Home > Two River Community Bank > Performance and Condition Ratios
Two River Community Bank, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7193% | 2,267 |
| Cost of funding earning assets | 1.1008% | 1,323 |
| Net interest margin | 3.6185% | 3,084 |
| Noninterest income to average assets | 0.4177% | 3,192 |
| Noninterest expense to average assets | 2.5530% | 3,313 |
| Loan and lease loss provision to assets | 0.0486% | 3,053 |
| Net operating income to assets | 0.7759% | 3,630 |
| Return on assets (ROA) | 0.7812% | 3,690 |
| Pretax return on assets | 1.1538% | 3,003 |
| Return on Equity (ROE) | 6.8091% | 3,625 |
| Retained earnings to average equity (ytd only) | 4.7978% | 2,537 |
| Net charge-offs to loans | 0.0252% | 2,892 |
| Credit loss provision to net charge-offs | 230.1255% | 1,163 |
| Earnings coverage of net charge-offs (x) | 56.5941% | 1,026 |
| Efficiency ratio | 68.1021% | 2,443 |
| Assets per employee ($millions) | 7.4190% | 889 |
| Cash dividends to net income (ytd only)* | 29.5383% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 2,288 |
| Loan loss allowance to noncurrent loans | 708.7772% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 3,812 |
| Noncurrent loans to loans | 0.1734% | 3,839 |
| Net loans and leases to total assets | 83.9922% | 320 |
| Net loans and leases to deposits | 99.7940% | 619 |
| Net loans and leases to core deposits | 110.7457% | 814 |
| Total domestic deposits to total assets | 84.1655% | 2,800 |
| Equity capital to assets | 11.7905% | 2,288 |
| Core capital (leverage) ratio | 10.1281% | 3,378 |
| Tier 1 risk-based capital ratio | 11.5035% | 4,628 |
| Total risk-based capital ratio | 12.6833% | 4,538 |
| Memoranda: | ||
| Average total assets | $1,131,152,600 | 700 |
| Average earning assets | $1,041,294,000 | 699 |
| Average equity | $129,766,600 | 710 |
| Average total loans | $948,164,800 | 606 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7278% | 2,331 |
| Cost of funding earning assets | 1.0893% | 1,392 |
| Net interest margin | 3.6385% | 3,138 |
| Noninterest income to average assets | 0.4250% | 3,179 |
| Noninterest expense to average assets | 2.3275% | 3,880 |
| Loan and lease loss provision to assets | 0.0764% | 2,369 |
| Net operating income to assets | 0.9829% | 3,038 |
| Return on assets (ROA) | 0.9910% | 3,086 |
| Pretax return on assets | 1.3825% | 2,370 |
| Return on Equity (ROE) | 8.6983% | 3,010 |
| Retained earnings to average equity (ytd only) | 6.7528% | 1,980 |
| Net charge-offs to loans | 0.0334% | 2,401 |
| Credit loss provision to net charge-offs | 274.2616% | 1,015 |
| Earnings coverage of net charge-offs (x) | 51.9835% | 1,164 |
| Efficiency ratio | 61.6367% | 3,381 |
| Assets per employee ($millions) | 7.3475% | 900 |
| Cash dividends to net income (ytd only)* | 22.3659% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,338 |
| Loan loss allowance to noncurrent loans | 880.7606% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.3352% | 3,193 |
| Noncurrent loans to loans | 0.1395% | 4,040 |
| Net loans and leases to total assets | 82.8307% | 483 |
| Net loans and leases to deposits | 98.1411% | 805 |
| Net loans and leases to core deposits | 112.6216% | 809 |
| Total domestic deposits to total assets | 84.3996% | 2,675 |
| Equity capital to assets | 11.5482% | 2,631 |
| Core capital (leverage) ratio | 10.0708% | 3,563 |
| Tier 1 risk-based capital ratio | 11.3035% | 4,759 |
| Total risk-based capital ratio | 12.4695% | 4,700 |
| Memoranda: | ||
| Average total assets | $1,133,874,500 | 700 |
| Average earning assets | $1,044,356,750 | 697 |
| Average equity | $129,187,000 | 708 |
| Average total loans | $947,045,000 | 604 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7067% | 2,341 |
| Cost of funding earning assets | 1.0434% | 1,520 |
| Net interest margin | 3.6633% | 3,058 |
| Noninterest income to average assets | 0.4442% | 2,989 |
| Noninterest expense to average assets | 2.2380% | 4,152 |
| Loan and lease loss provision to assets | 0.0929% | 1,990 |
| Net operating income to assets | 1.0799% | 2,603 |
| Return on assets (ROA) | 1.0894% | 2,632 |
| Pretax return on assets | 1.5077% | 1,835 |
| Return on Equity (ROE) | 9.6061% | 2,584 |
| Retained earnings to average equity (ytd only) | 7.4442% | 1,630 |
| Net charge-offs to loans | 0.0507% | 1,921 |
| Credit loss provision to net charge-offs | 219.6653% | 1,134 |
| Earnings coverage of net charge-offs (x) | 37.5481% | 1,289 |
| Efficiency ratio | 58.4845% | 3,939 |
| Assets per employee ($millions) | 7.1173% | 949 |
| Cash dividends to net income (ytd only)* | 22.5057% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,390 |
| Loan loss allowance to noncurrent loans | 868.0535% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 3,035 |
| Noncurrent loans to loans | 0.1411% | 4,052 |
| Net loans and leases to total assets | 81.7423% | 649 |
| Net loans and leases to deposits | 96.5454% | 978 |
| Net loans and leases to core deposits | 111.0629% | 917 |
| Total domestic deposits to total assets | 84.6672% | 2,613 |
| Equity capital to assets | 11.3252% | 2,764 |
| Core capital (leverage) ratio | 9.9882% | 3,592 |
| Tier 1 risk-based capital ratio | 11.1566% | 4,847 |
| Total risk-based capital ratio | 12.3131% | 4,794 |
| Memoranda: | ||
| Average total assets | $1,129,764,000 | 697 |
| Average earning assets | $1,043,155,000 | 698 |
| Average equity | $128,127,330 | 709 |
| Average total loans | $942,319,670 | 608 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6716% | 2,313 |
| Cost of funding earning assets | 0.9913% | 1,600 |
| Net interest margin | 3.6803% | 2,970 |
| Noninterest income to average assets | 0.4028% | 3,164 |
| Noninterest expense to average assets | 2.2223% | 4,206 |
| Loan and lease loss provision to assets | 0.1520% | 1,106 |
| Net operating income to assets | 1.0355% | 2,722 |
| Return on assets (ROA) | 1.0442% | 2,724 |
| Pretax return on assets | 1.4410% | 1,959 |
| Return on Equity (ROE) | 9.2008% | 2,710 |
| Retained earnings to average equity (ytd only) | 7.7824% | 1,746 |
| Net charge-offs to loans | 0.1029% | 1,125 |
| Credit loss provision to net charge-offs | 176.3485% | 1,129 |
| Earnings coverage of net charge-offs (x) | 18.3485% | 1,626 |
| Efficiency ratio | 58.4164% | 4,020 |
| Assets per employee ($millions) | 7.1727% | 929 |
| Cash dividends to net income (ytd only)* | 15.4162% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 2,481 |
| Loan loss allowance to noncurrent loans | 296.3664% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 3,004 |
| Noncurrent loans to loans | 0.4114% | 3,113 |
| Net loans and leases to total assets | 82.2829% | 562 |
| Net loans and leases to deposits | 97.3927% | 855 |
| Net loans and leases to core deposits | 112.2444% | 820 |
| Total domestic deposits to total assets | 84.4857% | 2,856 |
| Equity capital to assets | 11.2386% | 2,614 |
| Core capital (leverage) ratio | 10.0294% | 3,572 |
| Tier 1 risk-based capital ratio | 11.0014% | 4,975 |
| Total risk-based capital ratio | 12.1557% | 4,920 |
| Memoranda: | ||
| Average total assets | $1,118,146,000 | 710 |
| Average earning assets | $1,033,404,000 | 708 |
| Average equity | $126,901,500 | 715 |
| Average total loans | $936,393,000 | 617 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5280% | 2,376 |
| Cost of funding earning assets | 0.7842% | 1,613 |
| Net interest margin | 3.7437% | 2,882 |
| Noninterest income to average assets | 0.5250% | 2,688 |
| Noninterest expense to average assets | 2.3849% | 3,920 |
| Loan and lease loss provision to assets | 0.0729% | 2,677 |
| Net operating income to assets | 1.1111% | 2,549 |
| Return on assets (ROA) | 1.1072% | 2,568 |
| Pretax return on assets | 1.5206% | 1,711 |
| Return on Equity (ROE) | 9.7700% | 2,616 |
| Retained earnings to average equity (ytd only) | 8.4983% | 1,047 |
| Net charge-offs to loans | 0.0051% | 3,535 |
| Credit loss provision to net charge-offs | 1,722.2222% | 250 |
| Earnings coverage of net charge-offs (x) | 377.8222% | 269 |
| Efficiency ratio | 59.8726% | 3,880 |
| Assets per employee ($millions) | 6.6414% | 1,147 |
| Cash dividends to net income (ytd only)* | 13.0169% | 3,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 2,377 |
| Loan loss allowance to noncurrent loans | 820.0000% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 3,906 |
| Noncurrent loans to loans | 0.1506% | 4,066 |
| Net loans and leases to total assets | 83.1699% | 498 |
| Net loans and leases to deposits | 98.9623% | 823 |
| Net loans and leases to core deposits | 112.7461% | 845 |
| Total domestic deposits to total assets | 84.0420% | 2,983 |
| Equity capital to assets | 11.4645% | 2,279 |
| Core capital (leverage) ratio | 9.9522% | 3,643 |
| Tier 1 risk-based capital ratio | 11.0893% | 4,933 |
| Total risk-based capital ratio | 12.2608% | 4,866 |
| Memoranda: | ||
| Average total assets | $1,063,676,800 | 723 |
| Average earning assets | $982,604,400 | 718 |
| Average equity | $120,542,000 | 714 |
| Average total loans | $889,135,000 | 622 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 2,398 |
| Cost of funding earning assets | 0.7309% | 1,679 |
| Net interest margin | 3.7393% | 2,863 |
| Noninterest income to average assets | 0.5353% | 2,646 |
| Noninterest expense to average assets | 2.4016% | 3,851 |
| Loan and lease loss provision to assets | 0.0979% | 2,030 |
| Net operating income to assets | 1.0902% | 2,709 |
| Return on assets (ROA) | 1.0825% | 2,750 |
| Pretax return on assets | 1.4825% | 1,960 |
| Return on Equity (ROE) | 9.5814% | 2,805 |
| Retained earnings to average equity (ytd only) | 9.0918% | 1,184 |
| Net charge-offs to loans | 0.0080% | 3,127 |
| Credit loss provision to net charge-offs | 1,462.2642% | 283 |
| Earnings coverage of net charge-offs (x) | 237.5637% | 390 |
| Efficiency ratio | 60.1645% | 3,798 |
| Assets per employee ($millions) | 6.5418% | 1,165 |
| Cash dividends to net income (ytd only)* | 5.1103% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 2,300 |
| Loan loss allowance to noncurrent loans | 819.4245% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 4,033 |
| Noncurrent loans to loans | 0.1540% | 4,186 |
| Net loans and leases to total assets | 82.0461% | 707 |
| Net loans and leases to deposits | 98.0031% | 948 |
| Net loans and leases to core deposits | 109.7994% | 1,048 |
| Total domestic deposits to total assets | 83.7179% | 3,043 |
| Equity capital to assets | 11.3655% | 2,344 |
| Core capital (leverage) ratio | 9.9603% | 3,684 |
| Tier 1 risk-based capital ratio | 10.9804% | 5,045 |
| Total risk-based capital ratio | 12.1628% | 4,978 |
| Memoranda: | ||
| Average total assets | $1,055,639,000 | 726 |
| Average earning assets | $975,812,750 | 723 |
| Average equity | $119,269,750 | 716 |
| Average total loans | $880,719,500 | 625 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4264% | 2,330 |
| Cost of funding earning assets | 0.6780% | 1,756 |
| Net interest margin | 3.7484% | 2,756 |
| Noninterest income to average assets | 0.5479% | 2,587 |
| Noninterest expense to average assets | 2.4175% | 3,849 |
| Loan and lease loss provision to assets | 0.1196% | 1,653 |
| Net operating income to assets | 1.0746% | 2,691 |
| Return on assets (ROA) | 1.0659% | 2,731 |
| Pretax return on assets | 1.4620% | 1,951 |
| Return on Equity (ROE) | 9.4532% | 2,824 |
| Retained earnings to average equity (ytd only) | 8.7101% | 1,318 |
| Net charge-offs to loans | 0.0211% | 2,460 |
| Credit loss provision to net charge-offs | 679.3478% | 571 |
| Earnings coverage of net charge-offs (x) | 90.5000% | 745 |
| Efficiency ratio | 60.2843% | 3,898 |
| Assets per employee ($millions) | 6.3583% | 1,235 |
| Cash dividends to net income (ytd only)* | 7.8607% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,408 |
| Loan loss allowance to noncurrent loans | 580.3627% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 4,064 |
| Noncurrent loans to loans | 0.2161% | 3,945 |
| Net loans and leases to total assets | 83.5367% | 521 |
| Net loans and leases to deposits | 99.6616% | 825 |
| Net loans and leases to core deposits | 109.6224% | 1,024 |
| Total domestic deposits to total assets | 83.8204% | 3,126 |
| Equity capital to assets | 11.4118% | 2,257 |
| Core capital (leverage) ratio | 9.8225% | 3,762 |
| Tier 1 risk-based capital ratio | 10.7762% | 5,158 |
| Total risk-based capital ratio | 11.9505% | 5,090 |
| Memoranda: | ||
| Average total assets | $1,045,541,000 | 733 |
| Average earning assets | $965,751,000 | 730 |
| Average equity | $117,885,670 | 723 |
| Average total loans | $873,507,330 | 627 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3622% | 2,316 |
| Cost of funding earning assets | 0.6260% | 1,870 |
| Net interest margin | 3.7363% | 2,662 |
| Noninterest income to average assets | 0.5189% | 2,690 |
| Noninterest expense to average assets | 2.3687% | 4,023 |
| Loan and lease loss provision to assets | 0.1538% | 1,177 |
| Net operating income to assets | 1.0773% | 2,535 |
| Return on assets (ROA) | 1.0652% | 2,596 |
| Pretax return on assets | 1.4273% | 1,909 |
| Return on Equity (ROE) | 9.5056% | 2,674 |
| Retained earnings to average equity (ytd only) | 8.0031% | 1,834 |
| Net charge-offs to loans | 0.0491% | 1,613 |
| Credit loss provision to net charge-offs | 377.3585% | 708 |
| Earnings coverage of net charge-offs (x) | 39.1792% | 1,076 |
| Efficiency ratio | 59.7382% | 4,098 |
| Assets per employee ($millions) | 6.3141% | 1,303 |
| Cash dividends to net income (ytd only)* | 15.8066% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 2,494 |
| Loan loss allowance to noncurrent loans | 555.8824% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 4,136 |
| Noncurrent loans to loans | 0.2256% | 3,969 |
| Net loans and leases to total assets | 82.8545% | 553 |
| Net loans and leases to deposits | 98.7658% | 806 |
| Net loans and leases to core deposits | 107.2981% | 1,164 |
| Total domestic deposits to total assets | 83.8899% | 3,375 |
| Equity capital to assets | 11.2977% | 2,305 |
| Core capital (leverage) ratio | 9.7352% | 3,816 |
| Tier 1 risk-based capital ratio | 10.6587% | 5,299 |
| Total risk-based capital ratio | 11.8273% | 5,231 |
| Memoranda: | ||
| Average total assets | $1,040,576,500 | 741 |
| Average earning assets | $959,780,500 | 735 |
| Average equity | $116,604,500 | 734 |
| Average total loans | $863,808,000 | 636 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2317% | 2,576 |
| Cost of funding earning assets | 0.5587% | 1,892 |
| Net interest margin | 3.6729% | 2,903 |
| Noninterest income to average assets | 0.5494% | 2,723 |
| Noninterest expense to average assets | 2.3963% | 4,089 |
| Loan and lease loss provision to assets | 0.1552% | 1,450 |
| Net operating income to assets | 0.7057% | 3,576 |
| Return on assets (ROA) | 0.7057% | 3,632 |
| Pretax return on assets | 1.3653% | 2,108 |
| Return on Equity (ROE) | 6.1415% | 3,699 |
| Retained earnings to average equity (ytd only) | 4.7483% | 2,291 |
| Net charge-offs to loans | 0.0534% | 2,738 |
| Credit loss provision to net charge-offs | 358.3138% | 823 |
| Earnings coverage of net charge-offs (x) | 35.0984% | 1,372 |
| Efficiency ratio | 61.1796% | 4,083 |
| Assets per employee ($millions) | 6.6199% | 1,137 |
| Cash dividends to net income (ytd only)* | 22.6855% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,469 |
| Loan loss allowance to noncurrent loans | 515.3623% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 4,142 |
| Noncurrent loans to loans | 0.2425% | 3,933 |
| Net loans and leases to total assets | 81.0896% | 819 |
| Net loans and leases to deposits | 97.5075% | 942 |
| Net loans and leases to core deposits | 104.2054% | 1,402 |
| Total domestic deposits to total assets | 83.1624% | 3,509 |
| Equity capital to assets | 11.1136% | 2,526 |
| Core capital (leverage) ratio | 9.7577% | 3,738 |
| Tier 1 risk-based capital ratio | 10.6593% | 5,313 |
| Total risk-based capital ratio | 11.8229% | 5,247 |
| Memoranda: | ||
| Average total assets | $985,635,000 | 754 |
| Average earning assets | $903,666,400 | 751 |
| Average equity | $113,262,200 | 723 |
| Average total loans | $799,277,600 | 654 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2103% | 2,573 |
| Cost of funding earning assets | 0.5485% | 1,906 |
| Net interest margin | 3.6619% | 2,911 |
| Noninterest income to average assets | 0.5584% | 2,676 |
| Noninterest expense to average assets | 2.4380% | 3,923 |
| Loan and lease loss provision to assets | 0.1173% | 1,850 |
| Net operating income to assets | 0.8870% | 3,089 |
| Return on assets (ROA) | 0.8870% | 3,141 |
| Pretax return on assets | 1.3628% | 2,236 |
| Return on Equity (ROE) | 7.6519% | 3,317 |
| Retained earnings to average equity (ytd only) | 6.2145% | 2,101 |
| Net charge-offs to loans | 0.0334% | 2,763 |
| Credit loss provision to net charge-offs | 434.0102% | 720 |
| Earnings coverage of net charge-offs (x) | 54.7817% | 1,051 |
| Efficiency ratio | 62.2248% | 3,846 |
| Assets per employee ($millions) | 6.2877% | 1,312 |
| Cash dividends to net income (ytd only)* | 18.7848% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 2,638 |
| Loan loss allowance to noncurrent loans | 435.9488% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 4,122 |
| Noncurrent loans to loans | 0.2870% | 3,916 |
| Net loans and leases to total assets | 80.7139% | 883 |
| Net loans and leases to deposits | 97.8292% | 935 |
| Net loans and leases to core deposits | 102.8653% | 1,474 |
| Total domestic deposits to total assets | 82.5049% | 3,625 |
| Equity capital to assets | 11.5523% | 2,318 |
| Core capital (leverage) ratio | 9.9949% | 3,569 |
| Tier 1 risk-based capital ratio | 11.1060% | 5,185 |
| Total risk-based capital ratio | 12.2700% | 5,123 |
| Memoranda: | ||
| Average total assets | $972,211,750 | 767 |
| Average earning assets | $891,941,750 | 763 |
| Average equity | $112,701,000 | 734 |
| Average total loans | $785,733,250 | 668 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1494% | 2,671 |
| Cost of funding earning assets | 0.5486% | 1,785 |
| Net interest margin | 3.6008% | 3,038 |
| Noninterest income to average assets | 0.5476% | 2,728 |
| Noninterest expense to average assets | 2.4253% | 3,980 |
| Loan and lease loss provision to assets | 0.1246% | 1,662 |
| Net operating income to assets | 0.8538% | 3,141 |
| Return on assets (ROA) | 0.8538% | 3,190 |
| Pretax return on assets | 1.3034% | 2,370 |
| Return on Equity (ROE) | 7.3562% | 3,365 |
| Retained earnings to average equity (ytd only) | 6.0320% | 2,095 |
| Net charge-offs to loans | 0.0547% | 2,149 |
| Credit loss provision to net charge-offs | 283.0189% | 998 |
| Earnings coverage of net charge-offs (x) | 32.4340% | 1,414 |
| Efficiency ratio | 62.9406% | 3,830 |
| Assets per employee ($millions) | 6.1422% | 1,365 |
| Cash dividends to net income (ytd only)* | 18.0005% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 2,749 |
| Loan loss allowance to noncurrent loans | 337.8479% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 3,827 |
| Noncurrent loans to loans | 0.3675% | 3,711 |
| Net loans and leases to total assets | 80.5635% | 871 |
| Net loans and leases to deposits | 97.3028% | 958 |
| Net loans and leases to core deposits | 102.3802% | 1,480 |
| Total domestic deposits to total assets | 82.7967% | 3,628 |
| Equity capital to assets | 11.5603% | 2,262 |
| Core capital (leverage) ratio | 9.8997% | 3,658 |
| Tier 1 risk-based capital ratio | 11.1377% | 5,184 |
| Total risk-based capital ratio | 12.2966% | 5,125 |
| Memoranda: | ||
| Average total assets | $963,032,330 | 778 |
| Average earning assets | $884,088,670 | 778 |
| Average equity | $111,770,000 | 740 |
| Average total loans | $775,257,670 | 678 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1117% | 2,614 |
| Cost of funding earning assets | 0.5477% | 1,731 |
| Net interest margin | 3.5639% | 3,030 |
| Noninterest income to average assets | 0.4721% | 3,176 |
| Noninterest expense to average assets | 2.3954% | 4,127 |
| Loan and lease loss provision to assets | 0.0944% | 1,964 |
| Net operating income to assets | 0.8242% | 3,104 |
| Return on assets (ROA) | 0.8242% | 3,160 |
| Pretax return on assets | 1.2535% | 2,402 |
| Return on Equity (ROE) | 7.0870% | 3,368 |
| Retained earnings to average equity (ytd only) | 5.5895% | 2,545 |
| Net charge-offs to loans | 0.1171% | 1,238 |
| Credit loss provision to net charge-offs | 100.8969% | 1,556 |
| Earnings coverage of net charge-offs (x) | 14.4036% | 1,724 |
| Efficiency ratio | 63.9910% | 3,837 |
| Assets per employee ($millions) | 6.5755% | 1,147 |
| Cash dividends to net income (ytd only)* | 21.1303% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 2,840 |
| Loan loss allowance to noncurrent loans | 633.5762% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 4,516 |
| Noncurrent loans to loans | 0.1970% | 4,414 |
| Net loans and leases to total assets | 78.3035% | 1,085 |
| Net loans and leases to deposits | 94.3406% | 1,079 |
| Net loans and leases to core deposits | 99.5607% | 1,536 |
| Total domestic deposits to total assets | 83.0009% | 3,840 |
| Equity capital to assets | 11.5517% | 2,149 |
| Core capital (leverage) ratio | 9.9425% | 3,573 |
| Tier 1 risk-based capital ratio | 11.4420% | 5,067 |
| Total risk-based capital ratio | 12.6088% | 5,016 |
| Memoranda: | ||
| Average total assets | $953,171,500 | 790 |
| Average earning assets | $874,873,000 | 786 |
| Average equity | $110,850,500 | 743 |
| Average total loans | $762,039,500 | 694 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2265% | 2,400 |
| Cost of funding earning assets | 0.5503% | 1,689 |
| Net interest margin | 3.6762% | 2,794 |
| Noninterest income to average assets | 0.6049% | 2,633 |
| Noninterest expense to average assets | 2.3723% | 4,362 |
| Loan and lease loss provision to assets | 0.0575% | 3,237 |
| Net operating income to assets | 1.0310% | 2,225 |
| Return on assets (ROA) | 1.0364% | 2,301 |
| Pretax return on assets | 1.5460% | 1,444 |
| Return on Equity (ROE) | 8.7556% | 2,539 |
| Retained earnings to average equity (ytd only) | 7.2131% | 1,148 |
| Net charge-offs to loans | -0.0462% | 5,375 |
| Credit loss provision to net charge-offs | -152.8190% | 4,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7642% | 4,622 |
| Assets per employee ($millions) | 6.3928% | 1,209 |
| Cash dividends to net income (ytd only)* | 17.6166% | 3,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,746 |
| Loan loss allowance to noncurrent loans | 617.8941% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 4,553 |
| Noncurrent loans to loans | 0.2043% | 4,424 |
| Net loans and leases to total assets | 79.6032% | 952 |
| Net loans and leases to deposits | 96.0341% | 989 |
| Net loans and leases to core deposits | 101.8547% | 1,453 |
| Total domestic deposits to total assets | 82.8906% | 3,799 |
| Equity capital to assets | 11.7098% | 2,002 |
| Core capital (leverage) ratio | 9.9457% | 3,557 |
| Tier 1 risk-based capital ratio | 11.4872% | 5,064 |
| Total risk-based capital ratio | 12.6780% | 5,000 |
| Memoranda: | ||
| Average total assets | $895,544,400 | 807 |
| Average earning assets | $819,212,200 | 814 |
| Average equity | $106,001,000 | 753 |
| Average total loans | $728,807,200 | 692 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2313% | 2,408 |
| Cost of funding earning assets | 0.5436% | 1,760 |
| Net interest margin | 3.6877% | 2,765 |
| Noninterest income to average assets | 0.5986% | 2,668 |
| Noninterest expense to average assets | 2.4049% | 4,271 |
| Loan and lease loss provision to assets | 0.1296% | 1,809 |
| Net operating income to assets | 0.9803% | 2,517 |
| Return on assets (ROA) | 0.9877% | 2,626 |
| Pretax return on assets | 1.4452% | 1,897 |
| Return on Equity (ROE) | 8.3205% | 2,844 |
| Retained earnings to average equity (ytd only) | 6.7712% | 1,741 |
| Net charge-offs to loans | 0.0224% | 3,232 |
| Credit loss provision to net charge-offs | 710.7438% | 554 |
| Earnings coverage of net charge-offs (x) | 85.7434% | 732 |
| Efficiency ratio | 60.5606% | 4,456 |
| Assets per employee ($millions) | 6.1399% | 1,330 |
| Cash dividends to net income (ytd only)* | 18.6203% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,964 |
| Loan loss allowance to noncurrent loans | 595.5892% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 4,620 |
| Noncurrent loans to loans | 0.2098% | 4,516 |
| Net loans and leases to total assets | 82.2145% | 586 |
| Net loans and leases to deposits | 100.7100% | 660 |
| Net loans and leases to core deposits | 107.4197% | 1,086 |
| Total domestic deposits to total assets | 81.6348% | 4,064 |
| Equity capital to assets | 11.8828% | 2,194 |
| Core capital (leverage) ratio | 10.1784% | 3,352 |
| Tier 1 risk-based capital ratio | 11.2777% | 5,214 |
| Total risk-based capital ratio | 12.4616% | 5,152 |
| Memoranda: | ||
| Average total assets | $884,495,250 | 819 |
| Average earning assets | $808,364,250 | 823 |
| Average equity | $104,990,750 | 760 |
| Average total loans | $721,601,750 | 694 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2196% | 2,446 |
| Cost of funding earning assets | 0.5380% | 1,791 |
| Net interest margin | 3.6815% | 2,777 |
| Noninterest income to average assets | 0.4534% | 3,497 |
| Noninterest expense to average assets | 2.4411% | 4,212 |
| Loan and lease loss provision to assets | 0.0890% | 2,364 |
| Net operating income to assets | 0.8375% | 3,142 |
| Return on assets (ROA) | 0.8482% | 3,230 |
| Pretax return on assets | 1.3001% | 2,411 |
| Return on Equity (ROE) | 7.1485% | 3,462 |
| Retained earnings to average equity (ytd only) | 5.6965% | 2,304 |
| Net charge-offs to loans | -0.0887% | 5,580 |
| Credit loss provision to net charge-offs | -123.8095% | 4,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9481% | 4,027 |
| Assets per employee ($millions) | 5.7423% | 1,587 |
| Cash dividends to net income (ytd only)* | 20.3121% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 2,838 |
| Loan loss allowance to noncurrent loans | 554.9794% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.2212% | 4,610 |
| Noncurrent loans to loans | 0.2327% | 4,507 |
| Net loans and leases to total assets | 81.4018% | 693 |
| Net loans and leases to deposits | 98.7667% | 811 |
| Net loans and leases to core deposits | 105.3770% | 1,229 |
| Total domestic deposits to total assets | 82.4183% | 3,870 |
| Equity capital to assets | 11.9420% | 2,168 |
| Core capital (leverage) ratio | 10.0675% | 3,492 |
| Tier 1 risk-based capital ratio | 11.3007% | 5,278 |
| Total risk-based capital ratio | 12.5146% | 5,193 |
| Memoranda: | ||
| Average total assets | $876,423,670 | 830 |
| Average earning assets | $799,936,000 | 830 |
| Average equity | $103,994,330 | 764 |
| Average total loans | $709,954,670 | 704 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1862% | 2,523 |
| Cost of funding earning assets | 0.5247% | 1,911 |
| Net interest margin | 3.6616% | 2,842 |
| Noninterest income to average assets | 0.3764% | 4,018 |
| Noninterest expense to average assets | 2.4564% | 4,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8230% | 3,132 |
| Return on assets (ROA) | 0.8445% | 3,144 |
| Pretax return on assets | 1.2965% | 2,322 |
| Return on Equity (ROE) | 7.1403% | 3,379 |
| Retained earnings to average equity (ytd only) | 5.8417% | 2,447 |
| Net charge-offs to loans | -0.1428% | 5,759 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9108% | 3,821 |
| Assets per employee ($millions) | 6.1223% | 1,320 |
| Cash dividends to net income (ytd only)* | 18.1868% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 3,044 |
| Loan loss allowance to noncurrent loans | 520.1973% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 4,660 |
| Noncurrent loans to loans | 0.2446% | 4,555 |
| Net loans and leases to total assets | 78.8828% | 967 |
| Net loans and leases to deposits | 95.3323% | 1,004 |
| Net loans and leases to core deposits | 101.5712% | 1,369 |
| Total domestic deposits to total assets | 82.7451% | 3,989 |
| Equity capital to assets | 11.7956% | 2,160 |
| Core capital (leverage) ratio | 10.1198% | 3,405 |
| Tier 1 risk-based capital ratio | 11.3501% | 5,310 |
| Total risk-based capital ratio | 12.5302% | 5,258 |
| Memoranda: | ||
| Average total assets | $872,480,000 | 835 |
| Average earning assets | $796,706,500 | 837 |
| Average equity | $103,189,500 | 774 |
| Average total loans | $700,300,500 | 712 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2533% | 2,378 |
| Cost of funding earning assets | 0.5074% | 2,097 |
| Net interest margin | 3.7458% | 2,573 |
| Noninterest income to average assets | 0.4362% | 3,777 |
| Noninterest expense to average assets | 2.5729% | 4,015 |
| Loan and lease loss provision to assets | 0.0593% | 3,123 |
| Net operating income to assets | 0.7899% | 3,376 |
| Return on assets (ROA) | 0.7928% | 3,445 |
| Pretax return on assets | 1.2274% | 2,558 |
| Return on Equity (ROE) | 6.7740% | 3,633 |
| Retained earnings to average equity (ytd only) | 5.2696% | 2,229 |
| Net charge-offs to loans | -0.0232% | 5,320 |
| Credit loss provision to net charge-offs | -318.1818% | 5,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5903% | 3,810 |
| Assets per employee ($millions) | 6.0374% | 1,362 |
| Cash dividends to net income (ytd only)* | 22.2087% | 3,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 3,161 |
| Loan loss allowance to noncurrent loans | 274.1661% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 3,937 |
| Noncurrent loans to loans | 0.4565% | 3,834 |
| Net loans and leases to total assets | 79.6301% | 891 |
| Net loans and leases to deposits | 96.7473% | 933 |
| Net loans and leases to core deposits | 103.3739% | 1,267 |
| Total domestic deposits to total assets | 82.3073% | 4,082 |
| Equity capital to assets | 11.8594% | 2,066 |
| Core capital (leverage) ratio | 10.0907% | 3,388 |
| Tier 1 risk-based capital ratio | 11.3916% | 5,319 |
| Total risk-based capital ratio | 12.5640% | 5,259 |
| Memoranda: | ||
| Average total assets | $826,958,800 | 841 |
| Average earning assets | $754,785,800 | 843 |
| Average equity | $96,781,800 | 792 |
| Average total loans | $664,305,200 | 709 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2523% | 2,392 |
| Cost of funding earning assets | 0.5082% | 2,138 |
| Net interest margin | 3.7441% | 2,595 |
| Noninterest income to average assets | 0.4276% | 3,886 |
| Noninterest expense to average assets | 2.5756% | 3,961 |
| Loan and lease loss provision to assets | 0.0652% | 2,883 |
| Net operating income to assets | 0.7708% | 3,575 |
| Return on assets (ROA) | 0.7747% | 3,644 |
| Pretax return on assets | 1.2087% | 2,788 |
| Return on Equity (ROE) | 6.6427% | 3,815 |
| Retained earnings to average equity (ytd only) | 4.9988% | 2,917 |
| Net charge-offs to loans | 0.0081% | 3,886 |
| Credit loss provision to net charge-offs | 1,000.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 194.4322% | 368 |
| Efficiency ratio | 66.8519% | 3,743 |
| Assets per employee ($millions) | 5.5771% | 1,704 |
| Cash dividends to net income (ytd only)* | 24.7475% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 3,407 |
| Loan loss allowance to noncurrent loans | 229.0489% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 3,840 |
| Noncurrent loans to loans | 0.5432% | 3,717 |
| Net loans and leases to total assets | 79.4476% | 890 |
| Net loans and leases to deposits | 96.5430% | 953 |
| Net loans and leases to core deposits | 101.6464% | 1,403 |
| Total domestic deposits to total assets | 82.2925% | 4,071 |
| Equity capital to assets | 11.5435% | 2,468 |
| Core capital (leverage) ratio | 9.4989% | 4,303 |
| Tier 1 risk-based capital ratio | 10.9128% | 5,696 |
| Total risk-based capital ratio | 12.0722% | 5,674 |
| Memoranda: | ||
| Average total assets | $817,860,750 | 861 |
| Average earning assets | $746,146,000 | 856 |
| Average equity | $95,380,250 | 807 |
| Average total loans | $656,331,500 | 719 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2203% | 2,480 |
| Cost of funding earning assets | 0.5069% | 2,191 |
| Net interest margin | 3.7135% | 2,652 |
| Noninterest income to average assets | 0.4167% | 3,952 |
| Noninterest expense to average assets | 2.5756% | 3,985 |
| Loan and lease loss provision to assets | 0.0692% | 2,729 |
| Net operating income to assets | 0.7395% | 3,689 |
| Return on assets (ROA) | 0.7439% | 3,771 |
| Pretax return on assets | 1.1645% | 2,918 |
| Return on Equity (ROE) | 6.3565% | 3,959 |
| Retained earnings to average equity (ytd only) | 4.8243% | 2,974 |
| Net charge-offs to loans | 0.0166% | 3,377 |
| Credit loss provision to net charge-offs | 518.5185% | 611 |
| Earnings coverage of net charge-offs (x) | 91.9815% | 636 |
| Efficiency ratio | 67.5479% | 3,738 |
| Assets per employee ($millions) | 5.7043% | 1,567 |
| Cash dividends to net income (ytd only)* | 24.1036% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 3,634 |
| Loan loss allowance to noncurrent loans | 168.2556% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.7511% | 3,136 |
| Noncurrent loans to loans | 0.7294% | 3,291 |
| Net loans and leases to total assets | 79.0771% | 925 |
| Net loans and leases to deposits | 96.9485% | 878 |
| Net loans and leases to core deposits | 102.2993% | 1,306 |
| Total domestic deposits to total assets | 81.5660% | 4,429 |
| Equity capital to assets | 11.3458% | 2,531 |
| Core capital (leverage) ratio | 9.6640% | 4,050 |
| Tier 1 risk-based capital ratio | 10.6702% | 5,851 |
| Total risk-based capital ratio | 11.8044% | 5,847 |
| Memoranda: | ||
| Average total assets | $809,766,000 | 876 |
| Average earning assets | $738,283,670 | 874 |
| Average equity | $94,769,330 | 816 |
| Average total loans | $649,277,670 | 722 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2518% | 2,270 |
| Cost of funding earning assets | 0.5007% | 2,271 |
| Net interest margin | 3.7511% | 2,430 |
| Noninterest income to average assets | 0.3841% | 4,126 |
| Noninterest expense to average assets | 2.5771% | 4,012 |
| Loan and lease loss provision to assets | 0.0454% | 3,014 |
| Net operating income to assets | 0.7512% | 3,530 |
| Return on assets (ROA) | 0.7561% | 3,642 |
| Pretax return on assets | 1.1871% | 2,723 |
| Return on Equity (ROE) | 6.3568% | 3,848 |
| Retained earnings to average equity (ytd only) | 5.3469% | 2,867 |
| Net charge-offs to loans | 0.0484% | 2,307 |
| Credit loss provision to net charge-offs | 116.8831% | 1,468 |
| Earnings coverage of net charge-offs (x) | 31.5195% | 1,123 |
| Efficiency ratio | 67.5295% | 3,901 |
| Assets per employee ($millions) | 5.5849% | 1,727 |
| Cash dividends to net income (ytd only)* | 15.8879% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 3,647 |
| Loan loss allowance to noncurrent loans | 181.6180% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.7526% | 3,236 |
| Noncurrent loans to loans | 0.6924% | 3,546 |
| Net loans and leases to total assets | 78.9143% | 806 |
| Net loans and leases to deposits | 96.6107% | 790 |
| Net loans and leases to core deposits | 102.0303% | 1,175 |
| Total domestic deposits to total assets | 81.6828% | 4,615 |
| Equity capital to assets | 11.8112% | 2,182 |
| Core capital (leverage) ratio | 9.9607% | 3,650 |
| Tier 1 risk-based capital ratio | 10.9041% | 5,849 |
| Total risk-based capital ratio | 12.0484% | 5,825 |
| Memoranda: | ||
| Average total assets | $792,528,500 | 888 |
| Average earning assets | $722,142,500 | 894 |
| Average equity | $94,261,000 | 818 |
| Average total loans | $635,968,500 | 735 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3424% | 2,450 |
| Cost of funding earning assets | 0.4933% | 2,732 |
| Net interest margin | 3.8491% | 2,432 |
| Noninterest income to average assets | 0.3917% | 4,255 |
| Noninterest expense to average assets | 2.5509% | 4,396 |
| Loan and lease loss provision to assets | 0.0805% | 2,868 |
| Net operating income to assets | 0.7947% | 3,401 |
| Return on assets (ROA) | 0.8019% | 3,460 |
| Pretax return on assets | 1.2636% | 2,374 |
| Return on Equity (ROE) | 6.4452% | 3,933 |
| Retained earnings to average equity (ytd only) | 4.3423% | 3,096 |
| Net charge-offs to loans | 0.0694% | 3,482 |
| Credit loss provision to net charge-offs | 146.4623% | 1,641 |
| Earnings coverage of net charge-offs (x) | 24.2453% | 1,549 |
| Efficiency ratio | 65.3948% | 4,342 |
| Assets per employee ($millions) | 5.6175% | 1,675 |
| Cash dividends to net income (ytd only)* | 32.6273% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 3,528 |
| Loan loss allowance to noncurrent loans | 129.3731% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 1.0041% | 2,743 |
| Noncurrent loans to loans | 0.9913% | 2,850 |
| Net loans and leases to total assets | 79.5481% | 803 |
| Net loans and leases to deposits | 96.4650% | 872 |
| Net loans and leases to core deposits | 101.6816% | 1,269 |
| Total domestic deposits to total assets | 82.4632% | 4,267 |
| Equity capital to assets | 11.9787% | 2,031 |
| Core capital (leverage) ratio | 9.9003% | 3,711 |
| Tier 1 risk-based capital ratio | 11.3074% | 5,767 |
| Total risk-based capital ratio | 12.5125% | 5,711 |
| Memoranda: | ||
| Average total assets | $771,302,400 | 878 |
| Average earning assets | $699,750,200 | 879 |
| Average equity | $95,963,000 | 769 |
| Average total loans | $610,589,800 | 717 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3377% | 2,468 |
| Cost of funding earning assets | 0.4948% | 2,817 |
| Net interest margin | 3.8429% | 2,466 |
| Noninterest income to average assets | 0.4080% | 4,182 |
| Noninterest expense to average assets | 2.5268% | 4,443 |
| Loan and lease loss provision to assets | 0.0903% | 2,547 |
| Net operating income to assets | 0.8092% | 3,389 |
| Return on assets (ROA) | 0.8113% | 3,473 |
| Pretax return on assets | 1.2792% | 2,461 |
| Return on Equity (ROE) | 6.4601% | 3,993 |
| Retained earnings to average equity (ytd only) | 4.3477% | 3,562 |
| Net charge-offs to loans | 0.0202% | 4,123 |
| Credit loss provision to net charge-offs | 566.3043% | 516 |
| Earnings coverage of net charge-offs (x) | 85.6438% | 659 |
| Efficiency ratio | 64.6163% | 4,442 |
| Assets per employee ($millions) | 5.5791% | 1,653 |
| Cash dividends to net income (ytd only)* | 32.6993% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3470% | 3,406 |
| Loan loss allowance to noncurrent loans | 119.9740% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 1.0301% | 2,901 |
| Noncurrent loans to loans | 1.1228% | 2,812 |
| Net loans and leases to total assets | 78.3940% | 916 |
| Net loans and leases to deposits | 96.6179% | 834 |
| Net loans and leases to core deposits | 101.0979% | 1,282 |
| Total domestic deposits to total assets | 81.1382% | 4,788 |
| Equity capital to assets | 12.7000% | 1,582 |
| Core capital (leverage) ratio | 10.7577% | 2,751 |
| Tier 1 risk-based capital ratio | 11.9815% | 5,500 |
| Total risk-based capital ratio | 13.2146% | 5,424 |
| Memoranda: | ||
| Average total assets | $768,921,000 | 885 |
| Average earning assets | $697,311,250 | 884 |
| Average equity | $96,570,500 | 759 |
| Average total loans | $605,936,500 | 725 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3242% | 2,503 |
| Cost of funding earning assets | 0.4997% | 2,836 |
| Net interest margin | 3.8245% | 2,467 |
| Noninterest income to average assets | 0.4257% | 4,050 |
| Noninterest expense to average assets | 2.5454% | 4,436 |
| Loan and lease loss provision to assets | 0.1359% | 1,822 |
| Net operating income to assets | 0.7716% | 3,458 |
| Return on assets (ROA) | 0.7716% | 3,563 |
| Pretax return on assets | 1.2124% | 2,611 |
| Return on Equity (ROE) | 6.1669% | 4,066 |
| Retained earnings to average equity (ytd only) | 3.5088% | 3,969 |
| Net charge-offs to loans | 0.1955% | 1,853 |
| Credit loss provision to net charge-offs | 88.4550% | 2,208 |
| Earnings coverage of net charge-offs (x) | 8.7759% | 2,447 |
| Efficiency ratio | 65.0499% | 4,529 |
| Assets per employee ($millions) | 5.4303% | 1,763 |
| Cash dividends to net income (ytd only)* | 43.1034% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 4,003 |
| Loan loss allowance to noncurrent loans | 117.0015% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.0649% | 2,940 |
| Noncurrent loans to loans | 1.0892% | 3,053 |
| Net loans and leases to total assets | 78.9602% | 799 |
| Net loans and leases to deposits | 96.2706% | 783 |
| Net loans and leases to core deposits | 100.4706% | 1,242 |
| Total domestic deposits to total assets | 82.0191% | 4,640 |
| Equity capital to assets | 12.6697% | 1,555 |
| Core capital (leverage) ratio | 10.5699% | 2,863 |
| Tier 1 risk-based capital ratio | 11.7646% | 5,658 |
| Total risk-based capital ratio | 12.9241% | 5,655 |
| Memoranda: | ||
| Average total assets | $766,730,000 | 887 |
| Average earning assets | $695,251,330 | 888 |
| Average equity | $95,931,330 | 757 |
| Average total loans | $602,501,330 | 722 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 2,534 |
| Cost of funding earning assets | 0.5003% | 2,909 |
| Net interest margin | 3.7966% | 2,486 |
| Noninterest income to average assets | 0.4828% | 3,547 |
| Noninterest expense to average assets | 2.5556% | 4,425 |
| Loan and lease loss provision to assets | 0.1475% | 1,649 |
| Net operating income to assets | 0.7799% | 3,254 |
| Return on assets (ROA) | 0.7799% | 3,336 |
| Pretax return on assets | 1.2251% | 2,373 |
| Return on Equity (ROE) | 6.2730% | 3,870 |
| Retained earnings to average equity (ytd only) | 2.4991% | 4,571 |
| Net charge-offs to loans | 0.3936% | 926 |
| Credit loss provision to net charge-offs | 48.1293% | 2,224 |
| Earnings coverage of net charge-offs (x) | 4.4779% | 2,519 |
| Efficiency ratio | 64.6715% | 4,752 |
| Assets per employee ($millions) | 5.4249% | 1,776 |
| Cash dividends to net income (ytd only)* | 60.1604% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 4,238 |
| Loan loss allowance to noncurrent loans | 103.9423% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.2607% | 2,753 |
| Noncurrent loans to loans | 1.2291% | 2,992 |
| Net loans and leases to total assets | 76.4442% | 948 |
| Net loans and leases to deposits | 92.9414% | 879 |
| Net loans and leases to core deposits | 97.0450% | 1,309 |
| Total domestic deposits to total assets | 82.2500% | 4,873 |
| Equity capital to assets | 12.5174% | 1,564 |
| Core capital (leverage) ratio | 10.5463% | 2,876 |
| Tier 1 risk-based capital ratio | 11.8442% | 5,730 |
| Total risk-based capital ratio | 12.9926% | 5,730 |
| Memoranda: | ||
| Average total assets | $767,255,500 | 885 |
| Average earning assets | $696,315,500 | 886 |
| Average equity | $95,392,500 | 767 |
| Average total loans | $597,559,000 | 726 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 2,395 |
| Cost of funding earning assets | 0.5576% | 3,046 |
| Net interest margin | 3.8921% | 2,314 |
| Noninterest income to average assets | 0.3317% | 4,961 |
| Noninterest expense to average assets | 2.6815% | 4,155 |
| Loan and lease loss provision to assets | 0.1219% | 2,789 |
| Net operating income to assets | 0.6935% | 3,823 |
| Return on assets (ROA) | 0.7121% | 3,823 |
| Pretax return on assets | 1.1102% | 2,915 |
| Return on Equity (ROE) | 5.6883% | 4,279 |
| Retained earnings to average equity (ytd only) | 4.4789% | 2,989 |
| Net charge-offs to loans | 0.1750% | 3,080 |
| Credit loss provision to net charge-offs | 89.0411% | 2,791 |
| Earnings coverage of net charge-offs (x) | 8.7857% | 2,608 |
| Efficiency ratio | 68.3717% | 4,130 |
| Assets per employee ($millions) | 5.5768% | 1,585 |
| Cash dividends to net income (ytd only)* | 21.2606% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 4,112 |
| Loan loss allowance to noncurrent loans | 131.0035% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 1.0839% | 3,241 |
| Noncurrent loans to loans | 0.9968% | 3,520 |
| Net loans and leases to total assets | 77.3062% | 913 |
| Net loans and leases to deposits | 93.7064% | 902 |
| Net loans and leases to core deposits | 97.5270% | 1,345 |
| Total domestic deposits to total assets | 82.4983% | 4,714 |
| Equity capital to assets | 12.3490% | 1,593 |
| Core capital (leverage) ratio | 10.3504% | 3,091 |
| Tier 1 risk-based capital ratio | 11.9357% | 5,652 |
| Total risk-based capital ratio | 13.1495% | 5,618 |
| Memoranda: | ||
| Average total assets | $746,359,800 | 893 |
| Average earning assets | $681,311,400 | 891 |
| Average equity | $93,438,200 | 752 |
| Average total loans | $584,123,400 | 716 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4637% | 2,375 |
| Cost of funding earning assets | 0.5696% | 3,083 |
| Net interest margin | 3.8941% | 2,298 |
| Noninterest income to average assets | 0.3459% | 4,923 |
| Noninterest expense to average assets | 2.7184% | 3,954 |
| Loan and lease loss provision to assets | 0.1278% | 2,690 |
| Net operating income to assets | 0.6772% | 3,967 |
| Return on assets (ROA) | 0.6948% | 4,024 |
| Pretax return on assets | 1.0846% | 3,174 |
| Return on Equity (ROE) | 5.5302% | 4,456 |
| Retained earnings to average equity (ytd only) | 4.8423% | 3,203 |
| Net charge-offs to loans | 0.0824% | 3,773 |
| Credit loss provision to net charge-offs | 198.3240% | 1,222 |
| Earnings coverage of net charge-offs (x) | 18.3827% | 1,685 |
| Efficiency ratio | 69.2020% | 3,888 |
| Assets per employee ($millions) | 5.8239% | 1,365 |
| Cash dividends to net income (ytd only)* | 12.4384% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 3,821 |
| Loan loss allowance to noncurrent loans | 87.5079% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.4335% | 2,805 |
| Noncurrent loans to loans | 1.6204% | 2,747 |
| Net loans and leases to total assets | 76.5460% | 930 |
| Net loans and leases to deposits | 92.4028% | 954 |
| Net loans and leases to core deposits | 95.4717% | 1,436 |
| Total domestic deposits to total assets | 82.8395% | 4,637 |
| Equity capital to assets | 12.4613% | 1,604 |
| Core capital (leverage) ratio | 10.5430% | 2,960 |
| Tier 1 risk-based capital ratio | 12.1292% | 5,698 |
| Total risk-based capital ratio | 13.3801% | 5,633 |
| Memoranda: | ||
| Average total assets | $740,551,250 | 908 |
| Average earning assets | $676,522,000 | 899 |
| Average equity | $93,038,500 | 757 |
| Average total loans | $579,450,250 | 721 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5210% | 2,114 |
| Cost of funding earning assets | 0.5875% | 3,056 |
| Net interest margin | 3.9335% | 2,096 |
| Noninterest income to average assets | 0.3360% | 4,997 |
| Noninterest expense to average assets | 2.8121% | 3,632 |
| Loan and lease loss provision to assets | 0.1252% | 2,758 |
| Net operating income to assets | 0.6373% | 4,121 |
| Return on assets (ROA) | 0.6639% | 4,151 |
| Pretax return on assets | 1.0332% | 3,358 |
| Return on Equity (ROE) | 5.2698% | 4,582 |
| Retained earnings to average equity (ytd only) | 4.5031% | 3,403 |
| Net charge-offs to loans | 0.0829% | 3,539 |
| Credit loss provision to net charge-offs | 192.4686% | 1,237 |
| Earnings coverage of net charge-offs (x) | 17.1715% | 1,623 |
| Efficiency ratio | 71.1130% | 3,626 |
| Assets per employee ($millions) | 5.5307% | 1,554 |
| Cash dividends to net income (ytd only)* | 14.5492% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 3,963 |
| Loan loss allowance to noncurrent loans | 88.4445% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.4752% | 2,893 |
| Noncurrent loans to loans | 1.6007% | 2,908 |
| Net loans and leases to total assets | 77.6745% | 787 |
| Net loans and leases to deposits | 94.2535% | 793 |
| Net loans and leases to core deposits | 97.4964% | 1,250 |
| Total domestic deposits to total assets | 82.4102% | 4,908 |
| Equity capital to assets | 12.6744% | 1,484 |
| Core capital (leverage) ratio | 10.4733% | 2,915 |
| Tier 1 risk-based capital ratio | 12.1919% | 5,685 |
| Total risk-based capital ratio | 13.4428% | 5,629 |
| Memoranda: | ||
| Average total assets | $735,031,000 | 911 |
| Average earning assets | $671,357,670 | 903 |
| Average equity | $92,602,670 | 762 |
| Average total loans | $576,642,000 | 720 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5003% | 2,168 |
| Cost of funding earning assets | 0.6157% | 2,961 |
| Net interest margin | 3.8845% | 2,166 |
| Noninterest income to average assets | 0.3631% | 4,757 |
| Noninterest expense to average assets | 2.8603% | 3,504 |
| Loan and lease loss provision to assets | 0.0980% | 3,053 |
| Net operating income to assets | 0.6049% | 4,187 |
| Return on assets (ROA) | 0.6582% | 4,073 |
| Pretax return on assets | 1.0256% | 3,240 |
| Return on Equity (ROE) | 5.2401% | 4,436 |
| Retained earnings to average equity (ytd only) | 4.1565% | 3,726 |
| Net charge-offs to loans | -0.0216% | 5,749 |
| Credit loss provision to net charge-offs | -580.6452% | 5,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7983% | 3,470 |
| Assets per employee ($millions) | 5.6156% | 1,572 |
| Cash dividends to net income (ytd only)* | 20.6782% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 4,160 |
| Loan loss allowance to noncurrent loans | 82.9873% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.5313% | 2,963 |
| Noncurrent loans to loans | 1.7058% | 2,988 |
| Net loans and leases to total assets | 77.5812% | 656 |
| Net loans and leases to deposits | 94.2979% | 650 |
| Net loans and leases to core deposits | 96.9373% | 1,148 |
| Total domestic deposits to total assets | 82.2725% | 5,103 |
| Equity capital to assets | 12.5977% | 1,654 |
| Core capital (leverage) ratio | 10.3631% | 2,950 |
| Tier 1 risk-based capital ratio | 12.0399% | 5,893 |
| Total risk-based capital ratio | 13.2909% | 5,847 |
| Memoranda: | ||
| Average total assets | $734,756,500 | 921 |
| Average earning assets | $669,114,500 | 909 |
| Average equity | $92,289,000 | 775 |
| Average total loans | $575,181,500 | 728 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 2,067 |
| Cost of funding earning assets | 0.7245% | 3,293 |
| Net interest margin | 4.1133% | 1,948 |
| Noninterest income to average assets | 0.3421% | 5,014 |
| Noninterest expense to average assets | 2.7853% | 4,081 |
| Loan and lease loss provision to assets | 0.1974% | 3,165 |
| Net operating income to assets | 0.7105% | 3,693 |
| Return on assets (ROA) | 0.7139% | 3,931 |
| Pretax return on assets | 1.1148% | 3,106 |
| Return on Equity (ROE) | 5.5781% | 4,383 |
| Retained earnings to average equity (ytd only) | 5.3266% | 2,485 |
| Net charge-offs to loans | 0.1287% | 4,391 |
| Credit loss provision to net charge-offs | 195.4674% | 1,336 |
| Earnings coverage of net charge-offs (x) | 12.9419% | 1,883 |
| Efficiency ratio | 67.4962% | 4,233 |
| Assets per employee ($millions) | 5.3567% | 1,832 |
| Cash dividends to net income (ytd only)* | 4.5072% | 4,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 4,186 |
| Loan loss allowance to noncurrent loans | 106.8237% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.2572% | 3,545 |
| Noncurrent loans to loans | 1.3079% | 3,646 |
| Net loans and leases to total assets | 76.7797% | 822 |
| Net loans and leases to deposits | 92.6796% | 852 |
| Net loans and leases to core deposits | 95.9749% | 1,305 |
| Total domestic deposits to total assets | 82.8442% | 4,783 |
| Equity capital to assets | 12.5232% | 1,695 |
| Core capital (leverage) ratio | 10.3485% | 2,946 |
| Tier 1 risk-based capital ratio | 12.0174% | 5,780 |
| Total risk-based capital ratio | 13.2681% | 5,731 |
| Memoranda: | ||
| Average total assets | $699,212,400 | 939 |
| Average earning assets | $637,443,000 | 944 |
| Average equity | $89,493,400 | 782 |
| Average total loans | $548,450,000 | 758 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 2,058 |
| Cost of funding earning assets | 0.7423% | 3,410 |
| Net interest margin | 4.1447% | 1,921 |
| Noninterest income to average assets | 0.3620% | 4,926 |
| Noninterest expense to average assets | 2.8236% | 3,900 |
| Loan and lease loss provision to assets | 0.1834% | 3,296 |
| Net operating income to assets | 0.7254% | 3,797 |
| Return on assets (ROA) | 0.7155% | 4,092 |
| Pretax return on assets | 1.1183% | 3,279 |
| Return on Equity (ROE) | 5.5587% | 4,567 |
| Retained earnings to average equity (ytd only) | 5.2588% | 3,183 |
| Net charge-offs to loans | 0.1902% | 3,593 |
| Credit loss provision to net charge-offs | 122.7390% | 2,357 |
| Earnings coverage of net charge-offs (x) | 8.8140% | 2,395 |
| Efficiency ratio | 67.6070% | 4,152 |
| Assets per employee ($millions) | 5.0725% | 2,088 |
| Cash dividends to net income (ytd only)* | 5.3967% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 4,592 |
| Loan loss allowance to noncurrent loans | 88.7703% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.7056% | 3,035 |
| Noncurrent loans to loans | 1.5194% | 3,506 |
| Net loans and leases to total assets | 77.6582% | 769 |
| Net loans and leases to deposits | 94.5764% | 748 |
| Net loans and leases to core deposits | 98.1594% | 1,254 |
| Total domestic deposits to total assets | 82.1116% | 4,976 |
| Equity capital to assets | 12.8749% | 1,658 |
| Core capital (leverage) ratio | 10.5700% | 2,834 |
| Tier 1 risk-based capital ratio | 12.0099% | 5,928 |
| Total risk-based capital ratio | 13.2599% | 5,918 |
| Memoranda: | ||
| Average total assets | $690,548,000 | 962 |
| Average earning assets | $629,578,250 | 965 |
| Average equity | $88,890,750 | 789 |
| Average total loans | $542,700,750 | 768 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 2,080 |
| Cost of funding earning assets | 0.7611% | 3,510 |
| Net interest margin | 4.1454% | 1,926 |
| Noninterest income to average assets | 0.3634% | 4,928 |
| Noninterest expense to average assets | 2.8444% | 3,852 |
| Loan and lease loss provision to assets | 0.1808% | 3,291 |
| Net operating income to assets | 0.7163% | 3,778 |
| Return on assets (ROA) | 0.7073% | 4,093 |
| Pretax return on assets | 1.1037% | 3,291 |
| Return on Equity (ROE) | 5.4950% | 4,588 |
| Retained earnings to average equity (ytd only) | 5.3817% | 3,055 |
| Net charge-offs to loans | 0.2495% | 3,083 |
| Credit loss provision to net charge-offs | 92.2619% | 2,973 |
| Earnings coverage of net charge-offs (x) | 6.6250% | 2,605 |
| Efficiency ratio | 68.0513% | 4,116 |
| Assets per employee ($millions) | 4.9137% | 2,278 |
| Cash dividends to net income (ytd only)* | 2.0619% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 4,790 |
| Loan loss allowance to noncurrent loans | 137.8538% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 1.2695% | 3,889 |
| Noncurrent loans to loans | 0.9591% | 4,592 |
| Net loans and leases to total assets | 77.6360% | 770 |
| Net loans and leases to deposits | 94.5261% | 729 |
| Net loans and leases to core deposits | 98.1828% | 1,257 |
| Total domestic deposits to total assets | 82.1318% | 5,083 |
| Equity capital to assets | 12.8268% | 1,606 |
| Core capital (leverage) ratio | 10.4938% | 2,808 |
| Tier 1 risk-based capital ratio | 11.9334% | 5,971 |
| Total risk-based capital ratio | 13.1586% | 5,957 |
| Memoranda: | ||
| Average total assets | $685,704,330 | 965 |
| Average earning assets | $625,181,330 | 966 |
| Average equity | $88,261,670 | 788 |
| Average total loans | $538,588,330 | 775 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9895% | 1,929 |
| Cost of funding earning assets | 0.7890% | 3,556 |
| Net interest margin | 4.2006% | 1,755 |
| Noninterest income to average assets | 0.3178% | 5,331 |
| Noninterest expense to average assets | 2.8454% | 3,843 |
| Loan and lease loss provision to assets | 0.2060% | 2,892 |
| Net operating income to assets | 0.7027% | 3,873 |
| Return on assets (ROA) | 0.7027% | 4,088 |
| Pretax return on assets | 1.0952% | 3,341 |
| Return on Equity (ROE) | 5.4493% | 4,569 |
| Retained earnings to average equity (ytd only) | 5.4493% | 3,289 |
| Net charge-offs to loans | 0.4754% | 1,901 |
| Credit loss provision to net charge-offs | 55.2050% | 3,196 |
| Earnings coverage of net charge-offs (x) | 3.4874% | 2,824 |
| Efficiency ratio | 67.9393% | 4,185 |
| Assets per employee ($millions) | 4.9627% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 4,978 |
| Loan loss allowance to noncurrent loans | 140.5481% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 1.7931% | 3,183 |
| Noncurrent loans to loans | 0.9315% | 4,803 |
| Net loans and leases to total assets | 77.3378% | 655 |
| Net loans and leases to deposits | 94.2381% | 644 |
| Net loans and leases to core deposits | 97.7606% | 1,142 |
| Total domestic deposits to total assets | 82.0663% | 5,272 |
| Equity capital to assets | 12.8868% | 1,492 |
| Core capital (leverage) ratio | 10.4822% | 2,772 |
| Tier 1 risk-based capital ratio | 12.0815% | 5,906 |
| Total risk-based capital ratio | 13.3033% | 5,906 |
| Memoranda: | ||
| Average total assets | $679,686,000 | 969 |
| Average earning assets | $619,535,500 | 969 |
| Average equity | $87,643,500 | 792 |
| Average total loans | $533,404,500 | 779 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1457% | 2,265 |
| Cost of funding earning assets | 0.8682% | 4,335 |
| Net interest margin | 4.2775% | 1,776 |
| Noninterest income to average assets | 0.3631% | 4,910 |
| Noninterest expense to average assets | 2.9221% | 3,872 |
| Loan and lease loss provision to assets | 0.3335% | 3,027 |
| Net operating income to assets | 0.6434% | 3,771 |
| Return on assets (ROA) | 0.6748% | 3,805 |
| Pretax return on assets | 1.0595% | 3,002 |
| Return on Equity (ROE) | 5.3533% | 4,223 |
| Retained earnings to average equity (ytd only) | 5.3533% | 2,409 |
| Net charge-offs to loans | 0.2192% | 4,415 |
| Credit loss provision to net charge-offs | 193.2515% | 1,318 |
| Earnings coverage of net charge-offs (x) | 7.7888% | 2,261 |
| Efficiency ratio | 67.7833% | 4,403 |
| Assets per employee ($millions) | 4.8878% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 4,562 |
| Loan loss allowance to noncurrent loans | 139.5038% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 1.9281% | 3,071 |
| Noncurrent loans to loans | 0.9884% | 4,729 |
| Net loans and leases to total assets | 77.5105% | 770 |
| Net loans and leases to deposits | 94.1782% | 803 |
| Net loans and leases to core deposits | 97.9253% | 1,334 |
| Total domestic deposits to total assets | 82.3020% | 5,027 |
| Equity capital to assets | 12.9028% | 1,540 |
| Core capital (leverage) ratio | 10.3754% | 2,870 |
| Tier 1 risk-based capital ratio | 11.9970% | 5,842 |
| Total risk-based capital ratio | 13.2474% | 5,812 |
| Memoranda: | ||
| Average total assets | $661,241,200 | 980 |
| Average earning assets | $603,343,400 | 972 |
| Average equity | $83,350,800 | 806 |
| Average total loans | $520,458,200 | 798 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1743% | 2,298 |
| Cost of funding earning assets | 0.8796% | 4,558 |
| Net interest margin | 4.2947% | 1,741 |
| Noninterest income to average assets | 0.3808% | 4,804 |
| Noninterest expense to average assets | 2.9683% | 3,676 |
| Loan and lease loss provision to assets | 0.3759% | 2,599 |
| Net operating income to assets | 0.6103% | 4,041 |
| Return on assets (ROA) | 0.6523% | 4,028 |
| Pretax return on assets | 1.0226% | 3,318 |
| Return on Equity (ROE) | 5.2067% | 4,445 |
| Retained earnings to average equity (ytd only) | 5.2067% | 3,054 |
| Net charge-offs to loans | 0.2852% | 3,659 |
| Credit loss provision to net charge-offs | 167.4188% | 1,808 |
| Earnings coverage of net charge-offs (x) | 5.9359% | 2,666 |
| Efficiency ratio | 68.2906% | 4,261 |
| Assets per employee ($millions) | 4.5886% | 2,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 4,759 |
| Loan loss allowance to noncurrent loans | 110.1954% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 1.9446% | 3,211 |
| Noncurrent loans to loans | 1.2280% | 4,488 |
| Net loans and leases to total assets | 76.6177% | 890 |
| Net loans and leases to deposits | 93.4744% | 882 |
| Net loans and leases to core deposits | 97.5971% | 1,455 |
| Total domestic deposits to total assets | 81.9666% | 5,102 |
| Equity capital to assets | 12.9609% | 1,632 |
| Core capital (leverage) ratio | 10.2534% | 3,127 |
| Tier 1 risk-based capital ratio | 12.2268% | 5,723 |
| Total risk-based capital ratio | 13.4771% | 5,710 |
| Memoranda: | ||
| Average total assets | $657,922,750 | 992 |
| Average earning assets | $600,563,750 | 984 |
| Average equity | $82,430,750 | 820 |
| Average total loans | $518,040,250 | 817 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1770% | 2,356 |
| Cost of funding earning assets | 0.8891% | 4,761 |
| Net interest margin | 4.2878% | 1,714 |
| Noninterest income to average assets | 0.3979% | 4,695 |
| Noninterest expense to average assets | 2.9787% | 3,722 |
| Loan and lease loss provision to assets | 0.3433% | 2,724 |
| Net operating income to assets | 0.6338% | 3,892 |
| Return on assets (ROA) | 0.6338% | 4,016 |
| Pretax return on assets | 0.9902% | 3,276 |
| Return on Equity (ROE) | 5.1181% | 4,395 |
| Retained earnings to average equity (ytd only) | 5.1181% | 2,928 |
| Net charge-offs to loans | 0.2195% | 3,809 |
| Credit loss provision to net charge-offs | 197.7153% | 1,534 |
| Earnings coverage of net charge-offs (x) | 7.6801% | 2,187 |
| Efficiency ratio | 68.3343% | 4,457 |
| Assets per employee ($millions) | 4.4237% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 5,026 |
| Loan loss allowance to noncurrent loans | 113.4234% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 2.0135% | 3,213 |
| Noncurrent loans to loans | 1.1523% | 4,735 |
| Net loans and leases to total assets | 75.8853% | 1,089 |
| Net loans and leases to deposits | 91.3548% | 1,127 |
| Net loans and leases to core deposits | 95.5737% | 1,725 |
| Total domestic deposits to total assets | 83.0666% | 4,727 |
| Equity capital to assets | 12.1726% | 1,982 |
| Core capital (leverage) ratio | 9.7520% | 3,594 |
| Tier 1 risk-based capital ratio | 11.4257% | 6,228 |
| Total risk-based capital ratio | 12.6532% | 6,231 |
| Memoranda: | ||
| Average total assets | $655,449,670 | 1,004 |
| Average earning assets | $598,344,330 | 998 |
| Average equity | $81,163,000 | 827 |
| Average total loans | $518,466,000 | 828 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1962% | 2,235 |
| Cost of funding earning assets | 0.8917% | 4,980 |
| Net interest margin | 4.3044% | 1,552 |
| Noninterest income to average assets | 0.2736% | 5,718 |
| Noninterest expense to average assets | 2.9481% | 3,864 |
| Loan and lease loss provision to assets | 0.3257% | 2,596 |
| Net operating income to assets | 0.5968% | 4,048 |
| Return on assets (ROA) | 0.5968% | 4,119 |
| Pretax return on assets | 0.9287% | 3,403 |
| Return on Equity (ROE) | 4.7771% | 4,513 |
| Retained earnings to average equity (ytd only) | 4.7771% | 3,317 |
| Net charge-offs to loans | 0.1778% | 3,428 |
| Credit loss provision to net charge-offs | 228.2609% | 1,338 |
| Earnings coverage of net charge-offs (x) | 8.7913% | 1,787 |
| Efficiency ratio | 69.3091% | 4,415 |
| Assets per employee ($millions) | 4.3803% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 5,369 |
| Loan loss allowance to noncurrent loans | 105.1946% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 2.1303% | 3,147 |
| Noncurrent loans to loans | 1.1912% | 4,696 |
| Net loans and leases to total assets | 78.9749% | 623 |
| Net loans and leases to deposits | 95.8286% | 704 |
| Net loans and leases to core deposits | 100.3768% | 1,309 |
| Total domestic deposits to total assets | 82.4127% | 5,138 |
| Equity capital to assets | 12.4195% | 1,669 |
| Core capital (leverage) ratio | 9.9287% | 3,229 |
| Tier 1 risk-based capital ratio | 11.1703% | 6,378 |
| Total risk-based capital ratio | 12.3459% | 6,415 |
| Memoranda: | ||
| Average total assets | $644,758,500 | 1,027 |
| Average earning assets | $588,507,500 | 1,020 |
| Average equity | $80,550,500 | 824 |
| Average total loans | $517,490,000 | 839 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2406% | 3,407 |
| Cost of funding earning assets | 1.0378% | 5,497 |
| Net interest margin | 4.2028% | 2,174 |
| Noninterest income to average assets | 0.3055% | 5,613 |
| Noninterest expense to average assets | 2.8253% | 4,496 |
| Loan and lease loss provision to assets | 0.4773% | 3,273 |
| Net operating income to assets | 0.5775% | 3,769 |
| Return on assets (ROA) | 0.5700% | 3,961 |
| Pretax return on assets | 0.8543% | 3,463 |
| Return on Equity (ROE) | 4.7267% | 4,188 |
| Retained earnings to average equity (ytd only) | 4.4394% | 2,751 |
| Net charge-offs to loans | 0.5913% | 3,257 |
| Credit loss provision to net charge-offs | 102.0408% | 4,438 |
| Earnings coverage of net charge-offs (x) | 2.8703% | 3,637 |
| Efficiency ratio | 66.9019% | 4,777 |
| Assets per employee ($millions) | 4.3030% | 3,200 |
| Cash dividends to net income (ytd only)* | 6.0778% | 3,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 5,427 |
| Loan loss allowance to noncurrent loans | 110.5682% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 2.1586% | 3,144 |
| Noncurrent loans to loans | 1.1012% | 4,899 |
| Net loans and leases to total assets | 79.5713% | 718 |
| Net loans and leases to deposits | 96.3966% | 836 |
| Net loans and leases to core deposits | 100.1858% | 1,599 |
| Total domestic deposits to total assets | 82.5458% | 4,998 |
| Equity capital to assets | 12.5686% | 1,591 |
| Core capital (leverage) ratio | 9.7249% | 3,405 |
| Tier 1 risk-based capital ratio | 11.1647% | 6,206 |
| Total risk-based capital ratio | 12.3054% | 6,262 |
| Memoranda: | ||
| Average total assets | $649,425,400 | 1,029 |
| Average earning assets | $596,842,600 | 1,013 |
| Average equity | $78,320,800 | 842 |
| Average total loans | $513,815,800 | 877 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1996% | 3,832 |
| Cost of funding earning assets | 1.0680% | 5,601 |
| Net interest margin | 4.1316% | 2,481 |
| Noninterest income to average assets | 0.2852% | 5,833 |
| Noninterest expense to average assets | 2.7981% | 4,497 |
| Loan and lease loss provision to assets | 0.4801% | 3,073 |
| Net operating income to assets | 0.5341% | 4,170 |
| Return on assets (ROA) | 0.5341% | 4,339 |
| Pretax return on assets | 0.8111% | 3,863 |
| Return on Equity (ROE) | 4.4746% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.2811% | 3,482 |
| Net charge-offs to loans | 0.3779% | 3,790 |
| Credit loss provision to net charge-offs | 161.2903% | 2,345 |
| Earnings coverage of net charge-offs (x) | 4.3377% | 3,090 |
| Efficiency ratio | 67.5144% | 4,561 |
| Assets per employee ($millions) | 4.3870% | 3,098 |
| Cash dividends to net income (ytd only)* | 4.3228% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 4,701 |
| Loan loss allowance to noncurrent loans | 75.1274% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 2.0245% | 3,436 |
| Noncurrent loans to loans | 1.8004% | 3,946 |
| Net loans and leases to total assets | 80.5827% | 654 |
| Net loans and leases to deposits | 97.1696% | 867 |
| Net loans and leases to core deposits | 101.9218% | 1,659 |
| Total domestic deposits to total assets | 82.9299% | 4,621 |
| Equity capital to assets | 12.3726% | 1,929 |
| Core capital (leverage) ratio | 9.5910% | 3,779 |
| Tier 1 risk-based capital ratio | 10.9364% | 6,435 |
| Total risk-based capital ratio | 12.1869% | 6,416 |
| Memoranda: | ||
| Average total assets | $652,569,750 | 1,031 |
| Average earning assets | $600,846,250 | 1,013 |
| Average equity | $77,890,250 | 852 |
| Average total loans | $514,021,250 | 880 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1099% | 4,402 |
| Cost of funding earning assets | 1.1238% | 5,559 |
| Net interest margin | 3.9861% | 3,085 |
| Noninterest income to average assets | 0.2918% | 5,815 |
| Noninterest expense to average assets | 2.8218% | 4,387 |
| Loan and lease loss provision to assets | 0.4264% | 3,194 |
| Net operating income to assets | 0.4645% | 4,488 |
| Return on assets (ROA) | 0.4645% | 4,645 |
| Pretax return on assets | 0.7137% | 4,186 |
| Return on Equity (ROE) | 3.9386% | 4,806 |
| Retained earnings to average equity (ytd only) | 3.9386% | 3,574 |
| Net charge-offs to loans | 0.3503% | 3,601 |
| Credit loss provision to net charge-offs | 156.4246% | 2,523 |
| Earnings coverage of net charge-offs (x) | 4.1821% | 3,027 |
| Efficiency ratio | 70.2699% | 4,137 |
| Assets per employee ($millions) | 4.5001% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 4,868 |
| Loan loss allowance to noncurrent loans | 50.9173% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 1.9995% | 3,500 |
| Noncurrent loans to loans | 2.5683% | 3,076 |
| Net loans and leases to total assets | 76.8354% | 1,325 |
| Net loans and leases to deposits | 91.4893% | 1,616 |
| Net loans and leases to core deposits | 96.0450% | 2,431 |
| Total domestic deposits to total assets | 83.9830% | 4,114 |
| Equity capital to assets | 11.9171% | 2,146 |
| Core capital (leverage) ratio | 9.1541% | 4,370 |
| Tier 1 risk-based capital ratio | 11.0647% | 6,167 |
| Total risk-based capital ratio | 12.3148% | 6,159 |
| Memoranda: | ||
| Average total assets | $656,591,000 | 1,032 |
| Average earning assets | $604,556,670 | 1,017 |
| Average equity | $77,438,000 | 846 |
| Average total loans | $510,957,000 | 892 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0741% | 4,658 |
| Cost of funding earning assets | 1.2052% | 5,377 |
| Net interest margin | 3.8688% | 3,463 |
| Noninterest income to average assets | 0.2925% | 5,803 |
| Noninterest expense to average assets | 2.8112% | 4,446 |
| Loan and lease loss provision to assets | 0.4266% | 2,824 |
| Net operating income to assets | 0.4010% | 4,832 |
| Return on assets (ROA) | 0.4010% | 4,979 |
| Pretax return on assets | 0.6131% | 4,556 |
| Return on Equity (ROE) | 3.4178% | 5,159 |
| Retained earnings to average equity (ytd only) | 3.4178% | 4,106 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9418% | 3,941 |
| Assets per employee ($millions) | 4.5482% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 4,647 |
| Loan loss allowance to noncurrent loans | 54.4061% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.9981% | 3,507 |
| Noncurrent loans to loans | 2.4910% | 3,181 |
| Net loans and leases to total assets | 74.9458% | 1,753 |
| Net loans and leases to deposits | 88.7186% | 2,091 |
| Net loans and leases to core deposits | 95.5218% | 2,637 |
| Total domestic deposits to total assets | 84.4758% | 3,906 |
| Equity capital to assets | 11.5723% | 2,311 |
| Core capital (leverage) ratio | 9.2583% | 4,119 |
| Tier 1 risk-based capital ratio | 10.9720% | 6,184 |
| Total risk-based capital ratio | 12.2226% | 6,153 |
| Memoranda: | ||
| Average total assets | $656,376,000 | 1,051 |
| Average earning assets | $603,694,000 | 1,040 |
| Average equity | $77,008,000 | 849 |
| Average total loans | $510,678,500 | 916 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3452% | 4,964 |
| Cost of funding earning assets | 1.5686% | 5,191 |
| Net interest margin | 3.7767% | 3,814 |
| Noninterest income to average assets | 0.2740% | 6,150 |
| Noninterest expense to average assets | 4.0220% | 1,331 |
| Loan and lease loss provision to assets | 0.3549% | 4,675 |
| Net operating income to assets | -0.8488% | 6,470 |
| Return on assets (ROA) | -0.7607% | 6,407 |
| Pretax return on assets | -0.5824% | 6,081 |
| Return on Equity (ROE) | -6.0743% | 6,313 |
| Retained earnings to average equity (ytd only) | -6.0743% | 6,154 |
| Net charge-offs to loans | 0.5852% | 3,464 |
| Credit loss provision to net charge-offs | 77.7504% | 6,345 |
| Earnings coverage of net charge-offs (x) | -0.6911% | 6,803 |
| Efficiency ratio | 78.0996% | 3,174 |
| Assets per employee ($millions) | 4.2945% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2045% | 5,328 |
| Loan loss allowance to noncurrent loans | 43.7001% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 2.1968% | 3,133 |
| Noncurrent loans to loans | 2.7563% | 2,804 |
| Net loans and leases to total assets | 78.7393% | 1,242 |
| Net loans and leases to deposits | 94.0363% | 1,591 |
| Net loans and leases to core deposits | 108.7434% | 3,032 |
| Total domestic deposits to total assets | 83.7329% | 4,163 |
| Equity capital to assets | 11.8984% | 2,084 |
| Core capital (leverage) ratio | 9.1797% | 4,152 |
| Tier 1 risk-based capital ratio | 10.5452% | 6,347 |
| Total risk-based capital ratio | 11.6810% | 6,440 |
| Memoranda: | ||
| Average total assets | $621,258,400 | 1,113 |
| Average earning assets | $564,651,400 | 1,116 |
| Average equity | $77,803,800 | 827 |
| Average total loans | $484,648,800 | 998 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3364% | 5,242 |
| Cost of funding earning assets | 1.6504% | 5,162 |
| Net interest margin | 3.6860% | 4,133 |
| Noninterest income to average assets | 0.2703% | 6,297 |
| Noninterest expense to average assets | 4.4580% | 777 |
| Loan and lease loss provision to assets | 0.2556% | 4,905 |
| Net operating income to assets | -1.2462% | 6,986 |
| Return on assets (ROA) | -1.1699% | 6,949 |
| Pretax return on assets | -1.0241% | 6,708 |
| Return on Equity (ROE) | -9.2212% | 6,826 |
| Retained earnings to average equity (ytd only) | -9.2212% | 6,722 |
| Net charge-offs to loans | 0.1703% | 5,030 |
| Credit loss provision to net charge-offs | 193.4426% | 2,331 |
| Earnings coverage of net charge-offs (x) | -6.3935% | 6,873 |
| Efficiency ratio | 81.7997% | 2,605 |
| Assets per employee ($millions) | 4.2328% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 3,652 |
| Loan loss allowance to noncurrent loans | 37.4740% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 3.2544% | 2,082 |
| Noncurrent loans to loans | 3.8908% | 1,898 |
| Net loans and leases to total assets | 79.6733% | 1,237 |
| Net loans and leases to deposits | 95.6091% | 1,633 |
| Net loans and leases to core deposits | 110.6354% | 3,171 |
| Total domestic deposits to total assets | 83.3323% | 4,049 |
| Equity capital to assets | 12.1556% | 2,153 |
| Core capital (leverage) ratio | 9.2350% | 4,284 |
| Tier 1 risk-based capital ratio | 10.6479% | 6,303 |
| Total risk-based capital ratio | 11.8995% | 6,280 |
| Memoranda: | ||
| Average total assets | $615,530,500 | 1,143 |
| Average earning assets | $558,245,000 | 1,143 |
| Average equity | $78,093,250 | 836 |
| Average total loans | $477,461,250 | 1,025 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2592% | 5,828 |
| Cost of funding earning assets | 1.7644% | 4,932 |
| Net interest margin | 3.4948% | 4,819 |
| Noninterest income to average assets | 0.2706% | 6,332 |
| Noninterest expense to average assets | 3.0352% | 3,947 |
| Loan and lease loss provision to assets | 0.1654% | 5,411 |
| Net operating income to assets | 0.1542% | 5,409 |
| Return on assets (ROA) | 0.2608% | 5,142 |
| Pretax return on assets | 0.3886% | 4,965 |
| Return on Equity (ROE) | 2.0269% | 5,289 |
| Retained earnings to average equity (ytd only) | 2.0269% | 4,213 |
| Net charge-offs to loans | 0.0988% | 5,178 |
| Credit loss provision to net charge-offs | 219.0476% | 2,100 |
| Earnings coverage of net charge-offs (x) | 5.2294% | 2,883 |
| Efficiency ratio | 87.1164% | 2,112 |
| Assets per employee ($millions) | 4.3044% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 3,518 |
| Loan loss allowance to noncurrent loans | 49.0657% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 2.4457% | 2,639 |
| Noncurrent loans to loans | 2.9364% | 2,451 |
| Net loans and leases to total assets | 76.6519% | 2,024 |
| Net loans and leases to deposits | 92.6288% | 2,340 |
| Net loans and leases to core deposits | 108.0064% | 3,609 |
| Total domestic deposits to total assets | 82.7517% | 4,357 |
| Equity capital to assets | 12.9645% | 1,708 |
| Core capital (leverage) ratio | 9.2674% | 4,217 |
| Tier 1 risk-based capital ratio | 10.7298% | 6,161 |
| Total risk-based capital ratio | 11.9805% | 6,099 |
| Memoranda: | ||
| Average total assets | $611,890,000 | 1,167 |
| Average earning assets | $553,159,670 | 1,171 |
| Average equity | $78,741,330 | 842 |
| Average total loans | $467,781,670 | 1,064 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2749% | 6,007 |
| Cost of funding earning assets | 1.9274% | 4,499 |
| Net interest margin | 3.3475% | 5,333 |
| Noninterest income to average assets | 0.2574% | 6,389 |
| Noninterest expense to average assets | 2.9156% | 4,104 |
| Loan and lease loss provision to assets | 0.0998% | 5,688 |
| Net operating income to assets | 0.1679% | 5,762 |
| Return on assets (ROA) | 0.3784% | 5,135 |
| Pretax return on assets | 0.5852% | 4,802 |
| Return on Equity (ROE) | 2.9522% | 5,392 |
| Retained earnings to average equity (ytd only) | 2.9522% | 4,231 |
| Net charge-offs to loans | 0.2028% | 3,419 |
| Credit loss provision to net charge-offs | 64.9351% | 4,439 |
| Earnings coverage of net charge-offs (x) | 2.3506% | 3,553 |
| Efficiency ratio | 87.4163% | 1,943 |
| Assets per employee ($millions) | 4.3006% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 3,194 |
| Loan loss allowance to noncurrent loans | 53.7939% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 2.1721% | 2,643 |
| Noncurrent loans to loans | 2.7072% | 2,425 |
| Net loans and leases to total assets | 73.0816% | 2,990 |
| Net loans and leases to deposits | 87.9942% | 3,294 |
| Net loans and leases to core deposits | 103.7188% | 4,168 |
| Total domestic deposits to total assets | 83.0527% | 4,122 |
| Equity capital to assets | 13.1001% | 1,703 |
| Core capital (leverage) ratio | 9.1295% | 4,501 |
| Tier 1 risk-based capital ratio | 11.2318% | 5,665 |
| Total risk-based capital ratio | 12.4769% | 5,586 |
| Memoranda: | ||
| Average total assets | $601,464,000 | 1,188 |
| Average earning assets | $542,491,000 | 1,196 |
| Average equity | $77,096,000 | 855 |
| Average total loans | $455,623,000 | 1,104 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5917% | 94 |
| Cost of funding earning assets | 3.3493% | 810 |
| Net interest margin | 5.2424% | 312 |
| Noninterest income to average assets | 0.4258% | 5,251 |
| Noninterest expense to average assets | 4.3892% | 965 |
| Loan and lease loss provision to assets | 0.5881% | 2,469 |
| Net operating income to assets | 0.2040% | 5,836 |
| Return on assets (ROA) | 0.2040% | 5,655 |
| Pretax return on assets | 0.2623% | 5,597 |
| Return on Equity (ROE) | 2.1428% | 5,564 |
| Retained earnings to average equity (ytd only) | -3.2277% | 6,157 |
| Net charge-offs to loans | 0.0526% | 6,036 |
| Credit loss provision to net charge-offs | 1,420.3704% | 318 |
| Earnings coverage of net charge-offs (x) | 20.5370% | 1,569 |
| Efficiency ratio | 82.2284% | 2,278 |
| Assets per employee ($millions) | 3.9144% | 3,694 |
| Cash dividends to net income (ytd only)* | 250.6266% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 2,591 |
| Loan loss allowance to noncurrent loans | 52.5930% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 2.2367% | 2,178 |
| Noncurrent loans to loans | 2.8874% | 1,865 |
| Net loans and leases to total assets | 76.2882% | 2,544 |
| Net loans and leases to deposits | 91.1415% | 3,270 |
| Net loans and leases to core deposits | 104.7251% | 4,329 |
| Total domestic deposits to total assets | 83.7031% | 3,477 |
| Equity capital to assets | 12.5145% | 2,005 |
| Core capital (leverage) ratio | 8.3798% | 5,802 |
| Tier 1 risk-based capital ratio | 9.7974% | 6,963 |
| Total risk-based capital ratio | 11.0498% | 6,851 |
| Memoranda: | ||
| Average total assets | $391,228,800 | 1,731 |
| Average earning assets | $359,243,600 | 1,728 |
| Average equity | $37,240,600 | 1,819 |
| Average total loans | $308,185,000 | 1,573 |