Home > Bank of Lee's Summit > Performance and Condition Ratios
Bank of Lee's Summit, Performance and Condition Ratios
| 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 | 3.0088% | 5,494 |
| Cost of funding earning assets | 0.1698% | 5,287 |
| Net interest margin | 2.8390% | 5,224 |
| Noninterest income to average assets | 0.6044% | 2,636 |
| Noninterest expense to average assets | 2.0522% | 5,091 |
| Loan and lease loss provision to assets | 0.0480% | 3,433 |
| Net operating income to assets | 0.6790% | 3,875 |
| Return on assets (ROA) | 0.7247% | 3,783 |
| Pretax return on assets | 1.0630% | 3,247 |
| Return on Equity (ROE) | 3.9696% | 4,845 |
| Retained earnings to average equity (ytd only) | 2.9851% | 3,773 |
| Net charge-offs to loans | 0.3000% | 921 |
| Credit loss provision to net charge-offs | 41.7827% | 3,483 |
| Earnings coverage of net charge-offs (x) | 9.0919% | 2,785 |
| Efficiency ratio | 66.2845% | 3,549 |
| Assets per employee ($millions) | 5.1020% | 2,284 |
| Cash dividends to net income (ytd only)* | 24.8014% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 3,784 |
| Loan loss allowance to noncurrent loans | 21,800.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.5476% | 3,094 |
| Noncurrent loans to loans | 0.0050% | 5,295 |
| Net loans and leases to total assets | 35.8940% | 5,487 |
| Net loans and leases to deposits | 44.0575% | 5,429 |
| Net loans and leases to core deposits | 44.2712% | 5,478 |
| Total domestic deposits to total assets | 81.4707% | 4,215 |
| Equity capital to assets | 17.4947% | 338 |
| Core capital (leverage) ratio | 11.9089% | 1,660 |
| Tier 1 risk-based capital ratio | 22.2768% | 1,043 |
| Total risk-based capital ratio | 23.0914% | 1,082 |
| Memoranda: | ||
| Average total assets | $312,693,800 | 2,101 |
| Average earning assets | $274,427,600 | 2,181 |
| Average equity | $57,083,800 | 1,344 |
| Average total loans | $119,685,800 | 3,074 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0904% | 5,477 |
| Cost of funding earning assets | 0.1730% | 5,321 |
| Net interest margin | 2.9174% | 5,157 |
| Noninterest income to average assets | 0.6204% | 2,569 |
| Noninterest expense to average assets | 2.0989% | 5,010 |
| Loan and lease loss provision to assets | 0.0649% | 2,931 |
| Net operating income to assets | 0.6940% | 3,880 |
| Return on assets (ROA) | 0.7083% | 3,935 |
| Pretax return on assets | 1.0326% | 3,505 |
| Return on Equity (ROE) | 3.8369% | 4,963 |
| Retained earnings to average equity (ytd only) | 2.5188% | 4,409 |
| Net charge-offs to loans | 0.1818% | 1,287 |
| Credit loss provision to net charge-offs | 92.0245% | 2,497 |
| Earnings coverage of net charge-offs (x) | 15.2575% | 2,191 |
| Efficiency ratio | 66.0941% | 3,574 |
| Assets per employee ($millions) | 4.7672% | 2,659 |
| Cash dividends to net income (ytd only)* | 34.3518% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,969 |
| Loan loss allowance to noncurrent loans | 771.2821% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.6372% | 2,992 |
| Noncurrent loans to loans | 0.1618% | 4,706 |
| Net loans and leases to total assets | 37.8212% | 5,474 |
| Net loans and leases to deposits | 46.7949% | 5,421 |
| Net loans and leases to core deposits | 46.9930% | 5,478 |
| Total domestic deposits to total assets | 80.8232% | 4,293 |
| Equity capital to assets | 18.2398% | 323 |
| Core capital (leverage) ratio | 12.1359% | 1,581 |
| Tier 1 risk-based capital ratio | 21.9947% | 1,138 |
| Total risk-based capital ratio | 22.9361% | 1,156 |
| Memoranda: | ||
| Average total assets | $307,959,250 | 2,126 |
| Average earning assets | $269,732,500 | 2,221 |
| Average equity | $56,850,250 | 1,361 |
| Average total loans | $119,521,250 | 3,087 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1613% | 5,490 |
| Cost of funding earning assets | 0.1750% | 5,368 |
| Net interest margin | 2.9863% | 5,107 |
| Noninterest income to average assets | 0.6064% | 2,589 |
| Noninterest expense to average assets | 2.1241% | 5,007 |
| Loan and lease loss provision to assets | 0.0981% | 2,200 |
| Net operating income to assets | 0.6859% | 3,866 |
| Return on assets (ROA) | 0.7013% | 3,939 |
| Pretax return on assets | 1.0179% | 3,522 |
| Return on Equity (ROE) | 3.7833% | 4,985 |
| Retained earnings to average equity (ytd only) | 1.7999% | 4,652 |
| Net charge-offs to loans | -0.0017% | 4,357 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0094% | 3,680 |
| Assets per employee ($millions) | 4.5413% | 2,949 |
| Cash dividends to net income (ytd only)* | 52.4254% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 2,478 |
| Loan loss allowance to noncurrent loans | 524.8428% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.7888% | 2,624 |
| Noncurrent loans to loans | 0.2595% | 4,428 |
| Net loans and leases to total assets | 39.1348% | 5,463 |
| Net loans and leases to deposits | 48.4633% | 5,407 |
| Net loans and leases to core deposits | 48.7706% | 5,473 |
| Total domestic deposits to total assets | 80.7514% | 4,345 |
| Equity capital to assets | 18.4011% | 304 |
| Core capital (leverage) ratio | 12.0891% | 1,564 |
| Tier 1 risk-based capital ratio | 20.6554% | 1,317 |
| Total risk-based capital ratio | 21.6525% | 1,343 |
| Memoranda: | ||
| Average total assets | $305,733,670 | 2,144 |
| Average earning assets | $267,355,000 | 2,249 |
| Average equity | $56,670,670 | 1,366 |
| Average total loans | $119,194,000 | 3,093 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1825% | 5,506 |
| Cost of funding earning assets | 0.1776% | 5,392 |
| Net interest margin | 3.0049% | 5,112 |
| Noninterest income to average assets | 0.6075% | 2,488 |
| Noninterest expense to average assets | 2.1591% | 5,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7355% | 3,560 |
| Return on assets (ROA) | 0.7364% | 3,662 |
| Pretax return on assets | 1.0743% | 3,185 |
| Return on Equity (ROE) | 3.9580% | 4,904 |
| Retained earnings to average equity (ytd only) | 3.9580% | 3,511 |
| Net charge-offs to loans | -0.0034% | 4,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8023% | 3,666 |
| Assets per employee ($millions) | 4.4971% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 3,048 |
| Loan loss allowance to noncurrent loans | 462.8049% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.8545% | 2,556 |
| Noncurrent loans to loans | 0.2748% | 4,451 |
| Net loans and leases to total assets | 38.5327% | 5,532 |
| Net loans and leases to deposits | 47.9164% | 5,420 |
| Net loans and leases to core deposits | 48.3039% | 5,499 |
| Total domestic deposits to total assets | 80.4166% | 4,659 |
| Equity capital to assets | 18.5981% | 285 |
| Core capital (leverage) ratio | 12.5596% | 1,315 |
| Tier 1 risk-based capital ratio | 20.9484% | 1,326 |
| Total risk-based capital ratio | 21.8669% | 1,361 |
| Memoranda: | ||
| Average total assets | $304,197,000 | 2,159 |
| Average earning assets | $265,700,000 | 2,265 |
| Average equity | $56,594,000 | 1,363 |
| Average total loans | $117,531,000 | 3,126 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1503% | 5,578 |
| Cost of funding earning assets | 0.1931% | 5,336 |
| Net interest margin | 2.9571% | 5,227 |
| Noninterest income to average assets | 0.6293% | 2,562 |
| Noninterest expense to average assets | 2.1610% | 5,127 |
| Loan and lease loss provision to assets | 0.0284% | 3,802 |
| Net operating income to assets | 0.7090% | 3,769 |
| Return on assets (ROA) | 0.7154% | 3,845 |
| Pretax return on assets | 1.0194% | 3,382 |
| Return on Equity (ROE) | 3.8007% | 5,028 |
| Retained earnings to average equity (ytd only) | 2.2646% | 4,435 |
| Net charge-offs to loans | 0.0240% | 3,775 |
| Credit loss provision to net charge-offs | 323.0769% | 923 |
| Earnings coverage of net charge-offs (x) | 118.2692% | 509 |
| Efficiency ratio | 67.5393% | 3,655 |
| Assets per employee ($millions) | 4.2618% | 3,466 |
| Cash dividends to net income (ytd only)* | 40.4155% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 2,832 |
| Loan loss allowance to noncurrent loans | 455.5556% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.8781% | 2,472 |
| Noncurrent loans to loans | 0.2878% | 4,433 |
| Net loans and leases to total assets | 37.7383% | 5,636 |
| Net loans and leases to deposits | 46.8772% | 5,523 |
| Net loans and leases to core deposits | 47.2596% | 5,594 |
| Total domestic deposits to total assets | 80.5046% | 4,608 |
| Equity capital to assets | 18.6107% | 266 |
| Core capital (leverage) ratio | 12.2447% | 1,484 |
| Tier 1 risk-based capital ratio | 21.1068% | 1,274 |
| Total risk-based capital ratio | 22.0467% | 1,308 |
| Memoranda: | ||
| Average total assets | $296,059,800 | 2,171 |
| Average earning assets | $257,344,200 | 2,285 |
| Average equity | $55,726,200 | 1,343 |
| Average total loans | $108,268,200 | 3,232 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1420% | 5,655 |
| Cost of funding earning assets | 0.1956% | 5,416 |
| Net interest margin | 2.9464% | 5,316 |
| Noninterest income to average assets | 0.6322% | 2,573 |
| Noninterest expense to average assets | 2.1809% | 5,099 |
| Loan and lease loss provision to assets | 0.0380% | 3,447 |
| Net operating income to assets | 0.6811% | 3,987 |
| Return on assets (ROA) | 0.6811% | 4,102 |
| Pretax return on assets | 0.9718% | 3,736 |
| Return on Equity (ROE) | 3.6080% | 5,181 |
| Retained earnings to average equity (ytd only) | 2.5812% | 4,582 |
| Net charge-offs to loans | 0.0012% | 4,141 |
| Credit loss provision to net charge-offs | 8,400.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 2,235.5338% | 24 |
| Efficiency ratio | 68.3508% | 3,476 |
| Assets per employee ($millions) | 4.4137% | 3,153 |
| Cash dividends to net income (ytd only)* | 28.4574% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 2,677 |
| Loan loss allowance to noncurrent loans | 2,267.6471% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.7840% | 2,929 |
| Noncurrent loans to loans | 0.0611% | 5,375 |
| Net loans and leases to total assets | 36.5636% | 5,768 |
| Net loans and leases to deposits | 45.6778% | 5,664 |
| Net loans and leases to core deposits | 45.9023% | 5,734 |
| Total domestic deposits to total assets | 80.0468% | 4,744 |
| Equity capital to assets | 18.7011% | 294 |
| Core capital (leverage) ratio | 12.3079% | 1,508 |
| Tier 1 risk-based capital ratio | 21.8883% | 1,209 |
| Total risk-based capital ratio | 22.8845% | 1,222 |
| Memoranda: | ||
| Average total assets | $294,427,500 | 2,199 |
| Average earning assets | $255,670,500 | 2,311 |
| Average equity | $55,579,250 | 1,354 |
| Average total loans | $106,408,000 | 3,293 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1442% | 5,695 |
| Cost of funding earning assets | 0.1994% | 5,440 |
| Net interest margin | 2.9447% | 5,349 |
| Noninterest income to average assets | 0.6317% | 2,572 |
| Noninterest expense to average assets | 2.1824% | 5,163 |
| Loan and lease loss provision to assets | 0.0369% | 3,382 |
| Net operating income to assets | 0.6796% | 3,980 |
| Return on assets (ROA) | 0.6796% | 4,098 |
| Pretax return on assets | 0.9668% | 3,714 |
| Return on Equity (ROE) | 3.5887% | 5,181 |
| Retained earnings to average equity (ytd only) | 2.0471% | 4,673 |
| Net charge-offs to loans | 0.0038% | 3,763 |
| Credit loss provision to net charge-offs | 2,700.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 734.0000% | 86 |
| Efficiency ratio | 68.4979% | 3,594 |
| Assets per employee ($millions) | 4.4276% | 3,100 |
| Cash dividends to net income (ytd only)* | 42.9577% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 2,739 |
| Loan loss allowance to noncurrent loans | 2,041.8919% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.8087% | 2,956 |
| Noncurrent loans to loans | 0.0688% | 5,460 |
| Net loans and leases to total assets | 35.7686% | 5,831 |
| Net loans and leases to deposits | 44.6787% | 5,736 |
| Net loans and leases to core deposits | 44.8847% | 5,810 |
| Total domestic deposits to total assets | 80.0574% | 4,852 |
| Equity capital to assets | 18.7493% | 277 |
| Core capital (leverage) ratio | 12.2133% | 1,532 |
| Tier 1 risk-based capital ratio | 22.5244% | 1,134 |
| Total risk-based capital ratio | 23.5443% | 1,143 |
| Memoranda: | ||
| Average total assets | $292,526,000 | 2,221 |
| Average earning assets | $253,741,000 | 2,341 |
| Average equity | $55,396,330 | 1,367 |
| Average total loans | $104,783,670 | 3,348 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1693% | 5,698 |
| Cost of funding earning assets | 0.2002% | 5,509 |
| Net interest margin | 2.9691% | 5,298 |
| Noninterest income to average assets | 0.5922% | 2,689 |
| Noninterest expense to average assets | 2.2226% | 5,091 |
| Loan and lease loss provision to assets | 0.0413% | 3,091 |
| Net operating income to assets | 0.6417% | 4,079 |
| Return on assets (ROA) | 0.6417% | 4,197 |
| Pretax return on assets | 0.9020% | 3,882 |
| Return on Equity (ROE) | 3.3716% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.3716% | 3,958 |
| Net charge-offs to loans | 0.0116% | 2,959 |
| Credit loss provision to net charge-offs | 1,000.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 228.3333% | 244 |
| Efficiency ratio | 70.2044% | 3,452 |
| Assets per employee ($millions) | 4.1958% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 3,008 |
| Loan loss allowance to noncurrent loans | 1,881.0127% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.8206% | 3,048 |
| Noncurrent loans to loans | 0.0735% | 5,479 |
| Net loans and leases to total assets | 36.0982% | 5,823 |
| Net loans and leases to deposits | 45.3496% | 5,688 |
| Net loans and leases to core deposits | 45.5742% | 5,777 |
| Total domestic deposits to total assets | 79.5999% | 5,142 |
| Equity capital to assets | 18.9027% | 270 |
| Core capital (leverage) ratio | 12.5456% | 1,345 |
| Tier 1 risk-based capital ratio | 23.2499% | 1,079 |
| Total risk-based capital ratio | 24.2884% | 1,082 |
| Memoranda: | ||
| Average total assets | $290,466,000 | 2,245 |
| Average earning assets | $251,794,000 | 2,376 |
| Average equity | $55,285,000 | 1,377 |
| Average total loans | $103,367,000 | 3,393 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3101% | 5,689 |
| Cost of funding earning assets | 0.2304% | 5,518 |
| Net interest margin | 3.0797% | 5,253 |
| Noninterest income to average assets | 0.6538% | 2,531 |
| Noninterest expense to average assets | 2.2501% | 5,240 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7340% | 3,714 |
| Return on assets (ROA) | 0.7340% | 3,823 |
| Pretax return on assets | 1.0631% | 3,239 |
| Return on Equity (ROE) | 3.8753% | 5,170 |
| Retained earnings to average equity (ytd only) | 2.3080% | 4,587 |
| Net charge-offs to loans | 0.0342% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 87.4857% | 587 |
| Efficiency ratio | 67.9137% | 3,911 |
| Assets per employee ($millions) | 4.2239% | 3,492 |
| Cash dividends to net income (ytd only)* | 40.4447% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 2,606 |
| Loan loss allowance to noncurrent loans | 4,706.4516% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 3,141 |
| Noncurrent loans to loans | 0.0312% | 5,763 |
| Net loans and leases to total assets | 34.0381% | 6,032 |
| Net loans and leases to deposits | 42.7171% | 5,941 |
| Net loans and leases to core deposits | 43.0485% | 5,991 |
| Total domestic deposits to total assets | 79.6827% | 5,099 |
| Equity capital to assets | 19.1667% | 259 |
| Core capital (leverage) ratio | 12.3526% | 1,419 |
| Tier 1 risk-based capital ratio | 24.4474% | 899 |
| Total risk-based capital ratio | 25.5348% | 900 |
| Memoranda: | ||
| Average total assets | $288,027,200 | 2,225 |
| Average earning assets | $248,722,800 | 2,354 |
| Average equity | $54,550,400 | 1,334 |
| Average total loans | $102,213,800 | 3,376 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3565% | 5,663 |
| Cost of funding earning assets | 0.2342% | 5,560 |
| Net interest margin | 3.1223% | 5,190 |
| Noninterest income to average assets | 0.6689% | 2,478 |
| Noninterest expense to average assets | 2.2685% | 5,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7966% | 3,444 |
| Return on assets (ROA) | 0.7966% | 3,545 |
| Pretax return on assets | 1.0954% | 3,206 |
| Return on Equity (ROE) | 4.2185% | 5,075 |
| Retained earnings to average equity (ytd only) | 3.0549% | 4,442 |
| Net charge-offs to loans | 0.0427% | 3,646 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 71.7557% | 763 |
| Efficiency ratio | 67.4367% | 3,950 |
| Assets per employee ($millions) | 4.1109% | 3,641 |
| Cash dividends to net income (ytd only)* | 27.5843% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 2,868 |
| Loan loss allowance to noncurrent loans | 1,873.0769% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.8264% | 3,350 |
| Noncurrent loans to loans | 0.0783% | 5,710 |
| Net loans and leases to total assets | 34.1023% | 6,110 |
| Net loans and leases to deposits | 42.6677% | 6,028 |
| Net loans and leases to core deposits | 43.0263% | 6,080 |
| Total domestic deposits to total assets | 79.9252% | 5,118 |
| Equity capital to assets | 19.1268% | 265 |
| Core capital (leverage) ratio | 12.2892% | 1,519 |
| Tier 1 risk-based capital ratio | 24.2513% | 960 |
| Total risk-based capital ratio | 25.3319% | 964 |
| Memoranda: | ||
| Average total assets | $288,227,000 | 2,237 |
| Average earning assets | $248,781,750 | 2,370 |
| Average equity | $54,425,000 | 1,350 |
| Average total loans | $102,960,750 | 3,390 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4124% | 5,601 |
| Cost of funding earning assets | 0.2358% | 5,621 |
| Net interest margin | 3.1765% | 5,021 |
| Noninterest income to average assets | 0.6609% | 2,479 |
| Noninterest expense to average assets | 2.2602% | 5,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8253% | 3,206 |
| Return on assets (ROA) | 0.8253% | 3,302 |
| Pretax return on assets | 1.1381% | 2,936 |
| Return on Equity (ROE) | 4.3895% | 4,979 |
| Retained earnings to average equity (ytd only) | 2.6374% | 4,522 |
| Net charge-offs to loans | 0.1230% | 2,442 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 25.6406% | 1,400 |
| Efficiency ratio | 66.5102% | 4,282 |
| Assets per employee ($millions) | 4.3403% | 3,195 |
| Cash dividends to net income (ytd only)* | 39.9160% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 3,385 |
| Loan loss allowance to noncurrent loans | 1,311.0092% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.8349% | 3,475 |
| Noncurrent loans to loans | 0.1063% | 5,695 |
| Net loans and leases to total assets | 34.7622% | 6,121 |
| Net loans and leases to deposits | 43.1403% | 6,016 |
| Net loans and leases to core deposits | 43.5293% | 6,087 |
| Total domestic deposits to total assets | 80.5794% | 5,103 |
| Equity capital to assets | 18.7442% | 281 |
| Core capital (leverage) ratio | 12.1343% | 1,582 |
| Tier 1 risk-based capital ratio | 23.6879% | 1,021 |
| Total risk-based capital ratio | 24.7373% | 1,034 |
| Memoranda: | ||
| Average total assets | $288,381,330 | 2,238 |
| Average earning assets | $248,509,000 | 2,372 |
| Average equity | $54,220,000 | 1,338 |
| Average total loans | $104,082,670 | 3,373 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4008% | 5,645 |
| Cost of funding earning assets | 0.2425% | 5,660 |
| Net interest margin | 3.1584% | 5,056 |
| Noninterest income to average assets | 0.6129% | 2,658 |
| Noninterest expense to average assets | 2.2662% | 5,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7884% | 3,208 |
| Return on assets (ROA) | 0.7884% | 3,286 |
| Pretax return on assets | 1.0683% | 3,038 |
| Return on Equity (ROE) | 4.1867% | 4,937 |
| Retained earnings to average equity (ytd only) | 4.1867% | 3,614 |
| Net charge-offs to loans | -0.0305% | 5,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9616% | 4,192 |
| Assets per employee ($millions) | 4.1968% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 3,515 |
| Loan loss allowance to noncurrent loans | 701.8692% | 703 |
| Noncurrent assets plus other real estate owned to assets | 1.0712% | 3,113 |
| Noncurrent loans to loans | 0.2019% | 5,486 |
| Net loans and leases to total assets | 36.0788% | 6,069 |
| Net loans and leases to deposits | 44.8641% | 5,925 |
| Net loans and leases to core deposits | 45.3469% | 6,027 |
| Total domestic deposits to total assets | 80.4180% | 5,397 |
| Equity capital to assets | 18.7719% | 271 |
| Core capital (leverage) ratio | 12.2568% | 1,505 |
| Tier 1 risk-based capital ratio | 23.2625% | 1,106 |
| Total risk-based capital ratio | 24.3507% | 1,119 |
| Memoranda: | ||
| Average total assets | $287,172,500 | 2,254 |
| Average earning assets | $247,469,500 | 2,374 |
| Average equity | $54,076,000 | 1,341 |
| Average total loans | $104,865,500 | 3,370 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3299% | 5,952 |
| Cost of funding earning assets | 0.2968% | 5,624 |
| Net interest margin | 3.0331% | 5,500 |
| Noninterest income to average assets | 0.7250% | 2,408 |
| Noninterest expense to average assets | 2.2726% | 5,452 |
| Loan and lease loss provision to assets | 0.1046% | 3,051 |
| Net operating income to assets | 0.7238% | 3,681 |
| Return on assets (ROA) | 0.7254% | 3,765 |
| Pretax return on assets | 0.9648% | 3,497 |
| Return on Equity (ROE) | 3.9170% | 5,151 |
| Retained earnings to average equity (ytd only) | 2.6559% | 4,359 |
| Net charge-offs to loans | 0.4443% | 1,495 |
| Credit loss provision to net charge-offs | 66.2252% | 3,399 |
| Earnings coverage of net charge-offs (x) | 6.7594% | 2,991 |
| Efficiency ratio | 68.0442% | 4,191 |
| Assets per employee ($millions) | 4.0108% | 3,842 |
| Cash dividends to net income (ytd only)* | 32.1961% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4400% | 3,464 |
| Loan loss allowance to noncurrent loans | 372.5686% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 1.1687% | 3,061 |
| Noncurrent loans to loans | 0.3865% | 5,040 |
| Net loans and leases to total assets | 35.9096% | 6,208 |
| Net loans and leases to deposits | 44.8337% | 6,080 |
| Net loans and leases to core deposits | 45.3541% | 6,167 |
| Total domestic deposits to total assets | 80.0950% | 5,427 |
| Equity capital to assets | 18.8901% | 273 |
| Core capital (leverage) ratio | 11.8939% | 1,682 |
| Tier 1 risk-based capital ratio | 22.8217% | 1,125 |
| Total risk-based capital ratio | 23.9026% | 1,132 |
| Memoranda: | ||
| Average total assets | $286,891,200 | 2,221 |
| Average earning assets | $247,336,400 | 2,354 |
| Average equity | $53,128,000 | 1,335 |
| Average total loans | $101,948,200 | 3,400 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2834% | 6,083 |
| Cost of funding earning assets | 0.3034% | 5,702 |
| Net interest margin | 2.9800% | 5,641 |
| Noninterest income to average assets | 0.7520% | 2,361 |
| Noninterest expense to average assets | 2.2726% | 5,427 |
| Loan and lease loss provision to assets | 0.1044% | 3,019 |
| Net operating income to assets | 0.7067% | 3,819 |
| Return on assets (ROA) | 0.7088% | 3,945 |
| Pretax return on assets | 0.9477% | 3,699 |
| Return on Equity (ROE) | 3.8467% | 5,285 |
| Retained earnings to average equity (ytd only) | 3.0260% | 4,509 |
| Net charge-offs to loans | 0.5964% | 1,047 |
| Credit loss provision to net charge-offs | 49.5595% | 3,513 |
| Earnings coverage of net charge-offs (x) | 4.9824% | 3,309 |
| Efficiency ratio | 68.4122% | 4,010 |
| Assets per employee ($millions) | 4.1785% | 3,467 |
| Cash dividends to net income (ytd only)* | 21.3353% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 3,720 |
| Loan loss allowance to noncurrent loans | 141.5170% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 1.1709% | 3,314 |
| Noncurrent loans to loans | 1.0196% | 3,766 |
| Net loans and leases to total assets | 33.5937% | 6,382 |
| Net loans and leases to deposits | 41.9529% | 6,308 |
| Net loans and leases to core deposits | 42.4867% | 6,373 |
| Total domestic deposits to total assets | 80.0748% | 5,490 |
| Equity capital to assets | 18.5850% | 288 |
| Core capital (leverage) ratio | 11.8639% | 1,760 |
| Tier 1 risk-based capital ratio | 23.4833% | 1,072 |
| Total risk-based capital ratio | 24.5460% | 1,078 |
| Memoranda: | ||
| Average total assets | $287,422,000 | 2,233 |
| Average earning assets | $247,868,750 | 2,359 |
| Average equity | $52,961,750 | 1,352 |
| Average total loans | $101,497,000 | 3,441 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2799% | 6,118 |
| Cost of funding earning assets | 0.3131% | 5,733 |
| Net interest margin | 2.9668% | 5,656 |
| Noninterest income to average assets | 0.7335% | 2,482 |
| Noninterest expense to average assets | 2.2708% | 5,444 |
| Loan and lease loss provision to assets | 0.1045% | 3,045 |
| Net operating income to assets | 0.6802% | 3,903 |
| Return on assets (ROA) | 0.6833% | 4,054 |
| Pretax return on assets | 0.9229% | 3,818 |
| Return on Equity (ROE) | 3.7191% | 5,332 |
| Retained earnings to average equity (ytd only) | 2.4832% | 4,722 |
| Net charge-offs to loans | 0.7936% | 790 |
| Credit loss provision to net charge-offs | 36.8550% | 3,474 |
| Earnings coverage of net charge-offs (x) | 3.6093% | 3,346 |
| Efficiency ratio | 68.9364% | 4,021 |
| Assets per employee ($millions) | 4.0890% | 3,604 |
| Cash dividends to net income (ytd only)* | 33.2314% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 3,986 |
| Loan loss allowance to noncurrent loans | 134.4294% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 1.0881% | 3,559 |
| Noncurrent loans to loans | 1.0486% | 3,834 |
| Net loans and leases to total assets | 33.4866% | 6,440 |
| Net loans and leases to deposits | 42.1613% | 6,318 |
| Net loans and leases to core deposits | 42.6405% | 6,381 |
| Total domestic deposits to total assets | 79.4249% | 5,731 |
| Equity capital to assets | 18.2683% | 303 |
| Core capital (leverage) ratio | 11.6577% | 1,826 |
| Tier 1 risk-based capital ratio | 23.3490% | 1,082 |
| Total risk-based capital ratio | 24.4031% | 1,094 |
| Memoranda: | ||
| Average total assets | $287,123,000 | 2,242 |
| Average earning assets | $247,809,000 | 2,370 |
| Average equity | $52,754,330 | 1,361 |
| Average total loans | $102,571,000 | 3,423 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2911% | 6,165 |
| Cost of funding earning assets | 0.3221% | 5,784 |
| Net interest margin | 2.9690% | 5,658 |
| Noninterest income to average assets | 0.7551% | 2,313 |
| Noninterest expense to average assets | 2.3438% | 5,287 |
| Loan and lease loss provision to assets | 0.1051% | 2,931 |
| Net operating income to assets | 0.6396% | 4,020 |
| Return on assets (ROA) | 0.6458% | 4,146 |
| Pretax return on assets | 0.8714% | 3,867 |
| Return on Equity (ROE) | 3.5048% | 5,335 |
| Retained earnings to average equity (ytd only) | 3.5048% | 4,139 |
| Net charge-offs to loans | 0.2869% | 1,818 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 9.2133% | 1,869 |
| Efficiency ratio | 70.7699% | 3,830 |
| Assets per employee ($millions) | 4.0506% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5978% | 3,407 |
| Loan loss allowance to noncurrent loans | 138.2872% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 1.1996% | 3,572 |
| Noncurrent loans to loans | 1.1554% | 3,849 |
| Net loans and leases to total assets | 35.2693% | 6,350 |
| Net loans and leases to deposits | 44.0960% | 6,198 |
| Net loans and leases to core deposits | 44.6657% | 6,281 |
| Total domestic deposits to total assets | 79.9830% | 5,755 |
| Equity capital to assets | 18.3748% | 308 |
| Core capital (leverage) ratio | 11.8453% | 1,659 |
| Tier 1 risk-based capital ratio | 23.5797% | 1,076 |
| Total risk-based capital ratio | 24.8299% | 1,058 |
| Memoranda: | ||
| Average total assets | $285,523,500 | 2,281 |
| Average earning assets | $245,877,500 | 2,416 |
| Average equity | $52,613,000 | 1,383 |
| Average total loans | $104,552,000 | 3,404 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5605% | 6,283 |
| Cost of funding earning assets | 0.4195% | 5,790 |
| Net interest margin | 3.1409% | 5,720 |
| Noninterest income to average assets | 0.7256% | 2,604 |
| Noninterest expense to average assets | 2.5929% | 4,764 |
| Loan and lease loss provision to assets | 0.0629% | 4,976 |
| Net operating income to assets | 0.7870% | 3,341 |
| Return on assets (ROA) | 0.7942% | 3,559 |
| Pretax return on assets | 0.7461% | 4,491 |
| Return on Equity (ROE) | 4.2514% | 5,038 |
| Retained earnings to average equity (ytd only) | 2.4489% | 4,516 |
| Net charge-offs to loans | 0.1134% | 4,542 |
| Credit loss provision to net charge-offs | 143.4426% | 1,901 |
| Earnings coverage of net charge-offs (x) | 18.2869% | 1,447 |
| Efficiency ratio | 76.3815% | 2,681 |
| Assets per employee ($millions) | 4.1081% | 3,719 |
| Cash dividends to net income (ytd only)* | 42.3982% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5534% | 3,505 |
| Loan loss allowance to noncurrent loans | 127.7735% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 1.7544% | 2,769 |
| Noncurrent loans to loans | 1.2157% | 3,818 |
| Net loans and leases to total assets | 36.8236% | 6,382 |
| Net loans and leases to deposits | 45.8708% | 6,259 |
| Net loans and leases to core deposits | 46.3482% | 6,354 |
| Total domestic deposits to total assets | 80.2767% | 5,594 |
| Equity capital to assets | 18.4797% | 293 |
| Core capital (leverage) ratio | 11.7564% | 1,702 |
| Tier 1 risk-based capital ratio | 23.5103% | 1,034 |
| Total risk-based capital ratio | 24.7611% | 1,011 |
| Memoranda: | ||
| Average total assets | $278,257,800 | 2,286 |
| Average earning assets | $236,458,200 | 2,444 |
| Average equity | $51,983,200 | 1,368 |
| Average total loans | $107,604,600 | 3,344 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6235% | 6,361 |
| Cost of funding earning assets | 0.4366% | 5,890 |
| Net interest margin | 3.1869% | 5,728 |
| Noninterest income to average assets | 0.7086% | 2,665 |
| Noninterest expense to average assets | 2.5274% | 4,994 |
| Loan and lease loss provision to assets | 0.0602% | 4,967 |
| Net operating income to assets | 0.7709% | 3,596 |
| Return on assets (ROA) | 0.7794% | 3,797 |
| Pretax return on assets | 0.8357% | 4,359 |
| Return on Equity (ROE) | 4.1605% | 5,225 |
| Retained earnings to average equity (ytd only) | 4.1605% | 3,970 |
| Net charge-offs to loans | 0.0593% | 4,834 |
| Credit loss provision to net charge-offs | 260.4167% | 1,059 |
| Earnings coverage of net charge-offs (x) | 38.3741% | 912 |
| Efficiency ratio | 74.0271% | 2,980 |
| Assets per employee ($millions) | 3.9534% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 3,544 |
| Loan loss allowance to noncurrent loans | 154.2936% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 1.8821% | 2,810 |
| Noncurrent loans to loans | 1.0321% | 4,383 |
| Net loans and leases to total assets | 36.7865% | 6,497 |
| Net loans and leases to deposits | 46.5444% | 6,350 |
| Net loans and leases to core deposits | 47.0053% | 6,472 |
| Total domestic deposits to total assets | 79.0351% | 5,863 |
| Equity capital to assets | 18.7849% | 311 |
| Core capital (leverage) ratio | 12.0037% | 1,653 |
| Tier 1 risk-based capital ratio | 23.4647% | 1,097 |
| Total risk-based capital ratio | 24.7149% | 1,077 |
| Memoranda: | ||
| Average total assets | $276,958,000 | 2,320 |
| Average earning assets | $235,126,000 | 2,477 |
| Average equity | $51,883,500 | 1,376 |
| Average total loans | $107,999,250 | 3,365 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7146% | 6,306 |
| Cost of funding earning assets | 0.4492% | 5,979 |
| Net interest margin | 3.2653% | 5,545 |
| Noninterest income to average assets | 0.7080% | 2,626 |
| Noninterest expense to average assets | 2.5672% | 4,895 |
| Loan and lease loss provision to assets | 0.0907% | 4,436 |
| Net operating income to assets | 0.7347% | 3,683 |
| Return on assets (ROA) | 0.7472% | 3,895 |
| Pretax return on assets | 0.8320% | 4,347 |
| Return on Equity (ROE) | 3.9921% | 5,268 |
| Retained earnings to average equity (ytd only) | 3.9921% | 3,958 |
| Net charge-offs to loans | 0.1009% | 4,158 |
| Credit loss provision to net charge-offs | 227.2727% | 1,252 |
| Earnings coverage of net charge-offs (x) | 22.7818% | 1,278 |
| Efficiency ratio | 73.8523% | 3,099 |
| Assets per employee ($millions) | 3.8202% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 3,413 |
| Loan loss allowance to noncurrent loans | 152.3810% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 2.0612% | 2,707 |
| Noncurrent loans to loans | 1.0853% | 4,353 |
| Net loans and leases to total assets | 35.4838% | 6,637 |
| Net loans and leases to deposits | 44.4705% | 6,526 |
| Net loans and leases to core deposits | 44.9032% | 6,624 |
| Total domestic deposits to total assets | 79.7917% | 5,796 |
| Equity capital to assets | 18.6965% | 294 |
| Core capital (leverage) ratio | 11.8443% | 1,688 |
| Tier 1 risk-based capital ratio | 24.2499% | 987 |
| Total risk-based capital ratio | 25.5010% | 971 |
| Memoranda: | ||
| Average total assets | $275,713,000 | 2,331 |
| Average earning assets | $233,727,670 | 2,486 |
| Average equity | $51,602,000 | 1,377 |
| Average total loans | $109,023,000 | 3,360 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7988% | 6,245 |
| Cost of funding earning assets | 0.4634% | 6,059 |
| Net interest margin | 3.3354% | 5,349 |
| Noninterest income to average assets | 0.6946% | 2,684 |
| Noninterest expense to average assets | 2.6133% | 4,769 |
| Loan and lease loss provision to assets | 0.1094% | 3,984 |
| Net operating income to assets | 0.6552% | 4,105 |
| Return on assets (ROA) | 0.6552% | 4,318 |
| Pretax return on assets | 0.7967% | 4,426 |
| Return on Equity (ROE) | 3.4987% | 5,512 |
| Retained earnings to average equity (ytd only) | 3.4987% | 4,481 |
| Net charge-offs to loans | 0.1342% | 3,299 |
| Credit loss provision to net charge-offs | 197.3684% | 1,356 |
| Earnings coverage of net charge-offs (x) | 16.3421% | 1,373 |
| Efficiency ratio | 74.2537% | 3,061 |
| Assets per employee ($millions) | 3.9117% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 4,306 |
| Loan loss allowance to noncurrent loans | 263.0645% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 2.0030% | 2,890 |
| Noncurrent loans to loans | 0.5578% | 5,543 |
| Net loans and leases to total assets | 39.4372% | 6,391 |
| Net loans and leases to deposits | 49.4733% | 6,182 |
| Net loans and leases to core deposits | 49.9979% | 6,343 |
| Total domestic deposits to total assets | 79.7141% | 5,920 |
| Equity capital to assets | 18.5641% | 304 |
| Core capital (leverage) ratio | 11.8726% | 1,659 |
| Tier 1 risk-based capital ratio | 21.7095% | 1,332 |
| Total risk-based capital ratio | 22.9176% | 1,319 |
| Memoranda: | ||
| Average total assets | $274,134,000 | 2,353 |
| Average earning assets | $232,177,500 | 2,521 |
| Average equity | $51,333,500 | 1,380 |
| Average total loans | $113,225,500 | 3,294 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1989% | 6,056 |
| Cost of funding earning assets | 0.6491% | 5,833 |
| Net interest margin | 3.5499% | 4,933 |
| Noninterest income to average assets | 0.6860% | 2,685 |
| Noninterest expense to average assets | 2.7274% | 4,633 |
| Loan and lease loss provision to assets | 0.1164% | 5,144 |
| Net operating income to assets | 0.5735% | 4,127 |
| Return on assets (ROA) | 0.5763% | 4,297 |
| Pretax return on assets | 0.8386% | 3,830 |
| Return on Equity (ROE) | 3.0951% | 5,249 |
| Retained earnings to average equity (ytd only) | 3.0951% | 4,030 |
| Net charge-offs to loans | 0.1771% | 4,732 |
| Credit loss provision to net charge-offs | 150.7177% | 1,868 |
| Earnings coverage of net charge-offs (x) | 12.3158% | 1,634 |
| Efficiency ratio | 74.1488% | 3,211 |
| Assets per employee ($millions) | 3.7575% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 4,545 |
| Loan loss allowance to noncurrent loans | 1,285.4839% | 328 |
| Noncurrent assets plus other real estate owned to assets | 1.9546% | 3,030 |
| Noncurrent loans to loans | 0.1076% | 6,542 |
| Net loans and leases to total assets | 42.0263% | 6,387 |
| Net loans and leases to deposits | 52.7606% | 6,152 |
| Net loans and leases to core deposits | 53.2441% | 6,354 |
| Total domestic deposits to total assets | 79.6546% | 5,832 |
| Equity capital to assets | 18.8916% | 286 |
| Core capital (leverage) ratio | 11.7028% | 1,762 |
| Tier 1 risk-based capital ratio | 20.9975% | 1,411 |
| Total risk-based capital ratio | 22.1573% | 1,412 |
| Memoranda: | ||
| Average total assets | $270,695,200 | 2,336 |
| Average earning assets | $228,177,800 | 2,528 |
| Average equity | $50,403,000 | 1,354 |
| Average total loans | $118,003,800 | 3,216 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 6,062 |
| Cost of funding earning assets | 0.6770% | 5,895 |
| Net interest margin | 3.5839% | 4,834 |
| Noninterest income to average assets | 0.6988% | 2,616 |
| Noninterest expense to average assets | 2.6096% | 5,039 |
| Loan and lease loss provision to assets | 0.1428% | 4,654 |
| Net operating income to assets | 0.6602% | 3,821 |
| Return on assets (ROA) | 0.6609% | 3,994 |
| Pretax return on assets | 0.9662% | 3,533 |
| Return on Equity (ROE) | 3.5624% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.5624% | 4,208 |
| Net charge-offs to loans | 0.1764% | 4,391 |
| Credit loss provision to net charge-offs | 184.7134% | 1,593 |
| Earnings coverage of net charge-offs (x) | 14.3311% | 1,538 |
| Efficiency ratio | 70.1947% | 3,926 |
| Assets per employee ($millions) | 3.6975% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 4,731 |
| Loan loss allowance to noncurrent loans | 1,604.9505% | 248 |
| Noncurrent assets plus other real estate owned to assets | 2.1321% | 2,998 |
| Noncurrent loans to loans | 0.0848% | 6,722 |
| Net loans and leases to total assets | 43.5253% | 6,380 |
| Net loans and leases to deposits | 54.7678% | 6,139 |
| Net loans and leases to core deposits | 55.3713% | 6,359 |
| Total domestic deposits to total assets | 79.4725% | 5,878 |
| Equity capital to assets | 18.8544% | 324 |
| Core capital (leverage) ratio | 11.5484% | 1,989 |
| Tier 1 risk-based capital ratio | 20.3252% | 1,611 |
| Total risk-based capital ratio | 21.4755% | 1,597 |
| Memoranda: | ||
| Average total assets | $270,734,500 | 2,349 |
| Average earning assets | $228,048,250 | 2,536 |
| Average equity | $50,226,500 | 1,360 |
| Average total loans | $118,682,000 | 3,227 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2717% | 6,104 |
| Cost of funding earning assets | 0.7019% | 5,949 |
| Net interest margin | 3.5699% | 4,839 |
| Noninterest income to average assets | 0.6849% | 2,631 |
| Noninterest expense to average assets | 2.4723% | 5,634 |
| Loan and lease loss provision to assets | 0.2140% | 3,776 |
| Net operating income to assets | 0.6871% | 3,619 |
| Return on assets (ROA) | 0.6871% | 3,733 |
| Pretax return on assets | 1.0015% | 3,235 |
| Return on Equity (ROE) | 3.7237% | 5,056 |
| Retained earnings to average equity (ytd only) | 3.7237% | 3,846 |
| Net charge-offs to loans | 0.2851% | 3,449 |
| Credit loss provision to net charge-offs | 171.5976% | 1,761 |
| Earnings coverage of net charge-offs (x) | 9.7456% | 1,882 |
| Efficiency ratio | 67.0402% | 4,696 |
| Assets per employee ($millions) | 4.0212% | 3,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 4,694 |
| Loan loss allowance to noncurrent loans | 616.4751% | 560 |
| Noncurrent assets plus other real estate owned to assets | 2.3211% | 2,836 |
| Noncurrent loans to loans | 0.2233% | 6,458 |
| Net loans and leases to total assets | 42.1472% | 6,582 |
| Net loans and leases to deposits | 52.7258% | 6,416 |
| Net loans and leases to core deposits | 53.9008% | 6,566 |
| Total domestic deposits to total assets | 79.9367% | 5,843 |
| Equity capital to assets | 18.4612% | 348 |
| Core capital (leverage) ratio | 11.2521% | 2,075 |
| Tier 1 risk-based capital ratio | 19.9858% | 1,611 |
| Total risk-based capital ratio | 21.1249% | 1,605 |
| Memoranda: | ||
| Average total assets | $271,005,670 | 2,357 |
| Average earning assets | $227,963,000 | 2,552 |
| Average equity | $50,004,670 | 1,347 |
| Average total loans | $118,541,000 | 3,257 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2691% | 6,099 |
| Cost of funding earning assets | 0.7221% | 6,016 |
| Net interest margin | 3.5470% | 4,823 |
| Noninterest income to average assets | 0.6598% | 2,782 |
| Noninterest expense to average assets | 2.4998% | 5,554 |
| Loan and lease loss provision to assets | 0.2224% | 3,436 |
| Net operating income to assets | 0.6450% | 3,775 |
| Return on assets (ROA) | 0.6450% | 3,853 |
| Pretax return on assets | 0.9237% | 3,416 |
| Return on Equity (ROE) | 3.4963% | 5,144 |
| Retained earnings to average equity (ytd only) | 3.4963% | 4,087 |
| Net charge-offs to loans | -0.0134% | 6,447 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5645% | 4,546 |
| Assets per employee ($millions) | 3.8821% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 4,783 |
| Loan loss allowance to noncurrent loans | 192.2717% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 2.3809% | 2,867 |
| Noncurrent loans to loans | 0.7154% | 5,579 |
| Net loans and leases to total assets | 43.3263% | 6,520 |
| Net loans and leases to deposits | 54.2252% | 6,274 |
| Net loans and leases to core deposits | 55.6705% | 6,440 |
| Total domestic deposits to total assets | 79.9006% | 5,969 |
| Equity capital to assets | 18.3937% | 345 |
| Core capital (leverage) ratio | 11.3240% | 1,943 |
| Tier 1 risk-based capital ratio | 19.3193% | 1,729 |
| Total risk-based capital ratio | 20.4631% | 1,722 |
| Memoranda: | ||
| Average total assets | $269,786,500 | 2,395 |
| Average earning assets | $227,122,000 | 2,578 |
| Average equity | $49,766,500 | 1,340 |
| Average total loans | $119,382,500 | 3,272 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5451% | 6,270 |
| Cost of funding earning assets | 0.9697% | 5,844 |
| Net interest margin | 3.5753% | 4,935 |
| Noninterest income to average assets | 0.7078% | 2,798 |
| Noninterest expense to average assets | 2.4999% | 5,797 |
| Loan and lease loss provision to assets | 0.5786% | 2,819 |
| Net operating income to assets | 0.4588% | 4,273 |
| Return on assets (ROA) | 0.4718% | 4,384 |
| Pretax return on assets | 0.6817% | 4,041 |
| Return on Equity (ROE) | 2.5017% | 5,181 |
| Retained earnings to average equity (ytd only) | 2.5017% | 4,122 |
| Net charge-offs to loans | 1.8543% | 1,121 |
| Credit loss provision to net charge-offs | 69.1001% | 5,889 |
| Earnings coverage of net charge-offs (x) | 1.4826% | 4,641 |
| Efficiency ratio | 66.8174% | 4,797 |
| Assets per employee ($millions) | 3.7722% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 5,294 |
| Loan loss allowance to noncurrent loans | 204.9587% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 2.4594% | 2,816 |
| Noncurrent loans to loans | 0.6081% | 5,829 |
| Net loans and leases to total assets | 44.0200% | 6,707 |
| Net loans and leases to deposits | 55.1965% | 6,505 |
| Net loans and leases to core deposits | 55.8925% | 6,696 |
| Total domestic deposits to total assets | 79.7516% | 5,899 |
| Equity capital to assets | 18.5003% | 347 |
| Core capital (leverage) ratio | 11.1962% | 2,018 |
| Tier 1 risk-based capital ratio | 19.0351% | 1,713 |
| Total risk-based capital ratio | 20.0727% | 1,732 |
| Memoranda: | ||
| Average total assets | $260,092,000 | 2,455 |
| Average earning assets | $220,679,600 | 2,625 |
| Average equity | $49,047,000 | 1,364 |
| Average total loans | $117,457,800 | 3,372 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6020% | 6,329 |
| Cost of funding earning assets | 1.0061% | 5,912 |
| Net interest margin | 3.5958% | 4,899 |
| Noninterest income to average assets | 0.6771% | 2,963 |
| Noninterest expense to average assets | 2.4444% | 5,909 |
| Loan and lease loss provision to assets | 0.4674% | 3,136 |
| Net operating income to assets | 0.5642% | 4,036 |
| Return on assets (ROA) | 0.5800% | 4,117 |
| Pretax return on assets | 0.8470% | 3,744 |
| Return on Equity (ROE) | 3.0606% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.0606% | 4,296 |
| Net charge-offs to loans | 1.5342% | 1,310 |
| Credit loss provision to net charge-offs | 67.2363% | 5,493 |
| Earnings coverage of net charge-offs (x) | 1.8574% | 4,314 |
| Efficiency ratio | 65.4362% | 4,969 |
| Assets per employee ($millions) | 3.6291% | 4,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 4,268 |
| Loan loss allowance to noncurrent loans | 39.7596% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 2.8722% | 2,527 |
| Noncurrent loans to loans | 3.6179% | 2,158 |
| Net loans and leases to total assets | 45.1025% | 6,764 |
| Net loans and leases to deposits | 56.7336% | 6,563 |
| Net loans and leases to core deposits | 57.5135% | 6,762 |
| Total domestic deposits to total assets | 79.4987% | 5,869 |
| Equity capital to assets | 18.9230% | 354 |
| Core capital (leverage) ratio | 11.2098% | 2,120 |
| Tier 1 risk-based capital ratio | 19.3755% | 1,665 |
| Total risk-based capital ratio | 20.6009% | 1,643 |
| Memoranda: | ||
| Average total assets | $258,158,000 | 2,511 |
| Average earning assets | $219,581,500 | 2,672 |
| Average equity | $48,921,500 | 1,375 |
| Average total loans | $116,975,750 | 3,423 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6484% | 6,318 |
| Cost of funding earning assets | 1.0170% | 6,064 |
| Net interest margin | 3.6314% | 4,682 |
| Noninterest income to average assets | 0.7048% | 2,677 |
| Noninterest expense to average assets | 2.4518% | 5,908 |
| Loan and lease loss provision to assets | 0.3928% | 3,360 |
| Net operating income to assets | 0.6480% | 3,636 |
| Return on assets (ROA) | 0.6480% | 3,789 |
| Pretax return on assets | 0.9513% | 3,306 |
| Return on Equity (ROE) | 3.4176% | 5,054 |
| Retained earnings to average equity (ytd only) | 3.4176% | 3,938 |
| Net charge-offs to loans | 1.3005% | 1,466 |
| Credit loss provision to net charge-offs | 66.8874% | 5,052 |
| Earnings coverage of net charge-offs (x) | 2.2887% | 3,860 |
| Efficiency ratio | 64.5902% | 5,228 |
| Assets per employee ($millions) | 3.5696% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 3,191 |
| Loan loss allowance to noncurrent loans | 34.1189% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 3.3049% | 2,136 |
| Noncurrent loans to loans | 4.8915% | 1,429 |
| Net loans and leases to total assets | 42.6246% | 7,001 |
| Net loans and leases to deposits | 53.2546% | 6,910 |
| Net loans and leases to core deposits | 53.8524% | 7,047 |
| Total domestic deposits to total assets | 80.0394% | 5,713 |
| Equity capital to assets | 18.6087% | 371 |
| Core capital (leverage) ratio | 11.2237% | 2,085 |
| Tier 1 risk-based capital ratio | 19.6118% | 1,579 |
| Total risk-based capital ratio | 20.8633% | 1,556 |
| Memoranda: | ||
| Average total assets | $257,112,000 | 2,536 |
| Average earning assets | $218,870,000 | 2,699 |
| Average equity | $48,747,000 | 1,377 |
| Average total loans | $116,110,670 | 3,473 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7250% | 6,153 |
| Cost of funding earning assets | 1.0309% | 6,222 |
| Net interest margin | 3.6940% | 4,275 |
| Noninterest income to average assets | 0.6404% | 2,992 |
| Noninterest expense to average assets | 2.4512% | 5,902 |
| Loan and lease loss provision to assets | 0.3234% | 3,475 |
| Net operating income to assets | 0.6972% | 3,453 |
| Return on assets (ROA) | 0.6972% | 3,567 |
| Pretax return on assets | 1.0253% | 2,989 |
| Return on Equity (ROE) | 3.6421% | 5,055 |
| Retained earnings to average equity (ytd only) | 3.6421% | 3,964 |
| Net charge-offs to loans | 0.2566% | 3,400 |
| Credit loss provision to net charge-offs | 273.3333% | 1,448 |
| Earnings coverage of net charge-offs (x) | 11.4000% | 1,643 |
| Efficiency ratio | 64.5081% | 5,390 |
| Assets per employee ($millions) | 3.3885% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9506% | 2,310 |
| Loan loss allowance to noncurrent loans | 32.2404% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 3.0311% | 2,362 |
| Noncurrent loans to loans | 6.0501% | 1,084 |
| Net loans and leases to total assets | 45.3147% | 6,890 |
| Net loans and leases to deposits | 56.9320% | 6,705 |
| Net loans and leases to core deposits | 57.3765% | 6,912 |
| Total domestic deposits to total assets | 79.5944% | 5,917 |
| Equity capital to assets | 19.1882% | 329 |
| Core capital (leverage) ratio | 11.6719% | 1,816 |
| Tier 1 risk-based capital ratio | 19.2513% | 1,664 |
| Total risk-based capital ratio | 20.5067% | 1,637 |
| Memoranda: | ||
| Average total assets | $253,593,000 | 2,619 |
| Average earning assets | $216,889,500 | 2,783 |
| Average equity | $48,543,000 | 1,385 |
| Average total loans | $116,914,000 | 3,520 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3094% | 5,127 |
| Cost of funding earning assets | 1.2172% | 6,597 |
| Net interest margin | 4.0922% | 2,492 |
| Noninterest income to average assets | 0.7638% | 2,594 |
| Noninterest expense to average assets | 2.7040% | 5,372 |
| Loan and lease loss provision to assets | 0.5504% | 3,619 |
| Net operating income to assets | 0.6550% | 3,119 |
| Return on assets (ROA) | 0.6596% | 3,152 |
| Pretax return on assets | 0.9583% | 2,734 |
| Return on Equity (ROE) | 3.2840% | 4,386 |
| Retained earnings to average equity (ytd only) | 1.9787% | 3,715 |
| Net charge-offs to loans | 0.2799% | 4,882 |
| Credit loss provision to net charge-offs | 408.0997% | 775 |
| Earnings coverage of net charge-offs (x) | 11.1371% | 1,625 |
| Efficiency ratio | 64.2893% | 5,720 |
| Assets per employee ($millions) | 3.4664% | 5,087 |
| Cash dividends to net income (ytd only)* | 39.7452% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8569% | 2,385 |
| Loan loss allowance to noncurrent loans | 29.5744% | 6,503 |
| Noncurrent assets plus other real estate owned to assets | 3.2006% | 2,147 |
| Noncurrent loans to loans | 6.2788% | 975 |
| Net loans and leases to total assets | 45.1353% | 7,044 |
| Net loans and leases to deposits | 58.8719% | 6,713 |
| Net loans and leases to core deposits | 65.3935% | 7,010 |
| Total domestic deposits to total assets | 76.6671% | 6,558 |
| Equity capital to assets | 19.0958% | 354 |
| Core capital (leverage) ratio | 11.5515% | 1,886 |
| Tier 1 risk-based capital ratio | 19.1628% | 1,620 |
| Total risk-based capital ratio | 20.4167% | 1,583 |
| Memoranda: | ||
| Average total assets | $238,015,600 | 2,733 |
| Average earning assets | $200,210,600 | 2,966 |
| Average equity | $47,808,200 | 1,408 |
| Average total loans | $114,690,200 | 3,589 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4375% | 4,754 |
| Cost of funding earning assets | 1.2427% | 6,748 |
| Net interest margin | 4.1947% | 2,084 |
| Noninterest income to average assets | 0.7769% | 2,564 |
| Noninterest expense to average assets | 2.7485% | 5,112 |
| Loan and lease loss provision to assets | 0.5749% | 3,083 |
| Net operating income to assets | 0.6618% | 3,344 |
| Return on assets (ROA) | 0.6676% | 3,386 |
| Pretax return on assets | 0.9778% | 2,968 |
| Return on Equity (ROE) | 3.2801% | 4,669 |
| Retained earnings to average equity (ytd only) | 1.5352% | 4,454 |
| Net charge-offs to loans | 0.2987% | 4,159 |
| Credit loss provision to net charge-offs | 394.5313% | 1,013 |
| Earnings coverage of net charge-offs (x) | 10.5978% | 1,945 |
| Efficiency ratio | 64.0281% | 5,749 |
| Assets per employee ($millions) | 3.2583% | 5,497 |
| Cash dividends to net income (ytd only)* | 53.1970% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6264% | 2,888 |
| Loan loss allowance to noncurrent loans | 25.7586% | 6,737 |
| Noncurrent assets plus other real estate owned to assets | 3.2433% | 2,090 |
| Noncurrent loans to loans | 6.3141% | 925 |
| Net loans and leases to total assets | 48.3398% | 6,924 |
| Net loans and leases to deposits | 62.3391% | 6,639 |
| Net loans and leases to core deposits | 69.7559% | 6,979 |
| Total domestic deposits to total assets | 77.5432% | 6,206 |
| Equity capital to assets | 19.8767% | 351 |
| Core capital (leverage) ratio | 11.8129% | 1,898 |
| Tier 1 risk-based capital ratio | 18.8890% | 1,768 |
| Total risk-based capital ratio | 20.1411% | 1,734 |
| Memoranda: | ||
| Average total assets | $234,257,000 | 2,790 |
| Average earning assets | $196,336,500 | 3,036 |
| Average equity | $47,679,750 | 1,433 |
| Average total loans | $114,268,750 | 3,631 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5069% | 4,588 |
| Cost of funding earning assets | 1.2558% | 6,941 |
| Net interest margin | 4.2511% | 1,816 |
| Noninterest income to average assets | 0.7613% | 2,643 |
| Noninterest expense to average assets | 2.7503% | 5,175 |
| Loan and lease loss provision to assets | 0.7415% | 2,210 |
| Net operating income to assets | 0.5618% | 3,840 |
| Return on assets (ROA) | 0.5708% | 3,914 |
| Pretax return on assets | 0.8285% | 3,577 |
| Return on Equity (ROE) | 2.7816% | 4,985 |
| Retained earnings to average equity (ytd only) | 1.6723% | 4,407 |
| Net charge-offs to loans | 0.3385% | 3,483 |
| Credit loss provision to net charge-offs | 450.2618% | 1,031 |
| Earnings coverage of net charge-offs (x) | 9.4555% | 2,127 |
| Efficiency ratio | 63.8511% | 5,944 |
| Assets per employee ($millions) | 3.3006% | 5,321 |
| Cash dividends to net income (ytd only)* | 39.8792% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6215% | 2,650 |
| Loan loss allowance to noncurrent loans | 23.2840% | 6,949 |
| Noncurrent assets plus other real estate owned to assets | 3.4884% | 1,781 |
| Noncurrent loans to loans | 6.9641% | 707 |
| Net loans and leases to total assets | 47.0266% | 7,124 |
| Net loans and leases to deposits | 60.9667% | 6,819 |
| Net loans and leases to core deposits | 67.6577% | 7,137 |
| Total domestic deposits to total assets | 77.1349% | 6,289 |
| Equity capital to assets | 20.1033% | 380 |
| Core capital (leverage) ratio | 11.9704% | 1,842 |
| Tier 1 risk-based capital ratio | 19.6031% | 1,654 |
| Total risk-based capital ratio | 20.7928% | 1,625 |
| Memoranda: | ||
| Average total assets | $231,972,000 | 2,835 |
| Average earning assets | $193,503,670 | 3,098 |
| Average equity | $47,598,000 | 1,448 |
| Average total loans | $112,865,000 | 3,704 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6763% | 3,917 |
| Cost of funding earning assets | 1.2619% | 7,143 |
| Net interest margin | 4.4144% | 1,314 |
| Noninterest income to average assets | 0.8030% | 2,305 |
| Noninterest expense to average assets | 2.7407% | 4,823 |
| Loan and lease loss provision to assets | 0.7594% | 1,695 |
| Net operating income to assets | 0.6528% | 3,786 |
| Return on assets (ROA) | 0.6564% | 3,949 |
| Pretax return on assets | 0.9601% | 3,501 |
| Return on Equity (ROE) | 3.1656% | 5,297 |
| Retained earnings to average equity (ytd only) | 2.2564% | 4,621 |
| Net charge-offs to loans | 0.5938% | 1,991 |
| Credit loss provision to net charge-offs | 260.4790% | 1,812 |
| Earnings coverage of net charge-offs (x) | 5.8802% | 2,591 |
| Efficiency ratio | 61.5204% | 6,146 |
| Assets per employee ($millions) | 3.2304% | 5,515 |
| Cash dividends to net income (ytd only)* | 28.7234% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 4,359 |
| Loan loss allowance to noncurrent loans | 50.1393% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 1.7636% | 3,280 |
| Noncurrent loans to loans | 2.5084% | 2,625 |
| Net loans and leases to total assets | 48.6076% | 6,976 |
| Net loans and leases to deposits | 63.5630% | 6,598 |
| Net loans and leases to core deposits | 70.8400% | 6,972 |
| Total domestic deposits to total assets | 76.4716% | 6,413 |
| Equity capital to assets | 20.4844% | 392 |
| Core capital (leverage) ratio | 12.2935% | 1,763 |
| Tier 1 risk-based capital ratio | 18.9045% | 1,834 |
| Total risk-based capital ratio | 19.9765% | 1,829 |
| Memoranda: | ||
| Average total assets | $229,137,000 | 2,878 |
| Average earning assets | $189,561,000 | 3,159 |
| Average equity | $47,510,000 | 1,452 |
| Average total loans | $112,499,000 | 3,732 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9410% | 5,846 |
| Cost of funding earning assets | 1.6555% | 7,344 |
| Net interest margin | 4.2855% | 2,031 |
| Noninterest income to average assets | 0.8498% | 2,231 |
| Noninterest expense to average assets | 2.8395% | 4,648 |
| Loan and lease loss provision to assets | 0.3715% | 3,453 |
| Net operating income to assets | 0.7739% | 3,557 |
| Return on assets (ROA) | 0.7962% | 3,290 |
| Pretax return on assets | 1.1714% | 2,762 |
| Return on Equity (ROE) | 3.7680% | 4,909 |
| Retained earnings to average equity (ytd only) | 2.3401% | 3,745 |
| Net charge-offs to loans | 1.0574% | 1,162 |
| Credit loss provision to net charge-offs | 76.5306% | 5,966 |
| Earnings coverage of net charge-offs (x) | 3.1104% | 4,535 |
| Efficiency ratio | 65.2827% | 5,257 |
| Assets per employee ($millions) | 3.0498% | 5,929 |
| Cash dividends to net income (ytd only)* | 37.8959% | 3,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 5,543 |
| Loan loss allowance to noncurrent loans | 63.6265% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 1.6137% | 3,018 |
| Noncurrent loans to loans | 1.6669% | 3,270 |
| Net loans and leases to total assets | 48.4436% | 7,154 |
| Net loans and leases to deposits | 65.3210% | 6,690 |
| Net loans and leases to core deposits | 72.0834% | 7,074 |
| Total domestic deposits to total assets | 74.1624% | 6,629 |
| Equity capital to assets | 20.9919% | 403 |
| Core capital (leverage) ratio | 12.4376% | 1,778 |
| Tier 1 risk-based capital ratio | 19.1746% | 1,774 |
| Total risk-based capital ratio | 20.0690% | 1,804 |
| Memoranda: | ||
| Average total assets | $222,043,800 | 2,851 |
| Average earning assets | $181,332,400 | 3,168 |
| Average equity | $46,921,200 | 1,455 |
| Average total loans | $101,948,400 | 3,894 |