Home > The First National Bank of Wynne > Performance and Condition Ratios
The First National Bank of Wynne, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5452% | 2,913 |
| Cost of funding earning assets | 0.4455% | 4,346 |
| Net interest margin | 4.0998% | 1,609 |
| Noninterest income to average assets | 0.7871% | 1,458 |
| Noninterest expense to average assets | 2.4977% | 3,444 |
| Loan and lease loss provision to assets | 0.0891% | 2,117 |
| Net operating income to assets | 1.4643% | 1,293 |
| Return on assets (ROA) | 1.4903% | 1,270 |
| Pretax return on assets | 1.9372% | 793 |
| Return on Equity (ROE) | 11.1366% | 1,961 |
| Retained earnings to average equity (ytd only) | 8.7684% | 1,109 |
| Net charge-offs to loans | 0.0295% | 2,493 |
| Credit loss provision to net charge-offs | 535.7143% | 594 |
| Earnings coverage of net charge-offs (x) | 119.8066% | 648 |
| Efficiency ratio | 55.0763% | 4,274 |
| Assets per employee ($millions) | 4.4637% | 3,264 |
| Cash dividends to net income (ytd only)* | 21.2653% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,583 |
| Loan loss allowance to noncurrent loans | 172.8101% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5775% | 2,273 |
| Noncurrent loans to loans | 0.6859% | 2,244 |
| Net loans and leases to total assets | 59.8108% | 3,692 |
| Net loans and leases to deposits | 70.2515% | 3,756 |
| Net loans and leases to core deposits | 75.2085% | 3,745 |
| Total domestic deposits to total assets | 85.1381% | 2,373 |
| Equity capital to assets | 13.5957% | 1,317 |
| Core capital (leverage) ratio | 11.9130% | 1,912 |
| Tier 1 risk-based capital ratio | 15.6709% | 2,573 |
| Total risk-based capital ratio | 16.6384% | 2,610 |
| Memoranda: | ||
| Average total assets | $336,566,250 | 1,968 |
| Average earning assets | $304,076,000 | 2,009 |
| Average equity | $45,039,500 | 1,759 |
| Average total loans | $189,985,000 | 2,255 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4577% | 3,155 |
| Cost of funding earning assets | 0.4099% | 4,472 |
| Net interest margin | 4.0478% | 1,771 |
| Noninterest income to average assets | 0.8235% | 1,269 |
| Noninterest expense to average assets | 2.5620% | 3,295 |
| Loan and lease loss provision to assets | 0.0449% | 2,924 |
| Net operating income to assets | 1.4472% | 1,304 |
| Return on assets (ROA) | 1.4860% | 1,234 |
| Pretax return on assets | 1.9241% | 793 |
| Return on Equity (ROE) | 11.1655% | 1,913 |
| Retained earnings to average equity (ytd only) | 10.0413% | 741 |
| Net charge-offs to loans | 0.0207% | 2,447 |
| Credit loss provision to net charge-offs | 394.7368% | 724 |
| Earnings coverage of net charge-offs (x) | 168.8421% | 445 |
| Efficiency ratio | 56.6164% | 4,177 |
| Assets per employee ($millions) | 4.0891% | 3,750 |
| Cash dividends to net income (ytd only)* | 10.0685% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 2,545 |
| Loan loss allowance to noncurrent loans | 174.1623% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 2,283 |
| Noncurrent loans to loans | 0.6870% | 2,255 |
| Net loans and leases to total assets | 59.0462% | 3,819 |
| Net loans and leases to deposits | 69.7808% | 3,859 |
| Net loans and leases to core deposits | 74.2402% | 3,877 |
| Total domestic deposits to total assets | 84.6167% | 2,633 |
| Equity capital to assets | 14.0343% | 1,104 |
| Core capital (leverage) ratio | 11.9285% | 1,872 |
| Tier 1 risk-based capital ratio | 15.6476% | 2,564 |
| Total risk-based capital ratio | 16.5811% | 2,623 |
| Memoranda: | ||
| Average total assets | $334,187,000 | 1,988 |
| Average earning assets | $302,039,670 | 2,027 |
| Average equity | $44,476,330 | 1,777 |
| Average total loans | $183,967,330 | 2,308 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3008% | 3,552 |
| Cost of funding earning assets | 0.3616% | 4,641 |
| Net interest margin | 3.9392% | 2,066 |
| Noninterest income to average assets | 0.9144% | 1,013 |
| Noninterest expense to average assets | 2.5584% | 3,344 |
| Loan and lease loss provision to assets | 0.0888% | 1,936 |
| Net operating income to assets | 1.4189% | 1,327 |
| Return on assets (ROA) | 1.4189% | 1,356 |
| Pretax return on assets | 1.8288% | 921 |
| Return on Equity (ROE) | 10.9508% | 1,967 |
| Retained earnings to average equity (ytd only) | 10.9508% | 815 |
| Net charge-offs to loans | 0.0045% | 2,546 |
| Credit loss provision to net charge-offs | 3,750.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 809.5000% | 81 |
| Efficiency ratio | 56.6287% | 4,258 |
| Assets per employee ($millions) | 4.1429% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 1,887 |
| Loan loss allowance to noncurrent loans | 247.7392% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 2,834 |
| Noncurrent loans to loans | 0.5432% | 2,685 |
| Net loans and leases to total assets | 50.8395% | 4,418 |
| Net loans and leases to deposits | 59.4416% | 4,443 |
| Net loans and leases to core deposits | 62.9725% | 4,430 |
| Total domestic deposits to total assets | 85.5286% | 2,472 |
| Equity capital to assets | 13.1315% | 1,379 |
| Core capital (leverage) ratio | 11.5794% | 2,079 |
| Tier 1 risk-based capital ratio | 15.4904% | 2,656 |
| Total risk-based capital ratio | 16.4469% | 2,706 |
| Memoranda: | ||
| Average total assets | $337,717,000 | 1,985 |
| Average earning assets | $305,339,500 | 2,020 |
| Average equity | $43,759,500 | 1,788 |
| Average total loans | $178,203,500 | 2,387 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2661% | 3,225 |
| Cost of funding earning assets | 0.3065% | 4,541 |
| Net interest margin | 3.9596% | 2,128 |
| Noninterest income to average assets | 0.7580% | 1,610 |
| Noninterest expense to average assets | 2.6142% | 3,294 |
| Loan and lease loss provision to assets | 0.1073% | 2,051 |
| Net operating income to assets | 1.2585% | 1,946 |
| Return on assets (ROA) | 1.2596% | 1,941 |
| Pretax return on assets | 1.6070% | 1,449 |
| Return on Equity (ROE) | 10.1390% | 2,460 |
| Retained earnings to average equity (ytd only) | 3.0422% | 3,874 |
| Net charge-offs to loans | 0.0854% | 1,925 |
| Credit loss provision to net charge-offs | 233.9744% | 1,264 |
| Earnings coverage of net charge-offs (x) | 37.3590% | 1,384 |
| Efficiency ratio | 59.8587% | 3,882 |
| Assets per employee ($millions) | 4.1965% | 3,618 |
| Cash dividends to net income (ytd only)* | 69.9953% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 2,255 |
| Loan loss allowance to noncurrent loans | 236.5803% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.4519% | 2,756 |
| Noncurrent loans to loans | 0.5321% | 2,677 |
| Net loans and leases to total assets | 53.3359% | 4,329 |
| Net loans and leases to deposits | 62.0429% | 4,372 |
| Net loans and leases to core deposits | 65.1365% | 4,397 |
| Total domestic deposits to total assets | 85.9661% | 2,248 |
| Equity capital to assets | 12.7813% | 1,450 |
| Core capital (leverage) ratio | 11.1181% | 2,427 |
| Tier 1 risk-based capital ratio | 16.3513% | 2,286 |
| Total risk-based capital ratio | 17.3614% | 2,311 |
| Memoranda: | ||
| Average total assets | $340,254,000 | 1,949 |
| Average earning assets | $306,695,600 | 1,989 |
| Average equity | $42,272,600 | 1,771 |
| Average total loans | $182,575,000 | 2,312 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1096% | 3,603 |
| Cost of funding earning assets | 0.2974% | 4,541 |
| Net interest margin | 3.8122% | 2,600 |
| Noninterest income to average assets | 0.7627% | 1,617 |
| Noninterest expense to average assets | 2.6026% | 3,272 |
| Loan and lease loss provision to assets | 0.1426% | 1,398 |
| Net operating income to assets | 1.1451% | 2,459 |
| Return on assets (ROA) | 1.1467% | 2,460 |
| Pretax return on assets | 1.4536% | 2,047 |
| Return on Equity (ROE) | 9.2953% | 2,957 |
| Retained earnings to average equity (ytd only) | 2.6468% | 4,355 |
| Net charge-offs to loans | 0.0758% | 1,769 |
| Credit loss provision to net charge-offs | 350.9615% | 890 |
| Earnings coverage of net charge-offs (x) | 39.2509% | 1,375 |
| Efficiency ratio | 61.4461% | 3,591 |
| Assets per employee ($millions) | 4.1111% | 3,710 |
| Cash dividends to net income (ytd only)* | 71.5259% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 2,981 |
| Loan loss allowance to noncurrent loans | 104.4275% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.8671% | 1,700 |
| Noncurrent loans to loans | 1.0892% | 1,560 |
| Net loans and leases to total assets | 60.2015% | 3,820 |
| Net loans and leases to deposits | 71.0747% | 3,843 |
| Net loans and leases to core deposits | 75.4965% | 3,838 |
| Total domestic deposits to total assets | 84.7018% | 2,720 |
| Equity capital to assets | 12.4811% | 1,601 |
| Core capital (leverage) ratio | 11.0171% | 2,561 |
| Tier 1 risk-based capital ratio | 15.1587% | 2,812 |
| Total risk-based capital ratio | 16.1288% | 2,852 |
| Memoranda: | ||
| Average total assets | $341,388,500 | 1,955 |
| Average earning assets | $307,529,000 | 1,994 |
| Average equity | $42,113,500 | 1,776 |
| Average total loans | $182,883,750 | 2,327 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8833% | 4,117 |
| Cost of funding earning assets | 0.2830% | 4,545 |
| Net interest margin | 3.6003% | 3,310 |
| Noninterest income to average assets | 0.7858% | 1,514 |
| Noninterest expense to average assets | 2.6282% | 3,232 |
| Loan and lease loss provision to assets | 0.0875% | 2,171 |
| Net operating income to assets | 1.0408% | 2,847 |
| Return on assets (ROA) | 1.0431% | 2,836 |
| Pretax return on assets | 1.3022% | 2,502 |
| Return on Equity (ROE) | 8.4888% | 3,273 |
| Retained earnings to average equity (ytd only) | 3.7411% | 3,728 |
| Net charge-offs to loans | 0.1072% | 1,293 |
| Credit loss provision to net charge-offs | 159.5745% | 1,516 |
| Earnings coverage of net charge-offs (x) | 25.2872% | 1,645 |
| Efficiency ratio | 64.8649% | 3,180 |
| Assets per employee ($millions) | 4.1014% | 3,728 |
| Cash dividends to net income (ytd only)* | 55.9284% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 3,070 |
| Loan loss allowance to noncurrent loans | 122.6959% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.6955% | 2,148 |
| Noncurrent loans to loans | 0.9242% | 1,873 |
| Net loans and leases to total assets | 55.2187% | 4,227 |
| Net loans and leases to deposits | 63.5437% | 4,313 |
| Net loans and leases to core deposits | 66.6345% | 4,338 |
| Total domestic deposits to total assets | 86.8988% | 1,881 |
| Equity capital to assets | 12.5699% | 1,497 |
| Core capital (leverage) ratio | 10.8111% | 2,685 |
| Tier 1 risk-based capital ratio | 15.7473% | 2,536 |
| Total risk-based capital ratio | 16.6683% | 2,607 |
| Memoranda: | ||
| Average total assets | $342,814,330 | 1,958 |
| Average earning assets | $307,473,670 | 2,004 |
| Average equity | $42,126,330 | 1,783 |
| Average total loans | $175,418,000 | 2,396 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6713% | 4,536 |
| Cost of funding earning assets | 0.2679% | 4,595 |
| Net interest margin | 3.4034% | 3,876 |
| Noninterest income to average assets | 0.8438% | 1,321 |
| Noninterest expense to average assets | 2.7463% | 2,885 |
| Loan and lease loss provision to assets | 0.0867% | 2,065 |
| Net operating income to assets | 0.8535% | 3,485 |
| Return on assets (ROA) | 0.8553% | 3,490 |
| Pretax return on assets | 1.0530% | 3,345 |
| Return on Equity (ROE) | 7.0388% | 3,773 |
| Retained earnings to average equity (ytd only) | 7.0388% | 2,266 |
| Net charge-offs to loans | 0.1064% | 1,139 |
| Credit loss provision to net charge-offs | 166.6667% | 1,159 |
| Earnings coverage of net charge-offs (x) | 21.8667% | 1,421 |
| Efficiency ratio | 70.1190% | 2,470 |
| Assets per employee ($millions) | 4.1625% | 3,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 2,345 |
| Loan loss allowance to noncurrent loans | 141.3029% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.6055% | 2,494 |
| Noncurrent loans to loans | 0.9048% | 2,010 |
| Net loans and leases to total assets | 47.0259% | 4,754 |
| Net loans and leases to deposits | 53.8900% | 4,801 |
| Net loans and leases to core deposits | 56.2810% | 4,829 |
| Total domestic deposits to total assets | 87.2628% | 2,019 |
| Equity capital to assets | 12.2286% | 1,648 |
| Core capital (leverage) ratio | 10.9057% | 2,535 |
| Tier 1 risk-based capital ratio | 14.9562% | 2,886 |
| Total risk-based capital ratio | 15.8219% | 2,994 |
| Memoranda: | ||
| Average total assets | $346,065,500 | 1,967 |
| Average earning assets | $309,104,500 | 2,002 |
| Average equity | $42,052,500 | 1,795 |
| Average total loans | $169,208,500 | 2,485 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 2,815 |
| Cost of funding earning assets | 0.3016% | 4,125 |
| Net interest margin | 3.8651% | 2,206 |
| Noninterest income to average assets | 0.7243% | 1,868 |
| Noninterest expense to average assets | 2.7476% | 2,963 |
| Loan and lease loss provision to assets | 0.0205% | 3,887 |
| Net operating income to assets | 0.9481% | 2,462 |
| Return on assets (ROA) | 0.9449% | 2,502 |
| Pretax return on assets | 1.3962% | 2,005 |
| Return on Equity (ROE) | 7.8831% | 2,849 |
| Retained earnings to average equity (ytd only) | -0.6886% | 5,142 |
| Net charge-offs to loans | -0.0704% | 5,278 |
| Credit loss provision to net charge-offs | -54.5455% | 4,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9027% | 3,289 |
| Assets per employee ($millions) | 4.1268% | 3,772 |
| Cash dividends to net income (ytd only)* | 108.7350% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 2,824 |
| Loan loss allowance to noncurrent loans | 142.2497% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.6000% | 2,552 |
| Noncurrent loans to loans | 0.8387% | 2,125 |
| Net loans and leases to total assets | 49.5524% | 4,677 |
| Net loans and leases to deposits | 56.5987% | 4,765 |
| Net loans and leases to core deposits | 59.0306% | 4,801 |
| Total domestic deposits to total assets | 87.5504% | 1,733 |
| Equity capital to assets | 12.0748% | 1,781 |
| Core capital (leverage) ratio | 10.4632% | 2,887 |
| Tier 1 risk-based capital ratio | 15.2799% | 2,712 |
| Total risk-based capital ratio | 16.1703% | 2,816 |
| Memoranda: | ||
| Average total assets | $291,997,800 | 2,207 |
| Average earning assets | $260,250,200 | 2,282 |
| Average equity | $34,999,000 | 2,081 |
| Average total loans | $156,255,000 | 2,588 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 2,887 |
| Cost of funding earning assets | 0.3122% | 4,003 |
| Net interest margin | 3.8152% | 2,343 |
| Noninterest income to average assets | 0.7257% | 1,881 |
| Noninterest expense to average assets | 2.6715% | 3,156 |
| Loan and lease loss provision to assets | 0.0287% | 3,551 |
| Net operating income to assets | 0.9794% | 2,646 |
| Return on assets (ROA) | 0.9724% | 2,731 |
| Pretax return on assets | 1.4165% | 2,076 |
| Return on Equity (ROE) | 8.1317% | 3,062 |
| Retained earnings to average equity (ytd only) | 8.1317% | 1,173 |
| Net charge-offs to loans | -0.1203% | 5,428 |
| Credit loss provision to net charge-offs | -43.7956% | 4,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7359% | 3,416 |
| Assets per employee ($millions) | 3.6903% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,810 |
| Loan loss allowance to noncurrent loans | 377.8777% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 3,916 |
| Noncurrent loans to loans | 0.3228% | 3,792 |
| Net loans and leases to total assets | 63.1669% | 3,534 |
| Net loans and leases to deposits | 73.7316% | 3,603 |
| Net loans and leases to core deposits | 77.9170% | 3,638 |
| Total domestic deposits to total assets | 85.6714% | 2,441 |
| Equity capital to assets | 12.8211% | 1,484 |
| Core capital (leverage) ratio | 10.9180% | 2,533 |
| Tier 1 risk-based capital ratio | 14.2508% | 3,328 |
| Total risk-based capital ratio | 15.2937% | 3,336 |
| Memoranda: | ||
| Average total assets | $278,335,500 | 2,311 |
| Average earning assets | $248,125,500 | 2,380 |
| Average equity | $33,284,500 | 2,178 |
| Average total loans | $151,857,250 | 2,652 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8837% | 3,612 |
| Cost of funding earning assets | 0.3085% | 3,998 |
| Net interest margin | 3.5752% | 3,126 |
| Noninterest income to average assets | 0.6825% | 2,073 |
| Noninterest expense to average assets | 2.6305% | 3,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8649% | 3,100 |
| Return on assets (ROA) | 0.8560% | 3,182 |
| Pretax return on assets | 1.2193% | 2,704 |
| Return on Equity (ROE) | 7.3266% | 3,380 |
| Retained earnings to average equity (ytd only) | 7.3266% | 1,438 |
| Net charge-offs to loans | -0.1655% | 5,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1023% | 2,996 |
| Assets per employee ($millions) | 3.8785% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 2,349 |
| Loan loss allowance to noncurrent loans | 297.2100% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 3,949 |
| Noncurrent loans to loans | 0.4414% | 3,427 |
| Net loans and leases to total assets | 54.5206% | 4,351 |
| Net loans and leases to deposits | 63.5702% | 4,397 |
| Net loans and leases to core deposits | 66.9608% | 4,419 |
| Total domestic deposits to total assets | 85.7645% | 2,495 |
| Equity capital to assets | 12.0826% | 1,875 |
| Core capital (leverage) ratio | 10.2303% | 3,234 |
| Tier 1 risk-based capital ratio | 14.2144% | 3,301 |
| Total risk-based capital ratio | 15.2462% | 3,345 |
| Memoranda: | ||
| Average total assets | $281,317,000 | 2,304 |
| Average earning assets | $250,222,670 | 2,376 |
| Average equity | $32,866,330 | 2,193 |
| Average total loans | $145,054,000 | 2,732 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6495% | 4,282 |
| Cost of funding earning assets | 0.2982% | 4,063 |
| Net interest margin | 3.3513% | 3,841 |
| Noninterest income to average assets | 0.6673% | 2,107 |
| Noninterest expense to average assets | 2.6662% | 3,258 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7197% | 3,618 |
| Return on assets (ROA) | 0.7197% | 3,661 |
| Pretax return on assets | 0.9945% | 3,391 |
| Return on Equity (ROE) | 6.2660% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.2660% | 2,203 |
| Net charge-offs to loans | -0.0199% | 4,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8328% | 2,437 |
| Assets per employee ($millions) | 3.9259% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 2,066 |
| Loan loss allowance to noncurrent loans | 237.6866% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 3,848 |
| Noncurrent loans to loans | 0.5899% | 3,043 |
| Net loans and leases to total assets | 47.5429% | 4,856 |
| Net loans and leases to deposits | 55.0850% | 4,873 |
| Net loans and leases to core deposits | 57.7877% | 4,889 |
| Total domestic deposits to total assets | 86.3082% | 2,531 |
| Equity capital to assets | 11.6070% | 2,110 |
| Core capital (leverage) ratio | 9.8875% | 3,639 |
| Tier 1 risk-based capital ratio | 13.6516% | 3,682 |
| Total risk-based capital ratio | 14.6112% | 3,773 |
| Memoranda: | ||
| Average total assets | $282,349,500 | 2,311 |
| Average earning assets | $252,200,500 | 2,382 |
| Average equity | $32,429,000 | 2,219 |
| Average total loans | $140,444,000 | 2,812 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9125% | 3,531 |
| Cost of funding earning assets | 0.2950% | 4,123 |
| Net interest margin | 3.6175% | 3,007 |
| Noninterest income to average assets | 0.8736% | 1,503 |
| Noninterest expense to average assets | 2.6141% | 3,635 |
| Loan and lease loss provision to assets | 0.0530% | 3,324 |
| Net operating income to assets | 1.0088% | 2,317 |
| Return on assets (ROA) | 1.0249% | 2,345 |
| Pretax return on assets | 1.4528% | 1,743 |
| Return on Equity (ROE) | 8.2600% | 2,806 |
| Retained earnings to average equity (ytd only) | -5.9814% | 5,707 |
| Net charge-offs to loans | 0.1149% | 2,108 |
| Credit loss provision to net charge-offs | 89.2857% | 2,809 |
| Earnings coverage of net charge-offs (x) | 24.9821% | 1,606 |
| Efficiency ratio | 63.8002% | 3,972 |
| Assets per employee ($millions) | 3.8113% | 4,289 |
| Cash dividends to net income (ytd only)* | 172.4138% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 2,449 |
| Loan loss allowance to noncurrent loans | 211.7909% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 3,763 |
| Noncurrent loans to loans | 0.6218% | 2,983 |
| Net loans and leases to total assets | 50.5918% | 4,719 |
| Net loans and leases to deposits | 58.4333% | 4,762 |
| Net loans and leases to core deposits | 60.9064% | 4,814 |
| Total domestic deposits to total assets | 86.5803% | 2,341 |
| Equity capital to assets | 11.3635% | 2,275 |
| Core capital (leverage) ratio | 9.5722% | 4,002 |
| Tier 1 risk-based capital ratio | 13.5977% | 3,705 |
| Total risk-based capital ratio | 14.5681% | 3,793 |
| Memoranda: | ||
| Average total assets | $282,963,200 | 2,266 |
| Average earning assets | $252,165,200 | 2,344 |
| Average equity | $35,108,800 | 2,068 |
| Average total loans | $146,264,400 | 2,691 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8958% | 3,601 |
| Cost of funding earning assets | 0.2987% | 4,116 |
| Net interest margin | 3.5971% | 3,084 |
| Noninterest income to average assets | 0.9119% | 1,371 |
| Noninterest expense to average assets | 2.6327% | 3,558 |
| Loan and lease loss provision to assets | 0.0353% | 3,534 |
| Net operating income to assets | 1.0202% | 2,329 |
| Return on assets (ROA) | 1.0400% | 2,369 |
| Pretax return on assets | 1.4760% | 1,786 |
| Return on Equity (ROE) | 8.2101% | 2,902 |
| Retained earnings to average equity (ytd only) | 8.2101% | 1,081 |
| Net charge-offs to loans | 0.1218% | 1,741 |
| Credit loss provision to net charge-offs | 55.9701% | 2,959 |
| Earnings coverage of net charge-offs (x) | 23.5078% | 1,715 |
| Efficiency ratio | 63.9671% | 3,939 |
| Assets per employee ($millions) | 3.8457% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 3,639 |
| Loan loss allowance to noncurrent loans | 189.9083% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 3,834 |
| Noncurrent loans to loans | 0.5980% | 3,220 |
| Net loans and leases to total assets | 56.9874% | 4,195 |
| Net loans and leases to deposits | 70.1142% | 3,974 |
| Net loans and leases to core deposits | 73.2421% | 4,060 |
| Total domestic deposits to total assets | 81.2779% | 4,174 |
| Equity capital to assets | 13.0577% | 1,460 |
| Core capital (leverage) ratio | 11.4396% | 2,080 |
| Tier 1 risk-based capital ratio | 15.8139% | 2,698 |
| Total risk-based capital ratio | 16.7646% | 2,753 |
| Memoranda: | ||
| Average total assets | $283,195,500 | 2,270 |
| Average earning assets | $252,231,250 | 2,355 |
| Average equity | $35,873,750 | 2,040 |
| Average total loans | $146,683,000 | 2,691 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7783% | 4,028 |
| Cost of funding earning assets | 0.2951% | 4,193 |
| Net interest margin | 3.4832% | 3,547 |
| Noninterest income to average assets | 0.8934% | 1,393 |
| Noninterest expense to average assets | 2.6194% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9754% | 2,496 |
| Return on assets (ROA) | 0.9889% | 2,581 |
| Pretax return on assets | 1.3907% | 2,065 |
| Return on Equity (ROE) | 7.8883% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.8883% | 1,206 |
| Net charge-offs to loans | 0.1136% | 1,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 24.2375% | 1,558 |
| Efficiency ratio | 65.6328% | 3,740 |
| Assets per employee ($millions) | 3.6696% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,848 |
| Loan loss allowance to noncurrent loans | 215.6909% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 4,068 |
| Noncurrent loans to loans | 0.5977% | 3,271 |
| Net loans and leases to total assets | 51.2434% | 4,744 |
| Net loans and leases to deposits | 60.5627% | 4,764 |
| Net loans and leases to core deposits | 63.1597% | 4,800 |
| Total domestic deposits to total assets | 84.6121% | 3,044 |
| Equity capital to assets | 13.2086% | 1,385 |
| Core capital (leverage) ratio | 11.0591% | 2,377 |
| Tier 1 risk-based capital ratio | 15.9934% | 2,647 |
| Total risk-based capital ratio | 16.9696% | 2,709 |
| Memoranda: | ||
| Average total assets | $282,732,670 | 2,284 |
| Average earning assets | $251,433,330 | 2,372 |
| Average equity | $35,445,000 | 2,063 |
| Average total loans | $140,897,330 | 2,772 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6039% | 4,604 |
| Cost of funding earning assets | 0.2876% | 4,302 |
| Net interest margin | 3.3162% | 4,159 |
| Noninterest income to average assets | 1.0904% | 911 |
| Noninterest expense to average assets | 2.6821% | 3,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9666% | 2,426 |
| Return on assets (ROA) | 0.9676% | 2,534 |
| Pretax return on assets | 1.3557% | 2,068 |
| Return on Equity (ROE) | 7.9220% | 2,958 |
| Retained earnings to average equity (ytd only) | 7.9220% | 1,490 |
| Net charge-offs to loans | -0.0229% | 4,923 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4476% | 3,725 |
| Assets per employee ($millions) | 3.7113% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 2,369 |
| Loan loss allowance to noncurrent loans | 95.2146% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.8044% | 2,685 |
| Noncurrent loans to loans | 1.4827% | 1,593 |
| Net loans and leases to total assets | 47.7831% | 4,982 |
| Net loans and leases to deposits | 56.0597% | 4,980 |
| Net loans and leases to core deposits | 58.4424% | 5,019 |
| Total domestic deposits to total assets | 85.2361% | 3,025 |
| Equity capital to assets | 12.5789% | 1,634 |
| Core capital (leverage) ratio | 10.5558% | 2,902 |
| Tier 1 risk-based capital ratio | 14.5286% | 3,379 |
| Total risk-based capital ratio | 15.4800% | 3,476 |
| Memoranda: | ||
| Average total assets | $286,488,000 | 2,266 |
| Average earning assets | $254,504,500 | 2,352 |
| Average equity | $34,991,000 | 2,088 |
| Average total loans | $139,908,500 | 2,785 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0595% | 3,076 |
| Cost of funding earning assets | 0.2967% | 4,286 |
| Net interest margin | 3.7629% | 2,511 |
| Noninterest income to average assets | 0.6968% | 2,216 |
| Noninterest expense to average assets | 2.8340% | 3,094 |
| Loan and lease loss provision to assets | -0.2222% | 6,006 |
| Net operating income to assets | 1.0117% | 2,297 |
| Return on assets (ROA) | 1.0315% | 2,290 |
| Pretax return on assets | 1.4545% | 1,699 |
| Return on Equity (ROE) | 8.4177% | 2,753 |
| Retained earnings to average equity (ytd only) | 0.8131% | 5,197 |
| Net charge-offs to loans | -0.0808% | 5,718 |
| Credit loss provision to net charge-offs | 508.1967% | 633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8737% | 3,427 |
| Assets per employee ($millions) | 3.8278% | 4,241 |
| Cash dividends to net income (ytd only)* | 90.3405% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 2,698 |
| Loan loss allowance to noncurrent loans | 96.0520% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.7710% | 2,753 |
| Noncurrent loans to loans | 1.3982% | 1,671 |
| Net loans and leases to total assets | 48.5322% | 4,972 |
| Net loans and leases to deposits | 56.4104% | 5,015 |
| Net loans and leases to core deposits | 58.8347% | 5,050 |
| Total domestic deposits to total assets | 86.0341% | 2,624 |
| Equity capital to assets | 11.8598% | 2,065 |
| Core capital (leverage) ratio | 10.2803% | 3,177 |
| Tier 1 risk-based capital ratio | 13.9214% | 3,754 |
| Total risk-based capital ratio | 14.8627% | 3,874 |
| Memoranda: | ||
| Average total assets | $279,003,600 | 2,281 |
| Average earning assets | $247,761,600 | 2,361 |
| Average equity | $34,190,000 | 2,080 |
| Average total loans | $150,946,600 | 2,586 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 3,018 |
| Cost of funding earning assets | 0.3022% | 4,319 |
| Net interest margin | 3.7790% | 2,463 |
| Noninterest income to average assets | 0.6912% | 2,275 |
| Noninterest expense to average assets | 2.8673% | 2,946 |
| Loan and lease loss provision to assets | -0.2995% | 6,158 |
| Net operating income to assets | 1.0450% | 2,243 |
| Return on assets (ROA) | 1.0598% | 2,265 |
| Pretax return on assets | 1.4964% | 1,686 |
| Return on Equity (ROE) | 8.5755% | 2,785 |
| Retained earnings to average equity (ytd only) | -1.5869% | 5,811 |
| Net charge-offs to loans | -0.3270% | 6,099 |
| Credit loss provision to net charge-offs | 165.3333% | 1,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1554% | 3,344 |
| Assets per employee ($millions) | 3.5972% | 4,614 |
| Cash dividends to net income (ytd only)* | 118.5050% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 2,976 |
| Loan loss allowance to noncurrent loans | 77.0457% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.1066% | 2,140 |
| Noncurrent loans to loans | 1.7185% | 1,400 |
| Net loans and leases to total assets | 58.5227% | 4,079 |
| Net loans and leases to deposits | 70.0616% | 3,978 |
| Net loans and leases to core deposits | 73.3273% | 4,071 |
| Total domestic deposits to total assets | 83.5304% | 3,602 |
| Equity capital to assets | 12.2549% | 1,903 |
| Core capital (leverage) ratio | 9.9976% | 3,627 |
| Tier 1 risk-based capital ratio | 13.8659% | 3,922 |
| Total risk-based capital ratio | 14.9535% | 3,955 |
| Memoranda: | ||
| Average total assets | $276,025,500 | 2,317 |
| Average earning assets | $244,855,500 | 2,404 |
| Average equity | $34,112,000 | 2,097 |
| Average total loans | $152,905,750 | 2,567 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9276% | 3,585 |
| Cost of funding earning assets | 0.2938% | 4,457 |
| Net interest margin | 3.6338% | 2,965 |
| Noninterest income to average assets | 0.7145% | 2,155 |
| Noninterest expense to average assets | 2.8501% | 3,064 |
| Loan and lease loss provision to assets | -0.4498% | 6,266 |
| Net operating income to assets | 1.0823% | 2,006 |
| Return on assets (ROA) | 1.0946% | 2,070 |
| Pretax return on assets | 1.5524% | 1,475 |
| Return on Equity (ROE) | 8.8328% | 2,639 |
| Retained earnings to average equity (ytd only) | -4.6301% | 6,002 |
| Net charge-offs to loans | -0.5258% | 6,211 |
| Credit loss provision to net charge-offs | 158.1633% | 1,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1014% | 3,309 |
| Assets per employee ($millions) | 3.6381% | 4,559 |
| Cash dividends to net income (ytd only)* | 152.4188% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 2,765 |
| Loan loss allowance to noncurrent loans | 48.5816% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 1.8266% | 1,258 |
| Noncurrent loans to loans | 2.8782% | 706 |
| Net loans and leases to total assets | 56.6483% | 4,259 |
| Net loans and leases to deposits | 68.3569% | 4,102 |
| Net loans and leases to core deposits | 71.7412% | 4,163 |
| Total domestic deposits to total assets | 82.8714% | 3,996 |
| Equity capital to assets | 12.1752% | 1,893 |
| Core capital (leverage) ratio | 10.0610% | 3,517 |
| Tier 1 risk-based capital ratio | 13.8245% | 4,021 |
| Total risk-based capital ratio | 14.9330% | 4,044 |
| Memoranda: | ||
| Average total assets | $275,706,330 | 2,331 |
| Average earning assets | $244,372,000 | 2,427 |
| Average equity | $34,168,000 | 2,109 |
| Average total loans | $149,116,670 | 2,628 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 3,859 |
| Cost of funding earning assets | 0.2857% | 4,602 |
| Net interest margin | 3.5547% | 3,207 |
| Noninterest income to average assets | 0.9497% | 1,233 |
| Noninterest expense to average assets | 3.0123% | 2,546 |
| Loan and lease loss provision to assets | 0.1083% | 1,902 |
| Net operating income to assets | 0.7393% | 3,599 |
| Return on assets (ROA) | 0.7448% | 3,696 |
| Pretax return on assets | 0.9786% | 3,570 |
| Return on Equity (ROE) | 5.9582% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.9582% | 2,527 |
| Net charge-offs to loans | 0.0028% | 3,226 |
| Credit loss provision to net charge-offs | 7,500.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 748.0000% | 59 |
| Efficiency ratio | 71.3933% | 3,270 |
| Assets per employee ($millions) | 3.8635% | 4,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7368% | 1,650 |
| Loan loss allowance to noncurrent loans | 116.1621% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.9307% | 2,769 |
| Noncurrent loans to loans | 1.4952% | 1,889 |
| Net loans and leases to total assets | 50.0285% | 4,848 |
| Net loans and leases to deposits | 58.6880% | 4,862 |
| Net loans and leases to core deposits | 61.4780% | 4,874 |
| Total domestic deposits to total assets | 85.2449% | 3,287 |
| Equity capital to assets | 12.4011% | 1,756 |
| Core capital (leverage) ratio | 10.4980% | 2,965 |
| Tier 1 risk-based capital ratio | 13.8302% | 4,130 |
| Total risk-based capital ratio | 15.0353% | 4,079 |
| Memoranda: | ||
| Average total assets | $277,130,000 | 2,335 |
| Average earning assets | $244,971,000 | 2,427 |
| Average equity | $34,641,500 | 2,089 |
| Average total loans | $145,294,000 | 2,685 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 3,505 |
| Cost of funding earning assets | 0.3221% | 4,561 |
| Net interest margin | 3.7331% | 2,865 |
| Noninterest income to average assets | 0.6719% | 2,442 |
| Noninterest expense to average assets | 2.8988% | 3,155 |
| Loan and lease loss provision to assets | 0.0538% | 3,481 |
| Net operating income to assets | 0.7644% | 3,543 |
| Return on assets (ROA) | 0.8083% | 3,419 |
| Pretax return on assets | 1.0725% | 3,197 |
| Return on Equity (ROE) | 6.8925% | 3,696 |
| Retained earnings to average equity (ytd only) | 6.8925% | 1,453 |
| Net charge-offs to loans | 0.0153% | 4,573 |
| Credit loss provision to net charge-offs | 681.8182% | 388 |
| Earnings coverage of net charge-offs (x) | 135.2273% | 397 |
| Efficiency ratio | 70.7990% | 3,414 |
| Assets per employee ($millions) | 3.6787% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6463% | 1,938 |
| Loan loss allowance to noncurrent loans | 131.5217% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 2,999 |
| Noncurrent loans to loans | 1.2518% | 2,360 |
| Net loans and leases to total assets | 53.1091% | 4,674 |
| Net loans and leases to deposits | 62.4855% | 4,681 |
| Net loans and leases to core deposits | 65.4827% | 4,709 |
| Total domestic deposits to total assets | 84.9942% | 3,280 |
| Equity capital to assets | 12.6026% | 1,586 |
| Core capital (leverage) ratio | 10.6540% | 2,775 |
| Tier 1 risk-based capital ratio | 14.9022% | 3,540 |
| Total risk-based capital ratio | 16.1527% | 3,475 |
| Memoranda: | ||
| Average total assets | $278,600,200 | 2,290 |
| Average earning assets | $245,879,600 | 2,377 |
| Average equity | $32,673,400 | 2,130 |
| Average total loans | $143,645,800 | 2,657 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9667% | 3,898 |
| Cost of funding earning assets | 0.3309% | 4,549 |
| Net interest margin | 3.6358% | 3,286 |
| Noninterest income to average assets | 0.6438% | 2,610 |
| Noninterest expense to average assets | 2.9165% | 3,065 |
| Loan and lease loss provision to assets | 0.0714% | 2,918 |
| Net operating income to assets | 0.6759% | 4,074 |
| Return on assets (ROA) | 0.7104% | 3,989 |
| Pretax return on assets | 0.9160% | 3,924 |
| Return on Equity (ROE) | 6.1696% | 4,146 |
| Retained earnings to average equity (ytd only) | 6.1696% | 2,292 |
| Net charge-offs to loans | 0.0075% | 4,450 |
| Credit loss provision to net charge-offs | 1,875.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 247.6664% | 270 |
| Efficiency ratio | 73.2339% | 2,952 |
| Assets per employee ($millions) | 3.6942% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 2,715 |
| Loan loss allowance to noncurrent loans | 63.3195% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.5910% | 1,917 |
| Noncurrent loans to loans | 2.3673% | 1,258 |
| Net loans and leases to total assets | 57.7290% | 4,112 |
| Net loans and leases to deposits | 70.3701% | 3,880 |
| Net loans and leases to core deposits | 74.0325% | 3,934 |
| Total domestic deposits to total assets | 82.0362% | 4,464 |
| Equity capital to assets | 12.0821% | 1,987 |
| Core capital (leverage) ratio | 10.3399% | 3,234 |
| Tier 1 risk-based capital ratio | 13.9806% | 4,232 |
| Total risk-based capital ratio | 15.2097% | 4,183 |
| Memoranda: | ||
| Average total assets | $280,195,000 | 2,292 |
| Average earning assets | $247,824,500 | 2,382 |
| Average equity | $32,265,000 | 2,158 |
| Average total loans | $142,808,750 | 2,688 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7319% | 4,756 |
| Cost of funding earning assets | 0.3324% | 4,619 |
| Net interest margin | 3.3996% | 4,173 |
| Noninterest income to average assets | 0.6720% | 2,419 |
| Noninterest expense to average assets | 2.8645% | 3,291 |
| Loan and lease loss provision to assets | 0.1067% | 2,233 |
| Net operating income to assets | 0.5707% | 4,494 |
| Return on assets (ROA) | 0.6230% | 4,331 |
| Pretax return on assets | 0.7858% | 4,332 |
| Return on Equity (ROE) | 5.4988% | 4,429 |
| Retained earnings to average equity (ytd only) | 5.4988% | 2,634 |
| Net charge-offs to loans | 0.0117% | 4,016 |
| Credit loss provision to net charge-offs | 1,875.0000% | 200 |
| Earnings coverage of net charge-offs (x) | 145.2500% | 419 |
| Efficiency ratio | 75.1830% | 2,779 |
| Assets per employee ($millions) | 3.5191% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 2,142 |
| Loan loss allowance to noncurrent loans | 61.1711% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 1.6345% | 2,005 |
| Noncurrent loans to loans | 2.7735% | 1,084 |
| Net loans and leases to total assets | 50.7291% | 4,884 |
| Net loans and leases to deposits | 58.9748% | 4,951 |
| Net loans and leases to core deposits | 61.6935% | 4,993 |
| Total domestic deposits to total assets | 86.0183% | 3,028 |
| Equity capital to assets | 11.7404% | 2,216 |
| Core capital (leverage) ratio | 9.5677% | 4,226 |
| Tier 1 risk-based capital ratio | 14.1901% | 4,133 |
| Total risk-based capital ratio | 15.4406% | 4,065 |
| Memoranda: | ||
| Average total assets | $281,239,330 | 2,279 |
| Average earning assets | $249,736,670 | 2,359 |
| Average equity | $31,861,670 | 2,166 |
| Average total loans | $136,285,330 | 2,773 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6141% | 5,132 |
| Cost of funding earning assets | 0.3195% | 4,864 |
| Net interest margin | 3.2947% | 4,556 |
| Noninterest income to average assets | 0.6760% | 2,315 |
| Noninterest expense to average assets | 2.8481% | 3,389 |
| Loan and lease loss provision to assets | 0.1061% | 2,153 |
| Net operating income to assets | 0.5324% | 4,543 |
| Return on assets (ROA) | 0.5614% | 4,486 |
| Pretax return on assets | 0.6887% | 4,524 |
| Return on Equity (ROE) | 5.0456% | 4,531 |
| Retained earnings to average equity (ytd only) | 5.0456% | 3,092 |
| Net charge-offs to loans | -0.0030% | 4,739 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4798% | 2,729 |
| Assets per employee ($millions) | 3.6786% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8749% | 1,825 |
| Loan loss allowance to noncurrent loans | 58.9641% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 1.5770% | 2,236 |
| Noncurrent loans to loans | 3.1798% | 966 |
| Net loans and leases to total assets | 42.6456% | 5,614 |
| Net loans and leases to deposits | 49.1361% | 5,658 |
| Net loans and leases to core deposits | 51.3678% | 5,661 |
| Total domestic deposits to total assets | 86.7908% | 2,942 |
| Equity capital to assets | 10.9705% | 2,741 |
| Core capital (leverage) ratio | 9.4704% | 4,324 |
| Tier 1 risk-based capital ratio | 14.3495% | 4,100 |
| Total risk-based capital ratio | 15.5999% | 4,055 |
| Memoranda: | ||
| Average total assets | $282,856,000 | 2,278 |
| Average earning assets | $251,678,000 | 2,343 |
| Average equity | $31,473,000 | 2,184 |
| Average total loans | $132,696,000 | 2,838 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2882% | 3,007 |
| Cost of funding earning assets | 0.4312% | 4,308 |
| Net interest margin | 3.8570% | 2,444 |
| Noninterest income to average assets | 0.7381% | 2,341 |
| Noninterest expense to average assets | 2.7351% | 3,974 |
| Loan and lease loss provision to assets | 0.0790% | 3,527 |
| Net operating income to assets | 0.8832% | 2,863 |
| Return on assets (ROA) | 0.9106% | 2,814 |
| Pretax return on assets | 1.2191% | 2,500 |
| Return on Equity (ROE) | 7.6357% | 3,229 |
| Retained earnings to average equity (ytd only) | -5.3261% | 6,388 |
| Net charge-offs to loans | 0.0744% | 4,169 |
| Credit loss provision to net charge-offs | 218.4466% | 1,058 |
| Earnings coverage of net charge-offs (x) | 34.8641% | 1,061 |
| Efficiency ratio | 66.2184% | 4,517 |
| Assets per employee ($millions) | 3.5728% | 4,753 |
| Cash dividends to net income (ytd only)* | 169.7531% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 2,578 |
| Loan loss allowance to noncurrent loans | 56.1352% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 1.6950% | 2,171 |
| Noncurrent loans to loans | 2.9354% | 1,192 |
| Net loans and leases to total assets | 49.7268% | 5,114 |
| Net loans and leases to deposits | 57.5810% | 5,158 |
| Net loans and leases to core deposits | 60.0347% | 5,217 |
| Total domestic deposits to total assets | 86.3598% | 3,075 |
| Equity capital to assets | 11.2921% | 2,348 |
| Core capital (leverage) ratio | 9.2951% | 4,559 |
| Tier 1 risk-based capital ratio | 14.1490% | 4,193 |
| Total risk-based capital ratio | 15.3961% | 4,144 |
| Memoranda: | ||
| Average total assets | $284,633,600 | 2,236 |
| Average earning assets | $240,472,200 | 2,420 |
| Average equity | $33,945,800 | 2,030 |
| Average total loans | $138,458,200 | 2,728 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2573% | 3,167 |
| Cost of funding earning assets | 0.4596% | 4,177 |
| Net interest margin | 3.7977% | 2,647 |
| Noninterest income to average assets | 0.7595% | 2,322 |
| Noninterest expense to average assets | 2.6832% | 4,083 |
| Loan and lease loss provision to assets | 0.1045% | 3,015 |
| Net operating income to assets | 0.8703% | 2,991 |
| Return on assets (ROA) | 0.8887% | 3,007 |
| Pretax return on assets | 1.1665% | 2,824 |
| Return on Equity (ROE) | 7.3576% | 3,457 |
| Retained earnings to average equity (ytd only) | 7.3576% | 1,704 |
| Net charge-offs to loans | 0.0906% | 3,665 |
| Credit loss provision to net charge-offs | 239.3617% | 1,022 |
| Earnings coverage of net charge-offs (x) | 28.5533% | 1,280 |
| Efficiency ratio | 66.0402% | 4,469 |
| Assets per employee ($millions) | 3.8215% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 3,586 |
| Loan loss allowance to noncurrent loans | 56.8148% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 1.6641% | 2,468 |
| Noncurrent loans to loans | 2.5887% | 1,646 |
| Net loans and leases to total assets | 54.5088% | 4,529 |
| Net loans and leases to deposits | 68.6855% | 3,976 |
| Net loans and leases to core deposits | 71.8218% | 4,117 |
| Total domestic deposits to total assets | 79.3600% | 5,664 |
| Equity capital to assets | 12.3597% | 1,668 |
| Core capital (leverage) ratio | 10.8241% | 2,643 |
| Tier 1 risk-based capital ratio | 15.1428% | 3,660 |
| Total risk-based capital ratio | 16.3137% | 3,662 |
| Memoranda: | ||
| Average total assets | $287,015,750 | 2,235 |
| Average earning assets | $239,615,250 | 2,440 |
| Average equity | $34,666,000 | 2,008 |
| Average total loans | $138,299,500 | 2,740 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0941% | 3,754 |
| Cost of funding earning assets | 0.5008% | 3,890 |
| Net interest margin | 3.5933% | 3,388 |
| Noninterest income to average assets | 0.7004% | 2,637 |
| Noninterest expense to average assets | 2.6711% | 4,138 |
| Loan and lease loss provision to assets | 0.1040% | 3,059 |
| Net operating income to assets | 0.6930% | 3,841 |
| Return on assets (ROA) | 0.7219% | 3,881 |
| Pretax return on assets | 0.9070% | 3,879 |
| Return on Equity (ROE) | 6.0224% | 4,162 |
| Retained earnings to average equity (ytd only) | 6.0224% | 2,429 |
| Net charge-offs to loans | 0.1316% | 3,057 |
| Credit loss provision to net charge-offs | 172.4138% | 1,370 |
| Earnings coverage of net charge-offs (x) | 16.1609% | 1,680 |
| Efficiency ratio | 70.8634% | 3,666 |
| Assets per employee ($millions) | 3.6744% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 3,151 |
| Loan loss allowance to noncurrent loans | 47.3093% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 1.7221% | 2,529 |
| Noncurrent loans to loans | 3.3872% | 1,264 |
| Net loans and leases to total assets | 49.0996% | 5,214 |
| Net loans and leases to deposits | 57.4025% | 5,210 |
| Net loans and leases to core deposits | 62.2179% | 5,076 |
| Total domestic deposits to total assets | 85.5355% | 3,624 |
| Equity capital to assets | 12.2260% | 1,759 |
| Core capital (leverage) ratio | 10.1986% | 3,234 |
| Tier 1 risk-based capital ratio | 15.1965% | 3,648 |
| Total risk-based capital ratio | 16.3738% | 3,658 |
| Memoranda: | ||
| Average total assets | $288,424,000 | 2,234 |
| Average earning assets | $236,440,000 | 2,481 |
| Average equity | $34,570,670 | 2,009 |
| Average total loans | $132,250,330 | 2,838 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9843% | 4,186 |
| Cost of funding earning assets | 0.5215% | 3,870 |
| Net interest margin | 3.4629% | 3,848 |
| Noninterest income to average assets | 0.6007% | 3,133 |
| Noninterest expense to average assets | 2.5351% | 4,631 |
| Loan and lease loss provision to assets | 0.1024% | 2,967 |
| Net operating income to assets | 0.6359% | 4,045 |
| Return on assets (ROA) | 0.6348% | 4,211 |
| Pretax return on assets | 0.7631% | 4,316 |
| Return on Equity (ROE) | 5.3471% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.3471% | 3,026 |
| Net charge-offs to loans | 0.2735% | 1,862 |
| Credit loss provision to net charge-offs | 85.2273% | 2,096 |
| Earnings coverage of net charge-offs (x) | 7.2159% | 2,102 |
| Efficiency ratio | 71.9904% | 3,614 |
| Assets per employee ($millions) | 3.9536% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7673% | 2,749 |
| Loan loss allowance to noncurrent loans | 43.7703% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 1.6923% | 2,752 |
| Noncurrent loans to loans | 4.0377% | 1,115 |
| Net loans and leases to total assets | 40.4330% | 5,963 |
| Net loans and leases to deposits | 46.9362% | 5,993 |
| Net loans and leases to core deposits | 50.8465% | 5,907 |
| Total domestic deposits to total assets | 86.1444% | 3,452 |
| Equity capital to assets | 11.7829% | 2,191 |
| Core capital (leverage) ratio | 9.9103% | 3,514 |
| Tier 1 risk-based capital ratio | 15.8782% | 3,336 |
| Total risk-based capital ratio | 17.0934% | 3,314 |
| Memoranda: | ||
| Average total assets | $293,007,500 | 2,236 |
| Average earning assets | $237,029,000 | 2,499 |
| Average equity | $34,785,000 | 2,027 |
| Average total loans | $128,702,000 | 2,912 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6695% | 2,711 |
| Cost of funding earning assets | 0.6323% | 4,075 |
| Net interest margin | 4.0372% | 2,246 |
| Noninterest income to average assets | 0.7122% | 2,658 |
| Noninterest expense to average assets | 2.7233% | 4,312 |
| Loan and lease loss provision to assets | 0.2447% | 2,699 |
| Net operating income to assets | 0.8635% | 2,989 |
| Return on assets (ROA) | 0.9182% | 2,959 |
| Pretax return on assets | 1.2093% | 2,772 |
| Return on Equity (ROE) | 7.2059% | 3,523 |
| Retained earnings to average equity (ytd only) | 0.3268% | 5,691 |
| Net charge-offs to loans | 0.1112% | 4,565 |
| Credit loss provision to net charge-offs | 446.6667% | 540 |
| Earnings coverage of net charge-offs (x) | 25.2267% | 1,144 |
| Efficiency ratio | 64.0925% | 4,865 |
| Assets per employee ($millions) | 3.8599% | 4,250 |
| Cash dividends to net income (ytd only)* | 95.4654% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6032% | 3,296 |
| Loan loss allowance to noncurrent loans | 41.2312% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 1.8467% | 2,646 |
| Noncurrent loans to loans | 3.8883% | 1,244 |
| Net loans and leases to total assets | 46.0061% | 5,612 |
| Net loans and leases to deposits | 53.6433% | 5,681 |
| Net loans and leases to core deposits | 58.0065% | 5,540 |
| Total domestic deposits to total assets | 85.7630% | 3,478 |
| Equity capital to assets | 11.9627% | 2,065 |
| Core capital (leverage) ratio | 10.0194% | 3,372 |
| Tier 1 risk-based capital ratio | 15.2404% | 3,588 |
| Total risk-based capital ratio | 16.4361% | 3,568 |
| Memoranda: | ||
| Average total assets | $273,787,400 | 2,312 |
| Average earning assets | $230,110,200 | 2,507 |
| Average equity | $34,888,200 | 1,987 |
| Average total loans | $134,948,400 | 2,792 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8078% | 2,364 |
| Cost of funding earning assets | 0.6583% | 4,118 |
| Net interest margin | 4.1495% | 1,903 |
| Noninterest income to average assets | 0.7184% | 2,626 |
| Noninterest expense to average assets | 2.7273% | 4,259 |
| Loan and lease loss provision to assets | 0.2223% | 2,838 |
| Net operating income to assets | 0.9445% | 2,769 |
| Return on assets (ROA) | 0.9842% | 2,819 |
| Pretax return on assets | 1.3098% | 2,560 |
| Return on Equity (ROE) | 7.5987% | 3,475 |
| Retained earnings to average equity (ytd only) | 3.7841% | 4,228 |
| Net charge-offs to loans | 0.0020% | 5,748 |
| Credit loss provision to net charge-offs | 22,500.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 1,495.0936% | 22 |
| Efficiency ratio | 62.6145% | 5,051 |
| Assets per employee ($millions) | 3.6918% | 4,560 |
| Cash dividends to net income (ytd only)* | 50.2009% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 4,444 |
| Loan loss allowance to noncurrent loans | 49.0416% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 1.6640% | 3,086 |
| Noncurrent loans to loans | 2.8209% | 1,998 |
| Net loans and leases to total assets | 54.7427% | 4,632 |
| Net loans and leases to deposits | 64.6999% | 4,628 |
| Net loans and leases to core deposits | 70.3004% | 4,467 |
| Total domestic deposits to total assets | 84.6103% | 3,927 |
| Equity capital to assets | 13.0485% | 1,577 |
| Core capital (leverage) ratio | 10.8336% | 2,561 |
| Tier 1 risk-based capital ratio | 15.0845% | 3,794 |
| Total risk-based capital ratio | 16.1923% | 3,844 |
| Memoranda: | ||
| Average total assets | $269,861,250 | 2,368 |
| Average earning assets | $226,848,750 | 2,565 |
| Average equity | $34,952,500 | 1,999 |
| Average total loans | $134,847,000 | 2,827 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6830% | 2,995 |
| Cost of funding earning assets | 0.6815% | 4,172 |
| Net interest margin | 4.0015% | 2,499 |
| Noninterest income to average assets | 0.7457% | 2,438 |
| Noninterest expense to average assets | 2.7252% | 4,305 |
| Loan and lease loss provision to assets | 0.2233% | 2,850 |
| Net operating income to assets | 0.8610% | 3,081 |
| Return on assets (ROA) | 0.8424% | 3,449 |
| Pretax return on assets | 1.0813% | 3,372 |
| Return on Equity (ROE) | 6.5206% | 4,040 |
| Retained earnings to average equity (ytd only) | 0.7604% | 5,760 |
| Net charge-offs to loans | -0.0046% | 6,152 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9165% | 4,734 |
| Assets per employee ($millions) | 3.7387% | 4,443 |
| Cash dividends to net income (ytd only)* | 88.3392% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 4,688 |
| Loan loss allowance to noncurrent loans | 45.2607% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 1.6796% | 3,200 |
| Noncurrent loans to loans | 2.9713% | 2,003 |
| Net loans and leases to total assets | 52.4947% | 5,033 |
| Net loans and leases to deposits | 60.4681% | 5,200 |
| Net loans and leases to core deposits | 63.7986% | 5,234 |
| Total domestic deposits to total assets | 86.8139% | 2,884 |
| Equity capital to assets | 12.7256% | 1,671 |
| Core capital (leverage) ratio | 10.3287% | 3,015 |
| Tier 1 risk-based capital ratio | 14.4452% | 4,139 |
| Total risk-based capital ratio | 15.4658% | 4,259 |
| Memoranda: | ||
| Average total assets | $268,749,670 | 2,381 |
| Average earning assets | $222,166,670 | 2,620 |
| Average equity | $34,720,670 | 1,991 |
| Average total loans | $129,245,000 | 2,939 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6817% | 3,126 |
| Cost of funding earning assets | 0.6930% | 4,341 |
| Net interest margin | 3.9887% | 2,556 |
| Noninterest income to average assets | 0.7155% | 2,576 |
| Noninterest expense to average assets | 2.7225% | 4,340 |
| Loan and lease loss provision to assets | 0.2250% | 2,699 |
| Net operating income to assets | 0.7890% | 3,430 |
| Return on assets (ROA) | 0.7710% | 3,757 |
| Pretax return on assets | 0.9660% | 3,812 |
| Return on Equity (ROE) | 5.9224% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.9224% | 3,007 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7683% | 4,410 |
| Assets per employee ($millions) | 3.8526% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 3,884 |
| Loan loss allowance to noncurrent loans | 99.6126% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.7725% | 5,000 |
| Noncurrent loans to loans | 1.5677% | 3,762 |
| Net loans and leases to total assets | 41.4799% | 6,238 |
| Net loans and leases to deposits | 47.7900% | 6,297 |
| Net loans and leases to core deposits | 50.4110% | 6,314 |
| Total domestic deposits to total assets | 86.7962% | 3,070 |
| Equity capital to assets | 12.8027% | 1,543 |
| Core capital (leverage) ratio | 10.6797% | 2,571 |
| Tier 1 risk-based capital ratio | 16.5395% | 2,892 |
| Total risk-based capital ratio | 17.6041% | 2,943 |
| Memoranda: | ||
| Average total assets | $266,663,000 | 2,416 |
| Average earning assets | $215,308,500 | 2,703 |
| Average equity | $34,715,500 | 1,989 |
| Average total loans | $121,256,000 | 3,123 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0117% | 2,825 |
| Cost of funding earning assets | 0.8414% | 4,532 |
| Net interest margin | 4.1703% | 2,154 |
| Noninterest income to average assets | 0.7533% | 2,323 |
| Noninterest expense to average assets | 3.0423% | 3,425 |
| Loan and lease loss provision to assets | 0.3512% | 2,895 |
| Net operating income to assets | 0.6418% | 3,778 |
| Return on assets (ROA) | 0.6832% | 3,758 |
| Pretax return on assets | 0.8649% | 3,725 |
| Return on Equity (ROE) | 5.3442% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.3442% | 2,417 |
| Net charge-offs to loans | 1.1001% | 1,566 |
| Credit loss provision to net charge-offs | 61.5385% | 5,133 |
| Earnings coverage of net charge-offs (x) | 2.0391% | 4,251 |
| Efficiency ratio | 70.0238% | 3,954 |
| Assets per employee ($millions) | 3.5588% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 4,920 |
| Loan loss allowance to noncurrent loans | 86.6597% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.8903% | 4,836 |
| Noncurrent loans to loans | 1.4963% | 3,903 |
| Net loans and leases to total assets | 48.3466% | 5,791 |
| Net loans and leases to deposits | 55.9969% | 5,898 |
| Net loans and leases to core deposits | 59.3234% | 5,902 |
| Total domestic deposits to total assets | 86.3379% | 3,124 |
| Equity capital to assets | 13.2456% | 1,384 |
| Core capital (leverage) ratio | 10.8074% | 2,430 |
| Tier 1 risk-based capital ratio | 15.8331% | 3,144 |
| Total risk-based capital ratio | 16.7870% | 3,253 |
| Memoranda: | ||
| Average total assets | $259,673,600 | 2,430 |
| Average earning assets | $214,994,800 | 2,667 |
| Average equity | $33,194,800 | 2,005 |
| Average total loans | $134,716,200 | 2,905 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9659% | 3,266 |
| Cost of funding earning assets | 0.8741% | 4,604 |
| Net interest margin | 4.0918% | 2,508 |
| Noninterest income to average assets | 0.8365% | 1,897 |
| Noninterest expense to average assets | 3.0230% | 3,472 |
| Loan and lease loss provision to assets | 0.3913% | 2,511 |
| Net operating income to assets | 0.6299% | 3,965 |
| Return on assets (ROA) | 0.6799% | 3,891 |
| Pretax return on assets | 0.8940% | 3,789 |
| Return on Equity (ROE) | 5.3671% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.3671% | 2,936 |
| Net charge-offs to loans | 1.4291% | 1,034 |
| Credit loss provision to net charge-offs | 52.0492% | 4,991 |
| Earnings coverage of net charge-offs (x) | 1.6223% | 4,428 |
| Efficiency ratio | 68.9664% | 4,130 |
| Assets per employee ($millions) | 3.3541% | 5,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 6,058 |
| Loan loss allowance to noncurrent loans | 78.8981% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 2.2800% | 2,808 |
| Noncurrent loans to loans | 1.3282% | 4,313 |
| Net loans and leases to total assets | 56.2290% | 4,810 |
| Net loans and leases to deposits | 67.3754% | 4,710 |
| Net loans and leases to core deposits | 71.7838% | 4,742 |
| Total domestic deposits to total assets | 83.4563% | 4,500 |
| Equity capital to assets | 13.3387% | 1,447 |
| Core capital (leverage) ratio | 10.8407% | 2,529 |
| Tier 1 risk-based capital ratio | 14.3211% | 4,115 |
| Total risk-based capital ratio | 15.1272% | 4,392 |
| Memoranda: | ||
| Average total assets | $259,644,250 | 2,439 |
| Average earning assets | $216,135,250 | 2,669 |
| Average equity | $32,890,750 | 2,016 |
| Average total loans | $136,582,750 | 2,894 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7787% | 4,180 |
| Cost of funding earning assets | 0.9302% | 4,449 |
| Net interest margin | 3.8485% | 3,543 |
| Noninterest income to average assets | 0.7090% | 2,508 |
| Noninterest expense to average assets | 3.0488% | 3,437 |
| Loan and lease loss provision to assets | 0.4686% | 2,108 |
| Net operating income to assets | 0.3562% | 5,152 |
| Return on assets (ROA) | 0.4303% | 4,956 |
| Pretax return on assets | 0.4601% | 5,194 |
| Return on Equity (ROE) | 3.4563% | 5,186 |
| Retained earnings to average equity (ytd only) | 3.4563% | 4,049 |
| Net charge-offs to loans | 2.1341% | 606 |
| Credit loss provision to net charge-offs | 42.8571% | 4,760 |
| Earnings coverage of net charge-offs (x) | 0.7773% | 4,718 |
| Efficiency ratio | 75.7266% | 3,064 |
| Assets per employee ($millions) | 3.4458% | 5,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 6,142 |
| Loan loss allowance to noncurrent loans | 63.3003% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 3.0139% | 2,229 |
| Noncurrent loans to loans | 1.6602% | 3,931 |
| Net loans and leases to total assets | 51.1504% | 5,673 |
| Net loans and leases to deposits | 59.1707% | 5,807 |
| Net loans and leases to core deposits | 62.4936% | 5,863 |
| Total domestic deposits to total assets | 86.4455% | 3,076 |
| Equity capital to assets | 12.7044% | 1,673 |
| Core capital (leverage) ratio | 10.1798% | 3,053 |
| Tier 1 risk-based capital ratio | 13.8097% | 4,300 |
| Total risk-based capital ratio | 14.5512% | 4,664 |
| Memoranda: | ||
| Average total assets | $261,221,330 | 2,446 |
| Average earning assets | $216,501,330 | 2,682 |
| Average equity | $32,520,330 | 2,030 |
| Average total loans | $133,826,000 | 2,966 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7024% | 4,516 |
| Cost of funding earning assets | 0.9772% | 4,377 |
| Net interest margin | 3.7253% | 3,972 |
| Noninterest income to average assets | 0.7144% | 2,490 |
| Noninterest expense to average assets | 3.0554% | 3,439 |
| Loan and lease loss provision to assets | 0.2285% | 3,371 |
| Net operating income to assets | 0.4661% | 4,641 |
| Return on assets (ROA) | 0.4417% | 4,841 |
| Pretax return on assets | 0.4981% | 5,036 |
| Return on Equity (ROE) | 3.5842% | 5,107 |
| Retained earnings to average equity (ytd only) | 3.5842% | 4,034 |
| Net charge-offs to loans | 1.4603% | 930 |
| Credit loss provision to net charge-offs | 30.6748% | 4,105 |
| Earnings coverage of net charge-offs (x) | 1.0123% | 3,897 |
| Efficiency ratio | 77.6889% | 2,895 |
| Assets per employee ($millions) | 3.3366% | 5,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 4,432 |
| Loan loss allowance to noncurrent loans | 77.2802% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 2.6298% | 2,613 |
| Noncurrent loans to loans | 1.8780% | 3,725 |
| Net loans and leases to total assets | 48.4554% | 6,023 |
| Net loans and leases to deposits | 55.8200% | 6,148 |
| Net loans and leases to core deposits | 58.6740% | 6,199 |
| Total domestic deposits to total assets | 86.8066% | 3,055 |
| Equity capital to assets | 12.3467% | 1,714 |
| Core capital (leverage) ratio | 9.8995% | 3,269 |
| Tier 1 risk-based capital ratio | 12.9449% | 4,865 |
| Total risk-based capital ratio | 13.8883% | 5,106 |
| Memoranda: | ||
| Average total assets | $262,613,000 | 2,450 |
| Average earning assets | $218,185,000 | 2,685 |
| Average equity | $32,364,000 | 2,020 |
| Average total loans | $133,941,000 | 3,009 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2317% | 3,450 |
| Cost of funding earning assets | 1.2761% | 4,044 |
| Net interest margin | 3.9555% | 3,241 |
| Noninterest income to average assets | 0.6243% | 3,319 |
| Noninterest expense to average assets | 2.9149% | 4,168 |
| Loan and lease loss provision to assets | 1.0956% | 1,462 |
| Net operating income to assets | 0.1365% | 5,481 |
| Return on assets (ROA) | 0.0729% | 5,789 |
| Pretax return on assets | -0.1001% | 5,998 |
| Return on Equity (ROE) | 0.5656% | 5,817 |
| Retained earnings to average equity (ytd only) | -5.2951% | 6,332 |
| Net charge-offs to loans | 2.3281% | 828 |
| Credit loss provision to net charge-offs | 83.5447% | 5,405 |
| Earnings coverage of net charge-offs (x) | 0.8349% | 5,295 |
| Efficiency ratio | 70.3205% | 4,110 |
| Assets per employee ($millions) | 3.1906% | 5,693 |
| Cash dividends to net income (ytd only)* | 1,036.2694% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6055% | 3,549 |
| Loan loss allowance to noncurrent loans | 37.5190% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 2.7493% | 2,538 |
| Noncurrent loans to loans | 4.2791% | 1,691 |
| Net loans and leases to total assets | 52.0026% | 5,908 |
| Net loans and leases to deposits | 59.8970% | 6,067 |
| Net loans and leases to core deposits | 63.5505% | 6,096 |
| Total domestic deposits to total assets | 86.8201% | 2,921 |
| Equity capital to assets | 12.3008% | 1,740 |
| Core capital (leverage) ratio | 10.1127% | 2,963 |
| Tier 1 risk-based capital ratio | 13.3859% | 4,299 |
| Total risk-based capital ratio | 14.5316% | 4,347 |
| Memoranda: | ||
| Average total assets | $264,606,800 | 2,407 |
| Average earning assets | $226,467,200 | 2,558 |
| Average equity | $34,125,800 | 1,937 |
| Average total loans | $149,046,600 | 2,792 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3019% | 3,348 |
| Cost of funding earning assets | 1.3247% | 4,077 |
| Net interest margin | 3.9771% | 3,200 |
| Noninterest income to average assets | 0.5969% | 3,456 |
| Noninterest expense to average assets | 2.8927% | 4,121 |
| Loan and lease loss provision to assets | 0.4005% | 3,502 |
| Net operating income to assets | 0.6345% | 3,725 |
| Return on assets (ROA) | 0.4567% | 4,694 |
| Pretax return on assets | 0.5201% | 4,861 |
| Return on Equity (ROE) | 3.5016% | 5,007 |
| Retained earnings to average equity (ytd only) | 3.5016% | 3,991 |
| Net charge-offs to loans | 0.6230% | 2,880 |
| Credit loss provision to net charge-offs | 112.4118% | 3,755 |
| Earnings coverage of net charge-offs (x) | 3.1509% | 3,566 |
| Efficiency ratio | 69.6784% | 4,136 |
| Assets per employee ($millions) | 3.0923% | 5,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7863% | 2,831 |
| Loan loss allowance to noncurrent loans | 29.9833% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 3.9745% | 1,764 |
| Noncurrent loans to loans | 5.9577% | 1,053 |
| Net loans and leases to total assets | 61.6733% | 4,594 |
| Net loans and leases to deposits | 72.4741% | 4,764 |
| Net loans and leases to core deposits | 76.7448% | 4,959 |
| Total domestic deposits to total assets | 85.0970% | 3,572 |
| Equity capital to assets | 13.8842% | 1,205 |
| Core capital (leverage) ratio | 11.1633% | 2,149 |
| Tier 1 risk-based capital ratio | 14.1708% | 3,710 |
| Total risk-based capital ratio | 15.4228% | 3,678 |
| Memoranda: | ||
| Average total assets | $265,350,250 | 2,437 |
| Average earning assets | $228,065,500 | 2,581 |
| Average equity | $34,611,500 | 1,938 |
| Average total loans | $151,739,250 | 2,781 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3006% | 3,467 |
| Cost of funding earning assets | 1.3519% | 4,182 |
| Net interest margin | 3.9487% | 3,241 |
| Noninterest income to average assets | 0.7456% | 2,426 |
| Noninterest expense to average assets | 2.8444% | 4,293 |
| Loan and lease loss provision to assets | 0.4824% | 2,893 |
| Net operating income to assets | 0.6799% | 3,482 |
| Return on assets (ROA) | 0.4809% | 4,570 |
| Pretax return on assets | 0.5644% | 4,689 |
| Return on Equity (ROE) | 3.7642% | 4,887 |
| Retained earnings to average equity (ytd only) | 3.7642% | 3,695 |
| Net charge-offs to loans | 0.9341% | 1,968 |
| Credit loss provision to net charge-offs | 93.2277% | 4,322 |
| Earnings coverage of net charge-offs (x) | 2.4755% | 3,758 |
| Efficiency ratio | 66.6727% | 4,849 |
| Assets per employee ($millions) | 3.2372% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7965% | 2,727 |
| Loan loss allowance to noncurrent loans | 61.5385% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.0239% | 3,469 |
| Noncurrent loans to loans | 2.9194% | 2,738 |
| Net loans and leases to total assets | 57.2037% | 5,533 |
| Net loans and leases to deposits | 66.8004% | 5,707 |
| Net loans and leases to core deposits | 72.4253% | 5,629 |
| Total domestic deposits to total assets | 85.6338% | 3,295 |
| Equity capital to assets | 13.3087% | 1,433 |
| Core capital (leverage) ratio | 10.7288% | 2,447 |
| Tier 1 risk-based capital ratio | 13.8064% | 3,870 |
| Total risk-based capital ratio | 15.0573% | 3,839 |
| Memoranda: | ||
| Average total assets | $268,247,330 | 2,436 |
| Average earning assets | $229,597,330 | 2,588 |
| Average equity | $34,270,330 | 1,952 |
| Average total loans | $148,596,000 | 2,863 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2985% | 3,560 |
| Cost of funding earning assets | 1.3469% | 4,521 |
| Net interest margin | 3.9515% | 3,092 |
| Noninterest income to average assets | 0.7594% | 2,239 |
| Noninterest expense to average assets | 2.8887% | 4,111 |
| Loan and lease loss provision to assets | 0.2212% | 4,286 |
| Net operating income to assets | 0.8601% | 2,705 |
| Return on assets (ROA) | 0.5530% | 4,264 |
| Pretax return on assets | 0.6709% | 4,333 |
| Return on Equity (ROE) | 4.4174% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.4174% | 3,502 |
| Net charge-offs to loans | 1.9601% | 879 |
| Credit loss provision to net charge-offs | 20.8914% | 4,938 |
| Earnings coverage of net charge-offs (x) | 1.1964% | 4,049 |
| Efficiency ratio | 67.2818% | 4,854 |
| Assets per employee ($millions) | 3.3584% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 3,559 |
| Loan loss allowance to noncurrent loans | 52.4045% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 1.8711% | 3,673 |
| Noncurrent loans to loans | 3.0036% | 2,669 |
| Net loans and leases to total assets | 51.1008% | 6,365 |
| Net loans and leases to deposits | 59.3113% | 6,531 |
| Net loans and leases to core deposits | 64.4916% | 6,420 |
| Total domestic deposits to total assets | 86.1570% | 3,062 |
| Equity capital to assets | 12.7192% | 1,644 |
| Core capital (leverage) ratio | 10.5287% | 2,597 |
| Tier 1 risk-based capital ratio | 13.2494% | 4,169 |
| Total risk-based capital ratio | 14.3039% | 4,267 |
| Memoranda: | ||
| Average total assets | $271,265,000 | 2,461 |
| Average earning assets | $233,124,500 | 2,611 |
| Average equity | $33,957,000 | 1,991 |
| Average total loans | $146,524,500 | 2,954 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8830% | 2,310 |
| Cost of funding earning assets | 1.6316% | 4,878 |
| Net interest margin | 4.2514% | 1,889 |
| Noninterest income to average assets | 0.7315% | 2,777 |
| Noninterest expense to average assets | 2.8890% | 4,569 |
| Loan and lease loss provision to assets | 0.6650% | 3,150 |
| Net operating income to assets | 0.7027% | 2,923 |
| Return on assets (ROA) | 0.6276% | 3,288 |
| Pretax return on assets | 0.7888% | 3,286 |
| Return on Equity (ROE) | 5.2624% | 3,554 |
| Retained earnings to average equity (ytd only) | 1.5434% | 3,996 |
| Net charge-offs to loans | 0.5826% | 3,474 |
| Credit loss provision to net charge-offs | 194.9079% | 2,034 |
| Earnings coverage of net charge-offs (x) | 4.5363% | 2,913 |
| Efficiency ratio | 63.0176% | 5,964 |
| Assets per employee ($millions) | 3.2988% | 5,492 |
| Cash dividends to net income (ytd only)* | 70.6714% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8384% | 2,430 |
| Loan loss allowance to noncurrent loans | 56.4751% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 2.1286% | 3,237 |
| Noncurrent loans to loans | 3.2552% | 2,342 |
| Net loans and leases to total assets | 55.0926% | 6,070 |
| Net loans and leases to deposits | 65.0922% | 6,152 |
| Net loans and leases to core deposits | 86.8212% | 5,441 |
| Total domestic deposits to total assets | 84.6378% | 3,734 |
| Equity capital to assets | 12.3157% | 1,843 |
| Core capital (leverage) ratio | 10.1963% | 2,889 |
| Tier 1 risk-based capital ratio | 13.0120% | 4,137 |
| Total risk-based capital ratio | 14.2572% | 4,083 |
| Memoranda: | ||
| Average total assets | $270,540,600 | 2,415 |
| Average earning assets | $235,779,400 | 2,546 |
| Average equity | $32,266,400 | 2,072 |
| Average total loans | $158,439,800 | 2,790 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8395% | 2,707 |
| Cost of funding earning assets | 1.6802% | 4,999 |
| Net interest margin | 4.1593% | 2,180 |
| Noninterest income to average assets | 0.7294% | 2,830 |
| Noninterest expense to average assets | 2.9652% | 4,185 |
| Loan and lease loss provision to assets | 0.3464% | 4,249 |
| Net operating income to assets | 0.7767% | 2,909 |
| Return on assets (ROA) | 0.7954% | 2,896 |
| Pretax return on assets | 1.0862% | 2,623 |
| Return on Equity (ROE) | 6.7239% | 3,203 |
| Retained earnings to average equity (ytd only) | 1.7247% | 4,348 |
| Net charge-offs to loans | 0.0666% | 6,026 |
| Credit loss provision to net charge-offs | 878.7500% | 431 |
| Earnings coverage of net charge-offs (x) | 35.6888% | 814 |
| Efficiency ratio | 65.6898% | 5,421 |
| Assets per employee ($millions) | 3.3940% | 5,178 |
| Cash dividends to net income (ytd only)* | 74.3493% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 3,620 |
| Loan loss allowance to noncurrent loans | 41.8743% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 2.5233% | 2,744 |
| Noncurrent loans to loans | 3.4972% | 2,137 |
| Net loans and leases to total assets | 62.1167% | 5,224 |
| Net loans and leases to deposits | 77.1493% | 4,874 |
| Net loans and leases to core deposits | 104.4701% | 3,880 |
| Total domestic deposits to total assets | 80.5149% | 5,240 |
| Equity capital to assets | 12.1462% | 2,156 |
| Core capital (leverage) ratio | 10.2040% | 3,062 |
| Tier 1 risk-based capital ratio | 12.3402% | 4,672 |
| Total risk-based capital ratio | 13.4854% | 4,703 |
| Memoranda: | ||
| Average total assets | $270,550,500 | 2,423 |
| Average earning assets | $236,955,000 | 2,553 |
| Average equity | $32,004,500 | 2,108 |
| Average total loans | $160,095,500 | 2,787 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6219% | 3,958 |
| Cost of funding earning assets | 1.7532% | 4,990 |
| Net interest margin | 3.8687% | 3,255 |
| Noninterest income to average assets | 0.6526% | 3,324 |
| Noninterest expense to average assets | 2.8904% | 4,536 |
| Loan and lease loss provision to assets | 0.4110% | 3,472 |
| Net operating income to assets | 0.5788% | 3,772 |
| Return on assets (ROA) | 0.5990% | 3,786 |
| Pretax return on assets | 0.7499% | 3,829 |
| Return on Equity (ROE) | 5.1106% | 4,033 |
| Retained earnings to average equity (ytd only) | -2.4983% | 5,864 |
| Net charge-offs to loans | 0.0334% | 5,992 |
| Credit loss provision to net charge-offs | 2,126.9231% | 250 |
| Earnings coverage of net charge-offs (x) | 58.7692% | 606 |
| Efficiency ratio | 69.4665% | 4,885 |
| Assets per employee ($millions) | 3.1559% | 5,703 |
| Cash dividends to net income (ytd only)* | 148.8834% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5302% | 3,034 |
| Loan loss allowance to noncurrent loans | 35.0963% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 2.6192% | 2,454 |
| Noncurrent loans to loans | 4.3599% | 1,487 |
| Net loans and leases to total assets | 58.5835% | 5,891 |
| Net loans and leases to deposits | 68.6930% | 6,123 |
| Net loans and leases to core deposits | 91.6118% | 5,385 |
| Total domestic deposits to total assets | 85.2830% | 3,117 |
| Equity capital to assets | 11.7801% | 2,337 |
| Core capital (leverage) ratio | 10.0359% | 3,257 |
| Tier 1 risk-based capital ratio | 12.5376% | 4,498 |
| Total risk-based capital ratio | 13.6941% | 4,491 |
| Memoranda: | ||
| Average total assets | $269,094,670 | 2,448 |
| Average earning assets | $234,653,670 | 2,580 |
| Average equity | $31,542,000 | 2,141 |
| Average total loans | $155,691,330 | 2,893 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6072% | 4,309 |
| Cost of funding earning assets | 1.8331% | 4,957 |
| Net interest margin | 3.7740% | 3,570 |
| Noninterest income to average assets | 0.6515% | 3,189 |
| Noninterest expense to average assets | 2.7442% | 4,812 |
| Loan and lease loss provision to assets | 0.2226% | 4,225 |
| Net operating income to assets | 0.7213% | 3,456 |
| Return on assets (ROA) | 0.7213% | 3,653 |
| Pretax return on assets | 0.9602% | 3,500 |
| Return on Equity (ROE) | 6.1689% | 3,971 |
| Retained earnings to average equity (ytd only) | 6.1689% | 2,557 |
| Net charge-offs to loans | 0.0546% | 4,706 |
| Credit loss provision to net charge-offs | 714.2857% | 833 |
| Earnings coverage of net charge-offs (x) | 37.9524% | 885 |
| Efficiency ratio | 67.4981% | 5,050 |
| Assets per employee ($millions) | 3.1572% | 5,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 3,589 |
| Loan loss allowance to noncurrent loans | 29.8351% | 6,563 |
| Noncurrent assets plus other real estate owned to assets | 2.5240% | 2,275 |
| Noncurrent loans to loans | 4.6391% | 1,215 |
| Net loans and leases to total assets | 53.6383% | 6,512 |
| Net loans and leases to deposits | 62.8053% | 6,665 |
| Net loans and leases to core deposits | 85.6733% | 5,933 |
| Total domestic deposits to total assets | 85.4041% | 3,013 |
| Equity capital to assets | 11.7312% | 2,424 |
| Core capital (leverage) ratio | 10.3530% | 3,065 |
| Tier 1 risk-based capital ratio | 13.0594% | 4,155 |
| Total risk-based capital ratio | 14.0374% | 4,242 |
| Memoranda: | ||
| Average total assets | $269,518,000 | 2,469 |
| Average earning assets | $233,915,000 | 2,600 |
| Average equity | $31,513,000 | 2,151 |
| Average total loans | $153,741,500 | 2,944 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5640% | 2,652 |
| Cost of funding earning assets | 2.6598% | 3,375 |
| Net interest margin | 3.9042% | 3,533 |
| Noninterest income to average assets | 0.6934% | 3,160 |
| Noninterest expense to average assets | 2.6235% | 5,561 |
| Loan and lease loss provision to assets | 0.1888% | 4,998 |
| Net operating income to assets | 0.9580% | 2,751 |
| Return on assets (ROA) | 0.9614% | 2,612 |
| Pretax return on assets | 1.3656% | 2,072 |
| Return on Equity (ROE) | 8.1317% | 3,018 |
| Retained earnings to average equity (ytd only) | 5.9242% | 1,564 |
| Net charge-offs to loans | 1.2061% | 1,002 |
| Credit loss provision to net charge-offs | 25.3479% | 6,556 |
| Earnings coverage of net charge-offs (x) | 2.0805% | 5,036 |
| Efficiency ratio | 60.6316% | 6,236 |
| Assets per employee ($millions) | 3.1107% | 5,747 |
| Cash dividends to net income (ytd only)* | 27.1467% | 4,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 4,542 |
| Loan loss allowance to noncurrent loans | 27.6454% | 6,851 |
| Noncurrent assets plus other real estate owned to assets | 2.5901% | 1,862 |
| Noncurrent loans to loans | 4.3347% | 1,110 |
| Net loans and leases to total assets | 59.0189% | 6,049 |
| Net loans and leases to deposits | 69.1387% | 6,358 |
| Net loans and leases to core deposits | 94.5658% | 5,395 |
| Total domestic deposits to total assets | 85.3630% | 2,683 |
| Equity capital to assets | 11.6529% | 2,528 |
| Core capital (leverage) ratio | 10.3647% | 3,104 |
| Tier 1 risk-based capital ratio | 13.6717% | 3,712 |
| Total risk-based capital ratio | 14.6506% | 3,775 |
| Memoranda: | ||
| Average total assets | $270,131,800 | 2,385 |
| Average earning assets | $240,766,800 | 2,446 |
| Average equity | $31,936,800 | 2,117 |
| Average total loans | $166,812,600 | 2,676 |