Home > Allegheny Valley Bank of Pittsburgh > Performance and Condition Ratios
Allegheny Valley Bank of Pittsburgh, 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 | 3.7291% | 4,011 |
| Cost of funding earning assets | 0.4146% | 2,862 |
| Net interest margin | 3.3145% | 3,959 |
| Noninterest income to average assets | 0.4160% | 3,556 |
| Noninterest expense to average assets | 2.9623% | 2,268 |
| Loan and lease loss provision to assets | 0.0904% | 2,034 |
| Net operating income to assets | 0.2622% | 5,283 |
| Return on assets (ROA) | 0.2622% | 5,299 |
| Pretax return on assets | 0.4431% | 5,072 |
| Return on Equity (ROE) | 2.4006% | 5,259 |
| Retained earnings to average equity (ytd only) | -0.9106% | 5,049 |
| Net charge-offs to loans | 0.0077% | 2,704 |
| Credit loss provision to net charge-offs | 1,666.6667% | 196 |
| Earnings coverage of net charge-offs (x) | 98.3333% | 544 |
| Efficiency ratio | 84.7387% | 908 |
| Assets per employee ($millions) | 5.4476% | 1,941 |
| Cash dividends to net income (ytd only)* | 137.9310% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 3,009 |
| Loan loss allowance to noncurrent loans | 72.4730% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.2097% | 1,451 |
| Noncurrent loans to loans | 1.6834% | 1,144 |
| Net loans and leases to total assets | 70.4330% | 2,305 |
| Net loans and leases to deposits | 94.1611% | 1,090 |
| Net loans and leases to core deposits | 98.9119% | 1,585 |
| Total domestic deposits to total assets | 74.8005% | 5,350 |
| Equity capital to assets | 10.8340% | 2,817 |
| Core capital (leverage) ratio | 9.1682% | 4,526 |
| Tier 1 risk-based capital ratio | 12.1725% | 4,604 |
| Total risk-based capital ratio | 13.4891% | 4,455 |
| Memoranda: | ||
| Average total assets | $442,357,000 | 1,594 |
| Average earning assets | $411,036,500 | 1,585 |
| Average equity | $48,321,000 | 1,578 |
| Average total loans | $312,867,000 | 1,516 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8839% | 3,630 |
| Cost of funding earning assets | 0.3681% | 3,335 |
| Net interest margin | 3.5158% | 3,370 |
| Noninterest income to average assets | 0.5294% | 3,034 |
| Noninterest expense to average assets | 2.8146% | 2,978 |
| Loan and lease loss provision to assets | 0.0930% | 2,500 |
| Net operating income to assets | 0.6774% | 3,884 |
| Return on assets (ROA) | 0.6986% | 3,897 |
| Pretax return on assets | 0.9170% | 3,780 |
| Return on Equity (ROE) | 6.1568% | 3,899 |
| Retained earnings to average equity (ytd only) | 2.8593% | 3,861 |
| Net charge-offs to loans | 0.0630% | 2,799 |
| Credit loss provision to net charge-offs | 213.9037% | 1,331 |
| Earnings coverage of net charge-offs (x) | 22.5989% | 1,725 |
| Efficiency ratio | 74.1323% | 2,272 |
| Assets per employee ($millions) | 5.3416% | 2,011 |
| Cash dividends to net income (ytd only)* | 53.5595% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 2,912 |
| Loan loss allowance to noncurrent loans | 61.1416% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.4438% | 1,177 |
| Noncurrent loans to loans | 2.0187% | 885 |
| Net loans and leases to total assets | 69.2744% | 2,586 |
| Net loans and leases to deposits | 92.6308% | 1,352 |
| Net loans and leases to core deposits | 96.5452% | 1,877 |
| Total domestic deposits to total assets | 74.7855% | 5,370 |
| Equity capital to assets | 11.0148% | 2,620 |
| Core capital (leverage) ratio | 9.1811% | 4,505 |
| Tier 1 risk-based capital ratio | 12.3700% | 4,465 |
| Total risk-based capital ratio | 13.6854% | 4,307 |
| Memoranda: | ||
| Average total assets | $430,299,000 | 1,579 |
| Average earning assets | $399,884,400 | 1,566 |
| Average equity | $48,823,800 | 1,554 |
| Average total loans | $296,909,800 | 1,534 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8814% | 3,651 |
| Cost of funding earning assets | 0.3642% | 3,394 |
| Net interest margin | 3.5172% | 3,404 |
| Noninterest income to average assets | 0.5391% | 2,985 |
| Noninterest expense to average assets | 2.8361% | 2,886 |
| Loan and lease loss provision to assets | 0.0934% | 2,356 |
| Net operating income to assets | 0.6600% | 4,035 |
| Return on assets (ROA) | 0.6754% | 4,103 |
| Pretax return on assets | 0.9004% | 3,979 |
| Return on Equity (ROE) | 5.9084% | 4,113 |
| Retained earnings to average equity (ytd only) | 2.6411% | 4,333 |
| Net charge-offs to loans | 0.0602% | 2,490 |
| Credit loss provision to net charge-offs | 225.5639% | 1,307 |
| Earnings coverage of net charge-offs (x) | 23.5111% | 1,714 |
| Efficiency ratio | 74.4505% | 2,195 |
| Assets per employee ($millions) | 5.0297% | 2,342 |
| Cash dividends to net income (ytd only)* | 55.2996% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 3,111 |
| Loan loss allowance to noncurrent loans | 61.7642% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.3884% | 1,345 |
| Noncurrent loans to loans | 1.9785% | 1,003 |
| Net loans and leases to total assets | 68.4104% | 2,739 |
| Net loans and leases to deposits | 94.3025% | 1,236 |
| Net loans and leases to core deposits | 98.6104% | 1,757 |
| Total domestic deposits to total assets | 72.5436% | 5,561 |
| Equity capital to assets | 11.2553% | 2,738 |
| Core capital (leverage) ratio | 9.2076% | 4,577 |
| Tier 1 risk-based capital ratio | 12.1144% | 4,717 |
| Total risk-based capital ratio | 13.3250% | 4,647 |
| Memoranda: | ||
| Average total assets | $428,371,250 | 1,585 |
| Average earning assets | $398,296,750 | 1,575 |
| Average equity | $48,968,250 | 1,558 |
| Average total loans | $294,332,000 | 1,544 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9108% | 3,572 |
| Cost of funding earning assets | 0.3659% | 3,396 |
| Net interest margin | 3.5450% | 3,309 |
| Noninterest income to average assets | 0.4901% | 3,265 |
| Noninterest expense to average assets | 2.7458% | 3,215 |
| Loan and lease loss provision to assets | 0.0944% | 2,267 |
| Net operating income to assets | 0.7362% | 3,622 |
| Return on assets (ROA) | 0.7450% | 3,731 |
| Pretax return on assets | 0.9593% | 3,748 |
| Return on Equity (ROE) | 6.4824% | 3,811 |
| Retained earnings to average equity (ytd only) | 3.1960% | 3,865 |
| Net charge-offs to loans | 0.0441% | 2,588 |
| Credit loss provision to net charge-offs | 312.5000% | 934 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 1,274 |
| Efficiency ratio | 72.4826% | 2,587 |
| Assets per employee ($millions) | 4.6963% | 2,725 |
| Cash dividends to net income (ytd only)* | 50.6971% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 3,005 |
| Loan loss allowance to noncurrent loans | 59.0714% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 1.4741% | 1,314 |
| Noncurrent loans to loans | 2.1352% | 906 |
| Net loans and leases to total assets | 67.3121% | 2,894 |
| Net loans and leases to deposits | 90.2963% | 1,718 |
| Net loans and leases to core deposits | 94.3949% | 2,126 |
| Total domestic deposits to total assets | 74.5458% | 5,463 |
| Equity capital to assets | 11.5200% | 2,525 |
| Core capital (leverage) ratio | 9.3215% | 4,430 |
| Tier 1 risk-based capital ratio | 12.6424% | 4,424 |
| Total risk-based capital ratio | 13.8784% | 4,332 |
| Memoranda: | ||
| Average total assets | $423,624,670 | 1,603 |
| Average earning assets | $394,136,000 | 1,596 |
| Average equity | $48,685,330 | 1,562 |
| Average total loans | $290,263,330 | 1,570 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9035% | 3,579 |
| Cost of funding earning assets | 0.3695% | 3,403 |
| Net interest margin | 3.5341% | 3,344 |
| Noninterest income to average assets | 0.4483% | 3,495 |
| Noninterest expense to average assets | 2.7877% | 3,120 |
| Loan and lease loss provision to assets | 0.0954% | 2,100 |
| Net operating income to assets | 0.6698% | 3,878 |
| Return on assets (ROA) | 0.6876% | 3,888 |
| Pretax return on assets | 0.8812% | 3,923 |
| Return on Equity (ROE) | 5.9907% | 3,994 |
| Retained earnings to average equity (ytd only) | 2.5840% | 4,210 |
| Net charge-offs to loans | 0.0097% | 2,798 |
| Credit loss provision to net charge-offs | 1,428.5714% | 293 |
| Earnings coverage of net charge-offs (x) | 142.8571% | 419 |
| Efficiency ratio | 74.5093% | 2,400 |
| Assets per employee ($millions) | 4.8924% | 2,470 |
| Cash dividends to net income (ytd only)* | 56.8655% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 3,074 |
| Loan loss allowance to noncurrent loans | 65.9957% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.3072% | 1,639 |
| Noncurrent loans to loans | 1.9197% | 1,130 |
| Net loans and leases to total assets | 67.2316% | 2,776 |
| Net loans and leases to deposits | 91.8508% | 1,367 |
| Net loans and leases to core deposits | 94.9396% | 1,892 |
| Total domestic deposits to total assets | 73.1965% | 5,677 |
| Equity capital to assets | 11.4087% | 2,525 |
| Core capital (leverage) ratio | 9.4184% | 4,329 |
| Tier 1 risk-based capital ratio | 12.7589% | 4,425 |
| Total risk-based capital ratio | 14.0076% | 4,334 |
| Memoranda: | ||
| Average total assets | $419,407,500 | 1,614 |
| Average earning assets | $390,824,500 | 1,604 |
| Average equity | $48,141,500 | 1,567 |
| Average total loans | $288,123,500 | 1,571 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9668% | 3,441 |
| Cost of funding earning assets | 0.4007% | 3,151 |
| Net interest margin | 3.5662% | 3,253 |
| Noninterest income to average assets | 0.5630% | 2,947 |
| Noninterest expense to average assets | 2.7614% | 3,378 |
| Loan and lease loss provision to assets | 0.0853% | 2,588 |
| Net operating income to assets | 0.7968% | 3,355 |
| Return on assets (ROA) | 0.8178% | 3,340 |
| Pretax return on assets | 1.0588% | 3,230 |
| Return on Equity (ROE) | 7.1280% | 3,447 |
| Retained earnings to average equity (ytd only) | 3.6564% | 3,451 |
| Net charge-offs to loans | 0.1137% | 2,241 |
| Credit loss provision to net charge-offs | 110.0629% | 2,296 |
| Earnings coverage of net charge-offs (x) | 14.4151% | 2,299 |
| Efficiency ratio | 71.2042% | 3,033 |
| Assets per employee ($millions) | 4.9780% | 2,392 |
| Cash dividends to net income (ytd only)* | 48.7042% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 3,175 |
| Loan loss allowance to noncurrent loans | 60.0403% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 1.4427% | 1,435 |
| Noncurrent loans to loans | 2.0813% | 988 |
| Net loans and leases to total assets | 68.4532% | 2,635 |
| Net loans and leases to deposits | 89.5971% | 1,672 |
| Net loans and leases to core deposits | 92.4152% | 2,178 |
| Total domestic deposits to total assets | 76.4011% | 5,402 |
| Equity capital to assets | 11.5503% | 2,318 |
| Core capital (leverage) ratio | 9.6226% | 4,017 |
| Tier 1 risk-based capital ratio | 12.8741% | 4,406 |
| Total risk-based capital ratio | 14.1271% | 4,298 |
| Memoranda: | ||
| Average total assets | $410,482,400 | 1,605 |
| Average earning assets | $381,587,600 | 1,598 |
| Average equity | $47,095,800 | 1,568 |
| Average total loans | $279,623,200 | 1,563 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9532% | 3,531 |
| Cost of funding earning assets | 0.4194% | 3,016 |
| Net interest margin | 3.5337% | 3,414 |
| Noninterest income to average assets | 0.5531% | 3,034 |
| Noninterest expense to average assets | 2.7248% | 3,477 |
| Loan and lease loss provision to assets | 0.0856% | 2,455 |
| Net operating income to assets | 0.7980% | 3,433 |
| Return on assets (ROA) | 0.8264% | 3,383 |
| Pretax return on assets | 1.0629% | 3,362 |
| Return on Equity (ROE) | 7.2149% | 3,522 |
| Retained earnings to average equity (ytd only) | 3.7779% | 3,784 |
| Net charge-offs to loans | 0.0720% | 2,534 |
| Credit loss provision to net charge-offs | 175.3333% | 1,498 |
| Earnings coverage of net charge-offs (x) | 22.7861% | 1,761 |
| Efficiency ratio | 71.0167% | 3,042 |
| Assets per employee ($millions) | 4.6490% | 2,770 |
| Cash dividends to net income (ytd only)* | 47.6377% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 3,027 |
| Loan loss allowance to noncurrent loans | 153.5879% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 3,540 |
| Noncurrent loans to loans | 0.8539% | 2,839 |
| Net loans and leases to total assets | 67.3200% | 2,800 |
| Net loans and leases to deposits | 86.6716% | 2,073 |
| Net loans and leases to core deposits | 88.8183% | 2,576 |
| Total domestic deposits to total assets | 77.6725% | 5,239 |
| Equity capital to assets | 11.6453% | 2,383 |
| Core capital (leverage) ratio | 9.6005% | 4,164 |
| Tier 1 risk-based capital ratio | 12.9927% | 4,429 |
| Total risk-based capital ratio | 14.2809% | 4,334 |
| Memoranda: | ||
| Average total assets | $409,809,000 | 1,616 |
| Average earning assets | $380,815,500 | 1,614 |
| Average equity | $46,939,000 | 1,581 |
| Average total loans | $277,926,250 | 1,577 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 3,497 |
| Cost of funding earning assets | 0.4250% | 2,984 |
| Net interest margin | 3.5234% | 3,400 |
| Noninterest income to average assets | 0.5819% | 2,841 |
| Noninterest expense to average assets | 2.7607% | 3,377 |
| Loan and lease loss provision to assets | 0.0854% | 2,410 |
| Net operating income to assets | 0.7897% | 3,438 |
| Return on assets (ROA) | 0.7897% | 3,536 |
| Pretax return on assets | 1.0111% | 3,540 |
| Return on Equity (ROE) | 6.9329% | 3,650 |
| Retained earnings to average equity (ytd only) | 3.5071% | 3,803 |
| Net charge-offs to loans | 0.1009% | 1,996 |
| Credit loss provision to net charge-offs | 125.0000% | 1,744 |
| Earnings coverage of net charge-offs (x) | 16.0571% | 1,932 |
| Efficiency ratio | 71.5731% | 3,060 |
| Assets per employee ($millions) | 4.6581% | 2,734 |
| Cash dividends to net income (ytd only)* | 49.4132% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 3,263 |
| Loan loss allowance to noncurrent loans | 151.1608% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.5846% | 3,660 |
| Noncurrent loans to loans | 0.8575% | 2,986 |
| Net loans and leases to total assets | 67.2856% | 2,750 |
| Net loans and leases to deposits | 84.0524% | 2,306 |
| Net loans and leases to core deposits | 86.0874% | 2,757 |
| Total domestic deposits to total assets | 80.0520% | 4,854 |
| Equity capital to assets | 11.5104% | 2,404 |
| Core capital (leverage) ratio | 9.3713% | 4,462 |
| Tier 1 risk-based capital ratio | 13.0086% | 4,516 |
| Total risk-based capital ratio | 14.3135% | 4,394 |
| Memoranda: | ||
| Average total assets | $410,042,000 | 1,629 |
| Average earning assets | $381,162,670 | 1,622 |
| Average equity | $46,704,670 | 1,598 |
| Average total loans | $277,544,000 | 1,579 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9560% | 3,393 |
| Cost of funding earning assets | 0.4386% | 2,891 |
| Net interest margin | 3.5173% | 3,358 |
| Noninterest income to average assets | 0.5441% | 2,993 |
| Noninterest expense to average assets | 2.7971% | 3,260 |
| Loan and lease loss provision to assets | 0.0844% | 2,288 |
| Net operating income to assets | 0.7361% | 3,614 |
| Return on assets (ROA) | 0.7361% | 3,743 |
| Pretax return on assets | 0.9291% | 3,782 |
| Return on Equity (ROE) | 6.4964% | 3,767 |
| Retained earnings to average equity (ytd only) | 3.0727% | 4,137 |
| Net charge-offs to loans | 0.0906% | 1,816 |
| Credit loss provision to net charge-offs | 138.0952% | 1,320 |
| Earnings coverage of net charge-offs (x) | 16.5873% | 1,561 |
| Efficiency ratio | 73.4029% | 2,924 |
| Assets per employee ($millions) | 4.4675% | 3,104 |
| Cash dividends to net income (ytd only)* | 52.7009% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 3,479 |
| Loan loss allowance to noncurrent loans | 131.3235% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.6618% | 3,504 |
| Noncurrent loans to loans | 0.9800% | 2,807 |
| Net loans and leases to total assets | 66.6630% | 2,657 |
| Net loans and leases to deposits | 83.1502% | 2,188 |
| Net loans and leases to core deposits | 85.2112% | 2,629 |
| Total domestic deposits to total assets | 80.1718% | 5,017 |
| Equity capital to assets | 11.4609% | 2,504 |
| Core capital (leverage) ratio | 9.2148% | 4,690 |
| Tier 1 risk-based capital ratio | 12.7275% | 4,772 |
| Total risk-based capital ratio | 13.9520% | 4,706 |
| Memoranda: | ||
| Average total assets | $412,433,500 | 1,631 |
| Average earning assets | $383,016,000 | 1,619 |
| Average equity | $46,733,500 | 1,602 |
| Average total loans | $278,185,000 | 1,566 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0432% | 3,547 |
| Cost of funding earning assets | 0.5049% | 2,620 |
| Net interest margin | 3.5383% | 3,643 |
| Noninterest income to average assets | 0.7199% | 2,208 |
| Noninterest expense to average assets | 2.9237% | 3,071 |
| Loan and lease loss provision to assets | 0.0965% | 2,542 |
| Net operating income to assets | 0.7442% | 3,655 |
| Return on assets (ROA) | 0.7684% | 3,631 |
| Pretax return on assets | 1.0109% | 3,450 |
| Return on Equity (ROE) | 6.9593% | 3,662 |
| Retained earnings to average equity (ytd only) | 3.2110% | 3,949 |
| Net charge-offs to loans | 0.0598% | 3,646 |
| Credit loss provision to net charge-offs | 236.1446% | 1,071 |
| Earnings coverage of net charge-offs (x) | 26.3193% | 1,468 |
| Efficiency ratio | 73.1056% | 3,009 |
| Assets per employee ($millions) | 4.6501% | 2,796 |
| Cash dividends to net income (ytd only)* | 53.8609% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 3,581 |
| Loan loss allowance to noncurrent loans | 132.0551% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 3,621 |
| Noncurrent loans to loans | 0.9634% | 2,914 |
| Net loans and leases to total assets | 66.5107% | 2,807 |
| Net loans and leases to deposits | 86.7426% | 1,880 |
| Net loans and leases to core deposits | 88.9733% | 2,383 |
| Total domestic deposits to total assets | 76.6760% | 5,646 |
| Equity capital to assets | 11.2023% | 2,691 |
| Core capital (leverage) ratio | 9.0985% | 4,829 |
| Tier 1 risk-based capital ratio | 12.4093% | 5,083 |
| Total risk-based capital ratio | 13.6682% | 5,003 |
| Memoranda: | ||
| Average total assets | $406,191,800 | 1,628 |
| Average earning assets | $376,481,600 | 1,607 |
| Average equity | $44,846,400 | 1,609 |
| Average total loans | $277,525,600 | 1,533 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0577% | 3,531 |
| Cost of funding earning assets | 0.5175% | 2,583 |
| Net interest margin | 3.5402% | 3,671 |
| Noninterest income to average assets | 0.7437% | 2,122 |
| Noninterest expense to average assets | 2.9257% | 3,038 |
| Loan and lease loss provision to assets | 0.0963% | 2,438 |
| Net operating income to assets | 0.7635% | 3,607 |
| Return on assets (ROA) | 0.7958% | 3,549 |
| Pretax return on assets | 1.0445% | 3,405 |
| Return on Equity (ROE) | 7.2351% | 3,588 |
| Retained earnings to average equity (ytd only) | 3.4541% | 4,173 |
| Net charge-offs to loans | 0.0774% | 3,093 |
| Credit loss provision to net charge-offs | 181.3665% | 1,378 |
| Earnings coverage of net charge-offs (x) | 20.6834% | 1,715 |
| Efficiency ratio | 72.7072% | 3,061 |
| Assets per employee ($millions) | 4.3984% | 3,134 |
| Cash dividends to net income (ytd only)* | 52.2586% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 4,076 |
| Loan loss allowance to noncurrent loans | 94.6791% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 0.8818% | 3,228 |
| Noncurrent loans to loans | 1.2980% | 2,476 |
| Net loans and leases to total assets | 67.1011% | 2,668 |
| Net loans and leases to deposits | 86.6012% | 1,840 |
| Net loans and leases to core deposits | 89.0601% | 2,317 |
| Total domestic deposits to total assets | 77.4829% | 5,605 |
| Equity capital to assets | 11.0111% | 2,948 |
| Core capital (leverage) ratio | 9.0501% | 5,002 |
| Tier 1 risk-based capital ratio | 12.2434% | 5,336 |
| Total risk-based capital ratio | 13.4476% | 5,287 |
| Memoranda: | ||
| Average total assets | $404,274,500 | 1,645 |
| Average earning assets | $374,584,750 | 1,628 |
| Average equity | $44,467,500 | 1,626 |
| Average total loans | $277,204,750 | 1,548 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0398% | 3,588 |
| Cost of funding earning assets | 0.5274% | 2,561 |
| Net interest margin | 3.5123% | 3,735 |
| Noninterest income to average assets | 0.7642% | 1,991 |
| Noninterest expense to average assets | 2.9550% | 2,983 |
| Loan and lease loss provision to assets | 0.0997% | 2,360 |
| Net operating income to assets | 0.7431% | 3,606 |
| Return on assets (ROA) | 0.7926% | 3,468 |
| Pretax return on assets | 1.0269% | 3,364 |
| Return on Equity (ROE) | 7.2085% | 3,510 |
| Retained earnings to average equity (ytd only) | 3.4410% | 4,009 |
| Net charge-offs to loans | 0.0884% | 2,802 |
| Credit loss provision to net charge-offs | 163.9344% | 1,372 |
| Earnings coverage of net charge-offs (x) | 17.4672% | 1,734 |
| Efficiency ratio | 73.5575% | 3,050 |
| Assets per employee ($millions) | 4.5551% | 2,838 |
| Cash dividends to net income (ytd only)* | 52.2642% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 4,388 |
| Loan loss allowance to noncurrent loans | 92.8435% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.9001% | 3,295 |
| Noncurrent loans to loans | 1.3012% | 2,637 |
| Net loans and leases to total assets | 67.8011% | 2,440 |
| Net loans and leases to deposits | 81.3095% | 2,346 |
| Net loans and leases to core deposits | 84.6739% | 2,664 |
| Total domestic deposits to total assets | 83.3865% | 4,160 |
| Equity capital to assets | 11.0558% | 2,820 |
| Core capital (leverage) ratio | 9.1752% | 4,777 |
| Tier 1 risk-based capital ratio | 12.3689% | 5,323 |
| Total risk-based capital ratio | 13.5988% | 5,253 |
| Memoranda: | ||
| Average total assets | $401,214,670 | 1,655 |
| Average earning assets | $371,603,670 | 1,633 |
| Average equity | $44,114,670 | 1,619 |
| Average total loans | $275,978,330 | 1,552 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0509% | 3,473 |
| Cost of funding earning assets | 0.5405% | 2,498 |
| Net interest margin | 3.5104% | 3,643 |
| Noninterest income to average assets | 0.7066% | 2,144 |
| Noninterest expense to average assets | 2.9714% | 2,975 |
| Loan and lease loss provision to assets | 0.1008% | 2,242 |
| Net operating income to assets | 0.6904% | 3,738 |
| Return on assets (ROA) | 0.6904% | 3,815 |
| Pretax return on assets | 0.8880% | 3,749 |
| Return on Equity (ROE) | 6.2974% | 3,854 |
| Retained earnings to average equity (ytd only) | 2.5282% | 4,549 |
| Net charge-offs to loans | 0.1068% | 2,114 |
| Credit loss provision to net charge-offs | 136.9863% | 1,326 |
| Earnings coverage of net charge-offs (x) | 13.4384% | 1,667 |
| Efficiency ratio | 75.0318% | 2,966 |
| Assets per employee ($millions) | 4.2724% | 3,397 |
| Cash dividends to net income (ytd only)* | 59.8540% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 4,563 |
| Loan loss allowance to noncurrent loans | 88.5012% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 0.9492% | 3,353 |
| Noncurrent loans to loans | 1.3750% | 2,730 |
| Net loans and leases to total assets | 67.6754% | 2,270 |
| Net loans and leases to deposits | 81.6350% | 2,084 |
| Net loans and leases to core deposits | 83.7815% | 2,542 |
| Total domestic deposits to total assets | 82.8999% | 4,639 |
| Equity capital to assets | 10.9595% | 2,755 |
| Core capital (leverage) ratio | 9.1559% | 4,781 |
| Tier 1 risk-based capital ratio | 12.6683% | 5,210 |
| Total risk-based capital ratio | 13.9193% | 5,142 |
| Memoranda: | ||
| Average total assets | $396,844,500 | 1,680 |
| Average earning assets | $367,822,500 | 1,661 |
| Average equity | $43,510,000 | 1,638 |
| Average total loans | $273,291,000 | 1,565 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 4,207 |
| Cost of funding earning assets | 0.6698% | 2,041 |
| Net interest margin | 3.2982% | 4,672 |
| Noninterest income to average assets | 0.7380% | 2,343 |
| Noninterest expense to average assets | 3.0241% | 2,980 |
| Loan and lease loss provision to assets | 0.1063% | 3,019 |
| Net operating income to assets | 0.5487% | 4,511 |
| Return on assets (ROA) | 0.5640% | 4,555 |
| Pretax return on assets | 0.7285% | 4,426 |
| Return on Equity (ROE) | 5.1737% | 4,552 |
| Retained earnings to average equity (ytd only) | 1.6863% | 5,029 |
| Net charge-offs to loans | 0.1891% | 2,948 |
| Credit loss provision to net charge-offs | 86.7347% | 2,847 |
| Earnings coverage of net charge-offs (x) | 6.6510% | 3,011 |
| Efficiency ratio | 78.7701% | 2,350 |
| Assets per employee ($millions) | 4.0842% | 3,689 |
| Cash dividends to net income (ytd only)* | 67.4058% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 4,527 |
| Loan loss allowance to noncurrent loans | 91.7657% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 0.9304% | 3,577 |
| Noncurrent loans to loans | 1.3332% | 2,906 |
| Net loans and leases to total assets | 68.3847% | 2,284 |
| Net loans and leases to deposits | 80.7617% | 2,351 |
| Net loans and leases to core deposits | 82.8891% | 2,788 |
| Total domestic deposits to total assets | 84.6746% | 3,898 |
| Equity capital to assets | 10.9686% | 2,640 |
| Core capital (leverage) ratio | 9.1683% | 4,759 |
| Tier 1 risk-based capital ratio | 12.9035% | 5,046 |
| Total risk-based capital ratio | 14.1709% | 4,983 |
| Memoranda: | ||
| Average total assets | $399,848,800 | 1,649 |
| Average earning assets | $375,957,400 | 1,606 |
| Average equity | $43,586,000 | 1,607 |
| Average total loans | $259,137,600 | 1,600 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 4,407 |
| Cost of funding earning assets | 0.6936% | 1,994 |
| Net interest margin | 3.2322% | 4,889 |
| Noninterest income to average assets | 0.6793% | 2,737 |
| Noninterest expense to average assets | 3.0320% | 2,880 |
| Loan and lease loss provision to assets | 0.1059% | 2,992 |
| Net operating income to assets | 0.4641% | 4,955 |
| Return on assets (ROA) | 0.4848% | 5,023 |
| Pretax return on assets | 0.6172% | 4,960 |
| Return on Equity (ROE) | 4.4544% | 5,000 |
| Retained earnings to average equity (ytd only) | 0.9939% | 5,580 |
| Net charge-offs to loans | 0.2307% | 2,418 |
| Credit loss provision to net charge-offs | 72.0090% | 3,029 |
| Earnings coverage of net charge-offs (x) | 4.7404% | 3,366 |
| Efficiency ratio | 81.3117% | 1,931 |
| Assets per employee ($millions) | 4.0786% | 3,680 |
| Cash dividends to net income (ytd only)* | 77.6868% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 4,484 |
| Loan loss allowance to noncurrent loans | 90.7371% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.9087% | 3,861 |
| Noncurrent loans to loans | 1.4135% | 3,052 |
| Net loans and leases to total assets | 63.4634% | 3,088 |
| Net loans and leases to deposits | 73.6507% | 3,291 |
| Net loans and leases to core deposits | 75.9276% | 3,624 |
| Total domestic deposits to total assets | 86.1681% | 3,147 |
| Equity capital to assets | 10.9261% | 2,835 |
| Core capital (leverage) ratio | 8.7903% | 5,426 |
| Tier 1 risk-based capital ratio | 13.8794% | 4,519 |
| Total risk-based capital ratio | 15.1708% | 4,439 |
| Memoranda: | ||
| Average total assets | $401,790,500 | 1,654 |
| Average earning assets | $379,092,000 | 1,602 |
| Average equity | $43,731,000 | 1,610 |
| Average total loans | $256,060,750 | 1,621 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8984% | 4,487 |
| Cost of funding earning assets | 0.7106% | 1,997 |
| Net interest margin | 3.1878% | 4,985 |
| Noninterest income to average assets | 0.6512% | 2,906 |
| Noninterest expense to average assets | 3.0487% | 2,841 |
| Loan and lease loss provision to assets | 0.1055% | 3,028 |
| Net operating income to assets | 0.4095% | 5,181 |
| Return on assets (ROA) | 0.4289% | 5,267 |
| Pretax return on assets | 0.5339% | 5,257 |
| Return on Equity (ROE) | 3.9454% | 5,239 |
| Retained earnings to average equity (ytd only) | 0.4829% | 5,706 |
| Net charge-offs to loans | -0.0210% | 5,987 |
| Credit loss provision to net charge-offs | -788.8889% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2117% | 1,728 |
| Assets per employee ($millions) | 3.8681% | 4,074 |
| Cash dividends to net income (ytd only)* | 87.7598% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 4,063 |
| Loan loss allowance to noncurrent loans | 92.3822% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.9932% | 3,776 |
| Noncurrent loans to loans | 1.5083% | 3,033 |
| Net loans and leases to total assets | 63.1778% | 3,066 |
| Net loans and leases to deposits | 72.7277% | 3,352 |
| Net loans and leases to core deposits | 75.2235% | 3,644 |
| Total domestic deposits to total assets | 86.8690% | 2,899 |
| Equity capital to assets | 10.5099% | 3,293 |
| Core capital (leverage) ratio | 8.6844% | 5,446 |
| Tier 1 risk-based capital ratio | 13.8209% | 4,545 |
| Total risk-based capital ratio | 15.1021% | 4,498 |
| Memoranda: | ||
| Average total assets | $403,846,330 | 1,644 |
| Average earning assets | $381,647,000 | 1,593 |
| Average equity | $43,899,330 | 1,607 |
| Average total loans | $256,635,000 | 1,617 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9299% | 4,368 |
| Cost of funding earning assets | 0.7338% | 1,970 |
| Net interest margin | 3.1960% | 4,947 |
| Noninterest income to average assets | 0.6596% | 2,819 |
| Noninterest expense to average assets | 3.0515% | 2,832 |
| Loan and lease loss provision to assets | 0.1053% | 2,929 |
| Net operating income to assets | 0.4232% | 5,040 |
| Return on assets (ROA) | 0.4232% | 5,191 |
| Pretax return on assets | 0.5225% | 5,195 |
| Return on Equity (ROE) | 3.8287% | 5,175 |
| Retained earnings to average equity (ytd only) | 0.0090% | 5,761 |
| Net charge-offs to loans | 0.0785% | 3,054 |
| Credit loss provision to net charge-offs | 212.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 12.6400% | 1,582 |
| Efficiency ratio | 82.9374% | 1,894 |
| Assets per employee ($millions) | 4.0414% | 3,861 |
| Cash dividends to net income (ytd only)* | 99.7653% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 4,517 |
| Loan loss allowance to noncurrent loans | 105.1635% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8558% | 4,244 |
| Noncurrent loans to loans | 1.2739% | 3,646 |
| Net loans and leases to total assets | 63.3577% | 2,824 |
| Net loans and leases to deposits | 73.4933% | 2,987 |
| Net loans and leases to core deposits | 76.2053% | 3,293 |
| Total domestic deposits to total assets | 86.2089% | 3,410 |
| Equity capital to assets | 11.0978% | 2,851 |
| Core capital (leverage) ratio | 8.7869% | 5,210 |
| Tier 1 risk-based capital ratio | 14.2108% | 4,354 |
| Total risk-based capital ratio | 15.4835% | 4,305 |
| Memoranda: | ||
| Average total assets | $402,693,500 | 1,660 |
| Average earning assets | $380,472,500 | 1,607 |
| Average equity | $44,506,000 | 1,610 |
| Average total loans | $254,840,500 | 1,638 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2654% | 4,342 |
| Cost of funding earning assets | 0.8684% | 2,152 |
| Net interest margin | 3.3969% | 4,894 |
| Noninterest income to average assets | 0.6158% | 3,196 |
| Noninterest expense to average assets | 2.9039% | 3,619 |
| Loan and lease loss provision to assets | 0.1197% | 4,123 |
| Net operating income to assets | 0.6071% | 4,203 |
| Return on assets (ROA) | 0.6217% | 4,396 |
| Pretax return on assets | 0.8125% | 4,249 |
| Return on Equity (ROE) | 5.6973% | 4,310 |
| Retained earnings to average equity (ytd only) | 2.0668% | 4,769 |
| Net charge-offs to loans | 0.4480% | 2,436 |
| Credit loss provision to net charge-offs | 41.8966% | 4,894 |
| Earnings coverage of net charge-offs (x) | 3.1974% | 3,835 |
| Efficiency ratio | 76.0756% | 2,728 |
| Assets per employee ($millions) | 4.1356% | 3,675 |
| Cash dividends to net income (ytd only)* | 63.7228% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 4,459 |
| Loan loss allowance to noncurrent loans | 81.3551% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.0662% | 3,896 |
| Noncurrent loans to loans | 1.6467% | 3,152 |
| Net loans and leases to total assets | 61.5265% | 3,332 |
| Net loans and leases to deposits | 72.9385% | 3,257 |
| Net loans and leases to core deposits | 75.6891% | 3,577 |
| Total domestic deposits to total assets | 84.3539% | 4,155 |
| Equity capital to assets | 11.0070% | 2,943 |
| Core capital (leverage) ratio | 8.5561% | 5,530 |
| Tier 1 risk-based capital ratio | 14.5233% | 4,016 |
| Total risk-based capital ratio | 15.7757% | 3,970 |
| Memoranda: | ||
| Average total assets | $406,140,800 | 1,611 |
| Average earning assets | $382,755,200 | 1,567 |
| Average equity | $44,319,200 | 1,575 |
| Average total loans | $258,932,000 | 1,601 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3308% | 4,326 |
| Cost of funding earning assets | 0.8864% | 2,259 |
| Net interest margin | 3.4444% | 4,862 |
| Noninterest income to average assets | 0.6536% | 2,975 |
| Noninterest expense to average assets | 2.8395% | 3,841 |
| Loan and lease loss provision to assets | 0.1250% | 3,989 |
| Net operating income to assets | 0.7091% | 3,879 |
| Return on assets (ROA) | 0.7104% | 4,107 |
| Pretax return on assets | 0.9358% | 3,976 |
| Return on Equity (ROE) | 6.5239% | 4,050 |
| Retained earnings to average equity (ytd only) | 2.8054% | 4,865 |
| Net charge-offs to loans | 0.0891% | 4,489 |
| Credit loss provision to net charge-offs | 218.9655% | 1,272 |
| Earnings coverage of net charge-offs (x) | 18.5520% | 1,548 |
| Efficiency ratio | 72.8329% | 3,178 |
| Assets per employee ($millions) | 4.1460% | 3,583 |
| Cash dividends to net income (ytd only)* | 56.9977% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6726% | 3,247 |
| Loan loss allowance to noncurrent loans | 83.8146% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.2840% | 3,723 |
| Noncurrent loans to loans | 1.9956% | 2,846 |
| Net loans and leases to total assets | 61.7378% | 3,435 |
| Net loans and leases to deposits | 73.2501% | 3,403 |
| Net loans and leases to core deposits | 76.1770% | 3,701 |
| Total domestic deposits to total assets | 84.2837% | 4,086 |
| Equity capital to assets | 11.1009% | 3,150 |
| Core capital (leverage) ratio | 8.5629% | 5,674 |
| Tier 1 risk-based capital ratio | 14.3784% | 4,279 |
| Total risk-based capital ratio | 15.6351% | 4,245 |
| Memoranda: | ||
| Average total assets | $406,353,750 | 1,620 |
| Average earning assets | $382,829,250 | 1,581 |
| Average equity | $44,246,500 | 1,590 |
| Average total loans | $260,478,500 | 1,600 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 4,161 |
| Cost of funding earning assets | 0.9063% | 2,347 |
| Net interest margin | 3.5011% | 4,664 |
| Noninterest income to average assets | 0.6782% | 2,784 |
| Noninterest expense to average assets | 2.8235% | 3,926 |
| Loan and lease loss provision to assets | 0.1043% | 4,221 |
| Net operating income to assets | 0.7827% | 3,459 |
| Return on assets (ROA) | 0.7845% | 3,713 |
| Pretax return on assets | 1.0478% | 3,528 |
| Return on Equity (ROE) | 7.2519% | 3,644 |
| Retained earnings to average equity (ytd only) | 3.4576% | 4,300 |
| Net charge-offs to loans | 0.0778% | 4,372 |
| Credit loss provision to net charge-offs | 207.8431% | 1,361 |
| Earnings coverage of net charge-offs (x) | 22.9020% | 1,270 |
| Efficiency ratio | 71.0640% | 3,590 |
| Assets per employee ($millions) | 4.3258% | 3,208 |
| Cash dividends to net income (ytd only)* | 52.3212% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5879% | 3,644 |
| Loan loss allowance to noncurrent loans | 80.9394% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.3071% | 3,813 |
| Noncurrent loans to loans | 1.9619% | 2,985 |
| Net loans and leases to total assets | 63.5563% | 3,132 |
| Net loans and leases to deposits | 75.1155% | 3,109 |
| Net loans and leases to core deposits | 78.1327% | 3,496 |
| Total domestic deposits to total assets | 84.6113% | 4,047 |
| Equity capital to assets | 10.9991% | 3,117 |
| Core capital (leverage) ratio | 8.5327% | 5,607 |
| Tier 1 risk-based capital ratio | 13.7183% | 4,645 |
| Total risk-based capital ratio | 14.9738% | 4,618 |
| Memoranda: | ||
| Average total assets | $406,368,330 | 1,623 |
| Average earning assets | $382,455,000 | 1,580 |
| Average equity | $43,960,670 | 1,588 |
| Average total loans | $262,266,670 | 1,591 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3712% | 4,442 |
| Cost of funding earning assets | 0.9345% | 2,408 |
| Net interest margin | 3.4368% | 4,972 |
| Noninterest income to average assets | 0.5603% | 3,498 |
| Noninterest expense to average assets | 2.7688% | 4,165 |
| Loan and lease loss provision to assets | 0.1044% | 4,036 |
| Net operating income to assets | 0.7011% | 3,877 |
| Return on assets (ROA) | 0.7011% | 4,093 |
| Pretax return on assets | 0.9246% | 3,952 |
| Return on Equity (ROE) | 6.5353% | 4,016 |
| Retained earnings to average equity (ytd only) | 2.4599% | 5,030 |
| Net charge-offs to loans | 0.0031% | 4,708 |
| Credit loss provision to net charge-offs | 5,300.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 522.5000% | 48 |
| Efficiency ratio | 72.9064% | 3,270 |
| Assets per employee ($millions) | 4.4035% | 3,186 |
| Cash dividends to net income (ytd only)* | 62.3596% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 3,802 |
| Loan loss allowance to noncurrent loans | 77.6576% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.3327% | 3,892 |
| Noncurrent loans to loans | 2.0357% | 3,103 |
| Net loans and leases to total assets | 63.9882% | 2,851 |
| Net loans and leases to deposits | 75.9646% | 2,799 |
| Net loans and leases to core deposits | 79.2468% | 3,146 |
| Total domestic deposits to total assets | 84.2343% | 4,384 |
| Equity capital to assets | 10.7912% | 3,156 |
| Core capital (leverage) ratio | 8.4100% | 5,727 |
| Tier 1 risk-based capital ratio | 13.4235% | 4,885 |
| Total risk-based capital ratio | 14.6785% | 4,870 |
| Memoranda: | ||
| Average total assets | $406,240,500 | 1,632 |
| Average earning assets | $382,685,000 | 1,584 |
| Average equity | $43,578,500 | 1,603 |
| Average total loans | $262,097,500 | 1,599 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 4,950 |
| Cost of funding earning assets | 1.1243% | 2,506 |
| Net interest margin | 3.4073% | 5,462 |
| Noninterest income to average assets | 0.5486% | 3,518 |
| Noninterest expense to average assets | 2.7521% | 4,542 |
| Loan and lease loss provision to assets | 0.1041% | 5,283 |
| Net operating income to assets | 0.6878% | 3,546 |
| Return on assets (ROA) | 0.7019% | 3,667 |
| Pretax return on assets | 0.9098% | 3,579 |
| Return on Equity (ROE) | 6.7720% | 3,508 |
| Retained earnings to average equity (ytd only) | 2.3652% | 4,543 |
| Net charge-offs to loans | 0.0599% | 5,702 |
| Credit loss provision to net charge-offs | 274.1935% | 869 |
| Earnings coverage of net charge-offs (x) | 26.2258% | 948 |
| Efficiency ratio | 73.4348% | 3,319 |
| Assets per employee ($millions) | 4.2433% | 3,385 |
| Cash dividends to net income (ytd only)* | 65.0733% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5564% | 3,771 |
| Loan loss allowance to noncurrent loans | 69.8263% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.4361% | 3,833 |
| Noncurrent loans to loans | 2.2289% | 2,926 |
| Net loans and leases to total assets | 63.0259% | 3,397 |
| Net loans and leases to deposits | 76.5111% | 3,090 |
| Net loans and leases to core deposits | 80.6592% | 3,363 |
| Total domestic deposits to total assets | 82.3748% | 5,005 |
| Equity capital to assets | 10.6637% | 3,351 |
| Core capital (leverage) ratio | 8.2144% | 5,966 |
| Tier 1 risk-based capital ratio | 13.6625% | 4,575 |
| Total risk-based capital ratio | 14.9178% | 4,540 |
| Memoranda: | ||
| Average total assets | $408,311,600 | 1,588 |
| Average earning assets | $383,351,400 | 1,549 |
| Average equity | $42,321,200 | 1,590 |
| Average total loans | $258,622,600 | 1,631 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5546% | 5,071 |
| Cost of funding earning assets | 1.1532% | 2,618 |
| Net interest margin | 3.4015% | 5,564 |
| Noninterest income to average assets | 0.5453% | 3,548 |
| Noninterest expense to average assets | 2.7583% | 4,503 |
| Loan and lease loss provision to assets | 0.1041% | 5,144 |
| Net operating income to assets | 0.6776% | 3,731 |
| Return on assets (ROA) | 0.6964% | 3,811 |
| Pretax return on assets | 0.9004% | 3,766 |
| Return on Equity (ROE) | 6.7677% | 3,629 |
| Retained earnings to average equity (ytd only) | 2.1692% | 5,040 |
| Net charge-offs to loans | 0.0651% | 5,311 |
| Credit loss provision to net charge-offs | 253.1746% | 1,132 |
| Earnings coverage of net charge-offs (x) | 23.8327% | 1,099 |
| Efficiency ratio | 73.7844% | 3,223 |
| Assets per employee ($millions) | 4.5593% | 2,826 |
| Cash dividends to net income (ytd only)* | 67.9477% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 4,077 |
| Loan loss allowance to noncurrent loans | 65.9437% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.5048% | 3,859 |
| Noncurrent loans to loans | 2.2781% | 3,026 |
| Net loans and leases to total assets | 64.3600% | 3,240 |
| Net loans and leases to deposits | 78.0138% | 2,988 |
| Net loans and leases to core deposits | 82.1315% | 3,306 |
| Total domestic deposits to total assets | 82.4981% | 4,881 |
| Equity capital to assets | 10.6042% | 3,563 |
| Core capital (leverage) ratio | 8.0605% | 6,328 |
| Tier 1 risk-based capital ratio | 13.2243% | 4,927 |
| Total risk-based capital ratio | 14.4790% | 4,901 |
| Memoranda: | ||
| Average total assets | $408,550,750 | 1,596 |
| Average earning assets | $383,511,250 | 1,554 |
| Average equity | $42,041,750 | 1,604 |
| Average total loans | $258,078,750 | 1,650 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5700% | 5,101 |
| Cost of funding earning assets | 1.1804% | 2,707 |
| Net interest margin | 3.3896% | 5,590 |
| Noninterest income to average assets | 0.5104% | 3,775 |
| Noninterest expense to average assets | 2.7650% | 4,567 |
| Loan and lease loss provision to assets | 0.1035% | 5,016 |
| Net operating income to assets | 0.6436% | 3,831 |
| Return on assets (ROA) | 0.6726% | 3,794 |
| Pretax return on assets | 0.8567% | 3,806 |
| Return on Equity (ROE) | 6.6023% | 3,644 |
| Retained earnings to average equity (ytd only) | 1.9275% | 5,017 |
| Net charge-offs to loans | 0.0696% | 4,943 |
| Credit loss provision to net charge-offs | 238.2022% | 1,267 |
| Earnings coverage of net charge-offs (x) | 21.2472% | 1,157 |
| Efficiency ratio | 74.9603% | 3,187 |
| Assets per employee ($millions) | 4.0390% | 3,680 |
| Cash dividends to net income (ytd only)* | 70.8061% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 3,968 |
| Loan loss allowance to noncurrent loans | 71.2232% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.3563% | 4,195 |
| Noncurrent loans to loans | 2.1534% | 3,281 |
| Net loans and leases to total assets | 61.5828% | 3,972 |
| Net loans and leases to deposits | 74.2060% | 3,774 |
| Net loans and leases to core deposits | 78.1160% | 4,042 |
| Total domestic deposits to total assets | 82.9889% | 4,760 |
| Equity capital to assets | 10.3625% | 3,673 |
| Core capital (leverage) ratio | 8.0221% | 6,273 |
| Tier 1 risk-based capital ratio | 13.6656% | 4,405 |
| Total risk-based capital ratio | 14.9205% | 4,378 |
| Memoranda: | ||
| Average total assets | $409,476,330 | 1,606 |
| Average earning assets | $383,936,330 | 1,562 |
| Average equity | $41,712,670 | 1,607 |
| Average total loans | $255,725,330 | 1,676 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6100% | 4,901 |
| Cost of funding earning assets | 1.2132% | 2,728 |
| Net interest margin | 3.3969% | 5,440 |
| Noninterest income to average assets | 0.5080% | 3,820 |
| Noninterest expense to average assets | 2.7457% | 4,656 |
| Loan and lease loss provision to assets | 0.1034% | 4,718 |
| Net operating income to assets | 0.6533% | 3,735 |
| Return on assets (ROA) | 0.6533% | 3,811 |
| Pretax return on assets | 0.8395% | 3,746 |
| Return on Equity (ROE) | 6.4683% | 3,643 |
| Retained earnings to average equity (ytd only) | 1.6412% | 5,132 |
| Net charge-offs to loans | 0.1453% | 3,619 |
| Credit loss provision to net charge-offs | 113.9785% | 2,355 |
| Earnings coverage of net charge-offs (x) | 10.3978% | 1,637 |
| Efficiency ratio | 74.4383% | 3,434 |
| Assets per employee ($millions) | 4.3804% | 3,076 |
| Cash dividends to net income (ytd only)* | 74.6269% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 4,257 |
| Loan loss allowance to noncurrent loans | 76.0752% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.2435% | 4,464 |
| Noncurrent loans to loans | 1.9594% | 3,629 |
| Net loans and leases to total assets | 61.0369% | 4,072 |
| Net loans and leases to deposits | 73.4989% | 3,846 |
| Net loans and leases to core deposits | 77.4380% | 4,099 |
| Total domestic deposits to total assets | 83.0447% | 4,908 |
| Equity capital to assets | 10.0997% | 3,648 |
| Core capital (leverage) ratio | 7.9805% | 6,279 |
| Tier 1 risk-based capital ratio | 13.5001% | 4,417 |
| Total risk-based capital ratio | 14.7542% | 4,388 |
| Memoranda: | ||
| Average total assets | $410,247,500 | 1,612 |
| Average earning assets | $384,120,000 | 1,574 |
| Average equity | $41,433,000 | 1,613 |
| Average total loans | $256,023,000 | 1,692 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8491% | 5,233 |
| Cost of funding earning assets | 1.4185% | 3,145 |
| Net interest margin | 3.4305% | 5,512 |
| Noninterest income to average assets | 0.5841% | 3,566 |
| Noninterest expense to average assets | 2.6681% | 5,137 |
| Loan and lease loss provision to assets | 0.1670% | 5,544 |
| Net operating income to assets | 0.7465% | 3,015 |
| Return on assets (ROA) | 0.7489% | 3,127 |
| Pretax return on assets | 0.9679% | 3,037 |
| Return on Equity (ROE) | 7.4726% | 2,907 |
| Retained earnings to average equity (ytd only) | 2.1971% | 4,352 |
| Net charge-offs to loans | 0.3861% | 4,107 |
| Credit loss provision to net charge-offs | 67.5808% | 5,917 |
| Earnings coverage of net charge-offs (x) | 4.5808% | 2,873 |
| Efficiency ratio | 70.2159% | 4,136 |
| Assets per employee ($millions) | 4.5416% | 2,793 |
| Cash dividends to net income (ytd only)* | 70.5977% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 4,156 |
| Loan loss allowance to noncurrent loans | 71.6935% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.3028% | 4,429 |
| Noncurrent loans to loans | 2.0571% | 3,475 |
| Net loans and leases to total assets | 61.9297% | 4,301 |
| Net loans and leases to deposits | 75.4294% | 3,934 |
| Net loans and leases to core deposits | 79.0674% | 4,339 |
| Total domestic deposits to total assets | 82.1028% | 5,158 |
| Equity capital to assets | 10.0993% | 3,616 |
| Core capital (leverage) ratio | 7.8325% | 6,401 |
| Tier 1 risk-based capital ratio | 13.2876% | 4,384 |
| Total risk-based capital ratio | 14.5414% | 4,338 |
| Memoranda: | ||
| Average total assets | $413,253,400 | 1,599 |
| Average earning assets | $387,372,600 | 1,557 |
| Average equity | $41,418,000 | 1,603 |
| Average total loans | $264,445,800 | 1,679 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8801% | 5,361 |
| Cost of funding earning assets | 1.4515% | 3,263 |
| Net interest margin | 3.4286% | 5,577 |
| Noninterest income to average assets | 0.5850% | 3,544 |
| Noninterest expense to average assets | 2.6262% | 5,212 |
| Loan and lease loss provision to assets | 0.1528% | 5,511 |
| Net operating income to assets | 0.7842% | 3,065 |
| Return on assets (ROA) | 0.8015% | 3,149 |
| Pretax return on assets | 1.0441% | 3,020 |
| Return on Equity (ROE) | 8.0122% | 2,896 |
| Retained earnings to average equity (ytd only) | 2.8015% | 4,474 |
| Net charge-offs to loans | 0.3089% | 4,104 |
| Credit loss provision to net charge-offs | 76.9854% | 5,224 |
| Earnings coverage of net charge-offs (x) | 5.9157% | 2,643 |
| Efficiency ratio | 69.0992% | 4,247 |
| Assets per employee ($millions) | 4.5118% | 2,887 |
| Cash dividends to net income (ytd only)* | 65.0342% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 3,956 |
| Loan loss allowance to noncurrent loans | 52.6323% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 1.8310% | 3,706 |
| Noncurrent loans to loans | 2.8516% | 2,800 |
| Net loans and leases to total assets | 62.9121% | 4,345 |
| Net loans and leases to deposits | 78.7969% | 3,671 |
| Net loans and leases to core deposits | 82.6218% | 4,148 |
| Total domestic deposits to total assets | 79.8408% | 5,761 |
| Equity capital to assets | 10.1380% | 3,964 |
| Core capital (leverage) ratio | 7.7866% | 6,578 |
| Tier 1 risk-based capital ratio | 12.8151% | 4,721 |
| Total risk-based capital ratio | 14.0633% | 4,705 |
| Memoranda: | ||
| Average total assets | $414,381,500 | 1,625 |
| Average earning assets | $388,646,000 | 1,573 |
| Average equity | $41,452,500 | 1,600 |
| Average total loans | $266,327,000 | 1,681 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 5,339 |
| Cost of funding earning assets | 1.4807% | 3,362 |
| Net interest margin | 3.4318% | 5,510 |
| Noninterest income to average assets | 0.6099% | 3,261 |
| Noninterest expense to average assets | 2.5764% | 5,427 |
| Loan and lease loss provision to assets | 0.1120% | 5,786 |
| Net operating income to assets | 0.8708% | 2,656 |
| Return on assets (ROA) | 0.8968% | 2,684 |
| Pretax return on assets | 1.1720% | 2,507 |
| Return on Equity (ROE) | 9.0052% | 2,465 |
| Retained earnings to average equity (ytd only) | 3.7825% | 3,684 |
| Net charge-offs to loans | 0.3712% | 3,499 |
| Credit loss provision to net charge-offs | 46.8687% | 5,486 |
| Earnings coverage of net charge-offs (x) | 5.2303% | 2,718 |
| Efficiency ratio | 67.3271% | 4,711 |
| Assets per employee ($millions) | 4.3450% | 3,137 |
| Cash dividends to net income (ytd only)* | 57.9968% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 4,112 |
| Loan loss allowance to noncurrent loans | 65.7523% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.4315% | 4,328 |
| Noncurrent loans to loans | 2.2226% | 3,456 |
| Net loans and leases to total assets | 63.0383% | 4,457 |
| Net loans and leases to deposits | 77.8555% | 4,000 |
| Net loans and leases to core deposits | 81.9437% | 4,429 |
| Total domestic deposits to total assets | 80.9684% | 5,409 |
| Equity capital to assets | 10.1889% | 3,784 |
| Core capital (leverage) ratio | 7.7691% | 6,533 |
| Tier 1 risk-based capital ratio | 12.6061% | 4,768 |
| Total risk-based capital ratio | 13.8598% | 4,731 |
| Memoranda: | ||
| Average total assets | $414,148,330 | 1,640 |
| Average earning assets | $388,189,670 | 1,593 |
| Average equity | $41,243,000 | 1,599 |
| Average total loans | $266,731,000 | 1,706 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9316% | 5,304 |
| Cost of funding earning assets | 1.5301% | 3,375 |
| Net interest margin | 3.4015% | 5,577 |
| Noninterest income to average assets | 0.4754% | 4,242 |
| Noninterest expense to average assets | 2.5321% | 5,609 |
| Loan and lease loss provision to assets | 0.1022% | 5,609 |
| Net operating income to assets | 0.7974% | 2,973 |
| Return on assets (ROA) | 0.7974% | 3,080 |
| Pretax return on assets | 1.0221% | 3,003 |
| Return on Equity (ROE) | 8.1007% | 2,836 |
| Retained earnings to average equity (ytd only) | 2.8112% | 4,446 |
| Net charge-offs to loans | 0.2298% | 3,545 |
| Credit loss provision to net charge-offs | 68.8312% | 4,128 |
| Earnings coverage of net charge-offs (x) | 7.5714% | 2,067 |
| Efficiency ratio | 69.2511% | 4,460 |
| Assets per employee ($millions) | 4.6043% | 2,792 |
| Cash dividends to net income (ytd only)* | 65.2963% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 3,762 |
| Loan loss allowance to noncurrent loans | 82.9025% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 1.1945% | 4,787 |
| Noncurrent loans to loans | 1.8428% | 4,004 |
| Net loans and leases to total assets | 62.6589% | 4,625 |
| Net loans and leases to deposits | 76.6875% | 4,287 |
| Net loans and leases to core deposits | 80.7465% | 4,667 |
| Total domestic deposits to total assets | 81.7068% | 5,194 |
| Equity capital to assets | 9.8098% | 4,094 |
| Core capital (leverage) ratio | 7.6746% | 6,654 |
| Tier 1 risk-based capital ratio | 12.2278% | 4,969 |
| Total risk-based capital ratio | 13.4759% | 4,944 |
| Memoranda: | ||
| Average total assets | $414,837,000 | 1,683 |
| Average earning assets | $387,946,000 | 1,638 |
| Average equity | $40,836,000 | 1,638 |
| Average total loans | $268,065,000 | 1,752 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3371% | 4,996 |
| Cost of funding earning assets | 1.8926% | 3,500 |
| Net interest margin | 3.4445% | 5,197 |
| Noninterest income to average assets | 0.5188% | 4,272 |
| Noninterest expense to average assets | 2.8155% | 4,902 |
| Loan and lease loss provision to assets | 0.0908% | 6,694 |
| Net operating income to assets | 0.6887% | 2,982 |
| Return on assets (ROA) | 0.6887% | 3,046 |
| Pretax return on assets | 0.8257% | 3,164 |
| Return on Equity (ROE) | 6.7957% | 2,873 |
| Retained earnings to average equity (ytd only) | 4.1213% | 2,330 |
| Net charge-offs to loans | 0.0663% | 6,447 |
| Credit loss provision to net charge-offs | 204.5455% | 1,890 |
| Earnings coverage of net charge-offs (x) | 20.6364% | 1,033 |
| Efficiency ratio | 75.4412% | 3,628 |
| Assets per employee ($millions) | 4.3690% | 3,167 |
| Cash dividends to net income (ytd only)* | 39.3551% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 3,583 |
| Loan loss allowance to noncurrent loans | 76.0753% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.3434% | 4,412 |
| Noncurrent loans to loans | 2.0099% | 3,636 |
| Net loans and leases to total assets | 64.6243% | 4,464 |
| Net loans and leases to deposits | 80.6474% | 3,865 |
| Net loans and leases to core deposits | 90.9849% | 5,013 |
| Total domestic deposits to total assets | 80.1319% | 5,638 |
| Equity capital to assets | 9.8787% | 3,914 |
| Core capital (leverage) ratio | 7.7840% | 6,473 |
| Tier 1 risk-based capital ratio | 11.9243% | 5,011 |
| Total risk-based capital ratio | 13.1787% | 4,954 |
| Memoranda: | ||
| Average total assets | $396,269,400 | 1,733 |
| Average earning assets | $369,659,200 | 1,707 |
| Average equity | $40,157,600 | 1,664 |
| Average total loans | $265,386,400 | 1,805 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3873% | 5,011 |
| Cost of funding earning assets | 1.9702% | 3,515 |
| Net interest margin | 3.4171% | 5,188 |
| Noninterest income to average assets | 0.5232% | 4,292 |
| Noninterest expense to average assets | 2.7911% | 4,931 |
| Loan and lease loss provision to assets | 0.0917% | 6,449 |
| Net operating income to assets | 0.6940% | 3,230 |
| Return on assets (ROA) | 0.6940% | 3,285 |
| Pretax return on assets | 0.8248% | 3,457 |
| Return on Equity (ROE) | 6.8039% | 3,162 |
| Retained earnings to average equity (ytd only) | 6.8039% | 1,587 |
| Net charge-offs to loans | 0.0812% | 5,867 |
| Credit loss provision to net charge-offs | 167.7019% | 2,795 |
| Earnings coverage of net charge-offs (x) | 16.7641% | 1,448 |
| Efficiency ratio | 75.2816% | 3,640 |
| Assets per employee ($millions) | 4.3226% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 3,426 |
| Loan loss allowance to noncurrent loans | 74.8013% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.4686% | 4,174 |
| Noncurrent loans to loans | 2.0082% | 3,631 |
| Net loans and leases to total assets | 67.4431% | 4,078 |
| Net loans and leases to deposits | 86.0384% | 3,308 |
| Net loans and leases to core deposits | 98.8155% | 4,512 |
| Total domestic deposits to total assets | 78.3873% | 5,982 |
| Equity capital to assets | 10.6020% | 3,401 |
| Core capital (leverage) ratio | 8.0008% | 6,353 |
| Tier 1 risk-based capital ratio | 12.1721% | 4,819 |
| Total risk-based capital ratio | 13.4193% | 4,771 |
| Memoranda: | ||
| Average total assets | $392,666,000 | 1,762 |
| Average earning assets | $365,911,500 | 1,736 |
| Average equity | $40,054,500 | 1,693 |
| Average total loans | $264,352,500 | 1,825 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3596% | 5,359 |
| Cost of funding earning assets | 2.0281% | 3,639 |
| Net interest margin | 3.3314% | 5,431 |
| Noninterest income to average assets | 0.5382% | 4,122 |
| Noninterest expense to average assets | 2.7679% | 5,099 |
| Loan and lease loss provision to assets | 0.0917% | 6,251 |
| Net operating income to assets | 0.6799% | 3,343 |
| Return on assets (ROA) | 0.6799% | 3,461 |
| Pretax return on assets | 0.7986% | 3,680 |
| Return on Equity (ROE) | 6.7536% | 3,303 |
| Retained earnings to average equity (ytd only) | 6.7536% | 1,679 |
| Net charge-offs to loans | 0.0914% | 5,274 |
| Credit loss provision to net charge-offs | 150.0000% | 3,068 |
| Earnings coverage of net charge-offs (x) | 14.5583% | 1,642 |
| Efficiency ratio | 75.6617% | 3,749 |
| Assets per employee ($millions) | 4.2894% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5220% | 3,080 |
| Loan loss allowance to noncurrent loans | 66.3843% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.5865% | 3,835 |
| Noncurrent loans to loans | 2.2927% | 3,146 |
| Net loans and leases to total assets | 64.1394% | 4,953 |
| Net loans and leases to deposits | 81.7197% | 4,269 |
| Net loans and leases to core deposits | 93.9492% | 5,123 |
| Total domestic deposits to total assets | 78.4870% | 5,956 |
| Equity capital to assets | 9.9028% | 4,080 |
| Core capital (leverage) ratio | 7.8283% | 6,578 |
| Tier 1 risk-based capital ratio | 12.0036% | 4,911 |
| Total risk-based capital ratio | 13.2512% | 4,836 |
| Memoranda: | ||
| Average total assets | $392,434,330 | 1,790 |
| Average earning assets | $367,528,330 | 1,746 |
| Average equity | $39,504,670 | 1,720 |
| Average total loans | $262,689,670 | 1,872 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4762% | 5,035 |
| Cost of funding earning assets | 2.1189% | 3,564 |
| Net interest margin | 3.3573% | 5,296 |
| Noninterest income to average assets | 0.4578% | 4,700 |
| Noninterest expense to average assets | 2.6994% | 5,010 |
| Loan and lease loss provision to assets | 0.0930% | 5,766 |
| Net operating income to assets | 0.6873% | 3,618 |
| Return on assets (ROA) | 0.6873% | 3,799 |
| Pretax return on assets | 0.7978% | 4,085 |
| Return on Equity (ROE) | 6.7697% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.7697% | 2,303 |
| Net charge-offs to loans | 0.1127% | 4,070 |
| Credit loss provision to net charge-offs | 121.6216% | 3,237 |
| Earnings coverage of net charge-offs (x) | 11.6486% | 1,863 |
| Efficiency ratio | 75.1871% | 3,623 |
| Assets per employee ($millions) | 4.2934% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5130% | 2,903 |
| Loan loss allowance to noncurrent loans | 71.8989% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.4103% | 3,828 |
| Noncurrent loans to loans | 2.1044% | 3,113 |
| Net loans and leases to total assets | 64.4421% | 4,910 |
| Net loans and leases to deposits | 82.5935% | 4,194 |
| Net loans and leases to core deposits | 97.3214% | 4,816 |
| Total domestic deposits to total assets | 78.0232% | 6,008 |
| Equity capital to assets | 9.8840% | 4,137 |
| Core capital (leverage) ratio | 7.9942% | 6,456 |
| Tier 1 risk-based capital ratio | 11.7302% | 5,187 |
| Total risk-based capital ratio | 12.9777% | 5,109 |
| Memoranda: | ||
| Average total assets | $387,047,500 | 1,816 |
| Average earning assets | $361,128,500 | 1,786 |
| Average equity | $39,292,500 | 1,729 |
| Average total loans | $262,728,500 | 1,886 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8919% | 6,076 |
| Cost of funding earning assets | 2.3375% | 4,982 |
| Net interest margin | 3.5544% | 5,076 |
| Noninterest income to average assets | 0.5191% | 4,474 |
| Noninterest expense to average assets | 2.7355% | 5,107 |
| Loan and lease loss provision to assets | 0.0725% | 6,485 |
| Net operating income to assets | 0.9740% | 2,672 |
| Return on assets (ROA) | 0.8143% | 3,211 |
| Pretax return on assets | 0.8476% | 3,894 |
| Return on Equity (ROE) | 8.1451% | 3,010 |
| Retained earnings to average equity (ytd only) | 5.2886% | 1,866 |
| Net charge-offs to loans | 0.0977% | 5,347 |
| Credit loss provision to net charge-offs | 107.5697% | 4,988 |
| Earnings coverage of net charge-offs (x) | 16.1116% | 1,872 |
| Efficiency ratio | 71.5732% | 4,017 |
| Assets per employee ($millions) | 4.1187% | 3,275 |
| Cash dividends to net income (ytd only)* | 35.0709% | 3,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 2,746 |
| Loan loss allowance to noncurrent loans | 66.9444% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 1.5710% | 3,100 |
| Noncurrent loans to loans | 2.2260% | 2,473 |
| Net loans and leases to total assets | 69.4377% | 4,158 |
| Net loans and leases to deposits | 88.2966% | 3,758 |
| Net loans and leases to core deposits | 103.2389% | 4,476 |
| Total domestic deposits to total assets | 78.6414% | 5,505 |
| Equity capital to assets | 10.4372% | 3,571 |
| Core capital (leverage) ratio | 8.0584% | 6,392 |
| Tier 1 risk-based capital ratio | 11.8378% | 4,952 |
| Total risk-based capital ratio | 13.1435% | 4,809 |
| Memoranda: | ||
| Average total assets | $372,211,600 | 1,806 |
| Average earning assets | $345,882,400 | 1,789 |
| Average equity | $37,212,400 | 1,823 |
| Average total loans | $256,808,800 | 1,866 |