Home > Iberville Bank > Performance and Condition Ratios
Iberville Bank, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0155% | 3,139 |
| Cost of funding earning assets | 0.1658% | 5,310 |
| Net interest margin | 3.8497% | 2,139 |
| Noninterest income to average assets | 0.8101% | 1,715 |
| Noninterest expense to average assets | 4.6835% | 322 |
| Loan and lease loss provision to assets | 0.0469% | 3,452 |
| Net operating income to assets | -0.4049% | 5,764 |
| Return on assets (ROA) | -0.3824% | 5,768 |
| Pretax return on assets | -0.3828% | 5,757 |
| Return on Equity (ROE) | -4.0095% | 5,776 |
| Retained earnings to average equity (ytd only) | -5.8083% | 5,701 |
| Net charge-offs to loans | 0.0110% | 3,901 |
| Credit loss provision to net charge-offs | 768.7500% | 476 |
| Earnings coverage of net charge-offs (x) | -58.7500% | 4,271 |
| Efficiency ratio | 108.2856% | 138 |
| Assets per employee ($millions) | 3.3234% | 5,014 |
| Cash dividends to net income (ytd only)* | -44.8654% | 5,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3544% | 2,282 |
| Loan loss allowance to noncurrent loans | 101.7094% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.7418% | 2,510 |
| Noncurrent loans to loans | 1.3317% | 1,544 |
| Net loans and leases to total assets | 54.7334% | 4,367 |
| Net loans and leases to deposits | 60.4788% | 4,639 |
| Net loans and leases to core deposits | 61.1170% | 4,798 |
| Total domestic deposits to total assets | 90.5002% | 449 |
| Equity capital to assets | 8.3315% | 5,401 |
| Core capital (leverage) ratio | 8.7255% | 5,046 |
| Tier 1 risk-based capital ratio | 12.5615% | 4,347 |
| Total risk-based capital ratio | 13.7388% | 4,271 |
| Memoranda: | ||
| Average total assets | $262,306,200 | 2,416 |
| Average earning assets | $239,499,000 | 2,443 |
| Average equity | $25,015,800 | 2,722 |
| Average total loans | $145,453,000 | 2,708 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9524% | 3,407 |
| Cost of funding earning assets | 0.1656% | 5,381 |
| Net interest margin | 3.7867% | 2,380 |
| Noninterest income to average assets | 0.7854% | 1,824 |
| Noninterest expense to average assets | 3.7300% | 815 |
| Loan and lease loss provision to assets | 0.0312% | 3,605 |
| Net operating income to assets | 0.5459% | 4,508 |
| Return on assets (ROA) | 0.5771% | 4,496 |
| Pretax return on assets | 0.5766% | 4,940 |
| Return on Equity (ROE) | 5.8605% | 4,140 |
| Retained earnings to average equity (ytd only) | 3.5225% | 3,786 |
| Net charge-offs to loans | 0.0157% | 3,414 |
| Credit loss provision to net charge-offs | 358.8235% | 916 |
| Earnings coverage of net charge-offs (x) | 66.2828% | 893 |
| Efficiency ratio | 86.6104% | 774 |
| Assets per employee ($millions) | 2.9634% | 5,416 |
| Cash dividends to net income (ytd only)* | 39.8940% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 2,609 |
| Loan loss allowance to noncurrent loans | 96.0784% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 2,554 |
| Noncurrent loans to loans | 1.3681% | 1,613 |
| Net loans and leases to total assets | 57.0771% | 4,187 |
| Net loans and leases to deposits | 64.0916% | 4,482 |
| Net loans and leases to core deposits | 64.9553% | 4,670 |
| Total domestic deposits to total assets | 89.0555% | 876 |
| Equity capital to assets | 10.2941% | 3,812 |
| Core capital (leverage) ratio | 9.6886% | 3,955 |
| Tier 1 risk-based capital ratio | 14.0995% | 3,507 |
| Total risk-based capital ratio | 15.2745% | 3,468 |
| Memoranda: | ||
| Average total assets | $260,584,250 | 2,447 |
| Average earning assets | $242,313,500 | 2,426 |
| Average equity | $25,662,750 | 2,683 |
| Average total loans | $144,475,750 | 2,714 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8744% | 3,679 |
| Cost of funding earning assets | 0.1665% | 5,444 |
| Net interest margin | 3.7079% | 2,663 |
| Noninterest income to average assets | 0.8191% | 1,644 |
| Noninterest expense to average assets | 3.6695% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6080% | 4,235 |
| Return on assets (ROA) | 0.6554% | 4,165 |
| Pretax return on assets | 0.6547% | 4,749 |
| Return on Equity (ROE) | 6.7559% | 3,664 |
| Retained earnings to average equity (ytd only) | 3.2085% | 3,855 |
| Net charge-offs to loans | -0.0042% | 4,486 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8011% | 903 |
| Assets per employee ($millions) | 2.9375% | 5,495 |
| Cash dividends to net income (ytd only)* | 52.5088% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 2,552 |
| Loan loss allowance to noncurrent loans | 150.9835% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.4959% | 3,546 |
| Noncurrent loans to loans | 0.8904% | 2,508 |
| Net loans and leases to total assets | 54.4784% | 4,463 |
| Net loans and leases to deposits | 61.0679% | 4,725 |
| Net loans and leases to core deposits | 61.9629% | 4,891 |
| Total domestic deposits to total assets | 89.2095% | 804 |
| Equity capital to assets | 10.1347% | 4,047 |
| Core capital (leverage) ratio | 9.4197% | 4,311 |
| Tier 1 risk-based capital ratio | 14.5744% | 3,279 |
| Total risk-based capital ratio | 15.7727% | 3,237 |
| Memoranda: | ||
| Average total assets | $261,506,330 | 2,447 |
| Average earning assets | $243,859,670 | 2,430 |
| Average equity | $25,370,330 | 2,713 |
| Average total loans | $142,929,330 | 2,740 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8780% | 3,669 |
| Cost of funding earning assets | 0.1701% | 5,465 |
| Net interest margin | 3.7080% | 2,638 |
| Noninterest income to average assets | 0.6372% | 2,331 |
| Noninterest expense to average assets | 3.5192% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5992% | 4,177 |
| Return on assets (ROA) | 0.5992% | 4,294 |
| Pretax return on assets | 0.5992% | 4,823 |
| Return on Equity (ROE) | 6.3150% | 3,824 |
| Retained earnings to average equity (ytd only) | -0.8976% | 5,269 |
| Net charge-offs to loans | -0.0028% | 4,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4505% | 1,026 |
| Assets per employee ($millions) | 3.2491% | 5,199 |
| Cash dividends to net income (ytd only)* | 114.2132% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 2,724 |
| Loan loss allowance to noncurrent loans | 147.4615% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 3,632 |
| Noncurrent loans to loans | 0.9066% | 2,585 |
| Net loans and leases to total assets | 53.1018% | 4,529 |
| Net loans and leases to deposits | 59.0715% | 4,775 |
| Net loans and leases to core deposits | 60.0172% | 4,939 |
| Total domestic deposits to total assets | 89.8941% | 641 |
| Equity capital to assets | 9.4389% | 4,728 |
| Core capital (leverage) ratio | 9.1882% | 4,612 |
| Tier 1 risk-based capital ratio | 14.0152% | 3,684 |
| Total risk-based capital ratio | 15.1880% | 3,659 |
| Memoranda: | ||
| Average total assets | $263,011,000 | 2,444 |
| Average earning assets | $246,928,500 | 2,414 |
| Average equity | $24,956,500 | 2,748 |
| Average total loans | $143,022,000 | 2,734 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8786% | 3,781 |
| Cost of funding earning assets | 0.1750% | 5,503 |
| Net interest margin | 3.7036% | 2,738 |
| Noninterest income to average assets | 0.5945% | 2,746 |
| Noninterest expense to average assets | 3.8397% | 821 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2206% | 5,533 |
| Return on assets (ROA) | 0.2967% | 5,448 |
| Pretax return on assets | 0.2959% | 5,524 |
| Return on Equity (ROE) | 2.9965% | 5,307 |
| Retained earnings to average equity (ytd only) | 2.1877% | 4,473 |
| Net charge-offs to loans | -0.0158% | 5,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5858% | 458 |
| Assets per employee ($millions) | 3.1658% | 5,328 |
| Cash dividends to net income (ytd only)* | 26.9906% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3432% | 2,696 |
| Loan loss allowance to noncurrent loans | 99.9478% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.7442% | 2,826 |
| Noncurrent loans to loans | 1.3439% | 1,749 |
| Net loans and leases to total assets | 54.2127% | 4,481 |
| Net loans and leases to deposits | 60.3471% | 4,747 |
| Net loans and leases to core deposits | 61.2879% | 4,909 |
| Total domestic deposits to total assets | 89.8349% | 702 |
| Equity capital to assets | 9.5399% | 4,505 |
| Core capital (leverage) ratio | 9.6499% | 3,983 |
| Tier 1 risk-based capital ratio | 14.5860% | 3,394 |
| Total risk-based capital ratio | 15.8067% | 3,326 |
| Memoranda: | ||
| Average total assets | $249,783,400 | 2,509 |
| Average earning assets | $233,690,200 | 2,474 |
| Average equity | $24,729,000 | 2,718 |
| Average total loans | $133,300,800 | 2,837 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9256% | 3,654 |
| Cost of funding earning assets | 0.1855% | 5,499 |
| Net interest margin | 3.7402% | 2,611 |
| Noninterest income to average assets | 0.7154% | 2,167 |
| Noninterest expense to average assets | 3.8291% | 824 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3768% | 5,242 |
| Return on assets (ROA) | 0.3763% | 5,325 |
| Pretax return on assets | 0.3752% | 5,511 |
| Return on Equity (ROE) | 3.7647% | 5,121 |
| Retained earnings to average equity (ytd only) | 2.6860% | 4,505 |
| Net charge-offs to loans | -0.0193% | 5,201 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0641% | 630 |
| Assets per employee ($millions) | 2.9193% | 5,633 |
| Cash dividends to net income (ytd only)* | 28.6534% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 2,897 |
| Loan loss allowance to noncurrent loans | 138.2948% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 3,609 |
| Noncurrent loans to loans | 0.9703% | 2,559 |
| Net loans and leases to total assets | 56.7106% | 4,280 |
| Net loans and leases to deposits | 63.6069% | 4,589 |
| Net loans and leases to core deposits | 64.4934% | 4,793 |
| Total domestic deposits to total assets | 89.1580% | 941 |
| Equity capital to assets | 10.0090% | 4,134 |
| Core capital (leverage) ratio | 9.7096% | 4,021 |
| Tier 1 risk-based capital ratio | 14.6099% | 3,496 |
| Total risk-based capital ratio | 15.8269% | 3,436 |
| Memoranda: | ||
| Average total assets | $247,330,750 | 2,546 |
| Average earning assets | $230,750,750 | 2,523 |
| Average equity | $24,720,000 | 2,735 |
| Average total loans | $130,963,750 | 2,888 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 3,916 |
| Cost of funding earning assets | 0.1822% | 5,599 |
| Net interest margin | 3.6583% | 2,880 |
| Noninterest income to average assets | 0.7334% | 2,068 |
| Noninterest expense to average assets | 3.7926% | 876 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3562% | 5,271 |
| Return on assets (ROA) | 0.3748% | 5,331 |
| Pretax return on assets | 0.3732% | 5,529 |
| Return on Equity (ROE) | 3.7518% | 5,114 |
| Retained earnings to average equity (ytd only) | 2.1312% | 4,642 |
| Net charge-offs to loans | -0.0236% | 5,223 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4503% | 664 |
| Assets per employee ($millions) | 2.8664% | 5,746 |
| Cash dividends to net income (ytd only)* | 43.1965% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 2,608 |
| Loan loss allowance to noncurrent loans | 142.2189% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 3,772 |
| Noncurrent loans to loans | 1.0063% | 2,634 |
| Net loans and leases to total assets | 53.3644% | 4,630 |
| Net loans and leases to deposits | 59.6792% | 4,877 |
| Net loans and leases to core deposits | 60.5831% | 5,036 |
| Total domestic deposits to total assets | 89.4187% | 940 |
| Equity capital to assets | 9.7809% | 4,298 |
| Core capital (leverage) ratio | 9.6787% | 4,032 |
| Tier 1 risk-based capital ratio | 15.2089% | 3,244 |
| Total risk-based capital ratio | 16.4615% | 3,179 |
| Memoranda: | ||
| Average total assets | $247,062,000 | 2,566 |
| Average earning assets | $230,541,330 | 2,536 |
| Average equity | $24,681,330 | 2,751 |
| Average total loans | $127,073,670 | 2,962 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7749% | 4,111 |
| Cost of funding earning assets | 0.1836% | 5,657 |
| Net interest margin | 3.5913% | 3,043 |
| Noninterest income to average assets | 0.7342% | 1,996 |
| Noninterest expense to average assets | 3.6064% | 1,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4819% | 4,757 |
| Return on assets (ROA) | 0.4819% | 4,875 |
| Pretax return on assets | 0.4819% | 5,225 |
| Return on Equity (ROE) | 4.7744% | 4,631 |
| Retained earnings to average equity (ytd only) | 1.5701% | 4,845 |
| Net charge-offs to loans | -0.0129% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2120% | 1,002 |
| Assets per employee ($millions) | 3.0409% | 5,618 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 2,310 |
| Loan loss allowance to noncurrent loans | 155.5283% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 4,062 |
| Noncurrent loans to loans | 0.9852% | 2,800 |
| Net loans and leases to total assets | 48.3532% | 4,996 |
| Net loans and leases to deposits | 54.1829% | 5,178 |
| Net loans and leases to core deposits | 54.9851% | 5,316 |
| Total domestic deposits to total assets | 89.2406% | 1,121 |
| Equity capital to assets | 9.9777% | 4,173 |
| Core capital (leverage) ratio | 9.5791% | 4,172 |
| Tier 1 risk-based capital ratio | 15.7877% | 3,023 |
| Total risk-based capital ratio | 17.1783% | 2,895 |
| Memoranda: | ||
| Average total assets | $247,337,500 | 2,581 |
| Average earning assets | $230,999,500 | 2,545 |
| Average equity | $24,966,500 | 2,752 |
| Average total loans | $123,881,000 | 3,019 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8681% | 4,252 |
| Cost of funding earning assets | 0.2026% | 5,717 |
| Net interest margin | 3.6655% | 3,144 |
| Noninterest income to average assets | 0.8129% | 1,816 |
| Noninterest expense to average assets | 3.8764% | 878 |
| Loan and lease loss provision to assets | 0.0321% | 3,957 |
| Net operating income to assets | 0.3172% | 5,476 |
| Return on assets (ROA) | 0.3188% | 5,542 |
| Pretax return on assets | 0.3180% | 5,666 |
| Return on Equity (ROE) | 3.3623% | 5,346 |
| Retained earnings to average equity (ytd only) | 3.0814% | 4,049 |
| Net charge-offs to loans | 0.1498% | 2,539 |
| Credit loss provision to net charge-offs | 42.7778% | 3,619 |
| Earnings coverage of net charge-offs (x) | 4.6500% | 3,597 |
| Efficiency ratio | 91.7537% | 723 |
| Assets per employee ($millions) | 2.8843% | 5,850 |
| Cash dividends to net income (ytd only)* | 8.3551% | 4,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 2,341 |
| Loan loss allowance to noncurrent loans | 128.1271% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.6187% | 3,730 |
| Noncurrent loans to loans | 1.1944% | 2,456 |
| Net loans and leases to total assets | 50.3248% | 4,937 |
| Net loans and leases to deposits | 56.5371% | 5,149 |
| Net loans and leases to core deposits | 57.3436% | 5,288 |
| Total domestic deposits to total assets | 89.0120% | 1,226 |
| Equity capital to assets | 10.2154% | 3,837 |
| Core capital (leverage) ratio | 9.8379% | 3,790 |
| Tier 1 risk-based capital ratio | 15.9229% | 3,001 |
| Total risk-based capital ratio | 17.3131% | 2,870 |
| Memoranda: | ||
| Average total assets | $240,245,800 | 2,612 |
| Average earning assets | $223,624,000 | 2,595 |
| Average equity | $22,781,800 | 2,868 |
| Average total loans | $120,192,800 | 3,037 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8444% | 4,392 |
| Cost of funding earning assets | 0.2034% | 5,793 |
| Net interest margin | 3.6410% | 3,266 |
| Noninterest income to average assets | 0.8042% | 1,880 |
| Noninterest expense to average assets | 3.8742% | 879 |
| Loan and lease loss provision to assets | 0.0428% | 3,544 |
| Net operating income to assets | 0.2725% | 5,671 |
| Return on assets (ROA) | 0.2747% | 5,730 |
| Pretax return on assets | 0.2736% | 5,818 |
| Return on Equity (ROE) | 2.9549% | 5,550 |
| Retained earnings to average equity (ytd only) | 2.5721% | 4,754 |
| Net charge-offs to loans | -0.0045% | 5,281 |
| Credit loss provision to net charge-offs | -1,925.0000% | 5,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4977% | 671 |
| Assets per employee ($millions) | 2.7588% | 6,020 |
| Cash dividends to net income (ytd only)* | 12.9553% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 2,053 |
| Loan loss allowance to noncurrent loans | 275.3642% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.4196% | 4,661 |
| Noncurrent loans to loans | 0.6082% | 4,105 |
| Net loans and leases to total assets | 50.8556% | 4,908 |
| Net loans and leases to deposits | 56.9891% | 5,176 |
| Net loans and leases to core deposits | 57.7385% | 5,348 |
| Total domestic deposits to total assets | 89.2373% | 1,107 |
| Equity capital to assets | 9.7977% | 4,424 |
| Core capital (leverage) ratio | 9.9884% | 3,691 |
| Tier 1 risk-based capital ratio | 15.6977% | 3,213 |
| Total risk-based capital ratio | 17.0633% | 3,096 |
| Memoranda: | ||
| Average total assets | $239,736,750 | 2,632 |
| Average earning assets | $222,826,500 | 2,605 |
| Average equity | $22,289,750 | 2,923 |
| Average total loans | $119,285,250 | 3,072 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8315% | 4,404 |
| Cost of funding earning assets | 0.2037% | 5,876 |
| Net interest margin | 3.6278% | 3,244 |
| Noninterest income to average assets | 0.7244% | 2,165 |
| Noninterest expense to average assets | 3.8257% | 939 |
| Loan and lease loss provision to assets | 0.0643% | 2,983 |
| Net operating income to assets | 0.2086% | 5,808 |
| Return on assets (ROA) | 0.2086% | 5,866 |
| Pretax return on assets | 0.2086% | 5,933 |
| Return on Equity (ROE) | 2.2851% | 5,766 |
| Retained earnings to average equity (ytd only) | 1.7001% | 5,055 |
| Net charge-offs to loans | -0.0799% | 6,074 |
| Credit loss provision to net charge-offs | -163.8298% | 5,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3415% | 676 |
| Assets per employee ($millions) | 2.7736% | 6,061 |
| Cash dividends to net income (ytd only)* | 25.6000% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8052% | 1,833 |
| Loan loss allowance to noncurrent loans | 251.7200% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 4,514 |
| Noncurrent loans to loans | 0.7171% | 3,911 |
| Net loans and leases to total assets | 48.9614% | 5,085 |
| Net loans and leases to deposits | 54.7815% | 5,299 |
| Net loans and leases to core deposits | 55.5840% | 5,439 |
| Total domestic deposits to total assets | 89.3757% | 1,170 |
| Equity capital to assets | 9.7059% | 4,481 |
| Core capital (leverage) ratio | 9.7054% | 4,031 |
| Tier 1 risk-based capital ratio | 16.1271% | 3,020 |
| Total risk-based capital ratio | 17.4946% | 2,907 |
| Memoranda: | ||
| Average total assets | $239,644,000 | 2,640 |
| Average earning assets | $222,890,000 | 2,616 |
| Average equity | $21,881,000 | 2,963 |
| Average total loans | $117,667,000 | 3,109 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8048% | 4,468 |
| Cost of funding earning assets | 0.2010% | 5,986 |
| Net interest margin | 3.6038% | 3,230 |
| Noninterest income to average assets | 0.7070% | 2,142 |
| Noninterest expense to average assets | 3.7800% | 1,017 |
| Loan and lease loss provision to assets | 0.0762% | 2,620 |
| Net operating income to assets | 0.2053% | 5,784 |
| Return on assets (ROA) | 0.2053% | 5,838 |
| Pretax return on assets | 0.2053% | 5,911 |
| Return on Equity (ROE) | 2.3199% | 5,702 |
| Retained earnings to average equity (ytd only) | 1.1225% | 5,154 |
| Net charge-offs to loans | 0.0476% | 2,722 |
| Credit loss provision to net charge-offs | 328.5714% | 755 |
| Earnings coverage of net charge-offs (x) | 12.1429% | 1,735 |
| Efficiency ratio | 93.0697% | 812 |
| Assets per employee ($millions) | 2.7711% | 6,132 |
| Cash dividends to net income (ytd only)* | 51.6129% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7239% | 2,275 |
| Loan loss allowance to noncurrent loans | 298.5294% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.4310% | 4,848 |
| Noncurrent loans to loans | 0.5775% | 4,431 |
| Net loans and leases to total assets | 48.0013% | 5,133 |
| Net loans and leases to deposits | 53.3077% | 5,347 |
| Net loans and leases to core deposits | 54.0148% | 5,498 |
| Total domestic deposits to total assets | 90.0458% | 1,052 |
| Equity capital to assets | 9.0359% | 5,080 |
| Core capital (leverage) ratio | 9.6059% | 4,124 |
| Tier 1 risk-based capital ratio | 15.7826% | 3,282 |
| Total risk-based capital ratio | 17.1468% | 3,178 |
| Memoranda: | ||
| Average total assets | $241,589,500 | 2,628 |
| Average earning assets | $224,871,500 | 2,607 |
| Average equity | $21,380,500 | 3,008 |
| Average total loans | $117,725,500 | 3,119 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9032% | 4,453 |
| Cost of funding earning assets | 0.2505% | 5,960 |
| Net interest margin | 3.6527% | 3,236 |
| Noninterest income to average assets | 0.8684% | 1,792 |
| Noninterest expense to average assets | 3.6906% | 1,296 |
| Loan and lease loss provision to assets | 0.1760% | 2,101 |
| Net operating income to assets | 0.3737% | 5,247 |
| Return on assets (ROA) | 0.3882% | 5,295 |
| Pretax return on assets | 0.3873% | 5,522 |
| Return on Equity (ROE) | 4.3184% | 4,970 |
| Retained earnings to average equity (ytd only) | 4.3184% | 3,106 |
| Net charge-offs to loans | 0.1077% | 3,755 |
| Credit loss provision to net charge-offs | 329.3651% | 697 |
| Earnings coverage of net charge-offs (x) | 10.2698% | 2,396 |
| Efficiency ratio | 87.0522% | 1,307 |
| Assets per employee ($millions) | 2.8151% | 6,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6976% | 2,409 |
| Loan loss allowance to noncurrent loans | 285.8369% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 4,995 |
| Noncurrent loans to loans | 0.5939% | 4,501 |
| Net loans and leases to total assets | 47.7910% | 5,313 |
| Net loans and leases to deposits | 52.8296% | 5,559 |
| Net loans and leases to core deposits | 53.5866% | 5,700 |
| Total domestic deposits to total assets | 90.4625% | 839 |
| Equity capital to assets | 8.6647% | 5,408 |
| Core capital (leverage) ratio | 9.9341% | 3,661 |
| Tier 1 risk-based capital ratio | 15.7826% | 3,208 |
| Total risk-based capital ratio | 17.1421% | 3,106 |
| Memoranda: | ||
| Average total assets | $235,733,600 | 2,661 |
| Average earning assets | $217,567,200 | 2,650 |
| Average equity | $21,188,400 | 3,013 |
| Average total loans | $116,951,000 | 3,109 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9112% | 4,459 |
| Cost of funding earning assets | 0.2648% | 5,992 |
| Net interest margin | 3.6464% | 3,247 |
| Noninterest income to average assets | 0.8917% | 1,786 |
| Noninterest expense to average assets | 3.6877% | 1,267 |
| Loan and lease loss provision to assets | 0.1839% | 1,978 |
| Net operating income to assets | 0.3770% | 5,346 |
| Return on assets (ROA) | 0.3946% | 5,404 |
| Pretax return on assets | 0.3935% | 5,641 |
| Return on Equity (ROE) | 4.3499% | 5,051 |
| Retained earnings to average equity (ytd only) | 4.3499% | 3,582 |
| Net charge-offs to loans | 0.1256% | 3,268 |
| Credit loss provision to net charge-offs | 293.6364% | 869 |
| Earnings coverage of net charge-offs (x) | 8.9365% | 2,556 |
| Efficiency ratio | 86.8213% | 1,283 |
| Assets per employee ($millions) | 2.6912% | 6,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6547% | 2,783 |
| Loan loss allowance to noncurrent loans | 291.6540% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4399% | 5,107 |
| Noncurrent loans to loans | 0.5673% | 4,790 |
| Net loans and leases to total assets | 48.7887% | 5,263 |
| Net loans and leases to deposits | 54.6350% | 5,482 |
| Net loans and leases to core deposits | 55.3876% | 5,677 |
| Total domestic deposits to total assets | 89.2995% | 1,408 |
| Equity capital to assets | 8.9110% | 5,291 |
| Core capital (leverage) ratio | 9.8031% | 3,955 |
| Tier 1 risk-based capital ratio | 15.8742% | 3,267 |
| Total risk-based capital ratio | 17.2199% | 3,163 |
| Memoranda: | ||
| Average total assets | $234,143,000 | 2,698 |
| Average earning assets | $215,478,500 | 2,680 |
| Average equity | $21,241,250 | 3,049 |
| Average total loans | $116,764,250 | 3,129 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8597% | 4,622 |
| Cost of funding earning assets | 0.2686% | 6,053 |
| Net interest margin | 3.5911% | 3,396 |
| Noninterest income to average assets | 0.9191% | 1,751 |
| Noninterest expense to average assets | 3.5901% | 1,429 |
| Loan and lease loss provision to assets | 0.1973% | 1,926 |
| Net operating income to assets | 0.4339% | 5,090 |
| Return on assets (ROA) | 0.4604% | 5,143 |
| Pretax return on assets | 0.4587% | 5,499 |
| Return on Equity (ROE) | 5.0452% | 4,708 |
| Retained earnings to average equity (ytd only) | 5.0452% | 3,027 |
| Net charge-offs to loans | 0.2137% | 2,486 |
| Credit loss provision to net charge-offs | 184.8000% | 1,291 |
| Earnings coverage of net charge-offs (x) | 5.8960% | 2,810 |
| Efficiency ratio | 85.0810% | 1,519 |
| Assets per employee ($millions) | 2.6366% | 6,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5205% | 3,483 |
| Loan loss allowance to noncurrent loans | 260.4017% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.4719% | 5,093 |
| Noncurrent loans to loans | 0.5839% | 4,796 |
| Net loans and leases to total assets | 50.6635% | 5,041 |
| Net loans and leases to deposits | 56.7224% | 5,272 |
| Net loans and leases to core deposits | 57.5100% | 5,464 |
| Total domestic deposits to total assets | 89.3183% | 1,435 |
| Equity capital to assets | 8.9043% | 5,321 |
| Core capital (leverage) ratio | 8.9894% | 5,010 |
| Tier 1 risk-based capital ratio | 14.6103% | 4,025 |
| Total risk-based capital ratio | 15.9533% | 3,931 |
| Memoranda: | ||
| Average total assets | $234,144,670 | 2,704 |
| Average earning assets | $215,199,670 | 2,688 |
| Average equity | $21,367,000 | 3,055 |
| Average total loans | $116,967,330 | 3,127 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7704% | 4,920 |
| Cost of funding earning assets | 0.2815% | 6,100 |
| Net interest margin | 3.4889% | 3,751 |
| Noninterest income to average assets | 1.0816% | 1,266 |
| Noninterest expense to average assets | 3.6513% | 1,334 |
| Loan and lease loss provision to assets | 0.2381% | 1,527 |
| Net operating income to assets | 0.3962% | 5,141 |
| Return on assets (ROA) | 0.4422% | 5,112 |
| Pretax return on assets | 0.4422% | 5,434 |
| Return on Equity (ROE) | 4.7881% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.7881% | 3,366 |
| Net charge-offs to loans | 0.1417% | 2,555 |
| Credit loss provision to net charge-offs | 341.4634% | 718 |
| Earnings coverage of net charge-offs (x) | 9.0976% | 1,884 |
| Efficiency ratio | 85.1984% | 1,623 |
| Assets per employee ($millions) | 2.7127% | 6,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 3,550 |
| Loan loss allowance to noncurrent loans | 137.2817% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 1.4911% | 3,024 |
| Noncurrent loans to loans | 1.1399% | 3,879 |
| Net loans and leases to total assets | 48.1911% | 5,207 |
| Net loans and leases to deposits | 54.1488% | 5,424 |
| Net loans and leases to core deposits | 54.9563% | 5,607 |
| Total domestic deposits to total assets | 88.9976% | 1,685 |
| Equity capital to assets | 9.1957% | 5,259 |
| Core capital (leverage) ratio | 8.9537% | 4,960 |
| Tier 1 risk-based capital ratio | 14.8708% | 3,926 |
| Total risk-based capital ratio | 16.2175% | 3,824 |
| Memoranda: | ||
| Average total assets | $235,205,500 | 2,719 |
| Average earning assets | $216,000,000 | 2,708 |
| Average equity | $21,720,500 | 3,060 |
| Average total loans | $115,768,000 | 3,163 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0033% | 5,291 |
| Cost of funding earning assets | 0.3571% | 6,172 |
| Net interest margin | 3.6462% | 3,894 |
| Noninterest income to average assets | 0.8105% | 2,214 |
| Noninterest expense to average assets | 3.9773% | 1,001 |
| Loan and lease loss provision to assets | 0.2268% | 2,865 |
| Net operating income to assets | -0.0461% | 6,234 |
| Return on assets (ROA) | 0.1116% | 6,131 |
| Pretax return on assets | 0.1107% | 6,144 |
| Return on Equity (ROE) | 1.1537% | 6,102 |
| Retained earnings to average equity (ytd only) | 1.1537% | 5,297 |
| Net charge-offs to loans | 0.8733% | 1,310 |
| Credit loss provision to net charge-offs | 49.6124% | 4,709 |
| Earnings coverage of net charge-offs (x) | 0.3934% | 5,286 |
| Efficiency ratio | 95.6744% | 722 |
| Assets per employee ($millions) | 2.7578% | 6,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 3,846 |
| Loan loss allowance to noncurrent loans | 96.3903% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.7858% | 2,731 |
| Noncurrent loans to loans | 1.5285% | 3,317 |
| Net loans and leases to total assets | 48.7554% | 5,336 |
| Net loans and leases to deposits | 55.1195% | 5,539 |
| Net loans and leases to core deposits | 56.0733% | 5,709 |
| Total domestic deposits to total assets | 88.4539% | 1,921 |
| Equity capital to assets | 9.2740% | 5,181 |
| Core capital (leverage) ratio | 9.1534% | 4,657 |
| Tier 1 risk-based capital ratio | 14.5946% | 3,963 |
| Total risk-based capital ratio | 15.8974% | 3,896 |
| Memoranda: | ||
| Average total assets | $225,781,400 | 2,777 |
| Average earning assets | $207,230,000 | 2,774 |
| Average equity | $21,842,200 | 2,995 |
| Average total loans | $118,173,800 | 3,123 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0697% | 5,292 |
| Cost of funding earning assets | 0.3713% | 6,266 |
| Net interest margin | 3.6984% | 3,798 |
| Noninterest income to average assets | 0.8615% | 1,976 |
| Noninterest expense to average assets | 4.0269% | 904 |
| Loan and lease loss provision to assets | 0.1669% | 3,448 |
| Net operating income to assets | 0.0596% | 6,195 |
| Return on assets (ROA) | 0.0596% | 6,335 |
| Pretax return on assets | 0.0584% | 6,324 |
| Return on Equity (ROE) | 0.6097% | 6,327 |
| Retained earnings to average equity (ytd only) | 0.6097% | 5,911 |
| Net charge-offs to loans | 1.1152% | 907 |
| Credit loss provision to net charge-offs | 28.1974% | 4,826 |
| Earnings coverage of net charge-offs (x) | 0.3807% | 5,140 |
| Efficiency ratio | 94.6999% | 734 |
| Assets per employee ($millions) | 2.6294% | 6,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 4,823 |
| Loan loss allowance to noncurrent loans | 59.8264% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 2.0564% | 2,577 |
| Noncurrent loans to loans | 2.1704% | 2,655 |
| Net loans and leases to total assets | 52.1750% | 5,022 |
| Net loans and leases to deposits | 59.7945% | 5,235 |
| Net loans and leases to core deposits | 60.9614% | 5,458 |
| Total domestic deposits to total assets | 87.2572% | 2,524 |
| Equity capital to assets | 10.0733% | 4,392 |
| Core capital (leverage) ratio | 9.2693% | 4,646 |
| Tier 1 risk-based capital ratio | 15.0727% | 3,799 |
| Total risk-based capital ratio | 16.2770% | 3,780 |
| Memoranda: | ||
| Average total assets | $223,624,500 | 2,817 |
| Average earning assets | $205,023,250 | 2,820 |
| Average equity | $21,868,000 | 3,014 |
| Average total loans | $118,718,250 | 3,148 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0623% | 5,449 |
| Cost of funding earning assets | 0.3790% | 6,384 |
| Net interest margin | 3.6833% | 3,909 |
| Noninterest income to average assets | 0.8488% | 1,972 |
| Noninterest expense to average assets | 4.0064% | 935 |
| Loan and lease loss provision to assets | 0.0882% | 4,477 |
| Net operating income to assets | 0.1318% | 6,087 |
| Return on assets (ROA) | 0.1318% | 6,252 |
| Pretax return on assets | 0.1300% | 6,265 |
| Return on Equity (ROE) | 1.3615% | 6,223 |
| Retained earnings to average equity (ytd only) | 1.3615% | 5,513 |
| Net charge-offs to loans | 0.1290% | 3,896 |
| Credit loss provision to net charge-offs | 128.5714% | 2,140 |
| Earnings coverage of net charge-offs (x) | 3.1818% | 3,466 |
| Efficiency ratio | 94.8345% | 764 |
| Assets per employee ($millions) | 2.7449% | 6,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8989% | 2,562 |
| Loan loss allowance to noncurrent loans | 59.6766% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 2.1495% | 2,612 |
| Noncurrent loans to loans | 3.1820% | 1,832 |
| Net loans and leases to total assets | 51.6661% | 5,138 |
| Net loans and leases to deposits | 59.0278% | 5,336 |
| Net loans and leases to core deposits | 60.0160% | 5,587 |
| Total domestic deposits to total assets | 87.5284% | 2,447 |
| Equity capital to assets | 9.8112% | 4,605 |
| Core capital (leverage) ratio | 9.1426% | 4,700 |
| Tier 1 risk-based capital ratio | 15.0375% | 3,748 |
| Total risk-based capital ratio | 16.3653% | 3,659 |
| Memoranda: | ||
| Average total assets | $224,542,670 | 2,817 |
| Average earning assets | $205,795,670 | 2,812 |
| Average equity | $21,741,000 | 3,014 |
| Average total loans | $119,372,670 | 3,146 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0826% | 5,518 |
| Cost of funding earning assets | 0.3800% | 6,504 |
| Net interest margin | 3.7026% | 3,816 |
| Noninterest income to average assets | 0.8704% | 1,867 |
| Noninterest expense to average assets | 4.0040% | 933 |
| Loan and lease loss provision to assets | 0.1231% | 3,801 |
| Net operating income to assets | 0.1320% | 6,171 |
| Return on assets (ROA) | 0.1320% | 6,296 |
| Pretax return on assets | 0.1320% | 6,331 |
| Return on Equity (ROE) | 1.3723% | 6,268 |
| Retained earnings to average equity (ytd only) | 1.3723% | 5,551 |
| Net charge-offs to loans | 0.1770% | 3,036 |
| Credit loss provision to net charge-offs | 130.1887% | 1,865 |
| Earnings coverage of net charge-offs (x) | 2.6981% | 3,101 |
| Efficiency ratio | 94.0117% | 823 |
| Assets per employee ($millions) | 2.7149% | 6,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8922% | 2,696 |
| Loan loss allowance to noncurrent loans | 58.7696% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 2.5112% | 2,358 |
| Noncurrent loans to loans | 3.2197% | 1,993 |
| Net loans and leases to total assets | 51.0399% | 5,146 |
| Net loans and leases to deposits | 58.0909% | 5,366 |
| Net loans and leases to core deposits | 59.0567% | 5,621 |
| Total domestic deposits to total assets | 87.8621% | 2,416 |
| Equity capital to assets | 9.4175% | 4,928 |
| Core capital (leverage) ratio | 9.1622% | 4,586 |
| Tier 1 risk-based capital ratio | 14.8330% | 3,868 |
| Total risk-based capital ratio | 16.1577% | 3,788 |
| Memoranda: | ||
| Average total assets | $224,274,000 | 2,839 |
| Average earning assets | $205,261,000 | 2,831 |
| Average equity | $21,570,000 | 3,026 |
| Average total loans | $119,788,500 | 3,162 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1324% | 6,220 |
| Cost of funding earning assets | 0.5081% | 6,494 |
| Net interest margin | 3.6243% | 4,638 |
| Noninterest income to average assets | 1.0061% | 1,354 |
| Noninterest expense to average assets | 4.1399% | 866 |
| Loan and lease loss provision to assets | 0.3209% | 3,114 |
| Net operating income to assets | -0.1744% | 6,232 |
| Return on assets (ROA) | -0.1735% | 6,304 |
| Pretax return on assets | -0.1744% | 6,267 |
| Return on Equity (ROE) | -1.7897% | 6,318 |
| Retained earnings to average equity (ytd only) | -1.7897% | 6,130 |
| Net charge-offs to loans | 0.8538% | 2,033 |
| Credit loss provision to net charge-offs | 64.9043% | 5,035 |
| Earnings coverage of net charge-offs (x) | 0.2944% | 5,605 |
| Efficiency ratio | 96.6025% | 791 |
| Assets per employee ($millions) | 2.6565% | 6,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8432% | 2,734 |
| Loan loss allowance to noncurrent loans | 57.3450% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 2.4286% | 2,507 |
| Noncurrent loans to loans | 3.2142% | 2,011 |
| Net loans and leases to total assets | 53.8357% | 5,057 |
| Net loans and leases to deposits | 61.6455% | 5,286 |
| Net loans and leases to core deposits | 62.6999% | 5,576 |
| Total domestic deposits to total assets | 87.3311% | 2,564 |
| Equity capital to assets | 9.8248% | 4,406 |
| Core capital (leverage) ratio | 9.3016% | 4,328 |
| Tier 1 risk-based capital ratio | 14.7640% | 3,786 |
| Total risk-based capital ratio | 16.0787% | 3,720 |
| Memoranda: | ||
| Average total assets | $221,842,600 | 2,821 |
| Average earning assets | $200,730,400 | 2,843 |
| Average equity | $21,511,600 | 2,946 |
| Average total loans | $128,478,400 | 3,008 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1773% | 6,258 |
| Cost of funding earning assets | 0.5283% | 6,587 |
| Net interest margin | 3.6489% | 4,569 |
| Noninterest income to average assets | 0.9590% | 1,453 |
| Noninterest expense to average assets | 4.1701% | 822 |
| Loan and lease loss provision to assets | 0.1416% | 4,668 |
| Net operating income to assets | -0.0606% | 6,237 |
| Return on assets (ROA) | -0.0606% | 6,328 |
| Pretax return on assets | -0.0618% | 6,293 |
| Return on Equity (ROE) | -0.6271% | 6,335 |
| Retained earnings to average equity (ytd only) | -0.6271% | 6,091 |
| Net charge-offs to loans | 0.9900% | 1,629 |
| Credit loss provision to net charge-offs | 24.3802% | 5,503 |
| Earnings coverage of net charge-offs (x) | 0.1374% | 5,503 |
| Efficiency ratio | 98.1220% | 733 |
| Assets per employee ($millions) | 2.5715% | 6,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 4,175 |
| Loan loss allowance to noncurrent loans | 37.7684% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 2.8398% | 2,286 |
| Noncurrent loans to loans | 3.9336% | 1,683 |
| Net loans and leases to total assets | 57.0955% | 4,666 |
| Net loans and leases to deposits | 65.7614% | 4,941 |
| Net loans and leases to core deposits | 66.9916% | 5,310 |
| Total domestic deposits to total assets | 86.8223% | 2,761 |
| Equity capital to assets | 10.0662% | 4,256 |
| Core capital (leverage) ratio | 9.4712% | 4,197 |
| Tier 1 risk-based capital ratio | 14.4655% | 4,000 |
| Total risk-based capital ratio | 15.7674% | 3,942 |
| Memoranda: | ||
| Average total assets | $222,180,000 | 2,822 |
| Average earning assets | $200,382,000 | 2,856 |
| Average equity | $21,473,750 | 2,956 |
| Average total loans | $130,364,750 | 2,999 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0490% | 6,576 |
| Cost of funding earning assets | 0.5536% | 6,650 |
| Net interest margin | 3.4954% | 5,181 |
| Noninterest income to average assets | 0.9276% | 1,547 |
| Noninterest expense to average assets | 4.2080% | 825 |
| Loan and lease loss provision to assets | 0.0895% | 5,199 |
| Net operating income to assets | -0.2140% | 6,483 |
| Return on assets (ROA) | -0.2140% | 6,521 |
| Pretax return on assets | -0.2158% | 6,468 |
| Return on Equity (ROE) | -2.2444% | 6,536 |
| Retained earnings to average equity (ytd only) | -2.2444% | 6,282 |
| Net charge-offs to loans | 1.3648% | 1,112 |
| Credit loss provision to net charge-offs | 11.1359% | 5,234 |
| Earnings coverage of net charge-offs (x) | -0.1570% | 5,380 |
| Efficiency ratio | 103.0928% | 631 |
| Assets per employee ($millions) | 2.5586% | 6,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 4,541 |
| Loan loss allowance to noncurrent loans | 27.5068% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 4.1006% | 1,560 |
| Noncurrent loans to loans | 5.1090% | 1,268 |
| Net loans and leases to total assets | 57.9022% | 4,650 |
| Net loans and leases to deposits | 66.5869% | 4,910 |
| Net loans and leases to core deposits | 67.7277% | 5,318 |
| Total domestic deposits to total assets | 86.9574% | 2,762 |
| Equity capital to assets | 9.8255% | 4,363 |
| Core capital (leverage) ratio | 9.2854% | 4,267 |
| Tier 1 risk-based capital ratio | 14.0488% | 4,138 |
| Total risk-based capital ratio | 15.3418% | 4,073 |
| Memoranda: | ||
| Average total assets | $223,382,000 | 2,824 |
| Average earning assets | $201,581,330 | 2,853 |
| Average equity | $21,297,670 | 2,960 |
| Average total loans | $131,593,670 | 3,007 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 6,714 |
| Cost of funding earning assets | 0.5891% | 6,654 |
| Net interest margin | 3.4024% | 5,423 |
| Noninterest income to average assets | 0.8478% | 1,859 |
| Noninterest expense to average assets | 4.3368% | 700 |
| Loan and lease loss provision to assets | 0.1600% | 4,031 |
| Net operating income to assets | -0.5794% | 6,856 |
| Return on assets (ROA) | -0.5794% | 6,857 |
| Pretax return on assets | -0.5794% | 6,804 |
| Return on Equity (ROE) | -6.1694% | 6,875 |
| Retained earnings to average equity (ytd only) | -6.1694% | 6,605 |
| Net charge-offs to loans | 0.3254% | 2,755 |
| Credit loss provision to net charge-offs | 83.3333% | 3,082 |
| Earnings coverage of net charge-offs (x) | -2.1852% | 4,966 |
| Efficiency ratio | 110.7078% | 487 |
| Assets per employee ($millions) | 2.5997% | 6,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9591% | 2,521 |
| Loan loss allowance to noncurrent loans | 31.4781% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 4.8584% | 1,308 |
| Noncurrent loans to loans | 6.2237% | 993 |
| Net loans and leases to total assets | 58.1083% | 4,631 |
| Net loans and leases to deposits | 66.4597% | 4,899 |
| Net loans and leases to core deposits | 67.6604% | 5,335 |
| Total domestic deposits to total assets | 87.4340% | 2,695 |
| Equity capital to assets | 9.3786% | 4,607 |
| Core capital (leverage) ratio | 9.0876% | 4,467 |
| Tier 1 risk-based capital ratio | 13.6992% | 4,284 |
| Total risk-based capital ratio | 14.9945% | 4,217 |
| Memoranda: | ||
| Average total assets | $225,053,000 | 2,820 |
| Average earning assets | $203,032,500 | 2,857 |
| Average equity | $21,136,500 | 2,971 |
| Average total loans | $132,778,500 | 3,025 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 6,765 |
| Cost of funding earning assets | 0.7960% | 6,585 |
| Net interest margin | 3.5183% | 5,173 |
| Noninterest income to average assets | 0.9406% | 1,704 |
| Noninterest expense to average assets | 3.9003% | 1,315 |
| Loan and lease loss provision to assets | 1.1293% | 1,414 |
| Net operating income to assets | -0.9062% | 6,634 |
| Return on assets (ROA) | -0.9079% | 6,664 |
| Pretax return on assets | -0.9079% | 6,582 |
| Return on Equity (ROE) | -9.1783% | 6,687 |
| Retained earnings to average equity (ytd only) | -9.4613% | 6,637 |
| Net charge-offs to loans | 0.9744% | 2,229 |
| Credit loss provision to net charge-offs | 189.3141% | 1,706 |
| Earnings coverage of net charge-offs (x) | 0.3740% | 5,733 |
| Efficiency ratio | 94.5895% | 1,032 |
| Assets per employee ($millions) | 2.6341% | 6,793 |
| Cash dividends to net income (ytd only)* | -3.0835% | 7,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9647% | 2,391 |
| Loan loss allowance to noncurrent loans | 33.2316% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 4.6721% | 1,411 |
| Noncurrent loans to loans | 5.9122% | 1,064 |
| Net loans and leases to total assets | 57.5777% | 5,092 |
| Net loans and leases to deposits | 65.8393% | 5,425 |
| Net loans and leases to core deposits | 67.4997% | 5,712 |
| Total domestic deposits to total assets | 87.4518% | 2,579 |
| Equity capital to assets | 9.4048% | 4,542 |
| Core capital (leverage) ratio | 9.2179% | 4,142 |
| Tier 1 risk-based capital ratio | 13.8783% | 3,941 |
| Total risk-based capital ratio | 15.1665% | 3,893 |
| Memoranda: | ||
| Average total assets | $232,187,600 | 2,720 |
| Average earning assets | $210,043,200 | 2,757 |
| Average equity | $22,967,200 | 2,767 |
| Average total loans | $142,142,800 | 2,902 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4002% | 6,818 |
| Cost of funding earning assets | 0.8281% | 6,662 |
| Net interest margin | 3.5720% | 5,008 |
| Noninterest income to average assets | 0.9098% | 1,763 |
| Noninterest expense to average assets | 3.8064% | 1,366 |
| Loan and lease loss provision to assets | 0.9828% | 1,519 |
| Net operating income to assets | -0.6421% | 6,689 |
| Return on assets (ROA) | -0.6307% | 6,732 |
| Pretax return on assets | -0.6307% | 6,636 |
| Return on Equity (ROE) | -6.3008% | 6,743 |
| Retained earnings to average equity (ytd only) | -6.6714% | 6,689 |
| Net charge-offs to loans | 1.0072% | 1,995 |
| Credit loss provision to net charge-offs | 157.8368% | 2,421 |
| Earnings coverage of net charge-offs (x) | 0.5472% | 5,478 |
| Efficiency ratio | 91.7836% | 1,144 |
| Assets per employee ($millions) | 2.6467% | 6,857 |
| Cash dividends to net income (ytd only)* | -5.8820% | 7,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 4,116 |
| Loan loss allowance to noncurrent loans | 29.8011% | 6,341 |
| Noncurrent assets plus other real estate owned to assets | 4.0889% | 1,693 |
| Noncurrent loans to loans | 4.9253% | 1,421 |
| Net loans and leases to total assets | 59.2204% | 5,063 |
| Net loans and leases to deposits | 68.2769% | 5,381 |
| Net loans and leases to core deposits | 72.1257% | 5,496 |
| Total domestic deposits to total assets | 86.7356% | 2,672 |
| Equity capital to assets | 9.8952% | 4,296 |
| Core capital (leverage) ratio | 9.3116% | 4,193 |
| Tier 1 risk-based capital ratio | 14.2447% | 3,670 |
| Total risk-based capital ratio | 15.5298% | 3,601 |
| Memoranda: | ||
| Average total assets | $233,601,000 | 2,734 |
| Average earning assets | $211,714,750 | 2,771 |
| Average equity | $23,382,750 | 2,763 |
| Average total loans | $144,416,750 | 2,902 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4302% | 6,840 |
| Cost of funding earning assets | 0.8276% | 6,827 |
| Net interest margin | 3.6025% | 4,801 |
| Noninterest income to average assets | 0.8914% | 1,721 |
| Noninterest expense to average assets | 3.7437% | 1,464 |
| Loan and lease loss provision to assets | 0.5170% | 2,730 |
| Net operating income to assets | -0.1027% | 6,232 |
| Return on assets (ROA) | -0.1027% | 6,305 |
| Pretax return on assets | -0.1027% | 6,247 |
| Return on Equity (ROE) | -1.0224% | 6,315 |
| Retained earnings to average equity (ytd only) | -1.5717% | 6,079 |
| Net charge-offs to loans | 1.3719% | 1,388 |
| Credit loss provision to net charge-offs | 60.4167% | 5,197 |
| Earnings coverage of net charge-offs (x) | 0.4841% | 5,238 |
| Efficiency ratio | 90.0367% | 1,330 |
| Assets per employee ($millions) | 2.6933% | 6,791 |
| Cash dividends to net income (ytd only)* | -53.7190% | 7,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6996% | 7,250 |
| Loan loss allowance to noncurrent loans | 14.2857% | 7,162 |
| Noncurrent assets plus other real estate owned to assets | 3.9245% | 1,765 |
| Noncurrent loans to loans | 4.8975% | 1,426 |
| Net loans and leases to total assets | 57.9084% | 5,429 |
| Net loans and leases to deposits | 66.6131% | 5,731 |
| Net loans and leases to core deposits | 72.3564% | 5,634 |
| Total domestic deposits to total assets | 86.9325% | 2,564 |
| Equity capital to assets | 9.8181% | 4,244 |
| Core capital (leverage) ratio | 9.5739% | 3,711 |
| Tier 1 risk-based capital ratio | 14.5504% | 3,418 |
| Total risk-based capital ratio | 15.2259% | 3,706 |
| Memoranda: | ||
| Average total assets | $235,596,000 | 2,744 |
| Average earning assets | $213,626,670 | 2,765 |
| Average equity | $23,669,330 | 2,725 |
| Average total loans | $146,954,670 | 2,885 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 6,760 |
| Cost of funding earning assets | 0.8311% | 6,994 |
| Net interest margin | 3.6835% | 4,335 |
| Noninterest income to average assets | 0.8050% | 1,998 |
| Noninterest expense to average assets | 3.8828% | 1,201 |
| Loan and lease loss provision to assets | 0.1541% | 4,991 |
| Net operating income to assets | 0.1079% | 6,001 |
| Return on assets (ROA) | 0.1079% | 6,108 |
| Pretax return on assets | 0.1079% | 6,110 |
| Return on Equity (ROE) | 1.0616% | 6,099 |
| Retained earnings to average equity (ytd only) | -0.0337% | 5,833 |
| Net charge-offs to loans | 0.8609% | 1,818 |
| Credit loss provision to net charge-offs | 27.7778% | 4,851 |
| Earnings coverage of net charge-offs (x) | 0.4722% | 4,603 |
| Efficiency ratio | 93.6777% | 1,153 |
| Assets per employee ($millions) | 2.6311% | 6,982 |
| Cash dividends to net income (ytd only)* | 103.1746% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7731% | 7,193 |
| Loan loss allowance to noncurrent loans | 11.3890% | 7,306 |
| Noncurrent assets plus other real estate owned to assets | 4.7421% | 1,392 |
| Noncurrent loans to loans | 6.7882% | 895 |
| Net loans and leases to total assets | 61.9532% | 4,768 |
| Net loans and leases to deposits | 71.5037% | 5,124 |
| Net loans and leases to core deposits | 77.8747% | 5,035 |
| Total domestic deposits to total assets | 86.6433% | 2,821 |
| Equity capital to assets | 10.0175% | 3,848 |
| Core capital (leverage) ratio | 9.7866% | 3,411 |
| Tier 1 risk-based capital ratio | 14.2793% | 3,498 |
| Total risk-based capital ratio | 15.0471% | 3,755 |
| Memoranda: | ||
| Average total assets | $233,543,500 | 2,829 |
| Average earning assets | $211,755,500 | 2,858 |
| Average equity | $23,737,000 | 2,746 |
| Average total loans | $150,539,500 | 2,889 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1221% | 5,994 |
| Cost of funding earning assets | 1.0290% | 7,149 |
| Net interest margin | 4.0931% | 2,487 |
| Noninterest income to average assets | 1.0545% | 1,392 |
| Noninterest expense to average assets | 3.9148% | 1,490 |
| Loan and lease loss provision to assets | 0.2707% | 5,249 |
| Net operating income to assets | 0.5921% | 3,361 |
| Return on assets (ROA) | 0.5921% | 3,443 |
| Pretax return on assets | 0.5921% | 3,921 |
| Return on Equity (ROE) | 6.0395% | 3,194 |
| Retained earnings to average equity (ytd only) | 2.8628% | 3,173 |
| Net charge-offs to loans | 0.8006% | 2,826 |
| Credit loss provision to net charge-offs | 51.6257% | 6,725 |
| Earnings coverage of net charge-offs (x) | 1.6455% | 4,504 |
| Efficiency ratio | 81.9408% | 2,605 |
| Assets per employee ($millions) | 2.5032% | 7,201 |
| Cash dividends to net income (ytd only)* | 52.5983% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 6,818 |
| Loan loss allowance to noncurrent loans | 17.0886% | 7,180 |
| Noncurrent assets plus other real estate owned to assets | 4.0323% | 1,636 |
| Noncurrent loans to loans | 5.2586% | 1,252 |
| Net loans and leases to total assets | 65.9411% | 4,162 |
| Net loans and leases to deposits | 76.6811% | 4,632 |
| Net loans and leases to core deposits | 88.9780% | 5,225 |
| Total domestic deposits to total assets | 85.9939% | 3,020 |
| Equity capital to assets | 10.3143% | 3,387 |
| Core capital (leverage) ratio | 9.9234% | 3,168 |
| Tier 1 risk-based capital ratio | 14.0320% | 3,481 |
| Total risk-based capital ratio | 14.9275% | 3,640 |
| Memoranda: | ||
| Average total assets | $240,498,000 | 2,715 |
| Average earning assets | $218,756,000 | 2,721 |
| Average equity | $23,578,200 | 2,781 |
| Average total loans | $157,497,800 | 2,812 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1563% | 6,078 |
| Cost of funding earning assets | 1.0626% | 7,258 |
| Net interest margin | 4.0937% | 2,425 |
| Noninterest income to average assets | 1.0719% | 1,382 |
| Noninterest expense to average assets | 4.0232% | 1,244 |
| Loan and lease loss provision to assets | 0.1969% | 5,419 |
| Net operating income to assets | 0.5776% | 3,692 |
| Return on assets (ROA) | 0.5776% | 3,758 |
| Pretax return on assets | 0.5776% | 4,266 |
| Return on Equity (ROE) | 5.9655% | 3,542 |
| Retained earnings to average equity (ytd only) | 4.4473% | 2,787 |
| Net charge-offs to loans | 0.9872% | 1,994 |
| Credit loss provision to net charge-offs | 30.5792% | 6,506 |
| Earnings coverage of net charge-offs (x) | 1.2027% | 4,864 |
| Efficiency ratio | 83.8555% | 2,317 |
| Assets per employee ($millions) | 2.5343% | 7,173 |
| Cash dividends to net income (ytd only)* | 25.4509% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7452% | 7,273 |
| Loan loss allowance to noncurrent loans | 16.6501% | 7,259 |
| Noncurrent assets plus other real estate owned to assets | 3.3501% | 2,009 |
| Noncurrent loans to loans | 4.4757% | 1,566 |
| Net loans and leases to total assets | 66.9499% | 4,199 |
| Net loans and leases to deposits | 77.9034% | 4,752 |
| Net loans and leases to core deposits | 90.7236% | 5,371 |
| Total domestic deposits to total assets | 85.9396% | 2,725 |
| Equity capital to assets | 10.2480% | 3,791 |
| Core capital (leverage) ratio | 9.6142% | 3,770 |
| Tier 1 risk-based capital ratio | 14.0026% | 3,553 |
| Total risk-based capital ratio | 14.7604% | 3,775 |
| Memoranda: | ||
| Average total assets | $243,049,500 | 2,700 |
| Average earning assets | $221,211,500 | 2,706 |
| Average equity | $23,534,500 | 2,804 |
| Average total loans | $158,563,750 | 2,818 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1584% | 6,231 |
| Cost of funding earning assets | 1.0926% | 7,390 |
| Net interest margin | 4.0659% | 2,446 |
| Noninterest income to average assets | 0.9726% | 1,684 |
| Noninterest expense to average assets | 3.9148% | 1,455 |
| Loan and lease loss provision to assets | 0.1689% | 5,378 |
| Net operating income to assets | 0.5870% | 3,734 |
| Return on assets (ROA) | 0.5870% | 3,841 |
| Pretax return on assets | 0.5870% | 4,357 |
| Return on Equity (ROE) | 6.1756% | 3,570 |
| Retained earnings to average equity (ytd only) | 4.5869% | 2,739 |
| Net charge-offs to loans | 0.7057% | 2,288 |
| Credit loss provision to net charge-offs | 37.0766% | 5,941 |
| Earnings coverage of net charge-offs (x) | 1.6595% | 4,298 |
| Efficiency ratio | 83.8171% | 2,500 |
| Assets per employee ($millions) | 2.6255% | 7,003 |
| Cash dividends to net income (ytd only)* | 25.7261% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 5,950 |
| Loan loss allowance to noncurrent loans | 37.6584% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 2.3159% | 2,811 |
| Noncurrent loans to loans | 2.7717% | 2,597 |
| Net loans and leases to total assets | 64.1333% | 4,954 |
| Net loans and leases to deposits | 74.2118% | 5,422 |
| Net loans and leases to core deposits | 85.4979% | 5,965 |
| Total domestic deposits to total assets | 86.4192% | 2,557 |
| Equity capital to assets | 9.7911% | 4,226 |
| Core capital (leverage) ratio | 9.2462% | 4,242 |
| Tier 1 risk-based capital ratio | 13.6548% | 3,721 |
| Total risk-based capital ratio | 14.6733% | 3,800 |
| Memoranda: | ||
| Average total assets | $246,346,670 | 2,677 |
| Average earning assets | $224,060,330 | 2,699 |
| Average equity | $23,414,670 | 2,823 |
| Average total loans | $158,994,670 | 2,842 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1011% | 6,643 |
| Cost of funding earning assets | 1.1503% | 7,413 |
| Net interest margin | 3.9509% | 2,848 |
| Noninterest income to average assets | 0.8314% | 2,170 |
| Noninterest expense to average assets | 3.7050% | 1,647 |
| Loan and lease loss provision to assets | 0.1705% | 4,760 |
| Net operating income to assets | 0.5516% | 4,210 |
| Return on assets (ROA) | 0.5516% | 4,393 |
| Pretax return on assets | 0.5516% | 4,911 |
| Return on Equity (ROE) | 5.8892% | 4,084 |
| Retained earnings to average equity (ytd only) | 4.1035% | 3,616 |
| Net charge-offs to loans | 0.9412% | 1,409 |
| Credit loss provision to net charge-offs | 28.1167% | 4,977 |
| Earnings coverage of net charge-offs (x) | 1.1910% | 4,152 |
| Efficiency ratio | 83.6905% | 2,341 |
| Assets per employee ($millions) | 2.5434% | 7,199 |
| Cash dividends to net income (ytd only)* | 30.3207% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 5,495 |
| Loan loss allowance to noncurrent loans | 29.6066% | 6,575 |
| Noncurrent assets plus other real estate owned to assets | 3.0826% | 1,834 |
| Noncurrent loans to loans | 3.7048% | 1,685 |
| Net loans and leases to total assets | 62.7163% | 5,205 |
| Net loans and leases to deposits | 72.1817% | 5,719 |
| Net loans and leases to core deposits | 82.5106% | 6,193 |
| Total domestic deposits to total assets | 86.8867% | 2,272 |
| Equity capital to assets | 9.4674% | 4,715 |
| Core capital (leverage) ratio | 9.0411% | 4,635 |
| Tier 1 risk-based capital ratio | 13.3628% | 3,948 |
| Total risk-based capital ratio | 14.4164% | 3,993 |
| Memoranda: | ||
| Average total assets | $248,746,500 | 2,660 |
| Average earning assets | $226,381,500 | 2,686 |
| Average equity | $23,297,000 | 2,843 |
| Average total loans | $160,219,000 | 2,842 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5977% | 2,503 |
| Cost of funding earning assets | 1.7422% | 7,154 |
| Net interest margin | 4.8555% | 695 |
| Noninterest income to average assets | 0.9595% | 1,729 |
| Noninterest expense to average assets | 3.7907% | 1,770 |
| Loan and lease loss provision to assets | 0.5143% | 2,749 |
| Net operating income to assets | 1.0641% | 2,284 |
| Return on assets (ROA) | 1.1105% | 2,022 |
| Pretax return on assets | 1.1105% | 2,990 |
| Return on Equity (ROE) | 12.9127% | 1,352 |
| Retained earnings to average equity (ytd only) | 1.5503% | 4,291 |
| Net charge-offs to loans | 0.1502% | 4,704 |
| Credit loss provision to net charge-offs | 485.6574% | 903 |
| Earnings coverage of net charge-offs (x) | 14.9044% | 1,987 |
| Efficiency ratio | 70.6012% | 4,228 |
| Assets per employee ($millions) | 2.6123% | 6,984 |
| Cash dividends to net income (ytd only)* | 87.9939% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 4,444 |
| Loan loss allowance to noncurrent loans | 39.1142% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 2.5173% | 1,923 |
| Noncurrent loans to loans | 3.0977% | 1,722 |
| Net loans and leases to total assets | 64.6007% | 5,151 |
| Net loans and leases to deposits | 74.2501% | 5,819 |
| Net loans and leases to core deposits | 84.6662% | 6,236 |
| Total domestic deposits to total assets | 87.0043% | 1,929 |
| Equity capital to assets | 9.2658% | 4,980 |
| Core capital (leverage) ratio | 9.0571% | 4,659 |
| Tier 1 risk-based capital ratio | 12.7439% | 4,263 |
| Total risk-based capital ratio | 13.9163% | 4,229 |
| Memoranda: | ||
| Average total assets | $237,000,000 | 2,680 |
| Average earning assets | $215,242,400 | 2,707 |
| Average equity | $20,383,000 | 3,170 |
| Average total loans | $167,057,400 | 2,672 |