Home > State Bank of Arizona > Performance and Condition Ratios
State Bank of Arizona, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4808% | 3,010 |
| Cost of funding earning assets | 0.4827% | 4,164 |
| Net interest margin | 3.9981% | 1,866 |
| Noninterest income to average assets | 0.9017% | 1,175 |
| Noninterest expense to average assets | 2.9288% | 2,214 |
| Loan and lease loss provision to assets | 0.0989% | 2,071 |
| Net operating income to assets | 1.2194% | 1,982 |
| Return on assets (ROA) | 1.2194% | 2,073 |
| Pretax return on assets | 1.5590% | 1,619 |
| Return on Equity (ROE) | 10.7556% | 1,986 |
| Retained earnings to average equity (ytd only) | 6.4392% | 1,643 |
| Net charge-offs to loans | -0.0746% | 4,900 |
| Credit loss provision to net charge-offs | -213.1410% | 4,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8778% | 3,234 |
| Assets per employee ($millions) | 5.7914% | 1,798 |
| Cash dividends to net income (ytd only)* | 40.1317% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 2,992 |
| Loan loss allowance to noncurrent loans | 271.7035% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 3,204 |
| Noncurrent loans to loans | 0.4023% | 3,002 |
| Net loans and leases to total assets | 64.1151% | 3,184 |
| Net loans and leases to deposits | 74.0305% | 3,350 |
| Net loans and leases to core deposits | 77.1767% | 3,502 |
| Total domestic deposits to total assets | 86.6063% | 1,801 |
| Equity capital to assets | 11.8064% | 2,276 |
| Core capital (leverage) ratio | 10.8073% | 2,671 |
| Tier 1 risk-based capital ratio | 13.9971% | 3,277 |
| Total risk-based capital ratio | 14.9409% | 3,321 |
| Memoranda: | ||
| Average total assets | $672,288,400 | 1,117 |
| Average earning assets | $619,644,600 | 1,111 |
| Average equity | $76,220,800 | 1,129 |
| Average total loans | $418,491,800 | 1,221 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4984% | 3,066 |
| Cost of funding earning assets | 0.5043% | 4,123 |
| Net interest margin | 3.9941% | 1,960 |
| Noninterest income to average assets | 0.8147% | 1,379 |
| Noninterest expense to average assets | 2.7393% | 2,754 |
| Loan and lease loss provision to assets | 0.0696% | 2,486 |
| Net operating income to assets | 1.3385% | 1,684 |
| Return on assets (ROA) | 1.3385% | 1,760 |
| Pretax return on assets | 1.6875% | 1,373 |
| Return on Equity (ROE) | 11.9309% | 1,644 |
| Retained earnings to average equity (ytd only) | 7.5206% | 1,608 |
| Net charge-offs to loans | -0.1200% | 5,023 |
| Credit loss provision to net charge-offs | -94.0860% | 4,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9240% | 3,661 |
| Assets per employee ($millions) | 5.6402% | 1,897 |
| Cash dividends to net income (ytd only)* | 36.9656% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,021 |
| Loan loss allowance to noncurrent loans | 221.6480% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 3,114 |
| Noncurrent loans to loans | 0.4970% | 2,805 |
| Net loans and leases to total assets | 60.3019% | 3,652 |
| Net loans and leases to deposits | 69.5328% | 3,796 |
| Net loans and leases to core deposits | 72.5067% | 3,916 |
| Total domestic deposits to total assets | 86.7245% | 1,668 |
| Equity capital to assets | 11.7010% | 2,503 |
| Core capital (leverage) ratio | 10.6550% | 2,971 |
| Tier 1 risk-based capital ratio | 14.4410% | 3,110 |
| Total risk-based capital ratio | 15.3742% | 3,174 |
| Memoranda: | ||
| Average total assets | $670,963,250 | 1,111 |
| Average earning assets | $618,459,250 | 1,112 |
| Average equity | $75,276,250 | 1,139 |
| Average total loans | $413,305,250 | 1,241 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5079% | 2,988 |
| Cost of funding earning assets | 0.5100% | 4,072 |
| Net interest margin | 3.9979% | 1,927 |
| Noninterest income to average assets | 0.7542% | 1,503 |
| Noninterest expense to average assets | 2.7124% | 2,867 |
| Loan and lease loss provision to assets | 0.1046% | 1,786 |
| Net operating income to assets | 1.2729% | 1,871 |
| Return on assets (ROA) | 1.2729% | 1,936 |
| Pretax return on assets | 1.6236% | 1,473 |
| Return on Equity (ROE) | 11.5128% | 1,777 |
| Retained earnings to average equity (ytd only) | 6.9974% | 1,811 |
| Net charge-offs to loans | -0.1799% | 5,117 |
| Credit loss provision to net charge-offs | -94.0860% | 3,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0646% | 3,721 |
| Assets per employee ($millions) | 5.6543% | 1,822 |
| Cash dividends to net income (ytd only)* | 39.2203% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 3,071 |
| Loan loss allowance to noncurrent loans | 188.2402% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.3559% | 3,112 |
| Noncurrent loans to loans | 0.5838% | 2,510 |
| Net loans and leases to total assets | 60.2923% | 3,705 |
| Net loans and leases to deposits | 69.0836% | 3,906 |
| Net loans and leases to core deposits | 71.7767% | 4,018 |
| Total domestic deposits to total assets | 87.2745% | 1,453 |
| Equity capital to assets | 11.3606% | 2,735 |
| Core capital (leverage) ratio | 10.3980% | 3,192 |
| Tier 1 risk-based capital ratio | 13.9126% | 3,363 |
| Total risk-based capital ratio | 14.8346% | 3,431 |
| Memoranda: | ||
| Average total assets | $669,009,670 | 1,113 |
| Average earning assets | $616,867,670 | 1,114 |
| Average equity | $73,970,000 | 1,153 |
| Average total loans | $413,512,330 | 1,246 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5120% | 2,824 |
| Cost of funding earning assets | 0.4759% | 4,179 |
| Net interest margin | 4.0361% | 1,728 |
| Noninterest income to average assets | 0.7250% | 1,530 |
| Noninterest expense to average assets | 2.7977% | 2,576 |
| Loan and lease loss provision to assets | 0.1807% | 917 |
| Net operating income to assets | 1.1520% | 2,254 |
| Return on assets (ROA) | 1.1520% | 2,306 |
| Pretax return on assets | 1.4645% | 1,878 |
| Return on Equity (ROE) | 10.5671% | 2,135 |
| Retained earnings to average equity (ytd only) | 5.8718% | 2,508 |
| Net charge-offs to loans | -0.0145% | 4,367 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9545% | 3,540 |
| Assets per employee ($millions) | 5.5184% | 1,966 |
| Cash dividends to net income (ytd only)* | 44.4328% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 3,761 |
| Loan loss allowance to noncurrent loans | 317.8955% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 3,750 |
| Noncurrent loans to loans | 0.3120% | 3,448 |
| Net loans and leases to total assets | 61.3631% | 3,562 |
| Net loans and leases to deposits | 70.5105% | 3,734 |
| Net loans and leases to core deposits | 73.7093% | 3,812 |
| Total domestic deposits to total assets | 87.0270% | 1,800 |
| Equity capital to assets | 10.9333% | 2,917 |
| Core capital (leverage) ratio | 10.3873% | 3,177 |
| Tier 1 risk-based capital ratio | 13.4870% | 3,608 |
| Total risk-based capital ratio | 14.3221% | 3,752 |
| Memoranda: | ||
| Average total assets | $664,259,000 | 1,125 |
| Average earning assets | $611,876,000 | 1,125 |
| Average equity | $72,413,500 | 1,175 |
| Average total loans | $413,450,500 | 1,250 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2989% | 3,114 |
| Cost of funding earning assets | 0.2159% | 4,942 |
| Net interest margin | 4.0830% | 1,739 |
| Noninterest income to average assets | 0.8506% | 1,307 |
| Noninterest expense to average assets | 2.7793% | 2,755 |
| Loan and lease loss provision to assets | 0.0768% | 2,593 |
| Net operating income to assets | 1.3854% | 1,479 |
| Return on assets (ROA) | 1.4039% | 1,409 |
| Pretax return on assets | 1.7811% | 970 |
| Return on Equity (ROE) | 13.2905% | 1,239 |
| Retained earnings to average equity (ytd only) | 9.5818% | 714 |
| Net charge-offs to loans | -0.0075% | 4,426 |
| Credit loss provision to net charge-offs | -1,750.0000% | 4,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0585% | 4,003 |
| Assets per employee ($millions) | 5.2845% | 2,168 |
| Cash dividends to net income (ytd only)* | 27.9049% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9335% | 4,027 |
| Loan loss allowance to noncurrent loans | 274.9101% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 3,576 |
| Noncurrent loans to loans | 0.3396% | 3,329 |
| Net loans and leases to total assets | 61.9305% | 3,574 |
| Net loans and leases to deposits | 72.7306% | 3,606 |
| Net loans and leases to core deposits | 73.8287% | 3,864 |
| Total domestic deposits to total assets | 85.1505% | 2,589 |
| Equity capital to assets | 10.8686% | 2,827 |
| Core capital (leverage) ratio | 10.4212% | 3,118 |
| Tier 1 risk-based capital ratio | 13.1826% | 3,736 |
| Total risk-based capital ratio | 13.9358% | 3,908 |
| Memoranda: | ||
| Average total assets | $638,135,000 | 1,141 |
| Average earning assets | $588,152,000 | 1,141 |
| Average equity | $67,408,800 | 1,199 |
| Average total loans | $375,007,800 | 1,323 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2658% | 3,089 |
| Cost of funding earning assets | 0.1879% | 5,061 |
| Net interest margin | 4.0780% | 1,700 |
| Noninterest income to average assets | 0.8227% | 1,403 |
| Noninterest expense to average assets | 2.7499% | 2,814 |
| Loan and lease loss provision to assets | 0.0743% | 2,472 |
| Net operating income to assets | 1.3596% | 1,623 |
| Return on assets (ROA) | 1.3845% | 1,543 |
| Pretax return on assets | 1.7882% | 1,036 |
| Return on Equity (ROE) | 13.2053% | 1,355 |
| Retained earnings to average equity (ytd only) | 9.5940% | 1,027 |
| Net charge-offs to loans | -0.0284% | 4,728 |
| Credit loss provision to net charge-offs | -452.5641% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8327% | 3,986 |
| Assets per employee ($millions) | 5.3132% | 2,106 |
| Cash dividends to net income (ytd only)* | 27.3473% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 3,946 |
| Loan loss allowance to noncurrent loans | 568.6454% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 4,231 |
| Noncurrent loans to loans | 0.1704% | 4,126 |
| Net loans and leases to total assets | 59.3797% | 3,911 |
| Net loans and leases to deposits | 68.0396% | 4,060 |
| Net loans and leases to core deposits | 68.9670% | 4,249 |
| Total domestic deposits to total assets | 87.2722% | 1,613 |
| Equity capital to assets | 10.5680% | 3,076 |
| Core capital (leverage) ratio | 10.2284% | 3,368 |
| Tier 1 risk-based capital ratio | 13.4882% | 3,634 |
| Total risk-based capital ratio | 14.2619% | 3,810 |
| Memoranda: | ||
| Average total assets | $633,850,000 | 1,151 |
| Average earning assets | $584,129,750 | 1,147 |
| Average equity | $66,456,250 | 1,210 |
| Average total loans | $366,350,000 | 1,344 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 3,267 |
| Cost of funding earning assets | 0.1716% | 5,145 |
| Net interest margin | 3.9807% | 1,922 |
| Noninterest income to average assets | 0.8671% | 1,277 |
| Noninterest expense to average assets | 2.7446% | 2,861 |
| Loan and lease loss provision to assets | 0.0612% | 2,678 |
| Net operating income to assets | 1.3233% | 1,689 |
| Return on assets (ROA) | 1.3233% | 1,689 |
| Pretax return on assets | 1.7323% | 1,134 |
| Return on Equity (ROE) | 12.6560% | 1,491 |
| Retained earnings to average equity (ytd only) | 9.3207% | 1,119 |
| Net charge-offs to loans | -0.0822% | 5,093 |
| Credit loss provision to net charge-offs | -130.4054% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2637% | 4,044 |
| Assets per employee ($millions) | 5.2592% | 2,141 |
| Cash dividends to net income (ytd only)* | 26.3536% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 3,888 |
| Loan loss allowance to noncurrent loans | 152.6580% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 2,988 |
| Noncurrent loans to loans | 0.6507% | 2,483 |
| Net loans and leases to total assets | 56.6503% | 4,109 |
| Net loans and leases to deposits | 64.6748% | 4,236 |
| Net loans and leases to core deposits | 65.3468% | 4,405 |
| Total domestic deposits to total assets | 87.5926% | 1,594 |
| Equity capital to assets | 10.4034% | 3,207 |
| Core capital (leverage) ratio | 9.9909% | 3,589 |
| Tier 1 risk-based capital ratio | 13.8322% | 3,445 |
| Total risk-based capital ratio | 14.6302% | 3,609 |
| Memoranda: | ||
| Average total assets | $630,832,670 | 1,153 |
| Average earning assets | $581,754,000 | 1,154 |
| Average equity | $65,961,000 | 1,221 |
| Average total loans | $359,970,330 | 1,362 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0455% | 3,441 |
| Cost of funding earning assets | 0.1519% | 5,256 |
| Net interest margin | 3.8935% | 2,069 |
| Noninterest income to average assets | 0.8615% | 1,261 |
| Noninterest expense to average assets | 2.7999% | 2,690 |
| Loan and lease loss provision to assets | 0.0224% | 3,238 |
| Net operating income to assets | 1.2452% | 1,832 |
| Return on assets (ROA) | 1.2452% | 1,842 |
| Pretax return on assets | 1.6283% | 1,302 |
| Return on Equity (ROE) | 11.8780% | 1,623 |
| Retained earnings to average equity (ytd only) | 8.5226% | 1,655 |
| Net charge-offs to loans | -0.0168% | 4,470 |
| Credit loss provision to net charge-offs | -233.3333% | 3,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6612% | 3,846 |
| Assets per employee ($millions) | 5.3414% | 2,100 |
| Cash dividends to net income (ytd only)* | 28.2486% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9285% | 4,314 |
| Loan loss allowance to noncurrent loans | 55.1158% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.0500% | 1,490 |
| Noncurrent loans to loans | 1.6847% | 1,014 |
| Net loans and leases to total assets | 56.8123% | 4,046 |
| Net loans and leases to deposits | 64.0981% | 4,204 |
| Net loans and leases to core deposits | 65.5326% | 4,341 |
| Total domestic deposits to total assets | 88.6334% | 1,293 |
| Equity capital to assets | 10.3834% | 3,185 |
| Core capital (leverage) ratio | 9.9099% | 3,629 |
| Tier 1 risk-based capital ratio | 13.9847% | 3,386 |
| Total risk-based capital ratio | 14.7488% | 3,566 |
| Memoranda: | ||
| Average total assets | $625,440,500 | 1,174 |
| Average earning assets | $576,547,500 | 1,177 |
| Average equity | $65,566,500 | 1,231 |
| Average total loans | $356,393,000 | 1,377 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 3,054 |
| Cost of funding earning assets | 0.1339% | 5,353 |
| Net interest margin | 3.9669% | 1,857 |
| Noninterest income to average assets | 0.7583% | 1,744 |
| Noninterest expense to average assets | 2.7283% | 3,035 |
| Loan and lease loss provision to assets | -0.0479% | 5,391 |
| Net operating income to assets | 1.0868% | 1,898 |
| Return on assets (ROA) | 1.0868% | 1,925 |
| Pretax return on assets | 1.7114% | 977 |
| Return on Equity (ROE) | 10.3601% | 1,747 |
| Retained earnings to average equity (ytd only) | 8.2358% | 683 |
| Net charge-offs to loans | -0.1578% | 5,476 |
| Credit loss provision to net charge-offs | 53.9033% | 3,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4713% | 4,188 |
| Assets per employee ($millions) | 5.4438% | 1,991 |
| Cash dividends to net income (ytd only)* | 20.5043% | 3,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9409% | 4,269 |
| Loan loss allowance to noncurrent loans | 53.1597% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.1134% | 1,352 |
| Noncurrent loans to loans | 1.7700% | 906 |
| Net loans and leases to total assets | 56.0823% | 4,181 |
| Net loans and leases to deposits | 63.3171% | 4,361 |
| Net loans and leases to core deposits | 64.9641% | 4,475 |
| Total domestic deposits to total assets | 88.5737% | 1,209 |
| Equity capital to assets | 10.5847% | 3,069 |
| Core capital (leverage) ratio | 9.7304% | 3,772 |
| Tier 1 risk-based capital ratio | 14.0279% | 3,346 |
| Total risk-based capital ratio | 14.7974% | 3,511 |
| Memoranda: | ||
| Average total assets | $605,805,000 | 1,183 |
| Average earning assets | $554,896,000 | 1,198 |
| Average equity | $63,551,600 | 1,247 |
| Average total loans | $340,838,800 | 1,406 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0871% | 3,028 |
| Cost of funding earning assets | 0.1339% | 5,408 |
| Net interest margin | 3.9532% | 1,852 |
| Noninterest income to average assets | 0.7471% | 1,798 |
| Noninterest expense to average assets | 2.7534% | 2,881 |
| Loan and lease loss provision to assets | -0.0864% | 5,572 |
| Net operating income to assets | 1.1017% | 2,086 |
| Return on assets (ROA) | 1.1017% | 2,136 |
| Pretax return on assets | 1.6964% | 1,136 |
| Return on Equity (ROE) | 10.5259% | 1,894 |
| Retained earnings to average equity (ytd only) | 8.7275% | 934 |
| Net charge-offs to loans | -0.1435% | 5,467 |
| Credit loss provision to net charge-offs | 107.1429% | 2,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4311% | 3,967 |
| Assets per employee ($millions) | 5.4016% | 2,018 |
| Cash dividends to net income (ytd only)* | 17.0855% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8675% | 4,700 |
| Loan loss allowance to noncurrent loans | 122.7034% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 3,123 |
| Noncurrent loans to loans | 0.7070% | 2,592 |
| Net loans and leases to total assets | 54.8206% | 4,336 |
| Net loans and leases to deposits | 61.7352% | 4,535 |
| Net loans and leases to core deposits | 63.3728% | 4,633 |
| Total domestic deposits to total assets | 88.7996% | 972 |
| Equity capital to assets | 10.3444% | 3,541 |
| Core capital (leverage) ratio | 9.6432% | 3,994 |
| Tier 1 risk-based capital ratio | 13.9091% | 3,489 |
| Total risk-based capital ratio | 14.6274% | 3,693 |
| Memoranda: | ||
| Average total assets | $602,107,500 | 1,200 |
| Average earning assets | $550,795,250 | 1,212 |
| Average equity | $63,017,500 | 1,262 |
| Average total loans | $338,211,000 | 1,424 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 2,960 |
| Cost of funding earning assets | 0.1363% | 5,411 |
| Net interest margin | 3.9284% | 1,842 |
| Noninterest income to average assets | 0.6775% | 2,088 |
| Noninterest expense to average assets | 2.8057% | 2,736 |
| Loan and lease loss provision to assets | -0.1486% | 5,682 |
| Net operating income to assets | 1.0315% | 2,288 |
| Return on assets (ROA) | 1.0315% | 2,328 |
| Pretax return on assets | 1.6030% | 1,337 |
| Return on Equity (ROE) | 9.8149% | 2,117 |
| Retained earnings to average equity (ytd only) | 8.2080% | 1,081 |
| Net charge-offs to loans | -0.2290% | 5,600 |
| Credit loss provision to net charge-offs | 114.8825% | 1,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1243% | 3,648 |
| Assets per employee ($millions) | 4.7508% | 2,721 |
| Cash dividends to net income (ytd only)* | 16.3720% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 4,696 |
| Loan loss allowance to noncurrent loans | 102.6334% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.6232% | 2,700 |
| Noncurrent loans to loans | 0.8633% | 2,255 |
| Net loans and leases to total assets | 55.6394% | 4,256 |
| Net loans and leases to deposits | 62.8377% | 4,441 |
| Net loans and leases to core deposits | 64.7340% | 4,556 |
| Total domestic deposits to total assets | 88.5446% | 1,181 |
| Equity capital to assets | 10.6049% | 3,221 |
| Core capital (leverage) ratio | 9.6460% | 3,963 |
| Tier 1 risk-based capital ratio | 13.5583% | 3,668 |
| Total risk-based capital ratio | 14.2717% | 3,897 |
| Memoranda: | ||
| Average total assets | $592,147,670 | 1,218 |
| Average earning assets | $540,019,330 | 1,234 |
| Average equity | $62,231,670 | 1,279 |
| Average total loans | $334,451,000 | 1,437 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0664% | 2,783 |
| Cost of funding earning assets | 0.1419% | 5,424 |
| Net interest margin | 3.9245% | 1,697 |
| Noninterest income to average assets | 0.7958% | 1,568 |
| Noninterest expense to average assets | 2.7694% | 2,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0250% | 2,197 |
| Return on assets (ROA) | 1.0250% | 2,251 |
| Pretax return on assets | 1.5917% | 1,259 |
| Return on Equity (ROE) | 9.7987% | 2,059 |
| Retained earnings to average equity (ytd only) | 7.8429% | 1,525 |
| Net charge-offs to loans | 0.0867% | 1,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 32.4167% | 1,172 |
| Efficiency ratio | 61.7826% | 4,184 |
| Assets per employee ($millions) | 4.6463% | 2,929 |
| Cash dividends to net income (ytd only)* | 19.9601% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8898% | 4,798 |
| Loan loss allowance to noncurrent loans | 159.5938% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.8697% | 2,130 |
| Noncurrent loans to loans | 0.5576% | 3,131 |
| Net loans and leases to total assets | 56.3624% | 4,130 |
| Net loans and leases to deposits | 63.6323% | 4,330 |
| Net loans and leases to core deposits | 65.3965% | 4,468 |
| Total domestic deposits to total assets | 88.5752% | 1,386 |
| Equity capital to assets | 10.5148% | 3,169 |
| Core capital (leverage) ratio | 9.6273% | 3,959 |
| Tier 1 risk-based capital ratio | 13.2351% | 3,921 |
| Total risk-based capital ratio | 13.9475% | 4,164 |
| Memoranda: | ||
| Average total assets | $586,546,000 | 1,227 |
| Average earning assets | $532,854,000 | 1,246 |
| Average equity | $61,355,000 | 1,296 |
| Average total loans | $332,325,500 | 1,450 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 2,386 |
| Cost of funding earning assets | 0.1840% | 5,170 |
| Net interest margin | 4.0460% | 1,507 |
| Noninterest income to average assets | 0.7894% | 1,789 |
| Noninterest expense to average assets | 2.9869% | 2,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9203% | 2,720 |
| Return on assets (ROA) | 0.9200% | 2,840 |
| Pretax return on assets | 1.4873% | 1,626 |
| Return on Equity (ROE) | 8.5321% | 2,650 |
| Retained earnings to average equity (ytd only) | 5.3603% | 2,096 |
| Net charge-offs to loans | 0.0117% | 3,881 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 210.4839% | 331 |
| Efficiency ratio | 65.7070% | 3,644 |
| Assets per employee ($millions) | 4.8584% | 2,561 |
| Cash dividends to net income (ytd only)* | 37.1747% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9293% | 4,655 |
| Loan loss allowance to noncurrent loans | 162.5731% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 1.0010% | 1,895 |
| Noncurrent loans to loans | 0.5716% | 3,125 |
| Net loans and leases to total assets | 55.9206% | 4,270 |
| Net loans and leases to deposits | 63.0857% | 4,468 |
| Net loans and leases to core deposits | 64.8584% | 4,585 |
| Total domestic deposits to total assets | 88.6422% | 1,302 |
| Equity capital to assets | 10.4053% | 3,264 |
| Core capital (leverage) ratio | 9.4037% | 4,220 |
| Tier 1 risk-based capital ratio | 13.1677% | 3,968 |
| Total risk-based capital ratio | 13.9027% | 4,182 |
| Memoranda: | ||
| Average total assets | $438,588,000 | 1,548 |
| Average earning assets | $399,485,800 | 1,569 |
| Average equity | $47,292,200 | 1,597 |
| Average total loans | $265,556,800 | 1,700 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1874% | 2,554 |
| Cost of funding earning assets | 0.1911% | 5,167 |
| Net interest margin | 3.9963% | 1,664 |
| Noninterest income to average assets | 0.8123% | 1,711 |
| Noninterest expense to average assets | 2.7923% | 3,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0125% | 2,376 |
| Return on assets (ROA) | 1.0120% | 2,511 |
| Pretax return on assets | 1.6626% | 1,218 |
| Return on Equity (ROE) | 9.2680% | 2,374 |
| Retained earnings to average equity (ytd only) | 6.2343% | 2,041 |
| Net charge-offs to loans | 0.0230% | 3,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 116.7713% | 585 |
| Efficiency ratio | 62.0595% | 4,220 |
| Assets per employee ($millions) | 5.2632% | 2,081 |
| Cash dividends to net income (ytd only)* | 32.7332% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 4,835 |
| Loan loss allowance to noncurrent loans | 131.2365% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.1198% | 1,808 |
| Noncurrent loans to loans | 0.6924% | 2,954 |
| Net loans and leases to total assets | 55.3576% | 4,374 |
| Net loans and leases to deposits | 62.3173% | 4,608 |
| Net loans and leases to core deposits | 63.9786% | 4,727 |
| Total domestic deposits to total assets | 88.8318% | 995 |
| Equity capital to assets | 10.2537% | 3,854 |
| Core capital (leverage) ratio | 10.5536% | 2,934 |
| Tier 1 risk-based capital ratio | 12.9463% | 4,194 |
| Total risk-based capital ratio | 13.6698% | 4,424 |
| Memoranda: | ||
| Average total assets | $402,482,750 | 1,677 |
| Average earning assets | $366,928,750 | 1,701 |
| Average equity | $43,949,250 | 1,700 |
| Average total loans | $249,676,000 | 1,795 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2136% | 2,470 |
| Cost of funding earning assets | 0.2111% | 5,029 |
| Net interest margin | 4.0025% | 1,638 |
| Noninterest income to average assets | 0.9054% | 1,360 |
| Noninterest expense to average assets | 2.8523% | 2,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0991% | 1,959 |
| Return on assets (ROA) | 1.0991% | 2,083 |
| Pretax return on assets | 1.7021% | 1,084 |
| Return on Equity (ROE) | 9.7135% | 2,175 |
| Retained earnings to average equity (ytd only) | 4.4630% | 3,074 |
| Net charge-offs to loans | -0.0127% | 4,773 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6272% | 4,245 |
| Assets per employee ($millions) | 4.6191% | 2,839 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 2,294 |
| Loan loss allowance to noncurrent loans | 115.6541% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.9403% | 852 |
| Noncurrent loans to loans | 1.2106% | 1,903 |
| Net loans and leases to total assets | 63.0786% | 3,489 |
| Net loans and leases to deposits | 72.1286% | 3,774 |
| Net loans and leases to core deposits | 74.9374% | 3,913 |
| Total domestic deposits to total assets | 87.4530% | 1,687 |
| Equity capital to assets | 11.1851% | 2,860 |
| Core capital (leverage) ratio | 11.0833% | 2,345 |
| Tier 1 risk-based capital ratio | 14.6226% | 3,239 |
| Total risk-based capital ratio | 15.8093% | 3,218 |
| Memoranda: | ||
| Average total assets | $336,641,000 | 1,981 |
| Average earning assets | $306,911,330 | 2,009 |
| Average equity | $38,091,330 | 1,936 |
| Average total loans | $221,169,330 | 1,973 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 2,290 |
| Cost of funding earning assets | 0.2071% | 5,137 |
| Net interest margin | 4.0469% | 1,488 |
| Noninterest income to average assets | 0.6933% | 2,071 |
| Noninterest expense to average assets | 3.0071% | 2,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9055% | 2,727 |
| Return on assets (ROA) | 0.9055% | 2,851 |
| Pretax return on assets | 1.3613% | 2,037 |
| Return on Equity (ROE) | 7.9550% | 2,941 |
| Retained earnings to average equity (ytd only) | 2.6587% | 4,183 |
| Net charge-offs to loans | -0.0163% | 4,759 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8380% | 3,320 |
| Assets per employee ($millions) | 4.6969% | 2,750 |
| Cash dividends to net income (ytd only)* | 66.5779% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4020% | 2,413 |
| Loan loss allowance to noncurrent loans | 138.9686% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 1.8407% | 995 |
| Noncurrent loans to loans | 1.0088% | 2,363 |
| Net loans and leases to total assets | 64.4472% | 3,177 |
| Net loans and leases to deposits | 73.5872% | 3,489 |
| Net loans and leases to core deposits | 76.2887% | 3,651 |
| Total domestic deposits to total assets | 87.5794% | 1,875 |
| Equity capital to assets | 11.2316% | 2,702 |
| Core capital (leverage) ratio | 11.5136% | 1,962 |
| Tier 1 risk-based capital ratio | 14.6193% | 3,334 |
| Total risk-based capital ratio | 15.8231% | 3,293 |
| Memoranda: | ||
| Average total assets | $331,745,000 | 2,013 |
| Average earning assets | $301,265,500 | 2,053 |
| Average equity | $37,762,500 | 1,949 |
| Average total loans | $220,940,000 | 1,975 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4295% | 1,804 |
| Cost of funding earning assets | 0.1995% | 5,290 |
| Net interest margin | 4.2300% | 1,101 |
| Noninterest income to average assets | 1.1985% | 834 |
| Noninterest expense to average assets | 3.1006% | 2,236 |
| Loan and lease loss provision to assets | 0.2707% | 677 |
| Net operating income to assets | 1.0756% | 2,024 |
| Return on assets (ROA) | 1.0737% | 2,100 |
| Pretax return on assets | 1.6057% | 1,231 |
| Return on Equity (ROE) | 9.6946% | 2,134 |
| Retained earnings to average equity (ytd only) | 6.2421% | 1,681 |
| Net charge-offs to loans | 0.3376% | 879 |
| Credit loss provision to net charge-offs | 118.0000% | 2,183 |
| Earnings coverage of net charge-offs (x) | 8.1907% | 2,987 |
| Efficiency ratio | 62.2643% | 4,558 |
| Assets per employee ($millions) | 4.2248% | 3,530 |
| Cash dividends to net income (ytd only)* | 35.6125% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 2,425 |
| Loan loss allowance to noncurrent loans | 143.4076% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.9677% | 905 |
| Noncurrent loans to loans | 0.9754% | 2,384 |
| Net loans and leases to total assets | 66.9344% | 2,859 |
| Net loans and leases to deposits | 76.9281% | 3,165 |
| Net loans and leases to core deposits | 79.8557% | 3,366 |
| Total domestic deposits to total assets | 87.0090% | 2,130 |
| Equity capital to assets | 11.5403% | 2,327 |
| Core capital (leverage) ratio | 11.6063% | 1,888 |
| Tier 1 risk-based capital ratio | 14.6782% | 3,337 |
| Total risk-based capital ratio | 15.8892% | 3,285 |
| Memoranda: | ||
| Average total assets | $326,904,800 | 2,014 |
| Average earning assets | $292,222,000 | 2,064 |
| Average equity | $36,205,600 | 1,970 |
| Average total loans | $222,165,400 | 1,911 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4292% | 1,811 |
| Cost of funding earning assets | 0.1969% | 5,404 |
| Net interest margin | 4.2322% | 1,101 |
| Noninterest income to average assets | 1.2897% | 721 |
| Noninterest expense to average assets | 3.0943% | 2,236 |
| Loan and lease loss provision to assets | 0.3605% | 368 |
| Net operating income to assets | 1.0534% | 2,200 |
| Return on assets (ROA) | 1.0510% | 2,309 |
| Pretax return on assets | 1.6042% | 1,371 |
| Return on Equity (ROE) | 9.5895% | 2,273 |
| Retained earnings to average equity (ytd only) | 4.9435% | 2,952 |
| Net charge-offs to loans | 0.4890% | 493 |
| Credit loss provision to net charge-offs | 108.4559% | 2,131 |
| Earnings coverage of net charge-offs (x) | 5.9216% | 3,131 |
| Efficiency ratio | 61.1201% | 4,707 |
| Assets per employee ($millions) | 4.2773% | 3,364 |
| Cash dividends to net income (ytd only)* | 48.4498% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 2,741 |
| Loan loss allowance to noncurrent loans | 66.1707% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 3.2949% | 416 |
| Noncurrent loans to loans | 2.0700% | 1,109 |
| Net loans and leases to total assets | 66.9839% | 2,852 |
| Net loans and leases to deposits | 76.8496% | 3,215 |
| Net loans and leases to core deposits | 79.5342% | 3,459 |
| Total domestic deposits to total assets | 87.1623% | 1,952 |
| Equity capital to assets | 11.3291% | 2,668 |
| Core capital (leverage) ratio | 10.8295% | 2,670 |
| Tier 1 risk-based capital ratio | 14.0978% | 3,795 |
| Total risk-based capital ratio | 15.2655% | 3,781 |
| Memoranda: | ||
| Average total assets | $327,303,250 | 2,024 |
| Average earning assets | $291,785,000 | 2,081 |
| Average equity | $35,871,500 | 1,996 |
| Average total loans | $222,498,250 | 1,916 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3100% | 2,139 |
| Cost of funding earning assets | 0.1893% | 5,533 |
| Net interest margin | 4.1207% | 1,301 |
| Noninterest income to average assets | 1.1456% | 914 |
| Noninterest expense to average assets | 3.1398% | 2,144 |
| Loan and lease loss provision to assets | 0.2804% | 578 |
| Net operating income to assets | 0.9187% | 2,790 |
| Return on assets (ROA) | 0.9151% | 2,931 |
| Pretax return on assets | 1.3821% | 2,061 |
| Return on Equity (ROE) | 8.4438% | 2,827 |
| Retained earnings to average equity (ytd only) | 2.8184% | 4,252 |
| Net charge-offs to loans | 0.3990% | 653 |
| Credit loss provision to net charge-offs | 103.3708% | 2,008 |
| Earnings coverage of net charge-offs (x) | 6.1483% | 2,817 |
| Efficiency ratio | 65.3056% | 4,128 |
| Assets per employee ($millions) | 4.1355% | 3,598 |
| Cash dividends to net income (ytd only)* | 66.6223% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 3,626 |
| Loan loss allowance to noncurrent loans | 79.5552% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 3.0748% | 530 |
| Noncurrent loans to loans | 1.5443% | 1,715 |
| Net loans and leases to total assets | 70.3893% | 2,262 |
| Net loans and leases to deposits | 80.0900% | 2,770 |
| Net loans and leases to core deposits | 83.5505% | 3,026 |
| Total domestic deposits to total assets | 87.8877% | 1,705 |
| Equity capital to assets | 10.5612% | 3,377 |
| Core capital (leverage) ratio | 10.7227% | 2,706 |
| Tier 1 risk-based capital ratio | 12.7088% | 4,676 |
| Total risk-based capital ratio | 13.7663% | 4,712 |
| Memoranda: | ||
| Average total assets | $328,046,000 | 2,031 |
| Average earning assets | $291,554,670 | 2,096 |
| Average equity | $35,552,670 | 2,021 |
| Average total loans | $223,073,670 | 1,925 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2162% | 2,391 |
| Cost of funding earning assets | 0.1863% | 5,634 |
| Net interest margin | 4.0299% | 1,465 |
| Noninterest income to average assets | 1.0840% | 963 |
| Noninterest expense to average assets | 3.1999% | 1,987 |
| Loan and lease loss provision to assets | 0.1364% | 1,512 |
| Net operating income to assets | 0.8731% | 2,883 |
| Return on assets (ROA) | 0.8657% | 3,041 |
| Pretax return on assets | 1.3047% | 2,265 |
| Return on Equity (ROE) | 7.8821% | 3,015 |
| Retained earnings to average equity (ytd only) | 7.8821% | 1,611 |
| Net charge-offs to loans | 0.0561% | 2,206 |
| Credit loss provision to net charge-offs | 366.6667% | 710 |
| Earnings coverage of net charge-offs (x) | 39.0333% | 989 |
| Efficiency ratio | 68.7817% | 3,699 |
| Assets per employee ($millions) | 3.8620% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 2,935 |
| Loan loss allowance to noncurrent loans | 47.0826% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 4.2763% | 331 |
| Noncurrent loans to loans | 2.9662% | 744 |
| Net loans and leases to total assets | 65.2541% | 2,887 |
| Net loans and leases to deposits | 74.2561% | 3,276 |
| Net loans and leases to core deposits | 76.9491% | 3,497 |
| Total domestic deposits to total assets | 87.8771% | 1,894 |
| Equity capital to assets | 10.7542% | 3,255 |
| Core capital (leverage) ratio | 10.9219% | 2,494 |
| Tier 1 risk-based capital ratio | 13.3560% | 4,391 |
| Total risk-based capital ratio | 14.5176% | 4,369 |
| Memoranda: | ||
| Average total assets | $322,514,000 | 2,070 |
| Average earning assets | $285,568,000 | 2,135 |
| Average equity | $35,422,000 | 2,040 |
| Average total loans | $213,777,500 | 1,989 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4436% | 2,094 |
| Cost of funding earning assets | 0.2097% | 5,667 |
| Net interest margin | 4.2339% | 1,205 |
| Noninterest income to average assets | 0.5942% | 2,890 |
| Noninterest expense to average assets | 3.1672% | 2,305 |
| Loan and lease loss provision to assets | 0.2293% | 1,061 |
| Net operating income to assets | 1.8096% | 472 |
| Return on assets (ROA) | 1.7957% | 495 |
| Pretax return on assets | 0.8736% | 3,986 |
| Return on Equity (ROE) | 16.4667% | 556 |
| Retained earnings to average equity (ytd only) | 16.4667% | 115 |
| Net charge-offs to loans | 0.6700% | 570 |
| Credit loss provision to net charge-offs | 50.9158% | 3,461 |
| Earnings coverage of net charge-offs (x) | 2.4799% | 4,141 |
| Efficiency ratio | 73.9315% | 2,851 |
| Assets per employee ($millions) | 3.9595% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 2,930 |
| Loan loss allowance to noncurrent loans | 49.7725% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 4.8122% | 299 |
| Noncurrent loans to loans | 2.8220% | 827 |
| Net loans and leases to total assets | 65.4624% | 2,983 |
| Net loans and leases to deposits | 74.6594% | 3,354 |
| Net loans and leases to core deposits | 77.3610% | 3,580 |
| Total domestic deposits to total assets | 87.6814% | 1,936 |
| Equity capital to assets | 11.2203% | 2,677 |
| Core capital (leverage) ratio | 10.3903% | 3,070 |
| Tier 1 risk-based capital ratio | 13.7236% | 4,284 |
| Total risk-based capital ratio | 14.9583% | 4,228 |
| Memoranda: | ||
| Average total assets | $303,111,400 | 2,146 |
| Average earning assets | $264,156,200 | 2,240 |
| Average equity | $33,054,600 | 2,111 |
| Average total loans | $203,727,800 | 2,007 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4789% | 1,950 |
| Cost of funding earning assets | 0.2110% | 5,743 |
| Net interest margin | 4.2679% | 1,116 |
| Noninterest income to average assets | 0.6273% | 2,702 |
| Noninterest expense to average assets | 3.1359% | 2,363 |
| Loan and lease loss provision to assets | 0.2758% | 749 |
| Net operating income to assets | 2.2159% | 230 |
| Return on assets (ROA) | 2.1973% | 244 |
| Pretax return on assets | 0.9049% | 3,961 |
| Return on Equity (ROE) | 20.3039% | 266 |
| Retained earnings to average equity (ytd only) | 20.3039% | 66 |
| Net charge-offs to loans | 0.6928% | 504 |
| Credit loss provision to net charge-offs | 59.0476% | 2,948 |
| Earnings coverage of net charge-offs (x) | 2.5676% | 3,880 |
| Efficiency ratio | 72.3345% | 3,121 |
| Assets per employee ($millions) | 3.9706% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 2,481 |
| Loan loss allowance to noncurrent loans | 53.5469% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 5.4246% | 289 |
| Noncurrent loans to loans | 2.9054% | 933 |
| Net loans and leases to total assets | 63.6072% | 3,246 |
| Net loans and leases to deposits | 72.9438% | 3,573 |
| Net loans and leases to core deposits | 75.1931% | 3,837 |
| Total domestic deposits to total assets | 87.2003% | 2,199 |
| Equity capital to assets | 11.0157% | 2,943 |
| Core capital (leverage) ratio | 10.3399% | 3,233 |
| Tier 1 risk-based capital ratio | 13.4949% | 4,545 |
| Total risk-based capital ratio | 14.7459% | 4,480 |
| Memoranda: | ||
| Average total assets | $299,700,250 | 2,178 |
| Average earning assets | $260,384,500 | 2,287 |
| Average equity | $32,433,000 | 2,147 |
| Average total loans | $202,082,250 | 2,035 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5527% | 1,662 |
| Cost of funding earning assets | 0.2150% | 5,789 |
| Net interest margin | 4.3377% | 957 |
| Noninterest income to average assets | 0.5298% | 3,266 |
| Noninterest expense to average assets | 3.2868% | 1,954 |
| Loan and lease loss provision to assets | 0.2519% | 864 |
| Net operating income to assets | 2.9607% | 95 |
| Return on assets (ROA) | 2.9321% | 100 |
| Pretax return on assets | 0.7259% | 4,548 |
| Return on Equity (ROE) | 27.2701% | 78 |
| Retained earnings to average equity (ytd only) | 27.2701% | 37 |
| Net charge-offs to loans | 1.0645% | 319 |
| Credit loss provision to net charge-offs | 34.5794% | 2,991 |
| Earnings coverage of net charge-offs (x) | 1.3813% | 3,816 |
| Efficiency ratio | 76.5583% | 2,532 |
| Assets per employee ($millions) | 3.9721% | 3,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 3,192 |
| Loan loss allowance to noncurrent loans | 47.5757% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 5.9097% | 258 |
| Noncurrent loans to loans | 3.0083% | 963 |
| Net loans and leases to total assets | 66.7077% | 2,639 |
| Net loans and leases to deposits | 76.6983% | 2,964 |
| Net loans and leases to core deposits | 78.7037% | 3,350 |
| Total domestic deposits to total assets | 86.9742% | 2,467 |
| Equity capital to assets | 11.3814% | 2,525 |
| Core capital (leverage) ratio | 10.7219% | 2,697 |
| Tier 1 risk-based capital ratio | 13.2253% | 4,770 |
| Total risk-based capital ratio | 14.4698% | 4,707 |
| Memoranda: | ||
| Average total assets | $293,717,670 | 2,201 |
| Average earning assets | $254,835,670 | 2,316 |
| Average equity | $31,580,330 | 2,184 |
| Average total loans | $201,029,670 | 2,039 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6694% | 1,327 |
| Cost of funding earning assets | 0.2258% | 5,790 |
| Net interest margin | 4.4436% | 737 |
| Noninterest income to average assets | 0.4461% | 3,814 |
| Noninterest expense to average assets | 3.4056% | 1,692 |
| Loan and lease loss provision to assets | 0.1657% | 1,460 |
| Net operating income to assets | 0.7347% | 3,519 |
| Return on assets (ROA) | 0.6767% | 3,888 |
| Pretax return on assets | 0.6767% | 4,566 |
| Return on Equity (ROE) | 6.4919% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.4919% | 2,286 |
| Net charge-offs to loans | 0.0903% | 2,258 |
| Credit loss provision to net charge-offs | 266.6667% | 859 |
| Earnings coverage of net charge-offs (x) | 14.4889% | 1,605 |
| Efficiency ratio | 79.0892% | 2,323 |
| Assets per employee ($millions) | 3.8856% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8797% | 1,812 |
| Loan loss allowance to noncurrent loans | 42.9268% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 7.1447% | 212 |
| Noncurrent loans to loans | 4.3788% | 572 |
| Net loans and leases to total assets | 66.2595% | 2,525 |
| Net loans and leases to deposits | 75.4165% | 2,881 |
| Net loans and leases to core deposits | 76.4249% | 3,370 |
| Total domestic deposits to total assets | 87.8580% | 2,309 |
| Equity capital to assets | 10.4462% | 3,301 |
| Core capital (leverage) ratio | 10.5150% | 2,908 |
| Tier 1 risk-based capital ratio | 13.6581% | 4,572 |
| Total risk-based capital ratio | 14.9131% | 4,520 |
| Memoranda: | ||
| Average total assets | $289,637,500 | 2,237 |
| Average earning assets | $251,598,000 | 2,344 |
| Average equity | $30,191,500 | 2,264 |
| Average total loans | $199,394,500 | 2,055 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 1,747 |
| Cost of funding earning assets | 0.3423% | 5,219 |
| Net interest margin | 4.2962% | 1,114 |
| Noninterest income to average assets | 0.3803% | 4,591 |
| Noninterest expense to average assets | 3.4372% | 1,798 |
| Loan and lease loss provision to assets | 0.0783% | 3,543 |
| Net operating income to assets | 0.5504% | 4,503 |
| Return on assets (ROA) | 0.5619% | 4,565 |
| Pretax return on assets | 0.5619% | 5,002 |
| Return on Equity (ROE) | 5.4970% | 4,396 |
| Retained earnings to average equity (ytd only) | 4.4759% | 2,990 |
| Net charge-offs to loans | 0.3096% | 2,138 |
| Credit loss provision to net charge-offs | 36.2903% | 4,124 |
| Earnings coverage of net charge-offs (x) | 2.9145% | 4,023 |
| Efficiency ratio | 84.5371% | 1,572 |
| Assets per employee ($millions) | 3.7384% | 4,392 |
| Cash dividends to net income (ytd only)* | 18.5759% | 3,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7941% | 2,081 |
| Loan loss allowance to noncurrent loans | 32.9096% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 8.1732% | 181 |
| Noncurrent loans to loans | 5.4515% | 419 |
| Net loans and leases to total assets | 68.9141% | 2,188 |
| Net loans and leases to deposits | 78.6188% | 2,646 |
| Net loans and leases to core deposits | 80.0389% | 3,129 |
| Total domestic deposits to total assets | 87.6560% | 2,388 |
| Equity capital to assets | 10.4013% | 3,284 |
| Core capital (leverage) ratio | 10.5002% | 2,921 |
| Tier 1 risk-based capital ratio | 13.3255% | 4,770 |
| Total risk-based capital ratio | 14.5799% | 4,708 |
| Memoranda: | ||
| Average total assets | $287,410,600 | 2,219 |
| Average earning assets | $246,567,200 | 2,367 |
| Average equity | $29,379,800 | 2,287 |
| Average total loans | $200,253,800 | 1,996 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6745% | 1,666 |
| Cost of funding earning assets | 0.3714% | 5,086 |
| Net interest margin | 4.3031% | 1,088 |
| Noninterest income to average assets | 0.3870% | 4,625 |
| Noninterest expense to average assets | 3.4453% | 1,724 |
| Loan and lease loss provision to assets | 0.1044% | 3,018 |
| Net operating income to assets | 0.5156% | 4,737 |
| Return on assets (ROA) | 0.5309% | 4,819 |
| Pretax return on assets | 0.5309% | 5,266 |
| Return on Equity (ROE) | 5.2166% | 4,619 |
| Retained earnings to average equity (ytd only) | 3.8486% | 3,942 |
| Net charge-offs to loans | 0.4891% | 1,314 |
| Credit loss provision to net charge-offs | 30.6958% | 3,883 |
| Earnings coverage of net charge-offs (x) | 1.8226% | 4,224 |
| Efficiency ratio | 84.7489% | 1,508 |
| Assets per employee ($millions) | 3.5828% | 4,683 |
| Cash dividends to net income (ytd only)* | 26.2237% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7680% | 2,401 |
| Loan loss allowance to noncurrent loans | 35.3546% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 8.5132% | 199 |
| Noncurrent loans to loans | 5.0009% | 598 |
| Net loans and leases to total assets | 68.0384% | 2,288 |
| Net loans and leases to deposits | 77.4554% | 2,751 |
| Net loans and leases to core deposits | 79.1801% | 3,211 |
| Total domestic deposits to total assets | 87.8420% | 2,223 |
| Equity capital to assets | 10.2782% | 3,538 |
| Core capital (leverage) ratio | 10.1979% | 3,402 |
| Tier 1 risk-based capital ratio | 13.1703% | 4,999 |
| Total risk-based capital ratio | 14.4244% | 4,947 |
| Memoranda: | ||
| Average total assets | $287,299,000 | 2,234 |
| Average earning assets | $245,583,750 | 2,386 |
| Average equity | $29,239,500 | 2,319 |
| Average total loans | $199,817,750 | 2,003 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 1,514 |
| Cost of funding earning assets | 0.3962% | 4,976 |
| Net interest margin | 4.3253% | 988 |
| Noninterest income to average assets | 0.3541% | 4,857 |
| Noninterest expense to average assets | 3.4077% | 1,804 |
| Loan and lease loss provision to assets | 0.1565% | 2,360 |
| Net operating income to assets | 0.4800% | 4,882 |
| Return on assets (ROA) | 0.5029% | 4,951 |
| Pretax return on assets | 0.5029% | 5,365 |
| Return on Equity (ROE) | 4.9578% | 4,749 |
| Retained earnings to average equity (ytd only) | 2.9006% | 4,466 |
| Net charge-offs to loans | 0.6712% | 980 |
| Credit loss provision to net charge-offs | 33.4821% | 3,525 |
| Earnings coverage of net charge-offs (x) | 1.3616% | 4,088 |
| Efficiency ratio | 84.2621% | 1,602 |
| Assets per employee ($millions) | 3.6297% | 4,553 |
| Cash dividends to net income (ytd only)* | 41.4938% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8421% | 2,281 |
| Loan loss allowance to noncurrent loans | 38.7899% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 8.8798% | 192 |
| Noncurrent loans to loans | 4.7489% | 706 |
| Net loans and leases to total assets | 65.5296% | 2,676 |
| Net loans and leases to deposits | 73.9923% | 3,156 |
| Net loans and leases to core deposits | 76.0074% | 3,542 |
| Total domestic deposits to total assets | 88.5628% | 1,877 |
| Equity capital to assets | 10.0435% | 3,862 |
| Core capital (leverage) ratio | 9.8929% | 3,658 |
| Tier 1 risk-based capital ratio | 13.0510% | 5,102 |
| Total risk-based capital ratio | 14.3062% | 5,044 |
| Memoranda: | ||
| Average total assets | $287,523,670 | 2,238 |
| Average earning assets | $245,300,000 | 2,398 |
| Average equity | $29,166,000 | 2,328 |
| Average total loans | $200,248,670 | 2,010 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6996% | 1,537 |
| Cost of funding earning assets | 0.4108% | 5,000 |
| Net interest margin | 4.2888% | 988 |
| Noninterest income to average assets | 0.2153% | 5,938 |
| Noninterest expense to average assets | 3.4296% | 1,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4348% | 4,978 |
| Return on assets (ROA) | 0.4810% | 4,933 |
| Pretax return on assets | 0.4810% | 5,315 |
| Return on Equity (ROE) | 4.7177% | 4,728 |
| Retained earnings to average equity (ytd only) | 4.7177% | 3,407 |
| Net charge-offs to loans | 0.7235% | 843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.8451% | 3,547 |
| Efficiency ratio | 88.7482% | 1,253 |
| Assets per employee ($millions) | 3.7030% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8105% | 2,585 |
| Loan loss allowance to noncurrent loans | 36.5256% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 8.9107% | 256 |
| Noncurrent loans to loans | 4.9569% | 774 |
| Net loans and leases to total assets | 66.8200% | 2,226 |
| Net loans and leases to deposits | 75.1422% | 2,752 |
| Net loans and leases to core deposits | 77.0300% | 3,199 |
| Total domestic deposits to total assets | 88.9248% | 1,723 |
| Equity capital to assets | 9.8826% | 4,297 |
| Core capital (leverage) ratio | 9.9616% | 3,439 |
| Tier 1 risk-based capital ratio | 12.6763% | 5,443 |
| Total risk-based capital ratio | 13.9303% | 5,395 |
| Memoranda: | ||
| Average total assets | $286,097,000 | 2,275 |
| Average earning assets | $243,425,000 | 2,441 |
| Average equity | $29,167,000 | 2,359 |
| Average total loans | $203,446,000 | 1,999 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8463% | 2,032 |
| Cost of funding earning assets | 0.4866% | 5,309 |
| Net interest margin | 4.3597% | 1,254 |
| Noninterest income to average assets | 0.2410% | 5,727 |
| Noninterest expense to average assets | 3.2143% | 2,562 |
| Loan and lease loss provision to assets | 0.1639% | 3,563 |
| Net operating income to assets | 0.5594% | 4,433 |
| Return on assets (ROA) | 0.3816% | 5,404 |
| Pretax return on assets | 0.3816% | 5,620 |
| Return on Equity (ROE) | 3.8391% | 5,209 |
| Retained earnings to average equity (ytd only) | 3.8391% | 3,498 |
| Net charge-offs to loans | 0.8143% | 1,439 |
| Credit loss provision to net charge-offs | 28.9409% | 5,135 |
| Earnings coverage of net charge-offs (x) | 1.2771% | 4,823 |
| Efficiency ratio | 81.6298% | 1,925 |
| Assets per employee ($millions) | 3.3248% | 5,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9572% | 2,137 |
| Loan loss allowance to noncurrent loans | 38.0204% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 9.9944% | 218 |
| Noncurrent loans to loans | 5.1477% | 754 |
| Net loans and leases to total assets | 72.9383% | 1,345 |
| Net loans and leases to deposits | 83.9151% | 1,765 |
| Net loans and leases to core deposits | 85.8364% | 2,329 |
| Total domestic deposits to total assets | 86.9192% | 2,878 |
| Equity capital to assets | 10.5300% | 3,491 |
| Core capital (leverage) ratio | 9.9955% | 3,404 |
| Tier 1 risk-based capital ratio | 12.2403% | 5,637 |
| Total risk-based capital ratio | 13.4960% | 5,589 |
| Memoranda: | ||
| Average total assets | $286,721,600 | 2,225 |
| Average earning assets | $243,112,600 | 2,385 |
| Average equity | $28,496,000 | 2,350 |
| Average total loans | $199,428,200 | 2,011 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8021% | 2,384 |
| Cost of funding earning assets | 0.5010% | 5,431 |
| Net interest margin | 4.3012% | 1,454 |
| Noninterest income to average assets | 0.2313% | 5,890 |
| Noninterest expense to average assets | 3.1028% | 2,882 |
| Loan and lease loss provision to assets | 0.2165% | 2,896 |
| Net operating income to assets | 0.5666% | 4,538 |
| Return on assets (ROA) | 0.3317% | 5,709 |
| Pretax return on assets | 0.3317% | 5,893 |
| Return on Equity (ROE) | 3.3855% | 5,539 |
| Retained earnings to average equity (ytd only) | 3.3855% | 4,483 |
| Net charge-offs to loans | 1.0891% | 945 |
| Credit loss provision to net charge-offs | 29.0662% | 4,811 |
| Earnings coverage of net charge-offs (x) | 1.0513% | 4,786 |
| Efficiency ratio | 79.8459% | 2,117 |
| Assets per employee ($millions) | 3.5802% | 4,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0207% | 2,108 |
| Loan loss allowance to noncurrent loans | 37.3158% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 10.0264% | 242 |
| Noncurrent loans to loans | 5.4152% | 799 |
| Net loans and leases to total assets | 67.3152% | 2,401 |
| Net loans and leases to deposits | 78.5379% | 2,595 |
| Net loans and leases to core deposits | 81.2962% | 3,046 |
| Total domestic deposits to total assets | 85.7104% | 3,407 |
| Equity capital to assets | 9.9137% | 4,632 |
| Core capital (leverage) ratio | 9.5688% | 4,163 |
| Tier 1 risk-based capital ratio | 12.1748% | 5,845 |
| Total risk-based capital ratio | 13.4309% | 5,808 |
| Memoranda: | ||
| Average total assets | $289,413,250 | 2,237 |
| Average earning assets | $245,912,000 | 2,390 |
| Average equity | $28,355,500 | 2,378 |
| Average total loans | $197,961,500 | 2,044 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8334% | 2,367 |
| Cost of funding earning assets | 0.5187% | 5,493 |
| Net interest margin | 4.3147% | 1,445 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 3.1063% | 2,908 |
| Loan and lease loss provision to assets | 0.2559% | 2,532 |
| Net operating income to assets | 0.3022% | 5,614 |
| Return on assets (ROA) | 0.3022% | 5,815 |
| Pretax return on assets | 0.3022% | 5,962 |
| Return on Equity (ROE) | 3.0966% | 5,654 |
| Retained earnings to average equity (ytd only) | 3.0966% | 4,575 |
| Net charge-offs to loans | 1.4610% | 689 |
| Credit loss provision to net charge-offs | 25.6410% | 4,514 |
| Earnings coverage of net charge-offs (x) | 0.5593% | 4,791 |
| Efficiency ratio | 84.7707% | 1,559 |
| Assets per employee ($millions) | 3.8953% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1071% | 1,980 |
| Loan loss allowance to noncurrent loans | 37.0850% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 9.8804% | 268 |
| Noncurrent loans to loans | 5.6819% | 802 |
| Net loans and leases to total assets | 64.3258% | 2,964 |
| Net loans and leases to deposits | 75.3146% | 3,081 |
| Net loans and leases to core deposits | 77.9346% | 3,529 |
| Total domestic deposits to total assets | 85.4094% | 3,657 |
| Equity capital to assets | 9.6136% | 4,894 |
| Core capital (leverage) ratio | 9.5022% | 4,139 |
| Tier 1 risk-based capital ratio | 12.0147% | 5,922 |
| Total risk-based capital ratio | 13.2711% | 5,895 |
| Memoranda: | ||
| Average total assets | $289,219,670 | 2,239 |
| Average earning assets | $245,626,000 | 2,392 |
| Average equity | $28,224,330 | 2,371 |
| Average total loans | $197,536,670 | 2,050 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0402% | 1,752 |
| Cost of funding earning assets | 0.5439% | 5,538 |
| Net interest margin | 4.4963% | 1,016 |
| Noninterest income to average assets | -0.2939% | 7,226 |
| Noninterest expense to average assets | 3.1028% | 2,907 |
| Loan and lease loss provision to assets | 0.1400% | 3,605 |
| Net operating income to assets | 0.2701% | 5,749 |
| Return on assets (ROA) | 0.2701% | 5,914 |
| Pretax return on assets | 0.2701% | 6,038 |
| Return on Equity (ROE) | 2.7467% | 5,810 |
| Retained earnings to average equity (ytd only) | 2.7467% | 4,884 |
| Net charge-offs to loans | 2.3010% | 373 |
| Credit loss provision to net charge-offs | 8.7336% | 3,919 |
| Earnings coverage of net charge-offs (x) | 0.2559% | 4,236 |
| Efficiency ratio | 88.3267% | 1,245 |
| Assets per employee ($millions) | 3.7024% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1090% | 2,081 |
| Loan loss allowance to noncurrent loans | 40.6441% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 10.0507% | 296 |
| Noncurrent loans to loans | 5.1889% | 1,058 |
| Net loans and leases to total assets | 66.3325% | 2,405 |
| Net loans and leases to deposits | 75.5544% | 2,876 |
| Net loans and leases to core deposits | 77.9135% | 3,340 |
| Total domestic deposits to total assets | 87.7944% | 2,466 |
| Equity capital to assets | 9.7744% | 4,420 |
| Core capital (leverage) ratio | 9.5882% | 3,932 |
| Tier 1 risk-based capital ratio | 11.7863% | 6,095 |
| Total risk-based capital ratio | 13.0425% | 6,072 |
| Memoranda: | ||
| Average total assets | $285,809,500 | 2,280 |
| Average earning assets | $241,975,000 | 2,433 |
| Average equity | $28,106,500 | 2,381 |
| Average total loans | $199,040,500 | 2,043 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1302% | 2,329 |
| Cost of funding earning assets | 0.6684% | 5,720 |
| Net interest margin | 4.4618% | 1,226 |
| Noninterest income to average assets | -0.2544% | 7,180 |
| Noninterest expense to average assets | 3.0931% | 3,220 |
| Loan and lease loss provision to assets | 0.2342% | 3,862 |
| Net operating income to assets | 0.2234% | 5,513 |
| Return on assets (ROA) | 0.2234% | 5,655 |
| Pretax return on assets | 0.2234% | 5,731 |
| Return on Equity (ROE) | 2.4551% | 5,486 |
| Retained earnings to average equity (ytd only) | 2.4551% | 4,473 |
| Net charge-offs to loans | 1.8247% | 801 |
| Credit loss provision to net charge-offs | 18.3399% | 5,936 |
| Earnings coverage of net charge-offs (x) | 0.3584% | 5,550 |
| Efficiency ratio | 87.1114% | 1,430 |
| Assets per employee ($millions) | 3.6261% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5554% | 1,241 |
| Loan loss allowance to noncurrent loans | 36.2109% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 11.5421% | 240 |
| Noncurrent loans to loans | 7.0570% | 627 |
| Net loans and leases to total assets | 69.7313% | 2,086 |
| Net loans and leases to deposits | 80.9137% | 2,374 |
| Net loans and leases to core deposits | 83.3124% | 2,980 |
| Total domestic deposits to total assets | 86.1798% | 3,213 |
| Equity capital to assets | 9.8949% | 4,311 |
| Core capital (leverage) ratio | 9.3937% | 4,190 |
| Tier 1 risk-based capital ratio | 11.4701% | 6,178 |
| Total risk-based capital ratio | 12.7316% | 6,160 |
| Memoranda: | ||
| Average total assets | $297,178,600 | 2,155 |
| Average earning assets | $253,442,400 | 2,280 |
| Average equity | $27,045,200 | 2,396 |
| Average total loans | $207,981,000 | 1,973 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0062% | 3,056 |
| Cost of funding earning assets | 0.6948% | 5,804 |
| Net interest margin | 4.3114% | 1,674 |
| Noninterest income to average assets | -0.1055% | 7,211 |
| Noninterest expense to average assets | 3.0482% | 3,361 |
| Loan and lease loss provision to assets | 0.3085% | 3,058 |
| Net operating income to assets | 0.2239% | 5,637 |
| Return on assets (ROA) | 0.2239% | 5,771 |
| Pretax return on assets | 0.2239% | 5,851 |
| Return on Equity (ROE) | 2.5115% | 5,617 |
| Retained earnings to average equity (ytd only) | 2.5115% | 4,859 |
| Net charge-offs to loans | 2.2555% | 538 |
| Credit loss provision to net charge-offs | 19.6499% | 5,563 |
| Earnings coverage of net charge-offs (x) | 0.3391% | 5,356 |
| Efficiency ratio | 85.1306% | 1,623 |
| Assets per employee ($millions) | 3.5799% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7223% | 1,104 |
| Loan loss allowance to noncurrent loans | 24.0193% | 6,539 |
| Noncurrent assets plus other real estate owned to assets | 14.2836% | 150 |
| Noncurrent loans to loans | 11.3340% | 271 |
| Net loans and leases to total assets | 66.8529% | 2,705 |
| Net loans and leases to deposits | 78.0054% | 2,989 |
| Net loans and leases to core deposits | 80.8367% | 3,507 |
| Total domestic deposits to total assets | 85.7029% | 3,382 |
| Equity capital to assets | 9.6369% | 4,879 |
| Core capital (leverage) ratio | 9.1390% | 4,729 |
| Tier 1 risk-based capital ratio | 11.5405% | 6,221 |
| Total risk-based capital ratio | 12.5923% | 6,326 |
| Memoranda: | ||
| Average total assets | $300,765,000 | 2,138 |
| Average earning assets | $257,140,750 | 2,268 |
| Average equity | $26,810,000 | 2,411 |
| Average total loans | $209,377,500 | 1,981 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0531% | 2,910 |
| Cost of funding earning assets | 0.7190% | 5,839 |
| Net interest margin | 4.3341% | 1,553 |
| Noninterest income to average assets | -0.2576% | 7,364 |
| Noninterest expense to average assets | 3.0910% | 3,288 |
| Loan and lease loss provision to assets | 0.1288% | 4,677 |
| Net operating income to assets | 0.2379% | 5,603 |
| Return on assets (ROA) | 0.2379% | 5,721 |
| Pretax return on assets | 0.2379% | 5,842 |
| Return on Equity (ROE) | 2.7391% | 5,509 |
| Retained earnings to average equity (ytd only) | 2.7391% | 4,545 |
| Net charge-offs to loans | 1.9516% | 695 |
| Credit loss provision to net charge-offs | 9.4412% | 5,253 |
| Earnings coverage of net charge-offs (x) | 0.2688% | 5,110 |
| Efficiency ratio | 89.3957% | 1,284 |
| Assets per employee ($millions) | 3.8986% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0980% | 819 |
| Loan loss allowance to noncurrent loans | 23.4137% | 6,597 |
| Noncurrent assets plus other real estate owned to assets | 14.7432% | 154 |
| Noncurrent loans to loans | 13.2316% | 195 |
| Net loans and leases to total assets | 66.5917% | 2,912 |
| Net loans and leases to deposits | 76.7553% | 3,329 |
| Net loans and leases to core deposits | 79.2423% | 3,893 |
| Total domestic deposits to total assets | 86.7585% | 2,883 |
| Equity capital to assets | 9.2378% | 5,223 |
| Core capital (leverage) ratio | 8.7627% | 5,107 |
| Tier 1 risk-based capital ratio | 11.1160% | 6,436 |
| Total risk-based capital ratio | 12.3829% | 6,420 |
| Memoranda: | ||
| Average total assets | $304,364,000 | 2,118 |
| Average earning assets | $260,910,670 | 2,247 |
| Average equity | $26,432,000 | 2,429 |
| Average total loans | $212,744,330 | 1,971 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1020% | 2,638 |
| Cost of funding earning assets | 0.7219% | 6,017 |
| Net interest margin | 4.3801% | 1,340 |
| Noninterest income to average assets | 0.7623% | 2,209 |
| Noninterest expense to average assets | 4.0124% | 1,020 |
| Loan and lease loss provision to assets | 0.2558% | 3,094 |
| Net operating income to assets | 0.2558% | 5,593 |
| Return on assets (ROA) | 0.2558% | 5,656 |
| Pretax return on assets | 0.2558% | 5,792 |
| Return on Equity (ROE) | 3.0408% | 5,343 |
| Retained earnings to average equity (ytd only) | 3.0408% | 4,336 |
| Net charge-offs to loans | 0.4815% | 2,267 |
| Credit loss provision to net charge-offs | 75.3846% | 3,247 |
| Earnings coverage of net charge-offs (x) | 1.5077% | 3,577 |
| Efficiency ratio | 88.6901% | 1,444 |
| Assets per employee ($millions) | 4.0834% | 3,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8875% | 454 |
| Loan loss allowance to noncurrent loans | 38.8130% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 12.2805% | 251 |
| Noncurrent loans to loans | 10.0159% | 407 |
| Net loans and leases to total assets | 65.3829% | 3,156 |
| Net loans and leases to deposits | 77.2056% | 3,213 |
| Net loans and leases to core deposits | 79.5399% | 3,816 |
| Total domestic deposits to total assets | 84.6867% | 4,188 |
| Equity capital to assets | 8.4833% | 5,932 |
| Core capital (leverage) ratio | 8.4064% | 5,617 |
| Tier 1 risk-based capital ratio | 10.4629% | 6,827 |
| Total risk-based capital ratio | 11.7385% | 6,798 |
| Memoranda: | ||
| Average total assets | $306,450,000 | 2,116 |
| Average earning assets | $263,191,000 | 2,247 |
| Average equity | $25,782,500 | 2,472 |
| Average total loans | $215,969,500 | 1,958 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2029% | 3,592 |
| Cost of funding earning assets | 1.1851% | 4,649 |
| Net interest margin | 4.0179% | 2,935 |
| Noninterest income to average assets | -0.6152% | 7,581 |
| Noninterest expense to average assets | 2.8183% | 4,528 |
| Loan and lease loss provision to assets | 2.9143% | 341 |
| Net operating income to assets | -2.9972% | 7,295 |
| Return on assets (ROA) | -2.9018% | 7,291 |
| Pretax return on assets | -2.7825% | 7,241 |
| Return on Equity (ROE) | -32.7380% | 7,265 |
| Retained earnings to average equity (ytd only) | -32.7380% | 7,255 |
| Net charge-offs to loans | 4.4597% | 246 |
| Credit loss provision to net charge-offs | 94.0287% | 4,941 |
| Earnings coverage of net charge-offs (x) | 0.0117% | 6,114 |
| Efficiency ratio | 98.7258% | 839 |
| Assets per employee ($millions) | 4.0342% | 3,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7451% | 502 |
| Loan loss allowance to noncurrent loans | 35.0453% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 13.5724% | 207 |
| Noncurrent loans to loans | 10.6863% | 373 |
| Net loans and leases to total assets | 70.2514% | 2,480 |
| Net loans and leases to deposits | 83.8342% | 2,479 |
| Net loans and leases to core deposits | 87.1619% | 3,160 |
| Total domestic deposits to total assets | 83.7980% | 4,451 |
| Equity capital to assets | 8.3414% | 6,093 |
| Core capital (leverage) ratio | 7.8032% | 6,434 |
| Tier 1 risk-based capital ratio | 9.6062% | 7,107 |
| Total risk-based capital ratio | 10.8788% | 7,105 |
| Memoranda: | ||
| Average total assets | $343,648,400 | 1,901 |
| Average earning assets | $296,774,600 | 2,005 |
| Average equity | $30,460,000 | 2,144 |
| Average total loans | $238,829,600 | 1,826 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2328% | 3,668 |
| Cost of funding earning assets | 1.2862% | 4,316 |
| Net interest margin | 3.9466% | 3,336 |
| Noninterest income to average assets | -0.7523% | 7,712 |
| Noninterest expense to average assets | 2.6875% | 4,936 |
| Loan and lease loss provision to assets | 3.3585% | 229 |
| Net operating income to assets | -2.7859% | 7,405 |
| Return on assets (ROA) | -2.7004% | 7,410 |
| Pretax return on assets | -3.2805% | 7,470 |
| Return on Equity (ROE) | -30.0864% | 7,381 |
| Retained earnings to average equity (ytd only) | -30.0864% | 7,373 |
| Net charge-offs to loans | 4.6317% | 205 |
| Credit loss provision to net charge-offs | 105.4655% | 4,061 |
| Earnings coverage of net charge-offs (x) | -0.0083% | 6,036 |
| Efficiency ratio | 100.9909% | 712 |
| Assets per employee ($millions) | 4.1205% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0784% | 344 |
| Loan loss allowance to noncurrent loans | 39.9633% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 12.3131% | 257 |
| Noncurrent loans to loans | 10.2054% | 401 |
| Net loans and leases to total assets | 68.5610% | 3,080 |
| Net loans and leases to deposits | 80.1779% | 3,418 |
| Net loans and leases to core deposits | 86.1326% | 3,632 |
| Total domestic deposits to total assets | 85.5111% | 3,337 |
| Equity capital to assets | 8.8255% | 5,815 |
| Core capital (leverage) ratio | 8.1236% | 6,158 |
| Tier 1 risk-based capital ratio | 10.3053% | 6,892 |
| Total risk-based capital ratio | 11.5830% | 6,875 |
| Memoranda: | ||
| Average total assets | $353,920,000 | 1,873 |
| Average earning assets | $306,115,000 | 1,973 |
| Average equity | $31,765,500 | 2,079 |
| Average total loans | $243,331,000 | 1,820 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3311% | 3,311 |
| Cost of funding earning assets | 1.3855% | 3,966 |
| Net interest margin | 3.9456% | 3,254 |
| Noninterest income to average assets | -1.2803% | 7,805 |
| Noninterest expense to average assets | 2.7141% | 4,850 |
| Loan and lease loss provision to assets | 4.7785% | 124 |
| Net operating income to assets | -4.2076% | 7,644 |
| Return on assets (ROA) | -4.0876% | 7,635 |
| Pretax return on assets | -5.2061% | 7,687 |
| Return on Equity (ROE) | -45.3205% | 7,577 |
| Retained earnings to average equity (ytd only) | -45.3205% | 7,569 |
| Net charge-offs to loans | 3.5664% | 408 |
| Credit loss provision to net charge-offs | 197.1719% | 2,001 |
| Earnings coverage of net charge-offs (x) | -0.2391% | 5,895 |
| Efficiency ratio | 127.1513% | 337 |
| Assets per employee ($millions) | 4.3289% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5557% | 128 |
| Loan loss allowance to noncurrent loans | 89.5294% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 8.4527% | 557 |
| Noncurrent loans to loans | 6.2055% | 1,008 |
| Net loans and leases to total assets | 64.0042% | 4,264 |
| Net loans and leases to deposits | 75.1037% | 4,497 |
| Net loans and leases to core deposits | 83.4031% | 4,225 |
| Total domestic deposits to total assets | 85.2212% | 3,508 |
| Equity capital to assets | 7.9839% | 6,766 |
| Core capital (leverage) ratio | 7.5180% | 6,811 |
| Tier 1 risk-based capital ratio | 9.8056% | 7,131 |
| Total risk-based capital ratio | 11.0973% | 7,087 |
| Memoranda: | ||
| Average total assets | $364,761,000 | 1,834 |
| Average earning assets | $315,696,000 | 1,923 |
| Average equity | $32,899,000 | 2,021 |
| Average total loans | $247,867,330 | 1,821 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2569% | 3,747 |
| Cost of funding earning assets | 1.5181% | 3,432 |
| Net interest margin | 3.7388% | 4,057 |
| Noninterest income to average assets | 0.4206% | 4,731 |
| Noninterest expense to average assets | 2.4399% | 5,949 |
| Loan and lease loss provision to assets | 1.4147% | 843 |
| Net operating income to assets | -0.1829% | 6,526 |
| Return on assets (ROA) | 0.1700% | 5,912 |
| Pretax return on assets | 0.1538% | 6,009 |
| Return on Equity (ROE) | 1.7878% | 5,843 |
| Retained earnings to average equity (ytd only) | 1.7878% | 5,044 |
| Net charge-offs to loans | 3.1923% | 465 |
| Credit loss provision to net charge-offs | 65.1313% | 4,201 |
| Earnings coverage of net charge-offs (x) | 0.5597% | 4,531 |
| Efficiency ratio | 66.7451% | 4,965 |
| Assets per employee ($millions) | 4.6317% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2579% | 661 |
| Loan loss allowance to noncurrent loans | 88.6523% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 7.7134% | 647 |
| Noncurrent loans to loans | 3.6750% | 2,164 |
| Net loans and leases to total assets | 65.7379% | 3,924 |
| Net loans and leases to deposits | 77.6778% | 4,102 |
| Net loans and leases to core deposits | 88.6043% | 3,551 |
| Total domestic deposits to total assets | 84.6290% | 3,843 |
| Equity capital to assets | 9.6166% | 4,352 |
| Core capital (leverage) ratio | 9.3221% | 4,013 |
| Tier 1 risk-based capital ratio | 11.4716% | 5,701 |
| Total risk-based capital ratio | 12.7394% | 5,670 |
| Memoranda: | ||
| Average total assets | $371,819,500 | 1,844 |
| Average earning assets | $321,709,000 | 1,935 |
| Average equity | $35,351,000 | 1,906 |
| Average total loans | $252,986,500 | 1,845 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7620% | 2,811 |
| Cost of funding earning assets | 1.7684% | 4,157 |
| Net interest margin | 3.9936% | 2,889 |
| Noninterest income to average assets | 0.1495% | 6,985 |
| Noninterest expense to average assets | 2.7127% | 5,328 |
| Loan and lease loss provision to assets | 2.0085% | 1,076 |
| Net operating income to assets | -0.5594% | 6,235 |
| Return on assets (ROA) | -0.5594% | 6,229 |
| Pretax return on assets | -1.0499% | 6,446 |
| Return on Equity (ROE) | -5.8598% | 6,291 |
| Retained earnings to average equity (ytd only) | -5.8598% | 6,133 |
| Net charge-offs to loans | 2.1488% | 1,126 |
| Credit loss provision to net charge-offs | 126.3538% | 4,122 |
| Earnings coverage of net charge-offs (x) | 0.6031% | 5,501 |
| Efficiency ratio | 73.8891% | 3,919 |
| Assets per employee ($millions) | 4.6638% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5041% | 525 |
| Loan loss allowance to noncurrent loans | 123.3486% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 7.1621% | 698 |
| Noncurrent loans to loans | 2.8408% | 2,708 |
| Net loans and leases to total assets | 65.7407% | 4,221 |
| Net loans and leases to deposits | 78.6061% | 4,257 |
| Net loans and leases to core deposits | 107.3322% | 3,177 |
| Total domestic deposits to total assets | 83.6330% | 4,212 |
| Equity capital to assets | 9.3993% | 4,556 |
| Core capital (leverage) ratio | 9.0718% | 4,302 |
| Tier 1 risk-based capital ratio | 11.4121% | 5,492 |
| Total risk-based capital ratio | 12.6833% | 5,430 |
| Memoranda: | ||
| Average total assets | $365,940,800 | 1,856 |
| Average earning assets | $322,719,400 | 1,926 |
| Average equity | $34,933,200 | 1,924 |
| Average total loans | $270,703,600 | 1,774 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7797% | 2,982 |
| Cost of funding earning assets | 1.8151% | 4,314 |
| Net interest margin | 3.9646% | 2,970 |
| Noninterest income to average assets | 0.4383% | 4,973 |
| Noninterest expense to average assets | 2.6754% | 5,431 |
| Loan and lease loss provision to assets | 2.2335% | 770 |
| Net operating income to assets | -0.6228% | 6,544 |
| Return on assets (ROA) | -0.6228% | 6,552 |
| Pretax return on assets | -0.9582% | 6,653 |
| Return on Equity (ROE) | -6.4985% | 6,605 |
| Retained earnings to average equity (ytd only) | -6.4985% | 6,444 |
| Net charge-offs to loans | 2.2748% | 834 |
| Credit loss provision to net charge-offs | 130.0917% | 3,850 |
| Earnings coverage of net charge-offs (x) | 0.7428% | 5,298 |
| Efficiency ratio | 67.7201% | 5,038 |
| Assets per employee ($millions) | 4.6658% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4175% | 455 |
| Loan loss allowance to noncurrent loans | 68.2754% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 9.1979% | 414 |
| Noncurrent loans to loans | 5.0055% | 1,323 |
| Net loans and leases to total assets | 66.5149% | 4,302 |
| Net loans and leases to deposits | 80.9475% | 4,206 |
| Net loans and leases to core deposits | 111.2214% | 3,102 |
| Total domestic deposits to total assets | 82.1704% | 4,602 |
| Equity capital to assets | 9.2889% | 5,054 |
| Core capital (leverage) ratio | 9.0547% | 4,569 |
| Tier 1 risk-based capital ratio | 11.1295% | 5,833 |
| Total risk-based capital ratio | 12.3999% | 5,753 |
| Memoranda: | ||
| Average total assets | $364,150,000 | 1,878 |
| Average earning assets | $322,615,250 | 1,949 |
| Average equity | $34,899,250 | 1,944 |
| Average total loans | $274,832,500 | 1,767 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8131% | 2,987 |
| Cost of funding earning assets | 1.8288% | 4,613 |
| Net interest margin | 3.9844% | 2,765 |
| Noninterest income to average assets | 0.4525% | 4,827 |
| Noninterest expense to average assets | 2.6413% | 5,586 |
| Loan and lease loss provision to assets | 3.0461% | 495 |
| Net operating income to assets | -1.0855% | 7,044 |
| Return on assets (ROA) | -1.0855% | 7,043 |
| Pretax return on assets | -1.6704% | 7,159 |
| Return on Equity (ROE) | -11.2080% | 7,123 |
| Retained earnings to average equity (ytd only) | -11.2080% | 6,986 |
| Net charge-offs to loans | 2.7618% | 606 |
| Credit loss provision to net charge-offs | 141.8623% | 3,281 |
| Earnings coverage of net charge-offs (x) | 0.6407% | 5,059 |
| Efficiency ratio | 65.7521% | 5,589 |
| Assets per employee ($millions) | 4.6003% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3370% | 434 |
| Loan loss allowance to noncurrent loans | 49.6852% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 9.7663% | 313 |
| Noncurrent loans to loans | 6.7163% | 762 |
| Net loans and leases to total assets | 72.6296% | 3,059 |
| Net loans and leases to deposits | 89.9749% | 2,836 |
| Net loans and leases to core deposits | 121.3705% | 2,252 |
| Total domestic deposits to total assets | 80.7221% | 5,182 |
| Equity capital to assets | 9.4360% | 4,695 |
| Core capital (leverage) ratio | 9.1546% | 4,374 |
| Tier 1 risk-based capital ratio | 10.8653% | 6,016 |
| Total risk-based capital ratio | 12.1258% | 5,945 |
| Memoranda: | ||
| Average total assets | $361,113,000 | 1,921 |
| Average earning assets | $323,061,330 | 1,967 |
| Average equity | $34,975,000 | 1,944 |
| Average total loans | $280,757,000 | 1,768 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6772% | 3,911 |
| Cost of funding earning assets | 1.8260% | 4,996 |
| Net interest margin | 3.8512% | 3,244 |
| Noninterest income to average assets | 0.2915% | 6,105 |
| Noninterest expense to average assets | 2.6589% | 5,189 |
| Loan and lease loss provision to assets | 2.8709% | 386 |
| Net operating income to assets | -1.1296% | 7,321 |
| Return on assets (ROA) | -1.1296% | 7,333 |
| Pretax return on assets | -1.7380% | 7,451 |
| Return on Equity (ROE) | -11.5161% | 7,449 |
| Retained earnings to average equity (ytd only) | -11.5161% | 7,238 |
| Net charge-offs to loans | 3.8990% | 313 |
| Credit loss provision to net charge-offs | 93.1566% | 3,941 |
| Earnings coverage of net charge-offs (x) | 0.3676% | 4,682 |
| Efficiency ratio | 70.1223% | 4,553 |
| Assets per employee ($millions) | 4.2797% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5170% | 754 |
| Loan loss allowance to noncurrent loans | 31.2522% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 7.7160% | 402 |
| Noncurrent loans to loans | 8.0538% | 443 |
| Net loans and leases to total assets | 76.4754% | 2,168 |
| Net loans and leases to deposits | 97.8530% | 1,687 |
| Net loans and leases to core deposits | 124.5128% | 2,039 |
| Total domestic deposits to total assets | 78.1533% | 5,957 |
| Equity capital to assets | 9.6601% | 4,439 |
| Core capital (leverage) ratio | 9.4091% | 4,093 |
| Tier 1 risk-based capital ratio | 10.9386% | 5,957 |
| Total risk-based capital ratio | 12.2016% | 5,856 |
| Memoranda: | ||
| Average total assets | $362,256,500 | 1,918 |
| Average earning assets | $329,246,500 | 1,924 |
| Average equity | $35,533,000 | 1,924 |
| Average total loans | $286,330,000 | 1,732 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6828% | 2,091 |
| Cost of funding earning assets | 2.1716% | 5,722 |
| Net interest margin | 4.5112% | 1,394 |
| Noninterest income to average assets | 0.5620% | 4,141 |
| Noninterest expense to average assets | 2.5343% | 5,877 |
| Loan and lease loss provision to assets | 1.2419% | 1,156 |
| Net operating income to assets | 0.6835% | 3,966 |
| Return on assets (ROA) | 0.6879% | 3,784 |
| Pretax return on assets | 0.9566% | 3,535 |
| Return on Equity (ROE) | 6.9963% | 3,531 |
| Retained earnings to average equity (ytd only) | 2.8991% | 3,370 |
| Net charge-offs to loans | 0.2539% | 3,736 |
| Credit loss provision to net charge-offs | 630.4654% | 681 |
| Earnings coverage of net charge-offs (x) | 11.1298% | 2,411 |
| Efficiency ratio | 53.6178% | 7,312 |
| Assets per employee ($millions) | 3.8789% | 3,784 |
| Cash dividends to net income (ytd only)* | 58.5622% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5669% | 636 |
| Loan loss allowance to noncurrent loans | 42.9946% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 5.5209% | 584 |
| Noncurrent loans to loans | 5.9702% | 603 |
| Net loans and leases to total assets | 77.5923% | 2,236 |
| Net loans and leases to deposits | 106.0548% | 1,118 |
| Net loans and leases to core deposits | 126.9429% | 2,087 |
| Total domestic deposits to total assets | 73.1624% | 6,800 |
| Equity capital to assets | 9.9588% | 4,084 |
| Core capital (leverage) ratio | 9.6290% | 3,849 |
| Tier 1 risk-based capital ratio | 11.1559% | 5,592 |
| Total risk-based capital ratio | 12.4195% | 5,459 |
| Memoranda: | ||
| Average total assets | $359,935,000 | 1,864 |
| Average earning assets | $332,285,000 | 1,842 |
| Average equity | $35,390,000 | 1,910 |
| Average total loans | $279,209,800 | 1,726 |