Home > West End Bank, S.B. > Performance and Condition Ratios
West End Bank, S.B., 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 | 5.4865% | 388 |
| Cost of funding earning assets | 1.3142% | 545 |
| Net interest margin | 4.1722% | 976 |
| Noninterest income to average assets | 0.4922% | 2,589 |
| Noninterest expense to average assets | 3.7225% | 689 |
| Loan and lease loss provision to assets | 1.5384% | 96 |
| Net operating income to assets | -0.7267% | 4,961 |
| Return on assets (ROA) | -0.7267% | 4,943 |
| Pretax return on assets | -0.9817% | 4,954 |
| Return on Equity (ROE) | -6.9683% | 4,964 |
| Retained earnings to average equity (ytd only) | -6.9683% | 4,646 |
| Net charge-offs to loans | 0.8169% | 181 |
| Credit loss provision to net charge-offs | 224.4000% | 1,354 |
| Earnings coverage of net charge-offs (x) | 0.8120% | 2,440 |
| Efficiency ratio | 86.9913% | 639 |
| Assets per employee ($millions) | 3.8880% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 2,046 |
| Loan loss allowance to noncurrent loans | 77.9821% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.4051% | 797 |
| Noncurrent loans to loans | 1.6947% | 894 |
| Net loans and leases to total assets | 81.4434% | 512 |
| Net loans and leases to deposits | 114.0933% | 132 |
| Net loans and leases to core deposits | 124.3005% | 360 |
| Total domestic deposits to total assets | 71.3831% | 4,801 |
| Equity capital to assets | 10.2349% | 3,572 |
| Core capital (leverage) ratio | 10.3765% | 3,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1449% | 2,218 |
| Memoranda: | ||
| Average total assets | $291,738,000 | 2,255 |
| Average earning assets | $264,797,500 | 2,290 |
| Average equity | $30,423,500 | 2,428 |
| Average total loans | $244,826,500 | 1,898 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5964% | 477 |
| Cost of funding earning assets | 1.3232% | 725 |
| Net interest margin | 4.2732% | 1,157 |
| Noninterest income to average assets | 0.5135% | 2,658 |
| Noninterest expense to average assets | 3.5194% | 939 |
| Loan and lease loss provision to assets | 0.4355% | 319 |
| Net operating income to assets | 0.3443% | 4,690 |
| Return on assets (ROA) | 0.3467% | 4,717 |
| Pretax return on assets | 0.4419% | 4,651 |
| Return on Equity (ROE) | 3.4072% | 4,594 |
| Retained earnings to average equity (ytd only) | 0.9286% | 4,408 |
| Net charge-offs to loans | 0.7021% | 239 |
| Credit loss provision to net charge-offs | 74.6828% | 2,858 |
| Earnings coverage of net charge-offs (x) | 1.4994% | 3,530 |
| Efficiency ratio | 80.1010% | 936 |
| Assets per employee ($millions) | 3.8398% | 4,111 |
| Cash dividends to net income (ytd only)* | 72.7449% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0579% | 3,175 |
| Loan loss allowance to noncurrent loans | 76.0901% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.2160% | 961 |
| Noncurrent loans to loans | 1.3903% | 1,054 |
| Net loans and leases to total assets | 84.4392% | 286 |
| Net loans and leases to deposits | 118.9575% | 85 |
| Net loans and leases to core deposits | 130.6581% | 267 |
| Total domestic deposits to total assets | 70.9826% | 4,896 |
| Equity capital to assets | 10.6418% | 3,318 |
| Core capital (leverage) ratio | 10.3837% | 3,088 |
| Tier 1 risk-based capital ratio | 13.0784% | 3,758 |
| Total risk-based capital ratio | 14.1851% | 3,701 |
| Memoranda: | ||
| Average total assets | $297,380,800 | 2,174 |
| Average earning assets | $270,031,400 | 2,207 |
| Average equity | $30,259,600 | 2,377 |
| Average total loans | $246,957,800 | 1,841 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5439% | 546 |
| Cost of funding earning assets | 1.3053% | 772 |
| Net interest margin | 4.2386% | 1,286 |
| Noninterest income to average assets | 0.5044% | 2,698 |
| Noninterest expense to average assets | 3.2331% | 1,404 |
| Loan and lease loss provision to assets | 0.4350% | 297 |
| Net operating income to assets | 0.5333% | 4,444 |
| Return on assets (ROA) | 0.5365% | 4,491 |
| Pretax return on assets | 0.6899% | 4,369 |
| Return on Equity (ROE) | 5.3309% | 4,235 |
| Retained earnings to average equity (ytd only) | 2.0157% | 4,263 |
| Net charge-offs to loans | 0.6525% | 246 |
| Credit loss provision to net charge-offs | 80.8264% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.0827% | 3,221 |
| Efficiency ratio | 74.2542% | 1,526 |
| Assets per employee ($millions) | 3.8355% | 4,120 |
| Cash dividends to net income (ytd only)* | 62.1894% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 2,851 |
| Loan loss allowance to noncurrent loans | 91.1392% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.0298% | 1,297 |
| Noncurrent loans to loans | 1.2453% | 1,250 |
| Net loans and leases to total assets | 81.7633% | 596 |
| Net loans and leases to deposits | 112.1168% | 177 |
| Net loans and leases to core deposits | 122.6230% | 454 |
| Total domestic deposits to total assets | 72.9269% | 4,873 |
| Equity capital to assets | 10.2901% | 3,739 |
| Core capital (leverage) ratio | 10.3015% | 3,311 |
| Tier 1 risk-based capital ratio | 13.1622% | 3,755 |
| Total risk-based capital ratio | 14.3593% | 3,698 |
| Memoranda: | ||
| Average total assets | $299,729,500 | 2,185 |
| Average earning assets | $272,219,500 | 2,214 |
| Average equity | $30,162,750 | 2,397 |
| Average total loans | $247,254,000 | 1,852 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5224% | 545 |
| Cost of funding earning assets | 1.2741% | 808 |
| Net interest margin | 4.2483% | 1,243 |
| Noninterest income to average assets | 0.5368% | 2,462 |
| Noninterest expense to average assets | 3.2469% | 1,410 |
| Loan and lease loss provision to assets | 0.4441% | 273 |
| Net operating income to assets | 0.5534% | 4,416 |
| Return on assets (ROA) | 0.5582% | 4,440 |
| Pretax return on assets | 0.7075% | 4,313 |
| Return on Equity (ROE) | 5.5883% | 4,178 |
| Retained earnings to average equity (ytd only) | 0.5809% | 4,544 |
| Net charge-offs to loans | 0.6489% | 235 |
| Credit loss provision to net charge-offs | 83.0424% | 2,198 |
| Earnings coverage of net charge-offs (x) | 2.1421% | 2,967 |
| Efficiency ratio | 73.9183% | 1,657 |
| Assets per employee ($millions) | 3.8121% | 4,109 |
| Cash dividends to net income (ytd only)* | 89.6057% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 2,664 |
| Loan loss allowance to noncurrent loans | 175.2565% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.5502% | 2,361 |
| Noncurrent loans to loans | 0.6682% | 2,291 |
| Net loans and leases to total assets | 81.3765% | 687 |
| Net loans and leases to deposits | 110.9908% | 202 |
| Net loans and leases to core deposits | 121.1094% | 514 |
| Total domestic deposits to total assets | 73.3182% | 4,880 |
| Equity capital to assets | 10.0745% | 3,915 |
| Core capital (leverage) ratio | 10.2029% | 3,379 |
| Tier 1 risk-based capital ratio | 12.9306% | 3,874 |
| Total risk-based capital ratio | 14.1615% | 3,785 |
| Memoranda: | ||
| Average total assets | $299,915,670 | 2,185 |
| Average earning assets | $272,202,670 | 2,213 |
| Average equity | $29,955,330 | 2,401 |
| Average total loans | $247,198,670 | 1,860 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4696% | 550 |
| Cost of funding earning assets | 1.2737% | 717 |
| Net interest margin | 4.1959% | 1,311 |
| Noninterest income to average assets | 0.6228% | 1,947 |
| Noninterest expense to average assets | 3.3118% | 1,262 |
| Loan and lease loss provision to assets | 0.4450% | 245 |
| Net operating income to assets | 0.5226% | 4,456 |
| Return on assets (ROA) | 0.5226% | 4,477 |
| Pretax return on assets | 0.6656% | 4,384 |
| Return on Equity (ROE) | 5.2548% | 4,261 |
| Retained earnings to average equity (ytd only) | -4.8248% | 4,916 |
| Net charge-offs to loans | 0.7018% | 214 |
| Credit loss provision to net charge-offs | 76.9053% | 1,803 |
| Earnings coverage of net charge-offs (x) | 1.9192% | 2,546 |
| Efficiency ratio | 74.8867% | 1,626 |
| Assets per employee ($millions) | 3.6436% | 4,414 |
| Cash dividends to net income (ytd only)* | 191.8159% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 2,593 |
| Loan loss allowance to noncurrent loans | 157.1352% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6262% | 2,204 |
| Noncurrent loans to loans | 0.7621% | 2,124 |
| Net loans and leases to total assets | 81.1828% | 687 |
| Net loans and leases to deposits | 110.6381% | 203 |
| Net loans and leases to core deposits | 120.2418% | 523 |
| Total domestic deposits to total assets | 73.3769% | 4,974 |
| Equity capital to assets | 9.9393% | 3,881 |
| Core capital (leverage) ratio | 10.1137% | 3,476 |
| Tier 1 risk-based capital ratio | 12.7923% | 3,982 |
| Total risk-based capital ratio | 14.0423% | 3,882 |
| Memoranda: | ||
| Average total assets | $299,295,000 | 2,199 |
| Average earning assets | $271,026,000 | 2,232 |
| Average equity | $29,763,000 | 2,419 |
| Average total loans | $246,810,500 | 1,879 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4342% | 457 |
| Cost of funding earning assets | 1.1325% | 452 |
| Net interest margin | 4.3018% | 1,153 |
| Noninterest income to average assets | 0.6220% | 2,180 |
| Noninterest expense to average assets | 3.1838% | 1,593 |
| Loan and lease loss provision to assets | 0.6381% | 172 |
| Net operating income to assets | 0.5513% | 4,546 |
| Return on assets (ROA) | 0.5513% | 4,542 |
| Pretax return on assets | 0.7046% | 4,405 |
| Return on Equity (ROE) | 5.8197% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.8197% | 2,285 |
| Net charge-offs to loans | 0.6614% | 254 |
| Credit loss provision to net charge-offs | 117.8463% | 2,206 |
| Earnings coverage of net charge-offs (x) | 2.4797% | 3,513 |
| Efficiency ratio | 70.3379% | 2,130 |
| Assets per employee ($millions) | 3.6973% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 2,436 |
| Loan loss allowance to noncurrent loans | 204.9899% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.5005% | 2,582 |
| Noncurrent loans to loans | 0.5977% | 2,489 |
| Net loans and leases to total assets | 81.8365% | 674 |
| Net loans and leases to deposits | 112.3927% | 195 |
| Net loans and leases to core deposits | 123.1777% | 464 |
| Total domestic deposits to total assets | 72.8130% | 5,018 |
| Equity capital to assets | 9.9604% | 3,716 |
| Core capital (leverage) ratio | 9.9706% | 3,617 |
| Tier 1 risk-based capital ratio | 12.7635% | 3,984 |
| Total risk-based capital ratio | 14.0137% | 3,865 |
| Memoranda: | ||
| Average total assets | $305,299,400 | 2,121 |
| Average earning assets | $277,095,200 | 2,153 |
| Average equity | $28,918,800 | 2,398 |
| Average total loans | $249,919,200 | 1,823 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3552% | 467 |
| Cost of funding earning assets | 1.0945% | 413 |
| Net interest margin | 4.2607% | 1,208 |
| Noninterest income to average assets | 0.6746% | 1,959 |
| Noninterest expense to average assets | 3.1529% | 1,634 |
| Loan and lease loss provision to assets | 0.6737% | 147 |
| Net operating income to assets | 0.5694% | 4,592 |
| Return on assets (ROA) | 0.5694% | 4,594 |
| Pretax return on assets | 0.7176% | 4,495 |
| Return on Equity (ROE) | 6.0877% | 4,240 |
| Retained earnings to average equity (ytd only) | 6.0877% | 2,614 |
| Net charge-offs to loans | 0.6476% | 221 |
| Credit loss provision to net charge-offs | 127.4671% | 1,922 |
| Earnings coverage of net charge-offs (x) | 2.6324% | 3,228 |
| Efficiency ratio | 69.3831% | 2,290 |
| Assets per employee ($millions) | 3.9032% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 2,553 |
| Loan loss allowance to noncurrent loans | 193.1619% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.5221% | 2,653 |
| Noncurrent loans to loans | 0.6278% | 2,516 |
| Net loans and leases to total assets | 81.3453% | 820 |
| Net loans and leases to deposits | 110.4735% | 275 |
| Net loans and leases to core deposits | 120.2400% | 565 |
| Total domestic deposits to total assets | 73.6333% | 5,011 |
| Equity capital to assets | 9.4882% | 4,088 |
| Core capital (leverage) ratio | 9.7161% | 3,929 |
| Tier 1 risk-based capital ratio | 12.2387% | 4,354 |
| Total risk-based capital ratio | 13.4887% | 4,245 |
| Memoranda: | ||
| Average total assets | $306,753,000 | 2,121 |
| Average earning assets | $278,603,000 | 2,154 |
| Average equity | $28,691,000 | 2,422 |
| Average total loans | $250,367,000 | 1,824 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3106% | 457 |
| Cost of funding earning assets | 1.0561% | 355 |
| Net interest margin | 4.2545% | 1,147 |
| Noninterest income to average assets | 0.6636% | 2,034 |
| Noninterest expense to average assets | 3.1592% | 1,640 |
| Loan and lease loss provision to assets | 0.6753% | 147 |
| Net operating income to assets | 0.5153% | 4,714 |
| Return on assets (ROA) | 0.5153% | 4,720 |
| Pretax return on assets | 0.6917% | 4,536 |
| Return on Equity (ROE) | 5.5364% | 4,394 |
| Retained earnings to average equity (ytd only) | 5.5364% | 2,804 |
| Net charge-offs to loans | 0.5650% | 260 |
| Credit loss provision to net charge-offs | 146.8750% | 1,598 |
| Earnings coverage of net charge-offs (x) | 2.9730% | 2,927 |
| Efficiency ratio | 69.7980% | 2,349 |
| Assets per employee ($millions) | 3.9420% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 2,664 |
| Loan loss allowance to noncurrent loans | 288.0975% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 3,327 |
| Noncurrent loans to loans | 0.4195% | 3,196 |
| Net loans and leases to total assets | 80.6935% | 910 |
| Net loans and leases to deposits | 108.9787% | 312 |
| Net loans and leases to core deposits | 117.4056% | 659 |
| Total domestic deposits to total assets | 74.0453% | 5,037 |
| Equity capital to assets | 9.2605% | 4,325 |
| Core capital (leverage) ratio | 9.6396% | 3,958 |
| Tier 1 risk-based capital ratio | 11.9725% | 4,518 |
| Total risk-based capital ratio | 13.2202% | 4,394 |
| Memoranda: | ||
| Average total assets | $306,220,330 | 2,135 |
| Average earning assets | $278,008,670 | 2,167 |
| Average equity | $28,502,330 | 2,444 |
| Average total loans | $249,186,670 | 1,838 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2675% | 431 |
| Cost of funding earning assets | 1.0181% | 341 |
| Net interest margin | 4.2495% | 1,051 |
| Noninterest income to average assets | 0.7088% | 1,791 |
| Noninterest expense to average assets | 3.1434% | 1,704 |
| Loan and lease loss provision to assets | 0.7312% | 129 |
| Net operating income to assets | 0.5125% | 4,661 |
| Return on assets (ROA) | 0.5125% | 4,662 |
| Pretax return on assets | 0.6890% | 4,469 |
| Return on Equity (ROE) | 5.4916% | 4,320 |
| Retained earnings to average equity (ytd only) | 5.4916% | 2,956 |
| Net charge-offs to loans | 0.5320% | 278 |
| Credit loss provision to net charge-offs | 169.2073% | 1,157 |
| Earnings coverage of net charge-offs (x) | 3.2866% | 2,400 |
| Efficiency ratio | 68.8799% | 2,686 |
| Assets per employee ($millions) | 3.9533% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 2,781 |
| Loan loss allowance to noncurrent loans | 367.3671% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 3,769 |
| Noncurrent loans to loans | 0.3279% | 3,592 |
| Net loans and leases to total assets | 79.0447% | 1,073 |
| Net loans and leases to deposits | 105.9735% | 384 |
| Net loans and leases to core deposits | 114.1731% | 799 |
| Total domestic deposits to total assets | 74.5891% | 5,098 |
| Equity capital to assets | 9.2260% | 4,335 |
| Core capital (leverage) ratio | 9.6601% | 3,892 |
| Tier 1 risk-based capital ratio | 11.9936% | 4,548 |
| Total risk-based capital ratio | 13.2214% | 4,459 |
| Memoranda: | ||
| Average total assets | $303,621,000 | 2,170 |
| Average earning assets | $275,423,500 | 2,207 |
| Average equity | $28,334,000 | 2,478 |
| Average total loans | $246,595,500 | 1,871 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2981% | 368 |
| Cost of funding earning assets | 0.8191% | 561 |
| Net interest margin | 4.4789% | 644 |
| Noninterest income to average assets | 0.3856% | 3,728 |
| Noninterest expense to average assets | 3.3168% | 1,339 |
| Loan and lease loss provision to assets | 0.6884% | 177 |
| Net operating income to assets | 0.2657% | 4,994 |
| Return on assets (ROA) | 0.2657% | 5,013 |
| Pretax return on assets | 0.4370% | 5,032 |
| Return on Equity (ROE) | 2.8108% | 4,887 |
| Retained earnings to average equity (ytd only) | 2.8108% | 3,627 |
| Net charge-offs to loans | 0.6489% | 338 |
| Credit loss provision to net charge-offs | 130.1352% | 2,019 |
| Earnings coverage of net charge-offs (x) | 2.1275% | 3,798 |
| Efficiency ratio | 74.6645% | 1,799 |
| Assets per employee ($millions) | 3.7834% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 3,271 |
| Loan loss allowance to noncurrent loans | 333.5358% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 3,735 |
| Noncurrent loans to loans | 0.3339% | 3,572 |
| Net loans and leases to total assets | 81.5478% | 746 |
| Net loans and leases to deposits | 107.0323% | 354 |
| Net loans and leases to core deposits | 114.1867% | 790 |
| Total domestic deposits to total assets | 76.1899% | 4,958 |
| Equity capital to assets | 9.4414% | 4,281 |
| Core capital (leverage) ratio | 9.6310% | 3,885 |
| Tier 1 risk-based capital ratio | 11.8631% | 4,619 |
| Total risk-based capital ratio | 13.0054% | 4,568 |
| Memoranda: | ||
| Average total assets | $293,565,200 | 2,200 |
| Average earning assets | $265,888,800 | 2,241 |
| Average equity | $27,750,000 | 2,501 |
| Average total loans | $239,326,400 | 1,876 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2744% | 359 |
| Cost of funding earning assets | 0.7839% | 634 |
| Net interest margin | 4.4906% | 612 |
| Noninterest income to average assets | 0.3796% | 3,812 |
| Noninterest expense to average assets | 3.4186% | 1,123 |
| Loan and lease loss provision to assets | 0.5229% | 215 |
| Net operating income to assets | 0.3321% | 5,150 |
| Return on assets (ROA) | 0.3321% | 5,180 |
| Pretax return on assets | 0.5051% | 5,017 |
| Return on Equity (ROE) | 3.5126% | 4,976 |
| Retained earnings to average equity (ytd only) | 3.5126% | 3,821 |
| Net charge-offs to loans | 0.5529% | 360 |
| Credit loss provision to net charge-offs | 116.3452% | 2,055 |
| Earnings coverage of net charge-offs (x) | 2.2873% | 3,485 |
| Efficiency ratio | 76.8828% | 1,473 |
| Assets per employee ($millions) | 3.7595% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 4,056 |
| Loan loss allowance to noncurrent loans | 231.0900% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 3,254 |
| Noncurrent loans to loans | 0.4327% | 3,410 |
| Net loans and leases to total assets | 81.2733% | 795 |
| Net loans and leases to deposits | 107.8600% | 346 |
| Net loans and leases to core deposits | 115.2100% | 782 |
| Total domestic deposits to total assets | 75.3507% | 5,092 |
| Equity capital to assets | 9.4725% | 4,470 |
| Core capital (leverage) ratio | 9.7152% | 3,921 |
| Tier 1 risk-based capital ratio | 12.0596% | 4,564 |
| Total risk-based capital ratio | 13.0962% | 4,606 |
| Memoranda: | ||
| Average total assets | $292,235,000 | 2,224 |
| Average earning assets | $264,666,250 | 2,265 |
| Average equity | $27,632,750 | 2,529 |
| Average total loans | $237,538,000 | 1,904 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2447% | 362 |
| Cost of funding earning assets | 0.7630% | 642 |
| Net interest margin | 4.4816% | 589 |
| Noninterest income to average assets | 0.3372% | 4,136 |
| Noninterest expense to average assets | 3.4454% | 1,086 |
| Loan and lease loss provision to assets | 0.5257% | 213 |
| Net operating income to assets | 0.2890% | 5,249 |
| Return on assets (ROA) | 0.2890% | 5,261 |
| Pretax return on assets | 0.4280% | 5,122 |
| Return on Equity (ROE) | 3.0583% | 5,104 |
| Retained earnings to average equity (ytd only) | 3.0583% | 3,890 |
| Net charge-offs to loans | 0.5700% | 341 |
| Credit loss provision to net charge-offs | 113.8599% | 1,844 |
| Earnings coverage of net charge-offs (x) | 2.0656% | 3,212 |
| Efficiency ratio | 78.3200% | 1,417 |
| Assets per employee ($millions) | 3.7697% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 4,183 |
| Loan loss allowance to noncurrent loans | 248.9496% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 1.0543% | 1,660 |
| Noncurrent loans to loans | 0.3991% | 3,598 |
| Net loans and leases to total assets | 80.3156% | 905 |
| Net loans and leases to deposits | 104.7208% | 457 |
| Net loans and leases to core deposits | 112.5617% | 873 |
| Total domestic deposits to total assets | 76.6950% | 5,004 |
| Equity capital to assets | 9.4212% | 4,492 |
| Core capital (leverage) ratio | 9.6130% | 4,006 |
| Tier 1 risk-based capital ratio | 12.0883% | 4,572 |
| Total risk-based capital ratio | 13.1122% | 4,615 |
| Memoranda: | ||
| Average total assets | $290,647,330 | 2,242 |
| Average earning assets | $263,430,000 | 2,276 |
| Average equity | $27,466,000 | 2,536 |
| Average total loans | $235,444,670 | 1,915 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1549% | 406 |
| Cost of funding earning assets | 0.7458% | 671 |
| Net interest margin | 4.4091% | 627 |
| Noninterest income to average assets | 0.6465% | 2,198 |
| Noninterest expense to average assets | 3.1590% | 1,721 |
| Loan and lease loss provision to assets | 0.4956% | 209 |
| Net operating income to assets | 0.6492% | 3,939 |
| Return on assets (ROA) | 0.6492% | 3,972 |
| Pretax return on assets | 0.9939% | 3,395 |
| Return on Equity (ROE) | 6.8597% | 3,464 |
| Retained earnings to average equity (ytd only) | 6.8597% | 1,905 |
| Net charge-offs to loans | 0.5353% | 333 |
| Credit loss provision to net charge-offs | 114.3770% | 1,445 |
| Earnings coverage of net charge-offs (x) | 3.4377% | 2,485 |
| Efficiency ratio | 67.9571% | 3,207 |
| Assets per employee ($millions) | 3.8793% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 4,300 |
| Loan loss allowance to noncurrent loans | 226.5366% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 1.1965% | 1,473 |
| Noncurrent loans to loans | 0.4408% | 3,510 |
| Net loans and leases to total assets | 79.1252% | 963 |
| Net loans and leases to deposits | 100.9968% | 551 |
| Net loans and leases to core deposits | 108.2786% | 957 |
| Total domestic deposits to total assets | 78.3443% | 4,927 |
| Equity capital to assets | 9.4943% | 4,287 |
| Core capital (leverage) ratio | 9.7199% | 3,847 |
| Tier 1 risk-based capital ratio | 12.4157% | 4,436 |
| Total risk-based capital ratio | 13.4468% | 4,484 |
| Memoranda: | ||
| Average total assets | $288,951,000 | 2,265 |
| Average earning assets | $262,276,000 | 2,302 |
| Average equity | $27,348,000 | 2,555 |
| Average total loans | $233,902,000 | 1,933 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2779% | 368 |
| Cost of funding earning assets | 0.7413% | 660 |
| Net interest margin | 4.5366% | 571 |
| Noninterest income to average assets | 0.6885% | 2,224 |
| Noninterest expense to average assets | 3.1564% | 1,881 |
| Loan and lease loss provision to assets | 0.6670% | 193 |
| Net operating income to assets | 0.6992% | 3,789 |
| Return on assets (ROA) | 0.7312% | 3,749 |
| Pretax return on assets | 1.1116% | 3,057 |
| Return on Equity (ROE) | 7.4353% | 3,247 |
| Retained earnings to average equity (ytd only) | 0.5137% | 5,126 |
| Net charge-offs to loans | 0.7736% | 268 |
| Credit loss provision to net charge-offs | 104.7244% | 2,475 |
| Earnings coverage of net charge-offs (x) | 2.7165% | 3,782 |
| Efficiency ratio | 64.5920% | 3,834 |
| Assets per employee ($millions) | 3.8204% | 4,267 |
| Cash dividends to net income (ytd only)* | 93.0916% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 4,487 |
| Loan loss allowance to noncurrent loans | 174.6166% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 1.3287% | 1,310 |
| Noncurrent loans to loans | 0.5542% | 3,183 |
| Net loans and leases to total assets | 81.3164% | 696 |
| Net loans and leases to deposits | 103.1394% | 457 |
| Net loans and leases to core deposits | 110.3347% | 881 |
| Total domestic deposits to total assets | 78.8413% | 4,828 |
| Equity capital to assets | 9.4486% | 4,327 |
| Core capital (leverage) ratio | 9.5782% | 3,995 |
| Tier 1 risk-based capital ratio | 12.1642% | 4,607 |
| Total risk-based capital ratio | 13.1744% | 4,660 |
| Memoranda: | ||
| Average total assets | $279,144,600 | 2,288 |
| Average earning assets | $258,323,200 | 2,292 |
| Average equity | $27,450,200 | 2,540 |
| Average total loans | $229,844,400 | 1,904 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2396% | 401 |
| Cost of funding earning assets | 0.7411% | 662 |
| Net interest margin | 4.4984% | 634 |
| Noninterest income to average assets | 0.6957% | 2,189 |
| Noninterest expense to average assets | 3.1316% | 1,949 |
| Loan and lease loss provision to assets | 0.6255% | 183 |
| Net operating income to assets | 0.7274% | 3,708 |
| Return on assets (ROA) | 0.7683% | 3,662 |
| Pretax return on assets | 1.1838% | 2,901 |
| Return on Equity (ROE) | 7.7352% | 3,156 |
| Retained earnings to average equity (ytd only) | 2.1686% | 4,609 |
| Net charge-offs to loans | 0.6384% | 317 |
| Credit loss provision to net charge-offs | 118.9214% | 2,099 |
| Earnings coverage of net charge-offs (x) | 3.3199% | 3,437 |
| Efficiency ratio | 64.1991% | 3,896 |
| Assets per employee ($millions) | 3.7575% | 4,379 |
| Cash dividends to net income (ytd only)* | 71.9653% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 4,290 |
| Loan loss allowance to noncurrent loans | 67.7966% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.4599% | 1,241 |
| Noncurrent loans to loans | 1.5057% | 1,435 |
| Net loans and leases to total assets | 81.4867% | 686 |
| Net loans and leases to deposits | 103.5820% | 479 |
| Net loans and leases to core deposits | 113.6708% | 737 |
| Total domestic deposits to total assets | 78.6688% | 4,794 |
| Equity capital to assets | 9.6685% | 4,498 |
| Core capital (leverage) ratio | 9.8481% | 3,751 |
| Tier 1 risk-based capital ratio | 12.2778% | 4,625 |
| Total risk-based capital ratio | 13.3443% | 4,640 |
| Memoranda: | ||
| Average total assets | $277,298,250 | 2,310 |
| Average earning assets | $257,801,500 | 2,305 |
| Average equity | $27,544,500 | 2,552 |
| Average total loans | $228,487,250 | 1,917 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1999% | 426 |
| Cost of funding earning assets | 0.7489% | 635 |
| Net interest margin | 4.4511% | 687 |
| Noninterest income to average assets | 0.8057% | 1,693 |
| Noninterest expense to average assets | 3.2185% | 1,766 |
| Loan and lease loss provision to assets | 0.5587% | 215 |
| Net operating income to assets | 0.7652% | 3,481 |
| Return on assets (ROA) | 0.7766% | 3,567 |
| Pretax return on assets | 1.1984% | 2,789 |
| Return on Equity (ROE) | 7.7463% | 3,120 |
| Retained earnings to average equity (ytd only) | 7.7463% | 1,269 |
| Net charge-offs to loans | 0.5789% | 359 |
| Credit loss provision to net charge-offs | 117.0992% | 1,894 |
| Earnings coverage of net charge-offs (x) | 3.6458% | 3,080 |
| Efficiency ratio | 64.9133% | 3,861 |
| Assets per employee ($millions) | 3.6564% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 4,543 |
| Loan loss allowance to noncurrent loans | 65.6134% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 1.5499% | 1,215 |
| Noncurrent loans to loans | 1.5209% | 1,432 |
| Net loans and leases to total assets | 82.2926% | 596 |
| Net loans and leases to deposits | 104.1656% | 453 |
| Net loans and leases to core deposits | 114.2930% | 711 |
| Total domestic deposits to total assets | 79.0017% | 4,787 |
| Equity capital to assets | 10.1627% | 4,008 |
| Core capital (leverage) ratio | 10.1861% | 3,346 |
| Tier 1 risk-based capital ratio | 12.7637% | 4,337 |
| Total risk-based capital ratio | 13.8079% | 4,389 |
| Memoranda: | ||
| Average total assets | $274,542,000 | 2,335 |
| Average earning assets | $256,119,000 | 2,329 |
| Average equity | $27,522,670 | 2,565 |
| Average total loans | $226,283,330 | 1,942 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1453% | 457 |
| Cost of funding earning assets | 0.7555% | 617 |
| Net interest margin | 4.3899% | 756 |
| Noninterest income to average assets | 0.5292% | 2,940 |
| Noninterest expense to average assets | 3.1429% | 1,973 |
| Loan and lease loss provision to assets | 0.3958% | 350 |
| Net operating income to assets | 0.7020% | 3,701 |
| Return on assets (ROA) | 0.7154% | 3,751 |
| Pretax return on assets | 1.1082% | 3,064 |
| Return on Equity (ROE) | 7.1861% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.1861% | 1,797 |
| Net charge-offs to loans | 0.3965% | 567 |
| Credit loss provision to net charge-offs | 121.6216% | 1,431 |
| Earnings coverage of net charge-offs (x) | 4.5586% | 2,413 |
| Efficiency ratio | 67.9341% | 3,471 |
| Assets per employee ($millions) | 3.6668% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 4,655 |
| Loan loss allowance to noncurrent loans | 57.5797% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 1.7152% | 1,124 |
| Noncurrent loans to loans | 1.7222% | 1,304 |
| Net loans and leases to total assets | 81.3611% | 643 |
| Net loans and leases to deposits | 103.9948% | 411 |
| Net loans and leases to core deposits | 114.1336% | 667 |
| Total domestic deposits to total assets | 78.2358% | 5,106 |
| Equity capital to assets | 10.0065% | 4,076 |
| Core capital (leverage) ratio | 10.1058% | 3,418 |
| Tier 1 risk-based capital ratio | 12.6505% | 4,486 |
| Total risk-based capital ratio | 13.6804% | 4,531 |
| Memoranda: | ||
| Average total assets | $272,868,500 | 2,363 |
| Average earning assets | $254,678,000 | 2,349 |
| Average equity | $27,163,500 | 2,587 |
| Average total loans | $223,931,500 | 1,958 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1587% | 461 |
| Cost of funding earning assets | 0.6942% | 846 |
| Net interest margin | 4.4644% | 701 |
| Noninterest income to average assets | 0.5947% | 2,741 |
| Noninterest expense to average assets | 3.0640% | 2,337 |
| Loan and lease loss provision to assets | 0.5630% | 198 |
| Net operating income to assets | 0.7487% | 3,579 |
| Return on assets (ROA) | 0.7580% | 3,634 |
| Pretax return on assets | 1.1715% | 2,764 |
| Return on Equity (ROE) | 7.4263% | 3,292 |
| Retained earnings to average equity (ytd only) | -0.4648% | 5,585 |
| Net charge-offs to loans | 0.5984% | 403 |
| Credit loss provision to net charge-offs | 119.7933% | 2,153 |
| Earnings coverage of net charge-offs (x) | 3.6606% | 3,683 |
| Efficiency ratio | 64.0431% | 4,253 |
| Assets per employee ($millions) | 3.8130% | 4,265 |
| Cash dividends to net income (ytd only)* | 106.2592% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 4,681 |
| Loan loss allowance to noncurrent loans | 54.4439% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 1.7863% | 1,065 |
| Noncurrent loans to loans | 1.8155% | 1,201 |
| Net loans and leases to total assets | 81.1437% | 688 |
| Net loans and leases to deposits | 101.8490% | 549 |
| Net loans and leases to core deposits | 114.3990% | 665 |
| Total domestic deposits to total assets | 79.6706% | 4,825 |
| Equity capital to assets | 9.9023% | 4,068 |
| Core capital (leverage) ratio | 10.0020% | 3,505 |
| Tier 1 risk-based capital ratio | 12.7045% | 4,501 |
| Total risk-based capital ratio | 13.7377% | 4,530 |
| Memoranda: | ||
| Average total assets | $267,686,800 | 2,364 |
| Average earning assets | $251,208,000 | 2,331 |
| Average equity | $27,321,800 | 2,517 |
| Average total loans | $210,231,800 | 1,994 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1115% | 505 |
| Cost of funding earning assets | 0.6801% | 933 |
| Net interest margin | 4.4313% | 750 |
| Noninterest income to average assets | 0.5519% | 3,040 |
| Noninterest expense to average assets | 3.1134% | 2,185 |
| Loan and lease loss provision to assets | 0.4955% | 206 |
| Net operating income to assets | 0.7097% | 3,862 |
| Return on assets (ROA) | 0.7193% | 3,924 |
| Pretax return on assets | 1.1204% | 3,135 |
| Return on Equity (ROE) | 6.9943% | 3,619 |
| Retained earnings to average equity (ytd only) | 6.9943% | 1,689 |
| Net charge-offs to loans | 0.5203% | 458 |
| Credit loss provision to net charge-offs | 122.6205% | 1,950 |
| Earnings coverage of net charge-offs (x) | 3.9617% | 3,427 |
| Efficiency ratio | 66.0415% | 3,884 |
| Assets per employee ($millions) | 3.7583% | 4,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 4,829 |
| Loan loss allowance to noncurrent loans | 48.0461% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 1.6176% | 1,365 |
| Noncurrent loans to loans | 2.0452% | 1,124 |
| Net loans and leases to total assets | 78.1204% | 1,080 |
| Net loans and leases to deposits | 99.3556% | 703 |
| Net loans and leases to core deposits | 110.9921% | 821 |
| Total domestic deposits to total assets | 78.6270% | 5,063 |
| Equity capital to assets | 10.3209% | 3,787 |
| Core capital (leverage) ratio | 10.5890% | 2,939 |
| Tier 1 risk-based capital ratio | 13.5827% | 4,093 |
| Total risk-based capital ratio | 14.5985% | 4,141 |
| Memoranda: | ||
| Average total assets | $266,927,000 | 2,385 |
| Average earning assets | $250,724,750 | 2,354 |
| Average equity | $27,450,250 | 2,518 |
| Average total loans | $207,322,250 | 2,024 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1002% | 501 |
| Cost of funding earning assets | 0.6587% | 1,058 |
| Net interest margin | 4.4415% | 704 |
| Noninterest income to average assets | 0.5264% | 3,193 |
| Noninterest expense to average assets | 3.1628% | 2,087 |
| Loan and lease loss provision to assets | 0.4765% | 217 |
| Net operating income to assets | 0.6761% | 3,996 |
| Return on assets (ROA) | 0.6882% | 4,059 |
| Pretax return on assets | 1.0724% | 3,287 |
| Return on Equity (ROE) | 6.7006% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.7006% | 1,846 |
| Net charge-offs to loans | 0.4631% | 548 |
| Credit loss provision to net charge-offs | 133.1924% | 1,668 |
| Earnings coverage of net charge-offs (x) | 4.2770% | 3,066 |
| Efficiency ratio | 67.3973% | 3,769 |
| Assets per employee ($millions) | 3.5654% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 4,940 |
| Loan loss allowance to noncurrent loans | 46.5854% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 1.6703% | 1,428 |
| Noncurrent loans to loans | 2.1150% | 1,143 |
| Net loans and leases to total assets | 77.9192% | 1,074 |
| Net loans and leases to deposits | 99.8491% | 675 |
| Net loans and leases to core deposits | 111.4380% | 764 |
| Total domestic deposits to total assets | 78.0369% | 5,280 |
| Equity capital to assets | 10.1658% | 3,841 |
| Core capital (leverage) ratio | 10.4910% | 2,972 |
| Tier 1 risk-based capital ratio | 13.5677% | 4,181 |
| Total risk-based capital ratio | 14.5917% | 4,248 |
| Memoranda: | ||
| Average total assets | $264,450,670 | 2,418 |
| Average earning assets | $248,067,330 | 2,384 |
| Average equity | $27,161,670 | 2,552 |
| Average total loans | $204,278,000 | 2,048 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0479% | 528 |
| Cost of funding earning assets | 0.6508% | 1,109 |
| Net interest margin | 4.3971% | 736 |
| Noninterest income to average assets | 0.5345% | 3,058 |
| Noninterest expense to average assets | 3.1073% | 2,246 |
| Loan and lease loss provision to assets | 0.5054% | 206 |
| Net operating income to assets | 0.6708% | 3,948 |
| Return on assets (ROA) | 0.6953% | 3,950 |
| Pretax return on assets | 1.0781% | 3,176 |
| Return on Equity (ROE) | 6.7335% | 3,639 |
| Retained earnings to average equity (ytd only) | 6.7335% | 2,131 |
| Net charge-offs to loans | 0.5506% | 449 |
| Credit loss provision to net charge-offs | 120.0000% | 1,441 |
| Earnings coverage of net charge-offs (x) | 3.6691% | 2,582 |
| Efficiency ratio | 66.7874% | 4,012 |
| Assets per employee ($millions) | 3.5538% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 5,155 |
| Loan loss allowance to noncurrent loans | 89.8831% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 0.9388% | 2,749 |
| Noncurrent loans to loans | 1.0827% | 2,597 |
| Net loans and leases to total assets | 77.3465% | 1,015 |
| Net loans and leases to deposits | 99.3577% | 599 |
| Net loans and leases to core deposits | 109.6420% | 760 |
| Total domestic deposits to total assets | 77.8466% | 5,478 |
| Equity capital to assets | 10.3637% | 3,698 |
| Core capital (leverage) ratio | 10.4990% | 2,962 |
| Tier 1 risk-based capital ratio | 13.8612% | 4,109 |
| Total risk-based capital ratio | 14.8758% | 4,172 |
| Memoranda: | ||
| Average total assets | $261,192,000 | 2,460 |
| Average earning assets | $244,614,500 | 2,433 |
| Average equity | $26,969,500 | 2,583 |
| Average total loans | $199,798,500 | 2,089 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9846% | 802 |
| Cost of funding earning assets | 0.6684% | 1,277 |
| Net interest margin | 4.3162% | 1,027 |
| Noninterest income to average assets | 0.5983% | 2,868 |
| Noninterest expense to average assets | 3.0948% | 2,531 |
| Loan and lease loss provision to assets | 0.6609% | 197 |
| Net operating income to assets | 0.5843% | 4,449 |
| Return on assets (ROA) | 0.6236% | 4,364 |
| Pretax return on assets | 0.9414% | 3,728 |
| Return on Equity (ROE) | 5.8884% | 4,204 |
| Retained earnings to average equity (ytd only) | -6.5129% | 6,235 |
| Net charge-offs to loans | 1.1666% | 235 |
| Credit loss provision to net charge-offs | 78.9131% | 2,887 |
| Earnings coverage of net charge-offs (x) | 1.8421% | 4,323 |
| Efficiency ratio | 66.7338% | 4,103 |
| Assets per employee ($millions) | 3.6028% | 4,711 |
| Cash dividends to net income (ytd only)* | 210.6051% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 5,052 |
| Loan loss allowance to noncurrent loans | 74.0008% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.1280% | 2,500 |
| Noncurrent loans to loans | 1.3528% | 2,175 |
| Net loans and leases to total assets | 74.1114% | 1,568 |
| Net loans and leases to deposits | 92.7072% | 1,216 |
| Net loans and leases to core deposits | 101.8792% | 1,254 |
| Total domestic deposits to total assets | 79.9414% | 5,038 |
| Equity capital to assets | 10.2868% | 3,743 |
| Core capital (leverage) ratio | 10.3079% | 3,159 |
| Tier 1 risk-based capital ratio | 14.1292% | 4,018 |
| Total risk-based capital ratio | 15.1567% | 4,096 |
| Memoranda: | ||
| Average total assets | $257,075,600 | 2,463 |
| Average earning assets | $240,581,000 | 2,425 |
| Average equity | $27,222,800 | 2,470 |
| Average total loans | $184,560,600 | 2,177 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9389% | 855 |
| Cost of funding earning assets | 0.6749% | 1,292 |
| Net interest margin | 4.2640% | 1,121 |
| Noninterest income to average assets | 0.5536% | 3,181 |
| Noninterest expense to average assets | 3.0758% | 2,540 |
| Loan and lease loss provision to assets | 0.6300% | 212 |
| Net operating income to assets | 0.5588% | 4,639 |
| Return on assets (ROA) | 0.5957% | 4,549 |
| Pretax return on assets | 0.8930% | 4,020 |
| Return on Equity (ROE) | 5.5852% | 4,445 |
| Retained earnings to average equity (ytd only) | -3.6747% | 6,189 |
| Net charge-offs to loans | 0.9420% | 339 |
| Credit loss provision to net charge-offs | 94.1725% | 2,355 |
| Earnings coverage of net charge-offs (x) | 2.1942% | 3,971 |
| Efficiency ratio | 67.6925% | 3,912 |
| Assets per employee ($millions) | 3.6283% | 4,616 |
| Cash dividends to net income (ytd only)* | 165.7943% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 4,131 |
| Loan loss allowance to noncurrent loans | 92.1094% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.1611% | 2,624 |
| Noncurrent loans to loans | 1.3234% | 2,432 |
| Net loans and leases to total assets | 73.0763% | 1,669 |
| Net loans and leases to deposits | 92.0007% | 1,231 |
| Net loans and leases to core deposits | 101.0868% | 1,284 |
| Total domestic deposits to total assets | 79.4301% | 5,236 |
| Equity capital to assets | 10.6499% | 3,370 |
| Core capital (leverage) ratio | 10.7473% | 2,762 |
| Tier 1 risk-based capital ratio | 14.8796% | 3,662 |
| Total risk-based capital ratio | 16.1284% | 3,597 |
| Memoranda: | ||
| Average total assets | $256,494,500 | 2,483 |
| Average earning assets | $240,020,500 | 2,441 |
| Average equity | $27,357,500 | 2,461 |
| Average total loans | $182,153,500 | 2,217 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8732% | 957 |
| Cost of funding earning assets | 0.6826% | 1,295 |
| Net interest margin | 4.1906% | 1,270 |
| Noninterest income to average assets | 0.5435% | 3,182 |
| Noninterest expense to average assets | 3.0712% | 2,592 |
| Loan and lease loss provision to assets | 0.6786% | 198 |
| Net operating income to assets | 0.4849% | 4,868 |
| Return on assets (ROA) | 0.5411% | 4,739 |
| Pretax return on assets | 0.7981% | 4,273 |
| Return on Equity (ROE) | 5.0710% | 4,639 |
| Retained earnings to average equity (ytd only) | -8.8322% | 6,395 |
| Net charge-offs to loans | 1.0984% | 303 |
| Credit loss provision to net charge-offs | 88.2234% | 2,215 |
| Earnings coverage of net charge-offs (x) | 1.8122% | 3,707 |
| Efficiency ratio | 68.7828% | 3,864 |
| Assets per employee ($millions) | 3.6600% | 4,527 |
| Cash dividends to net income (ytd only)* | 274.1703% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 4,245 |
| Loan loss allowance to noncurrent loans | 78.7440% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.1667% | 2,745 |
| Noncurrent loans to loans | 1.5689% | 2,208 |
| Net loans and leases to total assets | 71.2065% | 1,880 |
| Net loans and leases to deposits | 90.6580% | 1,307 |
| Net loans and leases to core deposits | 101.1488% | 1,193 |
| Total domestic deposits to total assets | 78.5441% | 5,542 |
| Equity capital to assets | 10.4973% | 3,444 |
| Core capital (leverage) ratio | 10.6022% | 2,822 |
| Tier 1 risk-based capital ratio | 15.0732% | 3,592 |
| Total risk-based capital ratio | 16.3231% | 3,541 |
| Memoranda: | ||
| Average total assets | $256,123,000 | 2,493 |
| Average earning assets | $239,680,000 | 2,449 |
| Average equity | $27,331,670 | 2,454 |
| Average total loans | $179,346,670 | 2,242 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8185% | 1,010 |
| Cost of funding earning assets | 0.6950% | 1,278 |
| Net interest margin | 4.1234% | 1,405 |
| Noninterest income to average assets | 0.3983% | 4,202 |
| Noninterest expense to average assets | 2.9943% | 2,872 |
| Loan and lease loss provision to assets | 0.5373% | 261 |
| Net operating income to assets | 0.4998% | 4,694 |
| Return on assets (ROA) | 0.4998% | 4,775 |
| Pretax return on assets | 0.7216% | 4,412 |
| Return on Equity (ROE) | 4.6460% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.6460% | 3,328 |
| Net charge-offs to loans | 0.6951% | 524 |
| Credit loss provision to net charge-offs | 112.0521% | 1,529 |
| Earnings coverage of net charge-offs (x) | 2.6254% | 2,834 |
| Efficiency ratio | 70.4003% | 3,760 |
| Assets per employee ($millions) | 3.7400% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 3,774 |
| Loan loss allowance to noncurrent loans | 69.0388% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 1.4903% | 2,368 |
| Noncurrent loans to loans | 1.9743% | 1,894 |
| Net loans and leases to total assets | 68.2813% | 2,179 |
| Net loans and leases to deposits | 87.1213% | 1,454 |
| Net loans and leases to core deposits | 97.4015% | 1,285 |
| Total domestic deposits to total assets | 78.3750% | 5,770 |
| Equity capital to assets | 10.8296% | 2,903 |
| Core capital (leverage) ratio | 11.0897% | 2,311 |
| Tier 1 risk-based capital ratio | 16.3888% | 2,953 |
| Total risk-based capital ratio | 17.6403% | 2,923 |
| Memoranda: | ||
| Average total assets | $256,084,500 | 2,492 |
| Average earning assets | $239,412,000 | 2,451 |
| Average equity | $27,550,500 | 2,432 |
| Average total loans | $176,663,500 | 2,268 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7296% | 1,489 |
| Cost of funding earning assets | 0.8296% | 1,040 |
| Net interest margin | 3.8999% | 2,285 |
| Noninterest income to average assets | 0.6162% | 2,993 |
| Noninterest expense to average assets | 2.9462% | 3,211 |
| Loan and lease loss provision to assets | 0.5715% | 452 |
| Net operating income to assets | 0.5120% | 4,679 |
| Return on assets (ROA) | 0.5174% | 4,788 |
| Pretax return on assets | 0.7493% | 4,342 |
| Return on Equity (ROE) | 4.8536% | 4,692 |
| Retained earnings to average equity (ytd only) | 4.8536% | 2,698 |
| Net charge-offs to loans | 0.6331% | 1,033 |
| Credit loss provision to net charge-offs | 136.2524% | 1,722 |
| Earnings coverage of net charge-offs (x) | 3.1299% | 3,948 |
| Efficiency ratio | 69.1737% | 3,982 |
| Assets per employee ($millions) | 3.9704% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 3,777 |
| Loan loss allowance to noncurrent loans | 67.0207% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.5584% | 2,385 |
| Noncurrent loans to loans | 2.0483% | 1,937 |
| Net loans and leases to total assets | 67.8006% | 2,390 |
| Net loans and leases to deposits | 86.1676% | 1,659 |
| Net loans and leases to core deposits | 95.5425% | 1,485 |
| Total domestic deposits to total assets | 78.6846% | 5,714 |
| Equity capital to assets | 10.6860% | 2,949 |
| Core capital (leverage) ratio | 11.1085% | 2,283 |
| Tier 1 risk-based capital ratio | 16.3784% | 2,914 |
| Total risk-based capital ratio | 17.6303% | 2,870 |
| Memoranda: | ||
| Average total assets | $253,175,800 | 2,501 |
| Average earning assets | $236,490,800 | 2,453 |
| Average equity | $26,990,000 | 2,456 |
| Average total loans | $167,746,200 | 2,329 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7064% | 1,582 |
| Cost of funding earning assets | 0.8436% | 1,080 |
| Net interest margin | 3.8629% | 2,405 |
| Noninterest income to average assets | 0.5904% | 3,216 |
| Noninterest expense to average assets | 2.9044% | 3,294 |
| Loan and lease loss provision to assets | 0.5013% | 544 |
| Net operating income to assets | 0.5535% | 4,567 |
| Return on assets (ROA) | 0.5608% | 4,676 |
| Pretax return on assets | 0.8038% | 4,279 |
| Return on Equity (ROE) | 5.2641% | 4,590 |
| Retained earnings to average equity (ytd only) | 5.2641% | 2,897 |
| Net charge-offs to loans | 0.5726% | 1,100 |
| Credit loss provision to net charge-offs | 133.3801% | 1,768 |
| Earnings coverage of net charge-offs (x) | 3.4446% | 3,699 |
| Efficiency ratio | 69.1690% | 3,891 |
| Assets per employee ($millions) | 4.0100% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 4,290 |
| Loan loss allowance to noncurrent loans | 63.9489% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.5592% | 2,593 |
| Noncurrent loans to loans | 2.0643% | 2,177 |
| Net loans and leases to total assets | 66.6043% | 2,541 |
| Net loans and leases to deposits | 84.4893% | 1,819 |
| Net loans and leases to core deposits | 93.7090% | 1,601 |
| Total domestic deposits to total assets | 78.8316% | 5,779 |
| Equity capital to assets | 10.5957% | 3,168 |
| Core capital (leverage) ratio | 11.0294% | 2,452 |
| Tier 1 risk-based capital ratio | 16.6174% | 2,891 |
| Total risk-based capital ratio | 17.8684% | 2,848 |
| Memoranda: | ||
| Average total assets | $252,943,000 | 2,519 |
| Average earning assets | $236,294,500 | 2,473 |
| Average equity | $26,949,000 | 2,488 |
| Average total loans | $166,011,750 | 2,356 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6666% | 1,661 |
| Cost of funding earning assets | 0.8571% | 1,107 |
| Net interest margin | 3.8095% | 2,519 |
| Noninterest income to average assets | 0.5169% | 3,722 |
| Noninterest expense to average assets | 2.8769% | 3,416 |
| Loan and lease loss provision to assets | 0.3991% | 778 |
| Net operating income to assets | 0.5542% | 4,534 |
| Return on assets (ROA) | 0.5651% | 4,646 |
| Pretax return on assets | 0.8188% | 4,238 |
| Return on Equity (ROE) | 5.2945% | 4,569 |
| Retained earnings to average equity (ytd only) | 5.2945% | 2,865 |
| Net charge-offs to loans | 0.5811% | 1,136 |
| Credit loss provision to net charge-offs | 105.6485% | 2,094 |
| Earnings coverage of net charge-offs (x) | 3.1820% | 3,461 |
| Efficiency ratio | 70.5290% | 3,731 |
| Assets per employee ($millions) | 4.2028% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 4,945 |
| Loan loss allowance to noncurrent loans | 61.6500% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 1.4146% | 2,981 |
| Noncurrent loans to loans | 1.9597% | 2,445 |
| Net loans and leases to total assets | 64.0177% | 2,910 |
| Net loans and leases to deposits | 81.9282% | 2,069 |
| Net loans and leases to core deposits | 90.6440% | 1,847 |
| Total domestic deposits to total assets | 78.1387% | 5,953 |
| Equity capital to assets | 10.1694% | 3,699 |
| Core capital (leverage) ratio | 10.8561% | 2,497 |
| Tier 1 risk-based capital ratio | 16.2790% | 3,049 |
| Total risk-based capital ratio | 17.4885% | 3,017 |
| Memoranda: | ||
| Average total assets | $253,047,000 | 2,530 |
| Average earning assets | $236,620,000 | 2,476 |
| Average equity | $27,009,330 | 2,488 |
| Average total loans | $164,511,000 | 2,376 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7640% | 1,367 |
| Cost of funding earning assets | 0.8993% | 991 |
| Net interest margin | 3.8647% | 2,231 |
| Noninterest income to average assets | 0.5472% | 3,462 |
| Noninterest expense to average assets | 2.9284% | 3,240 |
| Loan and lease loss provision to assets | 0.4156% | 729 |
| Net operating income to assets | 0.5648% | 4,386 |
| Return on assets (ROA) | 0.5648% | 4,536 |
| Pretax return on assets | 0.8167% | 4,108 |
| Return on Equity (ROE) | 5.1642% | 4,485 |
| Retained earnings to average equity (ytd only) | 5.1642% | 3,135 |
| Net charge-offs to loans | 0.5938% | 1,026 |
| Credit loss provision to net charge-offs | 107.4689% | 1,721 |
| Earnings coverage of net charge-offs (x) | 3.1867% | 2,823 |
| Efficiency ratio | 70.3818% | 3,913 |
| Assets per employee ($millions) | 3.8790% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 4,916 |
| Loan loss allowance to noncurrent loans | 115.2667% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.8170% | 4,332 |
| Noncurrent loans to loans | 1.0890% | 3,969 |
| Net loans and leases to total assets | 63.3642% | 2,823 |
| Net loans and leases to deposits | 82.0508% | 1,820 |
| Net loans and leases to core deposits | 88.3297% | 1,869 |
| Total domestic deposits to total assets | 77.2255% | 6,221 |
| Equity capital to assets | 10.8415% | 3,158 |
| Core capital (leverage) ratio | 10.9365% | 2,314 |
| Tier 1 risk-based capital ratio | 16.9137% | 2,792 |
| Total risk-based capital ratio | 18.1640% | 2,769 |
| Memoranda: | ||
| Average total assets | $249,283,000 | 2,588 |
| Average earning assets | $233,082,500 | 2,542 |
| Average equity | $27,264,500 | 2,504 |
| Average total loans | $162,339,500 | 2,418 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 1,916 |
| Cost of funding earning assets | 1.0950% | 926 |
| Net interest margin | 3.7834% | 3,302 |
| Noninterest income to average assets | 0.6922% | 2,759 |
| Noninterest expense to average assets | 2.9678% | 3,395 |
| Loan and lease loss provision to assets | 0.5037% | 1,177 |
| Net operating income to assets | 0.4875% | 4,730 |
| Return on assets (ROA) | 0.5437% | 4,757 |
| Pretax return on assets | 0.8403% | 4,149 |
| Return on Equity (ROE) | 5.5046% | 4,426 |
| Retained earnings to average equity (ytd only) | 5.5046% | 2,381 |
| Net charge-offs to loans | 0.7087% | 1,669 |
| Credit loss provision to net charge-offs | 109.6803% | 2,670 |
| Earnings coverage of net charge-offs (x) | 2.7380% | 4,061 |
| Efficiency ratio | 70.2384% | 3,763 |
| Assets per employee ($millions) | 3.9116% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 4,954 |
| Loan loss allowance to noncurrent loans | 77.3636% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.2356% | 3,588 |
| Noncurrent loans to loans | 1.5974% | 3,230 |
| Net loans and leases to total assets | 65.2806% | 2,653 |
| Net loans and leases to deposits | 83.1097% | 1,871 |
| Net loans and leases to core deposits | 87.9102% | 2,098 |
| Total domestic deposits to total assets | 78.5475% | 5,978 |
| Equity capital to assets | 11.0350% | 2,904 |
| Core capital (leverage) ratio | 10.9204% | 2,318 |
| Tier 1 risk-based capital ratio | 16.7555% | 2,769 |
| Total risk-based capital ratio | 18.0058% | 2,738 |
| Memoranda: | ||
| Average total assets | $245,163,200 | 2,572 |
| Average earning assets | $228,944,600 | 2,524 |
| Average equity | $24,216,200 | 2,733 |
| Average total loans | $158,872,000 | 2,448 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8911% | 2,045 |
| Cost of funding earning assets | 1.1484% | 874 |
| Net interest margin | 3.7427% | 3,591 |
| Noninterest income to average assets | 0.5930% | 3,325 |
| Noninterest expense to average assets | 2.9177% | 3,526 |
| Loan and lease loss provision to assets | 0.4629% | 1,340 |
| Net operating income to assets | 0.4552% | 5,017 |
| Return on assets (ROA) | 0.4754% | 5,195 |
| Pretax return on assets | 0.7384% | 4,710 |
| Return on Equity (ROE) | 4.9590% | 4,835 |
| Retained earnings to average equity (ytd only) | 4.9590% | 3,392 |
| Net charge-offs to loans | 0.7559% | 1,462 |
| Credit loss provision to net charge-offs | 94.9721% | 3,147 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 4,080 |
| Efficiency ratio | 71.3829% | 3,434 |
| Assets per employee ($millions) | 3.8737% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 5,423 |
| Loan loss allowance to noncurrent loans | 65.3657% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.4053% | 3,497 |
| Noncurrent loans to loans | 1.7920% | 3,085 |
| Net loans and leases to total assets | 63.2668% | 3,162 |
| Net loans and leases to deposits | 80.2517% | 2,351 |
| Net loans and leases to core deposits | 84.6628% | 2,622 |
| Total domestic deposits to total assets | 78.8355% | 5,911 |
| Equity capital to assets | 10.4076% | 3,950 |
| Core capital (leverage) ratio | 10.3396% | 3,116 |
| Tier 1 risk-based capital ratio | 16.2727% | 3,121 |
| Total risk-based capital ratio | 17.4727% | 3,118 |
| Memoranda: | ||
| Average total assets | $244,845,750 | 2,602 |
| Average earning assets | $228,599,750 | 2,541 |
| Average equity | $23,471,750 | 2,826 |
| Average total loans | $157,868,500 | 2,482 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8721% | 2,222 |
| Cost of funding earning assets | 1.1921% | 847 |
| Net interest margin | 3.6800% | 3,928 |
| Noninterest income to average assets | 0.5570% | 3,542 |
| Noninterest expense to average assets | 2.9423% | 3,464 |
| Loan and lease loss provision to assets | 0.4183% | 1,560 |
| Net operating income to assets | 0.4104% | 5,178 |
| Return on assets (ROA) | 0.4110% | 5,408 |
| Pretax return on assets | 0.6308% | 5,023 |
| Return on Equity (ROE) | 4.4151% | 5,081 |
| Retained earnings to average equity (ytd only) | 4.4151% | 3,667 |
| Net charge-offs to loans | 0.5254% | 2,013 |
| Credit loss provision to net charge-offs | 123.1884% | 2,224 |
| Earnings coverage of net charge-offs (x) | 3.0870% | 3,507 |
| Efficiency ratio | 73.7307% | 3,118 |
| Assets per employee ($millions) | 3.9185% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 5,095 |
| Loan loss allowance to noncurrent loans | 73.9372% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.3412% | 3,759 |
| Noncurrent loans to loans | 1.6999% | 3,346 |
| Net loans and leases to total assets | 63.6508% | 3,115 |
| Net loans and leases to deposits | 80.7689% | 2,269 |
| Net loans and leases to core deposits | 84.8962% | 2,575 |
| Total domestic deposits to total assets | 78.8061% | 5,995 |
| Equity capital to assets | 10.2060% | 4,045 |
| Core capital (leverage) ratio | 10.1431% | 3,210 |
| Tier 1 risk-based capital ratio | 16.0267% | 3,151 |
| Total risk-based capital ratio | 17.2771% | 3,126 |
| Memoranda: | ||
| Average total assets | $243,822,670 | 2,614 |
| Average earning assets | $227,498,000 | 2,554 |
| Average equity | $22,695,000 | 2,888 |
| Average total loans | $157,589,000 | 2,497 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8830% | 2,308 |
| Cost of funding earning assets | 1.2496% | 778 |
| Net interest margin | 3.6335% | 4,114 |
| Noninterest income to average assets | 0.5085% | 3,858 |
| Noninterest expense to average assets | 2.9220% | 3,531 |
| Loan and lease loss provision to assets | 0.4210% | 1,497 |
| Net operating income to assets | 0.3588% | 5,434 |
| Return on assets (ROA) | 0.3599% | 5,615 |
| Pretax return on assets | 0.5514% | 5,276 |
| Return on Equity (ROE) | 4.0662% | 5,266 |
| Retained earnings to average equity (ytd only) | 4.0662% | 4,154 |
| Net charge-offs to loans | 0.5994% | 1,592 |
| Credit loss provision to net charge-offs | 108.5106% | 2,156 |
| Earnings coverage of net charge-offs (x) | 2.5021% | 3,165 |
| Efficiency ratio | 75.0636% | 2,928 |
| Assets per employee ($millions) | 3.8139% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 5,379 |
| Loan loss allowance to noncurrent loans | 93.9912% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.1488% | 4,211 |
| Noncurrent loans to loans | 1.3027% | 4,166 |
| Net loans and leases to total assets | 63.5882% | 2,923 |
| Net loans and leases to deposits | 81.6047% | 1,984 |
| Net loans and leases to core deposits | 85.7440% | 2,322 |
| Total domestic deposits to total assets | 77.9222% | 6,272 |
| Equity capital to assets | 10.1511% | 3,914 |
| Core capital (leverage) ratio | 10.1508% | 3,175 |
| Tier 1 risk-based capital ratio | 16.0821% | 3,133 |
| Total risk-based capital ratio | 17.3324% | 3,098 |
| Memoranda: | ||
| Average total assets | $242,302,000 | 2,641 |
| Average earning assets | $225,680,500 | 2,591 |
| Average equity | $21,445,000 | 3,051 |
| Average total loans | $156,818,000 | 2,529 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4239% | 1,355 |
| Cost of funding earning assets | 1.5684% | 539 |
| Net interest margin | 3.8555% | 3,541 |
| Noninterest income to average assets | 0.7739% | 2,213 |
| Noninterest expense to average assets | 3.1262% | 3,109 |
| Loan and lease loss provision to assets | 0.7282% | 1,396 |
| Net operating income to assets | 0.3242% | 5,172 |
| Return on assets (ROA) | 0.3527% | 5,224 |
| Pretax return on assets | 0.5301% | 4,901 |
| Return on Equity (ROE) | 4.4502% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.4502% | 3,007 |
| Net charge-offs to loans | 0.9192% | 1,887 |
| Credit loss provision to net charge-offs | 114.4366% | 2,856 |
| Earnings coverage of net charge-offs (x) | 1.9106% | 4,343 |
| Efficiency ratio | 71.9992% | 3,578 |
| Assets per employee ($millions) | 3.8792% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 5,312 |
| Loan loss allowance to noncurrent loans | 111.7371% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 1.0145% | 4,587 |
| Noncurrent loans to loans | 1.0888% | 4,536 |
| Net loans and leases to total assets | 64.2772% | 3,125 |
| Net loans and leases to deposits | 79.4004% | 2,625 |
| Net loans and leases to core deposits | 83.2100% | 2,995 |
| Total domestic deposits to total assets | 80.9532% | 5,463 |
| Equity capital to assets | 7.5306% | 6,796 |
| Core capital (leverage) ratio | 7.7477% | 6,499 |
| Tier 1 risk-based capital ratio | 11.5079% | 6,155 |
| Total risk-based capital ratio | 12.7450% | 6,150 |
| Memoranda: | ||
| Average total assets | $223,148,200 | 2,807 |
| Average earning assets | $206,512,600 | 2,774 |
| Average equity | $17,684,600 | 3,471 |
| Average total loans | $154,488,800 | 2,573 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5092% | 1,231 |
| Cost of funding earning assets | 1.6205% | 533 |
| Net interest margin | 3.8887% | 3,439 |
| Noninterest income to average assets | 0.7922% | 2,095 |
| Noninterest expense to average assets | 3.1747% | 2,906 |
| Loan and lease loss provision to assets | 0.7769% | 1,211 |
| Net operating income to assets | 0.2915% | 5,427 |
| Return on assets (ROA) | 0.3303% | 5,456 |
| Pretax return on assets | 0.4942% | 5,181 |
| Return on Equity (ROE) | 4.1112% | 4,951 |
| Retained earnings to average equity (ytd only) | 4.1112% | 3,805 |
| Net charge-offs to loans | 0.9446% | 1,708 |
| Credit loss provision to net charge-offs | 116.8653% | 2,797 |
| Earnings coverage of net charge-offs (x) | 1.8249% | 4,296 |
| Efficiency ratio | 72.3511% | 3,482 |
| Assets per employee ($millions) | 3.7570% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 5,357 |
| Loan loss allowance to noncurrent loans | 75.5315% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.4493% | 3,945 |
| Noncurrent loans to loans | 1.6246% | 3,861 |
| Net loans and leases to total assets | 67.2386% | 2,629 |
| Net loans and leases to deposits | 84.5789% | 1,905 |
| Net loans and leases to core deposits | 88.8108% | 2,387 |
| Total domestic deposits to total assets | 79.4981% | 5,868 |
| Equity capital to assets | 7.9284% | 6,740 |
| Core capital (leverage) ratio | 8.0023% | 6,396 |
| Tier 1 risk-based capital ratio | 11.8441% | 6,008 |
| Total risk-based capital ratio | 13.0947% | 5,987 |
| Memoranda: | ||
| Average total assets | $218,807,000 | 2,851 |
| Average earning assets | $202,324,250 | 2,828 |
| Average equity | $17,577,750 | 3,491 |
| Average total loans | $153,986,250 | 2,608 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5464% | 1,194 |
| Cost of funding earning assets | 1.6606% | 551 |
| Net interest margin | 3.8858% | 3,378 |
| Noninterest income to average assets | 0.8347% | 1,867 |
| Noninterest expense to average assets | 3.0960% | 3,271 |
| Loan and lease loss provision to assets | 0.9003% | 995 |
| Net operating income to assets | 0.2811% | 5,446 |
| Return on assets (ROA) | 0.3195% | 5,424 |
| Pretax return on assets | 0.4885% | 5,106 |
| Return on Equity (ROE) | 3.9589% | 4,958 |
| Retained earnings to average equity (ytd only) | 3.9589% | 3,673 |
| Net charge-offs to loans | 1.2130% | 1,291 |
| Credit loss provision to net charge-offs | 104.2781% | 2,963 |
| Earnings coverage of net charge-offs (x) | 1.5401% | 4,133 |
| Efficiency ratio | 69.9562% | 4,129 |
| Assets per employee ($millions) | 3.6123% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 5,853 |
| Loan loss allowance to noncurrent loans | 82.9676% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.5447% | 3,880 |
| Noncurrent loans to loans | 1.3551% | 4,388 |
| Net loans and leases to total assets | 70.5618% | 2,102 |
| Net loans and leases to deposits | 87.3226% | 1,606 |
| Net loans and leases to core deposits | 91.5247% | 2,200 |
| Total domestic deposits to total assets | 80.8059% | 5,596 |
| Equity capital to assets | 8.1873% | 6,527 |
| Core capital (leverage) ratio | 7.9578% | 6,349 |
| Tier 1 risk-based capital ratio | 11.6768% | 6,029 |
| Total risk-based capital ratio | 12.8549% | 6,081 |
| Memoranda: | ||
| Average total assets | $216,603,330 | 2,892 |
| Average earning assets | $200,165,330 | 2,871 |
| Average equity | $17,479,670 | 3,497 |
| Average total loans | $154,164,670 | 2,621 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4575% | 1,412 |
| Cost of funding earning assets | 1.6826% | 596 |
| Net interest margin | 3.7749% | 3,736 |
| Noninterest income to average assets | 0.7075% | 2,533 |
| Noninterest expense to average assets | 3.1090% | 3,209 |
| Loan and lease loss provision to assets | 0.6465% | 1,330 |
| Net operating income to assets | 0.2937% | 5,442 |
| Return on assets (ROA) | 0.2937% | 5,514 |
| Pretax return on assets | 0.4415% | 5,215 |
| Return on Equity (ROE) | 3.6663% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.6663% | 3,975 |
| Net charge-offs to loans | 0.6861% | 1,843 |
| Credit loss provision to net charge-offs | 132.5758% | 2,095 |
| Earnings coverage of net charge-offs (x) | 2.2311% | 3,204 |
| Efficiency ratio | 74.0757% | 3,501 |
| Assets per employee ($millions) | 3.5571% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 5,815 |
| Loan loss allowance to noncurrent loans | 63.9556% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.7176% | 3,680 |
| Noncurrent loans to loans | 1.8087% | 3,817 |
| Net loans and leases to total assets | 70.2937% | 2,070 |
| Net loans and leases to deposits | 86.3050% | 1,678 |
| Net loans and leases to core deposits | 90.8104% | 2,259 |
| Total domestic deposits to total assets | 81.4479% | 5,512 |
| Equity capital to assets | 8.0163% | 6,480 |
| Core capital (leverage) ratio | 7.8715% | 6,395 |
| Tier 1 risk-based capital ratio | 11.6979% | 5,943 |
| Total risk-based capital ratio | 12.9303% | 5,947 |
| Memoranda: | ||
| Average total assets | $216,535,500 | 2,915 |
| Average earning assets | $200,164,500 | 2,885 |
| Average equity | $17,347,000 | 3,515 |
| Average total loans | $153,910,000 | 2,649 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7379% | 1,444 |
| Cost of funding earning assets | 2.1235% | 393 |
| Net interest margin | 3.6144% | 4,746 |
| Noninterest income to average assets | 0.6640% | 3,056 |
| Noninterest expense to average assets | 3.0647% | 3,611 |
| Loan and lease loss provision to assets | 0.6258% | 2,629 |
| Net operating income to assets | 0.2065% | 5,253 |
| Return on assets (ROA) | 0.2466% | 5,273 |
| Pretax return on assets | 0.3622% | 5,053 |
| Return on Equity (ROE) | 2.9664% | 4,974 |
| Retained earnings to average equity (ytd only) | 2.9664% | 3,783 |
| Net charge-offs to loans | 0.4740% | 3,721 |
| Credit loss provision to net charge-offs | 182.7684% | 1,805 |
| Earnings coverage of net charge-offs (x) | 2.7133% | 3,729 |
| Efficiency ratio | 76.7377% | 2,918 |
| Assets per employee ($millions) | 3.6015% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 5,934 |
| Loan loss allowance to noncurrent loans | 65.6491% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 1.5614% | 3,962 |
| Noncurrent loans to loans | 1.6859% | 3,972 |
| Net loans and leases to total assets | 70.2541% | 2,479 |
| Net loans and leases to deposits | 86.5428% | 2,000 |
| Net loans and leases to core deposits | 91.3039% | 2,571 |
| Total domestic deposits to total assets | 81.1784% | 5,465 |
| Equity capital to assets | 8.0060% | 6,491 |
| Core capital (leverage) ratio | 7.8662% | 6,363 |
| Tier 1 risk-based capital ratio | 11.8428% | 5,623 |
| Total risk-based capital ratio | 13.0283% | 5,670 |
| Memoranda: | ||
| Average total assets | $206,771,200 | 3,019 |
| Average earning assets | $190,488,400 | 2,992 |
| Average equity | $17,192,800 | 3,557 |
| Average total loans | $149,358,000 | 2,784 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7963% | 1,410 |
| Cost of funding earning assets | 2.2074% | 376 |
| Net interest margin | 3.5889% | 4,925 |
| Noninterest income to average assets | 0.6365% | 3,213 |
| Noninterest expense to average assets | 3.0313% | 3,641 |
| Loan and lease loss provision to assets | 0.6483% | 2,359 |
| Net operating income to assets | 0.1818% | 5,562 |
| Return on assets (ROA) | 0.2028% | 5,659 |
| Pretax return on assets | 0.2909% | 5,538 |
| Return on Equity (ROE) | 2.4156% | 5,459 |
| Retained earnings to average equity (ytd only) | 2.4156% | 4,729 |
| Net charge-offs to loans | 0.4728% | 3,382 |
| Credit loss provision to net charge-offs | 188.9734% | 1,906 |
| Earnings coverage of net charge-offs (x) | 2.6502% | 3,828 |
| Efficiency ratio | 76.9282% | 2,769 |
| Assets per employee ($millions) | 3.5699% | 4,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 6,203 |
| Loan loss allowance to noncurrent loans | 58.3826% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.6130% | 4,032 |
| Noncurrent loans to loans | 1.7859% | 3,966 |
| Net loans and leases to total assets | 70.0544% | 2,720 |
| Net loans and leases to deposits | 83.3336% | 2,827 |
| Net loans and leases to core deposits | 90.6227% | 3,007 |
| Total domestic deposits to total assets | 84.0650% | 4,093 |
| Equity capital to assets | 8.0581% | 6,751 |
| Core capital (leverage) ratio | 8.0788% | 6,228 |
| Tier 1 risk-based capital ratio | 11.7830% | 5,654 |
| Total risk-based capital ratio | 12.8824% | 5,787 |
| Memoranda: | ||
| Average total assets | $204,442,250 | 3,086 |
| Average earning assets | $188,207,250 | 3,066 |
| Average equity | $17,166,000 | 3,611 |
| Average total loans | $148,320,250 | 2,837 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8251% | 1,361 |
| Cost of funding earning assets | 2.2778% | 361 |
| Net interest margin | 3.5474% | 5,059 |
| Noninterest income to average assets | 0.6919% | 2,754 |
| Noninterest expense to average assets | 2.9624% | 3,844 |
| Loan and lease loss provision to assets | 0.6899% | 2,098 |
| Net operating income to assets | 0.2157% | 5,510 |
| Return on assets (ROA) | 0.2376% | 5,565 |
| Pretax return on assets | 0.3340% | 5,410 |
| Return on Equity (ROE) | 2.7897% | 5,329 |
| Retained earnings to average equity (ytd only) | 2.7897% | 4,360 |
| Net charge-offs to loans | 0.4687% | 3,132 |
| Credit loss provision to net charge-offs | 201.1594% | 1,944 |
| Earnings coverage of net charge-offs (x) | 2.8957% | 3,549 |
| Efficiency ratio | 74.8932% | 3,281 |
| Assets per employee ($millions) | 3.7001% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 6,515 |
| Loan loss allowance to noncurrent loans | 82.7391% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.0683% | 4,999 |
| Noncurrent loans to loans | 1.1744% | 4,991 |
| Net loans and leases to total assets | 70.6457% | 2,759 |
| Net loans and leases to deposits | 84.2445% | 2,830 |
| Net loans and leases to core deposits | 87.2019% | 3,661 |
| Total domestic deposits to total assets | 83.8580% | 4,170 |
| Equity capital to assets | 8.1981% | 6,545 |
| Core capital (leverage) ratio | 8.1949% | 5,946 |
| Tier 1 risk-based capital ratio | 11.8206% | 5,471 |
| Total risk-based capital ratio | 12.8413% | 5,643 |
| Memoranda: | ||
| Average total assets | $201,191,330 | 3,151 |
| Average earning assets | $185,094,670 | 3,136 |
| Average equity | $17,134,670 | 3,613 |
| Average total loans | $147,215,670 | 2,880 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9220% | 1,148 |
| Cost of funding earning assets | 2.3182% | 408 |
| Net interest margin | 3.6038% | 4,712 |
| Noninterest income to average assets | 0.7721% | 2,161 |
| Noninterest expense to average assets | 3.0051% | 3,666 |
| Loan and lease loss provision to assets | 0.7538% | 1,688 |
| Net operating income to assets | 0.2413% | 5,537 |
| Return on assets (ROA) | 0.2893% | 5,469 |
| Pretax return on assets | 0.3830% | 5,347 |
| Return on Equity (ROE) | 3.3300% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.3300% | 4,154 |
| Net charge-offs to loans | 0.4973% | 2,571 |
| Credit loss provision to net charge-offs | 204.4199% | 1,821 |
| Earnings coverage of net charge-offs (x) | 2.9116% | 3,094 |
| Efficiency ratio | 73.6763% | 3,624 |
| Assets per employee ($millions) | 3.6178% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 6,859 |
| Loan loss allowance to noncurrent loans | 65.0025% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.3194% | 4,553 |
| Noncurrent loans to loans | 1.3734% | 4,679 |
| Net loans and leases to total assets | 71.3434% | 2,606 |
| Net loans and leases to deposits | 88.4167% | 2,153 |
| Net loans and leases to core deposits | 96.3690% | 2,545 |
| Total domestic deposits to total assets | 80.6899% | 5,563 |
| Equity capital to assets | 8.4413% | 6,085 |
| Core capital (leverage) ratio | 8.5911% | 5,218 |
| Tier 1 risk-based capital ratio | 11.8612% | 5,334 |
| Total risk-based capital ratio | 12.7820% | 5,623 |
| Memoranda: | ||
| Average total assets | $196,335,500 | 3,270 |
| Average earning assets | $180,142,000 | 3,251 |
| Average equity | $17,057,000 | 3,642 |
| Average total loans | $145,595,500 | 2,971 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3173% | 992 |
| Cost of funding earning assets | 2.6108% | 758 |
| Net interest margin | 3.7066% | 4,108 |
| Noninterest income to average assets | 0.6791% | 3,089 |
| Noninterest expense to average assets | 3.1018% | 3,734 |
| Loan and lease loss provision to assets | 0.8498% | 2,614 |
| Net operating income to assets | 0.1293% | 5,114 |
| Return on assets (ROA) | 0.1900% | 5,002 |
| Pretax return on assets | 0.2264% | 4,946 |
| Return on Equity (ROE) | 2.1034% | 4,861 |
| Retained earnings to average equity (ytd only) | 2.1034% | 3,633 |
| Net charge-offs to loans | 0.8113% | 2,799 |
| Credit loss provision to net charge-offs | 134.4623% | 3,698 |
| Earnings coverage of net charge-offs (x) | 1.5885% | 4,550 |
| Efficiency ratio | 75.5474% | 3,605 |
| Assets per employee ($millions) | 3.3941% | 5,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7657% | 7,217 |
| Loan loss allowance to noncurrent loans | 50.0900% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 1.4815% | 4,164 |
| Noncurrent loans to loans | 1.5287% | 4,356 |
| Net loans and leases to total assets | 75.8844% | 1,826 |
| Net loans and leases to deposits | 99.2445% | 970 |
| Net loans and leases to core deposits | 123.5979% | 1,669 |
| Total domestic deposits to total assets | 76.4621% | 6,595 |
| Equity capital to assets | 8.9503% | 5,215 |
| Core capital (leverage) ratio | 8.7098% | 4,911 |
| Tier 1 risk-based capital ratio | 12.0417% | 4,916 |
| Total risk-based capital ratio | 12.8455% | 5,260 |
| Memoranda: | ||
| Average total assets | $186,858,200 | 3,325 |
| Average earning assets | $172,747,200 | 3,310 |
| Average equity | $16,877,800 | 3,695 |
| Average total loans | $145,569,400 | 2,989 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3587% | 1,008 |
| Cost of funding earning assets | 2.6568% | 892 |
| Net interest margin | 3.7019% | 4,063 |
| Noninterest income to average assets | 0.6048% | 3,659 |
| Noninterest expense to average assets | 3.0155% | 3,985 |
| Loan and lease loss provision to assets | 0.7474% | 2,499 |
| Net operating income to assets | 0.2039% | 5,138 |
| Return on assets (ROA) | 0.2286% | 5,142 |
| Pretax return on assets | 0.3067% | 5,045 |
| Return on Equity (ROE) | 2.5250% | 4,978 |
| Retained earnings to average equity (ytd only) | 2.5250% | 3,911 |
| Net charge-offs to loans | 0.3754% | 3,770 |
| Credit loss provision to net charge-offs | 254.3902% | 1,681 |
| Earnings coverage of net charge-offs (x) | 3.4756% | 3,515 |
| Efficiency ratio | 74.7026% | 3,740 |
| Assets per employee ($millions) | 3.4307% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 6,690 |
| Loan loss allowance to noncurrent loans | 42.3065% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 1.8629% | 3,568 |
| Noncurrent loans to loans | 2.1647% | 3,427 |
| Net loans and leases to total assets | 75.4060% | 2,127 |
| Net loans and leases to deposits | 96.9672% | 1,445 |
| Net loans and leases to core deposits | 128.6601% | 1,527 |
| Total domestic deposits to total assets | 77.7644% | 6,154 |
| Equity capital to assets | 8.8741% | 5,668 |
| Core capital (leverage) ratio | 8.8084% | 4,960 |
| Tier 1 risk-based capital ratio | 12.1012% | 4,874 |
| Total risk-based capital ratio | 13.0770% | 5,072 |
| Memoranda: | ||
| Average total assets | $186,054,750 | 3,368 |
| Average earning assets | $172,484,250 | 3,340 |
| Average equity | $16,844,250 | 3,735 |
| Average total loans | $145,624,750 | 3,023 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4590% | 900 |
| Cost of funding earning assets | 2.7020% | 1,022 |
| Net interest margin | 3.7570% | 3,729 |
| Noninterest income to average assets | 0.4260% | 5,073 |
| Noninterest expense to average assets | 2.9180% | 4,438 |
| Loan and lease loss provision to assets | 0.6890% | 2,363 |
| Net operating income to assets | 0.2309% | 5,156 |
| Return on assets (ROA) | 0.2619% | 5,137 |
| Pretax return on assets | 0.3423% | 5,092 |
| Return on Equity (ROE) | 2.8732% | 4,951 |
| Retained earnings to average equity (ytd only) | 2.8732% | 3,729 |
| Net charge-offs to loans | 0.3342% | 3,505 |
| Credit loss provision to net charge-offs | 260.9053% | 1,785 |
| Earnings coverage of net charge-offs (x) | 3.7531% | 3,319 |
| Efficiency ratio | 74.6455% | 3,931 |
| Assets per employee ($millions) | 3.3563% | 5,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7371% | 7,342 |
| Loan loss allowance to noncurrent loans | 38.5724% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 1.6712% | 3,688 |
| Noncurrent loans to loans | 1.9109% | 3,655 |
| Net loans and leases to total assets | 78.6030% | 1,615 |
| Net loans and leases to deposits | 102.7593% | 1,017 |
| Net loans and leases to core deposits | 134.8571% | 1,269 |
| Total domestic deposits to total assets | 76.4924% | 6,438 |
| Equity capital to assets | 8.9555% | 5,379 |
| Core capital (leverage) ratio | 8.9100% | 4,769 |
| Tier 1 risk-based capital ratio | 12.2357% | 4,731 |
| Total risk-based capital ratio | 13.0516% | 5,013 |
| Memoranda: | ||
| Average total assets | $184,033,000 | 3,422 |
| Average earning assets | $170,614,670 | 3,384 |
| Average equity | $16,776,000 | 3,759 |
| Average total loans | $145,430,000 | 3,062 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3987% | 1,067 |
| Cost of funding earning assets | 2.7691% | 1,060 |
| Net interest margin | 3.6297% | 4,187 |
| Noninterest income to average assets | 0.3471% | 5,668 |
| Noninterest expense to average assets | 2.8824% | 4,221 |
| Loan and lease loss provision to assets | 0.6151% | 2,047 |
| Net operating income to assets | 0.1526% | 5,811 |
| Return on assets (ROA) | 0.2087% | 5,798 |
| Pretax return on assets | 0.2922% | 5,699 |
| Return on Equity (ROE) | 2.2689% | 5,680 |
| Retained earnings to average equity (ytd only) | 2.2689% | 4,617 |
| Net charge-offs to loans | 0.3479% | 2,692 |
| Credit loss provision to net charge-offs | 224.0000% | 2,030 |
| Earnings coverage of net charge-offs (x) | 3.0160% | 3,301 |
| Efficiency ratio | 77.6791% | 3,224 |
| Assets per employee ($millions) | 3.5783% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5801% | 7,696 |
| Loan loss allowance to noncurrent loans | 38.4032% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 1.3774% | 3,895 |
| Noncurrent loans to loans | 1.5107% | 4,018 |
| Net loans and leases to total assets | 79.2973% | 1,521 |
| Net loans and leases to deposits | 103.0852% | 1,080 |
| Net loans and leases to core deposits | 134.8375% | 1,369 |
| Total domestic deposits to total assets | 76.9240% | 6,294 |
| Equity capital to assets | 9.0137% | 5,335 |
| Core capital (leverage) ratio | 9.1221% | 4,519 |
| Tier 1 risk-based capital ratio | 12.5350% | 4,522 |
| Total risk-based capital ratio | 13.1888% | 4,921 |
| Memoranda: | ||
| Average total assets | $182,073,500 | 3,476 |
| Average earning assets | $168,721,500 | 3,440 |
| Average equity | $16,748,000 | 3,785 |
| Average total loans | $143,728,500 | 3,113 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6350% | 2,311 |
| Cost of funding earning assets | 3.2602% | 1,022 |
| Net interest margin | 3.3749% | 5,768 |
| Noninterest income to average assets | 0.5809% | 3,998 |
| Noninterest expense to average assets | 3.0150% | 4,036 |
| Loan and lease loss provision to assets | 0.2975% | 4,006 |
| Net operating income to assets | 0.2332% | 5,746 |
| Return on assets (ROA) | 0.2448% | 5,537 |
| Pretax return on assets | 0.4046% | 5,252 |
| Return on Equity (ROE) | 2.6662% | 5,353 |
| Retained earnings to average equity (ytd only) | 2.6662% | 3,515 |
| Net charge-offs to loans | 0.2387% | 3,864 |
| Credit loss provision to net charge-offs | 158.6103% | 3,266 |
| Earnings coverage of net charge-offs (x) | 3.6465% | 4,271 |
| Efficiency ratio | 81.5076% | 2,371 |
| Assets per employee ($millions) | 3.3599% | 5,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5077% | 7,841 |
| Loan loss allowance to noncurrent loans | 29.3311% | 6,741 |
| Noncurrent assets plus other real estate owned to assets | 1.4550% | 3,307 |
| Noncurrent loans to loans | 1.7311% | 3,168 |
| Net loans and leases to total assets | 77.6864% | 2,223 |
| Net loans and leases to deposits | 108.0250% | 972 |
| Net loans and leases to core deposits | 131.6822% | 1,746 |
| Total domestic deposits to total assets | 71.9152% | 7,014 |
| Equity capital to assets | 9.3915% | 4,832 |
| Core capital (leverage) ratio | 9.2109% | 4,425 |
| Tier 1 risk-based capital ratio | 13.1149% | 4,051 |
| Total risk-based capital ratio | 13.6769% | 4,390 |
| Memoranda: | ||
| Average total assets | $176,449,800 | 3,453 |
| Average earning assets | $163,029,200 | 3,430 |
| Average equity | $16,202,800 | 3,886 |
| Average total loans | $138,681,800 | 3,119 |