Home > Southwest Georgia Bank > Performance and Condition Ratios
Southwest Georgia Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9944% | 981 |
| Cost of funding earning assets | 0.6871% | 2,985 |
| Net interest margin | 4.3073% | 748 |
| Noninterest income to average assets | 0.8321% | 1,215 |
| Noninterest expense to average assets | 7.1543% | 113 |
| Loan and lease loss provision to assets | 0.1149% | 2,247 |
| Net operating income to assets | -1.8931% | 5,047 |
| Return on assets (ROA) | -1.8931% | 5,032 |
| Pretax return on assets | -2.4395% | 5,042 |
| Return on Equity (ROE) | -21.4937% | 5,063 |
| Retained earnings to average equity (ytd only) | -21.4937% | 4,983 |
| Net charge-offs to loans | -0.1143% | 4,845 |
| Credit loss provision to net charge-offs | -138.0531% | 3,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.1323% | 58 |
| Assets per employee ($millions) | 4.7965% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 3,796 |
| Loan loss allowance to noncurrent loans | 1,173.6364% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 4,038 |
| Noncurrent loans to loans | 0.0837% | 4,178 |
| Net loans and leases to total assets | 73.2877% | 1,731 |
| Net loans and leases to deposits | 82.3198% | 2,414 |
| Net loans and leases to core deposits | 86.1768% | 2,665 |
| Total domestic deposits to total assets | 89.0281% | 649 |
| Equity capital to assets | 8.9350% | 4,636 |
| Core capital (leverage) ratio | 8.1229% | 4,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5883% | 2,893 |
| Memoranda: | ||
| Average total assets | $543,222,000 | 1,368 |
| Average earning assets | $504,162,000 | 1,371 |
| Average equity | $47,846,500 | 1,725 |
| Average total loans | $395,610,000 | 1,302 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9285% | 1,671 |
| Cost of funding earning assets | 0.8782% | 2,293 |
| Net interest margin | 4.0504% | 1,684 |
| Noninterest income to average assets | 0.8491% | 1,304 |
| Noninterest expense to average assets | 3.2470% | 1,416 |
| Loan and lease loss provision to assets | 0.1567% | 1,345 |
| Net operating income to assets | 0.9797% | 2,914 |
| Return on assets (ROA) | 1.0058% | 2,917 |
| Pretax return on assets | 1.2306% | 2,732 |
| Return on Equity (ROE) | 12.3470% | 1,383 |
| Retained earnings to average equity (ytd only) | 7.3094% | 1,251 |
| Net charge-offs to loans | 0.1767% | 1,145 |
| Credit loss provision to net charge-offs | 125.6598% | 2,033 |
| Earnings coverage of net charge-offs (x) | 10.8680% | 2,543 |
| Efficiency ratio | 70.5328% | 2,093 |
| Assets per employee ($millions) | 4.9493% | 2,660 |
| Cash dividends to net income (ytd only)* | 40.8000% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9075% | 3,926 |
| Loan loss allowance to noncurrent loans | 1,477.0492% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 4,158 |
| Noncurrent loans to loans | 0.0614% | 4,296 |
| Net loans and leases to total assets | 70.9968% | 2,250 |
| Net loans and leases to deposits | 82.9041% | 2,455 |
| Net loans and leases to core deposits | 87.2378% | 2,681 |
| Total domestic deposits to total assets | 85.6373% | 2,224 |
| Equity capital to assets | 8.4854% | 4,915 |
| Core capital (leverage) ratio | 8.5871% | 4,793 |
| Tier 1 risk-based capital ratio | 12.1410% | 4,277 |
| Total risk-based capital ratio | 13.0609% | 4,345 |
| Memoranda: | ||
| Average total assets | $546,819,400 | 1,313 |
| Average earning assets | $506,721,600 | 1,316 |
| Average equity | $44,545,400 | 1,770 |
| Average total loans | $385,948,600 | 1,306 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8637% | 1,933 |
| Cost of funding earning assets | 0.9071% | 2,201 |
| Net interest margin | 3.9565% | 2,083 |
| Noninterest income to average assets | 0.8715% | 1,215 |
| Noninterest expense to average assets | 3.1826% | 1,497 |
| Loan and lease loss provision to assets | 0.1823% | 998 |
| Net operating income to assets | 0.9557% | 3,144 |
| Return on assets (ROA) | 0.9907% | 3,088 |
| Pretax return on assets | 1.2148% | 2,937 |
| Return on Equity (ROE) | 12.2910% | 1,517 |
| Retained earnings to average equity (ytd only) | 6.9393% | 1,890 |
| Net charge-offs to loans | 0.2328% | 762 |
| Credit loss provision to net charge-offs | 111.3602% | 2,073 |
| Earnings coverage of net charge-offs (x) | 8.2750% | 2,674 |
| Efficiency ratio | 70.1251% | 2,096 |
| Assets per employee ($millions) | 4.8744% | 2,699 |
| Cash dividends to net income (ytd only)* | 43.5417% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8913% | 4,079 |
| Loan loss allowance to noncurrent loans | 182.3621% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 2,978 |
| Noncurrent loans to loans | 0.4888% | 2,831 |
| Net loans and leases to total assets | 71.3870% | 2,266 |
| Net loans and leases to deposits | 83.4915% | 2,509 |
| Net loans and leases to core deposits | 88.5720% | 2,677 |
| Total domestic deposits to total assets | 85.5022% | 2,209 |
| Equity capital to assets | 8.4533% | 5,021 |
| Core capital (leverage) ratio | 8.5086% | 4,943 |
| Tier 1 risk-based capital ratio | 11.8011% | 4,516 |
| Total risk-based capital ratio | 12.6887% | 4,600 |
| Memoranda: | ||
| Average total assets | $544,944,500 | 1,325 |
| Average earning assets | $504,875,000 | 1,327 |
| Average equity | $43,922,750 | 1,802 |
| Average total loans | $383,147,500 | 1,320 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7892% | 2,095 |
| Cost of funding earning assets | 0.9058% | 2,111 |
| Net interest margin | 3.8835% | 2,290 |
| Noninterest income to average assets | 0.9342% | 993 |
| Noninterest expense to average assets | 3.2427% | 1,423 |
| Loan and lease loss provision to assets | 0.1344% | 1,377 |
| Net operating income to assets | 0.9563% | 3,075 |
| Return on assets (ROA) | 0.9563% | 3,147 |
| Pretax return on assets | 1.1549% | 3,063 |
| Return on Equity (ROE) | 12.0610% | 1,555 |
| Retained earnings to average equity (ytd only) | 5.9703% | 2,293 |
| Net charge-offs to loans | 0.1738% | 937 |
| Credit loss provision to net charge-offs | 110.9091% | 1,839 |
| Earnings coverage of net charge-offs (x) | 10.6394% | 2,250 |
| Efficiency ratio | 71.5177% | 1,987 |
| Assets per employee ($millions) | 4.6293% | 2,964 |
| Cash dividends to net income (ytd only)* | 50.4992% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 4,111 |
| Loan loss allowance to noncurrent loans | 193.0362% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3327% | 3,203 |
| Noncurrent loans to loans | 0.4640% | 2,889 |
| Net loans and leases to total assets | 69.6016% | 2,592 |
| Net loans and leases to deposits | 81.7202% | 2,757 |
| Net loans and leases to core deposits | 86.4670% | 2,929 |
| Total domestic deposits to total assets | 85.1706% | 2,407 |
| Equity capital to assets | 8.1574% | 5,145 |
| Core capital (leverage) ratio | 8.3936% | 5,015 |
| Tier 1 risk-based capital ratio | 11.6737% | 4,594 |
| Total risk-based capital ratio | 12.5607% | 4,675 |
| Memoranda: | ||
| Average total assets | $544,613,330 | 1,322 |
| Average earning assets | $504,549,000 | 1,326 |
| Average equity | $43,180,330 | 1,822 |
| Average total loans | $379,785,330 | 1,336 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7448% | 2,062 |
| Cost of funding earning assets | 0.9550% | 1,768 |
| Net interest margin | 3.7898% | 2,566 |
| Noninterest income to average assets | 0.9138% | 1,015 |
| Noninterest expense to average assets | 3.2156% | 1,464 |
| Loan and lease loss provision to assets | 0.0857% | 1,991 |
| Net operating income to assets | 0.9323% | 3,118 |
| Return on assets (ROA) | 0.9323% | 3,156 |
| Pretax return on assets | 1.1243% | 3,075 |
| Return on Equity (ROE) | 11.9334% | 1,557 |
| Retained earnings to average equity (ytd only) | 2.4775% | 3,930 |
| Net charge-offs to loans | 0.1892% | 734 |
| Credit loss provision to net charge-offs | 65.1685% | 1,886 |
| Earnings coverage of net charge-offs (x) | 9.2022% | 2,043 |
| Efficiency ratio | 72.5922% | 1,940 |
| Assets per employee ($millions) | 4.5047% | 3,188 |
| Cash dividends to net income (ytd only)* | 79.2393% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 4,181 |
| Loan loss allowance to noncurrent loans | 372.0442% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 3,877 |
| Noncurrent loans to loans | 0.2405% | 3,713 |
| Net loans and leases to total assets | 67.8693% | 2,770 |
| Net loans and leases to deposits | 76.0794% | 3,253 |
| Net loans and leases to core deposits | 78.5767% | 3,480 |
| Total domestic deposits to total assets | 89.2085% | 761 |
| Equity capital to assets | 7.8436% | 5,216 |
| Core capital (leverage) ratio | 8.2351% | 5,126 |
| Tier 1 risk-based capital ratio | 11.7009% | 4,621 |
| Total risk-based capital ratio | 12.5847% | 4,724 |
| Memoranda: | ||
| Average total assets | $541,478,000 | 1,336 |
| Average earning assets | $501,769,000 | 1,338 |
| Average equity | $42,301,500 | 1,842 |
| Average total loans | $376,233,500 | 1,351 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6353% | 2,038 |
| Cost of funding earning assets | 0.7080% | 2,041 |
| Net interest margin | 3.9273% | 2,241 |
| Noninterest income to average assets | 0.8547% | 1,301 |
| Noninterest expense to average assets | 3.2096% | 1,527 |
| Loan and lease loss provision to assets | 0.1627% | 1,250 |
| Net operating income to assets | 0.9659% | 3,155 |
| Return on assets (ROA) | 0.9378% | 3,284 |
| Pretax return on assets | 1.0810% | 3,343 |
| Return on Equity (ROE) | 12.1571% | 1,659 |
| Retained earnings to average equity (ytd only) | 9.1083% | 824 |
| Net charge-offs to loans | 0.1267% | 1,484 |
| Credit loss provision to net charge-offs | 186.9369% | 1,523 |
| Earnings coverage of net charge-offs (x) | 14.6644% | 2,370 |
| Efficiency ratio | 71.4829% | 1,971 |
| Assets per employee ($millions) | 4.4070% | 3,298 |
| Cash dividends to net income (ytd only)* | 25.0784% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9117% | 4,105 |
| Loan loss allowance to noncurrent loans | 284.5643% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 3,595 |
| Noncurrent loans to loans | 0.3204% | 3,400 |
| Net loans and leases to total assets | 69.8882% | 2,575 |
| Net loans and leases to deposits | 81.6717% | 2,772 |
| Net loans and leases to core deposits | 84.3549% | 3,050 |
| Total domestic deposits to total assets | 85.5721% | 2,406 |
| Equity capital to assets | 7.8126% | 5,216 |
| Core capital (leverage) ratio | 8.2698% | 5,141 |
| Tier 1 risk-based capital ratio | 11.4879% | 4,732 |
| Total risk-based capital ratio | 12.3864% | 4,806 |
| Memoranda: | ||
| Average total assets | $510,249,000 | 1,381 |
| Average earning assets | $471,748,600 | 1,383 |
| Average equity | $39,359,800 | 1,893 |
| Average total loans | $350,420,400 | 1,403 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5643% | 2,089 |
| Cost of funding earning assets | 0.6342% | 2,246 |
| Net interest margin | 3.9300% | 2,200 |
| Noninterest income to average assets | 0.8013% | 1,469 |
| Noninterest expense to average assets | 3.2018% | 1,517 |
| Loan and lease loss provision to assets | 0.1599% | 1,206 |
| Net operating income to assets | 0.9533% | 3,294 |
| Return on assets (ROA) | 0.9533% | 3,306 |
| Pretax return on assets | 1.0751% | 3,485 |
| Return on Equity (ROE) | 12.3998% | 1,638 |
| Retained earnings to average equity (ytd only) | 8.2746% | 1,524 |
| Net charge-offs to loans | 0.2213% | 769 |
| Credit loss provision to net charge-offs | 105.9545% | 2,177 |
| Earnings coverage of net charge-offs (x) | 8.1839% | 2,737 |
| Efficiency ratio | 72.0932% | 1,866 |
| Assets per employee ($millions) | 4.3550% | 3,351 |
| Cash dividends to net income (ytd only)* | 33.2687% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8410% | 4,493 |
| Loan loss allowance to noncurrent loans | 144.9835% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 2,931 |
| Noncurrent loans to loans | 0.5801% | 2,640 |
| Net loans and leases to total assets | 70.6205% | 2,550 |
| Net loans and leases to deposits | 84.8887% | 2,491 |
| Net loans and leases to core deposits | 87.4655% | 2,877 |
| Total domestic deposits to total assets | 83.1919% | 3,237 |
| Equity capital to assets | 7.7283% | 5,263 |
| Core capital (leverage) ratio | 8.3754% | 5,155 |
| Tier 1 risk-based capital ratio | 11.4354% | 4,832 |
| Total risk-based capital ratio | 12.2604% | 4,927 |
| Memoranda: | ||
| Average total assets | $504,498,000 | 1,404 |
| Average earning assets | $466,685,500 | 1,399 |
| Average equity | $38,784,500 | 1,916 |
| Average total loans | $343,998,000 | 1,430 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 2,266 |
| Cost of funding earning assets | 0.5796% | 2,364 |
| Net interest margin | 3.8681% | 2,323 |
| Noninterest income to average assets | 0.8198% | 1,414 |
| Noninterest expense to average assets | 3.1957% | 1,541 |
| Loan and lease loss provision to assets | 0.1420% | 1,371 |
| Net operating income to assets | 0.9753% | 3,122 |
| Return on assets (ROA) | 0.9753% | 3,123 |
| Pretax return on assets | 1.0707% | 3,432 |
| Return on Equity (ROE) | 12.7098% | 1,470 |
| Retained earnings to average equity (ytd only) | 6.4718% | 2,321 |
| Net charge-offs to loans | 0.1230% | 1,193 |
| Credit loss provision to net charge-offs | 171.9807% | 1,445 |
| Earnings coverage of net charge-offs (x) | 14.6860% | 2,083 |
| Efficiency ratio | 72.4188% | 1,931 |
| Assets per employee ($millions) | 4.3320% | 3,386 |
| Cash dividends to net income (ytd only)* | 49.0798% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 4,222 |
| Loan loss allowance to noncurrent loans | 185.6395% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3469% | 3,365 |
| Noncurrent loans to loans | 0.4982% | 2,933 |
| Net loans and leases to total assets | 67.4895% | 2,947 |
| Net loans and leases to deposits | 81.9933% | 2,771 |
| Net loans and leases to core deposits | 84.6235% | 3,030 |
| Total domestic deposits to total assets | 82.3110% | 3,625 |
| Equity capital to assets | 7.6698% | 5,328 |
| Core capital (leverage) ratio | 8.2294% | 5,247 |
| Tier 1 risk-based capital ratio | 11.8374% | 4,597 |
| Total risk-based capital ratio | 12.7483% | 4,687 |
| Memoranda: | ||
| Average total assets | $501,367,670 | 1,410 |
| Average earning assets | $465,132,670 | 1,405 |
| Average equity | $38,474,330 | 1,934 |
| Average total loans | $336,667,670 | 1,454 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3812% | 2,263 |
| Cost of funding earning assets | 0.5353% | 2,507 |
| Net interest margin | 3.8459% | 2,241 |
| Noninterest income to average assets | 0.7982% | 1,457 |
| Noninterest expense to average assets | 3.1727% | 1,630 |
| Loan and lease loss provision to assets | 0.1733% | 1,012 |
| Net operating income to assets | 1.0044% | 2,839 |
| Return on assets (ROA) | 1.0044% | 2,856 |
| Pretax return on assets | 1.0140% | 3,485 |
| Return on Equity (ROE) | 13.0844% | 1,237 |
| Retained earnings to average equity (ytd only) | 0.5434% | 4,724 |
| Net charge-offs to loans | 0.1083% | 1,126 |
| Credit loss provision to net charge-offs | 240.0000% | 935 |
| Earnings coverage of net charge-offs (x) | 16.4444% | 1,622 |
| Efficiency ratio | 72.6955% | 2,091 |
| Assets per employee ($millions) | 4.4641% | 3,218 |
| Cash dividends to net income (ytd only)* | 95.8466% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 4,231 |
| Loan loss allowance to noncurrent loans | 210.4914% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 3,668 |
| Noncurrent loans to loans | 0.4500% | 3,191 |
| Net loans and leases to total assets | 65.1398% | 3,159 |
| Net loans and leases to deposits | 78.8097% | 2,937 |
| Net loans and leases to core deposits | 81.3198% | 3,207 |
| Total domestic deposits to total assets | 82.6546% | 3,768 |
| Equity capital to assets | 7.4504% | 5,429 |
| Core capital (leverage) ratio | 8.1059% | 5,359 |
| Tier 1 risk-based capital ratio | 11.8869% | 4,616 |
| Total risk-based capital ratio | 12.8219% | 4,715 |
| Memoranda: | ||
| Average total assets | $498,629,000 | 1,430 |
| Average earning assets | $461,792,000 | 1,426 |
| Average equity | $38,274,500 | 1,943 |
| Average total loans | $332,371,500 | 1,477 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3772% | 2,089 |
| Cost of funding earning assets | 0.4373% | 2,899 |
| Net interest margin | 3.9399% | 1,955 |
| Noninterest income to average assets | 0.8774% | 1,335 |
| Noninterest expense to average assets | 3.3297% | 1,318 |
| Loan and lease loss provision to assets | 0.0638% | 2,951 |
| Net operating income to assets | 0.7944% | 3,188 |
| Return on assets (ROA) | 0.8219% | 3,114 |
| Pretax return on assets | 1.1851% | 2,825 |
| Return on Equity (ROE) | 10.3771% | 1,736 |
| Retained earnings to average equity (ytd only) | 5.0073% | 2,125 |
| Net charge-offs to loans | 0.1202% | 1,846 |
| Credit loss provision to net charge-offs | 78.7402% | 2,959 |
| Earnings coverage of net charge-offs (x) | 14.9239% | 2,285 |
| Efficiency ratio | 73.2852% | 2,016 |
| Assets per employee ($millions) | 4.2099% | 3,640 |
| Cash dividends to net income (ytd only)* | 51.7464% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9222% | 4,363 |
| Loan loss allowance to noncurrent loans | 181.7313% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 2,890 |
| Noncurrent loans to loans | 0.5075% | 2,997 |
| Net loans and leases to total assets | 66.9658% | 2,970 |
| Net loans and leases to deposits | 82.0226% | 2,714 |
| Net loans and leases to core deposits | 85.0022% | 2,985 |
| Total domestic deposits to total assets | 81.6431% | 3,957 |
| Equity capital to assets | 7.9110% | 5,422 |
| Core capital (leverage) ratio | 8.2903% | 5,293 |
| Tier 1 risk-based capital ratio | 12.0182% | 4,515 |
| Total risk-based capital ratio | 12.9272% | 4,621 |
| Memoranda: | ||
| Average total assets | $470,259,600 | 1,476 |
| Average earning assets | $437,018,800 | 1,485 |
| Average equity | $37,245,400 | 1,963 |
| Average total loans | $316,867,400 | 1,498 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3410% | 2,137 |
| Cost of funding earning assets | 0.4155% | 3,039 |
| Net interest margin | 3.9255% | 1,946 |
| Noninterest income to average assets | 0.9064% | 1,254 |
| Noninterest expense to average assets | 3.3766% | 1,192 |
| Loan and lease loss provision to assets | 0.0644% | 2,786 |
| Net operating income to assets | 0.8583% | 3,237 |
| Return on assets (ROA) | 0.8995% | 3,085 |
| Pretax return on assets | 1.1732% | 3,008 |
| Return on Equity (ROE) | 11.3534% | 1,550 |
| Retained earnings to average equity (ytd only) | 4.1265% | 3,457 |
| Net charge-offs to loans | 0.0604% | 2,255 |
| Credit loss provision to net charge-offs | 158.4507% | 1,616 |
| Earnings coverage of net charge-offs (x) | 29.1266% | 1,586 |
| Efficiency ratio | 73.9627% | 1,897 |
| Assets per employee ($millions) | 4.1761% | 3,686 |
| Cash dividends to net income (ytd only)* | 63.6537% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 4,216 |
| Loan loss allowance to noncurrent loans | 207.1014% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5153% | 2,996 |
| Noncurrent loans to loans | 0.4704% | 3,287 |
| Net loans and leases to total assets | 68.5001% | 2,776 |
| Net loans and leases to deposits | 84.3846% | 2,510 |
| Net loans and leases to core deposits | 87.3861% | 2,835 |
| Total domestic deposits to total assets | 81.1760% | 4,001 |
| Equity capital to assets | 8.0027% | 5,521 |
| Core capital (leverage) ratio | 8.4003% | 5,317 |
| Tier 1 risk-based capital ratio | 11.8129% | 4,761 |
| Total risk-based capital ratio | 12.7717% | 4,840 |
| Memoranda: | ||
| Average total assets | $465,738,250 | 1,500 |
| Average earning assets | $433,559,000 | 1,502 |
| Average equity | $36,898,500 | 1,993 |
| Average total loans | $313,567,250 | 1,519 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 2,129 |
| Cost of funding earning assets | 0.4070% | 3,006 |
| Net interest margin | 3.8923% | 1,957 |
| Noninterest income to average assets | 0.9591% | 1,114 |
| Noninterest expense to average assets | 3.3619% | 1,250 |
| Loan and lease loss provision to assets | 0.0649% | 2,672 |
| Net operating income to assets | 0.8865% | 2,982 |
| Return on assets (ROA) | 0.9414% | 2,768 |
| Pretax return on assets | 1.2326% | 2,648 |
| Return on Equity (ROE) | 11.9238% | 1,326 |
| Retained earnings to average equity (ytd only) | 0.9644% | 4,850 |
| Net charge-offs to loans | 0.1161% | 1,476 |
| Credit loss provision to net charge-offs | 83.7989% | 2,218 |
| Earnings coverage of net charge-offs (x) | 15.8212% | 2,008 |
| Efficiency ratio | 73.2151% | 2,148 |
| Assets per employee ($millions) | 4.0804% | 3,831 |
| Cash dividends to net income (ytd only)* | 91.9118% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 4,363 |
| Loan loss allowance to noncurrent loans | 239.4432% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.2755% | 4,017 |
| Noncurrent loans to loans | 0.4013% | 3,593 |
| Net loans and leases to total assets | 68.0064% | 2,818 |
| Net loans and leases to deposits | 81.1317% | 2,791 |
| Net loans and leases to core deposits | 83.9289% | 3,077 |
| Total domestic deposits to total assets | 83.8223% | 3,275 |
| Equity capital to assets | 7.9068% | 5,573 |
| Core capital (leverage) ratio | 8.2351% | 5,407 |
| Tier 1 risk-based capital ratio | 11.6496% | 4,864 |
| Total risk-based capital ratio | 12.5851% | 4,951 |
| Memoranda: | ||
| Average total assets | $462,293,000 | 1,516 |
| Average earning assets | $430,906,670 | 1,514 |
| Average equity | $36,498,330 | 2,004 |
| Average total loans | $308,316,670 | 1,536 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2097% | 2,243 |
| Cost of funding earning assets | 0.4107% | 2,893 |
| Net interest margin | 3.7990% | 2,117 |
| Noninterest income to average assets | 1.0104% | 983 |
| Noninterest expense to average assets | 3.3730% | 1,249 |
| Loan and lease loss provision to assets | 0.0654% | 2,493 |
| Net operating income to assets | 0.8522% | 2,985 |
| Return on assets (ROA) | 0.9354% | 2,640 |
| Pretax return on assets | 1.2205% | 2,512 |
| Return on Equity (ROE) | 11.8575% | 1,285 |
| Retained earnings to average equity (ytd only) | -10.2441% | 5,582 |
| Net charge-offs to loans | 0.0504% | 1,852 |
| Credit loss provision to net charge-offs | 197.3684% | 1,021 |
| Earnings coverage of net charge-offs (x) | 35.5526% | 1,122 |
| Efficiency ratio | 74.0421% | 2,225 |
| Assets per employee ($millions) | 4.1958% | 3,668 |
| Cash dividends to net income (ytd only)* | 186.3933% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 4,169 |
| Loan loss allowance to noncurrent loans | 258.7561% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 4,062 |
| Noncurrent loans to loans | 0.3937% | 3,690 |
| Net loans and leases to total assets | 65.3786% | 3,065 |
| Net loans and leases to deposits | 77.6738% | 3,016 |
| Net loans and leases to core deposits | 80.4191% | 3,249 |
| Total domestic deposits to total assets | 84.1708% | 3,412 |
| Equity capital to assets | 7.6140% | 5,652 |
| Core capital (leverage) ratio | 8.0511% | 5,539 |
| Tier 1 risk-based capital ratio | 11.4840% | 5,039 |
| Total risk-based capital ratio | 12.4537% | 5,097 |
| Memoranda: | ||
| Average total assets | $458,817,500 | 1,537 |
| Average earning assets | $427,585,000 | 1,538 |
| Average equity | $36,196,500 | 2,019 |
| Average total loans | $301,369,000 | 1,573 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3856% | 1,866 |
| Cost of funding earning assets | 0.4079% | 2,929 |
| Net interest margin | 3.9777% | 1,702 |
| Noninterest income to average assets | 1.0058% | 1,132 |
| Noninterest expense to average assets | 3.4547% | 1,247 |
| Loan and lease loss provision to assets | 0.0375% | 3,621 |
| Net operating income to assets | 0.9303% | 2,678 |
| Return on assets (ROA) | 0.9608% | 2,639 |
| Pretax return on assets | 1.2522% | 2,462 |
| Return on Equity (ROE) | 11.5295% | 1,386 |
| Retained earnings to average equity (ytd only) | 11.5295% | 251 |
| Net charge-offs to loans | 0.0241% | 3,561 |
| Credit loss provision to net charge-offs | 238.8060% | 1,215 |
| Earnings coverage of net charge-offs (x) | 79.5821% | 717 |
| Efficiency ratio | 73.3493% | 2,369 |
| Assets per employee ($millions) | 3.9973% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 3,898 |
| Loan loss allowance to noncurrent loans | 1,265.1822% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 5,004 |
| Noncurrent loans to loans | 0.0845% | 4,906 |
| Net loans and leases to total assets | 64.6000% | 3,275 |
| Net loans and leases to deposits | 77.6553% | 3,143 |
| Net loans and leases to core deposits | 80.1475% | 3,382 |
| Total domestic deposits to total assets | 83.1881% | 3,702 |
| Equity capital to assets | 8.1778% | 5,484 |
| Core capital (leverage) ratio | 8.4918% | 5,267 |
| Tier 1 risk-based capital ratio | 12.4686% | 4,389 |
| Total risk-based capital ratio | 13.4839% | 4,428 |
| Memoranda: | ||
| Average total assets | $426,524,200 | 1,594 |
| Average earning assets | $396,640,600 | 1,586 |
| Average equity | $35,543,600 | 2,050 |
| Average total loans | $277,438,200 | 1,631 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 1,838 |
| Cost of funding earning assets | 0.4040% | 2,981 |
| Net interest margin | 4.0042% | 1,635 |
| Noninterest income to average assets | 1.0176% | 1,110 |
| Noninterest expense to average assets | 3.4837% | 1,178 |
| Loan and lease loss provision to assets | 0.0364% | 3,520 |
| Net operating income to assets | 0.9350% | 2,725 |
| Return on assets (ROA) | 0.9762% | 2,667 |
| Pretax return on assets | 1.2750% | 2,522 |
| Return on Equity (ROE) | 11.6562% | 1,429 |
| Retained earnings to average equity (ytd only) | 11.6562% | 341 |
| Net charge-offs to loans | 0.0263% | 3,144 |
| Credit loss provision to net charge-offs | 212.9630% | 1,375 |
| Earnings coverage of net charge-offs (x) | 73.5907% | 834 |
| Efficiency ratio | 73.3912% | 2,381 |
| Assets per employee ($millions) | 3.9448% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 3,956 |
| Loan loss allowance to noncurrent loans | 878.6932% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 4,991 |
| Noncurrent loans to loans | 0.1228% | 4,853 |
| Net loans and leases to total assets | 64.1763% | 3,376 |
| Net loans and leases to deposits | 77.6655% | 3,223 |
| Net loans and leases to core deposits | 79.9931% | 3,445 |
| Total domestic deposits to total assets | 82.6317% | 3,734 |
| Equity capital to assets | 8.3704% | 5,597 |
| Core capital (leverage) ratio | 8.5956% | 5,268 |
| Tier 1 risk-based capital ratio | 12.5027% | 4,474 |
| Total risk-based capital ratio | 13.5378% | 4,517 |
| Memoranda: | ||
| Average total assets | $421,230,250 | 1,613 |
| Average earning assets | $391,750,250 | 1,604 |
| Average equity | $35,276,500 | 2,074 |
| Average total loans | $273,713,000 | 1,653 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 1,709 |
| Cost of funding earning assets | 0.4015% | 3,026 |
| Net interest margin | 4.0387% | 1,524 |
| Noninterest income to average assets | 1.0672% | 982 |
| Noninterest expense to average assets | 3.5249% | 1,121 |
| Loan and lease loss provision to assets | 0.0338% | 3,476 |
| Net operating income to assets | 0.9724% | 2,512 |
| Return on assets (ROA) | 1.0141% | 2,463 |
| Pretax return on assets | 1.3157% | 2,345 |
| Return on Equity (ROE) | 12.1067% | 1,280 |
| Retained earnings to average equity (ytd only) | 12.1067% | 312 |
| Net charge-offs to loans | -0.0082% | 4,642 |
| Credit loss provision to net charge-offs | -636.3636% | 5,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0450% | 2,508 |
| Assets per employee ($millions) | 3.8297% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 4,037 |
| Loan loss allowance to noncurrent loans | 468.1203% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1773% | 4,790 |
| Noncurrent loans to loans | 0.2313% | 4,516 |
| Net loans and leases to total assets | 67.4986% | 2,866 |
| Net loans and leases to deposits | 82.3807% | 2,664 |
| Net loans and leases to core deposits | 84.6945% | 3,018 |
| Total domestic deposits to total assets | 81.9350% | 4,016 |
| Equity capital to assets | 8.5798% | 5,550 |
| Core capital (leverage) ratio | 8.6703% | 5,198 |
| Tier 1 risk-based capital ratio | 12.4903% | 4,533 |
| Total risk-based capital ratio | 13.5592% | 4,562 |
| Memoranda: | ||
| Average total assets | $414,368,000 | 1,632 |
| Average earning assets | $385,076,670 | 1,624 |
| Average equity | $34,708,000 | 2,106 |
| Average total loans | $269,405,670 | 1,676 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4762% | 1,577 |
| Cost of funding earning assets | 0.3966% | 3,109 |
| Net interest margin | 4.0796% | 1,395 |
| Noninterest income to average assets | 1.1671% | 809 |
| Noninterest expense to average assets | 3.5968% | 1,024 |
| Loan and lease loss provision to assets | 0.0292% | 3,267 |
| Net operating income to assets | 1.0072% | 2,244 |
| Return on assets (ROA) | 1.0279% | 2,286 |
| Pretax return on assets | 1.3531% | 2,079 |
| Return on Equity (ROE) | 12.4272% | 1,175 |
| Retained earnings to average equity (ytd only) | 12.4272% | 447 |
| Net charge-offs to loans | -0.0061% | 4,357 |
| Credit loss provision to net charge-offs | -750.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5575% | 2,716 |
| Assets per employee ($millions) | 3.7779% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 3,862 |
| Loan loss allowance to noncurrent loans | 61,320.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 5,558 |
| Noncurrent loans to loans | 0.0018% | 5,529 |
| Net loans and leases to total assets | 65.5040% | 3,023 |
| Net loans and leases to deposits | 80.2605% | 2,757 |
| Net loans and leases to core deposits | 82.4203% | 3,097 |
| Total domestic deposits to total assets | 81.6143% | 4,325 |
| Equity capital to assets | 8.5372% | 5,542 |
| Core capital (leverage) ratio | 8.5304% | 5,367 |
| Tier 1 risk-based capital ratio | 12.7621% | 4,423 |
| Total risk-based capital ratio | 13.8697% | 4,419 |
| Memoranda: | ||
| Average total assets | $410,918,000 | 1,643 |
| Average earning assets | $381,218,500 | 1,643 |
| Average equity | $33,990,000 | 2,146 |
| Average total loans | $260,377,000 | 1,727 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 2,428 |
| Cost of funding earning assets | 0.3637% | 3,544 |
| Net interest margin | 3.8736% | 2,119 |
| Noninterest income to average assets | 1.0811% | 1,005 |
| Noninterest expense to average assets | 3.5280% | 1,246 |
| Loan and lease loss provision to assets | 0.0358% | 3,632 |
| Net operating income to assets | 0.8669% | 3,036 |
| Return on assets (ROA) | 0.8677% | 3,107 |
| Pretax return on assets | 1.0999% | 3,065 |
| Return on Equity (ROE) | 10.2303% | 1,913 |
| Retained earnings to average equity (ytd only) | 2.1892% | 4,471 |
| Net charge-offs to loans | 0.0944% | 2,481 |
| Credit loss provision to net charge-offs | 63.2287% | 3,222 |
| Earnings coverage of net charge-offs (x) | 20.0314% | 1,905 |
| Efficiency ratio | 75.5775% | 2,341 |
| Assets per employee ($millions) | 3.7965% | 4,300 |
| Cash dividends to net income (ytd only)* | 78.6007% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 3,412 |
| Loan loss allowance to noncurrent loans | 195.9922% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 4,022 |
| Noncurrent loans to loans | 0.6178% | 3,329 |
| Net loans and leases to total assets | 59.7818% | 3,871 |
| Net loans and leases to deposits | 72.5627% | 3,661 |
| Net loans and leases to core deposits | 74.7689% | 3,870 |
| Total domestic deposits to total assets | 82.3864% | 4,058 |
| Equity capital to assets | 8.0099% | 5,850 |
| Core capital (leverage) ratio | 8.4255% | 5,493 |
| Tier 1 risk-based capital ratio | 12.9910% | 4,325 |
| Total risk-based capital ratio | 14.1401% | 4,287 |
| Memoranda: | ||
| Average total assets | $393,681,400 | 1,672 |
| Average earning assets | $363,999,800 | 1,662 |
| Average equity | $33,391,000 | 2,129 |
| Average total loans | $236,117,400 | 1,832 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2667% | 2,343 |
| Cost of funding earning assets | 0.3605% | 3,647 |
| Net interest margin | 3.9062% | 2,010 |
| Noninterest income to average assets | 1.1012% | 993 |
| Noninterest expense to average assets | 3.5421% | 1,209 |
| Loan and lease loss provision to assets | 0.0484% | 3,240 |
| Net operating income to assets | 0.8813% | 3,036 |
| Return on assets (ROA) | 0.8824% | 3,113 |
| Pretax return on assets | 1.1180% | 3,146 |
| Return on Equity (ROE) | 10.2513% | 1,996 |
| Retained earnings to average equity (ytd only) | 4.6713% | 3,147 |
| Net charge-offs to loans | 0.0430% | 3,033 |
| Credit loss provision to net charge-offs | 188.0000% | 1,403 |
| Earnings coverage of net charge-offs (x) | 45.2789% | 1,126 |
| Efficiency ratio | 75.1622% | 2,377 |
| Assets per employee ($millions) | 3.7277% | 4,396 |
| Cash dividends to net income (ytd only)* | 54.4323% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3309% | 2,952 |
| Loan loss allowance to noncurrent loans | 233.9956% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 4,387 |
| Noncurrent loans to loans | 0.5688% | 3,631 |
| Net loans and leases to total assets | 60.2320% | 3,854 |
| Net loans and leases to deposits | 72.7900% | 3,673 |
| Net loans and leases to core deposits | 75.0309% | 3,907 |
| Total domestic deposits to total assets | 82.7476% | 3,900 |
| Equity capital to assets | 8.8354% | 5,454 |
| Core capital (leverage) ratio | 8.8199% | 5,216 |
| Tier 1 risk-based capital ratio | 13.6900% | 4,030 |
| Total risk-based capital ratio | 14.9400% | 3,965 |
| Memoranda: | ||
| Average total assets | $388,646,000 | 1,703 |
| Average earning assets | $358,768,750 | 1,695 |
| Average equity | $33,452,000 | 2,137 |
| Average total loans | $232,541,000 | 1,861 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2434% | 2,379 |
| Cost of funding earning assets | 0.3593% | 3,712 |
| Net interest margin | 3.8841% | 2,037 |
| Noninterest income to average assets | 1.1359% | 937 |
| Noninterest expense to average assets | 3.5598% | 1,198 |
| Loan and lease loss provision to assets | 0.0464% | 3,190 |
| Net operating income to assets | 0.8768% | 3,004 |
| Return on assets (ROA) | 0.8785% | 3,108 |
| Pretax return on assets | 1.1168% | 3,103 |
| Return on Equity (ROE) | 10.2978% | 1,933 |
| Retained earnings to average equity (ytd only) | 1.8322% | 4,782 |
| Net charge-offs to loans | 0.0208% | 3,261 |
| Credit loss provision to net charge-offs | 375.0000% | 778 |
| Earnings coverage of net charge-offs (x) | 93.7917% | 626 |
| Efficiency ratio | 75.3169% | 2,491 |
| Assets per employee ($millions) | 3.6476% | 4,538 |
| Cash dividends to net income (ytd only)* | 82.2079% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 3,015 |
| Loan loss allowance to noncurrent loans | 298.5915% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 4,683 |
| Noncurrent loans to loans | 0.4499% | 4,121 |
| Net loans and leases to total assets | 59.8326% | 3,861 |
| Net loans and leases to deposits | 72.2283% | 3,700 |
| Net loans and leases to core deposits | 74.6299% | 3,891 |
| Total domestic deposits to total assets | 82.8381% | 4,010 |
| Equity capital to assets | 8.5434% | 5,650 |
| Core capital (leverage) ratio | 8.5463% | 5,491 |
| Tier 1 risk-based capital ratio | 13.4274% | 4,259 |
| Total risk-based capital ratio | 14.6774% | 4,193 |
| Memoranda: | ||
| Average total assets | $387,723,670 | 1,719 |
| Average earning assets | $357,870,670 | 1,711 |
| Average equity | $33,075,000 | 2,167 |
| Average total loans | $230,409,330 | 1,883 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1454% | 2,648 |
| Cost of funding earning assets | 0.3556% | 3,797 |
| Net interest margin | 3.7898% | 2,260 |
| Noninterest income to average assets | 1.2017% | 787 |
| Noninterest expense to average assets | 3.5804% | 1,163 |
| Loan and lease loss provision to assets | 0.0466% | 2,997 |
| Net operating income to assets | 0.8446% | 3,032 |
| Return on assets (ROA) | 0.8446% | 3,156 |
| Pretax return on assets | 1.0713% | 3,210 |
| Return on Equity (ROE) | 9.9088% | 2,046 |
| Retained earnings to average equity (ytd only) | -7.0916% | 6,043 |
| Net charge-offs to loans | 0.0440% | 2,365 |
| Credit loss provision to net charge-offs | 180.0000% | 1,127 |
| Earnings coverage of net charge-offs (x) | 43.2000% | 928 |
| Efficiency ratio | 76.1181% | 2,498 |
| Assets per employee ($millions) | 3.6629% | 4,589 |
| Cash dividends to net income (ytd only)* | 171.5686% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 3,092 |
| Loan loss allowance to noncurrent loans | 585.7944% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 5,230 |
| Noncurrent loans to loans | 0.2325% | 4,943 |
| Net loans and leases to total assets | 56.8587% | 4,106 |
| Net loans and leases to deposits | 67.4409% | 4,008 |
| Net loans and leases to core deposits | 69.3302% | 4,219 |
| Total domestic deposits to total assets | 84.3089% | 3,695 |
| Equity capital to assets | 8.2336% | 5,914 |
| Core capital (leverage) ratio | 8.3536% | 5,679 |
| Tier 1 risk-based capital ratio | 13.3078% | 4,428 |
| Total risk-based capital ratio | 14.5578% | 4,343 |
| Memoranda: | ||
| Average total assets | $386,441,000 | 1,726 |
| Average earning assets | $356,537,000 | 1,722 |
| Average equity | $32,940,500 | 2,185 |
| Average total loans | $227,264,000 | 1,895 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2194% | 2,887 |
| Cost of funding earning assets | 0.3904% | 3,787 |
| Net interest margin | 3.8290% | 2,516 |
| Noninterest income to average assets | 1.2377% | 791 |
| Noninterest expense to average assets | 3.7461% | 1,070 |
| Loan and lease loss provision to assets | 0.0870% | 2,730 |
| Net operating income to assets | 0.7233% | 3,778 |
| Return on assets (ROA) | 0.7838% | 3,540 |
| Pretax return on assets | 1.0022% | 3,488 |
| Return on Equity (ROE) | 9.4679% | 2,355 |
| Retained earnings to average equity (ytd only) | 6.2822% | 1,762 |
| Net charge-offs to loans | 0.1314% | 2,700 |
| Credit loss provision to net charge-offs | 112.2449% | 2,118 |
| Earnings coverage of net charge-offs (x) | 13.0476% | 2,314 |
| Efficiency ratio | 78.4867% | 2,136 |
| Assets per employee ($millions) | 3.2774% | 5,299 |
| Cash dividends to net income (ytd only)* | 33.6474% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3878% | 3,007 |
| Loan loss allowance to noncurrent loans | 396.1832% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.2837% | 4,900 |
| Noncurrent loans to loans | 0.3503% | 4,608 |
| Net loans and leases to total assets | 59.2218% | 3,893 |
| Net loans and leases to deposits | 71.2281% | 3,764 |
| Net loans and leases to core deposits | 73.3202% | 3,987 |
| Total domestic deposits to total assets | 83.1440% | 4,023 |
| Equity capital to assets | 8.8344% | 5,447 |
| Core capital (leverage) ratio | 8.8102% | 5,232 |
| Tier 1 risk-based capital ratio | 13.9332% | 4,139 |
| Total risk-based capital ratio | 15.1837% | 4,076 |
| Memoranda: | ||
| Average total assets | $379,166,200 | 1,729 |
| Average earning assets | $348,579,400 | 1,715 |
| Average equity | $31,390,200 | 2,200 |
| Average total loans | $223,737,600 | 1,875 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1935% | 3,012 |
| Cost of funding earning assets | 0.3988% | 3,801 |
| Net interest margin | 3.7947% | 2,637 |
| Noninterest income to average assets | 1.2532% | 772 |
| Noninterest expense to average assets | 3.7159% | 1,097 |
| Loan and lease loss provision to assets | 0.0893% | 2,571 |
| Net operating income to assets | 0.7262% | 3,808 |
| Return on assets (ROA) | 0.8065% | 3,497 |
| Pretax return on assets | 1.0385% | 3,433 |
| Return on Equity (ROE) | 9.9054% | 2,267 |
| Retained earnings to average equity (ytd only) | 5.6024% | 2,671 |
| Net charge-offs to loans | 0.0817% | 3,029 |
| Credit loss provision to net charge-offs | 186.1314% | 1,349 |
| Earnings coverage of net charge-offs (x) | 21.3506% | 1,683 |
| Efficiency ratio | 78.0800% | 2,171 |
| Assets per employee ($millions) | 3.3323% | 5,180 |
| Cash dividends to net income (ytd only)* | 43.4404% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 3,094 |
| Loan loss allowance to noncurrent loans | 320.2405% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 4,912 |
| Noncurrent loans to loans | 0.4422% | 4,576 |
| Net loans and leases to total assets | 58.5703% | 3,991 |
| Net loans and leases to deposits | 71.3269% | 3,761 |
| Net loans and leases to core deposits | 72.5706% | 4,095 |
| Total domestic deposits to total assets | 82.1154% | 4,445 |
| Equity capital to assets | 8.4248% | 5,858 |
| Core capital (leverage) ratio | 8.7862% | 5,355 |
| Tier 1 risk-based capital ratio | 13.7104% | 4,411 |
| Total risk-based capital ratio | 14.9615% | 4,344 |
| Memoranda: | ||
| Average total assets | $380,550,500 | 1,734 |
| Average earning assets | $349,738,750 | 1,720 |
| Average equity | $30,985,750 | 2,229 |
| Average total loans | $223,576,000 | 1,881 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1613% | 3,099 |
| Cost of funding earning assets | 0.4224% | 3,630 |
| Net interest margin | 3.7389% | 2,799 |
| Noninterest income to average assets | 1.2784% | 723 |
| Noninterest expense to average assets | 3.6867% | 1,161 |
| Loan and lease loss provision to assets | 0.0945% | 2,449 |
| Net operating income to assets | 0.7253% | 3,698 |
| Return on assets (ROA) | 0.7884% | 3,489 |
| Pretax return on assets | 1.0137% | 3,427 |
| Return on Equity (ROE) | 9.7956% | 2,245 |
| Retained earnings to average equity (ytd only) | 3.2696% | 4,126 |
| Net charge-offs to loans | 0.1176% | 2,490 |
| Credit loss provision to net charge-offs | 137.4046% | 1,550 |
| Earnings coverage of net charge-offs (x) | 14.9313% | 1,885 |
| Efficiency ratio | 77.7939% | 2,322 |
| Assets per employee ($millions) | 3.2882% | 5,274 |
| Cash dividends to net income (ytd only)* | 66.6223% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3766% | 3,464 |
| Loan loss allowance to noncurrent loans | 310.8350% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 4,864 |
| Noncurrent loans to loans | 0.4429% | 4,654 |
| Net loans and leases to total assets | 59.7643% | 3,762 |
| Net loans and leases to deposits | 71.1579% | 3,686 |
| Net loans and leases to core deposits | 72.7764% | 3,972 |
| Total domestic deposits to total assets | 83.9883% | 3,920 |
| Equity capital to assets | 8.3815% | 5,894 |
| Core capital (leverage) ratio | 8.3399% | 5,808 |
| Tier 1 risk-based capital ratio | 13.1897% | 4,793 |
| Total risk-based capital ratio | 14.4400% | 4,721 |
| Memoranda: | ||
| Average total assets | $380,774,000 | 1,729 |
| Average earning assets | $349,886,670 | 1,719 |
| Average equity | $30,646,330 | 2,235 |
| Average total loans | $222,870,330 | 1,879 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 3,582 |
| Cost of funding earning assets | 0.4565% | 3,355 |
| Net interest margin | 3.5697% | 3,394 |
| Noninterest income to average assets | 1.2384% | 718 |
| Noninterest expense to average assets | 3.6223% | 1,269 |
| Loan and lease loss provision to assets | 0.1095% | 2,108 |
| Net operating income to assets | 0.6170% | 4,114 |
| Return on assets (ROA) | 0.7422% | 3,554 |
| Pretax return on assets | 0.9517% | 3,505 |
| Return on Equity (ROE) | 9.4116% | 2,291 |
| Retained earnings to average equity (ytd only) | -3.8069% | 6,043 |
| Net charge-offs to loans | 0.1993% | 1,540 |
| Credit loss provision to net charge-offs | 95.4545% | 1,742 |
| Earnings coverage of net charge-offs (x) | 7.8545% | 2,082 |
| Efficiency ratio | 79.3270% | 2,295 |
| Assets per employee ($millions) | 3.4882% | 4,945 |
| Cash dividends to net income (ytd only)* | 140.4494% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 3,700 |
| Loan loss allowance to noncurrent loans | 2,954.8077% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 5,684 |
| Noncurrent loans to loans | 0.0467% | 6,009 |
| Net loans and leases to total assets | 55.7424% | 4,174 |
| Net loans and leases to deposits | 66.1319% | 4,077 |
| Net loans and leases to core deposits | 68.0012% | 4,308 |
| Total domestic deposits to total assets | 84.2897% | 4,168 |
| Equity capital to assets | 7.6900% | 6,235 |
| Core capital (leverage) ratio | 8.0653% | 6,073 |
| Tier 1 risk-based capital ratio | 13.2427% | 4,868 |
| Total risk-based capital ratio | 14.4935% | 4,801 |
| Memoranda: | ||
| Average total assets | $383,735,500 | 1,726 |
| Average earning assets | $353,087,000 | 1,716 |
| Average equity | $30,260,500 | 2,259 |
| Average total loans | $220,728,500 | 1,893 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3708% | 2,685 |
| Cost of funding earning assets | 0.5031% | 3,576 |
| Net interest margin | 3.8677% | 2,406 |
| Noninterest income to average assets | 1.3220% | 790 |
| Noninterest expense to average assets | 3.9286% | 948 |
| Loan and lease loss provision to assets | 0.1162% | 2,872 |
| Net operating income to assets | 0.7119% | 3,744 |
| Return on assets (ROA) | 0.7870% | 3,461 |
| Pretax return on assets | 0.9062% | 3,743 |
| Return on Equity (ROE) | 9.7653% | 2,212 |
| Retained earnings to average equity (ytd only) | 7.4759% | 1,243 |
| Net charge-offs to loans | 0.0873% | 3,982 |
| Credit loss provision to net charge-offs | 224.5989% | 1,017 |
| Earnings coverage of net charge-offs (x) | 18.0963% | 1,676 |
| Efficiency ratio | 79.5292% | 2,232 |
| Assets per employee ($millions) | 3.3331% | 5,219 |
| Cash dividends to net income (ytd only)* | 23.4446% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 3,619 |
| Loan loss allowance to noncurrent loans | 336.7615% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.3533% | 5,201 |
| Noncurrent loans to loans | 0.4180% | 4,956 |
| Net loans and leases to total assets | 57.7512% | 4,077 |
| Net loans and leases to deposits | 69.3086% | 3,871 |
| Net loans and leases to core deposits | 72.0485% | 4,063 |
| Total domestic deposits to total assets | 83.3248% | 4,419 |
| Equity capital to assets | 8.0925% | 5,944 |
| Core capital (leverage) ratio | 8.4246% | 5,750 |
| Tier 1 risk-based capital ratio | 13.6770% | 4,533 |
| Total risk-based capital ratio | 14.9536% | 4,463 |
| Memoranda: | ||
| Average total assets | $361,505,600 | 1,795 |
| Average earning assets | $331,130,400 | 1,797 |
| Average equity | $29,133,800 | 2,306 |
| Average total loans | $214,240,400 | 1,900 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 2,717 |
| Cost of funding earning assets | 0.5048% | 3,727 |
| Net interest margin | 3.8593% | 2,426 |
| Noninterest income to average assets | 1.3078% | 869 |
| Noninterest expense to average assets | 3.9528% | 901 |
| Loan and lease loss provision to assets | 0.1171% | 2,832 |
| Net operating income to assets | 0.6890% | 3,914 |
| Return on assets (ROA) | 0.6890% | 4,050 |
| Pretax return on assets | 0.7690% | 4,422 |
| Return on Equity (ROE) | 8.5592% | 2,858 |
| Retained earnings to average equity (ytd only) | 5.4783% | 2,732 |
| Net charge-offs to loans | 0.0382% | 4,383 |
| Credit loss provision to net charge-offs | 516.3934% | 538 |
| Earnings coverage of net charge-offs (x) | 39.0662% | 1,022 |
| Efficiency ratio | 80.4426% | 2,035 |
| Assets per employee ($millions) | 3.1207% | 5,637 |
| Cash dividends to net income (ytd only)* | 35.9957% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 3,898 |
| Loan loss allowance to noncurrent loans | 273.2804% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 5,049 |
| Noncurrent loans to loans | 0.5121% | 4,909 |
| Net loans and leases to total assets | 58.7930% | 3,883 |
| Net loans and leases to deposits | 70.5556% | 3,707 |
| Net loans and leases to core deposits | 74.1419% | 3,826 |
| Total domestic deposits to total assets | 83.3285% | 4,448 |
| Equity capital to assets | 7.9120% | 6,207 |
| Core capital (leverage) ratio | 8.3301% | 5,939 |
| Tier 1 risk-based capital ratio | 13.0985% | 5,057 |
| Total risk-based capital ratio | 14.4062% | 4,960 |
| Memoranda: | ||
| Average total assets | $358,555,000 | 1,819 |
| Average earning assets | $328,062,750 | 1,822 |
| Average equity | $28,864,750 | 2,342 |
| Average total loans | $213,133,500 | 1,909 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 2,639 |
| Cost of funding earning assets | 0.5178% | 3,728 |
| Net interest margin | 3.8624% | 2,337 |
| Noninterest income to average assets | 1.3294% | 878 |
| Noninterest expense to average assets | 4.0064% | 857 |
| Loan and lease loss provision to assets | 0.1185% | 2,843 |
| Net operating income to assets | 0.6673% | 3,983 |
| Return on assets (ROA) | 0.6673% | 4,136 |
| Pretax return on assets | 0.7333% | 4,561 |
| Return on Equity (ROE) | 8.2391% | 2,969 |
| Retained earnings to average equity (ytd only) | 3.5898% | 4,034 |
| Net charge-offs to loans | 0.0057% | 4,782 |
| Credit loss provision to net charge-offs | 3,500.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 251.5000% | 209 |
| Efficiency ratio | 81.2108% | 2,001 |
| Assets per employee ($millions) | 2.8751% | 6,062 |
| Cash dividends to net income (ytd only)* | 56.4298% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 4,085 |
| Loan loss allowance to noncurrent loans | 407.0761% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5183% | 4,973 |
| Noncurrent loans to loans | 0.3415% | 5,446 |
| Net loans and leases to total assets | 61.6596% | 3,364 |
| Net loans and leases to deposits | 72.7396% | 3,348 |
| Net loans and leases to core deposits | 75.6662% | 3,583 |
| Total domestic deposits to total assets | 84.7676% | 4,012 |
| Equity capital to assets | 8.1700% | 6,075 |
| Core capital (leverage) ratio | 8.2788% | 5,908 |
| Tier 1 risk-based capital ratio | 12.8092% | 5,282 |
| Total risk-based capital ratio | 14.0968% | 5,188 |
| Memoranda: | ||
| Average total assets | $354,287,000 | 1,840 |
| Average earning assets | $323,682,330 | 1,846 |
| Average equity | $28,692,330 | 2,369 |
| Average total loans | $210,367,330 | 1,932 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2901% | 2,925 |
| Cost of funding earning assets | 0.5326% | 3,748 |
| Net interest margin | 3.7575% | 2,620 |
| Noninterest income to average assets | 1.3549% | 839 |
| Noninterest expense to average assets | 3.9545% | 933 |
| Loan and lease loss provision to assets | 0.1180% | 2,759 |
| Net operating income to assets | 0.6516% | 3,951 |
| Return on assets (ROA) | 0.6516% | 4,107 |
| Pretax return on assets | 0.7145% | 4,512 |
| Return on Equity (ROE) | 8.0808% | 2,932 |
| Retained earnings to average equity (ytd only) | -1.2121% | 5,976 |
| Net charge-offs to loans | 0.0117% | 3,912 |
| Credit loss provision to net charge-offs | 1,750.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 123.5000% | 311 |
| Efficiency ratio | 81.3424% | 2,142 |
| Assets per employee ($millions) | 2.9476% | 6,075 |
| Cash dividends to net income (ytd only)* | 115.0000% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 4,150 |
| Loan loss allowance to noncurrent loans | 347.1698% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 4,746 |
| Noncurrent loans to loans | 0.4083% | 5,395 |
| Net loans and leases to total assets | 56.0200% | 4,073 |
| Net loans and leases to deposits | 65.6848% | 4,098 |
| Net loans and leases to core deposits | 68.4077% | 4,251 |
| Total domestic deposits to total assets | 85.2861% | 3,909 |
| Equity capital to assets | 7.8442% | 6,452 |
| Core capital (leverage) ratio | 8.0418% | 6,103 |
| Tier 1 risk-based capital ratio | 13.3439% | 4,981 |
| Total risk-based capital ratio | 14.6127% | 4,915 |
| Memoranda: | ||
| Average total assets | $356,051,500 | 1,858 |
| Average earning assets | $325,217,000 | 1,858 |
| Average equity | $28,710,000 | 2,404 |
| Average total loans | $205,888,500 | 1,973 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7054% | 2,573 |
| Cost of funding earning assets | 0.6512% | 3,903 |
| Net interest margin | 4.0542% | 2,172 |
| Noninterest income to average assets | 1.6049% | 618 |
| Noninterest expense to average assets | 4.4778% | 590 |
| Loan and lease loss provision to assets | 0.1377% | 3,893 |
| Net operating income to assets | 0.5331% | 4,552 |
| Return on assets (ROA) | 0.6188% | 4,413 |
| Pretax return on assets | 0.7540% | 4,465 |
| Return on Equity (ROE) | 7.1948% | 3,531 |
| Retained earnings to average equity (ytd only) | 5.7990% | 2,200 |
| Net charge-offs to loans | 0.3624% | 2,824 |
| Credit loss provision to net charge-offs | 63.5714% | 4,355 |
| Earnings coverage of net charge-offs (x) | 3.6343% | 3,650 |
| Efficiency ratio | 83.7565% | 1,660 |
| Assets per employee ($millions) | 2.8179% | 6,288 |
| Cash dividends to net income (ytd only)* | 19.4000% | 3,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 4,198 |
| Loan loss allowance to noncurrent loans | 11,380.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 5,236 |
| Noncurrent loans to loans | 0.0123% | 6,521 |
| Net loans and leases to total assets | 58.0592% | 3,967 |
| Net loans and leases to deposits | 68.8434% | 3,855 |
| Net loans and leases to core deposits | 71.9565% | 4,048 |
| Total domestic deposits to total assets | 84.3352% | 4,167 |
| Equity capital to assets | 8.2946% | 6,204 |
| Core capital (leverage) ratio | 8.5390% | 5,556 |
| Tier 1 risk-based capital ratio | 13.8118% | 4,526 |
| Total risk-based capital ratio | 15.0630% | 4,476 |
| Memoranda: | ||
| Average total assets | $323,194,400 | 1,993 |
| Average earning assets | $291,772,200 | 2,030 |
| Average equity | $27,798,000 | 2,415 |
| Average total loans | $193,164,600 | 2,067 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7224% | 2,698 |
| Cost of funding earning assets | 0.6712% | 4,009 |
| Net interest margin | 4.0513% | 2,287 |
| Noninterest income to average assets | 1.6453% | 558 |
| Noninterest expense to average assets | 4.6338% | 485 |
| Loan and lease loss provision to assets | 0.1323% | 3,891 |
| Net operating income to assets | 0.4458% | 5,053 |
| Return on assets (ROA) | 0.5651% | 4,817 |
| Pretax return on assets | 0.6731% | 4,945 |
| Return on Equity (ROE) | 6.5068% | 4,060 |
| Retained earnings to average equity (ytd only) | 4.6297% | 3,642 |
| Net charge-offs to loans | 0.4691% | 2,227 |
| Credit loss provision to net charge-offs | 47.0149% | 4,469 |
| Earnings coverage of net charge-offs (x) | 2.3567% | 4,100 |
| Efficiency ratio | 86.1596% | 1,364 |
| Assets per employee ($millions) | 2.7174% | 6,469 |
| Cash dividends to net income (ytd only)* | 28.8475% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 4,551 |
| Loan loss allowance to noncurrent loans | 409.7015% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 4,808 |
| Noncurrent loans to loans | 0.3312% | 5,810 |
| Net loans and leases to total assets | 60.1923% | 3,746 |
| Net loans and leases to deposits | 71.7343% | 3,651 |
| Net loans and leases to core deposits | 75.5327% | 3,786 |
| Total domestic deposits to total assets | 83.9101% | 4,266 |
| Equity capital to assets | 8.4095% | 6,340 |
| Core capital (leverage) ratio | 8.8993% | 5,198 |
| Tier 1 risk-based capital ratio | 13.8235% | 4,677 |
| Total risk-based capital ratio | 15.0747% | 4,630 |
| Memoranda: | ||
| Average total assets | $317,343,500 | 2,049 |
| Average earning assets | $286,059,500 | 2,093 |
| Average equity | $27,560,250 | 2,452 |
| Average total loans | $190,436,500 | 2,113 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7547% | 2,701 |
| Cost of funding earning assets | 0.6893% | 4,099 |
| Net interest margin | 4.0654% | 2,230 |
| Noninterest income to average assets | 1.7613% | 495 |
| Noninterest expense to average assets | 4.8001% | 427 |
| Loan and lease loss provision to assets | 0.1343% | 3,849 |
| Net operating income to assets | 0.4053% | 5,196 |
| Return on assets (ROA) | 0.5847% | 4,693 |
| Pretax return on assets | 0.7031% | 4,824 |
| Return on Equity (ROE) | 6.6584% | 3,959 |
| Retained earnings to average equity (ytd only) | 3.8319% | 4,064 |
| Net charge-offs to loans | 0.4290% | 2,325 |
| Credit loss provision to net charge-offs | 52.5000% | 3,984 |
| Earnings coverage of net charge-offs (x) | 2.4275% | 3,787 |
| Efficiency ratio | 87.2197% | 1,317 |
| Assets per employee ($millions) | 2.5592% | 6,706 |
| Cash dividends to net income (ytd only)* | 42.4508% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 4,014 |
| Loan loss allowance to noncurrent loans | 90.8807% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.6558% | 3,236 |
| Noncurrent loans to loans | 1.6492% | 3,431 |
| Net loans and leases to total assets | 60.7558% | 3,668 |
| Net loans and leases to deposits | 73.5813% | 3,361 |
| Net loans and leases to core deposits | 76.5437% | 3,711 |
| Total domestic deposits to total assets | 82.5696% | 4,924 |
| Equity capital to assets | 8.7408% | 5,979 |
| Core capital (leverage) ratio | 8.7528% | 5,291 |
| Tier 1 risk-based capital ratio | 14.1674% | 4,327 |
| Total risk-based capital ratio | 15.4200% | 4,289 |
| Memoranda: | ||
| Average total assets | $312,618,330 | 2,074 |
| Average earning assets | $281,446,000 | 2,114 |
| Average equity | $27,454,000 | 2,451 |
| Average total loans | $186,484,000 | 2,144 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7353% | 2,912 |
| Cost of funding earning assets | 0.7019% | 4,267 |
| Net interest margin | 4.0333% | 2,359 |
| Noninterest income to average assets | 1.8861% | 453 |
| Noninterest expense to average assets | 4.4206% | 587 |
| Loan and lease loss provision to assets | 0.1348% | 3,662 |
| Net operating income to assets | 0.7537% | 3,603 |
| Return on assets (ROA) | 0.7537% | 3,842 |
| Pretax return on assets | 0.9604% | 3,828 |
| Return on Equity (ROE) | 8.5618% | 3,020 |
| Retained earnings to average equity (ytd only) | 2.9026% | 4,800 |
| Net charge-offs to loans | -0.0854% | 6,733 |
| Credit loss provision to net charge-offs | -269.2308% | 5,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8408% | 2,374 |
| Assets per employee ($millions) | 2.5245% | 6,829 |
| Cash dividends to net income (ytd only)* | 66.0988% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 3,115 |
| Loan loss allowance to noncurrent loans | 499.0769% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.9359% | 4,640 |
| Noncurrent loans to loans | 0.3530% | 5,968 |
| Net loans and leases to total assets | 56.8733% | 4,235 |
| Net loans and leases to deposits | 68.8931% | 3,894 |
| Net loans and leases to core deposits | 72.0550% | 4,146 |
| Total domestic deposits to total assets | 82.5529% | 5,102 |
| Equity capital to assets | 8.6467% | 5,936 |
| Core capital (leverage) ratio | 8.5430% | 5,519 |
| Tier 1 risk-based capital ratio | 14.5760% | 4,043 |
| Total risk-based capital ratio | 15.8318% | 3,996 |
| Memoranda: | ||
| Average total assets | $311,538,500 | 2,082 |
| Average earning assets | $280,363,000 | 2,129 |
| Average equity | $27,424,000 | 2,439 |
| Average total loans | $182,648,000 | 2,201 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8192% | 3,717 |
| Cost of funding earning assets | 0.8087% | 4,804 |
| Net interest margin | 4.0106% | 2,833 |
| Noninterest income to average assets | 1.5884% | 537 |
| Noninterest expense to average assets | 4.3724% | 674 |
| Loan and lease loss provision to assets | 0.3262% | 3,076 |
| Net operating income to assets | 0.4110% | 4,813 |
| Return on assets (ROA) | 0.5146% | 4,568 |
| Pretax return on assets | 0.6303% | 4,594 |
| Return on Equity (ROE) | 5.8834% | 3,928 |
| Retained earnings to average equity (ytd only) | 5.8834% | 2,088 |
| Net charge-offs to loans | 0.3691% | 3,560 |
| Credit loss provision to net charge-offs | 153.9906% | 1,824 |
| Earnings coverage of net charge-offs (x) | 3.9186% | 3,337 |
| Efficiency ratio | 82.6472% | 1,933 |
| Assets per employee ($millions) | 2.4399% | 6,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 3,160 |
| Loan loss allowance to noncurrent loans | 268.8638% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 1.1512% | 4,315 |
| Noncurrent loans to loans | 0.6365% | 5,444 |
| Net loans and leases to total assets | 58.3775% | 4,302 |
| Net loans and leases to deposits | 71.3730% | 3,889 |
| Net loans and leases to core deposits | 75.2461% | 4,073 |
| Total domestic deposits to total assets | 81.7921% | 5,194 |
| Equity capital to assets | 8.9656% | 5,583 |
| Core capital (leverage) ratio | 9.0858% | 4,642 |
| Tier 1 risk-based capital ratio | 14.8401% | 3,732 |
| Total risk-based capital ratio | 16.0957% | 3,706 |
| Memoranda: | ||
| Average total assets | $301,618,200 | 2,124 |
| Average earning assets | $271,807,600 | 2,155 |
| Average equity | $26,379,400 | 2,448 |
| Average total loans | $173,128,800 | 2,343 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8246% | 3,915 |
| Cost of funding earning assets | 0.8335% | 4,913 |
| Net interest margin | 3.9910% | 2,950 |
| Noninterest income to average assets | 1.5785% | 531 |
| Noninterest expense to average assets | 4.3717% | 657 |
| Loan and lease loss provision to assets | 0.3458% | 2,803 |
| Net operating income to assets | 0.3718% | 5,123 |
| Return on assets (ROA) | 0.5071% | 4,703 |
| Pretax return on assets | 0.6259% | 4,724 |
| Return on Equity (ROE) | 5.8355% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.8355% | 2,647 |
| Net charge-offs to loans | 0.4924% | 2,779 |
| Credit loss provision to net charge-offs | 123.4177% | 2,611 |
| Earnings coverage of net charge-offs (x) | 2.8718% | 3,704 |
| Efficiency ratio | 83.0522% | 1,843 |
| Assets per employee ($millions) | 2.3823% | 7,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 3,699 |
| Loan loss allowance to noncurrent loans | 67.7322% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 2.2698% | 2,821 |
| Noncurrent loans to loans | 2.3522% | 2,951 |
| Net loans and leases to total assets | 61.1938% | 3,902 |
| Net loans and leases to deposits | 75.5400% | 3,404 |
| Net loans and leases to core deposits | 79.1135% | 3,757 |
| Total domestic deposits to total assets | 81.0085% | 5,431 |
| Equity capital to assets | 9.2137% | 5,492 |
| Core capital (leverage) ratio | 8.8995% | 5,105 |
| Tier 1 risk-based capital ratio | 14.4910% | 3,984 |
| Total risk-based capital ratio | 15.7452% | 3,955 |
| Memoranda: | ||
| Average total assets | $300,775,500 | 2,137 |
| Average earning assets | $271,134,000 | 2,166 |
| Average equity | $26,138,250 | 2,465 |
| Average total loans | $171,124,750 | 2,378 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8139% | 4,036 |
| Cost of funding earning assets | 0.8520% | 5,051 |
| Net interest margin | 3.9619% | 3,027 |
| Noninterest income to average assets | 1.6673% | 481 |
| Noninterest expense to average assets | 4.3038% | 744 |
| Loan and lease loss provision to assets | 0.1978% | 3,953 |
| Net operating income to assets | 0.5604% | 4,264 |
| Return on assets (ROA) | 0.6711% | 3,802 |
| Pretax return on assets | 0.8861% | 3,676 |
| Return on Equity (ROE) | 7.8757% | 2,994 |
| Retained earnings to average equity (ytd only) | 7.8757% | 1,497 |
| Net charge-offs to loans | 0.1720% | 4,144 |
| Credit loss provision to net charge-offs | 208.3333% | 1,441 |
| Earnings coverage of net charge-offs (x) | 9.8819% | 1,872 |
| Efficiency ratio | 80.7446% | 2,270 |
| Assets per employee ($millions) | 2.4445% | 6,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 3,496 |
| Loan loss allowance to noncurrent loans | 770.1058% | 465 |
| Noncurrent assets plus other real estate owned to assets | 1.0965% | 4,696 |
| Noncurrent loans to loans | 0.2142% | 6,477 |
| Net loans and leases to total assets | 57.7245% | 4,683 |
| Net loans and leases to deposits | 71.2594% | 4,243 |
| Net loans and leases to core deposits | 74.6314% | 4,490 |
| Total domestic deposits to total assets | 81.0063% | 5,526 |
| Equity capital to assets | 8.8756% | 5,737 |
| Core capital (leverage) ratio | 8.5409% | 5,490 |
| Tier 1 risk-based capital ratio | 14.7628% | 3,639 |
| Total risk-based capital ratio | 16.0176% | 3,601 |
| Memoranda: | ||
| Average total assets | $303,360,670 | 2,124 |
| Average earning assets | $273,707,330 | 2,152 |
| Average equity | $25,851,670 | 2,483 |
| Average total loans | $167,428,670 | 2,439 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5941% | 4,970 |
| Cost of funding earning assets | 0.8686% | 5,148 |
| Net interest margin | 3.7255% | 3,969 |
| Noninterest income to average assets | 1.5543% | 541 |
| Noninterest expense to average assets | 4.1129% | 907 |
| Loan and lease loss provision to assets | 0.1969% | 3,659 |
| Net operating income to assets | 0.4814% | 4,567 |
| Return on assets (ROA) | 0.5146% | 4,516 |
| Pretax return on assets | 0.6538% | 4,478 |
| Return on Equity (ROE) | 6.1650% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.1650% | 2,544 |
| Net charge-offs to loans | 0.0835% | 4,116 |
| Credit loss provision to net charge-offs | 441.1765% | 793 |
| Earnings coverage of net charge-offs (x) | 18.1176% | 1,196 |
| Efficiency ratio | 82.1819% | 2,197 |
| Assets per employee ($millions) | 2.5491% | 6,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 3,316 |
| Loan loss allowance to noncurrent loans | 327.7397% | 939 |
| Noncurrent assets plus other real estate owned to assets | 1.2952% | 4,375 |
| Noncurrent loans to loans | 0.5209% | 5,984 |
| Net loans and leases to total assets | 52.7231% | 5,495 |
| Net loans and leases to deposits | 64.1736% | 5,231 |
| Net loans and leases to core deposits | 67.1462% | 5,393 |
| Total domestic deposits to total assets | 82.1570% | 5,248 |
| Equity capital to assets | 8.1766% | 6,311 |
| Core capital (leverage) ratio | 8.3208% | 5,772 |
| Tier 1 risk-based capital ratio | 15.0693% | 3,388 |
| Total risk-based capital ratio | 16.3243% | 3,345 |
| Memoranda: | ||
| Average total assets | $304,702,000 | 2,123 |
| Average earning assets | $275,397,000 | 2,155 |
| Average equity | $25,434,000 | 2,503 |
| Average total loans | $162,905,000 | 2,522 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 5,197 |
| Cost of funding earning assets | 1.0799% | 5,255 |
| Net interest margin | 3.7808% | 4,025 |
| Noninterest income to average assets | 1.4973% | 648 |
| Noninterest expense to average assets | 4.0561% | 1,081 |
| Loan and lease loss provision to assets | 0.2014% | 5,225 |
| Net operating income to assets | 0.4797% | 4,194 |
| Return on assets (ROA) | 0.6144% | 3,778 |
| Pretax return on assets | 0.8171% | 3,581 |
| Return on Equity (ROE) | 7.2921% | 2,986 |
| Retained earnings to average equity (ytd only) | 5.8257% | 1,922 |
| Net charge-offs to loans | 0.2366% | 4,865 |
| Credit loss provision to net charge-offs | 158.7302% | 2,213 |
| Earnings coverage of net charge-offs (x) | 6.6111% | 2,323 |
| Efficiency ratio | 81.4347% | 2,231 |
| Assets per employee ($millions) | 2.3669% | 7,157 |
| Cash dividends to net income (ytd only)* | 20.1093% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 3,040 |
| Loan loss allowance to noncurrent loans | 1,473.2620% | 267 |
| Noncurrent assets plus other real estate owned to assets | 1.1745% | 4,661 |
| Noncurrent loans to loans | 0.1186% | 6,844 |
| Net loans and leases to total assets | 52.3470% | 5,868 |
| Net loans and leases to deposits | 64.3879% | 5,584 |
| Net loans and leases to core deposits | 67.3254% | 5,739 |
| Total domestic deposits to total assets | 81.2995% | 5,418 |
| Equity capital to assets | 8.5279% | 5,814 |
| Core capital (leverage) ratio | 8.5037% | 5,356 |
| Tier 1 risk-based capital ratio | 15.5848% | 2,959 |
| Total risk-based capital ratio | 16.8404% | 2,920 |
| Memoranda: | ||
| Average total assets | $297,871,600 | 2,162 |
| Average earning assets | $267,697,800 | 2,197 |
| Average equity | $25,095,800 | 2,542 |
| Average total loans | $159,738,200 | 2,621 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8949% | 5,291 |
| Cost of funding earning assets | 1.1145% | 5,352 |
| Net interest margin | 3.7804% | 4,056 |
| Noninterest income to average assets | 1.5207% | 591 |
| Noninterest expense to average assets | 4.0007% | 1,042 |
| Loan and lease loss provision to assets | 0.2011% | 5,040 |
| Net operating income to assets | 0.5247% | 4,203 |
| Return on assets (ROA) | 0.7016% | 3,562 |
| Pretax return on assets | 0.9518% | 3,358 |
| Return on Equity (ROE) | 8.3524% | 2,770 |
| Retained earnings to average equity (ytd only) | 6.3947% | 2,139 |
| Net charge-offs to loans | -0.0158% | 7,324 |
| Credit loss provision to net charge-offs | -2,368.4211% | 7,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9873% | 2,338 |
| Assets per employee ($millions) | 2.5203% | 7,063 |
| Cash dividends to net income (ytd only)* | 23.4393% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8627% | 2,591 |
| Loan loss allowance to noncurrent loans | 590.9449% | 537 |
| Noncurrent assets plus other real estate owned to assets | 1.1629% | 4,794 |
| Noncurrent loans to loans | 0.3152% | 6,565 |
| Net loans and leases to total assets | 51.0220% | 6,216 |
| Net loans and leases to deposits | 62.1982% | 6,101 |
| Net loans and leases to core deposits | 64.4411% | 6,261 |
| Total domestic deposits to total assets | 82.0313% | 4,977 |
| Equity capital to assets | 8.3266% | 6,474 |
| Core capital (leverage) ratio | 8.2915% | 5,885 |
| Tier 1 risk-based capital ratio | 15.3392% | 3,079 |
| Total risk-based capital ratio | 16.5964% | 3,038 |
| Memoranda: | ||
| Average total assets | $298,373,500 | 2,195 |
| Average earning assets | $267,863,000 | 2,234 |
| Average equity | $25,062,000 | 2,580 |
| Average total loans | $160,265,000 | 2,653 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0635% | 4,646 |
| Cost of funding earning assets | 1.1636% | 5,322 |
| Net interest margin | 3.8998% | 3,451 |
| Noninterest income to average assets | 1.6231% | 496 |
| Noninterest expense to average assets | 4.0000% | 1,050 |
| Loan and lease loss provision to assets | 0.2037% | 4,836 |
| Net operating income to assets | 0.6457% | 3,643 |
| Return on assets (ROA) | 0.9073% | 2,641 |
| Pretax return on assets | 1.2672% | 2,195 |
| Return on Equity (ROE) | 10.7690% | 1,829 |
| Retained earnings to average equity (ytd only) | 7.8027% | 1,508 |
| Net charge-offs to loans | -0.0950% | 7,548 |
| Credit loss provision to net charge-offs | -394.7368% | 6,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9313% | 2,901 |
| Assets per employee ($millions) | 2.4455% | 7,169 |
| Cash dividends to net income (ytd only)* | 27.5449% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8270% | 2,643 |
| Loan loss allowance to noncurrent loans | 639.3407% | 517 |
| Noncurrent assets plus other real estate owned to assets | 1.3940% | 4,387 |
| Noncurrent loans to loans | 0.2858% | 6,661 |
| Net loans and leases to total assets | 52.8271% | 6,129 |
| Net loans and leases to deposits | 64.9574% | 5,919 |
| Net loans and leases to core deposits | 67.7913% | 6,073 |
| Total domestic deposits to total assets | 81.3258% | 5,281 |
| Equity capital to assets | 8.6565% | 5,934 |
| Core capital (leverage) ratio | 8.3838% | 5,605 |
| Tier 1 risk-based capital ratio | 15.4739% | 2,907 |
| Total risk-based capital ratio | 16.7309% | 2,872 |
| Memoranda: | ||
| Average total assets | $294,500,000 | 2,237 |
| Average earning assets | $263,139,670 | 2,277 |
| Average equity | $24,812,000 | 2,609 |
| Average total loans | $159,964,330 | 2,699 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0118% | 4,966 |
| Cost of funding earning assets | 1.2011% | 5,399 |
| Net interest margin | 3.8107% | 3,754 |
| Noninterest income to average assets | 1.6937% | 443 |
| Noninterest expense to average assets | 3.9633% | 1,084 |
| Loan and lease loss provision to assets | 0.2042% | 4,459 |
| Net operating income to assets | 0.6630% | 3,600 |
| Return on assets (ROA) | 0.5718% | 4,167 |
| Pretax return on assets | 0.7992% | 3,867 |
| Return on Equity (ROE) | 6.8823% | 3,405 |
| Retained earnings to average equity (ytd only) | 0.8521% | 5,472 |
| Net charge-offs to loans | 0.1173% | 4,271 |
| Credit loss provision to net charge-offs | 319.1489% | 1,247 |
| Earnings coverage of net charge-offs (x) | 17.6596% | 1,268 |
| Efficiency ratio | 76.4234% | 3,144 |
| Assets per employee ($millions) | 2.5858% | 7,071 |
| Cash dividends to net income (ytd only)* | 87.6190% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6417% | 3,285 |
| Loan loss allowance to noncurrent loans | 124.7515% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 1.9942% | 3,511 |
| Noncurrent loans to loans | 1.3160% | 4,780 |
| Net loans and leases to total assets | 53.1095% | 6,140 |
| Net loans and leases to deposits | 65.0824% | 5,929 |
| Net loans and leases to core deposits | 67.6811% | 6,130 |
| Total domestic deposits to total assets | 81.6034% | 5,234 |
| Equity capital to assets | 8.3056% | 6,294 |
| Core capital (leverage) ratio | 8.1124% | 6,053 |
| Tier 1 risk-based capital ratio | 14.2724% | 3,502 |
| Total risk-based capital ratio | 15.5263% | 3,466 |
| Memoranda: | ||
| Average total assets | $293,797,500 | 2,283 |
| Average earning assets | $262,102,500 | 2,338 |
| Average equity | $24,410,500 | 2,680 |
| Average total loans | $160,333,000 | 2,756 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5198% | 4,036 |
| Cost of funding earning assets | 1.4923% | 5,540 |
| Net interest margin | 4.0275% | 2,753 |
| Noninterest income to average assets | 1.7712% | 473 |
| Noninterest expense to average assets | 4.3859% | 888 |
| Loan and lease loss provision to assets | 0.1950% | 5,787 |
| Net operating income to assets | 0.6164% | 3,271 |
| Return on assets (ROA) | 0.6879% | 3,048 |
| Pretax return on assets | 0.8909% | 2,955 |
| Return on Equity (ROE) | 8.1382% | 2,315 |
| Retained earnings to average equity (ytd only) | 5.6550% | 1,496 |
| Net charge-offs to loans | 0.2473% | 5,078 |
| Credit loss provision to net charge-offs | 141.4248% | 3,423 |
| Earnings coverage of net charge-offs (x) | 7.2032% | 2,198 |
| Efficiency ratio | 80.1312% | 2,866 |
| Assets per employee ($millions) | 2.5684% | 7,090 |
| Cash dividends to net income (ytd only)* | 30.5130% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5821% | 3,354 |
| Loan loss allowance to noncurrent loans | 166.5352% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 1.8444% | 3,605 |
| Noncurrent loans to loans | 0.9500% | 5,409 |
| Net loans and leases to total assets | 54.2907% | 6,171 |
| Net loans and leases to deposits | 66.7491% | 5,974 |
| Net loans and leases to core deposits | 76.7281% | 6,356 |
| Total domestic deposits to total assets | 81.3355% | 5,219 |
| Equity capital to assets | 8.3117% | 6,181 |
| Core capital (leverage) ratio | 8.3621% | 5,516 |
| Tier 1 risk-based capital ratio | 14.1242% | 3,424 |
| Total risk-based capital ratio | 15.3776% | 3,380 |
| Memoranda: | ||
| Average total assets | $274,905,600 | 2,382 |
| Average earning assets | $246,258,000 | 2,439 |
| Average equity | $23,236,200 | 2,804 |
| Average total loans | $153,284,000 | 2,872 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5385% | 4,221 |
| Cost of funding earning assets | 1.5371% | 5,683 |
| Net interest margin | 4.0015% | 2,817 |
| Noninterest income to average assets | 1.8120% | 450 |
| Noninterest expense to average assets | 4.5521% | 697 |
| Loan and lease loss provision to assets | 0.1899% | 5,477 |
| Net operating income to assets | 0.5552% | 3,767 |
| Return on assets (ROA) | 0.5691% | 3,796 |
| Pretax return on assets | 0.6822% | 3,921 |
| Return on Equity (ROE) | 6.7029% | 3,218 |
| Retained earnings to average equity (ytd only) | 4.7389% | 2,636 |
| Net charge-offs to loans | 0.2938% | 4,189 |
| Credit loss provision to net charge-offs | 115.5689% | 4,393 |
| Earnings coverage of net charge-offs (x) | 5.2066% | 2,895 |
| Efficiency ratio | 82.7633% | 2,465 |
| Assets per employee ($millions) | 2.4568% | 7,295 |
| Cash dividends to net income (ytd only)* | 29.3000% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 3,215 |
| Loan loss allowance to noncurrent loans | 159.1088% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 1.9426% | 3,431 |
| Noncurrent loans to loans | 0.9704% | 5,358 |
| Net loans and leases to total assets | 55.7678% | 6,166 |
| Net loans and leases to deposits | 69.2569% | 6,003 |
| Net loans and leases to core deposits | 80.3228% | 6,325 |
| Total domestic deposits to total assets | 80.5231% | 5,237 |
| Equity capital to assets | 8.5869% | 6,131 |
| Core capital (leverage) ratio | 8.4474% | 5,582 |
| Tier 1 risk-based capital ratio | 13.8412% | 3,636 |
| Total risk-based capital ratio | 15.0937% | 3,589 |
| Memoranda: | ||
| Average total assets | $271,074,500 | 2,415 |
| Average earning assets | $243,571,750 | 2,481 |
| Average equity | $23,014,500 | 2,852 |
| Average total loans | $151,579,750 | 2,919 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5428% | 4,371 |
| Cost of funding earning assets | 1.5640% | 5,863 |
| Net interest margin | 3.9788% | 2,794 |
| Noninterest income to average assets | 1.8022% | 451 |
| Noninterest expense to average assets | 4.6569% | 665 |
| Loan and lease loss provision to assets | 0.1822% | 5,216 |
| Net operating income to assets | 0.5058% | 4,067 |
| Return on assets (ROA) | 0.5058% | 4,188 |
| Pretax return on assets | 0.5489% | 4,474 |
| Return on Equity (ROE) | 5.9807% | 3,657 |
| Retained earnings to average equity (ytd only) | 4.2569% | 2,931 |
| Net charge-offs to loans | 0.1483% | 4,709 |
| Credit loss provision to net charge-offs | 220.7207% | 2,083 |
| Earnings coverage of net charge-offs (x) | 8.8559% | 2,213 |
| Efficiency ratio | 84.9945% | 2,360 |
| Assets per employee ($millions) | 2.3962% | 7,434 |
| Cash dividends to net income (ytd only)* | 28.8235% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6637% | 2,476 |
| Loan loss allowance to noncurrent loans | 1,559.0062% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.9688% | 5,038 |
| Noncurrent loans to loans | 0.1067% | 7,258 |
| Net loans and leases to total assets | 55.2798% | 6,303 |
| Net loans and leases to deposits | 67.0286% | 6,288 |
| Net loans and leases to core deposits | 77.3867% | 6,584 |
| Total domestic deposits to total assets | 82.4720% | 4,497 |
| Equity capital to assets | 8.4685% | 6,094 |
| Core capital (leverage) ratio | 8.4118% | 5,598 |
| Tier 1 risk-based capital ratio | 14.0340% | 3,499 |
| Total risk-based capital ratio | 15.2877% | 3,440 |
| Memoranda: | ||
| Average total assets | $268,892,330 | 2,452 |
| Average earning assets | $242,334,000 | 2,501 |
| Average equity | $22,739,670 | 2,885 |
| Average total loans | $149,689,330 | 2,992 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5416% | 4,681 |
| Cost of funding earning assets | 1.6185% | 5,953 |
| Net interest margin | 3.9230% | 2,961 |
| Noninterest income to average assets | 1.8086% | 418 |
| Noninterest expense to average assets | 4.3202% | 838 |
| Loan and lease loss provision to assets | 0.2764% | 3,746 |
| Net operating income to assets | 0.5841% | 4,086 |
| Return on assets (ROA) | 0.5841% | 4,278 |
| Pretax return on assets | 0.7564% | 4,229 |
| Return on Equity (ROE) | 6.9111% | 3,629 |
| Retained earnings to average equity (ytd only) | 6.9111% | 2,245 |
| Net charge-offs to loans | 0.3380% | 2,737 |
| Credit loss provision to net charge-offs | 147.6190% | 2,820 |
| Earnings coverage of net charge-offs (x) | 5.5159% | 2,660 |
| Efficiency ratio | 79.2615% | 2,951 |
| Assets per employee ($millions) | 2.2835% | 7,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6326% | 2,389 |
| Loan loss allowance to noncurrent loans | 107.2655% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.9134% | 4,909 |
| Noncurrent loans to loans | 1.5220% | 4,001 |
| Net loans and leases to total assets | 54.0131% | 6,463 |
| Net loans and leases to deposits | 65.2906% | 6,440 |
| Net loans and leases to core deposits | 75.6810% | 6,698 |
| Total domestic deposits to total assets | 82.7272% | 4,274 |
| Equity capital to assets | 8.4958% | 6,079 |
| Core capital (leverage) ratio | 8.3807% | 5,756 |
| Tier 1 risk-based capital ratio | 14.2005% | 3,475 |
| Total risk-based capital ratio | 15.4538% | 3,409 |
| Memoranda: | ||
| Average total assets | $269,153,000 | 2,472 |
| Average earning assets | $243,181,000 | 2,508 |
| Average equity | $22,746,000 | 2,896 |
| Average total loans | $149,101,500 | 3,019 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0969% | 5,062 |
| Cost of funding earning assets | 2.2204% | 5,508 |
| Net interest margin | 3.8765% | 3,672 |
| Noninterest income to average assets | 2.0524% | 332 |
| Noninterest expense to average assets | 4.7912% | 717 |
| Loan and lease loss provision to assets | 0.3034% | 3,946 |
| Net operating income to assets | 0.5249% | 4,630 |
| Return on assets (ROA) | -0.4414% | 6,750 |
| Pretax return on assets | -1.0299% | 7,014 |
| Return on Equity (ROE) | -5.0247% | 6,871 |
| Retained earnings to average equity (ytd only) | -10.7779% | 7,142 |
| Net charge-offs to loans | 0.6343% | 1,939 |
| Credit loss provision to net charge-offs | 97.2877% | 5,468 |
| Earnings coverage of net charge-offs (x) | 2.5118% | 4,817 |
| Efficiency ratio | 84.4484% | 2,014 |
| Assets per employee ($millions) | 2.2031% | 7,704 |
| Cash dividends to net income (ytd only)* | -114.5000% | 8,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5947% | 2,268 |
| Loan loss allowance to noncurrent loans | 86.9693% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.1040% | 4,070 |
| Noncurrent loans to loans | 1.8336% | 3,011 |
| Net loans and leases to total assets | 55.0017% | 6,547 |
| Net loans and leases to deposits | 68.2253% | 6,440 |
| Net loans and leases to core deposits | 78.9042% | 6,693 |
| Total domestic deposits to total assets | 80.6176% | 4,800 |
| Equity capital to assets | 8.4052% | 6,243 |
| Core capital (leverage) ratio | 8.3890% | 5,790 |
| Tier 1 risk-based capital ratio | 13.7971% | 3,647 |
| Total risk-based capital ratio | 15.0497% | 3,566 |
| Memoranda: | ||
| Average total assets | $271,875,200 | 2,369 |
| Average earning assets | $247,028,000 | 2,396 |
| Average equity | $23,882,200 | 2,742 |
| Average total loans | $133,681,200 | 3,204 |