Home > First Sentry Bank, Inc. > Performance and Condition Ratios
First Sentry Bank, Inc., Performance and Condition Ratios
| 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 | 4.1145% | 3,189 |
| Cost of funding earning assets | 0.9333% | 506 |
| Net interest margin | 3.1812% | 4,528 |
| Noninterest income to average assets | 0.2587% | 4,448 |
| Noninterest expense to average assets | 1.7487% | 5,205 |
| Loan and lease loss provision to assets | 0.1324% | 1,429 |
| Net operating income to assets | 1.1123% | 2,367 |
| Return on assets (ROA) | 1.0812% | 2,532 |
| Pretax return on assets | 1.3648% | 2,123 |
| Return on Equity (ROE) | 12.4890% | 1,415 |
| Retained earnings to average equity (ytd only) | 8.2983% | 1,731 |
| Net charge-offs to loans | 0.2054% | 719 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 11.6067% | 1,837 |
| Efficiency ratio | 53.2288% | 4,863 |
| Assets per employee ($millions) | 8.4946% | 531 |
| Cash dividends to net income (ytd only)* | 33.5553% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 2,128 |
| Loan loss allowance to noncurrent loans | 477.3220% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 3,543 |
| Noncurrent loans to loans | 0.2774% | 3,778 |
| Net loans and leases to total assets | 65.1748% | 3,154 |
| Net loans and leases to deposits | 79.5785% | 2,859 |
| Net loans and leases to core deposits | 129.1219% | 357 |
| Total domestic deposits to total assets | 81.9000% | 3,993 |
| Equity capital to assets | 8.9479% | 4,616 |
| Core capital (leverage) ratio | 8.5406% | 5,120 |
| Tier 1 risk-based capital ratio | 13.2183% | 3,837 |
| Total risk-based capital ratio | 14.4693% | 3,729 |
| Memoranda: | ||
| Average total assets | $722,150,000 | 1,044 |
| Average earning assets | $687,041,500 | 1,011 |
| Average equity | $62,519,000 | 1,283 |
| Average total loans | $465,412,500 | 1,127 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0373% | 3,285 |
| Cost of funding earning assets | 0.7682% | 743 |
| Net interest margin | 3.2692% | 4,257 |
| Noninterest income to average assets | 0.2893% | 4,393 |
| Noninterest expense to average assets | 1.8599% | 5,177 |
| Loan and lease loss provision to assets | 0.0969% | 2,272 |
| Net operating income to assets | 0.9675% | 2,371 |
| Return on assets (ROA) | 0.9523% | 2,469 |
| Pretax return on assets | 1.4127% | 1,952 |
| Return on Equity (ROE) | 10.7213% | 1,580 |
| Retained earnings to average equity (ytd only) | 7.1059% | 1,040 |
| Net charge-offs to loans | 0.1220% | 1,829 |
| Credit loss provision to net charge-offs | 119.0909% | 2,201 |
| Earnings coverage of net charge-offs (x) | 18.8273% | 2,056 |
| Efficiency ratio | 54.8270% | 4,876 |
| Assets per employee ($millions) | 8.2139% | 592 |
| Cash dividends to net income (ytd only)* | 33.7218% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 2,087 |
| Loan loss allowance to noncurrent loans | 310.0553% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4016% | 3,254 |
| Noncurrent loans to loans | 0.4276% | 3,252 |
| Net loans and leases to total assets | 62.0867% | 3,612 |
| Net loans and leases to deposits | 76.5917% | 3,272 |
| Net loans and leases to core deposits | 131.1847% | 315 |
| Total domestic deposits to total assets | 81.0619% | 4,108 |
| Equity capital to assets | 8.3803% | 5,205 |
| Core capital (leverage) ratio | 8.6359% | 5,005 |
| Tier 1 risk-based capital ratio | 12.8202% | 4,024 |
| Total risk-based capital ratio | 14.0712% | 3,917 |
| Memoranda: | ||
| Average total assets | $675,749,400 | 1,077 |
| Average earning assets | $641,387,000 | 1,048 |
| Average equity | $60,020,600 | 1,308 |
| Average total loans | $450,852,800 | 1,128 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0465% | 3,192 |
| Cost of funding earning assets | 0.7495% | 761 |
| Net interest margin | 3.2970% | 4,180 |
| Noninterest income to average assets | 0.3039% | 4,361 |
| Noninterest expense to average assets | 1.8662% | 5,180 |
| Loan and lease loss provision to assets | 0.1243% | 1,739 |
| Net operating income to assets | 0.9801% | 2,642 |
| Return on assets (ROA) | 0.9682% | 2,755 |
| Pretax return on assets | 1.4267% | 2,029 |
| Return on Equity (ROE) | 10.7312% | 1,812 |
| Retained earnings to average equity (ytd only) | 7.1079% | 1,637 |
| Net charge-offs to loans | 0.0841% | 1,964 |
| Credit loss provision to net charge-offs | 218.0851% | 1,266 |
| Earnings coverage of net charge-offs (x) | 27.5249% | 1,631 |
| Efficiency ratio | 54.3358% | 4,911 |
| Assets per employee ($millions) | 7.3231% | 818 |
| Cash dividends to net income (ytd only)* | 33.7646% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 1,863 |
| Loan loss allowance to noncurrent loans | 267.1261% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.4575% | 3,203 |
| Noncurrent loans to loans | 0.5263% | 3,117 |
| Net loans and leases to total assets | 67.3033% | 2,946 |
| Net loans and leases to deposits | 85.1666% | 2,414 |
| Net loans and leases to core deposits | 122.7844% | 490 |
| Total domestic deposits to total assets | 79.0254% | 4,525 |
| Equity capital to assets | 9.1956% | 4,730 |
| Core capital (leverage) ratio | 8.7570% | 5,008 |
| Tier 1 risk-based capital ratio | 12.8552% | 4,111 |
| Total risk-based capital ratio | 14.1069% | 4,007 |
| Memoranda: | ||
| Average total assets | $659,874,250 | 1,109 |
| Average earning assets | $626,574,250 | 1,080 |
| Average equity | $59,538,000 | 1,331 |
| Average total loans | $447,280,250 | 1,141 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9743% | 3,303 |
| Cost of funding earning assets | 0.7119% | 838 |
| Net interest margin | 3.2624% | 4,230 |
| Noninterest income to average assets | 0.3354% | 4,146 |
| Noninterest expense to average assets | 1.8930% | 5,192 |
| Loan and lease loss provision to assets | 0.1338% | 1,555 |
| Net operating income to assets | 0.9506% | 2,657 |
| Return on assets (ROA) | 0.9409% | 2,773 |
| Pretax return on assets | 1.3836% | 2,084 |
| Return on Equity (ROE) | 10.4957% | 1,829 |
| Retained earnings to average equity (ytd only) | 6.8287% | 1,676 |
| Net charge-offs to loans | 0.0400% | 2,401 |
| Credit loss provision to net charge-offs | 494.3820% | 673 |
| Earnings coverage of net charge-offs (x) | 56.5955% | 988 |
| Efficiency ratio | 55.2744% | 4,897 |
| Assets per employee ($millions) | 7.1123% | 885 |
| Cash dividends to net income (ytd only)* | 34.9386% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 1,929 |
| Loan loss allowance to noncurrent loans | 361.2958% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 3,506 |
| Noncurrent loans to loans | 0.3892% | 3,628 |
| Net loans and leases to total assets | 67.9806% | 2,822 |
| Net loans and leases to deposits | 84.6042% | 2,390 |
| Net loans and leases to core deposits | 129.9930% | 308 |
| Total domestic deposits to total assets | 80.3514% | 4,336 |
| Equity capital to assets | 9.1026% | 4,803 |
| Core capital (leverage) ratio | 8.5712% | 5,168 |
| Tier 1 risk-based capital ratio | 12.3246% | 4,404 |
| Total risk-based capital ratio | 13.5761% | 4,304 |
| Memoranda: | ||
| Average total assets | $657,697,000 | 1,110 |
| Average earning assets | $622,802,000 | 1,086 |
| Average equity | $58,957,330 | 1,335 |
| Average total loans | $444,737,670 | 1,150 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8959% | 3,414 |
| Cost of funding earning assets | 0.6547% | 1,055 |
| Net interest margin | 3.2412% | 4,213 |
| Noninterest income to average assets | 0.3342% | 4,167 |
| Noninterest expense to average assets | 1.8462% | 5,308 |
| Loan and lease loss provision to assets | 0.1567% | 1,157 |
| Net operating income to assets | 0.9416% | 2,557 |
| Return on assets (ROA) | 0.9283% | 2,678 |
| Pretax return on assets | 1.3644% | 2,011 |
| Return on Equity (ROE) | 10.4369% | 1,763 |
| Retained earnings to average equity (ytd only) | 6.7202% | 1,964 |
| Net charge-offs to loans | 0.1795% | 935 |
| Credit loss provision to net charge-offs | 130.4569% | 1,309 |
| Earnings coverage of net charge-offs (x) | 12.8223% | 1,825 |
| Efficiency ratio | 54.5111% | 5,086 |
| Assets per employee ($millions) | 7.4921% | 760 |
| Cash dividends to net income (ytd only)* | 35.6110% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 2,133 |
| Loan loss allowance to noncurrent loans | 549.0583% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 3,813 |
| Noncurrent loans to loans | 0.2524% | 4,211 |
| Net loans and leases to total assets | 63.8975% | 3,293 |
| Net loans and leases to deposits | 79.3191% | 2,829 |
| Net loans and leases to core deposits | 121.0988% | 436 |
| Total domestic deposits to total assets | 80.5575% | 4,510 |
| Equity capital to assets | 8.6431% | 5,115 |
| Core capital (leverage) ratio | 8.6210% | 5,131 |
| Tier 1 risk-based capital ratio | 12.5907% | 4,329 |
| Total risk-based capital ratio | 13.8421% | 4,240 |
| Memoranda: | ||
| Average total assets | $655,822,500 | 1,116 |
| Average earning assets | $617,671,500 | 1,096 |
| Average equity | $58,331,500 | 1,347 |
| Average total loans | $439,072,500 | 1,160 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0837% | 2,919 |
| Cost of funding earning assets | 0.6484% | 1,066 |
| Net interest margin | 3.4353% | 3,681 |
| Noninterest income to average assets | 0.3210% | 4,447 |
| Noninterest expense to average assets | 1.9966% | 5,201 |
| Loan and lease loss provision to assets | 0.0713% | 2,936 |
| Net operating income to assets | 1.0059% | 2,329 |
| Return on assets (ROA) | 0.9937% | 2,482 |
| Pretax return on assets | 1.4486% | 1,756 |
| Return on Equity (ROE) | 10.1013% | 1,913 |
| Retained earnings to average equity (ytd only) | 0.6247% | 5,080 |
| Net charge-offs to loans | 0.0319% | 3,386 |
| Credit loss provision to net charge-offs | 313.0081% | 948 |
| Earnings coverage of net charge-offs (x) | 67.5203% | 818 |
| Efficiency ratio | 56.4955% | 5,015 |
| Assets per employee ($millions) | 6.9985% | 926 |
| Cash dividends to net income (ytd only)* | 93.8152% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 2,127 |
| Loan loss allowance to noncurrent loans | 300.0990% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4868% | 3,310 |
| Noncurrent loans to loans | 0.4629% | 3,502 |
| Net loans and leases to total assets | 68.3195% | 2,722 |
| Net loans and leases to deposits | 83.1935% | 2,515 |
| Net loans and leases to core deposits | 119.9615% | 482 |
| Total domestic deposits to total assets | 82.1212% | 4,043 |
| Equity capital to assets | 9.1664% | 4,623 |
| Core capital (leverage) ratio | 9.0918% | 4,627 |
| Tier 1 risk-based capital ratio | 12.9852% | 4,090 |
| Total risk-based capital ratio | 14.2372% | 3,992 |
| Memoranda: | ||
| Average total assets | $540,181,800 | 1,283 |
| Average earning assets | $505,230,200 | 1,266 |
| Average equity | $53,141,600 | 1,446 |
| Average total loans | $385,647,200 | 1,235 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 2,865 |
| Cost of funding earning assets | 0.6578% | 1,016 |
| Net interest margin | 3.4456% | 3,691 |
| Noninterest income to average assets | 0.3015% | 4,612 |
| Noninterest expense to average assets | 1.9841% | 5,236 |
| Loan and lease loss provision to assets | 0.0507% | 3,232 |
| Net operating income to assets | 1.0090% | 2,391 |
| Return on assets (ROA) | 0.9961% | 2,589 |
| Pretax return on assets | 1.4475% | 1,887 |
| Return on Equity (ROE) | 9.9190% | 2,085 |
| Retained earnings to average equity (ytd only) | 6.6648% | 1,808 |
| Net charge-offs to loans | 0.0093% | 3,604 |
| Credit loss provision to net charge-offs | 757.6923% | 523 |
| Earnings coverage of net charge-offs (x) | 226.5495% | 342 |
| Efficiency ratio | 56.6711% | 4,999 |
| Assets per employee ($millions) | 7.1074% | 852 |
| Cash dividends to net income (ytd only)* | 32.8077% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5823% | 1,532 |
| Loan loss allowance to noncurrent loans | 277.7209% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 3,310 |
| Noncurrent loans to loans | 0.5698% | 3,291 |
| Net loans and leases to total assets | 68.7535% | 2,692 |
| Net loans and leases to deposits | 83.8601% | 2,501 |
| Net loans and leases to core deposits | 122.2370% | 450 |
| Total domestic deposits to total assets | 81.9859% | 3,938 |
| Equity capital to assets | 9.8918% | 4,250 |
| Core capital (leverage) ratio | 9.5098% | 4,165 |
| Tier 1 risk-based capital ratio | 14.3118% | 3,388 |
| Total risk-based capital ratio | 15.5672% | 3,317 |
| Memoranda: | ||
| Average total assets | $517,761,250 | 1,329 |
| Average earning assets | $480,799,500 | 1,325 |
| Average equity | $51,993,000 | 1,481 |
| Average total loans | $372,963,500 | 1,263 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 2,829 |
| Cost of funding earning assets | 0.6560% | 1,025 |
| Net interest margin | 3.4507% | 3,681 |
| Noninterest income to average assets | 0.2900% | 4,711 |
| Noninterest expense to average assets | 1.9906% | 5,291 |
| Loan and lease loss provision to assets | 0.0764% | 2,607 |
| Net operating income to assets | 1.0044% | 2,374 |
| Return on assets (ROA) | 0.9935% | 2,560 |
| Pretax return on assets | 1.4419% | 1,870 |
| Return on Equity (ROE) | 9.8421% | 2,118 |
| Retained earnings to average equity (ytd only) | 6.5847% | 1,822 |
| Net charge-offs to loans | -0.0215% | 4,977 |
| Credit loss provision to net charge-offs | -487.5000% | 4,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4773% | 5,091 |
| Assets per employee ($millions) | 6.7096% | 997 |
| Cash dividends to net income (ytd only)* | 33.0966% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6068% | 1,508 |
| Loan loss allowance to noncurrent loans | 194.4265% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.7530% | 2,718 |
| Noncurrent loans to loans | 0.8264% | 2,678 |
| Net loans and leases to total assets | 72.4721% | 2,095 |
| Net loans and leases to deposits | 90.1559% | 1,737 |
| Net loans and leases to core deposits | 127.4737% | 344 |
| Total domestic deposits to total assets | 80.3853% | 4,456 |
| Equity capital to assets | 10.3172% | 3,834 |
| Core capital (leverage) ratio | 9.7422% | 3,881 |
| Tier 1 risk-based capital ratio | 14.1753% | 3,511 |
| Total risk-based capital ratio | 15.4312% | 3,423 |
| Memoranda: | ||
| Average total assets | $510,293,000 | 1,357 |
| Average earning assets | $478,342,670 | 1,330 |
| Average equity | $51,513,330 | 1,497 |
| Average total loans | $371,500,000 | 1,263 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 2,780 |
| Cost of funding earning assets | 0.6707% | 945 |
| Net interest margin | 3.4482% | 3,675 |
| Noninterest income to average assets | 0.2437% | 4,994 |
| Noninterest expense to average assets | 1.9104% | 5,509 |
| Loan and lease loss provision to assets | 0.1363% | 1,536 |
| Net operating income to assets | 0.9780% | 2,380 |
| Return on assets (ROA) | 0.9607% | 2,574 |
| Pretax return on assets | 1.3909% | 1,934 |
| Return on Equity (ROE) | 9.6224% | 2,147 |
| Retained earnings to average equity (ytd only) | 6.3024% | 2,230 |
| Net charge-offs to loans | -0.0281% | 5,033 |
| Credit loss provision to net charge-offs | -669.2308% | 4,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1709% | 5,270 |
| Assets per employee ($millions) | 6.9264% | 921 |
| Cash dividends to net income (ytd only)* | 34.5024% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 1,560 |
| Loan loss allowance to noncurrent loans | 257.6213% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.7033% | 2,958 |
| Noncurrent loans to loans | 0.6278% | 3,284 |
| Net loans and leases to total assets | 71.2123% | 2,149 |
| Net loans and leases to deposits | 88.7787% | 1,727 |
| Net loans and leases to core deposits | 120.4118% | 455 |
| Total domestic deposits to total assets | 80.2132% | 4,698 |
| Equity capital to assets | 10.0348% | 4,035 |
| Core capital (leverage) ratio | 9.6678% | 3,950 |
| Tier 1 risk-based capital ratio | 14.2151% | 3,553 |
| Total risk-based capital ratio | 15.4712% | 3,482 |
| Memoranda: | ||
| Average total assets | $510,473,000 | 1,354 |
| Average earning assets | $476,542,000 | 1,329 |
| Average equity | $50,964,500 | 1,509 |
| Average total loans | $369,453,000 | 1,270 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 2,437 |
| Cost of funding earning assets | 0.7259% | 712 |
| Net interest margin | 3.5096% | 3,487 |
| Noninterest income to average assets | 0.2649% | 4,977 |
| Noninterest expense to average assets | 1.8678% | 5,654 |
| Loan and lease loss provision to assets | 0.2388% | 805 |
| Net operating income to assets | 0.9787% | 2,472 |
| Return on assets (ROA) | 0.9715% | 2,588 |
| Pretax return on assets | 1.3898% | 1,941 |
| Return on Equity (ROE) | 9.9683% | 2,024 |
| Retained earnings to average equity (ytd only) | 6.5999% | 1,493 |
| Net charge-offs to loans | 0.2272% | 1,306 |
| Credit loss provision to net charge-offs | 143.8175% | 1,832 |
| Earnings coverage of net charge-offs (x) | 9.8715% | 2,763 |
| Efficiency ratio | 53.2625% | 5,569 |
| Assets per employee ($millions) | 6.7785% | 972 |
| Cash dividends to net income (ytd only)* | 33.7915% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 1,695 |
| Loan loss allowance to noncurrent loans | 215.6936% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.8969% | 2,424 |
| Noncurrent loans to loans | 0.7309% | 2,994 |
| Net loans and leases to total assets | 71.2255% | 2,165 |
| Net loans and leases to deposits | 88.3868% | 1,826 |
| Net loans and leases to core deposits | 119.5532% | 487 |
| Total domestic deposits to total assets | 80.5838% | 4,590 |
| Equity capital to assets | 9.9323% | 4,041 |
| Core capital (leverage) ratio | 9.4118% | 4,302 |
| Tier 1 risk-based capital ratio | 14.0027% | 3,711 |
| Total risk-based capital ratio | 15.2582% | 3,635 |
| Memoranda: | ||
| Average total assets | $501,715,400 | 1,341 |
| Average earning assets | $463,443,200 | 1,336 |
| Average equity | $48,895,000 | 1,529 |
| Average total loans | $366,618,000 | 1,242 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2448% | 2,426 |
| Cost of funding earning assets | 0.7337% | 703 |
| Net interest margin | 3.5110% | 3,496 |
| Noninterest income to average assets | 0.2360% | 5,240 |
| Noninterest expense to average assets | 1.8958% | 5,643 |
| Loan and lease loss provision to assets | 0.1253% | 1,806 |
| Net operating income to assets | 1.0051% | 2,445 |
| Return on assets (ROA) | 0.9953% | 2,583 |
| Pretax return on assets | 1.4377% | 1,872 |
| Return on Equity (ROE) | 10.2633% | 1,988 |
| Retained earnings to average equity (ytd only) | 6.8212% | 1,777 |
| Net charge-offs to loans | 0.1201% | 1,920 |
| Credit loss provision to net charge-offs | 142.4242% | 1,750 |
| Earnings coverage of net charge-offs (x) | 17.9242% | 2,030 |
| Efficiency ratio | 54.5873% | 5,469 |
| Assets per employee ($millions) | 6.7945% | 948 |
| Cash dividends to net income (ytd only)* | 33.5387% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 2,116 |
| Loan loss allowance to noncurrent loans | 205.3407% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.9101% | 2,591 |
| Noncurrent loans to loans | 0.7356% | 3,126 |
| Net loans and leases to total assets | 71.3380% | 2,165 |
| Net loans and leases to deposits | 87.3545% | 1,985 |
| Net loans and leases to core deposits | 118.6734% | 509 |
| Total domestic deposits to total assets | 81.6650% | 4,268 |
| Equity capital to assets | 9.7787% | 4,412 |
| Core capital (leverage) ratio | 9.3607% | 4,501 |
| Tier 1 risk-based capital ratio | 13.8187% | 3,957 |
| Total risk-based capital ratio | 15.0735% | 3,896 |
| Memoranda: | ||
| Average total assets | $500,046,500 | 1,350 |
| Average earning assets | $461,012,000 | 1,347 |
| Average equity | $48,495,000 | 1,545 |
| Average total loans | $366,296,500 | 1,245 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 2,333 |
| Cost of funding earning assets | 0.7455% | 665 |
| Net interest margin | 3.5103% | 3,458 |
| Noninterest income to average assets | 0.1880% | 5,564 |
| Noninterest expense to average assets | 1.9216% | 5,678 |
| Loan and lease loss provision to assets | 0.1357% | 1,613 |
| Net operating income to assets | 0.9494% | 2,635 |
| Return on assets (ROA) | 0.9443% | 2,780 |
| Pretax return on assets | 1.3569% | 2,157 |
| Return on Equity (ROE) | 9.7649% | 2,176 |
| Retained earnings to average equity (ytd only) | 6.2560% | 2,089 |
| Net charge-offs to loans | 0.1358% | 1,682 |
| Credit loss provision to net charge-offs | 135.8871% | 1,645 |
| Earnings coverage of net charge-offs (x) | 15.0242% | 2,008 |
| Efficiency ratio | 56.1647% | 5,413 |
| Assets per employee ($millions) | 6.6789% | 968 |
| Cash dividends to net income (ytd only)* | 35.9335% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 2,286 |
| Loan loss allowance to noncurrent loans | 172.2482% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 1.0042% | 2,515 |
| Noncurrent loans to loans | 0.8719% | 2,951 |
| Net loans and leases to total assets | 73.3016% | 1,770 |
| Net loans and leases to deposits | 92.5923% | 1,307 |
| Net loans and leases to core deposits | 126.1372% | 334 |
| Total domestic deposits to total assets | 79.1660% | 5,061 |
| Equity capital to assets | 9.8511% | 4,220 |
| Core capital (leverage) ratio | 9.3160% | 4,530 |
| Tier 1 risk-based capital ratio | 13.6233% | 4,149 |
| Total risk-based capital ratio | 14.8779% | 4,072 |
| Memoranda: | ||
| Average total assets | $496,866,000 | 1,363 |
| Average earning assets | $457,675,670 | 1,365 |
| Average equity | $48,049,670 | 1,563 |
| Average total loans | $365,360,330 | 1,256 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2714% | 2,189 |
| Cost of funding earning assets | 0.7565% | 631 |
| Net interest margin | 3.5149% | 3,374 |
| Noninterest income to average assets | 0.2874% | 4,870 |
| Noninterest expense to average assets | 1.9358% | 5,698 |
| Loan and lease loss provision to assets | 0.2337% | 737 |
| Net operating income to assets | 0.9246% | 2,633 |
| Return on assets (ROA) | 0.9258% | 2,748 |
| Pretax return on assets | 1.3280% | 2,161 |
| Return on Equity (ROE) | 9.6626% | 2,149 |
| Retained earnings to average equity (ytd only) | 6.1763% | 2,388 |
| Net charge-offs to loans | 0.0275% | 2,627 |
| Credit loss provision to net charge-offs | 1,164.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 77.7200% | 606 |
| Efficiency ratio | 55.3744% | 5,565 |
| Assets per employee ($millions) | 6.5938% | 1,023 |
| Cash dividends to net income (ytd only)* | 36.0798% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 2,198 |
| Loan loss allowance to noncurrent loans | 195.5746% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.8223% | 3,041 |
| Noncurrent loans to loans | 0.7966% | 3,253 |
| Net loans and leases to total assets | 71.8825% | 1,823 |
| Net loans and leases to deposits | 89.8669% | 1,408 |
| Net loans and leases to core deposits | 121.8833% | 371 |
| Total domestic deposits to total assets | 79.9877% | 5,054 |
| Equity capital to assets | 9.6104% | 4,624 |
| Core capital (leverage) ratio | 9.1668% | 4,766 |
| Tier 1 risk-based capital ratio | 13.4164% | 4,366 |
| Total risk-based capital ratio | 14.6718% | 4,282 |
| Memoranda: | ||
| Average total assets | $498,179,500 | 1,362 |
| Average earning assets | $454,744,000 | 1,380 |
| Average equity | $47,730,500 | 1,576 |
| Average total loans | $364,136,000 | 1,260 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3533% | 2,397 |
| Cost of funding earning assets | 0.7762% | 738 |
| Net interest margin | 3.5771% | 3,482 |
| Noninterest income to average assets | 0.3005% | 4,974 |
| Noninterest expense to average assets | 1.9738% | 5,814 |
| Loan and lease loss provision to assets | 0.3970% | 448 |
| Net operating income to assets | 0.8912% | 2,922 |
| Return on assets (ROA) | 0.8729% | 3,090 |
| Pretax return on assets | 1.2172% | 2,584 |
| Return on Equity (ROE) | 9.3811% | 2,398 |
| Retained earnings to average equity (ytd only) | 6.4039% | 1,707 |
| Net charge-offs to loans | 0.5636% | 721 |
| Credit loss provision to net charge-offs | 95.4389% | 2,527 |
| Earnings coverage of net charge-offs (x) | 3.9421% | 3,780 |
| Efficiency ratio | 54.6235% | 5,793 |
| Assets per employee ($millions) | 6.4315% | 1,093 |
| Cash dividends to net income (ytd only)* | 31.7364% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 2,474 |
| Loan loss allowance to noncurrent loans | 192.5257% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.8136% | 3,172 |
| Noncurrent loans to loans | 0.7791% | 3,361 |
| Net loans and leases to total assets | 72.0700% | 1,900 |
| Net loans and leases to deposits | 88.4001% | 1,691 |
| Net loans and leases to core deposits | 123.1701% | 337 |
| Total domestic deposits to total assets | 81.5271% | 4,582 |
| Equity capital to assets | 9.5512% | 4,656 |
| Core capital (leverage) ratio | 9.0129% | 4,980 |
| Tier 1 risk-based capital ratio | 13.6388% | 4,331 |
| Total risk-based capital ratio | 14.8939% | 4,265 |
| Memoranda: | ||
| Average total assets | $490,232,600 | 1,357 |
| Average earning assets | $454,024,000 | 1,352 |
| Average equity | $45,612,800 | 1,576 |
| Average total loans | $361,803,000 | 1,227 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3471% | 2,433 |
| Cost of funding earning assets | 0.7686% | 804 |
| Net interest margin | 3.5785% | 3,512 |
| Noninterest income to average assets | 0.2909% | 5,115 |
| Noninterest expense to average assets | 2.0052% | 5,768 |
| Loan and lease loss provision to assets | 0.3749% | 464 |
| Net operating income to assets | 0.8757% | 3,044 |
| Return on assets (ROA) | 0.8627% | 3,203 |
| Pretax return on assets | 1.2096% | 2,739 |
| Return on Equity (ROE) | 9.3350% | 2,531 |
| Retained earnings to average equity (ytd only) | 6.2784% | 2,235 |
| Net charge-offs to loans | 0.5460% | 699 |
| Credit loss provision to net charge-offs | 92.8427% | 2,382 |
| Earnings coverage of net charge-offs (x) | 3.9689% | 3,559 |
| Efficiency ratio | 55.5774% | 5,695 |
| Assets per employee ($millions) | 6.3731% | 1,098 |
| Cash dividends to net income (ytd only)* | 32.7434% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 2,612 |
| Loan loss allowance to noncurrent loans | 185.5578% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.9201% | 3,140 |
| Noncurrent loans to loans | 0.8198% | 3,525 |
| Net loans and leases to total assets | 71.5240% | 1,933 |
| Net loans and leases to deposits | 87.6741% | 1,714 |
| Net loans and leases to core deposits | 119.6574% | 402 |
| Total domestic deposits to total assets | 81.5794% | 4,636 |
| Equity capital to assets | 9.4756% | 4,824 |
| Core capital (leverage) ratio | 8.9866% | 5,089 |
| Tier 1 risk-based capital ratio | 13.4561% | 4,573 |
| Total risk-based capital ratio | 14.7112% | 4,509 |
| Memoranda: | ||
| Average total assets | $488,984,000 | 1,373 |
| Average earning assets | $453,254,500 | 1,365 |
| Average equity | $45,191,000 | 1,593 |
| Average total loans | $361,667,500 | 1,225 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3303% | 2,472 |
| Cost of funding earning assets | 0.7654% | 851 |
| Net interest margin | 3.5649% | 3,511 |
| Noninterest income to average assets | 0.2760% | 5,219 |
| Noninterest expense to average assets | 2.0381% | 5,752 |
| Loan and lease loss provision to assets | 0.3624% | 480 |
| Net operating income to assets | 0.8510% | 3,067 |
| Return on assets (ROA) | 0.8407% | 3,222 |
| Pretax return on assets | 1.1703% | 2,797 |
| Return on Equity (ROE) | 9.1745% | 2,517 |
| Retained earnings to average equity (ytd only) | 6.0329% | 2,303 |
| Net charge-offs to loans | 0.6015% | 667 |
| Credit loss provision to net charge-offs | 80.9698% | 2,317 |
| Earnings coverage of net charge-offs (x) | 3.4565% | 3,301 |
| Efficiency ratio | 56.8475% | 5,672 |
| Assets per employee ($millions) | 6.2229% | 1,158 |
| Cash dividends to net income (ytd only)* | 34.2426% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 2,899 |
| Loan loss allowance to noncurrent loans | 174.7700% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 1.0403% | 2,989 |
| Noncurrent loans to loans | 0.8580% | 3,556 |
| Net loans and leases to total assets | 72.9289% | 1,585 |
| Net loans and leases to deposits | 88.4153% | 1,545 |
| Net loans and leases to core deposits | 124.0574% | 302 |
| Total domestic deposits to total assets | 82.4844% | 4,477 |
| Equity capital to assets | 9.5455% | 4,692 |
| Core capital (leverage) ratio | 8.9254% | 5,125 |
| Tier 1 risk-based capital ratio | 13.2952% | 4,721 |
| Total risk-based capital ratio | 14.5503% | 4,656 |
| Memoranda: | ||
| Average total assets | $488,401,330 | 1,372 |
| Average earning assets | $453,361,000 | 1,356 |
| Average equity | $44,754,670 | 1,597 |
| Average total loans | $363,419,000 | 1,214 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3231% | 2,435 |
| Cost of funding earning assets | 0.7599% | 930 |
| Net interest margin | 3.5632% | 3,417 |
| Noninterest income to average assets | 0.2288% | 5,523 |
| Noninterest expense to average assets | 2.0040% | 5,877 |
| Loan and lease loss provision to assets | 0.4016% | 419 |
| Net operating income to assets | 0.8149% | 3,082 |
| Return on assets (ROA) | 0.7983% | 3,240 |
| Pretax return on assets | 1.0912% | 2,951 |
| Return on Equity (ROE) | 8.8924% | 2,513 |
| Retained earnings to average equity (ytd only) | 5.7837% | 2,654 |
| Net charge-offs to loans | 0.4046% | 896 |
| Credit loss provision to net charge-offs | 133.0645% | 1,361 |
| Earnings coverage of net charge-offs (x) | 5.0215% | 2,439 |
| Efficiency ratio | 56.9387% | 5,761 |
| Assets per employee ($millions) | 6.5247% | 1,009 |
| Cash dividends to net income (ytd only)* | 34.9593% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 2,971 |
| Loan loss allowance to noncurrent loans | 116.6598% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.2896% | 2,711 |
| Noncurrent loans to loans | 1.3201% | 2,824 |
| Net loans and leases to total assets | 72.8563% | 1,441 |
| Net loans and leases to deposits | 87.5987% | 1,405 |
| Net loans and leases to core deposits | 121.6349% | 293 |
| Total domestic deposits to total assets | 83.1705% | 4,543 |
| Equity capital to assets | 9.0334% | 5,082 |
| Core capital (leverage) ratio | 8.6974% | 5,387 |
| Tier 1 risk-based capital ratio | 12.5990% | 5,257 |
| Total risk-based capital ratio | 13.8545% | 5,192 |
| Memoranda: | ||
| Average total assets | $493,018,500 | 1,374 |
| Average earning assets | $455,318,000 | 1,359 |
| Average equity | $44,262,500 | 1,606 |
| Average total loans | $367,743,000 | 1,203 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4616% | 2,354 |
| Cost of funding earning assets | 0.8464% | 964 |
| Net interest margin | 3.6152% | 3,395 |
| Noninterest income to average assets | 0.3209% | 5,039 |
| Noninterest expense to average assets | 1.9671% | 6,079 |
| Loan and lease loss provision to assets | 0.7312% | 304 |
| Net operating income to assets | 0.7150% | 3,720 |
| Return on assets (ROA) | 0.7091% | 3,836 |
| Pretax return on assets | 0.9794% | 3,435 |
| Return on Equity (ROE) | 8.0973% | 2,987 |
| Retained earnings to average equity (ytd only) | 4.9567% | 2,619 |
| Net charge-offs to loans | 1.1161% | 498 |
| Credit loss provision to net charge-offs | 87.4423% | 2,833 |
| Earnings coverage of net charge-offs (x) | 2.0556% | 4,363 |
| Efficiency ratio | 53.3668% | 6,187 |
| Assets per employee ($millions) | 6.2841% | 1,094 |
| Cash dividends to net income (ytd only)* | 38.7854% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 3,194 |
| Loan loss allowance to noncurrent loans | 102.6555% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.6976% | 2,170 |
| Noncurrent loans to loans | 1.4611% | 2,701 |
| Net loans and leases to total assets | 74.0634% | 1,339 |
| Net loans and leases to deposits | 92.8178% | 976 |
| Net loans and leases to core deposits | 124.5495% | 258 |
| Total domestic deposits to total assets | 79.7944% | 5,495 |
| Equity capital to assets | 8.9216% | 5,128 |
| Core capital (leverage) ratio | 8.5394% | 5,620 |
| Tier 1 risk-based capital ratio | 12.1919% | 5,499 |
| Total risk-based capital ratio | 13.4466% | 5,428 |
| Memoranda: | ||
| Average total assets | $492,347,200 | 1,351 |
| Average earning assets | $458,292,200 | 1,324 |
| Average equity | $43,113,200 | 1,626 |
| Average total loans | $368,862,400 | 1,158 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4254% | 2,507 |
| Cost of funding earning assets | 0.8650% | 972 |
| Net interest margin | 3.5604% | 3,618 |
| Noninterest income to average assets | 0.3230% | 5,099 |
| Noninterest expense to average assets | 1.9025% | 6,181 |
| Loan and lease loss provision to assets | 0.7355% | 292 |
| Net operating income to assets | 0.7235% | 3,736 |
| Return on assets (ROA) | 0.7106% | 3,935 |
| Pretax return on assets | 0.9819% | 3,579 |
| Return on Equity (ROE) | 8.1533% | 3,048 |
| Retained earnings to average equity (ytd only) | 4.9410% | 3,124 |
| Net charge-offs to loans | 1.0903% | 519 |
| Credit loss provision to net charge-offs | 90.1226% | 2,634 |
| Earnings coverage of net charge-offs (x) | 2.1263% | 4,131 |
| Efficiency ratio | 52.2977% | 6,239 |
| Assets per employee ($millions) | 6.5203% | 926 |
| Cash dividends to net income (ytd only)* | 39.3987% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 3,263 |
| Loan loss allowance to noncurrent loans | 50.2228% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 2.6329% | 1,437 |
| Noncurrent loans to loans | 3.0721% | 1,297 |
| Net loans and leases to total assets | 74.0064% | 1,291 |
| Net loans and leases to deposits | 89.9610% | 1,169 |
| Net loans and leases to core deposits | 120.3286% | 315 |
| Total domestic deposits to total assets | 82.2650% | 4,844 |
| Equity capital to assets | 8.7165% | 5,501 |
| Core capital (leverage) ratio | 8.3593% | 5,902 |
| Tier 1 risk-based capital ratio | 11.9093% | 5,831 |
| Total risk-based capital ratio | 13.1645% | 5,773 |
| Memoranda: | ||
| Average total assets | $492,894,750 | 1,353 |
| Average earning assets | $458,889,750 | 1,330 |
| Average equity | $42,959,000 | 1,642 |
| Average total loans | $368,939,250 | 1,157 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4476% | 2,391 |
| Cost of funding earning assets | 0.8779% | 997 |
| Net interest margin | 3.5697% | 3,484 |
| Noninterest income to average assets | 0.3345% | 5,012 |
| Noninterest expense to average assets | 1.9048% | 6,213 |
| Loan and lease loss provision to assets | 0.7622% | 288 |
| Net operating income to assets | 0.7172% | 3,731 |
| Return on assets (ROA) | 0.7061% | 3,946 |
| Pretax return on assets | 0.9744% | 3,620 |
| Return on Equity (ROE) | 8.1016% | 3,042 |
| Retained earnings to average equity (ytd only) | 4.8320% | 3,160 |
| Net charge-offs to loans | 0.9686% | 635 |
| Credit loss provision to net charge-offs | 105.2779% | 2,101 |
| Earnings coverage of net charge-offs (x) | 2.4200% | 3,715 |
| Efficiency ratio | 52.0898% | 6,274 |
| Assets per employee ($millions) | 6.2973% | 1,015 |
| Cash dividends to net income (ytd only)* | 40.3569% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6851% | 2,832 |
| Loan loss allowance to noncurrent loans | 48.2322% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 2.9231% | 1,396 |
| Noncurrent loans to loans | 3.4936% | 1,221 |
| Net loans and leases to total assets | 73.8683% | 1,270 |
| Net loans and leases to deposits | 90.0620% | 1,138 |
| Net loans and leases to core deposits | 124.8179% | 242 |
| Total domestic deposits to total assets | 82.0194% | 5,055 |
| Equity capital to assets | 8.7727% | 5,474 |
| Core capital (leverage) ratio | 8.1820% | 6,026 |
| Tier 1 risk-based capital ratio | 11.8864% | 5,858 |
| Total risk-based capital ratio | 13.1432% | 5,809 |
| Memoranda: | ||
| Average total assets | $492,011,330 | 1,358 |
| Average earning assets | $457,905,000 | 1,327 |
| Average equity | $42,880,670 | 1,650 |
| Average total loans | $367,758,330 | 1,152 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 2,377 |
| Cost of funding earning assets | 0.8758% | 1,111 |
| Net interest margin | 3.5676% | 3,395 |
| Noninterest income to average assets | 0.3519% | 4,862 |
| Noninterest expense to average assets | 1.8895% | 6,289 |
| Loan and lease loss provision to assets | 0.7878% | 277 |
| Net operating income to assets | 0.7163% | 3,615 |
| Return on assets (ROA) | 0.7046% | 3,802 |
| Pretax return on assets | 0.9726% | 3,474 |
| Return on Equity (ROE) | 8.1111% | 2,917 |
| Retained earnings to average equity (ytd only) | 4.8778% | 3,309 |
| Net charge-offs to loans | 0.9754% | 627 |
| Credit loss provision to net charge-offs | 108.3241% | 1,716 |
| Earnings coverage of net charge-offs (x) | 2.4428% | 3,031 |
| Efficiency ratio | 51.5412% | 6,407 |
| Assets per employee ($millions) | 6.2999% | 1,073 |
| Cash dividends to net income (ytd only)* | 39.8625% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 3,214 |
| Loan loss allowance to noncurrent loans | 48.4139% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 2.7768% | 1,633 |
| Noncurrent loans to loans | 3.4002% | 1,417 |
| Net loans and leases to total assets | 73.4693% | 1,148 |
| Net loans and leases to deposits | 88.4326% | 1,104 |
| Net loans and leases to core deposits | 121.6307% | 263 |
| Total domestic deposits to total assets | 83.0795% | 4,827 |
| Equity capital to assets | 8.6913% | 5,821 |
| Core capital (leverage) ratio | 8.1373% | 6,005 |
| Tier 1 risk-based capital ratio | 11.5129% | 6,183 |
| Total risk-based capital ratio | 12.7693% | 6,146 |
| Memoranda: | ||
| Average total assets | $495,572,000 | 1,363 |
| Average earning assets | $460,366,500 | 1,331 |
| Average equity | $43,052,000 | 1,655 |
| Average total loans | $369,478,000 | 1,155 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5489% | 3,214 |
| Cost of funding earning assets | 1.0154% | 1,272 |
| Net interest margin | 3.5334% | 4,360 |
| Noninterest income to average assets | 0.3109% | 5,227 |
| Noninterest expense to average assets | 1.8772% | 6,522 |
| Loan and lease loss provision to assets | 0.7819% | 627 |
| Net operating income to assets | 0.7093% | 3,699 |
| Return on assets (ROA) | 0.6866% | 4,060 |
| Pretax return on assets | 0.9387% | 3,784 |
| Return on Equity (ROE) | 8.1191% | 3,032 |
| Retained earnings to average equity (ytd only) | 4.8269% | 2,826 |
| Net charge-offs to loans | 1.0243% | 1,055 |
| Credit loss provision to net charge-offs | 105.1828% | 2,834 |
| Earnings coverage of net charge-offs (x) | 2.3562% | 4,234 |
| Efficiency ratio | 51.7295% | 6,480 |
| Assets per employee ($millions) | 6.3263% | 1,084 |
| Cash dividends to net income (ytd only)* | 40.5493% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6463% | 3,128 |
| Loan loss allowance to noncurrent loans | 46.9041% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 2.9620% | 1,604 |
| Noncurrent loans to loans | 3.5099% | 1,417 |
| Net loans and leases to total assets | 73.1864% | 1,307 |
| Net loans and leases to deposits | 87.2766% | 1,353 |
| Net loans and leases to core deposits | 121.2314% | 266 |
| Total domestic deposits to total assets | 83.8558% | 4,382 |
| Equity capital to assets | 8.6833% | 5,862 |
| Core capital (leverage) ratio | 7.9396% | 6,250 |
| Tier 1 risk-based capital ratio | 11.3567% | 6,185 |
| Total risk-based capital ratio | 12.6128% | 6,156 |
| Memoranda: | ||
| Average total assets | $493,129,000 | 1,350 |
| Average earning assets | $463,061,400 | 1,315 |
| Average equity | $41,704,200 | 1,674 |
| Average total loans | $357,898,000 | 1,167 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5642% | 3,364 |
| Cost of funding earning assets | 1.0419% | 1,325 |
| Net interest margin | 3.5223% | 4,556 |
| Noninterest income to average assets | 0.3199% | 5,228 |
| Noninterest expense to average assets | 1.8773% | 6,563 |
| Loan and lease loss provision to assets | 0.7604% | 641 |
| Net operating income to assets | 0.7148% | 3,851 |
| Return on assets (ROA) | 0.6850% | 4,240 |
| Pretax return on assets | 0.9511% | 3,914 |
| Return on Equity (ROE) | 8.1540% | 3,208 |
| Retained earnings to average equity (ytd only) | 4.7707% | 3,544 |
| Net charge-offs to loans | 0.8512% | 1,294 |
| Credit loss provision to net charge-offs | 123.8767% | 2,332 |
| Earnings coverage of net charge-offs (x) | 2.8555% | 3,898 |
| Efficiency ratio | 51.7133% | 6,475 |
| Assets per employee ($millions) | 6.2702% | 1,085 |
| Cash dividends to net income (ytd only)* | 41.4923% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7729% | 2,886 |
| Loan loss allowance to noncurrent loans | 60.3377% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 2.5141% | 2,107 |
| Noncurrent loans to loans | 2.9383% | 1,900 |
| Net loans and leases to total assets | 72.4670% | 1,473 |
| Net loans and leases to deposits | 87.0468% | 1,475 |
| Net loans and leases to core deposits | 120.1063% | 308 |
| Total domestic deposits to total assets | 83.2506% | 4,540 |
| Equity capital to assets | 8.6790% | 6,121 |
| Core capital (leverage) ratio | 7.9478% | 6,367 |
| Tier 1 risk-based capital ratio | 11.3632% | 6,320 |
| Total risk-based capital ratio | 12.6208% | 6,275 |
| Memoranda: | ||
| Average total assets | $493,048,250 | 1,365 |
| Average earning assets | $463,361,250 | 1,335 |
| Average equity | $41,418,250 | 1,695 |
| Average total loans | $355,576,250 | 1,176 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5709% | 3,477 |
| Cost of funding earning assets | 1.0748% | 1,335 |
| Net interest margin | 3.4961% | 4,682 |
| Noninterest income to average assets | 0.3062% | 5,363 |
| Noninterest expense to average assets | 1.8791% | 6,641 |
| Loan and lease loss provision to assets | 0.7144% | 753 |
| Net operating income to assets | 0.7108% | 3,810 |
| Return on assets (ROA) | 0.6784% | 4,249 |
| Pretax return on assets | 0.9406% | 3,923 |
| Return on Equity (ROE) | 8.1655% | 3,184 |
| Retained earnings to average equity (ytd only) | 4.7571% | 3,442 |
| Net charge-offs to loans | 0.8185% | 1,345 |
| Credit loss provision to net charge-offs | 121.9613% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.9019% | 3,582 |
| Efficiency ratio | 52.5037% | 6,459 |
| Assets per employee ($millions) | 6.4330% | 996 |
| Cash dividends to net income (ytd only)* | 41.7412% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7408% | 3,068 |
| Loan loss allowance to noncurrent loans | 59.1567% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 2.4831% | 2,249 |
| Noncurrent loans to loans | 2.9427% | 2,027 |
| Net loans and leases to total assets | 70.3422% | 1,863 |
| Net loans and leases to deposits | 87.6213% | 1,402 |
| Net loans and leases to core deposits | 119.1672% | 331 |
| Total domestic deposits to total assets | 80.2798% | 5,670 |
| Equity capital to assets | 8.4288% | 6,279 |
| Core capital (leverage) ratio | 7.7825% | 6,463 |
| Tier 1 risk-based capital ratio | 11.3628% | 6,303 |
| Total risk-based capital ratio | 12.6201% | 6,275 |
| Memoranda: | ||
| Average total assets | $494,372,670 | 1,366 |
| Average earning assets | $462,798,330 | 1,335 |
| Average equity | $41,075,330 | 1,703 |
| Average total loans | $353,830,000 | 1,180 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5960% | 3,521 |
| Cost of funding earning assets | 1.1042% | 1,385 |
| Net interest margin | 3.4917% | 4,752 |
| Noninterest income to average assets | 0.2851% | 5,593 |
| Noninterest expense to average assets | 1.8644% | 6,709 |
| Loan and lease loss provision to assets | 0.7160% | 721 |
| Net operating income to assets | 0.7149% | 3,806 |
| Return on assets (ROA) | 0.6811% | 4,187 |
| Pretax return on assets | 0.9435% | 3,891 |
| Return on Equity (ROE) | 8.2577% | 3,166 |
| Retained earnings to average equity (ytd only) | 4.7818% | 3,685 |
| Net charge-offs to loans | 0.7911% | 1,297 |
| Credit loss provision to net charge-offs | 126.4664% | 1,899 |
| Earnings coverage of net charge-offs (x) | 3.0143% | 2,986 |
| Efficiency ratio | 52.2114% | 6,526 |
| Assets per employee ($millions) | 6.4701% | 998 |
| Cash dividends to net income (ytd only)* | 42.0927% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 3,231 |
| Loan loss allowance to noncurrent loans | 57.4144% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 2.5374% | 2,329 |
| Noncurrent loans to loans | 3.0133% | 2,144 |
| Net loans and leases to total assets | 69.7701% | 1,795 |
| Net loans and leases to deposits | 83.9373% | 1,669 |
| Net loans and leases to core deposits | 112.0398% | 469 |
| Total domestic deposits to total assets | 83.1217% | 4,876 |
| Equity capital to assets | 8.3297% | 6,245 |
| Core capital (leverage) ratio | 7.6555% | 6,529 |
| Tier 1 risk-based capital ratio | 11.3841% | 6,344 |
| Total risk-based capital ratio | 12.6411% | 6,319 |
| Memoranda: | ||
| Average total assets | $493,889,000 | 1,369 |
| Average earning assets | $464,756,500 | 1,340 |
| Average equity | $40,737,500 | 1,708 |
| Average total loans | $353,442,000 | 1,189 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8119% | 3,755 |
| Cost of funding earning assets | 1.2592% | 1,687 |
| Net interest margin | 3.5527% | 4,923 |
| Noninterest income to average assets | 0.2462% | 5,769 |
| Noninterest expense to average assets | 1.9602% | 6,747 |
| Loan and lease loss provision to assets | 0.7253% | 1,403 |
| Net operating income to assets | 0.6301% | 3,829 |
| Return on assets (ROA) | 0.6562% | 3,904 |
| Pretax return on assets | 0.9124% | 3,568 |
| Return on Equity (ROE) | 8.1778% | 2,817 |
| Retained earnings to average equity (ytd only) | 4.7161% | 2,844 |
| Net charge-offs to loans | 0.7576% | 2,263 |
| Credit loss provision to net charge-offs | 131.2845% | 2,325 |
| Earnings coverage of net charge-offs (x) | 2.8988% | 3,757 |
| Efficiency ratio | 55.0354% | 6,417 |
| Assets per employee ($millions) | 6.4422% | 987 |
| Cash dividends to net income (ytd only)* | 42.3303% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6365% | 3,434 |
| Loan loss allowance to noncurrent loans | 69.1835% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 2.1090% | 2,838 |
| Noncurrent loans to loans | 2.3655% | 2,769 |
| Net loans and leases to total assets | 70.9424% | 1,832 |
| Net loans and leases to deposits | 87.5734% | 1,441 |
| Net loans and leases to core deposits | 116.3038% | 440 |
| Total domestic deposits to total assets | 81.0091% | 5,443 |
| Equity capital to assets | 8.1677% | 6,466 |
| Core capital (leverage) ratio | 7.3556% | 6,720 |
| Tier 1 risk-based capital ratio | 10.9434% | 6,481 |
| Total risk-based capital ratio | 12.1991% | 6,459 |
| Memoranda: | ||
| Average total assets | $491,788,400 | 1,360 |
| Average earning assets | $458,945,400 | 1,332 |
| Average equity | $39,460,600 | 1,713 |
| Average total loans | $358,630,000 | 1,180 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8290% | 3,890 |
| Cost of funding earning assets | 1.2799% | 1,818 |
| Net interest margin | 3.5492% | 4,985 |
| Noninterest income to average assets | 0.2750% | 5,651 |
| Noninterest expense to average assets | 2.0003% | 6,688 |
| Loan and lease loss provision to assets | 0.6611% | 1,468 |
| Net operating income to assets | 0.6545% | 3,850 |
| Return on assets (ROA) | 0.6958% | 3,816 |
| Pretax return on assets | 0.9757% | 3,494 |
| Return on Equity (ROE) | 8.7114% | 2,740 |
| Retained earnings to average equity (ytd only) | 5.1942% | 3,065 |
| Net charge-offs to loans | 0.5789% | 2,517 |
| Credit loss provision to net charge-offs | 156.1617% | 1,990 |
| Earnings coverage of net charge-offs (x) | 3.7291% | 3,321 |
| Efficiency ratio | 55.8913% | 6,293 |
| Assets per employee ($millions) | 6.3831% | 998 |
| Cash dividends to net income (ytd only)* | 40.3748% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6283% | 3,536 |
| Loan loss allowance to noncurrent loans | 98.0490% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 1.5947% | 3,697 |
| Noncurrent loans to loans | 1.6607% | 3,807 |
| Net loans and leases to total assets | 71.3498% | 1,838 |
| Net loans and leases to deposits | 88.1329% | 1,422 |
| Net loans and leases to core deposits | 116.6707% | 479 |
| Total domestic deposits to total assets | 80.9570% | 5,449 |
| Equity capital to assets | 8.0758% | 6,649 |
| Core capital (leverage) ratio | 7.5763% | 6,718 |
| Tier 1 risk-based capital ratio | 10.7710% | 6,681 |
| Total risk-based capital ratio | 12.0268% | 6,656 |
| Memoranda: | ||
| Average total assets | $490,722,250 | 1,365 |
| Average earning assets | $456,810,000 | 1,339 |
| Average equity | $39,196,750 | 1,729 |
| Average total loans | $358,845,750 | 1,192 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8636% | 3,789 |
| Cost of funding earning assets | 1.3210% | 1,817 |
| Net interest margin | 3.5426% | 4,954 |
| Noninterest income to average assets | 0.2683% | 5,728 |
| Noninterest expense to average assets | 2.0379% | 6,716 |
| Loan and lease loss provision to assets | 0.4333% | 2,260 |
| Net operating income to assets | 0.7593% | 3,249 |
| Return on assets (ROA) | 0.7524% | 3,403 |
| Pretax return on assets | 1.0657% | 2,983 |
| Return on Equity (ROE) | 9.4545% | 2,322 |
| Retained earnings to average equity (ytd only) | 5.8673% | 2,506 |
| Net charge-offs to loans | 0.2977% | 3,382 |
| Credit loss provision to net charge-offs | 198.4991% | 1,527 |
| Earnings coverage of net charge-offs (x) | 6.9118% | 2,313 |
| Efficiency ratio | 57.4596% | 6,234 |
| Assets per employee ($millions) | 6.1510% | 1,098 |
| Cash dividends to net income (ytd only)* | 37.9423% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 4,035 |
| Loan loss allowance to noncurrent loans | 86.7723% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.7505% | 3,572 |
| Noncurrent loans to loans | 1.7517% | 3,821 |
| Net loans and leases to total assets | 73.7335% | 1,468 |
| Net loans and leases to deposits | 90.8880% | 1,171 |
| Net loans and leases to core deposits | 123.3723% | 354 |
| Total domestic deposits to total assets | 81.1257% | 5,484 |
| Equity capital to assets | 8.1970% | 6,516 |
| Core capital (leverage) ratio | 7.6051% | 6,666 |
| Tier 1 risk-based capital ratio | 10.6395% | 6,739 |
| Total risk-based capital ratio | 11.8940% | 6,728 |
| Memoranda: | ||
| Average total assets | $488,335,000 | 1,377 |
| Average earning assets | $451,931,670 | 1,355 |
| Average equity | $38,859,670 | 1,724 |
| Average total loans | $358,088,000 | 1,213 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8909% | 3,638 |
| Cost of funding earning assets | 1.3476% | 1,899 |
| Net interest margin | 3.5433% | 4,836 |
| Noninterest income to average assets | 0.2754% | 5,701 |
| Noninterest expense to average assets | 2.0640% | 6,708 |
| Loan and lease loss provision to assets | 0.2688% | 2,991 |
| Net operating income to assets | 0.8303% | 2,881 |
| Return on assets (ROA) | 0.8171% | 3,000 |
| Pretax return on assets | 1.1701% | 2,480 |
| Return on Equity (ROE) | 10.4239% | 1,947 |
| Retained earnings to average equity (ytd only) | 6.8276% | 2,227 |
| Net charge-offs to loans | 0.1171% | 3,832 |
| Credit loss provision to net charge-offs | 316.3462% | 1,024 |
| Earnings coverage of net charge-offs (x) | 17.1538% | 1,231 |
| Efficiency ratio | 58.6079% | 6,191 |
| Assets per employee ($millions) | 6.1821% | 1,084 |
| Cash dividends to net income (ytd only)* | 34.5000% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 4,306 |
| Loan loss allowance to noncurrent loans | 111.7044% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 1.3844% | 4,214 |
| Noncurrent loans to loans | 1.3243% | 4,488 |
| Net loans and leases to total assets | 71.3175% | 1,854 |
| Net loans and leases to deposits | 85.5582% | 1,795 |
| Net loans and leases to core deposits | 116.9096% | 503 |
| Total domestic deposits to total assets | 83.3555% | 4,768 |
| Equity capital to assets | 7.9439% | 6,550 |
| Core capital (leverage) ratio | 7.5299% | 6,709 |
| Tier 1 risk-based capital ratio | 10.6933% | 6,692 |
| Total risk-based capital ratio | 11.9471% | 6,681 |
| Memoranda: | ||
| Average total assets | $489,537,000 | 1,379 |
| Average earning assets | $448,508,500 | 1,380 |
| Average equity | $38,373,500 | 1,736 |
| Average total loans | $355,220,000 | 1,233 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1825% | 3,689 |
| Cost of funding earning assets | 1.5312% | 2,474 |
| Net interest margin | 3.6512% | 4,567 |
| Noninterest income to average assets | 0.2834% | 5,749 |
| Noninterest expense to average assets | 1.9685% | 7,073 |
| Loan and lease loss provision to assets | 1.0416% | 1,548 |
| Net operating income to assets | 0.4675% | 4,236 |
| Return on assets (ROA) | 0.5646% | 3,984 |
| Pretax return on assets | 0.7671% | 3,737 |
| Return on Equity (ROE) | 7.3294% | 2,963 |
| Retained earnings to average equity (ytd only) | 4.3167% | 2,820 |
| Net charge-offs to loans | 1.3522% | 1,653 |
| Credit loss provision to net charge-offs | 104.4971% | 4,296 |
| Earnings coverage of net charge-offs (x) | 1.6830% | 4,473 |
| Efficiency ratio | 53.9902% | 6,808 |
| Assets per employee ($millions) | 6.1336% | 1,123 |
| Cash dividends to net income (ytd only)* | 41.1043% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 4,494 |
| Loan loss allowance to noncurrent loans | 112.3457% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 1.3365% | 4,351 |
| Noncurrent loans to loans | 1.2482% | 4,632 |
| Net loans and leases to total assets | 71.7157% | 2,163 |
| Net loans and leases to deposits | 88.2683% | 1,752 |
| Net loans and leases to core deposits | 118.3175% | 579 |
| Total domestic deposits to total assets | 81.2474% | 5,437 |
| Equity capital to assets | 7.7340% | 6,726 |
| Core capital (leverage) ratio | 7.1924% | 6,913 |
| Tier 1 risk-based capital ratio | 10.3702% | 6,781 |
| Total risk-based capital ratio | 11.6228% | 6,762 |
| Memoranda: | ||
| Average total assets | $490,783,200 | 1,367 |
| Average earning assets | $451,986,200 | 1,349 |
| Average equity | $37,806,800 | 1,742 |
| Average total loans | $361,778,400 | 1,244 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2200% | 3,740 |
| Cost of funding earning assets | 1.5633% | 2,591 |
| Net interest margin | 3.6567% | 4,604 |
| Noninterest income to average assets | 0.2795% | 5,870 |
| Noninterest expense to average assets | 2.0026% | 7,044 |
| Loan and lease loss provision to assets | 0.9538% | 1,564 |
| Net operating income to assets | 0.4813% | 4,397 |
| Return on assets (ROA) | 0.6066% | 4,015 |
| Pretax return on assets | 0.8641% | 3,687 |
| Return on Equity (ROE) | 7.8824% | 2,962 |
| Retained earnings to average equity (ytd only) | 4.4936% | 3,355 |
| Net charge-offs to loans | 1.2253% | 1,668 |
| Credit loss provision to net charge-offs | 105.2458% | 4,073 |
| Earnings coverage of net charge-offs (x) | 1.8085% | 4,354 |
| Efficiency ratio | 54.9944% | 6,686 |
| Assets per employee ($millions) | 6.2585% | 1,092 |
| Cash dividends to net income (ytd only)* | 42.9915% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 4,576 |
| Loan loss allowance to noncurrent loans | 82.3510% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.6747% | 3,937 |
| Noncurrent loans to loans | 1.6754% | 4,131 |
| Net loans and leases to total assets | 71.7065% | 2,316 |
| Net loans and leases to deposits | 86.4513% | 2,245 |
| Net loans and leases to core deposits | 118.2979% | 673 |
| Total domestic deposits to total assets | 82.9444% | 4,615 |
| Equity capital to assets | 7.7421% | 6,975 |
| Core capital (leverage) ratio | 7.1541% | 7,085 |
| Tier 1 risk-based capital ratio | 10.2722% | 6,918 |
| Total risk-based capital ratio | 11.5248% | 6,904 |
| Memoranda: | ||
| Average total assets | $490,806,750 | 1,382 |
| Average earning assets | $451,250,000 | 1,374 |
| Average equity | $37,771,000 | 1,761 |
| Average total loans | $362,996,500 | 1,253 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2450% | 3,738 |
| Cost of funding earning assets | 1.5970% | 2,675 |
| Net interest margin | 3.6480% | 4,590 |
| Noninterest income to average assets | 0.3015% | 5,744 |
| Noninterest expense to average assets | 1.9881% | 7,132 |
| Loan and lease loss provision to assets | 0.7169% | 2,031 |
| Net operating income to assets | 0.6706% | 3,526 |
| Return on assets (ROA) | 0.6667% | 3,694 |
| Pretax return on assets | 0.9620% | 3,269 |
| Return on Equity (ROE) | 8.6805% | 2,591 |
| Retained earnings to average equity (ytd only) | 5.3881% | 2,681 |
| Net charge-offs to loans | 0.9639% | 1,916 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 2.3499% | 3,823 |
| Efficiency ratio | 54.1319% | 6,871 |
| Assets per employee ($millions) | 6.3987% | 1,005 |
| Cash dividends to net income (ytd only)* | 37.9289% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 4,817 |
| Loan loss allowance to noncurrent loans | 65.9909% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.9606% | 3,541 |
| Noncurrent loans to loans | 1.9963% | 3,719 |
| Net loans and leases to total assets | 72.7481% | 2,221 |
| Net loans and leases to deposits | 88.7550% | 2,043 |
| Net loans and leases to core deposits | 120.1906% | 688 |
| Total domestic deposits to total assets | 81.9651% | 4,998 |
| Equity capital to assets | 7.7859% | 6,941 |
| Core capital (leverage) ratio | 7.1315% | 7,108 |
| Tier 1 risk-based capital ratio | 9.9905% | 7,031 |
| Total risk-based capital ratio | 11.2420% | 7,009 |
| Memoranda: | ||
| Average total assets | $489,601,000 | 1,395 |
| Average earning assets | $452,467,000 | 1,375 |
| Average equity | $37,601,670 | 1,769 |
| Average total loans | $364,164,000 | 1,259 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2805% | 3,643 |
| Cost of funding earning assets | 1.6180% | 2,851 |
| Net interest margin | 3.6625% | 4,427 |
| Noninterest income to average assets | 0.3024% | 5,734 |
| Noninterest expense to average assets | 1.9736% | 7,208 |
| Loan and lease loss provision to assets | 0.5762% | 2,187 |
| Net operating income to assets | 0.7706% | 3,102 |
| Return on assets (ROA) | 0.7606% | 3,263 |
| Pretax return on assets | 1.1163% | 2,680 |
| Return on Equity (ROE) | 9.9726% | 2,114 |
| Retained earnings to average equity (ytd only) | 6.2436% | 2,496 |
| Net charge-offs to loans | 0.1953% | 3,742 |
| Credit loss provision to net charge-offs | 394.9438% | 1,035 |
| Earnings coverage of net charge-offs (x) | 11.7022% | 1,629 |
| Efficiency ratio | 53.6183% | 7,011 |
| Assets per employee ($millions) | 6.3363% | 1,072 |
| Cash dividends to net income (ytd only)* | 37.3922% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 4,131 |
| Loan loss allowance to noncurrent loans | 214.8058% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.9389% | 5,267 |
| Noncurrent loans to loans | 0.6796% | 5,975 |
| Net loans and leases to total assets | 73.4630% | 2,092 |
| Net loans and leases to deposits | 89.2874% | 2,018 |
| Net loans and leases to core deposits | 118.9317% | 827 |
| Total domestic deposits to total assets | 82.2771% | 4,942 |
| Equity capital to assets | 7.7115% | 6,922 |
| Core capital (leverage) ratio | 7.1369% | 7,150 |
| Tier 1 risk-based capital ratio | 9.8803% | 7,106 |
| Total risk-based capital ratio | 11.1339% | 7,098 |
| Memoranda: | ||
| Average total assets | $488,051,500 | 1,437 |
| Average earning assets | $450,186,000 | 1,406 |
| Average equity | $37,222,000 | 1,806 |
| Average total loans | $364,638,500 | 1,294 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2018% | 5,643 |
| Cost of funding earning assets | 2.0714% | 2,620 |
| Net interest margin | 3.1304% | 6,278 |
| Noninterest income to average assets | 0.1348% | 7,082 |
| Noninterest expense to average assets | 1.9592% | 7,428 |
| Loan and lease loss provision to assets | 0.7538% | 2,851 |
| Net operating income to assets | 0.3326% | 4,402 |
| Return on assets (ROA) | 0.2186% | 4,899 |
| Pretax return on assets | 0.2395% | 4,915 |
| Return on Equity (ROE) | 2.9968% | 4,500 |
| Retained earnings to average equity (ytd only) | -0.6971% | 5,171 |
| Net charge-offs to loans | 0.5181% | 3,705 |
| Credit loss provision to net charge-offs | 206.2031% | 1,863 |
| Earnings coverage of net charge-offs (x) | 3.0600% | 3,538 |
| Efficiency ratio | 63.6548% | 5,842 |
| Assets per employee ($millions) | 6.3404% | 1,055 |
| Cash dividends to net income (ytd only)* | 123.2611% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 4,701 |
| Loan loss allowance to noncurrent loans | 196.4286% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.9637% | 5,181 |
| Noncurrent loans to loans | 0.6664% | 5,909 |
| Net loans and leases to total assets | 73.8946% | 2,299 |
| Net loans and leases to deposits | 92.6285% | 1,796 |
| Net loans and leases to core deposits | 132.0917% | 1,165 |
| Total domestic deposits to total assets | 79.7753% | 5,742 |
| Equity capital to assets | 7.5418% | 6,996 |
| Core capital (leverage) ratio | 6.9005% | 7,314 |
| Tier 1 risk-based capital ratio | 9.5433% | 7,200 |
| Total risk-based capital ratio | 10.7945% | 7,178 |
| Memoranda: | ||
| Average total assets | $401,279,400 | 1,714 |
| Average earning assets | $377,273,000 | 1,670 |
| Average equity | $29,265,000 | 2,279 |
| Average total loans | $283,156,000 | 1,701 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 6,688 |
| Cost of funding earning assets | 2.1228% | 2,786 |
| Net interest margin | 2.8495% | 6,967 |
| Noninterest income to average assets | 0.3032% | 6,057 |
| Noninterest expense to average assets | 1.7786% | 7,680 |
| Loan and lease loss provision to assets | 0.4929% | 3,439 |
| Net operating income to assets | 0.5283% | 3,867 |
| Return on assets (ROA) | 0.4170% | 4,428 |
| Pretax return on assets | 0.5758% | 4,277 |
| Return on Equity (ROE) | 5.7810% | 3,614 |
| Retained earnings to average equity (ytd only) | 2.0601% | 4,174 |
| Net charge-offs to loans | 0.4520% | 3,423 |
| Credit loss provision to net charge-offs | 157.6404% | 3,024 |
| Earnings coverage of net charge-offs (x) | 3.9123% | 3,337 |
| Efficiency ratio | 59.2510% | 6,524 |
| Assets per employee ($millions) | 6.5702% | 955 |
| Cash dividends to net income (ytd only)* | 64.3637% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 6,011 |
| Loan loss allowance to noncurrent loans | 200.2141% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.9836% | 5,094 |
| Noncurrent loans to loans | 0.5241% | 6,260 |
| Net loans and leases to total assets | 71.5678% | 3,141 |
| Net loans and leases to deposits | 90.3282% | 2,513 |
| Net loans and leases to core deposits | 126.8546% | 1,666 |
| Total domestic deposits to total assets | 79.2309% | 5,721 |
| Equity capital to assets | 7.7506% | 7,097 |
| Core capital (leverage) ratio | 10.0447% | 3,236 |
| Tier 1 risk-based capital ratio | 10.2253% | 6,756 |
| Total risk-based capital ratio | 11.3049% | 6,874 |
| Memoranda: | ||
| Average total assets | $379,546,750 | 1,814 |
| Average earning assets | $359,447,750 | 1,755 |
| Average equity | $27,376,250 | 2,447 |
| Average total loans | $262,558,500 | 1,834 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4396% | 4,945 |
| Cost of funding earning assets | 2.3578% | 2,134 |
| Net interest margin | 3.0818% | 6,304 |
| Noninterest income to average assets | 0.3277% | 5,892 |
| Noninterest expense to average assets | 1.9783% | 7,498 |
| Loan and lease loss provision to assets | 0.3171% | 4,044 |
| Net operating income to assets | 0.6859% | 3,315 |
| Return on assets (ROA) | 0.4997% | 4,215 |
| Pretax return on assets | 0.6951% | 4,015 |
| Return on Equity (ROE) | 7.1852% | 3,118 |
| Retained earnings to average equity (ytd only) | 3.0121% | 3,641 |
| Net charge-offs to loans | 0.0121% | 6,387 |
| Credit loss provision to net charge-offs | 3,871.4286% | 129 |
| Earnings coverage of net charge-offs (x) | 155.1429% | 263 |
| Efficiency ratio | 60.8860% | 6,415 |
| Assets per employee ($millions) | 6.2452% | 1,078 |
| Cash dividends to net income (ytd only)* | 58.0796% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5572% | 2,924 |
| Loan loss allowance to noncurrent loans | 164.4046% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 1.3837% | 4,193 |
| Noncurrent loans to loans | 0.9472% | 5,332 |
| Net loans and leases to total assets | 69.1090% | 3,918 |
| Net loans and leases to deposits | 87.6514% | 3,230 |
| Net loans and leases to core deposits | 124.9617% | 1,947 |
| Total domestic deposits to total assets | 78.8453% | 5,852 |
| Equity capital to assets | 6.9624% | 7,632 |
| Core capital (leverage) ratio | 6.9774% | 7,555 |
| Tier 1 risk-based capital ratio | 10.2100% | 6,700 |
| Total risk-based capital ratio | 11.4647% | 6,626 |
| Memoranda: | ||
| Average total assets | $341,807,330 | 2,027 |
| Average earning assets | $324,031,670 | 1,958 |
| Average equity | $23,771,000 | 2,782 |
| Average total loans | $231,277,670 | 2,072 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4661% | 5,086 |
| Cost of funding earning assets | 2.4037% | 2,277 |
| Net interest margin | 3.0624% | 6,300 |
| Noninterest income to average assets | 0.2898% | 6,118 |
| Noninterest expense to average assets | 1.9157% | 7,518 |
| Loan and lease loss provision to assets | 0.3132% | 3,465 |
| Net operating income to assets | 0.7551% | 3,329 |
| Return on assets (ROA) | 0.3379% | 5,311 |
| Pretax return on assets | 0.4329% | 5,301 |
| Return on Equity (ROE) | 4.8610% | 4,524 |
| Retained earnings to average equity (ytd only) | 0.5739% | 5,429 |
| Net charge-offs to loans | 0.0035% | 5,675 |
| Credit loss provision to net charge-offs | 13,350.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 546.0000% | 47 |
| Efficiency ratio | 59.9266% | 6,418 |
| Assets per employee ($millions) | 6.3589% | 1,023 |
| Cash dividends to net income (ytd only)* | 88.1944% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 2,825 |
| Loan loss allowance to noncurrent loans | 275.1773% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8038% | 5,164 |
| Noncurrent loans to loans | 0.5553% | 6,026 |
| Net loans and leases to total assets | 65.5349% | 4,692 |
| Net loans and leases to deposits | 82.4505% | 4,213 |
| Net loans and leases to core deposits | 119.4436% | 2,466 |
| Total domestic deposits to total assets | 79.4839% | 5,548 |
| Equity capital to assets | 6.8860% | 7,728 |
| Core capital (leverage) ratio | 6.9220% | 7,681 |
| Tier 1 risk-based capital ratio | 10.3862% | 6,511 |
| Total risk-based capital ratio | 11.6398% | 6,415 |
| Memoranda: | ||
| Average total assets | $340,967,000 | 2,037 |
| Average earning assets | $323,669,000 | 1,960 |
| Average equity | $23,699,000 | 2,801 |
| Average total loans | $226,348,500 | 2,131 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2243% | 4,394 |
| Cost of funding earning assets | 3.0644% | 1,625 |
| Net interest margin | 3.1599% | 6,492 |
| Noninterest income to average assets | 0.3691% | 5,750 |
| Noninterest expense to average assets | 1.8730% | 7,659 |
| Loan and lease loss provision to assets | 0.3933% | 3,337 |
| Net operating income to assets | 0.7568% | 3,629 |
| Return on assets (ROA) | 0.7835% | 3,353 |
| Pretax return on assets | 1.1275% | 2,928 |
| Return on Equity (ROE) | 10.3088% | 2,156 |
| Retained earnings to average equity (ytd only) | 4.7606% | 2,180 |
| Net charge-offs to loans | 0.3807% | 2,928 |
| Credit loss provision to net charge-offs | 146.0688% | 3,612 |
| Earnings coverage of net charge-offs (x) | 5.5049% | 3,623 |
| Efficiency ratio | 55.8261% | 7,036 |
| Assets per employee ($millions) | 6.2695% | 998 |
| Cash dividends to net income (ytd only)* | 53.8202% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 2,972 |
| Loan loss allowance to noncurrent loans | 290.4590% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.7686% | 4,925 |
| Noncurrent loans to loans | 0.4956% | 5,865 |
| Net loans and leases to total assets | 65.2612% | 4,997 |
| Net loans and leases to deposits | 83.3126% | 4,524 |
| Net loans and leases to core deposits | 113.6788% | 3,377 |
| Total domestic deposits to total assets | 78.3329% | 5,601 |
| Equity capital to assets | 7.0160% | 7,728 |
| Core capital (leverage) ratio | 7.1557% | 7,562 |
| Tier 1 risk-based capital ratio | 10.5688% | 6,139 |
| Total risk-based capital ratio | 11.8215% | 6,038 |
| Memoranda: | ||
| Average total assets | $302,347,200 | 2,192 |
| Average earning assets | $285,704,200 | 2,132 |
| Average equity | $22,980,400 | 2,851 |
| Average total loans | $213,803,400 | 2,177 |