Home > The Arlington Bank > Performance and Condition Ratios
The Arlington Bank, Performance and Condition Ratios
| 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 | 4.0793% | 2,730 |
| Cost of funding earning assets | 0.4231% | 2,787 |
| Net interest margin | 3.6562% | 2,669 |
| Noninterest income to average assets | 0.8597% | 1,368 |
| Noninterest expense to average assets | 3.2205% | 1,553 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7918% | 3,260 |
| Return on assets (ROA) | 0.7918% | 3,317 |
| Pretax return on assets | 1.2044% | 2,581 |
| Return on Equity (ROE) | 7.0330% | 3,385 |
| Retained earnings to average equity (ytd only) | 7.0330% | 1,838 |
| Net charge-offs to loans | 0.0411% | 2,001 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 37.7083% | 1,070 |
| Efficiency ratio | 72.7820% | 2,446 |
| Assets per employee ($millions) | 4.7117% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 2,013 |
| Loan loss allowance to noncurrent loans | 167.2792% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.6778% | 2,599 |
| Noncurrent loans to loans | 0.8465% | 2,340 |
| Net loans and leases to total assets | 78.1001% | 1,124 |
| Net loans and leases to deposits | 90.7529% | 1,457 |
| Net loans and leases to core deposits | 98.0443% | 1,653 |
| Total domestic deposits to total assets | 86.0580% | 2,639 |
| Equity capital to assets | 11.6981% | 2,037 |
| Core capital (leverage) ratio | 11.6021% | 1,878 |
| Tier 1 risk-based capital ratio | 16.4132% | 2,392 |
| Total risk-based capital ratio | 17.6668% | 2,336 |
| Memoranda: | ||
| Average total assets | $300,575,500 | 2,208 |
| Average earning assets | $293,089,000 | 2,112 |
| Average equity | $33,840,500 | 2,159 |
| Average total loans | $233,356,500 | 1,936 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 2,105 |
| Cost of funding earning assets | 0.4851% | 2,207 |
| Net interest margin | 3.8269% | 2,222 |
| Noninterest income to average assets | 1.5567% | 499 |
| Noninterest expense to average assets | 3.1886% | 1,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3862% | 1,035 |
| Return on assets (ROA) | 1.3862% | 1,074 |
| Pretax return on assets | 2.1049% | 397 |
| Return on Equity (ROE) | 12.4019% | 1,143 |
| Retained earnings to average equity (ytd only) | 5.5714% | 1,972 |
| Net charge-offs to loans | 0.0108% | 3,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 242.1923% | 294 |
| Efficiency ratio | 60.2362% | 4,545 |
| Assets per employee ($millions) | 4.6123% | 2,941 |
| Cash dividends to net income (ytd only)* | 55.0760% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 2,062 |
| Loan loss allowance to noncurrent loans | 134.7897% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.8071% | 2,335 |
| Noncurrent loans to loans | 1.0409% | 1,999 |
| Net loans and leases to total assets | 75.0697% | 1,679 |
| Net loans and leases to deposits | 87.6579% | 1,964 |
| Net loans and leases to core deposits | 95.6836% | 1,952 |
| Total domestic deposits to total assets | 85.6394% | 2,761 |
| Equity capital to assets | 10.8431% | 2,769 |
| Core capital (leverage) ratio | 11.0394% | 2,307 |
| Tier 1 risk-based capital ratio | 16.0635% | 2,512 |
| Total risk-based capital ratio | 17.3174% | 2,457 |
| Memoranda: | ||
| Average total assets | $299,158,400 | 2,169 |
| Average earning assets | $292,117,800 | 2,085 |
| Average equity | $33,438,400 | 2,157 |
| Average total loans | $240,788,400 | 1,842 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 2,082 |
| Cost of funding earning assets | 0.4873% | 2,198 |
| Net interest margin | 3.8421% | 2,186 |
| Noninterest income to average assets | 1.5908% | 486 |
| Noninterest expense to average assets | 3.2307% | 1,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3918% | 1,086 |
| Return on assets (ROA) | 1.3918% | 1,141 |
| Pretax return on assets | 2.1126% | 452 |
| Return on Equity (ROE) | 12.3552% | 1,216 |
| Retained earnings to average equity (ytd only) | 12.3552% | 264 |
| Net charge-offs to loans | 0.0061% | 3,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 427.2556% | 205 |
| Efficiency ratio | 60.4626% | 4,468 |
| Assets per employee ($millions) | 4.6272% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 2,381 |
| Loan loss allowance to noncurrent loans | 153.8997% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.7675% | 2,633 |
| Noncurrent loans to loans | 0.8845% | 2,492 |
| Net loans and leases to total assets | 78.6570% | 1,090 |
| Net loans and leases to deposits | 92.5549% | 1,425 |
| Net loans and leases to core deposits | 100.6722% | 1,573 |
| Total domestic deposits to total assets | 84.9841% | 2,814 |
| Equity capital to assets | 11.4736% | 2,534 |
| Core capital (leverage) ratio | 11.7300% | 1,858 |
| Tier 1 risk-based capital ratio | 16.5348% | 2,403 |
| Total risk-based capital ratio | 17.7884% | 2,355 |
| Memoranda: | ||
| Average total assets | $296,691,500 | 2,190 |
| Average earning assets | $289,762,750 | 2,105 |
| Average equity | $33,421,000 | 2,177 |
| Average total loans | $242,164,000 | 1,841 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2871% | 2,189 |
| Cost of funding earning assets | 0.4901% | 2,188 |
| Net interest margin | 3.7970% | 2,332 |
| Noninterest income to average assets | 1.4432% | 556 |
| Noninterest expense to average assets | 3.1880% | 1,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2921% | 1,288 |
| Return on assets (ROA) | 1.2921% | 1,402 |
| Pretax return on assets | 1.9626% | 615 |
| Return on Equity (ROE) | 11.5445% | 1,462 |
| Retained earnings to average equity (ytd only) | 11.5445% | 383 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8953% | 4,363 |
| Assets per employee ($millions) | 4.2710% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 2,483 |
| Loan loss allowance to noncurrent loans | 372.4524% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 4,071 |
| Noncurrent loans to loans | 0.3654% | 4,053 |
| Net loans and leases to total assets | 80.6348% | 806 |
| Net loans and leases to deposits | 94.7588% | 1,213 |
| Net loans and leases to core deposits | 104.2162% | 1,303 |
| Total domestic deposits to total assets | 85.0948% | 2,834 |
| Equity capital to assets | 11.3500% | 2,694 |
| Core capital (leverage) ratio | 11.2769% | 2,168 |
| Tier 1 risk-based capital ratio | 16.7125% | 2,342 |
| Total risk-based capital ratio | 17.9673% | 2,297 |
| Memoranda: | ||
| Average total assets | $293,789,670 | 2,217 |
| Average earning assets | $286,858,670 | 2,133 |
| Average equity | $32,881,330 | 2,203 |
| Average total loans | $241,708,330 | 1,848 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2328% | 2,354 |
| Cost of funding earning assets | 0.4798% | 2,279 |
| Net interest margin | 3.7529% | 2,468 |
| Noninterest income to average assets | 1.1882% | 779 |
| Noninterest expense to average assets | 3.0687% | 2,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1745% | 1,631 |
| Return on assets (ROA) | 1.1745% | 1,736 |
| Pretax return on assets | 1.7830% | 874 |
| Return on Equity (ROE) | 10.5701% | 1,759 |
| Retained earnings to average equity (ytd only) | 10.5701% | 725 |
| Net charge-offs to loans | 0.0200% | 2,538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 108.1667% | 512 |
| Efficiency ratio | 63.2503% | 4,269 |
| Assets per employee ($millions) | 4.4899% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 2,547 |
| Loan loss allowance to noncurrent loans | 351.8047% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.3483% | 4,172 |
| Noncurrent loans to loans | 0.3905% | 4,039 |
| Net loans and leases to total assets | 80.2810% | 777 |
| Net loans and leases to deposits | 94.0379% | 1,140 |
| Net loans and leases to core deposits | 103.9882% | 1,193 |
| Total domestic deposits to total assets | 85.3708% | 2,970 |
| Equity capital to assets | 11.0690% | 2,864 |
| Core capital (leverage) ratio | 11.3466% | 2,100 |
| Tier 1 risk-based capital ratio | 16.6844% | 2,403 |
| Total risk-based capital ratio | 17.9397% | 2,345 |
| Memoranda: | ||
| Average total assets | $291,200,000 | 2,239 |
| Average earning assets | $284,257,500 | 2,155 |
| Average equity | $32,355,500 | 2,230 |
| Average total loans | $240,363,000 | 1,855 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3187% | 2,159 |
| Cost of funding earning assets | 0.4641% | 2,493 |
| Net interest margin | 3.8545% | 2,186 |
| Noninterest income to average assets | 1.3629% | 649 |
| Noninterest expense to average assets | 3.2204% | 1,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2556% | 1,374 |
| Return on assets (ROA) | 1.2631% | 1,405 |
| Pretax return on assets | 1.9197% | 642 |
| Return on Equity (ROE) | 11.1633% | 1,558 |
| Retained earnings to average equity (ytd only) | 4.0172% | 3,164 |
| Net charge-offs to loans | 0.0267% | 3,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 85.3016% | 662 |
| Efficiency ratio | 62.7917% | 4,477 |
| Assets per employee ($millions) | 4.2069% | 3,556 |
| Cash dividends to net income (ytd only)* | 64.0146% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 2,482 |
| Loan loss allowance to noncurrent loans | 246.7359% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 3,605 |
| Noncurrent loans to loans | 0.5628% | 3,486 |
| Net loans and leases to total assets | 82.5635% | 540 |
| Net loans and leases to deposits | 97.0394% | 903 |
| Net loans and leases to core deposits | 108.4710% | 946 |
| Total domestic deposits to total assets | 85.0825% | 3,051 |
| Equity capital to assets | 11.1547% | 2,674 |
| Core capital (leverage) ratio | 11.2341% | 2,172 |
| Tier 1 risk-based capital ratio | 16.5293% | 2,462 |
| Total risk-based capital ratio | 17.7850% | 2,418 |
| Memoranda: | ||
| Average total assets | $281,613,000 | 2,257 |
| Average earning assets | $275,130,600 | 2,166 |
| Average equity | $31,863,200 | 2,208 |
| Average total loans | $235,655,800 | 1,834 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3540% | 2,063 |
| Cost of funding earning assets | 0.4626% | 2,556 |
| Net interest margin | 3.8914% | 2,061 |
| Noninterest income to average assets | 1.4117% | 625 |
| Noninterest expense to average assets | 3.2826% | 1,733 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2713% | 1,422 |
| Return on assets (ROA) | 1.2791% | 1,452 |
| Pretax return on assets | 1.9436% | 676 |
| Return on Equity (ROE) | 11.2645% | 1,603 |
| Retained earnings to average equity (ytd only) | 11.2645% | 442 |
| Net charge-offs to loans | 0.0074% | 3,910 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 312.6676% | 230 |
| Efficiency ratio | 62.9535% | 4,410 |
| Assets per employee ($millions) | 4.3748% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 2,647 |
| Loan loss allowance to noncurrent loans | 123.8445% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.9586% | 2,456 |
| Noncurrent loans to loans | 1.1225% | 2,260 |
| Net loans and leases to total assets | 84.2161% | 370 |
| Net loans and leases to deposits | 99.7127% | 676 |
| Net loans and leases to core deposits | 106.0769% | 1,094 |
| Total domestic deposits to total assets | 84.4587% | 3,235 |
| Equity capital to assets | 11.7267% | 2,327 |
| Core capital (leverage) ratio | 11.9326% | 1,711 |
| Tier 1 risk-based capital ratio | 17.2314% | 2,283 |
| Total risk-based capital ratio | 18.4872% | 2,232 |
| Memoranda: | ||
| Average total assets | $280,499,500 | 2,279 |
| Average earning assets | $274,099,500 | 2,191 |
| Average equity | $31,851,500 | 2,222 |
| Average total loans | $234,691,500 | 1,844 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2944% | 2,185 |
| Cost of funding earning assets | 0.4669% | 2,543 |
| Net interest margin | 3.8275% | 2,212 |
| Noninterest income to average assets | 1.1540% | 900 |
| Noninterest expense to average assets | 3.2620% | 1,813 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0736% | 2,044 |
| Return on assets (ROA) | 1.0888% | 2,083 |
| Pretax return on assets | 1.6554% | 1,181 |
| Return on Equity (ROE) | 9.6959% | 2,208 |
| Retained earnings to average equity (ytd only) | 9.6959% | 730 |
| Net charge-offs to loans | -0.0052% | 4,750 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6472% | 3,889 |
| Assets per employee ($millions) | 4.1856% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 2,709 |
| Loan loss allowance to noncurrent loans | 147.8659% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.8187% | 2,928 |
| Noncurrent loans to loans | 0.9535% | 2,739 |
| Net loans and leases to total assets | 84.6547% | 327 |
| Net loans and leases to deposits | 104.3017% | 436 |
| Net loans and leases to core deposits | 110.8424% | 789 |
| Total domestic deposits to total assets | 81.1633% | 4,561 |
| Equity capital to assets | 11.4498% | 2,459 |
| Core capital (leverage) ratio | 11.5168% | 1,979 |
| Tier 1 risk-based capital ratio | 16.4417% | 2,637 |
| Total risk-based capital ratio | 17.6974% | 2,595 |
| Memoranda: | ||
| Average total assets | $279,213,000 | 2,310 |
| Average earning assets | $272,866,000 | 2,213 |
| Average equity | $31,353,330 | 2,258 |
| Average total loans | $231,971,330 | 1,868 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0844% | 2,900 |
| Cost of funding earning assets | 0.4698% | 2,566 |
| Net interest margin | 3.6146% | 2,944 |
| Noninterest income to average assets | 1.0639% | 997 |
| Noninterest expense to average assets | 3.0237% | 2,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0366% | 2,091 |
| Return on assets (ROA) | 1.0366% | 2,242 |
| Pretax return on assets | 1.5750% | 1,333 |
| Return on Equity (ROE) | 9.3235% | 2,301 |
| Retained earnings to average equity (ytd only) | 9.3235% | 1,095 |
| Net charge-offs to loans | -0.0035% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7509% | 4,200 |
| Assets per employee ($millions) | 4.4804% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 2,599 |
| Loan loss allowance to noncurrent loans | 160.1983% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 3,206 |
| Noncurrent loans to loans | 0.9136% | 2,956 |
| Net loans and leases to total assets | 82.2310% | 440 |
| Net loans and leases to deposits | 96.8740% | 777 |
| Net loans and leases to core deposits | 105.4983% | 969 |
| Total domestic deposits to total assets | 84.8845% | 3,464 |
| Equity capital to assets | 11.2943% | 2,652 |
| Core capital (leverage) ratio | 11.2260% | 2,211 |
| Tier 1 risk-based capital ratio | 16.7011% | 2,595 |
| Total risk-based capital ratio | 17.9579% | 2,542 |
| Memoranda: | ||
| Average total assets | $278,603,500 | 2,322 |
| Average earning assets | $272,454,000 | 2,231 |
| Average equity | $30,975,500 | 2,295 |
| Average total loans | $227,560,000 | 1,893 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2528% | 2,766 |
| Cost of funding earning assets | 0.4904% | 2,769 |
| Net interest margin | 3.7624% | 2,763 |
| Noninterest income to average assets | 1.1981% | 837 |
| Noninterest expense to average assets | 3.0744% | 2,609 |
| Loan and lease loss provision to assets | 0.0372% | 3,835 |
| Net operating income to assets | 1.1299% | 1,866 |
| Return on assets (ROA) | 1.1330% | 1,910 |
| Pretax return on assets | 1.7609% | 866 |
| Return on Equity (ROE) | 10.0277% | 2,104 |
| Retained earnings to average equity (ytd only) | 3.7983% | 3,510 |
| Net charge-offs to loans | 0.0552% | 3,729 |
| Credit loss provision to net charge-offs | 82.6446% | 2,817 |
| Earnings coverage of net charge-offs (x) | 39.8182% | 1,092 |
| Efficiency ratio | 63.1595% | 4,729 |
| Assets per employee ($millions) | 4.4352% | 3,143 |
| Cash dividends to net income (ytd only)* | 62.1222% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 2,394 |
| Loan loss allowance to noncurrent loans | 199.8821% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.6070% | 3,770 |
| Noncurrent loans to loans | 0.7595% | 3,423 |
| Net loans and leases to total assets | 78.7023% | 917 |
| Net loans and leases to deposits | 92.3348% | 1,255 |
| Net loans and leases to core deposits | 100.7994% | 1,337 |
| Total domestic deposits to total assets | 85.2358% | 3,193 |
| Equity capital to assets | 10.9430% | 2,957 |
| Core capital (leverage) ratio | 10.9027% | 2,493 |
| Tier 1 risk-based capital ratio | 15.9132% | 3,009 |
| Total risk-based capital ratio | 17.1695% | 2,949 |
| Memoranda: | ||
| Average total assets | $268,666,400 | 2,364 |
| Average earning assets | $262,036,800 | 2,257 |
| Average equity | $30,355,800 | 2,248 |
| Average total loans | $219,215,800 | 1,907 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2756% | 2,726 |
| Cost of funding earning assets | 0.4927% | 2,841 |
| Net interest margin | 3.7829% | 2,678 |
| Noninterest income to average assets | 1.2357% | 796 |
| Noninterest expense to average assets | 3.1445% | 2,335 |
| Loan and lease loss provision to assets | 0.0501% | 3,371 |
| Net operating income to assets | 1.1354% | 1,914 |
| Return on assets (ROA) | 1.1394% | 1,963 |
| Pretax return on assets | 1.7339% | 1,007 |
| Return on Equity (ROE) | 10.0018% | 2,217 |
| Retained earnings to average equity (ytd only) | 10.0018% | 710 |
| Net charge-offs to loans | 0.0513% | 3,478 |
| Credit loss provision to net charge-offs | 119.0476% | 1,925 |
| Earnings coverage of net charge-offs (x) | 42.2252% | 1,087 |
| Efficiency ratio | 63.8798% | 4,567 |
| Assets per employee ($millions) | 4.1354% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 2,427 |
| Loan loss allowance to noncurrent loans | 185.8460% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.7738% | 3,498 |
| Noncurrent loans to loans | 0.8436% | 3,464 |
| Net loans and leases to total assets | 80.0415% | 708 |
| Net loans and leases to deposits | 94.6427% | 981 |
| Net loans and leases to core deposits | 102.0190% | 1,212 |
| Total domestic deposits to total assets | 84.5723% | 3,512 |
| Equity capital to assets | 11.7127% | 2,298 |
| Core capital (leverage) ratio | 11.7291% | 1,891 |
| Tier 1 risk-based capital ratio | 17.2317% | 2,507 |
| Total risk-based capital ratio | 18.4896% | 2,466 |
| Memoranda: | ||
| Average total assets | $265,978,000 | 2,405 |
| Average earning assets | $259,230,000 | 2,299 |
| Average equity | $30,300,500 | 2,267 |
| Average total loans | $218,194,750 | 1,927 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2400% | 2,807 |
| Cost of funding earning assets | 0.4976% | 2,857 |
| Net interest margin | 3.7424% | 2,788 |
| Noninterest income to average assets | 1.1523% | 884 |
| Noninterest expense to average assets | 3.1256% | 2,411 |
| Loan and lease loss provision to assets | 0.0755% | 2,765 |
| Net operating income to assets | 1.0525% | 2,114 |
| Return on assets (ROA) | 1.0580% | 2,165 |
| Pretax return on assets | 1.6088% | 1,230 |
| Return on Equity (ROE) | 9.3760% | 2,425 |
| Retained earnings to average equity (ytd only) | 9.3760% | 857 |
| Net charge-offs to loans | 0.0468% | 3,312 |
| Credit loss provision to net charge-offs | 196.0784% | 1,197 |
| Earnings coverage of net charge-offs (x) | 43.5490% | 995 |
| Efficiency ratio | 65.0951% | 4,513 |
| Assets per employee ($millions) | 3.9719% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 2,588 |
| Loan loss allowance to noncurrent loans | 144.3471% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.9007% | 3,289 |
| Noncurrent loans to loans | 1.0863% | 3,056 |
| Net loans and leases to total assets | 81.6199% | 501 |
| Net loans and leases to deposits | 96.3219% | 780 |
| Net loans and leases to core deposits | 104.9098% | 965 |
| Total domestic deposits to total assets | 84.7366% | 3,624 |
| Equity capital to assets | 11.5169% | 2,413 |
| Core capital (leverage) ratio | 11.3756% | 2,099 |
| Tier 1 risk-based capital ratio | 16.8187% | 2,700 |
| Total risk-based capital ratio | 18.0764% | 2,661 |
| Memoranda: | ||
| Average total assets | $265,036,330 | 2,410 |
| Average earning assets | $258,442,670 | 2,294 |
| Average equity | $29,906,000 | 2,279 |
| Average total loans | $218,066,000 | 1,919 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2653% | 2,652 |
| Cost of funding earning assets | 0.4979% | 2,925 |
| Net interest margin | 3.7674% | 2,606 |
| Noninterest income to average assets | 1.1614% | 824 |
| Noninterest expense to average assets | 3.0261% | 2,782 |
| Loan and lease loss provision to assets | 0.1134% | 2,064 |
| Net operating income to assets | 1.1172% | 1,743 |
| Return on assets (ROA) | 1.1282% | 1,771 |
| Pretax return on assets | 1.7119% | 951 |
| Return on Equity (ROE) | 10.1033% | 1,996 |
| Retained earnings to average equity (ytd only) | 10.1033% | 934 |
| Net charge-offs to loans | -0.0314% | 5,582 |
| Credit loss provision to net charge-offs | -441.1765% | 5,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5899% | 5,050 |
| Assets per employee ($millions) | 4.1505% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6476% | 2,523 |
| Loan loss allowance to noncurrent loans | 161.0575% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.8188% | 3,687 |
| Noncurrent loans to loans | 1.0230% | 3,378 |
| Net loans and leases to total assets | 78.7226% | 685 |
| Net loans and leases to deposits | 92.9965% | 873 |
| Net loans and leases to core deposits | 100.6454% | 1,060 |
| Total domestic deposits to total assets | 84.6511% | 4,021 |
| Equity capital to assets | 11.2845% | 2,447 |
| Core capital (leverage) ratio | 11.4553% | 2,001 |
| Tier 1 risk-based capital ratio | 17.0132% | 2,682 |
| Total risk-based capital ratio | 18.2719% | 2,632 |
| Memoranda: | ||
| Average total assets | $264,497,500 | 2,419 |
| Average earning assets | $257,894,500 | 2,299 |
| Average equity | $29,535,000 | 2,293 |
| Average total loans | $216,768,000 | 1,924 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3974% | 2,601 |
| Cost of funding earning assets | 0.5173% | 3,428 |
| Net interest margin | 3.8801% | 2,370 |
| Noninterest income to average assets | 1.8029% | 460 |
| Noninterest expense to average assets | 3.3515% | 1,994 |
| Loan and lease loss provision to assets | 0.2294% | 1,579 |
| Net operating income to assets | 1.3170% | 1,211 |
| Return on assets (ROA) | 1.3387% | 1,199 |
| Pretax return on assets | 2.0350% | 444 |
| Return on Equity (ROE) | 12.1611% | 1,371 |
| Retained earnings to average equity (ytd only) | 5.6446% | 2,188 |
| Net charge-offs to loans | 0.1568% | 3,237 |
| Credit loss provision to net charge-offs | 174.9271% | 1,311 |
| Earnings coverage of net charge-offs (x) | 17.0146% | 1,746 |
| Efficiency ratio | 60.0301% | 5,470 |
| Assets per employee ($millions) | 3.9904% | 3,885 |
| Cash dividends to net income (ytd only)* | 53.5847% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 2,985 |
| Loan loss allowance to noncurrent loans | 164.2273% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.7886% | 3,912 |
| Noncurrent loans to loans | 0.9401% | 3,634 |
| Net loans and leases to total assets | 82.5892% | 361 |
| Net loans and leases to deposits | 100.1607% | 476 |
| Net loans and leases to core deposits | 109.0127% | 652 |
| Total domestic deposits to total assets | 82.4567% | 4,724 |
| Equity capital to assets | 11.0474% | 2,570 |
| Core capital (leverage) ratio | 11.1471% | 2,241 |
| Tier 1 risk-based capital ratio | 15.9280% | 3,131 |
| Total risk-based capital ratio | 17.1858% | 3,083 |
| Memoranda: | ||
| Average total assets | $261,524,800 | 2,422 |
| Average earning assets | $254,789,200 | 2,289 |
| Average equity | $28,788,600 | 2,320 |
| Average total loans | $218,703,800 | 1,873 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 2,561 |
| Cost of funding earning assets | 0.5232% | 3,535 |
| Net interest margin | 3.8879% | 2,319 |
| Noninterest income to average assets | 1.9423% | 436 |
| Noninterest expense to average assets | 3.2099% | 2,336 |
| Loan and lease loss provision to assets | 0.2298% | 1,576 |
| Net operating income to assets | 1.5072% | 884 |
| Return on assets (ROA) | 1.5362% | 884 |
| Pretax return on assets | 2.3340% | 301 |
| Return on Equity (ROE) | 13.9683% | 1,003 |
| Retained earnings to average equity (ytd only) | 13.9683% | 253 |
| Net charge-offs to loans | 0.1510% | 3,033 |
| Credit loss provision to net charge-offs | 182.1862% | 1,329 |
| Earnings coverage of net charge-offs (x) | 19.9754% | 1,609 |
| Efficiency ratio | 56.0210% | 5,900 |
| Assets per employee ($millions) | 4.1120% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 3,209 |
| Loan loss allowance to noncurrent loans | 102.3795% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.2653% | 3,109 |
| Noncurrent loans to loans | 1.5182% | 2,892 |
| Net loans and leases to total assets | 82.0485% | 367 |
| Net loans and leases to deposits | 98.5077% | 537 |
| Net loans and leases to core deposits | 109.3655% | 603 |
| Total domestic deposits to total assets | 83.2915% | 4,466 |
| Equity capital to assets | 11.6738% | 2,147 |
| Core capital (leverage) ratio | 11.4613% | 2,073 |
| Tier 1 risk-based capital ratio | 17.1134% | 2,662 |
| Total risk-based capital ratio | 18.3712% | 2,622 |
| Memoranda: | ||
| Average total assets | $261,064,500 | 2,448 |
| Average earning assets | $254,320,250 | 2,298 |
| Average equity | $28,712,000 | 2,350 |
| Average total loans | $218,149,000 | 1,876 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3858% | 2,624 |
| Cost of funding earning assets | 0.5295% | 3,611 |
| Net interest margin | 3.8563% | 2,353 |
| Noninterest income to average assets | 2.0013% | 446 |
| Noninterest expense to average assets | 3.2132% | 2,317 |
| Loan and lease loss provision to assets | 0.2292% | 1,633 |
| Net operating income to assets | 1.5246% | 863 |
| Return on assets (ROA) | 1.5680% | 859 |
| Pretax return on assets | 2.3811% | 315 |
| Return on Equity (ROE) | 14.5522% | 897 |
| Retained earnings to average equity (ytd only) | 14.5522% | 266 |
| Net charge-offs to loans | 0.1261% | 3,113 |
| Credit loss provision to net charge-offs | 217.3913% | 1,114 |
| Earnings coverage of net charge-offs (x) | 24.1304% | 1,308 |
| Efficiency ratio | 55.8062% | 5,987 |
| Assets per employee ($millions) | 3.9265% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 3,437 |
| Loan loss allowance to noncurrent loans | 92.2884% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.3806% | 3,032 |
| Noncurrent loans to loans | 1.6599% | 2,822 |
| Net loans and leases to total assets | 80.9969% | 440 |
| Net loans and leases to deposits | 96.5050% | 634 |
| Net loans and leases to core deposits | 106.7289% | 705 |
| Total domestic deposits to total assets | 83.9303% | 4,347 |
| Equity capital to assets | 11.1106% | 2,647 |
| Core capital (leverage) ratio | 11.0541% | 2,302 |
| Tier 1 risk-based capital ratio | 17.0895% | 2,682 |
| Total risk-based capital ratio | 18.3478% | 2,649 |
| Memoranda: | ||
| Average total assets | $261,733,000 | 2,444 |
| Average earning assets | $254,959,330 | 2,307 |
| Average equity | $28,202,000 | 2,413 |
| Average total loans | $218,895,330 | 1,865 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4280% | 2,431 |
| Cost of funding earning assets | 0.5478% | 3,595 |
| Net interest margin | 3.8802% | 2,180 |
| Noninterest income to average assets | 1.8938% | 461 |
| Noninterest expense to average assets | 3.0935% | 2,698 |
| Loan and lease loss provision to assets | 0.2298% | 1,591 |
| Net operating income to assets | 1.5460% | 771 |
| Return on assets (ROA) | 1.5460% | 847 |
| Pretax return on assets | 2.3473% | 331 |
| Return on Equity (ROE) | 14.5764% | 850 |
| Retained earnings to average equity (ytd only) | 14.5764% | 390 |
| Net charge-offs to loans | 0.0727% | 3,116 |
| Credit loss provision to net charge-offs | 375.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 42.0500% | 755 |
| Efficiency ratio | 54.5528% | 6,187 |
| Assets per employee ($millions) | 4.2581% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 3,752 |
| Loan loss allowance to noncurrent loans | 83.1381% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.5908% | 2,878 |
| Noncurrent loans to loans | 1.8236% | 2,833 |
| Net loans and leases to total assets | 81.6279% | 297 |
| Net loans and leases to deposits | 97.0188% | 489 |
| Net loans and leases to core deposits | 103.4092% | 746 |
| Total domestic deposits to total assets | 84.1362% | 4,417 |
| Equity capital to assets | 10.8531% | 3,138 |
| Core capital (leverage) ratio | 10.8833% | 2,367 |
| Tier 1 risk-based capital ratio | 16.2309% | 3,141 |
| Total risk-based capital ratio | 17.4886% | 3,086 |
| Memoranda: | ||
| Average total assets | $261,063,000 | 2,478 |
| Average earning assets | $254,112,500 | 2,337 |
| Average equity | $27,688,500 | 2,471 |
| Average total loans | $220,145,000 | 1,867 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3659% | 3,959 |
| Cost of funding earning assets | 0.6803% | 3,649 |
| Net interest margin | 3.6856% | 3,709 |
| Noninterest income to average assets | 1.3445% | 854 |
| Noninterest expense to average assets | 2.9875% | 3,321 |
| Loan and lease loss provision to assets | 0.2947% | 2,318 |
| Net operating income to assets | 1.0910% | 1,968 |
| Return on assets (ROA) | 1.0910% | 2,155 |
| Pretax return on assets | 1.6470% | 1,270 |
| Return on Equity (ROE) | 10.5168% | 1,965 |
| Retained earnings to average equity (ytd only) | 6.3320% | 1,907 |
| Net charge-offs to loans | 0.2613% | 3,374 |
| Credit loss provision to net charge-offs | 137.6147% | 2,005 |
| Earnings coverage of net charge-offs (x) | 9.0679% | 2,313 |
| Efficiency ratio | 60.6090% | 5,448 |
| Assets per employee ($millions) | 4.4472% | 3,056 |
| Cash dividends to net income (ytd only)* | 39.7911% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 4,168 |
| Loan loss allowance to noncurrent loans | 63.7816% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.9018% | 2,566 |
| Noncurrent loans to loans | 2.1977% | 2,470 |
| Net loans and leases to total assets | 84.5516% | 191 |
| Net loans and leases to deposits | 99.9072% | 418 |
| Net loans and leases to core deposits | 106.5951% | 668 |
| Total domestic deposits to total assets | 84.6302% | 4,024 |
| Equity capital to assets | 10.3615% | 3,680 |
| Core capital (leverage) ratio | 10.3976% | 2,886 |
| Tier 1 risk-based capital ratio | 15.3947% | 3,488 |
| Total risk-based capital ratio | 16.6515% | 3,448 |
| Memoranda: | ||
| Average total assets | $254,526,400 | 2,494 |
| Average earning assets | $247,555,800 | 2,348 |
| Average equity | $26,405,400 | 2,533 |
| Average total loans | $208,578,800 | 1,933 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3095% | 4,419 |
| Cost of funding earning assets | 0.7076% | 3,696 |
| Net interest margin | 3.6019% | 4,228 |
| Noninterest income to average assets | 1.0981% | 1,245 |
| Noninterest expense to average assets | 2.8787% | 3,675 |
| Loan and lease loss provision to assets | 0.3167% | 2,084 |
| Net operating income to assets | 0.9333% | 2,824 |
| Return on assets (ROA) | 0.9333% | 3,044 |
| Pretax return on assets | 1.4042% | 2,221 |
| Return on Equity (ROE) | 8.9938% | 2,805 |
| Retained earnings to average equity (ytd only) | 8.9938% | 1,235 |
| Net charge-offs to loans | 0.2211% | 3,398 |
| Credit loss provision to net charge-offs | 176.9912% | 1,573 |
| Earnings coverage of net charge-offs (x) | 9.6165% | 2,297 |
| Efficiency ratio | 62.5846% | 5,056 |
| Assets per employee ($millions) | 4.8915% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 4,097 |
| Loan loss allowance to noncurrent loans | 66.2265% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 2.0285% | 2,604 |
| Noncurrent loans to loans | 2.2101% | 2,607 |
| Net loans and leases to total assets | 81.8139% | 354 |
| Net loans and leases to deposits | 99.2040% | 482 |
| Net loans and leases to core deposits | 105.4063% | 771 |
| Total domestic deposits to total assets | 82.4703% | 4,847 |
| Equity capital to assets | 10.2949% | 4,084 |
| Core capital (leverage) ratio | 10.4866% | 2,928 |
| Tier 1 risk-based capital ratio | 15.8732% | 3,338 |
| Total risk-based capital ratio | 17.1312% | 3,302 |
| Memoranda: | ||
| Average total assets | $252,562,000 | 2,533 |
| Average earning assets | $245,528,250 | 2,397 |
| Average equity | $26,210,000 | 2,563 |
| Average total loans | $204,472,500 | 1,987 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2654% | 4,706 |
| Cost of funding earning assets | 0.7303% | 3,768 |
| Net interest margin | 3.5351% | 4,528 |
| Noninterest income to average assets | 0.9763% | 1,527 |
| Noninterest expense to average assets | 2.7479% | 4,225 |
| Loan and lease loss provision to assets | 0.3619% | 1,828 |
| Net operating income to assets | 0.8749% | 3,019 |
| Return on assets (ROA) | 0.8749% | 3,278 |
| Pretax return on assets | 1.3076% | 2,532 |
| Return on Equity (ROE) | 8.4073% | 3,063 |
| Retained earnings to average equity (ytd only) | 8.4073% | 1,478 |
| Net charge-offs to loans | 0.2556% | 3,045 |
| Credit loss provision to net charge-offs | 176.4706% | 1,593 |
| Earnings coverage of net charge-offs (x) | 8.1412% | 2,357 |
| Efficiency ratio | 62.2064% | 5,213 |
| Assets per employee ($millions) | 4.5233% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 3,863 |
| Loan loss allowance to noncurrent loans | 51.5833% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 2.4062% | 2,321 |
| Noncurrent loans to loans | 2.9708% | 2,004 |
| Net loans and leases to total assets | 79.7540% | 543 |
| Net loans and leases to deposits | 97.2087% | 562 |
| Net loans and leases to core deposits | 103.8199% | 872 |
| Total domestic deposits to total assets | 82.0441% | 5,111 |
| Equity capital to assets | 10.4542% | 3,743 |
| Core capital (leverage) ratio | 10.3787% | 2,952 |
| Tier 1 risk-based capital ratio | 16.1964% | 3,071 |
| Total risk-based capital ratio | 17.4545% | 3,028 |
| Memoranda: | ||
| Average total assets | $248,702,330 | 2,560 |
| Average earning assets | $242,088,330 | 2,424 |
| Average equity | $25,882,330 | 2,587 |
| Average total loans | $199,525,330 | 2,029 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2372% | 4,974 |
| Cost of funding earning assets | 0.7423% | 3,927 |
| Net interest margin | 3.4948% | 4,729 |
| Noninterest income to average assets | 0.9691% | 1,511 |
| Noninterest expense to average assets | 2.7224% | 4,341 |
| Loan and lease loss provision to assets | 0.3653% | 1,726 |
| Net operating income to assets | 0.8442% | 3,188 |
| Return on assets (ROA) | 0.8442% | 3,426 |
| Pretax return on assets | 1.2825% | 2,598 |
| Return on Equity (ROE) | 8.1304% | 3,226 |
| Retained earnings to average equity (ytd only) | 8.1304% | 1,931 |
| Net charge-offs to loans | 0.0732% | 3,766 |
| Credit loss provision to net charge-offs | 625.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 28.1944% | 973 |
| Efficiency ratio | 62.2957% | 5,220 |
| Assets per employee ($millions) | 5.0882% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 3,734 |
| Loan loss allowance to noncurrent loans | 45.8236% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 2.7467% | 2,143 |
| Noncurrent loans to loans | 3.4829% | 1,795 |
| Net loans and leases to total assets | 77.6039% | 629 |
| Net loans and leases to deposits | 94.6451% | 625 |
| Net loans and leases to core deposits | 101.5638% | 884 |
| Total domestic deposits to total assets | 81.9946% | 5,297 |
| Equity capital to assets | 10.3670% | 3,650 |
| Core capital (leverage) ratio | 10.4627% | 2,794 |
| Tier 1 risk-based capital ratio | 16.3224% | 3,003 |
| Total risk-based capital ratio | 17.5816% | 2,955 |
| Memoranda: | ||
| Average total assets | $246,401,500 | 2,591 |
| Average earning assets | $239,782,500 | 2,452 |
| Average equity | $25,583,000 | 2,614 |
| Average total loans | $196,706,000 | 2,064 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5170% | 5,000 |
| Cost of funding earning assets | 0.8482% | 4,483 |
| Net interest margin | 3.6688% | 4,437 |
| Noninterest income to average assets | 0.7800% | 2,165 |
| Noninterest expense to average assets | 2.9137% | 3,902 |
| Loan and lease loss provision to assets | 0.4693% | 2,253 |
| Net operating income to assets | 0.6227% | 3,873 |
| Return on assets (ROA) | 0.6227% | 4,072 |
| Pretax return on assets | 0.9488% | 3,430 |
| Return on Equity (ROE) | 5.8514% | 3,945 |
| Retained earnings to average equity (ytd only) | 2.9156% | 4,164 |
| Net charge-offs to loans | 0.4283% | 3,291 |
| Credit loss provision to net charge-offs | 138.0832% | 2,147 |
| Earnings coverage of net charge-offs (x) | 4.1728% | 3,237 |
| Efficiency ratio | 67.2636% | 4,527 |
| Assets per employee ($millions) | 4.8697% | 2,356 |
| Cash dividends to net income (ytd only)* | 50.1721% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 4,037 |
| Loan loss allowance to noncurrent loans | 47.5415% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 2.7254% | 2,230 |
| Noncurrent loans to loans | 3.1521% | 2,053 |
| Net loans and leases to total assets | 79.6125% | 533 |
| Net loans and leases to deposits | 97.3137% | 604 |
| Net loans and leases to core deposits | 103.7381% | 917 |
| Total domestic deposits to total assets | 81.8102% | 5,185 |
| Equity capital to assets | 10.3987% | 3,657 |
| Core capital (leverage) ratio | 10.6495% | 2,565 |
| Tier 1 risk-based capital ratio | 16.1288% | 2,985 |
| Total risk-based capital ratio | 17.3865% | 2,944 |
| Memoranda: | ||
| Average total assets | $233,344,200 | 2,692 |
| Average earning assets | $225,902,400 | 2,548 |
| Average equity | $24,831,600 | 2,599 |
| Average total loans | $185,131,400 | 2,175 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 5,244 |
| Cost of funding earning assets | 0.8756% | 4,588 |
| Net interest margin | 3.6278% | 4,666 |
| Noninterest income to average assets | 0.7625% | 2,244 |
| Noninterest expense to average assets | 3.0038% | 3,541 |
| Loan and lease loss provision to assets | 0.5026% | 1,969 |
| Net operating income to assets | 0.5014% | 4,544 |
| Return on assets (ROA) | 0.5014% | 4,728 |
| Pretax return on assets | 0.7648% | 4,259 |
| Return on Equity (ROE) | 4.6836% | 4,674 |
| Retained earnings to average equity (ytd only) | 4.6836% | 3,395 |
| Net charge-offs to loans | 0.4266% | 3,010 |
| Credit loss provision to net charge-offs | 149.2281% | 2,104 |
| Earnings coverage of net charge-offs (x) | 3.7633% | 3,306 |
| Efficiency ratio | 70.3273% | 3,902 |
| Assets per employee ($millions) | 4.1606% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 3,928 |
| Loan loss allowance to noncurrent loans | 43.0900% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 3.1731% | 2,016 |
| Noncurrent loans to loans | 3.5653% | 1,928 |
| Net loans and leases to total assets | 82.1764% | 340 |
| Net loans and leases to deposits | 101.9783% | 390 |
| Net loans and leases to core deposits | 108.7883% | 735 |
| Total domestic deposits to total assets | 80.5823% | 5,576 |
| Equity capital to assets | 11.1204% | 3,035 |
| Core capital (leverage) ratio | 11.1763% | 2,259 |
| Tier 1 risk-based capital ratio | 16.6075% | 2,808 |
| Total risk-based capital ratio | 17.8659% | 2,768 |
| Memoranda: | ||
| Average total assets | $230,809,500 | 2,722 |
| Average earning assets | $223,236,000 | 2,586 |
| Average equity | $24,709,750 | 2,613 |
| Average total loans | $182,216,250 | 2,233 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4509% | 5,522 |
| Cost of funding earning assets | 0.9048% | 4,623 |
| Net interest margin | 3.5461% | 4,940 |
| Noninterest income to average assets | 0.7396% | 2,327 |
| Noninterest expense to average assets | 2.9870% | 3,694 |
| Loan and lease loss provision to assets | 0.6005% | 1,609 |
| Net operating income to assets | 0.3793% | 5,039 |
| Return on assets (ROA) | 0.3793% | 5,178 |
| Pretax return on assets | 0.5789% | 4,814 |
| Return on Equity (ROE) | 3.5889% | 5,116 |
| Retained earnings to average equity (ytd only) | 3.5889% | 3,950 |
| Net charge-offs to loans | 0.4596% | 2,744 |
| Credit loss provision to net charge-offs | 168.6893% | 1,792 |
| Earnings coverage of net charge-offs (x) | 3.3131% | 3,215 |
| Efficiency ratio | 71.6922% | 3,796 |
| Assets per employee ($millions) | 3.9092% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 3,710 |
| Loan loss allowance to noncurrent loans | 39.4985% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 3.6386% | 1,805 |
| Noncurrent loans to loans | 4.0369% | 1,716 |
| Net loans and leases to total assets | 79.7526% | 552 |
| Net loans and leases to deposits | 100.4622% | 473 |
| Net loans and leases to core deposits | 107.5634% | 836 |
| Total domestic deposits to total assets | 79.3856% | 5,983 |
| Equity capital to assets | 10.9467% | 3,015 |
| Core capital (leverage) ratio | 10.8270% | 2,391 |
| Tier 1 risk-based capital ratio | 16.3546% | 2,805 |
| Total risk-based capital ratio | 17.6132% | 2,767 |
| Memoranda: | ||
| Average total assets | $231,468,670 | 2,740 |
| Average earning assets | $223,683,670 | 2,601 |
| Average equity | $24,464,000 | 2,613 |
| Average total loans | $179,295,000 | 2,295 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3121% | 5,985 |
| Cost of funding earning assets | 0.9333% | 4,699 |
| Net interest margin | 3.3788% | 5,509 |
| Noninterest income to average assets | 0.7937% | 2,057 |
| Noninterest expense to average assets | 2.9833% | 3,714 |
| Loan and lease loss provision to assets | 0.6158% | 1,393 |
| Net operating income to assets | 0.2994% | 5,404 |
| Return on assets (ROA) | 0.2994% | 5,472 |
| Pretax return on assets | 0.4584% | 5,156 |
| Return on Equity (ROE) | 2.8823% | 5,430 |
| Retained earnings to average equity (ytd only) | 2.8823% | 4,432 |
| Net charge-offs to loans | 0.4721% | 2,289 |
| Credit loss provision to net charge-offs | 172.2488% | 1,683 |
| Earnings coverage of net charge-offs (x) | 3.0048% | 2,880 |
| Efficiency ratio | 73.5245% | 3,605 |
| Assets per employee ($millions) | 4.1659% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 3,731 |
| Loan loss allowance to noncurrent loans | 33.9275% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 4.1129% | 1,614 |
| Noncurrent loans to loans | 4.7115% | 1,467 |
| Net loans and leases to total assets | 73.8308% | 1,373 |
| Net loans and leases to deposits | 90.6465% | 1,167 |
| Net loans and leases to core deposits | 97.4490% | 1,566 |
| Total domestic deposits to total assets | 81.4491% | 5,511 |
| Equity capital to assets | 10.4499% | 3,238 |
| Core capital (leverage) ratio | 10.4629% | 2,651 |
| Tier 1 risk-based capital ratio | 16.4972% | 2,662 |
| Total risk-based capital ratio | 17.7549% | 2,636 |
| Memoranda: | ||
| Average total assets | $233,835,500 | 2,738 |
| Average earning assets | $225,877,000 | 2,591 |
| Average equity | $24,286,000 | 2,618 |
| Average total loans | $177,064,000 | 2,346 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6824% | 5,858 |
| Cost of funding earning assets | 1.1628% | 4,777 |
| Net interest margin | 3.5196% | 5,162 |
| Noninterest income to average assets | 1.3714% | 776 |
| Noninterest expense to average assets | 3.1929% | 3,120 |
| Loan and lease loss provision to assets | 0.7609% | 2,154 |
| Net operating income to assets | 0.5352% | 3,947 |
| Return on assets (ROA) | 0.5883% | 3,886 |
| Pretax return on assets | 0.8962% | 3,306 |
| Return on Equity (ROE) | 5.7381% | 3,719 |
| Retained earnings to average equity (ytd only) | 5.7381% | 1,970 |
| Net charge-offs to loans | 0.6161% | 3,188 |
| Credit loss provision to net charge-offs | 150.8621% | 2,392 |
| Earnings coverage of net charge-offs (x) | 3.1259% | 3,508 |
| Efficiency ratio | 66.9432% | 4,771 |
| Assets per employee ($millions) | 3.9725% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 3,710 |
| Loan loss allowance to noncurrent loans | 34.1980% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 3.9816% | 1,707 |
| Noncurrent loans to loans | 4.5849% | 1,537 |
| Net loans and leases to total assets | 75.2118% | 1,432 |
| Net loans and leases to deposits | 92.2483% | 1,247 |
| Net loans and leases to core deposits | 99.5780% | 1,649 |
| Total domestic deposits to total assets | 81.5320% | 5,346 |
| Equity capital to assets | 10.3222% | 3,362 |
| Core capital (leverage) ratio | 10.4451% | 2,613 |
| Tier 1 risk-based capital ratio | 15.8449% | 2,820 |
| Total risk-based capital ratio | 17.1018% | 2,777 |
| Memoranda: | ||
| Average total assets | $229,980,000 | 2,759 |
| Average earning assets | $222,043,800 | 2,605 |
| Average equity | $23,579,400 | 2,693 |
| Average total loans | $188,272,200 | 2,261 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7666% | 5,803 |
| Cost of funding earning assets | 1.2119% | 4,791 |
| Net interest margin | 3.5547% | 5,084 |
| Noninterest income to average assets | 1.1569% | 1,045 |
| Noninterest expense to average assets | 3.0996% | 3,339 |
| Loan and lease loss provision to assets | 0.7282% | 2,095 |
| Net operating income to assets | 0.4981% | 4,325 |
| Return on assets (ROA) | 0.4981% | 4,517 |
| Pretax return on assets | 0.7602% | 4,051 |
| Return on Equity (ROE) | 4.8663% | 4,358 |
| Retained earnings to average equity (ytd only) | 4.8663% | 3,073 |
| Net charge-offs to loans | 0.5814% | 2,995 |
| Credit loss provision to net charge-offs | 150.4212% | 2,587 |
| Earnings coverage of net charge-offs (x) | 3.0746% | 3,595 |
| Efficiency ratio | 67.5597% | 4,551 |
| Assets per employee ($millions) | 4.1254% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 4,673 |
| Loan loss allowance to noncurrent loans | 31.9211% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 3.9360% | 1,786 |
| Noncurrent loans to loans | 4.2575% | 1,711 |
| Net loans and leases to total assets | 82.8495% | 421 |
| Net loans and leases to deposits | 102.8584% | 490 |
| Net loans and leases to core deposits | 113.4223% | 866 |
| Total domestic deposits to total assets | 80.5471% | 5,527 |
| Equity capital to assets | 10.3545% | 3,693 |
| Core capital (leverage) ratio | 10.3494% | 2,857 |
| Tier 1 risk-based capital ratio | 14.8747% | 3,317 |
| Total risk-based capital ratio | 16.1294% | 3,291 |
| Memoranda: | ||
| Average total assets | $228,880,500 | 2,805 |
| Average earning assets | $220,920,500 | 2,658 |
| Average equity | $23,426,000 | 2,756 |
| Average total loans | $190,568,250 | 2,284 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7693% | 5,898 |
| Cost of funding earning assets | 1.2359% | 4,925 |
| Net interest margin | 3.5334% | 5,117 |
| Noninterest income to average assets | 0.9607% | 1,479 |
| Noninterest expense to average assets | 3.0206% | 3,633 |
| Loan and lease loss provision to assets | 0.6574% | 2,190 |
| Net operating income to assets | 0.4532% | 4,543 |
| Return on assets (ROA) | 0.4532% | 4,698 |
| Pretax return on assets | 0.6907% | 4,272 |
| Return on Equity (ROE) | 4.4452% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.4452% | 3,240 |
| Net charge-offs to loans | 0.6304% | 2,650 |
| Credit loss provision to net charge-offs | 125.6281% | 3,214 |
| Earnings coverage of net charge-offs (x) | 2.5762% | 3,707 |
| Efficiency ratio | 69.1413% | 4,352 |
| Assets per employee ($millions) | 3.7667% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 5,130 |
| Loan loss allowance to noncurrent loans | 36.6937% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 3.1662% | 2,236 |
| Noncurrent loans to loans | 3.4352% | 2,313 |
| Net loans and leases to total assets | 81.6517% | 576 |
| Net loans and leases to deposits | 100.6508% | 669 |
| Net loans and leases to core deposits | 111.3498% | 1,074 |
| Total domestic deposits to total assets | 81.1237% | 5,361 |
| Equity capital to assets | 10.2572% | 3,696 |
| Core capital (leverage) ratio | 10.2375% | 2,903 |
| Tier 1 risk-based capital ratio | 14.8619% | 3,229 |
| Total risk-based capital ratio | 16.1152% | 3,202 |
| Memoranda: | ||
| Average total assets | $228,167,330 | 2,838 |
| Average earning assets | $220,073,670 | 2,683 |
| Average equity | $23,261,000 | 2,765 |
| Average total loans | $189,412,330 | 2,318 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7970% | 5,898 |
| Cost of funding earning assets | 1.2668% | 5,028 |
| Net interest margin | 3.5302% | 5,038 |
| Noninterest income to average assets | 0.7970% | 2,037 |
| Noninterest expense to average assets | 2.9433% | 3,891 |
| Loan and lease loss provision to assets | 0.5278% | 2,392 |
| Net operating income to assets | 0.4785% | 4,500 |
| Return on assets (ROA) | 0.4785% | 4,628 |
| Pretax return on assets | 0.7283% | 4,132 |
| Return on Equity (ROE) | 4.7084% | 4,532 |
| Retained earnings to average equity (ytd only) | 4.7084% | 3,320 |
| Net charge-offs to loans | 0.3744% | 2,924 |
| Credit loss provision to net charge-offs | 169.4915% | 2,149 |
| Earnings coverage of net charge-offs (x) | 4.0339% | 2,720 |
| Efficiency ratio | 70.0880% | 4,286 |
| Assets per employee ($millions) | 4.2707% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 5,323 |
| Loan loss allowance to noncurrent loans | 33.9503% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 3.3201% | 2,157 |
| Noncurrent loans to loans | 3.6277% | 2,191 |
| Net loans and leases to total assets | 83.1903% | 456 |
| Net loans and leases to deposits | 103.7626% | 544 |
| Net loans and leases to core deposits | 113.5160% | 1,064 |
| Total domestic deposits to total assets | 80.1737% | 5,728 |
| Equity capital to assets | 10.2785% | 3,498 |
| Core capital (leverage) ratio | 10.3521% | 2,763 |
| Tier 1 risk-based capital ratio | 14.5412% | 3,354 |
| Total risk-based capital ratio | 15.7938% | 3,320 |
| Memoranda: | ||
| Average total assets | $227,366,000 | 2,901 |
| Average earning assets | $219,136,000 | 2,748 |
| Average equity | $23,107,500 | 2,813 |
| Average total loans | $189,115,500 | 2,387 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1610% | 5,829 |
| Cost of funding earning assets | 1.8891% | 3,520 |
| Net interest margin | 3.2719% | 5,851 |
| Noninterest income to average assets | 0.8197% | 2,306 |
| Noninterest expense to average assets | 2.8519% | 4,741 |
| Loan and lease loss provision to assets | 0.7476% | 2,869 |
| Net operating income to assets | 0.2338% | 4,787 |
| Return on assets (ROA) | 0.2338% | 4,857 |
| Pretax return on assets | 0.3584% | 4,620 |
| Return on Equity (ROE) | 2.2744% | 4,800 |
| Retained earnings to average equity (ytd only) | 2.2744% | 3,523 |
| Net charge-offs to loans | 0.8303% | 2,751 |
| Credit loss provision to net charge-offs | 109.3439% | 5,044 |
| Earnings coverage of net charge-offs (x) | 1.6176% | 4,527 |
| Efficiency ratio | 72.0550% | 4,251 |
| Assets per employee ($millions) | 4.3920% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 5,459 |
| Loan loss allowance to noncurrent loans | 30.7415% | 6,419 |
| Noncurrent assets plus other real estate owned to assets | 3.6775% | 1,813 |
| Noncurrent loans to loans | 3.8463% | 1,937 |
| Net loans and leases to total assets | 81.1639% | 816 |
| Net loans and leases to deposits | 103.3284% | 682 |
| Net loans and leases to core deposits | 137.9219% | 881 |
| Total domestic deposits to total assets | 78.5495% | 6,108 |
| Equity capital to assets | 10.0488% | 3,693 |
| Core capital (leverage) ratio | 10.3110% | 2,777 |
| Tier 1 risk-based capital ratio | 14.4132% | 3,255 |
| Total risk-based capital ratio | 15.6649% | 3,205 |
| Memoranda: | ||
| Average total assets | $220,693,400 | 2,931 |
| Average earning assets | $211,683,800 | 2,815 |
| Average equity | $22,687,000 | 2,866 |
| Average total loans | $181,742,200 | 2,491 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2319% | 5,751 |
| Cost of funding earning assets | 1.9968% | 3,375 |
| Net interest margin | 3.2350% | 5,896 |
| Noninterest income to average assets | 0.9154% | 1,920 |
| Noninterest expense to average assets | 2.8358% | 4,736 |
| Loan and lease loss provision to assets | 0.7009% | 2,631 |
| Net operating income to assets | 0.3133% | 4,748 |
| Return on assets (ROA) | 0.3133% | 4,851 |
| Pretax return on assets | 0.4790% | 4,583 |
| Return on Equity (ROE) | 3.0295% | 4,782 |
| Retained earnings to average equity (ytd only) | 3.0295% | 3,634 |
| Net charge-offs to loans | 0.6138% | 2,834 |
| Credit loss provision to net charge-offs | 138.5542% | 3,574 |
| Earnings coverage of net charge-offs (x) | 2.3325% | 4,073 |
| Efficiency ratio | 70.6177% | 4,481 |
| Assets per employee ($millions) | 4.3860% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 4,474 |
| Loan loss allowance to noncurrent loans | 32.1092% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 3.6913% | 1,763 |
| Noncurrent loans to loans | 4.0641% | 1,804 |
| Net loans and leases to total assets | 81.1154% | 959 |
| Net loans and leases to deposits | 99.1682% | 1,193 |
| Net loans and leases to core deposits | 134.5725% | 1,174 |
| Total domestic deposits to total assets | 81.7957% | 4,765 |
| Equity capital to assets | 10.4136% | 3,600 |
| Core capital (leverage) ratio | 10.4107% | 2,866 |
| Tier 1 risk-based capital ratio | 14.7382% | 3,163 |
| Total risk-based capital ratio | 15.9914% | 3,109 |
| Memoranda: | ||
| Average total assets | $218,770,250 | 2,977 |
| Average earning assets | $209,658,250 | 2,862 |
| Average equity | $22,621,250 | 2,900 |
| Average total loans | $180,281,500 | 2,541 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3075% | 5,626 |
| Cost of funding earning assets | 2.0805% | 3,361 |
| Net interest margin | 3.2270% | 5,816 |
| Noninterest income to average assets | 0.9479% | 1,767 |
| Noninterest expense to average assets | 2.7832% | 5,031 |
| Loan and lease loss provision to assets | 0.5490% | 2,826 |
| Net operating income to assets | 0.4584% | 4,260 |
| Return on assets (ROA) | 0.4584% | 4,376 |
| Pretax return on assets | 0.6981% | 3,997 |
| Return on Equity (ROE) | 4.4436% | 4,322 |
| Retained earnings to average equity (ytd only) | 4.4436% | 2,822 |
| Net charge-offs to loans | 0.6301% | 2,461 |
| Credit loss provision to net charge-offs | 105.6338% | 4,355 |
| Earnings coverage of net charge-offs (x) | 2.3996% | 3,868 |
| Efficiency ratio | 69.0579% | 4,973 |
| Assets per employee ($millions) | 4.1474% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 5,352 |
| Loan loss allowance to noncurrent loans | 30.2097% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 3.3392% | 1,868 |
| Noncurrent loans to loans | 3.7615% | 1,835 |
| Net loans and leases to total assets | 81.5350% | 1,045 |
| Net loans and leases to deposits | 98.0212% | 1,513 |
| Net loans and leases to core deposits | 135.3628% | 1,250 |
| Total domestic deposits to total assets | 83.1810% | 4,154 |
| Equity capital to assets | 10.3453% | 3,573 |
| Core capital (leverage) ratio | 10.3198% | 2,976 |
| Tier 1 risk-based capital ratio | 14.4455% | 3,278 |
| Total risk-based capital ratio | 15.6961% | 3,217 |
| Memoranda: | ||
| Average total assets | $218,593,670 | 2,995 |
| Average earning assets | $208,800,670 | 2,882 |
| Average equity | $22,549,330 | 2,908 |
| Average total loans | $180,296,000 | 2,571 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3123% | 5,846 |
| Cost of funding earning assets | 2.0978% | 3,664 |
| Net interest margin | 3.2145% | 5,819 |
| Noninterest income to average assets | 0.7817% | 2,419 |
| Noninterest expense to average assets | 2.5396% | 5,689 |
| Loan and lease loss provision to assets | 0.2752% | 3,761 |
| Net operating income to assets | 0.6918% | 3,598 |
| Return on assets (ROA) | 0.6918% | 3,783 |
| Pretax return on assets | 1.0514% | 3,169 |
| Return on Equity (ROE) | 6.7160% | 3,709 |
| Retained earnings to average equity (ytd only) | 6.7160% | 2,321 |
| Net charge-offs to loans | 0.7786% | 1,652 |
| Credit loss provision to net charge-offs | 42.8571% | 4,774 |
| Earnings coverage of net charge-offs (x) | 2.0657% | 3,688 |
| Efficiency ratio | 65.6858% | 5,387 |
| Assets per employee ($millions) | 4.2155% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 6,081 |
| Loan loss allowance to noncurrent loans | 24.9556% | 6,904 |
| Noncurrent assets plus other real estate owned to assets | 3.6012% | 1,478 |
| Noncurrent loans to loans | 4.0672% | 1,475 |
| Net loans and leases to total assets | 81.3250% | 1,133 |
| Net loans and leases to deposits | 96.6071% | 1,854 |
| Net loans and leases to core deposits | 140.8403% | 1,066 |
| Total domestic deposits to total assets | 84.1812% | 3,615 |
| Equity capital to assets | 10.3218% | 3,630 |
| Core capital (leverage) ratio | 10.2929% | 3,112 |
| Tier 1 risk-based capital ratio | 14.3715% | 3,379 |
| Total risk-based capital ratio | 15.5349% | 3,363 |
| Memoranda: | ||
| Average total assets | $217,985,000 | 3,012 |
| Average earning assets | $209,174,500 | 2,893 |
| Average equity | $22,454,000 | 2,924 |
| Average total loans | $179,802,500 | 2,601 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0772% | 5,158 |
| Cost of funding earning assets | 2.8355% | 2,551 |
| Net interest margin | 3.2417% | 6,234 |
| Noninterest income to average assets | 0.4491% | 5,043 |
| Noninterest expense to average assets | 2.5030% | 5,992 |
| Loan and lease loss provision to assets | 0.3880% | 3,363 |
| Net operating income to assets | 0.4393% | 4,995 |
| Return on assets (ROA) | 0.4393% | 4,816 |
| Pretax return on assets | 0.6707% | 4,482 |
| Return on Equity (ROE) | 4.1339% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.1339% | 2,556 |
| Net charge-offs to loans | 0.2705% | 3,599 |
| Credit loss provision to net charge-offs | 172.4512% | 2,965 |
| Earnings coverage of net charge-offs (x) | 4.7050% | 3,894 |
| Efficiency ratio | 70.2755% | 4,295 |
| Assets per employee ($millions) | 4.4237% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 5,094 |
| Loan loss allowance to noncurrent loans | 48.3022% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 2.0054% | 2,454 |
| Noncurrent loans to loans | 2.3297% | 2,370 |
| Net loans and leases to total assets | 81.8807% | 1,249 |
| Net loans and leases to deposits | 98.9397% | 1,988 |
| Net loans and leases to core deposits | 139.8097% | 1,278 |
| Total domestic deposits to total assets | 82.7581% | 3,873 |
| Equity capital to assets | 10.2794% | 3,731 |
| Core capital (leverage) ratio | 10.3881% | 3,084 |
| Tier 1 risk-based capital ratio | 14.1764% | 3,462 |
| Total risk-based capital ratio | 15.4271% | 3,385 |
| Memoranda: | ||
| Average total assets | $204,872,600 | 3,072 |
| Average earning assets | $196,718,000 | 2,928 |
| Average equity | $21,771,200 | 3,007 |
| Average total loans | $170,419,400 | 2,609 |