Home > Victory Community Bank > Performance and Condition Ratios
Victory Community Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1241% | 3,454 |
| Cost of funding earning assets | 1.2638% | 628 |
| Net interest margin | 2.8602% | 4,488 |
| Noninterest income to average assets | 1.4239% | 442 |
| Noninterest expense to average assets | 4.3388% | 357 |
| Loan and lease loss provision to assets | 0.0130% | 3,615 |
| Net operating income to assets | -0.2254% | 4,864 |
| Return on assets (ROA) | -0.2254% | 4,838 |
| Pretax return on assets | -0.2254% | 4,824 |
| Return on Equity (ROE) | -1.5916% | 4,823 |
| Retained earnings to average equity (ytd only) | -29.9045% | 5,037 |
| Net charge-offs to loans | -0.0081% | 4,003 |
| Credit loss provision to net charge-offs | -200.0000% | 3,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1471% | 182 |
| Assets per employee ($millions) | 6.7173% | 1,224 |
| Cash dividends to net income (ytd only)* | -1,778.8462% | 5,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 4,151 |
| Loan loss allowance to noncurrent loans | 65.9881% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.0735% | 1,217 |
| Noncurrent loans to loans | 1.3477% | 1,198 |
| Net loans and leases to total assets | 78.7490% | 868 |
| Net loans and leases to deposits | 101.2219% | 481 |
| Net loans and leases to core deposits | 108.3116% | 935 |
| Total domestic deposits to total assets | 77.7983% | 4,250 |
| Equity capital to assets | 13.4982% | 1,219 |
| Core capital (leverage) ratio | 13.8644% | 945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3959% | 377 |
| Memoranda: | ||
| Average total assets | $184,568,500 | 3,008 |
| Average earning assets | $174,391,500 | 2,972 |
| Average equity | $26,136,500 | 2,701 |
| Average total loans | $148,835,000 | 2,651 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5178% | 2,880 |
| Cost of funding earning assets | 1.2259% | 961 |
| Net interest margin | 3.2919% | 4,011 |
| Noninterest income to average assets | 3.7308% | 120 |
| Noninterest expense to average assets | 3.4308% | 1,059 |
| Loan and lease loss provision to assets | -0.0897% | 5,065 |
| Net operating income to assets | 3.4878% | 61 |
| Return on assets (ROA) | 3.4793% | 65 |
| Pretax return on assets | 3.4793% | 79 |
| Return on Equity (ROE) | 24.1654% | 94 |
| Retained earnings to average equity (ytd only) | 5.7378% | 2,011 |
| Net charge-offs to loans | -0.1120% | 4,970 |
| Credit loss provision to net charge-offs | 95.7831% | 2,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2395% | 4,717 |
| Assets per employee ($millions) | 6.2432% | 1,455 |
| Cash dividends to net income (ytd only)* | 76.2561% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 4,000 |
| Loan loss allowance to noncurrent loans | 115.5867% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.6335% | 2,003 |
| Noncurrent loans to loans | 0.7704% | 1,972 |
| Net loans and leases to total assets | 81.1402% | 657 |
| Net loans and leases to deposits | 107.4212% | 243 |
| Net loans and leases to core deposits | 114.5144% | 651 |
| Total domestic deposits to total assets | 75.5347% | 4,650 |
| Equity capital to assets | 14.8493% | 833 |
| Core capital (leverage) ratio | 15.0818% | 668 |
| Tier 1 risk-based capital ratio | 26.6255% | 642 |
| Total risk-based capital ratio | 27.8758% | 628 |
| Memoranda: | ||
| Average total assets | $177,332,400 | 3,047 |
| Average earning assets | $166,894,000 | 3,023 |
| Average equity | $25,532,400 | 2,679 |
| Average total loans | $148,206,000 | 2,639 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5343% | 2,949 |
| Cost of funding earning assets | 1.2092% | 1,015 |
| Net interest margin | 3.3251% | 4,048 |
| Noninterest income to average assets | 3.3196% | 133 |
| Noninterest expense to average assets | 3.3241% | 1,218 |
| Loan and lease loss provision to assets | -0.1247% | 5,179 |
| Net operating income to assets | 3.2523% | 69 |
| Return on assets (ROA) | 3.2410% | 73 |
| Pretax return on assets | 3.2410% | 94 |
| Return on Equity (ROE) | 22.6924% | 141 |
| Retained earnings to average equity (ytd only) | 0.3069% | 4,704 |
| Net charge-offs to loans | -0.1466% | 5,064 |
| Credit loss provision to net charge-offs | 101.2270% | 2,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5230% | 4,638 |
| Assets per employee ($millions) | 5.7799% | 1,784 |
| Cash dividends to net income (ytd only)* | 98.6474% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 4,215 |
| Loan loss allowance to noncurrent loans | 129.8020% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5665% | 2,310 |
| Noncurrent loans to loans | 0.6576% | 2,313 |
| Net loans and leases to total assets | 84.9874% | 256 |
| Net loans and leases to deposits | 111.3926% | 193 |
| Net loans and leases to core deposits | 117.8998% | 598 |
| Total domestic deposits to total assets | 76.2954% | 4,610 |
| Equity capital to assets | 14.2184% | 1,070 |
| Core capital (leverage) ratio | 14.5860% | 838 |
| Tier 1 risk-based capital ratio | 24.8643% | 772 |
| Total risk-based capital ratio | 26.1139% | 761 |
| Memoranda: | ||
| Average total assets | $176,402,500 | 3,087 |
| Average earning assets | $166,168,000 | 3,056 |
| Average equity | $25,194,250 | 2,717 |
| Average total loans | $148,201,000 | 2,665 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5125% | 2,978 |
| Cost of funding earning assets | 1.1744% | 1,064 |
| Net interest margin | 3.3381% | 4,052 |
| Noninterest income to average assets | 2.8448% | 169 |
| Noninterest expense to average assets | 3.2369% | 1,433 |
| Loan and lease loss provision to assets | -0.1801% | 5,243 |
| Net operating income to assets | 2.9303% | 89 |
| Return on assets (ROA) | 2.9132% | 98 |
| Pretax return on assets | 2.9132% | 135 |
| Return on Equity (ROE) | 20.3663% | 232 |
| Retained earnings to average equity (ytd only) | -3.3784% | 4,986 |
| Net charge-offs to loans | -0.2240% | 5,143 |
| Credit loss provision to net charge-offs | 96.3415% | 2,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0643% | 4,463 |
| Assets per employee ($millions) | 5.5132% | 1,959 |
| Cash dividends to net income (ytd only)* | 116.5884% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8554% | 4,248 |
| Loan loss allowance to noncurrent loans | 95.2347% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.7879% | 1,774 |
| Noncurrent loans to loans | 0.8982% | 1,819 |
| Net loans and leases to total assets | 86.6546% | 170 |
| Net loans and leases to deposits | 115.4355% | 124 |
| Net loans and leases to core deposits | 122.3633% | 479 |
| Total domestic deposits to total assets | 75.0676% | 4,759 |
| Equity capital to assets | 14.1655% | 1,063 |
| Core capital (leverage) ratio | 14.6659% | 782 |
| Tier 1 risk-based capital ratio | 24.2656% | 823 |
| Total risk-based capital ratio | 25.5154% | 806 |
| Memoranda: | ||
| Average total assets | $175,478,000 | 3,106 |
| Average earning assets | $165,184,330 | 3,082 |
| Average equity | $25,100,330 | 2,713 |
| Average total loans | $146,405,330 | 2,693 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 3,072 |
| Cost of funding earning assets | 1.1206% | 1,121 |
| Net interest margin | 3.3228% | 4,106 |
| Noninterest income to average assets | 3.0582% | 140 |
| Noninterest expense to average assets | 3.2182% | 1,456 |
| Loan and lease loss provision to assets | -0.0046% | 5,194 |
| Net operating income to assets | 2.9690% | 86 |
| Return on assets (ROA) | 2.9347% | 94 |
| Pretax return on assets | 2.9347% | 136 |
| Return on Equity (ROE) | 20.4174% | 243 |
| Retained earnings to average equity (ytd only) | -6.6150% | 4,996 |
| Net charge-offs to loans | -0.0056% | 4,056 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0518% | 4,695 |
| Assets per employee ($millions) | 5.1473% | 2,338 |
| Cash dividends to net income (ytd only)* | 132.3988% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 4,070 |
| Loan loss allowance to noncurrent loans | 73.4340% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.0556% | 1,313 |
| Noncurrent loans to loans | 1.2544% | 1,312 |
| Net loans and leases to total assets | 83.1386% | 453 |
| Net loans and leases to deposits | 110.4420% | 206 |
| Net loans and leases to core deposits | 116.1435% | 642 |
| Total domestic deposits to total assets | 75.2780% | 4,835 |
| Equity capital to assets | 14.7085% | 825 |
| Core capital (leverage) ratio | 14.9124% | 720 |
| Tier 1 risk-based capital ratio | 25.4817% | 728 |
| Total risk-based capital ratio | 26.7327% | 706 |
| Memoranda: | ||
| Average total assets | $175,006,500 | 3,144 |
| Average earning assets | $164,558,500 | 3,120 |
| Average equity | $25,155,000 | 2,700 |
| Average total loans | $142,510,000 | 2,770 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2831% | 3,173 |
| Cost of funding earning assets | 0.9311% | 993 |
| Net interest margin | 3.3520% | 4,123 |
| Noninterest income to average assets | 3.1785% | 145 |
| Noninterest expense to average assets | 3.0412% | 1,965 |
| Loan and lease loss provision to assets | -0.0011% | 5,077 |
| Net operating income to assets | 3.3027% | 65 |
| Return on assets (ROA) | 3.2849% | 65 |
| Pretax return on assets | 3.2849% | 76 |
| Return on Equity (ROE) | 23.0012% | 128 |
| Retained earnings to average equity (ytd only) | 2.7484% | 4,025 |
| Net charge-offs to loans | -0.0193% | 4,689 |
| Credit loss provision to net charge-offs | 7.1429% | 3,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9477% | 5,049 |
| Assets per employee ($millions) | 5.4592% | 1,997 |
| Cash dividends to net income (ytd only)* | 88.0509% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 4,081 |
| Loan loss allowance to noncurrent loans | 71.0114% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.0291% | 1,327 |
| Noncurrent loans to loans | 1.2977% | 1,217 |
| Net loans and leases to total assets | 78.3638% | 1,209 |
| Net loans and leases to deposits | 110.4337% | 242 |
| Net loans and leases to core deposits | 115.8674% | 691 |
| Total domestic deposits to total assets | 70.9601% | 5,123 |
| Equity capital to assets | 14.0581% | 952 |
| Core capital (leverage) ratio | 15.1302% | 668 |
| Tier 1 risk-based capital ratio | 25.5569% | 703 |
| Total risk-based capital ratio | 26.8071% | 686 |
| Memoranda: | ||
| Average total assets | $174,767,800 | 3,114 |
| Average earning assets | $164,974,800 | 3,082 |
| Average equity | $24,959,600 | 2,645 |
| Average total loans | $144,734,600 | 2,711 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2788% | 3,043 |
| Cost of funding earning assets | 0.9026% | 911 |
| Net interest margin | 3.3763% | 4,076 |
| Noninterest income to average assets | 2.9669% | 161 |
| Noninterest expense to average assets | 3.0461% | 1,884 |
| Loan and lease loss provision to assets | 0.0046% | 3,878 |
| Net operating income to assets | 3.0999% | 73 |
| Return on assets (ROA) | 3.0999% | 73 |
| Pretax return on assets | 3.0999% | 104 |
| Return on Equity (ROE) | 21.6176% | 184 |
| Retained earnings to average equity (ytd only) | 2.3966% | 4,439 |
| Net charge-offs to loans | -0.0202% | 4,626 |
| Credit loss provision to net charge-offs | -27.2727% | 4,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5250% | 4,965 |
| Assets per employee ($millions) | 5.1335% | 2,296 |
| Cash dividends to net income (ytd only)* | 88.9136% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 4,236 |
| Loan loss allowance to noncurrent loans | 84.5659% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.8938% | 1,650 |
| Noncurrent loans to loans | 1.0729% | 1,588 |
| Net loans and leases to total assets | 82.2848% | 665 |
| Net loans and leases to deposits | 109.2417% | 311 |
| Net loans and leases to core deposits | 114.6412% | 786 |
| Total domestic deposits to total assets | 75.3236% | 4,857 |
| Equity capital to assets | 14.3446% | 868 |
| Core capital (leverage) ratio | 14.8317% | 743 |
| Tier 1 risk-based capital ratio | 25.0381% | 751 |
| Total risk-based capital ratio | 26.2883% | 735 |
| Memoranda: | ||
| Average total assets | $173,421,750 | 3,155 |
| Average earning assets | $163,530,500 | 3,122 |
| Average equity | $24,868,000 | 2,669 |
| Average total loans | $145,296,500 | 2,716 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 3,133 |
| Cost of funding earning assets | 0.8719% | 824 |
| Net interest margin | 3.3218% | 4,188 |
| Noninterest income to average assets | 2.8061% | 178 |
| Noninterest expense to average assets | 2.9922% | 2,061 |
| Loan and lease loss provision to assets | 0.0023% | 3,757 |
| Net operating income to assets | 2.9598% | 87 |
| Return on assets (ROA) | 2.9598% | 87 |
| Pretax return on assets | 2.9598% | 117 |
| Return on Equity (ROE) | 20.6435% | 223 |
| Retained earnings to average equity (ytd only) | 2.9905% | 4,062 |
| Net charge-offs to loans | -0.0165% | 4,488 |
| Credit loss provision to net charge-offs | -16.6667% | 3,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2523% | 5,016 |
| Assets per employee ($millions) | 5.5756% | 1,819 |
| Cash dividends to net income (ytd only)* | 85.5135% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 4,415 |
| Loan loss allowance to noncurrent loans | 58.4194% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.2913% | 1,098 |
| Noncurrent loans to loans | 1.5083% | 1,111 |
| Net loans and leases to total assets | 84.6706% | 387 |
| Net loans and leases to deposits | 113.2558% | 210 |
| Net loans and leases to core deposits | 118.3557% | 616 |
| Total domestic deposits to total assets | 74.7605% | 4,969 |
| Equity capital to assets | 14.4558% | 817 |
| Core capital (leverage) ratio | 14.8030% | 714 |
| Tier 1 risk-based capital ratio | 24.4112% | 800 |
| Total risk-based capital ratio | 25.6612% | 775 |
| Memoranda: | ||
| Average total assets | $173,049,330 | 3,178 |
| Average earning assets | $164,007,330 | 3,129 |
| Average equity | $24,811,670 | 2,681 |
| Average total loans | $145,417,330 | 2,725 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1012% | 3,233 |
| Cost of funding earning assets | 0.8602% | 723 |
| Net interest margin | 3.2410% | 4,337 |
| Noninterest income to average assets | 2.4464% | 203 |
| Noninterest expense to average assets | 2.8322% | 2,596 |
| Loan and lease loss provision to assets | 0.0023% | 3,490 |
| Net operating income to assets | 2.6843% | 108 |
| Return on assets (ROA) | 2.6843% | 110 |
| Pretax return on assets | 2.6843% | 157 |
| Return on Equity (ROE) | 18.7992% | 332 |
| Retained earnings to average equity (ytd only) | 2.1355% | 4,310 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3185% | 5,007 |
| Assets per employee ($millions) | 5.4813% | 1,956 |
| Cash dividends to net income (ytd only)* | 88.6403% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8991% | 4,454 |
| Loan loss allowance to noncurrent loans | 43.8244% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 1.8126% | 664 |
| Noncurrent loans to loans | 2.0517% | 766 |
| Net loans and leases to total assets | 83.5447% | 487 |
| Net loans and leases to deposits | 113.0048% | 193 |
| Net loans and leases to core deposits | 118.4767% | 635 |
| Total domestic deposits to total assets | 73.9302% | 5,163 |
| Equity capital to assets | 14.5650% | 762 |
| Core capital (leverage) ratio | 14.6763% | 720 |
| Tier 1 risk-based capital ratio | 24.4971% | 795 |
| Total risk-based capital ratio | 25.7468% | 774 |
| Memoranda: | ||
| Average total assets | $173,152,000 | 3,206 |
| Average earning assets | $164,148,000 | 3,161 |
| Average equity | $24,724,500 | 2,707 |
| Average total loans | $144,301,500 | 2,756 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1161% | 3,000 |
| Cost of funding earning assets | 0.8411% | 500 |
| Net interest margin | 3.2751% | 4,232 |
| Noninterest income to average assets | 3.4172% | 151 |
| Noninterest expense to average assets | 2.8689% | 2,556 |
| Loan and lease loss provision to assets | 0.2942% | 589 |
| Net operating income to assets | 3.3024% | 58 |
| Return on assets (ROA) | 3.3116% | 58 |
| Pretax return on assets | 3.3116% | 82 |
| Return on Equity (ROE) | 23.6982% | 85 |
| Retained earnings to average equity (ytd only) | 5.1989% | 2,003 |
| Net charge-offs to loans | 0.2006% | 1,281 |
| Credit loss provision to net charge-offs | 175.4325% | 1,548 |
| Earnings coverage of net charge-offs (x) | 21.4464% | 1,907 |
| Efficiency ratio | 44.3726% | 5,442 |
| Assets per employee ($millions) | 6.2994% | 1,316 |
| Cash dividends to net income (ytd only)* | 78.0620% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 4,545 |
| Loan loss allowance to noncurrent loans | 41.8809% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 1.7853% | 701 |
| Noncurrent loans to loans | 2.1141% | 707 |
| Net loans and leases to total assets | 81.6791% | 727 |
| Net loans and leases to deposits | 117.8866% | 128 |
| Net loans and leases to core deposits | 122.9480% | 496 |
| Total domestic deposits to total assets | 69.2862% | 5,434 |
| Equity capital to assets | 14.0036% | 914 |
| Core capital (leverage) ratio | 14.4472% | 742 |
| Tier 1 risk-based capital ratio | 23.6739% | 846 |
| Total risk-based capital ratio | 24.9062% | 833 |
| Memoranda: | ||
| Average total assets | $172,331,600 | 3,220 |
| Average earning assets | $160,392,800 | 3,194 |
| Average equity | $24,082,000 | 2,743 |
| Average total loans | $144,050,800 | 2,716 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1272% | 2,890 |
| Cost of funding earning assets | 0.8357% | 481 |
| Net interest margin | 3.2915% | 4,195 |
| Noninterest income to average assets | 3.5131% | 154 |
| Noninterest expense to average assets | 2.8539% | 2,556 |
| Loan and lease loss provision to assets | 0.3533% | 417 |
| Net operating income to assets | 3.3558% | 64 |
| Return on assets (ROA) | 3.3683% | 64 |
| Pretax return on assets | 3.3683% | 93 |
| Return on Equity (ROE) | 24.1167% | 83 |
| Retained earnings to average equity (ytd only) | 4.1680% | 3,421 |
| Net charge-offs to loans | 0.1698% | 1,230 |
| Credit loss provision to net charge-offs | 248.0874% | 1,145 |
| Earnings coverage of net charge-offs (x) | 26.0441% | 1,699 |
| Efficiency ratio | 43.4839% | 5,499 |
| Assets per employee ($millions) | 5.9815% | 1,506 |
| Cash dividends to net income (ytd only)* | 82.7172% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 4,435 |
| Loan loss allowance to noncurrent loans | 45.1027% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 1.8193% | 755 |
| Noncurrent loans to loans | 2.0579% | 825 |
| Net loans and leases to total assets | 85.4007% | 300 |
| Net loans and leases to deposits | 117.1158% | 136 |
| Net loans and leases to core deposits | 121.9716% | 518 |
| Total domestic deposits to total assets | 72.9199% | 5,321 |
| Equity capital to assets | 14.4852% | 860 |
| Core capital (leverage) ratio | 14.4178% | 787 |
| Tier 1 risk-based capital ratio | 23.8904% | 858 |
| Total risk-based capital ratio | 25.1410% | 842 |
| Memoranda: | ||
| Average total assets | $171,318,750 | 3,254 |
| Average earning assets | $158,749,000 | 3,242 |
| Average equity | $23,927,500 | 2,788 |
| Average total loans | $143,724,750 | 2,742 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0287% | 3,096 |
| Cost of funding earning assets | 0.8218% | 468 |
| Net interest margin | 3.2069% | 4,400 |
| Noninterest income to average assets | 3.9409% | 149 |
| Noninterest expense to average assets | 2.8088% | 2,729 |
| Loan and lease loss provision to assets | 0.4612% | 263 |
| Net operating income to assets | 3.6327% | 64 |
| Return on assets (ROA) | 3.6327% | 64 |
| Pretax return on assets | 3.6327% | 82 |
| Return on Equity (ROE) | 26.3261% | 62 |
| Retained earnings to average equity (ytd only) | 4.6606% | 2,940 |
| Net charge-offs to loans | 0.2592% | 793 |
| Credit loss provision to net charge-offs | 213.9785% | 1,213 |
| Earnings coverage of net charge-offs (x) | 18.9946% | 1,855 |
| Efficiency ratio | 40.6916% | 5,610 |
| Assets per employee ($millions) | 6.0696% | 1,402 |
| Cash dividends to net income (ytd only)* | 82.2967% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8779% | 4,723 |
| Loan loss allowance to noncurrent loans | 40.0062% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 1.8870% | 703 |
| Noncurrent loans to loans | 2.1943% | 734 |
| Net loans and leases to total assets | 85.1096% | 333 |
| Net loans and leases to deposits | 116.1708% | 151 |
| Net loans and leases to core deposits | 120.8745% | 524 |
| Total domestic deposits to total assets | 73.2624% | 5,360 |
| Equity capital to assets | 14.1938% | 903 |
| Core capital (leverage) ratio | 14.3917% | 768 |
| Tier 1 risk-based capital ratio | 23.2381% | 920 |
| Total risk-based capital ratio | 24.4770% | 911 |
| Memoranda: | ||
| Average total assets | $172,598,000 | 3,255 |
| Average earning assets | $159,406,000 | 3,253 |
| Average equity | $23,816,670 | 2,803 |
| Average total loans | $143,509,670 | 2,749 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0123% | 2,989 |
| Cost of funding earning assets | 0.8170% | 444 |
| Net interest margin | 3.1953% | 4,357 |
| Noninterest income to average assets | 4.5905% | 129 |
| Noninterest expense to average assets | 2.8150% | 2,736 |
| Loan and lease loss provision to assets | 0.6992% | 143 |
| Net operating income to assets | 4.0087% | 56 |
| Return on assets (ROA) | 4.0087% | 55 |
| Pretax return on assets | 4.0087% | 80 |
| Return on Equity (ROE) | 29.4625% | 51 |
| Retained earnings to average equity (ytd only) | 7.8262% | 1,537 |
| Net charge-offs to loans | 0.3851% | 477 |
| Credit loss provision to net charge-offs | 221.8978% | 947 |
| Earnings coverage of net charge-offs (x) | 14.9416% | 1,702 |
| Efficiency ratio | 37.4197% | 5,733 |
| Assets per employee ($millions) | 7.1572% | 877 |
| Cash dividends to net income (ytd only)* | 73.4366% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8708% | 4,861 |
| Loan loss allowance to noncurrent loans | 49.0866% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 1.5125% | 1,053 |
| Noncurrent loans to loans | 1.7740% | 1,065 |
| Net loans and leases to total assets | 81.9127% | 577 |
| Net loans and leases to deposits | 109.1322% | 234 |
| Net loans and leases to core deposits | 113.3796% | 708 |
| Total domestic deposits to total assets | 75.0582% | 5,327 |
| Equity capital to assets | 13.9243% | 925 |
| Core capital (leverage) ratio | 14.5447% | 699 |
| Tier 1 risk-based capital ratio | 23.4632% | 922 |
| Total risk-based capital ratio | 24.6748% | 914 |
| Memoranda: | ||
| Average total assets | $173,923,000 | 3,271 |
| Average earning assets | $159,608,000 | 3,275 |
| Average equity | $23,664,000 | 2,829 |
| Average total loans | $142,303,000 | 2,782 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9851% | 3,250 |
| Cost of funding earning assets | 0.8528% | 384 |
| Net interest margin | 3.1323% | 4,637 |
| Noninterest income to average assets | 3.0505% | 197 |
| Noninterest expense to average assets | 2.8781% | 2,749 |
| Loan and lease loss provision to assets | 0.2237% | 977 |
| Net operating income to assets | 2.8077% | 95 |
| Return on assets (ROA) | 2.8077% | 98 |
| Pretax return on assets | 2.8077% | 136 |
| Return on Equity (ROE) | 20.8818% | 185 |
| Retained earnings to average equity (ytd only) | 7.0626% | 1,207 |
| Net charge-offs to loans | 0.0801% | 2,541 |
| Credit loss provision to net charge-offs | 340.9091% | 894 |
| Earnings coverage of net charge-offs (x) | 46.2000% | 1,059 |
| Efficiency ratio | 48.7029% | 5,544 |
| Assets per employee ($millions) | 6.5213% | 1,142 |
| Cash dividends to net income (ytd only)* | 66.1780% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7493% | 5,237 |
| Loan loss allowance to noncurrent loans | 41.8232% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.4545% | 1,167 |
| Noncurrent loans to loans | 1.7916% | 1,060 |
| Net loans and leases to total assets | 80.4196% | 823 |
| Net loans and leases to deposits | 115.2919% | 140 |
| Net loans and leases to core deposits | 120.2551% | 476 |
| Total domestic deposits to total assets | 69.7531% | 5,675 |
| Equity capital to assets | 13.2955% | 1,135 |
| Core capital (leverage) ratio | 14.1650% | 774 |
| Tier 1 risk-based capital ratio | 23.1450% | 957 |
| Total risk-based capital ratio | 24.1991% | 956 |
| Memoranda: | ||
| Average total assets | $167,646,200 | 3,312 |
| Average earning assets | $153,019,000 | 3,339 |
| Average equity | $22,541,200 | 2,941 |
| Average total loans | $137,374,600 | 2,809 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0268% | 3,123 |
| Cost of funding earning assets | 0.8692% | 343 |
| Net interest margin | 3.1576% | 4,613 |
| Noninterest income to average assets | 2.7505% | 230 |
| Noninterest expense to average assets | 2.9148% | 2,595 |
| Loan and lease loss provision to assets | 0.2940% | 581 |
| Net operating income to assets | 2.4090% | 181 |
| Return on assets (ROA) | 2.4090% | 191 |
| Pretax return on assets | 2.4090% | 252 |
| Return on Equity (ROE) | 17.8637% | 368 |
| Retained earnings to average equity (ytd only) | 5.5306% | 2,465 |
| Net charge-offs to loans | 0.1470% | 1,524 |
| Credit loss provision to net charge-offs | 243.3333% | 1,219 |
| Earnings coverage of net charge-offs (x) | 22.3728% | 1,762 |
| Efficiency ratio | 51.8853% | 5,397 |
| Assets per employee ($millions) | 6.2547% | 1,265 |
| Cash dividends to net income (ytd only)* | 69.0403% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7265% | 5,371 |
| Loan loss allowance to noncurrent loans | 40.7274% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 1.6385% | 1,058 |
| Noncurrent loans to loans | 1.7837% | 1,163 |
| Net loans and leases to total assets | 82.4560% | 558 |
| Net loans and leases to deposits | 111.6805% | 230 |
| Net loans and leases to core deposits | 116.3996% | 644 |
| Total domestic deposits to total assets | 73.8320% | 5,452 |
| Equity capital to assets | 13.5690% | 1,214 |
| Core capital (leverage) ratio | 13.6458% | 956 |
| Tier 1 risk-based capital ratio | 22.8390% | 1,021 |
| Total risk-based capital ratio | 23.8594% | 1,037 |
| Memoranda: | ||
| Average total assets | $165,539,250 | 3,353 |
| Average earning assets | $150,322,750 | 3,381 |
| Average equity | $22,324,000 | 2,985 |
| Average total loans | $136,051,500 | 2,836 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0263% | 3,158 |
| Cost of funding earning assets | 0.8730% | 329 |
| Net interest margin | 3.1533% | 4,682 |
| Noninterest income to average assets | 2.4960% | 255 |
| Noninterest expense to average assets | 2.9703% | 2,444 |
| Loan and lease loss provision to assets | 0.4330% | 334 |
| Net operating income to assets | 1.9352% | 375 |
| Return on assets (ROA) | 1.9352% | 393 |
| Pretax return on assets | 1.9352% | 653 |
| Return on Equity (ROE) | 14.3806% | 771 |
| Retained earnings to average equity (ytd only) | 6.3813% | 1,925 |
| Net charge-offs to loans | 0.2228% | 1,049 |
| Credit loss provision to net charge-offs | 237.3333% | 1,150 |
| Earnings coverage of net charge-offs (x) | 12.9800% | 2,157 |
| Efficiency ratio | 55.6391% | 5,181 |
| Assets per employee ($millions) | 7.0116% | 872 |
| Cash dividends to net income (ytd only)* | 55.6254% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7340% | 5,447 |
| Loan loss allowance to noncurrent loans | 36.9017% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 1.7840% | 971 |
| Noncurrent loans to loans | 1.9891% | 1,001 |
| Net loans and leases to total assets | 81.1687% | 727 |
| Net loans and leases to deposits | 109.9529% | 252 |
| Net loans and leases to core deposits | 114.6015% | 700 |
| Total domestic deposits to total assets | 73.8213% | 5,534 |
| Equity capital to assets | 13.4890% | 1,244 |
| Core capital (leverage) ratio | 13.6442% | 936 |
| Tier 1 risk-based capital ratio | 22.6305% | 1,060 |
| Total risk-based capital ratio | 23.6424% | 1,075 |
| Memoranda: | ||
| Average total assets | $164,426,330 | 3,382 |
| Average earning assets | $148,226,330 | 3,431 |
| Average equity | $22,127,000 | 3,009 |
| Average total loans | $134,645,670 | 2,858 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9307% | 3,463 |
| Cost of funding earning assets | 0.8465% | 395 |
| Net interest margin | 3.0842% | 4,903 |
| Noninterest income to average assets | 2.1440% | 311 |
| Noninterest expense to average assets | 2.8701% | 2,813 |
| Loan and lease loss provision to assets | 0.5538% | 207 |
| Net operating income to assets | 1.5360% | 797 |
| Return on assets (ROA) | 1.5360% | 840 |
| Pretax return on assets | 1.5360% | 1,485 |
| Return on Equity (ROE) | 11.4280% | 1,473 |
| Retained earnings to average equity (ytd only) | -4.7800% | 5,598 |
| Net charge-offs to loans | 0.3574% | 625 |
| Credit loss provision to net charge-offs | 189.0756% | 1,122 |
| Earnings coverage of net charge-offs (x) | 7.1345% | 2,169 |
| Efficiency ratio | 57.8660% | 5,013 |
| Assets per employee ($millions) | 6.6807% | 1,017 |
| Cash dividends to net income (ytd only)* | 141.8269% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6687% | 5,647 |
| Loan loss allowance to noncurrent loans | 36.8869% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 1.7854% | 1,048 |
| Noncurrent loans to loans | 1.8129% | 1,227 |
| Net loans and leases to total assets | 80.9338% | 695 |
| Net loans and leases to deposits | 110.5428% | 213 |
| Net loans and leases to core deposits | 115.2831% | 622 |
| Total domestic deposits to total assets | 73.2149% | 5,675 |
| Equity capital to assets | 13.0052% | 1,406 |
| Core capital (leverage) ratio | 13.5796% | 953 |
| Tier 1 risk-based capital ratio | 21.5573% | 1,224 |
| Total risk-based capital ratio | 22.4753% | 1,249 |
| Memoranda: | ||
| Average total assets | $162,500,500 | 3,421 |
| Average earning assets | $148,371,500 | 3,443 |
| Average equity | $21,841,000 | 3,040 |
| Average total loans | $133,169,000 | 2,885 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8336% | 3,936 |
| Cost of funding earning assets | 0.8174% | 446 |
| Net interest margin | 3.0162% | 5,100 |
| Noninterest income to average assets | 2.1987% | 310 |
| Noninterest expense to average assets | 2.4585% | 4,361 |
| Loan and lease loss provision to assets | 0.1469% | 1,607 |
| Net operating income to assets | 2.3696% | 182 |
| Return on assets (ROA) | 2.3696% | 188 |
| Pretax return on assets | 2.3696% | 260 |
| Return on Equity (ROE) | 17.9292% | 383 |
| Retained earnings to average equity (ytd only) | 2.1670% | 4,488 |
| Net charge-offs to loans | 0.2865% | 1,059 |
| Credit loss provision to net charge-offs | 64.4986% | 3,201 |
| Earnings coverage of net charge-offs (x) | 11.0488% | 2,627 |
| Efficiency ratio | 49.4169% | 5,779 |
| Assets per employee ($millions) | 5.8512% | 1,496 |
| Cash dividends to net income (ytd only)* | 87.9135% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6173% | 5,772 |
| Loan loss allowance to noncurrent loans | 34.4768% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 1.8021% | 1,055 |
| Noncurrent loans to loans | 1.7903% | 1,231 |
| Net loans and leases to total assets | 81.9392% | 603 |
| Net loans and leases to deposits | 114.1585% | 165 |
| Net loans and leases to core deposits | 118.2537% | 532 |
| Total domestic deposits to total assets | 71.7767% | 5,811 |
| Equity capital to assets | 13.9009% | 965 |
| Core capital (leverage) ratio | 13.9355% | 843 |
| Tier 1 risk-based capital ratio | 22.8212% | 1,036 |
| Total risk-based capital ratio | 23.6598% | 1,079 |
| Memoranda: | ||
| Average total assets | $162,007,400 | 3,402 |
| Average earning assets | $149,130,200 | 3,418 |
| Average equity | $21,412,000 | 3,033 |
| Average total loans | $128,784,200 | 2,904 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7957% | 4,097 |
| Cost of funding earning assets | 0.8035% | 483 |
| Net interest margin | 2.9922% | 5,212 |
| Noninterest income to average assets | 2.0431% | 350 |
| Noninterest expense to average assets | 2.4398% | 4,390 |
| Loan and lease loss provision to assets | 0.1881% | 1,087 |
| Net operating income to assets | 2.1715% | 273 |
| Return on assets (ROA) | 2.1715% | 284 |
| Pretax return on assets | 2.1715% | 442 |
| Return on Equity (ROE) | 16.6390% | 514 |
| Retained earnings to average equity (ytd only) | -0.3134% | 5,662 |
| Net charge-offs to loans | 0.3997% | 638 |
| Credit loss provision to net charge-offs | 59.7403% | 2,911 |
| Earnings coverage of net charge-offs (x) | 7.4935% | 2,909 |
| Efficiency ratio | 50.8350% | 5,733 |
| Assets per employee ($millions) | 6.5046% | 1,064 |
| Cash dividends to net income (ytd only)* | 101.8834% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6177% | 5,865 |
| Loan loss allowance to noncurrent loans | 31.2876% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 2.0927% | 947 |
| Noncurrent loans to loans | 1.9744% | 1,179 |
| Net loans and leases to total assets | 77.1682% | 1,229 |
| Net loans and leases to deposits | 105.4052% | 390 |
| Net loans and leases to core deposits | 108.8588% | 936 |
| Total domestic deposits to total assets | 73.2110% | 5,768 |
| Equity capital to assets | 13.1851% | 1,361 |
| Core capital (leverage) ratio | 13.5933% | 979 |
| Tier 1 risk-based capital ratio | 22.7338% | 1,091 |
| Total risk-based capital ratio | 23.5637% | 1,132 |
| Memoranda: | ||
| Average total assets | $163,013,500 | 3,428 |
| Average earning assets | $150,164,500 | 3,434 |
| Average equity | $21,274,750 | 3,067 |
| Average total loans | $128,416,750 | 2,929 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7551% | 4,224 |
| Cost of funding earning assets | 0.7903% | 531 |
| Net interest margin | 2.9648% | 5,306 |
| Noninterest income to average assets | 2.0472% | 358 |
| Noninterest expense to average assets | 2.4420% | 4,423 |
| Loan and lease loss provision to assets | 0.2256% | 836 |
| Net operating income to assets | 2.1576% | 277 |
| Return on assets (ROA) | 2.1576% | 293 |
| Pretax return on assets | 2.1576% | 450 |
| Return on Equity (ROE) | 16.5886% | 538 |
| Retained earnings to average equity (ytd only) | -2.9690% | 5,922 |
| Net charge-offs to loans | 0.5049% | 490 |
| Credit loss provision to net charge-offs | 56.4417% | 2,634 |
| Earnings coverage of net charge-offs (x) | 5.9632% | 2,854 |
| Efficiency ratio | 50.6098% | 5,822 |
| Assets per employee ($millions) | 6.9573% | 841 |
| Cash dividends to net income (ytd only)* | 117.8977% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6118% | 5,954 |
| Loan loss allowance to noncurrent loans | 35.1975% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 1.8892% | 1,205 |
| Noncurrent loans to loans | 1.7382% | 1,481 |
| Net loans and leases to total assets | 80.5067% | 737 |
| Net loans and leases to deposits | 107.2201% | 328 |
| Net loans and leases to core deposits | 111.1623% | 776 |
| Total domestic deposits to total assets | 75.0855% | 5,696 |
| Equity capital to assets | 13.2284% | 1,289 |
| Core capital (leverage) ratio | 13.2304% | 1,079 |
| Tier 1 risk-based capital ratio | 22.7829% | 1,108 |
| Total risk-based capital ratio | 23.6391% | 1,133 |
| Memoranda: | ||
| Average total assets | $163,146,330 | 3,448 |
| Average earning assets | $152,858,670 | 3,403 |
| Average equity | $21,219,330 | 3,090 |
| Average total loans | $129,133,330 | 2,929 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6891% | 4,408 |
| Cost of funding earning assets | 0.8005% | 495 |
| Net interest margin | 2.8886% | 5,479 |
| Noninterest income to average assets | 2.0885% | 347 |
| Noninterest expense to average assets | 2.2852% | 4,922 |
| Loan and lease loss provision to assets | 0.2841% | 526 |
| Net operating income to assets | 2.2269% | 220 |
| Return on assets (ROA) | 2.2269% | 232 |
| Pretax return on assets | 2.2269% | 366 |
| Return on Equity (ROE) | 17.2652% | 450 |
| Retained earnings to average equity (ytd only) | -9.5646% | 6,124 |
| Net charge-offs to loans | 1.0800% | 217 |
| Credit loss provision to net charge-offs | 33.6207% | 2,243 |
| Earnings coverage of net charge-offs (x) | 2.9713% | 2,673 |
| Efficiency ratio | 47.6456% | 6,038 |
| Assets per employee ($millions) | 7.2459% | 761 |
| Cash dividends to net income (ytd only)* | 155.3980% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5384% | 6,135 |
| Loan loss allowance to noncurrent loans | 38.3860% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 1.6345% | 1,558 |
| Noncurrent loans to loans | 1.4026% | 2,047 |
| Net loans and leases to total assets | 78.0397% | 917 |
| Net loans and leases to deposits | 102.9575% | 418 |
| Net loans and leases to core deposits | 106.2818% | 916 |
| Total domestic deposits to total assets | 75.7979% | 5,759 |
| Equity capital to assets | 12.6033% | 1,629 |
| Core capital (leverage) ratio | 12.8920% | 1,194 |
| Tier 1 risk-based capital ratio | 22.3475% | 1,191 |
| Total risk-based capital ratio | 23.0999% | 1,242 |
| Memoranda: | ||
| Average total assets | $164,710,000 | 3,446 |
| Average earning assets | $154,400,000 | 3,401 |
| Average equity | $21,245,000 | 3,107 |
| Average total loans | $128,890,500 | 2,926 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9103% | 4,092 |
| Cost of funding earning assets | 0.8100% | 620 |
| Net interest margin | 3.1002% | 5,204 |
| Noninterest income to average assets | 1.6023% | 491 |
| Noninterest expense to average assets | 2.2381% | 5,270 |
| Loan and lease loss provision to assets | 0.0571% | 3,401 |
| Net operating income to assets | 2.1798% | 231 |
| Return on assets (ROA) | 2.1798% | 236 |
| Pretax return on assets | 2.1798% | 332 |
| Return on Equity (ROE) | 17.2783% | 465 |
| Retained earnings to average equity (ytd only) | 8.3786% | 882 |
| Net charge-offs to loans | 0.1390% | 2,633 |
| Credit loss provision to net charge-offs | 51.3966% | 3,453 |
| Earnings coverage of net charge-offs (x) | 20.1453% | 1,737 |
| Efficiency ratio | 50.0139% | 6,094 |
| Assets per employee ($millions) | 7.0767% | 812 |
| Cash dividends to net income (ytd only)* | 51.5083% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7361% | 5,911 |
| Loan loss allowance to noncurrent loans | 37.1179% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 2.0225% | 1,257 |
| Noncurrent loans to loans | 1.9832% | 1,405 |
| Net loans and leases to total assets | 77.4644% | 1,073 |
| Net loans and leases to deposits | 103.5206% | 451 |
| Net loans and leases to core deposits | 107.8138% | 905 |
| Total domestic deposits to total assets | 74.8300% | 5,871 |
| Equity capital to assets | 13.2006% | 1,275 |
| Core capital (leverage) ratio | 13.0551% | 1,116 |
| Tier 1 risk-based capital ratio | 22.8247% | 1,107 |
| Total risk-based capital ratio | 23.8302% | 1,129 |
| Memoranda: | ||
| Average total assets | $161,205,600 | 3,474 |
| Average earning assets | $149,375,600 | 3,455 |
| Average equity | $20,337,600 | 3,128 |
| Average total loans | $128,781,800 | 2,890 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9515% | 3,959 |
| Cost of funding earning assets | 0.7982% | 691 |
| Net interest margin | 3.1533% | 5,109 |
| Noninterest income to average assets | 1.4899% | 567 |
| Noninterest expense to average assets | 2.3878% | 4,870 |
| Loan and lease loss provision to assets | 0.0663% | 3,024 |
| Net operating income to assets | 1.9475% | 380 |
| Return on assets (ROA) | 1.9475% | 388 |
| Pretax return on assets | 1.9475% | 642 |
| Return on Equity (ROE) | 15.6202% | 726 |
| Retained earnings to average equity (ytd only) | 3.5842% | 4,097 |
| Net charge-offs to loans | 0.1682% | 2,119 |
| Credit loss provision to net charge-offs | 49.0798% | 3,117 |
| Earnings coverage of net charge-offs (x) | 14.9017% | 2,101 |
| Efficiency ratio | 54.2475% | 5,797 |
| Assets per employee ($millions) | 7.1497% | 754 |
| Cash dividends to net income (ytd only)* | 77.0540% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7431% | 6,013 |
| Loan loss allowance to noncurrent loans | 39.3381% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 1.8395% | 1,607 |
| Noncurrent loans to loans | 1.8890% | 1,688 |
| Net loans and leases to total assets | 76.2728% | 1,185 |
| Net loans and leases to deposits | 101.1043% | 556 |
| Net loans and leases to core deposits | 105.5197% | 983 |
| Total domestic deposits to total assets | 75.4397% | 5,877 |
| Equity capital to assets | 12.3519% | 1,799 |
| Core capital (leverage) ratio | 12.2152% | 1,567 |
| Tier 1 risk-based capital ratio | 21.9219% | 1,270 |
| Total risk-based capital ratio | 22.9478% | 1,288 |
| Memoranda: | ||
| Average total assets | $160,815,750 | 3,510 |
| Average earning assets | $148,497,500 | 3,502 |
| Average equity | $20,050,500 | 3,171 |
| Average total loans | $129,222,250 | 2,888 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0034% | 3,717 |
| Cost of funding earning assets | 0.7804% | 788 |
| Net interest margin | 3.2230% | 4,860 |
| Noninterest income to average assets | 1.4899% | 549 |
| Noninterest expense to average assets | 2.4272% | 4,803 |
| Loan and lease loss provision to assets | 0.0338% | 3,611 |
| Net operating income to assets | 2.0150% | 328 |
| Return on assets (ROA) | 2.0150% | 342 |
| Pretax return on assets | 2.0150% | 541 |
| Return on Equity (ROE) | 16.1095% | 649 |
| Retained earnings to average equity (ytd only) | 4.2378% | 3,478 |
| Net charge-offs to loans | 0.1552% | 2,150 |
| Credit loss provision to net charge-offs | 26.7327% | 3,098 |
| Earnings coverage of net charge-offs (x) | 16.1881% | 1,810 |
| Efficiency ratio | 54.2273% | 5,894 |
| Assets per employee ($millions) | 7.0720% | 773 |
| Cash dividends to net income (ytd only)* | 73.6940% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7354% | 6,119 |
| Loan loss allowance to noncurrent loans | 52.6667% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 1.4989% | 2,179 |
| Noncurrent loans to loans | 1.3963% | 2,469 |
| Net loans and leases to total assets | 78.6697% | 831 |
| Net loans and leases to deposits | 103.6852% | 375 |
| Net loans and leases to core deposits | 107.7285% | 783 |
| Total domestic deposits to total assets | 75.8736% | 5,922 |
| Equity capital to assets | 12.4262% | 1,696 |
| Core capital (leverage) ratio | 12.2798% | 1,510 |
| Tier 1 risk-based capital ratio | 21.6779% | 1,315 |
| Total risk-based capital ratio | 22.7079% | 1,329 |
| Memoranda: | ||
| Average total assets | $159,606,330 | 3,539 |
| Average earning assets | $147,875,000 | 3,520 |
| Average equity | $19,963,330 | 3,172 |
| Average total loans | $130,174,670 | 2,868 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9869% | 3,744 |
| Cost of funding earning assets | 0.7622% | 914 |
| Net interest margin | 3.2246% | 4,842 |
| Noninterest income to average assets | 1.3436% | 639 |
| Noninterest expense to average assets | 2.3988% | 4,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.9635% | 361 |
| Return on assets (ROA) | 1.9635% | 376 |
| Pretax return on assets | 1.9635% | 576 |
| Return on Equity (ROE) | 15.6459% | 684 |
| Retained earnings to average equity (ytd only) | 3.3469% | 4,120 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9884% | 5,925 |
| Assets per employee ($millions) | 6.5453% | 999 |
| Cash dividends to net income (ytd only)* | 78.6082% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7742% | 6,152 |
| Loan loss allowance to noncurrent loans | 60.7249% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 1.3101% | 2,682 |
| Noncurrent loans to loans | 1.2750% | 2,902 |
| Net loans and leases to total assets | 83.3817% | 271 |
| Net loans and leases to deposits | 110.4793% | 145 |
| Net loans and leases to core deposits | 115.7250% | 413 |
| Total domestic deposits to total assets | 75.4727% | 6,120 |
| Equity capital to assets | 12.6899% | 1,463 |
| Core capital (leverage) ratio | 12.5613% | 1,361 |
| Tier 1 risk-based capital ratio | 21.3211% | 1,411 |
| Total risk-based capital ratio | 22.4270% | 1,416 |
| Memoranda: | ||
| Average total assets | $158,081,500 | 3,589 |
| Average earning assets | $147,986,000 | 3,545 |
| Average equity | $19,839,000 | 3,184 |
| Average total loans | $130,807,500 | 2,864 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8713% | 4,570 |
| Cost of funding earning assets | 0.8502% | 948 |
| Net interest margin | 3.0211% | 5,528 |
| Noninterest income to average assets | 2.7785% | 245 |
| Noninterest expense to average assets | 2.3178% | 5,321 |
| Loan and lease loss provision to assets | 0.1170% | 2,856 |
| Net operating income to assets | 3.1415% | 99 |
| Return on assets (ROA) | 3.1378% | 99 |
| Pretax return on assets | 3.1378% | 105 |
| Return on Equity (ROE) | 25.9671% | 112 |
| Retained earnings to average equity (ytd only) | 9.7797% | 597 |
| Net charge-offs to loans | 0.1039% | 3,788 |
| Credit loss provision to net charge-offs | 138.5185% | 1,681 |
| Earnings coverage of net charge-offs (x) | 38.5630% | 974 |
| Efficiency ratio | 41.5647% | 6,660 |
| Assets per employee ($millions) | 6.1183% | 1,190 |
| Cash dividends to net income (ytd only)* | 62.3379% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7885% | 6,195 |
| Loan loss allowance to noncurrent loans | 59.5571% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 1.3145% | 2,794 |
| Noncurrent loans to loans | 1.3240% | 2,924 |
| Net loans and leases to total assets | 80.8351% | 510 |
| Net loans and leases to deposits | 106.2043% | 254 |
| Net loans and leases to core deposits | 110.0819% | 605 |
| Total domestic deposits to total assets | 76.1128% | 6,085 |
| Equity capital to assets | 12.4116% | 1,560 |
| Core capital (leverage) ratio | 12.2980% | 1,450 |
| Tier 1 risk-based capital ratio | 20.7135% | 1,485 |
| Total risk-based capital ratio | 21.7970% | 1,505 |
| Memoranda: | ||
| Average total assets | $159,763,200 | 3,562 |
| Average earning assets | $147,958,800 | 3,541 |
| Average equity | $19,305,200 | 3,244 |
| Average total loans | $129,880,600 | 2,869 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1568% | 3,539 |
| Cost of funding earning assets | 0.8727% | 937 |
| Net interest margin | 3.2841% | 4,700 |
| Noninterest income to average assets | 2.8994% | 250 |
| Noninterest expense to average assets | 2.3317% | 5,241 |
| Loan and lease loss provision to assets | 0.1109% | 2,914 |
| Net operating income to assets | 3.4905% | 79 |
| Return on assets (ROA) | 3.4997% | 78 |
| Pretax return on assets | 3.4997% | 96 |
| Return on Equity (ROE) | 29.1589% | 73 |
| Retained earnings to average equity (ytd only) | 13.0097% | 332 |
| Net charge-offs to loans | 0.1498% | 3,049 |
| Credit loss provision to net charge-offs | 91.0959% | 2,612 |
| Earnings coverage of net charge-offs (x) | 29.5893% | 1,246 |
| Efficiency ratio | 39.3003% | 6,769 |
| Assets per employee ($millions) | 7.0963% | 712 |
| Cash dividends to net income (ytd only)* | 55.3835% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7313% | 6,402 |
| Loan loss allowance to noncurrent loans | 166.4348% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.7395% | 4,258 |
| Noncurrent loans to loans | 0.4394% | 5,097 |
| Net loans and leases to total assets | 79.5890% | 596 |
| Net loans and leases to deposits | 107.5615% | 203 |
| Net loans and leases to core deposits | 112.6106% | 484 |
| Total domestic deposits to total assets | 73.9940% | 6,368 |
| Equity capital to assets | 12.0534% | 1,889 |
| Core capital (leverage) ratio | 11.9827% | 1,683 |
| Tier 1 risk-based capital ratio | 20.9140% | 1,509 |
| Total risk-based capital ratio | 21.9381% | 1,537 |
| Memoranda: | ||
| Average total assets | $159,934,750 | 3,596 |
| Average earning assets | $147,738,000 | 3,581 |
| Average equity | $19,195,500 | 3,291 |
| Average total loans | $129,947,750 | 2,883 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2309% | 3,236 |
| Cost of funding earning assets | 0.8803% | 985 |
| Net interest margin | 3.3507% | 4,376 |
| Noninterest income to average assets | 3.3417% | 217 |
| Noninterest expense to average assets | 2.3684% | 5,146 |
| Loan and lease loss provision to assets | 0.1461% | 2,512 |
| Net operating income to assets | 3.9234% | 68 |
| Return on assets (ROA) | 3.9373% | 71 |
| Pretax return on assets | 3.9373% | 86 |
| Return on Equity (ROE) | 32.8530% | 55 |
| Retained earnings to average equity (ytd only) | 21.8214% | 68 |
| Net charge-offs to loans | 0.2252% | 2,384 |
| Credit loss provision to net charge-offs | 79.4521% | 2,633 |
| Earnings coverage of net charge-offs (x) | 22.1370% | 1,384 |
| Efficiency ratio | 36.7886% | 6,836 |
| Assets per employee ($millions) | 6.5986% | 866 |
| Cash dividends to net income (ytd only)* | 33.5785% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7287% | 6,460 |
| Loan loss allowance to noncurrent loans | 154.3514% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.8026% | 4,223 |
| Noncurrent loans to loans | 0.4721% | 5,081 |
| Net loans and leases to total assets | 80.8583% | 454 |
| Net loans and leases to deposits | 109.9451% | 144 |
| Net loans and leases to core deposits | 114.2128% | 430 |
| Total domestic deposits to total assets | 73.5442% | 6,471 |
| Equity capital to assets | 12.5759% | 1,530 |
| Core capital (leverage) ratio | 12.4875% | 1,365 |
| Tier 1 risk-based capital ratio | 21.5109% | 1,387 |
| Total risk-based capital ratio | 22.5344% | 1,398 |
| Memoranda: | ||
| Average total assets | $158,841,000 | 3,632 |
| Average earning assets | $146,776,330 | 3,614 |
| Average equity | $19,036,330 | 3,327 |
| Average total loans | $129,644,000 | 2,881 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2248% | 3,198 |
| Cost of funding earning assets | 0.8886% | 1,045 |
| Net interest margin | 3.3362% | 4,375 |
| Noninterest income to average assets | 2.9545% | 256 |
| Noninterest expense to average assets | 2.3611% | 5,233 |
| Loan and lease loss provision to assets | 0.1660% | 2,203 |
| Net operating income to assets | 3.5052% | 79 |
| Return on assets (ROA) | 3.5328% | 84 |
| Pretax return on assets | 3.5328% | 108 |
| Return on Equity (ROE) | 30.2207% | 75 |
| Retained earnings to average equity (ytd only) | 30.2207% | 46 |
| Net charge-offs to loans | 0.3201% | 1,684 |
| Credit loss provision to net charge-offs | 63.4615% | 2,382 |
| Earnings coverage of net charge-offs (x) | 14.0385% | 1,484 |
| Efficiency ratio | 39.1413% | 6,887 |
| Assets per employee ($millions) | 7.1109% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7197% | 6,563 |
| Loan loss allowance to noncurrent loans | 120.1031% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.8792% | 4,185 |
| Noncurrent loans to loans | 0.5993% | 4,940 |
| Net loans and leases to total assets | 78.6065% | 549 |
| Net loans and leases to deposits | 107.8903% | 162 |
| Net loans and leases to core deposits | 110.5274% | 484 |
| Total domestic deposits to total assets | 72.8578% | 6,612 |
| Equity capital to assets | 11.8019% | 2,172 |
| Core capital (leverage) ratio | 11.7139% | 1,737 |
| Tier 1 risk-based capital ratio | 20.8877% | 1,562 |
| Total risk-based capital ratio | 21.9049% | 1,594 |
| Memoranda: | ||
| Average total assets | $159,078,500 | 3,668 |
| Average earning assets | $146,752,000 | 3,648 |
| Average equity | $18,596,500 | 3,434 |
| Average total loans | $129,970,000 | 2,894 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3815% | 3,888 |
| Cost of funding earning assets | 1.1406% | 767 |
| Net interest margin | 3.2409% | 5,454 |
| Noninterest income to average assets | 2.6247% | 296 |
| Noninterest expense to average assets | 2.4517% | 5,250 |
| Loan and lease loss provision to assets | 0.1834% | 3,342 |
| Net operating income to assets | 3.0201% | 96 |
| Return on assets (ROA) | 3.0201% | 100 |
| Pretax return on assets | 3.0201% | 143 |
| Return on Equity (ROE) | 24.0400% | 152 |
| Retained earnings to average equity (ytd only) | -2.1017% | 6,172 |
| Net charge-offs to loans | 0.1286% | 4,392 |
| Credit loss provision to net charge-offs | 176.2500% | 1,490 |
| Earnings coverage of net charge-offs (x) | 30.7875% | 992 |
| Efficiency ratio | 43.3533% | 6,867 |
| Assets per employee ($millions) | 6.7220% | 892 |
| Cash dividends to net income (ytd only)* | 108.7425% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7436% | 6,578 |
| Loan loss allowance to noncurrent loans | 92.3810% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.3188% | 3,443 |
| Noncurrent loans to loans | 0.8049% | 4,579 |
| Net loans and leases to total assets | 83.7459% | 229 |
| Net loans and leases to deposits | 117.9337% | 78 |
| Net loans and leases to core deposits | 120.5817% | 274 |
| Total domestic deposits to total assets | 71.0110% | 6,744 |
| Equity capital to assets | 11.5719% | 2,372 |
| Core capital (leverage) ratio | 11.4883% | 1,887 |
| Tier 1 risk-based capital ratio | 18.7419% | 2,031 |
| Total risk-based capital ratio | 19.7664% | 2,068 |
| Memoranda: | ||
| Average total assets | $153,771,800 | 3,717 |
| Average earning assets | $143,787,600 | 3,667 |
| Average equity | $19,317,800 | 3,288 |
| Average total loans | $124,440,400 | 2,992 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 4,194 |
| Cost of funding earning assets | 1.1900% | 724 |
| Net interest margin | 3.1733% | 5,761 |
| Noninterest income to average assets | 2.6230% | 297 |
| Noninterest expense to average assets | 2.3920% | 5,424 |
| Loan and lease loss provision to assets | 0.0660% | 4,874 |
| Net operating income to assets | 3.1309% | 94 |
| Return on assets (ROA) | 3.1309% | 100 |
| Pretax return on assets | 3.1309% | 136 |
| Return on Equity (ROE) | 24.4371% | 153 |
| Retained earnings to average equity (ytd only) | 17.3215% | 143 |
| Net charge-offs to loans | 0.0759% | 4,647 |
| Credit loss provision to net charge-offs | 108.5714% | 2,705 |
| Earnings coverage of net charge-offs (x) | 52.6006% | 724 |
| Efficiency ratio | 42.7994% | 6,936 |
| Assets per employee ($millions) | 6.5402% | 934 |
| Cash dividends to net income (ytd only)* | 29.1182% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6522% | 6,808 |
| Loan loss allowance to noncurrent loans | 55.8901% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 1.8208% | 2,890 |
| Noncurrent loans to loans | 1.1670% | 4,117 |
| Net loans and leases to total assets | 82.8720% | 288 |
| Net loans and leases to deposits | 114.1503% | 108 |
| Net loans and leases to core deposits | 116.2737% | 381 |
| Total domestic deposits to total assets | 72.5990% | 6,706 |
| Equity capital to assets | 13.3023% | 1,436 |
| Core capital (leverage) ratio | 13.2083% | 1,108 |
| Tier 1 risk-based capital ratio | 21.9024% | 1,346 |
| Total risk-based capital ratio | 22.8055% | 1,385 |
| Memoranda: | ||
| Average total assets | $153,563,000 | 3,763 |
| Average earning assets | $143,527,750 | 3,703 |
| Average equity | $19,674,500 | 3,270 |
| Average total loans | $122,938,750 | 3,055 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3662% | 4,320 |
| Cost of funding earning assets | 1.1940% | 841 |
| Net interest margin | 3.1722% | 5,815 |
| Noninterest income to average assets | 2.5573% | 289 |
| Noninterest expense to average assets | 2.3591% | 5,597 |
| Loan and lease loss provision to assets | 0.0748% | 4,688 |
| Net operating income to assets | 3.1005% | 96 |
| Return on assets (ROA) | 3.1005% | 97 |
| Pretax return on assets | 3.1005% | 141 |
| Return on Equity (ROE) | 24.5218% | 159 |
| Retained earnings to average equity (ytd only) | 18.8142% | 126 |
| Net charge-offs to loans | 0.0831% | 4,313 |
| Credit loss provision to net charge-offs | 114.0000% | 2,395 |
| Earnings coverage of net charge-offs (x) | 48.4000% | 749 |
| Efficiency ratio | 42.6268% | 7,002 |
| Assets per employee ($millions) | 6.9771% | 736 |
| Cash dividends to net income (ytd only)* | 23.2755% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6935% | 6,834 |
| Loan loss allowance to noncurrent loans | 105.2956% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 1.7896% | 3,055 |
| Noncurrent loans to loans | 0.6586% | 5,188 |
| Net loans and leases to total assets | 79.7643% | 542 |
| Net loans and leases to deposits | 109.8160% | 150 |
| Net loans and leases to core deposits | 112.1662% | 501 |
| Total domestic deposits to total assets | 72.6345% | 6,769 |
| Equity capital to assets | 13.0955% | 1,471 |
| Core capital (leverage) ratio | 13.0269% | 1,142 |
| Tier 1 risk-based capital ratio | 22.0678% | 1,280 |
| Total risk-based capital ratio | 23.0122% | 1,315 |
| Memoranda: | ||
| Average total assets | $152,429,000 | 3,794 |
| Average earning assets | $143,053,330 | 3,735 |
| Average equity | $19,272,670 | 3,312 |
| Average total loans | $120,273,670 | 3,130 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3011% | 4,732 |
| Cost of funding earning assets | 1.2069% | 954 |
| Net interest margin | 3.0942% | 6,064 |
| Noninterest income to average assets | 3.2812% | 212 |
| Noninterest expense to average assets | 2.3990% | 5,469 |
| Loan and lease loss provision to assets | 0.0553% | 4,714 |
| Net operating income to assets | 3.7368% | 74 |
| Return on assets (ROA) | 3.7368% | 80 |
| Pretax return on assets | 3.7368% | 103 |
| Return on Equity (ROE) | 30.0978% | 101 |
| Retained earnings to average equity (ytd only) | 24.7952% | 96 |
| Net charge-offs to loans | 0.0909% | 3,610 |
| Credit loss provision to net charge-offs | 77.7778% | 2,768 |
| Earnings coverage of net charge-offs (x) | 53.3333% | 601 |
| Efficiency ratio | 38.7495% | 7,130 |
| Assets per employee ($millions) | 7.6060% | 572 |
| Cash dividends to net income (ytd only)* | 17.6180% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6994% | 6,873 |
| Loan loss allowance to noncurrent loans | 64.9190% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 2.1246% | 2,754 |
| Noncurrent loans to loans | 1.0773% | 4,544 |
| Net loans and leases to total assets | 78.5912% | 535 |
| Net loans and leases to deposits | 105.3497% | 222 |
| Net loans and leases to core deposits | 107.3360% | 630 |
| Total domestic deposits to total assets | 74.6003% | 6,691 |
| Equity capital to assets | 12.7774% | 1,562 |
| Core capital (leverage) ratio | 12.7251% | 1,230 |
| Tier 1 risk-based capital ratio | 21.7010% | 1,333 |
| Total risk-based capital ratio | 22.6453% | 1,373 |
| Memoranda: | ||
| Average total assets | $151,895,500 | 3,840 |
| Average earning assets | $142,848,000 | 3,764 |
| Average equity | $18,858,500 | 3,371 |
| Average total loans | $118,765,500 | 3,179 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6137% | 4,621 |
| Cost of funding earning assets | 1.3540% | 1,223 |
| Net interest margin | 3.2596% | 5,932 |
| Noninterest income to average assets | 0.9397% | 1,538 |
| Noninterest expense to average assets | 1.9663% | 6,737 |
| Loan and lease loss provision to assets | 0.1274% | 5,022 |
| Net operating income to assets | 1.9423% | 348 |
| Return on assets (ROA) | 1.9540% | 361 |
| Pretax return on assets | 1.9540% | 585 |
| Return on Equity (ROE) | 16.7609% | 499 |
| Retained earnings to average equity (ytd only) | 12.3547% | 272 |
| Net charge-offs to loans | 0.0380% | 5,934 |
| Credit loss provision to net charge-offs | 422.7273% | 541 |
| Earnings coverage of net charge-offs (x) | 68.6818% | 436 |
| Efficiency ratio | 48.7188% | 6,905 |
| Assets per employee ($millions) | 7.2224% | 649 |
| Cash dividends to net income (ytd only)* | 26.2881% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5506% | 7,065 |
| Loan loss allowance to noncurrent loans | 38.0756% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 2.6208% | 2,319 |
| Noncurrent loans to loans | 1.4462% | 4,001 |
| Net loans and leases to total assets | 76.8051% | 849 |
| Net loans and leases to deposits | 102.2955% | 359 |
| Net loans and leases to core deposits | 104.1167% | 899 |
| Total domestic deposits to total assets | 75.0816% | 6,598 |
| Equity capital to assets | 12.0524% | 2,083 |
| Core capital (leverage) ratio | 12.0246% | 1,578 |
| Tier 1 risk-based capital ratio | 19.9709% | 1,651 |
| Total risk-based capital ratio | 20.6774% | 1,756 |
| Memoranda: | ||
| Average total assets | $146,010,600 | 3,875 |
| Average earning assets | $138,696,000 | 3,768 |
| Average equity | $17,021,800 | 3,572 |
| Average total loans | $115,708,800 | 3,261 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7098% | 4,410 |
| Cost of funding earning assets | 1.4004% | 1,228 |
| Net interest margin | 3.3093% | 5,832 |
| Noninterest income to average assets | 0.7119% | 2,532 |
| Noninterest expense to average assets | 1.9917% | 6,707 |
| Loan and lease loss provision to assets | 0.1715% | 4,322 |
| Net operating income to assets | 1.6994% | 628 |
| Return on assets (ROA) | 1.7151% | 664 |
| Pretax return on assets | 1.7151% | 1,110 |
| Return on Equity (ROE) | 14.8435% | 858 |
| Retained earnings to average equity (ytd only) | 8.8582% | 1,198 |
| Net charge-offs to loans | 0.0867% | 5,104 |
| Credit loss provision to net charge-offs | 248.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 27.0527% | 1,001 |
| Efficiency ratio | 51.5636% | 6,721 |
| Assets per employee ($millions) | 6.9560% | 753 |
| Cash dividends to net income (ytd only)* | 40.3227% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5353% | 7,145 |
| Loan loss allowance to noncurrent loans | 31.3876% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 2.7671% | 2,351 |
| Noncurrent loans to loans | 1.7054% | 3,752 |
| Net loans and leases to total assets | 77.9771% | 713 |
| Net loans and leases to deposits | 106.5309% | 240 |
| Net loans and leases to core deposits | 108.5595% | 744 |
| Total domestic deposits to total assets | 73.1966% | 6,835 |
| Equity capital to assets | 11.8336% | 2,391 |
| Core capital (leverage) ratio | 11.8047% | 1,825 |
| Tier 1 risk-based capital ratio | 18.7065% | 2,027 |
| Total risk-based capital ratio | 19.3717% | 2,173 |
| Memoranda: | ||
| Average total assets | $144,595,500 | 3,916 |
| Average earning assets | $137,668,000 | 3,808 |
| Average equity | $16,707,250 | 3,627 |
| Average total loans | $115,352,000 | 3,294 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7530% | 4,284 |
| Cost of funding earning assets | 1.4316% | 1,270 |
| Net interest margin | 3.3214% | 5,800 |
| Noninterest income to average assets | 0.6176% | 3,016 |
| Noninterest expense to average assets | 2.0041% | 6,782 |
| Loan and lease loss provision to assets | 0.1041% | 5,007 |
| Net operating income to assets | 1.6780% | 627 |
| Return on assets (ROA) | 1.7016% | 647 |
| Pretax return on assets | 1.7016% | 1,056 |
| Return on Equity (ROE) | 14.8477% | 827 |
| Retained earnings to average equity (ytd only) | 8.7924% | 1,177 |
| Net charge-offs to loans | 0.1591% | 4,224 |
| Credit loss provision to net charge-offs | 81.5217% | 3,723 |
| Earnings coverage of net charge-offs (x) | 13.9565% | 1,507 |
| Efficiency ratio | 52.9326% | 6,720 |
| Assets per employee ($millions) | 6.9143% | 764 |
| Cash dividends to net income (ytd only)* | 40.7830% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4225% | 7,280 |
| Loan loss allowance to noncurrent loans | 19.6661% | 6,731 |
| Noncurrent assets plus other real estate owned to assets | 2.3437% | 2,812 |
| Noncurrent loans to loans | 2.1483% | 3,290 |
| Net loans and leases to total assets | 78.4036% | 717 |
| Net loans and leases to deposits | 103.1813% | 342 |
| Net loans and leases to core deposits | 105.7510% | 942 |
| Total domestic deposits to total assets | 75.9862% | 6,599 |
| Equity capital to assets | 11.6405% | 2,373 |
| Core capital (leverage) ratio | 11.6113% | 1,840 |
| Tier 1 risk-based capital ratio | 18.5117% | 2,010 |
| Total risk-based capital ratio | 19.0422% | 2,196 |
| Memoranda: | ||
| Average total assets | $144,102,330 | 3,954 |
| Average earning assets | $137,470,330 | 3,828 |
| Average equity | $16,514,330 | 3,648 |
| Average total loans | $115,630,000 | 3,326 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8385% | 3,878 |
| Cost of funding earning assets | 1.4885% | 1,218 |
| Net interest margin | 3.3499% | 5,610 |
| Noninterest income to average assets | 0.5517% | 3,498 |
| Noninterest expense to average assets | 2.0452% | 6,745 |
| Loan and lease loss provision to assets | 0.1059% | 4,690 |
| Net operating income to assets | 1.6050% | 687 |
| Return on assets (ROA) | 1.6356% | 678 |
| Pretax return on assets | 1.6356% | 1,116 |
| Return on Equity (ROE) | 14.3868% | 923 |
| Retained earnings to average equity (ytd only) | 8.2596% | 1,631 |
| Net charge-offs to loans | 0.1101% | 3,867 |
| Credit loss provision to net charge-offs | 118.7500% | 2,291 |
| Earnings coverage of net charge-offs (x) | 19.1875% | 1,151 |
| Efficiency ratio | 54.4510% | 6,654 |
| Assets per employee ($millions) | 7.2055% | 663 |
| Cash dividends to net income (ytd only)* | 42.5894% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4421% | 7,321 |
| Loan loss allowance to noncurrent loans | 27.7444% | 6,421 |
| Noncurrent assets plus other real estate owned to assets | 2.1227% | 3,163 |
| Noncurrent loans to loans | 1.5934% | 4,090 |
| Net loans and leases to total assets | 79.3838% | 579 |
| Net loans and leases to deposits | 106.5306% | 238 |
| Net loans and leases to core deposits | 109.4391% | 760 |
| Total domestic deposits to total assets | 74.5174% | 6,856 |
| Equity capital to assets | 11.4447% | 2,316 |
| Core capital (leverage) ratio | 11.4275% | 1,889 |
| Tier 1 risk-based capital ratio | 18.2725% | 2,032 |
| Total risk-based capital ratio | 18.8363% | 2,226 |
| Memoranda: | ||
| Average total assets | $143,553,500 | 4,004 |
| Average earning assets | $137,315,500 | 3,872 |
| Average equity | $16,320,500 | 3,671 |
| Average total loans | $116,282,500 | 3,334 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1435% | 3,890 |
| Cost of funding earning assets | 1.8751% | 925 |
| Net interest margin | 3.2685% | 6,075 |
| Noninterest income to average assets | 1.5296% | 623 |
| Noninterest expense to average assets | 2.1526% | 6,723 |
| Loan and lease loss provision to assets | 0.3207% | 4,250 |
| Net operating income to assets | 2.1765% | 205 |
| Return on assets (ROA) | 2.1820% | 215 |
| Pretax return on assets | 2.1820% | 335 |
| Return on Equity (ROE) | 21.4203% | 180 |
| Retained earnings to average equity (ytd only) | 16.3747% | 92 |
| Net charge-offs to loans | 0.6608% | 3,026 |
| Credit loss provision to net charge-offs | 58.1366% | 6,110 |
| Earnings coverage of net charge-offs (x) | 4.5267% | 2,887 |
| Efficiency ratio | 46.2933% | 7,340 |
| Assets per employee ($millions) | 7.1499% | 698 |
| Cash dividends to net income (ytd only)* | 23.5553% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4267% | 7,407 |
| Loan loss allowance to noncurrent loans | 18.1358% | 6,882 |
| Noncurrent assets plus other real estate owned to assets | 2.7994% | 2,502 |
| Noncurrent loans to loans | 2.3526% | 3,167 |
| Net loans and leases to total assets | 81.9283% | 453 |
| Net loans and leases to deposits | 111.8745% | 204 |
| Net loans and leases to core deposits | 114.1205% | 726 |
| Total domestic deposits to total assets | 73.2323% | 6,977 |
| Equity capital to assets | 11.2925% | 2,417 |
| Core capital (leverage) ratio | 11.2801% | 1,962 |
| Tier 1 risk-based capital ratio | 17.9268% | 2,021 |
| Total risk-based capital ratio | 18.4848% | 2,222 |
| Memoranda: | ||
| Average total assets | $145,919,800 | 3,949 |
| Average earning assets | $139,300,800 | 3,833 |
| Average equity | $14,864,400 | 3,964 |
| Average total loans | $121,825,000 | 3,280 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1963% | 3,849 |
| Cost of funding earning assets | 1.9230% | 953 |
| Net interest margin | 3.2733% | 6,100 |
| Noninterest income to average assets | 1.3037% | 814 |
| Noninterest expense to average assets | 2.0738% | 6,902 |
| Loan and lease loss provision to assets | 0.0927% | 6,102 |
| Net operating income to assets | 2.2556% | 214 |
| Return on assets (ROA) | 2.2629% | 225 |
| Pretax return on assets | 2.2629% | 368 |
| Return on Equity (ROE) | 22.8183% | 167 |
| Retained earnings to average equity (ytd only) | 15.9426% | 169 |
| Net charge-offs to loans | 0.5979% | 2,949 |
| Credit loss provision to net charge-offs | 18.5118% | 6,262 |
| Earnings coverage of net charge-offs (x) | 4.6878% | 2,952 |
| Efficiency ratio | 46.8956% | 7,343 |
| Assets per employee ($millions) | 7.5607% | 611 |
| Cash dividends to net income (ytd only)* | 30.1328% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3143% | 7,586 |
| Loan loss allowance to noncurrent loans | 13.2453% | 7,114 |
| Noncurrent assets plus other real estate owned to assets | 2.3787% | 2,998 |
| Noncurrent loans to loans | 2.3732% | 3,267 |
| Net loans and leases to total assets | 82.0003% | 493 |
| Net loans and leases to deposits | 115.3719% | 168 |
| Net loans and leases to core deposits | 117.8031% | 690 |
| Total domestic deposits to total assets | 71.0748% | 7,209 |
| Equity capital to assets | 10.2444% | 3,826 |
| Core capital (leverage) ratio | 10.2100% | 3,032 |
| Tier 1 risk-based capital ratio | 16.0355% | 2,743 |
| Total risk-based capital ratio | 16.4417% | 3,129 |
| Memoranda: | ||
| Average total assets | $146,650,500 | 3,987 |
| Average earning assets | $139,712,250 | 3,877 |
| Average equity | $14,543,500 | 4,087 |
| Average total loans | $122,867,000 | 3,312 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2012% | 3,954 |
| Cost of funding earning assets | 1.9941% | 924 |
| Net interest margin | 3.2071% | 6,296 |
| Noninterest income to average assets | 1.0349% | 1,270 |
| Noninterest expense to average assets | 2.0272% | 7,060 |
| Loan and lease loss provision to assets | 0.1406% | 5,488 |
| Net operating income to assets | 1.9279% | 376 |
| Return on assets (ROA) | 1.9390% | 408 |
| Pretax return on assets | 1.9390% | 687 |
| Return on Equity (ROE) | 19.7784% | 334 |
| Retained earnings to average equity (ytd only) | 12.7498% | 407 |
| Net charge-offs to loans | 0.5590% | 2,858 |
| Credit loss provision to net charge-offs | 29.8246% | 5,738 |
| Earnings coverage of net charge-offs (x) | 4.3889% | 2,961 |
| Efficiency ratio | 49.4953% | 7,258 |
| Assets per employee ($millions) | 8.5411% | 408 |
| Cash dividends to net income (ytd only)* | 35.5366% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4822% | 7,526 |
| Loan loss allowance to noncurrent loans | 24.8754% | 6,683 |
| Noncurrent assets plus other real estate owned to assets | 2.3609% | 3,063 |
| Noncurrent loans to loans | 1.9383% | 3,814 |
| Net loans and leases to total assets | 85.1480% | 284 |
| Net loans and leases to deposits | 119.3609% | 130 |
| Net loans and leases to core deposits | 122.2683% | 620 |
| Total domestic deposits to total assets | 71.3366% | 7,234 |
| Equity capital to assets | 10.0765% | 3,915 |
| Core capital (leverage) ratio | 10.0579% | 3,105 |
| Tier 1 risk-based capital ratio | 15.5288% | 2,876 |
| Total risk-based capital ratio | 16.1659% | 3,169 |
| Memoranda: | ||
| Average total assets | $145,129,330 | 4,046 |
| Average earning assets | $138,506,330 | 3,932 |
| Average equity | $14,227,670 | 4,153 |
| Average total loans | $122,360,330 | 3,356 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3038% | 3,530 |
| Cost of funding earning assets | 2.0897% | 839 |
| Net interest margin | 3.2140% | 6,254 |
| Noninterest income to average assets | 0.7471% | 2,314 |
| Noninterest expense to average assets | 2.0456% | 7,072 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7671% | 531 |
| Return on assets (ROA) | 1.7671% | 581 |
| Pretax return on assets | 1.7671% | 941 |
| Return on Equity (ROE) | 18.2803% | 494 |
| Retained earnings to average equity (ytd only) | 18.2803% | 236 |
| Net charge-offs to loans | 1.0871% | 1,536 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.9424% | 3,569 |
| Efficiency ratio | 53.6515% | 7,008 |
| Assets per employee ($millions) | 8.0957% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4278% | 7,671 |
| Loan loss allowance to noncurrent loans | 27.4246% | 6,571 |
| Noncurrent assets plus other real estate owned to assets | 1.9331% | 3,582 |
| Noncurrent loans to loans | 1.5599% | 4,402 |
| Net loans and leases to total assets | 81.3001% | 674 |
| Net loans and leases to deposits | 112.9928% | 229 |
| Net loans and leases to core deposits | 116.4663% | 929 |
| Total domestic deposits to total assets | 71.9516% | 7,271 |
| Equity capital to assets | 9.8550% | 4,046 |
| Core capital (leverage) ratio | 9.8389% | 3,355 |
| Tier 1 risk-based capital ratio | 15.6598% | 2,800 |
| Total risk-based capital ratio | 16.2159% | 3,088 |
| Memoranda: | ||
| Average total assets | $145,094,500 | 4,111 |
| Average earning assets | $138,392,500 | 3,995 |
| Average equity | $14,026,000 | 4,237 |
| Average total loans | $121,424,000 | 3,437 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6963% | 3,118 |
| Cost of funding earning assets | 2.6163% | 742 |
| Net interest margin | 3.0801% | 6,433 |
| Noninterest income to average assets | 1.0342% | 1,459 |
| Noninterest expense to average assets | 2.0273% | 7,328 |
| Loan and lease loss provision to assets | 0.2617% | 5,311 |
| Net operating income to assets | 1.7048% | 433 |
| Return on assets (ROA) | 1.9212% | 285 |
| Pretax return on assets | 1.9212% | 487 |
| Return on Equity (ROE) | 21.2659% | 187 |
| Retained earnings to average equity (ytd only) | 15.3935% | 89 |
| Net charge-offs to loans | 0.0786% | 6,319 |
| Credit loss provision to net charge-offs | 377.5510% | 847 |
| Earnings coverage of net charge-offs (x) | 28.3673% | 808 |
| Efficiency ratio | 50.7616% | 7,490 |
| Assets per employee ($millions) | 7.2233% | 735 |
| Cash dividends to net income (ytd only)* | 27.6141% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6773% | 7,420 |
| Loan loss allowance to noncurrent loans | 44.5329% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 1.8302% | 3,628 |
| Noncurrent loans to loans | 1.5210% | 4,372 |
| Net loans and leases to total assets | 85.1598% | 332 |
| Net loans and leases to deposits | 125.6172% | 119 |
| Net loans and leases to core deposits | 160.8554% | 331 |
| Total domestic deposits to total assets | 67.7931% | 7,564 |
| Equity capital to assets | 9.4770% | 4,443 |
| Core capital (leverage) ratio | 9.4789% | 3,747 |
| Tier 1 risk-based capital ratio | 15.0843% | 2,893 |
| Total risk-based capital ratio | 16.0085% | 3,026 |
| Memoranda: | ||
| Average total assets | $141,369,000 | 4,093 |
| Average earning assets | $135,841,400 | 3,979 |
| Average equity | $12,771,600 | 4,565 |
| Average total loans | $124,648,200 | 3,387 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7808% | 2,975 |
| Cost of funding earning assets | 2.7547% | 677 |
| Net interest margin | 3.0261% | 6,529 |
| Noninterest income to average assets | 0.9948% | 1,627 |
| Noninterest expense to average assets | 1.9754% | 7,427 |
| Loan and lease loss provision to assets | 0.2523% | 4,931 |
| Net operating income to assets | 1.6757% | 586 |
| Return on assets (ROA) | 1.9659% | 337 |
| Pretax return on assets | 1.9659% | 578 |
| Return on Equity (ROE) | 22.0378% | 203 |
| Retained earnings to average equity (ytd only) | 14.0647% | 189 |
| Net charge-offs to loans | 0.0203% | 6,618 |
| Credit loss provision to net charge-offs | 1,400.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 107.0114% | 340 |
| Efficiency ratio | 50.6074% | 7,508 |
| Assets per employee ($millions) | 7.0164% | 789 |
| Cash dividends to net income (ytd only)* | 36.1796% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6619% | 7,462 |
| Loan loss allowance to noncurrent loans | 51.4214% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 1.5863% | 3,977 |
| Noncurrent loans to loans | 1.2871% | 4,788 |
| Net loans and leases to total assets | 87.0625% | 268 |
| Net loans and leases to deposits | 124.2050% | 147 |
| Net loans and leases to core deposits | 155.5868% | 467 |
| Total domestic deposits to total assets | 70.0958% | 7,408 |
| Equity capital to assets | 9.3004% | 5,034 |
| Core capital (leverage) ratio | 9.3004% | 4,191 |
| Tier 1 risk-based capital ratio | 14.3238% | 3,368 |
| Total risk-based capital ratio | 15.2172% | 3,518 |
| Memoranda: | ||
| Average total assets | $140,594,750 | 4,125 |
| Average earning assets | $135,134,250 | 4,021 |
| Average equity | $12,541,750 | 4,654 |
| Average total loans | $124,843,750 | 3,406 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8266% | 2,920 |
| Cost of funding earning assets | 2.8956% | 616 |
| Net interest margin | 2.9310% | 6,732 |
| Noninterest income to average assets | 1.0520% | 1,428 |
| Noninterest expense to average assets | 2.0031% | 7,458 |
| Loan and lease loss provision to assets | 0.2985% | 4,176 |
| Net operating income to assets | 1.5709% | 727 |
| Return on assets (ROA) | 2.0059% | 318 |
| Pretax return on assets | 2.0059% | 558 |
| Return on Equity (ROE) | 22.8096% | 203 |
| Retained earnings to average equity (ytd only) | 22.8096% | 56 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7254% | 7,536 |
| Assets per employee ($millions) | 7.3223% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6099% | 7,622 |
| Loan loss allowance to noncurrent loans | 51.8000% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 1.3477% | 4,263 |
| Noncurrent loans to loans | 1.1773% | 4,864 |
| Net loans and leases to total assets | 91.0209% | 91 |
| Net loans and leases to deposits | 131.0188% | 115 |
| Net loans and leases to core deposits | 163.5193% | 394 |
| Total domestic deposits to total assets | 69.4716% | 7,516 |
| Equity capital to assets | 9.4442% | 4,684 |
| Core capital (leverage) ratio | 9.4442% | 3,968 |
| Tier 1 risk-based capital ratio | 14.4101% | 3,300 |
| Total risk-based capital ratio | 15.2623% | 3,453 |
| Memoranda: | ||
| Average total assets | $140,683,670 | 4,162 |
| Average earning assets | $135,378,330 | 4,045 |
| Average equity | $12,372,000 | 4,718 |
| Average total loans | $125,462,670 | 3,432 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8435% | 3,074 |
| Cost of funding earning assets | 2.9936% | 615 |
| Net interest margin | 2.8499% | 6,878 |
| Noninterest income to average assets | 0.3478% | 5,663 |
| Noninterest expense to average assets | 1.9765% | 7,406 |
| Loan and lease loss provision to assets | 0.5118% | 2,425 |
| Net operating income to assets | 0.6079% | 3,981 |
| Return on assets (ROA) | 1.4732% | 1,064 |
| Pretax return on assets | 1.4732% | 1,743 |
| Return on Equity (ROE) | 17.3833% | 648 |
| Retained earnings to average equity (ytd only) | 17.3833% | 255 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8356% | 5,722 |
| Assets per employee ($millions) | 7.8651% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6089% | 7,645 |
| Loan loss allowance to noncurrent loans | 56.6009% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 1.1959% | 4,279 |
| Noncurrent loans to loans | 1.0759% | 4,828 |
| Net loans and leases to total assets | 86.0057% | 448 |
| Net loans and leases to deposits | 122.3596% | 245 |
| Net loans and leases to core deposits | 155.3200% | 575 |
| Total domestic deposits to total assets | 70.2893% | 7,400 |
| Equity capital to assets | 8.6521% | 5,840 |
| Core capital (leverage) ratio | 8.6521% | 5,250 |
| Tier 1 risk-based capital ratio | 13.7319% | 3,725 |
| Total risk-based capital ratio | 14.5682% | 3,901 |
| Memoranda: | ||
| Average total assets | $141,464,000 | 4,161 |
| Average earning assets | $136,426,000 | 4,027 |
| Average equity | $11,988,500 | 4,838 |
| Average total loans | $124,490,000 | 3,474 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2680% | 4,141 |
| Cost of funding earning assets | 3.4831% | 548 |
| Net interest margin | 2.7849% | 7,353 |
| Noninterest income to average assets | 0.2734% | 6,499 |
| Noninterest expense to average assets | 1.7276% | 7,838 |
| Loan and lease loss provision to assets | 0.0486% | 6,806 |
| Net operating income to assets | 1.1687% | 1,879 |
| Return on assets (ROA) | 1.4907% | 1,002 |
| Pretax return on assets | 1.4907% | 1,711 |
| Return on Equity (ROE) | 17.4356% | 581 |
| Retained earnings to average equity (ytd only) | 10.7740% | 356 |
| Net charge-offs to loans | 0.0420% | 6,190 |
| Credit loss provision to net charge-offs | 128.0000% | 4,165 |
| Earnings coverage of net charge-offs (x) | 32.0600% | 1,119 |
| Efficiency ratio | 58.6643% | 6,580 |
| Assets per employee ($millions) | 8.3151% | 417 |
| Cash dividends to net income (ytd only)* | 38.2068% | 3,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4467% | 7,923 |
| Loan loss allowance to noncurrent loans | 46.6557% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 0.9734% | 4,398 |
| Noncurrent loans to loans | 0.9575% | 4,688 |
| Net loans and leases to total assets | 89.0723% | 274 |
| Net loans and leases to deposits | 133.9857% | 161 |
| Net loans and leases to core deposits | 171.6200% | 375 |
| Total domestic deposits to total assets | 66.4790% | 7,622 |
| Equity capital to assets | 8.2968% | 6,427 |
| Core capital (leverage) ratio | 8.2968% | 5,956 |
| Tier 1 risk-based capital ratio | 13.2472% | 3,968 |
| Total risk-based capital ratio | 13.8854% | 4,251 |
| Memoranda: | ||
| Average total assets | $131,685,400 | 4,242 |
| Average earning assets | $126,324,800 | 4,121 |
| Average equity | $11,258,600 | 5,049 |
| Average total loans | $118,951,200 | 3,493 |