Home > Old Line Bank > Performance and Condition Ratios
Old Line Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5761% | 2,806 |
| Cost of funding earning assets | 1.0565% | 1,514 |
| Net interest margin | 3.5197% | 3,505 |
| Noninterest income to average assets | 0.3914% | 3,373 |
| Noninterest expense to average assets | 1.8463% | 4,767 |
| Loan and lease loss provision to assets | 0.0413% | 3,077 |
| Net operating income to assets | 1.2500% | 2,018 |
| Return on assets (ROA) | 1.2694% | 2,030 |
| Pretax return on assets | 1.6933% | 1,353 |
| Return on Equity (ROE) | 9.2849% | 2,765 |
| Retained earnings to average equity (ytd only) | 7.3234% | 1,704 |
| Net charge-offs to loans | 0.0225% | 2,653 |
| Credit loss provision to net charge-offs | 228.3293% | 1,180 |
| Earnings coverage of net charge-offs (x) | 94.6373% | 780 |
| Efficiency ratio | 49.5011% | 4,770 |
| Assets per employee ($millions) | 8.5744% | 560 |
| Cash dividends to net income (ytd only)* | 21.1258% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3195% | 5,109 |
| Loan loss allowance to noncurrent loans | 94.5409% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 3,309 |
| Noncurrent loans to loans | 0.3379% | 3,327 |
| Net loans and leases to total assets | 80.6516% | 753 |
| Net loans and leases to deposits | 103.2889% | 441 |
| Net loans and leases to core deposits | 115.7248% | 670 |
| Total domestic deposits to total assets | 78.0835% | 4,327 |
| Equity capital to assets | 13.7944% | 1,237 |
| Core capital (leverage) ratio | 10.7378% | 2,899 |
| Tier 1 risk-based capital ratio | 11.6777% | 4,576 |
| Total risk-based capital ratio | 11.9799% | 4,921 |
| Memoranda: | ||
| Average total assets | $3,047,315,000 | 317 |
| Average earning assets | $2,740,258,500 | 315 |
| Average equity | $416,609,000 | 281 |
| Average total loans | $2,452,779,500 | 291 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5969% | 2,688 |
| Cost of funding earning assets | 1.0673% | 1,427 |
| Net interest margin | 3.5296% | 3,504 |
| Noninterest income to average assets | 0.3703% | 3,464 |
| Noninterest expense to average assets | 1.8409% | 4,825 |
| Loan and lease loss provision to assets | 0.0321% | 3,189 |
| Net operating income to assets | 1.2539% | 1,943 |
| Return on assets (ROA) | 1.2548% | 1,995 |
| Pretax return on assets | 1.6733% | 1,330 |
| Return on Equity (ROE) | 9.2063% | 2,775 |
| Retained earnings to average equity (ytd only) | 7.2274% | 1,713 |
| Net charge-offs to loans | 0.0056% | 2,953 |
| Credit loss provision to net charge-offs | 716.1765% | 461 |
| Earnings coverage of net charge-offs (x) | 379.8824% | 208 |
| Efficiency ratio | 49.4919% | 4,809 |
| Assets per employee ($millions) | 8.2423% | 614 |
| Cash dividends to net income (ytd only)* | 21.4954% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3229% | 5,158 |
| Loan loss allowance to noncurrent loans | 101.1668% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 3,427 |
| Noncurrent loans to loans | 0.3191% | 3,387 |
| Net loans and leases to total assets | 79.2317% | 1,007 |
| Net loans and leases to deposits | 102.0775% | 535 |
| Net loans and leases to core deposits | 114.3081% | 766 |
| Total domestic deposits to total assets | 77.6191% | 4,461 |
| Equity capital to assets | 13.7415% | 1,225 |
| Core capital (leverage) ratio | 10.5293% | 3,057 |
| Tier 1 risk-based capital ratio | 11.6935% | 4,578 |
| Total risk-based capital ratio | 11.9948% | 4,934 |
| Memoranda: | ||
| Average total assets | $3,031,300,330 | 317 |
| Average earning assets | $2,726,776,670 | 317 |
| Average equity | $413,150,000 | 283 |
| Average total loans | $2,435,553,670 | 292 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 2,643 |
| Cost of funding earning assets | 1.0266% | 1,460 |
| Net interest margin | 3.5404% | 3,460 |
| Noninterest income to average assets | 0.3376% | 3,602 |
| Noninterest expense to average assets | 1.8114% | 4,908 |
| Loan and lease loss provision to assets | 0.0550% | 2,567 |
| Net operating income to assets | 1.2429% | 1,915 |
| Return on assets (ROA) | 1.2429% | 1,960 |
| Pretax return on assets | 1.6591% | 1,312 |
| Return on Equity (ROE) | 9.1576% | 2,732 |
| Retained earnings to average equity (ytd only) | 7.1522% | 1,982 |
| Net charge-offs to loans | 0.0127% | 2,243 |
| Credit loss provision to net charge-offs | 537.6623% | 585 |
| Earnings coverage of net charge-offs (x) | 167.5065% | 457 |
| Efficiency ratio | 48.8993% | 4,905 |
| Assets per employee ($millions) | 8.5411% | 554 |
| Cash dividends to net income (ytd only)* | 21.8991% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3207% | 5,230 |
| Loan loss allowance to noncurrent loans | 120.5869% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 3,670 |
| Noncurrent loans to loans | 0.2660% | 3,609 |
| Net loans and leases to total assets | 78.9264% | 1,002 |
| Net loans and leases to deposits | 103.8570% | 401 |
| Net loans and leases to core deposits | 115.1854% | 675 |
| Total domestic deposits to total assets | 75.9952% | 4,760 |
| Equity capital to assets | 13.4496% | 1,229 |
| Core capital (leverage) ratio | 10.6154% | 2,928 |
| Tier 1 risk-based capital ratio | 11.3979% | 4,784 |
| Total risk-based capital ratio | 11.6939% | 5,108 |
| Memoranda: | ||
| Average total assets | $3,009,762,000 | 321 |
| Average earning assets | $2,710,224,500 | 324 |
| Average equity | $408,491,500 | 286 |
| Average total loans | $2,431,445,500 | 295 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6849% | 1,878 |
| Cost of funding earning assets | 0.7906% | 1,573 |
| Net interest margin | 3.8944% | 2,344 |
| Noninterest income to average assets | 0.4341% | 3,211 |
| Noninterest expense to average assets | 2.1303% | 4,493 |
| Loan and lease loss provision to assets | 0.0704% | 2,728 |
| Net operating income to assets | 1.3218% | 1,711 |
| Return on assets (ROA) | 1.3218% | 1,703 |
| Pretax return on assets | 1.7601% | 1,026 |
| Return on Equity (ROE) | 10.4030% | 2,344 |
| Retained earnings to average equity (ytd only) | 8.5731% | 1,020 |
| Net charge-offs to loans | 0.0140% | 3,213 |
| Credit loss provision to net charge-offs | 618.3946% | 558 |
| Earnings coverage of net charge-offs (x) | 160.7258% | 534 |
| Efficiency ratio | 51.6887% | 4,819 |
| Assets per employee ($millions) | 8.0375% | 654 |
| Cash dividends to net income (ytd only)* | 17.5898% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3077% | 5,278 |
| Loan loss allowance to noncurrent loans | 152.7187% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 3,844 |
| Noncurrent loans to loans | 0.2015% | 3,862 |
| Net loans and leases to total assets | 82.0678% | 638 |
| Net loans and leases to deposits | 105.3017% | 400 |
| Net loans and leases to core deposits | 129.7483% | 327 |
| Total domestic deposits to total assets | 77.9359% | 4,503 |
| Equity capital to assets | 13.6770% | 1,079 |
| Core capital (leverage) ratio | 10.4610% | 3,074 |
| Tier 1 risk-based capital ratio | 11.2746% | 4,823 |
| Total risk-based capital ratio | 11.5621% | 5,154 |
| Memoranda: | ||
| Average total assets | $2,625,280,800 | 348 |
| Average earning assets | $2,377,491,400 | 348 |
| Average equity | $333,578,200 | 326 |
| Average total loans | $2,138,134,600 | 317 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6422% | 1,869 |
| Cost of funding earning assets | 0.7257% | 1,720 |
| Net interest margin | 3.9165% | 2,234 |
| Noninterest income to average assets | 0.3841% | 3,577 |
| Noninterest expense to average assets | 2.2224% | 4,273 |
| Loan and lease loss provision to assets | 0.0647% | 2,677 |
| Net operating income to assets | 1.2417% | 2,076 |
| Return on assets (ROA) | 1.2417% | 2,083 |
| Pretax return on assets | 1.6481% | 1,423 |
| Return on Equity (ROE) | 9.9936% | 2,625 |
| Retained earnings to average equity (ytd only) | 8.1365% | 1,587 |
| Net charge-offs to loans | 0.0114% | 3,008 |
| Credit loss provision to net charge-offs | 701.7045% | 528 |
| Earnings coverage of net charge-offs (x) | 185.7052% | 463 |
| Efficiency ratio | 54.4539% | 4,566 |
| Assets per employee ($millions) | 8.2534% | 581 |
| Cash dividends to net income (ytd only)* | 18.5828% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2908% | 5,357 |
| Loan loss allowance to noncurrent loans | 99.3312% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 3,532 |
| Noncurrent loans to loans | 0.2927% | 3,631 |
| Net loans and leases to total assets | 81.6875% | 761 |
| Net loans and leases to deposits | 106.7296% | 411 |
| Net loans and leases to core deposits | 127.7363% | 371 |
| Total domestic deposits to total assets | 76.5369% | 4,719 |
| Equity capital to assets | 13.4869% | 1,141 |
| Core capital (leverage) ratio | 10.2184% | 3,383 |
| Tier 1 risk-based capital ratio | 11.0642% | 5,005 |
| Total risk-based capital ratio | 11.3359% | 5,304 |
| Memoranda: | ||
| Average total assets | $2,544,163,750 | 354 |
| Average earning assets | $2,306,853,750 | 353 |
| Average equity | $316,113,750 | 331 |
| Average total loans | $2,065,602,250 | 322 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5078% | 2,072 |
| Cost of funding earning assets | 0.6595% | 1,874 |
| Net interest margin | 3.8483% | 2,391 |
| Noninterest income to average assets | 0.3853% | 3,584 |
| Noninterest expense to average assets | 2.1707% | 4,436 |
| Loan and lease loss provision to assets | 0.0768% | 2,365 |
| Net operating income to assets | 1.2164% | 2,122 |
| Return on assets (ROA) | 1.2164% | 2,118 |
| Pretax return on assets | 1.6389% | 1,381 |
| Return on Equity (ROE) | 10.1399% | 2,503 |
| Retained earnings to average equity (ytd only) | 8.2736% | 1,504 |
| Net charge-offs to loans | 0.0146% | 2,653 |
| Credit loss provision to net charge-offs | 648.2517% | 595 |
| Earnings coverage of net charge-offs (x) | 144.9021% | 532 |
| Efficiency ratio | 54.0372% | 4,690 |
| Assets per employee ($millions) | 7.7352% | 698 |
| Cash dividends to net income (ytd only)* | 18.4058% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2807% | 5,427 |
| Loan loss allowance to noncurrent loans | 217.0605% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 4,051 |
| Noncurrent loans to loans | 0.1293% | 4,326 |
| Net loans and leases to total assets | 81.2469% | 818 |
| Net loans and leases to deposits | 107.8818% | 354 |
| Net loans and leases to core deposits | 127.8489% | 373 |
| Total domestic deposits to total assets | 75.3111% | 4,926 |
| Equity capital to assets | 13.3165% | 1,177 |
| Core capital (leverage) ratio | 10.5368% | 2,993 |
| Tier 1 risk-based capital ratio | 10.9501% | 5,079 |
| Total risk-based capital ratio | 11.2137% | 5,385 |
| Memoranda: | ||
| Average total assets | $2,415,566,000 | 366 |
| Average earning assets | $2,197,574,000 | 364 |
| Average equity | $289,765,000 | 345 |
| Average total loans | $1,954,006,330 | 331 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3067% | 2,487 |
| Cost of funding earning assets | 0.6085% | 2,001 |
| Net interest margin | 3.6982% | 2,806 |
| Noninterest income to average assets | 0.3011% | 4,148 |
| Noninterest expense to average assets | 1.9404% | 4,957 |
| Loan and lease loss provision to assets | 0.0732% | 2,298 |
| Net operating income to assets | 1.2720% | 1,738 |
| Return on assets (ROA) | 1.2720% | 1,744 |
| Pretax return on assets | 1.6867% | 1,149 |
| Return on Equity (ROE) | 11.4611% | 1,786 |
| Retained earnings to average equity (ytd only) | 9.7806% | 1,228 |
| Net charge-offs to loans | 0.0134% | 2,282 |
| Credit loss provision to net charge-offs | 681.0345% | 482 |
| Earnings coverage of net charge-offs (x) | 163.6724% | 397 |
| Efficiency ratio | 50.8743% | 5,031 |
| Assets per employee ($millions) | 8.1851% | 591 |
| Cash dividends to net income (ytd only)* | 14.6626% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3542% | 5,462 |
| Loan loss allowance to noncurrent loans | 298.5687% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 4,202 |
| Noncurrent loans to loans | 0.1186% | 4,431 |
| Net loans and leases to total assets | 79.6624% | 983 |
| Net loans and leases to deposits | 98.3715% | 834 |
| Net loans and leases to core deposits | 117.8417% | 660 |
| Total domestic deposits to total assets | 80.9811% | 4,212 |
| Equity capital to assets | 10.8951% | 2,687 |
| Core capital (leverage) ratio | 10.1362% | 3,376 |
| Tier 1 risk-based capital ratio | 10.9534% | 5,156 |
| Total risk-based capital ratio | 11.2813% | 5,432 |
| Memoranda: | ||
| Average total assets | $2,157,534,500 | 395 |
| Average earning assets | $1,983,122,500 | 394 |
| Average equity | $239,453,000 | 398 |
| Average total loans | $1,736,727,500 | 366 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2385% | 2,544 |
| Cost of funding earning assets | 0.5205% | 2,174 |
| Net interest margin | 3.7181% | 2,728 |
| Noninterest income to average assets | 0.3776% | 3,774 |
| Noninterest expense to average assets | 2.1344% | 4,687 |
| Loan and lease loss provision to assets | 0.0507% | 3,207 |
| Net operating income to assets | 1.0928% | 1,879 |
| Return on assets (ROA) | 1.0941% | 1,896 |
| Pretax return on assets | 1.6254% | 1,225 |
| Return on Equity (ROE) | 10.0899% | 1,841 |
| Retained earnings to average equity (ytd only) | 8.2543% | 676 |
| Net charge-offs to loans | 0.0804% | 2,304 |
| Credit loss provision to net charge-offs | 77.7055% | 2,980 |
| Earnings coverage of net charge-offs (x) | 25.6713% | 1,702 |
| Efficiency ratio | 54.6912% | 4,887 |
| Assets per employee ($millions) | 7.9139% | 655 |
| Cash dividends to net income (ytd only)* | 18.1928% | 3,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3469% | 5,531 |
| Loan loss allowance to noncurrent loans | 314.7794% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 4,206 |
| Noncurrent loans to loans | 0.1102% | 4,494 |
| Net loans and leases to total assets | 80.7924% | 861 |
| Net loans and leases to deposits | 102.5942% | 572 |
| Net loans and leases to core deposits | 124.3011% | 475 |
| Total domestic deposits to total assets | 78.7496% | 4,593 |
| Equity capital to assets | 11.3119% | 2,353 |
| Core capital (leverage) ratio | 10.1441% | 3,251 |
| Tier 1 risk-based capital ratio | 11.0480% | 5,114 |
| Total risk-based capital ratio | 11.3680% | 5,439 |
| Memoranda: | ||
| Average total assets | $1,884,500,200 | 429 |
| Average earning assets | $1,738,997,800 | 425 |
| Average equity | $204,342,200 | 433 |
| Average total loans | $1,528,565,000 | 389 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 2,620 |
| Cost of funding earning assets | 0.5099% | 2,189 |
| Net interest margin | 3.6895% | 2,790 |
| Noninterest income to average assets | 0.3966% | 3,708 |
| Noninterest expense to average assets | 2.1807% | 4,565 |
| Loan and lease loss provision to assets | 0.0623% | 2,828 |
| Net operating income to assets | 1.0282% | 2,422 |
| Return on assets (ROA) | 1.0299% | 2,453 |
| Pretax return on assets | 1.5664% | 1,525 |
| Return on Equity (ROE) | 9.6178% | 2,297 |
| Retained earnings to average equity (ytd only) | 7.7461% | 1,324 |
| Net charge-offs to loans | 0.1109% | 1,680 |
| Credit loss provision to net charge-offs | 69.2869% | 2,706 |
| Earnings coverage of net charge-offs (x) | 18.0811% | 2,072 |
| Efficiency ratio | 56.0346% | 4,730 |
| Assets per employee ($millions) | 7.1562% | 891 |
| Cash dividends to net income (ytd only)* | 19.4608% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3472% | 5,599 |
| Loan loss allowance to noncurrent loans | 289.7857% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 4,326 |
| Noncurrent loans to loans | 0.1198% | 4,580 |
| Net loans and leases to total assets | 80.9924% | 845 |
| Net loans and leases to deposits | 100.5807% | 707 |
| Net loans and leases to core deposits | 122.0528% | 515 |
| Total domestic deposits to total assets | 80.5248% | 4,200 |
| Equity capital to assets | 11.3365% | 2,539 |
| Core capital (leverage) ratio | 10.2155% | 3,297 |
| Tier 1 risk-based capital ratio | 10.9677% | 5,261 |
| Total risk-based capital ratio | 11.2916% | 5,547 |
| Memoranda: | ||
| Average total assets | $1,829,349,250 | 441 |
| Average earning assets | $1,690,896,250 | 437 |
| Average equity | $195,896,000 | 447 |
| Average total loans | $1,484,034,750 | 396 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 2,634 |
| Cost of funding earning assets | 0.5012% | 2,155 |
| Net interest margin | 3.6576% | 2,805 |
| Noninterest income to average assets | 0.3977% | 3,705 |
| Noninterest expense to average assets | 2.0882% | 4,795 |
| Loan and lease loss provision to assets | 0.0821% | 2,349 |
| Net operating income to assets | 1.0625% | 2,156 |
| Return on assets (ROA) | 1.0651% | 2,184 |
| Pretax return on assets | 1.6193% | 1,284 |
| Return on Equity (ROE) | 10.1803% | 1,960 |
| Retained earnings to average equity (ytd only) | 8.2689% | 1,062 |
| Net charge-offs to loans | 0.1411% | 1,310 |
| Credit loss provision to net charge-offs | 71.7565% | 2,361 |
| Earnings coverage of net charge-offs (x) | 14.8403% | 2,048 |
| Efficiency ratio | 54.0194% | 5,019 |
| Assets per employee ($millions) | 8.0262% | 617 |
| Cash dividends to net income (ytd only)* | 18.7761% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4052% | 5,607 |
| Loan loss allowance to noncurrent loans | 308.2377% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 4,046 |
| Noncurrent loans to loans | 0.1315% | 4,596 |
| Net loans and leases to total assets | 81.1912% | 792 |
| Net loans and leases to deposits | 105.0521% | 442 |
| Net loans and leases to core deposits | 129.3743% | 318 |
| Total domestic deposits to total assets | 77.2866% | 4,916 |
| Equity capital to assets | 10.5662% | 3,264 |
| Core capital (leverage) ratio | 9.7894% | 3,792 |
| Tier 1 risk-based capital ratio | 10.8431% | 5,327 |
| Total risk-based capital ratio | 11.2185% | 5,597 |
| Memoranda: | ||
| Average total assets | $1,752,140,670 | 459 |
| Average earning assets | $1,622,933,330 | 452 |
| Average equity | $183,314,000 | 471 |
| Average total loans | $1,420,363,000 | 409 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1584% | 2,436 |
| Cost of funding earning assets | 0.4683% | 2,357 |
| Net interest margin | 3.6901% | 2,518 |
| Noninterest income to average assets | 0.4177% | 3,541 |
| Noninterest expense to average assets | 2.1120% | 4,823 |
| Loan and lease loss provision to assets | 0.1015% | 1,867 |
| Net operating income to assets | 1.0665% | 2,003 |
| Return on assets (ROA) | 1.0689% | 2,036 |
| Pretax return on assets | 1.6249% | 1,170 |
| Return on Equity (ROE) | 10.2698% | 1,838 |
| Retained earnings to average equity (ytd only) | 8.3276% | 1,334 |
| Net charge-offs to loans | 0.2926% | 624 |
| Credit loss provision to net charge-offs | 42.9268% | 2,043 |
| Earnings coverage of net charge-offs (x) | 7.2829% | 2,151 |
| Efficiency ratio | 52.9277% | 5,212 |
| Assets per employee ($millions) | 7.6592% | 710 |
| Cash dividends to net income (ytd only)* | 18.9119% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3934% | 5,691 |
| Loan loss allowance to noncurrent loans | 431.5385% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2382% | 4,273 |
| Noncurrent loans to loans | 0.0912% | 4,828 |
| Net loans and leases to total assets | 80.6418% | 745 |
| Net loans and leases to deposits | 103.4477% | 422 |
| Net loans and leases to core deposits | 128.2217% | 285 |
| Total domestic deposits to total assets | 77.9542% | 4,970 |
| Equity capital to assets | 10.3788% | 3,322 |
| Core capital (leverage) ratio | 9.8727% | 3,658 |
| Tier 1 risk-based capital ratio | 10.9295% | 5,342 |
| Total risk-based capital ratio | 11.2994% | 5,648 |
| Memoranda: | ||
| Average total assets | $1,733,294,000 | 467 |
| Average earning assets | $1,605,037,500 | 459 |
| Average equity | $180,412,000 | 473 |
| Average total loans | $1,400,994,500 | 414 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1371% | 2,708 |
| Cost of funding earning assets | 0.4177% | 2,830 |
| Net interest margin | 3.7194% | 2,612 |
| Noninterest income to average assets | 0.4617% | 3,470 |
| Noninterest expense to average assets | 2.4358% | 4,199 |
| Loan and lease loss provision to assets | 0.0996% | 2,393 |
| Net operating income to assets | 0.8866% | 2,896 |
| Return on assets (ROA) | 0.9375% | 2,754 |
| Pretax return on assets | 1.4210% | 1,856 |
| Return on Equity (ROE) | 9.3299% | 2,259 |
| Retained earnings to average equity (ytd only) | 8.1097% | 817 |
| Net charge-offs to loans | 0.0239% | 3,567 |
| Credit loss provision to net charge-offs | 528.3333% | 630 |
| Earnings coverage of net charge-offs (x) | 76.6000% | 734 |
| Efficiency ratio | 61.4453% | 4,348 |
| Assets per employee ($millions) | 7.3504% | 775 |
| Cash dividends to net income (ytd only)* | 13.0787% | 3,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4503% | 5,703 |
| Loan loss allowance to noncurrent loans | 85.0144% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 0.5858% | 2,977 |
| Noncurrent loans to loans | 0.5297% | 3,261 |
| Net loans and leases to total assets | 79.9692% | 897 |
| Net loans and leases to deposits | 102.8591% | 477 |
| Net loans and leases to core deposits | 126.2467% | 342 |
| Total domestic deposits to total assets | 77.7463% | 5,011 |
| Equity capital to assets | 10.3927% | 3,282 |
| Core capital (leverage) ratio | 9.9461% | 3,556 |
| Tier 1 risk-based capital ratio | 11.0187% | 5,338 |
| Total risk-based capital ratio | 11.4369% | 5,637 |
| Memoranda: | ||
| Average total assets | $1,592,069,600 | 478 |
| Average earning assets | $1,462,813,200 | 475 |
| Average equity | $159,969,000 | 500 |
| Average total loans | $1,256,408,000 | 427 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1038% | 2,863 |
| Cost of funding earning assets | 0.4111% | 2,918 |
| Net interest margin | 3.6927% | 2,746 |
| Noninterest income to average assets | 0.4843% | 3,357 |
| Noninterest expense to average assets | 2.6355% | 3,553 |
| Loan and lease loss provision to assets | 0.1182% | 1,957 |
| Net operating income to assets | 0.7472% | 3,618 |
| Return on assets (ROA) | 0.8173% | 3,424 |
| Pretax return on assets | 1.2261% | 2,724 |
| Return on Equity (ROE) | 8.2118% | 2,901 |
| Retained earnings to average equity (ytd only) | 7.0994% | 1,574 |
| Net charge-offs to loans | -0.0062% | 4,659 |
| Credit loss provision to net charge-offs | -2,429.8246% | 5,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6248% | 3,483 |
| Assets per employee ($millions) | 6.8018% | 960 |
| Cash dividends to net income (ytd only)* | 13.5457% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4862% | 5,741 |
| Loan loss allowance to noncurrent loans | 74.8086% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 3,009 |
| Noncurrent loans to loans | 0.6500% | 3,071 |
| Net loans and leases to total assets | 78.9779% | 1,044 |
| Net loans and leases to deposits | 99.4423% | 741 |
| Net loans and leases to core deposits | 121.4083% | 470 |
| Total domestic deposits to total assets | 79.4208% | 4,633 |
| Equity capital to assets | 10.8656% | 3,181 |
| Core capital (leverage) ratio | 10.0925% | 3,450 |
| Tier 1 risk-based capital ratio | 11.4351% | 5,129 |
| Total risk-based capital ratio | 11.9097% | 5,458 |
| Memoranda: | ||
| Average total assets | $1,561,924,000 | 490 |
| Average earning assets | $1,434,249,750 | 483 |
| Average equity | $155,463,750 | 511 |
| Average total loans | $1,226,562,750 | 436 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0914% | 2,900 |
| Cost of funding earning assets | 0.4070% | 2,968 |
| Net interest margin | 3.6844% | 2,757 |
| Noninterest income to average assets | 0.4974% | 3,210 |
| Noninterest expense to average assets | 2.7547% | 3,181 |
| Loan and lease loss provision to assets | 0.1407% | 1,618 |
| Net operating income to assets | 0.6604% | 3,996 |
| Return on assets (ROA) | 0.7390% | 3,773 |
| Pretax return on assets | 1.1002% | 3,197 |
| Return on Equity (ROE) | 7.6767% | 3,159 |
| Retained earnings to average equity (ytd only) | 5.9201% | 2,166 |
| Net charge-offs to loans | -0.0050% | 4,520 |
| Credit loss provision to net charge-offs | -3,596.6667% | 5,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5939% | 3,047 |
| Assets per employee ($millions) | 6.2814% | 1,205 |
| Cash dividends to net income (ytd only)* | 22.8829% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4799% | 5,819 |
| Loan loss allowance to noncurrent loans | 75.4923% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 0.6581% | 3,033 |
| Noncurrent loans to loans | 0.6357% | 3,171 |
| Net loans and leases to total assets | 78.8500% | 1,091 |
| Net loans and leases to deposits | 98.8008% | 810 |
| Net loans and leases to core deposits | 119.8571% | 515 |
| Total domestic deposits to total assets | 79.8070% | 4,591 |
| Equity capital to assets | 9.4998% | 4,766 |
| Core capital (leverage) ratio | 8.5969% | 5,268 |
| Tier 1 risk-based capital ratio | 9.9776% | 5,865 |
| Total risk-based capital ratio | 10.4535% | 5,977 |
| Memoranda: | ||
| Average total assets | $1,533,884,330 | 500 |
| Average earning assets | $1,407,497,330 | 492 |
| Average equity | $147,667,330 | 538 |
| Average total loans | $1,199,963,000 | 442 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0989% | 2,847 |
| Cost of funding earning assets | 0.4039% | 3,025 |
| Net interest margin | 3.6951% | 2,689 |
| Noninterest income to average assets | 0.5128% | 3,029 |
| Noninterest expense to average assets | 2.7800% | 3,146 |
| Loan and lease loss provision to assets | 0.2064% | 944 |
| Net operating income to assets | 0.6169% | 4,106 |
| Return on assets (ROA) | 0.6307% | 4,171 |
| Pretax return on assets | 0.9315% | 3,720 |
| Return on Equity (ROE) | 6.5066% | 3,722 |
| Retained earnings to average equity (ytd only) | 4.7350% | 3,098 |
| Net charge-offs to loans | -0.0058% | 4,339 |
| Credit loss provision to net charge-offs | -4,582.3529% | 5,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7899% | 3,169 |
| Assets per employee ($millions) | 5.9213% | 1,467 |
| Cash dividends to net income (ytd only)* | 27.2269% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4812% | 5,877 |
| Loan loss allowance to noncurrent loans | 69.0548% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 0.7231% | 2,903 |
| Noncurrent loans to loans | 0.6969% | 3,105 |
| Net loans and leases to total assets | 77.8421% | 1,123 |
| Net loans and leases to deposits | 95.6273% | 975 |
| Net loans and leases to core deposits | 115.3715% | 617 |
| Total domestic deposits to total assets | 81.4016% | 4,378 |
| Equity capital to assets | 9.7301% | 4,418 |
| Core capital (leverage) ratio | 8.6192% | 5,269 |
| Tier 1 risk-based capital ratio | 10.3179% | 5,820 |
| Total risk-based capital ratio | 10.7940% | 5,980 |
| Memoranda: | ||
| Average total assets | $1,509,368,000 | 508 |
| Average earning assets | $1,382,604,000 | 500 |
| Average equity | $146,314,000 | 540 |
| Average total loans | $1,172,870,000 | 450 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2717% | 2,309 |
| Cost of funding earning assets | 0.3713% | 3,470 |
| Net interest margin | 3.9004% | 2,029 |
| Noninterest income to average assets | 0.5062% | 3,277 |
| Noninterest expense to average assets | 2.6940% | 3,597 |
| Loan and lease loss provision to assets | 0.0990% | 2,332 |
| Net operating income to assets | 0.8487% | 3,120 |
| Return on assets (ROA) | 0.8520% | 3,176 |
| Pretax return on assets | 1.2725% | 2,387 |
| Return on Equity (ROE) | 8.3285% | 2,787 |
| Retained earnings to average equity (ytd only) | 6.6709% | 1,455 |
| Net charge-offs to loans | 0.0664% | 2,908 |
| Credit loss provision to net charge-offs | 191.9473% | 1,443 |
| Earnings coverage of net charge-offs (x) | 26.4905% | 1,583 |
| Efficiency ratio | 64.8703% | 4,100 |
| Assets per employee ($millions) | 5.9168% | 1,443 |
| Cash dividends to net income (ytd only)* | 19.9025% | 3,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4233% | 5,978 |
| Loan loss allowance to noncurrent loans | 84.8014% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5497% | 3,453 |
| Noncurrent loans to loans | 0.4991% | 3,691 |
| Net loans and leases to total assets | 76.8624% | 1,276 |
| Net loans and leases to deposits | 93.4293% | 1,258 |
| Net loans and leases to core deposits | 114.2505% | 671 |
| Total domestic deposits to total assets | 82.2679% | 4,092 |
| Equity capital to assets | 9.6570% | 4,363 |
| Core capital (leverage) ratio | 9.2137% | 4,590 |
| Tier 1 risk-based capital ratio | 10.7778% | 5,637 |
| Total risk-based capital ratio | 11.2097% | 5,910 |
| Memoranda: | ||
| Average total assets | $1,323,891,600 | 542 |
| Average earning assets | $1,206,462,600 | 542 |
| Average equity | $135,438,200 | 558 |
| Average total loans | $1,028,371,400 | 471 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3422% | 2,100 |
| Cost of funding earning assets | 0.3670% | 3,584 |
| Net interest margin | 3.9752% | 1,788 |
| Noninterest income to average assets | 0.5333% | 3,147 |
| Noninterest expense to average assets | 2.7097% | 3,527 |
| Loan and lease loss provision to assets | 0.0950% | 2,269 |
| Net operating income to assets | 0.9105% | 2,913 |
| Return on assets (ROA) | 0.9151% | 2,974 |
| Pretax return on assets | 1.3519% | 2,207 |
| Return on Equity (ROE) | 8.7998% | 2,678 |
| Retained earnings to average equity (ytd only) | 7.1970% | 1,600 |
| Net charge-offs to loans | 0.0990% | 2,162 |
| Credit loss provision to net charge-offs | 123.2747% | 1,946 |
| Earnings coverage of net charge-offs (x) | 18.6955% | 1,985 |
| Efficiency ratio | 63.7948% | 4,286 |
| Assets per employee ($millions) | 5.9659% | 1,400 |
| Cash dividends to net income (ytd only)* | 18.2139% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4242% | 6,076 |
| Loan loss allowance to noncurrent loans | 198.4848% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.3166% | 4,499 |
| Noncurrent loans to loans | 0.2137% | 4,797 |
| Net loans and leases to total assets | 78.9393% | 967 |
| Net loans and leases to deposits | 95.8356% | 1,024 |
| Net loans and leases to core deposits | 118.9392% | 502 |
| Total domestic deposits to total assets | 82.3695% | 4,042 |
| Equity capital to assets | 10.2865% | 3,828 |
| Core capital (leverage) ratio | 9.2891% | 4,599 |
| Tier 1 risk-based capital ratio | 11.2455% | 5,524 |
| Total risk-based capital ratio | 11.6755% | 5,847 |
| Memoranda: | ||
| Average total assets | $1,279,145,250 | 562 |
| Average earning assets | $1,163,712,500 | 559 |
| Average equity | $133,014,500 | 576 |
| Average total loans | $995,450,000 | 482 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 2,074 |
| Cost of funding earning assets | 0.3556% | 3,749 |
| Net interest margin | 3.9780% | 1,708 |
| Noninterest income to average assets | 0.5006% | 3,373 |
| Noninterest expense to average assets | 2.7311% | 3,488 |
| Loan and lease loss provision to assets | 0.1024% | 2,127 |
| Net operating income to assets | 0.8711% | 3,039 |
| Return on assets (ROA) | 0.8781% | 3,110 |
| Pretax return on assets | 1.2881% | 2,406 |
| Return on Equity (ROE) | 8.4129% | 2,843 |
| Retained earnings to average equity (ytd only) | 6.7925% | 1,796 |
| Net charge-offs to loans | 0.1009% | 1,995 |
| Credit loss provision to net charge-offs | 131.2373% | 1,684 |
| Earnings coverage of net charge-offs (x) | 17.6937% | 1,840 |
| Efficiency ratio | 64.8745% | 4,210 |
| Assets per employee ($millions) | 5.9542% | 1,394 |
| Cash dividends to net income (ytd only)* | 19.2613% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4352% | 6,141 |
| Loan loss allowance to noncurrent loans | 130.5090% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 4,472 |
| Noncurrent loans to loans | 0.3334% | 4,490 |
| Net loans and leases to total assets | 77.8376% | 1,090 |
| Net loans and leases to deposits | 93.5516% | 1,197 |
| Net loans and leases to core deposits | 115.3469% | 614 |
| Total domestic deposits to total assets | 83.2028% | 3,872 |
| Equity capital to assets | 10.2633% | 3,734 |
| Core capital (leverage) ratio | 9.3431% | 4,498 |
| Tier 1 risk-based capital ratio | 11.4536% | 5,494 |
| Total risk-based capital ratio | 11.8976% | 5,803 |
| Memoranda: | ||
| Average total assets | $1,264,052,000 | 562 |
| Average earning assets | $1,147,316,000 | 560 |
| Average equity | $131,940,330 | 577 |
| Average total loans | $977,284,670 | 487 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4395% | 1,637 |
| Cost of funding earning assets | 0.3383% | 4,000 |
| Net interest margin | 4.1012% | 1,273 |
| Noninterest income to average assets | 0.5254% | 3,117 |
| Noninterest expense to average assets | 2.7342% | 3,470 |
| Loan and lease loss provision to assets | 0.1807% | 1,062 |
| Net operating income to assets | 0.9004% | 2,737 |
| Return on assets (ROA) | 0.9138% | 2,806 |
| Pretax return on assets | 1.3449% | 2,101 |
| Return on Equity (ROE) | 8.6782% | 2,611 |
| Retained earnings to average equity (ytd only) | 7.0262% | 2,000 |
| Net charge-offs to loans | 0.0870% | 1,850 |
| Credit loss provision to net charge-offs | 270.1923% | 881 |
| Earnings coverage of net charge-offs (x) | 22.5192% | 1,349 |
| Efficiency ratio | 62.8905% | 4,642 |
| Assets per employee ($millions) | 5.8414% | 1,519 |
| Cash dividends to net income (ytd only)* | 19.0359% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4745% | 6,187 |
| Loan loss allowance to noncurrent loans | 127.8897% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.4122% | 4,379 |
| Noncurrent loans to loans | 0.3710% | 4,478 |
| Net loans and leases to total assets | 76.7129% | 1,102 |
| Net loans and leases to deposits | 92.1752% | 1,163 |
| Net loans and leases to core deposits | 112.8303% | 617 |
| Total domestic deposits to total assets | 83.2251% | 4,110 |
| Equity capital to assets | 10.4557% | 3,576 |
| Core capital (leverage) ratio | 9.4870% | 4,298 |
| Tier 1 risk-based capital ratio | 11.5875% | 5,502 |
| Total risk-based capital ratio | 12.0668% | 5,814 |
| Memoranda: | ||
| Average total assets | $1,244,092,500 | 564 |
| Average earning assets | $1,126,878,000 | 569 |
| Average equity | $130,995,500 | 582 |
| Average total loans | $956,219,000 | 491 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2807% | 2,680 |
| Cost of funding earning assets | 0.3288% | 4,506 |
| Net interest margin | 3.9519% | 2,045 |
| Noninterest income to average assets | 0.5199% | 3,363 |
| Noninterest expense to average assets | 2.9617% | 2,962 |
| Loan and lease loss provision to assets | 0.2375% | 1,000 |
| Net operating income to assets | 0.6184% | 4,284 |
| Return on assets (ROA) | 0.6322% | 4,332 |
| Pretax return on assets | 0.8756% | 3,979 |
| Return on Equity (ROE) | 5.9919% | 4,154 |
| Retained earnings to average equity (ytd only) | 4.4456% | 3,015 |
| Net charge-offs to loans | 0.3913% | 1,095 |
| Credit loss provision to net charge-offs | 81.3759% | 2,836 |
| Earnings coverage of net charge-offs (x) | 3.7487% | 3,817 |
| Efficiency ratio | 71.2285% | 3,336 |
| Assets per employee ($millions) | 5.5482% | 1,732 |
| Cash dividends to net income (ytd only)* | 25.8073% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4578% | 6,291 |
| Loan loss allowance to noncurrent loans | 77.6146% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 3,609 |
| Noncurrent loans to loans | 0.5898% | 3,896 |
| Net loans and leases to total assets | 76.2837% | 1,220 |
| Net loans and leases to deposits | 91.2525% | 1,371 |
| Net loans and leases to core deposits | 112.4985% | 671 |
| Total domestic deposits to total assets | 83.5963% | 3,880 |
| Equity capital to assets | 10.6059% | 3,352 |
| Core capital (leverage) ratio | 9.3675% | 4,445 |
| Tier 1 risk-based capital ratio | 11.7019% | 5,547 |
| Total risk-based capital ratio | 12.1153% | 5,892 |
| Memoranda: | ||
| Average total assets | $1,190,340,600 | 567 |
| Average earning assets | $1,065,013,400 | 574 |
| Average equity | $125,585,800 | 580 |
| Average total loans | $887,798,000 | 504 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3069% | 2,602 |
| Cost of funding earning assets | 0.3379% | 4,493 |
| Net interest margin | 3.9690% | 1,968 |
| Noninterest income to average assets | 0.5263% | 3,346 |
| Noninterest expense to average assets | 2.9400% | 2,992 |
| Loan and lease loss provision to assets | 0.2670% | 793 |
| Net operating income to assets | 0.6219% | 4,342 |
| Return on assets (ROA) | 0.6403% | 4,354 |
| Pretax return on assets | 0.8866% | 4,047 |
| Return on Equity (ROE) | 6.0771% | 4,193 |
| Retained earnings to average equity (ytd only) | 4.5771% | 3,384 |
| Net charge-offs to loans | 0.5215% | 735 |
| Credit loss provision to net charge-offs | 69.1477% | 2,779 |
| Earnings coverage of net charge-offs (x) | 2.9209% | 3,792 |
| Efficiency ratio | 70.4583% | 3,429 |
| Assets per employee ($millions) | 5.1764% | 2,041 |
| Cash dividends to net income (ytd only)* | 24.6832% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4333% | 6,383 |
| Loan loss allowance to noncurrent loans | 66.7471% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 0.7079% | 3,694 |
| Noncurrent loans to loans | 0.6492% | 3,989 |
| Net loans and leases to total assets | 74.0801% | 1,515 |
| Net loans and leases to deposits | 86.8871% | 1,806 |
| Net loans and leases to core deposits | 107.1048% | 896 |
| Total domestic deposits to total assets | 85.2603% | 3,240 |
| Equity capital to assets | 10.6342% | 3,390 |
| Core capital (leverage) ratio | 9.0618% | 4,983 |
| Tier 1 risk-based capital ratio | 11.7135% | 5,669 |
| Total risk-based capital ratio | 12.1042% | 6,013 |
| Memoranda: | ||
| Average total assets | $1,182,775,000 | 567 |
| Average earning assets | $1,055,446,500 | 578 |
| Average equity | $124,618,250 | 586 |
| Average total loans | $875,896,750 | 505 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3871% | 2,218 |
| Cost of funding earning assets | 0.3448% | 4,482 |
| Net interest margin | 4.0423% | 1,687 |
| Noninterest income to average assets | 0.5468% | 3,152 |
| Noninterest expense to average assets | 2.9429% | 3,027 |
| Loan and lease loss provision to assets | 0.3083% | 629 |
| Net operating income to assets | 0.6412% | 4,147 |
| Return on assets (ROA) | 0.6690% | 4,098 |
| Pretax return on assets | 0.9322% | 3,750 |
| Return on Equity (ROE) | 6.3695% | 3,958 |
| Retained earnings to average equity (ytd only) | 4.9730% | 2,974 |
| Net charge-offs to loans | 0.0961% | 2,710 |
| Credit loss provision to net charge-offs | 433.9713% | 649 |
| Earnings coverage of net charge-offs (x) | 16.9187% | 1,763 |
| Efficiency ratio | 69.1926% | 3,801 |
| Assets per employee ($millions) | 5.1796% | 1,993 |
| Cash dividends to net income (ytd only)* | 21.9258% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7028% | 6,169 |
| Loan loss allowance to noncurrent loans | 65.1122% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 1.2091% | 2,669 |
| Noncurrent loans to loans | 1.0794% | 3,072 |
| Net loans and leases to total assets | 75.3373% | 1,258 |
| Net loans and leases to deposits | 88.1647% | 1,576 |
| Net loans and leases to core deposits | 110.0205% | 695 |
| Total domestic deposits to total assets | 85.4507% | 3,309 |
| Equity capital to assets | 10.6610% | 3,240 |
| Core capital (leverage) ratio | 9.1485% | 4,820 |
| Tier 1 risk-based capital ratio | 11.5139% | 5,790 |
| Total risk-based capital ratio | 12.1766% | 6,024 |
| Memoranda: | ||
| Average total assets | $1,176,728,000 | 572 |
| Average earning assets | $1,047,434,330 | 580 |
| Average equity | $123,588,330 | 586 |
| Average total loans | $870,025,000 | 506 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4150% | 2,083 |
| Cost of funding earning assets | 0.3519% | 4,519 |
| Net interest margin | 4.0632% | 1,563 |
| Noninterest income to average assets | 0.4478% | 3,808 |
| Noninterest expense to average assets | 3.0880% | 2,571 |
| Loan and lease loss provision to assets | 0.0921% | 2,380 |
| Net operating income to assets | 0.6369% | 4,014 |
| Return on assets (ROA) | 0.6607% | 3,983 |
| Pretax return on assets | 0.9147% | 3,649 |
| Return on Equity (ROE) | 6.3394% | 3,834 |
| Retained earnings to average equity (ytd only) | 4.9249% | 3,157 |
| Net charge-offs to loans | 0.1483% | 1,831 |
| Credit loss provision to net charge-offs | 85.1735% | 1,848 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 1,974 |
| Efficiency ratio | 74.1030% | 3,123 |
| Assets per employee ($millions) | 4.7812% | 2,547 |
| Cash dividends to net income (ytd only)* | 22.3140% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5704% | 6,443 |
| Loan loss allowance to noncurrent loans | 55.6607% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 1.1271% | 2,999 |
| Noncurrent loans to loans | 1.0247% | 3,375 |
| Net loans and leases to total assets | 71.7759% | 1,608 |
| Net loans and leases to deposits | 84.0485% | 1,815 |
| Net loans and leases to core deposits | 103.8764% | 865 |
| Total domestic deposits to total assets | 85.3982% | 3,674 |
| Equity capital to assets | 10.4282% | 3,322 |
| Core capital (leverage) ratio | 8.9376% | 5,091 |
| Tier 1 risk-based capital ratio | 11.5880% | 5,868 |
| Total risk-based capital ratio | 12.1022% | 6,167 |
| Memoranda: | ||
| Average total assets | $1,172,026,500 | 579 |
| Average earning assets | $1,042,434,500 | 590 |
| Average equity | $122,156,000 | 594 |
| Average total loans | $855,075,500 | 511 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7616% | 1,401 |
| Cost of funding earning assets | 0.4098% | 4,544 |
| Net interest margin | 4.3518% | 996 |
| Noninterest income to average assets | 0.7760% | 2,181 |
| Noninterest expense to average assets | 3.3968% | 1,886 |
| Loan and lease loss provision to assets | 0.1449% | 2,489 |
| Net operating income to assets | 0.7983% | 3,297 |
| Return on assets (ROA) | 0.8415% | 3,160 |
| Pretax return on assets | 1.1981% | 2,590 |
| Return on Equity (ROE) | 8.8834% | 2,601 |
| Retained earnings to average equity (ytd only) | 7.3665% | 1,286 |
| Net charge-offs to loans | 0.0730% | 4,187 |
| Credit loss provision to net charge-offs | 278.5185% | 814 |
| Earnings coverage of net charge-offs (x) | 24.6204% | 1,356 |
| Efficiency ratio | 70.8823% | 3,688 |
| Assets per employee ($millions) | 4.8263% | 2,409 |
| Cash dividends to net income (ytd only)* | 17.0751% | 3,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5770% | 6,500 |
| Loan loss allowance to noncurrent loans | 46.9652% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 1.2782% | 2,862 |
| Noncurrent loans to loans | 1.2286% | 3,091 |
| Net loans and leases to total assets | 73.3191% | 1,467 |
| Net loans and leases to deposits | 86.9445% | 1,585 |
| Net loans and leases to core deposits | 104.4438% | 880 |
| Total domestic deposits to total assets | 84.3287% | 4,041 |
| Equity capital to assets | 10.4169% | 3,269 |
| Core capital (leverage) ratio | 8.7615% | 5,349 |
| Tier 1 risk-based capital ratio | 11.3343% | 6,006 |
| Total risk-based capital ratio | 11.8525% | 6,291 |
| Memoranda: | ||
| Average total assets | $1,037,631,600 | 632 |
| Average earning assets | $930,402,600 | 639 |
| Average equity | $98,296,000 | 720 |
| Average total loans | $739,656,200 | 571 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6646% | 1,699 |
| Cost of funding earning assets | 0.4215% | 4,593 |
| Net interest margin | 4.2430% | 1,215 |
| Noninterest income to average assets | 0.4050% | 4,491 |
| Noninterest expense to average assets | 3.4416% | 1,737 |
| Loan and lease loss provision to assets | 0.1310% | 2,648 |
| Net operating income to assets | 0.4953% | 4,816 |
| Return on assets (ROA) | 0.5606% | 4,678 |
| Pretax return on assets | 0.7313% | 4,574 |
| Return on Equity (ROE) | 6.0923% | 4,140 |
| Retained earnings to average equity (ytd only) | 4.5678% | 3,424 |
| Net charge-offs to loans | 0.0992% | 3,562 |
| Credit loss provision to net charge-offs | 187.1456% | 1,290 |
| Earnings coverage of net charge-offs (x) | 11.1058% | 2,279 |
| Efficiency ratio | 79.6644% | 2,153 |
| Assets per employee ($millions) | 4.5815% | 2,751 |
| Cash dividends to net income (ytd only)* | 25.0236% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5314% | 6,629 |
| Loan loss allowance to noncurrent loans | 32.5657% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 1.6626% | 2,471 |
| Noncurrent loans to loans | 1.6318% | 2,729 |
| Net loans and leases to total assets | 70.6367% | 1,846 |
| Net loans and leases to deposits | 83.6611% | 1,921 |
| Net loans and leases to core deposits | 103.1013% | 926 |
| Total domestic deposits to total assets | 84.4320% | 4,016 |
| Equity capital to assets | 10.0034% | 3,896 |
| Core capital (leverage) ratio | 8.4474% | 5,817 |
| Tier 1 risk-based capital ratio | 11.1650% | 6,211 |
| Total risk-based capital ratio | 11.6236% | 6,457 |
| Memoranda: | ||
| Average total assets | $1,007,461,500 | 654 |
| Average earning assets | $905,616,500 | 659 |
| Average equity | $92,705,000 | 760 |
| Average total loans | $711,022,000 | 590 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4471% | 2,394 |
| Cost of funding earning assets | 0.4369% | 4,585 |
| Net interest margin | 4.0102% | 1,821 |
| Noninterest income to average assets | 0.3041% | 5,281 |
| Noninterest expense to average assets | 3.5131% | 1,576 |
| Loan and lease loss provision to assets | 0.0840% | 3,397 |
| Net operating income to assets | 0.2851% | 5,643 |
| Return on assets (ROA) | 0.4009% | 5,378 |
| Pretax return on assets | 0.4635% | 5,482 |
| Return on Equity (ROE) | 4.5185% | 4,987 |
| Retained earnings to average equity (ytd only) | 2.9397% | 4,441 |
| Net charge-offs to loans | 0.0382% | 4,145 |
| Credit loss provision to net charge-offs | 312.5000% | 824 |
| Earnings coverage of net charge-offs (x) | 15.3594% | 1,746 |
| Efficiency ratio | 87.4719% | 1,283 |
| Assets per employee ($millions) | 4.2380% | 3,275 |
| Cash dividends to net income (ytd only)* | 34.9398% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5322% | 6,680 |
| Loan loss allowance to noncurrent loans | 36.1673% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 1.5009% | 2,849 |
| Noncurrent loans to loans | 1.4714% | 3,102 |
| Net loans and leases to total assets | 69.4668% | 1,983 |
| Net loans and leases to deposits | 79.4607% | 2,408 |
| Net loans and leases to core deposits | 97.4880% | 1,252 |
| Total domestic deposits to total assets | 87.4229% | 2,578 |
| Equity capital to assets | 9.3046% | 4,852 |
| Core capital (leverage) ratio | 8.4786% | 5,694 |
| Tier 1 risk-based capital ratio | 10.3563% | 6,554 |
| Total risk-based capital ratio | 10.7808% | 6,696 |
| Memoranda: | ||
| Average total assets | $952,326,330 | 694 |
| Average earning assets | $860,101,670 | 694 |
| Average equity | $84,498,000 | 846 |
| Average total loans | $670,395,670 | 623 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5018% | 2,160 |
| Cost of funding earning assets | 0.4452% | 4,643 |
| Net interest margin | 4.0566% | 1,605 |
| Noninterest income to average assets | 0.1626% | 6,287 |
| Noninterest expense to average assets | 3.0901% | 2,709 |
| Loan and lease loss provision to assets | 0.0932% | 3,107 |
| Net operating income to assets | 0.5014% | 4,649 |
| Return on assets (ROA) | 0.7189% | 3,734 |
| Pretax return on assets | 0.9752% | 3,459 |
| Return on Equity (ROE) | 8.3734% | 2,786 |
| Retained earnings to average equity (ytd only) | 6.8864% | 2,210 |
| Net charge-offs to loans | 0.0737% | 3,105 |
| Credit loss provision to net charge-offs | 178.5714% | 1,190 |
| Earnings coverage of net charge-offs (x) | 14.8393% | 1,429 |
| Efficiency ratio | 77.8153% | 2,638 |
| Assets per employee ($millions) | 4.9537% | 2,279 |
| Cash dividends to net income (ytd only)* | 17.7576% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6581% | 6,642 |
| Loan loss allowance to noncurrent loans | 74.3397% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 0.9489% | 4,029 |
| Noncurrent loans to loans | 0.8852% | 4,369 |
| Net loans and leases to total assets | 70.9845% | 1,523 |
| Net loans and leases to deposits | 81.7234% | 1,867 |
| Net loans and leases to core deposits | 104.3829% | 703 |
| Total domestic deposits to total assets | 86.8594% | 3,042 |
| Equity capital to assets | 8.5527% | 5,965 |
| Core capital (leverage) ratio | 8.0205% | 6,122 |
| Tier 1 risk-based capital ratio | 10.6559% | 6,538 |
| Total risk-based capital ratio | 11.2877% | 6,674 |
| Memoranda: | ||
| Average total assets | $858,478,500 | 779 |
| Average earning assets | $783,415,500 | 781 |
| Average equity | $73,710,000 | 989 |
| Average total loans | $607,506,500 | 683 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0586% | 1,407 |
| Cost of funding earning assets | 0.6166% | 4,205 |
| Net interest margin | 4.4420% | 1,068 |
| Noninterest income to average assets | 0.2974% | 5,337 |
| Noninterest expense to average assets | 2.9835% | 3,340 |
| Loan and lease loss provision to assets | 0.1834% | 3,343 |
| Net operating income to assets | 0.8643% | 2,986 |
| Return on assets (ROA) | 0.9673% | 2,710 |
| Pretax return on assets | 1.3054% | 2,378 |
| Return on Equity (ROE) | 11.3946% | 1,684 |
| Retained earnings to average equity (ytd only) | 9.1381% | 783 |
| Net charge-offs to loans | 0.2280% | 3,569 |
| Credit loss provision to net charge-offs | 117.2175% | 2,462 |
| Earnings coverage of net charge-offs (x) | 8.6272% | 2,376 |
| Efficiency ratio | 66.8350% | 4,355 |
| Assets per employee ($millions) | 4.9710% | 2,266 |
| Cash dividends to net income (ytd only)* | 19.8036% | 3,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6618% | 6,684 |
| Loan loss allowance to noncurrent loans | 67.0216% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.1270% | 3,773 |
| Noncurrent loans to loans | 0.9875% | 4,218 |
| Net loans and leases to total assets | 69.6070% | 1,919 |
| Net loans and leases to deposits | 80.8823% | 2,162 |
| Net loans and leases to core deposits | 103.4551% | 815 |
| Total domestic deposits to total assets | 86.0595% | 3,327 |
| Equity capital to assets | 8.6198% | 5,949 |
| Core capital (leverage) ratio | 7.8064% | 6,336 |
| Tier 1 risk-based capital ratio | 10.6001% | 6,514 |
| Total risk-based capital ratio | 11.2282% | 6,675 |
| Memoranda: | ||
| Average total assets | $831,597,800 | 791 |
| Average earning assets | $755,569,000 | 790 |
| Average equity | $70,594,800 | 995 |
| Average total loans | $570,735,000 | 727 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0942% | 1,445 |
| Cost of funding earning assets | 0.6405% | 4,277 |
| Net interest margin | 4.4538% | 1,084 |
| Noninterest income to average assets | 0.3040% | 5,351 |
| Noninterest expense to average assets | 2.8904% | 3,638 |
| Loan and lease loss provision to assets | 0.1816% | 3,324 |
| Net operating income to assets | 0.8684% | 3,139 |
| Return on assets (ROA) | 0.9617% | 2,911 |
| Pretax return on assets | 1.4159% | 2,184 |
| Return on Equity (ROE) | 11.3740% | 1,832 |
| Retained earnings to average equity (ytd only) | 9.8100% | 965 |
| Net charge-offs to loans | 0.0882% | 4,498 |
| Credit loss provision to net charge-offs | 301.6086% | 893 |
| Earnings coverage of net charge-offs (x) | 24.2467% | 1,287 |
| Efficiency ratio | 64.3941% | 4,742 |
| Assets per employee ($millions) | 4.9539% | 2,247 |
| Cash dividends to net income (ytd only)* | 13.7508% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7778% | 6,646 |
| Loan loss allowance to noncurrent loans | 54.0479% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 1.3470% | 3,604 |
| Noncurrent loans to loans | 1.4391% | 3,647 |
| Net loans and leases to total assets | 66.8767% | 2,487 |
| Net loans and leases to deposits | 78.3839% | 2,610 |
| Net loans and leases to core deposits | 99.8229% | 1,133 |
| Total domestic deposits to total assets | 85.3194% | 3,608 |
| Equity capital to assets | 8.5280% | 6,236 |
| Core capital (leverage) ratio | 7.6205% | 6,553 |
| Tier 1 risk-based capital ratio | 10.7746% | 6,574 |
| Total risk-based capital ratio | 11.5148% | 6,711 |
| Memoranda: | ||
| Average total assets | $825,745,250 | 802 |
| Average earning assets | $750,267,750 | 804 |
| Average equity | $69,818,500 | 1,013 |
| Average total loans | $563,641,250 | 736 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1000% | 1,499 |
| Cost of funding earning assets | 0.6596% | 4,367 |
| Net interest margin | 4.4404% | 1,104 |
| Noninterest income to average assets | 0.3385% | 5,117 |
| Noninterest expense to average assets | 2.9088% | 3,582 |
| Loan and lease loss provision to assets | 0.1840% | 3,263 |
| Net operating income to assets | 0.8602% | 3,088 |
| Return on assets (ROA) | 0.9523% | 2,907 |
| Pretax return on assets | 1.4125% | 2,158 |
| Return on Equity (ROE) | 11.2965% | 1,881 |
| Retained earnings to average equity (ytd only) | 9.7077% | 1,053 |
| Net charge-offs to loans | 0.1367% | 3,835 |
| Credit loss provision to net charge-offs | 196.3351% | 1,448 |
| Earnings coverage of net charge-offs (x) | 15.5707% | 1,641 |
| Efficiency ratio | 64.5063% | 4,801 |
| Assets per employee ($millions) | 4.9079% | 2,282 |
| Cash dividends to net income (ytd only)* | 14.0649% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7118% | 6,816 |
| Loan loss allowance to noncurrent loans | 54.2586% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 1.3183% | 3,795 |
| Noncurrent loans to loans | 1.3119% | 3,956 |
| Net loans and leases to total assets | 68.2930% | 2,238 |
| Net loans and leases to deposits | 79.6238% | 2,437 |
| Net loans and leases to core deposits | 97.9010% | 1,286 |
| Total domestic deposits to total assets | 85.7696% | 3,476 |
| Equity capital to assets | 8.3884% | 6,309 |
| Core capital (leverage) ratio | 7.7474% | 6,483 |
| Tier 1 risk-based capital ratio | 10.5000% | 6,692 |
| Total risk-based capital ratio | 11.1803% | 6,829 |
| Memoranda: | ||
| Average total assets | $815,319,670 | 815 |
| Average earning assets | $739,846,670 | 814 |
| Average equity | $68,729,000 | 1,023 |
| Average total loans | $558,974,670 | 747 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0041% | 1,872 |
| Cost of funding earning assets | 0.6823% | 4,436 |
| Net interest margin | 4.3218% | 1,400 |
| Noninterest income to average assets | 0.2763% | 5,657 |
| Noninterest expense to average assets | 2.8117% | 3,986 |
| Loan and lease loss provision to assets | 0.1867% | 3,095 |
| Net operating income to assets | 0.8044% | 3,358 |
| Return on assets (ROA) | 0.8982% | 3,149 |
| Pretax return on assets | 1.3299% | 2,426 |
| Return on Equity (ROE) | 10.6283% | 2,174 |
| Retained earnings to average equity (ytd only) | 9.0199% | 1,586 |
| Net charge-offs to loans | 0.2393% | 2,738 |
| Credit loss provision to net charge-offs | 113.9818% | 2,074 |
| Earnings coverage of net charge-offs (x) | 8.4164% | 1,959 |
| Efficiency ratio | 64.7814% | 4,785 |
| Assets per employee ($millions) | 4.8352% | 2,461 |
| Cash dividends to net income (ytd only)* | 15.1330% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6803% | 6,899 |
| Loan loss allowance to noncurrent loans | 56.9302% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 1.3170% | 3,923 |
| Noncurrent loans to loans | 1.1950% | 4,337 |
| Net loans and leases to total assets | 68.8783% | 1,960 |
| Net loans and leases to deposits | 80.4846% | 2,147 |
| Net loans and leases to core deposits | 98.5917% | 1,083 |
| Total domestic deposits to total assets | 85.5795% | 3,749 |
| Equity capital to assets | 8.5493% | 6,043 |
| Core capital (leverage) ratio | 7.7127% | 6,474 |
| Tier 1 risk-based capital ratio | 10.5420% | 6,721 |
| Total risk-based capital ratio | 11.1918% | 6,893 |
| Memoranda: | ||
| Average total assets | $803,357,000 | 824 |
| Average earning assets | $727,561,000 | 828 |
| Average equity | $67,894,000 | 1,033 |
| Average total loans | $549,834,500 | 757 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6485% | 872 |
| Cost of funding earning assets | 0.8427% | 4,525 |
| Net interest margin | 4.8058% | 614 |
| Noninterest income to average assets | 0.3827% | 4,766 |
| Noninterest expense to average assets | 3.2319% | 2,762 |
| Loan and lease loss provision to assets | 0.2876% | 3,361 |
| Net operating income to assets | 0.9264% | 2,498 |
| Return on assets (ROA) | 0.9429% | 2,562 |
| Pretax return on assets | 1.2788% | 2,209 |
| Return on Equity (ROE) | 11.0446% | 1,683 |
| Retained earnings to average equity (ytd only) | 9.5079% | 671 |
| Net charge-offs to loans | 0.1212% | 5,173 |
| Credit loss provision to net charge-offs | 341.5560% | 679 |
| Earnings coverage of net charge-offs (x) | 18.3359% | 1,225 |
| Efficiency ratio | 65.7165% | 4,829 |
| Assets per employee ($millions) | 5.0255% | 2,161 |
| Cash dividends to net income (ytd only)* | 13.9129% | 3,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6889% | 6,919 |
| Loan loss allowance to noncurrent loans | 63.8069% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.2272% | 4,184 |
| Noncurrent loans to loans | 1.0797% | 4,551 |
| Net loans and leases to total assets | 67.0704% | 2,568 |
| Net loans and leases to deposits | 78.0275% | 2,836 |
| Net loans and leases to core deposits | 96.1629% | 1,479 |
| Total domestic deposits to total assets | 85.9574% | 3,345 |
| Equity capital to assets | 8.3534% | 6,300 |
| Core capital (leverage) ratio | 7.6683% | 6,558 |
| Tier 1 risk-based capital ratio | 10.4665% | 6,700 |
| Total risk-based capital ratio | 11.1221% | 6,878 |
| Memoranda: | ||
| Average total assets | $625,828,600 | 1,039 |
| Average earning assets | $572,103,000 | 1,033 |
| Average equity | $53,429,000 | 1,269 |
| Average total loans | $434,944,200 | 957 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8125% | 686 |
| Cost of funding earning assets | 0.8894% | 4,477 |
| Net interest margin | 4.9231% | 486 |
| Noninterest income to average assets | 0.3638% | 4,957 |
| Noninterest expense to average assets | 3.3540% | 2,336 |
| Loan and lease loss provision to assets | 0.2294% | 3,720 |
| Net operating income to assets | 0.8749% | 2,840 |
| Return on assets (ROA) | 0.8923% | 2,922 |
| Pretax return on assets | 1.3240% | 2,205 |
| Return on Equity (ROE) | 10.3743% | 2,079 |
| Retained earnings to average equity (ytd only) | 8.9101% | 1,175 |
| Net charge-offs to loans | 0.1445% | 4,622 |
| Credit loss provision to net charge-offs | 226.2443% | 1,262 |
| Earnings coverage of net charge-offs (x) | 15.0656% | 1,494 |
| Efficiency ratio | 66.8813% | 4,546 |
| Assets per employee ($millions) | 4.8368% | 2,418 |
| Cash dividends to net income (ytd only)* | 14.1131% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5833% | 7,103 |
| Loan loss allowance to noncurrent loans | 44.4281% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 1.4045% | 4,023 |
| Noncurrent loans to loans | 1.3129% | 4,344 |
| Net loans and leases to total assets | 66.2289% | 2,849 |
| Net loans and leases to deposits | 77.6352% | 3,065 |
| Net loans and leases to core deposits | 90.6488% | 2,168 |
| Total domestic deposits to total assets | 85.3079% | 3,613 |
| Equity capital to assets | 8.3392% | 6,451 |
| Core capital (leverage) ratio | 7.7016% | 6,638 |
| Tier 1 risk-based capital ratio | 10.6571% | 6,719 |
| Total risk-based capital ratio | 11.2104% | 6,952 |
| Memoranda: | ||
| Average total assets | $581,266,500 | 1,135 |
| Average earning assets | $533,387,500 | 1,130 |
| Average equity | $49,994,250 | 1,366 |
| Average total loans | $407,920,500 | 1,041 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7038% | 867 |
| Cost of funding earning assets | 0.9567% | 4,272 |
| Net interest margin | 4.7471% | 662 |
| Noninterest income to average assets | 0.2999% | 5,489 |
| Noninterest expense to average assets | 3.3121% | 2,516 |
| Loan and lease loss provision to assets | 0.0776% | 5,341 |
| Net operating income to assets | 0.8362% | 2,919 |
| Return on assets (ROA) | 0.8152% | 3,134 |
| Pretax return on assets | 1.2432% | 2,337 |
| Return on Equity (ROE) | 9.3351% | 2,368 |
| Retained earnings to average equity (ytd only) | 7.8067% | 1,528 |
| Net charge-offs to loans | 0.2313% | 3,738 |
| Credit loss provision to net charge-offs | 46.6200% | 4,664 |
| Earnings coverage of net charge-offs (x) | 8.1259% | 2,114 |
| Efficiency ratio | 69.3811% | 4,244 |
| Assets per employee ($millions) | 4.7957% | 2,411 |
| Cash dividends to net income (ytd only)* | 16.3732% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4455% | 7,263 |
| Loan loss allowance to noncurrent loans | 34.1051% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 1.3964% | 4,130 |
| Noncurrent loans to loans | 1.3062% | 4,463 |
| Net loans and leases to total assets | 66.4563% | 2,937 |
| Net loans and leases to deposits | 77.2813% | 3,253 |
| Net loans and leases to core deposits | 90.3714% | 2,326 |
| Total domestic deposits to total assets | 85.9927% | 3,331 |
| Equity capital to assets | 8.3738% | 6,338 |
| Core capital (leverage) ratio | 7.6178% | 6,653 |
| Tier 1 risk-based capital ratio | 10.6410% | 6,737 |
| Total risk-based capital ratio | 11.0682% | 7,027 |
| Memoranda: | ||
| Average total assets | $515,448,000 | 1,306 |
| Average earning assets | $473,929,000 | 1,299 |
| Average equity | $45,012,670 | 1,498 |
| Average total loans | $370,972,330 | 1,176 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0279% | 2,972 |
| Cost of funding earning assets | 1.0461% | 3,878 |
| Net interest margin | 3.9818% | 2,764 |
| Noninterest income to average assets | 0.2218% | 6,146 |
| Noninterest expense to average assets | 2.7839% | 4,516 |
| Loan and lease loss provision to assets | 0.1512% | 4,133 |
| Net operating income to assets | 0.6436% | 3,784 |
| Return on assets (ROA) | 0.6685% | 3,740 |
| Pretax return on assets | 1.0325% | 3,011 |
| Return on Equity (ROE) | 7.3678% | 3,214 |
| Retained earnings to average equity (ytd only) | 5.8120% | 2,748 |
| Net charge-offs to loans | 0.6475% | 1,909 |
| Credit loss provision to net charge-offs | 30.3644% | 4,112 |
| Earnings coverage of net charge-offs (x) | 2.2996% | 3,162 |
| Efficiency ratio | 70.8494% | 4,085 |
| Assets per employee ($millions) | 5.0573% | 2,082 |
| Cash dividends to net income (ytd only)* | 21.1161% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6885% | 7,088 |
| Loan loss allowance to noncurrent loans | 131.4356% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 5,106 |
| Noncurrent loans to loans | 0.5238% | 5,978 |
| Net loans and leases to total assets | 76.6860% | 928 |
| Net loans and leases to deposits | 88.7812% | 1,377 |
| Net loans and leases to core deposits | 115.2037% | 558 |
| Total domestic deposits to total assets | 86.3764% | 3,297 |
| Equity capital to assets | 9.0667% | 5,101 |
| Core capital (leverage) ratio | 9.0296% | 4,570 |
| Tier 1 risk-based capital ratio | 11.3706% | 6,201 |
| Total risk-based capital ratio | 12.0412% | 6,623 |
| Memoranda: | ||
| Average total assets | $396,706,500 | 1,669 |
| Average earning assets | $369,378,500 | 1,634 |
| Average equity | $35,994,500 | 1,838 |
| Average total loans | $305,154,000 | 1,432 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1544% | 3,828 |
| Cost of funding earning assets | 1.2643% | 4,112 |
| Net interest margin | 3.8901% | 3,540 |
| Noninterest income to average assets | 0.2713% | 5,841 |
| Noninterest expense to average assets | 2.8111% | 4,560 |
| Loan and lease loss provision to assets | 0.2810% | 4,563 |
| Net operating income to assets | 0.5183% | 4,013 |
| Return on assets (ROA) | 0.5183% | 4,167 |
| Pretax return on assets | 0.8026% | 3,623 |
| Return on Equity (ROE) | 5.6687% | 3,746 |
| Retained earnings to average equity (ytd only) | 4.3452% | 2,797 |
| Net charge-offs to loans | 0.3833% | 4,121 |
| Credit loss provision to net charge-offs | 98.8128% | 4,680 |
| Earnings coverage of net charge-offs (x) | 3.8110% | 3,178 |
| Efficiency ratio | 72.1781% | 3,758 |
| Assets per employee ($millions) | 4.9859% | 2,171 |
| Cash dividends to net income (ytd only)* | 23.3467% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8178% | 6,932 |
| Loan loss allowance to noncurrent loans | 91.0701% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.9807% | 5,048 |
| Noncurrent loans to loans | 0.8979% | 5,265 |
| Net loans and leases to total assets | 75.9953% | 1,274 |
| Net loans and leases to deposits | 87.8338% | 1,814 |
| Net loans and leases to core deposits | 112.5527% | 787 |
| Total domestic deposits to total assets | 86.5217% | 3,066 |
| Equity capital to assets | 9.0801% | 5,024 |
| Core capital (leverage) ratio | 8.8779% | 4,732 |
| Tier 1 risk-based capital ratio | 11.2532% | 6,129 |
| Total risk-based capital ratio | 12.0357% | 6,469 |
| Memoranda: | ||
| Average total assets | $385,121,400 | 1,704 |
| Average earning assets | $358,703,200 | 1,668 |
| Average equity | $35,211,200 | 1,884 |
| Average total loans | $285,697,400 | 1,571 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1254% | 4,193 |
| Cost of funding earning assets | 1.2930% | 4,264 |
| Net interest margin | 3.8323% | 3,827 |
| Noninterest income to average assets | 0.2298% | 6,253 |
| Noninterest expense to average assets | 2.7889% | 4,537 |
| Loan and lease loss provision to assets | 0.1532% | 5,508 |
| Net operating income to assets | 0.5623% | 4,041 |
| Return on assets (ROA) | 0.5623% | 4,209 |
| Pretax return on assets | 0.8562% | 3,711 |
| Return on Equity (ROE) | 6.1395% | 3,753 |
| Retained earnings to average equity (ytd only) | 4.8127% | 3,117 |
| Net charge-offs to loans | 0.5188% | 3,220 |
| Credit loss provision to net charge-offs | 40.1460% | 6,014 |
| Earnings coverage of net charge-offs (x) | 2.6451% | 3,833 |
| Efficiency ratio | 73.4256% | 3,429 |
| Assets per employee ($millions) | 5.1029% | 2,053 |
| Cash dividends to net income (ytd only)* | 21.6098% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6124% | 7,335 |
| Loan loss allowance to noncurrent loans | 61.2957% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 0.9431% | 5,212 |
| Noncurrent loans to loans | 0.9990% | 5,236 |
| Net loans and leases to total assets | 73.5157% | 1,906 |
| Net loans and leases to deposits | 86.7572% | 2,192 |
| Net loans and leases to core deposits | 113.5853% | 857 |
| Total domestic deposits to total assets | 84.7373% | 3,758 |
| Equity capital to assets | 8.8769% | 5,737 |
| Core capital (leverage) ratio | 8.9349% | 4,788 |
| Tier 1 risk-based capital ratio | 11.2031% | 6,185 |
| Total risk-based capital ratio | 11.7838% | 6,741 |
| Memoranda: | ||
| Average total assets | $382,930,500 | 1,739 |
| Average earning assets | $356,569,750 | 1,700 |
| Average equity | $35,072,750 | 1,910 |
| Average total loans | $281,671,250 | 1,606 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1178% | 4,357 |
| Cost of funding earning assets | 1.3285% | 4,353 |
| Net interest margin | 3.7893% | 3,942 |
| Noninterest income to average assets | 0.2180% | 6,358 |
| Noninterest expense to average assets | 2.7448% | 4,716 |
| Loan and lease loss provision to assets | 0.1276% | 5,607 |
| Net operating income to assets | 0.5742% | 3,975 |
| Return on assets (ROA) | 0.5742% | 4,122 |
| Pretax return on assets | 0.8698% | 3,623 |
| Return on Equity (ROE) | 6.2006% | 3,698 |
| Retained earnings to average equity (ytd only) | 4.8629% | 2,974 |
| Net charge-offs to loans | 0.0065% | 6,278 |
| Credit loss provision to net charge-offs | 2,666.6667% | 158 |
| Earnings coverage of net charge-offs (x) | 208.4444% | 162 |
| Efficiency ratio | 73.3485% | 3,589 |
| Assets per employee ($millions) | 5.0640% | 2,101 |
| Cash dividends to net income (ytd only)* | 21.5741% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 6,626 |
| Loan loss allowance to noncurrent loans | 58.1814% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.2213% | 4,694 |
| Noncurrent loans to loans | 1.6176% | 4,280 |
| Net loans and leases to total assets | 71.3757% | 2,572 |
| Net loans and leases to deposits | 89.4447% | 1,939 |
| Net loans and leases to core deposits | 113.3138% | 960 |
| Total domestic deposits to total assets | 79.7987% | 5,789 |
| Equity capital to assets | 8.8504% | 5,667 |
| Core capital (leverage) ratio | 9.0014% | 4,598 |
| Tier 1 risk-based capital ratio | 11.3084% | 5,935 |
| Total risk-based capital ratio | 12.1897% | 6,287 |
| Memoranda: | ||
| Average total assets | $376,198,670 | 1,783 |
| Average earning assets | $349,879,000 | 1,746 |
| Average equity | $34,835,330 | 1,917 |
| Average total loans | $276,166,000 | 1,657 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1925% | 4,061 |
| Cost of funding earning assets | 1.3582% | 4,433 |
| Net interest margin | 3.8343% | 3,650 |
| Noninterest income to average assets | 0.2515% | 6,143 |
| Noninterest expense to average assets | 2.8814% | 4,132 |
| Loan and lease loss provision to assets | 0.0769% | 5,874 |
| Net operating income to assets | 0.5622% | 4,070 |
| Return on assets (ROA) | 0.5622% | 4,217 |
| Pretax return on assets | 0.8488% | 3,676 |
| Return on Equity (ROE) | 5.9277% | 3,911 |
| Retained earnings to average equity (ytd only) | 4.5847% | 3,394 |
| Net charge-offs to loans | 0.0193% | 5,315 |
| Credit loss provision to net charge-offs | 538.4615% | 788 |
| Earnings coverage of net charge-offs (x) | 64.8462% | 473 |
| Efficiency ratio | 75.6850% | 3,277 |
| Assets per employee ($millions) | 4.8037% | 2,507 |
| Cash dividends to net income (ytd only)* | 22.6563% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 6,740 |
| Loan loss allowance to noncurrent loans | 169.2667% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.4540% | 6,333 |
| Noncurrent loans to loans | 0.5494% | 6,195 |
| Net loans and leases to total assets | 71.2757% | 2,625 |
| Net loans and leases to deposits | 89.3652% | 2,009 |
| Net loans and leases to core deposits | 120.1807% | 777 |
| Total domestic deposits to total assets | 79.7578% | 5,869 |
| Equity capital to assets | 9.1617% | 5,044 |
| Core capital (leverage) ratio | 9.4151% | 3,894 |
| Tier 1 risk-based capital ratio | 11.9127% | 5,287 |
| Total risk-based capital ratio | 12.7927% | 5,607 |
| Memoranda: | ||
| Average total assets | $364,268,500 | 1,880 |
| Average earning assets | $337,794,000 | 1,850 |
| Average equity | $34,549,500 | 1,953 |
| Average total loans | $270,120,000 | 1,742 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5455% | 3,901 |
| Cost of funding earning assets | 1.6790% | 4,618 |
| Net interest margin | 3.8665% | 3,407 |
| Noninterest income to average assets | 0.2508% | 6,312 |
| Noninterest expense to average assets | 2.6869% | 5,445 |
| Loan and lease loss provision to assets | 0.2700% | 5,253 |
| Net operating income to assets | 0.5694% | 3,447 |
| Return on assets (ROA) | 0.6009% | 3,406 |
| Pretax return on assets | 0.9110% | 2,890 |
| Return on Equity (ROE) | 5.2947% | 3,534 |
| Retained earnings to average equity (ytd only) | 3.5712% | 2,679 |
| Net charge-offs to loans | 0.1585% | 5,689 |
| Credit loss provision to net charge-offs | 223.8806% | 1,676 |
| Earnings coverage of net charge-offs (x) | 9.3980% | 1,808 |
| Efficiency ratio | 70.3337% | 4,554 |
| Assets per employee ($millions) | 4.6539% | 2,680 |
| Cash dividends to net income (ytd only)* | 32.5512% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 6,711 |
| Loan loss allowance to noncurrent loans | 156.4943% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 6,315 |
| Noncurrent loans to loans | 0.5935% | 6,052 |
| Net loans and leases to total assets | 75.8451% | 1,843 |
| Net loans and leases to deposits | 92.2836% | 1,853 |
| Net loans and leases to core deposits | 157.5654% | 369 |
| Total domestic deposits to total assets | 82.1870% | 4,871 |
| Equity capital to assets | 9.8358% | 3,962 |
| Core capital (leverage) ratio | 9.5793% | 3,627 |
| Tier 1 risk-based capital ratio | 11.9647% | 4,972 |
| Total risk-based capital ratio | 12.8391% | 5,264 |
| Memoranda: | ||
| Average total assets | $333,354,200 | 2,036 |
| Average earning assets | $307,745,600 | 2,023 |
| Average equity | $37,830,400 | 1,767 |
| Average total loans | $253,624,800 | 1,872 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5692% | 4,038 |
| Cost of funding earning assets | 1.7373% | 4,713 |
| Net interest margin | 3.8320% | 3,514 |
| Noninterest income to average assets | 0.2509% | 6,442 |
| Noninterest expense to average assets | 2.6190% | 5,650 |
| Loan and lease loss provision to assets | 0.3076% | 4,509 |
| Net operating income to assets | 0.5679% | 3,733 |
| Return on assets (ROA) | 0.6103% | 3,625 |
| Pretax return on assets | 0.9248% | 3,149 |
| Return on Equity (ROE) | 5.1947% | 3,877 |
| Retained earnings to average equity (ytd only) | 3.3483% | 3,432 |
| Net charge-offs to loans | 0.2105% | 4,719 |
| Credit loss provision to net charge-offs | 192.4051% | 2,351 |
| Earnings coverage of net charge-offs (x) | 7.3064% | 2,429 |
| Efficiency ratio | 69.1568% | 4,755 |
| Assets per employee ($millions) | 4.9405% | 2,219 |
| Cash dividends to net income (ytd only)* | 35.5438% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 6,806 |
| Loan loss allowance to noncurrent loans | 137.3684% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 6,227 |
| Noncurrent loans to loans | 0.6467% | 6,005 |
| Net loans and leases to total assets | 75.7734% | 2,037 |
| Net loans and leases to deposits | 93.8696% | 1,905 |
| Net loans and leases to core deposits | 152.4217% | 526 |
| Total domestic deposits to total assets | 80.7220% | 5,187 |
| Equity capital to assets | 9.8576% | 4,268 |
| Core capital (leverage) ratio | 10.0602% | 3,222 |
| Tier 1 risk-based capital ratio | 11.9929% | 4,989 |
| Total risk-based capital ratio | 12.8318% | 5,297 |
| Memoranda: | ||
| Average total assets | $329,432,000 | 2,073 |
| Average earning assets | $303,996,250 | 2,067 |
| Average equity | $38,705,250 | 1,751 |
| Average total loans | $250,227,500 | 1,916 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5891% | 4,130 |
| Cost of funding earning assets | 1.7880% | 4,820 |
| Net interest margin | 3.8012% | 3,547 |
| Noninterest income to average assets | 0.2451% | 6,531 |
| Noninterest expense to average assets | 2.5737% | 5,843 |
| Loan and lease loss provision to assets | 0.3395% | 3,900 |
| Net operating income to assets | 0.5433% | 3,917 |
| Return on assets (ROA) | 0.6081% | 3,754 |
| Pretax return on assets | 0.9199% | 3,276 |
| Return on Equity (ROE) | 4.8952% | 4,124 |
| Retained earnings to average equity (ytd only) | 3.7422% | 3,213 |
| Net charge-offs to loans | 0.1589% | 4,607 |
| Credit loss provision to net charge-offs | 282.0513% | 1,660 |
| Earnings coverage of net charge-offs (x) | 9.6462% | 2,097 |
| Efficiency ratio | 68.9091% | 4,993 |
| Assets per employee ($millions) | 5.3139% | 1,757 |
| Cash dividends to net income (ytd only)* | 23.5533% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 6,701 |
| Loan loss allowance to noncurrent loans | 125.0802% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.5499% | 6,045 |
| Noncurrent loans to loans | 0.7321% | 5,780 |
| Net loans and leases to total assets | 74.4225% | 2,589 |
| Net loans and leases to deposits | 94.5565% | 2,011 |
| Net loans and leases to core deposits | 141.5964% | 950 |
| Total domestic deposits to total assets | 78.7069% | 5,896 |
| Equity capital to assets | 11.8974% | 2,262 |
| Core capital (leverage) ratio | 12.1851% | 1,757 |
| Tier 1 risk-based capital ratio | 14.7826% | 3,109 |
| Total risk-based capital ratio | 15.6429% | 3,245 |
| Memoranda: | ||
| Average total assets | $323,964,330 | 2,127 |
| Average earning assets | $297,434,330 | 2,133 |
| Average equity | $40,243,330 | 1,685 |
| Average total loans | $245,503,330 | 1,966 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6434% | 4,091 |
| Cost of funding earning assets | 1.8577% | 4,837 |
| Net interest margin | 3.7857% | 3,509 |
| Noninterest income to average assets | 0.2494% | 6,459 |
| Noninterest expense to average assets | 2.5223% | 5,754 |
| Loan and lease loss provision to assets | 0.3799% | 3,047 |
| Net operating income to assets | 0.5381% | 4,265 |
| Return on assets (ROA) | 0.5381% | 4,454 |
| Pretax return on assets | 0.8230% | 3,994 |
| Return on Equity (ROE) | 4.2358% | 4,824 |
| Retained earnings to average equity (ytd only) | 3.0797% | 4,163 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7090% | 5,021 |
| Assets per employee ($millions) | 5.1175% | 1,938 |
| Cash dividends to net income (ytd only)* | 27.2941% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9188% | 6,660 |
| Loan loss allowance to noncurrent loans | 140.0368% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 5,953 |
| Noncurrent loans to loans | 0.6561% | 5,765 |
| Net loans and leases to total assets | 76.3936% | 2,190 |
| Net loans and leases to deposits | 102.2556% | 1,151 |
| Net loans and leases to core deposits | 148.4999% | 757 |
| Total domestic deposits to total assets | 74.7084% | 6,762 |
| Equity capital to assets | 12.4884% | 1,980 |
| Core capital (leverage) ratio | 12.6938% | 1,606 |
| Tier 1 risk-based capital ratio | 15.1945% | 2,971 |
| Total risk-based capital ratio | 16.0657% | 3,078 |
| Memoranda: | ||
| Average total assets | $315,900,500 | 2,180 |
| Average earning assets | $290,035,500 | 2,183 |
| Average equity | $40,134,000 | 1,700 |
| Average total loans | $240,533,000 | 2,021 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1306% | 4,895 |
| Cost of funding earning assets | 2.3461% | 4,941 |
| Net interest margin | 3.7845% | 4,084 |
| Noninterest income to average assets | 0.3349% | 6,058 |
| Noninterest expense to average assets | 2.6577% | 5,419 |
| Loan and lease loss provision to assets | 0.1524% | 5,413 |
| Net operating income to assets | 0.6544% | 4,088 |
| Return on assets (ROA) | 0.6537% | 3,942 |
| Pretax return on assets | 1.0040% | 3,368 |
| Return on Equity (ROE) | 5.3524% | 4,214 |
| Retained earnings to average equity (ytd only) | 3.9391% | 2,673 |
| Net charge-offs to loans | 0.0079% | 6,833 |
| Credit loss provision to net charge-offs | 2,441.1765% | 192 |
| Earnings coverage of net charge-offs (x) | 185.4118% | 254 |
| Efficiency ratio | 69.6602% | 4,418 |
| Assets per employee ($millions) | 4.9111% | 2,040 |
| Cash dividends to net income (ytd only)* | 26.4045% | 4,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8534% | 6,887 |
| Loan loss allowance to noncurrent loans | 212.1925% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 6,392 |
| Noncurrent loans to loans | 0.4022% | 6,141 |
| Net loans and leases to total assets | 74.5004% | 2,992 |
| Net loans and leases to deposits | 99.3470% | 1,931 |
| Net loans and leases to core deposits | 136.3328% | 1,471 |
| Total domestic deposits to total assets | 74.9901% | 6,454 |
| Equity capital to assets | 12.9300% | 1,819 |
| Core capital (leverage) ratio | 13.5342% | 1,375 |
| Tier 1 risk-based capital ratio | 16.0328% | 2,652 |
| Total risk-based capital ratio | 16.8358% | 2,743 |
| Memoranda: | ||
| Average total assets | $272,299,000 | 2,366 |
| Average earning assets | $250,415,400 | 2,366 |
| Average equity | $33,256,000 | 2,034 |
| Average total loans | $216,098,000 | 2,164 |