Home > The First State Bank > Performance and Condition Ratios
The First State Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2918% | 2,951 |
| Cost of funding earning assets | 1.9808% | 35 |
| Net interest margin | 2.3110% | 4,914 |
| Noninterest income to average assets | 0.9178% | 1,034 |
| Noninterest expense to average assets | 6.7822% | 128 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -4.0604% | 5,087 |
| Return on assets (ROA) | -4.0604% | 5,078 |
| Pretax return on assets | -4.0604% | 5,073 |
| Return on Equity (ROE) | -406.7172% | 5,116 |
| Retained earnings to average equity (ytd only) | -406.7172% | 5,115 |
| Net charge-offs to loans | -0.0976% | 4,810 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 249.1787% | 18 |
| Assets per employee ($millions) | 2.4485% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0414% | 473 |
| Loan loss allowance to noncurrent loans | 7.6413% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 29.6835% | 1 |
| Noncurrent loans to loans | 26.7160% | 4 |
| Net loans and leases to total assets | 56.4535% | 3,802 |
| Net loans and leases to deposits | 59.8881% | 4,204 |
| Net loans and leases to core deposits | 67.5220% | 4,009 |
| Total domestic deposits to total assets | 94.2651% | 4 |
| Equity capital to assets | 0.5652% | 5,116 |
| Core capital (leverage) ratio | 0.3331% | 5,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 1.7024% | 3,402 |
| Memoranda: | ||
| Average total assets | $152,104,000 | 3,302 |
| Average earning assets | $118,739,000 | 3,593 |
| Average equity | $1,518,500 | 5,097 |
| Average total loans | $90,145,000 | 3,393 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8245% | 1,971 |
| Cost of funding earning assets | 1.6837% | 204 |
| Net interest margin | 3.1408% | 4,303 |
| Noninterest income to average assets | 1.4574% | 438 |
| Noninterest expense to average assets | 6.3130% | 130 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -2.3818% | 5,140 |
| Return on assets (ROA) | -2.4045% | 5,139 |
| Pretax return on assets | -2.4045% | 5,136 |
| Return on Equity (ROE) | -103.5968% | 5,176 |
| Retained earnings to average equity (ytd only) | -103.5968% | 5,176 |
| Net charge-offs to loans | -0.0141% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 160.5845% | 37 |
| Assets per employee ($millions) | 2.4190% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9008% | 549 |
| Loan loss allowance to noncurrent loans | 7.8775% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 28.9829% | 1 |
| Noncurrent loans to loans | 24.1296% | 2 |
| Net loans and leases to total assets | 59.7369% | 3,609 |
| Net loans and leases to deposits | 65.2488% | 3,992 |
| Net loans and leases to core deposits | 73.9253% | 3,729 |
| Total domestic deposits to total assets | 91.5525% | 64 |
| Equity capital to assets | 1.4298% | 5,177 |
| Core capital (leverage) ratio | 1.3036% | 5,177 |
| Tier 1 risk-based capital ratio | 1.7420% | 5,177 |
| Total risk-based capital ratio | 2.9948% | 5,177 |
| Memoranda: | ||
| Average total assets | $154,046,200 | 3,252 |
| Average earning assets | $121,338,800 | 3,543 |
| Average equity | $3,575,400 | 5,029 |
| Average total loans | $98,970,000 | 3,240 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8549% | 1,954 |
| Cost of funding earning assets | 1.5622% | 339 |
| Net interest margin | 3.2927% | 4,098 |
| Noninterest income to average assets | 1.3803% | 483 |
| Noninterest expense to average assets | 5.8491% | 145 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -1.8689% | 5,206 |
| Return on assets (ROA) | -1.8991% | 5,207 |
| Pretax return on assets | -1.8991% | 5,206 |
| Return on Equity (ROE) | -74.7423% | 5,250 |
| Retained earnings to average equity (ytd only) | -74.7423% | 5,248 |
| Net charge-offs to loans | 0.3966% | 423 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -7.2407% | 3,430 |
| Efficiency ratio | 146.9529% | 43 |
| Assets per employee ($millions) | 2.5857% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 1,219 |
| Loan loss allowance to noncurrent loans | 7.3394% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 25.9597% | 1 |
| Noncurrent loans to loans | 20.5738% | 6 |
| Net loans and leases to total assets | 60.0044% | 3,670 |
| Net loans and leases to deposits | 69.6471% | 3,788 |
| Net loans and leases to core deposits | 78.0199% | 3,548 |
| Total domestic deposits to total assets | 86.1550% | 1,921 |
| Equity capital to assets | 2.3363% | 5,255 |
| Core capital (leverage) ratio | 2.2797% | 5,254 |
| Tier 1 risk-based capital ratio | 2.9976% | 5,255 |
| Total risk-based capital ratio | 4.2187% | 5,255 |
| Memoranda: | ||
| Average total assets | $154,457,750 | 3,278 |
| Average earning assets | $121,963,000 | 3,574 |
| Average equity | $3,924,500 | 5,070 |
| Average total loans | $100,511,750 | 3,260 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9183% | 1,702 |
| Cost of funding earning assets | 1.3699% | 597 |
| Net interest margin | 3.5484% | 3,440 |
| Noninterest income to average assets | 1.3562% | 478 |
| Noninterest expense to average assets | 6.3937% | 127 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -2.2338% | 5,262 |
| Return on assets (ROA) | -2.2795% | 5,261 |
| Pretax return on assets | -2.2795% | 5,259 |
| Return on Equity (ROE) | -87.3055% | 5,297 |
| Retained earnings to average equity (ytd only) | -87.3055% | 5,294 |
| Net charge-offs to loans | 0.4667% | 342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | -7.1975% | 3,149 |
| Efficiency ratio | 153.6991% | 37 |
| Assets per employee ($millions) | 2.5116% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 1,250 |
| Loan loss allowance to noncurrent loans | 7.9137% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 24.6633% | 1 |
| Noncurrent loans to loans | 19.0648% | 6 |
| Net loans and leases to total assets | 63.3852% | 3,409 |
| Net loans and leases to deposits | 75.5247% | 3,376 |
| Net loans and leases to core deposits | 82.6480% | 3,229 |
| Total domestic deposits to total assets | 83.9264% | 2,899 |
| Equity capital to assets | 2.5315% | 5,301 |
| Core capital (leverage) ratio | 2.5929% | 5,300 |
| Tier 1 risk-based capital ratio | 3.2776% | 5,301 |
| Total risk-based capital ratio | 4.5279% | 5,301 |
| Memoranda: | ||
| Average total assets | $153,368,670 | 3,311 |
| Average earning assets | $121,180,000 | 3,607 |
| Average equity | $4,004,330 | 5,102 |
| Average total loans | $101,984,670 | 3,260 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9744% | 1,398 |
| Cost of funding earning assets | 1.2361% | 806 |
| Net interest margin | 3.7383% | 2,750 |
| Noninterest income to average assets | 1.5309% | 368 |
| Noninterest expense to average assets | 6.1998% | 130 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -1.7433% | 5,315 |
| Return on assets (ROA) | -1.8350% | 5,314 |
| Pretax return on assets | -1.8350% | 5,306 |
| Return on Equity (ROE) | -63.2411% | 5,354 |
| Retained earnings to average equity (ytd only) | -63.2411% | 5,341 |
| Net charge-offs to loans | 0.4021% | 386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -6.4563% | 2,714 |
| Efficiency ratio | 139.1176% | 49 |
| Assets per employee ($millions) | 2.2392% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 985 |
| Loan loss allowance to noncurrent loans | 8.2206% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 27.2722% | 1 |
| Noncurrent loans to loans | 19.9685% | 3 |
| Net loans and leases to total assets | 65.7784% | 3,086 |
| Net loans and leases to deposits | 81.0643% | 2,717 |
| Net loans and leases to core deposits | 87.7630% | 2,712 |
| Total domestic deposits to total assets | 81.1435% | 3,941 |
| Equity capital to assets | 3.2414% | 5,358 |
| Core capital (leverage) ratio | 3.2384% | 5,357 |
| Tier 1 risk-based capital ratio | 4.1429% | 5,359 |
| Total risk-based capital ratio | 5.3940% | 5,360 |
| Memoranda: | ||
| Average total assets | $152,586,500 | 3,358 |
| Average earning assets | $119,411,500 | 3,666 |
| Average equity | $4,427,500 | 5,097 |
| Average total loans | $102,457,000 | 3,280 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9394% | 1,184 |
| Cost of funding earning assets | 1.0750% | 543 |
| Net interest margin | 3.8644% | 2,447 |
| Noninterest income to average assets | 1.6361% | 360 |
| Noninterest expense to average assets | 8.9728% | 75 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -4.2793% | 5,388 |
| Return on assets (ROA) | -4.2793% | 5,388 |
| Pretax return on assets | -4.2793% | 5,387 |
| Return on Equity (ROE) | -87.3527% | 5,402 |
| Retained earnings to average equity (ytd only) | -87.3527% | 5,401 |
| Net charge-offs to loans | -0.0870% | 5,117 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 191.1742% | 15 |
| Assets per employee ($millions) | 2.2485% | 5,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6733% | 879 |
| Loan loss allowance to noncurrent loans | 9.8708% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 23.9279% | 1 |
| Noncurrent loans to loans | 16.9524% | 6 |
| Net loans and leases to total assets | 66.2806% | 3,093 |
| Net loans and leases to deposits | 80.1689% | 2,934 |
| Net loans and leases to core deposits | 87.3018% | 2,808 |
| Total domestic deposits to total assets | 82.6762% | 3,431 |
| Equity capital to assets | 2.5731% | 5,403 |
| Core capital (leverage) ratio | 2.7477% | 5,403 |
| Tier 1 risk-based capital ratio | 3.6505% | 5,405 |
| Total risk-based capital ratio | 4.9027% | 5,405 |
| Memoranda: | ||
| Average total assets | $168,019,200 | 3,190 |
| Average earning assets | $132,930,000 | 3,452 |
| Average equity | $8,231,000 | 4,573 |
| Average total loans | $113,784,200 | 3,084 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8666% | 1,249 |
| Cost of funding earning assets | 1.0480% | 484 |
| Net interest margin | 3.8186% | 2,578 |
| Noninterest income to average assets | 1.5970% | 380 |
| Noninterest expense to average assets | 7.4265% | 102 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -2.8108% | 5,458 |
| Return on assets (ROA) | -2.8108% | 5,455 |
| Pretax return on assets | -2.8108% | 5,453 |
| Return on Equity (ROE) | -51.8065% | 5,469 |
| Retained earnings to average equity (ytd only) | -51.8065% | 5,466 |
| Net charge-offs to loans | -0.1332% | 5,221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 160.8974% | 19 |
| Assets per employee ($millions) | 2.5175% | 5,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 998 |
| Loan loss allowance to noncurrent loans | 10.9868% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 22.3726% | 2 |
| Noncurrent loans to loans | 14.8780% | 10 |
| Net loans and leases to total assets | 65.9951% | 3,175 |
| Net loans and leases to deposits | 80.1907% | 3,020 |
| Net loans and leases to core deposits | 88.8284% | 2,763 |
| Total domestic deposits to total assets | 82.2978% | 3,522 |
| Equity capital to assets | 4.6096% | 5,467 |
| Core capital (leverage) ratio | 4.8771% | 5,467 |
| Tier 1 risk-based capital ratio | 6.3100% | 5,471 |
| Total risk-based capital ratio | 7.5617% | 5,471 |
| Memoranda: | ||
| Average total assets | $171,237,750 | 3,184 |
| Average earning assets | $135,368,500 | 3,457 |
| Average equity | $9,290,750 | 4,459 |
| Average total loans | $116,085,000 | 3,068 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8742% | 1,073 |
| Cost of funding earning assets | 1.0165% | 435 |
| Net interest margin | 3.8577% | 2,352 |
| Noninterest income to average assets | 1.4764% | 441 |
| Noninterest expense to average assets | 7.6227% | 98 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -3.0903% | 5,520 |
| Return on assets (ROA) | -3.0903% | 5,517 |
| Pretax return on assets | -3.0903% | 5,515 |
| Return on Equity (ROE) | -54.4391% | 5,534 |
| Retained earnings to average equity (ytd only) | -54.4391% | 5,530 |
| Net charge-offs to loans | -0.2307% | 5,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 168.1830% | 19 |
| Assets per employee ($millions) | 2.2353% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6269% | 1,039 |
| Loan loss allowance to noncurrent loans | 12.4791% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 20.6688% | 4 |
| Noncurrent loans to loans | 13.0374% | 13 |
| Net loans and leases to total assets | 64.4884% | 3,342 |
| Net loans and leases to deposits | 78.7356% | 3,083 |
| Net loans and leases to core deposits | 87.2961% | 2,792 |
| Total domestic deposits to total assets | 81.9051% | 3,748 |
| Equity capital to assets | 5.0058% | 5,527 |
| Core capital (leverage) ratio | 5.1741% | 5,528 |
| Tier 1 risk-based capital ratio | 6.9222% | 5,533 |
| Total risk-based capital ratio | 8.1740% | 5,533 |
| Memoranda: | ||
| Average total assets | $174,610,000 | 3,158 |
| Average earning assets | $138,320,670 | 3,436 |
| Average equity | $9,912,000 | 4,390 |
| Average total loans | $118,747,000 | 3,052 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9097% | 854 |
| Cost of funding earning assets | 1.0084% | 358 |
| Net interest margin | 3.9012% | 2,039 |
| Noninterest income to average assets | 1.7901% | 314 |
| Noninterest expense to average assets | 7.3512% | 106 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -2.4504% | 5,579 |
| Return on assets (ROA) | -2.4504% | 5,577 |
| Pretax return on assets | -2.4504% | 5,575 |
| Return on Equity (ROE) | -40.8921% | 5,590 |
| Retained earnings to average equity (ytd only) | -40.8921% | 5,577 |
| Net charge-offs to loans | 0.0390% | 1,750 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -90.9167% | 2,714 |
| Efficiency ratio | 150.0000% | 33 |
| Assets per employee ($millions) | 2.2338% | 5,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 1,870 |
| Loan loss allowance to noncurrent loans | 11.0015% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 19.9100% | 4 |
| Noncurrent loans to loans | 12.6561% | 14 |
| Net loans and leases to total assets | 66.6183% | 2,951 |
| Net loans and leases to deposits | 81.4864% | 2,634 |
| Net loans and leases to core deposits | 89.4515% | 2,495 |
| Total domestic deposits to total assets | 81.7538% | 4,031 |
| Equity capital to assets | 5.7725% | 5,573 |
| Core capital (leverage) ratio | 5.8529% | 5,572 |
| Tier 1 risk-based capital ratio | 7.8741% | 5,589 |
| Total risk-based capital ratio | 9.0958% | 5,589 |
| Memoranda: | ||
| Average total assets | $178,093,000 | 3,145 |
| Average earning assets | $142,006,000 | 3,425 |
| Average equity | $10,672,000 | 4,324 |
| Average total loans | $123,171,000 | 3,024 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7186% | 1,154 |
| Cost of funding earning assets | 0.7498% | 819 |
| Net interest margin | 3.9688% | 1,849 |
| Noninterest income to average assets | 3.2870% | 159 |
| Noninterest expense to average assets | 7.4802% | 105 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.9589% | 5,582 |
| Return on assets (ROA) | -0.9589% | 5,582 |
| Pretax return on assets | -0.9589% | 5,593 |
| Return on Equity (ROE) | -15.3704% | 5,627 |
| Retained earnings to average equity (ytd only) | -15.3704% | 5,596 |
| Net charge-offs to loans | 0.7431% | 277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -1.8153% | 4,050 |
| Efficiency ratio | 114.7043% | 79 |
| Assets per employee ($millions) | 2.0913% | 5,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 2,302 |
| Loan loss allowance to noncurrent loans | 9.7341% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 19.3067% | 3 |
| Noncurrent loans to loans | 13.1861% | 12 |
| Net loans and leases to total assets | 69.7879% | 2,550 |
| Net loans and leases to deposits | 84.9498% | 2,381 |
| Net loans and leases to core deposits | 97.0468% | 1,943 |
| Total domestic deposits to total assets | 82.1519% | 3,830 |
| Equity capital to assets | 6.2029% | 5,627 |
| Core capital (leverage) ratio | 5.1599% | 5,651 |
| Tier 1 risk-based capital ratio | 6.8239% | 5,658 |
| Total risk-based capital ratio | 8.0112% | 5,659 |
| Memoranda: | ||
| Average total assets | $195,743,000 | 2,963 |
| Average earning assets | $159,518,000 | 3,207 |
| Average equity | $12,211,800 | 4,107 |
| Average total loans | $139,152,000 | 2,797 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6406% | 1,271 |
| Cost of funding earning assets | 0.7171% | 895 |
| Net interest margin | 3.9235% | 1,958 |
| Noninterest income to average assets | 3.3749% | 162 |
| Noninterest expense to average assets | 7.3442% | 107 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.7611% | 5,654 |
| Return on assets (ROA) | -0.7611% | 5,656 |
| Pretax return on assets | -0.7611% | 5,649 |
| Return on Equity (ROE) | -12.1830% | 5,684 |
| Retained earnings to average equity (ytd only) | -12.1830% | 5,633 |
| Net charge-offs to loans | 0.1476% | 1,361 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -7.2420% | 3,761 |
| Efficiency ratio | 111.5608% | 88 |
| Assets per employee ($millions) | 2.1213% | 5,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8859% | 721 |
| Loan loss allowance to noncurrent loans | 14.2591% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 19.1687% | 3 |
| Noncurrent loans to loans | 13.2258% | 9 |
| Net loans and leases to total assets | 70.4549% | 2,493 |
| Net loans and leases to deposits | 81.4114% | 2,839 |
| Net loans and leases to core deposits | 93.0826% | 2,341 |
| Total domestic deposits to total assets | 86.5418% | 2,082 |
| Equity capital to assets | 6.5306% | 5,685 |
| Core capital (leverage) ratio | 5.4846% | 5,711 |
| Tier 1 risk-based capital ratio | 7.2233% | 5,720 |
| Total risk-based capital ratio | 8.5028% | 5,719 |
| Memoranda: | ||
| Average total assets | $199,192,000 | 2,959 |
| Average earning assets | $162,875,750 | 3,193 |
| Average equity | $12,443,250 | 4,106 |
| Average total loans | $141,783,000 | 2,776 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 1,641 |
| Cost of funding earning assets | 0.6950% | 916 |
| Net interest margin | 3.7612% | 2,434 |
| Noninterest income to average assets | 3.2690% | 174 |
| Noninterest expense to average assets | 7.6444% | 103 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.2883% | 5,733 |
| Return on assets (ROA) | -1.2883% | 5,731 |
| Pretax return on assets | -1.2883% | 5,731 |
| Return on Equity (ROE) | -20.9143% | 5,757 |
| Retained earnings to average equity (ytd only) | -20.9143% | 5,723 |
| Net charge-offs to loans | 0.1469% | 1,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -12.3585% | 3,481 |
| Efficiency ratio | 120.2692% | 66 |
| Assets per employee ($millions) | 2.1629% | 5,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8175% | 852 |
| Loan loss allowance to noncurrent loans | 12.1985% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 19.7488% | 2 |
| Noncurrent loans to loans | 14.8996% | 10 |
| Net loans and leases to total assets | 71.5676% | 2,268 |
| Net loans and leases to deposits | 82.7996% | 2,617 |
| Net loans and leases to core deposits | 94.2547% | 2,130 |
| Total domestic deposits to total assets | 86.4346% | 2,182 |
| Equity capital to assets | 6.1824% | 5,741 |
| Core capital (leverage) ratio | 5.2927% | 5,763 |
| Tier 1 risk-based capital ratio | 6.7323% | 5,771 |
| Total risk-based capital ratio | 8.0071% | 5,771 |
| Memoranda: | ||
| Average total assets | $203,364,670 | 2,928 |
| Average earning assets | $166,914,000 | 3,150 |
| Average equity | $12,527,330 | 4,106 |
| Average total loans | $144,361,000 | 2,739 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2537% | 2,087 |
| Cost of funding earning assets | 0.6848% | 906 |
| Net interest margin | 3.5689% | 3,013 |
| Noninterest income to average assets | 3.0465% | 193 |
| Noninterest expense to average assets | 7.3197% | 123 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -1.3326% | 5,793 |
| Return on assets (ROA) | -1.3326% | 5,795 |
| Pretax return on assets | -1.3326% | 5,790 |
| Return on Equity (ROE) | -21.6699% | 5,824 |
| Retained earnings to average equity (ytd only) | -21.6699% | 5,751 |
| Net charge-offs to loans | 0.1291% | 1,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -14.7234% | 2,923 |
| Efficiency ratio | 122.2580% | 73 |
| Assets per employee ($millions) | 2.1844% | 5,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8615% | 858 |
| Loan loss allowance to noncurrent loans | 12.9702% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 19.8941% | 3 |
| Noncurrent loans to loans | 14.3524% | 13 |
| Net loans and leases to total assets | 69.9640% | 2,387 |
| Net loans and leases to deposits | 77.0257% | 3,078 |
| Net loans and leases to core deposits | 86.8105% | 2,656 |
| Total domestic deposits to total assets | 90.8320% | 349 |
| Equity capital to assets | 6.2839% | 5,800 |
| Core capital (leverage) ratio | 5.4924% | 5,822 |
| Tier 1 risk-based capital ratio | 7.0997% | 5,833 |
| Total risk-based capital ratio | 8.3734% | 5,834 |
| Memoranda: | ||
| Average total assets | $207,714,500 | 2,909 |
| Average earning assets | $171,146,000 | 3,120 |
| Average equity | $12,773,500 | 4,094 |
| Average total loans | $145,593,500 | 2,750 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4808% | 1,596 |
| Cost of funding earning assets | 0.7447% | 650 |
| Net interest margin | 3.7360% | 2,551 |
| Noninterest income to average assets | 3.0809% | 192 |
| Noninterest expense to average assets | 7.0070% | 132 |
| Loan and lease loss provision to assets | 0.0764% | 2,831 |
| Net operating income to assets | -0.8772% | 5,823 |
| Return on assets (ROA) | -0.7896% | 5,823 |
| Pretax return on assets | -0.7896% | 5,813 |
| Return on Equity (ROE) | -12.0797% | 5,849 |
| Retained earnings to average equity (ytd only) | -12.0797% | 5,806 |
| Net charge-offs to loans | 0.2123% | 1,309 |
| Credit loss provision to net charge-offs | 51.5152% | 3,359 |
| Earnings coverage of net charge-offs (x) | -5.4030% | 4,223 |
| Efficiency ratio | 112.9044% | 113 |
| Assets per employee ($millions) | 2.5488% | 5,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7963% | 951 |
| Loan loss allowance to noncurrent loans | 13.0321% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 18.7324% | 6 |
| Noncurrent loans to loans | 13.7835% | 14 |
| Net loans and leases to total assets | 67.7546% | 2,818 |
| Net loans and leases to deposits | 75.7627% | 3,342 |
| Net loans and leases to core deposits | 84.4461% | 2,984 |
| Total domestic deposits to total assets | 89.4300% | 891 |
| Equity capital to assets | 6.0263% | 5,856 |
| Core capital (leverage) ratio | 5.4873% | 5,872 |
| Tier 1 risk-based capital ratio | 7.7238% | 5,883 |
| Total risk-based capital ratio | 8.9951% | 5,882 |
| Memoranda: | ||
| Average total assets | $222,633,200 | 2,736 |
| Average earning assets | $186,239,600 | 2,936 |
| Average equity | $14,553,400 | 3,866 |
| Average total loans | $155,475,800 | 2,572 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4164% | 1,810 |
| Cost of funding earning assets | 0.7401% | 666 |
| Net interest margin | 3.6763% | 2,807 |
| Noninterest income to average assets | 3.3813% | 177 |
| Noninterest expense to average assets | 6.8501% | 141 |
| Loan and lease loss provision to assets | 0.1011% | 2,223 |
| Net operating income to assets | -0.4908% | 5,853 |
| Return on assets (ROA) | -0.3748% | 5,846 |
| Pretax return on assets | -0.3748% | 5,834 |
| Return on Equity (ROE) | -5.6270% | 5,872 |
| Retained earnings to average equity (ytd only) | -5.6270% | 5,753 |
| Net charge-offs to loans | 0.2591% | 905 |
| Credit loss provision to net charge-offs | 55.7377% | 2,961 |
| Earnings coverage of net charge-offs (x) | -2.1475% | 3,870 |
| Efficiency ratio | 106.0313% | 154 |
| Assets per employee ($millions) | 2.3636% | 5,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8237% | 970 |
| Loan loss allowance to noncurrent loans | 13.7139% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 18.4242% | 6 |
| Noncurrent loans to loans | 13.2982% | 18 |
| Net loans and leases to total assets | 67.0914% | 2,938 |
| Net loans and leases to deposits | 74.3679% | 3,563 |
| Net loans and leases to core deposits | 85.8155% | 2,966 |
| Total domestic deposits to total assets | 90.2156% | 402 |
| Equity capital to assets | 6.8104% | 5,902 |
| Core capital (leverage) ratio | 6.0902% | 5,925 |
| Tier 1 risk-based capital ratio | 8.3942% | 5,935 |
| Total risk-based capital ratio | 9.6628% | 5,934 |
| Memoranda: | ||
| Average total assets | $224,128,750 | 2,726 |
| Average earning assets | $187,721,250 | 2,934 |
| Average equity | $14,927,750 | 3,846 |
| Average total loans | $156,975,750 | 2,563 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4558% | 1,652 |
| Cost of funding earning assets | 0.7367% | 675 |
| Net interest margin | 3.7191% | 2,618 |
| Noninterest income to average assets | 3.0315% | 198 |
| Noninterest expense to average assets | 6.6471% | 150 |
| Loan and lease loss provision to assets | 0.1502% | 1,526 |
| Net operating income to assets | -0.6388% | 5,943 |
| Return on assets (ROA) | -0.6388% | 5,947 |
| Pretax return on assets | -0.6388% | 5,937 |
| Return on Equity (ROE) | -9.6610% | 5,978 |
| Retained earnings to average equity (ytd only) | -9.6610% | 5,875 |
| Net charge-offs to loans | 0.1490% | 1,432 |
| Credit loss provision to net charge-offs | 142.8571% | 1,652 |
| Earnings coverage of net charge-offs (x) | -4.6471% | 3,625 |
| Efficiency ratio | 107.9340% | 156 |
| Assets per employee ($millions) | 2.2147% | 5,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8966% | 902 |
| Loan loss allowance to noncurrent loans | 14.8681% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 18.2970% | 9 |
| Noncurrent loans to loans | 12.7564% | 21 |
| Net loans and leases to total assets | 69.0190% | 2,625 |
| Net loans and leases to deposits | 75.8265% | 3,405 |
| Net loans and leases to core deposits | 89.1250% | 2,629 |
| Total domestic deposits to total assets | 91.0222% | 188 |
| Equity capital to assets | 6.8371% | 5,974 |
| Core capital (leverage) ratio | 5.9448% | 6,007 |
| Tier 1 risk-based capital ratio | 8.3102% | 6,014 |
| Total risk-based capital ratio | 9.5800% | 6,012 |
| Memoranda: | ||
| Average total assets | $226,355,670 | 2,722 |
| Average earning assets | $190,315,330 | 2,923 |
| Average equity | $14,967,330 | 3,858 |
| Average total loans | $159,768,000 | 2,534 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 2,031 |
| Cost of funding earning assets | 0.7350% | 676 |
| Net interest margin | 3.5948% | 3,106 |
| Noninterest income to average assets | 2.3687% | 271 |
| Noninterest expense to average assets | 6.3823% | 158 |
| Loan and lease loss provision to assets | 0.2944% | 539 |
| Net operating income to assets | -1.2761% | 6,048 |
| Return on assets (ROA) | -1.2761% | 6,050 |
| Pretax return on assets | -1.2761% | 6,040 |
| Return on Equity (ROE) | -19.6121% | 6,064 |
| Retained earnings to average equity (ytd only) | -19.6121% | 5,959 |
| Net charge-offs to loans | -0.0784% | 5,541 |
| Credit loss provision to net charge-offs | -531.2500% | 4,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.1789% | 110 |
| Assets per employee ($millions) | 2.3726% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9142% | 948 |
| Loan loss allowance to noncurrent loans | 14.7355% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 17.9417% | 11 |
| Noncurrent loans to loans | 12.9902% | 21 |
| Net loans and leases to total assets | 68.5506% | 2,570 |
| Net loans and leases to deposits | 75.3187% | 3,298 |
| Net loans and leases to core deposits | 90.6013% | 2,313 |
| Total domestic deposits to total assets | 91.0140% | 270 |
| Equity capital to assets | 6.4891% | 6,046 |
| Core capital (leverage) ratio | 5.7669% | 6,072 |
| Tier 1 risk-based capital ratio | 8.1374% | 6,075 |
| Total risk-based capital ratio | 9.4068% | 6,072 |
| Memoranda: | ||
| Average total assets | $231,015,500 | 2,682 |
| Average earning assets | $194,834,500 | 2,877 |
| Average equity | $15,031,500 | 3,867 |
| Average total loans | $163,306,000 | 2,490 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3914% | 1,928 |
| Cost of funding earning assets | 0.6529% | 1,062 |
| Net interest margin | 3.7385% | 2,613 |
| Noninterest income to average assets | 2.2906% | 296 |
| Noninterest expense to average assets | 6.1395% | 171 |
| Loan and lease loss provision to assets | 1.6266% | 43 |
| Net operating income to assets | -2.2170% | 6,143 |
| Return on assets (ROA) | -2.1368% | 6,142 |
| Pretax return on assets | -2.1368% | 6,140 |
| Return on Equity (ROE) | -28.7286% | 6,149 |
| Retained earnings to average equity (ytd only) | -28.7286% | 6,140 |
| Net charge-offs to loans | 2.9207% | 34 |
| Credit loss provision to net charge-offs | 74.8392% | 3,042 |
| Earnings coverage of net charge-offs (x) | -0.2717% | 4,288 |
| Efficiency ratio | 110.6402% | 135 |
| Assets per employee ($millions) | 2.5190% | 5,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 1,347 |
| Loan loss allowance to noncurrent loans | 22.5847% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 14.0653% | 31 |
| Noncurrent loans to loans | 7.5237% | 87 |
| Net loans and leases to total assets | 70.2559% | 2,327 |
| Net loans and leases to deposits | 76.6721% | 3,183 |
| Net loans and leases to core deposits | 96.8996% | 1,762 |
| Total domestic deposits to total assets | 91.6317% | 154 |
| Equity capital to assets | 6.5238% | 6,093 |
| Core capital (leverage) ratio | 6.0907% | 6,117 |
| Tier 1 risk-based capital ratio | 8.6224% | 6,124 |
| Total risk-based capital ratio | 9.8861% | 6,120 |
| Memoranda: | ||
| Average total assets | $243,213,800 | 2,550 |
| Average earning assets | $211,981,800 | 2,658 |
| Average equity | $18,090,000 | 3,370 |
| Average total loans | $180,983,200 | 2,231 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4285% | 1,817 |
| Cost of funding earning assets | 0.6424% | 1,138 |
| Net interest margin | 3.7861% | 2,438 |
| Noninterest income to average assets | 2.2853% | 297 |
| Noninterest expense to average assets | 5.8101% | 189 |
| Loan and lease loss provision to assets | 1.4960% | 33 |
| Net operating income to assets | -1.6975% | 6,219 |
| Return on assets (ROA) | -1.6568% | 6,220 |
| Pretax return on assets | -1.6568% | 6,215 |
| Return on Equity (ROE) | -21.6402% | 6,225 |
| Retained earnings to average equity (ytd only) | -21.6402% | 6,207 |
| Net charge-offs to loans | 2.5643% | 42 |
| Credit loss provision to net charge-offs | 77.6650% | 2,648 |
| Earnings coverage of net charge-offs (x) | -0.1046% | 3,998 |
| Efficiency ratio | 103.5932% | 220 |
| Assets per employee ($millions) | 2.6795% | 5,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9377% | 1,000 |
| Loan loss allowance to noncurrent loans | 23.8223% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 13.6147% | 33 |
| Noncurrent loans to loans | 8.1341% | 66 |
| Net loans and leases to total assets | 70.9937% | 2,234 |
| Net loans and leases to deposits | 77.9637% | 3,100 |
| Net loans and leases to core deposits | 103.6501% | 1,254 |
| Total domestic deposits to total assets | 91.0600% | 231 |
| Equity capital to assets | 7.2892% | 6,104 |
| Core capital (leverage) ratio | 6.9324% | 6,140 |
| Tier 1 risk-based capital ratio | 9.6895% | 6,101 |
| Total risk-based capital ratio | 10.9560% | 6,078 |
| Memoranda: | ||
| Average total assets | $245,451,000 | 2,559 |
| Average earning assets | $215,447,750 | 2,644 |
| Average equity | $18,791,750 | 3,310 |
| Average total loans | $184,371,500 | 2,210 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3578% | 1,981 |
| Cost of funding earning assets | 0.6436% | 1,139 |
| Net interest margin | 3.7142% | 2,651 |
| Noninterest income to average assets | 1.9977% | 373 |
| Noninterest expense to average assets | 5.8035% | 192 |
| Loan and lease loss provision to assets | 1.4347% | 42 |
| Net operating income to assets | -1.9540% | 6,301 |
| Return on assets (ROA) | -1.9540% | 6,303 |
| Pretax return on assets | -1.9540% | 6,302 |
| Return on Equity (ROE) | -25.1298% | 6,309 |
| Retained earnings to average equity (ytd only) | -25.1298% | 6,288 |
| Net charge-offs to loans | 2.5091% | 51 |
| Credit loss provision to net charge-offs | 75.2336% | 2,395 |
| Earnings coverage of net charge-offs (x) | -0.2723% | 3,732 |
| Efficiency ratio | 109.8268% | 175 |
| Assets per employee ($millions) | 2.7432% | 5,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9334% | 1,101 |
| Loan loss allowance to noncurrent loans | 17.2336% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 14.0223% | 34 |
| Noncurrent loans to loans | 11.2188% | 37 |
| Net loans and leases to total assets | 74.6251% | 1,563 |
| Net loans and leases to deposits | 82.0946% | 2,538 |
| Net loans and leases to core deposits | 110.4547% | 812 |
| Total domestic deposits to total assets | 90.9014% | 323 |
| Equity capital to assets | 7.4607% | 6,122 |
| Core capital (leverage) ratio | 7.1502% | 6,166 |
| Tier 1 risk-based capital ratio | 9.8234% | 6,137 |
| Total risk-based capital ratio | 11.0899% | 6,083 |
| Memoranda: | ||
| Average total assets | $246,884,330 | 2,570 |
| Average earning assets | $218,458,000 | 2,635 |
| Average equity | $19,196,330 | 3,298 |
| Average total loans | $187,633,670 | 2,205 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2923% | 2,125 |
| Cost of funding earning assets | 0.6900% | 893 |
| Net interest margin | 3.6024% | 2,990 |
| Noninterest income to average assets | 1.5742% | 495 |
| Noninterest expense to average assets | 5.3172% | 244 |
| Loan and lease loss provision to assets | 1.8965% | 31 |
| Net operating income to assets | -2.4427% | 6,377 |
| Return on assets (ROA) | -2.4427% | 6,380 |
| Pretax return on assets | -2.4427% | 6,377 |
| Return on Equity (ROE) | -30.8021% | 6,384 |
| Retained earnings to average equity (ytd only) | -30.8021% | 6,346 |
| Net charge-offs to loans | 4.0030% | 28 |
| Credit loss provision to net charge-offs | 62.3741% | 1,978 |
| Earnings coverage of net charge-offs (x) | -0.1797% | 3,127 |
| Efficiency ratio | 111.4488% | 184 |
| Assets per employee ($millions) | 3.0609% | 5,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8512% | 1,391 |
| Loan loss allowance to noncurrent loans | 15.4219% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 13.8025% | 36 |
| Noncurrent loans to loans | 12.0040% | 39 |
| Net loans and leases to total assets | 73.1923% | 1,622 |
| Net loans and leases to deposits | 82.4289% | 2,285 |
| Net loans and leases to core deposits | 110.8573% | 710 |
| Total domestic deposits to total assets | 88.7944% | 1,395 |
| Equity capital to assets | 7.6517% | 6,138 |
| Core capital (leverage) ratio | 7.4451% | 6,161 |
| Tier 1 risk-based capital ratio | 9.9777% | 6,175 |
| Total risk-based capital ratio | 11.2338% | 6,125 |
| Memoranda: | ||
| Average total assets | $248,253,000 | 2,571 |
| Average earning assets | $220,299,500 | 2,641 |
| Average equity | $19,687,000 | 3,264 |
| Average total loans | $188,557,000 | 2,193 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 1,758 |
| Cost of funding earning assets | 0.6758% | 1,234 |
| Net interest margin | 3.8541% | 2,411 |
| Noninterest income to average assets | 1.3480% | 672 |
| Noninterest expense to average assets | 4.9548% | 317 |
| Loan and lease loss provision to assets | 1.4265% | 60 |
| Net operating income to assets | -1.5850% | 6,433 |
| Return on assets (ROA) | -1.5471% | 6,433 |
| Pretax return on assets | -1.5471% | 6,421 |
| Return on Equity (ROE) | -19.9699% | 6,440 |
| Retained earnings to average equity (ytd only) | -19.9699% | 6,423 |
| Net charge-offs to loans | 2.2375% | 74 |
| Credit loss provision to net charge-offs | 80.9921% | 2,845 |
| Earnings coverage of net charge-offs (x) | -0.0900% | 4,725 |
| Efficiency ratio | 103.3046% | 303 |
| Assets per employee ($millions) | 3.0310% | 5,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1980% | 824 |
| Loan loss allowance to noncurrent loans | 19.0596% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 13.1849% | 48 |
| Noncurrent loans to loans | 11.5324% | 52 |
| Net loans and leases to total assets | 75.6646% | 1,319 |
| Net loans and leases to deposits | 86.4194% | 1,922 |
| Net loans and leases to core deposits | 121.8718% | 370 |
| Total domestic deposits to total assets | 87.5551% | 2,002 |
| Equity capital to assets | 8.2150% | 5,954 |
| Core capital (leverage) ratio | 7.8000% | 6,098 |
| Tier 1 risk-based capital ratio | 10.9643% | 5,920 |
| Total risk-based capital ratio | 12.2408% | 5,846 |
| Memoranda: | ||
| Average total assets | $258,679,800 | 2,444 |
| Average earning assets | $231,441,400 | 2,506 |
| Average equity | $20,040,200 | 3,158 |
| Average total loans | $203,621,600 | 2,009 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 1,978 |
| Cost of funding earning assets | 0.6736% | 1,298 |
| Net interest margin | 3.7965% | 2,633 |
| Noninterest income to average assets | 1.1497% | 902 |
| Noninterest expense to average assets | 4.8737% | 339 |
| Loan and lease loss provision to assets | 1.1609% | 83 |
| Net operating income to assets | -1.4831% | 6,501 |
| Return on assets (ROA) | -1.4754% | 6,498 |
| Pretax return on assets | -1.4754% | 6,485 |
| Return on Equity (ROE) | -19.3185% | 6,506 |
| Retained earnings to average equity (ytd only) | -19.3185% | 6,485 |
| Net charge-offs to loans | 2.6152% | 59 |
| Credit loss provision to net charge-offs | 56.1684% | 3,010 |
| Earnings coverage of net charge-offs (x) | -0.1559% | 4,472 |
| Efficiency ratio | 107.0782% | 258 |
| Assets per employee ($millions) | 3.3273% | 5,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6707% | 2,068 |
| Loan loss allowance to noncurrent loans | 14.3555% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 13.5464% | 48 |
| Noncurrent loans to loans | 11.6382% | 56 |
| Net loans and leases to total assets | 75.8976% | 1,238 |
| Net loans and leases to deposits | 86.1538% | 1,890 |
| Net loans and leases to core deposits | 125.1625% | 294 |
| Total domestic deposits to total assets | 88.0955% | 1,712 |
| Equity capital to assets | 7.6624% | 6,266 |
| Core capital (leverage) ratio | 7.4663% | 6,296 |
| Tier 1 risk-based capital ratio | 10.2225% | 6,290 |
| Total risk-based capital ratio | 11.4916% | 6,251 |
| Memoranda: | ||
| Average total assets | $261,971,000 | 2,431 |
| Average earning assets | $234,738,250 | 2,490 |
| Average equity | $20,008,000 | 3,173 |
| Average total loans | $207,041,250 | 2,006 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3839% | 2,238 |
| Cost of funding earning assets | 0.6695% | 1,382 |
| Net interest margin | 3.7144% | 2,904 |
| Noninterest income to average assets | 1.0000% | 1,200 |
| Noninterest expense to average assets | 4.7516% | 367 |
| Loan and lease loss provision to assets | 1.3185% | 70 |
| Net operating income to assets | -1.7328% | 6,586 |
| Return on assets (ROA) | -1.7328% | 6,584 |
| Pretax return on assets | -1.7328% | 6,576 |
| Return on Equity (ROE) | -22.7117% | 6,589 |
| Retained earnings to average equity (ytd only) | -22.7117% | 6,553 |
| Net charge-offs to loans | 2.4342% | 82 |
| Credit loss provision to net charge-offs | 68.0296% | 2,503 |
| Earnings coverage of net charge-offs (x) | -0.2138% | 4,153 |
| Efficiency ratio | 109.5528% | 239 |
| Assets per employee ($millions) | 3.2864% | 5,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0721% | 1,235 |
| Loan loss allowance to noncurrent loans | 18.4296% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 13.2002% | 50 |
| Noncurrent loans to loans | 11.2435% | 55 |
| Net loans and leases to total assets | 78.8128% | 813 |
| Net loans and leases to deposits | 89.2311% | 1,447 |
| Net loans and leases to core deposits | 130.3267% | 223 |
| Total domestic deposits to total assets | 88.3244% | 1,725 |
| Equity capital to assets | 7.5697% | 6,337 |
| Core capital (leverage) ratio | 7.2545% | 6,381 |
| Tier 1 risk-based capital ratio | 9.8968% | 6,427 |
| Total risk-based capital ratio | 11.1713% | 6,383 |
| Memoranda: | ||
| Average total assets | $265,004,330 | 2,411 |
| Average earning assets | $238,098,330 | 2,468 |
| Average equity | $20,218,670 | 3,150 |
| Average total loans | $210,993,670 | 1,976 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 2,706 |
| Cost of funding earning assets | 0.6646% | 1,479 |
| Net interest margin | 3.5798% | 3,336 |
| Noninterest income to average assets | 0.6421% | 2,505 |
| Noninterest expense to average assets | 4.7339% | 373 |
| Loan and lease loss provision to assets | 1.2089% | 92 |
| Net operating income to assets | -2.0725% | 6,662 |
| Return on assets (ROA) | -2.0725% | 6,658 |
| Pretax return on assets | -2.0725% | 6,644 |
| Return on Equity (ROE) | -27.0644% | 6,656 |
| Retained earnings to average equity (ytd only) | -27.0644% | 6,602 |
| Net charge-offs to loans | 3.5591% | 47 |
| Credit loss provision to net charge-offs | 42.8796% | 2,274 |
| Earnings coverage of net charge-offs (x) | -0.3063% | 3,460 |
| Efficiency ratio | 122.3112% | 164 |
| Assets per employee ($millions) | 3.4227% | 5,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8497% | 1,899 |
| Loan loss allowance to noncurrent loans | 15.5273% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 12.8031% | 67 |
| Noncurrent loans to loans | 11.9128% | 64 |
| Net loans and leases to total assets | 77.5136% | 816 |
| Net loans and leases to deposits | 87.9564% | 1,366 |
| Net loans and leases to core deposits | 124.5605% | 247 |
| Total domestic deposits to total assets | 88.1274% | 2,154 |
| Equity capital to assets | 7.4047% | 6,341 |
| Core capital (leverage) ratio | 7.3462% | 6,390 |
| Tier 1 risk-based capital ratio | 9.8948% | 6,502 |
| Total risk-based capital ratio | 11.1656% | 6,475 |
| Memoranda: | ||
| Average total assets | $270,982,000 | 2,369 |
| Average earning assets | $244,373,000 | 2,403 |
| Average equity | $20,750,500 | 3,088 |
| Average total loans | $214,663,000 | 1,941 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6960% | 1,582 |
| Cost of funding earning assets | 0.6425% | 2,273 |
| Net interest margin | 4.0535% | 1,791 |
| Noninterest income to average assets | 2.3489% | 307 |
| Noninterest expense to average assets | 4.4201% | 563 |
| Loan and lease loss provision to assets | 1.5630% | 81 |
| Net operating income to assets | 0.0769% | 6,085 |
| Return on assets (ROA) | 0.0769% | 6,134 |
| Pretax return on assets | 0.0769% | 6,116 |
| Return on Equity (ROE) | 1.0367% | 6,073 |
| Retained earnings to average equity (ytd only) | -0.5551% | 5,982 |
| Net charge-offs to loans | 1.4469% | 336 |
| Credit loss provision to net charge-offs | 133.1980% | 1,767 |
| Earnings coverage of net charge-offs (x) | 1.3975% | 4,596 |
| Efficiency ratio | 72.9396% | 3,297 |
| Assets per employee ($millions) | 3.3946% | 5,104 |
| Cash dividends to net income (ytd only)* | 153.5398% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3361% | 1,002 |
| Loan loss allowance to noncurrent loans | 19.3460% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 12.5758% | 71 |
| Noncurrent loans to loans | 12.0756% | 72 |
| Net loans and leases to total assets | 77.6016% | 870 |
| Net loans and leases to deposits | 89.5852% | 1,270 |
| Net loans and leases to core deposits | 120.1494% | 326 |
| Total domestic deposits to total assets | 86.6233% | 2,926 |
| Equity capital to assets | 7.9092% | 6,079 |
| Core capital (leverage) ratio | 7.6213% | 6,333 |
| Tier 1 risk-based capital ratio | 10.4695% | 6,373 |
| Total risk-based capital ratio | 11.7474% | 6,325 |
| Memoranda: | ||
| Average total assets | $293,928,200 | 2,184 |
| Average earning assets | $269,098,600 | 2,189 |
| Average equity | $21,799,600 | 2,944 |
| Average total loans | $238,379,400 | 1,741 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8513% | 1,238 |
| Cost of funding earning assets | 0.6371% | 2,483 |
| Net interest margin | 4.2142% | 1,291 |
| Noninterest income to average assets | 2.1977% | 365 |
| Noninterest expense to average assets | 3.9494% | 909 |
| Loan and lease loss provision to assets | 1.8046% | 52 |
| Net operating income to assets | 0.3125% | 5,574 |
| Return on assets (ROA) | 0.3125% | 5,686 |
| Pretax return on assets | 0.3125% | 5,842 |
| Return on Equity (ROE) | 4.2778% | 5,083 |
| Retained earnings to average equity (ytd only) | 2.1633% | 5,018 |
| Net charge-offs to loans | 1.0490% | 542 |
| Credit loss provision to net charge-offs | 211.1458% | 1,144 |
| Earnings coverage of net charge-offs (x) | 2.4771% | 4,008 |
| Efficiency ratio | 65.1013% | 4,630 |
| Assets per employee ($millions) | 3.5580% | 4,738 |
| Cash dividends to net income (ytd only)* | 49.4305% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6787% | 764 |
| Loan loss allowance to noncurrent loans | 23.4758% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 11.3052% | 105 |
| Noncurrent loans to loans | 11.4103% | 96 |
| Net loans and leases to total assets | 78.9414% | 656 |
| Net loans and leases to deposits | 91.2093% | 1,043 |
| Net loans and leases to core deposits | 118.5399% | 348 |
| Total domestic deposits to total assets | 86.5497% | 2,933 |
| Equity capital to assets | 7.9146% | 6,201 |
| Core capital (leverage) ratio | 7.4260% | 6,477 |
| Tier 1 risk-based capital ratio | 10.4421% | 6,477 |
| Total risk-based capital ratio | 11.7231% | 6,431 |
| Memoranda: | ||
| Average total assets | $299,518,000 | 2,161 |
| Average earning assets | $274,969,000 | 2,152 |
| Average equity | $21,879,750 | 2,977 |
| Average total loans | $244,028,500 | 1,703 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8813% | 1,141 |
| Cost of funding earning assets | 0.6317% | 2,668 |
| Net interest margin | 4.2495% | 1,142 |
| Noninterest income to average assets | 1.8785% | 486 |
| Noninterest expense to average assets | 3.9518% | 916 |
| Loan and lease loss provision to assets | 1.7592% | 66 |
| Net operating income to assets | 0.0828% | 6,172 |
| Return on assets (ROA) | 0.0828% | 6,256 |
| Pretax return on assets | 0.0828% | 6,259 |
| Return on Equity (ROE) | 1.1624% | 6,175 |
| Retained earnings to average equity (ytd only) | 1.1624% | 5,436 |
| Net charge-offs to loans | 0.7150% | 912 |
| Credit loss provision to net charge-offs | 301.5642% | 848 |
| Earnings coverage of net charge-offs (x) | 3.1575% | 3,469 |
| Efficiency ratio | 68.2079% | 4,147 |
| Assets per employee ($millions) | 3.8655% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3265% | 1,216 |
| Loan loss allowance to noncurrent loans | 23.7797% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 9.2813% | 173 |
| Noncurrent loans to loans | 9.7834% | 167 |
| Net loans and leases to total assets | 80.4018% | 498 |
| Net loans and leases to deposits | 92.0787% | 955 |
| Net loans and leases to core deposits | 116.0557% | 385 |
| Total domestic deposits to total assets | 87.3186% | 2,646 |
| Equity capital to assets | 7.3122% | 6,508 |
| Core capital (leverage) ratio | 6.9880% | 6,618 |
| Tier 1 risk-based capital ratio | 9.6919% | 6,695 |
| Total risk-based capital ratio | 10.9679% | 6,673 |
| Memoranda: | ||
| Average total assets | $306,848,670 | 2,111 |
| Average earning assets | $282,712,330 | 2,110 |
| Average equity | $21,851,330 | 3,001 |
| Average total loans | $250,333,670 | 1,658 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9951% | 897 |
| Cost of funding earning assets | 0.6430% | 2,718 |
| Net interest margin | 4.3521% | 877 |
| Noninterest income to average assets | 1.8147% | 498 |
| Noninterest expense to average assets | 4.2125% | 702 |
| Loan and lease loss provision to assets | 1.1854% | 136 |
| Net operating income to assets | 0.4328% | 4,989 |
| Return on assets (ROA) | 0.4328% | 5,148 |
| Pretax return on assets | 0.4328% | 5,460 |
| Return on Equity (ROE) | 6.1567% | 3,961 |
| Retained earnings to average equity (ytd only) | 6.1567% | 2,595 |
| Net charge-offs to loans | 0.4474% | 1,339 |
| Credit loss provision to net charge-offs | 326.1484% | 743 |
| Earnings coverage of net charge-offs (x) | 4.4523% | 2,553 |
| Efficiency ratio | 72.2467% | 3,569 |
| Assets per employee ($millions) | 3.9647% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8400% | 2,479 |
| Loan loss allowance to noncurrent loans | 27.7041% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 6.3474% | 484 |
| Noncurrent loans to loans | 6.6417% | 473 |
| Net loans and leases to total assets | 78.2499% | 586 |
| Net loans and leases to deposits | 90.5209% | 914 |
| Net loans and leases to core deposits | 113.6833% | 397 |
| Total domestic deposits to total assets | 86.4441% | 3,278 |
| Equity capital to assets | 7.1296% | 6,685 |
| Core capital (leverage) ratio | 6.8353% | 6,686 |
| Tier 1 risk-based capital ratio | 9.7395% | 6,729 |
| Total risk-based capital ratio | 11.0075% | 6,709 |
| Memoranda: | ||
| Average total assets | $311,453,000 | 2,110 |
| Average earning assets | $287,399,000 | 2,107 |
| Average equity | $21,895,000 | 3,039 |
| Average total loans | $252,996,500 | 1,648 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2445% | 1,028 |
| Cost of funding earning assets | 0.6929% | 3,554 |
| Net interest margin | 4.5516% | 859 |
| Noninterest income to average assets | 2.2120% | 378 |
| Noninterest expense to average assets | 3.3336% | 2,244 |
| Loan and lease loss provision to assets | 1.9035% | 123 |
| Net operating income to assets | 1.1764% | 1,675 |
| Return on assets (ROA) | 1.1764% | 1,843 |
| Pretax return on assets | 1.1764% | 2,880 |
| Return on Equity (ROE) | 15.7334% | 699 |
| Retained earnings to average equity (ytd only) | 2.0059% | 4,812 |
| Net charge-offs to loans | 1.8949% | 405 |
| Credit loss provision to net charge-offs | 122.7002% | 2,326 |
| Earnings coverage of net charge-offs (x) | 1.9853% | 4,423 |
| Efficiency ratio | 51.9780% | 6,465 |
| Assets per employee ($millions) | 4.0735% | 3,805 |
| Cash dividends to net income (ytd only)* | 87.2508% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 3,742 |
| Loan loss allowance to noncurrent loans | 28.7591% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 5.3915% | 702 |
| Noncurrent loans to loans | 5.2210% | 741 |
| Net loans and leases to total assets | 81.4819% | 362 |
| Net loans and leases to deposits | 93.9418% | 752 |
| Net loans and leases to core deposits | 117.0701% | 335 |
| Total domestic deposits to total assets | 86.7366% | 2,969 |
| Equity capital to assets | 6.9317% | 6,785 |
| Core capital (leverage) ratio | 6.8195% | 6,744 |
| Tier 1 risk-based capital ratio | 9.4706% | 6,808 |
| Total risk-based capital ratio | 10.7340% | 6,798 |
| Memoranda: | ||
| Average total assets | $302,709,800 | 2,122 |
| Average earning assets | $279,419,000 | 2,107 |
| Average equity | $22,633,400 | 2,895 |
| Average total loans | $247,817,600 | 1,663 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2780% | 1,050 |
| Cost of funding earning assets | 0.7022% | 3,750 |
| Net interest margin | 4.5757% | 856 |
| Noninterest income to average assets | 2.1815% | 378 |
| Noninterest expense to average assets | 3.0815% | 2,943 |
| Loan and lease loss provision to assets | 1.0232% | 393 |
| Net operating income to assets | 2.2993% | 240 |
| Return on assets (ROA) | 2.2993% | 260 |
| Pretax return on assets | 2.2993% | 400 |
| Return on Equity (ROE) | 30.1763% | 72 |
| Retained earnings to average equity (ytd only) | 12.0518% | 521 |
| Net charge-offs to loans | 0.0664% | 4,754 |
| Credit loss provision to net charge-offs | 1,886.8852% | 141 |
| Earnings coverage of net charge-offs (x) | 61.2715% | 643 |
| Efficiency ratio | 48.1191% | 6,710 |
| Assets per employee ($millions) | 4.4521% | 2,995 |
| Cash dividends to net income (ytd only)* | 60.0618% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9537% | 2,314 |
| Loan loss allowance to noncurrent loans | 52.0790% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 4.0844% | 1,181 |
| Noncurrent loans to loans | 3.7514% | 1,420 |
| Net loans and leases to total assets | 81.8472% | 349 |
| Net loans and leases to deposits | 96.5761% | 625 |
| Net loans and leases to core deposits | 119.6540% | 319 |
| Total domestic deposits to total assets | 84.7490% | 3,858 |
| Equity capital to assets | 7.6141% | 6,741 |
| Core capital (leverage) ratio | 7.4340% | 6,652 |
| Tier 1 risk-based capital ratio | 10.1023% | 6,774 |
| Total risk-based capital ratio | 11.3709% | 6,745 |
| Memoranda: | ||
| Average total assets | $299,972,000 | 2,158 |
| Average earning assets | $276,817,500 | 2,144 |
| Average equity | $22,856,250 | 2,891 |
| Average total loans | $244,903,750 | 1,698 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1085% | 1,480 |
| Cost of funding earning assets | 0.7153% | 3,897 |
| Net interest margin | 4.3931% | 1,220 |
| Noninterest income to average assets | 2.1058% | 373 |
| Noninterest expense to average assets | 3.1751% | 2,668 |
| Loan and lease loss provision to assets | 0.1223% | 3,995 |
| Net operating income to assets | 2.8700% | 112 |
| Return on assets (ROA) | 2.8700% | 118 |
| Pretax return on assets | 2.8700% | 175 |
| Return on Equity (ROE) | 37.6571% | 47 |
| Retained earnings to average equity (ytd only) | 23.9965% | 61 |
| Net charge-offs to loans | -0.0025% | 6,104 |
| Credit loss provision to net charge-offs | -6,066.6667% | 6,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4821% | 6,543 |
| Assets per employee ($millions) | 4.3819% | 3,115 |
| Cash dividends to net income (ytd only)* | 36.2763% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 5,335 |
| Loan loss allowance to noncurrent loans | 35.3251% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 3.4147% | 1,571 |
| Noncurrent loans to loans | 3.4070% | 1,698 |
| Net loans and leases to total assets | 80.6874% | 432 |
| Net loans and leases to deposits | 93.7723% | 792 |
| Net loans and leases to core deposits | 122.2536% | 275 |
| Total domestic deposits to total assets | 86.0462% | 3,334 |
| Equity capital to assets | 7.8443% | 6,656 |
| Core capital (leverage) ratio | 7.7048% | 6,514 |
| Tier 1 risk-based capital ratio | 10.6612% | 6,633 |
| Total risk-based capital ratio | 11.9185% | 6,615 |
| Memoranda: | ||
| Average total assets | $297,565,000 | 2,170 |
| Average earning assets | $275,112,000 | 2,154 |
| Average equity | $22,678,330 | 2,892 |
| Average total loans | $241,058,670 | 1,711 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0684% | 1,667 |
| Cost of funding earning assets | 0.7399% | 3,945 |
| Net interest margin | 4.3285% | 1,383 |
| Noninterest income to average assets | 1.7735% | 490 |
| Noninterest expense to average assets | 3.2016% | 2,592 |
| Loan and lease loss provision to assets | 0.0833% | 4,344 |
| Net operating income to assets | 2.4821% | 184 |
| Return on assets (ROA) | 2.4821% | 223 |
| Pretax return on assets | 2.4821% | 338 |
| Return on Equity (ROE) | 33.0741% | 80 |
| Retained earnings to average equity (ytd only) | 24.4690% | 103 |
| Net charge-offs to loans | -0.0068% | 5,851 |
| Credit loss provision to net charge-offs | -1,525.0000% | 6,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5161% | 6,179 |
| Assets per employee ($millions) | 4.8003% | 2,507 |
| Cash dividends to net income (ytd only)* | 26.0176% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 5,479 |
| Loan loss allowance to noncurrent loans | 31.3889% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 3.6096% | 1,574 |
| Noncurrent loans to loans | 3.8266% | 1,619 |
| Net loans and leases to total assets | 78.7410% | 522 |
| Net loans and leases to deposits | 91.1966% | 859 |
| Net loans and leases to core deposits | 126.8495% | 225 |
| Total domestic deposits to total assets | 86.3421% | 3,336 |
| Equity capital to assets | 7.4989% | 6,781 |
| Core capital (leverage) ratio | 7.6947% | 6,493 |
| Tier 1 risk-based capital ratio | 10.5726% | 6,712 |
| Total risk-based capital ratio | 11.8324% | 6,697 |
| Memoranda: | ||
| Average total assets | $292,981,000 | 2,217 |
| Average earning assets | $270,301,000 | 2,198 |
| Average equity | $21,987,000 | 2,981 |
| Average total loans | $236,333,000 | 1,748 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0705% | 2,563 |
| Cost of funding earning assets | 0.8816% | 4,246 |
| Net interest margin | 4.1889% | 2,099 |
| Noninterest income to average assets | 1.5800% | 541 |
| Noninterest expense to average assets | 3.3393% | 2,392 |
| Loan and lease loss provision to assets | 0.6516% | 1,563 |
| Net operating income to assets | 1.4273% | 973 |
| Return on assets (ROA) | 1.4744% | 952 |
| Pretax return on assets | 1.4744% | 1,549 |
| Return on Equity (ROE) | 17.9309% | 388 |
| Retained earnings to average equity (ytd only) | 4.7341% | 2,829 |
| Net charge-offs to loans | 0.5425% | 2,842 |
| Credit loss provision to net charge-offs | 151.1009% | 1,863 |
| Earnings coverage of net charge-offs (x) | 4.8211% | 2,968 |
| Efficiency ratio | 61.6311% | 5,514 |
| Assets per employee ($millions) | 4.3622% | 3,139 |
| Cash dividends to net income (ytd only)* | 73.5981% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 5,286 |
| Loan loss allowance to noncurrent loans | 33.9736% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 3.5349% | 1,674 |
| Noncurrent loans to loans | 3.5960% | 1,776 |
| Net loans and leases to total assets | 80.6979% | 427 |
| Net loans and leases to deposits | 97.0633% | 622 |
| Net loans and leases to core deposits | 142.1664% | 163 |
| Total domestic deposits to total assets | 83.1395% | 4,691 |
| Equity capital to assets | 7.5107% | 6,807 |
| Core capital (leverage) ratio | 7.6244% | 6,586 |
| Tier 1 risk-based capital ratio | 10.2486% | 6,783 |
| Total risk-based capital ratio | 11.5064% | 6,761 |
| Memoranda: | ||
| Average total assets | $252,778,200 | 2,492 |
| Average earning assets | $231,613,000 | 2,495 |
| Average equity | $20,785,400 | 3,037 |
| Average total loans | $200,931,200 | 2,033 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1731% | 2,304 |
| Cost of funding earning assets | 0.8840% | 4,516 |
| Net interest margin | 4.2891% | 1,761 |
| Noninterest income to average assets | 1.2904% | 781 |
| Noninterest expense to average assets | 3.0943% | 3,183 |
| Loan and lease loss provision to assets | 0.7556% | 1,257 |
| Net operating income to assets | 1.3655% | 1,230 |
| Return on assets (ROA) | 1.4046% | 1,219 |
| Pretax return on assets | 1.4046% | 1,931 |
| Return on Equity (ROE) | 16.6648% | 602 |
| Retained earnings to average equity (ytd only) | 6.0282% | 2,543 |
| Net charge-offs to loans | 0.2222% | 4,045 |
| Credit loss provision to net charge-offs | 431.3665% | 652 |
| Earnings coverage of net charge-offs (x) | 12.1088% | 1,737 |
| Efficiency ratio | 59.3303% | 5,823 |
| Assets per employee ($millions) | 3.9959% | 3,850 |
| Cash dividends to net income (ytd only)* | 63.8265% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5751% | 3,775 |
| Loan loss allowance to noncurrent loans | 46.6220% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 3.8409% | 1,610 |
| Noncurrent loans to loans | 3.3784% | 2,044 |
| Net loans and leases to total assets | 80.3568% | 485 |
| Net loans and leases to deposits | 99.4425% | 493 |
| Net loans and leases to core deposits | 153.4391% | 127 |
| Total domestic deposits to total assets | 80.8073% | 5,494 |
| Equity capital to assets | 8.1857% | 6,572 |
| Core capital (leverage) ratio | 8.3830% | 5,877 |
| Tier 1 risk-based capital ratio | 11.0213% | 6,531 |
| Total risk-based capital ratio | 12.2849% | 6,507 |
| Memoranda: | ||
| Average total assets | $245,086,750 | 2,585 |
| Average earning assets | $224,282,250 | 2,577 |
| Average equity | $20,657,750 | 3,053 |
| Average total loans | $193,253,000 | 2,125 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1885% | 2,302 |
| Cost of funding earning assets | 0.9210% | 4,515 |
| Net interest margin | 4.2675% | 1,777 |
| Noninterest income to average assets | 1.4105% | 643 |
| Noninterest expense to average assets | 3.0224% | 3,555 |
| Loan and lease loss provision to assets | 0.8484% | 1,063 |
| Net operating income to assets | 1.4554% | 966 |
| Return on assets (ROA) | 1.4704% | 1,003 |
| Pretax return on assets | 1.4704% | 1,611 |
| Return on Equity (ROE) | 17.2658% | 528 |
| Retained earnings to average equity (ytd only) | 5.7683% | 2,556 |
| Net charge-offs to loans | 0.2268% | 3,766 |
| Credit loss provision to net charge-offs | 480.6604% | 644 |
| Earnings coverage of net charge-offs (x) | 13.0519% | 1,585 |
| Efficiency ratio | 56.7453% | 6,328 |
| Assets per employee ($millions) | 4.1548% | 3,440 |
| Cash dividends to net income (ytd only)* | 66.5912% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 3,722 |
| Loan loss allowance to noncurrent loans | 36.0065% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 4.5734% | 1,369 |
| Noncurrent loans to loans | 4.4225% | 1,513 |
| Net loans and leases to total assets | 78.9859% | 650 |
| Net loans and leases to deposits | 95.6795% | 753 |
| Net loans and leases to core deposits | 138.5437% | 193 |
| Total domestic deposits to total assets | 82.5526% | 4,964 |
| Equity capital to assets | 8.6588% | 5,994 |
| Core capital (leverage) ratio | 8.6858% | 5,248 |
| Tier 1 risk-based capital ratio | 11.5970% | 6,095 |
| Total risk-based capital ratio | 12.8654% | 6,080 |
| Memoranda: | ||
| Average total assets | $240,204,330 | 2,655 |
| Average earning assets | $220,409,000 | 2,642 |
| Average equity | $20,456,670 | 3,069 |
| Average total loans | $186,986,000 | 2,204 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0535% | 2,839 |
| Cost of funding earning assets | 0.9566% | 4,520 |
| Net interest margin | 4.0969% | 2,277 |
| Noninterest income to average assets | 0.9007% | 1,664 |
| Noninterest expense to average assets | 2.8138% | 4,388 |
| Loan and lease loss provision to assets | 0.5104% | 1,706 |
| Net operating income to assets | 1.3410% | 1,174 |
| Return on assets (ROA) | 1.3727% | 1,160 |
| Pretax return on assets | 1.3727% | 1,803 |
| Return on Equity (ROE) | 16.2552% | 650 |
| Retained earnings to average equity (ytd only) | 5.3131% | 2,998 |
| Net charge-offs to loans | 0.3134% | 2,794 |
| Credit loss provision to net charge-offs | 212.5000% | 1,411 |
| Earnings coverage of net charge-offs (x) | 7.7083% | 1,910 |
| Efficiency ratio | 60.3146% | 5,942 |
| Assets per employee ($millions) | 3.7983% | 4,302 |
| Cash dividends to net income (ytd only)* | 67.3147% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 4,967 |
| Loan loss allowance to noncurrent loans | 53.6344% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 2.9712% | 2,322 |
| Noncurrent loans to loans | 2.4891% | 3,002 |
| Net loans and leases to total assets | 77.6701% | 774 |
| Net loans and leases to deposits | 94.5346% | 779 |
| Net loans and leases to core deposits | 142.3902% | 181 |
| Total domestic deposits to total assets | 82.1605% | 5,247 |
| Equity capital to assets | 8.7935% | 5,506 |
| Core capital (leverage) ratio | 8.2616% | 5,881 |
| Tier 1 risk-based capital ratio | 12.1746% | 5,531 |
| Total risk-based capital ratio | 13.4407% | 5,512 |
| Memoranda: | ||
| Average total assets | $239,816,000 | 2,667 |
| Average earning assets | $220,363,500 | 2,657 |
| Average equity | $20,252,000 | 3,075 |
| Average total loans | $183,768,500 | 2,261 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3875% | 2,734 |
| Cost of funding earning assets | 1.0433% | 5,463 |
| Net interest margin | 4.3441% | 1,666 |
| Noninterest income to average assets | 2.2742% | 321 |
| Noninterest expense to average assets | 3.9544% | 1,232 |
| Loan and lease loss provision to assets | 0.6563% | 2,512 |
| Net operating income to assets | 1.6707% | 548 |
| Return on assets (ROA) | 1.6711% | 590 |
| Pretax return on assets | 1.6711% | 995 |
| Return on Equity (ROE) | 20.3363% | 234 |
| Retained earnings to average equity (ytd only) | 11.5064% | 327 |
| Net charge-offs to loans | 0.8284% | 2,562 |
| Credit loss provision to net charge-offs | 99.5404% | 4,648 |
| Earnings coverage of net charge-offs (x) | 3.5292% | 3,318 |
| Efficiency ratio | 62.9540% | 5,523 |
| Assets per employee ($millions) | 3.9990% | 3,788 |
| Cash dividends to net income (ytd only)* | 43.4197% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 5,378 |
| Loan loss allowance to noncurrent loans | 49.8793% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 2.6495% | 2,626 |
| Noncurrent loans to loans | 2.4613% | 3,062 |
| Net loans and leases to total assets | 73.7571% | 1,706 |
| Net loans and leases to deposits | 91.0595% | 1,390 |
| Net loans and leases to core deposits | 145.2910% | 190 |
| Total domestic deposits to total assets | 80.9989% | 5,523 |
| Equity capital to assets | 8.1190% | 6,362 |
| Core capital (leverage) ratio | 8.2902% | 5,698 |
| Tier 1 risk-based capital ratio | 12.0386% | 5,437 |
| Total risk-based capital ratio | 13.3032% | 5,408 |
| Memoranda: | ||
| Average total assets | $230,984,800 | 2,743 |
| Average earning assets | $213,069,200 | 2,714 |
| Average equity | $18,980,800 | 3,281 |
| Average total loans | $183,846,400 | 2,312 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4636% | 2,586 |
| Cost of funding earning assets | 1.0715% | 5,585 |
| Net interest margin | 4.3921% | 1,550 |
| Noninterest income to average assets | 1.9922% | 381 |
| Noninterest expense to average assets | 3.6533% | 1,665 |
| Loan and lease loss provision to assets | 0.7732% | 1,974 |
| Net operating income to assets | 1.6123% | 731 |
| Return on assets (ROA) | 1.6123% | 801 |
| Pretax return on assets | 1.6123% | 1,319 |
| Return on Equity (ROE) | 19.5571% | 333 |
| Retained earnings to average equity (ytd only) | 12.3106% | 428 |
| Net charge-offs to loans | 0.6502% | 2,807 |
| Credit loss provision to net charge-offs | 146.9274% | 2,671 |
| Earnings coverage of net charge-offs (x) | 4.5330% | 3,015 |
| Efficiency ratio | 60.4966% | 5,875 |
| Assets per employee ($millions) | 3.7644% | 4,357 |
| Cash dividends to net income (ytd only)* | 37.0532% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 4,228 |
| Loan loss allowance to noncurrent loans | 61.5876% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 2.7471% | 2,636 |
| Noncurrent loans to loans | 2.3474% | 3,292 |
| Net loans and leases to total assets | 80.1564% | 723 |
| Net loans and leases to deposits | 101.4384% | 558 |
| Net loans and leases to core deposits | 166.7558% | 131 |
| Total domestic deposits to total assets | 79.0198% | 6,014 |
| Equity capital to assets | 8.6284% | 6,124 |
| Core capital (leverage) ratio | 8.4208% | 5,662 |
| Tier 1 risk-based capital ratio | 11.4899% | 5,946 |
| Total risk-based capital ratio | 12.7534% | 5,918 |
| Memoranda: | ||
| Average total assets | $226,746,500 | 2,830 |
| Average earning assets | $208,916,750 | 2,805 |
| Average equity | $18,693,500 | 3,359 |
| Average total loans | $183,521,750 | 2,348 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3656% | 3,129 |
| Cost of funding earning assets | 1.0739% | 5,810 |
| Net interest margin | 4.2917% | 1,807 |
| Noninterest income to average assets | 1.7335% | 440 |
| Noninterest expense to average assets | 3.5051% | 2,017 |
| Loan and lease loss provision to assets | 0.7901% | 1,822 |
| Net operating income to assets | 1.4173% | 1,065 |
| Return on assets (ROA) | 1.4173% | 1,130 |
| Pretax return on assets | 1.4173% | 1,788 |
| Return on Equity (ROE) | 17.4669% | 517 |
| Retained earnings to average equity (ytd only) | 8.3186% | 1,323 |
| Net charge-offs to loans | 0.3574% | 3,564 |
| Credit loss provision to net charge-offs | 273.6196% | 1,365 |
| Earnings coverage of net charge-offs (x) | 7.6442% | 2,265 |
| Efficiency ratio | 61.3584% | 5,804 |
| Assets per employee ($millions) | 3.7546% | 4,334 |
| Cash dividends to net income (ytd only)* | 52.3750% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 3,731 |
| Loan loss allowance to noncurrent loans | 34.6018% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 3.5912% | 1,954 |
| Noncurrent loans to loans | 4.4410% | 1,643 |
| Net loans and leases to total assets | 79.6225% | 858 |
| Net loans and leases to deposits | 102.7178% | 551 |
| Net loans and leases to core deposits | 165.5044% | 149 |
| Total domestic deposits to total assets | 77.5158% | 6,391 |
| Equity capital to assets | 8.1927% | 6,555 |
| Core capital (leverage) ratio | 8.0164% | 6,253 |
| Tier 1 risk-based capital ratio | 11.1196% | 6,124 |
| Total risk-based capital ratio | 12.3861% | 6,094 |
| Memoranda: | ||
| Average total assets | $225,786,670 | 2,863 |
| Average earning assets | $209,334,670 | 2,820 |
| Average equity | $18,320,330 | 3,412 |
| Average total loans | $182,442,330 | 2,397 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4648% | 2,757 |
| Cost of funding earning assets | 1.0802% | 5,989 |
| Net interest margin | 4.3845% | 1,435 |
| Noninterest income to average assets | 1.5935% | 486 |
| Noninterest expense to average assets | 3.3636% | 2,333 |
| Loan and lease loss provision to assets | 1.0046% | 1,238 |
| Net operating income to assets | 1.2883% | 1,326 |
| Return on assets (ROA) | 1.2883% | 1,397 |
| Pretax return on assets | 1.2883% | 2,081 |
| Return on Equity (ROE) | 15.9571% | 725 |
| Retained earnings to average equity (ytd only) | 7.0945% | 2,094 |
| Net charge-offs to loans | 0.2386% | 3,508 |
| Credit loss provision to net charge-offs | 521.2963% | 809 |
| Earnings coverage of net charge-offs (x) | 11.8981% | 1,609 |
| Efficiency ratio | 59.4637% | 6,265 |
| Assets per employee ($millions) | 3.7479% | 4,438 |
| Cash dividends to net income (ytd only)* | 55.5402% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4801% | 4,009 |
| Loan loss allowance to noncurrent loans | 34.7655% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 3.4411% | 2,049 |
| Noncurrent loans to loans | 4.2573% | 1,796 |
| Net loans and leases to total assets | 79.6308% | 887 |
| Net loans and leases to deposits | 98.8162% | 839 |
| Net loans and leases to core deposits | 169.3554% | 157 |
| Total domestic deposits to total assets | 80.5848% | 5,594 |
| Equity capital to assets | 7.9853% | 6,670 |
| Core capital (leverage) ratio | 7.9445% | 6,316 |
| Tier 1 risk-based capital ratio | 10.6996% | 6,441 |
| Total risk-based capital ratio | 11.9687% | 6,411 |
| Memoranda: | ||
| Average total assets | $224,164,000 | 2,937 |
| Average earning assets | $207,730,500 | 2,905 |
| Average equity | $18,098,500 | 3,462 |
| Average total loans | $181,060,000 | 2,478 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5729% | 3,744 |
| Cost of funding earning assets | 1.2773% | 6,386 |
| Net interest margin | 4.2956% | 1,734 |
| Noninterest income to average assets | 3.0075% | 226 |
| Noninterest expense to average assets | 4.3041% | 985 |
| Loan and lease loss provision to assets | 0.7359% | 2,909 |
| Net operating income to assets | 1.8866% | 299 |
| Return on assets (ROA) | 1.8885% | 305 |
| Pretax return on assets | 1.8885% | 525 |
| Return on Equity (ROE) | 22.0099% | 166 |
| Retained earnings to average equity (ytd only) | 7.7006% | 772 |
| Net charge-offs to loans | 0.4784% | 3,868 |
| Credit loss provision to net charge-offs | 186.6337% | 2,172 |
| Earnings coverage of net charge-offs (x) | 6.6510% | 2,321 |
| Efficiency ratio | 62.1389% | 6,129 |
| Assets per employee ($millions) | 3.4874% | 5,030 |
| Cash dividends to net income (ytd only)* | 65.0129% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 4,841 |
| Loan loss allowance to noncurrent loans | 26.4470% | 6,711 |
| Noncurrent assets plus other real estate owned to assets | 3.9238% | 1,684 |
| Noncurrent loans to loans | 4.8615% | 1,406 |
| Net loans and leases to total assets | 79.6753% | 1,048 |
| Net loans and leases to deposits | 102.4750% | 724 |
| Net loans and leases to core deposits | 113.8327% | 2,515 |
| Total domestic deposits to total assets | 77.7509% | 6,283 |
| Equity capital to assets | 8.1658% | 6,381 |
| Core capital (leverage) ratio | 8.1770% | 5,859 |
| Tier 1 risk-based capital ratio | 10.7018% | 6,203 |
| Total risk-based capital ratio | 11.9670% | 6,167 |
| Memoranda: | ||
| Average total assets | $204,919,600 | 3,121 |
| Average earning assets | $186,959,000 | 3,125 |
| Average equity | $17,583,000 | 3,571 |
| Average total loans | $168,905,200 | 2,633 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6584% | 3,529 |
| Cost of funding earning assets | 1.3095% | 6,529 |
| Net interest margin | 4.3489% | 1,590 |
| Noninterest income to average assets | 3.2123% | 210 |
| Noninterest expense to average assets | 4.3082% | 905 |
| Loan and lease loss provision to assets | 0.7123% | 2,594 |
| Net operating income to assets | 2.1462% | 213 |
| Return on assets (ROA) | 2.1475% | 228 |
| Pretax return on assets | 2.1475% | 399 |
| Return on Equity (ROE) | 24.7019% | 114 |
| Retained earnings to average equity (ytd only) | 10.4112% | 559 |
| Net charge-offs to loans | 0.5244% | 3,116 |
| Credit loss provision to net charge-offs | 163.8720% | 2,869 |
| Earnings coverage of net charge-offs (x) | 6.5763% | 2,577 |
| Efficiency ratio | 60.1146% | 6,398 |
| Assets per employee ($millions) | 3.7712% | 4,257 |
| Cash dividends to net income (ytd only)* | 57.8525% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 5,415 |
| Loan loss allowance to noncurrent loans | 40.4083% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 2.8085% | 2,471 |
| Noncurrent loans to loans | 2.8433% | 2,671 |
| Net loans and leases to total assets | 78.6310% | 1,459 |
| Net loans and leases to deposits | 101.0493% | 1,007 |
| Net loans and leases to core deposits | 108.4708% | 3,416 |
| Total domestic deposits to total assets | 77.8145% | 6,139 |
| Equity capital to assets | 8.2367% | 6,587 |
| Core capital (leverage) ratio | 8.4287% | 5,622 |
| Tier 1 risk-based capital ratio | 10.7027% | 6,243 |
| Total risk-based capital ratio | 11.9209% | 6,253 |
| Memoranda: | ||
| Average total assets | $201,222,500 | 3,191 |
| Average earning assets | $182,968,500 | 3,205 |
| Average equity | $17,493,500 | 3,614 |
| Average total loans | $166,798,250 | 2,687 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7333% | 3,378 |
| Cost of funding earning assets | 1.3906% | 6,513 |
| Net interest margin | 4.3427% | 1,542 |
| Noninterest income to average assets | 3.6236% | 176 |
| Noninterest expense to average assets | 4.5899% | 705 |
| Loan and lease loss provision to assets | 0.5476% | 2,830 |
| Net operating income to assets | 2.4116% | 125 |
| Return on assets (ROA) | 2.4137% | 137 |
| Pretax return on assets | 2.4137% | 244 |
| Return on Equity (ROE) | 27.2297% | 101 |
| Retained earnings to average equity (ytd only) | 22.1718% | 60 |
| Net charge-offs to loans | 0.4976% | 2,839 |
| Credit loss provision to net charge-offs | 130.8068% | 3,565 |
| Earnings coverage of net charge-offs (x) | 7.0685% | 2,500 |
| Efficiency ratio | 60.8000% | 6,429 |
| Assets per employee ($millions) | 3.7170% | 4,284 |
| Cash dividends to net income (ytd only)* | 18.5751% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 6,225 |
| Loan loss allowance to noncurrent loans | 29.9719% | 6,481 |
| Noncurrent assets plus other real estate owned to assets | 3.2406% | 1,930 |
| Noncurrent loans to loans | 3.3428% | 2,108 |
| Net loans and leases to total assets | 82.4551% | 870 |
| Net loans and leases to deposits | 108.9032% | 610 |
| Net loans and leases to core deposits | 132.4491% | 1,408 |
| Total domestic deposits to total assets | 75.7142% | 6,611 |
| Equity capital to assets | 9.0351% | 5,264 |
| Core capital (leverage) ratio | 8.9392% | 4,727 |
| Tier 1 risk-based capital ratio | 11.4488% | 5,446 |
| Total risk-based capital ratio | 12.5267% | 5,522 |
| Memoranda: | ||
| Average total assets | $195,387,330 | 3,273 |
| Average earning assets | $176,617,330 | 3,307 |
| Average equity | $17,319,330 | 3,655 |
| Average total loans | $164,402,000 | 2,749 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7088% | 3,755 |
| Cost of funding earning assets | 1.5170% | 6,356 |
| Net interest margin | 4.1918% | 1,927 |
| Noninterest income to average assets | 2.9089% | 217 |
| Noninterest expense to average assets | 4.4325% | 762 |
| Loan and lease loss provision to assets | 0.6182% | 2,041 |
| Net operating income to assets | 1.6976% | 649 |
| Return on assets (ROA) | 1.6976% | 715 |
| Pretax return on assets | 1.6976% | 1,185 |
| Return on Equity (ROE) | 19.3508% | 474 |
| Retained earnings to average equity (ytd only) | 8.8870% | 1,517 |
| Net charge-offs to loans | 0.0173% | 5,333 |
| Credit loss provision to net charge-offs | 4,214.2857% | 172 |
| Earnings coverage of net charge-offs (x) | 157.8571% | 276 |
| Efficiency ratio | 65.6832% | 5,388 |
| Assets per employee ($millions) | 4.0271% | 3,607 |
| Cash dividends to net income (ytd only)* | 54.0741% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 5,491 |
| Loan loss allowance to noncurrent loans | 26.7698% | 6,784 |
| Noncurrent assets plus other real estate owned to assets | 3.8738% | 1,356 |
| Noncurrent loans to loans | 4.1000% | 1,461 |
| Net loans and leases to total assets | 83.5985% | 751 |
| Net loans and leases to deposits | 109.8991% | 612 |
| Net loans and leases to core deposits | 135.8327% | 1,317 |
| Total domestic deposits to total assets | 76.0684% | 6,495 |
| Equity capital to assets | 8.4007% | 6,234 |
| Core capital (leverage) ratio | 8.4737% | 5,592 |
| Tier 1 risk-based capital ratio | 10.6520% | 6,232 |
| Total risk-based capital ratio | 11.8448% | 6,220 |
| Memoranda: | ||
| Average total assets | $190,863,000 | 3,350 |
| Average earning assets | $174,816,500 | 3,351 |
| Average equity | $16,743,500 | 3,786 |
| Average total loans | $161,466,000 | 2,824 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5548% | 2,696 |
| Cost of funding earning assets | 2.3534% | 4,912 |
| Net interest margin | 4.2014% | 2,307 |
| Noninterest income to average assets | 1.3425% | 798 |
| Noninterest expense to average assets | 3.3934% | 2,701 |
| Loan and lease loss provision to assets | 0.4753% | 2,924 |
| Net operating income to assets | 1.3442% | 1,362 |
| Return on assets (ROA) | 1.3521% | 1,299 |
| Pretax return on assets | 1.3521% | 2,120 |
| Return on Equity (ROE) | 14.9984% | 925 |
| Retained earnings to average equity (ytd only) | 6.5973% | 1,303 |
| Net charge-offs to loans | 0.3775% | 2,951 |
| Credit loss provision to net charge-offs | 150.3597% | 3,489 |
| Earnings coverage of net charge-offs (x) | 5.7554% | 3,545 |
| Efficiency ratio | 65.0960% | 5,299 |
| Assets per employee ($millions) | 3.5367% | 4,575 |
| Cash dividends to net income (ytd only)* | 56.0135% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 5,751 |
| Loan loss allowance to noncurrent loans | 31.7588% | 6,610 |
| Noncurrent assets plus other real estate owned to assets | 3.2050% | 1,425 |
| Noncurrent loans to loans | 3.2573% | 1,607 |
| Net loans and leases to total assets | 83.8019% | 922 |
| Net loans and leases to deposits | 124.8429% | 287 |
| Net loans and leases to core deposits | 148.7127% | 900 |
| Total domestic deposits to total assets | 67.1259% | 7,560 |
| Equity capital to assets | 9.1876% | 5,099 |
| Core capital (leverage) ratio | 9.1768% | 4,476 |
| Tier 1 risk-based capital ratio | 11.5569% | 5,191 |
| Total risk-based capital ratio | 12.6834% | 5,205 |
| Memoranda: | ||
| Average total assets | $175,872,400 | 3,463 |
| Average earning assets | $162,018,200 | 3,438 |
| Average equity | $15,855,000 | 3,962 |
| Average total loans | $147,272,800 | 2,973 |