Home > The Heritage Bank > Performance and Condition Ratios
The Heritage Bank, Performance and Condition Ratios
| 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 | 4.8138% | 2,015 |
| Cost of funding earning assets | 0.5546% | 3,863 |
| Net interest margin | 4.2592% | 1,221 |
| Noninterest income to average assets | 1.9148% | 284 |
| Noninterest expense to average assets | 4.1711% | 428 |
| Loan and lease loss provision to assets | 0.3442% | 378 |
| Net operating income to assets | 0.8595% | 3,434 |
| Return on assets (ROA) | 0.8595% | 3,499 |
| Pretax return on assets | 1.1321% | 3,144 |
| Return on Equity (ROE) | 8.8670% | 2,911 |
| Retained earnings to average equity (ytd only) | 8.8670% | 1,069 |
| Net charge-offs to loans | 0.4347% | 379 |
| Credit loss provision to net charge-offs | 124.2236% | 1,703 |
| Earnings coverage of net charge-offs (x) | 5.3280% | 2,669 |
| Efficiency ratio | 73.8587% | 1,662 |
| Assets per employee ($millions) | 3.1920% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 1,603 |
| Loan loss allowance to noncurrent loans | 152.3055% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 1.7470% | 589 |
| Noncurrent loans to loans | 0.9207% | 1,780 |
| Net loans and leases to total assets | 64.8050% | 3,258 |
| Net loans and leases to deposits | 72.4760% | 3,645 |
| Net loans and leases to core deposits | 75.1634% | 3,802 |
| Total domestic deposits to total assets | 89.4158% | 502 |
| Equity capital to assets | 10.0948% | 3,892 |
| Core capital (leverage) ratio | 8.9953% | 4,630 |
| Tier 1 risk-based capital ratio | 11.2967% | 4,789 |
| Total risk-based capital ratio | 12.4861% | 4,706 |
| Memoranda: | ||
| Average total assets | $581,048,670 | 1,255 |
| Average earning assets | $509,207,000 | 1,315 |
| Average equity | $56,321,000 | 1,425 |
| Average total loans | $370,366,000 | 1,372 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7910% | 1,922 |
| Cost of funding earning assets | 0.5058% | 4,033 |
| Net interest margin | 4.2852% | 1,121 |
| Noninterest income to average assets | 1.8830% | 269 |
| Noninterest expense to average assets | 4.0987% | 464 |
| Loan and lease loss provision to assets | 0.6212% | 166 |
| Net operating income to assets | 0.6868% | 3,981 |
| Return on assets (ROA) | 0.6868% | 4,020 |
| Pretax return on assets | 0.9056% | 3,750 |
| Return on Equity (ROE) | 7.2367% | 3,578 |
| Retained earnings to average equity (ytd only) | 7.2367% | 1,955 |
| Net charge-offs to loans | 0.7701% | 190 |
| Credit loss provision to net charge-offs | 128.5714% | 1,356 |
| Earnings coverage of net charge-offs (x) | 3.1600% | 2,425 |
| Efficiency ratio | 72.8589% | 1,899 |
| Assets per employee ($millions) | 3.1741% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 1,451 |
| Loan loss allowance to noncurrent loans | 86.0038% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 2.2712% | 380 |
| Noncurrent loans to loans | 1.7045% | 903 |
| Net loans and leases to total assets | 63.7536% | 3,320 |
| Net loans and leases to deposits | 71.0597% | 3,684 |
| Net loans and leases to core deposits | 73.1702% | 3,851 |
| Total domestic deposits to total assets | 89.7184% | 556 |
| Equity capital to assets | 9.8626% | 3,955 |
| Core capital (leverage) ratio | 8.7434% | 4,832 |
| Tier 1 risk-based capital ratio | 11.2529% | 4,859 |
| Total risk-based capital ratio | 12.4822% | 4,781 |
| Memoranda: | ||
| Average total assets | $579,500,500 | 1,259 |
| Average earning assets | $506,112,500 | 1,330 |
| Average equity | $54,997,500 | 1,448 |
| Average total loans | $363,579,500 | 1,396 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4904% | 2,486 |
| Cost of funding earning assets | 0.3438% | 4,322 |
| Net interest margin | 4.1466% | 1,536 |
| Noninterest income to average assets | 1.6852% | 338 |
| Noninterest expense to average assets | 4.1228% | 454 |
| Loan and lease loss provision to assets | 0.2410% | 726 |
| Net operating income to assets | 2.5107% | 148 |
| Return on assets (ROA) | 2.5107% | 145 |
| Pretax return on assets | 0.9804% | 3,674 |
| Return on Equity (ROE) | 31.1801% | 30 |
| Retained earnings to average equity (ytd only) | 29.5989% | 13 |
| Net charge-offs to loans | 0.2323% | 840 |
| Credit loss provision to net charge-offs | 174.1130% | 1,612 |
| Earnings coverage of net charge-offs (x) | 8.8239% | 2,862 |
| Efficiency ratio | 76.6243% | 1,281 |
| Assets per employee ($millions) | 3.2825% | 4,756 |
| Cash dividends to net income (ytd only)* | 5.0714% | 3,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 1,475 |
| Loan loss allowance to noncurrent loans | 89.4809% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 2.1723% | 412 |
| Noncurrent loans to loans | 1.6129% | 906 |
| Net loans and leases to total assets | 59.9753% | 3,782 |
| Net loans and leases to deposits | 66.2710% | 4,096 |
| Net loans and leases to core deposits | 68.6011% | 4,204 |
| Total domestic deposits to total assets | 90.5000% | 320 |
| Equity capital to assets | 9.1327% | 4,462 |
| Core capital (leverage) ratio | 8.8658% | 4,757 |
| Tier 1 risk-based capital ratio | 11.2645% | 4,829 |
| Total risk-based capital ratio | 12.4812% | 4,769 |
| Memoranda: | ||
| Average total assets | $549,777,800 | 1,291 |
| Average earning assets | $485,121,600 | 1,350 |
| Average equity | $44,268,600 | 1,688 |
| Average total loans | $327,657,200 | 1,491 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4302% | 2,529 |
| Cost of funding earning assets | 0.3113% | 4,441 |
| Net interest margin | 4.1189% | 1,573 |
| Noninterest income to average assets | 1.8317% | 316 |
| Noninterest expense to average assets | 4.2371% | 380 |
| Loan and lease loss provision to assets | 0.2286% | 713 |
| Net operating income to assets | 1.0088% | 3,045 |
| Return on assets (ROA) | 1.0088% | 3,058 |
| Pretax return on assets | 1.0088% | 3,697 |
| Return on Equity (ROE) | 13.0062% | 1,429 |
| Retained earnings to average equity (ytd only) | 13.0062% | 360 |
| Net charge-offs to loans | 0.2181% | 781 |
| Credit loss provision to net charge-offs | 176.8642% | 1,520 |
| Earnings coverage of net charge-offs (x) | 9.5736% | 2,637 |
| Efficiency ratio | 76.9186% | 1,237 |
| Assets per employee ($millions) | 2.8907% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 1,483 |
| Loan loss allowance to noncurrent loans | 155.7794% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 2.2602% | 427 |
| Noncurrent loans to loans | 0.9389% | 1,810 |
| Net loans and leases to total assets | 63.6755% | 3,469 |
| Net loans and leases to deposits | 69.7797% | 3,934 |
| Net loans and leases to core deposits | 71.5739% | 4,104 |
| Total domestic deposits to total assets | 91.2522% | 174 |
| Equity capital to assets | 8.1290% | 5,123 |
| Core capital (leverage) ratio | 8.8816% | 4,817 |
| Tier 1 risk-based capital ratio | 11.4777% | 4,800 |
| Total risk-based capital ratio | 12.6967% | 4,704 |
| Memoranda: | ||
| Average total assets | $539,511,750 | 1,314 |
| Average earning assets | $477,142,500 | 1,373 |
| Average equity | $41,845,750 | 1,796 |
| Average total loans | $319,684,500 | 1,523 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2884% | 2,806 |
| Cost of funding earning assets | 0.2851% | 4,534 |
| Net interest margin | 4.0034% | 1,847 |
| Noninterest income to average assets | 1.8220% | 311 |
| Noninterest expense to average assets | 4.1852% | 419 |
| Loan and lease loss provision to assets | 0.2306% | 693 |
| Net operating income to assets | 0.9505% | 3,233 |
| Return on assets (ROA) | 0.9505% | 3,242 |
| Pretax return on assets | 0.9505% | 3,805 |
| Return on Equity (ROE) | 12.4500% | 1,560 |
| Retained earnings to average equity (ytd only) | 12.4500% | 452 |
| Net charge-offs to loans | 0.1521% | 1,015 |
| Credit loss provision to net charge-offs | 263.7131% | 1,104 |
| Earnings coverage of net charge-offs (x) | 13.5063% | 2,145 |
| Efficiency ratio | 77.5028% | 1,249 |
| Assets per employee ($millions) | 2.9465% | 5,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 1,405 |
| Loan loss allowance to noncurrent loans | 89.9838% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 2.7038% | 299 |
| Noncurrent loans to loans | 1.6647% | 957 |
| Net loans and leases to total assets | 61.8097% | 3,627 |
| Net loans and leases to deposits | 67.3771% | 4,061 |
| Net loans and leases to core deposits | 68.9824% | 4,203 |
| Total domestic deposits to total assets | 91.7369% | 115 |
| Equity capital to assets | 7.8774% | 5,267 |
| Core capital (leverage) ratio | 8.5096% | 5,102 |
| Tier 1 risk-based capital ratio | 11.3106% | 4,892 |
| Total risk-based capital ratio | 12.5472% | 4,798 |
| Memoranda: | ||
| Average total assets | $542,050,670 | 1,310 |
| Average earning assets | $479,894,670 | 1,377 |
| Average equity | $41,381,670 | 1,812 |
| Average total loans | $311,674,670 | 1,554 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 3,234 |
| Cost of funding earning assets | 0.2735% | 4,556 |
| Net interest margin | 3.8266% | 2,312 |
| Noninterest income to average assets | 1.8316% | 300 |
| Noninterest expense to average assets | 4.1639% | 432 |
| Loan and lease loss provision to assets | 0.1464% | 1,265 |
| Net operating income to assets | 0.9114% | 3,245 |
| Return on assets (ROA) | 0.9114% | 3,255 |
| Pretax return on assets | 0.9114% | 3,813 |
| Return on Equity (ROE) | 12.1267% | 1,533 |
| Retained earnings to average equity (ytd only) | 12.1267% | 662 |
| Net charge-offs to loans | 0.1612% | 876 |
| Credit loss provision to net charge-offs | 165.2893% | 1,172 |
| Earnings coverage of net charge-offs (x) | 11.9421% | 1,824 |
| Efficiency ratio | 79.2514% | 1,229 |
| Assets per employee ($millions) | 3.2120% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 1,318 |
| Loan loss allowance to noncurrent loans | 84.8791% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 2.7809% | 309 |
| Noncurrent loans to loans | 1.8152% | 917 |
| Net loans and leases to total assets | 55.0527% | 4,204 |
| Net loans and leases to deposits | 59.7262% | 4,494 |
| Net loans and leases to core deposits | 61.0101% | 4,613 |
| Total domestic deposits to total assets | 92.1750% | 88 |
| Equity capital to assets | 7.5089% | 5,413 |
| Core capital (leverage) ratio | 8.1232% | 5,356 |
| Tier 1 risk-based capital ratio | 12.0950% | 4,498 |
| Total risk-based capital ratio | 13.3462% | 4,386 |
| Memoranda: | ||
| Average total assets | $546,414,000 | 1,311 |
| Average earning assets | $484,086,000 | 1,371 |
| Average equity | $41,066,500 | 1,827 |
| Average total loans | $300,182,500 | 1,602 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7715% | 4,141 |
| Cost of funding earning assets | 0.2920% | 4,211 |
| Net interest margin | 3.4795% | 3,596 |
| Noninterest income to average assets | 1.7669% | 358 |
| Noninterest expense to average assets | 4.0490% | 503 |
| Loan and lease loss provision to assets | 1.3411% | 66 |
| Net operating income to assets | -0.9865% | 5,586 |
| Return on assets (ROA) | -0.9714% | 5,586 |
| Pretax return on assets | -0.5537% | 5,558 |
| Return on Equity (ROE) | -11.9570% | 5,606 |
| Retained earnings to average equity (ytd only) | -11.9570% | 5,561 |
| Net charge-offs to loans | 2.5467% | 53 |
| Credit loss provision to net charge-offs | 107.1018% | 2,419 |
| Earnings coverage of net charge-offs (x) | 0.6167% | 3,980 |
| Efficiency ratio | 83.0072% | 852 |
| Assets per employee ($millions) | 3.1424% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 1,220 |
| Loan loss allowance to noncurrent loans | 71.2855% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 3.0927% | 252 |
| Noncurrent loans to loans | 2.1990% | 659 |
| Net loans and leases to total assets | 53.1150% | 4,432 |
| Net loans and leases to deposits | 57.6241% | 4,708 |
| Net loans and leases to core deposits | 58.8217% | 4,811 |
| Total domestic deposits to total assets | 92.1749% | 68 |
| Equity capital to assets | 7.5224% | 5,531 |
| Core capital (leverage) ratio | 8.0762% | 5,408 |
| Tier 1 risk-based capital ratio | 12.1614% | 4,422 |
| Total risk-based capital ratio | 13.4128% | 4,315 |
| Memoranda: | ||
| Average total assets | $555,495,800 | 1,270 |
| Average earning assets | $487,631,200 | 1,338 |
| Average equity | $45,128,400 | 1,656 |
| Average total loans | $273,141,800 | 1,696 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7066% | 4,307 |
| Cost of funding earning assets | 0.2976% | 4,157 |
| Net interest margin | 3.4090% | 3,817 |
| Noninterest income to average assets | 1.7066% | 392 |
| Noninterest expense to average assets | 3.9738% | 537 |
| Loan and lease loss provision to assets | 1.7214% | 49 |
| Net operating income to assets | -1.0006% | 5,669 |
| Return on assets (ROA) | -0.9805% | 5,668 |
| Pretax return on assets | -0.9805% | 5,657 |
| Return on Equity (ROE) | -11.8537% | 5,680 |
| Retained earnings to average equity (ytd only) | -11.8537% | 5,627 |
| Net charge-offs to loans | 3.3643% | 37 |
| Credit loss provision to net charge-offs | 106.6035% | 2,186 |
| Earnings coverage of net charge-offs (x) | 0.4464% | 3,665 |
| Efficiency ratio | 83.6525% | 782 |
| Assets per employee ($millions) | 2.9715% | 5,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 1,241 |
| Loan loss allowance to noncurrent loans | 63.6136% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 3.5124% | 216 |
| Noncurrent loans to loans | 2.5154% | 608 |
| Net loans and leases to total assets | 52.3317% | 4,545 |
| Net loans and leases to deposits | 57.0579% | 4,813 |
| Net loans and leases to core deposits | 58.2639% | 4,903 |
| Total domestic deposits to total assets | 91.7168% | 84 |
| Equity capital to assets | 8.0147% | 5,515 |
| Core capital (leverage) ratio | 8.0870% | 5,483 |
| Tier 1 risk-based capital ratio | 12.5965% | 4,261 |
| Total risk-based capital ratio | 13.8502% | 4,164 |
| Memoranda: | ||
| Average total assets | $557,674,750 | 1,283 |
| Average earning assets | $488,805,000 | 1,341 |
| Average equity | $46,127,750 | 1,645 |
| Average total loans | $267,665,500 | 1,730 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5798% | 4,564 |
| Cost of funding earning assets | 0.3000% | 4,082 |
| Net interest margin | 3.2797% | 4,172 |
| Noninterest income to average assets | 1.9285% | 329 |
| Noninterest expense to average assets | 3.9544% | 561 |
| Loan and lease loss provision to assets | 0.1772% | 1,084 |
| Net operating income to assets | 0.6677% | 3,992 |
| Return on assets (ROA) | 0.6677% | 4,051 |
| Pretax return on assets | 0.6677% | 4,635 |
| Return on Equity (ROE) | 7.9941% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.9941% | 1,170 |
| Net charge-offs to loans | 0.1965% | 1,026 |
| Credit loss provision to net charge-offs | 194.5525% | 1,303 |
| Earnings coverage of net charge-offs (x) | 9.2763% | 2,451 |
| Efficiency ratio | 81.4342% | 1,059 |
| Assets per employee ($millions) | 3.0035% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 1,259 |
| Loan loss allowance to noncurrent loans | 32.5665% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 4.9558% | 105 |
| Noncurrent loans to loans | 4.9142% | 158 |
| Net loans and leases to total assets | 46.8792% | 4,891 |
| Net loans and leases to deposits | 51.3404% | 5,087 |
| Net loans and leases to core deposits | 52.7203% | 5,123 |
| Total domestic deposits to total assets | 91.3104% | 155 |
| Equity capital to assets | 8.4846% | 5,315 |
| Core capital (leverage) ratio | 8.8555% | 4,893 |
| Tier 1 risk-based capital ratio | 14.0212% | 3,420 |
| Total risk-based capital ratio | 15.2399% | 3,348 |
| Memoranda: | ||
| Average total assets | $564,287,000 | 1,276 |
| Average earning assets | $493,943,670 | 1,335 |
| Average equity | $47,135,000 | 1,611 |
| Average total loans | $261,541,670 | 1,760 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4924% | 4,713 |
| Cost of funding earning assets | 0.3026% | 4,013 |
| Net interest margin | 3.1898% | 4,375 |
| Noninterest income to average assets | 2.0236% | 309 |
| Noninterest expense to average assets | 3.9958% | 545 |
| Loan and lease loss provision to assets | 0.1787% | 976 |
| Net operating income to assets | 0.6297% | 4,018 |
| Return on assets (ROA) | 0.6297% | 4,065 |
| Pretax return on assets | 0.6297% | 4,660 |
| Return on Equity (ROE) | 7.6005% | 3,118 |
| Retained earnings to average equity (ytd only) | 7.6005% | 1,611 |
| Net charge-offs to loans | 0.2018% | 858 |
| Credit loss provision to net charge-offs | 193.7984% | 1,030 |
| Earnings coverage of net charge-offs (x) | 8.7674% | 2,035 |
| Efficiency ratio | 82.2050% | 1,138 |
| Assets per employee ($millions) | 3.0368% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 1,258 |
| Loan loss allowance to noncurrent loans | 31.5735% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 5.2330% | 104 |
| Noncurrent loans to loans | 5.2138% | 151 |
| Net loans and leases to total assets | 44.0282% | 5,039 |
| Net loans and leases to deposits | 48.0587% | 5,218 |
| Net loans and leases to core deposits | 49.3656% | 5,246 |
| Total domestic deposits to total assets | 91.6135% | 162 |
| Equity capital to assets | 8.1730% | 5,433 |
| Core capital (leverage) ratio | 8.7684% | 4,987 |
| Tier 1 risk-based capital ratio | 14.1749% | 3,374 |
| Total risk-based capital ratio | 15.3983% | 3,306 |
| Memoranda: | ||
| Average total assets | $559,592,000 | 1,287 |
| Average earning assets | $487,806,000 | 1,348 |
| Average equity | $46,365,500 | 1,634 |
| Average total loans | $255,658,000 | 1,800 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4204% | 4,942 |
| Cost of funding earning assets | 0.3384% | 3,646 |
| Net interest margin | 3.0820% | 4,771 |
| Noninterest income to average assets | 2.1062% | 324 |
| Noninterest expense to average assets | 4.1721% | 499 |
| Loan and lease loss provision to assets | 1.3053% | 74 |
| Net operating income to assets | 0.3738% | 5,021 |
| Return on assets (ROA) | 0.3922% | 5,050 |
| Pretax return on assets | -0.6451% | 5,799 |
| Return on Equity (ROE) | 5.7382% | 4,102 |
| Retained earnings to average equity (ytd only) | 5.7382% | 1,860 |
| Net charge-offs to loans | 3.9837% | 23 |
| Credit loss provision to net charge-offs | 67.7850% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.3279% | 4,112 |
| Efficiency ratio | 85.7679% | 842 |
| Assets per employee ($millions) | 2.8994% | 5,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6327% | 1,296 |
| Loan loss allowance to noncurrent loans | 26.7899% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 5.8430% | 91 |
| Noncurrent loans to loans | 6.0943% | 95 |
| Net loans and leases to total assets | 45.9051% | 5,021 |
| Net loans and leases to deposits | 50.2369% | 5,200 |
| Net loans and leases to core deposits | 51.7501% | 5,239 |
| Total domestic deposits to total assets | 91.3773% | 190 |
| Equity capital to assets | 8.4054% | 5,341 |
| Core capital (leverage) ratio | 9.1662% | 4,531 |
| Tier 1 risk-based capital ratio | 14.4249% | 3,225 |
| Total risk-based capital ratio | 15.6557% | 3,168 |
| Memoranda: | ||
| Average total assets | $532,439,000 | 1,298 |
| Average earning assets | $466,002,200 | 1,365 |
| Average equity | $36,387,600 | 2,007 |
| Average total loans | $257,371,200 | 1,749 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3928% | 5,038 |
| Cost of funding earning assets | 0.3458% | 3,581 |
| Net interest margin | 3.0470% | 4,906 |
| Noninterest income to average assets | 2.2105% | 307 |
| Noninterest expense to average assets | 4.2492% | 467 |
| Loan and lease loss provision to assets | 1.7484% | 51 |
| Net operating income to assets | -1.1142% | 5,915 |
| Return on assets (ROA) | -1.0757% | 5,912 |
| Pretax return on assets | -1.0757% | 5,905 |
| Return on Equity (ROE) | -16.7233% | 5,934 |
| Retained earnings to average equity (ytd only) | -16.7233% | 5,901 |
| Net charge-offs to loans | 5.0942% | 10 |
| Credit loss provision to net charge-offs | 70.3797% | 2,784 |
| Earnings coverage of net charge-offs (x) | 0.2553% | 3,808 |
| Efficiency ratio | 85.9159% | 827 |
| Assets per employee ($millions) | 2.7545% | 5,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7878% | 1,034 |
| Loan loss allowance to noncurrent loans | 26.1089% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 6.5413% | 85 |
| Noncurrent loans to loans | 6.8474% | 89 |
| Net loans and leases to total assets | 47.0816% | 5,014 |
| Net loans and leases to deposits | 51.3534% | 5,236 |
| Net loans and leases to core deposits | 52.8017% | 5,276 |
| Total domestic deposits to total assets | 91.6817% | 99 |
| Equity capital to assets | 8.0496% | 5,721 |
| Core capital (leverage) ratio | 8.1676% | 5,594 |
| Tier 1 risk-based capital ratio | 13.0814% | 4,112 |
| Total risk-based capital ratio | 14.3330% | 4,020 |
| Memoranda: | ||
| Average total assets | $530,001,750 | 1,309 |
| Average earning assets | $464,932,500 | 1,366 |
| Average equity | $34,091,250 | 2,142 |
| Average total loans | $258,458,250 | 1,745 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4411% | 4,998 |
| Cost of funding earning assets | 0.3547% | 3,518 |
| Net interest margin | 3.0864% | 4,865 |
| Noninterest income to average assets | 2.0870% | 328 |
| Noninterest expense to average assets | 4.0508% | 558 |
| Loan and lease loss provision to assets | 2.5221% | 31 |
| Net operating income to assets | -1.7836% | 6,009 |
| Return on assets (ROA) | -1.7260% | 6,006 |
| Pretax return on assets | -1.7260% | 6,003 |
| Return on Equity (ROE) | -29.2613% | 6,025 |
| Retained earnings to average equity (ytd only) | -29.2613% | 6,002 |
| Net charge-offs to loans | 7.3363% | 4 |
| Credit loss provision to net charge-offs | 70.1057% | 2,477 |
| Earnings coverage of net charge-offs (x) | 0.2053% | 3,542 |
| Efficiency ratio | 83.4159% | 1,102 |
| Assets per employee ($millions) | 2.7439% | 5,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8427% | 1,001 |
| Loan loss allowance to noncurrent loans | 22.6014% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 7.2062% | 73 |
| Noncurrent loans to loans | 8.1531% | 63 |
| Net loans and leases to total assets | 46.0384% | 5,121 |
| Net loans and leases to deposits | 50.1533% | 5,327 |
| Net loans and leases to core deposits | 51.9905% | 5,362 |
| Total domestic deposits to total assets | 91.7955% | 101 |
| Equity capital to assets | 7.9681% | 5,816 |
| Core capital (leverage) ratio | 8.1077% | 5,663 |
| Tier 1 risk-based capital ratio | 13.3625% | 3,979 |
| Total risk-based capital ratio | 14.6149% | 3,897 |
| Memoranda: | ||
| Average total assets | $531,297,000 | 1,310 |
| Average earning assets | $465,197,670 | 1,369 |
| Average equity | $31,338,330 | 2,284 |
| Average total loans | $260,540,000 | 1,733 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5581% | 4,741 |
| Cost of funding earning assets | 0.3608% | 3,494 |
| Net interest margin | 3.1974% | 4,589 |
| Noninterest income to average assets | 2.0776% | 324 |
| Noninterest expense to average assets | 4.0597% | 567 |
| Loan and lease loss provision to assets | 0.4510% | 289 |
| Net operating income to assets | 0.3713% | 5,078 |
| Return on assets (ROA) | 0.3691% | 5,160 |
| Pretax return on assets | 0.3691% | 5,362 |
| Return on Equity (ROE) | 7.5804% | 3,143 |
| Retained earnings to average equity (ytd only) | 7.5804% | 1,630 |
| Net charge-offs to loans | 1.1057% | 162 |
| Credit loss provision to net charge-offs | 81.4111% | 1,828 |
| Earnings coverage of net charge-offs (x) | 1.4844% | 2,813 |
| Efficiency ratio | 81.8784% | 1,378 |
| Assets per employee ($millions) | 2.7891% | 5,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7725% | 281 |
| Loan loss allowance to noncurrent loans | 24.1615% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 8.3542% | 67 |
| Noncurrent loans to loans | 11.4748% | 32 |
| Net loans and leases to total assets | 47.7862% | 4,981 |
| Net loans and leases to deposits | 50.4727% | 5,316 |
| Net loans and leases to core deposits | 52.2771% | 5,337 |
| Total domestic deposits to total assets | 94.6774% | 14 |
| Equity capital to assets | 5.0440% | 6,090 |
| Core capital (leverage) ratio | 5.2705% | 6,084 |
| Tier 1 risk-based capital ratio | 8.2441% | 6,071 |
| Total risk-based capital ratio | 9.5054% | 6,071 |
| Memoranda: | ||
| Average total assets | $532,158,000 | 1,305 |
| Average earning assets | $466,761,000 | 1,357 |
| Average equity | $25,909,000 | 2,671 |
| Average total loans | $266,617,500 | 1,688 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5764% | 4,737 |
| Cost of funding earning assets | 0.4334% | 2,811 |
| Net interest margin | 3.1430% | 4,796 |
| Noninterest income to average assets | 2.1458% | 316 |
| Noninterest expense to average assets | 4.2366% | 522 |
| Loan and lease loss provision to assets | 1.1452% | 69 |
| Net operating income to assets | -0.4748% | 6,039 |
| Return on assets (ROA) | -0.4699% | 6,044 |
| Pretax return on assets | -0.4699% | 6,032 |
| Return on Equity (ROE) | -9.5543% | 6,097 |
| Retained earnings to average equity (ytd only) | -9.5543% | 6,030 |
| Net charge-offs to loans | 2.1278% | 63 |
| Credit loss provision to net charge-offs | 99.1225% | 2,571 |
| Earnings coverage of net charge-offs (x) | 0.5803% | 4,209 |
| Efficiency ratio | 84.5244% | 1,134 |
| Assets per employee ($millions) | 2.7400% | 5,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7529% | 301 |
| Loan loss allowance to noncurrent loans | 21.7884% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 9.4283% | 61 |
| Noncurrent loans to loans | 12.6347% | 26 |
| Net loans and leases to total assets | 49.6598% | 4,902 |
| Net loans and leases to deposits | 52.3057% | 5,272 |
| Net loans and leases to core deposits | 54.3781% | 5,288 |
| Total domestic deposits to total assets | 94.9415% | 15 |
| Equity capital to assets | 4.6911% | 6,148 |
| Core capital (leverage) ratio | 5.2788% | 6,143 |
| Tier 1 risk-based capital ratio | 7.8611% | 6,137 |
| Total risk-based capital ratio | 9.1222% | 6,136 |
| Memoranda: | ||
| Average total assets | $532,663,600 | 1,269 |
| Average earning assets | $467,955,800 | 1,325 |
| Average equity | $26,197,600 | 2,610 |
| Average total loans | $289,213,200 | 1,510 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6105% | 4,703 |
| Cost of funding earning assets | 0.4483% | 2,706 |
| Net interest margin | 3.1622% | 4,795 |
| Noninterest income to average assets | 2.2185% | 309 |
| Noninterest expense to average assets | 4.1863% | 541 |
| Loan and lease loss provision to assets | 1.3742% | 43 |
| Net operating income to assets | -0.5612% | 6,152 |
| Return on assets (ROA) | -0.5549% | 6,149 |
| Pretax return on assets | -0.5549% | 6,144 |
| Return on Equity (ROE) | -11.1555% | 6,192 |
| Retained earnings to average equity (ytd only) | -11.1555% | 6,141 |
| Net charge-offs to loans | 2.4765% | 45 |
| Credit loss provision to net charge-offs | 100.7142% | 2,244 |
| Earnings coverage of net charge-offs (x) | 0.5959% | 3,929 |
| Efficiency ratio | 81.9931% | 1,397 |
| Assets per employee ($millions) | 2.5623% | 5,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6517% | 352 |
| Loan loss allowance to noncurrent loans | 19.9375% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 9.5379% | 62 |
| Noncurrent loans to loans | 13.3000% | 24 |
| Net loans and leases to total assets | 53.9223% | 4,574 |
| Net loans and leases to deposits | 57.0220% | 5,070 |
| Net loans and leases to core deposits | 59.4292% | 5,105 |
| Total domestic deposits to total assets | 94.5641% | 23 |
| Equity capital to assets | 5.1112% | 6,227 |
| Core capital (leverage) ratio | 5.2343% | 6,225 |
| Tier 1 risk-based capital ratio | 7.6419% | 6,223 |
| Total risk-based capital ratio | 8.9022% | 6,223 |
| Memoranda: | ||
| Average total assets | $533,626,500 | 1,277 |
| Average earning assets | $469,283,750 | 1,323 |
| Average equity | $26,545,250 | 2,604 |
| Average total loans | $294,006,250 | 1,500 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5699% | 4,809 |
| Cost of funding earning assets | 0.4655% | 2,555 |
| Net interest margin | 3.1043% | 4,961 |
| Noninterest income to average assets | 2.1676% | 330 |
| Noninterest expense to average assets | 4.1181% | 597 |
| Loan and lease loss provision to assets | 1.8125% | 28 |
| Net operating income to assets | -1.0350% | 6,264 |
| Return on assets (ROA) | -1.0317% | 6,264 |
| Pretax return on assets | -1.0317% | 6,261 |
| Return on Equity (ROE) | -20.9206% | 6,297 |
| Retained earnings to average equity (ytd only) | -20.9206% | 6,268 |
| Net charge-offs to loans | 3.0970% | 36 |
| Credit loss provision to net charge-offs | 106.4061% | 1,967 |
| Earnings coverage of net charge-offs (x) | 0.4565% | 3,654 |
| Efficiency ratio | 82.4254% | 1,435 |
| Assets per employee ($millions) | 2.7259% | 5,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6528% | 395 |
| Loan loss allowance to noncurrent loans | 20.0831% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 9.2788% | 71 |
| Noncurrent loans to loans | 13.2091% | 29 |
| Net loans and leases to total assets | 52.6509% | 4,690 |
| Net loans and leases to deposits | 55.4942% | 5,160 |
| Net loans and leases to core deposits | 59.0425% | 5,128 |
| Total domestic deposits to total assets | 94.8764% | 18 |
| Equity capital to assets | 4.4056% | 6,310 |
| Core capital (leverage) ratio | 4.9973% | 6,302 |
| Tier 1 risk-based capital ratio | 7.1760% | 6,307 |
| Total risk-based capital ratio | 8.4362% | 6,307 |
| Memoranda: | ||
| Average total assets | $540,681,670 | 1,267 |
| Average earning assets | $475,144,670 | 1,317 |
| Average equity | $26,662,670 | 2,597 |
| Average total loans | $297,389,000 | 1,492 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5945% | 4,709 |
| Cost of funding earning assets | 0.4714% | 2,553 |
| Net interest margin | 3.1231% | 4,873 |
| Noninterest income to average assets | 2.1334% | 336 |
| Noninterest expense to average assets | 4.1260% | 597 |
| Loan and lease loss provision to assets | 2.0008% | 28 |
| Net operating income to assets | -1.2538% | 6,336 |
| Return on assets (ROA) | -1.2531% | 6,339 |
| Pretax return on assets | -1.2531% | 6,330 |
| Return on Equity (ROE) | -24.1184% | 6,369 |
| Retained earnings to average equity (ytd only) | -24.1184% | 6,302 |
| Net charge-offs to loans | 3.6274% | 34 |
| Credit loss provision to net charge-offs | 99.4475% | 1,669 |
| Earnings coverage of net charge-offs (x) | 0.3713% | 3,063 |
| Efficiency ratio | 83.1661% | 1,465 |
| Assets per employee ($millions) | 2.6178% | 6,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5243% | 512 |
| Loan loss allowance to noncurrent loans | 19.1130% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 9.4722% | 68 |
| Noncurrent loans to loans | 13.2072% | 32 |
| Net loans and leases to total assets | 53.5107% | 4,497 |
| Net loans and leases to deposits | 56.6059% | 5,012 |
| Net loans and leases to core deposits | 60.2285% | 4,980 |
| Total domestic deposits to total assets | 94.5321% | 20 |
| Equity capital to assets | 5.1536% | 6,366 |
| Core capital (leverage) ratio | 5.1427% | 6,362 |
| Tier 1 risk-based capital ratio | 7.9493% | 6,354 |
| Total risk-based capital ratio | 9.2099% | 6,351 |
| Memoranda: | ||
| Average total assets | $539,797,500 | 1,270 |
| Average earning assets | $473,504,500 | 1,331 |
| Average equity | $28,045,000 | 2,501 |
| Average total loans | $299,389,500 | 1,484 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9287% | 4,026 |
| Cost of funding earning assets | 0.5797% | 1,955 |
| Net interest margin | 3.3490% | 4,404 |
| Noninterest income to average assets | 2.1782% | 299 |
| Noninterest expense to average assets | 4.3307% | 531 |
| Loan and lease loss provision to assets | 0.0894% | 2,682 |
| Net operating income to assets | 0.6875% | 3,960 |
| Return on assets (ROA) | 0.6875% | 4,073 |
| Pretax return on assets | 0.6875% | 4,668 |
| Return on Equity (ROE) | 16.7039% | 524 |
| Retained earnings to average equity (ytd only) | 16.7039% | 111 |
| Net charge-offs to loans | 1.7687% | 124 |
| Credit loss provision to net charge-offs | 8.6836% | 4,115 |
| Earnings coverage of net charge-offs (x) | 0.7546% | 4,572 |
| Efficiency ratio | 82.9874% | 1,527 |
| Assets per employee ($millions) | 2.6486% | 6,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4734% | 571 |
| Loan loss allowance to noncurrent loans | 18.6836% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 9.6961% | 89 |
| Noncurrent loans to loans | 13.2386% | 38 |
| Net loans and leases to total assets | 54.6432% | 4,496 |
| Net loans and leases to deposits | 57.9073% | 5,069 |
| Net loans and leases to core deposits | 61.6549% | 5,028 |
| Total domestic deposits to total assets | 94.3632% | 23 |
| Equity capital to assets | 5.2373% | 6,452 |
| Core capital (leverage) ratio | 5.4971% | 6,438 |
| Tier 1 risk-based capital ratio | 8.2511% | 6,437 |
| Total risk-based capital ratio | 9.5120% | 6,438 |
| Memoranda: | ||
| Average total assets | $559,312,000 | 1,188 |
| Average earning assets | $489,225,200 | 1,256 |
| Average equity | $23,018,600 | 2,847 |
| Average total loans | $325,557,200 | 1,345 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9774% | 3,846 |
| Cost of funding earning assets | 0.6074% | 1,771 |
| Net interest margin | 3.3701% | 4,361 |
| Noninterest income to average assets | 2.1444% | 306 |
| Noninterest expense to average assets | 4.4143% | 501 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6772% | 4,062 |
| Return on assets (ROA) | 0.6772% | 4,150 |
| Pretax return on assets | 0.6772% | 4,777 |
| Return on Equity (ROE) | 17.6042% | 480 |
| Retained earnings to average equity (ytd only) | 17.6042% | 123 |
| Net charge-offs to loans | 0.3578% | 1,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.2227% | 3,703 |
| Efficiency ratio | 84.9071% | 1,296 |
| Assets per employee ($millions) | 2.5694% | 6,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7528% | 195 |
| Loan loss allowance to noncurrent loans | 26.1750% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 10.9908% | 75 |
| Noncurrent loans to loans | 14.3374% | 42 |
| Net loans and leases to total assets | 57.7328% | 4,110 |
| Net loans and leases to deposits | 60.8905% | 4,861 |
| Net loans and leases to core deposits | 64.8434% | 4,810 |
| Total domestic deposits to total assets | 94.8142% | 28 |
| Equity capital to assets | 4.7444% | 6,531 |
| Core capital (leverage) ratio | 5.1777% | 6,523 |
| Tier 1 risk-based capital ratio | 7.6998% | 6,516 |
| Total risk-based capital ratio | 8.9748% | 6,517 |
| Memoranda: | ||
| Average total assets | $564,060,000 | 1,184 |
| Average earning assets | $493,271,000 | 1,257 |
| Average equity | $21,698,750 | 2,986 |
| Average total loans | $331,262,500 | 1,322 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9425% | 3,963 |
| Cost of funding earning assets | 0.6509% | 1,507 |
| Net interest margin | 3.2917% | 4,626 |
| Noninterest income to average assets | 2.0829% | 325 |
| Noninterest expense to average assets | 4.2643% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6959% | 3,864 |
| Return on assets (ROA) | 0.6959% | 3,953 |
| Pretax return on assets | 0.6959% | 4,654 |
| Return on Equity (ROE) | 19.4741% | 321 |
| Retained earnings to average equity (ytd only) | 19.4741% | 91 |
| Net charge-offs to loans | 0.3419% | 1,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.4887% | 3,293 |
| Efficiency ratio | 84.1726% | 1,491 |
| Assets per employee ($millions) | 2.6873% | 6,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7418% | 205 |
| Loan loss allowance to noncurrent loans | 37.2430% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 8.5567% | 121 |
| Noncurrent loans to loans | 10.0469% | 78 |
| Net loans and leases to total assets | 56.8360% | 4,137 |
| Net loans and leases to deposits | 59.6267% | 4,894 |
| Net loans and leases to core deposits | 64.0583% | 4,818 |
| Total domestic deposits to total assets | 95.3196% | 26 |
| Equity capital to assets | 4.2696% | 6,609 |
| Core capital (leverage) ratio | 4.6795% | 6,598 |
| Tier 1 risk-based capital ratio | 7.2494% | 6,588 |
| Total risk-based capital ratio | 8.5247% | 6,585 |
| Memoranda: | ||
| Average total assets | $576,505,670 | 1,146 |
| Average earning assets | $503,941,330 | 1,220 |
| Average equity | $20,601,670 | 3,107 |
| Average total loans | $336,367,000 | 1,300 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9257% | 3,988 |
| Cost of funding earning assets | 0.6684% | 1,448 |
| Net interest margin | 3.2574% | 4,712 |
| Noninterest income to average assets | 2.0376% | 329 |
| Noninterest expense to average assets | 4.2022% | 602 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6835% | 3,764 |
| Return on assets (ROA) | 0.6835% | 3,840 |
| Pretax return on assets | 0.6835% | 4,544 |
| Return on Equity (ROE) | 21.0427% | 243 |
| Retained earnings to average equity (ytd only) | 21.0427% | 101 |
| Net charge-offs to loans | 0.1825% | 1,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.4551% | 2,219 |
| Efficiency ratio | 84.2178% | 1,646 |
| Assets per employee ($millions) | 2.8306% | 6,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7535% | 223 |
| Loan loss allowance to noncurrent loans | 34.8898% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 8.9264% | 134 |
| Noncurrent loans to loans | 10.7582% | 87 |
| Net loans and leases to total assets | 55.0964% | 4,272 |
| Net loans and leases to deposits | 57.3776% | 4,999 |
| Net loans and leases to core deposits | 63.5533% | 4,729 |
| Total domestic deposits to total assets | 96.0241% | 19 |
| Equity capital to assets | 3.6456% | 6,681 |
| Core capital (leverage) ratio | 4.2883% | 6,670 |
| Tier 1 risk-based capital ratio | 6.7755% | 6,662 |
| Total risk-based capital ratio | 8.0511% | 6,662 |
| Memoranda: | ||
| Average total assets | $589,314,000 | 1,136 |
| Average earning assets | $515,265,000 | 1,193 |
| Average equity | $19,142,000 | 3,261 |
| Average total loans | $341,913,500 | 1,282 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 4,076 |
| Cost of funding earning assets | 0.8575% | 923 |
| Net interest margin | 3.1461% | 5,173 |
| Noninterest income to average assets | 2.0076% | 386 |
| Noninterest expense to average assets | 4.1320% | 749 |
| Loan and lease loss provision to assets | 0.0776% | 3,557 |
| Net operating income to assets | 0.5533% | 4,488 |
| Return on assets (ROA) | 0.5714% | 4,512 |
| Pretax return on assets | 0.5809% | 4,932 |
| Return on Equity (ROE) | 18.1474% | 396 |
| Retained earnings to average equity (ytd only) | 18.1474% | 105 |
| Net charge-offs to loans | 1.3789% | 355 |
| Credit loss provision to net charge-offs | 9.3406% | 4,591 |
| Earnings coverage of net charge-offs (x) | 0.7700% | 4,832 |
| Efficiency ratio | 84.6001% | 1,564 |
| Assets per employee ($millions) | 2.8223% | 6,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6584% | 255 |
| Loan loss allowance to noncurrent loans | 31.2954% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 9.3025% | 145 |
| Noncurrent loans to loans | 11.6898% | 80 |
| Net loans and leases to total assets | 56.6334% | 4,237 |
| Net loans and leases to deposits | 58.5564% | 5,072 |
| Net loans and leases to core deposits | 65.3686% | 4,746 |
| Total domestic deposits to total assets | 96.7160% | 20 |
| Equity capital to assets | 2.8553% | 6,767 |
| Core capital (leverage) ratio | 4.1701% | 6,745 |
| Tier 1 risk-based capital ratio | 6.2757% | 6,750 |
| Total risk-based capital ratio | 7.5505% | 6,750 |
| Memoranda: | ||
| Average total assets | $644,050,000 | 1,040 |
| Average earning assets | $565,914,600 | 1,073 |
| Average equity | $20,278,400 | 3,126 |
| Average total loans | $388,217,800 | 1,098 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9673% | 4,252 |
| Cost of funding earning assets | 0.9018% | 807 |
| Net interest margin | 3.0655% | 5,412 |
| Noninterest income to average assets | 2.1099% | 385 |
| Noninterest expense to average assets | 4.1981% | 689 |
| Loan and lease loss provision to assets | 0.1015% | 3,071 |
| Net operating income to assets | 0.5054% | 4,770 |
| Return on assets (ROA) | 0.5296% | 4,828 |
| Pretax return on assets | 0.5296% | 5,270 |
| Return on Equity (ROE) | 16.4727% | 588 |
| Retained earnings to average equity (ytd only) | 16.4727% | 145 |
| Net charge-offs to loans | 1.5082% | 311 |
| Credit loss provision to net charge-offs | 11.1012% | 4,210 |
| Earnings coverage of net charge-offs (x) | 0.6639% | 4,626 |
| Efficiency ratio | 85.4391% | 1,424 |
| Assets per employee ($millions) | 2.8851% | 6,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6764% | 288 |
| Loan loss allowance to noncurrent loans | 31.2500% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 10.1013% | 136 |
| Noncurrent loans to loans | 11.7645% | 89 |
| Net loans and leases to total assets | 59.9323% | 3,702 |
| Net loans and leases to deposits | 62.1725% | 4,740 |
| Net loans and leases to core deposits | 69.4573% | 4,376 |
| Total domestic deposits to total assets | 96.3968% | 17 |
| Equity capital to assets | 3.0996% | 6,844 |
| Core capital (leverage) ratio | 3.8140% | 6,833 |
| Tier 1 risk-based capital ratio | 5.6586% | 6,837 |
| Total risk-based capital ratio | 6.9340% | 6,837 |
| Memoranda: | ||
| Average total assets | $656,889,750 | 1,022 |
| Average earning assets | $577,503,500 | 1,064 |
| Average equity | $21,117,250 | 3,062 |
| Average total loans | $398,170,500 | 1,076 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9815% | 4,181 |
| Cost of funding earning assets | 0.9660% | 652 |
| Net interest margin | 3.0155% | 5,533 |
| Noninterest income to average assets | 2.0373% | 432 |
| Noninterest expense to average assets | 4.1060% | 766 |
| Loan and lease loss provision to assets | 0.1475% | 2,487 |
| Net operating income to assets | 0.4367% | 5,074 |
| Return on assets (ROA) | 0.4719% | 5,098 |
| Pretax return on assets | 0.4719% | 5,458 |
| Return on Equity (ROE) | 14.5260% | 902 |
| Retained earnings to average equity (ytd only) | 14.5260% | 269 |
| Net charge-offs to loans | 1.1628% | 502 |
| Credit loss provision to net charge-offs | 21.0970% | 3,713 |
| Earnings coverage of net charge-offs (x) | 0.8354% | 4,251 |
| Efficiency ratio | 85.6361% | 1,447 |
| Assets per employee ($millions) | 3.0721% | 5,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0678% | 244 |
| Loan loss allowance to noncurrent loans | 37.2407% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 9.5749% | 161 |
| Noncurrent loans to loans | 10.9230% | 119 |
| Net loans and leases to total assets | 58.0499% | 3,979 |
| Net loans and leases to deposits | 60.2733% | 4,945 |
| Net loans and leases to core deposits | 68.1715% | 4,478 |
| Total domestic deposits to total assets | 96.3111% | 20 |
| Equity capital to assets | 3.2203% | 6,893 |
| Core capital (leverage) ratio | 3.3046% | 6,893 |
| Tier 1 risk-based capital ratio | 5.1443% | 6,892 |
| Total risk-based capital ratio | 6.4239% | 6,894 |
| Memoranda: | ||
| Average total assets | $677,743,330 | 984 |
| Average earning assets | $596,261,330 | 1,035 |
| Average equity | $22,015,670 | 2,987 |
| Average total loans | $407,630,670 | 1,042 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9101% | 4,432 |
| Cost of funding earning assets | 1.0073% | 595 |
| Net interest margin | 2.9028% | 5,807 |
| Noninterest income to average assets | 2.1730% | 387 |
| Noninterest expense to average assets | 3.9753% | 911 |
| Loan and lease loss provision to assets | 0.2869% | 1,223 |
| Net operating income to assets | 0.4671% | 4,838 |
| Return on assets (ROA) | 0.4671% | 5,001 |
| Pretax return on assets | 0.4671% | 5,367 |
| Return on Equity (ROE) | 14.3218% | 896 |
| Retained earnings to average equity (ytd only) | 14.3218% | 417 |
| Net charge-offs to loans | 1.4015% | 390 |
| Credit loss provision to net charge-offs | 34.1297% | 2,825 |
| Earnings coverage of net charge-offs (x) | 0.8969% | 3,536 |
| Efficiency ratio | 82.2495% | 2,010 |
| Assets per employee ($millions) | 3.2413% | 5,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0549% | 276 |
| Loan loss allowance to noncurrent loans | 35.7659% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 9.5424% | 219 |
| Noncurrent loans to loans | 11.3374% | 160 |
| Net loans and leases to total assets | 56.4774% | 4,016 |
| Net loans and leases to deposits | 60.1302% | 4,777 |
| Net loans and leases to core deposits | 69.4088% | 4,146 |
| Total domestic deposits to total assets | 93.9253% | 76 |
| Equity capital to assets | 3.2500% | 6,967 |
| Core capital (leverage) ratio | 3.0832% | 6,968 |
| Tier 1 risk-based capital ratio | 4.7859% | 6,962 |
| Total risk-based capital ratio | 6.0669% | 6,963 |
| Memoranda: | ||
| Average total assets | $697,113,000 | 962 |
| Average earning assets | $613,894,000 | 1,010 |
| Average equity | $22,734,500 | 2,954 |
| Average total loans | $418,111,000 | 1,023 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0766% | 5,032 |
| Cost of funding earning assets | 1.2272% | 507 |
| Net interest margin | 2.8494% | 6,311 |
| Noninterest income to average assets | 0.9387% | 1,746 |
| Noninterest expense to average assets | 3.9705% | 1,008 |
| Loan and lease loss provision to assets | 0.8610% | 536 |
| Net operating income to assets | -1.3587% | 6,832 |
| Return on assets (ROA) | -1.2893% | 6,828 |
| Pretax return on assets | -1.2893% | 6,799 |
| Return on Equity (ROE) | -36.4232% | 6,979 |
| Retained earnings to average equity (ytd only) | -36.4232% | 6,967 |
| Net charge-offs to loans | 2.4854% | 243 |
| Credit loss provision to net charge-offs | 56.1752% | 4,544 |
| Earnings coverage of net charge-offs (x) | -0.3247% | 5,621 |
| Efficiency ratio | 111.3685% | 313 |
| Assets per employee ($millions) | 3.1697% | 5,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1312% | 263 |
| Loan loss allowance to noncurrent loans | 38.0914% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 9.5556% | 237 |
| Noncurrent loans to loans | 10.8454% | 195 |
| Net loans and leases to total assets | 58.5662% | 3,868 |
| Net loans and leases to deposits | 62.4603% | 4,728 |
| Net loans and leases to core deposits | 72.8436% | 3,934 |
| Total domestic deposits to total assets | 93.7654% | 74 |
| Equity capital to assets | 3.2724% | 7,029 |
| Core capital (leverage) ratio | 2.8352% | 7,034 |
| Tier 1 risk-based capital ratio | 4.4039% | 7,033 |
| Total risk-based capital ratio | 5.6857% | 7,033 |
| Memoranda: | ||
| Average total assets | $795,559,800 | 832 |
| Average earning assets | $707,550,600 | 854 |
| Average equity | $28,160,600 | 2,383 |
| Average total loans | $490,619,600 | 839 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0248% | 5,442 |
| Cost of funding earning assets | 1.2513% | 550 |
| Net interest margin | 2.7735% | 6,545 |
| Noninterest income to average assets | 1.2099% | 1,026 |
| Noninterest expense to average assets | 3.8329% | 1,156 |
| Loan and lease loss provision to assets | 1.1136% | 343 |
| Net operating income to assets | -1.2647% | 6,920 |
| Return on assets (ROA) | -1.1749% | 6,922 |
| Pretax return on assets | -1.1749% | 6,906 |
| Return on Equity (ROE) | -32.6683% | 7,073 |
| Retained earnings to average equity (ytd only) | -32.6683% | 7,065 |
| Net charge-offs to loans | 3.0174% | 180 |
| Credit loss provision to net charge-offs | 59.7262% | 4,150 |
| Earnings coverage of net charge-offs (x) | -0.0810% | 5,367 |
| Efficiency ratio | 101.3953% | 502 |
| Assets per employee ($millions) | 3.2398% | 5,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9407% | 326 |
| Loan loss allowance to noncurrent loans | 33.5132% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 10.5048% | 215 |
| Noncurrent loans to loans | 11.7587% | 176 |
| Net loans and leases to total assets | 60.2052% | 3,736 |
| Net loans and leases to deposits | 64.1633% | 4,691 |
| Net loans and leases to core deposits | 75.3235% | 3,811 |
| Total domestic deposits to total assets | 93.8312% | 73 |
| Equity capital to assets | 3.4811% | 7,116 |
| Core capital (leverage) ratio | 3.0153% | 7,130 |
| Tier 1 risk-based capital ratio | 4.6434% | 7,126 |
| Total risk-based capital ratio | 5.9233% | 7,127 |
| Memoranda: | ||
| Average total assets | $820,115,000 | 810 |
| Average earning assets | $730,953,000 | 824 |
| Average equity | $29,495,750 | 2,299 |
| Average total loans | $506,773,500 | 824 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0923% | 5,343 |
| Cost of funding earning assets | 1.2717% | 594 |
| Net interest margin | 2.8205% | 6,542 |
| Noninterest income to average assets | 1.2747% | 877 |
| Noninterest expense to average assets | 3.8878% | 1,092 |
| Loan and lease loss provision to assets | 0.9454% | 480 |
| Net operating income to assets | -1.0393% | 6,923 |
| Return on assets (ROA) | -1.0393% | 6,938 |
| Pretax return on assets | -1.0393% | 6,907 |
| Return on Equity (ROE) | -28.6275% | 7,089 |
| Retained earnings to average equity (ytd only) | -28.6275% | 7,077 |
| Net charge-offs to loans | 2.9295% | 203 |
| Credit loss provision to net charge-offs | 52.4453% | 3,986 |
| Earnings coverage of net charge-offs (x) | -0.0521% | 5,107 |
| Efficiency ratio | 99.9252% | 564 |
| Assets per employee ($millions) | 3.4650% | 5,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9149% | 363 |
| Loan loss allowance to noncurrent loans | 34.7429% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 9.5770% | 294 |
| Noncurrent loans to loans | 11.2682% | 200 |
| Net loans and leases to total assets | 58.2209% | 4,123 |
| Net loans and leases to deposits | 61.9555% | 4,998 |
| Net loans and leases to core deposits | 72.7840% | 4,198 |
| Total domestic deposits to total assets | 93.9721% | 81 |
| Equity capital to assets | 3.5634% | 7,157 |
| Core capital (leverage) ratio | 3.1537% | 7,169 |
| Tier 1 risk-based capital ratio | 5.0022% | 7,163 |
| Total risk-based capital ratio | 6.2833% | 7,163 |
| Memoranda: | ||
| Average total assets | $846,183,000 | 785 |
| Average earning assets | $755,812,670 | 796 |
| Average equity | $30,718,670 | 2,220 |
| Average total loans | $520,700,330 | 794 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9902% | 5,794 |
| Cost of funding earning assets | 1.3342% | 548 |
| Net interest margin | 2.6559% | 6,827 |
| Noninterest income to average assets | 1.5571% | 598 |
| Noninterest expense to average assets | 3.8500% | 1,134 |
| Loan and lease loss provision to assets | 1.3919% | 264 |
| Net operating income to assets | -1.3139% | 7,053 |
| Return on assets (ROA) | -1.3139% | 7,068 |
| Pretax return on assets | -1.3139% | 7,045 |
| Return on Equity (ROE) | -35.8822% | 7,187 |
| Retained earnings to average equity (ytd only) | -35.8822% | 7,167 |
| Net charge-offs to loans | 2.6230% | 305 |
| Credit loss provision to net charge-offs | 85.6164% | 2,629 |
| Earnings coverage of net charge-offs (x) | 0.0479% | 4,344 |
| Efficiency ratio | 95.6060% | 741 |
| Assets per employee ($millions) | 2.8074% | 6,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3389% | 277 |
| Loan loss allowance to noncurrent loans | 29.3274% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 12.1010% | 200 |
| Noncurrent loans to loans | 14.7947% | 126 |
| Net loans and leases to total assets | 57.5878% | 4,113 |
| Net loans and leases to deposits | 62.6430% | 4,816 |
| Net loans and leases to core deposits | 73.1623% | 3,995 |
| Total domestic deposits to total assets | 91.9301% | 273 |
| Equity capital to assets | 3.4988% | 7,213 |
| Core capital (leverage) ratio | 3.1615% | 7,225 |
| Tier 1 risk-based capital ratio | 4.9932% | 7,214 |
| Total risk-based capital ratio | 6.2789% | 7,215 |
| Memoranda: | ||
| Average total assets | $862,135,500 | 770 |
| Average earning assets | $769,594,000 | 784 |
| Average equity | $31,570,000 | 2,174 |
| Average total loans | $534,352,500 | 778 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 5,884 |
| Cost of funding earning assets | 1.3473% | 1,253 |
| Net interest margin | 2.9131% | 6,667 |
| Noninterest income to average assets | 1.4257% | 640 |
| Noninterest expense to average assets | 3.5535% | 1,851 |
| Loan and lease loss provision to assets | 2.0492% | 281 |
| Net operating income to assets | -1.5837% | 6,925 |
| Return on assets (ROA) | -1.3575% | 6,890 |
| Pretax return on assets | -1.3361% | 6,854 |
| Return on Equity (ROE) | -29.8490% | 7,091 |
| Retained earnings to average equity (ytd only) | -29.8490% | 7,084 |
| Net charge-offs to loans | 4.3389% | 120 |
| Credit loss provision to net charge-offs | 72.3286% | 4,763 |
| Earnings coverage of net charge-offs (x) | 0.1719% | 5,709 |
| Efficiency ratio | 85.0712% | 1,663 |
| Assets per employee ($millions) | 2.6139% | 6,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1598% | 338 |
| Loan loss allowance to noncurrent loans | 28.4653% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 11.8177% | 219 |
| Noncurrent loans to loans | 14.6134% | 135 |
| Net loans and leases to total assets | 61.0960% | 3,760 |
| Net loans and leases to deposits | 66.6839% | 4,639 |
| Net loans and leases to core deposits | 78.7510% | 3,597 |
| Total domestic deposits to total assets | 91.6203% | 299 |
| Equity capital to assets | 3.8237% | 7,232 |
| Core capital (leverage) ratio | 3.3209% | 7,250 |
| Tier 1 risk-based capital ratio | 5.2431% | 7,235 |
| Total risk-based capital ratio | 6.5277% | 7,236 |
| Memoranda: | ||
| Average total assets | $915,980,200 | 714 |
| Average earning assets | $822,140,800 | 720 |
| Average equity | $41,656,400 | 1,612 |
| Average total loans | $598,101,600 | 698 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 6,033 |
| Cost of funding earning assets | 1.3471% | 1,467 |
| Net interest margin | 2.9212% | 6,723 |
| Noninterest income to average assets | 1.3392% | 729 |
| Noninterest expense to average assets | 3.4203% | 2,140 |
| Loan and lease loss provision to assets | 1.1486% | 695 |
| Net operating income to assets | -0.6347% | 6,719 |
| Return on assets (ROA) | -0.5536% | 6,713 |
| Pretax return on assets | -0.5255% | 6,636 |
| Return on Equity (ROE) | -11.7380% | 6,943 |
| Retained earnings to average equity (ytd only) | -11.7380% | 6,911 |
| Net charge-offs to loans | 3.3017% | 253 |
| Credit loss provision to net charge-offs | 52.9836% | 4,969 |
| Earnings coverage of net charge-offs (x) | 0.2500% | 5,410 |
| Efficiency ratio | 83.4263% | 1,800 |
| Assets per employee ($millions) | 2.7372% | 6,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9473% | 407 |
| Loan loss allowance to noncurrent loans | 26.1657% | 6,442 |
| Noncurrent assets plus other real estate owned to assets | 12.0071% | 228 |
| Noncurrent loans to loans | 15.0859% | 135 |
| Net loans and leases to total assets | 62.5977% | 3,588 |
| Net loans and leases to deposits | 68.9597% | 4,455 |
| Net loans and leases to core deposits | 81.2750% | 3,445 |
| Total domestic deposits to total assets | 90.7743% | 526 |
| Equity capital to assets | 4.7477% | 7,280 |
| Core capital (leverage) ratio | 4.2456% | 7,285 |
| Tier 1 risk-based capital ratio | 6.3911% | 7,278 |
| Total risk-based capital ratio | 7.6735% | 7,278 |
| Memoranda: | ||
| Average total assets | $928,674,750 | 709 |
| Average earning assets | $833,872,500 | 717 |
| Average equity | $43,799,750 | 1,550 |
| Average total loans | $609,740,250 | 692 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4849% | 5,401 |
| Cost of funding earning assets | 1.3639% | 1,580 |
| Net interest margin | 3.1210% | 6,368 |
| Noninterest income to average assets | 1.3695% | 679 |
| Noninterest expense to average assets | 3.2393% | 2,769 |
| Loan and lease loss provision to assets | 1.2980% | 571 |
| Net operating income to assets | -0.3713% | 6,592 |
| Return on assets (ROA) | -0.2815% | 6,574 |
| Pretax return on assets | -0.2815% | 6,519 |
| Return on Equity (ROE) | -5.9817% | 6,773 |
| Retained earnings to average equity (ytd only) | -5.9817% | 6,650 |
| Net charge-offs to loans | 3.8018% | 226 |
| Credit loss provision to net charge-offs | 51.8796% | 4,537 |
| Earnings coverage of net charge-offs (x) | 0.3704% | 5,027 |
| Efficiency ratio | 75.0332% | 3,170 |
| Assets per employee ($millions) | 2.7497% | 6,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0782% | 397 |
| Loan loss allowance to noncurrent loans | 33.4894% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 9.9679% | 392 |
| Noncurrent loans to loans | 12.1777% | 242 |
| Net loans and leases to total assets | 62.1005% | 3,868 |
| Net loans and leases to deposits | 68.2742% | 4,661 |
| Net loans and leases to core deposits | 84.7161% | 3,114 |
| Total domestic deposits to total assets | 90.9575% | 515 |
| Equity capital to assets | 4.7881% | 7,334 |
| Core capital (leverage) ratio | 4.3995% | 7,348 |
| Tier 1 risk-based capital ratio | 6.5818% | 7,333 |
| Total risk-based capital ratio | 7.8658% | 7,337 |
| Memoranda: | ||
| Average total assets | $939,882,330 | 714 |
| Average earning assets | $842,163,000 | 717 |
| Average equity | $44,235,000 | 1,520 |
| Average total loans | $618,551,330 | 691 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5624% | 5,115 |
| Cost of funding earning assets | 1.3878% | 1,677 |
| Net interest margin | 3.1746% | 6,154 |
| Noninterest income to average assets | 1.4415% | 613 |
| Noninterest expense to average assets | 3.5461% | 1,884 |
| Loan and lease loss provision to assets | 1.2340% | 563 |
| Net operating income to assets | -0.5012% | 6,806 |
| Return on assets (ROA) | -0.3229% | 6,690 |
| Pretax return on assets | -0.3229% | 6,635 |
| Return on Equity (ROE) | -6.9190% | 6,913 |
| Retained earnings to average equity (ytd only) | -6.9190% | 6,673 |
| Net charge-offs to loans | 4.1149% | 216 |
| Credit loss provision to net charge-offs | 45.2082% | 3,849 |
| Earnings coverage of net charge-offs (x) | 0.2685% | 4,409 |
| Efficiency ratio | 80.2272% | 2,486 |
| Assets per employee ($millions) | 2.7525% | 6,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3222% | 343 |
| Loan loss allowance to noncurrent loans | 43.6707% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 8.5802% | 528 |
| Noncurrent loans to loans | 9.8972% | 410 |
| Net loans and leases to total assets | 63.0693% | 3,636 |
| Net loans and leases to deposits | 69.3269% | 4,460 |
| Net loans and leases to core deposits | 90.3464% | 2,311 |
| Total domestic deposits to total assets | 90.9738% | 640 |
| Equity capital to assets | 4.6425% | 7,396 |
| Core capital (leverage) ratio | 4.3003% | 7,407 |
| Tier 1 risk-based capital ratio | 6.4654% | 7,405 |
| Total risk-based capital ratio | 7.7522% | 7,404 |
| Memoranda: | ||
| Average total assets | $946,501,000 | 713 |
| Average earning assets | $845,958,500 | 717 |
| Average equity | $44,168,000 | 1,509 |
| Average total loans | $627,868,500 | 687 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2479% | 3,371 |
| Cost of funding earning assets | 1.7091% | 1,559 |
| Net interest margin | 3.5387% | 5,083 |
| Noninterest income to average assets | 1.6264% | 556 |
| Noninterest expense to average assets | 4.7768% | 512 |
| Loan and lease loss provision to assets | 5.0317% | 74 |
| Net operating income to assets | -4.7199% | 7,514 |
| Return on assets (ROA) | -4.3504% | 7,493 |
| Pretax return on assets | -4.6368% | 7,515 |
| Return on Equity (ROE) | -56.4384% | 7,461 |
| Retained earnings to average equity (ytd only) | -56.4384% | 7,459 |
| Net charge-offs to loans | 4.2383% | 273 |
| Credit loss provision to net charge-offs | 168.0086% | 2,022 |
| Earnings coverage of net charge-offs (x) | 0.0006% | 6,129 |
| Efficiency ratio | 75.5945% | 3,111 |
| Assets per employee ($millions) | 2.6964% | 6,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7021% | 241 |
| Loan loss allowance to noncurrent loans | 50.7036% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 7.9189% | 633 |
| Noncurrent loans to loans | 9.2737% | 486 |
| Net loans and leases to total assets | 63.6032% | 3,951 |
| Net loans and leases to deposits | 70.3031% | 4,780 |
| Net loans and leases to core deposits | 96.3729% | 1,961 |
| Total domestic deposits to total assets | 90.4701% | 851 |
| Equity capital to assets | 4.6898% | 7,459 |
| Core capital (leverage) ratio | 4.2875% | 7,478 |
| Tier 1 risk-based capital ratio | 6.3715% | 7,465 |
| Total risk-based capital ratio | 7.6637% | 7,464 |
| Memoranda: | ||
| Average total assets | $966,264,600 | 691 |
| Average earning assets | $860,732,400 | 701 |
| Average equity | $74,481,200 | 887 |
| Average total loans | $682,793,600 | 643 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3311% | 3,209 |
| Cost of funding earning assets | 1.7740% | 1,532 |
| Net interest margin | 3.5571% | 5,075 |
| Noninterest income to average assets | 1.7242% | 481 |
| Noninterest expense to average assets | 3.6874% | 1,593 |
| Loan and lease loss provision to assets | 4.9348% | 93 |
| Net operating income to assets | -3.2893% | 7,488 |
| Return on assets (ROA) | -2.8287% | 7,432 |
| Pretax return on assets | -3.2100% | 7,462 |
| Return on Equity (ROE) | -33.4501% | 7,437 |
| Retained earnings to average equity (ytd only) | -33.4501% | 7,432 |
| Net charge-offs to loans | 4.3411% | 251 |
| Credit loss provision to net charge-offs | 158.6870% | 2,399 |
| Earnings coverage of net charge-offs (x) | 0.3863% | 5,640 |
| Efficiency ratio | 72.9063% | 3,543 |
| Assets per employee ($millions) | 2.6225% | 6,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5045% | 537 |
| Loan loss allowance to noncurrent loans | 37.5333% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 8.0563% | 623 |
| Noncurrent loans to loans | 9.3371% | 490 |
| Net loans and leases to total assets | 68.5245% | 3,089 |
| Net loans and leases to deposits | 77.8673% | 3,852 |
| Net loans and leases to core deposits | 110.5348% | 1,010 |
| Total domestic deposits to total assets | 88.0016% | 1,957 |
| Equity capital to assets | 7.0847% | 7,313 |
| Core capital (leverage) ratio | 5.5032% | 7,497 |
| Tier 1 risk-based capital ratio | 7.6216% | 7,508 |
| Total risk-based capital ratio | 8.8990% | 7,507 |
| Memoranda: | ||
| Average total assets | $967,855,500 | 684 |
| Average earning assets | $861,064,250 | 700 |
| Average equity | $81,847,250 | 806 |
| Average total loans | $693,329,000 | 630 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6808% | 1,833 |
| Cost of funding earning assets | 1.7786% | 1,727 |
| Net interest margin | 3.9023% | 3,436 |
| Noninterest income to average assets | 1.7220% | 446 |
| Noninterest expense to average assets | 3.8419% | 1,282 |
| Loan and lease loss provision to assets | 3.3877% | 263 |
| Net operating income to assets | -1.2333% | 7,047 |
| Return on assets (ROA) | -0.8934% | 6,919 |
| Pretax return on assets | -1.5001% | 7,075 |
| Return on Equity (ROE) | -10.0336% | 6,969 |
| Retained earnings to average equity (ytd only) | -10.0336% | 6,918 |
| Net charge-offs to loans | 3.6664% | 386 |
| Credit loss provision to net charge-offs | 128.6205% | 3,126 |
| Earnings coverage of net charge-offs (x) | 0.5151% | 5,212 |
| Efficiency ratio | 71.5556% | 3,888 |
| Assets per employee ($millions) | 2.5229% | 7,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0445% | 2,080 |
| Loan loss allowance to noncurrent loans | 79.1996% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 2.7713% | 2,609 |
| Noncurrent loans to loans | 2.5814% | 3,055 |
| Net loans and leases to total assets | 72.4297% | 2,291 |
| Net loans and leases to deposits | 84.5728% | 2,781 |
| Net loans and leases to core deposits | 113.5282% | 940 |
| Total domestic deposits to total assets | 85.6418% | 3,290 |
| Equity capital to assets | 8.9765% | 5,489 |
| Core capital (leverage) ratio | 7.1101% | 7,121 |
| Tier 1 risk-based capital ratio | 9.6393% | 7,204 |
| Total risk-based capital ratio | 10.8985% | 7,197 |
| Memoranda: | ||
| Average total assets | $973,156,000 | 678 |
| Average earning assets | $866,985,330 | 692 |
| Average equity | $86,648,670 | 755 |
| Average total loans | $699,101,000 | 629 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5458% | 2,382 |
| Cost of funding earning assets | 1.8102% | 1,836 |
| Net interest margin | 3.7356% | 4,078 |
| Noninterest income to average assets | 1.6709% | 454 |
| Noninterest expense to average assets | 3.7083% | 1,499 |
| Loan and lease loss provision to assets | 2.0342% | 544 |
| Net operating income to assets | -0.3928% | 6,755 |
| Return on assets (ROA) | 0.0153% | 6,355 |
| Pretax return on assets | -0.0874% | 6,452 |
| Return on Equity (ROE) | 0.1726% | 6,355 |
| Retained earnings to average equity (ytd only) | 0.1726% | 5,750 |
| Net charge-offs to loans | 2.8661% | 549 |
| Credit loss provision to net charge-offs | 100.1785% | 3,381 |
| Earnings coverage of net charge-offs (x) | 0.6447% | 4,451 |
| Efficiency ratio | 71.5318% | 4,018 |
| Assets per employee ($millions) | 2.7283% | 6,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4805% | 4,007 |
| Loan loss allowance to noncurrent loans | 52.7506% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 2.5590% | 2,838 |
| Noncurrent loans to loans | 2.8067% | 2,855 |
| Net loans and leases to total assets | 69.2740% | 3,092 |
| Net loans and leases to deposits | 82.0342% | 3,278 |
| Net loans and leases to core deposits | 111.9852% | 1,166 |
| Total domestic deposits to total assets | 84.4453% | 3,919 |
| Equity capital to assets | 8.7187% | 5,703 |
| Core capital (leverage) ratio | 7.3018% | 7,028 |
| Tier 1 risk-based capital ratio | 9.8302% | 7,131 |
| Total risk-based capital ratio | 11.0824% | 7,129 |
| Memoranda: | ||
| Average total assets | $993,006,500 | 680 |
| Average earning assets | $889,614,000 | 688 |
| Average equity | $88,077,000 | 747 |
| Average total loans | $703,546,500 | 644 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9309% | 2,128 |
| Cost of funding earning assets | 2.0974% | 2,470 |
| Net interest margin | 3.8335% | 3,560 |
| Noninterest income to average assets | 1.8586% | 430 |
| Noninterest expense to average assets | 3.7414% | 1,818 |
| Loan and lease loss provision to assets | 1.1042% | 2,067 |
| Net operating income to assets | 0.3673% | 4,261 |
| Return on assets (ROA) | 0.4695% | 3,974 |
| Pretax return on assets | 0.5830% | 3,953 |
| Return on Equity (ROE) | 5.1738% | 3,592 |
| Retained earnings to average equity (ytd only) | 5.1738% | 1,729 |
| Net charge-offs to loans | 1.0958% | 2,227 |
| Credit loss provision to net charge-offs | 142.4764% | 3,389 |
| Earnings coverage of net charge-offs (x) | 2.0141% | 4,214 |
| Efficiency ratio | 68.3253% | 4,955 |
| Assets per employee ($millions) | 2.6831% | 6,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 3,778 |
| Loan loss allowance to noncurrent loans | 194.9776% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 1.0889% | 4,914 |
| Noncurrent loans to loans | 0.7639% | 5,739 |
| Net loans and leases to total assets | 70.3338% | 3,174 |
| Net loans and leases to deposits | 83.8229% | 3,310 |
| Net loans and leases to core deposits | 108.3970% | 3,060 |
| Total domestic deposits to total assets | 83.9075% | 4,067 |
| Equity capital to assets | 9.0241% | 5,107 |
| Core capital (leverage) ratio | 7.4482% | 6,836 |
| Tier 1 risk-based capital ratio | 9.7915% | 7,027 |
| Total risk-based capital ratio | 11.0436% | 7,011 |
| Memoranda: | ||
| Average total assets | $914,978,000 | 739 |
| Average earning assets | $821,937,000 | 742 |
| Average equity | $83,034,000 | 778 |
| Average total loans | $647,136,200 | 727 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9151% | 2,382 |
| Cost of funding earning assets | 2.1273% | 2,762 |
| Net interest margin | 3.7877% | 3,711 |
| Noninterest income to average assets | 1.8817% | 421 |
| Noninterest expense to average assets | 3.8916% | 1,443 |
| Loan and lease loss provision to assets | 0.9944% | 1,926 |
| Net operating income to assets | 0.2699% | 4,903 |
| Return on assets (ROA) | 0.3859% | 4,557 |
| Pretax return on assets | 0.5716% | 4,292 |
| Return on Equity (ROE) | 4.2463% | 4,273 |
| Retained earnings to average equity (ytd only) | 4.2463% | 2,899 |
| Net charge-offs to loans | 1.0172% | 1,937 |
| Credit loss provision to net charge-offs | 138.5809% | 3,573 |
| Earnings coverage of net charge-offs (x) | 1.9446% | 4,358 |
| Efficiency ratio | 71.4631% | 4,335 |
| Assets per employee ($millions) | 2.7368% | 6,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 4,520 |
| Loan loss allowance to noncurrent loans | 283.3283% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.7161% | 5,694 |
| Noncurrent loans to loans | 0.4579% | 6,403 |
| Net loans and leases to total assets | 71.5772% | 3,136 |
| Net loans and leases to deposits | 85.3128% | 3,449 |
| Net loans and leases to core deposits | 107.1510% | 3,574 |
| Total domestic deposits to total assets | 83.8998% | 3,764 |
| Equity capital to assets | 8.8264% | 5,744 |
| Core capital (leverage) ratio | 7.1330% | 7,329 |
| Tier 1 risk-based capital ratio | 9.4348% | 7,417 |
| Total risk-based capital ratio | 10.6848% | 7,381 |
| Memoranda: | ||
| Average total assets | $898,219,500 | 763 |
| Average earning assets | $807,497,500 | 769 |
| Average equity | $81,638,000 | 800 |
| Average total loans | $633,638,000 | 755 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7916% | 3,089 |
| Cost of funding earning assets | 2.0778% | 3,379 |
| Net interest margin | 3.7138% | 3,894 |
| Noninterest income to average assets | 1.8989% | 406 |
| Noninterest expense to average assets | 3.8989% | 1,486 |
| Loan and lease loss provision to assets | 0.5021% | 3,025 |
| Net operating income to assets | 0.5444% | 3,907 |
| Return on assets (ROA) | 0.5526% | 3,988 |
| Pretax return on assets | 0.8308% | 3,568 |
| Return on Equity (ROE) | 6.0138% | 3,639 |
| Retained earnings to average equity (ytd only) | 6.0138% | 2,017 |
| Net charge-offs to loans | 0.3346% | 3,502 |
| Credit loss provision to net charge-offs | 214.9901% | 2,138 |
| Earnings coverage of net charge-offs (x) | 5.6548% | 2,790 |
| Efficiency ratio | 72.7461% | 4,258 |
| Assets per employee ($millions) | 2.7227% | 6,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 4,761 |
| Loan loss allowance to noncurrent loans | 437.0615% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.6063% | 5,906 |
| Noncurrent loans to loans | 0.2809% | 6,817 |
| Net loans and leases to total assets | 69.4111% | 3,845 |
| Net loans and leases to deposits | 84.2965% | 3,825 |
| Net loans and leases to core deposits | 102.1311% | 4,276 |
| Total domestic deposits to total assets | 82.3416% | 4,549 |
| Equity capital to assets | 8.5845% | 5,922 |
| Core capital (leverage) ratio | 8.0270% | 6,278 |
| Tier 1 risk-based capital ratio | 9.0690% | 7,659 |
| Total risk-based capital ratio | 10.2104% | 7,740 |
| Memoranda: | ||
| Average total assets | $868,303,330 | 811 |
| Average earning assets | $776,399,330 | 824 |
| Average equity | $79,783,330 | 829 |
| Average total loans | $606,032,000 | 809 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8912% | 2,844 |
| Cost of funding earning assets | 2.1800% | 3,263 |
| Net interest margin | 3.7111% | 3,844 |
| Noninterest income to average assets | 1.9746% | 373 |
| Noninterest expense to average assets | 3.8876% | 1,321 |
| Loan and lease loss provision to assets | 0.3233% | 3,385 |
| Net operating income to assets | 0.7186% | 3,466 |
| Return on assets (ROA) | 0.7356% | 3,596 |
| Pretax return on assets | 1.1146% | 2,938 |
| Return on Equity (ROE) | 7.6929% | 3,285 |
| Retained earnings to average equity (ytd only) | 7.6929% | 1,930 |
| Net charge-offs to loans | 0.2619% | 3,086 |
| Credit loss provision to net charge-offs | 177.5956% | 2,441 |
| Earnings coverage of net charge-offs (x) | 7.7568% | 2,301 |
| Efficiency ratio | 71.2811% | 4,313 |
| Assets per employee ($millions) | 2.4913% | 7,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 3,874 |
| Loan loss allowance to noncurrent loans | 220.2398% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.8083% | 5,156 |
| Noncurrent loans to loans | 0.6069% | 5,879 |
| Net loans and leases to total assets | 67.8294% | 4,181 |
| Net loans and leases to deposits | 83.3794% | 4,077 |
| Net loans and leases to core deposits | 94.9317% | 5,067 |
| Total domestic deposits to total assets | 81.3503% | 4,814 |
| Equity capital to assets | 10.1383% | 3,840 |
| Core capital (leverage) ratio | 8.5959% | 5,351 |
| Tier 1 risk-based capital ratio | 11.1538% | 5,756 |
| Total risk-based capital ratio | 12.4039% | 5,672 |
| Memoranda: | ||
| Average total assets | $804,202,000 | 875 |
| Average earning assets | $720,535,000 | 887 |
| Average equity | $76,902,500 | 859 |
| Average total loans | $558,906,500 | 904 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1387% | 836 |
| Cost of funding earning assets | 2.5455% | 3,975 |
| Net interest margin | 4.5932% | 1,201 |
| Noninterest income to average assets | 2.4021% | 268 |
| Noninterest expense to average assets | 4.5654% | 835 |
| Loan and lease loss provision to assets | 0.4736% | 2,930 |
| Net operating income to assets | 0.9688% | 2,699 |
| Return on assets (ROA) | 0.9828% | 2,508 |
| Pretax return on assets | 1.4235% | 1,898 |
| Return on Equity (ROE) | 10.4312% | 2,111 |
| Retained earnings to average equity (ytd only) | 8.9126% | 623 |
| Net charge-offs to loans | 0.3729% | 2,974 |
| Credit loss provision to net charge-offs | 182.6711% | 2,729 |
| Earnings coverage of net charge-offs (x) | 7.2390% | 3,155 |
| Efficiency ratio | 68.9432% | 4,552 |
| Assets per employee ($millions) | 2.1239% | 7,796 |
| Cash dividends to net income (ytd only)* | 14.5582% | 4,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 3,338 |
| Loan loss allowance to noncurrent loans | 159.8065% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.9115% | 4,562 |
| Noncurrent loans to loans | 0.8601% | 4,902 |
| Net loans and leases to total assets | 69.3507% | 4,180 |
| Net loans and leases to deposits | 84.7704% | 4,297 |
| Net loans and leases to core deposits | 97.6527% | 5,080 |
| Total domestic deposits to total assets | 81.8100% | 4,273 |
| Equity capital to assets | 8.9340% | 5,458 |
| Core capital (leverage) ratio | 7.2344% | 7,490 |
| Tier 1 risk-based capital ratio | 9.1511% | 7,664 |
| Total risk-based capital ratio | 10.4015% | 7,631 |
| Memoranda: | ||
| Average total assets | $698,887,200 | 961 |
| Average earning assets | $614,734,400 | 984 |
| Average equity | $65,850,400 | 1,014 |
| Average total loans | $485,972,400 | 985 |