Home > Bank of Bolivar > Performance and Condition Ratios
Bank of Bolivar, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8899% | 3,653 |
| Cost of funding earning assets | 0.5453% | 3,265 |
| Net interest margin | 3.3446% | 3,257 |
| Noninterest income to average assets | 0.3314% | 3,482 |
| Noninterest expense to average assets | 1.9775% | 4,275 |
| Loan and lease loss provision to assets | 0.1987% | 2,057 |
| Net operating income to assets | 0.9322% | 2,569 |
| Return on assets (ROA) | 0.9539% | 2,608 |
| Pretax return on assets | 1.2205% | 2,291 |
| Return on Equity (ROE) | 8.9032% | 2,397 |
| Retained earnings to average equity (ytd only) | 8.9032% | 1,031 |
| Net charge-offs to loans | 0.0054% | 2,768 |
| Credit loss provision to net charge-offs | 4,642.8571% | 252 |
| Earnings coverage of net charge-offs (x) | 325.1429% | 306 |
| Efficiency ratio | 57.0599% | 3,808 |
| Assets per employee ($millions) | 4.7073% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1206% | 5,010 |
| Loan loss allowance to noncurrent loans | 31.5789% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 0.6874% | 1,783 |
| Noncurrent loans to loans | 0.3819% | 3,043 |
| Net loans and leases to total assets | 74.5916% | 1,330 |
| Net loans and leases to deposits | 84.8183% | 1,912 |
| Net loans and leases to core deposits | 89.7899% | 2,086 |
| Total domestic deposits to total assets | 87.9427% | 1,208 |
| Equity capital to assets | 11.3189% | 2,113 |
| Core capital (leverage) ratio | 7.6084% | 4,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8159% | 3,180 |
| Memoranda: | ||
| Average total assets | $327,075,667 | 2,105 |
| Average earning assets | $297,078,667 | 2,141 |
| Average equity | $35,043,667 | 2,201 |
| Average total loans | $257,432,000 | 1,859 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0744% | 5,082 |
| Cost of funding earning assets | 0.3872% | 4,402 |
| Net interest margin | 1.6872% | 5,059 |
| Noninterest income to average assets | 0.2050% | 4,321 |
| Noninterest expense to average assets | 1.0672% | 5,051 |
| Loan and lease loss provision to assets | 0.1082% | 2,324 |
| Net operating income to assets | 0.4415% | 4,043 |
| Return on assets (ROA) | 0.4305% | 4,107 |
| Pretax return on assets | 0.5527% | 4,026 |
| Return on Equity (ROE) | 4.1491% | 3,911 |
| Retained earnings to average equity (ytd only) | -23.4218% | 4,994 |
| Net charge-offs to loans | 0.0047% | 2,410 |
| Credit loss provision to net charge-offs | 2,833.3333% | 273 |
| Earnings coverage of net charge-offs (x) | 176.6667% | 376 |
| Efficiency ratio | 59.5760% | 3,801 |
| Assets per employee ($millions) | 4.1960% | 3,666 |
| Cash dividends to net income (ytd only)* | 664.4970% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0325% | 5,061 |
| Loan loss allowance to noncurrent loans | 21.6359% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 0.6899% | 1,934 |
| Noncurrent loans to loans | 0.1504% | 3,920 |
| Net loans and leases to total assets | 78.9974% | 823 |
| Net loans and leases to deposits | 90.6883% | 1,433 |
| Net loans and leases to core deposits | 97.5270% | 1,679 |
| Total domestic deposits to total assets | 87.1088% | 1,515 |
| Equity capital to assets | 12.0000% | 2,070 |
| Core capital (leverage) ratio | 7.9507% | 4,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.8779% | 3,392 |
| Memoranda: | ||
| Average total assets | $314,089,500 | 2,134 |
| Average earning assets | $286,160,500 | 2,155 |
| Average equity | $32,585,000 | 2,323 |
| Average total loans | $254,317,000 | 1,834 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9898% | 1,509 |
| Cost of funding earning assets | 1.1541% | 1,146 |
| Net interest margin | 3.8357% | 2,387 |
| Noninterest income to average assets | 0.4998% | 2,742 |
| Noninterest expense to average assets | 2.9697% | 2,097 |
| Loan and lease loss provision to assets | 0.0757% | 2,482 |
| Net operating income to assets | 0.8614% | 3,352 |
| Return on assets (ROA) | 0.8863% | 3,346 |
| Pretax return on assets | 1.0388% | 3,366 |
| Return on Equity (ROE) | 10.4359% | 2,108 |
| Retained earnings to average equity (ytd only) | 7.2377% | 1,286 |
| Net charge-offs to loans | 0.0394% | 2,600 |
| Credit loss provision to net charge-offs | 239.5833% | 1,132 |
| Earnings coverage of net charge-offs (x) | 34.3333% | 1,449 |
| Efficiency ratio | 73.2381% | 1,695 |
| Assets per employee ($millions) | 3.9651% | 3,943 |
| Cash dividends to net income (ytd only)* | 30.6464% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 3,159 |
| Loan loss allowance to noncurrent loans | 873.3974% | 629 |
| Noncurrent assets plus other real estate owned to assets | 1.0427% | 1,189 |
| Noncurrent loans to loans | 0.1216% | 4,042 |
| Net loans and leases to total assets | 82.0955% | 548 |
| Net loans and leases to deposits | 90.6995% | 1,515 |
| Net loans and leases to core deposits | 97.5560% | 1,767 |
| Total domestic deposits to total assets | 90.5138% | 194 |
| Equity capital to assets | 8.6983% | 4,827 |
| Core capital (leverage) ratio | 8.6743% | 4,737 |
| Tier 1 risk-based capital ratio | 11.0427% | 4,839 |
| Total risk-based capital ratio | 12.1637% | 4,795 |
| Memoranda: | ||
| Average total assets | $303,730,000 | 2,144 |
| Average earning assets | $281,513,600 | 2,132 |
| Average equity | $25,795,600 | 2,654 |
| Average total loans | $243,764,200 | 1,864 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9666% | 1,632 |
| Cost of funding earning assets | 1.1661% | 1,122 |
| Net interest margin | 3.8005% | 2,595 |
| Noninterest income to average assets | 0.5239% | 2,586 |
| Noninterest expense to average assets | 2.9974% | 1,989 |
| Loan and lease loss provision to assets | 0.0935% | 2,040 |
| Net operating income to assets | 0.8294% | 3,579 |
| Return on assets (ROA) | 0.8467% | 3,611 |
| Pretax return on assets | 0.9711% | 3,682 |
| Return on Equity (ROE) | 10.0315% | 2,415 |
| Retained earnings to average equity (ytd only) | 7.7849% | 1,499 |
| Net charge-offs to loans | 0.0116% | 2,947 |
| Credit loss provision to net charge-offs | 1,009.5238% | 344 |
| Earnings coverage of net charge-offs (x) | 112.8068% | 685 |
| Efficiency ratio | 74.1545% | 1,542 |
| Assets per employee ($millions) | 3.8686% | 4,069 |
| Cash dividends to net income (ytd only)* | 22.3958% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 2,847 |
| Loan loss allowance to noncurrent loans | 297.2222% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 1.0775% | 1,219 |
| Noncurrent loans to loans | 0.3821% | 3,185 |
| Net loans and leases to total assets | 79.2504% | 950 |
| Net loans and leases to deposits | 87.4077% | 2,011 |
| Net loans and leases to core deposits | 94.4788% | 2,137 |
| Total domestic deposits to total assets | 90.6675% | 142 |
| Equity capital to assets | 8.6768% | 4,935 |
| Core capital (leverage) ratio | 8.6829% | 4,851 |
| Tier 1 risk-based capital ratio | 11.3494% | 4,739 |
| Total risk-based capital ratio | 12.5423% | 4,670 |
| Memoranda: | ||
| Average total assets | $302,342,500 | 2,171 |
| Average earning assets | $279,889,000 | 2,161 |
| Average equity | $25,519,000 | 2,680 |
| Average total loans | $240,547,750 | 1,892 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 1,766 |
| Cost of funding earning assets | 1.1483% | 1,145 |
| Net interest margin | 3.7473% | 2,767 |
| Noninterest income to average assets | 0.5066% | 2,639 |
| Noninterest expense to average assets | 3.0128% | 1,972 |
| Loan and lease loss provision to assets | 0.0943% | 1,970 |
| Net operating income to assets | 0.7709% | 3,748 |
| Return on assets (ROA) | 0.7934% | 3,741 |
| Pretax return on assets | 0.8870% | 3,883 |
| Return on Equity (ROE) | 9.4894% | 2,639 |
| Retained earnings to average equity (ytd only) | 6.5513% | 2,029 |
| Net charge-offs to loans | 0.0100% | 2,769 |
| Credit loss provision to net charge-offs | 1,183.3333% | 300 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 608 |
| Efficiency ratio | 75.9117% | 1,404 |
| Assets per employee ($millions) | 3.7763% | 4,157 |
| Cash dividends to net income (ytd only)* | 30.9623% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 2,945 |
| Loan loss allowance to noncurrent loans | 302.3333% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 1.2963% | 983 |
| Noncurrent loans to loans | 0.3713% | 3,193 |
| Net loans and leases to total assets | 77.4072% | 1,327 |
| Net loans and leases to deposits | 84.9314% | 2,374 |
| Net loans and leases to core deposits | 91.5157% | 2,463 |
| Total domestic deposits to total assets | 91.1408% | 88 |
| Equity capital to assets | 8.3286% | 5,109 |
| Core capital (leverage) ratio | 8.5180% | 4,958 |
| Tier 1 risk-based capital ratio | 11.0569% | 4,884 |
| Total risk-based capital ratio | 12.2230% | 4,838 |
| Memoranda: | ||
| Average total assets | $301,250,000 | 2,179 |
| Average earning assets | $278,330,330 | 2,177 |
| Average equity | $25,186,000 | 2,702 |
| Average total loans | $239,068,000 | 1,908 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8473% | 1,777 |
| Cost of funding earning assets | 1.1179% | 1,128 |
| Net interest margin | 3.7294% | 2,784 |
| Noninterest income to average assets | 0.3272% | 3,665 |
| Noninterest expense to average assets | 3.1147% | 1,705 |
| Loan and lease loss provision to assets | 0.0875% | 1,963 |
| Net operating income to assets | 0.5283% | 4,437 |
| Return on assets (ROA) | 0.5346% | 4,450 |
| Pretax return on assets | 0.5683% | 4,571 |
| Return on Equity (ROE) | 6.3816% | 3,883 |
| Retained earnings to average equity (ytd only) | 4.7742% | 3,010 |
| Net charge-offs to loans | 0.0185% | 2,095 |
| Credit loss provision to net charge-offs | 590.9091% | 548 |
| Earnings coverage of net charge-offs (x) | 43.8182% | 1,097 |
| Efficiency ratio | 82.7549% | 813 |
| Assets per employee ($millions) | 3.8310% | 4,146 |
| Cash dividends to net income (ytd only)* | 25.1889% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 3,085 |
| Loan loss allowance to noncurrent loans | 190.5620% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 1.4400% | 854 |
| Noncurrent loans to loans | 0.5813% | 2,595 |
| Net loans and leases to total assets | 78.0156% | 1,143 |
| Net loans and leases to deposits | 85.6499% | 2,175 |
| Net loans and leases to core deposits | 92.3358% | 2,271 |
| Total domestic deposits to total assets | 91.0866% | 156 |
| Equity capital to assets | 8.2962% | 5,086 |
| Core capital (leverage) ratio | 8.6804% | 4,887 |
| Tier 1 risk-based capital ratio | 10.9781% | 4,987 |
| Total risk-based capital ratio | 12.1270% | 4,935 |
| Memoranda: | ||
| Average total assets | $297,047,000 | 2,213 |
| Average earning assets | $273,717,500 | 2,212 |
| Average equity | $24,884,000 | 2,729 |
| Average total loans | $237,393,500 | 1,938 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6931% | 1,844 |
| Cost of funding earning assets | 0.8706% | 1,220 |
| Net interest margin | 3.8225% | 2,583 |
| Noninterest income to average assets | 0.3918% | 3,484 |
| Noninterest expense to average assets | 3.0641% | 1,890 |
| Loan and lease loss provision to assets | 0.1065% | 2,072 |
| Net operating income to assets | 0.6320% | 4,330 |
| Return on assets (ROA) | 0.7241% | 4,065 |
| Pretax return on assets | 0.8425% | 4,061 |
| Return on Equity (ROE) | 8.5733% | 3,191 |
| Retained earnings to average equity (ytd only) | 5.2413% | 2,634 |
| Net charge-offs to loans | 0.0048% | 3,544 |
| Credit loss provision to net charge-offs | 2,754.5455% | 179 |
| Earnings coverage of net charge-offs (x) | 217.8182% | 424 |
| Efficiency ratio | 78.4474% | 1,091 |
| Assets per employee ($millions) | 3.6892% | 4,332 |
| Cash dividends to net income (ytd only)* | 38.8646% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 3,109 |
| Loan loss allowance to noncurrent loans | 149.8554% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 1.5231% | 767 |
| Noncurrent loans to loans | 0.7325% | 2,159 |
| Net loans and leases to total assets | 80.0966% | 927 |
| Net loans and leases to deposits | 92.4471% | 1,491 |
| Net loans and leases to core deposits | 100.0077% | 1,717 |
| Total domestic deposits to total assets | 86.6405% | 1,947 |
| Equity capital to assets | 8.4612% | 4,955 |
| Core capital (leverage) ratio | 8.6734% | 4,902 |
| Tier 1 risk-based capital ratio | 11.1108% | 4,920 |
| Total risk-based capital ratio | 12.2639% | 4,863 |
| Memoranda: | ||
| Average total assets | $284,615,600 | 2,238 |
| Average earning assets | $261,662,800 | 2,255 |
| Average equity | $24,039,800 | 2,724 |
| Average total loans | $229,082,600 | 1,954 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6089% | 1,951 |
| Cost of funding earning assets | 0.7974% | 1,352 |
| Net interest margin | 3.8115% | 2,607 |
| Noninterest income to average assets | 0.3945% | 3,515 |
| Noninterest expense to average assets | 2.9583% | 2,145 |
| Loan and lease loss provision to assets | 0.1131% | 1,797 |
| Net operating income to assets | 0.7093% | 4,194 |
| Return on assets (ROA) | 0.8346% | 3,804 |
| Pretax return on assets | 0.9779% | 3,787 |
| Return on Equity (ROE) | 9.8861% | 2,670 |
| Retained earnings to average equity (ytd only) | 6.1404% | 2,585 |
| Net charge-offs to loans | 0.0076% | 3,146 |
| Credit loss provision to net charge-offs | 1,846.1538% | 231 |
| Earnings coverage of net charge-offs (x) | 154.0260% | 537 |
| Efficiency ratio | 75.8183% | 1,373 |
| Assets per employee ($millions) | 3.7839% | 4,196 |
| Cash dividends to net income (ytd only)* | 37.8881% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 3,326 |
| Loan loss allowance to noncurrent loans | 141.9101% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.5853% | 795 |
| Noncurrent loans to loans | 0.7574% | 2,193 |
| Net loans and leases to total assets | 80.8451% | 895 |
| Net loans and leases to deposits | 93.8804% | 1,392 |
| Net loans and leases to core deposits | 100.2574% | 1,770 |
| Total domestic deposits to total assets | 86.1150% | 2,136 |
| Equity capital to assets | 8.4583% | 4,953 |
| Core capital (leverage) ratio | 8.7243% | 4,942 |
| Tier 1 risk-based capital ratio | 11.1953% | 4,946 |
| Total risk-based capital ratio | 12.3353% | 4,891 |
| Memoranda: | ||
| Average total assets | $282,907,500 | 2,261 |
| Average earning assets | $260,330,000 | 2,274 |
| Average equity | $23,884,750 | 2,748 |
| Average total loans | $227,345,500 | 1,972 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5129% | 2,051 |
| Cost of funding earning assets | 0.7507% | 1,366 |
| Net interest margin | 3.7622% | 2,704 |
| Noninterest income to average assets | 0.3860% | 3,579 |
| Noninterest expense to average assets | 2.9337% | 2,247 |
| Loan and lease loss provision to assets | 0.1009% | 1,931 |
| Net operating income to assets | 0.6825% | 4,243 |
| Return on assets (ROA) | 0.8765% | 3,555 |
| Pretax return on assets | 1.0350% | 3,552 |
| Return on Equity (ROE) | 10.3883% | 2,386 |
| Retained earnings to average equity (ytd only) | 5.3668% | 2,895 |
| Net charge-offs to loans | 0.0071% | 2,875 |
| Credit loss provision to net charge-offs | 1,775.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 159.6250% | 493 |
| Efficiency ratio | 76.3694% | 1,379 |
| Assets per employee ($millions) | 3.9524% | 3,980 |
| Cash dividends to net income (ytd only)* | 48.3374% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 3,539 |
| Loan loss allowance to noncurrent loans | 185.7252% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 1.5899% | 811 |
| Noncurrent loans to loans | 0.5648% | 2,728 |
| Net loans and leases to total assets | 78.4643% | 1,245 |
| Net loans and leases to deposits | 91.9229% | 1,592 |
| Net loans and leases to core deposits | 97.8598% | 1,900 |
| Total domestic deposits to total assets | 85.3588% | 2,540 |
| Equity capital to assets | 8.1873% | 5,141 |
| Core capital (leverage) ratio | 8.6258% | 5,018 |
| Tier 1 risk-based capital ratio | 10.9537% | 5,075 |
| Total risk-based capital ratio | 12.0485% | 5,047 |
| Memoranda: | ||
| Average total assets | $281,351,330 | 2,277 |
| Average earning assets | $258,412,000 | 2,288 |
| Average equity | $23,738,330 | 2,774 |
| Average total loans | $224,788,330 | 1,991 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 2,109 |
| Cost of funding earning assets | 0.7092% | 1,391 |
| Net interest margin | 3.7163% | 2,740 |
| Noninterest income to average assets | 0.4119% | 3,383 |
| Noninterest expense to average assets | 2.9051% | 2,350 |
| Loan and lease loss provision to assets | 0.0899% | 2,010 |
| Net operating income to assets | 0.7317% | 3,980 |
| Return on assets (ROA) | 0.7368% | 3,962 |
| Pretax return on assets | 0.8427% | 4,045 |
| Return on Equity (ROE) | 8.5976% | 3,104 |
| Retained earnings to average equity (ytd only) | 6.9729% | 2,290 |
| Net charge-offs to loans | 0.0072% | 2,483 |
| Credit loss provision to net charge-offs | 1,550.0000% | 229 |
| Earnings coverage of net charge-offs (x) | 159.7500% | 412 |
| Efficiency ratio | 75.8138% | 1,618 |
| Assets per employee ($millions) | 3.7059% | 4,412 |
| Cash dividends to net income (ytd only)* | 18.8976% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 3,633 |
| Loan loss allowance to noncurrent loans | 152.4580% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.7489% | 713 |
| Noncurrent loans to loans | 0.6918% | 2,482 |
| Net loans and leases to total assets | 79.5604% | 1,005 |
| Net loans and leases to deposits | 89.9704% | 1,696 |
| Net loans and leases to core deposits | 96.2779% | 1,957 |
| Total domestic deposits to total assets | 88.4296% | 1,393 |
| Equity capital to assets | 8.5475% | 4,937 |
| Core capital (leverage) ratio | 8.8498% | 4,852 |
| Tier 1 risk-based capital ratio | 11.3133% | 4,972 |
| Total risk-based capital ratio | 12.4190% | 4,940 |
| Memoranda: | ||
| Average total assets | $275,788,500 | 2,334 |
| Average earning assets | $253,800,000 | 2,344 |
| Average equity | $23,634,500 | 2,808 |
| Average total loans | $221,221,000 | 2,028 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3272% | 2,240 |
| Cost of funding earning assets | 0.6013% | 1,585 |
| Net interest margin | 3.7259% | 2,693 |
| Noninterest income to average assets | 0.4890% | 3,066 |
| Noninterest expense to average assets | 2.8772% | 2,532 |
| Loan and lease loss provision to assets | 0.0649% | 2,915 |
| Net operating income to assets | 0.7446% | 3,411 |
| Return on assets (ROA) | 0.7446% | 3,451 |
| Pretax return on assets | 0.9605% | 3,699 |
| Return on Equity (ROE) | 8.3275% | 2,634 |
| Retained earnings to average equity (ytd only) | 2.0936% | 4,066 |
| Net charge-offs to loans | -0.0533% | 5,210 |
| Credit loss provision to net charge-offs | -153.1532% | 4,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7249% | 1,938 |
| Assets per employee ($millions) | 3.8540% | 4,196 |
| Cash dividends to net income (ytd only)* | 74.8589% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 3,622 |
| Loan loss allowance to noncurrent loans | 450.7843% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 1.3953% | 1,008 |
| Noncurrent loans to loans | 0.2329% | 3,968 |
| Net loans and leases to total assets | 79.1764% | 1,083 |
| Net loans and leases to deposits | 92.2242% | 1,489 |
| Net loans and leases to core deposits | 99.1270% | 1,780 |
| Total domestic deposits to total assets | 85.8520% | 2,506 |
| Equity capital to assets | 8.5924% | 5,048 |
| Core capital (leverage) ratio | 8.8157% | 4,846 |
| Tier 1 risk-based capital ratio | 11.3897% | 4,923 |
| Total risk-based capital ratio | 12.4965% | 4,893 |
| Memoranda: | ||
| Average total assets | $261,750,200 | 2,400 |
| Average earning assets | $239,806,600 | 2,423 |
| Average equity | $23,404,400 | 2,815 |
| Average total loans | $208,242,600 | 2,097 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2947% | 2,276 |
| Cost of funding earning assets | 0.5780% | 1,684 |
| Net interest margin | 3.7167% | 2,694 |
| Noninterest income to average assets | 0.5029% | 3,015 |
| Noninterest expense to average assets | 2.9028% | 2,400 |
| Loan and lease loss provision to assets | 0.0562% | 2,966 |
| Net operating income to assets | 0.7270% | 3,833 |
| Return on assets (ROA) | 0.7270% | 3,904 |
| Pretax return on assets | 0.9465% | 3,883 |
| Return on Equity (ROE) | 8.0474% | 3,103 |
| Retained earnings to average equity (ytd only) | 3.2737% | 3,976 |
| Net charge-offs to loans | -0.0759% | 5,299 |
| Credit loss provision to net charge-offs | -93.1624% | 4,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3272% | 1,845 |
| Assets per employee ($millions) | 3.7385% | 4,396 |
| Cash dividends to net income (ytd only)* | 59.3194% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,718 |
| Loan loss allowance to noncurrent loans | 984.2105% | 612 |
| Noncurrent assets plus other real estate owned to assets | 1.3321% | 1,203 |
| Noncurrent loans to loans | 0.1080% | 4,626 |
| Net loans and leases to total assets | 78.7076% | 1,163 |
| Net loans and leases to deposits | 89.3251% | 1,890 |
| Net loans and leases to core deposits | 96.5042% | 2,023 |
| Total domestic deposits to total assets | 88.1136% | 1,306 |
| Equity capital to assets | 8.9385% | 4,967 |
| Core capital (leverage) ratio | 9.1972% | 4,521 |
| Tier 1 risk-based capital ratio | 11.6486% | 4,853 |
| Total risk-based capital ratio | 12.7496% | 4,854 |
| Memoranda: | ||
| Average total assets | $258,778,750 | 2,441 |
| Average earning assets | $236,908,750 | 2,467 |
| Average equity | $23,377,500 | 2,845 |
| Average total loans | $205,564,750 | 2,122 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2518% | 2,280 |
| Cost of funding earning assets | 0.5575% | 1,729 |
| Net interest margin | 3.6943% | 2,676 |
| Noninterest income to average assets | 0.5153% | 2,926 |
| Noninterest expense to average assets | 2.9038% | 2,412 |
| Loan and lease loss provision to assets | 0.0592% | 2,786 |
| Net operating income to assets | 0.7141% | 3,778 |
| Return on assets (ROA) | 0.7141% | 3,848 |
| Pretax return on assets | 0.9308% | 3,826 |
| Return on Equity (ROE) | 7.8757% | 3,107 |
| Retained earnings to average equity (ytd only) | 2.8717% | 4,003 |
| Net charge-offs to loans | -0.1208% | 5,468 |
| Credit loss provision to net charge-offs | -61.7886% | 4,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5746% | 1,914 |
| Assets per employee ($millions) | 3.6842% | 4,457 |
| Cash dividends to net income (ytd only)* | 63.5371% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,659 |
| Loan loss allowance to noncurrent loans | 524.1135% | 987 |
| Noncurrent assets plus other real estate owned to assets | 1.4142% | 1,118 |
| Noncurrent loans to loans | 0.2074% | 4,293 |
| Net loans and leases to total assets | 78.2386% | 1,210 |
| Net loans and leases to deposits | 89.1739% | 1,842 |
| Net loans and leases to core deposits | 96.4696% | 1,931 |
| Total domestic deposits to total assets | 87.7371% | 1,599 |
| Equity capital to assets | 9.1182% | 4,784 |
| Core capital (leverage) ratio | 9.2856% | 4,378 |
| Tier 1 risk-based capital ratio | 11.9854% | 4,641 |
| Total risk-based capital ratio | 13.1161% | 4,610 |
| Memoranda: | ||
| Average total assets | $256,559,330 | 2,472 |
| Average earning assets | $234,631,670 | 2,492 |
| Average equity | $23,261,330 | 2,854 |
| Average total loans | $203,698,670 | 2,136 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2069% | 2,255 |
| Cost of funding earning assets | 0.5286% | 1,869 |
| Net interest margin | 3.6783% | 2,570 |
| Noninterest income to average assets | 0.4502% | 3,314 |
| Noninterest expense to average assets | 2.8121% | 2,747 |
| Loan and lease loss provision to assets | 0.0625% | 2,555 |
| Net operating income to assets | 0.7128% | 3,651 |
| Return on assets (ROA) | 0.7128% | 3,693 |
| Pretax return on assets | 0.9363% | 3,640 |
| Return on Equity (ROE) | 7.8843% | 2,977 |
| Retained earnings to average equity (ytd only) | 2.8702% | 3,985 |
| Net charge-offs to loans | -0.1336% | 5,533 |
| Credit loss provision to net charge-offs | -58.8235% | 3,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7900% | 2,265 |
| Assets per employee ($millions) | 3.8271% | 4,302 |
| Cash dividends to net income (ytd only)* | 63.5965% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 4,021 |
| Loan loss allowance to noncurrent loans | 492.1296% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 1.6957% | 881 |
| Noncurrent loans to loans | 0.2118% | 4,353 |
| Net loans and leases to total assets | 78.7296% | 1,022 |
| Net loans and leases to deposits | 89.2237% | 1,641 |
| Net loans and leases to core deposits | 96.5138% | 1,780 |
| Total domestic deposits to total assets | 88.2385% | 1,566 |
| Equity capital to assets | 9.0725% | 4,740 |
| Core capital (leverage) ratio | 9.2279% | 4,438 |
| Tier 1 risk-based capital ratio | 11.6950% | 4,915 |
| Total risk-based capital ratio | 12.7606% | 4,926 |
| Memoranda: | ||
| Average total assets | $255,893,000 | 2,498 |
| Average earning assets | $233,804,000 | 2,521 |
| Average equity | $23,134,500 | 2,874 |
| Average total loans | $203,554,000 | 2,145 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3054% | 2,120 |
| Cost of funding earning assets | 0.5436% | 1,761 |
| Net interest margin | 3.7618% | 2,463 |
| Noninterest income to average assets | 0.4684% | 3,420 |
| Noninterest expense to average assets | 2.9613% | 2,461 |
| Loan and lease loss provision to assets | 0.1503% | 1,662 |
| Net operating income to assets | 0.6214% | 4,114 |
| Return on assets (ROA) | 0.6575% | 4,084 |
| Pretax return on assets | 0.8141% | 4,148 |
| Return on Equity (ROE) | 6.9863% | 3,475 |
| Retained earnings to average equity (ytd only) | 2.5979% | 4,042 |
| Net charge-offs to loans | 0.0975% | 2,322 |
| Credit loss provision to net charge-offs | 195.6989% | 1,441 |
| Earnings coverage of net charge-offs (x) | 11.9731% | 2,498 |
| Efficiency ratio | 76.3009% | 1,937 |
| Assets per employee ($millions) | 3.9902% | 3,985 |
| Cash dividends to net income (ytd only)* | 62.8141% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 4,370 |
| Loan loss allowance to noncurrent loans | 560.5556% | 970 |
| Noncurrent assets plus other real estate owned to assets | 1.7649% | 850 |
| Noncurrent loans to loans | 0.1772% | 4,523 |
| Net loans and leases to total assets | 78.7440% | 1,082 |
| Net loans and leases to deposits | 91.8920% | 1,472 |
| Net loans and leases to core deposits | 99.4093% | 1,675 |
| Total domestic deposits to total assets | 85.6919% | 2,731 |
| Equity capital to assets | 9.0088% | 4,816 |
| Core capital (leverage) ratio | 9.3567% | 4,274 |
| Tier 1 risk-based capital ratio | 11.6474% | 4,957 |
| Total risk-based capital ratio | 12.6620% | 5,011 |
| Memoranda: | ||
| Average total assets | $242,120,200 | 2,564 |
| Average earning assets | $219,656,600 | 2,605 |
| Average equity | $22,787,600 | 2,910 |
| Average total loans | $190,694,800 | 2,204 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3176% | 2,109 |
| Cost of funding earning assets | 0.5536% | 1,658 |
| Net interest margin | 3.7640% | 2,479 |
| Noninterest income to average assets | 0.4818% | 3,369 |
| Noninterest expense to average assets | 3.0104% | 2,291 |
| Loan and lease loss provision to assets | 0.1815% | 1,222 |
| Net operating income to assets | 0.5764% | 4,383 |
| Return on assets (ROA) | 0.6259% | 4,303 |
| Pretax return on assets | 0.7593% | 4,442 |
| Return on Equity (ROE) | 6.5747% | 3,788 |
| Retained earnings to average equity (ytd only) | 2.0000% | 4,686 |
| Net charge-offs to loans | 0.1286% | 1,673 |
| Credit loss provision to net charge-offs | 179.5580% | 1,562 |
| Earnings coverage of net charge-offs (x) | 8.7126% | 2,740 |
| Efficiency ratio | 77.3712% | 1,782 |
| Assets per employee ($millions) | 3.9065% | 4,115 |
| Cash dividends to net income (ytd only)* | 69.5804% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 4,377 |
| Loan loss allowance to noncurrent loans | 531.9035% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 1.9024% | 841 |
| Noncurrent loans to loans | 0.1888% | 4,590 |
| Net loans and leases to total assets | 79.4562% | 975 |
| Net loans and leases to deposits | 92.2257% | 1,467 |
| Net loans and leases to core deposits | 98.5119% | 1,768 |
| Total domestic deposits to total assets | 86.1540% | 2,279 |
| Equity capital to assets | 9.3556% | 4,813 |
| Core capital (leverage) ratio | 9.4263% | 4,293 |
| Tier 1 risk-based capital ratio | 11.8696% | 4,876 |
| Total risk-based capital ratio | 12.8972% | 4,914 |
| Memoranda: | ||
| Average total assets | $238,807,000 | 2,599 |
| Average earning assets | $216,289,250 | 2,645 |
| Average equity | $22,733,000 | 2,941 |
| Average total loans | $187,591,250 | 2,234 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3107% | 2,122 |
| Cost of funding earning assets | 0.5620% | 1,596 |
| Net interest margin | 3.7486% | 2,520 |
| Noninterest income to average assets | 0.4814% | 3,321 |
| Noninterest expense to average assets | 3.0646% | 2,158 |
| Loan and lease loss provision to assets | 0.2149% | 979 |
| Net operating income to assets | 0.4994% | 4,684 |
| Return on assets (ROA) | 0.5771% | 4,489 |
| Pretax return on assets | 0.6794% | 4,679 |
| Return on Equity (ROE) | 6.0259% | 4,036 |
| Retained earnings to average equity (ytd only) | 0.3711% | 5,192 |
| Net charge-offs to loans | 0.1910% | 1,199 |
| Credit loss provision to net charge-offs | 144.3182% | 1,639 |
| Earnings coverage of net charge-offs (x) | 5.3920% | 2,864 |
| Efficiency ratio | 79.2387% | 1,606 |
| Assets per employee ($millions) | 3.7484% | 4,363 |
| Cash dividends to net income (ytd only)* | 93.8416% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 4,557 |
| Loan loss allowance to noncurrent loans | 498.1818% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 2.1749% | 714 |
| Noncurrent loans to loans | 0.2000% | 4,641 |
| Net loans and leases to total assets | 78.2266% | 1,169 |
| Net loans and leases to deposits | 90.7051% | 1,669 |
| Net loans and leases to core deposits | 96.7448% | 1,911 |
| Total domestic deposits to total assets | 86.2427% | 2,302 |
| Equity capital to assets | 9.3291% | 4,943 |
| Core capital (leverage) ratio | 9.4014% | 4,336 |
| Tier 1 risk-based capital ratio | 11.9203% | 4,880 |
| Total risk-based capital ratio | 12.9312% | 4,938 |
| Memoranda: | ||
| Average total assets | $236,373,330 | 2,630 |
| Average earning assets | $213,517,670 | 2,677 |
| Average equity | $22,635,670 | 2,961 |
| Average total loans | $184,277,670 | 2,274 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3107% | 2,091 |
| Cost of funding earning assets | 0.5638% | 1,592 |
| Net interest margin | 3.7468% | 2,493 |
| Noninterest income to average assets | 0.3833% | 3,964 |
| Noninterest expense to average assets | 3.1864% | 1,871 |
| Loan and lease loss provision to assets | 0.2097% | 927 |
| Net operating income to assets | 0.3385% | 5,187 |
| Return on assets (ROA) | 0.4761% | 4,817 |
| Pretax return on assets | 0.5173% | 5,037 |
| Return on Equity (ROE) | 4.9052% | 4,525 |
| Retained earnings to average equity (ytd only) | 0.6552% | 4,951 |
| Net charge-offs to loans | 0.3397% | 655 |
| Credit loss provision to net charge-offs | 79.7386% | 1,837 |
| Earnings coverage of net charge-offs (x) | 2.1961% | 2,723 |
| Efficiency ratio | 84.6575% | 1,093 |
| Assets per employee ($millions) | 3.5618% | 4,720 |
| Cash dividends to net income (ytd only)* | 86.6426% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 4,643 |
| Loan loss allowance to noncurrent loans | 358.9286% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 2.3222% | 673 |
| Noncurrent loans to loans | 0.2766% | 4,441 |
| Net loans and leases to total assets | 76.7409% | 1,287 |
| Net loans and leases to deposits | 86.7018% | 1,983 |
| Net loans and leases to core deposits | 92.5429% | 2,137 |
| Total domestic deposits to total assets | 88.5112% | 1,351 |
| Equity capital to assets | 9.6468% | 4,506 |
| Core capital (leverage) ratio | 9.7976% | 3,784 |
| Tier 1 risk-based capital ratio | 12.1536% | 4,809 |
| Total risk-based capital ratio | 13.1259% | 4,899 |
| Memoranda: | ||
| Average total assets | $232,737,000 | 2,667 |
| Average earning assets | $209,991,500 | 2,717 |
| Average equity | $22,588,500 | 2,966 |
| Average total loans | $180,159,500 | 2,307 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3489% | 2,062 |
| Cost of funding earning assets | 0.5773% | 1,527 |
| Net interest margin | 3.7717% | 2,473 |
| Noninterest income to average assets | 0.5743% | 2,866 |
| Noninterest expense to average assets | 3.1773% | 2,016 |
| Loan and lease loss provision to assets | 0.0953% | 2,410 |
| Net operating income to assets | 0.6031% | 4,254 |
| Return on assets (ROA) | 0.6350% | 4,201 |
| Pretax return on assets | 0.7246% | 4,458 |
| Return on Equity (ROE) | 6.5633% | 3,747 |
| Retained earnings to average equity (ytd only) | 3.4691% | 3,588 |
| Net charge-offs to loans | 0.1186% | 2,184 |
| Credit loss provision to net charge-offs | 106.3415% | 2,365 |
| Earnings coverage of net charge-offs (x) | 8.7463% | 2,910 |
| Efficiency ratio | 80.2163% | 1,643 |
| Assets per employee ($millions) | 3.3881% | 4,999 |
| Cash dividends to net income (ytd only)* | 47.1438% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 4,421 |
| Loan loss allowance to noncurrent loans | 274.6269% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 2.4159% | 652 |
| Noncurrent loans to loans | 0.3762% | 4,099 |
| Net loans and leases to total assets | 76.5070% | 1,331 |
| Net loans and leases to deposits | 86.7267% | 2,038 |
| Net loans and leases to core deposits | 92.7159% | 2,157 |
| Total domestic deposits to total assets | 88.2162% | 1,528 |
| Equity capital to assets | 9.7655% | 4,223 |
| Core capital (leverage) ratio | 9.8721% | 3,684 |
| Tier 1 risk-based capital ratio | 12.2580% | 4,784 |
| Total risk-based capital ratio | 13.2571% | 4,843 |
| Memoranda: | ||
| Average total assets | $228,814,000 | 2,677 |
| Average earning assets | $205,452,400 | 2,720 |
| Average equity | $22,138,400 | 2,961 |
| Average total loans | $172,806,000 | 2,320 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3446% | 2,094 |
| Cost of funding earning assets | 0.5780% | 1,559 |
| Net interest margin | 3.7666% | 2,503 |
| Noninterest income to average assets | 0.5744% | 2,883 |
| Noninterest expense to average assets | 3.1911% | 1,993 |
| Loan and lease loss provision to assets | 0.0975% | 2,224 |
| Net operating income to assets | 0.5837% | 4,461 |
| Return on assets (ROA) | 0.6263% | 4,368 |
| Pretax return on assets | 0.7121% | 4,645 |
| Return on Equity (ROE) | 6.4886% | 3,918 |
| Retained earnings to average equity (ytd only) | 4.6745% | 3,146 |
| Net charge-offs to loans | 0.1563% | 1,576 |
| Credit loss provision to net charge-offs | 83.0846% | 2,567 |
| Earnings coverage of net charge-offs (x) | 6.4876% | 3,043 |
| Efficiency ratio | 80.7414% | 1,557 |
| Assets per employee ($millions) | 3.2867% | 5,143 |
| Cash dividends to net income (ytd only)* | 27.9590% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 4,633 |
| Loan loss allowance to noncurrent loans | 297.3466% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 2.4614% | 712 |
| Noncurrent loans to loans | 0.3437% | 4,384 |
| Net loans and leases to total assets | 75.4713% | 1,465 |
| Net loans and leases to deposits | 85.3676% | 2,227 |
| Net loans and leases to core deposits | 91.4177% | 2,324 |
| Total domestic deposits to total assets | 88.4074% | 1,341 |
| Equity capital to assets | 9.8101% | 4,377 |
| Core capital (leverage) ratio | 9.8675% | 3,814 |
| Tier 1 risk-based capital ratio | 12.5266% | 4,740 |
| Total risk-based capital ratio | 13.5213% | 4,805 |
| Memoranda: | ||
| Average total assets | $228,419,500 | 2,695 |
| Average earning assets | $204,848,750 | 2,740 |
| Average equity | $22,048,250 | 2,984 |
| Average total loans | $171,481,000 | 2,352 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2796% | 2,242 |
| Cost of funding earning assets | 0.5793% | 1,572 |
| Net interest margin | 3.7003% | 2,704 |
| Noninterest income to average assets | 0.5608% | 2,971 |
| Noninterest expense to average assets | 3.2440% | 1,857 |
| Loan and lease loss provision to assets | 0.1080% | 2,027 |
| Net operating income to assets | 0.4829% | 4,838 |
| Return on assets (ROA) | 0.5433% | 4,696 |
| Pretax return on assets | 0.5872% | 5,008 |
| Return on Equity (ROE) | 5.6596% | 4,296 |
| Retained earnings to average equity (ytd only) | 2.9167% | 4,181 |
| Net charge-offs to loans | 0.1939% | 1,290 |
| Credit loss provision to net charge-offs | 74.5455% | 2,409 |
| Earnings coverage of net charge-offs (x) | 4.3515% | 3,049 |
| Efficiency ratio | 83.7336% | 1,293 |
| Assets per employee ($millions) | 3.2344% | 5,292 |
| Cash dividends to net income (ytd only)* | 48.4653% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 4,722 |
| Loan loss allowance to noncurrent loans | 289.7727% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 2.5174% | 749 |
| Noncurrent loans to loans | 0.3548% | 4,432 |
| Net loans and leases to total assets | 74.8306% | 1,532 |
| Net loans and leases to deposits | 84.5025% | 2,251 |
| Net loans and leases to core deposits | 90.9447% | 2,250 |
| Total domestic deposits to total assets | 88.5543% | 1,385 |
| Equity capital to assets | 9.5841% | 4,554 |
| Core capital (leverage) ratio | 9.7464% | 3,943 |
| Tier 1 risk-based capital ratio | 12.5629% | 4,767 |
| Total risk-based capital ratio | 13.5764% | 4,820 |
| Memoranda: | ||
| Average total assets | $227,869,670 | 2,720 |
| Average earning assets | $204,038,670 | 2,770 |
| Average equity | $21,874,330 | 3,009 |
| Average total loans | $170,165,000 | 2,375 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 2,130 |
| Cost of funding earning assets | 0.5808% | 1,575 |
| Net interest margin | 3.7092% | 2,589 |
| Noninterest income to average assets | 0.5375% | 3,038 |
| Noninterest expense to average assets | 3.2073% | 1,965 |
| Loan and lease loss provision to assets | 0.1375% | 1,496 |
| Net operating income to assets | 0.4856% | 4,744 |
| Return on assets (ROA) | 0.5040% | 4,784 |
| Pretax return on assets | 0.5322% | 5,093 |
| Return on Equity (ROE) | 5.2460% | 4,407 |
| Retained earnings to average equity (ytd only) | 2.4946% | 4,435 |
| Net charge-offs to loans | 0.2731% | 876 |
| Credit loss provision to net charge-offs | 67.8261% | 1,935 |
| Earnings coverage of net charge-offs (x) | 3.2087% | 2,639 |
| Efficiency ratio | 83.1430% | 1,469 |
| Assets per employee ($millions) | 3.2272% | 5,366 |
| Cash dividends to net income (ytd only)* | 52.4476% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 4,693 |
| Loan loss allowance to noncurrent loans | 142.1763% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 2.6434% | 784 |
| Noncurrent loans to loans | 0.7477% | 3,394 |
| Net loans and leases to total assets | 72.7054% | 1,699 |
| Net loans and leases to deposits | 82.2868% | 2,305 |
| Net loans and leases to core deposits | 89.0290% | 2,219 |
| Total domestic deposits to total assets | 88.3561% | 1,628 |
| Equity capital to assets | 9.5809% | 4,656 |
| Core capital (leverage) ratio | 9.8063% | 3,880 |
| Tier 1 risk-based capital ratio | 12.8914% | 4,669 |
| Total risk-based capital ratio | 13.9430% | 4,711 |
| Memoranda: | ||
| Average total assets | $226,984,500 | 2,746 |
| Average earning assets | $203,169,000 | 2,801 |
| Average equity | $21,807,000 | 3,038 |
| Average total loans | $168,434,500 | 2,390 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 2,110 |
| Cost of funding earning assets | 0.6118% | 1,667 |
| Net interest margin | 3.8246% | 2,533 |
| Noninterest income to average assets | 0.5834% | 2,962 |
| Noninterest expense to average assets | 3.2200% | 2,164 |
| Loan and lease loss provision to assets | 0.0407% | 3,761 |
| Net operating income to assets | 0.6293% | 4,239 |
| Return on assets (ROA) | 0.6414% | 4,286 |
| Pretax return on assets | 0.7494% | 4,444 |
| Return on Equity (ROE) | 6.4858% | 3,906 |
| Retained earnings to average equity (ytd only) | 2.3701% | 4,541 |
| Net charge-offs to loans | 0.2536% | 1,685 |
| Credit loss provision to net charge-offs | 21.9144% | 3,956 |
| Earnings coverage of net charge-offs (x) | 4.1788% | 3,714 |
| Efficiency ratio | 80.5783% | 1,838 |
| Assets per employee ($millions) | 3.1227% | 5,527 |
| Cash dividends to net income (ytd only)* | 63.4573% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 4,619 |
| Loan loss allowance to noncurrent loans | 235.1351% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 2.4569% | 945 |
| Noncurrent loans to loans | 0.4612% | 4,267 |
| Net loans and leases to total assets | 74.1251% | 1,564 |
| Net loans and leases to deposits | 85.4474% | 2,045 |
| Net loans and leases to core deposits | 92.1976% | 2,065 |
| Total domestic deposits to total assets | 86.7495% | 2,420 |
| Equity capital to assets | 9.6341% | 4,548 |
| Core capital (leverage) ratio | 10.0541% | 3,494 |
| Tier 1 risk-based capital ratio | 13.0314% | 4,713 |
| Total risk-based capital ratio | 14.1232% | 4,721 |
| Memoranda: | ||
| Average total assets | $213,760,600 | 2,847 |
| Average earning assets | $190,740,200 | 2,898 |
| Average equity | $21,138,600 | 3,038 |
| Average total loans | $156,518,800 | 2,477 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 2,017 |
| Cost of funding earning assets | 0.6189% | 1,682 |
| Net interest margin | 3.8403% | 2,476 |
| Noninterest income to average assets | 0.5580% | 3,147 |
| Noninterest expense to average assets | 3.2209% | 2,118 |
| Loan and lease loss provision to assets | 0.0310% | 3,788 |
| Net operating income to assets | 0.6303% | 4,304 |
| Return on assets (ROA) | 0.6433% | 4,341 |
| Pretax return on assets | 0.7482% | 4,530 |
| Return on Equity (ROE) | 6.4609% | 3,991 |
| Retained earnings to average equity (ytd only) | 1.4470% | 5,321 |
| Net charge-offs to loans | 0.2979% | 1,329 |
| Credit loss provision to net charge-offs | 14.2857% | 3,642 |
| Earnings coverage of net charge-offs (x) | 3.5248% | 3,642 |
| Efficiency ratio | 80.8278% | 1,787 |
| Assets per employee ($millions) | 3.1457% | 5,523 |
| Cash dividends to net income (ytd only)* | 77.6033% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 4,545 |
| Loan loss allowance to noncurrent loans | 243.4610% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 2.5943% | 996 |
| Noncurrent loans to loans | 0.4696% | 4,498 |
| Net loans and leases to total assets | 73.4176% | 1,611 |
| Net loans and leases to deposits | 83.5505% | 2,217 |
| Net loans and leases to core deposits | 90.2467% | 2,199 |
| Total domestic deposits to total assets | 87.8721% | 1,828 |
| Equity capital to assets | 9.7976% | 4,425 |
| Core capital (leverage) ratio | 10.1582% | 3,463 |
| Tier 1 risk-based capital ratio | 13.4770% | 4,557 |
| Total risk-based capital ratio | 14.6305% | 4,554 |
| Memoranda: | ||
| Average total assets | $210,991,750 | 2,895 |
| Average earning assets | $188,281,750 | 2,956 |
| Average equity | $21,008,000 | 3,061 |
| Average total loans | $153,526,750 | 2,520 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 1,972 |
| Cost of funding earning assets | 0.6355% | 1,618 |
| Net interest margin | 3.8205% | 2,480 |
| Noninterest income to average assets | 0.5293% | 3,272 |
| Noninterest expense to average assets | 3.2646% | 2,008 |
| Loan and lease loss provision to assets | 0.0038% | 4,144 |
| Net operating income to assets | 0.5847% | 4,431 |
| Return on assets (ROA) | 0.6049% | 4,433 |
| Pretax return on assets | 0.6900% | 4,672 |
| Return on Equity (ROE) | 6.0415% | 4,126 |
| Retained earnings to average equity (ytd only) | 1.1662% | 5,287 |
| Net charge-offs to loans | 0.3060% | 1,325 |
| Credit loss provision to net charge-offs | 1.7316% | 3,390 |
| Earnings coverage of net charge-offs (x) | 3.0346% | 3,406 |
| Efficiency ratio | 82.9523% | 1,638 |
| Assets per employee ($millions) | 3.1749% | 5,465 |
| Cash dividends to net income (ytd only)* | 80.6962% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 4,294 |
| Loan loss allowance to noncurrent loans | 322.6351% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 2.5578% | 1,087 |
| Noncurrent loans to loans | 0.3804% | 4,853 |
| Net loans and leases to total assets | 72.2699% | 1,691 |
| Net loans and leases to deposits | 82.1915% | 2,229 |
| Net loans and leases to core deposits | 88.9354% | 2,215 |
| Total domestic deposits to total assets | 87.9286% | 1,943 |
| Equity capital to assets | 9.9399% | 4,191 |
| Core capital (leverage) ratio | 10.1644% | 3,397 |
| Tier 1 risk-based capital ratio | 13.6884% | 4,464 |
| Total risk-based capital ratio | 14.9086% | 4,429 |
| Memoranda: | ||
| Average total assets | $208,971,330 | 2,927 |
| Average earning assets | $186,310,000 | 2,998 |
| Average equity | $20,922,000 | 3,067 |
| Average total loans | $150,969,670 | 2,566 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 1,891 |
| Cost of funding earning assets | 0.6514% | 1,572 |
| Net interest margin | 3.8214% | 2,381 |
| Noninterest income to average assets | 0.4500% | 3,796 |
| Noninterest expense to average assets | 3.2719% | 2,013 |
| Loan and lease loss provision to assets | 0.0039% | 3,772 |
| Net operating income to assets | 0.5199% | 4,588 |
| Return on assets (ROA) | 0.5427% | 4,561 |
| Pretax return on assets | 0.5988% | 4,836 |
| Return on Equity (ROE) | 5.4010% | 4,333 |
| Retained earnings to average equity (ytd only) | 0.5958% | 5,344 |
| Net charge-offs to loans | 0.6001% | 618 |
| Credit loss provision to net charge-offs | 0.8969% | 2,683 |
| Earnings coverage of net charge-offs (x) | 1.3408% | 3,117 |
| Efficiency ratio | 84.9975% | 1,543 |
| Assets per employee ($millions) | 3.2518% | 5,443 |
| Cash dividends to net income (ytd only)* | 88.9680% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 4,263 |
| Loan loss allowance to noncurrent loans | 233.0900% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 2.8259% | 1,049 |
| Noncurrent loans to loans | 0.5460% | 4,530 |
| Net loans and leases to total assets | 70.3150% | 1,832 |
| Net loans and leases to deposits | 80.0541% | 2,286 |
| Net loans and leases to core deposits | 86.7633% | 2,231 |
| Total domestic deposits to total assets | 87.8344% | 2,321 |
| Equity capital to assets | 9.9018% | 3,959 |
| Core capital (leverage) ratio | 10.5074% | 2,923 |
| Tier 1 risk-based capital ratio | 13.9477% | 4,363 |
| Total risk-based capital ratio | 15.1975% | 4,308 |
| Memoranda: | ||
| Average total assets | $207,098,000 | 2,968 |
| Average earning assets | $184,224,000 | 3,045 |
| Average equity | $20,811,000 | 3,080 |
| Average total loans | $148,634,000 | 2,606 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8968% | 1,107 |
| Cost of funding earning assets | 0.7561% | 1,466 |
| Net interest margin | 4.1406% | 1,538 |
| Noninterest income to average assets | 0.6228% | 2,959 |
| Noninterest expense to average assets | 3.4231% | 1,830 |
| Loan and lease loss provision to assets | 0.0257% | 4,613 |
| Net operating income to assets | 0.6873% | 3,860 |
| Return on assets (ROA) | 0.6886% | 3,945 |
| Pretax return on assets | 0.8271% | 4,044 |
| Return on Equity (ROE) | 6.8272% | 3,660 |
| Retained earnings to average equity (ytd only) | 5.7482% | 2,138 |
| Net charge-offs to loans | -0.0020% | 5,849 |
| Credit loss provision to net charge-offs | -1,733.3333% | 6,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0833% | 2,136 |
| Assets per employee ($millions) | 3.0732% | 5,721 |
| Cash dividends to net income (ytd only)* | 15.8046% | 3,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 3,393 |
| Loan loss allowance to noncurrent loans | 223.3020% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 3.2032% | 957 |
| Noncurrent loans to loans | 0.6522% | 4,333 |
| Net loans and leases to total assets | 71.2878% | 1,794 |
| Net loans and leases to deposits | 81.3051% | 2,278 |
| Net loans and leases to core deposits | 88.1740% | 2,230 |
| Total domestic deposits to total assets | 87.6793% | 2,377 |
| Equity capital to assets | 10.2021% | 3,502 |
| Core capital (leverage) ratio | 10.4756% | 2,944 |
| Tier 1 risk-based capital ratio | 14.3600% | 4,040 |
| Total risk-based capital ratio | 15.6123% | 3,987 |
| Memoranda: | ||
| Average total assets | $202,154,800 | 3,013 |
| Average earning assets | $178,281,400 | 3,095 |
| Average equity | $20,389,000 | 3,111 |
| Average total loans | $152,157,800 | 2,531 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9680% | 998 |
| Cost of funding earning assets | 0.7745% | 1,460 |
| Net interest margin | 4.1936% | 1,359 |
| Noninterest income to average assets | 0.6509% | 2,881 |
| Noninterest expense to average assets | 3.4305% | 1,760 |
| Loan and lease loss provision to assets | 0.1109% | 2,913 |
| Net operating income to assets | 0.6677% | 4,028 |
| Return on assets (ROA) | 0.6693% | 4,158 |
| Pretax return on assets | 0.8000% | 4,291 |
| Return on Equity (ROE) | 6.6557% | 3,837 |
| Retained earnings to average equity (ytd only) | 5.8680% | 2,499 |
| Net charge-offs to loans | -0.0391% | 6,231 |
| Credit loss provision to net charge-offs | -373.3333% | 5,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0538% | 2,252 |
| Assets per employee ($millions) | 3.0202% | 5,813 |
| Cash dividends to net income (ytd only)* | 11.8346% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4971% | 3,466 |
| Loan loss allowance to noncurrent loans | 190.2985% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 3.2035% | 1,119 |
| Noncurrent loans to loans | 0.7867% | 4,275 |
| Net loans and leases to total assets | 73.5271% | 1,363 |
| Net loans and leases to deposits | 84.0190% | 1,876 |
| Net loans and leases to core deposits | 91.1909% | 1,853 |
| Total domestic deposits to total assets | 87.5124% | 2,408 |
| Equity capital to assets | 9.9069% | 4,041 |
| Core capital (leverage) ratio | 10.5219% | 2,983 |
| Tier 1 risk-based capital ratio | 13.6045% | 4,685 |
| Total risk-based capital ratio | 14.8577% | 4,643 |
| Memoranda: | ||
| Average total assets | $201,986,000 | 3,034 |
| Average earning assets | $177,664,750 | 3,135 |
| Average equity | $20,313,000 | 3,153 |
| Average total loans | $153,514,750 | 2,522 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0112% | 894 |
| Cost of funding earning assets | 0.7957% | 1,440 |
| Net interest margin | 4.2156% | 1,238 |
| Noninterest income to average assets | 0.6980% | 2,651 |
| Noninterest expense to average assets | 3.3984% | 1,825 |
| Loan and lease loss provision to assets | 0.1255% | 2,754 |
| Net operating income to assets | 0.7175% | 3,729 |
| Return on assets (ROA) | 0.7199% | 3,891 |
| Pretax return on assets | 0.8752% | 4,007 |
| Return on Equity (ROE) | 7.1225% | 3,534 |
| Retained earnings to average equity (ytd only) | 5.9403% | 2,472 |
| Net charge-offs to loans | 0.0638% | 3,788 |
| Credit loss provision to net charge-offs | 257.1429% | 973 |
| Earnings coverage of net charge-offs (x) | 20.4490% | 1,463 |
| Efficiency ratio | 77.3046% | 2,572 |
| Assets per employee ($millions) | 2.9495% | 5,931 |
| Cash dividends to net income (ytd only)* | 16.5975% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 3,939 |
| Loan loss allowance to noncurrent loans | 195.6522% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 3.3844% | 1,149 |
| Noncurrent loans to loans | 0.7265% | 4,474 |
| Net loans and leases to total assets | 74.6919% | 1,147 |
| Net loans and leases to deposits | 85.5322% | 1,620 |
| Net loans and leases to core deposits | 92.7144% | 1,638 |
| Total domestic deposits to total assets | 87.3260% | 2,638 |
| Equity capital to assets | 10.1342% | 3,745 |
| Core capital (leverage) ratio | 10.3272% | 3,071 |
| Tier 1 risk-based capital ratio | 13.3541% | 4,873 |
| Total risk-based capital ratio | 14.6059% | 4,823 |
| Memoranda: | ||
| Average total assets | $200,857,330 | 3,061 |
| Average earning assets | $176,204,670 | 3,168 |
| Average equity | $20,302,000 | 3,178 |
| Average total loans | $153,586,670 | 2,524 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0893% | 754 |
| Cost of funding earning assets | 0.8228% | 1,407 |
| Net interest margin | 4.2665% | 1,034 |
| Noninterest income to average assets | 0.5353% | 3,530 |
| Noninterest expense to average assets | 3.3870% | 1,861 |
| Loan and lease loss provision to assets | 0.1313% | 2,599 |
| Net operating income to assets | 0.6278% | 4,089 |
| Return on assets (ROA) | 0.6328% | 4,221 |
| Pretax return on assets | 0.7483% | 4,379 |
| Return on Equity (ROE) | 6.2691% | 3,904 |
| Retained earnings to average equity (ytd only) | 6.2691% | 2,528 |
| Net charge-offs to loans | 0.0440% | 3,416 |
| Credit loss provision to net charge-offs | 388.2353% | 653 |
| Earnings coverage of net charge-offs (x) | 25.8235% | 1,041 |
| Efficiency ratio | 79.4956% | 2,399 |
| Assets per employee ($millions) | 2.8999% | 6,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 4,261 |
| Loan loss allowance to noncurrent loans | 333.1250% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 3.3230% | 1,316 |
| Noncurrent loans to loans | 0.4188% | 5,373 |
| Net loans and leases to total assets | 75.3067% | 923 |
| Net loans and leases to deposits | 86.1542% | 1,336 |
| Net loans and leases to core deposits | 93.2455% | 1,399 |
| Total domestic deposits to total assets | 87.4092% | 2,686 |
| Equity capital to assets | 10.2184% | 3,884 |
| Core capital (leverage) ratio | 10.3986% | 2,903 |
| Tier 1 risk-based capital ratio | 13.1725% | 5,084 |
| Total risk-based capital ratio | 14.4239% | 5,042 |
| Memoranda: | ||
| Average total assets | $201,002,000 | 3,087 |
| Average earning assets | $175,506,500 | 3,205 |
| Average equity | $20,290,000 | 3,218 |
| Average total loans | $154,396,000 | 2,525 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3383% | 852 |
| Cost of funding earning assets | 0.9997% | 1,363 |
| Net interest margin | 4.3386% | 1,310 |
| Noninterest income to average assets | 0.4237% | 4,427 |
| Noninterest expense to average assets | 3.3920% | 2,067 |
| Loan and lease loss provision to assets | 0.2256% | 2,874 |
| Net operating income to assets | 0.5091% | 4,647 |
| Return on assets (ROA) | 0.5335% | 4,816 |
| Pretax return on assets | 0.6004% | 4,995 |
| Return on Equity (ROE) | 5.3456% | 4,506 |
| Retained earnings to average equity (ytd only) | 1.6502% | 5,036 |
| Net charge-offs to loans | 0.1912% | 3,845 |
| Credit loss provision to net charge-offs | 151.1706% | 1,803 |
| Earnings coverage of net charge-offs (x) | 5.3512% | 3,064 |
| Efficiency ratio | 80.9433% | 2,013 |
| Assets per employee ($millions) | 2.8438% | 6,252 |
| Cash dividends to net income (ytd only)* | 69.1300% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 4,474 |
| Loan loss allowance to noncurrent loans | 372.4508% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 3.8616% | 1,130 |
| Noncurrent loans to loans | 0.3584% | 5,589 |
| Net loans and leases to total assets | 76.2190% | 886 |
| Net loans and leases to deposits | 86.8831% | 1,397 |
| Net loans and leases to core deposits | 94.0397% | 1,462 |
| Total domestic deposits to total assets | 87.7259% | 2,393 |
| Equity capital to assets | 9.9716% | 4,208 |
| Core capital (leverage) ratio | 10.1007% | 3,274 |
| Tier 1 risk-based capital ratio | 12.7250% | 5,312 |
| Total risk-based capital ratio | 13.9758% | 5,247 |
| Memoranda: | ||
| Average total assets | $200,356,400 | 3,039 |
| Average earning assets | $173,952,000 | 3,173 |
| Average equity | $19,997,600 | 3,205 |
| Average total loans | $156,376,000 | 2,479 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3864% | 858 |
| Cost of funding earning assets | 1.0201% | 1,448 |
| Net interest margin | 4.3663% | 1,304 |
| Noninterest income to average assets | 0.4327% | 4,401 |
| Noninterest expense to average assets | 3.3785% | 2,060 |
| Loan and lease loss provision to assets | 0.5274% | 1,132 |
| Net operating income to assets | 0.3394% | 5,476 |
| Return on assets (ROA) | 0.3701% | 5,570 |
| Pretax return on assets | 0.3534% | 5,829 |
| Return on Equity (ROE) | 3.7067% | 5,405 |
| Retained earnings to average equity (ytd only) | 1.7765% | 5,441 |
| Net charge-offs to loans | 0.6195% | 1,781 |
| Credit loss provision to net charge-offs | 108.8033% | 2,696 |
| Earnings coverage of net charge-offs (x) | 1.7538% | 4,393 |
| Efficiency ratio | 79.8959% | 2,110 |
| Assets per employee ($millions) | 2.9407% | 6,149 |
| Cash dividends to net income (ytd only)* | 52.0717% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 4,840 |
| Loan loss allowance to noncurrent loans | 283.4993% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 4.4247% | 1,052 |
| Noncurrent loans to loans | 0.4566% | 5,534 |
| Net loans and leases to total assets | 76.0023% | 978 |
| Net loans and leases to deposits | 87.6957% | 1,391 |
| Net loans and leases to core deposits | 95.0993% | 1,478 |
| Total domestic deposits to total assets | 86.6659% | 2,872 |
| Equity capital to assets | 10.0561% | 4,413 |
| Core capital (leverage) ratio | 10.0914% | 3,417 |
| Tier 1 risk-based capital ratio | 12.6829% | 5,492 |
| Total risk-based capital ratio | 13.9329% | 5,459 |
| Memoranda: | ||
| Average total assets | $199,967,250 | 3,077 |
| Average earning assets | $173,840,500 | 3,211 |
| Average equity | $19,963,500 | 3,244 |
| Average total loans | $156,475,500 | 2,510 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4092% | 855 |
| Cost of funding earning assets | 1.0481% | 1,479 |
| Net interest margin | 4.3611% | 1,305 |
| Noninterest income to average assets | 0.2260% | 5,951 |
| Noninterest expense to average assets | 3.3766% | 2,088 |
| Loan and lease loss provision to assets | 0.7311% | 718 |
| Net operating income to assets | 0.0276% | 6,288 |
| Return on assets (ROA) | 0.0570% | 6,384 |
| Pretax return on assets | -0.0400% | 6,477 |
| Return on Equity (ROE) | 0.5724% | 6,375 |
| Retained earnings to average equity (ytd only) | -0.9340% | 6,200 |
| Net charge-offs to loans | 0.9192% | 1,201 |
| Credit loss provision to net charge-offs | 101.1065% | 2,690 |
| Earnings coverage of net charge-offs (x) | 0.8921% | 4,598 |
| Efficiency ratio | 83.9592% | 1,637 |
| Assets per employee ($millions) | 2.9417% | 6,165 |
| Cash dividends to net income (ytd only)* | 263.1579% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 5,204 |
| Loan loss allowance to noncurrent loans | 201.5609% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 4.7367% | 1,019 |
| Noncurrent loans to loans | 0.6107% | 5,293 |
| Net loans and leases to total assets | 77.7017% | 760 |
| Net loans and leases to deposits | 89.4154% | 1,205 |
| Net loans and leases to core deposits | 96.8121% | 1,371 |
| Total domestic deposits to total assets | 86.8997% | 2,830 |
| Equity capital to assets | 9.8689% | 4,518 |
| Core capital (leverage) ratio | 9.8172% | 3,690 |
| Tier 1 risk-based capital ratio | 12.2817% | 5,739 |
| Total risk-based capital ratio | 13.4886% | 5,749 |
| Memoranda: | ||
| Average total assets | $199,966,670 | 3,086 |
| Average earning assets | $174,036,670 | 3,217 |
| Average equity | $19,915,000 | 3,233 |
| Average total loans | $157,309,330 | 2,502 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4873% | 776 |
| Cost of funding earning assets | 1.0561% | 1,641 |
| Net interest margin | 4.4312% | 1,160 |
| Noninterest income to average assets | 0.3661% | 4,943 |
| Noninterest expense to average assets | 3.2571% | 2,422 |
| Loan and lease loss provision to assets | 0.3101% | 2,028 |
| Net operating income to assets | 0.5722% | 4,481 |
| Return on assets (ROA) | 0.5722% | 4,705 |
| Pretax return on assets | 0.6602% | 4,909 |
| Return on Equity (ROE) | 5.7194% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.7194% | 3,135 |
| Net charge-offs to loans | 0.2976% | 2,470 |
| Credit loss provision to net charge-offs | 132.4786% | 1,842 |
| Earnings coverage of net charge-offs (x) | 4.1453% | 2,652 |
| Efficiency ratio | 77.0469% | 2,642 |
| Assets per employee ($millions) | 3.0238% | 6,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 5,224 |
| Loan loss allowance to noncurrent loans | 81.4493% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 4.9271% | 1,067 |
| Noncurrent loans to loans | 1.5398% | 3,804 |
| Net loans and leases to total assets | 76.4424% | 755 |
| Net loans and leases to deposits | 87.9671% | 1,171 |
| Net loans and leases to core deposits | 92.5297% | 1,590 |
| Total domestic deposits to total assets | 86.8989% | 3,018 |
| Equity capital to assets | 9.9426% | 4,199 |
| Core capital (leverage) ratio | 10.1023% | 3,237 |
| Tier 1 risk-based capital ratio | 12.2570% | 5,788 |
| Total risk-based capital ratio | 13.4571% | 5,793 |
| Memoranda: | ||
| Average total assets | $199,933,500 | 3,103 |
| Average earning assets | $174,220,000 | 3,235 |
| Average equity | $20,002,000 | 3,226 |
| Average total loans | $157,281,000 | 2,521 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6474% | 875 |
| Cost of funding earning assets | 1.1728% | 2,204 |
| Net interest margin | 4.4746% | 1,197 |
| Noninterest income to average assets | 0.5874% | 3,238 |
| Noninterest expense to average assets | 3.3433% | 2,377 |
| Loan and lease loss provision to assets | 0.6336% | 1,613 |
| Net operating income to assets | 0.5280% | 4,312 |
| Return on assets (ROA) | 0.5518% | 4,409 |
| Pretax return on assets | 0.6095% | 4,668 |
| Return on Equity (ROE) | 5.6621% | 4,048 |
| Retained earnings to average equity (ytd only) | 4.4772% | 2,982 |
| Net charge-offs to loans | 0.9180% | 1,889 |
| Credit loss provision to net charge-offs | 84.8118% | 4,248 |
| Earnings coverage of net charge-offs (x) | 1.6290% | 4,548 |
| Efficiency ratio | 73.3128% | 3,337 |
| Assets per employee ($millions) | 2.9011% | 6,287 |
| Cash dividends to net income (ytd only)* | 20.9281% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 5,283 |
| Loan loss allowance to noncurrent loans | 44.1823% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 5.3134% | 974 |
| Noncurrent loans to loans | 2.7681% | 2,366 |
| Net loans and leases to total assets | 78.9759% | 615 |
| Net loans and leases to deposits | 91.7020% | 993 |
| Net loans and leases to core deposits | 99.5196% | 1,216 |
| Total domestic deposits to total assets | 86.1223% | 3,247 |
| Equity capital to assets | 10.0677% | 4,078 |
| Core capital (leverage) ratio | 9.8656% | 3,500 |
| Tier 1 risk-based capital ratio | 12.4972% | 5,452 |
| Total risk-based capital ratio | 13.7144% | 5,461 |
| Memoranda: | ||
| Average total assets | $199,174,800 | 3,067 |
| Average earning assets | $176,842,600 | 3,131 |
| Average equity | $19,409,600 | 3,228 |
| Average total loans | $162,098,800 | 2,474 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6841% | 873 |
| Cost of funding earning assets | 1.1831% | 2,427 |
| Net interest margin | 4.5010% | 1,151 |
| Noninterest income to average assets | 0.5509% | 3,507 |
| Noninterest expense to average assets | 3.3231% | 2,427 |
| Loan and lease loss provision to assets | 0.5937% | 1,660 |
| Net operating income to assets | 0.5741% | 4,200 |
| Return on assets (ROA) | 0.6050% | 4,243 |
| Pretax return on assets | 0.6805% | 4,552 |
| Return on Equity (ROE) | 6.2600% | 3,898 |
| Retained earnings to average equity (ytd only) | 4.6708% | 3,404 |
| Net charge-offs to loans | 0.9494% | 1,702 |
| Credit loss provision to net charge-offs | 76.5060% | 4,258 |
| Earnings coverage of net charge-offs (x) | 1.5972% | 4,445 |
| Efficiency ratio | 72.8337% | 3,391 |
| Assets per employee ($millions) | 2.9969% | 6,121 |
| Cash dividends to net income (ytd only)* | 25.3864% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 5,632 |
| Loan loss allowance to noncurrent loans | 57.6770% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 4.2700% | 1,430 |
| Noncurrent loans to loans | 2.0133% | 3,348 |
| Net loans and leases to total assets | 79.7803% | 536 |
| Net loans and leases to deposits | 91.5509% | 1,049 |
| Net loans and leases to core deposits | 99.9819% | 1,246 |
| Total domestic deposits to total assets | 87.1430% | 2,556 |
| Equity capital to assets | 9.8076% | 4,612 |
| Core capital (leverage) ratio | 9.9648% | 3,483 |
| Tier 1 risk-based capital ratio | 12.1066% | 5,813 |
| Total risk-based capital ratio | 13.2684% | 5,873 |
| Memoranda: | ||
| Average total assets | $199,650,000 | 3,079 |
| Average earning assets | $177,941,500 | 3,140 |
| Average equity | $19,296,750 | 3,243 |
| Average total loans | $163,191,500 | 2,465 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6670% | 931 |
| Cost of funding earning assets | 1.2044% | 2,550 |
| Net interest margin | 4.4626% | 1,218 |
| Noninterest income to average assets | 0.5510% | 3,469 |
| Noninterest expense to average assets | 3.3924% | 2,282 |
| Loan and lease loss provision to assets | 0.6514% | 1,476 |
| Net operating income to assets | 0.4846% | 4,566 |
| Return on assets (ROA) | 0.5259% | 4,535 |
| Pretax return on assets | 0.5360% | 4,949 |
| Return on Equity (ROE) | 5.4684% | 4,230 |
| Retained earnings to average equity (ytd only) | 3.0681% | 4,323 |
| Net charge-offs to loans | 1.2289% | 1,279 |
| Credit loss provision to net charge-offs | 64.5771% | 4,220 |
| Earnings coverage of net charge-offs (x) | 1.1353% | 4,424 |
| Efficiency ratio | 74.7622% | 3,227 |
| Assets per employee ($millions) | 3.0315% | 6,013 |
| Cash dividends to net income (ytd only)* | 43.8931% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 5,844 |
| Loan loss allowance to noncurrent loans | 71.6162% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 4.1264% | 1,546 |
| Noncurrent loans to loans | 1.5718% | 4,046 |
| Net loans and leases to total assets | 80.1919% | 510 |
| Net loans and leases to deposits | 92.4491% | 1,005 |
| Net loans and leases to core deposits | 100.6907% | 1,281 |
| Total domestic deposits to total assets | 86.7417% | 2,891 |
| Equity capital to assets | 9.7972% | 4,392 |
| Core capital (leverage) ratio | 9.6452% | 3,742 |
| Tier 1 risk-based capital ratio | 11.6948% | 6,016 |
| Total risk-based capital ratio | 12.7890% | 6,132 |
| Memoranda: | ||
| Average total assets | $199,268,670 | 3,108 |
| Average earning assets | $178,014,330 | 3,159 |
| Average equity | $19,164,670 | 3,252 |
| Average total loans | $163,563,330 | 2,485 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6068% | 1,039 |
| Cost of funding earning assets | 1.2302% | 2,631 |
| Net interest margin | 4.3766% | 1,348 |
| Noninterest income to average assets | 0.5929% | 3,227 |
| Noninterest expense to average assets | 3.2798% | 2,621 |
| Loan and lease loss provision to assets | 0.7266% | 1,163 |
| Net operating income to assets | 0.3947% | 4,974 |
| Return on assets (ROA) | 0.3992% | 5,041 |
| Pretax return on assets | 0.5270% | 4,935 |
| Return on Equity (ROE) | 4.1897% | 4,803 |
| Retained earnings to average equity (ytd only) | 3.5612% | 4,051 |
| Net charge-offs to loans | 2.3719% | 500 |
| Credit loss provision to net charge-offs | 37.1050% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.6371% | 4,148 |
| Efficiency ratio | 72.4427% | 3,781 |
| Assets per employee ($millions) | 3.0986% | 5,953 |
| Cash dividends to net income (ytd only)* | 15.0000% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 6,608 |
| Loan loss allowance to noncurrent loans | 27.9382% | 6,413 |
| Noncurrent assets plus other real estate owned to assets | 4.3405% | 1,507 |
| Noncurrent loans to loans | 3.3438% | 2,242 |
| Net loans and leases to total assets | 80.9783% | 440 |
| Net loans and leases to deposits | 94.4964% | 780 |
| Net loans and leases to core deposits | 107.5377% | 864 |
| Total domestic deposits to total assets | 85.6946% | 3,695 |
| Equity capital to assets | 9.5220% | 4,397 |
| Core capital (leverage) ratio | 9.6344% | 3,618 |
| Tier 1 risk-based capital ratio | 11.5765% | 6,043 |
| Total risk-based capital ratio | 12.5084% | 6,275 |
| Memoranda: | ||
| Average total assets | $200,380,000 | 3,109 |
| Average earning assets | $180,139,500 | 3,144 |
| Average equity | $19,094,500 | 3,244 |
| Average total loans | $165,438,000 | 2,496 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7493% | 1,407 |
| Cost of funding earning assets | 1.6050% | 2,045 |
| Net interest margin | 4.1443% | 2,392 |
| Noninterest income to average assets | 0.6775% | 2,979 |
| Noninterest expense to average assets | 3.1626% | 3,224 |
| Loan and lease loss provision to assets | 0.7132% | 2,299 |
| Net operating income to assets | 0.3940% | 4,568 |
| Return on assets (ROA) | 0.4706% | 4,394 |
| Pretax return on assets | 0.6389% | 4,205 |
| Return on Equity (ROE) | 5.0206% | 4,062 |
| Retained earnings to average equity (ytd only) | 4.3776% | 2,782 |
| Net charge-offs to loans | 0.5286% | 3,511 |
| Credit loss provision to net charge-offs | 166.6667% | 2,042 |
| Earnings coverage of net charge-offs (x) | 2.9178% | 3,616 |
| Efficiency ratio | 71.6953% | 3,857 |
| Assets per employee ($millions) | 3.0670% | 5,954 |
| Cash dividends to net income (ytd only)* | 12.8068% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 5,025 |
| Loan loss allowance to noncurrent loans | 30.1948% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 4.8773% | 1,329 |
| Noncurrent loans to loans | 4.2931% | 1,679 |
| Net loans and leases to total assets | 82.3098% | 425 |
| Net loans and leases to deposits | 96.9168% | 789 |
| Net loans and leases to core deposits | 114.5819% | 694 |
| Total domestic deposits to total assets | 84.9282% | 3,894 |
| Equity capital to assets | 9.5364% | 4,355 |
| Core capital (leverage) ratio | 9.4521% | 3,762 |
| Tier 1 risk-based capital ratio | 11.5276% | 5,882 |
| Total risk-based capital ratio | 12.7781% | 5,891 |
| Memoranda: | ||
| Average total assets | $199,107,000 | 3,112 |
| Average earning assets | $179,378,600 | 3,131 |
| Average equity | $18,663,000 | 3,322 |
| Average total loans | $161,181,600 | 2,601 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7619% | 1,506 |
| Cost of funding earning assets | 1.6468% | 2,126 |
| Net interest margin | 4.1151% | 2,551 |
| Noninterest income to average assets | 0.6417% | 3,174 |
| Noninterest expense to average assets | 3.1496% | 3,111 |
| Loan and lease loss provision to assets | 0.6625% | 2,310 |
| Net operating income to assets | 0.3947% | 4,773 |
| Return on assets (ROA) | 0.4964% | 4,528 |
| Pretax return on assets | 0.6745% | 4,326 |
| Return on Equity (ROE) | 5.3186% | 4,130 |
| Retained earnings to average equity (ytd only) | 4.4573% | 3,369 |
| Net charge-offs to loans | 0.4536% | 3,485 |
| Credit loss provision to net charge-offs | 181.8015% | 2,007 |
| Earnings coverage of net charge-offs (x) | 3.2923% | 3,503 |
| Efficiency ratio | 72.4164% | 3,625 |
| Assets per employee ($millions) | 3.0941% | 5,932 |
| Cash dividends to net income (ytd only)* | 16.1947% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 5,242 |
| Loan loss allowance to noncurrent loans | 30.7460% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 4.6605% | 1,426 |
| Noncurrent loans to loans | 4.0634% | 1,837 |
| Net loans and leases to total assets | 79.8614% | 775 |
| Net loans and leases to deposits | 95.1460% | 1,087 |
| Net loans and leases to core deposits | 113.8565% | 843 |
| Total domestic deposits to total assets | 83.9356% | 4,163 |
| Equity capital to assets | 9.3991% | 4,986 |
| Core capital (leverage) ratio | 9.3768% | 4,093 |
| Tier 1 risk-based capital ratio | 11.5975% | 5,832 |
| Total risk-based capital ratio | 12.8476% | 5,822 |
| Memoranda: | ||
| Average total assets | $199,045,500 | 3,152 |
| Average earning assets | $179,334,250 | 3,166 |
| Average equity | $18,576,000 | 3,377 |
| Average total loans | $159,916,500 | 2,660 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7634% | 1,521 |
| Cost of funding earning assets | 1.6872% | 2,182 |
| Net interest margin | 4.0762% | 2,673 |
| Noninterest income to average assets | 0.6251% | 3,164 |
| Noninterest expense to average assets | 3.1539% | 3,072 |
| Loan and lease loss provision to assets | 0.7320% | 1,983 |
| Net operating income to assets | 0.2850% | 5,241 |
| Return on assets (ROA) | 0.4043% | 4,898 |
| Pretax return on assets | 0.5979% | 4,571 |
| Return on Equity (ROE) | 4.3429% | 4,624 |
| Retained earnings to average equity (ytd only) | 3.0433% | 4,173 |
| Net charge-offs to loans | 0.1924% | 4,458 |
| Credit loss provision to net charge-offs | 474.5098% | 781 |
| Earnings coverage of net charge-offs (x) | 7.4837% | 2,290 |
| Efficiency ratio | 73.2038% | 3,622 |
| Assets per employee ($millions) | 3.0630% | 6,007 |
| Cash dividends to net income (ytd only)* | 29.9252% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 4,786 |
| Loan loss allowance to noncurrent loans | 30.5042% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 4.5968% | 1,426 |
| Noncurrent loans to loans | 4.3446% | 1,706 |
| Net loans and leases to total assets | 80.7783% | 695 |
| Net loans and leases to deposits | 98.4892% | 830 |
| Net loans and leases to core deposits | 118.9078% | 733 |
| Total domestic deposits to total assets | 82.0174% | 4,980 |
| Equity capital to assets | 9.3293% | 4,962 |
| Core capital (leverage) ratio | 9.3131% | 4,088 |
| Tier 1 risk-based capital ratio | 11.0584% | 6,175 |
| Total risk-based capital ratio | 12.3090% | 6,163 |
| Memoranda: | ||
| Average total assets | $198,355,330 | 3,188 |
| Average earning assets | $179,234,000 | 3,202 |
| Average equity | $18,467,000 | 3,377 |
| Average total loans | $159,006,670 | 2,711 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9014% | 1,200 |
| Cost of funding earning assets | 1.7427% | 2,168 |
| Net interest margin | 4.1587% | 2,198 |
| Noninterest income to average assets | 0.6364% | 3,029 |
| Noninterest expense to average assets | 3.1416% | 3,102 |
| Loan and lease loss provision to assets | 0.6869% | 1,853 |
| Net operating income to assets | 0.4267% | 4,728 |
| Return on assets (ROA) | 0.5111% | 4,480 |
| Pretax return on assets | 0.6748% | 4,321 |
| Return on Equity (ROE) | 5.4960% | 4,106 |
| Retained earnings to average equity (ytd only) | 5.4960% | 2,870 |
| Net charge-offs to loans | 0.2879% | 3,260 |
| Credit loss provision to net charge-offs | 300.8850% | 1,308 |
| Earnings coverage of net charge-offs (x) | 5.4779% | 2,392 |
| Efficiency ratio | 71.5271% | 4,020 |
| Assets per employee ($millions) | 3.0689% | 6,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 5,655 |
| Loan loss allowance to noncurrent loans | 27.1435% | 6,585 |
| Noncurrent assets plus other real estate owned to assets | 4.3679% | 1,557 |
| Noncurrent loans to loans | 4.3117% | 1,761 |
| Net loans and leases to total assets | 76.7912% | 1,371 |
| Net loans and leases to deposits | 91.4880% | 1,685 |
| Net loans and leases to core deposits | 112.4576% | 1,134 |
| Total domestic deposits to total assets | 83.9357% | 4,170 |
| Equity capital to assets | 9.2937% | 4,842 |
| Core capital (leverage) ratio | 9.2442% | 4,149 |
| Tier 1 risk-based capital ratio | 11.4240% | 5,740 |
| Total risk-based capital ratio | 12.5519% | 5,820 |
| Memoranda: | ||
| Average total assets | $197,986,500 | 3,243 |
| Average earning assets | $178,806,500 | 3,268 |
| Average equity | $18,413,500 | 3,416 |
| Average total loans | $157,018,000 | 2,794 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9312% | 2,125 |
| Cost of funding earning assets | 2.1352% | 2,307 |
| Net interest margin | 3.7960% | 3,726 |
| Noninterest income to average assets | 0.6235% | 3,466 |
| Noninterest expense to average assets | 3.0258% | 4,048 |
| Loan and lease loss provision to assets | 0.4919% | 3,916 |
| Net operating income to assets | 0.3972% | 4,143 |
| Return on assets (ROA) | 0.4597% | 4,015 |
| Pretax return on assets | 0.6613% | 3,701 |
| Return on Equity (ROE) | 5.0432% | 3,651 |
| Retained earnings to average equity (ytd only) | 5.0432% | 1,799 |
| Net charge-offs to loans | 0.4974% | 3,779 |
| Credit loss provision to net charge-offs | 121.8710% | 4,351 |
| Earnings coverage of net charge-offs (x) | 2.6359% | 3,799 |
| Efficiency ratio | 73.9863% | 3,898 |
| Assets per employee ($millions) | 3.0702% | 6,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 6,403 |
| Loan loss allowance to noncurrent loans | 24.7158% | 6,817 |
| Noncurrent assets plus other real estate owned to assets | 4.1686% | 1,567 |
| Noncurrent loans to loans | 4.0374% | 1,841 |
| Net loans and leases to total assets | 80.1311% | 970 |
| Net loans and leases to deposits | 95.8099% | 1,353 |
| Net loans and leases to core deposits | 144.7901% | 649 |
| Total domestic deposits to total assets | 83.6355% | 4,210 |
| Equity capital to assets | 9.3072% | 4,691 |
| Core capital (leverage) ratio | 9.1411% | 4,213 |
| Tier 1 risk-based capital ratio | 11.3038% | 5,611 |
| Total risk-based capital ratio | 12.2939% | 5,846 |
| Memoranda: | ||
| Average total assets | $195,979,000 | 3,227 |
| Average earning assets | $178,953,400 | 3,227 |
| Average equity | $17,865,800 | 3,521 |
| Average total loans | $159,016,000 | 2,775 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0253% | 1,936 |
| Cost of funding earning assets | 2.2213% | 2,308 |
| Net interest margin | 3.8040% | 3,639 |
| Noninterest income to average assets | 0.6154% | 3,584 |
| Noninterest expense to average assets | 3.0131% | 3,992 |
| Loan and lease loss provision to assets | 0.4697% | 3,556 |
| Net operating income to assets | 0.4205% | 4,318 |
| Return on assets (ROA) | 0.4820% | 4,161 |
| Pretax return on assets | 0.7005% | 3,857 |
| Return on Equity (ROE) | 5.3151% | 3,831 |
| Retained earnings to average equity (ytd only) | 5.3151% | 2,306 |
| Net charge-offs to loans | 0.5886% | 2,911 |
| Credit loss provision to net charge-offs | 98.2906% | 5,208 |
| Earnings coverage of net charge-offs (x) | 2.2621% | 4,125 |
| Efficiency ratio | 73.5949% | 3,939 |
| Assets per employee ($millions) | 3.1956% | 5,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 6,814 |
| Loan loss allowance to noncurrent loans | 67.6968% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.2078% | 4,656 |
| Noncurrent loans to loans | 1.3098% | 4,750 |
| Net loans and leases to total assets | 79.0985% | 1,368 |
| Net loans and leases to deposits | 93.5104% | 1,964 |
| Net loans and leases to core deposits | 140.1673% | 909 |
| Total domestic deposits to total assets | 84.5880% | 3,434 |
| Equity capital to assets | 9.1659% | 5,226 |
| Core capital (leverage) ratio | 8.9852% | 4,669 |
| Tier 1 risk-based capital ratio | 11.3349% | 5,607 |
| Total risk-based capital ratio | 12.2214% | 5,946 |
| Memoranda: | ||
| Average total assets | $195,850,500 | 3,248 |
| Average earning assets | $179,107,000 | 3,247 |
| Average equity | $17,760,250 | 3,567 |
| Average total loans | $159,010,250 | 2,810 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0215% | 2,095 |
| Cost of funding earning assets | 2.2966% | 2,367 |
| Net interest margin | 3.7249% | 3,854 |
| Noninterest income to average assets | 0.7043% | 2,965 |
| Noninterest expense to average assets | 3.0632% | 3,831 |
| Loan and lease loss provision to assets | 0.3527% | 3,811 |
| Net operating income to assets | 0.4693% | 4,219 |
| Return on assets (ROA) | 0.5228% | 4,123 |
| Pretax return on assets | 0.7771% | 3,755 |
| Return on Equity (ROE) | 5.7866% | 3,755 |
| Retained earnings to average equity (ytd only) | 5.7866% | 2,124 |
| Net charge-offs to loans | 0.0829% | 5,377 |
| Credit loss provision to net charge-offs | 521.2121% | 885 |
| Earnings coverage of net charge-offs (x) | 15.5152% | 1,590 |
| Efficiency ratio | 74.4766% | 3,958 |
| Assets per employee ($millions) | 3.1737% | 5,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 5,958 |
| Loan loss allowance to noncurrent loans | 55.9894% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 1.7285% | 3,594 |
| Noncurrent loans to loans | 1.8607% | 3,716 |
| Net loans and leases to total assets | 80.3849% | 1,242 |
| Net loans and leases to deposits | 94.7336% | 1,987 |
| Net loans and leases to core deposits | 143.8529% | 842 |
| Total domestic deposits to total assets | 84.8537% | 3,335 |
| Equity capital to assets | 8.9390% | 5,400 |
| Core capital (leverage) ratio | 8.8415% | 4,876 |
| Tier 1 risk-based capital ratio | 10.6817% | 6,201 |
| Total risk-based capital ratio | 11.7012% | 6,374 |
| Memoranda: | ||
| Average total assets | $195,092,330 | 3,279 |
| Average earning assets | $178,528,000 | 3,278 |
| Average equity | $17,627,000 | 3,595 |
| Average total loans | $159,308,330 | 2,831 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0807% | 2,017 |
| Cost of funding earning assets | 2.3725% | 2,405 |
| Net interest margin | 3.7082% | 3,860 |
| Noninterest income to average assets | 0.6000% | 3,549 |
| Noninterest expense to average assets | 3.0436% | 3,579 |
| Loan and lease loss provision to assets | 0.3260% | 3,370 |
| Net operating income to assets | 0.4066% | 4,831 |
| Return on assets (ROA) | 0.4318% | 4,911 |
| Pretax return on assets | 0.6706% | 4,520 |
| Return on Equity (ROE) | 4.7532% | 4,577 |
| Retained earnings to average equity (ytd only) | 4.7532% | 3,262 |
| Net charge-offs to loans | 0.0431% | 4,873 |
| Credit loss provision to net charge-offs | 923.5294% | 669 |
| Earnings coverage of net charge-offs (x) | 27.1176% | 1,147 |
| Efficiency ratio | 76.0768% | 3,481 |
| Assets per employee ($millions) | 3.1220% | 5,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 6,313 |
| Loan loss allowance to noncurrent loans | 46.0036% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 1.9269% | 3,015 |
| Noncurrent loans to loans | 2.1285% | 3,079 |
| Net loans and leases to total assets | 79.8985% | 1,406 |
| Net loans and leases to deposits | 94.5405% | 2,186 |
| Net loans and leases to core deposits | 146.2024% | 849 |
| Total domestic deposits to total assets | 84.5124% | 3,456 |
| Equity capital to assets | 8.9787% | 5,385 |
| Core capital (leverage) ratio | 8.9092% | 4,850 |
| Tier 1 risk-based capital ratio | 10.7540% | 6,139 |
| Total risk-based capital ratio | 11.7130% | 6,346 |
| Memoranda: | ||
| Average total assets | $192,667,000 | 3,325 |
| Average earning assets | $176,690,500 | 3,325 |
| Average equity | $17,504,000 | 3,634 |
| Average total loans | $157,754,500 | 2,885 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7482% | 1,870 |
| Cost of funding earning assets | 3.0611% | 1,635 |
| Net interest margin | 3.6871% | 4,522 |
| Noninterest income to average assets | 0.7497% | 2,784 |
| Noninterest expense to average assets | 2.8564% | 4,578 |
| Loan and lease loss provision to assets | 0.2169% | 4,715 |
| Net operating income to assets | 0.7504% | 3,667 |
| Return on assets (ROA) | 0.7508% | 3,500 |
| Pretax return on assets | 1.0511% | 3,207 |
| Return on Equity (ROE) | 8.1221% | 3,021 |
| Retained earnings to average equity (ytd only) | 8.1221% | 809 |
| Net charge-offs to loans | 0.2471% | 3,802 |
| Credit loss provision to net charge-offs | 107.1429% | 5,010 |
| Earnings coverage of net charge-offs (x) | 6.2610% | 3,407 |
| Efficiency ratio | 69.2650% | 4,486 |
| Assets per employee ($millions) | 2.9476% | 6,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 6,672 |
| Loan loss allowance to noncurrent loans | 60.3242% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 1.4365% | 3,335 |
| Noncurrent loans to loans | 1.4949% | 3,557 |
| Net loans and leases to total assets | 82.3713% | 1,158 |
| Net loans and leases to deposits | 99.3549% | 1,929 |
| Net loans and leases to core deposits | 152.7995% | 756 |
| Total domestic deposits to total assets | 82.9062% | 3,809 |
| Equity capital to assets | 9.1960% | 5,088 |
| Core capital (leverage) ratio | 9.3310% | 4,255 |
| Tier 1 risk-based capital ratio | 10.7366% | 5,965 |
| Total risk-based capital ratio | 11.6184% | 6,220 |
| Memoranda: | ||
| Average total assets | $179,804,800 | 3,408 |
| Average earning assets | $164,547,000 | 3,410 |
| Average equity | $16,621,400 | 3,800 |
| Average total loans | $147,319,400 | 2,972 |