Home > The Bank of River Oaks > Performance and Condition Ratios
The Bank of River Oaks, Performance and Condition Ratios
| 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 | 4.3548% | 2,566 |
| Cost of funding earning assets | 0.2912% | 4,481 |
| Net interest margin | 4.0636% | 1,658 |
| Noninterest income to average assets | 0.1268% | 5,173 |
| Noninterest expense to average assets | 2.2013% | 4,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4629% | 1,248 |
| Return on assets (ROA) | 1.4629% | 1,249 |
| Pretax return on assets | 1.8249% | 907 |
| Return on Equity (ROE) | 13.8131% | 1,126 |
| Retained earnings to average equity (ytd only) | 13.8131% | 297 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6735% | 4,619 |
| Assets per employee ($millions) | 10.9437% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 3,178 |
| Loan loss allowance to noncurrent loans | 665.1568% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 4,343 |
| Noncurrent loans to loans | 0.1676% | 4,157 |
| Net loans and leases to total assets | 77.3449% | 1,413 |
| Net loans and leases to deposits | 91.6722% | 1,628 |
| Net loans and leases to core deposits | 114.7475% | 760 |
| Total domestic deposits to total assets | 84.3711% | 2,927 |
| Equity capital to assets | 11.1683% | 2,482 |
| Core capital (leverage) ratio | 11.2164% | 2,331 |
| Tier 1 risk-based capital ratio | 13.5605% | 3,586 |
| Total risk-based capital ratio | 14.5830% | 3,635 |
| Memoranda: | ||
| Average total assets | $448,016,000 | 1,559 |
| Average earning assets | $429,917,330 | 1,516 |
| Average equity | $47,447,670 | 1,590 |
| Average total loans | $345,133,330 | 1,427 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2932% | 2,544 |
| Cost of funding earning assets | 0.2455% | 4,742 |
| Net interest margin | 4.0477% | 1,568 |
| Noninterest income to average assets | 0.1262% | 5,230 |
| Noninterest expense to average assets | 2.1971% | 4,427 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4485% | 1,199 |
| Return on assets (ROA) | 1.4485% | 1,206 |
| Pretax return on assets | 1.8157% | 883 |
| Return on Equity (ROE) | 14.0476% | 1,005 |
| Retained earnings to average equity (ytd only) | 14.0476% | 404 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7514% | 4,711 |
| Assets per employee ($millions) | 11.2978% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 3,432 |
| Loan loss allowance to noncurrent loans | 580.2432% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 4,355 |
| Noncurrent loans to loans | 0.1883% | 4,119 |
| Net loans and leases to total assets | 76.4710% | 1,466 |
| Net loans and leases to deposits | 87.9533% | 1,934 |
| Net loans and leases to core deposits | 109.3244% | 1,045 |
| Total domestic deposits to total assets | 86.9450% | 2,149 |
| Equity capital to assets | 10.4653% | 3,112 |
| Core capital (leverage) ratio | 10.7567% | 2,681 |
| Tier 1 risk-based capital ratio | 12.8002% | 4,060 |
| Total risk-based capital ratio | 13.7983% | 4,115 |
| Memoranda: | ||
| Average total assets | $453,151,000 | 1,559 |
| Average earning assets | $435,110,500 | 1,511 |
| Average equity | $46,727,000 | 1,617 |
| Average total loans | $346,504,000 | 1,418 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 3,240 |
| Cost of funding earning assets | 0.2028% | 4,927 |
| Net interest margin | 3.8483% | 2,262 |
| Noninterest income to average assets | 0.1591% | 5,165 |
| Noninterest expense to average assets | 2.3105% | 4,298 |
| Loan and lease loss provision to assets | 0.4205% | 339 |
| Net operating income to assets | 0.5790% | 4,101 |
| Return on assets (ROA) | 0.5846% | 4,119 |
| Pretax return on assets | 1.1196% | 3,107 |
| Return on Equity (ROE) | 5.5023% | 3,965 |
| Retained earnings to average equity (ytd only) | -2.5005% | 5,316 |
| Net charge-offs to loans | 0.4089% | 612 |
| Credit loss provision to net charge-offs | 137.5093% | 1,926 |
| Earnings coverage of net charge-offs (x) | 5.0074% | 3,385 |
| Efficiency ratio | 60.1404% | 4,242 |
| Assets per employee ($millions) | 10.5672% | 264 |
| Cash dividends to net income (ytd only)* | 145.4440% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 3,287 |
| Loan loss allowance to noncurrent loans | 540.0283% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 4,358 |
| Noncurrent loans to loans | 0.2058% | 4,088 |
| Net loans and leases to total assets | 74.7794% | 1,796 |
| Net loans and leases to deposits | 83.6724% | 2,528 |
| Net loans and leases to core deposits | 101.9056% | 1,560 |
| Total domestic deposits to total assets | 89.3717% | 839 |
| Equity capital to assets | 10.1587% | 3,530 |
| Core capital (leverage) ratio | 10.3881% | 2,978 |
| Tier 1 risk-based capital ratio | 12.2331% | 4,373 |
| Total risk-based capital ratio | 13.2265% | 4,432 |
| Memoranda: | ||
| Average total assets | $441,124,200 | 1,575 |
| Average earning assets | $422,135,800 | 1,527 |
| Average equity | $46,871,400 | 1,607 |
| Average total loans | $329,912,400 | 1,450 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9987% | 3,363 |
| Cost of funding earning assets | 0.1980% | 4,992 |
| Net interest margin | 3.8007% | 2,399 |
| Noninterest income to average assets | 0.1571% | 5,234 |
| Noninterest expense to average assets | 2.3075% | 4,286 |
| Loan and lease loss provision to assets | 0.5786% | 192 |
| Net operating income to assets | 0.6283% | 4,285 |
| Return on assets (ROA) | 0.6365% | 4,303 |
| Pretax return on assets | 0.9182% | 3,975 |
| Return on Equity (ROE) | 5.9227% | 4,161 |
| Retained earnings to average equity (ytd only) | -1.5218% | 5,392 |
| Net charge-offs to loans | 0.8045% | 228 |
| Credit loss provision to net charge-offs | 96.4467% | 2,366 |
| Earnings coverage of net charge-offs (x) | 2.4751% | 3,463 |
| Efficiency ratio | 60.8448% | 4,066 |
| Assets per employee ($millions) | 10.2120% | 292 |
| Cash dividends to net income (ytd only)* | 125.6937% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 4,160 |
| Loan loss allowance to noncurrent loans | 336.2033% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 4,187 |
| Noncurrent loans to loans | 0.2927% | 3,894 |
| Net loans and leases to total assets | 74.2585% | 1,876 |
| Net loans and leases to deposits | 85.7794% | 2,324 |
| Net loans and leases to core deposits | 104.0599% | 1,386 |
| Total domestic deposits to total assets | 86.5692% | 2,062 |
| Equity capital to assets | 10.7539% | 3,116 |
| Core capital (leverage) ratio | 10.7716% | 2,670 |
| Tier 1 risk-based capital ratio | 12.8216% | 4,127 |
| Total risk-based capital ratio | 13.6941% | 4,261 |
| Memoranda: | ||
| Average total assets | $437,807,500 | 1,595 |
| Average earning assets | $418,757,500 | 1,551 |
| Average equity | $47,049,250 | 1,610 |
| Average total loans | $326,488,250 | 1,469 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9165% | 3,498 |
| Cost of funding earning assets | 0.1781% | 5,155 |
| Net interest margin | 3.7384% | 2,518 |
| Noninterest income to average assets | 0.1696% | 5,202 |
| Noninterest expense to average assets | 2.3093% | 4,319 |
| Loan and lease loss provision to assets | 0.8688% | 115 |
| Net operating income to assets | 0.3740% | 5,035 |
| Return on assets (ROA) | 0.3786% | 5,051 |
| Pretax return on assets | 0.5693% | 4,862 |
| Return on Equity (ROE) | 3.5240% | 4,971 |
| Retained earnings to average equity (ytd only) | -4.4689% | 5,512 |
| Net charge-offs to loans | 1.2072% | 162 |
| Credit loss provision to net charge-offs | 96.6921% | 2,079 |
| Earnings coverage of net charge-offs (x) | 1.5929% | 3,266 |
| Efficiency ratio | 61.7359% | 4,040 |
| Assets per employee ($millions) | 9.7325% | 328 |
| Cash dividends to net income (ytd only)* | 226.8116% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 4,152 |
| Loan loss allowance to noncurrent loans | 314.5349% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 4,177 |
| Noncurrent loans to loans | 0.3177% | 3,898 |
| Net loans and leases to total assets | 75.0941% | 1,685 |
| Net loans and leases to deposits | 88.0342% | 1,976 |
| Net loans and leases to core deposits | 110.3840% | 984 |
| Total domestic deposits to total assets | 85.3011% | 2,693 |
| Equity capital to assets | 10.9154% | 2,910 |
| Core capital (leverage) ratio | 10.9577% | 2,453 |
| Tier 1 risk-based capital ratio | 13.1239% | 3,931 |
| Total risk-based capital ratio | 14.0281% | 4,040 |
| Memoranda: | ||
| Average total assets | $437,371,330 | 1,600 |
| Average earning assets | $417,771,670 | 1,556 |
| Average equity | $46,991,670 | 1,614 |
| Average total loans | $325,543,670 | 1,475 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9027% | 3,391 |
| Cost of funding earning assets | 0.1781% | 5,170 |
| Net interest margin | 3.7246% | 2,403 |
| Noninterest income to average assets | 0.1457% | 5,385 |
| Noninterest expense to average assets | 2.3125% | 4,373 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9304% | 2,616 |
| Return on assets (ROA) | 0.9304% | 2,668 |
| Pretax return on assets | 1.3920% | 1,918 |
| Return on Equity (ROE) | 8.7274% | 2,551 |
| Retained earnings to average equity (ytd only) | -4.0411% | 5,333 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4237% | 4,089 |
| Assets per employee ($millions) | 9.5030% | 358 |
| Cash dividends to net income (ytd only)* | 146.3035% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 3,929 |
| Loan loss allowance to noncurrent loans | 359.1106% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 4,124 |
| Noncurrent loans to loans | 0.2953% | 4,060 |
| Net loans and leases to total assets | 70.6709% | 2,267 |
| Net loans and leases to deposits | 85.0075% | 2,162 |
| Net loans and leases to core deposits | 99.2517% | 1,563 |
| Total domestic deposits to total assets | 83.1349% | 3,789 |
| Equity capital to assets | 10.7202% | 2,941 |
| Core capital (leverage) ratio | 10.8550% | 2,534 |
| Tier 1 risk-based capital ratio | 13.7521% | 3,632 |
| Total risk-based capital ratio | 14.7074% | 3,720 |
| Memoranda: | ||
| Average total assets | $441,943,000 | 1,598 |
| Average earning assets | $422,270,500 | 1,554 |
| Average equity | $47,116,000 | 1,610 |
| Average total loans | $325,905,500 | 1,480 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9949% | 3,209 |
| Cost of funding earning assets | 0.2011% | 5,005 |
| Net interest margin | 3.7939% | 2,339 |
| Noninterest income to average assets | 0.1638% | 5,395 |
| Noninterest expense to average assets | 2.5145% | 3,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9837% | 2,422 |
| Return on assets (ROA) | 1.0134% | 2,393 |
| Pretax return on assets | 1.2869% | 2,323 |
| Return on Equity (ROE) | 9.7251% | 2,091 |
| Retained earnings to average equity (ytd only) | 8.0839% | 830 |
| Net charge-offs to loans | 0.2287% | 1,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 7.2178% | 3,049 |
| Efficiency ratio | 66.8095% | 3,464 |
| Assets per employee ($millions) | 10.3895% | 276 |
| Cash dividends to net income (ytd only)* | 16.8758% | 3,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 4,458 |
| Loan loss allowance to noncurrent loans | 320.5227% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 4,115 |
| Noncurrent loans to loans | 0.3042% | 4,048 |
| Net loans and leases to total assets | 75.2683% | 1,641 |
| Net loans and leases to deposits | 92.2162% | 1,421 |
| Net loans and leases to core deposits | 94.6137% | 2,047 |
| Total domestic deposits to total assets | 81.6216% | 4,171 |
| Equity capital to assets | 10.6033% | 3,038 |
| Core capital (leverage) ratio | 10.6771% | 2,683 |
| Tier 1 risk-based capital ratio | 13.0205% | 4,062 |
| Total risk-based capital ratio | 13.9107% | 4,175 |
| Memoranda: | ||
| Average total assets | $440,282,800 | 1,539 |
| Average earning assets | $417,779,600 | 1,506 |
| Average equity | $45,881,400 | 1,644 |
| Average total loans | $333,212,200 | 1,402 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0210% | 3,143 |
| Cost of funding earning assets | 0.2101% | 4,974 |
| Net interest margin | 3.8108% | 2,294 |
| Noninterest income to average assets | 0.1672% | 5,429 |
| Noninterest expense to average assets | 2.6303% | 3,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9524% | 2,639 |
| Return on assets (ROA) | 0.9960% | 2,590 |
| Pretax return on assets | 1.1997% | 2,835 |
| Return on Equity (ROE) | 9.6007% | 2,226 |
| Retained earnings to average equity (ytd only) | 7.3947% | 1,441 |
| Net charge-offs to loans | 0.3064% | 753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.9528% | 3,195 |
| Efficiency ratio | 69.6331% | 2,944 |
| Assets per employee ($millions) | 9.5915% | 339 |
| Cash dividends to net income (ytd only)* | 22.9782% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 4,484 |
| Loan loss allowance to noncurrent loans | 304.5998% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 4,185 |
| Noncurrent loans to loans | 0.3240% | 4,094 |
| Net loans and leases to total assets | 75.2854% | 1,654 |
| Net loans and leases to deposits | 89.9835% | 1,758 |
| Net loans and leases to core deposits | 92.7338% | 2,310 |
| Total domestic deposits to total assets | 83.6658% | 3,332 |
| Equity capital to assets | 10.6795% | 3,373 |
| Core capital (leverage) ratio | 10.6640% | 2,816 |
| Tier 1 risk-based capital ratio | 12.7338% | 4,322 |
| Total risk-based capital ratio | 13.6290% | 4,455 |
| Memoranda: | ||
| Average total assets | $438,666,750 | 1,542 |
| Average earning assets | $415,577,250 | 1,517 |
| Average equity | $45,509,250 | 1,664 |
| Average total loans | $331,622,750 | 1,410 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0577% | 3,035 |
| Cost of funding earning assets | 0.2241% | 4,896 |
| Net interest margin | 3.8335% | 2,197 |
| Noninterest income to average assets | 0.1608% | 5,515 |
| Noninterest expense to average assets | 2.6901% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9065% | 2,829 |
| Return on assets (ROA) | 0.9721% | 2,654 |
| Pretax return on assets | 1.1749% | 2,881 |
| Return on Equity (ROE) | 9.4635% | 2,287 |
| Retained earnings to average equity (ytd only) | 6.1148% | 2,061 |
| Net charge-offs to loans | 0.3342% | 708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 4.3460% | 2,997 |
| Efficiency ratio | 71.0545% | 2,812 |
| Assets per employee ($millions) | 7.9765% | 573 |
| Cash dividends to net income (ytd only)* | 35.3853% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 4,086 |
| Loan loss allowance to noncurrent loans | 256.4457% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 3,967 |
| Noncurrent loans to loans | 0.4190% | 3,853 |
| Net loans and leases to total assets | 75.2650% | 1,599 |
| Net loans and leases to deposits | 89.1268% | 1,850 |
| Net loans and leases to core deposits | 103.0546% | 1,398 |
| Total domestic deposits to total assets | 84.4471% | 3,108 |
| Equity capital to assets | 10.7346% | 3,357 |
| Core capital (leverage) ratio | 10.5354% | 2,931 |
| Tier 1 risk-based capital ratio | 12.8562% | 4,282 |
| Total risk-based capital ratio | 13.8371% | 4,372 |
| Memoranda: | ||
| Average total assets | $437,819,670 | 1,552 |
| Average earning assets | $414,029,670 | 1,522 |
| Average equity | $44,972,670 | 1,678 |
| Average total loans | $330,338,330 | 1,414 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1435% | 2,671 |
| Cost of funding earning assets | 0.2288% | 4,913 |
| Net interest margin | 3.9148% | 1,895 |
| Noninterest income to average assets | 0.1609% | 5,528 |
| Noninterest expense to average assets | 2.5711% | 3,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8663% | 2,909 |
| Return on assets (ROA) | 0.9317% | 2,702 |
| Pretax return on assets | 1.3836% | 1,949 |
| Return on Equity (ROE) | 9.0457% | 2,406 |
| Retained earnings to average equity (ytd only) | 2.4391% | 4,282 |
| Net charge-offs to loans | 0.6633% | 326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.5779% | 2,664 |
| Efficiency ratio | 66.6589% | 3,691 |
| Assets per employee ($millions) | 8.5805% | 459 |
| Cash dividends to net income (ytd only)* | 73.0359% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 4,337 |
| Loan loss allowance to noncurrent loans | 133.0185% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 3,098 |
| Noncurrent loans to loans | 0.7888% | 2,861 |
| Net loans and leases to total assets | 74.4204% | 1,658 |
| Net loans and leases to deposits | 89.5140% | 1,638 |
| Net loans and leases to core deposits | 103.7438% | 1,205 |
| Total domestic deposits to total assets | 83.1383% | 3,846 |
| Equity capital to assets | 10.3750% | 3,649 |
| Core capital (leverage) ratio | 10.3332% | 3,151 |
| Tier 1 risk-based capital ratio | 12.4084% | 4,645 |
| Total risk-based capital ratio | 13.3505% | 4,753 |
| Memoranda: | ||
| Average total assets | $442,615,000 | 1,542 |
| Average earning assets | $417,904,000 | 1,515 |
| Average equity | $45,590,500 | 1,653 |
| Average total loans | $332,903,000 | 1,390 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 2,466 |
| Cost of funding earning assets | 0.2365% | 4,930 |
| Net interest margin | 3.9909% | 1,744 |
| Noninterest income to average assets | 0.1765% | 5,529 |
| Noninterest expense to average assets | 2.5445% | 4,090 |
| Loan and lease loss provision to assets | 0.5174% | 216 |
| Net operating income to assets | 0.6436% | 4,066 |
| Return on assets (ROA) | 0.6702% | 4,038 |
| Pretax return on assets | 0.9443% | 3,678 |
| Return on Equity (ROE) | 6.5864% | 3,741 |
| Retained earnings to average equity (ytd only) | 4.9489% | 2,455 |
| Net charge-offs to loans | 0.0989% | 2,430 |
| Credit loss provision to net charge-offs | 697.2050% | 482 |
| Earnings coverage of net charge-offs (x) | 19.1894% | 1,964 |
| Efficiency ratio | 64.1152% | 4,233 |
| Assets per employee ($millions) | 8.2838% | 501 |
| Cash dividends to net income (ytd only)* | 24.8624% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 3,281 |
| Loan loss allowance to noncurrent loans | 162.9200% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.6314% | 3,175 |
| Noncurrent loans to loans | 0.7570% | 2,910 |
| Net loans and leases to total assets | 74.2883% | 1,677 |
| Net loans and leases to deposits | 88.5257% | 1,808 |
| Net loans and leases to core deposits | 106.1837% | 1,090 |
| Total domestic deposits to total assets | 83.9173% | 3,509 |
| Equity capital to assets | 10.2243% | 3,714 |
| Core capital (leverage) ratio | 10.0033% | 3,502 |
| Tier 1 risk-based capital ratio | 12.1041% | 4,886 |
| Total risk-based capital ratio | 13.1945% | 4,888 |
| Memoranda: | ||
| Average total assets | $433,884,800 | 1,538 |
| Average earning assets | $412,266,200 | 1,496 |
| Average equity | $44,151,400 | 1,669 |
| Average total loans | $325,424,400 | 1,368 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2576% | 2,375 |
| Cost of funding earning assets | 0.2385% | 5,008 |
| Net interest margin | 4.0191% | 1,642 |
| Noninterest income to average assets | 0.1775% | 5,590 |
| Noninterest expense to average assets | 2.4789% | 4,259 |
| Loan and lease loss provision to assets | 0.1387% | 1,603 |
| Net operating income to assets | 0.9282% | 2,816 |
| Return on assets (ROA) | 0.9598% | 2,755 |
| Pretax return on assets | 1.4304% | 1,904 |
| Return on Equity (ROE) | 9.4432% | 2,331 |
| Retained earnings to average equity (ytd only) | 7.2507% | 1,572 |
| Net charge-offs to loans | -0.0769% | 5,692 |
| Credit loss provision to net charge-offs | -240.6417% | 5,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9598% | 4,578 |
| Assets per employee ($millions) | 8.7206% | 413 |
| Cash dividends to net income (ytd only)* | 23.2178% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 5,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 5,393 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 72.7340% | 1,947 |
| Net loans and leases to deposits | 85.3499% | 2,231 |
| Net loans and leases to core deposits | 100.8587% | 1,450 |
| Total domestic deposits to total assets | 85.2186% | 2,921 |
| Equity capital to assets | 10.0509% | 4,096 |
| Core capital (leverage) ratio | 10.3061% | 3,253 |
| Tier 1 risk-based capital ratio | 12.2909% | 4,898 |
| Total risk-based capital ratio | 13.0392% | 5,128 |
| Memoranda: | ||
| Average total assets | $432,595,500 | 1,547 |
| Average earning assets | $411,521,500 | 1,508 |
| Average equity | $43,967,000 | 1,687 |
| Average total loans | $324,223,000 | 1,379 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2413% | 2,389 |
| Cost of funding earning assets | 0.2414% | 5,040 |
| Net interest margin | 3.9999% | 1,634 |
| Noninterest income to average assets | 0.1762% | 5,643 |
| Noninterest expense to average assets | 2.5228% | 4,165 |
| Loan and lease loss provision to assets | 0.1410% | 1,548 |
| Net operating income to assets | 0.8844% | 2,968 |
| Return on assets (ROA) | 0.9304% | 2,854 |
| Pretax return on assets | 1.3880% | 2,033 |
| Return on Equity (ROE) | 9.1181% | 2,476 |
| Retained earnings to average equity (ytd only) | 9.1181% | 886 |
| Net charge-offs to loans | 0.1164% | 1,837 |
| Credit loss provision to net charge-offs | 160.4278% | 1,464 |
| Earnings coverage of net charge-offs (x) | 16.6203% | 1,899 |
| Efficiency ratio | 63.3361% | 4,459 |
| Assets per employee ($millions) | 8.6371% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6970% | 5,825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 5,498 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 74.6611% | 1,558 |
| Net loans and leases to deposits | 87.1208% | 1,926 |
| Net loans and leases to core deposits | 105.5480% | 1,098 |
| Total domestic deposits to total assets | 85.6983% | 2,841 |
| Equity capital to assets | 10.4882% | 3,449 |
| Core capital (leverage) ratio | 10.6833% | 2,748 |
| Tier 1 risk-based capital ratio | 12.6981% | 4,682 |
| Total risk-based capital ratio | 13.3254% | 4,986 |
| Memoranda: | ||
| Average total assets | $425,637,330 | 1,582 |
| Average earning assets | $405,107,000 | 1,535 |
| Average equity | $43,430,000 | 1,713 |
| Average total loans | $321,426,000 | 1,397 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 2,200 |
| Cost of funding earning assets | 0.2419% | 5,109 |
| Net interest margin | 4.0266% | 1,471 |
| Noninterest income to average assets | 0.1590% | 5,784 |
| Noninterest expense to average assets | 2.5579% | 4,071 |
| Loan and lease loss provision to assets | 0.1420% | 1,441 |
| Net operating income to assets | 0.8617% | 2,948 |
| Return on assets (ROA) | 0.9543% | 2,620 |
| Pretax return on assets | 1.4267% | 1,789 |
| Return on Equity (ROE) | 9.4875% | 2,220 |
| Retained earnings to average equity (ytd only) | 9.4875% | 1,043 |
| Net charge-offs to loans | 0.2352% | 1,012 |
| Credit loss provision to net charge-offs | 79.7872% | 1,831 |
| Earnings coverage of net charge-offs (x) | 8.0372% | 2,116 |
| Efficiency ratio | 64.1348% | 4,459 |
| Assets per employee ($millions) | 8.3296% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6420% | 5,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 5,567 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 76.9440% | 1,067 |
| Net loans and leases to deposits | 89.2981% | 1,462 |
| Net loans and leases to core deposits | 107.2888% | 855 |
| Total domestic deposits to total assets | 86.1653% | 2,853 |
| Equity capital to assets | 10.1519% | 3,942 |
| Core capital (leverage) ratio | 10.3498% | 3,165 |
| Tier 1 risk-based capital ratio | 12.5902% | 4,842 |
| Total risk-based capital ratio | 13.2048% | 5,161 |
| Memoranda: | ||
| Average total assets | $422,527,500 | 1,600 |
| Average earning assets | $401,826,500 | 1,552 |
| Average equity | $42,498,000 | 1,748 |
| Average total loans | $319,793,000 | 1,401 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1047% | 3,309 |
| Cost of funding earning assets | 0.3310% | 4,480 |
| Net interest margin | 3.7737% | 2,718 |
| Noninterest income to average assets | 0.1651% | 5,873 |
| Noninterest expense to average assets | 2.4916% | 4,578 |
| Loan and lease loss provision to assets | 0.2121% | 1,177 |
| Net operating income to assets | 0.6971% | 3,907 |
| Return on assets (ROA) | 0.7428% | 3,765 |
| Pretax return on assets | 1.1162% | 3,025 |
| Return on Equity (ROE) | 7.7013% | 3,273 |
| Retained earnings to average equity (ytd only) | 7.7013% | 1,123 |
| Net charge-offs to loans | 0.2828% | 1,534 |
| Credit loss provision to net charge-offs | 112.6761% | 2,109 |
| Earnings coverage of net charge-offs (x) | 6.6927% | 3,153 |
| Efficiency ratio | 66.4118% | 4,177 |
| Assets per employee ($millions) | 8.5764% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6922% | 6,006 |
| Loan loss allowance to noncurrent loans | 358.3333% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 5,219 |
| Noncurrent loans to loans | 0.1932% | 5,129 |
| Net loans and leases to total assets | 73.3996% | 1,686 |
| Net loans and leases to deposits | 86.0041% | 1,987 |
| Net loans and leases to core deposits | 98.9504% | 1,471 |
| Total domestic deposits to total assets | 85.3443% | 3,142 |
| Equity capital to assets | 9.9632% | 4,159 |
| Core capital (leverage) ratio | 9.8781% | 3,739 |
| Tier 1 risk-based capital ratio | 12.5854% | 4,987 |
| Total risk-based capital ratio | 13.2261% | 5,278 |
| Memoranda: | ||
| Average total assets | $414,801,800 | 1,592 |
| Average earning assets | $394,228,000 | 1,552 |
| Average equity | $40,006,000 | 1,780 |
| Average total loans | $276,135,000 | 1,540 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0021% | 3,750 |
| Cost of funding earning assets | 0.3433% | 4,420 |
| Net interest margin | 3.6588% | 3,192 |
| Noninterest income to average assets | 0.1674% | 5,919 |
| Noninterest expense to average assets | 2.5264% | 4,446 |
| Loan and lease loss provision to assets | 0.0322% | 3,762 |
| Net operating income to assets | 0.7295% | 3,789 |
| Return on assets (ROA) | 0.7637% | 3,699 |
| Pretax return on assets | 1.1377% | 3,040 |
| Return on Equity (ROE) | 7.9850% | 3,216 |
| Retained earnings to average equity (ytd only) | 7.9850% | 1,371 |
| Net charge-offs to loans | 0.1774% | 2,031 |
| Credit loss provision to net charge-offs | 28.0899% | 3,483 |
| Earnings coverage of net charge-offs (x) | 9.7473% | 2,628 |
| Efficiency ratio | 69.3029% | 3,626 |
| Assets per employee ($millions) | 9.4404% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6050% | 6,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 5,921 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 67.8660% | 2,560 |
| Net loans and leases to deposits | 77.9902% | 2,952 |
| Net loans and leases to core deposits | 88.7279% | 2,345 |
| Total domestic deposits to total assets | 87.0186% | 2,311 |
| Equity capital to assets | 9.4603% | 4,843 |
| Core capital (leverage) ratio | 9.6793% | 4,113 |
| Tier 1 risk-based capital ratio | 12.8467% | 4,953 |
| Total risk-based capital ratio | 13.4017% | 5,315 |
| Memoranda: | ||
| Average total assets | $413,440,750 | 1,612 |
| Average earning assets | $393,014,000 | 1,563 |
| Average equity | $39,540,000 | 1,807 |
| Average total loans | $267,516,500 | 1,595 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9529% | 3,924 |
| Cost of funding earning assets | 0.3454% | 4,476 |
| Net interest margin | 3.6075% | 3,334 |
| Noninterest income to average assets | 0.1717% | 5,923 |
| Noninterest expense to average assets | 2.6170% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6557% | 4,064 |
| Return on assets (ROA) | 0.6893% | 3,992 |
| Pretax return on assets | 1.0278% | 3,362 |
| Return on Equity (ROE) | 7.1798% | 3,527 |
| Retained earnings to average equity (ytd only) | 7.1798% | 1,679 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8032% | 3,193 |
| Assets per employee ($millions) | 9.8264% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7695% | 6,055 |
| Loan loss allowance to noncurrent loans | 560.1093% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 5,713 |
| Noncurrent loans to loans | 0.1374% | 5,595 |
| Net loans and leases to total assets | 62.5653% | 3,308 |
| Net loans and leases to deposits | 72.0232% | 3,563 |
| Net loans and leases to core deposits | 80.9669% | 3,101 |
| Total domestic deposits to total assets | 86.8683% | 2,535 |
| Equity capital to assets | 9.5045% | 4,741 |
| Core capital (leverage) ratio | 9.7412% | 3,979 |
| Tier 1 risk-based capital ratio | 13.8036% | 4,386 |
| Total risk-based capital ratio | 14.5014% | 4,690 |
| Memoranda: | ||
| Average total assets | $406,501,330 | 1,639 |
| Average earning assets | $385,695,000 | 1,592 |
| Average equity | $39,026,000 | 1,813 |
| Average total loans | $257,852,670 | 1,641 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8953% | 4,103 |
| Cost of funding earning assets | 0.3453% | 4,586 |
| Net interest margin | 3.5500% | 3,480 |
| Noninterest income to average assets | 0.1757% | 5,916 |
| Noninterest expense to average assets | 2.7133% | 3,893 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5520% | 4,450 |
| Return on assets (ROA) | 0.5742% | 4,404 |
| Pretax return on assets | 0.8603% | 3,859 |
| Return on Equity (ROE) | 5.9492% | 4,048 |
| Retained earnings to average equity (ytd only) | 5.9492% | 2,571 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6374% | 2,704 |
| Assets per employee ($millions) | 9.5107% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7936% | 6,116 |
| Loan loss allowance to noncurrent loans | 551.0753% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 5,801 |
| Noncurrent loans to loans | 0.1440% | 5,662 |
| Net loans and leases to total assets | 61.2349% | 3,358 |
| Net loans and leases to deposits | 69.8367% | 3,624 |
| Net loans and leases to core deposits | 78.6345% | 3,130 |
| Total domestic deposits to total assets | 87.6830% | 2,413 |
| Equity capital to assets | 9.2943% | 4,765 |
| Core capital (leverage) ratio | 10.4261% | 3,017 |
| Tier 1 risk-based capital ratio | 13.6626% | 4,568 |
| Total risk-based capital ratio | 14.3677% | 4,876 |
| Memoranda: | ||
| Average total assets | $398,484,000 | 1,671 |
| Average earning assets | $377,689,500 | 1,625 |
| Average equity | $38,459,000 | 1,834 |
| Average total loans | $253,573,500 | 1,675 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 2,535 |
| Cost of funding earning assets | 0.3173% | 5,449 |
| Net interest margin | 4.0962% | 1,652 |
| Noninterest income to average assets | 0.1885% | 5,957 |
| Noninterest expense to average assets | 2.6325% | 4,345 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9621% | 2,508 |
| Return on assets (ROA) | 0.9770% | 2,503 |
| Pretax return on assets | 1.4731% | 1,542 |
| Return on Equity (ROE) | 9.0024% | 2,533 |
| Retained earnings to average equity (ytd only) | 6.7464% | 1,557 |
| Net charge-offs to loans | 0.0108% | 5,236 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 190.2692% | 236 |
| Efficiency ratio | 64.4740% | 4,822 |
| Assets per employee ($millions) | 8.8022% | 357 |
| Cash dividends to net income (ytd only)* | 25.0600% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8238% | 6,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 6,162 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 65.2044% | 2,823 |
| Net loans and leases to deposits | 73.6010% | 3,317 |
| Net loans and leases to core deposits | 82.9419% | 2,780 |
| Total domestic deposits to total assets | 88.5917% | 1,859 |
| Equity capital to assets | 10.0461% | 3,698 |
| Core capital (leverage) ratio | 10.9816% | 2,405 |
| Tier 1 risk-based capital ratio | 14.5903% | 3,910 |
| Total risk-based capital ratio | 15.3535% | 4,170 |
| Memoranda: | ||
| Average total assets | $341,045,600 | 1,889 |
| Average earning assets | $324,248,200 | 1,828 |
| Average equity | $37,012,400 | 1,867 |
| Average total loans | $241,830,400 | 1,712 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5027% | 2,215 |
| Cost of funding earning assets | 0.3087% | 5,657 |
| Net interest margin | 4.1941% | 1,356 |
| Noninterest income to average assets | 0.1877% | 6,068 |
| Noninterest expense to average assets | 2.6462% | 4,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0164% | 2,310 |
| Return on assets (ROA) | 1.0323% | 2,330 |
| Pretax return on assets | 1.5581% | 1,451 |
| Return on Equity (ROE) | 9.3144% | 2,481 |
| Retained earnings to average equity (ytd only) | 9.3144% | 961 |
| Net charge-offs to loans | 0.0078% | 5,008 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 272.5158% | 218 |
| Efficiency ratio | 63.3042% | 4,922 |
| Assets per employee ($millions) | 7.5964% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8717% | 6,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 71.7882% | 1,633 |
| Net loans and leases to deposits | 82.5689% | 2,060 |
| Net loans and leases to core deposits | 93.9795% | 1,579 |
| Total domestic deposits to total assets | 86.9434% | 2,725 |
| Equity capital to assets | 11.5599% | 2,257 |
| Core capital (leverage) ratio | 11.7793% | 1,834 |
| Tier 1 risk-based capital ratio | 15.2776% | 3,577 |
| Total risk-based capital ratio | 16.0919% | 3,808 |
| Memoranda: | ||
| Average total assets | $331,683,000 | 1,950 |
| Average earning assets | $315,741,000 | 1,891 |
| Average equity | $36,759,500 | 1,894 |
| Average total loans | $240,076,500 | 1,720 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 2,409 |
| Cost of funding earning assets | 0.3030% | 5,807 |
| Net interest margin | 4.1391% | 1,439 |
| Noninterest income to average assets | 0.1896% | 6,074 |
| Noninterest expense to average assets | 2.5546% | 4,547 |
| Loan and lease loss provision to assets | 0.0810% | 3,442 |
| Net operating income to assets | 0.9951% | 2,349 |
| Return on assets (ROA) | 1.0085% | 2,428 |
| Pretax return on assets | 1.5251% | 1,546 |
| Return on Equity (ROE) | 9.2297% | 2,531 |
| Retained earnings to average equity (ytd only) | 9.2297% | 1,052 |
| Net charge-offs to loans | 0.0066% | 4,755 |
| Credit loss provision to net charge-offs | 1,687.5000% | 189 |
| Earnings coverage of net charge-offs (x) | 330.3750% | 152 |
| Efficiency ratio | 61.7012% | 5,217 |
| Assets per employee ($millions) | 7.8802% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 6,075 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 73.3504% | 1,350 |
| Net loans and leases to deposits | 83.5803% | 1,857 |
| Net loans and leases to core deposits | 93.4930% | 1,564 |
| Total domestic deposits to total assets | 87.7603% | 2,410 |
| Equity capital to assets | 11.3582% | 2,419 |
| Core capital (leverage) ratio | 11.6343% | 1,839 |
| Tier 1 risk-based capital ratio | 15.0291% | 3,760 |
| Total risk-based capital ratio | 15.9061% | 3,958 |
| Memoranda: | ||
| Average total assets | $333,361,670 | 1,947 |
| Average earning assets | $318,182,000 | 1,881 |
| Average equity | $36,426,000 | 1,920 |
| Average total loans | $241,250,000 | 1,715 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3093% | 2,858 |
| Cost of funding earning assets | 0.2882% | 6,057 |
| Net interest margin | 4.0211% | 1,706 |
| Noninterest income to average assets | 0.1773% | 6,203 |
| Noninterest expense to average assets | 2.5135% | 4,706 |
| Loan and lease loss provision to assets | 0.1595% | 2,280 |
| Net operating income to assets | 0.8979% | 2,668 |
| Return on assets (ROA) | 0.9182% | 2,717 |
| Pretax return on assets | 1.3932% | 1,880 |
| Return on Equity (ROE) | 8.5642% | 2,678 |
| Retained earnings to average equity (ytd only) | 8.5642% | 1,535 |
| Net charge-offs to loans | 0.0132% | 3,880 |
| Credit loss provision to net charge-offs | 1,687.5000% | 191 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 251 |
| Efficiency ratio | 62.2840% | 5,268 |
| Assets per employee ($millions) | 9.1197% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 6,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 72.4744% | 1,287 |
| Net loans and leases to deposits | 82.3906% | 1,776 |
| Net loans and leases to core deposits | 92.4484% | 1,460 |
| Total domestic deposits to total assets | 87.9644% | 2,337 |
| Equity capital to assets | 11.1590% | 2,785 |
| Core capital (leverage) ratio | 11.4085% | 1,942 |
| Tier 1 risk-based capital ratio | 15.1319% | 3,752 |
| Total risk-based capital ratio | 16.0369% | 3,948 |
| Memoranda: | ||
| Average total assets | $338,498,000 | 1,941 |
| Average earning assets | $324,787,000 | 1,863 |
| Average equity | $36,290,500 | 1,947 |
| Average total loans | $242,280,000 | 1,717 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7337% | 2,452 |
| Cost of funding earning assets | 0.3201% | 6,355 |
| Net interest margin | 4.4136% | 1,136 |
| Noninterest income to average assets | 0.1640% | 6,217 |
| Noninterest expense to average assets | 2.8557% | 3,829 |
| Loan and lease loss provision to assets | 0.2353% | 2,780 |
| Net operating income to assets | 0.8602% | 3,001 |
| Return on assets (ROA) | 0.9564% | 2,767 |
| Pretax return on assets | 1.4764% | 1,755 |
| Return on Equity (ROE) | 8.1221% | 3,031 |
| Retained earnings to average equity (ytd only) | 6.4120% | 1,862 |
| Net charge-offs to loans | 0.0378% | 5,391 |
| Credit loss provision to net charge-offs | 843.3735% | 294 |
| Earnings coverage of net charge-offs (x) | 56.0482% | 628 |
| Efficiency ratio | 64.6155% | 4,771 |
| Assets per employee ($millions) | 9.9625% | 240 |
| Cash dividends to net income (ytd only)* | 21.0545% | 3,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 6,395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 69.5010% | 1,940 |
| Net loans and leases to deposits | 83.6397% | 1,797 |
| Net loans and leases to core deposits | 93.9670% | 1,471 |
| Total domestic deposits to total assets | 83.0957% | 4,682 |
| Equity capital to assets | 10.3087% | 3,747 |
| Core capital (leverage) ratio | 11.7738% | 1,686 |
| Tier 1 risk-based capital ratio | 14.6669% | 3,917 |
| Total risk-based capital ratio | 15.5116% | 4,153 |
| Memoranda: | ||
| Average total assets | $297,477,200 | 2,154 |
| Average earning assets | $286,816,600 | 2,065 |
| Average equity | $35,027,800 | 1,972 |
| Average total loans | $219,658,000 | 1,840 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8344% | 2,267 |
| Cost of funding earning assets | 0.3352% | 6,440 |
| Net interest margin | 4.4993% | 990 |
| Noninterest income to average assets | 0.1752% | 6,255 |
| Noninterest expense to average assets | 3.0190% | 3,172 |
| Loan and lease loss provision to assets | 0.2576% | 2,513 |
| Net operating income to assets | 0.8138% | 3,377 |
| Return on assets (ROA) | 0.9152% | 3,130 |
| Pretax return on assets | 1.3990% | 2,239 |
| Return on Equity (ROE) | 7.4867% | 3,534 |
| Retained earnings to average equity (ytd only) | 7.4867% | 1,857 |
| Net charge-offs to loans | 0.0518% | 4,930 |
| Credit loss provision to net charge-offs | 662.6506% | 409 |
| Earnings coverage of net charge-offs (x) | 38.6037% | 905 |
| Efficiency ratio | 66.7979% | 4,289 |
| Assets per employee ($millions) | 7.6467% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8444% | 6,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 6,320 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 73.9412% | 1,254 |
| Net loans and leases to deposits | 88.8282% | 1,266 |
| Net loans and leases to core deposits | 99.5374% | 1,160 |
| Total domestic deposits to total assets | 83.2407% | 4,547 |
| Equity capital to assets | 11.7185% | 2,512 |
| Core capital (leverage) ratio | 11.9758% | 1,669 |
| Tier 1 risk-based capital ratio | 15.5092% | 3,529 |
| Total risk-based capital ratio | 16.3449% | 3,733 |
| Memoranda: | ||
| Average total assets | $284,674,750 | 2,262 |
| Average earning assets | $274,881,750 | 2,159 |
| Average equity | $34,798,500 | 2,008 |
| Average total loans | $213,468,250 | 1,924 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9094% | 2,072 |
| Cost of funding earning assets | 0.3387% | 6,561 |
| Net interest margin | 4.5707% | 875 |
| Noninterest income to average assets | 0.1815% | 6,265 |
| Noninterest expense to average assets | 3.0482% | 3,096 |
| Loan and lease loss provision to assets | 0.2882% | 2,277 |
| Net operating income to assets | 0.8176% | 3,313 |
| Return on assets (ROA) | 0.9488% | 2,927 |
| Pretax return on assets | 1.4481% | 2,019 |
| Return on Equity (ROE) | 7.6458% | 3,422 |
| Retained earnings to average equity (ytd only) | 7.6458% | 1,788 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4729% | 4,440 |
| Assets per employee ($millions) | 7.1945% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 6,564 |
| Loan loss allowance to noncurrent loans | 641.0345% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 6,311 |
| Noncurrent loans to loans | 0.1330% | 6,331 |
| Net loans and leases to total assets | 73.2769% | 1,356 |
| Net loans and leases to deposits | 87.8432% | 1,376 |
| Net loans and leases to core deposits | 97.9313% | 1,282 |
| Total domestic deposits to total assets | 83.4178% | 4,570 |
| Equity capital to assets | 11.8940% | 2,227 |
| Core capital (leverage) ratio | 12.2697% | 1,460 |
| Tier 1 risk-based capital ratio | 15.8044% | 3,273 |
| Total risk-based capital ratio | 16.6417% | 3,471 |
| Memoranda: | ||
| Average total assets | $277,611,000 | 2,314 |
| Average earning assets | $267,486,330 | 2,206 |
| Average equity | $34,450,330 | 2,008 |
| Average total loans | $208,595,330 | 1,954 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0685% | 1,666 |
| Cost of funding earning assets | 0.3443% | 6,664 |
| Net interest margin | 4.7242% | 658 |
| Noninterest income to average assets | 0.1681% | 6,378 |
| Noninterest expense to average assets | 3.1369% | 2,799 |
| Loan and lease loss provision to assets | 0.0892% | 4,243 |
| Net operating income to assets | 0.9634% | 2,623 |
| Return on assets (ROA) | 1.1185% | 2,181 |
| Pretax return on assets | 1.7075% | 1,281 |
| Return on Equity (ROE) | 8.8125% | 2,903 |
| Retained earnings to average equity (ytd only) | 8.8125% | 1,660 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7616% | 4,413 |
| Assets per employee ($millions) | 6.7727% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7355% | 6,833 |
| Loan loss allowance to noncurrent loans | 265.5594% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 6,370 |
| Noncurrent loans to loans | 0.2769% | 6,128 |
| Net loans and leases to total assets | 73.8338% | 1,093 |
| Net loans and leases to deposits | 89.7703% | 985 |
| Net loans and leases to core deposits | 100.4828% | 961 |
| Total domestic deposits to total assets | 82.2475% | 5,214 |
| Equity capital to assets | 12.4305% | 1,768 |
| Core capital (leverage) ratio | 12.7472% | 1,222 |
| Tier 1 risk-based capital ratio | 16.2180% | 3,060 |
| Total risk-based capital ratio | 16.9320% | 3,318 |
| Memoranda: | ||
| Average total assets | $268,930,000 | 2,394 |
| Average earning assets | $257,905,000 | 2,299 |
| Average equity | $34,133,500 | 2,025 |
| Average total loans | $203,890,000 | 1,996 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9921% | 2,914 |
| Cost of funding earning assets | 0.4519% | 6,726 |
| Net interest margin | 4.5402% | 1,043 |
| Noninterest income to average assets | 0.1401% | 6,451 |
| Noninterest expense to average assets | 3.1360% | 3,081 |
| Loan and lease loss provision to assets | 0.0258% | 6,251 |
| Net operating income to assets | 0.8441% | 2,858 |
| Return on assets (ROA) | 1.0993% | 1,952 |
| Pretax return on assets | 1.6865% | 1,015 |
| Return on Equity (ROE) | 8.3769% | 2,727 |
| Retained earnings to average equity (ytd only) | 6.6465% | 1,670 |
| Net charge-offs to loans | 0.0062% | 6,343 |
| Credit loss provision to net charge-offs | 590.9091% | 386 |
| Earnings coverage of net charge-offs (x) | 302.1818% | 122 |
| Efficiency ratio | 70.3823% | 3,869 |
| Assets per employee ($millions) | 7.0319% | 723 |
| Cash dividends to net income (ytd only)* | 20.6573% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7250% | 6,866 |
| Loan loss allowance to noncurrent loans | 255.0699% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 6,413 |
| Noncurrent loans to loans | 0.2842% | 6,156 |
| Net loans and leases to total assets | 76.7854% | 852 |
| Net loans and leases to deposits | 97.6060% | 585 |
| Net loans and leases to core deposits | 111.9453% | 566 |
| Total domestic deposits to total assets | 78.6687% | 6,058 |
| Equity capital to assets | 12.9717% | 1,501 |
| Core capital (leverage) ratio | 13.2689% | 1,047 |
| Tier 1 risk-based capital ratio | 16.2657% | 2,923 |
| Total risk-based capital ratio | 16.9696% | 3,166 |
| Memoranda: | ||
| Average total assets | $251,880,200 | 2,502 |
| Average earning assets | $239,417,000 | 2,411 |
| Average equity | $33,055,200 | 2,018 |
| Average total loans | $178,581,200 | 2,269 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9895% | 3,142 |
| Cost of funding earning assets | 0.4785% | 6,786 |
| Net interest margin | 4.5110% | 1,121 |
| Noninterest income to average assets | 0.1116% | 6,700 |
| Noninterest expense to average assets | 3.2387% | 2,702 |
| Loan and lease loss provision to assets | 0.0347% | 6,004 |
| Net operating income to assets | 0.7278% | 3,473 |
| Return on assets (ROA) | 1.0189% | 2,412 |
| Pretax return on assets | 1.5633% | 1,481 |
| Return on Equity (ROE) | 7.7407% | 3,160 |
| Retained earnings to average equity (ytd only) | 7.7407% | 1,610 |
| Net charge-offs to loans | 0.0085% | 6,043 |
| Credit loss provision to net charge-offs | 590.9091% | 458 |
| Earnings coverage of net charge-offs (x) | 195.8596% | 197 |
| Efficiency ratio | 73.7930% | 3,220 |
| Assets per employee ($millions) | 6.5875% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 6,807 |
| Loan loss allowance to noncurrent loans | 130.7348% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4579% | 5,945 |
| Noncurrent loans to loans | 0.6195% | 5,649 |
| Net loans and leases to total assets | 73.3101% | 1,455 |
| Net loans and leases to deposits | 96.1152% | 689 |
| Net loans and leases to core deposits | 112.8847% | 580 |
| Total domestic deposits to total assets | 76.2731% | 6,496 |
| Equity capital to assets | 13.7358% | 1,271 |
| Core capital (leverage) ratio | 13.4484% | 1,063 |
| Tier 1 risk-based capital ratio | 18.0487% | 2,233 |
| Total risk-based capital ratio | 18.8372% | 2,378 |
| Memoranda: | ||
| Average total assets | $249,805,000 | 2,533 |
| Average earning assets | $236,866,500 | 2,438 |
| Average equity | $32,881,500 | 2,017 |
| Average total loans | $172,916,500 | 2,354 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8898% | 3,669 |
| Cost of funding earning assets | 0.4848% | 6,892 |
| Net interest margin | 4.4050% | 1,353 |
| Noninterest income to average assets | 0.1104% | 6,783 |
| Noninterest expense to average assets | 3.1768% | 2,982 |
| Loan and lease loss provision to assets | 0.0516% | 5,667 |
| Net operating income to assets | 0.6788% | 3,647 |
| Return on assets (ROA) | 0.7537% | 3,400 |
| Pretax return on assets | 1.1611% | 2,635 |
| Return on Equity (ROE) | 5.8074% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.8074% | 2,538 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3218% | 3,304 |
| Assets per employee ($millions) | 6.7057% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8161% | 6,839 |
| Loan loss allowance to noncurrent loans | 50.7947% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 1.1357% | 4,619 |
| Noncurrent loans to loans | 1.6067% | 3,981 |
| Net loans and leases to total assets | 70.1096% | 2,199 |
| Net loans and leases to deposits | 96.4654% | 692 |
| Net loans and leases to core deposits | 114.5609% | 561 |
| Total domestic deposits to total assets | 72.6785% | 6,959 |
| Equity capital to assets | 13.0517% | 1,494 |
| Core capital (leverage) ratio | 13.2463% | 1,073 |
| Tier 1 risk-based capital ratio | 18.4515% | 2,029 |
| Total risk-based capital ratio | 19.2648% | 2,125 |
| Memoranda: | ||
| Average total assets | $251,828,000 | 2,529 |
| Average earning assets | $238,046,000 | 2,440 |
| Average equity | $32,682,330 | 2,019 |
| Average total loans | $170,508,000 | 2,404 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7641% | 4,235 |
| Cost of funding earning assets | 0.4995% | 6,971 |
| Net interest margin | 4.2646% | 1,686 |
| Noninterest income to average assets | 0.0991% | 6,921 |
| Noninterest expense to average assets | 3.1750% | 2,983 |
| Loan and lease loss provision to assets | 0.1039% | 4,712 |
| Net operating income to assets | 0.5408% | 4,313 |
| Return on assets (ROA) | 0.6727% | 3,716 |
| Pretax return on assets | 1.0338% | 3,009 |
| Return on Equity (ROE) | 5.1984% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.1984% | 3,060 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2551% | 2,950 |
| Assets per employee ($millions) | 6.8696% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8710% | 6,771 |
| Loan loss allowance to noncurrent loans | 58.3565% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 1.0186% | 4,869 |
| Noncurrent loans to loans | 1.4926% | 4,232 |
| Net loans and leases to total assets | 67.6497% | 2,629 |
| Net loans and leases to deposits | 91.3569% | 1,076 |
| Net loans and leases to core deposits | 106.3708% | 920 |
| Total domestic deposits to total assets | 74.0499% | 6,895 |
| Equity capital to assets | 13.1061% | 1,339 |
| Core capital (leverage) ratio | 13.2196% | 1,050 |
| Tier 1 risk-based capital ratio | 19.4472% | 1,709 |
| Total risk-based capital ratio | 20.3159% | 1,745 |
| Memoranda: | ||
| Average total assets | $250,333,000 | 2,569 |
| Average earning assets | $235,426,500 | 2,491 |
| Average equity | $32,394,500 | 2,018 |
| Average total loans | $165,701,000 | 2,491 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6016% | 6,111 |
| Cost of funding earning assets | 0.8047% | 6,544 |
| Net interest margin | 3.7969% | 3,961 |
| Noninterest income to average assets | 0.0382% | 7,165 |
| Noninterest expense to average assets | 2.6682% | 5,136 |
| Loan and lease loss provision to assets | 0.0169% | 6,942 |
| Net operating income to assets | 0.6146% | 3,609 |
| Return on assets (ROA) | 0.7886% | 2,980 |
| Pretax return on assets | 1.1932% | 2,245 |
| Return on Equity (ROE) | 6.8498% | 3,185 |
| Retained earnings to average equity (ytd only) | 6.8498% | 1,388 |
| Net charge-offs to loans | 0.0026% | 6,831 |
| Credit loss provision to net charge-offs | 1,075.0000% | 211 |
| Earnings coverage of net charge-offs (x) | 601.2500% | 37 |
| Efficiency ratio | 73.8160% | 3,438 |
| Assets per employee ($millions) | 7.4518% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8639% | 6,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 63.6349% | 3,945 |
| Net loans and leases to deposits | 92.4408% | 1,216 |
| Net loans and leases to core deposits | 107.2887% | 1,101 |
| Total domestic deposits to total assets | 68.8385% | 7,291 |
| Equity capital to assets | 12.7790% | 1,495 |
| Core capital (leverage) ratio | 12.5917% | 1,275 |
| Tier 1 risk-based capital ratio | 19.7445% | 1,540 |
| Total risk-based capital ratio | 20.5855% | 1,600 |
| Memoranda: | ||
| Average total assets | $254,106,400 | 2,502 |
| Average earning assets | $239,350,200 | 2,430 |
| Average equity | $29,256,200 | 2,227 |
| Average total loans | $151,421,400 | 2,747 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5504% | 6,467 |
| Cost of funding earning assets | 0.8315% | 6,648 |
| Net interest margin | 3.7189% | 4,311 |
| Noninterest income to average assets | -0.0299% | 7,483 |
| Noninterest expense to average assets | 2.5838% | 5,389 |
| Loan and lease loss provision to assets | 0.0225% | 6,836 |
| Net operating income to assets | 0.5758% | 3,980 |
| Return on assets (ROA) | 0.7194% | 3,480 |
| Pretax return on assets | 1.0848% | 2,876 |
| Return on Equity (ROE) | 6.4240% | 3,612 |
| Retained earnings to average equity (ytd only) | 6.4240% | 2,128 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3849% | 3,244 |
| Assets per employee ($millions) | 8.3348% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 6,716 |
| Loan loss allowance to noncurrent loans | 35,225.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 7,383 |
| Noncurrent loans to loans | 0.0026% | 7,270 |
| Net loans and leases to total assets | 59.4292% | 5,015 |
| Net loans and leases to deposits | 92.1603% | 1,424 |
| Net loans and leases to core deposits | 107.3302% | 1,208 |
| Total domestic deposits to total assets | 64.4846% | 7,509 |
| Equity capital to assets | 12.4554% | 1,875 |
| Core capital (leverage) ratio | 12.3136% | 1,500 |
| Tier 1 risk-based capital ratio | 19.2617% | 1,693 |
| Total risk-based capital ratio | 20.1010% | 1,750 |
| Memoranda: | ||
| Average total assets | $254,292,750 | 2,543 |
| Average earning assets | $239,561,750 | 2,467 |
| Average equity | $28,476,000 | 2,311 |
| Average total loans | $148,619,000 | 2,831 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 6,701 |
| Cost of funding earning assets | 0.8628% | 6,720 |
| Net interest margin | 3.6434% | 4,613 |
| Noninterest income to average assets | -0.0807% | 7,615 |
| Noninterest expense to average assets | 2.5248% | 5,629 |
| Loan and lease loss provision to assets | 0.0340% | 6,614 |
| Net operating income to assets | 0.5244% | 4,222 |
| Return on assets (ROA) | 0.5662% | 4,162 |
| Pretax return on assets | 0.8564% | 3,673 |
| Return on Equity (ROE) | 5.2568% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.2568% | 2,746 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3244% | 3,201 |
| Assets per employee ($millions) | 8.6770% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 6,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 57.4267% | 5,499 |
| Net loans and leases to deposits | 86.8847% | 2,359 |
| Net loans and leases to core deposits | 103.3027% | 1,702 |
| Total domestic deposits to total assets | 66.0953% | 7,527 |
| Equity capital to assets | 12.4436% | 1,830 |
| Core capital (leverage) ratio | 12.2200% | 1,532 |
| Tier 1 risk-based capital ratio | 18.9635% | 1,730 |
| Total risk-based capital ratio | 19.8150% | 1,783 |
| Memoranda: | ||
| Average total assets | $252,931,000 | 2,577 |
| Average earning assets | $238,293,670 | 2,498 |
| Average equity | $27,240,670 | 2,396 |
| Average total loans | $146,505,000 | 2,891 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5291% | 6,733 |
| Cost of funding earning assets | 0.9041% | 6,755 |
| Net interest margin | 3.6250% | 4,603 |
| Noninterest income to average assets | -0.1467% | 7,775 |
| Noninterest expense to average assets | 2.5175% | 5,669 |
| Loan and lease loss provision to assets | 0.0678% | 5,955 |
| Net operating income to assets | 0.4272% | 4,722 |
| Return on assets (ROA) | 0.5079% | 4,491 |
| Pretax return on assets | 0.8029% | 3,852 |
| Return on Equity (ROE) | 5.1101% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.1101% | 3,099 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1760% | 3,035 |
| Assets per employee ($millions) | 8.6874% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 6,598 |
| Loan loss allowance to noncurrent loans | 17,612.5000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 7,499 |
| Noncurrent loans to loans | 0.0055% | 7,408 |
| Net loans and leases to total assets | 55.1920% | 5,862 |
| Net loans and leases to deposits | 85.7698% | 2,631 |
| Net loans and leases to core deposits | 106.7592% | 1,509 |
| Total domestic deposits to total assets | 64.3490% | 7,671 |
| Equity capital to assets | 10.4339% | 3,312 |
| Core capital (leverage) ratio | 11.2905% | 2,038 |
| Tier 1 risk-based capital ratio | 17.2991% | 2,151 |
| Total risk-based capital ratio | 18.1883% | 2,233 |
| Memoranda: | ||
| Average total assets | $253,580,500 | 2,620 |
| Average earning assets | $238,457,500 | 2,548 |
| Average equity | $25,205,000 | 2,591 |
| Average total loans | $146,801,000 | 2,948 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0035% | 6,421 |
| Cost of funding earning assets | 0.9726% | 7,258 |
| Net interest margin | 4.0309% | 2,741 |
| Noninterest income to average assets | 0.1415% | 7,033 |
| Noninterest expense to average assets | 2.9861% | 4,204 |
| Loan and lease loss provision to assets | 0.1347% | 6,294 |
| Net operating income to assets | 0.7733% | 2,625 |
| Return on assets (ROA) | 0.9197% | 2,176 |
| Pretax return on assets | 0.9550% | 2,746 |
| Return on Equity (ROE) | 8.4902% | 2,200 |
| Retained earnings to average equity (ytd only) | 8.4902% | 586 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1137% | 3,508 |
| Assets per employee ($millions) | 9.1311% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 6,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 59.6191% | 5,394 |
| Net loans and leases to deposits | 90.2247% | 2,183 |
| Net loans and leases to core deposits | 103.6960% | 3,603 |
| Total domestic deposits to total assets | 66.0785% | 7,637 |
| Equity capital to assets | 9.4171% | 4,530 |
| Core capital (leverage) ratio | 9.3050% | 3,964 |
| Tier 1 risk-based capital ratio | 14.5364% | 3,183 |
| Total risk-based capital ratio | 15.3714% | 3,384 |
| Memoranda: | ||
| Average total assets | $207,126,600 | 3,094 |
| Average earning assets | $194,323,400 | 3,043 |
| Average equity | $22,437,600 | 2,899 |
| Average total loans | $139,642,400 | 3,095 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0515% | 6,446 |
| Cost of funding earning assets | 0.9495% | 7,482 |
| Net interest margin | 4.1021% | 2,384 |
| Noninterest income to average assets | 0.1318% | 7,219 |
| Noninterest expense to average assets | 3.1022% | 3,642 |
| Loan and lease loss provision to assets | 0.2494% | 4,960 |
| Net operating income to assets | 0.4462% | 4,213 |
| Return on assets (ROA) | 0.5657% | 3,814 |
| Pretax return on assets | 0.7941% | 3,561 |
| Return on Equity (ROE) | 5.0172% | 3,960 |
| Retained earnings to average equity (ytd only) | 5.0172% | 2,480 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9949% | 3,167 |
| Assets per employee ($millions) | 7.4261% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 6,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 66.9590% | 4,196 |
| Net loans and leases to deposits | 87.1800% | 3,113 |
| Net loans and leases to core deposits | 103.2234% | 4,034 |
| Total domestic deposits to total assets | 76.8055% | 6,393 |
| Equity capital to assets | 10.5230% | 3,483 |
| Core capital (leverage) ratio | 11.0350% | 2,382 |
| Tier 1 risk-based capital ratio | 14.6329% | 3,207 |
| Total risk-based capital ratio | 15.5133% | 3,350 |
| Memoranda: | ||
| Average total assets | $197,273,250 | 3,231 |
| Average earning assets | $184,942,250 | 3,183 |
| Average equity | $22,242,750 | 2,944 |
| Average total loans | $137,465,250 | 3,163 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1310% | 6,315 |
| Cost of funding earning assets | 0.9842% | 7,572 |
| Net interest margin | 4.1469% | 2,172 |
| Noninterest income to average assets | 0.1767% | 7,032 |
| Noninterest expense to average assets | 3.0139% | 4,028 |
| Loan and lease loss provision to assets | 0.2499% | 4,571 |
| Net operating income to assets | 0.6350% | 3,535 |
| Return on assets (ROA) | 0.8157% | 2,893 |
| Pretax return on assets | 1.0165% | 2,944 |
| Return on Equity (ROE) | 7.0579% | 3,177 |
| Retained earnings to average equity (ytd only) | 7.0579% | 1,560 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3358% | 3,985 |
| Assets per employee ($millions) | 6.7645% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 6,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 69.4342% | 3,839 |
| Net loans and leases to deposits | 89.4733% | 2,901 |
| Net loans and leases to core deposits | 107.0340% | 3,717 |
| Total domestic deposits to total assets | 77.6033% | 6,178 |
| Equity capital to assets | 10.9946% | 2,926 |
| Core capital (leverage) ratio | 11.6656% | 1,993 |
| Tier 1 risk-based capital ratio | 15.1374% | 2,966 |
| Total risk-based capital ratio | 16.0246% | 3,046 |
| Memoranda: | ||
| Average total assets | $191,245,330 | 3,328 |
| Average earning assets | $178,834,000 | 3,275 |
| Average equity | $22,103,000 | 2,958 |
| Average total loans | $134,764,670 | 3,254 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2740% | 6,011 |
| Cost of funding earning assets | 1.0168% | 7,645 |
| Net interest margin | 4.2572% | 1,719 |
| Noninterest income to average assets | -0.0690% | 8,119 |
| Noninterest expense to average assets | 3.0680% | 3,498 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8285% | 3,003 |
| Return on assets (ROA) | 1.2147% | 1,724 |
| Pretax return on assets | 1.2147% | 2,571 |
| Return on Equity (ROE) | 10.2371% | 2,224 |
| Retained earnings to average equity (ytd only) | 10.2371% | 1,133 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7375% | 3,040 |
| Assets per employee ($millions) | 5.7278% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8051% | 7,137 |
| 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 | 70.8532% | 3,503 |
| Net loans and leases to deposits | 92.1004% | 2,581 |
| Net loans and leases to core deposits | 111.3276% | 3,280 |
| Total domestic deposits to total assets | 76.9304% | 6,290 |
| Equity capital to assets | 11.6628% | 2,471 |
| Core capital (leverage) ratio | 11.9301% | 1,929 |
| Tier 1 risk-based capital ratio | 16.2046% | 2,613 |
| Total risk-based capital ratio | 16.9962% | 2,707 |
| Memoranda: | ||
| Average total assets | $185,400,000 | 3,422 |
| Average earning assets | $172,697,500 | 3,375 |
| Average equity | $21,998,500 | 2,974 |
| Average total loans | $131,030,500 | 3,339 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5349% | 7,216 |
| Cost of funding earning assets | 1.6009% | 7,447 |
| Net interest margin | 3.9340% | 3,423 |
| Noninterest income to average assets | 0.0884% | 7,697 |
| Noninterest expense to average assets | 3.5112% | 2,363 |
| Loan and lease loss provision to assets | 0.4777% | 2,915 |
| Net operating income to assets | -0.2106% | 6,631 |
| Return on assets (ROA) | 0.0518% | 6,084 |
| Pretax return on assets | 0.0518% | 6,042 |
| Return on Equity (ROE) | 0.3667% | 6,118 |
| Retained earnings to average equity (ytd only) | 0.3667% | 5,027 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9289% | 1,331 |
| Assets per employee ($millions) | 5.6807% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 6,871 |
| 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 | 69.2927% | 4,193 |
| Net loans and leases to deposits | 90.3763% | 3,388 |
| Net loans and leases to core deposits | 111.1502% | 3,660 |
| Total domestic deposits to total assets | 76.6714% | 6,077 |
| Equity capital to assets | 12.0761% | 2,245 |
| Core capital (leverage) ratio | 12.5991% | 1,707 |
| Tier 1 risk-based capital ratio | 15.8999% | 2,705 |
| Total risk-based capital ratio | 16.6979% | 2,801 |
| Memoranda: | ||
| Average total assets | $144,848,800 | 3,993 |
| Average earning assets | $135,865,200 | 3,934 |
| Average equity | $20,455,200 | 3,161 |
| Average total loans | $89,596,000 | 4,241 |