Home > First Security Bank > Performance and Condition Ratios
First Security Bank, Performance and Condition Ratios
| 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 | 4.1295% | 3,536 |
| Cost of funding earning assets | 0.9918% | 620 |
| Net interest margin | 3.1377% | 4,637 |
| Noninterest income to average assets | 0.4936% | 2,909 |
| Noninterest expense to average assets | 2.8861% | 2,346 |
| Loan and lease loss provision to assets | 0.0057% | 3,863 |
| Net operating income to assets | 0.4385% | 4,880 |
| Return on assets (ROA) | 0.4385% | 4,887 |
| Pretax return on assets | 0.5244% | 4,865 |
| Return on Equity (ROE) | 4.3560% | 4,732 |
| Retained earnings to average equity (ytd only) | 4.3560% | 3,579 |
| Net charge-offs to loans | 0.2668% | 625 |
| Credit loss provision to net charge-offs | 3.0266% | 3,078 |
| Earnings coverage of net charge-offs (x) | 2.8184% | 3,215 |
| Efficiency ratio | 82.9434% | 706 |
| Assets per employee ($millions) | 5.2996% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,276 |
| Loan loss allowance to noncurrent loans | 65.5177% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.4676% | 890 |
| Noncurrent loans to loans | 1.9330% | 778 |
| Net loans and leases to total assets | 70.1633% | 2,620 |
| Net loans and leases to deposits | 91.8588% | 1,644 |
| Net loans and leases to core deposits | 107.5811% | 1,194 |
| Total domestic deposits to total assets | 76.3817% | 4,747 |
| Equity capital to assets | 10.4144% | 3,222 |
| Core capital (leverage) ratio | 9.7451% | 3,903 |
| Tier 1 risk-based capital ratio | 14.2682% | 3,234 |
| Total risk-based capital ratio | 15.5189% | 3,146 |
| Memoranda: | ||
| Average total assets | $585,559,500 | 1,235 |
| Average earning assets | $545,401,750 | 1,227 |
| Average equity | $58,952,000 | 1,344 |
| Average total loans | $412,742,750 | 1,223 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0826% | 3,519 |
| Cost of funding earning assets | 0.9435% | 600 |
| Net interest margin | 3.1391% | 4,645 |
| Noninterest income to average assets | 0.4916% | 2,905 |
| Noninterest expense to average assets | 2.7148% | 2,961 |
| Loan and lease loss provision to assets | 0.0085% | 3,676 |
| Net operating income to assets | 0.5824% | 4,551 |
| Return on assets (ROA) | 0.5824% | 4,547 |
| Pretax return on assets | 0.6929% | 4,533 |
| Return on Equity (ROE) | 5.8501% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.8501% | 2,639 |
| Net charge-offs to loans | 0.3467% | 460 |
| Credit loss provision to net charge-offs | 3.4771% | 2,752 |
| Earnings coverage of net charge-offs (x) | 2.8776% | 2,939 |
| Efficiency ratio | 77.9200% | 1,208 |
| Assets per employee ($millions) | 4.8440% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 2,353 |
| Loan loss allowance to noncurrent loans | 65.5529% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.4606% | 916 |
| Noncurrent loans to loans | 1.9291% | 794 |
| Net loans and leases to total assets | 70.0419% | 2,574 |
| Net loans and leases to deposits | 92.7394% | 1,503 |
| Net loans and leases to core deposits | 105.8205% | 1,255 |
| Total domestic deposits to total assets | 75.5255% | 4,901 |
| Equity capital to assets | 10.1394% | 3,498 |
| Core capital (leverage) ratio | 9.5914% | 4,005 |
| Tier 1 risk-based capital ratio | 13.7289% | 3,493 |
| Total risk-based capital ratio | 14.9795% | 3,400 |
| Memoranda: | ||
| Average total assets | $589,961,670 | 1,223 |
| Average earning assets | $549,644,000 | 1,221 |
| Average equity | $58,733,670 | 1,352 |
| Average total loans | $414,746,000 | 1,219 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0086% | 3,580 |
| Cost of funding earning assets | 0.9205% | 540 |
| Net interest margin | 3.0881% | 4,726 |
| Noninterest income to average assets | 0.4819% | 2,922 |
| Noninterest expense to average assets | 2.7289% | 2,945 |
| Loan and lease loss provision to assets | -0.0710% | 5,489 |
| Net operating income to assets | 0.5893% | 4,451 |
| Return on assets (ROA) | 0.5893% | 4,457 |
| Pretax return on assets | 0.7008% | 4,444 |
| Return on Equity (ROE) | 5.9741% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.9741% | 2,717 |
| Net charge-offs to loans | 0.0763% | 1,360 |
| Credit loss provision to net charge-offs | -132.9114% | 3,733 |
| Earnings coverage of net charge-offs (x) | 11.7975% | 1,829 |
| Efficiency ratio | 79.6781% | 1,177 |
| Assets per employee ($millions) | 4.6544% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 1,806 |
| Loan loss allowance to noncurrent loans | 64.3966% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.6194% | 830 |
| Noncurrent loans to loans | 2.1873% | 689 |
| Net loans and leases to total assets | 68.8416% | 2,653 |
| Net loans and leases to deposits | 86.7160% | 2,080 |
| Net loans and leases to core deposits | 97.8260% | 1,843 |
| Total domestic deposits to total assets | 79.3874% | 4,509 |
| Equity capital to assets | 9.9914% | 3,600 |
| Core capital (leverage) ratio | 9.4360% | 4,144 |
| Tier 1 risk-based capital ratio | 13.8143% | 3,490 |
| Total risk-based capital ratio | 15.0667% | 3,397 |
| Memoranda: | ||
| Average total assets | $591,878,500 | 1,226 |
| Average earning assets | $551,414,000 | 1,227 |
| Average equity | $58,385,500 | 1,364 |
| Average total loans | $414,222,500 | 1,229 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1408% | 2,912 |
| Cost of funding earning assets | 0.8088% | 588 |
| Net interest margin | 3.3321% | 4,064 |
| Noninterest income to average assets | 0.5820% | 2,541 |
| Noninterest expense to average assets | 2.7997% | 2,780 |
| Loan and lease loss provision to assets | 0.2654% | 684 |
| Net operating income to assets | 0.4647% | 4,477 |
| Return on assets (ROA) | 0.4647% | 4,512 |
| Pretax return on assets | 0.6282% | 4,679 |
| Return on Equity (ROE) | 4.9951% | 4,158 |
| Retained earnings to average equity (ytd only) | 4.9951% | 2,131 |
| Net charge-offs to loans | 0.3679% | 692 |
| Credit loss provision to net charge-offs | 100.6837% | 2,545 |
| Earnings coverage of net charge-offs (x) | 3.3903% | 3,615 |
| Efficiency ratio | 74.3901% | 1,844 |
| Assets per employee ($millions) | 4.7784% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 1,683 |
| Loan loss allowance to noncurrent loans | 66.2216% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.5952% | 837 |
| Noncurrent loans to loans | 2.1453% | 694 |
| Net loans and leases to total assets | 69.1442% | 2,658 |
| Net loans and leases to deposits | 88.2436% | 1,993 |
| Net loans and leases to core deposits | 100.0249% | 1,714 |
| Total domestic deposits to total assets | 78.3561% | 4,660 |
| Equity capital to assets | 9.7397% | 3,981 |
| Core capital (leverage) ratio | 9.0565% | 4,577 |
| Tier 1 risk-based capital ratio | 13.5255% | 3,616 |
| Total risk-based capital ratio | 14.7785% | 3,523 |
| Memoranda: | ||
| Average total assets | $610,462,400 | 1,173 |
| Average earning assets | $570,005,800 | 1,158 |
| Average equity | $56,795,800 | 1,382 |
| Average total loans | $437,349,800 | 1,153 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1218% | 2,910 |
| Cost of funding earning assets | 0.7827% | 639 |
| Net interest margin | 3.3391% | 4,048 |
| Noninterest income to average assets | 0.6372% | 2,268 |
| Noninterest expense to average assets | 2.8043% | 2,710 |
| Loan and lease loss provision to assets | 0.3726% | 391 |
| Net operating income to assets | 0.4360% | 4,912 |
| Return on assets (ROA) | 0.4360% | 4,943 |
| Pretax return on assets | 0.5798% | 4,883 |
| Return on Equity (ROE) | 4.7403% | 4,623 |
| Retained earnings to average equity (ytd only) | 4.7403% | 3,054 |
| Net charge-offs to loans | 0.3400% | 619 |
| Credit loss provision to net charge-offs | 152.1739% | 1,671 |
| Earnings coverage of net charge-offs (x) | 3.8900% | 3,287 |
| Efficiency ratio | 73.2609% | 2,003 |
| Assets per employee ($millions) | 4.7139% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 1,465 |
| Loan loss allowance to noncurrent loans | 64.4203% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.6929% | 853 |
| Noncurrent loans to loans | 2.3598% | 667 |
| Net loans and leases to total assets | 70.6489% | 2,466 |
| Net loans and leases to deposits | 87.9764% | 2,067 |
| Net loans and leases to core deposits | 98.8282% | 1,815 |
| Total domestic deposits to total assets | 80.3043% | 4,256 |
| Equity capital to assets | 9.6102% | 4,334 |
| Core capital (leverage) ratio | 8.9317% | 4,821 |
| Tier 1 risk-based capital ratio | 13.2507% | 3,848 |
| Total risk-based capital ratio | 14.5052% | 3,764 |
| Memoranda: | ||
| Average total assets | $613,751,750 | 1,181 |
| Average earning assets | $573,391,750 | 1,167 |
| Average equity | $56,450,750 | 1,403 |
| Average total loans | $441,948,750 | 1,154 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1454% | 2,691 |
| Cost of funding earning assets | 0.7527% | 675 |
| Net interest margin | 3.3926% | 3,797 |
| Noninterest income to average assets | 0.6716% | 2,119 |
| Noninterest expense to average assets | 2.8100% | 2,723 |
| Loan and lease loss provision to assets | 0.4234% | 302 |
| Net operating income to assets | 0.4548% | 4,842 |
| Return on assets (ROA) | 0.4548% | 4,866 |
| Pretax return on assets | 0.6096% | 4,778 |
| Return on Equity (ROE) | 5.0169% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.0169% | 2,698 |
| Net charge-offs to loans | 0.0386% | 2,428 |
| Credit loss provision to net charge-offs | 1,523.2558% | 271 |
| Earnings coverage of net charge-offs (x) | 37.1628% | 1,308 |
| Efficiency ratio | 71.7578% | 2,388 |
| Assets per employee ($millions) | 4.7355% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6554% | 1,148 |
| Loan loss allowance to noncurrent loans | 64.2486% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 1.8413% | 737 |
| Noncurrent loans to loans | 2.5765% | 560 |
| Net loans and leases to total assets | 69.6811% | 2,571 |
| Net loans and leases to deposits | 85.6502% | 2,267 |
| Net loans and leases to core deposits | 99.1688% | 1,710 |
| Total domestic deposits to total assets | 81.3555% | 4,090 |
| Equity capital to assets | 9.3078% | 4,615 |
| Core capital (leverage) ratio | 8.7397% | 5,014 |
| Tier 1 risk-based capital ratio | 13.1840% | 3,896 |
| Total risk-based capital ratio | 14.4406% | 3,788 |
| Memoranda: | ||
| Average total assets | $618,780,670 | 1,179 |
| Average earning assets | $578,428,670 | 1,161 |
| Average equity | $56,090,000 | 1,414 |
| Average total loans | $446,105,330 | 1,147 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1272% | 2,557 |
| Cost of funding earning assets | 0.7362% | 706 |
| Net interest margin | 3.3910% | 3,679 |
| Noninterest income to average assets | 0.7586% | 1,717 |
| Noninterest expense to average assets | 2.8385% | 2,657 |
| Loan and lease loss provision to assets | 0.2601% | 560 |
| Net operating income to assets | 0.5993% | 4,165 |
| Return on assets (ROA) | 0.5993% | 4,216 |
| Pretax return on assets | 0.8318% | 4,000 |
| Return on Equity (ROE) | 6.6995% | 3,551 |
| Retained earnings to average equity (ytd only) | 6.6995% | 1,980 |
| Net charge-offs to loans | 0.0159% | 2,479 |
| Credit loss provision to net charge-offs | 2,250.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 94.4444% | 568 |
| Efficiency ratio | 70.8939% | 2,760 |
| Assets per employee ($millions) | 4.6660% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 1,972 |
| Loan loss allowance to noncurrent loans | 59.3287% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.7584% | 827 |
| Noncurrent loans to loans | 2.4013% | 674 |
| Net loans and leases to total assets | 72.1841% | 2,048 |
| Net loans and leases to deposits | 87.5196% | 1,858 |
| Net loans and leases to core deposits | 101.2234% | 1,427 |
| Total domestic deposits to total assets | 82.4777% | 4,028 |
| Equity capital to assets | 9.2655% | 4,547 |
| Core capital (leverage) ratio | 8.4852% | 5,239 |
| Tier 1 risk-based capital ratio | 12.9530% | 4,103 |
| Total risk-based capital ratio | 14.2068% | 3,998 |
| Memoranda: | ||
| Average total assets | $622,732,500 | 1,166 |
| Average earning assets | $582,480,000 | 1,155 |
| Average equity | $55,705,500 | 1,415 |
| Average total loans | $452,742,500 | 1,120 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 1,894 |
| Cost of funding earning assets | 0.7449% | 649 |
| Net interest margin | 3.6310% | 2,956 |
| Noninterest income to average assets | 0.6530% | 2,408 |
| Noninterest expense to average assets | 2.8542% | 2,833 |
| Loan and lease loss provision to assets | 0.3546% | 476 |
| Net operating income to assets | 0.5746% | 4,327 |
| Return on assets (ROA) | 0.5746% | 4,430 |
| Pretax return on assets | 0.8280% | 4,099 |
| Return on Equity (ROE) | 6.3618% | 3,808 |
| Retained earnings to average equity (ytd only) | 6.3618% | 1,520 |
| Net charge-offs to loans | 0.3068% | 897 |
| Credit loss provision to net charge-offs | 144.1196% | 1,902 |
| Earnings coverage of net charge-offs (x) | 4.8063% | 3,443 |
| Efficiency ratio | 69.6279% | 2,975 |
| Assets per employee ($millions) | 4.2311% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 2,611 |
| Loan loss allowance to noncurrent loans | 53.6821% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 1.7322% | 883 |
| Noncurrent loans to loans | 2.3991% | 665 |
| Net loans and leases to total assets | 71.2744% | 2,286 |
| Net loans and leases to deposits | 91.8126% | 1,476 |
| Net loans and leases to core deposits | 106.2946% | 1,114 |
| Total domestic deposits to total assets | 77.6303% | 5,025 |
| Equity capital to assets | 8.6414% | 5,153 |
| Core capital (leverage) ratio | 9.0329% | 4,701 |
| Tier 1 risk-based capital ratio | 12.1639% | 4,608 |
| Total risk-based capital ratio | 13.4158% | 4,480 |
| Memoranda: | ||
| Average total assets | $597,847,200 | 1,170 |
| Average earning assets | $557,151,800 | 1,156 |
| Average equity | $53,994,000 | 1,425 |
| Average total loans | $479,488,200 | 1,010 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5507% | 1,401 |
| Cost of funding earning assets | 0.7666% | 592 |
| Net interest margin | 3.7841% | 2,393 |
| Noninterest income to average assets | 0.6410% | 2,471 |
| Noninterest expense to average assets | 2.8682% | 2,750 |
| Loan and lease loss provision to assets | 0.2757% | 635 |
| Net operating income to assets | 0.6932% | 3,887 |
| Return on assets (ROA) | 0.6932% | 4,021 |
| Pretax return on assets | 1.0186% | 3,562 |
| Return on Equity (ROE) | 7.5865% | 3,246 |
| Retained earnings to average equity (ytd only) | 7.5865% | 1,363 |
| Net charge-offs to loans | 0.3369% | 684 |
| Credit loss provision to net charge-offs | 99.3459% | 2,393 |
| Earnings coverage of net charge-offs (x) | 4.6639% | 3,242 |
| Efficiency ratio | 67.9350% | 3,235 |
| Assets per employee ($millions) | 3.9739% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 3,469 |
| Loan loss allowance to noncurrent loans | 135.2444% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.6924% | 2,840 |
| Noncurrent loans to loans | 0.8593% | 2,537 |
| Net loans and leases to total assets | 79.6342% | 940 |
| Net loans and leases to deposits | 94.6670% | 1,182 |
| Net loans and leases to core deposits | 101.6863% | 1,507 |
| Total domestic deposits to total assets | 84.1203% | 3,177 |
| Equity capital to assets | 9.8146% | 4,346 |
| Core capital (leverage) ratio | 8.8534% | 5,000 |
| Tier 1 risk-based capital ratio | 12.5997% | 4,412 |
| Total risk-based capital ratio | 13.8504% | 4,316 |
| Memoranda: | ||
| Average total assets | $587,586,500 | 1,189 |
| Average earning assets | $546,802,000 | 1,178 |
| Average equity | $53,690,250 | 1,437 |
| Average total loans | $484,033,750 | 1,002 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5273% | 1,443 |
| Cost of funding earning assets | 0.7713% | 565 |
| Net interest margin | 3.7561% | 2,493 |
| Noninterest income to average assets | 0.6158% | 2,537 |
| Noninterest expense to average assets | 2.8088% | 2,997 |
| Loan and lease loss provision to assets | 0.2721% | 682 |
| Net operating income to assets | 0.7014% | 3,780 |
| Return on assets (ROA) | 0.7014% | 3,937 |
| Pretax return on assets | 1.0327% | 3,468 |
| Return on Equity (ROE) | 7.8606% | 3,055 |
| Retained earnings to average equity (ytd only) | 7.8606% | 1,217 |
| Net charge-offs to loans | 0.3803% | 603 |
| Credit loss provision to net charge-offs | 86.2620% | 2,291 |
| Earnings coverage of net charge-offs (x) | 4.1363% | 3,016 |
| Efficiency ratio | 67.2928% | 3,487 |
| Assets per employee ($millions) | 4.1020% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 4,108 |
| Loan loss allowance to noncurrent loans | 219.5153% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 3,921 |
| Noncurrent loans to loans | 0.4876% | 3,626 |
| Net loans and leases to total assets | 79.6726% | 956 |
| Net loans and leases to deposits | 99.2041% | 765 |
| Net loans and leases to core deposits | 105.8428% | 1,193 |
| Total domestic deposits to total assets | 80.3117% | 4,474 |
| Equity capital to assets | 9.0958% | 5,166 |
| Core capital (leverage) ratio | 8.5004% | 5,366 |
| Tier 1 risk-based capital ratio | 11.5322% | 5,132 |
| Total risk-based capital ratio | 12.7245% | 5,059 |
| Memoranda: | ||
| Average total assets | $595,351,000 | 1,184 |
| Average earning assets | $554,408,670 | 1,170 |
| Average equity | $53,126,000 | 1,452 |
| Average total loans | $493,827,000 | 991 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5418% | 1,392 |
| Cost of funding earning assets | 0.7789% | 547 |
| Net interest margin | 3.7629% | 2,430 |
| Noninterest income to average assets | 0.5661% | 2,708 |
| Noninterest expense to average assets | 2.7871% | 3,123 |
| Loan and lease loss provision to assets | 0.2729% | 614 |
| Net operating income to assets | 0.6860% | 3,785 |
| Return on assets (ROA) | 0.6860% | 3,900 |
| Pretax return on assets | 1.0088% | 3,447 |
| Return on Equity (ROE) | 7.7633% | 3,055 |
| Retained earnings to average equity (ytd only) | 7.7633% | 1,559 |
| Net charge-offs to loans | 0.4131% | 549 |
| Credit loss provision to net charge-offs | 78.4884% | 1,849 |
| Earnings coverage of net charge-offs (x) | 3.6860% | 2,511 |
| Efficiency ratio | 67.4892% | 3,547 |
| Assets per employee ($millions) | 4.1281% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 4,397 |
| Loan loss allowance to noncurrent loans | 210.7811% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.4135% | 3,935 |
| Noncurrent loans to loans | 0.4927% | 3,698 |
| Net loans and leases to total assets | 83.0522% | 452 |
| Net loans and leases to deposits | 103.7298% | 426 |
| Net loans and leases to core deposits | 113.1730% | 703 |
| Total domestic deposits to total assets | 80.0659% | 4,730 |
| Equity capital to assets | 8.9416% | 5,227 |
| Core capital (leverage) ratio | 8.2302% | 5,626 |
| Tier 1 risk-based capital ratio | 10.8880% | 5,558 |
| Total risk-based capital ratio | 12.0437% | 5,516 |
| Memoranda: | ||
| Average total assets | $593,581,500 | 1,192 |
| Average earning assets | $552,558,000 | 1,174 |
| Average equity | $52,452,000 | 1,470 |
| Average total loans | $499,583,500 | 975 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5622% | 1,431 |
| Cost of funding earning assets | 0.7656% | 594 |
| Net interest margin | 3.7966% | 2,387 |
| Noninterest income to average assets | 0.6793% | 2,297 |
| Noninterest expense to average assets | 2.7315% | 3,479 |
| Loan and lease loss provision to assets | 0.2741% | 671 |
| Net operating income to assets | 0.8124% | 3,290 |
| Return on assets (ROA) | 0.8124% | 3,364 |
| Pretax return on assets | 1.1949% | 2,675 |
| Return on Equity (ROE) | 9.3350% | 2,306 |
| Retained earnings to average equity (ytd only) | 9.3350% | 577 |
| Net charge-offs to loans | 0.2188% | 1,348 |
| Credit loss provision to net charge-offs | 152.6006% | 1,748 |
| Earnings coverage of net charge-offs (x) | 8.1776% | 2,989 |
| Efficiency ratio | 63.9862% | 4,265 |
| Assets per employee ($millions) | 4.2037% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 4,272 |
| Loan loss allowance to noncurrent loans | 197.8318% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.4513% | 3,805 |
| Noncurrent loans to loans | 0.5347% | 3,560 |
| Net loans and leases to total assets | 83.5126% | 435 |
| Net loans and leases to deposits | 109.3056% | 263 |
| Net loans and leases to core deposits | 118.8035% | 514 |
| Total domestic deposits to total assets | 76.4029% | 5,401 |
| Equity capital to assets | 8.7311% | 5,360 |
| Core capital (leverage) ratio | 8.2611% | 5,635 |
| Tier 1 risk-based capital ratio | 10.5768% | 5,742 |
| Total risk-based capital ratio | 11.7419% | 5,702 |
| Memoranda: | ||
| Average total assets | $567,234,600 | 1,208 |
| Average earning assets | $526,106,200 | 1,199 |
| Average equity | $49,362,800 | 1,510 |
| Average total loans | $465,753,200 | 994 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5880% | 1,359 |
| Cost of funding earning assets | 0.7624% | 612 |
| Net interest margin | 3.8255% | 2,284 |
| Noninterest income to average assets | 0.6903% | 2,280 |
| Noninterest expense to average assets | 2.7600% | 3,344 |
| Loan and lease loss provision to assets | 0.2769% | 570 |
| Net operating income to assets | 0.8168% | 3,348 |
| Return on assets (ROA) | 0.8168% | 3,433 |
| Pretax return on assets | 1.1984% | 2,827 |
| Return on Equity (ROE) | 9.3943% | 2,353 |
| Retained earnings to average equity (ytd only) | 9.3943% | 765 |
| Net charge-offs to loans | 0.2613% | 1,011 |
| Credit loss provision to net charge-offs | 130.0223% | 1,878 |
| Earnings coverage of net charge-offs (x) | 6.9263% | 2,975 |
| Efficiency ratio | 64.1109% | 4,228 |
| Assets per employee ($millions) | 4.1409% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 4,468 |
| Loan loss allowance to noncurrent loans | 246.9287% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.3562% | 4,346 |
| Noncurrent loans to loans | 0.4252% | 4,079 |
| Net loans and leases to total assets | 81.6978% | 615 |
| Net loans and leases to deposits | 102.1408% | 540 |
| Net loans and leases to core deposits | 111.3042% | 798 |
| Total domestic deposits to total assets | 79.9855% | 4,759 |
| Equity capital to assets | 8.7289% | 5,560 |
| Core capital (leverage) ratio | 8.2359% | 5,752 |
| Tier 1 risk-based capital ratio | 10.4099% | 5,915 |
| Total risk-based capital ratio | 11.5287% | 5,896 |
| Memoranda: | ||
| Average total assets | $560,863,250 | 1,224 |
| Average earning assets | $519,724,500 | 1,221 |
| Average equity | $48,765,750 | 1,538 |
| Average total loans | $457,119,500 | 1,013 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5359% | 1,434 |
| Cost of funding earning assets | 0.7505% | 643 |
| Net interest margin | 3.7853% | 2,382 |
| Noninterest income to average assets | 0.6755% | 2,321 |
| Noninterest expense to average assets | 2.7751% | 3,331 |
| Loan and lease loss provision to assets | 0.2795% | 580 |
| Net operating income to assets | 0.7689% | 3,542 |
| Return on assets (ROA) | 0.7689% | 3,644 |
| Pretax return on assets | 1.1259% | 3,074 |
| Return on Equity (ROE) | 8.8551% | 2,629 |
| Retained earnings to average equity (ytd only) | 8.8551% | 975 |
| Net charge-offs to loans | 0.1507% | 1,583 |
| Credit loss provision to net charge-offs | 228.6136% | 1,113 |
| Earnings coverage of net charge-offs (x) | 11.4956% | 2,288 |
| Efficiency ratio | 65.2864% | 4,133 |
| Assets per employee ($millions) | 4.0078% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 4,251 |
| Loan loss allowance to noncurrent loans | 232.3043% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 4,328 |
| Noncurrent loans to loans | 0.4796% | 4,034 |
| Net loans and leases to total assets | 80.9639% | 675 |
| Net loans and leases to deposits | 105.6099% | 388 |
| Net loans and leases to core deposits | 112.6485% | 717 |
| Total domestic deposits to total assets | 76.6631% | 5,509 |
| Equity capital to assets | 8.6013% | 5,597 |
| Core capital (leverage) ratio | 8.2022% | 5,788 |
| Tier 1 risk-based capital ratio | 10.3723% | 5,965 |
| Total risk-based capital ratio | 11.5597% | 5,936 |
| Memoranda: | ||
| Average total assets | $554,574,670 | 1,237 |
| Average earning assets | $513,509,000 | 1,234 |
| Average equity | $48,153,000 | 1,555 |
| Average total loans | $449,942,330 | 1,032 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6210% | 1,179 |
| Cost of funding earning assets | 0.7510% | 652 |
| Net interest margin | 3.8701% | 1,997 |
| Noninterest income to average assets | 0.6241% | 2,529 |
| Noninterest expense to average assets | 2.8810% | 2,965 |
| Loan and lease loss provision to assets | 0.2814% | 535 |
| Net operating income to assets | 0.7162% | 3,721 |
| Return on assets (ROA) | 0.7162% | 3,849 |
| Pretax return on assets | 1.0437% | 3,322 |
| Return on Equity (ROE) | 8.2087% | 2,854 |
| Retained earnings to average equity (ytd only) | 8.2087% | 1,490 |
| Net charge-offs to loans | 0.1430% | 1,391 |
| Credit loss provision to net charge-offs | 243.6709% | 933 |
| Earnings coverage of net charge-offs (x) | 11.4747% | 1,860 |
| Efficiency ratio | 67.3849% | 3,924 |
| Assets per employee ($millions) | 3.9461% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 4,424 |
| Loan loss allowance to noncurrent loans | 203.4300% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 4,251 |
| Noncurrent loans to loans | 0.5499% | 3,931 |
| Net loans and leases to total assets | 80.2902% | 655 |
| Net loans and leases to deposits | 103.4733% | 393 |
| Net loans and leases to core deposits | 109.7838% | 754 |
| Total domestic deposits to total assets | 77.5951% | 5,519 |
| Equity capital to assets | 8.8201% | 5,486 |
| Core capital (leverage) ratio | 8.1510% | 5,848 |
| Tier 1 risk-based capital ratio | 10.4236% | 6,037 |
| Total risk-based capital ratio | 11.5975% | 6,012 |
| Memoranda: | ||
| Average total assets | $547,306,000 | 1,256 |
| Average earning assets | $506,552,500 | 1,253 |
| Average equity | $47,754,000 | 1,575 |
| Average total loans | $441,930,000 | 1,046 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5464% | 1,708 |
| Cost of funding earning assets | 0.8585% | 483 |
| Net interest margin | 3.6879% | 3,053 |
| Noninterest income to average assets | 0.7698% | 1,991 |
| Noninterest expense to average assets | 2.8345% | 3,359 |
| Loan and lease loss provision to assets | 0.2951% | 697 |
| Net operating income to assets | 0.7270% | 3,762 |
| Return on assets (ROA) | 0.7270% | 3,865 |
| Pretax return on assets | 1.0571% | 3,265 |
| Return on Equity (ROE) | 8.3981% | 2,909 |
| Retained earnings to average equity (ytd only) | 8.3981% | 869 |
| Net charge-offs to loans | 0.0870% | 3,248 |
| Credit loss provision to net charge-offs | 426.1364% | 610 |
| Earnings coverage of net charge-offs (x) | 19.5256% | 1,777 |
| Efficiency ratio | 66.4756% | 4,161 |
| Assets per employee ($millions) | 4.0754% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 4,616 |
| Loan loss allowance to noncurrent loans | 171.8829% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.5113% | 4,095 |
| Noncurrent loans to loans | 0.6310% | 3,796 |
| Net loans and leases to total assets | 79.4214% | 819 |
| Net loans and leases to deposits | 104.0922% | 433 |
| Net loans and leases to core deposits | 111.5661% | 707 |
| Total domestic deposits to total assets | 76.2991% | 5,690 |
| Equity capital to assets | 8.6301% | 5,626 |
| Core capital (leverage) ratio | 7.9589% | 6,025 |
| Tier 1 risk-based capital ratio | 10.3329% | 6,169 |
| Total risk-based capital ratio | 11.5001% | 6,137 |
| Memoranda: | ||
| Average total assets | $508,282,000 | 1,316 |
| Average earning assets | $470,921,200 | 1,301 |
| Average equity | $43,997,800 | 1,642 |
| Average total loans | $404,561,600 | 1,089 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5278% | 1,773 |
| Cost of funding earning assets | 0.8839% | 459 |
| Net interest margin | 3.6439% | 3,250 |
| Noninterest income to average assets | 0.7815% | 1,963 |
| Noninterest expense to average assets | 2.9033% | 3,101 |
| Loan and lease loss provision to assets | 0.3007% | 655 |
| Net operating income to assets | 0.6573% | 4,182 |
| Return on assets (ROA) | 0.6573% | 4,282 |
| Pretax return on assets | 0.9537% | 3,783 |
| Return on Equity (ROE) | 7.5867% | 3,405 |
| Retained earnings to average equity (ytd only) | 7.5867% | 1,543 |
| Net charge-offs to loans | 0.0811% | 3,039 |
| Credit loss provision to net charge-offs | 466.8050% | 611 |
| Earnings coverage of net charge-offs (x) | 19.4728% | 1,780 |
| Efficiency ratio | 68.4539% | 3,770 |
| Assets per employee ($millions) | 3.9766% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 4,944 |
| Loan loss allowance to noncurrent loans | 142.9663% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.5988% | 4,053 |
| Noncurrent loans to loans | 0.7415% | 3,754 |
| Net loans and leases to total assets | 79.2676% | 801 |
| Net loans and leases to deposits | 98.9593% | 671 |
| Net loans and leases to core deposits | 105.1070% | 1,015 |
| Total domestic deposits to total assets | 80.1013% | 5,076 |
| Equity capital to assets | 8.6042% | 5,722 |
| Core capital (leverage) ratio | 7.9397% | 6,110 |
| Tier 1 risk-based capital ratio | 10.3378% | 6,255 |
| Total risk-based capital ratio | 11.4760% | 6,257 |
| Memoranda: | ||
| Average total assets | $498,827,000 | 1,350 |
| Average earning assets | $462,171,000 | 1,335 |
| Average equity | $43,215,000 | 1,668 |
| Average total loans | $396,082,500 | 1,108 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 1,823 |
| Cost of funding earning assets | 0.9058% | 418 |
| Net interest margin | 3.5963% | 3,373 |
| Noninterest income to average assets | 0.7353% | 2,109 |
| Noninterest expense to average assets | 2.9599% | 2,968 |
| Loan and lease loss provision to assets | 0.3069% | 636 |
| Net operating income to assets | 0.5532% | 4,585 |
| Return on assets (ROA) | 0.5532% | 4,687 |
| Pretax return on assets | 0.8020% | 4,254 |
| Return on Equity (ROE) | 6.3696% | 3,957 |
| Retained earnings to average equity (ytd only) | 6.3696% | 2,107 |
| Net charge-offs to loans | 0.0837% | 2,849 |
| Credit loss provision to net charge-offs | 462.9630% | 618 |
| Earnings coverage of net charge-offs (x) | 16.7284% | 1,772 |
| Efficiency ratio | 71.2389% | 3,465 |
| Assets per employee ($millions) | 3.6933% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 5,141 |
| Loan loss allowance to noncurrent loans | 148.7943% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.6180% | 4,115 |
| Noncurrent loans to loans | 0.7029% | 3,949 |
| Net loans and leases to total assets | 79.0332% | 794 |
| Net loans and leases to deposits | 94.8240% | 899 |
| Net loans and leases to core deposits | 100.4159% | 1,246 |
| Total domestic deposits to total assets | 83.3472% | 4,174 |
| Equity capital to assets | 8.8018% | 5,519 |
| Core capital (leverage) ratio | 8.1508% | 5,980 |
| Tier 1 risk-based capital ratio | 10.5354% | 6,240 |
| Total risk-based capital ratio | 11.6508% | 6,237 |
| Memoranda: | ||
| Average total assets | $488,808,330 | 1,371 |
| Average earning assets | $453,082,330 | 1,359 |
| Average equity | $42,451,330 | 1,685 |
| Average total loans | $386,868,330 | 1,135 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5182% | 1,753 |
| Cost of funding earning assets | 0.9266% | 398 |
| Net interest margin | 3.5916% | 3,281 |
| Noninterest income to average assets | 0.6489% | 2,468 |
| Noninterest expense to average assets | 2.9813% | 2,929 |
| Loan and lease loss provision to assets | 0.3112% | 608 |
| Net operating income to assets | 0.4763% | 4,805 |
| Return on assets (ROA) | 0.4763% | 4,882 |
| Pretax return on assets | 0.6787% | 4,557 |
| Return on Equity (ROE) | 5.5230% | 4,267 |
| Retained earnings to average equity (ytd only) | 5.5230% | 2,776 |
| Net charge-offs to loans | 0.0780% | 2,371 |
| Credit loss provision to net charge-offs | 506.7568% | 528 |
| Earnings coverage of net charge-offs (x) | 16.1216% | 1,517 |
| Efficiency ratio | 73.4643% | 3,233 |
| Assets per employee ($millions) | 3.6324% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 5,444 |
| Loan loss allowance to noncurrent loans | 122.2326% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 3,943 |
| Noncurrent loans to loans | 0.8346% | 3,799 |
| Net loans and leases to total assets | 77.9252% | 776 |
| Net loans and leases to deposits | 91.8742% | 964 |
| Net loans and leases to core deposits | 97.4918% | 1,275 |
| Total domestic deposits to total assets | 84.8172% | 3,948 |
| Equity capital to assets | 8.8354% | 5,291 |
| Core capital (leverage) ratio | 8.2067% | 5,942 |
| Tier 1 risk-based capital ratio | 10.7246% | 6,266 |
| Total risk-based capital ratio | 11.8060% | 6,281 |
| Memoranda: | ||
| Average total assets | $482,066,000 | 1,400 |
| Average earning assets | $445,930,500 | 1,384 |
| Average equity | $41,571,500 | 1,718 |
| Average total loans | $379,715,500 | 1,161 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 1,521 |
| Cost of funding earning assets | 1.0143% | 415 |
| Net interest margin | 3.7039% | 3,035 |
| Noninterest income to average assets | 0.6478% | 2,820 |
| Noninterest expense to average assets | 3.2236% | 2,347 |
| Loan and lease loss provision to assets | 0.2924% | 1,162 |
| Net operating income to assets | 0.3647% | 5,279 |
| Return on assets (ROA) | 0.4034% | 5,247 |
| Pretax return on assets | 0.5702% | 4,970 |
| Return on Equity (ROE) | 4.4636% | 4,907 |
| Retained earnings to average equity (ytd only) | 2.4951% | 4,484 |
| Net charge-offs to loans | 0.2291% | 2,628 |
| Credit loss provision to net charge-offs | 167.3028% | 1,359 |
| Earnings coverage of net charge-offs (x) | 4.6234% | 3,511 |
| Efficiency ratio | 78.3177% | 2,419 |
| Assets per employee ($millions) | 3.4594% | 4,979 |
| Cash dividends to net income (ytd only)* | 44.1014% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 5,728 |
| Loan loss allowance to noncurrent loans | 118.2176% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.7011% | 4,151 |
| Noncurrent loans to loans | 0.8112% | 3,945 |
| Net loans and leases to total assets | 78.0535% | 822 |
| Net loans and leases to deposits | 93.7877% | 894 |
| Net loans and leases to core deposits | 100.3290% | 1,129 |
| Total domestic deposits to total assets | 83.2236% | 4,460 |
| Equity capital to assets | 8.4077% | 5,683 |
| Core capital (leverage) ratio | 7.6219% | 6,332 |
| Tier 1 risk-based capital ratio | 10.0200% | 6,514 |
| Total risk-based capital ratio | 11.0209% | 6,532 |
| Memoranda: | ||
| Average total assets | $449,683,400 | 1,477 |
| Average earning assets | $410,840,200 | 1,477 |
| Average equity | $40,639,800 | 1,721 |
| Average total loans | $343,033,800 | 1,249 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7640% | 1,433 |
| Cost of funding earning assets | 1.0259% | 432 |
| Net interest margin | 3.7381% | 2,895 |
| Noninterest income to average assets | 0.5975% | 3,158 |
| Noninterest expense to average assets | 3.2110% | 2,332 |
| Loan and lease loss provision to assets | 0.2966% | 1,152 |
| Net operating income to assets | 0.3535% | 5,426 |
| Return on assets (ROA) | 0.4059% | 5,360 |
| Pretax return on assets | 0.5695% | 5,135 |
| Return on Equity (ROE) | 4.4089% | 5,022 |
| Retained earnings to average equity (ytd only) | 3.7547% | 4,016 |
| Net charge-offs to loans | 0.1820% | 2,773 |
| Credit loss provision to net charge-offs | 215.5361% | 1,124 |
| Earnings coverage of net charge-offs (x) | 5.7571% | 3,112 |
| Efficiency ratio | 78.5542% | 2,332 |
| Assets per employee ($millions) | 3.3837% | 5,097 |
| Cash dividends to net income (ytd only)* | 14.8368% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 5,711 |
| Loan loss allowance to noncurrent loans | 93.6413% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.9024% | 3,878 |
| Noncurrent loans to loans | 1.0689% | 3,662 |
| Net loans and leases to total assets | 78.1223% | 733 |
| Net loans and leases to deposits | 92.5165% | 945 |
| Net loans and leases to core deposits | 96.4998% | 1,351 |
| Total domestic deposits to total assets | 84.4414% | 4,007 |
| Equity capital to assets | 8.8358% | 5,377 |
| Core capital (leverage) ratio | 8.0946% | 6,155 |
| Tier 1 risk-based capital ratio | 10.5048% | 6,449 |
| Total risk-based capital ratio | 11.5525% | 6,476 |
| Memoranda: | ||
| Average total assets | $442,755,000 | 1,507 |
| Average earning assets | $403,408,500 | 1,512 |
| Average equity | $40,765,250 | 1,728 |
| Average total loans | $334,734,000 | 1,274 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7592% | 1,425 |
| Cost of funding earning assets | 1.0328% | 462 |
| Net interest margin | 3.7264% | 2,864 |
| Noninterest income to average assets | 0.5789% | 3,326 |
| Noninterest expense to average assets | 3.2118% | 2,322 |
| Loan and lease loss provision to assets | 0.2990% | 1,211 |
| Net operating income to assets | 0.3333% | 5,476 |
| Return on assets (ROA) | 0.4150% | 5,319 |
| Pretax return on assets | 0.5716% | 5,127 |
| Return on Equity (ROE) | 4.4450% | 5,027 |
| Retained earnings to average equity (ytd only) | 4.4450% | 3,439 |
| Net charge-offs to loans | 0.2312% | 2,342 |
| Credit loss provision to net charge-offs | 173.7401% | 1,361 |
| Earnings coverage of net charge-offs (x) | 4.4085% | 3,141 |
| Efficiency ratio | 79.2457% | 2,267 |
| Assets per employee ($millions) | 3.2413% | 5,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 5,961 |
| Loan loss allowance to noncurrent loans | 82.0782% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 0.9745% | 3,823 |
| Noncurrent loans to loans | 1.1676% | 3,602 |
| Net loans and leases to total assets | 77.5587% | 797 |
| Net loans and leases to deposits | 92.1912% | 941 |
| Net loans and leases to core deposits | 96.0909% | 1,348 |
| Total domestic deposits to total assets | 84.1281% | 4,263 |
| Equity capital to assets | 9.0226% | 5,193 |
| Core capital (leverage) ratio | 8.2614% | 5,940 |
| Tier 1 risk-based capital ratio | 10.6048% | 6,475 |
| Total risk-based capital ratio | 11.5975% | 6,527 |
| Memoranda: | ||
| Average total assets | $438,072,330 | 1,518 |
| Average earning assets | $398,718,330 | 1,526 |
| Average equity | $40,899,670 | 1,721 |
| Average total loans | $326,154,330 | 1,304 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7393% | 1,433 |
| Cost of funding earning assets | 1.0403% | 492 |
| Net interest margin | 3.6989% | 2,858 |
| Noninterest income to average assets | 0.5057% | 3,738 |
| Noninterest expense to average assets | 3.1376% | 2,550 |
| Loan and lease loss provision to assets | 0.2999% | 1,158 |
| Net operating income to assets | 0.3147% | 5,517 |
| Return on assets (ROA) | 0.3147% | 5,647 |
| Pretax return on assets | 0.4346% | 5,453 |
| Return on Equity (ROE) | 3.3131% | 5,428 |
| Retained earnings to average equity (ytd only) | 3.3131% | 4,265 |
| Net charge-offs to loans | 0.2203% | 2,108 |
| Credit loss provision to net charge-offs | 187.8613% | 1,144 |
| Earnings coverage of net charge-offs (x) | 4.6012% | 2,517 |
| Efficiency ratio | 79.3613% | 2,419 |
| Assets per employee ($millions) | 3.0936% | 5,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 5,942 |
| Loan loss allowance to noncurrent loans | 56.1035% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 1.3968% | 3,177 |
| Noncurrent loans to loans | 1.8053% | 2,853 |
| Net loans and leases to total assets | 71.8813% | 1,368 |
| Net loans and leases to deposits | 84.5505% | 1,524 |
| Net loans and leases to core deposits | 88.1022% | 1,894 |
| Total domestic deposits to total assets | 85.0159% | 4,028 |
| Equity capital to assets | 9.3669% | 5,035 |
| Core capital (leverage) ratio | 8.3113% | 5,812 |
| Tier 1 risk-based capital ratio | 11.0451% | 6,385 |
| Total risk-based capital ratio | 12.0572% | 6,456 |
| Memoranda: | ||
| Average total assets | $433,458,500 | 1,553 |
| Average earning assets | $394,491,500 | 1,555 |
| Average equity | $41,170,500 | 1,742 |
| Average total loans | $314,093,000 | 1,356 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1169% | 1,269 |
| Cost of funding earning assets | 1.1375% | 780 |
| Net interest margin | 3.9794% | 2,478 |
| Noninterest income to average assets | 0.6164% | 3,192 |
| Noninterest expense to average assets | 3.1957% | 2,627 |
| Loan and lease loss provision to assets | 0.3153% | 2,171 |
| Net operating income to assets | 0.4850% | 4,745 |
| Return on assets (ROA) | 0.7988% | 3,542 |
| Pretax return on assets | 1.1694% | 2,906 |
| Return on Equity (ROE) | 7.9655% | 3,101 |
| Retained earnings to average equity (ytd only) | 6.9674% | 1,582 |
| Net charge-offs to loans | 0.3014% | 3,143 |
| Credit loss provision to net charge-offs | 140.6250% | 1,958 |
| Earnings coverage of net charge-offs (x) | 4.5636% | 3,327 |
| Efficiency ratio | 74.0495% | 3,062 |
| Assets per employee ($millions) | 3.2894% | 5,438 |
| Cash dividends to net income (ytd only)* | 12.5313% | 4,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 5,983 |
| Loan loss allowance to noncurrent loans | 56.9552% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 1.3895% | 3,315 |
| Noncurrent loans to loans | 1.7485% | 2,988 |
| Net loans and leases to total assets | 71.5830% | 1,555 |
| Net loans and leases to deposits | 83.1155% | 1,869 |
| Net loans and leases to core deposits | 87.3645% | 2,157 |
| Total domestic deposits to total assets | 86.1248% | 3,286 |
| Equity capital to assets | 9.6330% | 4,688 |
| Core capital (leverage) ratio | 8.5073% | 5,598 |
| Tier 1 risk-based capital ratio | 11.5058% | 6,104 |
| Total risk-based capital ratio | 12.5227% | 6,201 |
| Memoranda: | ||
| Average total assets | $399,593,600 | 1,637 |
| Average earning assets | $361,765,200 | 1,653 |
| Average equity | $40,072,600 | 1,736 |
| Average total loans | $297,230,200 | 1,411 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2465% | 1,103 |
| Cost of funding earning assets | 1.1442% | 882 |
| Net interest margin | 4.1023% | 2,078 |
| Noninterest income to average assets | 0.5719% | 3,458 |
| Noninterest expense to average assets | 3.1354% | 2,782 |
| Loan and lease loss provision to assets | 0.3209% | 2,057 |
| Net operating income to assets | 0.5689% | 4,527 |
| Return on assets (ROA) | 0.6310% | 4,488 |
| Pretax return on assets | 0.9146% | 4,048 |
| Return on Equity (ROE) | 6.2255% | 4,215 |
| Retained earnings to average equity (ytd only) | 6.2255% | 2,544 |
| Net charge-offs to loans | 0.3403% | 2,752 |
| Credit loss provision to net charge-offs | 125.8322% | 2,288 |
| Earnings coverage of net charge-offs (x) | 4.4913% | 3,290 |
| Efficiency ratio | 71.5272% | 3,410 |
| Assets per employee ($millions) | 3.1812% | 5,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9682% | 6,197 |
| Loan loss allowance to noncurrent loans | 86.1671% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.2947% | 3,706 |
| Noncurrent loans to loans | 1.1236% | 4,178 |
| Net loans and leases to total assets | 72.5051% | 1,467 |
| Net loans and leases to deposits | 84.5970% | 1,793 |
| Net loans and leases to core deposits | 88.2506% | 2,188 |
| Total domestic deposits to total assets | 85.7065% | 3,410 |
| Equity capital to assets | 10.0671% | 4,397 |
| Core capital (leverage) ratio | 8.5131% | 5,729 |
| Tier 1 risk-based capital ratio | 11.4216% | 6,276 |
| Total risk-based capital ratio | 12.4037% | 6,389 |
| Memoranda: | ||
| Average total assets | $392,585,750 | 1,689 |
| Average earning assets | $354,947,250 | 1,701 |
| Average equity | $39,792,500 | 1,763 |
| Average total loans | $294,241,250 | 1,441 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3411% | 973 |
| Cost of funding earning assets | 1.1458% | 1,047 |
| Net interest margin | 4.1953% | 1,767 |
| Noninterest income to average assets | 0.5514% | 3,577 |
| Noninterest expense to average assets | 3.1242% | 2,833 |
| Loan and lease loss provision to assets | 0.3259% | 2,019 |
| Net operating income to assets | 0.6113% | 4,328 |
| Return on assets (ROA) | 0.7045% | 4,107 |
| Pretax return on assets | 1.0319% | 3,591 |
| Return on Equity (ROE) | 6.9338% | 3,814 |
| Retained earnings to average equity (ytd only) | 6.9338% | 2,141 |
| Net charge-offs to loans | 0.3587% | 2,579 |
| Credit loss provision to net charge-offs | 120.2290% | 2,287 |
| Earnings coverage of net charge-offs (x) | 4.5038% | 3,060 |
| Efficiency ratio | 70.1667% | 3,744 |
| Assets per employee ($millions) | 3.1887% | 5,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 6,259 |
| Loan loss allowance to noncurrent loans | 84.5877% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.3417% | 3,756 |
| Noncurrent loans to loans | 1.1471% | 4,237 |
| Net loans and leases to total assets | 72.8135% | 1,423 |
| Net loans and leases to deposits | 85.3853% | 1,673 |
| Net loans and leases to core deposits | 88.7193% | 2,126 |
| Total domestic deposits to total assets | 85.2764% | 3,722 |
| Equity capital to assets | 10.1834% | 4,074 |
| Core capital (leverage) ratio | 8.5562% | 5,577 |
| Tier 1 risk-based capital ratio | 11.5421% | 6,190 |
| Total risk-based capital ratio | 12.5209% | 6,335 |
| Memoranda: | ||
| Average total assets | $386,656,000 | 1,713 |
| Average earning assets | $349,626,000 | 1,724 |
| Average equity | $39,285,670 | 1,768 |
| Average total loans | $292,171,000 | 1,452 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4427% | 848 |
| Cost of funding earning assets | 1.1458% | 1,190 |
| Net interest margin | 4.2968% | 1,475 |
| Noninterest income to average assets | 0.4353% | 4,409 |
| Noninterest expense to average assets | 3.0804% | 2,985 |
| Loan and lease loss provision to assets | 0.3296% | 1,900 |
| Net operating income to assets | 0.6100% | 4,300 |
| Return on assets (ROA) | 0.6100% | 4,510 |
| Pretax return on assets | 0.9019% | 4,022 |
| Return on Equity (ROE) | 6.0109% | 4,287 |
| Retained earnings to average equity (ytd only) | 6.0109% | 2,951 |
| Net charge-offs to loans | 0.2089% | 2,873 |
| Credit loss provision to net charge-offs | 205.8824% | 1,311 |
| Earnings coverage of net charge-offs (x) | 7.6928% | 2,048 |
| Efficiency ratio | 69.6676% | 3,873 |
| Assets per employee ($millions) | 3.4434% | 5,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 6,319 |
| Loan loss allowance to noncurrent loans | 78.6066% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.3546% | 3,854 |
| Noncurrent loans to loans | 1.2480% | 4,249 |
| Net loans and leases to total assets | 73.3327% | 1,167 |
| Net loans and leases to deposits | 85.8507% | 1,440 |
| Net loans and leases to core deposits | 89.1681% | 1,933 |
| Total domestic deposits to total assets | 85.4189% | 3,826 |
| Equity capital to assets | 9.8813% | 4,280 |
| Core capital (leverage) ratio | 8.6524% | 5,374 |
| Tier 1 risk-based capital ratio | 11.3615% | 6,354 |
| Total risk-based capital ratio | 12.3700% | 6,471 |
| Memoranda: | ||
| Average total assets | $382,284,500 | 1,734 |
| Average earning assets | $344,905,500 | 1,751 |
| Average equity | $38,796,000 | 1,791 |
| Average total loans | $292,894,000 | 1,451 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5580% | 1,039 |
| Cost of funding earning assets | 1.0802% | 2,804 |
| Net interest margin | 4.4778% | 1,187 |
| Noninterest income to average assets | 0.5956% | 3,187 |
| Noninterest expense to average assets | 3.2023% | 2,857 |
| Loan and lease loss provision to assets | 0.4465% | 2,370 |
| Net operating income to assets | 0.6895% | 3,539 |
| Return on assets (ROA) | 0.8627% | 2,907 |
| Pretax return on assets | 1.3022% | 2,121 |
| Return on Equity (ROE) | 8.3865% | 2,721 |
| Retained earnings to average equity (ytd only) | 8.3865% | 958 |
| Net charge-offs to loans | 0.3350% | 3,723 |
| Credit loss provision to net charge-offs | 172.7862% | 1,532 |
| Earnings coverage of net charge-offs (x) | 5.7516% | 2,694 |
| Efficiency ratio | 66.5238% | 4,652 |
| Assets per employee ($millions) | 3.3814% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9281% | 6,468 |
| Loan loss allowance to noncurrent loans | 72.1307% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.4906% | 3,718 |
| Noncurrent loans to loans | 1.2867% | 4,221 |
| Net loans and leases to total assets | 78.6279% | 643 |
| Net loans and leases to deposits | 94.0718% | 811 |
| Net loans and leases to core deposits | 97.2666% | 1,393 |
| Total domestic deposits to total assets | 83.5829% | 4,501 |
| Equity capital to assets | 10.4355% | 3,605 |
| Core capital (leverage) ratio | 8.6919% | 5,266 |
| Tier 1 risk-based capital ratio | 11.4728% | 6,176 |
| Total risk-based capital ratio | 12.4536% | 6,324 |
| Memoranda: | ||
| Average total assets | $358,309,400 | 1,810 |
| Average earning assets | $327,530,400 | 1,807 |
| Average equity | $36,856,800 | 1,826 |
| Average total loans | $276,430,200 | 1,537 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4803% | 1,302 |
| Cost of funding earning assets | 1.0266% | 3,487 |
| Net interest margin | 4.4537% | 1,267 |
| Noninterest income to average assets | 0.5603% | 3,445 |
| Noninterest expense to average assets | 3.1415% | 3,019 |
| Loan and lease loss provision to assets | 0.2942% | 3,172 |
| Net operating income to assets | 0.8178% | 3,070 |
| Return on assets (ROA) | 0.8178% | 3,236 |
| Pretax return on assets | 1.2286% | 2,528 |
| Return on Equity (ROE) | 7.9804% | 3,048 |
| Retained earnings to average equity (ytd only) | 7.9804% | 1,516 |
| Net charge-offs to loans | 0.3646% | 3,265 |
| Credit loss provision to net charge-offs | 105.3691% | 3,152 |
| Earnings coverage of net charge-offs (x) | 5.4537% | 2,777 |
| Efficiency ratio | 65.5444% | 4,797 |
| Assets per employee ($millions) | 3.4366% | 5,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7389% | 6,914 |
| Loan loss allowance to noncurrent loans | 90.4783% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.1098% | 4,559 |
| Noncurrent loans to loans | 0.8166% | 5,234 |
| Net loans and leases to total assets | 76.0261% | 972 |
| Net loans and leases to deposits | 92.8724% | 926 |
| Net loans and leases to core deposits | 95.9563% | 1,610 |
| Total domestic deposits to total assets | 81.8609% | 5,146 |
| Equity capital to assets | 10.4310% | 3,790 |
| Core capital (leverage) ratio | 8.5702% | 5,598 |
| Tier 1 risk-based capital ratio | 11.4952% | 6,244 |
| Total risk-based capital ratio | 12.2724% | 6,512 |
| Memoranda: | ||
| Average total assets | $355,742,250 | 1,829 |
| Average earning assets | $327,806,000 | 1,814 |
| Average equity | $36,455,250 | 1,846 |
| Average total loans | $272,407,750 | 1,568 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4282% | 1,483 |
| Cost of funding earning assets | 1.0131% | 3,866 |
| Net interest margin | 4.4151% | 1,324 |
| Noninterest income to average assets | 0.5595% | 3,405 |
| Noninterest expense to average assets | 3.1744% | 2,988 |
| Loan and lease loss provision to assets | 0.2843% | 3,107 |
| Net operating income to assets | 0.7727% | 3,188 |
| Return on assets (ROA) | 0.7727% | 3,323 |
| Pretax return on assets | 1.1593% | 2,642 |
| Return on Equity (ROE) | 7.5876% | 3,146 |
| Retained earnings to average equity (ytd only) | 7.5876% | 1,622 |
| Net charge-offs to loans | 0.3943% | 2,977 |
| Credit loss provision to net charge-offs | 94.1620% | 3,338 |
| Earnings coverage of net charge-offs (x) | 4.7815% | 2,780 |
| Efficiency ratio | 66.8678% | 4,715 |
| Assets per employee ($millions) | 3.4827% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7309% | 6,978 |
| Loan loss allowance to noncurrent loans | 100.0498% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 1.0491% | 4,788 |
| Noncurrent loans to loans | 0.7305% | 5,450 |
| Net loans and leases to total assets | 73.9502% | 1,428 |
| Net loans and leases to deposits | 93.7683% | 887 |
| Net loans and leases to core deposits | 96.2935% | 1,649 |
| Total domestic deposits to total assets | 78.8648% | 6,116 |
| Equity capital to assets | 10.0146% | 4,131 |
| Core capital (leverage) ratio | 8.7244% | 5,183 |
| Tier 1 risk-based capital ratio | 11.2764% | 6,334 |
| Total risk-based capital ratio | 12.0349% | 6,646 |
| Memoranda: | ||
| Average total assets | $351,752,000 | 1,866 |
| Average earning assets | $323,348,330 | 1,842 |
| Average equity | $35,821,670 | 1,873 |
| Average total loans | $269,330,670 | 1,602 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4805% | 1,351 |
| Cost of funding earning assets | 1.0356% | 3,950 |
| Net interest margin | 4.4449% | 1,186 |
| Noninterest income to average assets | 0.5329% | 3,626 |
| Noninterest expense to average assets | 3.1972% | 2,906 |
| Loan and lease loss provision to assets | 0.3207% | 2,624 |
| Net operating income to assets | 0.7206% | 3,430 |
| Return on assets (ROA) | 0.7206% | 3,495 |
| Pretax return on assets | 1.0786% | 2,835 |
| Return on Equity (ROE) | 7.0133% | 3,375 |
| Retained earnings to average equity (ytd only) | 7.0133% | 2,140 |
| Net charge-offs to loans | 0.2567% | 3,046 |
| Credit loss provision to net charge-offs | 160.8187% | 1,794 |
| Earnings coverage of net charge-offs (x) | 7.0175% | 2,016 |
| Efficiency ratio | 67.6306% | 4,734 |
| Assets per employee ($millions) | 3.4597% | 5,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8090% | 6,896 |
| Loan loss allowance to noncurrent loans | 61.0068% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 1.0823% | 4,760 |
| Noncurrent loans to loans | 1.3261% | 4,483 |
| Net loans and leases to total assets | 75.2638% | 1,140 |
| Net loans and leases to deposits | 91.4256% | 1,070 |
| Net loans and leases to core deposits | 94.8143% | 1,789 |
| Total domestic deposits to total assets | 82.3225% | 5,181 |
| Equity capital to assets | 10.1996% | 3,540 |
| Core capital (leverage) ratio | 8.5084% | 5,435 |
| Tier 1 risk-based capital ratio | 11.3511% | 6,211 |
| Total risk-based capital ratio | 12.1888% | 6,528 |
| Memoranda: | ||
| Average total assets | $343,047,000 | 1,913 |
| Average earning assets | $313,620,000 | 1,905 |
| Average equity | $35,247,500 | 1,885 |
| Average total loans | $266,493,000 | 1,633 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5054% | 2,259 |
| Cost of funding earning assets | 1.4259% | 3,095 |
| Net interest margin | 4.0795% | 2,664 |
| Noninterest income to average assets | 0.5567% | 3,780 |
| Noninterest expense to average assets | 3.3825% | 2,482 |
| Loan and lease loss provision to assets | 0.3482% | 4,040 |
| Net operating income to assets | 0.4375% | 4,374 |
| Return on assets (ROA) | 0.7350% | 3,198 |
| Pretax return on assets | 1.0709% | 2,698 |
| Return on Equity (ROE) | 8.3151% | 2,574 |
| Retained earnings to average equity (ytd only) | 7.0514% | 1,298 |
| Net charge-offs to loans | 0.3988% | 4,048 |
| Credit loss provision to net charge-offs | 113.7470% | 3,824 |
| Earnings coverage of net charge-offs (x) | 3.2275% | 3,462 |
| Efficiency ratio | 76.1012% | 3,042 |
| Assets per employee ($millions) | 3.4708% | 5,002 |
| Cash dividends to net income (ytd only)* | 15.1976% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7620% | 7,042 |
| Loan loss allowance to noncurrent loans | 85.9368% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.7845% | 5,445 |
| Noncurrent loans to loans | 0.8867% | 5,285 |
| Net loans and leases to total assets | 78.9528% | 806 |
| Net loans and leases to deposits | 97.1439% | 774 |
| Net loans and leases to core deposits | 101.2868% | 1,510 |
| Total domestic deposits to total assets | 81.2741% | 5,427 |
| Equity capital to assets | 10.3530% | 3,326 |
| Core capital (leverage) ratio | 8.7898% | 4,876 |
| Tier 1 risk-based capital ratio | 11.2084% | 6,174 |
| Total risk-based capital ratio | 12.0148% | 6,489 |
| Memoranda: | ||
| Average total assets | $268,556,000 | 2,375 |
| Average earning assets | $251,061,200 | 2,332 |
| Average equity | $23,740,000 | 2,677 |
| Average total loans | $206,143,200 | 2,103 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3975% | 2,899 |
| Cost of funding earning assets | 1.5682% | 2,558 |
| Net interest margin | 3.8293% | 3,848 |
| Noninterest income to average assets | 0.4675% | 4,435 |
| Noninterest expense to average assets | 3.3406% | 2,454 |
| Loan and lease loss provision to assets | 0.3260% | 3,979 |
| Net operating income to assets | 0.2723% | 5,268 |
| Return on assets (ROA) | 0.6955% | 3,595 |
| Pretax return on assets | 1.0087% | 3,151 |
| Return on Equity (ROE) | 8.3454% | 2,774 |
| Retained earnings to average equity (ytd only) | 6.4371% | 2,122 |
| Net charge-offs to loans | 0.2258% | 4,576 |
| Credit loss provision to net charge-offs | 190.4025% | 1,889 |
| Earnings coverage of net charge-offs (x) | 4.2136% | 3,150 |
| Efficiency ratio | 81.2476% | 2,162 |
| Assets per employee ($millions) | 3.5444% | 4,866 |
| Cash dividends to net income (ytd only)* | 22.8658% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8261% | 6,945 |
| Loan loss allowance to noncurrent loans | 105.7143% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.6303% | 5,869 |
| Noncurrent loans to loans | 0.7815% | 5,650 |
| Net loans and leases to total assets | 79.9906% | 752 |
| Net loans and leases to deposits | 100.7253% | 608 |
| Net loans and leases to core deposits | 104.8015% | 1,414 |
| Total domestic deposits to total assets | 79.4147% | 5,892 |
| Equity capital to assets | 10.4286% | 3,601 |
| Core capital (leverage) ratio | 9.3073% | 4,199 |
| Tier 1 risk-based capital ratio | 10.9611% | 6,410 |
| Total risk-based capital ratio | 11.8425% | 6,697 |
| Memoranda: | ||
| Average total assets | $251,528,250 | 2,565 |
| Average earning assets | $236,102,000 | 2,508 |
| Average equity | $20,961,250 | 3,053 |
| Average total loans | $190,716,750 | 2,281 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1912% | 4,003 |
| Cost of funding earning assets | 1.8675% | 1,346 |
| Net interest margin | 3.3237% | 5,929 |
| Noninterest income to average assets | 0.2960% | 5,777 |
| Noninterest expense to average assets | 2.3200% | 6,302 |
| Loan and lease loss provision to assets | 0.1872% | 4,998 |
| Net operating income to assets | 0.6648% | 3,559 |
| Return on assets (ROA) | 0.6660% | 3,696 |
| Pretax return on assets | 0.9389% | 3,351 |
| Return on Equity (ROE) | 9.1283% | 2,410 |
| Retained earnings to average equity (ytd only) | 5.4623% | 2,635 |
| Net charge-offs to loans | 0.0449% | 5,755 |
| Credit loss provision to net charge-offs | 567.5676% | 653 |
| Earnings coverage of net charge-offs (x) | 34.0811% | 827 |
| Efficiency ratio | 67.3570% | 4,700 |
| Assets per employee ($millions) | 4.8700% | 2,342 |
| Cash dividends to net income (ytd only)* | 40.1606% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 5,242 |
| Loan loss allowance to noncurrent loans | 90.7991% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 1.0114% | 5,123 |
| Noncurrent loans to loans | 1.3650% | 4,660 |
| Net loans and leases to total assets | 73.1748% | 2,118 |
| Net loans and leases to deposits | 108.4331% | 313 |
| Net loans and leases to core deposits | 115.9711% | 846 |
| Total domestic deposits to total assets | 67.4838% | 7,450 |
| Equity capital to assets | 7.3092% | 7,220 |
| Core capital (leverage) ratio | 6.9150% | 7,233 |
| Tier 1 risk-based capital ratio | 9.7376% | 7,167 |
| Total risk-based capital ratio | 10.9881% | 7,156 |
| Memoranda: | ||
| Average total assets | $224,314,670 | 2,878 |
| Average earning assets | $212,474,000 | 2,784 |
| Average equity | $16,366,670 | 3,741 |
| Average total loans | $164,714,330 | 2,628 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0541% | 4,769 |
| Cost of funding earning assets | 1.9044% | 1,431 |
| Net interest margin | 3.1497% | 6,452 |
| Noninterest income to average assets | 0.2774% | 5,927 |
| Noninterest expense to average assets | 2.0700% | 7,015 |
| Loan and lease loss provision to assets | 0.1892% | 4,605 |
| Net operating income to assets | 0.6874% | 3,493 |
| Return on assets (ROA) | 0.6900% | 3,599 |
| Pretax return on assets | 0.9747% | 3,188 |
| Return on Equity (ROE) | 9.4656% | 2,308 |
| Retained earnings to average equity (ytd only) | 9.4656% | 1,277 |
| Net charge-offs to loans | 0.0592% | 4,822 |
| Credit loss provision to net charge-offs | 437.5000% | 952 |
| Earnings coverage of net charge-offs (x) | 26.8333% | 944 |
| Efficiency ratio | 64.0825% | 5,478 |
| Assets per employee ($millions) | 5.2665% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 5,328 |
| Loan loss allowance to noncurrent loans | 112.8652% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.7860% | 5,580 |
| Noncurrent loans to loans | 1.0907% | 5,178 |
| Net loans and leases to total assets | 71.1801% | 2,653 |
| Net loans and leases to deposits | 102.8259% | 602 |
| Net loans and leases to core deposits | 111.8518% | 1,172 |
| Total domestic deposits to total assets | 69.2239% | 7,461 |
| Equity capital to assets | 7.2534% | 7,248 |
| Core capital (leverage) ratio | 7.1104% | 7,170 |
| Tier 1 risk-based capital ratio | 9.9338% | 7,078 |
| Total risk-based capital ratio | 11.1847% | 7,061 |
| Memoranda: | ||
| Average total assets | $222,027,500 | 2,963 |
| Average earning assets | $208,148,000 | 2,898 |
| Average equity | $16,185,000 | 3,800 |
| Average total loans | $162,276,000 | 2,735 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4747% | 4,296 |
| Cost of funding earning assets | 2.2654% | 1,785 |
| Net interest margin | 3.2092% | 6,058 |
| Noninterest income to average assets | 0.3119% | 5,851 |
| Noninterest expense to average assets | 2.3074% | 6,730 |
| Loan and lease loss provision to assets | 0.2098% | 5,663 |
| Net operating income to assets | 0.5697% | 3,445 |
| Return on assets (ROA) | 0.6169% | 3,337 |
| Pretax return on assets | 0.8538% | 3,074 |
| Return on Equity (ROE) | 7.7452% | 2,482 |
| Retained earnings to average equity (ytd only) | 5.8824% | 1,396 |
| Net charge-offs to loans | 0.0673% | 6,439 |
| Credit loss provision to net charge-offs | 411.2245% | 767 |
| Earnings coverage of net charge-offs (x) | 19.5612% | 1,076 |
| Efficiency ratio | 69.8063% | 4,668 |
| Assets per employee ($millions) | 5.1809% | 1,966 |
| Cash dividends to net income (ytd only)* | 24.0506% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 5,401 |
| Loan loss allowance to noncurrent loans | 62.2538% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.4233% | 4,280 |
| Noncurrent loans to loans | 1.9194% | 3,774 |
| Net loans and leases to total assets | 73.2648% | 2,436 |
| Net loans and leases to deposits | 97.6533% | 1,139 |
| Net loans and leases to core deposits | 123.1790% | 1,704 |
| Total domestic deposits to total assets | 75.0254% | 6,862 |
| Equity capital to assets | 7.3273% | 7,173 |
| Core capital (leverage) ratio | 7.3295% | 6,955 |
| Tier 1 risk-based capital ratio | 9.6297% | 7,136 |
| Total risk-based capital ratio | 10.8569% | 7,135 |
| Memoranda: | ||
| Average total assets | $192,076,200 | 3,265 |
| Average earning assets | $179,170,000 | 3,223 |
| Average equity | $15,299,800 | 4,014 |
| Average total loans | $145,551,000 | 2,991 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4302% | 4,792 |
| Cost of funding earning assets | 2.3150% | 1,929 |
| Net interest margin | 3.1152% | 6,269 |
| Noninterest income to average assets | 0.2879% | 6,178 |
| Noninterest expense to average assets | 2.3572% | 6,538 |
| Loan and lease loss provision to assets | 0.1781% | 5,579 |
| Net operating income to assets | 0.5053% | 3,961 |
| Return on assets (ROA) | 0.5722% | 3,787 |
| Pretax return on assets | 0.7697% | 3,627 |
| Return on Equity (ROE) | 7.0193% | 3,058 |
| Retained earnings to average equity (ytd only) | 7.0193% | 1,494 |
| Net charge-offs to loans | 0.0942% | 5,734 |
| Credit loss provision to net charge-offs | 248.0000% | 1,741 |
| Earnings coverage of net charge-offs (x) | 11.9400% | 1,812 |
| Efficiency ratio | 73.3304% | 3,991 |
| Assets per employee ($millions) | 5.0553% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 5,431 |
| Loan loss allowance to noncurrent loans | 80.1357% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.0929% | 4,894 |
| Noncurrent loans to loans | 1.4313% | 4,527 |
| Net loans and leases to total assets | 75.4835% | 2,102 |
| Net loans and leases to deposits | 106.5172% | 626 |
| Net loans and leases to core deposits | 141.2603% | 862 |
| Total domestic deposits to total assets | 70.8651% | 7,342 |
| Equity capital to assets | 7.8458% | 6,993 |
| Core capital (leverage) ratio | 7.7553% | 6,660 |
| Tier 1 risk-based capital ratio | 9.9398% | 7,028 |
| Total risk-based capital ratio | 11.1133% | 7,051 |
| Memoranda: | ||
| Average total assets | $185,696,000 | 3,373 |
| Average earning assets | $174,451,500 | 3,317 |
| Average equity | $15,138,750 | 4,075 |
| Average total loans | $141,601,250 | 3,084 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4140% | 5,067 |
| Cost of funding earning assets | 2.3782% | 2,049 |
| Net interest margin | 3.0358% | 6,448 |
| Noninterest income to average assets | 0.2198% | 6,729 |
| Noninterest expense to average assets | 2.3653% | 6,571 |
| Loan and lease loss provision to assets | 0.1831% | 5,203 |
| Net operating income to assets | 0.3754% | 4,598 |
| Return on assets (ROA) | 0.4817% | 4,280 |
| Pretax return on assets | 0.6349% | 4,221 |
| Return on Equity (ROE) | 5.8268% | 3,735 |
| Retained earnings to average equity (ytd only) | 5.8268% | 2,105 |
| Net charge-offs to loans | 0.1180% | 4,981 |
| Credit loss provision to net charge-offs | 203.7037% | 2,232 |
| Earnings coverage of net charge-offs (x) | 7.5432% | 2,431 |
| Efficiency ratio | 77.7170% | 3,390 |
| Assets per employee ($millions) | 4.5030% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 5,260 |
| Loan loss allowance to noncurrent loans | 106.0248% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.8513% | 5,282 |
| Noncurrent loans to loans | 1.0859% | 5,027 |
| Net loans and leases to total assets | 77.4923% | 1,865 |
| Net loans and leases to deposits | 109.4999% | 575 |
| Net loans and leases to core deposits | 143.6576% | 852 |
| Total domestic deposits to total assets | 70.7692% | 7,397 |
| Equity capital to assets | 7.9656% | 6,792 |
| Core capital (leverage) ratio | 8.0929% | 6,174 |
| Tier 1 risk-based capital ratio | 10.2519% | 6,650 |
| Total risk-based capital ratio | 11.4475% | 6,644 |
| Memoranda: | ||
| Average total assets | $180,191,000 | 3,481 |
| Average earning assets | $167,602,330 | 3,437 |
| Average equity | $14,896,670 | 4,129 |
| Average total loans | $137,332,670 | 3,202 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3308% | 5,749 |
| Cost of funding earning assets | 2.4206% | 2,204 |
| Net interest margin | 2.9102% | 6,722 |
| Noninterest income to average assets | 0.1753% | 7,051 |
| Noninterest expense to average assets | 2.1602% | 6,978 |
| Loan and lease loss provision to assets | 0.1889% | 4,552 |
| Net operating income to assets | 0.4166% | 4,790 |
| Return on assets (ROA) | 0.4166% | 4,968 |
| Pretax return on assets | 0.5190% | 5,025 |
| Return on Equity (ROE) | 4.9418% | 4,495 |
| Retained earnings to average equity (ytd only) | 4.9418% | 3,160 |
| Net charge-offs to loans | 0.1244% | 3,971 |
| Credit loss provision to net charge-offs | 202.4390% | 2,193 |
| Earnings coverage of net charge-offs (x) | 7.5854% | 2,322 |
| Efficiency ratio | 75.3175% | 3,600 |
| Assets per employee ($millions) | 4.6110% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 4,647 |
| Loan loss allowance to noncurrent loans | 115.2249% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.8035% | 5,165 |
| Noncurrent loans to loans | 1.0608% | 4,864 |
| Net loans and leases to total assets | 74.8218% | 2,548 |
| Net loans and leases to deposits | 108.9384% | 672 |
| Net loans and leases to core deposits | 140.5713% | 1,075 |
| Total domestic deposits to total assets | 68.6826% | 7,546 |
| Equity capital to assets | 8.3774% | 6,272 |
| Core capital (leverage) ratio | 8.3307% | 5,846 |
| Tier 1 risk-based capital ratio | 10.5019% | 6,395 |
| Total risk-based capital ratio | 11.7173% | 6,343 |
| Memoranda: | ||
| Average total assets | $175,723,500 | 3,564 |
| Average earning assets | $162,602,000 | 3,533 |
| Average equity | $14,812,500 | 4,173 |
| Average total loans | $131,866,500 | 3,325 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9500% | 5,810 |
| Cost of funding earning assets | 2.8829% | 2,341 |
| Net interest margin | 3.0671% | 6,745 |
| Noninterest income to average assets | 0.1908% | 7,091 |
| Noninterest expense to average assets | 2.2793% | 6,760 |
| Loan and lease loss provision to assets | 0.0994% | 6,108 |
| Net operating income to assets | 0.5488% | 4,534 |
| Return on assets (ROA) | 0.5637% | 4,319 |
| Pretax return on assets | 0.7558% | 4,230 |
| Return on Equity (ROE) | 6.0998% | 3,902 |
| Retained earnings to average equity (ytd only) | 6.0998% | 1,484 |
| Net charge-offs to loans | 0.0858% | 5,526 |
| Credit loss provision to net charge-offs | 154.6392% | 3,375 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 2,182 |
| Efficiency ratio | 73.1816% | 3,712 |
| Assets per employee ($millions) | 4.2904% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 3,974 |
| Loan loss allowance to noncurrent loans | 299.4465% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 6,344 |
| Noncurrent loans to loans | 0.4250% | 6,065 |
| Net loans and leases to total assets | 73.3570% | 3,272 |
| Net loans and leases to deposits | 104.3993% | 1,300 |
| Net loans and leases to core deposits | 126.7128% | 2,111 |
| Total domestic deposits to total assets | 70.2658% | 7,246 |
| Equity capital to assets | 8.4840% | 6,113 |
| Core capital (leverage) ratio | 9.1430% | 4,537 |
| Tier 1 risk-based capital ratio | 10.8918% | 5,815 |
| Total risk-based capital ratio | 12.1376% | 5,741 |
| Memoranda: | ||
| Average total assets | $150,969,800 | 3,880 |
| Average earning assets | $143,916,200 | 3,761 |
| Average equity | $13,951,200 | 4,348 |
| Average total loans | $113,044,400 | 3,612 |