Home > Clayton Bank and Trust > Performance and Condition Ratios
Clayton Bank and Trust, 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 | 6.2507% | 97 |
| Cost of funding earning assets | 0.6509% | 1,135 |
| Net interest margin | 5.5998% | 95 |
| Noninterest income to average assets | 0.5863% | 2,529 |
| Noninterest expense to average assets | 1.7975% | 5,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 3.8758% | 59 |
| Return on assets (ROA) | 3.8803% | 59 |
| Pretax return on assets | 4.1436% | 69 |
| Return on Equity (ROE) | 21.6017% | 153 |
| Retained earnings to average equity (ytd only) | 8.4414% | 1,015 |
| Net charge-offs to loans | 0.0438% | 2,324 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 106.3721% | 628 |
| Efficiency ratio | 30.2797% | 5,740 |
| Assets per employee ($millions) | 4.7060% | 2,780 |
| Cash dividends to net income (ytd only)* | 60.9223% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2129% | 429 |
| Loan loss allowance to noncurrent loans | 171.3489% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 1.3495% | 1,191 |
| Noncurrent loans to loans | 1.2915% | 1,488 |
| Net loans and leases to total assets | 87.9002% | 151 |
| Net loans and leases to deposits | 117.9903% | 119 |
| Net loans and leases to core deposits | 128.9258% | 329 |
| Total domestic deposits to total assets | 74.4979% | 5,248 |
| Equity capital to assets | 18.6467% | 281 |
| Core capital (leverage) ratio | 18.4951% | 270 |
| Tier 1 risk-based capital ratio | 17.7966% | 1,924 |
| Total risk-based capital ratio | 19.0547% | 1,876 |
| Memoranda: | ||
| Average total assets | $884,114,670 | 859 |
| Average earning assets | $844,679,670 | 826 |
| Average equity | $158,811,670 | 525 |
| Average total loans | $785,029,330 | 669 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2073% | 98 |
| Cost of funding earning assets | 0.6396% | 1,133 |
| Net interest margin | 5.5676% | 102 |
| Noninterest income to average assets | 0.6017% | 2,407 |
| Noninterest expense to average assets | 1.9044% | 5,231 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 3.7691% | 62 |
| Return on assets (ROA) | 3.7691% | 62 |
| Pretax return on assets | 4.0250% | 79 |
| Return on Equity (ROE) | 21.3869% | 177 |
| Retained earnings to average equity (ytd only) | -5.3787% | 5,408 |
| Net charge-offs to loans | -0.0056% | 4,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.1178% | 5,791 |
| Assets per employee ($millions) | 4.5640% | 3,070 |
| Cash dividends to net income (ytd only)* | 125.1497% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2560% | 436 |
| Loan loss allowance to noncurrent loans | 212.6728% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 1.1596% | 1,522 |
| Noncurrent loans to loans | 1.0608% | 1,932 |
| Net loans and leases to total assets | 86.5519% | 185 |
| Net loans and leases to deposits | 111.5132% | 187 |
| Net loans and leases to core deposits | 125.3843% | 334 |
| Total domestic deposits to total assets | 77.6159% | 5,021 |
| Equity capital to assets | 17.5287% | 336 |
| Core capital (leverage) ratio | 17.5428% | 319 |
| Tier 1 risk-based capital ratio | 17.0848% | 2,158 |
| Total risk-based capital ratio | 18.3435% | 2,107 |
| Memoranda: | ||
| Average total assets | $886,163,500 | 858 |
| Average earning assets | $847,972,000 | 824 |
| Average equity | $156,170,500 | 529 |
| Average total loans | $782,023,000 | 675 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1185% | 108 |
| Cost of funding earning assets | 0.6761% | 927 |
| Net interest margin | 5.4424% | 120 |
| Noninterest income to average assets | 0.5627% | 2,855 |
| Noninterest expense to average assets | 1.9790% | 5,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 3.5144% | 61 |
| Return on assets (ROA) | 3.5144% | 63 |
| Pretax return on assets | 3.7510% | 76 |
| Return on Equity (ROE) | 19.7136% | 221 |
| Retained earnings to average equity (ytd only) | 8.4744% | 711 |
| Net charge-offs to loans | 0.2448% | 1,134 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 18.0029% | 2,002 |
| Efficiency ratio | 34.5045% | 5,843 |
| Assets per employee ($millions) | 4.4345% | 3,214 |
| Cash dividends to net income (ytd only)* | 57.0127% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2663% | 426 |
| Loan loss allowance to noncurrent loans | 200.8065% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 1.2007% | 1,503 |
| Noncurrent loans to loans | 1.1286% | 1,824 |
| Net loans and leases to total assets | 85.9541% | 231 |
| Net loans and leases to deposits | 111.0381% | 202 |
| Net loans and leases to core deposits | 122.2862% | 420 |
| Total domestic deposits to total assets | 77.4095% | 5,061 |
| Equity capital to assets | 17.7176% | 326 |
| Core capital (leverage) ratio | 18.0955% | 277 |
| Tier 1 risk-based capital ratio | 17.4661% | 2,018 |
| Total risk-based capital ratio | 18.7250% | 1,973 |
| Memoranda: | ||
| Average total assets | $839,907,000 | 862 |
| Average earning assets | $797,463,400 | 843 |
| Average equity | $149,734,000 | 529 |
| Average total loans | $714,744,600 | 708 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1655% | 102 |
| Cost of funding earning assets | 0.6881% | 863 |
| Net interest margin | 5.4774% | 119 |
| Noninterest income to average assets | 0.5814% | 2,756 |
| Noninterest expense to average assets | 1.9856% | 5,230 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 3.5419% | 62 |
| Return on assets (ROA) | 3.5419% | 62 |
| Pretax return on assets | 3.7807% | 79 |
| Return on Equity (ROE) | 19.8350% | 249 |
| Retained earnings to average equity (ytd only) | 9.9175% | 590 |
| Net charge-offs to loans | 0.1296% | 1,666 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 34.5847% | 1,357 |
| Efficiency ratio | 34.3897% | 5,906 |
| Assets per employee ($millions) | 4.4301% | 3,193 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5595% | 316 |
| Loan loss allowance to noncurrent loans | 210.9836% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 1.2261% | 1,616 |
| Noncurrent loans to loans | 1.2131% | 1,849 |
| Net loans and leases to total assets | 78.5893% | 1,102 |
| Net loans and leases to deposits | 100.8643% | 648 |
| Net loans and leases to core deposits | 111.8912% | 816 |
| Total domestic deposits to total assets | 77.9159% | 4,927 |
| Equity capital to assets | 17.2265% | 415 |
| Core capital (leverage) ratio | 18.6775% | 250 |
| Tier 1 risk-based capital ratio | 17.9466% | 1,940 |
| Total risk-based capital ratio | 19.2081% | 1,898 |
| Memoranda: | ||
| Average total assets | $828,157,500 | 877 |
| Average earning assets | $783,929,250 | 854 |
| Average equity | $147,883,000 | 535 |
| Average total loans | $698,428,750 | 722 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2504% | 94 |
| Cost of funding earning assets | 0.7121% | 756 |
| Net interest margin | 5.5382% | 106 |
| Noninterest income to average assets | 0.5739% | 2,768 |
| Noninterest expense to average assets | 2.0539% | 5,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 3.5250% | 65 |
| Return on assets (ROA) | 3.5250% | 65 |
| Pretax return on assets | 3.7618% | 79 |
| Return on Equity (ROE) | 19.4803% | 265 |
| Retained earnings to average equity (ytd only) | 4.3109% | 3,181 |
| Net charge-offs to loans | 0.1057% | 1,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 41.5289% | 1,128 |
| Efficiency ratio | 35.2484% | 5,976 |
| Assets per employee ($millions) | 4.1759% | 3,606 |
| Cash dividends to net income (ytd only)* | 77.8706% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6908% | 286 |
| Loan loss allowance to noncurrent loans | 221.4170% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 1.3098% | 1,540 |
| Noncurrent loans to loans | 1.2153% | 1,892 |
| Net loans and leases to total assets | 83.8045% | 437 |
| Net loans and leases to deposits | 109.6658% | 264 |
| Net loans and leases to core deposits | 118.9980% | 540 |
| Total domestic deposits to total assets | 76.4180% | 5,231 |
| Equity capital to assets | 18.0684% | 335 |
| Core capital (leverage) ratio | 18.2568% | 275 |
| Tier 1 risk-based capital ratio | 17.8074% | 1,989 |
| Total risk-based capital ratio | 19.0706% | 1,944 |
| Memoranda: | ||
| Average total assets | $801,485,670 | 903 |
| Average earning assets | $758,579,000 | 884 |
| Average equity | $145,028,670 | 547 |
| Average total loans | $687,080,000 | 728 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3313% | 89 |
| Cost of funding earning assets | 0.7063% | 787 |
| Net interest margin | 5.6250% | 95 |
| Noninterest income to average assets | 0.5351% | 2,899 |
| Noninterest expense to average assets | 2.1403% | 5,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 3.4669% | 71 |
| Return on assets (ROA) | 3.4669% | 70 |
| Pretax return on assets | 3.6955% | 85 |
| Return on Equity (ROE) | 19.1449% | 282 |
| Retained earnings to average equity (ytd only) | -11.5763% | 5,854 |
| Net charge-offs to loans | 0.1549% | 1,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 27.8893% | 1,233 |
| Efficiency ratio | 36.6063% | 6,019 |
| Assets per employee ($millions) | 4.2811% | 3,435 |
| Cash dividends to net income (ytd only)* | 160.4668% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8320% | 263 |
| Loan loss allowance to noncurrent loans | 204.4703% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 1.4669% | 1,406 |
| Noncurrent loans to loans | 1.3851% | 1,721 |
| Net loans and leases to total assets | 82.5788% | 495 |
| Net loans and leases to deposits | 107.4304% | 296 |
| Net loans and leases to core deposits | 117.0782% | 562 |
| Total domestic deposits to total assets | 76.8672% | 5,308 |
| Equity capital to assets | 17.7429% | 351 |
| Core capital (leverage) ratio | 17.7078% | 316 |
| Tier 1 risk-based capital ratio | 17.6826% | 2,076 |
| Total risk-based capital ratio | 18.9472% | 2,035 |
| Memoranda: | ||
| Average total assets | $790,905,500 | 916 |
| Average earning assets | $745,311,500 | 896 |
| Average equity | $143,223,500 | 551 |
| Average total loans | $676,381,000 | 738 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4883% | 79 |
| Cost of funding earning assets | 0.6853% | 885 |
| Net interest margin | 5.8030% | 82 |
| Noninterest income to average assets | 0.6331% | 2,547 |
| Noninterest expense to average assets | 2.3219% | 4,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 3.5172% | 66 |
| Return on assets (ROA) | 3.5173% | 68 |
| Pretax return on assets | 3.7525% | 83 |
| Return on Equity (ROE) | 19.5199% | 275 |
| Retained earnings to average equity (ytd only) | 19.5199% | 66 |
| Net charge-offs to loans | 0.2554% | 1,181 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 17.6813% | 2,058 |
| Efficiency ratio | 38.1530% | 6,088 |
| Assets per employee ($millions) | 3.9875% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8737% | 261 |
| Loan loss allowance to noncurrent loans | 213.5774% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 1.4821% | 1,371 |
| Noncurrent loans to loans | 1.3455% | 1,746 |
| Net loans and leases to total assets | 83.5883% | 426 |
| Net loans and leases to deposits | 111.8451% | 202 |
| Net loans and leases to core deposits | 126.0145% | 336 |
| Total domestic deposits to total assets | 74.7358% | 5,580 |
| Equity capital to assets | 18.4798% | 282 |
| Core capital (leverage) ratio | 19.0744% | 236 |
| Tier 1 risk-based capital ratio | 18.4890% | 1,835 |
| Total risk-based capital ratio | 19.7544% | 1,773 |
| Memoranda: | ||
| Average total assets | $731,779,400 | 942 |
| Average earning assets | $686,140,200 | 931 |
| Average equity | $131,860,600 | 577 |
| Average total loans | $608,181,600 | 762 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2083% | 107 |
| Cost of funding earning assets | 0.6933% | 867 |
| Net interest margin | 5.5150% | 124 |
| Noninterest income to average assets | 0.6513% | 2,473 |
| Noninterest expense to average assets | 2.2767% | 4,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 3.3300% | 75 |
| Return on assets (ROA) | 3.3302% | 73 |
| Pretax return on assets | 3.5540% | 89 |
| Return on Equity (ROE) | 18.6114% | 363 |
| Retained earnings to average equity (ytd only) | 18.6114% | 81 |
| Net charge-offs to loans | 0.2384% | 1,099 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 18.1145% | 2,018 |
| Efficiency ratio | 38.9711% | 6,145 |
| Assets per employee ($millions) | 3.8447% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1504% | 209 |
| Loan loss allowance to noncurrent loans | 151.6787% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 2.2122% | 854 |
| Noncurrent loans to loans | 2.0770% | 1,106 |
| Net loans and leases to total assets | 82.5416% | 523 |
| Net loans and leases to deposits | 112.3321% | 203 |
| Net loans and leases to core deposits | 128.3823% | 301 |
| Total domestic deposits to total assets | 73.4800% | 5,752 |
| Equity capital to assets | 18.5429% | 303 |
| Core capital (leverage) ratio | 18.8536% | 251 |
| Tier 1 risk-based capital ratio | 18.6665% | 1,859 |
| Total risk-based capital ratio | 19.9348% | 1,816 |
| Memoranda: | ||
| Average total assets | $718,341,750 | 970 |
| Average earning assets | $674,608,000 | 957 |
| Average equity | $128,534,750 | 595 |
| Average total loans | $591,217,500 | 792 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1823% | 108 |
| Cost of funding earning assets | 0.7013% | 839 |
| Net interest margin | 5.4809% | 128 |
| Noninterest income to average assets | 0.6509% | 2,472 |
| Noninterest expense to average assets | 2.2766% | 4,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 3.3137% | 78 |
| Return on assets (ROA) | 3.3137% | 81 |
| Pretax return on assets | 3.5355% | 93 |
| Return on Equity (ROE) | 18.7562% | 355 |
| Retained earnings to average equity (ytd only) | 18.7562% | 88 |
| Net charge-offs to loans | 0.3311% | 796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.1370% | 2,156 |
| Efficiency ratio | 39.0923% | 6,220 |
| Assets per employee ($millions) | 3.6163% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3704% | 182 |
| Loan loss allowance to noncurrent loans | 139.4623% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 2.4883% | 764 |
| Noncurrent loans to loans | 2.4167% | 934 |
| Net loans and leases to total assets | 80.5838% | 728 |
| Net loans and leases to deposits | 106.3860% | 364 |
| Net loans and leases to core deposits | 118.6804% | 504 |
| Total domestic deposits to total assets | 75.7466% | 5,627 |
| Equity capital to assets | 18.3997% | 303 |
| Core capital (leverage) ratio | 18.0420% | 287 |
| Tier 1 risk-based capital ratio | 18.8151% | 1,838 |
| Total risk-based capital ratio | 20.0856% | 1,802 |
| Memoranda: | ||
| Average total assets | $710,448,670 | 981 |
| Average earning assets | $669,010,000 | 967 |
| Average equity | $125,515,670 | 612 |
| Average total loans | $577,490,330 | 811 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0004% | 128 |
| Cost of funding earning assets | 0.6915% | 886 |
| Net interest margin | 5.3089% | 153 |
| Noninterest income to average assets | 0.6100% | 2,594 |
| Noninterest expense to average assets | 2.2101% | 5,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 3.1900% | 83 |
| Return on assets (ROA) | 3.1900% | 86 |
| Pretax return on assets | 3.3998% | 110 |
| Return on Equity (ROE) | 18.4402% | 356 |
| Retained earnings to average equity (ytd only) | 18.4402% | 133 |
| Net charge-offs to loans | 0.2446% | 977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 17.3276% | 1,529 |
| Efficiency ratio | 39.3166% | 6,279 |
| Assets per employee ($millions) | 3.6257% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5873% | 172 |
| Loan loss allowance to noncurrent loans | 134.0350% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 2.6921% | 751 |
| Noncurrent loans to loans | 2.6764% | 886 |
| Net loans and leases to total assets | 78.0292% | 924 |
| Net loans and leases to deposits | 101.9078% | 462 |
| Net loans and leases to core deposits | 109.5105% | 769 |
| Total domestic deposits to total assets | 76.5684% | 5,680 |
| Equity capital to assets | 17.6860% | 355 |
| Core capital (leverage) ratio | 17.6201% | 313 |
| Tier 1 risk-based capital ratio | 18.8875% | 1,903 |
| Total risk-based capital ratio | 20.1609% | 1,858 |
| Memoranda: | ||
| Average total assets | $709,463,500 | 980 |
| Average earning assets | $668,159,500 | 962 |
| Average equity | $122,732,000 | 621 |
| Average total loans | $569,176,500 | 821 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3495% | 101 |
| Cost of funding earning assets | 0.6654% | 1,297 |
| Net interest margin | 5.6842% | 101 |
| Noninterest income to average assets | 0.5812% | 2,978 |
| Noninterest expense to average assets | 2.4026% | 4,838 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 3.2927% | 79 |
| Return on assets (ROA) | 3.2927% | 79 |
| Pretax return on assets | 3.5114% | 82 |
| Return on Equity (ROE) | 19.0598% | 310 |
| Retained earnings to average equity (ytd only) | 10.4398% | 452 |
| Net charge-offs to loans | 0.1804% | 2,223 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 23.8423% | 1,563 |
| Efficiency ratio | 40.3435% | 6,393 |
| Assets per employee ($millions) | 3.5593% | 4,797 |
| Cash dividends to net income (ytd only)* | 45.2264% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7250% | 159 |
| Loan loss allowance to noncurrent loans | 131.8585% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 2.8234% | 754 |
| Noncurrent loans to loans | 2.8250% | 824 |
| Net loans and leases to total assets | 76.5557% | 1,185 |
| Net loans and leases to deposits | 99.1285% | 675 |
| Net loans and leases to core deposits | 107.1983% | 943 |
| Total domestic deposits to total assets | 77.2287% | 5,565 |
| Equity capital to assets | 16.9112% | 429 |
| Core capital (leverage) ratio | 17.0663% | 359 |
| Tier 1 risk-based capital ratio | 18.8800% | 1,883 |
| Total risk-based capital ratio | 20.1561% | 1,839 |
| Memoranda: | ||
| Average total assets | $671,524,400 | 992 |
| Average earning assets | $630,014,000 | 975 |
| Average equity | $116,008,400 | 625 |
| Average total loans | $548,074,400 | 804 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3891% | 99 |
| Cost of funding earning assets | 0.6640% | 1,364 |
| Net interest margin | 5.7250% | 101 |
| Noninterest income to average assets | 0.6319% | 2,677 |
| Noninterest expense to average assets | 2.4581% | 4,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 3.3201% | 80 |
| Return on assets (ROA) | 3.3201% | 81 |
| Pretax return on assets | 3.5417% | 85 |
| Return on Equity (ROE) | 19.1110% | 339 |
| Retained earnings to average equity (ytd only) | 19.1110% | 83 |
| Net charge-offs to loans | 0.1639% | 2,160 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 26.2989% | 1,486 |
| Efficiency ratio | 40.6878% | 6,440 |
| Assets per employee ($millions) | 3.4816% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8011% | 184 |
| Loan loss allowance to noncurrent loans | 115.2847% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 3.3196% | 661 |
| Noncurrent loans to loans | 3.2971% | 757 |
| Net loans and leases to total assets | 80.2236% | 692 |
| Net loans and leases to deposits | 106.8956% | 295 |
| Net loans and leases to core deposits | 116.9264% | 468 |
| Total domestic deposits to total assets | 75.0486% | 5,919 |
| Equity capital to assets | 18.4431% | 306 |
| Core capital (leverage) ratio | 18.5879% | 272 |
| Tier 1 risk-based capital ratio | 20.0119% | 1,671 |
| Total risk-based capital ratio | 21.2895% | 1,633 |
| Memoranda: | ||
| Average total assets | $662,332,500 | 1,021 |
| Average earning assets | $621,023,750 | 996 |
| Average equity | $115,065,250 | 625 |
| Average total loans | $544,288,500 | 812 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3079% | 102 |
| Cost of funding earning assets | 0.6777% | 1,321 |
| Net interest margin | 5.6301% | 112 |
| Noninterest income to average assets | 0.5738% | 2,967 |
| Noninterest expense to average assets | 2.4669% | 4,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 3.1384% | 86 |
| Return on assets (ROA) | 3.1384% | 89 |
| Pretax return on assets | 3.3802% | 91 |
| Return on Equity (ROE) | 18.4515% | 414 |
| Retained earnings to average equity (ytd only) | 18.4515% | 115 |
| Net charge-offs to loans | 0.1570% | 2,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 26.3357% | 1,378 |
| Efficiency ratio | 41.8993% | 6,483 |
| Assets per employee ($millions) | 3.3901% | 5,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0384% | 169 |
| Loan loss allowance to noncurrent loans | 122.3718% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 3.2848% | 740 |
| Noncurrent loans to loans | 3.3001% | 843 |
| Net loans and leases to total assets | 79.4863% | 743 |
| Net loans and leases to deposits | 102.3632% | 426 |
| Net loans and leases to core deposits | 115.8525% | 478 |
| Total domestic deposits to total assets | 77.6512% | 5,697 |
| Equity capital to assets | 18.2834% | 313 |
| Core capital (leverage) ratio | 17.8359% | 304 |
| Tier 1 risk-based capital ratio | 20.0319% | 1,675 |
| Total risk-based capital ratio | 21.3123% | 1,645 |
| Memoranda: | ||
| Average total assets | $659,124,330 | 1,025 |
| Average earning assets | $617,357,000 | 1,005 |
| Average equity | $112,110,330 | 640 |
| Average total loans | $538,928,670 | 810 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2465% | 108 |
| Cost of funding earning assets | 0.6889% | 1,310 |
| Net interest margin | 5.5576% | 121 |
| Noninterest income to average assets | 0.5004% | 3,406 |
| Noninterest expense to average assets | 2.3965% | 4,935 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 3.1010% | 94 |
| Return on assets (ROA) | 3.1010% | 96 |
| Pretax return on assets | 3.3074% | 116 |
| Return on Equity (ROE) | 18.9162% | 372 |
| Retained earnings to average equity (ytd only) | 18.9162% | 148 |
| Net charge-offs to loans | 0.3537% | 1,011 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.5073% | 1,778 |
| Efficiency ratio | 41.7210% | 6,558 |
| Assets per employee ($millions) | 3.3747% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9545% | 198 |
| Loan loss allowance to noncurrent loans | 178.6664% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 2.3978% | 1,354 |
| Noncurrent loans to loans | 2.2133% | 1,637 |
| Net loans and leases to total assets | 79.7235% | 583 |
| Net loans and leases to deposits | 101.0683% | 398 |
| Net loans and leases to core deposits | 114.8120% | 436 |
| Total domestic deposits to total assets | 78.8808% | 5,704 |
| Equity capital to assets | 17.1150% | 387 |
| Core capital (leverage) ratio | 16.8521% | 381 |
| Tier 1 risk-based capital ratio | 18.6198% | 2,088 |
| Total risk-based capital ratio | 19.8989% | 2,037 |
| Memoranda: | ||
| Average total assets | $666,626,000 | 1,024 |
| Average earning assets | $624,157,000 | 997 |
| Average equity | $109,282,000 | 660 |
| Average total loans | $541,626,000 | 812 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7604% | 74 |
| Cost of funding earning assets | 0.7930% | 1,250 |
| Net interest margin | 5.9674% | 85 |
| Noninterest income to average assets | 0.8610% | 1,824 |
| Noninterest expense to average assets | 2.3642% | 5,187 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 3.8309% | 67 |
| Return on assets (ROA) | 3.8309% | 67 |
| Pretax return on assets | 4.0873% | 71 |
| Return on Equity (ROE) | 25.2094% | 121 |
| Retained earnings to average equity (ytd only) | 9.3121% | 704 |
| Net charge-offs to loans | 0.1310% | 3,501 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 39.2387% | 968 |
| Efficiency ratio | 36.3378% | 6,731 |
| Assets per employee ($millions) | 3.4445% | 5,003 |
| Cash dividends to net income (ytd only)* | 63.0611% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0697% | 194 |
| Loan loss allowance to noncurrent loans | 175.0797% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 2.2649% | 1,568 |
| Noncurrent loans to loans | 2.3245% | 1,654 |
| Net loans and leases to total assets | 76.3160% | 1,030 |
| Net loans and leases to deposits | 98.4139% | 569 |
| Net loans and leases to core deposits | 111.4396% | 559 |
| Total domestic deposits to total assets | 77.5459% | 5,894 |
| Equity capital to assets | 15.6970% | 570 |
| Core capital (leverage) ratio | 15.6551% | 519 |
| Tier 1 risk-based capital ratio | 17.8542% | 2,288 |
| Total risk-based capital ratio | 19.1347% | 2,246 |
| Memoranda: | ||
| Average total assets | $703,694,400 | 939 |
| Average earning assets | $659,247,600 | 913 |
| Average equity | $106,936,400 | 662 |
| Average total loans | $559,658,800 | 749 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8769% | 67 |
| Cost of funding earning assets | 0.8133% | 1,253 |
| Net interest margin | 6.0636% | 80 |
| Noninterest income to average assets | 0.6622% | 2,814 |
| Noninterest expense to average assets | 2.1683% | 5,686 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 3.9148% | 64 |
| Return on assets (ROA) | 3.9148% | 63 |
| Pretax return on assets | 4.1784% | 72 |
| Return on Equity (ROE) | 25.9655% | 105 |
| Retained earnings to average equity (ytd only) | 19.7376% | 83 |
| Net charge-offs to loans | 0.1726% | 2,843 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 30.4378% | 1,228 |
| Efficiency ratio | 33.8354% | 6,815 |
| Assets per employee ($millions) | 3.5149% | 4,817 |
| Cash dividends to net income (ytd only)* | 23.9854% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0250% | 234 |
| Loan loss allowance to noncurrent loans | 162.6277% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 2.4445% | 1,584 |
| Noncurrent loans to loans | 2.4750% | 1,758 |
| Net loans and leases to total assets | 75.6594% | 1,050 |
| Net loans and leases to deposits | 95.9318% | 691 |
| Net loans and leases to core deposits | 108.2132% | 657 |
| Total domestic deposits to total assets | 78.8679% | 5,767 |
| Equity capital to assets | 16.2781% | 502 |
| Core capital (leverage) ratio | 16.2799% | 458 |
| Tier 1 risk-based capital ratio | 18.6354% | 2,103 |
| Total risk-based capital ratio | 19.9154% | 2,061 |
| Memoranda: | ||
| Average total assets | $709,977,250 | 938 |
| Average earning assets | $665,591,000 | 911 |
| Average equity | $107,042,000 | 668 |
| Average total loans | $564,618,250 | 737 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9301% | 62 |
| Cost of funding earning assets | 0.8280% | 1,273 |
| Net interest margin | 6.1022% | 71 |
| Noninterest income to average assets | 0.7119% | 2,581 |
| Noninterest expense to average assets | 2.1321% | 5,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 4.0270% | 60 |
| Return on assets (ROA) | 4.0270% | 65 |
| Pretax return on assets | 4.2983% | 74 |
| Return on Equity (ROE) | 27.4140% | 92 |
| Retained earnings to average equity (ytd only) | 27.4140% | 40 |
| Net charge-offs to loans | 0.3220% | 1,894 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 16.7399% | 1,644 |
| Efficiency ratio | 32.8221% | 6,862 |
| Assets per employee ($millions) | 3.7659% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7323% | 309 |
| Loan loss allowance to noncurrent loans | 106.0464% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 3.4480% | 1,124 |
| Noncurrent loans to loans | 3.5195% | 1,200 |
| Net loans and leases to total assets | 78.1122% | 737 |
| Net loans and leases to deposits | 98.9260% | 487 |
| Net loans and leases to core deposits | 105.6385% | 754 |
| Total domestic deposits to total assets | 78.9603% | 5,808 |
| Equity capital to assets | 15.4745% | 622 |
| Core capital (leverage) ratio | 15.5806% | 508 |
| Tier 1 risk-based capital ratio | 17.5577% | 2,493 |
| Total risk-based capital ratio | 18.8352% | 2,450 |
| Memoranda: | ||
| Average total assets | $715,822,670 | 934 |
| Average earning assets | $670,810,330 | 904 |
| Average equity | $105,150,670 | 681 |
| Average total loans | $570,868,330 | 731 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9940% | 63 |
| Cost of funding earning assets | 0.8412% | 1,301 |
| Net interest margin | 6.1528% | 66 |
| Noninterest income to average assets | 0.7226% | 2,468 |
| Noninterest expense to average assets | 2.2053% | 5,676 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 3.9911% | 61 |
| Return on assets (ROA) | 3.9911% | 64 |
| Pretax return on assets | 4.2779% | 77 |
| Return on Equity (ROE) | 27.9212% | 93 |
| Retained earnings to average equity (ytd only) | 27.9212% | 53 |
| Net charge-offs to loans | 0.3763% | 1,513 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 14.3823% | 1,456 |
| Efficiency ratio | 34.0159% | 6,936 |
| Assets per employee ($millions) | 3.8788% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9048% | 312 |
| Loan loss allowance to noncurrent loans | 123.9365% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 3.0297% | 1,479 |
| Noncurrent loans to loans | 3.1506% | 1,569 |
| Net loans and leases to total assets | 76.8682% | 734 |
| Net loans and leases to deposits | 96.4351% | 516 |
| Net loans and leases to core deposits | 102.9578% | 775 |
| Total domestic deposits to total assets | 79.7098% | 5,818 |
| Equity capital to assets | 14.8568% | 792 |
| Core capital (leverage) ratio | 14.3773% | 698 |
| Tier 1 risk-based capital ratio | 16.8169% | 2,851 |
| Total risk-based capital ratio | 18.0964% | 2,802 |
| Memoranda: | ||
| Average total assets | $714,090,000 | 946 |
| Average earning assets | $668,569,500 | 910 |
| Average equity | $102,073,000 | 714 |
| Average total loans | $564,485,000 | 742 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0464% | 73 |
| Cost of funding earning assets | 1.0142% | 1,280 |
| Net interest margin | 6.0322% | 84 |
| Noninterest income to average assets | 0.7700% | 2,392 |
| Noninterest expense to average assets | 2.3175% | 5,643 |
| Loan and lease loss provision to assets | 0.8530% | 550 |
| Net operating income to assets | 3.0689% | 94 |
| Return on assets (ROA) | 3.0689% | 98 |
| Pretax return on assets | 3.2738% | 119 |
| Return on Equity (ROE) | 22.1266% | 214 |
| Retained earnings to average equity (ytd only) | 11.6266% | 360 |
| Net charge-offs to loans | 0.6566% | 1,792 |
| Credit loss provision to net charge-offs | 167.8223% | 1,580 |
| Earnings coverage of net charge-offs (x) | 8.1195% | 2,469 |
| Efficiency ratio | 35.6904% | 6,993 |
| Assets per employee ($millions) | 3.5740% | 4,844 |
| Cash dividends to net income (ytd only)* | 47.4541% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0454% | 277 |
| Loan loss allowance to noncurrent loans | 120.9483% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 3.1384% | 1,492 |
| Noncurrent loans to loans | 3.3448% | 1,524 |
| Net loans and leases to total assets | 74.9584% | 1,058 |
| Net loans and leases to deposits | 94.4912% | 719 |
| Net loans and leases to core deposits | 100.8798% | 972 |
| Total domestic deposits to total assets | 79.3284% | 5,815 |
| Equity capital to assets | 13.7382% | 1,137 |
| Core capital (leverage) ratio | 12.7561% | 1,218 |
| Tier 1 risk-based capital ratio | 16.0968% | 3,109 |
| Total risk-based capital ratio | 17.3787% | 3,043 |
| Memoranda: | ||
| Average total assets | $686,656,400 | 956 |
| Average earning assets | $645,916,600 | 932 |
| Average equity | $95,238,400 | 743 |
| Average total loans | $531,527,600 | 777 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1882% | 74 |
| Cost of funding earning assets | 1.0513% | 1,275 |
| Net interest margin | 6.1369% | 79 |
| Noninterest income to average assets | 0.5701% | 3,469 |
| Noninterest expense to average assets | 2.1986% | 5,954 |
| Loan and lease loss provision to assets | 1.1506% | 324 |
| Net operating income to assets | 2.8644% | 116 |
| Return on assets (ROA) | 2.8729% | 120 |
| Pretax return on assets | 3.0161% | 152 |
| Return on Equity (ROE) | 20.6616% | 298 |
| Retained earnings to average equity (ytd only) | 20.6616% | 77 |
| Net charge-offs to loans | 0.8214% | 1,333 |
| Credit loss provision to net charge-offs | 181.3874% | 1,534 |
| Earnings coverage of net charge-offs (x) | 6.5547% | 2,764 |
| Efficiency ratio | 34.3944% | 7,088 |
| Assets per employee ($millions) | 3.6940% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1480% | 274 |
| Loan loss allowance to noncurrent loans | 161.7270% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 2.4688% | 2,141 |
| Noncurrent loans to loans | 2.5648% | 2,227 |
| Net loans and leases to total assets | 74.0418% | 1,242 |
| Net loans and leases to deposits | 92.3797% | 932 |
| Net loans and leases to core deposits | 100.1563% | 1,107 |
| Total domestic deposits to total assets | 80.1494% | 5,612 |
| Equity capital to assets | 14.3422% | 1,023 |
| Core capital (leverage) ratio | 13.2497% | 1,085 |
| Tier 1 risk-based capital ratio | 16.9360% | 2,767 |
| Total risk-based capital ratio | 18.2190% | 2,708 |
| Memoranda: | ||
| Average total assets | $678,729,500 | 973 |
| Average earning assets | $639,941,000 | 948 |
| Average equity | $94,375,500 | 752 |
| Average total loans | $524,115,500 | 790 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7480% | 105 |
| Cost of funding earning assets | 1.0481% | 1,477 |
| Net interest margin | 5.6999% | 133 |
| Noninterest income to average assets | 0.5594% | 3,528 |
| Noninterest expense to average assets | 2.0216% | 6,390 |
| Loan and lease loss provision to assets | 1.4583% | 257 |
| Net operating income to assets | 2.3012% | 240 |
| Return on assets (ROA) | 2.3012% | 269 |
| Pretax return on assets | 2.4564% | 315 |
| Return on Equity (ROE) | 16.7384% | 673 |
| Retained earnings to average equity (ytd only) | 16.7384% | 193 |
| Net charge-offs to loans | 1.1433% | 947 |
| Credit loss provision to net charge-offs | 165.2041% | 1,687 |
| Earnings coverage of net charge-offs (x) | 4.4347% | 3,086 |
| Efficiency ratio | 33.8425% | 7,141 |
| Assets per employee ($millions) | 4.3348% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0420% | 331 |
| Loan loss allowance to noncurrent loans | 130.1667% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 2.7335% | 2,016 |
| Noncurrent loans to loans | 3.1053% | 1,891 |
| Net loans and leases to total assets | 70.4427% | 1,839 |
| Net loans and leases to deposits | 85.8079% | 1,627 |
| Net loans and leases to core deposits | 93.1336% | 1,673 |
| Total domestic deposits to total assets | 82.0935% | 5,091 |
| Equity capital to assets | 12.7464% | 1,661 |
| Core capital (leverage) ratio | 14.9742% | 604 |
| Tier 1 risk-based capital ratio | 15.8446% | 3,250 |
| Total risk-based capital ratio | 17.1264% | 3,197 |
| Memoranda: | ||
| Average total assets | $666,096,670 | 990 |
| Average earning assets | $628,360,670 | 963 |
| Average equity | $91,574,000 | 762 |
| Average total loans | $514,298,670 | 811 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7494% | 55 |
| Cost of funding earning assets | 1.1651% | 1,127 |
| Net interest margin | 6.5842% | 65 |
| Noninterest income to average assets | 0.4422% | 4,355 |
| Noninterest expense to average assets | 2.1692% | 6,116 |
| Loan and lease loss provision to assets | 2.1833% | 128 |
| Net operating income to assets | 2.2417% | 267 |
| Return on assets (ROA) | 2.2417% | 320 |
| Pretax return on assets | 2.3256% | 438 |
| Return on Equity (ROE) | 15.6218% | 864 |
| Retained earnings to average equity (ytd only) | 15.6218% | 399 |
| Net charge-offs to loans | 1.9670% | 482 |
| Credit loss provision to net charge-offs | 139.6311% | 1,762 |
| Earnings coverage of net charge-offs (x) | 2.8836% | 3,024 |
| Efficiency ratio | 32.2810% | 7,218 |
| Assets per employee ($millions) | 3.6234% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3825% | 268 |
| Loan loss allowance to noncurrent loans | 174.4778% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 2.2740% | 2,620 |
| Noncurrent loans to loans | 2.5118% | 2,597 |
| Net loans and leases to total assets | 75.0103% | 919 |
| Net loans and leases to deposits | 95.2950% | 583 |
| Net loans and leases to core deposits | 105.8857% | 678 |
| Total domestic deposits to total assets | 78.7138% | 6,144 |
| Equity capital to assets | 14.7450% | 794 |
| Core capital (leverage) ratio | 14.1267% | 772 |
| Tier 1 risk-based capital ratio | 17.3015% | 2,552 |
| Total risk-based capital ratio | 18.5877% | 2,507 |
| Memoranda: | ||
| Average total assets | $624,183,000 | 1,066 |
| Average earning assets | $591,170,500 | 1,022 |
| Average equity | $89,567,000 | 775 |
| Average total loans | $496,188,500 | 836 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5117% | 178 |
| Cost of funding earning assets | 1.4020% | 1,032 |
| Net interest margin | 5.1097% | 335 |
| Noninterest income to average assets | 0.4074% | 4,560 |
| Noninterest expense to average assets | 1.9186% | 6,804 |
| Loan and lease loss provision to assets | 1.7371% | 385 |
| Net operating income to assets | 1.4862% | 856 |
| Return on assets (ROA) | 1.4865% | 926 |
| Pretax return on assets | 1.5818% | 1,249 |
| Return on Equity (ROE) | 11.1791% | 1,653 |
| Retained earnings to average equity (ytd only) | 4.8196% | 2,772 |
| Net charge-offs to loans | 1.7271% | 877 |
| Credit loss provision to net charge-offs | 124.6140% | 2,519 |
| Earnings coverage of net charge-offs (x) | 2.3807% | 4,024 |
| Efficiency ratio | 36.3850% | 7,250 |
| Assets per employee ($millions) | 3.6345% | 4,697 |
| Cash dividends to net income (ytd only)* | 56.8873% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0163% | 379 |
| Loan loss allowance to noncurrent loans | 166.9540% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 1.9952% | 2,969 |
| Noncurrent loans to loans | 2.4056% | 2,720 |
| Net loans and leases to total assets | 77.2904% | 794 |
| Net loans and leases to deposits | 97.1297% | 619 |
| Net loans and leases to core deposits | 109.0121% | 653 |
| Total domestic deposits to total assets | 79.5744% | 5,850 |
| Equity capital to assets | 13.9597% | 1,078 |
| Core capital (leverage) ratio | 13.0374% | 1,123 |
| Tier 1 risk-based capital ratio | 16.0343% | 3,026 |
| Total risk-based capital ratio | 17.3166% | 2,968 |
| Memoranda: | ||
| Average total assets | $650,512,200 | 993 |
| Average earning assets | $614,892,000 | 956 |
| Average equity | $86,500,400 | 778 |
| Average total loans | $525,027,600 | 793 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4721% | 201 |
| Cost of funding earning assets | 1.4402% | 1,065 |
| Net interest margin | 5.0319% | 388 |
| Noninterest income to average assets | 0.3730% | 4,886 |
| Noninterest expense to average assets | 1.8936% | 6,853 |
| Loan and lease loss provision to assets | 1.7452% | 353 |
| Net operating income to assets | 1.4009% | 1,145 |
| Return on assets (ROA) | 1.4013% | 1,229 |
| Pretax return on assets | 1.4907% | 1,677 |
| Return on Equity (ROE) | 10.6655% | 1,967 |
| Retained earnings to average equity (ytd only) | 10.6655% | 691 |
| Net charge-offs to loans | 1.0051% | 1,601 |
| Credit loss provision to net charge-offs | 215.0263% | 1,341 |
| Earnings coverage of net charge-offs (x) | 3.9865% | 3,225 |
| Efficiency ratio | 36.6648% | 7,309 |
| Assets per employee ($millions) | 3.8643% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3432% | 299 |
| Loan loss allowance to noncurrent loans | 99.3260% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 4.0137% | 1,529 |
| Noncurrent loans to loans | 4.3726% | 1,490 |
| Net loans and leases to total assets | 76.0920% | 965 |
| Net loans and leases to deposits | 95.4202% | 733 |
| Net loans and leases to core deposits | 109.6297% | 691 |
| Total domestic deposits to total assets | 79.7441% | 5,814 |
| Equity capital to assets | 13.8423% | 1,231 |
| Core capital (leverage) ratio | 13.4917% | 1,049 |
| Tier 1 risk-based capital ratio | 16.1230% | 3,054 |
| Total risk-based capital ratio | 17.4093% | 2,997 |
| Memoranda: | ||
| Average total assets | $655,948,750 | 995 |
| Average earning assets | $619,998,750 | 963 |
| Average equity | $86,182,000 | 786 |
| Average total loans | $529,706,750 | 800 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5130% | 199 |
| Cost of funding earning assets | 1.4735% | 1,098 |
| Net interest margin | 5.0395% | 374 |
| Noninterest income to average assets | 0.3203% | 5,337 |
| Noninterest expense to average assets | 1.8779% | 6,975 |
| Loan and lease loss provision to assets | 1.6723% | 409 |
| Net operating income to assets | 1.4399% | 998 |
| Return on assets (ROA) | 1.4402% | 1,056 |
| Pretax return on assets | 1.5320% | 1,428 |
| Return on Equity (ROE) | 11.1610% | 1,740 |
| Retained earnings to average equity (ytd only) | 11.1610% | 638 |
| Net charge-offs to loans | 1.4610% | 1,027 |
| Credit loss provision to net charge-offs | 141.0342% | 2,161 |
| Earnings coverage of net charge-offs (x) | 2.7021% | 3,489 |
| Efficiency ratio | 36.6949% | 7,379 |
| Assets per employee ($millions) | 4.0232% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7531% | 491 |
| Loan loss allowance to noncurrent loans | 110.0017% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 3.2749% | 2,040 |
| Noncurrent loans to loans | 3.4118% | 2,079 |
| Net loans and leases to total assets | 77.0311% | 915 |
| Net loans and leases to deposits | 96.1740% | 714 |
| Net loans and leases to core deposits | 111.9735% | 651 |
| Total domestic deposits to total assets | 80.0956% | 5,795 |
| Equity capital to assets | 13.4060% | 1,337 |
| Core capital (leverage) ratio | 13.0597% | 1,135 |
| Tier 1 risk-based capital ratio | 15.2180% | 3,387 |
| Total risk-based capital ratio | 16.4960% | 3,335 |
| Memoranda: | ||
| Average total assets | $655,621,670 | 1,003 |
| Average earning assets | $619,467,000 | 968 |
| Average equity | $84,598,000 | 799 |
| Average total loans | $532,086,670 | 807 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5765% | 186 |
| Cost of funding earning assets | 1.4889% | 1,214 |
| Net interest margin | 5.0876% | 314 |
| Noninterest income to average assets | 0.2898% | 5,592 |
| Noninterest expense to average assets | 1.9355% | 6,926 |
| Loan and lease loss provision to assets | 1.6774% | 361 |
| Net operating income to assets | 1.4181% | 1,035 |
| Return on assets (ROA) | 1.4181% | 1,069 |
| Pretax return on assets | 1.4870% | 1,486 |
| Return on Equity (ROE) | 11.2081% | 1,675 |
| Retained earnings to average equity (ytd only) | 11.2081% | 861 |
| Net charge-offs to loans | 1.8958% | 678 |
| Credit loss provision to net charge-offs | 108.2710% | 2,464 |
| Earnings coverage of net charge-offs (x) | 2.0425% | 3,279 |
| Efficiency ratio | 37.7004% | 7,422 |
| Assets per employee ($millions) | 3.9315% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4908% | 607 |
| Loan loss allowance to noncurrent loans | 115.8537% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 2.9572% | 2,334 |
| Noncurrent loans to loans | 3.0131% | 2,498 |
| Net loans and leases to total assets | 76.6542% | 935 |
| Net loans and leases to deposits | 95.1453% | 740 |
| Net loans and leases to core deposits | 113.6888% | 609 |
| Total domestic deposits to total assets | 80.5654% | 5,798 |
| Equity capital to assets | 12.7526% | 1,498 |
| Core capital (leverage) ratio | 12.6066% | 1,279 |
| Tier 1 risk-based capital ratio | 14.8315% | 3,521 |
| Total risk-based capital ratio | 16.1067% | 3,465 |
| Memoranda: | ||
| Average total assets | $655,543,000 | 1,014 |
| Average earning assets | $619,780,500 | 977 |
| Average equity | $82,940,000 | 802 |
| Average total loans | $535,704,000 | 808 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6328% | 262 |
| Cost of funding earning assets | 1.7256% | 1,480 |
| Net interest margin | 4.9072% | 541 |
| Noninterest income to average assets | 0.3690% | 5,152 |
| Noninterest expense to average assets | 1.8939% | 7,168 |
| Loan and lease loss provision to assets | 1.9745% | 668 |
| Net operating income to assets | 0.9903% | 2,069 |
| Return on assets (ROA) | 0.9925% | 2,169 |
| Pretax return on assets | 1.0694% | 2,702 |
| Return on Equity (ROE) | 8.1932% | 2,622 |
| Retained earnings to average equity (ytd only) | 4.0538% | 3,021 |
| Net charge-offs to loans | 1.0324% | 2,135 |
| Credit loss provision to net charge-offs | 231.5553% | 1,274 |
| Earnings coverage of net charge-offs (x) | 3.5669% | 3,300 |
| Efficiency ratio | 38.0954% | 7,528 |
| Assets per employee ($millions) | 4.1705% | 3,437 |
| Cash dividends to net income (ytd only)* | 50.5226% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3107% | 674 |
| Loan loss allowance to noncurrent loans | 105.9336% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 3.1537% | 2,242 |
| Noncurrent loans to loans | 3.1253% | 2,442 |
| Net loans and leases to total assets | 81.2637% | 515 |
| Net loans and leases to deposits | 101.3871% | 512 |
| Net loans and leases to core deposits | 118.8016% | 568 |
| Total domestic deposits to total assets | 80.1520% | 5,793 |
| Equity capital to assets | 12.5501% | 1,601 |
| Core capital (leverage) ratio | 12.4702% | 1,329 |
| Tier 1 risk-based capital ratio | 13.8857% | 3,936 |
| Total risk-based capital ratio | 15.1590% | 3,897 |
| Memoranda: | ||
| Average total assets | $626,599,000 | 1,067 |
| Average earning assets | $583,087,000 | 1,034 |
| Average equity | $75,904,800 | 870 |
| Average total loans | $517,522,400 | 870 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6706% | 253 |
| Cost of funding earning assets | 1.7833% | 1,490 |
| Net interest margin | 4.8873% | 565 |
| Noninterest income to average assets | 0.4817% | 4,322 |
| Noninterest expense to average assets | 1.9065% | 7,200 |
| Loan and lease loss provision to assets | 1.8852% | 656 |
| Net operating income to assets | 1.1489% | 1,738 |
| Return on assets (ROA) | 1.1520% | 1,830 |
| Pretax return on assets | 1.2239% | 2,412 |
| Return on Equity (ROE) | 9.6002% | 2,290 |
| Retained earnings to average equity (ytd only) | 9.6002% | 892 |
| Net charge-offs to loans | 1.0602% | 1,914 |
| Credit loss provision to net charge-offs | 216.2928% | 1,605 |
| Earnings coverage of net charge-offs (x) | 3.5635% | 3,399 |
| Efficiency ratio | 37.7566% | 7,616 |
| Assets per employee ($millions) | 4.0339% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9965% | 821 |
| Loan loss allowance to noncurrent loans | 96.5576% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 4.0785% | 1,704 |
| Noncurrent loans to loans | 3.1034% | 2,570 |
| Net loans and leases to total assets | 80.2087% | 717 |
| Net loans and leases to deposits | 100.0619% | 658 |
| Net loans and leases to core deposits | 119.6903% | 622 |
| Total domestic deposits to total assets | 80.1591% | 5,654 |
| Equity capital to assets | 13.3483% | 1,424 |
| Core capital (leverage) ratio | 13.0852% | 1,197 |
| Tier 1 risk-based capital ratio | 14.5165% | 3,500 |
| Total risk-based capital ratio | 15.7854% | 3,459 |
| Memoranda: | ||
| Average total assets | $620,600,250 | 1,079 |
| Average earning assets | $575,329,250 | 1,057 |
| Average equity | $74,468,500 | 885 |
| Average total loans | $510,203,000 | 887 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6675% | 261 |
| Cost of funding earning assets | 1.8154% | 1,588 |
| Net interest margin | 4.8521% | 598 |
| Noninterest income to average assets | 0.4946% | 4,162 |
| Noninterest expense to average assets | 1.8338% | 7,353 |
| Loan and lease loss provision to assets | 1.9001% | 655 |
| Net operating income to assets | 1.1651% | 1,659 |
| Return on assets (ROA) | 1.1697% | 1,708 |
| Pretax return on assets | 1.2436% | 2,277 |
| Return on Equity (ROE) | 10.1421% | 2,050 |
| Retained earnings to average equity (ytd only) | 10.1421% | 817 |
| Net charge-offs to loans | 0.8403% | 2,148 |
| Credit loss provision to net charge-offs | 275.6132% | 1,353 |
| Earnings coverage of net charge-offs (x) | 4.5528% | 2,917 |
| Efficiency ratio | 36.5967% | 7,690 |
| Assets per employee ($millions) | 4.1377% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8062% | 996 |
| Loan loss allowance to noncurrent loans | 205.6281% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 2.5949% | 2,798 |
| Noncurrent loans to loans | 1.3647% | 4,662 |
| Net loans and leases to total assets | 80.4292% | 735 |
| Net loans and leases to deposits | 98.0096% | 873 |
| Net loans and leases to core deposits | 114.1603% | 914 |
| Total domestic deposits to total assets | 82.0625% | 4,957 |
| Equity capital to assets | 11.4854% | 2,458 |
| Core capital (leverage) ratio | 11.4378% | 1,944 |
| Tier 1 risk-based capital ratio | 12.3188% | 5,024 |
| Total risk-based capital ratio | 13.5851% | 4,985 |
| Memoranda: | ||
| Average total assets | $615,013,330 | 1,093 |
| Average earning assets | $567,588,330 | 1,081 |
| Average equity | $70,932,330 | 941 |
| Average total loans | $504,600,330 | 899 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6856% | 271 |
| Cost of funding earning assets | 1.8801% | 1,535 |
| Net interest margin | 4.8054% | 637 |
| Noninterest income to average assets | 0.4689% | 4,303 |
| Noninterest expense to average assets | 1.8261% | 7,440 |
| Loan and lease loss provision to assets | 1.8148% | 621 |
| Net operating income to assets | 1.1446% | 1,691 |
| Return on assets (ROA) | 1.1538% | 1,748 |
| Pretax return on assets | 1.2412% | 2,232 |
| Return on Equity (ROE) | 9.9820% | 2,107 |
| Retained earnings to average equity (ytd only) | 9.9820% | 1,142 |
| Net charge-offs to loans | 1.1069% | 1,519 |
| Credit loss provision to net charge-offs | 200.7326% | 1,844 |
| Earnings coverage of net charge-offs (x) | 3.3692% | 2,930 |
| Efficiency ratio | 37.1805% | 7,780 |
| Assets per employee ($millions) | 3.8008% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4749% | 1,334 |
| Loan loss allowance to noncurrent loans | 186.8097% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 2.6608% | 2,735 |
| Noncurrent loans to loans | 1.3248% | 4,764 |
| Net loans and leases to total assets | 80.6676% | 748 |
| Net loans and leases to deposits | 99.0716% | 818 |
| Net loans and leases to core deposits | 116.6396% | 923 |
| Total domestic deposits to total assets | 81.4235% | 5,303 |
| Equity capital to assets | 11.6333% | 2,277 |
| Core capital (leverage) ratio | 11.3509% | 1,999 |
| Tier 1 risk-based capital ratio | 12.4817% | 4,772 |
| Total risk-based capital ratio | 13.7441% | 4,708 |
| Memoranda: | ||
| Average total assets | $603,916,000 | 1,142 |
| Average earning assets | $553,372,500 | 1,129 |
| Average equity | $69,805,500 | 961 |
| Average total loans | $493,251,500 | 950 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2876% | 1,052 |
| Cost of funding earning assets | 2.4666% | 1,100 |
| Net interest margin | 3.8210% | 3,616 |
| Noninterest income to average assets | 0.4425% | 4,863 |
| Noninterest expense to average assets | 1.9304% | 7,455 |
| Loan and lease loss provision to assets | 1.1315% | 2,015 |
| Net operating income to assets | 0.8178% | 2,461 |
| Return on assets (ROA) | 0.9232% | 2,162 |
| Pretax return on assets | 1.0231% | 2,516 |
| Return on Equity (ROE) | 8.1523% | 2,309 |
| Retained earnings to average equity (ytd only) | 8.1523% | 663 |
| Net charge-offs to loans | 0.6558% | 3,222 |
| Credit loss provision to net charge-offs | 218.0219% | 1,741 |
| Earnings coverage of net charge-offs (x) | 3.9260% | 3,138 |
| Efficiency ratio | 48.2723% | 7,621 |
| Assets per employee ($millions) | 3.6568% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2904% | 1,499 |
| Loan loss allowance to noncurrent loans | 152.2618% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 2.4053% | 2,893 |
| Noncurrent loans to loans | 1.5043% | 4,408 |
| Net loans and leases to total assets | 78.7752% | 1,232 |
| Net loans and leases to deposits | 97.9497% | 1,107 |
| Net loans and leases to core deposits | 140.6604% | 788 |
| Total domestic deposits to total assets | 80.4242% | 5,546 |
| Equity capital to assets | 11.4832% | 2,331 |
| Core capital (leverage) ratio | 11.3664% | 1,999 |
| Tier 1 risk-based capital ratio | 12.1287% | 4,830 |
| Total risk-based capital ratio | 13.3880% | 4,787 |
| Memoranda: | ||
| Average total assets | $580,560,800 | 1,189 |
| Average earning assets | $535,642,600 | 1,183 |
| Average equity | $65,748,600 | 1,006 |
| Average total loans | $459,431,000 | 1,046 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1362% | 1,538 |
| Cost of funding earning assets | 2.6071% | 1,014 |
| Net interest margin | 3.5291% | 4,747 |
| Noninterest income to average assets | 0.4939% | 4,536 |
| Noninterest expense to average assets | 1.8708% | 7,580 |
| Loan and lease loss provision to assets | 1.1039% | 1,769 |
| Net operating income to assets | 0.7436% | 3,048 |
| Return on assets (ROA) | 0.8642% | 2,623 |
| Pretax return on assets | 0.9267% | 3,143 |
| Return on Equity (ROE) | 7.6588% | 2,790 |
| Retained earnings to average equity (ytd only) | 7.6588% | 1,247 |
| Net charge-offs to loans | 0.6205% | 2,819 |
| Credit loss provision to net charge-offs | 225.9242% | 1,931 |
| Earnings coverage of net charge-offs (x) | 3.8905% | 3,349 |
| Efficiency ratio | 49.2019% | 7,610 |
| Assets per employee ($millions) | 3.6828% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1686% | 1,476 |
| Loan loss allowance to noncurrent loans | 65.6071% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 3.8381% | 1,682 |
| Noncurrent loans to loans | 3.3054% | 2,283 |
| Net loans and leases to total assets | 77.4178% | 1,689 |
| Net loans and leases to deposits | 94.1820% | 1,856 |
| Net loans and leases to core deposits | 138.2128% | 1,001 |
| Total domestic deposits to total assets | 82.2002% | 4,584 |
| Equity capital to assets | 11.3616% | 2,701 |
| Core capital (leverage) ratio | 11.2963% | 2,189 |
| Tier 1 risk-based capital ratio | 12.4765% | 4,559 |
| Total risk-based capital ratio | 13.7350% | 4,505 |
| Memoranda: | ||
| Average total assets | $575,773,750 | 1,215 |
| Average earning assets | $534,782,000 | 1,199 |
| Average equity | $64,969,250 | 1,030 |
| Average total loans | $453,414,750 | 1,077 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1189% | 1,729 |
| Cost of funding earning assets | 2.7951% | 802 |
| Net interest margin | 3.3238% | 5,458 |
| Noninterest income to average assets | 0.4677% | 4,727 |
| Noninterest expense to average assets | 1.9198% | 7,600 |
| Loan and lease loss provision to assets | 0.8648% | 1,946 |
| Net operating income to assets | 0.7172% | 3,178 |
| Return on assets (ROA) | 0.7838% | 3,009 |
| Pretax return on assets | 0.8311% | 3,565 |
| Return on Equity (ROE) | 6.9627% | 3,215 |
| Retained earnings to average equity (ytd only) | 6.9627% | 1,597 |
| Net charge-offs to loans | 0.3178% | 3,599 |
| Credit loss provision to net charge-offs | 346.2079% | 1,339 |
| Earnings coverage of net charge-offs (x) | 6.5056% | 2,603 |
| Efficiency ratio | 53.7213% | 7,359 |
| Assets per employee ($millions) | 3.7853% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9876% | 1,597 |
| Loan loss allowance to noncurrent loans | 52.4731% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 3.9894% | 1,491 |
| Noncurrent loans to loans | 3.7878% | 1,810 |
| Net loans and leases to total assets | 77.9280% | 1,757 |
| Net loans and leases to deposits | 95.0979% | 1,936 |
| Net loans and leases to core deposits | 140.0459% | 1,009 |
| Total domestic deposits to total assets | 81.9450% | 4,714 |
| Equity capital to assets | 11.1257% | 2,816 |
| Core capital (leverage) ratio | 11.1474% | 2,294 |
| Tier 1 risk-based capital ratio | 12.1651% | 4,789 |
| Total risk-based capital ratio | 13.4215% | 4,692 |
| Memoranda: | ||
| Average total assets | $570,056,000 | 1,243 |
| Average earning assets | $527,772,330 | 1,231 |
| Average equity | $64,170,330 | 1,058 |
| Average total loans | $448,151,000 | 1,115 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0425% | 2,186 |
| Cost of funding earning assets | 2.9565% | 670 |
| Net interest margin | 3.0860% | 6,234 |
| Noninterest income to average assets | 0.4735% | 4,561 |
| Noninterest expense to average assets | 1.9255% | 7,500 |
| Loan and lease loss provision to assets | 0.5341% | 2,336 |
| Net operating income to assets | 0.8182% | 3,056 |
| Return on assets (ROA) | 0.8182% | 3,207 |
| Pretax return on assets | 0.8645% | 3,846 |
| Return on Equity (ROE) | 7.2245% | 3,489 |
| Retained earnings to average equity (ytd only) | 7.2245% | 2,120 |
| Net charge-offs to loans | 0.2497% | 3,159 |
| Credit loss provision to net charge-offs | 273.7226% | 1,746 |
| Earnings coverage of net charge-offs (x) | 7.1679% | 2,382 |
| Efficiency ratio | 57.4550% | 6,765 |
| Assets per employee ($millions) | 3.5902% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7658% | 1,936 |
| Loan loss allowance to noncurrent loans | 53.8425% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 2.9360% | 1,935 |
| Noncurrent loans to loans | 3.2796% | 1,956 |
| Net loans and leases to total assets | 78.3966% | 1,722 |
| Net loans and leases to deposits | 95.5246% | 2,024 |
| Net loans and leases to core deposits | 149.0372% | 742 |
| Total domestic deposits to total assets | 82.0696% | 4,520 |
| Equity capital to assets | 11.3476% | 2,688 |
| Core capital (leverage) ratio | 11.1549% | 2,375 |
| Tier 1 risk-based capital ratio | 12.5702% | 4,499 |
| Total risk-based capital ratio | 13.8245% | 4,417 |
| Memoranda: | ||
| Average total assets | $561,719,500 | 1,270 |
| Average earning assets | $518,860,000 | 1,253 |
| Average equity | $63,616,500 | 1,072 |
| Average total loans | $438,977,500 | 1,149 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9245% | 1,332 |
| Cost of funding earning assets | 3.2848% | 967 |
| Net interest margin | 3.6397% | 4,722 |
| Noninterest income to average assets | 0.6494% | 3,481 |
| Noninterest expense to average assets | 2.2134% | 6,932 |
| Loan and lease loss provision to assets | 1.1414% | 1,276 |
| Net operating income to assets | 0.6073% | 4,273 |
| Return on assets (ROA) | 0.6094% | 4,127 |
| Pretax return on assets | 0.6478% | 4,552 |
| Return on Equity (ROE) | 5.3290% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.3290% | 1,842 |
| Net charge-offs to loans | 0.9611% | 1,286 |
| Credit loss provision to net charge-offs | 145.6901% | 3,623 |
| Earnings coverage of net charge-offs (x) | 2.2809% | 4,940 |
| Efficiency ratio | 54.8885% | 7,166 |
| Assets per employee ($millions) | 3.3304% | 5,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7679% | 1,713 |
| Loan loss allowance to noncurrent loans | 68.2710% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 2.2660% | 2,151 |
| Noncurrent loans to loans | 2.5895% | 2,091 |
| Net loans and leases to total assets | 75.1072% | 2,853 |
| Net loans and leases to deposits | 91.4941% | 3,216 |
| Net loans and leases to core deposits | 146.0266% | 1,017 |
| Total domestic deposits to total assets | 82.0896% | 4,165 |
| Equity capital to assets | 11.3026% | 2,801 |
| Core capital (leverage) ratio | 11.3602% | 2,330 |
| Tier 1 risk-based capital ratio | 12.7425% | 4,264 |
| Total risk-based capital ratio | 13.9961% | 4,180 |
| Memoranda: | ||
| Average total assets | $497,550,200 | 1,359 |
| Average earning assets | $458,081,600 | 1,362 |
| Average equity | $56,896,000 | 1,179 |
| Average total loans | $405,564,200 | 1,194 |