Home > Wellesley Bank > Performance and Condition Ratios
Wellesley Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 2,255 |
| Cost of funding earning assets | 1.1962% | 781 |
| Net interest margin | 3.3246% | 3,531 |
| Noninterest income to average assets | 0.3821% | 3,220 |
| Noninterest expense to average assets | 2.1369% | 4,147 |
| Loan and lease loss provision to assets | 0.2351% | 1,319 |
| Net operating income to assets | 0.8744% | 2,599 |
| Return on assets (ROA) | 0.8744% | 2,706 |
| Pretax return on assets | 1.2070% | 2,170 |
| Return on Equity (ROE) | 10.2120% | 1,673 |
| Retained earnings to average equity (ytd only) | 7.7382% | 1,310 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7064% | 3,778 |
| Assets per employee ($millions) | 12.6434% | 204 |
| Cash dividends to net income (ytd only)* | 24.2248% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9479% | 3,939 |
| Loan loss allowance to noncurrent loans | 511.0834% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 3,816 |
| Noncurrent loans to loans | 0.1855% | 3,809 |
| Net loans and leases to total assets | 90.4473% | 27 |
| Net loans and leases to deposits | 116.5496% | 111 |
| Net loans and leases to core deposits | 142.2408% | 156 |
| Total domestic deposits to total assets | 77.6041% | 4,282 |
| Equity capital to assets | 8.6125% | 4,786 |
| Core capital (leverage) ratio | 8.5979% | 4,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6051% | 3,204 |
| Memoranda: | ||
| Average total assets | $944,164,000 | 873 |
| Average earning assets | $907,890,500 | 834 |
| Average equity | $80,846,000 | 1,125 |
| Average total loans | $855,690,000 | 704 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5084% | 2,911 |
| Cost of funding earning assets | 1.4127% | 538 |
| Net interest margin | 3.0957% | 4,375 |
| Noninterest income to average assets | 0.3356% | 3,700 |
| Noninterest expense to average assets | 2.1121% | 4,339 |
| Loan and lease loss provision to assets | 0.0984% | 2,082 |
| Net operating income to assets | 0.7994% | 3,556 |
| Return on assets (ROA) | 0.8002% | 3,643 |
| Pretax return on assets | 1.1007% | 3,162 |
| Return on Equity (ROE) | 9.7498% | 2,415 |
| Retained earnings to average equity (ytd only) | 8.6362% | 800 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8050% | 3,098 |
| Assets per employee ($millions) | 12.0522% | 220 |
| Cash dividends to net income (ytd only)* | 11.4217% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 3,938 |
| Loan loss allowance to noncurrent loans | 475.3416% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 3,796 |
| Noncurrent loans to loans | 0.1904% | 3,770 |
| Net loans and leases to total assets | 89.1258% | 63 |
| Net loans and leases to deposits | 111.2275% | 165 |
| Net loans and leases to core deposits | 135.6306% | 215 |
| Total domestic deposits to total assets | 80.1293% | 3,953 |
| Equity capital to assets | 8.5124% | 4,909 |
| Core capital (leverage) ratio | 8.3647% | 4,919 |
| Tier 1 risk-based capital ratio | 10.5943% | 4,991 |
| Total risk-based capital ratio | 11.6143% | 4,995 |
| Memoranda: | ||
| Average total assets | $930,033,200 | 841 |
| Average earning assets | $893,664,200 | 806 |
| Average equity | $76,329,800 | 1,128 |
| Average total loans | $808,934,600 | 709 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4930% | 3,079 |
| Cost of funding earning assets | 1.4282% | 516 |
| Net interest margin | 3.0647% | 4,534 |
| Noninterest income to average assets | 0.3637% | 3,545 |
| Noninterest expense to average assets | 2.1081% | 4,350 |
| Loan and lease loss provision to assets | 0.0690% | 2,497 |
| Net operating income to assets | 0.8245% | 3,595 |
| Return on assets (ROA) | 0.8254% | 3,673 |
| Pretax return on assets | 1.1336% | 3,191 |
| Return on Equity (ROE) | 10.1527% | 2,371 |
| Retained earnings to average equity (ytd only) | 9.7107% | 829 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6972% | 3,061 |
| Assets per employee ($millions) | 12.7173% | 179 |
| Cash dividends to net income (ytd only)* | 4.3539% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 4,199 |
| Loan loss allowance to noncurrent loans | 446.6584% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 3,918 |
| Noncurrent loans to loans | 0.1926% | 3,850 |
| Net loans and leases to total assets | 84.9632% | 258 |
| Net loans and leases to deposits | 109.5859% | 232 |
| Net loans and leases to core deposits | 135.0548% | 239 |
| Total domestic deposits to total assets | 77.5311% | 4,439 |
| Equity capital to assets | 8.0545% | 5,114 |
| Core capital (leverage) ratio | 8.0112% | 5,117 |
| Tier 1 risk-based capital ratio | 10.5428% | 5,063 |
| Total risk-based capital ratio | 11.5149% | 5,062 |
| Memoranda: | ||
| Average total assets | $927,523,500 | 843 |
| Average earning assets | $891,535,750 | 808 |
| Average equity | $75,406,500 | 1,135 |
| Average total loans | $799,793,250 | 717 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4606% | 3,143 |
| Cost of funding earning assets | 1.3881% | 561 |
| Net interest margin | 3.0726% | 4,581 |
| Noninterest income to average assets | 0.3447% | 3,628 |
| Noninterest expense to average assets | 2.1787% | 4,276 |
| Loan and lease loss provision to assets | 0.0901% | 2,047 |
| Net operating income to assets | 0.7503% | 3,825 |
| Return on assets (ROA) | 0.7503% | 3,890 |
| Pretax return on assets | 1.0300% | 3,449 |
| Return on Equity (ROE) | 9.1985% | 2,776 |
| Retained earnings to average equity (ytd only) | 8.5251% | 1,192 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0450% | 2,800 |
| Assets per employee ($millions) | 11.6106% | 234 |
| Cash dividends to net income (ytd only)* | 7.3206% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8607% | 4,234 |
| Loan loss allowance to noncurrent loans | 637.6450% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 4,168 |
| Noncurrent loans to loans | 0.1350% | 4,072 |
| Net loans and leases to total assets | 86.4838% | 180 |
| Net loans and leases to deposits | 112.6701% | 169 |
| Net loans and leases to core deposits | 140.8095% | 192 |
| Total domestic deposits to total assets | 76.7584% | 4,595 |
| Equity capital to assets | 8.0371% | 5,168 |
| Core capital (leverage) ratio | 8.1415% | 5,126 |
| Tier 1 risk-based capital ratio | 10.2462% | 5,185 |
| Total risk-based capital ratio | 11.2118% | 5,178 |
| Memoranda: | ||
| Average total assets | $910,286,330 | 860 |
| Average earning assets | $875,168,000 | 823 |
| Average equity | $74,251,330 | 1,148 |
| Average total loans | $786,655,330 | 726 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4042% | 3,211 |
| Cost of funding earning assets | 1.3292% | 598 |
| Net interest margin | 3.0750% | 4,629 |
| Noninterest income to average assets | 0.3058% | 3,832 |
| Noninterest expense to average assets | 2.1781% | 4,320 |
| Loan and lease loss provision to assets | 0.1079% | 1,645 |
| Net operating income to assets | 0.7169% | 3,879 |
| Return on assets (ROA) | 0.7169% | 3,924 |
| Pretax return on assets | 0.9809% | 3,508 |
| Return on Equity (ROE) | 8.7202% | 2,936 |
| Retained earnings to average equity (ytd only) | 8.7202% | 1,411 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6713% | 2,837 |
| Assets per employee ($millions) | 11.2260% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8882% | 4,212 |
| Loan loss allowance to noncurrent loans | 618.6170% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 4,177 |
| Noncurrent loans to loans | 0.1436% | 4,097 |
| Net loans and leases to total assets | 85.6317% | 218 |
| Net loans and leases to deposits | 103.6612% | 410 |
| Net loans and leases to core deposits | 137.0852% | 219 |
| Total domestic deposits to total assets | 82.6073% | 3,533 |
| Equity capital to assets | 8.1693% | 5,135 |
| Core capital (leverage) ratio | 8.3657% | 5,078 |
| Tier 1 risk-based capital ratio | 10.6127% | 5,148 |
| Total risk-based capital ratio | 11.6111% | 5,133 |
| Memoranda: | ||
| Average total assets | $889,395,000 | 885 |
| Average earning assets | $856,450,000 | 844 |
| Average equity | $73,117,500 | 1,167 |
| Average total loans | $764,716,500 | 752 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1896% | 3,465 |
| Cost of funding earning assets | 1.0394% | 639 |
| Net interest margin | 3.1502% | 4,574 |
| Noninterest income to average assets | 0.3152% | 4,008 |
| Noninterest expense to average assets | 2.1140% | 4,527 |
| Loan and lease loss provision to assets | 0.0704% | 2,730 |
| Net operating income to assets | 0.8530% | 3,598 |
| Return on assets (ROA) | 0.8530% | 3,592 |
| Pretax return on assets | 1.1727% | 3,002 |
| Return on Equity (ROE) | 10.3452% | 2,371 |
| Retained earnings to average equity (ytd only) | 9.3972% | 756 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9720% | 3,350 |
| Assets per employee ($millions) | 11.5931% | 224 |
| Cash dividends to net income (ytd only)* | 9.1640% | 3,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 4,127 |
| Loan loss allowance to noncurrent loans | 592.6121% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 4,170 |
| Noncurrent loans to loans | 0.1529% | 4,058 |
| Net loans and leases to total assets | 84.7701% | 338 |
| Net loans and leases to deposits | 102.5971% | 556 |
| Net loans and leases to core deposits | 138.1944% | 215 |
| Total domestic deposits to total assets | 82.6243% | 3,444 |
| Equity capital to assets | 8.2752% | 5,053 |
| Core capital (leverage) ratio | 8.4414% | 5,054 |
| Tier 1 risk-based capital ratio | 11.0720% | 4,940 |
| Total risk-based capital ratio | 12.1012% | 4,931 |
| Memoranda: | ||
| Average total assets | $831,508,200 | 921 |
| Average earning assets | $802,890,000 | 879 |
| Average equity | $68,563,200 | 1,180 |
| Average total loans | $712,201,400 | 777 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1364% | 3,508 |
| Cost of funding earning assets | 0.9759% | 658 |
| Net interest margin | 3.1605% | 4,595 |
| Noninterest income to average assets | 0.2939% | 4,183 |
| Noninterest expense to average assets | 2.1016% | 4,550 |
| Loan and lease loss provision to assets | 0.0633% | 2,710 |
| Net operating income to assets | 0.8608% | 3,696 |
| Return on assets (ROA) | 0.8608% | 3,700 |
| Pretax return on assets | 1.1800% | 3,068 |
| Return on Equity (ROE) | 10.4492% | 2,413 |
| Retained earnings to average equity (ytd only) | 9.9570% | 940 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8310% | 3,371 |
| Assets per employee ($millions) | 11.7741% | 211 |
| Cash dividends to net income (ytd only)* | 4.7108% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 4,260 |
| Loan loss allowance to noncurrent loans | 542.9876% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 4,227 |
| Noncurrent loans to loans | 0.1657% | 4,145 |
| Net loans and leases to total assets | 86.2262% | 243 |
| Net loans and leases to deposits | 107.4564% | 376 |
| Net loans and leases to core deposits | 138.5257% | 220 |
| Total domestic deposits to total assets | 80.2429% | 4,056 |
| Equity capital to assets | 8.3778% | 4,994 |
| Core capital (leverage) ratio | 8.4872% | 5,101 |
| Tier 1 risk-based capital ratio | 11.4051% | 4,845 |
| Total risk-based capital ratio | 12.4562% | 4,843 |
| Memoranda: | ||
| Average total assets | $822,014,750 | 933 |
| Average earning assets | $793,517,000 | 884 |
| Average equity | $67,716,250 | 1,191 |
| Average total loans | $704,302,000 | 779 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 3,591 |
| Cost of funding earning assets | 0.9139% | 694 |
| Net interest margin | 3.1426% | 4,636 |
| Noninterest income to average assets | 0.3034% | 4,146 |
| Noninterest expense to average assets | 2.1075% | 4,588 |
| Loan and lease loss provision to assets | 0.0636% | 2,628 |
| Net operating income to assets | 0.8483% | 3,685 |
| Return on assets (ROA) | 0.8483% | 3,685 |
| Pretax return on assets | 1.1655% | 3,072 |
| Return on Equity (ROE) | 10.3580% | 2,400 |
| Retained earnings to average equity (ytd only) | 9.6111% | 1,034 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1637% | 3,442 |
| Assets per employee ($millions) | 11.6805% | 208 |
| Cash dividends to net income (ytd only)* | 7.2108% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 4,336 |
| Loan loss allowance to noncurrent loans | 526.5189% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 4,255 |
| Noncurrent loans to loans | 0.1712% | 4,141 |
| Net loans and leases to total assets | 85.0315% | 350 |
| Net loans and leases to deposits | 109.5868% | 295 |
| Net loans and leases to core deposits | 144.0911% | 160 |
| Total domestic deposits to total assets | 77.5928% | 4,652 |
| Equity capital to assets | 8.2349% | 5,114 |
| Core capital (leverage) ratio | 8.4850% | 5,122 |
| Tier 1 risk-based capital ratio | 11.2465% | 4,924 |
| Total risk-based capital ratio | 12.2910% | 4,931 |
| Memoranda: | ||
| Average total assets | $817,365,000 | 939 |
| Average earning assets | $788,895,670 | 888 |
| Average equity | $66,943,330 | 1,201 |
| Average total loans | $696,615,000 | 789 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0030% | 3,598 |
| Cost of funding earning assets | 0.8538% | 752 |
| Net interest margin | 3.1492% | 4,600 |
| Noninterest income to average assets | 0.2884% | 4,242 |
| Noninterest expense to average assets | 2.1198% | 4,616 |
| Loan and lease loss provision to assets | 0.0320% | 3,079 |
| Net operating income to assets | 0.8548% | 3,478 |
| Return on assets (ROA) | 0.8548% | 3,495 |
| Pretax return on assets | 1.1767% | 2,857 |
| Return on Equity (ROE) | 10.4666% | 2,194 |
| Retained earnings to average equity (ytd only) | 10.4666% | 1,028 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6848% | 3,527 |
| Assets per employee ($millions) | 11.5435% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 4,420 |
| Loan loss allowance to noncurrent loans | 505.9398% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 4,332 |
| Noncurrent loans to loans | 0.1792% | 4,163 |
| Net loans and leases to total assets | 82.9128% | 546 |
| Net loans and leases to deposits | 105.6505% | 398 |
| Net loans and leases to core deposits | 137.7392% | 237 |
| Total domestic deposits to total assets | 78.4784% | 4,652 |
| Equity capital to assets | 8.1573% | 5,201 |
| Core capital (leverage) ratio | 8.4345% | 5,180 |
| Tier 1 risk-based capital ratio | 11.1935% | 5,030 |
| Total risk-based capital ratio | 12.2252% | 5,043 |
| Memoranda: | ||
| Average total assets | $811,388,000 | 952 |
| Average earning assets | $783,322,000 | 900 |
| Average equity | $66,268,000 | 1,219 |
| Average total loans | $689,125,000 | 797 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9899% | 3,434 |
| Cost of funding earning assets | 0.7197% | 926 |
| Net interest margin | 3.2701% | 4,252 |
| Noninterest income to average assets | 0.2720% | 4,498 |
| Noninterest expense to average assets | 2.1546% | 4,637 |
| Loan and lease loss provision to assets | 0.0994% | 2,237 |
| Net operating income to assets | 0.5938% | 4,034 |
| Return on assets (ROA) | 0.5938% | 4,078 |
| Pretax return on assets | 1.1620% | 2,936 |
| Return on Equity (ROE) | 6.8984% | 3,330 |
| Retained earnings to average equity (ytd only) | 6.8984% | 1,117 |
| Net charge-offs to loans | 0.0022% | 4,038 |
| Credit loss provision to net charge-offs | 5,250.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 666.2857% | 131 |
| Efficiency ratio | 63.0735% | 3,765 |
| Assets per employee ($millions) | 11.6404% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 4,532 |
| Loan loss allowance to noncurrent loans | 1,068.2292% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 4,760 |
| Noncurrent loans to loans | 0.0832% | 4,629 |
| Net loans and leases to total assets | 85.4514% | 291 |
| Net loans and leases to deposits | 111.1769% | 237 |
| Net loans and leases to core deposits | 126.9729% | 410 |
| Total domestic deposits to total assets | 76.8608% | 4,874 |
| Equity capital to assets | 8.1774% | 5,315 |
| Core capital (leverage) ratio | 8.3667% | 5,243 |
| Tier 1 risk-based capital ratio | 10.7150% | 5,293 |
| Total risk-based capital ratio | 11.7194% | 5,291 |
| Memoranda: | ||
| Average total assets | $739,470,800 | 997 |
| Average earning assets | $710,978,800 | 966 |
| Average equity | $63,652,200 | 1,244 |
| Average total loans | $629,362,200 | 833 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9623% | 3,481 |
| Cost of funding earning assets | 0.7011% | 958 |
| Net interest margin | 3.2612% | 4,292 |
| Noninterest income to average assets | 0.2751% | 4,540 |
| Noninterest expense to average assets | 2.1765% | 4,576 |
| Loan and lease loss provision to assets | 0.0687% | 2,699 |
| Net operating income to assets | 0.7135% | 3,903 |
| Return on assets (ROA) | 0.7135% | 3,967 |
| Pretax return on assets | 1.1630% | 3,050 |
| Return on Equity (ROE) | 8.1757% | 3,032 |
| Retained earnings to average equity (ytd only) | 8.1757% | 1,150 |
| Net charge-offs to loans | 0.0026% | 3,659 |
| Credit loss provision to net charge-offs | 3,108.3333% | 148 |
| Earnings coverage of net charge-offs (x) | 556.9863% | 182 |
| Efficiency ratio | 63.8605% | 3,573 |
| Assets per employee ($millions) | 11.2933% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 4,625 |
| Loan loss allowance to noncurrent loans | 997.0740% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 4,866 |
| Noncurrent loans to loans | 0.0888% | 4,715 |
| Net loans and leases to total assets | 84.4646% | 390 |
| Net loans and leases to deposits | 111.3560% | 238 |
| Net loans and leases to core deposits | 138.1967% | 226 |
| Total domestic deposits to total assets | 75.8509% | 5,035 |
| Equity capital to assets | 8.5235% | 5,270 |
| Core capital (leverage) ratio | 8.6632% | 5,098 |
| Tier 1 risk-based capital ratio | 11.1481% | 5,162 |
| Total risk-based capital ratio | 12.1373% | 5,201 |
| Memoranda: | ||
| Average total assets | $723,541,000 | 1,023 |
| Average earning assets | $695,103,250 | 988 |
| Average equity | $63,145,250 | 1,261 |
| Average total loans | $613,580,250 | 857 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9275% | 3,456 |
| Cost of funding earning assets | 0.6800% | 995 |
| Net interest margin | 3.2475% | 4,273 |
| Noninterest income to average assets | 0.2771% | 4,566 |
| Noninterest expense to average assets | 2.2468% | 4,465 |
| Loan and lease loss provision to assets | 0.0347% | 3,297 |
| Net operating income to assets | 0.6818% | 3,926 |
| Return on assets (ROA) | 0.6818% | 3,994 |
| Pretax return on assets | 1.1113% | 3,129 |
| Return on Equity (ROE) | 7.7467% | 3,172 |
| Retained earnings to average equity (ytd only) | 7.7467% | 1,259 |
| Net charge-offs to loans | 0.0040% | 3,347 |
| Credit loss provision to net charge-offs | 1,025.0000% | 378 |
| Earnings coverage of net charge-offs (x) | 338.4167% | 254 |
| Efficiency ratio | 66.2231% | 3,316 |
| Assets per employee ($millions) | 10.5865% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 4,688 |
| Loan loss allowance to noncurrent loans | 952.4055% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 4,877 |
| Noncurrent loans to loans | 0.0932% | 4,751 |
| Net loans and leases to total assets | 84.6977% | 378 |
| Net loans and leases to deposits | 115.2378% | 176 |
| Net loans and leases to core deposits | 142.0414% | 174 |
| Total domestic deposits to total assets | 73.4982% | 5,331 |
| Equity capital to assets | 8.7446% | 5,106 |
| Core capital (leverage) ratio | 9.0142% | 4,706 |
| Tier 1 risk-based capital ratio | 11.3659% | 5,042 |
| Total risk-based capital ratio | 12.3542% | 5,091 |
| Memoranda: | ||
| Average total assets | $708,740,330 | 1,038 |
| Average earning assets | $679,967,330 | 1,001 |
| Average equity | $62,375,000 | 1,277 |
| Average total loans | $599,962,670 | 879 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8806% | 3,460 |
| Cost of funding earning assets | 0.6718% | 972 |
| Net interest margin | 3.2088% | 4,312 |
| Noninterest income to average assets | 0.3021% | 4,398 |
| Noninterest expense to average assets | 2.2892% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6672% | 3,847 |
| Return on assets (ROA) | 0.6672% | 3,888 |
| Pretax return on assets | 1.0873% | 3,036 |
| Return on Equity (ROE) | 7.5555% | 3,135 |
| Retained earnings to average equity (ytd only) | 7.5555% | 1,629 |
| Net charge-offs to loans | 0.0082% | 2,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 158.0833% | 341 |
| Efficiency ratio | 67.7983% | 3,234 |
| Assets per employee ($millions) | 9.7542% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 4,698 |
| Loan loss allowance to noncurrent loans | 947.5524% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 4,947 |
| Noncurrent loans to loans | 0.0965% | 4,805 |
| Net loans and leases to total assets | 83.6106% | 407 |
| Net loans and leases to deposits | 111.4437% | 192 |
| Net loans and leases to core deposits | 136.7504% | 196 |
| Total domestic deposits to total assets | 75.0250% | 5,329 |
| Equity capital to assets | 8.8743% | 4,931 |
| Core capital (leverage) ratio | 9.0774% | 4,652 |
| Tier 1 risk-based capital ratio | 11.7697% | 4,870 |
| Total risk-based capital ratio | 12.7919% | 4,907 |
| Memoranda: | ||
| Average total assets | $697,875,500 | 1,055 |
| Average earning assets | $668,663,500 | 1,017 |
| Average equity | $61,624,000 | 1,286 |
| Average total loans | $587,827,000 | 894 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9877% | 3,234 |
| Cost of funding earning assets | 0.6966% | 820 |
| Net interest margin | 3.2911% | 4,168 |
| Noninterest income to average assets | 0.2655% | 4,830 |
| Noninterest expense to average assets | 2.3492% | 4,423 |
| Loan and lease loss provision to assets | 0.0676% | 3,017 |
| Net operating income to assets | 0.6224% | 4,112 |
| Return on assets (ROA) | 0.6240% | 4,228 |
| Pretax return on assets | 1.0092% | 3,441 |
| Return on Equity (ROE) | 6.8025% | 3,578 |
| Retained earnings to average equity (ytd only) | 6.8025% | 1,305 |
| Net charge-offs to loans | 0.0216% | 3,615 |
| Credit loss provision to net charge-offs | 374.3590% | 838 |
| Earnings coverage of net charge-offs (x) | 59.5214% | 897 |
| Efficiency ratio | 68.6193% | 3,144 |
| Assets per employee ($millions) | 9.6313% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 4,647 |
| Loan loss allowance to noncurrent loans | 919.2893% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 4,995 |
| Noncurrent loans to loans | 0.1014% | 4,831 |
| Net loans and leases to total assets | 83.2941% | 453 |
| Net loans and leases to deposits | 110.2546% | 222 |
| Net loans and leases to core deposits | 134.7449% | 228 |
| Total domestic deposits to total assets | 75.5470% | 5,290 |
| Equity capital to assets | 8.7856% | 5,034 |
| Core capital (leverage) ratio | 9.0591% | 4,670 |
| Tier 1 risk-based capital ratio | 11.5553% | 5,018 |
| Total risk-based capital ratio | 12.5819% | 5,054 |
| Memoranda: | ||
| Average total assets | $648,231,600 | 1,098 |
| Average earning assets | $622,015,800 | 1,051 |
| Average equity | $59,463,000 | 1,299 |
| Average total loans | $541,863,200 | 912 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0102% | 3,193 |
| Cost of funding earning assets | 0.6968% | 827 |
| Net interest margin | 3.3134% | 4,143 |
| Noninterest income to average assets | 0.2667% | 4,865 |
| Noninterest expense to average assets | 2.3592% | 4,385 |
| Loan and lease loss provision to assets | 0.0653% | 2,921 |
| Net operating income to assets | 0.6338% | 4,157 |
| Return on assets (ROA) | 0.6360% | 4,271 |
| Pretax return on assets | 1.0270% | 3,524 |
| Return on Equity (ROE) | 6.8540% | 3,636 |
| Retained earnings to average equity (ytd only) | 6.8540% | 1,698 |
| Net charge-offs to loans | 0.0293% | 3,072 |
| Credit loss provision to net charge-offs | 266.6667% | 1,146 |
| Earnings coverage of net charge-offs (x) | 44.4604% | 1,162 |
| Efficiency ratio | 68.4191% | 3,153 |
| Assets per employee ($millions) | 8.8598% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 4,643 |
| Loan loss allowance to noncurrent loans | 878.6424% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 5,078 |
| Noncurrent loans to loans | 0.1086% | 4,906 |
| Net loans and leases to total assets | 82.8872% | 523 |
| Net loans and leases to deposits | 110.8006% | 242 |
| Net loans and leases to core deposits | 132.8682% | 265 |
| Total domestic deposits to total assets | 74.8075% | 5,356 |
| Equity capital to assets | 9.1656% | 5,010 |
| Core capital (leverage) ratio | 9.2842% | 4,478 |
| Tier 1 risk-based capital ratio | 12.2143% | 4,667 |
| Total risk-based capital ratio | 13.2934% | 4,666 |
| Memoranda: | ||
| Average total assets | $636,927,000 | 1,111 |
| Average earning assets | $611,563,000 | 1,069 |
| Average equity | $59,097,750 | 1,314 |
| Average total loans | $531,570,000 | 926 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0056% | 3,225 |
| Cost of funding earning assets | 0.7002% | 807 |
| Net interest margin | 3.3054% | 4,212 |
| Noninterest income to average assets | 0.2711% | 4,844 |
| Noninterest expense to average assets | 2.3538% | 4,467 |
| Loan and lease loss provision to assets | 0.0599% | 2,942 |
| Net operating income to assets | 0.6387% | 4,102 |
| Return on assets (ROA) | 0.6420% | 4,223 |
| Pretax return on assets | 1.0390% | 3,440 |
| Return on Equity (ROE) | 6.8894% | 3,609 |
| Retained earnings to average equity (ytd only) | 6.8894% | 1,666 |
| Net charge-offs to loans | 0.0432% | 2,601 |
| Credit loss provision to net charge-offs | 166.3717% | 1,490 |
| Earnings coverage of net charge-offs (x) | 30.3805% | 1,382 |
| Efficiency ratio | 68.2747% | 3,282 |
| Assets per employee ($millions) | 8.7146% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 4,707 |
| Loan loss allowance to noncurrent loans | 605.2509% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 4,975 |
| Noncurrent loans to loans | 0.1592% | 4,802 |
| Net loans and leases to total assets | 82.6777% | 554 |
| Net loans and leases to deposits | 109.5723% | 266 |
| Net loans and leases to core deposits | 131.1782% | 290 |
| Total domestic deposits to total assets | 75.4549% | 5,356 |
| Equity capital to assets | 9.2960% | 4,978 |
| Core capital (leverage) ratio | 9.3893% | 4,350 |
| Tier 1 risk-based capital ratio | 12.4235% | 4,576 |
| Total risk-based capital ratio | 13.5161% | 4,585 |
| Memoranda: | ||
| Average total assets | $627,741,330 | 1,133 |
| Average earning assets | $603,261,670 | 1,084 |
| Average equity | $58,495,670 | 1,330 |
| Average total loans | $523,400,330 | 937 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0363% | 3,087 |
| Cost of funding earning assets | 0.7093% | 774 |
| Net interest margin | 3.3269% | 4,117 |
| Noninterest income to average assets | 0.2261% | 5,123 |
| Noninterest expense to average assets | 2.3393% | 4,553 |
| Loan and lease loss provision to assets | 0.0401% | 3,116 |
| Net operating income to assets | 0.6493% | 3,976 |
| Return on assets (ROA) | 0.6493% | 4,098 |
| Pretax return on assets | 1.0466% | 3,292 |
| Return on Equity (ROE) | 6.9587% | 3,478 |
| Retained earnings to average equity (ytd only) | 6.9587% | 1,905 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2821% | 3,416 |
| Assets per employee ($millions) | 8.7148% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 4,621 |
| Loan loss allowance to noncurrent loans | 525.2792% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 4,936 |
| Noncurrent loans to loans | 0.1901% | 4,730 |
| Net loans and leases to total assets | 82.9245% | 461 |
| Net loans and leases to deposits | 108.3153% | 273 |
| Net loans and leases to core deposits | 127.6821% | 308 |
| Total domestic deposits to total assets | 76.5585% | 5,353 |
| Equity capital to assets | 9.4611% | 4,704 |
| Core capital (leverage) ratio | 9.4072% | 4,337 |
| Tier 1 risk-based capital ratio | 12.7125% | 4,454 |
| Total risk-based capital ratio | 13.8485% | 4,432 |
| Memoranda: | ||
| Average total assets | $619,172,500 | 1,139 |
| Average earning assets | $595,502,500 | 1,090 |
| Average equity | $57,769,500 | 1,340 |
| Average total loans | $515,921,500 | 947 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0484% | 3,124 |
| Cost of funding earning assets | 0.6861% | 881 |
| Net interest margin | 3.3623% | 4,065 |
| Noninterest income to average assets | 0.2150% | 5,308 |
| Noninterest expense to average assets | 2.4147% | 4,480 |
| Loan and lease loss provision to assets | 0.0835% | 2,621 |
| Net operating income to assets | 0.5846% | 4,356 |
| Return on assets (ROA) | 0.5881% | 4,430 |
| Pretax return on assets | 0.9473% | 3,661 |
| Return on Equity (ROE) | 6.9616% | 3,533 |
| Retained earnings to average equity (ytd only) | 6.9616% | 1,298 |
| Net charge-offs to loans | 0.0210% | 3,847 |
| Credit loss provision to net charge-offs | 470.2970% | 663 |
| Earnings coverage of net charge-offs (x) | 57.7426% | 891 |
| Efficiency ratio | 70.1947% | 3,193 |
| Assets per employee ($millions) | 9.1117% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 4,646 |
| Loan loss allowance to noncurrent loans | 349.4190% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 4,649 |
| Noncurrent loans to loans | 0.2849% | 4,443 |
| Net loans and leases to total assets | 82.0635% | 589 |
| Net loans and leases to deposits | 109.1699% | 266 |
| Net loans and leases to core deposits | 128.0372% | 301 |
| Total domestic deposits to total assets | 75.1705% | 5,539 |
| Equity capital to assets | 9.1993% | 4,912 |
| Core capital (leverage) ratio | 9.3965% | 4,328 |
| Tier 1 risk-based capital ratio | 13.0306% | 4,286 |
| Total risk-based capital ratio | 14.2026% | 4,258 |
| Memoranda: | ||
| Average total assets | $568,800,800 | 1,204 |
| Average earning assets | $545,576,400 | 1,161 |
| Average equity | $48,049,200 | 1,549 |
| Average total loans | $480,445,200 | 970 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0212% | 3,253 |
| Cost of funding earning assets | 0.6724% | 971 |
| Net interest margin | 3.3489% | 4,147 |
| Noninterest income to average assets | 0.1899% | 5,527 |
| Noninterest expense to average assets | 2.4614% | 4,311 |
| Loan and lease loss provision to assets | 0.0719% | 2,737 |
| Net operating income to assets | 0.5388% | 4,636 |
| Return on assets (ROA) | 0.5431% | 4,714 |
| Pretax return on assets | 0.8744% | 4,071 |
| Return on Equity (ROE) | 6.5920% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.5920% | 1,892 |
| Net charge-offs to loans | 0.0203% | 3,535 |
| Credit loss provision to net charge-offs | 416.6667% | 736 |
| Earnings coverage of net charge-offs (x) | 54.4292% | 988 |
| Efficiency ratio | 72.3722% | 2,814 |
| Assets per employee ($millions) | 8.3990% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 4,844 |
| Loan loss allowance to noncurrent loans | 130.1022% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.6492% | 3,309 |
| Noncurrent loans to loans | 0.7526% | 3,081 |
| Net loans and leases to total assets | 85.4182% | 262 |
| Net loans and leases to deposits | 110.6199% | 240 |
| Net loans and leases to core deposits | 128.1932% | 306 |
| Total domestic deposits to total assets | 77.2178% | 5,313 |
| Equity capital to assets | 8.0045% | 5,951 |
| Core capital (leverage) ratio | 8.0472% | 5,873 |
| Tier 1 risk-based capital ratio | 10.6603% | 5,820 |
| Total risk-based capital ratio | 11.7940% | 5,794 |
| Memoranda: | ||
| Average total assets | $556,102,750 | 1,232 |
| Average earning assets | $533,224,500 | 1,188 |
| Average equity | $45,812,000 | 1,617 |
| Average total loans | $472,163,500 | 983 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9950% | 3,313 |
| Cost of funding earning assets | 0.6510% | 1,093 |
| Net interest margin | 3.3440% | 4,128 |
| Noninterest income to average assets | 0.1918% | 5,529 |
| Noninterest expense to average assets | 2.5119% | 4,206 |
| Loan and lease loss provision to assets | 0.0550% | 3,011 |
| Net operating income to assets | 0.5144% | 4,705 |
| Return on assets (ROA) | 0.5144% | 4,811 |
| Pretax return on assets | 0.8286% | 4,210 |
| Return on Equity (ROE) | 6.1812% | 4,047 |
| Retained earnings to average equity (ytd only) | 6.1812% | 2,128 |
| Net charge-offs to loans | 0.0313% | 3,032 |
| Credit loss provision to net charge-offs | 208.3333% | 1,192 |
| Earnings coverage of net charge-offs (x) | 33.4722% | 1,269 |
| Efficiency ratio | 73.9769% | 2,682 |
| Assets per employee ($millions) | 7.8938% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 4,858 |
| Loan loss allowance to noncurrent loans | 112.8397% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 3,100 |
| Noncurrent loans to loans | 0.8890% | 2,907 |
| Net loans and leases to total assets | 84.8025% | 313 |
| Net loans and leases to deposits | 110.5633% | 249 |
| Net loans and leases to core deposits | 123.8942% | 378 |
| Total domestic deposits to total assets | 76.7003% | 5,500 |
| Equity capital to assets | 8.2133% | 5,870 |
| Core capital (leverage) ratio | 8.4149% | 5,618 |
| Tier 1 risk-based capital ratio | 10.9967% | 5,712 |
| Total risk-based capital ratio | 12.1538% | 5,680 |
| Memoranda: | ||
| Average total assets | $545,492,670 | 1,254 |
| Average earning assets | $522,603,330 | 1,218 |
| Average equity | $45,395,670 | 1,639 |
| Average total loans | $460,495,330 | 1,008 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9953% | 3,247 |
| Cost of funding earning assets | 0.6602% | 1,048 |
| Net interest margin | 3.3351% | 4,080 |
| Noninterest income to average assets | 0.1888% | 5,576 |
| Noninterest expense to average assets | 2.5977% | 3,936 |
| Loan and lease loss provision to assets | 0.0372% | 3,156 |
| Net operating income to assets | 0.4684% | 4,802 |
| Return on assets (ROA) | 0.4684% | 4,923 |
| Pretax return on assets | 0.7539% | 4,412 |
| Return on Equity (ROE) | 5.5904% | 4,237 |
| Retained earnings to average equity (ytd only) | 5.5904% | 2,727 |
| Net charge-offs to loans | 0.0639% | 2,107 |
| Credit loss provision to net charge-offs | 69.4444% | 1,920 |
| Earnings coverage of net charge-offs (x) | 14.7778% | 1,659 |
| Efficiency ratio | 76.6564% | 2,404 |
| Assets per employee ($millions) | 8.0932% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 4,811 |
| Loan loss allowance to noncurrent loans | 100.0212% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.8695% | 2,905 |
| Noncurrent loans to loans | 1.0417% | 2,678 |
| Net loans and leases to total assets | 82.6063% | 408 |
| Net loans and leases to deposits | 103.7464% | 381 |
| Net loans and leases to core deposits | 115.0124% | 547 |
| Total domestic deposits to total assets | 79.6233% | 5,139 |
| Equity capital to assets | 8.3896% | 5,814 |
| Core capital (leverage) ratio | 8.3983% | 5,633 |
| Tier 1 risk-based capital ratio | 11.1366% | 5,746 |
| Total risk-based capital ratio | 12.3054% | 5,702 |
| Memoranda: | ||
| Average total assets | $538,009,500 | 1,272 |
| Average earning assets | $516,209,500 | 1,236 |
| Average equity | $45,077,500 | 1,654 |
| Average total loans | $450,693,500 | 1,032 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 3,169 |
| Cost of funding earning assets | 0.7427% | 879 |
| Net interest margin | 3.3967% | 4,212 |
| Noninterest income to average assets | 0.1965% | 5,680 |
| Noninterest expense to average assets | 2.5414% | 4,418 |
| Loan and lease loss provision to assets | 0.1299% | 2,021 |
| Net operating income to assets | 0.4848% | 4,871 |
| Return on assets (ROA) | 0.4869% | 4,949 |
| Pretax return on assets | 0.7837% | 4,316 |
| Return on Equity (ROE) | 5.6834% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.6834% | 2,144 |
| Net charge-offs to loans | 0.0274% | 4,273 |
| Credit loss provision to net charge-offs | 556.5217% | 476 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,109 |
| Efficiency ratio | 73.6270% | 2,898 |
| Assets per employee ($millions) | 8.3403% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 4,783 |
| Loan loss allowance to noncurrent loans | 97.9533% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 0.9062% | 2,948 |
| Noncurrent loans to loans | 1.0779% | 2,664 |
| Net loans and leases to total assets | 83.1821% | 412 |
| Net loans and leases to deposits | 104.6967% | 410 |
| Net loans and leases to core deposits | 118.0779% | 462 |
| Total domestic deposits to total assets | 79.4506% | 5,152 |
| Equity capital to assets | 8.3674% | 5,850 |
| Core capital (leverage) ratio | 8.5774% | 5,471 |
| Tier 1 risk-based capital ratio | 11.6662% | 5,566 |
| Total risk-based capital ratio | 12.8778% | 5,505 |
| Memoranda: | ||
| Average total assets | $492,690,800 | 1,353 |
| Average earning assets | $472,164,400 | 1,296 |
| Average equity | $42,210,600 | 1,700 |
| Average total loans | $420,417,000 | 1,044 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1627% | 3,121 |
| Cost of funding earning assets | 0.7459% | 908 |
| Net interest margin | 3.4168% | 4,165 |
| Noninterest income to average assets | 0.2026% | 5,718 |
| Noninterest expense to average assets | 2.4962% | 4,539 |
| Loan and lease loss provision to assets | 0.1603% | 1,556 |
| Net operating income to assets | 0.5029% | 4,864 |
| Return on assets (ROA) | 0.5058% | 4,915 |
| Pretax return on assets | 0.8231% | 4,272 |
| Return on Equity (ROE) | 5.8656% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.8656% | 2,493 |
| Net charge-offs to loans | 0.0358% | 3,770 |
| Credit loss provision to net charge-offs | 522.5225% | 545 |
| Earnings coverage of net charge-offs (x) | 31.9091% | 1,317 |
| Efficiency ratio | 71.8308% | 3,213 |
| Assets per employee ($millions) | 8.1339% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 4,884 |
| Loan loss allowance to noncurrent loans | 88.8088% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.0454% | 2,871 |
| Noncurrent loans to loans | 1.2038% | 2,638 |
| Net loans and leases to total assets | 85.9099% | 201 |
| Net loans and leases to deposits | 110.7505% | 198 |
| Net loans and leases to core deposits | 129.1047% | 242 |
| Total domestic deposits to total assets | 77.5707% | 5,595 |
| Equity capital to assets | 8.7102% | 5,631 |
| Core capital (leverage) ratio | 8.7973% | 5,345 |
| Tier 1 risk-based capital ratio | 11.8829% | 5,568 |
| Total risk-based capital ratio | 13.1296% | 5,489 |
| Memoranda: | ||
| Average total assets | $482,419,250 | 1,395 |
| Average earning assets | $462,063,250 | 1,336 |
| Average equity | $41,597,500 | 1,734 |
| Average total loans | $413,335,000 | 1,065 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1493% | 3,154 |
| Cost of funding earning assets | 0.7426% | 955 |
| Net interest margin | 3.4068% | 4,144 |
| Noninterest income to average assets | 0.2029% | 5,744 |
| Noninterest expense to average assets | 2.5071% | 4,555 |
| Loan and lease loss provision to assets | 0.1684% | 1,458 |
| Net operating income to assets | 0.4844% | 4,870 |
| Return on assets (ROA) | 0.4887% | 4,926 |
| Pretax return on assets | 0.7939% | 4,297 |
| Return on Equity (ROE) | 5.6882% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.6882% | 2,520 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4046% | 3,267 |
| Assets per employee ($millions) | 7.8258% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 4,950 |
| Loan loss allowance to noncurrent loans | 132.9395% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.7038% | 3,869 |
| Noncurrent loans to loans | 0.8202% | 3,658 |
| Net loans and leases to total assets | 84.8724% | 245 |
| Net loans and leases to deposits | 107.5916% | 261 |
| Net loans and leases to core deposits | 125.7730% | 272 |
| Total domestic deposits to total assets | 78.8839% | 5,483 |
| Equity capital to assets | 8.7713% | 5,545 |
| Core capital (leverage) ratio | 8.9180% | 5,139 |
| Tier 1 risk-based capital ratio | 11.8966% | 5,597 |
| Total risk-based capital ratio | 13.1211% | 5,537 |
| Memoranda: | ||
| Average total assets | $475,124,330 | 1,412 |
| Average earning assets | $454,626,670 | 1,350 |
| Average equity | $40,821,330 | 1,751 |
| Average total loans | $405,137,000 | 1,078 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0981% | 3,294 |
| Cost of funding earning assets | 0.7401% | 1,014 |
| Net interest margin | 3.3579% | 4,302 |
| Noninterest income to average assets | 0.2085% | 5,694 |
| Noninterest expense to average assets | 2.5038% | 4,613 |
| Loan and lease loss provision to assets | 0.1544% | 1,573 |
| Net operating income to assets | 0.4674% | 4,858 |
| Return on assets (ROA) | 0.4762% | 4,883 |
| Pretax return on assets | 0.7757% | 4,199 |
| Return on Equity (ROE) | 5.6047% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.6047% | 2,736 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2062% | 3,277 |
| Assets per employee ($millions) | 7.9164% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 5,162 |
| Loan loss allowance to noncurrent loans | 125.4784% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.7371% | 3,912 |
| Noncurrent loans to loans | 0.8677% | 3,723 |
| Net loans and leases to total assets | 84.0197% | 233 |
| Net loans and leases to deposits | 103.9536% | 292 |
| Net loans and leases to core deposits | 122.3028% | 284 |
| Total domestic deposits to total assets | 80.8242% | 5,285 |
| Equity capital to assets | 8.9365% | 5,178 |
| Core capital (leverage) ratio | 9.0550% | 4,929 |
| Tier 1 risk-based capital ratio | 12.1652% | 5,532 |
| Total risk-based capital ratio | 13.3874% | 5,475 |
| Memoranda: | ||
| Average total assets | $466,173,500 | 1,445 |
| Average earning assets | $445,869,000 | 1,386 |
| Average equity | $39,609,500 | 1,781 |
| Average total loans | $396,177,500 | 1,108 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2913% | 2,995 |
| Cost of funding earning assets | 0.7415% | 1,554 |
| Net interest margin | 3.5498% | 3,683 |
| Noninterest income to average assets | 0.2367% | 5,657 |
| Noninterest expense to average assets | 2.3861% | 5,111 |
| Loan and lease loss provision to assets | 0.1230% | 2,770 |
| Net operating income to assets | 0.6915% | 3,834 |
| Return on assets (ROA) | 0.7077% | 3,844 |
| Pretax return on assets | 1.1442% | 2,790 |
| Return on Equity (ROE) | 8.0899% | 2,993 |
| Retained earnings to average equity (ytd only) | 8.0899% | 1,027 |
| Net charge-offs to loans | 0.0383% | 4,696 |
| Credit loss provision to net charge-offs | 381.6794% | 595 |
| Earnings coverage of net charge-offs (x) | 38.5267% | 976 |
| Efficiency ratio | 65.7691% | 4,601 |
| Assets per employee ($millions) | 8.3157% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 5,229 |
| Loan loss allowance to noncurrent loans | 107.0376% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.8606% | 3,739 |
| Noncurrent loans to loans | 1.0121% | 3,490 |
| Net loans and leases to total assets | 84.1058% | 248 |
| Net loans and leases to deposits | 105.4598% | 280 |
| Net loans and leases to core deposits | 123.7160% | 273 |
| Total domestic deposits to total assets | 79.7515% | 5,505 |
| Equity capital to assets | 8.0400% | 5,989 |
| Core capital (leverage) ratio | 8.3111% | 5,860 |
| Tier 1 risk-based capital ratio | 10.8746% | 6,235 |
| Total risk-based capital ratio | 12.1003% | 6,193 |
| Memoranda: | ||
| Average total assets | $406,396,600 | 1,624 |
| Average earning assets | $388,249,800 | 1,559 |
| Average equity | $35,550,600 | 1,935 |
| Average total loans | $342,032,400 | 1,254 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3149% | 2,928 |
| Cost of funding earning assets | 0.7415% | 1,656 |
| Net interest margin | 3.5734% | 3,561 |
| Noninterest income to average assets | 0.2378% | 5,734 |
| Noninterest expense to average assets | 2.3079% | 5,311 |
| Loan and lease loss provision to assets | 0.1185% | 2,816 |
| Net operating income to assets | 0.7516% | 3,592 |
| Return on assets (ROA) | 0.7739% | 3,619 |
| Pretax return on assets | 1.2606% | 2,476 |
| Return on Equity (ROE) | 8.6440% | 2,812 |
| Retained earnings to average equity (ytd only) | 8.6440% | 1,173 |
| Net charge-offs to loans | 0.0145% | 4,840 |
| Credit loss provision to net charge-offs | 972.2222% | 321 |
| Earnings coverage of net charge-offs (x) | 110.2473% | 460 |
| Efficiency ratio | 63.1921% | 4,950 |
| Assets per employee ($millions) | 7.7749% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 5,105 |
| Loan loss allowance to noncurrent loans | 99.8319% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.9920% | 3,675 |
| Noncurrent loans to loans | 1.1554% | 3,504 |
| Net loans and leases to total assets | 84.8733% | 195 |
| Net loans and leases to deposits | 106.4423% | 229 |
| Net loans and leases to core deposits | 126.3677% | 237 |
| Total domestic deposits to total assets | 79.7364% | 5,570 |
| Equity capital to assets | 8.6200% | 5,603 |
| Core capital (leverage) ratio | 8.8462% | 5,335 |
| Tier 1 risk-based capital ratio | 11.4237% | 6,092 |
| Total risk-based capital ratio | 12.6447% | 6,072 |
| Memoranda: | ||
| Average total assets | $393,655,000 | 1,682 |
| Average earning assets | $376,142,250 | 1,616 |
| Average equity | $35,245,250 | 1,971 |
| Average total loans | $330,320,000 | 1,296 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 2,946 |
| Cost of funding earning assets | 0.7485% | 1,719 |
| Net interest margin | 3.5533% | 3,551 |
| Noninterest income to average assets | 0.2458% | 5,696 |
| Noninterest expense to average assets | 2.2997% | 5,372 |
| Loan and lease loss provision to assets | 0.1039% | 3,062 |
| Net operating income to assets | 0.7586% | 3,519 |
| Return on assets (ROA) | 0.7929% | 3,491 |
| Pretax return on assets | 1.2922% | 2,328 |
| Return on Equity (ROE) | 8.7375% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.7375% | 1,210 |
| Net charge-offs to loans | 0.0225% | 4,386 |
| Credit loss provision to net charge-offs | 555.5556% | 513 |
| Earnings coverage of net charge-offs (x) | 71.7778% | 626 |
| Efficiency ratio | 63.1384% | 4,999 |
| Assets per employee ($millions) | 8.0712% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 5,038 |
| Loan loss allowance to noncurrent loans | 107.7419% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.9406% | 3,905 |
| Noncurrent loans to loans | 1.1050% | 3,721 |
| Net loans and leases to total assets | 84.1066% | 232 |
| Net loans and leases to deposits | 107.8017% | 185 |
| Net loans and leases to core deposits | 128.6815% | 201 |
| Total domestic deposits to total assets | 78.0197% | 5,977 |
| Equity capital to assets | 8.9603% | 5,255 |
| Core capital (leverage) ratio | 9.0420% | 4,918 |
| Tier 1 risk-based capital ratio | 11.9292% | 5,834 |
| Total risk-based capital ratio | 13.1498% | 5,804 |
| Memoranda: | ||
| Average total assets | $384,924,330 | 1,719 |
| Average earning assets | $367,935,000 | 1,644 |
| Average equity | $34,930,000 | 1,990 |
| Average total loans | $320,261,330 | 1,329 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3488% | 2,695 |
| Cost of funding earning assets | 0.7510% | 1,842 |
| Net interest margin | 3.5978% | 3,275 |
| Noninterest income to average assets | 0.2255% | 5,853 |
| Noninterest expense to average assets | 2.2474% | 5,574 |
| Loan and lease loss provision to assets | 0.1054% | 2,927 |
| Net operating income to assets | 0.8071% | 3,119 |
| Return on assets (ROA) | 0.8071% | 3,256 |
| Pretax return on assets | 1.3202% | 2,160 |
| Return on Equity (ROE) | 8.8360% | 2,561 |
| Retained earnings to average equity (ytd only) | 8.8360% | 1,440 |
| Net charge-offs to loans | 0.0461% | 3,384 |
| Credit loss provision to net charge-offs | 277.7778% | 849 |
| Earnings coverage of net charge-offs (x) | 37.5833% | 833 |
| Efficiency ratio | 61.1876% | 5,424 |
| Assets per employee ($millions) | 8.5430% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 5,038 |
| Loan loss allowance to noncurrent loans | 71.4704% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.4224% | 3,134 |
| Noncurrent loans to loans | 1.7247% | 2,959 |
| Net loans and leases to total assets | 81.4517% | 312 |
| Net loans and leases to deposits | 100.9986% | 312 |
| Net loans and leases to core deposits | 120.2632% | 282 |
| Total domestic deposits to total assets | 80.6464% | 5,585 |
| Equity capital to assets | 9.1176% | 5,349 |
| Core capital (leverage) ratio | 9.0924% | 4,730 |
| Tier 1 risk-based capital ratio | 12.5128% | 5,570 |
| Total risk-based capital ratio | 13.7634% | 5,520 |
| Memoranda: | ||
| Average total assets | $379,641,000 | 1,750 |
| Average earning assets | $363,774,500 | 1,677 |
| Average equity | $34,676,500 | 2,034 |
| Average total loans | $312,071,000 | 1,367 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 3,797 |
| Cost of funding earning assets | 0.8412% | 2,356 |
| Net interest margin | 3.5617% | 4,257 |
| Noninterest income to average assets | 0.2986% | 5,327 |
| Noninterest expense to average assets | 2.3922% | 5,424 |
| Loan and lease loss provision to assets | 0.1645% | 3,554 |
| Net operating income to assets | 0.7354% | 3,583 |
| Return on assets (ROA) | 0.7542% | 3,735 |
| Pretax return on assets | 1.1889% | 2,838 |
| Return on Equity (ROE) | 8.1112% | 3,040 |
| Retained earnings to average equity (ytd only) | 8.1112% | 1,084 |
| Net charge-offs to loans | 0.0390% | 5,372 |
| Credit loss provision to net charge-offs | 544.5545% | 448 |
| Earnings coverage of net charge-offs (x) | 43.8218% | 740 |
| Efficiency ratio | 64.3697% | 4,820 |
| Assets per employee ($millions) | 9.1426% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 4,864 |
| Loan loss allowance to noncurrent loans | 61.6619% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.6631% | 2,902 |
| Noncurrent loans to loans | 2.0299% | 2,665 |
| Net loans and leases to total assets | 80.9027% | 394 |
| Net loans and leases to deposits | 99.1276% | 453 |
| Net loans and leases to core deposits | 117.6195% | 325 |
| Total domestic deposits to total assets | 81.6147% | 5,221 |
| Equity capital to assets | 9.1509% | 5,337 |
| Core capital (leverage) ratio | 9.2548% | 4,493 |
| Tier 1 risk-based capital ratio | 12.6928% | 5,330 |
| Total risk-based capital ratio | 13.9453% | 5,271 |
| Memoranda: | ||
| Average total assets | $334,259,000 | 1,930 |
| Average earning assets | $320,745,000 | 1,847 |
| Average equity | $31,080,600 | 2,194 |
| Average total loans | $259,264,000 | 1,598 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4432% | 3,866 |
| Cost of funding earning assets | 0.8498% | 2,539 |
| Net interest margin | 3.5934% | 4,260 |
| Noninterest income to average assets | 0.2267% | 5,933 |
| Noninterest expense to average assets | 2.4184% | 5,346 |
| Loan and lease loss provision to assets | 0.1645% | 3,462 |
| Net operating income to assets | 0.6884% | 3,959 |
| Return on assets (ROA) | 0.7018% | 4,150 |
| Pretax return on assets | 1.1107% | 3,314 |
| Return on Equity (ROE) | 7.5131% | 3,522 |
| Retained earnings to average equity (ytd only) | 7.5131% | 1,848 |
| Net charge-offs to loans | 0.0545% | 4,891 |
| Credit loss provision to net charge-offs | 396.0396% | 679 |
| Earnings coverage of net charge-offs (x) | 30.1888% | 1,095 |
| Efficiency ratio | 65.8490% | 4,473 |
| Assets per employee ($millions) | 8.4832% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 4,724 |
| Loan loss allowance to noncurrent loans | 80.3917% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.2897% | 3,715 |
| Noncurrent loans to loans | 1.6421% | 3,333 |
| Net loans and leases to total assets | 77.5021% | 790 |
| Net loans and leases to deposits | 95.8673% | 669 |
| Net loans and leases to core deposits | 114.6567% | 412 |
| Total domestic deposits to total assets | 80.8432% | 5,409 |
| Equity capital to assets | 9.4121% | 5,313 |
| Core capital (leverage) ratio | 9.7303% | 3,904 |
| Tier 1 risk-based capital ratio | 13.3016% | 5,023 |
| Total risk-based capital ratio | 14.5545% | 4,987 |
| Memoranda: | ||
| Average total assets | $324,111,750 | 2,003 |
| Average earning assets | $310,818,250 | 1,922 |
| Average equity | $30,275,250 | 2,250 |
| Average total loans | $247,303,500 | 1,678 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5429% | 3,592 |
| Cost of funding earning assets | 0.8661% | 2,688 |
| Net interest margin | 3.6768% | 3,934 |
| Noninterest income to average assets | 0.2010% | 6,120 |
| Noninterest expense to average assets | 2.4647% | 5,246 |
| Loan and lease loss provision to assets | 0.1595% | 3,524 |
| Net operating income to assets | 0.7005% | 3,869 |
| Return on assets (ROA) | 0.7001% | 4,135 |
| Pretax return on assets | 1.1009% | 3,299 |
| Return on Equity (ROE) | 7.5166% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.5166% | 1,858 |
| Net charge-offs to loans | 0.0812% | 4,333 |
| Credit loss provision to net charge-offs | 260.4167% | 1,107 |
| Earnings coverage of net charge-offs (x) | 20.5833% | 1,382 |
| Efficiency ratio | 66.1528% | 4,507 |
| Assets per employee ($millions) | 7.8952% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 4,383 |
| Loan loss allowance to noncurrent loans | 68.9930% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 1.5891% | 3,335 |
| Noncurrent loans to loans | 2.0580% | 2,880 |
| Net loans and leases to total assets | 76.1190% | 954 |
| Net loans and leases to deposits | 95.8509% | 642 |
| Net loans and leases to core deposits | 112.5792% | 493 |
| Total domestic deposits to total assets | 79.4140% | 5,878 |
| Equity capital to assets | 10.1157% | 4,168 |
| Core capital (leverage) ratio | 10.1413% | 3,212 |
| Tier 1 risk-based capital ratio | 13.9527% | 4,478 |
| Total risk-based capital ratio | 15.2063% | 4,449 |
| Memoranda: | ||
| Average total assets | $313,383,670 | 2,068 |
| Average earning assets | $300,423,330 | 1,977 |
| Average equity | $29,188,670 | 2,309 |
| Average total loans | $236,461,000 | 1,744 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5788% | 3,600 |
| Cost of funding earning assets | 0.8609% | 2,989 |
| Net interest margin | 3.7179% | 3,749 |
| Noninterest income to average assets | 0.1778% | 6,317 |
| Noninterest expense to average assets | 2.3788% | 5,542 |
| Loan and lease loss provision to assets | 0.1947% | 2,992 |
| Net operating income to assets | 0.7501% | 3,621 |
| Return on assets (ROA) | 0.7501% | 3,859 |
| Pretax return on assets | 1.1745% | 3,010 |
| Return on Equity (ROE) | 8.4347% | 3,089 |
| Retained earnings to average equity (ytd only) | 8.4347% | 1,805 |
| Net charge-offs to loans | 0.1567% | 3,153 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 11.7222% | 1,652 |
| Efficiency ratio | 63.4695% | 5,023 |
| Assets per employee ($millions) | 7.8322% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 4,278 |
| Loan loss allowance to noncurrent loans | 63.3364% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.7412% | 3,250 |
| Noncurrent loans to loans | 2.3297% | 2,777 |
| Net loans and leases to total assets | 73.6370% | 1,123 |
| Net loans and leases to deposits | 89.4434% | 1,016 |
| Net loans and leases to core deposits | 104.4436% | 747 |
| Total domestic deposits to total assets | 82.3280% | 5,185 |
| Equity capital to assets | 10.2427% | 3,798 |
| Core capital (leverage) ratio | 10.4500% | 2,814 |
| Tier 1 risk-based capital ratio | 14.3499% | 4,210 |
| Total risk-based capital ratio | 15.6038% | 4,180 |
| Memoranda: | ||
| Average total assets | $308,223,000 | 2,110 |
| Average earning assets | $295,973,500 | 2,007 |
| Average equity | $27,410,500 | 2,441 |
| Average total loans | $229,716,500 | 1,794 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9443% | 3,134 |
| Cost of funding earning assets | 1.0310% | 3,157 |
| Net interest margin | 3.9132% | 3,278 |
| Noninterest income to average assets | 0.1882% | 6,153 |
| Noninterest expense to average assets | 2.4691% | 5,570 |
| Loan and lease loss provision to assets | 0.3282% | 3,061 |
| Net operating income to assets | 0.7274% | 3,343 |
| Return on assets (ROA) | 0.7316% | 3,506 |
| Pretax return on assets | 1.1474% | 2,662 |
| Return on Equity (ROE) | 9.3225% | 2,316 |
| Retained earnings to average equity (ytd only) | 9.3225% | 718 |
| Net charge-offs to loans | 0.0918% | 5,422 |
| Credit loss provision to net charge-offs | 461.5385% | 488 |
| Earnings coverage of net charge-offs (x) | 20.6564% | 1,123 |
| Efficiency ratio | 62.6968% | 5,352 |
| Assets per employee ($millions) | 9.4737% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 3,987 |
| Loan loss allowance to noncurrent loans | 49.6272% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 2.2566% | 2,667 |
| Noncurrent loans to loans | 3.0366% | 2,137 |
| Net loans and leases to total assets | 73.1920% | 1,410 |
| Net loans and leases to deposits | 83.7557% | 1,956 |
| Net loans and leases to core deposits | 97.4000% | 1,381 |
| Total domestic deposits to total assets | 87.3875% | 2,539 |
| Equity capital to assets | 7.4984% | 6,813 |
| Core capital (leverage) ratio | 7.8072% | 6,435 |
| Tier 1 risk-based capital ratio | 10.6547% | 6,623 |
| Total risk-based capital ratio | 11.9094% | 6,592 |
| Memoranda: | ||
| Average total assets | $274,191,000 | 2,308 |
| Average earning assets | $262,748,800 | 2,221 |
| Average equity | $21,517,800 | 2,945 |
| Average total loans | $212,379,600 | 1,937 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0424% | 2,878 |
| Cost of funding earning assets | 1.0756% | 3,141 |
| Net interest margin | 3.9668% | 3,064 |
| Noninterest income to average assets | 0.1893% | 6,241 |
| Noninterest expense to average assets | 2.4548% | 5,607 |
| Loan and lease loss provision to assets | 0.3746% | 2,606 |
| Net operating income to assets | 0.7422% | 3,417 |
| Return on assets (ROA) | 0.7422% | 3,587 |
| Pretax return on assets | 1.1597% | 2,784 |
| Return on Equity (ROE) | 9.3394% | 2,448 |
| Retained earnings to average equity (ytd only) | 9.3394% | 1,030 |
| Net charge-offs to loans | 0.1243% | 4,797 |
| Credit loss provision to net charge-offs | 384.6154% | 736 |
| Earnings coverage of net charge-offs (x) | 15.7541% | 1,441 |
| Efficiency ratio | 61.5375% | 5,485 |
| Assets per employee ($millions) | 9.1455% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 3,898 |
| Loan loss allowance to noncurrent loans | 118.4739% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.9983% | 4,760 |
| Noncurrent loans to loans | 1.3065% | 4,355 |
| Net loans and leases to total assets | 75.2300% | 1,106 |
| Net loans and leases to deposits | 88.0665% | 1,427 |
| Net loans and leases to core deposits | 103.9572% | 986 |
| Total domestic deposits to total assets | 85.4241% | 3,542 |
| Equity capital to assets | 8.0721% | 6,651 |
| Core capital (leverage) ratio | 8.1676% | 6,168 |
| Tier 1 risk-based capital ratio | 11.1825% | 6,443 |
| Total risk-based capital ratio | 12.4378% | 6,422 |
| Memoranda: | ||
| Average total assets | $266,949,000 | 2,375 |
| Average earning assets | $255,718,750 | 2,280 |
| Average equity | $21,214,250 | 2,982 |
| Average total loans | $209,153,750 | 1,984 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0938% | 2,710 |
| Cost of funding earning assets | 1.1296% | 3,038 |
| Net interest margin | 3.9642% | 3,015 |
| Noninterest income to average assets | 0.1898% | 6,309 |
| Noninterest expense to average assets | 2.4040% | 5,830 |
| Loan and lease loss provision to assets | 0.4537% | 2,150 |
| Net operating income to assets | 0.7229% | 3,425 |
| Return on assets (ROA) | 0.7229% | 3,547 |
| Pretax return on assets | 1.1298% | 2,724 |
| Return on Equity (ROE) | 9.1469% | 2,453 |
| Retained earnings to average equity (ytd only) | 9.1469% | 1,060 |
| Net charge-offs to loans | 0.0584% | 5,065 |
| Credit loss provision to net charge-offs | 983.6066% | 338 |
| Earnings coverage of net charge-offs (x) | 34.3279% | 835 |
| Efficiency ratio | 60.2883% | 5,827 |
| Assets per employee ($millions) | 9.4570% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 3,912 |
| Loan loss allowance to noncurrent loans | 93.2698% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 1.3074% | 4,287 |
| Noncurrent loans to loans | 1.6590% | 3,932 |
| Net loans and leases to total assets | 77.5892% | 829 |
| Net loans and leases to deposits | 89.8607% | 1,289 |
| Net loans and leases to core deposits | 107.1446% | 854 |
| Total domestic deposits to total assets | 86.3438% | 3,131 |
| Equity capital to assets | 8.0972% | 6,603 |
| Core capital (leverage) ratio | 7.9542% | 6,354 |
| Tier 1 risk-based capital ratio | 10.8833% | 6,609 |
| Total risk-based capital ratio | 12.1385% | 6,575 |
| Memoranda: | ||
| Average total assets | $264,477,330 | 2,409 |
| Average earning assets | $253,367,000 | 2,300 |
| Average equity | $20,903,330 | 3,016 |
| Average total loans | $208,988,670 | 2,006 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 2,519 |
| Cost of funding earning assets | 1.1467% | 3,179 |
| Net interest margin | 3.9820% | 2,763 |
| Noninterest income to average assets | 0.1771% | 6,458 |
| Noninterest expense to average assets | 2.3684% | 5,992 |
| Loan and lease loss provision to assets | 0.4540% | 1,941 |
| Net operating income to assets | 0.7446% | 3,304 |
| Return on assets (ROA) | 0.7446% | 3,370 |
| Pretax return on assets | 1.1698% | 2,482 |
| Return on Equity (ROE) | 9.5374% | 2,268 |
| Retained earnings to average equity (ytd only) | 9.5374% | 1,228 |
| Net charge-offs to loans | 0.1167% | 3,836 |
| Credit loss provision to net charge-offs | 491.8033% | 732 |
| Earnings coverage of net charge-offs (x) | 17.5902% | 1,218 |
| Efficiency ratio | 59.3252% | 6,078 |
| Assets per employee ($millions) | 9.5216% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 4,738 |
| Loan loss allowance to noncurrent loans | 117.8198% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.9325% | 5,027 |
| Noncurrent loans to loans | 1.1760% | 4,731 |
| Net loans and leases to total assets | 78.1933% | 706 |
| Net loans and leases to deposits | 92.4384% | 981 |
| Net loans and leases to core deposits | 109.9503% | 728 |
| Total domestic deposits to total assets | 84.5896% | 4,233 |
| Equity capital to assets | 7.8247% | 6,661 |
| Core capital (leverage) ratio | 7.8338% | 6,433 |
| Tier 1 risk-based capital ratio | 10.5918% | 6,754 |
| Total risk-based capital ratio | 11.8448% | 6,735 |
| Memoranda: | ||
| Average total assets | $264,318,000 | 2,433 |
| Average earning assets | $253,239,000 | 2,324 |
| Average equity | $20,634,500 | 3,032 |
| Average total loans | $209,142,000 | 2,021 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5188% | 2,212 |
| Cost of funding earning assets | 1.4018% | 3,258 |
| Net interest margin | 4.1170% | 2,495 |
| Noninterest income to average assets | 0.1744% | 6,492 |
| Noninterest expense to average assets | 2.3579% | 6,201 |
| Loan and lease loss provision to assets | 0.4340% | 3,518 |
| Net operating income to assets | 0.8296% | 2,673 |
| Return on assets (ROA) | 0.8503% | 2,728 |
| Pretax return on assets | 1.3467% | 1,812 |
| Return on Equity (ROE) | 11.1024% | 1,554 |
| Retained earnings to average equity (ytd only) | 11.1024% | 368 |
| Net charge-offs to loans | 0.2375% | 4,860 |
| Credit loss provision to net charge-offs | 234.0426% | 1,253 |
| Earnings coverage of net charge-offs (x) | 9.4277% | 1,823 |
| Efficiency ratio | 57.4229% | 6,399 |
| Assets per employee ($millions) | 9.3582% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 4,999 |
| Loan loss allowance to noncurrent loans | 133.9641% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.7663% | 5,483 |
| Noncurrent loans to loans | 0.9706% | 5,108 |
| Net loans and leases to total assets | 77.9289% | 955 |
| Net loans and leases to deposits | 91.7863% | 1,284 |
| Net loans and leases to core deposits | 109.3577% | 959 |
| Total domestic deposits to total assets | 84.9025% | 3,910 |
| Equity capital to assets | 7.7884% | 6,680 |
| Core capital (leverage) ratio | 7.7400% | 6,506 |
| Tier 1 risk-based capital ratio | 10.6444% | 6,604 |
| Total risk-based capital ratio | 11.8964% | 6,571 |
| Memoranda: | ||
| Average total assets | $253,441,000 | 2,513 |
| Average earning assets | $242,045,800 | 2,407 |
| Average equity | $19,410,200 | 3,220 |
| Average total loans | $197,876,000 | 2,178 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5475% | 2,265 |
| Cost of funding earning assets | 1.4559% | 3,240 |
| Net interest margin | 4.0916% | 2,664 |
| Noninterest income to average assets | 0.1544% | 6,754 |
| Noninterest expense to average assets | 2.3043% | 6,313 |
| Loan and lease loss provision to assets | 0.4245% | 3,366 |
| Net operating income to assets | 0.8415% | 2,840 |
| Return on assets (ROA) | 0.8415% | 2,966 |
| Pretax return on assets | 1.3307% | 2,088 |
| Return on Equity (ROE) | 11.0362% | 1,774 |
| Retained earnings to average equity (ytd only) | 11.0362% | 600 |
| Net charge-offs to loans | 0.1029% | 5,503 |
| Credit loss provision to net charge-offs | 529.8013% | 547 |
| Earnings coverage of net charge-offs (x) | 21.9071% | 1,117 |
| Efficiency ratio | 56.7638% | 6,451 |
| Assets per employee ($millions) | 9.5064% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 4,805 |
| Loan loss allowance to noncurrent loans | 99.8894% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 1.3254% | 4,502 |
| Noncurrent loans to loans | 1.3296% | 4,642 |
| Net loans and leases to total assets | 78.4095% | 966 |
| Net loans and leases to deposits | 95.0325% | 1,094 |
| Net loans and leases to core deposits | 115.2900% | 777 |
| Total domestic deposits to total assets | 82.5081% | 4,800 |
| Equity capital to assets | 7.8236% | 6,916 |
| Core capital (leverage) ratio | 7.6222% | 6,746 |
| Tier 1 risk-based capital ratio | 10.5320% | 6,753 |
| Total risk-based capital ratio | 11.7844% | 6,740 |
| Memoranda: | ||
| Average total assets | $251,293,750 | 2,568 |
| Average earning assets | $239,837,500 | 2,464 |
| Average equity | $19,160,750 | 3,297 |
| Average total loans | $195,623,250 | 2,231 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4870% | 2,579 |
| Cost of funding earning assets | 1.5119% | 3,187 |
| Net interest margin | 3.9751% | 3,142 |
| Noninterest income to average assets | 0.1836% | 6,594 |
| Noninterest expense to average assets | 2.2918% | 6,378 |
| Loan and lease loss provision to assets | 0.4008% | 3,318 |
| Net operating income to assets | 0.8104% | 2,923 |
| Return on assets (ROA) | 0.8104% | 3,071 |
| Pretax return on assets | 1.2826% | 2,145 |
| Return on Equity (ROE) | 10.7245% | 1,849 |
| Retained earnings to average equity (ytd only) | 10.7245% | 707 |
| Net charge-offs to loans | 0.1037% | 5,108 |
| Credit loss provision to net charge-offs | 500.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,185 |
| Efficiency ratio | 57.6528% | 6,432 |
| Assets per employee ($millions) | 9.1392% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 5,273 |
| Loan loss allowance to noncurrent loans | 95.0174% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 1.3048% | 4,541 |
| Noncurrent loans to loans | 1.2983% | 4,785 |
| Net loans and leases to total assets | 76.9650% | 1,295 |
| Net loans and leases to deposits | 93.3780% | 1,358 |
| Net loans and leases to core deposits | 113.2416% | 965 |
| Total domestic deposits to total assets | 82.4231% | 4,814 |
| Equity capital to assets | 7.5933% | 7,058 |
| Core capital (leverage) ratio | 7.5253% | 6,805 |
| Tier 1 risk-based capital ratio | 10.4692% | 6,709 |
| Total risk-based capital ratio | 11.7204% | 6,690 |
| Memoranda: | ||
| Average total assets | $249,500,670 | 2,606 |
| Average earning assets | $237,980,330 | 2,502 |
| Average equity | $18,854,000 | 3,323 |
| Average total loans | $192,842,670 | 2,287 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4858% | 2,650 |
| Cost of funding earning assets | 1.6090% | 2,905 |
| Net interest margin | 3.8768% | 3,425 |
| Noninterest income to average assets | 0.1559% | 6,853 |
| Noninterest expense to average assets | 2.1892% | 6,714 |
| Loan and lease loss provision to assets | 0.3248% | 3,462 |
| Net operating income to assets | 0.8445% | 2,775 |
| Return on assets (ROA) | 0.8445% | 2,868 |
| Pretax return on assets | 1.3398% | 1,936 |
| Return on Equity (ROE) | 11.2036% | 1,719 |
| Retained earnings to average equity (ytd only) | 11.2036% | 880 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8057% | 6,653 |
| Assets per employee ($millions) | 9.4909% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 5,644 |
| Loan loss allowance to noncurrent loans | 125.8352% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.7278% | 5,708 |
| Noncurrent loans to loans | 0.9324% | 5,457 |
| Net loans and leases to total assets | 77.1392% | 1,304 |
| Net loans and leases to deposits | 94.7119% | 1,265 |
| Net loans and leases to core deposits | 112.2644% | 1,144 |
| Total domestic deposits to total assets | 81.4462% | 5,292 |
| Equity capital to assets | 7.6300% | 6,977 |
| Core capital (leverage) ratio | 7.4690% | 6,882 |
| Tier 1 risk-based capital ratio | 10.6757% | 6,467 |
| Total risk-based capital ratio | 11.9262% | 6,454 |
| Memoranda: | ||
| Average total assets | $246,302,000 | 2,687 |
| Average earning assets | $234,934,500 | 2,593 |
| Average equity | $18,565,500 | 3,383 |
| Average total loans | $189,558,000 | 2,380 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6297% | 3,447 |
| Cost of funding earning assets | 2.3398% | 1,492 |
| Net interest margin | 3.2898% | 5,783 |
| Noninterest income to average assets | 0.1574% | 6,946 |
| Noninterest expense to average assets | 2.3868% | 6,507 |
| Loan and lease loss provision to assets | 0.1205% | 6,436 |
| Net operating income to assets | 0.4938% | 3,753 |
| Return on assets (ROA) | 0.4602% | 4,011 |
| Pretax return on assets | 0.7400% | 3,443 |
| Return on Equity (ROE) | 6.4807% | 3,002 |
| Retained earnings to average equity (ytd only) | 6.4807% | 1,157 |
| Net charge-offs to loans | 0.1498% | 5,752 |
| Credit loss provision to net charge-offs | 104.5296% | 5,290 |
| Earnings coverage of net charge-offs (x) | 7.9233% | 2,038 |
| Efficiency ratio | 72.3290% | 4,213 |
| Assets per employee ($millions) | 8.7800% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 5,878 |
| Loan loss allowance to noncurrent loans | 292.1986% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 6,731 |
| Noncurrent loans to loans | 0.3780% | 6,520 |
| Net loans and leases to total assets | 75.0261% | 2,023 |
| Net loans and leases to deposits | 94.1305% | 1,576 |
| Net loans and leases to core deposits | 144.0346% | 674 |
| Total domestic deposits to total assets | 79.7044% | 5,772 |
| Equity capital to assets | 7.4451% | 7,084 |
| Core capital (leverage) ratio | 6.9986% | 7,241 |
| Tier 1 risk-based capital ratio | 10.6349% | 6,266 |
| Total risk-based capital ratio | 11.8557% | 6,272 |
| Memoranda: | ||
| Average total assets | $249,040,600 | 2,616 |
| Average earning assets | $237,883,200 | 2,523 |
| Average equity | $17,683,400 | 3,557 |
| Average total loans | $191,536,800 | 2,390 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6407% | 3,630 |
| Cost of funding earning assets | 2.4276% | 1,530 |
| Net interest margin | 3.2131% | 5,967 |
| Noninterest income to average assets | 0.1430% | 7,154 |
| Noninterest expense to average assets | 2.3268% | 6,633 |
| Loan and lease loss provision to assets | 0.1201% | 6,165 |
| Net operating income to assets | 0.4926% | 4,014 |
| Return on assets (ROA) | 0.4926% | 4,112 |
| Pretax return on assets | 0.7674% | 3,632 |
| Return on Equity (ROE) | 7.0208% | 3,057 |
| Retained earnings to average equity (ytd only) | 7.0208% | 1,492 |
| Net charge-offs to loans | 0.0187% | 6,648 |
| Credit loss provision to net charge-offs | 833.3333% | 457 |
| Earnings coverage of net charge-offs (x) | 61.5911% | 534 |
| Efficiency ratio | 72.3892% | 4,177 |
| Assets per employee ($millions) | 10.3600% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 5,141 |
| Loan loss allowance to noncurrent loans | 168.1648% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 6,177 |
| Noncurrent loans to loans | 0.7110% | 5,881 |
| Net loans and leases to total assets | 71.6317% | 3,122 |
| Net loans and leases to deposits | 89.6274% | 2,644 |
| Net loans and leases to core deposits | 150.5355% | 571 |
| Total domestic deposits to total assets | 79.9216% | 5,459 |
| Equity capital to assets | 7.0127% | 7,591 |
| Core capital (leverage) ratio | 6.9614% | 7,459 |
| Tier 1 risk-based capital ratio | 10.5081% | 6,462 |
| Total risk-based capital ratio | 11.7589% | 6,413 |
| Memoranda: | ||
| Average total assets | $249,840,500 | 2,626 |
| Average earning assets | $238,805,250 | 2,532 |
| Average equity | $17,528,500 | 3,608 |
| Average total loans | $192,794,750 | 2,392 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7698% | 3,194 |
| Cost of funding earning assets | 2.5122% | 1,568 |
| Net interest margin | 3.2576% | 5,706 |
| Noninterest income to average assets | 0.1410% | 7,246 |
| Noninterest expense to average assets | 2.2862% | 6,792 |
| Loan and lease loss provision to assets | 0.1216% | 5,900 |
| Net operating income to assets | 0.5373% | 3,952 |
| Return on assets (ROA) | 0.5373% | 4,055 |
| Pretax return on assets | 0.8428% | 3,528 |
| Return on Equity (ROE) | 7.6572% | 2,901 |
| Retained earnings to average equity (ytd only) | 7.6572% | 1,331 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3316% | 4,709 |
| Assets per employee ($millions) | 10.1688% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 5,207 |
| Loan loss allowance to noncurrent loans | 114.9059% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 5,526 |
| Noncurrent loans to loans | 1.0082% | 5,191 |
| Net loans and leases to total assets | 73.7374% | 2,775 |
| Net loans and leases to deposits | 92.2888% | 2,413 |
| Net loans and leases to core deposits | 155.1852% | 543 |
| Total domestic deposits to total assets | 79.8986% | 5,509 |
| Equity capital to assets | 6.9495% | 7,636 |
| Core capital (leverage) ratio | 7.0975% | 7,456 |
| Tier 1 risk-based capital ratio | 10.3894% | 6,490 |
| Total risk-based capital ratio | 11.6403% | 6,429 |
| Memoranda: | ||
| Average total assets | $246,787,330 | 2,672 |
| Average earning assets | $235,570,670 | 2,568 |
| Average equity | $17,317,000 | 3,657 |
| Average total loans | $194,469,330 | 2,408 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8725% | 2,926 |
| Cost of funding earning assets | 2.6805% | 1,324 |
| Net interest margin | 3.1920% | 5,881 |
| Noninterest income to average assets | 0.1201% | 7,419 |
| Noninterest expense to average assets | 2.2150% | 6,825 |
| Loan and lease loss provision to assets | 0.1234% | 5,381 |
| Net operating income to assets | 0.5250% | 4,319 |
| Return on assets (ROA) | 0.5250% | 4,506 |
| Pretax return on assets | 0.8212% | 4,005 |
| Return on Equity (ROE) | 7.4437% | 3,405 |
| Retained earnings to average equity (ytd only) | 7.4437% | 2,046 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1042% | 4,557 |
| Assets per employee ($millions) | 9.7946% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 5,630 |
| Loan loss allowance to noncurrent loans | 112.9324% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7674% | 5,246 |
| Noncurrent loans to loans | 0.9539% | 5,088 |
| Net loans and leases to total assets | 79.5776% | 1,461 |
| Net loans and leases to deposits | 99.7492% | 1,446 |
| Net loans and leases to core deposits | 168.6490% | 367 |
| Total domestic deposits to total assets | 79.7778% | 5,443 |
| Equity capital to assets | 7.0758% | 7,639 |
| Core capital (leverage) ratio | 7.0606% | 7,597 |
| Tier 1 risk-based capital ratio | 9.9813% | 6,946 |
| Total risk-based capital ratio | 11.2204% | 6,860 |
| Memoranda: | ||
| Average total assets | $243,070,500 | 2,734 |
| Average earning assets | $231,452,000 | 2,631 |
| Average equity | $17,142,000 | 3,710 |
| Average total loans | $196,877,500 | 2,401 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4163% | 3,328 |
| Cost of funding earning assets | 3.1890% | 1,229 |
| Net interest margin | 3.2273% | 6,279 |
| Noninterest income to average assets | 0.1510% | 7,340 |
| Noninterest expense to average assets | 2.2326% | 6,887 |
| Loan and lease loss provision to assets | 0.1977% | 4,909 |
| Net operating income to assets | 0.5214% | 4,646 |
| Return on assets (ROA) | 0.3056% | 5,342 |
| Pretax return on assets | 0.4411% | 5,155 |
| Return on Equity (ROE) | 4.1901% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.1901% | 2,515 |
| Net charge-offs to loans | 0.0016% | 7,011 |
| Credit loss provision to net charge-offs | 14,833.3333% | 43 |
| Earnings coverage of net charge-offs (x) | 714.0000% | 77 |
| Efficiency ratio | 70.1172% | 4,330 |
| Assets per employee ($millions) | 9.6511% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 5,713 |
| Loan loss allowance to noncurrent loans | 104.5455% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 4,815 |
| Noncurrent loans to loans | 0.9950% | 4,605 |
| Net loans and leases to total assets | 80.7077% | 1,501 |
| Net loans and leases to deposits | 103.5341% | 1,393 |
| Net loans and leases to core deposits | 168.5965% | 427 |
| Total domestic deposits to total assets | 77.9527% | 5,728 |
| Equity capital to assets | 7.0284% | 7,723 |
| Core capital (leverage) ratio | 7.0629% | 7,646 |
| Tier 1 risk-based capital ratio | 9.8952% | 6,858 |
| Total risk-based capital ratio | 11.1032% | 6,780 |
| Memoranda: | ||
| Average total assets | $225,123,400 | 2,829 |
| Average earning assets | $211,571,200 | 2,755 |
| Average equity | $16,419,800 | 3,845 |
| Average total loans | $186,847,000 | 2,432 |