Home > South Sound Bank > Performance and Condition Ratios
South Sound Bank, 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 | 4.5355% | 2,168 |
| Cost of funding earning assets | 0.3123% | 4,431 |
| Net interest margin | 4.2232% | 1,301 |
| Noninterest income to average assets | 0.3567% | 3,746 |
| Noninterest expense to average assets | 4.1209% | 448 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1602% | 5,222 |
| Return on assets (ROA) | 0.1531% | 5,221 |
| Pretax return on assets | 0.1769% | 5,213 |
| Return on Equity (ROE) | 1.1380% | 5,217 |
| Retained earnings to average equity (ytd only) | 1.1380% | 4,816 |
| Net charge-offs to loans | -0.0869% | 5,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7025% | 207 |
| Assets per employee ($millions) | 5.7527% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 972 |
| Loan loss allowance to noncurrent loans | 1,301.9231% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 4,467 |
| Noncurrent loans to loans | 0.1264% | 4,317 |
| Net loans and leases to total assets | 68.0452% | 2,930 |
| Net loans and leases to deposits | 80.1356% | 3,028 |
| Net loans and leases to core deposits | 82.2547% | 3,307 |
| Total domestic deposits to total assets | 84.9125% | 2,637 |
| Equity capital to assets | 13.3251% | 1,203 |
| Core capital (leverage) ratio | 13.6019% | 1,060 |
| Tier 1 risk-based capital ratio | 17.2113% | 2,014 |
| Total risk-based capital ratio | 18.4635% | 1,967 |
| Memoranda: | ||
| Average total assets | $179,405,500 | 3,077 |
| Average earning assets | $167,768,750 | 3,074 |
| Average equity | $24,135,250 | 2,728 |
| Average total loans | $122,742,750 | 2,992 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4207% | 2,350 |
| Cost of funding earning assets | 0.3030% | 4,393 |
| Net interest margin | 4.1177% | 1,498 |
| Noninterest income to average assets | 0.4150% | 3,387 |
| Noninterest expense to average assets | 2.8426% | 2,522 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1413% | 2,429 |
| Return on assets (ROA) | 1.1315% | 2,477 |
| Pretax return on assets | 1.4152% | 2,097 |
| Return on Equity (ROE) | 8.3844% | 3,323 |
| Retained earnings to average equity (ytd only) | 8.3844% | 1,457 |
| Net charge-offs to loans | -0.0865% | 5,116 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5711% | 2,882 |
| Assets per employee ($millions) | 5.3489% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6087% | 1,085 |
| Loan loss allowance to noncurrent loans | 1,518.1818% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 4,648 |
| Noncurrent loans to loans | 0.1060% | 4,440 |
| Net loans and leases to total assets | 67.3954% | 2,963 |
| Net loans and leases to deposits | 78.9691% | 3,055 |
| Net loans and leases to core deposits | 81.1306% | 3,310 |
| Total domestic deposits to total assets | 85.3440% | 2,549 |
| Equity capital to assets | 13.5678% | 1,078 |
| Core capital (leverage) ratio | 13.8494% | 947 |
| Tier 1 risk-based capital ratio | 17.5849% | 1,921 |
| Total risk-based capital ratio | 18.8369% | 1,874 |
| Memoranda: | ||
| Average total assets | $179,763,000 | 3,096 |
| Average earning assets | $168,298,670 | 3,087 |
| Average equity | $24,259,330 | 2,730 |
| Average total loans | $122,531,000 | 3,009 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 2,390 |
| Cost of funding earning assets | 0.2910% | 4,411 |
| Net interest margin | 4.0474% | 1,571 |
| Noninterest income to average assets | 0.2954% | 4,186 |
| Noninterest expense to average assets | 2.8269% | 2,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9889% | 2,896 |
| Return on assets (ROA) | 0.9960% | 2,895 |
| Pretax return on assets | 1.2445% | 2,583 |
| Return on Equity (ROE) | 7.4008% | 3,634 |
| Retained earnings to average equity (ytd only) | 7.4008% | 2,106 |
| Net charge-offs to loans | -0.0823% | 5,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5868% | 2,556 |
| Assets per employee ($millions) | 5.4977% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6376% | 1,079 |
| Loan loss allowance to noncurrent loans | 1,606.5041% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 3,744 |
| Noncurrent loans to loans | 0.1019% | 4,513 |
| Net loans and leases to total assets | 63.4969% | 3,371 |
| Net loans and leases to deposits | 73.8690% | 3,424 |
| Net loans and leases to core deposits | 75.9328% | 3,673 |
| Total domestic deposits to total assets | 85.9588% | 2,563 |
| Equity capital to assets | 12.9343% | 1,281 |
| Core capital (leverage) ratio | 14.2136% | 828 |
| Tier 1 risk-based capital ratio | 17.6606% | 1,928 |
| Total risk-based capital ratio | 18.9127% | 1,882 |
| Memoranda: | ||
| Average total assets | $178,712,500 | 3,140 |
| Average earning assets | $166,329,500 | 3,135 |
| Average equity | $24,051,500 | 2,770 |
| Average total loans | $121,510,500 | 3,041 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 1,611 |
| Cost of funding earning assets | 0.2996% | 4,152 |
| Net interest margin | 4.2320% | 1,120 |
| Noninterest income to average assets | 0.2781% | 4,469 |
| Noninterest expense to average assets | 2.8147% | 2,724 |
| Loan and lease loss provision to assets | 0.0700% | 2,802 |
| Net operating income to assets | 0.8124% | 3,105 |
| Return on assets (ROA) | 0.8124% | 3,148 |
| Pretax return on assets | 1.3292% | 2,253 |
| Return on Equity (ROE) | 5.8893% | 3,807 |
| Retained earnings to average equity (ytd only) | 5.8893% | 1,602 |
| Net charge-offs to loans | 0.0942% | 2,138 |
| Credit loss provision to net charge-offs | 104.3860% | 2,460 |
| Earnings coverage of net charge-offs (x) | 20.8772% | 1,943 |
| Efficiency ratio | 66.7969% | 3,112 |
| Assets per employee ($millions) | 5.1668% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 1,155 |
| Loan loss allowance to noncurrent loans | 1,573.3871% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 3,635 |
| Noncurrent loans to loans | 0.1013% | 4,533 |
| Net loans and leases to total assets | 70.6171% | 2,430 |
| Net loans and leases to deposits | 83.2475% | 2,575 |
| Net loans and leases to core deposits | 85.8258% | 2,919 |
| Total domestic deposits to total assets | 84.8279% | 2,901 |
| Equity capital to assets | 14.0325% | 899 |
| Core capital (leverage) ratio | 13.7399% | 902 |
| Tier 1 risk-based capital ratio | 16.6001% | 2,229 |
| Total risk-based capital ratio | 17.8511% | 2,177 |
| Memoranda: | ||
| Average total assets | $170,104,200 | 3,245 |
| Average earning assets | $158,199,800 | 3,222 |
| Average equity | $23,466,200 | 2,811 |
| Average total loans | $121,078,200 | 3,045 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5277% | 1,567 |
| Cost of funding earning assets | 0.2951% | 4,178 |
| Net interest margin | 4.2326% | 1,075 |
| Noninterest income to average assets | 0.2800% | 4,513 |
| Noninterest expense to average assets | 2.7340% | 2,946 |
| Loan and lease loss provision to assets | 0.0933% | 2,218 |
| Net operating income to assets | 0.9388% | 2,837 |
| Return on assets (ROA) | 0.9388% | 2,899 |
| Pretax return on assets | 1.3897% | 2,146 |
| Return on Equity (ROE) | 6.8346% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.8346% | 1,779 |
| Net charge-offs to loans | 0.3931% | 542 |
| Credit loss provision to net charge-offs | 33.4270% | 3,057 |
| Earnings coverage of net charge-offs (x) | 5.3119% | 3,124 |
| Efficiency ratio | 64.8317% | 3,397 |
| Assets per employee ($millions) | 5.5348% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 1,682 |
| Loan loss allowance to noncurrent loans | 186.9803% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.7781% | 2,193 |
| Noncurrent loans to loans | 0.7784% | 2,424 |
| Net loans and leases to total assets | 67.4416% | 2,930 |
| Net loans and leases to deposits | 79.3612% | 3,032 |
| Net loans and leases to core deposits | 81.7861% | 3,309 |
| Total domestic deposits to total assets | 84.9806% | 2,719 |
| Equity capital to assets | 13.9033% | 1,021 |
| Core capital (leverage) ratio | 13.4413% | 1,047 |
| Tier 1 risk-based capital ratio | 17.1671% | 2,113 |
| Total risk-based capital ratio | 18.4170% | 2,065 |
| Memoranda: | ||
| Average total assets | $170,004,250 | 3,278 |
| Average earning assets | $158,135,000 | 3,254 |
| Average equity | $23,351,250 | 2,848 |
| Average total loans | $120,758,750 | 3,072 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 1,372 |
| Cost of funding earning assets | 0.2842% | 4,243 |
| Net interest margin | 4.2728% | 929 |
| Noninterest income to average assets | 0.3434% | 4,091 |
| Noninterest expense to average assets | 2.8228% | 2,673 |
| Loan and lease loss provision to assets | 0.1404% | 1,461 |
| Net operating income to assets | 0.9146% | 2,840 |
| Return on assets (ROA) | 0.9146% | 2,893 |
| Pretax return on assets | 1.3547% | 2,189 |
| Return on Equity (ROE) | 6.6858% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.6858% | 1,747 |
| Net charge-offs to loans | 0.4070% | 501 |
| Credit loss provision to net charge-offs | 47.9839% | 2,585 |
| Earnings coverage of net charge-offs (x) | 5.1089% | 2,857 |
| Efficiency ratio | 65.3731% | 3,451 |
| Assets per employee ($millions) | 5.4184% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 1,496 |
| Loan loss allowance to noncurrent loans | 217.3445% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 1.1269% | 1,540 |
| Noncurrent loans to loans | 0.7023% | 2,646 |
| Net loans and leases to total assets | 65.5569% | 3,175 |
| Net loans and leases to deposits | 76.4337% | 3,295 |
| Net loans and leases to core deposits | 78.7844% | 3,522 |
| Total domestic deposits to total assets | 85.7697% | 2,490 |
| Equity capital to assets | 13.1789% | 1,291 |
| Core capital (leverage) ratio | 13.3089% | 1,052 |
| Tier 1 risk-based capital ratio | 17.1989% | 2,102 |
| Total risk-based capital ratio | 18.4497% | 2,047 |
| Memoranda: | ||
| Average total assets | $169,479,670 | 3,286 |
| Average earning assets | $157,647,330 | 3,275 |
| Average equity | $23,183,330 | 2,861 |
| Average total loans | $121,870,330 | 3,065 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7212% | 899 |
| Cost of funding earning assets | 0.2771% | 4,279 |
| Net interest margin | 4.4441% | 582 |
| Noninterest income to average assets | 0.3738% | 3,852 |
| Noninterest expense to average assets | 2.7861% | 2,838 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1528% | 1,656 |
| Return on assets (ROA) | 1.1528% | 1,692 |
| Pretax return on assets | 1.7134% | 977 |
| Return on Equity (ROE) | 8.2636% | 2,782 |
| Retained earnings to average equity (ytd only) | 8.2636% | 1,351 |
| Net charge-offs to loans | -0.0422% | 5,106 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9202% | 4,157 |
| Assets per employee ($millions) | 4.8594% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5903% | 1,407 |
| Loan loss allowance to noncurrent loans | 664.0678% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.8988% | 2,064 |
| Noncurrent loans to loans | 0.2395% | 4,251 |
| Net loans and leases to total assets | 73.3722% | 1,841 |
| Net loans and leases to deposits | 86.6641% | 1,957 |
| Net loans and leases to core deposits | 89.5812% | 2,388 |
| Total domestic deposits to total assets | 84.6627% | 3,236 |
| Equity capital to assets | 14.0663% | 881 |
| Core capital (leverage) ratio | 13.6348% | 929 |
| Tier 1 risk-based capital ratio | 16.6750% | 2,291 |
| Total risk-based capital ratio | 17.9270% | 2,255 |
| Memoranda: | ||
| Average total assets | $164,815,500 | 3,373 |
| Average earning assets | $153,013,500 | 3,364 |
| Average equity | $22,992,500 | 2,890 |
| Average total loans | $123,286,500 | 3,069 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 2,248 |
| Cost of funding earning assets | 0.2582% | 4,487 |
| Net interest margin | 4.0115% | 1,603 |
| Noninterest income to average assets | 0.4064% | 3,826 |
| Noninterest expense to average assets | 2.9692% | 2,443 |
| Loan and lease loss provision to assets | 0.0303% | 3,748 |
| Net operating income to assets | 0.7682% | 3,461 |
| Return on assets (ROA) | 0.7892% | 3,460 |
| Pretax return on assets | 1.1642% | 2,835 |
| Return on Equity (ROE) | 5.5203% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.5203% | 2,002 |
| Net charge-offs to loans | 0.1485% | 1,777 |
| Credit loss provision to net charge-offs | 29.7619% | 3,593 |
| Earnings coverage of net charge-offs (x) | 11.4345% | 2,539 |
| Efficiency ratio | 71.8452% | 2,611 |
| Assets per employee ($millions) | 4.6975% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 1,429 |
| Loan loss allowance to noncurrent loans | 1,360.8392% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.8175% | 2,303 |
| Noncurrent loans to loans | 0.1159% | 4,771 |
| Net loans and leases to total assets | 73.8652% | 1,870 |
| Net loans and leases to deposits | 86.8717% | 2,068 |
| Net loans and leases to core deposits | 89.1915% | 2,577 |
| Total domestic deposits to total assets | 85.0279% | 3,031 |
| Equity capital to assets | 13.8341% | 947 |
| Core capital (leverage) ratio | 13.3336% | 1,023 |
| Tier 1 risk-based capital ratio | 16.3758% | 2,395 |
| Total risk-based capital ratio | 17.6280% | 2,333 |
| Memoranda: | ||
| Average total assets | $165,097,000 | 3,347 |
| Average earning assets | $153,359,200 | 3,332 |
| Average equity | $23,603,600 | 2,835 |
| Average total loans | $113,106,000 | 3,175 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2173% | 2,452 |
| Cost of funding earning assets | 0.2537% | 4,568 |
| Net interest margin | 3.9635% | 1,771 |
| Noninterest income to average assets | 0.4163% | 3,808 |
| Noninterest expense to average assets | 2.9672% | 2,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7651% | 3,533 |
| Return on assets (ROA) | 0.7930% | 3,542 |
| Pretax return on assets | 1.1698% | 2,967 |
| Return on Equity (ROE) | 5.5026% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.5026% | 2,479 |
| Net charge-offs to loans | 0.1532% | 1,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 11.0157% | 2,535 |
| Efficiency ratio | 72.4444% | 2,508 |
| Assets per employee ($millions) | 4.7822% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6969% | 1,228 |
| Loan loss allowance to noncurrent loans | 3,587.0370% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.7719% | 2,617 |
| Noncurrent loans to loans | 0.0473% | 5,169 |
| Net loans and leases to total assets | 69.0109% | 2,642 |
| Net loans and leases to deposits | 81.3232% | 2,817 |
| Net loans and leases to core deposits | 83.3945% | 3,182 |
| Total domestic deposits to total assets | 84.8600% | 2,869 |
| Equity capital to assets | 13.9671% | 1,047 |
| Core capital (leverage) ratio | 13.2834% | 1,076 |
| Tier 1 risk-based capital ratio | 16.8485% | 2,278 |
| Total risk-based capital ratio | 18.1016% | 2,234 |
| Memoranda: | ||
| Average total assets | $165,268,000 | 3,356 |
| Average earning assets | $153,428,750 | 3,344 |
| Average equity | $23,818,250 | 2,832 |
| Average total loans | $110,535,000 | 3,220 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2017% | 2,507 |
| Cost of funding earning assets | 0.2466% | 4,691 |
| Net interest margin | 3.9551% | 1,792 |
| Noninterest income to average assets | 0.4827% | 3,314 |
| Noninterest expense to average assets | 2.9959% | 2,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7804% | 3,402 |
| Return on assets (ROA) | 0.8221% | 3,344 |
| Pretax return on assets | 1.2157% | 2,722 |
| Return on Equity (ROE) | 5.6475% | 4,224 |
| Retained earnings to average equity (ytd only) | 5.6475% | 2,337 |
| Net charge-offs to loans | 0.2451% | 965 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 7.1567% | 2,660 |
| Efficiency ratio | 72.1868% | 2,618 |
| Assets per employee ($millions) | 4.7236% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 1,206 |
| Loan loss allowance to noncurrent loans | 3,446.4286% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.7715% | 2,672 |
| Noncurrent loans to loans | 0.0502% | 5,262 |
| Net loans and leases to total assets | 64.4014% | 3,308 |
| Net loans and leases to deposits | 76.1450% | 3,367 |
| Net loans and leases to core deposits | 77.8611% | 3,653 |
| Total domestic deposits to total assets | 84.5774% | 3,062 |
| Equity capital to assets | 14.3394% | 923 |
| Core capital (leverage) ratio | 13.8043% | 874 |
| Tier 1 risk-based capital ratio | 18.4073% | 1,820 |
| Total risk-based capital ratio | 19.6608% | 1,783 |
| Memoranda: | ||
| Average total assets | $166,158,670 | 3,364 |
| Average earning assets | $154,079,000 | 3,349 |
| Average equity | $24,187,670 | 2,815 |
| Average total loans | $109,331,330 | 3,242 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2492% | 2,306 |
| Cost of funding earning assets | 0.2422% | 4,784 |
| Net interest margin | 4.0070% | 1,591 |
| Noninterest income to average assets | 0.6187% | 2,422 |
| Noninterest expense to average assets | 3.0278% | 2,305 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8741% | 2,880 |
| Return on assets (ROA) | 0.9573% | 2,595 |
| Pretax return on assets | 1.4225% | 1,832 |
| Return on Equity (ROE) | 6.5257% | 3,714 |
| Retained earnings to average equity (ytd only) | 6.5257% | 2,124 |
| Net charge-offs to loans | 0.4544% | 499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.3333% | 2,447 |
| Efficiency ratio | 69.9887% | 3,132 |
| Assets per employee ($millions) | 4.6197% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7432% | 1,260 |
| Loan loss allowance to noncurrent loans | 2,283.5294% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.8063% | 2,677 |
| Noncurrent loans to loans | 0.0763% | 5,169 |
| Net loans and leases to total assets | 65.7870% | 2,981 |
| Net loans and leases to deposits | 78.3687% | 2,964 |
| Net loans and leases to core deposits | 80.8162% | 3,251 |
| Total domestic deposits to total assets | 83.9455% | 3,541 |
| Equity capital to assets | 14.6211% | 802 |
| Core capital (leverage) ratio | 14.2216% | 755 |
| Tier 1 risk-based capital ratio | 18.1325% | 1,949 |
| Total risk-based capital ratio | 19.3858% | 1,913 |
| Memoranda: | ||
| Average total assets | $164,213,500 | 3,400 |
| Average earning assets | $151,933,500 | 3,397 |
| Average equity | $24,089,500 | 2,823 |
| Average total loans | $108,275,000 | 3,270 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0950% | 2,938 |
| Cost of funding earning assets | 0.2485% | 4,800 |
| Net interest margin | 3.8465% | 2,213 |
| Noninterest income to average assets | 0.4045% | 4,002 |
| Noninterest expense to average assets | 3.0077% | 2,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6485% | 4,043 |
| Return on assets (ROA) | 0.6485% | 4,143 |
| Pretax return on assets | 0.9542% | 3,635 |
| Return on Equity (ROE) | 4.6526% | 4,681 |
| Retained earnings to average equity (ytd only) | 4.6526% | 2,678 |
| Net charge-offs to loans | 0.1631% | 1,733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 9.4360% | 2,819 |
| Efficiency ratio | 75.9163% | 2,286 |
| Assets per employee ($millions) | 4.2663% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9620% | 858 |
| Loan loss allowance to noncurrent loans | 1,612.5000% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.8537% | 2,535 |
| Noncurrent loans to loans | 0.1217% | 5,007 |
| Net loans and leases to total assets | 63.6175% | 3,333 |
| Net loans and leases to deposits | 75.8386% | 3,272 |
| Net loans and leases to core deposits | 78.0258% | 3,545 |
| Total domestic deposits to total assets | 83.8853% | 3,530 |
| Equity capital to assets | 14.7194% | 723 |
| Core capital (leverage) ratio | 14.2035% | 773 |
| Tier 1 risk-based capital ratio | 18.6010% | 1,805 |
| Total risk-based capital ratio | 19.8563% | 1,754 |
| Memoranda: | ||
| Average total assets | $170,094,200 | 3,302 |
| Average earning assets | $157,313,400 | 3,293 |
| Average equity | $23,707,200 | 2,810 |
| Average total loans | $105,435,400 | 3,294 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0161% | 3,281 |
| Cost of funding earning assets | 0.2522% | 4,858 |
| Net interest margin | 3.7639% | 2,514 |
| Noninterest income to average assets | 0.3060% | 4,751 |
| Noninterest expense to average assets | 2.9418% | 2,700 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5757% | 4,500 |
| Return on assets (ROA) | 0.5757% | 4,589 |
| Pretax return on assets | 0.8445% | 4,193 |
| Return on Equity (ROE) | 4.1855% | 4,959 |
| Retained earnings to average equity (ytd only) | 4.1855% | 3,486 |
| Net charge-offs to loans | 0.2439% | 1,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.6476% | 3,173 |
| Efficiency ratio | 77.6959% | 1,994 |
| Assets per employee ($millions) | 4.4460% | 3,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8868% | 1,096 |
| Loan loss allowance to noncurrent loans | 1,571.5385% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.8875% | 2,653 |
| Noncurrent loans to loans | 0.1201% | 5,148 |
| Net loans and leases to total assets | 64.5802% | 3,217 |
| Net loans and leases to deposits | 76.5487% | 3,236 |
| Net loans and leases to core deposits | 78.7013% | 3,544 |
| Total domestic deposits to total assets | 84.3648% | 3,282 |
| Equity capital to assets | 14.3470% | 901 |
| Core capital (leverage) ratio | 13.7801% | 916 |
| Tier 1 risk-based capital ratio | 18.0082% | 2,024 |
| Total risk-based capital ratio | 19.2633% | 1,993 |
| Memoranda: | ||
| Average total assets | $172,088,000 | 3,298 |
| Average earning assets | $159,122,250 | 3,295 |
| Average equity | $23,668,250 | 2,835 |
| Average total loans | $105,494,250 | 3,314 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9455% | 3,509 |
| Cost of funding earning assets | 0.2580% | 4,860 |
| Net interest margin | 3.6875% | 2,766 |
| Noninterest income to average assets | 0.3138% | 4,710 |
| Noninterest expense to average assets | 2.9012% | 2,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5578% | 4,529 |
| Return on assets (ROA) | 0.5578% | 4,637 |
| Pretax return on assets | 0.8178% | 4,263 |
| Return on Equity (ROE) | 4.1113% | 4,975 |
| Retained earnings to average equity (ytd only) | 4.1113% | 3,409 |
| Net charge-offs to loans | 0.4323% | 595 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.1593% | 3,234 |
| Efficiency ratio | 78.0105% | 2,071 |
| Assets per employee ($millions) | 4.6060% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8808% | 1,209 |
| Loan loss allowance to noncurrent loans | 1,477.9412% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.8602% | 2,833 |
| Noncurrent loans to loans | 0.1273% | 5,243 |
| Net loans and leases to total assets | 61.5304% | 3,621 |
| Net loans and leases to deposits | 72.2509% | 3,696 |
| Net loans and leases to core deposits | 74.6657% | 3,888 |
| Total domestic deposits to total assets | 85.1622% | 3,056 |
| Equity capital to assets | 13.6818% | 1,096 |
| Core capital (leverage) ratio | 13.2013% | 1,091 |
| Tier 1 risk-based capital ratio | 18.2762% | 1,990 |
| Total risk-based capital ratio | 19.5307% | 1,951 |
| Memoranda: | ||
| Average total assets | $174,617,000 | 3,289 |
| Average earning assets | $161,248,000 | 3,289 |
| Average equity | $23,690,670 | 2,839 |
| Average total loans | $104,566,330 | 3,350 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7492% | 4,199 |
| Cost of funding earning assets | 0.2760% | 4,713 |
| Net interest margin | 3.4732% | 3,539 |
| Noninterest income to average assets | 0.4527% | 3,618 |
| Noninterest expense to average assets | 2.8430% | 3,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5636% | 4,436 |
| Return on assets (ROA) | 0.5636% | 4,535 |
| Pretax return on assets | 0.8285% | 4,136 |
| Return on Equity (ROE) | 4.1713% | 4,901 |
| Retained earnings to average equity (ytd only) | 4.1713% | 3,503 |
| Net charge-offs to loans | 0.9128% | 263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.5508% | 2,903 |
| Efficiency ratio | 77.4353% | 2,275 |
| Assets per employee ($millions) | 4.5082% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8942% | 1,299 |
| Loan loss allowance to noncurrent loans | 331.1258% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 1.1482% | 2,340 |
| Noncurrent loans to loans | 0.5721% | 3,870 |
| Net loans and leases to total assets | 60.4645% | 3,586 |
| Net loans and leases to deposits | 71.3996% | 3,603 |
| Net loans and leases to core deposits | 73.9124% | 3,782 |
| Total domestic deposits to total assets | 84.6847% | 3,545 |
| Equity capital to assets | 14.0930% | 956 |
| Core capital (leverage) ratio | 13.0515% | 1,139 |
| Tier 1 risk-based capital ratio | 18.8706% | 1,907 |
| Total risk-based capital ratio | 20.1250% | 1,865 |
| Memoranda: | ||
| Average total assets | $176,714,000 | 3,281 |
| Average earning assets | $163,768,500 | 3,270 |
| Average equity | $23,877,500 | 2,841 |
| Average total loans | $103,413,500 | 3,390 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0133% | 3,682 |
| Cost of funding earning assets | 0.2949% | 4,842 |
| Net interest margin | 3.7183% | 2,940 |
| Noninterest income to average assets | 0.4706% | 3,709 |
| Noninterest expense to average assets | 3.4357% | 1,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3097% | 5,491 |
| Return on assets (ROA) | 0.3279% | 5,515 |
| Pretax return on assets | 0.4659% | 5,339 |
| Return on Equity (ROE) | 2.4094% | 5,661 |
| Retained earnings to average equity (ytd only) | 2.4094% | 4,520 |
| Net charge-offs to loans | 0.2798% | 1,550 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.7127% | 4,079 |
| Efficiency ratio | 86.0925% | 1,161 |
| Assets per employee ($millions) | 4.7925% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2085% | 813 |
| Loan loss allowance to noncurrent loans | 241.2082% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 1.2574% | 2,240 |
| Noncurrent loans to loans | 0.9156% | 3,027 |
| Net loans and leases to total assets | 54.3653% | 4,537 |
| Net loans and leases to deposits | 63.2643% | 4,604 |
| Net loans and leases to core deposits | 65.1982% | 4,731 |
| Total domestic deposits to total assets | 85.9337% | 2,879 |
| Equity capital to assets | 12.9654% | 1,392 |
| Core capital (leverage) ratio | 13.5749% | 951 |
| Tier 1 risk-based capital ratio | 19.4470% | 1,735 |
| Total risk-based capital ratio | 20.7044% | 1,702 |
| Memoranda: | ||
| Average total assets | $169,570,200 | 3,350 |
| Average earning assets | $155,285,600 | 3,355 |
| Average equity | $23,076,600 | 2,841 |
| Average total loans | $98,267,200 | 3,459 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0813% | 3,451 |
| Cost of funding earning assets | 0.3058% | 4,831 |
| Net interest margin | 3.7755% | 2,712 |
| Noninterest income to average assets | 0.4823% | 3,666 |
| Noninterest expense to average assets | 3.4736% | 1,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3174% | 5,533 |
| Return on assets (ROA) | 0.3421% | 5,527 |
| Pretax return on assets | 0.4863% | 5,360 |
| Return on Equity (ROE) | 2.4815% | 5,712 |
| Retained earnings to average equity (ytd only) | 2.4815% | 4,808 |
| Net charge-offs to loans | 0.3322% | 1,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.3169% | 3,947 |
| Efficiency ratio | 86.4870% | 1,138 |
| Assets per employee ($millions) | 4.6279% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3127% | 814 |
| Loan loss allowance to noncurrent loans | 278.9668% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 1.2286% | 2,503 |
| Noncurrent loans to loans | 0.8290% | 3,502 |
| Net loans and leases to total assets | 57.4997% | 4,135 |
| Net loans and leases to deposits | 67.7535% | 4,157 |
| Net loans and leases to core deposits | 69.7712% | 4,343 |
| Total domestic deposits to total assets | 84.8661% | 3,394 |
| Equity capital to assets | 13.9869% | 1,013 |
| Core capital (leverage) ratio | 13.5441% | 981 |
| Tier 1 risk-based capital ratio | 19.2025% | 1,858 |
| Total risk-based capital ratio | 20.4605% | 1,824 |
| Memoranda: | ||
| Average total assets | $166,433,750 | 3,416 |
| Average earning assets | $151,746,500 | 3,436 |
| Average equity | $22,942,750 | 2,861 |
| Average total loans | $97,523,000 | 3,499 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0962% | 3,362 |
| Cost of funding earning assets | 0.3124% | 4,851 |
| Net interest margin | 3.7837% | 2,622 |
| Noninterest income to average assets | 0.5578% | 3,063 |
| Noninterest expense to average assets | 3.5185% | 1,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3332% | 5,455 |
| Return on assets (ROA) | 0.3702% | 5,394 |
| Pretax return on assets | 0.5277% | 5,200 |
| Return on Equity (ROE) | 2.6991% | 5,627 |
| Retained earnings to average equity (ytd only) | 2.6991% | 4,486 |
| Net charge-offs to loans | 0.1377% | 2,291 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.8955% | 2,852 |
| Efficiency ratio | 85.5208% | 1,319 |
| Assets per employee ($millions) | 4.7911% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4454% | 770 |
| Loan loss allowance to noncurrent loans | 486.8526% | 951 |
| Noncurrent assets plus other real estate owned to assets | 1.0952% | 2,879 |
| Noncurrent loans to loans | 0.5023% | 4,487 |
| Net loans and leases to total assets | 56.5283% | 4,196 |
| Net loans and leases to deposits | 66.1174% | 4,259 |
| Net loans and leases to core deposits | 67.9812% | 4,472 |
| Total domestic deposits to total assets | 85.4969% | 3,287 |
| Equity capital to assets | 13.4932% | 1,158 |
| Core capital (leverage) ratio | 13.7557% | 898 |
| Tier 1 risk-based capital ratio | 19.1623% | 1,887 |
| Total risk-based capital ratio | 20.4218% | 1,844 |
| Memoranda: | ||
| Average total assets | $166,376,330 | 3,430 |
| Average earning assets | $151,067,330 | 3,466 |
| Average equity | $22,822,670 | 2,869 |
| Average total loans | $97,342,000 | 3,503 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1633% | 3,019 |
| Cost of funding earning assets | 0.3257% | 4,786 |
| Net interest margin | 3.8376% | 2,313 |
| Noninterest income to average assets | 0.5731% | 2,897 |
| Noninterest expense to average assets | 3.5047% | 1,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3703% | 5,231 |
| Return on assets (ROA) | 0.4457% | 5,016 |
| Pretax return on assets | 0.6392% | 4,696 |
| Return on Equity (ROE) | 3.2216% | 5,380 |
| Retained earnings to average equity (ytd only) | 3.2216% | 4,187 |
| Net charge-offs to loans | 0.1000% | 2,170 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 9.0417% | 1,970 |
| Efficiency ratio | 84.7087% | 1,591 |
| Assets per employee ($millions) | 4.4631% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5883% | 723 |
| Loan loss allowance to noncurrent loans | 370.6408% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 1.2020% | 2,853 |
| Noncurrent loans to loans | 0.6983% | 4,119 |
| Net loans and leases to total assets | 56.6812% | 4,051 |
| Net loans and leases to deposits | 66.5650% | 4,017 |
| Net loans and leases to core deposits | 68.6184% | 4,245 |
| Total domestic deposits to total assets | 85.1516% | 3,799 |
| Equity capital to assets | 13.8274% | 977 |
| Core capital (leverage) ratio | 13.8228% | 882 |
| Tier 1 risk-based capital ratio | 19.6283% | 1,807 |
| Total risk-based capital ratio | 20.8889% | 1,776 |
| Memoranda: | ||
| Average total assets | $163,324,500 | 3,510 |
| Average earning assets | $147,382,000 | 3,558 |
| Average equity | $22,597,500 | 2,881 |
| Average total loans | $96,041,000 | 3,554 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 4,205 |
| Cost of funding earning assets | 0.3851% | 4,801 |
| Net interest margin | 3.5831% | 3,537 |
| Noninterest income to average assets | 0.6175% | 2,989 |
| Noninterest expense to average assets | 3.3934% | 1,897 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3430% | 5,366 |
| Return on assets (ROA) | 0.5278% | 4,730 |
| Pretax return on assets | 0.7413% | 4,372 |
| Return on Equity (ROE) | 3.8885% | 5,164 |
| Retained earnings to average equity (ytd only) | 3.8885% | 3,434 |
| Net charge-offs to loans | 0.8948% | 682 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.9863% | 4,752 |
| Efficiency ratio | 83.4351% | 1,695 |
| Assets per employee ($millions) | 4.3652% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6158% | 720 |
| Loan loss allowance to noncurrent loans | 194.6512% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 1.6123% | 2,299 |
| Noncurrent loans to loans | 1.3438% | 2,892 |
| Net loans and leases to total assets | 57.8796% | 4,054 |
| Net loans and leases to deposits | 67.9244% | 4,065 |
| Net loans and leases to core deposits | 70.7122% | 4,223 |
| Total domestic deposits to total assets | 85.2117% | 3,633 |
| Equity capital to assets | 13.8447% | 951 |
| Core capital (leverage) ratio | 13.6522% | 913 |
| Tier 1 risk-based capital ratio | 19.3931% | 1,823 |
| Total risk-based capital ratio | 20.6542% | 1,777 |
| Memoranda: | ||
| Average total assets | $164,848,600 | 3,493 |
| Average earning assets | $149,842,800 | 3,505 |
| Average equity | $22,373,400 | 2,886 |
| Average total loans | $89,855,600 | 3,697 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8660% | 4,617 |
| Cost of funding earning assets | 0.3982% | 4,832 |
| Net interest margin | 3.4678% | 4,023 |
| Noninterest income to average assets | 0.5875% | 3,234 |
| Noninterest expense to average assets | 3.3823% | 1,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2614% | 5,749 |
| Return on assets (ROA) | 0.5094% | 4,918 |
| Pretax return on assets | 0.7106% | 4,659 |
| Return on Equity (ROE) | 3.7717% | 5,317 |
| Retained earnings to average equity (ytd only) | 3.7717% | 3,999 |
| Net charge-offs to loans | 1.2847% | 413 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.5347% | 4,685 |
| Efficiency ratio | 84.9506% | 1,481 |
| Assets per employee ($millions) | 4.9316% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7002% | 744 |
| Loan loss allowance to noncurrent loans | 133.8403% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 1.8816% | 2,156 |
| Noncurrent loans to loans | 2.0175% | 2,229 |
| Net loans and leases to total assets | 52.9533% | 4,756 |
| Net loans and leases to deposits | 61.7895% | 4,789 |
| Net loans and leases to core deposits | 64.4463% | 4,855 |
| Total domestic deposits to total assets | 85.6996% | 3,405 |
| Equity capital to assets | 13.4374% | 1,143 |
| Core capital (leverage) ratio | 13.3408% | 1,081 |
| Tier 1 risk-based capital ratio | 20.3950% | 1,629 |
| Total risk-based capital ratio | 21.6571% | 1,597 |
| Memoranda: | ||
| Average total assets | $165,682,500 | 3,511 |
| Average earning assets | $151,022,250 | 3,515 |
| Average equity | $22,376,500 | 2,917 |
| Average total loans | $88,321,000 | 3,752 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 4,381 |
| Cost of funding earning assets | 0.4209% | 4,747 |
| Net interest margin | 3.5041% | 3,765 |
| Noninterest income to average assets | 0.6775% | 2,752 |
| Noninterest expense to average assets | 3.3451% | 1,953 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3677% | 5,340 |
| Return on assets (ROA) | 0.7308% | 3,830 |
| Pretax return on assets | 1.0399% | 3,333 |
| Return on Equity (ROE) | 5.4020% | 4,514 |
| Retained earnings to average equity (ytd only) | 5.4020% | 2,809 |
| Net charge-offs to loans | 1.0373% | 582 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.9492% | 4,213 |
| Efficiency ratio | 83.5423% | 1,691 |
| Assets per employee ($millions) | 5.0020% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3443% | 419 |
| Loan loss allowance to noncurrent loans | 143.8191% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 2.3185% | 1,863 |
| Noncurrent loans to loans | 2.3253% | 2,027 |
| Net loans and leases to total assets | 48.6379% | 5,268 |
| Net loans and leases to deposits | 56.5505% | 5,285 |
| Net loans and leases to core deposits | 58.2399% | 5,399 |
| Total domestic deposits to total assets | 86.0079% | 3,362 |
| Equity capital to assets | 13.1901% | 1,266 |
| Core capital (leverage) ratio | 13.4564% | 993 |
| Tier 1 risk-based capital ratio | 21.0442% | 1,477 |
| Total risk-based capital ratio | 22.3122% | 1,450 |
| Memoranda: | ||
| Average total assets | $165,018,670 | 3,540 |
| Average earning assets | $150,166,330 | 3,548 |
| Average equity | $22,325,000 | 2,951 |
| Average total loans | $87,343,670 | 3,783 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8471% | 4,659 |
| Cost of funding earning assets | 0.4643% | 4,437 |
| Net interest margin | 3.3828% | 4,187 |
| Noninterest income to average assets | 0.7582% | 2,302 |
| Noninterest expense to average assets | 3.3453% | 1,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3717% | 5,254 |
| Return on assets (ROA) | 0.3717% | 5,386 |
| Pretax return on assets | 0.4800% | 5,320 |
| Return on Equity (ROE) | 2.7120% | 5,703 |
| Retained earnings to average equity (ytd only) | 2.7120% | 4,660 |
| Net charge-offs to loans | 2.2805% | 193 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.3877% | 3,684 |
| Efficiency ratio | 86.6152% | 1,449 |
| Assets per employee ($millions) | 4.9545% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1583% | 566 |
| Loan loss allowance to noncurrent loans | 90.3019% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 3.5768% | 1,178 |
| Noncurrent loans to loans | 3.4975% | 1,371 |
| Net loans and leases to total assets | 52.7374% | 4,590 |
| Net loans and leases to deposits | 61.6361% | 4,603 |
| Net loans and leases to core deposits | 63.2906% | 4,817 |
| Total domestic deposits to total assets | 85.5624% | 3,764 |
| Equity capital to assets | 13.6632% | 1,155 |
| Core capital (leverage) ratio | 13.5705% | 919 |
| Tier 1 risk-based capital ratio | 20.2243% | 1,716 |
| Total risk-based capital ratio | 21.4908% | 1,687 |
| Memoranda: | ||
| Average total assets | $162,494,500 | 3,608 |
| Average earning assets | $147,332,500 | 3,635 |
| Average equity | $22,271,500 | 2,998 |
| Average total loans | $88,226,000 | 3,781 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2852% | 4,253 |
| Cost of funding earning assets | 0.6226% | 4,157 |
| Net interest margin | 3.6625% | 3,816 |
| Noninterest income to average assets | 1.0192% | 1,484 |
| Noninterest expense to average assets | 3.5341% | 1,750 |
| Loan and lease loss provision to assets | 1.9449% | 117 |
| Net operating income to assets | -0.7254% | 6,660 |
| Return on assets (ROA) | -0.7254% | 6,681 |
| Pretax return on assets | -1.1855% | 6,777 |
| Return on Equity (ROE) | -5.4356% | 6,611 |
| Retained earnings to average equity (ytd only) | -5.4356% | 6,456 |
| Net charge-offs to loans | 4.7108% | 41 |
| Credit loss provision to net charge-offs | 70.8850% | 4,133 |
| Earnings coverage of net charge-offs (x) | 0.2768% | 5,345 |
| Efficiency ratio | 82.0727% | 1,857 |
| Assets per employee ($millions) | 4.8937% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7922% | 332 |
| Loan loss allowance to noncurrent loans | 102.0628% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 4.8851% | 808 |
| Noncurrent loans to loans | 3.7156% | 1,305 |
| Net loans and leases to total assets | 52.0775% | 4,915 |
| Net loans and leases to deposits | 62.7067% | 4,695 |
| Net loans and leases to core deposits | 64.6662% | 4,882 |
| Total domestic deposits to total assets | 83.0493% | 4,704 |
| Equity capital to assets | 13.7493% | 1,132 |
| Core capital (leverage) ratio | 13.3002% | 1,015 |
| Tier 1 risk-based capital ratio | 19.8557% | 1,715 |
| Total risk-based capital ratio | 21.1279% | 1,680 |
| Memoranda: | ||
| Average total assets | $164,736,000 | 3,540 |
| Average earning assets | $147,274,600 | 3,601 |
| Average equity | $21,984,800 | 2,973 |
| Average total loans | $95,950,600 | 3,619 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 4,272 |
| Cost of funding earning assets | 0.6491% | 4,205 |
| Net interest margin | 3.6969% | 3,807 |
| Noninterest income to average assets | 1.3184% | 847 |
| Noninterest expense to average assets | 3.4672% | 1,836 |
| Loan and lease loss provision to assets | 2.5805% | 59 |
| Net operating income to assets | -0.8851% | 6,828 |
| Return on assets (ROA) | -0.8851% | 6,855 |
| Pretax return on assets | -1.4264% | 6,945 |
| Return on Equity (ROE) | -6.6817% | 6,779 |
| Retained earnings to average equity (ytd only) | -6.6817% | 6,707 |
| Net charge-offs to loans | 5.9485% | 25 |
| Credit loss provision to net charge-offs | 73.2176% | 3,816 |
| Earnings coverage of net charge-offs (x) | 0.3275% | 5,159 |
| Efficiency ratio | 75.0261% | 2,821 |
| Assets per employee ($millions) | 4.9512% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8268% | 352 |
| Loan loss allowance to noncurrent loans | 71.2902% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 6.1822% | 639 |
| Noncurrent loans to loans | 5.3680% | 809 |
| Net loans and leases to total assets | 53.2040% | 4,876 |
| Net loans and leases to deposits | 63.8072% | 4,737 |
| Net loans and leases to core deposits | 65.9863% | 4,954 |
| Total domestic deposits to total assets | 83.3825% | 4,489 |
| Equity capital to assets | 13.4618% | 1,364 |
| Core capital (leverage) ratio | 13.0632% | 1,170 |
| Tier 1 risk-based capital ratio | 19.2048% | 1,947 |
| Total risk-based capital ratio | 20.4781% | 1,915 |
| Memoranda: | ||
| Average total assets | $165,547,000 | 3,559 |
| Average earning assets | $147,902,250 | 3,630 |
| Average equity | $21,930,000 | 3,006 |
| Average total loans | $98,084,250 | 3,609 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3530% | 4,368 |
| Cost of funding earning assets | 0.6720% | 4,257 |
| Net interest margin | 3.6811% | 3,919 |
| Noninterest income to average assets | 0.8937% | 1,807 |
| Noninterest expense to average assets | 3.5714% | 1,639 |
| Loan and lease loss provision to assets | 3.7217% | 33 |
| Net operating income to assets | -2.4322% | 7,118 |
| Return on assets (ROA) | -2.4322% | 7,122 |
| Pretax return on assets | -3.0914% | 7,153 |
| Return on Equity (ROE) | -18.4587% | 7,023 |
| Retained earnings to average equity (ytd only) | -18.4587% | 6,996 |
| Net charge-offs to loans | 8.5981% | 13 |
| Credit loss provision to net charge-offs | 71.5045% | 3,520 |
| Earnings coverage of net charge-offs (x) | 0.1211% | 5,017 |
| Efficiency ratio | 84.9986% | 1,536 |
| Assets per employee ($millions) | 5.1016% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6396% | 449 |
| Loan loss allowance to noncurrent loans | 68.8830% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 5.6435% | 776 |
| Noncurrent loans to loans | 5.2838% | 905 |
| Net loans and leases to total assets | 53.4371% | 4,888 |
| Net loans and leases to deposits | 63.2598% | 4,851 |
| Net loans and leases to core deposits | 65.5020% | 5,052 |
| Total domestic deposits to total assets | 84.4725% | 4,111 |
| Equity capital to assets | 12.4750% | 1,834 |
| Core capital (leverage) ratio | 12.3516% | 1,416 |
| Tier 1 risk-based capital ratio | 17.5819% | 2,448 |
| Total risk-based capital ratio | 18.8528% | 2,410 |
| Memoranda: | ||
| Average total assets | $166,266,670 | 3,564 |
| Average earning assets | $149,413,000 | 3,615 |
| Average equity | $21,908,330 | 2,992 |
| Average total loans | $100,649,670 | 3,551 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4948% | 3,931 |
| Cost of funding earning assets | 0.6894% | 4,370 |
| Net interest margin | 3.8054% | 3,371 |
| Noninterest income to average assets | 1.2153% | 970 |
| Noninterest expense to average assets | 3.3022% | 2,280 |
| Loan and lease loss provision to assets | 5.0695% | 20 |
| Net operating income to assets | -2.4113% | 7,184 |
| Return on assets (ROA) | -2.4113% | 7,187 |
| Pretax return on assets | -3.7355% | 7,240 |
| Return on Equity (ROE) | -17.8163% | 7,090 |
| Retained earnings to average equity (ytd only) | -17.8163% | 7,016 |
| Net charge-offs to loans | 5.8297% | 69 |
| Credit loss provision to net charge-offs | 137.7632% | 1,786 |
| Earnings coverage of net charge-offs (x) | 0.3625% | 4,181 |
| Efficiency ratio | 71.2272% | 3,583 |
| Assets per employee ($millions) | 5.3430% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0837% | 166 |
| Loan loss allowance to noncurrent loans | 73.1656% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 6.4166% | 707 |
| Noncurrent loans to loans | 6.9482% | 648 |
| Net loans and leases to total assets | 58.6725% | 3,927 |
| Net loans and leases to deposits | 70.0833% | 3,724 |
| Net loans and leases to core deposits | 72.3224% | 4,097 |
| Total domestic deposits to total assets | 83.7182% | 4,627 |
| Equity capital to assets | 13.2196% | 1,349 |
| Core capital (leverage) ratio | 12.9546% | 1,144 |
| Tier 1 risk-based capital ratio | 17.4227% | 2,507 |
| Total risk-based capital ratio | 18.7098% | 2,460 |
| Memoranda: | ||
| Average total assets | $165,223,500 | 3,596 |
| Average earning assets | $148,526,500 | 3,647 |
| Average equity | $22,361,500 | 2,933 |
| Average total loans | $104,294,000 | 3,499 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9835% | 2,953 |
| Cost of funding earning assets | 0.7919% | 4,922 |
| Net interest margin | 4.1916% | 2,091 |
| Noninterest income to average assets | 2.9842% | 213 |
| Noninterest expense to average assets | 3.1423% | 3,055 |
| Loan and lease loss provision to assets | 4.6397% | 30 |
| Net operating income to assets | -0.5924% | 6,547 |
| Return on assets (ROA) | -0.5924% | 6,591 |
| Pretax return on assets | -0.9802% | 6,723 |
| Return on Equity (ROE) | -4.1602% | 6,482 |
| Retained earnings to average equity (ytd only) | -4.1602% | 6,383 |
| Net charge-offs to loans | 4.8948% | 86 |
| Credit loss provision to net charge-offs | 145.3373% | 1,978 |
| Earnings coverage of net charge-offs (x) | 1.1463% | 4,931 |
| Efficiency ratio | 46.1977% | 7,034 |
| Assets per employee ($millions) | 5.6832% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3606% | 285 |
| Loan loss allowance to noncurrent loans | 161.6969% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 4.3692% | 1,264 |
| Noncurrent loans to loans | 2.6967% | 2,409 |
| Net loans and leases to total assets | 61.6277% | 3,674 |
| Net loans and leases to deposits | 74.1475% | 3,474 |
| Net loans and leases to core deposits | 76.5355% | 3,900 |
| Total domestic deposits to total assets | 83.1149% | 4,703 |
| Equity capital to assets | 13.8502% | 1,126 |
| Core capital (leverage) ratio | 13.4738% | 975 |
| Tier 1 risk-based capital ratio | 17.5301% | 2,371 |
| Total risk-based capital ratio | 18.8097% | 2,329 |
| Memoranda: | ||
| Average total assets | $167,618,000 | 3,526 |
| Average earning assets | $152,663,800 | 3,540 |
| Average equity | $23,869,200 | 2,679 |
| Average total loans | $109,320,800 | 3,397 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9929% | 3,116 |
| Cost of funding earning assets | 0.8176% | 5,030 |
| Net interest margin | 4.1754% | 2,191 |
| Noninterest income to average assets | 3.8759% | 161 |
| Noninterest expense to average assets | 3.1685% | 2,930 |
| Loan and lease loss provision to assets | 4.0375% | 61 |
| Net operating income to assets | 0.3739% | 5,110 |
| Return on assets (ROA) | 0.3739% | 5,295 |
| Pretax return on assets | 0.4848% | 5,209 |
| Return on Equity (ROE) | 2.6081% | 5,580 |
| Retained earnings to average equity (ytd only) | 2.6081% | 4,802 |
| Net charge-offs to loans | 2.3965% | 471 |
| Credit loss provision to net charge-offs | 257.5543% | 1,109 |
| Earnings coverage of net charge-offs (x) | 2.8848% | 3,699 |
| Efficiency ratio | 41.1989% | 7,233 |
| Assets per employee ($millions) | 5.5132% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0411% | 179 |
| Loan loss allowance to noncurrent loans | 240.3160% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 4.4161% | 1,363 |
| Noncurrent loans to loans | 2.0977% | 3,248 |
| Net loans and leases to total assets | 60.6236% | 4,025 |
| Net loans and leases to deposits | 73.8070% | 3,683 |
| Net loans and leases to core deposits | 76.0916% | 4,186 |
| Total domestic deposits to total assets | 82.1380% | 5,037 |
| Equity capital to assets | 14.6914% | 934 |
| Core capital (leverage) ratio | 14.1304% | 874 |
| Tier 1 risk-based capital ratio | 18.6952% | 2,029 |
| Total risk-based capital ratio | 19.9809% | 1,978 |
| Memoranda: | ||
| Average total assets | $168,319,000 | 3,546 |
| Average earning assets | $153,786,250 | 3,534 |
| Average equity | $24,129,750 | 2,658 |
| Average total loans | $110,100,500 | 3,405 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9164% | 3,547 |
| Cost of funding earning assets | 0.8370% | 5,147 |
| Net interest margin | 4.0794% | 2,495 |
| Noninterest income to average assets | 4.6499% | 140 |
| Noninterest expense to average assets | 3.5760% | 1,796 |
| Loan and lease loss provision to assets | 3.6044% | 98 |
| Net operating income to assets | 0.8494% | 2,860 |
| Return on assets (ROA) | 0.8494% | 2,957 |
| Pretax return on assets | 1.2062% | 2,456 |
| Return on Equity (ROE) | 5.9734% | 3,987 |
| Retained earnings to average equity (ytd only) | 5.9734% | 2,454 |
| Net charge-offs to loans | 3.0859% | 327 |
| Credit loss provision to net charge-offs | 177.1777% | 1,697 |
| Earnings coverage of net charge-offs (x) | 2.3647% | 3,640 |
| Efficiency ratio | 42.6398% | 7,283 |
| Assets per employee ($millions) | 5.7082% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2225% | 745 |
| Loan loss allowance to noncurrent loans | 118.7500% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 4.6026% | 1,359 |
| Noncurrent loans to loans | 2.7137% | 2,679 |
| Net loans and leases to total assets | 64.1138% | 3,439 |
| Net loans and leases to deposits | 78.2229% | 3,086 |
| Net loans and leases to core deposits | 80.6395% | 3,698 |
| Total domestic deposits to total assets | 81.9629% | 5,180 |
| Equity capital to assets | 14.7423% | 880 |
| Core capital (leverage) ratio | 14.3053% | 804 |
| Tier 1 risk-based capital ratio | 18.3350% | 2,062 |
| Total risk-based capital ratio | 19.6059% | 2,011 |
| Memoranda: | ||
| Average total assets | $169,293,330 | 3,552 |
| Average earning assets | $155,073,670 | 3,542 |
| Average equity | $24,073,330 | 2,656 |
| Average total loans | $111,603,330 | 3,418 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8795% | 3,691 |
| Cost of funding earning assets | 0.8539% | 5,247 |
| Net interest margin | 4.0256% | 2,583 |
| Noninterest income to average assets | 4.7111% | 143 |
| Noninterest expense to average assets | 3.0332% | 3,509 |
| Loan and lease loss provision to assets | 3.0192% | 154 |
| Net operating income to assets | 1.6101% | 677 |
| Return on assets (ROA) | 1.6101% | 719 |
| Pretax return on assets | 2.3602% | 306 |
| Return on Equity (ROE) | 11.5275% | 1,592 |
| Retained earnings to average equity (ytd only) | 11.5275% | 807 |
| Net charge-offs to loans | 3.9370% | 231 |
| Credit loss provision to net charge-offs | 116.6065% | 2,324 |
| Earnings coverage of net charge-offs (x) | 2.0776% | 3,260 |
| Efficiency ratio | 36.0556% | 7,444 |
| Assets per employee ($millions) | 6.3119% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1760% | 2,018 |
| Loan loss allowance to noncurrent loans | 113.8704% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 4.3621% | 1,498 |
| Noncurrent loans to loans | 1.9110% | 3,686 |
| Net loans and leases to total assets | 63.0192% | 3,648 |
| Net loans and leases to deposits | 76.6630% | 3,306 |
| Net loans and leases to core deposits | 80.1358% | 3,735 |
| Total domestic deposits to total assets | 82.2029% | 5,224 |
| Equity capital to assets | 14.2641% | 937 |
| Core capital (leverage) ratio | 13.7552% | 901 |
| Tier 1 risk-based capital ratio | 18.7486% | 1,882 |
| Total risk-based capital ratio | 20.0073% | 1,837 |
| Memoranda: | ||
| Average total assets | $171,171,500 | 3,538 |
| Average earning assets | $157,393,000 | 3,513 |
| Average equity | $23,908,000 | 2,654 |
| Average total loans | $112,572,000 | 3,427 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0875% | 4,148 |
| Cost of funding earning assets | 1.0976% | 5,145 |
| Net interest margin | 3.9898% | 3,064 |
| Noninterest income to average assets | 0.8774% | 1,935 |
| Noninterest expense to average assets | 2.9155% | 4,165 |
| Loan and lease loss provision to assets | 0.8004% | 2,032 |
| Net operating income to assets | 0.6087% | 3,632 |
| Return on assets (ROA) | 0.6087% | 3,797 |
| Pretax return on assets | 0.8440% | 3,486 |
| Return on Equity (ROE) | 4.4024% | 4,344 |
| Retained earnings to average equity (ytd only) | 4.4024% | 2,772 |
| Net charge-offs to loans | 1.2298% | 1,822 |
| Credit loss provision to net charge-offs | 97.5965% | 4,751 |
| Earnings coverage of net charge-offs (x) | 2.0051% | 4,235 |
| Efficiency ratio | 63.9376% | 5,364 |
| Assets per employee ($millions) | 6.1401% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9115% | 2,526 |
| Loan loss allowance to noncurrent loans | 201.7383% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 3.5784% | 1,922 |
| Noncurrent loans to loans | 0.9475% | 5,152 |
| Net loans and leases to total assets | 65.8159% | 3,504 |
| Net loans and leases to deposits | 84.6978% | 2,341 |
| Net loans and leases to core deposits | 89.0736% | 2,881 |
| Total domestic deposits to total assets | 77.7068% | 6,369 |
| Equity capital to assets | 13.6731% | 1,136 |
| Core capital (leverage) ratio | 13.1414% | 1,083 |
| Tier 1 risk-based capital ratio | 17.1754% | 2,283 |
| Total risk-based capital ratio | 18.4311% | 2,239 |
| Memoranda: | ||
| Average total assets | $167,417,200 | 3,584 |
| Average earning assets | $154,517,400 | 3,566 |
| Average equity | $23,146,400 | 2,744 |
| Average total loans | $111,645,000 | 3,505 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0656% | 4,503 |
| Cost of funding earning assets | 1.1508% | 5,145 |
| Net interest margin | 3.9148% | 3,468 |
| Noninterest income to average assets | 1.2035% | 959 |
| Noninterest expense to average assets | 3.0292% | 3,647 |
| Loan and lease loss provision to assets | 0.2726% | 4,406 |
| Net operating income to assets | 1.0431% | 2,094 |
| Return on assets (ROA) | 1.0431% | 2,200 |
| Pretax return on assets | 1.5130% | 1,579 |
| Return on Equity (ROE) | 7.5234% | 3,095 |
| Retained earnings to average equity (ytd only) | 7.5234% | 1,590 |
| Net charge-offs to loans | 0.9526% | 2,090 |
| Credit loss provision to net charge-offs | 42.9836% | 5,979 |
| Earnings coverage of net charge-offs (x) | 2.8154% | 3,729 |
| Efficiency ratio | 62.9142% | 5,447 |
| Assets per employee ($millions) | 6.1485% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6720% | 3,245 |
| Loan loss allowance to noncurrent loans | 120.7243% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 4.7439% | 1,391 |
| Noncurrent loans to loans | 1.3850% | 4,547 |
| Net loans and leases to total assets | 61.4881% | 4,632 |
| Net loans and leases to deposits | 77.0691% | 3,997 |
| Net loans and leases to core deposits | 79.7331% | 4,559 |
| Total domestic deposits to total assets | 79.7830% | 5,781 |
| Equity capital to assets | 13.8519% | 1,219 |
| Core capital (leverage) ratio | 13.6012% | 1,028 |
| Tier 1 risk-based capital ratio | 18.6032% | 1,843 |
| Total risk-based capital ratio | 19.8564% | 1,809 |
| Memoranda: | ||
| Average total assets | $166,291,000 | 3,650 |
| Average earning assets | $153,397,000 | 3,634 |
| Average equity | $23,056,250 | 2,796 |
| Average total loans | $110,717,000 | 3,590 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1457% | 4,213 |
| Cost of funding earning assets | 1.1909% | 5,181 |
| Net interest margin | 3.9548% | 3,225 |
| Noninterest income to average assets | 0.9809% | 1,439 |
| Noninterest expense to average assets | 3.0413% | 3,551 |
| Loan and lease loss provision to assets | 0.3529% | 3,605 |
| Net operating income to assets | 0.8580% | 2,701 |
| Return on assets (ROA) | 0.8580% | 2,844 |
| Pretax return on assets | 1.2401% | 2,290 |
| Return on Equity (ROE) | 6.1862% | 3,707 |
| Retained earnings to average equity (ytd only) | 6.1862% | 2,233 |
| Net charge-offs to loans | 1.3908% | 1,371 |
| Credit loss provision to net charge-offs | 37.3230% | 5,646 |
| Earnings coverage of net charge-offs (x) | 1.6847% | 4,249 |
| Efficiency ratio | 65.6250% | 5,047 |
| Assets per employee ($millions) | 6.0576% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 3,562 |
| Loan loss allowance to noncurrent loans | 41.8925% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 5.4530% | 1,136 |
| Noncurrent loans to loans | 3.7591% | 2,066 |
| Net loans and leases to total assets | 64.9280% | 4,055 |
| Net loans and leases to deposits | 81.9282% | 3,285 |
| Net loans and leases to core deposits | 85.1407% | 3,967 |
| Total domestic deposits to total assets | 79.2499% | 5,956 |
| Equity capital to assets | 13.6993% | 1,270 |
| Core capital (leverage) ratio | 13.4711% | 1,068 |
| Tier 1 risk-based capital ratio | 17.3367% | 2,155 |
| Total risk-based capital ratio | 18.5885% | 2,120 |
| Memoranda: | ||
| Average total assets | $164,335,670 | 3,701 |
| Average earning assets | $151,815,000 | 3,676 |
| Average equity | $22,792,670 | 2,822 |
| Average total loans | $111,737,330 | 3,591 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 3,442 |
| Cost of funding earning assets | 1.2082% | 5,355 |
| Net interest margin | 4.1122% | 2,389 |
| Noninterest income to average assets | 0.3439% | 5,390 |
| Noninterest expense to average assets | 2.8597% | 4,228 |
| Loan and lease loss provision to assets | 0.2226% | 4,273 |
| Net operating income to assets | 0.7446% | 3,236 |
| Return on assets (ROA) | 0.7446% | 3,342 |
| Pretax return on assets | 1.0588% | 2,881 |
| Return on Equity (ROE) | 5.3343% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.3343% | 2,970 |
| Net charge-offs to loans | 2.8622% | 553 |
| Credit loss provision to net charge-offs | 11.2641% | 5,032 |
| Earnings coverage of net charge-offs (x) | 0.6483% | 4,448 |
| Efficiency ratio | 69.0562% | 4,500 |
| Assets per employee ($millions) | 6.2325% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 4,583 |
| Loan loss allowance to noncurrent loans | 38.2324% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 5.2960% | 1,184 |
| Noncurrent loans to loans | 3.5801% | 2,230 |
| Net loans and leases to total assets | 65.9460% | 3,861 |
| Net loans and leases to deposits | 81.9926% | 3,283 |
| Net loans and leases to core deposits | 85.3808% | 3,986 |
| Total domestic deposits to total assets | 80.4293% | 5,647 |
| Equity capital to assets | 13.5075% | 1,323 |
| Core capital (leverage) ratio | 14.0275% | 954 |
| Tier 1 risk-based capital ratio | 17.2554% | 2,172 |
| Total risk-based capital ratio | 18.5023% | 2,128 |
| Memoranda: | ||
| Average total assets | $161,696,500 | 3,805 |
| Average earning assets | $149,313,000 | 3,765 |
| Average equity | $22,571,000 | 2,869 |
| Average total loans | $111,661,500 | 3,650 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1216% | 1,459 |
| Cost of funding earning assets | 1.3436% | 6,166 |
| Net interest margin | 4.7780% | 725 |
| Noninterest income to average assets | 1.1050% | 1,257 |
| Noninterest expense to average assets | 2.8294% | 4,838 |
| Loan and lease loss provision to assets | 1.5071% | 1,524 |
| Net operating income to assets | 0.8749% | 2,262 |
| Return on assets (ROA) | 0.9003% | 2,245 |
| Pretax return on assets | 1.3011% | 1,695 |
| Return on Equity (ROE) | 6.6496% | 2,930 |
| Retained earnings to average equity (ytd only) | 6.6496% | 1,095 |
| Net charge-offs to loans | 1.3589% | 1,840 |
| Credit loss provision to net charge-offs | 145.0721% | 3,281 |
| Earnings coverage of net charge-offs (x) | 2.6677% | 3,777 |
| Efficiency ratio | 50.5183% | 7,508 |
| Assets per employee ($millions) | 5.5399% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0305% | 1,953 |
| Loan loss allowance to noncurrent loans | 138.5468% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 3.8171% | 1,744 |
| Noncurrent loans to loans | 1.4656% | 4,468 |
| Net loans and leases to total assets | 69.9870% | 3,259 |
| Net loans and leases to deposits | 85.6849% | 2,969 |
| Net loans and leases to core deposits | 98.1289% | 4,208 |
| Total domestic deposits to total assets | 81.6795% | 5,069 |
| Equity capital to assets | 14.4485% | 1,039 |
| Core capital (leverage) ratio | 13.6715% | 1,052 |
| Tier 1 risk-based capital ratio | 17.4828% | 2,030 |
| Total risk-based capital ratio | 18.7400% | 1,988 |
| Memoranda: | ||
| Average total assets | $160,174,800 | 3,774 |
| Average earning assets | $150,711,200 | 3,701 |
| Average equity | $21,685,400 | 2,988 |
| Average total loans | $122,448,800 | 3,428 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1521% | 1,488 |
| Cost of funding earning assets | 1.3554% | 6,381 |
| Net interest margin | 4.7967% | 683 |
| Noninterest income to average assets | 0.7507% | 2,705 |
| Noninterest expense to average assets | 2.9055% | 4,434 |
| Loan and lease loss provision to assets | 1.5593% | 1,219 |
| Net operating income to assets | 0.5823% | 3,668 |
| Return on assets (ROA) | 0.6169% | 3,596 |
| Pretax return on assets | 0.8738% | 3,305 |
| Return on Equity (ROE) | 4.6317% | 4,106 |
| Retained earnings to average equity (ytd only) | 4.6317% | 2,690 |
| Net charge-offs to loans | 0.9413% | 2,091 |
| Credit loss provision to net charge-offs | 213.3333% | 2,062 |
| Earnings coverage of net charge-offs (x) | 3.2622% | 3,607 |
| Efficiency ratio | 54.9258% | 7,124 |
| Assets per employee ($millions) | 6.2723% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1170% | 1,568 |
| Loan loss allowance to noncurrent loans | 80.9756% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 4.4077% | 1,393 |
| Noncurrent loans to loans | 2.6144% | 2,889 |
| Net loans and leases to total assets | 70.5960% | 3,362 |
| Net loans and leases to deposits | 85.2579% | 3,457 |
| Net loans and leases to core deposits | 96.1572% | 4,800 |
| Total domestic deposits to total assets | 82.8029% | 4,320 |
| Equity capital to assets | 13.3247% | 1,563 |
| Core capital (leverage) ratio | 12.5586% | 1,557 |
| Tier 1 risk-based capital ratio | 16.2456% | 2,537 |
| Total risk-based capital ratio | 17.5040% | 2,473 |
| Memoranda: | ||
| Average total assets | $161,439,500 | 3,773 |
| Average earning assets | $152,767,500 | 3,675 |
| Average equity | $21,503,750 | 3,031 |
| Average total loans | $125,358,250 | 3,398 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3100% | 1,184 |
| Cost of funding earning assets | 1.3749% | 6,567 |
| Net interest margin | 4.9351% | 499 |
| Noninterest income to average assets | 0.5159% | 4,303 |
| Noninterest expense to average assets | 2.8466% | 4,755 |
| Loan and lease loss provision to assets | 1.0889% | 1,575 |
| Net operating income to assets | 0.8780% | 2,546 |
| Return on assets (ROA) | 0.9286% | 2,440 |
| Pretax return on assets | 1.3475% | 1,888 |
| Return on Equity (ROE) | 6.9721% | 3,214 |
| Retained earnings to average equity (ytd only) | 6.9721% | 1,596 |
| Net charge-offs to loans | 0.3080% | 3,646 |
| Credit loss provision to net charge-offs | 444.6701% | 1,047 |
| Earnings coverage of net charge-offs (x) | 9.6497% | 2,096 |
| Efficiency ratio | 54.6409% | 7,264 |
| Assets per employee ($millions) | 6.2353% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7231% | 2,262 |
| Loan loss allowance to noncurrent loans | 53.3366% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 3.4142% | 1,833 |
| Noncurrent loans to loans | 3.2307% | 2,204 |
| Net loans and leases to total assets | 76.2013% | 2,135 |
| Net loans and leases to deposits | 93.2396% | 2,225 |
| Net loans and leases to core deposits | 104.2735% | 4,035 |
| Total domestic deposits to total assets | 81.7263% | 4,806 |
| Equity capital to assets | 13.3576% | 1,540 |
| Core capital (leverage) ratio | 12.8198% | 1,492 |
| Tier 1 risk-based capital ratio | 15.5314% | 2,802 |
| Total risk-based capital ratio | 16.7862% | 2,729 |
| Memoranda: | ||
| Average total assets | $160,892,670 | 3,808 |
| Average earning assets | $153,026,670 | 3,680 |
| Average equity | $21,428,330 | 3,045 |
| Average total loans | $127,938,330 | 3,382 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3820% | 1,107 |
| Cost of funding earning assets | 1.4136% | 6,688 |
| Net interest margin | 4.9684% | 437 |
| Noninterest income to average assets | 0.2745% | 6,237 |
| Noninterest expense to average assets | 2.7277% | 4,887 |
| Loan and lease loss provision to assets | 0.2770% | 3,743 |
| Net operating income to assets | 1.3626% | 1,226 |
| Return on assets (ROA) | 1.3626% | 1,314 |
| Pretax return on assets | 2.0065% | 663 |
| Return on Equity (ROE) | 10.2463% | 2,221 |
| Retained earnings to average equity (ytd only) | 10.2463% | 1,131 |
| Net charge-offs to loans | 0.0031% | 5,687 |
| Credit loss provision to net charge-offs | 11,100.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 915.0000% | 14 |
| Efficiency ratio | 54.4323% | 7,174 |
| Assets per employee ($millions) | 6.4544% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 4,788 |
| Loan loss allowance to noncurrent loans | 133.4742% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.7049% | 5,393 |
| Noncurrent loans to loans | 0.9009% | 5,199 |
| Net loans and leases to total assets | 77.3052% | 1,969 |
| Net loans and leases to deposits | 95.8159% | 1,977 |
| Net loans and leases to core deposits | 108.7200% | 3,593 |
| Total domestic deposits to total assets | 80.6810% | 5,098 |
| Equity capital to assets | 12.8523% | 1,806 |
| Core capital (leverage) ratio | 13.5461% | 1,313 |
| Tier 1 risk-based capital ratio | 14.6082% | 3,253 |
| Total risk-based capital ratio | 15.7702% | 3,226 |
| Memoranda: | ||
| Average total assets | $160,280,000 | 3,832 |
| Average earning assets | $152,805,000 | 3,700 |
| Average equity | $21,315,000 | 3,073 |
| Average total loans | $129,056,500 | 3,381 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3241% | 569 |
| Cost of funding earning assets | 2.3094% | 5,105 |
| Net interest margin | 5.0147% | 494 |
| Noninterest income to average assets | 0.2978% | 6,333 |
| Noninterest expense to average assets | 2.8607% | 4,566 |
| Loan and lease loss provision to assets | 0.1691% | 5,212 |
| Net operating income to assets | 1.3982% | 1,236 |
| Return on assets (ROA) | 1.3982% | 1,186 |
| Pretax return on assets | 2.0644% | 520 |
| Return on Equity (ROE) | 10.0803% | 2,230 |
| Retained earnings to average equity (ytd only) | 10.0803% | 439 |
| Net charge-offs to loans | 0.0938% | 5,394 |
| Credit loss provision to net charge-offs | 216.6667% | 2,221 |
| Earnings coverage of net charge-offs (x) | 28.6140% | 1,209 |
| Efficiency ratio | 56.1559% | 6,984 |
| Assets per employee ($millions) | 5.8748% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 4,949 |
| Loan loss allowance to noncurrent loans | 407.2829% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 6,634 |
| Noncurrent loans to loans | 0.2815% | 6,528 |
| Net loans and leases to total assets | 82.0650% | 1,217 |
| Net loans and leases to deposits | 98.8619% | 2,000 |
| Net loans and leases to core deposits | 112.3992% | 3,522 |
| Total domestic deposits to total assets | 83.0097% | 3,775 |
| Equity capital to assets | 13.7889% | 1,501 |
| Core capital (leverage) ratio | 13.8862% | 1,281 |
| Tier 1 risk-based capital ratio | 14.9983% | 3,048 |
| Total risk-based capital ratio | 16.1350% | 3,023 |
| Memoranda: | ||
| Average total assets | $146,047,200 | 3,973 |
| Average earning assets | $139,689,800 | 3,856 |
| Average equity | $20,257,400 | 3,187 |
| Average total loans | $121,521,800 | 3,430 |