Home > Livingston State Bank > Performance and Condition Ratios
Livingston State Bank, Performance and Condition Ratios
| 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 | 4.4405% | 1,724 |
| Cost of funding earning assets | 0.4809% | 2,252 |
| Net interest margin | 3.9596% | 1,780 |
| Noninterest income to average assets | 0.2749% | 4,807 |
| Noninterest expense to average assets | 2.3714% | 4,352 |
| Loan and lease loss provision to assets | 0.1236% | 1,887 |
| Net operating income to assets | 0.3572% | 5,148 |
| Return on assets (ROA) | 0.3619% | 5,222 |
| Pretax return on assets | 1.4297% | 1,940 |
| Return on Equity (ROE) | 2.7749% | 5,279 |
| Retained earnings to average equity (ytd only) | 1.1848% | 5,036 |
| Net charge-offs to loans | -0.0367% | 5,244 |
| Credit loss provision to net charge-offs | -447.0588% | 5,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7882% | 4,571 |
| Assets per employee ($millions) | 5.8443% | 1,546 |
| Cash dividends to net income (ytd only)* | 57.3030% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1272% | 5,912 |
| Loan loss allowance to noncurrent loans | 10.9807% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 1.5265% | 1,165 |
| Noncurrent loans to loans | 1.1588% | 1,935 |
| Net loans and leases to total assets | 76.2663% | 1,485 |
| Net loans and leases to deposits | 93.7171% | 1,288 |
| Net loans and leases to core deposits | 102.4798% | 1,447 |
| Total domestic deposits to total assets | 81.3794% | 4,140 |
| Equity capital to assets | 13.5541% | 1,223 |
| Core capital (leverage) ratio | 10.0357% | 3,527 |
| Tier 1 risk-based capital ratio | 13.6927% | 3,750 |
| Total risk-based capital ratio | 13.8290% | 4,333 |
| Memoranda: | ||
| Average total assets | $163,951,500 | 3,372 |
| Average earning assets | $150,819,250 | 3,375 |
| Average equity | $21,382,000 | 3,053 |
| Average total loans | $123,453,250 | 3,023 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 2,325 |
| Cost of funding earning assets | 0.5484% | 1,711 |
| Net interest margin | 3.7043% | 2,681 |
| Noninterest income to average assets | 0.2706% | 4,845 |
| Noninterest expense to average assets | 2.3626% | 4,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.2630% | 5,868 |
| Return on assets (ROA) | -0.2560% | 5,880 |
| Pretax return on assets | 1.3447% | 2,225 |
| Return on Equity (ROE) | -1.9890% | 5,869 |
| Retained earnings to average equity (ytd only) | -4.4042% | 5,719 |
| Net charge-offs to loans | -0.0439% | 5,314 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9182% | 4,034 |
| Assets per employee ($millions) | 5.9446% | 1,434 |
| Cash dividends to net income (ytd only)* | -121.4286% | 6,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,008 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 1.4269% | 1,363 |
| Noncurrent loans to loans | 1.4871% | 1,475 |
| Net loans and leases to total assets | 74.5387% | 1,721 |
| Net loans and leases to deposits | 90.7953% | 1,652 |
| Net loans and leases to core deposits | 99.1085% | 1,709 |
| Total domestic deposits to total assets | 82.0954% | 3,977 |
| Equity capital to assets | 12.9493% | 1,533 |
| Core capital (leverage) ratio | 9.9031% | 3,678 |
| Tier 1 risk-based capital ratio | 13.4590% | 3,934 |
| Total risk-based capital ratio | 13.4590% | 4,617 |
| Memoranda: | ||
| Average total assets | $164,055,000 | 3,388 |
| Average earning assets | $151,714,330 | 3,385 |
| Average equity | $21,116,000 | 3,083 |
| Average total loans | $122,950,330 | 3,038 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1925% | 2,501 |
| Cost of funding earning assets | 0.5343% | 1,833 |
| Net interest margin | 3.6583% | 2,858 |
| Noninterest income to average assets | 0.2505% | 4,951 |
| Noninterest expense to average assets | 2.3284% | 4,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9186% | 2,661 |
| Return on assets (ROA) | 0.9186% | 2,771 |
| Pretax return on assets | 1.3361% | 2,156 |
| Return on Equity (ROE) | 7.1589% | 3,367 |
| Retained earnings to average equity (ytd only) | 3.2349% | 3,880 |
| Net charge-offs to loans | -0.0163% | 4,763 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5389% | 4,205 |
| Assets per employee ($millions) | 5.7206% | 1,648 |
| Cash dividends to net income (ytd only)* | 54.8128% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5923% | 1,629 |
| Loan loss allowance to noncurrent loans | 98.9437% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.5645% | 1,281 |
| Noncurrent loans to loans | 1.6093% | 1,433 |
| Net loans and leases to total assets | 75.8935% | 1,410 |
| Net loans and leases to deposits | 91.4489% | 1,410 |
| Net loans and leases to core deposits | 96.8553% | 1,718 |
| Total domestic deposits to total assets | 82.9901% | 3,899 |
| Equity capital to assets | 13.1267% | 1,355 |
| Core capital (leverage) ratio | 11.5001% | 1,969 |
| Tier 1 risk-based capital ratio | 15.7624% | 2,800 |
| Total risk-based capital ratio | 17.0333% | 2,726 |
| Memoranda: | ||
| Average total assets | $162,858,000 | 3,417 |
| Average earning assets | $151,984,500 | 3,395 |
| Average equity | $20,897,000 | 3,109 |
| Average total loans | $122,391,000 | 3,049 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2654% | 2,336 |
| Cost of funding earning assets | 0.5430% | 1,825 |
| Net interest margin | 3.7224% | 2,666 |
| Noninterest income to average assets | 0.3461% | 4,436 |
| Noninterest expense to average assets | 2.3906% | 4,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9591% | 2,578 |
| Return on assets (ROA) | 0.9692% | 2,600 |
| Pretax return on assets | 1.4214% | 1,820 |
| Return on Equity (ROE) | 7.8068% | 3,068 |
| Retained earnings to average equity (ytd only) | 6.5147% | 1,533 |
| Net charge-offs to loans | -0.0271% | 5,366 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9569% | 4,449 |
| Assets per employee ($millions) | 5.9121% | 1,447 |
| Cash dividends to net income (ytd only)* | 16.5500% | 3,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6181% | 1,549 |
| Loan loss allowance to noncurrent loans | 96.1293% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.5483% | 1,283 |
| Noncurrent loans to loans | 1.6833% | 1,351 |
| Net loans and leases to total assets | 72.0610% | 2,040 |
| Net loans and leases to deposits | 85.4169% | 2,196 |
| Net loans and leases to core deposits | 89.6734% | 2,436 |
| Total domestic deposits to total assets | 84.3638% | 3,346 |
| Equity capital to assets | 12.5457% | 1,602 |
| Core capital (leverage) ratio | 11.4743% | 1,977 |
| Tier 1 risk-based capital ratio | 16.2740% | 2,574 |
| Total risk-based capital ratio | 17.5408% | 2,525 |
| Memoranda: | ||
| Average total assets | $162,091,400 | 3,401 |
| Average earning assets | $150,280,200 | 3,400 |
| Average equity | $20,123,600 | 3,158 |
| Average total loans | $121,595,000 | 3,025 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3017% | 2,228 |
| Cost of funding earning assets | 0.5407% | 1,881 |
| Net interest margin | 3.7610% | 2,523 |
| Noninterest income to average assets | 0.3399% | 4,506 |
| Noninterest expense to average assets | 2.4370% | 4,397 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9450% | 2,736 |
| Return on assets (ROA) | 0.9584% | 2,765 |
| Pretax return on assets | 1.4083% | 1,982 |
| Return on Equity (ROE) | 7.7410% | 3,211 |
| Retained earnings to average equity (ytd only) | 6.0045% | 2,244 |
| Net charge-offs to loans | -0.0285% | 5,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7051% | 4,298 |
| Assets per employee ($millions) | 6.0863% | 1,307 |
| Cash dividends to net income (ytd only)* | 22.4333% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6046% | 1,779 |
| Loan loss allowance to noncurrent loans | 112.8753% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.4112% | 1,629 |
| Noncurrent loans to loans | 1.4216% | 1,780 |
| Net loans and leases to total assets | 72.9503% | 1,914 |
| Net loans and leases to deposits | 86.8048% | 2,052 |
| Net loans and leases to core deposits | 91.1046% | 2,348 |
| Total domestic deposits to total assets | 84.0395% | 3,405 |
| Equity capital to assets | 12.3994% | 1,797 |
| Core capital (leverage) ratio | 11.2153% | 2,279 |
| Tier 1 risk-based capital ratio | 15.2973% | 3,142 |
| Total risk-based capital ratio | 16.5624% | 3,063 |
| Memoranda: | ||
| Average total assets | $161,229,500 | 3,447 |
| Average earning assets | $149,426,250 | 3,439 |
| Average equity | $19,962,500 | 3,201 |
| Average total loans | $121,681,000 | 3,055 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3393% | 2,050 |
| Cost of funding earning assets | 0.5434% | 1,874 |
| Net interest margin | 3.7959% | 2,330 |
| Noninterest income to average assets | 0.3483% | 4,467 |
| Noninterest expense to average assets | 2.4582% | 4,368 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9547% | 2,610 |
| Return on assets (ROA) | 0.9751% | 2,622 |
| Pretax return on assets | 1.4345% | 1,851 |
| Return on Equity (ROE) | 7.8791% | 3,121 |
| Retained earnings to average equity (ytd only) | 6.6685% | 1,865 |
| Net charge-offs to loans | -0.0493% | 5,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6393% | 4,405 |
| Assets per employee ($millions) | 6.0152% | 1,337 |
| Cash dividends to net income (ytd only)* | 15.3649% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6048% | 1,895 |
| Loan loss allowance to noncurrent loans | 171.5412% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 1.0652% | 2,380 |
| Noncurrent loans to loans | 0.9355% | 2,789 |
| Net loans and leases to total assets | 73.9567% | 1,668 |
| Net loans and leases to deposits | 86.1013% | 2,039 |
| Net loans and leases to core deposits | 90.6055% | 2,285 |
| Total domestic deposits to total assets | 85.8950% | 2,745 |
| Equity capital to assets | 12.3829% | 1,742 |
| Core capital (leverage) ratio | 11.2041% | 2,242 |
| Tier 1 risk-based capital ratio | 14.7981% | 3,472 |
| Total risk-based capital ratio | 16.0632% | 3,397 |
| Memoranda: | ||
| Average total assets | $160,195,670 | 3,484 |
| Average earning assets | $148,319,330 | 3,481 |
| Average equity | $19,824,670 | 3,229 |
| Average total loans | $121,629,670 | 3,060 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 2,024 |
| Cost of funding earning assets | 0.5450% | 1,886 |
| Net interest margin | 3.7767% | 2,317 |
| Noninterest income to average assets | 0.3771% | 4,184 |
| Noninterest expense to average assets | 2.4666% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9043% | 2,723 |
| Return on assets (ROA) | 0.9429% | 2,677 |
| Pretax return on assets | 1.4734% | 1,648 |
| Return on Equity (ROE) | 7.6214% | 3,155 |
| Retained earnings to average equity (ytd only) | 7.6214% | 1,716 |
| Net charge-offs to loans | -0.0329% | 5,308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5774% | 4,543 |
| Assets per employee ($millions) | 5.9031% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 2,075 |
| Loan loss allowance to noncurrent loans | 154.9960% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 1.1149% | 2,403 |
| Noncurrent loans to loans | 1.0279% | 2,710 |
| Net loans and leases to total assets | 75.1445% | 1,330 |
| Net loans and leases to deposits | 87.5517% | 1,666 |
| Net loans and leases to core deposits | 92.3225% | 1,918 |
| Total domestic deposits to total assets | 85.8287% | 3,026 |
| Equity capital to assets | 12.4786% | 1,705 |
| Core capital (leverage) ratio | 11.0841% | 2,329 |
| Tier 1 risk-based capital ratio | 14.8163% | 3,536 |
| Total risk-based capital ratio | 16.0918% | 3,457 |
| Memoranda: | ||
| Average total assets | $159,088,500 | 3,521 |
| Average earning assets | $147,535,000 | 3,510 |
| Average equity | $19,681,500 | 3,266 |
| Average total loans | $121,408,500 | 3,070 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3235% | 2,515 |
| Cost of funding earning assets | 0.5794% | 1,958 |
| Net interest margin | 3.7441% | 2,831 |
| Noninterest income to average assets | 0.3609% | 4,512 |
| Noninterest expense to average assets | 2.4187% | 4,795 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9330% | 2,711 |
| Return on assets (ROA) | 0.9346% | 2,793 |
| Pretax return on assets | 1.4233% | 1,803 |
| Return on Equity (ROE) | 7.8752% | 3,199 |
| Retained earnings to average equity (ytd only) | 4.0865% | 3,294 |
| Net charge-offs to loans | 0.0060% | 4,811 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 327.2857% | 170 |
| Efficiency ratio | 60.9272% | 5,084 |
| Assets per employee ($millions) | 6.1074% | 1,305 |
| Cash dividends to net income (ytd only)* | 48.1088% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5928% | 2,116 |
| Loan loss allowance to noncurrent loans | 162.5105% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 1.0851% | 2,579 |
| Noncurrent loans to loans | 0.9801% | 2,877 |
| Net loans and leases to total assets | 75.0542% | 1,414 |
| Net loans and leases to deposits | 88.4440% | 1,681 |
| Net loans and leases to core deposits | 93.5912% | 1,945 |
| Total domestic deposits to total assets | 84.8607% | 3,347 |
| Equity capital to assets | 12.2638% | 1,815 |
| Core capital (leverage) ratio | 11.4662% | 1,995 |
| Tier 1 risk-based capital ratio | 15.5593% | 3,207 |
| Total risk-based capital ratio | 16.8144% | 3,135 |
| Memoranda: | ||
| Average total assets | $161,245,800 | 3,472 |
| Average earning assets | $149,810,400 | 3,445 |
| Average equity | $19,136,000 | 3,267 |
| Average total loans | $117,441,600 | 3,091 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2825% | 2,700 |
| Cost of funding earning assets | 0.5897% | 1,930 |
| Net interest margin | 3.6928% | 3,053 |
| Noninterest income to average assets | 0.3641% | 4,516 |
| Noninterest expense to average assets | 2.4490% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8620% | 3,114 |
| Return on assets (ROA) | 0.8641% | 3,197 |
| Pretax return on assets | 1.3542% | 2,173 |
| Return on Equity (ROE) | 7.3413% | 3,534 |
| Retained earnings to average equity (ytd only) | 6.3265% | 2,200 |
| Net charge-offs to loans | 0.0160% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 117.1189% | 508 |
| Efficiency ratio | 62.3672% | 4,834 |
| Assets per employee ($millions) | 6.1148% | 1,251 |
| Cash dividends to net income (ytd only)* | 13.8228% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 2,376 |
| Loan loss allowance to noncurrent loans | 157.6702% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 1.2441% | 2,471 |
| Noncurrent loans to loans | 1.0013% | 3,065 |
| Net loans and leases to total assets | 75.3656% | 1,314 |
| Net loans and leases to deposits | 86.4621% | 1,860 |
| Net loans and leases to core deposits | 92.0658% | 2,030 |
| Total domestic deposits to total assets | 87.1661% | 2,229 |
| Equity capital to assets | 12.3062% | 1,823 |
| Core capital (leverage) ratio | 11.3846% | 2,148 |
| Tier 1 risk-based capital ratio | 15.7294% | 3,196 |
| Total risk-based capital ratio | 16.9841% | 3,129 |
| Memoranda: | ||
| Average total assets | $161,859,250 | 3,494 |
| Average earning assets | $150,594,000 | 3,455 |
| Average equity | $19,051,500 | 3,294 |
| Average total loans | $116,524,750 | 3,127 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2400% | 2,808 |
| Cost of funding earning assets | 0.6008% | 1,890 |
| Net interest margin | 3.6392% | 3,194 |
| Noninterest income to average assets | 0.3562% | 4,569 |
| Noninterest expense to average assets | 2.4162% | 4,836 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8860% | 2,882 |
| Return on assets (ROA) | 0.8893% | 2,957 |
| Pretax return on assets | 1.3303% | 2,146 |
| Return on Equity (ROE) | 7.6694% | 3,281 |
| Retained earnings to average equity (ytd only) | 6.3452% | 2,122 |
| Net charge-offs to loans | 0.0401% | 3,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 46.9130% | 953 |
| Efficiency ratio | 62.4754% | 4,947 |
| Assets per employee ($millions) | 6.3745% | 1,075 |
| Cash dividends to net income (ytd only)* | 17.2652% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6471% | 2,298 |
| Loan loss allowance to noncurrent loans | 197.8283% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 1.1735% | 2,729 |
| Noncurrent loans to loans | 0.8326% | 3,618 |
| Net loans and leases to total assets | 68.9218% | 2,252 |
| Net loans and leases to deposits | 78.3996% | 2,746 |
| Net loans and leases to core deposits | 84.7528% | 2,647 |
| Total domestic deposits to total assets | 87.9110% | 1,954 |
| Equity capital to assets | 11.6208% | 2,306 |
| Core capital (leverage) ratio | 10.9799% | 2,446 |
| Tier 1 risk-based capital ratio | 16.1922% | 2,984 |
| Total risk-based capital ratio | 17.4483% | 2,931 |
| Memoranda: | ||
| Average total assets | $162,817,330 | 3,498 |
| Average earning assets | $151,463,330 | 3,458 |
| Average equity | $18,880,330 | 3,303 |
| Average total loans | $114,785,670 | 3,158 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 3,219 |
| Cost of funding earning assets | 0.6146% | 1,859 |
| Net interest margin | 3.5016% | 3,684 |
| Noninterest income to average assets | 0.3198% | 4,813 |
| Noninterest expense to average assets | 2.3972% | 4,931 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8032% | 3,137 |
| Return on assets (ROA) | 0.8032% | 3,218 |
| Pretax return on assets | 1.1849% | 2,546 |
| Return on Equity (ROE) | 6.9340% | 3,513 |
| Retained earnings to average equity (ytd only) | 4.2588% | 3,570 |
| Net charge-offs to loans | 0.0666% | 2,485 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 25.1579% | 1,164 |
| Efficiency ratio | 64.7059% | 4,744 |
| Assets per employee ($millions) | 6.1884% | 1,186 |
| Cash dividends to net income (ytd only)* | 38.5802% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6720% | 2,434 |
| Loan loss allowance to noncurrent loans | 133.0326% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 1.5221% | 2,326 |
| Noncurrent loans to loans | 1.2568% | 2,938 |
| Net loans and leases to total assets | 70.0676% | 1,872 |
| Net loans and leases to deposits | 79.7834% | 2,323 |
| Net loans and leases to core deposits | 86.7749% | 2,227 |
| Total domestic deposits to total assets | 87.8222% | 2,325 |
| Equity capital to assets | 11.6893% | 2,109 |
| Core capital (leverage) ratio | 11.0138% | 2,376 |
| Tier 1 risk-based capital ratio | 15.7953% | 3,271 |
| Total risk-based capital ratio | 17.0510% | 3,231 |
| Memoranda: | ||
| Average total assets | $161,357,500 | 3,543 |
| Average earning assets | $150,332,500 | 3,506 |
| Average equity | $18,690,500 | 3,326 |
| Average total loans | $114,107,500 | 3,184 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4756% | 2,301 |
| Cost of funding earning assets | 0.7345% | 1,600 |
| Net interest margin | 3.7411% | 2,893 |
| Noninterest income to average assets | 0.2992% | 5,207 |
| Noninterest expense to average assets | 2.3818% | 5,123 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8989% | 2,790 |
| Return on assets (ROA) | 0.8989% | 2,878 |
| Pretax return on assets | 1.3907% | 1,819 |
| Return on Equity (ROE) | 7.8982% | 3,079 |
| Retained earnings to average equity (ytd only) | 5.5156% | 2,270 |
| Net charge-offs to loans | 0.1418% | 3,388 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 14.0314% | 1,970 |
| Efficiency ratio | 61.0212% | 5,355 |
| Assets per employee ($millions) | 6.2237% | 1,123 |
| Cash dividends to net income (ytd only)* | 30.1664% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7039% | 2,392 |
| Loan loss allowance to noncurrent loans | 242.1777% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 1.1167% | 3,171 |
| Noncurrent loans to loans | 0.7036% | 4,216 |
| Net loans and leases to total assets | 68.9827% | 2,176 |
| Net loans and leases to deposits | 78.2477% | 2,694 |
| Net loans and leases to core deposits | 85.0677% | 2,557 |
| Total domestic deposits to total assets | 88.1594% | 2,084 |
| Equity capital to assets | 11.4779% | 2,184 |
| Core capital (leverage) ratio | 10.7727% | 2,599 |
| Tier 1 risk-based capital ratio | 15.7770% | 3,210 |
| Total risk-based capital ratio | 17.0335% | 3,168 |
| Memoranda: | ||
| Average total assets | $160,424,000 | 3,557 |
| Average earning assets | $148,939,800 | 3,524 |
| Average equity | $18,257,400 | 3,377 |
| Average total loans | $112,135,800 | 3,206 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5141% | 2,176 |
| Cost of funding earning assets | 0.7585% | 1,544 |
| Net interest margin | 3.7556% | 2,820 |
| Noninterest income to average assets | 0.2790% | 5,449 |
| Noninterest expense to average assets | 2.3363% | 5,226 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9162% | 2,753 |
| Return on assets (ROA) | 0.9162% | 2,855 |
| Pretax return on assets | 1.4276% | 1,841 |
| Return on Equity (ROE) | 8.0679% | 3,085 |
| Retained earnings to average equity (ytd only) | 4.8774% | 3,170 |
| Net charge-offs to loans | 0.1944% | 2,677 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 10.5153% | 2,348 |
| Efficiency ratio | 59.9469% | 5,440 |
| Assets per employee ($millions) | 5.9386% | 1,277 |
| Cash dividends to net income (ytd only)* | 39.5458% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6728% | 2,722 |
| Loan loss allowance to noncurrent loans | 183.5551% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 1.1525% | 3,351 |
| Noncurrent loans to loans | 0.9113% | 3,997 |
| Net loans and leases to total assets | 70.7887% | 1,816 |
| Net loans and leases to deposits | 80.3301% | 2,361 |
| Net loans and leases to core deposits | 87.3867% | 2,242 |
| Total domestic deposits to total assets | 88.1223% | 2,042 |
| Equity capital to assets | 11.4025% | 2,379 |
| Core capital (leverage) ratio | 10.5512% | 2,953 |
| Tier 1 risk-based capital ratio | 14.9319% | 3,798 |
| Total risk-based capital ratio | 16.1877% | 3,742 |
| Memoranda: | ||
| Average total assets | $160,076,000 | 3,594 |
| Average earning assets | $148,539,500 | 3,564 |
| Average equity | $18,178,500 | 3,427 |
| Average total loans | $111,779,750 | 3,232 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5343% | 2,072 |
| Cost of funding earning assets | 0.7851% | 1,494 |
| Net interest margin | 3.7492% | 2,766 |
| Noninterest income to average assets | 0.3838% | 4,638 |
| Noninterest expense to average assets | 2.3289% | 5,279 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0001% | 2,326 |
| Return on assets (ROA) | 1.0001% | 2,466 |
| Pretax return on assets | 1.5414% | 1,507 |
| Return on Equity (ROE) | 8.8185% | 2,693 |
| Retained earnings to average equity (ytd only) | 7.8815% | 1,537 |
| Net charge-offs to loans | 0.2225% | 2,403 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 10.0244% | 2,204 |
| Efficiency ratio | 58.1072% | 5,718 |
| Assets per employee ($millions) | 6.4701% | 912 |
| Cash dividends to net income (ytd only)* | 10.6250% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7691% | 2,533 |
| Loan loss allowance to noncurrent loans | 206.4921% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 1.1808% | 3,391 |
| Noncurrent loans to loans | 0.8567% | 4,209 |
| Net loans and leases to total assets | 67.6952% | 2,308 |
| Net loans and leases to deposits | 76.7638% | 2,761 |
| Net loans and leases to core deposits | 83.3687% | 2,647 |
| Total domestic deposits to total assets | 88.1863% | 2,120 |
| Equity capital to assets | 11.3451% | 2,426 |
| Core capital (leverage) ratio | 10.6586% | 2,708 |
| Tier 1 risk-based capital ratio | 15.3938% | 3,531 |
| Total risk-based capital ratio | 16.6503% | 3,494 |
| Memoranda: | ||
| Average total assets | $159,987,330 | 3,612 |
| Average earning assets | $148,777,330 | 3,581 |
| Average equity | $18,143,670 | 3,451 |
| Average total loans | $110,561,330 | 3,261 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6336% | 1,730 |
| Cost of funding earning assets | 0.8188% | 1,425 |
| Net interest margin | 3.8148% | 2,392 |
| Noninterest income to average assets | 0.4098% | 4,394 |
| Noninterest expense to average assets | 2.3331% | 5,329 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0760% | 1,946 |
| Return on assets (ROA) | 1.0760% | 2,054 |
| Pretax return on assets | 1.6140% | 1,275 |
| Return on Equity (ROE) | 9.4900% | 2,273 |
| Retained earnings to average equity (ytd only) | 7.6053% | 1,896 |
| Net charge-offs to loans | 0.1526% | 2,485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 15.2857% | 1,410 |
| Efficiency ratio | 57.0701% | 5,952 |
| Assets per employee ($millions) | 6.1367% | 1,174 |
| Cash dividends to net income (ytd only)* | 19.8598% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8634% | 2,407 |
| Loan loss allowance to noncurrent loans | 242.6714% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 1.1288% | 3,682 |
| Noncurrent loans to loans | 0.7679% | 4,591 |
| Net loans and leases to total assets | 67.7647% | 2,059 |
| Net loans and leases to deposits | 77.0369% | 2,480 |
| Net loans and leases to core deposits | 84.5033% | 2,262 |
| Total domestic deposits to total assets | 87.9640% | 2,339 |
| Equity capital to assets | 11.4067% | 2,513 |
| Core capital (leverage) ratio | 10.5369% | 2,725 |
| Tier 1 risk-based capital ratio | 15.3062% | 3,652 |
| Total risk-based capital ratio | 16.5640% | 3,603 |
| Memoranda: | ||
| Average total assets | $159,104,500 | 3,665 |
| Average earning assets | $147,531,000 | 3,633 |
| Average equity | $18,040,000 | 3,520 |
| Average total loans | $110,106,500 | 3,286 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0518% | 1,426 |
| Cost of funding earning assets | 1.0094% | 1,308 |
| Net interest margin | 4.0424% | 2,229 |
| Noninterest income to average assets | 0.4030% | 4,586 |
| Noninterest expense to average assets | 2.5744% | 4,845 |
| Loan and lease loss provision to assets | 0.0482% | 5,220 |
| Net operating income to assets | 0.9485% | 2,557 |
| Return on assets (ROA) | 0.9485% | 2,809 |
| Pretax return on assets | 1.4700% | 1,780 |
| Return on Equity (ROE) | 8.7136% | 2,782 |
| Retained earnings to average equity (ytd only) | 7.8405% | 1,176 |
| Net charge-offs to loans | 0.1763% | 3,964 |
| Credit loss provision to net charge-offs | 38.9744% | 4,951 |
| Earnings coverage of net charge-offs (x) | 12.2872% | 1,945 |
| Efficiency ratio | 60.9227% | 5,398 |
| Assets per employee ($millions) | 6.1021% | 1,219 |
| Cash dividends to net income (ytd only)* | 10.0200% | 4,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9039% | 2,282 |
| Loan loss allowance to noncurrent loans | 176.0504% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 1.8556% | 2,629 |
| Noncurrent loans to loans | 1.0814% | 4,043 |
| Net loans and leases to total assets | 68.0367% | 2,175 |
| Net loans and leases to deposits | 77.0680% | 2,645 |
| Net loans and leases to core deposits | 84.5531% | 2,484 |
| Total domestic deposits to total assets | 88.2814% | 2,038 |
| Equity capital to assets | 11.2698% | 2,662 |
| Core capital (leverage) ratio | 10.1894% | 3,156 |
| Tier 1 risk-based capital ratio | 15.1077% | 3,667 |
| Total risk-based capital ratio | 16.3669% | 3,605 |
| Memoranda: | ||
| Average total assets | $157,822,200 | 3,655 |
| Average earning assets | $144,048,200 | 3,662 |
| Average equity | $17,180,000 | 3,590 |
| Average total loans | $110,613,200 | 3,289 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0396% | 1,580 |
| Cost of funding earning assets | 1.0440% | 1,314 |
| Net interest margin | 3.9957% | 2,514 |
| Noninterest income to average assets | 0.3950% | 4,675 |
| Noninterest expense to average assets | 2.5775% | 4,814 |
| Loan and lease loss provision to assets | 0.0601% | 4,970 |
| Net operating income to assets | 0.9153% | 2,905 |
| Return on assets (ROA) | 0.9153% | 3,129 |
| Pretax return on assets | 1.3966% | 2,250 |
| Return on Equity (ROE) | 8.4836% | 3,052 |
| Retained earnings to average equity (ytd only) | 7.8955% | 1,660 |
| Net charge-offs to loans | 0.1505% | 3,904 |
| Credit loss provision to net charge-offs | 56.8000% | 4,243 |
| Earnings coverage of net charge-offs (x) | 13.7762% | 1,886 |
| Efficiency ratio | 61.8788% | 5,166 |
| Assets per employee ($millions) | 6.1666% | 1,143 |
| Cash dividends to net income (ytd only)* | 6.9318% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9007% | 2,473 |
| Loan loss allowance to noncurrent loans | 510.6383% | 752 |
| Noncurrent assets plus other real estate owned to assets | 1.8811% | 2,814 |
| Noncurrent loans to loans | 0.3722% | 5,733 |
| Net loans and leases to total assets | 69.5324% | 2,006 |
| Net loans and leases to deposits | 78.5400% | 2,592 |
| Net loans and leases to core deposits | 86.2310% | 2,429 |
| Total domestic deposits to total assets | 88.5312% | 1,705 |
| Equity capital to assets | 10.9536% | 3,325 |
| Core capital (leverage) ratio | 9.9246% | 3,658 |
| Tier 1 risk-based capital ratio | 14.1576% | 4,411 |
| Total risk-based capital ratio | 15.4164% | 4,369 |
| Memoranda: | ||
| Average total assets | $157,614,250 | 3,693 |
| Average earning assets | $143,552,500 | 3,702 |
| Average equity | $17,005,000 | 3,654 |
| Average total loans | $110,757,000 | 3,312 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1214% | 1,449 |
| Cost of funding earning assets | 1.0861% | 1,281 |
| Net interest margin | 4.0353% | 2,361 |
| Noninterest income to average assets | 0.3165% | 5,289 |
| Noninterest expense to average assets | 2.5308% | 5,037 |
| Loan and lease loss provision to assets | 0.0906% | 4,438 |
| Net operating income to assets | 0.9010% | 2,901 |
| Return on assets (ROA) | 0.9010% | 3,172 |
| Pretax return on assets | 1.3605% | 2,349 |
| Return on Equity (ROE) | 8.3951% | 3,072 |
| Retained earnings to average equity (ytd only) | 7.5033% | 1,869 |
| Net charge-offs to loans | 0.1676% | 3,598 |
| Credit loss provision to net charge-offs | 77.1739% | 3,399 |
| Earnings coverage of net charge-offs (x) | 12.3587% | 1,883 |
| Efficiency ratio | 61.5064% | 5,331 |
| Assets per employee ($millions) | 6.1913% | 1,118 |
| Cash dividends to net income (ytd only)* | 10.6232% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9679% | 2,320 |
| Loan loss allowance to noncurrent loans | 325.8544% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 2.1233% | 2,636 |
| Noncurrent loans to loans | 0.6039% | 5,307 |
| Net loans and leases to total assets | 67.8652% | 2,306 |
| Net loans and leases to deposits | 76.3851% | 2,931 |
| Net loans and leases to core deposits | 83.0718% | 2,818 |
| Total domestic deposits to total assets | 88.8461% | 1,608 |
| Equity capital to assets | 10.6588% | 3,502 |
| Core capital (leverage) ratio | 9.8747% | 3,616 |
| Tier 1 risk-based capital ratio | 13.5267% | 4,802 |
| Total risk-based capital ratio | 14.7855% | 4,758 |
| Memoranda: | ||
| Average total assets | $156,708,670 | 3,727 |
| Average earning assets | $142,343,000 | 3,748 |
| Average equity | $16,819,330 | 3,676 |
| Average total loans | $109,795,330 | 3,339 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1570% | 1,408 |
| Cost of funding earning assets | 1.1232% | 1,283 |
| Net interest margin | 4.0338% | 2,358 |
| Noninterest income to average assets | 0.3493% | 5,064 |
| Noninterest expense to average assets | 2.4765% | 5,228 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0506% | 2,284 |
| Return on assets (ROA) | 1.0506% | 2,474 |
| Pretax return on assets | 1.5345% | 1,787 |
| Return on Equity (ROE) | 9.7538% | 2,491 |
| Retained earnings to average equity (ytd only) | 7.9520% | 2,000 |
| Net charge-offs to loans | 0.0624% | 3,872 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 34.8824% | 829 |
| Efficiency ratio | 59.6774% | 5,672 |
| Assets per employee ($millions) | 6.0698% | 1,239 |
| Cash dividends to net income (ytd only)* | 18.4729% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0300% | 2,268 |
| Loan loss allowance to noncurrent loans | 205.1354% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 2.5948% | 2,280 |
| Noncurrent loans to loans | 0.9896% | 4,694 |
| Net loans and leases to total assets | 67.1844% | 2,260 |
| Net loans and leases to deposits | 75.5878% | 2,865 |
| Net loans and leases to core deposits | 82.3389% | 2,777 |
| Total domestic deposits to total assets | 88.8826% | 1,772 |
| Equity capital to assets | 10.6580% | 3,311 |
| Core capital (leverage) ratio | 9.8964% | 3,501 |
| Tier 1 risk-based capital ratio | 13.4926% | 4,831 |
| Total risk-based capital ratio | 14.7518% | 4,810 |
| Memoranda: | ||
| Average total assets | $154,575,500 | 3,793 |
| Average earning assets | $140,313,500 | 3,808 |
| Average equity | $16,650,000 | 3,704 |
| Average total loans | $108,973,500 | 3,379 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6145% | 926 |
| Cost of funding earning assets | 1.2857% | 1,549 |
| Net interest margin | 4.3288% | 1,610 |
| Noninterest income to average assets | 0.3268% | 5,205 |
| Noninterest expense to average assets | 2.5822% | 5,162 |
| Loan and lease loss provision to assets | 0.5506% | 1,894 |
| Net operating income to assets | 0.7580% | 3,224 |
| Return on assets (ROA) | 0.7584% | 3,386 |
| Pretax return on assets | 1.0945% | 2,858 |
| Return on Equity (ROE) | 7.2560% | 3,276 |
| Retained earnings to average equity (ytd only) | 5.6485% | 2,209 |
| Net charge-offs to loans | 0.8325% | 2,086 |
| Credit loss provision to net charge-offs | 88.8532% | 4,061 |
| Earnings coverage of net charge-offs (x) | 2.6538% | 3,885 |
| Efficiency ratio | 59.0823% | 5,890 |
| Assets per employee ($millions) | 5.8206% | 1,354 |
| Cash dividends to net income (ytd only)* | 22.1541% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0178% | 2,219 |
| Loan loss allowance to noncurrent loans | 148.3914% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 2.4634% | 2,473 |
| Noncurrent loans to loans | 1.3598% | 4,105 |
| Net loans and leases to total assets | 71.0399% | 1,815 |
| Net loans and leases to deposits | 80.1307% | 2,499 |
| Net loans and leases to core deposits | 87.5017% | 2,429 |
| Total domestic deposits to total assets | 88.6550% | 1,748 |
| Equity capital to assets | 10.8897% | 3,087 |
| Core capital (leverage) ratio | 9.8165% | 3,569 |
| Tier 1 risk-based capital ratio | 13.1298% | 4,970 |
| Total risk-based capital ratio | 14.3884% | 4,939 |
| Memoranda: | ||
| Average total assets | $150,571,400 | 3,787 |
| Average earning assets | $135,649,200 | 3,826 |
| Average equity | $15,738,800 | 3,763 |
| Average total loans | $112,078,400 | 3,330 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6717% | 895 |
| Cost of funding earning assets | 1.3167% | 1,607 |
| Net interest margin | 4.3549% | 1,550 |
| Noninterest income to average assets | 0.3671% | 4,935 |
| Noninterest expense to average assets | 2.7015% | 4,719 |
| Loan and lease loss provision to assets | 0.7350% | 1,301 |
| Net operating income to assets | 0.5881% | 4,140 |
| Return on assets (ROA) | 0.5887% | 4,317 |
| Pretax return on assets | 0.8520% | 3,941 |
| Return on Equity (ROE) | 5.6920% | 4,184 |
| Retained earnings to average equity (ytd only) | 3.5233% | 4,233 |
| Net charge-offs to loans | 1.1124% | 1,427 |
| Credit loss provision to net charge-offs | 88.1915% | 3,840 |
| Earnings coverage of net charge-offs (x) | 1.9032% | 4,233 |
| Efficiency ratio | 61.0215% | 5,560 |
| Assets per employee ($millions) | 5.7584% | 1,391 |
| Cash dividends to net income (ytd only)* | 38.1019% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9827% | 2,385 |
| Loan loss allowance to noncurrent loans | 140.9962% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 3.0871% | 2,073 |
| Noncurrent loans to loans | 1.4062% | 4,185 |
| Net loans and leases to total assets | 72.9052% | 1,529 |
| Net loans and leases to deposits | 82.1354% | 2,333 |
| Net loans and leases to core deposits | 89.7507% | 2,286 |
| Total domestic deposits to total assets | 88.7623% | 1,573 |
| Equity capital to assets | 10.6787% | 3,486 |
| Core capital (leverage) ratio | 9.4966% | 4,148 |
| Tier 1 risk-based capital ratio | 12.5613% | 5,444 |
| Total risk-based capital ratio | 13.8128% | 5,429 |
| Memoranda: | ||
| Average total assets | $150,380,250 | 3,817 |
| Average earning assets | $135,383,250 | 3,850 |
| Average equity | $15,553,500 | 3,815 |
| Average total loans | $112,667,250 | 3,362 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5866% | 1,092 |
| Cost of funding earning assets | 1.3152% | 1,852 |
| Net interest margin | 4.2715% | 1,760 |
| Noninterest income to average assets | 0.4223% | 4,494 |
| Noninterest expense to average assets | 2.8619% | 4,176 |
| Loan and lease loss provision to assets | 0.9827% | 887 |
| Net operating income to assets | 0.3310% | 5,243 |
| Return on assets (ROA) | 0.3320% | 5,379 |
| Pretax return on assets | 0.4608% | 5,191 |
| Return on Equity (ROE) | 3.2449% | 5,283 |
| Retained earnings to average equity (ytd only) | 0.9475% | 5,490 |
| Net charge-offs to loans | 1.1123% | 1,416 |
| Credit loss provision to net charge-offs | 117.6471% | 2,610 |
| Earnings coverage of net charge-offs (x) | 1.7266% | 4,007 |
| Efficiency ratio | 64.5171% | 5,144 |
| Assets per employee ($millions) | 5.8753% | 1,250 |
| Cash dividends to net income (ytd only)* | 70.8000% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1766% | 1,967 |
| Loan loss allowance to noncurrent loans | 161.2882% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 1.9226% | 3,345 |
| Noncurrent loans to loans | 1.3495% | 4,401 |
| Net loans and leases to total assets | 74.3216% | 1,358 |
| Net loans and leases to deposits | 83.6424% | 2,162 |
| Net loans and leases to core deposits | 92.5017% | 2,073 |
| Total domestic deposits to total assets | 88.8564% | 1,629 |
| Equity capital to assets | 10.5813% | 3,403 |
| Core capital (leverage) ratio | 9.3883% | 4,131 |
| Tier 1 risk-based capital ratio | 12.2266% | 5,581 |
| Total risk-based capital ratio | 13.4741% | 5,566 |
| Memoranda: | ||
| Average total assets | $150,600,670 | 3,836 |
| Average earning assets | $136,862,000 | 3,839 |
| Average equity | $15,408,670 | 3,837 |
| Average total loans | $113,102,670 | 3,382 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4950% | 1,316 |
| Cost of funding earning assets | 1.3369% | 1,965 |
| Net interest margin | 4.1582% | 2,045 |
| Noninterest income to average assets | 0.3752% | 4,911 |
| Noninterest expense to average assets | 2.6210% | 5,151 |
| Loan and lease loss provision to assets | 1.1334% | 637 |
| Net operating income to assets | 0.3101% | 5,357 |
| Return on assets (ROA) | 0.3122% | 5,419 |
| Pretax return on assets | 0.3935% | 5,363 |
| Return on Equity (ROE) | 3.1026% | 5,318 |
| Retained earnings to average equity (ytd only) | 0.2346% | 5,721 |
| Net charge-offs to loans | 1.5142% | 896 |
| Credit loss provision to net charge-offs | 100.2320% | 2,639 |
| Earnings coverage of net charge-offs (x) | 1.3480% | 3,673 |
| Efficiency ratio | 61.2025% | 5,806 |
| Assets per employee ($millions) | 5.2629% | 1,809 |
| Cash dividends to net income (ytd only)* | 92.4370% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0648% | 2,261 |
| Loan loss allowance to noncurrent loans | 128.0508% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 2.1032% | 3,189 |
| Noncurrent loans to loans | 1.6125% | 4,064 |
| Net loans and leases to total assets | 72.0678% | 1,711 |
| Net loans and leases to deposits | 83.0072% | 2,185 |
| Net loans and leases to core deposits | 92.1530% | 2,112 |
| Total domestic deposits to total assets | 86.8211% | 3,037 |
| Equity capital to assets | 10.0738% | 3,678 |
| Core capital (leverage) ratio | 9.1929% | 4,300 |
| Tier 1 risk-based capital ratio | 11.9841% | 5,705 |
| Total risk-based capital ratio | 13.2306% | 5,694 |
| Memoranda: | ||
| Average total assets | $152,460,000 | 3,838 |
| Average earning assets | $138,234,500 | 3,852 |
| Average equity | $15,342,000 | 3,840 |
| Average total loans | $113,857,000 | 3,390 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9343% | 975 |
| Cost of funding earning assets | 1.5921% | 2,114 |
| Net interest margin | 4.3422% | 1,676 |
| Noninterest income to average assets | 0.3714% | 5,124 |
| Noninterest expense to average assets | 2.6959% | 5,007 |
| Loan and lease loss provision to assets | 1.8527% | 738 |
| Net operating income to assets | -0.0359% | 5,906 |
| Return on assets (ROA) | -0.0603% | 6,020 |
| Pretax return on assets | -0.2444% | 6,117 |
| Return on Equity (ROE) | -0.6105% | 6,029 |
| Retained earnings to average equity (ytd only) | -1.1566% | 5,829 |
| Net charge-offs to loans | 2.0312% | 992 |
| Credit loss provision to net charge-offs | 118.0898% | 3,611 |
| Earnings coverage of net charge-offs (x) | 1.0494% | 5,061 |
| Efficiency ratio | 60.8276% | 5,922 |
| Assets per employee ($millions) | 5.2516% | 1,801 |
| Cash dividends to net income (ytd only)* | -89.4737% | 7,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0086% | 2,275 |
| Loan loss allowance to noncurrent loans | 86.2672% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 2.1891% | 3,112 |
| Noncurrent loans to loans | 2.3284% | 3,192 |
| Net loans and leases to total assets | 74.2529% | 1,607 |
| Net loans and leases to deposits | 85.4704% | 2,191 |
| Net loans and leases to core deposits | 95.8933% | 2,028 |
| Total domestic deposits to total assets | 86.8756% | 2,893 |
| Equity capital to assets | 10.0521% | 3,683 |
| Core capital (leverage) ratio | 8.6992% | 5,024 |
| Tier 1 risk-based capital ratio | 11.9947% | 5,478 |
| Total risk-based capital ratio | 13.2416% | 5,461 |
| Memoranda: | ||
| Average total assets | $157,496,600 | 3,748 |
| Average earning assets | $144,027,600 | 3,740 |
| Average equity | $15,562,200 | 3,850 |
| Average total loans | $121,652,000 | 3,284 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8932% | 1,151 |
| Cost of funding earning assets | 1.6278% | 2,234 |
| Net interest margin | 4.2654% | 1,971 |
| Noninterest income to average assets | 0.3585% | 5,300 |
| Noninterest expense to average assets | 2.4257% | 5,953 |
| Loan and lease loss provision to assets | 1.9966% | 596 |
| Net operating income to assets | -0.2527% | 6,383 |
| Return on assets (ROA) | -0.3031% | 6,474 |
| Pretax return on assets | -0.2091% | 6,327 |
| Return on Equity (ROE) | -3.0803% | 6,497 |
| Retained earnings to average equity (ytd only) | -3.8056% | 6,439 |
| Net charge-offs to loans | 2.6436% | 620 |
| Credit loss provision to net charge-offs | 97.3393% | 4,457 |
| Earnings coverage of net charge-offs (x) | 0.8960% | 5,159 |
| Efficiency ratio | 55.6124% | 6,612 |
| Assets per employee ($millions) | 5.6195% | 1,519 |
| Cash dividends to net income (ytd only)* | -23.5457% | 7,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 4,126 |
| Loan loss allowance to noncurrent loans | 59.4666% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 2.4812% | 2,891 |
| Noncurrent loans to loans | 2.4645% | 3,161 |
| Net loans and leases to total assets | 77.1693% | 1,184 |
| Net loans and leases to deposits | 91.0879% | 1,562 |
| Net loans and leases to core deposits | 102.5186% | 1,600 |
| Total domestic deposits to total assets | 84.7196% | 3,766 |
| Equity capital to assets | 9.6717% | 4,581 |
| Core capital (leverage) ratio | 8.4493% | 5,605 |
| Tier 1 risk-based capital ratio | 11.0215% | 6,359 |
| Total risk-based capital ratio | 12.3563% | 6,275 |
| Memoranda: | ||
| Average total assets | $158,796,500 | 3,780 |
| Average earning assets | $145,384,250 | 3,759 |
| Average equity | $15,625,500 | 3,872 |
| Average total loans | $123,214,250 | 3,302 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9096% | 1,161 |
| Cost of funding earning assets | 1.6664% | 2,309 |
| Net interest margin | 4.2433% | 1,998 |
| Noninterest income to average assets | 0.3365% | 5,460 |
| Noninterest expense to average assets | 2.3518% | 6,213 |
| Loan and lease loss provision to assets | 1.1489% | 1,250 |
| Net operating income to assets | 0.4257% | 4,633 |
| Return on assets (ROA) | 0.4257% | 4,795 |
| Pretax return on assets | 0.7270% | 4,150 |
| Return on Equity (ROE) | 4.3017% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.3017% | 3,342 |
| Net charge-offs to loans | 1.6362% | 1,157 |
| Credit loss provision to net charge-offs | 90.7738% | 4,403 |
| Earnings coverage of net charge-offs (x) | 1.4821% | 4,375 |
| Efficiency ratio | 54.3511% | 6,839 |
| Assets per employee ($millions) | 5.6031% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 4,204 |
| Loan loss allowance to noncurrent loans | 51.6710% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 2.8288% | 2,550 |
| Noncurrent loans to loans | 2.7960% | 2,857 |
| Net loans and leases to total assets | 77.3112% | 1,232 |
| Net loans and leases to deposits | 90.3714% | 1,797 |
| Net loans and leases to core deposits | 103.0194% | 1,731 |
| Total domestic deposits to total assets | 85.5483% | 3,344 |
| Equity capital to assets | 10.1314% | 3,854 |
| Core capital (leverage) ratio | 9.0412% | 4,544 |
| Tier 1 risk-based capital ratio | 10.8832% | 6,371 |
| Total risk-based capital ratio | 12.1241% | 6,366 |
| Memoranda: | ||
| Average total assets | $159,280,330 | 3,802 |
| Average earning assets | $146,067,000 | 3,780 |
| Average equity | $15,761,330 | 3,842 |
| Average total loans | $123,209,670 | 3,341 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7944% | 1,479 |
| Cost of funding earning assets | 1.7076% | 2,353 |
| Net interest margin | 4.0868% | 2,499 |
| Noninterest income to average assets | 0.3041% | 5,715 |
| Noninterest expense to average assets | 2.2084% | 6,665 |
| Loan and lease loss provision to assets | 1.1217% | 1,089 |
| Net operating income to assets | 0.2293% | 5,577 |
| Return on assets (ROA) | 0.2293% | 5,697 |
| Pretax return on assets | 0.7204% | 4,163 |
| Return on Equity (ROE) | 2.3448% | 5,614 |
| Retained earnings to average equity (ytd only) | 2.3448% | 4,734 |
| Net charge-offs to loans | 0.5905% | 2,328 |
| Credit loss provision to net charge-offs | 247.2527% | 1,564 |
| Earnings coverage of net charge-offs (x) | 4.0604% | 2,713 |
| Efficiency ratio | 53.1692% | 7,046 |
| Assets per employee ($millions) | 5.7006% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7352% | 2,944 |
| Loan loss allowance to noncurrent loans | 37.7249% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 3.9732% | 1,731 |
| Noncurrent loans to loans | 4.5997% | 1,618 |
| Net loans and leases to total assets | 75.8868% | 1,567 |
| Net loans and leases to deposits | 90.9807% | 1,765 |
| Net loans and leases to core deposits | 102.4572% | 1,857 |
| Total domestic deposits to total assets | 83.4098% | 4,421 |
| Equity capital to assets | 9.8617% | 4,042 |
| Core capital (leverage) ratio | 8.7773% | 4,892 |
| Tier 1 risk-based capital ratio | 10.6584% | 6,481 |
| Total risk-based capital ratio | 11.9028% | 6,479 |
| Memoranda: | ||
| Average total assets | $160,476,500 | 3,838 |
| Average earning assets | $147,108,000 | 3,815 |
| Average equity | $15,694,500 | 3,886 |
| Average total loans | $123,279,500 | 3,399 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1044% | 1,504 |
| Cost of funding earning assets | 2.2502% | 1,838 |
| Net interest margin | 3.8541% | 3,467 |
| Noninterest income to average assets | 0.3591% | 5,523 |
| Noninterest expense to average assets | 2.2717% | 6,821 |
| Loan and lease loss provision to assets | 1.1610% | 1,970 |
| Net operating income to assets | 0.3482% | 4,328 |
| Return on assets (ROA) | 0.3482% | 4,425 |
| Pretax return on assets | 0.4724% | 4,273 |
| Return on Equity (ROE) | 3.4815% | 4,295 |
| Retained earnings to average equity (ytd only) | 1.9370% | 3,741 |
| Net charge-offs to loans | 1.3393% | 1,863 |
| Credit loss provision to net charge-offs | 110.0671% | 5,002 |
| Earnings coverage of net charge-offs (x) | 1.5485% | 4,585 |
| Efficiency ratio | 56.7568% | 6,921 |
| Assets per employee ($millions) | 5.7620% | 1,411 |
| Cash dividends to net income (ytd only)* | 44.3623% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 3,634 |
| Loan loss allowance to noncurrent loans | 33.4765% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 3.9136% | 1,694 |
| Noncurrent loans to loans | 4.5332% | 1,566 |
| Net loans and leases to total assets | 75.2596% | 1,979 |
| Net loans and leases to deposits | 89.9981% | 2,218 |
| Net loans and leases to core deposits | 119.8748% | 1,957 |
| Total domestic deposits to total assets | 83.6235% | 4,221 |
| Equity capital to assets | 9.6991% | 4,146 |
| Core capital (leverage) ratio | 8.6699% | 4,977 |
| Tier 1 risk-based capital ratio | 10.5534% | 6,338 |
| Total risk-based capital ratio | 11.7958% | 6,332 |
| Memoranda: | ||
| Average total assets | $155,387,400 | 3,873 |
| Average earning assets | $142,963,200 | 3,838 |
| Average equity | $15,539,400 | 3,961 |
| Average total loans | $122,377,400 | 3,429 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0449% | 1,860 |
| Cost of funding earning assets | 2.3896% | 1,668 |
| Net interest margin | 3.6553% | 4,254 |
| Noninterest income to average assets | 0.3517% | 5,676 |
| Noninterest expense to average assets | 2.2118% | 6,942 |
| Loan and lease loss provision to assets | 1.4762% | 1,299 |
| Net operating income to assets | 0.0338% | 5,641 |
| Return on assets (ROA) | 0.0338% | 5,689 |
| Pretax return on assets | 0.0338% | 5,642 |
| Return on Equity (ROE) | 0.3352% | 5,678 |
| Retained earnings to average equity (ytd only) | -0.9541% | 5,481 |
| Net charge-offs to loans | 1.6329% | 1,245 |
| Credit loss provision to net charge-offs | 113.9037% | 4,461 |
| Earnings coverage of net charge-offs (x) | 1.1651% | 4,899 |
| Efficiency ratio | 57.9143% | 6,725 |
| Assets per employee ($millions) | 6.7111% | 891 |
| Cash dividends to net income (ytd only)* | 384.6154% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5656% | 3,142 |
| Loan loss allowance to noncurrent loans | 30.9508% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 4.3866% | 1,403 |
| Noncurrent loans to loans | 5.0583% | 1,289 |
| Net loans and leases to total assets | 77.9638% | 1,580 |
| Net loans and leases to deposits | 94.7656% | 1,754 |
| Net loans and leases to core deposits | 127.9516% | 1,582 |
| Total domestic deposits to total assets | 82.2701% | 4,560 |
| Equity capital to assets | 9.9219% | 4,189 |
| Core capital (leverage) ratio | 8.5841% | 5,323 |
| Tier 1 risk-based capital ratio | 10.5442% | 6,424 |
| Total risk-based capital ratio | 11.7975% | 6,379 |
| Memoranda: | ||
| Average total assets | $153,900,500 | 3,913 |
| Average earning assets | $141,890,500 | 3,890 |
| Average equity | $15,512,250 | 4,002 |
| Average total loans | $122,149,000 | 3,469 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2322% | 1,380 |
| Cost of funding earning assets | 2.5371% | 1,487 |
| Net interest margin | 3.6951% | 3,965 |
| Noninterest income to average assets | 0.3200% | 5,951 |
| Noninterest expense to average assets | 1.9512% | 7,551 |
| Loan and lease loss provision to assets | 0.2927% | 4,225 |
| Net operating income to assets | 1.0185% | 2,042 |
| Return on assets (ROA) | 1.0185% | 2,132 |
| Pretax return on assets | 1.4881% | 1,479 |
| Return on Equity (ROE) | 10.0526% | 2,002 |
| Retained earnings to average equity (ytd only) | 8.1268% | 1,168 |
| Net charge-offs to loans | 0.2948% | 3,712 |
| Credit loss provision to net charge-offs | 125.0000% | 3,710 |
| Earnings coverage of net charge-offs (x) | 7.6056% | 2,420 |
| Efficiency ratio | 50.7842% | 7,609 |
| Assets per employee ($millions) | 6.7439% | 870 |
| Cash dividends to net income (ytd only)* | 19.1571% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 3,570 |
| Loan loss allowance to noncurrent loans | 34.1992% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 3.4363% | 1,817 |
| Noncurrent loans to loans | 4.1827% | 1,590 |
| Net loans and leases to total assets | 77.7887% | 1,799 |
| Net loans and leases to deposits | 94.1714% | 2,064 |
| Net loans and leases to core deposits | 128.1700% | 1,701 |
| Total domestic deposits to total assets | 82.6033% | 4,423 |
| Equity capital to assets | 10.2734% | 3,640 |
| Core capital (leverage) ratio | 9.0886% | 4,486 |
| Tier 1 risk-based capital ratio | 11.1268% | 5,745 |
| Total risk-based capital ratio | 12.3392% | 5,707 |
| Memoranda: | ||
| Average total assets | $153,749,000 | 3,940 |
| Average earning assets | $141,972,330 | 3,904 |
| Average equity | $15,578,000 | 4,001 |
| Average total loans | $122,113,670 | 3,487 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2071% | 1,576 |
| Cost of funding earning assets | 2.6671% | 1,355 |
| Net interest margin | 3.5400% | 4,567 |
| Noninterest income to average assets | 0.3293% | 5,811 |
| Noninterest expense to average assets | 1.8475% | 7,637 |
| Loan and lease loss provision to assets | 0.1960% | 4,478 |
| Net operating income to assets | 0.9982% | 2,319 |
| Return on assets (ROA) | 0.9982% | 2,454 |
| Pretax return on assets | 1.5496% | 1,535 |
| Return on Equity (ROE) | 9.9224% | 2,350 |
| Retained earnings to average equity (ytd only) | 6.0262% | 2,613 |
| Net charge-offs to loans | 0.0033% | 5,682 |
| Credit loss provision to net charge-offs | 7,500.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 668.0000% | 29 |
| Efficiency ratio | 49.8182% | 7,604 |
| Assets per employee ($millions) | 6.4277% | 997 |
| Cash dividends to net income (ytd only)* | 39.2670% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 3,224 |
| Loan loss allowance to noncurrent loans | 45.3503% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 2.6221% | 2,189 |
| Noncurrent loans to loans | 3.1996% | 2,022 |
| Net loans and leases to total assets | 78.3652% | 1,729 |
| Net loans and leases to deposits | 96.4250% | 1,882 |
| Net loans and leases to core deposits | 132.1058% | 1,533 |
| Total domestic deposits to total assets | 81.2705% | 4,850 |
| Equity capital to assets | 10.0768% | 3,906 |
| Core capital (leverage) ratio | 8.9966% | 4,719 |
| Tier 1 risk-based capital ratio | 10.8469% | 6,045 |
| Total risk-based capital ratio | 12.0987% | 5,946 |
| Memoranda: | ||
| Average total assets | $153,068,500 | 3,960 |
| Average earning assets | $141,129,000 | 3,929 |
| Average equity | $15,399,500 | 4,062 |
| Average total loans | $121,966,000 | 3,515 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6746% | 2,132 |
| Cost of funding earning assets | 3.2425% | 1,060 |
| Net interest margin | 3.4321% | 5,538 |
| Noninterest income to average assets | 0.5399% | 4,320 |
| Noninterest expense to average assets | 1.8887% | 7,633 |
| Loan and lease loss provision to assets | 0.7584% | 1,970 |
| Net operating income to assets | 0.7826% | 3,514 |
| Return on assets (ROA) | 0.7826% | 3,357 |
| Pretax return on assets | 1.0805% | 3,096 |
| Return on Equity (ROE) | 7.7307% | 3,185 |
| Retained earnings to average equity (ytd only) | 3.0152% | 3,296 |
| Net charge-offs to loans | 0.3111% | 3,311 |
| Credit loss provision to net charge-offs | 311.6022% | 1,446 |
| Earnings coverage of net charge-offs (x) | 7.5552% | 3,080 |
| Efficiency ratio | 49.1162% | 7,725 |
| Assets per employee ($millions) | 6.6031% | 848 |
| Cash dividends to net income (ytd only)* | 60.9966% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 3,156 |
| Loan loss allowance to noncurrent loans | 62.1267% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 1.8608% | 2,654 |
| Noncurrent loans to loans | 2.2645% | 2,436 |
| Net loans and leases to total assets | 78.7216% | 1,954 |
| Net loans and leases to deposits | 97.1763% | 2,257 |
| Net loans and leases to core deposits | 134.0750% | 1,593 |
| Total domestic deposits to total assets | 81.0090% | 4,633 |
| Equity capital to assets | 10.0440% | 3,982 |
| Core capital (leverage) ratio | 8.9844% | 4,766 |
| Tier 1 risk-based capital ratio | 10.8897% | 5,817 |
| Total risk-based capital ratio | 12.1418% | 5,737 |
| Memoranda: | ||
| Average total assets | $148,729,400 | 3,925 |
| Average earning assets | $138,135,400 | 3,888 |
| Average equity | $15,056,800 | 4,128 |
| Average total loans | $116,368,200 | 3,537 |