Home > Illini Bank > Performance and Condition Ratios
Illini Bank, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2065% | 2,258 |
| Cost of funding earning assets | 0.1787% | 5,166 |
| Net interest margin | 4.0279% | 1,395 |
| Noninterest income to average assets | 1.4998% | 483 |
| Noninterest expense to average assets | 3.1655% | 1,701 |
| Loan and lease loss provision to assets | 0.2230% | 708 |
| Net operating income to assets | 1.5799% | 707 |
| Return on assets (ROA) | 1.5799% | 724 |
| Pretax return on assets | 1.6571% | 1,105 |
| Return on Equity (ROE) | 13.5962% | 883 |
| Retained earnings to average equity (ytd only) | -11.0123% | 5,599 |
| Net charge-offs to loans | 0.0089% | 2,665 |
| Credit loss provision to net charge-offs | 5,200.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 438.3333% | 131 |
| Efficiency ratio | 57.2683% | 4,802 |
| Assets per employee ($millions) | 4.2540% | 3,581 |
| Cash dividends to net income (ytd only)* | 180.9955% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2169% | 5,771 |
| Loan loss allowance to noncurrent loans | 10.2564% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 2.6628% | 408 |
| Noncurrent loans to loans | 2.1144% | 825 |
| Net loans and leases to total assets | 45.9276% | 4,943 |
| Net loans and leases to deposits | 54.2818% | 4,917 |
| Net loans and leases to core deposits | 54.7024% | 5,035 |
| Total domestic deposits to total assets | 84.6097% | 3,256 |
| Equity capital to assets | 11.6494% | 2,080 |
| Core capital (leverage) ratio | 8.0695% | 5,529 |
| Tier 1 risk-based capital ratio | 12.1135% | 4,643 |
| Total risk-based capital ratio | 12.3845% | 5,134 |
| Memoranda: | ||
| Average total assets | $279,765,000 | 2,329 |
| Average earning assets | $246,284,000 | 2,426 |
| Average equity | $32,509,000 | 2,218 |
| Average total loans | $135,322,500 | 2,881 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4228% | 5,905 |
| Cost of funding earning assets | 0.0273% | 5,864 |
| Net interest margin | 0.3955% | 5,905 |
| Noninterest income to average assets | 0.4318% | 3,666 |
| Noninterest expense to average assets | 0.3934% | 5,899 |
| Loan and lease loss provision to assets | 0.0713% | 2,937 |
| Net operating income to assets | 0.3189% | 5,170 |
| Return on assets (ROA) | 0.3189% | 5,245 |
| Pretax return on assets | 0.3249% | 5,336 |
| Return on Equity (ROE) | 3.3625% | 5,057 |
| Retained earnings to average equity (ytd only) | 3.3625% | 3,528 |
| Net charge-offs to loans | 0.0501% | 3,043 |
| Credit loss provision to net charge-offs | 255.6962% | 1,128 |
| Earnings coverage of net charge-offs (x) | 14.2152% | 2,307 |
| Efficiency ratio | 49.8213% | 5,495 |
| Assets per employee ($millions) | 4.2242% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0858% | 5,849 |
| Loan loss allowance to noncurrent loans | 7.4591% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 2.2334% | 579 |
| Noncurrent loans to loans | 1.1501% | 1,785 |
| Net loans and leases to total assets | 50.6153% | 4,716 |
| Net loans and leases to deposits | 59.6563% | 4,697 |
| Net loans and leases to core deposits | 60.1062% | 4,857 |
| Total domestic deposits to total assets | 84.8448% | 3,115 |
| Equity capital to assets | 11.5914% | 2,086 |
| Core capital (leverage) ratio | 9.3385% | 4,300 |
| Tier 1 risk-based capital ratio | 12.8235% | 4,189 |
| Total risk-based capital ratio | 12.9943% | 4,802 |
| Memoranda: | ||
| Average total assets | $283,440,800 | 2,262 |
| Average earning assets | $256,356,200 | 2,306 |
| Average equity | $26,884,800 | 2,579 |
| Average total loans | $157,772,800 | 2,545 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5273% | 4,735 |
| Cost of funding earning assets | 0.2412% | 4,688 |
| Net interest margin | 3.2861% | 4,231 |
| Noninterest income to average assets | 1.4412% | 572 |
| Noninterest expense to average assets | 3.4312% | 1,283 |
| Loan and lease loss provision to assets | 1.2564% | 71 |
| Net operating income to assets | -0.0652% | 5,751 |
| Return on assets (ROA) | 0.0503% | 5,710 |
| Pretax return on assets | -0.0738% | 5,760 |
| Return on Equity (ROE) | 0.5616% | 5,693 |
| Retained earnings to average equity (ytd only) | -3.1122% | 5,659 |
| Net charge-offs to loans | 2.4117% | 51 |
| Credit loss provision to net charge-offs | 91.5382% | 2,508 |
| Earnings coverage of net charge-offs (x) | 0.7300% | 3,768 |
| Efficiency ratio | 77.3971% | 1,777 |
| Assets per employee ($millions) | 3.5096% | 4,769 |
| Cash dividends to net income (ytd only)* | 654.2198% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5187% | 1,699 |
| Loan loss allowance to noncurrent loans | 67.3099% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 3.6651% | 252 |
| Noncurrent loans to loans | 2.2563% | 824 |
| Net loans and leases to total assets | 53.3077% | 4,556 |
| Net loans and leases to deposits | 60.8852% | 4,692 |
| Net loans and leases to core deposits | 61.3272% | 4,870 |
| Total domestic deposits to total assets | 87.5544% | 1,637 |
| Equity capital to assets | 8.9958% | 5,182 |
| Core capital (leverage) ratio | 8.8423% | 5,009 |
| Tier 1 risk-based capital ratio | 12.3009% | 4,608 |
| Total risk-based capital ratio | 13.4495% | 4,566 |
| Memoranda: | ||
| Average total assets | $283,546,250 | 2,267 |
| Average earning assets | $258,169,250 | 2,302 |
| Average equity | $25,404,500 | 2,697 |
| Average total loans | $161,372,500 | 2,509 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6144% | 4,550 |
| Cost of funding earning assets | 0.2391% | 4,765 |
| Net interest margin | 3.3753% | 3,980 |
| Noninterest income to average assets | 1.3667% | 613 |
| Noninterest expense to average assets | 3.4987% | 1,160 |
| Loan and lease loss provision to assets | 1.5905% | 55 |
| Net operating income to assets | -0.3458% | 5,890 |
| Return on assets (ROA) | -0.1723% | 5,861 |
| Pretax return on assets | -0.3819% | 5,901 |
| Return on Equity (ROE) | -1.9252% | 5,868 |
| Retained earnings to average equity (ytd only) | -5.8702% | 5,782 |
| Net charge-offs to loans | 2.7717% | 50 |
| Credit loss provision to net charge-offs | 99.2074% | 2,138 |
| Earnings coverage of net charge-offs (x) | 0.5848% | 3,508 |
| Efficiency ratio | 78.8670% | 1,658 |
| Assets per employee ($millions) | 3.4124% | 4,901 |
| Cash dividends to net income (ytd only)* | -204.9180% | 6,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 1,547 |
| Loan loss allowance to noncurrent loans | 36.2686% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 4.5239% | 174 |
| Noncurrent loans to loans | 4.3938% | 247 |
| Net loans and leases to total assets | 55.9472% | 4,318 |
| Net loans and leases to deposits | 64.0928% | 4,484 |
| Net loans and leases to core deposits | 64.5608% | 4,702 |
| Total domestic deposits to total assets | 87.2908% | 1,759 |
| Equity capital to assets | 9.0062% | 5,233 |
| Core capital (leverage) ratio | 8.9305% | 4,905 |
| Tier 1 risk-based capital ratio | 11.7726% | 4,995 |
| Total risk-based capital ratio | 12.9844% | 4,899 |
| Memoranda: | ||
| Average total assets | $283,302,330 | 2,278 |
| Average earning assets | $257,632,670 | 2,314 |
| Average equity | $25,348,330 | 2,714 |
| Average total loans | $163,870,330 | 2,485 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6761% | 4,406 |
| Cost of funding earning assets | 0.2428% | 4,773 |
| Net interest margin | 3.4333% | 3,747 |
| Noninterest income to average assets | 1.1634% | 815 |
| Noninterest expense to average assets | 3.5395% | 1,113 |
| Loan and lease loss provision to assets | 0.2127% | 914 |
| Net operating income to assets | 0.3887% | 5,028 |
| Return on assets (ROA) | 0.3887% | 5,105 |
| Pretax return on assets | 0.5380% | 4,985 |
| Return on Equity (ROE) | 4.2591% | 4,797 |
| Retained earnings to average equity (ytd only) | 0.4012% | 5,019 |
| Net charge-offs to loans | 0.3703% | 597 |
| Credit loss provision to net charge-offs | 98.0519% | 1,693 |
| Earnings coverage of net charge-offs (x) | 3.4610% | 2,545 |
| Efficiency ratio | 82.5016% | 1,330 |
| Assets per employee ($millions) | 3.3712% | 5,022 |
| Cash dividends to net income (ytd only)* | 90.5797% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 1,783 |
| Loan loss allowance to noncurrent loans | 86.9609% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 4.0454% | 247 |
| Noncurrent loans to loans | 1.7848% | 1,241 |
| Net loans and leases to total assets | 57.8126% | 4,063 |
| Net loans and leases to deposits | 66.3266% | 4,225 |
| Net loans and leases to core deposits | 66.8111% | 4,483 |
| Total domestic deposits to total assets | 87.1635% | 2,123 |
| Equity capital to assets | 9.1750% | 5,015 |
| Core capital (leverage) ratio | 9.1707% | 4,632 |
| Tier 1 risk-based capital ratio | 11.6527% | 5,131 |
| Total risk-based capital ratio | 12.8205% | 5,095 |
| Memoranda: | ||
| Average total assets | $283,992,000 | 2,286 |
| Average earning assets | $258,643,000 | 2,321 |
| Average equity | $25,921,000 | 2,670 |
| Average total loans | $166,343,500 | 2,451 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 4,350 |
| Cost of funding earning assets | 0.2968% | 4,281 |
| Net interest margin | 3.4102% | 3,873 |
| Noninterest income to average assets | 1.5144% | 546 |
| Noninterest expense to average assets | 3.5890% | 1,146 |
| Loan and lease loss provision to assets | 0.1754% | 1,299 |
| Net operating income to assets | 0.6042% | 4,248 |
| Return on assets (ROA) | 0.5044% | 4,764 |
| Pretax return on assets | 0.7284% | 4,441 |
| Return on Equity (ROE) | 5.5730% | 4,249 |
| Retained earnings to average equity (ytd only) | 0.2663% | 5,407 |
| Net charge-offs to loans | 0.1216% | 2,160 |
| Credit loss provision to net charge-offs | 239.0476% | 1,192 |
| Earnings coverage of net charge-offs (x) | 14.2905% | 2,313 |
| Efficiency ratio | 77.3936% | 2,063 |
| Assets per employee ($millions) | 3.3506% | 5,066 |
| Cash dividends to net income (ytd only)* | 95.2216% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 1,790 |
| Loan loss allowance to noncurrent loans | 77.6442% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 3.5765% | 324 |
| Noncurrent loans to loans | 2.0001% | 1,043 |
| Net loans and leases to total assets | 57.5162% | 4,147 |
| Net loans and leases to deposits | 65.8691% | 4,327 |
| Net loans and leases to core deposits | 66.3459% | 4,563 |
| Total domestic deposits to total assets | 87.3188% | 1,973 |
| Equity capital to assets | 9.0801% | 5,038 |
| Core capital (leverage) ratio | 9.1478% | 4,690 |
| Tier 1 risk-based capital ratio | 11.7915% | 5,075 |
| Total risk-based capital ratio | 12.9751% | 5,037 |
| Memoranda: | ||
| Average total assets | $286,259,800 | 2,229 |
| Average earning assets | $262,153,800 | 2,253 |
| Average equity | $25,910,600 | 2,623 |
| Average total loans | $172,672,000 | 2,323 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7173% | 4,370 |
| Cost of funding earning assets | 0.3125% | 4,195 |
| Net interest margin | 3.4048% | 3,932 |
| Noninterest income to average assets | 1.5099% | 545 |
| Noninterest expense to average assets | 3.5348% | 1,221 |
| Loan and lease loss provision to assets | 0.2307% | 792 |
| Net operating income to assets | 0.5884% | 4,437 |
| Return on assets (ROA) | 0.5884% | 4,536 |
| Pretax return on assets | 0.8666% | 4,108 |
| Return on Equity (ROE) | 6.5062% | 3,901 |
| Retained earnings to average equity (ytd only) | 1.1058% | 5,274 |
| Net charge-offs to loans | 0.0015% | 4,131 |
| Credit loss provision to net charge-offs | 24,800.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 1,177.9963% | 62 |
| Efficiency ratio | 76.3105% | 2,195 |
| Assets per employee ($millions) | 3.2411% | 5,233 |
| Cash dividends to net income (ytd only)* | 83.0045% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6338% | 1,660 |
| Loan loss allowance to noncurrent loans | 59.9527% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 3.5654% | 355 |
| Noncurrent loans to loans | 2.7252% | 698 |
| Net loans and leases to total assets | 60.1769% | 3,862 |
| Net loans and leases to deposits | 69.2852% | 4,063 |
| Net loans and leases to core deposits | 69.7998% | 4,386 |
| Total domestic deposits to total assets | 86.8540% | 2,115 |
| Equity capital to assets | 9.3529% | 4,937 |
| Core capital (leverage) ratio | 9.0142% | 4,980 |
| Tier 1 risk-based capital ratio | 11.7478% | 5,237 |
| Total risk-based capital ratio | 12.9976% | 5,160 |
| Memoranda: | ||
| Average total assets | $286,624,750 | 2,248 |
| Average earning assets | $262,835,750 | 2,264 |
| Average equity | $25,923,250 | 2,646 |
| Average total loans | $174,242,500 | 2,319 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6994% | 4,411 |
| Cost of funding earning assets | 0.3193% | 4,166 |
| Net interest margin | 3.3801% | 3,970 |
| Noninterest income to average assets | 1.4769% | 583 |
| Noninterest expense to average assets | 3.4703% | 1,347 |
| Loan and lease loss provision to assets | 0.2130% | 902 |
| Net operating income to assets | 0.6071% | 4,312 |
| Return on assets (ROA) | 0.6071% | 4,422 |
| Pretax return on assets | 0.8975% | 3,968 |
| Return on Equity (ROE) | 6.7866% | 3,737 |
| Retained earnings to average equity (ytd only) | 1.3759% | 5,000 |
| Net charge-offs to loans | -0.0410% | 5,459 |
| Credit loss provision to net charge-offs | -855.5556% | 5,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7585% | 2,406 |
| Assets per employee ($millions) | 3.4194% | 4,950 |
| Cash dividends to net income (ytd only)* | 79.7267% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 2,118 |
| Loan loss allowance to noncurrent loans | 57.7311% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 3.5547% | 403 |
| Noncurrent loans to loans | 2.6670% | 818 |
| Net loans and leases to total assets | 58.6879% | 4,019 |
| Net loans and leases to deposits | 68.5363% | 4,081 |
| Net loans and leases to core deposits | 69.0367% | 4,412 |
| Total domestic deposits to total assets | 85.6305% | 2,863 |
| Equity capital to assets | 9.0103% | 5,227 |
| Core capital (leverage) ratio | 9.0348% | 4,915 |
| Tier 1 risk-based capital ratio | 11.6817% | 5,349 |
| Total risk-based capital ratio | 12.8721% | 5,306 |
| Memoranda: | ||
| Average total assets | $289,253,670 | 2,242 |
| Average earning assets | $265,610,000 | 2,264 |
| Average equity | $25,874,330 | 2,662 |
| Average total loans | $175,482,670 | 2,308 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6681% | 4,475 |
| Cost of funding earning assets | 0.3204% | 4,220 |
| Net interest margin | 3.3477% | 4,029 |
| Noninterest income to average assets | 1.3078% | 670 |
| Noninterest expense to average assets | 3.4906% | 1,332 |
| Loan and lease loss provision to assets | 0.2136% | 831 |
| Net operating income to assets | 0.4809% | 4,760 |
| Return on assets (ROA) | 0.4809% | 4,880 |
| Pretax return on assets | 0.6849% | 4,635 |
| Return on Equity (ROE) | 5.3959% | 4,335 |
| Retained earnings to average equity (ytd only) | -0.0155% | 5,380 |
| Net charge-offs to loans | -0.1419% | 5,965 |
| Credit loss provision to net charge-offs | -246.0317% | 4,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5290% | 1,956 |
| Assets per employee ($millions) | 3.5216% | 4,859 |
| Cash dividends to net income (ytd only)* | 100.2865% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 2,816 |
| Loan loss allowance to noncurrent loans | 32.8534% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 4.0056% | 374 |
| Noncurrent loans to loans | 4.3334% | 369 |
| Net loans and leases to total assets | 60.1851% | 3,628 |
| Net loans and leases to deposits | 70.3972% | 3,708 |
| Net loans and leases to core deposits | 70.9088% | 4,070 |
| Total domestic deposits to total assets | 85.4936% | 3,180 |
| Equity capital to assets | 8.9774% | 5,321 |
| Core capital (leverage) ratio | 8.8774% | 5,101 |
| Tier 1 risk-based capital ratio | 11.0719% | 5,773 |
| Total risk-based capital ratio | 12.1545% | 5,776 |
| Memoranda: | ||
| Average total assets | $290,267,500 | 2,246 |
| Average earning assets | $267,169,000 | 2,268 |
| Average equity | $25,871,500 | 2,680 |
| Average total loans | $177,622,500 | 2,288 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8492% | 4,324 |
| Cost of funding earning assets | 0.3274% | 4,521 |
| Net interest margin | 3.5218% | 3,709 |
| Noninterest income to average assets | 1.4707% | 567 |
| Noninterest expense to average assets | 3.4650% | 1,564 |
| Loan and lease loss provision to assets | 0.1310% | 2,001 |
| Net operating income to assets | 0.7480% | 3,638 |
| Return on assets (ROA) | 0.7731% | 3,600 |
| Pretax return on assets | 1.1671% | 2,794 |
| Return on Equity (ROE) | 8.4534% | 2,875 |
| Retained earnings to average equity (ytd only) | 3.1487% | 3,996 |
| Net charge-offs to loans | 0.6478% | 598 |
| Credit loss provision to net charge-offs | 32.8982% | 3,795 |
| Earnings coverage of net charge-offs (x) | 3.1645% | 3,960 |
| Efficiency ratio | 73.3333% | 2,958 |
| Assets per employee ($millions) | 3.4853% | 4,930 |
| Cash dividends to net income (ytd only)* | 62.7521% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 2,610 |
| Loan loss allowance to noncurrent loans | 30.1636% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 3.4119% | 555 |
| Noncurrent loans to loans | 4.8711% | 314 |
| Net loans and leases to total assets | 60.8144% | 3,670 |
| Net loans and leases to deposits | 72.6150% | 3,606 |
| Net loans and leases to core deposits | 73.2233% | 4,000 |
| Total domestic deposits to total assets | 83.7491% | 3,819 |
| Equity capital to assets | 9.2302% | 5,029 |
| Core capital (leverage) ratio | 9.1653% | 4,723 |
| Tier 1 risk-based capital ratio | 12.2480% | 5,194 |
| Total risk-based capital ratio | 13.4749% | 5,122 |
| Memoranda: | ||
| Average total assets | $288,574,200 | 2,223 |
| Average earning assets | $266,653,400 | 2,223 |
| Average equity | $26,391,600 | 2,538 |
| Average total loans | $177,363,000 | 2,255 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9508% | 3,962 |
| Cost of funding earning assets | 0.3275% | 4,588 |
| Net interest margin | 3.6233% | 3,335 |
| Noninterest income to average assets | 1.3698% | 660 |
| Noninterest expense to average assets | 3.4658% | 1,540 |
| Loan and lease loss provision to assets | 0.1744% | 1,407 |
| Net operating income to assets | 0.7197% | 3,838 |
| Return on assets (ROA) | 0.7378% | 3,845 |
| Pretax return on assets | 1.1064% | 3,160 |
| Return on Equity (ROE) | 8.0861% | 3,157 |
| Retained earnings to average equity (ytd only) | 2.7496% | 4,637 |
| Net charge-offs to loans | 0.6571% | 543 |
| Credit loss provision to net charge-offs | 43.2184% | 3,235 |
| Earnings coverage of net charge-offs (x) | 3.1080% | 3,740 |
| Efficiency ratio | 73.4329% | 2,914 |
| Assets per employee ($millions) | 3.4593% | 4,936 |
| Cash dividends to net income (ytd only)* | 65.9965% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6235% | 2,219 |
| Loan loss allowance to noncurrent loans | 41.0644% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 2.6139% | 985 |
| Noncurrent loans to loans | 3.9537% | 544 |
| Net loans and leases to total assets | 61.8764% | 3,505 |
| Net loans and leases to deposits | 73.9175% | 3,439 |
| Net loans and leases to core deposits | 74.5606% | 3,892 |
| Total domestic deposits to total assets | 83.7100% | 3,875 |
| Equity capital to assets | 9.2505% | 5,084 |
| Core capital (leverage) ratio | 9.1834% | 4,809 |
| Tier 1 risk-based capital ratio | 12.2871% | 5,309 |
| Total risk-based capital ratio | 13.5387% | 5,229 |
| Memoranda: | ||
| Average total assets | $287,526,250 | 2,240 |
| Average earning assets | $265,829,250 | 2,241 |
| Average equity | $26,233,750 | 2,555 |
| Average total loans | $176,529,000 | 2,276 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9191% | 4,054 |
| Cost of funding earning assets | 0.3264% | 4,680 |
| Net interest margin | 3.5927% | 3,385 |
| Noninterest income to average assets | 1.3439% | 664 |
| Noninterest expense to average assets | 3.4631% | 1,547 |
| Loan and lease loss provision to assets | 0.1530% | 1,613 |
| Net operating income to assets | 0.7050% | 3,814 |
| Return on assets (ROA) | 0.7050% | 3,905 |
| Pretax return on assets | 1.0492% | 3,282 |
| Return on Equity (ROE) | 7.7627% | 3,225 |
| Retained earnings to average equity (ytd only) | 2.4038% | 4,677 |
| Net charge-offs to loans | 0.1952% | 1,856 |
| Credit loss provision to net charge-offs | 128.6550% | 1,619 |
| Earnings coverage of net charge-offs (x) | 10.1111% | 2,279 |
| Efficiency ratio | 74.2325% | 2,934 |
| Assets per employee ($millions) | 3.3525% | 5,152 |
| Cash dividends to net income (ytd only)* | 69.0335% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0193% | 1,328 |
| Loan loss allowance to noncurrent loans | 99.4562% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.3385% | 2,446 |
| Noncurrent loans to loans | 2.0303% | 1,661 |
| Net loans and leases to total assets | 58.4830% | 3,923 |
| Net loans and leases to deposits | 68.3759% | 4,013 |
| Net loans and leases to core deposits | 68.9544% | 4,366 |
| Total domestic deposits to total assets | 85.5316% | 3,273 |
| Equity capital to assets | 9.1739% | 5,134 |
| Core capital (leverage) ratio | 9.0965% | 4,877 |
| Tier 1 risk-based capital ratio | 13.0311% | 4,889 |
| Total risk-based capital ratio | 14.2874% | 4,819 |
| Memoranda: | ||
| Average total assets | $287,661,330 | 2,239 |
| Average earning assets | $265,930,330 | 2,236 |
| Average equity | $26,125,000 | 2,553 |
| Average total loans | $175,174,670 | 2,291 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 3,771 |
| Cost of funding earning assets | 0.3226% | 4,824 |
| Net interest margin | 3.6567% | 3,037 |
| Noninterest income to average assets | 1.2780% | 684 |
| Noninterest expense to average assets | 3.5388% | 1,416 |
| Loan and lease loss provision to assets | 0.2172% | 1,049 |
| Net operating income to assets | 0.6209% | 4,094 |
| Return on assets (ROA) | 0.6209% | 4,177 |
| Pretax return on assets | 0.8993% | 3,696 |
| Return on Equity (ROE) | 6.8714% | 3,547 |
| Retained earnings to average equity (ytd only) | 1.4791% | 5,020 |
| Net charge-offs to loans | 0.2739% | 1,252 |
| Credit loss provision to net charge-offs | 128.9256% | 1,393 |
| Earnings coverage of net charge-offs (x) | 6.6281% | 2,205 |
| Efficiency ratio | 76.0167% | 2,805 |
| Assets per employee ($millions) | 3.2628% | 5,418 |
| Cash dividends to net income (ytd only)* | 78.4753% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9758% | 1,562 |
| Loan loss allowance to noncurrent loans | 99.0839% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.3994% | 2,544 |
| Noncurrent loans to loans | 1.9941% | 1,870 |
| Net loans and leases to total assets | 59.8010% | 3,596 |
| Net loans and leases to deposits | 69.8597% | 3,622 |
| Net loans and leases to core deposits | 70.4516% | 4,041 |
| Total domestic deposits to total assets | 85.6016% | 3,559 |
| Equity capital to assets | 9.0813% | 5,020 |
| Core capital (leverage) ratio | 9.1606% | 4,775 |
| Tier 1 risk-based capital ratio | 12.2289% | 5,485 |
| Total risk-based capital ratio | 13.4837% | 5,420 |
| Memoranda: | ||
| Average total assets | $287,333,000 | 2,251 |
| Average earning assets | $265,378,000 | 2,247 |
| Average equity | $25,962,500 | 2,556 |
| Average total loans | $176,716,000 | 2,267 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2857% | 3,013 |
| Cost of funding earning assets | 0.3560% | 5,084 |
| Net interest margin | 3.9298% | 2,182 |
| Noninterest income to average assets | 1.6741% | 516 |
| Noninterest expense to average assets | 3.6006% | 1,448 |
| Loan and lease loss provision to assets | 0.0688% | 3,755 |
| Net operating income to assets | 1.0553% | 2,094 |
| Return on assets (ROA) | 1.0786% | 2,085 |
| Pretax return on assets | 1.6519% | 1,049 |
| Return on Equity (ROE) | 11.5313% | 1,583 |
| Retained earnings to average equity (ytd only) | 5.9988% | 1,970 |
| Net charge-offs to loans | 0.0289% | 4,845 |
| Credit loss provision to net charge-offs | 379.5918% | 597 |
| Earnings coverage of net charge-offs (x) | 93.0204% | 487 |
| Efficiency ratio | 68.1236% | 4,175 |
| Assets per employee ($millions) | 3.4231% | 5,035 |
| Cash dividends to net income (ytd only)* | 47.9781% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9219% | 1,732 |
| Loan loss allowance to noncurrent loans | 78.5060% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.6422% | 2,252 |
| Noncurrent loans to loans | 2.4480% | 1,559 |
| Net loans and leases to total assets | 60.8057% | 3,571 |
| Net loans and leases to deposits | 70.9871% | 3,655 |
| Net loans and leases to core deposits | 71.6600% | 4,114 |
| Total domestic deposits to total assets | 85.6575% | 3,423 |
| Equity capital to assets | 8.9901% | 5,046 |
| Core capital (leverage) ratio | 8.9804% | 5,033 |
| Tier 1 risk-based capital ratio | 11.9931% | 5,615 |
| Total risk-based capital ratio | 13.2473% | 5,555 |
| Memoranda: | ||
| Average total assets | $270,538,200 | 2,341 |
| Average earning assets | $248,614,800 | 2,342 |
| Average equity | $25,305,000 | 2,603 |
| Average total loans | $169,507,200 | 2,313 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3069% | 2,954 |
| Cost of funding earning assets | 0.3562% | 5,238 |
| Net interest margin | 3.9507% | 2,111 |
| Noninterest income to average assets | 1.5221% | 626 |
| Noninterest expense to average assets | 3.6386% | 1,335 |
| Loan and lease loss provision to assets | 0.2338% | 1,547 |
| Net operating income to assets | 0.8497% | 3,098 |
| Return on assets (ROA) | 0.8822% | 3,037 |
| Pretax return on assets | 1.3243% | 2,235 |
| Return on Equity (ROE) | 9.3341% | 2,467 |
| Retained earnings to average equity (ytd only) | 3.7718% | 3,998 |
| Net charge-offs to loans | 0.3419% | 1,838 |
| Credit loss provision to net charge-offs | 108.8578% | 2,158 |
| Earnings coverage of net charge-offs (x) | 7.0279% | 2,859 |
| Efficiency ratio | 70.6769% | 3,646 |
| Assets per employee ($millions) | 3.1794% | 5,539 |
| Cash dividends to net income (ytd only)* | 59.5917% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9289% | 1,913 |
| Loan loss allowance to noncurrent loans | 92.8811% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.4955% | 2,690 |
| Noncurrent loans to loans | 2.0767% | 2,159 |
| Net loans and leases to total assets | 63.3387% | 3,103 |
| Net loans and leases to deposits | 74.6294% | 3,137 |
| Net loans and leases to core deposits | 75.3978% | 3,686 |
| Total domestic deposits to total assets | 84.8710% | 3,807 |
| Equity capital to assets | 9.3796% | 4,700 |
| Core capital (leverage) ratio | 9.2918% | 4,703 |
| Tier 1 risk-based capital ratio | 11.7963% | 5,907 |
| Total risk-based capital ratio | 13.0505% | 5,854 |
| Memoranda: | ||
| Average total assets | $266,288,500 | 2,392 |
| Average earning assets | $244,406,500 | 2,397 |
| Average equity | $25,168,750 | 2,641 |
| Average total loans | $167,317,750 | 2,339 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2980% | 2,956 |
| Cost of funding earning assets | 0.3582% | 5,330 |
| Net interest margin | 3.9399% | 2,076 |
| Noninterest income to average assets | 1.4675% | 732 |
| Noninterest expense to average assets | 3.6568% | 1,316 |
| Loan and lease loss provision to assets | 0.3458% | 970 |
| Net operating income to assets | 0.7345% | 3,640 |
| Return on assets (ROA) | 0.7345% | 3,800 |
| Pretax return on assets | 1.0788% | 3,179 |
| Return on Equity (ROE) | 7.7514% | 3,212 |
| Retained earnings to average equity (ytd only) | 2.1977% | 4,877 |
| Net charge-offs to loans | 0.5073% | 1,297 |
| Credit loss provision to net charge-offs | 109.5238% | 2,019 |
| Earnings coverage of net charge-offs (x) | 4.5119% | 3,110 |
| Efficiency ratio | 71.9633% | 3,475 |
| Assets per employee ($millions) | 3.1390% | 5,603 |
| Cash dividends to net income (ytd only)* | 71.6479% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9621% | 1,941 |
| Loan loss allowance to noncurrent loans | 96.7170% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.4428% | 2,939 |
| Noncurrent loans to loans | 2.0287% | 2,370 |
| Net loans and leases to total assets | 61.6171% | 3,367 |
| Net loans and leases to deposits | 72.1303% | 3,429 |
| Net loans and leases to core deposits | 72.8589% | 3,953 |
| Total domestic deposits to total assets | 85.4247% | 3,679 |
| Equity capital to assets | 9.0630% | 5,154 |
| Core capital (leverage) ratio | 9.0773% | 4,866 |
| Tier 1 risk-based capital ratio | 11.9445% | 5,824 |
| Total risk-based capital ratio | 13.1992% | 5,771 |
| Memoranda: | ||
| Average total assets | $266,028,330 | 2,405 |
| Average earning assets | $244,018,330 | 2,409 |
| Average equity | $25,208,330 | 2,653 |
| Average total loans | $165,595,330 | 2,360 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3403% | 2,725 |
| Cost of funding earning assets | 0.3658% | 5,406 |
| Net interest margin | 3.9745% | 1,878 |
| Noninterest income to average assets | 1.2421% | 991 |
| Noninterest expense to average assets | 3.6870% | 1,270 |
| Loan and lease loss provision to assets | 0.3499% | 933 |
| Net operating income to assets | 0.5953% | 4,242 |
| Return on assets (ROA) | 0.5953% | 4,390 |
| Pretax return on assets | 0.8422% | 3,991 |
| Return on Equity (ROE) | 6.1455% | 3,967 |
| Retained earnings to average equity (ytd only) | 0.6724% | 5,558 |
| Net charge-offs to loans | 0.9391% | 654 |
| Credit loss provision to net charge-offs | 60.1563% | 2,442 |
| Earnings coverage of net charge-offs (x) | 2.0495% | 3,150 |
| Efficiency ratio | 75.5666% | 3,002 |
| Assets per employee ($millions) | 3.1218% | 5,783 |
| Cash dividends to net income (ytd only)* | 89.0585% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9383% | 2,202 |
| Loan loss allowance to noncurrent loans | 81.1384% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.5692% | 2,915 |
| Noncurrent loans to loans | 2.3888% | 2,174 |
| Net loans and leases to total assets | 59.0957% | 3,585 |
| Net loans and leases to deposits | 69.6780% | 3,544 |
| Net loans and leases to core deposits | 70.3897% | 4,025 |
| Total domestic deposits to total assets | 84.8125% | 4,134 |
| Equity capital to assets | 9.4525% | 4,922 |
| Core capital (leverage) ratio | 9.1704% | 4,612 |
| Tier 1 risk-based capital ratio | 12.4253% | 5,623 |
| Total risk-based capital ratio | 13.6798% | 5,568 |
| Memoranda: | ||
| Average total assets | $264,064,500 | 2,451 |
| Average earning assets | $241,642,500 | 2,459 |
| Average equity | $25,579,500 | 2,651 |
| Average total loans | $163,559,000 | 2,397 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6965% | 2,610 |
| Cost of funding earning assets | 0.5206% | 5,068 |
| Net interest margin | 4.1758% | 1,727 |
| Noninterest income to average assets | 2.0546% | 417 |
| Noninterest expense to average assets | 3.6264% | 1,547 |
| Loan and lease loss provision to assets | 0.7988% | 608 |
| Net operating income to assets | 0.9768% | 2,440 |
| Return on assets (ROA) | 0.9763% | 2,668 |
| Pretax return on assets | 1.4500% | 1,850 |
| Return on Equity (ROE) | 9.8965% | 2,217 |
| Retained earnings to average equity (ytd only) | 4.3722% | 3,151 |
| Net charge-offs to loans | 0.7821% | 1,496 |
| Credit loss provision to net charge-offs | 159.1932% | 1,688 |
| Earnings coverage of net charge-offs (x) | 4.4833% | 3,350 |
| Efficiency ratio | 61.7158% | 5,279 |
| Assets per employee ($millions) | 2.7919% | 6,329 |
| Cash dividends to net income (ytd only)* | 55.8214% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9894% | 2,037 |
| Loan loss allowance to noncurrent loans | 66.2437% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 2.5199% | 1,934 |
| Noncurrent loans to loans | 3.0032% | 1,733 |
| Net loans and leases to total assets | 62.4045% | 3,191 |
| Net loans and leases to deposits | 74.3828% | 3,039 |
| Net loans and leases to core deposits | 75.0366% | 3,655 |
| Total domestic deposits to total assets | 83.8965% | 4,361 |
| Equity capital to assets | 9.9291% | 4,270 |
| Core capital (leverage) ratio | 9.4387% | 4,202 |
| Tier 1 risk-based capital ratio | 12.2496% | 5,632 |
| Total risk-based capital ratio | 13.5048% | 5,585 |
| Memoranda: | ||
| Average total assets | $256,892,600 | 2,470 |
| Average earning assets | $235,091,800 | 2,455 |
| Average equity | $25,342,200 | 2,623 |
| Average total loans | $164,813,200 | 2,365 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 2,509 |
| Cost of funding earning assets | 0.5403% | 5,165 |
| Net interest margin | 4.2297% | 1,642 |
| Noninterest income to average assets | 2.0551% | 404 |
| Noninterest expense to average assets | 3.5794% | 1,593 |
| Loan and lease loss provision to assets | 0.9732% | 425 |
| Net operating income to assets | 0.9354% | 2,814 |
| Return on assets (ROA) | 0.9347% | 3,038 |
| Pretax return on assets | 1.3760% | 2,320 |
| Return on Equity (ROE) | 9.4902% | 2,596 |
| Retained earnings to average equity (ytd only) | 3.9419% | 4,111 |
| Net charge-offs to loans | 1.0031% | 1,059 |
| Credit loss provision to net charge-offs | 150.9282% | 1,870 |
| Earnings coverage of net charge-offs (x) | 3.6449% | 3,567 |
| Efficiency ratio | 60.3651% | 5,436 |
| Assets per employee ($millions) | 2.8336% | 6,316 |
| Cash dividends to net income (ytd only)* | 58.4634% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8905% | 2,510 |
| Loan loss allowance to noncurrent loans | 56.2444% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 2.3117% | 2,298 |
| Noncurrent loans to loans | 3.3613% | 1,632 |
| Net loans and leases to total assets | 63.5354% | 3,111 |
| Net loans and leases to deposits | 75.4202% | 3,076 |
| Net loans and leases to core deposits | 76.0535% | 3,720 |
| Total domestic deposits to total assets | 84.2419% | 4,108 |
| Equity capital to assets | 9.8115% | 4,765 |
| Core capital (leverage) ratio | 9.3133% | 4,560 |
| Tier 1 risk-based capital ratio | 11.9789% | 5,947 |
| Total risk-based capital ratio | 13.2328% | 5,933 |
| Memoranda: | ||
| Average total assets | $256,203,000 | 2,495 |
| Average earning assets | $234,681,500 | 2,481 |
| Average equity | $25,232,500 | 2,658 |
| Average total loans | $164,685,750 | 2,392 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8546% | 2,286 |
| Cost of funding earning assets | 0.5494% | 5,310 |
| Net interest margin | 4.3052% | 1,467 |
| Noninterest income to average assets | 1.9229% | 423 |
| Noninterest expense to average assets | 3.5635% | 1,653 |
| Loan and lease loss provision to assets | 0.2809% | 2,333 |
| Net operating income to assets | 1.3255% | 1,372 |
| Return on assets (ROA) | 1.3245% | 1,527 |
| Pretax return on assets | 2.0192% | 674 |
| Return on Equity (ROE) | 13.4312% | 1,247 |
| Retained earnings to average equity (ytd only) | 7.8778% | 1,682 |
| Net charge-offs to loans | 0.1733% | 3,562 |
| Credit loss provision to net charge-offs | 252.8169% | 1,135 |
| Earnings coverage of net charge-offs (x) | 20.7183% | 1,376 |
| Efficiency ratio | 60.7576% | 5,456 |
| Assets per employee ($millions) | 2.8527% | 6,315 |
| Cash dividends to net income (ytd only)* | 41.3467% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6273% | 3,506 |
| Loan loss allowance to noncurrent loans | 71.5068% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.6479% | 3,251 |
| Noncurrent loans to loans | 2.2757% | 2,645 |
| Net loans and leases to total assets | 65.3119% | 2,801 |
| Net loans and leases to deposits | 78.0241% | 2,663 |
| Net loans and leases to core deposits | 78.7892% | 3,399 |
| Total domestic deposits to total assets | 83.7074% | 4,436 |
| Equity capital to assets | 10.0420% | 4,273 |
| Core capital (leverage) ratio | 9.4678% | 4,182 |
| Tier 1 risk-based capital ratio | 12.1814% | 5,810 |
| Total risk-based capital ratio | 13.4333% | 5,786 |
| Memoranda: | ||
| Average total assets | $255,650,330 | 2,490 |
| Average earning assets | $234,088,330 | 2,484 |
| Average equity | $25,210,000 | 2,644 |
| Average total loans | $163,917,670 | 2,416 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8684% | 2,358 |
| Cost of funding earning assets | 0.5606% | 5,429 |
| Net interest margin | 4.3078% | 1,446 |
| Noninterest income to average assets | 1.9600% | 422 |
| Noninterest expense to average assets | 3.5801% | 1,608 |
| Loan and lease loss provision to assets | 0.2776% | 2,240 |
| Net operating income to assets | 1.3394% | 1,349 |
| Return on assets (ROA) | 1.3394% | 1,511 |
| Pretax return on assets | 2.0442% | 688 |
| Return on Equity (ROE) | 13.7073% | 1,251 |
| Retained earnings to average equity (ytd only) | 8.1222% | 1,940 |
| Net charge-offs to loans | 0.3391% | 2,300 |
| Credit loss provision to net charge-offs | 129.9270% | 1,869 |
| Earnings coverage of net charge-offs (x) | 10.8686% | 1,724 |
| Efficiency ratio | 60.6605% | 5,512 |
| Assets per employee ($millions) | 2.9085% | 6,334 |
| Cash dividends to net income (ytd only)* | 40.7451% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 3,953 |
| Loan loss allowance to noncurrent loans | 181.6702% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.9768% | 4,556 |
| Noncurrent loans to loans | 0.8517% | 4,972 |
| Net loans and leases to total assets | 63.8145% | 2,884 |
| Net loans and leases to deposits | 76.2465% | 2,758 |
| Net loans and leases to core deposits | 77.0821% | 3,461 |
| Total domestic deposits to total assets | 83.6949% | 4,636 |
| Equity capital to assets | 9.8232% | 4,339 |
| Core capital (leverage) ratio | 9.3406% | 4,296 |
| Tier 1 risk-based capital ratio | 11.8022% | 6,085 |
| Total risk-based capital ratio | 13.0527% | 6,065 |
| Memoranda: | ||
| Average total assets | $256,528,500 | 2,504 |
| Average earning assets | $234,738,500 | 2,492 |
| Average equity | $25,067,000 | 2,657 |
| Average total loans | $161,593,500 | 2,460 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9787% | 2,978 |
| Cost of funding earning assets | 0.7309% | 5,334 |
| Net interest margin | 4.2477% | 1,893 |
| Noninterest income to average assets | 1.6902% | 494 |
| Noninterest expense to average assets | 3.5679% | 1,809 |
| Loan and lease loss provision to assets | 0.2458% | 3,753 |
| Net operating income to assets | 1.2332% | 1,424 |
| Return on assets (ROA) | 1.2302% | 1,534 |
| Pretax return on assets | 1.7881% | 821 |
| Return on Equity (ROE) | 13.0363% | 1,157 |
| Retained earnings to average equity (ytd only) | 7.1069% | 1,448 |
| Net charge-offs to loans | 0.5326% | 2,875 |
| Credit loss provision to net charge-offs | 76.2082% | 4,631 |
| Earnings coverage of net charge-offs (x) | 6.3197% | 2,544 |
| Efficiency ratio | 63.6415% | 5,188 |
| Assets per employee ($millions) | 2.9217% | 6,243 |
| Cash dividends to net income (ytd only)* | 45.4841% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6060% | 3,565 |
| Loan loss allowance to noncurrent loans | 459.2727% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.6367% | 5,380 |
| Noncurrent loans to loans | 0.3497% | 6,029 |
| Net loans and leases to total assets | 60.1932% | 3,955 |
| Net loans and leases to deposits | 71.7676% | 3,832 |
| Net loans and leases to core deposits | 76.4909% | 3,908 |
| Total domestic deposits to total assets | 83.8724% | 4,370 |
| Equity capital to assets | 9.7203% | 4,562 |
| Core capital (leverage) ratio | 9.1156% | 4,592 |
| Tier 1 risk-based capital ratio | 11.7161% | 6,013 |
| Total risk-based capital ratio | 12.9662% | 6,001 |
| Memoranda: | ||
| Average total assets | $250,205,600 | 2,520 |
| Average earning assets | $230,664,200 | 2,501 |
| Average equity | $23,611,000 | 2,717 |
| Average total loans | $151,516,600 | 2,623 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0125% | 3,023 |
| Cost of funding earning assets | 0.7757% | 5,306 |
| Net interest margin | 4.2369% | 1,961 |
| Noninterest income to average assets | 1.5926% | 519 |
| Noninterest expense to average assets | 3.4642% | 2,040 |
| Loan and lease loss provision to assets | 0.2179% | 3,833 |
| Net operating income to assets | 1.2121% | 1,623 |
| Return on assets (ROA) | 1.2121% | 1,727 |
| Pretax return on assets | 1.8233% | 913 |
| Return on Equity (ROE) | 12.9457% | 1,291 |
| Retained earnings to average equity (ytd only) | 6.9285% | 2,008 |
| Net charge-offs to loans | 0.5473% | 2,598 |
| Credit loss provision to net charge-offs | 65.9091% | 4,608 |
| Earnings coverage of net charge-offs (x) | 6.1753% | 2,603 |
| Efficiency ratio | 62.9240% | 5,253 |
| Assets per employee ($millions) | 2.9804% | 6,167 |
| Cash dividends to net income (ytd only)* | 46.4810% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6007% | 3,662 |
| Loan loss allowance to noncurrent loans | 226.5583% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.7287% | 5,332 |
| Noncurrent loans to loans | 0.7065% | 5,468 |
| Net loans and leases to total assets | 60.8585% | 3,971 |
| Net loans and leases to deposits | 73.8207% | 3,680 |
| Net loans and leases to core deposits | 79.3535% | 3,730 |
| Total domestic deposits to total assets | 82.4410% | 4,900 |
| Equity capital to assets | 9.6153% | 4,912 |
| Core capital (leverage) ratio | 9.1481% | 4,712 |
| Tier 1 risk-based capital ratio | 11.8739% | 5,983 |
| Total risk-based capital ratio | 13.1251% | 5,964 |
| Memoranda: | ||
| Average total assets | $248,479,000 | 2,549 |
| Average earning assets | $229,472,000 | 2,520 |
| Average equity | $23,265,750 | 2,758 |
| Average total loans | $150,073,250 | 2,660 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0197% | 3,064 |
| Cost of funding earning assets | 0.8206% | 5,240 |
| Net interest margin | 4.1991% | 2,040 |
| Noninterest income to average assets | 1.5053% | 568 |
| Noninterest expense to average assets | 3.4424% | 2,145 |
| Loan and lease loss provision to assets | 0.2212% | 3,705 |
| Net operating income to assets | 1.1545% | 1,704 |
| Return on assets (ROA) | 1.1545% | 1,784 |
| Pretax return on assets | 1.7265% | 999 |
| Return on Equity (ROE) | 12.4447% | 1,359 |
| Retained earnings to average equity (ytd only) | 6.3315% | 2,224 |
| Net charge-offs to loans | 0.7818% | 1,938 |
| Credit loss provision to net charge-offs | 47.2318% | 4,654 |
| Earnings coverage of net charge-offs (x) | 4.1592% | 2,946 |
| Efficiency ratio | 63.8659% | 5,264 |
| Assets per employee ($millions) | 2.8200% | 6,433 |
| Cash dividends to net income (ytd only)* | 49.1228% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5997% | 3,696 |
| Loan loss allowance to noncurrent loans | 176.7766% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.7898% | 5,316 |
| Noncurrent loans to loans | 0.9049% | 5,155 |
| Net loans and leases to total assets | 59.8125% | 4,306 |
| Net loans and leases to deposits | 71.7466% | 4,152 |
| Net loans and leases to core deposits | 76.7774% | 4,214 |
| Total domestic deposits to total assets | 83.3663% | 4,604 |
| Equity capital to assets | 9.4186% | 4,944 |
| Core capital (leverage) ratio | 8.9779% | 4,760 |
| Tier 1 risk-based capital ratio | 11.7533% | 5,972 |
| Total risk-based capital ratio | 13.0034% | 5,972 |
| Memoranda: | ||
| Average total assets | $246,860,330 | 2,583 |
| Average earning assets | $228,380,670 | 2,548 |
| Average equity | $22,901,330 | 2,773 |
| Average total loans | $147,869,670 | 2,721 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0291% | 2,962 |
| Cost of funding earning assets | 0.8739% | 5,100 |
| Net interest margin | 4.1552% | 2,062 |
| Noninterest income to average assets | 1.4979% | 576 |
| Noninterest expense to average assets | 3.4962% | 2,012 |
| Loan and lease loss provision to assets | 0.2486% | 3,172 |
| Net operating income to assets | 1.0787% | 1,912 |
| Return on assets (ROA) | 1.0787% | 1,964 |
| Pretax return on assets | 1.6003% | 1,192 |
| Return on Equity (ROE) | 11.7183% | 1,539 |
| Retained earnings to average equity (ytd only) | 5.5415% | 2,887 |
| Net charge-offs to loans | 1.5466% | 876 |
| Credit loss provision to net charge-offs | 27.0318% | 4,164 |
| Earnings coverage of net charge-offs (x) | 2.0106% | 3,301 |
| Efficiency ratio | 65.4103% | 5,138 |
| Assets per employee ($millions) | 2.8561% | 6,433 |
| Cash dividends to net income (ytd only)* | 52.7108% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 3,840 |
| Loan loss allowance to noncurrent loans | 160.4036% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.8273% | 5,250 |
| Noncurrent loans to loans | 0.9825% | 5,078 |
| Net loans and leases to total assets | 58.6076% | 4,529 |
| Net loans and leases to deposits | 69.2109% | 4,490 |
| Net loans and leases to core deposits | 70.3453% | 5,001 |
| Total domestic deposits to total assets | 84.6796% | 4,194 |
| Equity capital to assets | 9.2372% | 4,830 |
| Core capital (leverage) ratio | 8.7750% | 4,963 |
| Tier 1 risk-based capital ratio | 12.0089% | 5,686 |
| Total risk-based capital ratio | 13.2592% | 5,672 |
| Memoranda: | ||
| Average total assets | $246,211,000 | 2,594 |
| Average earning assets | $227,953,500 | 2,569 |
| Average equity | $22,665,500 | 2,783 |
| Average total loans | $146,383,000 | 2,767 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9258% | 4,899 |
| Cost of funding earning assets | 1.1425% | 4,892 |
| Net interest margin | 3.7833% | 4,014 |
| Noninterest income to average assets | 1.5500% | 613 |
| Noninterest expense to average assets | 3.1761% | 3,169 |
| Loan and lease loss provision to assets | 0.4029% | 3,698 |
| Net operating income to assets | 1.0222% | 1,957 |
| Return on assets (ROA) | 1.1872% | 1,522 |
| Pretax return on assets | 1.7264% | 895 |
| Return on Equity (ROE) | 13.3577% | 1,008 |
| Retained earnings to average equity (ytd only) | 7.1116% | 1,271 |
| Net charge-offs to loans | 0.5581% | 3,382 |
| Credit loss provision to net charge-offs | 126.8414% | 3,190 |
| Earnings coverage of net charge-offs (x) | 5.9513% | 2,484 |
| Efficiency ratio | 62.6908% | 5,585 |
| Assets per employee ($millions) | 2.9035% | 6,313 |
| Cash dividends to net income (ytd only)* | 46.7602% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8552% | 2,679 |
| Loan loss allowance to noncurrent loans | 179.5244% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.9234% | 5,172 |
| Noncurrent loans to loans | 1.0334% | 5,002 |
| Net loans and leases to total assets | 58.2617% | 4,984 |
| Net loans and leases to deposits | 70.4928% | 4,753 |
| Net loans and leases to core deposits | 71.3955% | 5,284 |
| Total domestic deposits to total assets | 82.6492% | 4,951 |
| Equity capital to assets | 9.1744% | 4,881 |
| Core capital (leverage) ratio | 8.6155% | 5,171 |
| Tier 1 risk-based capital ratio | 12.3407% | 5,168 |
| Total risk-based capital ratio | 13.5945% | 5,140 |
| Memoranda: | ||
| Average total assets | $252,196,200 | 2,524 |
| Average earning assets | $234,400,400 | 2,489 |
| Average equity | $22,414,000 | 2,830 |
| Average total loans | $143,533,200 | 2,877 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9347% | 5,107 |
| Cost of funding earning assets | 1.1804% | 4,977 |
| Net interest margin | 3.7543% | 4,175 |
| Noninterest income to average assets | 1.4556% | 640 |
| Noninterest expense to average assets | 3.1010% | 3,333 |
| Loan and lease loss provision to assets | 0.4533% | 3,206 |
| Net operating income to assets | 0.9607% | 2,368 |
| Return on assets (ROA) | 1.1795% | 1,741 |
| Pretax return on assets | 1.7106% | 1,094 |
| Return on Equity (ROE) | 13.3765% | 1,164 |
| Retained earnings to average equity (ytd only) | 7.1147% | 1,791 |
| Net charge-offs to loans | 0.7367% | 2,579 |
| Credit loss provision to net charge-offs | 109.2522% | 3,889 |
| Earnings coverage of net charge-offs (x) | 4.4512% | 3,044 |
| Efficiency ratio | 62.6740% | 5,494 |
| Assets per employee ($millions) | 3.0732% | 5,981 |
| Cash dividends to net income (ytd only)* | 46.8125% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7853% | 2,834 |
| Loan loss allowance to noncurrent loans | 101.9794% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 1.0903% | 4,935 |
| Noncurrent loans to loans | 1.7506% | 4,014 |
| Net loans and leases to total assets | 55.5580% | 5,612 |
| Net loans and leases to deposits | 66.9416% | 5,553 |
| Net loans and leases to core deposits | 70.9180% | 5,653 |
| Total domestic deposits to total assets | 82.9947% | 4,589 |
| Equity capital to assets | 8.9084% | 5,692 |
| Core capital (leverage) ratio | 8.2848% | 5,898 |
| Tier 1 risk-based capital ratio | 11.8278% | 5,610 |
| Total risk-based capital ratio | 13.0804% | 5,588 |
| Memoranda: | ||
| Average total assets | $253,546,500 | 2,550 |
| Average earning assets | $235,847,750 | 2,513 |
| Average equity | $22,357,000 | 2,882 |
| Average total loans | $142,790,250 | 2,925 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0310% | 4,798 |
| Cost of funding earning assets | 1.2014% | 5,127 |
| Net interest margin | 3.8295% | 3,766 |
| Noninterest income to average assets | 1.3152% | 735 |
| Noninterest expense to average assets | 3.0580% | 3,483 |
| Loan and lease loss provision to assets | 0.3612% | 3,542 |
| Net operating income to assets | 0.9943% | 2,223 |
| Return on assets (ROA) | 1.3184% | 1,334 |
| Pretax return on assets | 1.9349% | 692 |
| Return on Equity (ROE) | 15.0034% | 861 |
| Retained earnings to average equity (ytd only) | 8.7070% | 1,199 |
| Net charge-offs to loans | 0.7927% | 2,268 |
| Credit loss provision to net charge-offs | 81.0284% | 4,680 |
| Earnings coverage of net charge-offs (x) | 4.0816% | 3,059 |
| Efficiency ratio | 62.6965% | 5,574 |
| Assets per employee ($millions) | 3.1461% | 5,796 |
| Cash dividends to net income (ytd only)* | 41.9664% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6616% | 3,217 |
| Loan loss allowance to noncurrent loans | 100.3770% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 1.0367% | 5,063 |
| Noncurrent loans to loans | 1.6553% | 4,221 |
| Net loans and leases to total assets | 55.6454% | 5,763 |
| Net loans and leases to deposits | 66.8138% | 5,705 |
| Net loans and leases to core deposits | 71.0261% | 5,773 |
| Total domestic deposits to total assets | 83.2842% | 4,445 |
| Equity capital to assets | 8.8060% | 5,743 |
| Core capital (leverage) ratio | 8.1842% | 5,968 |
| Tier 1 risk-based capital ratio | 11.6937% | 5,590 |
| Total risk-based capital ratio | 12.9448% | 5,551 |
| Memoranda: | ||
| Average total assets | $253,037,330 | 2,573 |
| Average earning assets | $235,382,330 | 2,537 |
| Average equity | $22,235,000 | 2,892 |
| Average total loans | $142,290,330 | 2,970 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0580% | 4,742 |
| Cost of funding earning assets | 1.2129% | 5,329 |
| Net interest margin | 3.8451% | 3,595 |
| Noninterest income to average assets | 1.2549% | 780 |
| Noninterest expense to average assets | 3.1158% | 3,206 |
| Loan and lease loss provision to assets | 0.2443% | 4,096 |
| Net operating income to assets | 1.0312% | 2,064 |
| Return on assets (ROA) | 1.0312% | 2,124 |
| Pretax return on assets | 1.4706% | 1,594 |
| Return on Equity (ROE) | 11.7477% | 1,567 |
| Retained earnings to average equity (ytd only) | 5.4220% | 2,921 |
| Net charge-offs to loans | 0.1019% | 4,400 |
| Credit loss provision to net charge-offs | 427.7778% | 974 |
| Earnings coverage of net charge-offs (x) | 30.0278% | 870 |
| Efficiency ratio | 64.4992% | 5,392 |
| Assets per employee ($millions) | 3.2113% | 5,742 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7875% | 2,774 |
| Loan loss allowance to noncurrent loans | 76.2584% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.4553% | 4,322 |
| Noncurrent loans to loans | 2.3440% | 3,339 |
| Net loans and leases to total assets | 56.7640% | 5,644 |
| Net loans and leases to deposits | 68.2968% | 5,555 |
| Net loans and leases to core deposits | 73.6218% | 5,531 |
| Total domestic deposits to total assets | 83.1136% | 4,565 |
| Equity capital to assets | 8.7707% | 5,607 |
| Core capital (leverage) ratio | 8.1775% | 5,945 |
| Tier 1 risk-based capital ratio | 11.0993% | 6,062 |
| Total risk-based capital ratio | 12.3509% | 6,031 |
| Memoranda: | ||
| Average total assets | $252,137,500 | 2,631 |
| Average earning assets | $234,479,500 | 2,599 |
| Average equity | $22,132,000 | 2,928 |
| Average total loans | $141,335,000 | 3,052 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3302% | 5,025 |
| Cost of funding earning assets | 1.5083% | 5,476 |
| Net interest margin | 3.8219% | 3,612 |
| Noninterest income to average assets | 1.8120% | 448 |
| Noninterest expense to average assets | 3.3425% | 2,862 |
| Loan and lease loss provision to assets | 0.4396% | 4,195 |
| Net operating income to assets | 1.1460% | 1,396 |
| Return on assets (ROA) | 1.2391% | 1,208 |
| Pretax return on assets | 1.6956% | 790 |
| Return on Equity (ROE) | 14.2538% | 743 |
| Retained earnings to average equity (ytd only) | 2.1461% | 3,604 |
| Net charge-offs to loans | 0.6527% | 3,234 |
| Credit loss provision to net charge-offs | 120.6116% | 4,434 |
| Earnings coverage of net charge-offs (x) | 5.5085% | 2,578 |
| Efficiency ratio | 62.4749% | 6,061 |
| Assets per employee ($millions) | 3.0936% | 6,003 |
| Cash dividends to net income (ytd only)* | 84.9434% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8399% | 2,425 |
| Loan loss allowance to noncurrent loans | 96.4176% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 1.1238% | 4,842 |
| Noncurrent loans to loans | 1.9082% | 3,792 |
| Net loans and leases to total assets | 53.2918% | 6,268 |
| Net loans and leases to deposits | 64.4103% | 6,223 |
| Net loans and leases to core deposits | 72.5281% | 6,616 |
| Total domestic deposits to total assets | 82.7380% | 4,643 |
| Equity capital to assets | 8.7849% | 5,464 |
| Core capital (leverage) ratio | 8.1478% | 5,911 |
| Tier 1 risk-based capital ratio | 11.5051% | 5,388 |
| Total risk-based capital ratio | 12.7575% | 5,352 |
| Memoranda: | ||
| Average total assets | $242,274,400 | 2,692 |
| Average earning assets | $224,289,200 | 2,661 |
| Average equity | $21,061,000 | 3,064 |
| Average total loans | $135,292,800 | 3,167 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4456% | 4,706 |
| Cost of funding earning assets | 1.5695% | 5,543 |
| Net interest margin | 3.8760% | 3,320 |
| Noninterest income to average assets | 1.8223% | 445 |
| Noninterest expense to average assets | 3.3838% | 2,627 |
| Loan and lease loss provision to assets | 0.3425% | 4,275 |
| Net operating income to assets | 1.2408% | 1,372 |
| Return on assets (ROA) | 1.2967% | 1,304 |
| Pretax return on assets | 1.7563% | 873 |
| Return on Equity (ROE) | 14.9575% | 778 |
| Retained earnings to average equity (ytd only) | 0.8708% | 4,819 |
| Net charge-offs to loans | 0.8408% | 2,279 |
| Credit loss provision to net charge-offs | 72.4178% | 5,935 |
| Earnings coverage of net charge-offs (x) | 4.2782% | 3,192 |
| Efficiency ratio | 62.5808% | 6,005 |
| Assets per employee ($millions) | 3.0394% | 6,061 |
| Cash dividends to net income (ytd only)* | 94.1780% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5377% | 3,244 |
| Loan loss allowance to noncurrent loans | 174.8533% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6222% | 5,893 |
| Noncurrent loans to loans | 0.8794% | 5,534 |
| Net loans and leases to total assets | 54.9316% | 6,275 |
| Net loans and leases to deposits | 66.6190% | 6,248 |
| Net loans and leases to core deposits | 77.9191% | 6,498 |
| Total domestic deposits to total assets | 82.4565% | 4,471 |
| Equity capital to assets | 8.9013% | 5,630 |
| Core capital (leverage) ratio | 8.1051% | 6,176 |
| Tier 1 risk-based capital ratio | 11.2995% | 5,638 |
| Total risk-based capital ratio | 12.4991% | 5,639 |
| Memoranda: | ||
| Average total assets | $240,198,250 | 2,732 |
| Average earning assets | $222,145,000 | 2,701 |
| Average equity | $20,823,000 | 3,122 |
| Average total loans | $135,105,750 | 3,205 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5368% | 4,403 |
| Cost of funding earning assets | 1.6394% | 5,561 |
| Net interest margin | 3.8974% | 3,123 |
| Noninterest income to average assets | 1.9639% | 388 |
| Noninterest expense to average assets | 3.3995% | 2,630 |
| Loan and lease loss provision to assets | 0.3461% | 3,851 |
| Net operating income to assets | 1.3561% | 1,111 |
| Return on assets (ROA) | 1.4414% | 1,006 |
| Pretax return on assets | 1.9297% | 655 |
| Return on Equity (ROE) | 16.7791% | 601 |
| Retained earnings to average equity (ytd only) | -1.2263% | 5,545 |
| Net charge-offs to loans | 1.2140% | 1,510 |
| Credit loss provision to net charge-offs | 50.5495% | 5,758 |
| Earnings coverage of net charge-offs (x) | 3.1575% | 3,540 |
| Efficiency ratio | 61.1245% | 6,379 |
| Assets per employee ($millions) | 2.8777% | 6,457 |
| Cash dividends to net income (ytd only)* | 107.3086% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 3,461 |
| Loan loss allowance to noncurrent loans | 125.6393% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.7645% | 5,489 |
| Noncurrent loans to loans | 1.1544% | 4,908 |
| Net loans and leases to total assets | 53.8561% | 6,470 |
| Net loans and leases to deposits | 65.0291% | 6,474 |
| Net loans and leases to core deposits | 77.5070% | 6,575 |
| Total domestic deposits to total assets | 82.8184% | 4,321 |
| Equity capital to assets | 8.5933% | 5,908 |
| Core capital (leverage) ratio | 8.0581% | 6,232 |
| Tier 1 risk-based capital ratio | 11.7522% | 5,147 |
| Total risk-based capital ratio | 12.9133% | 5,163 |
| Memoranda: | ||
| Average total assets | $239,212,670 | 2,758 |
| Average earning assets | $220,812,000 | 2,735 |
| Average equity | $20,549,330 | 3,169 |
| Average total loans | $134,922,670 | 3,247 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6490% | 4,056 |
| Cost of funding earning assets | 1.7501% | 5,352 |
| Net interest margin | 3.8989% | 3,042 |
| Noninterest income to average assets | 2.0273% | 360 |
| Noninterest expense to average assets | 3.4157% | 2,307 |
| Loan and lease loss provision to assets | 0.3446% | 3,258 |
| Net operating income to assets | 1.3465% | 1,271 |
| Return on assets (ROA) | 1.3465% | 1,363 |
| Pretax return on assets | 1.8508% | 891 |
| Return on Equity (ROE) | 15.6767% | 871 |
| Retained earnings to average equity (ytd only) | -13.6804% | 7,363 |
| Net charge-offs to loans | 2.4851% | 568 |
| Credit loss provision to net charge-offs | 24.2031% | 5,022 |
| Earnings coverage of net charge-offs (x) | 1.5419% | 3,956 |
| Efficiency ratio | 60.8748% | 6,272 |
| Assets per employee ($millions) | 2.9952% | 6,165 |
| Cash dividends to net income (ytd only)* | 187.2659% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 4,609 |
| Loan loss allowance to noncurrent loans | 132.6224% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.6865% | 5,440 |
| Noncurrent loans to loans | 0.9250% | 5,152 |
| Net loans and leases to total assets | 56.4210% | 6,176 |
| Net loans and leases to deposits | 69.1908% | 6,059 |
| Net loans and leases to core deposits | 83.8213% | 6,072 |
| Total domestic deposits to total assets | 81.5440% | 4,732 |
| Equity capital to assets | 8.3965% | 6,239 |
| Core capital (leverage) ratio | 7.9757% | 6,502 |
| Tier 1 risk-based capital ratio | 11.1758% | 5,724 |
| Total risk-based capital ratio | 12.1720% | 5,881 |
| Memoranda: | ||
| Average total assets | $237,957,000 | 2,790 |
| Average earning assets | $218,729,500 | 2,779 |
| Average equity | $20,438,000 | 3,200 |
| Average total loans | $136,334,500 | 3,241 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1912% | 4,562 |
| Cost of funding earning assets | 2.4656% | 4,388 |
| Net interest margin | 3.7257% | 4,356 |
| Noninterest income to average assets | 1.6355% | 519 |
| Noninterest expense to average assets | 3.1993% | 3,338 |
| Loan and lease loss provision to assets | 0.2415% | 4,493 |
| Net operating income to assets | 1.6831% | 702 |
| Return on assets (ROA) | 0.1260% | 5,877 |
| Pretax return on assets | 0.0526% | 6,041 |
| Return on Equity (ROE) | 1.4256% | 5,791 |
| Retained earnings to average equity (ytd only) | -7.5431% | 6,840 |
| Net charge-offs to loans | 0.0745% | 5,695 |
| Credit loss provision to net charge-offs | 562.1359% | 781 |
| Earnings coverage of net charge-offs (x) | 43.0874% | 856 |
| Efficiency ratio | 63.3465% | 5,699 |
| Assets per employee ($millions) | 2.9538% | 6,168 |
| Cash dividends to net income (ytd only)* | 629.1391% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 1,881 |
| Loan loss allowance to noncurrent loans | 382.3723% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.4651% | 5,825 |
| Noncurrent loans to loans | 0.4470% | 6,018 |
| Net loans and leases to total assets | 56.4860% | 6,378 |
| Net loans and leases to deposits | 71.0634% | 6,158 |
| Net loans and leases to core deposits | 84.1728% | 6,275 |
| Total domestic deposits to total assets | 79.4868% | 5,207 |
| Equity capital to assets | 8.7841% | 5,681 |
| Core capital (leverage) ratio | 8.5168% | 5,547 |
| Tier 1 risk-based capital ratio | 11.6438% | 5,106 |
| Total risk-based capital ratio | 12.8957% | 4,999 |
| Memoranda: | ||
| Average total assets | $239,742,200 | 2,657 |
| Average earning assets | $219,745,800 | 2,663 |
| Average equity | $21,184,800 | 3,077 |
| Average total loans | $138,236,200 | 3,126 |