Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9756% | 3,861 |
| Cost of funding earning assets | 0.8793% | 1,973 |
| Net interest margin | 3.0963% | 4,106 |
| Noninterest income to average assets | 0.8404% | 1,190 |
| Noninterest expense to average assets | 2.8715% | 2,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7640% | 3,039 |
| Return on assets (ROA) | 0.7640% | 3,117 |
| Pretax return on assets | 0.7640% | 3,508 |
| Return on Equity (ROE) | 6.5690% | 3,108 |
| Retained earnings to average equity (ytd only) | 6.5690% | 1,689 |
| Net charge-offs to loans | -1.0304% | 5,056 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9842% | 1,237 |
| Assets per employee ($millions) | 4.7980% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6244% | 1,007 |
| Loan loss allowance to noncurrent loans | 143.0841% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.5575% | 2,324 |
| Noncurrent loans to loans | 1.1353% | 1,463 |
| Net loans and leases to total assets | 48.3107% | 4,318 |
| Net loans and leases to deposits | 58.2942% | 4,278 |
| Net loans and leases to core deposits | 64.1649% | 4,158 |
| Total domestic deposits to total assets | 82.8739% | 3,148 |
| Equity capital to assets | 11.6180% | 2,348 |
| Core capital (leverage) ratio | 11.8891% | 1,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,472,500 | 2,969 |
| Average earning assets | $170,138,000 | 3,024 |
| Average equity | $21,921,000 | 3,000 |
| Average total loans | $95,111,500 | 3,299 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9261% | 4,383 |
| Cost of funding earning assets | 0.8710% | 2,326 |
| Net interest margin | 3.0551% | 4,442 |
| Noninterest income to average assets | 0.8847% | 1,204 |
| Noninterest expense to average assets | 3.2260% | 1,458 |
| Loan and lease loss provision to assets | -0.2731% | 5,142 |
| Net operating income to assets | 0.6750% | 3,937 |
| Return on assets (ROA) | 0.6739% | 4,010 |
| Pretax return on assets | 0.6739% | 4,272 |
| Return on Equity (ROE) | 5.9765% | 3,928 |
| Retained earnings to average equity (ytd only) | -0.3197% | 4,744 |
| Net charge-offs to loans | -0.0880% | 4,935 |
| Credit loss provision to net charge-offs | 666.6667% | 473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9207% | 396 |
| Assets per employee ($millions) | 4.6257% | 3,052 |
| Cash dividends to net income (ytd only)* | 105.3485% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 1,744 |
| Loan loss allowance to noncurrent loans | 99.6899% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.6972% | 1,855 |
| Noncurrent loans to loans | 1.3441% | 1,110 |
| Net loans and leases to total assets | 51.1758% | 4,274 |
| Net loans and leases to deposits | 62.3906% | 4,175 |
| Net loans and leases to core deposits | 69.6550% | 3,978 |
| Total domestic deposits to total assets | 82.0248% | 3,507 |
| Equity capital to assets | 11.6442% | 2,390 |
| Core capital (leverage) ratio | 11.6962% | 1,962 |
| Tier 1 risk-based capital ratio | 17.1657% | 2,003 |
| Total risk-based capital ratio | 18.1802% | 2,021 |
| Memoranda: | ||
| Average total assets | $183,105,000 | 2,978 |
| Average earning assets | $164,414,400 | 3,045 |
| Average equity | $20,647,400 | 3,075 |
| Average total loans | $85,236,800 | 3,494 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8568% | 4,598 |
| Cost of funding earning assets | 0.8599% | 2,415 |
| Net interest margin | 2.9969% | 4,627 |
| Noninterest income to average assets | 0.8790% | 1,193 |
| Noninterest expense to average assets | 3.2525% | 1,372 |
| Loan and lease loss provision to assets | -0.3650% | 5,235 |
| Net operating income to assets | 0.6812% | 4,072 |
| Return on assets (ROA) | 0.6797% | 4,140 |
| Pretax return on assets | 0.6797% | 4,386 |
| Return on Equity (ROE) | 6.0780% | 4,016 |
| Retained earnings to average equity (ytd only) | 0.8552% | 4,602 |
| Net charge-offs to loans | -0.0824% | 4,955 |
| Credit loss provision to net charge-offs | 980.3922% | 362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1416% | 295 |
| Assets per employee ($millions) | 4.4055% | 3,334 |
| Cash dividends to net income (ytd only)* | 85.9293% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 1,704 |
| Loan loss allowance to noncurrent loans | 94.0432% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.7258% | 1,887 |
| Noncurrent loans to loans | 1.4515% | 1,050 |
| Net loans and leases to total assets | 49.3234% | 4,461 |
| Net loans and leases to deposits | 60.1299% | 4,379 |
| Net loans and leases to core deposits | 67.2206% | 4,205 |
| Total domestic deposits to total assets | 82.0280% | 3,472 |
| Equity capital to assets | 11.6926% | 2,516 |
| Core capital (leverage) ratio | 11.9109% | 1,913 |
| Tier 1 risk-based capital ratio | 19.6486% | 1,429 |
| Total risk-based capital ratio | 20.7790% | 1,422 |
| Memoranda: | ||
| Average total assets | $182,624,500 | 3,016 |
| Average earning assets | $163,897,000 | 3,081 |
| Average equity | $20,423,000 | 3,118 |
| Average total loans | $82,552,250 | 3,585 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8109% | 4,702 |
| Cost of funding earning assets | 0.8362% | 2,470 |
| Net interest margin | 2.9747% | 4,727 |
| Noninterest income to average assets | 0.8734% | 1,143 |
| Noninterest expense to average assets | 3.3373% | 1,217 |
| Loan and lease loss provision to assets | -0.5500% | 5,294 |
| Net operating income to assets | 0.7546% | 3,810 |
| Return on assets (ROA) | 0.7568% | 3,869 |
| Pretax return on assets | 0.7568% | 4,200 |
| Return on Equity (ROE) | 6.8735% | 3,724 |
| Retained earnings to average equity (ytd only) | -1.1189% | 4,838 |
| Net charge-offs to loans | -0.1287% | 5,052 |
| Credit loss provision to net charge-offs | 980.3922% | 354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2236% | 235 |
| Assets per employee ($millions) | 3.9353% | 3,960 |
| Cash dividends to net income (ytd only)* | 116.2791% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 1,356 |
| Loan loss allowance to noncurrent loans | 111.0818% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 2,186 |
| Noncurrent loans to loans | 1.3251% | 1,182 |
| Net loans and leases to total assets | 45.7077% | 4,652 |
| Net loans and leases to deposits | 56.1100% | 4,588 |
| Net loans and leases to core deposits | 63.3233% | 4,440 |
| Total domestic deposits to total assets | 81.4609% | 3,676 |
| Equity capital to assets | 11.4295% | 2,673 |
| Core capital (leverage) ratio | 12.0766% | 1,775 |
| Tier 1 risk-based capital ratio | 17.7947% | 1,857 |
| Total risk-based capital ratio | 18.8298% | 1,873 |
| Memoranda: | ||
| Average total assets | $181,822,000 | 3,033 |
| Average earning assets | $163,109,670 | 3,100 |
| Average equity | $20,019,000 | 3,147 |
| Average total loans | $79,227,330 | 3,673 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8161% | 4,688 |
| Cost of funding earning assets | 0.8128% | 2,461 |
| Net interest margin | 3.0033% | 4,743 |
| Noninterest income to average assets | 0.7944% | 1,304 |
| Noninterest expense to average assets | 3.3708% | 1,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1132% | 5,083 |
| Return on assets (ROA) | 0.1176% | 5,086 |
| Pretax return on assets | 0.1176% | 5,092 |
| Return on Equity (ROE) | 1.0895% | 5,058 |
| Retained earnings to average equity (ytd only) | -15.3558% | 5,210 |
| Net charge-offs to loans | -0.1580% | 5,132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7516% | 217 |
| Assets per employee ($millions) | 3.8309% | 4,147 |
| Cash dividends to net income (ytd only)* | 1,509.4340% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2982% | 301 |
| Loan loss allowance to noncurrent loans | 58.0667% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.6662% | 668 |
| Noncurrent loans to loans | 3.9579% | 197 |
| Net loans and leases to total assets | 41.1299% | 4,857 |
| Net loans and leases to deposits | 48.5999% | 4,865 |
| Net loans and leases to core deposits | 54.6285% | 4,760 |
| Total domestic deposits to total assets | 84.6296% | 2,808 |
| Equity capital to assets | 10.9201% | 2,930 |
| Core capital (leverage) ratio | 11.7756% | 1,922 |
| Tier 1 risk-based capital ratio | 18.2600% | 1,726 |
| Total risk-based capital ratio | 19.5128% | 1,680 |
| Memoranda: | ||
| Average total assets | $180,253,000 | 3,086 |
| Average earning assets | $161,422,500 | 3,153 |
| Average equity | $19,458,500 | 3,204 |
| Average total loans | $75,939,000 | 3,767 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5863% | 4,811 |
| Cost of funding earning assets | 0.6095% | 2,648 |
| Net interest margin | 2.9768% | 4,826 |
| Noninterest income to average assets | 0.8302% | 1,370 |
| Noninterest expense to average assets | 3.2937% | 1,338 |
| Loan and lease loss provision to assets | -0.2812% | 5,357 |
| Net operating income to assets | 0.4933% | 4,673 |
| Return on assets (ROA) | 0.4938% | 4,680 |
| Pretax return on assets | 0.4938% | 4,807 |
| Return on Equity (ROE) | 4.6980% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.1629% | 3,268 |
| Net charge-offs to loans | -0.6041% | 5,350 |
| Credit loss provision to net charge-offs | 109.8901% | 2,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9515% | 242 |
| Assets per employee ($millions) | 3.8394% | 4,116 |
| Cash dividends to net income (ytd only)* | 11.3895% | 3,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2503% | 300 |
| Loan loss allowance to noncurrent loans | 55.0482% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.7235% | 620 |
| Noncurrent loans to loans | 4.0878% | 179 |
| Net loans and leases to total assets | 41.2121% | 4,905 |
| Net loans and leases to deposits | 49.2458% | 4,909 |
| Net loans and leases to core deposits | 54.8574% | 4,819 |
| Total domestic deposits to total assets | 83.6865% | 3,087 |
| Equity capital to assets | 10.6704% | 3,015 |
| Core capital (leverage) ratio | 12.2480% | 1,591 |
| Tier 1 risk-based capital ratio | 18.7919% | 1,550 |
| Total risk-based capital ratio | 20.0439% | 1,514 |
| Memoranda: | ||
| Average total assets | $177,796,600 | 3,076 |
| Average earning assets | $159,804,800 | 3,142 |
| Average equity | $18,688,800 | 3,217 |
| Average total loans | $75,320,800 | 3,763 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5325% | 4,898 |
| Cost of funding earning assets | 0.5578% | 2,805 |
| Net interest margin | 2.9748% | 4,881 |
| Noninterest income to average assets | 0.8250% | 1,394 |
| Noninterest expense to average assets | 3.3443% | 1,211 |
| Loan and lease loss provision to assets | -0.3764% | 5,443 |
| Net operating income to assets | 0.5307% | 4,695 |
| Return on assets (ROA) | 0.5307% | 4,698 |
| Pretax return on assets | 0.5307% | 4,856 |
| Return on Equity (ROE) | 5.0680% | 4,536 |
| Retained earnings to average equity (ytd only) | 4.3492% | 3,582 |
| Net charge-offs to loans | -0.5750% | 5,410 |
| Credit loss provision to net charge-offs | 154.3210% | 1,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5895% | 210 |
| Assets per employee ($millions) | 3.7702% | 4,215 |
| Cash dividends to net income (ytd only)* | 14.1843% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0206% | 467 |
| Loan loss allowance to noncurrent loans | 48.7956% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.9024% | 582 |
| Noncurrent loans to loans | 4.1409% | 195 |
| Net loans and leases to total assets | 43.2369% | 4,907 |
| Net loans and leases to deposits | 51.4443% | 4,902 |
| Net loans and leases to core deposits | 56.6863% | 4,827 |
| Total domestic deposits to total assets | 84.0461% | 2,925 |
| Equity capital to assets | 10.3726% | 3,261 |
| Core capital (leverage) ratio | 12.3606% | 1,574 |
| Tier 1 risk-based capital ratio | 18.5119% | 1,665 |
| Total risk-based capital ratio | 19.7628% | 1,622 |
| Memoranda: | ||
| Average total assets | $177,132,750 | 3,105 |
| Average earning assets | $159,201,750 | 3,175 |
| Average equity | $18,547,250 | 3,255 |
| Average total loans | $75,131,000 | 3,809 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4792% | 4,945 |
| Cost of funding earning assets | 0.5184% | 2,862 |
| Net interest margin | 2.9608% | 4,932 |
| Noninterest income to average assets | 0.8390% | 1,353 |
| Noninterest expense to average assets | 3.2714% | 1,385 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2315% | 5,198 |
| Return on assets (ROA) | 0.2315% | 5,192 |
| Pretax return on assets | 0.2315% | 5,216 |
| Return on Equity (ROE) | 2.2039% | 5,154 |
| Retained earnings to average equity (ytd only) | 2.2039% | 4,399 |
| Net charge-offs to loans | -0.7988% | 5,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3914% | 275 |
| Assets per employee ($millions) | 3.8760% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6165% | 219 |
| Loan loss allowance to noncurrent loans | 56.4011% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 2.1631% | 464 |
| Noncurrent loans to loans | 4.6391% | 159 |
| Net loans and leases to total assets | 43.8075% | 4,916 |
| Net loans and leases to deposits | 51.0871% | 4,947 |
| Net loans and leases to core deposits | 55.6150% | 4,880 |
| Total domestic deposits to total assets | 85.7507% | 2,394 |
| Equity capital to assets | 10.4660% | 3,160 |
| Core capital (leverage) ratio | 12.1087% | 1,645 |
| Tier 1 risk-based capital ratio | 18.1701% | 1,759 |
| Total risk-based capital ratio | 19.4262% | 1,710 |
| Memoranda: | ||
| Average total assets | $177,111,000 | 3,128 |
| Average earning assets | $159,346,670 | 3,196 |
| Average equity | $18,603,000 | 3,265 |
| Average total loans | $74,109,670 | 3,847 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3193% | 5,115 |
| Cost of funding earning assets | 0.5040% | 2,765 |
| Net interest margin | 2.8153% | 5,143 |
| Noninterest income to average assets | 0.8562% | 1,277 |
| Noninterest expense to average assets | 3.1941% | 1,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2040% | 5,236 |
| Return on assets (ROA) | 0.2040% | 5,234 |
| Pretax return on assets | 0.2040% | 5,258 |
| Return on Equity (ROE) | 1.9385% | 5,190 |
| Retained earnings to average equity (ytd only) | 1.9385% | 4,369 |
| Net charge-offs to loans | 0.5060% | 299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 2,598 |
| Efficiency ratio | 93.9974% | 298 |
| Assets per employee ($millions) | 4.1093% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2494% | 353 |
| Loan loss allowance to noncurrent loans | 40.8534% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 2.3079% | 435 |
| Noncurrent loans to loans | 5.5061% | 121 |
| Net loans and leases to total assets | 40.9719% | 5,032 |
| Net loans and leases to deposits | 47.5930% | 5,052 |
| Net loans and leases to core deposits | 51.7121% | 4,991 |
| Total domestic deposits to total assets | 86.0882% | 2,514 |
| Equity capital to assets | 10.3379% | 3,231 |
| Core capital (leverage) ratio | 11.9609% | 1,672 |
| Tier 1 risk-based capital ratio | 18.0988% | 1,806 |
| Total risk-based capital ratio | 19.3509% | 1,755 |
| Memoranda: | ||
| Average total assets | $178,455,500 | 3,144 |
| Average earning assets | $161,119,500 | 3,207 |
| Average equity | $18,777,000 | 3,276 |
| Average total loans | $71,933,000 | 3,929 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2701% | 5,121 |
| Cost of funding earning assets | 0.4894% | 2,431 |
| Net interest margin | 2.7807% | 5,195 |
| Noninterest income to average assets | 0.9420% | 1,160 |
| Noninterest expense to average assets | 3.2121% | 1,583 |
| Loan and lease loss provision to assets | 0.1215% | 1,886 |
| Net operating income to assets | 0.0869% | 5,271 |
| Return on assets (ROA) | 0.0869% | 5,278 |
| Pretax return on assets | 0.0869% | 5,385 |
| Return on Equity (ROE) | 0.8191% | 5,261 |
| Retained earnings to average equity (ytd only) | 0.3104% | 4,902 |
| Net charge-offs to loans | 0.8357% | 235 |
| Credit loss provision to net charge-offs | 37.0066% | 3,467 |
| Earnings coverage of net charge-offs (x) | 0.6349% | 3,978 |
| Efficiency ratio | 93.9078% | 296 |
| Assets per employee ($millions) | 4.1910% | 3,673 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5157% | 240 |
| Loan loss allowance to noncurrent loans | 38.0994% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 2.5897% | 351 |
| Noncurrent loans to loans | 6.6029% | 71 |
| Net loans and leases to total assets | 37.7594% | 5,229 |
| Net loans and leases to deposits | 44.6975% | 5,227 |
| Net loans and leases to core deposits | 48.3488% | 5,182 |
| Total domestic deposits to total assets | 84.4777% | 3,044 |
| Equity capital to assets | 10.7024% | 2,941 |
| Core capital (leverage) ratio | 11.4908% | 1,946 |
| Tier 1 risk-based capital ratio | 18.5340% | 1,640 |
| Total risk-based capital ratio | 19.7872% | 1,591 |
| Memoranda: | ||
| Average total assets | $185,239,600 | 3,066 |
| Average earning assets | $165,103,600 | 3,140 |
| Average equity | $19,655,200 | 3,183 |
| Average total loans | $72,753,800 | 3,903 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2621% | 5,157 |
| Cost of funding earning assets | 0.4869% | 2,374 |
| Net interest margin | 2.7752% | 5,258 |
| Noninterest income to average assets | 1.0466% | 933 |
| Noninterest expense to average assets | 3.2236% | 1,508 |
| Loan and lease loss provision to assets | 0.1609% | 1,273 |
| Net operating income to assets | 0.1315% | 5,416 |
| Return on assets (ROA) | 0.1308% | 5,423 |
| Pretax return on assets | 0.1308% | 5,438 |
| Return on Equity (ROE) | 1.2356% | 5,403 |
| Retained earnings to average equity (ytd only) | 1.2356% | 4,911 |
| Net charge-offs to loans | 1.0704% | 159 |
| Credit loss provision to net charge-offs | 38.1356% | 3,009 |
| Earnings coverage of net charge-offs (x) | 0.6932% | 3,643 |
| Efficiency ratio | 91.6836% | 350 |
| Assets per employee ($millions) | 4.0099% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6790% | 212 |
| Loan loss allowance to noncurrent loans | 41.3287% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 2.4190% | 464 |
| Noncurrent loans to loans | 6.4821% | 85 |
| Net loans and leases to total assets | 34.9187% | 5,385 |
| Net loans and leases to deposits | 40.6802% | 5,401 |
| Net loans and leases to core deposits | 44.1908% | 5,360 |
| Total domestic deposits to total assets | 85.8371% | 2,374 |
| Equity capital to assets | 10.8797% | 2,975 |
| Core capital (leverage) ratio | 11.8159% | 1,809 |
| Tier 1 risk-based capital ratio | 19.8733% | 1,385 |
| Total risk-based capital ratio | 21.1276% | 1,350 |
| Memoranda: | ||
| Average total assets | $186,496,500 | 3,082 |
| Average earning assets | $165,940,500 | 3,151 |
| Average equity | $19,747,250 | 3,191 |
| Average total loans | $73,491,500 | 3,919 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3561% | 5,024 |
| Cost of funding earning assets | 0.4879% | 2,269 |
| Net interest margin | 2.8682% | 5,144 |
| Noninterest income to average assets | 1.1636% | 749 |
| Noninterest expense to average assets | 3.2782% | 1,412 |
| Loan and lease loss provision to assets | 0.2404% | 706 |
| Net operating income to assets | 0.1891% | 5,410 |
| Return on assets (ROA) | 0.1923% | 5,413 |
| Pretax return on assets | 0.1923% | 5,434 |
| Return on Equity (ROE) | 1.8330% | 5,363 |
| Retained earnings to average equity (ytd only) | 1.8330% | 4,516 |
| Net charge-offs to loans | 1.6463% | 103 |
| Credit loss provision to net charge-offs | 36.0000% | 2,674 |
| Earnings coverage of net charge-offs (x) | 0.6432% | 3,357 |
| Efficiency ratio | 88.4150% | 528 |
| Assets per employee ($millions) | 4.0094% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5451% | 269 |
| Loan loss allowance to noncurrent loans | 39.5180% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 3.2263% | 273 |
| Noncurrent loans to loans | 6.4403% | 90 |
| Net loans and leases to total assets | 36.8861% | 5,342 |
| Net loans and leases to deposits | 42.9894% | 5,368 |
| Net loans and leases to core deposits | 46.7372% | 5,324 |
| Total domestic deposits to total assets | 85.8028% | 2,471 |
| Equity capital to assets | 11.1654% | 2,639 |
| Core capital (leverage) ratio | 11.6401% | 1,870 |
| Tier 1 risk-based capital ratio | 19.7735% | 1,417 |
| Total risk-based capital ratio | 21.0274% | 1,381 |
| Memoranda: | ||
| Average total assets | $187,177,330 | 3,085 |
| Average earning assets | $166,025,000 | 3,165 |
| Average equity | $19,640,330 | 3,195 |
| Average total loans | $75,928,000 | 3,883 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3968% | 4,928 |
| Cost of funding earning assets | 0.4856% | 2,204 |
| Net interest margin | 2.9112% | 5,066 |
| Noninterest income to average assets | 0.7872% | 1,601 |
| Noninterest expense to average assets | 3.2054% | 1,593 |
| Loan and lease loss provision to assets | 0.3464% | 348 |
| Net operating income to assets | -0.1721% | 5,670 |
| Return on assets (ROA) | -0.1721% | 5,671 |
| Pretax return on assets | -0.1721% | 5,661 |
| Return on Equity (ROE) | -1.6918% | 5,675 |
| Retained earnings to average equity (ytd only) | -1.6918% | 5,145 |
| Net charge-offs to loans | 2.9292% | 53 |
| Credit loss provision to net charge-offs | 28.2534% | 2,126 |
| Earnings coverage of net charge-offs (x) | 0.1421% | 2,842 |
| Efficiency ratio | 94.8447% | 351 |
| Assets per employee ($millions) | 4.1490% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3300% | 397 |
| Loan loss allowance to noncurrent loans | 45.2964% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 3.6791% | 222 |
| Noncurrent loans to loans | 5.1438% | 154 |
| Net loans and leases to total assets | 38.5951% | 5,300 |
| Net loans and leases to deposits | 44.9330% | 5,333 |
| Net loans and leases to core deposits | 48.9531% | 5,263 |
| Total domestic deposits to total assets | 85.8949% | 2,718 |
| Equity capital to assets | 10.4604% | 3,223 |
| Core capital (leverage) ratio | 11.1719% | 2,216 |
| Tier 1 risk-based capital ratio | 18.1833% | 1,808 |
| Total risk-based capital ratio | 19.4361% | 1,780 |
| Memoranda: | ||
| Average total assets | $190,554,500 | 3,086 |
| Average earning assets | $169,691,500 | 3,136 |
| Average equity | $19,388,000 | 3,242 |
| Average total loans | $79,747,500 | 3,815 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6768% | 4,291 |
| Cost of funding earning assets | 0.4269% | 2,740 |
| Net interest margin | 3.2498% | 4,299 |
| Noninterest income to average assets | 0.7542% | 1,941 |
| Noninterest expense to average assets | 3.3096% | 1,553 |
| Loan and lease loss provision to assets | 0.3620% | 460 |
| Net operating income to assets | 0.0021% | 5,642 |
| Return on assets (ROA) | 0.0128% | 5,657 |
| Pretax return on assets | 0.0128% | 5,648 |
| Return on Equity (ROE) | 0.1228% | 5,657 |
| Retained earnings to average equity (ytd only) | -0.5648% | 5,391 |
| Net charge-offs to loans | 1.1235% | 160 |
| Credit loss provision to net charge-offs | 69.3215% | 3,141 |
| Earnings coverage of net charge-offs (x) | 0.6971% | 4,080 |
| Efficiency ratio | 90.0908% | 547 |
| Assets per employee ($millions) | 3.9674% | 4,028 |
| Cash dividends to net income (ytd only)* | 560.0000% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4943% | 316 |
| Loan loss allowance to noncurrent loans | 36.9896% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 2.9917% | 342 |
| Noncurrent loans to loans | 6.7431% | 78 |
| Net loans and leases to total assets | 42.9924% | 5,180 |
| Net loans and leases to deposits | 49.8824% | 5,217 |
| Net loans and leases to core deposits | 54.8120% | 5,106 |
| Total domestic deposits to total assets | 86.1875% | 2,498 |
| Equity capital to assets | 9.9000% | 3,817 |
| Core capital (leverage) ratio | 10.6787% | 2,682 |
| Tier 1 risk-based capital ratio | 15.4748% | 2,758 |
| Total risk-based capital ratio | 16.7285% | 2,691 |
| Memoranda: | ||
| Average total assets | $194,769,400 | 3,011 |
| Average earning assets | $174,962,200 | 3,057 |
| Average equity | $20,359,600 | 3,131 |
| Average total loans | $90,517,600 | 3,566 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7596% | 4,047 |
| Cost of funding earning assets | 0.4130% | 2,903 |
| Net interest margin | 3.3466% | 4,039 |
| Noninterest income to average assets | 0.7657% | 1,912 |
| Noninterest expense to average assets | 3.4383% | 1,269 |
| Loan and lease loss provision to assets | 0.4140% | 342 |
| Net operating income to assets | -0.0814% | 5,755 |
| Return on assets (ROA) | -0.0671% | 5,765 |
| Pretax return on assets | -0.0671% | 5,758 |
| Return on Equity (ROE) | -0.6331% | 5,765 |
| Retained earnings to average equity (ytd only) | -1.5376% | 5,558 |
| Net charge-offs to loans | 1.4988% | 90 |
| Credit loss provision to net charge-offs | 58.6809% | 2,921 |
| Earnings coverage of net charge-offs (x) | 0.4714% | 3,785 |
| Efficiency ratio | 91.1813% | 501 |
| Assets per employee ($millions) | 3.7957% | 4,310 |
| Cash dividends to net income (ytd only)* | -142.8593% | 5,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2676% | 457 |
| Loan loss allowance to noncurrent loans | 254.5912% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.4379% | 3,668 |
| Noncurrent loans to loans | 0.8907% | 2,475 |
| Net loans and leases to total assets | 45.9642% | 5,099 |
| Net loans and leases to deposits | 53.5628% | 5,136 |
| Net loans and leases to core deposits | 56.9405% | 5,102 |
| Total domestic deposits to total assets | 85.8136% | 2,447 |
| Equity capital to assets | 10.9381% | 3,078 |
| Core capital (leverage) ratio | 10.7893% | 2,695 |
| Tier 1 risk-based capital ratio | 16.5612% | 2,387 |
| Total risk-based capital ratio | 17.8156% | 2,341 |
| Memoranda: | ||
| Average total assets | $194,860,750 | 3,019 |
| Average earning assets | $174,980,500 | 3,072 |
| Average equity | $20,638,000 | 3,130 |
| Average total loans | $91,717,750 | 3,558 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7601% | 4,092 |
| Cost of funding earning assets | 0.4004% | 3,042 |
| Net interest margin | 3.3597% | 4,023 |
| Noninterest income to average assets | 0.7774% | 1,820 |
| Noninterest expense to average assets | 3.4301% | 1,313 |
| Loan and lease loss provision to assets | 0.4833% | 275 |
| Net operating income to assets | -0.1221% | 5,820 |
| Return on assets (ROA) | -0.1140% | 5,836 |
| Pretax return on assets | -0.1140% | 5,834 |
| Return on Equity (ROE) | -1.0875% | 5,843 |
| Retained earnings to average equity (ytd only) | -2.4469% | 5,578 |
| Net charge-offs to loans | 1.3962% | 110 |
| Credit loss provision to net charge-offs | 73.5294% | 2,442 |
| Earnings coverage of net charge-offs (x) | 0.5495% | 3,512 |
| Efficiency ratio | 90.4724% | 580 |
| Assets per employee ($millions) | 3.9633% | 3,980 |
| Cash dividends to net income (ytd only)* | -125.0000% | 6,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5101% | 358 |
| Loan loss allowance to noncurrent loans | 192.4831% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.8496% | 2,471 |
| Noncurrent loans to loans | 1.3041% | 1,734 |
| Net loans and leases to total assets | 45.5791% | 5,152 |
| Net loans and leases to deposits | 52.9580% | 5,204 |
| Net loans and leases to core deposits | 56.8969% | 5,131 |
| Total domestic deposits to total assets | 86.0665% | 2,389 |
| Equity capital to assets | 10.7451% | 3,349 |
| Core capital (leverage) ratio | 10.5963% | 2,852 |
| Tier 1 risk-based capital ratio | 16.4607% | 2,446 |
| Total risk-based capital ratio | 17.7170% | 2,384 |
| Memoranda: | ||
| Average total assets | $196,552,000 | 3,022 |
| Average earning assets | $176,326,670 | 3,077 |
| Average equity | $20,597,670 | 3,131 |
| Average total loans | $92,537,670 | 3,554 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8190% | 3,876 |
| Cost of funding earning assets | 0.3774% | 3,330 |
| Net interest margin | 3.4416% | 3,707 |
| Noninterest income to average assets | 0.7971% | 1,626 |
| Noninterest expense to average assets | 3.4897% | 1,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3884% | 5,030 |
| Return on assets (ROA) | 0.3884% | 5,107 |
| Pretax return on assets | 0.3884% | 5,332 |
| Return on Equity (ROE) | 3.7531% | 4,978 |
| Retained earnings to average equity (ytd only) | 1.0165% | 4,833 |
| Net charge-offs to loans | 0.2655% | 787 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.0968% | 2,584 |
| Efficiency ratio | 89.9844% | 675 |
| Assets per employee ($millions) | 3.7707% | 4,360 |
| Cash dividends to net income (ytd only)* | 72.9167% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5789% | 361 |
| Loan loss allowance to noncurrent loans | 178.4753% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.9092% | 2,417 |
| Noncurrent loans to loans | 1.4450% | 1,643 |
| Net loans and leases to total assets | 45.1381% | 5,175 |
| Net loans and leases to deposits | 53.2047% | 5,154 |
| Net loans and leases to core deposits | 57.8880% | 5,055 |
| Total domestic deposits to total assets | 84.8386% | 3,189 |
| Equity capital to assets | 10.3688% | 3,661 |
| Core capital (leverage) ratio | 10.8812% | 2,537 |
| Tier 1 risk-based capital ratio | 16.3809% | 2,524 |
| Total risk-based capital ratio | 17.6379% | 2,478 |
| Memoranda: | ||
| Average total assets | $197,727,500 | 3,013 |
| Average earning assets | $177,011,500 | 3,086 |
| Average equity | $20,463,000 | 3,154 |
| Average total loans | $93,409,500 | 3,544 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 3,150 |
| Cost of funding earning assets | 0.3205% | 4,023 |
| Net interest margin | 3.7216% | 2,669 |
| Noninterest income to average assets | 0.6917% | 2,245 |
| Noninterest expense to average assets | 3.4612% | 1,366 |
| Loan and lease loss provision to assets | 0.0123% | 4,163 |
| Net operating income to assets | 0.5682% | 4,429 |
| Return on assets (ROA) | 0.5603% | 4,552 |
| Pretax return on assets | 0.5603% | 4,961 |
| Return on Equity (ROE) | 5.5939% | 4,235 |
| Retained earnings to average equity (ytd only) | 1.7155% | 4,748 |
| Net charge-offs to loans | 0.6407% | 370 |
| Credit loss provision to net charge-offs | 4.0323% | 3,871 |
| Earnings coverage of net charge-offs (x) | 1.9016% | 4,011 |
| Efficiency ratio | 85.6377% | 1,025 |
| Assets per employee ($millions) | 3.7617% | 4,354 |
| Cash dividends to net income (ytd only)* | 69.3322% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6002% | 353 |
| Loan loss allowance to noncurrent loans | 147.2356% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 1.3435% | 1,569 |
| Noncurrent loans to loans | 1.7660% | 1,261 |
| Net loans and leases to total assets | 46.9173% | 5,100 |
| Net loans and leases to deposits | 54.3827% | 5,143 |
| Net loans and leases to core deposits | 59.2638% | 5,031 |
| Total domestic deposits to total assets | 86.2724% | 2,504 |
| Equity capital to assets | 10.3289% | 3,595 |
| Core capital (leverage) ratio | 10.7514% | 2,659 |
| Tier 1 risk-based capital ratio | 16.9240% | 2,313 |
| Total risk-based capital ratio | 18.1825% | 2,256 |
| Memoranda: | ||
| Average total assets | $203,108,400 | 2,916 |
| Average earning assets | $182,827,000 | 2,965 |
| Average equity | $20,343,600 | 3,138 |
| Average total loans | $96,771,400 | 3,445 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0945% | 2,966 |
| Cost of funding earning assets | 0.3197% | 4,106 |
| Net interest margin | 3.7748% | 2,477 |
| Noninterest income to average assets | 0.6355% | 2,554 |
| Noninterest expense to average assets | 3.4142% | 1,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6309% | 4,236 |
| Return on assets (ROA) | 0.6400% | 4,297 |
| Pretax return on assets | 0.6400% | 4,865 |
| Return on Equity (ROE) | 6.4380% | 3,938 |
| Retained earnings to average equity (ytd only) | 1.2758% | 5,210 |
| Net charge-offs to loans | 0.8692% | 221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.5275% | 3,815 |
| Efficiency ratio | 84.4026% | 1,131 |
| Assets per employee ($millions) | 3.7548% | 4,349 |
| Cash dividends to net income (ytd only)* | 80.1825% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5678% | 402 |
| Loan loss allowance to noncurrent loans | 145.3559% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 1.3533% | 1,718 |
| Noncurrent loans to loans | 1.7666% | 1,349 |
| Net loans and leases to total assets | 45.9518% | 5,233 |
| Net loans and leases to deposits | 52.9747% | 5,314 |
| Net loans and leases to core deposits | 57.6097% | 5,214 |
| Total domestic deposits to total assets | 86.7428% | 2,162 |
| Equity capital to assets | 10.3381% | 3,772 |
| Core capital (leverage) ratio | 10.4178% | 3,146 |
| Tier 1 risk-based capital ratio | 17.1528% | 2,314 |
| Total risk-based capital ratio | 18.4115% | 2,259 |
| Memoranda: | ||
| Average total assets | $204,984,000 | 2,925 |
| Average earning assets | $185,154,750 | 2,968 |
| Average equity | $20,378,500 | 3,164 |
| Average total loans | $97,408,500 | 3,460 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1403% | 2,752 |
| Cost of funding earning assets | 0.3276% | 4,077 |
| Net interest margin | 3.8127% | 2,260 |
| Noninterest income to average assets | 0.5431% | 3,087 |
| Noninterest expense to average assets | 3.3366% | 1,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6590% | 4,079 |
| Return on assets (ROA) | 0.6667% | 4,151 |
| Pretax return on assets | 0.6667% | 4,769 |
| Return on Equity (ROE) | 6.7935% | 3,734 |
| Retained earnings to average equity (ytd only) | 0.6990% | 5,276 |
| Net charge-offs to loans | 1.1258% | 171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.2288% | 3,553 |
| Efficiency ratio | 83.5067% | 1,313 |
| Assets per employee ($millions) | 3.8066% | 4,247 |
| Cash dividends to net income (ytd only)* | 89.7101% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6467% | 399 |
| Loan loss allowance to noncurrent loans | 145.7845% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 1.0761% | 2,363 |
| Noncurrent loans to loans | 1.8155% | 1,405 |
| Net loans and leases to total assets | 45.3982% | 5,295 |
| Net loans and leases to deposits | 52.4189% | 5,358 |
| Net loans and leases to core deposits | 56.9724% | 5,259 |
| Total domestic deposits to total assets | 86.6066% | 2,371 |
| Equity capital to assets | 9.9253% | 4,122 |
| Core capital (leverage) ratio | 10.0684% | 3,506 |
| Tier 1 risk-based capital ratio | 16.6573% | 2,534 |
| Total risk-based capital ratio | 17.9158% | 2,482 |
| Memoranda: | ||
| Average total assets | $206,978,000 | 2,924 |
| Average earning assets | $187,425,000 | 2,956 |
| Average equity | $20,313,670 | 3,185 |
| Average total loans | $98,593,000 | 3,463 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 2,311 |
| Cost of funding earning assets | 0.3541% | 3,811 |
| Net interest margin | 3.8866% | 1,940 |
| Noninterest income to average assets | 0.4122% | 3,903 |
| Noninterest expense to average assets | 3.2158% | 1,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7157% | 3,722 |
| Return on assets (ROA) | 0.7309% | 3,776 |
| Pretax return on assets | 0.7309% | 4,499 |
| Return on Equity (ROE) | 7.4883% | 3,223 |
| Retained earnings to average equity (ytd only) | 1.9552% | 4,693 |
| Net charge-offs to loans | 2.1735% | 79 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.6843% | 3,021 |
| Efficiency ratio | 81.7961% | 1,646 |
| Assets per employee ($millions) | 3.7168% | 4,482 |
| Cash dividends to net income (ytd only)* | 73.8903% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5496% | 497 |
| Loan loss allowance to noncurrent loans | 112.0736% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.1871% | 2,260 |
| Noncurrent loans to loans | 2.2749% | 1,092 |
| Net loans and leases to total assets | 45.0495% | 5,267 |
| Net loans and leases to deposits | 51.8012% | 5,344 |
| Net loans and leases to core deposits | 56.3497% | 5,231 |
| Total domestic deposits to total assets | 86.9661% | 2,388 |
| Equity capital to assets | 9.7576% | 4,423 |
| Core capital (leverage) ratio | 9.8616% | 3,805 |
| Tier 1 risk-based capital ratio | 16.1455% | 2,850 |
| Total risk-based capital ratio | 17.4039% | 2,786 |
| Memoranda: | ||
| Average total assets | $209,593,000 | 2,915 |
| Average earning assets | $189,780,000 | 2,947 |
| Average equity | $20,458,500 | 3,183 |
| Average total loans | $100,849,500 | 3,437 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8146% | 1,088 |
| Cost of funding earning assets | 0.3610% | 4,128 |
| Net interest margin | 4.4536% | 811 |
| Noninterest income to average assets | 0.6460% | 2,575 |
| Noninterest expense to average assets | 3.6176% | 1,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0462% | 2,182 |
| Return on assets (ROA) | 1.0326% | 2,323 |
| Pretax return on assets | 1.0326% | 3,378 |
| Return on Equity (ROE) | 11.0990% | 1,697 |
| Retained earnings to average equity (ytd only) | 6.4731% | 1,660 |
| Net charge-offs to loans | 0.1844% | 2,198 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 10.7990% | 2,583 |
| Efficiency ratio | 77.5678% | 2,266 |
| Assets per employee ($millions) | 3.6386% | 4,646 |
| Cash dividends to net income (ytd only)* | 41.6785% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9346% | 321 |
| Loan loss allowance to noncurrent loans | 115.2972% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.4330% | 1,923 |
| Noncurrent loans to loans | 2.5452% | 994 |
| Net loans and leases to total assets | 48.5612% | 5,110 |
| Net loans and leases to deposits | 55.6254% | 5,203 |
| Net loans and leases to core deposits | 60.0475% | 5,138 |
| Total domestic deposits to total assets | 87.3005% | 2,128 |
| Equity capital to assets | 9.7960% | 4,362 |
| Core capital (leverage) ratio | 9.9317% | 3,676 |
| Tier 1 risk-based capital ratio | 17.5667% | 2,290 |
| Total risk-based capital ratio | 18.8338% | 2,253 |
| Memoranda: | ||
| Average total assets | $205,409,800 | 2,928 |
| Average earning assets | $185,310,200 | 2,972 |
| Average equity | $19,109,800 | 3,272 |
| Average total loans | $107,939,600 | 3,268 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8505% | 1,021 |
| Cost of funding earning assets | 0.3665% | 4,170 |
| Net interest margin | 4.4840% | 765 |
| Noninterest income to average assets | 0.6526% | 2,564 |
| Noninterest expense to average assets | 3.7017% | 1,119 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9949% | 2,467 |
| Return on assets (ROA) | 0.9786% | 2,619 |
| Pretax return on assets | 0.9786% | 3,682 |
| Return on Equity (ROE) | 10.6618% | 1,920 |
| Retained earnings to average equity (ytd only) | 5.8484% | 2,502 |
| Net charge-offs to loans | 0.2851% | 1,379 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.5622% | 3,062 |
| Efficiency ratio | 78.8168% | 2,071 |
| Assets per employee ($millions) | 3.5401% | 4,786 |
| Cash dividends to net income (ytd only)* | 45.1463% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9117% | 394 |
| Loan loss allowance to noncurrent loans | 107.8438% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.4377% | 2,149 |
| Noncurrent loans to loans | 2.6999% | 1,054 |
| Net loans and leases to total assets | 48.8976% | 5,117 |
| Net loans and leases to deposits | 55.7190% | 5,259 |
| Net loans and leases to core deposits | 60.1543% | 5,178 |
| Total domestic deposits to total assets | 87.7576% | 1,891 |
| Equity capital to assets | 9.5414% | 4,740 |
| Core capital (leverage) ratio | 9.9435% | 3,746 |
| Tier 1 risk-based capital ratio | 17.3043% | 2,473 |
| Total risk-based capital ratio | 18.5700% | 2,422 |
| Memoranda: | ||
| Average total assets | $204,911,750 | 2,959 |
| Average earning assets | $184,801,250 | 3,003 |
| Average equity | $18,808,000 | 3,328 |
| Average total loans | $108,984,000 | 3,262 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9296% | 861 |
| Cost of funding earning assets | 0.3719% | 4,183 |
| Net interest margin | 4.5578% | 628 |
| Noninterest income to average assets | 0.6544% | 2,517 |
| Noninterest expense to average assets | 3.7134% | 1,119 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0470% | 2,131 |
| Return on assets (ROA) | 1.0206% | 2,313 |
| Pretax return on assets | 1.0206% | 3,392 |
| Return on Equity (ROE) | 11.2687% | 1,638 |
| Retained earnings to average equity (ytd only) | 6.0495% | 2,292 |
| Net charge-offs to loans | 0.2003% | 1,826 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.6577% | 2,336 |
| Efficiency ratio | 78.0057% | 2,289 |
| Assets per employee ($millions) | 3.5004% | 4,848 |
| Cash dividends to net income (ytd only)* | 46.3158% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9499% | 404 |
| Loan loss allowance to noncurrent loans | 106.2754% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.4812% | 2,204 |
| Noncurrent loans to loans | 2.7757% | 1,083 |
| Net loans and leases to total assets | 49.9092% | 4,969 |
| Net loans and leases to deposits | 56.9656% | 5,125 |
| Net loans and leases to core deposits | 61.4162% | 5,019 |
| Total domestic deposits to total assets | 87.6129% | 2,135 |
| Equity capital to assets | 9.4049% | 4,840 |
| Core capital (leverage) ratio | 9.8091% | 3,873 |
| Tier 1 risk-based capital ratio | 16.7819% | 2,715 |
| Total risk-based capital ratio | 18.0488% | 2,672 |
| Memoranda: | ||
| Average total assets | $204,773,330 | 2,972 |
| Average earning assets | $184,476,330 | 3,018 |
| Average equity | $18,547,000 | 3,354 |
| Average total loans | $110,841,670 | 3,226 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9634% | 773 |
| Cost of funding earning assets | 0.3848% | 4,145 |
| Net interest margin | 4.5786% | 576 |
| Noninterest income to average assets | 0.7415% | 1,986 |
| Noninterest expense to average assets | 3.7371% | 1,078 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1359% | 1,678 |
| Return on assets (ROA) | 1.1986% | 1,556 |
| Pretax return on assets | 1.1986% | 2,490 |
| Return on Equity (ROE) | 13.4961% | 1,039 |
| Retained earnings to average equity (ytd only) | 8.8575% | 1,292 |
| Net charge-offs to loans | 0.3429% | 1,042 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.9691% | 2,303 |
| Efficiency ratio | 76.6908% | 2,694 |
| Assets per employee ($millions) | 3.5032% | 4,913 |
| Cash dividends to net income (ytd only)* | 34.3699% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8395% | 516 |
| Loan loss allowance to noncurrent loans | 97.5821% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.6285% | 2,167 |
| Noncurrent loans to loans | 2.9098% | 1,118 |
| Net loans and leases to total assets | 52.1157% | 4,658 |
| Net loans and leases to deposits | 58.9222% | 4,852 |
| Net loans and leases to core deposits | 63.3237% | 4,747 |
| Total domestic deposits to total assets | 88.4484% | 1,963 |
| Equity capital to assets | 8.9937% | 5,123 |
| Core capital (leverage) ratio | 9.8729% | 3,756 |
| Tier 1 risk-based capital ratio | 16.2781% | 3,024 |
| Total risk-based capital ratio | 17.5444% | 2,977 |
| Memoranda: | ||
| Average total assets | $203,899,500 | 3,013 |
| Average earning assets | $183,986,500 | 3,048 |
| Average equity | $18,109,000 | 3,409 |
| Average total loans | $113,159,500 | 3,201 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9386% | 1,023 |
| Cost of funding earning assets | 0.4882% | 3,734 |
| Net interest margin | 4.4504% | 821 |
| Noninterest income to average assets | 0.4778% | 3,906 |
| Noninterest expense to average assets | 3.5301% | 1,594 |
| Loan and lease loss provision to assets | 0.5308% | 512 |
| Net operating income to assets | 0.4425% | 4,988 |
| Return on assets (ROA) | 0.4904% | 4,913 |
| Pretax return on assets | 0.4904% | 5,228 |
| Return on Equity (ROE) | 5.6419% | 4,308 |
| Retained earnings to average equity (ytd only) | 2.4523% | 4,507 |
| Net charge-offs to loans | 0.5481% | 1,211 |
| Credit loss provision to net charge-offs | 166.8613% | 1,365 |
| Earnings coverage of net charge-offs (x) | 3.0599% | 3,972 |
| Efficiency ratio | 78.3873% | 2,404 |
| Assets per employee ($millions) | 3.5282% | 4,843 |
| Cash dividends to net income (ytd only)* | 56.5341% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8098% | 589 |
| Loan loss allowance to noncurrent loans | 90.9703% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.8428% | 1,985 |
| Noncurrent loans to loans | 3.0887% | 1,115 |
| Net loans and leases to total assets | 55.7951% | 4,348 |
| Net loans and leases to deposits | 62.6512% | 4,661 |
| Net loans and leases to core deposits | 67.1066% | 4,604 |
| Total domestic deposits to total assets | 89.0567% | 1,579 |
| Equity capital to assets | 8.7659% | 5,294 |
| Core capital (leverage) ratio | 9.5889% | 4,128 |
| Tier 1 risk-based capital ratio | 15.6029% | 3,307 |
| Total risk-based capital ratio | 16.8687% | 3,255 |
| Memoranda: | ||
| Average total assets | $215,345,600 | 2,858 |
| Average earning assets | $194,790,400 | 2,893 |
| Average equity | $18,717,000 | 3,310 |
| Average total loans | $124,966,800 | 2,939 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9740% | 988 |
| Cost of funding earning assets | 0.5107% | 3,667 |
| Net interest margin | 4.4633% | 781 |
| Noninterest income to average assets | 0.4586% | 4,091 |
| Noninterest expense to average assets | 3.4839% | 1,642 |
| Loan and lease loss provision to assets | 0.6657% | 330 |
| Net operating income to assets | 0.3381% | 5,474 |
| Return on assets (ROA) | 0.3801% | 5,472 |
| Pretax return on assets | 0.3922% | 5,646 |
| Return on Equity (ROE) | 4.3814% | 5,037 |
| Retained earnings to average equity (ytd only) | 0.4002% | 5,808 |
| Net charge-offs to loans | 0.7339% | 810 |
| Credit loss provision to net charge-offs | 155.9201% | 1,515 |
| Earnings coverage of net charge-offs (x) | 2.3766% | 4,043 |
| Efficiency ratio | 77.4438% | 2,489 |
| Assets per employee ($millions) | 3.2756% | 5,332 |
| Cash dividends to net income (ytd only)* | 90.8652% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6760% | 769 |
| Loan loss allowance to noncurrent loans | 129.7673% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 1.3192% | 3,006 |
| Noncurrent loans to loans | 2.0621% | 2,178 |
| Net loans and leases to total assets | 56.9136% | 4,186 |
| Net loans and leases to deposits | 64.1643% | 4,503 |
| Net loans and leases to core deposits | 69.3501% | 4,392 |
| Total domestic deposits to total assets | 88.6998% | 1,724 |
| Equity capital to assets | 8.9253% | 5,273 |
| Core capital (leverage) ratio | 8.9914% | 5,141 |
| Tier 1 risk-based capital ratio | 14.9423% | 3,790 |
| Total risk-based capital ratio | 16.2149% | 3,723 |
| Memoranda: | ||
| Average total assets | $218,904,750 | 2,843 |
| Average earning assets | $198,143,750 | 2,872 |
| Average equity | $18,989,000 | 3,316 |
| Average total loans | $127,345,250 | 2,919 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0378% | 861 |
| Cost of funding earning assets | 0.5241% | 3,662 |
| Net interest margin | 4.5136% | 697 |
| Noninterest income to average assets | 0.4648% | 4,061 |
| Noninterest expense to average assets | 3.4160% | 1,787 |
| Loan and lease loss provision to assets | 0.2213% | 1,715 |
| Net operating income to assets | 0.9225% | 2,691 |
| Return on assets (ROA) | 0.9858% | 2,534 |
| Pretax return on assets | 0.9858% | 3,570 |
| Return on Equity (ROE) | 11.4646% | 1,654 |
| Retained earnings to average equity (ytd only) | 5.8931% | 2,494 |
| Net charge-offs to loans | 0.7127% | 917 |
| Credit loss provision to net charge-offs | 53.4483% | 3,150 |
| Earnings coverage of net charge-offs (x) | 2.7629% | 3,591 |
| Efficiency ratio | 74.9168% | 2,960 |
| Assets per employee ($millions) | 3.3018% | 5,258 |
| Cash dividends to net income (ytd only)* | 48.5973% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0985% | 1,639 |
| Loan loss allowance to noncurrent loans | 136.3395% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.9435% | 3,898 |
| Noncurrent loans to loans | 1.5392% | 2,996 |
| Net loans and leases to total assets | 55.0197% | 4,448 |
| Net loans and leases to deposits | 61.7250% | 4,771 |
| Net loans and leases to core deposits | 69.0360% | 4,386 |
| Total domestic deposits to total assets | 89.1368% | 1,548 |
| Equity capital to assets | 8.1553% | 6,092 |
| Core capital (leverage) ratio | 8.7196% | 5,391 |
| Tier 1 risk-based capital ratio | 14.5788% | 4,049 |
| Total risk-based capital ratio | 15.8370% | 4,007 |
| Memoranda: | ||
| Average total assets | $224,178,000 | 2,800 |
| Average earning assets | $203,383,670 | 2,832 |
| Average equity | $19,276,670 | 3,296 |
| Average total loans | $130,206,670 | 2,871 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0509% | 819 |
| Cost of funding earning assets | 0.5468% | 3,602 |
| Net interest margin | 4.5041% | 679 |
| Noninterest income to average assets | 0.2640% | 5,573 |
| Noninterest expense to average assets | 3.4156% | 1,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9362% | 2,487 |
| Return on assets (ROA) | 0.9907% | 2,384 |
| Pretax return on assets | 0.9907% | 3,395 |
| Return on Equity (ROE) | 11.2437% | 1,633 |
| Retained earnings to average equity (ytd only) | 8.8671% | 1,425 |
| Net charge-offs to loans | 0.5877% | 1,037 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.7005% | 2,967 |
| Efficiency ratio | 78.4877% | 2,537 |
| Assets per employee ($millions) | 3.4659% | 5,053 |
| Cash dividends to net income (ytd only)* | 21.1368% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9889% | 2,072 |
| Loan loss allowance to noncurrent loans | 249.6625% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.5464% | 5,025 |
| Noncurrent loans to loans | 0.7967% | 4,527 |
| Net loans and leases to total assets | 56.6314% | 3,984 |
| Net loans and leases to deposits | 64.2024% | 4,290 |
| Net loans and leases to core deposits | 72.2961% | 3,782 |
| Total domestic deposits to total assets | 88.2077% | 2,190 |
| Equity capital to assets | 8.9097% | 5,604 |
| Core capital (leverage) ratio | 8.6318% | 5,416 |
| Tier 1 risk-based capital ratio | 13.7088% | 4,714 |
| Total risk-based capital ratio | 14.9723% | 4,670 |
| Memoranda: | ||
| Average total assets | $227,307,000 | 2,807 |
| Average earning assets | $206,301,000 | 2,831 |
| Average equity | $20,029,000 | 3,247 |
| Average total loans | $134,075,500 | 2,816 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5959% | 513 |
| Cost of funding earning assets | 0.8221% | 2,490 |
| Net interest margin | 4.7737% | 567 |
| Noninterest income to average assets | 0.0074% | 6,802 |
| Noninterest expense to average assets | 3.0120% | 3,227 |
| Loan and lease loss provision to assets | 0.9753% | 434 |
| Net operating income to assets | 0.3467% | 5,307 |
| Return on assets (ROA) | 0.4478% | 5,137 |
| Pretax return on assets | 0.4608% | 5,393 |
| Return on Equity (ROE) | 5.1022% | 4,634 |
| Retained earnings to average equity (ytd only) | 2.9332% | 4,161 |
| Net charge-offs to loans | 1.1751% | 869 |
| Credit loss provision to net charge-offs | 132.9009% | 2,112 |
| Earnings coverage of net charge-offs (x) | 1.8149% | 4,523 |
| Efficiency ratio | 69.3396% | 3,922 |
| Assets per employee ($millions) | 3.6402% | 4,689 |
| Cash dividends to net income (ytd only)* | 42.5121% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0191% | 1,969 |
| Loan loss allowance to noncurrent loans | 371.9626% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 1.0103% | 4,016 |
| Noncurrent loans to loans | 0.5428% | 5,169 |
| Net loans and leases to total assets | 58.9519% | 3,807 |
| Net loans and leases to deposits | 66.7821% | 4,168 |
| Net loans and leases to core deposits | 75.5655% | 3,596 |
| Total domestic deposits to total assets | 88.2750% | 2,046 |
| Equity capital to assets | 8.7149% | 5,836 |
| Core capital (leverage) ratio | 8.3268% | 5,858 |
| Tier 1 risk-based capital ratio | 12.7500% | 5,293 |
| Total risk-based capital ratio | 14.0071% | 5,225 |
| Memoranda: | ||
| Average total assets | $231,111,400 | 2,710 |
| Average earning assets | $209,941,200 | 2,735 |
| Average equity | $20,285,200 | 3,169 |
| Average total loans | $144,333,000 | 2,662 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6750% | 485 |
| Cost of funding earning assets | 0.8614% | 2,448 |
| Net interest margin | 4.8137% | 550 |
| Noninterest income to average assets | -0.1399% | 7,048 |
| Noninterest expense to average assets | 2.8709% | 3,704 |
| Loan and lease loss provision to assets | 0.6224% | 859 |
| Net operating income to assets | 0.7271% | 3,788 |
| Return on assets (ROA) | 0.8631% | 3,406 |
| Pretax return on assets | 0.8816% | 4,188 |
| Return on Equity (ROE) | 9.8164% | 2,439 |
| Retained earnings to average equity (ytd only) | 8.1792% | 1,538 |
| Net charge-offs to loans | 0.6780% | 1,631 |
| Credit loss provision to net charge-offs | 145.6873% | 1,956 |
| Earnings coverage of net charge-offs (x) | 3.1954% | 3,751 |
| Efficiency ratio | 67.7722% | 4,110 |
| Assets per employee ($millions) | 3.6121% | 4,732 |
| Cash dividends to net income (ytd only)* | 16.6780% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7837% | 2,852 |
| Loan loss allowance to noncurrent loans | 335.5556% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.9101% | 4,459 |
| Noncurrent loans to loans | 0.5316% | 5,381 |
| Net loans and leases to total assets | 62.1140% | 3,358 |
| Net loans and leases to deposits | 69.2219% | 3,999 |
| Net loans and leases to core deposits | 79.0569% | 3,317 |
| Total domestic deposits to total assets | 89.7317% | 979 |
| Equity capital to assets | 9.3424% | 5,417 |
| Core capital (leverage) ratio | 8.5999% | 5,622 |
| Tier 1 risk-based capital ratio | 12.8840% | 5,338 |
| Total risk-based capital ratio | 14.1389% | 5,303 |
| Memoranda: | ||
| Average total assets | $231,556,500 | 2,734 |
| Average earning assets | $210,507,000 | 2,755 |
| Average equity | $20,360,000 | 3,193 |
| Average total loans | $145,921,000 | 2,662 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7260% | 461 |
| Cost of funding earning assets | 0.8753% | 2,604 |
| Net interest margin | 4.8508% | 515 |
| Noninterest income to average assets | -0.4345% | 7,185 |
| Noninterest expense to average assets | 2.7971% | 4,029 |
| Loan and lease loss provision to assets | 0.3229% | 2,041 |
| Net operating income to assets | 0.8466% | 3,159 |
| Return on assets (ROA) | 0.9970% | 2,700 |
| Pretax return on assets | 1.0048% | 3,690 |
| Return on Equity (ROE) | 11.5753% | 1,807 |
| Retained earnings to average equity (ytd only) | 9.0828% | 1,246 |
| Net charge-offs to loans | 0.6644% | 1,655 |
| Credit loss provision to net charge-offs | 77.2074% | 3,397 |
| Earnings coverage of net charge-offs (x) | 2.8111% | 3,621 |
| Efficiency ratio | 70.4064% | 3,696 |
| Assets per employee ($millions) | 3.7329% | 4,455 |
| Cash dividends to net income (ytd only)* | 21.5332% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 4,252 |
| Loan loss allowance to noncurrent loans | 233.9227% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.9765% | 4,418 |
| Noncurrent loans to loans | 0.6195% | 5,274 |
| Net loans and leases to total assets | 62.2027% | 3,391 |
| Net loans and leases to deposits | 68.8665% | 4,066 |
| Net loans and leases to core deposits | 78.2896% | 3,469 |
| Total domestic deposits to total assets | 90.3236% | 748 |
| Equity capital to assets | 8.8226% | 5,888 |
| Core capital (leverage) ratio | 8.3678% | 5,833 |
| Tier 1 risk-based capital ratio | 12.5257% | 5,547 |
| Total risk-based capital ratio | 13.7721% | 5,532 |
| Memoranda: | ||
| Average total assets | $232,887,330 | 2,724 |
| Average earning assets | $211,595,670 | 2,741 |
| Average equity | $20,060,000 | 3,215 |
| Average total loans | $146,589,330 | 2,660 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7647% | 458 |
| Cost of funding earning assets | 0.9040% | 2,654 |
| Net interest margin | 4.8607% | 495 |
| Noninterest income to average assets | 0.3014% | 5,467 |
| Noninterest expense to average assets | 2.7858% | 4,097 |
| Loan and lease loss provision to assets | 0.5325% | 1,122 |
| Net operating income to assets | 1.3767% | 1,263 |
| Return on assets (ROA) | 1.5496% | 1,053 |
| Pretax return on assets | 1.5581% | 1,714 |
| Return on Equity (ROE) | 18.2088% | 526 |
| Retained earnings to average equity (ytd only) | 18.2088% | 244 |
| Net charge-offs to loans | 0.5339% | 1,750 |
| Credit loss provision to net charge-offs | 158.6735% | 1,598 |
| Earnings coverage of net charge-offs (x) | 5.7092% | 2,310 |
| Efficiency ratio | 59.2498% | 5,733 |
| Assets per employee ($millions) | 4.1390% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5695% | 3,850 |
| Loan loss allowance to noncurrent loans | 179.5402% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 1.5170% | 3,577 |
| Noncurrent loans to loans | 0.8742% | 4,921 |
| Net loans and leases to total assets | 62.2812% | 3,199 |
| Net loans and leases to deposits | 68.7155% | 3,924 |
| Net loans and leases to core deposits | 77.4033% | 3,411 |
| Total domestic deposits to total assets | 90.6364% | 726 |
| Equity capital to assets | 8.5654% | 6,024 |
| Core capital (leverage) ratio | 8.3685% | 5,782 |
| Tier 1 risk-based capital ratio | 12.3223% | 5,739 |
| Total risk-based capital ratio | 13.5692% | 5,703 |
| Memoranda: | ||
| Average total assets | $233,611,000 | 2,734 |
| Average earning assets | $211,494,000 | 2,753 |
| Average equity | $19,880,500 | 3,238 |
| Average total loans | $146,844,500 | 2,679 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0308% | 411 |
| Cost of funding earning assets | 1.1997% | 2,025 |
| Net interest margin | 4.8311% | 587 |
| Noninterest income to average assets | 0.0271% | 6,913 |
| Noninterest expense to average assets | 2.8477% | 4,172 |
| Loan and lease loss provision to assets | 1.0100% | 936 |
| Net operating income to assets | 0.5403% | 4,274 |
| Return on assets (ROA) | 0.6112% | 4,126 |
| Pretax return on assets | 0.5935% | 4,717 |
| Return on Equity (ROE) | 7.7100% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.7100% | 1,187 |
| Net charge-offs to loans | 1.1097% | 1,549 |
| Credit loss provision to net charge-offs | 136.3473% | 2,196 |
| Earnings coverage of net charge-offs (x) | 2.0689% | 4,230 |
| Efficiency ratio | 65.0127% | 4,950 |
| Assets per employee ($millions) | 3.8550% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 3,817 |
| Loan loss allowance to noncurrent loans | 230.4033% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 1.5556% | 3,616 |
| Noncurrent loans to loans | 0.6696% | 5,361 |
| Net loans and leases to total assets | 61.4712% | 3,699 |
| Net loans and leases to deposits | 67.7433% | 4,477 |
| Net loans and leases to core deposits | 76.1850% | 3,957 |
| Total domestic deposits to total assets | 90.7413% | 605 |
| Equity capital to assets | 8.4536% | 6,200 |
| Core capital (leverage) ratio | 8.0203% | 6,243 |
| Tier 1 risk-based capital ratio | 12.2580% | 5,640 |
| Total risk-based capital ratio | 13.4974% | 5,622 |
| Memoranda: | ||
| Average total assets | $225,442,600 | 2,779 |
| Average earning assets | $203,141,000 | 2,811 |
| Average equity | $17,872,800 | 3,445 |
| Average total loans | $150,492,000 | 2,637 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0923% | 394 |
| Cost of funding earning assets | 1.2619% | 1,921 |
| Net interest margin | 4.8304% | 589 |
| Noninterest income to average assets | -0.0661% | 7,183 |
| Noninterest expense to average assets | 2.8169% | 4,276 |
| Loan and lease loss provision to assets | 0.6971% | 1,389 |
| Net operating income to assets | 0.7977% | 3,175 |
| Return on assets (ROA) | 0.8929% | 2,919 |
| Pretax return on assets | 0.8673% | 3,888 |
| Return on Equity (ROE) | 11.4592% | 1,700 |
| Retained earnings to average equity (ytd only) | 11.4592% | 560 |
| Net charge-offs to loans | 0.6596% | 2,274 |
| Credit loss provision to net charge-offs | 155.7181% | 1,995 |
| Earnings coverage of net charge-offs (x) | 3.2819% | 3,507 |
| Efficiency ratio | 65.7222% | 4,763 |
| Assets per employee ($millions) | 3.8530% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 4,647 |
| Loan loss allowance to noncurrent loans | 85.6064% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.6373% | 3,630 |
| Noncurrent loans to loans | 1.6097% | 3,884 |
| Net loans and leases to total assets | 63.1564% | 3,486 |
| Net loans and leases to deposits | 69.6885% | 4,347 |
| Net loans and leases to core deposits | 79.6199% | 3,696 |
| Total domestic deposits to total assets | 90.6267% | 578 |
| Equity capital to assets | 8.4714% | 6,322 |
| Core capital (leverage) ratio | 8.1822% | 6,155 |
| Tier 1 risk-based capital ratio | 12.3341% | 5,635 |
| Total risk-based capital ratio | 13.5851% | 5,621 |
| Memoranda: | ||
| Average total assets | $223,979,000 | 2,804 |
| Average earning assets | $201,800,000 | 2,835 |
| Average equity | $17,452,750 | 3,519 |
| Average total loans | $152,012,750 | 2,634 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1040% | 382 |
| Cost of funding earning assets | 1.3291% | 1,765 |
| Net interest margin | 4.7749% | 627 |
| Noninterest income to average assets | -0.0984% | 7,289 |
| Noninterest expense to average assets | 2.9335% | 3,888 |
| Loan and lease loss provision to assets | 0.8259% | 1,106 |
| Net operating income to assets | 0.4266% | 4,828 |
| Return on assets (ROA) | 0.5723% | 4,328 |
| Pretax return on assets | 0.5795% | 4,813 |
| Return on Equity (ROE) | 7.5736% | 3,157 |
| Retained earnings to average equity (ytd only) | 7.5736% | 1,628 |
| Net charge-offs to loans | 0.6196% | 2,287 |
| Credit loss provision to net charge-offs | 192.6316% | 1,564 |
| Earnings coverage of net charge-offs (x) | 2.9347% | 3,380 |
| Efficiency ratio | 69.9828% | 4,123 |
| Assets per employee ($millions) | 3.7445% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 4,850 |
| Loan loss allowance to noncurrent loans | 67.6181% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 2.1289% | 3,072 |
| Noncurrent loans to loans | 1.9917% | 3,495 |
| Net loans and leases to total assets | 67.1994% | 2,792 |
| Net loans and leases to deposits | 73.9210% | 3,817 |
| Net loans and leases to core deposits | 84.3461% | 3,156 |
| Total domestic deposits to total assets | 90.9071% | 533 |
| Equity capital to assets | 7.6980% | 6,857 |
| Core capital (leverage) ratio | 7.3369% | 6,848 |
| Tier 1 risk-based capital ratio | 10.9741% | 6,548 |
| Total risk-based capital ratio | 12.2251% | 6,527 |
| Memoranda: | ||
| Average total assets | $221,579,670 | 2,844 |
| Average earning assets | $199,083,330 | 2,883 |
| Average equity | $16,742,330 | 3,614 |
| Average total loans | $153,336,000 | 2,641 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9986% | 473 |
| Cost of funding earning assets | 1.3759% | 1,738 |
| Net interest margin | 4.6227% | 827 |
| Noninterest income to average assets | 0.6272% | 2,991 |
| Noninterest expense to average assets | 3.0413% | 3,480 |
| Loan and lease loss provision to assets | 0.2363% | 3,298 |
| Net operating income to assets | 1.4507% | 986 |
| Return on assets (ROA) | 1.4507% | 1,021 |
| Pretax return on assets | 1.4907% | 1,476 |
| Return on Equity (ROE) | 19.3854% | 371 |
| Retained earnings to average equity (ytd only) | 19.3854% | 181 |
| Net charge-offs to loans | 0.3388% | 2,701 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 7.3077% | 1,965 |
| Efficiency ratio | 63.7819% | 5,397 |
| Assets per employee ($millions) | 3.7449% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 6,221 |
| Loan loss allowance to noncurrent loans | 53.6755% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 2.5177% | 2,715 |
| Noncurrent loans to loans | 1.9578% | 3,631 |
| Net loans and leases to total assets | 67.9291% | 2,560 |
| Net loans and leases to deposits | 73.7032% | 3,805 |
| Net loans and leases to core deposits | 85.0081% | 3,030 |
| Total domestic deposits to total assets | 92.1658% | 250 |
| Equity capital to assets | 7.5712% | 6,830 |
| Core capital (leverage) ratio | 7.6160% | 6,637 |
| Tier 1 risk-based capital ratio | 10.8282% | 6,626 |
| Total risk-based capital ratio | 11.8635% | 6,723 |
| Memoranda: | ||
| Average total assets | $220,034,500 | 2,882 |
| Average earning assets | $197,114,000 | 2,922 |
| Average equity | $16,466,000 | 3,643 |
| Average total loans | $153,485,000 | 2,656 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3296% | 437 |
| Cost of funding earning assets | 1.6004% | 2,068 |
| Net interest margin | 4.7293% | 768 |
| Noninterest income to average assets | 0.6175% | 3,359 |
| Noninterest expense to average assets | 2.7914% | 4,635 |
| Loan and lease loss provision to assets | 1.2879% | 1,199 |
| Net operating income to assets | 0.7625% | 2,944 |
| Return on assets (ROA) | 0.8795% | 2,606 |
| Pretax return on assets | 0.9072% | 3,254 |
| Return on Equity (ROE) | 11.3812% | 1,486 |
| Retained earnings to average equity (ytd only) | 0.7437% | 5,188 |
| Net charge-offs to loans | 1.7120% | 1,262 |
| Credit loss provision to net charge-offs | 104.7911% | 4,282 |
| Earnings coverage of net charge-offs (x) | 1.6880% | 4,466 |
| Efficiency ratio | 57.3669% | 6,407 |
| Assets per employee ($millions) | 3.5896% | 4,731 |
| Cash dividends to net income (ytd only)* | 93.4655% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 6,103 |
| Loan loss allowance to noncurrent loans | 106.2951% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 1.5420% | 3,999 |
| Noncurrent loans to loans | 0.9986% | 5,063 |
| Net loans and leases to total assets | 70.1545% | 2,508 |
| Net loans and leases to deposits | 75.9547% | 3,847 |
| Net loans and leases to core deposits | 85.9780% | 3,321 |
| Total domestic deposits to total assets | 92.3636% | 208 |
| Equity capital to assets | 7.3917% | 6,944 |
| Core capital (leverage) ratio | 7.2912% | 6,848 |
| Tier 1 risk-based capital ratio | 10.3777% | 6,777 |
| Total risk-based capital ratio | 11.4189% | 6,869 |
| Memoranda: | ||
| Average total assets | $212,291,400 | 2,958 |
| Average earning assets | $190,706,400 | 2,990 |
| Average equity | $16,404,200 | 3,687 |
| Average total loans | $152,391,800 | 2,730 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2901% | 519 |
| Cost of funding earning assets | 1.6213% | 2,273 |
| Net interest margin | 4.6687% | 910 |
| Noninterest income to average assets | 0.7772% | 2,340 |
| Noninterest expense to average assets | 2.5296% | 5,606 |
| Loan and lease loss provision to assets | 0.9203% | 1,639 |
| Net operating income to assets | 1.5022% | 922 |
| Return on assets (ROA) | 1.6597% | 723 |
| Pretax return on assets | 1.6918% | 1,129 |
| Return on Equity (ROE) | 21.2437% | 241 |
| Retained earnings to average equity (ytd only) | 7.1646% | 1,774 |
| Net charge-offs to loans | 0.9629% | 2,074 |
| Credit loss provision to net charge-offs | 132.7273% | 3,044 |
| Earnings coverage of net charge-offs (x) | 3.5355% | 3,407 |
| Efficiency ratio | 50.7846% | 7,089 |
| Assets per employee ($millions) | 3.6054% | 4,718 |
| Cash dividends to net income (ytd only)* | 66.2742% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 5,503 |
| Loan loss allowance to noncurrent loans | 61.0526% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 2.1052% | 3,327 |
| Noncurrent loans to loans | 1.9635% | 3,729 |
| Net loans and leases to total assets | 70.7125% | 2,562 |
| Net loans and leases to deposits | 76.9520% | 4,016 |
| Net loans and leases to core deposits | 86.7877% | 3,545 |
| Total domestic deposits to total assets | 91.8917% | 207 |
| Equity capital to assets | 7.7829% | 6,941 |
| Core capital (leverage) ratio | 7.5106% | 6,836 |
| Tier 1 risk-based capital ratio | 10.3422% | 6,871 |
| Total risk-based capital ratio | 11.5183% | 6,907 |
| Memoranda: | ||
| Average total assets | $211,520,250 | 3,017 |
| Average earning assets | $190,454,500 | 3,039 |
| Average equity | $16,525,250 | 3,721 |
| Average total loans | $152,310,500 | 2,775 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3714% | 436 |
| Cost of funding earning assets | 1.6272% | 2,497 |
| Net interest margin | 4.7441% | 733 |
| Noninterest income to average assets | 0.7336% | 2,494 |
| Noninterest expense to average assets | 2.4438% | 5,932 |
| Loan and lease loss provision to assets | 0.6441% | 2,233 |
| Net operating income to assets | 1.8899% | 405 |
| Return on assets (ROA) | 2.0598% | 328 |
| Pretax return on assets | 2.0913% | 497 |
| Return on Equity (ROE) | 26.3311% | 98 |
| Retained earnings to average equity (ytd only) | 12.9950% | 380 |
| Net charge-offs to loans | 0.4410% | 3,219 |
| Credit loss provision to net charge-offs | 202.3952% | 1,931 |
| Earnings coverage of net charge-offs (x) | 8.0509% | 2,198 |
| Efficiency ratio | 48.8199% | 7,302 |
| Assets per employee ($millions) | 3.5806% | 4,734 |
| Cash dividends to net income (ytd only)* | 50.6475% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 5,456 |
| Loan loss allowance to noncurrent loans | 56.1908% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.8163% | 3,734 |
| Noncurrent loans to loans | 2.1376% | 3,544 |
| Net loans and leases to total assets | 70.3719% | 2,823 |
| Net loans and leases to deposits | 76.6239% | 4,216 |
| Net loans and leases to core deposits | 76.6239% | 5,123 |
| Total domestic deposits to total assets | 91.8406% | 252 |
| Equity capital to assets | 7.8843% | 6,861 |
| Core capital (leverage) ratio | 7.6864% | 6,627 |
| Tier 1 risk-based capital ratio | 10.5257% | 6,664 |
| Total risk-based capital ratio | 11.6982% | 6,708 |
| Memoranda: | ||
| Average total assets | $209,920,000 | 3,051 |
| Average earning assets | $189,033,670 | 3,078 |
| Average equity | $16,421,670 | 3,734 |
| Average total loans | $151,473,330 | 2,808 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4785% | 374 |
| Cost of funding earning assets | 1.6731% | 2,523 |
| Net interest margin | 4.8055% | 636 |
| Noninterest income to average assets | 0.6922% | 2,653 |
| Noninterest expense to average assets | 2.4158% | 6,031 |
| Loan and lease loss provision to assets | 0.2449% | 4,089 |
| Net operating income to assets | 2.3221% | 202 |
| Return on assets (ROA) | 2.4525% | 177 |
| Pretax return on assets | 2.5007% | 254 |
| Return on Equity (ROE) | 31.4783% | 76 |
| Retained earnings to average equity (ytd only) | 20.5896% | 182 |
| Net charge-offs to loans | 0.0425% | 4,997 |
| Credit loss provision to net charge-offs | 793.7500% | 573 |
| Earnings coverage of net charge-offs (x) | 84.6875% | 376 |
| Efficiency ratio | 48.0445% | 7,436 |
| Assets per employee ($millions) | 3.4960% | 5,038 |
| Cash dividends to net income (ytd only)* | 34.5912% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 6,215 |
| Loan loss allowance to noncurrent loans | 655.9184% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.2741% | 6,794 |
| Noncurrent loans to loans | 0.1606% | 7,018 |
| Net loans and leases to total assets | 71.9745% | 2,453 |
| Net loans and leases to deposits | 78.3697% | 3,969 |
| Net loans and leases to core deposits | 90.9257% | 3,239 |
| Total domestic deposits to total assets | 91.8397% | 279 |
| Equity capital to assets | 7.8991% | 6,758 |
| Core capital (leverage) ratio | 7.7407% | 6,582 |
| Tier 1 risk-based capital ratio | 10.2524% | 6,841 |
| Total risk-based capital ratio | 11.2653% | 7,012 |
| Memoranda: | ||
| Average total assets | $207,463,500 | 3,124 |
| Average earning assets | $187,203,000 | 3,158 |
| Average equity | $16,163,500 | 3,806 |
| Average total loans | $150,700,000 | 2,881 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7391% | 425 |
| Cost of funding earning assets | 2.0110% | 2,914 |
| Net interest margin | 4.7281% | 801 |
| Noninterest income to average assets | 0.7433% | 2,716 |
| Noninterest expense to average assets | 2.7380% | 5,202 |
| Loan and lease loss provision to assets | 1.0222% | 2,231 |
| Net operating income to assets | 1.1970% | 1,255 |
| Return on assets (ROA) | 1.3630% | 965 |
| Pretax return on assets | 1.4039% | 1,431 |
| Return on Equity (ROE) | 17.8106% | 381 |
| Retained earnings to average equity (ytd only) | 8.9762% | 502 |
| Net charge-offs to loans | 0.7162% | 3,039 |
| Credit loss provision to net charge-offs | 197.0090% | 2,004 |
| Earnings coverage of net charge-offs (x) | 4.3460% | 2,980 |
| Efficiency ratio | 54.8384% | 7,148 |
| Assets per employee ($millions) | 3.4195% | 5,210 |
| Cash dividends to net income (ytd only)* | 49.6015% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 6,343 |
| Loan loss allowance to noncurrent loans | 755.5556% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 7,051 |
| Noncurrent loans to loans | 0.1330% | 7,100 |
| Net loans and leases to total assets | 71.8065% | 2,805 |
| Net loans and leases to deposits | 78.2278% | 4,325 |
| Net loans and leases to core deposits | 112.6201% | 2,635 |
| Total domestic deposits to total assets | 91.7916% | 306 |
| Equity capital to assets | 7.6805% | 6,876 |
| Core capital (leverage) ratio | 7.6321% | 6,643 |
| Tier 1 risk-based capital ratio | 10.2599% | 6,627 |
| Total risk-based capital ratio | 11.2543% | 6,835 |
| Memoranda: | ||
| Average total assets | $193,316,600 | 3,253 |
| Average earning assets | $173,746,800 | 3,294 |
| Average equity | $14,794,600 | 4,098 |
| Average total loans | $140,035,800 | 3,083 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7477% | 465 |
| Cost of funding earning assets | 2.0612% | 3,069 |
| Net interest margin | 4.6865% | 852 |
| Noninterest income to average assets | 0.7432% | 2,745 |
| Noninterest expense to average assets | 2.7674% | 5,027 |
| Loan and lease loss provision to assets | 0.4448% | 3,679 |
| Net operating income to assets | 1.7025% | 560 |
| Return on assets (ROA) | 1.8260% | 443 |
| Pretax return on assets | 1.8695% | 700 |
| Return on Equity (ROE) | 23.8833% | 133 |
| Retained earnings to average equity (ytd only) | 11.9096% | 350 |
| Net charge-offs to loans | 0.1016% | 5,655 |
| Credit loss provision to net charge-offs | 604.7619% | 633 |
| Earnings coverage of net charge-offs (x) | 29.7516% | 941 |
| Efficiency ratio | 55.8445% | 7,019 |
| Assets per employee ($millions) | 3.2545% | 5,509 |
| Cash dividends to net income (ytd only)* | 50.1342% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7258% | 7,312 |
| Loan loss allowance to noncurrent loans | 124.1745% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 6,008 |
| Noncurrent loans to loans | 0.5845% | 6,144 |
| Net loans and leases to total assets | 73.7627% | 2,597 |
| Net loans and leases to deposits | 80.7005% | 4,250 |
| Net loans and leases to core deposits | 117.1283% | 2,515 |
| Total domestic deposits to total assets | 91.4031% | 278 |
| Equity capital to assets | 7.9071% | 6,941 |
| Core capital (leverage) ratio | 7.5384% | 6,929 |
| Tier 1 risk-based capital ratio | 10.2635% | 6,719 |
| Total risk-based capital ratio | 10.9934% | 7,163 |
| Memoranda: | ||
| Average total assets | $190,353,750 | 3,310 |
| Average earning assets | $171,097,000 | 3,360 |
| Average equity | $14,553,750 | 4,178 |
| Average total loans | $137,839,750 | 3,157 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6727% | 570 |
| Cost of funding earning assets | 2.1257% | 3,159 |
| Net interest margin | 4.5470% | 1,061 |
| Noninterest income to average assets | 0.8129% | 2,352 |
| Noninterest expense to average assets | 2.7851% | 5,025 |
| Loan and lease loss provision to assets | 0.1579% | 5,491 |
| Net operating income to assets | 1.9078% | 369 |
| Return on assets (ROA) | 2.0730% | 276 |
| Pretax return on assets | 2.1143% | 418 |
| Return on Equity (ROE) | 27.4366% | 99 |
| Retained earnings to average equity (ytd only) | 16.1169% | 156 |
| Net charge-offs to loans | 0.0044% | 6,549 |
| Credit loss provision to net charge-offs | 4,966.6667% | 100 |
| Earnings coverage of net charge-offs (x) | 661.6667% | 44 |
| Efficiency ratio | 56.9694% | 6,996 |
| Assets per employee ($millions) | 3.2499% | 5,452 |
| Cash dividends to net income (ytd only)* | 41.2577% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4802% | 7,812 |
| Loan loss allowance to noncurrent loans | 363.5870% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 6,307 |
| Noncurrent loans to loans | 0.1321% | 7,188 |
| Net loans and leases to total assets | 71.1077% | 3,443 |
| Net loans and leases to deposits | 77.4362% | 4,953 |
| Net loans and leases to core deposits | 112.1478% | 3,119 |
| Total domestic deposits to total assets | 91.8274% | 240 |
| Equity capital to assets | 7.5321% | 7,236 |
| Core capital (leverage) ratio | 7.4427% | 7,089 |
| Tier 1 risk-based capital ratio | 10.4092% | 6,467 |
| Total risk-based capital ratio | 10.8844% | 7,237 |
| Memoranda: | ||
| Average total assets | $188,715,670 | 3,350 |
| Average earning assets | $169,168,000 | 3,403 |
| Average equity | $14,258,330 | 4,252 |
| Average total loans | $135,423,670 | 3,239 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4920% | 881 |
| Cost of funding earning assets | 2.1856% | 3,235 |
| Net interest margin | 4.3064% | 1,583 |
| Noninterest income to average assets | 0.7910% | 2,374 |
| Noninterest expense to average assets | 2.8107% | 4,512 |
| Loan and lease loss provision to assets | 0.2026% | 4,419 |
| Net operating income to assets | 1.6104% | 771 |
| Return on assets (ROA) | 1.9421% | 440 |
| Pretax return on assets | 1.9895% | 675 |
| Return on Equity (ROE) | 25.6622% | 169 |
| Retained earnings to average equity (ytd only) | 14.0701% | 512 |
| Net charge-offs to loans | 0.0150% | 5,376 |
| Credit loss provision to net charge-offs | 1,880.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 248 |
| Efficiency ratio | 60.2588% | 6,363 |
| Assets per employee ($millions) | 3.0018% | 6,144 |
| Cash dividends to net income (ytd only)* | 45.1720% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4477% | 7,897 |
| Loan loss allowance to noncurrent loans | 194.2857% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.5914% | 5,704 |
| Noncurrent loans to loans | 0.2304% | 6,874 |
| Net loans and leases to total assets | 69.7507% | 3,736 |
| Net loans and leases to deposits | 75.7104% | 5,256 |
| Net loans and leases to core deposits | 105.3881% | 3,985 |
| Total domestic deposits to total assets | 92.1282% | 164 |
| Equity capital to assets | 7.2747% | 7,511 |
| Core capital (leverage) ratio | 7.4743% | 7,186 |
| Tier 1 risk-based capital ratio | 10.1541% | 6,756 |
| Total risk-based capital ratio | 10.5980% | 7,511 |
| Memoranda: | ||
| Average total assets | $185,577,000 | 3,416 |
| Average earning assets | $166,913,500 | 3,465 |
| Average equity | $14,044,000 | 4,325 |
| Average total loans | $133,473,500 | 3,295 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2217% | 705 |
| Cost of funding earning assets | 2.7710% | 2,828 |
| Net interest margin | 4.4506% | 1,536 |
| Noninterest income to average assets | 0.8730% | 2,090 |
| Noninterest expense to average assets | 2.8933% | 4,470 |
| Loan and lease loss provision to assets | 0.2581% | 4,338 |
| Net operating income to assets | 1.7029% | 672 |
| Return on assets (ROA) | 1.8168% | 515 |
| Pretax return on assets | 1.8386% | 868 |
| Return on Equity (ROE) | 23.7827% | 179 |
| Retained earnings to average equity (ytd only) | 12.5139% | 193 |
| Net charge-offs to loans | 0.2049% | 4,154 |
| Credit loss provision to net charge-offs | 174.5902% | 2,914 |
| Earnings coverage of net charge-offs (x) | 13.4057% | 2,131 |
| Efficiency ratio | 59.3513% | 6,464 |
| Assets per employee ($millions) | 2.7083% | 6,767 |
| Cash dividends to net income (ytd only)* | 47.3825% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4016% | 7,972 |
| Loan loss allowance to noncurrent loans | 215.2263% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.7356% | 5,014 |
| Noncurrent loans to loans | 0.1866% | 6,831 |
| Net loans and leases to total assets | 73.6871% | 3,188 |
| Net loans and leases to deposits | 83.8204% | 4,450 |
| Net loans and leases to core deposits | 112.3498% | 3,528 |
| Total domestic deposits to total assets | 87.9106% | 1,508 |
| Equity capital to assets | 7.8926% | 6,980 |
| Core capital (leverage) ratio | 7.7583% | 6,853 |
| Tier 1 risk-based capital ratio | 10.3112% | 6,404 |
| Total risk-based capital ratio | 10.7105% | 7,266 |
| Memoranda: | ||
| Average total assets | $165,070,000 | 3,628 |
| Average earning assets | $148,428,400 | 3,686 |
| Average equity | $12,610,000 | 4,673 |
| Average total loans | $119,063,000 | 3,490 |