Home > First Minnesota Bank > Performance and Condition Ratios
First Minnesota Bank, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1120% | 4,131 |
| Cost of funding earning assets | 0.6653% | 3,336 |
| Net interest margin | 3.4467% | 3,750 |
| Noninterest income to average assets | 0.5302% | 2,504 |
| Noninterest expense to average assets | 2.4461% | 3,621 |
| Loan and lease loss provision to assets | -0.4328% | 5,288 |
| Net operating income to assets | 1.2403% | 2,007 |
| Return on assets (ROA) | 1.1670% | 2,346 |
| Pretax return on assets | 1.5987% | 1,555 |
| Return on Equity (ROE) | 7.3166% | 3,564 |
| Retained earnings to average equity (ytd only) | 0.1750% | 4,645 |
| Net charge-offs to loans | -0.0304% | 4,689 |
| Credit loss provision to net charge-offs | 4,000.0000% | 93 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0261% | 2,802 |
| Assets per employee ($millions) | 4.5708% | 3,037 |
| Cash dividends to net income (ytd only)* | 97.6086% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 1,906 |
| Loan loss allowance to noncurrent loans | 863.5417% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 4,493 |
| Noncurrent loans to loans | 0.1534% | 3,994 |
| Net loans and leases to total assets | 35.0875% | 5,006 |
| Net loans and leases to deposits | 43.5376% | 4,960 |
| Net loans and leases to core deposits | 48.4702% | 4,899 |
| Total domestic deposits to total assets | 80.5911% | 3,918 |
| Equity capital to assets | 16.1872% | 586 |
| Core capital (leverage) ratio | 15.6993% | 590 |
| Tier 1 risk-based capital ratio | 28.5021% | 542 |
| Total risk-based capital ratio | 29.3489% | 546 |
| Memoranda: | ||
| Average total assets | $351,169,000 | 1,933 |
| Average earning assets | $323,443,330 | 1,934 |
| Average equity | $56,009,330 | 1,434 |
| Average total loans | $124,929,670 | 2,927 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0156% | 4,337 |
| Cost of funding earning assets | 0.6226% | 3,446 |
| Net interest margin | 3.3931% | 3,906 |
| Noninterest income to average assets | 0.5029% | 2,538 |
| Noninterest expense to average assets | 2.5520% | 3,365 |
| Loan and lease loss provision to assets | -0.7127% | 5,351 |
| Net operating income to assets | 1.3214% | 1,621 |
| Return on assets (ROA) | 1.1745% | 2,205 |
| Pretax return on assets | 1.5976% | 1,476 |
| Return on Equity (ROE) | 7.4196% | 3,494 |
| Retained earnings to average equity (ytd only) | -6.9874% | 5,007 |
| Net charge-offs to loans | -0.0256% | 4,588 |
| Credit loss provision to net charge-offs | 7,812.5000% | 39 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4438% | 2,270 |
| Assets per employee ($millions) | 4.3968% | 3,341 |
| Cash dividends to net income (ytd only)* | 194.1748% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 1,563 |
| Loan loss allowance to noncurrent loans | 548.3077% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 4,284 |
| Noncurrent loans to loans | 0.2611% | 3,629 |
| Net loans and leases to total assets | 35.3294% | 5,035 |
| Net loans and leases to deposits | 43.7841% | 4,995 |
| Net loans and leases to core deposits | 48.2613% | 4,932 |
| Total domestic deposits to total assets | 80.6901% | 4,021 |
| Equity capital to assets | 15.9326% | 585 |
| Core capital (leverage) ratio | 15.7933% | 563 |
| Tier 1 risk-based capital ratio | 27.4149% | 595 |
| Total risk-based capital ratio | 28.3023% | 602 |
| Memoranda: | ||
| Average total assets | $350,777,500 | 1,945 |
| Average earning assets | $322,540,500 | 1,948 |
| Average equity | $55,528,500 | 1,436 |
| Average total loans | $124,820,000 | 2,965 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3462% | 2,940 |
| Cost of funding earning assets | 0.5616% | 2,980 |
| Net interest margin | 3.7846% | 2,722 |
| Noninterest income to average assets | 0.7220% | 1,764 |
| Noninterest expense to average assets | 2.5734% | 3,408 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1803% | 2,268 |
| Return on assets (ROA) | 1.1641% | 2,328 |
| Pretax return on assets | 1.5716% | 1,548 |
| Return on Equity (ROE) | 7.8583% | 3,499 |
| Retained earnings to average equity (ytd only) | 3.2466% | 3,777 |
| Net charge-offs to loans | 0.0534% | 2,388 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 85.6765% | 822 |
| Efficiency ratio | 61.7792% | 3,567 |
| Assets per employee ($millions) | 4.3196% | 3,429 |
| Cash dividends to net income (ytd only)* | 58.6854% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9170% | 551 |
| Loan loss allowance to noncurrent loans | 733.6391% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 4,309 |
| Noncurrent loans to loans | 0.2613% | 3,638 |
| Net loans and leases to total assets | 34.6529% | 5,104 |
| Net loans and leases to deposits | 42.8040% | 5,055 |
| Net loans and leases to core deposits | 48.6244% | 4,976 |
| Total domestic deposits to total assets | 80.9571% | 3,900 |
| Equity capital to assets | 15.7297% | 578 |
| Core capital (leverage) ratio | 15.1901% | 651 |
| Tier 1 risk-based capital ratio | 26.5808% | 635 |
| Total risk-based capital ratio | 27.7387% | 630 |
| Memoranda: | ||
| Average total assets | $365,936,000 | 1,851 |
| Average earning assets | $332,958,800 | 1,875 |
| Average equity | $54,210,400 | 1,424 |
| Average total loans | $127,267,400 | 2,910 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3171% | 2,904 |
| Cost of funding earning assets | 0.5446% | 2,899 |
| Net interest margin | 3.7725% | 2,743 |
| Noninterest income to average assets | 0.3195% | 4,013 |
| Noninterest expense to average assets | 2.5063% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9622% | 3,257 |
| Return on assets (ROA) | 0.9608% | 3,277 |
| Pretax return on assets | 1.2369% | 2,861 |
| Return on Equity (ROE) | 6.5830% | 4,082 |
| Retained earnings to average equity (ytd only) | 0.3913% | 4,970 |
| Net charge-offs to loans | -0.0167% | 4,575 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9240% | 2,723 |
| Assets per employee ($millions) | 4.2442% | 3,511 |
| Cash dividends to net income (ytd only)* | 94.0557% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9420% | 546 |
| Loan loss allowance to noncurrent loans | 728.1525% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.8025% | 1,840 |
| Noncurrent loans to loans | 0.2667% | 3,732 |
| Net loans and leases to total assets | 34.7539% | 5,184 |
| Net loans and leases to deposits | 42.3940% | 5,145 |
| Net loans and leases to core deposits | 47.7907% | 5,070 |
| Total domestic deposits to total assets | 81.9786% | 3,616 |
| Equity capital to assets | 14.8853% | 750 |
| Core capital (leverage) ratio | 14.9692% | 711 |
| Tier 1 risk-based capital ratio | 24.1591% | 829 |
| Total risk-based capital ratio | 25.2693% | 823 |
| Memoranda: | ||
| Average total assets | $368,867,500 | 1,845 |
| Average earning assets | $334,939,750 | 1,880 |
| Average equity | $53,834,000 | 1,441 |
| Average total loans | $127,798,500 | 2,929 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 2,732 |
| Cost of funding earning assets | 0.5375% | 2,714 |
| Net interest margin | 3.7708% | 2,667 |
| Noninterest income to average assets | 0.1254% | 5,176 |
| Noninterest expense to average assets | 2.4577% | 3,753 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8715% | 3,579 |
| Return on assets (ROA) | 0.8698% | 3,588 |
| Pretax return on assets | 1.0905% | 3,351 |
| Return on Equity (ROE) | 5.9987% | 4,244 |
| Retained earnings to average equity (ytd only) | -3.2814% | 5,226 |
| Net charge-offs to loans | -0.0266% | 4,696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2238% | 2,445 |
| Assets per employee ($millions) | 4.5965% | 2,976 |
| Cash dividends to net income (ytd only)* | 154.7030% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9175% | 616 |
| Loan loss allowance to noncurrent loans | 353.8462% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 1,680 |
| Noncurrent loans to loans | 0.5419% | 2,793 |
| Net loans and leases to total assets | 34.9915% | 5,205 |
| Net loans and leases to deposits | 43.2087% | 5,166 |
| Net loans and leases to core deposits | 47.7444% | 5,106 |
| Total domestic deposits to total assets | 80.9826% | 4,003 |
| Equity capital to assets | 14.6429% | 771 |
| Core capital (leverage) ratio | 14.3224% | 823 |
| Tier 1 risk-based capital ratio | 23.5043% | 885 |
| Total risk-based capital ratio | 24.6061% | 882 |
| Memoranda: | ||
| Average total assets | $371,570,330 | 1,839 |
| Average earning assets | $337,484,000 | 1,880 |
| Average equity | $53,878,670 | 1,443 |
| Average total loans | $127,777,670 | 2,939 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 2,781 |
| Cost of funding earning assets | 0.5340% | 2,518 |
| Net interest margin | 3.6972% | 2,809 |
| Noninterest income to average assets | 0.5556% | 2,495 |
| Noninterest expense to average assets | 2.3364% | 4,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1809% | 2,088 |
| Return on assets (ROA) | 1.1868% | 2,077 |
| Pretax return on assets | 1.5870% | 1,425 |
| Return on Equity (ROE) | 8.2239% | 3,283 |
| Retained earnings to average equity (ytd only) | -10.2154% | 5,378 |
| Net charge-offs to loans | -0.0567% | 5,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6630% | 4,108 |
| Assets per employee ($millions) | 4.7503% | 2,793 |
| Cash dividends to net income (ytd only)* | 224.2152% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9341% | 621 |
| Loan loss allowance to noncurrent loans | 467.1053% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 1.1845% | 1,290 |
| Noncurrent loans to loans | 0.4141% | 3,298 |
| Net loans and leases to total assets | 34.0051% | 5,269 |
| Net loans and leases to deposits | 42.5306% | 5,201 |
| Net loans and leases to core deposits | 46.4529% | 5,144 |
| Total domestic deposits to total assets | 79.9544% | 4,428 |
| Equity capital to assets | 14.2907% | 821 |
| Core capital (leverage) ratio | 14.0619% | 863 |
| Tier 1 risk-based capital ratio | 23.7641% | 859 |
| Total risk-based capital ratio | 24.8892% | 853 |
| Memoranda: | ||
| Average total assets | $375,793,000 | 1,841 |
| Average earning assets | $341,557,000 | 1,866 |
| Average equity | $54,232,000 | 1,444 |
| Average total loans | $126,893,000 | 2,976 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7507% | 4,215 |
| Cost of funding earning assets | 0.5806% | 1,738 |
| Net interest margin | 3.1701% | 4,522 |
| Noninterest income to average assets | 0.6470% | 2,215 |
| Noninterest expense to average assets | 2.3509% | 4,206 |
| Loan and lease loss provision to assets | 0.0153% | 3,988 |
| Net operating income to assets | 0.7534% | 3,376 |
| Return on assets (ROA) | 0.7813% | 3,284 |
| Pretax return on assets | 1.2059% | 2,753 |
| Return on Equity (ROE) | 5.5774% | 3,934 |
| Retained earnings to average equity (ytd only) | 1.5610% | 4,372 |
| Net charge-offs to loans | 0.0680% | 2,483 |
| Credit loss provision to net charge-offs | 69.7674% | 3,089 |
| Earnings coverage of net charge-offs (x) | 53.5698% | 1,041 |
| Efficiency ratio | 66.1425% | 3,243 |
| Assets per employee ($millions) | 4.6471% | 2,958 |
| Cash dividends to net income (ytd only)* | 72.0131% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9688% | 567 |
| Loan loss allowance to noncurrent loans | 1,678.2313% | 406 |
| Noncurrent assets plus other real estate owned to assets | 1.0644% | 1,436 |
| Noncurrent loans to loans | 0.1173% | 4,455 |
| Net loans and leases to total assets | 32.2354% | 5,386 |
| Net loans and leases to deposits | 40.3443% | 5,335 |
| Net loans and leases to core deposits | 44.4680% | 5,283 |
| Total domestic deposits to total assets | 79.9008% | 4,353 |
| Equity capital to assets | 14.5681% | 763 |
| Core capital (leverage) ratio | 13.8028% | 888 |
| Tier 1 risk-based capital ratio | 25.2354% | 709 |
| Total risk-based capital ratio | 26.3964% | 701 |
| Memoranda: | ||
| Average total assets | $391,005,400 | 1,748 |
| Average earning assets | $355,476,200 | 1,780 |
| Average equity | $54,774,200 | 1,410 |
| Average total loans | $126,530,800 | 2,974 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6974% | 4,329 |
| Cost of funding earning assets | 0.5891% | 1,612 |
| Net interest margin | 3.1083% | 4,690 |
| Noninterest income to average assets | 0.6611% | 2,157 |
| Noninterest expense to average assets | 2.3536% | 4,144 |
| Loan and lease loss provision to assets | 0.0203% | 3,740 |
| Net operating income to assets | 0.7433% | 3,766 |
| Return on assets (ROA) | 0.7810% | 3,649 |
| Pretax return on assets | 1.1680% | 3,028 |
| Return on Equity (ROE) | 5.6298% | 4,280 |
| Retained earnings to average equity (ytd only) | 0.2565% | 5,159 |
| Net charge-offs to loans | 0.0589% | 2,282 |
| Credit loss provision to net charge-offs | 107.1429% | 2,177 |
| Earnings coverage of net charge-offs (x) | 59.6646% | 996 |
| Efficiency ratio | 67.2499% | 3,007 |
| Assets per employee ($millions) | 4.6017% | 2,974 |
| Cash dividends to net income (ytd only)* | 95.4446% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9298% | 663 |
| Loan loss allowance to noncurrent loans | 1,287.1134% | 497 |
| Noncurrent assets plus other real estate owned to assets | 1.2984% | 1,238 |
| Noncurrent loans to loans | 0.1499% | 4,457 |
| Net loans and leases to total assets | 32.8283% | 5,437 |
| Net loans and leases to deposits | 41.0076% | 5,387 |
| Net loans and leases to core deposits | 46.2837% | 5,307 |
| Total domestic deposits to total assets | 80.0543% | 4,299 |
| Equity capital to assets | 14.3117% | 911 |
| Core capital (leverage) ratio | 13.6350% | 983 |
| Tier 1 risk-based capital ratio | 24.0840% | 846 |
| Total risk-based capital ratio | 25.2275% | 835 |
| Memoranda: | ||
| Average total assets | $393,490,500 | 1,745 |
| Average earning assets | $357,573,500 | 1,780 |
| Average equity | $54,589,250 | 1,427 |
| Average total loans | $126,837,250 | 2,988 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 4,162 |
| Cost of funding earning assets | 0.6010% | 1,442 |
| Net interest margin | 3.1189% | 4,633 |
| Noninterest income to average assets | 0.6089% | 2,414 |
| Noninterest expense to average assets | 2.3749% | 4,136 |
| Loan and lease loss provision to assets | 0.0303% | 3,395 |
| Net operating income to assets | 0.6986% | 3,861 |
| Return on assets (ROA) | 0.7504% | 3,692 |
| Pretax return on assets | 1.1157% | 3,112 |
| Return on Equity (ROE) | 5.4651% | 4,287 |
| Retained earnings to average equity (ytd only) | -2.6313% | 5,391 |
| Net charge-offs to loans | -0.0365% | 5,038 |
| Credit loss provision to net charge-offs | -260.8696% | 4,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6867% | 2,896 |
| Assets per employee ($millions) | 4.8279% | 2,612 |
| Cash dividends to net income (ytd only)* | 148.1481% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0321% | 571 |
| Loan loss allowance to noncurrent loans | 1,018.1818% | 573 |
| Noncurrent assets plus other real estate owned to assets | 1.3193% | 1,239 |
| Noncurrent loans to loans | 0.1996% | 4,319 |
| Net loans and leases to total assets | 31.3700% | 5,515 |
| Net loans and leases to deposits | 38.6884% | 5,489 |
| Net loans and leases to core deposits | 45.2225% | 5,364 |
| Total domestic deposits to total assets | 81.0838% | 4,163 |
| Equity capital to assets | 13.8047% | 1,038 |
| Core capital (leverage) ratio | 13.0805% | 1,141 |
| Tier 1 risk-based capital ratio | 23.6887% | 884 |
| Total risk-based capital ratio | 24.8675% | 874 |
| Memoranda: | ||
| Average total assets | $395,806,000 | 1,739 |
| Average earning assets | $359,737,330 | 1,766 |
| Average equity | $54,345,330 | 1,440 |
| Average total loans | $125,985,330 | 3,008 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5048% | 4,684 |
| Cost of funding earning assets | 0.6199% | 1,239 |
| Net interest margin | 2.8849% | 5,115 |
| Noninterest income to average assets | 0.6054% | 2,386 |
| Noninterest expense to average assets | 2.3236% | 4,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6094% | 4,116 |
| Return on assets (ROA) | 0.7146% | 3,682 |
| Pretax return on assets | 1.0562% | 3,152 |
| Return on Equity (ROE) | 5.2184% | 4,295 |
| Retained earnings to average equity (ytd only) | -11.0200% | 5,601 |
| Net charge-offs to loans | -0.2357% | 5,642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7643% | 2,618 |
| Assets per employee ($millions) | 4.7745% | 2,740 |
| Cash dividends to net income (ytd only)* | 311.1740% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0281% | 638 |
| Loan loss allowance to noncurrent loans | 275.7250% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 1.4967% | 1,073 |
| Noncurrent loans to loans | 0.7355% | 2,657 |
| Net loans and leases to total assets | 31.2920% | 5,558 |
| Net loans and leases to deposits | 38.4451% | 5,514 |
| Net loans and leases to core deposits | 44.8317% | 5,394 |
| Total domestic deposits to total assets | 81.3939% | 4,322 |
| Equity capital to assets | 13.4896% | 1,070 |
| Core capital (leverage) ratio | 13.0816% | 1,112 |
| Tier 1 risk-based capital ratio | 23.2871% | 940 |
| Total risk-based capital ratio | 24.4596% | 936 |
| Memoranda: | ||
| Average total assets | $395,765,000 | 1,751 |
| Average earning assets | $359,390,000 | 1,778 |
| Average equity | $54,192,500 | 1,437 |
| Average total loans | $125,595,000 | 3,031 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8160% | 3,850 |
| Cost of funding earning assets | 0.8396% | 409 |
| Net interest margin | 2.9764% | 5,005 |
| Noninterest income to average assets | 0.6696% | 2,318 |
| Noninterest expense to average assets | 2.3021% | 4,551 |
| Loan and lease loss provision to assets | 0.0186% | 4,004 |
| Net operating income to assets | 0.7171% | 3,705 |
| Return on assets (ROA) | 0.7355% | 3,725 |
| Pretax return on assets | 1.0736% | 3,204 |
| Return on Equity (ROE) | 5.4104% | 4,233 |
| Retained earnings to average equity (ytd only) | 1.3973% | 4,714 |
| Net charge-offs to loans | 0.0507% | 3,027 |
| Credit loss provision to net charge-offs | 117.1875% | 2,259 |
| Earnings coverage of net charge-offs (x) | 67.1250% | 825 |
| Efficiency ratio | 68.0831% | 3,216 |
| Assets per employee ($millions) | 4.4410% | 3,204 |
| Cash dividends to net income (ytd only)* | 74.1740% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0005% | 659 |
| Loan loss allowance to noncurrent loans | 470.3774% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 1.4798% | 1,143 |
| Noncurrent loans to loans | 0.4253% | 3,618 |
| Net loans and leases to total assets | 30.8985% | 5,624 |
| Net loans and leases to deposits | 40.4567% | 5,534 |
| Net loans and leases to core deposits | 44.7933% | 5,469 |
| Total domestic deposits to total assets | 76.3742% | 5,198 |
| Equity capital to assets | 13.8972% | 921 |
| Core capital (leverage) ratio | 12.9127% | 1,167 |
| Tier 1 risk-based capital ratio | 23.7244% | 896 |
| Total risk-based capital ratio | 24.8545% | 892 |
| Memoranda: | ||
| Average total assets | $403,240,400 | 1,666 |
| Average earning assets | $365,514,600 | 1,700 |
| Average equity | $54,820,000 | 1,403 |
| Average total loans | $126,283,200 | 2,975 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8595% | 3,734 |
| Cost of funding earning assets | 0.8353% | 416 |
| Net interest margin | 3.0242% | 4,967 |
| Noninterest income to average assets | 0.6646% | 2,342 |
| Noninterest expense to average assets | 2.2975% | 4,538 |
| Loan and lease loss provision to assets | 0.0247% | 3,753 |
| Net operating income to assets | 0.7402% | 3,645 |
| Return on assets (ROA) | 0.7646% | 3,671 |
| Pretax return on assets | 1.1193% | 3,152 |
| Return on Equity (ROE) | 5.6551% | 4,243 |
| Retained earnings to average equity (ytd only) | 0.3017% | 5,272 |
| Net charge-offs to loans | 0.0737% | 2,265 |
| Credit loss provision to net charge-offs | 107.1429% | 2,252 |
| Earnings coverage of net charge-offs (x) | 48.1148% | 1,108 |
| Efficiency ratio | 67.1916% | 3,387 |
| Assets per employee ($millions) | 4.6618% | 2,817 |
| Cash dividends to net income (ytd only)* | 94.6643% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9365% | 802 |
| Loan loss allowance to noncurrent loans | 289.8601% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 1.7605% | 947 |
| Noncurrent loans to loans | 0.6681% | 3,024 |
| Net loans and leases to total assets | 31.0521% | 5,695 |
| Net loans and leases to deposits | 41.7807% | 5,584 |
| Net loans and leases to core deposits | 46.5247% | 5,494 |
| Total domestic deposits to total assets | 74.3217% | 5,403 |
| Equity capital to assets | 13.8147% | 1,112 |
| Core capital (leverage) ratio | 12.9527% | 1,206 |
| Tier 1 risk-based capital ratio | 22.8378% | 1,022 |
| Total risk-based capital ratio | 23.9366% | 1,031 |
| Memoranda: | ||
| Average total assets | $405,239,000 | 1,665 |
| Average earning assets | $367,292,500 | 1,698 |
| Average equity | $54,793,000 | 1,412 |
| Average total loans | $126,699,500 | 2,979 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8407% | 3,805 |
| Cost of funding earning assets | 0.8292% | 415 |
| Net interest margin | 3.0115% | 5,056 |
| Noninterest income to average assets | 0.6373% | 2,428 |
| Noninterest expense to average assets | 2.2852% | 4,651 |
| Loan and lease loss provision to assets | 0.0370% | 3,419 |
| Net operating income to assets | 0.7153% | 3,718 |
| Return on assets (ROA) | 0.7529% | 3,689 |
| Pretax return on assets | 1.0994% | 3,199 |
| Return on Equity (ROE) | 5.6086% | 4,243 |
| Retained earnings to average equity (ytd only) | -2.4825% | 5,582 |
| Net charge-offs to loans | 0.1205% | 1,627 |
| Credit loss provision to net charge-offs | 98.6842% | 2,142 |
| Earnings coverage of net charge-offs (x) | 28.8158% | 1,419 |
| Efficiency ratio | 67.6052% | 3,423 |
| Assets per employee ($millions) | 4.5873% | 2,884 |
| Cash dividends to net income (ytd only)* | 144.2623% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9487% | 820 |
| Loan loss allowance to noncurrent loans | 488.3858% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 1.7026% | 1,052 |
| Noncurrent loans to loans | 0.3990% | 3,927 |
| Net loans and leases to total assets | 31.2793% | 5,755 |
| Net loans and leases to deposits | 42.2363% | 5,611 |
| Net loans and leases to core deposits | 47.9550% | 5,503 |
| Total domestic deposits to total assets | 74.0580% | 5,511 |
| Equity capital to assets | 13.8804% | 1,066 |
| Core capital (leverage) ratio | 13.0136% | 1,146 |
| Tier 1 risk-based capital ratio | 23.2898% | 981 |
| Total risk-based capital ratio | 24.3940% | 979 |
| Memoranda: | ||
| Average total assets | $405,126,670 | 1,665 |
| Average earning assets | $367,122,330 | 1,699 |
| Average equity | $54,381,000 | 1,424 |
| Average total loans | $126,123,670 | 2,996 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 4,103 |
| Cost of funding earning assets | 0.8081% | 473 |
| Net interest margin | 2.9511% | 5,216 |
| Noninterest income to average assets | 0.5841% | 2,621 |
| Noninterest expense to average assets | 2.2522% | 4,778 |
| Loan and lease loss provision to assets | 0.0441% | 3,038 |
| Net operating income to assets | 0.6645% | 3,906 |
| Return on assets (ROA) | 0.7409% | 3,637 |
| Pretax return on assets | 1.0722% | 3,199 |
| Return on Equity (ROE) | 5.6131% | 4,166 |
| Retained earnings to average equity (ytd only) | -10.7214% | 5,826 |
| Net charge-offs to loans | -0.0096% | 4,514 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8628% | 3,316 |
| Assets per employee ($millions) | 4.7164% | 2,717 |
| Cash dividends to net income (ytd only)* | 291.0053% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0017% | 815 |
| Loan loss allowance to noncurrent loans | 863.4812% | 648 |
| Noncurrent assets plus other real estate owned to assets | 1.6036% | 1,244 |
| Noncurrent loans to loans | 0.2318% | 4,601 |
| Net loans and leases to total assets | 30.1858% | 5,822 |
| Net loans and leases to deposits | 40.1624% | 5,711 |
| Net loans and leases to core deposits | 46.1659% | 5,579 |
| Total domestic deposits to total assets | 75.1593% | 5,504 |
| Equity capital to assets | 13.0769% | 1,372 |
| Core capital (leverage) ratio | 12.8036% | 1,237 |
| Tier 1 risk-based capital ratio | 22.6753% | 1,057 |
| Total risk-based capital ratio | 23.7991% | 1,055 |
| Memoranda: | ||
| Average total assets | $408,143,000 | 1,655 |
| Average earning assets | $369,763,000 | 1,684 |
| Average equity | $53,873,500 | 1,432 |
| Average total loans | $125,528,000 | 3,002 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1812% | 2,616 |
| Cost of funding earning assets | 1.0368% | 138 |
| Net interest margin | 3.1444% | 4,793 |
| Noninterest income to average assets | 0.5925% | 2,759 |
| Noninterest expense to average assets | 2.3027% | 4,782 |
| Loan and lease loss provision to assets | -0.2403% | 6,025 |
| Net operating income to assets | 0.9073% | 2,826 |
| Return on assets (ROA) | 0.9066% | 2,914 |
| Pretax return on assets | 1.3493% | 2,100 |
| Return on Equity (ROE) | 7.1357% | 3,440 |
| Retained earnings to average equity (ytd only) | 5.2056% | 2,272 |
| Net charge-offs to loans | -0.0142% | 5,189 |
| Credit loss provision to net charge-offs | 5,444.4444% | 67 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2032% | 3,714 |
| Assets per employee ($millions) | 4.6132% | 2,866 |
| Cash dividends to net income (ytd only)* | 27.0490% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9909% | 819 |
| Loan loss allowance to noncurrent loans | 1,047.2574% | 577 |
| Noncurrent assets plus other real estate owned to assets | 1.7120% | 1,135 |
| Noncurrent loans to loans | 0.1901% | 4,724 |
| Net loans and leases to total assets | 30.0975% | 5,887 |
| Net loans and leases to deposits | 40.2403% | 5,766 |
| Net loans and leases to core deposits | 45.9459% | 5,652 |
| Total domestic deposits to total assets | 74.7946% | 5,571 |
| Equity capital to assets | 13.3237% | 1,198 |
| Core capital (leverage) ratio | 12.9428% | 1,165 |
| Tier 1 risk-based capital ratio | 23.5736% | 948 |
| Total risk-based capital ratio | 24.6858% | 951 |
| Memoranda: | ||
| Average total assets | $407,780,000 | 1,619 |
| Average earning assets | $365,734,800 | 1,658 |
| Average equity | $51,809,800 | 1,433 |
| Average total loans | $127,128,000 | 2,931 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3430% | 2,099 |
| Cost of funding earning assets | 0.9182% | 261 |
| Net interest margin | 3.4247% | 3,857 |
| Noninterest income to average assets | 0.5506% | 3,050 |
| Noninterest expense to average assets | 2.3058% | 4,764 |
| Loan and lease loss provision to assets | 0.0065% | 4,125 |
| Net operating income to assets | 0.8996% | 2,963 |
| Return on assets (ROA) | 0.8991% | 3,050 |
| Pretax return on assets | 1.3025% | 2,390 |
| Return on Equity (ROE) | 7.1635% | 3,537 |
| Retained earnings to average equity (ytd only) | 4.5614% | 3,228 |
| Net charge-offs to loans | -0.0125% | 5,063 |
| Credit loss provision to net charge-offs | -166.6667% | 5,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5230% | 4,329 |
| Assets per employee ($millions) | 4.7149% | 2,674 |
| Cash dividends to net income (ytd only)* | 36.3241% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7401% | 323 |
| Loan loss allowance to noncurrent loans | 1,379.3651% | 426 |
| Noncurrent assets plus other real estate owned to assets | 1.6753% | 1,300 |
| Noncurrent loans to loans | 0.1986% | 4,851 |
| Net loans and leases to total assets | 29.7371% | 5,981 |
| Net loans and leases to deposits | 40.7098% | 5,842 |
| Net loans and leases to core deposits | 47.0764% | 5,689 |
| Total domestic deposits to total assets | 73.0464% | 5,783 |
| Equity capital to assets | 12.8187% | 1,551 |
| Core capital (leverage) ratio | 12.3867% | 1,471 |
| Tier 1 risk-based capital ratio | 22.3163% | 1,150 |
| Total risk-based capital ratio | 23.5763% | 1,127 |
| Memoranda: | ||
| Average total assets | $408,235,000 | 1,628 |
| Average earning assets | $365,333,250 | 1,671 |
| Average equity | $51,240,000 | 1,454 |
| Average total loans | $127,743,500 | 2,944 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5200% | 1,475 |
| Cost of funding earning assets | 0.9151% | 268 |
| Net interest margin | 3.6048% | 3,072 |
| Noninterest income to average assets | 0.6488% | 2,481 |
| Noninterest expense to average assets | 2.3458% | 4,728 |
| Loan and lease loss provision to assets | 0.0099% | 3,907 |
| Net operating income to assets | 1.0451% | 2,158 |
| Return on assets (ROA) | 1.0458% | 2,268 |
| Pretax return on assets | 1.5113% | 1,617 |
| Return on Equity (ROE) | 8.3927% | 2,851 |
| Retained earnings to average equity (ytd only) | 4.4395% | 3,185 |
| Net charge-offs to loans | -0.0109% | 4,953 |
| Credit loss provision to net charge-offs | -285.7143% | 5,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4358% | 4,924 |
| Assets per employee ($millions) | 4.7130% | 2,656 |
| Cash dividends to net income (ytd only)* | 47.1032% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6752% | 387 |
| Loan loss allowance to noncurrent loans | 1,017.8886% | 549 |
| Noncurrent assets plus other real estate owned to assets | 2.0886% | 1,037 |
| Noncurrent loans to loans | 0.2628% | 4,731 |
| Net loans and leases to total assets | 30.7966% | 6,017 |
| Net loans and leases to deposits | 42.1585% | 5,827 |
| Net loans and leases to core deposits | 46.7033% | 5,734 |
| Total domestic deposits to total assets | 73.0497% | 5,863 |
| Equity capital to assets | 12.5366% | 1,641 |
| Core capital (leverage) ratio | 12.4460% | 1,406 |
| Tier 1 risk-based capital ratio | 21.6887% | 1,249 |
| Total risk-based capital ratio | 22.9523% | 1,233 |
| Memoranda: | ||
| Average total assets | $406,010,000 | 1,644 |
| Average earning assets | $362,348,000 | 1,688 |
| Average equity | $50,591,330 | 1,477 |
| Average total loans | $128,038,670 | 2,948 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4161% | 1,713 |
| Cost of funding earning assets | 0.9092% | 275 |
| Net interest margin | 3.5068% | 3,412 |
| Noninterest income to average assets | 0.6584% | 2,366 |
| Noninterest expense to average assets | 2.3050% | 4,868 |
| Loan and lease loss provision to assets | 0.0149% | 3,529 |
| Net operating income to assets | 0.9561% | 2,472 |
| Return on assets (ROA) | 0.9574% | 2,596 |
| Pretax return on assets | 1.4644% | 1,678 |
| Return on Equity (ROE) | 7.7075% | 3,117 |
| Retained earnings to average equity (ytd only) | -0.2630% | 5,428 |
| Net charge-offs to loans | -0.0157% | 4,936 |
| Credit loss provision to net charge-offs | -300.0000% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7068% | 5,000 |
| Assets per employee ($millions) | 4.7015% | 2,763 |
| Cash dividends to net income (ytd only)* | 103.4126% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7979% | 370 |
| Loan loss allowance to noncurrent loans | 387.4720% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 2.3122% | 966 |
| Noncurrent loans to loans | 0.7221% | 3,455 |
| Net loans and leases to total assets | 29.7638% | 6,079 |
| Net loans and leases to deposits | 40.8444% | 5,884 |
| Net loans and leases to core deposits | 44.4886% | 5,826 |
| Total domestic deposits to total assets | 72.8712% | 5,988 |
| Equity capital to assets | 12.5408% | 1,670 |
| Core capital (leverage) ratio | 12.4112% | 1,397 |
| Tier 1 risk-based capital ratio | 22.3368% | 1,193 |
| Total risk-based capital ratio | 23.5905% | 1,176 |
| Memoranda: | ||
| Average total assets | $403,999,000 | 1,656 |
| Average earning assets | $359,868,500 | 1,703 |
| Average equity | $50,185,000 | 1,496 |
| Average total loans | $127,184,500 | 2,961 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 2,006 |
| Cost of funding earning assets | 1.2525% | 66 |
| Net interest margin | 3.2137% | 4,878 |
| Noninterest income to average assets | 0.7182% | 2,221 |
| Noninterest expense to average assets | 2.3146% | 5,076 |
| Loan and lease loss provision to assets | 0.0294% | 4,020 |
| Net operating income to assets | 0.8440% | 3,150 |
| Return on assets (ROA) | 0.8325% | 3,305 |
| Pretax return on assets | 1.2075% | 2,624 |
| Return on Equity (ROE) | 7.3776% | 3,425 |
| Retained earnings to average equity (ytd only) | 6.2914% | 1,757 |
| Net charge-offs to loans | 0.0137% | 4,609 |
| Credit loss provision to net charge-offs | 666.6667% | 395 |
| Earnings coverage of net charge-offs (x) | 284.1111% | 192 |
| Efficiency ratio | 64.6057% | 4,477 |
| Assets per employee ($millions) | 4.4852% | 3,066 |
| Cash dividends to net income (ytd only)* | 14.7232% | 3,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6378% | 464 |
| Loan loss allowance to noncurrent loans | 889.9225% | 656 |
| Noncurrent assets plus other real estate owned to assets | 2.2660% | 1,063 |
| Noncurrent loans to loans | 0.2964% | 4,788 |
| Net loans and leases to total assets | 31.4905% | 6,131 |
| Net loans and leases to deposits | 42.9941% | 5,928 |
| Net loans and leases to core deposits | 47.9625% | 5,813 |
| Total domestic deposits to total assets | 73.2438% | 5,999 |
| Equity capital to assets | 12.3031% | 1,779 |
| Core capital (leverage) ratio | 11.8101% | 1,755 |
| Tier 1 risk-based capital ratio | 21.4796% | 1,315 |
| Total risk-based capital ratio | 22.7331% | 1,286 |
| Memoranda: | ||
| Average total assets | $407,936,000 | 1,618 |
| Average earning assets | $361,767,800 | 1,659 |
| Average equity | $46,031,000 | 1,560 |
| Average total loans | $131,158,000 | 2,849 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3772% | 2,310 |
| Cost of funding earning assets | 1.0881% | 157 |
| Net interest margin | 3.2892% | 4,647 |
| Noninterest income to average assets | 0.7345% | 2,162 |
| Noninterest expense to average assets | 2.3227% | 5,050 |
| Loan and lease loss provision to assets | 0.0391% | 3,628 |
| Net operating income to assets | 0.8342% | 3,264 |
| Return on assets (ROA) | 0.8195% | 3,436 |
| Pretax return on assets | 1.2671% | 2,503 |
| Return on Equity (ROE) | 7.4284% | 3,479 |
| Retained earnings to average equity (ytd only) | 5.9510% | 2,445 |
| Net charge-offs to loans | 0.0102% | 4,382 |
| Credit loss provision to net charge-offs | 1,200.0000% | 285 |
| Earnings coverage of net charge-offs (x) | 407.6917% | 179 |
| Efficiency ratio | 63.3604% | 4,651 |
| Assets per employee ($millions) | 4.5622% | 2,866 |
| Cash dividends to net income (ytd only)* | 19.8886% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5953% | 579 |
| Loan loss allowance to noncurrent loans | 482.7972% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 2.3097% | 1,178 |
| Noncurrent loans to loans | 0.5376% | 4,325 |
| Net loans and leases to total assets | 31.2064% | 6,215 |
| Net loans and leases to deposits | 43.3234% | 6,008 |
| Net loans and leases to core deposits | 47.3813% | 5,910 |
| Total domestic deposits to total assets | 72.0313% | 6,168 |
| Equity capital to assets | 11.5709% | 2,415 |
| Core capital (leverage) ratio | 11.7707% | 1,853 |
| Tier 1 risk-based capital ratio | 20.8549% | 1,480 |
| Total risk-based capital ratio | 22.1078% | 1,457 |
| Memoranda: | ||
| Average total assets | $409,002,250 | 1,633 |
| Average earning assets | $362,715,250 | 1,670 |
| Average equity | $45,122,750 | 1,600 |
| Average total loans | $131,307,000 | 2,848 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4289% | 2,065 |
| Cost of funding earning assets | 1.0936% | 151 |
| Net interest margin | 3.3353% | 4,452 |
| Noninterest income to average assets | 0.8684% | 1,595 |
| Noninterest expense to average assets | 2.3482% | 5,028 |
| Loan and lease loss provision to assets | 0.0590% | 3,093 |
| Net operating income to assets | 0.9090% | 2,760 |
| Return on assets (ROA) | 0.8886% | 2,961 |
| Pretax return on assets | 1.3805% | 1,968 |
| Return on Equity (ROE) | 8.1901% | 2,992 |
| Retained earnings to average equity (ytd only) | 5.9251% | 2,366 |
| Net charge-offs to loans | 0.0214% | 3,780 |
| Credit loss provision to net charge-offs | 857.1429% | 382 |
| Earnings coverage of net charge-offs (x) | 213.8571% | 314 |
| Efficiency ratio | 61.2326% | 5,111 |
| Assets per employee ($millions) | 4.5723% | 2,810 |
| Cash dividends to net income (ytd only)* | 27.6549% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6152% | 595 |
| Loan loss allowance to noncurrent loans | 423.0675% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 2.4598% | 1,161 |
| Noncurrent loans to loans | 0.6182% | 4,169 |
| Net loans and leases to total assets | 31.5518% | 6,258 |
| Net loans and leases to deposits | 43.8761% | 5,990 |
| Net loans and leases to core deposits | 48.4762% | 5,880 |
| Total domestic deposits to total assets | 71.9111% | 6,256 |
| Equity capital to assets | 11.4770% | 2,449 |
| Core capital (leverage) ratio | 11.7181% | 1,837 |
| Tier 1 risk-based capital ratio | 20.9897% | 1,449 |
| Total risk-based capital ratio | 22.2429% | 1,423 |
| Memoranda: | ||
| Average total assets | $406,949,330 | 1,635 |
| Average earning assets | $360,090,330 | 1,679 |
| Average equity | $44,151,000 | 1,617 |
| Average total loans | $130,739,670 | 2,861 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3394% | 2,367 |
| Cost of funding earning assets | 1.0940% | 169 |
| Net interest margin | 3.2453% | 4,754 |
| Noninterest income to average assets | 0.8188% | 1,680 |
| Noninterest expense to average assets | 2.3472% | 5,077 |
| Loan and lease loss provision to assets | 0.0590% | 2,931 |
| Net operating income to assets | 0.8677% | 2,807 |
| Return on assets (ROA) | 0.8276% | 3,085 |
| Pretax return on assets | 1.2139% | 2,427 |
| Return on Equity (ROE) | 7.8555% | 3,009 |
| Retained earnings to average equity (ytd only) | 3.1907% | 4,208 |
| Net charge-offs to loans | 0.1014% | 2,155 |
| Credit loss provision to net charge-offs | 181.8182% | 1,115 |
| Earnings coverage of net charge-offs (x) | 41.0606% | 862 |
| Efficiency ratio | 63.5586% | 4,928 |
| Assets per employee ($millions) | 4.5985% | 2,819 |
| Cash dividends to net income (ytd only)* | 59.3824% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5965% | 717 |
| Loan loss allowance to noncurrent loans | 445.0462% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 2.6269% | 1,178 |
| Noncurrent loans to loans | 0.5834% | 4,410 |
| Net loans and leases to total assets | 30.8808% | 6,313 |
| Net loans and leases to deposits | 42.5850% | 6,043 |
| Net loans and leases to core deposits | 47.6703% | 5,894 |
| Total domestic deposits to total assets | 72.5157% | 6,337 |
| Equity capital to assets | 10.8880% | 2,838 |
| Core capital (leverage) ratio | 11.5128% | 1,956 |
| Tier 1 risk-based capital ratio | 20.5765% | 1,563 |
| Total risk-based capital ratio | 21.8297% | 1,534 |
| Memoranda: | ||
| Average total assets | $406,955,500 | 1,644 |
| Average earning assets | $358,669,000 | 1,694 |
| Average equity | $42,874,500 | 1,657 |
| Average total loans | $130,187,500 | 2,876 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1756% | 3,430 |
| Cost of funding earning assets | 1.1274% | 244 |
| Net interest margin | 3.0482% | 5,452 |
| Noninterest income to average assets | 0.5859% | 3,174 |
| Noninterest expense to average assets | 2.3768% | 5,139 |
| Loan and lease loss provision to assets | 0.0782% | 3,545 |
| Net operating income to assets | 0.6961% | 3,811 |
| Return on assets (ROA) | 0.6818% | 3,983 |
| Pretax return on assets | 0.8055% | 4,123 |
| Return on Equity (ROE) | 6.2087% | 3,967 |
| Retained earnings to average equity (ytd only) | 5.1125% | 2,519 |
| Net charge-offs to loans | 0.0612% | 4,355 |
| Credit loss provision to net charge-offs | 396.3415% | 576 |
| Earnings coverage of net charge-offs (x) | 45.6220% | 853 |
| Efficiency ratio | 72.0435% | 3,462 |
| Assets per employee ($millions) | 4.5466% | 2,829 |
| Cash dividends to net income (ytd only)* | 17.6554% | 3,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5585% | 767 |
| Loan loss allowance to noncurrent loans | 460.3306% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 2.8062% | 1,164 |
| Noncurrent loans to loans | 0.5558% | 4,601 |
| Net loans and leases to total assets | 31.4546% | 6,416 |
| Net loans and leases to deposits | 43.0475% | 6,175 |
| Net loans and leases to core deposits | 48.0872% | 6,027 |
| Total domestic deposits to total assets | 73.0694% | 6,352 |
| Equity capital to assets | 10.1788% | 3,535 |
| Core capital (leverage) ratio | 10.9670% | 2,422 |
| Tier 1 risk-based capital ratio | 19.4997% | 1,788 |
| Total risk-based capital ratio | 20.7519% | 1,748 |
| Memoranda: | ||
| Average total assets | $415,396,000 | 1,588 |
| Average earning assets | $366,776,200 | 1,647 |
| Average equity | $45,613,600 | 1,534 |
| Average total loans | $134,095,200 | 2,790 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9610% | 4,280 |
| Cost of funding earning assets | 1.1247% | 268 |
| Net interest margin | 2.8363% | 5,952 |
| Noninterest income to average assets | 0.8738% | 1,846 |
| Noninterest expense to average assets | 2.3832% | 5,069 |
| Loan and lease loss provision to assets | 0.1036% | 3,034 |
| Net operating income to assets | 0.6383% | 4,188 |
| Return on assets (ROA) | 0.6356% | 4,312 |
| Pretax return on assets | 0.8917% | 3,923 |
| Return on Equity (ROE) | 5.6876% | 4,354 |
| Retained earnings to average equity (ytd only) | 4.2607% | 3,648 |
| Net charge-offs to loans | 0.0543% | 4,127 |
| Credit loss provision to net charge-offs | 590.9091% | 479 |
| Earnings coverage of net charge-offs (x) | 56.9648% | 787 |
| Efficiency ratio | 69.8567% | 3,776 |
| Assets per employee ($millions) | 4.5217% | 2,849 |
| Cash dividends to net income (ytd only)* | 25.0878% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5084% | 922 |
| Loan loss allowance to noncurrent loans | 581.8653% | 782 |
| Noncurrent assets plus other real estate owned to assets | 3.0777% | 1,197 |
| Noncurrent loans to loans | 0.4311% | 5,122 |
| Net loans and leases to total assets | 31.4767% | 6,477 |
| Net loans and leases to deposits | 42.8033% | 6,272 |
| Net loans and leases to core deposits | 47.8011% | 6,136 |
| Total domestic deposits to total assets | 73.5378% | 6,400 |
| Equity capital to assets | 10.1413% | 3,715 |
| Core capital (leverage) ratio | 10.7408% | 2,738 |
| Tier 1 risk-based capital ratio | 18.7089% | 2,078 |
| Total risk-based capital ratio | 19.9609% | 2,046 |
| Memoranda: | ||
| Average total assets | $418,084,000 | 1,588 |
| Average earning assets | $369,764,000 | 1,642 |
| Average equity | $46,720,000 | 1,512 |
| Average total loans | $134,963,750 | 2,787 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9555% | 4,277 |
| Cost of funding earning assets | 1.1248% | 302 |
| Net interest margin | 2.8308% | 5,943 |
| Noninterest income to average assets | 0.9499% | 1,655 |
| Noninterest expense to average assets | 2.3716% | 5,136 |
| Loan and lease loss provision to assets | 0.1075% | 3,000 |
| Net operating income to assets | 0.6842% | 3,882 |
| Return on assets (ROA) | 0.6839% | 4,050 |
| Pretax return on assets | 0.9776% | 3,613 |
| Return on Equity (ROE) | 5.9381% | 4,211 |
| Retained earnings to average equity (ytd only) | 3.8647% | 3,838 |
| Net charge-offs to loans | 0.0488% | 3,994 |
| Credit loss provision to net charge-offs | 681.8182% | 432 |
| Earnings coverage of net charge-offs (x) | 68.8788% | 645 |
| Efficiency ratio | 68.0343% | 4,180 |
| Assets per employee ($millions) | 4.7377% | 2,470 |
| Cash dividends to net income (ytd only)* | 34.9162% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3638% | 1,148 |
| Loan loss allowance to noncurrent loans | 290.7244% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 3.3295% | 1,176 |
| Noncurrent loans to loans | 0.8131% | 4,289 |
| Net loans and leases to total assets | 31.8794% | 6,513 |
| Net loans and leases to deposits | 44.6391% | 6,189 |
| Net loans and leases to core deposits | 49.5782% | 6,044 |
| Total domestic deposits to total assets | 71.4157% | 6,593 |
| Equity capital to assets | 10.9248% | 2,823 |
| Core capital (leverage) ratio | 10.7290% | 2,637 |
| Tier 1 risk-based capital ratio | 18.6983% | 2,082 |
| Total risk-based capital ratio | 19.9495% | 2,051 |
| Memoranda: | ||
| Average total assets | $418,780,670 | 1,588 |
| Average earning assets | $370,924,330 | 1,633 |
| Average equity | $48,231,000 | 1,476 |
| Average total loans | $135,181,670 | 2,782 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9134% | 4,425 |
| Cost of funding earning assets | 1.1425% | 297 |
| Net interest margin | 2.7708% | 6,088 |
| Noninterest income to average assets | 0.8762% | 1,842 |
| Noninterest expense to average assets | 2.2710% | 5,500 |
| Loan and lease loss provision to assets | 0.0800% | 3,309 |
| Net operating income to assets | 0.6986% | 3,693 |
| Return on assets (ROA) | 0.6979% | 3,836 |
| Pretax return on assets | 0.9764% | 3,456 |
| Return on Equity (ROE) | 5.9036% | 4,103 |
| Retained earnings to average equity (ytd only) | 1.8265% | 5,082 |
| Net charge-offs to loans | 0.0240% | 3,700 |
| Credit loss provision to net charge-offs | 1,037.5000% | 304 |
| Earnings coverage of net charge-offs (x) | 137.1250% | 284 |
| Efficiency ratio | 67.7092% | 4,366 |
| Assets per employee ($millions) | 4.7377% | 2,586 |
| Cash dividends to net income (ytd only)* | 69.0608% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2169% | 1,555 |
| Loan loss allowance to noncurrent loans | 247.9688% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 3.7736% | 1,094 |
| Noncurrent loans to loans | 0.8940% | 4,347 |
| Net loans and leases to total assets | 32.4730% | 6,488 |
| Net loans and leases to deposits | 44.5814% | 6,154 |
| Net loans and leases to core deposits | 48.5860% | 6,063 |
| Total domestic deposits to total assets | 72.8398% | 6,615 |
| Equity capital to assets | 11.3681% | 2,560 |
| Core capital (leverage) ratio | 10.7915% | 2,466 |
| Tier 1 risk-based capital ratio | 18.7196% | 2,123 |
| Total risk-based capital ratio | 19.9678% | 2,096 |
| Memoranda: | ||
| Average total assets | $414,973,500 | 1,611 |
| Average earning assets | $367,253,500 | 1,665 |
| Average equity | $49,055,000 | 1,475 |
| Average total loans | $133,161,000 | 2,836 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6322% | 6,165 |
| Cost of funding earning assets | 1.3101% | 360 |
| Net interest margin | 2.3221% | 6,828 |
| Noninterest income to average assets | 0.5354% | 3,678 |
| Noninterest expense to average assets | 2.2803% | 5,742 |
| Loan and lease loss provision to assets | 0.3016% | 2,265 |
| Net operating income to assets | 0.2237% | 5,725 |
| Return on assets (ROA) | 0.2228% | 5,916 |
| Pretax return on assets | -0.0172% | 6,302 |
| Return on Equity (ROE) | 1.7893% | 5,964 |
| Retained earnings to average equity (ytd only) | 0.7610% | 5,482 |
| Net charge-offs to loans | 0.5573% | 2,072 |
| Credit loss provision to net charge-offs | 207.3944% | 1,231 |
| Earnings coverage of net charge-offs (x) | 1.9665% | 4,437 |
| Efficiency ratio | 88.5563% | 1,191 |
| Assets per employee ($millions) | 5.0484% | 2,172 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5165% | 1,111 |
| Loan loss allowance to noncurrent loans | 379.3146% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 3.9336% | 1,099 |
| Noncurrent loans to loans | 0.6634% | 4,870 |
| Net loans and leases to total assets | 30.1010% | 6,694 |
| Net loans and leases to deposits | 42.9082% | 6,429 |
| Net loans and leases to core deposits | 48.2121% | 6,254 |
| Total domestic deposits to total assets | 70.1522% | 6,777 |
| Equity capital to assets | 12.3111% | 1,850 |
| Core capital (leverage) ratio | 11.5958% | 1,808 |
| Tier 1 risk-based capital ratio | 21.0065% | 1,460 |
| Total risk-based capital ratio | 22.2584% | 1,432 |
| Memoranda: | ||
| Average total assets | $390,562,800 | 1,678 |
| Average earning assets | $341,583,000 | 1,745 |
| Average equity | $48,622,400 | 1,446 |
| Average total loans | $101,920,600 | 3,472 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5877% | 6,410 |
| Cost of funding earning assets | 1.3480% | 355 |
| Net interest margin | 2.2397% | 6,976 |
| Noninterest income to average assets | 0.5069% | 3,877 |
| Noninterest expense to average assets | 2.2592% | 5,796 |
| Loan and lease loss provision to assets | 0.2155% | 2,908 |
| Net operating income to assets | 0.1714% | 5,984 |
| Return on assets (ROA) | 0.1699% | 6,139 |
| Pretax return on assets | -0.0161% | 6,412 |
| Return on Equity (ROE) | 1.3607% | 6,180 |
| Retained earnings to average equity (ytd only) | -0.0138% | 6,076 |
| Net charge-offs to loans | 0.7397% | 1,495 |
| Credit loss provision to net charge-offs | 117.1642% | 2,482 |
| Earnings coverage of net charge-offs (x) | 1.0970% | 4,752 |
| Efficiency ratio | 91.4796% | 922 |
| Assets per employee ($millions) | 4.9651% | 2,235 |
| Cash dividends to net income (ytd only)* | 101.0106% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3959% | 1,371 |
| Loan loss allowance to noncurrent loans | 384.6498% | 977 |
| Noncurrent assets plus other real estate owned to assets | 4.1334% | 1,162 |
| Noncurrent loans to loans | 0.6229% | 5,195 |
| Net loans and leases to total assets | 26.8061% | 6,904 |
| Net loans and leases to deposits | 38.6178% | 6,734 |
| Net loans and leases to core deposits | 41.6538% | 6,679 |
| Total domestic deposits to total assets | 69.4139% | 6,871 |
| Equity capital to assets | 12.4436% | 1,934 |
| Core capital (leverage) ratio | 11.4302% | 2,034 |
| Tier 1 risk-based capital ratio | 21.5746% | 1,405 |
| Total risk-based capital ratio | 22.8200% | 1,382 |
| Memoranda: | ||
| Average total assets | $388,498,500 | 1,708 |
| Average earning assets | $338,968,000 | 1,780 |
| Average equity | $48,503,250 | 1,462 |
| Average total loans | $96,613,750 | 3,641 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6186% | 6,461 |
| Cost of funding earning assets | 1.3856% | 371 |
| Net interest margin | 2.2330% | 7,036 |
| Noninterest income to average assets | 0.8170% | 2,107 |
| Noninterest expense to average assets | 2.2688% | 5,820 |
| Loan and lease loss provision to assets | 0.1952% | 3,131 |
| Net operating income to assets | 0.3796% | 5,300 |
| Return on assets (ROA) | 0.3791% | 5,535 |
| Pretax return on assets | 0.2959% | 5,971 |
| Return on Equity (ROE) | 3.0330% | 5,682 |
| Retained earnings to average equity (ytd only) | 0.9669% | 5,687 |
| Net charge-offs to loans | 0.6329% | 1,738 |
| Credit loss provision to net charge-offs | 128.5714% | 2,140 |
| Earnings coverage of net charge-offs (x) | 3.2381% | 3,444 |
| Efficiency ratio | 81.9083% | 1,890 |
| Assets per employee ($millions) | 4.8780% | 2,319 |
| Cash dividends to net income (ytd only)* | 68.1199% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7137% | 1,020 |
| Loan loss allowance to noncurrent loans | 319.6273% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 4.2666% | 1,171 |
| Noncurrent loans to loans | 0.8490% | 4,822 |
| Net loans and leases to total assets | 23.6375% | 7,045 |
| Net loans and leases to deposits | 34.9798% | 6,895 |
| Net loans and leases to core deposits | 36.9422% | 6,892 |
| Total domestic deposits to total assets | 67.5747% | 7,010 |
| Equity capital to assets | 12.6236% | 1,738 |
| Core capital (leverage) ratio | 11.6623% | 1,805 |
| Tier 1 risk-based capital ratio | 22.9230% | 1,141 |
| Total risk-based capital ratio | 24.1737% | 1,122 |
| Memoranda: | ||
| Average total assets | $387,250,330 | 1,709 |
| Average earning assets | $337,032,000 | 1,784 |
| Average equity | $48,401,330 | 1,456 |
| Average total loans | $92,909,670 | 3,733 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5952% | 6,581 |
| Cost of funding earning assets | 1.3985% | 432 |
| Net interest margin | 2.1968% | 7,093 |
| Noninterest income to average assets | 0.7217% | 2,550 |
| Noninterest expense to average assets | 2.2874% | 5,799 |
| Loan and lease loss provision to assets | 0.0290% | 5,001 |
| Net operating income to assets | 0.3401% | 5,512 |
| Return on assets (ROA) | 0.3391% | 5,696 |
| Pretax return on assets | 0.3360% | 5,891 |
| Return on Equity (ROE) | 2.7266% | 5,819 |
| Retained earnings to average equity (ytd only) | -1.4425% | 6,212 |
| Net charge-offs to loans | 0.9352% | 1,106 |
| Credit loss provision to net charge-offs | 13.0233% | 3,863 |
| Earnings coverage of net charge-offs (x) | 1.6419% | 3,502 |
| Efficiency ratio | 85.8929% | 1,496 |
| Assets per employee ($millions) | 4.8215% | 2,480 |
| Cash dividends to net income (ytd only)* | 152.9052% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4784% | 1,389 |
| Loan loss allowance to noncurrent loans | 168.7683% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 4.4745% | 1,197 |
| Noncurrent loans to loans | 1.4685% | 3,917 |
| Net loans and leases to total assets | 23.4834% | 7,092 |
| Net loans and leases to deposits | 34.4268% | 6,937 |
| Net loans and leases to core deposits | 35.9430% | 6,943 |
| Total domestic deposits to total assets | 68.2124% | 7,046 |
| Equity capital to assets | 12.2522% | 1,875 |
| Core capital (leverage) ratio | 11.8442% | 1,677 |
| Tier 1 risk-based capital ratio | 23.6743% | 1,048 |
| Total risk-based capital ratio | 24.8745% | 1,036 |
| Memoranda: | ||
| Average total assets | $385,757,500 | 1,719 |
| Average earning assets | $339,227,500 | 1,782 |
| Average equity | $47,971,000 | 1,458 |
| Average total loans | $91,957,000 | 3,781 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1679% | 6,146 |
| Cost of funding earning assets | 1.5609% | 555 |
| Net interest margin | 2.6070% | 6,996 |
| Noninterest income to average assets | 0.5763% | 3,321 |
| Noninterest expense to average assets | 2.4550% | 5,621 |
| Loan and lease loss provision to assets | 0.3789% | 2,729 |
| Net operating income to assets | 0.1547% | 5,720 |
| Return on assets (ROA) | 0.1313% | 5,916 |
| Pretax return on assets | -0.0050% | 6,135 |
| Return on Equity (ROE) | 1.0656% | 5,952 |
| Retained earnings to average equity (ytd only) | -0.0021% | 5,843 |
| Net charge-offs to loans | 1.5342% | 1,038 |
| Credit loss provision to net charge-offs | 96.5147% | 3,735 |
| Earnings coverage of net charge-offs (x) | 1.0456% | 5,006 |
| Efficiency ratio | 85.5831% | 1,606 |
| Assets per employee ($millions) | 4.7048% | 2,597 |
| Cash dividends to net income (ytd only)* | 100.2004% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7342% | 1,052 |
| Loan loss allowance to noncurrent loans | 89.1156% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 4.8629% | 1,112 |
| Noncurrent loans to loans | 3.0682% | 2,111 |
| Net loans and leases to total assets | 22.9508% | 7,170 |
| Net loans and leases to deposits | 34.1514% | 7,040 |
| Net loans and leases to core deposits | 35.9919% | 7,037 |
| Total domestic deposits to total assets | 67.2030% | 7,102 |
| Equity capital to assets | 12.6189% | 1,730 |
| Core capital (leverage) ratio | 11.6737% | 1,779 |
| Tier 1 risk-based capital ratio | 24.8120% | 886 |
| Total risk-based capital ratio | 26.0642% | 877 |
| Memoranda: | ||
| Average total assets | $380,038,000 | 1,701 |
| Average earning assets | $333,718,800 | 1,778 |
| Average equity | $46,826,400 | 1,455 |
| Average total loans | $97,249,600 | 3,689 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2732% | 6,023 |
| Cost of funding earning assets | 1.5928% | 603 |
| Net interest margin | 2.6804% | 7,003 |
| Noninterest income to average assets | 0.5367% | 3,604 |
| Noninterest expense to average assets | 2.4476% | 5,637 |
| Loan and lease loss provision to assets | 0.3627% | 2,690 |
| Net operating income to assets | 0.2483% | 5,576 |
| Return on assets (ROA) | 0.2039% | 5,822 |
| Pretax return on assets | 0.0331% | 6,185 |
| Return on Equity (ROE) | 1.6651% | 5,877 |
| Retained earnings to average equity (ytd only) | 0.2272% | 5,890 |
| Net charge-offs to loans | 0.5303% | 2,641 |
| Credit loss provision to net charge-offs | 262.0865% | 1,090 |
| Earnings coverage of net charge-offs (x) | 3.1807% | 3,548 |
| Efficiency ratio | 84.7195% | 1,663 |
| Assets per employee ($millions) | 4.7997% | 2,473 |
| Cash dividends to net income (ytd only)* | 86.3559% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4809% | 574 |
| Loan loss allowance to noncurrent loans | 55.8111% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 5.6022% | 988 |
| Noncurrent loans to loans | 6.2370% | 871 |
| Net loans and leases to total assets | 22.6729% | 7,249 |
| Net loans and leases to deposits | 33.6751% | 7,139 |
| Net loans and leases to core deposits | 35.2012% | 7,138 |
| Total domestic deposits to total assets | 67.3283% | 7,163 |
| Equity capital to assets | 12.6147% | 1,841 |
| Core capital (leverage) ratio | 11.9508% | 1,732 |
| Tier 1 risk-based capital ratio | 25.2786% | 887 |
| Total risk-based capital ratio | 26.5351% | 877 |
| Memoranda: | ||
| Average total assets | $378,598,750 | 1,721 |
| Average earning assets | $332,076,500 | 1,796 |
| Average equity | $46,362,250 | 1,471 |
| Average total loans | $98,804,000 | 3,676 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3479% | 5,851 |
| Cost of funding earning assets | 1.6398% | 590 |
| Net interest margin | 2.7080% | 7,018 |
| Noninterest income to average assets | 0.4909% | 3,940 |
| Noninterest expense to average assets | 2.4786% | 5,618 |
| Loan and lease loss provision to assets | 0.4424% | 2,226 |
| Net operating income to assets | 0.1614% | 5,852 |
| Return on assets (ROA) | 0.0901% | 6,121 |
| Pretax return on assets | -0.1727% | 6,431 |
| Return on Equity (ROE) | 0.7434% | 6,138 |
| Retained earnings to average equity (ytd only) | -1.4559% | 6,150 |
| Net charge-offs to loans | 0.5114% | 2,568 |
| Credit loss provision to net charge-offs | 320.4633% | 946 |
| Earnings coverage of net charge-offs (x) | 2.7606% | 3,464 |
| Efficiency ratio | 86.6729% | 1,534 |
| Assets per employee ($millions) | 4.7936% | 2,415 |
| Cash dividends to net income (ytd only)* | 295.8580% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2957% | 706 |
| Loan loss allowance to noncurrent loans | 55.2183% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 5.7613% | 999 |
| Noncurrent loans to loans | 5.9684% | 1,005 |
| Net loans and leases to total assets | 23.8041% | 7,320 |
| Net loans and leases to deposits | 35.3349% | 7,185 |
| Net loans and leases to core deposits | 37.5766% | 7,183 |
| Total domestic deposits to total assets | 67.3670% | 7,221 |
| Equity capital to assets | 12.3735% | 1,860 |
| Core capital (leverage) ratio | 12.0146% | 1,587 |
| Tier 1 risk-based capital ratio | 24.6826% | 930 |
| Total risk-based capital ratio | 25.9382% | 912 |
| Memoranda: | ||
| Average total assets | $375,206,000 | 1,741 |
| Average earning assets | $328,206,670 | 1,816 |
| Average equity | $45,468,670 | 1,482 |
| Average total loans | $101,296,670 | 3,654 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5278% | 5,247 |
| Cost of funding earning assets | 1.6808% | 603 |
| Net interest margin | 2.8470% | 6,840 |
| Noninterest income to average assets | 0.4280% | 4,474 |
| Noninterest expense to average assets | 2.4255% | 5,811 |
| Loan and lease loss provision to assets | 0.7869% | 1,085 |
| Net operating income to assets | 0.0387% | 6,260 |
| Return on assets (ROA) | 0.0194% | 6,348 |
| Pretax return on assets | -0.3277% | 6,640 |
| Return on Equity (ROE) | 0.1619% | 6,351 |
| Retained earnings to average equity (ytd only) | 0.1619% | 5,742 |
| Net charge-offs to loans | 0.5461% | 2,129 |
| Credit loss provision to net charge-offs | 510.4895% | 704 |
| Earnings coverage of net charge-offs (x) | 3.1748% | 2,826 |
| Efficiency ratio | 83.2101% | 2,052 |
| Assets per employee ($millions) | 4.8815% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1002% | 835 |
| Loan loss allowance to noncurrent loans | 86.2659% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 4.9301% | 1,277 |
| Noncurrent loans to loans | 3.5938% | 2,066 |
| Net loans and leases to total assets | 26.7044% | 7,327 |
| Net loans and leases to deposits | 40.0675% | 7,101 |
| Net loans and leases to core deposits | 42.6738% | 7,085 |
| Total domestic deposits to total assets | 66.6485% | 7,310 |
| Equity capital to assets | 12.0683% | 1,879 |
| Core capital (leverage) ratio | 12.4324% | 1,358 |
| Tier 1 risk-based capital ratio | 24.2561% | 950 |
| Total risk-based capital ratio | 25.5114% | 936 |
| Memoranda: | ||
| Average total assets | $371,064,500 | 1,779 |
| Average earning assets | $324,130,000 | 1,851 |
| Average equity | $44,477,500 | 1,502 |
| Average total loans | $104,746,500 | 3,605 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9553% | 4,762 |
| Cost of funding earning assets | 1.8679% | 949 |
| Net interest margin | 3.0875% | 6,549 |
| Noninterest income to average assets | 0.4844% | 4,289 |
| Noninterest expense to average assets | 2.4454% | 5,957 |
| Loan and lease loss provision to assets | 0.4133% | 3,626 |
| Net operating income to assets | 0.4005% | 4,536 |
| Return on assets (ROA) | 0.3805% | 4,781 |
| Pretax return on assets | 0.3178% | 5,182 |
| Return on Equity (ROE) | 3.0669% | 4,930 |
| Retained earnings to average equity (ytd only) | 3.0669% | 3,706 |
| Net charge-offs to loans | 1.2412% | 1,809 |
| Credit loss provision to net charge-offs | 106.0192% | 4,222 |
| Earnings coverage of net charge-offs (x) | 1.9268% | 4,284 |
| Efficiency ratio | 76.5035% | 2,964 |
| Assets per employee ($millions) | 4.6421% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3399% | 1,634 |
| Loan loss allowance to noncurrent loans | 44.0993% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 5.3844% | 1,153 |
| Noncurrent loans to loans | 5.3059% | 1,250 |
| Net loans and leases to total assets | 28.2051% | 7,398 |
| Net loans and leases to deposits | 42.6576% | 7,162 |
| Net loans and leases to core deposits | 45.2528% | 7,164 |
| Total domestic deposits to total assets | 66.1198% | 7,388 |
| Equity capital to assets | 11.9068% | 1,963 |
| Core capital (leverage) ratio | 11.9529% | 1,582 |
| Tier 1 risk-based capital ratio | 23.2031% | 1,012 |
| Total risk-based capital ratio | 24.4535% | 992 |
| Memoranda: | ||
| Average total assets | $375,070,800 | 1,757 |
| Average earning assets | $329,462,600 | 1,812 |
| Average equity | $46,529,200 | 1,444 |
| Average total loans | $117,791,400 | 3,362 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0358% | 4,649 |
| Cost of funding earning assets | 1.9002% | 1,027 |
| Net interest margin | 3.1357% | 6,520 |
| Noninterest income to average assets | 0.5560% | 3,745 |
| Noninterest expense to average assets | 2.4892% | 5,750 |
| Loan and lease loss provision to assets | 0.4446% | 3,247 |
| Net operating income to assets | 0.4670% | 4,456 |
| Return on assets (ROA) | 0.4670% | 4,649 |
| Pretax return on assets | 0.3792% | 5,286 |
| Return on Equity (ROE) | 3.7272% | 4,902 |
| Retained earnings to average equity (ytd only) | 3.7272% | 3,840 |
| Net charge-offs to loans | 0.5929% | 2,963 |
| Credit loss provision to net charge-offs | 234.0824% | 1,450 |
| Earnings coverage of net charge-offs (x) | 4.3371% | 3,093 |
| Efficiency ratio | 75.1342% | 3,121 |
| Assets per employee ($millions) | 4.8597% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8230% | 986 |
| Loan loss allowance to noncurrent loans | 87.2762% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 4.7500% | 1,386 |
| Noncurrent loans to loans | 3.2345% | 2,449 |
| Net loans and leases to total assets | 28.4145% | 7,501 |
| Net loans and leases to deposits | 42.9545% | 7,275 |
| Net loans and leases to core deposits | 46.8998% | 7,234 |
| Total domestic deposits to total assets | 66.1502% | 7,464 |
| Equity capital to assets | 12.8762% | 1,641 |
| Core capital (leverage) ratio | 12.0310% | 1,652 |
| Tier 1 risk-based capital ratio | 23.2128% | 1,036 |
| Total risk-based capital ratio | 24.4674% | 1,010 |
| Memoranda: | ||
| Average total assets | $374,835,250 | 1,781 |
| Average earning assets | $329,577,750 | 1,838 |
| Average equity | $46,968,750 | 1,435 |
| Average total loans | $120,090,250 | 3,365 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1405% | 4,246 |
| Cost of funding earning assets | 1.9569% | 1,022 |
| Net interest margin | 3.1836% | 6,368 |
| Noninterest income to average assets | 0.5648% | 3,588 |
| Noninterest expense to average assets | 2.4615% | 5,871 |
| Loan and lease loss provision to assets | 0.3900% | 3,380 |
| Net operating income to assets | 0.5347% | 4,177 |
| Return on assets (ROA) | 0.5347% | 4,325 |
| Pretax return on assets | 0.5067% | 4,882 |
| Return on Equity (ROE) | 4.3080% | 4,642 |
| Retained earnings to average equity (ytd only) | 4.3080% | 3,338 |
| Net charge-offs to loans | 0.5803% | 2,794 |
| Credit loss provision to net charge-offs | 203.6517% | 1,913 |
| Earnings coverage of net charge-offs (x) | 4.6826% | 2,882 |
| Efficiency ratio | 73.2981% | 3,596 |
| Assets per employee ($millions) | 4.7884% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4152% | 1,414 |
| Loan loss allowance to noncurrent loans | 55.2250% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 5.0589% | 1,263 |
| Noncurrent loans to loans | 4.3735% | 1,685 |
| Net loans and leases to total assets | 30.1410% | 7,532 |
| Net loans and leases to deposits | 45.1929% | 7,285 |
| Net loans and leases to core deposits | 48.0675% | 7,281 |
| Total domestic deposits to total assets | 66.6940% | 7,502 |
| Equity capital to assets | 12.6203% | 1,730 |
| Core capital (leverage) ratio | 11.9736% | 1,656 |
| Tier 1 risk-based capital ratio | 23.1772% | 1,041 |
| Total risk-based capital ratio | 24.4295% | 1,020 |
| Memoranda: | ||
| Average total assets | $371,808,000 | 1,804 |
| Average earning assets | $326,231,330 | 1,864 |
| Average equity | $46,147,000 | 1,458 |
| Average total loans | $122,701,330 | 3,350 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1578% | 4,256 |
| Cost of funding earning assets | 2.0111% | 1,048 |
| Net interest margin | 3.1468% | 6,466 |
| Noninterest income to average assets | 0.5068% | 3,995 |
| Noninterest expense to average assets | 2.3985% | 6,093 |
| Loan and lease loss provision to assets | 0.4070% | 2,925 |
| Net operating income to assets | 0.5101% | 4,345 |
| Return on assets (ROA) | 0.5101% | 4,484 |
| Pretax return on assets | 0.4558% | 5,106 |
| Return on Equity (ROE) | 4.1455% | 4,822 |
| Retained earnings to average equity (ytd only) | 4.1455% | 3,659 |
| Net charge-offs to loans | 0.2229% | 3,597 |
| Credit loss provision to net charge-offs | 535.7143% | 789 |
| Earnings coverage of net charge-offs (x) | 11.3571% | 1,650 |
| Efficiency ratio | 73.5441% | 3,652 |
| Assets per employee ($millions) | 4.7301% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2945% | 1,584 |
| Loan loss allowance to noncurrent loans | 55.3260% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 5.2743% | 1,191 |
| Noncurrent loans to loans | 4.1473% | 1,857 |
| Net loans and leases to total assets | 31.4287% | 7,584 |
| Net loans and leases to deposits | 47.1823% | 7,269 |
| Net loans and leases to core deposits | 54.4000% | 7,082 |
| Total domestic deposits to total assets | 66.6111% | 7,595 |
| Equity capital to assets | 12.3754% | 1,824 |
| Core capital (leverage) ratio | 12.2377% | 1,529 |
| Tier 1 risk-based capital ratio | 22.3621% | 1,154 |
| Total risk-based capital ratio | 23.6139% | 1,132 |
| Memoranda: | ||
| Average total assets | $368,569,000 | 1,861 |
| Average earning assets | $322,616,500 | 1,929 |
| Average equity | $45,350,000 | 1,484 |
| Average total loans | $125,631,500 | 3,355 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6361% | 3,411 |
| Cost of funding earning assets | 2.4481% | 1,165 |
| Net interest margin | 3.1880% | 6,138 |
| Noninterest income to average assets | 0.6355% | 3,384 |
| Noninterest expense to average assets | 2.5529% | 5,941 |
| Loan and lease loss provision to assets | 0.8645% | 2,580 |
| Net operating income to assets | 0.2571% | 4,694 |
| Return on assets (ROA) | 0.3319% | 4,496 |
| Pretax return on assets | 0.0967% | 5,229 |
| Return on Equity (ROE) | 2.6748% | 4,636 |
| Retained earnings to average equity (ytd only) | 2.6748% | 3,279 |
| Net charge-offs to loans | 2.3821% | 962 |
| Credit loss provision to net charge-offs | 93.7308% | 5,865 |
| Earnings coverage of net charge-offs (x) | 0.9610% | 5,153 |
| Efficiency ratio | 74.2294% | 3,852 |
| Assets per employee ($millions) | 4.5433% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8716% | 2,340 |
| Loan loss allowance to noncurrent loans | 127.7604% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 4.5595% | 1,416 |
| Noncurrent loans to loans | 1.4649% | 4,469 |
| Net loans and leases to total assets | 35.3849% | 7,547 |
| Net loans and leases to deposits | 52.3173% | 7,140 |
| Net loans and leases to core deposits | 64.5493% | 7,058 |
| Total domestic deposits to total assets | 67.6352% | 7,573 |
| Equity capital to assets | 12.2313% | 1,893 |
| Core capital (leverage) ratio | 12.1221% | 1,613 |
| Tier 1 risk-based capital ratio | 21.4359% | 1,227 |
| Total risk-based capital ratio | 22.6215% | 1,210 |
| Memoranda: | ||
| Average total assets | $352,818,600 | 1,924 |
| Average earning assets | $310,285,200 | 2,001 |
| Average equity | $43,779,200 | 1,529 |
| Average total loans | $136,599,800 | 3,144 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7107% | 3,289 |
| Cost of funding earning assets | 2.5370% | 1,185 |
| Net interest margin | 3.1737% | 6,106 |
| Noninterest income to average assets | 0.6808% | 3,151 |
| Noninterest expense to average assets | 2.4487% | 6,256 |
| Loan and lease loss provision to assets | 0.4950% | 3,423 |
| Net operating income to assets | 0.4559% | 4,174 |
| Return on assets (ROA) | 0.4657% | 4,239 |
| Pretax return on assets | 0.5441% | 4,380 |
| Return on Equity (ROE) | 3.7391% | 4,480 |
| Retained earnings to average equity (ytd only) | 3.7391% | 3,199 |
| Net charge-offs to loans | 1.6929% | 1,196 |
| Credit loss provision to net charge-offs | 74.2009% | 5,900 |
| Earnings coverage of net charge-offs (x) | 1.5405% | 4,631 |
| Efficiency ratio | 70.4381% | 4,504 |
| Assets per employee ($millions) | 4.5038% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6377% | 2,856 |
| Loan loss allowance to noncurrent loans | 102.7972% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 4.5342% | 1,338 |
| Noncurrent loans to loans | 1.5932% | 4,246 |
| Net loans and leases to total assets | 36.7551% | 7,592 |
| Net loans and leases to deposits | 54.7960% | 7,158 |
| Net loans and leases to core deposits | 66.4537% | 7,141 |
| Total domestic deposits to total assets | 67.0763% | 7,634 |
| Equity capital to assets | 12.7439% | 1,805 |
| Core capital (leverage) ratio | 12.3957% | 1,620 |
| Tier 1 risk-based capital ratio | 21.4082% | 1,303 |
| Total risk-based capital ratio | 22.4713% | 1,323 |
| Memoranda: | ||
| Average total assets | $350,158,250 | 1,950 |
| Average earning assets | $308,445,000 | 2,038 |
| Average equity | $43,610,000 | 1,554 |
| Average total loans | $137,984,000 | 3,154 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7445% | 3,323 |
| Cost of funding earning assets | 2.6159% | 1,242 |
| Net interest margin | 3.1286% | 6,157 |
| Noninterest income to average assets | 0.7330% | 2,801 |
| Noninterest expense to average assets | 2.5538% | 5,930 |
| Loan and lease loss provision to assets | 0.3172% | 4,043 |
| Net operating income to assets | 0.5774% | 3,779 |
| Return on assets (ROA) | 0.5935% | 3,810 |
| Pretax return on assets | 0.6350% | 4,219 |
| Return on Equity (ROE) | 4.8038% | 4,166 |
| Retained earnings to average equity (ytd only) | 4.8038% | 2,637 |
| Net charge-offs to loans | 1.5241% | 1,247 |
| Credit loss provision to net charge-offs | 51.8868% | 5,741 |
| Earnings coverage of net charge-offs (x) | 1.5292% | 4,394 |
| Efficiency ratio | 73.2022% | 4,156 |
| Assets per employee ($millions) | 4.1707% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 3,202 |
| Loan loss allowance to noncurrent loans | 44.7385% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 4.8972% | 1,103 |
| Noncurrent loans to loans | 3.3519% | 2,098 |
| Net loans and leases to total assets | 39.7809% | 7,562 |
| Net loans and leases to deposits | 59.0543% | 6,961 |
| Net loans and leases to core deposits | 70.3991% | 6,997 |
| Total domestic deposits to total assets | 67.3633% | 7,660 |
| Equity capital to assets | 12.0211% | 2,191 |
| Core capital (leverage) ratio | 12.8132% | 1,498 |
| Tier 1 risk-based capital ratio | 20.3548% | 1,512 |
| Total risk-based capital ratio | 21.3433% | 1,527 |
| Memoranda: | ||
| Average total assets | $346,775,670 | 1,995 |
| Average earning assets | $305,440,670 | 2,081 |
| Average equity | $42,841,000 | 1,593 |
| Average total loans | $139,100,000 | 3,161 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5266% | 4,775 |
| Cost of funding earning assets | 2.7117% | 1,237 |
| Net interest margin | 2.8148% | 6,961 |
| Noninterest income to average assets | 0.6136% | 3,446 |
| Noninterest expense to average assets | 2.2560% | 6,675 |
| Loan and lease loss provision to assets | 0.3499% | 3,218 |
| Net operating income to assets | 0.4131% | 4,810 |
| Return on assets (ROA) | 0.4386% | 4,876 |
| Pretax return on assets | 0.5226% | 5,010 |
| Return on Equity (ROE) | 3.5015% | 5,169 |
| Retained earnings to average equity (ytd only) | 3.5015% | 3,947 |
| Net charge-offs to loans | 0.4202% | 2,426 |
| Credit loss provision to net charge-offs | 208.3333% | 2,147 |
| Earnings coverage of net charge-offs (x) | 5.0139% | 2,769 |
| Efficiency ratio | 72.8163% | 4,035 |
| Assets per employee ($millions) | 3.9275% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1347% | 1,173 |
| Loan loss allowance to noncurrent loans | 36.3907% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 5.9506% | 677 |
| Noncurrent loans to loans | 5.8659% | 830 |
| Net loans and leases to total assets | 38.1820% | 7,656 |
| Net loans and leases to deposits | 58.1620% | 7,024 |
| Net loans and leases to core deposits | 68.6203% | 7,103 |
| Total domestic deposits to total assets | 65.6476% | 7,757 |
| Equity capital to assets | 12.7488% | 1,860 |
| Core capital (leverage) ratio | 12.7341% | 1,592 |
| Tier 1 risk-based capital ratio | 21.1966% | 1,421 |
| Total risk-based capital ratio | 22.4210% | 1,389 |
| Memoranda: | ||
| Average total assets | $342,909,000 | 2,025 |
| Average earning assets | $302,684,000 | 2,108 |
| Average equity | $42,953,500 | 1,593 |
| Average total loans | $137,063,000 | 3,224 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4414% | 3,221 |
| Cost of funding earning assets | 3.1398% | 1,385 |
| Net interest margin | 3.3016% | 6,033 |
| Noninterest income to average assets | 0.6750% | 3,294 |
| Noninterest expense to average assets | 2.2907% | 6,728 |
| Loan and lease loss provision to assets | 0.1649% | 5,276 |
| Net operating income to assets | 0.8940% | 3,025 |
| Return on assets (ROA) | 0.0341% | 6,130 |
| Pretax return on assets | -0.1907% | 6,362 |
| Return on Equity (ROE) | 0.2870% | 6,140 |
| Retained earnings to average equity (ytd only) | -1.1016% | 5,624 |
| Net charge-offs to loans | 0.5942% | 2,049 |
| Credit loss provision to net charge-offs | 66.7408% | 6,126 |
| Earnings coverage of net charge-offs (x) | 5.3337% | 3,681 |
| Efficiency ratio | 63.4806% | 5,671 |
| Assets per employee ($millions) | 4.2970% | 2,965 |
| Cash dividends to net income (ytd only)* | 483.8710% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8666% | 1,495 |
| Loan loss allowance to noncurrent loans | 17.1796% | 7,332 |
| Noncurrent assets plus other real estate owned to assets | 6.3522% | 445 |
| Noncurrent loans to loans | 10.8649% | 175 |
| Net loans and leases to total assets | 40.1349% | 7,667 |
| Net loans and leases to deposits | 60.1948% | 7,071 |
| Net loans and leases to core deposits | 71.6529% | 7,100 |
| Total domestic deposits to total assets | 66.6750% | 7,604 |
| Equity capital to assets | 12.3102% | 2,106 |
| Core capital (leverage) ratio | 12.4845% | 1,760 |
| Tier 1 risk-based capital ratio | 20.3855% | 1,553 |
| Total risk-based capital ratio | 21.6144% | 1,527 |
| Memoranda: | ||
| Average total assets | $363,864,800 | 1,841 |
| Average earning assets | $323,300,400 | 1,883 |
| Average equity | $43,211,800 | 1,557 |
| Average total loans | $151,296,600 | 2,904 |