Home > First South Bank > Performance and Condition Ratios
First South Bank, Performance and Condition Ratios
| 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 | 4.1972% | 2,628 |
| Cost of funding earning assets | 0.3613% | 3,548 |
| Net interest margin | 3.8359% | 2,258 |
| Noninterest income to average assets | 1.2858% | 644 |
| Noninterest expense to average assets | 3.3883% | 1,179 |
| Loan and lease loss provision to assets | 0.1089% | 1,953 |
| Net operating income to assets | 0.9322% | 2,871 |
| Return on assets (ROA) | 0.9322% | 2,929 |
| Pretax return on assets | 1.3515% | 2,278 |
| Return on Equity (ROE) | 9.7437% | 2,236 |
| Retained earnings to average equity (ytd only) | 7.2351% | 1,574 |
| Net charge-offs to loans | -0.0069% | 4,533 |
| Credit loss provision to net charge-offs | -2,179.4872% | 5,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4019% | 2,632 |
| Assets per employee ($millions) | 3.8871% | 4,182 |
| Cash dividends to net income (ytd only)* | 25.7457% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 2,816 |
| Loan loss allowance to noncurrent loans | 414.8373% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 3,350 |
| Noncurrent loans to loans | 0.2938% | 3,889 |
| Net loans and leases to total assets | 72.2343% | 2,224 |
| Net loans and leases to deposits | 81.7419% | 2,804 |
| Net loans and leases to core deposits | 87.9661% | 2,774 |
| Total domestic deposits to total assets | 88.3687% | 1,187 |
| Equity capital to assets | 9.6149% | 4,331 |
| Core capital (leverage) ratio | 8.9560% | 4,791 |
| Tier 1 risk-based capital ratio | 11.7254% | 4,816 |
| Total risk-based capital ratio | 12.9466% | 4,720 |
| Memoranda: | ||
| Average total assets | $1,040,491,000 | 717 |
| Average earning assets | $966,460,500 | 706 |
| Average equity | $99,549,250 | 831 |
| Average total loans | $750,739,000 | 700 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1342% | 2,722 |
| Cost of funding earning assets | 0.3575% | 3,504 |
| Net interest margin | 3.7768% | 2,377 |
| Noninterest income to average assets | 1.2895% | 626 |
| Noninterest expense to average assets | 3.4779% | 1,044 |
| Loan and lease loss provision to assets | 0.1457% | 1,398 |
| Net operating income to assets | 0.8169% | 3,318 |
| Return on assets (ROA) | 0.8169% | 3,371 |
| Pretax return on assets | 1.1667% | 2,911 |
| Return on Equity (ROE) | 8.5533% | 2,751 |
| Retained earnings to average equity (ytd only) | 5.8263% | 2,212 |
| Net charge-offs to loans | 0.0151% | 2,943 |
| Credit loss provision to net charge-offs | 1,339.2857% | 315 |
| Earnings coverage of net charge-offs (x) | 120.6607% | 576 |
| Efficiency ratio | 72.1121% | 2,317 |
| Assets per employee ($millions) | 3.7329% | 4,384 |
| Cash dividends to net income (ytd only)* | 31.8830% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 3,037 |
| Loan loss allowance to noncurrent loans | 369.7987% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 3,234 |
| Noncurrent loans to loans | 0.3235% | 3,872 |
| Net loans and leases to total assets | 72.9778% | 2,046 |
| Net loans and leases to deposits | 82.9449% | 2,605 |
| Net loans and leases to core deposits | 89.2663% | 2,591 |
| Total domestic deposits to total assets | 87.9834% | 1,463 |
| Equity capital to assets | 9.4799% | 4,419 |
| Core capital (leverage) ratio | 8.8381% | 4,907 |
| Tier 1 risk-based capital ratio | 11.3711% | 5,040 |
| Total risk-based capital ratio | 12.5712% | 4,960 |
| Memoranda: | ||
| Average total assets | $1,029,704,330 | 729 |
| Average earning assets | $954,466,330 | 716 |
| Average equity | $98,347,670 | 841 |
| Average total loans | $739,476,000 | 710 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0986% | 2,655 |
| Cost of funding earning assets | 0.3477% | 3,557 |
| Net interest margin | 3.7509% | 2,302 |
| Noninterest income to average assets | 1.2590% | 649 |
| Noninterest expense to average assets | 3.5005% | 1,042 |
| Loan and lease loss provision to assets | 0.1045% | 1,830 |
| Net operating income to assets | 0.7905% | 3,264 |
| Return on assets (ROA) | 0.7905% | 3,321 |
| Pretax return on assets | 1.1245% | 2,887 |
| Return on Equity (ROE) | 8.2450% | 2,787 |
| Retained earnings to average equity (ytd only) | 6.8756% | 1,900 |
| Net charge-offs to loans | -0.0017% | 3,995 |
| Credit loss provision to net charge-offs | -8,833.3333% | 4,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5140% | 2,318 |
| Assets per employee ($millions) | 3.5689% | 4,684 |
| Cash dividends to net income (ytd only)* | 16.6085% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,967 |
| Loan loss allowance to noncurrent loans | 322.1982% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.5671% | 2,959 |
| Noncurrent loans to loans | 0.3803% | 3,735 |
| Net loans and leases to total assets | 69.3949% | 2,480 |
| Net loans and leases to deposits | 78.2306% | 2,944 |
| Net loans and leases to core deposits | 84.4672% | 2,857 |
| Total domestic deposits to total assets | 88.7055% | 1,316 |
| Equity capital to assets | 9.4724% | 4,305 |
| Core capital (leverage) ratio | 8.8858% | 4,860 |
| Tier 1 risk-based capital ratio | 11.5916% | 4,978 |
| Total risk-based capital ratio | 12.7909% | 4,908 |
| Memoranda: | ||
| Average total assets | $1,014,484,000 | 741 |
| Average earning assets | $938,652,500 | 733 |
| Average equity | $97,271,000 | 845 |
| Average total loans | $717,695,500 | 734 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0871% | 2,906 |
| Cost of funding earning assets | 0.3463% | 3,557 |
| Net interest margin | 3.7407% | 2,535 |
| Noninterest income to average assets | 1.3820% | 603 |
| Noninterest expense to average assets | 3.6713% | 921 |
| Loan and lease loss provision to assets | 0.1006% | 2,365 |
| Net operating income to assets | 0.7388% | 3,596 |
| Return on assets (ROA) | 0.7727% | 3,540 |
| Pretax return on assets | 1.1059% | 3,080 |
| Return on Equity (ROE) | 7.8194% | 3,044 |
| Retained earnings to average equity (ytd only) | 5.8060% | 1,820 |
| Net charge-offs to loans | 0.0247% | 3,550 |
| Credit loss provision to net charge-offs | 591.4634% | 580 |
| Earnings coverage of net charge-offs (x) | 68.0732% | 811 |
| Efficiency ratio | 75.4108% | 2,076 |
| Assets per employee ($millions) | 3.4035% | 4,901 |
| Cash dividends to net income (ytd only)* | 25.7484% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 2,947 |
| Loan loss allowance to noncurrent loans | 284.2675% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.6341% | 2,817 |
| Noncurrent loans to loans | 0.4323% | 3,593 |
| Net loans and leases to total assets | 70.3820% | 2,416 |
| Net loans and leases to deposits | 79.8928% | 2,902 |
| Net loans and leases to core deposits | 85.4126% | 2,892 |
| Total domestic deposits to total assets | 88.0956% | 1,587 |
| Equity capital to assets | 9.7097% | 4,052 |
| Core capital (leverage) ratio | 8.8941% | 4,861 |
| Tier 1 risk-based capital ratio | 11.7983% | 4,865 |
| Total risk-based capital ratio | 13.0096% | 4,789 |
| Memoranda: | ||
| Average total assets | $964,034,000 | 751 |
| Average earning assets | $888,437,000 | 741 |
| Average equity | $95,263,200 | 841 |
| Average total loans | $664,421,600 | 749 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0729% | 2,977 |
| Cost of funding earning assets | 0.3448% | 3,595 |
| Net interest margin | 3.7281% | 2,601 |
| Noninterest income to average assets | 1.4030% | 601 |
| Noninterest expense to average assets | 3.7239% | 822 |
| Loan and lease loss provision to assets | 0.1072% | 2,137 |
| Net operating income to assets | 0.6972% | 3,865 |
| Return on assets (ROA) | 0.7421% | 3,767 |
| Pretax return on assets | 1.0724% | 3,342 |
| Return on Equity (ROE) | 7.4761% | 3,316 |
| Retained earnings to average equity (ytd only) | 5.3255% | 2,602 |
| Net charge-offs to loans | 0.0283% | 3,093 |
| Credit loss provision to net charge-offs | 553.9568% | 652 |
| Earnings coverage of net charge-offs (x) | 57.5823% | 987 |
| Efficiency ratio | 76.3506% | 1,927 |
| Assets per employee ($millions) | 3.3267% | 5,014 |
| Cash dividends to net income (ytd only)* | 28.7671% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 3,053 |
| Loan loss allowance to noncurrent loans | 293.2367% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.7828% | 2,597 |
| Noncurrent loans to loans | 0.4201% | 3,773 |
| Net loans and leases to total assets | 69.1857% | 2,609 |
| Net loans and leases to deposits | 79.0807% | 3,068 |
| Net loans and leases to core deposits | 85.2033% | 3,017 |
| Total domestic deposits to total assets | 87.4875% | 1,670 |
| Equity capital to assets | 9.9184% | 4,221 |
| Core capital (leverage) ratio | 8.8902% | 4,953 |
| Tier 1 risk-based capital ratio | 11.8750% | 4,867 |
| Total risk-based capital ratio | 13.0995% | 4,781 |
| Memoranda: | ||
| Average total assets | $957,441,000 | 758 |
| Average earning assets | $882,297,500 | 747 |
| Average equity | $95,037,750 | 842 |
| Average total loans | $654,091,750 | 760 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0629% | 3,015 |
| Cost of funding earning assets | 0.3435% | 3,635 |
| Net interest margin | 3.7194% | 2,616 |
| Noninterest income to average assets | 1.3660% | 614 |
| Noninterest expense to average assets | 3.7813% | 792 |
| Loan and lease loss provision to assets | 0.1160% | 1,951 |
| Net operating income to assets | 0.6302% | 4,144 |
| Return on assets (ROA) | 0.7002% | 3,948 |
| Pretax return on assets | 0.9880% | 3,629 |
| Return on Equity (ROE) | 7.0518% | 3,509 |
| Retained earnings to average equity (ytd only) | 4.9851% | 2,752 |
| Net charge-offs to loans | 0.0246% | 2,994 |
| Credit loss provision to net charge-offs | 696.2025% | 508 |
| Earnings coverage of net charge-offs (x) | 60.3544% | 874 |
| Efficiency ratio | 78.3681% | 1,732 |
| Assets per employee ($millions) | 3.2776% | 5,104 |
| Cash dividends to net income (ytd only)* | 29.3072% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 3,151 |
| Loan loss allowance to noncurrent loans | 297.3609% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.8690% | 2,424 |
| Noncurrent loans to loans | 0.4160% | 3,862 |
| Net loans and leases to total assets | 69.3248% | 2,578 |
| Net loans and leases to deposits | 80.5565% | 2,866 |
| Net loans and leases to core deposits | 87.0842% | 2,806 |
| Total domestic deposits to total assets | 86.0574% | 2,395 |
| Equity capital to assets | 10.0885% | 4,110 |
| Core capital (leverage) ratio | 8.8611% | 4,988 |
| Tier 1 risk-based capital ratio | 11.7317% | 5,015 |
| Total risk-based capital ratio | 12.9491% | 4,930 |
| Memoranda: | ||
| Average total assets | $948,350,330 | 765 |
| Average earning assets | $872,239,000 | 756 |
| Average equity | $94,161,000 | 847 |
| Average total loans | $642,196,000 | 774 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0098% | 3,189 |
| Cost of funding earning assets | 0.3422% | 3,688 |
| Net interest margin | 3.6676% | 2,815 |
| Noninterest income to average assets | 1.3600% | 598 |
| Noninterest expense to average assets | 3.8279% | 743 |
| Loan and lease loss provision to assets | 0.0955% | 2,097 |
| Net operating income to assets | 0.5804% | 4,269 |
| Return on assets (ROA) | 0.6660% | 4,016 |
| Pretax return on assets | 0.9330% | 3,716 |
| Return on Equity (ROE) | 6.7630% | 3,583 |
| Retained earnings to average equity (ytd only) | 4.6595% | 3,145 |
| Net charge-offs to loans | -0.0275% | 5,023 |
| Credit loss provision to net charge-offs | -523.2558% | 4,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1918% | 1,583 |
| Assets per employee ($millions) | 3.0587% | 5,444 |
| Cash dividends to net income (ytd only)* | 31.1026% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 3,064 |
| Loan loss allowance to noncurrent loans | 271.7101% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.9531% | 2,322 |
| Noncurrent loans to loans | 0.4667% | 3,776 |
| Net loans and leases to total assets | 67.4541% | 2,738 |
| Net loans and leases to deposits | 77.3043% | 3,074 |
| Net loans and leases to core deposits | 83.7590% | 2,959 |
| Total domestic deposits to total assets | 87.2578% | 2,071 |
| Equity capital to assets | 9.9876% | 4,094 |
| Core capital (leverage) ratio | 8.7429% | 5,135 |
| Tier 1 risk-based capital ratio | 11.8653% | 4,999 |
| Total risk-based capital ratio | 13.0975% | 4,921 |
| Memoranda: | ||
| Average total assets | $942,353,500 | 769 |
| Average earning assets | $867,374,000 | 764 |
| Average equity | $92,799,500 | 857 |
| Average total loans | $626,246,500 | 787 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9403% | 3,563 |
| Cost of funding earning assets | 0.3021% | 4,223 |
| Net interest margin | 3.6382% | 2,987 |
| Noninterest income to average assets | 1.3897% | 628 |
| Noninterest expense to average assets | 3.9876% | 686 |
| Loan and lease loss provision to assets | 0.0885% | 2,529 |
| Net operating income to assets | 0.4525% | 4,877 |
| Return on assets (ROA) | 0.5638% | 4,537 |
| Pretax return on assets | 0.7907% | 4,222 |
| Return on Equity (ROE) | 5.6221% | 4,221 |
| Retained earnings to average equity (ytd only) | 3.2747% | 3,723 |
| Net charge-offs to loans | 0.0835% | 2,642 |
| Credit loss provision to net charge-offs | 176.6004% | 1,535 |
| Earnings coverage of net charge-offs (x) | 14.4216% | 2,297 |
| Efficiency ratio | 83.9887% | 1,182 |
| Assets per employee ($millions) | 3.0022% | 5,519 |
| Cash dividends to net income (ytd only)* | 41.7533% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 2,976 |
| Loan loss allowance to noncurrent loans | 237.5302% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.9979% | 2,201 |
| Noncurrent loans to loans | 0.5421% | 3,539 |
| Net loans and leases to total assets | 63.7720% | 3,315 |
| Net loans and leases to deposits | 74.2763% | 3,459 |
| Net loans and leases to core deposits | 80.2241% | 3,318 |
| Total domestic deposits to total assets | 85.8579% | 2,708 |
| Equity capital to assets | 9.7087% | 4,291 |
| Core capital (leverage) ratio | 8.6702% | 5,249 |
| Tier 1 risk-based capital ratio | 12.0555% | 4,912 |
| Total risk-based capital ratio | 13.2936% | 4,823 |
| Memoranda: | ||
| Average total assets | $904,350,800 | 759 |
| Average earning assets | $825,327,400 | 757 |
| Average equity | $90,695,800 | 837 |
| Average total loans | $542,790,000 | 863 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9191% | 3,687 |
| Cost of funding earning assets | 0.2935% | 4,411 |
| Net interest margin | 3.6257% | 3,052 |
| Noninterest income to average assets | 1.3982% | 636 |
| Noninterest expense to average assets | 4.0346% | 640 |
| Loan and lease loss provision to assets | 0.0708% | 2,766 |
| Net operating income to assets | 0.4130% | 5,118 |
| Return on assets (ROA) | 0.5112% | 4,837 |
| Pretax return on assets | 0.7370% | 4,545 |
| Return on Equity (ROE) | 5.0550% | 4,600 |
| Retained earnings to average equity (ytd only) | 2.2665% | 4,752 |
| Net charge-offs to loans | 0.1078% | 2,055 |
| Credit loss provision to net charge-offs | 111.7647% | 2,091 |
| Earnings coverage of net charge-offs (x) | 10.4989% | 2,592 |
| Efficiency ratio | 85.1594% | 1,072 |
| Assets per employee ($millions) | 2.9258% | 5,625 |
| Cash dividends to net income (ytd only)* | 55.1634% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 2,970 |
| Loan loss allowance to noncurrent loans | 206.8871% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 1.1135% | 2,130 |
| Noncurrent loans to loans | 0.6404% | 3,402 |
| Net loans and leases to total assets | 61.7577% | 3,646 |
| Net loans and leases to deposits | 71.8581% | 3,787 |
| Net loans and leases to core deposits | 77.5501% | 3,646 |
| Total domestic deposits to total assets | 85.9439% | 2,557 |
| Equity capital to assets | 9.9976% | 4,152 |
| Core capital (leverage) ratio | 8.6557% | 5,403 |
| Tier 1 risk-based capital ratio | 12.4769% | 4,775 |
| Total risk-based capital ratio | 13.7337% | 4,663 |
| Memoranda: | ||
| Average total assets | $894,014,000 | 778 |
| Average earning assets | $814,171,500 | 772 |
| Average equity | $90,416,000 | 847 |
| Average total loans | $525,748,000 | 896 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8940% | 3,717 |
| Cost of funding earning assets | 0.2824% | 4,584 |
| Net interest margin | 3.6116% | 3,038 |
| Noninterest income to average assets | 1.3930% | 648 |
| Noninterest expense to average assets | 4.0834% | 611 |
| Loan and lease loss provision to assets | 0.0315% | 3,491 |
| Net operating income to assets | 0.3977% | 5,143 |
| Return on assets (ROA) | 0.4700% | 4,989 |
| Pretax return on assets | 0.6612% | 4,785 |
| Return on Equity (ROE) | 4.6287% | 4,780 |
| Retained earnings to average equity (ytd only) | 1.4046% | 4,988 |
| Net charge-offs to loans | 0.1160% | 1,841 |
| Credit loss provision to net charge-offs | 47.2973% | 2,737 |
| Earnings coverage of net charge-offs (x) | 8.8615% | 2,521 |
| Efficiency ratio | 86.6638% | 1,004 |
| Assets per employee ($millions) | 2.9095% | 5,700 |
| Cash dividends to net income (ytd only)* | 69.6548% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 3,032 |
| Loan loss allowance to noncurrent loans | 161.2084% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 1.2877% | 1,957 |
| Noncurrent loans to loans | 0.8308% | 3,046 |
| Net loans and leases to total assets | 60.3368% | 3,781 |
| Net loans and leases to deposits | 70.0839% | 3,926 |
| Net loans and leases to core deposits | 74.2565% | 3,941 |
| Total domestic deposits to total assets | 86.0923% | 2,650 |
| Equity capital to assets | 9.9668% | 4,079 |
| Core capital (leverage) ratio | 8.7833% | 5,246 |
| Tier 1 risk-based capital ratio | 12.6237% | 4,725 |
| Total risk-based capital ratio | 13.8814% | 4,650 |
| Memoranda: | ||
| Average total assets | $887,731,000 | 789 |
| Average earning assets | $806,570,000 | 784 |
| Average equity | $90,133,330 | 853 |
| Average total loans | $510,553,000 | 918 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 3,641 |
| Cost of funding earning assets | 0.2847% | 4,614 |
| Net interest margin | 3.6108% | 2,961 |
| Noninterest income to average assets | 1.2856% | 697 |
| Noninterest expense to average assets | 4.1620% | 577 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2924% | 5,445 |
| Return on assets (ROA) | 0.3755% | 5,282 |
| Pretax return on assets | 0.5156% | 5,141 |
| Return on Equity (ROE) | 3.6638% | 5,122 |
| Retained earnings to average equity (ytd only) | -0.4956% | 5,469 |
| Net charge-offs to loans | 0.2583% | 931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.7950% | 2,697 |
| Efficiency ratio | 90.4809% | 818 |
| Assets per employee ($millions) | 2.8171% | 5,867 |
| Cash dividends to net income (ytd only)* | 113.5266% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 2,675 |
| Loan loss allowance to noncurrent loans | 163.1114% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 1.3082% | 2,029 |
| Noncurrent loans to loans | 0.8892% | 3,017 |
| Net loans and leases to total assets | 55.6834% | 4,237 |
| Net loans and leases to deposits | 62.3640% | 4,537 |
| Net loans and leases to core deposits | 65.6544% | 4,551 |
| Total domestic deposits to total assets | 89.2878% | 1,099 |
| Equity capital to assets | 10.3432% | 3,731 |
| Core capital (leverage) ratio | 8.9708% | 4,983 |
| Tier 1 risk-based capital ratio | 13.9819% | 4,039 |
| Total risk-based capital ratio | 15.2329% | 3,951 |
| Memoranda: | ||
| Average total assets | $882,084,000 | 794 |
| Average earning assets | $800,822,000 | 792 |
| Average equity | $90,398,000 | 852 |
| Average total loans | $490,926,000 | 958 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3544% | 2,388 |
| Cost of funding earning assets | 0.3618% | 4,122 |
| Net interest margin | 3.9926% | 1,923 |
| Noninterest income to average assets | 1.1196% | 975 |
| Noninterest expense to average assets | 3.8030% | 985 |
| Loan and lease loss provision to assets | 0.1485% | 1,769 |
| Net operating income to assets | 0.5564% | 4,575 |
| Return on assets (ROA) | 0.5577% | 4,664 |
| Pretax return on assets | 0.7871% | 4,304 |
| Return on Equity (ROE) | 4.7118% | 4,797 |
| Retained earnings to average equity (ytd only) | 2.7842% | 4,258 |
| Net charge-offs to loans | 0.2519% | 1,700 |
| Credit loss provision to net charge-offs | 92.5147% | 2,590 |
| Earnings coverage of net charge-offs (x) | 5.8167% | 3,347 |
| Efficiency ratio | 80.2656% | 1,888 |
| Assets per employee ($millions) | 2.7750% | 5,957 |
| Cash dividends to net income (ytd only)* | 40.9102% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5498% | 2,256 |
| Loan loss allowance to noncurrent loans | 138.5664% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 1.4892% | 1,841 |
| Noncurrent loans to loans | 1.1184% | 2,600 |
| Net loans and leases to total assets | 53.9641% | 4,585 |
| Net loans and leases to deposits | 60.5332% | 4,857 |
| Net loans and leases to core deposits | 63.7311% | 4,854 |
| Total domestic deposits to total assets | 89.1479% | 1,151 |
| Equity capital to assets | 10.1539% | 3,915 |
| Core capital (leverage) ratio | 9.6535% | 4,030 |
| Tier 1 risk-based capital ratio | 13.3176% | 4,531 |
| Total risk-based capital ratio | 14.5692% | 4,460 |
| Memoranda: | ||
| Average total assets | $740,729,400 | 912 |
| Average earning assets | $671,066,400 | 918 |
| Average equity | $87,674,400 | 845 |
| Average total loans | $472,036,800 | 943 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5204% | 1,796 |
| Cost of funding earning assets | 0.3690% | 4,135 |
| Net interest margin | 4.1515% | 1,425 |
| Noninterest income to average assets | 1.1581% | 893 |
| Noninterest expense to average assets | 3.6623% | 1,186 |
| Loan and lease loss provision to assets | 0.2081% | 1,118 |
| Net operating income to assets | 0.7406% | 3,723 |
| Return on assets (ROA) | 0.7425% | 3,817 |
| Pretax return on assets | 1.0500% | 3,377 |
| Return on Equity (ROE) | 6.0053% | 4,231 |
| Retained earnings to average equity (ytd only) | 3.7862% | 3,961 |
| Net charge-offs to loans | 0.3428% | 1,168 |
| Credit loss provision to net charge-offs | 91.2863% | 2,405 |
| Earnings coverage of net charge-offs (x) | 5.5062% | 3,247 |
| Efficiency ratio | 74.4392% | 2,752 |
| Assets per employee ($millions) | 2.9592% | 5,777 |
| Cash dividends to net income (ytd only)* | 36.9522% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 2,424 |
| Loan loss allowance to noncurrent loans | 149.4821% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 1.7880% | 1,670 |
| Noncurrent loans to loans | 1.0490% | 2,976 |
| Net loans and leases to total assets | 64.1852% | 3,151 |
| Net loans and leases to deposits | 78.1177% | 2,938 |
| Net loans and leases to core deposits | 83.7014% | 2,917 |
| Total domestic deposits to total assets | 82.1648% | 4,425 |
| Equity capital to assets | 12.2159% | 1,894 |
| Core capital (leverage) ratio | 11.0141% | 2,470 |
| Tier 1 risk-based capital ratio | 14.9226% | 3,634 |
| Total risk-based capital ratio | 16.1756% | 3,561 |
| Memoranda: | ||
| Average total assets | $704,603,000 | 959 |
| Average earning assets | $638,122,000 | 969 |
| Average equity | $87,121,500 | 851 |
| Average total loans | $468,738,750 | 950 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5559% | 1,653 |
| Cost of funding earning assets | 0.3602% | 4,322 |
| Net interest margin | 4.1957% | 1,254 |
| Noninterest income to average assets | 1.1370% | 911 |
| Noninterest expense to average assets | 3.7116% | 1,120 |
| Loan and lease loss provision to assets | 0.2015% | 1,192 |
| Net operating income to assets | 0.7216% | 3,721 |
| Return on assets (ROA) | 0.7245% | 3,799 |
| Pretax return on assets | 1.0198% | 3,398 |
| Return on Equity (ROE) | 5.8346% | 4,248 |
| Retained earnings to average equity (ytd only) | 3.0529% | 4,263 |
| Net charge-offs to loans | 0.1646% | 2,076 |
| Credit loss provision to net charge-offs | 182.7676% | 1,257 |
| Earnings coverage of net charge-offs (x) | 11.0418% | 2,189 |
| Efficiency ratio | 75.2569% | 2,766 |
| Assets per employee ($millions) | 2.8318% | 5,988 |
| Cash dividends to net income (ytd only)* | 47.6758% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6696% | 2,232 |
| Loan loss allowance to noncurrent loans | 91.2083% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 2.4507% | 1,166 |
| Noncurrent loans to loans | 1.8306% | 1,874 |
| Net loans and leases to total assets | 65.6726% | 2,809 |
| Net loans and leases to deposits | 78.6448% | 2,715 |
| Net loans and leases to core deposits | 83.8027% | 2,759 |
| Total domestic deposits to total assets | 83.5054% | 4,106 |
| Equity capital to assets | 12.4387% | 1,682 |
| Core capital (leverage) ratio | 10.9300% | 2,496 |
| Tier 1 risk-based capital ratio | 14.8731% | 3,698 |
| Total risk-based capital ratio | 16.1275% | 3,645 |
| Memoranda: | ||
| Average total assets | $694,840,670 | 973 |
| Average earning assets | $627,972,670 | 983 |
| Average equity | $86,278,330 | 853 |
| Average total loans | $465,467,330 | 950 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5688% | 1,588 |
| Cost of funding earning assets | 0.3613% | 4,426 |
| Net interest margin | 4.2075% | 1,197 |
| Noninterest income to average assets | 1.0348% | 1,050 |
| Noninterest expense to average assets | 3.7533% | 1,052 |
| Loan and lease loss provision to assets | 0.1456% | 1,676 |
| Net operating income to assets | 0.6732% | 3,830 |
| Return on assets (ROA) | 0.6790% | 3,870 |
| Pretax return on assets | 0.9417% | 3,549 |
| Return on Equity (ROE) | 5.4734% | 4,288 |
| Retained earnings to average equity (ytd only) | 3.3610% | 4,109 |
| Net charge-offs to loans | 0.0477% | 2,718 |
| Credit loss provision to net charge-offs | 454.5455% | 590 |
| Earnings coverage of net charge-offs (x) | 33.6909% | 978 |
| Efficiency ratio | 77.5729% | 2,538 |
| Assets per employee ($millions) | 2.7773% | 6,126 |
| Cash dividends to net income (ytd only)* | 38.5935% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6685% | 2,445 |
| Loan loss allowance to noncurrent loans | 140.7902% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 2.0798% | 1,620 |
| Noncurrent loans to loans | 1.1851% | 3,068 |
| Net loans and leases to total assets | 65.7155% | 2,616 |
| Net loans and leases to deposits | 77.5088% | 2,627 |
| Net loans and leases to core deposits | 81.5984% | 2,780 |
| Total domestic deposits to total assets | 84.7846% | 3,960 |
| Equity capital to assets | 12.3357% | 1,666 |
| Core capital (leverage) ratio | 11.1636% | 2,255 |
| Tier 1 risk-based capital ratio | 14.9293% | 3,749 |
| Total risk-based capital ratio | 16.1837% | 3,701 |
| Memoranda: | ||
| Average total assets | $686,869,500 | 990 |
| Average earning assets | $619,942,000 | 1,006 |
| Average equity | $85,211,500 | 860 |
| Average total loans | $460,843,000 | 962 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7567% | 1,423 |
| Cost of funding earning assets | 0.4015% | 4,642 |
| Net interest margin | 4.3552% | 986 |
| Noninterest income to average assets | 1.3652% | 749 |
| Noninterest expense to average assets | 3.8608% | 1,042 |
| Loan and lease loss provision to assets | 0.1580% | 2,307 |
| Net operating income to assets | 0.8627% | 2,960 |
| Return on assets (ROA) | 0.9154% | 2,791 |
| Pretax return on assets | 1.3873% | 1,834 |
| Return on Equity (ROE) | 7.4963% | 3,298 |
| Retained earnings to average equity (ytd only) | 6.6910% | 1,584 |
| Net charge-offs to loans | 0.2933% | 2,222 |
| Credit loss provision to net charge-offs | 81.2126% | 3,014 |
| Earnings coverage of net charge-offs (x) | 7.5307% | 2,827 |
| Efficiency ratio | 72.3998% | 3,399 |
| Assets per employee ($millions) | 2.7282% | 6,189 |
| Cash dividends to net income (ytd only)* | 10.7416% | 4,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6762% | 2,475 |
| Loan loss allowance to noncurrent loans | 126.9436% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 2.2776% | 1,551 |
| Noncurrent loans to loans | 1.3204% | 2,930 |
| Net loans and leases to total assets | 66.2370% | 2,660 |
| Net loans and leases to deposits | 76.0904% | 2,953 |
| Net loans and leases to core deposits | 80.3035% | 3,093 |
| Total domestic deposits to total assets | 87.0504% | 2,698 |
| Equity capital to assets | 12.4786% | 1,521 |
| Core capital (leverage) ratio | 11.1818% | 2,214 |
| Tier 1 risk-based capital ratio | 15.5522% | 3,340 |
| Total risk-based capital ratio | 16.8070% | 3,292 |
| Memoranda: | ||
| Average total assets | $686,496,000 | 965 |
| Average earning assets | $624,386,400 | 974 |
| Average equity | $83,828,400 | 849 |
| Average total loans | $455,532,200 | 934 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7910% | 1,367 |
| Cost of funding earning assets | 0.4066% | 4,771 |
| Net interest margin | 4.3844% | 928 |
| Noninterest income to average assets | 1.3895% | 754 |
| Noninterest expense to average assets | 3.9047% | 962 |
| Loan and lease loss provision to assets | 0.0773% | 3,513 |
| Net operating income to assets | 0.9123% | 2,766 |
| Return on assets (ROA) | 0.9811% | 2,564 |
| Pretax return on assets | 1.5072% | 1,583 |
| Return on Equity (ROE) | 8.0781% | 3,082 |
| Retained earnings to average equity (ytd only) | 8.0781% | 1,380 |
| Net charge-offs to loans | 0.1617% | 2,941 |
| Credit loss provision to net charge-offs | 72.3327% | 3,020 |
| Earnings coverage of net charge-offs (x) | 13.8301% | 1,990 |
| Efficiency ratio | 72.4475% | 3,327 |
| Assets per employee ($millions) | 2.7690% | 6,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7145% | 2,581 |
| Loan loss allowance to noncurrent loans | 100.5479% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 2.4459% | 1,583 |
| Noncurrent loans to loans | 1.7051% | 2,640 |
| Net loans and leases to total assets | 64.8610% | 2,832 |
| Net loans and leases to deposits | 74.4565% | 3,164 |
| Net loans and leases to core deposits | 78.7319% | 3,267 |
| Total domestic deposits to total assets | 87.1126% | 2,629 |
| Equity capital to assets | 12.3595% | 1,669 |
| Core capital (leverage) ratio | 11.0991% | 2,383 |
| Tier 1 risk-based capital ratio | 15.7763% | 3,314 |
| Total risk-based capital ratio | 17.0317% | 3,264 |
| Memoranda: | ||
| Average total assets | $689,655,500 | 971 |
| Average earning assets | $628,217,500 | 972 |
| Average equity | $83,763,500 | 855 |
| Average total loans | $455,927,250 | 940 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8586% | 1,195 |
| Cost of funding earning assets | 0.4127% | 4,831 |
| Net interest margin | 4.4458% | 783 |
| Noninterest income to average assets | 1.4057% | 799 |
| Noninterest expense to average assets | 3.8707% | 1,014 |
| Loan and lease loss provision to assets | 0.1155% | 2,881 |
| Net operating income to assets | 0.9508% | 2,569 |
| Return on assets (ROA) | 1.0028% | 2,457 |
| Pretax return on assets | 1.5573% | 1,463 |
| Return on Equity (ROE) | 8.3041% | 2,941 |
| Retained earnings to average equity (ytd only) | 8.3041% | 1,362 |
| Net charge-offs to loans | -0.1502% | 6,591 |
| Credit loss provision to net charge-offs | -116.2791% | 5,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7767% | 3,681 |
| Assets per employee ($millions) | 2.7406% | 6,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9214% | 2,048 |
| Loan loss allowance to noncurrent loans | 105.8433% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 2.5304% | 1,671 |
| Noncurrent loans to loans | 1.8154% | 2,622 |
| Net loans and leases to total assets | 64.6185% | 2,822 |
| Net loans and leases to deposits | 73.9862% | 3,160 |
| Net loans and leases to core deposits | 78.4351% | 3,233 |
| Total domestic deposits to total assets | 87.3386% | 2,630 |
| Equity capital to assets | 12.1987% | 1,774 |
| Core capital (leverage) ratio | 11.0345% | 2,323 |
| Tier 1 risk-based capital ratio | 16.0716% | 3,149 |
| Total risk-based capital ratio | 17.3294% | 3,090 |
| Memoranda: | ||
| Average total assets | $692,479,670 | 961 |
| Average earning assets | $631,872,330 | 971 |
| Average equity | $83,621,000 | 855 |
| Average total loans | $458,060,000 | 926 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0047% | 881 |
| Cost of funding earning assets | 0.4225% | 4,885 |
| Net interest margin | 4.5822% | 577 |
| Noninterest income to average assets | 1.2809% | 927 |
| Noninterest expense to average assets | 3.7917% | 1,122 |
| Loan and lease loss provision to assets | 0.2289% | 1,599 |
| Net operating income to assets | 0.9363% | 2,486 |
| Return on assets (ROA) | 0.9363% | 2,632 |
| Pretax return on assets | 1.4623% | 1,673 |
| Return on Equity (ROE) | 7.7927% | 3,081 |
| Retained earnings to average equity (ytd only) | 7.7927% | 1,828 |
| Net charge-offs to loans | -0.2651% | 6,745 |
| Credit loss provision to net charge-offs | -130.2932% | 5,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0710% | 4,134 |
| Assets per employee ($millions) | 2.7732% | 6,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9479% | 2,183 |
| Loan loss allowance to noncurrent loans | 153.5855% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 2.4483% | 1,884 |
| Noncurrent loans to loans | 1.2683% | 3,658 |
| Net loans and leases to total assets | 62.4528% | 2,975 |
| Net loans and leases to deposits | 71.5260% | 3,249 |
| Net loans and leases to core deposits | 75.9775% | 3,327 |
| Total domestic deposits to total assets | 87.3148% | 2,746 |
| Equity capital to assets | 12.2254% | 1,890 |
| Core capital (leverage) ratio | 10.6247% | 2,632 |
| Tier 1 risk-based capital ratio | 15.9208% | 3,315 |
| Total risk-based capital ratio | 17.1789% | 3,274 |
| Memoranda: | ||
| Average total assets | $698,888,000 | 959 |
| Average earning assets | $640,914,000 | 956 |
| Average equity | $83,976,500 | 861 |
| Average total loans | $463,194,000 | 918 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2510% | 1,016 |
| Cost of funding earning assets | 0.6478% | 3,930 |
| Net interest margin | 4.6032% | 779 |
| Noninterest income to average assets | 1.1197% | 1,240 |
| Noninterest expense to average assets | 4.7797% | 444 |
| Loan and lease loss provision to assets | 3.1778% | 33 |
| Net operating income to assets | -1.5959% | 6,876 |
| Return on assets (ROA) | -1.4606% | 6,859 |
| Pretax return on assets | -2.4156% | 6,970 |
| Return on Equity (ROE) | -12.1125% | 6,769 |
| Retained earnings to average equity (ytd only) | -12.1975% | 6,705 |
| Net charge-offs to loans | 5.9979% | 15 |
| Credit loss provision to net charge-offs | 76.0217% | 3,970 |
| Earnings coverage of net charge-offs (x) | 0.1318% | 5,429 |
| Efficiency ratio | 89.5880% | 1,101 |
| Assets per employee ($millions) | 2.7955% | 6,322 |
| Cash dividends to net income (ytd only)* | -0.7018% | 7,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 3,239 |
| Loan loss allowance to noncurrent loans | 39.1395% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 4.6624% | 873 |
| Noncurrent loans to loans | 4.1272% | 1,116 |
| Net loans and leases to total assets | 67.6858% | 2,240 |
| Net loans and leases to deposits | 79.2340% | 2,378 |
| Net loans and leases to core deposits | 84.7243% | 2,462 |
| Total domestic deposits to total assets | 85.4252% | 3,647 |
| Equity capital to assets | 11.8110% | 2,175 |
| Core capital (leverage) ratio | 10.3546% | 2,940 |
| Tier 1 risk-based capital ratio | 15.2789% | 3,558 |
| Total risk-based capital ratio | 16.5340% | 3,504 |
| Memoranda: | ||
| Average total assets | $731,700,800 | 908 |
| Average earning assets | $669,322,000 | 898 |
| Average equity | $88,231,400 | 787 |
| Average total loans | $509,942,800 | 812 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2758% | 1,055 |
| Cost of funding earning assets | 0.7066% | 3,702 |
| Net interest margin | 4.5691% | 869 |
| Noninterest income to average assets | 1.0722% | 1,315 |
| Noninterest expense to average assets | 4.1142% | 811 |
| Loan and lease loss provision to assets | 0.8271% | 562 |
| Net operating income to assets | 0.2027% | 5,908 |
| Return on assets (ROA) | 0.3844% | 5,524 |
| Pretax return on assets | 0.5900% | 5,196 |
| Return on Equity (ROE) | 3.1720% | 5,616 |
| Retained earnings to average equity (ytd only) | 3.0601% | 4,721 |
| Net charge-offs to loans | 1.2315% | 785 |
| Credit loss provision to net charge-offs | 96.0747% | 3,103 |
| Earnings coverage of net charge-offs (x) | 1.3214% | 4,635 |
| Efficiency ratio | 78.2603% | 2,363 |
| Assets per employee ($millions) | 2.8217% | 6,331 |
| Cash dividends to net income (ytd only)* | 3.5262% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0534% | 678 |
| Loan loss allowance to noncurrent loans | 40.9401% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 7.6262% | 425 |
| Noncurrent loans to loans | 7.4582% | 455 |
| Net loans and leases to total assets | 66.4800% | 2,565 |
| Net loans and leases to deposits | 77.5347% | 2,725 |
| Net loans and leases to core deposits | 83.3198% | 2,774 |
| Total domestic deposits to total assets | 85.7423% | 3,391 |
| Equity capital to assets | 13.5242% | 1,338 |
| Core capital (leverage) ratio | 11.9423% | 1,689 |
| Tier 1 risk-based capital ratio | 17.3750% | 2,587 |
| Total risk-based capital ratio | 18.6472% | 2,544 |
| Memoranda: | ||
| Average total assets | $737,812,000 | 910 |
| Average earning assets | $674,919,250 | 901 |
| Average equity | $89,405,750 | 783 |
| Average total loans | $515,785,500 | 812 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3386% | 977 |
| Cost of funding earning assets | 0.7551% | 3,568 |
| Net interest margin | 4.5835% | 858 |
| Noninterest income to average assets | 0.9736% | 1,537 |
| Noninterest expense to average assets | 4.4337% | 584 |
| Loan and lease loss provision to assets | 0.7022% | 781 |
| Net operating income to assets | 0.0189% | 6,297 |
| Return on assets (ROA) | 0.2921% | 5,849 |
| Pretax return on assets | 0.4393% | 5,602 |
| Return on Equity (ROE) | 2.5041% | 5,880 |
| Retained earnings to average equity (ytd only) | 2.3315% | 5,023 |
| Net charge-offs to loans | 1.4530% | 694 |
| Credit loss provision to net charge-offs | 68.7073% | 3,598 |
| Earnings coverage of net charge-offs (x) | 0.7178% | 4,692 |
| Efficiency ratio | 85.7202% | 1,459 |
| Assets per employee ($millions) | 2.8889% | 6,257 |
| Cash dividends to net income (ytd only)* | 6.8934% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7705% | 971 |
| Loan loss allowance to noncurrent loans | 36.3419% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 7.5936% | 475 |
| Noncurrent loans to loans | 7.6235% | 468 |
| Net loans and leases to total assets | 66.1945% | 2,635 |
| Net loans and leases to deposits | 76.8638% | 2,860 |
| Net loans and leases to core deposits | 83.3319% | 2,779 |
| Total domestic deposits to total assets | 86.1192% | 3,295 |
| Equity capital to assets | 12.7827% | 1,639 |
| Core capital (leverage) ratio | 11.5905% | 1,840 |
| Tier 1 risk-based capital ratio | 16.7398% | 2,792 |
| Total risk-based capital ratio | 18.0087% | 2,736 |
| Memoranda: | ||
| Average total assets | $744,842,000 | 902 |
| Average earning assets | $681,484,670 | 894 |
| Average equity | $86,897,330 | 793 |
| Average total loans | $523,886,000 | 789 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3557% | 997 |
| Cost of funding earning assets | 0.7744% | 3,664 |
| Net interest margin | 4.5813% | 853 |
| Noninterest income to average assets | 0.9726% | 1,502 |
| Noninterest expense to average assets | 4.3188% | 644 |
| Loan and lease loss provision to assets | 0.9865% | 427 |
| Net operating income to assets | -0.0957% | 6,535 |
| Return on assets (ROA) | 0.2868% | 5,868 |
| Pretax return on assets | 0.4150% | 5,678 |
| Return on Equity (ROE) | 2.5816% | 5,872 |
| Retained earnings to average equity (ytd only) | 2.2197% | 5,156 |
| Net charge-offs to loans | 1.9794% | 478 |
| Credit loss provision to net charge-offs | 69.7498% | 2,917 |
| Earnings coverage of net charge-offs (x) | 0.5989% | 4,036 |
| Efficiency ratio | 83.5184% | 1,735 |
| Assets per employee ($millions) | 2.8757% | 6,395 |
| Cash dividends to net income (ytd only)* | 14.0187% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7380% | 1,073 |
| Loan loss allowance to noncurrent loans | 37.8136% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 7.4090% | 550 |
| Noncurrent loans to loans | 7.2408% | 596 |
| Net loans and leases to total assets | 68.3968% | 2,044 |
| Net loans and leases to deposits | 78.8042% | 2,368 |
| Net loans and leases to core deposits | 85.7818% | 2,317 |
| Total domestic deposits to total assets | 86.7933% | 3,073 |
| Equity capital to assets | 11.1022% | 2,800 |
| Core capital (leverage) ratio | 10.1745% | 3,143 |
| Tier 1 risk-based capital ratio | 14.5339% | 4,079 |
| Total risk-based capital ratio | 15.8033% | 4,021 |
| Memoranda: | ||
| Average total assets | $746,038,000 | 901 |
| Average earning assets | $682,861,500 | 892 |
| Average equity | $82,893,500 | 832 |
| Average total loans | $533,096,500 | 781 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6299% | 900 |
| Cost of funding earning assets | 1.0158% | 3,264 |
| Net interest margin | 4.6141% | 894 |
| Noninterest income to average assets | 0.8020% | 2,046 |
| Noninterest expense to average assets | 3.3459% | 2,367 |
| Loan and lease loss provision to assets | 1.3967% | 560 |
| Net operating income to assets | 0.1923% | 5,612 |
| Return on assets (ROA) | 0.2359% | 5,617 |
| Pretax return on assets | 0.3635% | 5,394 |
| Return on Equity (ROE) | 2.2886% | 5,546 |
| Retained earnings to average equity (ytd only) | 2.2260% | 4,626 |
| Net charge-offs to loans | 2.4522% | 481 |
| Credit loss provision to net charge-offs | 74.8356% | 4,681 |
| Earnings coverage of net charge-offs (x) | 0.9072% | 5,127 |
| Efficiency ratio | 66.3206% | 4,701 |
| Assets per employee ($millions) | 2.9657% | 6,168 |
| Cash dividends to net income (ytd only)* | 2.7382% | 4,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8116% | 967 |
| Loan loss allowance to noncurrent loans | 34.4817% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 8.2038% | 477 |
| Noncurrent loans to loans | 8.1538% | 488 |
| Net loans and leases to total assets | 70.5557% | 1,913 |
| Net loans and leases to deposits | 81.4706% | 2,277 |
| Net loans and leases to core deposits | 89.1313% | 2,236 |
| Total domestic deposits to total assets | 86.6027% | 2,975 |
| Equity capital to assets | 11.1202% | 2,868 |
| Core capital (leverage) ratio | 10.0174% | 3,318 |
| Tier 1 risk-based capital ratio | 13.9544% | 4,353 |
| Total risk-based capital ratio | 15.2245% | 4,296 |
| Memoranda: | ||
| Average total assets | $774,201,800 | 848 |
| Average earning assets | $710,935,000 | 836 |
| Average equity | $79,785,600 | 843 |
| Average total loans | $589,235,400 | 712 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6478% | 939 |
| Cost of funding earning assets | 1.0583% | 3,264 |
| Net interest margin | 4.5895% | 969 |
| Noninterest income to average assets | 0.8691% | 1,755 |
| Noninterest expense to average assets | 3.3724% | 2,272 |
| Loan and lease loss provision to assets | 1.3941% | 524 |
| Net operating income to assets | 0.1964% | 5,709 |
| Return on assets (ROA) | 0.2243% | 5,769 |
| Pretax return on assets | 0.3626% | 5,570 |
| Return on Equity (ROE) | 2.2183% | 5,700 |
| Retained earnings to average equity (ytd only) | 2.1340% | 5,068 |
| Net charge-offs to loans | 1.9278% | 674 |
| Credit loss provision to net charge-offs | 93.9857% | 3,630 |
| Earnings coverage of net charge-offs (x) | 1.1549% | 4,755 |
| Efficiency ratio | 66.2340% | 4,681 |
| Assets per employee ($millions) | 3.0146% | 6,085 |
| Cash dividends to net income (ytd only)* | 3.8026% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1211% | 783 |
| Loan loss allowance to noncurrent loans | 42.2931% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 7.3359% | 648 |
| Noncurrent loans to loans | 7.3797% | 645 |
| Net loans and leases to total assets | 74.2120% | 1,303 |
| Net loans and leases to deposits | 84.9666% | 1,840 |
| Net loans and leases to core deposits | 92.5023% | 1,938 |
| Total domestic deposits to total assets | 87.3426% | 2,447 |
| Equity capital to assets | 10.5338% | 3,663 |
| Core capital (leverage) ratio | 9.8025% | 3,705 |
| Tier 1 risk-based capital ratio | 13.3289% | 4,860 |
| Total risk-based capital ratio | 14.6045% | 4,806 |
| Memoranda: | ||
| Average total assets | $781,651,750 | 847 |
| Average earning assets | $718,116,500 | 834 |
| Average equity | $79,037,250 | 858 |
| Average total loans | $601,441,250 | 702 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6162% | 1,046 |
| Cost of funding earning assets | 1.0840% | 3,360 |
| Net interest margin | 4.5322% | 1,052 |
| Noninterest income to average assets | 0.9762% | 1,389 |
| Noninterest expense to average assets | 3.4177% | 2,214 |
| Loan and lease loss provision to assets | 1.4018% | 521 |
| Net operating income to assets | 0.2063% | 5,717 |
| Return on assets (ROA) | 0.2147% | 5,802 |
| Pretax return on assets | 0.3469% | 5,557 |
| Return on Equity (ROE) | 2.1529% | 5,740 |
| Retained earnings to average equity (ytd only) | 2.0256% | 4,966 |
| Net charge-offs to loans | 1.8730% | 726 |
| Credit loss provision to net charge-offs | 97.1298% | 3,244 |
| Earnings coverage of net charge-offs (x) | 1.2025% | 4,381 |
| Efficiency ratio | 66.2425% | 4,832 |
| Assets per employee ($millions) | 2.9067% | 6,285 |
| Cash dividends to net income (ytd only)* | 5.9172% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1760% | 780 |
| Loan loss allowance to noncurrent loans | 43.6023% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 6.9316% | 741 |
| Noncurrent loans to loans | 7.2841% | 685 |
| Net loans and leases to total assets | 72.7807% | 1,632 |
| Net loans and leases to deposits | 82.9910% | 2,282 |
| Net loans and leases to core deposits | 90.4141% | 2,317 |
| Total domestic deposits to total assets | 87.6971% | 2,340 |
| Equity capital to assets | 10.1577% | 3,934 |
| Core capital (leverage) ratio | 9.4638% | 4,009 |
| Tier 1 risk-based capital ratio | 12.8708% | 5,025 |
| Total risk-based capital ratio | 14.1461% | 4,978 |
| Memoranda: | ||
| Average total assets | $786,965,670 | 851 |
| Average earning assets | $725,296,670 | 834 |
| Average equity | $78,497,000 | 862 |
| Average total loans | $606,403,000 | 705 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4882% | 1,329 |
| Cost of funding earning assets | 1.0965% | 3,548 |
| Net interest margin | 4.3917% | 1,304 |
| Noninterest income to average assets | 0.8324% | 1,916 |
| Noninterest expense to average assets | 3.3485% | 2,408 |
| Loan and lease loss provision to assets | 1.2448% | 559 |
| Net operating income to assets | 0.1833% | 5,840 |
| Return on assets (ROA) | 0.2001% | 5,843 |
| Pretax return on assets | 0.3319% | 5,557 |
| Return on Equity (ROE) | 2.0248% | 5,777 |
| Retained earnings to average equity (ytd only) | 1.7685% | 5,060 |
| Net charge-offs to loans | 1.2772% | 1,081 |
| Credit loss provision to net charge-offs | 124.9746% | 2,211 |
| Earnings coverage of net charge-offs (x) | 1.5565% | 3,543 |
| Efficiency ratio | 68.2697% | 4,604 |
| Assets per employee ($millions) | 2.8875% | 6,380 |
| Cash dividends to net income (ytd only)* | 12.6582% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1854% | 774 |
| Loan loss allowance to noncurrent loans | 46.0979% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 6.8481% | 795 |
| Noncurrent loans to loans | 6.9101% | 815 |
| Net loans and leases to total assets | 74.4944% | 1,270 |
| Net loans and leases to deposits | 84.5834% | 1,942 |
| Net loans and leases to core deposits | 92.2944% | 2,093 |
| Total domestic deposits to total assets | 88.0721% | 2,337 |
| Equity capital to assets | 9.9089% | 3,890 |
| Core capital (leverage) ratio | 9.3626% | 4,029 |
| Tier 1 risk-based capital ratio | 12.4052% | 5,347 |
| Total risk-based capital ratio | 13.6806% | 5,309 |
| Memoranda: | ||
| Average total assets | $789,493,000 | 854 |
| Average earning assets | $731,023,000 | 837 |
| Average equity | $78,033,500 | 858 |
| Average total loans | $615,731,000 | 697 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7997% | 1,277 |
| Cost of funding earning assets | 1.1566% | 4,812 |
| Net interest margin | 4.6431% | 923 |
| Noninterest income to average assets | 0.9836% | 1,562 |
| Noninterest expense to average assets | 3.2260% | 2,995 |
| Loan and lease loss provision to assets | 2.7445% | 378 |
| Net operating income to assets | -0.3864% | 6,299 |
| Return on assets (ROA) | -0.2527% | 6,222 |
| Pretax return on assets | -0.4579% | 6,290 |
| Return on Equity (ROE) | -2.4385% | 6,225 |
| Retained earnings to average equity (ytd only) | -8.5743% | 6,568 |
| Net charge-offs to loans | 2.5836% | 718 |
| Credit loss provision to net charge-offs | 131.6534% | 2,997 |
| Earnings coverage of net charge-offs (x) | 0.9967% | 5,114 |
| Efficiency ratio | 60.7512% | 5,931 |
| Assets per employee ($millions) | 2.8139% | 6,503 |
| Cash dividends to net income (ytd only)* | -251.6176% | 7,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0132% | 861 |
| Loan loss allowance to noncurrent loans | 42.7857% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 7.0350% | 772 |
| Noncurrent loans to loans | 7.0425% | 797 |
| Net loans and leases to total assets | 76.6513% | 1,150 |
| Net loans and leases to deposits | 87.6718% | 1,838 |
| Net loans and leases to core deposits | 95.4959% | 2,071 |
| Total domestic deposits to total assets | 87.4298% | 2,595 |
| Equity capital to assets | 9.8592% | 3,928 |
| Core capital (leverage) ratio | 9.0745% | 4,404 |
| Tier 1 risk-based capital ratio | 12.1395% | 5,346 |
| Total risk-based capital ratio | 13.4132% | 5,303 |
| Memoranda: | ||
| Average total assets | $807,132,600 | 839 |
| Average earning assets | $751,004,600 | 812 |
| Average equity | $83,657,400 | 794 |
| Average total loans | $651,258,200 | 674 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8324% | 1,303 |
| Cost of funding earning assets | 1.1656% | 5,058 |
| Net interest margin | 4.6668% | 914 |
| Noninterest income to average assets | 1.0675% | 1,257 |
| Noninterest expense to average assets | 3.2031% | 2,918 |
| Loan and lease loss provision to assets | 1.4016% | 960 |
| Net operating income to assets | 0.5089% | 4,278 |
| Return on assets (ROA) | 0.6808% | 3,665 |
| Pretax return on assets | 1.0750% | 2,911 |
| Return on Equity (ROE) | 6.4908% | 3,582 |
| Retained earnings to average equity (ytd only) | -1.4245% | 6,088 |
| Net charge-offs to loans | 2.8008% | 583 |
| Credit loss provision to net charge-offs | 61.7121% | 5,645 |
| Earnings coverage of net charge-offs (x) | 0.9722% | 5,089 |
| Efficiency ratio | 59.1210% | 6,091 |
| Assets per employee ($millions) | 2.8593% | 6,468 |
| Cash dividends to net income (ytd only)* | 121.9459% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 5,153 |
| Loan loss allowance to noncurrent loans | 22.2087% | 6,805 |
| Noncurrent assets plus other real estate owned to assets | 5.6328% | 1,087 |
| Noncurrent loans to loans | 5.6833% | 1,155 |
| Net loans and leases to total assets | 79.3993% | 840 |
| Net loans and leases to deposits | 92.1218% | 1,429 |
| Net loans and leases to core deposits | 100.4129% | 1,816 |
| Total domestic deposits to total assets | 86.1894% | 2,979 |
| Equity capital to assets | 10.5742% | 3,440 |
| Core capital (leverage) ratio | 9.8792% | 3,384 |
| Tier 1 risk-based capital ratio | 12.5160% | 4,968 |
| Total risk-based capital ratio | 13.7669% | 4,942 |
| Memoranda: | ||
| Average total assets | $811,239,500 | 836 |
| Average earning assets | $755,076,250 | 811 |
| Average equity | $85,082,500 | 776 |
| Average total loans | $657,843,750 | 661 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8348% | 1,334 |
| Cost of funding earning assets | 1.1830% | 5,220 |
| Net interest margin | 4.6518% | 889 |
| Noninterest income to average assets | 0.9878% | 1,413 |
| Noninterest expense to average assets | 3.1641% | 3,036 |
| Loan and lease loss provision to assets | 1.1230% | 1,279 |
| Net operating income to assets | 0.6207% | 3,779 |
| Return on assets (ROA) | 0.7685% | 3,260 |
| Pretax return on assets | 1.2595% | 2,229 |
| Return on Equity (ROE) | 7.3479% | 3,166 |
| Retained earnings to average equity (ytd only) | -2.2750% | 6,192 |
| Net charge-offs to loans | 3.0783% | 507 |
| Credit loss provision to net charge-offs | 44.8632% | 5,525 |
| Earnings coverage of net charge-offs (x) | 0.8595% | 4,908 |
| Efficiency ratio | 59.4513% | 6,152 |
| Assets per employee ($millions) | 2.8727% | 6,408 |
| Cash dividends to net income (ytd only)* | 130.9615% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 5,396 |
| Loan loss allowance to noncurrent loans | 21.6608% | 6,865 |
| Noncurrent assets plus other real estate owned to assets | 5.5459% | 1,106 |
| Noncurrent loans to loans | 5.5872% | 1,178 |
| Net loans and leases to total assets | 79.6128% | 860 |
| Net loans and leases to deposits | 92.3672% | 1,471 |
| Net loans and leases to core deposits | 100.9283% | 1,925 |
| Total domestic deposits to total assets | 86.1916% | 2,982 |
| Equity capital to assets | 10.5529% | 3,343 |
| Core capital (leverage) ratio | 9.9719% | 3,196 |
| Tier 1 risk-based capital ratio | 12.3502% | 4,992 |
| Total risk-based capital ratio | 13.6004% | 4,974 |
| Memoranda: | ||
| Average total assets | $811,924,330 | 839 |
| Average earning assets | $755,363,330 | 816 |
| Average equity | $84,921,670 | 771 |
| Average total loans | $660,225,000 | 662 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9327% | 1,123 |
| Cost of funding earning assets | 1.2139% | 5,323 |
| Net interest margin | 4.7188% | 749 |
| Noninterest income to average assets | 0.9655% | 1,403 |
| Noninterest expense to average assets | 3.1047% | 3,248 |
| Loan and lease loss provision to assets | 1.2214% | 997 |
| Net operating income to assets | 0.6214% | 3,795 |
| Return on assets (ROA) | 0.7726% | 3,204 |
| Pretax return on assets | 1.2623% | 2,163 |
| Return on Equity (ROE) | 7.4199% | 3,152 |
| Retained earnings to average equity (ytd only) | -2.2874% | 6,254 |
| Net charge-offs to loans | 1.6659% | 1,042 |
| Credit loss provision to net charge-offs | 89.7649% | 3,665 |
| Earnings coverage of net charge-offs (x) | 1.6517% | 3,744 |
| Efficiency ratio | 57.9349% | 6,494 |
| Assets per employee ($millions) | 2.7465% | 6,767 |
| Cash dividends to net income (ytd only)* | 130.8280% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0168% | 2,142 |
| Loan loss allowance to noncurrent loans | 46.1450% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 4.6337% | 1,442 |
| Noncurrent loans to loans | 4.3707% | 1,728 |
| Net loans and leases to total assets | 80.3663% | 788 |
| Net loans and leases to deposits | 93.4363% | 1,415 |
| Net loans and leases to core deposits | 101.7249% | 1,949 |
| Total domestic deposits to total assets | 86.0118% | 3,147 |
| Equity capital to assets | 10.5668% | 3,182 |
| Core capital (leverage) ratio | 9.9291% | 3,254 |
| Tier 1 risk-based capital ratio | 12.4740% | 4,781 |
| Total risk-based capital ratio | 13.7344% | 4,718 |
| Memoranda: | ||
| Average total assets | $812,831,000 | 853 |
| Average earning assets | $755,608,000 | 833 |
| Average equity | $84,637,500 | 780 |
| Average total loans | $663,911,000 | 680 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1865% | 1,268 |
| Cost of funding earning assets | 1.9450% | 3,234 |
| Net interest margin | 4.2415% | 1,928 |
| Noninterest income to average assets | 1.0038% | 1,559 |
| Noninterest expense to average assets | 2.8769% | 4,623 |
| Loan and lease loss provision to assets | 0.8330% | 2,639 |
| Net operating income to assets | 0.7814% | 2,599 |
| Return on assets (ROA) | 0.8496% | 2,433 |
| Pretax return on assets | 1.3734% | 1,495 |
| Return on Equity (ROE) | 8.5309% | 2,185 |
| Retained earnings to average equity (ytd only) | -0.5464% | 5,123 |
| Net charge-offs to loans | 0.7511% | 2,948 |
| Credit loss provision to net charge-offs | 133.1355% | 3,752 |
| Earnings coverage of net charge-offs (x) | 3.3562% | 3,379 |
| Efficiency ratio | 57.7346% | 6,800 |
| Assets per employee ($millions) | 2.9728% | 6,293 |
| Cash dividends to net income (ytd only)* | 106.4045% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0086% | 1,998 |
| Loan loss allowance to noncurrent loans | 113.1273% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 2.7223% | 2,569 |
| Noncurrent loans to loans | 1.7756% | 3,970 |
| Net loans and leases to total assets | 79.7145% | 1,044 |
| Net loans and leases to deposits | 95.2607% | 1,422 |
| Net loans and leases to core deposits | 140.9581% | 778 |
| Total domestic deposits to total assets | 83.6803% | 4,185 |
| Equity capital to assets | 10.2636% | 3,443 |
| Core capital (leverage) ratio | 9.5563% | 3,653 |
| Tier 1 risk-based capital ratio | 12.2564% | 4,720 |
| Total risk-based capital ratio | 13.5169% | 4,674 |
| Memoranda: | ||
| Average total assets | $861,955,000 | 789 |
| Average earning assets | $807,400,600 | 752 |
| Average equity | $85,841,000 | 744 |
| Average total loans | $718,048,400 | 644 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1755% | 1,434 |
| Cost of funding earning assets | 2.0867% | 2,949 |
| Net interest margin | 4.0888% | 2,449 |
| Noninterest income to average assets | 0.9940% | 1,628 |
| Noninterest expense to average assets | 2.8586% | 4,625 |
| Loan and lease loss provision to assets | 0.6859% | 2,683 |
| Net operating income to assets | 0.7854% | 2,880 |
| Return on assets (ROA) | 0.8753% | 2,592 |
| Pretax return on assets | 1.4268% | 1,630 |
| Return on Equity (ROE) | 8.8535% | 2,317 |
| Retained earnings to average equity (ytd only) | -0.1951% | 5,260 |
| Net charge-offs to loans | 0.7039% | 2,586 |
| Credit loss provision to net charge-offs | 116.3334% | 4,366 |
| Earnings coverage of net charge-offs (x) | 3.3448% | 3,566 |
| Efficiency ratio | 59.0993% | 6,552 |
| Assets per employee ($millions) | 2.9808% | 6,214 |
| Cash dividends to net income (ytd only)* | 102.2039% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7748% | 2,368 |
| Loan loss allowance to noncurrent loans | 89.7160% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 3.0738% | 2,239 |
| Noncurrent loans to loans | 1.9782% | 3,673 |
| Net loans and leases to total assets | 79.9705% | 1,177 |
| Net loans and leases to deposits | 95.3778% | 1,662 |
| Net loans and leases to core deposits | 142.5869% | 816 |
| Total domestic deposits to total assets | 83.8460% | 3,796 |
| Equity capital to assets | 10.0773% | 3,987 |
| Core capital (leverage) ratio | 9.3345% | 4,132 |
| Tier 1 risk-based capital ratio | 11.9441% | 5,023 |
| Total risk-based capital ratio | 13.2032% | 4,952 |
| Memoranda: | ||
| Average total assets | $870,834,750 | 792 |
| Average earning assets | $817,172,000 | 758 |
| Average equity | $86,095,750 | 752 |
| Average total loans | $729,487,250 | 650 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1871% | 1,501 |
| Cost of funding earning assets | 2.1757% | 2,908 |
| Net interest margin | 4.0114% | 2,656 |
| Noninterest income to average assets | 1.0019% | 1,591 |
| Noninterest expense to average assets | 2.7828% | 5,034 |
| Loan and lease loss provision to assets | 0.7344% | 2,232 |
| Net operating income to assets | 0.7669% | 2,983 |
| Return on assets (ROA) | 0.9009% | 2,557 |
| Pretax return on assets | 1.4607% | 1,561 |
| Return on Equity (ROE) | 9.1692% | 2,299 |
| Retained earnings to average equity (ytd only) | 0.1277% | 5,152 |
| Net charge-offs to loans | 0.8585% | 1,972 |
| Credit loss provision to net charge-offs | 101.1942% | 4,514 |
| Earnings coverage of net charge-offs (x) | 2.7363% | 3,715 |
| Efficiency ratio | 58.2811% | 6,817 |
| Assets per employee ($millions) | 3.0752% | 5,929 |
| Cash dividends to net income (ytd only)* | 98.6076% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6307% | 2,611 |
| Loan loss allowance to noncurrent loans | 88.4056% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 2.6822% | 2,394 |
| Noncurrent loans to loans | 1.8446% | 3,744 |
| Net loans and leases to total assets | 80.1513% | 1,289 |
| Net loans and leases to deposits | 96.3090% | 1,745 |
| Net loans and leases to core deposits | 140.9254% | 974 |
| Total domestic deposits to total assets | 83.2231% | 4,138 |
| Equity capital to assets | 9.6721% | 4,392 |
| Core capital (leverage) ratio | 9.1543% | 4,375 |
| Tier 1 risk-based capital ratio | 11.6236% | 5,266 |
| Total risk-based capital ratio | 12.8794% | 5,197 |
| Memoranda: | ||
| Average total assets | $876,947,670 | 801 |
| Average earning assets | $823,452,000 | 774 |
| Average equity | $86,158,000 | 765 |
| Average total loans | $741,295,330 | 656 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2403% | 1,477 |
| Cost of funding earning assets | 2.2021% | 3,158 |
| Net interest margin | 4.0382% | 2,497 |
| Noninterest income to average assets | 0.9152% | 1,792 |
| Noninterest expense to average assets | 2.6815% | 5,095 |
| Loan and lease loss provision to assets | 0.6956% | 1,818 |
| Net operating income to assets | 0.8222% | 3,034 |
| Return on assets (ROA) | 0.9587% | 2,611 |
| Pretax return on assets | 1.5435% | 1,547 |
| Return on Equity (ROE) | 9.6818% | 2,454 |
| Retained earnings to average equity (ytd only) | 0.6793% | 5,388 |
| Net charge-offs to loans | 1.2164% | 1,147 |
| Credit loss provision to net charge-offs | 66.4336% | 4,412 |
| Earnings coverage of net charge-offs (x) | 1.9349% | 3,750 |
| Efficiency ratio | 56.8873% | 6,848 |
| Assets per employee ($millions) | 3.1473% | 5,745 |
| Cash dividends to net income (ytd only)* | 92.9833% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4542% | 3,207 |
| Loan loss allowance to noncurrent loans | 86.2444% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 2.6500% | 2,165 |
| Noncurrent loans to loans | 1.6861% | 3,727 |
| Net loans and leases to total assets | 84.2525% | 651 |
| Net loans and leases to deposits | 101.8769% | 1,190 |
| Net loans and leases to core deposits | 145.6648% | 878 |
| Total domestic deposits to total assets | 82.7003% | 4,287 |
| Equity capital to assets | 9.8829% | 4,140 |
| Core capital (leverage) ratio | 9.1727% | 4,446 |
| Tier 1 risk-based capital ratio | 11.4096% | 5,497 |
| Total risk-based capital ratio | 12.6637% | 5,396 |
| Memoranda: | ||
| Average total assets | $874,127,500 | 805 |
| Average earning assets | $820,857,500 | 777 |
| Average equity | $86,554,500 | 766 |
| Average total loans | $752,376,500 | 654 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1332% | 851 |
| Cost of funding earning assets | 2.6909% | 3,200 |
| Net interest margin | 4.4423% | 1,553 |
| Noninterest income to average assets | 0.9840% | 1,628 |
| Noninterest expense to average assets | 2.6308% | 5,532 |
| Loan and lease loss provision to assets | 0.4506% | 3,037 |
| Net operating income to assets | 1.2722% | 1,563 |
| Return on assets (ROA) | 1.2792% | 1,495 |
| Pretax return on assets | 2.0814% | 505 |
| Return on Equity (ROE) | 13.3616% | 1,248 |
| Retained earnings to average equity (ytd only) | 4.2851% | 2,449 |
| Net charge-offs to loans | 0.2565% | 3,707 |
| Credit loss provision to net charge-offs | 204.7595% | 2,374 |
| Earnings coverage of net charge-offs (x) | 11.4567% | 2,370 |
| Efficiency ratio | 50.9981% | 7,586 |
| Assets per employee ($millions) | 3.1989% | 5,487 |
| Cash dividends to net income (ytd only)* | 67.9296% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5353% | 2,525 |
| Loan loss allowance to noncurrent loans | 73.3830% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 2.6959% | 1,762 |
| Noncurrent loans to loans | 2.0922% | 2,641 |
| Net loans and leases to total assets | 85.3184% | 682 |
| Net loans and leases to deposits | 103.4096% | 1,412 |
| Net loans and leases to core deposits | 145.1231% | 1,047 |
| Total domestic deposits to total assets | 82.5053% | 3,990 |
| Equity capital to assets | 9.9207% | 4,130 |
| Core capital (leverage) ratio | 9.1961% | 4,448 |
| Tier 1 risk-based capital ratio | 11.1093% | 5,633 |
| Total risk-based capital ratio | 12.3642% | 5,512 |
| Memoranda: | ||
| Average total assets | $897,528,600 | 742 |
| Average earning assets | $842,065,200 | 718 |
| Average equity | $85,925,200 | 777 |
| Average total loans | $770,119,000 | 620 |