Home > TOWN SQUARE BANK > Performance and Condition Ratios
TOWN SQUARE BANK, Performance and Condition Ratios
| 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 | 4.4771% | 2,373 |
| Cost of funding earning assets | 0.7177% | 1,759 |
| Net interest margin | 3.7594% | 2,793 |
| Noninterest income to average assets | 0.6443% | 2,103 |
| Noninterest expense to average assets | 2.8372% | 2,505 |
| Loan and lease loss provision to assets | 0.3988% | 317 |
| Net operating income to assets | 0.7336% | 4,127 |
| Return on assets (ROA) | 0.7336% | 4,137 |
| Pretax return on assets | 0.9039% | 4,008 |
| Return on Equity (ROE) | 5.8022% | 4,321 |
| Retained earnings to average equity (ytd only) | 5.8022% | 2,755 |
| Net charge-offs to loans | 1.1770% | 115 |
| Credit loss provision to net charge-offs | 46.1459% | 2,862 |
| Earnings coverage of net charge-offs (x) | 1.5074% | 3,343 |
| Efficiency ratio | 68.5331% | 2,436 |
| Assets per employee ($millions) | 4.3628% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 3,896 |
| Loan loss allowance to noncurrent loans | 47.9656% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 1.6580% | 749 |
| Noncurrent loans to loans | 2.0422% | 709 |
| Net loans and leases to total assets | 71.6681% | 2,378 |
| Net loans and leases to deposits | 85.8857% | 2,383 |
| Net loans and leases to core deposits | 90.7189% | 2,595 |
| Total domestic deposits to total assets | 83.4459% | 3,144 |
| Equity capital to assets | 13.0571% | 1,311 |
| Core capital (leverage) ratio | 12.8116% | 1,361 |
| Tier 1 risk-based capital ratio | 18.9620% | 1,545 |
| Total risk-based capital ratio | 20.0608% | 1,557 |
| Memoranda: | ||
| Average total assets | $446,343,250 | 1,553 |
| Average earning assets | $415,016,500 | 1,552 |
| Average equity | $56,437,000 | 1,396 |
| Average total loans | $327,727,000 | 1,486 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4447% | 2,274 |
| Cost of funding earning assets | 0.7006% | 1,620 |
| Net interest margin | 3.7441% | 2,773 |
| Noninterest income to average assets | 0.5983% | 2,329 |
| Noninterest expense to average assets | 2.8833% | 2,397 |
| Loan and lease loss provision to assets | 0.5203% | 218 |
| Net operating income to assets | 0.5551% | 4,620 |
| Return on assets (ROA) | 0.5551% | 4,620 |
| Pretax return on assets | 0.6760% | 4,565 |
| Return on Equity (ROE) | 4.4372% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.4372% | 3,376 |
| Net charge-offs to loans | 0.7772% | 179 |
| Credit loss provision to net charge-offs | 90.7393% | 2,150 |
| Earnings coverage of net charge-offs (x) | 2.0864% | 2,998 |
| Efficiency ratio | 70.6770% | 2,217 |
| Assets per employee ($millions) | 4.1851% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 1,742 |
| Loan loss allowance to noncurrent loans | 59.1369% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.8865% | 587 |
| Noncurrent loans to loans | 2.3672% | 564 |
| Net loans and leases to total assets | 71.7717% | 2,313 |
| Net loans and leases to deposits | 85.6385% | 2,357 |
| Net loans and leases to core deposits | 90.0128% | 2,566 |
| Total domestic deposits to total assets | 83.8078% | 3,129 |
| Equity capital to assets | 12.6254% | 1,475 |
| Core capital (leverage) ratio | 12.3888% | 1,494 |
| Tier 1 risk-based capital ratio | 16.9844% | 2,105 |
| Total risk-based capital ratio | 18.2367% | 2,047 |
| Memoranda: | ||
| Average total assets | $448,244,000 | 1,557 |
| Average earning assets | $416,762,330 | 1,552 |
| Average equity | $56,071,000 | 1,397 |
| Average total loans | $330,661,670 | 1,481 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4381% | 2,060 |
| Cost of funding earning assets | 0.6794% | 1,545 |
| Net interest margin | 3.7587% | 2,584 |
| Noninterest income to average assets | 0.5780% | 2,374 |
| Noninterest expense to average assets | 3.2279% | 1,508 |
| Loan and lease loss provision to assets | 0.4433% | 241 |
| Net operating income to assets | 0.3380% | 5,033 |
| Return on assets (ROA) | 0.3380% | 5,036 |
| Pretax return on assets | 0.4005% | 5,037 |
| Return on Equity (ROE) | 2.7150% | 5,070 |
| Retained earnings to average equity (ytd only) | 2.7150% | 4,090 |
| Net charge-offs to loans | 0.2847% | 539 |
| Credit loss provision to net charge-offs | 209.7046% | 1,018 |
| Earnings coverage of net charge-offs (x) | 3.9916% | 2,340 |
| Efficiency ratio | 79.2771% | 1,227 |
| Assets per employee ($millions) | 4.1299% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 1,506 |
| Loan loss allowance to noncurrent loans | 64.4665% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.7980% | 680 |
| Noncurrent loans to loans | 2.3053% | 623 |
| Net loans and leases to total assets | 72.7727% | 2,052 |
| Net loans and leases to deposits | 86.5872% | 2,091 |
| Net loans and leases to core deposits | 90.9849% | 2,376 |
| Total domestic deposits to total assets | 84.0456% | 3,312 |
| Equity capital to assets | 12.3801% | 1,562 |
| Core capital (leverage) ratio | 12.2917% | 1,482 |
| Tier 1 risk-based capital ratio | 17.8452% | 1,879 |
| Total risk-based capital ratio | 19.1000% | 1,826 |
| Memoranda: | ||
| Average total assets | $448,464,500 | 1,572 |
| Average earning assets | $416,842,000 | 1,565 |
| Average equity | $55,838,000 | 1,408 |
| Average total loans | $333,013,000 | 1,475 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4636% | 1,835 |
| Cost of funding earning assets | 0.6355% | 1,381 |
| Net interest margin | 3.8281% | 2,326 |
| Noninterest income to average assets | 0.5844% | 2,528 |
| Noninterest expense to average assets | 3.3560% | 1,279 |
| Loan and lease loss provision to assets | 0.5782% | 221 |
| Net operating income to assets | 0.0177% | 5,344 |
| Return on assets (ROA) | 0.0177% | 5,343 |
| Pretax return on assets | 0.2125% | 5,301 |
| Return on Equity (ROE) | 0.1269% | 5,344 |
| Retained earnings to average equity (ytd only) | -9.2741% | 5,519 |
| Net charge-offs to loans | 0.3482% | 734 |
| Credit loss provision to net charge-offs | 223.1419% | 1,233 |
| Earnings coverage of net charge-offs (x) | 3.0515% | 3,656 |
| Efficiency ratio | 80.9310% | 1,021 |
| Assets per employee ($millions) | 4.1085% | 3,799 |
| Cash dividends to net income (ytd only)* | 7,407.4074% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 3,108 |
| Loan loss allowance to noncurrent loans | 59.8930% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.8190% | 675 |
| Noncurrent loans to loans | 1.9065% | 815 |
| Net loans and leases to total assets | 73.6185% | 1,981 |
| Net loans and leases to deposits | 88.0552% | 2,011 |
| Net loans and leases to core deposits | 92.4684% | 2,329 |
| Total domestic deposits to total assets | 83.6050% | 3,353 |
| Equity capital to assets | 13.0314% | 1,252 |
| Core capital (leverage) ratio | 12.4596% | 1,377 |
| Tier 1 risk-based capital ratio | 18.7442% | 1,573 |
| Total risk-based capital ratio | 19.9946% | 1,531 |
| Memoranda: | ||
| Average total assets | $456,912,400 | 1,524 |
| Average earning assets | $425,192,600 | 1,516 |
| Average equity | $63,823,000 | 1,241 |
| Average total loans | $340,014,600 | 1,411 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4424% | 1,814 |
| Cost of funding earning assets | 0.6207% | 1,401 |
| Net interest margin | 3.8217% | 2,309 |
| Noninterest income to average assets | 0.5903% | 2,533 |
| Noninterest expense to average assets | 3.1406% | 1,697 |
| Loan and lease loss provision to assets | 0.4779% | 249 |
| Net operating income to assets | 0.3842% | 5,025 |
| Return on assets (ROA) | 0.3842% | 5,057 |
| Pretax return on assets | 0.5314% | 4,972 |
| Return on Equity (ROE) | 2.7059% | 5,173 |
| Retained earnings to average equity (ytd only) | 2.7059% | 4,276 |
| Net charge-offs to loans | 0.3161% | 663 |
| Credit loss provision to net charge-offs | 203.2099% | 1,331 |
| Earnings coverage of net charge-offs (x) | 4.2914% | 3,246 |
| Efficiency ratio | 75.6787% | 1,641 |
| Assets per employee ($millions) | 4.2617% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 4,382 |
| Loan loss allowance to noncurrent loans | 70.8157% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.3816% | 1,136 |
| Noncurrent loans to loans | 1.3255% | 1,437 |
| Net loans and leases to total assets | 73.0537% | 2,087 |
| Net loans and leases to deposits | 89.6137% | 1,853 |
| Net loans and leases to core deposits | 94.0939% | 2,270 |
| Total domestic deposits to total assets | 81.5207% | 3,913 |
| Equity capital to assets | 14.3295% | 904 |
| Core capital (leverage) ratio | 13.9878% | 891 |
| Tier 1 risk-based capital ratio | 20.6430% | 1,255 |
| Total risk-based capital ratio | 21.6971% | 1,258 |
| Memoranda: | ||
| Average total assets | $459,184,000 | 1,528 |
| Average earning assets | $427,683,500 | 1,526 |
| Average equity | $65,189,250 | 1,229 |
| Average total loans | $341,645,500 | 1,412 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 1,736 |
| Cost of funding earning assets | 0.6055% | 1,408 |
| Net interest margin | 3.8222% | 2,201 |
| Noninterest income to average assets | 0.5741% | 2,584 |
| Noninterest expense to average assets | 3.1088% | 1,822 |
| Loan and lease loss provision to assets | 0.3047% | 496 |
| Net operating income to assets | 0.5139% | 4,672 |
| Return on assets (ROA) | 0.5139% | 4,704 |
| Pretax return on assets | 0.7240% | 4,489 |
| Return on Equity (ROE) | 3.6313% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.6313% | 3,549 |
| Net charge-offs to loans | 0.2109% | 970 |
| Credit loss provision to net charge-offs | 193.6288% | 1,306 |
| Earnings coverage of net charge-offs (x) | 6.5374% | 2,697 |
| Efficiency ratio | 75.1370% | 1,835 |
| Assets per employee ($millions) | 4.1991% | 3,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7921% | 4,970 |
| Loan loss allowance to noncurrent loans | 46.3676% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 1.4178% | 1,111 |
| Noncurrent loans to loans | 1.7084% | 1,066 |
| Net loans and leases to total assets | 73.5262% | 1,954 |
| Net loans and leases to deposits | 90.2343% | 1,698 |
| Net loans and leases to core deposits | 95.0644% | 2,066 |
| Total domestic deposits to total assets | 81.4836% | 4,051 |
| Equity capital to assets | 14.3798% | 860 |
| Core capital (leverage) ratio | 14.0174% | 861 |
| Tier 1 risk-based capital ratio | 20.9211% | 1,201 |
| Total risk-based capital ratio | 21.8251% | 1,236 |
| Memoranda: | ||
| Average total assets | $458,825,330 | 1,534 |
| Average earning assets | $427,765,330 | 1,526 |
| Average equity | $64,934,670 | 1,231 |
| Average total loans | $342,386,330 | 1,408 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4357% | 1,541 |
| Cost of funding earning assets | 0.5990% | 1,381 |
| Net interest margin | 3.8367% | 1,996 |
| Noninterest income to average assets | 0.5015% | 2,969 |
| Noninterest expense to average assets | 3.0719% | 1,953 |
| Loan and lease loss provision to assets | 0.3074% | 423 |
| Net operating income to assets | 0.4928% | 4,630 |
| Return on assets (ROA) | 0.4928% | 4,650 |
| Pretax return on assets | 0.6974% | 4,457 |
| Return on Equity (ROE) | 3.5104% | 4,960 |
| Retained earnings to average equity (ytd only) | 3.5104% | 3,687 |
| Net charge-offs to loans | 0.2779% | 652 |
| Credit loss provision to net charge-offs | 147.6987% | 1,225 |
| Earnings coverage of net charge-offs (x) | 4.8285% | 2,346 |
| Efficiency ratio | 75.3524% | 2,009 |
| Assets per employee ($millions) | 4.0399% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7222% | 5,258 |
| Loan loss allowance to noncurrent loans | 46.5683% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.3360% | 1,266 |
| Noncurrent loans to loans | 1.5507% | 1,266 |
| Net loans and leases to total assets | 73.5207% | 1,818 |
| Net loans and leases to deposits | 89.1407% | 1,652 |
| Net loans and leases to core deposits | 94.2359% | 1,967 |
| Total domestic deposits to total assets | 82.4771% | 4,029 |
| Equity capital to assets | 14.1033% | 875 |
| Core capital (leverage) ratio | 13.7889% | 895 |
| Tier 1 risk-based capital ratio | 20.6489% | 1,279 |
| Total risk-based capital ratio | 21.4796% | 1,314 |
| Memoranda: | ||
| Average total assets | $459,389,500 | 1,535 |
| Average earning assets | $428,072,000 | 1,535 |
| Average equity | $64,494,000 | 1,236 |
| Average total loans | $343,972,500 | 1,417 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6298% | 1,210 |
| Cost of funding earning assets | 0.5648% | 1,570 |
| Net interest margin | 4.0651% | 1,458 |
| Noninterest income to average assets | 0.6302% | 2,507 |
| Noninterest expense to average assets | 3.3532% | 1,460 |
| Loan and lease loss provision to assets | 0.2807% | 711 |
| Net operating income to assets | 0.5413% | 4,471 |
| Return on assets (ROA) | 0.5410% | 4,567 |
| Pretax return on assets | 0.7650% | 4,285 |
| Return on Equity (ROE) | 3.6218% | 4,969 |
| Retained earnings to average equity (ytd only) | -5.4063% | 5,691 |
| Net charge-offs to loans | 0.2257% | 1,234 |
| Credit loss provision to net charge-offs | 164.9934% | 1,681 |
| Earnings coverage of net charge-offs (x) | 6.1493% | 3,226 |
| Efficiency ratio | 76.2197% | 1,947 |
| Assets per employee ($millions) | 4.0551% | 3,861 |
| Cash dividends to net income (ytd only)* | 249.2730% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6775% | 5,402 |
| Loan loss allowance to noncurrent loans | 50.1173% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 1.1802% | 1,538 |
| Noncurrent loans to loans | 1.3518% | 1,522 |
| Net loans and leases to total assets | 75.1878% | 1,658 |
| Net loans and leases to deposits | 91.0131% | 1,576 |
| Net loans and leases to core deposits | 95.8970% | 1,930 |
| Total domestic deposits to total assets | 82.6121% | 3,892 |
| Equity capital to assets | 13.9745% | 894 |
| Core capital (leverage) ratio | 13.5156% | 963 |
| Tier 1 risk-based capital ratio | 20.2291% | 1,336 |
| Total risk-based capital ratio | 21.0096% | 1,392 |
| Memoranda: | ||
| Average total assets | $444,943,600 | 1,526 |
| Average earning assets | $412,565,200 | 1,525 |
| Average equity | $66,459,000 | 1,181 |
| Average total loans | $335,403,800 | 1,392 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6677% | 1,142 |
| Cost of funding earning assets | 0.5479% | 1,718 |
| Net interest margin | 4.1197% | 1,341 |
| Noninterest income to average assets | 0.6352% | 2,493 |
| Noninterest expense to average assets | 3.3301% | 1,492 |
| Loan and lease loss provision to assets | 0.2452% | 780 |
| Net operating income to assets | 0.6147% | 4,234 |
| Return on assets (ROA) | 0.6141% | 4,350 |
| Pretax return on assets | 0.8749% | 4,064 |
| Return on Equity (ROE) | 4.0437% | 4,881 |
| Retained earnings to average equity (ytd only) | -7.8847% | 5,817 |
| Net charge-offs to loans | 0.1415% | 1,578 |
| Credit loss provision to net charge-offs | 230.0283% | 1,281 |
| Earnings coverage of net charge-offs (x) | 10.5185% | 2,564 |
| Efficiency ratio | 74.8152% | 2,139 |
| Assets per employee ($millions) | 4.0790% | 3,827 |
| Cash dividends to net income (ytd only)* | 294.9855% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6762% | 5,473 |
| Loan loss allowance to noncurrent loans | 60.3857% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 1.0754% | 1,906 |
| Noncurrent loans to loans | 1.1198% | 2,009 |
| Net loans and leases to total assets | 75.8494% | 1,547 |
| Net loans and leases to deposits | 93.4518% | 1,326 |
| Net loans and leases to core deposits | 98.5912% | 1,761 |
| Total domestic deposits to total assets | 81.1642% | 4,205 |
| Equity capital to assets | 14.3788% | 908 |
| Core capital (leverage) ratio | 13.8498% | 895 |
| Tier 1 risk-based capital ratio | 20.6435% | 1,332 |
| Total risk-based capital ratio | 21.4305% | 1,377 |
| Memoranda: | ||
| Average total assets | $441,622,750 | 1,536 |
| Average earning assets | $409,044,000 | 1,533 |
| Average equity | $67,065,000 | 1,173 |
| Average total loans | $332,534,500 | 1,403 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6734% | 1,109 |
| Cost of funding earning assets | 0.5429% | 1,761 |
| Net interest margin | 4.1305% | 1,292 |
| Noninterest income to average assets | 0.6397% | 2,420 |
| Noninterest expense to average assets | 3.2554% | 1,681 |
| Loan and lease loss provision to assets | 0.2094% | 1,021 |
| Net operating income to assets | 0.6944% | 3,816 |
| Return on assets (ROA) | 0.6934% | 3,972 |
| Pretax return on assets | 0.9944% | 3,609 |
| Return on Equity (ROE) | 4.4850% | 4,719 |
| Retained earnings to average equity (ytd only) | -4.3496% | 5,716 |
| Net charge-offs to loans | 0.1525% | 1,415 |
| Credit loss provision to net charge-offs | 183.2669% | 1,383 |
| Earnings coverage of net charge-offs (x) | 10.5458% | 2,327 |
| Efficiency ratio | 72.9815% | 2,524 |
| Assets per employee ($millions) | 3.9269% | 4,046 |
| Cash dividends to net income (ytd only)* | 196.9796% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6013% | 5,679 |
| Loan loss allowance to noncurrent loans | 56.6301% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 1.2201% | 1,690 |
| Noncurrent loans to loans | 1.0618% | 2,167 |
| Net loans and leases to total assets | 76.3267% | 1,438 |
| Net loans and leases to deposits | 98.3119% | 859 |
| Net loans and leases to core deposits | 104.1436% | 1,308 |
| Total domestic deposits to total assets | 77.6373% | 5,064 |
| Equity capital to assets | 14.9731% | 732 |
| Core capital (leverage) ratio | 14.6137% | 694 |
| Tier 1 risk-based capital ratio | 21.8196% | 1,156 |
| Total risk-based capital ratio | 22.5321% | 1,210 |
| Memoranda: | ||
| Average total assets | $439,267,670 | 1,547 |
| Average earning assets | $406,346,000 | 1,545 |
| Average equity | $67,914,670 | 1,161 |
| Average total loans | $329,164,670 | 1,418 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7047% | 1,040 |
| Cost of funding earning assets | 0.5378% | 1,807 |
| Net interest margin | 4.1670% | 1,180 |
| Noninterest income to average assets | 0.6050% | 2,500 |
| Noninterest expense to average assets | 3.2409% | 1,737 |
| Loan and lease loss provision to assets | 0.3448% | 433 |
| Net operating income to assets | 0.6132% | 4,116 |
| Return on assets (ROA) | 0.6132% | 4,238 |
| Pretax return on assets | 0.8734% | 3,959 |
| Return on Equity (ROE) | 3.9030% | 4,922 |
| Retained earnings to average equity (ytd only) | 3.9030% | 3,543 |
| Net charge-offs to loans | 0.1218% | 1,378 |
| Credit loss provision to net charge-offs | 382.6531% | 731 |
| Earnings coverage of net charge-offs (x) | 13.5204% | 1,731 |
| Efficiency ratio | 72.6804% | 2,697 |
| Assets per employee ($millions) | 3.7872% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6522% | 5,672 |
| Loan loss allowance to noncurrent loans | 55.2679% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 1.2654% | 1,714 |
| Noncurrent loans to loans | 1.1800% | 2,051 |
| Net loans and leases to total assets | 74.6756% | 1,620 |
| Net loans and leases to deposits | 94.1212% | 1,135 |
| Net loans and leases to core deposits | 100.0609% | 1,481 |
| Total domestic deposits to total assets | 79.3398% | 4,888 |
| Equity capital to assets | 15.8082% | 556 |
| Core capital (leverage) ratio | 15.5100% | 533 |
| Tier 1 risk-based capital ratio | 23.1095% | 1,002 |
| Total risk-based capital ratio | 23.8634% | 1,046 |
| Memoranda: | ||
| Average total assets | $435,067,000 | 1,565 |
| Average earning assets | $402,402,000 | 1,558 |
| Average equity | $68,357,000 | 1,151 |
| Average total loans | $321,868,000 | 1,440 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8742% | 817 |
| Cost of funding earning assets | 0.5437% | 1,817 |
| Net interest margin | 4.3305% | 904 |
| Noninterest income to average assets | 0.6755% | 2,316 |
| Noninterest expense to average assets | 3.4359% | 1,422 |
| Loan and lease loss provision to assets | 0.1209% | 1,984 |
| Net operating income to assets | 0.7778% | 3,432 |
| Return on assets (ROA) | 0.7801% | 3,495 |
| Pretax return on assets | 1.1139% | 2,981 |
| Return on Equity (ROE) | 4.9988% | 4,504 |
| Retained earnings to average equity (ytd only) | 0.4777% | 5,325 |
| Net charge-offs to loans | 0.1822% | 1,577 |
| Credit loss provision to net charge-offs | 90.6526% | 2,750 |
| Earnings coverage of net charge-offs (x) | 9.2346% | 2,844 |
| Efficiency ratio | 73.6155% | 2,639 |
| Assets per employee ($millions) | 3.9288% | 4,065 |
| Cash dividends to net income (ytd only)* | 90.4432% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5873% | 5,811 |
| Loan loss allowance to noncurrent loans | 41.2705% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 1.3318% | 1,591 |
| Noncurrent loans to loans | 1.4230% | 1,635 |
| Net loans and leases to total assets | 72.1196% | 2,031 |
| Net loans and leases to deposits | 91.0188% | 1,505 |
| Net loans and leases to core deposits | 96.6774% | 1,780 |
| Total domestic deposits to total assets | 79.2359% | 4,918 |
| Equity capital to assets | 15.5991% | 582 |
| Core capital (leverage) ratio | 15.3603% | 556 |
| Tier 1 risk-based capital ratio | 23.6217% | 944 |
| Total risk-based capital ratio | 24.2976% | 993 |
| Memoranda: | ||
| Average total assets | $425,183,800 | 1,565 |
| Average earning assets | $391,943,000 | 1,556 |
| Average equity | $66,356,200 | 1,141 |
| Average total loans | $311,246,000 | 1,421 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7728% | 978 |
| Cost of funding earning assets | 0.5451% | 1,842 |
| Net interest margin | 4.2276% | 1,110 |
| Noninterest income to average assets | 0.6546% | 2,453 |
| Noninterest expense to average assets | 3.4862% | 1,314 |
| Loan and lease loss provision to assets | 0.1531% | 1,421 |
| Net operating income to assets | 0.6393% | 4,183 |
| Return on assets (ROA) | 0.6419% | 4,285 |
| Pretax return on assets | 0.9156% | 3,930 |
| Return on Equity (ROE) | 4.1128% | 4,989 |
| Retained earnings to average equity (ytd only) | -1.9533% | 5,848 |
| Net charge-offs to loans | 0.1647% | 1,502 |
| Credit loss provision to net charge-offs | 126.6319% | 1,910 |
| Earnings coverage of net charge-offs (x) | 8.8095% | 2,765 |
| Efficiency ratio | 76.6019% | 2,145 |
| Assets per employee ($millions) | 3.8327% | 4,200 |
| Cash dividends to net income (ytd only)* | 147.4927% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6436% | 5,830 |
| Loan loss allowance to noncurrent loans | 41.1572% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 1.6412% | 1,340 |
| Noncurrent loans to loans | 1.5638% | 1,596 |
| Net loans and leases to total assets | 73.0453% | 1,898 |
| Net loans and leases to deposits | 91.6991% | 1,445 |
| Net loans and leases to core deposits | 96.9698% | 1,801 |
| Total domestic deposits to total assets | 79.6576% | 4,814 |
| Equity capital to assets | 15.6897% | 618 |
| Core capital (leverage) ratio | 15.0893% | 619 |
| Tier 1 risk-based capital ratio | 23.0556% | 1,048 |
| Total risk-based capital ratio | 23.7867% | 1,097 |
| Memoranda: | ||
| Average total assets | $422,456,000 | 1,582 |
| Average earning assets | $389,367,000 | 1,576 |
| Average equity | $65,938,500 | 1,155 |
| Average total loans | $309,965,500 | 1,433 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7160% | 1,039 |
| Cost of funding earning assets | 0.5478% | 1,842 |
| Net interest margin | 4.1682% | 1,175 |
| Noninterest income to average assets | 0.7147% | 2,153 |
| Noninterest expense to average assets | 3.4209% | 1,439 |
| Loan and lease loss provision to assets | 0.2302% | 805 |
| Net operating income to assets | 0.6378% | 4,183 |
| Return on assets (ROA) | 0.6378% | 4,294 |
| Pretax return on assets | 0.9092% | 3,921 |
| Return on Equity (ROE) | 4.0933% | 4,979 |
| Retained earnings to average equity (ytd only) | -5.0435% | 6,023 |
| Net charge-offs to loans | 0.2090% | 1,209 |
| Credit loss provision to net charge-offs | 150.1548% | 1,528 |
| Earnings coverage of net charge-offs (x) | 7.4334% | 2,672 |
| Efficiency ratio | 75.0156% | 2,533 |
| Assets per employee ($millions) | 4.1674% | 3,534 |
| Cash dividends to net income (ytd only)* | 223.2143% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6487% | 5,895 |
| Loan loss allowance to noncurrent loans | 35.7846% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 1.6730% | 1,425 |
| Noncurrent loans to loans | 1.8128% | 1,409 |
| Net loans and leases to total assets | 73.2528% | 1,781 |
| Net loans and leases to deposits | 91.8591% | 1,391 |
| Net loans and leases to core deposits | 96.9319% | 1,723 |
| Total domestic deposits to total assets | 79.7448% | 4,917 |
| Equity capital to assets | 15.1675% | 672 |
| Core capital (leverage) ratio | 14.8962% | 633 |
| Tier 1 risk-based capital ratio | 22.2215% | 1,169 |
| Total risk-based capital ratio | 22.9612% | 1,230 |
| Memoranda: | ||
| Average total assets | $421,464,000 | 1,594 |
| Average earning assets | $388,849,330 | 1,588 |
| Average equity | $65,668,330 | 1,167 |
| Average total loans | $309,030,330 | 1,438 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7932% | 873 |
| Cost of funding earning assets | 0.5536% | 1,811 |
| Net interest margin | 4.2396% | 995 |
| Noninterest income to average assets | 0.6238% | 2,531 |
| Noninterest expense to average assets | 3.2434% | 1,859 |
| Loan and lease loss provision to assets | 0.0876% | 2,228 |
| Net operating income to assets | 0.8048% | 3,236 |
| Return on assets (ROA) | 0.8048% | 3,358 |
| Pretax return on assets | 1.2150% | 2,609 |
| Return on Equity (ROE) | 5.0950% | 4,483 |
| Retained earnings to average equity (ytd only) | 5.0950% | 3,006 |
| Net charge-offs to loans | -0.0132% | 4,851 |
| Credit loss provision to net charge-offs | -910.0000% | 4,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3469% | 3,275 |
| Assets per employee ($millions) | 3.9289% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6646% | 5,966 |
| Loan loss allowance to noncurrent loans | 37.2571% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 1.7053% | 1,466 |
| Noncurrent loans to loans | 1.7838% | 1,523 |
| Net loans and leases to total assets | 72.2475% | 1,768 |
| Net loans and leases to deposits | 91.8738% | 1,203 |
| Net loans and leases to core deposits | 97.1085% | 1,544 |
| Total domestic deposits to total assets | 78.6378% | 5,329 |
| Equity capital to assets | 15.8848% | 558 |
| Core capital (leverage) ratio | 15.4946% | 534 |
| Tier 1 risk-based capital ratio | 24.2418% | 970 |
| Total risk-based capital ratio | 25.0169% | 1,005 |
| Memoranda: | ||
| Average total assets | $415,489,000 | 1,625 |
| Average earning assets | $384,377,500 | 1,615 |
| Average equity | $65,633,500 | 1,168 |
| Average total loans | $303,765,000 | 1,464 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7864% | 1,142 |
| Cost of funding earning assets | 0.5793% | 1,960 |
| Net interest margin | 4.2071% | 1,280 |
| Noninterest income to average assets | 0.5787% | 2,996 |
| Noninterest expense to average assets | 3.3558% | 1,789 |
| Loan and lease loss provision to assets | 0.1273% | 2,060 |
| Net operating income to assets | 0.7258% | 3,765 |
| Return on assets (ROA) | 0.7686% | 3,629 |
| Pretax return on assets | 1.0582% | 3,263 |
| Return on Equity (ROE) | 5.0019% | 4,664 |
| Retained earnings to average equity (ytd only) | 5.0019% | 2,598 |
| Net charge-offs to loans | 0.1804% | 2,224 |
| Credit loss provision to net charge-offs | 100.5988% | 2,375 |
| Earnings coverage of net charge-offs (x) | 8.9082% | 2,816 |
| Efficiency ratio | 74.8620% | 2,680 |
| Assets per employee ($millions) | 3.7011% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6258% | 6,107 |
| Loan loss allowance to noncurrent loans | 33.7812% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 1.8129% | 1,438 |
| Noncurrent loans to loans | 1.8526% | 1,536 |
| Net loans and leases to total assets | 73.2021% | 1,722 |
| Net loans and leases to deposits | 93.0959% | 1,175 |
| Net loans and leases to core deposits | 98.5726% | 1,505 |
| Total domestic deposits to total assets | 78.6308% | 5,322 |
| Equity capital to assets | 15.7081% | 576 |
| Core capital (leverage) ratio | 15.0675% | 597 |
| Tier 1 risk-based capital ratio | 23.6383% | 991 |
| Total risk-based capital ratio | 24.3748% | 1,043 |
| Memoranda: | ||
| Average total assets | $396,061,400 | 1,659 |
| Average earning assets | $367,523,400 | 1,638 |
| Average equity | $60,857,400 | 1,201 |
| Average total loans | $277,741,600 | 1,530 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6074% | 1,544 |
| Cost of funding earning assets | 0.5816% | 2,006 |
| Net interest margin | 4.0258% | 1,805 |
| Noninterest income to average assets | 0.5194% | 3,411 |
| Noninterest expense to average assets | 3.4558% | 1,557 |
| Loan and lease loss provision to assets | 0.0092% | 4,242 |
| Net operating income to assets | 0.5689% | 4,597 |
| Return on assets (ROA) | 0.6410% | 4,349 |
| Pretax return on assets | 0.8917% | 4,023 |
| Return on Equity (ROE) | 4.1966% | 5,086 |
| Retained earnings to average equity (ytd only) | 4.1966% | 3,661 |
| Net charge-offs to loans | 0.0753% | 3,122 |
| Credit loss provision to net charge-offs | 17.6471% | 3,607 |
| Earnings coverage of net charge-offs (x) | 15.3664% | 2,058 |
| Efficiency ratio | 81.1875% | 1,729 |
| Assets per employee ($millions) | 3.7770% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5932% | 6,229 |
| Loan loss allowance to noncurrent loans | 30.7096% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 1.7447% | 1,712 |
| Noncurrent loans to loans | 1.9315% | 1,657 |
| Net loans and leases to total assets | 72.5820% | 1,746 |
| Net loans and leases to deposits | 92.9967% | 1,132 |
| Net loans and leases to core deposits | 98.1581% | 1,514 |
| Total domestic deposits to total assets | 78.0480% | 5,523 |
| Equity capital to assets | 15.4095% | 650 |
| Core capital (leverage) ratio | 14.9782% | 625 |
| Tier 1 risk-based capital ratio | 23.7379% | 1,023 |
| Total risk-based capital ratio | 24.4358% | 1,075 |
| Memoranda: | ||
| Average total assets | $391,447,250 | 1,686 |
| Average earning assets | $363,377,000 | 1,665 |
| Average equity | $59,793,500 | 1,232 |
| Average total loans | $270,840,250 | 1,581 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 1,975 |
| Cost of funding earning assets | 0.5736% | 2,131 |
| Net interest margin | 3.8820% | 2,243 |
| Noninterest income to average assets | 0.4731% | 3,684 |
| Noninterest expense to average assets | 3.5410% | 1,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3979% | 5,230 |
| Return on assets (ROA) | 0.5110% | 4,860 |
| Pretax return on assets | 0.6878% | 4,683 |
| Return on Equity (ROE) | 3.3562% | 5,397 |
| Retained earnings to average equity (ytd only) | 3.3562% | 4,063 |
| Net charge-offs to loans | 0.1157% | 2,504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.8146% | 2,719 |
| Efficiency ratio | 86.8750% | 1,185 |
| Assets per employee ($millions) | 3.6721% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5799% | 6,334 |
| Loan loss allowance to noncurrent loans | 43.6956% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 1.0760% | 2,913 |
| Noncurrent loans to loans | 1.3271% | 2,593 |
| Net loans and leases to total assets | 70.1127% | 2,065 |
| Net loans and leases to deposits | 92.5236% | 1,093 |
| Net loans and leases to core deposits | 97.7385% | 1,462 |
| Total domestic deposits to total assets | 75.7782% | 5,936 |
| Equity capital to assets | 15.2695% | 644 |
| Core capital (leverage) ratio | 14.7375% | 645 |
| Tier 1 risk-based capital ratio | 23.7989% | 1,012 |
| Total risk-based capital ratio | 24.4718% | 1,061 |
| Memoranda: | ||
| Average total assets | $384,698,670 | 1,710 |
| Average earning assets | $357,033,670 | 1,694 |
| Average equity | $58,578,000 | 1,248 |
| Average total loans | $260,921,000 | 1,627 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7062% | 4,825 |
| Cost of funding earning assets | 0.5639% | 2,306 |
| Net interest margin | 3.1423% | 5,111 |
| Noninterest income to average assets | 0.3688% | 4,437 |
| Noninterest expense to average assets | 3.3481% | 1,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0166% | 6,191 |
| Return on assets (ROA) | 0.0166% | 6,209 |
| Pretax return on assets | -0.0685% | 6,264 |
| Return on Equity (ROE) | 0.1090% | 6,213 |
| Retained earnings to average equity (ytd only) | 0.1090% | 5,516 |
| Net charge-offs to loans | 0.0634% | 2,520 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -1.6316% | 3,526 |
| Efficiency ratio | 102.0875% | 427 |
| Assets per employee ($millions) | 3.5123% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6223% | 6,377 |
| Loan loss allowance to noncurrent loans | 43.8247% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 1.0636% | 3,128 |
| Noncurrent loans to loans | 1.4201% | 2,650 |
| Net loans and leases to total assets | 68.5626% | 2,131 |
| Net loans and leases to deposits | 89.9461% | 1,160 |
| Net loans and leases to core deposits | 94.4618% | 1,516 |
| Total domestic deposits to total assets | 76.2262% | 6,056 |
| Equity capital to assets | 14.7127% | 733 |
| Core capital (leverage) ratio | 14.2923% | 733 |
| Tier 1 risk-based capital ratio | 23.1283% | 1,126 |
| Total risk-based capital ratio | 23.8288% | 1,176 |
| Memoranda: | ||
| Average total assets | $362,231,000 | 1,813 |
| Average earning assets | $335,548,500 | 1,802 |
| Average equity | $55,065,500 | 1,310 |
| Average total loans | $239,889,000 | 1,762 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1257% | 3,636 |
| Cost of funding earning assets | 0.7708% | 1,370 |
| Net interest margin | 3.3549% | 4,463 |
| Noninterest income to average assets | 0.7236% | 2,418 |
| Noninterest expense to average assets | 2.6453% | 4,296 |
| Loan and lease loss provision to assets | 0.0353% | 4,414 |
| Net operating income to assets | 0.8306% | 3,132 |
| Return on assets (ROA) | 0.8357% | 3,186 |
| Pretax return on assets | 1.1879% | 2,628 |
| Return on Equity (ROE) | 5.4772% | 4,407 |
| Retained earnings to average equity (ytd only) | 5.4772% | 2,288 |
| Net charge-offs to loans | 0.1061% | 3,770 |
| Credit loss provision to net charge-offs | 56.0847% | 3,673 |
| Earnings coverage of net charge-offs (x) | 19.3280% | 1,612 |
| Efficiency ratio | 68.5113% | 4,097 |
| Assets per employee ($millions) | 3.7044% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 5,297 |
| Loan loss allowance to noncurrent loans | 206.0475% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 4,892 |
| Noncurrent loans to loans | 0.5164% | 4,698 |
| Net loans and leases to total assets | 61.3951% | 3,464 |
| Net loans and leases to deposits | 81.2792% | 2,287 |
| Net loans and leases to core deposits | 84.6637% | 2,594 |
| Total domestic deposits to total assets | 75.5361% | 6,135 |
| Equity capital to assets | 15.9389% | 535 |
| Core capital (leverage) ratio | 16.1587% | 456 |
| Tier 1 risk-based capital ratio | 30.8654% | 471 |
| Total risk-based capital ratio | 32.1159% | 462 |
| Memoranda: | ||
| Average total assets | $300,451,800 | 2,143 |
| Average earning assets | $280,994,800 | 2,106 |
| Average equity | $45,844,400 | 1,527 |
| Average total loans | $178,202,000 | 2,216 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 3,793 |
| Cost of funding earning assets | 0.7902% | 1,382 |
| Net interest margin | 3.3020% | 4,631 |
| Noninterest income to average assets | 0.8457% | 1,956 |
| Noninterest expense to average assets | 2.5507% | 4,548 |
| Loan and lease loss provision to assets | 0.0466% | 4,085 |
| Net operating income to assets | 0.9317% | 2,681 |
| Return on assets (ROA) | 0.9385% | 2,756 |
| Pretax return on assets | 1.3494% | 2,128 |
| Return on Equity (ROE) | 6.2164% | 4,067 |
| Retained earnings to average equity (ytd only) | 6.2164% | 2,279 |
| Net charge-offs to loans | 0.0809% | 3,797 |
| Credit loss provision to net charge-offs | 98.1481% | 2,432 |
| Earnings coverage of net charge-offs (x) | 29.2030% | 1,259 |
| Efficiency ratio | 64.7873% | 4,680 |
| Assets per employee ($millions) | 4.0393% | 3,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 5,264 |
| Loan loss allowance to noncurrent loans | 277.0195% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3758% | 5,279 |
| Noncurrent loans to loans | 0.4033% | 5,184 |
| Net loans and leases to total assets | 60.5279% | 3,608 |
| Net loans and leases to deposits | 77.6871% | 2,715 |
| Net loans and leases to core deposits | 80.7898% | 3,032 |
| Total domestic deposits to total assets | 77.9124% | 5,921 |
| Equity capital to assets | 15.6997% | 595 |
| Core capital (leverage) ratio | 15.8946% | 507 |
| Tier 1 risk-based capital ratio | 30.4893% | 492 |
| Total risk-based capital ratio | 31.7461% | 493 |
| Memoranda: | ||
| Average total assets | $303,329,750 | 2,136 |
| Average earning assets | $283,979,500 | 2,098 |
| Average equity | $45,792,000 | 1,542 |
| Average total loans | $177,926,750 | 2,223 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0625% | 3,868 |
| Cost of funding earning assets | 0.8103% | 1,367 |
| Net interest margin | 3.2522% | 4,765 |
| Noninterest income to average assets | 1.0049% | 1,524 |
| Noninterest expense to average assets | 2.5275% | 4,635 |
| Loan and lease loss provision to assets | 0.0689% | 3,664 |
| Net operating income to assets | 1.0068% | 2,303 |
| Return on assets (ROA) | 1.0068% | 2,439 |
| Pretax return on assets | 1.4576% | 1,750 |
| Return on Equity (ROE) | 6.7545% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.7545% | 2,000 |
| Net charge-offs to loans | 0.1327% | 3,053 |
| Credit loss provision to net charge-offs | 89.8305% | 2,444 |
| Earnings coverage of net charge-offs (x) | 19.8898% | 1,489 |
| Efficiency ratio | 62.3456% | 5,121 |
| Assets per employee ($millions) | 4.4697% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 5,372 |
| Loan loss allowance to noncurrent loans | 259.0314% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 5,198 |
| Noncurrent loans to loans | 0.4316% | 5,182 |
| Net loans and leases to total assets | 58.4556% | 3,914 |
| Net loans and leases to deposits | 74.7369% | 3,049 |
| Net loans and leases to core deposits | 78.0310% | 3,285 |
| Total domestic deposits to total assets | 78.2152% | 5,944 |
| Equity capital to assets | 15.3177% | 651 |
| Core capital (leverage) ratio | 15.2884% | 560 |
| Tier 1 risk-based capital ratio | 29.7600% | 533 |
| Total risk-based capital ratio | 31.0100% | 526 |
| Memoranda: | ||
| Average total assets | $307,497,000 | 2,104 |
| Average earning assets | $288,295,330 | 2,071 |
| Average equity | $45,836,330 | 1,546 |
| Average total loans | $177,895,330 | 2,221 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 3,933 |
| Cost of funding earning assets | 0.8428% | 1,289 |
| Net interest margin | 3.2029% | 4,928 |
| Noninterest income to average assets | 0.4854% | 3,881 |
| Noninterest expense to average assets | 2.3781% | 5,184 |
| Loan and lease loss provision to assets | 0.1271% | 2,646 |
| Net operating income to assets | 0.6998% | 3,684 |
| Return on assets (ROA) | 0.6998% | 3,826 |
| Pretax return on assets | 0.9862% | 3,419 |
| Return on Equity (ROE) | 4.7579% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.7579% | 3,384 |
| Net charge-offs to loans | 0.2580% | 1,926 |
| Credit loss provision to net charge-offs | 86.0870% | 2,084 |
| Earnings coverage of net charge-offs (x) | 7.5391% | 2,054 |
| Efficiency ratio | 68.1133% | 4,287 |
| Assets per employee ($millions) | 5.1448% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 5,522 |
| Loan loss allowance to noncurrent loans | 151.2251% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6285% | 4,813 |
| Noncurrent loans to loans | 0.7412% | 4,649 |
| Net loans and leases to total assets | 56.4436% | 4,018 |
| Net loans and leases to deposits | 71.8953% | 3,192 |
| Net loans and leases to core deposits | 75.2956% | 3,415 |
| Total domestic deposits to total assets | 78.5080% | 6,047 |
| Equity capital to assets | 14.9216% | 773 |
| Core capital (leverage) ratio | 14.4912% | 675 |
| Tier 1 risk-based capital ratio | 29.7233% | 547 |
| Total risk-based capital ratio | 30.9805% | 538 |
| Memoranda: | ||
| Average total assets | $311,510,500 | 2,109 |
| Average earning assets | $292,357,500 | 2,065 |
| Average equity | $45,818,500 | 1,565 |
| Average total loans | $178,325,000 | 2,229 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 4,413 |
| Cost of funding earning assets | 1.0398% | 1,166 |
| Net interest margin | 3.2064% | 5,552 |
| Noninterest income to average assets | 0.4160% | 4,484 |
| Noninterest expense to average assets | 2.5103% | 5,058 |
| Loan and lease loss provision to assets | 0.2719% | 2,473 |
| Net operating income to assets | 0.4877% | 4,728 |
| Return on assets (ROA) | 0.5441% | 4,753 |
| Pretax return on assets | 0.7144% | 4,619 |
| Return on Equity (ROE) | 3.8544% | 5,199 |
| Retained earnings to average equity (ytd only) | 3.8544% | 3,482 |
| Net charge-offs to loans | 0.2229% | 3,614 |
| Credit loss provision to net charge-offs | 212.8079% | 1,195 |
| Earnings coverage of net charge-offs (x) | 7.1379% | 2,668 |
| Efficiency ratio | 73.3517% | 3,182 |
| Assets per employee ($millions) | 5.3277% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 5,539 |
| Loan loss allowance to noncurrent loans | 230.4398% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 5,175 |
| Noncurrent loans to loans | 0.4788% | 5,325 |
| Net loans and leases to total assets | 56.7708% | 4,149 |
| Net loans and leases to deposits | 72.0387% | 3,406 |
| Net loans and leases to core deposits | 75.0651% | 3,652 |
| Total domestic deposits to total assets | 78.8060% | 5,934 |
| Equity capital to assets | 14.4992% | 874 |
| Core capital (leverage) ratio | 14.0422% | 790 |
| Tier 1 risk-based capital ratio | 28.7386% | 577 |
| Total risk-based capital ratio | 29.9894% | 565 |
| Memoranda: | ||
| Average total assets | $317,769,600 | 2,018 |
| Average earning assets | $297,931,400 | 1,986 |
| Average equity | $44,858,000 | 1,553 |
| Average total loans | $182,144,400 | 2,177 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 4,396 |
| Cost of funding earning assets | 1.0570% | 1,253 |
| Net interest margin | 3.2580% | 5,521 |
| Noninterest income to average assets | 0.3921% | 4,692 |
| Noninterest expense to average assets | 2.5253% | 5,003 |
| Loan and lease loss provision to assets | 0.3615% | 1,794 |
| Net operating income to assets | 0.4364% | 5,093 |
| Return on assets (ROA) | 0.5134% | 5,049 |
| Pretax return on assets | 0.6582% | 4,984 |
| Return on Equity (ROE) | 3.6616% | 5,428 |
| Retained earnings to average equity (ytd only) | 3.6616% | 4,312 |
| Net charge-offs to loans | 0.2870% | 3,007 |
| Credit loss provision to net charge-offs | 219.8473% | 1,266 |
| Earnings coverage of net charge-offs (x) | 5.6005% | 2,978 |
| Efficiency ratio | 73.2759% | 3,107 |
| Assets per employee ($millions) | 4.8774% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 5,732 |
| Loan loss allowance to noncurrent loans | 175.9438% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.6750% | 4,995 |
| Noncurrent loans to loans | 0.6234% | 5,193 |
| Net loans and leases to total assets | 57.0031% | 4,293 |
| Net loans and leases to deposits | 72.5340% | 3,526 |
| Net loans and leases to core deposits | 74.8850% | 3,862 |
| Total domestic deposits to total assets | 78.5881% | 5,952 |
| Equity capital to assets | 14.2845% | 1,045 |
| Core capital (leverage) ratio | 13.8120% | 896 |
| Tier 1 risk-based capital ratio | 28.1775% | 642 |
| Total risk-based capital ratio | 29.4340% | 622 |
| Memoranda: | ||
| Average total assets | $318,628,500 | 2,035 |
| Average earning assets | $298,702,250 | 1,997 |
| Average equity | $44,678,500 | 1,580 |
| Average total loans | $182,570,250 | 2,195 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3913% | 4,218 |
| Cost of funding earning assets | 1.0851% | 1,287 |
| Net interest margin | 3.3062% | 5,421 |
| Noninterest income to average assets | 0.4117% | 4,568 |
| Noninterest expense to average assets | 2.3606% | 5,591 |
| Loan and lease loss provision to assets | 0.1748% | 3,355 |
| Net operating income to assets | 0.7058% | 3,838 |
| Return on assets (ROA) | 0.8096% | 3,615 |
| Pretax return on assets | 1.1192% | 3,234 |
| Return on Equity (ROE) | 5.8099% | 4,413 |
| Retained earnings to average equity (ytd only) | 5.8099% | 2,819 |
| Net charge-offs to loans | 0.2400% | 3,131 |
| Credit loss provision to net charge-offs | 127.3973% | 2,161 |
| Earnings coverage of net charge-offs (x) | 8.3790% | 2,305 |
| Efficiency ratio | 67.2438% | 4,281 |
| Assets per employee ($millions) | 5.1498% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8657% | 6,534 |
| Loan loss allowance to noncurrent loans | 151.1385% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 5,174 |
| Noncurrent loans to loans | 0.5728% | 5,366 |
| Net loans and leases to total assets | 57.1307% | 4,307 |
| Net loans and leases to deposits | 73.0412% | 3,454 |
| Net loans and leases to core deposits | 75.2418% | 3,846 |
| Total domestic deposits to total assets | 78.2171% | 6,115 |
| Equity capital to assets | 14.2746% | 989 |
| Core capital (leverage) ratio | 13.8085% | 865 |
| Tier 1 risk-based capital ratio | 28.5452% | 606 |
| Total risk-based capital ratio | 29.5766% | 609 |
| Memoranda: | ||
| Average total assets | $319,161,330 | 2,029 |
| Average earning assets | $299,136,670 | 1,986 |
| Average equity | $44,476,000 | 1,568 |
| Average total loans | $182,520,000 | 2,189 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4256% | 4,220 |
| Cost of funding earning assets | 1.1241% | 1,278 |
| Net interest margin | 3.3014% | 5,475 |
| Noninterest income to average assets | 0.3898% | 4,742 |
| Noninterest expense to average assets | 2.4055% | 5,455 |
| Loan and lease loss provision to assets | 0.2783% | 2,232 |
| Net operating income to assets | 0.5825% | 4,430 |
| Return on assets (ROA) | 0.7509% | 3,855 |
| Pretax return on assets | 1.0291% | 3,575 |
| Return on Equity (ROE) | 5.4547% | 4,568 |
| Retained earnings to average equity (ytd only) | 5.4547% | 3,287 |
| Net charge-offs to loans | 0.4709% | 1,909 |
| Credit loss provision to net charge-offs | 103.7383% | 2,229 |
| Earnings coverage of net charge-offs (x) | 4.0140% | 2,692 |
| Efficiency ratio | 69.0785% | 3,969 |
| Assets per employee ($millions) | 5.5947% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 6,630 |
| Loan loss allowance to noncurrent loans | 100.4563% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.8536% | 4,822 |
| Noncurrent loans to loans | 0.8517% | 4,973 |
| Net loans and leases to total assets | 55.9970% | 4,386 |
| Net loans and leases to deposits | 71.5022% | 3,506 |
| Net loans and leases to core deposits | 73.0723% | 4,010 |
| Total domestic deposits to total assets | 78.3151% | 6,221 |
| Equity capital to assets | 13.8197% | 1,083 |
| Core capital (leverage) ratio | 13.6009% | 909 |
| Tier 1 risk-based capital ratio | 27.2994% | 702 |
| Total risk-based capital ratio | 28.2693% | 715 |
| Memoranda: | ||
| Average total assets | $319,098,500 | 2,035 |
| Average earning assets | $298,899,000 | 1,990 |
| Average equity | $43,925,500 | 1,583 |
| Average total loans | $181,778,000 | 2,212 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6181% | 4,597 |
| Cost of funding earning assets | 1.4979% | 723 |
| Net interest margin | 3.1201% | 6,296 |
| Noninterest income to average assets | 0.2501% | 5,742 |
| Noninterest expense to average assets | 2.2719% | 6,110 |
| Loan and lease loss provision to assets | 0.1646% | 4,572 |
| Net operating income to assets | 0.6235% | 3,868 |
| Return on assets (ROA) | 0.6343% | 4,011 |
| Pretax return on assets | 0.7276% | 4,229 |
| Return on Equity (ROE) | 5.6553% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.6553% | 2,202 |
| Net charge-offs to loans | 0.1041% | 5,317 |
| Credit loss provision to net charge-offs | 261.9792% | 916 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,494 |
| Efficiency ratio | 72.0843% | 3,561 |
| Assets per employee ($millions) | 5.4118% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8357% | 6,672 |
| Loan loss allowance to noncurrent loans | 63.1384% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 0.9775% | 4,654 |
| Noncurrent loans to loans | 1.3236% | 4,167 |
| Net loans and leases to total assets | 56.9712% | 4,549 |
| Net loans and leases to deposits | 72.9099% | 3,678 |
| Net loans and leases to core deposits | 74.5971% | 4,159 |
| Total domestic deposits to total assets | 78.1392% | 6,166 |
| Equity capital to assets | 13.7113% | 1,170 |
| Core capital (leverage) ratio | 13.4289% | 992 |
| Tier 1 risk-based capital ratio | 29.1018% | 562 |
| Total risk-based capital ratio | 30.1457% | 562 |
| Memoranda: | ||
| Average total assets | $305,519,000 | 2,093 |
| Average earning assets | $284,122,400 | 2,066 |
| Average equity | $34,269,000 | 1,953 |
| Average total loans | $184,419,400 | 2,179 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6606% | 4,631 |
| Cost of funding earning assets | 1.5596% | 692 |
| Net interest margin | 3.1011% | 6,380 |
| Noninterest income to average assets | 0.2154% | 6,066 |
| Noninterest expense to average assets | 2.2736% | 6,108 |
| Loan and lease loss provision to assets | 0.2052% | 3,970 |
| Net operating income to assets | 0.5750% | 4,197 |
| Return on assets (ROA) | 0.5866% | 4,331 |
| Pretax return on assets | 0.6268% | 4,720 |
| Return on Equity (ROE) | 5.5563% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.5563% | 2,819 |
| Net charge-offs to loans | 0.0209% | 5,862 |
| Credit loss provision to net charge-offs | 1,603.4483% | 172 |
| Earnings coverage of net charge-offs (x) | 64.0274% | 516 |
| Efficiency ratio | 73.5017% | 3,275 |
| Assets per employee ($millions) | 5.5585% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8896% | 6,636 |
| Loan loss allowance to noncurrent loans | 74.5504% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 0.7047% | 5,385 |
| Noncurrent loans to loans | 1.1934% | 4,548 |
| Net loans and leases to total assets | 56.3217% | 4,793 |
| Net loans and leases to deposits | 72.0320% | 3,985 |
| Net loans and leases to core deposits | 73.6525% | 4,511 |
| Total domestic deposits to total assets | 78.1898% | 6,155 |
| Equity capital to assets | 13.1513% | 1,538 |
| Core capital (leverage) ratio | 12.8750% | 1,269 |
| Tier 1 risk-based capital ratio | 27.4422% | 701 |
| Total risk-based capital ratio | 28.5232% | 699 |
| Memoranda: | ||
| Average total assets | $302,074,250 | 2,129 |
| Average earning assets | $280,326,500 | 2,098 |
| Average equity | $31,891,250 | 2,083 |
| Average total loans | $184,664,000 | 2,204 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 4,048 |
| Cost of funding earning assets | 1.6344% | 610 |
| Net interest margin | 3.1781% | 6,221 |
| Noninterest income to average assets | 0.2215% | 6,090 |
| Noninterest expense to average assets | 2.2948% | 6,146 |
| Loan and lease loss provision to assets | 0.2113% | 3,800 |
| Net operating income to assets | 0.6488% | 3,803 |
| Return on assets (ROA) | 0.6679% | 3,821 |
| Pretax return on assets | 0.6686% | 4,506 |
| Return on Equity (ROE) | 6.9639% | 3,464 |
| Retained earnings to average equity (ytd only) | 6.9639% | 1,894 |
| Net charge-offs to loans | 0.0098% | 5,716 |
| Credit loss provision to net charge-offs | 3,444.4444% | 94 |
| Earnings coverage of net charge-offs (x) | 140.3333% | 256 |
| Efficiency ratio | 72.7214% | 3,595 |
| Assets per employee ($millions) | 5.1413% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8282% | 6,820 |
| Loan loss allowance to noncurrent loans | 116.8841% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.5436% | 5,833 |
| Noncurrent loans to loans | 0.7086% | 5,491 |
| Net loans and leases to total assets | 61.1573% | 4,063 |
| Net loans and leases to deposits | 75.4291% | 3,574 |
| Net loans and leases to core deposits | 77.3736% | 4,139 |
| Total domestic deposits to total assets | 81.0792% | 5,500 |
| Equity capital to assets | 9.7604% | 4,443 |
| Core capital (leverage) ratio | 9.5599% | 3,866 |
| Tier 1 risk-based capital ratio | 18.9952% | 1,850 |
| Total risk-based capital ratio | 20.0123% | 1,883 |
| Memoranda: | ||
| Average total assets | $293,448,330 | 2,189 |
| Average earning assets | $270,918,330 | 2,172 |
| Average equity | $28,145,000 | 2,302 |
| Average total loans | $184,096,670 | 2,232 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8656% | 3,743 |
| Cost of funding earning assets | 1.6770% | 616 |
| Net interest margin | 3.1886% | 6,106 |
| Noninterest income to average assets | 0.2501% | 5,901 |
| Noninterest expense to average assets | 2.2304% | 6,358 |
| Loan and lease loss provision to assets | 0.2061% | 3,579 |
| Net operating income to assets | 0.8039% | 3,013 |
| Return on assets (ROA) | 0.8039% | 3,079 |
| Pretax return on assets | 0.7558% | 4,074 |
| Return on Equity (ROE) | 8.4583% | 2,715 |
| Retained earnings to average equity (ytd only) | 8.4583% | 1,569 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8666% | 4,304 |
| Assets per employee ($millions) | 5.1675% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7422% | 7,018 |
| Loan loss allowance to noncurrent loans | 105.9459% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 5,711 |
| Noncurrent loans to loans | 0.7005% | 5,616 |
| Net loans and leases to total assets | 62.2942% | 3,791 |
| Net loans and leases to deposits | 77.2998% | 3,191 |
| Net loans and leases to core deposits | 79.5127% | 3,817 |
| Total domestic deposits to total assets | 80.5878% | 5,793 |
| Equity capital to assets | 9.5842% | 4,331 |
| Core capital (leverage) ratio | 9.5286% | 3,759 |
| Tier 1 risk-based capital ratio | 19.4537% | 1,707 |
| Total risk-based capital ratio | 20.4053% | 1,728 |
| Memoranda: | ||
| Average total assets | $291,075,000 | 2,221 |
| Average earning assets | $268,582,000 | 2,210 |
| Average equity | $27,665,000 | 2,325 |
| Average total loans | $184,199,500 | 2,253 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0818% | 4,181 |
| Cost of funding earning assets | 1.9927% | 625 |
| Net interest margin | 3.0891% | 6,544 |
| Noninterest income to average assets | 0.3322% | 5,415 |
| Noninterest expense to average assets | 2.7197% | 4,902 |
| Loan and lease loss provision to assets | 0.2252% | 5,028 |
| Net operating income to assets | 0.0748% | 5,649 |
| Return on assets (ROA) | 0.5874% | 3,889 |
| Pretax return on assets | 1.0488% | 2,779 |
| Return on Equity (ROE) | 6.1777% | 3,531 |
| Retained earnings to average equity (ytd only) | 6.1777% | 1,729 |
| Net charge-offs to loans | 0.0373% | 6,430 |
| Credit loss provision to net charge-offs | 952.2388% | 232 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,030 |
| Efficiency ratio | 85.1835% | 1,784 |
| Assets per employee ($millions) | 5.1358% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6996% | 7,137 |
| Loan loss allowance to noncurrent loans | 81.4721% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 5,772 |
| Noncurrent loans to loans | 0.8587% | 5,350 |
| Net loans and leases to total assets | 63.3712% | 3,993 |
| Net loans and leases to deposits | 79.3454% | 3,284 |
| Net loans and leases to core deposits | 81.7590% | 3,940 |
| Total domestic deposits to total assets | 79.8675% | 5,872 |
| Equity capital to assets | 9.4227% | 4,511 |
| Core capital (leverage) ratio | 9.5372% | 3,664 |
| Tier 1 risk-based capital ratio | 19.4437% | 1,608 |
| Total risk-based capital ratio | 20.3527% | 1,659 |
| Memoranda: | ||
| Average total assets | $283,264,600 | 2,260 |
| Average earning assets | $262,310,600 | 2,233 |
| Average equity | $26,935,400 | 2,380 |
| Average total loans | $179,678,000 | 2,359 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1962% | 3,850 |
| Cost of funding earning assets | 2.0337% | 676 |
| Net interest margin | 3.1625% | 6,449 |
| Noninterest income to average assets | 0.2849% | 5,835 |
| Noninterest expense to average assets | 2.9371% | 3,952 |
| Loan and lease loss provision to assets | 0.2306% | 4,767 |
| Net operating income to assets | -0.0880% | 6,170 |
| Return on assets (ROA) | 0.5982% | 4,040 |
| Pretax return on assets | 1.1189% | 2,768 |
| Return on Equity (ROE) | 6.2763% | 3,683 |
| Retained earnings to average equity (ytd only) | 6.2763% | 2,214 |
| Net charge-offs to loans | 0.0500% | 6,024 |
| Credit loss provision to net charge-offs | 728.3582% | 411 |
| Earnings coverage of net charge-offs (x) | 8.7613% | 2,115 |
| Efficiency ratio | 91.3715% | 1,183 |
| Assets per employee ($millions) | 5.8157% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6123% | 7,336 |
| Loan loss allowance to noncurrent loans | 56.9563% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 0.7600% | 5,585 |
| Noncurrent loans to loans | 1.0751% | 5,084 |
| Net loans and leases to total assets | 63.2967% | 4,257 |
| Net loans and leases to deposits | 80.6621% | 3,330 |
| Net loans and leases to core deposits | 85.8776% | 3,676 |
| Total domestic deposits to total assets | 78.4715% | 6,152 |
| Equity capital to assets | 9.4176% | 4,964 |
| Core capital (leverage) ratio | 9.2053% | 4,361 |
| Tier 1 risk-based capital ratio | 18.7126% | 1,819 |
| Total risk-based capital ratio | 19.5073% | 1,904 |
| Memoranda: | ||
| Average total assets | $282,179,750 | 2,301 |
| Average earning assets | $261,392,000 | 2,279 |
| Average equity | $26,894,250 | 2,423 |
| Average total loans | $178,712,000 | 2,405 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4677% | 2,666 |
| Cost of funding earning assets | 2.0776% | 713 |
| Net interest margin | 3.3901% | 5,676 |
| Noninterest income to average assets | 0.2499% | 6,125 |
| Noninterest expense to average assets | 2.3694% | 6,153 |
| Loan and lease loss provision to assets | 0.2134% | 4,754 |
| Net operating income to assets | 0.5528% | 4,078 |
| Return on assets (ROA) | 1.6577% | 689 |
| Pretax return on assets | 2.4324% | 259 |
| Return on Equity (ROE) | 17.3209% | 539 |
| Retained earnings to average equity (ytd only) | 17.3209% | 144 |
| Net charge-offs to loans | 0.0249% | 5,987 |
| Credit loss provision to net charge-offs | 1,354.5455% | 293 |
| Earnings coverage of net charge-offs (x) | 64.8182% | 480 |
| Efficiency ratio | 69.8838% | 4,210 |
| Assets per employee ($millions) | 5.7369% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5330% | 7,477 |
| Loan loss allowance to noncurrent loans | 40.0910% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 0.8775% | 5,366 |
| Noncurrent loans to loans | 1.3296% | 4,729 |
| Net loans and leases to total assets | 63.0370% | 4,459 |
| Net loans and leases to deposits | 81.3873% | 3,364 |
| Net loans and leases to core deposits | 84.3908% | 4,089 |
| Total domestic deposits to total assets | 77.4531% | 6,406 |
| Equity capital to assets | 9.7892% | 4,281 |
| Core capital (leverage) ratio | 9.6362% | 3,630 |
| Tier 1 risk-based capital ratio | 20.5402% | 1,423 |
| Total risk-based capital ratio | 21.2622% | 1,480 |
| Memoranda: | ||
| Average total assets | $279,311,000 | 2,335 |
| Average earning assets | $258,754,670 | 2,317 |
| Average equity | $26,730,670 | 2,427 |
| Average total loans | $176,552,000 | 2,460 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6075% | 2,119 |
| Cost of funding earning assets | 2.1414% | 710 |
| Net interest margin | 3.4661% | 5,305 |
| Noninterest income to average assets | 0.2236% | 6,366 |
| Noninterest expense to average assets | 2.2791% | 6,448 |
| Loan and lease loss provision to assets | 0.2178% | 4,325 |
| Net operating income to assets | 0.8028% | 2,949 |
| Return on assets (ROA) | 0.8028% | 3,052 |
| Pretax return on assets | 0.9363% | 3,322 |
| Return on Equity (ROE) | 8.4894% | 2,669 |
| Retained earnings to average equity (ytd only) | 8.4894% | 1,540 |
| Net charge-offs to loans | 0.0506% | 4,900 |
| Credit loss provision to net charge-offs | 681.8182% | 650 |
| Earnings coverage of net charge-offs (x) | 36.1364% | 759 |
| Efficiency ratio | 66.3848% | 5,035 |
| Assets per employee ($millions) | 5.5767% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4699% | 7,617 |
| Loan loss allowance to noncurrent loans | 118.4704% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 6,692 |
| Noncurrent loans to loans | 0.3967% | 6,489 |
| Net loans and leases to total assets | 62.3604% | 4,683 |
| Net loans and leases to deposits | 81.2799% | 3,410 |
| Net loans and leases to core deposits | 83.6897% | 4,247 |
| Total domestic deposits to total assets | 76.7231% | 6,619 |
| Equity capital to assets | 9.4468% | 4,617 |
| Core capital (leverage) ratio | 9.2813% | 4,085 |
| Tier 1 risk-based capital ratio | 18.4459% | 1,845 |
| Total risk-based capital ratio | 19.0328% | 1,970 |
| Memoranda: | ||
| Average total assets | $275,543,500 | 2,424 |
| Average earning assets | $255,156,500 | 2,399 |
| Average equity | $26,056,000 | 2,510 |
| Average total loans | $173,934,000 | 2,558 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6857% | 3,176 |
| Cost of funding earning assets | 2.6945% | 600 |
| Net interest margin | 2.9912% | 6,671 |
| Noninterest income to average assets | 0.2433% | 6,356 |
| Noninterest expense to average assets | 2.3039% | 6,736 |
| Loan and lease loss provision to assets | 0.1658% | 6,033 |
| Net operating income to assets | 0.3767% | 4,226 |
| Return on assets (ROA) | 0.3806% | 4,305 |
| Pretax return on assets | 0.5499% | 4,048 |
| Return on Equity (ROE) | 3.9448% | 4,113 |
| Retained earnings to average equity (ytd only) | 3.9448% | 2,443 |
| Net charge-offs to loans | -0.0058% | 7,725 |
| Credit loss provision to net charge-offs | -4,800.0000% | 7,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4451% | 3,450 |
| Assets per employee ($millions) | 5.5562% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3950% | 7,763 |
| Loan loss allowance to noncurrent loans | 69.2308% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 6,403 |
| Noncurrent loans to loans | 0.5706% | 6,097 |
| Net loans and leases to total assets | 63.3532% | 4,737 |
| Net loans and leases to deposits | 83.1438% | 3,429 |
| Net loans and leases to core deposits | 126.3958% | 1,484 |
| Total domestic deposits to total assets | 76.1971% | 6,636 |
| Equity capital to assets | 9.4658% | 4,464 |
| Core capital (leverage) ratio | 9.3015% | 3,971 |
| Tier 1 risk-based capital ratio | 18.3242% | 1,803 |
| Total risk-based capital ratio | 18.8206% | 1,969 |
| Memoranda: | ||
| Average total assets | $260,607,000 | 2,511 |
| Average earning assets | $241,378,000 | 2,490 |
| Average equity | $25,147,200 | 2,596 |
| Average total loans | $154,103,200 | 2,859 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6640% | 3,503 |
| Cost of funding earning assets | 2.7653% | 655 |
| Net interest margin | 2.8986% | 6,866 |
| Noninterest income to average assets | 0.2396% | 6,516 |
| Noninterest expense to average assets | 2.3091% | 6,676 |
| Loan and lease loss provision to assets | 0.1459% | 5,902 |
| Net operating income to assets | 0.2703% | 4,900 |
| Return on assets (ROA) | 0.2753% | 4,986 |
| Pretax return on assets | 0.4812% | 4,576 |
| Return on Equity (ROE) | 2.8383% | 4,859 |
| Retained earnings to average equity (ytd only) | 2.8383% | 3,746 |
| Net charge-offs to loans | -0.0080% | 7,659 |
| Credit loss provision to net charge-offs | -3,133.3333% | 7,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8516% | 3,019 |
| Assets per employee ($millions) | 5.4252% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3199% | 7,895 |
| Loan loss allowance to noncurrent loans | 100.9434% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 6,905 |
| Noncurrent loans to loans | 0.3169% | 6,724 |
| Net loans and leases to total assets | 60.2596% | 5,544 |
| Net loans and leases to deposits | 79.4149% | 4,492 |
| Net loans and leases to core deposits | 119.4632% | 2,297 |
| Total domestic deposits to total assets | 75.8795% | 6,605 |
| Equity capital to assets | 9.1479% | 5,262 |
| Core capital (leverage) ratio | 8.9765% | 4,684 |
| Tier 1 risk-based capital ratio | 18.4559% | 1,873 |
| Total risk-based capital ratio | 18.8542% | 2,052 |
| Memoranda: | ||
| Average total assets | $257,695,500 | 2,549 |
| Average earning assets | $239,049,250 | 2,526 |
| Average equity | $24,991,250 | 2,640 |
| Average total loans | $149,337,750 | 2,963 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6956% | 3,563 |
| Cost of funding earning assets | 2.8521% | 688 |
| Net interest margin | 2.8435% | 6,925 |
| Noninterest income to average assets | 0.2371% | 6,584 |
| Noninterest expense to average assets | 2.1825% | 7,099 |
| Loan and lease loss provision to assets | 0.0732% | 6,460 |
| Net operating income to assets | 0.6111% | 3,632 |
| Return on assets (ROA) | 0.6222% | 3,689 |
| Pretax return on assets | 0.6222% | 4,264 |
| Return on Equity (ROE) | 6.2850% | 3,525 |
| Retained earnings to average equity (ytd only) | 6.2850% | 1,890 |
| Net charge-offs to loans | -0.0126% | 7,637 |
| Credit loss provision to net charge-offs | -1,022.2222% | 7,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1310% | 3,666 |
| Assets per employee ($millions) | 5.3581% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2137% | 8,058 |
| Loan loss allowance to noncurrent loans | 125.8427% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 7,170 |
| Noncurrent loans to loans | 0.1698% | 7,096 |
| Net loans and leases to total assets | 58.5549% | 5,893 |
| Net loans and leases to deposits | 78.5337% | 4,782 |
| Net loans and leases to core deposits | 115.3692% | 2,775 |
| Total domestic deposits to total assets | 74.5603% | 6,859 |
| Equity capital to assets | 9.4325% | 4,699 |
| Core capital (leverage) ratio | 9.3547% | 4,090 |
| Tier 1 risk-based capital ratio | 19.9051% | 1,600 |
| Total risk-based capital ratio | 20.1722% | 1,751 |
| Memoranda: | ||
| Average total assets | $251,365,330 | 2,619 |
| Average earning assets | $232,460,670 | 2,599 |
| Average equity | $24,884,670 | 2,649 |
| Average total loans | $143,362,000 | 3,091 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7982% | 3,317 |
| Cost of funding earning assets | 2.9152% | 741 |
| Net interest margin | 2.8830% | 6,793 |
| Noninterest income to average assets | 0.2402% | 6,535 |
| Noninterest expense to average assets | 2.1703% | 6,944 |
| Loan and lease loss provision to assets | 0.0362% | 6,490 |
| Net operating income to assets | 0.6861% | 3,629 |
| Return on assets (ROA) | 0.6861% | 3,810 |
| Pretax return on assets | 0.6861% | 4,480 |
| Return on Equity (ROE) | 6.7552% | 3,695 |
| Retained earnings to average equity (ytd only) | 6.7552% | 2,308 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0284% | 3,659 |
| Assets per employee ($millions) | 5.1319% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1923% | 8,112 |
| Loan loss allowance to noncurrent loans | 71.4653% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 6,882 |
| Noncurrent loans to loans | 0.2690% | 6,764 |
| Net loans and leases to total assets | 57.3906% | 6,041 |
| Net loans and leases to deposits | 72.0010% | 5,748 |
| Net loans and leases to core deposits | 104.6572% | 4,064 |
| Total domestic deposits to total assets | 79.7079% | 5,461 |
| Equity capital to assets | 9.9207% | 4,085 |
| Core capital (leverage) ratio | 9.8236% | 3,613 |
| Tier 1 risk-based capital ratio | 21.1986% | 1,419 |
| Total risk-based capital ratio | 21.4374% | 1,543 |
| Memoranda: | ||
| Average total assets | $243,096,000 | 2,733 |
| Average earning assets | $223,657,500 | 2,723 |
| Average equity | $24,692,000 | 2,684 |
| Average total loans | $136,439,500 | 3,239 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8352% | 6,314 |
| Cost of funding earning assets | 3.4505% | 598 |
| Net interest margin | 2.3846% | 7,862 |
| Noninterest income to average assets | 0.2072% | 6,955 |
| Noninterest expense to average assets | 2.0697% | 7,300 |
| Loan and lease loss provision to assets | 0.0595% | 6,666 |
| Net operating income to assets | 0.2820% | 5,605 |
| Return on assets (ROA) | 0.5396% | 4,424 |
| Pretax return on assets | 0.5396% | 4,883 |
| Return on Equity (ROE) | 5.0640% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.0640% | 1,992 |
| Net charge-offs to loans | 0.0329% | 6,365 |
| Credit loss provision to net charge-offs | 400.0000% | 1,094 |
| Earnings coverage of net charge-offs (x) | 22.9697% | 1,438 |
| Efficiency ratio | 85.8397% | 1,868 |
| Assets per employee ($millions) | 4.7904% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1988% | 8,161 |
| Loan loss allowance to noncurrent loans | 86.7347% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 6,805 |
| Noncurrent loans to loans | 0.2292% | 6,701 |
| Net loans and leases to total assets | 54.5438% | 6,595 |
| Net loans and leases to deposits | 69.0762% | 6,367 |
| Net loans and leases to core deposits | 97.9594% | 5,043 |
| Total domestic deposits to total assets | 78.9617% | 5,392 |
| Equity capital to assets | 10.4107% | 3,598 |
| Core capital (leverage) ratio | 10.3431% | 3,128 |
| Tier 1 risk-based capital ratio | 22.2324% | 1,291 |
| Total risk-based capital ratio | 22.4661% | 1,398 |
| Memoranda: | ||
| Average total assets | $222,009,400 | 2,852 |
| Average earning assets | $205,187,400 | 2,838 |
| Average equity | $23,657,200 | 2,771 |
| Average total loans | $100,221,400 | 3,941 |