Home > Liberty Bank > Performance and Condition Ratios
Liberty Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3636% | 2,063 |
| Cost of funding earning assets | 0.4178% | 3,010 |
| Net interest margin | 3.9458% | 1,872 |
| Noninterest income to average assets | 0.2270% | 4,854 |
| Noninterest expense to average assets | 2.4278% | 3,944 |
| Loan and lease loss provision to assets | 0.1087% | 1,960 |
| Net operating income to assets | 0.8953% | 3,053 |
| Return on assets (ROA) | 0.8953% | 3,105 |
| Pretax return on assets | 1.3427% | 2,315 |
| Return on Equity (ROE) | 7.6224% | 3,335 |
| Retained earnings to average equity (ytd only) | 5.1941% | 2,752 |
| Net charge-offs to loans | 0.0629% | 2,215 |
| Credit loss provision to net charge-offs | 233.5484% | 1,195 |
| Earnings coverage of net charge-offs (x) | 31.1873% | 1,517 |
| Efficiency ratio | 62.5851% | 3,798 |
| Assets per employee ($millions) | 6.6791% | 1,084 |
| Cash dividends to net income (ytd only)* | 31.8579% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 2,189 |
| Loan loss allowance to noncurrent loans | 1,653.9924% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 4,758 |
| Noncurrent loans to loans | 0.0806% | 4,749 |
| Net loans and leases to total assets | 71.9199% | 2,263 |
| Net loans and leases to deposits | 82.1451% | 2,763 |
| Net loans and leases to core deposits | 103.9847% | 1,392 |
| Total domestic deposits to total assets | 87.5522% | 1,610 |
| Equity capital to assets | 11.9459% | 2,003 |
| Core capital (leverage) ratio | 10.0346% | 3,529 |
| Tier 1 risk-based capital ratio | 13.0702% | 3,960 |
| Total risk-based capital ratio | 14.3209% | 3,869 |
| Memoranda: | ||
| Average total assets | $444,061,000 | 1,576 |
| Average earning assets | $411,027,500 | 1,575 |
| Average equity | $52,160,750 | 1,487 |
| Average total loans | $328,723,000 | 1,463 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3362% | 2,016 |
| Cost of funding earning assets | 0.4199% | 2,894 |
| Net interest margin | 3.9163% | 1,871 |
| Noninterest income to average assets | 0.2240% | 4,905 |
| Noninterest expense to average assets | 2.4524% | 3,911 |
| Loan and lease loss provision to assets | 0.0741% | 2,491 |
| Net operating income to assets | 0.8783% | 3,027 |
| Return on assets (ROA) | 0.8783% | 3,085 |
| Pretax return on assets | 1.3190% | 2,314 |
| Return on Equity (ROE) | 7.5201% | 3,284 |
| Retained earnings to average equity (ytd only) | 5.4709% | 2,427 |
| Net charge-offs to loans | -0.0018% | 4,175 |
| Credit loss provision to net charge-offs | -5,466.6667% | 5,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7741% | 3,705 |
| Assets per employee ($millions) | 6.4685% | 1,175 |
| Cash dividends to net income (ytd only)* | 27.2494% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 2,384 |
| Loan loss allowance to noncurrent loans | 749.7391% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 3,672 |
| Noncurrent loans to loans | 0.1741% | 4,424 |
| Net loans and leases to total assets | 70.9604% | 2,384 |
| Net loans and leases to deposits | 83.6108% | 2,532 |
| Net loans and leases to core deposits | 106.3366% | 1,207 |
| Total domestic deposits to total assets | 84.8699% | 2,859 |
| Equity capital to assets | 11.4947% | 2,322 |
| Core capital (leverage) ratio | 9.9386% | 3,607 |
| Tier 1 risk-based capital ratio | 12.6606% | 4,203 |
| Total risk-based capital ratio | 13.9109% | 4,122 |
| Memoranda: | ||
| Average total assets | $442,914,000 | 1,585 |
| Average earning assets | $409,574,000 | 1,585 |
| Average equity | $51,728,330 | 1,501 |
| Average total loans | $329,566,330 | 1,456 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 1,751 |
| Cost of funding earning assets | 0.4247% | 2,773 |
| Net interest margin | 3.9454% | 1,618 |
| Noninterest income to average assets | 0.3478% | 4,062 |
| Noninterest expense to average assets | 2.5827% | 3,555 |
| Loan and lease loss provision to assets | 0.0911% | 2,018 |
| Net operating income to assets | 0.8759% | 2,878 |
| Return on assets (ROA) | 0.8759% | 2,932 |
| Pretax return on assets | 1.3148% | 2,186 |
| Return on Equity (ROE) | 7.4379% | 3,191 |
| Retained earnings to average equity (ytd only) | 5.3284% | 2,720 |
| Net charge-offs to loans | -0.0024% | 4,026 |
| Credit loss provision to net charge-offs | -4,950.0000% | 4,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7520% | 3,704 |
| Assets per employee ($millions) | 6.1911% | 1,377 |
| Cash dividends to net income (ytd only)* | 28.3613% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 2,659 |
| Loan loss allowance to noncurrent loans | 719.3220% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.4234% | 3,490 |
| Noncurrent loans to loans | 0.1772% | 4,490 |
| Net loans and leases to total assets | 74.7645% | 1,618 |
| Net loans and leases to deposits | 85.1541% | 2,142 |
| Net loans and leases to core deposits | 110.2944% | 868 |
| Total domestic deposits to total assets | 87.7992% | 1,826 |
| Equity capital to assets | 11.7461% | 2,001 |
| Core capital (leverage) ratio | 9.9310% | 3,585 |
| Tier 1 risk-based capital ratio | 12.5582% | 4,355 |
| Total risk-based capital ratio | 13.8085% | 4,255 |
| Memoranda: | ||
| Average total assets | $434,739,500 | 1,618 |
| Average earning assets | $401,181,000 | 1,619 |
| Average equity | $51,197,000 | 1,510 |
| Average total loans | $329,246,500 | 1,463 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 1,950 |
| Cost of funding earning assets | 0.4626% | 2,424 |
| Net interest margin | 3.8984% | 1,975 |
| Noninterest income to average assets | 0.2903% | 4,662 |
| Noninterest expense to average assets | 2.6739% | 3,435 |
| Loan and lease loss provision to assets | 0.0526% | 3,336 |
| Net operating income to assets | 0.7722% | 3,444 |
| Return on assets (ROA) | 0.7722% | 3,543 |
| Pretax return on assets | 1.1602% | 2,855 |
| Return on Equity (ROE) | 6.6555% | 3,663 |
| Retained earnings to average equity (ytd only) | 4.7675% | 2,496 |
| Net charge-offs to loans | -0.0458% | 5,374 |
| Credit loss provision to net charge-offs | -157.2414% | 4,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1175% | 3,413 |
| Assets per employee ($millions) | 5.8892% | 1,552 |
| Cash dividends to net income (ytd only)* | 28.3667% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 2,693 |
| Loan loss allowance to noncurrent loans | 818.7747% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 3,618 |
| Noncurrent loans to loans | 0.1554% | 4,615 |
| Net loans and leases to total assets | 74.7748% | 1,730 |
| Net loans and leases to deposits | 85.1680% | 2,284 |
| Net loans and leases to core deposits | 110.6680% | 852 |
| Total domestic deposits to total assets | 87.7968% | 1,747 |
| Equity capital to assets | 11.8076% | 1,932 |
| Core capital (leverage) ratio | 9.5970% | 3,967 |
| Tier 1 risk-based capital ratio | 12.2474% | 4,540 |
| Total risk-based capital ratio | 13.4847% | 4,426 |
| Memoranda: | ||
| Average total assets | $433,707,200 | 1,567 |
| Average earning assets | $400,116,600 | 1,564 |
| Average equity | $50,319,600 | 1,511 |
| Average total loans | $316,374,000 | 1,462 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3302% | 2,079 |
| Cost of funding earning assets | 0.4673% | 2,395 |
| Net interest margin | 3.8629% | 2,106 |
| Noninterest income to average assets | 0.2798% | 4,768 |
| Noninterest expense to average assets | 2.6954% | 3,363 |
| Loan and lease loss provision to assets | 0.0699% | 2,816 |
| Net operating income to assets | 0.7181% | 3,750 |
| Return on assets (ROA) | 0.7181% | 3,894 |
| Pretax return on assets | 1.0794% | 3,317 |
| Return on Equity (ROE) | 6.2165% | 3,968 |
| Retained earnings to average equity (ytd only) | 4.2514% | 3,302 |
| Net charge-offs to loans | -0.0611% | 5,427 |
| Credit loss provision to net charge-offs | -158.3333% | 4,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8475% | 3,251 |
| Assets per employee ($millions) | 6.1280% | 1,337 |
| Cash dividends to net income (ytd only)* | 31.6103% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 2,730 |
| Loan loss allowance to noncurrent loans | 772.7612% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 3,788 |
| Noncurrent loans to loans | 0.1672% | 4,689 |
| Net loans and leases to total assets | 71.6982% | 2,231 |
| Net loans and leases to deposits | 81.5731% | 2,788 |
| Net loans and leases to core deposits | 106.8344% | 1,123 |
| Total domestic deposits to total assets | 87.8943% | 1,452 |
| Equity capital to assets | 11.6095% | 2,426 |
| Core capital (leverage) ratio | 9.2772% | 4,488 |
| Tier 1 risk-based capital ratio | 11.9590% | 4,814 |
| Total risk-based capital ratio | 13.1934% | 4,716 |
| Memoranda: | ||
| Average total assets | $434,656,250 | 1,561 |
| Average earning assets | $401,138,750 | 1,561 |
| Average equity | $50,209,000 | 1,520 |
| Average total loans | $314,065,500 | 1,471 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3224% | 2,085 |
| Cost of funding earning assets | 0.4721% | 2,350 |
| Net interest margin | 3.8503% | 2,136 |
| Noninterest income to average assets | 0.2918% | 4,699 |
| Noninterest expense to average assets | 2.7216% | 3,302 |
| Loan and lease loss provision to assets | 0.0879% | 2,388 |
| Net operating income to assets | 0.6872% | 3,860 |
| Return on assets (ROA) | 0.6872% | 4,007 |
| Pretax return on assets | 1.0350% | 3,458 |
| Return on Equity (ROE) | 5.9594% | 4,066 |
| Retained earnings to average equity (ytd only) | 3.7938% | 3,474 |
| Net charge-offs to loans | -0.0910% | 5,583 |
| Credit loss provision to net charge-offs | -133.8028% | 4,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6531% | 3,414 |
| Assets per employee ($millions) | 6.4142% | 1,127 |
| Cash dividends to net income (ytd only)* | 36.3392% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 2,837 |
| Loan loss allowance to noncurrent loans | 570.5146% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.7590% | 2,705 |
| Noncurrent loans to loans | 0.2264% | 4,530 |
| Net loans and leases to total assets | 70.8387% | 2,346 |
| Net loans and leases to deposits | 80.3897% | 2,884 |
| Net loans and leases to core deposits | 109.4667% | 957 |
| Total domestic deposits to total assets | 88.1191% | 1,373 |
| Equity capital to assets | 11.4256% | 2,623 |
| Core capital (leverage) ratio | 9.2134% | 4,576 |
| Tier 1 risk-based capital ratio | 11.6766% | 5,041 |
| Total risk-based capital ratio | 12.8929% | 4,966 |
| Memoranda: | ||
| Average total assets | $432,470,000 | 1,573 |
| Average earning assets | $399,037,670 | 1,572 |
| Average equity | $49,871,000 | 1,526 |
| Average total loans | $311,925,670 | 1,481 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3480% | 1,967 |
| Cost of funding earning assets | 0.4757% | 2,322 |
| Net interest margin | 3.8723% | 2,025 |
| Noninterest income to average assets | 0.2901% | 4,650 |
| Noninterest expense to average assets | 2.7233% | 3,334 |
| Loan and lease loss provision to assets | 0.0711% | 2,529 |
| Net operating income to assets | 0.7122% | 3,653 |
| Return on assets (ROA) | 0.7122% | 3,775 |
| Pretax return on assets | 1.0687% | 3,208 |
| Return on Equity (ROE) | 6.1466% | 3,906 |
| Retained earnings to average equity (ytd only) | 2.5120% | 4,247 |
| Net charge-offs to loans | -0.1255% | 5,720 |
| Credit loss provision to net charge-offs | -78.3505% | 4,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3450% | 3,570 |
| Assets per employee ($millions) | 6.5692% | 1,071 |
| Cash dividends to net income (ytd only)* | 59.1327% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 3,193 |
| Loan loss allowance to noncurrent loans | 421.7112% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.8248% | 2,630 |
| Noncurrent loans to loans | 0.2963% | 4,370 |
| Net loans and leases to total assets | 71.8695% | 2,063 |
| Net loans and leases to deposits | 81.6690% | 2,587 |
| Net loans and leases to core deposits | 112.5420% | 729 |
| Total domestic deposits to total assets | 88.0010% | 1,641 |
| Equity capital to assets | 11.4912% | 2,450 |
| Core capital (leverage) ratio | 9.2484% | 4,552 |
| Tier 1 risk-based capital ratio | 11.4688% | 5,249 |
| Total risk-based capital ratio | 12.6408% | 5,192 |
| Memoranda: | ||
| Average total assets | $427,416,500 | 1,584 |
| Average earning assets | $394,389,500 | 1,590 |
| Average equity | $49,523,000 | 1,538 |
| Average total loans | $309,079,500 | 1,487 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4514% | 1,740 |
| Cost of funding earning assets | 0.4548% | 2,581 |
| Net interest margin | 3.9966% | 1,729 |
| Noninterest income to average assets | 0.3127% | 4,657 |
| Noninterest expense to average assets | 2.8693% | 2,968 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7381% | 3,632 |
| Return on assets (ROA) | 0.7381% | 3,728 |
| Pretax return on assets | 1.1093% | 3,004 |
| Return on Equity (ROE) | 6.1144% | 3,985 |
| Retained earnings to average equity (ytd only) | 4.2524% | 2,961 |
| Net charge-offs to loans | -0.0302% | 5,403 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8297% | 3,435 |
| Assets per employee ($millions) | 6.3828% | 1,151 |
| Cash dividends to net income (ytd only)* | 30.4525% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 3,204 |
| Loan loss allowance to noncurrent loans | 355.6604% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.8785% | 2,470 |
| Noncurrent loans to loans | 0.3503% | 4,213 |
| Net loans and leases to total assets | 70.9394% | 2,208 |
| Net loans and leases to deposits | 80.7378% | 2,737 |
| Net loans and leases to core deposits | 105.3087% | 1,146 |
| Total domestic deposits to total assets | 87.8639% | 1,710 |
| Equity capital to assets | 11.6848% | 2,205 |
| Core capital (leverage) ratio | 9.7019% | 3,906 |
| Tier 1 risk-based capital ratio | 11.7361% | 5,109 |
| Total risk-based capital ratio | 12.8953% | 5,080 |
| Memoranda: | ||
| Average total assets | $398,182,800 | 1,655 |
| Average earning assets | $365,234,800 | 1,660 |
| Average equity | $48,067,200 | 1,548 |
| Average total loans | $294,721,600 | 1,484 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4768% | 1,670 |
| Cost of funding earning assets | 0.4551% | 2,638 |
| Net interest margin | 4.0217% | 1,635 |
| Noninterest income to average assets | 0.3279% | 4,589 |
| Noninterest expense to average assets | 2.9560% | 2,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7037% | 3,888 |
| Return on assets (ROA) | 0.7037% | 3,999 |
| Pretax return on assets | 1.0587% | 3,384 |
| Return on Equity (ROE) | 5.7794% | 4,258 |
| Retained earnings to average equity (ytd only) | 3.5050% | 3,972 |
| Net charge-offs to loans | 0.0269% | 3,407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 52.8167% | 1,007 |
| Efficiency ratio | 70.3199% | 3,162 |
| Assets per employee ($millions) | 6.0975% | 1,297 |
| Cash dividends to net income (ytd only)* | 39.3530% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 3,635 |
| Loan loss allowance to noncurrent loans | 118.4434% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.0501% | 2,255 |
| Noncurrent loans to loans | 1.0163% | 2,443 |
| Net loans and leases to total assets | 75.0061% | 1,544 |
| Net loans and leases to deposits | 85.9271% | 2,149 |
| Net loans and leases to core deposits | 113.5560% | 687 |
| Total domestic deposits to total assets | 87.2903% | 1,897 |
| Equity capital to assets | 12.2490% | 1,909 |
| Core capital (leverage) ratio | 9.7601% | 3,950 |
| Tier 1 risk-based capital ratio | 11.8090% | 5,195 |
| Total risk-based capital ratio | 12.9573% | 5,180 |
| Memoranda: | ||
| Average total assets | $392,412,250 | 1,691 |
| Average earning assets | $359,738,000 | 1,691 |
| Average equity | $47,778,000 | 1,562 |
| Average total loans | $292,748,750 | 1,502 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4565% | 1,672 |
| Cost of funding earning assets | 0.4492% | 2,739 |
| Net interest margin | 4.0074% | 1,622 |
| Noninterest income to average assets | 0.2935% | 4,863 |
| Noninterest expense to average assets | 2.9695% | 2,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6586% | 4,081 |
| Return on assets (ROA) | 0.6586% | 4,185 |
| Pretax return on assets | 0.9921% | 3,615 |
| Return on Equity (ROE) | 5.4207% | 4,418 |
| Retained earnings to average equity (ytd only) | 2.4115% | 4,521 |
| Net charge-offs to loans | 0.0117% | 3,500 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 114.1176% | 548 |
| Efficiency ratio | 71.5890% | 3,057 |
| Assets per employee ($millions) | 5.8057% | 1,494 |
| Cash dividends to net income (ytd only)* | 55.5124% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 3,606 |
| Loan loss allowance to noncurrent loans | 156.4475% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.8862% | 2,771 |
| Noncurrent loans to loans | 0.7881% | 3,136 |
| Net loans and leases to total assets | 75.4561% | 1,445 |
| Net loans and leases to deposits | 86.4266% | 2,013 |
| Net loans and leases to core deposits | 113.7266% | 677 |
| Total domestic deposits to total assets | 87.3065% | 2,007 |
| Equity capital to assets | 12.2664% | 1,832 |
| Core capital (leverage) ratio | 9.4282% | 4,379 |
| Tier 1 risk-based capital ratio | 11.7732% | 5,299 |
| Total risk-based capital ratio | 12.9573% | 5,249 |
| Memoranda: | ||
| Average total assets | $391,104,330 | 1,701 |
| Average earning assets | $357,990,000 | 1,710 |
| Average equity | $47,521,670 | 1,577 |
| Average total loans | $290,032,330 | 1,520 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3268% | 2,011 |
| Cost of funding earning assets | 0.4325% | 2,952 |
| Net interest margin | 3.8943% | 1,918 |
| Noninterest income to average assets | 0.2183% | 5,393 |
| Noninterest expense to average assets | 2.9671% | 2,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5416% | 4,507 |
| Return on assets (ROA) | 0.5416% | 4,622 |
| Pretax return on assets | 0.8150% | 4,182 |
| Return on Equity (ROE) | 4.4786% | 4,768 |
| Retained earnings to average equity (ytd only) | 1.4001% | 4,926 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9461% | 2,658 |
| Assets per employee ($millions) | 6.1324% | 1,307 |
| Cash dividends to net income (ytd only)* | 68.7382% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 3,515 |
| Loan loss allowance to noncurrent loans | 156.3721% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.8544% | 2,941 |
| Noncurrent loans to loans | 0.8189% | 3,200 |
| Net loans and leases to total assets | 70.1155% | 2,124 |
| Net loans and leases to deposits | 79.9206% | 2,570 |
| Net loans and leases to core deposits | 104.4541% | 1,036 |
| Total domestic deposits to total assets | 87.7314% | 1,969 |
| Equity capital to assets | 11.7485% | 2,239 |
| Core capital (leverage) ratio | 9.3461% | 4,500 |
| Tier 1 risk-based capital ratio | 11.7867% | 5,380 |
| Total risk-based capital ratio | 13.0095% | 5,304 |
| Memoranda: | ||
| Average total assets | $392,166,500 | 1,704 |
| Average earning assets | $358,881,500 | 1,709 |
| Average equity | $47,425,500 | 1,585 |
| Average total loans | $286,462,000 | 1,536 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 1,165 |
| Cost of funding earning assets | 0.4402% | 3,268 |
| Net interest margin | 4.3321% | 998 |
| Noninterest income to average assets | 0.4266% | 3,995 |
| Noninterest expense to average assets | 3.1648% | 2,311 |
| Loan and lease loss provision to assets | 0.1139% | 2,273 |
| Net operating income to assets | 0.7116% | 3,830 |
| Return on assets (ROA) | 0.7116% | 3,938 |
| Pretax return on assets | 1.0733% | 3,192 |
| Return on Equity (ROE) | 5.6561% | 4,330 |
| Retained earnings to average equity (ytd only) | 4.5629% | 2,928 |
| Net charge-offs to loans | 0.1292% | 2,726 |
| Credit loss provision to net charge-offs | 115.6425% | 2,063 |
| Earnings coverage of net charge-offs (x) | 12.0559% | 2,424 |
| Efficiency ratio | 69.4204% | 3,642 |
| Assets per employee ($millions) | 5.5822% | 1,702 |
| Cash dividends to net income (ytd only)* | 19.3274% | 3,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 3,486 |
| Loan loss allowance to noncurrent loans | 152.8654% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 1.1062% | 2,541 |
| Noncurrent loans to loans | 0.8436% | 3,207 |
| Net loans and leases to total assets | 74.2313% | 1,550 |
| Net loans and leases to deposits | 85.2861% | 2,064 |
| Net loans and leases to core deposits | 108.7371% | 843 |
| Total domestic deposits to total assets | 87.0379% | 2,261 |
| Equity capital to assets | 12.4607% | 1,674 |
| Core capital (leverage) ratio | 9.0672% | 4,877 |
| Tier 1 risk-based capital ratio | 12.0983% | 5,298 |
| Total risk-based capital ratio | 13.3494% | 5,202 |
| Memoranda: | ||
| Average total assets | $363,535,200 | 1,791 |
| Average earning assets | $329,405,000 | 1,824 |
| Average equity | $45,738,400 | 1,572 |
| Average total loans | $276,996,200 | 1,536 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8362% | 1,045 |
| Cost of funding earning assets | 0.4393% | 3,373 |
| Net interest margin | 4.3969% | 888 |
| Noninterest income to average assets | 0.4476% | 3,908 |
| Noninterest expense to average assets | 3.1975% | 2,185 |
| Loan and lease loss provision to assets | 0.1535% | 1,614 |
| Net operating income to assets | 0.7098% | 3,889 |
| Return on assets (ROA) | 0.7098% | 3,996 |
| Pretax return on assets | 1.0721% | 3,290 |
| Return on Equity (ROE) | 5.6275% | 4,431 |
| Retained earnings to average equity (ytd only) | 4.1574% | 3,696 |
| Net charge-offs to loans | 0.0563% | 3,415 |
| Credit loss provision to net charge-offs | 356.8966% | 795 |
| Earnings coverage of net charge-offs (x) | 28.4919% | 1,419 |
| Efficiency ratio | 69.0115% | 3,673 |
| Assets per employee ($millions) | 5.4805% | 1,747 |
| Cash dividends to net income (ytd only)* | 26.1233% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 3,204 |
| Loan loss allowance to noncurrent loans | 242.7599% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.9142% | 3,153 |
| Noncurrent loans to loans | 0.5745% | 4,194 |
| Net loans and leases to total assets | 74.4209% | 1,453 |
| Net loans and leases to deposits | 85.3861% | 1,984 |
| Net loans and leases to core deposits | 105.8152% | 967 |
| Total domestic deposits to total assets | 87.1581% | 2,231 |
| Equity capital to assets | 12.4453% | 1,740 |
| Core capital (leverage) ratio | 8.9894% | 5,082 |
| Tier 1 risk-based capital ratio | 12.0596% | 5,449 |
| Total risk-based capital ratio | 13.3120% | 5,362 |
| Memoranda: | ||
| Average total assets | $359,521,000 | 1,826 |
| Average earning assets | $325,071,000 | 1,855 |
| Average equity | $45,348,000 | 1,588 |
| Average total loans | $274,881,000 | 1,556 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8513% | 988 |
| Cost of funding earning assets | 0.4350% | 3,495 |
| Net interest margin | 4.4163% | 825 |
| Noninterest income to average assets | 0.4629% | 3,763 |
| Noninterest expense to average assets | 3.2641% | 2,012 |
| Loan and lease loss provision to assets | 0.1881% | 1,294 |
| Net operating income to assets | 0.6578% | 4,056 |
| Return on assets (ROA) | 0.6578% | 4,157 |
| Pretax return on assets | 0.9962% | 3,487 |
| Return on Equity (ROE) | 5.1906% | 4,588 |
| Retained earnings to average equity (ytd only) | 2.9686% | 4,316 |
| Net charge-offs to loans | 0.0088% | 4,099 |
| Credit loss provision to net charge-offs | 2,783.3333% | 135 |
| Earnings coverage of net charge-offs (x) | 175.2500% | 360 |
| Efficiency ratio | 70.0722% | 3,646 |
| Assets per employee ($millions) | 5.3549% | 1,826 |
| Cash dividends to net income (ytd only)* | 42.8082% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 3,391 |
| Loan loss allowance to noncurrent loans | 213.9295% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.9887% | 3,080 |
| Noncurrent loans to loans | 0.6511% | 4,078 |
| Net loans and leases to total assets | 75.6234% | 1,217 |
| Net loans and leases to deposits | 88.9203% | 1,489 |
| Net loans and leases to core deposits | 110.6931% | 666 |
| Total domestic deposits to total assets | 85.0462% | 3,481 |
| Equity capital to assets | 12.3786% | 1,721 |
| Core capital (leverage) ratio | 9.0898% | 4,884 |
| Tier 1 risk-based capital ratio | 11.4513% | 5,826 |
| Total risk-based capital ratio | 12.7035% | 5,780 |
| Memoranda: | ||
| Average total assets | $355,137,330 | 1,847 |
| Average earning assets | $320,493,000 | 1,878 |
| Average equity | $45,004,000 | 1,588 |
| Average total loans | $272,751,670 | 1,568 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8446% | 958 |
| Cost of funding earning assets | 0.4277% | 3,668 |
| Net interest margin | 4.4169% | 776 |
| Noninterest income to average assets | 0.4725% | 3,614 |
| Noninterest expense to average assets | 3.3693% | 1,785 |
| Loan and lease loss provision to assets | 0.1920% | 1,233 |
| Net operating income to assets | 0.5874% | 4,249 |
| Return on assets (ROA) | 0.5874% | 4,326 |
| Pretax return on assets | 0.8886% | 3,743 |
| Return on Equity (ROE) | 4.5791% | 4,753 |
| Retained earnings to average equity (ytd only) | 0.0986% | 5,519 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3586% | 3,421 |
| Assets per employee ($millions) | 5.0686% | 2,165 |
| Cash dividends to net income (ytd only)* | 97.8474% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 3,704 |
| Loan loss allowance to noncurrent loans | 227.2019% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.9800% | 3,302 |
| Noncurrent loans to loans | 0.6065% | 4,342 |
| Net loans and leases to total assets | 76.4901% | 944 |
| Net loans and leases to deposits | 90.0672% | 1,143 |
| Net loans and leases to core deposits | 111.6328% | 523 |
| Total domestic deposits to total assets | 84.9255% | 3,911 |
| Equity capital to assets | 12.6477% | 1,492 |
| Core capital (leverage) ratio | 9.1122% | 4,852 |
| Tier 1 risk-based capital ratio | 11.5737% | 5,876 |
| Total risk-based capital ratio | 12.8261% | 5,823 |
| Memoranda: | ||
| Average total assets | $347,963,500 | 1,884 |
| Average earning assets | $313,339,500 | 1,919 |
| Average equity | $44,637,500 | 1,595 |
| Average total loans | $267,445,500 | 1,593 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 1,349 |
| Cost of funding earning assets | 0.4671% | 3,940 |
| Net interest margin | 4.3189% | 1,064 |
| Noninterest income to average assets | 0.4457% | 4,119 |
| Noninterest expense to average assets | 3.2545% | 2,263 |
| Loan and lease loss provision to assets | 0.1993% | 1,868 |
| Net operating income to assets | 0.5543% | 4,483 |
| Return on assets (ROA) | 0.6387% | 4,183 |
| Pretax return on assets | 0.9778% | 3,439 |
| Return on Equity (ROE) | 4.7971% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.7971% | 2,735 |
| Net charge-offs to loans | 0.0936% | 3,910 |
| Credit loss provision to net charge-offs | 292.0354% | 780 |
| Earnings coverage of net charge-offs (x) | 15.3451% | 1,873 |
| Efficiency ratio | 71.9902% | 3,476 |
| Assets per employee ($millions) | 5.1686% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 3,674 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 1.5249% | 2,438 |
| Noncurrent loans to loans | 0.5583% | 4,595 |
| Net loans and leases to total assets | 75.0709% | 1,209 |
| Net loans and leases to deposits | 88.3153% | 1,432 |
| Net loans and leases to core deposits | 110.2388% | 600 |
| Total domestic deposits to total assets | 85.0033% | 3,751 |
| Equity capital to assets | 13.0159% | 1,263 |
| Core capital (leverage) ratio | 9.5142% | 4,240 |
| Tier 1 risk-based capital ratio | 11.9685% | 5,633 |
| Total risk-based capital ratio | 13.2166% | 5,570 |
| Memoranda: | ||
| Average total assets | $331,136,800 | 1,947 |
| Average earning assets | $295,654,000 | 2,003 |
| Average equity | $44,089,400 | 1,587 |
| Average total loans | $241,414,000 | 1,717 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7399% | 1,500 |
| Cost of funding earning assets | 0.4772% | 3,999 |
| Net interest margin | 4.2626% | 1,180 |
| Noninterest income to average assets | 0.4361% | 4,259 |
| Noninterest expense to average assets | 3.2391% | 2,230 |
| Loan and lease loss provision to assets | 0.2008% | 1,807 |
| Net operating income to assets | 0.5199% | 4,720 |
| Return on assets (ROA) | 0.6333% | 4,323 |
| Pretax return on assets | 0.9721% | 3,609 |
| Return on Equity (ROE) | 4.7289% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.7289% | 3,285 |
| Net charge-offs to loans | 0.0839% | 3,752 |
| Credit loss provision to net charge-offs | 332.2148% | 780 |
| Earnings coverage of net charge-offs (x) | 16.5169% | 1,799 |
| Efficiency ratio | 72.6951% | 3,288 |
| Assets per employee ($millions) | 4.9751% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 3,768 |
| Loan loss allowance to noncurrent loans | 171.3663% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 1.7559% | 2,333 |
| Noncurrent loans to loans | 0.8348% | 4,164 |
| Net loans and leases to total assets | 73.1117% | 1,427 |
| Net loans and leases to deposits | 84.7387% | 1,772 |
| Net loans and leases to core deposits | 106.4916% | 731 |
| Total domestic deposits to total assets | 86.2789% | 3,090 |
| Equity capital to assets | 13.1721% | 1,253 |
| Core capital (leverage) ratio | 9.5021% | 4,401 |
| Tier 1 risk-based capital ratio | 12.2540% | 5,603 |
| Total risk-based capital ratio | 13.4991% | 5,544 |
| Memoranda: | ||
| Average total assets | $328,639,000 | 1,973 |
| Average earning assets | $293,081,750 | 2,027 |
| Average equity | $44,011,500 | 1,603 |
| Average total loans | $236,839,250 | 1,751 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7414% | 1,460 |
| Cost of funding earning assets | 0.4927% | 3,965 |
| Net interest margin | 4.2486% | 1,145 |
| Noninterest income to average assets | 0.3791% | 4,675 |
| Noninterest expense to average assets | 3.2188% | 2,305 |
| Loan and lease loss provision to assets | 0.2018% | 1,879 |
| Net operating income to assets | 0.4828% | 4,872 |
| Return on assets (ROA) | 0.6537% | 4,210 |
| Pretax return on assets | 1.0071% | 3,477 |
| Return on Equity (ROE) | 4.8540% | 4,799 |
| Retained earnings to average equity (ytd only) | 4.8540% | 3,144 |
| Net charge-offs to loans | 0.0283% | 4,298 |
| Credit loss provision to net charge-offs | 1,000.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 46.8788% | 832 |
| Efficiency ratio | 73.4547% | 3,232 |
| Assets per employee ($millions) | 4.9057% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 3,742 |
| Loan loss allowance to noncurrent loans | 181.9510% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 1.7738% | 2,454 |
| Noncurrent loans to loans | 0.8051% | 4,299 |
| Net loans and leases to total assets | 72.4604% | 1,494 |
| Net loans and leases to deposits | 84.3407% | 1,756 |
| Net loans and leases to core deposits | 105.6588% | 752 |
| Total domestic deposits to total assets | 85.9139% | 3,416 |
| Equity capital to assets | 13.5249% | 1,123 |
| Core capital (leverage) ratio | 9.4517% | 4,318 |
| Tier 1 risk-based capital ratio | 12.4885% | 5,512 |
| Total risk-based capital ratio | 13.7345% | 5,455 |
| Memoranda: | ||
| Average total assets | $327,074,000 | 1,984 |
| Average earning assets | $291,434,330 | 2,043 |
| Average equity | $44,046,330 | 1,604 |
| Average total loans | $233,371,330 | 1,765 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7085% | 1,513 |
| Cost of funding earning assets | 0.5088% | 3,993 |
| Net interest margin | 4.1997% | 1,182 |
| Noninterest income to average assets | 0.3663% | 4,746 |
| Noninterest expense to average assets | 3.2270% | 2,275 |
| Loan and lease loss provision to assets | 0.2008% | 1,852 |
| Net operating income to assets | 0.4429% | 4,943 |
| Return on assets (ROA) | 0.4429% | 5,105 |
| Pretax return on assets | 0.6851% | 4,637 |
| Return on Equity (ROE) | 3.2960% | 5,435 |
| Retained earnings to average equity (ytd only) | 3.2960% | 4,271 |
| Net charge-offs to loans | 0.0658% | 3,168 |
| Credit loss provision to net charge-offs | 434.2105% | 604 |
| Earnings coverage of net charge-offs (x) | 19.1579% | 1,234 |
| Efficiency ratio | 74.6154% | 3,152 |
| Assets per employee ($millions) | 4.9714% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4675% | 3,940 |
| Loan loss allowance to noncurrent loans | 137.4482% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 1.5623% | 2,920 |
| Noncurrent loans to loans | 1.0677% | 4,009 |
| Net loans and leases to total assets | 67.8958% | 2,033 |
| Net loans and leases to deposits | 78.9879% | 2,212 |
| Net loans and leases to core deposits | 100.8657% | 901 |
| Total domestic deposits to total assets | 85.9573% | 3,545 |
| Equity capital to assets | 13.4633% | 1,223 |
| Core capital (leverage) ratio | 9.1244% | 4,681 |
| Tier 1 risk-based capital ratio | 12.7676% | 5,388 |
| Total risk-based capital ratio | 14.0202% | 5,332 |
| Memoranda: | ||
| Average total assets | $328,724,000 | 2,002 |
| Average earning assets | $293,257,000 | 2,057 |
| Average equity | $44,174,500 | 1,615 |
| Average total loans | $231,009,000 | 1,786 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9832% | 1,609 |
| Cost of funding earning assets | 0.5785% | 4,555 |
| Net interest margin | 4.4047% | 1,154 |
| Noninterest income to average assets | 0.4120% | 4,512 |
| Noninterest expense to average assets | 3.4702% | 1,897 |
| Loan and lease loss provision to assets | 0.2090% | 3,054 |
| Net operating income to assets | 0.4176% | 5,019 |
| Return on assets (ROA) | 0.4890% | 4,980 |
| Pretax return on assets | 0.7699% | 4,409 |
| Return on Equity (ROE) | 3.5503% | 5,329 |
| Retained earnings to average equity (ytd only) | 2.4006% | 4,543 |
| Net charge-offs to loans | 0.0507% | 5,207 |
| Credit loss provision to net charge-offs | 589.2857% | 419 |
| Earnings coverage of net charge-offs (x) | 24.4554% | 1,174 |
| Efficiency ratio | 76.1919% | 2,714 |
| Assets per employee ($millions) | 4.7730% | 2,535 |
| Cash dividends to net income (ytd only)* | 32.3834% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 4,389 |
| Loan loss allowance to noncurrent loans | 259.8534% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 1.2170% | 3,624 |
| Noncurrent loans to loans | 0.5205% | 5,231 |
| Net loans and leases to total assets | 70.6679% | 1,711 |
| Net loans and leases to deposits | 82.2812% | 1,962 |
| Net loans and leases to core deposits | 102.3767% | 870 |
| Total domestic deposits to total assets | 85.8858% | 3,409 |
| Equity capital to assets | 13.4131% | 1,261 |
| Core capital (leverage) ratio | 9.0547% | 4,813 |
| Tier 1 risk-based capital ratio | 12.2372% | 5,638 |
| Total risk-based capital ratio | 13.4893% | 5,592 |
| Memoranda: | ||
| Average total assets | $315,771,400 | 2,032 |
| Average earning assets | $281,426,600 | 2,091 |
| Average equity | $43,489,000 | 1,601 |
| Average total loans | $221,005,000 | 1,828 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0024% | 1,690 |
| Cost of funding earning assets | 0.5868% | 4,776 |
| Net interest margin | 4.4155% | 1,175 |
| Noninterest income to average assets | 0.4153% | 4,517 |
| Noninterest expense to average assets | 3.5324% | 1,686 |
| Loan and lease loss provision to assets | 0.2113% | 2,954 |
| Net operating income to assets | 0.3837% | 5,316 |
| Return on assets (ROA) | 0.4802% | 5,179 |
| Pretax return on assets | 0.7597% | 4,631 |
| Return on Equity (ROE) | 3.4627% | 5,507 |
| Retained earnings to average equity (ytd only) | 3.4627% | 4,429 |
| Net charge-offs to loans | 0.0558% | 4,871 |
| Credit loss provision to net charge-offs | 543.9560% | 491 |
| Earnings coverage of net charge-offs (x) | 21.1209% | 1,420 |
| Efficiency ratio | 77.3191% | 2,477 |
| Assets per employee ($millions) | 4.7436% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 4,622 |
| Loan loss allowance to noncurrent loans | 270.3638% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 1.1920% | 3,906 |
| Noncurrent loans to loans | 0.4963% | 5,451 |
| Net loans and leases to total assets | 69.4484% | 2,029 |
| Net loans and leases to deposits | 81.1674% | 2,227 |
| Net loans and leases to core deposits | 104.4452% | 846 |
| Total domestic deposits to total assets | 85.5618% | 3,479 |
| Equity capital to assets | 13.7335% | 1,260 |
| Core capital (leverage) ratio | 9.2836% | 4,614 |
| Tier 1 risk-based capital ratio | 12.5566% | 5,599 |
| Total risk-based capital ratio | 13.8081% | 5,559 |
| Memoranda: | ||
| Average total assets | $312,380,500 | 2,080 |
| Average earning assets | $278,554,250 | 2,129 |
| Average equity | $43,317,750 | 1,623 |
| Average total loans | $217,275,000 | 1,875 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 1,696 |
| Cost of funding earning assets | 0.5960% | 4,936 |
| Net interest margin | 4.4411% | 1,102 |
| Noninterest income to average assets | 0.4149% | 4,546 |
| Noninterest expense to average assets | 3.6325% | 1,505 |
| Loan and lease loss provision to assets | 0.2136% | 2,939 |
| Net operating income to assets | 0.3358% | 5,479 |
| Return on assets (ROA) | 0.4816% | 5,152 |
| Pretax return on assets | 0.7612% | 4,601 |
| Return on Equity (ROE) | 3.4612% | 5,505 |
| Retained earnings to average equity (ytd only) | 3.4612% | 4,297 |
| Net charge-offs to loans | 0.0542% | 4,651 |
| Credit loss provision to net charge-offs | 568.9655% | 549 |
| Earnings coverage of net charge-offs (x) | 19.8966% | 1,412 |
| Efficiency ratio | 79.0866% | 2,308 |
| Assets per employee ($millions) | 4.6944% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 4,796 |
| Loan loss allowance to noncurrent loans | 224.2308% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 1.2968% | 3,833 |
| Noncurrent loans to loans | 0.5894% | 5,333 |
| Net loans and leases to total assets | 70.2420% | 1,879 |
| Net loans and leases to deposits | 82.2580% | 2,083 |
| Net loans and leases to core deposits | 105.2894% | 776 |
| Total domestic deposits to total assets | 85.3923% | 3,668 |
| Equity capital to assets | 14.0797% | 1,065 |
| Core capital (leverage) ratio | 9.2780% | 4,485 |
| Tier 1 risk-based capital ratio | 12.6222% | 5,476 |
| Total risk-based capital ratio | 13.8738% | 5,456 |
| Memoranda: | ||
| Average total assets | $308,986,670 | 2,103 |
| Average earning assets | $275,831,000 | 2,146 |
| Average equity | $42,990,670 | 1,626 |
| Average total loans | $214,013,000 | 1,913 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 1,983 |
| Cost of funding earning assets | 0.6101% | 5,052 |
| Net interest margin | 4.3622% | 1,306 |
| Noninterest income to average assets | 0.3707% | 4,901 |
| Noninterest expense to average assets | 3.3886% | 2,034 |
| Loan and lease loss provision to assets | 0.2139% | 2,812 |
| Net operating income to assets | 0.4200% | 5,165 |
| Return on assets (ROA) | 0.4200% | 5,359 |
| Pretax return on assets | 0.6702% | 4,885 |
| Return on Equity (ROE) | 3.0369% | 5,702 |
| Retained earnings to average equity (ytd only) | 3.0369% | 4,734 |
| Net charge-offs to loans | 0.1139% | 3,432 |
| Credit loss provision to net charge-offs | 275.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 11.3667% | 1,676 |
| Efficiency ratio | 75.3641% | 2,877 |
| Assets per employee ($millions) | 4.7555% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 5,147 |
| Loan loss allowance to noncurrent loans | 112.8079% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 1.8029% | 3,168 |
| Noncurrent loans to loans | 1.1277% | 4,450 |
| Net loans and leases to total assets | 68.9951% | 1,946 |
| Net loans and leases to deposits | 81.1703% | 2,038 |
| Net loans and leases to core deposits | 104.3492% | 752 |
| Total domestic deposits to total assets | 85.0004% | 4,035 |
| Equity capital to assets | 13.8585% | 1,071 |
| Core capital (leverage) ratio | 9.2030% | 4,510 |
| Tier 1 risk-based capital ratio | 12.6729% | 5,471 |
| Total risk-based capital ratio | 13.9236% | 5,430 |
| Memoranda: | ||
| Average total assets | $308,565,500 | 2,109 |
| Average earning assets | $276,010,500 | 2,157 |
| Average equity | $42,674,500 | 1,631 |
| Average total loans | $210,747,000 | 1,943 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9973% | 2,894 |
| Cost of funding earning assets | 0.8304% | 4,621 |
| Net interest margin | 4.1669% | 2,171 |
| Noninterest income to average assets | 0.3938% | 4,667 |
| Noninterest expense to average assets | 3.5432% | 1,877 |
| Loan and lease loss provision to assets | 0.2705% | 3,510 |
| Net operating income to assets | 0.1775% | 5,652 |
| Return on assets (ROA) | 0.2065% | 5,705 |
| Pretax return on assets | 0.3494% | 5,426 |
| Return on Equity (ROE) | 1.4656% | 5,848 |
| Retained earnings to average equity (ytd only) | 0.5886% | 5,568 |
| Net charge-offs to loans | 0.0693% | 5,616 |
| Credit loss provision to net charge-offs | 574.8201% | 398 |
| Earnings coverage of net charge-offs (x) | 12.2086% | 1,644 |
| Efficiency ratio | 81.7546% | 2,055 |
| Assets per employee ($millions) | 4.6670% | 2,655 |
| Cash dividends to net income (ytd only)* | 59.8361% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 4,986 |
| Loan loss allowance to noncurrent loans | 76.5643% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.4288% | 3,847 |
| Noncurrent loans to loans | 1.6800% | 3,642 |
| Net loans and leases to total assets | 65.8502% | 2,816 |
| Net loans and leases to deposits | 77.1833% | 2,972 |
| Net loans and leases to core deposits | 99.3598% | 1,228 |
| Total domestic deposits to total assets | 85.3166% | 3,681 |
| Equity capital to assets | 13.8013% | 1,138 |
| Core capital (leverage) ratio | 8.7043% | 5,242 |
| Tier 1 risk-based capital ratio | 12.7333% | 5,283 |
| Total risk-based capital ratio | 13.9842% | 5,258 |
| Memoranda: | ||
| Average total assets | $295,354,600 | 2,166 |
| Average earning assets | $263,963,000 | 2,212 |
| Average equity | $41,621,800 | 1,614 |
| Average total loans | $200,718,600 | 2,038 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0518% | 2,832 |
| Cost of funding earning assets | 0.8750% | 4,592 |
| Net interest margin | 4.1769% | 2,185 |
| Noninterest income to average assets | 0.3463% | 5,089 |
| Noninterest expense to average assets | 3.5387% | 1,833 |
| Loan and lease loss provision to assets | 0.2847% | 3,242 |
| Net operating income to assets | 0.1438% | 5,851 |
| Return on assets (ROA) | 0.1830% | 5,872 |
| Pretax return on assets | 0.3089% | 5,687 |
| Return on Equity (ROE) | 1.2914% | 5,999 |
| Retained earnings to average equity (ytd only) | 1.2914% | 5,488 |
| Net charge-offs to loans | 0.0615% | 5,353 |
| Credit loss provision to net charge-offs | 678.2609% | 402 |
| Earnings coverage of net charge-offs (x) | 12.6851% | 1,681 |
| Efficiency ratio | 82.5375% | 1,898 |
| Assets per employee ($millions) | 4.6912% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 5,366 |
| Loan loss allowance to noncurrent loans | 276.6777% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.8733% | 4,994 |
| Noncurrent loans to loans | 0.4431% | 5,957 |
| Net loans and leases to total assets | 65.4484% | 3,021 |
| Net loans and leases to deposits | 76.5863% | 3,230 |
| Net loans and leases to core deposits | 95.8653% | 1,618 |
| Total domestic deposits to total assets | 85.4571% | 3,523 |
| Equity capital to assets | 13.7326% | 1,273 |
| Core capital (leverage) ratio | 8.9018% | 5,097 |
| Tier 1 risk-based capital ratio | 12.4374% | 5,544 |
| Total risk-based capital ratio | 13.6750% | 5,544 |
| Memoranda: | ||
| Average total assets | $292,187,750 | 2,192 |
| Average earning assets | $260,572,000 | 2,242 |
| Average equity | $41,399,500 | 1,628 |
| Average total loans | $199,529,250 | 2,068 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0319% | 3,004 |
| Cost of funding earning assets | 0.8878% | 4,774 |
| Net interest margin | 4.1441% | 2,250 |
| Noninterest income to average assets | 0.3275% | 5,274 |
| Noninterest expense to average assets | 3.6036% | 1,732 |
| Loan and lease loss provision to assets | 0.3143% | 2,910 |
| Net operating income to assets | 0.0477% | 6,125 |
| Return on assets (ROA) | 0.1076% | 6,080 |
| Pretax return on assets | 0.1935% | 5,941 |
| Return on Equity (ROE) | 0.7507% | 6,136 |
| Retained earnings to average equity (ytd only) | 0.7507% | 5,558 |
| Net charge-offs to loans | 0.0921% | 4,752 |
| Credit loss provision to net charge-offs | 494.5055% | 625 |
| Earnings coverage of net charge-offs (x) | 6.5165% | 2,386 |
| Efficiency ratio | 85.1730% | 1,685 |
| Assets per employee ($millions) | 4.5092% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 5,879 |
| Loan loss allowance to noncurrent loans | 155.4081% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.9469% | 4,970 |
| Noncurrent loans to loans | 0.7204% | 5,471 |
| Net loans and leases to total assets | 69.4997% | 2,319 |
| Net loans and leases to deposits | 83.7374% | 2,150 |
| Net loans and leases to core deposits | 104.3599% | 1,020 |
| Total domestic deposits to total assets | 82.9972% | 4,757 |
| Equity capital to assets | 13.9363% | 1,117 |
| Core capital (leverage) ratio | 8.8550% | 4,954 |
| Tier 1 risk-based capital ratio | 12.1410% | 5,673 |
| Total risk-based capital ratio | 13.3105% | 5,706 |
| Memoranda: | ||
| Average total assets | $286,376,670 | 2,237 |
| Average earning assets | $255,015,000 | 2,292 |
| Average equity | $41,026,330 | 1,634 |
| Average total loans | $197,653,330 | 2,106 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9813% | 3,190 |
| Cost of funding earning assets | 0.8932% | 4,970 |
| Net interest margin | 4.0882% | 2,314 |
| Noninterest income to average assets | 0.2963% | 5,546 |
| Noninterest expense to average assets | 3.6828% | 1,568 |
| Loan and lease loss provision to assets | 0.3106% | 2,686 |
| Net operating income to assets | -0.0727% | 6,429 |
| Return on assets (ROA) | -0.0271% | 6,408 |
| Pretax return on assets | -0.0128% | 6,369 |
| Return on Equity (ROE) | -0.1863% | 6,401 |
| Retained earnings to average equity (ytd only) | -0.1863% | 5,821 |
| Net charge-offs to loans | 0.1834% | 3,393 |
| Credit loss provision to net charge-offs | 247.7273% | 1,272 |
| Earnings coverage of net charge-offs (x) | 2.0114% | 3,300 |
| Efficiency ratio | 88.8849% | 1,428 |
| Assets per employee ($millions) | 4.4738% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 6,176 |
| Loan loss allowance to noncurrent loans | 80.5566% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.0454% | 4,827 |
| Noncurrent loans to loans | 1.3219% | 4,491 |
| Net loans and leases to total assets | 67.5086% | 2,652 |
| Net loans and leases to deposits | 81.2446% | 2,488 |
| Net loans and leases to core deposits | 100.2717% | 1,319 |
| Total domestic deposits to total assets | 83.0930% | 4,892 |
| Equity capital to assets | 14.0589% | 994 |
| Core capital (leverage) ratio | 8.9227% | 4,732 |
| Tier 1 risk-based capital ratio | 12.3295% | 5,417 |
| Total risk-based capital ratio | 13.4306% | 5,518 |
| Memoranda: | ||
| Average total assets | $280,763,000 | 2,298 |
| Average earning assets | $249,892,500 | 2,346 |
| Average equity | $40,802,000 | 1,636 |
| Average total loans | $191,892,000 | 2,184 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1969% | 3,627 |
| Cost of funding earning assets | 0.9695% | 5,845 |
| Net interest margin | 4.2274% | 2,073 |
| Noninterest income to average assets | 0.3577% | 5,248 |
| Noninterest expense to average assets | 4.0749% | 1,058 |
| Loan and lease loss provision to assets | 0.4938% | 3,186 |
| Net operating income to assets | -0.3343% | 6,247 |
| Return on assets (ROA) | -0.2104% | 6,178 |
| Pretax return on assets | -0.3264% | 6,184 |
| Return on Equity (ROE) | -1.2192% | 6,084 |
| Retained earnings to average equity (ytd only) | -1.2192% | 5,839 |
| Net charge-offs to loans | 0.3849% | 4,109 |
| Credit loss provision to net charge-offs | 185.7143% | 1,766 |
| Earnings coverage of net charge-offs (x) | -0.0989% | 6,219 |
| Efficiency ratio | 95.2784% | 998 |
| Assets per employee ($millions) | 4.1651% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 6,076 |
| Loan loss allowance to noncurrent loans | 104.9206% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.8381% | 5,324 |
| Noncurrent loans to loans | 1.0196% | 5,029 |
| Net loans and leases to total assets | 67.7338% | 3,047 |
| Net loans and leases to deposits | 80.1027% | 3,156 |
| Net loans and leases to core deposits | 98.2670% | 1,771 |
| Total domestic deposits to total assets | 84.5587% | 4,075 |
| Equity capital to assets | 15.0412% | 778 |
| Core capital (leverage) ratio | 9.3584% | 3,911 |
| Tier 1 risk-based capital ratio | 12.9072% | 4,677 |
| Total risk-based capital ratio | 13.9939% | 4,793 |
| Memoranda: | ||
| Average total assets | $239,587,200 | 2,642 |
| Average earning assets | $209,182,600 | 2,766 |
| Average equity | $41,338,000 | 1,606 |
| Average total loans | $165,490,400 | 2,536 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2300% | 3,684 |
| Cost of funding earning assets | 0.9803% | 6,033 |
| Net interest margin | 4.2497% | 2,035 |
| Noninterest income to average assets | 0.3641% | 5,244 |
| Noninterest expense to average assets | 4.1684% | 864 |
| Loan and lease loss provision to assets | 0.5850% | 2,595 |
| Net operating income to assets | -0.4424% | 6,554 |
| Return on assets (ROA) | -0.3118% | 6,484 |
| Pretax return on assets | -0.4947% | 6,551 |
| Return on Equity (ROE) | -1.7417% | 6,371 |
| Retained earnings to average equity (ytd only) | -1.7417% | 6,151 |
| Net charge-offs to loans | 0.5092% | 3,255 |
| Credit loss provision to net charge-offs | 165.9054% | 2,256 |
| Earnings coverage of net charge-offs (x) | -0.3230% | 6,257 |
| Efficiency ratio | 97.2620% | 849 |
| Assets per employee ($millions) | 4.1068% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 6,218 |
| Loan loss allowance to noncurrent loans | 148.2287% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.6269% | 5,877 |
| Noncurrent loans to loans | 0.7017% | 5,805 |
| Net loans and leases to total assets | 67.6981% | 3,290 |
| Net loans and leases to deposits | 80.9373% | 3,282 |
| Net loans and leases to core deposits | 98.9057% | 1,945 |
| Total domestic deposits to total assets | 83.6427% | 4,297 |
| Equity capital to assets | 15.9716% | 681 |
| Core capital (leverage) ratio | 10.3884% | 2,813 |
| Tier 1 risk-based capital ratio | 13.6039% | 4,114 |
| Total risk-based capital ratio | 14.6658% | 4,221 |
| Memoranda: | ||
| Average total assets | $231,801,750 | 2,761 |
| Average earning assets | $201,296,500 | 2,897 |
| Average equity | $41,492,250 | 1,599 |
| Average total loans | $160,523,500 | 2,649 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2795% | 3,564 |
| Cost of funding earning assets | 1.0004% | 6,140 |
| Net interest margin | 4.2791% | 1,854 |
| Noninterest income to average assets | 0.3599% | 5,271 |
| Noninterest expense to average assets | 4.2239% | 792 |
| Loan and lease loss provision to assets | 0.6148% | 2,332 |
| Net operating income to assets | -0.4781% | 6,630 |
| Return on assets (ROA) | -0.3851% | 6,590 |
| Pretax return on assets | -0.6247% | 6,680 |
| Return on Equity (ROE) | -2.0650% | 6,424 |
| Retained earnings to average equity (ytd only) | -2.0650% | 6,154 |
| Net charge-offs to loans | 0.6154% | 2,686 |
| Credit loss provision to net charge-offs | 143.6059% | 2,768 |
| Earnings coverage of net charge-offs (x) | -0.3627% | 5,959 |
| Efficiency ratio | 98.0587% | 876 |
| Assets per employee ($millions) | 3.6976% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 6,431 |
| Loan loss allowance to noncurrent loans | 71.1198% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.2061% | 4,726 |
| Noncurrent loans to loans | 1.3993% | 4,604 |
| Net loans and leases to total assets | 71.3876% | 2,569 |
| Net loans and leases to deposits | 87.8666% | 2,193 |
| Net loans and leases to core deposits | 107.6734% | 1,325 |
| Total domestic deposits to total assets | 81.2454% | 5,315 |
| Equity capital to assets | 18.0454% | 413 |
| Core capital (leverage) ratio | 11.1669% | 2,125 |
| Tier 1 risk-based capital ratio | 14.6344% | 3,362 |
| Total risk-based capital ratio | 15.6525% | 3,458 |
| Memoranda: | ||
| Average total assets | $222,826,330 | 2,895 |
| Average earning assets | $193,125,330 | 3,032 |
| Average equity | $41,548,670 | 1,585 |
| Average total loans | $155,033,000 | 2,761 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1624% | 4,232 |
| Cost of funding earning assets | 1.0241% | 6,258 |
| Net interest margin | 4.1383% | 2,275 |
| Noninterest income to average assets | 0.3461% | 5,371 |
| Noninterest expense to average assets | 4.1910% | 820 |
| Loan and lease loss provision to assets | 0.2987% | 3,645 |
| Net operating income to assets | -0.3351% | 6,697 |
| Return on assets (ROA) | -0.3351% | 6,749 |
| Pretax return on assets | -0.5519% | 6,820 |
| Return on Equity (ROE) | -1.7676% | 6,614 |
| Retained earnings to average equity (ytd only) | -1.7676% | 6,175 |
| Net charge-offs to loans | 0.0534% | 4,871 |
| Credit loss provision to net charge-offs | 820.0000% | 559 |
| Earnings coverage of net charge-offs (x) | -6.9500% | 5,548 |
| Efficiency ratio | 100.4163% | 821 |
| Assets per employee ($millions) | 3.7708% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 6,393 |
| Loan loss allowance to noncurrent loans | 73.2623% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.4374% | 4,350 |
| Noncurrent loans to loans | 1.3822% | 4,665 |
| Net loans and leases to total assets | 69.4644% | 3,061 |
| Net loans and leases to deposits | 86.5084% | 2,503 |
| Net loans and leases to core deposits | 106.0009% | 1,575 |
| Total domestic deposits to total assets | 80.2978% | 5,685 |
| Equity capital to assets | 18.6774% | 363 |
| Core capital (leverage) ratio | 11.9214% | 1,681 |
| Tier 1 risk-based capital ratio | 15.6358% | 2,813 |
| Total risk-based capital ratio | 16.6704% | 2,857 |
| Memoranda: | ||
| Average total assets | $219,614,500 | 2,994 |
| Average earning assets | $190,609,500 | 3,113 |
| Average equity | $41,638,500 | 1,599 |
| Average total loans | $149,899,000 | 2,901 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3336% | 5,012 |
| Cost of funding earning assets | 1.2860% | 6,355 |
| Net interest margin | 4.0476% | 2,661 |
| Noninterest income to average assets | 0.4637% | 4,686 |
| Noninterest expense to average assets | 4.4641% | 825 |
| Loan and lease loss provision to assets | 0.2632% | 5,301 |
| Net operating income to assets | -0.5098% | 6,191 |
| Return on assets (ROA) | -0.5098% | 6,182 |
| Pretax return on assets | -0.8083% | 6,268 |
| Return on Equity (ROE) | -2.9188% | 5,974 |
| Retained earnings to average equity (ytd only) | -2.9188% | 5,686 |
| Net charge-offs to loans | 0.0508% | 6,592 |
| Credit loss provision to net charge-offs | 791.9355% | 371 |
| Earnings coverage of net charge-offs (x) | -16.4032% | 7,182 |
| Efficiency ratio | 106.7843% | 887 |
| Assets per employee ($millions) | 3.7371% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 6,382 |
| Loan loss allowance to noncurrent loans | 67.2438% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.3481% | 4,400 |
| Noncurrent loans to loans | 1.4874% | 4,440 |
| Net loans and leases to total assets | 65.6223% | 4,254 |
| Net loans and leases to deposits | 82.2797% | 3,578 |
| Net loans and leases to core deposits | 123.6499% | 1,664 |
| Total domestic deposits to total assets | 79.7551% | 5,748 |
| Equity capital to assets | 19.2497% | 349 |
| Core capital (leverage) ratio | 12.7185% | 1,344 |
| Tier 1 risk-based capital ratio | 16.7944% | 2,207 |
| Total risk-based capital ratio | 17.7969% | 2,246 |
| Memoranda: | ||
| Average total assets | $186,553,000 | 3,329 |
| Average earning assets | $159,256,000 | 3,533 |
| Average equity | $32,581,400 | 2,053 |
| Average total loans | $122,090,200 | 3,439 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3784% | 5,055 |
| Cost of funding earning assets | 1.3584% | 6,375 |
| Net interest margin | 4.0200% | 2,724 |
| Noninterest income to average assets | 0.4946% | 4,532 |
| Noninterest expense to average assets | 4.4855% | 758 |
| Loan and lease loss provision to assets | 0.2324% | 5,113 |
| Net operating income to assets | -0.6339% | 6,554 |
| Return on assets (ROA) | -0.6339% | 6,563 |
| Pretax return on assets | -0.8022% | 6,546 |
| Return on Equity (ROE) | -3.7452% | 6,314 |
| Retained earnings to average equity (ytd only) | -3.7452% | 6,066 |
| Net charge-offs to loans | 0.0731% | 5,954 |
| Credit loss provision to net charge-offs | 487.5000% | 810 |
| Earnings coverage of net charge-offs (x) | -11.9532% | 6,911 |
| Efficiency ratio | 107.1143% | 830 |
| Assets per employee ($millions) | 3.5540% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 6,390 |
| Loan loss allowance to noncurrent loans | 213.6054% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.6899% | 5,759 |
| Noncurrent loans to loans | 0.4600% | 6,399 |
| Net loans and leases to total assets | 63.5930% | 4,951 |
| Net loans and leases to deposits | 78.6745% | 4,624 |
| Net loans and leases to core deposits | 115.1123% | 2,712 |
| Total domestic deposits to total assets | 80.8305% | 5,143 |
| Equity capital to assets | 17.6179% | 551 |
| Core capital (leverage) ratio | 10.0928% | 3,186 |
| Tier 1 risk-based capital ratio | 13.5498% | 3,814 |
| Total risk-based capital ratio | 14.5129% | 3,959 |
| Memoranda: | ||
| Average total assets | $179,003,500 | 3,481 |
| Average earning assets | $152,334,000 | 3,683 |
| Average equity | $30,295,750 | 2,232 |
| Average total loans | $116,694,250 | 3,577 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4653% | 4,811 |
| Cost of funding earning assets | 1.4147% | 6,432 |
| Net interest margin | 4.0506% | 2,501 |
| Noninterest income to average assets | 0.5269% | 4,214 |
| Noninterest expense to average assets | 4.5982% | 698 |
| Loan and lease loss provision to assets | 0.1996% | 5,059 |
| Net operating income to assets | -0.5281% | 6,577 |
| Return on assets (ROA) | -0.5281% | 6,585 |
| Pretax return on assets | -0.8449% | 6,711 |
| Return on Equity (ROE) | -3.1700% | 6,382 |
| Retained earnings to average equity (ytd only) | -3.1700% | 5,996 |
| Net charge-offs to loans | 0.0159% | 6,304 |
| Credit loss provision to net charge-offs | 1,911.1111% | 280 |
| Earnings coverage of net charge-offs (x) | -61.7778% | 6,601 |
| Efficiency ratio | 108.6612% | 887 |
| Assets per employee ($millions) | 3.4156% | 5,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 6,486 |
| Loan loss allowance to noncurrent loans | 194.1957% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.7525% | 5,522 |
| Noncurrent loans to loans | 0.4958% | 6,286 |
| Net loans and leases to total assets | 65.3080% | 4,704 |
| Net loans and leases to deposits | 82.8776% | 4,066 |
| Net loans and leases to core deposits | 113.4686% | 2,973 |
| Total domestic deposits to total assets | 78.8005% | 5,862 |
| Equity capital to assets | 18.3726% | 518 |
| Core capital (leverage) ratio | 10.5707% | 2,751 |
| Tier 1 risk-based capital ratio | 13.4986% | 3,816 |
| Total risk-based capital ratio | 14.4237% | 3,945 |
| Memoranda: | ||
| Average total assets | $172,329,670 | 3,595 |
| Average earning assets | $145,755,330 | 3,826 |
| Average equity | $28,706,330 | 2,356 |
| Average total loans | $112,985,000 | 3,702 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4606% | 5,119 |
| Cost of funding earning assets | 1.4807% | 6,465 |
| Net interest margin | 3.9799% | 2,725 |
| Noninterest income to average assets | 0.5461% | 3,960 |
| Noninterest expense to average assets | 4.6430% | 628 |
| Loan and lease loss provision to assets | 0.2334% | 4,110 |
| Net operating income to assets | -0.5918% | 6,959 |
| Return on assets (ROA) | -0.5918% | 7,005 |
| Pretax return on assets | -0.9743% | 7,145 |
| Return on Equity (ROE) | -3.7678% | 6,868 |
| Retained earnings to average equity (ytd only) | -3.7678% | 6,395 |
| Net charge-offs to loans | 0.0810% | 4,357 |
| Credit loss provision to net charge-offs | 440.9091% | 1,196 |
| Earnings coverage of net charge-offs (x) | -14.0000% | 5,641 |
| Efficiency ratio | 110.9741% | 786 |
| Assets per employee ($millions) | 3.2289% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 6,427 |
| Loan loss allowance to noncurrent loans | 166.9753% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.8436% | 5,083 |
| Noncurrent loans to loans | 0.5755% | 5,965 |
| Net loans and leases to total assets | 63.9585% | 4,994 |
| Net loans and leases to deposits | 77.9500% | 4,928 |
| Net loans and leases to core deposits | 102.1704% | 4,327 |
| Total domestic deposits to total assets | 82.0507% | 4,529 |
| Equity capital to assets | 15.1225% | 1,067 |
| Core capital (leverage) ratio | 5.6827% | 8,057 |
| Tier 1 risk-based capital ratio | 7.3362% | 8,071 |
| Total risk-based capital ratio | 8.2704% | 8,104 |
| Memoranda: | ||
| Average total assets | $166,273,000 | 3,721 |
| Average earning assets | $140,204,500 | 3,951 |
| Average equity | $26,116,000 | 2,562 |
| Average total loans | $108,664,000 | 3,821 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4793% | 8,200 |
| Cost of funding earning assets | 0.8053% | 8,122 |
| Net interest margin | 1.6740% | 8,158 |
| Noninterest income to average assets | 0.2281% | 6,803 |
| Noninterest expense to average assets | 2.1863% | 6,999 |
| Loan and lease loss provision to assets | 0.2815% | 4,137 |
| Net operating income to assets | -0.4546% | 6,887 |
| Return on assets (ROA) | -0.4546% | 6,765 |
| Pretax return on assets | -0.7449% | 6,843 |
| Return on Equity (ROE) | -3.5071% | 6,686 |
| Retained earnings to average equity (ytd only) | -3.5071% | 6,231 |
| Net charge-offs to loans | 0.3022% | 3,380 |
| Credit loss provision to net charge-offs | 146.2185% | 3,608 |
| Earnings coverage of net charge-offs (x) | -2.4076% | 6,731 |
| Efficiency ratio | 117.6995% | 598 |
| Assets per employee ($millions) | 2.9846% | 6,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 6,321 |
| Loan loss allowance to noncurrent loans | 253.9043% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 5,922 |
| Noncurrent loans to loans | 0.3791% | 6,217 |
| Net loans and leases to total assets | 65.5684% | 4,940 |
| Net loans and leases to deposits | 80.8705% | 4,894 |
| Net loans and leases to core deposits | 96.1188% | 5,248 |
| Total domestic deposits to total assets | 81.0782% | 4,603 |
| Equity capital to assets | 16.3507% | 873 |
| Core capital (leverage) ratio | 6.0174% | 8,074 |
| Tier 1 risk-based capital ratio | 7.4700% | 8,134 |
| Total risk-based capital ratio | 8.3991% | 8,175 |
| Memoranda: | ||
| Average total assets | $123,634,800 | 4,429 |
| Average earning assets | $110,395,000 | 4,505 |
| Average equity | $16,024,600 | 3,925 |
| Average total loans | $78,750,600 | 4,562 |