Home > First Landmark Bank > Performance and Condition Ratios
First Landmark Bank, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 706 |
| Cost of funding earning assets | 0.7293% | 1,473 |
| Net interest margin | 4.3362% | 965 |
| Noninterest income to average assets | 0.5974% | 2,330 |
| Noninterest expense to average assets | 3.0657% | 1,871 |
| Loan and lease loss provision to assets | 0.7207% | 137 |
| Net operating income to assets | 0.7050% | 4,184 |
| Return on assets (ROA) | 0.7050% | 4,183 |
| Pretax return on assets | 0.9014% | 3,961 |
| Return on Equity (ROE) | 5.8622% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.1976% | 2,975 |
| Net charge-offs to loans | 0.8611% | 153 |
| Credit loss provision to net charge-offs | 104.5590% | 1,954 |
| Earnings coverage of net charge-offs (x) | 2.3533% | 2,981 |
| Efficiency ratio | 64.6604% | 3,221 |
| Assets per employee ($millions) | 6.7717% | 1,030 |
| Cash dividends to net income (ytd only)* | 11.3372% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 3,264 |
| Loan loss allowance to noncurrent loans | 2,526.4706% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 4,854 |
| Noncurrent loans to loans | 0.0435% | 4,724 |
| Net loans and leases to total assets | 78.6605% | 1,217 |
| Net loans and leases to deposits | 98.6057% | 920 |
| Net loans and leases to core deposits | 112.3363% | 869 |
| Total domestic deposits to total assets | 79.7728% | 4,289 |
| Equity capital to assets | 12.0918% | 1,790 |
| Core capital (leverage) ratio | 11.1709% | 2,367 |
| Tier 1 risk-based capital ratio | 11.7115% | 4,680 |
| Total risk-based capital ratio | 12.6876% | 4,720 |
| Memoranda: | ||
| Average total assets | $585,519,000 | 1,235 |
| Average earning assets | $552,324,000 | 1,216 |
| Average equity | $70,417,000 | 1,153 |
| Average total loans | $468,690,000 | 1,114 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9739% | 735 |
| Cost of funding earning assets | 0.6935% | 1,477 |
| Net interest margin | 4.2804% | 980 |
| Noninterest income to average assets | 0.5647% | 2,450 |
| Noninterest expense to average assets | 2.8857% | 2,424 |
| Loan and lease loss provision to assets | 1.3774% | 60 |
| Net operating income to assets | 0.2721% | 5,132 |
| Return on assets (ROA) | 0.2721% | 5,133 |
| Pretax return on assets | 0.3282% | 5,132 |
| Return on Equity (ROE) | 2.2684% | 5,141 |
| Retained earnings to average equity (ytd only) | 2.2684% | 4,259 |
| Net charge-offs to loans | 1.7656% | 74 |
| Credit loss provision to net charge-offs | 97.1484% | 1,618 |
| Earnings coverage of net charge-offs (x) | 1.2030% | 2,581 |
| Efficiency ratio | 62.1045% | 3,762 |
| Assets per employee ($millions) | 5.7198% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,570 |
| Loan loss allowance to noncurrent loans | 2,194.2982% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 4,913 |
| Noncurrent loans to loans | 0.0486% | 4,759 |
| Net loans and leases to total assets | 81.2099% | 759 |
| Net loans and leases to deposits | 101.7645% | 598 |
| Net loans and leases to core deposits | 118.6586% | 627 |
| Total domestic deposits to total assets | 79.8018% | 4,447 |
| Equity capital to assets | 12.2127% | 1,654 |
| Core capital (leverage) ratio | 10.9995% | 2,440 |
| Tier 1 risk-based capital ratio | 11.4632% | 4,877 |
| Total risk-based capital ratio | 12.4130% | 4,947 |
| Memoranda: | ||
| Average total assets | $583,708,000 | 1,246 |
| Average earning assets | $549,106,000 | 1,229 |
| Average equity | $70,006,500 | 1,172 |
| Average total loans | $468,747,500 | 1,124 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 1,046 |
| Cost of funding earning assets | 0.6337% | 1,396 |
| Net interest margin | 4.1305% | 1,347 |
| Noninterest income to average assets | 1.5366% | 445 |
| Noninterest expense to average assets | 2.7940% | 2,797 |
| Loan and lease loss provision to assets | 0.4459% | 309 |
| Net operating income to assets | 1.3452% | 1,125 |
| Return on assets (ROA) | 1.3541% | 1,129 |
| Pretax return on assets | 2.1713% | 332 |
| Return on Equity (ROE) | 11.8570% | 1,251 |
| Retained earnings to average equity (ytd only) | 11.2573% | 223 |
| Net charge-offs to loans | 0.5615% | 412 |
| Credit loss provision to net charge-offs | 103.7775% | 2,466 |
| Earnings coverage of net charge-offs (x) | 6.0589% | 3,232 |
| Efficiency ratio | 51.1021% | 5,159 |
| Assets per employee ($millions) | 5.8954% | 1,590 |
| Cash dividends to net income (ytd only)* | 5.0580% | 4,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0816% | 3,440 |
| Loan loss allowance to noncurrent loans | 152.8843% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.5561% | 2,691 |
| Noncurrent loans to loans | 0.7075% | 2,438 |
| Net loans and leases to total assets | 77.7457% | 1,312 |
| Net loans and leases to deposits | 96.7722% | 1,017 |
| Net loans and leases to core deposits | 111.7436% | 912 |
| Total domestic deposits to total assets | 80.3389% | 4,274 |
| Equity capital to assets | 11.7827% | 1,986 |
| Core capital (leverage) ratio | 10.6867% | 2,661 |
| Tier 1 risk-based capital ratio | 11.0913% | 5,092 |
| Total risk-based capital ratio | 12.0248% | 5,158 |
| Memoranda: | ||
| Average total assets | $560,669,600 | 1,263 |
| Average earning assets | $524,051,000 | 1,249 |
| Average equity | $64,029,800 | 1,235 |
| Average total loans | $429,046,400 | 1,168 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6954% | 1,147 |
| Cost of funding earning assets | 0.6173% | 1,418 |
| Net interest margin | 4.0782% | 1,453 |
| Noninterest income to average assets | 0.7763% | 1,676 |
| Noninterest expense to average assets | 2.7872% | 2,775 |
| Loan and lease loss provision to assets | 0.2717% | 604 |
| Net operating income to assets | 0.9996% | 2,559 |
| Return on assets (ROA) | 1.0119% | 2,548 |
| Pretax return on assets | 1.5471% | 1,591 |
| Return on Equity (ROE) | 8.9367% | 2,640 |
| Retained earnings to average equity (ytd only) | 8.1175% | 1,177 |
| Net charge-offs to loans | -0.0286% | 4,983 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9652% | 4,223 |
| Assets per employee ($millions) | 5.6712% | 1,754 |
| Cash dividends to net income (ytd only)* | 9.1669% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 2,115 |
| Loan loss allowance to noncurrent loans | 94.4572% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.1321% | 1,456 |
| Noncurrent loans to loans | 1.4298% | 1,307 |
| Net loans and leases to total assets | 78.1101% | 1,251 |
| Net loans and leases to deposits | 97.5578% | 962 |
| Net loans and leases to core deposits | 113.1795% | 881 |
| Total domestic deposits to total assets | 80.0654% | 4,297 |
| Equity capital to assets | 11.6364% | 2,243 |
| Core capital (leverage) ratio | 10.5870% | 2,891 |
| Tier 1 risk-based capital ratio | 10.5396% | 5,435 |
| Total risk-based capital ratio | 11.6931% | 5,409 |
| Memoranda: | ||
| Average total assets | $551,977,250 | 1,291 |
| Average earning assets | $515,806,250 | 1,278 |
| Average equity | $62,497,500 | 1,270 |
| Average total loans | $419,310,500 | 1,191 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6193% | 1,217 |
| Cost of funding earning assets | 0.6034% | 1,421 |
| Net interest margin | 4.0158% | 1,554 |
| Noninterest income to average assets | 0.6930% | 2,018 |
| Noninterest expense to average assets | 2.7926% | 2,791 |
| Loan and lease loss provision to assets | 0.2393% | 709 |
| Net operating income to assets | 0.9343% | 2,747 |
| Return on assets (ROA) | 0.9489% | 2,723 |
| Pretax return on assets | 1.4423% | 1,851 |
| Return on Equity (ROE) | 8.4641% | 2,795 |
| Retained earnings to average equity (ytd only) | 7.2029% | 1,497 |
| Net charge-offs to loans | -0.0433% | 5,111 |
| Credit loss provision to net charge-offs | -738.6364% | 4,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8890% | 4,006 |
| Assets per employee ($millions) | 5.5664% | 1,811 |
| Cash dividends to net income (ytd only)* | 14.9010% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 2,261 |
| Loan loss allowance to noncurrent loans | 89.0084% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.1758% | 1,451 |
| Noncurrent loans to loans | 1.4972% | 1,258 |
| Net loans and leases to total assets | 77.4842% | 1,318 |
| Net loans and leases to deposits | 95.3951% | 1,127 |
| Net loans and leases to core deposits | 110.2381% | 992 |
| Total domestic deposits to total assets | 81.2246% | 4,124 |
| Equity capital to assets | 12.0645% | 1,888 |
| Core capital (leverage) ratio | 10.7162% | 2,686 |
| Tier 1 risk-based capital ratio | 10.6784% | 5,388 |
| Total risk-based capital ratio | 11.7869% | 5,369 |
| Memoranda: | ||
| Average total assets | $543,147,330 | 1,312 |
| Average earning assets | $508,435,670 | 1,299 |
| Average equity | $60,892,330 | 1,303 |
| Average total loans | $406,405,000 | 1,231 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 1,314 |
| Cost of funding earning assets | 0.6017% | 1,359 |
| Net interest margin | 3.9236% | 1,698 |
| Noninterest income to average assets | 0.7853% | 1,608 |
| Noninterest expense to average assets | 2.7994% | 2,796 |
| Loan and lease loss provision to assets | 0.2952% | 469 |
| Net operating income to assets | 0.9034% | 2,744 |
| Return on assets (ROA) | 0.9034% | 2,801 |
| Pretax return on assets | 1.3580% | 2,036 |
| Return on Equity (ROE) | 8.3790% | 2,725 |
| Retained earnings to average equity (ytd only) | 7.0646% | 1,824 |
| Net charge-offs to loans | -0.0212% | 4,777 |
| Credit loss provision to net charge-offs | -1,904.7619% | 4,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0421% | 4,141 |
| Assets per employee ($millions) | 5.9999% | 1,509 |
| Cash dividends to net income (ytd only)* | 15.6863% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 2,458 |
| Loan loss allowance to noncurrent loans | 74.9305% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.3326% | 1,269 |
| Noncurrent loans to loans | 1.7564% | 1,080 |
| Net loans and leases to total assets | 74.8732% | 1,605 |
| Net loans and leases to deposits | 91.0731% | 1,419 |
| Net loans and leases to core deposits | 107.1656% | 1,028 |
| Total domestic deposits to total assets | 82.2122% | 4,104 |
| Equity capital to assets | 10.9608% | 2,671 |
| Core capital (leverage) ratio | 9.6500% | 3,926 |
| Tier 1 risk-based capital ratio | 9.7928% | 5,737 |
| Total risk-based capital ratio | 10.8730% | 5,745 |
| Memoranda: | ||
| Average total assets | $541,965,500 | 1,317 |
| Average earning assets | $506,577,000 | 1,300 |
| Average equity | $58,432,000 | 1,345 |
| Average total loans | $395,410,500 | 1,253 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5548% | 1,396 |
| Cost of funding earning assets | 0.6181% | 1,223 |
| Net interest margin | 3.9368% | 1,827 |
| Noninterest income to average assets | 0.8573% | 1,547 |
| Noninterest expense to average assets | 2.7943% | 3,039 |
| Loan and lease loss provision to assets | 0.2489% | 843 |
| Net operating income to assets | 0.9751% | 2,458 |
| Return on assets (ROA) | 0.9885% | 2,503 |
| Pretax return on assets | 1.4994% | 1,585 |
| Return on Equity (ROE) | 8.7500% | 2,543 |
| Retained earnings to average equity (ytd only) | 5.1742% | 2,218 |
| Net charge-offs to loans | 0.0097% | 3,942 |
| Credit loss provision to net charge-offs | 3,676.4706% | 118 |
| Earnings coverage of net charge-offs (x) | 255.2647% | 280 |
| Efficiency ratio | 60.9052% | 4,434 |
| Assets per employee ($millions) | 6.1812% | 1,341 |
| Cash dividends to net income (ytd only)* | 40.8661% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 2,525 |
| Loan loss allowance to noncurrent loans | 232.7247% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 3,697 |
| Noncurrent loans to loans | 0.5605% | 3,161 |
| Net loans and leases to total assets | 69.1528% | 2,602 |
| Net loans and leases to deposits | 83.1165% | 2,528 |
| Net loans and leases to core deposits | 96.7992% | 1,851 |
| Total domestic deposits to total assets | 83.1999% | 3,698 |
| Equity capital to assets | 10.6035% | 3,037 |
| Core capital (leverage) ratio | 9.2881% | 4,365 |
| Tier 1 risk-based capital ratio | 9.9816% | 5,742 |
| Total risk-based capital ratio | 11.0251% | 5,762 |
| Memoranda: | ||
| Average total assets | $502,266,400 | 1,372 |
| Average earning assets | $467,590,200 | 1,359 |
| Average equity | $56,742,600 | 1,358 |
| Average total loans | $351,523,000 | 1,334 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5782% | 1,338 |
| Cost of funding earning assets | 0.6161% | 1,232 |
| Net interest margin | 3.9621% | 1,776 |
| Noninterest income to average assets | 0.8740% | 1,496 |
| Noninterest expense to average assets | 2.8165% | 2,949 |
| Loan and lease loss provision to assets | 0.1965% | 1,086 |
| Net operating income to assets | 0.9902% | 2,480 |
| Return on assets (ROA) | 1.0079% | 2,531 |
| Pretax return on assets | 1.5742% | 1,451 |
| Return on Equity (ROE) | 8.7724% | 2,623 |
| Retained earnings to average equity (ytd only) | 4.4381% | 3,171 |
| Net charge-offs to loans | 0.0147% | 3,440 |
| Credit loss provision to net charge-offs | 1,907.8947% | 246 |
| Earnings coverage of net charge-offs (x) | 169.1952% | 429 |
| Efficiency ratio | 60.8740% | 4,414 |
| Assets per employee ($millions) | 6.1712% | 1,316 |
| Cash dividends to net income (ytd only)* | 49.4082% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 3,112 |
| Loan loss allowance to noncurrent loans | 202.6460% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.4179% | 3,753 |
| Noncurrent loans to loans | 0.6030% | 3,206 |
| Net loans and leases to total assets | 68.4547% | 2,730 |
| Net loans and leases to deposits | 82.9243% | 2,613 |
| Net loans and leases to core deposits | 96.8837% | 1,913 |
| Total domestic deposits to total assets | 82.5509% | 3,759 |
| Equity capital to assets | 11.1143% | 2,903 |
| Core capital (leverage) ratio | 9.5032% | 4,177 |
| Tier 1 risk-based capital ratio | 10.3537% | 5,678 |
| Total risk-based capital ratio | 11.3468% | 5,711 |
| Memoranda: | ||
| Average total assets | $491,847,500 | 1,404 |
| Average earning assets | $457,522,500 | 1,399 |
| Average equity | $56,509,000 | 1,371 |
| Average total loans | $344,123,250 | 1,357 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6500% | 1,166 |
| Cost of funding earning assets | 0.6067% | 1,270 |
| Net interest margin | 4.0433% | 1,518 |
| Noninterest income to average assets | 0.8596% | 1,512 |
| Noninterest expense to average assets | 2.8619% | 2,800 |
| Loan and lease loss provision to assets | 0.2287% | 892 |
| Net operating income to assets | 0.9742% | 2,501 |
| Return on assets (ROA) | 1.0014% | 2,529 |
| Pretax return on assets | 1.5640% | 1,479 |
| Return on Equity (ROE) | 8.6135% | 2,688 |
| Retained earnings to average equity (ytd only) | 7.3795% | 1,440 |
| Net charge-offs to loans | 0.0249% | 2,984 |
| Credit loss provision to net charge-offs | 1,309.5238% | 300 |
| Earnings coverage of net charge-offs (x) | 100.2143% | 578 |
| Efficiency ratio | 62.0503% | 4,341 |
| Assets per employee ($millions) | 5.8129% | 1,537 |
| Cash dividends to net income (ytd only)* | 14.3272% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 3,222 |
| Loan loss allowance to noncurrent loans | 188.7118% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.4519% | 3,701 |
| Noncurrent loans to loans | 0.6487% | 3,128 |
| Net loans and leases to total assets | 68.8067% | 2,662 |
| Net loans and leases to deposits | 84.9402% | 2,356 |
| Net loans and leases to core deposits | 99.3808% | 1,682 |
| Total domestic deposits to total assets | 81.0061% | 4,277 |
| Equity capital to assets | 11.4600% | 2,584 |
| Core capital (leverage) ratio | 9.8352% | 3,770 |
| Tier 1 risk-based capital ratio | 10.7555% | 5,549 |
| Total risk-based capital ratio | 11.7707% | 5,577 |
| Memoranda: | ||
| Average total assets | $480,947,330 | 1,437 |
| Average earning assets | $446,364,670 | 1,436 |
| Average equity | $55,912,000 | 1,382 |
| Average total loans | $337,657,670 | 1,381 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7539% | 939 |
| Cost of funding earning assets | 0.5895% | 1,412 |
| Net interest margin | 4.1644% | 1,186 |
| Noninterest income to average assets | 0.6346% | 2,346 |
| Noninterest expense to average assets | 2.8015% | 3,065 |
| Loan and lease loss provision to assets | 0.2121% | 916 |
| Net operating income to assets | 0.9457% | 2,531 |
| Return on assets (ROA) | 1.0011% | 2,391 |
| Pretax return on assets | 1.5611% | 1,402 |
| Return on Equity (ROE) | 8.5472% | 2,638 |
| Retained earnings to average equity (ytd only) | 7.2941% | 1,751 |
| Net charge-offs to loans | -0.0674% | 5,473 |
| Credit loss provision to net charge-offs | -446.4286% | 4,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4197% | 4,386 |
| Assets per employee ($millions) | 6.1147% | 1,328 |
| Cash dividends to net income (ytd only)* | 14.6610% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 3,410 |
| Loan loss allowance to noncurrent loans | 168.2270% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 3,605 |
| Noncurrent loans to loans | 0.7203% | 3,038 |
| Net loans and leases to total assets | 68.5379% | 2,571 |
| Net loans and leases to deposits | 84.8020% | 2,216 |
| Net loans and leases to core deposits | 98.2124% | 1,621 |
| Total domestic deposits to total assets | 80.8211% | 4,550 |
| Equity capital to assets | 11.5504% | 2,397 |
| Core capital (leverage) ratio | 10.1389% | 3,381 |
| Tier 1 risk-based capital ratio | 10.8787% | 5,564 |
| Total risk-based capital ratio | 11.8819% | 5,605 |
| Memoranda: | ||
| Average total assets | $471,465,000 | 1,457 |
| Average earning assets | $436,269,500 | 1,462 |
| Average equity | $55,223,000 | 1,396 |
| Average total loans | $332,368,500 | 1,392 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 944 |
| Cost of funding earning assets | 0.3732% | 3,447 |
| Net interest margin | 4.4168% | 768 |
| Noninterest income to average assets | 1.0561% | 1,057 |
| Noninterest expense to average assets | 3.2715% | 1,786 |
| Loan and lease loss provision to assets | 0.2388% | 806 |
| Net operating income to assets | 1.0245% | 2,239 |
| Return on assets (ROA) | 1.0506% | 2,207 |
| Pretax return on assets | 1.6119% | 1,217 |
| Return on Equity (ROE) | 8.7764% | 2,573 |
| Retained earnings to average equity (ytd only) | 7.2490% | 1,179 |
| Net charge-offs to loans | -0.1350% | 5,864 |
| Credit loss provision to net charge-offs | -253.0120% | 5,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3755% | 4,189 |
| Assets per employee ($millions) | 5.8212% | 1,516 |
| Cash dividends to net income (ytd only)* | 17.4026% | 3,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 3,808 |
| Loan loss allowance to noncurrent loans | 134.1071% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 1.2756% | 1,676 |
| Noncurrent loans to loans | 0.8495% | 2,663 |
| Net loans and leases to total assets | 70.8552% | 2,232 |
| Net loans and leases to deposits | 87.3176% | 1,957 |
| Net loans and leases to core deposits | 101.3748% | 1,416 |
| Total domestic deposits to total assets | 81.1465% | 4,439 |
| Equity capital to assets | 11.8840% | 2,044 |
| Core capital (leverage) ratio | 9.8038% | 3,763 |
| Tier 1 risk-based capital ratio | 10.8846% | 5,580 |
| Total risk-based capital ratio | 11.8465% | 5,651 |
| Memoranda: | ||
| Average total assets | $439,740,200 | 1,517 |
| Average earning assets | $400,813,800 | 1,526 |
| Average equity | $52,641,400 | 1,416 |
| Average total loans | $307,355,200 | 1,440 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8226% | 900 |
| Cost of funding earning assets | 0.3383% | 3,882 |
| Net interest margin | 4.4843% | 673 |
| Noninterest income to average assets | 1.1428% | 918 |
| Noninterest expense to average assets | 3.3751% | 1,523 |
| Loan and lease loss provision to assets | 0.2300% | 797 |
| Net operating income to assets | 1.0517% | 2,210 |
| Return on assets (ROA) | 1.0870% | 2,151 |
| Pretax return on assets | 1.6697% | 1,189 |
| Return on Equity (ROE) | 9.0627% | 2,542 |
| Retained earnings to average equity (ytd only) | 7.4491% | 1,479 |
| Net charge-offs to loans | -0.1811% | 5,968 |
| Credit loss provision to net charge-offs | -182.9268% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6496% | 4,127 |
| Assets per employee ($millions) | 5.7946% | 1,513 |
| Cash dividends to net income (ytd only)* | 17.8047% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 4,108 |
| Loan loss allowance to noncurrent loans | 125.6373% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 1.3075% | 1,787 |
| Noncurrent loans to loans | 0.8921% | 2,745 |
| Net loans and leases to total assets | 68.2159% | 2,645 |
| Net loans and leases to deposits | 84.3855% | 2,360 |
| Net loans and leases to core deposits | 97.5426% | 1,742 |
| Total domestic deposits to total assets | 80.8385% | 4,515 |
| Equity capital to assets | 12.0757% | 2,050 |
| Core capital (leverage) ratio | 10.1537% | 3,433 |
| Tier 1 risk-based capital ratio | 11.4850% | 5,384 |
| Total risk-based capital ratio | 12.4422% | 5,448 |
| Memoranda: | ||
| Average total assets | $434,707,250 | 1,541 |
| Average earning assets | $395,292,000 | 1,559 |
| Average equity | $52,139,000 | 1,437 |
| Average total loans | $301,794,500 | 1,473 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7248% | 1,024 |
| Cost of funding earning assets | 0.3183% | 4,181 |
| Net interest margin | 4.4065% | 753 |
| Noninterest income to average assets | 1.2314% | 804 |
| Noninterest expense to average assets | 3.4446% | 1,385 |
| Loan and lease loss provision to assets | 0.2321% | 791 |
| Net operating income to assets | 1.0081% | 2,349 |
| Return on assets (ROA) | 1.0615% | 2,202 |
| Pretax return on assets | 1.6334% | 1,245 |
| Return on Equity (ROE) | 8.8714% | 2,620 |
| Retained earnings to average equity (ytd only) | 7.8706% | 1,318 |
| Net charge-offs to loans | -0.1288% | 5,872 |
| Credit loss provision to net charge-offs | -259.0674% | 5,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8883% | 4,029 |
| Assets per employee ($millions) | 5.8667% | 1,451 |
| Cash dividends to net income (ytd only)* | 11.2812% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 4,967 |
| Loan loss allowance to noncurrent loans | 99.7325% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.4393% | 1,734 |
| Noncurrent loans to loans | 0.9831% | 2,675 |
| Net loans and leases to total assets | 68.4685% | 2,574 |
| Net loans and leases to deposits | 84.6033% | 2,238 |
| Net loans and leases to core deposits | 96.1080% | 1,788 |
| Total domestic deposits to total assets | 80.9288% | 4,632 |
| Equity capital to assets | 11.9808% | 2,043 |
| Core capital (leverage) ratio | 10.2719% | 3,252 |
| Tier 1 risk-based capital ratio | 11.5022% | 5,465 |
| Total risk-based capital ratio | 12.3231% | 5,597 |
| Memoranda: | ||
| Average total assets | $430,881,000 | 1,562 |
| Average earning assets | $390,788,000 | 1,584 |
| Average equity | $51,558,670 | 1,457 |
| Average total loans | $299,786,000 | 1,479 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7132% | 1,011 |
| Cost of funding earning assets | 0.3158% | 4,268 |
| Net interest margin | 4.3974% | 734 |
| Noninterest income to average assets | 1.0621% | 1,001 |
| Noninterest expense to average assets | 3.1760% | 2,047 |
| Loan and lease loss provision to assets | 0.3049% | 471 |
| Net operating income to assets | 0.9861% | 2,327 |
| Return on assets (ROA) | 0.9861% | 2,452 |
| Pretax return on assets | 1.5528% | 1,380 |
| Return on Equity (ROE) | 8.2464% | 2,829 |
| Retained earnings to average equity (ytd only) | 7.2342% | 1,898 |
| Net charge-offs to loans | -0.2124% | 6,069 |
| Credit loss provision to net charge-offs | -205.6962% | 4,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0941% | 4,616 |
| Assets per employee ($millions) | 5.6570% | 1,661 |
| Cash dividends to net income (ytd only)* | 12.2740% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 5,361 |
| Loan loss allowance to noncurrent loans | 42.4851% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 1.5592% | 1,658 |
| Noncurrent loans to loans | 2.1745% | 1,173 |
| Net loans and leases to total assets | 71.0413% | 1,977 |
| Net loans and leases to deposits | 88.5423% | 1,553 |
| Net loans and leases to core deposits | 96.4391% | 1,584 |
| Total domestic deposits to total assets | 80.2344% | 5,001 |
| Equity capital to assets | 12.3264% | 1,806 |
| Core capital (leverage) ratio | 10.0623% | 3,521 |
| Tier 1 risk-based capital ratio | 11.4143% | 5,597 |
| Total risk-based capital ratio | 12.2448% | 5,741 |
| Memoranda: | ||
| Average total assets | $426,319,500 | 1,587 |
| Average earning assets | $385,044,000 | 1,607 |
| Average equity | $50,980,000 | 1,477 |
| Average total loans | $297,555,500 | 1,491 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 2,147 |
| Cost of funding earning assets | 0.3747% | 3,983 |
| Net interest margin | 4.0492% | 1,737 |
| Noninterest income to average assets | 0.3527% | 4,584 |
| Noninterest expense to average assets | 2.8225% | 3,405 |
| Loan and lease loss provision to assets | 0.1272% | 2,061 |
| Net operating income to assets | 0.6788% | 3,993 |
| Return on assets (ROA) | 0.6920% | 4,049 |
| Pretax return on assets | 1.1249% | 2,987 |
| Return on Equity (ROE) | 6.0402% | 4,124 |
| Retained earnings to average equity (ytd only) | 5.1007% | 2,526 |
| Net charge-offs to loans | 0.0227% | 4,391 |
| Credit loss provision to net charge-offs | 878.3784% | 311 |
| Earnings coverage of net charge-offs (x) | 85.0270% | 599 |
| Efficiency ratio | 69.6244% | 3,600 |
| Assets per employee ($millions) | 5.7869% | 1,533 |
| Cash dividends to net income (ytd only)* | 15.5543% | 3,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7764% | 5,837 |
| Loan loss allowance to noncurrent loans | 39.7018% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 1.3350% | 2,107 |
| Noncurrent loans to loans | 1.9556% | 1,435 |
| Net loans and leases to total assets | 67.4290% | 2,661 |
| Net loans and leases to deposits | 83.7492% | 2,244 |
| Net loans and leases to core deposits | 91.1195% | 2,175 |
| Total domestic deposits to total assets | 80.5130% | 4,879 |
| Equity capital to assets | 11.6030% | 2,340 |
| Core capital (leverage) ratio | 10.0451% | 3,511 |
| Tier 1 risk-based capital ratio | 11.4410% | 5,690 |
| Total risk-based capital ratio | 12.1391% | 5,882 |
| Memoranda: | ||
| Average total assets | $255,480,600 | 2,480 |
| Average earning assets | $233,525,400 | 2,483 |
| Average equity | $29,270,600 | 2,324 |
| Average total loans | $163,326,800 | 2,399 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2888% | 2,680 |
| Cost of funding earning assets | 0.3775% | 4,050 |
| Net interest margin | 3.9114% | 2,193 |
| Noninterest income to average assets | 0.1594% | 5,956 |
| Noninterest expense to average assets | 2.6496% | 4,015 |
| Loan and lease loss provision to assets | 0.0316% | 3,781 |
| Net operating income to assets | 0.6978% | 3,951 |
| Return on assets (ROA) | 0.7196% | 3,945 |
| Pretax return on assets | 1.1092% | 3,150 |
| Return on Equity (ROE) | 6.3225% | 4,070 |
| Retained earnings to average equity (ytd only) | 5.5113% | 2,740 |
| Net charge-offs to loans | -0.0031% | 5,224 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5268% | 3,414 |
| Assets per employee ($millions) | 7.0866% | 782 |
| Cash dividends to net income (ytd only)* | 12.8294% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 2,529 |
| Loan loss allowance to noncurrent loans | 289.4366% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 4,886 |
| Noncurrent loans to loans | 0.5332% | 4,337 |
| Net loans and leases to total assets | 63.7998% | 3,207 |
| Net loans and leases to deposits | 77.2719% | 3,030 |
| Net loans and leases to core deposits | 81.0272% | 3,197 |
| Total domestic deposits to total assets | 82.5653% | 4,276 |
| Equity capital to assets | 12.0140% | 2,043 |
| Core capital (leverage) ratio | 11.5417% | 2,032 |
| Tier 1 risk-based capital ratio | 14.6754% | 3,771 |
| Total risk-based capital ratio | 15.8877% | 3,738 |
| Memoranda: | ||
| Average total assets | $210,846,250 | 2,897 |
| Average earning assets | $193,926,000 | 2,893 |
| Average equity | $23,998,500 | 2,761 |
| Average total loans | $130,422,500 | 2,869 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2234% | 2,869 |
| Cost of funding earning assets | 0.3762% | 4,149 |
| Net interest margin | 3.8472% | 2,390 |
| Noninterest income to average assets | 0.1524% | 6,037 |
| Noninterest expense to average assets | 2.6845% | 3,923 |
| Loan and lease loss provision to assets | 0.0141% | 3,975 |
| Net operating income to assets | 0.6477% | 4,110 |
| Return on assets (ROA) | 0.6801% | 4,039 |
| Pretax return on assets | 1.0432% | 3,308 |
| Return on Equity (ROE) | 6.0838% | 4,109 |
| Retained earnings to average equity (ytd only) | 5.3854% | 2,713 |
| Net charge-offs to loans | -0.0031% | 5,099 |
| Credit loss provision to net charge-offs | -750.0000% | 5,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7134% | 3,209 |
| Assets per employee ($millions) | 6.8822% | 848 |
| Cash dividends to net income (ytd only)* | 11.4799% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5715% | 2,577 |
| Loan loss allowance to noncurrent loans | 439.8693% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 5,440 |
| Noncurrent loans to loans | 0.3573% | 4,925 |
| Net loans and leases to total assets | 61.2490% | 3,531 |
| Net loans and leases to deposits | 74.0449% | 3,310 |
| Net loans and leases to core deposits | 77.6403% | 3,482 |
| Total domestic deposits to total assets | 82.7188% | 4,405 |
| Equity capital to assets | 11.8014% | 2,152 |
| Core capital (leverage) ratio | 11.5323% | 1,975 |
| Tier 1 risk-based capital ratio | 14.7738% | 3,768 |
| Total risk-based capital ratio | 16.0239% | 3,716 |
| Memoranda: | ||
| Average total assets | $212,625,000 | 2,887 |
| Average earning assets | $195,625,330 | 2,890 |
| Average equity | $23,768,000 | 2,771 |
| Average total loans | $129,506,670 | 2,879 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 2,848 |
| Cost of funding earning assets | 0.3843% | 4,150 |
| Net interest margin | 3.8232% | 2,375 |
| Noninterest income to average assets | 0.1502% | 6,072 |
| Noninterest expense to average assets | 2.5257% | 4,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7455% | 3,449 |
| Return on assets (ROA) | 0.7455% | 3,532 |
| Pretax return on assets | 1.1479% | 2,706 |
| Return on Equity (ROE) | 6.8516% | 3,556 |
| Retained earnings to average equity (ytd only) | 6.1358% | 2,463 |
| Net charge-offs to loans | -0.0031% | 4,745 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7532% | 4,055 |
| Assets per employee ($millions) | 7.0427% | 792 |
| Cash dividends to net income (ytd only)* | 10.4478% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 3,041 |
| Loan loss allowance to noncurrent loans | 435.4348% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 5,557 |
| Noncurrent loans to loans | 0.3502% | 5,066 |
| Net loans and leases to total assets | 61.2137% | 3,362 |
| Net loans and leases to deposits | 73.5888% | 3,118 |
| Net loans and leases to core deposits | 77.1990% | 3,281 |
| Total domestic deposits to total assets | 83.1835% | 4,538 |
| Equity capital to assets | 11.2774% | 2,452 |
| Core capital (leverage) ratio | 10.8949% | 2,493 |
| Tier 1 risk-based capital ratio | 14.3202% | 4,115 |
| Total risk-based capital ratio | 15.5375% | 4,088 |
| Memoranda: | ||
| Average total assets | $215,704,000 | 2,878 |
| Average earning assets | $198,785,500 | 2,864 |
| Average equity | $23,469,000 | 2,797 |
| Average total loans | $130,021,000 | 2,877 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1789% | 3,421 |
| Cost of funding earning assets | 0.4677% | 3,936 |
| Net interest margin | 3.7112% | 3,011 |
| Noninterest income to average assets | 0.1543% | 6,166 |
| Noninterest expense to average assets | 2.4151% | 5,036 |
| Loan and lease loss provision to assets | 0.0750% | 3,610 |
| Net operating income to assets | 0.6760% | 3,914 |
| Return on assets (ROA) | 0.6860% | 3,959 |
| Pretax return on assets | 1.0542% | 3,139 |
| Return on Equity (ROE) | 6.1995% | 3,977 |
| Retained earnings to average equity (ytd only) | 6.1995% | 1,849 |
| Net charge-offs to loans | 0.1469% | 3,332 |
| Credit loss provision to net charge-offs | 87.0787% | 2,843 |
| Earnings coverage of net charge-offs (x) | 12.9326% | 2,082 |
| Efficiency ratio | 68.4398% | 4,118 |
| Assets per employee ($millions) | 7.3376% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 2,941 |
| Loan loss allowance to noncurrent loans | 435.2174% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 5,666 |
| Noncurrent loans to loans | 0.3574% | 5,115 |
| Net loans and leases to total assets | 57.5595% | 4,108 |
| Net loans and leases to deposits | 68.7682% | 3,944 |
| Net loans and leases to core deposits | 72.2248% | 4,039 |
| Total domestic deposits to total assets | 83.7008% | 4,282 |
| Equity capital to assets | 10.4989% | 3,161 |
| Core capital (leverage) ratio | 10.8526% | 2,521 |
| Tier 1 risk-based capital ratio | 14.1927% | 4,158 |
| Total risk-based capital ratio | 15.4170% | 4,123 |
| Memoranda: | ||
| Average total assets | $206,696,000 | 2,953 |
| Average earning assets | $187,945,000 | 2,981 |
| Average equity | $22,872,800 | 2,839 |
| Average total loans | $121,208,600 | 3,012 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2234% | 3,301 |
| Cost of funding earning assets | 0.4916% | 3,853 |
| Net interest margin | 3.7318% | 2,915 |
| Noninterest income to average assets | 0.1482% | 6,289 |
| Noninterest expense to average assets | 2.4196% | 4,960 |
| Loan and lease loss provision to assets | 0.0492% | 4,031 |
| Net operating income to assets | 0.6860% | 3,924 |
| Return on assets (ROA) | 0.6996% | 3,997 |
| Pretax return on assets | 1.0754% | 3,207 |
| Return on Equity (ROE) | 6.2360% | 4,052 |
| Retained earnings to average equity (ytd only) | 6.2360% | 2,268 |
| Net charge-offs to loans | 0.2011% | 2,627 |
| Credit loss provision to net charge-offs | 41.6667% | 3,675 |
| Earnings coverage of net charge-offs (x) | 9.3501% | 2,493 |
| Efficiency ratio | 68.6767% | 3,963 |
| Assets per employee ($millions) | 6.9511% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 2,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 56.1405% | 4,304 |
| Net loans and leases to deposits | 67.3906% | 4,130 |
| Net loans and leases to core deposits | 70.8851% | 4,227 |
| Total domestic deposits to total assets | 83.3062% | 4,459 |
| Equity capital to assets | 11.0491% | 2,717 |
| Core capital (leverage) ratio | 11.1239% | 2,364 |
| Tier 1 risk-based capital ratio | 15.0581% | 3,716 |
| Total risk-based capital ratio | 16.3083% | 3,667 |
| Memoranda: | ||
| Average total assets | $203,338,250 | 3,021 |
| Average earning assets | $183,890,750 | 3,055 |
| Average equity | $22,813,250 | 2,872 |
| Average total loans | $119,334,250 | 3,071 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3069% | 2,930 |
| Cost of funding earning assets | 0.5191% | 3,712 |
| Net interest margin | 3.7878% | 2,602 |
| Noninterest income to average assets | 0.1329% | 6,391 |
| Noninterest expense to average assets | 2.4285% | 4,968 |
| Loan and lease loss provision to assets | 0.0744% | 3,555 |
| Net operating income to assets | 0.6807% | 3,900 |
| Return on assets (ROA) | 0.7014% | 3,979 |
| Pretax return on assets | 1.0783% | 3,180 |
| Return on Equity (ROE) | 6.2188% | 4,040 |
| Retained earnings to average equity (ytd only) | 6.2188% | 2,313 |
| Net charge-offs to loans | 0.3014% | 1,984 |
| Credit loss provision to net charge-offs | 41.6667% | 3,384 |
| Earnings coverage of net charge-offs (x) | 6.2778% | 2,745 |
| Efficiency ratio | 68.4181% | 4,109 |
| Assets per employee ($millions) | 7.0163% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 2,830 |
| Loan loss allowance to noncurrent loans | 834.7826% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 6,163 |
| Noncurrent loans to loans | 0.2019% | 5,806 |
| Net loans and leases to total assets | 53.2064% | 4,708 |
| Net loans and leases to deposits | 63.5656% | 4,555 |
| Net loans and leases to core deposits | 66.8045% | 4,615 |
| Total domestic deposits to total assets | 83.7031% | 4,452 |
| Equity capital to assets | 10.6785% | 3,088 |
| Core capital (leverage) ratio | 10.9229% | 2,431 |
| Tier 1 risk-based capital ratio | 15.3958% | 3,529 |
| Total risk-based capital ratio | 16.6468% | 3,496 |
| Memoranda: | ||
| Average total assets | $201,607,000 | 3,054 |
| Average earning assets | $181,849,000 | 3,093 |
| Average equity | $22,737,330 | 2,897 |
| Average total loans | $119,448,670 | 3,082 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 2,503 |
| Cost of funding earning assets | 0.5450% | 3,620 |
| Net interest margin | 3.8615% | 2,243 |
| Noninterest income to average assets | 0.0730% | 6,665 |
| Noninterest expense to average assets | 2.4203% | 5,060 |
| Loan and lease loss provision to assets | 0.1522% | 2,345 |
| Net operating income to assets | 0.6739% | 3,823 |
| Return on assets (ROA) | 0.7161% | 3,751 |
| Pretax return on assets | 1.1016% | 2,945 |
| Return on Equity (ROE) | 6.1747% | 3,953 |
| Retained earnings to average equity (ytd only) | 6.1747% | 2,588 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0601% | 4,481 |
| Assets per employee ($millions) | 6.9637% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7351% | 2,858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 58.8927% | 3,627 |
| Net loans and leases to deposits | 71.1439% | 3,304 |
| Net loans and leases to core deposits | 75.1954% | 3,442 |
| Total domestic deposits to total assets | 82.7796% | 4,924 |
| Equity capital to assets | 11.3906% | 2,535 |
| Core capital (leverage) ratio | 11.1464% | 2,139 |
| Tier 1 risk-based capital ratio | 14.7048% | 4,035 |
| Total risk-based capital ratio | 15.9563% | 4,001 |
| Memoranda: | ||
| Average total assets | $197,166,500 | 3,130 |
| Average earning assets | $180,551,500 | 3,135 |
| Average equity | $22,867,500 | 2,940 |
| Average total loans | $122,216,500 | 3,042 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 3,402 |
| Cost of funding earning assets | 0.6642% | 3,793 |
| Net interest margin | 3.8329% | 3,091 |
| Noninterest income to average assets | 0.1303% | 6,390 |
| Noninterest expense to average assets | 2.6029% | 4,734 |
| Loan and lease loss provision to assets | 0.1243% | 4,059 |
| Net operating income to assets | 1.2842% | 1,354 |
| Return on assets (ROA) | 1.3344% | 1,353 |
| Pretax return on assets | 0.9561% | 3,721 |
| Return on Equity (ROE) | 11.7091% | 1,592 |
| Retained earnings to average equity (ytd only) | 11.7091% | 351 |
| Net charge-offs to loans | 0.2206% | 3,625 |
| Credit loss provision to net charge-offs | 93.8776% | 3,320 |
| Earnings coverage of net charge-offs (x) | 7.7796% | 2,529 |
| Efficiency ratio | 71.6453% | 3,487 |
| Assets per employee ($millions) | 6.8709% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6410% | 3,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5614% | 5,081 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 63.0898% | 3,040 |
| Net loans and leases to deposits | 77.1999% | 2,629 |
| Net loans and leases to core deposits | 81.4817% | 2,826 |
| Total domestic deposits to total assets | 81.7227% | 5,184 |
| Equity capital to assets | 11.8158% | 2,168 |
| Core capital (leverage) ratio | 11.4909% | 1,884 |
| Tier 1 risk-based capital ratio | 14.3932% | 4,099 |
| Total risk-based capital ratio | 15.6383% | 4,059 |
| Memoranda: | ||
| Average total assets | $185,022,200 | 3,242 |
| Average earning assets | $169,087,800 | 3,243 |
| Average equity | $21,086,200 | 3,085 |
| Average total loans | $111,050,400 | 3,276 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 3,832 |
| Cost of funding earning assets | 0.6934% | 3,830 |
| Net interest margin | 3.7562% | 3,521 |
| Noninterest income to average assets | 0.1106% | 6,582 |
| Noninterest expense to average assets | 2.6458% | 4,584 |
| Loan and lease loss provision to assets | 0.0873% | 4,516 |
| Net operating income to assets | 0.8116% | 3,395 |
| Return on assets (ROA) | 0.8793% | 3,325 |
| Pretax return on assets | 0.8793% | 4,195 |
| Return on Equity (ROE) | 7.7903% | 3,373 |
| Retained earnings to average equity (ytd only) | 7.7903% | 1,708 |
| Net charge-offs to loans | 0.3026% | 2,925 |
| Credit loss provision to net charge-offs | 48.9796% | 4,426 |
| Earnings coverage of net charge-offs (x) | 5.0408% | 3,128 |
| Efficiency ratio | 74.6407% | 2,883 |
| Assets per employee ($millions) | 6.4939% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 3,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 5,232 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 60.4724% | 3,676 |
| Net loans and leases to deposits | 71.9573% | 3,617 |
| Net loans and leases to core deposits | 75.9186% | 3,736 |
| Total domestic deposits to total assets | 84.0392% | 4,202 |
| Equity capital to assets | 11.4861% | 2,754 |
| Core capital (leverage) ratio | 11.1094% | 2,290 |
| Tier 1 risk-based capital ratio | 14.2132% | 4,374 |
| Total risk-based capital ratio | 15.4582% | 4,345 |
| Memoranda: | ||
| Average total assets | $183,181,250 | 3,295 |
| Average earning assets | $167,471,250 | 3,294 |
| Average equity | $20,674,750 | 3,151 |
| Average total loans | $107,962,750 | 3,369 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4114% | 4,139 |
| Cost of funding earning assets | 0.7300% | 3,773 |
| Net interest margin | 3.6814% | 3,916 |
| Noninterest income to average assets | 0.0683% | 6,797 |
| Noninterest expense to average assets | 2.7333% | 4,275 |
| Loan and lease loss provision to assets | 0.0827% | 4,565 |
| Net operating income to assets | 0.6150% | 4,314 |
| Return on assets (ROA) | 0.7175% | 4,040 |
| Pretax return on assets | 0.7175% | 4,776 |
| Return on Equity (ROE) | 6.3961% | 4,101 |
| Retained earnings to average equity (ytd only) | 6.3961% | 2,444 |
| Net charge-offs to loans | 0.5031% | 2,078 |
| Credit loss provision to net charge-offs | 28.3019% | 4,469 |
| Earnings coverage of net charge-offs (x) | 2.3887% | 3,805 |
| Efficiency ratio | 79.6659% | 2,242 |
| Assets per employee ($millions) | 6.5042% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7233% | 3,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7028% | 5,032 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 57.9325% | 4,169 |
| Net loans and leases to deposits | 69.4464% | 3,975 |
| Net loans and leases to core deposits | 73.5293% | 4,092 |
| Total domestic deposits to total assets | 83.4205% | 4,567 |
| Equity capital to assets | 11.4476% | 2,640 |
| Core capital (leverage) ratio | 11.1376% | 2,173 |
| Tier 1 risk-based capital ratio | 14.7681% | 3,919 |
| Total risk-based capital ratio | 16.0194% | 3,884 |
| Memoranda: | ||
| Average total assets | $181,467,000 | 3,330 |
| Average earning assets | $165,751,000 | 3,332 |
| Average equity | $20,356,000 | 3,182 |
| Average total loans | $105,350,670 | 3,452 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4167% | 4,259 |
| Cost of funding earning assets | 0.7817% | 3,614 |
| Net interest margin | 3.6350% | 4,111 |
| Noninterest income to average assets | 0.0950% | 6,771 |
| Noninterest expense to average assets | 2.6896% | 4,461 |
| Loan and lease loss provision to assets | 0.1656% | 3,318 |
| Net operating income to assets | 0.5565% | 4,557 |
| Return on assets (ROA) | 0.7618% | 3,802 |
| Pretax return on assets | 0.7618% | 4,565 |
| Return on Equity (ROE) | 6.8623% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.8623% | 2,495 |
| Net charge-offs to loans | 0.0422% | 4,107 |
| Credit loss provision to net charge-offs | 681.8182% | 512 |
| Earnings coverage of net charge-offs (x) | 29.7273% | 926 |
| Efficiency ratio | 78.8350% | 2,375 |
| Assets per employee ($millions) | 6.5464% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0324% | 2,261 |
| Loan loss allowance to noncurrent loans | 54.5926% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 2.9046% | 1,994 |
| Noncurrent loans to loans | 3.7228% | 1,663 |
| Net loans and leases to total assets | 57.3797% | 4,149 |
| Net loans and leases to deposits | 67.9465% | 4,073 |
| Net loans and leases to core deposits | 71.5275% | 4,221 |
| Total domestic deposits to total assets | 84.4484% | 4,299 |
| Equity capital to assets | 11.5041% | 2,440 |
| Core capital (leverage) ratio | 10.8476% | 2,392 |
| Tier 1 risk-based capital ratio | 15.2517% | 3,587 |
| Total risk-based capital ratio | 16.4788% | 3,568 |
| Memoranda: | ||
| Average total assets | $181,142,000 | 3,360 |
| Average earning assets | $165,281,000 | 3,360 |
| Average equity | $20,110,000 | 3,213 |
| Average total loans | $104,348,500 | 3,497 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9176% | 3,277 |
| Cost of funding earning assets | 1.0283% | 3,169 |
| Net interest margin | 3.8893% | 3,382 |
| Noninterest income to average assets | 0.1172% | 6,559 |
| Noninterest expense to average assets | 2.6413% | 4,956 |
| Loan and lease loss provision to assets | 0.2854% | 3,379 |
| Net operating income to assets | 0.7378% | 3,304 |
| Return on assets (ROA) | 0.7360% | 3,484 |
| Pretax return on assets | 0.7360% | 4,206 |
| Return on Equity (ROE) | 6.4659% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.4659% | 1,757 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0774% | 3,564 |
| Assets per employee ($millions) | 6.6261% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9397% | 2,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6899% | 5,267 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 55.5878% | 4,782 |
| Net loans and leases to deposits | 66.9449% | 4,590 |
| Net loans and leases to core deposits | 70.5490% | 4,716 |
| Total domestic deposits to total assets | 83.0351% | 4,736 |
| Equity capital to assets | 10.7185% | 3,287 |
| Core capital (leverage) ratio | 10.7221% | 2,506 |
| Tier 1 risk-based capital ratio | 14.5510% | 3,935 |
| Total risk-based capital ratio | 15.7685% | 3,935 |
| Memoranda: | ||
| Average total assets | $166,434,800 | 3,549 |
| Average earning assets | $151,800,400 | 3,555 |
| Average equity | $18,945,400 | 3,288 |
| Average total loans | $104,839,000 | 3,505 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0232% | 2,983 |
| Cost of funding earning assets | 1.0994% | 2,984 |
| Net interest margin | 3.9238% | 3,253 |
| Noninterest income to average assets | 0.1229% | 6,647 |
| Noninterest expense to average assets | 2.7077% | 4,692 |
| Loan and lease loss provision to assets | 0.2845% | 3,247 |
| Net operating income to assets | 0.7043% | 3,597 |
| Return on assets (ROA) | 0.7019% | 3,777 |
| Pretax return on assets | 0.7019% | 4,474 |
| Return on Equity (ROE) | 6.0643% | 3,995 |
| Retained earnings to average equity (ytd only) | 6.0643% | 2,525 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2485% | 3,325 |
| Assets per employee ($millions) | 6.7932% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7716% | 3,033 |
| Loan loss allowance to noncurrent loans | 955.0000% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.7247% | 5,351 |
| Noncurrent loans to loans | 0.1855% | 6,499 |
| Net loans and leases to total assets | 59.9588% | 4,134 |
| Net loans and leases to deposits | 72.8613% | 3,826 |
| Net loans and leases to core deposits | 78.0751% | 3,898 |
| Total domestic deposits to total assets | 82.2917% | 4,976 |
| Equity capital to assets | 11.1639% | 2,992 |
| Core capital (leverage) ratio | 11.2652% | 2,183 |
| Tier 1 risk-based capital ratio | 14.2056% | 4,196 |
| Total risk-based capital ratio | 15.4575% | 4,165 |
| Memoranda: | ||
| Average total assets | $161,661,000 | 3,643 |
| Average earning assets | $147,234,250 | 3,644 |
| Average equity | $18,710,250 | 3,323 |
| Average total loans | $104,755,750 | 3,528 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0983% | 2,691 |
| Cost of funding earning assets | 1.1744% | 2,749 |
| Net interest margin | 3.9239% | 3,194 |
| Noninterest income to average assets | 0.1366% | 6,644 |
| Noninterest expense to average assets | 2.8914% | 4,056 |
| Loan and lease loss provision to assets | 0.2617% | 3,305 |
| Net operating income to assets | 0.5578% | 4,274 |
| Return on assets (ROA) | 0.5540% | 4,421 |
| Pretax return on assets | 0.5540% | 4,897 |
| Return on Equity (ROE) | 4.7240% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.7240% | 3,181 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9154% | 2,727 |
| Assets per employee ($millions) | 6.3568% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6553% | 3,473 |
| Loan loss allowance to noncurrent loans | 885.0000% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.7745% | 5,345 |
| Noncurrent loans to loans | 0.1870% | 6,529 |
| Net loans and leases to total assets | 63.6271% | 3,546 |
| Net loans and leases to deposits | 78.2926% | 3,078 |
| Net loans and leases to core deposits | 83.1069% | 3,351 |
| Total domestic deposits to total assets | 81.2684% | 5,437 |
| Equity capital to assets | 11.4916% | 2,507 |
| Core capital (leverage) ratio | 11.4251% | 1,956 |
| Tier 1 risk-based capital ratio | 14.2463% | 3,982 |
| Total risk-based capital ratio | 15.4974% | 3,955 |
| Memoranda: | ||
| Average total assets | $156,673,670 | 3,738 |
| Average earning assets | $142,714,330 | 3,749 |
| Average equity | $18,374,330 | 3,358 |
| Average total loans | $103,737,330 | 3,589 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1153% | 2,579 |
| Cost of funding earning assets | 1.2117% | 2,736 |
| Net interest margin | 3.9035% | 3,121 |
| Noninterest income to average assets | 0.1024% | 6,899 |
| Noninterest expense to average assets | 3.1213% | 3,176 |
| Loan and lease loss provision to assets | 0.2231% | 3,427 |
| Net operating income to assets | 0.3098% | 5,358 |
| Return on assets (ROA) | 0.3491% | 5,262 |
| Pretax return on assets | 0.3491% | 5,514 |
| Return on Equity (ROE) | 2.9449% | 5,402 |
| Retained earnings to average equity (ytd only) | 2.9449% | 4,402 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4167% | 1,785 |
| Assets per employee ($millions) | 6.0152% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 3,763 |
| Loan loss allowance to noncurrent loans | 825.0000% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.8184% | 5,266 |
| Noncurrent loans to loans | 0.1930% | 6,582 |
| Net loans and leases to total assets | 65.1958% | 3,201 |
| Net loans and leases to deposits | 80.1741% | 2,689 |
| Net loans and leases to core deposits | 84.4393% | 3,110 |
| Total domestic deposits to total assets | 81.3178% | 5,566 |
| Equity capital to assets | 11.6366% | 2,170 |
| Core capital (leverage) ratio | 11.9647% | 1,586 |
| Tier 1 risk-based capital ratio | 14.6916% | 3,616 |
| Total risk-based capital ratio | 15.9506% | 3,569 |
| Memoranda: | ||
| Average total assets | $152,372,000 | 3,841 |
| Average earning assets | $138,644,000 | 3,846 |
| Average equity | $18,065,000 | 3,391 |
| Average total loans | $102,140,500 | 3,664 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1482% | 3,864 |
| Cost of funding earning assets | 1.5113% | 2,568 |
| Net interest margin | 3.6369% | 4,636 |
| Noninterest income to average assets | 0.0872% | 6,958 |
| Noninterest expense to average assets | 3.6175% | 1,885 |
| Loan and lease loss provision to assets | 0.5242% | 3,053 |
| Net operating income to assets | -0.7376% | 6,542 |
| Return on assets (ROA) | -0.6906% | 6,547 |
| Pretax return on assets | -0.6906% | 6,454 |
| Return on Equity (ROE) | -5.1032% | 6,440 |
| Retained earnings to average equity (ytd only) | -5.1032% | 6,310 |
| Net charge-offs to loans | 0.1685% | 5,320 |
| Credit loss provision to net charge-offs | 476.6667% | 482 |
| Earnings coverage of net charge-offs (x) | -1.9400% | 6,703 |
| Efficiency ratio | 106.2675% | 619 |
| Assets per employee ($millions) | 5.9340% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 3,754 |
| Loan loss allowance to noncurrent loans | 782.5000% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.8628% | 5,286 |
| Noncurrent loans to loans | 0.1987% | 6,672 |
| Net loans and leases to total assets | 66.8040% | 3,272 |
| Net loans and leases to deposits | 84.0476% | 2,439 |
| Net loans and leases to core deposits | 89.4835% | 2,831 |
| Total domestic deposits to total assets | 79.4835% | 5,975 |
| Equity capital to assets | 12.0870% | 1,859 |
| Core capital (leverage) ratio | 12.0223% | 1,534 |
| Tier 1 risk-based capital ratio | 14.7077% | 3,420 |
| Total risk-based capital ratio | 15.9585% | 3,385 |
| Memoranda: | ||
| Average total assets | $136,394,400 | 4,133 |
| Average earning assets | $124,392,400 | 4,145 |
| Average equity | $18,459,000 | 3,359 |
| Average total loans | $89,008,600 | 4,076 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1489% | 4,083 |
| Cost of funding earning assets | 1.5846% | 2,474 |
| Net interest margin | 3.5643% | 5,042 |
| Noninterest income to average assets | 0.0870% | 7,100 |
| Noninterest expense to average assets | 3.0473% | 3,589 |
| Loan and lease loss provision to assets | 0.7146% | 2,135 |
| Net operating income to assets | -0.4198% | 6,535 |
| Return on assets (ROA) | -0.3808% | 6,549 |
| Pretax return on assets | -0.3808% | 6,478 |
| Return on Equity (ROE) | -2.7325% | 6,470 |
| Retained earnings to average equity (ytd only) | -2.7325% | 6,317 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1782% | 1,197 |
| Assets per employee ($millions) | 6.1419% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9282% | 2,405 |
| Loan loss allowance to noncurrent loans | 490.0000% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.9701% | 5,147 |
| Noncurrent loans to loans | 0.3935% | 6,411 |
| Net loans and leases to total assets | 59.1744% | 5,067 |
| Net loans and leases to deposits | 74.6619% | 4,405 |
| Net loans and leases to core deposits | 79.1604% | 4,636 |
| Total domestic deposits to total assets | 79.2565% | 5,951 |
| Equity capital to assets | 12.7852% | 1,690 |
| Core capital (leverage) ratio | 12.4746% | 1,418 |
| Tier 1 risk-based capital ratio | 16.1817% | 2,682 |
| Total risk-based capital ratio | 17.4346% | 2,630 |
| Memoranda: | ||
| Average total assets | $133,405,750 | 4,241 |
| Average earning assets | $121,836,000 | 4,247 |
| Average equity | $18,591,000 | 3,373 |
| Average total loans | $86,093,750 | 4,223 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2069% | 3,918 |
| Cost of funding earning assets | 1.6408% | 2,430 |
| Net interest margin | 3.5661% | 4,965 |
| Noninterest income to average assets | 0.0839% | 7,164 |
| Noninterest expense to average assets | 3.0604% | 3,469 |
| Loan and lease loss provision to assets | 1.0875% | 1,321 |
| Net operating income to assets | -0.7923% | 6,860 |
| Return on assets (ROA) | -0.7317% | 6,842 |
| Pretax return on assets | -0.7317% | 6,744 |
| Return on Equity (ROE) | -5.0902% | 6,704 |
| Retained earnings to average equity (ytd only) | -5.0902% | 6,564 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2037% | 1,247 |
| Assets per employee ($millions) | 7.0107% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9277% | 2,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 5,657 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 58.7468% | 5,294 |
| Net loans and leases to deposits | 74.2009% | 4,647 |
| Net loans and leases to core deposits | 78.6502% | 4,849 |
| Total domestic deposits to total assets | 79.1727% | 5,988 |
| Equity capital to assets | 12.5943% | 1,745 |
| Core capital (leverage) ratio | 13.2059% | 1,139 |
| Tier 1 risk-based capital ratio | 16.2345% | 2,579 |
| Total risk-based capital ratio | 17.4877% | 2,532 |
| Memoranda: | ||
| Average total assets | $128,739,330 | 4,381 |
| Average earning assets | $118,113,330 | 4,364 |
| Average equity | $18,506,000 | 3,374 |
| Average total loans | $85,144,670 | 4,290 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3261% | 3,418 |
| Cost of funding earning assets | 1.7403% | 2,182 |
| Net interest margin | 3.5858% | 4,789 |
| Noninterest income to average assets | 0.1038% | 7,186 |
| Noninterest expense to average assets | 3.2436% | 2,719 |
| Loan and lease loss provision to assets | 0.6695% | 1,893 |
| Net operating income to assets | -0.4988% | 6,828 |
| Return on assets (ROA) | -0.4988% | 6,852 |
| Pretax return on assets | -0.4988% | 6,780 |
| Return on Equity (ROE) | -3.2237% | 6,761 |
| Retained earnings to average equity (ytd only) | -3.2237% | 6,398 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0000% | 1,081 |
| Assets per employee ($millions) | 6.2658% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 4,558 |
| Loan loss allowance to noncurrent loans | 111.1111% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8618% | 5,432 |
| Noncurrent loans to loans | 1.2360% | 4,905 |
| Net loans and leases to total assets | 68.7678% | 3,210 |
| Net loans and leases to deposits | 86.9123% | 2,420 |
| Net loans and leases to core deposits | 91.3443% | 3,193 |
| Total domestic deposits to total assets | 79.1232% | 6,044 |
| Equity capital to assets | 14.7547% | 939 |
| Core capital (leverage) ratio | 15.1941% | 710 |
| Tier 1 risk-based capital ratio | 17.5067% | 2,077 |
| Total risk-based capital ratio | 18.6528% | 2,077 |
| Memoranda: | ||
| Average total assets | $119,496,500 | 4,642 |
| Average earning assets | $110,325,500 | 4,603 |
| Average equity | $18,488,000 | 3,399 |
| Average total loans | $83,622,000 | 4,398 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2887% | 5,240 |
| Cost of funding earning assets | 1.6910% | 4,565 |
| Net interest margin | 3.5977% | 4,557 |
| Noninterest income to average assets | 0.0753% | 7,376 |
| Noninterest expense to average assets | 4.1336% | 1,181 |
| Loan and lease loss provision to assets | 0.8403% | 2,628 |
| Net operating income to assets | -1.5436% | 6,882 |
| Return on assets (ROA) | -1.4375% | 6,830 |
| Pretax return on assets | -1.4375% | 6,662 |
| Return on Equity (ROE) | -6.2182% | 6,327 |
| Retained earnings to average equity (ytd only) | -6.2182% | 6,170 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.5036% | 600 |
| Assets per employee ($millions) | 5.9830% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 5,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 69.3782% | 3,395 |
| Net loans and leases to deposits | 88.3852% | 2,491 |
| Net loans and leases to core deposits | 118.9135% | 2,044 |
| Total domestic deposits to total assets | 78.4952% | 6,119 |
| Equity capital to assets | 16.2619% | 662 |
| Core capital (leverage) ratio | 16.6671% | 532 |
| Tier 1 risk-based capital ratio | 19.3949% | 1,572 |
| Total risk-based capital ratio | 20.4517% | 1,577 |
| Memoranda: | ||
| Average total assets | $81,043,400 | 5,700 |
| Average earning assets | $75,576,200 | 5,619 |
| Average equity | $18,735,400 | 3,387 |
| Average total loans | $54,386,000 | 5,487 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1031% | 6,255 |
| Cost of funding earning assets | 1.5529% | 5,617 |
| Net interest margin | 3.5503% | 4,671 |
| Noninterest income to average assets | 0.0768% | 7,521 |
| Noninterest expense to average assets | 4.6007% | 661 |
| Loan and lease loss provision to assets | 1.1104% | 1,758 |
| Net operating income to assets | -2.3177% | 7,415 |
| Return on assets (ROA) | -2.3177% | 7,405 |
| Pretax return on assets | -2.3177% | 7,290 |
| Return on Equity (ROE) | -8.9867% | 6,811 |
| Retained earnings to average equity (ytd only) | -8.9867% | 6,702 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.5795% | 417 |
| Assets per employee ($millions) | 6.0555% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 4,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 71.0532% | 3,257 |
| Net loans and leases to deposits | 92.4493% | 2,161 |
| Net loans and leases to core deposits | 128.4620% | 1,537 |
| Total domestic deposits to total assets | 76.8563% | 6,375 |
| Equity capital to assets | 17.9117% | 523 |
| Core capital (leverage) ratio | 19.7975% | 324 |
| Tier 1 risk-based capital ratio | 21.1279% | 1,353 |
| Total risk-based capital ratio | 22.2063% | 1,352 |
| Memoranda: | ||
| Average total assets | $72,885,000 | 5,957 |
| Average earning assets | $68,087,000 | 5,905 |
| Average equity | $18,797,750 | 3,404 |
| Average total loans | $48,015,750 | 5,803 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9866% | 6,817 |
| Cost of funding earning assets | 1.3250% | 6,718 |
| Net interest margin | 3.6616% | 4,109 |
| Noninterest income to average assets | 0.0732% | 7,618 |
| Noninterest expense to average assets | 5.2779% | 432 |
| Loan and lease loss provision to assets | 1.1517% | 1,491 |
| Net operating income to assets | -2.9014% | 7,651 |
| Return on assets (ROA) | -2.9014% | 7,653 |
| Pretax return on assets | -2.9014% | 7,549 |
| Return on Equity (ROE) | -9.6420% | 7,007 |
| Retained earnings to average equity (ytd only) | -9.6420% | 6,840 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.5942% | 374 |
| Assets per employee ($millions) | 4.4315% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 4,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 71.3138% | 3,400 |
| Net loans and leases to deposits | 119.5536% | 244 |
| Net loans and leases to core deposits | 162.9561% | 405 |
| Total domestic deposits to total assets | 59.6501% | 7,939 |
| Equity capital to assets | 24.5805% | 213 |
| Core capital (leverage) ratio | 27.7816% | 165 |
| Tier 1 risk-based capital ratio | 29.1585% | 653 |
| Total risk-based capital ratio | 30.2390% | 651 |
| Memoranda: | ||
| Average total assets | $62,865,330 | 6,336 |
| Average earning assets | $59,318,670 | 6,263 |
| Average equity | $18,917,330 | 3,407 |
| Average total loans | $39,330,670 | 6,233 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 7,155 |
| Cost of funding earning assets | 1.1917% | 7,317 |
| Net interest margin | 3.7175% | 3,817 |
| Noninterest income to average assets | 0.0706% | 7,708 |
| Noninterest expense to average assets | 5.7002% | 336 |
| Loan and lease loss provision to assets | 1.1160% | 1,174 |
| Net operating income to assets | -3.2421% | 7,877 |
| Return on assets (ROA) | -3.2421% | 7,881 |
| Pretax return on assets | -3.2421% | 7,801 |
| Return on Equity (ROE) | -9.6040% | 7,337 |
| Retained earnings to average equity (ytd only) | -9.6040% | 7,073 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.4862% | 310 |
| Assets per employee ($millions) | 3.8353% | 4,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 4,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 61.3232% | 5,443 |
| Net loans and leases to deposits | 102.5368% | 1,128 |
| Net loans and leases to core deposits | 140.8293% | 1,068 |
| Total domestic deposits to total assets | 59.8061% | 7,970 |
| Equity capital to assets | 30.9004% | 135 |
| Core capital (leverage) ratio | 33.9941% | 123 |
| Tier 1 risk-based capital ratio | 38.3381% | 351 |
| Total risk-based capital ratio | 39.3172% | 350 |
| Memoranda: | ||
| Average total assets | $56,630,000 | 6,599 |
| Average earning assets | $53,368,500 | 6,528 |
| Average equity | $19,117,000 | 3,401 |
| Average total loans | $31,793,000 | 6,660 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1131% | 8,089 |
| Cost of funding earning assets | 0.8113% | 8,120 |
| Net interest margin | 3.3018% | 6,031 |
| Noninterest income to average assets | 0.0358% | 7,960 |
| Noninterest expense to average assets | 8.1189% | 215 |
| Loan and lease loss provision to assets | 0.8152% | 1,821 |
| Net operating income to assets | -5.7678% | 8,138 |
| Return on assets (ROA) | -5.7678% | 8,129 |
| Pretax return on assets | -5.7678% | 8,083 |
| Return on Equity (ROE) | -11.6612% | 7,401 |
| Retained earnings to average equity (ytd only) | -11.6612% | 7,221 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 256.4165% | 131 |
| Assets per employee ($millions) | 3.7068% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 4,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 48.4806% | 7,150 |
| Net loans and leases to deposits | 89.2511% | 3,589 |
| Net loans and leases to core deposits | 113.7593% | 3,369 |
| Total domestic deposits to total assets | 54.3193% | 8,084 |
| Equity capital to assets | 37.1365% | 114 |
| Core capital (leverage) ratio | 37.4571% | 123 |
| Tier 1 risk-based capital ratio | 52.5359% | 195 |
| Total risk-based capital ratio | 53.4175% | 195 |
| Memoranda: | ||
| Average total assets | $39,131,000 | 7,251 |
| Average earning assets | $37,101,000 | 7,186 |
| Average equity | $19,354,750 | 3,336 |
| Average total loans | $13,927,500 | 7,707 |