Home > Victory State Bank > Performance and Condition Ratios
Victory State Bank, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6429% | 4,188 |
| Cost of funding earning assets | 0.5020% | 3,524 |
| Net interest margin | 3.1408% | 3,806 |
| Noninterest income to average assets | 0.3948% | 3,116 |
| Noninterest expense to average assets | 2.3546% | 3,387 |
| Loan and lease loss provision to assets | 0.1581% | 2,417 |
| Net operating income to assets | 0.6225% | 3,664 |
| Return on assets (ROA) | 0.6225% | 3,741 |
| Pretax return on assets | 0.8302% | 3,509 |
| Return on Equity (ROE) | 6.4283% | 3,356 |
| Retained earnings to average equity (ytd only) | -23.5088% | 5,017 |
| Net charge-offs to loans | 0.2762% | 575 |
| Credit loss provision to net charge-offs | 128.7554% | 2,241 |
| Earnings coverage of net charge-offs (x) | 8.0472% | 2,322 |
| Efficiency ratio | 70.4352% | 1,901 |
| Assets per employee ($millions) | 7.0757% | 1,400 |
| Cash dividends to net income (ytd only)* | 465.7070% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 3,998 |
| Loan loss allowance to noncurrent loans | 31.7161% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.3134% | 792 |
| Noncurrent loans to loans | 2.8445% | 367 |
| Net loans and leases to total assets | 45.7558% | 4,375 |
| Net loans and leases to deposits | 50.9084% | 4,496 |
| Net loans and leases to core deposits | 57.4242% | 4,380 |
| Total domestic deposits to total assets | 89.8786% | 436 |
| Equity capital to assets | 8.3639% | 4,556 |
| Core capital (leverage) ratio | 8.4324% | 4,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4964% | 981 |
| Memoranda: | ||
| Average total assets | $379,419,667 | 1,894 |
| Average earning assets | $356,146,000 | 1,871 |
| Average equity | $36,743,667 | 2,124 |
| Average total loans | $168,706,000 | 2,479 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9633% | 3,893 |
| Cost of funding earning assets | 0.4959% | 3,966 |
| Net interest margin | 3.4675% | 3,092 |
| Noninterest income to average assets | 0.5693% | 2,185 |
| Noninterest expense to average assets | 2.8291% | 2,345 |
| Loan and lease loss provision to assets | 0.1089% | 2,317 |
| Net operating income to assets | 0.6673% | 3,377 |
| Return on assets (ROA) | 0.6673% | 3,445 |
| Pretax return on assets | 0.8893% | 3,166 |
| Return on Equity (ROE) | 6.4106% | 3,164 |
| Retained earnings to average equity (ytd only) | 6.4106% | 1,743 |
| Net charge-offs to loans | 0.0225% | 1,914 |
| Credit loss provision to net charge-offs | 1,111.1111% | 529 |
| Earnings coverage of net charge-offs (x) | 101.8889% | 574 |
| Efficiency ratio | 73.9192% | 1,831 |
| Assets per employee ($millions) | 6.1694% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 3,367 |
| Loan loss allowance to noncurrent loans | 51.9196% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 0.9017% | 1,485 |
| Noncurrent loans to loans | 2.0536% | 678 |
| Net loans and leases to total assets | 43.4380% | 4,529 |
| Net loans and leases to deposits | 49.6491% | 4,606 |
| Net loans and leases to core deposits | 57.0876% | 4,457 |
| Total domestic deposits to total assets | 87.4899% | 1,340 |
| Equity capital to assets | 10.5985% | 3,231 |
| Core capital (leverage) ratio | 10.5183% | 2,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8405% | 765 |
| Memoranda: | ||
| Average total assets | $367,472,000 | 1,896 |
| Average earning assets | $345,264,000 | 1,872 |
| Average equity | $38,249,000 | 2,058 |
| Average total loans | $159,949,000 | 2,540 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 4,368 |
| Cost of funding earning assets | 0.5160% | 4,016 |
| Net interest margin | 3.4220% | 3,674 |
| Noninterest income to average assets | 0.6009% | 2,215 |
| Noninterest expense to average assets | 2.6458% | 3,043 |
| Loan and lease loss provision to assets | 0.0585% | 2,868 |
| Net operating income to assets | 0.9272% | 3,102 |
| Return on assets (ROA) | 0.9272% | 3,177 |
| Pretax return on assets | 1.1190% | 3,110 |
| Return on Equity (ROE) | 9.8508% | 2,361 |
| Retained earnings to average equity (ytd only) | 7.3646% | 1,224 |
| Net charge-offs to loans | 0.0557% | 2,306 |
| Credit loss provision to net charge-offs | 267.8571% | 1,036 |
| Earnings coverage of net charge-offs (x) | 53.9167% | 1,064 |
| Efficiency ratio | 69.2010% | 2,291 |
| Assets per employee ($millions) | 5.8881% | 1,722 |
| Cash dividends to net income (ytd only)* | 25.2384% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 3,452 |
| Loan loss allowance to noncurrent loans | 123.2238% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 2,993 |
| Noncurrent loans to loans | 0.8177% | 1,869 |
| Net loans and leases to total assets | 42.7199% | 4,654 |
| Net loans and leases to deposits | 48.5815% | 4,725 |
| Net loans and leases to core deposits | 55.4887% | 4,604 |
| Total domestic deposits to total assets | 87.9345% | 1,154 |
| Equity capital to assets | 10.2224% | 3,709 |
| Core capital (leverage) ratio | 10.1381% | 3,368 |
| Tier 1 risk-based capital ratio | 19.5231% | 1,408 |
| Total risk-based capital ratio | 20.3533% | 1,466 |
| Memoranda: | ||
| Average total assets | $384,616,600 | 1,785 |
| Average earning assets | $362,180,800 | 1,772 |
| Average equity | $36,200,200 | 2,085 |
| Average total loans | $150,925,000 | 2,607 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9323% | 4,487 |
| Cost of funding earning assets | 0.5171% | 4,078 |
| Net interest margin | 3.4152% | 3,824 |
| Noninterest income to average assets | 0.5931% | 2,241 |
| Noninterest expense to average assets | 2.6602% | 2,980 |
| Loan and lease loss provision to assets | 0.0601% | 2,691 |
| Net operating income to assets | 0.9470% | 3,176 |
| Return on assets (ROA) | 0.9470% | 3,251 |
| Pretax return on assets | 1.0906% | 3,320 |
| Return on Equity (ROE) | 10.2727% | 2,321 |
| Retained earnings to average equity (ytd only) | 6.9180% | 1,902 |
| Net charge-offs to loans | -0.0673% | 4,900 |
| Credit loss provision to net charge-offs | -233.3333% | 4,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8043% | 2,144 |
| Assets per employee ($millions) | 6.0970% | 1,535 |
| Cash dividends to net income (ytd only)* | 32.6561% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 3,053 |
| Loan loss allowance to noncurrent loans | 76.2622% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5973% | 2,212 |
| Noncurrent loans to loans | 1.4362% | 1,060 |
| Net loans and leases to total assets | 41.1366% | 4,777 |
| Net loans and leases to deposits | 47.3292% | 4,835 |
| Net loans and leases to core deposits | 54.2361% | 4,734 |
| Total domestic deposits to total assets | 86.9158% | 1,565 |
| Equity capital to assets | 9.8123% | 4,198 |
| Core capital (leverage) ratio | 9.5514% | 4,113 |
| Tier 1 risk-based capital ratio | 19.0729% | 1,551 |
| Total risk-based capital ratio | 19.9578% | 1,606 |
| Memoranda: | ||
| Average total assets | $388,033,500 | 1,789 |
| Average earning assets | $365,609,000 | 1,775 |
| Average equity | $35,770,250 | 2,118 |
| Average total loans | $148,635,750 | 2,661 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8584% | 4,625 |
| Cost of funding earning assets | 0.4885% | 4,168 |
| Net interest margin | 3.3699% | 3,990 |
| Noninterest income to average assets | 0.5504% | 2,382 |
| Noninterest expense to average assets | 2.6353% | 3,100 |
| Loan and lease loss provision to assets | 0.0664% | 2,488 |
| Net operating income to assets | 0.8049% | 3,635 |
| Return on assets (ROA) | 0.8049% | 3,695 |
| Pretax return on assets | 1.0353% | 3,433 |
| Return on Equity (ROE) | 8.9160% | 2,889 |
| Retained earnings to average equity (ytd only) | 3.8212% | 3,337 |
| Net charge-offs to loans | -0.0960% | 4,995 |
| Credit loss provision to net charge-offs | -185.7143% | 3,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5183% | 2,148 |
| Assets per employee ($millions) | 6.5002% | 1,237 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 3,179 |
| Loan loss allowance to noncurrent loans | 98.9935% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 2,806 |
| Noncurrent loans to loans | 1.0906% | 1,503 |
| Net loans and leases to total assets | 38.6353% | 4,888 |
| Net loans and leases to deposits | 45.9325% | 4,909 |
| Net loans and leases to core deposits | 52.4169% | 4,810 |
| Total domestic deposits to total assets | 84.1134% | 2,808 |
| Equity capital to assets | 9.0429% | 4,771 |
| Core capital (leverage) ratio | 8.8704% | 4,740 |
| Tier 1 risk-based capital ratio | 18.2123% | 1,746 |
| Total risk-based capital ratio | 19.0596% | 1,804 |
| Memoranda: | ||
| Average total assets | $391,373,330 | 1,792 |
| Average earning assets | $370,100,330 | 1,765 |
| Average equity | $35,329,670 | 2,126 |
| Average total loans | $145,773,000 | 2,701 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6791% | 4,874 |
| Cost of funding earning assets | 0.4569% | 4,258 |
| Net interest margin | 3.2222% | 4,337 |
| Noninterest income to average assets | 0.5216% | 2,428 |
| Noninterest expense to average assets | 2.6173% | 3,163 |
| Loan and lease loss provision to assets | 0.0514% | 2,625 |
| Net operating income to assets | 0.7078% | 3,910 |
| Return on assets (ROA) | 0.7078% | 3,956 |
| Pretax return on assets | 0.9146% | 3,719 |
| Return on Equity (ROE) | 7.8479% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.8479% | 1,721 |
| Net charge-offs to loans | -0.1699% | 5,145 |
| Credit loss provision to net charge-offs | -83.3333% | 3,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0405% | 1,881 |
| Assets per employee ($millions) | 6.0681% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,554 |
| Loan loss allowance to noncurrent loans | 91.1290% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 2,854 |
| Noncurrent loans to loans | 1.1249% | 1,483 |
| Net loans and leases to total assets | 38.1378% | 4,954 |
| Net loans and leases to deposits | 42.7119% | 5,018 |
| Net loans and leases to core deposits | 48.4159% | 4,928 |
| Total domestic deposits to total assets | 89.2909% | 733 |
| Equity capital to assets | 8.8811% | 4,763 |
| Core capital (leverage) ratio | 9.3664% | 4,297 |
| Tier 1 risk-based capital ratio | 18.3473% | 1,701 |
| Total risk-based capital ratio | 19.1547% | 1,782 |
| Memoranda: | ||
| Average total assets | $388,805,000 | 1,815 |
| Average earning assets | $369,440,500 | 1,770 |
| Average equity | $35,066,500 | 2,139 |
| Average total loans | $141,227,000 | 2,787 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8626% | 4,363 |
| Cost of funding earning assets | 0.3384% | 4,356 |
| Net interest margin | 3.5241% | 3,620 |
| Noninterest income to average assets | 0.5879% | 2,361 |
| Noninterest expense to average assets | 2.6976% | 3,030 |
| Loan and lease loss provision to assets | 0.0340% | 3,516 |
| Net operating income to assets | 0.9330% | 3,314 |
| Return on assets (ROA) | 0.9330% | 3,307 |
| Pretax return on assets | 1.2286% | 2,782 |
| Return on Equity (ROE) | 10.3474% | 2,370 |
| Retained earnings to average equity (ytd only) | 8.0875% | 1,195 |
| Net charge-offs to loans | 0.1672% | 1,151 |
| Credit loss provision to net charge-offs | 57.3394% | 3,127 |
| Earnings coverage of net charge-offs (x) | 21.3165% | 1,949 |
| Efficiency ratio | 68.1188% | 2,520 |
| Assets per employee ($millions) | 6.1823% | 1,398 |
| Cash dividends to net income (ytd only)* | 21.8404% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 2,834 |
| Loan loss allowance to noncurrent loans | 132.4932% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 3,400 |
| Noncurrent loans to loans | 0.8671% | 1,860 |
| Net loans and leases to total assets | 33.5866% | 5,128 |
| Net loans and leases to deposits | 37.2225% | 5,173 |
| Net loans and leases to core deposits | 42.4658% | 5,113 |
| Total domestic deposits to total assets | 90.2320% | 402 |
| Equity capital to assets | 9.1656% | 4,433 |
| Core capital (leverage) ratio | 9.2775% | 4,375 |
| Tier 1 risk-based capital ratio | 20.7892% | 1,184 |
| Total risk-based capital ratio | 21.6570% | 1,219 |
| Memoranda: | ||
| Average total assets | $368,061,800 | 1,839 |
| Average earning assets | $352,199,200 | 1,798 |
| Average equity | $33,187,200 | 2,144 |
| Average total loans | $130,367,000 | 2,872 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7178% | 4,619 |
| Cost of funding earning assets | 0.3310% | 4,302 |
| Net interest margin | 3.3868% | 4,041 |
| Noninterest income to average assets | 0.5879% | 2,377 |
| Noninterest expense to average assets | 2.6852% | 3,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8657% | 3,676 |
| Return on assets (ROA) | 0.8657% | 3,682 |
| Pretax return on assets | 1.1438% | 3,221 |
| Return on Equity (ROE) | 9.6417% | 2,780 |
| Retained earnings to average equity (ytd only) | 6.5969% | 2,337 |
| Net charge-offs to loans | 0.1864% | 899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 17.1478% | 2,124 |
| Efficiency ratio | 70.1285% | 2,170 |
| Assets per employee ($millions) | 6.1800% | 1,362 |
| Cash dividends to net income (ytd only)* | 31.5791% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 3,190 |
| Loan loss allowance to noncurrent loans | 23.6038% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 1.5531% | 815 |
| Noncurrent loans to loans | 4.6592% | 154 |
| Net loans and leases to total assets | 32.9684% | 5,223 |
| Net loans and leases to deposits | 36.3948% | 5,267 |
| Net loans and leases to core deposits | 41.4952% | 5,210 |
| Total domestic deposits to total assets | 90.5854% | 316 |
| Equity capital to assets | 8.8549% | 4,676 |
| Core capital (leverage) ratio | 9.1741% | 4,540 |
| Tier 1 risk-based capital ratio | 20.4705% | 1,254 |
| Total risk-based capital ratio | 21.2976% | 1,291 |
| Memoranda: | ||
| Average total assets | $365,797,750 | 1,857 |
| Average earning assets | $350,058,750 | 1,814 |
| Average equity | $32,842,750 | 2,168 |
| Average total loans | $130,925,500 | 2,889 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6841% | 4,622 |
| Cost of funding earning assets | 0.3103% | 4,350 |
| Net interest margin | 3.3738% | 4,039 |
| Noninterest income to average assets | 0.5938% | 2,354 |
| Noninterest expense to average assets | 2.6017% | 3,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9335% | 3,309 |
| Return on assets (ROA) | 0.9335% | 3,312 |
| Pretax return on assets | 1.2235% | 2,857 |
| Return on Equity (ROE) | 10.3480% | 2,402 |
| Retained earnings to average equity (ytd only) | 5.7557% | 2,695 |
| Net charge-offs to loans | 0.2819% | 569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 11.8449% | 2,239 |
| Efficiency ratio | 68.0144% | 2,644 |
| Assets per employee ($millions) | 6.2892% | 1,274 |
| Cash dividends to net income (ytd only)* | 44.3787% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 3,511 |
| Loan loss allowance to noncurrent loans | 24.1500% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 1.5378% | 858 |
| Noncurrent loans to loans | 4.3682% | 188 |
| Net loans and leases to total assets | 34.8324% | 5,211 |
| Net loans and leases to deposits | 38.4181% | 5,281 |
| Net loans and leases to core deposits | 43.8870% | 5,198 |
| Total domestic deposits to total assets | 90.6665% | 341 |
| Equity capital to assets | 8.8441% | 4,686 |
| Core capital (leverage) ratio | 9.0600% | 4,634 |
| Tier 1 risk-based capital ratio | 19.4666% | 1,441 |
| Total risk-based capital ratio | 20.2669% | 1,512 |
| Memoranda: | ||
| Average total assets | $362,070,670 | 1,878 |
| Average earning assets | $346,787,000 | 1,832 |
| Average equity | $32,663,330 | 2,186 |
| Average total loans | $132,678,670 | 2,880 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7603% | 4,324 |
| Cost of funding earning assets | 0.2755% | 4,541 |
| Net interest margin | 3.4848% | 3,590 |
| Noninterest income to average assets | 0.5817% | 2,352 |
| Noninterest expense to average assets | 2.5628% | 3,450 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0594% | 2,613 |
| Return on assets (ROA) | 1.0594% | 2,622 |
| Pretax return on assets | 1.3580% | 2,157 |
| Return on Equity (ROE) | 11.6244% | 1,716 |
| Retained earnings to average equity (ytd only) | 11.6244% | 760 |
| Net charge-offs to loans | -0.1645% | 5,330 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3638% | 3,269 |
| Assets per employee ($millions) | 6.2593% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,542 |
| Loan loss allowance to noncurrent loans | 153.9924% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 3,699 |
| Noncurrent loans to loans | 0.8089% | 2,194 |
| Net loans and leases to total assets | 35.3754% | 5,228 |
| Net loans and leases to deposits | 39.1313% | 5,286 |
| Net loans and leases to core deposits | 44.4553% | 5,198 |
| Total domestic deposits to total assets | 90.4019% | 501 |
| Equity capital to assets | 9.0668% | 4,492 |
| Core capital (leverage) ratio | 9.3609% | 4,243 |
| Tier 1 risk-based capital ratio | 19.8663% | 1,366 |
| Total risk-based capital ratio | 20.8263% | 1,392 |
| Memoranda: | ||
| Average total assets | $357,576,000 | 1,910 |
| Average earning assets | $342,630,500 | 1,860 |
| Average equity | $32,586,500 | 2,198 |
| Average total loans | $133,704,500 | 2,893 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7297% | 4,266 |
| Cost of funding earning assets | 0.2738% | 4,373 |
| Net interest margin | 3.4558% | 3,667 |
| Noninterest income to average assets | 0.6308% | 2,305 |
| Noninterest expense to average assets | 2.5382% | 3,645 |
| Loan and lease loss provision to assets | 0.0042% | 4,165 |
| Net operating income to assets | 0.7884% | 3,212 |
| Return on assets (ROA) | 0.7884% | 3,252 |
| Pretax return on assets | 1.3969% | 2,001 |
| Return on Equity (ROE) | 8.8659% | 2,374 |
| Retained earnings to average equity (ytd only) | 7.2776% | 990 |
| Net charge-offs to loans | -0.1316% | 5,436 |
| Credit loss provision to net charge-offs | -8.5714% | 4,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4317% | 3,544 |
| Assets per employee ($millions) | 6.5206% | 1,199 |
| Cash dividends to net income (ytd only)* | 17.9147% | 3,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 3,121 |
| Loan loss allowance to noncurrent loans | 28.8852% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 1.5509% | 862 |
| Noncurrent loans to loans | 3.9443% | 242 |
| Net loans and leases to total assets | 38.5664% | 5,193 |
| Net loans and leases to deposits | 42.6497% | 5,276 |
| Net loans and leases to core deposits | 48.6895% | 5,173 |
| Total domestic deposits to total assets | 90.4261% | 417 |
| Equity capital to assets | 9.1610% | 4,566 |
| Core capital (leverage) ratio | 9.0168% | 4,630 |
| Tier 1 risk-based capital ratio | 18.0547% | 1,789 |
| Total risk-based capital ratio | 18.9236% | 1,848 |
| Memoranda: | ||
| Average total assets | $353,993,400 | 1,897 |
| Average earning assets | $338,904,000 | 1,848 |
| Average equity | $31,480,000 | 2,254 |
| Average total loans | $132,992,400 | 2,873 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6876% | 4,357 |
| Cost of funding earning assets | 0.2739% | 4,370 |
| Net interest margin | 3.4137% | 3,801 |
| Noninterest income to average assets | 0.6387% | 2,259 |
| Noninterest expense to average assets | 2.5157% | 3,682 |
| Loan and lease loss provision to assets | 0.0056% | 4,011 |
| Net operating income to assets | 0.8997% | 3,029 |
| Return on assets (ROA) | 0.8997% | 3,083 |
| Pretax return on assets | 1.3846% | 2,160 |
| Return on Equity (ROE) | 10.1939% | 2,039 |
| Retained earnings to average equity (ytd only) | 8.0631% | 1,192 |
| Net charge-offs to loans | -0.1708% | 5,498 |
| Credit loss provision to net charge-offs | -8.8757% | 4,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4068% | 3,463 |
| Assets per employee ($millions) | 6.4374% | 1,219 |
| Cash dividends to net income (ytd only)* | 20.9030% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 3,226 |
| Loan loss allowance to noncurrent loans | 87.3389% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.5004% | 3,069 |
| Noncurrent loans to loans | 1.3101% | 1,461 |
| Net loans and leases to total assets | 36.7069% | 5,322 |
| Net loans and leases to deposits | 40.4309% | 5,413 |
| Net loans and leases to core deposits | 46.0461% | 5,310 |
| Total domestic deposits to total assets | 90.7891% | 233 |
| Equity capital to assets | 8.7473% | 5,120 |
| Core capital (leverage) ratio | 8.8137% | 4,947 |
| Tier 1 risk-based capital ratio | 17.9409% | 1,867 |
| Total risk-based capital ratio | 18.8115% | 1,931 |
| Memoranda: | ||
| Average total assets | $354,463,750 | 1,900 |
| Average earning assets | $339,253,750 | 1,857 |
| Average equity | $31,285,750 | 2,283 |
| Average total loans | $131,900,000 | 2,914 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7461% | 4,090 |
| Cost of funding earning assets | 0.2758% | 4,328 |
| Net interest margin | 3.4703% | 3,506 |
| Noninterest income to average assets | 0.6571% | 2,178 |
| Noninterest expense to average assets | 2.5326% | 3,642 |
| Loan and lease loss provision to assets | 0.0086% | 3,755 |
| Net operating income to assets | 0.9329% | 2,751 |
| Return on assets (ROA) | 0.9329% | 2,812 |
| Pretax return on assets | 1.4347% | 1,878 |
| Return on Equity (ROE) | 10.5367% | 1,816 |
| Retained earnings to average equity (ytd only) | 10.5367% | 503 |
| Net charge-offs to loans | -0.2775% | 5,632 |
| Credit loss provision to net charge-offs | -8.2873% | 4,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6990% | 3,722 |
| Assets per employee ($millions) | 6.1684% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 3,255 |
| Loan loss allowance to noncurrent loans | 97.5776% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 3,256 |
| Noncurrent loans to loans | 1.1876% | 1,642 |
| Net loans and leases to total assets | 37.4519% | 5,320 |
| Net loans and leases to deposits | 41.3049% | 5,412 |
| Net loans and leases to core deposits | 47.1151% | 5,309 |
| Total domestic deposits to total assets | 90.6719% | 306 |
| Equity capital to assets | 8.9111% | 4,976 |
| Core capital (leverage) ratio | 8.7574% | 4,996 |
| Tier 1 risk-based capital ratio | 17.9851% | 1,859 |
| Total risk-based capital ratio | 18.8718% | 1,923 |
| Memoranda: | ||
| Average total assets | $350,307,000 | 1,926 |
| Average earning assets | $335,016,670 | 1,879 |
| Average equity | $31,015,330 | 2,300 |
| Average total loans | $130,450,330 | 2,944 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5137% | 4,655 |
| Cost of funding earning assets | 0.2772% | 4,278 |
| Net interest margin | 3.2364% | 4,222 |
| Noninterest income to average assets | 0.6809% | 2,037 |
| Noninterest expense to average assets | 2.5287% | 3,724 |
| Loan and lease loss provision to assets | 0.0173% | 3,350 |
| Net operating income to assets | 0.8021% | 3,213 |
| Return on assets (ROA) | 0.8021% | 3,271 |
| Pretax return on assets | 1.2338% | 2,462 |
| Return on Equity (ROE) | 9.0902% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.0902% | 1,048 |
| Net charge-offs to loans | -0.0657% | 5,299 |
| Credit loss provision to net charge-offs | -71.4286% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9008% | 3,354 |
| Assets per employee ($millions) | 6.1422% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 3,765 |
| Loan loss allowance to noncurrent loans | 39.8250% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 1.0088% | 1,806 |
| Noncurrent loans to loans | 2.7380% | 537 |
| Net loans and leases to total assets | 35.9267% | 5,402 |
| Net loans and leases to deposits | 39.5859% | 5,482 |
| Net loans and leases to core deposits | 45.0318% | 5,386 |
| Total domestic deposits to total assets | 90.7565% | 376 |
| Equity capital to assets | 8.6874% | 5,078 |
| Core capital (leverage) ratio | 8.7717% | 4,982 |
| Tier 1 risk-based capital ratio | 18.2626% | 1,788 |
| Total risk-based capital ratio | 19.0958% | 1,878 |
| Memoranda: | ||
| Average total assets | $346,576,500 | 1,953 |
| Average earning assets | $331,848,000 | 1,900 |
| Average equity | $30,582,500 | 2,330 |
| Average total loans | $127,894,500 | 2,994 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4850% | 4,819 |
| Cost of funding earning assets | 0.2989% | 4,078 |
| Net interest margin | 3.1861% | 4,484 |
| Noninterest income to average assets | 0.7638% | 1,907 |
| Noninterest expense to average assets | 2.5845% | 3,727 |
| Loan and lease loss provision to assets | 0.0808% | 2,744 |
| Net operating income to assets | 0.7403% | 3,589 |
| Return on assets (ROA) | 0.7403% | 3,703 |
| Pretax return on assets | 1.1389% | 2,938 |
| Return on Equity (ROE) | 8.2394% | 2,813 |
| Retained earnings to average equity (ytd only) | 6.5433% | 1,436 |
| Net charge-offs to loans | 0.1541% | 1,724 |
| Credit loss provision to net charge-offs | 146.4088% | 1,869 |
| Earnings coverage of net charge-offs (x) | 22.1105% | 1,746 |
| Efficiency ratio | 67.9378% | 3,245 |
| Assets per employee ($millions) | 5.9106% | 1,539 |
| Cash dividends to net income (ytd only)* | 20.5846% | 3,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 3,777 |
| Loan loss allowance to noncurrent loans | 38.3222% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 1.0801% | 1,740 |
| Noncurrent loans to loans | 2.8389% | 505 |
| Net loans and leases to total assets | 37.1068% | 5,445 |
| Net loans and leases to deposits | 40.9715% | 5,519 |
| Net loans and leases to core deposits | 47.7546% | 5,378 |
| Total domestic deposits to total assets | 90.5673% | 425 |
| Equity capital to assets | 8.9688% | 4,854 |
| Core capital (leverage) ratio | 8.8782% | 4,881 |
| Tier 1 risk-based capital ratio | 18.2730% | 1,783 |
| Total risk-based capital ratio | 19.1041% | 1,847 |
| Memoranda: | ||
| Average total assets | $328,116,200 | 2,011 |
| Average earning assets | $313,113,000 | 1,959 |
| Average equity | $29,480,400 | 2,400 |
| Average total loans | $117,437,800 | 3,103 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4806% | 4,867 |
| Cost of funding earning assets | 0.3021% | 4,070 |
| Net interest margin | 3.1786% | 4,551 |
| Noninterest income to average assets | 0.7826% | 1,835 |
| Noninterest expense to average assets | 2.5957% | 3,679 |
| Loan and lease loss provision to assets | 0.0920% | 2,388 |
| Net operating income to assets | 0.7315% | 3,688 |
| Return on assets (ROA) | 0.7315% | 3,822 |
| Pretax return on assets | 1.1254% | 3,135 |
| Return on Equity (ROE) | 8.1373% | 2,940 |
| Retained earnings to average equity (ytd only) | 5.8618% | 2,262 |
| Net charge-offs to loans | 0.2222% | 1,055 |
| Credit loss provision to net charge-offs | 117.1875% | 2,135 |
| Earnings coverage of net charge-offs (x) | 15.5002% | 2,178 |
| Efficiency ratio | 68.0721% | 3,212 |
| Assets per employee ($millions) | 5.6375% | 1,725 |
| Cash dividends to net income (ytd only)* | 27.9642% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 3,960 |
| Loan loss allowance to noncurrent loans | 51.6784% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 0.7856% | 2,587 |
| Noncurrent loans to loans | 2.0862% | 923 |
| Net loans and leases to total assets | 36.5236% | 5,529 |
| Net loans and leases to deposits | 40.3709% | 5,624 |
| Net loans and leases to core deposits | 47.1738% | 5,474 |
| Total domestic deposits to total assets | 90.4699% | 331 |
| Equity capital to assets | 8.9724% | 5,204 |
| Core capital (leverage) ratio | 8.8763% | 4,972 |
| Tier 1 risk-based capital ratio | 18.1625% | 1,867 |
| Total risk-based capital ratio | 18.9752% | 1,952 |
| Memoranda: | ||
| Average total assets | $325,919,500 | 2,032 |
| Average earning assets | $310,739,750 | 1,974 |
| Average equity | $29,296,500 | 2,430 |
| Average total loans | $115,200,000 | 3,147 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4543% | 4,973 |
| Cost of funding earning assets | 0.3059% | 4,056 |
| Net interest margin | 3.1484% | 4,697 |
| Noninterest income to average assets | 0.8199% | 1,641 |
| Noninterest expense to average assets | 2.5833% | 3,783 |
| Loan and lease loss provision to assets | 0.1205% | 1,891 |
| Net operating income to assets | 0.7266% | 3,670 |
| Return on assets (ROA) | 0.7266% | 3,822 |
| Pretax return on assets | 1.1177% | 3,128 |
| Return on Equity (ROE) | 8.0785% | 2,945 |
| Retained earnings to average equity (ytd only) | 8.0785% | 1,148 |
| Net charge-offs to loans | 0.2095% | 1,117 |
| Credit loss provision to net charge-offs | 165.2542% | 1,495 |
| Earnings coverage of net charge-offs (x) | 16.9831% | 1,902 |
| Efficiency ratio | 67.5990% | 3,426 |
| Assets per employee ($millions) | 5.7306% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 3,670 |
| Loan loss allowance to noncurrent loans | 116.4255% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3698% | 4,011 |
| Noncurrent loans to loans | 0.9851% | 2,307 |
| Net loans and leases to total assets | 35.4733% | 5,632 |
| Net loans and leases to deposits | 39.1443% | 5,715 |
| Net loans and leases to core deposits | 45.9123% | 5,569 |
| Total domestic deposits to total assets | 90.6218% | 286 |
| Equity capital to assets | 8.9817% | 5,252 |
| Core capital (leverage) ratio | 8.9990% | 4,832 |
| Tier 1 risk-based capital ratio | 18.4754% | 1,805 |
| Total risk-based capital ratio | 19.3328% | 1,879 |
| Memoranda: | ||
| Average total assets | $323,689,330 | 2,052 |
| Average earning assets | $308,597,000 | 1,993 |
| Average equity | $29,114,330 | 2,442 |
| Average total loans | $112,665,000 | 3,194 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4704% | 4,956 |
| Cost of funding earning assets | 0.3112% | 4,047 |
| Net interest margin | 3.1592% | 4,703 |
| Noninterest income to average assets | 0.7666% | 1,747 |
| Noninterest expense to average assets | 2.6229% | 3,682 |
| Loan and lease loss provision to assets | 0.0626% | 2,700 |
| Net operating income to assets | 0.7115% | 3,658 |
| Return on assets (ROA) | 0.7115% | 3,778 |
| Pretax return on assets | 1.0947% | 3,112 |
| Return on Equity (ROE) | 7.9040% | 2,971 |
| Retained earnings to average equity (ytd only) | 7.9040% | 1,500 |
| Net charge-offs to loans | 0.0439% | 2,129 |
| Credit loss provision to net charge-offs | 416.6667% | 688 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 656 |
| Efficiency ratio | 69.3837% | 3,231 |
| Assets per employee ($millions) | 5.8979% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 3,691 |
| Loan loss allowance to noncurrent loans | 107.5243% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 3,425 |
| Noncurrent loans to loans | 1.0823% | 2,232 |
| Net loans and leases to total assets | 34.1729% | 5,709 |
| Net loans and leases to deposits | 37.6430% | 5,790 |
| Net loans and leases to core deposits | 44.1251% | 5,654 |
| Total domestic deposits to total assets | 90.7816% | 335 |
| Equity capital to assets | 8.8139% | 5,331 |
| Core capital (leverage) ratio | 9.0617% | 4,782 |
| Tier 1 risk-based capital ratio | 18.6212% | 1,820 |
| Total risk-based capital ratio | 19.4785% | 1,889 |
| Memoranda: | ||
| Average total assets | $319,345,500 | 2,088 |
| Average earning assets | $304,632,000 | 2,028 |
| Average equity | $28,745,000 | 2,455 |
| Average total loans | $109,361,000 | 3,250 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4294% | 5,100 |
| Cost of funding earning assets | 0.2682% | 4,611 |
| Net interest margin | 3.1613% | 4,749 |
| Noninterest income to average assets | 0.8856% | 1,481 |
| Noninterest expense to average assets | 2.8474% | 3,043 |
| Loan and lease loss provision to assets | 0.0768% | 2,742 |
| Net operating income to assets | 0.5625% | 4,453 |
| Return on assets (ROA) | 0.5700% | 4,509 |
| Pretax return on assets | 0.9687% | 3,583 |
| Return on Equity (ROE) | 6.0721% | 4,004 |
| Retained earnings to average equity (ytd only) | 2.5149% | 4,283 |
| Net charge-offs to loans | -0.1103% | 5,804 |
| Credit loss provision to net charge-offs | -225.4902% | 5,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3632% | 2,679 |
| Assets per employee ($millions) | 5.2272% | 2,088 |
| Cash dividends to net income (ytd only)* | 58.5823% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 3,275 |
| Loan loss allowance to noncurrent loans | 69.5582% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 0.7866% | 2,711 |
| Noncurrent loans to loans | 1.7757% | 1,250 |
| Net loans and leases to total assets | 33.4734% | 5,792 |
| Net loans and leases to deposits | 37.0150% | 5,862 |
| Net loans and leases to core deposits | 43.8251% | 5,723 |
| Total domestic deposits to total assets | 90.4321% | 457 |
| Equity capital to assets | 9.2018% | 4,907 |
| Core capital (leverage) ratio | 8.8615% | 5,049 |
| Tier 1 risk-based capital ratio | 18.6930% | 1,777 |
| Total risk-based capital ratio | 19.5457% | 1,843 |
| Memoranda: | ||
| Average total assets | $299,466,000 | 2,149 |
| Average earning assets | $283,778,400 | 2,112 |
| Average equity | $28,112,200 | 2,446 |
| Average total loans | $92,434,600 | 3,535 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3966% | 5,212 |
| Cost of funding earning assets | 0.2569% | 4,796 |
| Net interest margin | 3.1398% | 4,842 |
| Noninterest income to average assets | 0.8967% | 1,462 |
| Noninterest expense to average assets | 2.8740% | 2,928 |
| Loan and lease loss provision to assets | 0.1032% | 2,138 |
| Net operating income to assets | 0.4993% | 4,790 |
| Return on assets (ROA) | 0.4993% | 4,882 |
| Pretax return on assets | 0.8913% | 4,008 |
| Return on Equity (ROE) | 5.2913% | 4,495 |
| Retained earnings to average equity (ytd only) | 0.5372% | 5,461 |
| Net charge-offs to loans | -0.0626% | 5,620 |
| Credit loss provision to net charge-offs | -547.6190% | 5,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2927% | 2,509 |
| Assets per employee ($millions) | 5.7251% | 1,574 |
| Cash dividends to net income (ytd only)* | 89.8474% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 3,549 |
| Loan loss allowance to noncurrent loans | 59.4973% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 2,809 |
| Noncurrent loans to loans | 2.0483% | 1,121 |
| Net loans and leases to total assets | 31.1218% | 5,942 |
| Net loans and leases to deposits | 34.2772% | 6,013 |
| Net loans and leases to core deposits | 40.2921% | 5,910 |
| Total domestic deposits to total assets | 90.7944% | 306 |
| Equity capital to assets | 8.7755% | 5,509 |
| Core capital (leverage) ratio | 8.8367% | 5,195 |
| Tier 1 risk-based capital ratio | 18.9386% | 1,788 |
| Total risk-based capital ratio | 19.7799% | 1,856 |
| Memoranda: | ||
| Average total assets | $297,231,000 | 2,177 |
| Average earning assets | $281,329,500 | 2,139 |
| Average equity | $28,045,500 | 2,469 |
| Average total loans | $89,412,000 | 3,636 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4104% | 5,208 |
| Cost of funding earning assets | 0.2604% | 4,825 |
| Net interest margin | 3.1499% | 4,827 |
| Noninterest income to average assets | 0.9204% | 1,387 |
| Noninterest expense to average assets | 2.9360% | 2,761 |
| Loan and lease loss provision to assets | 0.1313% | 1,675 |
| Net operating income to assets | 0.4153% | 5,094 |
| Return on assets (ROA) | 0.4153% | 5,196 |
| Pretax return on assets | 0.8285% | 4,211 |
| Return on Equity (ROE) | 4.2905% | 4,904 |
| Retained earnings to average equity (ytd only) | -2.8484% | 5,911 |
| Net charge-offs to loans | -0.0818% | 5,711 |
| Credit loss provision to net charge-offs | -542.8571% | 5,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3636% | 2,481 |
| Assets per employee ($millions) | 5.7301% | 1,542 |
| Cash dividends to net income (ytd only)* | 166.3894% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 3,511 |
| Loan loss allowance to noncurrent loans | 36.3413% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 1.2983% | 1,934 |
| Noncurrent loans to loans | 3.4388% | 519 |
| Net loans and leases to total assets | 32.0145% | 5,979 |
| Net loans and leases to deposits | 35.5516% | 6,045 |
| Net loans and leases to core deposits | 42.3027% | 5,890 |
| Total domestic deposits to total assets | 90.0508% | 645 |
| Equity capital to assets | 9.4489% | 4,716 |
| Core capital (leverage) ratio | 9.2141% | 4,672 |
| Tier 1 risk-based capital ratio | 19.6846% | 1,626 |
| Total risk-based capital ratio | 20.5415% | 1,688 |
| Memoranda: | ||
| Average total assets | $289,438,670 | 2,236 |
| Average earning assets | $273,401,330 | 2,209 |
| Average equity | $28,015,670 | 2,483 |
| Average total loans | $85,546,000 | 3,743 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2559% | 5,546 |
| Cost of funding earning assets | 0.2536% | 4,983 |
| Net interest margin | 3.0023% | 5,209 |
| Noninterest income to average assets | 0.8457% | 1,566 |
| Noninterest expense to average assets | 2.7857% | 3,297 |
| Loan and lease loss provision to assets | 0.2222% | 792 |
| Net operating income to assets | 0.3861% | 5,127 |
| Return on assets (ROA) | 0.3861% | 5,243 |
| Pretax return on assets | 0.6652% | 4,710 |
| Return on Equity (ROE) | 3.9409% | 5,000 |
| Retained earnings to average equity (ytd only) | 3.9409% | 3,630 |
| Net charge-offs to loans | -0.0395% | 5,400 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8412% | 2,542 |
| Assets per employee ($millions) | 5.3769% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 4,023 |
| Loan loss allowance to noncurrent loans | 23.2707% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 1.7954% | 1,368 |
| Noncurrent loans to loans | 5.1269% | 253 |
| Net loans and leases to total assets | 32.1460% | 5,993 |
| Net loans and leases to deposits | 35.7738% | 6,064 |
| Net loans and leases to core deposits | 42.5855% | 5,882 |
| Total domestic deposits to total assets | 89.8591% | 808 |
| Equity capital to assets | 9.7882% | 4,399 |
| Core capital (leverage) ratio | 9.7556% | 3,947 |
| Tier 1 risk-based capital ratio | 20.6048% | 1,505 |
| Total risk-based capital ratio | 21.4380% | 1,545 |
| Memoranda: | ||
| Average total assets | $288,040,000 | 2,263 |
| Average earning assets | $271,262,500 | 2,241 |
| Average equity | $28,217,000 | 2,489 |
| Average total loans | $80,948,000 | 3,864 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2081% | 5,827 |
| Cost of funding earning assets | 0.2524% | 5,297 |
| Net interest margin | 2.9556% | 5,540 |
| Noninterest income to average assets | 0.8766% | 1,580 |
| Noninterest expense to average assets | 2.6551% | 4,025 |
| Loan and lease loss provision to assets | 0.1173% | 2,217 |
| Net operating income to assets | 0.4740% | 4,910 |
| Return on assets (ROA) | 0.4740% | 5,005 |
| Pretax return on assets | 0.9270% | 3,793 |
| Return on Equity (ROE) | 5.0277% | 4,649 |
| Retained earnings to average equity (ytd only) | 3.2244% | 3,939 |
| Net charge-offs to loans | 0.6806% | 547 |
| Credit loss provision to net charge-offs | 71.8750% | 3,026 |
| Earnings coverage of net charge-offs (x) | 6.3979% | 3,208 |
| Efficiency ratio | 71.7713% | 3,242 |
| Assets per employee ($millions) | 5.3911% | 1,869 |
| Cash dividends to net income (ytd only)* | 35.8680% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 2,838 |
| Loan loss allowance to noncurrent loans | 20.7038% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 1.7506% | 1,513 |
| Noncurrent loans to loans | 6.8690% | 147 |
| Net loans and leases to total assets | 23.2646% | 6,328 |
| Net loans and leases to deposits | 25.8895% | 6,350 |
| Net loans and leases to core deposits | 30.5602% | 6,306 |
| Total domestic deposits to total assets | 89.8611% | 791 |
| Equity capital to assets | 9.8044% | 4,349 |
| Core capital (leverage) ratio | 9.1799% | 4,708 |
| Tier 1 risk-based capital ratio | 25.4133% | 802 |
| Total risk-based capital ratio | 26.2964% | 823 |
| Memoranda: | ||
| Average total assets | $294,079,800 | 2,186 |
| Average earning assets | $280,854,000 | 2,115 |
| Average equity | $27,726,200 | 2,427 |
| Average total loans | $70,524,600 | 4,168 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2190% | 5,880 |
| Cost of funding earning assets | 0.2518% | 5,384 |
| Net interest margin | 2.9671% | 5,566 |
| Noninterest income to average assets | 0.8666% | 1,640 |
| Noninterest expense to average assets | 2.6115% | 4,161 |
| Loan and lease loss provision to assets | 0.1328% | 1,886 |
| Net operating income to assets | 0.5308% | 4,756 |
| Return on assets (ROA) | 0.5308% | 4,830 |
| Pretax return on assets | 0.9652% | 3,738 |
| Return on Equity (ROE) | 5.6843% | 4,402 |
| Retained earnings to average equity (ytd only) | 5.6843% | 2,618 |
| Net charge-offs to loans | 0.4582% | 859 |
| Credit loss provision to net charge-offs | 120.4082% | 1,912 |
| Earnings coverage of net charge-offs (x) | 9.9551% | 2,599 |
| Efficiency ratio | 70.4005% | 3,440 |
| Assets per employee ($millions) | 5.9123% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6769% | 2,046 |
| Loan loss allowance to noncurrent loans | 22.3045% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 1.6683% | 1,816 |
| Noncurrent loans to loans | 7.5181% | 142 |
| Net loans and leases to total assets | 21.8181% | 6,424 |
| Net loans and leases to deposits | 24.1303% | 6,447 |
| Net loans and leases to core deposits | 28.0436% | 6,410 |
| Total domestic deposits to total assets | 90.4177% | 560 |
| Equity capital to assets | 9.1978% | 5,149 |
| Core capital (leverage) ratio | 9.4606% | 4,427 |
| Tier 1 risk-based capital ratio | 25.4424% | 838 |
| Total risk-based capital ratio | 26.4863% | 848 |
| Memoranda: | ||
| Average total assets | $296,167,250 | 2,194 |
| Average earning assets | $283,770,000 | 2,116 |
| Average equity | $27,654,250 | 2,444 |
| Average total loans | $71,297,500 | 4,181 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0276% | 6,150 |
| Cost of funding earning assets | 0.2583% | 5,402 |
| Net interest margin | 2.7693% | 5,963 |
| Noninterest income to average assets | 0.8474% | 1,670 |
| Noninterest expense to average assets | 2.6353% | 4,114 |
| Loan and lease loss provision to assets | 0.1163% | 2,098 |
| Net operating income to assets | 0.4111% | 5,176 |
| Return on assets (ROA) | 0.4111% | 5,257 |
| Pretax return on assets | 0.7578% | 4,430 |
| Return on Equity (ROE) | 4.3795% | 4,985 |
| Retained earnings to average equity (ytd only) | 4.3795% | 3,393 |
| Net charge-offs to loans | 0.6858% | 560 |
| Credit loss provision to net charge-offs | 68.5484% | 2,494 |
| Earnings coverage of net charge-offs (x) | 5.1532% | 2,979 |
| Efficiency ratio | 75.0926% | 2,794 |
| Assets per employee ($millions) | 5.6495% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4274% | 3,204 |
| Loan loss allowance to noncurrent loans | 21.2153% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 1.6621% | 1,957 |
| Noncurrent loans to loans | 6.7283% | 190 |
| Net loans and leases to total assets | 24.3511% | 6,444 |
| Net loans and leases to deposits | 27.0981% | 6,473 |
| Net loans and leases to core deposits | 32.3113% | 6,403 |
| Total domestic deposits to total assets | 89.8630% | 873 |
| Equity capital to assets | 9.6772% | 4,518 |
| Core capital (leverage) ratio | 9.4531% | 4,392 |
| Tier 1 risk-based capital ratio | 26.6720% | 723 |
| Total risk-based capital ratio | 27.6646% | 721 |
| Memoranda: | ||
| Average total assets | $292,409,000 | 2,210 |
| Average earning assets | $281,078,670 | 2,133 |
| Average equity | $27,446,330 | 2,445 |
| Average total loans | $72,322,670 | 4,153 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0578% | 6,174 |
| Cost of funding earning assets | 0.2668% | 5,419 |
| Net interest margin | 2.7910% | 5,954 |
| Noninterest income to average assets | 0.8094% | 1,714 |
| Noninterest expense to average assets | 2.6182% | 4,211 |
| Loan and lease loss provision to assets | 0.1901% | 1,249 |
| Net operating income to assets | 0.3721% | 5,221 |
| Return on assets (ROA) | 0.3721% | 5,288 |
| Pretax return on assets | 0.6858% | 4,535 |
| Return on Equity (ROE) | 4.0252% | 5,022 |
| Retained earnings to average equity (ytd only) | 4.0252% | 3,701 |
| Net charge-offs to loans | 1.1962% | 281 |
| Credit loss provision to net charge-offs | 64.2202% | 2,067 |
| Earnings coverage of net charge-offs (x) | 2.9587% | 2,762 |
| Efficiency ratio | 74.9320% | 2,980 |
| Assets per employee ($millions) | 5.6772% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 3,613 |
| Loan loss allowance to noncurrent loans | 22.5778% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 1.5542% | 2,270 |
| Noncurrent loans to loans | 6.1890% | 288 |
| Net loans and leases to total assets | 24.7614% | 6,494 |
| Net loans and leases to deposits | 27.5397% | 6,516 |
| Net loans and leases to core deposits | 33.2957% | 6,426 |
| Total domestic deposits to total assets | 89.9119% | 1,119 |
| Equity capital to assets | 9.4530% | 4,557 |
| Core capital (leverage) ratio | 9.3299% | 4,527 |
| Tier 1 risk-based capital ratio | 25.9860% | 794 |
| Total risk-based capital ratio | 26.9647% | 793 |
| Memoranda: | ||
| Average total assets | $294,552,500 | 2,203 |
| Average earning assets | $283,344,000 | 2,121 |
| Average equity | $27,228,500 | 2,456 |
| Average total loans | $72,895,500 | 4,169 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0858% | 6,260 |
| Cost of funding earning assets | 0.2968% | 5,623 |
| Net interest margin | 2.7889% | 5,998 |
| Noninterest income to average assets | 0.8373% | 1,911 |
| Noninterest expense to average assets | 2.6311% | 4,350 |
| Loan and lease loss provision to assets | 0.0980% | 3,163 |
| Net operating income to assets | 0.4281% | 5,045 |
| Return on assets (ROA) | 0.4281% | 5,157 |
| Pretax return on assets | 0.7895% | 4,186 |
| Return on Equity (ROE) | 4.6261% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.6261% | 2,866 |
| Net charge-offs to loans | 1.2159% | 434 |
| Credit loss provision to net charge-offs | 30.1587% | 4,247 |
| Earnings coverage of net charge-offs (x) | 2.7312% | 4,088 |
| Efficiency ratio | 74.7777% | 2,997 |
| Assets per employee ($millions) | 6.1136% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 3,210 |
| Loan loss allowance to noncurrent loans | 26.2350% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 1.3920% | 2,661 |
| Noncurrent loans to loans | 5.7060% | 381 |
| Net loans and leases to total assets | 24.0304% | 6,605 |
| Net loans and leases to deposits | 26.5123% | 6,634 |
| Net loans and leases to core deposits | 33.1493% | 6,528 |
| Total domestic deposits to total assets | 90.6388% | 734 |
| Equity capital to assets | 9.0421% | 4,981 |
| Core capital (leverage) ratio | 9.0182% | 4,969 |
| Tier 1 risk-based capital ratio | 26.2578% | 753 |
| Total risk-based capital ratio | 27.3336% | 747 |
| Memoranda: | ||
| Average total assets | $290,826,000 | 2,205 |
| Average earning assets | $279,603,800 | 2,120 |
| Average equity | $26,912,400 | 2,462 |
| Average total loans | $77,719,800 | 4,008 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0786% | 6,341 |
| Cost of funding earning assets | 0.3005% | 5,733 |
| Net interest margin | 2.7781% | 6,051 |
| Noninterest income to average assets | 0.8342% | 1,997 |
| Noninterest expense to average assets | 2.6343% | 4,259 |
| Loan and lease loss provision to assets | 0.0831% | 3,404 |
| Net operating income to assets | 0.4264% | 5,130 |
| Return on assets (ROA) | 0.4264% | 5,277 |
| Pretax return on assets | 0.7857% | 4,350 |
| Return on Equity (ROE) | 4.5802% | 4,944 |
| Retained earnings to average equity (ytd only) | 4.5802% | 3,414 |
| Net charge-offs to loans | 1.1376% | 490 |
| Credit loss provision to net charge-offs | 26.7459% | 3,954 |
| Earnings coverage of net charge-offs (x) | 2.7950% | 3,905 |
| Efficiency ratio | 75.1978% | 2,874 |
| Assets per employee ($millions) | 6.3235% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 2,837 |
| Loan loss allowance to noncurrent loans | 24.5474% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 1.6924% | 2,433 |
| Noncurrent loans to loans | 6.6848% | 327 |
| Net loans and leases to total assets | 24.9021% | 6,670 |
| Net loans and leases to deposits | 27.4656% | 6,703 |
| Net loans and leases to core deposits | 34.3909% | 6,600 |
| Total domestic deposits to total assets | 90.6665% | 676 |
| Equity capital to assets | 8.8851% | 5,313 |
| Core capital (leverage) ratio | 8.8633% | 5,301 |
| Tier 1 risk-based capital ratio | 25.1682% | 858 |
| Total risk-based capital ratio | 26.3713% | 854 |
| Memoranda: | ||
| Average total assets | $288,641,000 | 2,227 |
| Average earning assets | $277,303,750 | 2,140 |
| Average equity | $26,868,750 | 2,494 |
| Average total loans | $78,879,500 | 4,009 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0856% | 6,358 |
| Cost of funding earning assets | 0.3066% | 5,777 |
| Net interest margin | 2.7790% | 6,046 |
| Noninterest income to average assets | 0.7932% | 2,213 |
| Noninterest expense to average assets | 2.6861% | 4,084 |
| Loan and lease loss provision to assets | 0.0952% | 3,203 |
| Net operating income to assets | 0.3744% | 5,312 |
| Return on assets (ROA) | 0.3744% | 5,481 |
| Pretax return on assets | 0.6895% | 4,715 |
| Return on Equity (ROE) | 3.9575% | 5,229 |
| Retained earnings to average equity (ytd only) | 3.9575% | 3,773 |
| Net charge-offs to loans | 1.6014% | 318 |
| Credit loss provision to net charge-offs | 21.1931% | 3,710 |
| Earnings coverage of net charge-offs (x) | 1.7473% | 3,951 |
| Efficiency ratio | 77.3918% | 2,560 |
| Assets per employee ($millions) | 6.2377% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6298% | 3,048 |
| Loan loss allowance to noncurrent loans | 22.1868% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 1.9522% | 2,217 |
| Noncurrent loans to loans | 7.3459% | 306 |
| Net loans and leases to total assets | 25.2385% | 6,704 |
| Net loans and leases to deposits | 27.8301% | 6,741 |
| Net loans and leases to core deposits | 35.0186% | 6,623 |
| Total domestic deposits to total assets | 90.6876% | 664 |
| Equity capital to assets | 8.8922% | 5,334 |
| Core capital (leverage) ratio | 9.1239% | 4,796 |
| Tier 1 risk-based capital ratio | 26.0838% | 763 |
| Total risk-based capital ratio | 27.3335% | 747 |
| Memoranda: | ||
| Average total assets | $283,678,330 | 2,264 |
| Average earning assets | $273,332,000 | 2,170 |
| Average equity | $26,835,330 | 2,505 |
| Average total loans | $79,557,330 | 3,993 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1448% | 6,357 |
| Cost of funding earning assets | 0.3241% | 5,769 |
| Net interest margin | 2.8207% | 5,991 |
| Noninterest income to average assets | 0.8382% | 1,969 |
| Noninterest expense to average assets | 2.7163% | 3,995 |
| Loan and lease loss provision to assets | 0.1740% | 2,125 |
| Net operating income to assets | 0.3582% | 5,314 |
| Return on assets (ROA) | 0.3582% | 5,455 |
| Pretax return on assets | 0.6613% | 4,746 |
| Return on Equity (ROE) | 3.6673% | 5,260 |
| Retained earnings to average equity (ytd only) | 3.6673% | 4,037 |
| Net charge-offs to loans | 2.7531% | 141 |
| Credit loss provision to net charge-offs | 21.5440% | 3,014 |
| Earnings coverage of net charge-offs (x) | 1.0341% | 3,496 |
| Efficiency ratio | 76.4802% | 2,848 |
| Assets per employee ($millions) | 5.6893% | 1,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6540% | 3,184 |
| Loan loss allowance to noncurrent loans | 22.9803% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 2.1788% | 2,146 |
| Noncurrent loans to loans | 7.1973% | 396 |
| Net loans and leases to total assets | 28.0905% | 6,662 |
| Net loans and leases to deposits | 31.2121% | 6,710 |
| Net loans and leases to core deposits | 40.1106% | 6,477 |
| Total domestic deposits to total assets | 89.9985% | 1,055 |
| Equity capital to assets | 9.6751% | 4,597 |
| Core capital (leverage) ratio | 9.2729% | 4,450 |
| Tier 1 risk-based capital ratio | 26.0281% | 778 |
| Total risk-based capital ratio | 27.2788% | 768 |
| Memoranda: | ||
| Average total assets | $275,813,500 | 2,337 |
| Average earning assets | $265,324,500 | 2,252 |
| Average equity | $26,941,000 | 2,532 |
| Average total loans | $80,927,000 | 3,991 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6767% | 6,089 |
| Cost of funding earning assets | 0.3241% | 6,340 |
| Net interest margin | 3.3527% | 5,060 |
| Noninterest income to average assets | 0.8994% | 1,853 |
| Noninterest expense to average assets | 3.0315% | 3,158 |
| Loan and lease loss provision to assets | 0.1381% | 3,886 |
| Net operating income to assets | 0.5127% | 4,631 |
| Return on assets (ROA) | 0.5127% | 4,901 |
| Pretax return on assets | 0.9453% | 3,765 |
| Return on Equity (ROE) | 4.8971% | 4,724 |
| Retained earnings to average equity (ytd only) | 1.1815% | 5,280 |
| Net charge-offs to loans | -0.0674% | 6,762 |
| Credit loss provision to net charge-offs | -633.9286% | 6,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6718% | 3,119 |
| Assets per employee ($millions) | 5.5683% | 1,625 |
| Cash dividends to net income (ytd only)* | 75.8725% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1331% | 1,680 |
| Loan loss allowance to noncurrent loans | 27.4448% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 2.4680% | 1,983 |
| Noncurrent loans to loans | 7.7724% | 384 |
| Net loans and leases to total assets | 29.4936% | 6,712 |
| Net loans and leases to deposits | 32.8728% | 6,763 |
| Net loans and leases to core deposits | 42.1835% | 6,536 |
| Total domestic deposits to total assets | 89.7203% | 1,112 |
| Equity capital to assets | 9.8626% | 4,362 |
| Core capital (leverage) ratio | 9.6465% | 3,898 |
| Tier 1 risk-based capital ratio | 26.0279% | 770 |
| Total risk-based capital ratio | 27.2845% | 759 |
| Memoranda: | ||
| Average total assets | $257,065,600 | 2,468 |
| Average earning assets | $246,551,000 | 2,355 |
| Average equity | $26,913,800 | 2,490 |
| Average total loans | $83,070,400 | 3,939 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8051% | 6,011 |
| Cost of funding earning assets | 0.3354% | 6,439 |
| Net interest margin | 3.4696% | 4,760 |
| Noninterest income to average assets | 0.9323% | 1,727 |
| Noninterest expense to average assets | 3.0367% | 3,105 |
| Loan and lease loss provision to assets | 0.1475% | 3,693 |
| Net operating income to assets | 0.5842% | 4,461 |
| Return on assets (ROA) | 0.5842% | 4,737 |
| Pretax return on assets | 1.0772% | 3,435 |
| Return on Equity (ROE) | 5.4938% | 4,603 |
| Retained earnings to average equity (ytd only) | 3.0169% | 4,743 |
| Net charge-offs to loans | -0.0704% | 6,784 |
| Credit loss provision to net charge-offs | -636.3636% | 6,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2608% | 3,456 |
| Assets per employee ($millions) | 5.4606% | 1,672 |
| Cash dividends to net income (ytd only)* | 45.0857% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0300% | 2,082 |
| Loan loss allowance to noncurrent loans | 27.3727% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 2.4562% | 2,157 |
| Noncurrent loans to loans | 7.4162% | 463 |
| Net loans and leases to total assets | 30.6935% | 6,788 |
| Net loans and leases to deposits | 34.4237% | 6,852 |
| Net loans and leases to core deposits | 42.8022% | 6,639 |
| Total domestic deposits to total assets | 89.1638% | 1,330 |
| Equity capital to assets | 10.4219% | 3,934 |
| Core capital (leverage) ratio | 9.9437% | 3,624 |
| Tier 1 risk-based capital ratio | 26.4964% | 783 |
| Total risk-based capital ratio | 27.7519% | 767 |
| Memoranda: | ||
| Average total assets | $253,119,750 | 2,523 |
| Average earning assets | $242,862,750 | 2,421 |
| Average equity | $26,914,750 | 2,508 |
| Average total loans | $83,281,250 | 3,977 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8893% | 5,941 |
| Cost of funding earning assets | 0.3411% | 6,552 |
| Net interest margin | 3.5482% | 4,474 |
| Noninterest income to average assets | 0.9571% | 1,589 |
| Noninterest expense to average assets | 3.1041% | 2,918 |
| Loan and lease loss provision to assets | 0.1919% | 3,172 |
| Net operating income to assets | 0.5765% | 4,462 |
| Return on assets (ROA) | 0.5765% | 4,735 |
| Pretax return on assets | 1.0627% | 3,453 |
| Return on Equity (ROE) | 5.3845% | 4,633 |
| Retained earnings to average equity (ytd only) | 1.6504% | 5,377 |
| Net charge-offs to loans | 0.0024% | 5,484 |
| Credit loss provision to net charge-offs | 24,000.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 1,569.0000% | 16 |
| Efficiency ratio | 71.2163% | 3,564 |
| Assets per employee ($millions) | 5.2043% | 1,922 |
| Cash dividends to net income (ytd only)* | 69.3481% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8381% | 2,738 |
| Loan loss allowance to noncurrent loans | 25.4259% | 6,340 |
| Noncurrent assets plus other real estate owned to assets | 2.5763% | 2,163 |
| Noncurrent loans to loans | 7.2291% | 525 |
| Net loans and leases to total assets | 33.1306% | 6,763 |
| Net loans and leases to deposits | 37.1983% | 6,834 |
| Net loans and leases to core deposits | 46.6148% | 6,540 |
| Total domestic deposits to total assets | 89.0648% | 1,468 |
| Equity capital to assets | 10.4854% | 3,707 |
| Core capital (leverage) ratio | 9.9726% | 3,457 |
| Tier 1 risk-based capital ratio | 25.0635% | 896 |
| Total risk-based capital ratio | 26.3178% | 880 |
| Memoranda: | ||
| Average total assets | $250,122,670 | 2,549 |
| Average earning assets | $239,783,330 | 2,436 |
| Average equity | $26,780,670 | 2,504 |
| Average total loans | $83,669,000 | 3,991 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9137% | 5,988 |
| Cost of funding earning assets | 0.3616% | 6,592 |
| Net interest margin | 3.5521% | 4,479 |
| Noninterest income to average assets | 0.9625% | 1,528 |
| Noninterest expense to average assets | 3.1525% | 2,752 |
| Loan and lease loss provision to assets | 0.2826% | 2,209 |
| Net operating income to assets | 0.5087% | 4,791 |
| Return on assets (ROA) | 0.5087% | 5,003 |
| Pretax return on assets | 0.9383% | 3,905 |
| Return on Equity (ROE) | 4.7012% | 4,935 |
| Retained earnings to average equity (ytd only) | 4.7012% | 3,745 |
| Net charge-offs to loans | 0.3686% | 2,205 |
| Credit loss provision to net charge-offs | 230.2632% | 1,219 |
| Earnings coverage of net charge-offs (x) | 9.9474% | 1,796 |
| Efficiency ratio | 72.0827% | 3,426 |
| Assets per employee ($millions) | 5.0338% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7395% | 3,194 |
| Loan loss allowance to noncurrent loans | 20.1340% | 6,559 |
| Noncurrent assets plus other real estate owned to assets | 2.9516% | 1,961 |
| Noncurrent loans to loans | 8.6394% | 413 |
| Net loans and leases to total assets | 32.3638% | 6,809 |
| Net loans and leases to deposits | 36.4021% | 6,876 |
| Net loans and leases to core deposits | 46.0430% | 6,567 |
| Total domestic deposits to total assets | 88.9063% | 1,759 |
| Equity capital to assets | 10.6928% | 3,278 |
| Core capital (leverage) ratio | 10.4408% | 2,823 |
| Tier 1 risk-based capital ratio | 25.9693% | 806 |
| Total risk-based capital ratio | 27.2223% | 789 |
| Memoranda: | ||
| Average total assets | $247,678,000 | 2,583 |
| Average earning assets | $237,832,500 | 2,469 |
| Average equity | $26,801,500 | 2,491 |
| Average total loans | $82,469,000 | 4,052 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1241% | 6,231 |
| Cost of funding earning assets | 0.3699% | 6,964 |
| Net interest margin | 3.7541% | 4,059 |
| Noninterest income to average assets | 0.9713% | 1,445 |
| Noninterest expense to average assets | 3.1510% | 3,022 |
| Loan and lease loss provision to assets | 0.2449% | 3,762 |
| Net operating income to assets | 0.6482% | 3,745 |
| Return on assets (ROA) | 0.6482% | 3,940 |
| Pretax return on assets | 1.1800% | 2,525 |
| Return on Equity (ROE) | 5.9690% | 3,886 |
| Retained earnings to average equity (ytd only) | 4.0741% | 3,292 |
| Net charge-offs to loans | 0.6470% | 2,531 |
| Credit loss provision to net charge-offs | 112.4764% | 2,937 |
| Earnings coverage of net charge-offs (x) | 6.5444% | 2,496 |
| Efficiency ratio | 68.8613% | 4,179 |
| Assets per employee ($millions) | 4.6858% | 2,624 |
| Cash dividends to net income (ytd only)* | 31.7460% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6370% | 3,431 |
| Loan loss allowance to noncurrent loans | 12.3619% | 6,788 |
| Noncurrent assets plus other real estate owned to assets | 4.5682% | 1,196 |
| Noncurrent loans to loans | 13.2425% | 166 |
| Net loans and leases to total assets | 33.1177% | 6,903 |
| Net loans and leases to deposits | 37.4093% | 6,966 |
| Net loans and leases to core deposits | 48.0788% | 6,640 |
| Total domestic deposits to total assets | 88.5281% | 1,839 |
| Equity capital to assets | 10.9536% | 3,023 |
| Core capital (leverage) ratio | 10.2999% | 2,973 |
| Tier 1 risk-based capital ratio | 26.6479% | 730 |
| Total risk-based capital ratio | 27.8999% | 713 |
| Memoranda: | ||
| Average total assets | $242,967,800 | 2,600 |
| Average earning assets | $233,289,800 | 2,468 |
| Average equity | $26,386,400 | 2,447 |
| Average total loans | $81,758,800 | 4,090 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 6,112 |
| Cost of funding earning assets | 0.3752% | 7,072 |
| Net interest margin | 3.8638% | 3,553 |
| Noninterest income to average assets | 0.9550% | 1,470 |
| Noninterest expense to average assets | 3.1856% | 2,866 |
| Loan and lease loss provision to assets | 0.0796% | 5,449 |
| Net operating income to assets | 0.7595% | 3,345 |
| Return on assets (ROA) | 0.7595% | 3,506 |
| Pretax return on assets | 1.3998% | 1,946 |
| Return on Equity (ROE) | 7.0084% | 3,525 |
| Retained earnings to average equity (ytd only) | 7.0084% | 1,965 |
| Net charge-offs to loans | 0.1779% | 4,380 |
| Credit loss provision to net charge-offs | 133.0275% | 2,393 |
| Earnings coverage of net charge-offs (x) | 24.7155% | 1,070 |
| Efficiency ratio | 68.2872% | 4,264 |
| Assets per employee ($millions) | 4.7656% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5969% | 3,684 |
| Loan loss allowance to noncurrent loans | 15.4343% | 6,811 |
| Noncurrent assets plus other real estate owned to assets | 3.4329% | 1,838 |
| Noncurrent loans to loans | 10.3465% | 336 |
| Net loans and leases to total assets | 32.6493% | 7,006 |
| Net loans and leases to deposits | 36.9803% | 7,060 |
| Net loans and leases to core deposits | 47.1217% | 6,798 |
| Total domestic deposits to total assets | 88.2886% | 1,881 |
| Equity capital to assets | 11.0480% | 3,093 |
| Core capital (leverage) ratio | 10.4476% | 2,933 |
| Tier 1 risk-based capital ratio | 27.1249% | 723 |
| Total risk-based capital ratio | 28.3765% | 715 |
| Memoranda: | ||
| Average total assets | $242,793,750 | 2,611 |
| Average earning assets | $233,132,000 | 2,478 |
| Average equity | $26,310,500 | 2,453 |
| Average total loans | $81,688,750 | 4,127 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2412% | 6,188 |
| Cost of funding earning assets | 0.3856% | 7,164 |
| Net interest margin | 3.8556% | 3,509 |
| Noninterest income to average assets | 0.9622% | 1,424 |
| Noninterest expense to average assets | 3.1934% | 2,925 |
| Loan and lease loss provision to assets | 0.0456% | 5,738 |
| Net operating income to assets | 0.7714% | 3,194 |
| Return on assets (ROA) | 0.7714% | 3,329 |
| Pretax return on assets | 1.4217% | 1,749 |
| Return on Equity (ROE) | 7.1663% | 3,368 |
| Retained earnings to average equity (ytd only) | 7.1663% | 1,802 |
| Net charge-offs to loans | 0.3411% | 3,199 |
| Credit loss provision to net charge-offs | 39.5683% | 4,827 |
| Earnings coverage of net charge-offs (x) | 12.7266% | 1,603 |
| Efficiency ratio | 68.5175% | 4,419 |
| Assets per employee ($millions) | 4.6610% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 4,401 |
| Loan loss allowance to noncurrent loans | 17.3603% | 6,796 |
| Noncurrent assets plus other real estate owned to assets | 2.7818% | 2,405 |
| Noncurrent loans to loans | 8.2906% | 529 |
| Net loans and leases to total assets | 33.0709% | 7,073 |
| Net loans and leases to deposits | 37.3461% | 7,140 |
| Net loans and leases to core deposits | 47.2264% | 6,889 |
| Total domestic deposits to total assets | 88.5525% | 1,820 |
| Equity capital to assets | 10.7977% | 3,176 |
| Core capital (leverage) ratio | 10.3378% | 2,894 |
| Tier 1 risk-based capital ratio | 25.6381% | 836 |
| Total risk-based capital ratio | 26.8619% | 824 |
| Memoranda: | ||
| Average total assets | $241,122,000 | 2,649 |
| Average earning assets | $231,301,670 | 2,513 |
| Average equity | $25,954,670 | 2,469 |
| Average total loans | $81,511,330 | 4,164 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3892% | 5,731 |
| Cost of funding earning assets | 0.3985% | 7,227 |
| Net interest margin | 3.9906% | 2,723 |
| Noninterest income to average assets | 0.9472% | 1,484 |
| Noninterest expense to average assets | 3.2750% | 2,638 |
| Loan and lease loss provision to assets | 0.0504% | 5,368 |
| Net operating income to assets | 0.7894% | 3,086 |
| Return on assets (ROA) | 0.7894% | 3,154 |
| Pretax return on assets | 1.4561% | 1,579 |
| Return on Equity (ROE) | 7.3452% | 3,224 |
| Retained earnings to average equity (ytd only) | 7.3452% | 2,005 |
| Net charge-offs to loans | 0.0247% | 4,741 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 179.4000% | 176 |
| Efficiency ratio | 68.4932% | 4,565 |
| Assets per employee ($millions) | 4.4376% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6273% | 3,621 |
| Loan loss allowance to noncurrent loans | 29.9931% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 1.8116% | 3,553 |
| Noncurrent loans to loans | 5.4256% | 1,208 |
| Net loans and leases to total assets | 32.8458% | 7,133 |
| Net loans and leases to deposits | 37.0420% | 7,194 |
| Net loans and leases to core deposits | 47.6472% | 6,894 |
| Total domestic deposits to total assets | 88.6717% | 1,976 |
| Equity capital to assets | 10.7203% | 2,963 |
| Core capital (leverage) ratio | 10.3899% | 2,714 |
| Tier 1 risk-based capital ratio | 26.0699% | 780 |
| Total risk-based capital ratio | 27.3217% | 761 |
| Memoranda: | ||
| Average total assets | $238,166,500 | 2,693 |
| Average earning assets | $228,836,500 | 2,555 |
| Average equity | $25,595,000 | 2,484 |
| Average total loans | $80,822,500 | 4,224 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4607% | 6,491 |
| Cost of funding earning assets | 0.4420% | 7,384 |
| Net interest margin | 4.0187% | 2,932 |
| Noninterest income to average assets | 0.9707% | 1,605 |
| Noninterest expense to average assets | 3.2328% | 2,968 |
| Loan and lease loss provision to assets | 0.0576% | 6,561 |
| Net operating income to assets | 0.8209% | 2,707 |
| Return on assets (ROA) | 0.8209% | 2,847 |
| Pretax return on assets | 1.5133% | 1,337 |
| Return on Equity (ROE) | 7.9183% | 2,730 |
| Retained earnings to average equity (ytd only) | 6.3299% | 1,650 |
| Net charge-offs to loans | -0.0936% | 7,497 |
| Credit loss provision to net charge-offs | -189.1892% | 7,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2980% | 4,705 |
| Assets per employee ($millions) | 4.3834% | 3,064 |
| Cash dividends to net income (ytd only)* | 20.0602% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 3,721 |
| Loan loss allowance to noncurrent loans | 20.0220% | 6,810 |
| Noncurrent assets plus other real estate owned to assets | 2.6945% | 2,587 |
| Noncurrent loans to loans | 7.8128% | 672 |
| Net loans and leases to total assets | 33.9487% | 7,228 |
| Net loans and leases to deposits | 38.3565% | 7,297 |
| Net loans and leases to core deposits | 49.3657% | 7,006 |
| Total domestic deposits to total assets | 88.5084% | 1,942 |
| Equity capital to assets | 10.7734% | 2,880 |
| Core capital (leverage) ratio | 9.9593% | 3,137 |
| Tier 1 risk-based capital ratio | 24.6322% | 880 |
| Total risk-based capital ratio | 25.8832% | 864 |
| Memoranda: | ||
| Average total assets | $242,915,600 | 2,610 |
| Average earning assets | $231,690,200 | 2,508 |
| Average equity | $25,182,200 | 2,533 |
| Average total loans | $79,020,000 | 4,367 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4710% | 6,667 |
| Cost of funding earning assets | 0.4535% | 7,514 |
| Net interest margin | 4.0176% | 3,019 |
| Noninterest income to average assets | 0.9648% | 1,568 |
| Noninterest expense to average assets | 3.2238% | 2,840 |
| Loan and lease loss provision to assets | 0.0682% | 6,391 |
| Net operating income to assets | 0.8110% | 2,955 |
| Return on assets (ROA) | 0.8110% | 3,104 |
| Pretax return on assets | 1.4949% | 1,635 |
| Return on Equity (ROE) | 7.8981% | 2,956 |
| Retained earnings to average equity (ytd only) | 7.8981% | 1,453 |
| Net charge-offs to loans | -0.0987% | 7,550 |
| Credit loss provision to net charge-offs | -215.5172% | 6,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3465% | 4,599 |
| Assets per employee ($millions) | 4.5144% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 3,633 |
| Loan loss allowance to noncurrent loans | 19.2849% | 6,933 |
| Noncurrent assets plus other real estate owned to assets | 2.6504% | 2,732 |
| Noncurrent loans to loans | 8.1714% | 621 |
| Net loans and leases to total assets | 31.9236% | 7,411 |
| Net loans and leases to deposits | 36.1364% | 7,469 |
| Net loans and leases to core deposits | 46.8099% | 7,241 |
| Total domestic deposits to total assets | 88.3418% | 1,766 |
| Equity capital to assets | 10.7029% | 3,286 |
| Core capital (leverage) ratio | 9.8279% | 3,456 |
| Tier 1 risk-based capital ratio | 25.2023% | 848 |
| Total risk-based capital ratio | 26.4532% | 827 |
| Memoranda: | ||
| Average total assets | $244,468,500 | 2,642 |
| Average earning assets | $232,573,750 | 2,536 |
| Average equity | $25,102,500 | 2,577 |
| Average total loans | $78,366,250 | 4,450 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4636% | 6,774 |
| Cost of funding earning assets | 0.4655% | 7,587 |
| Net interest margin | 3.9981% | 3,020 |
| Noninterest income to average assets | 0.9563% | 1,496 |
| Noninterest expense to average assets | 3.2244% | 2,818 |
| Loan and lease loss provision to assets | 0.0899% | 6,027 |
| Net operating income to assets | 0.7773% | 3,077 |
| Return on assets (ROA) | 0.7773% | 3,222 |
| Pretax return on assets | 1.4328% | 1,744 |
| Return on Equity (ROE) | 7.6777% | 3,027 |
| Retained earnings to average equity (ytd only) | 7.6777% | 1,562 |
| Net charge-offs to loans | -0.1050% | 7,560 |
| Credit loss provision to net charge-offs | -268.2927% | 6,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9236% | 4,598 |
| Assets per employee ($millions) | 4.6472% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 3,590 |
| Loan loss allowance to noncurrent loans | 19.9934% | 6,940 |
| Noncurrent assets plus other real estate owned to assets | 2.3756% | 3,036 |
| Noncurrent loans to loans | 7.8434% | 667 |
| Net loans and leases to total assets | 29.8131% | 7,544 |
| Net loans and leases to deposits | 33.3982% | 7,590 |
| Net loans and leases to core deposits | 42.4126% | 7,444 |
| Total domestic deposits to total assets | 89.2655% | 1,302 |
| Equity capital to assets | 9.9571% | 4,067 |
| Core capital (leverage) ratio | 9.6912% | 3,548 |
| Tier 1 risk-based capital ratio | 23.7027% | 972 |
| Total risk-based capital ratio | 24.9314% | 958 |
| Memoranda: | ||
| Average total assets | $244,699,330 | 2,658 |
| Average earning assets | $232,011,000 | 2,567 |
| Average equity | $24,773,000 | 2,613 |
| Average total loans | $78,132,330 | 4,501 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5233% | 6,744 |
| Cost of funding earning assets | 0.4824% | 7,700 |
| Net interest margin | 4.0408% | 2,693 |
| Noninterest income to average assets | 0.9747% | 1,379 |
| Noninterest expense to average assets | 3.2501% | 2,699 |
| Loan and lease loss provision to assets | 0.1505% | 5,038 |
| Net operating income to assets | 0.7657% | 3,130 |
| Return on assets (ROA) | 0.7657% | 3,245 |
| Pretax return on assets | 1.4111% | 1,741 |
| Return on Equity (ROE) | 7.4976% | 3,117 |
| Retained earnings to average equity (ytd only) | 7.4976% | 1,926 |
| Net charge-offs to loans | -0.0459% | 7,323 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5469% | 4,812 |
| Assets per employee ($millions) | 4.4519% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4882% | 3,969 |
| Loan loss allowance to noncurrent loans | 16.8822% | 7,157 |
| Noncurrent assets plus other real estate owned to assets | 2.8631% | 2,522 |
| Noncurrent loans to loans | 8.8153% | 568 |
| Net loans and leases to total assets | 31.9954% | 7,565 |
| Net loans and leases to deposits | 35.9938% | 7,621 |
| Net loans and leases to core deposits | 46.3769% | 7,420 |
| Total domestic deposits to total assets | 88.8916% | 1,574 |
| Equity capital to assets | 10.3056% | 3,467 |
| Core capital (leverage) ratio | 9.7121% | 3,502 |
| Tier 1 risk-based capital ratio | 22.7362% | 1,112 |
| Total risk-based capital ratio | 23.8885% | 1,101 |
| Memoranda: | ||
| Average total assets | $239,251,000 | 2,773 |
| Average earning assets | $227,180,500 | 2,663 |
| Average equity | $24,434,500 | 2,674 |
| Average total loans | $78,491,000 | 4,562 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9863% | 6,481 |
| Cost of funding earning assets | 0.6350% | 7,749 |
| Net interest margin | 4.3513% | 1,568 |
| Noninterest income to average assets | 0.9983% | 1,580 |
| Noninterest expense to average assets | 3.3882% | 2,723 |
| Loan and lease loss provision to assets | 0.2475% | 5,411 |
| Net operating income to assets | 0.8312% | 2,411 |
| Return on assets (ROA) | 0.8312% | 2,496 |
| Pretax return on assets | 1.5113% | 1,161 |
| Return on Equity (ROE) | 7.8949% | 2,413 |
| Retained earnings to average equity (ytd only) | 1.5991% | 3,960 |
| Net charge-offs to loans | 0.6808% | 3,149 |
| Credit loss provision to net charge-offs | 115.4639% | 4,721 |
| Earnings coverage of net charge-offs (x) | 8.2062% | 1,977 |
| Efficiency ratio | 65.8281% | 5,426 |
| Assets per employee ($millions) | 4.4924% | 2,942 |
| Cash dividends to net income (ytd only)* | 79.7448% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 4,497 |
| Loan loss allowance to noncurrent loans | 62.6400% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 0.7127% | 5,684 |
| Noncurrent loans to loans | 2.1508% | 3,452 |
| Net loans and leases to total assets | 32.6919% | 7,638 |
| Net loans and leases to deposits | 36.6201% | 7,711 |
| Net loans and leases to core deposits | 49.1312% | 7,605 |
| Total domestic deposits to total assets | 89.2729% | 1,341 |
| Equity capital to assets | 10.1193% | 3,599 |
| Core capital (leverage) ratio | 9.5057% | 3,711 |
| Tier 1 risk-based capital ratio | 21.9429% | 1,161 |
| Total risk-based capital ratio | 22.9811% | 1,162 |
| Memoranda: | ||
| Average total assets | $226,288,200 | 2,867 |
| Average earning assets | $215,752,000 | 2,760 |
| Average equity | $23,825,400 | 2,750 |
| Average total loans | $71,242,400 | 4,824 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0442% | 6,465 |
| Cost of funding earning assets | 0.6647% | 7,843 |
| Net interest margin | 4.3795% | 1,494 |
| Noninterest income to average assets | 1.0185% | 1,535 |
| Noninterest expense to average assets | 3.4309% | 2,475 |
| Loan and lease loss provision to assets | 0.2686% | 4,815 |
| Net operating income to assets | 0.8077% | 2,782 |
| Return on assets (ROA) | 0.8077% | 2,848 |
| Pretax return on assets | 1.5002% | 1,418 |
| Return on Equity (ROE) | 7.5929% | 2,821 |
| Retained earnings to average equity (ytd only) | 4.7870% | 2,614 |
| Net charge-offs to loans | 0.7962% | 2,373 |
| Credit loss provision to net charge-offs | 108.6957% | 4,675 |
| Earnings coverage of net charge-offs (x) | 7.1570% | 2,461 |
| Efficiency ratio | 65.9816% | 5,365 |
| Assets per employee ($millions) | 4.2743% | 3,248 |
| Cash dividends to net income (ytd only)* | 36.9550% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 3,908 |
| Loan loss allowance to noncurrent loans | 58.3144% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 0.7608% | 5,603 |
| Noncurrent loans to loans | 2.4097% | 3,127 |
| Net loans and leases to total assets | 31.1288% | 7,779 |
| Net loans and leases to deposits | 35.2545% | 7,840 |
| Net loans and leases to core deposits | 47.9064% | 7,732 |
| Total domestic deposits to total assets | 88.2974% | 1,518 |
| Equity capital to assets | 10.8084% | 3,202 |
| Core capital (leverage) ratio | 9.8772% | 3,428 |
| Tier 1 risk-based capital ratio | 23.8909% | 1,010 |
| Total risk-based capital ratio | 24.9573% | 1,009 |
| Memoranda: | ||
| Average total assets | $223,335,500 | 2,913 |
| Average earning assets | $213,230,000 | 2,809 |
| Average equity | $23,758,250 | 2,782 |
| Average total loans | $69,327,500 | 4,936 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1445% | 6,273 |
| Cost of funding earning assets | 0.7092% | 7,915 |
| Net interest margin | 4.4354% | 1,322 |
| Noninterest income to average assets | 1.0387% | 1,470 |
| Noninterest expense to average assets | 3.4731% | 2,420 |
| Loan and lease loss provision to assets | 0.3396% | 3,899 |
| Net operating income to assets | 0.7843% | 2,915 |
| Return on assets (ROA) | 0.7843% | 3,006 |
| Pretax return on assets | 1.4571% | 1,570 |
| Return on Equity (ROE) | 7.4137% | 3,024 |
| Retained earnings to average equity (ytd only) | 3.1333% | 3,571 |
| Net charge-offs to loans | 1.2767% | 1,451 |
| Credit loss provision to net charge-offs | 86.2069% | 5,024 |
| Earnings coverage of net charge-offs (x) | 4.5609% | 3,067 |
| Efficiency ratio | 65.9048% | 5,562 |
| Assets per employee ($millions) | 4.2708% | 3,165 |
| Cash dividends to net income (ytd only)* | 57.7367% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 4,054 |
| Loan loss allowance to noncurrent loans | 46.2612% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 0.8862% | 5,217 |
| Noncurrent loans to loans | 2.8913% | 2,495 |
| Net loans and leases to total assets | 30.2414% | 7,880 |
| Net loans and leases to deposits | 34.0842% | 7,937 |
| Net loans and leases to core deposits | 45.9181% | 7,834 |
| Total domestic deposits to total assets | 88.7255% | 1,416 |
| Equity capital to assets | 10.5791% | 3,311 |
| Core capital (leverage) ratio | 10.1290% | 3,160 |
| Tier 1 risk-based capital ratio | 24.0873% | 1,025 |
| Total risk-based capital ratio | 25.0829% | 1,033 |
| Memoranda: | ||
| Average total assets | $220,843,330 | 2,964 |
| Average earning assets | $210,670,670 | 2,859 |
| Average equity | $23,362,000 | 2,829 |
| Average total loans | $68,145,670 | 5,026 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2745% | 6,009 |
| Cost of funding earning assets | 0.7927% | 7,916 |
| Net interest margin | 4.4818% | 1,166 |
| Noninterest income to average assets | 1.0509% | 1,344 |
| Noninterest expense to average assets | 3.4995% | 2,099 |
| Loan and lease loss provision to assets | 0.5044% | 2,453 |
| Net operating income to assets | 0.7153% | 3,475 |
| Return on assets (ROA) | 0.7153% | 3,675 |
| Pretax return on assets | 1.3297% | 2,182 |
| Return on Equity (ROE) | 6.7620% | 3,692 |
| Retained earnings to average equity (ytd only) | -1.9072% | 6,081 |
| Net charge-offs to loans | 1.9903% | 724 |
| Credit loss provision to net charge-offs | 81.8452% | 4,165 |
| Earnings coverage of net charge-offs (x) | 2.9762% | 3,314 |
| Efficiency ratio | 65.6121% | 5,402 |
| Assets per employee ($millions) | 4.1296% | 3,403 |
| Cash dividends to net income (ytd only)* | 128.2051% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 3,810 |
| Loan loss allowance to noncurrent loans | 56.0121% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 0.7422% | 5,303 |
| Noncurrent loans to loans | 2.4069% | 2,741 |
| Net loans and leases to total assets | 30.4197% | 7,910 |
| Net loans and leases to deposits | 34.2693% | 7,979 |
| Net loans and leases to core deposits | 47.0214% | 7,848 |
| Total domestic deposits to total assets | 88.7667% | 1,352 |
| Equity capital to assets | 10.5230% | 3,437 |
| Core capital (leverage) ratio | 10.2916% | 3,113 |
| Tier 1 risk-based capital ratio | 23.8259% | 1,102 |
| Total risk-based capital ratio | 24.8309% | 1,107 |
| Memoranda: | ||
| Average total assets | $218,089,000 | 3,008 |
| Average earning assets | $208,400,000 | 2,905 |
| Average equity | $23,070,000 | 2,875 |
| Average total loans | $67,528,500 | 5,071 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6594% | 6,904 |
| Cost of funding earning assets | 1.0968% | 8,010 |
| Net interest margin | 4.5626% | 1,280 |
| Noninterest income to average assets | 1.0861% | 1,336 |
| Noninterest expense to average assets | 3.4236% | 2,597 |
| Loan and lease loss provision to assets | 0.1363% | 5,619 |
| Net operating income to assets | 0.9732% | 2,678 |
| Return on assets (ROA) | 0.9732% | 2,557 |
| Pretax return on assets | 1.7833% | 981 |
| Return on Equity (ROE) | 9.1821% | 2,577 |
| Retained earnings to average equity (ytd only) | -3.3119% | 6,179 |
| Net charge-offs to loans | 0.3520% | 3,070 |
| Credit loss provision to net charge-offs | 127.2321% | 4,193 |
| Earnings coverage of net charge-offs (x) | 17.9196% | 1,736 |
| Efficiency ratio | 64.0741% | 5,539 |
| Assets per employee ($millions) | 3.9478% | 3,626 |
| Cash dividends to net income (ytd only)* | 136.0688% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4903% | 2,745 |
| Loan loss allowance to noncurrent loans | 43.3714% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 1.0686% | 4,155 |
| Noncurrent loans to loans | 3.4362% | 1,493 |
| Net loans and leases to total assets | 30.6345% | 7,973 |
| Net loans and leases to deposits | 34.4952% | 8,052 |
| Net loans and leases to core deposits | 52.7537% | 7,833 |
| Total domestic deposits to total assets | 88.8081% | 1,107 |
| Equity capital to assets | 10.6360% | 3,357 |
| Core capital (leverage) ratio | 10.4450% | 3,025 |
| Tier 1 risk-based capital ratio | 24.3442% | 1,045 |
| Total risk-based capital ratio | 25.4332% | 1,050 |
| Memoranda: | ||
| Average total assets | $209,106,000 | 3,017 |
| Average earning assets | $195,107,600 | 2,959 |
| Average equity | $22,162,600 | 2,956 |
| Average total loans | $63,628,400 | 5,115 |