Home > Beverly Bank > Performance and Condition Ratios
Beverly 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 | 4.4056% | 3,337 |
| Cost of funding earning assets | 1.1888% | 1,063 |
| Net interest margin | 3.2167% | 4,263 |
| Noninterest income to average assets | 0.2975% | 3,961 |
| Noninterest expense to average assets | 2.8674% | 2,353 |
| Loan and lease loss provision to assets | 0.0481% | 2,930 |
| Net operating income to assets | 0.3028% | 4,841 |
| Return on assets (ROA) | 0.3683% | 4,798 |
| Pretax return on assets | 0.4934% | 4,704 |
| Return on Equity (ROE) | 4.2978% | 4,531 |
| Retained earnings to average equity (ytd only) | 3.4557% | 3,685 |
| Net charge-offs to loans | 0.0077% | 3,105 |
| Credit loss provision to net charge-offs | 720.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 68.6451% | 971 |
| Efficiency ratio | 86.2113% | 490 |
| Assets per employee ($millions) | 7.0732% | 998 |
| Cash dividends to net income (ytd only)* | 19.5935% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 3,628 |
| Loan loss allowance to noncurrent loans | 431.0718% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 3,761 |
| Noncurrent loans to loans | 0.2296% | 3,724 |
| Net loans and leases to total assets | 87.3414% | 126 |
| Net loans and leases to deposits | 100.9638% | 566 |
| Net loans and leases to core deposits | 112.3993% | 827 |
| Total domestic deposits to total assets | 86.5077% | 1,770 |
| Equity capital to assets | 8.6526% | 4,947 |
| Core capital (leverage) ratio | 8.5307% | 4,935 |
| Tier 1 risk-based capital ratio | 11.2926% | 4,763 |
| Total risk-based capital ratio | 12.4458% | 4,709 |
| Memoranda: | ||
| Average total assets | $498,875,000 | 1,434 |
| Average earning assets | $469,696,750 | 1,423 |
| Average equity | $42,749,250 | 1,835 |
| Average total loans | $432,547,250 | 1,200 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4938% | 3,034 |
| Cost of funding earning assets | 1.1689% | 1,080 |
| Net interest margin | 3.3250% | 4,088 |
| Noninterest income to average assets | 0.2929% | 3,978 |
| Noninterest expense to average assets | 2.7627% | 2,712 |
| Loan and lease loss provision to assets | 0.0482% | 2,852 |
| Net operating income to assets | 0.4407% | 4,655 |
| Return on assets (ROA) | 0.5280% | 4,495 |
| Pretax return on assets | 0.7184% | 4,290 |
| Return on Equity (ROE) | 6.1814% | 3,987 |
| Retained earnings to average equity (ytd only) | 5.3346% | 2,605 |
| Net charge-offs to loans | 0.0023% | 3,093 |
| Credit loss provision to net charge-offs | 2,400.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 326.6000% | 241 |
| Efficiency ratio | 80.8086% | 898 |
| Assets per employee ($millions) | 6.3492% | 1,307 |
| Cash dividends to net income (ytd only)* | 13.6986% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 3,687 |
| Loan loss allowance to noncurrent loans | 448.2972% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 3,820 |
| Noncurrent loans to loans | 0.2206% | 3,752 |
| Net loans and leases to total assets | 85.6171% | 243 |
| Net loans and leases to deposits | 101.1685% | 597 |
| Net loans and leases to core deposits | 112.5058% | 848 |
| Total domestic deposits to total assets | 84.6282% | 2,628 |
| Equity capital to assets | 8.5336% | 5,025 |
| Core capital (leverage) ratio | 8.5878% | 4,919 |
| Tier 1 risk-based capital ratio | 11.2057% | 4,828 |
| Total risk-based capital ratio | 12.3389% | 4,782 |
| Memoranda: | ||
| Average total assets | $497,767,330 | 1,436 |
| Average earning assets | $467,973,330 | 1,424 |
| Average equity | $42,514,670 | 1,847 |
| Average total loans | $429,059,330 | 1,211 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4623% | 3,001 |
| Cost of funding earning assets | 1.1357% | 1,073 |
| Net interest margin | 3.3266% | 4,097 |
| Noninterest income to average assets | 0.3118% | 3,777 |
| Noninterest expense to average assets | 2.5680% | 3,302 |
| Loan and lease loss provision to assets | 0.0487% | 2,679 |
| Net operating income to assets | 0.5935% | 4,267 |
| Return on assets (ROA) | 0.7128% | 3,938 |
| Pretax return on assets | 0.9686% | 3,552 |
| Return on Equity (ROE) | 8.3421% | 3,099 |
| Retained earnings to average equity (ytd only) | 7.4870% | 1,851 |
| Net charge-offs to loans | 0.0019% | 2,695 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 533.5000% | 135 |
| Efficiency ratio | 74.7754% | 1,641 |
| Assets per employee ($millions) | 5.7970% | 1,702 |
| Cash dividends to net income (ytd only)* | 10.2506% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 3,789 |
| Loan loss allowance to noncurrent loans | 448.9005% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 3,861 |
| Noncurrent loans to loans | 0.2199% | 3,798 |
| Net loans and leases to total assets | 86.2567% | 172 |
| Net loans and leases to deposits | 100.7363% | 579 |
| Net loans and leases to core deposits | 112.6189% | 801 |
| Total domestic deposits to total assets | 85.6263% | 2,433 |
| Equity capital to assets | 8.5598% | 4,955 |
| Core capital (leverage) ratio | 8.6892% | 4,880 |
| Tier 1 risk-based capital ratio | 11.2865% | 4,850 |
| Total risk-based capital ratio | 12.4220% | 4,805 |
| Memoranda: | ||
| Average total assets | $492,683,000 | 1,458 |
| Average earning assets | $462,451,000 | 1,441 |
| Average equity | $42,099,500 | 1,852 |
| Average total loans | $423,977,000 | 1,224 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2731% | 3,201 |
| Cost of funding earning assets | 0.9586% | 893 |
| Net interest margin | 3.3144% | 4,213 |
| Noninterest income to average assets | 0.2873% | 4,183 |
| Noninterest expense to average assets | 2.4637% | 3,719 |
| Loan and lease loss provision to assets | 0.0287% | 3,598 |
| Net operating income to assets | 0.6768% | 4,213 |
| Return on assets (ROA) | 0.7155% | 4,105 |
| Pretax return on assets | 0.9547% | 3,745 |
| Return on Equity (ROE) | 8.3896% | 3,276 |
| Retained earnings to average equity (ytd only) | 7.3315% | 1,524 |
| Net charge-offs to loans | 0.0018% | 3,687 |
| Credit loss provision to net charge-offs | 1,928.5714% | 230 |
| Earnings coverage of net charge-offs (x) | 627.2857% | 174 |
| Efficiency ratio | 72.5013% | 1,840 |
| Assets per employee ($millions) | 6.4910% | 1,219 |
| Cash dividends to net income (ytd only)* | 12.6115% | 3,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 3,544 |
| Loan loss allowance to noncurrent loans | 294.4986% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 3,396 |
| Noncurrent loans to loans | 0.3472% | 3,300 |
| Net loans and leases to total assets | 84.0986% | 407 |
| Net loans and leases to deposits | 99.6313% | 774 |
| Net loans and leases to core deposits | 108.7124% | 1,073 |
| Total domestic deposits to total assets | 84.4098% | 2,865 |
| Equity capital to assets | 8.5298% | 4,912 |
| Core capital (leverage) ratio | 8.6822% | 4,895 |
| Tier 1 risk-based capital ratio | 11.5312% | 4,711 |
| Total risk-based capital ratio | 12.6971% | 4,657 |
| Memoranda: | ||
| Average total assets | $469,900,800 | 1,491 |
| Average earning assets | $441,042,800 | 1,474 |
| Average equity | $40,073,400 | 1,854 |
| Average total loans | $397,673,400 | 1,263 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 3,278 |
| Cost of funding earning assets | 0.9099% | 884 |
| Net interest margin | 3.3021% | 4,274 |
| Noninterest income to average assets | 0.2935% | 4,187 |
| Noninterest expense to average assets | 2.5082% | 3,564 |
| Loan and lease loss provision to assets | 0.0258% | 3,500 |
| Net operating income to assets | 0.6486% | 4,371 |
| Return on assets (ROA) | 0.6963% | 4,243 |
| Pretax return on assets | 0.9237% | 3,938 |
| Return on Equity (ROE) | 8.1656% | 3,480 |
| Retained earnings to average equity (ytd only) | 7.1113% | 2,071 |
| Net charge-offs to loans | 0.0010% | 3,463 |
| Credit loss provision to net charge-offs | 3,000.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 1,034.9750% | 81 |
| Efficiency ratio | 73.8306% | 1,622 |
| Assets per employee ($millions) | 6.7083% | 1,082 |
| Cash dividends to net income (ytd only)* | 12.9113% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 3,635 |
| Loan loss allowance to noncurrent loans | 312.0715% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 3,557 |
| Noncurrent loans to loans | 0.3274% | 3,497 |
| Net loans and leases to total assets | 85.1702% | 344 |
| Net loans and leases to deposits | 102.0313% | 652 |
| Net loans and leases to core deposits | 111.4206% | 945 |
| Total domestic deposits to total assets | 83.4746% | 3,130 |
| Equity capital to assets | 8.5116% | 4,913 |
| Core capital (leverage) ratio | 8.6769% | 4,973 |
| Tier 1 risk-based capital ratio | 11.5502% | 4,763 |
| Total risk-based capital ratio | 12.7265% | 4,686 |
| Memoranda: | ||
| Average total assets | $465,669,750 | 1,511 |
| Average earning assets | $437,695,500 | 1,486 |
| Average equity | $39,710,500 | 1,874 |
| Average total loans | $393,681,250 | 1,277 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1489% | 3,284 |
| Cost of funding earning assets | 0.8600% | 874 |
| Net interest margin | 3.2889% | 4,280 |
| Noninterest income to average assets | 0.2952% | 4,207 |
| Noninterest expense to average assets | 2.5370% | 3,526 |
| Loan and lease loss provision to assets | 0.0260% | 3,396 |
| Net operating income to assets | 0.6250% | 4,425 |
| Return on assets (ROA) | 0.6855% | 4,242 |
| Pretax return on assets | 0.8972% | 3,978 |
| Return on Equity (ROE) | 8.0337% | 3,493 |
| Retained earnings to average equity (ytd only) | 6.9483% | 2,101 |
| Net charge-offs to loans | 0.0021% | 3,137 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 489.0000% | 179 |
| Efficiency ratio | 74.9808% | 1,567 |
| Assets per employee ($millions) | 7.0371% | 904 |
| Cash dividends to net income (ytd only)* | 13.5101% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 3,613 |
| Loan loss allowance to noncurrent loans | 295.0319% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 3,589 |
| Noncurrent loans to loans | 0.3514% | 3,441 |
| Net loans and leases to total assets | 82.9301% | 586 |
| Net loans and leases to deposits | 99.5297% | 836 |
| Net loans and leases to core deposits | 108.0496% | 1,116 |
| Total domestic deposits to total assets | 83.3219% | 3,318 |
| Equity capital to assets | 8.3277% | 5,064 |
| Core capital (leverage) ratio | 8.6034% | 5,033 |
| Tier 1 risk-based capital ratio | 11.5585% | 4,763 |
| Total risk-based capital ratio | 12.7486% | 4,686 |
| Memoranda: | ||
| Average total assets | $462,129,000 | 1,531 |
| Average earning assets | $433,950,330 | 1,509 |
| Average equity | $39,434,000 | 1,890 |
| Average total loans | $388,292,670 | 1,291 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 3,274 |
| Cost of funding earning assets | 0.8227% | 857 |
| Net interest margin | 3.2664% | 4,277 |
| Noninterest income to average assets | 0.2793% | 4,303 |
| Noninterest expense to average assets | 2.5951% | 3,345 |
| Loan and lease loss provision to assets | 0.0264% | 3,174 |
| Net operating income to assets | 0.5744% | 4,497 |
| Return on assets (ROA) | 0.6794% | 4,180 |
| Pretax return on assets | 0.8539% | 4,001 |
| Return on Equity (ROE) | 7.8621% | 3,440 |
| Retained earnings to average equity (ytd only) | 6.9954% | 2,278 |
| Net charge-offs to loans | 0.0010% | 2,698 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 850.0000% | 78 |
| Efficiency ratio | 77.6021% | 1,393 |
| Assets per employee ($millions) | 6.4900% | 1,204 |
| Cash dividends to net income (ytd only)* | 11.0246% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 3,581 |
| Loan loss allowance to noncurrent loans | 307.5205% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.2915% | 3,693 |
| Noncurrent loans to loans | 0.3458% | 3,526 |
| Net loans and leases to total assets | 83.3844% | 499 |
| Net loans and leases to deposits | 100.7383% | 656 |
| Net loans and leases to core deposits | 106.6373% | 1,196 |
| Total domestic deposits to total assets | 82.7733% | 3,731 |
| Equity capital to assets | 8.5345% | 4,942 |
| Core capital (leverage) ratio | 8.7515% | 4,947 |
| Tier 1 risk-based capital ratio | 11.7016% | 4,739 |
| Total risk-based capital ratio | 12.9191% | 4,650 |
| Memoranda: | ||
| Average total assets | $453,933,000 | 1,556 |
| Average earning assets | $425,918,000 | 1,533 |
| Average equity | $39,226,000 | 1,904 |
| Average total loans | $381,941,500 | 1,312 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0906% | 3,089 |
| Cost of funding earning assets | 0.6626% | 1,236 |
| Net interest margin | 3.4279% | 3,764 |
| Noninterest income to average assets | 0.3532% | 3,942 |
| Noninterest expense to average assets | 2.6355% | 3,330 |
| Loan and lease loss provision to assets | 0.0278% | 3,724 |
| Net operating income to assets | 0.4519% | 4,528 |
| Return on assets (ROA) | 0.4649% | 4,509 |
| Pretax return on assets | 0.9443% | 3,761 |
| Return on Equity (ROE) | 5.2688% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.2688% | 1,958 |
| Net charge-offs to loans | 0.0154% | 3,577 |
| Credit loss provision to net charge-offs | 214.2857% | 1,268 |
| Earnings coverage of net charge-offs (x) | 73.4821% | 818 |
| Efficiency ratio | 73.4687% | 1,989 |
| Assets per employee ($millions) | 6.2094% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 3,397 |
| Loan loss allowance to noncurrent loans | 440.4941% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 4,095 |
| Noncurrent loans to loans | 0.2479% | 3,904 |
| Net loans and leases to total assets | 83.0787% | 548 |
| Net loans and leases to deposits | 98.8653% | 828 |
| Net loans and leases to core deposits | 104.6890% | 1,362 |
| Total domestic deposits to total assets | 84.0322% | 3,195 |
| Equity capital to assets | 8.7516% | 4,925 |
| Core capital (leverage) ratio | 8.8502% | 4,807 |
| Tier 1 risk-based capital ratio | 11.9295% | 4,581 |
| Total risk-based capital ratio | 13.1794% | 4,463 |
| Memoranda: | ||
| Average total assets | $432,371,600 | 1,601 |
| Average earning assets | $407,912,600 | 1,570 |
| Average equity | $38,149,000 | 1,927 |
| Average total loans | $364,158,600 | 1,331 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 3,189 |
| Cost of funding earning assets | 0.6480% | 1,251 |
| Net interest margin | 3.3991% | 3,852 |
| Noninterest income to average assets | 0.3350% | 4,137 |
| Noninterest expense to average assets | 2.6421% | 3,279 |
| Loan and lease loss provision to assets | 0.0280% | 3,571 |
| Net operating income to assets | 0.5418% | 4,607 |
| Return on assets (ROA) | 0.5580% | 4,584 |
| Pretax return on assets | 0.9041% | 4,030 |
| Return on Equity (ROE) | 6.3104% | 3,977 |
| Retained earnings to average equity (ytd only) | 6.3104% | 2,052 |
| Net charge-offs to loans | 0.0033% | 3,619 |
| Credit loss provision to net charge-offs | 1,000.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 323.9917% | 285 |
| Efficiency ratio | 74.4457% | 1,823 |
| Assets per employee ($millions) | 6.3933% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 3,405 |
| Loan loss allowance to noncurrent loans | 212.7066% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4326% | 3,300 |
| Noncurrent loans to loans | 0.5246% | 3,125 |
| Net loans and leases to total assets | 81.5420% | 759 |
| Net loans and leases to deposits | 92.6662% | 1,469 |
| Net loans and leases to core deposits | 97.5308% | 1,924 |
| Total domestic deposits to total assets | 87.9954% | 1,365 |
| Equity capital to assets | 8.6975% | 5,150 |
| Core capital (leverage) ratio | 9.0205% | 4,717 |
| Tier 1 risk-based capital ratio | 12.0052% | 4,612 |
| Total risk-based capital ratio | 13.2555% | 4,502 |
| Memoranda: | ||
| Average total assets | $428,695,750 | 1,619 |
| Average earning assets | $405,347,000 | 1,593 |
| Average equity | $37,904,750 | 1,949 |
| Average total loans | $361,317,000 | 1,349 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0271% | 3,102 |
| Cost of funding earning assets | 0.6432% | 1,189 |
| Net interest margin | 3.3839% | 3,832 |
| Noninterest income to average assets | 0.3238% | 4,234 |
| Noninterest expense to average assets | 2.6907% | 3,117 |
| Loan and lease loss provision to assets | 0.0284% | 3,430 |
| Net operating income to assets | 0.4971% | 4,713 |
| Return on assets (ROA) | 0.4971% | 4,749 |
| Pretax return on assets | 0.8058% | 4,248 |
| Return on Equity (ROE) | 5.5903% | 4,228 |
| Retained earnings to average equity (ytd only) | 5.5903% | 2,361 |
| Net charge-offs to loans | 0.0033% | 3,371 |
| Credit loss provision to net charge-offs | 1,000.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 293.6667% | 284 |
| Efficiency ratio | 76.3331% | 1,668 |
| Assets per employee ($millions) | 6.2343% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 3,489 |
| Loan loss allowance to noncurrent loans | 201.4279% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 3,250 |
| Noncurrent loans to loans | 0.5539% | 3,077 |
| Net loans and leases to total assets | 83.0791% | 540 |
| Net loans and leases to deposits | 94.9249% | 1,184 |
| Net loans and leases to core deposits | 100.5502% | 1,614 |
| Total domestic deposits to total assets | 87.5209% | 1,706 |
| Equity capital to assets | 8.7431% | 5,108 |
| Core capital (leverage) ratio | 8.9496% | 4,778 |
| Tier 1 risk-based capital ratio | 11.9860% | 4,640 |
| Total risk-based capital ratio | 13.2363% | 4,528 |
| Memoranda: | ||
| Average total assets | $422,418,000 | 1,641 |
| Average earning assets | $399,592,330 | 1,614 |
| Average equity | $37,565,000 | 1,960 |
| Average total loans | $358,742,000 | 1,362 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0173% | 2,969 |
| Cost of funding earning assets | 0.6363% | 1,151 |
| Net interest margin | 3.3809% | 3,710 |
| Noninterest income to average assets | 0.3765% | 3,831 |
| Noninterest expense to average assets | 2.7673% | 2,898 |
| Loan and lease loss provision to assets | 0.0289% | 3,192 |
| Net operating income to assets | 0.4834% | 4,658 |
| Return on assets (ROA) | 0.4834% | 4,684 |
| Pretax return on assets | 0.7828% | 4,173 |
| Return on Equity (ROE) | 5.3877% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.3877% | 2,676 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3204% | 1,716 |
| Assets per employee ($millions) | 5.6877% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 3,522 |
| Loan loss allowance to noncurrent loans | 256.9172% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 3,680 |
| Noncurrent loans to loans | 0.4396% | 3,518 |
| Net loans and leases to total assets | 85.7443% | 244 |
| Net loans and leases to deposits | 98.3192% | 745 |
| Net loans and leases to core deposits | 104.2449% | 1,208 |
| Total domestic deposits to total assets | 87.2101% | 2,107 |
| Equity capital to assets | 9.0433% | 4,767 |
| Core capital (leverage) ratio | 9.1486% | 4,545 |
| Tier 1 risk-based capital ratio | 12.0130% | 4,709 |
| Total risk-based capital ratio | 13.2636% | 4,604 |
| Memoranda: | ||
| Average total assets | $415,426,500 | 1,675 |
| Average earning assets | $393,501,500 | 1,641 |
| Average equity | $37,270,000 | 1,977 |
| Average total loans | $354,788,500 | 1,382 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1129% | 2,798 |
| Cost of funding earning assets | 0.6230% | 1,182 |
| Net interest margin | 3.4898% | 3,471 |
| Noninterest income to average assets | 0.3896% | 3,966 |
| Noninterest expense to average assets | 2.6619% | 3,482 |
| Loan and lease loss provision to assets | 0.0229% | 3,916 |
| Net operating income to assets | 0.6210% | 4,117 |
| Return on assets (ROA) | 0.6299% | 4,202 |
| Pretax return on assets | 1.0239% | 3,390 |
| Return on Equity (ROE) | 6.9401% | 3,500 |
| Retained earnings to average equity (ytd only) | 6.9401% | 1,250 |
| Net charge-offs to loans | 0.0074% | 4,010 |
| Credit loss provision to net charge-offs | 360.0000% | 854 |
| Earnings coverage of net charge-offs (x) | 162.6400% | 400 |
| Efficiency ratio | 72.0473% | 2,584 |
| Assets per employee ($millions) | 5.8542% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 3,401 |
| Loan loss allowance to noncurrent loans | 404.1041% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 4,342 |
| Noncurrent loans to loans | 0.2858% | 4,127 |
| Net loans and leases to total assets | 83.1132% | 468 |
| Net loans and leases to deposits | 94.8855% | 1,104 |
| Net loans and leases to core deposits | 101.0052% | 1,534 |
| Total domestic deposits to total assets | 87.5932% | 1,835 |
| Equity capital to assets | 8.8998% | 4,909 |
| Core capital (leverage) ratio | 9.0582% | 4,673 |
| Tier 1 risk-based capital ratio | 12.1302% | 4,640 |
| Total risk-based capital ratio | 13.3810% | 4,512 |
| Memoranda: | ||
| Average total assets | $393,708,600 | 1,709 |
| Average earning assets | $372,855,400 | 1,669 |
| Average equity | $35,734,600 | 2,038 |
| Average total loans | $339,571,400 | 1,377 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1114% | 2,834 |
| Cost of funding earning assets | 0.6210% | 1,195 |
| Net interest margin | 3.4904% | 3,507 |
| Noninterest income to average assets | 0.3726% | 4,112 |
| Noninterest expense to average assets | 2.7104% | 3,325 |
| Loan and lease loss provision to assets | 0.0309% | 3,613 |
| Net operating income to assets | 0.5762% | 4,385 |
| Return on assets (ROA) | 0.5883% | 4,445 |
| Pretax return on assets | 0.9530% | 3,802 |
| Return on Equity (ROE) | 6.4481% | 3,860 |
| Retained earnings to average equity (ytd only) | 6.4481% | 1,938 |
| Net charge-offs to loans | 0.0071% | 3,667 |
| Credit loss provision to net charge-offs | 500.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 156.1071% | 450 |
| Efficiency ratio | 73.7432% | 2,335 |
| Assets per employee ($millions) | 5.8205% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 3,569 |
| Loan loss allowance to noncurrent loans | 381.1499% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 4,382 |
| Noncurrent loans to loans | 0.3005% | 4,174 |
| Net loans and leases to total assets | 86.9193% | 190 |
| Net loans and leases to deposits | 99.3751% | 746 |
| Net loans and leases to core deposits | 105.8613% | 1,193 |
| Total domestic deposits to total assets | 87.4659% | 1,684 |
| Equity capital to assets | 9.0524% | 5,126 |
| Core capital (leverage) ratio | 9.1783% | 4,621 |
| Tier 1 risk-based capital ratio | 11.6625% | 5,003 |
| Total risk-based capital ratio | 12.9131% | 4,905 |
| Memoranda: | ||
| Average total assets | $388,223,000 | 1,730 |
| Average earning assets | $367,359,750 | 1,696 |
| Average equity | $35,420,250 | 2,068 |
| Average total loans | $337,089,750 | 1,390 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0781% | 2,958 |
| Cost of funding earning assets | 0.6230% | 1,176 |
| Net interest margin | 3.4551% | 3,662 |
| Noninterest income to average assets | 0.3408% | 4,340 |
| Noninterest expense to average assets | 2.7439% | 3,225 |
| Loan and lease loss provision to assets | 0.0469% | 3,211 |
| Net operating income to assets | 0.5071% | 4,650 |
| Return on assets (ROA) | 0.5118% | 4,745 |
| Pretax return on assets | 0.8260% | 4,203 |
| Return on Equity (ROE) | 5.5941% | 4,252 |
| Retained earnings to average equity (ytd only) | 5.5941% | 2,366 |
| Net charge-offs to loans | 0.0084% | 3,410 |
| Credit loss provision to net charge-offs | 642.8571% | 533 |
| Earnings coverage of net charge-offs (x) | 118.6429% | 493 |
| Efficiency ratio | 76.0179% | 2,074 |
| Assets per employee ($millions) | 5.7101% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 3,557 |
| Loan loss allowance to noncurrent loans | 274.6269% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 3,991 |
| Noncurrent loans to loans | 0.4240% | 3,831 |
| Net loans and leases to total assets | 87.2106% | 185 |
| Net loans and leases to deposits | 99.7729% | 712 |
| Net loans and leases to core deposits | 106.2966% | 1,157 |
| Total domestic deposits to total assets | 87.4091% | 1,709 |
| Equity capital to assets | 9.0564% | 5,200 |
| Core capital (leverage) ratio | 9.1664% | 4,639 |
| Tier 1 risk-based capital ratio | 11.6600% | 5,056 |
| Total risk-based capital ratio | 12.9111% | 4,957 |
| Memoranda: | ||
| Average total assets | $383,758,670 | 1,744 |
| Average earning assets | $363,061,000 | 1,718 |
| Average equity | $35,108,330 | 2,084 |
| Average total loans | $331,744,330 | 1,408 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0648% | 2,987 |
| Cost of funding earning assets | 0.6242% | 1,190 |
| Net interest margin | 3.4407% | 3,710 |
| Noninterest income to average assets | 0.3771% | 4,011 |
| Noninterest expense to average assets | 2.7520% | 3,230 |
| Loan and lease loss provision to assets | 0.0475% | 2,968 |
| Net operating income to assets | 0.5145% | 4,570 |
| Return on assets (ROA) | 0.5240% | 4,634 |
| Pretax return on assets | 0.8420% | 4,056 |
| Return on Equity (ROE) | 5.6976% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.6976% | 2,532 |
| Net charge-offs to loans | 0.0049% | 2,947 |
| Credit loss provision to net charge-offs | 1,125.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 207.0000% | 295 |
| Efficiency ratio | 75.8812% | 2,185 |
| Assets per employee ($millions) | 5.5127% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 3,360 |
| Loan loss allowance to noncurrent loans | 253.3460% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.4105% | 3,950 |
| Noncurrent loans to loans | 0.4815% | 3,737 |
| Net loans and leases to total assets | 84.2019% | 351 |
| Net loans and leases to deposits | 96.3869% | 905 |
| Net loans and leases to core deposits | 102.2513% | 1,316 |
| Total domestic deposits to total assets | 87.3582% | 2,025 |
| Equity capital to assets | 9.1050% | 5,081 |
| Core capital (leverage) ratio | 9.3878% | 4,365 |
| Tier 1 risk-based capital ratio | 12.0280% | 4,898 |
| Total risk-based capital ratio | 13.2795% | 4,810 |
| Memoranda: | ||
| Average total assets | $378,638,500 | 1,766 |
| Average earning assets | $357,604,000 | 1,735 |
| Average equity | $34,821,500 | 2,098 |
| Average total loans | $323,788,000 | 1,430 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1693% | 2,669 |
| Cost of funding earning assets | 0.6211% | 1,224 |
| Net interest margin | 3.5481% | 3,332 |
| Noninterest income to average assets | 0.4506% | 3,660 |
| Noninterest expense to average assets | 2.7054% | 3,563 |
| Loan and lease loss provision to assets | 0.0499% | 3,323 |
| Net operating income to assets | 0.6319% | 4,129 |
| Return on assets (ROA) | 0.6523% | 4,124 |
| Pretax return on assets | 1.0671% | 3,199 |
| Return on Equity (ROE) | 7.7443% | 3,106 |
| Retained earnings to average equity (ytd only) | 7.7443% | 1,001 |
| Net charge-offs to loans | 0.0068% | 4,212 |
| Credit loss provision to net charge-offs | 857.1429% | 396 |
| Earnings coverage of net charge-offs (x) | 186.4762% | 355 |
| Efficiency ratio | 71.3722% | 3,005 |
| Assets per employee ($millions) | 5.4616% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 3,196 |
| Loan loss allowance to noncurrent loans | 334.6251% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3196% | 4,313 |
| Noncurrent loans to loans | 0.3725% | 4,111 |
| Net loans and leases to total assets | 84.7268% | 332 |
| Net loans and leases to deposits | 97.3963% | 875 |
| Net loans and leases to core deposits | 103.1185% | 1,288 |
| Total domestic deposits to total assets | 86.9918% | 2,145 |
| Equity capital to assets | 9.2916% | 4,802 |
| Core capital (leverage) ratio | 9.4148% | 4,298 |
| Tier 1 risk-based capital ratio | 12.2367% | 4,805 |
| Total risk-based capital ratio | 13.4888% | 4,697 |
| Memoranda: | ||
| Average total assets | $360,870,600 | 1,818 |
| Average earning assets | $339,699,000 | 1,782 |
| Average equity | $30,396,400 | 2,292 |
| Average total loans | $310,229,600 | 1,430 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1808% | 2,643 |
| Cost of funding earning assets | 0.6216% | 1,265 |
| Net interest margin | 3.5592% | 3,308 |
| Noninterest income to average assets | 0.4827% | 3,487 |
| Noninterest expense to average assets | 2.7199% | 3,495 |
| Loan and lease loss provision to assets | 0.0502% | 3,204 |
| Net operating income to assets | 0.6470% | 4,146 |
| Return on assets (ROA) | 0.6744% | 4,124 |
| Pretax return on assets | 1.1054% | 3,201 |
| Return on Equity (ROE) | 8.2263% | 2,953 |
| Retained earnings to average equity (ytd only) | 8.2263% | 1,152 |
| Net charge-offs to loans | 0.0026% | 4,095 |
| Credit loss provision to net charge-offs | 2,250.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 498.3213% | 145 |
| Efficiency ratio | 70.9652% | 3,055 |
| Assets per employee ($millions) | 5.7786% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 3,330 |
| Loan loss allowance to noncurrent loans | 330.7047% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3174% | 4,495 |
| Noncurrent loans to loans | 0.3800% | 4,248 |
| Net loans and leases to total assets | 82.4561% | 532 |
| Net loans and leases to deposits | 94.5754% | 1,130 |
| Net loans and leases to core deposits | 100.0388% | 1,514 |
| Total domestic deposits to total assets | 87.1855% | 1,941 |
| Equity capital to assets | 9.0635% | 5,251 |
| Core capital (leverage) ratio | 9.3854% | 4,462 |
| Tier 1 risk-based capital ratio | 12.2980% | 4,890 |
| Total risk-based capital ratio | 13.5500% | 4,787 |
| Memoranda: | ||
| Average total assets | $358,241,000 | 1,846 |
| Average earning assets | $337,184,250 | 1,813 |
| Average equity | $29,368,500 | 2,372 |
| Average total loans | $308,127,500 | 1,442 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1467% | 2,727 |
| Cost of funding earning assets | 0.6183% | 1,295 |
| Net interest margin | 3.5284% | 3,382 |
| Noninterest income to average assets | 0.5124% | 3,287 |
| Noninterest expense to average assets | 2.7385% | 3,456 |
| Loan and lease loss provision to assets | 0.0511% | 3,098 |
| Net operating income to assets | 0.6324% | 4,209 |
| Return on assets (ROA) | 0.6741% | 4,121 |
| Pretax return on assets | 1.1043% | 3,156 |
| Return on Equity (ROE) | 8.5436% | 2,778 |
| Retained earnings to average equity (ytd only) | 8.5436% | 1,064 |
| Net charge-offs to loans | 0.0007% | 3,880 |
| Credit loss provision to net charge-offs | 9,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 1,921.0000% | 25 |
| Efficiency ratio | 71.5281% | 3,066 |
| Assets per employee ($millions) | 5.3580% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 3,567 |
| Loan loss allowance to noncurrent loans | 343.4859% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 4,611 |
| Noncurrent loans to loans | 0.3608% | 4,416 |
| Net loans and leases to total assets | 86.6206% | 206 |
| Net loans and leases to deposits | 98.6570% | 739 |
| Net loans and leases to core deposits | 103.9604% | 1,193 |
| Total domestic deposits to total assets | 87.7997% | 1,752 |
| Equity capital to assets | 7.9048% | 6,020 |
| Core capital (leverage) ratio | 8.0779% | 5,885 |
| Tier 1 risk-based capital ratio | 10.5242% | 5,913 |
| Total risk-based capital ratio | 12.1103% | 5,704 |
| Memoranda: | ||
| Average total assets | $352,452,670 | 1,879 |
| Average earning assets | $331,253,000 | 1,857 |
| Average equity | $27,810,330 | 2,498 |
| Average total loans | $306,286,000 | 1,450 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1168% | 2,768 |
| Cost of funding earning assets | 0.6215% | 1,292 |
| Net interest margin | 3.4953% | 3,457 |
| Noninterest income to average assets | 0.3734% | 4,219 |
| Noninterest expense to average assets | 2.7080% | 3,559 |
| Loan and lease loss provision to assets | 0.0515% | 2,907 |
| Net operating income to assets | 0.5521% | 4,472 |
| Return on assets (ROA) | 0.5521% | 4,581 |
| Pretax return on assets | 0.8992% | 3,897 |
| Return on Equity (ROE) | 7.0040% | 3,506 |
| Retained earnings to average equity (ytd only) | 7.0040% | 2,013 |
| Net charge-offs to loans | 0.0026% | 3,229 |
| Credit loss provision to net charge-offs | 2,250.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 415.0000% | 128 |
| Efficiency ratio | 74.0138% | 2,815 |
| Assets per employee ($millions) | 5.6524% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 3,625 |
| Loan loss allowance to noncurrent loans | 205.5437% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.5353% | 3,888 |
| Noncurrent loans to loans | 0.6136% | 3,733 |
| Net loans and leases to total assets | 86.1415% | 179 |
| Net loans and leases to deposits | 98.2913% | 657 |
| Net loans and leases to core deposits | 103.5321% | 1,096 |
| Total domestic deposits to total assets | 87.6390% | 2,020 |
| Equity capital to assets | 7.9267% | 6,059 |
| Core capital (leverage) ratio | 8.0386% | 5,917 |
| Tier 1 risk-based capital ratio | 10.8021% | 5,897 |
| Total risk-based capital ratio | 12.4065% | 5,650 |
| Memoranda: | ||
| Average total assets | $349,187,000 | 1,903 |
| Average earning assets | $328,216,500 | 1,877 |
| Average equity | $27,527,000 | 2,535 |
| Average total loans | $302,001,000 | 1,469 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2357% | 2,831 |
| Cost of funding earning assets | 0.6427% | 1,452 |
| Net interest margin | 3.5930% | 3,438 |
| Noninterest income to average assets | 0.3346% | 4,717 |
| Noninterest expense to average assets | 3.1378% | 2,393 |
| Loan and lease loss provision to assets | 0.1003% | 2,481 |
| Net operating income to assets | 0.2816% | 5,564 |
| Return on assets (ROA) | 0.2816% | 5,638 |
| Pretax return on assets | 0.4523% | 5,379 |
| Return on Equity (ROE) | 3.4942% | 5,296 |
| Retained earnings to average equity (ytd only) | 2.7768% | 4,266 |
| Net charge-offs to loans | 0.0039% | 4,874 |
| Credit loss provision to net charge-offs | 3,045.4545% | 100 |
| Earnings coverage of net charge-offs (x) | 167.7273% | 318 |
| Efficiency ratio | 85.0244% | 1,277 |
| Assets per employee ($millions) | 5.5226% | 1,749 |
| Cash dividends to net income (ytd only)* | 20.5319% | 3,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 3,550 |
| Loan loss allowance to noncurrent loans | 259.9182% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4216% | 4,415 |
| Noncurrent loans to loans | 0.4918% | 4,184 |
| Net loans and leases to total assets | 84.6306% | 302 |
| Net loans and leases to deposits | 96.4626% | 873 |
| Net loans and leases to core deposits | 103.8767% | 1,133 |
| Total domestic deposits to total assets | 87.7342% | 1,907 |
| Equity capital to assets | 7.8393% | 6,130 |
| Core capital (leverage) ratio | 7.9230% | 6,039 |
| Tier 1 risk-based capital ratio | 10.7134% | 6,021 |
| Total risk-based capital ratio | 12.5554% | 5,688 |
| Memoranda: | ||
| Average total assets | $333,836,000 | 1,942 |
| Average earning assets | $311,803,600 | 1,920 |
| Average equity | $26,901,400 | 2,496 |
| Average total loans | $284,374,400 | 1,495 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2321% | 2,878 |
| Cost of funding earning assets | 0.6417% | 1,516 |
| Net interest margin | 3.5904% | 3,465 |
| Noninterest income to average assets | 0.3366% | 4,748 |
| Noninterest expense to average assets | 3.3293% | 1,841 |
| Loan and lease loss provision to assets | 0.1211% | 2,060 |
| Net operating income to assets | 0.1506% | 5,943 |
| Return on assets (ROA) | 0.1506% | 5,978 |
| Pretax return on assets | 0.2353% | 5,893 |
| Return on Equity (ROE) | 1.8551% | 5,871 |
| Retained earnings to average equity (ytd only) | 1.1340% | 5,433 |
| Net charge-offs to loans | 0.0024% | 4,634 |
| Credit loss provision to net charge-offs | 6,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 176.5067% | 357 |
| Efficiency ratio | 90.3296% | 825 |
| Assets per employee ($millions) | 5.4494% | 1,774 |
| Cash dividends to net income (ytd only)* | 38.8744% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 3,715 |
| Loan loss allowance to noncurrent loans | 329.9041% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 4,930 |
| Noncurrent loans to loans | 0.3899% | 4,747 |
| Net loans and leases to total assets | 84.5824% | 295 |
| Net loans and leases to deposits | 98.4710% | 703 |
| Net loans and leases to core deposits | 106.4867% | 926 |
| Total domestic deposits to total assets | 85.8958% | 2,905 |
| Equity capital to assets | 7.7812% | 6,221 |
| Core capital (leverage) ratio | 7.9878% | 6,076 |
| Tier 1 risk-based capital ratio | 10.5863% | 6,178 |
| Total risk-based capital ratio | 12.4349% | 5,866 |
| Memoranda: | ||
| Average total assets | $330,313,500 | 1,975 |
| Average earning assets | $308,112,500 | 1,961 |
| Average equity | $26,808,000 | 2,510 |
| Average total loans | $280,901,750 | 1,525 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2287% | 2,849 |
| Cost of funding earning assets | 0.6511% | 1,505 |
| Net interest margin | 3.5776% | 3,452 |
| Noninterest income to average assets | 0.3356% | 4,741 |
| Noninterest expense to average assets | 2.7689% | 3,615 |
| Loan and lease loss provision to assets | 0.1104% | 2,180 |
| Net operating income to assets | 0.4822% | 4,882 |
| Return on assets (ROA) | 0.4822% | 4,950 |
| Pretax return on assets | 0.7872% | 4,325 |
| Return on Equity (ROE) | 5.8571% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.1417% | 2,868 |
| Net charge-offs to loans | 0.0014% | 4,349 |
| Credit loss provision to net charge-offs | 9,000.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 731.5000% | 92 |
| Efficiency ratio | 75.5187% | 2,718 |
| Assets per employee ($millions) | 5.2878% | 1,885 |
| Cash dividends to net income (ytd only)* | 12.2137% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 3,833 |
| Loan loss allowance to noncurrent loans | 408.3519% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3544% | 4,965 |
| Noncurrent loans to loans | 0.3195% | 5,054 |
| Net loans and leases to total assets | 84.6124% | 260 |
| Net loans and leases to deposits | 97.2289% | 721 |
| Net loans and leases to core deposits | 103.9937% | 1,018 |
| Total domestic deposits to total assets | 87.0239% | 2,441 |
| Equity capital to assets | 8.3000% | 5,951 |
| Core capital (leverage) ratio | 8.3212% | 5,829 |
| Tier 1 risk-based capital ratio | 11.1021% | 6,011 |
| Total risk-based capital ratio | 12.9686% | 5,630 |
| Memoranda: | ||
| Average total assets | $325,979,670 | 2,002 |
| Average earning assets | $303,496,000 | 1,990 |
| Average equity | $26,839,330 | 2,491 |
| Average total loans | $276,479,670 | 1,546 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 3,015 |
| Cost of funding earning assets | 0.6512% | 1,574 |
| Net interest margin | 3.5134% | 3,630 |
| Noninterest income to average assets | 0.3347% | 4,697 |
| Noninterest expense to average assets | 2.7282% | 3,837 |
| Loan and lease loss provision to assets | 0.0738% | 2,660 |
| Net operating income to assets | 0.4922% | 4,725 |
| Return on assets (ROA) | 0.4922% | 4,806 |
| Pretax return on assets | 0.8060% | 4,083 |
| Return on Equity (ROE) | 6.0030% | 4,021 |
| Retained earnings to average equity (ytd only) | 5.2826% | 2,934 |
| Net charge-offs to loans | -0.0102% | 5,053 |
| Credit loss provision to net charge-offs | -857.1429% | 5,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6139% | 2,859 |
| Assets per employee ($millions) | 5.7278% | 1,511 |
| Cash dividends to net income (ytd only)* | 12.0000% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 4,180 |
| Loan loss allowance to noncurrent loans | 2,339.4737% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 5,865 |
| Noncurrent loans to loans | 0.0551% | 5,987 |
| Net loans and leases to total assets | 83.3984% | 270 |
| Net loans and leases to deposits | 95.7799% | 671 |
| Net loans and leases to core deposits | 102.3674% | 962 |
| Total domestic deposits to total assets | 87.0730% | 2,761 |
| Equity capital to assets | 8.2212% | 5,892 |
| Core capital (leverage) ratio | 8.2232% | 5,924 |
| Tier 1 risk-based capital ratio | 11.1987% | 6,075 |
| Total risk-based capital ratio | 13.0798% | 5,679 |
| Memoranda: | ||
| Average total assets | $325,048,500 | 2,012 |
| Average earning assets | $302,844,000 | 1,997 |
| Average equity | $26,653,500 | 2,499 |
| Average total loans | $274,188,500 | 1,558 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2556% | 3,131 |
| Cost of funding earning assets | 0.7391% | 1,566 |
| Net interest margin | 3.5165% | 3,822 |
| Noninterest income to average assets | 0.4723% | 3,944 |
| Noninterest expense to average assets | 2.8792% | 3,434 |
| Loan and lease loss provision to assets | 0.0767% | 3,573 |
| Net operating income to assets | 0.4773% | 4,827 |
| Return on assets (ROA) | 0.4771% | 4,975 |
| Pretax return on assets | 0.7764% | 4,242 |
| Return on Equity (ROE) | 5.7841% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.0273% | 2,575 |
| Net charge-offs to loans | 0.0386% | 4,690 |
| Credit loss provision to net charge-offs | 245.9184% | 931 |
| Earnings coverage of net charge-offs (x) | 27.3469% | 1,273 |
| Efficiency ratio | 77.1351% | 2,601 |
| Assets per employee ($millions) | 5.5795% | 1,582 |
| Cash dividends to net income (ytd only)* | 13.0841% | 3,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 4,241 |
| Loan loss allowance to noncurrent loans | 714.9590% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 5,584 |
| Noncurrent loans to loans | 0.1791% | 5,665 |
| Net loans and leases to total assets | 83.1393% | 317 |
| Net loans and leases to deposits | 97.1440% | 653 |
| Net loans and leases to core deposits | 102.8227% | 980 |
| Total domestic deposits to total assets | 85.5836% | 3,466 |
| Equity capital to assets | 8.1783% | 5,889 |
| Core capital (leverage) ratio | 8.2532% | 5,920 |
| Tier 1 risk-based capital ratio | 11.8959% | 5,680 |
| Total risk-based capital ratio | 14.5018% | 4,761 |
| Memoranda: | ||
| Average total assets | $314,010,200 | 2,049 |
| Average earning assets | $291,145,400 | 2,033 |
| Average equity | $25,898,800 | 2,556 |
| Average total loans | $253,907,000 | 1,639 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2543% | 3,182 |
| Cost of funding earning assets | 0.7552% | 1,570 |
| Net interest margin | 3.4991% | 3,890 |
| Noninterest income to average assets | 0.4959% | 3,835 |
| Noninterest expense to average assets | 2.7915% | 3,692 |
| Loan and lease loss provision to assets | 0.1545% | 2,334 |
| Net operating income to assets | 0.4868% | 4,854 |
| Return on assets (ROA) | 0.4865% | 5,014 |
| Pretax return on assets | 0.7911% | 4,327 |
| Return on Equity (ROE) | 5.8856% | 4,247 |
| Retained earnings to average equity (ytd only) | 5.1247% | 2,988 |
| Net charge-offs to loans | 0.0449% | 4,263 |
| Credit loss provision to net charge-offs | 429.7619% | 611 |
| Earnings coverage of net charge-offs (x) | 26.3208% | 1,354 |
| Efficiency ratio | 74.6880% | 2,952 |
| Assets per employee ($millions) | 5.4263% | 1,703 |
| Cash dividends to net income (ytd only)* | 12.9291% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 4,138 |
| Loan loss allowance to noncurrent loans | 377.0031% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 5,363 |
| Noncurrent loans to loans | 0.3580% | 5,318 |
| Net loans and leases to total assets | 82.7039% | 314 |
| Net loans and leases to deposits | 98.5228% | 536 |
| Net loans and leases to core deposits | 104.3818% | 858 |
| Total domestic deposits to total assets | 83.9439% | 4,210 |
| Equity capital to assets | 8.1755% | 6,026 |
| Core capital (leverage) ratio | 8.2272% | 6,035 |
| Tier 1 risk-based capital ratio | 11.9042% | 5,833 |
| Total risk-based capital ratio | 14.5282% | 4,858 |
| Memoranda: | ||
| Average total assets | $311,610,000 | 2,073 |
| Average earning assets | $288,674,000 | 2,065 |
| Average equity | $25,757,000 | 2,598 |
| Average total loans | $249,249,500 | 1,667 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2562% | 3,131 |
| Cost of funding earning assets | 0.7695% | 1,588 |
| Net interest margin | 3.4867% | 3,832 |
| Noninterest income to average assets | 0.5985% | 3,204 |
| Noninterest expense to average assets | 2.9000% | 3,335 |
| Loan and lease loss provision to assets | 0.1542% | 2,390 |
| Net operating income to assets | 0.4722% | 4,917 |
| Return on assets (ROA) | 0.4722% | 5,096 |
| Pretax return on assets | 0.7669% | 4,436 |
| Return on Equity (ROE) | 5.6913% | 4,353 |
| Retained earnings to average equity (ytd only) | 4.9262% | 3,100 |
| Net charge-offs to loans | 0.0148% | 4,550 |
| Credit loss provision to net charge-offs | 1,322.2222% | 238 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 573 |
| Efficiency ratio | 75.8942% | 2,806 |
| Assets per employee ($millions) | 5.5111% | 1,579 |
| Cash dividends to net income (ytd only)* | 13.4431% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 4,032 |
| Loan loss allowance to noncurrent loans | 452.5381% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 5,587 |
| Noncurrent loans to loans | 0.3095% | 5,527 |
| Net loans and leases to total assets | 78.5414% | 690 |
| Net loans and leases to deposits | 94.0502% | 808 |
| Net loans and leases to core deposits | 99.6796% | 1,104 |
| Total domestic deposits to total assets | 83.5100% | 4,506 |
| Equity capital to assets | 8.0900% | 6,140 |
| Core capital (leverage) ratio | 8.2528% | 5,952 |
| Tier 1 risk-based capital ratio | 12.4383% | 5,542 |
| Total risk-based capital ratio | 15.1449% | 4,466 |
| Memoranda: | ||
| Average total assets | $308,762,330 | 2,094 |
| Average earning assets | $285,372,000 | 2,093 |
| Average equity | $25,618,000 | 2,613 |
| Average total loans | $242,865,330 | 1,701 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3209% | 2,805 |
| Cost of funding earning assets | 0.7931% | 1,568 |
| Net interest margin | 3.5278% | 3,585 |
| Noninterest income to average assets | 0.7068% | 2,555 |
| Noninterest expense to average assets | 2.9368% | 3,201 |
| Loan and lease loss provision to assets | 0.1596% | 2,279 |
| Net operating income to assets | 0.5380% | 4,506 |
| Return on assets (ROA) | 0.5380% | 4,652 |
| Pretax return on assets | 0.8717% | 3,866 |
| Return on Equity (ROE) | 6.4006% | 3,823 |
| Retained earnings to average equity (ytd only) | 5.6319% | 2,874 |
| Net charge-offs to loans | -0.0034% | 5,210 |
| Credit loss provision to net charge-offs | -6,050.0000% | 5,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0113% | 3,263 |
| Assets per employee ($millions) | 4.8976% | 2,350 |
| Cash dividends to net income (ytd only)* | 12.0098% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4585% | 3,978 |
| Loan loss allowance to noncurrent loans | 293.9831% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 5,406 |
| Noncurrent loans to loans | 0.4961% | 5,187 |
| Net loans and leases to total assets | 78.4502% | 567 |
| Net loans and leases to deposits | 93.8901% | 672 |
| Net loans and leases to core deposits | 100.2031% | 936 |
| Total domestic deposits to total assets | 83.5554% | 4,646 |
| Equity capital to assets | 8.5923% | 5,926 |
| Core capital (leverage) ratio | 8.5692% | 5,479 |
| Tier 1 risk-based capital ratio | 13.1199% | 5,131 |
| Total risk-based capital ratio | 15.9229% | 4,016 |
| Memoranda: | ||
| Average total assets | $303,322,000 | 2,165 |
| Average earning assets | $280,401,500 | 2,148 |
| Average equity | $25,497,500 | 2,661 |
| Average total loans | $236,989,000 | 1,752 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5315% | 3,272 |
| Cost of funding earning assets | 0.9420% | 1,692 |
| Net interest margin | 3.5894% | 4,131 |
| Noninterest income to average assets | 0.6493% | 2,991 |
| Noninterest expense to average assets | 2.8593% | 3,815 |
| Loan and lease loss provision to assets | 0.0732% | 4,807 |
| Net operating income to assets | 0.6215% | 4,134 |
| Return on assets (ROA) | 0.6357% | 4,327 |
| Pretax return on assets | 1.0400% | 3,400 |
| Return on Equity (ROE) | 7.8529% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.0013% | 1,567 |
| Net charge-offs to loans | 0.0100% | 5,796 |
| Credit loss provision to net charge-offs | 960.8696% | 263 |
| Earnings coverage of net charge-offs (x) | 143.1304% | 294 |
| Efficiency ratio | 72.3802% | 3,344 |
| Assets per employee ($millions) | 5.1315% | 2,062 |
| Cash dividends to net income (ytd only)* | 10.8446% | 4,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 4,087 |
| Loan loss allowance to noncurrent loans | 242.8157% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.4476% | 5,365 |
| Noncurrent loans to loans | 0.5836% | 5,070 |
| Net loans and leases to total assets | 75.6081% | 977 |
| Net loans and leases to deposits | 89.1823% | 1,145 |
| Net loans and leases to core deposits | 96.1041% | 1,293 |
| Total domestic deposits to total assets | 84.7793% | 3,955 |
| Equity capital to assets | 8.2254% | 6,262 |
| Core capital (leverage) ratio | 8.3154% | 5,874 |
| Tier 1 risk-based capital ratio | 12.9631% | 5,137 |
| Total risk-based capital ratio | 15.7681% | 3,976 |
| Memoranda: | ||
| Average total assets | $301,720,200 | 2,129 |
| Average earning assets | $277,482,600 | 2,116 |
| Average equity | $24,424,200 | 2,718 |
| Average total loans | $230,416,600 | 1,766 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5839% | 3,272 |
| Cost of funding earning assets | 0.9701% | 1,739 |
| Net interest margin | 3.6138% | 4,175 |
| Noninterest income to average assets | 0.6098% | 3,211 |
| Noninterest expense to average assets | 2.8698% | 3,714 |
| Loan and lease loss provision to assets | 0.1515% | 3,646 |
| Net operating income to assets | 0.5548% | 4,602 |
| Return on assets (ROA) | 0.5739% | 4,776 |
| Pretax return on assets | 0.9376% | 3,967 |
| Return on Equity (ROE) | 7.1186% | 3,742 |
| Retained earnings to average equity (ytd only) | 6.2536% | 2,522 |
| Net charge-offs to loans | -0.0116% | 6,390 |
| Credit loss provision to net charge-offs | -1,705.0000% | 6,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0387% | 3,139 |
| Assets per employee ($millions) | 5.1775% | 1,958 |
| Cash dividends to net income (ytd only)* | 12.1518% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 3,913 |
| Loan loss allowance to noncurrent loans | 168.7019% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.6809% | 4,987 |
| Noncurrent loans to loans | 0.8947% | 4,644 |
| Net loans and leases to total assets | 74.9538% | 1,117 |
| Net loans and leases to deposits | 89.8423% | 1,164 |
| Net loans and leases to core deposits | 96.9956% | 1,337 |
| Total domestic deposits to total assets | 83.4283% | 4,469 |
| Equity capital to assets | 8.1176% | 6,532 |
| Core capital (leverage) ratio | 8.3122% | 5,989 |
| Tier 1 risk-based capital ratio | 12.6946% | 5,483 |
| Total risk-based capital ratio | 15.5036% | 4,317 |
| Memoranda: | ||
| Average total assets | $300,178,000 | 2,155 |
| Average earning assets | $275,714,500 | 2,153 |
| Average equity | $24,199,000 | 2,763 |
| Average total loans | $228,987,000 | 1,792 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6320% | 3,223 |
| Cost of funding earning assets | 0.9934% | 1,803 |
| Net interest margin | 3.6387% | 4,088 |
| Noninterest income to average assets | 0.6179% | 3,143 |
| Noninterest expense to average assets | 2.8725% | 3,735 |
| Loan and lease loss provision to assets | 0.1481% | 3,663 |
| Net operating income to assets | 0.5758% | 4,469 |
| Return on assets (ROA) | 0.6045% | 4,604 |
| Pretax return on assets | 0.9859% | 3,762 |
| Return on Equity (ROE) | 7.5168% | 3,502 |
| Retained earnings to average equity (ytd only) | 6.6501% | 2,304 |
| Net charge-offs to loans | -0.0176% | 6,397 |
| Credit loss provision to net charge-offs | -1,105.0000% | 6,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5089% | 3,340 |
| Assets per employee ($millions) | 4.9395% | 2,254 |
| Cash dividends to net income (ytd only)* | 11.5299% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 4,174 |
| Loan loss allowance to noncurrent loans | 191.3608% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 5,280 |
| Noncurrent loans to loans | 0.7661% | 4,974 |
| Net loans and leases to total assets | 76.8608% | 858 |
| Net loans and leases to deposits | 91.8102% | 971 |
| Net loans and leases to core deposits | 99.1128% | 1,163 |
| Total domestic deposits to total assets | 83.7171% | 4,432 |
| Equity capital to assets | 8.2477% | 6,415 |
| Core capital (leverage) ratio | 8.2753% | 5,954 |
| Tier 1 risk-based capital ratio | 12.6323% | 5,470 |
| Total risk-based capital ratio | 15.4545% | 4,264 |
| Memoranda: | ||
| Average total assets | $298,413,330 | 2,167 |
| Average earning assets | $274,222,000 | 2,161 |
| Average equity | $23,999,670 | 2,768 |
| Average total loans | $227,825,330 | 1,793 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6150% | 3,440 |
| Cost of funding earning assets | 1.0096% | 1,920 |
| Net interest margin | 3.6053% | 4,244 |
| Noninterest income to average assets | 0.4769% | 4,090 |
| Noninterest expense to average assets | 2.8414% | 3,856 |
| Loan and lease loss provision to assets | 0.1469% | 3,523 |
| Net operating income to assets | 0.4971% | 4,842 |
| Return on assets (ROA) | 0.5544% | 4,781 |
| Pretax return on assets | 0.9030% | 4,018 |
| Return on Equity (ROE) | 6.9814% | 3,792 |
| Retained earnings to average equity (ytd only) | 6.0898% | 2,905 |
| Net charge-offs to loans | -0.0177% | 6,136 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7365% | 2,986 |
| Assets per employee ($millions) | 5.1057% | 2,115 |
| Cash dividends to net income (ytd only)* | 12.7711% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 4,415 |
| Loan loss allowance to noncurrent loans | 160.4320% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.7200% | 5,110 |
| Noncurrent loans to loans | 0.8979% | 4,870 |
| Net loans and leases to total assets | 74.2270% | 1,027 |
| Net loans and leases to deposits | 90.5772% | 911 |
| Net loans and leases to core deposits | 97.5239% | 1,163 |
| Total domestic deposits to total assets | 81.9489% | 5,315 |
| Equity capital to assets | 7.9516% | 6,551 |
| Core capital (leverage) ratio | 8.0834% | 6,177 |
| Tier 1 risk-based capital ratio | 12.8009% | 5,361 |
| Total risk-based capital ratio | 15.6727% | 4,132 |
| Memoranda: | ||
| Average total assets | $299,434,000 | 2,171 |
| Average earning assets | $276,145,500 | 2,156 |
| Average equity | $23,777,500 | 2,786 |
| Average total loans | $226,146,500 | 1,818 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8004% | 3,808 |
| Cost of funding earning assets | 1.1957% | 2,062 |
| Net interest margin | 3.6047% | 4,711 |
| Noninterest income to average assets | 0.4598% | 4,141 |
| Noninterest expense to average assets | 2.7263% | 4,639 |
| Loan and lease loss provision to assets | 0.1009% | 5,326 |
| Net operating income to assets | 0.5847% | 4,076 |
| Return on assets (ROA) | 0.6060% | 4,156 |
| Pretax return on assets | 0.9926% | 3,270 |
| Return on Equity (ROE) | 8.0159% | 2,889 |
| Retained earnings to average equity (ytd only) | 7.1438% | 1,435 |
| Net charge-offs to loans | 0.1009% | 5,345 |
| Credit loss provision to net charge-offs | 131.7391% | 2,318 |
| Earnings coverage of net charge-offs (x) | 13.8435% | 1,512 |
| Efficiency ratio | 71.2452% | 3,742 |
| Assets per employee ($millions) | 5.0446% | 2,132 |
| Cash dividends to net income (ytd only)* | 10.8791% | 3,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 4,478 |
| Loan loss allowance to noncurrent loans | 131.3308% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.8497% | 4,923 |
| Noncurrent loans to loans | 1.0633% | 4,581 |
| Net loans and leases to total assets | 74.6823% | 1,142 |
| Net loans and leases to deposits | 90.3934% | 1,113 |
| Net loans and leases to core deposits | 97.8173% | 1,344 |
| Total domestic deposits to total assets | 82.6193% | 4,914 |
| Equity capital to assets | 7.9299% | 6,617 |
| Core capital (leverage) ratio | 7.7887% | 6,450 |
| Tier 1 risk-based capital ratio | 12.6030% | 5,366 |
| Total risk-based capital ratio | 15.4886% | 4,113 |
| Memoranda: | ||
| Average total assets | $300,331,000 | 2,127 |
| Average earning assets | $277,165,800 | 2,120 |
| Average equity | $22,705,000 | 2,813 |
| Average total loans | $227,923,400 | 1,819 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8096% | 3,985 |
| Cost of funding earning assets | 1.2215% | 2,181 |
| Net interest margin | 3.5881% | 4,818 |
| Noninterest income to average assets | 0.4040% | 4,638 |
| Noninterest expense to average assets | 2.6790% | 4,806 |
| Loan and lease loss provision to assets | 0.2002% | 4,018 |
| Net operating income to assets | 0.5138% | 4,480 |
| Return on assets (ROA) | 0.5422% | 4,538 |
| Pretax return on assets | 0.8819% | 3,838 |
| Return on Equity (ROE) | 7.2594% | 3,397 |
| Retained earnings to average equity (ytd only) | 6.3875% | 2,304 |
| Net charge-offs to loans | 0.0204% | 5,869 |
| Credit loss provision to net charge-offs | 1,291.4286% | 213 |
| Earnings coverage of net charge-offs (x) | 66.9364% | 489 |
| Efficiency ratio | 71.1000% | 3,722 |
| Assets per employee ($millions) | 5.1295% | 2,021 |
| Cash dividends to net income (ytd only)* | 12.0101% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 3,878 |
| Loan loss allowance to noncurrent loans | 136.0873% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 1.1723% | 4,441 |
| Noncurrent loans to loans | 1.1404% | 4,635 |
| Net loans and leases to total assets | 73.1917% | 1,471 |
| Net loans and leases to deposits | 88.5172% | 1,373 |
| Net loans and leases to core deposits | 98.3435% | 1,398 |
| Total domestic deposits to total assets | 82.6864% | 4,805 |
| Equity capital to assets | 7.6103% | 6,889 |
| Core capital (leverage) ratio | 7.7209% | 6,621 |
| Tier 1 risk-based capital ratio | 12.4573% | 5,528 |
| Total risk-based capital ratio | 15.3565% | 4,250 |
| Memoranda: | ||
| Average total assets | $301,005,250 | 2,136 |
| Average earning assets | $277,908,750 | 2,121 |
| Average equity | $22,480,750 | 2,834 |
| Average total loans | $228,547,250 | 1,833 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7961% | 4,110 |
| Cost of funding earning assets | 1.2393% | 2,328 |
| Net interest margin | 3.5567% | 4,899 |
| Noninterest income to average assets | 0.3714% | 4,894 |
| Noninterest expense to average assets | 2.6413% | 5,033 |
| Loan and lease loss provision to assets | 0.2004% | 3,919 |
| Net operating income to assets | 0.5039% | 4,485 |
| Return on assets (ROA) | 0.5465% | 4,456 |
| Pretax return on assets | 0.8860% | 3,678 |
| Return on Equity (ROE) | 7.3642% | 3,258 |
| Retained earnings to average equity (ytd only) | 6.4852% | 2,149 |
| Net charge-offs to loans | 0.0235% | 5,507 |
| Credit loss provision to net charge-offs | 1,114.8148% | 301 |
| Earnings coverage of net charge-offs (x) | 56.7407% | 562 |
| Efficiency ratio | 71.3818% | 3,858 |
| Assets per employee ($millions) | 5.3214% | 1,734 |
| Cash dividends to net income (ytd only)* | 11.9367% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 4,290 |
| Loan loss allowance to noncurrent loans | 131.4364% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 1.2449% | 4,409 |
| Noncurrent loans to loans | 1.1118% | 4,812 |
| Net loans and leases to total assets | 74.4503% | 1,337 |
| Net loans and leases to deposits | 90.3588% | 1,232 |
| Net loans and leases to core deposits | 102.5517% | 1,148 |
| Total domestic deposits to total assets | 82.3941% | 5,024 |
| Equity capital to assets | 7.4911% | 6,950 |
| Core capital (leverage) ratio | 7.5523% | 6,709 |
| Tier 1 risk-based capital ratio | 12.0571% | 5,744 |
| Total risk-based capital ratio | 14.9343% | 4,366 |
| Memoranda: | ||
| Average total assets | $300,460,000 | 2,146 |
| Average earning assets | $277,894,330 | 2,120 |
| Average equity | $22,297,000 | 2,841 |
| Average total loans | $229,729,670 | 1,846 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8171% | 3,980 |
| Cost of funding earning assets | 1.2476% | 2,519 |
| Net interest margin | 3.5696% | 4,723 |
| Noninterest income to average assets | 0.3986% | 4,703 |
| Noninterest expense to average assets | 2.6178% | 5,163 |
| Loan and lease loss provision to assets | 0.2020% | 3,619 |
| Net operating income to assets | 0.5484% | 4,275 |
| Return on assets (ROA) | 0.5484% | 4,360 |
| Pretax return on assets | 0.8895% | 3,542 |
| Return on Equity (ROE) | 7.4260% | 3,188 |
| Retained earnings to average equity (ytd only) | 6.5566% | 2,346 |
| Net charge-offs to loans | 0.0696% | 4,233 |
| Credit loss provision to net charge-offs | 377.5000% | 877 |
| Earnings coverage of net charge-offs (x) | 20.4000% | 1,111 |
| Efficiency ratio | 70.0325% | 4,266 |
| Assets per employee ($millions) | 5.4153% | 1,646 |
| Cash dividends to net income (ytd only)* | 11.7073% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 4,662 |
| Loan loss allowance to noncurrent loans | 86.9067% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 4,493 |
| Noncurrent loans to loans | 1.6117% | 4,067 |
| Net loans and leases to total assets | 75.2986% | 1,138 |
| Net loans and leases to deposits | 93.0396% | 912 |
| Net loans and leases to core deposits | 105.9657% | 941 |
| Total domestic deposits to total assets | 80.9318% | 5,679 |
| Equity capital to assets | 7.4795% | 6,878 |
| Core capital (leverage) ratio | 7.6173% | 6,635 |
| Tier 1 risk-based capital ratio | 12.0632% | 5,630 |
| Total risk-based capital ratio | 14.9707% | 4,232 |
| Memoranda: | ||
| Average total assets | $299,030,500 | 2,166 |
| Average earning assets | $277,343,500 | 2,132 |
| Average equity | $22,084,500 | 2,856 |
| Average total loans | $230,009,000 | 1,861 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1627% | 3,787 |
| Cost of funding earning assets | 1.5620% | 2,291 |
| Net interest margin | 3.6007% | 4,822 |
| Noninterest income to average assets | 0.4510% | 4,504 |
| Noninterest expense to average assets | 2.7133% | 4,932 |
| Loan and lease loss provision to assets | 0.2034% | 5,210 |
| Net operating income to assets | 0.5390% | 3,930 |
| Return on assets (ROA) | 0.5390% | 4,079 |
| Pretax return on assets | 0.8833% | 3,366 |
| Return on Equity (ROE) | 7.6001% | 2,845 |
| Retained earnings to average equity (ytd only) | 6.6537% | 1,480 |
| Net charge-offs to loans | 0.1824% | 5,215 |
| Credit loss provision to net charge-offs | 139.3103% | 2,732 |
| Earnings coverage of net charge-offs (x) | 7.4437% | 2,129 |
| Efficiency ratio | 70.9176% | 4,002 |
| Assets per employee ($millions) | 5.2670% | 1,788 |
| Cash dividends to net income (ytd only)* | 12.4533% | 3,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 4,887 |
| Loan loss allowance to noncurrent loans | 83.8560% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.2214% | 4,582 |
| Noncurrent loans to loans | 1.5768% | 4,138 |
| Net loans and leases to total assets | 76.4395% | 1,194 |
| Net loans and leases to deposits | 93.4180% | 1,111 |
| Net loans and leases to core deposits | 107.1658% | 1,111 |
| Total domestic deposits to total assets | 81.8253% | 5,238 |
| Equity capital to assets | 7.2920% | 7,001 |
| Core capital (leverage) ratio | 7.2427% | 6,884 |
| Tier 1 risk-based capital ratio | 11.4169% | 5,978 |
| Total risk-based capital ratio | 14.2637% | 4,552 |
| Memoranda: | ||
| Average total assets | $297,974,800 | 2,161 |
| Average earning assets | $277,139,200 | 2,136 |
| Average equity | $21,131,200 | 2,988 |
| Average total loans | $238,537,400 | 1,831 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1717% | 3,976 |
| Cost of funding earning assets | 1.6162% | 2,300 |
| Net interest margin | 3.5555% | 5,080 |
| Noninterest income to average assets | 0.4165% | 4,826 |
| Noninterest expense to average assets | 2.5988% | 5,329 |
| Loan and lease loss provision to assets | 0.3250% | 3,987 |
| Net operating income to assets | 0.4882% | 4,372 |
| Return on assets (ROA) | 0.4882% | 4,568 |
| Pretax return on assets | 0.7975% | 3,916 |
| Return on Equity (ROE) | 6.9336% | 3,377 |
| Retained earnings to average equity (ytd only) | 5.9786% | 2,368 |
| Net charge-offs to loans | 0.0039% | 6,623 |
| Credit loss provision to net charge-offs | 10,357.1429% | 28 |
| Earnings coverage of net charge-offs (x) | 357.8328% | 86 |
| Efficiency ratio | 69.0037% | 4,264 |
| Assets per employee ($millions) | 5.2617% | 1,859 |
| Cash dividends to net income (ytd only)* | 13.7745% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 3,791 |
| Loan loss allowance to noncurrent loans | 73.1717% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.6799% | 3,928 |
| Noncurrent loans to loans | 2.1004% | 3,570 |
| Net loans and leases to total assets | 78.7544% | 924 |
| Net loans and leases to deposits | 96.7730% | 902 |
| Net loans and leases to core deposits | 113.7320% | 850 |
| Total domestic deposits to total assets | 81.3805% | 5,242 |
| Equity capital to assets | 7.2814% | 7,239 |
| Core capital (leverage) ratio | 7.2831% | 7,019 |
| Tier 1 risk-based capital ratio | 11.3422% | 6,061 |
| Total risk-based capital ratio | 14.1986% | 4,597 |
| Memoranda: | ||
| Average total assets | $297,413,750 | 2,203 |
| Average earning assets | $276,445,750 | 2,173 |
| Average equity | $20,941,000 | 3,056 |
| Average total loans | $240,031,500 | 1,847 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1799% | 4,047 |
| Cost of funding earning assets | 1.6822% | 2,211 |
| Net interest margin | 3.4977% | 5,253 |
| Noninterest income to average assets | 0.3640% | 5,225 |
| Noninterest expense to average assets | 2.5213% | 5,639 |
| Loan and lease loss provision to assets | 0.3231% | 3,807 |
| Net operating income to assets | 0.4673% | 4,477 |
| Return on assets (ROA) | 0.4673% | 4,636 |
| Pretax return on assets | 0.7716% | 3,981 |
| Return on Equity (ROE) | 6.7117% | 3,439 |
| Retained earnings to average equity (ytd only) | 5.7777% | 2,456 |
| Net charge-offs to loans | 0.0033% | 6,334 |
| Credit loss provision to net charge-offs | 12,050.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 408.2500% | 83 |
| Efficiency ratio | 69.2436% | 4,324 |
| Assets per employee ($millions) | 5.3751% | 1,724 |
| Cash dividends to net income (ytd only)* | 13.9168% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 4,295 |
| Loan loss allowance to noncurrent loans | 87.8670% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 1.3020% | 4,550 |
| Noncurrent loans to loans | 1.6253% | 4,273 |
| Net loans and leases to total assets | 78.9628% | 964 |
| Net loans and leases to deposits | 99.7756% | 742 |
| Net loans and leases to core deposits | 117.4603% | 785 |
| Total domestic deposits to total assets | 79.1404% | 5,999 |
| Equity capital to assets | 7.1295% | 7,300 |
| Core capital (leverage) ratio | 7.1220% | 7,117 |
| Tier 1 risk-based capital ratio | 11.2518% | 5,994 |
| Total risk-based capital ratio | 14.1274% | 4,502 |
| Memoranda: | ||
| Average total assets | $298,333,670 | 2,209 |
| Average earning assets | $277,380,670 | 2,175 |
| Average equity | $20,769,670 | 3,068 |
| Average total loans | $241,483,670 | 1,862 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2319% | 3,868 |
| Cost of funding earning assets | 1.7817% | 1,960 |
| Net interest margin | 3.4501% | 5,374 |
| Noninterest income to average assets | 0.3337% | 5,475 |
| Noninterest expense to average assets | 2.4479% | 5,919 |
| Loan and lease loss provision to assets | 0.3217% | 3,486 |
| Net operating income to assets | 0.4738% | 4,516 |
| Return on assets (ROA) | 0.4738% | 4,648 |
| Pretax return on assets | 0.7741% | 3,974 |
| Return on Equity (ROE) | 6.8879% | 3,402 |
| Retained earnings to average equity (ytd only) | 5.9565% | 2,638 |
| Net charge-offs to loans | -0.0016% | 6,760 |
| Credit loss provision to net charge-offs | -24,100.0000% | 6,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6629% | 4,585 |
| Assets per employee ($millions) | 5.1810% | 1,987 |
| Cash dividends to net income (ytd only)* | 13.5211% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 4,833 |
| Loan loss allowance to noncurrent loans | 143.3911% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 5,670 |
| Noncurrent loans to loans | 0.9197% | 5,476 |
| Net loans and leases to total assets | 79.7121% | 875 |
| Net loans and leases to deposits | 107.1347% | 378 |
| Net loans and leases to core deposits | 124.6004% | 630 |
| Total domestic deposits to total assets | 74.4036% | 6,992 |
| Equity capital to assets | 7.0331% | 7,351 |
| Core capital (leverage) ratio | 6.9552% | 7,278 |
| Tier 1 risk-based capital ratio | 10.9610% | 6,202 |
| Total risk-based capital ratio | 13.8123% | 4,651 |
| Memoranda: | ||
| Average total assets | $299,686,000 | 2,251 |
| Average earning assets | $278,829,000 | 2,217 |
| Average equity | $20,616,000 | 3,117 |
| Average total loans | $243,816,000 | 1,900 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5342% | 3,966 |
| Cost of funding earning assets | 2.2907% | 1,697 |
| Net interest margin | 3.2435% | 5,950 |
| Noninterest income to average assets | 0.3506% | 5,587 |
| Noninterest expense to average assets | 2.4688% | 6,241 |
| Loan and lease loss provision to assets | 0.2136% | 5,638 |
| Net operating income to assets | 0.3885% | 4,169 |
| Return on assets (ROA) | 0.3764% | 4,328 |
| Pretax return on assets | 0.6169% | 3,860 |
| Return on Equity (ROE) | 5.6080% | 3,377 |
| Retained earnings to average equity (ytd only) | 4.4124% | 2,158 |
| Net charge-offs to loans | 0.0579% | 6,513 |
| Credit loss provision to net charge-offs | 454.2857% | 684 |
| Earnings coverage of net charge-offs (x) | 18.0643% | 1,150 |
| Efficiency ratio | 74.2739% | 3,841 |
| Assets per employee ($millions) | 5.3343% | 1,808 |
| Cash dividends to net income (ytd only)* | 21.3202% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 5,556 |
| Loan loss allowance to noncurrent loans | 129.8167% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.7357% | 5,637 |
| Noncurrent loans to loans | 0.8981% | 5,515 |
| Net loans and leases to total assets | 80.9652% | 842 |
| Net loans and leases to deposits | 112.3296% | 311 |
| Net loans and leases to core deposits | 124.9610% | 1,576 |
| Total domestic deposits to total assets | 72.0782% | 7,235 |
| Equity capital to assets | 6.7297% | 7,487 |
| Core capital (leverage) ratio | 6.8143% | 7,360 |
| Tier 1 risk-based capital ratio | 10.2730% | 6,613 |
| Total risk-based capital ratio | 13.0515% | 5,075 |
| Memoranda: | ||
| Average total assets | $297,800,200 | 2,226 |
| Average earning assets | $272,450,600 | 2,221 |
| Average equity | $19,989,200 | 3,202 |
| Average total loans | $241,827,200 | 1,935 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5655% | 4,060 |
| Cost of funding earning assets | 2.3723% | 1,733 |
| Net interest margin | 3.1932% | 6,049 |
| Noninterest income to average assets | 0.3497% | 5,697 |
| Noninterest expense to average assets | 2.4876% | 6,110 |
| Loan and lease loss provision to assets | 0.1733% | 5,628 |
| Net operating income to assets | 0.3650% | 4,534 |
| Return on assets (ROA) | 0.3650% | 4,637 |
| Pretax return on assets | 0.5968% | 4,197 |
| Return on Equity (ROE) | 5.4416% | 3,765 |
| Retained earnings to average equity (ytd only) | 4.1668% | 2,953 |
| Net charge-offs to loans | 0.0178% | 6,670 |
| Credit loss provision to net charge-offs | 1,203.1250% | 315 |
| Earnings coverage of net charge-offs (x) | 53.4633% | 600 |
| Efficiency ratio | 76.4300% | 3,429 |
| Assets per employee ($millions) | 5.3289% | 1,759 |
| Cash dividends to net income (ytd only)* | 23.4281% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 5,609 |
| Loan loss allowance to noncurrent loans | 249.8643% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 6,555 |
| Noncurrent loans to loans | 0.4475% | 6,433 |
| Net loans and leases to total assets | 81.8229% | 840 |
| Net loans and leases to deposits | 115.0120% | 291 |
| Net loans and leases to core deposits | 128.3881% | 1,548 |
| Total domestic deposits to total assets | 71.1429% | 7,319 |
| Equity capital to assets | 6.8008% | 7,676 |
| Core capital (leverage) ratio | 6.6770% | 7,595 |
| Tier 1 risk-based capital ratio | 10.1841% | 6,797 |
| Total risk-based capital ratio | 12.9881% | 5,155 |
| Memoranda: | ||
| Average total assets | $296,237,000 | 2,255 |
| Average earning assets | $269,775,750 | 2,261 |
| Average equity | $19,871,000 | 3,257 |
| Average total loans | $240,013,750 | 1,972 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5926% | 4,110 |
| Cost of funding earning assets | 2.4686% | 1,720 |
| Net interest margin | 3.1240% | 6,169 |
| Noninterest income to average assets | 0.3526% | 5,678 |
| Noninterest expense to average assets | 2.4629% | 6,249 |
| Loan and lease loss provision to assets | 0.1746% | 5,305 |
| Net operating income to assets | 0.3282% | 4,770 |
| Return on assets (ROA) | 0.3282% | 4,890 |
| Pretax return on assets | 0.5381% | 4,504 |
| Return on Equity (ROE) | 4.9165% | 4,112 |
| Retained earnings to average equity (ytd only) | 3.5378% | 3,334 |
| Net charge-offs to loans | 0.0303% | 6,039 |
| Credit loss provision to net charge-offs | 716.6667% | 663 |
| Earnings coverage of net charge-offs (x) | 29.2500% | 1,014 |
| Efficiency ratio | 77.6641% | 3,398 |
| Assets per employee ($millions) | 5.1173% | 1,950 |
| Cash dividends to net income (ytd only)* | 28.0412% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 5,730 |
| Loan loss allowance to noncurrent loans | 272.8216% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3248% | 6,655 |
| Noncurrent loans to loans | 0.3958% | 6,522 |
| Net loans and leases to total assets | 81.1688% | 1,104 |
| Net loans and leases to deposits | 113.3047% | 431 |
| Net loans and leases to core deposits | 126.5791% | 1,811 |
| Total domestic deposits to total assets | 71.6376% | 7,286 |
| Equity capital to assets | 6.7196% | 7,743 |
| Core capital (leverage) ratio | 6.5222% | 7,785 |
| Tier 1 risk-based capital ratio | 10.1616% | 6,760 |
| Total risk-based capital ratio | 12.9995% | 5,070 |
| Memoranda: | ||
| Average total assets | $295,509,670 | 2,282 |
| Average earning assets | $267,031,000 | 2,296 |
| Average equity | $19,729,670 | 3,287 |
| Average total loans | $237,706,330 | 2,023 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6337% | 4,146 |
| Cost of funding earning assets | 2.5303% | 1,800 |
| Net interest margin | 3.1034% | 6,186 |
| Noninterest income to average assets | 0.3147% | 5,928 |
| Noninterest expense to average assets | 2.4052% | 6,176 |
| Loan and lease loss provision to assets | 0.1736% | 4,726 |
| Net operating income to assets | 0.3039% | 5,285 |
| Return on assets (ROA) | 0.3039% | 5,457 |
| Pretax return on assets | 0.4979% | 5,084 |
| Return on Equity (ROE) | 4.5662% | 4,680 |
| Retained earnings to average equity (ytd only) | 3.0985% | 4,149 |
| Net charge-offs to loans | 0.0051% | 5,626 |
| Credit loss provision to net charge-offs | 4,266.6667% | 170 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 261 |
| Efficiency ratio | 78.9242% | 3,016 |
| Assets per employee ($millions) | 5.3954% | 1,649 |
| Cash dividends to net income (ytd only)* | 32.1429% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 5,702 |
| Loan loss allowance to noncurrent loans | 456.3964% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 6,974 |
| Noncurrent loans to loans | 0.2338% | 6,863 |
| Net loans and leases to total assets | 79.1241% | 1,557 |
| Net loans and leases to deposits | 110.1153% | 603 |
| Net loans and leases to core deposits | 123.7881% | 2,098 |
| Total domestic deposits to total assets | 71.8557% | 7,232 |
| Equity capital to assets | 6.6275% | 7,832 |
| Core capital (leverage) ratio | 6.4390% | 7,904 |
| Tier 1 risk-based capital ratio | 10.2444% | 6,652 |
| Total risk-based capital ratio | 13.1296% | 4,962 |
| Memoranda: | ||
| Average total assets | $294,862,000 | 2,306 |
| Average earning assets | $262,420,000 | 2,346 |
| Average equity | $19,622,500 | 3,318 |
| Average total loans | $234,788,000 | 2,059 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4132% | 3,345 |
| Cost of funding earning assets | 2.8741% | 2,373 |
| Net interest margin | 3.5391% | 5,149 |
| Noninterest income to average assets | 0.3493% | 5,938 |
| Noninterest expense to average assets | 2.7094% | 5,231 |
| Loan and lease loss provision to assets | 0.1142% | 5,910 |
| Net operating income to assets | 0.4791% | 4,834 |
| Return on assets (ROA) | -0.1171% | 6,371 |
| Pretax return on assets | -0.2177% | 6,384 |
| Return on Equity (ROE) | -1.6298% | 6,454 |
| Retained earnings to average equity (ytd only) | -3.5513% | 6,237 |
| Net charge-offs to loans | 0.0574% | 5,957 |
| Credit loss provision to net charge-offs | 239.3939% | 1,966 |
| Earnings coverage of net charge-offs (x) | 17.3561% | 1,779 |
| Efficiency ratio | 75.1559% | 3,379 |
| Assets per employee ($millions) | 5.0513% | 1,904 |
| Cash dividends to net income (ytd only)* | -117.9012% | 8,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 5,735 |
| Loan loss allowance to noncurrent loans | 341.5603% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 6,612 |
| Noncurrent loans to loans | 0.3036% | 6,469 |
| Net loans and leases to total assets | 78.4487% | 2,011 |
| Net loans and leases to deposits | 109.0847% | 893 |
| Net loans and leases to core deposits | 122.0261% | 2,501 |
| Total domestic deposits to total assets | 71.9154% | 7,013 |
| Equity capital to assets | 6.6825% | 7,876 |
| Core capital (leverage) ratio | 6.8783% | 7,779 |
| Tier 1 risk-based capital ratio | 10.5222% | 6,188 |
| Total risk-based capital ratio | 13.4423% | 4,564 |
| Memoranda: | ||
| Average total assets | $276,589,800 | 2,336 |
| Average earning assets | $249,190,000 | 2,379 |
| Average equity | $19,879,800 | 3,249 |
| Average total loans | $229,919,400 | 2,048 |