Home > Citywide Banks > Performance and Condition Ratios
Citywide Banks, Performance and Condition Ratios
| 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 | 4.3109% | 2,090 |
| Cost of funding earning assets | 0.1676% | 5,226 |
| Net interest margin | 4.1433% | 1,217 |
| Noninterest income to average assets | 0.3028% | 4,372 |
| Noninterest expense to average assets | 2.8167% | 2,691 |
| Loan and lease loss provision to assets | -0.0314% | 5,579 |
| Net operating income to assets | 0.9247% | 2,783 |
| Return on assets (ROA) | 0.9247% | 2,841 |
| Pretax return on assets | 1.3966% | 2,034 |
| Return on Equity (ROE) | 8.8732% | 2,564 |
| Retained earnings to average equity (ytd only) | 8.8732% | 878 |
| Net charge-offs to loans | 0.0016% | 3,463 |
| Credit loss provision to net charge-offs | -2,687.5000% | 4,992 |
| Earnings coverage of net charge-offs (x) | 1,168.1250% | 56 |
| Efficiency ratio | 67.2640% | 3,139 |
| Assets per employee ($millions) | 7.0127% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 1,814 |
| Loan loss allowance to noncurrent loans | 1,930.2789% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.7387% | 2,351 |
| Noncurrent loans to loans | 0.0741% | 4,834 |
| Net loans and leases to total assets | 72.4933% | 2,123 |
| Net loans and leases to deposits | 83.6118% | 2,531 |
| Net loans and leases to core deposits | 87.9134% | 2,709 |
| Total domestic deposits to total assets | 86.7022% | 2,085 |
| Equity capital to assets | 10.5727% | 3,258 |
| Core capital (leverage) ratio | 10.7133% | 2,687 |
| Tier 1 risk-based capital ratio | 12.6479% | 4,211 |
| Total risk-based capital ratio | 13.8981% | 4,126 |
| Memoranda: | ||
| Average total assets | $1,369,035,000 | 560 |
| Average earning assets | $1,281,722,000 | 553 |
| Average equity | $142,676,670 | 571 |
| Average total loans | $1,007,897,330 | 541 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3021% | 1,949 |
| Cost of funding earning assets | 0.1671% | 5,252 |
| Net interest margin | 4.1350% | 1,133 |
| Noninterest income to average assets | 0.4335% | 3,424 |
| Noninterest expense to average assets | 2.8210% | 2,717 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9797% | 2,393 |
| Return on assets (ROA) | 0.9797% | 2,442 |
| Pretax return on assets | 1.4831% | 1,591 |
| Return on Equity (ROE) | 9.4706% | 2,195 |
| Retained earnings to average equity (ytd only) | 9.4706% | 929 |
| Net charge-offs to loans | 0.0016% | 2,912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1,263.2500% | 31 |
| Efficiency ratio | 65.4528% | 3,580 |
| Assets per employee ($millions) | 6.6141% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 1,768 |
| Loan loss allowance to noncurrent loans | 1,188.8799% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.9559% | 1,921 |
| Noncurrent loans to loans | 0.1245% | 4,688 |
| Net loans and leases to total assets | 72.7764% | 1,948 |
| Net loans and leases to deposits | 83.7401% | 2,316 |
| Net loans and leases to core deposits | 87.9732% | 2,550 |
| Total domestic deposits to total assets | 86.9075% | 2,264 |
| Equity capital to assets | 10.5796% | 3,090 |
| Core capital (leverage) ratio | 10.5316% | 2,869 |
| Tier 1 risk-based capital ratio | 12.3546% | 4,476 |
| Total risk-based capital ratio | 13.6050% | 4,382 |
| Memoranda: | ||
| Average total assets | $1,362,798,000 | 568 |
| Average earning assets | $1,275,648,000 | 558 |
| Average equity | $140,983,500 | 575 |
| Average total loans | $1,003,828,000 | 542 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2421% | 2,340 |
| Cost of funding earning assets | 0.1757% | 5,246 |
| Net interest margin | 4.0665% | 1,454 |
| Noninterest income to average assets | 0.3436% | 4,275 |
| Noninterest expense to average assets | 3.0005% | 2,355 |
| Loan and lease loss provision to assets | -0.1337% | 5,727 |
| Net operating income to assets | 0.8378% | 3,122 |
| Return on assets (ROA) | 0.8419% | 3,214 |
| Pretax return on assets | 1.2764% | 2,373 |
| Return on Equity (ROE) | 8.4247% | 2,724 |
| Retained earnings to average equity (ytd only) | 8.4247% | 729 |
| Net charge-offs to loans | -0.0140% | 5,032 |
| Credit loss provision to net charge-offs | 1,323.5294% | 307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3965% | 2,526 |
| Assets per employee ($millions) | 7.5209% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 1,836 |
| Loan loss allowance to noncurrent loans | 1,076.4406% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.9384% | 2,022 |
| Noncurrent loans to loans | 0.1356% | 4,691 |
| Net loans and leases to total assets | 72.3806% | 2,116 |
| Net loans and leases to deposits | 82.7779% | 2,577 |
| Net loans and leases to core deposits | 86.5617% | 2,807 |
| Total domestic deposits to total assets | 87.4395% | 1,911 |
| Equity capital to assets | 10.1154% | 3,588 |
| Core capital (leverage) ratio | 10.2016% | 3,222 |
| Tier 1 risk-based capital ratio | 11.6743% | 4,940 |
| Total risk-based capital ratio | 12.9117% | 4,853 |
| Memoranda: | ||
| Average total assets | $1,346,040,400 | 549 |
| Average earning assets | $1,255,639,800 | 540 |
| Average equity | $134,508,800 | 590 |
| Average total loans | $971,801,600 | 523 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2156% | 2,459 |
| Cost of funding earning assets | 0.1780% | 5,282 |
| Net interest margin | 4.0376% | 1,559 |
| Noninterest income to average assets | 0.3191% | 4,490 |
| Noninterest expense to average assets | 3.0096% | 2,295 |
| Loan and lease loss provision to assets | -0.1793% | 5,857 |
| Net operating income to assets | 0.8285% | 3,243 |
| Return on assets (ROA) | 0.8341% | 3,348 |
| Pretax return on assets | 1.2594% | 2,577 |
| Return on Equity (ROE) | 8.3729% | 2,820 |
| Retained earnings to average equity (ytd only) | 8.3729% | 1,024 |
| Net charge-offs to loans | -0.0068% | 4,681 |
| Credit loss provision to net charge-offs | 3,673.4694% | 140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6039% | 2,358 |
| Assets per employee ($millions) | 7.2394% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 2,046 |
| Loan loss allowance to noncurrent loans | 383.5556% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 1.2509% | 1,569 |
| Noncurrent loans to loans | 0.3737% | 3,928 |
| Net loans and leases to total assets | 73.7321% | 1,913 |
| Net loans and leases to deposits | 84.3241% | 2,449 |
| Net loans and leases to core deposits | 88.2842% | 2,731 |
| Total domestic deposits to total assets | 87.4390% | 1,698 |
| Equity capital to assets | 10.1011% | 4,036 |
| Core capital (leverage) ratio | 10.1526% | 3,378 |
| Tier 1 risk-based capital ratio | 11.5086% | 5,081 |
| Total risk-based capital ratio | 12.7477% | 4,998 |
| Memoranda: | ||
| Average total assets | $1,338,469,500 | 551 |
| Average earning assets | $1,247,220,750 | 544 |
| Average equity | $133,331,000 | 601 |
| Average total loans | $962,014,500 | 525 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1768% | 2,579 |
| Cost of funding earning assets | 0.1795% | 5,326 |
| Net interest margin | 3.9973% | 1,653 |
| Noninterest income to average assets | 0.3452% | 4,309 |
| Noninterest expense to average assets | 3.0825% | 2,107 |
| Loan and lease loss provision to assets | -0.2710% | 5,970 |
| Net operating income to assets | 0.8269% | 3,185 |
| Return on assets (ROA) | 0.8352% | 3,287 |
| Pretax return on assets | 1.2710% | 2,519 |
| Return on Equity (ROE) | 8.4249% | 2,783 |
| Retained earnings to average equity (ytd only) | 8.4249% | 1,036 |
| Net charge-offs to loans | 0.0198% | 3,102 |
| Credit loss provision to net charge-offs | -1,935.4839% | 5,212 |
| Earnings coverage of net charge-offs (x) | 70.5269% | 771 |
| Efficiency ratio | 75.6020% | 2,129 |
| Assets per employee ($millions) | 6.9216% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4604% | 2,021 |
| Loan loss allowance to noncurrent loans | 419.1864% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 1.3080% | 1,541 |
| Noncurrent loans to loans | 0.3484% | 4,125 |
| Net loans and leases to total assets | 73.0090% | 2,014 |
| Net loans and leases to deposits | 87.6228% | 2,050 |
| Net loans and leases to core deposits | 91.5456% | 2,379 |
| Total domestic deposits to total assets | 83.3218% | 3,534 |
| Equity capital to assets | 10.0977% | 4,094 |
| Core capital (leverage) ratio | 10.0235% | 3,537 |
| Tier 1 risk-based capital ratio | 11.6651% | 5,048 |
| Total risk-based capital ratio | 12.9153% | 4,951 |
| Memoranda: | ||
| Average total assets | $1,328,543,000 | 557 |
| Average earning assets | $1,237,945,330 | 546 |
| Average equity | $131,705,330 | 612 |
| Average total loans | $941,516,000 | 534 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1262% | 2,744 |
| Cost of funding earning assets | 0.1747% | 5,422 |
| Net interest margin | 3.9516% | 1,781 |
| Noninterest income to average assets | 0.3221% | 4,426 |
| Noninterest expense to average assets | 3.0555% | 2,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6406% | 4,020 |
| Return on assets (ROA) | 0.6463% | 4,113 |
| Pretax return on assets | 0.9593% | 3,623 |
| Return on Equity (ROE) | 6.5812% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.5812% | 2,093 |
| Net charge-offs to loans | 0.0503% | 2,035 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 27.3130% | 1,246 |
| Efficiency ratio | 76.1239% | 2,159 |
| Assets per employee ($millions) | 6.8836% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7538% | 1,239 |
| Loan loss allowance to noncurrent loans | 461.3013% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 1.3780% | 1,519 |
| Noncurrent loans to loans | 0.3802% | 4,078 |
| Net loans and leases to total assets | 69.8470% | 2,368 |
| Net loans and leases to deposits | 79.6749% | 2,840 |
| Net loans and leases to core deposits | 83.0314% | 3,040 |
| Total domestic deposits to total assets | 87.6649% | 1,819 |
| Equity capital to assets | 10.0634% | 3,999 |
| Core capital (leverage) ratio | 9.9021% | 3,658 |
| Tier 1 risk-based capital ratio | 11.9180% | 4,967 |
| Total risk-based capital ratio | 13.1710% | 4,874 |
| Memoranda: | ||
| Average total assets | $1,321,421,500 | 561 |
| Average earning assets | $1,232,017,500 | 549 |
| Average equity | $129,763,000 | 619 |
| Average total loans | $914,832,500 | 548 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 2,716 |
| Cost of funding earning assets | 0.1979% | 5,302 |
| Net interest margin | 3.9580% | 1,850 |
| Noninterest income to average assets | 0.3821% | 4,173 |
| Noninterest expense to average assets | 3.0528% | 2,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6702% | 3,949 |
| Return on assets (ROA) | 0.6773% | 4,017 |
| Pretax return on assets | 1.0072% | 3,443 |
| Return on Equity (ROE) | 7.0091% | 3,509 |
| Retained earnings to average equity (ytd only) | 7.0091% | 1,275 |
| Net charge-offs to loans | -0.0092% | 5,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2029% | 2,396 |
| Assets per employee ($millions) | 6.1810% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8250% | 1,088 |
| Loan loss allowance to noncurrent loans | 341.8401% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 1.5800% | 1,256 |
| Noncurrent loans to loans | 0.5339% | 3,568 |
| Net loans and leases to total assets | 66.1690% | 2,959 |
| Net loans and leases to deposits | 75.1200% | 3,372 |
| Net loans and leases to core deposits | 78.5705% | 3,487 |
| Total domestic deposits to total assets | 88.0843% | 1,584 |
| Equity capital to assets | 9.5794% | 4,463 |
| Core capital (leverage) ratio | 9.5832% | 4,068 |
| Tier 1 risk-based capital ratio | 11.9912% | 4,954 |
| Total risk-based capital ratio | 13.2447% | 4,854 |
| Memoranda: | ||
| Average total assets | $1,287,231,200 | 559 |
| Average earning assets | $1,192,743,200 | 545 |
| Average equity | $124,381,000 | 612 |
| Average total loans | $850,621,400 | 555 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1186% | 2,862 |
| Cost of funding earning assets | 0.2025% | 5,352 |
| Net interest margin | 3.9161% | 1,979 |
| Noninterest income to average assets | 0.3513% | 4,429 |
| Noninterest expense to average assets | 3.0043% | 2,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6428% | 4,172 |
| Return on assets (ROA) | 0.6491% | 4,251 |
| Pretax return on assets | 0.9797% | 3,694 |
| Return on Equity (ROE) | 6.7020% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.7020% | 1,834 |
| Net charge-offs to loans | -0.0092% | 4,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3992% | 2,336 |
| Assets per employee ($millions) | 6.0675% | 1,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9045% | 1,064 |
| Loan loss allowance to noncurrent loans | 314.5158% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 1.7257% | 1,255 |
| Noncurrent loans to loans | 0.6055% | 3,502 |
| Net loans and leases to total assets | 64.4631% | 3,233 |
| Net loans and leases to deposits | 73.1188% | 3,637 |
| Net loans and leases to core deposits | 76.9759% | 3,693 |
| Total domestic deposits to total assets | 88.1621% | 1,470 |
| Equity capital to assets | 9.6881% | 4,532 |
| Core capital (leverage) ratio | 9.8026% | 3,898 |
| Tier 1 risk-based capital ratio | 12.2136% | 4,953 |
| Total risk-based capital ratio | 13.4679% | 4,851 |
| Memoranda: | ||
| Average total assets | $1,275,264,250 | 565 |
| Average earning assets | $1,179,894,250 | 548 |
| Average equity | $123,502,750 | 619 |
| Average total loans | $838,316,000 | 560 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 2,841 |
| Cost of funding earning assets | 0.2073% | 5,378 |
| Net interest margin | 3.9085% | 1,944 |
| Noninterest income to average assets | 0.4302% | 3,853 |
| Noninterest expense to average assets | 3.0753% | 2,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6785% | 3,983 |
| Return on assets (ROA) | 0.6871% | 4,066 |
| Pretax return on assets | 0.9778% | 3,668 |
| Return on Equity (ROE) | 7.0962% | 3,553 |
| Retained earnings to average equity (ytd only) | 7.0962% | 1,658 |
| Net charge-offs to loans | -0.0060% | 4,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9196% | 2,371 |
| Assets per employee ($millions) | 5.8578% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9309% | 1,107 |
| Loan loss allowance to noncurrent loans | 285.5224% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 1.9430% | 1,151 |
| Noncurrent loans to loans | 0.6763% | 3,454 |
| Net loans and leases to total assets | 65.7048% | 3,006 |
| Net loans and leases to deposits | 74.6361% | 3,421 |
| Net loans and leases to core deposits | 78.8354% | 3,500 |
| Total domestic deposits to total assets | 88.0336% | 1,640 |
| Equity capital to assets | 9.8445% | 4,228 |
| Core capital (leverage) ratio | 9.3951% | 4,429 |
| Tier 1 risk-based capital ratio | 11.5479% | 5,433 |
| Total risk-based capital ratio | 12.8025% | 5,350 |
| Memoranda: | ||
| Average total assets | $1,263,492,000 | 564 |
| Average earning assets | $1,167,161,670 | 551 |
| Average equity | $122,347,000 | 628 |
| Average total loans | $830,673,670 | 562 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 3,044 |
| Cost of funding earning assets | 0.2109% | 5,408 |
| Net interest margin | 3.8398% | 2,098 |
| Noninterest income to average assets | 0.4540% | 3,612 |
| Noninterest expense to average assets | 3.1709% | 2,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5658% | 4,421 |
| Return on assets (ROA) | 0.5731% | 4,499 |
| Pretax return on assets | 0.8468% | 4,072 |
| Return on Equity (ROE) | 5.9683% | 4,052 |
| Retained earnings to average equity (ytd only) | 5.9683% | 2,520 |
| Net charge-offs to loans | 0.0019% | 3,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 659.7500% | 75 |
| Efficiency ratio | 78.9453% | 2,052 |
| Assets per employee ($millions) | 5.8494% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9721% | 1,135 |
| Loan loss allowance to noncurrent loans | 272.6969% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 2.0216% | 1,171 |
| Noncurrent loans to loans | 0.7232% | 3,451 |
| Net loans and leases to total assets | 64.2842% | 3,054 |
| Net loans and leases to deposits | 73.1967% | 3,404 |
| Net loans and leases to core deposits | 77.3904% | 3,438 |
| Total domestic deposits to total assets | 87.8238% | 1,918 |
| Equity capital to assets | 9.7030% | 4,506 |
| Core capital (leverage) ratio | 9.1291% | 4,814 |
| Tier 1 risk-based capital ratio | 11.5395% | 5,532 |
| Total risk-based capital ratio | 12.7895% | 5,449 |
| Memoranda: | ||
| Average total assets | $1,262,593,500 | 558 |
| Average earning assets | $1,168,294,500 | 550 |
| Average equity | $121,240,000 | 633 |
| Average total loans | $822,148,000 | 564 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 3,100 |
| Cost of funding earning assets | 0.2657% | 5,155 |
| Net interest margin | 3.8904% | 2,277 |
| Noninterest income to average assets | 0.4443% | 3,873 |
| Noninterest expense to average assets | 3.1038% | 2,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5898% | 722 |
| Return on assets (ROA) | 1.5902% | 757 |
| Pretax return on assets | 0.9150% | 3,849 |
| Return on Equity (ROE) | 17.1012% | 480 |
| Retained earnings to average equity (ytd only) | 13.0228% | 221 |
| Net charge-offs to loans | 0.0283% | 4,253 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 51.3699% | 912 |
| Efficiency ratio | 76.9998% | 2,351 |
| Assets per employee ($millions) | 5.8432% | 1,494 |
| Cash dividends to net income (ytd only)* | 23.8485% | 3,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0036% | 1,110 |
| Loan loss allowance to noncurrent loans | 351.2573% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 1.9594% | 1,317 |
| Noncurrent loans to loans | 0.5704% | 3,955 |
| Net loans and leases to total assets | 63.3372% | 3,312 |
| Net loans and leases to deposits | 72.0012% | 3,682 |
| Net loans and leases to core deposits | 76.5532% | 3,650 |
| Total domestic deposits to total assets | 87.9669% | 1,791 |
| Equity capital to assets | 9.5473% | 4,661 |
| Core capital (leverage) ratio | 8.9551% | 5,057 |
| Tier 1 risk-based capital ratio | 12.1412% | 5,271 |
| Total risk-based capital ratio | 13.3976% | 5,171 |
| Memoranda: | ||
| Average total assets | $1,230,092,400 | 553 |
| Average earning assets | $1,130,082,800 | 548 |
| Average equity | $114,383,800 | 641 |
| Average total loans | $774,030,200 | 566 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1090% | 3,337 |
| Cost of funding earning assets | 0.2753% | 5,149 |
| Net interest margin | 3.8336% | 2,497 |
| Noninterest income to average assets | 0.4893% | 3,618 |
| Noninterest expense to average assets | 3.1183% | 2,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7408% | 572 |
| Return on assets (ROA) | 1.7410% | 585 |
| Pretax return on assets | 0.8866% | 4,048 |
| Return on Equity (ROE) | 18.8532% | 366 |
| Retained earnings to average equity (ytd only) | 14.1689% | 243 |
| Net charge-offs to loans | 0.0370% | 3,749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 38.3207% | 1,166 |
| Efficiency ratio | 77.6222% | 2,247 |
| Assets per employee ($millions) | 5.8622% | 1,440 |
| Cash dividends to net income (ytd only)* | 24.8465% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0315% | 1,206 |
| Loan loss allowance to noncurrent loans | 271.6113% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 2.1763% | 1,274 |
| Noncurrent loans to loans | 0.7479% | 3,730 |
| Net loans and leases to total assets | 62.5636% | 3,398 |
| Net loans and leases to deposits | 70.4708% | 3,868 |
| Net loans and leases to core deposits | 75.0769% | 3,846 |
| Total domestic deposits to total assets | 88.7795% | 1,363 |
| Equity capital to assets | 9.3033% | 5,029 |
| Core capital (leverage) ratio | 8.9847% | 5,093 |
| Tier 1 risk-based capital ratio | 12.2004% | 5,370 |
| Total risk-based capital ratio | 13.4572% | 5,281 |
| Memoranda: | ||
| Average total assets | $1,222,083,500 | 550 |
| Average earning assets | $1,120,613,500 | 547 |
| Average equity | $112,855,000 | 646 |
| Average total loans | $763,602,500 | 572 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 3,358 |
| Cost of funding earning assets | 0.2828% | 5,154 |
| Net interest margin | 3.8140% | 2,517 |
| Noninterest income to average assets | 0.4866% | 3,581 |
| Noninterest expense to average assets | 3.1350% | 2,372 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.3896% | 167 |
| Return on assets (ROA) | 2.3899% | 171 |
| Pretax return on assets | 0.8387% | 4,123 |
| Return on Equity (ROE) | 25.9472% | 94 |
| Retained earnings to average equity (ytd only) | 19.2768% | 96 |
| Net charge-offs to loans | -0.0005% | 5,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6514% | 2,210 |
| Assets per employee ($millions) | 5.7451% | 1,482 |
| Cash dividends to net income (ytd only)* | 25.7076% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1790% | 1,059 |
| Loan loss allowance to noncurrent loans | 311.2552% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 2.5404% | 1,104 |
| Noncurrent loans to loans | 0.7001% | 3,955 |
| Net loans and leases to total assets | 59.9265% | 3,726 |
| Net loans and leases to deposits | 67.9582% | 4,055 |
| Net loans and leases to core deposits | 72.8052% | 3,967 |
| Total domestic deposits to total assets | 88.1815% | 1,803 |
| Equity capital to assets | 9.3748% | 4,869 |
| Core capital (leverage) ratio | 9.1610% | 4,804 |
| Tier 1 risk-based capital ratio | 12.5478% | 5,198 |
| Total risk-based capital ratio | 13.8057% | 5,118 |
| Memoranda: | ||
| Average total assets | $1,209,318,330 | 557 |
| Average earning assets | $1,105,549,330 | 551 |
| Average equity | $111,387,670 | 648 |
| Average total loans | $749,840,000 | 578 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0775% | 3,368 |
| Cost of funding earning assets | 0.2978% | 5,087 |
| Net interest margin | 3.7797% | 2,555 |
| Noninterest income to average assets | 0.4287% | 3,959 |
| Noninterest expense to average assets | 3.2010% | 2,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 4.0784% | 63 |
| Return on assets (ROA) | 4.0791% | 65 |
| Pretax return on assets | 0.6827% | 4,547 |
| Return on Equity (ROE) | 44.6997% | 25 |
| Retained earnings to average equity (ytd only) | 31.0558% | 35 |
| Net charge-offs to loans | 0.0118% | 3,378 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 92.5000% | 488 |
| Efficiency ratio | 82.1768% | 1,903 |
| Assets per employee ($millions) | 5.7582% | 1,490 |
| Cash dividends to net income (ytd only)* | 30.5234% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2154% | 1,133 |
| Loan loss allowance to noncurrent loans | 258.9386% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 2.9015% | 1,000 |
| Noncurrent loans to loans | 0.8556% | 3,754 |
| Net loans and leases to total assets | 60.6649% | 3,451 |
| Net loans and leases to deposits | 68.8927% | 3,753 |
| Net loans and leases to core deposits | 74.1205% | 3,631 |
| Total domestic deposits to total assets | 88.0572% | 2,208 |
| Equity capital to assets | 9.4248% | 4,595 |
| Core capital (leverage) ratio | 9.1103% | 4,856 |
| Tier 1 risk-based capital ratio | 12.4913% | 5,318 |
| Total risk-based capital ratio | 13.7497% | 5,252 |
| Memoranda: | ||
| Average total assets | $1,193,506,000 | 568 |
| Average earning assets | $1,090,777,500 | 561 |
| Average equity | $108,913,500 | 665 |
| Average total loans | $744,650,500 | 585 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5698% | 1,962 |
| Cost of funding earning assets | 0.3416% | 5,228 |
| Net interest margin | 4.2282% | 1,277 |
| Noninterest income to average assets | 0.3265% | 4,996 |
| Noninterest expense to average assets | 3.2678% | 2,229 |
| Loan and lease loss provision to assets | 0.1128% | 2,930 |
| Net operating income to assets | 0.8121% | 3,232 |
| Return on assets (ROA) | 0.8121% | 3,327 |
| Pretax return on assets | 0.8121% | 4,099 |
| Return on Equity (ROE) | 8.6744% | 2,710 |
| Retained earnings to average equity (ytd only) | 4.3277% | 3,097 |
| Net charge-offs to loans | 0.2889% | 2,243 |
| Credit loss provision to net charge-offs | 58.9684% | 3,600 |
| Earnings coverage of net charge-offs (x) | 4.8369% | 3,439 |
| Efficiency ratio | 77.9410% | 2,477 |
| Assets per employee ($millions) | 5.6629% | 1,502 |
| Cash dividends to net income (ytd only)* | 50.1094% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2302% | 1,136 |
| Loan loss allowance to noncurrent loans | 183.7271% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 3.0405% | 1,031 |
| Noncurrent loans to loans | 1.2138% | 3,116 |
| Net loans and leases to total assets | 61.3508% | 3,474 |
| Net loans and leases to deposits | 69.3358% | 3,866 |
| Net loans and leases to core deposits | 75.5004% | 3,661 |
| Total domestic deposits to total assets | 88.4836% | 1,911 |
| Equity capital to assets | 8.8212% | 5,234 |
| Core capital (leverage) ratio | 8.9833% | 5,031 |
| Tier 1 risk-based capital ratio | 12.4889% | 5,297 |
| Total risk-based capital ratio | 13.7479% | 5,246 |
| Memoranda: | ||
| Average total assets | $1,125,469,200 | 583 |
| Average earning assets | $1,029,087,400 | 579 |
| Average equity | $105,367,600 | 673 |
| Average total loans | $744,789,800 | 567 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7143% | 1,556 |
| Cost of funding earning assets | 0.3468% | 5,325 |
| Net interest margin | 4.3675% | 954 |
| Noninterest income to average assets | 0.6226% | 3,023 |
| Noninterest expense to average assets | 3.2337% | 2,251 |
| Loan and lease loss provision to assets | 0.1524% | 2,361 |
| Net operating income to assets | 1.2190% | 1,573 |
| Return on assets (ROA) | 1.2190% | 1,644 |
| Pretax return on assets | 1.2190% | 2,623 |
| Return on Equity (ROE) | 12.8231% | 1,281 |
| Retained earnings to average equity (ytd only) | 7.0409% | 1,850 |
| Net charge-offs to loans | 0.3762% | 1,697 |
| Credit loss provision to net charge-offs | 60.3899% | 3,289 |
| Earnings coverage of net charge-offs (x) | 5.4337% | 3,194 |
| Efficiency ratio | 70.2197% | 3,722 |
| Assets per employee ($millions) | 5.3565% | 1,785 |
| Cash dividends to net income (ytd only)* | 45.0920% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2591% | 1,238 |
| Loan loss allowance to noncurrent loans | 169.1407% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 3.4666% | 986 |
| Noncurrent loans to loans | 1.3356% | 3,190 |
| Net loans and leases to total assets | 63.5944% | 3,058 |
| Net loans and leases to deposits | 71.9030% | 3,525 |
| Net loans and leases to core deposits | 78.2233% | 3,328 |
| Total domestic deposits to total assets | 88.4447% | 1,867 |
| Equity capital to assets | 9.4511% | 4,614 |
| Core capital (leverage) ratio | 9.4009% | 4,527 |
| Tier 1 risk-based capital ratio | 12.5789% | 5,407 |
| Total risk-based capital ratio | 13.8380% | 5,347 |
| Memoranda: | ||
| Average total assets | $1,110,949,750 | 596 |
| Average earning assets | $1,013,013,000 | 591 |
| Average equity | $105,608,750 | 675 |
| Average total loans | $745,317,500 | 566 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8127% | 1,303 |
| Cost of funding earning assets | 0.3468% | 5,437 |
| Net interest margin | 4.4659% | 758 |
| Noninterest income to average assets | 0.7024% | 2,625 |
| Noninterest expense to average assets | 3.2461% | 2,226 |
| Loan and lease loss provision to assets | 0.2187% | 1,736 |
| Net operating income to assets | 1.3045% | 1,314 |
| Return on assets (ROA) | 1.3045% | 1,398 |
| Pretax return on assets | 1.3045% | 2,287 |
| Return on Equity (ROE) | 13.6951% | 1,070 |
| Retained earnings to average equity (ytd only) | 8.9805% | 1,126 |
| Net charge-offs to loans | 0.3908% | 1,658 |
| Credit loss provision to net charge-offs | 82.5701% | 2,576 |
| Earnings coverage of net charge-offs (x) | 5.7498% | 2,836 |
| Efficiency ratio | 68.0626% | 4,173 |
| Assets per employee ($millions) | 5.2771% | 1,818 |
| Cash dividends to net income (ytd only)* | 34.4253% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3102% | 1,244 |
| Loan loss allowance to noncurrent loans | 143.5934% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 3.8959% | 912 |
| Noncurrent loans to loans | 1.6089% | 2,895 |
| Net loans and leases to total assets | 65.2857% | 2,714 |
| Net loans and leases to deposits | 74.7712% | 3,046 |
| Net loans and leases to core deposits | 81.7034% | 2,830 |
| Total domestic deposits to total assets | 87.3139% | 2,650 |
| Equity capital to assets | 9.4666% | 4,626 |
| Core capital (leverage) ratio | 9.5706% | 4,121 |
| Tier 1 risk-based capital ratio | 12.5281% | 5,476 |
| Total risk-based capital ratio | 13.7880% | 5,412 |
| Memoranda: | ||
| Average total assets | $1,104,523,000 | 602 |
| Average earning assets | $1,005,843,000 | 595 |
| Average equity | $105,205,330 | 680 |
| Average total loans | $748,631,330 | 559 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6671% | 1,628 |
| Cost of funding earning assets | 0.3503% | 5,528 |
| Net interest margin | 4.3168% | 942 |
| Noninterest income to average assets | 0.8694% | 1,867 |
| Noninterest expense to average assets | 3.2417% | 2,222 |
| Loan and lease loss provision to assets | 0.0895% | 3,171 |
| Net operating income to assets | 1.4676% | 918 |
| Return on assets (ROA) | 1.4676% | 999 |
| Pretax return on assets | 1.4676% | 1,659 |
| Return on Equity (ROE) | 15.3600% | 691 |
| Retained earnings to average equity (ytd only) | 15.3600% | 323 |
| Net charge-offs to loans | 0.2829% | 1,834 |
| Credit loss provision to net charge-offs | 46.3277% | 2,655 |
| Earnings coverage of net charge-offs (x) | 8.0640% | 1,984 |
| Efficiency ratio | 67.5532% | 4,399 |
| Assets per employee ($millions) | 5.1771% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3042% | 1,404 |
| Loan loss allowance to noncurrent loans | 166.9196% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 3.9224% | 1,035 |
| Noncurrent loans to loans | 1.3804% | 3,495 |
| Net loans and leases to total assets | 66.6100% | 2,264 |
| Net loans and leases to deposits | 76.5332% | 2,546 |
| Net loans and leases to core deposits | 83.7375% | 2,353 |
| Total domestic deposits to total assets | 87.0342% | 2,942 |
| Equity capital to assets | 9.7877% | 4,438 |
| Core capital (leverage) ratio | 9.5268% | 4,032 |
| Tier 1 risk-based capital ratio | 12.3901% | 5,652 |
| Total risk-based capital ratio | 13.6499% | 5,588 |
| Memoranda: | ||
| Average total assets | $1,100,053,500 | 608 |
| Average earning assets | $1,001,302,000 | 604 |
| Average equity | $105,104,500 | 691 |
| Average total loans | $750,886,000 | 556 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9785% | 1,623 |
| Cost of funding earning assets | 0.4286% | 5,731 |
| Net interest margin | 4.5499% | 862 |
| Noninterest income to average assets | 0.1145% | 6,455 |
| Noninterest expense to average assets | 3.4074% | 2,026 |
| Loan and lease loss provision to assets | 0.2563% | 2,601 |
| Net operating income to assets | 0.5348% | 4,546 |
| Return on assets (ROA) | 0.5350% | 4,808 |
| Pretax return on assets | 0.5350% | 5,182 |
| Return on Equity (ROE) | 5.4686% | 4,439 |
| Retained earnings to average equity (ytd only) | 2.9766% | 4,136 |
| Net charge-offs to loans | 0.0524% | 5,194 |
| Credit loss provision to net charge-offs | 724.7956% | 342 |
| Earnings coverage of net charge-offs (x) | 22.3706% | 1,266 |
| Efficiency ratio | 81.1576% | 1,990 |
| Assets per employee ($millions) | 5.0582% | 2,155 |
| Cash dividends to net income (ytd only)* | 45.5692% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3047% | 1,358 |
| Loan loss allowance to noncurrent loans | 134.5934% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 3.8469% | 1,138 |
| Noncurrent loans to loans | 1.7123% | 3,043 |
| Net loans and leases to total assets | 66.7611% | 2,408 |
| Net loans and leases to deposits | 76.0960% | 2,790 |
| Net loans and leases to core deposits | 82.7566% | 2,690 |
| Total domestic deposits to total assets | 87.7327% | 2,390 |
| Equity capital to assets | 9.3245% | 5,119 |
| Core capital (leverage) ratio | 9.3186% | 4,382 |
| Tier 1 risk-based capital ratio | 11.8795% | 5,854 |
| Total risk-based capital ratio | 13.1396% | 5,808 |
| Memoranda: | ||
| Average total assets | $1,037,799,000 | 641 |
| Average earning assets | $931,539,400 | 645 |
| Average equity | $101,524,800 | 702 |
| Average total loans | $699,715,200 | 591 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0169% | 1,657 |
| Cost of funding earning assets | 0.4475% | 5,813 |
| Net interest margin | 4.5694% | 867 |
| Noninterest income to average assets | 0.6221% | 3,147 |
| Noninterest expense to average assets | 3.5043% | 1,747 |
| Loan and lease loss provision to assets | 0.2940% | 2,232 |
| Net operating income to assets | 0.9073% | 2,950 |
| Return on assets (ROA) | 0.9075% | 3,178 |
| Pretax return on assets | 0.9075% | 4,074 |
| Return on Equity (ROE) | 9.1606% | 2,728 |
| Retained earnings to average equity (ytd only) | 5.8235% | 2,813 |
| Net charge-offs to loans | 0.0689% | 4,729 |
| Credit loss provision to net charge-offs | 635.5932% | 423 |
| Earnings coverage of net charge-offs (x) | 25.9688% | 1,228 |
| Efficiency ratio | 74.4710% | 2,906 |
| Assets per employee ($millions) | 4.7215% | 2,572 |
| Cash dividends to net income (ytd only)* | 36.4291% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3695% | 1,406 |
| Loan loss allowance to noncurrent loans | 150.2777% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 4.5099% | 1,026 |
| Noncurrent loans to loans | 1.5767% | 3,427 |
| Net loans and leases to total assets | 67.0196% | 2,451 |
| Net loans and leases to deposits | 76.5894% | 2,894 |
| Net loans and leases to core deposits | 84.0227% | 2,694 |
| Total domestic deposits to total assets | 87.5050% | 2,345 |
| Equity capital to assets | 9.9542% | 4,563 |
| Core capital (leverage) ratio | 9.6312% | 4,075 |
| Tier 1 risk-based capital ratio | 12.3977% | 5,704 |
| Total risk-based capital ratio | 13.6580% | 5,671 |
| Memoranda: | ||
| Average total assets | $1,020,313,000 | 655 |
| Average earning assets | $911,807,500 | 656 |
| Average equity | $101,083,000 | 706 |
| Average total loans | $685,397,250 | 603 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0013% | 1,789 |
| Cost of funding earning assets | 0.4540% | 5,944 |
| Net interest margin | 4.5473% | 912 |
| Noninterest income to average assets | 0.5379% | 3,664 |
| Noninterest expense to average assets | 3.4529% | 1,900 |
| Loan and lease loss provision to assets | 0.2738% | 2,397 |
| Net operating income to assets | 0.8631% | 3,069 |
| Return on assets (ROA) | 0.8635% | 3,335 |
| Pretax return on assets | 0.8635% | 4,219 |
| Return on Equity (ROE) | 8.7301% | 2,921 |
| Retained earnings to average equity (ytd only) | 6.2301% | 2,548 |
| Net charge-offs to loans | -0.0656% | 6,740 |
| Credit loss provision to net charge-offs | -626.2443% | 6,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2306% | 2,859 |
| Assets per employee ($millions) | 4.6755% | 2,602 |
| Cash dividends to net income (ytd only)* | 28.6369% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3702% | 1,459 |
| Loan loss allowance to noncurrent loans | 126.8104% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 5.1092% | 926 |
| Noncurrent loans to loans | 1.8691% | 3,120 |
| Net loans and leases to total assets | 66.5035% | 2,571 |
| Net loans and leases to deposits | 76.1300% | 2,971 |
| Net loans and leases to core deposits | 84.2831% | 2,655 |
| Total domestic deposits to total assets | 87.3551% | 2,564 |
| Equity capital to assets | 9.8439% | 4,554 |
| Core capital (leverage) ratio | 9.6442% | 3,935 |
| Tier 1 risk-based capital ratio | 12.1571% | 5,827 |
| Total risk-based capital ratio | 13.4168% | 5,797 |
| Memoranda: | ||
| Average total assets | $1,011,025,670 | 661 |
| Average earning assets | $900,877,000 | 663 |
| Average equity | $99,998,330 | 714 |
| Average total loans | $674,019,000 | 617 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9385% | 2,094 |
| Cost of funding earning assets | 0.4581% | 6,093 |
| Net interest margin | 4.4805% | 1,050 |
| Noninterest income to average assets | 0.6360% | 3,019 |
| Noninterest expense to average assets | 3.4777% | 1,808 |
| Loan and lease loss provision to assets | 0.1307% | 3,710 |
| Net operating income to assets | 1.0085% | 2,448 |
| Return on assets (ROA) | 1.0093% | 2,633 |
| Pretax return on assets | 1.0093% | 3,647 |
| Return on Equity (ROE) | 10.1790% | 2,333 |
| Retained earnings to average equity (ytd only) | 7.5867% | 2,133 |
| Net charge-offs to loans | -0.0122% | 6,007 |
| Credit loss provision to net charge-offs | -1,630.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3257% | 2,887 |
| Assets per employee ($millions) | 4.6565% | 2,721 |
| Cash dividends to net income (ytd only)* | 25.4668% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3378% | 1,611 |
| Loan loss allowance to noncurrent loans | 135.0911% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 5.4616% | 906 |
| Noncurrent loans to loans | 1.7306% | 3,516 |
| Net loans and leases to total assets | 64.3734% | 2,793 |
| Net loans and leases to deposits | 73.4848% | 3,198 |
| Net loans and leases to core deposits | 80.7663% | 2,974 |
| Total domestic deposits to total assets | 87.6010% | 2,588 |
| Equity capital to assets | 9.9147% | 4,237 |
| Core capital (leverage) ratio | 9.9065% | 3,488 |
| Tier 1 risk-based capital ratio | 12.6213% | 5,500 |
| Total risk-based capital ratio | 13.8805% | 5,464 |
| Memoranda: | ||
| Average total assets | $997,561,000 | 668 |
| Average earning assets | $886,339,000 | 677 |
| Average equity | $98,910,000 | 722 |
| Average total loans | $657,511,500 | 633 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8329% | 3,656 |
| Cost of funding earning assets | 0.6110% | 6,043 |
| Net interest margin | 4.2219% | 1,989 |
| Noninterest income to average assets | 0.4555% | 4,177 |
| Noninterest expense to average assets | 3.4076% | 2,218 |
| Loan and lease loss provision to assets | 0.4298% | 2,450 |
| Net operating income to assets | 0.4204% | 4,773 |
| Return on assets (ROA) | 0.4480% | 4,862 |
| Pretax return on assets | 0.4480% | 5,134 |
| Return on Equity (ROE) | 4.5480% | 4,602 |
| Retained earnings to average equity (ytd only) | 2.7220% | 4,300 |
| Net charge-offs to loans | 0.3685% | 3,561 |
| Credit loss provision to net charge-offs | 183.6806% | 1,402 |
| Earnings coverage of net charge-offs (x) | 3.6332% | 3,445 |
| Efficiency ratio | 80.0329% | 2,295 |
| Assets per employee ($millions) | 4.4766% | 2,953 |
| Cash dividends to net income (ytd only)* | 40.1496% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3239% | 1,587 |
| Loan loss allowance to noncurrent loans | 136.8587% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 5.6552% | 896 |
| Noncurrent loans to loans | 1.6980% | 3,616 |
| Net loans and leases to total assets | 64.3777% | 3,098 |
| Net loans and leases to deposits | 73.4895% | 3,581 |
| Net loans and leases to core deposits | 81.4998% | 3,244 |
| Total domestic deposits to total assets | 87.6013% | 2,406 |
| Equity capital to assets | 9.9157% | 4,279 |
| Core capital (leverage) ratio | 9.6813% | 3,764 |
| Tier 1 risk-based capital ratio | 12.5610% | 5,401 |
| Total risk-based capital ratio | 13.8199% | 5,384 |
| Memoranda: | ||
| Average total assets | $984,639,800 | 665 |
| Average earning assets | $886,785,200 | 666 |
| Average equity | $96,988,600 | 708 |
| Average total loans | $625,183,000 | 665 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 4,142 |
| Cost of funding earning assets | 0.6373% | 6,103 |
| Net interest margin | 4.1327% | 2,342 |
| Noninterest income to average assets | 0.6731% | 2,752 |
| Noninterest expense to average assets | 3.3087% | 2,470 |
| Loan and lease loss provision to assets | 0.3640% | 2,678 |
| Net operating income to assets | 0.7387% | 3,434 |
| Return on assets (ROA) | 0.7387% | 3,603 |
| Pretax return on assets | 0.7387% | 4,348 |
| Return on Equity (ROE) | 7.5122% | 3,269 |
| Retained earnings to average equity (ytd only) | 5.0706% | 3,125 |
| Net charge-offs to loans | 0.3044% | 3,567 |
| Credit loss provision to net charge-offs | 190.1558% | 1,529 |
| Earnings coverage of net charge-offs (x) | 5.7606% | 2,700 |
| Efficiency ratio | 75.0031% | 3,003 |
| Assets per employee ($millions) | 4.6185% | 2,729 |
| Cash dividends to net income (ytd only)* | 32.5013% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3849% | 1,559 |
| Loan loss allowance to noncurrent loans | 59.6969% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 6.2844% | 833 |
| Noncurrent loans to loans | 3.9951% | 1,659 |
| Net loans and leases to total assets | 59.4828% | 4,234 |
| Net loans and leases to deposits | 68.1465% | 4,579 |
| Net loans and leases to core deposits | 76.6772% | 4,100 |
| Total domestic deposits to total assets | 87.2866% | 2,473 |
| Equity capital to assets | 9.9831% | 4,366 |
| Core capital (leverage) ratio | 9.9635% | 3,486 |
| Tier 1 risk-based capital ratio | 13.4443% | 4,778 |
| Total risk-based capital ratio | 14.7035% | 4,740 |
| Memoranda: | ||
| Average total assets | $983,469,250 | 672 |
| Average earning assets | $889,627,500 | 671 |
| Average equity | $96,711,250 | 713 |
| Average total loans | $618,464,750 | 680 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 4,336 |
| Cost of funding earning assets | 0.6587% | 6,179 |
| Net interest margin | 4.0843% | 2,474 |
| Noninterest income to average assets | 0.7685% | 2,166 |
| Noninterest expense to average assets | 3.2805% | 2,633 |
| Loan and lease loss provision to assets | 0.3795% | 2,515 |
| Net operating income to assets | 0.8198% | 2,983 |
| Return on assets (ROA) | 0.8198% | 3,101 |
| Pretax return on assets | 0.8198% | 3,946 |
| Return on Equity (ROE) | 8.3800% | 2,773 |
| Retained earnings to average equity (ytd only) | 5.7044% | 2,588 |
| Net charge-offs to loans | 0.0479% | 5,175 |
| Credit loss provision to net charge-offs | 1,246.3087% | 275 |
| Earnings coverage of net charge-offs (x) | 39.3893% | 749 |
| Efficiency ratio | 73.2290% | 3,509 |
| Assets per employee ($millions) | 4.5104% | 2,814 |
| Cash dividends to net income (ytd only)* | 31.9292% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4090% | 1,575 |
| Loan loss allowance to noncurrent loans | 47.3778% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 5.9044% | 953 |
| Noncurrent loans to loans | 5.0847% | 1,282 |
| Net loans and leases to total assets | 61.5235% | 3,982 |
| Net loans and leases to deposits | 70.0459% | 4,429 |
| Net loans and leases to core deposits | 79.7111% | 3,827 |
| Total domestic deposits to total assets | 87.8331% | 2,257 |
| Equity capital to assets | 9.9532% | 4,214 |
| Core capital (leverage) ratio | 9.9973% | 3,269 |
| Tier 1 risk-based capital ratio | 13.2875% | 4,701 |
| Total risk-based capital ratio | 14.5474% | 4,667 |
| Memoranda: | ||
| Average total assets | $978,759,000 | 685 |
| Average earning assets | $889,367,000 | 680 |
| Average equity | $95,751,330 | 716 |
| Average total loans | $621,987,000 | 687 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7279% | 4,381 |
| Cost of funding earning assets | 0.6880% | 6,204 |
| Net interest margin | 4.0399% | 2,517 |
| Noninterest income to average assets | 1.1707% | 943 |
| Noninterest expense to average assets | 3.3470% | 2,412 |
| Loan and lease loss provision to assets | 0.3650% | 2,372 |
| Net operating income to assets | 1.1338% | 1,724 |
| Return on assets (ROA) | 1.1338% | 1,770 |
| Pretax return on assets | 1.1338% | 2,631 |
| Return on Equity (ROE) | 11.6925% | 1,544 |
| Retained earnings to average equity (ytd only) | 9.5339% | 1,229 |
| Net charge-offs to loans | 0.0610% | 4,320 |
| Credit loss provision to net charge-offs | 937.8947% | 406 |
| Earnings coverage of net charge-offs (x) | 38.5158% | 701 |
| Efficiency ratio | 69.0702% | 4,459 |
| Assets per employee ($millions) | 4.7647% | 2,477 |
| Cash dividends to net income (ytd only)* | 18.4610% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2431% | 1,871 |
| Loan loss allowance to noncurrent loans | 37.7721% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 6.5108% | 855 |
| Noncurrent loans to loans | 5.9386% | 1,070 |
| Net loans and leases to total assets | 61.6546% | 3,934 |
| Net loans and leases to deposits | 72.3075% | 4,024 |
| Net loans and leases to core deposits | 82.6466% | 3,362 |
| Total domestic deposits to total assets | 85.2672% | 3,906 |
| Equity capital to assets | 9.6416% | 4,262 |
| Core capital (leverage) ratio | 9.6832% | 3,553 |
| Tier 1 risk-based capital ratio | 13.0771% | 4,767 |
| Total risk-based capital ratio | 14.3352% | 4,744 |
| Memoranda: | ||
| Average total assets | $976,504,500 | 690 |
| Average earning assets | $888,341,000 | 683 |
| Average equity | $94,693,500 | 716 |
| Average total loans | $623,043,500 | 694 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0189% | 4,462 |
| Cost of funding earning assets | 0.8743% | 6,274 |
| Net interest margin | 4.1445% | 2,391 |
| Noninterest income to average assets | 0.7166% | 2,743 |
| Noninterest expense to average assets | 3.5070% | 2,150 |
| Loan and lease loss provision to assets | 0.5087% | 3,122 |
| Net operating income to assets | 0.3905% | 4,585 |
| Return on assets (ROA) | 0.4536% | 4,464 |
| Pretax return on assets | 0.4536% | 4,782 |
| Return on Equity (ROE) | 4.6214% | 4,240 |
| Retained earnings to average equity (ytd only) | 1.9162% | 4,521 |
| Net charge-offs to loans | 0.6109% | 3,201 |
| Credit loss provision to net charge-offs | 129.9388% | 3,066 |
| Earnings coverage of net charge-offs (x) | 2.2970% | 4,004 |
| Efficiency ratio | 79.5918% | 2,467 |
| Assets per employee ($millions) | 4.5375% | 2,800 |
| Cash dividends to net income (ytd only)* | 58.5360% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1295% | 2,004 |
| Loan loss allowance to noncurrent loans | 43.3578% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 6.2802% | 915 |
| Noncurrent loans to loans | 4.9115% | 1,385 |
| Net loans and leases to total assets | 63.1850% | 4,030 |
| Net loans and leases to deposits | 72.6636% | 4,403 |
| Net loans and leases to core deposits | 83.3280% | 3,700 |
| Total domestic deposits to total assets | 86.9555% | 2,844 |
| Equity capital to assets | 9.7544% | 4,047 |
| Core capital (leverage) ratio | 9.4570% | 3,756 |
| Tier 1 risk-based capital ratio | 12.9573% | 4,629 |
| Total risk-based capital ratio | 14.2143% | 4,598 |
| Memoranda: | ||
| Average total assets | $960,713,600 | 697 |
| Average earning assets | $855,268,200 | 707 |
| Average equity | $94,299,600 | 712 |
| Average total loans | $615,625,400 | 721 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0227% | 4,708 |
| Cost of funding earning assets | 0.9126% | 6,345 |
| Net interest margin | 4.1101% | 2,586 |
| Noninterest income to average assets | 0.6400% | 3,186 |
| Noninterest expense to average assets | 3.3448% | 2,444 |
| Loan and lease loss provision to assets | 0.3548% | 3,775 |
| Net operating income to assets | 0.5786% | 3,966 |
| Return on assets (ROA) | 0.6628% | 3,755 |
| Pretax return on assets | 0.6628% | 4,375 |
| Return on Equity (ROE) | 6.7416% | 3,465 |
| Retained earnings to average equity (ytd only) | 3.1392% | 4,237 |
| Net charge-offs to loans | 0.2809% | 4,261 |
| Credit loss provision to net charge-offs | 197.5270% | 1,811 |
| Earnings coverage of net charge-offs (x) | 5.1963% | 2,818 |
| Efficiency ratio | 78.1809% | 2,602 |
| Assets per employee ($millions) | 4.6880% | 2,615 |
| Cash dividends to net income (ytd only)* | 53.4353% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1193% | 1,955 |
| Loan loss allowance to noncurrent loans | 37.6791% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 6.8488% | 799 |
| Noncurrent loans to loans | 5.6245% | 1,167 |
| Net loans and leases to total assets | 62.0902% | 4,513 |
| Net loans and leases to deposits | 73.1278% | 4,665 |
| Net loans and leases to core deposits | 83.7655% | 3,982 |
| Total domestic deposits to total assets | 84.9065% | 3,663 |
| Equity capital to assets | 9.6346% | 4,646 |
| Core capital (leverage) ratio | 9.6448% | 3,686 |
| Tier 1 risk-based capital ratio | 12.8796% | 4,666 |
| Total risk-based capital ratio | 14.1367% | 4,649 |
| Memoranda: | ||
| Average total assets | $960,406,500 | 694 |
| Average earning assets | $850,140,250 | 711 |
| Average equity | $94,416,500 | 712 |
| Average total loans | $614,274,750 | 722 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0981% | 4,465 |
| Cost of funding earning assets | 0.9503% | 6,375 |
| Net interest margin | 4.1478% | 2,342 |
| Noninterest income to average assets | 0.6713% | 2,882 |
| Noninterest expense to average assets | 3.3264% | 2,480 |
| Loan and lease loss provision to assets | 0.2760% | 4,187 |
| Net operating income to assets | 0.7140% | 3,340 |
| Return on assets (ROA) | 0.7140% | 3,494 |
| Pretax return on assets | 0.7140% | 4,184 |
| Return on Equity (ROE) | 7.2129% | 3,214 |
| Retained earnings to average equity (ytd only) | 1.7835% | 4,970 |
| Net charge-offs to loans | 0.1862% | 4,497 |
| Credit loss provision to net charge-offs | 231.0406% | 1,673 |
| Earnings coverage of net charge-offs (x) | 8.2875% | 2,159 |
| Efficiency ratio | 77.0635% | 2,885 |
| Assets per employee ($millions) | 4.6052% | 2,717 |
| Cash dividends to net income (ytd only)* | 75.2729% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1971% | 1,761 |
| Loan loss allowance to noncurrent loans | 39.1393% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 6.6016% | 838 |
| Noncurrent loans to loans | 5.6136% | 1,171 |
| Net loans and leases to total assets | 59.6786% | 5,126 |
| Net loans and leases to deposits | 68.9183% | 5,428 |
| Net loans and leases to core deposits | 79.2674% | 4,778 |
| Total domestic deposits to total assets | 86.5932% | 2,758 |
| Equity capital to assets | 9.8290% | 4,229 |
| Core capital (leverage) ratio | 9.8927% | 3,289 |
| Tier 1 risk-based capital ratio | 13.7568% | 3,903 |
| Total risk-based capital ratio | 15.0147% | 3,863 |
| Memoranda: | ||
| Average total assets | $949,253,670 | 702 |
| Average earning assets | $834,228,670 | 719 |
| Average equity | $93,970,330 | 703 |
| Average total loans | $608,881,670 | 737 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2172% | 3,930 |
| Cost of funding earning assets | 0.9977% | 6,390 |
| Net interest margin | 4.2195% | 1,964 |
| Noninterest income to average assets | 0.7272% | 2,421 |
| Noninterest expense to average assets | 3.1676% | 2,982 |
| Loan and lease loss provision to assets | 0.3945% | 3,002 |
| Net operating income to assets | 0.8280% | 2,846 |
| Return on assets (ROA) | 0.8280% | 2,942 |
| Pretax return on assets | 0.8280% | 3,749 |
| Return on Equity (ROE) | 8.3340% | 2,721 |
| Retained earnings to average equity (ytd only) | 5.7136% | 2,757 |
| Net charge-offs to loans | 0.3845% | 2,892 |
| Credit loss provision to net charge-offs | 156.1139% | 2,293 |
| Earnings coverage of net charge-offs (x) | 4.8375% | 2,536 |
| Efficiency ratio | 72.1531% | 3,906 |
| Assets per employee ($millions) | 4.4710% | 3,007 |
| Cash dividends to net income (ytd only)* | 31.4417% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0100% | 2,158 |
| Loan loss allowance to noncurrent loans | 36.7565% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 7.0679% | 759 |
| Noncurrent loans to loans | 5.4685% | 1,290 |
| Net loans and leases to total assets | 65.1801% | 4,062 |
| Net loans and leases to deposits | 75.9510% | 4,425 |
| Net loans and leases to core deposits | 88.0660% | 3,616 |
| Total domestic deposits to total assets | 85.8187% | 3,247 |
| Equity capital to assets | 10.1604% | 3,661 |
| Core capital (leverage) ratio | 9.8012% | 3,395 |
| Tier 1 risk-based capital ratio | 13.0928% | 4,264 |
| Total risk-based capital ratio | 14.3489% | 4,232 |
| Memoranda: | ||
| Average total assets | $944,939,000 | 722 |
| Average earning assets | $820,279,000 | 759 |
| Average equity | $93,880,500 | 710 |
| Average total loans | $621,076,000 | 743 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4868% | 4,213 |
| Cost of funding earning assets | 1.1435% | 6,839 |
| Net interest margin | 4.3433% | 1,594 |
| Noninterest income to average assets | 0.6473% | 3,314 |
| Noninterest expense to average assets | 3.6919% | 1,927 |
| Loan and lease loss provision to assets | 0.5805% | 3,480 |
| Net operating income to assets | 0.2147% | 4,852 |
| Return on assets (ROA) | 0.2961% | 4,626 |
| Pretax return on assets | 0.2961% | 4,773 |
| Return on Equity (ROE) | 2.9688% | 4,512 |
| Retained earnings to average equity (ytd only) | -1.5746% | 5,410 |
| Net charge-offs to loans | 0.5735% | 3,500 |
| Credit loss provision to net charge-offs | 147.4189% | 3,186 |
| Earnings coverage of net charge-offs (x) | 2.0195% | 4,210 |
| Efficiency ratio | 82.2779% | 2,566 |
| Assets per employee ($millions) | 4.5928% | 2,778 |
| Cash dividends to net income (ytd only)* | 153.0383% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9403% | 2,167 |
| Loan loss allowance to noncurrent loans | 39.2468% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 6.1926% | 902 |
| Noncurrent loans to loans | 4.9439% | 1,373 |
| Net loans and leases to total assets | 63.7002% | 4,654 |
| Net loans and leases to deposits | 74.6934% | 4,924 |
| Net loans and leases to core deposits | 93.5144% | 4,725 |
| Total domestic deposits to total assets | 85.2823% | 3,418 |
| Equity capital to assets | 9.7168% | 4,127 |
| Core capital (leverage) ratio | 9.7945% | 3,328 |
| Tier 1 risk-based capital ratio | 12.5024% | 4,524 |
| Total risk-based capital ratio | 13.7572% | 4,467 |
| Memoranda: | ||
| Average total assets | $900,270,000 | 749 |
| Average earning assets | $795,908,200 | 767 |
| Average equity | $89,801,600 | 722 |
| Average total loans | $618,123,400 | 755 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4958% | 4,437 |
| Cost of funding earning assets | 1.1588% | 7,006 |
| Net interest margin | 4.3371% | 1,625 |
| Noninterest income to average assets | 0.6680% | 3,233 |
| Noninterest expense to average assets | 3.6906% | 1,843 |
| Loan and lease loss provision to assets | 0.5870% | 3,038 |
| Net operating income to assets | 0.2447% | 5,011 |
| Return on assets (ROA) | 0.3530% | 4,678 |
| Pretax return on assets | 0.3530% | 4,919 |
| Return on Equity (ROE) | 3.5141% | 4,570 |
| Retained earnings to average equity (ytd only) | -2.6026% | 5,841 |
| Net charge-offs to loans | 0.4799% | 3,309 |
| Credit loss provision to net charge-offs | 175.5856% | 2,630 |
| Earnings coverage of net charge-offs (x) | 2.4878% | 3,987 |
| Efficiency ratio | 81.6084% | 2,634 |
| Assets per employee ($millions) | 4.3687% | 3,089 |
| Cash dividends to net income (ytd only)* | 174.0610% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9686% | 1,870 |
| Loan loss allowance to noncurrent loans | 32.1318% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 7.1503% | 657 |
| Noncurrent loans to loans | 6.1266% | 952 |
| Net loans and leases to total assets | 64.7320% | 4,704 |
| Net loans and leases to deposits | 75.8371% | 5,077 |
| Net loans and leases to core deposits | 93.5404% | 5,067 |
| Total domestic deposits to total assets | 85.3566% | 3,048 |
| Equity capital to assets | 10.0196% | 4,062 |
| Core capital (leverage) ratio | 10.1146% | 3,156 |
| Tier 1 risk-based capital ratio | 12.4737% | 4,562 |
| Total risk-based capital ratio | 13.7285% | 4,512 |
| Memoranda: | ||
| Average total assets | $885,361,750 | 770 |
| Average earning assets | $786,805,250 | 795 |
| Average equity | $88,934,000 | 737 |
| Average total loans | $616,764,500 | 778 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5522% | 4,328 |
| Cost of funding earning assets | 1.1584% | 7,221 |
| Net interest margin | 4.3938% | 1,423 |
| Noninterest income to average assets | 0.6458% | 3,375 |
| Noninterest expense to average assets | 3.7670% | 1,709 |
| Loan and lease loss provision to assets | 0.2914% | 4,242 |
| Net operating income to assets | 0.5081% | 4,056 |
| Return on assets (ROA) | 0.5122% | 4,160 |
| Pretax return on assets | 0.5122% | 4,577 |
| Return on Equity (ROE) | 5.0949% | 4,038 |
| Retained earnings to average equity (ytd only) | -1.5566% | 5,634 |
| Net charge-offs to loans | 0.0878% | 5,320 |
| Credit loss provision to net charge-offs | 467.8967% | 991 |
| Earnings coverage of net charge-offs (x) | 12.8376% | 1,781 |
| Efficiency ratio | 82.4921% | 2,664 |
| Assets per employee ($millions) | 4.1639% | 3,366 |
| Cash dividends to net income (ytd only)* | 130.5518% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8617% | 1,881 |
| Loan loss allowance to noncurrent loans | 23.8848% | 6,908 |
| Noncurrent assets plus other real estate owned to assets | 7.6272% | 515 |
| Noncurrent loans to loans | 7.7945% | 579 |
| Net loans and leases to total assets | 67.8457% | 4,173 |
| Net loans and leases to deposits | 79.6001% | 4,601 |
| Net loans and leases to core deposits | 96.6675% | 4,828 |
| Total domestic deposits to total assets | 85.2331% | 3,145 |
| Equity capital to assets | 9.8229% | 4,187 |
| Core capital (leverage) ratio | 9.6474% | 3,704 |
| Tier 1 risk-based capital ratio | 11.7835% | 5,119 |
| Total risk-based capital ratio | 13.0376% | 5,028 |
| Memoranda: | ||
| Average total assets | $870,301,670 | 809 |
| Average earning assets | $776,596,000 | 823 |
| Average equity | $87,499,670 | 754 |
| Average total loans | $617,534,670 | 796 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6288% | 4,187 |
| Cost of funding earning assets | 1.1394% | 7,444 |
| Net interest margin | 4.4894% | 1,149 |
| Noninterest income to average assets | 0.5796% | 3,692 |
| Noninterest expense to average assets | 3.3202% | 2,599 |
| Loan and lease loss provision to assets | 0.3211% | 3,404 |
| Net operating income to assets | 0.9810% | 2,392 |
| Return on assets (ROA) | 0.9856% | 2,510 |
| Pretax return on assets | 0.9856% | 3,401 |
| Return on Equity (ROE) | 9.6888% | 2,451 |
| Retained earnings to average equity (ytd only) | 3.9868% | 3,682 |
| Net charge-offs to loans | 0.1723% | 3,600 |
| Credit loss provision to net charge-offs | 259.1760% | 1,820 |
| Earnings coverage of net charge-offs (x) | 10.5094% | 1,946 |
| Efficiency ratio | 71.8301% | 4,220 |
| Assets per employee ($millions) | 4.1684% | 3,323 |
| Cash dividends to net income (ytd only)* | 58.8512% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7664% | 1,934 |
| Loan loss allowance to noncurrent loans | 22.2967% | 7,049 |
| Noncurrent assets plus other real estate owned to assets | 8.0883% | 358 |
| Noncurrent loans to loans | 7.9222% | 455 |
| Net loans and leases to total assets | 68.5547% | 4,006 |
| Net loans and leases to deposits | 81.5512% | 4,362 |
| Net loans and leases to core deposits | 97.9108% | 4,752 |
| Total domestic deposits to total assets | 84.0634% | 3,677 |
| Equity capital to assets | 10.0717% | 3,917 |
| Core capital (leverage) ratio | 10.1752% | 3,220 |
| Tier 1 risk-based capital ratio | 11.9289% | 5,021 |
| Total risk-based capital ratio | 13.1818% | 4,926 |
| Memoranda: | ||
| Average total assets | $861,993,000 | 816 |
| Average earning assets | $776,229,000 | 827 |
| Average equity | $87,689,000 | 755 |
| Average total loans | $619,726,500 | 799 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4770% | 3,079 |
| Cost of funding earning assets | 1.6176% | 7,411 |
| Net interest margin | 4.8593% | 690 |
| Noninterest income to average assets | 0.6793% | 3,255 |
| Noninterest expense to average assets | 3.5668% | 2,226 |
| Loan and lease loss provision to assets | 0.4928% | 2,849 |
| Net operating income to assets | 0.9837% | 2,614 |
| Return on assets (ROA) | 0.4832% | 4,634 |
| Pretax return on assets | 0.4832% | 5,025 |
| Return on Equity (ROE) | 4.8984% | 4,430 |
| Retained earnings to average equity (ytd only) | -2.8960% | 6,084 |
| Net charge-offs to loans | 0.2688% | 3,609 |
| Credit loss provision to net charge-offs | 264.1148% | 1,754 |
| Earnings coverage of net charge-offs (x) | 7.9127% | 2,994 |
| Efficiency ratio | 70.7236% | 4,192 |
| Assets per employee ($millions) | 3.8560% | 3,843 |
| Cash dividends to net income (ytd only)* | 159.1224% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 2,013 |
| Loan loss allowance to noncurrent loans | 39.2961% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 5.7315% | 544 |
| Noncurrent loans to loans | 4.2370% | 1,149 |
| Net loans and leases to total assets | 72.8557% | 3,397 |
| Net loans and leases to deposits | 86.5462% | 4,025 |
| Net loans and leases to core deposits | 100.6730% | 4,756 |
| Total domestic deposits to total assets | 84.1813% | 3,227 |
| Equity capital to assets | 10.2782% | 3,733 |
| Core capital (leverage) ratio | 9.8372% | 3,602 |
| Tier 1 risk-based capital ratio | 11.8231% | 4,965 |
| Total risk-based capital ratio | 13.0754% | 4,864 |
| Memoranda: | ||
| Average total assets | $896,048,200 | 746 |
| Average earning assets | $804,696,800 | 762 |
| Average equity | $88,396,600 | 755 |
| Average total loans | $621,918,800 | 767 |