Home > Platinum Bank > Performance and Condition Ratios
Platinum Bank, Performance and Condition Ratios
| 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 | 4.2797% | 2,013 |
| Cost of funding earning assets | 0.6012% | 1,364 |
| Net interest margin | 3.6785% | 2,568 |
| Noninterest income to average assets | 0.0717% | 5,668 |
| Noninterest expense to average assets | 5.6859% | 178 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -2.1330% | 5,821 |
| Return on assets (ROA) | -2.1330% | 5,821 |
| Pretax return on assets | -2.1330% | 5,817 |
| Return on Equity (ROE) | -25.9116% | 5,830 |
| Retained earnings to average equity (ytd only) | -114.9475% | 5,846 |
| Net charge-offs to loans | 0.0486% | 1,881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -55.2321% | 2,937 |
| Efficiency ratio | 160.0349% | 30 |
| Assets per employee ($millions) | 7.2143% | 855 |
| Cash dividends to net income (ytd only)* | -343.6146% | 5,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 3,781 |
| Loan loss allowance to noncurrent loans | 325.6792% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 3,830 |
| Noncurrent loans to loans | 0.3339% | 3,909 |
| Net loans and leases to total assets | 75.5707% | 1,484 |
| Net loans and leases to deposits | 88.2793% | 1,760 |
| Net loans and leases to core deposits | 96.8314% | 1,763 |
| Total domestic deposits to total assets | 85.6042% | 2,838 |
| Equity capital to assets | 6.7617% | 5,781 |
| Core capital (leverage) ratio | 7.2612% | 5,742 |
| Tier 1 risk-based capital ratio | 8.7030% | 5,820 |
| Total risk-based capital ratio | 9.7674% | 5,822 |
| Memoranda: | ||
| Average total assets | $580,026,500 | 1,244 |
| Average earning assets | $548,914,000 | 1,213 |
| Average equity | $47,747,000 | 1,596 |
| Average total loans | $461,367,500 | 1,108 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3674% | 1,920 |
| Cost of funding earning assets | 0.5966% | 1,362 |
| Net interest margin | 3.7708% | 2,428 |
| Noninterest income to average assets | 0.1323% | 5,528 |
| Noninterest expense to average assets | 2.4261% | 4,223 |
| Loan and lease loss provision to assets | 0.0633% | 3,113 |
| Net operating income to assets | 1.2275% | 1,415 |
| Return on assets (ROA) | 1.2275% | 1,506 |
| Pretax return on assets | 1.2275% | 2,561 |
| Return on Equity (ROE) | 13.0623% | 978 |
| Retained earnings to average equity (ytd only) | -4.1743% | 5,644 |
| Net charge-offs to loans | 0.0162% | 3,759 |
| Credit loss provision to net charge-offs | 502.7778% | 657 |
| Earnings coverage of net charge-offs (x) | 102.5556% | 591 |
| Efficiency ratio | 65.2714% | 3,714 |
| Assets per employee ($millions) | 5.9575% | 1,511 |
| Cash dividends to net income (ytd only)* | 131.9567% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 3,667 |
| Loan loss allowance to noncurrent loans | 318.8478% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 3,165 |
| Noncurrent loans to loans | 0.3474% | 3,890 |
| Net loans and leases to total assets | 82.0588% | 601 |
| Net loans and leases to deposits | 98.1736% | 816 |
| Net loans and leases to core deposits | 109.7656% | 919 |
| Total domestic deposits to total assets | 83.5854% | 3,573 |
| Equity capital to assets | 9.8399% | 3,896 |
| Core capital (leverage) ratio | 9.7294% | 3,821 |
| Tier 1 risk-based capital ratio | 11.7084% | 4,919 |
| Total risk-based capital ratio | 12.7945% | 4,932 |
| Memoranda: | ||
| Average total assets | $572,036,200 | 1,219 |
| Average earning assets | $543,779,400 | 1,183 |
| Average equity | $53,757,600 | 1,429 |
| Average total loans | $444,562,400 | 1,098 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 2,125 |
| Cost of funding earning assets | 0.5890% | 1,419 |
| Net interest margin | 3.7242% | 2,622 |
| Noninterest income to average assets | 0.1184% | 5,646 |
| Noninterest expense to average assets | 2.4160% | 4,237 |
| Loan and lease loss provision to assets | 0.0837% | 2,541 |
| Net operating income to assets | 1.1561% | 1,779 |
| Return on assets (ROA) | 1.1561% | 1,881 |
| Pretax return on assets | 1.1561% | 3,020 |
| Return on Equity (ROE) | 12.4426% | 1,190 |
| Retained earnings to average equity (ytd only) | -10.4912% | 5,852 |
| Net charge-offs to loans | 0.0239% | 3,192 |
| Credit loss provision to net charge-offs | 458.2278% | 759 |
| Earnings coverage of net charge-offs (x) | 67.8612% | 874 |
| Efficiency ratio | 66.0868% | 3,575 |
| Assets per employee ($millions) | 5.9581% | 1,461 |
| Cash dividends to net income (ytd only)* | 184.3168% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 3,707 |
| Loan loss allowance to noncurrent loans | 392.2840% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.5021% | 3,438 |
| Noncurrent loans to loans | 0.2866% | 4,240 |
| Net loans and leases to total assets | 76.5861% | 1,427 |
| Net loans and leases to deposits | 90.3390% | 1,708 |
| Net loans and leases to core deposits | 101.4621% | 1,519 |
| Total domestic deposits to total assets | 84.7763% | 2,901 |
| Equity capital to assets | 9.1472% | 5,029 |
| Core capital (leverage) ratio | 9.3862% | 4,345 |
| Tier 1 risk-based capital ratio | 11.4145% | 5,149 |
| Total risk-based capital ratio | 12.5111% | 5,120 |
| Memoranda: | ||
| Average total assets | $576,532,750 | 1,214 |
| Average earning assets | $547,614,000 | 1,176 |
| Average equity | $53,567,500 | 1,442 |
| Average total loans | $440,768,250 | 1,111 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3091% | 2,128 |
| Cost of funding earning assets | 0.5912% | 1,387 |
| Net interest margin | 3.7179% | 2,619 |
| Noninterest income to average assets | 0.1035% | 5,765 |
| Noninterest expense to average assets | 2.4303% | 4,232 |
| Loan and lease loss provision to assets | 0.1261% | 1,806 |
| Net operating income to assets | 1.0765% | 2,057 |
| Return on assets (ROA) | 1.0765% | 2,182 |
| Pretax return on assets | 1.0765% | 3,297 |
| Return on Equity (ROE) | 11.5256% | 1,470 |
| Retained earnings to average equity (ytd only) | -22.8422% | 5,983 |
| Net charge-offs to loans | 0.0682% | 2,209 |
| Credit loss provision to net charge-offs | 242.9530% | 1,127 |
| Earnings coverage of net charge-offs (x) | 23.1678% | 1,600 |
| Efficiency ratio | 66.8968% | 3,553 |
| Assets per employee ($millions) | 5.6833% | 1,634 |
| Cash dividends to net income (ytd only)* | 298.1877% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 3,671 |
| Loan loss allowance to noncurrent loans | 299.1647% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5205% | 3,473 |
| Noncurrent loans to loans | 0.3834% | 3,987 |
| Net loans and leases to total assets | 75.2851% | 1,595 |
| Net loans and leases to deposits | 88.4113% | 1,931 |
| Net loans and leases to core deposits | 100.2477% | 1,617 |
| Total domestic deposits to total assets | 85.1533% | 2,798 |
| Equity capital to assets | 8.9455% | 5,278 |
| Core capital (leverage) ratio | 8.9879% | 4,842 |
| Tier 1 risk-based capital ratio | 11.4929% | 5,162 |
| Total risk-based capital ratio | 12.6227% | 5,127 |
| Memoranda: | ||
| Average total assets | $574,079,670 | 1,220 |
| Average earning assets | $544,990,000 | 1,192 |
| Average equity | $53,620,000 | 1,437 |
| Average total loans | $436,936,330 | 1,119 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3136% | 2,082 |
| Cost of funding earning assets | 0.5887% | 1,414 |
| Net interest margin | 3.7249% | 2,572 |
| Noninterest income to average assets | 0.0676% | 5,916 |
| Noninterest expense to average assets | 2.4218% | 4,309 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1817% | 1,612 |
| Return on assets (ROA) | 1.1817% | 1,711 |
| Pretax return on assets | 1.1817% | 2,777 |
| Return on Equity (ROE) | 12.3896% | 1,190 |
| Retained earnings to average equity (ytd only) | -35.8247% | 6,046 |
| Net charge-offs to loans | 0.0082% | 2,846 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 188.4444% | 319 |
| Efficiency ratio | 67.2080% | 3,596 |
| Assets per employee ($millions) | 5.9819% | 1,411 |
| Cash dividends to net income (ytd only)* | 389.1509% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 4,112 |
| Loan loss allowance to noncurrent loans | 173.8752% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.7618% | 2,795 |
| Noncurrent loans to loans | 0.6264% | 3,294 |
| Net loans and leases to total assets | 74.2395% | 1,695 |
| Net loans and leases to deposits | 87.9052% | 1,838 |
| Net loans and leases to core deposits | 99.4168% | 1,527 |
| Total domestic deposits to total assets | 84.4541% | 3,332 |
| Equity capital to assets | 8.9563% | 5,211 |
| Core capital (leverage) ratio | 9.4633% | 4,255 |
| Tier 1 risk-based capital ratio | 11.7927% | 5,052 |
| Total risk-based capital ratio | 12.8747% | 5,063 |
| Memoranda: | ||
| Average total assets | $574,110,500 | 1,222 |
| Average earning assets | $544,975,500 | 1,188 |
| Average equity | $54,755,500 | 1,413 |
| Average total loans | $436,822,500 | 1,113 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4286% | 1,805 |
| Cost of funding earning assets | 0.6434% | 1,111 |
| Net interest margin | 3.7853% | 2,424 |
| Noninterest income to average assets | 0.0488% | 6,009 |
| Noninterest expense to average assets | 2.5382% | 4,111 |
| Loan and lease loss provision to assets | 0.0068% | 4,261 |
| Net operating income to assets | 1.0990% | 1,934 |
| Return on assets (ROA) | 1.0988% | 2,004 |
| Pretax return on assets | 1.0988% | 3,071 |
| Return on Equity (ROE) | 10.8124% | 1,678 |
| Retained earnings to average equity (ytd only) | 7.9296% | 941 |
| Net charge-offs to loans | 0.0187% | 3,899 |
| Credit loss provision to net charge-offs | 46.8354% | 3,453 |
| Earnings coverage of net charge-offs (x) | 75.6835% | 729 |
| Efficiency ratio | 69.6544% | 3,277 |
| Assets per employee ($millions) | 5.5098% | 1,794 |
| Cash dividends to net income (ytd only)* | 26.6622% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 4,011 |
| Loan loss allowance to noncurrent loans | 176.5074% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.8315% | 2,590 |
| Noncurrent loans to loans | 0.6272% | 3,302 |
| Net loans and leases to total assets | 76.3068% | 1,359 |
| Net loans and leases to deposits | 91.9100% | 1,413 |
| Net loans and leases to core deposits | 104.7658% | 1,181 |
| Total domestic deposits to total assets | 83.0234% | 3,824 |
| Equity capital to assets | 10.1436% | 3,815 |
| Core capital (leverage) ratio | 10.2723% | 3,187 |
| Tier 1 risk-based capital ratio | 12.9801% | 4,334 |
| Total risk-based capital ratio | 14.0710% | 4,336 |
| Memoranda: | ||
| Average total assets | $540,688,200 | 1,255 |
| Average earning assets | $513,545,600 | 1,220 |
| Average equity | $54,946,200 | 1,359 |
| Average total loans | $422,210,000 | 1,081 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4673% | 1,703 |
| Cost of funding earning assets | 0.6519% | 1,081 |
| Net interest margin | 3.8154% | 2,327 |
| Noninterest income to average assets | 0.0406% | 6,122 |
| Noninterest expense to average assets | 2.5353% | 4,095 |
| Loan and lease loss provision to assets | 0.0092% | 4,083 |
| Net operating income to assets | 1.1125% | 1,952 |
| Return on assets (ROA) | 1.1122% | 2,032 |
| Pretax return on assets | 1.1122% | 3,167 |
| Return on Equity (ROE) | 10.9396% | 1,730 |
| Retained earnings to average equity (ytd only) | 7.0595% | 1,661 |
| Net charge-offs to loans | 0.0010% | 4,161 |
| Credit loss provision to net charge-offs | 1,233.3333% | 308 |
| Earnings coverage of net charge-offs (x) | 1,501.2950% | 47 |
| Efficiency ratio | 69.3272% | 3,326 |
| Assets per employee ($millions) | 5.7108% | 1,588 |
| Cash dividends to net income (ytd only)* | 35.4680% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 3,988 |
| Loan loss allowance to noncurrent loans | 242.9995% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.8353% | 2,785 |
| Noncurrent loans to loans | 0.4698% | 3,948 |
| Net loans and leases to total assets | 76.2368% | 1,354 |
| Net loans and leases to deposits | 92.1743% | 1,383 |
| Net loans and leases to core deposits | 105.7673% | 1,118 |
| Total domestic deposits to total assets | 82.7095% | 3,917 |
| Equity capital to assets | 10.0847% | 4,067 |
| Core capital (leverage) ratio | 10.2656% | 3,290 |
| Tier 1 risk-based capital ratio | 12.7701% | 4,566 |
| Total risk-based capital ratio | 13.8892% | 4,565 |
| Memoranda: | ||
| Average total assets | $535,361,000 | 1,272 |
| Average earning assets | $507,442,500 | 1,241 |
| Average equity | $54,431,000 | 1,381 |
| Average total loans | $419,351,750 | 1,093 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4980% | 1,542 |
| Cost of funding earning assets | 0.6544% | 1,075 |
| Net interest margin | 3.8436% | 2,161 |
| Noninterest income to average assets | 0.0117% | 6,243 |
| Noninterest expense to average assets | 2.5436% | 4,092 |
| Loan and lease loss provision to assets | 0.0140% | 3,840 |
| Net operating income to assets | 1.0859% | 1,994 |
| Return on assets (ROA) | 1.0859% | 2,097 |
| Pretax return on assets | 1.0859% | 3,235 |
| Return on Equity (ROE) | 10.6499% | 1,793 |
| Retained earnings to average equity (ytd only) | 4.7782% | 3,007 |
| Net charge-offs to loans | 0.0077% | 3,625 |
| Credit loss provision to net charge-offs | 231.2500% | 1,102 |
| Earnings coverage of net charge-offs (x) | 181.8750% | 370 |
| Efficiency ratio | 69.8133% | 3,357 |
| Assets per employee ($millions) | 5.5664% | 1,684 |
| Cash dividends to net income (ytd only)* | 55.1340% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 4,144 |
| Loan loss allowance to noncurrent loans | 370.4494% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.7538% | 3,129 |
| Noncurrent loans to loans | 0.3073% | 4,591 |
| Net loans and leases to total assets | 77.4432% | 1,146 |
| Net loans and leases to deposits | 93.2601% | 1,225 |
| Net loans and leases to core deposits | 108.1226% | 945 |
| Total domestic deposits to total assets | 83.0399% | 3,938 |
| Equity capital to assets | 9.9261% | 4,118 |
| Core capital (leverage) ratio | 10.0427% | 3,539 |
| Tier 1 risk-based capital ratio | 12.5729% | 4,760 |
| Total risk-based capital ratio | 13.7043% | 4,751 |
| Memoranda: | ||
| Average total assets | $529,164,670 | 1,295 |
| Average earning assets | $499,994,670 | 1,263 |
| Average equity | $53,953,330 | 1,401 |
| Average total loans | $416,738,670 | 1,101 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4843% | 1,505 |
| Cost of funding earning assets | 0.6536% | 1,092 |
| Net interest margin | 3.8307% | 2,130 |
| Noninterest income to average assets | 0.0015% | 6,327 |
| Noninterest expense to average assets | 2.5789% | 4,003 |
| Loan and lease loss provision to assets | 0.0284% | 3,306 |
| Net operating income to assets | 0.9897% | 2,315 |
| Return on assets (ROA) | 0.9897% | 2,442 |
| Pretax return on assets | 0.9897% | 3,547 |
| Return on Equity (ROE) | 9.5737% | 2,191 |
| Retained earnings to average equity (ytd only) | 9.5737% | 1,027 |
| Net charge-offs to loans | -0.0107% | 4,744 |
| Credit loss provision to net charge-offs | -336.3636% | 4,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6969% | 3,219 |
| Assets per employee ($millions) | 5.6836% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 4,162 |
| Loan loss allowance to noncurrent loans | 357.7176% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.8517% | 2,947 |
| Noncurrent loans to loans | 0.3264% | 4,623 |
| Net loans and leases to total assets | 75.8657% | 1,229 |
| Net loans and leases to deposits | 91.3010% | 1,257 |
| Net loans and leases to core deposits | 105.6349% | 962 |
| Total domestic deposits to total assets | 83.0941% | 4,152 |
| Equity capital to assets | 10.0021% | 4,146 |
| Core capital (leverage) ratio | 10.6393% | 2,808 |
| Tier 1 risk-based capital ratio | 12.9322% | 4,642 |
| Total risk-based capital ratio | 14.1022% | 4,609 |
| Memoranda: | ||
| Average total assets | $520,991,500 | 1,319 |
| Average earning assets | $488,998,000 | 1,297 |
| Average equity | $53,856,000 | 1,414 |
| Average total loans | $411,445,500 | 1,112 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 1,460 |
| Cost of funding earning assets | 0.6773% | 1,221 |
| Net interest margin | 3.9577% | 2,018 |
| Noninterest income to average assets | -0.0473% | 6,431 |
| Noninterest expense to average assets | 2.7480% | 3,683 |
| Loan and lease loss provision to assets | 0.0925% | 2,620 |
| Net operating income to assets | 0.8689% | 3,026 |
| Return on assets (ROA) | 0.8689% | 3,119 |
| Pretax return on assets | 0.8689% | 4,006 |
| Return on Equity (ROE) | 7.8832% | 3,195 |
| Retained earnings to average equity (ytd only) | 5.0545% | 2,564 |
| Net charge-offs to loans | 0.0725% | 3,449 |
| Credit loss provision to net charge-offs | 162.8788% | 1,495 |
| Earnings coverage of net charge-offs (x) | 16.9356% | 1,970 |
| Efficiency ratio | 74.0842% | 2,818 |
| Assets per employee ($millions) | 5.1704% | 2,102 |
| Cash dividends to net income (ytd only)* | 35.8822% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 4,007 |
| Loan loss allowance to noncurrent loans | 366.3389% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.9525% | 2,850 |
| Noncurrent loans to loans | 0.3272% | 4,664 |
| Net loans and leases to total assets | 80.4290% | 682 |
| Net loans and leases to deposits | 98.2386% | 742 |
| Net loans and leases to core deposits | 117.2989% | 493 |
| Total domestic deposits to total assets | 81.8711% | 4,466 |
| Equity capital to assets | 10.7056% | 3,226 |
| Core capital (leverage) ratio | 11.0449% | 2,362 |
| Tier 1 risk-based capital ratio | 13.1586% | 4,617 |
| Total risk-based capital ratio | 14.3666% | 4,567 |
| Memoranda: | ||
| Average total assets | $465,094,600 | 1,436 |
| Average earning assets | $441,469,400 | 1,386 |
| Average equity | $51,261,000 | 1,419 |
| Average total loans | $364,072,000 | 1,219 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6373% | 1,467 |
| Cost of funding earning assets | 0.6891% | 1,204 |
| Net interest margin | 3.9482% | 2,043 |
| Noninterest income to average assets | -0.0557% | 6,512 |
| Noninterest expense to average assets | 2.7344% | 3,695 |
| Loan and lease loss provision to assets | 0.0790% | 2,764 |
| Net operating income to assets | 0.8762% | 3,040 |
| Return on assets (ROA) | 0.8762% | 3,135 |
| Pretax return on assets | 0.8762% | 4,089 |
| Return on Equity (ROE) | 7.8882% | 3,269 |
| Retained earnings to average equity (ytd only) | 4.5544% | 3,405 |
| Net charge-offs to loans | 0.1529% | 2,266 |
| Credit loss provision to net charge-offs | 66.7488% | 2,819 |
| Earnings coverage of net charge-offs (x) | 8.0690% | 2,857 |
| Efficiency ratio | 74.1110% | 2,806 |
| Assets per employee ($millions) | 5.0985% | 2,136 |
| Cash dividends to net income (ytd only)* | 42.2628% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 4,054 |
| Loan loss allowance to noncurrent loans | 516.1364% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.7960% | 3,430 |
| Noncurrent loans to loans | 0.2390% | 5,184 |
| Net loans and leases to total assets | 78.3967% | 915 |
| Net loans and leases to deposits | 96.8302% | 810 |
| Net loans and leases to core deposits | 114.6140% | 567 |
| Total domestic deposits to total assets | 80.9631% | 4,830 |
| Equity capital to assets | 11.2151% | 2,743 |
| Core capital (leverage) ratio | 11.2736% | 2,243 |
| Tier 1 risk-based capital ratio | 14.1775% | 4,092 |
| Total risk-based capital ratio | 15.4182% | 4,028 |
| Memoranda: | ||
| Average total assets | $457,279,250 | 1,470 |
| Average earning assets | $433,778,750 | 1,427 |
| Average equity | $50,791,750 | 1,437 |
| Average total loans | $354,075,750 | 1,253 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5713% | 1,605 |
| Cost of funding earning assets | 0.6937% | 1,221 |
| Net interest margin | 3.8776% | 2,262 |
| Noninterest income to average assets | -0.0888% | 6,602 |
| Noninterest expense to average assets | 2.7144% | 3,810 |
| Loan and lease loss provision to assets | 0.0883% | 2,556 |
| Net operating income to assets | 0.7911% | 3,373 |
| Return on assets (ROA) | 0.7911% | 3,475 |
| Pretax return on assets | 0.7911% | 4,310 |
| Return on Equity (ROE) | 7.1460% | 3,552 |
| Retained earnings to average equity (ytd only) | 2.1041% | 4,844 |
| Net charge-offs to loans | -0.0847% | 6,093 |
| Credit loss provision to net charge-offs | -135.8108% | 5,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5289% | 2,716 |
| Assets per employee ($millions) | 4.9199% | 2,316 |
| Cash dividends to net income (ytd only)* | 70.5556% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 3,451 |
| Loan loss allowance to noncurrent loans | 283.6343% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.9350% | 3,209 |
| Noncurrent loans to loans | 0.4867% | 4,537 |
| Net loans and leases to total assets | 77.6441% | 950 |
| Net loans and leases to deposits | 95.4858% | 842 |
| Net loans and leases to core deposits | 111.6194% | 621 |
| Total domestic deposits to total assets | 81.3148% | 4,872 |
| Equity capital to assets | 10.9862% | 2,891 |
| Core capital (leverage) ratio | 11.3530% | 2,113 |
| Tier 1 risk-based capital ratio | 14.0371% | 4,240 |
| Total risk-based capital ratio | 15.2889% | 4,172 |
| Memoranda: | ||
| Average total assets | $455,051,670 | 1,472 |
| Average earning assets | $432,170,670 | 1,431 |
| Average equity | $50,377,670 | 1,440 |
| Average total loans | $349,343,330 | 1,262 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4970% | 1,822 |
| Cost of funding earning assets | 0.7058% | 1,210 |
| Net interest margin | 3.7912% | 2,506 |
| Noninterest income to average assets | -0.0168% | 6,633 |
| Noninterest expense to average assets | 2.7110% | 3,899 |
| Loan and lease loss provision to assets | 0.1170% | 2,017 |
| Net operating income to assets | 0.7586% | 3,362 |
| Return on assets (ROA) | 0.7586% | 3,448 |
| Pretax return on assets | 0.7586% | 4,277 |
| Return on Equity (ROE) | 6.8258% | 3,578 |
| Retained earnings to average equity (ytd only) | 6.8258% | 2,132 |
| Net charge-offs to loans | -0.0222% | 5,405 |
| Credit loss provision to net charge-offs | -694.7368% | 5,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5869% | 2,862 |
| Assets per employee ($millions) | 4.8285% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 3,624 |
| Loan loss allowance to noncurrent loans | 224.0371% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 1.1406% | 2,971 |
| Noncurrent loans to loans | 0.6231% | 4,304 |
| Net loans and leases to total assets | 76.7663% | 912 |
| Net loans and leases to deposits | 95.4772% | 685 |
| Net loans and leases to core deposits | 108.4081% | 658 |
| Total domestic deposits to total assets | 80.4027% | 5,404 |
| Equity capital to assets | 11.4476% | 2,293 |
| Core capital (leverage) ratio | 11.4425% | 2,012 |
| Tier 1 risk-based capital ratio | 14.8173% | 3,801 |
| Total risk-based capital ratio | 16.0693% | 3,759 |
| Memoranda: | ||
| Average total assets | $451,341,000 | 1,483 |
| Average earning assets | $428,997,500 | 1,447 |
| Average equity | $50,162,500 | 1,441 |
| Average total loans | $341,960,500 | 1,281 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 2,052 |
| Cost of funding earning assets | 0.8640% | 890 |
| Net interest margin | 3.6792% | 3,136 |
| Noninterest income to average assets | -0.1280% | 6,731 |
| Noninterest expense to average assets | 2.5240% | 4,690 |
| Loan and lease loss provision to assets | 0.0487% | 4,156 |
| Net operating income to assets | 0.7822% | 3,382 |
| Return on assets (ROA) | 0.7920% | 3,433 |
| Pretax return on assets | 0.7920% | 4,171 |
| Return on Equity (ROE) | 7.1174% | 3,503 |
| Retained earnings to average equity (ytd only) | 6.2986% | 1,801 |
| Net charge-offs to loans | 0.1774% | 3,055 |
| Credit loss provision to net charge-offs | 36.6438% | 4,111 |
| Earnings coverage of net charge-offs (x) | 6.2466% | 3,099 |
| Efficiency ratio | 75.2325% | 2,911 |
| Assets per employee ($millions) | 5.5909% | 1,573 |
| Cash dividends to net income (ytd only)* | 11.5042% | 3,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 3,727 |
| Loan loss allowance to noncurrent loans | 210.1078% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 1.1157% | 3,174 |
| Noncurrent loans to loans | 0.6584% | 4,322 |
| Net loans and leases to total assets | 72.7224% | 1,556 |
| Net loans and leases to deposits | 89.3341% | 1,310 |
| Net loans and leases to core deposits | 101.7885% | 1,043 |
| Total domestic deposits to total assets | 81.4050% | 5,065 |
| Equity capital to assets | 10.7910% | 2,827 |
| Core capital (leverage) ratio | 11.1915% | 2,204 |
| Tier 1 risk-based capital ratio | 14.9833% | 3,678 |
| Total risk-based capital ratio | 16.2351% | 3,616 |
| Memoranda: | ||
| Average total assets | $439,021,200 | 1,509 |
| Average earning assets | $415,602,400 | 1,465 |
| Average equity | $48,852,400 | 1,444 |
| Average total loans | $329,214,400 | 1,295 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5971% | 1,916 |
| Cost of funding earning assets | 0.8916% | 850 |
| Net interest margin | 3.7055% | 3,011 |
| Noninterest income to average assets | -0.1278% | 6,817 |
| Noninterest expense to average assets | 2.4798% | 4,787 |
| Loan and lease loss provision to assets | 0.0657% | 3,746 |
| Net operating income to assets | 0.8264% | 3,222 |
| Return on assets (ROA) | 0.8396% | 3,272 |
| Pretax return on assets | 0.8396% | 4,144 |
| Return on Equity (ROE) | 7.4855% | 3,385 |
| Retained earnings to average equity (ytd only) | 6.3903% | 2,192 |
| Net charge-offs to loans | 0.1341% | 3,200 |
| Credit loss provision to net charge-offs | 65.0456% | 3,181 |
| Earnings coverage of net charge-offs (x) | 8.8297% | 2,571 |
| Efficiency ratio | 73.5428% | 3,136 |
| Assets per employee ($millions) | 5.6255% | 1,516 |
| Cash dividends to net income (ytd only)* | 14.6306% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5694% | 3,146 |
| Loan loss allowance to noncurrent loans | 195.2494% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 1.3237% | 2,995 |
| Noncurrent loans to loans | 0.8038% | 4,231 |
| Net loans and leases to total assets | 68.7347% | 2,194 |
| Net loans and leases to deposits | 84.9957% | 1,744 |
| Net loans and leases to core deposits | 97.6338% | 1,267 |
| Total domestic deposits to total assets | 80.8685% | 5,248 |
| Equity capital to assets | 10.9083% | 2,850 |
| Core capital (leverage) ratio | 11.3426% | 2,170 |
| Tier 1 risk-based capital ratio | 15.7089% | 3,347 |
| Total risk-based capital ratio | 16.9627% | 3,298 |
| Memoranda: | ||
| Average total assets | $434,162,250 | 1,534 |
| Average earning assets | $410,047,000 | 1,486 |
| Average equity | $48,697,500 | 1,461 |
| Average total loans | $326,998,500 | 1,304 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6424% | 1,718 |
| Cost of funding earning assets | 0.9176% | 822 |
| Net interest margin | 3.7248% | 2,869 |
| Noninterest income to average assets | -0.1012% | 6,849 |
| Noninterest expense to average assets | 2.4898% | 4,774 |
| Loan and lease loss provision to assets | 0.0998% | 3,131 |
| Net operating income to assets | 0.8226% | 3,181 |
| Return on assets (ROA) | 0.8427% | 3,233 |
| Pretax return on assets | 0.8427% | 4,145 |
| Return on Equity (ROE) | 7.4414% | 3,371 |
| Retained earnings to average equity (ytd only) | 5.7942% | 2,560 |
| Net charge-offs to loans | 0.2131% | 2,488 |
| Credit loss provision to net charge-offs | 60.6232% | 3,005 |
| Earnings coverage of net charge-offs (x) | 5.6034% | 2,859 |
| Efficiency ratio | 72.9671% | 3,315 |
| Assets per employee ($millions) | 5.5715% | 1,521 |
| Cash dividends to net income (ytd only)* | 22.1361% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 3,470 |
| Loan loss allowance to noncurrent loans | 109.0909% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 1.9116% | 2,268 |
| Noncurrent loans to loans | 1.3962% | 3,207 |
| Net loans and leases to total assets | 72.0925% | 1,563 |
| Net loans and leases to deposits | 89.4135% | 1,200 |
| Net loans and leases to core deposits | 104.2897% | 832 |
| Total domestic deposits to total assets | 80.6282% | 5,444 |
| Equity capital to assets | 11.0274% | 2,726 |
| Core capital (leverage) ratio | 11.3311% | 2,070 |
| Tier 1 risk-based capital ratio | 15.2620% | 3,618 |
| Total risk-based capital ratio | 16.5125% | 3,576 |
| Memoranda: | ||
| Average total assets | $428,869,000 | 1,553 |
| Average earning assets | $404,532,000 | 1,503 |
| Average equity | $48,566,000 | 1,469 |
| Average total loans | $331,242,330 | 1,284 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7683% | 1,358 |
| Cost of funding earning assets | 0.9295% | 848 |
| Net interest margin | 3.8388% | 2,325 |
| Noninterest income to average assets | -0.1040% | 6,920 |
| Noninterest expense to average assets | 2.5282% | 4,662 |
| Loan and lease loss provision to assets | 0.0539% | 3,725 |
| Net operating income to assets | 0.9243% | 2,548 |
| Return on assets (ROA) | 0.9243% | 2,689 |
| Pretax return on assets | 0.9243% | 3,673 |
| Return on Equity (ROE) | 8.0526% | 2,947 |
| Retained earnings to average equity (ytd only) | 8.0526% | 1,736 |
| Net charge-offs to loans | 0.0834% | 3,006 |
| Credit loss provision to net charge-offs | 81.4286% | 2,145 |
| Earnings coverage of net charge-offs (x) | 14.7857% | 1,433 |
| Efficiency ratio | 72.1024% | 3,596 |
| Assets per employee ($millions) | 5.5782% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 3,778 |
| Loan loss allowance to noncurrent loans | 104.0083% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.8355% | 2,563 |
| Noncurrent loans to loans | 1.4530% | 3,385 |
| Net loans and leases to total assets | 76.3803% | 793 |
| Net loans and leases to deposits | 95.2824% | 579 |
| Net loans and leases to core deposits | 112.0268% | 437 |
| Total domestic deposits to total assets | 80.1619% | 5,720 |
| Equity capital to assets | 11.4137% | 2,500 |
| Core capital (leverage) ratio | 11.7867% | 1,686 |
| Tier 1 risk-based capital ratio | 14.7070% | 4,034 |
| Total risk-based capital ratio | 15.9605% | 3,996 |
| Memoranda: | ||
| Average total assets | $423,228,000 | 1,588 |
| Average earning assets | $398,044,000 | 1,535 |
| Average equity | $48,580,500 | 1,491 |
| Average total loans | $335,751,500 | 1,267 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9332% | 1,736 |
| Cost of funding earning assets | 1.2917% | 387 |
| Net interest margin | 3.6414% | 3,914 |
| Noninterest income to average assets | -0.0512% | 6,884 |
| Noninterest expense to average assets | 2.5018% | 5,085 |
| Loan and lease loss provision to assets | 0.1403% | 3,855 |
| Net operating income to assets | 0.7296% | 3,608 |
| Return on assets (ROA) | 0.7703% | 3,662 |
| Pretax return on assets | 0.7703% | 4,408 |
| Return on Equity (ROE) | 7.7968% | 3,187 |
| Retained earnings to average equity (ytd only) | 5.0243% | 2,685 |
| Net charge-offs to loans | 0.2506% | 3,436 |
| Credit loss provision to net charge-offs | 74.2404% | 4,035 |
| Earnings coverage of net charge-offs (x) | 4.6024% | 3,310 |
| Efficiency ratio | 74.2002% | 3,039 |
| Assets per employee ($millions) | 5.4148% | 1,769 |
| Cash dividends to net income (ytd only)* | 35.5592% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 3,787 |
| Loan loss allowance to noncurrent loans | 94.4777% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 2.0612% | 2,374 |
| Noncurrent loans to loans | 1.5786% | 3,251 |
| Net loans and leases to total assets | 79.9531% | 474 |
| Net loans and leases to deposits | 99.9538% | 415 |
| Net loans and leases to core deposits | 117.1364% | 333 |
| Total domestic deposits to total assets | 79.9901% | 5,666 |
| Equity capital to assets | 11.5454% | 2,402 |
| Core capital (leverage) ratio | 11.9698% | 1,580 |
| Tier 1 risk-based capital ratio | 14.0798% | 4,319 |
| Total risk-based capital ratio | 15.3330% | 4,276 |
| Memoranda: | ||
| Average total assets | $400,518,800 | 1,634 |
| Average earning assets | $376,472,400 | 1,587 |
| Average equity | $39,567,400 | 1,759 |
| Average total loans | $302,075,600 | 1,387 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9500% | 1,833 |
| Cost of funding earning assets | 1.3902% | 306 |
| Net interest margin | 3.5598% | 4,398 |
| Noninterest income to average assets | -0.1073% | 7,030 |
| Noninterest expense to average assets | 2.4674% | 5,184 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7746% | 3,577 |
| Return on assets (ROA) | 0.8294% | 3,549 |
| Pretax return on assets | 0.8294% | 4,384 |
| Return on Equity (ROE) | 8.7854% | 2,908 |
| Retained earnings to average equity (ytd only) | 4.8772% | 3,456 |
| Net charge-offs to loans | 0.1989% | 3,537 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 5.2700% | 3,062 |
| Efficiency ratio | 76.1075% | 2,663 |
| Assets per employee ($millions) | 5.0715% | 2,090 |
| Cash dividends to net income (ytd only)* | 44.4850% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 3,579 |
| Loan loss allowance to noncurrent loans | 65.6331% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 2.8197% | 1,865 |
| Noncurrent loans to loans | 2.4159% | 2,384 |
| Net loans and leases to total assets | 76.3694% | 914 |
| Net loans and leases to deposits | 97.4789% | 572 |
| Net loans and leases to core deposits | 114.5280% | 416 |
| Total domestic deposits to total assets | 78.3445% | 6,006 |
| Equity capital to assets | 12.1815% | 2,128 |
| Core capital (leverage) ratio | 11.9699% | 1,675 |
| Tier 1 risk-based capital ratio | 15.3183% | 3,636 |
| Total risk-based capital ratio | 16.5725% | 3,588 |
| Memoranda: | ||
| Average total assets | $396,414,000 | 1,672 |
| Average earning assets | $372,970,750 | 1,619 |
| Average equity | $37,425,000 | 1,878 |
| Average total loans | $292,994,000 | 1,449 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 2,185 |
| Cost of funding earning assets | 1.3988% | 347 |
| Net interest margin | 3.4837% | 4,748 |
| Noninterest income to average assets | -0.1576% | 7,121 |
| Noninterest expense to average assets | 2.4891% | 5,180 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6290% | 4,230 |
| Return on assets (ROA) | 0.6290% | 4,477 |
| Pretax return on assets | 0.6290% | 5,033 |
| Return on Equity (ROE) | 7.3611% | 3,585 |
| Retained earnings to average equity (ytd only) | 0.9165% | 5,706 |
| Net charge-offs to loans | 0.3059% | 2,807 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.8284% | 3,613 |
| Efficiency ratio | 79.8261% | 2,213 |
| Assets per employee ($millions) | 5.5716% | 1,560 |
| Cash dividends to net income (ytd only)* | 87.5499% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 3,554 |
| Loan loss allowance to noncurrent loans | 90.2068% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 2.3385% | 2,389 |
| Noncurrent loans to loans | 1.7887% | 3,236 |
| Net loans and leases to total assets | 72.9463% | 1,400 |
| Net loans and leases to deposits | 92.4237% | 898 |
| Net loans and leases to core deposits | 108.3743% | 646 |
| Total domestic deposits to total assets | 78.9260% | 5,974 |
| Equity capital to assets | 8.4899% | 6,216 |
| Core capital (leverage) ratio | 8.3988% | 5,790 |
| Tier 1 risk-based capital ratio | 10.9305% | 6,531 |
| Total risk-based capital ratio | 16.7865% | 3,380 |
| Memoranda: | ||
| Average total assets | $398,384,670 | 1,663 |
| Average earning assets | $374,603,330 | 1,613 |
| Average equity | $34,043,670 | 2,035 |
| Average total loans | $289,649,000 | 1,464 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8824% | 2,313 |
| Cost of funding earning assets | 1.5226% | 259 |
| Net interest margin | 3.3598% | 5,264 |
| Noninterest income to average assets | 0.0030% | 7,083 |
| Noninterest expense to average assets | 2.5773% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5783% | 4,448 |
| Return on assets (ROA) | 0.5783% | 4,672 |
| Pretax return on assets | 0.5783% | 5,190 |
| Return on Equity (ROE) | 6.7457% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.7457% | 2,553 |
| Net charge-offs to loans | 0.2464% | 2,696 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.2614% | 2,901 |
| Efficiency ratio | 81.6731% | 1,978 |
| Assets per employee ($millions) | 5.4718% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8136% | 2,947 |
| Loan loss allowance to noncurrent loans | 79.6416% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 3.0180% | 1,923 |
| Noncurrent loans to loans | 2.2772% | 2,826 |
| Net loans and leases to total assets | 69.6184% | 1,821 |
| Net loans and leases to deposits | 88.5923% | 1,096 |
| Net loans and leases to core deposits | 104.8100% | 728 |
| Total domestic deposits to total assets | 78.5829% | 6,168 |
| Equity capital to assets | 8.6782% | 5,903 |
| Core capital (leverage) ratio | 8.5818% | 5,464 |
| Tier 1 risk-based capital ratio | 11.5714% | 6,242 |
| Total risk-based capital ratio | 17.6343% | 2,926 |
| Memoranda: | ||
| Average total assets | $396,998,000 | 1,675 |
| Average earning assets | $372,520,000 | 1,630 |
| Average equity | $34,036,500 | 2,034 |
| Average total loans | $285,759,000 | 1,486 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1147% | 2,394 |
| Cost of funding earning assets | 1.5120% | 680 |
| Net interest margin | 3.6027% | 4,720 |
| Noninterest income to average assets | -0.3975% | 7,236 |
| Noninterest expense to average assets | 2.2295% | 6,210 |
| Loan and lease loss provision to assets | 0.2590% | 3,620 |
| Net operating income to assets | 0.4880% | 4,475 |
| Return on assets (ROA) | 0.4880% | 4,681 |
| Pretax return on assets | 0.4880% | 5,025 |
| Return on Equity (ROE) | 5.7745% | 3,988 |
| Retained earnings to average equity (ytd only) | 4.9921% | 2,646 |
| Net charge-offs to loans | 0.5214% | 2,906 |
| Credit loss provision to net charge-offs | 69.7626% | 4,858 |
| Earnings coverage of net charge-offs (x) | 2.0119% | 4,272 |
| Efficiency ratio | 74.9020% | 3,070 |
| Assets per employee ($millions) | 5.9706% | 1,246 |
| Cash dividends to net income (ytd only)* | 13.5494% | 3,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7938% | 2,889 |
| Loan loss allowance to noncurrent loans | 88.5155% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 2.6411% | 2,303 |
| Noncurrent loans to loans | 2.0265% | 3,172 |
| Net loans and leases to total assets | 71.7291% | 1,691 |
| Net loans and leases to deposits | 90.6789% | 1,080 |
| Net loans and leases to core deposits | 108.3554% | 682 |
| Total domestic deposits to total assets | 79.1023% | 5,971 |
| Equity capital to assets | 8.4704% | 6,179 |
| Core capital (leverage) ratio | 8.4339% | 5,662 |
| Tier 1 risk-based capital ratio | 10.8992% | 6,505 |
| Total risk-based capital ratio | 16.7672% | 3,262 |
| Memoranda: | ||
| Average total assets | $385,653,000 | 1,677 |
| Average earning assets | $361,175,000 | 1,638 |
| Average equity | $32,591,600 | 2,044 |
| Average total loans | $274,648,800 | 1,542 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1504% | 2,388 |
| Cost of funding earning assets | 1.4800% | 930 |
| Net interest margin | 3.6704% | 4,473 |
| Noninterest income to average assets | 0.1148% | 6,685 |
| Noninterest expense to average assets | 2.6641% | 4,859 |
| Loan and lease loss provision to assets | 0.3486% | 2,787 |
| Net operating income to assets | 0.5371% | 4,375 |
| Return on assets (ROA) | 0.5371% | 4,564 |
| Pretax return on assets | 0.5371% | 5,012 |
| Return on Equity (ROE) | 6.3590% | 3,846 |
| Retained earnings to average equity (ytd only) | 5.3054% | 2,993 |
| Net charge-offs to loans | 0.5496% | 2,593 |
| Credit loss provision to net charge-offs | 89.6768% | 3,779 |
| Earnings coverage of net charge-offs (x) | 2.2783% | 3,992 |
| Efficiency ratio | 75.0492% | 2,990 |
| Assets per employee ($millions) | 5.9748% | 1,220 |
| Cash dividends to net income (ytd only)* | 16.5691% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0299% | 2,253 |
| Loan loss allowance to noncurrent loans | 122.7966% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 2.4650% | 2,613 |
| Noncurrent loans to loans | 1.6530% | 3,816 |
| Net loans and leases to total assets | 69.0855% | 2,260 |
| Net loans and leases to deposits | 88.0161% | 1,435 |
| Net loans and leases to core deposits | 105.4829% | 894 |
| Total domestic deposits to total assets | 78.4920% | 6,096 |
| Equity capital to assets | 8.5279% | 6,271 |
| Core capital (leverage) ratio | 8.6727% | 5,452 |
| Tier 1 risk-based capital ratio | 11.5897% | 6,180 |
| Total risk-based capital ratio | 17.8104% | 2,795 |
| Memoranda: | ||
| Average total assets | $382,058,750 | 1,704 |
| Average earning assets | $357,554,250 | 1,659 |
| Average equity | $32,268,500 | 2,057 |
| Average total loans | $270,266,250 | 1,581 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1632% | 2,405 |
| Cost of funding earning assets | 1.4891% | 1,040 |
| Net interest margin | 3.6741% | 4,387 |
| Noninterest income to average assets | 0.1195% | 6,732 |
| Noninterest expense to average assets | 2.6240% | 5,095 |
| Loan and lease loss provision to assets | 0.5032% | 1,946 |
| Net operating income to assets | 0.4248% | 4,836 |
| Return on assets (ROA) | 0.4248% | 4,986 |
| Pretax return on assets | 0.4248% | 5,325 |
| Return on Equity (ROE) | 5.0461% | 4,428 |
| Retained earnings to average equity (ytd only) | 3.4516% | 4,058 |
| Net charge-offs to loans | 0.9306% | 1,673 |
| Credit loss provision to net charge-offs | 76.3578% | 3,877 |
| Earnings coverage of net charge-offs (x) | 1.4081% | 4,226 |
| Efficiency ratio | 73.8737% | 3,382 |
| Assets per employee ($millions) | 6.2733% | 1,033 |
| Cash dividends to net income (ytd only)* | 31.5985% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9731% | 2,443 |
| Loan loss allowance to noncurrent loans | 131.6524% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 2.8943% | 2,325 |
| Noncurrent loans to loans | 1.4987% | 4,171 |
| Net loans and leases to total assets | 70.9854% | 2,010 |
| Net loans and leases to deposits | 86.8989% | 1,662 |
| Net loans and leases to core deposits | 104.2087% | 1,029 |
| Total domestic deposits to total assets | 81.6873% | 5,279 |
| Equity capital to assets | 8.6602% | 5,989 |
| Core capital (leverage) ratio | 8.5971% | 5,414 |
| Tier 1 risk-based capital ratio | 11.3169% | 6,307 |
| Total risk-based capital ratio | 12.5755% | 6,292 |
| Memoranda: | ||
| Average total assets | $379,957,670 | 1,722 |
| Average earning assets | $354,975,000 | 1,685 |
| Average equity | $31,985,000 | 2,066 |
| Average total loans | $269,068,000 | 1,607 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0689% | 2,782 |
| Cost of funding earning assets | 1.5038% | 1,147 |
| Net interest margin | 3.5650% | 4,746 |
| Noninterest income to average assets | 0.1236% | 6,799 |
| Noninterest expense to average assets | 2.8711% | 4,183 |
| Loan and lease loss provision to assets | 0.0692% | 5,128 |
| Net operating income to assets | 0.5145% | 4,435 |
| Return on assets (ROA) | 0.5145% | 4,517 |
| Pretax return on assets | 0.5145% | 4,979 |
| Return on Equity (ROE) | 6.1997% | 3,784 |
| Retained earnings to average equity (ytd only) | 6.1997% | 2,524 |
| Net charge-offs to loans | 0.4684% | 2,298 |
| Credit loss provision to net charge-offs | 21.0863% | 4,243 |
| Earnings coverage of net charge-offs (x) | 1.7796% | 3,414 |
| Efficiency ratio | 83.1059% | 2,067 |
| Assets per employee ($millions) | 6.3775% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0112% | 2,390 |
| Loan loss allowance to noncurrent loans | 87.8440% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 3.4135% | 1,995 |
| Noncurrent loans to loans | 2.2895% | 3,209 |
| Net loans and leases to total assets | 70.2724% | 2,077 |
| Net loans and leases to deposits | 84.6743% | 1,932 |
| Net loans and leases to core deposits | 102.9521% | 1,132 |
| Total domestic deposits to total assets | 82.9915% | 4,936 |
| Equity capital to assets | 8.4835% | 5,930 |
| Core capital (leverage) ratio | 8.3672% | 5,692 |
| Tier 1 risk-based capital ratio | 11.3213% | 6,233 |
| Total risk-based capital ratio | 12.5801% | 6,212 |
| Memoranda: | ||
| Average total assets | $381,736,500 | 1,721 |
| Average earning assets | $356,686,500 | 1,688 |
| Average equity | $31,679,000 | 2,070 |
| Average total loans | $267,318,500 | 1,630 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2005% | 3,607 |
| Cost of funding earning assets | 1.7676% | 1,311 |
| Net interest margin | 3.4329% | 5,507 |
| Noninterest income to average assets | 0.0881% | 6,953 |
| Noninterest expense to average assets | 2.4463% | 5,955 |
| Loan and lease loss provision to assets | 1.1949% | 1,315 |
| Net operating income to assets | -0.3159% | 6,232 |
| Return on assets (ROA) | -0.2418% | 6,210 |
| Pretax return on assets | -0.2418% | 6,115 |
| Return on Equity (ROE) | -2.9244% | 6,271 |
| Retained earnings to average equity (ytd only) | -4.6545% | 6,264 |
| Net charge-offs to loans | 1.2149% | 1,843 |
| Credit loss provision to net charge-offs | 140.5810% | 2,684 |
| Earnings coverage of net charge-offs (x) | 1.0341% | 5,078 |
| Efficiency ratio | 73.5666% | 3,478 |
| Assets per employee ($millions) | 6.6759% | 876 |
| Cash dividends to net income (ytd only)* | -59.1579% | 7,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1428% | 1,977 |
| Loan loss allowance to noncurrent loans | 95.7476% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 3.1521% | 2,244 |
| Noncurrent loans to loans | 2.2379% | 3,286 |
| Net loans and leases to total assets | 66.9215% | 3,242 |
| Net loans and leases to deposits | 79.8421% | 3,205 |
| Net loans and leases to core deposits | 96.3633% | 1,963 |
| Total domestic deposits to total assets | 83.8173% | 4,442 |
| Equity capital to assets | 8.1190% | 6,361 |
| Core capital (leverage) ratio | 8.0322% | 6,148 |
| Tier 1 risk-based capital ratio | 11.3209% | 6,074 |
| Total risk-based capital ratio | 12.5813% | 6,054 |
| Memoranda: | ||
| Average total assets | $392,830,200 | 1,677 |
| Average earning assets | $370,444,400 | 1,627 |
| Average equity | $32,484,800 | 2,021 |
| Average total loans | $274,834,000 | 1,628 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2290% | 3,687 |
| Cost of funding earning assets | 1.8125% | 1,371 |
| Net interest margin | 3.4164% | 5,617 |
| Noninterest income to average assets | 0.0761% | 7,156 |
| Noninterest expense to average assets | 2.4259% | 5,952 |
| Loan and lease loss provision to assets | 0.9006% | 1,685 |
| Net operating income to assets | -0.0223% | 6,037 |
| Return on assets (ROA) | 0.0761% | 5,974 |
| Pretax return on assets | 0.0761% | 5,960 |
| Return on Equity (ROE) | 0.9161% | 5,913 |
| Retained earnings to average equity (ytd only) | -1.3721% | 6,075 |
| Net charge-offs to loans | 0.7875% | 2,470 |
| Credit loss provision to net charge-offs | 162.5763% | 2,319 |
| Earnings coverage of net charge-offs (x) | 1.5855% | 4,529 |
| Efficiency ratio | 73.4186% | 3,432 |
| Assets per employee ($millions) | 6.8480% | 823 |
| Cash dividends to net income (ytd only)* | 249.7783% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9809% | 2,277 |
| Loan loss allowance to noncurrent loans | 81.4138% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 2.5146% | 2,853 |
| Noncurrent loans to loans | 2.4332% | 3,197 |
| Net loans and leases to total assets | 65.4469% | 3,812 |
| Net loans and leases to deposits | 78.2866% | 3,779 |
| Net loans and leases to core deposits | 94.6515% | 2,430 |
| Total domestic deposits to total assets | 83.5991% | 4,321 |
| Equity capital to assets | 8.2325% | 6,575 |
| Core capital (leverage) ratio | 8.2458% | 5,963 |
| Tier 1 risk-based capital ratio | 11.6439% | 5,796 |
| Total risk-based capital ratio | 12.9025% | 5,763 |
| Memoranda: | ||
| Average total assets | $394,237,000 | 1,697 |
| Average earning assets | $372,506,250 | 1,643 |
| Average equity | $32,746,750 | 2,030 |
| Average total loans | $277,343,500 | 1,636 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3148% | 3,393 |
| Cost of funding earning assets | 1.8700% | 1,340 |
| Net interest margin | 3.4447% | 5,462 |
| Noninterest income to average assets | 0.0609% | 7,281 |
| Noninterest expense to average assets | 2.5337% | 5,597 |
| Loan and lease loss provision to assets | 1.1991% | 1,167 |
| Net operating income to assets | -0.4200% | 6,588 |
| Return on assets (ROA) | -0.2711% | 6,484 |
| Pretax return on assets | -0.2711% | 6,393 |
| Return on Equity (ROE) | -3.2540% | 6,541 |
| Retained earnings to average equity (ytd only) | -6.7045% | 6,715 |
| Net charge-offs to loans | 1.1434% | 1,663 |
| Credit loss provision to net charge-offs | 146.5000% | 2,698 |
| Earnings coverage of net charge-offs (x) | 0.9519% | 4,829 |
| Efficiency ratio | 76.4824% | 2,984 |
| Assets per employee ($millions) | 6.7819% | 849 |
| Cash dividends to net income (ytd only)* | -106.0377% | 7,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8449% | 2,584 |
| Loan loss allowance to noncurrent loans | 94.9728% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 2.2857% | 3,149 |
| Noncurrent loans to loans | 1.9426% | 3,807 |
| Net loans and leases to total assets | 67.3193% | 3,543 |
| Net loans and leases to deposits | 80.3802% | 3,539 |
| Net loans and leases to core deposits | 100.5240% | 1,962 |
| Total domestic deposits to total assets | 83.7511% | 4,226 |
| Equity capital to assets | 8.0546% | 6,692 |
| Core capital (leverage) ratio | 8.0808% | 6,153 |
| Tier 1 risk-based capital ratio | 11.1519% | 6,093 |
| Total risk-based capital ratio | 12.4039% | 6,081 |
| Memoranda: | ||
| Average total assets | $390,971,670 | 1,725 |
| Average earning assets | $369,085,330 | 1,668 |
| Average equity | $32,575,000 | 2,030 |
| Average total loans | $279,867,670 | 1,633 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4086% | 2,995 |
| Cost of funding earning assets | 1.8985% | 1,452 |
| Net interest margin | 3.5102% | 5,113 |
| Noninterest income to average assets | -0.0052% | 7,689 |
| Noninterest expense to average assets | 2.7568% | 4,667 |
| Loan and lease loss provision to assets | 1.1657% | 1,050 |
| Net operating income to assets | -0.6201% | 6,914 |
| Return on assets (ROA) | -0.5238% | 6,871 |
| Pretax return on assets | -0.5238% | 6,801 |
| Return on Equity (ROE) | -6.1805% | 6,948 |
| Retained earnings to average equity (ytd only) | -6.1805% | 6,674 |
| Net charge-offs to loans | 1.1083% | 1,517 |
| Credit loss provision to net charge-offs | 143.8059% | 2,474 |
| Earnings coverage of net charge-offs (x) | 0.6731% | 4,424 |
| Efficiency ratio | 83.4796% | 2,073 |
| Assets per employee ($millions) | 6.4594% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 3,209 |
| Loan loss allowance to noncurrent loans | 66.0153% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 2.6971% | 2,700 |
| Noncurrent loans to loans | 2.5156% | 3,158 |
| Net loans and leases to total assets | 71.2319% | 2,637 |
| Net loans and leases to deposits | 85.9310% | 2,599 |
| Net loans and leases to core deposits | 107.1177% | 1,486 |
| Total domestic deposits to total assets | 82.8943% | 4,683 |
| Equity capital to assets | 8.4289% | 6,112 |
| Core capital (leverage) ratio | 8.3691% | 5,611 |
| Tier 1 risk-based capital ratio | 11.0202% | 6,136 |
| Total risk-based capital ratio | 12.2716% | 6,108 |
| Memoranda: | ||
| Average total assets | $386,391,500 | 1,787 |
| Average earning assets | $364,084,000 | 1,725 |
| Average equity | $32,748,000 | 2,054 |
| Average total loans | $282,587,000 | 1,665 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6980% | 3,110 |
| Cost of funding earning assets | 2.4589% | 1,124 |
| Net interest margin | 3.2391% | 5,960 |
| Noninterest income to average assets | 0.0219% | 7,616 |
| Noninterest expense to average assets | 2.2650% | 6,835 |
| Loan and lease loss provision to assets | 0.6917% | 3,059 |
| Net operating income to assets | 0.0981% | 5,219 |
| Return on assets (ROA) | 0.2648% | 4,747 |
| Pretax return on assets | 0.2648% | 4,860 |
| Return on Equity (ROE) | 3.1941% | 4,419 |
| Retained earnings to average equity (ytd only) | 0.9359% | 4,371 |
| Net charge-offs to loans | 0.5536% | 3,570 |
| Credit loss provision to net charge-offs | 175.2639% | 2,396 |
| Earnings coverage of net charge-offs (x) | 2.0013% | 4,221 |
| Efficiency ratio | 74.1435% | 3,867 |
| Assets per employee ($millions) | 6.3151% | 1,071 |
| Cash dividends to net income (ytd only)* | 70.6981% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5184% | 3,631 |
| Loan loss allowance to noncurrent loans | 87.9096% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 2.4046% | 2,894 |
| Noncurrent loans to loans | 1.7272% | 4,046 |
| Net loans and leases to total assets | 72.7181% | 2,575 |
| Net loans and leases to deposits | 88.3099% | 2,509 |
| Net loans and leases to core deposits | 122.0008% | 1,780 |
| Total domestic deposits to total assets | 82.3442% | 4,798 |
| Equity capital to assets | 8.5221% | 5,848 |
| Core capital (leverage) ratio | 8.2644% | 5,691 |
| Tier 1 risk-based capital ratio | 10.7465% | 6,156 |
| Total risk-based capital ratio | 11.9988% | 6,131 |
| Memoranda: | ||
| Average total assets | $384,112,600 | 1,779 |
| Average earning assets | $359,668,600 | 1,742 |
| Average equity | $31,840,400 | 2,105 |
| Average total loans | $273,855,600 | 1,760 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6821% | 3,423 |
| Cost of funding earning assets | 2.5346% | 1,192 |
| Net interest margin | 3.1475% | 6,189 |
| Noninterest income to average assets | 0.0201% | 7,769 |
| Noninterest expense to average assets | 2.1905% | 7,004 |
| Loan and lease loss provision to assets | 0.5447% | 3,210 |
| Net operating income to assets | 0.2282% | 5,063 |
| Return on assets (ROA) | 0.3199% | 4,828 |
| Pretax return on assets | 0.3199% | 5,005 |
| Return on Equity (ROE) | 3.8868% | 4,424 |
| Retained earnings to average equity (ytd only) | 0.8525% | 4,825 |
| Net charge-offs to loans | 0.4710% | 3,343 |
| Credit loss provision to net charge-offs | 163.6743% | 2,874 |
| Earnings coverage of net charge-offs (x) | 2.3225% | 4,083 |
| Efficiency ratio | 73.9186% | 3,875 |
| Assets per employee ($millions) | 6.4619% | 999 |
| Cash dividends to net income (ytd only)* | 78.0671% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 4,121 |
| Loan loss allowance to noncurrent loans | 70.5400% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 2.2644% | 3,022 |
| Noncurrent loans to loans | 1.9393% | 3,719 |
| Net loans and leases to total assets | 68.1687% | 3,919 |
| Net loans and leases to deposits | 83.0529% | 3,817 |
| Net loans and leases to core deposits | 116.0136% | 2,620 |
| Total domestic deposits to total assets | 82.0787% | 4,646 |
| Equity capital to assets | 8.3619% | 6,427 |
| Core capital (leverage) ratio | 8.2565% | 5,909 |
| Tier 1 risk-based capital ratio | 10.6703% | 6,274 |
| Total risk-based capital ratio | 11.9205% | 6,254 |
| Memoranda: | ||
| Average total assets | $383,835,250 | 1,793 |
| Average earning assets | $358,919,500 | 1,759 |
| Average equity | $31,593,250 | 2,139 |
| Average total loans | $271,208,250 | 1,789 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7412% | 3,337 |
| Cost of funding earning assets | 2.6504% | 1,161 |
| Net interest margin | 3.0908% | 6,276 |
| Noninterest income to average assets | -0.0264% | 7,993 |
| Noninterest expense to average assets | 2.1875% | 7,088 |
| Loan and lease loss provision to assets | 0.5468% | 2,834 |
| Net operating income to assets | 0.1190% | 5,506 |
| Return on assets (ROA) | 0.2586% | 5,154 |
| Pretax return on assets | 0.2586% | 5,307 |
| Return on Equity (ROE) | 3.1592% | 4,841 |
| Retained earnings to average equity (ytd only) | -1.4859% | 5,613 |
| Net charge-offs to loans | 0.6283% | 2,466 |
| Credit loss provision to net charge-offs | 122.2222% | 3,804 |
| Earnings coverage of net charge-offs (x) | 1.4882% | 4,417 |
| Efficiency ratio | 76.6679% | 3,571 |
| Assets per employee ($millions) | 6.3608% | 1,026 |
| Cash dividends to net income (ytd only)* | 147.0348% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 4,504 |
| Loan loss allowance to noncurrent loans | 102.1858% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 1.8152% | 3,456 |
| Noncurrent loans to loans | 1.2377% | 4,737 |
| Net loans and leases to total assets | 67.7212% | 4,203 |
| Net loans and leases to deposits | 80.7389% | 4,431 |
| Net loans and leases to core deposits | 108.6592% | 3,535 |
| Total domestic deposits to total assets | 83.8768% | 3,832 |
| Equity capital to assets | 8.1919% | 6,503 |
| Core capital (leverage) ratio | 8.4897% | 5,470 |
| Tier 1 risk-based capital ratio | 10.8231% | 6,054 |
| Total risk-based capital ratio | 11.9686% | 6,110 |
| Memoranda: | ||
| Average total assets | $378,233,670 | 1,837 |
| Average earning assets | $352,398,670 | 1,807 |
| Average equity | $30,957,330 | 2,187 |
| Average total loans | $269,311,330 | 1,828 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7984% | 3,315 |
| Cost of funding earning assets | 2.8461% | 873 |
| Net interest margin | 2.9523% | 6,605 |
| Noninterest income to average assets | -0.1414% | 8,148 |
| Noninterest expense to average assets | 2.1021% | 7,110 |
| Loan and lease loss provision to assets | 0.4264% | 2,791 |
| Net operating income to assets | 0.0696% | 6,069 |
| Return on assets (ROA) | 0.0589% | 6,257 |
| Pretax return on assets | 0.0589% | 6,261 |
| Return on Equity (ROE) | 0.7203% | 6,215 |
| Retained earnings to average equity (ytd only) | -8.6958% | 6,984 |
| Net charge-offs to loans | 0.4356% | 2,368 |
| Credit loss provision to net charge-offs | 134.9153% | 3,003 |
| Earnings coverage of net charge-offs (x) | 1.5695% | 3,943 |
| Efficiency ratio | 80.9072% | 2,687 |
| Assets per employee ($millions) | 6.1222% | 1,128 |
| Cash dividends to net income (ytd only)* | 1,307.2727% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 4,569 |
| Loan loss allowance to noncurrent loans | 51.1697% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 2.1037% | 2,743 |
| Noncurrent loans to loans | 2.4083% | 2,740 |
| Net loans and leases to total assets | 69.2785% | 3,851 |
| Net loans and leases to deposits | 80.5863% | 4,526 |
| Net loans and leases to core deposits | 105.0981% | 4,016 |
| Total domestic deposits to total assets | 85.9681% | 2,744 |
| Equity capital to assets | 8.1978% | 6,540 |
| Core capital (leverage) ratio | 8.3465% | 5,821 |
| Tier 1 risk-based capital ratio | 10.5211% | 6,376 |
| Total risk-based capital ratio | 11.6516% | 6,402 |
| Memoranda: | ||
| Average total assets | $373,347,000 | 1,868 |
| Average earning assets | $346,441,500 | 1,845 |
| Average equity | $30,543,500 | 2,226 |
| Average total loans | $270,902,500 | 1,828 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4603% | 3,157 |
| Cost of funding earning assets | 3.1245% | 1,438 |
| Net interest margin | 3.3358% | 5,916 |
| Noninterest income to average assets | 0.1367% | 7,421 |
| Noninterest expense to average assets | 2.0807% | 7,275 |
| Loan and lease loss provision to assets | 0.6922% | 2,114 |
| Net operating income to assets | 0.4924% | 4,773 |
| Return on assets (ROA) | 0.5013% | 4,572 |
| Pretax return on assets | 0.5013% | 4,971 |
| Return on Equity (ROE) | 6.3445% | 3,814 |
| Retained earnings to average equity (ytd only) | 0.0145% | 5,230 |
| Net charge-offs to loans | 0.8225% | 1,522 |
| Credit loss provision to net charge-offs | 110.7996% | 4,870 |
| Earnings coverage of net charge-offs (x) | 1.8961% | 5,118 |
| Efficiency ratio | 63.7211% | 5,623 |
| Assets per employee ($millions) | 6.0183% | 1,124 |
| Cash dividends to net income (ytd only)* | 99.7709% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 4,896 |
| Loan loss allowance to noncurrent loans | 54.3062% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 2.4270% | 2,003 |
| Noncurrent loans to loans | 2.1237% | 2,596 |
| Net loans and leases to total assets | 74.1945% | 3,062 |
| Net loans and leases to deposits | 86.1232% | 4,104 |
| Net loans and leases to core deposits | 116.8727% | 3,016 |
| Total domestic deposits to total assets | 86.1493% | 2,336 |
| Equity capital to assets | 8.1636% | 6,610 |
| Core capital (leverage) ratio | 8.6164% | 5,348 |
| Tier 1 risk-based capital ratio | 9.9587% | 6,784 |
| Total risk-based capital ratio | 11.0167% | 6,891 |
| Memoranda: | ||
| Average total assets | $348,288,200 | 1,910 |
| Average earning assets | $326,673,000 | 1,869 |
| Average equity | $27,519,800 | 2,434 |
| Average total loans | $264,545,200 | 1,805 |