Home > TransCapital Bank > Performance and Condition Ratios
TransCapital Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8641% | 314 |
| Cost of funding earning assets | 1.7590% | 164 |
| Net interest margin | 4.1050% | 1,598 |
| Noninterest income to average assets | 0.3202% | 3,830 |
| Noninterest expense to average assets | 1.7478% | 4,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.3785% | 199 |
| Return on assets (ROA) | 2.3785% | 208 |
| Pretax return on assets | 2.3785% | 321 |
| Return on Equity (ROE) | 13.0527% | 1,264 |
| Retained earnings to average equity (ytd only) | 7.7062% | 1,537 |
| Net charge-offs to loans | 0.0242% | 2,621 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 126.2617% | 623 |
| Efficiency ratio | 42.3579% | 5,069 |
| Assets per employee ($millions) | 11.5809% | 237 |
| Cash dividends to net income (ytd only)* | 40.9613% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 3,782 |
| Loan loss allowance to noncurrent loans | 410.4987% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4768% | 2,620 |
| Noncurrent loans to loans | 0.2337% | 3,704 |
| Net loans and leases to total assets | 77.4480% | 1,232 |
| Net loans and leases to deposits | 98.8538% | 731 |
| Net loans and leases to core deposits | 109.8699% | 955 |
| Total domestic deposits to total assets | 78.3460% | 4,296 |
| Equity capital to assets | 18.6620% | 333 |
| Core capital (leverage) ratio | 18.8272% | 302 |
| Tier 1 risk-based capital ratio | 24.4987% | 807 |
| Total risk-based capital ratio | 25.4868% | 811 |
| Memoranda: | ||
| Average total assets | $205,281,500 | 2,816 |
| Average earning assets | $190,330,000 | 2,814 |
| Average equity | $37,406,250 | 2,046 |
| Average total loans | $159,673,500 | 2,538 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9071% | 281 |
| Cost of funding earning assets | 1.7038% | 178 |
| Net interest margin | 4.2033% | 1,357 |
| Noninterest income to average assets | 0.3937% | 3,306 |
| Noninterest expense to average assets | 1.8754% | 4,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.4081% | 172 |
| Return on assets (ROA) | 2.4081% | 178 |
| Pretax return on assets | 2.4081% | 281 |
| Return on Equity (ROE) | 13.3251% | 1,148 |
| Retained earnings to average equity (ytd only) | 5.1968% | 2,672 |
| Net charge-offs to loans | 0.0378% | 2,129 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 81.9667% | 799 |
| Efficiency ratio | 43.7814% | 5,068 |
| Assets per employee ($millions) | 9.7122% | 365 |
| Cash dividends to net income (ytd only)* | 61.0004% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 3,753 |
| Loan loss allowance to noncurrent loans | 390.7500% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 1,783 |
| Noncurrent loans to loans | 0.2501% | 3,640 |
| Net loans and leases to total assets | 77.6404% | 1,284 |
| Net loans and leases to deposits | 98.9601% | 752 |
| Net loans and leases to core deposits | 109.3273% | 1,010 |
| Total domestic deposits to total assets | 78.4562% | 4,321 |
| Equity capital to assets | 18.4838% | 333 |
| Core capital (leverage) ratio | 18.4174% | 317 |
| Tier 1 risk-based capital ratio | 24.0777% | 840 |
| Total risk-based capital ratio | 25.0792% | 846 |
| Memoranda: | ||
| Average total assets | $204,223,330 | 2,839 |
| Average earning assets | $188,994,000 | 2,833 |
| Average equity | $36,907,670 | 2,066 |
| Average total loans | $158,561,670 | 2,557 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7601% | 334 |
| Cost of funding earning assets | 1.6225% | 209 |
| Net interest margin | 4.1376% | 1,459 |
| Noninterest income to average assets | 0.1135% | 5,035 |
| Noninterest expense to average assets | 1.8986% | 4,801 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0435% | 358 |
| Return on assets (ROA) | 2.0435% | 374 |
| Pretax return on assets | 2.0435% | 595 |
| Return on Equity (ROE) | 11.4373% | 1,764 |
| Retained earnings to average equity (ytd only) | -4.9956% | 4,925 |
| Net charge-offs to loans | -0.0051% | 4,031 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1629% | 4,938 |
| Assets per employee ($millions) | 9.3003% | 427 |
| Cash dividends to net income (ytd only)* | 143.6782% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 3,740 |
| Loan loss allowance to noncurrent loans | 385.2657% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.7859% | 1,791 |
| Noncurrent loans to loans | 0.2583% | 3,637 |
| Net loans and leases to total assets | 77.5412% | 1,230 |
| Net loans and leases to deposits | 99.7805% | 654 |
| Net loans and leases to core deposits | 110.2828% | 915 |
| Total domestic deposits to total assets | 77.7118% | 4,562 |
| Equity capital to assets | 17.7336% | 370 |
| Core capital (leverage) ratio | 17.4773% | 377 |
| Tier 1 risk-based capital ratio | 23.3518% | 901 |
| Total risk-based capital ratio | 24.3815% | 898 |
| Memoranda: | ||
| Average total assets | $204,356,500 | 2,859 |
| Average earning assets | $189,095,000 | 2,861 |
| Average equity | $36,512,000 | 2,077 |
| Average total loans | $157,884,500 | 2,586 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9021% | 1,281 |
| Cost of funding earning assets | 1.2396% | 289 |
| Net interest margin | 3.6625% | 3,184 |
| Noninterest income to average assets | 0.4855% | 2,909 |
| Noninterest expense to average assets | 1.7184% | 5,072 |
| Loan and lease loss provision to assets | -0.2465% | 5,350 |
| Net operating income to assets | 2.4159% | 166 |
| Return on assets (ROA) | 2.4159% | 165 |
| Pretax return on assets | 2.4159% | 241 |
| Return on Equity (ROE) | 14.0166% | 1,036 |
| Retained earnings to average equity (ytd only) | 8.2967% | 1,120 |
| Net charge-offs to loans | -0.0060% | 4,385 |
| Credit loss provision to net charge-offs | 5,555.5556% | 84 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1993% | 5,171 |
| Assets per employee ($millions) | 9.7194% | 370 |
| Cash dividends to net income (ytd only)* | 40.8080% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,532 |
| Loan loss allowance to noncurrent loans | 371.3287% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.7952% | 1,755 |
| Noncurrent loans to loans | 0.2758% | 3,583 |
| Net loans and leases to total assets | 75.4149% | 1,710 |
| Net loans and leases to deposits | 101.8919% | 600 |
| Net loans and leases to core deposits | 113.3491% | 808 |
| Total domestic deposits to total assets | 74.0146% | 4,947 |
| Equity capital to assets | 18.0004% | 345 |
| Core capital (leverage) ratio | 18.6841% | 279 |
| Tier 1 risk-based capital ratio | 24.4060% | 786 |
| Total risk-based capital ratio | 25.4675% | 788 |
| Memoranda: | ||
| Average total assets | $202,862,800 | 2,834 |
| Average earning assets | $188,451,600 | 2,844 |
| Average equity | $34,965,800 | 2,074 |
| Average total loans | $149,972,400 | 2,638 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7765% | 1,482 |
| Cost of funding earning assets | 1.1938% | 268 |
| Net interest margin | 3.5827% | 3,424 |
| Noninterest income to average assets | 0.6161% | 2,233 |
| Noninterest expense to average assets | 1.7411% | 5,094 |
| Loan and lease loss provision to assets | -0.3291% | 5,434 |
| Net operating income to assets | 2.5369% | 148 |
| Return on assets (ROA) | 2.5369% | 146 |
| Pretax return on assets | 2.5369% | 212 |
| Return on Equity (ROE) | 14.8847% | 897 |
| Retained earnings to average equity (ytd only) | 7.1604% | 2,041 |
| Net charge-offs to loans | -0.0063% | 4,271 |
| Credit loss provision to net charge-offs | 7,142.8571% | 49 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0907% | 5,208 |
| Assets per employee ($millions) | 9.0719% | 438 |
| Cash dividends to net income (ytd only)* | 51.8941% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 3,428 |
| Loan loss allowance to noncurrent loans | 318.8377% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.8598% | 1,719 |
| Noncurrent loans to loans | 0.3315% | 3,478 |
| Net loans and leases to total assets | 74.6188% | 1,884 |
| Net loans and leases to deposits | 94.6258% | 1,310 |
| Net loans and leases to core deposits | 105.9881% | 1,311 |
| Total domestic deposits to total assets | 78.8567% | 4,344 |
| Equity capital to assets | 17.8840% | 344 |
| Core capital (leverage) ratio | 17.9168% | 335 |
| Tier 1 risk-based capital ratio | 24.6459% | 784 |
| Total risk-based capital ratio | 25.7480% | 779 |
| Memoranda: | ||
| Average total assets | $202,551,750 | 2,856 |
| Average earning assets | $188,418,750 | 2,865 |
| Average equity | $34,522,250 | 2,099 |
| Average total loans | $148,585,500 | 2,678 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7551% | 1,368 |
| Cost of funding earning assets | 1.1484% | 231 |
| Net interest margin | 3.6067% | 3,284 |
| Noninterest income to average assets | 0.7841% | 1,521 |
| Noninterest expense to average assets | 1.7628% | 5,138 |
| Loan and lease loss provision to assets | -0.4913% | 5,511 |
| Net operating income to assets | 2.8702% | 92 |
| Return on assets (ROA) | 2.8702% | 92 |
| Pretax return on assets | 2.8702% | 133 |
| Return on Equity (ROE) | 17.1159% | 511 |
| Retained earnings to average equity (ytd only) | 5.3967% | 2,878 |
| Net charge-offs to loans | -0.0068% | 4,182 |
| Credit loss provision to net charge-offs | 10,000.0000% | 39 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5623% | 5,326 |
| Assets per employee ($millions) | 9.1186% | 425 |
| Cash dividends to net income (ytd only)* | 68.4697% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 3,304 |
| Loan loss allowance to noncurrent loans | 304.4061% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.8669% | 1,725 |
| Noncurrent loans to loans | 0.3593% | 3,407 |
| Net loans and leases to total assets | 71.6275% | 2,338 |
| Net loans and leases to deposits | 90.1574% | 1,819 |
| Net loans and leases to core deposits | 101.0478% | 1,650 |
| Total domestic deposits to total assets | 79.4472% | 4,359 |
| Equity capital to assets | 17.3272% | 374 |
| Core capital (leverage) ratio | 17.1473% | 379 |
| Tier 1 risk-based capital ratio | 24.7677% | 756 |
| Total risk-based capital ratio | 25.9035% | 747 |
| Memoranda: | ||
| Average total assets | $203,542,000 | 2,869 |
| Average earning assets | $189,482,330 | 2,858 |
| Average equity | $34,132,000 | 2,121 |
| Average total loans | $147,942,000 | 2,693 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6702% | 1,379 |
| Cost of funding earning assets | 1.0660% | 267 |
| Net interest margin | 3.6042% | 3,160 |
| Noninterest income to average assets | 0.2673% | 4,390 |
| Noninterest expense to average assets | 1.7560% | 5,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8692% | 487 |
| Return on assets (ROA) | 1.8692% | 491 |
| Pretax return on assets | 1.8692% | 778 |
| Return on Equity (ROE) | 11.3312% | 1,843 |
| Retained earnings to average equity (ytd only) | -0.4968% | 4,859 |
| Net charge-offs to loans | -0.0054% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4392% | 5,173 |
| Assets per employee ($millions) | 10.3584% | 284 |
| Cash dividends to net income (ytd only)* | 104.3841% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 1,921 |
| Loan loss allowance to noncurrent loans | 227.7293% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 1.0697% | 1,458 |
| Noncurrent loans to loans | 0.6054% | 2,735 |
| Net loans and leases to total assets | 72.0232% | 2,166 |
| Net loans and leases to deposits | 89.4753% | 1,752 |
| Net loans and leases to core deposits | 99.7933% | 1,708 |
| Total domestic deposits to total assets | 80.4951% | 4,324 |
| Equity capital to assets | 16.3138% | 464 |
| Core capital (leverage) ratio | 16.5793% | 424 |
| Tier 1 risk-based capital ratio | 23.0407% | 939 |
| Total risk-based capital ratio | 24.2930% | 913 |
| Memoranda: | ||
| Average total assets | $205,008,000 | 2,888 |
| Average earning assets | $191,000,000 | 2,870 |
| Average equity | $33,818,000 | 2,149 |
| Average total loans | $149,272,500 | 2,696 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7264% | 1,134 |
| Cost of funding earning assets | 0.9067% | 360 |
| Net interest margin | 3.8197% | 2,353 |
| Noninterest income to average assets | 0.4325% | 3,418 |
| Noninterest expense to average assets | 1.8503% | 5,195 |
| Loan and lease loss provision to assets | -0.2584% | 5,606 |
| Net operating income to assets | 2.3407% | 150 |
| Return on assets (ROA) | 2.3407% | 150 |
| Pretax return on assets | 2.3407% | 248 |
| Return on Equity (ROE) | 14.0976% | 747 |
| Retained earnings to average equity (ytd only) | 10.9855% | 251 |
| Net charge-offs to loans | -0.0628% | 5,247 |
| Credit loss provision to net charge-offs | 561.7978% | 576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0503% | 5,359 |
| Assets per employee ($millions) | 8.4520% | 542 |
| Cash dividends to net income (ytd only)* | 22.0751% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 1,704 |
| Loan loss allowance to noncurrent loans | 112.2845% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 1.2704% | 1,148 |
| Noncurrent loans to loans | 1.2604% | 1,397 |
| Net loans and leases to total assets | 71.5639% | 2,288 |
| Net loans and leases to deposits | 91.6290% | 1,577 |
| Net loans and leases to core deposits | 99.4826% | 1,752 |
| Total domestic deposits to total assets | 78.1018% | 4,700 |
| Equity capital to assets | 16.6819% | 431 |
| Core capital (leverage) ratio | 17.1404% | 362 |
| Tier 1 risk-based capital ratio | 23.5277% | 855 |
| Total risk-based capital ratio | 24.7799% | 839 |
| Memoranda: | ||
| Average total assets | $193,533,600 | 2,979 |
| Average earning assets | $177,345,800 | 2,991 |
| Average equity | $32,133,200 | 2,212 |
| Average total loans | $141,707,000 | 2,753 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8197% | 890 |
| Cost of funding earning assets | 0.8953% | 358 |
| Net interest margin | 3.9244% | 1,955 |
| Noninterest income to average assets | 0.5446% | 2,752 |
| Noninterest expense to average assets | 1.8925% | 5,143 |
| Loan and lease loss provision to assets | -0.2092% | 5,659 |
| Net operating income to assets | 2.4406% | 149 |
| Return on assets (ROA) | 2.4406% | 150 |
| Pretax return on assets | 2.4406% | 236 |
| Return on Equity (ROE) | 14.7178% | 697 |
| Retained earnings to average equity (ytd only) | 10.5127% | 489 |
| Net charge-offs to loans | -0.0779% | 5,309 |
| Credit loss provision to net charge-offs | 365.8537% | 837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8911% | 5,425 |
| Assets per employee ($millions) | 9.0338% | 436 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 1,189 |
| Loan loss allowance to noncurrent loans | 119.9684% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 1.4758% | 1,037 |
| Noncurrent loans to loans | 1.3522% | 1,397 |
| Net loans and leases to total assets | 69.4808% | 2,635 |
| Net loans and leases to deposits | 83.8326% | 2,577 |
| Net loans and leases to core deposits | 90.6738% | 2,554 |
| Total domestic deposits to total assets | 82.8805% | 3,496 |
| Equity capital to assets | 16.7598% | 451 |
| Core capital (leverage) ratio | 17.4805% | 345 |
| Tier 1 risk-based capital ratio | 24.2750% | 821 |
| Total risk-based capital ratio | 25.5307% | 798 |
| Memoranda: | ||
| Average total assets | $191,205,000 | 3,036 |
| Average earning assets | $174,391,250 | 3,048 |
| Average equity | $31,706,750 | 2,252 |
| Average total loans | $140,321,250 | 2,795 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 774 |
| Cost of funding earning assets | 0.9006% | 300 |
| Net interest margin | 3.9475% | 1,788 |
| Noninterest income to average assets | 0.6752% | 2,098 |
| Noninterest expense to average assets | 1.9609% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.2916% | 185 |
| Return on assets (ROA) | 2.2916% | 183 |
| Pretax return on assets | 2.2916% | 305 |
| Return on Equity (ROE) | 13.8711% | 831 |
| Retained earnings to average equity (ytd only) | 7.4552% | 1,371 |
| Net charge-offs to loans | -0.1140% | 5,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1117% | 5,458 |
| Assets per employee ($millions) | 7.5258% | 732 |
| Cash dividends to net income (ytd only)* | 46.2535% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8033% | 880 |
| Loan loss allowance to noncurrent loans | 179.5676% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 1.3277% | 1,225 |
| Noncurrent loans to loans | 1.0043% | 1,952 |
| Net loans and leases to total assets | 74.5264% | 1,774 |
| Net loans and leases to deposits | 90.1607% | 1,705 |
| Net loans and leases to core deposits | 97.5490% | 1,847 |
| Total domestic deposits to total assets | 82.6596% | 3,665 |
| Equity capital to assets | 16.9928% | 406 |
| Core capital (leverage) ratio | 16.9076% | 377 |
| Tier 1 risk-based capital ratio | 22.6470% | 978 |
| Total risk-based capital ratio | 23.9036% | 963 |
| Memoranda: | ||
| Average total assets | $188,692,000 | 3,072 |
| Average earning assets | $170,992,330 | 3,097 |
| Average equity | $31,172,670 | 2,280 |
| Average total loans | $140,306,330 | 2,796 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0837% | 458 |
| Cost of funding earning assets | 0.9110% | 262 |
| Net interest margin | 4.1727% | 1,043 |
| Noninterest income to average assets | 0.1820% | 5,181 |
| Noninterest expense to average assets | 1.8374% | 5,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.0871% | 266 |
| Return on assets (ROA) | 2.0871% | 273 |
| Pretax return on assets | 2.0871% | 421 |
| Return on Equity (ROE) | 12.8162% | 1,038 |
| Retained earnings to average equity (ytd only) | -0.1820% | 4,948 |
| Net charge-offs to loans | -0.0058% | 4,226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8177% | 5,503 |
| Assets per employee ($millions) | 7.5731% | 732 |
| Cash dividends to net income (ytd only)* | 101.4199% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7974% | 964 |
| Loan loss allowance to noncurrent loans | 171.4482% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 4.2825% | 164 |
| Noncurrent loans to loans | 1.0484% | 1,963 |
| Net loans and leases to total assets | 72.0853% | 2,064 |
| Net loans and leases to deposits | 86.4391% | 1,982 |
| Net loans and leases to core deposits | 94.5577% | 1,928 |
| Total domestic deposits to total assets | 83.3943% | 3,705 |
| Equity capital to assets | 16.2655% | 456 |
| Core capital (leverage) ratio | 16.1515% | 448 |
| Tier 1 risk-based capital ratio | 21.8898% | 1,098 |
| Total risk-based capital ratio | 23.1465% | 1,073 |
| Memoranda: | ||
| Average total assets | $188,966,000 | 3,094 |
| Average earning assets | $169,482,500 | 3,138 |
| Average equity | $30,773,500 | 2,313 |
| Average total loans | $139,063,500 | 2,836 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6253% | 1,222 |
| Cost of funding earning assets | 0.8819% | 327 |
| Net interest margin | 3.7435% | 2,526 |
| Noninterest income to average assets | 0.1390% | 5,494 |
| Noninterest expense to average assets | 2.0053% | 5,177 |
| Loan and lease loss provision to assets | -0.2791% | 5,831 |
| Net operating income to assets | 1.7401% | 497 |
| Return on assets (ROA) | 1.7401% | 523 |
| Pretax return on assets | 1.7401% | 914 |
| Return on Equity (ROE) | 10.6350% | 1,713 |
| Retained earnings to average equity (ytd only) | 8.5878% | 669 |
| Net charge-offs to loans | 0.0273% | 3,486 |
| Credit loss provision to net charge-offs | -1,428.5714% | 5,345 |
| Earnings coverage of net charge-offs (x) | 74.7714% | 755 |
| Efficiency ratio | 57.8515% | 4,871 |
| Assets per employee ($millions) | 8.2002% | 553 |
| Cash dividends to net income (ytd only)* | 19.2493% | 3,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7930% | 957 |
| Loan loss allowance to noncurrent loans | 111.2846% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 5.1557% | 117 |
| Noncurrent loans to loans | 1.6112% | 1,218 |
| Net loans and leases to total assets | 72.4567% | 2,101 |
| Net loans and leases to deposits | 86.9297% | 2,059 |
| Net loans and leases to core deposits | 94.7618% | 2,037 |
| Total domestic deposits to total assets | 83.3509% | 3,646 |
| Equity capital to assets | 16.3050% | 458 |
| Core capital (leverage) ratio | 16.7252% | 377 |
| Tier 1 risk-based capital ratio | 21.5872% | 1,130 |
| Total risk-based capital ratio | 22.8437% | 1,111 |
| Memoranda: | ||
| Average total assets | $179,124,600 | 3,173 |
| Average earning assets | $159,210,600 | 3,249 |
| Average equity | $29,309,000 | 2,423 |
| Average total loans | $128,076,200 | 2,951 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4265% | 1,769 |
| Cost of funding earning assets | 0.8771% | 326 |
| Net interest margin | 3.5493% | 3,274 |
| Noninterest income to average assets | 0.1810% | 5,374 |
| Noninterest expense to average assets | 2.0404% | 5,126 |
| Loan and lease loss provision to assets | -0.3772% | 5,930 |
| Net operating income to assets | 1.6678% | 637 |
| Return on assets (ROA) | 1.6678% | 677 |
| Pretax return on assets | 1.6678% | 1,206 |
| Return on Equity (ROE) | 10.1834% | 1,979 |
| Retained earnings to average equity (ytd only) | 7.4200% | 1,431 |
| Net charge-offs to loans | 0.0436% | 2,769 |
| Credit loss provision to net charge-offs | -1,219.5122% | 5,248 |
| Earnings coverage of net charge-offs (x) | 41.7282% | 1,203 |
| Efficiency ratio | 61.2545% | 4,342 |
| Assets per employee ($millions) | 7.6033% | 694 |
| Cash dividends to net income (ytd only)* | 27.1370% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8807% | 879 |
| Loan loss allowance to noncurrent loans | 118.4110% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 5.2987% | 130 |
| Noncurrent loans to loans | 1.5883% | 1,364 |
| Net loans and leases to total assets | 71.1609% | 2,325 |
| Net loans and leases to deposits | 85.6872% | 2,294 |
| Net loans and leases to core deposits | 94.0119% | 2,193 |
| Total domestic deposits to total assets | 83.0473% | 3,574 |
| Equity capital to assets | 16.3285% | 508 |
| Core capital (leverage) ratio | 16.3745% | 429 |
| Tier 1 risk-based capital ratio | 22.2363% | 1,105 |
| Total risk-based capital ratio | 23.4938% | 1,086 |
| Memoranda: | ||
| Average total assets | $176,754,500 | 3,217 |
| Average earning assets | $156,871,000 | 3,294 |
| Average equity | $28,948,250 | 2,460 |
| Average total loans | $125,307,250 | 2,996 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4551% | 1,657 |
| Cost of funding earning assets | 0.8598% | 358 |
| Net interest margin | 3.5953% | 3,115 |
| Noninterest income to average assets | 0.2116% | 5,226 |
| Noninterest expense to average assets | 2.1322% | 4,988 |
| Loan and lease loss provision to assets | -0.5719% | 6,026 |
| Net operating income to assets | 1.8370% | 447 |
| Return on assets (ROA) | 1.8370% | 472 |
| Pretax return on assets | 1.8370% | 808 |
| Return on Equity (ROE) | 11.2050% | 1,572 |
| Retained earnings to average equity (ytd only) | 7.0188% | 1,588 |
| Net charge-offs to loans | 0.0781% | 2,078 |
| Credit loss provision to net charge-offs | -1,041.6667% | 5,102 |
| Earnings coverage of net charge-offs (x) | 23.0417% | 1,605 |
| Efficiency ratio | 62.7609% | 4,216 |
| Assets per employee ($millions) | 7.8000% | 615 |
| Cash dividends to net income (ytd only)* | 37.3599% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9729% | 781 |
| Loan loss allowance to noncurrent loans | 118.4160% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 5.4543% | 123 |
| Noncurrent loans to loans | 1.6660% | 1,276 |
| Net loans and leases to total assets | 68.7430% | 2,672 |
| Net loans and leases to deposits | 82.7590% | 2,623 |
| Net loans and leases to core deposits | 90.4248% | 2,498 |
| Total domestic deposits to total assets | 83.0641% | 3,623 |
| Equity capital to assets | 16.2715% | 504 |
| Core capital (leverage) ratio | 16.4892% | 407 |
| Tier 1 risk-based capital ratio | 22.4496% | 1,084 |
| Total risk-based capital ratio | 23.7086% | 1,067 |
| Memoranda: | ||
| Average total assets | $174,846,670 | 3,254 |
| Average earning assets | $154,924,330 | 3,338 |
| Average equity | $28,665,670 | 2,483 |
| Average total loans | $122,962,330 | 3,037 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5588% | 1,362 |
| Cost of funding earning assets | 0.8432% | 397 |
| Net interest margin | 3.7157% | 2,606 |
| Noninterest income to average assets | 0.1113% | 5,784 |
| Noninterest expense to average assets | 2.1603% | 5,003 |
| Loan and lease loss provision to assets | -1.1589% | 6,109 |
| Net operating income to assets | 2.3990% | 183 |
| Return on assets (ROA) | 2.3990% | 191 |
| Pretax return on assets | 2.3990% | 281 |
| Return on Equity (ROE) | 14.5759% | 733 |
| Retained earnings to average equity (ytd only) | 6.1261% | 2,316 |
| Net charge-offs to loans | -0.1152% | 5,692 |
| Credit loss provision to net charge-offs | 1,428.5714% | 293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5310% | 4,207 |
| Assets per employee ($millions) | 7.3246% | 766 |
| Cash dividends to net income (ytd only)* | 57.9710% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1329% | 649 |
| Loan loss allowance to noncurrent loans | 108.4567% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 5.7523% | 127 |
| Noncurrent loans to loans | 1.9666% | 1,097 |
| Net loans and leases to total assets | 66.9509% | 2,813 |
| Net loans and leases to deposits | 80.6100% | 2,713 |
| Net loans and leases to core deposits | 87.5360% | 2,607 |
| Total domestic deposits to total assets | 83.0554% | 3,870 |
| Equity capital to assets | 16.2814% | 499 |
| Core capital (leverage) ratio | 16.8172% | 385 |
| Tier 1 risk-based capital ratio | 22.3277% | 1,116 |
| Total risk-based capital ratio | 23.5868% | 1,092 |
| Memoranda: | ||
| Average total assets | $172,570,000 | 3,298 |
| Average earning assets | $152,759,000 | 3,380 |
| Average equity | $28,403,000 | 2,494 |
| Average total loans | $121,540,000 | 3,061 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 1,112 |
| Cost of funding earning assets | 0.8515% | 367 |
| Net interest margin | 3.8466% | 2,212 |
| Noninterest income to average assets | 0.6644% | 2,382 |
| Noninterest expense to average assets | 2.2696% | 4,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.7504% | 531 |
| Return on assets (ROA) | 1.7504% | 549 |
| Pretax return on assets | 1.7504% | 890 |
| Return on Equity (ROE) | 11.2486% | 1,530 |
| Retained earnings to average equity (ytd only) | 11.2486% | 320 |
| Net charge-offs to loans | 0.3572% | 829 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 7.0918% | 3,119 |
| Efficiency ratio | 56.4577% | 5,304 |
| Assets per employee ($millions) | 7.3630% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4670% | 416 |
| Loan loss allowance to noncurrent loans | 129.4872% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 5.9179% | 138 |
| Noncurrent loans to loans | 1.9052% | 1,124 |
| Net loans and leases to total assets | 70.7363% | 2,257 |
| Net loans and leases to deposits | 85.5382% | 2,182 |
| Net loans and leases to core deposits | 91.4101% | 2,281 |
| Total domestic deposits to total assets | 82.6956% | 3,945 |
| Equity capital to assets | 16.6430% | 445 |
| Core capital (leverage) ratio | 16.2111% | 441 |
| Tier 1 risk-based capital ratio | 21.3626% | 1,238 |
| Total risk-based capital ratio | 22.6254% | 1,219 |
| Memoranda: | ||
| Average total assets | $172,191,600 | 3,272 |
| Average earning assets | $150,212,200 | 3,401 |
| Average equity | $26,794,400 | 2,569 |
| Average total loans | $118,980,200 | 3,063 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7288% | 1,050 |
| Cost of funding earning assets | 0.8474% | 379 |
| Net interest margin | 3.8813% | 2,094 |
| Noninterest income to average assets | 0.9107% | 1,422 |
| Noninterest expense to average assets | 2.2579% | 4,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.0258% | 350 |
| Return on assets (ROA) | 2.0258% | 368 |
| Pretax return on assets | 2.0258% | 571 |
| Return on Equity (ROE) | 13.2439% | 1,069 |
| Retained earnings to average equity (ytd only) | 13.2439% | 262 |
| Net charge-offs to loans | 0.4880% | 495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6.0810% | 3,108 |
| Efficiency ratio | 52.7093% | 5,601 |
| Assets per employee ($millions) | 7.1888% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4395% | 477 |
| Loan loss allowance to noncurrent loans | 125.8011% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 5.7601% | 149 |
| Noncurrent loans to loans | 1.9392% | 1,198 |
| Net loans and leases to total assets | 67.2691% | 2,809 |
| Net loans and leases to deposits | 80.2624% | 2,852 |
| Net loans and leases to core deposits | 85.5156% | 2,899 |
| Total domestic deposits to total assets | 83.8115% | 3,503 |
| Equity capital to assets | 15.4674% | 650 |
| Core capital (leverage) ratio | 15.5543% | 547 |
| Tier 1 risk-based capital ratio | 21.3588% | 1,282 |
| Total risk-based capital ratio | 22.6219% | 1,263 |
| Memoranda: | ||
| Average total assets | $172,902,000 | 3,287 |
| Average earning assets | $150,253,750 | 3,430 |
| Average equity | $26,446,750 | 2,619 |
| Average total loans | $118,019,750 | 3,106 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6823% | 1,109 |
| Cost of funding earning assets | 0.8404% | 400 |
| Net interest margin | 3.8418% | 2,165 |
| Noninterest income to average assets | 1.4593% | 596 |
| Noninterest expense to average assets | 2.8975% | 2,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8731% | 450 |
| Return on assets (ROA) | 1.8731% | 468 |
| Pretax return on assets | 1.8731% | 781 |
| Return on Equity (ROE) | 12.2940% | 1,283 |
| Retained earnings to average equity (ytd only) | 12.2940% | 368 |
| Net charge-offs to loans | 0.7565% | 294 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.6401% | 3,163 |
| Efficiency ratio | 60.7371% | 4,872 |
| Assets per employee ($millions) | 7.0088% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5468% | 463 |
| Loan loss allowance to noncurrent loans | 106.6855% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 7.1618% | 121 |
| Noncurrent loans to loans | 2.3872% | 962 |
| Net loans and leases to total assets | 65.8631% | 2,978 |
| Net loans and leases to deposits | 78.3939% | 2,981 |
| Net loans and leases to core deposits | 83.0474% | 3,077 |
| Total domestic deposits to total assets | 84.0156% | 3,556 |
| Equity capital to assets | 15.2773% | 653 |
| Core capital (leverage) ratio | 15.3734% | 564 |
| Tier 1 risk-based capital ratio | 21.0660% | 1,347 |
| Total risk-based capital ratio | 22.3299% | 1,322 |
| Memoranda: | ||
| Average total assets | $170,629,330 | 3,337 |
| Average earning assets | $147,065,000 | 3,502 |
| Average equity | $25,996,330 | 2,656 |
| Average total loans | $116,053,330 | 3,153 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9369% | 643 |
| Cost of funding earning assets | 0.8298% | 421 |
| Net interest margin | 4.1071% | 1,259 |
| Noninterest income to average assets | 1.6182% | 475 |
| Noninterest expense to average assets | 3.0368% | 2,461 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0863% | 285 |
| Return on assets (ROA) | 2.0863% | 307 |
| Pretax return on assets | 2.0863% | 494 |
| Return on Equity (ROE) | 13.7134% | 935 |
| Retained earnings to average equity (ytd only) | 13.7134% | 381 |
| Net charge-offs to loans | 1.5043% | 126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.0324% | 2,831 |
| Efficiency ratio | 59.2764% | 5,183 |
| Assets per employee ($millions) | 6.2876% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6613% | 425 |
| Loan loss allowance to noncurrent loans | 104.8924% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 8.5188% | 89 |
| Noncurrent loans to loans | 2.5372% | 953 |
| Net loans and leases to total assets | 65.1306% | 2,915 |
| Net loans and leases to deposits | 77.5912% | 2,862 |
| Net loans and leases to core deposits | 81.5959% | 2,996 |
| Total domestic deposits to total assets | 83.9407% | 3,838 |
| Equity capital to assets | 15.3442% | 652 |
| Core capital (leverage) ratio | 15.4716% | 540 |
| Tier 1 risk-based capital ratio | 20.6915% | 1,481 |
| Total risk-based capital ratio | 21.9553% | 1,449 |
| Memoranda: | ||
| Average total assets | $168,333,500 | 3,395 |
| Average earning assets | $143,653,500 | 3,568 |
| Average equity | $25,610,000 | 2,693 |
| Average total loans | $114,869,000 | 3,178 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8521% | 1,010 |
| Cost of funding earning assets | 0.8084% | 625 |
| Net interest margin | 4.0438% | 1,759 |
| Noninterest income to average assets | 0.3185% | 4,841 |
| Noninterest expense to average assets | 2.5242% | 4,468 |
| Loan and lease loss provision to assets | -0.0580% | 6,059 |
| Net operating income to assets | 1.3349% | 1,220 |
| Return on assets (ROA) | 1.3349% | 1,272 |
| Pretax return on assets | 1.3349% | 2,127 |
| Return on Equity (ROE) | 9.5688% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.5688% | 590 |
| Net charge-offs to loans | 0.3937% | 1,090 |
| Credit loss provision to net charge-offs | -20.8333% | 5,357 |
| Earnings coverage of net charge-offs (x) | 4.5854% | 3,614 |
| Efficiency ratio | 66.4072% | 4,179 |
| Assets per employee ($millions) | 5.9608% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9747% | 308 |
| Loan loss allowance to noncurrent loans | 61.2046% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 11.5619% | 63 |
| Noncurrent loans to loans | 4.8603% | 315 |
| Net loans and leases to total assets | 67.5193% | 2,643 |
| Net loans and leases to deposits | 80.1934% | 2,690 |
| Net loans and leases to core deposits | 84.7071% | 2,822 |
| Total domestic deposits to total assets | 84.1955% | 3,629 |
| Equity capital to assets | 15.0813% | 695 |
| Core capital (leverage) ratio | 15.0464% | 607 |
| Tier 1 risk-based capital ratio | 19.5008% | 1,726 |
| Total risk-based capital ratio | 20.7682% | 1,690 |
| Memoranda: | ||
| Average total assets | $172,368,600 | 3,302 |
| Average earning assets | $148,450,200 | 3,471 |
| Average equity | $24,046,800 | 2,754 |
| Average total loans | $121,926,000 | 3,004 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9102% | 910 |
| Cost of funding earning assets | 0.7999% | 685 |
| Net interest margin | 4.1103% | 1,546 |
| Noninterest income to average assets | 0.2832% | 5,178 |
| Noninterest expense to average assets | 2.4980% | 4,529 |
| Loan and lease loss provision to assets | -0.0767% | 6,241 |
| Net operating income to assets | 1.4190% | 1,094 |
| Return on assets (ROA) | 1.4190% | 1,132 |
| Pretax return on assets | 1.4190% | 1,934 |
| Return on Equity (ROE) | 10.3732% | 2,044 |
| Retained earnings to average equity (ytd only) | 10.3732% | 619 |
| Net charge-offs to loans | -0.1870% | 6,295 |
| Credit loss provision to net charge-offs | 57.8035% | 2,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0480% | 4,362 |
| Assets per employee ($millions) | 6.3952% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3772% | 253 |
| Loan loss allowance to noncurrent loans | 35.1411% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 12.7776% | 54 |
| Noncurrent loans to loans | 9.6105% | 82 |
| Net loans and leases to total assets | 70.6841% | 2,082 |
| Net loans and leases to deposits | 83.8649% | 2,171 |
| Net loans and leases to core deposits | 88.2576% | 2,398 |
| Total domestic deposits to total assets | 84.2833% | 3,646 |
| Equity capital to assets | 14.8663% | 760 |
| Core capital (leverage) ratio | 14.8700% | 643 |
| Tier 1 risk-based capital ratio | 18.9720% | 1,912 |
| Total risk-based capital ratio | 20.2453% | 1,874 |
| Memoranda: | ||
| Average total assets | $173,735,250 | 3,313 |
| Average earning assets | $150,349,250 | 3,460 |
| Average equity | $23,765,750 | 2,785 |
| Average total loans | $123,371,000 | 3,002 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6204% | 1,475 |
| Cost of funding earning assets | 0.8088% | 671 |
| Net interest margin | 3.8116% | 2,529 |
| Noninterest income to average assets | 0.3507% | 4,620 |
| Noninterest expense to average assets | 2.4469% | 4,747 |
| Loan and lease loss provision to assets | -0.1135% | 6,394 |
| Net operating income to assets | 1.3120% | 1,274 |
| Return on assets (ROA) | 1.3120% | 1,324 |
| Pretax return on assets | 1.3120% | 2,211 |
| Return on Equity (ROE) | 9.8601% | 2,218 |
| Retained earnings to average equity (ytd only) | 9.8601% | 753 |
| Net charge-offs to loans | -0.1468% | 6,261 |
| Credit loss provision to net charge-offs | 109.8901% | 1,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1233% | 4,174 |
| Assets per employee ($millions) | 6.4093% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2349% | 292 |
| Loan loss allowance to noncurrent loans | 28.4603% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 15.0334% | 37 |
| Noncurrent loans to loans | 11.3663% | 54 |
| Net loans and leases to total assets | 72.2687% | 1,692 |
| Net loans and leases to deposits | 85.3031% | 1,887 |
| Net loans and leases to core deposits | 90.1011% | 2,118 |
| Total domestic deposits to total assets | 84.7199% | 3,629 |
| Equity capital to assets | 14.4177% | 841 |
| Core capital (leverage) ratio | 13.9594% | 844 |
| Tier 1 risk-based capital ratio | 17.8257% | 2,299 |
| Total risk-based capital ratio | 19.0974% | 2,264 |
| Memoranda: | ||
| Average total assets | $176,222,000 | 3,293 |
| Average earning assets | $152,325,330 | 3,439 |
| Average equity | $23,448,000 | 2,807 |
| Average total loans | $123,948,670 | 2,992 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8723% | 910 |
| Cost of funding earning assets | 0.8206% | 667 |
| Net interest margin | 4.0517% | 1,594 |
| Noninterest income to average assets | 0.2298% | 5,517 |
| Noninterest expense to average assets | 2.6761% | 4,017 |
| Loan and lease loss provision to assets | -0.2210% | 6,580 |
| Net operating income to assets | 1.2773% | 1,273 |
| Return on assets (ROA) | 1.2773% | 1,325 |
| Pretax return on assets | 1.2773% | 2,187 |
| Return on Equity (ROE) | 9.9832% | 2,046 |
| Retained earnings to average equity (ytd only) | 9.9832% | 967 |
| Net charge-offs to loans | -0.4107% | 6,522 |
| Credit loss provision to net charge-offs | 78.7402% | 1,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6992% | 3,543 |
| Assets per employee ($millions) | 7.3564% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4118% | 287 |
| Loan loss allowance to noncurrent loans | 23.1916% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 17.1557% | 31 |
| Noncurrent loans to loans | 14.7114% | 43 |
| Net loans and leases to total assets | 65.1330% | 2,714 |
| Net loans and leases to deposits | 75.6631% | 2,847 |
| Net loans and leases to core deposits | 79.5675% | 3,026 |
| Total domestic deposits to total assets | 86.0830% | 3,324 |
| Equity capital to assets | 13.2809% | 1,177 |
| Core capital (leverage) ratio | 12.8723% | 1,214 |
| Tier 1 risk-based capital ratio | 17.4772% | 2,482 |
| Total risk-based capital ratio | 18.7496% | 2,449 |
| Memoranda: | ||
| Average total assets | $181,012,000 | 3,265 |
| Average earning assets | $156,477,000 | 3,397 |
| Average equity | $23,159,000 | 2,827 |
| Average total loans | $123,695,000 | 2,996 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6473% | 1,724 |
| Cost of funding earning assets | 0.9101% | 695 |
| Net interest margin | 3.7372% | 2,908 |
| Noninterest income to average assets | 0.1089% | 6,358 |
| Noninterest expense to average assets | 2.3647% | 5,183 |
| Loan and lease loss provision to assets | -0.1773% | 6,577 |
| Net operating income to assets | 1.1846% | 1,624 |
| Return on assets (ROA) | 1.1857% | 1,689 |
| Pretax return on assets | 1.1857% | 2,637 |
| Return on Equity (ROE) | 12.2015% | 1,355 |
| Retained earnings to average equity (ytd only) | 12.2015% | 299 |
| Net charge-offs to loans | 0.5100% | 1,295 |
| Credit loss provision to net charge-offs | -46.2351% | 5,788 |
| Earnings coverage of net charge-offs (x) | 2.6275% | 4,120 |
| Efficiency ratio | 70.1262% | 3,821 |
| Assets per employee ($millions) | 7.7279% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1442% | 399 |
| Loan loss allowance to noncurrent loans | 20.7883% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 16.7299% | 32 |
| Noncurrent loans to loans | 15.1247% | 40 |
| Net loans and leases to total assets | 67.0178% | 2,516 |
| Net loans and leases to deposits | 76.9376% | 2,862 |
| Net loans and leases to core deposits | 81.3256% | 2,973 |
| Total domestic deposits to total assets | 87.1068% | 2,667 |
| Equity capital to assets | 12.3308% | 1,606 |
| Core capital (leverage) ratio | 12.0102% | 1,605 |
| Tier 1 risk-based capital ratio | 16.3622% | 2,928 |
| Total risk-based capital ratio | 17.6322% | 2,869 |
| Memoranda: | ||
| Average total assets | $197,443,200 | 3,060 |
| Average earning assets | $172,402,000 | 3,183 |
| Average equity | $19,186,200 | 3,259 |
| Average total loans | $148,432,800 | 2,581 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7643% | 1,430 |
| Cost of funding earning assets | 0.9210% | 738 |
| Net interest margin | 3.8433% | 2,492 |
| Noninterest income to average assets | 0.3047% | 5,267 |
| Noninterest expense to average assets | 2.4160% | 4,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2472% | 1,492 |
| Return on assets (ROA) | 1.2486% | 1,562 |
| Pretax return on assets | 1.2486% | 2,517 |
| Return on Equity (ROE) | 13.7014% | 1,067 |
| Retained earnings to average equity (ytd only) | 13.7014% | 278 |
| Net charge-offs to loans | 0.7880% | 747 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 2.0673% | 4,145 |
| Efficiency ratio | 65.9524% | 4,491 |
| Assets per employee ($millions) | 8.1272% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9030% | 615 |
| Loan loss allowance to noncurrent loans | 22.5254% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 15.6865% | 44 |
| Noncurrent loans to loans | 12.8875% | 67 |
| Net loans and leases to total assets | 72.6218% | 1,513 |
| Net loans and leases to deposits | 82.6647% | 2,049 |
| Net loans and leases to core deposits | 87.8265% | 2,214 |
| Total domestic deposits to total assets | 87.8510% | 2,220 |
| Equity capital to assets | 11.4871% | 2,316 |
| Core capital (leverage) ratio | 11.1449% | 2,348 |
| Tier 1 risk-based capital ratio | 14.6915% | 3,957 |
| Total risk-based capital ratio | 15.9603% | 3,906 |
| Memoranda: | ||
| Average total assets | $200,436,500 | 3,051 |
| Average earning assets | $175,159,250 | 3,173 |
| Average equity | $18,265,250 | 3,410 |
| Average total loans | $153,457,750 | 2,523 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7040% | 1,558 |
| Cost of funding earning assets | 0.9234% | 804 |
| Net interest margin | 3.7807% | 2,634 |
| Noninterest income to average assets | 0.1236% | 6,435 |
| Noninterest expense to average assets | 2.3557% | 5,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0681% | 2,040 |
| Return on assets (ROA) | 1.0701% | 2,151 |
| Pretax return on assets | 1.0701% | 3,219 |
| Return on Equity (ROE) | 12.8161% | 1,283 |
| Retained earnings to average equity (ytd only) | 12.8161% | 404 |
| Net charge-offs to loans | 0.4988% | 1,311 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.7763% | 3,590 |
| Efficiency ratio | 68.8042% | 4,039 |
| Assets per employee ($millions) | 8.1612% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1241% | 513 |
| Loan loss allowance to noncurrent loans | 21.2520% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 17.0837% | 35 |
| Noncurrent loans to loans | 14.7004% | 53 |
| Net loans and leases to total assets | 72.2371% | 1,533 |
| Net loans and leases to deposits | 81.3101% | 2,141 |
| Net loans and leases to core deposits | 86.2471% | 2,309 |
| Total domestic deposits to total assets | 88.8414% | 1,715 |
| Equity capital to assets | 10.5920% | 3,182 |
| Core capital (leverage) ratio | 10.8067% | 2,553 |
| Tier 1 risk-based capital ratio | 13.5928% | 4,715 |
| Total risk-based capital ratio | 14.8646% | 4,662 |
| Memoranda: | ||
| Average total assets | $202,231,000 | 3,046 |
| Average earning assets | $176,530,000 | 3,165 |
| Average equity | $16,885,000 | 3,639 |
| Average total loans | $155,981,670 | 2,492 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7136% | 1,497 |
| Cost of funding earning assets | 0.9350% | 831 |
| Net interest margin | 3.7786% | 2,531 |
| Noninterest income to average assets | 0.1033% | 6,561 |
| Noninterest expense to average assets | 2.5610% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8344% | 2,988 |
| Return on assets (ROA) | 0.8384% | 3,099 |
| Pretax return on assets | 0.8384% | 4,005 |
| Return on Equity (ROE) | 11.6237% | 1,524 |
| Retained earnings to average equity (ytd only) | 11.6237% | 760 |
| Net charge-offs to loans | 0.0583% | 3,239 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 18.2609% | 1,271 |
| Efficiency ratio | 75.4242% | 3,019 |
| Assets per employee ($millions) | 7.9526% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2501% | 519 |
| Loan loss allowance to noncurrent loans | 21.6833% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 18.1781% | 41 |
| Noncurrent loans to loans | 14.9891% | 76 |
| Net loans and leases to total assets | 76.6447% | 759 |
| Net loans and leases to deposits | 83.3536% | 1,657 |
| Net loans and leases to core deposits | 88.0989% | 1,895 |
| Total domestic deposits to total assets | 91.9514% | 254 |
| Equity capital to assets | 7.4104% | 6,621 |
| Core capital (leverage) ratio | 7.3030% | 6,544 |
| Tier 1 risk-based capital ratio | 8.9234% | 6,815 |
| Total risk-based capital ratio | 10.1935% | 6,818 |
| Memoranda: | ||
| Average total assets | $201,331,000 | 3,083 |
| Average earning assets | $175,407,500 | 3,206 |
| Average equity | $14,522,000 | 4,087 |
| Average total loans | $157,903,000 | 2,480 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8286% | 2,096 |
| Cost of funding earning assets | 1.1552% | 719 |
| Net interest margin | 3.6734% | 3,775 |
| Noninterest income to average assets | 0.4106% | 4,521 |
| Noninterest expense to average assets | 2.9427% | 3,491 |
| Loan and lease loss provision to assets | 0.1744% | 3,437 |
| Net operating income to assets | 0.4655% | 4,820 |
| Return on assets (ROA) | 0.4655% | 5,069 |
| Pretax return on assets | 0.4655% | 5,384 |
| Return on Equity (ROE) | 7.3690% | 3,424 |
| Retained earnings to average equity (ytd only) | 7.3690% | 1,387 |
| Net charge-offs to loans | 1.5749% | 548 |
| Credit loss provision to net charge-offs | 14.5293% | 5,350 |
| Earnings coverage of net charge-offs (x) | 0.5331% | 5,221 |
| Efficiency ratio | 82.1391% | 1,848 |
| Assets per employee ($millions) | 8.4936% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2482% | 528 |
| Loan loss allowance to noncurrent loans | 23.6784% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 17.9140% | 45 |
| Noncurrent loans to loans | 13.7178% | 110 |
| Net loans and leases to total assets | 75.1366% | 1,027 |
| Net loans and leases to deposits | 81.2816% | 2,113 |
| Net loans and leases to core deposits | 85.6434% | 2,357 |
| Total domestic deposits to total assets | 92.4399% | 176 |
| Equity capital to assets | 7.0205% | 6,769 |
| Core capital (leverage) ratio | 6.9200% | 6,729 |
| Tier 1 risk-based capital ratio | 8.7168% | 6,876 |
| Total risk-based capital ratio | 9.9898% | 6,878 |
| Memoranda: | ||
| Average total assets | $215,044,000 | 2,885 |
| Average earning assets | $185,687,200 | 3,019 |
| Average equity | $13,584,000 | 4,239 |
| Average total loans | $163,882,000 | 2,374 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8131% | 2,345 |
| Cost of funding earning assets | 1.2042% | 679 |
| Net interest margin | 3.6090% | 4,203 |
| Noninterest income to average assets | 0.3189% | 5,237 |
| Noninterest expense to average assets | 2.9274% | 3,491 |
| Loan and lease loss provision to assets | 0.2295% | 2,759 |
| Net operating income to assets | 0.2748% | 5,700 |
| Return on assets (ROA) | 0.2748% | 5,893 |
| Pretax return on assets | 0.2748% | 5,999 |
| Return on Equity (ROE) | 4.4668% | 5,054 |
| Retained earnings to average equity (ytd only) | 4.4668% | 3,751 |
| Net charge-offs to loans | 1.4835% | 582 |
| Credit loss provision to net charge-offs | 20.3915% | 4,949 |
| Earnings coverage of net charge-offs (x) | 0.4481% | 5,096 |
| Efficiency ratio | 85.3041% | 1,449 |
| Assets per employee ($millions) | 8.7278% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6450% | 410 |
| Loan loss allowance to noncurrent loans | 24.2110% | 6,377 |
| Noncurrent assets plus other real estate owned to assets | 18.8833% | 45 |
| Noncurrent loans to loans | 15.0551% | 98 |
| Net loans and leases to total assets | 74.2569% | 1,214 |
| Net loans and leases to deposits | 80.0625% | 2,380 |
| Net loans and leases to core deposits | 83.2270% | 2,793 |
| Total domestic deposits to total assets | 92.7487% | 132 |
| Equity capital to assets | 6.5686% | 6,934 |
| Core capital (leverage) ratio | 6.5980% | 6,866 |
| Tier 1 risk-based capital ratio | 8.2218% | 6,980 |
| Total risk-based capital ratio | 9.5000% | 6,981 |
| Memoranda: | ||
| Average total assets | $217,843,500 | 2,880 |
| Average earning assets | $187,897,250 | 3,018 |
| Average equity | $13,402,250 | 4,316 |
| Average total loans | $165,276,250 | 2,384 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 2,064 |
| Cost of funding earning assets | 1.2633% | 611 |
| Net interest margin | 3.6479% | 4,050 |
| Noninterest income to average assets | 0.2964% | 5,435 |
| Noninterest expense to average assets | 2.9859% | 3,311 |
| Loan and lease loss provision to assets | 0.3399% | 1,940 |
| Net operating income to assets | 0.1142% | 6,122 |
| Return on assets (ROA) | 0.1142% | 6,289 |
| Pretax return on assets | 0.1142% | 6,301 |
| Return on Equity (ROE) | 1.8971% | 6,075 |
| Retained earnings to average equity (ytd only) | 1.8971% | 5,254 |
| Net charge-offs to loans | 2.1674% | 363 |
| Credit loss provision to net charge-offs | 20.7756% | 4,591 |
| Earnings coverage of net charge-offs (x) | 0.2776% | 4,940 |
| Efficiency ratio | 86.7984% | 1,361 |
| Assets per employee ($millions) | 8.3521% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6966% | 426 |
| Loan loss allowance to noncurrent loans | 23.2800% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 21.0726% | 33 |
| Noncurrent loans to loans | 15.8787% | 86 |
| Net loans and leases to total assets | 73.8389% | 1,272 |
| Net loans and leases to deposits | 79.3630% | 2,470 |
| Net loans and leases to core deposits | 82.4692% | 2,904 |
| Total domestic deposits to total assets | 93.0393% | 124 |
| Equity capital to assets | 6.4348% | 6,991 |
| Core capital (leverage) ratio | 6.3919% | 6,948 |
| Tier 1 risk-based capital ratio | 7.8893% | 7,046 |
| Total risk-based capital ratio | 9.1670% | 7,046 |
| Memoranda: | ||
| Average total assets | $220,636,000 | 2,861 |
| Average earning assets | $190,135,670 | 2,997 |
| Average equity | $13,283,330 | 4,343 |
| Average total loans | $166,559,330 | 2,384 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7975% | 2,652 |
| Cost of funding earning assets | 1.2942% | 646 |
| Net interest margin | 3.5034% | 4,677 |
| Noninterest income to average assets | 0.3178% | 5,330 |
| Noninterest expense to average assets | 3.0545% | 3,067 |
| Loan and lease loss provision to assets | 0.6621% | 813 |
| Net operating income to assets | -0.3637% | 6,744 |
| Return on assets (ROA) | -0.3637% | 6,785 |
| Pretax return on assets | -0.3637% | 6,762 |
| Return on Equity (ROE) | -6.2391% | 6,897 |
| Retained earnings to average equity (ytd only) | -6.2391% | 6,675 |
| Net charge-offs to loans | 0.8717% | 1,176 |
| Credit loss provision to net charge-offs | 101.3514% | 2,269 |
| Earnings coverage of net charge-offs (x) | 0.4568% | 4,116 |
| Efficiency ratio | 91.1006% | 1,009 |
| Assets per employee ($millions) | 8.5784% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4129% | 264 |
| Loan loss allowance to noncurrent loans | 24.8362% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 21.6805% | 39 |
| Noncurrent loans to loans | 17.7680% | 73 |
| Net loans and leases to total assets | 71.4099% | 1,502 |
| Net loans and leases to deposits | 76.0902% | 2,784 |
| Net loans and leases to core deposits | 79.1021% | 3,167 |
| Total domestic deposits to total assets | 93.8491% | 95 |
| Equity capital to assets | 5.8752% | 7,084 |
| Core capital (leverage) ratio | 5.8403% | 7,053 |
| Tier 1 risk-based capital ratio | 7.5040% | 7,110 |
| Total risk-based capital ratio | 8.7907% | 7,112 |
| Memoranda: | ||
| Average total assets | $226,553,000 | 2,809 |
| Average earning assets | $196,267,000 | 2,942 |
| Average equity | $13,207,000 | 4,369 |
| Average total loans | $169,791,500 | 2,367 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 5,664 |
| Cost of funding earning assets | 1.4011% | 1,039 |
| Net interest margin | 2.9277% | 6,648 |
| Noninterest income to average assets | 0.2714% | 5,585 |
| Noninterest expense to average assets | 3.0065% | 3,566 |
| Loan and lease loss provision to assets | 3.1331% | 113 |
| Net operating income to assets | -3.2688% | 7,208 |
| Return on assets (ROA) | -3.2688% | 7,213 |
| Pretax return on assets | -3.2688% | 7,214 |
| Return on Equity (ROE) | -44.3213% | 7,177 |
| Retained earnings to average equity (ytd only) | -44.3213% | 7,174 |
| Net charge-offs to loans | 4.2198% | 132 |
| Credit loss provision to net charge-offs | 99.2682% | 3,602 |
| Earnings coverage of net charge-offs (x) | -0.0430% | 5,859 |
| Efficiency ratio | 104.7270% | 547 |
| Assets per employee ($millions) | 9.2027% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2484% | 312 |
| Loan loss allowance to noncurrent loans | 19.5592% | 6,632 |
| Noncurrent assets plus other real estate owned to assets | 23.6966% | 27 |
| Noncurrent loans to loans | 21.7209% | 37 |
| Net loans and leases to total assets | 71.9834% | 1,649 |
| Net loans and leases to deposits | 76.5473% | 3,083 |
| Net loans and leases to core deposits | 79.3744% | 3,525 |
| Total domestic deposits to total assets | 94.0378% | 93 |
| Equity capital to assets | 5.7853% | 7,111 |
| Core capital (leverage) ratio | 5.5962% | 7,090 |
| Tier 1 risk-based capital ratio | 7.2296% | 7,146 |
| Total risk-based capital ratio | 8.5136% | 7,146 |
| Memoranda: | ||
| Average total assets | $242,441,000 | 2,606 |
| Average earning assets | $215,252,400 | 2,665 |
| Average equity | $17,880,800 | 3,444 |
| Average total loans | $181,335,800 | 2,223 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2909% | 5,975 |
| Cost of funding earning assets | 1.4108% | 1,189 |
| Net interest margin | 2.8801% | 6,781 |
| Noninterest income to average assets | 0.3133% | 5,361 |
| Noninterest expense to average assets | 2.5484% | 5,288 |
| Loan and lease loss provision to assets | 2.2047% | 229 |
| Net operating income to assets | -1.8723% | 7,117 |
| Return on assets (ROA) | -1.8723% | 7,127 |
| Pretax return on assets | -1.8723% | 7,098 |
| Return on Equity (ROE) | -24.1660% | 7,159 |
| Retained earnings to average equity (ytd only) | -24.1660% | 7,148 |
| Net charge-offs to loans | 2.8886% | 339 |
| Credit loss provision to net charge-offs | 102.1641% | 3,270 |
| Earnings coverage of net charge-offs (x) | 0.1540% | 5,492 |
| Efficiency ratio | 88.4637% | 1,299 |
| Assets per employee ($millions) | 9.3840% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1024% | 360 |
| Loan loss allowance to noncurrent loans | 17.8508% | 6,749 |
| Noncurrent assets plus other real estate owned to assets | 23.5938% | 26 |
| Noncurrent loans to loans | 22.9815% | 38 |
| Net loans and leases to total assets | 71.7617% | 1,764 |
| Net loans and leases to deposits | 77.5878% | 3,071 |
| Net loans and leases to core deposits | 80.1416% | 3,613 |
| Total domestic deposits to total assets | 92.4909% | 162 |
| Equity capital to assets | 7.2902% | 6,986 |
| Core capital (leverage) ratio | 7.3498% | 6,833 |
| Tier 1 risk-based capital ratio | 9.4738% | 7,056 |
| Total risk-based capital ratio | 10.7574% | 7,051 |
| Memoranda: | ||
| Average total assets | $245,534,500 | 2,580 |
| Average earning assets | $218,876,750 | 2,641 |
| Average equity | $19,023,500 | 3,283 |
| Average total loans | $183,430,250 | 2,218 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2045% | 6,269 |
| Cost of funding earning assets | 1.4427% | 1,219 |
| Net interest margin | 2.7618% | 6,966 |
| Noninterest income to average assets | 0.0683% | 6,965 |
| Noninterest expense to average assets | 2.3020% | 6,119 |
| Loan and lease loss provision to assets | 2.6092% | 192 |
| Net operating income to assets | -2.3719% | 7,252 |
| Return on assets (ROA) | -2.3719% | 7,255 |
| Pretax return on assets | -2.3719% | 7,232 |
| Return on Equity (ROE) | -30.0273% | 7,246 |
| Retained earnings to average equity (ytd only) | -30.0273% | 7,239 |
| Net charge-offs to loans | 3.7373% | 233 |
| Credit loss provision to net charge-offs | 93.5042% | 3,362 |
| Earnings coverage of net charge-offs (x) | 0.0851% | 5,225 |
| Efficiency ratio | 90.6530% | 1,199 |
| Assets per employee ($millions) | 9.2060% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9838% | 421 |
| Loan loss allowance to noncurrent loans | 15.6323% | 6,849 |
| Noncurrent assets plus other real estate owned to assets | 25.1140% | 22 |
| Noncurrent loans to loans | 25.4842% | 29 |
| Net loans and leases to total assets | 72.3087% | 1,729 |
| Net loans and leases to deposits | 78.5285% | 3,034 |
| Net loans and leases to core deposits | 81.0429% | 3,648 |
| Total domestic deposits to total assets | 92.0796% | 220 |
| Equity capital to assets | 7.6526% | 6,878 |
| Core capital (leverage) ratio | 7.5657% | 6,701 |
| Tier 1 risk-based capital ratio | 9.5447% | 7,092 |
| Total risk-based capital ratio | 10.8255% | 7,094 |
| Memoranda: | ||
| Average total assets | $246,051,330 | 2,590 |
| Average earning assets | $220,145,670 | 2,646 |
| Average equity | $19,435,670 | 3,212 |
| Average total loans | $183,714,670 | 2,235 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9259% | 6,796 |
| Cost of funding earning assets | 1.4711% | 1,289 |
| Net interest margin | 2.4548% | 7,223 |
| Noninterest income to average assets | 0.1043% | 6,889 |
| Noninterest expense to average assets | 1.6199% | 7,292 |
| Loan and lease loss provision to assets | 4.6672% | 71 |
| Net operating income to assets | -3.9776% | 7,445 |
| Return on assets (ROA) | -3.9776% | 7,449 |
| Pretax return on assets | -3.9776% | 7,435 |
| Return on Equity (ROE) | -49.6124% | 7,415 |
| Retained earnings to average equity (ytd only) | -49.6124% | 7,401 |
| Net charge-offs to loans | 2.0535% | 619 |
| Credit loss provision to net charge-offs | 305.6723% | 1,052 |
| Earnings coverage of net charge-offs (x) | 0.4517% | 4,282 |
| Efficiency ratio | 70.1389% | 4,232 |
| Assets per employee ($millions) | 10.2080% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1695% | 175 |
| Loan loss allowance to noncurrent loans | 20.4701% | 6,755 |
| Noncurrent assets plus other real estate owned to assets | 24.8974% | 26 |
| Noncurrent loans to loans | 25.2541% | 33 |
| Net loans and leases to total assets | 70.0987% | 2,106 |
| Net loans and leases to deposits | 76.1843% | 3,388 |
| Net loans and leases to core deposits | 78.4373% | 3,960 |
| Total domestic deposits to total assets | 92.0120% | 283 |
| Equity capital to assets | 7.6553% | 6,780 |
| Core capital (leverage) ratio | 7.5993% | 6,654 |
| Tier 1 risk-based capital ratio | 10.3162% | 6,898 |
| Total risk-based capital ratio | 11.6143% | 6,862 |
| Memoranda: | ||
| Average total assets | $249,398,500 | 2,578 |
| Average earning assets | $224,052,500 | 2,615 |
| Average equity | $19,995,000 | 3,118 |
| Average total loans | $185,443,500 | 2,245 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1531% | 3,834 |
| Cost of funding earning assets | 1.8064% | 1,144 |
| Net interest margin | 3.3467% | 5,804 |
| Noninterest income to average assets | 0.0494% | 7,109 |
| Noninterest expense to average assets | 2.3428% | 6,234 |
| Loan and lease loss provision to assets | 3.5874% | 208 |
| Net operating income to assets | -2.8460% | 7,260 |
| Return on assets (ROA) | -2.8460% | 7,281 |
| Pretax return on assets | -2.8460% | 7,258 |
| Return on Equity (ROE) | -28.0446% | 7,190 |
| Retained earnings to average equity (ytd only) | -28.0446% | 7,178 |
| Net charge-offs to loans | 2.6838% | 677 |
| Credit loss provision to net charge-offs | 170.2248% | 1,991 |
| Earnings coverage of net charge-offs (x) | 0.3518% | 5,754 |
| Efficiency ratio | 75.9618% | 3,060 |
| Assets per employee ($millions) | 9.7617% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9012% | 432 |
| Loan loss allowance to noncurrent loans | 15.3343% | 6,977 |
| Noncurrent assets plus other real estate owned to assets | 22.4472% | 47 |
| Noncurrent loans to loans | 25.4410% | 39 |
| Net loans and leases to total assets | 71.8602% | 2,132 |
| Net loans and leases to deposits | 78.6718% | 3,397 |
| Net loans and leases to core deposits | 81.8302% | 3,928 |
| Total domestic deposits to total assets | 91.3417% | 443 |
| Equity capital to assets | 8.3667% | 6,049 |
| Core capital (leverage) ratio | 8.4884% | 5,386 |
| Tier 1 risk-based capital ratio | 11.4771% | 5,929 |
| Total risk-based capital ratio | 12.7613% | 5,908 |
| Memoranda: | ||
| Average total assets | $251,155,400 | 2,537 |
| Average earning assets | $227,747,600 | 2,548 |
| Average equity | $25,488,000 | 2,506 |
| Average total loans | $197,220,800 | 2,187 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4813% | 2,514 |
| Cost of funding earning assets | 1.8702% | 1,138 |
| Net interest margin | 3.6111% | 4,822 |
| Noninterest income to average assets | 0.1102% | 6,994 |
| Noninterest expense to average assets | 2.2717% | 6,403 |
| Loan and lease loss provision to assets | 3.6168% | 194 |
| Net operating income to assets | -2.5081% | 7,350 |
| Return on assets (ROA) | -2.5081% | 7,363 |
| Pretax return on assets | -2.5081% | 7,317 |
| Return on Equity (ROE) | -23.6618% | 7,289 |
| Retained earnings to average equity (ytd only) | -23.6618% | 7,279 |
| Net charge-offs to loans | 2.6388% | 625 |
| Credit loss provision to net charge-offs | 172.4619% | 2,140 |
| Earnings coverage of net charge-offs (x) | 0.5287% | 5,499 |
| Efficiency ratio | 67.2020% | 4,624 |
| Assets per employee ($millions) | 10.0665% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3783% | 590 |
| Loan loss allowance to noncurrent loans | 16.5738% | 7,024 |
| Noncurrent assets plus other real estate owned to assets | 20.1269% | 60 |
| Noncurrent loans to loans | 20.3834% | 69 |
| Net loans and leases to total assets | 74.3478% | 1,728 |
| Net loans and leases to deposits | 82.2965% | 3,046 |
| Net loans and leases to core deposits | 85.6034% | 3,716 |
| Total domestic deposits to total assets | 90.3414% | 702 |
| Equity capital to assets | 9.4058% | 4,977 |
| Core capital (leverage) ratio | 9.3888% | 4,073 |
| Tier 1 risk-based capital ratio | 13.0146% | 4,568 |
| Total risk-based capital ratio | 14.2918% | 4,526 |
| Memoranda: | ||
| Average total assets | $250,493,250 | 2,574 |
| Average earning assets | $226,849,000 | 2,592 |
| Average equity | $26,551,250 | 2,453 |
| Average total loans | $199,079,000 | 2,194 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9624% | 1,034 |
| Cost of funding earning assets | 1.9144% | 1,188 |
| Net interest margin | 4.0481% | 2,798 |
| Noninterest income to average assets | 0.1112% | 7,051 |
| Noninterest expense to average assets | 2.1359% | 6,806 |
| Loan and lease loss provision to assets | 4.3142% | 160 |
| Net operating income to assets | -2.6645% | 7,454 |
| Return on assets (ROA) | -2.6645% | 7,463 |
| Pretax return on assets | -2.6645% | 7,407 |
| Return on Equity (ROE) | -24.2227% | 7,360 |
| Retained earnings to average equity (ytd only) | -24.2227% | 7,346 |
| Net charge-offs to loans | 3.3352% | 449 |
| Credit loss provision to net charge-offs | 161.0448% | 2,446 |
| Earnings coverage of net charge-offs (x) | 0.6158% | 5,130 |
| Efficiency ratio | 56.4216% | 6,584 |
| Assets per employee ($millions) | 10.4404% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8942% | 922 |
| Loan loss allowance to noncurrent loans | 24.4508% | 6,712 |
| Noncurrent assets plus other real estate owned to assets | 13.5468% | 196 |
| Noncurrent loans to loans | 11.8367% | 298 |
| Net loans and leases to total assets | 76.7537% | 1,341 |
| Net loans and leases to deposits | 85.5574% | 2,585 |
| Net loans and leases to core deposits | 88.8984% | 3,425 |
| Total domestic deposits to total assets | 89.7102% | 1,069 |
| Equity capital to assets | 9.9976% | 4,029 |
| Core capital (leverage) ratio | 9.9332% | 3,241 |
| Tier 1 risk-based capital ratio | 13.2928% | 4,214 |
| Total risk-based capital ratio | 14.5652% | 4,157 |
| Memoranda: | ||
| Average total assets | $250,103,330 | 2,602 |
| Average earning assets | $227,022,000 | 2,607 |
| Average equity | $27,511,330 | 2,372 |
| Average total loans | $200,889,330 | 2,208 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6927% | 1,808 |
| Cost of funding earning assets | 1.9362% | 1,303 |
| Net interest margin | 3.7565% | 3,970 |
| Noninterest income to average assets | 0.1041% | 7,184 |
| Noninterest expense to average assets | 1.7737% | 7,496 |
| Loan and lease loss provision to assets | 0.6083% | 2,094 |
| Net operating income to assets | 1.1478% | 1,682 |
| Return on assets (ROA) | 1.1478% | 1,763 |
| Pretax return on assets | 1.1478% | 2,560 |
| Return on Equity (ROE) | 9.9786% | 2,109 |
| Retained earnings to average equity (ytd only) | 9.9786% | 1,143 |
| Net charge-offs to loans | 5.0952% | 237 |
| Credit loss provision to net charge-offs | 14.7458% | 5,001 |
| Earnings coverage of net charge-offs (x) | 0.4257% | 4,649 |
| Efficiency ratio | 50.2494% | 7,300 |
| Assets per employee ($millions) | 10.5351% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7444% | 7,262 |
| Loan loss allowance to noncurrent loans | 6.3299% | 7,371 |
| Noncurrent assets plus other real estate owned to assets | 12.5236% | 232 |
| Noncurrent loans to loans | 11.7600% | 304 |
| Net loans and leases to total assets | 78.5752% | 1,043 |
| Net loans and leases to deposits | 89.0191% | 2,062 |
| Net loans and leases to core deposits | 92.5291% | 3,043 |
| Total domestic deposits to total assets | 88.2678% | 1,916 |
| Equity capital to assets | 11.5092% | 2,355 |
| Core capital (leverage) ratio | 11.6810% | 1,808 |
| Tier 1 risk-based capital ratio | 14.8544% | 3,180 |
| Total risk-based capital ratio | 15.6145% | 3,422 |
| Memoranda: | ||
| Average total assets | $249,870,500 | 2,655 |
| Average earning assets | $227,871,500 | 2,657 |
| Average equity | $28,741,500 | 2,308 |
| Average total loans | $202,307,500 | 2,250 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6523% | 3,338 |
| Cost of funding earning assets | 2.8546% | 372 |
| Net interest margin | 2.7977% | 7,067 |
| Noninterest income to average assets | 0.1098% | 7,215 |
| Noninterest expense to average assets | 2.2107% | 6,967 |
| Loan and lease loss provision to assets | 1.9709% | 1,104 |
| Net operating income to assets | -1.5081% | 6,858 |
| Return on assets (ROA) | -1.5081% | 6,869 |
| Pretax return on assets | -1.5081% | 6,708 |
| Return on Equity (ROE) | -11.2400% | 6,713 |
| Retained earnings to average equity (ytd only) | -11.2400% | 6,617 |
| Net charge-offs to loans | 1.3766% | 1,821 |
| Credit loss provision to net charge-offs | 173.6064% | 2,436 |
| Earnings coverage of net charge-offs (x) | 0.4077% | 5,705 |
| Efficiency ratio | 82.6892% | 2,520 |
| Assets per employee ($millions) | 10.2875% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8033% | 2,533 |
| Loan loss allowance to noncurrent loans | 12.6043% | 7,321 |
| Noncurrent assets plus other real estate owned to assets | 14.1390% | 164 |
| Noncurrent loans to loans | 14.3074% | 197 |
| Net loans and leases to total assets | 81.3154% | 792 |
| Net loans and leases to deposits | 92.1288% | 1,877 |
| Net loans and leases to core deposits | 140.5626% | 790 |
| Total domestic deposits to total assets | 88.2628% | 1,849 |
| Equity capital to assets | 11.4958% | 2,323 |
| Core capital (leverage) ratio | 11.9377% | 1,691 |
| Tier 1 risk-based capital ratio | 13.8815% | 3,575 |
| Total risk-based capital ratio | 15.1384% | 3,524 |
| Memoranda: | ||
| Average total assets | $232,278,200 | 2,796 |
| Average earning assets | $212,852,200 | 2,798 |
| Average equity | $31,165,600 | 2,157 |
| Average total loans | $191,563,800 | 2,387 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7352% | 3,163 |
| Cost of funding earning assets | 3.0632% | 270 |
| Net interest margin | 2.6721% | 7,261 |
| Noninterest income to average assets | 0.1540% | 7,087 |
| Noninterest expense to average assets | 1.9455% | 7,476 |
| Loan and lease loss provision to assets | 0.9389% | 2,050 |
| Net operating income to assets | -0.2799% | 6,175 |
| Return on assets (ROA) | -0.2799% | 6,187 |
| Pretax return on assets | -0.2799% | 6,077 |
| Return on Equity (ROE) | -2.0086% | 6,100 |
| Retained earnings to average equity (ytd only) | -2.0086% | 5,727 |
| Net charge-offs to loans | 0.7171% | 2,555 |
| Credit loss provision to net charge-offs | 158.9339% | 2,990 |
| Earnings coverage of net charge-offs (x) | 1.1155% | 4,947 |
| Efficiency ratio | 74.6977% | 3,743 |
| Assets per employee ($millions) | 9.9031% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 4,946 |
| Loan loss allowance to noncurrent loans | 7.2308% | 7,488 |
| Noncurrent assets plus other real estate owned to assets | 15.7000% | 106 |
| Noncurrent loans to loans | 17.0343% | 101 |
| Net loans and leases to total assets | 79.0487% | 1,383 |
| Net loans and leases to deposits | 91.2379% | 2,354 |
| Net loans and leases to core deposits | 139.1830% | 955 |
| Total domestic deposits to total assets | 86.6402% | 2,360 |
| Equity capital to assets | 13.2134% | 1,617 |
| Core capital (leverage) ratio | 13.3183% | 1,289 |
| Tier 1 risk-based capital ratio | 15.3168% | 2,907 |
| Total risk-based capital ratio | 16.4595% | 2,891 |
| Memoranda: | ||
| Average total assets | $228,623,000 | 2,860 |
| Average earning assets | $209,670,000 | 2,861 |
| Average equity | $31,861,250 | 2,125 |
| Average total loans | $188,341,250 | 2,446 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9377% | 2,426 |
| Cost of funding earning assets | 3.1984% | 267 |
| Net interest margin | 2.7393% | 7,124 |
| Noninterest income to average assets | 0.1046% | 7,452 |
| Noninterest expense to average assets | 1.7943% | 7,749 |
| Loan and lease loss provision to assets | 0.6002% | 2,648 |
| Net operating income to assets | 0.2225% | 5,182 |
| Return on assets (ROA) | 0.2225% | 5,268 |
| Pretax return on assets | 0.2225% | 5,405 |
| Return on Equity (ROE) | 1.5681% | 5,441 |
| Retained earnings to average equity (ytd only) | 1.5681% | 4,458 |
| Net charge-offs to loans | 0.0469% | 5,820 |
| Credit loss provision to net charge-offs | 1,538.6364% | 327 |
| Earnings coverage of net charge-offs (x) | 21.0909% | 1,280 |
| Efficiency ratio | 68.5637% | 5,051 |
| Assets per employee ($millions) | 8.1368% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 4,464 |
| Loan loss allowance to noncurrent loans | 10.4503% | 7,486 |
| Noncurrent assets plus other real estate owned to assets | 12.1581% | 174 |
| Noncurrent loans to loans | 12.1560% | 217 |
| Net loans and leases to total assets | 81.1545% | 1,105 |
| Net loans and leases to deposits | 94.6636% | 1,995 |
| Net loans and leases to core deposits | 143.7462% | 847 |
| Total domestic deposits to total assets | 85.7293% | 2,915 |
| Equity capital to assets | 14.1065% | 1,272 |
| Core capital (leverage) ratio | 14.4126% | 1,043 |
| Tier 1 risk-based capital ratio | 15.7414% | 2,713 |
| Total risk-based capital ratio | 16.9067% | 2,679 |
| Memoranda: | ||
| Average total assets | $225,605,670 | 2,909 |
| Average earning assets | $206,914,330 | 2,912 |
| Average equity | $32,013,330 | 2,110 |
| Average total loans | $187,714,330 | 2,483 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9330% | 2,634 |
| Cost of funding earning assets | 3.2933% | 273 |
| Net interest margin | 2.6397% | 7,313 |
| Noninterest income to average assets | 0.1069% | 7,500 |
| Noninterest expense to average assets | 1.6214% | 7,896 |
| Loan and lease loss provision to assets | 0.6896% | 1,831 |
| Net operating income to assets | 0.2281% | 5,569 |
| Return on assets (ROA) | 0.2281% | 5,730 |
| Pretax return on assets | 0.2281% | 5,876 |
| Return on Equity (ROE) | 1.6025% | 5,919 |
| Retained earnings to average equity (ytd only) | 1.6025% | 4,954 |
| Net charge-offs to loans | 0.2065% | 3,400 |
| Credit loss provision to net charge-offs | 398.9691% | 1,304 |
| Earnings coverage of net charge-offs (x) | 5.3093% | 2,701 |
| Efficiency ratio | 63.8596% | 5,716 |
| Assets per employee ($millions) | 8.8552% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 5,531 |
| Loan loss allowance to noncurrent loans | 10.0957% | 7,511 |
| Noncurrent assets plus other real estate owned to assets | 10.5877% | 196 |
| Noncurrent loans to loans | 10.8091% | 237 |
| Net loans and leases to total assets | 83.3584% | 796 |
| Net loans and leases to deposits | 97.5973% | 1,717 |
| Net loans and leases to core deposits | 150.9748% | 675 |
| Total domestic deposits to total assets | 85.4105% | 3,011 |
| Equity capital to assets | 14.4616% | 1,244 |
| Core capital (leverage) ratio | 14.4286% | 1,099 |
| Tier 1 risk-based capital ratio | 15.7073% | 2,786 |
| Total risk-based capital ratio | 16.7062% | 2,804 |
| Memoranda: | ||
| Average total assets | $224,493,000 | 2,938 |
| Average earning assets | $206,844,000 | 2,926 |
| Average equity | $31,950,500 | 2,122 |
| Average total loans | $187,934,500 | 2,494 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0963% | 925 |
| Cost of funding earning assets | 3.7058% | 264 |
| Net interest margin | 3.3905% | 5,694 |
| Noninterest income to average assets | 0.1063% | 7,602 |
| Noninterest expense to average assets | 1.2820% | 8,125 |
| Loan and lease loss provision to assets | 1.3390% | 1,058 |
| Net operating income to assets | 0.6907% | 3,935 |
| Return on assets (ROA) | 0.2233% | 5,607 |
| Pretax return on assets | 0.2233% | 5,678 |
| Return on Equity (ROE) | 1.6064% | 5,738 |
| Retained earnings to average equity (ytd only) | 1.6064% | 4,249 |
| Net charge-offs to loans | 1.5854% | 722 |
| Credit loss provision to net charge-offs | 101.6727% | 5,235 |
| Earnings coverage of net charge-offs (x) | 1.5412% | 5,329 |
| Efficiency ratio | 38.7114% | 8,148 |
| Assets per employee ($millions) | 9.1043% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9224% | 6,548 |
| Loan loss allowance to noncurrent loans | 9.8128% | 7,507 |
| Noncurrent assets plus other real estate owned to assets | 9.1241% | 215 |
| Noncurrent loans to loans | 9.3996% | 235 |
| Net loans and leases to total assets | 82.4004% | 1,152 |
| Net loans and leases to deposits | 95.9477% | 2,462 |
| Net loans and leases to core deposits | 147.0154% | 980 |
| Total domestic deposits to total assets | 85.8805% | 2,461 |
| Equity capital to assets | 14.0092% | 1,421 |
| Core capital (leverage) ratio | 14.1637% | 1,225 |
| Tier 1 risk-based capital ratio | 15.0455% | 3,021 |
| Total risk-based capital ratio | 15.8693% | 3,166 |
| Memoranda: | ||
| Average total assets | $231,517,600 | 2,749 |
| Average earning assets | $218,875,000 | 2,672 |
| Average equity | $32,182,800 | 2,104 |
| Average total loans | $192,323,200 | 2,369 |