Home > STC Capital Bank > Performance and Condition Ratios
STC Capital Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8253% | 2,046 |
| Cost of funding earning assets | 0.7798% | 2,817 |
| Net interest margin | 4.0456% | 1,784 |
| Noninterest income to average assets | 0.3091% | 3,897 |
| Noninterest expense to average assets | 3.1420% | 1,604 |
| Loan and lease loss provision to assets | 0.4634% | 265 |
| Net operating income to assets | 0.5268% | 4,454 |
| Return on assets (ROA) | 0.5268% | 4,506 |
| Pretax return on assets | 0.5173% | 4,676 |
| Return on Equity (ROE) | 4.7432% | 4,404 |
| Retained earnings to average equity (ytd only) | 1.1464% | 4,530 |
| Net charge-offs to loans | 0.8979% | 166 |
| Credit loss provision to net charge-offs | 69.6697% | 2,625 |
| Earnings coverage of net charge-offs (x) | 1.4745% | 3,284 |
| Efficiency ratio | 76.2112% | 1,307 |
| Assets per employee ($millions) | 5.2071% | 2,333 |
| Cash dividends to net income (ytd only)* | 75.8295% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,511 |
| Loan loss allowance to noncurrent loans | 142.0261% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 1.5815% | 665 |
| Noncurrent loans to loans | 0.8444% | 1,892 |
| Net loans and leases to total assets | 74.7368% | 1,686 |
| Net loans and leases to deposits | 86.0098% | 2,185 |
| Net loans and leases to core deposits | 100.4726% | 1,626 |
| Total domestic deposits to total assets | 86.8933% | 1,576 |
| Equity capital to assets | 12.6112% | 1,832 |
| Core capital (leverage) ratio | 11.8284% | 1,978 |
| Tier 1 risk-based capital ratio | 15.6389% | 2,585 |
| Total risk-based capital ratio | 16.7732% | 2,572 |
| Memoranda: | ||
| Average total assets | $267,001,000 | 2,364 |
| Average earning assets | $251,693,750 | 2,347 |
| Average equity | $29,656,000 | 2,429 |
| Average total loans | $197,790,500 | 2,201 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8222% | 1,991 |
| Cost of funding earning assets | 0.7288% | 3,002 |
| Net interest margin | 4.0935% | 1,627 |
| Noninterest income to average assets | 0.3187% | 3,795 |
| Noninterest expense to average assets | 3.1974% | 1,512 |
| Loan and lease loss provision to assets | 0.7554% | 139 |
| Net operating income to assets | 0.2426% | 4,947 |
| Return on assets (ROA) | 0.2426% | 4,960 |
| Pretax return on assets | 0.2426% | 4,987 |
| Return on Equity (ROE) | 2.2733% | 4,906 |
| Retained earnings to average equity (ytd only) | -3.1555% | 4,978 |
| Net charge-offs to loans | 1.3102% | 93 |
| Credit loss provision to net charge-offs | 78.3033% | 2,240 |
| Earnings coverage of net charge-offs (x) | 1.0345% | 3,059 |
| Efficiency ratio | 76.2127% | 1,364 |
| Assets per employee ($millions) | 5.3828% | 2,069 |
| Cash dividends to net income (ytd only)* | 238.8060% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 2,516 |
| Loan loss allowance to noncurrent loans | 221.5876% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.9628% | 1,445 |
| Noncurrent loans to loans | 0.5422% | 2,647 |
| Net loans and leases to total assets | 68.5627% | 2,745 |
| Net loans and leases to deposits | 77.1601% | 3,230 |
| Net loans and leases to core deposits | 87.9006% | 2,806 |
| Total domestic deposits to total assets | 88.8577% | 723 |
| Equity capital to assets | 10.6899% | 3,349 |
| Core capital (leverage) ratio | 10.8435% | 2,750 |
| Tier 1 risk-based capital ratio | 14.5167% | 3,061 |
| Total risk-based capital ratio | 15.6528% | 3,035 |
| Memoranda: | ||
| Average total assets | $276,159,330 | 2,317 |
| Average earning assets | $261,538,330 | 2,291 |
| Average equity | $29,472,330 | 2,432 |
| Average total loans | $203,325,000 | 2,164 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5419% | 2,729 |
| Cost of funding earning assets | 0.7164% | 2,966 |
| Net interest margin | 3.8255% | 2,433 |
| Noninterest income to average assets | 0.2816% | 3,996 |
| Noninterest expense to average assets | 3.1656% | 1,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7365% | 3,815 |
| Return on assets (ROA) | 0.7365% | 3,867 |
| Pretax return on assets | 0.7481% | 4,178 |
| Return on Equity (ROE) | 6.9069% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.9069% | 2,078 |
| Net charge-offs to loans | -0.0134% | 4,340 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8856% | 977 |
| Assets per employee ($millions) | 5.3193% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 2,264 |
| Loan loss allowance to noncurrent loans | 77.4648% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.7885% | 594 |
| Noncurrent loans to loans | 1.6289% | 971 |
| Net loans and leases to total assets | 73.1290% | 1,956 |
| Net loans and leases to deposits | 82.3848% | 2,575 |
| Net loans and leases to core deposits | 93.8366% | 2,141 |
| Total domestic deposits to total assets | 88.7651% | 971 |
| Equity capital to assets | 10.8220% | 3,023 |
| Core capital (leverage) ratio | 11.2924% | 2,302 |
| Tier 1 risk-based capital ratio | 14.0341% | 3,326 |
| Total risk-based capital ratio | 15.2349% | 3,259 |
| Memoranda: | ||
| Average total assets | $276,978,500 | 2,327 |
| Average earning assets | $262,974,000 | 2,296 |
| Average equity | $29,535,500 | 2,433 |
| Average total loans | $209,733,500 | 2,138 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6380% | 2,028 |
| Cost of funding earning assets | 0.6496% | 2,393 |
| Net interest margin | 3.9883% | 2,024 |
| Noninterest income to average assets | 0.5568% | 2,509 |
| Noninterest expense to average assets | 3.4162% | 1,122 |
| Loan and lease loss provision to assets | -0.0552% | 5,205 |
| Net operating income to assets | 0.9622% | 3,168 |
| Return on assets (ROA) | 0.9626% | 3,168 |
| Pretax return on assets | 0.9762% | 3,683 |
| Return on Equity (ROE) | 9.2912% | 2,842 |
| Retained earnings to average equity (ytd only) | 5.7368% | 2,333 |
| Net charge-offs to loans | -0.0124% | 4,553 |
| Credit loss provision to net charge-offs | 555.5556% | 631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7722% | 1,058 |
| Assets per employee ($millions) | 4.8659% | 2,656 |
| Cash dividends to net income (ytd only)* | 38.2555% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,565 |
| Loan loss allowance to noncurrent loans | 72.0917% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.8698% | 535 |
| Noncurrent loans to loans | 1.6663% | 872 |
| Net loans and leases to total assets | 76.4463% | 1,529 |
| Net loans and leases to deposits | 85.9293% | 2,282 |
| Net loans and leases to core deposits | 97.2231% | 1,950 |
| Total domestic deposits to total assets | 88.9643% | 878 |
| Equity capital to assets | 10.5053% | 3,186 |
| Core capital (leverage) ratio | 10.6689% | 2,870 |
| Tier 1 risk-based capital ratio | 12.9214% | 3,891 |
| Total risk-based capital ratio | 14.0430% | 3,847 |
| Memoranda: | ||
| Average total assets | $271,562,200 | 2,319 |
| Average earning assets | $257,376,000 | 2,283 |
| Average equity | $28,134,000 | 2,449 |
| Average total loans | $217,700,400 | 2,043 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 1,954 |
| Cost of funding earning assets | 0.6374% | 2,226 |
| Net interest margin | 3.9706% | 2,050 |
| Noninterest income to average assets | 0.6516% | 2,063 |
| Noninterest expense to average assets | 3.5145% | 967 |
| Loan and lease loss provision to assets | -0.0740% | 5,322 |
| Net operating income to assets | 0.9615% | 3,262 |
| Return on assets (ROA) | 0.9620% | 3,266 |
| Pretax return on assets | 0.9754% | 3,798 |
| Return on Equity (ROE) | 9.3196% | 2,950 |
| Retained earnings to average equity (ytd only) | 4.5378% | 3,479 |
| Net charge-offs to loans | -0.0116% | 4,440 |
| Credit loss provision to net charge-offs | 789.4737% | 491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5975% | 984 |
| Assets per employee ($millions) | 4.5512% | 3,039 |
| Cash dividends to net income (ytd only)* | 51.3084% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 2,671 |
| Loan loss allowance to noncurrent loans | 71.8680% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 2.2487% | 433 |
| Noncurrent loans to loans | 1.6571% | 945 |
| Net loans and leases to total assets | 80.7786% | 903 |
| Net loans and leases to deposits | 91.1248% | 1,738 |
| Net loans and leases to core deposits | 105.1098% | 1,368 |
| Total domestic deposits to total assets | 88.6461% | 977 |
| Equity capital to assets | 10.6989% | 2,930 |
| Core capital (leverage) ratio | 11.0477% | 2,534 |
| Tier 1 risk-based capital ratio | 12.4531% | 4,225 |
| Total risk-based capital ratio | 13.5553% | 4,210 |
| Memoranda: | ||
| Average total assets | $270,114,250 | 2,339 |
| Average earning assets | $256,042,250 | 2,304 |
| Average equity | $27,883,250 | 2,468 |
| Average total loans | $218,474,250 | 2,046 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5550% | 1,920 |
| Cost of funding earning assets | 0.6175% | 2,124 |
| Net interest margin | 3.9375% | 2,078 |
| Noninterest income to average assets | 0.5702% | 2,475 |
| Noninterest expense to average assets | 3.5376% | 947 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7518% | 4,022 |
| Return on assets (ROA) | 0.7525% | 4,025 |
| Pretax return on assets | 0.7635% | 4,355 |
| Return on Equity (ROE) | 7.3765% | 3,776 |
| Retained earnings to average equity (ytd only) | 0.1729% | 4,923 |
| Net charge-offs to loans | -0.0109% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2625% | 814 |
| Assets per employee ($millions) | 4.7879% | 2,695 |
| Cash dividends to net income (ytd only)* | 97.6563% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 2,614 |
| Loan loss allowance to noncurrent loans | 76.8338% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 2.1586% | 466 |
| Noncurrent loans to loans | 1.5850% | 1,026 |
| Net loans and leases to total assets | 80.6336% | 924 |
| Net loans and leases to deposits | 92.9798% | 1,477 |
| Net loans and leases to core deposits | 107.5431% | 1,150 |
| Total domestic deposits to total assets | 86.7217% | 1,961 |
| Equity capital to assets | 10.0678% | 3,560 |
| Core capital (leverage) ratio | 10.5359% | 2,995 |
| Tier 1 risk-based capital ratio | 11.8119% | 4,618 |
| Total risk-based capital ratio | 12.9518% | 4,561 |
| Memoranda: | ||
| Average total assets | $272,161,670 | 2,334 |
| Average earning assets | $257,828,670 | 2,296 |
| Average equity | $27,763,670 | 2,483 |
| Average total loans | $219,364,670 | 2,040 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5161% | 1,815 |
| Cost of funding earning assets | 0.6192% | 1,918 |
| Net interest margin | 3.8969% | 2,056 |
| Noninterest income to average assets | 0.4548% | 3,083 |
| Noninterest expense to average assets | 3.4895% | 1,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6417% | 4,305 |
| Return on assets (ROA) | 0.6432% | 4,314 |
| Pretax return on assets | 0.6535% | 4,563 |
| Return on Equity (ROE) | 6.2635% | 4,073 |
| Retained earnings to average equity (ytd only) | 6.2635% | 2,599 |
| Net charge-offs to loans | -0.0129% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2573% | 779 |
| Assets per employee ($millions) | 4.3288% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 2,483 |
| Loan loss allowance to noncurrent loans | 2,708.0000% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.9316% | 1,699 |
| Noncurrent loans to loans | 0.0464% | 4,766 |
| Net loans and leases to total assets | 80.6439% | 845 |
| Net loans and leases to deposits | 90.6577% | 1,607 |
| Net loans and leases to core deposits | 105.3391% | 1,288 |
| Total domestic deposits to total assets | 88.9542% | 1,112 |
| Equity capital to assets | 10.5712% | 3,001 |
| Core capital (leverage) ratio | 10.6101% | 2,841 |
| Tier 1 risk-based capital ratio | 12.0209% | 4,533 |
| Total risk-based capital ratio | 13.1620% | 4,497 |
| Memoranda: | ||
| Average total assets | $271,787,000 | 2,356 |
| Average earning assets | $257,126,500 | 2,312 |
| Average equity | $27,907,500 | 2,501 |
| Average total loans | $217,661,500 | 2,060 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6357% | 1,342 |
| Cost of funding earning assets | 0.4737% | 2,564 |
| Net interest margin | 4.1620% | 1,274 |
| Noninterest income to average assets | 0.4482% | 3,322 |
| Noninterest expense to average assets | 3.1624% | 1,694 |
| Loan and lease loss provision to assets | 0.1223% | 1,870 |
| Net operating income to assets | 1.0240% | 2,140 |
| Return on assets (ROA) | 1.0348% | 2,136 |
| Pretax return on assets | 1.0524% | 3,371 |
| Return on Equity (ROE) | 10.1743% | 1,815 |
| Retained earnings to average equity (ytd only) | 6.4268% | 1,319 |
| Net charge-offs to loans | -0.0062% | 4,684 |
| Credit loss provision to net charge-offs | -2,469.2308% | 5,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1013% | 2,046 |
| Assets per employee ($millions) | 4.6586% | 2,942 |
| Cash dividends to net income (ytd only)* | 36.8324% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 2,603 |
| Loan loss allowance to noncurrent loans | 2,701.0000% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.8804% | 1,771 |
| Noncurrent loans to loans | 0.0455% | 4,792 |
| Net loans and leases to total assets | 77.6226% | 1,333 |
| Net loans and leases to deposits | 87.0966% | 2,118 |
| Net loans and leases to core deposits | 100.8802% | 1,645 |
| Total domestic deposits to total assets | 89.1223% | 949 |
| Equity capital to assets | 9.9818% | 3,730 |
| Core capital (leverage) ratio | 10.5121% | 2,837 |
| Tier 1 risk-based capital ratio | 11.5460% | 4,818 |
| Total risk-based capital ratio | 12.6563% | 4,794 |
| Memoranda: | ||
| Average total assets | $262,364,800 | 2,393 |
| Average earning assets | $244,449,000 | 2,387 |
| Average equity | $26,685,000 | 2,568 |
| Average total loans | $208,758,600 | 2,088 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6619% | 1,222 |
| Cost of funding earning assets | 0.4414% | 2,796 |
| Net interest margin | 4.2205% | 1,103 |
| Noninterest income to average assets | 0.4221% | 3,542 |
| Noninterest expense to average assets | 3.1561% | 1,663 |
| Loan and lease loss provision to assets | 0.1555% | 1,328 |
| Net operating income to assets | 1.0144% | 2,500 |
| Return on assets (ROA) | 1.0291% | 2,459 |
| Pretax return on assets | 1.0472% | 3,501 |
| Return on Equity (ROE) | 10.0676% | 2,105 |
| Retained earnings to average equity (ytd only) | 5.0136% | 2,879 |
| Net charge-offs to loans | -0.0142% | 4,747 |
| Credit loss provision to net charge-offs | -1,368.1818% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6570% | 2,107 |
| Assets per employee ($millions) | 4.6410% | 2,915 |
| Cash dividends to net income (ytd only)* | 50.2009% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 2,817 |
| Loan loss allowance to noncurrent loans | 930.7958% | 630 |
| Noncurrent assets plus other real estate owned to assets | 1.0138% | 1,671 |
| Noncurrent loans to loans | 0.1309% | 4,534 |
| Net loans and leases to total assets | 82.4289% | 612 |
| Net loans and leases to deposits | 98.5769% | 860 |
| Net loans and leases to core deposits | 117.1835% | 699 |
| Total domestic deposits to total assets | 83.6189% | 3,251 |
| Equity capital to assets | 10.3328% | 3,557 |
| Core capital (leverage) ratio | 10.4864% | 3,003 |
| Tier 1 risk-based capital ratio | 11.6428% | 4,856 |
| Total risk-based capital ratio | 12.7873% | 4,828 |
| Memoranda: | ||
| Average total assets | $258,076,500 | 2,446 |
| Average earning assets | $239,809,750 | 2,442 |
| Average equity | $26,381,000 | 2,606 |
| Average total loans | $206,030,750 | 2,120 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6452% | 1,164 |
| Cost of funding earning assets | 0.4330% | 2,773 |
| Net interest margin | 4.2122% | 1,056 |
| Noninterest income to average assets | 0.4228% | 3,543 |
| Noninterest expense to average assets | 3.1150% | 1,802 |
| Loan and lease loss provision to assets | 0.1297% | 1,602 |
| Net operating income to assets | 1.0675% | 2,129 |
| Return on assets (ROA) | 1.0675% | 2,176 |
| Pretax return on assets | 1.0855% | 3,236 |
| Return on Equity (ROE) | 10.4822% | 1,838 |
| Retained earnings to average equity (ytd only) | 2.8085% | 4,031 |
| Net charge-offs to loans | -0.0149% | 4,665 |
| Credit loss provision to net charge-offs | -1,106.6667% | 4,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9365% | 2,348 |
| Assets per employee ($millions) | 4.4406% | 3,212 |
| Cash dividends to net income (ytd only)* | 73.2064% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 2,781 |
| Loan loss allowance to noncurrent loans | 298.2436% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 1.1240% | 1,545 |
| Noncurrent loans to loans | 0.4146% | 3,536 |
| Net loans and leases to total assets | 78.9824% | 1,094 |
| Net loans and leases to deposits | 89.1287% | 1,848 |
| Net loans and leases to core deposits | 107.0185% | 1,158 |
| Total domestic deposits to total assets | 88.6160% | 1,152 |
| Equity capital to assets | 10.3900% | 3,467 |
| Core capital (leverage) ratio | 10.4670% | 2,951 |
| Tier 1 risk-based capital ratio | 11.7547% | 4,799 |
| Total risk-based capital ratio | 12.8744% | 4,760 |
| Memoranda: | ||
| Average total assets | $255,923,000 | 2,478 |
| Average earning assets | $237,407,330 | 2,474 |
| Average equity | $26,063,330 | 2,629 |
| Average total loans | $201,126,000 | 2,157 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5599% | 1,233 |
| Cost of funding earning assets | 0.4111% | 2,892 |
| Net interest margin | 4.1487% | 1,098 |
| Noninterest income to average assets | 0.3606% | 3,956 |
| Noninterest expense to average assets | 3.0717% | 1,954 |
| Loan and lease loss provision to assets | 0.1568% | 1,155 |
| Net operating income to assets | 0.9580% | 2,489 |
| Return on assets (ROA) | 0.9580% | 2,548 |
| Pretax return on assets | 0.9768% | 3,474 |
| Return on Equity (ROE) | 9.5042% | 2,186 |
| Retained earnings to average equity (ytd only) | -6.0509% | 5,447 |
| Net charge-offs to loans | -0.0141% | 4,563 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0425% | 2,399 |
| Assets per employee ($millions) | 4.9661% | 2,489 |
| Cash dividends to net income (ytd only)* | 163.6661% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 2,919 |
| Loan loss allowance to noncurrent loans | 328.1167% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 1.0676% | 1,686 |
| Noncurrent loans to loans | 0.3759% | 3,747 |
| Net loans and leases to total assets | 75.2708% | 1,537 |
| Net loans and leases to deposits | 83.8820% | 2,295 |
| Net loans and leases to core deposits | 101.5553% | 1,397 |
| Total domestic deposits to total assets | 89.7342% | 780 |
| Equity capital to assets | 9.7070% | 4,060 |
| Core capital (leverage) ratio | 9.8344% | 3,714 |
| Tier 1 risk-based capital ratio | 11.5613% | 4,990 |
| Total risk-based capital ratio | 12.6621% | 4,982 |
| Memoranda: | ||
| Average total assets | $255,107,000 | 2,503 |
| Average earning assets | $236,410,500 | 2,497 |
| Average equity | $25,715,000 | 2,669 |
| Average total loans | $198,704,000 | 2,194 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5429% | 1,421 |
| Cost of funding earning assets | 0.4028% | 2,972 |
| Net interest margin | 4.1401% | 1,277 |
| Noninterest income to average assets | 0.7547% | 1,939 |
| Noninterest expense to average assets | 3.1921% | 1,808 |
| Loan and lease loss provision to assets | 0.3029% | 622 |
| Net operating income to assets | 1.0784% | 1,995 |
| Return on assets (ROA) | 1.0733% | 2,122 |
| Pretax return on assets | 1.0929% | 3,131 |
| Return on Equity (ROE) | 9.8277% | 2,034 |
| Retained earnings to average equity (ytd only) | 6.8387% | 1,292 |
| Net charge-offs to loans | 0.0878% | 2,443 |
| Credit loss provision to net charge-offs | 443.3121% | 724 |
| Earnings coverage of net charge-offs (x) | 20.5032% | 1,850 |
| Efficiency ratio | 69.4968% | 2,996 |
| Assets per employee ($millions) | 4.5743% | 3,010 |
| Cash dividends to net income (ytd only)* | 30.4136% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 3,108 |
| Loan loss allowance to noncurrent loans | 164.0333% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 1.4165% | 1,205 |
| Noncurrent loans to loans | 0.7332% | 2,694 |
| Net loans and leases to total assets | 78.7220% | 1,084 |
| Net loans and leases to deposits | 89.1115% | 1,795 |
| Net loans and leases to core deposits | 103.6950% | 1,305 |
| Total domestic deposits to total assets | 88.3410% | 1,468 |
| Equity capital to assets | 10.4777% | 3,180 |
| Core capital (leverage) ratio | 10.8895% | 2,443 |
| Tier 1 risk-based capital ratio | 11.9617% | 4,756 |
| Total risk-based capital ratio | 13.0353% | 4,770 |
| Memoranda: | ||
| Average total assets | $229,752,600 | 2,670 |
| Average earning assets | $213,013,200 | 2,668 |
| Average equity | $25,092,400 | 2,714 |
| Average total loans | $178,765,200 | 2,325 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5039% | 1,528 |
| Cost of funding earning assets | 0.4049% | 2,973 |
| Net interest margin | 4.0991% | 1,388 |
| Noninterest income to average assets | 0.7411% | 2,005 |
| Noninterest expense to average assets | 3.2741% | 1,621 |
| Loan and lease loss provision to assets | 0.3655% | 425 |
| Net operating income to assets | 0.8803% | 3,011 |
| Return on assets (ROA) | 0.8913% | 3,088 |
| Pretax return on assets | 0.9090% | 3,951 |
| Return on Equity (ROE) | 8.0709% | 2,970 |
| Retained earnings to average equity (ytd only) | 4.0542% | 3,415 |
| Net charge-offs to loans | 0.1255% | 1,710 |
| Credit loss provision to net charge-offs | 376.8293% | 882 |
| Earnings coverage of net charge-offs (x) | 13.0245% | 2,339 |
| Efficiency ratio | 72.1585% | 2,558 |
| Assets per employee ($millions) | 4.3049% | 3,408 |
| Cash dividends to net income (ytd only)* | 49.7681% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 3,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9275% | 2,243 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 79.8249% | 913 |
| Net loans and leases to deposits | 91.3727% | 1,584 |
| Net loans and leases to core deposits | 104.3565% | 1,317 |
| Total domestic deposits to total assets | 87.3618% | 1,727 |
| Equity capital to assets | 10.8541% | 3,198 |
| Core capital (leverage) ratio | 11.0120% | 2,437 |
| Tier 1 risk-based capital ratio | 11.9753% | 4,806 |
| Total risk-based capital ratio | 13.0501% | 4,814 |
| Memoranda: | ||
| Average total assets | $225,438,000 | 2,717 |
| Average earning assets | $208,789,750 | 2,717 |
| Average equity | $24,895,250 | 2,753 |
| Average total loans | $174,251,750 | 2,371 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4374% | 1,717 |
| Cost of funding earning assets | 0.3909% | 3,144 |
| Net interest margin | 4.0465% | 1,509 |
| Noninterest income to average assets | 0.5946% | 2,650 |
| Noninterest expense to average assets | 3.2861% | 1,621 |
| Loan and lease loss provision to assets | 0.4105% | 365 |
| Net operating income to assets | 0.6211% | 4,184 |
| Return on assets (ROA) | 0.6379% | 4,249 |
| Pretax return on assets | 0.6514% | 4,756 |
| Return on Equity (ROE) | 5.7416% | 4,171 |
| Retained earnings to average equity (ytd only) | -0.3492% | 5,346 |
| Net charge-offs to loans | 0.2005% | 1,144 |
| Credit loss provision to net charge-offs | 269.2308% | 1,047 |
| Earnings coverage of net charge-offs (x) | 6.8521% | 2,694 |
| Efficiency ratio | 75.8750% | 2,101 |
| Assets per employee ($millions) | 4.7532% | 2,624 |
| Cash dividends to net income (ytd only)* | 106.0820% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 3,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9897% | 2,159 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 79.5201% | 983 |
| Net loans and leases to deposits | 94.3400% | 1,255 |
| Net loans and leases to core deposits | 107.6557% | 1,056 |
| Total domestic deposits to total assets | 84.2909% | 3,160 |
| Equity capital to assets | 11.1769% | 2,871 |
| Core capital (leverage) ratio | 11.0972% | 2,330 |
| Tier 1 risk-based capital ratio | 12.3533% | 4,614 |
| Total risk-based capital ratio | 13.4138% | 4,639 |
| Memoranda: | ||
| Average total assets | $221,661,670 | 2,763 |
| Average earning assets | $204,671,670 | 2,765 |
| Average equity | $24,627,330 | 2,774 |
| Average total loans | $168,575,670 | 2,432 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 2,133 |
| Cost of funding earning assets | 0.3782% | 3,316 |
| Net interest margin | 3.9236% | 1,871 |
| Noninterest income to average assets | 0.5018% | 3,100 |
| Noninterest expense to average assets | 3.2392% | 1,743 |
| Loan and lease loss provision to assets | 0.5834% | 194 |
| Net operating income to assets | 0.2833% | 5,348 |
| Return on assets (ROA) | 0.3170% | 5,336 |
| Pretax return on assets | 0.3225% | 5,467 |
| Return on Equity (ROE) | 2.8622% | 5,284 |
| Retained earnings to average equity (ytd only) | -9.4045% | 5,790 |
| Net charge-offs to loans | 0.4148% | 546 |
| Credit loss provision to net charge-offs | 190.5325% | 1,116 |
| Earnings coverage of net charge-offs (x) | 2.8462% | 2,625 |
| Efficiency ratio | 78.8012% | 1,785 |
| Assets per employee ($millions) | 4.7958% | 2,592 |
| Cash dividends to net income (ytd only)* | 428.5714% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 3,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1079% | 1,993 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 74.8620% | 1,583 |
| Net loans and leases to deposits | 84.5557% | 2,242 |
| Net loans and leases to core deposits | 95.7969% | 1,823 |
| Total domestic deposits to total assets | 88.5357% | 1,338 |
| Equity capital to assets | 10.9580% | 2,989 |
| Core capital (leverage) ratio | 11.1961% | 2,227 |
| Tier 1 risk-based capital ratio | 13.1650% | 4,158 |
| Total risk-based capital ratio | 14.2474% | 4,185 |
| Memoranda: | ||
| Average total assets | $220,793,000 | 2,773 |
| Average earning assets | $203,078,500 | 2,788 |
| Average equity | $24,456,500 | 2,791 |
| Average total loans | $162,983,500 | 2,496 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4825% | 1,649 |
| Cost of funding earning assets | 0.3720% | 3,463 |
| Net interest margin | 4.1105% | 1,388 |
| Noninterest income to average assets | 0.4747% | 3,502 |
| Noninterest expense to average assets | 3.3714% | 1,541 |
| Loan and lease loss provision to assets | 0.0338% | 3,675 |
| Net operating income to assets | 0.8019% | 3,327 |
| Return on assets (ROA) | 0.8014% | 3,417 |
| Pretax return on assets | 0.8136% | 4,146 |
| Return on Equity (ROE) | 6.6217% | 3,715 |
| Retained earnings to average equity (ytd only) | 4.2851% | 2,923 |
| Net charge-offs to loans | 0.0775% | 2,713 |
| Credit loss provision to net charge-offs | 57.7586% | 3,288 |
| Earnings coverage of net charge-offs (x) | 14.4741% | 2,289 |
| Efficiency ratio | 79.9042% | 1,689 |
| Assets per employee ($millions) | 4.7017% | 2,728 |
| Cash dividends to net income (ytd only)* | 35.2867% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 3,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5227% | 3,550 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 71.0517% | 2,187 |
| Net loans and leases to deposits | 80.4998% | 2,766 |
| Net loans and leases to core deposits | 90.6781% | 2,349 |
| Total domestic deposits to total assets | 88.2632% | 1,500 |
| Equity capital to assets | 11.1951% | 2,637 |
| Core capital (leverage) ratio | 11.7228% | 1,801 |
| Tier 1 risk-based capital ratio | 14.2299% | 3,591 |
| Total risk-based capital ratio | 15.2843% | 3,618 |
| Memoranda: | ||
| Average total assets | $198,017,200 | 2,969 |
| Average earning assets | $180,391,800 | 2,996 |
| Average equity | $23,966,800 | 2,788 |
| Average total loans | $149,596,800 | 2,602 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5706% | 1,410 |
| Cost of funding earning assets | 0.3739% | 3,503 |
| Net interest margin | 4.1967% | 1,173 |
| Noninterest income to average assets | 0.4389% | 3,807 |
| Noninterest expense to average assets | 3.4831% | 1,317 |
| Loan and lease loss provision to assets | 0.0118% | 4,038 |
| Net operating income to assets | 0.7371% | 3,737 |
| Return on assets (ROA) | 0.7371% | 3,836 |
| Pretax return on assets | 0.7503% | 4,492 |
| Return on Equity (ROE) | 5.9616% | 4,173 |
| Retained earnings to average equity (ytd only) | 2.8210% | 4,428 |
| Net charge-offs to loans | 0.0652% | 2,647 |
| Credit loss provision to net charge-offs | 23.6111% | 3,335 |
| Earnings coverage of net charge-offs (x) | 15.2635% | 2,194 |
| Efficiency ratio | 82.0484% | 1,391 |
| Assets per employee ($millions) | 4.0955% | 3,710 |
| Cash dividends to net income (ytd only)* | 52.6812% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 3,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4655% | 1,537 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 74.7348% | 1,601 |
| Net loans and leases to deposits | 85.4979% | 2,208 |
| Net loans and leases to core deposits | 95.7133% | 1,913 |
| Total domestic deposits to total assets | 87.4112% | 1,839 |
| Equity capital to assets | 12.0177% | 2,086 |
| Core capital (leverage) ratio | 12.4015% | 1,464 |
| Tier 1 risk-based capital ratio | 14.6771% | 3,452 |
| Total risk-based capital ratio | 15.7847% | 3,465 |
| Memoranda: | ||
| Average total assets | $192,276,500 | 3,052 |
| Average earning assets | $174,386,250 | 3,082 |
| Average equity | $23,773,750 | 2,826 |
| Average total loans | $147,286,750 | 2,642 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5124% | 1,490 |
| Cost of funding earning assets | 0.3737% | 3,561 |
| Net interest margin | 4.1387% | 1,255 |
| Noninterest income to average assets | 0.6935% | 2,244 |
| Noninterest expense to average assets | 3.5118% | 1,282 |
| Loan and lease loss provision to assets | 0.0179% | 3,765 |
| Net operating income to assets | 0.9035% | 2,860 |
| Return on assets (ROA) | 0.9035% | 2,980 |
| Pretax return on assets | 0.9162% | 3,894 |
| Return on Equity (ROE) | 7.2360% | 3,465 |
| Retained earnings to average equity (ytd only) | 2.5022% | 4,464 |
| Net charge-offs to loans | 0.0988% | 2,025 |
| Credit loss provision to net charge-offs | 23.6111% | 2,981 |
| Earnings coverage of net charge-offs (x) | 12.2917% | 2,222 |
| Efficiency ratio | 78.9886% | 1,918 |
| Assets per employee ($millions) | 4.3143% | 3,277 |
| Cash dividends to net income (ytd only)* | 65.4206% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 3,784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1014% | 1,024 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 78.9322% | 948 |
| Net loans and leases to deposits | 90.8290% | 1,500 |
| Net loans and leases to core deposits | 103.2654% | 1,242 |
| Total domestic deposits to total assets | 86.9020% | 2,218 |
| Equity capital to assets | 12.5486% | 1,633 |
| Core capital (leverage) ratio | 12.4292% | 1,415 |
| Tier 1 risk-based capital ratio | 14.8900% | 3,421 |
| Total risk-based capital ratio | 16.0232% | 3,422 |
| Memoranda: | ||
| Average total assets | $189,475,670 | 3,111 |
| Average earning assets | $171,793,670 | 3,141 |
| Average equity | $23,659,330 | 2,846 |
| Average total loans | $145,783,000 | 2,673 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3222% | 2,022 |
| Cost of funding earning assets | 0.3703% | 3,646 |
| Net interest margin | 3.9519% | 1,709 |
| Noninterest income to average assets | 0.7607% | 1,861 |
| Noninterest expense to average assets | 3.4992% | 1,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8368% | 3,073 |
| Return on assets (ROA) | 0.8368% | 3,200 |
| Pretax return on assets | 0.8473% | 4,070 |
| Return on Equity (ROE) | 6.7180% | 3,646 |
| Retained earnings to average equity (ytd only) | -2.7822% | 5,772 |
| Net charge-offs to loans | 0.1708% | 1,253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.5738% | 2,270 |
| Efficiency ratio | 80.5056% | 1,828 |
| Assets per employee ($millions) | 4.1961% | 3,568 |
| Cash dividends to net income (ytd only)* | 141.4141% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 3,693 |
| Loan loss allowance to noncurrent loans | 468.9922% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 1.5120% | 1,726 |
| Noncurrent loans to loans | 0.2663% | 4,825 |
| Net loans and leases to total assets | 75.9968% | 1,210 |
| Net loans and leases to deposits | 87.3159% | 1,691 |
| Net loans and leases to core deposits | 99.1906% | 1,378 |
| Total domestic deposits to total assets | 87.0367% | 2,347 |
| Equity capital to assets | 12.4449% | 1,725 |
| Core capital (leverage) ratio | 12.1440% | 1,551 |
| Tier 1 risk-based capital ratio | 15.1252% | 3,366 |
| Total risk-based capital ratio | 16.2951% | 3,336 |
| Memoranda: | ||
| Average total assets | $189,298,500 | 3,128 |
| Average earning assets | $171,766,000 | 3,157 |
| Average equity | $23,578,500 | 2,876 |
| Average total loans | $142,845,500 | 2,719 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5734% | 1,628 |
| Cost of funding earning assets | 0.3438% | 4,319 |
| Net interest margin | 4.2296% | 1,219 |
| Noninterest income to average assets | 0.6750% | 2,432 |
| Noninterest expense to average assets | 3.5951% | 1,319 |
| Loan and lease loss provision to assets | 0.1225% | 2,140 |
| Net operating income to assets | 0.6901% | 3,947 |
| Return on assets (ROA) | 0.6966% | 4,027 |
| Pretax return on assets | 0.7077% | 4,595 |
| Return on Equity (ROE) | 5.4987% | 4,406 |
| Retained earnings to average equity (ytd only) | 4.6238% | 2,885 |
| Net charge-offs to loans | 0.2182% | 1,924 |
| Credit loss provision to net charge-offs | 76.7361% | 2,935 |
| Earnings coverage of net charge-offs (x) | 5.1597% | 3,488 |
| Efficiency ratio | 81.3621% | 1,728 |
| Assets per employee ($millions) | 4.3130% | 3,343 |
| Cash dividends to net income (ytd only)* | 15.9109% | 3,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 3,247 |
| Loan loss allowance to noncurrent loans | 484.7545% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 1.5250% | 1,785 |
| Noncurrent loans to loans | 0.2757% | 4,866 |
| Net loans and leases to total assets | 72.9818% | 1,759 |
| Net loans and leases to deposits | 84.0896% | 2,207 |
| Net loans and leases to core deposits | 95.8849% | 1,732 |
| Total domestic deposits to total assets | 86.7905% | 2,395 |
| Equity capital to assets | 12.4665% | 1,672 |
| Core capital (leverage) ratio | 12.4446% | 1,379 |
| Tier 1 risk-based capital ratio | 15.8481% | 3,033 |
| Total risk-based capital ratio | 17.0962% | 2,987 |
| Memoranda: | ||
| Average total assets | $180,438,000 | 3,201 |
| Average earning assets | $159,707,000 | 3,286 |
| Average equity | $22,859,800 | 2,859 |
| Average total loans | $131,986,400 | 2,830 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5857% | 1,603 |
| Cost of funding earning assets | 0.3369% | 4,505 |
| Net interest margin | 4.2488% | 1,159 |
| Noninterest income to average assets | 0.6880% | 2,390 |
| Noninterest expense to average assets | 3.6277% | 1,244 |
| Loan and lease loss provision to assets | 0.1654% | 1,499 |
| Net operating income to assets | 0.6117% | 4,390 |
| Return on assets (ROA) | 0.6184% | 4,455 |
| Pretax return on assets | 0.6303% | 4,929 |
| Return on Equity (ROE) | 4.8601% | 4,790 |
| Retained earnings to average equity (ytd only) | 3.6833% | 4,018 |
| Net charge-offs to loans | -0.0287% | 5,725 |
| Credit loss provision to net charge-offs | -789.2857% | 5,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1356% | 1,602 |
| Assets per employee ($millions) | 3.8475% | 4,199 |
| Cash dividends to net income (ytd only)* | 24.2130% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 2,564 |
| Loan loss allowance to noncurrent loans | 254.2923% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 1.5304% | 2,009 |
| Noncurrent loans to loans | 0.6033% | 4,124 |
| Net loans and leases to total assets | 73.1360% | 1,659 |
| Net loans and leases to deposits | 83.6304% | 2,205 |
| Net loans and leases to core deposits | 94.5359% | 1,803 |
| Total domestic deposits to total assets | 87.4515% | 2,061 |
| Equity capital to assets | 12.0594% | 2,006 |
| Core capital (leverage) ratio | 12.5032% | 1,403 |
| Tier 1 risk-based capital ratio | 15.2223% | 3,458 |
| Total risk-based capital ratio | 16.4750% | 3,403 |
| Memoranda: | ||
| Average total assets | $178,104,500 | 3,255 |
| Average earning assets | $156,307,250 | 3,354 |
| Average equity | $22,660,250 | 2,884 |
| Average total loans | $129,889,250 | 2,875 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5847% | 1,571 |
| Cost of funding earning assets | 0.3280% | 4,668 |
| Net interest margin | 4.2566% | 1,123 |
| Noninterest income to average assets | 0.5261% | 3,296 |
| Noninterest expense to average assets | 3.5835% | 1,325 |
| Loan and lease loss provision to assets | 0.0554% | 3,188 |
| Net operating income to assets | 0.5898% | 4,406 |
| Return on assets (ROA) | 0.5999% | 4,449 |
| Pretax return on assets | 0.6103% | 4,924 |
| Return on Equity (ROE) | 4.6262% | 4,851 |
| Retained earnings to average equity (ytd only) | 2.8469% | 4,395 |
| Net charge-offs to loans | -0.0398% | 5,778 |
| Credit loss provision to net charge-offs | -192.0000% | 5,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5400% | 1,439 |
| Assets per employee ($millions) | 3.5283% | 4,794 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 2,758 |
| Loan loss allowance to noncurrent loans | 233.7587% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 1.6688% | 1,945 |
| Noncurrent loans to loans | 0.6549% | 4,068 |
| Net loans and leases to total assets | 73.4712% | 1,507 |
| Net loans and leases to deposits | 84.8305% | 1,950 |
| Net loans and leases to core deposits | 96.2028% | 1,585 |
| Total domestic deposits to total assets | 86.6095% | 2,693 |
| Equity capital to assets | 12.9370% | 1,407 |
| Core capital (leverage) ratio | 13.1589% | 1,104 |
| Tier 1 risk-based capital ratio | 16.2049% | 2,975 |
| Total risk-based capital ratio | 17.4571% | 2,921 |
| Memoranda: | ||
| Average total assets | $173,348,330 | 3,335 |
| Average earning assets | $151,199,000 | 3,461 |
| Average equity | $22,480,670 | 2,897 |
| Average total loans | $125,557,000 | 2,954 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5335% | 1,699 |
| Cost of funding earning assets | 0.3090% | 4,976 |
| Net interest margin | 4.2245% | 1,157 |
| Noninterest income to average assets | 0.3632% | 4,486 |
| Noninterest expense to average assets | 3.3990% | 1,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6146% | 4,129 |
| Return on assets (ROA) | 0.6146% | 4,202 |
| Pretax return on assets | 0.6239% | 4,747 |
| Return on Equity (ROE) | 4.7334% | 4,672 |
| Retained earnings to average equity (ytd only) | 4.7334% | 3,275 |
| Net charge-offs to loans | -0.0653% | 5,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4907% | 1,618 |
| Assets per employee ($millions) | 3.8512% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5895% | 2,751 |
| Loan loss allowance to noncurrent loans | 227.7262% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 1.8574% | 1,868 |
| Noncurrent loans to loans | 0.6980% | 4,121 |
| Net loans and leases to total assets | 70.1294% | 1,867 |
| Net loans and leases to deposits | 81.4356% | 2,109 |
| Net loans and leases to core deposits | 89.7356% | 1,933 |
| Total domestic deposits to total assets | 86.1163% | 3,302 |
| Equity capital to assets | 13.0182% | 1,297 |
| Core capital (leverage) ratio | 13.3123% | 1,030 |
| Tier 1 risk-based capital ratio | 17.0618% | 2,662 |
| Total risk-based capital ratio | 18.3139% | 2,615 |
| Memoranda: | ||
| Average total assets | $171,814,500 | 3,380 |
| Average earning assets | $148,846,500 | 3,524 |
| Average equity | $22,309,500 | 2,916 |
| Average total loans | $122,520,500 | 3,017 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 2,524 |
| Cost of funding earning assets | 0.3161% | 5,456 |
| Net interest margin | 4.1017% | 1,631 |
| Noninterest income to average assets | 0.5607% | 3,326 |
| Noninterest expense to average assets | 3.4890% | 1,677 |
| Loan and lease loss provision to assets | 0.2161% | 1,692 |
| Net operating income to assets | 0.4558% | 4,931 |
| Return on assets (ROA) | 0.4582% | 5,047 |
| Pretax return on assets | 0.4676% | 5,301 |
| Return on Equity (ROE) | 3.3577% | 5,376 |
| Retained earnings to average equity (ytd only) | 3.3577% | 3,838 |
| Net charge-offs to loans | 0.3262% | 2,046 |
| Credit loss provision to net charge-offs | 96.6667% | 2,586 |
| Earnings coverage of net charge-offs (x) | 3.0472% | 3,977 |
| Efficiency ratio | 83.6659% | 1,666 |
| Assets per employee ($millions) | 4.4822% | 2,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5986% | 2,768 |
| Loan loss allowance to noncurrent loans | 225.4060% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 1.8899% | 1,923 |
| Noncurrent loans to loans | 0.7092% | 4,195 |
| Net loans and leases to total assets | 70.2175% | 1,977 |
| Net loans and leases to deposits | 81.1312% | 2,307 |
| Net loans and leases to core deposits | 88.2440% | 2,221 |
| Total domestic deposits to total assets | 86.5481% | 2,972 |
| Equity capital to assets | 12.9505% | 1,297 |
| Core capital (leverage) ratio | 13.6837% | 907 |
| Tier 1 risk-based capital ratio | 16.8159% | 2,699 |
| Total risk-based capital ratio | 18.0659% | 2,655 |
| Memoranda: | ||
| Average total assets | $161,051,200 | 3,546 |
| Average earning assets | $141,722,600 | 3,639 |
| Average equity | $21,979,200 | 2,929 |
| Average total loans | $110,351,800 | 3,238 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3760% | 2,668 |
| Cost of funding earning assets | 0.3190% | 5,563 |
| Net interest margin | 4.0570% | 1,767 |
| Noninterest income to average assets | 0.5661% | 3,358 |
| Noninterest expense to average assets | 3.5144% | 1,586 |
| Loan and lease loss provision to assets | 0.1201% | 2,791 |
| Net operating income to assets | 0.5015% | 4,782 |
| Return on assets (ROA) | 0.5048% | 4,937 |
| Pretax return on assets | 0.5141% | 5,311 |
| Return on Equity (ROE) | 3.6490% | 5,370 |
| Retained earnings to average equity (ytd only) | 3.6490% | 4,098 |
| Net charge-offs to loans | 0.1822% | 2,771 |
| Credit loss provision to net charge-offs | 97.2789% | 2,459 |
| Earnings coverage of net charge-offs (x) | 5.1087% | 3,279 |
| Efficiency ratio | 84.7822% | 1,502 |
| Assets per employee ($millions) | 4.1423% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7107% | 2,595 |
| Loan loss allowance to noncurrent loans | 104.9489% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 2.5399% | 1,505 |
| Noncurrent loans to loans | 1.6301% | 2,734 |
| Net loans and leases to total assets | 71.2118% | 1,744 |
| Net loans and leases to deposits | 83.5293% | 1,936 |
| Net loans and leases to core deposits | 91.8434% | 1,777 |
| Total domestic deposits to total assets | 85.2536% | 3,609 |
| Equity capital to assets | 13.8710% | 1,000 |
| Core capital (leverage) ratio | 14.6170% | 708 |
| Tier 1 risk-based capital ratio | 18.3020% | 2,215 |
| Total risk-based capital ratio | 19.5509% | 2,175 |
| Memoranda: | ||
| Average total assets | $158,732,750 | 3,611 |
| Average earning assets | $140,034,250 | 3,699 |
| Average equity | $21,959,500 | 2,970 |
| Average total loans | $107,554,500 | 3,316 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2753% | 3,054 |
| Cost of funding earning assets | 0.3213% | 5,654 |
| Net interest margin | 3.9540% | 2,028 |
| Noninterest income to average assets | 0.6132% | 3,110 |
| Noninterest expense to average assets | 3.4955% | 1,616 |
| Loan and lease loss provision to assets | -0.0804% | 6,688 |
| Net operating income to assets | 0.6685% | 3,973 |
| Return on assets (ROA) | 0.6735% | 4,101 |
| Pretax return on assets | 0.6823% | 4,741 |
| Return on Equity (ROE) | 4.8724% | 4,791 |
| Retained earnings to average equity (ytd only) | 4.8724% | 3,134 |
| Net charge-offs to loans | 0.0209% | 4,424 |
| Credit loss provision to net charge-offs | -581.8182% | 5,935 |
| Earnings coverage of net charge-offs (x) | 43.1818% | 878 |
| Efficiency ratio | 85.4160% | 1,470 |
| Assets per employee ($millions) | 3.6747% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7082% | 2,750 |
| Loan loss allowance to noncurrent loans | 61.0390% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 5.0398% | 610 |
| Noncurrent loans to loans | 2.7985% | 1,619 |
| Net loans and leases to total assets | 71.8016% | 1,610 |
| Net loans and leases to deposits | 84.5602% | 1,728 |
| Net loans and leases to core deposits | 91.3032% | 1,781 |
| Total domestic deposits to total assets | 84.9118% | 3,930 |
| Equity capital to assets | 14.5008% | 823 |
| Core capital (leverage) ratio | 14.4635% | 711 |
| Tier 1 risk-based capital ratio | 18.7665% | 2,056 |
| Total risk-based capital ratio | 20.0206% | 2,022 |
| Memoranda: | ||
| Average total assets | $159,174,330 | 3,627 |
| Average earning assets | $140,060,000 | 3,721 |
| Average equity | $22,001,330 | 2,989 |
| Average total loans | $105,391,330 | 3,375 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 3,531 |
| Cost of funding earning assets | 0.3217% | 5,791 |
| Net interest margin | 3.8244% | 2,361 |
| Noninterest income to average assets | 0.4087% | 4,397 |
| Noninterest expense to average assets | 3.4681% | 1,687 |
| Loan and lease loss provision to assets | -0.4283% | 6,944 |
| Net operating income to assets | 0.7049% | 3,660 |
| Return on assets (ROA) | 0.7049% | 3,799 |
| Pretax return on assets | 0.7147% | 4,511 |
| Return on Equity (ROE) | 5.2177% | 4,450 |
| Retained earnings to average equity (ytd only) | 5.2177% | 3,102 |
| Net charge-offs to loans | -0.7142% | 6,896 |
| Credit loss provision to net charge-offs | 95.1087% | 1,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3729% | 953 |
| Assets per employee ($millions) | 3.8540% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0006% | 2,043 |
| Loan loss allowance to noncurrent loans | 69.4238% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 4.8694% | 754 |
| Noncurrent loans to loans | 2.8817% | 1,753 |
| Net loans and leases to total assets | 59.4361% | 3,527 |
| Net loans and leases to deposits | 69.4121% | 3,589 |
| Net loans and leases to core deposits | 74.0751% | 3,564 |
| Total domestic deposits to total assets | 85.6278% | 3,722 |
| Equity capital to assets | 13.7025% | 1,134 |
| Core capital (leverage) ratio | 13.7918% | 854 |
| Tier 1 risk-based capital ratio | 20.0404% | 1,755 |
| Total risk-based capital ratio | 21.3050% | 1,729 |
| Memoranda: | ||
| Average total assets | $163,431,000 | 3,600 |
| Average earning assets | $142,977,500 | 3,713 |
| Average equity | $22,078,500 | 3,017 |
| Average total loans | $103,058,500 | 3,437 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4414% | 3,649 |
| Cost of funding earning assets | 0.3787% | 6,060 |
| Net interest margin | 4.0627% | 2,143 |
| Noninterest income to average assets | -0.1786% | 6,948 |
| Noninterest expense to average assets | 3.3105% | 2,303 |
| Loan and lease loss provision to assets | 0.5731% | 978 |
| Net operating income to assets | -0.5224% | 6,580 |
| Return on assets (ROA) | -0.2389% | 6,461 |
| Pretax return on assets | -0.2389% | 6,445 |
| Return on Equity (ROE) | -1.7803% | 6,442 |
| Retained earnings to average equity (ytd only) | -1.7803% | 6,131 |
| Net charge-offs to loans | 1.4688% | 616 |
| Credit loss provision to net charge-offs | 62.6236% | 4,378 |
| Earnings coverage of net charge-offs (x) | 0.0554% | 5,463 |
| Efficiency ratio | 98.4925% | 610 |
| Assets per employee ($millions) | 4.3419% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8111% | 2,555 |
| Loan loss allowance to noncurrent loans | 66.8376% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 5.2093% | 731 |
| Noncurrent loans to loans | 2.7097% | 1,951 |
| Net loans and leases to total assets | 64.2387% | 2,865 |
| Net loans and leases to deposits | 74.6256% | 3,002 |
| Net loans and leases to core deposits | 80.2644% | 2,969 |
| Total domestic deposits to total assets | 86.0813% | 3,312 |
| Equity capital to assets | 13.3199% | 1,302 |
| Core capital (leverage) ratio | 13.8294% | 844 |
| Tier 1 risk-based capital ratio | 18.1162% | 2,222 |
| Total risk-based capital ratio | 19.3706% | 2,191 |
| Memoranda: | ||
| Average total assets | $165,773,400 | 3,525 |
| Average earning assets | $144,435,400 | 3,654 |
| Average equity | $22,243,800 | 2,942 |
| Average total loans | $103,280,800 | 3,450 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4104% | 4,003 |
| Cost of funding earning assets | 0.3878% | 6,188 |
| Net interest margin | 4.0226% | 2,406 |
| Noninterest income to average assets | -0.4426% | 7,122 |
| Noninterest expense to average assets | 3.2744% | 2,348 |
| Loan and lease loss provision to assets | 0.1848% | 3,276 |
| Net operating income to assets | -0.3936% | 6,641 |
| Return on assets (ROA) | -0.1285% | 6,518 |
| Pretax return on assets | -0.1285% | 6,498 |
| Return on Equity (ROE) | -0.9562% | 6,501 |
| Retained earnings to average equity (ytd only) | -0.9562% | 6,266 |
| Net charge-offs to loans | 0.9088% | 1,199 |
| Credit loss provision to net charge-offs | 33.0460% | 4,748 |
| Earnings coverage of net charge-offs (x) | -0.3736% | 5,467 |
| Efficiency ratio | 106.8134% | 365 |
| Assets per employee ($millions) | 4.4564% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0636% | 2,003 |
| Loan loss allowance to noncurrent loans | 87.4150% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 5.5702% | 762 |
| Noncurrent loans to loans | 2.3606% | 2,445 |
| Net loans and leases to total assets | 62.5604% | 3,289 |
| Net loans and leases to deposits | 73.5705% | 3,362 |
| Net loans and leases to core deposits | 80.3892% | 3,152 |
| Total domestic deposits to total assets | 85.0347% | 3,727 |
| Equity capital to assets | 14.3441% | 1,022 |
| Core capital (leverage) ratio | 13.6835% | 953 |
| Tier 1 risk-based capital ratio | 19.3888% | 1,898 |
| Total risk-based capital ratio | 20.6414% | 1,873 |
| Memoranda: | ||
| Average total assets | $165,968,250 | 3,555 |
| Average earning assets | $144,744,250 | 3,680 |
| Average equity | $22,310,500 | 2,970 |
| Average total loans | $102,114,750 | 3,508 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3518% | 4,372 |
| Cost of funding earning assets | 0.3954% | 6,291 |
| Net interest margin | 3.9565% | 2,695 |
| Noninterest income to average assets | -0.7171% | 7,204 |
| Noninterest expense to average assets | 3.1235% | 2,838 |
| Loan and lease loss provision to assets | 0.1737% | 3,370 |
| Net operating income to assets | -0.5505% | 6,757 |
| Return on assets (ROA) | -0.1666% | 6,592 |
| Pretax return on assets | -0.1666% | 6,567 |
| Return on Equity (ROE) | -1.2652% | 6,563 |
| Retained earnings to average equity (ytd only) | -1.2652% | 6,249 |
| Net charge-offs to loans | 1.2745% | 844 |
| Credit loss provision to net charge-offs | 22.4085% | 4,568 |
| Earnings coverage of net charge-offs (x) | -0.4863% | 5,234 |
| Efficiency ratio | 113.7204% | 284 |
| Assets per employee ($millions) | 4.6089% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8957% | 2,575 |
| Loan loss allowance to noncurrent loans | 93.5844% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 5.0765% | 935 |
| Noncurrent loans to loans | 2.0257% | 2,918 |
| Net loans and leases to total assets | 64.5788% | 2,912 |
| Net loans and leases to deposits | 77.5912% | 2,736 |
| Net loans and leases to core deposits | 85.9805% | 2,429 |
| Total domestic deposits to total assets | 83.2295% | 4,665 |
| Equity capital to assets | 13.7286% | 1,207 |
| Core capital (leverage) ratio | 13.4074% | 1,010 |
| Tier 1 risk-based capital ratio | 19.0009% | 1,966 |
| Total risk-based capital ratio | 20.2566% | 1,949 |
| Memoranda: | ||
| Average total assets | $169,299,670 | 3,510 |
| Average earning assets | $148,213,000 | 3,638 |
| Average equity | $22,289,670 | 2,952 |
| Average total loans | $102,941,670 | 3,500 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3473% | 4,530 |
| Cost of funding earning assets | 0.4089% | 6,363 |
| Net interest margin | 3.9384% | 2,769 |
| Noninterest income to average assets | -1.1887% | 7,289 |
| Noninterest expense to average assets | 2.9453% | 3,462 |
| Loan and lease loss provision to assets | 0.0208% | 5,079 |
| Net operating income to assets | -0.6802% | 6,905 |
| Return on assets (ROA) | -0.2193% | 6,701 |
| Pretax return on assets | -0.2285% | 6,686 |
| Return on Equity (ROE) | -1.6993% | 6,666 |
| Retained earnings to average equity (ytd only) | -1.6993% | 6,239 |
| Net charge-offs to loans | 1.2870% | 791 |
| Credit loss provision to net charge-offs | 2.7607% | 3,972 |
| Earnings coverage of net charge-offs (x) | -0.9141% | 4,548 |
| Efficiency ratio | 130.4703% | 162 |
| Assets per employee ($millions) | 4.8255% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2321% | 1,824 |
| Loan loss allowance to noncurrent loans | 53.2352% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 6.1128% | 757 |
| Noncurrent loans to loans | 4.1929% | 1,443 |
| Net loans and leases to total assets | 57.1857% | 4,188 |
| Net loans and leases to deposits | 66.2965% | 4,328 |
| Net loans and leases to core deposits | 73.3471% | 3,978 |
| Total domestic deposits to total assets | 86.2575% | 3,381 |
| Equity capital to assets | 13.1771% | 1,368 |
| Core capital (leverage) ratio | 12.9907% | 1,131 |
| Tier 1 risk-based capital ratio | 19.0863% | 1,965 |
| Total risk-based capital ratio | 20.3442% | 1,930 |
| Memoranda: | ||
| Average total assets | $173,293,000 | 3,476 |
| Average earning assets | $151,635,500 | 3,583 |
| Average equity | $22,361,500 | 2,933 |
| Average total loans | $101,319,000 | 3,560 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6521% | 4,444 |
| Cost of funding earning assets | 0.6153% | 6,008 |
| Net interest margin | 4.0368% | 2,697 |
| Noninterest income to average assets | -0.0635% | 7,070 |
| Noninterest expense to average assets | 2.7462% | 4,569 |
| Loan and lease loss provision to assets | 0.7377% | 1,374 |
| Net operating income to assets | 0.0495% | 5,964 |
| Return on assets (ROA) | 0.2683% | 5,526 |
| Pretax return on assets | 0.2739% | 5,626 |
| Return on Equity (ROE) | 1.9444% | 5,682 |
| Retained earnings to average equity (ytd only) | 0.9655% | 5,409 |
| Net charge-offs to loans | 0.9257% | 1,877 |
| Credit loss provision to net charge-offs | 121.0526% | 2,622 |
| Earnings coverage of net charge-offs (x) | 1.2935% | 4,807 |
| Efficiency ratio | 77.6963% | 2,630 |
| Assets per employee ($millions) | 5.9231% | 1,292 |
| Cash dividends to net income (ytd only)* | 50.3448% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4285% | 1,411 |
| Loan loss allowance to noncurrent loans | 42.4079% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 6.1741% | 784 |
| Noncurrent loans to loans | 5.7265% | 901 |
| Net loans and leases to total assets | 57.0244% | 4,538 |
| Net loans and leases to deposits | 65.5813% | 4,789 |
| Net loans and leases to core deposits | 71.2501% | 4,627 |
| Total domestic deposits to total assets | 86.9523% | 2,794 |
| Equity capital to assets | 12.6442% | 1,705 |
| Core capital (leverage) ratio | 12.9221% | 1,171 |
| Tier 1 risk-based capital ratio | 18.7097% | 1,989 |
| Total risk-based capital ratio | 19.9704% | 1,943 |
| Memoranda: | ||
| Average total assets | $162,114,600 | 3,606 |
| Average earning assets | $144,494,000 | 3,666 |
| Average equity | $22,371,800 | 2,852 |
| Average total loans | $106,728,000 | 3,452 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7871% | 4,079 |
| Cost of funding earning assets | 0.6578% | 5,997 |
| Net interest margin | 4.1292% | 2,359 |
| Noninterest income to average assets | -0.0590% | 7,172 |
| Noninterest expense to average assets | 2.8045% | 4,324 |
| Loan and lease loss provision to assets | 0.6472% | 1,521 |
| Net operating income to assets | 0.1733% | 5,768 |
| Return on assets (ROA) | 0.3674% | 5,322 |
| Pretax return on assets | 0.3742% | 5,547 |
| Return on Equity (ROE) | 2.6012% | 5,584 |
| Retained earnings to average equity (ytd only) | 1.2947% | 5,487 |
| Net charge-offs to loans | 0.8488% | 1,877 |
| Credit loss provision to net charge-offs | 112.2807% | 2,913 |
| Earnings coverage of net charge-offs (x) | 1.4284% | 4,559 |
| Efficiency ratio | 77.3055% | 2,641 |
| Assets per employee ($millions) | 5.2541% | 1,869 |
| Cash dividends to net income (ytd only)* | 50.2288% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3693% | 1,587 |
| Loan loss allowance to noncurrent loans | 31.3300% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 6.9254% | 718 |
| Noncurrent loans to loans | 7.5625% | 615 |
| Net loans and leases to total assets | 62.6892% | 3,573 |
| Net loans and leases to deposits | 73.5444% | 3,715 |
| Net loans and leases to core deposits | 80.4986% | 3,565 |
| Total domestic deposits to total assets | 85.2400% | 3,653 |
| Equity capital to assets | 14.3400% | 1,044 |
| Core capital (leverage) ratio | 14.1587% | 858 |
| Tier 1 risk-based capital ratio | 19.3816% | 1,844 |
| Total risk-based capital ratio | 20.6422% | 1,813 |
| Memoranda: | ||
| Average total assets | $158,219,750 | 3,685 |
| Average earning assets | $141,266,500 | 3,741 |
| Average equity | $22,347,750 | 2,853 |
| Average total loans | $107,447,250 | 3,475 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8184% | 4,013 |
| Cost of funding earning assets | 0.6815% | 6,063 |
| Net interest margin | 4.1369% | 2,280 |
| Noninterest income to average assets | -0.0997% | 7,291 |
| Noninterest expense to average assets | 2.8128% | 4,375 |
| Loan and lease loss provision to assets | 0.9506% | 926 |
| Net operating income to assets | -0.1591% | 6,428 |
| Return on assets (ROA) | -0.0518% | 6,356 |
| Pretax return on assets | -0.0391% | 6,308 |
| Return on Equity (ROE) | -0.3683% | 6,341 |
| Retained earnings to average equity (ytd only) | -2.3357% | 6,297 |
| Net charge-offs to loans | 0.3086% | 3,329 |
| Credit loss provision to net charge-offs | 445.5621% | 681 |
| Earnings coverage of net charge-offs (x) | 3.7692% | 3,058 |
| Efficiency ratio | 77.7661% | 2,745 |
| Assets per employee ($millions) | 5.7783% | 1,321 |
| Cash dividends to net income (ytd only)* | -534.1463% | 7,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7303% | 1,146 |
| Loan loss allowance to noncurrent loans | 41.2233% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 7.1685% | 696 |
| Noncurrent loans to loans | 6.6232% | 826 |
| Net loans and leases to total assets | 66.1757% | 2,995 |
| Net loans and leases to deposits | 77.4495% | 3,225 |
| Net loans and leases to core deposits | 85.5554% | 2,987 |
| Total domestic deposits to total assets | 85.4437% | 3,649 |
| Equity capital to assets | 14.1474% | 1,047 |
| Core capital (leverage) ratio | 13.4905% | 998 |
| Tier 1 risk-based capital ratio | 18.2501% | 2,091 |
| Total risk-based capital ratio | 19.5143% | 2,044 |
| Memoranda: | ||
| Average total assets | $158,419,000 | 3,705 |
| Average earning assets | $142,328,670 | 3,754 |
| Average equity | $22,262,670 | 2,846 |
| Average total loans | $109,526,330 | 3,466 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8498% | 3,821 |
| Cost of funding earning assets | 0.7163% | 6,048 |
| Net interest margin | 4.1335% | 2,141 |
| Noninterest income to average assets | 0.0777% | 7,004 |
| Noninterest expense to average assets | 3.1174% | 3,185 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6666% | 3,679 |
| Return on assets (ROA) | 0.6666% | 3,751 |
| Pretax return on assets | 0.6766% | 4,394 |
| Return on Equity (ROE) | 4.7589% | 4,523 |
| Retained earnings to average equity (ytd only) | 4.7589% | 3,333 |
| Net charge-offs to loans | 0.0072% | 5,017 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 235 |
| Efficiency ratio | 82.1664% | 2,203 |
| Assets per employee ($millions) | 5.7011% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1660% | 2,038 |
| Loan loss allowance to noncurrent loans | 40.6470% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 6.0659% | 944 |
| Noncurrent loans to loans | 5.3288% | 1,235 |
| Net loans and leases to total assets | 65.4190% | 3,148 |
| Net loans and leases to deposits | 76.7307% | 3,292 |
| Net loans and leases to core deposits | 85.4281% | 2,968 |
| Total domestic deposits to total assets | 85.2579% | 3,915 |
| Equity capital to assets | 14.1357% | 968 |
| Core capital (leverage) ratio | 13.9979% | 850 |
| Tier 1 risk-based capital ratio | 18.3989% | 1,986 |
| Total risk-based capital ratio | 19.6575% | 1,938 |
| Memoranda: | ||
| Average total assets | $159,621,000 | 3,714 |
| Average earning assets | $143,512,000 | 3,762 |
| Average equity | $22,358,000 | 2,821 |
| Average total loans | $111,218,500 | 3,460 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3321% | 2,971 |
| Cost of funding earning assets | 0.8757% | 6,265 |
| Net interest margin | 4.4564% | 1,337 |
| Noninterest income to average assets | 0.0731% | 7,015 |
| Noninterest expense to average assets | 2.9834% | 3,912 |
| Loan and lease loss provision to assets | 0.6690% | 2,467 |
| Net operating income to assets | 0.4505% | 4,316 |
| Return on assets (ROA) | 0.4551% | 4,459 |
| Pretax return on assets | 0.4683% | 4,730 |
| Return on Equity (ROE) | 3.1468% | 4,897 |
| Retained earnings to average equity (ytd only) | 3.1468% | 3,665 |
| Net charge-offs to loans | 0.2263% | 4,932 |
| Credit loss provision to net charge-offs | 384.3511% | 647 |
| Earnings coverage of net charge-offs (x) | 6.5076% | 2,340 |
| Efficiency ratio | 72.4822% | 3,705 |
| Assets per employee ($millions) | 5.7004% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0001% | 2,305 |
| Loan loss allowance to noncurrent loans | 50.2606% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 5.1256% | 1,242 |
| Noncurrent loans to loans | 3.9794% | 1,827 |
| Net loans and leases to total assets | 71.0365% | 2,295 |
| Net loans and leases to deposits | 83.0497% | 2,616 |
| Net loans and leases to core deposits | 92.8333% | 2,405 |
| Total domestic deposits to total assets | 85.5348% | 3,583 |
| Equity capital to assets | 13.8781% | 1,076 |
| Core capital (leverage) ratio | 14.8721% | 682 |
| Tier 1 risk-based capital ratio | 16.9687% | 2,355 |
| Total risk-based capital ratio | 18.2251% | 2,320 |
| Memoranda: | ||
| Average total assets | $150,532,800 | 3,862 |
| Average earning assets | $136,568,800 | 3,885 |
| Average equity | $21,768,200 | 2,905 |
| Average total loans | $115,794,000 | 3,409 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4061% | 2,848 |
| Cost of funding earning assets | 0.9283% | 6,275 |
| Net interest margin | 4.4777% | 1,308 |
| Noninterest income to average assets | 0.0621% | 7,215 |
| Noninterest expense to average assets | 3.1241% | 3,221 |
| Loan and lease loss provision to assets | 0.7563% | 2,025 |
| Net operating income to assets | 0.2458% | 5,367 |
| Return on assets (ROA) | 0.2518% | 5,504 |
| Pretax return on assets | 0.2653% | 5,577 |
| Return on Equity (ROE) | 1.7226% | 5,697 |
| Retained earnings to average equity (ytd only) | 1.7226% | 5,101 |
| Net charge-offs to loans | 0.0886% | 5,644 |
| Credit loss provision to net charge-offs | 1,092.2078% | 272 |
| Earnings coverage of net charge-offs (x) | 14.6630% | 1,496 |
| Efficiency ratio | 75.4725% | 3,044 |
| Assets per employee ($millions) | 4.7987% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0522% | 2,096 |
| Loan loss allowance to noncurrent loans | 60.7236% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 4.8957% | 1,329 |
| Noncurrent loans to loans | 3.3795% | 2,358 |
| Net loans and leases to total assets | 80.0154% | 747 |
| Net loans and leases to deposits | 95.6796% | 1,023 |
| Net loans and leases to core deposits | 108.6108% | 1,120 |
| Total domestic deposits to total assets | 83.6284% | 4,307 |
| Equity capital to assets | 15.6264% | 742 |
| Core capital (leverage) ratio | 14.6663% | 779 |
| Tier 1 risk-based capital ratio | 17.2946% | 2,242 |
| Total risk-based capital ratio | 18.5519% | 2,201 |
| Memoranda: | ||
| Average total assets | $148,263,250 | 3,951 |
| Average earning assets | $135,005,750 | 3,973 |
| Average equity | $21,672,500 | 2,959 |
| Average total loans | $115,818,500 | 3,454 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2753% | 3,585 |
| Cost of funding earning assets | 0.9687% | 6,294 |
| Net interest margin | 4.3066% | 1,747 |
| Noninterest income to average assets | 0.0568% | 7,304 |
| Noninterest expense to average assets | 2.9716% | 3,821 |
| Loan and lease loss provision to assets | 1.0073% | 1,445 |
| Net operating income to assets | 0.0099% | 6,073 |
| Return on assets (ROA) | 0.0159% | 6,162 |
| Pretax return on assets | 0.0304% | 6,103 |
| Return on Equity (ROE) | 0.1109% | 6,165 |
| Retained earnings to average equity (ytd only) | 0.1109% | 5,699 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2895% | 3,415 |
| Assets per employee ($millions) | 5.7730% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9909% | 2,209 |
| Loan loss allowance to noncurrent loans | 54.4245% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 2.9676% | 2,405 |
| Noncurrent loans to loans | 3.6580% | 2,151 |
| Net loans and leases to total assets | 79.5103% | 875 |
| Net loans and leases to deposits | 94.0375% | 1,268 |
| Net loans and leases to core deposits | 109.8682% | 1,168 |
| Total domestic deposits to total assets | 84.5516% | 3,843 |
| Equity capital to assets | 14.9488% | 894 |
| Core capital (leverage) ratio | 14.3267% | 852 |
| Tier 1 risk-based capital ratio | 16.9542% | 2,295 |
| Total risk-based capital ratio | 18.2118% | 2,248 |
| Memoranda: | ||
| Average total assets | $151,297,000 | 3,932 |
| Average earning assets | $138,531,330 | 3,931 |
| Average equity | $21,648,000 | 2,956 |
| Average total loans | $116,530,000 | 3,465 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2136% | 3,949 |
| Cost of funding earning assets | 1.0332% | 6,212 |
| Net interest margin | 4.1804% | 2,120 |
| Noninterest income to average assets | 0.0646% | 7,398 |
| Noninterest expense to average assets | 2.8918% | 4,091 |
| Loan and lease loss provision to assets | 0.1189% | 5,405 |
| Net operating income to assets | 0.8967% | 2,553 |
| Return on assets (ROA) | 0.8967% | 2,628 |
| Pretax return on assets | 0.9122% | 3,424 |
| Return on Equity (ROE) | 6.4009% | 3,670 |
| Retained earnings to average equity (ytd only) | 6.4009% | 2,413 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7154% | 3,617 |
| Assets per employee ($millions) | 5.4491% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 4,267 |
| Loan loss allowance to noncurrent loans | 46.2507% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 2.3748% | 3,054 |
| Noncurrent loans to loans | 3.0912% | 2,590 |
| Net loans and leases to total assets | 75.7276% | 1,600 |
| Net loans and leases to deposits | 89.4031% | 2,003 |
| Net loans and leases to core deposits | 103.9901% | 1,740 |
| Total domestic deposits to total assets | 84.7036% | 3,808 |
| Equity capital to assets | 14.8750% | 914 |
| Core capital (leverage) ratio | 13.9635% | 969 |
| Tier 1 risk-based capital ratio | 17.2693% | 2,168 |
| Total risk-based capital ratio | 18.5201% | 2,121 |
| Memoranda: | ||
| Average total assets | $154,782,500 | 3,934 |
| Average earning assets | $142,856,500 | 3,893 |
| Average equity | $21,684,500 | 2,981 |
| Average total loans | $116,252,500 | 3,534 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3516% | 4,934 |
| Cost of funding earning assets | 1.4226% | 5,834 |
| Net interest margin | 3.9290% | 3,163 |
| Noninterest income to average assets | 0.0693% | 7,405 |
| Noninterest expense to average assets | 2.6845% | 5,458 |
| Loan and lease loss provision to assets | 0.4005% | 4,411 |
| Net operating income to assets | 0.5476% | 3,539 |
| Return on assets (ROA) | 0.5476% | 3,627 |
| Pretax return on assets | 0.5575% | 4,022 |
| Return on Equity (ROE) | 3.9553% | 4,105 |
| Retained earnings to average equity (ytd only) | 3.9553% | 2,431 |
| Net charge-offs to loans | 0.3074% | 4,710 |
| Credit loss provision to net charge-offs | 172.9345% | 2,451 |
| Earnings coverage of net charge-offs (x) | 4.1368% | 3,040 |
| Efficiency ratio | 73.7004% | 3,959 |
| Assets per employee ($millions) | 6.0163% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 4,682 |
| Loan loss allowance to noncurrent loans | 44.8670% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 2.1528% | 3,196 |
| Noncurrent loans to loans | 2.9270% | 2,636 |
| Net loans and leases to total assets | 72.5842% | 2,607 |
| Net loans and leases to deposits | 84.1067% | 3,240 |
| Net loans and leases to core deposits | 114.3299% | 2,471 |
| Total domestic deposits to total assets | 86.3001% | 2,872 |
| Equity capital to assets | 13.2259% | 1,426 |
| Core capital (leverage) ratio | 12.5943% | 1,409 |
| Tier 1 risk-based capital ratio | 15.7425% | 2,626 |
| Total risk-based capital ratio | 16.9005% | 2,602 |
| Memoranda: | ||
| Average total assets | $151,571,800 | 3,931 |
| Average earning assets | $137,847,000 | 3,943 |
| Average equity | $20,984,600 | 3,074 |
| Average total loans | $114,167,400 | 3,605 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3908% | 4,997 |
| Cost of funding earning assets | 1.5120% | 5,770 |
| Net interest margin | 3.8788% | 3,315 |
| Noninterest income to average assets | 0.0734% | 7,541 |
| Noninterest expense to average assets | 2.6701% | 5,455 |
| Loan and lease loss provision to assets | 0.3628% | 4,148 |
| Net operating income to assets | 0.5365% | 3,838 |
| Return on assets (ROA) | 0.5365% | 3,927 |
| Pretax return on assets | 0.5446% | 4,376 |
| Return on Equity (ROE) | 3.8287% | 4,447 |
| Retained earnings to average equity (ytd only) | 3.8287% | 3,152 |
| Net charge-offs to loans | 0.3308% | 3,982 |
| Credit loss provision to net charge-offs | 144.6429% | 3,366 |
| Earnings coverage of net charge-offs (x) | 3.6179% | 3,455 |
| Efficiency ratio | 74.6370% | 3,756 |
| Assets per employee ($millions) | 6.5022% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 4,832 |
| Loan loss allowance to noncurrent loans | 125.3484% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 5,717 |
| Noncurrent loans to loans | 0.9972% | 5,310 |
| Net loans and leases to total assets | 69.9392% | 3,528 |
| Net loans and leases to deposits | 80.8179% | 4,234 |
| Net loans and leases to core deposits | 107.5745% | 3,523 |
| Total domestic deposits to total assets | 86.5392% | 2,411 |
| Equity capital to assets | 13.0307% | 1,683 |
| Core capital (leverage) ratio | 13.4162% | 1,255 |
| Tier 1 risk-based capital ratio | 15.8902% | 2,669 |
| Total risk-based capital ratio | 16.9739% | 2,663 |
| Memoranda: | ||
| Average total assets | $148,855,000 | 3,992 |
| Average earning assets | $134,471,750 | 4,031 |
| Average equity | $20,859,750 | 3,117 |
| Average total loans | $112,840,750 | 3,657 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4711% | 4,778 |
| Cost of funding earning assets | 1.6159% | 5,684 |
| Net interest margin | 3.8552% | 3,320 |
| Noninterest income to average assets | 0.0762% | 7,603 |
| Noninterest expense to average assets | 2.7542% | 5,161 |
| Loan and lease loss provision to assets | 0.1303% | 5,793 |
| Net operating income to assets | 0.6293% | 3,555 |
| Return on assets (ROA) | 0.6293% | 3,663 |
| Pretax return on assets | 0.6376% | 4,209 |
| Return on Equity (ROE) | 4.3754% | 4,350 |
| Retained earnings to average equity (ytd only) | 4.3754% | 2,866 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1976% | 3,315 |
| Assets per employee ($millions) | 6.1861% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 4,848 |
| Loan loss allowance to noncurrent loans | 311.2832% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 6,706 |
| Noncurrent loans to loans | 0.3897% | 6,536 |
| Net loans and leases to total assets | 77.1840% | 1,916 |
| Net loans and leases to deposits | 90.3466% | 2,780 |
| Net loans and leases to core deposits | 128.3599% | 1,687 |
| Total domestic deposits to total assets | 85.4310% | 3,048 |
| Equity capital to assets | 14.1231% | 1,266 |
| Core capital (leverage) ratio | 14.4946% | 1,024 |
| Tier 1 risk-based capital ratio | 16.1513% | 2,567 |
| Total risk-based capital ratio | 17.2358% | 2,572 |
| Memoranda: | ||
| Average total assets | $144,288,670 | 4,098 |
| Average earning assets | $128,967,670 | 4,158 |
| Average equity | $20,752,330 | 3,130 |
| Average total loans | $112,078,330 | 3,718 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4816% | 5,009 |
| Cost of funding earning assets | 1.7699% | 5,259 |
| Net interest margin | 3.7117% | 3,839 |
| Noninterest income to average assets | 0.0591% | 7,778 |
| Noninterest expense to average assets | 2.6385% | 5,280 |
| Loan and lease loss provision to assets | 0.1406% | 5,144 |
| Net operating income to assets | 0.5541% | 4,205 |
| Return on assets (ROA) | 0.5541% | 4,388 |
| Pretax return on assets | 0.5598% | 4,882 |
| Return on Equity (ROE) | 3.8170% | 5,020 |
| Retained earnings to average equity (ytd only) | 3.8170% | 3,767 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0227% | 2,996 |
| Assets per employee ($millions) | 5.9148% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 4,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 77.1468% | 2,003 |
| Net loans and leases to deposits | 90.7459% | 2,822 |
| Net loans and leases to core deposits | 128.1423% | 1,775 |
| Total domestic deposits to total assets | 85.0142% | 3,196 |
| Equity capital to assets | 14.6061% | 1,208 |
| Core capital (leverage) ratio | 15.4246% | 881 |
| Tier 1 risk-based capital ratio | 16.6954% | 2,452 |
| Total risk-based capital ratio | 17.7957% | 2,430 |
| Memoranda: | ||
| Average total assets | $142,200,000 | 4,146 |
| Average earning assets | $125,656,000 | 4,249 |
| Average equity | $20,644,500 | 3,160 |
| Average total loans | $110,118,000 | 3,786 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3665% | 3,599 |
| Cost of funding earning assets | 2.4708% | 4,363 |
| Net interest margin | 3.8956% | 3,582 |
| Noninterest income to average assets | 0.0912% | 7,677 |
| Noninterest expense to average assets | 2.8916% | 4,475 |
| Loan and lease loss provision to assets | 0.3277% | 3,768 |
| Net operating income to assets | 0.2559% | 5,690 |
| Return on assets (ROA) | 0.2559% | 5,504 |
| Pretax return on assets | 0.2593% | 5,609 |
| Return on Equity (ROE) | 1.4946% | 5,770 |
| Retained earnings to average equity (ytd only) | 1.4946% | 4,330 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1270% | 2,162 |
| Assets per employee ($millions) | 6.7831% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 4,529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 75.8505% | 2,665 |
| Net loans and leases to deposits | 89.0881% | 3,621 |
| Net loans and leases to core deposits | 127.0233% | 2,081 |
| Total domestic deposits to total assets | 85.1410% | 2,780 |
| Equity capital to assets | 14.4300% | 1,316 |
| Core capital (leverage) ratio | 15.0352% | 1,022 |
| Tier 1 risk-based capital ratio | 16.2177% | 2,579 |
| Total risk-based capital ratio | 17.2565% | 2,607 |
| Memoranda: | ||
| Average total assets | $118,411,600 | 4,565 |
| Average earning assets | $102,961,200 | 4,716 |
| Average equity | $20,273,000 | 3,184 |
| Average total loans | $92,329,800 | 4,149 |