| 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 | 4.0852% | 3,039 |
| Cost of funding earning assets | 0.5341% | 1,996 |
| Net interest margin | 3.5511% | 3,317 |
| Noninterest income to average assets | 0.9361% | 1,176 |
| Noninterest expense to average assets | 3.2827% | 1,388 |
| Loan and lease loss provision to assets | 0.2547% | 673 |
| Net operating income to assets | 0.5064% | 4,712 |
| Return on assets (ROA) | 0.5064% | 4,743 |
| Pretax return on assets | 0.6486% | 4,728 |
| Return on Equity (ROE) | 4.3528% | 4,753 |
| Retained earnings to average equity (ytd only) | -0.2026% | 5,241 |
| Net charge-offs to loans | 0.6097% | 322 |
| Credit loss provision to net charge-offs | 52.8684% | 2,879 |
| Earnings coverage of net charge-offs (x) | 1.8751% | 3,536 |
| Efficiency ratio | 78.3172% | 1,290 |
| Assets per employee ($millions) | 3.9006% | 4,160 |
| Cash dividends to net income (ytd only)* | 104.6546% | 259 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7039% | 5,132 |
| Loan loss allowance to noncurrent loans | 134.2512% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 3,204 |
| Noncurrent loans to loans | 0.5243% | 3,127 |
| Net loans and leases to total assets | 77.9119% | 1,283 |
| Net loans and leases to deposits | 89.4339% | 1,881 |
| Net loans and leases to core deposits | 96.9613% | 1,985 |
| Total domestic deposits to total assets | 87.1168% | 1,817 |
| Equity capital to assets | 11.3399% | 2,536 |
| Core capital (leverage) ratio | 10.1095% | 3,432 |
| Tier 1 risk-based capital ratio | 13.0652% | 3,964 |
| Total risk-based capital ratio | 13.7977% | 4,197 |
| Memoranda: |
| Average total assets | $492,098,250 | 1,435 |
| Average earning assets | $450,363,750 | 1,445 |
| Average equity | $57,249,500 | 1,382 |
| Average total loans | $388,840,250 | 1,270 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0564% | 2,989 |
| Cost of funding earning assets | 0.5261% | 1,951 |
| Net interest margin | 3.5303% | 3,295 |
| Noninterest income to average assets | 0.9480% | 1,136 |
| Noninterest expense to average assets | 3.0180% | 2,064 |
| Loan and lease loss provision to assets | 0.3440% | 425 |
| Net operating income to assets | 0.6147% | 4,237 |
| Return on assets (ROA) | 0.6147% | 4,283 |
| Pretax return on assets | 0.8174% | 4,209 |
| Return on Equity (ROE) | 5.2379% | 4,377 |
| Retained earnings to average equity (ytd only) | 0.5549% | 4,962 |
| Net charge-offs to loans | 0.2228% | 915 |
| Credit loss provision to net charge-offs | 194.8956% | 1,300 |
| Earnings coverage of net charge-offs (x) | 6.5800% | 2,690 |
| Efficiency ratio | 72.1046% | 2,321 |
| Assets per employee ($millions) | 3.7591% | 4,341 |
| Cash dividends to net income (ytd only)* | 89.4071% | 633 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0347% | 3,935 |
| Loan loss allowance to noncurrent loans | 161.2981% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 3,079 |
| Noncurrent loans to loans | 0.6415% | 2,809 |
| Net loans and leases to total assets | 77.6015% | 1,301 |
| Net loans and leases to deposits | 89.1453% | 1,845 |
| Net loans and leases to core deposits | 96.5467% | 1,924 |
| Total domestic deposits to total assets | 87.0506% | 1,927 |
| Equity capital to assets | 11.5609% | 2,261 |
| Core capital (leverage) ratio | 10.2855% | 3,163 |
| Tier 1 risk-based capital ratio | 13.3992% | 3,748 |
| Total risk-based capital ratio | 14.4832% | 3,763 |
| Memoranda: |
| Average total assets | $488,404,000 | 1,448 |
| Average earning assets | $447,041,670 | 1,459 |
| Average equity | $57,312,670 | 1,381 |
| Average total loans | $386,848,000 | 1,277 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0556% | 2,823 |
| Cost of funding earning assets | 0.5194% | 1,940 |
| Net interest margin | 3.5362% | 3,142 |
| Noninterest income to average assets | 0.9362% | 1,152 |
| Noninterest expense to average assets | 3.0060% | 2,153 |
| Loan and lease loss provision to assets | 0.4458% | 238 |
| Net operating income to assets | 0.5498% | 4,381 |
| Return on assets (ROA) | 0.5498% | 4,426 |
| Pretax return on assets | 0.7166% | 4,394 |
| Return on Equity (ROE) | 4.6504% | 4,541 |
| Retained earnings to average equity (ytd only) | 1.2778% | 4,571 |
| Net charge-offs to loans | 0.3951% | 463 |
| Credit loss provision to net charge-offs | 141.7323% | 1,254 |
| Earnings coverage of net charge-offs (x) | 3.6955% | 2,459 |
| Efficiency ratio | 72.0341% | 2,568 |
| Assets per employee ($millions) | 3.9380% | 4,116 |
| Cash dividends to net income (ytd only)* | 72.5225% | 1,111 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9803% | 4,392 |
| Loan loss allowance to noncurrent loans | 163.6758% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.5810% | 2,913 |
| Noncurrent loans to loans | 0.5990% | 3,021 |
| Net loans and leases to total assets | 78.1062% | 1,123 |
| Net loans and leases to deposits | 89.9454% | 1,540 |
| Net loans and leases to core deposits | 97.7377% | 1,679 |
| Total domestic deposits to total assets | 86.8374% | 2,291 |
| Equity capital to assets | 11.7510% | 1,997 |
| Core capital (leverage) ratio | 10.4364% | 2,976 |
| Tier 1 risk-based capital ratio | 13.6317% | 3,696 |
| Total risk-based capital ratio | 14.6668% | 3,743 |
| Memoranda: |
| Average total assets | $484,502,500 | 1,460 |
| Average earning assets | $442,848,000 | 1,477 |
| Average equity | $57,286,000 | 1,375 |
| Average total loans | $385,727,000 | 1,288 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0539% | 3,008 |
| Cost of funding earning assets | 0.4803% | 2,256 |
| Net interest margin | 3.5736% | 3,172 |
| Noninterest income to average assets | 1.0074% | 1,124 |
| Noninterest expense to average assets | 3.0833% | 2,087 |
| Loan and lease loss provision to assets | 0.1468% | 1,697 |
| Net operating income to assets | 0.7667% | 3,466 |
| Return on assets (ROA) | 0.7667% | 3,571 |
| Pretax return on assets | 1.0405% | 3,325 |
| Return on Equity (ROE) | 6.3109% | 3,840 |
| Retained earnings to average equity (ytd only) | 3.2361% | 3,606 |
| Net charge-offs to loans | 0.0785% | 2,563 |
| Credit loss provision to net charge-offs | 240.1408% | 1,205 |
| Earnings coverage of net charge-offs (x) | 19.4190% | 1,917 |
| Efficiency ratio | 72.1012% | 2,573 |
| Assets per employee ($millions) | 3.7555% | 4,389 |
| Cash dividends to net income (ytd only)* | 48.7223% | 2,372 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9364% | 4,629 |
| Loan loss allowance to noncurrent loans | 190.0683% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.5413% | 3,113 |
| Noncurrent loans to loans | 0.4926% | 3,390 |
| Net loans and leases to total assets | 79.6057% | 949 |
| Net loans and leases to deposits | 95.5952% | 1,033 |
| Net loans and leases to core deposits | 103.5478% | 1,316 |
| Total domestic deposits to total assets | 83.2737% | 3,668 |
| Equity capital to assets | 11.8975% | 1,878 |
| Core capital (leverage) ratio | 10.6359% | 2,736 |
| Tier 1 risk-based capital ratio | 13.5379% | 3,748 |
| Total risk-based capital ratio | 14.5275% | 3,822 |
| Memoranda: |
| Average total assets | $464,476,800 | 1,465 |
| Average earning assets | $424,133,600 | 1,487 |
| Average equity | $56,425,800 | 1,366 |
| Average total loans | $361,652,600 | 1,301 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0307% | 3,107 |
| Cost of funding earning assets | 0.4782% | 2,286 |
| Net interest margin | 3.5526% | 3,261 |
| Noninterest income to average assets | 1.0199% | 1,107 |
| Noninterest expense to average assets | 3.1066% | 2,010 |
| Loan and lease loss provision to assets | 0.0877% | 2,473 |
| Net operating income to assets | 0.7865% | 3,429 |
| Return on assets (ROA) | 0.7865% | 3,569 |
| Pretax return on assets | 1.0700% | 3,351 |
| Return on Equity (ROE) | 6.4395% | 3,866 |
| Retained earnings to average equity (ytd only) | 3.3549% | 3,883 |
| Net charge-offs to loans | 0.0773% | 2,216 |
| Credit loss provision to net charge-offs | 147.0874% | 1,795 |
| Earnings coverage of net charge-offs (x) | 19.4077% | 1,935 |
| Efficiency ratio | 72.7557% | 2,467 |
| Assets per employee ($millions) | 3.7055% | 4,458 |
| Cash dividends to net income (ytd only)* | 47.9013% | 1,987 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9054% | 4,849 |
| Loan loss allowance to noncurrent loans | 522.2047% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 4,362 |
| Noncurrent loans to loans | 0.1734% | 4,659 |
| Net loans and leases to total assets | 77.7313% | 1,243 |
| Net loans and leases to deposits | 90.0693% | 1,744 |
| Net loans and leases to core deposits | 95.6762% | 2,031 |
| Total domestic deposits to total assets | 86.3016% | 2,217 |
| Equity capital to assets | 12.2265% | 1,967 |
| Core capital (leverage) ratio | 10.8138% | 2,670 |
| Tier 1 risk-based capital ratio | 14.1173% | 3,495 |
| Total risk-based capital ratio | 15.0796% | 3,576 |
| Memoranda: |
| Average total assets | $460,421,500 | 1,483 |
| Average earning assets | $420,491,000 | 1,499 |
| Average equity | $56,234,500 | 1,376 |
| Average total loans | $355,495,750 | 1,320 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0260% | 3,159 |
| Cost of funding earning assets | 0.4759% | 2,308 |
| Net interest margin | 3.5501% | 3,295 |
| Noninterest income to average assets | 1.0033% | 1,107 |
| Noninterest expense to average assets | 3.1113% | 2,025 |
| Loan and lease loss provision to assets | 0.0908% | 2,334 |
| Net operating income to assets | 0.7703% | 3,445 |
| Return on assets (ROA) | 0.7703% | 3,593 |
| Pretax return on assets | 1.0474% | 3,407 |
| Return on Equity (ROE) | 6.3091% | 3,899 |
| Retained earnings to average equity (ytd only) | 3.2099% | 3,853 |
| Net charge-offs to loans | 0.0682% | 2,210 |
| Credit loss provision to net charge-offs | 173.3333% | 1,440 |
| Earnings coverage of net charge-offs (x) | 21.7333% | 1,664 |
| Efficiency ratio | 73.1437% | 2,492 |
| Assets per employee ($millions) | 3.5550% | 4,671 |
| Cash dividends to net income (ytd only)* | 49.1218% | 2,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9215% | 4,882 |
| Loan loss allowance to noncurrent loans | 542.1311% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 4,403 |
| Noncurrent loans to loans | 0.1700% | 4,757 |
| Net loans and leases to total assets | 76.9344% | 1,347 |
| Net loans and leases to deposits | 89.4465% | 1,815 |
| Net loans and leases to core deposits | 95.3992% | 2,031 |
| Total domestic deposits to total assets | 86.0116% | 2,415 |
| Equity capital to assets | 12.2175% | 1,962 |
| Core capital (leverage) ratio | 10.6905% | 2,747 |
| Tier 1 risk-based capital ratio | 14.2756% | 3,453 |
| Total risk-based capital ratio | 15.2588% | 3,515 |
| Memoranda: |
| Average total assets | $458,266,000 | 1,498 |
| Average earning assets | $419,028,330 | 1,507 |
| Average equity | $55,951,330 | 1,381 |
| Average total loans | $351,916,330 | 1,328 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0222% | 3,142 |
| Cost of funding earning assets | 0.4623% | 2,443 |
| Net interest margin | 3.5598% | 3,242 |
| Noninterest income to average assets | 0.9537% | 1,174 |
| Noninterest expense to average assets | 3.1241% | 2,033 |
| Loan and lease loss provision to assets | 0.1096% | 1,897 |
| Net operating income to assets | 0.7276% | 3,585 |
| Return on assets (ROA) | 0.7276% | 3,698 |
| Pretax return on assets | 0.9800% | 3,553 |
| Return on Equity (ROE) | 5.9610% | 4,003 |
| Retained earnings to average equity (ytd only) | 2.8440% | 4,090 |
| Net charge-offs to loans | 0.0184% | 2,564 |
| Credit loss provision to net charge-offs | 781.2500% | 441 |
| Earnings coverage of net charge-offs (x) | 77.6875% | 650 |
| Efficiency ratio | 74.0379% | 2,469 |
| Assets per employee ($millions) | 3.5445% | 4,749 |
| Cash dividends to net income (ytd only)* | 52.2892% | 1,668 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9482% | 4,861 |
| Loan loss allowance to noncurrent loans | 359.7838% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3243% | 4,267 |
| Noncurrent loans to loans | 0.2636% | 4,492 |
| Net loans and leases to total assets | 76.0292% | 1,389 |
| Net loans and leases to deposits | 88.5084% | 1,766 |
| Net loans and leases to core deposits | 94.5218% | 1,937 |
| Total domestic deposits to total assets | 85.9005% | 2,713 |
| Equity capital to assets | 12.2335% | 1,871 |
| Core capital (leverage) ratio | 10.6840% | 2,752 |
| Tier 1 risk-based capital ratio | 14.5133% | 3,386 |
| Total risk-based capital ratio | 15.5293% | 3,437 |
| Memoranda: |
| Average total assets | $456,325,500 | 1,502 |
| Average earning assets | $417,885,500 | 1,516 |
| Average equity | $55,695,500 | 1,384 |
| Average total loans | $348,446,000 | 1,339 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9973% | 3,319 |
| Cost of funding earning assets | 0.4339% | 2,806 |
| Net interest margin | 3.5634% | 3,268 |
| Noninterest income to average assets | 1.1375% | 910 |
| Noninterest expense to average assets | 3.2024% | 1,967 |
| Loan and lease loss provision to assets | 0.1090% | 2,174 |
| Net operating income to assets | 0.8122% | 3,291 |
| Return on assets (ROA) | 0.8258% | 3,298 |
| Pretax return on assets | 1.0859% | 3,124 |
| Return on Equity (ROE) | 6.8907% | 3,568 |
| Retained earnings to average equity (ytd only) | -6.3471% | 5,965 |
| Net charge-offs to loans | 0.1731% | 1,649 |
| Credit loss provision to net charge-offs | 86.6788% | 2,821 |
| Earnings coverage of net charge-offs (x) | 9.3631% | 2,829 |
| Efficiency ratio | 72.2135% | 2,871 |
| Assets per employee ($millions) | 3.5579% | 4,707 |
| Cash dividends to net income (ytd only)* | 192.1111% | 103 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9305% | 4,968 |
| Loan loss allowance to noncurrent loans | 576.8817% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 4,616 |
| Noncurrent loans to loans | 0.1613% | 4,849 |
| Net loans and leases to total assets | 75.2527% | 1,531 |
| Net loans and leases to deposits | 93.8818% | 1,210 |
| Net loans and leases to core deposits | 96.3789% | 1,808 |
| Total domestic deposits to total assets | 80.1569% | 4,706 |
| Equity capital to assets | 12.1768% | 1,828 |
| Core capital (leverage) ratio | 10.9071% | 2,486 |
| Tier 1 risk-based capital ratio | 14.6682% | 3,342 |
| Total risk-based capital ratio | 15.6664% | 3,400 |
| Memoranda: |
| Average total assets | $435,948,200 | 1,526 |
| Average earning assets | $396,616,600 | 1,543 |
| Average equity | $52,244,600 | 1,424 |
| Average total loans | $316,646,000 | 1,404 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9895% | 3,383 |
| Cost of funding earning assets | 0.4376% | 2,826 |
| Net interest margin | 3.5518% | 3,333 |
| Noninterest income to average assets | 1.1202% | 960 |
| Noninterest expense to average assets | 3.2803% | 1,745 |
| Loan and lease loss provision to assets | 0.0510% | 3,185 |
| Net operating income to assets | 0.7626% | 3,624 |
| Return on assets (ROA) | 0.7806% | 3,610 |
| Pretax return on assets | 1.0411% | 3,451 |
| Return on Equity (ROE) | 6.5418% | 3,881 |
| Retained earnings to average equity (ytd only) | -10.0434% | 6,128 |
| Net charge-offs to loans | 0.0728% | 2,518 |
| Credit loss provision to net charge-offs | 97.6331% | 2,341 |
| Earnings coverage of net charge-offs (x) | 20.4317% | 1,871 |
| Efficiency ratio | 74.3509% | 2,496 |
| Assets per employee ($millions) | 3.4453% | 4,900 |
| Cash dividends to net income (ytd only)* | 253.5262% | 58 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0249% | 4,616 |
| Loan loss allowance to noncurrent loans | 239.6501% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 4,501 |
| Noncurrent loans to loans | 0.4277% | 4,070 |
| Net loans and leases to total assets | 73.1444% | 1,883 |
| Net loans and leases to deposits | 85.8862% | 2,157 |
| Net loans and leases to core deposits | 88.2599% | 2,636 |
| Total domestic deposits to total assets | 85.1643% | 2,947 |
| Equity capital to assets | 12.6699% | 1,638 |
| Core capital (leverage) ratio | 11.0770% | 2,406 |
| Tier 1 risk-based capital ratio | 15.6416% | 2,979 |
| Total risk-based capital ratio | 16.7468% | 2,977 |
| Memoranda: |
| Average total assets | $431,083,500 | 1,557 |
| Average earning assets | $391,786,500 | 1,568 |
| Average equity | $51,442,250 | 1,447 |
| Average total loans | $309,326,250 | 1,437 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9924% | 3,326 |
| Cost of funding earning assets | 0.4483% | 2,752 |
| Net interest margin | 3.5441% | 3,311 |
| Noninterest income to average assets | 1.1152% | 974 |
| Noninterest expense to average assets | 3.2618% | 1,814 |
| Loan and lease loss provision to assets | 0.0651% | 2,817 |
| Net operating income to assets | 0.7582% | 3,604 |
| Return on assets (ROA) | 0.7854% | 3,562 |
| Pretax return on assets | 1.0454% | 3,392 |
| Return on Equity (ROE) | 6.7216% | 3,774 |
| Retained earnings to average equity (ytd only) | -16.4121% | 6,240 |
| Net charge-offs to loans | 0.0622% | 2,491 |
| Credit loss provision to net charge-offs | 147.3684% | 1,557 |
| Earnings coverage of net charge-offs (x) | 24.3158% | 1,566 |
| Efficiency ratio | 74.0669% | 2,668 |
| Assets per employee ($millions) | 3.4274% | 4,941 |
| Cash dividends to net income (ytd only)* | 344.1681% | 41 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0631% | 4,520 |
| Loan loss allowance to noncurrent loans | 276.6998% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 4,761 |
| Noncurrent loans to loans | 0.3842% | 4,330 |
| Net loans and leases to total assets | 71.9099% | 1,998 |
| Net loans and leases to deposits | 85.1250% | 2,159 |
| Net loans and leases to core deposits | 87.5770% | 2,595 |
| Total domestic deposits to total assets | 84.4756% | 3,362 |
| Equity capital to assets | 11.3134% | 2,564 |
| Core capital (leverage) ratio | 9.6481% | 4,075 |
| Tier 1 risk-based capital ratio | 13.7948% | 4,036 |
| Total risk-based capital ratio | 14.9293% | 4,045 |
| Memoranda: |
| Average total assets | $430,073,330 | 1,565 |
| Average earning assets | $390,842,670 | 1,583 |
| Average equity | $50,255,670 | 1,488 |
| Average total loans | $305,495,670 | 1,453 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9881% | 3,272 |
| Cost of funding earning assets | 0.4461% | 2,815 |
| Net interest margin | 3.5420% | 3,255 |
| Noninterest income to average assets | 1.0382% | 1,038 |
| Noninterest expense to average assets | 3.2434% | 1,860 |
| Loan and lease loss provision to assets | 0.0606% | 2,717 |
| Net operating income to assets | 0.7181% | 3,711 |
| Return on assets (ROA) | 0.7726% | 3,541 |
| Pretax return on assets | 1.0261% | 3,398 |
| Return on Equity (ROE) | 6.5077% | 3,759 |
| Retained earnings to average equity (ytd only) | -35.9690% | 6,360 |
| Net charge-offs to loans | 0.0770% | 1,933 |
| Credit loss provision to net charge-offs | 112.0690% | 1,494 |
| Earnings coverage of net charge-offs (x) | 18.7586% | 1,478 |
| Efficiency ratio | 74.9562% | 2,656 |
| Assets per employee ($millions) | 3.3898% | 5,099 |
| Cash dividends to net income (ytd only)* | 652.7141% | 20 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0851% | 4,591 |
| Loan loss allowance to noncurrent loans | 247.3013% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 4,737 |
| Noncurrent loans to loans | 0.4388% | 4,284 |
| Net loans and leases to total assets | 70.4082% | 2,081 |
| Net loans and leases to deposits | 81.6782% | 2,377 |
| Net loans and leases to core deposits | 84.0945% | 2,759 |
| Total domestic deposits to total assets | 86.2019% | 2,829 |
| Equity capital to assets | 11.4155% | 2,546 |
| Core capital (leverage) ratio | 9.5069% | 4,266 |
| Tier 1 risk-based capital ratio | 13.8242% | 4,134 |
| Total risk-based capital ratio | 14.9668% | 4,115 |
| Memoranda: |
| Average total assets | $429,185,500 | 1,578 |
| Average earning assets | $390,057,000 | 1,592 |
| Average equity | $50,955,000 | 1,478 |
| Average total loans | $301,304,000 | 1,474 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9546% | 3,902 |
| Cost of funding earning assets | 0.4897% | 2,775 |
| Net interest margin | 3.4650% | 3,921 |
| Noninterest income to average assets | 1.0299% | 1,154 |
| Noninterest expense to average assets | 3.2046% | 2,204 |
| Loan and lease loss provision to assets | -0.0576% | 6,058 |
| Net operating income to assets | 0.7762% | 3,488 |
| Return on assets (ROA) | 0.7953% | 3,496 |
| Pretax return on assets | 1.0514% | 3,295 |
| Return on Equity (ROE) | 6.6175% | 3,830 |
| Retained earnings to average equity (ytd only) | 3.6387% | 3,630 |
| Net charge-offs to loans | -0.1497% | 6,213 |
| Credit loss provision to net charge-offs | 57.6037% | 3,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5855% | 2,578 |
| Assets per employee ($millions) | 3.4501% | 4,979 |
| Cash dividends to net income (ytd only)* | 45.0145% | 2,569 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1025% | 4,528 |
| Loan loss allowance to noncurrent loans | 257.7917% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 4,850 |
| Noncurrent loans to loans | 0.4277% | 4,358 |
| Net loans and leases to total assets | 68.4728% | 2,494 |
| Net loans and leases to deposits | 81.2369% | 2,573 |
| Net loans and leases to core deposits | 83.8021% | 2,919 |
| Total domestic deposits to total assets | 84.2879% | 3,594 |
| Equity capital to assets | 12.3250% | 1,753 |
| Core capital (leverage) ratio | 10.5119% | 2,933 |
| Tier 1 risk-based capital ratio | 15.8241% | 3,044 |
| Total risk-based capital ratio | 16.9949% | 3,035 |
| Memoranda: |
| Average total assets | $433,815,600 | 1,536 |
| Average earning assets | $393,539,600 | 1,554 |
| Average equity | $52,134,400 | 1,400 |
| Average total loans | $289,833,200 | 1,476 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9250% | 4,076 |
| Cost of funding earning assets | 0.5000% | 2,767 |
| Net interest margin | 3.4250% | 4,126 |
| Noninterest income to average assets | 1.0302% | 1,159 |
| Noninterest expense to average assets | 3.1957% | 2,192 |
| Loan and lease loss provision to assets | 0.0261% | 3,884 |
| Net operating income to assets | 0.7040% | 3,920 |
| Return on assets (ROA) | 0.7298% | 3,891 |
| Pretax return on assets | 0.9492% | 3,794 |
| Return on Equity (ROE) | 6.1114% | 4,175 |
| Retained earnings to average equity (ytd only) | 3.2870% | 4,283 |
| Net charge-offs to loans | 0.0788% | 3,076 |
| Credit loss provision to net charge-offs | 50.0000% | 3,096 |
| Earnings coverage of net charge-offs (x) | 18.0530% | 1,866 |
| Efficiency ratio | 76.0273% | 2,488 |
| Assets per employee ($millions) | 3.3548% | 5,130 |
| Cash dividends to net income (ytd only)* | 46.2154% | 2,033 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0294% | 5,081 |
| Loan loss allowance to noncurrent loans | 506.3652% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 5,636 |
| Noncurrent loans to loans | 0.2033% | 5,290 |
| Net loans and leases to total assets | 66.6430% | 2,748 |
| Net loans and leases to deposits | 77.6605% | 2,988 |
| Net loans and leases to core deposits | 79.8957% | 3,322 |
| Total domestic deposits to total assets | 85.8132% | 2,950 |
| Equity capital to assets | 12.0565% | 2,010 |
| Core capital (leverage) ratio | 10.2173% | 3,391 |
| Tier 1 risk-based capital ratio | 15.7371% | 3,190 |
| Total risk-based capital ratio | 16.8232% | 3,212 |
| Memoranda: |
| Average total assets | $434,454,500 | 1,541 |
| Average earning assets | $394,152,250 | 1,557 |
| Average equity | $51,879,750 | 1,415 |
| Average total loans | $287,644,500 | 1,495 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9278% | 4,025 |
| Cost of funding earning assets | 0.5171% | 2,662 |
| Net interest margin | 3.4107% | 4,135 |
| Noninterest income to average assets | 1.0150% | 1,160 |
| Noninterest expense to average assets | 3.1330% | 2,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7499% | 3,571 |
| Return on assets (ROA) | 0.7499% | 3,676 |
| Pretax return on assets | 0.9772% | 3,575 |
| Return on Equity (ROE) | 6.3006% | 3,992 |
| Retained earnings to average equity (ytd only) | 3.3536% | 4,066 |
| Net charge-offs to loans | 0.0476% | 3,298 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 31.1765% | 1,222 |
| Efficiency ratio | 75.0140% | 2,804 |
| Assets per employee ($millions) | 3.2888% | 5,272 |
| Cash dividends to net income (ytd only)* | 46.7732% | 2,066 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0541% | 5,097 |
| Loan loss allowance to noncurrent loans | 535.2113% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 5,743 |
| Noncurrent loans to loans | 0.1970% | 5,428 |
| Net loans and leases to total assets | 65.2365% | 2,875 |
| Net loans and leases to deposits | 75.8981% | 3,071 |
| Net loans and leases to core deposits | 77.9643% | 3,444 |
| Total domestic deposits to total assets | 85.9528% | 3,062 |
| Equity capital to assets | 11.9474% | 2,022 |
| Core capital (leverage) ratio | 10.0960% | 3,477 |
| Tier 1 risk-based capital ratio | 15.7025% | 3,245 |
| Total risk-based capital ratio | 16.8062% | 3,281 |
| Memoranda: |
| Average total assets | $433,896,000 | 1,542 |
| Average earning assets | $393,755,670 | 1,558 |
| Average equity | $51,645,670 | 1,408 |
| Average total loans | $285,635,000 | 1,496 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9487% | 3,898 |
| Cost of funding earning assets | 0.5325% | 2,576 |
| Net interest margin | 3.4162% | 4,047 |
| Noninterest income to average assets | 0.9404% | 1,278 |
| Noninterest expense to average assets | 3.0462% | 2,707 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7627% | 3,343 |
| Return on assets (ROA) | 0.7627% | 3,429 |
| Pretax return on assets | 0.9941% | 3,345 |
| Return on Equity (ROE) | 6.4201% | 3,795 |
| Retained earnings to average equity (ytd only) | 3.0153% | 4,304 |
| Net charge-offs to loans | 0.0267% | 3,035 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 56.5263% | 687 |
| Efficiency ratio | 74.1810% | 3,105 |
| Assets per employee ($millions) | 3.2731% | 5,398 |
| Cash dividends to net income (ytd only)* | 53.0340% | 1,599 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0784% | 5,215 |
| Loan loss allowance to noncurrent loans | 646.2343% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 5,861 |
| Noncurrent loans to loans | 0.1669% | 5,583 |
| Net loans and leases to total assets | 64.6056% | 2,791 |
| Net loans and leases to deposits | 75.0020% | 2,943 |
| Net loans and leases to core deposits | 77.1232% | 3,293 |
| Total domestic deposits to total assets | 86.1386% | 3,285 |
| Equity capital to assets | 11.7889% | 2,018 |
| Core capital (leverage) ratio | 10.1392% | 3,369 |
| Tier 1 risk-based capital ratio | 15.4843% | 3,442 |
| Total risk-based capital ratio | 16.6034% | 3,472 |
| Memoranda: |
| Average total assets | $432,139,000 | 1,556 |
| Average earning assets | $392,131,000 | 1,574 |
| Average equity | $51,339,000 | 1,411 |
| Average total loans | $284,257,000 | 1,509 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2061% | 3,329 |
| Cost of funding earning assets | 0.6479% | 2,216 |
| Net interest margin | 3.5582% | 3,643 |
| Noninterest income to average assets | 1.0490% | 1,278 |
| Noninterest expense to average assets | 3.4420% | 1,785 |
| Loan and lease loss provision to assets | 0.0833% | 3,452 |
| Net operating income to assets | 0.5919% | 4,303 |
| Return on assets (ROA) | 0.6631% | 4,065 |
| Pretax return on assets | 0.8374% | 4,008 |
| Return on Equity (ROE) | 5.4899% | 4,398 |
| Retained earnings to average equity (ytd only) | 3.9352% | 3,408 |
| Net charge-offs to loans | 0.1556% | 3,249 |
| Credit loss provision to net charge-offs | 81.5851% | 3,001 |
| Earnings coverage of net charge-offs (x) | 8.1329% | 2,725 |
| Efficiency ratio | 79.2312% | 2,279 |
| Assets per employee ($millions) | 2.9768% | 5,862 |
| Cash dividends to net income (ytd only)* | 28.3202% | 3,356 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1019% | 5,139 |
| Loan loss allowance to noncurrent loans | 379.9511% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 5,661 |
| Noncurrent loans to loans | 0.2900% | 5,320 |
| Net loans and leases to total assets | 65.5323% | 2,768 |
| Net loans and leases to deposits | 76.2993% | 2,932 |
| Net loans and leases to core deposits | 78.3993% | 3,310 |
| Total domestic deposits to total assets | 85.8885% | 3,320 |
| Equity capital to assets | 11.9743% | 1,825 |
| Core capital (leverage) ratio | 10.1124% | 3,411 |
| Tier 1 risk-based capital ratio | 15.7560% | 3,221 |
| Total risk-based capital ratio | 16.9147% | 3,227 |
| Memoranda: |
| Average total assets | $420,129,200 | 1,572 |
| Average earning assets | $380,618,000 | 1,593 |
| Average equity | $50,747,400 | 1,398 |
| Average total loans | $275,659,800 | 1,529 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2215% | 3,310 |
| Cost of funding earning assets | 0.6687% | 2,187 |
| Net interest margin | 3.5528% | 3,641 |
| Noninterest income to average assets | 1.0527% | 1,318 |
| Noninterest expense to average assets | 3.3430% | 1,969 |
| Loan and lease loss provision to assets | 0.0955% | 3,167 |
| Net operating income to assets | 0.6452% | 4,150 |
| Return on assets (ROA) | 0.7393% | 3,780 |
| Pretax return on assets | 0.9524% | 3,680 |
| Return on Equity (ROE) | 6.1074% | 4,130 |
| Retained earnings to average equity (ytd only) | 4.2321% | 3,667 |
| Net charge-offs to loans | 0.1031% | 3,505 |
| Credit loss provision to net charge-offs | 141.5094% | 1,658 |
| Earnings coverage of net charge-offs (x) | 13.7358% | 2,002 |
| Efficiency ratio | 76.9294% | 2,571 |
| Assets per employee ($millions) | 2.9708% | 5,897 |
| Cash dividends to net income (ytd only)* | 30.7062% | 2,666 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1611% | 5,066 |
| Loan loss allowance to noncurrent loans | 420.9512% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 5,881 |
| Noncurrent loans to loans | 0.2758% | 5,544 |
| Net loans and leases to total assets | 65.6260% | 2,700 |
| Net loans and leases to deposits | 76.3555% | 2,905 |
| Net loans and leases to core deposits | 78.2138% | 3,332 |
| Total domestic deposits to total assets | 85.9480% | 3,289 |
| Equity capital to assets | 11.8626% | 2,004 |
| Core capital (leverage) ratio | 10.0919% | 3,536 |
| Tier 1 risk-based capital ratio | 15.4631% | 3,488 |
| Total risk-based capital ratio | 16.6761% | 3,462 |
| Memoranda: |
| Average total assets | $418,741,500 | 1,585 |
| Average earning assets | $379,223,500 | 1,601 |
| Average equity | $50,691,250 | 1,407 |
| Average total loans | $274,058,250 | 1,542 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2345% | 3,220 |
| Cost of funding earning assets | 0.6837% | 2,193 |
| Net interest margin | 3.5508% | 3,560 |
| Noninterest income to average assets | 1.0559% | 1,369 |
| Noninterest expense to average assets | 3.2459% | 2,229 |
| Loan and lease loss provision to assets | 0.1080% | 2,991 |
| Net operating income to assets | 0.7111% | 3,749 |
| Return on assets (ROA) | 0.7602% | 3,664 |
| Pretax return on assets | 0.9815% | 3,597 |
| Return on Equity (ROE) | 6.2374% | 4,030 |
| Retained earnings to average equity (ytd only) | 3.6897% | 3,959 |
| Net charge-offs to loans | 0.0899% | 3,471 |
| Credit loss provision to net charge-offs | 184.4262% | 1,296 |
| Earnings coverage of net charge-offs (x) | 17.5164% | 1,602 |
| Efficiency ratio | 74.6180% | 3,007 |
| Assets per employee ($millions) | 2.9039% | 6,016 |
| Cash dividends to net income (ytd only)* | 40.8460% | 2,215 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1880% | 5,052 |
| Loan loss allowance to noncurrent loans | 218.3145% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 5,358 |
| Noncurrent loans to loans | 0.5442% | 4,896 |
| Net loans and leases to total assets | 65.8988% | 2,616 |
| Net loans and leases to deposits | 77.0199% | 2,722 |
| Net loans and leases to core deposits | 78.5555% | 3,218 |
| Total domestic deposits to total assets | 85.5607% | 3,607 |
| Equity capital to assets | 12.1619% | 1,801 |
| Core capital (leverage) ratio | 10.0367% | 3,461 |
| Tier 1 risk-based capital ratio | 15.2152% | 3,641 |
| Total risk-based capital ratio | 16.4377% | 3,621 |
| Memoranda: |
| Average total assets | $416,715,000 | 1,597 |
| Average earning assets | $377,378,330 | 1,608 |
| Average equity | $50,790,000 | 1,408 |
| Average total loans | $271,388,330 | 1,552 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2540% | 3,081 |
| Cost of funding earning assets | 0.6958% | 2,257 |
| Net interest margin | 3.5582% | 3,441 |
| Noninterest income to average assets | 0.9860% | 1,501 |
| Noninterest expense to average assets | 3.0759% | 2,747 |
| Loan and lease loss provision to assets | 0.2156% | 1,721 |
| Net operating income to assets | 0.7148% | 3,622 |
| Return on assets (ROA) | 0.7455% | 3,593 |
| Pretax return on assets | 0.9582% | 3,538 |
| Return on Equity (ROE) | 6.1099% | 3,982 |
| Retained earnings to average equity (ytd only) | 3.5654% | 4,100 |
| Net charge-offs to loans | 0.0953% | 2,896 |
| Credit loss provision to net charge-offs | 351.5625% | 703 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,262 |
| Efficiency ratio | 71.7342% | 3,666 |
| Assets per employee ($millions) | 2.9597% | 6,058 |
| Cash dividends to net income (ytd only)* | 41.6452% | 1,799 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2439% | 4,981 |
| Loan loss allowance to noncurrent loans | 216.1394% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 5,276 |
| Noncurrent loans to loans | 0.5755% | 5,007 |
| Net loans and leases to total assets | 63.6952% | 2,772 |
| Net loans and leases to deposits | 74.5230% | 2,849 |
| Net loans and leases to core deposits | 76.3362% | 3,270 |
| Total domestic deposits to total assets | 85.4705% | 3,812 |
| Equity capital to assets | 12.2208% | 1,895 |
| Core capital (leverage) ratio | 9.9323% | 3,490 |
| Tier 1 risk-based capital ratio | 15.4256% | 3,574 |
| Total risk-based capital ratio | 16.6895% | 3,527 |
| Memoranda: |
| Average total assets | $417,445,000 | 1,607 |
| Average earning assets | $378,277,500 | 1,616 |
| Average equity | $50,933,500 | 1,426 |
| Average total loans | $268,613,500 | 1,573 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5232% | 3,307 |
| Cost of funding earning assets | 0.7951% | 2,703 |
| Net interest margin | 3.7281% | 3,531 |
| Noninterest income to average assets | 1.0611% | 1,378 |
| Noninterest expense to average assets | 3.2954% | 2,353 |
| Loan and lease loss provision to assets | 0.2142% | 3,001 |
| Net operating income to assets | 0.7124% | 3,686 |
| Return on assets (ROA) | 0.8261% | 3,414 |
| Pretax return on assets | 1.0807% | 3,228 |
| Return on Equity (ROE) | 6.7255% | 3,798 |
| Retained earnings to average equity (ytd only) | 3.3847% | 3,845 |
| Net charge-offs to loans | 0.4199% | 2,561 |
| Credit loss provision to net charge-offs | 81.0185% | 3,793 |
| Earnings coverage of net charge-offs (x) | 4.3315% | 3,408 |
| Efficiency ratio | 72.8857% | 3,261 |
| Assets per employee ($millions) | 3.0041% | 6,007 |
| Cash dividends to net income (ytd only)* | 49.6740% | 2,330 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1889% | 5,165 |
| Loan loss allowance to noncurrent loans | 169.6115% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.5225% | 5,173 |
| Noncurrent loans to loans | 0.7009% | 4,785 |
| Net loans and leases to total assets | 63.4335% | 2,988 |
| Net loans and leases to deposits | 74.2650% | 3,051 |
| Net loans and leases to core deposits | 76.1711% | 3,511 |
| Total domestic deposits to total assets | 85.4151% | 3,655 |
| Equity capital to assets | 12.1817% | 1,925 |
| Core capital (leverage) ratio | 9.9703% | 3,441 |
| Tier 1 risk-based capital ratio | 15.2593% | 3,573 |
| Total risk-based capital ratio | 16.4933% | 3,529 |
| Memoranda: |
| Average total assets | $408,446,600 | 1,605 |
| Average earning assets | $370,266,000 | 1,613 |
| Average equity | $50,167,000 | 1,415 |
| Average total loans | $257,222,200 | 1,609 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5638% | 3,367 |
| Cost of funding earning assets | 0.8150% | 2,819 |
| Net interest margin | 3.7487% | 3,562 |
| Noninterest income to average assets | 1.0839% | 1,281 |
| Noninterest expense to average assets | 3.2899% | 2,299 |
| Loan and lease loss provision to assets | 0.1559% | 3,574 |
| Net operating income to assets | 0.7828% | 3,539 |
| Return on assets (ROA) | 0.9333% | 3,047 |
| Pretax return on assets | 1.2389% | 2,827 |
| Return on Equity (ROE) | 7.5824% | 3,491 |
| Retained earnings to average equity (ytd only) | 4.0565% | 4,036 |
| Net charge-offs to loans | 0.3327% | 2,797 |
| Credit loss provision to net charge-offs | 74.8031% | 3,778 |
| Earnings coverage of net charge-offs (x) | 5.7291% | 2,944 |
| Efficiency ratio | 72.0571% | 3,318 |
| Assets per employee ($millions) | 2.9614% | 6,110 |
| Cash dividends to net income (ytd only)* | 46.5001% | 1,855 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2238% | 5,173 |
| Loan loss allowance to noncurrent loans | 165.4043% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 4,852 |
| Noncurrent loans to loans | 0.7399% | 4,939 |
| Net loans and leases to total assets | 63.3732% | 3,139 |
| Net loans and leases to deposits | 74.5567% | 3,210 |
| Net loans and leases to core deposits | 76.0777% | 3,716 |
| Total domestic deposits to total assets | 85.0000% | 3,740 |
| Equity capital to assets | 12.3519% | 1,995 |
| Core capital (leverage) ratio | 9.9340% | 3,641 |
| Tier 1 risk-based capital ratio | 15.4327% | 3,579 |
| Total risk-based capital ratio | 16.7069% | 3,519 |
| Memoranda: |
| Average total assets | $406,166,250 | 1,621 |
| Average earning assets | $368,399,250 | 1,638 |
| Average equity | $49,992,000 | 1,430 |
| Average total loans | $254,511,500 | 1,642 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6029% | 3,345 |
| Cost of funding earning assets | 0.8350% | 2,908 |
| Net interest margin | 3.7680% | 3,503 |
| Noninterest income to average assets | 1.0837% | 1,219 |
| Noninterest expense to average assets | 3.2621% | 2,408 |
| Loan and lease loss provision to assets | 0.1484% | 3,660 |
| Net operating income to assets | 0.8257% | 3,274 |
| Return on assets (ROA) | 0.9076% | 3,145 |
| Pretax return on assets | 1.1985% | 2,931 |
| Return on Equity (ROE) | 7.3831% | 3,573 |
| Retained earnings to average equity (ytd only) | 3.9390% | 3,997 |
| Net charge-offs to loans | 0.4273% | 2,330 |
| Credit loss provision to net charge-offs | 55.8659% | 3,906 |
| Earnings coverage of net charge-offs (x) | 4.6648% | 3,023 |
| Efficiency ratio | 71.1758% | 3,572 |
| Assets per employee ($millions) | 2.9012% | 6,234 |
| Cash dividends to net income (ytd only)* | 46.6485% | 1,880 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2387% | 5,165 |
| Loan loss allowance to noncurrent loans | 200.7638% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.6680% | 5,107 |
| Noncurrent loans to loans | 0.6170% | 5,280 |
| Net loans and leases to total assets | 62.3578% | 3,361 |
| Net loans and leases to deposits | 73.4456% | 3,390 |
| Net loans and leases to core deposits | 74.9740% | 3,887 |
| Total domestic deposits to total assets | 84.9035% | 3,898 |
| Equity capital to assets | 12.4723% | 1,837 |
| Core capital (leverage) ratio | 9.8977% | 3,578 |
| Tier 1 risk-based capital ratio | 15.8308% | 3,261 |
| Total risk-based capital ratio | 17.1000% | 3,214 |
| Memoranda: |
| Average total assets | $404,345,670 | 1,633 |
| Average earning assets | $366,723,330 | 1,649 |
| Average equity | $49,708,000 | 1,432 |
| Average total loans | $251,317,330 | 1,654 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6665% | 3,186 |
| Cost of funding earning assets | 0.8558% | 3,020 |
| Net interest margin | 3.8107% | 3,346 |
| Noninterest income to average assets | 0.9593% | 1,538 |
| Noninterest expense to average assets | 3.1920% | 2,628 |
| Loan and lease loss provision to assets | 0.2470% | 2,490 |
| Net operating income to assets | 0.7413% | 3,669 |
| Return on assets (ROA) | 0.9050% | 3,117 |
| Pretax return on assets | 1.1934% | 2,935 |
| Return on Equity (ROE) | 7.4150% | 3,553 |
| Retained earnings to average equity (ytd only) | 3.8451% | 4,282 |
| Net charge-offs to loans | 0.0256% | 4,325 |
| Credit loss provision to net charge-offs | 1,562.5000% | 212 |
| Earnings coverage of net charge-offs (x) | 77.5000% | 434 |
| Efficiency ratio | 70.9685% | 3,626 |
| Assets per employee ($millions) | 2.8310% | 6,461 |
| Cash dividends to net income (ytd only)* | 48.1441% | 1,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4662% | 4,310 |
| Loan loss allowance to noncurrent loans | 121.3521% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.8682% | 4,784 |
| Noncurrent loans to loans | 1.2082% | 4,312 |
| Net loans and leases to total assets | 60.1923% | 3,626 |
| Net loans and leases to deposits | 70.6034% | 3,640 |
| Net loans and leases to core deposits | 72.3831% | 4,089 |
| Total domestic deposits to total assets | 85.2541% | 3,906 |
| Equity capital to assets | 12.2291% | 1,894 |
| Core capital (leverage) ratio | 9.6498% | 3,846 |
| Tier 1 risk-based capital ratio | 15.9196% | 3,214 |
| Total risk-based capital ratio | 17.1867% | 3,175 |
| Memoranda: |
| Average total assets | $404,883,000 | 1,637 |
| Average earning assets | $367,386,000 | 1,645 |
| Average equity | $49,413,500 | 1,431 |
| Average total loans | $249,663,500 | 1,663 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9042% | 3,331 |
| Cost of funding earning assets | 0.9372% | 3,817 |
| Net interest margin | 3.9670% | 3,032 |
| Noninterest income to average assets | 1.0639% | 1,185 |
| Noninterest expense to average assets | 3.4131% | 2,207 |
| Loan and lease loss provision to assets | 0.2336% | 3,869 |
| Net operating income to assets | 0.7719% | 3,168 |
| Return on assets (ROA) | 0.8191% | 3,123 |
| Pretax return on assets | 1.0566% | 3,012 |
| Return on Equity (ROE) | 7.4637% | 3,167 |
| Retained earnings to average equity (ytd only) | 3.2078% | 3,938 |
| Net charge-offs to loans | 0.3093% | 3,852 |
| Credit loss provision to net charge-offs | 116.7315% | 2,768 |
| Earnings coverage of net charge-offs (x) | 6.1440% | 2,581 |
| Efficiency ratio | 72.1371% | 3,547 |
| Assets per employee ($millions) | 2.8516% | 6,376 |
| Cash dividends to net income (ytd only)* | 57.0206% | 1,701 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3459% | 4,684 |
| Loan loss allowance to noncurrent loans | 106.1327% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.8965% | 4,819 |
| Noncurrent loans to loans | 1.2682% | 4,254 |
| Net loans and leases to total assets | 61.4004% | 3,712 |
| Net loans and leases to deposits | 72.0088% | 3,791 |
| Net loans and leases to core deposits | 73.7359% | 4,280 |
| Total domestic deposits to total assets | 85.2680% | 3,711 |
| Equity capital to assets | 12.1797% | 1,986 |
| Core capital (leverage) ratio | 9.6376% | 3,817 |
| Tier 1 risk-based capital ratio | 15.4634% | 3,354 |
| Total risk-based capital ratio | 16.7291% | 3,297 |
| Memoranda: |
| Average total assets | $385,194,400 | 1,680 |
| Average earning assets | $347,515,400 | 1,712 |
| Average equity | $42,271,400 | 1,592 |
| Average total loans | $249,273,800 | 1,679 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9282% | 3,434 |
| Cost of funding earning assets | 0.9522% | 4,027 |
| Net interest margin | 3.9760% | 3,021 |
| Noninterest income to average assets | 1.0876% | 1,131 |
| Noninterest expense to average assets | 3.3597% | 2,313 |
| Loan and lease loss provision to assets | 0.2367% | 3,642 |
| Net operating income to assets | 0.8124% | 3,092 |
| Return on assets (ROA) | 0.8745% | 2,990 |
| Pretax return on assets | 1.1543% | 2,809 |
| Return on Equity (ROE) | 8.2086% | 2,959 |
| Retained earnings to average equity (ytd only) | 3.6237% | 4,172 |
| Net charge-offs to loans | 0.2735% | 3,725 |
| Credit loss provision to net charge-offs | 132.3529% | 2,406 |
| Earnings coverage of net charge-offs (x) | 7.3216% | 2,378 |
| Efficiency ratio | 70.5767% | 3,840 |
| Assets per employee ($millions) | 2.8146% | 6,462 |
| Cash dividends to net income (ytd only)* | 55.8541% | 1,363 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3519% | 4,765 |
| Loan loss allowance to noncurrent loans | 113.1727% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.7948% | 5,180 |
| Noncurrent loans to loans | 1.1946% | 4,543 |
| Net loans and leases to total assets | 62.1468% | 3,688 |
| Net loans and leases to deposits | 72.8059% | 3,832 |
| Net loans and leases to core deposits | 74.4630% | 4,387 |
| Total domestic deposits to total assets | 85.3595% | 3,581 |
| Equity capital to assets | 12.2220% | 2,073 |
| Core capital (leverage) ratio | 9.9065% | 3,560 |
| Tier 1 risk-based capital ratio | 15.2156% | 3,542 |
| Total risk-based capital ratio | 16.4833% | 3,493 |
| Memoranda: |
| Average total assets | $380,261,250 | 1,712 |
| Average earning assets | $342,512,500 | 1,741 |
| Average equity | $40,509,500 | 1,661 |
| Average total loans | $248,587,500 | 1,698 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9710% | 3,307 |
| Cost of funding earning assets | 0.9737% | 4,135 |
| Net interest margin | 3.9973% | 2,849 |
| Noninterest income to average assets | 1.0771% | 1,122 |
| Noninterest expense to average assets | 3.3729% | 2,335 |
| Loan and lease loss provision to assets | 0.2414% | 3,493 |
| Net operating income to assets | 0.7999% | 3,077 |
| Return on assets (ROA) | 0.8937% | 2,774 |
| Pretax return on assets | 1.1839% | 2,545 |
| Return on Equity (ROE) | 8.8582% | 2,573 |
| Retained earnings to average equity (ytd only) | 4.4238% | 3,378 |
| Net charge-offs to loans | 0.1166% | 4,533 |
| Credit loss provision to net charge-offs | 312.5000% | 971 |
| Earnings coverage of net charge-offs (x) | 16.8333% | 1,320 |
| Efficiency ratio | 70.7645% | 3,969 |
| Assets per employee ($millions) | 2.6705% | 6,678 |
| Cash dividends to net income (ytd only)* | 50.0600% | 1,691 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4088% | 4,529 |
| Loan loss allowance to noncurrent loans | 79.0651% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.2275% | 4,441 |
| Noncurrent loans to loans | 1.7819% | 3,777 |
| Net loans and leases to total assets | 66.3313% | 2,961 |
| Net loans and leases to deposits | 75.0663% | 3,639 |
| Net loans and leases to core deposits | 76.6643% | 4,232 |
| Total domestic deposits to total assets | 88.3636% | 1,935 |
| Equity capital to assets | 10.2025% | 3,877 |
| Core capital (leverage) ratio | 7.3891% | 6,817 |
| Tier 1 risk-based capital ratio | 11.0136% | 6,521 |
| Total risk-based capital ratio | 12.2730% | 6,498 |
| Memoranda: |
| Average total assets | $372,850,330 | 1,757 |
| Average earning assets | $335,425,670 | 1,783 |
| Average equity | $37,615,000 | 1,784 |
| Average total loans | $246,928,330 | 1,727 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9540% | 3,311 |
| Cost of funding earning assets | 0.9779% | 4,371 |
| Net interest margin | 3.9761% | 2,789 |
| Noninterest income to average assets | 1.0242% | 1,257 |
| Noninterest expense to average assets | 3.3239% | 2,484 |
| Loan and lease loss provision to assets | 0.2426% | 3,245 |
| Net operating income to assets | 0.7816% | 3,116 |
| Return on assets (ROA) | 0.9725% | 2,337 |
| Pretax return on assets | 1.2862% | 2,078 |
| Return on Equity (ROE) | 9.6951% | 2,209 |
| Retained earnings to average equity (ytd only) | 5.1163% | 3,108 |
| Net charge-offs to loans | 0.1231% | 3,790 |
| Credit loss provision to net charge-offs | 300.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 15.8000% | 1,298 |
| Efficiency ratio | 70.8060% | 4,100 |
| Assets per employee ($millions) | 2.6558% | 6,765 |
| Cash dividends to net income (ytd only)* | 47.2284% | 1,561 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3958% | 4,687 |
| Loan loss allowance to noncurrent loans | 61.0555% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.5320% | 3,947 |
| Noncurrent loans to loans | 2.2861% | 3,212 |
| Net loans and leases to total assets | 64.8465% | 3,276 |
| Net loans and leases to deposits | 73.2051% | 3,891 |
| Net loans and leases to core deposits | 74.7850% | 4,452 |
| Total domestic deposits to total assets | 88.5820% | 2,026 |
| Equity capital to assets | 10.0547% | 3,704 |
| Core capital (leverage) ratio | 7.3215% | 6,842 |
| Tier 1 risk-based capital ratio | 11.2187% | 6,336 |
| Total risk-based capital ratio | 12.4732% | 6,298 |
| Memoranda: |
| Average total assets | $371,008,500 | 1,780 |
| Average earning assets | $333,790,500 | 1,795 |
| Average equity | $37,214,500 | 1,791 |
| Average total loans | $243,728,000 | 1,766 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0873% | 4,151 |
| Cost of funding earning assets | 1.1172% | 5,039 |
| Net interest margin | 3.9701% | 3,150 |
| Noninterest income to average assets | 1.1176% | 1,180 |
| Noninterest expense to average assets | 3.4026% | 2,433 |
| Loan and lease loss provision to assets | 0.2586% | 4,724 |
| Net operating income to assets | 0.7771% | 2,889 |
| Return on assets (ROA) | 0.8277% | 2,822 |
| Pretax return on assets | 1.0813% | 2,654 |
| Return on Equity (ROE) | 8.2207% | 2,614 |
| Retained earnings to average equity (ytd only) | 3.5762% | 3,351 |
| Net charge-offs to loans | 0.2853% | 4,593 |
| Credit loss provision to net charge-offs | 141.1411% | 2,669 |
| Earnings coverage of net charge-offs (x) | 6.9550% | 2,235 |
| Efficiency ratio | 71.2093% | 3,950 |
| Assets per employee ($millions) | 2.6827% | 6,714 |
| Cash dividends to net income (ytd only)* | 56.4972% | 1,777 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3431% | 4,794 |
| Loan loss allowance to noncurrent loans | 53.6589% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 1.6742% | 3,788 |
| Noncurrent loans to loans | 2.5031% | 3,024 |
| Net loans and leases to total assets | 64.7406% | 3,724 |
| Net loans and leases to deposits | 73.0648% | 4,348 |
| Net loans and leases to core deposits | 74.7574% | 4,882 |
| Total domestic deposits to total assets | 88.6070% | 1,886 |
| Equity capital to assets | 10.0065% | 3,738 |
| Core capital (leverage) ratio | 7.1863% | 6,918 |
| Tier 1 risk-based capital ratio | 11.0386% | 6,298 |
| Total risk-based capital ratio | 12.2912% | 6,268 |
| Memoranda: |
| Average total assets | $363,540,800 | 1,803 |
| Average earning assets | $325,908,600 | 1,832 |
| Average equity | $36,602,800 | 1,810 |
| Average total loans | $233,478,800 | 1,871 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1184% | 4,225 |
| Cost of funding earning assets | 1.1437% | 5,185 |
| Net interest margin | 3.9747% | 3,212 |
| Noninterest income to average assets | 1.0910% | 1,199 |
| Noninterest expense to average assets | 3.4018% | 2,285 |
| Loan and lease loss provision to assets | 0.2690% | 4,432 |
| Net operating income to assets | 0.7492% | 3,215 |
| Return on assets (ROA) | 0.8161% | 3,078 |
| Pretax return on assets | 1.0677% | 2,940 |
| Return on Equity (ROE) | 8.0928% | 2,861 |
| Retained earnings to average equity (ytd only) | 3.1604% | 4,218 |
| Net charge-offs to loans | 0.1771% | 4,896 |
| Credit loss provision to net charge-offs | 237.7850% | 1,418 |
| Earnings coverage of net charge-offs (x) | 11.0392% | 1,823 |
| Efficiency ratio | 71.5972% | 3,779 |
| Assets per employee ($millions) | 2.6556% | 6,841 |
| Cash dividends to net income (ytd only)* | 60.9482% | 1,219 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4306% | 4,307 |
| Loan loss allowance to noncurrent loans | 65.4769% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.4185% | 4,325 |
| Noncurrent loans to loans | 2.1849% | 3,467 |
| Net loans and leases to total assets | 63.6886% | 4,185 |
| Net loans and leases to deposits | 72.0087% | 4,841 |
| Net loans and leases to core deposits | 73.7712% | 5,323 |
| Total domestic deposits to total assets | 88.4457% | 1,700 |
| Equity capital to assets | 10.1402% | 3,963 |
| Core capital (leverage) ratio | 7.1315% | 7,096 |
| Tier 1 risk-based capital ratio | 11.0108% | 6,376 |
| Total risk-based capital ratio | 12.2671% | 6,345 |
| Memoranda: |
| Average total assets | $361,873,500 | 1,831 |
| Average earning assets | $324,077,750 | 1,861 |
| Average equity | $36,492,250 | 1,835 |
| Average total loans | $231,113,750 | 1,912 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1750% | 4,068 |
| Cost of funding earning assets | 1.1719% | 5,278 |
| Net interest margin | 4.0031% | 3,004 |
| Noninterest income to average assets | 1.0855% | 1,134 |
| Noninterest expense to average assets | 3.3846% | 2,303 |
| Loan and lease loss provision to assets | 0.2893% | 4,074 |
| Net operating income to assets | 0.7552% | 3,172 |
| Return on assets (ROA) | 0.8563% | 2,849 |
| Pretax return on assets | 1.1273% | 2,683 |
| Return on Equity (ROE) | 8.5075% | 2,665 |
| Retained earnings to average equity (ytd only) | 3.5379% | 3,858 |
| Net charge-offs to loans | 0.1863% | 4,496 |
| Credit loss provision to net charge-offs | 244.1315% | 1,578 |
| Earnings coverage of net charge-offs (x) | 10.8310% | 1,835 |
| Efficiency ratio | 70.9654% | 3,990 |
| Assets per employee ($millions) | 2.6072% | 6,942 |
| Cash dividends to net income (ytd only)* | 58.4146% | 1,371 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4155% | 4,352 |
| Loan loss allowance to noncurrent loans | 76.8298% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.1907% | 4,759 |
| Noncurrent loans to loans | 1.8424% | 3,944 |
| Net loans and leases to total assets | 63.3412% | 4,385 |
| Net loans and leases to deposits | 71.5153% | 5,070 |
| Net loans and leases to core deposits | 73.3576% | 5,513 |
| Total domestic deposits to total assets | 88.5701% | 1,689 |
| Equity capital to assets | 10.1432% | 3,843 |
| Core capital (leverage) ratio | 7.1015% | 7,129 |
| Tier 1 risk-based capital ratio | 11.0464% | 6,194 |
| Total risk-based capital ratio | 12.3031% | 6,175 |
| Memoranda: |
| Average total assets | $359,456,000 | 1,859 |
| Average earning assets | $321,699,670 | 1,882 |
| Average equity | $36,179,670 | 1,847 |
| Average total loans | $228,650,670 | 1,949 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1599% | 4,242 |
| Cost of funding earning assets | 1.2187% | 5,292 |
| Net interest margin | 3.9412% | 3,147 |
| Noninterest income to average assets | 1.0224% | 1,228 |
| Noninterest expense to average assets | 3.2996% | 2,533 |
| Loan and lease loss provision to assets | 0.2346% | 4,164 |
| Net operating income to assets | 0.7618% | 3,147 |
| Return on assets (ROA) | 0.9252% | 2,515 |
| Pretax return on assets | 1.2291% | 2,268 |
| Return on Equity (ROE) | 9.2282% | 2,415 |
| Retained earnings to average equity (ytd only) | 4.2240% | 3,617 |
| Net charge-offs to loans | 0.1942% | 3,749 |
| Credit loss provision to net charge-offs | 190.9091% | 1,930 |
| Earnings coverage of net charge-offs (x) | 10.1364% | 1,777 |
| Efficiency ratio | 71.0177% | 4,115 |
| Assets per employee ($millions) | 2.5668% | 7,105 |
| Cash dividends to net income (ytd only)* | 54.2271% | 1,380 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3516% | 4,670 |
| Loan loss allowance to noncurrent loans | 100.6845% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.8777% | 5,405 |
| Noncurrent loans to loans | 1.3424% | 4,733 |
| Net loans and leases to total assets | 62.7383% | 4,605 |
| Net loans and leases to deposits | 70.6886% | 5,241 |
| Net loans and leases to core deposits | 72.6984% | 5,642 |
| Total domestic deposits to total assets | 88.7530% | 1,640 |
| Equity capital to assets | 10.0598% | 3,790 |
| Core capital (leverage) ratio | 7.0951% | 7,178 |
| Tier 1 risk-based capital ratio | 11.0514% | 6,112 |
| Total risk-based capital ratio | 12.3030% | 6,081 |
| Memoranda: |
| Average total assets | $357,983,500 | 1,913 |
| Average earning assets | $320,004,000 | 1,949 |
| Average equity | $35,890,000 | 1,875 |
| Average total loans | $226,553,500 | 2,020 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4812% | 4,247 |
| Cost of funding earning assets | 1.4809% | 5,593 |
| Net interest margin | 4.0004% | 2,863 |
| Noninterest income to average assets | 1.1492% | 1,167 |
| Noninterest expense to average assets | 3.4546% | 2,514 |
| Loan and lease loss provision to assets | 0.3415% | 4,752 |
| Net operating income to assets | 0.6902% | 2,972 |
| Return on assets (ROA) | 0.7899% | 2,661 |
| Pretax return on assets | 1.0498% | 2,412 |
| Return on Equity (ROE) | 7.8496% | 2,434 |
| Retained earnings to average equity (ytd only) | 2.7721% | 3,220 |
| Net charge-offs to loans | 0.2612% | 4,988 |
| Credit loss provision to net charge-offs | 216.6362% | 1,756 |
| Earnings coverage of net charge-offs (x) | 7.9835% | 2,024 |
| Efficiency ratio | 71.6050% | 4,328 |
| Assets per employee ($millions) | 2.5842% | 7,063 |
| Cash dividends to net income (ytd only)* | 64.6844% | 1,795 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3310% | 4,583 |
| Loan loss allowance to noncurrent loans | 89.1441% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.9671% | 5,171 |
| Noncurrent loans to loans | 1.4931% | 4,426 |
| Net loans and leases to total assets | 62.1336% | 4,964 |
| Net loans and leases to deposits | 69.9316% | 5,609 |
| Net loans and leases to core deposits | 80.0193% | 6,099 |
| Total domestic deposits to total assets | 88.8491% | 1,544 |
| Equity capital to assets | 9.9911% | 3,777 |
| Core capital (leverage) ratio | 6.9410% | 7,286 |
| Tier 1 risk-based capital ratio | 10.9716% | 5,937 |
| Total risk-based capital ratio | 12.2230% | 5,908 |
| Memoranda: |
| Average total assets | $347,015,200 | 1,967 |
| Average earning assets | $309,145,200 | 2,013 |
| Average equity | $34,919,000 | 1,925 |
| Average total loans | $209,415,800 | 2,205 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4963% | 4,436 |
| Cost of funding earning assets | 1.5282% | 5,721 |
| Net interest margin | 3.9681% | 2,949 |
| Noninterest income to average assets | 1.1348% | 1,222 |
| Noninterest expense to average assets | 3.4619% | 2,384 |
| Loan and lease loss provision to assets | 0.3250% | 4,384 |
| Net operating income to assets | 0.6657% | 3,331 |
| Return on assets (ROA) | 0.8013% | 2,876 |
| Pretax return on assets | 1.0605% | 2,706 |
| Return on Equity (ROE) | 7.9481% | 2,660 |
| Retained earnings to average equity (ytd only) | 2.8669% | 3,725 |
| Net charge-offs to loans | 0.2133% | 4,695 |
| Credit loss provision to net charge-offs | 255.3191% | 1,677 |
| Earnings coverage of net charge-offs (x) | 9.4832% | 2,103 |
| Efficiency ratio | 72.4064% | 4,174 |
| Assets per employee ($millions) | 2.5167% | 7,206 |
| Cash dividends to net income (ytd only)* | 63.9306% | 1,459 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3064% | 4,463 |
| Loan loss allowance to noncurrent loans | 91.5547% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.9224% | 5,226 |
| Noncurrent loans to loans | 1.4269% | 4,533 |
| Net loans and leases to total assets | 61.3674% | 5,351 |
| Net loans and leases to deposits | 69.2147% | 6,009 |
| Net loans and leases to core deposits | 78.9266% | 6,426 |
| Total domestic deposits to total assets | 88.6624% | 1,358 |
| Equity capital to assets | 10.1419% | 3,917 |
| Core capital (leverage) ratio | 6.7349% | 7,567 |
| Tier 1 risk-based capital ratio | 9.3142% | 7,487 |
| Total risk-based capital ratio | 10.4742% | 7,522 |
| Memoranda: |
| Average total assets | $344,614,750 | 1,994 |
| Average earning assets | $306,937,750 | 2,049 |
| Average equity | $34,741,250 | 1,954 |
| Average total loans | $205,627,750 | 2,270 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4309% | 4,990 |
| Cost of funding earning assets | 1.5708% | 5,836 |
| Net interest margin | 3.8601% | 3,289 |
| Noninterest income to average assets | 1.0946% | 1,325 |
| Noninterest expense to average assets | 3.4861% | 2,379 |
| Loan and lease loss provision to assets | 0.3450% | 3,860 |
| Net operating income to assets | 0.5295% | 3,985 |
| Return on assets (ROA) | 0.7344% | 3,222 |
| Pretax return on assets | 0.9671% | 3,121 |
| Return on Equity (ROE) | 7.3001% | 3,062 |
| Retained earnings to average equity (ytd only) | 2.2261% | 4,103 |
| Net charge-offs to loans | 0.2178% | 4,138 |
| Credit loss provision to net charge-offs | 269.4064% | 1,732 |
| Earnings coverage of net charge-offs (x) | 8.1416% | 2,308 |
| Efficiency ratio | 75.1323% | 3,855 |
| Assets per employee ($millions) | 2.4944% | 7,267 |
| Cash dividends to net income (ytd only)* | 69.5064% | 1,379 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2838% | 4,376 |
| Loan loss allowance to noncurrent loans | 143.1878% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 5,967 |
| Noncurrent loans to loans | 0.8966% | 5,421 |
| Net loans and leases to total assets | 60.3675% | 5,618 |
| Net loans and leases to deposits | 67.9746% | 6,191 |
| Net loans and leases to core deposits | 76.0122% | 6,672 |
| Total domestic deposits to total assets | 88.8089% | 1,369 |
| Equity capital to assets | 9.9950% | 3,944 |
| Core capital (leverage) ratio | 6.9102% | 7,593 |
| Tier 1 risk-based capital ratio | 11.0910% | 5,784 |
| Total risk-based capital ratio | 12.3418% | 5,704 |
| Memoranda: |
| Average total assets | $342,042,330 | 2,026 |
| Average earning assets | $304,295,670 | 2,087 |
| Average equity | $34,410,670 | 1,968 |
| Average total loans | $201,144,000 | 2,343 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4845% | 4,987 |
| Cost of funding earning assets | 1.5782% | 6,125 |
| Net interest margin | 3.9063% | 3,024 |
| Noninterest income to average assets | 1.0327% | 1,397 |
| Noninterest expense to average assets | 3.3641% | 2,457 |
| Loan and lease loss provision to assets | 0.2944% | 3,594 |
| Net operating income to assets | 0.6417% | 3,831 |
| Return on assets (ROA) | 0.6417% | 4,013 |
| Pretax return on assets | 0.8396% | 3,933 |
| Return on Equity (ROE) | 6.3578% | 3,879 |
| Retained earnings to average equity (ytd only) | 0.2450% | 5,561 |
| Net charge-offs to loans | 0.2330% | 3,243 |
| Credit loss provision to net charge-offs | 219.2982% | 2,062 |
| Earnings coverage of net charge-offs (x) | 8.4474% | 2,187 |
| Efficiency ratio | 72.9843% | 4,010 |
| Assets per employee ($millions) | 2.4795% | 7,322 |
| Cash dividends to net income (ytd only)* | 96.1468% | 813 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2757% | 4,234 |
| Loan loss allowance to noncurrent loans | 140.8267% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 5,863 |
| Noncurrent loans to loans | 0.9059% | 5,190 |
| Net loans and leases to total assets | 56.2487% | 6,203 |
| Net loans and leases to deposits | 63.3717% | 6,615 |
| Net loans and leases to core deposits | 69.7072% | 7,037 |
| Total domestic deposits to total assets | 88.7599% | 1,357 |
| Equity capital to assets | 10.1357% | 3,844 |
| Core capital (leverage) ratio | 7.0229% | 7,620 |
| Tier 1 risk-based capital ratio | 11.7115% | 5,197 |
| Total risk-based capital ratio | 12.9628% | 5,119 |
| Memoranda: |
| Average total assets | $339,702,000 | 2,046 |
| Average earning assets | $301,358,500 | 2,118 |
| Average equity | $34,288,500 | 1,985 |
| Average total loans | $195,701,000 | 2,415 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7205% | 6,709 |
| Cost of funding earning assets | 1.8381% | 6,905 |
| Net interest margin | 3.8824% | 3,648 |
| Noninterest income to average assets | 1.1323% | 1,217 |
| Noninterest expense to average assets | 3.2841% | 3,018 |
| Loan and lease loss provision to assets | 0.4499% | 3,041 |
| Net operating income to assets | 0.6452% | 4,126 |
| Return on assets (ROA) | 0.6707% | 3,865 |
| Pretax return on assets | 0.8899% | 3,755 |
| Return on Equity (ROE) | 6.7021% | 3,675 |
| Retained earnings to average equity (ytd only) | 0.9082% | 4,684 |
| Net charge-offs to loans | 0.4215% | 2,711 |
| Credit loss provision to net charge-offs | 191.8159% | 2,558 |
| Earnings coverage of net charge-offs (x) | 5.5678% | 3,603 |
| Efficiency ratio | 69.6922% | 4,403 |
| Assets per employee ($millions) | 2.4980% | 7,207 |
| Cash dividends to net income (ytd only)* | 86.4490% | 1,436 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1967% | 4,560 |
| Loan loss allowance to noncurrent loans | 101.7309% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.7090% | 5,101 |
| Noncurrent loans to loans | 1.1764% | 4,165 |
| Net loans and leases to total assets | 57.5558% | 6,261 |
| Net loans and leases to deposits | 66.2513% | 6,626 |
| Net loans and leases to core deposits | 72.0743% | 7,076 |
| Total domestic deposits to total assets | 86.8751% | 1,994 |
| Equity capital to assets | 10.0511% | 3,972 |
| Core capital (leverage) ratio | 6.9108% | 7,752 |
| Tier 1 risk-based capital ratio | 11.0113% | 5,717 |
| Total risk-based capital ratio | 12.1879% | 5,697 |
| Memoranda: |
| Average total assets | $333,399,000 | 2,003 |
| Average earning assets | $296,932,400 | 2,063 |
| Average equity | $33,362,800 | 2,026 |
| Average total loans | $185,530,400 | 2,447 |
