Home > Foothills Bank & Trust > Performance and Condition Ratios
Foothills Bank & Trust, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4578% | 2,441 |
| Cost of funding earning assets | 0.6843% | 1,950 |
| Net interest margin | 3.7735% | 2,740 |
| Noninterest income to average assets | 0.1971% | 4,797 |
| Noninterest expense to average assets | 2.2401% | 4,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1389% | 2,497 |
| Return on assets (ROA) | 1.1389% | 2,509 |
| Pretax return on assets | 1.5418% | 1,763 |
| Return on Equity (ROE) | 11.7197% | 1,898 |
| Retained earnings to average equity (ytd only) | 8.5402% | 1,403 |
| Net charge-offs to loans | -0.0233% | 4,674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2320% | 3,929 |
| Assets per employee ($millions) | 7.0721% | 908 |
| Cash dividends to net income (ytd only)* | 27.1297% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 1,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 71.6263% | 2,386 |
| Net loans and leases to deposits | 82.6204% | 2,756 |
| Net loans and leases to core deposits | 88.2419% | 2,830 |
| Total domestic deposits to total assets | 86.6933% | 1,871 |
| Equity capital to assets | 9.8232% | 3,803 |
| Core capital (leverage) ratio | 10.2407% | 3,355 |
| Tier 1 risk-based capital ratio | 14.1102% | 3,314 |
| Total risk-based capital ratio | 15.3643% | 3,227 |
| Memoranda: | ||
| Average total assets | $215,758,000 | 2,740 |
| Average earning assets | $204,970,250 | 2,694 |
| Average equity | $20,967,000 | 3,017 |
| Average total loans | $154,743,000 | 2,600 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4063% | 2,392 |
| Cost of funding earning assets | 0.5981% | 2,236 |
| Net interest margin | 3.8082% | 2,539 |
| Noninterest income to average assets | 0.1957% | 4,844 |
| Noninterest expense to average assets | 2.2647% | 4,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1454% | 2,413 |
| Return on assets (ROA) | 1.1454% | 2,417 |
| Pretax return on assets | 1.5508% | 1,657 |
| Return on Equity (ROE) | 11.8302% | 1,789 |
| Retained earnings to average equity (ytd only) | 7.0173% | 2,063 |
| Net charge-offs to loans | -0.0261% | 4,685 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3552% | 4,035 |
| Assets per employee ($millions) | 6.8804% | 973 |
| Cash dividends to net income (ytd only)* | 40.6835% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 1,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 71.0260% | 2,432 |
| Net loans and leases to deposits | 83.5877% | 2,581 |
| Net loans and leases to core deposits | 86.9406% | 2,829 |
| Total domestic deposits to total assets | 84.9718% | 2,690 |
| Equity capital to assets | 9.5307% | 4,067 |
| Core capital (leverage) ratio | 9.9530% | 3,629 |
| Tier 1 risk-based capital ratio | 13.7335% | 3,487 |
| Total risk-based capital ratio | 14.9868% | 3,395 |
| Memoranda: | ||
| Average total assets | $214,599,000 | 2,773 |
| Average earning assets | $203,978,670 | 2,715 |
| Average equity | $20,777,330 | 3,055 |
| Average total loans | $153,187,330 | 2,635 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3854% | 2,244 |
| Cost of funding earning assets | 0.5561% | 2,347 |
| Net interest margin | 3.8293% | 2,305 |
| Noninterest income to average assets | 0.2040% | 4,806 |
| Noninterest expense to average assets | 2.2775% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1671% | 2,149 |
| Return on assets (ROA) | 1.1671% | 2,160 |
| Pretax return on assets | 1.5806% | 1,451 |
| Return on Equity (ROE) | 11.9570% | 1,592 |
| Retained earnings to average equity (ytd only) | 7.1201% | 2,226 |
| Net charge-offs to loans | -0.0319% | 4,770 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0308% | 4,211 |
| Assets per employee ($millions) | 6.7055% | 1,090 |
| Cash dividends to net income (ytd only)* | 40.4531% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 1,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 70.2171% | 2,447 |
| Net loans and leases to deposits | 78.5606% | 2,958 |
| Net loans and leases to core deposits | 83.9859% | 2,979 |
| Total domestic deposits to total assets | 89.3795% | 930 |
| Equity capital to assets | 9.6432% | 3,949 |
| Core capital (leverage) ratio | 10.0258% | 3,504 |
| Tier 1 risk-based capital ratio | 13.9299% | 3,410 |
| Total risk-based capital ratio | 15.1834% | 3,331 |
| Memoranda: | ||
| Average total assets | $211,812,000 | 2,825 |
| Average earning assets | $202,127,000 | 2,766 |
| Average equity | $20,674,000 | 3,091 |
| Average total loans | $150,404,500 | 2,683 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0504% | 3,245 |
| Cost of funding earning assets | 0.4811% | 2,493 |
| Net interest margin | 3.5693% | 3,270 |
| Noninterest income to average assets | 0.2288% | 4,773 |
| Noninterest expense to average assets | 2.2730% | 4,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7182% | 3,526 |
| Return on assets (ROA) | 0.7182% | 3,570 |
| Pretax return on assets | 1.3476% | 2,181 |
| Return on Equity (ROE) | 7.3414% | 3,102 |
| Retained earnings to average equity (ytd only) | 3.6633% | 3,054 |
| Net charge-offs to loans | 0.0855% | 2,240 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 22.4720% | 1,847 |
| Efficiency ratio | 62.7799% | 3,817 |
| Assets per employee ($millions) | 6.5328% | 1,194 |
| Cash dividends to net income (ytd only)* | 50.1002% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5923% | 1,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 69.5639% | 2,593 |
| Net loans and leases to deposits | 79.6506% | 2,955 |
| Net loans and leases to core deposits | 84.3525% | 3,031 |
| Total domestic deposits to total assets | 87.3364% | 1,845 |
| Equity capital to assets | 9.8810% | 3,842 |
| Core capital (leverage) ratio | 9.9935% | 3,462 |
| Tier 1 risk-based capital ratio | 14.0568% | 3,331 |
| Total risk-based capital ratio | 15.3110% | 3,226 |
| Memoranda: | ||
| Average total assets | $208,449,400 | 2,838 |
| Average earning assets | $198,078,200 | 2,789 |
| Average equity | $20,391,200 | 3,098 |
| Average total loans | $146,197,400 | 2,693 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9976% | 3,369 |
| Cost of funding earning assets | 0.4746% | 2,484 |
| Net interest margin | 3.5230% | 3,414 |
| Noninterest income to average assets | 0.2298% | 4,838 |
| Noninterest expense to average assets | 2.3011% | 4,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7988% | 3,527 |
| Return on assets (ROA) | 0.7988% | 3,576 |
| Pretax return on assets | 1.2738% | 2,610 |
| Return on Equity (ROE) | 8.1868% | 3,028 |
| Retained earnings to average equity (ytd only) | 3.2668% | 3,979 |
| Net charge-offs to loans | 0.1198% | 1,593 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 15.1911% | 2,246 |
| Efficiency ratio | 64.3688% | 3,474 |
| Assets per employee ($millions) | 6.5658% | 1,142 |
| Cash dividends to net income (ytd only)* | 60.0964% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 1,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 67.6962% | 2,885 |
| Net loans and leases to deposits | 75.9905% | 3,378 |
| Net loans and leases to core deposits | 80.2122% | 3,436 |
| Total domestic deposits to total assets | 89.0850% | 838 |
| Equity capital to assets | 9.8132% | 4,132 |
| Core capital (leverage) ratio | 9.9503% | 3,629 |
| Tier 1 risk-based capital ratio | 14.2751% | 3,316 |
| Total risk-based capital ratio | 15.5299% | 3,211 |
| Memoranda: | ||
| Average total assets | $208,299,750 | 2,859 |
| Average earning assets | $197,779,500 | 2,816 |
| Average equity | $20,325,000 | 3,128 |
| Average total loans | $145,803,000 | 2,717 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9459% | 3,384 |
| Cost of funding earning assets | 0.4662% | 2,447 |
| Net interest margin | 3.4796% | 3,472 |
| Noninterest income to average assets | 0.2022% | 5,037 |
| Noninterest expense to average assets | 2.2658% | 4,433 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7655% | 3,566 |
| Return on assets (ROA) | 0.7655% | 3,614 |
| Pretax return on assets | 1.2422% | 2,615 |
| Return on Equity (ROE) | 7.8607% | 3,116 |
| Retained earnings to average equity (ytd only) | 2.9168% | 3,979 |
| Net charge-offs to loans | 0.1819% | 1,093 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 9.6992% | 2,405 |
| Efficiency ratio | 64.5896% | 3,571 |
| Assets per employee ($millions) | 6.4473% | 1,187 |
| Cash dividends to net income (ytd only)* | 62.8931% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6272% | 1,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 68.7149% | 2,703 |
| Net loans and leases to deposits | 77.1525% | 3,205 |
| Net loans and leases to core deposits | 81.3360% | 3,312 |
| Total domestic deposits to total assets | 89.0637% | 925 |
| Equity capital to assets | 9.9073% | 4,023 |
| Core capital (leverage) ratio | 9.8412% | 3,728 |
| Tier 1 risk-based capital ratio | 14.1006% | 3,375 |
| Total risk-based capital ratio | 15.3552% | 3,283 |
| Memoranda: | ||
| Average total assets | $207,698,000 | 2,877 |
| Average earning assets | $197,321,000 | 2,837 |
| Average equity | $20,227,330 | 3,136 |
| Average total loans | $146,210,670 | 2,711 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8974% | 3,410 |
| Cost of funding earning assets | 0.4523% | 2,507 |
| Net interest margin | 3.4451% | 3,468 |
| Noninterest income to average assets | 0.2073% | 5,030 |
| Noninterest expense to average assets | 2.2784% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7428% | 3,508 |
| Return on assets (ROA) | 0.7428% | 3,560 |
| Pretax return on assets | 1.2035% | 2,583 |
| Return on Equity (ROE) | 7.6935% | 3,076 |
| Retained earnings to average equity (ytd only) | 2.7235% | 4,048 |
| Net charge-offs to loans | -0.0217% | 4,785 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4355% | 3,583 |
| Assets per employee ($millions) | 6.6221% | 1,123 |
| Cash dividends to net income (ytd only)* | 64.5995% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6686% | 1,212 |
| Loan loss allowance to noncurrent loans | 1,714.4828% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 5,001 |
| Noncurrent loans to loans | 0.0973% | 4,802 |
| Net loans and leases to total assets | 69.1344% | 2,511 |
| Net loans and leases to deposits | 79.4787% | 2,811 |
| Net loans and leases to core deposits | 81.6597% | 3,120 |
| Total domestic deposits to total assets | 86.9848% | 2,219 |
| Equity capital to assets | 9.5288% | 4,260 |
| Core capital (leverage) ratio | 9.7933% | 3,763 |
| Tier 1 risk-based capital ratio | 13.4052% | 3,834 |
| Total risk-based capital ratio | 14.6601% | 3,749 |
| Memoranda: | ||
| Average total assets | $208,391,000 | 2,904 |
| Average earning assets | $198,080,000 | 2,848 |
| Average equity | $20,121,000 | 3,153 |
| Average total loans | $147,260,000 | 2,728 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9339% | 3,445 |
| Cost of funding earning assets | 0.4944% | 2,130 |
| Net interest margin | 3.4395% | 3,666 |
| Noninterest income to average assets | 0.2342% | 5,009 |
| Noninterest expense to average assets | 2.2501% | 4,650 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7858% | 3,373 |
| Return on assets (ROA) | 0.8199% | 3,309 |
| Pretax return on assets | 1.3196% | 2,211 |
| Return on Equity (ROE) | 8.5030% | 2,673 |
| Retained earnings to average equity (ytd only) | 2.5185% | 4,084 |
| Net charge-offs to loans | 0.0867% | 2,459 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 20.8968% | 1,827 |
| Efficiency ratio | 63.9907% | 3,942 |
| Assets per employee ($millions) | 6.2084% | 1,328 |
| Cash dividends to net income (ytd only)* | 70.3812% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7027% | 1,130 |
| Loan loss allowance to noncurrent loans | 1,745.0704% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 5,054 |
| Noncurrent loans to loans | 0.0976% | 4,849 |
| Net loans and leases to total assets | 69.8257% | 2,508 |
| Net loans and leases to deposits | 79.7103% | 2,917 |
| Net loans and leases to core deposits | 82.0708% | 3,204 |
| Total domestic deposits to total assets | 87.5993% | 1,830 |
| Equity capital to assets | 9.7864% | 3,957 |
| Core capital (leverage) ratio | 9.6978% | 3,861 |
| Tier 1 risk-based capital ratio | 13.6976% | 3,649 |
| Total risk-based capital ratio | 14.9533% | 3,554 |
| Memoranda: | ||
| Average total assets | $207,943,400 | 2,878 |
| Average earning assets | $198,431,000 | 2,808 |
| Average equity | $20,051,800 | 3,167 |
| Average total loans | $145,383,800 | 2,709 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 3,397 |
| Cost of funding earning assets | 0.4991% | 2,110 |
| Net interest margin | 3.4555% | 3,648 |
| Noninterest income to average assets | 0.2249% | 5,125 |
| Noninterest expense to average assets | 2.2455% | 4,658 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7877% | 3,425 |
| Return on assets (ROA) | 0.8330% | 3,354 |
| Pretax return on assets | 1.3498% | 2,238 |
| Return on Equity (ROE) | 8.6704% | 2,680 |
| Retained earnings to average equity (ytd only) | 2.3538% | 4,502 |
| Net charge-offs to loans | 0.0211% | 3,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 87.0320% | 722 |
| Efficiency ratio | 63.7122% | 3,966 |
| Assets per employee ($millions) | 6.3091% | 1,225 |
| Cash dividends to net income (ytd only)* | 72.8532% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7230% | 1,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 70.7091% | 2,390 |
| Net loans and leases to deposits | 80.8334% | 2,875 |
| Net loans and leases to core deposits | 83.5174% | 3,177 |
| Total domestic deposits to total assets | 87.4751% | 1,681 |
| Equity capital to assets | 9.7382% | 4,429 |
| Core capital (leverage) ratio | 9.4012% | 4,325 |
| Tier 1 risk-based capital ratio | 13.1671% | 4,055 |
| Total risk-based capital ratio | 14.4226% | 3,957 |
| Memoranda: | ||
| Average total assets | $208,710,250 | 2,882 |
| Average earning assets | $199,288,500 | 2,813 |
| Average equity | $20,052,250 | 3,188 |
| Average total loans | $145,346,250 | 2,704 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8820% | 3,652 |
| Cost of funding earning assets | 0.4849% | 2,230 |
| Net interest margin | 3.3971% | 3,907 |
| Noninterest income to average assets | 0.2193% | 5,175 |
| Noninterest expense to average assets | 2.2147% | 4,810 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7698% | 3,447 |
| Return on assets (ROA) | 0.8378% | 3,277 |
| Pretax return on assets | 1.3577% | 2,176 |
| Return on Equity (ROE) | 8.7596% | 2,605 |
| Retained earnings to average equity (ytd only) | 2.7530% | 4,148 |
| Net charge-offs to loans | 0.0473% | 2,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 38.4412% | 1,183 |
| Efficiency ratio | 63.8950% | 4,038 |
| Assets per employee ($millions) | 6.3993% | 1,135 |
| Cash dividends to net income (ytd only)* | 68.5714% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7648% | 1,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 67.7407% | 2,818 |
| Net loans and leases to deposits | 78.0856% | 3,152 |
| Net loans and leases to core deposits | 80.4363% | 3,422 |
| Total domestic deposits to total assets | 86.7518% | 2,038 |
| Equity capital to assets | 9.6038% | 4,666 |
| Core capital (leverage) ratio | 9.5090% | 4,198 |
| Tier 1 risk-based capital ratio | 13.6156% | 3,827 |
| Total risk-based capital ratio | 14.8719% | 3,746 |
| Memoranda: | ||
| Average total assets | $208,880,000 | 2,898 |
| Average earning assets | $199,640,330 | 2,817 |
| Average equity | $19,978,000 | 3,202 |
| Average total loans | $143,862,330 | 2,722 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8312% | 3,836 |
| Cost of funding earning assets | 0.4852% | 2,231 |
| Net interest margin | 3.3460% | 4,060 |
| Noninterest income to average assets | 0.2022% | 5,290 |
| Noninterest expense to average assets | 2.1759% | 4,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7528% | 3,471 |
| Return on assets (ROA) | 0.8896% | 2,934 |
| Pretax return on assets | 1.4403% | 1,777 |
| Return on Equity (ROE) | 9.3209% | 2,277 |
| Retained earnings to average equity (ytd only) | 3.2684% | 3,860 |
| Net charge-offs to loans | 0.1119% | 1,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 15.9250% | 1,647 |
| Efficiency ratio | 63.9502% | 4,133 |
| Assets per employee ($millions) | 6.5066% | 1,108 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7929% | 1,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 67.4538% | 2,739 |
| Net loans and leases to deposits | 77.6401% | 3,040 |
| Net loans and leases to core deposits | 79.8898% | 3,333 |
| Total domestic deposits to total assets | 86.8802% | 2,258 |
| Equity capital to assets | 9.6171% | 4,550 |
| Core capital (leverage) ratio | 9.5522% | 4,100 |
| Tier 1 risk-based capital ratio | 13.7894% | 3,820 |
| Total risk-based capital ratio | 15.0460% | 3,751 |
| Memoranda: | ||
| Average total assets | $207,732,000 | 2,913 |
| Average earning assets | $198,684,500 | 2,833 |
| Average equity | $19,826,500 | 3,220 |
| Average total loans | $142,982,500 | 2,736 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8884% | 3,747 |
| Cost of funding earning assets | 0.4904% | 2,250 |
| Net interest margin | 3.3980% | 3,923 |
| Noninterest income to average assets | 0.2478% | 5,113 |
| Noninterest expense to average assets | 2.2757% | 4,858 |
| Loan and lease loss provision to assets | 0.0748% | 2,773 |
| Net operating income to assets | 0.7052% | 3,784 |
| Return on assets (ROA) | 0.7534% | 3,653 |
| Pretax return on assets | 1.2236% | 2,578 |
| Return on Equity (ROE) | 7.6684% | 3,152 |
| Retained earnings to average equity (ytd only) | 2.1214% | 4,512 |
| Net charge-offs to loans | 0.0022% | 4,400 |
| Credit loss provision to net charge-offs | 5,000.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 817.6667% | 77 |
| Efficiency ratio | 65.0420% | 4,072 |
| Assets per employee ($millions) | 6.2804% | 1,214 |
| Cash dividends to net income (ytd only)* | 72.3362% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8216% | 1,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 67.7195% | 2,748 |
| Net loans and leases to deposits | 79.7765% | 2,843 |
| Net loans and leases to core deposits | 82.1207% | 3,134 |
| Total domestic deposits to total assets | 84.8865% | 3,142 |
| Equity capital to assets | 9.4711% | 4,587 |
| Core capital (leverage) ratio | 9.4720% | 4,219 |
| Tier 1 risk-based capital ratio | 13.5642% | 3,969 |
| Total risk-based capital ratio | 14.8210% | 3,902 |
| Memoranda: | ||
| Average total assets | $200,558,000 | 2,948 |
| Average earning assets | $191,877,600 | 2,873 |
| Average equity | $19,704,200 | 3,205 |
| Average total loans | $138,990,600 | 2,734 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8545% | 3,918 |
| Cost of funding earning assets | 0.4902% | 2,314 |
| Net interest margin | 3.3643% | 4,093 |
| Noninterest income to average assets | 0.2574% | 5,097 |
| Noninterest expense to average assets | 2.3155% | 4,741 |
| Loan and lease loss provision to assets | 0.1006% | 2,171 |
| Net operating income to assets | 0.6539% | 4,109 |
| Return on assets (ROA) | 0.7187% | 3,927 |
| Pretax return on assets | 1.1631% | 2,954 |
| Return on Equity (ROE) | 7.2469% | 3,498 |
| Retained earnings to average equity (ytd only) | 4.5901% | 3,206 |
| Net charge-offs to loans | -0.0135% | 5,074 |
| Credit loss provision to net charge-offs | -1,071.4286% | 5,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5767% | 3,789 |
| Assets per employee ($millions) | 6.4093% | 1,110 |
| Cash dividends to net income (ytd only)* | 36.6606% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8457% | 1,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 67.9613% | 2,682 |
| Net loans and leases to deposits | 78.6765% | 3,021 |
| Net loans and leases to core deposits | 82.1602% | 3,234 |
| Total domestic deposits to total assets | 86.3807% | 2,339 |
| Equity capital to assets | 9.8084% | 4,380 |
| Core capital (leverage) ratio | 9.8047% | 3,893 |
| Tier 1 risk-based capital ratio | 13.9213% | 3,893 |
| Total risk-based capital ratio | 15.1786% | 3,828 |
| Memoranda: | ||
| Average total assets | $198,884,500 | 2,979 |
| Average earning assets | $190,387,250 | 2,912 |
| Average equity | $19,723,000 | 3,231 |
| Average total loans | $137,999,750 | 2,768 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8310% | 3,951 |
| Cost of funding earning assets | 0.4891% | 2,359 |
| Net interest margin | 3.3419% | 4,136 |
| Noninterest income to average assets | 0.2358% | 5,271 |
| Noninterest expense to average assets | 2.3139% | 4,808 |
| Loan and lease loss provision to assets | 0.1524% | 1,394 |
| Net operating income to assets | 0.5959% | 4,367 |
| Return on assets (ROA) | 0.6941% | 4,033 |
| Pretax return on assets | 1.1239% | 3,077 |
| Return on Equity (ROE) | 6.9724% | 3,627 |
| Retained earnings to average equity (ytd only) | 5.0021% | 2,864 |
| Net charge-offs to loans | -0.0161% | 5,088 |
| Credit loss provision to net charge-offs | -1,363.6364% | 5,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3270% | 3,784 |
| Assets per employee ($millions) | 6.2979% | 1,159 |
| Cash dividends to net income (ytd only)* | 28.2577% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9124% | 1,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 66.6265% | 2,847 |
| Net loans and leases to deposits | 77.9549% | 3,034 |
| Net loans and leases to core deposits | 82.7606% | 3,104 |
| Total domestic deposits to total assets | 85.4680% | 2,938 |
| Equity capital to assets | 9.7557% | 4,335 |
| Core capital (leverage) ratio | 9.8613% | 3,786 |
| Tier 1 risk-based capital ratio | 13.7285% | 4,078 |
| Total risk-based capital ratio | 14.9859% | 4,015 |
| Memoranda: | ||
| Average total assets | $196,813,000 | 3,023 |
| Average earning assets | $188,513,330 | 2,946 |
| Average equity | $19,591,670 | 3,264 |
| Average total loans | $136,663,330 | 2,798 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7914% | 4,046 |
| Cost of funding earning assets | 0.4822% | 2,434 |
| Net interest margin | 3.3092% | 4,176 |
| Noninterest income to average assets | 0.2427% | 5,234 |
| Noninterest expense to average assets | 2.3409% | 4,767 |
| Loan and lease loss provision to assets | 0.3086% | 455 |
| Net operating income to assets | 0.4697% | 4,799 |
| Return on assets (ROA) | 0.6685% | 4,085 |
| Pretax return on assets | 1.0800% | 3,164 |
| Return on Equity (ROE) | 6.6472% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.6472% | 2,164 |
| Net charge-offs to loans | -0.0029% | 4,390 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4717% | 3,743 |
| Assets per employee ($millions) | 6.1730% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9124% | 1,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 67.7158% | 2,496 |
| Net loans and leases to deposits | 78.8413% | 2,702 |
| Net loans and leases to core deposits | 83.7207% | 2,808 |
| Total domestic deposits to total assets | 85.8886% | 3,001 |
| Equity capital to assets | 10.0402% | 4,105 |
| Core capital (leverage) ratio | 10.1131% | 3,453 |
| Tier 1 risk-based capital ratio | 13.8986% | 4,089 |
| Total risk-based capital ratio | 15.1560% | 4,011 |
| Memoranda: | ||
| Average total assets | $194,452,500 | 3,067 |
| Average earning assets | $186,631,500 | 2,978 |
| Average equity | $19,557,000 | 3,281 |
| Average total loans | $136,548,500 | 2,796 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0484% | 3,530 |
| Cost of funding earning assets | 0.5348% | 2,336 |
| Net interest margin | 3.5136% | 3,743 |
| Noninterest income to average assets | 0.2237% | 5,525 |
| Noninterest expense to average assets | 2.4814% | 4,607 |
| Loan and lease loss provision to assets | 0.1590% | 1,651 |
| Net operating income to assets | 0.5723% | 4,498 |
| Return on assets (ROA) | 0.5750% | 4,568 |
| Pretax return on assets | 0.9339% | 3,767 |
| Return on Equity (ROE) | 5.9360% | 4,182 |
| Retained earnings to average equity (ytd only) | 5.1700% | 2,485 |
| Net charge-offs to loans | 0.3084% | 1,428 |
| Credit loss provision to net charge-offs | 73.3496% | 2,994 |
| Earnings coverage of net charge-offs (x) | 5.0220% | 3,517 |
| Efficiency ratio | 69.5071% | 3,629 |
| Assets per employee ($millions) | 5.9803% | 1,392 |
| Cash dividends to net income (ytd only)* | 12.9032% | 4,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7970% | 1,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 70.1624% | 2,211 |
| Net loans and leases to deposits | 82.8975% | 2,353 |
| Net loans and leases to core deposits | 88.4594% | 2,453 |
| Total domestic deposits to total assets | 84.6375% | 3,444 |
| Equity capital to assets | 10.0753% | 4,013 |
| Core capital (leverage) ratio | 9.8782% | 3,738 |
| Tier 1 risk-based capital ratio | 13.9679% | 4,113 |
| Total risk-based capital ratio | 15.2246% | 4,035 |
| Memoranda: | ||
| Average total assets | $188,681,200 | 3,115 |
| Average earning assets | $179,701,200 | 3,050 |
| Average equity | $18,278,400 | 3,368 |
| Average total loans | $132,635,800 | 2,814 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9758% | 3,852 |
| Cost of funding earning assets | 0.5396% | 2,378 |
| Net interest margin | 3.4362% | 4,087 |
| Noninterest income to average assets | 0.2262% | 5,575 |
| Noninterest expense to average assets | 2.5076% | 4,506 |
| Loan and lease loss provision to assets | 0.0886% | 2,580 |
| Net operating income to assets | 0.5524% | 4,666 |
| Return on assets (ROA) | 0.5560% | 4,729 |
| Pretax return on assets | 0.9006% | 3,982 |
| Return on Equity (ROE) | 5.7983% | 4,342 |
| Retained earnings to average equity (ytd only) | 4.7629% | 3,232 |
| Net charge-offs to loans | 0.3110% | 1,281 |
| Credit loss provision to net charge-offs | 40.7166% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.5180% | 3,439 |
| Efficiency ratio | 71.8261% | 3,214 |
| Assets per employee ($millions) | 5.9286% | 1,382 |
| Cash dividends to net income (ytd only)* | 17.8569% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 1,759 |
| Loan loss allowance to noncurrent loans | 2,228.0374% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 5,928 |
| Noncurrent loans to loans | 0.0795% | 5,707 |
| Net loans and leases to total assets | 67.5514% | 2,605 |
| Net loans and leases to deposits | 78.3771% | 2,907 |
| Net loans and leases to core deposits | 83.5420% | 2,938 |
| Total domestic deposits to total assets | 86.1877% | 2,764 |
| Equity capital to assets | 9.5857% | 4,684 |
| Core capital (leverage) ratio | 9.7396% | 4,012 |
| Tier 1 risk-based capital ratio | 13.8856% | 4,298 |
| Total risk-based capital ratio | 15.1416% | 4,235 |
| Memoranda: | ||
| Average total assets | $188,009,250 | 3,152 |
| Average earning assets | $178,641,750 | 3,084 |
| Average equity | $18,027,750 | 3,414 |
| Average total loans | $131,613,250 | 2,838 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 3,774 |
| Cost of funding earning assets | 0.5502% | 2,348 |
| Net interest margin | 3.4377% | 4,025 |
| Noninterest income to average assets | 0.1898% | 5,822 |
| Noninterest expense to average assets | 2.5148% | 4,542 |
| Loan and lease loss provision to assets | 0.1078% | 2,212 |
| Net operating income to assets | 0.5122% | 4,759 |
| Return on assets (ROA) | 0.5122% | 4,856 |
| Pretax return on assets | 0.8282% | 4,162 |
| Return on Equity (ROE) | 5.3414% | 4,512 |
| Retained earnings to average equity (ytd only) | 3.7671% | 3,790 |
| Net charge-offs to loans | 0.4134% | 983 |
| Credit loss provision to net charge-offs | 37.0370% | 2,967 |
| Earnings coverage of net charge-offs (x) | 3.2148% | 3,364 |
| Efficiency ratio | 72.8750% | 3,178 |
| Assets per employee ($millions) | 5.7837% | 1,445 |
| Cash dividends to net income (ytd only)* | 29.4737% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7884% | 1,871 |
| Loan loss allowance to noncurrent loans | 506.5539% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.4626% | 4,607 |
| Noncurrent loans to loans | 0.3530% | 4,939 |
| Net loans and leases to total assets | 68.9400% | 2,249 |
| Net loans and leases to deposits | 79.7683% | 2,546 |
| Net loans and leases to core deposits | 85.6580% | 2,552 |
| Total domestic deposits to total assets | 86.4253% | 2,806 |
| Equity capital to assets | 9.5996% | 4,626 |
| Core capital (leverage) ratio | 9.8778% | 3,775 |
| Tier 1 risk-based capital ratio | 13.8212% | 4,377 |
| Total risk-based capital ratio | 15.0759% | 4,328 |
| Memoranda: | ||
| Average total assets | $185,464,000 | 3,203 |
| Average earning assets | $175,932,330 | 3,128 |
| Average equity | $17,785,670 | 3,439 |
| Average total loans | $130,636,000 | 2,862 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9719% | 3,803 |
| Cost of funding earning assets | 0.5876% | 2,092 |
| Net interest margin | 3.3843% | 4,201 |
| Noninterest income to average assets | 0.1773% | 5,905 |
| Noninterest expense to average assets | 2.5016% | 4,622 |
| Loan and lease loss provision to assets | 0.1094% | 2,110 |
| Net operating income to assets | 0.4771% | 4,798 |
| Return on assets (ROA) | 0.4771% | 4,875 |
| Pretax return on assets | 0.7682% | 4,235 |
| Return on Equity (ROE) | 4.9779% | 4,560 |
| Retained earnings to average equity (ytd only) | 4.9779% | 3,117 |
| Net charge-offs to loans | -0.0155% | 5,221 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0285% | 3,139 |
| Assets per employee ($millions) | 5.6008% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0025% | 1,511 |
| Loan loss allowance to noncurrent loans | 415.3724% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5308% | 4,554 |
| Noncurrent loans to loans | 0.4821% | 4,714 |
| Net loans and leases to total assets | 69.3997% | 1,993 |
| Net loans and leases to deposits | 80.2447% | 2,259 |
| Net loans and leases to core deposits | 86.3676% | 2,278 |
| Total domestic deposits to total assets | 86.4851% | 3,115 |
| Equity capital to assets | 9.6735% | 4,260 |
| Core capital (leverage) ratio | 10.0305% | 3,532 |
| Tier 1 risk-based capital ratio | 14.0333% | 4,313 |
| Total risk-based capital ratio | 15.2924% | 4,240 |
| Memoranda: | ||
| Average total assets | $182,764,500 | 3,248 |
| Average earning assets | $172,916,500 | 3,181 |
| Average equity | $17,517,500 | 3,478 |
| Average total loans | $128,965,500 | 2,898 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0545% | 3,905 |
| Cost of funding earning assets | 0.6450% | 2,249 |
| Net interest margin | 3.4096% | 4,240 |
| Noninterest income to average assets | 0.2556% | 5,515 |
| Noninterest expense to average assets | 2.5080% | 4,744 |
| Loan and lease loss provision to assets | 0.2590% | 1,383 |
| Net operating income to assets | 0.4208% | 5,074 |
| Return on assets (ROA) | 0.4208% | 5,181 |
| Pretax return on assets | 0.6867% | 4,591 |
| Return on Equity (ROE) | 4.1674% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.5061% | 3,730 |
| Net charge-offs to loans | 0.0553% | 4,459 |
| Credit loss provision to net charge-offs | 661.7647% | 356 |
| Earnings coverage of net charge-offs (x) | 24.1618% | 1,376 |
| Efficiency ratio | 72.6167% | 3,364 |
| Assets per employee ($millions) | 5.4759% | 1,670 |
| Cash dividends to net income (ytd only)* | 15.8687% | 3,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0198% | 1,507 |
| Loan loss allowance to noncurrent loans | 536.8201% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 4,868 |
| Noncurrent loans to loans | 0.3763% | 5,064 |
| Net loans and leases to total assets | 68.8839% | 2,194 |
| Net loans and leases to deposits | 79.6397% | 2,503 |
| Net loans and leases to core deposits | 85.5188% | 2,504 |
| Total domestic deposits to total assets | 86.4945% | 2,991 |
| Equity capital to assets | 9.4940% | 4,433 |
| Core capital (leverage) ratio | 10.0575% | 3,490 |
| Tier 1 risk-based capital ratio | 14.2644% | 4,107 |
| Total risk-based capital ratio | 15.5237% | 4,045 |
| Memoranda: | ||
| Average total assets | $173,722,000 | 3,351 |
| Average earning assets | $162,953,000 | 3,306 |
| Average equity | $17,540,800 | 3,491 |
| Average total loans | $122,925,200 | 2,984 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0483% | 3,943 |
| Cost of funding earning assets | 0.6427% | 2,427 |
| Net interest margin | 3.4056% | 4,263 |
| Noninterest income to average assets | 0.2620% | 5,573 |
| Noninterest expense to average assets | 2.4925% | 4,746 |
| Loan and lease loss provision to assets | 0.2558% | 1,392 |
| Net operating income to assets | 0.4280% | 5,121 |
| Return on assets (ROA) | 0.4280% | 5,268 |
| Pretax return on assets | 0.7016% | 4,684 |
| Return on Equity (ROE) | 4.1729% | 5,141 |
| Retained earnings to average equity (ytd only) | 3.2960% | 4,331 |
| Net charge-offs to loans | 0.0350% | 4,441 |
| Credit loss provision to net charge-offs | 1,031.2500% | 300 |
| Earnings coverage of net charge-offs (x) | 38.5899% | 1,030 |
| Efficiency ratio | 72.2472% | 3,357 |
| Assets per employee ($millions) | 5.6791% | 1,472 |
| Cash dividends to net income (ytd only)* | 21.0142% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9726% | 1,789 |
| Loan loss allowance to noncurrent loans | 509.6509% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.5156% | 4,898 |
| Noncurrent loans to loans | 0.3871% | 5,228 |
| Net loans and leases to total assets | 67.8692% | 2,313 |
| Net loans and leases to deposits | 80.2457% | 2,376 |
| Net loans and leases to core deposits | 85.5316% | 2,463 |
| Total domestic deposits to total assets | 84.5767% | 3,941 |
| Equity capital to assets | 9.4931% | 4,563 |
| Core capital (leverage) ratio | 9.9131% | 3,795 |
| Tier 1 risk-based capital ratio | 13.8388% | 4,541 |
| Total risk-based capital ratio | 15.0973% | 4,492 |
| Memoranda: | ||
| Average total assets | $171,976,500 | 3,408 |
| Average earning assets | $160,985,750 | 3,355 |
| Average equity | $17,637,000 | 3,514 |
| Average total loans | $121,896,000 | 3,023 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0210% | 4,029 |
| Cost of funding earning assets | 0.6457% | 2,531 |
| Net interest margin | 3.3753% | 4,284 |
| Noninterest income to average assets | 0.2632% | 5,576 |
| Noninterest expense to average assets | 2.4940% | 4,758 |
| Loan and lease loss provision to assets | 0.2489% | 1,500 |
| Net operating income to assets | 0.4161% | 5,157 |
| Return on assets (ROA) | 0.4161% | 5,315 |
| Pretax return on assets | 0.6804% | 4,744 |
| Return on Equity (ROE) | 3.9515% | 5,234 |
| Retained earnings to average equity (ytd only) | 2.6456% | 4,624 |
| Net charge-offs to loans | 0.0149% | 4,545 |
| Credit loss provision to net charge-offs | 2,333.3333% | 145 |
| Earnings coverage of net charge-offs (x) | 87.1111% | 523 |
| Efficiency ratio | 72.8532% | 3,328 |
| Assets per employee ($millions) | 5.6163% | 1,484 |
| Cash dividends to net income (ytd only)* | 33.0484% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9077% | 2,092 |
| Loan loss allowance to noncurrent loans | 481.8182% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.5428% | 4,903 |
| Noncurrent loans to loans | 0.3959% | 5,279 |
| Net loans and leases to total assets | 70.4364% | 1,815 |
| Net loans and leases to deposits | 85.5666% | 1,613 |
| Net loans and leases to core deposits | 90.4868% | 1,866 |
| Total domestic deposits to total assets | 82.3177% | 4,940 |
| Equity capital to assets | 10.1082% | 3,777 |
| Core capital (leverage) ratio | 10.3359% | 3,061 |
| Tier 1 risk-based capital ratio | 13.8746% | 4,511 |
| Total risk-based capital ratio | 15.1374% | 4,473 |
| Memoranda: | ||
| Average total assets | $168,724,670 | 3,486 |
| Average earning assets | $157,971,330 | 3,429 |
| Average equity | $17,765,330 | 3,520 |
| Average total loans | $120,587,330 | 3,061 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0343% | 3,983 |
| Cost of funding earning assets | 0.6548% | 2,614 |
| Net interest margin | 3.3795% | 4,196 |
| Noninterest income to average assets | 0.2506% | 5,667 |
| Noninterest expense to average assets | 2.5055% | 4,726 |
| Loan and lease loss provision to assets | 0.2409% | 1,507 |
| Net operating income to assets | 0.4071% | 5,103 |
| Return on assets (ROA) | 0.4071% | 5,250 |
| Pretax return on assets | 0.6625% | 4,739 |
| Return on Equity (ROE) | 3.7874% | 5,200 |
| Retained earnings to average equity (ytd only) | 3.7874% | 3,962 |
| Net charge-offs to loans | 0.0372% | 3,506 |
| Credit loss provision to net charge-offs | 909.0909% | 337 |
| Earnings coverage of net charge-offs (x) | 34.0909% | 895 |
| Efficiency ratio | 73.4982% | 3,351 |
| Assets per employee ($millions) | 5.5592% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9189% | 2,250 |
| Loan loss allowance to noncurrent loans | 455.5110% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.5690% | 4,969 |
| Noncurrent loans to loans | 0.4213% | 5,364 |
| Net loans and leases to total assets | 69.6645% | 1,720 |
| Net loans and leases to deposits | 84.4022% | 1,544 |
| Net loans and leases to core deposits | 89.4727% | 1,759 |
| Total domestic deposits to total assets | 82.5387% | 5,013 |
| Equity capital to assets | 10.7270% | 3,285 |
| Core capital (leverage) ratio | 10.4467% | 2,850 |
| Tier 1 risk-based capital ratio | 14.7136% | 4,029 |
| Total risk-based capital ratio | 15.9720% | 3,992 |
| Memoranda: | ||
| Average total assets | $166,034,000 | 3,562 |
| Average earning assets | $155,171,000 | 3,510 |
| Average equity | $17,848,500 | 3,546 |
| Average total loans | $118,371,500 | 3,118 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 4,401 |
| Cost of funding earning assets | 0.7408% | 3,154 |
| Net interest margin | 3.5078% | 4,470 |
| Noninterest income to average assets | 0.2909% | 5,387 |
| Noninterest expense to average assets | 2.6924% | 4,422 |
| Loan and lease loss provision to assets | 0.7543% | 666 |
| Net operating income to assets | 0.5054% | 4,671 |
| Return on assets (ROA) | 0.4220% | 5,264 |
| Pretax return on assets | 0.0369% | 6,238 |
| Return on Equity (ROE) | 3.7786% | 5,239 |
| Retained earnings to average equity (ytd only) | 3.2257% | 3,951 |
| Net charge-offs to loans | 0.7387% | 1,593 |
| Credit loss provision to net charge-offs | 146.1159% | 1,867 |
| Earnings coverage of net charge-offs (x) | 1.6942% | 4,587 |
| Efficiency ratio | 75.4818% | 2,835 |
| Assets per employee ($millions) | 5.5098% | 1,678 |
| Cash dividends to net income (ytd only)* | 14.6305% | 3,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8464% | 2,449 |
| Loan loss allowance to noncurrent loans | 429.9213% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 5,030 |
| Noncurrent loans to loans | 0.4295% | 5,422 |
| Net loans and leases to total assets | 70.2407% | 1,796 |
| Net loans and leases to deposits | 84.8260% | 1,656 |
| Net loans and leases to core deposits | 89.5960% | 1,880 |
| Total domestic deposits to total assets | 82.8057% | 4,795 |
| Equity capital to assets | 10.7730% | 3,201 |
| Core capital (leverage) ratio | 10.4670% | 2,805 |
| Tier 1 risk-based capital ratio | 14.3258% | 4,149 |
| Total risk-based capital ratio | 15.5815% | 4,104 |
| Memoranda: | ||
| Average total assets | $157,109,600 | 3,669 |
| Average earning assets | $146,728,200 | 3,611 |
| Average equity | $17,546,400 | 3,529 |
| Average total loans | $109,785,200 | 3,301 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 4,728 |
| Cost of funding earning assets | 0.7608% | 3,266 |
| Net interest margin | 3.4645% | 4,788 |
| Noninterest income to average assets | 0.2975% | 5,396 |
| Noninterest expense to average assets | 2.6775% | 4,466 |
| Loan and lease loss provision to assets | 0.4084% | 1,569 |
| Net operating income to assets | 0.6294% | 4,244 |
| Return on assets (ROA) | 0.4136% | 5,419 |
| Pretax return on assets | 0.2416% | 6,063 |
| Return on Equity (ROE) | 3.6686% | 5,424 |
| Retained earnings to average equity (ytd only) | 2.9288% | 4,803 |
| Net charge-offs to loans | 0.9462% | 1,141 |
| Credit loss provision to net charge-offs | 62.1728% | 4,098 |
| Earnings coverage of net charge-offs (x) | 1.3181% | 4,637 |
| Efficiency ratio | 75.5642% | 2,740 |
| Assets per employee ($millions) | 5.0500% | 2,121 |
| Cash dividends to net income (ytd only)* | 20.1662% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 4,575 |
| Loan loss allowance to noncurrent loans | 296.4912% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.7432% | 4,831 |
| Noncurrent loans to loans | 0.4556% | 5,535 |
| Net loans and leases to total assets | 68.7300% | 2,170 |
| Net loans and leases to deposits | 84.1372% | 1,855 |
| Net loans and leases to core deposits | 88.8500% | 2,118 |
| Total domestic deposits to total assets | 81.6880% | 5,131 |
| Equity capital to assets | 10.9264% | 3,349 |
| Core capital (leverage) ratio | 10.9117% | 2,473 |
| Tier 1 risk-based capital ratio | 14.6958% | 4,053 |
| Total risk-based capital ratio | 15.9485% | 4,016 |
| Memoranda: | ||
| Average total assets | $155,063,750 | 3,734 |
| Average earning assets | $145,279,000 | 3,669 |
| Average equity | $17,481,250 | 3,573 |
| Average total loans | $107,659,750 | 3,375 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2394% | 4,810 |
| Cost of funding earning assets | 0.7802% | 3,362 |
| Net interest margin | 3.4592% | 4,845 |
| Noninterest income to average assets | 0.2355% | 5,885 |
| Noninterest expense to average assets | 2.6477% | 4,617 |
| Loan and lease loss provision to assets | 0.3925% | 1,675 |
| Net operating income to assets | 0.4317% | 5,112 |
| Return on assets (ROA) | 0.4317% | 5,334 |
| Pretax return on assets | 0.4317% | 5,629 |
| Return on Equity (ROE) | 3.7882% | 5,365 |
| Retained earnings to average equity (ytd only) | 2.6747% | 4,845 |
| Net charge-offs to loans | 1.3432% | 781 |
| Credit loss provision to net charge-offs | 42.1348% | 4,214 |
| Earnings coverage of net charge-offs (x) | 0.8848% | 4,605 |
| Efficiency ratio | 76.2622% | 2,705 |
| Assets per employee ($millions) | 5.1239% | 2,001 |
| Cash dividends to net income (ytd only)* | 29.3939% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 4,903 |
| Loan loss allowance to noncurrent loans | 269.3642% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0708% | 4,244 |
| Noncurrent loans to loans | 0.4816% | 5,562 |
| Net loans and leases to total assets | 69.2038% | 2,069 |
| Net loans and leases to deposits | 84.4806% | 1,792 |
| Net loans and leases to core deposits | 89.2268% | 2,070 |
| Total domestic deposits to total assets | 81.9168% | 5,163 |
| Equity capital to assets | 11.4060% | 2,682 |
| Core capital (leverage) ratio | 11.3395% | 2,016 |
| Tier 1 risk-based capital ratio | 15.1932% | 3,634 |
| Total risk-based capital ratio | 16.4204% | 3,620 |
| Memoranda: | ||
| Average total assets | $152,885,330 | 3,788 |
| Average earning assets | $143,038,330 | 3,736 |
| Average equity | $17,422,670 | 3,579 |
| Average total loans | $106,017,000 | 3,430 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2607% | 4,885 |
| Cost of funding earning assets | 0.8124% | 3,370 |
| Net interest margin | 3.4483% | 4,921 |
| Noninterest income to average assets | 0.2492% | 5,860 |
| Noninterest expense to average assets | 2.6523% | 4,612 |
| Loan and lease loss provision to assets | 0.3935% | 1,609 |
| Net operating income to assets | 0.4329% | 5,113 |
| Return on assets (ROA) | 0.4329% | 5,300 |
| Pretax return on assets | 0.4329% | 5,637 |
| Return on Equity (ROE) | 3.8002% | 5,380 |
| Retained earnings to average equity (ytd only) | 3.8002% | 4,305 |
| Net charge-offs to loans | 0.9549% | 1,086 |
| Credit loss provision to net charge-offs | 59.7610% | 3,119 |
| Earnings coverage of net charge-offs (x) | 1.2550% | 3,707 |
| Efficiency ratio | 76.2443% | 2,755 |
| Assets per employee ($millions) | 5.0781% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 3,576 |
| Loan loss allowance to noncurrent loans | 121.9843% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 1.4743% | 3,656 |
| Noncurrent loans to loans | 1.3447% | 4,097 |
| Net loans and leases to total assets | 67.2686% | 2,235 |
| Net loans and leases to deposits | 82.4708% | 1,869 |
| Net loans and leases to core deposits | 87.1665% | 2,154 |
| Total domestic deposits to total assets | 81.5666% | 5,439 |
| Equity capital to assets | 11.4170% | 2,509 |
| Core capital (leverage) ratio | 11.3531% | 1,999 |
| Tier 1 risk-based capital ratio | 15.6432% | 3,366 |
| Total risk-based capital ratio | 16.8970% | 3,336 |
| Memoranda: | ||
| Average total assets | $152,469,500 | 3,830 |
| Average earning assets | $142,794,000 | 3,765 |
| Average equity | $17,367,500 | 3,598 |
| Average total loans | $105,137,500 | 3,477 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5558% | 4,853 |
| Cost of funding earning assets | 1.0409% | 3,088 |
| Net interest margin | 3.5148% | 5,092 |
| Noninterest income to average assets | 0.1371% | 6,467 |
| Noninterest expense to average assets | 2.7049% | 4,723 |
| Loan and lease loss provision to assets | 0.4219% | 2,484 |
| Net operating income to assets | 0.3572% | 5,045 |
| Return on assets (ROA) | 0.3572% | 5,209 |
| Pretax return on assets | 0.2939% | 5,571 |
| Return on Equity (ROE) | 2.9471% | 5,308 |
| Retained earnings to average equity (ytd only) | 2.9471% | 4,140 |
| Net charge-offs to loans | 0.0931% | 5,410 |
| Credit loss provision to net charge-offs | 666.6667% | 330 |
| Earnings coverage of net charge-offs (x) | 11.3111% | 1,732 |
| Efficiency ratio | 79.0750% | 2,433 |
| Assets per employee ($millions) | 5.0865% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7061% | 3,177 |
| Loan loss allowance to noncurrent loans | 130.6859% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 1.0813% | 4,455 |
| Noncurrent loans to loans | 1.3055% | 4,195 |
| Net loans and leases to total assets | 68.3353% | 2,327 |
| Net loans and leases to deposits | 83.4503% | 1,996 |
| Net loans and leases to core deposits | 88.5881% | 2,308 |
| Total domestic deposits to total assets | 81.8875% | 5,165 |
| Equity capital to assets | 11.3646% | 2,625 |
| Core capital (leverage) ratio | 10.9774% | 2,282 |
| Tier 1 risk-based capital ratio | 15.3299% | 3,434 |
| Total risk-based capital ratio | 16.5839% | 3,381 |
| Memoranda: | ||
| Average total assets | $142,220,800 | 3,934 |
| Average earning assets | $132,865,000 | 3,872 |
| Average equity | $17,237,000 | 3,542 |
| Average total loans | $96,641,600 | 3,710 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5779% | 4,958 |
| Cost of funding earning assets | 1.0772% | 3,129 |
| Net interest margin | 3.5007% | 5,184 |
| Noninterest income to average assets | 0.1471% | 6,519 |
| Noninterest expense to average assets | 2.7310% | 4,607 |
| Loan and lease loss provision to assets | 0.3151% | 3,014 |
| Net operating income to assets | 0.3686% | 5,134 |
| Return on assets (ROA) | 0.3686% | 5,317 |
| Pretax return on assets | 0.3686% | 5,555 |
| Return on Equity (ROE) | 2.9903% | 5,424 |
| Retained earnings to average equity (ytd only) | 2.9903% | 4,560 |
| Net charge-offs to loans | 0.0594% | 5,373 |
| Credit loss provision to net charge-offs | 785.7143% | 343 |
| Earnings coverage of net charge-offs (x) | 17.0471% | 1,367 |
| Efficiency ratio | 79.9776% | 2,258 |
| Assets per employee ($millions) | 5.3541% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6198% | 3,573 |
| Loan loss allowance to noncurrent loans | 113.3476% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 1.1084% | 4,561 |
| Noncurrent loans to loans | 1.4291% | 4,147 |
| Net loans and leases to total assets | 62.1158% | 3,693 |
| Net loans and leases to deposits | 75.6825% | 3,377 |
| Net loans and leases to core deposits | 79.9592% | 3,642 |
| Total domestic deposits to total assets | 82.0742% | 5,064 |
| Equity capital to assets | 11.2979% | 2,866 |
| Core capital (leverage) ratio | 11.6283% | 1,937 |
| Tier 1 risk-based capital ratio | 16.5466% | 2,839 |
| Total risk-based capital ratio | 17.8004% | 2,800 |
| Memoranda: | ||
| Average total assets | $139,627,000 | 4,007 |
| Average earning assets | $130,332,500 | 3,951 |
| Average equity | $17,210,750 | 3,550 |
| Average total loans | $94,280,250 | 3,794 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6851% | 4,601 |
| Cost of funding earning assets | 1.1126% | 3,149 |
| Net interest margin | 3.5725% | 4,828 |
| Noninterest income to average assets | 0.1399% | 6,625 |
| Noninterest expense to average assets | 2.8435% | 4,258 |
| Loan and lease loss provision to assets | 0.2678% | 3,254 |
| Net operating income to assets | 0.3586% | 5,138 |
| Return on assets (ROA) | 0.3586% | 5,277 |
| Pretax return on assets | 0.3586% | 5,524 |
| Return on Equity (ROE) | 2.8187% | 5,473 |
| Retained earnings to average equity (ytd only) | 2.8187% | 4,489 |
| Net charge-offs to loans | 0.0043% | 5,822 |
| Credit loss provision to net charge-offs | 9,000.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 210.5000% | 167 |
| Efficiency ratio | 81.9468% | 2,107 |
| Assets per employee ($millions) | 4.6599% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 3,813 |
| Loan loss allowance to noncurrent loans | 107.8045% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 1.2261% | 4,445 |
| Noncurrent loans to loans | 1.4585% | 4,237 |
| Net loans and leases to total assets | 66.1850% | 2,992 |
| Net loans and leases to deposits | 82.4150% | 2,386 |
| Net loans and leases to core deposits | 87.7387% | 2,674 |
| Total domestic deposits to total assets | 80.3070% | 5,737 |
| Equity capital to assets | 12.3988% | 1,842 |
| Core capital (leverage) ratio | 12.4722% | 1,371 |
| Tier 1 risk-based capital ratio | 16.7749% | 2,616 |
| Total risk-based capital ratio | 18.0272% | 2,576 |
| Memoranda: | ||
| Average total assets | $134,413,330 | 4,135 |
| Average earning assets | $125,290,330 | 4,087 |
| Average equity | $17,100,330 | 3,553 |
| Average total loans | $93,029,000 | 3,860 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6816% | 4,604 |
| Cost of funding earning assets | 1.1232% | 3,349 |
| Net interest margin | 3.5584% | 4,775 |
| Noninterest income to average assets | 0.1549% | 6,609 |
| Noninterest expense to average assets | 2.9092% | 4,025 |
| Loan and lease loss provision to assets | 0.2278% | 3,383 |
| Net operating income to assets | 0.3371% | 5,239 |
| Return on assets (ROA) | 0.3371% | 5,318 |
| Pretax return on assets | 0.3371% | 5,541 |
| Return on Equity (ROE) | 2.6142% | 5,556 |
| Retained earnings to average equity (ytd only) | 2.6142% | 4,598 |
| Net charge-offs to loans | 0.0086% | 4,986 |
| Credit loss provision to net charge-offs | 3,750.0000% | 95 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 335 |
| Efficiency ratio | 83.7413% | 1,985 |
| Assets per employee ($millions) | 4.5681% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 4,194 |
| Loan loss allowance to noncurrent loans | 152.7253% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.9504% | 4,996 |
| Noncurrent loans to loans | 0.9841% | 5,072 |
| Net loans and leases to total assets | 67.9238% | 2,562 |
| Net loans and leases to deposits | 85.4043% | 1,818 |
| Net loans and leases to core deposits | 91.3032% | 2,197 |
| Total domestic deposits to total assets | 79.5320% | 6,051 |
| Equity capital to assets | 12.8522% | 1,449 |
| Core capital (leverage) ratio | 12.9883% | 1,122 |
| Tier 1 risk-based capital ratio | 17.1829% | 2,408 |
| Total risk-based capital ratio | 18.4345% | 2,386 |
| Memoranda: | ||
| Average total assets | $131,722,000 | 4,220 |
| Average earning assets | $122,864,000 | 4,164 |
| Average equity | $16,984,000 | 3,567 |
| Average total loans | $92,542,500 | 3,909 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8166% | 5,360 |
| Cost of funding earning assets | 1.5163% | 2,547 |
| Net interest margin | 3.3003% | 5,975 |
| Noninterest income to average assets | 0.1779% | 6,473 |
| Noninterest expense to average assets | 2.8794% | 4,314 |
| Loan and lease loss provision to assets | 0.4157% | 3,614 |
| Net operating income to assets | 0.1039% | 5,575 |
| Return on assets (ROA) | 0.1788% | 5,513 |
| Pretax return on assets | 0.0540% | 5,791 |
| Return on Equity (ROE) | 1.2720% | 5,630 |
| Retained earnings to average equity (ytd only) | 1.2720% | 4,915 |
| Net charge-offs to loans | 0.1932% | 5,139 |
| Credit loss provision to net charge-offs | 316.4557% | 826 |
| Earnings coverage of net charge-offs (x) | 3.0063% | 3,566 |
| Efficiency ratio | 87.9380% | 1,486 |
| Assets per employee ($millions) | 4.5162% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 4,576 |
| Loan loss allowance to noncurrent loans | 152.9412% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.9239% | 5,168 |
| Noncurrent loans to loans | 0.9069% | 5,243 |
| Net loans and leases to total assets | 70.5740% | 2,397 |
| Net loans and leases to deposits | 90.9529% | 1,404 |
| Net loans and leases to core deposits | 97.2425% | 1,871 |
| Total domestic deposits to total assets | 77.5939% | 6,381 |
| Equity capital to assets | 12.9359% | 1,420 |
| Core capital (leverage) ratio | 12.7690% | 1,214 |
| Tier 1 risk-based capital ratio | 16.8798% | 2,395 |
| Total risk-based capital ratio | 18.1175% | 2,365 |
| Memoranda: | ||
| Average total assets | $120,267,800 | 4,478 |
| Average earning assets | $112,838,400 | 4,404 |
| Average equity | $16,903,000 | 3,610 |
| Average total loans | $81,793,200 | 4,288 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8087% | 5,622 |
| Cost of funding earning assets | 1.6247% | 2,251 |
| Net interest margin | 3.1841% | 6,398 |
| Noninterest income to average assets | 0.1633% | 6,697 |
| Noninterest expense to average assets | 2.8096% | 4,445 |
| Loan and lease loss provision to assets | 0.3061% | 4,126 |
| Net operating income to assets | 0.0363% | 5,910 |
| Return on assets (ROA) | 0.1372% | 5,833 |
| Pretax return on assets | 0.1372% | 5,856 |
| Return on Equity (ROE) | 0.9550% | 5,903 |
| Retained earnings to average equity (ytd only) | 0.9550% | 5,423 |
| Net charge-offs to loans | 0.2673% | 4,348 |
| Credit loss provision to net charge-offs | 170.8861% | 2,173 |
| Earnings coverage of net charge-offs (x) | 1.9114% | 4,277 |
| Efficiency ratio | 89.1367% | 1,354 |
| Assets per employee ($millions) | 4.6502% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 5,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 6,687 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 66.8093% | 3,510 |
| Net loans and leases to deposits | 85.0823% | 2,501 |
| Net loans and leases to core deposits | 90.6910% | 2,998 |
| Total domestic deposits to total assets | 78.5231% | 6,142 |
| Equity capital to assets | 13.0947% | 1,527 |
| Core capital (leverage) ratio | 13.1842% | 1,161 |
| Tier 1 risk-based capital ratio | 17.5122% | 2,169 |
| Total risk-based capital ratio | 18.6383% | 2,174 |
| Memoranda: | ||
| Average total assets | $117,592,500 | 4,594 |
| Average earning assets | $110,380,000 | 4,521 |
| Average equity | $16,893,250 | 3,657 |
| Average total loans | $78,809,000 | 4,441 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8555% | 5,592 |
| Cost of funding earning assets | 1.7277% | 1,982 |
| Net interest margin | 3.1278% | 6,525 |
| Noninterest income to average assets | 0.1376% | 6,895 |
| Noninterest expense to average assets | 2.7551% | 4,685 |
| Loan and lease loss provision to assets | 0.2381% | 4,532 |
| Net operating income to assets | 0.0917% | 5,886 |
| Return on assets (ROA) | 0.1182% | 5,922 |
| Pretax return on assets | 0.1182% | 5,945 |
| Return on Equity (ROE) | 0.7957% | 6,007 |
| Retained earnings to average equity (ytd only) | 0.7957% | 5,452 |
| Net charge-offs to loans | 0.1479% | 4,750 |
| Credit loss provision to net charge-offs | 241.0714% | 1,594 |
| Earnings coverage of net charge-offs (x) | 3.3393% | 3,363 |
| Efficiency ratio | 89.3082% | 1,392 |
| Assets per employee ($millions) | 4.8585% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 4,924 |
| Loan loss allowance to noncurrent loans | 231.4732% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 6,508 |
| Noncurrent loans to loans | 0.5612% | 6,126 |
| Net loans and leases to total assets | 64.8716% | 4,069 |
| Net loans and leases to deposits | 82.0286% | 3,270 |
| Net loans and leases to core deposits | 87.0288% | 3,691 |
| Total domestic deposits to total assets | 79.0842% | 6,017 |
| Equity capital to assets | 14.0611% | 1,142 |
| Core capital (leverage) ratio | 14.1673% | 888 |
| Tier 1 risk-based capital ratio | 19.2447% | 1,666 |
| Total risk-based capital ratio | 20.4486% | 1,637 |
| Memoranda: | ||
| Average total assets | $113,388,330 | 4,720 |
| Average earning assets | $106,848,330 | 4,625 |
| Average equity | $16,841,000 | 3,660 |
| Average total loans | $75,725,670 | 4,575 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9141% | 5,393 |
| Cost of funding earning assets | 1.8021% | 1,864 |
| Net interest margin | 3.1120% | 6,559 |
| Noninterest income to average assets | 0.1134% | 7,124 |
| Noninterest expense to average assets | 2.6996% | 4,911 |
| Loan and lease loss provision to assets | 0.2743% | 3,832 |
| Net operating income to assets | 0.0768% | 6,089 |
| Return on assets (ROA) | 0.1317% | 6,042 |
| Pretax return on assets | 0.1317% | 6,055 |
| Return on Equity (ROE) | 0.8611% | 6,155 |
| Retained earnings to average equity (ytd only) | 0.8611% | 5,465 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4892% | 1,542 |
| Assets per employee ($millions) | 4.9692% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 4,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 65.3362% | 4,031 |
| Net loans and leases to deposits | 87.3186% | 2,351 |
| Net loans and leases to core deposits | 93.0471% | 2,970 |
| Total domestic deposits to total assets | 74.8250% | 6,928 |
| Equity capital to assets | 14.6458% | 969 |
| Core capital (leverage) ratio | 14.8522% | 781 |
| Tier 1 risk-based capital ratio | 21.1092% | 1,324 |
| Total risk-based capital ratio | 22.3606% | 1,299 |
| Memoranda: | ||
| Average total assets | $109,351,000 | 4,889 |
| Average earning assets | $103,213,000 | 4,777 |
| Average equity | $16,722,000 | 3,712 |
| Average total loans | $73,672,500 | 4,726 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1888% | 5,699 |
| Cost of funding earning assets | 2.0974% | 2,469 |
| Net interest margin | 3.0913% | 6,394 |
| Noninterest income to average assets | 0.1447% | 7,018 |
| Noninterest expense to average assets | 3.1758% | 3,456 |
| Loan and lease loss provision to assets | 0.4629% | 4,053 |
| Net operating income to assets | -0.5567% | 6,234 |
| Return on assets (ROA) | -0.5486% | 6,224 |
| Pretax return on assets | -0.5486% | 6,053 |
| Return on Equity (ROE) | -2.8120% | 5,959 |
| Retained earnings to average equity (ytd only) | -2.8120% | 5,659 |
| Net charge-offs to loans | 0.0089% | 7,109 |
| Credit loss provision to net charge-offs | 8,000.0000% | 41 |
| Earnings coverage of net charge-offs (x) | -16.2000% | 7,181 |
| Efficiency ratio | 103.0417% | 976 |
| Assets per employee ($millions) | 4.7459% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 4,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 67.6947% | 3,773 |
| Net loans and leases to deposits | 92.8046% | 1,765 |
| Net loans and leases to core deposits | 109.5559% | 2,951 |
| Total domestic deposits to total assets | 72.9432% | 7,160 |
| Equity capital to assets | 15.9994% | 701 |
| Core capital (leverage) ratio | 16.3487% | 570 |
| Tier 1 risk-based capital ratio | 22.1708% | 1,129 |
| Total risk-based capital ratio | 23.4208% | 1,106 |
| Memoranda: | ||
| Average total assets | $86,403,600 | 5,507 |
| Average earning assets | $82,100,600 | 5,389 |
| Average equity | $16,856,400 | 3,702 |
| Average total loans | $56,401,400 | 5,404 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1389% | 6,144 |
| Cost of funding earning assets | 2.1516% | 2,642 |
| Net interest margin | 2.9873% | 6,638 |
| Noninterest income to average assets | 0.1546% | 7,078 |
| Noninterest expense to average assets | 3.2428% | 3,146 |
| Loan and lease loss provision to assets | 0.3988% | 3,922 |
| Net operating income to assets | -0.6414% | 6,562 |
| Return on assets (ROA) | -0.6300% | 6,557 |
| Pretax return on assets | -0.6300% | 6,426 |
| Return on Equity (ROE) | -3.0542% | 6,249 |
| Retained earnings to average equity (ytd only) | -3.0542% | 5,941 |
| Net charge-offs to loans | 0.0127% | 6,743 |
| Credit loss provision to net charge-offs | 4,900.0000% | 82 |
| Earnings coverage of net charge-offs (x) | -29.7841% | 6,948 |
| Efficiency ratio | 108.0846% | 805 |
| Assets per employee ($millions) | 4.5460% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 4,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 66.3975% | 4,330 |
| Net loans and leases to deposits | 92.5898% | 2,135 |
| Net loans and leases to core deposits | 112.0565% | 3,018 |
| Total domestic deposits to total assets | 71.7114% | 7,247 |
| Equity capital to assets | 17.6429% | 548 |
| Core capital (leverage) ratio | 17.9307% | 457 |
| Tier 1 risk-based capital ratio | 25.1061% | 888 |
| Total risk-based capital ratio | 26.3325% | 866 |
| Memoranda: | ||
| Average total assets | $81,902,000 | 5,696 |
| Average earning assets | $78,018,000 | 5,558 |
| Average equity | $16,894,250 | 3,724 |
| Average total loans | $52,592,250 | 5,611 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1758% | 6,161 |
| Cost of funding earning assets | 2.1910% | 2,837 |
| Net interest margin | 2.9848% | 6,591 |
| Noninterest income to average assets | 0.1835% | 6,981 |
| Noninterest expense to average assets | 3.4634% | 2,448 |
| Loan and lease loss provision to assets | 0.3438% | 3,871 |
| Net operating income to assets | -0.7857% | 6,823 |
| Return on assets (ROA) | -0.7676% | 6,813 |
| Pretax return on assets | -0.7676% | 6,660 |
| Return on Equity (ROE) | -3.5124% | 6,418 |
| Retained earnings to average equity (ytd only) | -3.5124% | 6,044 |
| Net charge-offs to loans | 0.0205% | 6,223 |
| Credit loss provision to net charge-offs | 2,660.0000% | 191 |
| Earnings coverage of net charge-offs (x) | -34.2000% | 6,583 |
| Efficiency ratio | 114.6279% | 757 |
| Assets per employee ($millions) | 4.3670% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 4,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 62.1537% | 5,332 |
| Net loans and leases to deposits | 87.1125% | 3,337 |
| Net loans and leases to core deposits | 105.2953% | 3,923 |
| Total domestic deposits to total assets | 71.3488% | 7,321 |
| Equity capital to assets | 19.2065% | 436 |
| Core capital (leverage) ratio | 20.3891% | 339 |
| Tier 1 risk-based capital ratio | 29.6015% | 624 |
| Total risk-based capital ratio | 30.8391% | 614 |
| Memoranda: | ||
| Average total assets | $77,380,670 | 5,883 |
| Average earning assets | $73,572,670 | 5,766 |
| Average equity | $16,911,330 | 3,731 |
| Average total loans | $48,726,330 | 5,817 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2724% | 6,017 |
| Cost of funding earning assets | 2.1915% | 3,206 |
| Net interest margin | 3.0809% | 6,252 |
| Noninterest income to average assets | 0.1713% | 7,080 |
| Noninterest expense to average assets | 3.6519% | 1,750 |
| Loan and lease loss provision to assets | 0.2762% | 3,749 |
| Net operating income to assets | -0.8287% | 7,143 |
| Return on assets (ROA) | -0.7900% | 7,157 |
| Pretax return on assets | -0.7900% | 7,031 |
| Return on Equity (ROE) | -3.3688% | 6,821 |
| Retained earnings to average equity (ytd only) | -3.3688% | 6,341 |
| Net charge-offs to loans | 0.0351% | 5,023 |
| Credit loss provision to net charge-offs | 1,250.0000% | 500 |
| Earnings coverage of net charge-offs (x) | -25.0000% | 5,674 |
| Efficiency ratio | 117.8253% | 662 |
| Assets per employee ($millions) | 3.7011% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 4,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 63.4590% | 5,081 |
| Net loans and leases to deposits | 88.9084% | 3,121 |
| Net loans and leases to core deposits | 117.1046% | 2,672 |
| Total domestic deposits to total assets | 71.3757% | 7,292 |
| Equity capital to assets | 22.8584% | 283 |
| Core capital (leverage) ratio | 22.9342% | 281 |
| Tier 1 risk-based capital ratio | 33.5411% | 474 |
| Total risk-based capital ratio | 34.7655% | 471 |
| Memoranda: | ||
| Average total assets | $72,401,000 | 6,052 |
| Average earning assets | $68,811,500 | 5,953 |
| Average equity | $16,979,500 | 3,736 |
| Average total loans | $45,601,500 | 5,979 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7880% | 6,474 |
| Cost of funding earning assets | 2.5904% | 3,724 |
| Net interest margin | 3.1976% | 6,370 |
| Noninterest income to average assets | 0.1723% | 7,189 |
| Noninterest expense to average assets | 4.3701% | 976 |
| Loan and lease loss provision to assets | 0.4693% | 2,953 |
| Net operating income to assets | -1.6654% | 7,522 |
| Return on assets (ROA) | -1.6654% | 7,473 |
| Pretax return on assets | -1.6654% | 7,330 |
| Return on Equity (ROE) | -5.6146% | 6,925 |
| Retained earnings to average equity (ytd only) | -5.6146% | 6,609 |
| Net charge-offs to loans | 0.0350% | 6,316 |
| Credit loss provision to net charge-offs | 2,291.6667% | 202 |
| Earnings coverage of net charge-offs (x) | -58.4167% | 6,993 |
| Efficiency ratio | 137.6882% | 416 |
| Assets per employee ($millions) | 3.5391% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 3,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 60.8327% | 5,790 |
| Net loans and leases to deposits | 96.5188% | 2,368 |
| Net loans and leases to core deposits | 131.4668% | 1,758 |
| Total domestic deposits to total assets | 63.0268% | 7,838 |
| Equity capital to assets | 24.0728% | 286 |
| Core capital (leverage) ratio | 23.5632% | 288 |
| Tier 1 risk-based capital ratio | 35.3406% | 434 |
| Total risk-based capital ratio | 36.5231% | 429 |
| Memoranda: | ||
| Average total assets | $58,603,200 | 6,426 |
| Average earning assets | $55,010,600 | 6,370 |
| Average equity | $17,383,200 | 3,667 |
| Average total loans | $34,328,800 | 6,471 |