Home > Atlantic Stewardship Bank > Performance and Condition Ratios
Atlantic Stewardship Bank, Performance and Condition Ratios
| 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 | 4.2958% | 3,667 |
| Cost of funding earning assets | 0.9562% | 1,964 |
| Net interest margin | 3.3396% | 4,013 |
| Noninterest income to average assets | 0.3870% | 3,394 |
| Noninterest expense to average assets | 2.3265% | 3,881 |
| Loan and lease loss provision to assets | 0.0467% | 2,963 |
| Net operating income to assets | 0.8581% | 3,490 |
| Return on assets (ROA) | 0.8656% | 3,545 |
| Pretax return on assets | 1.1663% | 3,082 |
| Return on Equity (ROE) | 8.1918% | 3,230 |
| Retained earnings to average equity (ytd only) | 6.2461% | 2,250 |
| Net charge-offs to loans | -0.0169% | 4,543 |
| Credit loss provision to net charge-offs | -352.6316% | 4,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9059% | 2,739 |
| Assets per employee ($millions) | 7.3591% | 897 |
| Cash dividends to net income (ytd only)* | 23.7521% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 3,065 |
| Loan loss allowance to noncurrent loans | 504.5894% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 3,883 |
| Noncurrent loans to loans | 0.2167% | 3,764 |
| Net loans and leases to total assets | 79.0150% | 987 |
| Net loans and leases to deposits | 97.7329% | 847 |
| Net loans and leases to core deposits | 110.0502% | 949 |
| Total domestic deposits to total assets | 80.8479% | 3,797 |
| Equity capital to assets | 10.9192% | 3,174 |
| Core capital (leverage) ratio | 10.8701% | 2,773 |
| Tier 1 risk-based capital ratio | 12.5014% | 4,144 |
| Total risk-based capital ratio | 13.4994% | 4,165 |
| Memoranda: | ||
| Average total assets | $956,497,500 | 818 |
| Average earning assets | $900,215,500 | 798 |
| Average equity | $101,074,000 | 893 |
| Average total loans | $750,314,500 | 761 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 3,788 |
| Cost of funding earning assets | 0.9407% | 1,964 |
| Net interest margin | 3.3107% | 4,117 |
| Noninterest income to average assets | 0.3668% | 3,483 |
| Noninterest expense to average assets | 2.2889% | 4,034 |
| Loan and lease loss provision to assets | 0.0826% | 2,189 |
| Net operating income to assets | 0.8315% | 3,538 |
| Return on assets (ROA) | 0.8396% | 3,568 |
| Pretax return on assets | 1.1252% | 3,159 |
| Return on Equity (ROE) | 8.0344% | 3,279 |
| Retained earnings to average equity (ytd only) | 5.0828% | 2,726 |
| Net charge-offs to loans | -0.0223% | 4,581 |
| Credit loss provision to net charge-offs | -475.9036% | 4,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6511% | 2,860 |
| Assets per employee ($millions) | 7.0071% | 998 |
| Cash dividends to net income (ytd only)* | 36.7372% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 3,017 |
| Loan loss allowance to noncurrent loans | 440.9234% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 3,781 |
| Noncurrent loans to loans | 0.2518% | 3,632 |
| Net loans and leases to total assets | 77.9734% | 1,222 |
| Net loans and leases to deposits | 95.6713% | 1,072 |
| Net loans and leases to core deposits | 107.9771% | 1,104 |
| Total domestic deposits to total assets | 81.5013% | 3,667 |
| Equity capital to assets | 10.6243% | 3,410 |
| Core capital (leverage) ratio | 10.6769% | 2,906 |
| Tier 1 risk-based capital ratio | 12.3063% | 4,237 |
| Total risk-based capital ratio | 13.3161% | 4,268 |
| Memoranda: | ||
| Average total assets | $956,435,330 | 813 |
| Average earning assets | $901,271,330 | 794 |
| Average equity | $99,944,670 | 899 |
| Average total loans | $745,659,330 | 763 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1827% | 3,918 |
| Cost of funding earning assets | 0.9007% | 1,997 |
| Net interest margin | 3.2820% | 4,204 |
| Noninterest income to average assets | 0.3595% | 3,450 |
| Noninterest expense to average assets | 2.3057% | 4,007 |
| Loan and lease loss provision to assets | 0.0272% | 3,062 |
| Net operating income to assets | 0.8321% | 3,511 |
| Return on assets (ROA) | 0.8401% | 3,524 |
| Pretax return on assets | 1.1267% | 3,061 |
| Return on Equity (ROE) | 8.1074% | 3,217 |
| Retained earnings to average equity (ytd only) | 5.1151% | 2,854 |
| Net charge-offs to loans | -0.0146% | 4,370 |
| Credit loss provision to net charge-offs | -240.7407% | 3,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8408% | 2,819 |
| Assets per employee ($millions) | 7.0876% | 967 |
| Cash dividends to net income (ytd only)* | 36.9077% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 3,267 |
| Loan loss allowance to noncurrent loans | 451.4640% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 3,886 |
| Noncurrent loans to loans | 0.2378% | 3,722 |
| Net loans and leases to total assets | 77.2036% | 1,291 |
| Net loans and leases to deposits | 94.1473% | 1,159 |
| Net loans and leases to core deposits | 106.9340% | 1,108 |
| Total domestic deposits to total assets | 82.0031% | 3,726 |
| Equity capital to assets | 10.4495% | 3,384 |
| Core capital (leverage) ratio | 10.6450% | 2,900 |
| Tier 1 risk-based capital ratio | 12.4664% | 4,193 |
| Total risk-based capital ratio | 13.4553% | 4,219 |
| Memoranda: | ||
| Average total assets | $954,667,000 | 822 |
| Average earning assets | $898,850,500 | 801 |
| Average equity | $98,922,000 | 900 |
| Average total loans | $740,025,500 | 774 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 3,825 |
| Cost of funding earning assets | 0.7095% | 2,033 |
| Net interest margin | 3.3637% | 4,095 |
| Noninterest income to average assets | 0.3712% | 3,612 |
| Noninterest expense to average assets | 2.3304% | 4,045 |
| Loan and lease loss provision to assets | -0.1727% | 5,319 |
| Net operating income to assets | 1.0213% | 2,925 |
| Return on assets (ROA) | 1.0125% | 2,938 |
| Pretax return on assets | 1.3761% | 2,221 |
| Return on Equity (ROE) | 10.0587% | 2,492 |
| Retained earnings to average equity (ytd only) | 7.1906% | 1,583 |
| Net charge-offs to loans | -0.1081% | 5,169 |
| Credit loss provision to net charge-offs | 207.3171% | 1,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7367% | 2,901 |
| Assets per employee ($millions) | 7.1617% | 916 |
| Cash dividends to net income (ytd only)* | 28.5141% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 3,216 |
| Loan loss allowance to noncurrent loans | 513.3420% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 4,016 |
| Noncurrent loans to loans | 0.2105% | 3,823 |
| Net loans and leases to total assets | 76.1571% | 1,584 |
| Net loans and leases to deposits | 92.4994% | 1,473 |
| Net loans and leases to core deposits | 105.2137% | 1,323 |
| Total domestic deposits to total assets | 82.3326% | 3,544 |
| Equity capital to assets | 10.2740% | 3,409 |
| Core capital (leverage) ratio | 10.4923% | 3,034 |
| Tier 1 risk-based capital ratio | 12.5405% | 4,111 |
| Total risk-based capital ratio | 13.5368% | 4,131 |
| Memoranda: | ||
| Average total assets | $935,232,000 | 814 |
| Average earning assets | $882,448,200 | 798 |
| Average equity | $94,137,200 | 899 |
| Average total loans | $720,801,200 | 762 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 3,843 |
| Cost of funding earning assets | 0.6687% | 2,040 |
| Net interest margin | 3.3619% | 4,129 |
| Noninterest income to average assets | 0.3608% | 3,721 |
| Noninterest expense to average assets | 2.3240% | 4,040 |
| Loan and lease loss provision to assets | -0.2299% | 5,414 |
| Net operating income to assets | 1.0671% | 2,801 |
| Return on assets (ROA) | 1.0524% | 2,872 |
| Pretax return on assets | 1.4229% | 2,143 |
| Return on Equity (ROE) | 10.5112% | 2,387 |
| Retained earnings to average equity (ytd only) | 7.3641% | 1,947 |
| Net charge-offs to loans | -0.1388% | 5,228 |
| Credit loss provision to net charge-offs | 214.8594% | 1,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7296% | 2,918 |
| Assets per employee ($millions) | 6.5980% | 1,138 |
| Cash dividends to net income (ytd only)* | 29.9401% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 3,284 |
| Loan loss allowance to noncurrent loans | 621.8725% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 4,280 |
| Noncurrent loans to loans | 0.1744% | 4,110 |
| Net loans and leases to total assets | 76.4263% | 1,596 |
| Net loans and leases to deposits | 91.6151% | 1,669 |
| Net loans and leases to core deposits | 102.5110% | 1,566 |
| Total domestic deposits to total assets | 83.4210% | 3,159 |
| Equity capital to assets | 10.1144% | 3,525 |
| Core capital (leverage) ratio | 10.3749% | 3,206 |
| Tier 1 risk-based capital ratio | 12.4616% | 4,218 |
| Total risk-based capital ratio | 13.4656% | 4,258 |
| Memoranda: | ||
| Average total assets | $930,912,500 | 816 |
| Average earning assets | $879,126,250 | 804 |
| Average equity | $93,206,250 | 898 |
| Average total loans | $717,669,000 | 760 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9756% | 3,857 |
| Cost of funding earning assets | 0.6384% | 1,995 |
| Net interest margin | 3.3372% | 4,139 |
| Noninterest income to average assets | 0.3572% | 3,769 |
| Noninterest expense to average assets | 2.3209% | 4,097 |
| Loan and lease loss provision to assets | -0.2406% | 5,482 |
| Net operating income to assets | 1.0588% | 2,762 |
| Return on assets (ROA) | 1.0424% | 2,841 |
| Pretax return on assets | 1.4047% | 2,126 |
| Return on Equity (ROE) | 10.4472% | 2,361 |
| Retained earnings to average equity (ytd only) | 7.5164% | 1,837 |
| Net charge-offs to loans | -0.1978% | 5,323 |
| Credit loss provision to net charge-offs | 157.9320% | 1,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2029% | 2,936 |
| Assets per employee ($millions) | 6.7436% | 1,049 |
| Cash dividends to net income (ytd only)* | 28.0538% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 2,949 |
| Loan loss allowance to noncurrent loans | 651.0522% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 4,306 |
| Noncurrent loans to loans | 0.1776% | 4,109 |
| Net loans and leases to total assets | 76.1630% | 1,611 |
| Net loans and leases to deposits | 90.0705% | 1,833 |
| Net loans and leases to core deposits | 100.7528% | 1,674 |
| Total domestic deposits to total assets | 84.5592% | 2,849 |
| Equity capital to assets | 10.0277% | 3,595 |
| Core capital (leverage) ratio | 10.3573% | 3,176 |
| Tier 1 risk-based capital ratio | 12.3514% | 4,273 |
| Total risk-based capital ratio | 13.4218% | 4,269 |
| Memoranda: | ||
| Average total assets | $926,714,000 | 820 |
| Average earning assets | $874,334,000 | 810 |
| Average equity | $92,465,000 | 902 |
| Average total loans | $713,894,670 | 768 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9278% | 3,853 |
| Cost of funding earning assets | 0.6099% | 1,987 |
| Net interest margin | 3.3179% | 4,139 |
| Noninterest income to average assets | 0.3377% | 3,899 |
| Noninterest expense to average assets | 2.3195% | 4,145 |
| Loan and lease loss provision to assets | -0.1454% | 5,527 |
| Net operating income to assets | 0.9633% | 3,016 |
| Return on assets (ROA) | 0.9403% | 3,122 |
| Pretax return on assets | 1.2616% | 2,510 |
| Return on Equity (ROE) | 9.4482% | 2,696 |
| Retained earnings to average equity (ytd only) | 3.9913% | 3,596 |
| Net charge-offs to loans | -0.0101% | 4,255 |
| Credit loss provision to net charge-offs | 1,861.1111% | 204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9465% | 3,015 |
| Assets per employee ($millions) | 6.9032% | 1,001 |
| Cash dividends to net income (ytd only)* | 57.7562% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 2,844 |
| Loan loss allowance to noncurrent loans | 743.3979% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 4,469 |
| Noncurrent loans to loans | 0.1605% | 4,259 |
| Net loans and leases to total assets | 76.1633% | 1,511 |
| Net loans and leases to deposits | 90.4861% | 1,633 |
| Net loans and leases to core deposits | 100.8908% | 1,624 |
| Total domestic deposits to total assets | 84.1713% | 3,256 |
| Equity capital to assets | 9.9889% | 3,602 |
| Core capital (leverage) ratio | 10.2177% | 3,281 |
| Tier 1 risk-based capital ratio | 12.2865% | 4,389 |
| Total risk-based capital ratio | 13.3928% | 4,360 |
| Memoranda: | ||
| Average total assets | $921,393,000 | 835 |
| Average earning assets | $868,384,500 | 818 |
| Average equity | $91,700,000 | 916 |
| Average total loans | $709,706,500 | 771 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9087% | 3,694 |
| Cost of funding earning assets | 0.5298% | 2,101 |
| Net interest margin | 3.3790% | 3,913 |
| Noninterest income to average assets | 0.3698% | 3,823 |
| Noninterest expense to average assets | 2.2791% | 4,390 |
| Loan and lease loss provision to assets | 0.0748% | 2,704 |
| Net operating income to assets | 0.5838% | 4,083 |
| Return on assets (ROA) | 0.5838% | 4,126 |
| Pretax return on assets | 1.1977% | 2,779 |
| Return on Equity (ROE) | 6.1146% | 3,711 |
| Retained earnings to average equity (ytd only) | 3.4606% | 3,206 |
| Net charge-offs to loans | -0.0301% | 5,066 |
| Credit loss provision to net charge-offs | -324.2574% | 4,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1692% | 3,579 |
| Assets per employee ($millions) | 7.1128% | 925 |
| Cash dividends to net income (ytd only)* | 43.4051% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,593 |
| Loan loss allowance to noncurrent loans | 733.8358% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 4,482 |
| Noncurrent loans to loans | 0.1678% | 4,252 |
| Net loans and leases to total assets | 76.0205% | 1,590 |
| Net loans and leases to deposits | 91.9369% | 1,536 |
| Net loans and leases to core deposits | 100.7334% | 1,657 |
| Total domestic deposits to total assets | 82.6877% | 3,663 |
| Equity capital to assets | 9.9160% | 3,795 |
| Core capital (leverage) ratio | 10.1078% | 3,309 |
| Tier 1 risk-based capital ratio | 12.2330% | 4,374 |
| Total risk-based capital ratio | 13.3888% | 4,334 |
| Memoranda: | ||
| Average total assets | $875,225,200 | 852 |
| Average earning assets | $824,153,200 | 835 |
| Average equity | $83,570,400 | 969 |
| Average total loans | $671,065,800 | 776 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8971% | 3,689 |
| Cost of funding earning assets | 0.5113% | 2,176 |
| Net interest margin | 3.3858% | 3,900 |
| Noninterest income to average assets | 0.3721% | 3,865 |
| Noninterest expense to average assets | 2.3135% | 4,263 |
| Loan and lease loss provision to assets | 0.0896% | 2,284 |
| Net operating income to assets | 0.7367% | 3,783 |
| Return on assets (ROA) | 0.7367% | 3,860 |
| Pretax return on assets | 1.1583% | 3,078 |
| Return on Equity (ROE) | 7.7963% | 3,237 |
| Retained earnings to average equity (ytd only) | 4.5784% | 3,160 |
| Net charge-offs to loans | -0.0260% | 4,943 |
| Credit loss provision to net charge-offs | -449.6124% | 4,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9601% | 3,382 |
| Assets per employee ($millions) | 6.9202% | 983 |
| Cash dividends to net income (ytd only)* | 41.2751% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,672 |
| Loan loss allowance to noncurrent loans | 1,068.7345% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0889% | 4,793 |
| Noncurrent loans to loans | 0.1164% | 4,591 |
| Net loans and leases to total assets | 75.4078% | 1,693 |
| Net loans and leases to deposits | 92.2003% | 1,543 |
| Net loans and leases to core deposits | 101.8729% | 1,556 |
| Total domestic deposits to total assets | 81.7870% | 3,836 |
| Equity capital to assets | 10.1382% | 3,759 |
| Core capital (leverage) ratio | 10.0620% | 3,492 |
| Tier 1 risk-based capital ratio | 12.3950% | 4,384 |
| Total risk-based capital ratio | 13.5530% | 4,336 |
| Memoranda: | ||
| Average total assets | $862,866,750 | 869 |
| Average earning assets | $812,783,000 | 851 |
| Average equity | $81,540,750 | 999 |
| Average total loans | $660,909,250 | 792 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8487% | 3,723 |
| Cost of funding earning assets | 0.4795% | 2,331 |
| Net interest margin | 3.3692% | 3,879 |
| Noninterest income to average assets | 0.3730% | 3,890 |
| Noninterest expense to average assets | 2.3616% | 4,176 |
| Loan and lease loss provision to assets | 0.1320% | 1,581 |
| Net operating income to assets | 0.6707% | 3,976 |
| Return on assets (ROA) | 0.6707% | 4,036 |
| Pretax return on assets | 1.0503% | 3,371 |
| Return on Equity (ROE) | 7.2869% | 3,405 |
| Retained earnings to average equity (ytd only) | 4.1672% | 3,226 |
| Net charge-offs to loans | -0.0261% | 4,896 |
| Credit loss provision to net charge-offs | -658.8235% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6378% | 3,240 |
| Assets per employee ($millions) | 6.9954% | 938 |
| Cash dividends to net income (ytd only)* | 42.8120% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 2,792 |
| Loan loss allowance to noncurrent loans | 746.0733% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 4,686 |
| Noncurrent loans to loans | 0.1656% | 4,451 |
| Net loans and leases to total assets | 75.1717% | 1,667 |
| Net loans and leases to deposits | 94.7337% | 1,200 |
| Net loans and leases to core deposits | 106.2627% | 1,213 |
| Total domestic deposits to total assets | 79.3505% | 4,547 |
| Equity capital to assets | 9.9554% | 3,964 |
| Core capital (leverage) ratio | 10.4008% | 3,024 |
| Tier 1 risk-based capital ratio | 12.2493% | 4,461 |
| Total risk-based capital ratio | 13.4006% | 4,412 |
| Memoranda: | ||
| Average total assets | $848,307,670 | 892 |
| Average earning assets | $798,409,670 | 871 |
| Average equity | $78,085,330 | 1,033 |
| Average total loans | $650,472,670 | 810 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8583% | 3,556 |
| Cost of funding earning assets | 0.4550% | 2,486 |
| Net interest margin | 3.4033% | 3,645 |
| Noninterest income to average assets | 0.3830% | 3,787 |
| Noninterest expense to average assets | 2.4643% | 3,927 |
| Loan and lease loss provision to assets | 0.1467% | 1,274 |
| Net operating income to assets | 0.6246% | 4,043 |
| Return on assets (ROA) | 0.6246% | 4,095 |
| Pretax return on assets | 0.9773% | 3,472 |
| Return on Equity (ROE) | 7.1082% | 3,358 |
| Retained earnings to average equity (ytd only) | 1.6254% | 4,454 |
| Net charge-offs to loans | -0.0260% | 4,866 |
| Credit loss provision to net charge-offs | -731.7073% | 4,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6750% | 3,100 |
| Assets per employee ($millions) | 6.5286% | 1,173 |
| Cash dividends to net income (ytd only)* | 77.1339% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 2,759 |
| Loan loss allowance to noncurrent loans | 1,392.9054% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 4,793 |
| Noncurrent loans to loans | 0.0904% | 4,834 |
| Net loans and leases to total assets | 76.7509% | 1,297 |
| Net loans and leases to deposits | 92.1339% | 1,317 |
| Net loans and leases to core deposits | 103.7899% | 1,236 |
| Total domestic deposits to total assets | 83.3036% | 3,735 |
| Equity capital to assets | 8.5680% | 5,188 |
| Core capital (leverage) ratio | 8.9257% | 4,819 |
| Tier 1 risk-based capital ratio | 10.3975% | 5,591 |
| Total risk-based capital ratio | 11.5755% | 5,549 |
| Memoranda: | ||
| Average total assets | $817,763,500 | 926 |
| Average earning assets | $770,190,500 | 905 |
| Average equity | $71,861,000 | 1,109 |
| Average total loans | $629,630,000 | 834 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 3,665 |
| Cost of funding earning assets | 0.4292% | 2,712 |
| Net interest margin | 3.4459% | 3,642 |
| Noninterest income to average assets | 0.4351% | 3,649 |
| Noninterest expense to average assets | 2.6307% | 3,585 |
| Loan and lease loss provision to assets | -0.1810% | 5,769 |
| Net operating income to assets | 0.7854% | 3,374 |
| Return on assets (ROA) | 0.7908% | 3,450 |
| Pretax return on assets | 1.2322% | 2,542 |
| Return on Equity (ROE) | 8.4161% | 2,731 |
| Retained earnings to average equity (ytd only) | 5.6978% | 1,886 |
| Net charge-offs to loans | -0.0785% | 5,516 |
| Credit loss provision to net charge-offs | 312.5000% | 952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6147% | 2,649 |
| Assets per employee ($millions) | 6.1026% | 1,404 |
| Cash dividends to net income (ytd only)* | 32.2991% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 2,506 |
| Loan loss allowance to noncurrent loans | 1,304.4554% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 4,806 |
| Noncurrent loans to loans | 0.1002% | 4,835 |
| Net loans and leases to total assets | 75.2165% | 1,654 |
| Net loans and leases to deposits | 90.5215% | 1,627 |
| Net loans and leases to core deposits | 98.5961% | 1,732 |
| Total domestic deposits to total assets | 83.0924% | 3,742 |
| Equity capital to assets | 9.0206% | 4,793 |
| Core capital (leverage) ratio | 9.3198% | 4,329 |
| Tier 1 risk-based capital ratio | 11.1265% | 5,271 |
| Total risk-based capital ratio | 12.3421% | 5,183 |
| Memoranda: | ||
| Average total assets | $745,845,400 | 970 |
| Average earning assets | $700,915,000 | 951 |
| Average equity | $70,079,800 | 1,128 |
| Average total loans | $550,350,200 | 904 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8943% | 3,605 |
| Cost of funding earning assets | 0.4393% | 2,647 |
| Net interest margin | 3.4551% | 3,650 |
| Noninterest income to average assets | 0.4234% | 3,742 |
| Noninterest expense to average assets | 2.6683% | 3,432 |
| Loan and lease loss provision to assets | -0.1907% | 5,865 |
| Net operating income to assets | 0.7673% | 3,524 |
| Return on assets (ROA) | 0.7744% | 3,630 |
| Pretax return on assets | 1.2031% | 2,824 |
| Return on Equity (ROE) | 8.1537% | 2,930 |
| Retained earnings to average equity (ytd only) | 4.7013% | 3,016 |
| Net charge-offs to loans | -0.0936% | 5,549 |
| Credit loss provision to net charge-offs | 278.5146% | 1,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7142% | 2,470 |
| Assets per employee ($millions) | 5.6790% | 1,690 |
| Cash dividends to net income (ytd only)* | 42.3411% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 1,860 |
| Loan loss allowance to noncurrent loans | 877.2874% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 4,512 |
| Noncurrent loans to loans | 0.1682% | 4,685 |
| Net loans and leases to total assets | 72.0433% | 2,191 |
| Net loans and leases to deposits | 84.1662% | 2,464 |
| Net loans and leases to core deposits | 91.7597% | 2,412 |
| Total domestic deposits to total assets | 85.5965% | 2,559 |
| Equity capital to assets | 9.4463% | 4,717 |
| Core capital (leverage) ratio | 9.3622% | 4,375 |
| Tier 1 risk-based capital ratio | 11.8170% | 4,907 |
| Total risk-based capital ratio | 13.0687% | 4,801 |
| Memoranda: | ||
| Average total assets | $733,971,000 | 982 |
| Average earning assets | $689,600,250 | 966 |
| Average equity | $69,708,750 | 1,137 |
| Average total loans | $536,780,250 | 919 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9442% | 3,452 |
| Cost of funding earning assets | 0.4458% | 2,611 |
| Net interest margin | 3.4984% | 3,497 |
| Noninterest income to average assets | 0.4246% | 3,696 |
| Noninterest expense to average assets | 2.6861% | 3,438 |
| Loan and lease loss provision to assets | -0.2201% | 5,943 |
| Net operating income to assets | 0.8013% | 3,304 |
| Return on assets (ROA) | 0.8112% | 3,390 |
| Pretax return on assets | 1.2605% | 2,561 |
| Return on Equity (ROE) | 8.5249% | 2,736 |
| Retained earnings to average equity (ytd only) | 4.8957% | 2,799 |
| Net charge-offs to loans | -0.1373% | 5,718 |
| Credit loss provision to net charge-offs | 219.1781% | 1,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3808% | 2,599 |
| Assets per employee ($millions) | 5.5654% | 1,731 |
| Cash dividends to net income (ytd only)* | 42.5712% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5585% | 1,651 |
| Loan loss allowance to noncurrent loans | 883.8778% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 4,529 |
| Noncurrent loans to loans | 0.1763% | 4,727 |
| Net loans and leases to total assets | 71.5760% | 2,235 |
| Net loans and leases to deposits | 84.4982% | 2,408 |
| Net loans and leases to core deposits | 90.8750% | 2,449 |
| Total domestic deposits to total assets | 84.7071% | 3,001 |
| Equity capital to assets | 9.5359% | 4,729 |
| Core capital (leverage) ratio | 9.5169% | 4,186 |
| Tier 1 risk-based capital ratio | 12.2815% | 4,659 |
| Total risk-based capital ratio | 13.5346% | 4,575 |
| Memoranda: | ||
| Average total assets | $726,860,000 | 994 |
| Average earning assets | $682,833,000 | 975 |
| Average equity | $69,162,330 | 1,143 |
| Average total loans | $531,608,330 | 920 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8217% | 3,868 |
| Cost of funding earning assets | 0.4496% | 2,591 |
| Net interest margin | 3.3720% | 3,971 |
| Noninterest income to average assets | 0.4282% | 3,629 |
| Noninterest expense to average assets | 2.6948% | 3,433 |
| Loan and lease loss provision to assets | -0.1944% | 6,022 |
| Net operating income to assets | 0.7095% | 3,666 |
| Return on assets (ROA) | 0.7181% | 3,736 |
| Pretax return on assets | 1.1108% | 3,051 |
| Return on Equity (ROE) | 7.5558% | 3,158 |
| Retained earnings to average equity (ytd only) | 2.8984% | 4,068 |
| Net charge-offs to loans | -0.0507% | 5,339 |
| Credit loss provision to net charge-offs | 522.3881% | 586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8997% | 2,341 |
| Assets per employee ($millions) | 5.4042% | 1,920 |
| Cash dividends to net income (ytd only)* | 61.6396% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 1,565 |
| Loan loss allowance to noncurrent loans | 370.6597% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.4580% | 3,760 |
| Noncurrent loans to loans | 0.4358% | 3,880 |
| Net loans and leases to total assets | 71.8327% | 2,070 |
| Net loans and leases to deposits | 84.9123% | 2,204 |
| Net loans and leases to core deposits | 91.8822% | 2,195 |
| Total domestic deposits to total assets | 84.5963% | 3,280 |
| Equity capital to assets | 9.5381% | 4,636 |
| Core capital (leverage) ratio | 9.5223% | 4,157 |
| Tier 1 risk-based capital ratio | 12.4734% | 4,596 |
| Total risk-based capital ratio | 13.7275% | 4,504 |
| Memoranda: | ||
| Average total assets | $720,189,500 | 1,001 |
| Average earning assets | $676,980,000 | 983 |
| Average equity | $68,451,000 | 1,148 |
| Average total loans | $528,315,500 | 928 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9296% | 3,601 |
| Cost of funding earning assets | 0.4458% | 2,671 |
| Net interest margin | 3.4838% | 3,582 |
| Noninterest income to average assets | 0.4590% | 3,598 |
| Noninterest expense to average assets | 2.8398% | 3,071 |
| Loan and lease loss provision to assets | -0.1965% | 5,983 |
| Net operating income to assets | 0.6983% | 3,820 |
| Return on assets (ROA) | 0.7139% | 3,854 |
| Pretax return on assets | 1.0969% | 3,082 |
| Return on Equity (ROE) | 7.5520% | 3,215 |
| Retained earnings to average equity (ytd only) | 4.9626% | 2,448 |
| Net charge-offs to loans | -0.1181% | 5,822 |
| Credit loss provision to net charge-offs | 230.7047% | 1,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4170% | 2,205 |
| Assets per employee ($millions) | 5.3449% | 1,957 |
| Cash dividends to net income (ytd only)* | 34.2874% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6713% | 1,413 |
| Loan loss allowance to noncurrent loans | 468.8098% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.3856% | 4,051 |
| Noncurrent loans to loans | 0.3565% | 4,180 |
| Net loans and leases to total assets | 72.4757% | 1,973 |
| Net loans and leases to deposits | 85.6450% | 2,170 |
| Net loans and leases to core deposits | 92.0516% | 2,214 |
| Total domestic deposits to total assets | 84.6234% | 3,244 |
| Equity capital to assets | 9.4707% | 4,588 |
| Core capital (leverage) ratio | 9.4733% | 4,215 |
| Tier 1 risk-based capital ratio | 12.4112% | 4,692 |
| Total risk-based capital ratio | 13.6662% | 4,581 |
| Memoranda: | ||
| Average total assets | $699,808,200 | 993 |
| Average earning assets | $654,288,200 | 975 |
| Average equity | $66,154,400 | 1,145 |
| Average total loans | $504,822,800 | 928 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9064% | 3,729 |
| Cost of funding earning assets | 0.4398% | 2,800 |
| Net interest margin | 3.4666% | 3,685 |
| Noninterest income to average assets | 0.4611% | 3,625 |
| Noninterest expense to average assets | 2.8839% | 2,901 |
| Loan and lease loss provision to assets | -0.2108% | 6,105 |
| Net operating income to assets | 0.6719% | 4,029 |
| Return on assets (ROA) | 0.6911% | 4,054 |
| Pretax return on assets | 1.0546% | 3,392 |
| Return on Equity (ROE) | 7.3140% | 3,458 |
| Retained earnings to average equity (ytd only) | 4.6509% | 3,169 |
| Net charge-offs to loans | -0.0810% | 5,715 |
| Credit loss provision to net charge-offs | 363.0363% | 821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9730% | 1,947 |
| Assets per employee ($millions) | 5.1164% | 2,153 |
| Cash dividends to net income (ytd only)* | 36.4115% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6944% | 1,484 |
| Loan loss allowance to noncurrent loans | 342.0746% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 4,003 |
| Noncurrent loans to loans | 0.4953% | 3,863 |
| Net loans and leases to total assets | 72.3503% | 2,007 |
| Net loans and leases to deposits | 87.0127% | 2,024 |
| Net loans and leases to core deposits | 93.5844% | 2,116 |
| Total domestic deposits to total assets | 83.1491% | 3,753 |
| Equity capital to assets | 9.5256% | 4,724 |
| Core capital (leverage) ratio | 9.4744% | 4,333 |
| Tier 1 risk-based capital ratio | 12.5268% | 4,739 |
| Total risk-based capital ratio | 13.7823% | 4,639 |
| Memoranda: | ||
| Average total assets | $695,707,750 | 1,004 |
| Average earning assets | $649,721,250 | 986 |
| Average equity | $65,735,500 | 1,158 |
| Average total loans | $499,053,250 | 941 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8941% | 3,716 |
| Cost of funding earning assets | 0.4283% | 2,947 |
| Net interest margin | 3.4658% | 3,639 |
| Noninterest income to average assets | 0.4617% | 3,620 |
| Noninterest expense to average assets | 2.8859% | 2,943 |
| Loan and lease loss provision to assets | -0.2022% | 6,182 |
| Net operating income to assets | 0.6676% | 4,042 |
| Return on assets (ROA) | 0.6966% | 4,024 |
| Pretax return on assets | 1.0620% | 3,332 |
| Return on Equity (ROE) | 7.3925% | 3,376 |
| Retained earnings to average equity (ytd only) | 4.5931% | 3,114 |
| Net charge-offs to loans | -0.1613% | 5,955 |
| Credit loss provision to net charge-offs | 176.3224% | 1,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9599% | 2,081 |
| Assets per employee ($millions) | 5.1840% | 2,052 |
| Cash dividends to net income (ytd only)* | 37.8681% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8291% | 1,315 |
| Loan loss allowance to noncurrent loans | 366.2466% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 4,325 |
| Noncurrent loans to loans | 0.4994% | 3,965 |
| Net loans and leases to total assets | 71.3148% | 2,106 |
| Net loans and leases to deposits | 85.1193% | 2,163 |
| Net loans and leases to core deposits | 92.0390% | 2,156 |
| Total domestic deposits to total assets | 83.7822% | 3,656 |
| Equity capital to assets | 9.4491% | 4,714 |
| Core capital (leverage) ratio | 9.5929% | 4,143 |
| Tier 1 risk-based capital ratio | 12.6205% | 4,730 |
| Total risk-based capital ratio | 13.8776% | 4,653 |
| Memoranda: | ||
| Average total assets | $692,255,330 | 1,007 |
| Average earning assets | $647,179,000 | 991 |
| Average equity | $65,228,330 | 1,178 |
| Average total loans | $492,189,330 | 953 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8561% | 3,802 |
| Cost of funding earning assets | 0.4154% | 3,133 |
| Net interest margin | 3.4408% | 3,667 |
| Noninterest income to average assets | 0.4352% | 3,728 |
| Noninterest expense to average assets | 2.8911% | 2,936 |
| Loan and lease loss provision to assets | -0.0581% | 6,172 |
| Net operating income to assets | 0.5497% | 4,479 |
| Return on assets (ROA) | 0.6089% | 4,338 |
| Pretax return on assets | 0.9104% | 3,848 |
| Return on Equity (ROE) | 6.4713% | 3,782 |
| Retained earnings to average equity (ytd only) | 1.8154% | 4,741 |
| Net charge-offs to loans | -0.0810% | 5,755 |
| Credit loss provision to net charge-offs | 102.0408% | 1,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0971% | 2,019 |
| Assets per employee ($millions) | 5.0709% | 2,266 |
| Cash dividends to net income (ytd only)* | 71.9466% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9557% | 1,168 |
| Loan loss allowance to noncurrent loans | 343.1022% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 4,214 |
| Noncurrent loans to loans | 0.5700% | 3,875 |
| Net loans and leases to total assets | 70.3032% | 2,092 |
| Net loans and leases to deposits | 84.9054% | 1,965 |
| Net loans and leases to core deposits | 92.1535% | 1,933 |
| Total domestic deposits to total assets | 82.8017% | 4,236 |
| Equity capital to assets | 9.5195% | 4,730 |
| Core capital (leverage) ratio | 9.5356% | 4,219 |
| Tier 1 risk-based capital ratio | 12.7982% | 4,723 |
| Total risk-based capital ratio | 14.0568% | 4,638 |
| Memoranda: | ||
| Average total assets | $688,462,500 | 1,009 |
| Average earning assets | $644,271,500 | 995 |
| Average equity | $64,778,000 | 1,182 |
| Average total loans | $484,089,500 | 968 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9774% | 3,806 |
| Cost of funding earning assets | 0.4296% | 3,386 |
| Net interest margin | 3.5478% | 3,608 |
| Noninterest income to average assets | 0.3999% | 4,180 |
| Noninterest expense to average assets | 2.9530% | 2,989 |
| Loan and lease loss provision to assets | -0.0074% | 5,907 |
| Net operating income to assets | 0.5174% | 4,741 |
| Return on assets (ROA) | 0.5340% | 4,751 |
| Pretax return on assets | 0.7837% | 4,315 |
| Return on Equity (ROE) | 5.8149% | 4,249 |
| Retained earnings to average equity (ytd only) | 3.2194% | 3,942 |
| Net charge-offs to loans | 0.0594% | 3,654 |
| Credit loss provision to net charge-offs | -19.0114% | 5,347 |
| Earnings coverage of net charge-offs (x) | 19.3080% | 1,791 |
| Efficiency ratio | 79.7067% | 1,980 |
| Assets per employee ($millions) | 4.9454% | 2,390 |
| Cash dividends to net income (ytd only)* | 44.6354% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0117% | 1,091 |
| Loan loss allowance to noncurrent loans | 264.6637% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.7129% | 3,438 |
| Noncurrent loans to loans | 0.7601% | 3,422 |
| Net loans and leases to total assets | 67.5524% | 2,635 |
| Net loans and leases to deposits | 83.9980% | 2,218 |
| Net loans and leases to core deposits | 91.2824% | 2,159 |
| Total domestic deposits to total assets | 80.4215% | 4,901 |
| Equity capital to assets | 9.2999% | 4,951 |
| Core capital (leverage) ratio | 9.2043% | 4,674 |
| Tier 1 risk-based capital ratio | 12.6896% | 4,924 |
| Total risk-based capital ratio | 13.9482% | 4,832 |
| Memoranda: | ||
| Average total assets | $675,418,000 | 988 |
| Average earning assets | $629,175,800 | 977 |
| Average equity | $62,030,400 | 1,178 |
| Average total loans | $442,978,000 | 996 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 4,017 |
| Cost of funding earning assets | 0.4403% | 3,365 |
| Net interest margin | 3.4975% | 3,840 |
| Noninterest income to average assets | 0.3804% | 4,399 |
| Noninterest expense to average assets | 2.9726% | 2,895 |
| Loan and lease loss provision to assets | 0.0497% | 3,389 |
| Net operating income to assets | 0.4329% | 5,134 |
| Return on assets (ROA) | 0.4329% | 5,212 |
| Pretax return on assets | 0.6132% | 4,988 |
| Return on Equity (ROE) | 4.7285% | 4,849 |
| Retained earnings to average equity (ytd only) | 2.3415% | 4,880 |
| Net charge-offs to loans | 0.0218% | 4,080 |
| Credit loss provision to net charge-offs | 352.1127% | 800 |
| Earnings coverage of net charge-offs (x) | 47.0021% | 1,014 |
| Efficiency ratio | 81.7660% | 1,650 |
| Assets per employee ($millions) | 4.8652% | 2,422 |
| Cash dividends to net income (ytd only)* | 50.4819% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2767% | 849 |
| Loan loss allowance to noncurrent loans | 227.6500% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.9717% | 3,023 |
| Noncurrent loans to loans | 1.0001% | 3,070 |
| Net loans and leases to total assets | 64.5304% | 3,105 |
| Net loans and leases to deposits | 77.7394% | 2,978 |
| Net loans and leases to core deposits | 84.7061% | 2,811 |
| Total domestic deposits to total assets | 83.0086% | 4,149 |
| Equity capital to assets | 9.3586% | 4,965 |
| Core capital (leverage) ratio | 9.1416% | 4,866 |
| Tier 1 risk-based capital ratio | 13.0776% | 4,812 |
| Total risk-based capital ratio | 14.3392% | 4,734 |
| Memoranda: | ||
| Average total assets | $671,185,000 | 1,007 |
| Average earning assets | $624,661,000 | 990 |
| Average equity | $61,441,000 | 1,198 |
| Average total loans | $434,397,250 | 1,016 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9578% | 3,906 |
| Cost of funding earning assets | 0.4485% | 3,342 |
| Net interest margin | 3.5094% | 3,744 |
| Noninterest income to average assets | 0.3508% | 4,618 |
| Noninterest expense to average assets | 2.9932% | 2,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4461% | 5,035 |
| Return on assets (ROA) | 0.4461% | 5,110 |
| Pretax return on assets | 0.6223% | 4,885 |
| Return on Equity (ROE) | 4.9101% | 4,719 |
| Retained earnings to average equity (ytd only) | 2.2861% | 4,744 |
| Net charge-offs to loans | 0.0417% | 3,392 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 23.2000% | 1,478 |
| Efficiency ratio | 82.7893% | 1,656 |
| Assets per employee ($millions) | 4.9284% | 2,302 |
| Cash dividends to net income (ytd only)* | 53.4402% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2665% | 937 |
| Loan loss allowance to noncurrent loans | 201.5385% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.9101% | 3,265 |
| Noncurrent loans to loans | 1.1246% | 2,973 |
| Net loans and leases to total assets | 63.2104% | 3,205 |
| Net loans and leases to deposits | 74.7651% | 3,232 |
| Net loans and leases to core deposits | 79.9684% | 3,218 |
| Total domestic deposits to total assets | 84.5453% | 3,703 |
| Equity capital to assets | 9.3372% | 4,937 |
| Core capital (leverage) ratio | 9.1110% | 4,862 |
| Tier 1 risk-based capital ratio | 13.2752% | 4,739 |
| Total risk-based capital ratio | 14.5365% | 4,671 |
| Memoranda: | ||
| Average total assets | $671,112,330 | 1,006 |
| Average earning assets | $624,330,670 | 988 |
| Average equity | $60,976,670 | 1,199 |
| Average total loans | $431,412,000 | 1,019 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9415% | 3,925 |
| Cost of funding earning assets | 0.4577% | 3,340 |
| Net interest margin | 3.4838% | 3,767 |
| Noninterest income to average assets | 0.2281% | 5,527 |
| Noninterest expense to average assets | 2.9913% | 2,890 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3770% | 5,197 |
| Return on assets (ROA) | 0.3770% | 5,270 |
| Pretax return on assets | 0.4783% | 5,232 |
| Return on Equity (ROE) | 4.2078% | 4,926 |
| Retained earnings to average equity (ytd only) | -0.1064% | 5,571 |
| Net charge-offs to loans | 0.1143% | 2,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.5285% | 2,213 |
| Efficiency ratio | 86.2146% | 1,431 |
| Assets per employee ($millions) | 4.7944% | 2,521 |
| Cash dividends to net income (ytd only)* | 102.5276% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3107% | 1,010 |
| Loan loss allowance to noncurrent loans | 193.0219% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 1.0223% | 3,210 |
| Noncurrent loans to loans | 1.1971% | 3,046 |
| Net loans and leases to total assets | 61.6743% | 3,288 |
| Net loans and leases to deposits | 71.8821% | 3,352 |
| Net loans and leases to core deposits | 76.8629% | 3,322 |
| Total domestic deposits to total assets | 85.7991% | 3,468 |
| Equity capital to assets | 9.0410% | 5,070 |
| Core capital (leverage) ratio | 8.9723% | 5,057 |
| Tier 1 risk-based capital ratio | 13.4736% | 4,702 |
| Total risk-based capital ratio | 14.7355% | 4,632 |
| Memoranda: | ||
| Average total assets | $671,540,000 | 1,014 |
| Average earning assets | $624,833,000 | 996 |
| Average equity | $60,173,500 | 1,210 |
| Average total loans | $430,369,500 | 1,027 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1627% | 3,488 |
| Cost of funding earning assets | 0.5166% | 3,435 |
| Net interest margin | 3.6461% | 3,258 |
| Noninterest income to average assets | 0.5407% | 3,470 |
| Noninterest expense to average assets | 2.8481% | 3,537 |
| Loan and lease loss provision to assets | 0.5509% | 481 |
| Net operating income to assets | 0.4207% | 5,075 |
| Return on assets (ROA) | 0.4379% | 5,122 |
| Pretax return on assets | 0.5710% | 4,965 |
| Return on Equity (ROE) | 4.9102% | 4,674 |
| Retained earnings to average equity (ytd only) | 2.4968% | 4,480 |
| Net charge-offs to loans | 1.0199% | 563 |
| Credit loss provision to net charge-offs | 83.8703% | 2,929 |
| Earnings coverage of net charge-offs (x) | 1.6741% | 4,493 |
| Efficiency ratio | 72.1462% | 3,448 |
| Assets per employee ($millions) | 4.8686% | 2,350 |
| Cash dividends to net income (ytd only)* | 49.1503% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2690% | 1,083 |
| Loan loss allowance to noncurrent loans | 97.0251% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.5881% | 2,342 |
| Noncurrent loans to loans | 2.3386% | 1,638 |
| Net loans and leases to total assets | 63.5641% | 3,123 |
| Net loans and leases to deposits | 73.9082% | 3,271 |
| Net loans and leases to core deposits | 79.3546% | 3,200 |
| Total domestic deposits to total assets | 86.0042% | 3,254 |
| Equity capital to assets | 8.8801% | 5,170 |
| Core capital (leverage) ratio | 8.8409% | 5,229 |
| Tier 1 risk-based capital ratio | 13.2136% | 4,843 |
| Total risk-based capital ratio | 14.4751% | 4,778 |
| Memoranda: | ||
| Average total assets | $685,262,400 | 972 |
| Average earning assets | $640,328,800 | 947 |
| Average equity | $61,117,600 | 1,175 |
| Average total loans | $441,307,400 | 967 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 3,517 |
| Cost of funding earning assets | 0.5231% | 3,536 |
| Net interest margin | 3.6408% | 3,277 |
| Noninterest income to average assets | 0.6515% | 2,878 |
| Noninterest expense to average assets | 2.8455% | 3,506 |
| Loan and lease loss provision to assets | 0.6486% | 345 |
| Net operating income to assets | 0.4263% | 5,132 |
| Return on assets (ROA) | 0.4265% | 5,275 |
| Pretax return on assets | 0.5605% | 5,167 |
| Return on Equity (ROE) | 4.7775% | 4,839 |
| Retained earnings to average equity (ytd only) | 2.3378% | 4,928 |
| Net charge-offs to loans | 0.9907% | 577 |
| Credit loss provision to net charge-offs | 101.9166% | 2,301 |
| Earnings coverage of net charge-offs (x) | 1.8993% | 4,192 |
| Efficiency ratio | 70.1848% | 3,731 |
| Assets per employee ($millions) | 4.8085% | 2,428 |
| Cash dividends to net income (ytd only)* | 51.0666% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4304% | 1,011 |
| Loan loss allowance to noncurrent loans | 70.1028% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 2.2889% | 1,722 |
| Noncurrent loans to loans | 3.4670% | 1,104 |
| Net loans and leases to total assets | 62.4920% | 3,264 |
| Net loans and leases to deposits | 74.4162% | 3,171 |
| Net loans and leases to core deposits | 79.3854% | 3,192 |
| Total domestic deposits to total assets | 83.9764% | 4,194 |
| Equity capital to assets | 8.7526% | 5,464 |
| Core capital (leverage) ratio | 8.7954% | 5,423 |
| Tier 1 risk-based capital ratio | 13.1298% | 5,031 |
| Total risk-based capital ratio | 14.3931% | 4,975 |
| Memoranda: | ||
| Average total assets | $688,613,000 | 975 |
| Average earning assets | $643,570,500 | 949 |
| Average equity | $61,481,500 | 1,178 |
| Average total loans | $442,390,000 | 970 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1999% | 3,367 |
| Cost of funding earning assets | 0.5310% | 3,594 |
| Net interest margin | 3.6690% | 3,088 |
| Noninterest income to average assets | 0.7022% | 2,626 |
| Noninterest expense to average assets | 2.8693% | 3,439 |
| Loan and lease loss provision to assets | 0.7112% | 321 |
| Net operating income to assets | 0.4521% | 5,007 |
| Return on assets (ROA) | 0.4526% | 5,176 |
| Pretax return on assets | 0.5565% | 5,179 |
| Return on Equity (ROE) | 5.0360% | 4,715 |
| Retained earnings to average equity (ytd only) | 3.2594% | 4,230 |
| Net charge-offs to loans | 1.0401% | 578 |
| Credit loss provision to net charge-offs | 106.3368% | 2,083 |
| Earnings coverage of net charge-offs (x) | 1.8945% | 3,891 |
| Efficiency ratio | 69.3663% | 3,948 |
| Assets per employee ($millions) | 4.7411% | 2,463 |
| Cash dividends to net income (ytd only)* | 35.2790% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4284% | 1,061 |
| Loan loss allowance to noncurrent loans | 73.3012% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 2.2966% | 1,885 |
| Noncurrent loans to loans | 3.3130% | 1,317 |
| Net loans and leases to total assets | 63.0447% | 3,090 |
| Net loans and leases to deposits | 73.1213% | 3,276 |
| Net loans and leases to core deposits | 78.4219% | 3,235 |
| Total domestic deposits to total assets | 86.2193% | 3,251 |
| Equity capital to assets | 8.7959% | 5,449 |
| Core capital (leverage) ratio | 8.8275% | 5,253 |
| Tier 1 risk-based capital ratio | 13.1852% | 5,000 |
| Total risk-based capital ratio | 14.4485% | 4,935 |
| Memoranda: | ||
| Average total assets | $688,943,330 | 965 |
| Average earning assets | $644,871,000 | 941 |
| Average equity | $61,913,670 | 1,176 |
| Average total loans | $443,049,000 | 963 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2731% | 3,014 |
| Cost of funding earning assets | 0.5447% | 3,622 |
| Net interest margin | 3.7283% | 2,744 |
| Noninterest income to average assets | 0.8352% | 1,980 |
| Noninterest expense to average assets | 2.8111% | 3,656 |
| Loan and lease loss provision to assets | 0.9280% | 208 |
| Net operating income to assets | 0.5539% | 4,435 |
| Return on assets (ROA) | 0.5550% | 4,587 |
| Pretax return on assets | 0.5864% | 5,000 |
| Return on Equity (ROE) | 6.1115% | 3,978 |
| Retained earnings to average equity (ytd only) | 3.8763% | 3,912 |
| Net charge-offs to loans | 0.6590% | 926 |
| Credit loss provision to net charge-offs | 219.4787% | 1,018 |
| Earnings coverage of net charge-offs (x) | 3.5789% | 2,734 |
| Efficiency ratio | 65.0080% | 4,821 |
| Assets per employee ($millions) | 4.7751% | 2,532 |
| Cash dividends to net income (ytd only)* | 36.5726% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5946% | 1,018 |
| Loan loss allowance to noncurrent loans | 65.6740% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 2.6582% | 1,711 |
| Noncurrent loans to loans | 3.9507% | 1,151 |
| Net loans and leases to total assets | 62.4188% | 2,980 |
| Net loans and leases to deposits | 72.5384% | 3,121 |
| Net loans and leases to core deposits | 77.9383% | 3,072 |
| Total domestic deposits to total assets | 86.0493% | 3,502 |
| Equity capital to assets | 9.0659% | 5,413 |
| Core capital (leverage) ratio | 9.0939% | 4,728 |
| Tier 1 risk-based capital ratio | 13.5318% | 4,849 |
| Total risk-based capital ratio | 14.7974% | 4,794 |
| Memoranda: | ||
| Average total assets | $689,685,000 | 973 |
| Average earning assets | $645,440,000 | 947 |
| Average equity | $62,636,500 | 1,178 |
| Average total loans | $442,476,500 | 968 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4179% | 3,745 |
| Cost of funding earning assets | 0.7174% | 3,349 |
| Net interest margin | 3.7005% | 3,642 |
| Noninterest income to average assets | 0.5747% | 3,419 |
| Noninterest expense to average assets | 2.7790% | 4,114 |
| Loan and lease loss provision to assets | 1.4340% | 230 |
| Net operating income to assets | -0.1790% | 6,362 |
| Return on assets (ROA) | 0.1491% | 6,055 |
| Pretax return on assets | 0.1518% | 6,065 |
| Return on Equity (ROE) | 1.6367% | 5,993 |
| Retained earnings to average equity (ytd only) | 0.5734% | 5,563 |
| Net charge-offs to loans | 2.4403% | 255 |
| Credit loss provision to net charge-offs | 91.2119% | 3,424 |
| Earnings coverage of net charge-offs (x) | 0.7958% | 5,076 |
| Efficiency ratio | 68.9569% | 3,981 |
| Assets per employee ($millions) | 4.8379% | 2,435 |
| Cash dividends to net income (ytd only)* | 64.9663% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4115% | 1,215 |
| Loan loss allowance to noncurrent loans | 58.3132% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 2.8103% | 1,703 |
| Noncurrent loans to loans | 4.1355% | 1,109 |
| Net loans and leases to total assets | 62.6828% | 3,124 |
| Net loans and leases to deposits | 72.9157% | 3,267 |
| Net loans and leases to core deposits | 78.7296% | 3,166 |
| Total domestic deposits to total assets | 85.9662% | 3,374 |
| Equity capital to assets | 9.0980% | 5,403 |
| Core capital (leverage) ratio | 8.9132% | 5,027 |
| Tier 1 risk-based capital ratio | 13.3528% | 4,853 |
| Total risk-based capital ratio | 14.6160% | 4,802 |
| Memoranda: | ||
| Average total assets | $697,002,600 | 943 |
| Average earning assets | $650,834,400 | 923 |
| Average equity | $63,479,600 | 1,115 |
| Average total loans | $449,035,800 | 922 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4843% | 3,701 |
| Cost of funding earning assets | 0.7554% | 3,304 |
| Net interest margin | 3.7289% | 3,664 |
| Noninterest income to average assets | 0.6202% | 3,154 |
| Noninterest expense to average assets | 2.7927% | 4,006 |
| Loan and lease loss provision to assets | 1.2704% | 282 |
| Net operating income to assets | 0.0309% | 6,238 |
| Return on assets (ROA) | 0.2209% | 6,038 |
| Pretax return on assets | 0.2947% | 5,965 |
| Return on Equity (ROE) | 2.4250% | 5,909 |
| Retained earnings to average equity (ytd only) | 2.0588% | 5,291 |
| Net charge-offs to loans | 1.6766% | 491 |
| Credit loss provision to net charge-offs | 117.5278% | 2,475 |
| Earnings coverage of net charge-offs (x) | 1.2135% | 4,689 |
| Efficiency ratio | 68.0412% | 4,055 |
| Assets per employee ($millions) | 4.5484% | 2,823 |
| Cash dividends to net income (ytd only)* | 15.0994% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8695% | 826 |
| Loan loss allowance to noncurrent loans | 50.3215% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 4.1069% | 1,168 |
| Noncurrent loans to loans | 5.7023% | 745 |
| Net loans and leases to total assets | 62.5028% | 3,301 |
| Net loans and leases to deposits | 73.0886% | 3,437 |
| Net loans and leases to core deposits | 78.6663% | 3,366 |
| Total domestic deposits to total assets | 85.5164% | 3,501 |
| Equity capital to assets | 9.4106% | 5,316 |
| Core capital (leverage) ratio | 8.8754% | 5,232 |
| Tier 1 risk-based capital ratio | 13.4362% | 4,917 |
| Total risk-based capital ratio | 14.7045% | 4,870 |
| Memoranda: | ||
| Average total assets | $699,509,250 | 949 |
| Average earning assets | $653,609,250 | 927 |
| Average equity | $63,724,250 | 1,122 |
| Average total loans | $450,980,500 | 921 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 3,739 |
| Cost of funding earning assets | 0.7799% | 3,365 |
| Net interest margin | 3.7262% | 3,698 |
| Noninterest income to average assets | 0.7036% | 2,645 |
| Noninterest expense to average assets | 2.7077% | 4,380 |
| Loan and lease loss provision to assets | 1.3229% | 300 |
| Net operating income to assets | 0.1108% | 6,133 |
| Return on assets (ROA) | 0.2002% | 6,100 |
| Pretax return on assets | 0.2793% | 5,994 |
| Return on Equity (ROE) | 2.2214% | 5,978 |
| Retained earnings to average equity (ytd only) | 1.6708% | 5,366 |
| Net charge-offs to loans | 1.9056% | 457 |
| Credit loss provision to net charge-offs | 107.6125% | 2,534 |
| Earnings coverage of net charge-offs (x) | 1.2023% | 4,407 |
| Efficiency ratio | 64.6883% | 4,768 |
| Assets per employee ($millions) | 4.7529% | 2,502 |
| Cash dividends to net income (ytd only)* | 24.7875% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6600% | 1,085 |
| Loan loss allowance to noncurrent loans | 40.1264% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 4.5418% | 1,089 |
| Noncurrent loans to loans | 6.6291% | 619 |
| Net loans and leases to total assets | 62.5061% | 3,338 |
| Net loans and leases to deposits | 73.5275% | 3,372 |
| Net loans and leases to core deposits | 79.2230% | 3,335 |
| Total domestic deposits to total assets | 85.0105% | 3,854 |
| Equity capital to assets | 9.1326% | 5,547 |
| Core capital (leverage) ratio | 8.8002% | 5,211 |
| Tier 1 risk-based capital ratio | 12.8968% | 5,259 |
| Total risk-based capital ratio | 14.1622% | 5,223 |
| Memoranda: | ||
| Average total assets | $705,258,670 | 943 |
| Average earning assets | $659,064,000 | 925 |
| Average equity | $63,564,000 | 1,117 |
| Average total loans | $454,964,000 | 907 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5450% | 3,739 |
| Cost of funding earning assets | 0.8098% | 3,394 |
| Net interest margin | 3.7352% | 3,671 |
| Noninterest income to average assets | 0.6899% | 2,711 |
| Noninterest expense to average assets | 2.7018% | 4,419 |
| Loan and lease loss provision to assets | 0.9964% | 418 |
| Net operating income to assets | 0.3385% | 5,522 |
| Return on assets (ROA) | 0.5120% | 4,986 |
| Pretax return on assets | 0.7226% | 4,720 |
| Return on Equity (ROE) | 5.7186% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.7186% | 3,139 |
| Net charge-offs to loans | 0.2375% | 2,746 |
| Credit loss provision to net charge-offs | 648.8971% | 531 |
| Earnings coverage of net charge-offs (x) | 9.6029% | 1,828 |
| Efficiency ratio | 64.6932% | 4,800 |
| Assets per employee ($millions) | 5.2210% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8777% | 931 |
| Loan loss allowance to noncurrent loans | 48.7657% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 4.3232% | 1,251 |
| Noncurrent loans to loans | 5.9010% | 857 |
| Net loans and leases to total assets | 62.2532% | 3,208 |
| Net loans and leases to deposits | 73.3973% | 3,217 |
| Net loans and leases to core deposits | 78.7311% | 3,229 |
| Total domestic deposits to total assets | 84.8166% | 4,115 |
| Equity capital to assets | 8.9827% | 5,522 |
| Core capital (leverage) ratio | 8.7689% | 5,171 |
| Tier 1 risk-based capital ratio | 12.6580% | 5,478 |
| Total risk-based capital ratio | 13.9254% | 5,429 |
| Memoranda: | ||
| Average total assets | $708,552,500 | 939 |
| Average earning assets | $661,382,000 | 920 |
| Average equity | $63,442,500 | 1,112 |
| Average total loans | $458,123,000 | 897 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8382% | 3,635 |
| Cost of funding earning assets | 0.9902% | 3,450 |
| Net interest margin | 3.8480% | 3,578 |
| Noninterest income to average assets | 0.5634% | 3,402 |
| Noninterest expense to average assets | 2.6290% | 4,990 |
| Loan and lease loss provision to assets | 1.5528% | 468 |
| Net operating income to assets | 0.0013% | 6,035 |
| Return on assets (ROA) | 0.1648% | 5,830 |
| Pretax return on assets | 0.1396% | 5,903 |
| Return on Equity (ROE) | 1.9411% | 5,684 |
| Retained earnings to average equity (ytd only) | 1.9411% | 4,828 |
| Net charge-offs to loans | 1.6712% | 926 |
| Credit loss provision to net charge-offs | 140.2794% | 2,102 |
| Earnings coverage of net charge-offs (x) | 1.3812% | 4,734 |
| Efficiency ratio | 63.2288% | 5,256 |
| Assets per employee ($millions) | 5.1989% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5165% | 1,293 |
| Loan loss allowance to noncurrent loans | 41.8373% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 4.6707% | 1,171 |
| Noncurrent loans to loans | 6.0149% | 827 |
| Net loans and leases to total assets | 63.5759% | 3,273 |
| Net loans and leases to deposits | 75.6546% | 3,227 |
| Net loans and leases to core deposits | 81.1983% | 3,300 |
| Total domestic deposits to total assets | 84.0344% | 4,301 |
| Equity capital to assets | 8.9248% | 5,646 |
| Core capital (leverage) ratio | 8.5746% | 5,434 |
| Tier 1 risk-based capital ratio | 12.2247% | 5,667 |
| Total risk-based capital ratio | 13.4878% | 5,630 |
| Memoranda: | ||
| Average total assets | $698,409,400 | 934 |
| Average earning assets | $652,386,600 | 910 |
| Average equity | $59,295,000 | 1,139 |
| Average total loans | $462,615,000 | 902 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8767% | 3,650 |
| Cost of funding earning assets | 1.0227% | 3,518 |
| Net interest margin | 3.8540% | 3,593 |
| Noninterest income to average assets | 0.5479% | 3,529 |
| Noninterest expense to average assets | 2.6076% | 5,054 |
| Loan and lease loss provision to assets | 1.1337% | 713 |
| Net operating income to assets | 0.3131% | 5,348 |
| Return on assets (ROA) | 0.3832% | 5,255 |
| Pretax return on assets | 0.5008% | 5,155 |
| Return on Equity (ROE) | 4.5728% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.5728% | 3,463 |
| Net charge-offs to loans | 0.5820% | 2,509 |
| Credit loss provision to net charge-offs | 292.9243% | 980 |
| Earnings coverage of net charge-offs (x) | 3.9881% | 3,224 |
| Efficiency ratio | 62.8177% | 5,274 |
| Assets per employee ($millions) | 5.0269% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6839% | 1,148 |
| Loan loss allowance to noncurrent loans | 45.8665% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 3.8997% | 1,582 |
| Noncurrent loans to loans | 5.8517% | 971 |
| Net loans and leases to total assets | 63.8292% | 3,344 |
| Net loans and leases to deposits | 76.3452% | 3,276 |
| Net loans and leases to core deposits | 81.6828% | 3,378 |
| Total domestic deposits to total assets | 83.6060% | 4,428 |
| Equity capital to assets | 9.1460% | 5,590 |
| Core capital (leverage) ratio | 8.8101% | 5,243 |
| Tier 1 risk-based capital ratio | 12.5680% | 5,435 |
| Total risk-based capital ratio | 13.8336% | 5,402 |
| Memoranda: | ||
| Average total assets | $696,249,000 | 942 |
| Average earning assets | $650,947,750 | 918 |
| Average equity | $58,343,000 | 1,162 |
| Average total loans | $462,989,250 | 917 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8735% | 3,740 |
| Cost of funding earning assets | 1.0448% | 3,642 |
| Net interest margin | 3.8287% | 3,652 |
| Noninterest income to average assets | 0.5694% | 3,338 |
| Noninterest expense to average assets | 2.6180% | 5,126 |
| Loan and lease loss provision to assets | 1.0350% | 826 |
| Net operating income to assets | 0.3708% | 5,080 |
| Return on assets (ROA) | 0.3754% | 5,198 |
| Pretax return on assets | 0.5016% | 5,069 |
| Return on Equity (ROE) | 4.6223% | 4,630 |
| Retained earnings to average equity (ytd only) | 4.6223% | 3,239 |
| Net charge-offs to loans | 0.3668% | 3,081 |
| Credit loss provision to net charge-offs | 422.3529% | 714 |
| Earnings coverage of net charge-offs (x) | 6.2459% | 2,437 |
| Efficiency ratio | 63.1063% | 5,385 |
| Assets per employee ($millions) | 4.9855% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3967% | 1,598 |
| Loan loss allowance to noncurrent loans | 42.9019% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 3.7897% | 1,711 |
| Noncurrent loans to loans | 5.5865% | 1,119 |
| Net loans and leases to total assets | 65.5226% | 3,132 |
| Net loans and leases to deposits | 77.5787% | 3,205 |
| Net loans and leases to core deposits | 83.2432% | 3,331 |
| Total domestic deposits to total assets | 84.4595% | 4,142 |
| Equity capital to assets | 8.2938% | 6,433 |
| Core capital (leverage) ratio | 8.1108% | 6,148 |
| Tier 1 risk-based capital ratio | 11.3845% | 6,264 |
| Total risk-based capital ratio | 12.6471% | 6,239 |
| Memoranda: | ||
| Average total assets | $693,744,000 | 954 |
| Average earning assets | $648,521,330 | 932 |
| Average equity | $56,335,330 | 1,187 |
| Average total loans | $463,453,670 | 933 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8019% | 4,050 |
| Cost of funding earning assets | 1.0524% | 3,837 |
| Net interest margin | 3.7495% | 3,839 |
| Noninterest income to average assets | 0.6246% | 3,009 |
| Noninterest expense to average assets | 2.6806% | 4,913 |
| Loan and lease loss provision to assets | 0.9687% | 804 |
| Net operating income to assets | 0.3406% | 5,222 |
| Return on assets (ROA) | 0.3406% | 5,299 |
| Pretax return on assets | 0.4823% | 5,079 |
| Return on Equity (ROE) | 4.2405% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.2405% | 3,626 |
| Net charge-offs to loans | 0.2525% | 3,072 |
| Credit loss provision to net charge-offs | 575.6014% | 647 |
| Earnings coverage of net charge-offs (x) | 8.6220% | 1,808 |
| Efficiency ratio | 64.8796% | 5,207 |
| Assets per employee ($millions) | 5.2082% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1454% | 2,089 |
| Loan loss allowance to noncurrent loans | 41.1262% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 3.4850% | 1,959 |
| Noncurrent loans to loans | 5.2165% | 1,272 |
| Net loans and leases to total assets | 64.5329% | 3,345 |
| Net loans and leases to deposits | 76.0091% | 3,418 |
| Net loans and leases to core deposits | 81.1599% | 3,580 |
| Total domestic deposits to total assets | 84.9016% | 4,081 |
| Equity capital to assets | 7.9997% | 6,493 |
| Core capital (leverage) ratio | 8.1416% | 6,069 |
| Tier 1 risk-based capital ratio | 11.4621% | 6,132 |
| Total risk-based capital ratio | 12.7218% | 6,108 |
| Memoranda: | ||
| Average total assets | $691,630,500 | 965 |
| Average earning assets | $646,914,500 | 938 |
| Average equity | $55,559,000 | 1,187 |
| Average total loans | $460,901,000 | 953 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2418% | 3,401 |
| Cost of funding earning assets | 1.3277% | 3,698 |
| Net interest margin | 3.9141% | 3,425 |
| Noninterest income to average assets | 0.4800% | 4,315 |
| Noninterest expense to average assets | 2.6244% | 5,315 |
| Loan and lease loss provision to assets | 1.4301% | 1,046 |
| Net operating income to assets | 0.0895% | 5,613 |
| Return on assets (ROA) | 0.2491% | 5,266 |
| Pretax return on assets | 0.2576% | 5,344 |
| Return on Equity (ROE) | 2.9995% | 4,957 |
| Retained earnings to average equity (ytd only) | -0.1475% | 5,631 |
| Net charge-offs to loans | 1.7351% | 1,245 |
| Credit loss provision to net charge-offs | 119.6127% | 3,537 |
| Earnings coverage of net charge-offs (x) | 1.2740% | 4,828 |
| Efficiency ratio | 63.2589% | 5,469 |
| Assets per employee ($millions) | 5.1921% | 1,870 |
| Cash dividends to net income (ytd only)* | 104.9161% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8394% | 2,722 |
| Loan loss allowance to noncurrent loans | 37.7333% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 3.3727% | 2,078 |
| Noncurrent loans to loans | 4.8748% | 1,409 |
| Net loans and leases to total assets | 66.1057% | 3,449 |
| Net loans and leases to deposits | 78.4652% | 3,437 |
| Net loans and leases to core deposits | 84.4572% | 3,533 |
| Total domestic deposits to total assets | 84.2484% | 4,247 |
| Equity capital to assets | 8.0670% | 6,423 |
| Core capital (leverage) ratio | 8.0072% | 6,192 |
| Tier 1 risk-based capital ratio | 11.3444% | 6,038 |
| Total risk-based capital ratio | 12.6007% | 6,030 |
| Memoranda: | ||
| Average total assets | $669,556,800 | 991 |
| Average earning assets | $627,379,000 | 961 |
| Average equity | $55,608,600 | 1,200 |
| Average total loans | $461,357,000 | 978 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2844% | 3,430 |
| Cost of funding earning assets | 1.3725% | 3,759 |
| Net interest margin | 3.9119% | 3,481 |
| Noninterest income to average assets | 0.4359% | 4,669 |
| Noninterest expense to average assets | 2.5915% | 5,361 |
| Loan and lease loss provision to assets | 1.5534% | 849 |
| Net operating income to assets | -0.0356% | 6,069 |
| Return on assets (ROA) | 0.0913% | 5,938 |
| Pretax return on assets | 0.1160% | 5,890 |
| Return on Equity (ROE) | 1.0917% | 5,872 |
| Retained earnings to average equity (ytd only) | -3.0981% | 6,365 |
| Net charge-offs to loans | 1.5457% | 1,298 |
| Credit loss provision to net charge-offs | 145.0075% | 2,708 |
| Earnings coverage of net charge-offs (x) | 1.4084% | 4,675 |
| Efficiency ratio | 63.1785% | 5,408 |
| Assets per employee ($millions) | 5.3677% | 1,750 |
| Cash dividends to net income (ytd only)* | 383.7758% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0296% | 2,152 |
| Loan loss allowance to noncurrent loans | 38.3133% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 3.6521% | 1,951 |
| Noncurrent loans to loans | 5.2974% | 1,280 |
| Net loans and leases to total assets | 66.5676% | 3,555 |
| Net loans and leases to deposits | 79.3731% | 3,562 |
| Net loans and leases to core deposits | 84.6589% | 3,853 |
| Total domestic deposits to total assets | 83.8667% | 4,203 |
| Equity capital to assets | 8.2234% | 6,587 |
| Core capital (leverage) ratio | 7.9876% | 6,360 |
| Tier 1 risk-based capital ratio | 11.0755% | 6,311 |
| Total risk-based capital ratio | 12.3337% | 6,296 |
| Memoranda: | ||
| Average total assets | $665,605,750 | 1,007 |
| Average earning assets | $623,483,250 | 974 |
| Average equity | $55,688,750 | 1,196 |
| Average total loans | $461,308,000 | 985 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3578% | 3,173 |
| Cost of funding earning assets | 1.4174% | 3,764 |
| Net interest margin | 3.9404% | 3,281 |
| Noninterest income to average assets | 0.4335% | 4,658 |
| Noninterest expense to average assets | 2.5355% | 5,588 |
| Loan and lease loss provision to assets | 1.8896% | 659 |
| Net operating income to assets | -0.1514% | 6,292 |
| Return on assets (ROA) | 0.0036% | 6,181 |
| Pretax return on assets | -0.0541% | 6,204 |
| Return on Equity (ROE) | 0.0431% | 6,181 |
| Retained earnings to average equity (ytd only) | -4.9827% | 6,552 |
| Net charge-offs to loans | 1.9182% | 964 |
| Credit loss provision to net charge-offs | 141.1964% | 2,827 |
| Earnings coverage of net charge-offs (x) | 1.1905% | 4,610 |
| Efficiency ratio | 61.3741% | 5,798 |
| Assets per employee ($millions) | 5.2354% | 1,886 |
| Cash dividends to net income (ytd only)* | 11,666.6667% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8977% | 2,415 |
| Loan loss allowance to noncurrent loans | 34.0114% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 3.8369% | 1,810 |
| Noncurrent loans to loans | 5.5797% | 1,179 |
| Net loans and leases to total assets | 67.4599% | 3,505 |
| Net loans and leases to deposits | 80.4879% | 3,518 |
| Net loans and leases to core deposits | 84.5791% | 4,058 |
| Total domestic deposits to total assets | 83.8136% | 4,195 |
| Equity capital to assets | 8.2364% | 6,499 |
| Core capital (leverage) ratio | 8.0958% | 6,124 |
| Tier 1 risk-based capital ratio | 10.8505% | 6,399 |
| Total risk-based capital ratio | 12.1069% | 6,383 |
| Memoranda: | ||
| Average total assets | $662,031,330 | 1,024 |
| Average earning assets | $620,848,000 | 988 |
| Average equity | $55,712,670 | 1,183 |
| Average total loans | $461,896,330 | 991 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4719% | 2,723 |
| Cost of funding earning assets | 1.4533% | 3,850 |
| Net interest margin | 4.0186% | 2,795 |
| Noninterest income to average assets | 0.4073% | 4,854 |
| Noninterest expense to average assets | 2.6420% | 5,174 |
| Loan and lease loss provision to assets | 0.9423% | 1,336 |
| Net operating income to assets | 0.4293% | 4,716 |
| Return on assets (ROA) | 0.5708% | 4,172 |
| Pretax return on assets | 0.8012% | 3,855 |
| Return on Equity (ROE) | 6.7105% | 3,504 |
| Retained earnings to average equity (ytd only) | 1.7080% | 5,085 |
| Net charge-offs to loans | 0.2560% | 3,406 |
| Credit loss provision to net charge-offs | 523.6486% | 805 |
| Earnings coverage of net charge-offs (x) | 8.5811% | 1,941 |
| Efficiency ratio | 63.0410% | 5,653 |
| Assets per employee ($millions) | 5.0936% | 2,103 |
| Cash dividends to net income (ytd only)* | 74.5474% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7610% | 2,861 |
| Loan loss allowance to noncurrent loans | 41.8643% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 2.9715% | 2,418 |
| Noncurrent loans to loans | 4.2064% | 1,834 |
| Net loans and leases to total assets | 69.3994% | 3,072 |
| Net loans and leases to deposits | 83.9280% | 2,953 |
| Net loans and leases to core deposits | 88.0121% | 3,625 |
| Total domestic deposits to total assets | 82.6893% | 4,762 |
| Equity capital to assets | 8.5615% | 5,925 |
| Core capital (leverage) ratio | 8.4657% | 5,431 |
| Tier 1 risk-based capital ratio | 11.0524% | 6,110 |
| Total risk-based capital ratio | 12.3072% | 6,075 |
| Memoranda: | ||
| Average total assets | $657,984,000 | 1,049 |
| Average earning assets | $618,724,000 | 1,014 |
| Average equity | $55,972,000 | 1,188 |
| Average total loans | $462,439,000 | 1,020 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6711% | 3,248 |
| Cost of funding earning assets | 1.7539% | 4,233 |
| Net interest margin | 3.9173% | 3,204 |
| Noninterest income to average assets | 0.4354% | 4,912 |
| Noninterest expense to average assets | 2.7392% | 5,200 |
| Loan and lease loss provision to assets | 0.5605% | 3,572 |
| Net operating income to assets | 0.5814% | 3,398 |
| Return on assets (ROA) | 0.6086% | 3,366 |
| Pretax return on assets | 0.8601% | 3,050 |
| Return on Equity (ROE) | 7.2550% | 2,689 |
| Retained earnings to average equity (ytd only) | 1.6484% | 3,931 |
| Net charge-offs to loans | 0.4070% | 4,189 |
| Credit loss provision to net charge-offs | 196.3207% | 2,013 |
| Earnings coverage of net charge-offs (x) | 4.8413% | 2,790 |
| Efficiency ratio | 66.3408% | 5,324 |
| Assets per employee ($millions) | 5.0684% | 2,128 |
| Cash dividends to net income (ytd only)* | 77.2798% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 3,713 |
| Loan loss allowance to noncurrent loans | 34.4776% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 3.0462% | 2,291 |
| Noncurrent loans to loans | 4.3566% | 1,647 |
| Net loans and leases to total assets | 68.8697% | 3,520 |
| Net loans and leases to deposits | 85.5765% | 2,985 |
| Net loans and leases to core deposits | 102.4031% | 3,758 |
| Total domestic deposits to total assets | 80.4773% | 5,525 |
| Equity capital to assets | 8.4519% | 5,967 |
| Core capital (leverage) ratio | 8.5079% | 5,271 |
| Tier 1 risk-based capital ratio | 11.0175% | 5,900 |
| Total risk-based capital ratio | 12.2692% | 5,869 |
| Memoranda: | ||
| Average total assets | $637,822,200 | 1,087 |
| Average earning assets | $600,162,600 | 1,041 |
| Average equity | $53,508,000 | 1,237 |
| Average total loans | $447,465,800 | 1,073 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7189% | 3,247 |
| Cost of funding earning assets | 1.7936% | 4,410 |
| Net interest margin | 3.9253% | 3,137 |
| Noninterest income to average assets | 0.4528% | 4,882 |
| Noninterest expense to average assets | 2.7817% | 4,965 |
| Loan and lease loss provision to assets | 0.5006% | 3,389 |
| Net operating income to assets | 0.6065% | 3,590 |
| Return on assets (ROA) | 0.6420% | 3,509 |
| Pretax return on assets | 0.9144% | 3,183 |
| Return on Equity (ROE) | 7.6681% | 2,782 |
| Retained earnings to average equity (ytd only) | 1.6263% | 4,404 |
| Net charge-offs to loans | 0.0877% | 5,811 |
| Credit loss provision to net charge-offs | 813.3562% | 472 |
| Earnings coverage of net charge-offs (x) | 22.1646% | 1,170 |
| Efficiency ratio | 66.9734% | 5,193 |
| Assets per employee ($millions) | 4.9642% | 2,193 |
| Cash dividends to net income (ytd only)* | 78.7919% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6044% | 2,970 |
| Loan loss allowance to noncurrent loans | 47.4908% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 2.3653% | 2,910 |
| Noncurrent loans to loans | 3.3783% | 2,233 |
| Net loans and leases to total assets | 68.8892% | 3,749 |
| Net loans and leases to deposits | 86.2405% | 3,264 |
| Net loans and leases to core deposits | 103.9781% | 3,938 |
| Total domestic deposits to total assets | 79.8802% | 5,477 |
| Equity capital to assets | 8.7025% | 5,946 |
| Core capital (leverage) ratio | 8.5510% | 5,400 |
| Tier 1 risk-based capital ratio | 11.2057% | 5,744 |
| Total risk-based capital ratio | 12.4586% | 5,695 |
| Memoranda: | ||
| Average total assets | $632,554,000 | 1,113 |
| Average earning assets | $595,132,000 | 1,072 |
| Average equity | $52,962,750 | 1,265 |
| Average total loans | $444,157,500 | 1,101 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7312% | 3,385 |
| Cost of funding earning assets | 1.8385% | 4,562 |
| Net interest margin | 3.8927% | 3,149 |
| Noninterest income to average assets | 0.4304% | 5,028 |
| Noninterest expense to average assets | 2.8369% | 4,795 |
| Loan and lease loss provision to assets | 0.3740% | 3,685 |
| Net operating income to assets | 0.6167% | 3,607 |
| Return on assets (ROA) | 0.6704% | 3,495 |
| Pretax return on assets | 0.9601% | 3,144 |
| Return on Equity (ROE) | 8.1161% | 2,723 |
| Retained earnings to average equity (ytd only) | 1.9500% | 4,259 |
| Net charge-offs to loans | -0.0005% | 7,459 |
| Credit loss provision to net charge-offs | -117,500.0000% | 7,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1650% | 4,950 |
| Assets per employee ($millions) | 4.9573% | 2,132 |
| Cash dividends to net income (ytd only)* | 75.9734% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 3,618 |
| Loan loss allowance to noncurrent loans | 54.9853% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 1.8177% | 3,452 |
| Noncurrent loans to loans | 2.5839% | 2,806 |
| Net loans and leases to total assets | 69.3488% | 3,865 |
| Net loans and leases to deposits | 84.8286% | 3,751 |
| Net loans and leases to core deposits | 102.5225% | 4,227 |
| Total domestic deposits to total assets | 81.7517% | 4,796 |
| Equity capital to assets | 8.7095% | 5,740 |
| Core capital (leverage) ratio | 8.5613% | 5,332 |
| Tier 1 risk-based capital ratio | 11.4345% | 5,462 |
| Total risk-based capital ratio | 12.6854% | 5,371 |
| Memoranda: | ||
| Average total assets | $628,291,670 | 1,135 |
| Average earning assets | $591,361,330 | 1,096 |
| Average equity | $51,896,670 | 1,311 |
| Average total loans | $441,603,670 | 1,133 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7405% | 3,584 |
| Cost of funding earning assets | 1.8992% | 4,631 |
| Net interest margin | 3.8413% | 3,292 |
| Noninterest income to average assets | 0.4114% | 5,119 |
| Noninterest expense to average assets | 2.7813% | 4,643 |
| Loan and lease loss provision to assets | 0.0960% | 5,735 |
| Net operating income to assets | 0.7777% | 3,222 |
| Return on assets (ROA) | 0.7947% | 3,312 |
| Pretax return on assets | 1.1709% | 2,723 |
| Return on Equity (ROE) | 9.8940% | 2,363 |
| Retained earnings to average equity (ytd only) | 3.5210% | 3,938 |
| Net charge-offs to loans | -0.0073% | 7,234 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0045% | 4,773 |
| Assets per employee ($millions) | 4.9487% | 2,120 |
| Cash dividends to net income (ytd only)* | 64.4122% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 4,711 |
| Loan loss allowance to noncurrent loans | 75.9920% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.0890% | 4,508 |
| Noncurrent loans to loans | 1.5968% | 3,884 |
| Net loans and leases to total assets | 67.3741% | 4,275 |
| Net loans and leases to deposits | 84.0455% | 3,978 |
| Net loans and leases to core deposits | 101.5075% | 4,395 |
| Total domestic deposits to total assets | 80.1639% | 5,301 |
| Equity capital to assets | 8.6413% | 5,856 |
| Core capital (leverage) ratio | 8.7248% | 5,111 |
| Tier 1 risk-based capital ratio | 11.5079% | 5,407 |
| Total risk-based capital ratio | 12.6311% | 5,425 |
| Memoranda: | ||
| Average total assets | $625,167,500 | 1,138 |
| Average earning assets | $587,826,000 | 1,111 |
| Average equity | $50,212,500 | 1,369 |
| Average total loans | $439,211,500 | 1,147 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2361% | 4,318 |
| Cost of funding earning assets | 2.2038% | 5,581 |
| Net interest margin | 4.0323% | 2,969 |
| Noninterest income to average assets | 0.6892% | 3,191 |
| Noninterest expense to average assets | 2.9769% | 4,165 |
| Loan and lease loss provision to assets | 0.6006% | 2,423 |
| Net operating income to assets | 0.6220% | 4,219 |
| Return on assets (ROA) | 0.6341% | 4,019 |
| Pretax return on assets | 0.9010% | 3,715 |
| Return on Equity (ROE) | 8.6878% | 2,758 |
| Retained earnings to average equity (ytd only) | 3.8676% | 2,720 |
| Net charge-offs to loans | 0.6586% | 1,884 |
| Credit loss provision to net charge-offs | 124.6523% | 4,289 |
| Earnings coverage of net charge-offs (x) | 3.0807% | 4,547 |
| Efficiency ratio | 66.6078% | 5,000 |
| Assets per employee ($millions) | 4.5985% | 2,476 |
| Cash dividends to net income (ytd only)* | 55.4822% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 4,738 |
| Loan loss allowance to noncurrent loans | 112.6963% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.7552% | 4,956 |
| Noncurrent loans to loans | 1.0426% | 4,497 |
| Net loans and leases to total assets | 71.5801% | 3,675 |
| Net loans and leases to deposits | 85.7400% | 4,153 |
| Net loans and leases to core deposits | 101.8906% | 4,625 |
| Total domestic deposits to total assets | 83.4851% | 3,578 |
| Equity capital to assets | 7.3859% | 7,477 |
| Core capital (leverage) ratio | 7.2576% | 7,464 |
| Tier 1 risk-based capital ratio | 9.4618% | 7,355 |
| Total risk-based capital ratio | 10.5710% | 7,421 |
| Memoranda: | ||
| Average total assets | $596,889,600 | 1,131 |
| Average earning assets | $558,362,000 | 1,106 |
| Average equity | $43,566,600 | 1,549 |
| Average total loans | $436,652,600 | 1,098 |