Home > Ouachita Independent Bank > Performance and Condition Ratios
Ouachita Independent Bank, Performance and Condition Ratios
| 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 | 4.3242% | 2,249 |
| Cost of funding earning assets | 0.4493% | 2,784 |
| Net interest margin | 3.8749% | 2,167 |
| Noninterest income to average assets | 0.7516% | 1,766 |
| Noninterest expense to average assets | 2.6911% | 3,154 |
| Loan and lease loss provision to assets | 0.0070% | 4,125 |
| Net operating income to assets | 1.6631% | 569 |
| Return on assets (ROA) | 1.6631% | 587 |
| Pretax return on assets | 1.6631% | 1,115 |
| Return on Equity (ROE) | 15.5400% | 537 |
| Retained earnings to average equity (ytd only) | 9.3345% | 451 |
| Net charge-offs to loans | 0.0221% | 3,360 |
| Credit loss provision to net charge-offs | 45.4545% | 3,380 |
| Earnings coverage of net charge-offs (x) | 108.5455% | 611 |
| Efficiency ratio | 61.7050% | 3,983 |
| Assets per employee ($millions) | 4.3963% | 3,352 |
| Cash dividends to net income (ytd only)* | 39.9327% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 4,003 |
| Loan loss allowance to noncurrent loans | 472.4832% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 4,400 |
| Noncurrent loans to loans | 0.2094% | 4,072 |
| Net loans and leases to total assets | 70.0942% | 2,508 |
| Net loans and leases to deposits | 82.1086% | 2,707 |
| Net loans and leases to core deposits | 85.7098% | 2,931 |
| Total domestic deposits to total assets | 85.3677% | 2,701 |
| Equity capital to assets | 11.3397% | 2,336 |
| Core capital (leverage) ratio | 11.1332% | 2,214 |
| Tier 1 risk-based capital ratio | 14.8521% | 2,905 |
| Total risk-based capital ratio | 15.7691% | 2,998 |
| Memoranda: | ||
| Average total assets | $714,920,000 | 1,023 |
| Average earning assets | $665,978,000 | 1,018 |
| Average equity | $76,512,200 | 1,056 |
| Average total loans | $496,960,400 | 1,036 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 2,326 |
| Cost of funding earning assets | 0.4453% | 2,758 |
| Net interest margin | 3.8324% | 2,278 |
| Noninterest income to average assets | 0.7599% | 1,734 |
| Noninterest expense to average assets | 2.6484% | 3,253 |
| Loan and lease loss provision to assets | 0.0093% | 3,947 |
| Net operating income to assets | 1.6721% | 616 |
| Return on assets (ROA) | 1.6721% | 631 |
| Pretax return on assets | 1.6721% | 1,190 |
| Return on Equity (ROE) | 15.8553% | 540 |
| Retained earnings to average equity (ytd only) | 7.4926% | 1,433 |
| Net charge-offs to loans | 0.0183% | 3,130 |
| Credit loss provision to net charge-offs | 73.5294% | 2,658 |
| Earnings coverage of net charge-offs (x) | 133.1241% | 581 |
| Efficiency ratio | 61.1669% | 4,018 |
| Assets per employee ($millions) | 4.5086% | 3,124 |
| Cash dividends to net income (ytd only)* | 52.7438% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 4,068 |
| Loan loss allowance to noncurrent loans | 489.1732% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 4,533 |
| Noncurrent loans to loans | 0.2041% | 4,263 |
| Net loans and leases to total assets | 67.4613% | 2,926 |
| Net loans and leases to deposits | 80.9865% | 2,876 |
| Net loans and leases to core deposits | 84.6966% | 3,071 |
| Total domestic deposits to total assets | 83.2994% | 3,357 |
| Equity capital to assets | 10.7402% | 3,124 |
| Core capital (leverage) ratio | 10.6959% | 2,770 |
| Tier 1 risk-based capital ratio | 14.3108% | 3,292 |
| Total risk-based capital ratio | 15.2354% | 3,365 |
| Memoranda: | ||
| Average total assets | $717,799,500 | 1,027 |
| Average earning assets | $668,628,000 | 1,022 |
| Average equity | $75,699,250 | 1,070 |
| Average total loans | $496,707,500 | 1,036 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2570% | 2,258 |
| Cost of funding earning assets | 0.4380% | 2,718 |
| Net interest margin | 3.8190% | 2,216 |
| Noninterest income to average assets | 0.7592% | 1,729 |
| Noninterest expense to average assets | 2.6463% | 3,280 |
| Loan and lease loss provision to assets | 0.0140% | 3,673 |
| Net operating income to assets | 1.6525% | 624 |
| Return on assets (ROA) | 1.6525% | 645 |
| Pretax return on assets | 1.6525% | 1,187 |
| Return on Equity (ROE) | 15.7681% | 560 |
| Retained earnings to average equity (ytd only) | 6.5121% | 1,838 |
| Net charge-offs to loans | 0.0064% | 3,227 |
| Credit loss provision to net charge-offs | 312.5000% | 934 |
| Earnings coverage of net charge-offs (x) | 371.6250% | 230 |
| Efficiency ratio | 61.3595% | 4,109 |
| Assets per employee ($millions) | 4.3999% | 3,271 |
| Cash dividends to net income (ytd only)* | 58.7008% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 4,072 |
| Loan loss allowance to noncurrent loans | 589.4366% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 4,699 |
| Noncurrent loans to loans | 0.1717% | 4,433 |
| Net loans and leases to total assets | 66.8392% | 2,980 |
| Net loans and leases to deposits | 79.9297% | 2,915 |
| Net loans and leases to core deposits | 84.0147% | 3,068 |
| Total domestic deposits to total assets | 83.6225% | 3,354 |
| Equity capital to assets | 10.4512% | 3,403 |
| Core capital (leverage) ratio | 10.3315% | 3,102 |
| Tier 1 risk-based capital ratio | 13.8632% | 3,495 |
| Total risk-based capital ratio | 14.7902% | 3,593 |
| Memoranda: | ||
| Average total assets | $713,603,330 | 1,033 |
| Average earning assets | $663,988,670 | 1,027 |
| Average equity | $74,784,000 | 1,081 |
| Average total loans | $496,377,000 | 1,030 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2717% | 2,038 |
| Cost of funding earning assets | 0.4182% | 2,829 |
| Net interest margin | 3.8535% | 1,945 |
| Noninterest income to average assets | 0.7385% | 1,787 |
| Noninterest expense to average assets | 2.6344% | 3,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6796% | 578 |
| Return on assets (ROA) | 1.6796% | 590 |
| Pretax return on assets | 1.6796% | 1,047 |
| Return on Equity (ROE) | 16.0046% | 529 |
| Retained earnings to average equity (ytd only) | 10.9191% | 621 |
| Net charge-offs to loans | -0.0056% | 4,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0657% | 4,308 |
| Assets per employee ($millions) | 4.5777% | 3,041 |
| Cash dividends to net income (ytd only)* | 31.7751% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 4,261 |
| Loan loss allowance to noncurrent loans | 637.9310% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 4,844 |
| Noncurrent loans to loans | 0.1572% | 4,559 |
| Net loans and leases to total assets | 67.3410% | 2,770 |
| Net loans and leases to deposits | 81.2649% | 2,596 |
| Net loans and leases to core deposits | 85.0270% | 2,814 |
| Total domestic deposits to total assets | 82.8661% | 3,898 |
| Equity capital to assets | 10.2821% | 3,425 |
| Core capital (leverage) ratio | 10.7935% | 2,604 |
| Tier 1 risk-based capital ratio | 13.7498% | 3,635 |
| Total risk-based capital ratio | 14.6694% | 3,739 |
| Memoranda: | ||
| Average total assets | $703,010,500 | 1,047 |
| Average earning assets | $652,296,000 | 1,042 |
| Average equity | $73,779,000 | 1,087 |
| Average total loans | $496,491,000 | 1,024 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 1,833 |
| Cost of funding earning assets | 0.4322% | 2,689 |
| Net interest margin | 3.9635% | 1,746 |
| Noninterest income to average assets | 0.8110% | 1,713 |
| Noninterest expense to average assets | 2.7582% | 3,163 |
| Loan and lease loss provision to assets | 0.0241% | 3,879 |
| Net operating income to assets | 1.7229% | 516 |
| Return on assets (ROA) | 1.7229% | 546 |
| Pretax return on assets | 1.7229% | 942 |
| Return on Equity (ROE) | 16.2602% | 484 |
| Retained earnings to average equity (ytd only) | 9.6906% | 464 |
| Net charge-offs to loans | 0.0107% | 3,911 |
| Credit loss provision to net charge-offs | 317.6471% | 937 |
| Earnings coverage of net charge-offs (x) | 229.8627% | 308 |
| Efficiency ratio | 61.2219% | 4,380 |
| Assets per employee ($millions) | 4.2632% | 3,506 |
| Cash dividends to net income (ytd only)* | 40.4031% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 4,267 |
| Loan loss allowance to noncurrent loans | 408.8525% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 4,595 |
| Noncurrent loans to loans | 0.2466% | 4,271 |
| Net loans and leases to total assets | 72.7108% | 2,059 |
| Net loans and leases to deposits | 85.7978% | 2,207 |
| Net loans and leases to core deposits | 89.7264% | 2,530 |
| Total domestic deposits to total assets | 84.7467% | 3,156 |
| Equity capital to assets | 10.7259% | 2,893 |
| Core capital (leverage) ratio | 10.6697% | 2,698 |
| Tier 1 risk-based capital ratio | 13.4179% | 3,823 |
| Total risk-based capital ratio | 14.3389% | 3,925 |
| Memoranda: | ||
| Average total assets | $671,020,600 | 1,058 |
| Average earning assets | $625,435,800 | 1,044 |
| Average equity | $71,100,000 | 1,107 |
| Average total loans | $478,267,000 | 1,015 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3851% | 1,908 |
| Cost of funding earning assets | 0.4326% | 2,707 |
| Net interest margin | 3.9524% | 1,807 |
| Noninterest income to average assets | 0.8278% | 1,657 |
| Noninterest expense to average assets | 2.7619% | 3,135 |
| Loan and lease loss provision to assets | 0.0099% | 4,040 |
| Net operating income to assets | 1.7444% | 546 |
| Return on assets (ROA) | 1.7444% | 582 |
| Pretax return on assets | 1.7444% | 1,015 |
| Return on Equity (ROE) | 16.5144% | 492 |
| Retained earnings to average equity (ytd only) | 7.7197% | 1,300 |
| Net charge-offs to loans | 0.0098% | 3,581 |
| Credit loss provision to net charge-offs | 142.8571% | 1,836 |
| Earnings coverage of net charge-offs (x) | 252.0043% | 318 |
| Efficiency ratio | 61.1547% | 4,363 |
| Assets per employee ($millions) | 4.1998% | 3,590 |
| Cash dividends to net income (ytd only)* | 53.2550% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 4,474 |
| Loan loss allowance to noncurrent loans | 966.7984% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 5,140 |
| Noncurrent loans to loans | 0.1023% | 4,927 |
| Net loans and leases to total assets | 71.1243% | 2,329 |
| Net loans and leases to deposits | 84.9173% | 2,380 |
| Net loans and leases to core deposits | 88.5872% | 2,703 |
| Total domestic deposits to total assets | 83.7572% | 3,292 |
| Equity capital to assets | 10.6546% | 3,404 |
| Core capital (leverage) ratio | 10.3528% | 3,152 |
| Tier 1 risk-based capital ratio | 12.8740% | 4,236 |
| Total risk-based capital ratio | 13.7753% | 4,360 |
| Memoranda: | ||
| Average total assets | $670,379,500 | 1,057 |
| Average earning assets | $625,623,000 | 1,043 |
| Average equity | $70,813,000 | 1,115 |
| Average total loans | $474,144,500 | 1,018 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3969% | 1,839 |
| Cost of funding earning assets | 0.4377% | 2,675 |
| Net interest margin | 3.9591% | 1,775 |
| Noninterest income to average assets | 0.8361% | 1,592 |
| Noninterest expense to average assets | 2.7983% | 3,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7361% | 540 |
| Return on assets (ROA) | 1.7361% | 571 |
| Pretax return on assets | 1.7361% | 1,010 |
| Return on Equity (ROE) | 16.4847% | 486 |
| Retained earnings to average equity (ytd only) | 6.9330% | 1,636 |
| Net charge-offs to loans | -0.0111% | 4,733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7131% | 4,385 |
| Assets per employee ($millions) | 4.3046% | 3,359 |
| Cash dividends to net income (ytd only)* | 57.9431% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 4,411 |
| Loan loss allowance to noncurrent loans | 824.0336% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 5,133 |
| Noncurrent loans to loans | 0.1236% | 4,950 |
| Net loans and leases to total assets | 71.3925% | 2,267 |
| Net loans and leases to deposits | 83.4502% | 2,535 |
| Net loans and leases to core deposits | 87.0118% | 2,815 |
| Total domestic deposits to total assets | 85.5510% | 2,626 |
| Equity capital to assets | 10.7935% | 3,294 |
| Core capital (leverage) ratio | 10.1273% | 3,416 |
| Tier 1 risk-based capital ratio | 12.7964% | 4,318 |
| Total risk-based capital ratio | 13.7163% | 4,455 |
| Memoranda: | ||
| Average total assets | $664,250,670 | 1,070 |
| Average earning assets | $620,488,670 | 1,052 |
| Average equity | $69,955,670 | 1,129 |
| Average total loans | $467,268,670 | 1,030 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3852% | 1,847 |
| Cost of funding earning assets | 0.4376% | 2,700 |
| Net interest margin | 3.9476% | 1,793 |
| Noninterest income to average assets | 0.7085% | 2,001 |
| Noninterest expense to average assets | 2.8100% | 3,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5843% | 719 |
| Return on assets (ROA) | 1.5843% | 760 |
| Pretax return on assets | 1.5843% | 1,339 |
| Return on Equity (ROE) | 15.2338% | 631 |
| Retained earnings to average equity (ytd only) | 8.9024% | 1,146 |
| Net charge-offs to loans | -0.0017% | 4,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9473% | 4,134 |
| Assets per employee ($millions) | 4.1259% | 3,715 |
| Cash dividends to net income (ytd only)* | 41.5619% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 4,241 |
| Loan loss allowance to noncurrent loans | 539.1160% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 5,030 |
| Noncurrent loans to loans | 0.1981% | 4,707 |
| Net loans and leases to total assets | 67.1978% | 2,782 |
| Net loans and leases to deposits | 78.2484% | 2,977 |
| Net loans and leases to core deposits | 81.6873% | 3,156 |
| Total domestic deposits to total assets | 85.8776% | 2,722 |
| Equity capital to assets | 10.4251% | 3,581 |
| Core capital (leverage) ratio | 9.9810% | 3,551 |
| Tier 1 risk-based capital ratio | 13.2510% | 4,119 |
| Total risk-based capital ratio | 14.2114% | 4,210 |
| Memoranda: | ||
| Average total assets | $662,768,000 | 1,069 |
| Average earning assets | $618,804,500 | 1,055 |
| Average equity | $68,925,500 | 1,141 |
| Average total loans | $460,280,500 | 1,046 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4260% | 1,815 |
| Cost of funding earning assets | 0.4436% | 2,695 |
| Net interest margin | 3.9824% | 1,775 |
| Noninterest income to average assets | 0.9195% | 1,381 |
| Noninterest expense to average assets | 2.8537% | 3,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.7916% | 490 |
| Return on assets (ROA) | 1.7951% | 502 |
| Pretax return on assets | 1.7951% | 814 |
| Return on Equity (ROE) | 15.6796% | 590 |
| Retained earnings to average equity (ytd only) | -14.3373% | 6,084 |
| Net charge-offs to loans | 0.0181% | 3,922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 139.6190% | 445 |
| Efficiency ratio | 61.4325% | 4,697 |
| Assets per employee ($millions) | 3.9102% | 4,104 |
| Cash dividends to net income (ytd only)* | 191.4390% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 4,304 |
| Loan loss allowance to noncurrent loans | 828.0136% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 5,254 |
| Noncurrent loans to loans | 0.1270% | 4,987 |
| Net loans and leases to total assets | 70.2718% | 2,326 |
| Net loans and leases to deposits | 81.6235% | 2,637 |
| Net loans and leases to core deposits | 85.2009% | 2,862 |
| Total domestic deposits to total assets | 86.0926% | 2,594 |
| Equity capital to assets | 10.3734% | 3,533 |
| Core capital (leverage) ratio | 9.7237% | 3,878 |
| Tier 1 risk-based capital ratio | 12.9691% | 4,344 |
| Total risk-based capital ratio | 13.9306% | 4,424 |
| Memoranda: | ||
| Average total assets | $654,626,000 | 1,044 |
| Average earning assets | $612,449,600 | 1,025 |
| Average equity | $74,944,600 | 1,021 |
| Average total loans | $462,869,200 | 996 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4214% | 1,847 |
| Cost of funding earning assets | 0.4441% | 2,747 |
| Net interest margin | 3.9773% | 1,775 |
| Noninterest income to average assets | 0.9143% | 1,413 |
| Noninterest expense to average assets | 2.8332% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8022% | 518 |
| Return on assets (ROA) | 1.8022% | 539 |
| Pretax return on assets | 1.8022% | 899 |
| Return on Equity (ROE) | 15.3820% | 680 |
| Retained earnings to average equity (ytd only) | -23.7001% | 6,215 |
| Net charge-offs to loans | 0.0256% | 3,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 99.4863% | 633 |
| Efficiency ratio | 61.1206% | 4,705 |
| Assets per employee ($millions) | 4.1180% | 3,677 |
| Cash dividends to net income (ytd only)* | 254.0772% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 4,477 |
| Loan loss allowance to noncurrent loans | 1,428.7390% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 5,473 |
| Noncurrent loans to loans | 0.0734% | 5,335 |
| Net loans and leases to total assets | 68.0822% | 2,661 |
| Net loans and leases to deposits | 81.9235% | 2,655 |
| Net loans and leases to core deposits | 85.7973% | 2,871 |
| Total domestic deposits to total assets | 83.1046% | 3,778 |
| Equity capital to assets | 9.7176% | 4,497 |
| Core capital (leverage) ratio | 9.3308% | 4,543 |
| Tier 1 risk-based capital ratio | 12.4106% | 4,820 |
| Total risk-based capital ratio | 13.3721% | 4,921 |
| Memoranda: | ||
| Average total assets | $655,030,750 | 1,052 |
| Average earning assets | $612,822,500 | 1,035 |
| Average equity | $76,746,000 | 998 |
| Average total loans | $462,647,250 | 1,003 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 1,820 |
| Cost of funding earning assets | 0.4455% | 2,777 |
| Net interest margin | 3.9647% | 1,761 |
| Noninterest income to average assets | 0.9030% | 1,434 |
| Noninterest expense to average assets | 2.8594% | 3,033 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7533% | 566 |
| Return on assets (ROA) | 1.7533% | 591 |
| Pretax return on assets | 1.7533% | 971 |
| Return on Equity (ROE) | 14.1277% | 877 |
| Retained earnings to average equity (ytd only) | 6.2298% | 2,103 |
| Net charge-offs to loans | 0.0403% | 2,877 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 61.1075% | 833 |
| Efficiency ratio | 61.9892% | 4,680 |
| Assets per employee ($millions) | 3.9900% | 3,902 |
| Cash dividends to net income (ytd only)* | 55.9036% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 4,600 |
| Loan loss allowance to noncurrent loans | 1,190.2200% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 5,539 |
| Noncurrent loans to loans | 0.0883% | 5,391 |
| Net loans and leases to total assets | 70.0470% | 2,306 |
| Net loans and leases to deposits | 84.3702% | 2,267 |
| Net loans and leases to core deposits | 88.6087% | 2,497 |
| Total domestic deposits to total assets | 83.0234% | 3,950 |
| Equity capital to assets | 12.3438% | 1,773 |
| Core capital (leverage) ratio | 12.0278% | 1,648 |
| Tier 1 risk-based capital ratio | 15.5260% | 3,090 |
| Total risk-based capital ratio | 16.4824% | 3,169 |
| Memoranda: | ||
| Average total assets | $648,254,330 | 1,068 |
| Average earning assets | $606,546,670 | 1,049 |
| Average equity | $80,451,670 | 955 |
| Average total loans | $461,972,330 | 1,003 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4349% | 1,648 |
| Cost of funding earning assets | 0.4476% | 2,790 |
| Net interest margin | 3.9873% | 1,599 |
| Noninterest income to average assets | 0.8493% | 1,560 |
| Noninterest expense to average assets | 2.8561% | 3,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7210% | 565 |
| Return on assets (ROA) | 1.7210% | 594 |
| Pretax return on assets | 1.7210% | 1,009 |
| Return on Equity (ROE) | 13.8296% | 910 |
| Retained earnings to average equity (ytd only) | 9.3758% | 1,076 |
| Net charge-offs to loans | 0.0954% | 1,770 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 25.2364% | 1,272 |
| Efficiency ratio | 62.4001% | 4,731 |
| Assets per employee ($millions) | 4.1377% | 3,685 |
| Cash dividends to net income (ytd only)* | 32.2046% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 4,764 |
| Loan loss allowance to noncurrent loans | 581.6547% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 5,446 |
| Noncurrent loans to loans | 0.1805% | 5,133 |
| Net loans and leases to total assets | 69.9383% | 2,151 |
| Net loans and leases to deposits | 83.5346% | 2,140 |
| Net loans and leases to core deposits | 87.7693% | 2,354 |
| Total domestic deposits to total assets | 83.7237% | 3,922 |
| Equity capital to assets | 12.4751% | 1,707 |
| Core capital (leverage) ratio | 12.0616% | 1,605 |
| Tier 1 risk-based capital ratio | 15.3018% | 3,259 |
| Total risk-based capital ratio | 16.2485% | 3,364 |
| Memoranda: | ||
| Average total assets | $645,205,500 | 1,078 |
| Average earning assets | $603,215,000 | 1,058 |
| Average equity | $80,291,500 | 954 |
| Average total loans | $461,347,500 | 1,007 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6536% | 1,413 |
| Cost of funding earning assets | 0.4920% | 2,750 |
| Net interest margin | 4.1616% | 1,401 |
| Noninterest income to average assets | 0.9002% | 1,502 |
| Noninterest expense to average assets | 2.8985% | 3,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.8779% | 406 |
| Return on assets (ROA) | 1.9241% | 392 |
| Pretax return on assets | 1.9241% | 601 |
| Return on Equity (ROE) | 16.6869% | 528 |
| Retained earnings to average equity (ytd only) | 9.5474% | 595 |
| Net charge-offs to loans | 0.0668% | 3,529 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 38.0784% | 1,127 |
| Efficiency ratio | 60.6842% | 5,118 |
| Assets per employee ($millions) | 3.8586% | 4,241 |
| Cash dividends to net income (ytd only)* | 42.7848% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 4,655 |
| Loan loss allowance to noncurrent loans | 500.6054% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 5,401 |
| Noncurrent loans to loans | 0.2151% | 5,047 |
| Net loans and leases to total assets | 71.5705% | 1,980 |
| Net loans and leases to deposits | 85.9480% | 1,993 |
| Net loans and leases to core deposits | 90.4597% | 2,234 |
| Total domestic deposits to total assets | 83.2718% | 3,986 |
| Equity capital to assets | 12.4127% | 1,697 |
| Core capital (leverage) ratio | 11.9610% | 1,650 |
| Tier 1 risk-based capital ratio | 15.6223% | 3,178 |
| Total risk-based capital ratio | 16.6351% | 3,228 |
| Memoranda: | ||
| Average total assets | $646,843,400 | 1,037 |
| Average earning assets | $602,483,600 | 1,016 |
| Average equity | $74,585,400 | 980 |
| Average total loans | $477,890,000 | 927 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6605% | 1,405 |
| Cost of funding earning assets | 0.4989% | 2,780 |
| Net interest margin | 4.1616% | 1,391 |
| Noninterest income to average assets | 0.8884% | 1,557 |
| Noninterest expense to average assets | 2.8056% | 3,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9585% | 373 |
| Return on assets (ROA) | 2.0199% | 347 |
| Pretax return on assets | 2.0199% | 542 |
| Return on Equity (ROE) | 17.8523% | 458 |
| Retained earnings to average equity (ytd only) | 8.3128% | 1,214 |
| Net charge-offs to loans | 0.0799% | 3,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 33.0072% | 1,289 |
| Efficiency ratio | 58.8907% | 5,322 |
| Assets per employee ($millions) | 4.1306% | 3,599 |
| Cash dividends to net income (ytd only)* | 53.4357% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 5,056 |
| Loan loss allowance to noncurrent loans | 114.0018% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.8556% | 3,278 |
| Noncurrent loans to loans | 0.9064% | 3,293 |
| Net loans and leases to total assets | 74.6590% | 1,420 |
| Net loans and leases to deposits | 88.9181% | 1,567 |
| Net loans and leases to core deposits | 95.0693% | 1,754 |
| Total domestic deposits to total assets | 83.9638% | 3,785 |
| Equity capital to assets | 11.9006% | 2,152 |
| Core capital (leverage) ratio | 11.3747% | 2,155 |
| Tier 1 risk-based capital ratio | 14.3541% | 3,979 |
| Total risk-based capital ratio | 15.3224% | 4,102 |
| Memoranda: | ||
| Average total assets | $649,388,750 | 1,043 |
| Average earning assets | $604,779,500 | 1,026 |
| Average equity | $73,475,000 | 996 |
| Average total loans | $482,206,750 | 928 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6098% | 1,507 |
| Cost of funding earning assets | 0.4987% | 2,848 |
| Net interest margin | 4.1111% | 1,475 |
| Noninterest income to average assets | 0.8175% | 1,776 |
| Noninterest expense to average assets | 2.6166% | 4,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0321% | 317 |
| Return on assets (ROA) | 2.1234% | 279 |
| Pretax return on assets | 2.1234% | 428 |
| Return on Equity (ROE) | 19.0907% | 355 |
| Retained earnings to average equity (ytd only) | 8.9211% | 1,014 |
| Net charge-offs to loans | 0.0743% | 2,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 37.0335% | 1,114 |
| Efficiency ratio | 56.2875% | 5,714 |
| Assets per employee ($millions) | 4.2181% | 3,427 |
| Cash dividends to net income (ytd only)* | 53.2698% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0527% | 5,104 |
| Loan loss allowance to noncurrent loans | 113.8616% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.8646% | 3,381 |
| Noncurrent loans to loans | 0.9245% | 3,408 |
| Net loans and leases to total assets | 74.2926% | 1,401 |
| Net loans and leases to deposits | 88.6830% | 1,511 |
| Net loans and leases to core deposits | 94.5927% | 1,730 |
| Total domestic deposits to total assets | 83.7732% | 4,005 |
| Equity capital to assets | 11.5881% | 2,337 |
| Core capital (leverage) ratio | 11.0251% | 2,402 |
| Tier 1 risk-based capital ratio | 14.1677% | 4,142 |
| Total risk-based capital ratio | 15.1625% | 4,259 |
| Memoranda: | ||
| Average total assets | $652,439,000 | 1,037 |
| Average earning assets | $608,014,000 | 1,023 |
| Average equity | $72,569,330 | 1,001 |
| Average total loans | $481,947,000 | 926 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 1,426 |
| Cost of funding earning assets | 0.4977% | 2,928 |
| Net interest margin | 4.1309% | 1,389 |
| Noninterest income to average assets | 0.8891% | 1,432 |
| Noninterest expense to average assets | 2.6702% | 4,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0702% | 295 |
| Return on assets (ROA) | 2.2519% | 225 |
| Pretax return on assets | 2.2519% | 329 |
| Return on Equity (ROE) | 20.6714% | 257 |
| Retained earnings to average equity (ytd only) | 13.4675% | 437 |
| Net charge-offs to loans | 0.1873% | 1,604 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 15.0889% | 1,565 |
| Efficiency ratio | 56.3288% | 5,808 |
| Assets per employee ($millions) | 3.9242% | 4,094 |
| Cash dividends to net income (ytd only)* | 34.8497% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 5,332 |
| Loan loss allowance to noncurrent loans | 273.9837% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 4,649 |
| Noncurrent loans to loans | 0.3816% | 4,979 |
| Net loans and leases to total assets | 72.5735% | 1,482 |
| Net loans and leases to deposits | 86.2385% | 1,568 |
| Net loans and leases to core deposits | 91.7355% | 1,755 |
| Total domestic deposits to total assets | 84.1544% | 4,222 |
| Equity capital to assets | 11.0661% | 2,665 |
| Core capital (leverage) ratio | 10.9883% | 2,403 |
| Tier 1 risk-based capital ratio | 13.8763% | 4,414 |
| Total risk-based capital ratio | 14.8531% | 4,561 |
| Memoranda: | ||
| Average total assets | $655,973,500 | 1,037 |
| Average earning assets | $611,580,000 | 1,021 |
| Average equity | $71,461,000 | 1,018 |
| Average total loans | $480,639,000 | 930 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7455% | 1,460 |
| Cost of funding earning assets | 0.5197% | 3,402 |
| Net interest margin | 4.2258% | 1,286 |
| Noninterest income to average assets | 0.9806% | 1,439 |
| Noninterest expense to average assets | 3.0413% | 2,927 |
| Loan and lease loss provision to assets | 0.0859% | 3,398 |
| Net operating income to assets | 1.7953% | 487 |
| Return on assets (ROA) | 1.8100% | 484 |
| Pretax return on assets | 1.8100% | 742 |
| Return on Equity (ROE) | 16.9600% | 505 |
| Retained earnings to average equity (ytd only) | 9.7901% | 593 |
| Net charge-offs to loans | 0.0263% | 4,896 |
| Credit loss provision to net charge-offs | 453.7190% | 506 |
| Earnings coverage of net charge-offs (x) | 99.3554% | 468 |
| Efficiency ratio | 61.7840% | 5,246 |
| Assets per employee ($millions) | 3.6260% | 4,623 |
| Cash dividends to net income (ytd only)* | 42.2754% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 5,120 |
| Loan loss allowance to noncurrent loans | 149.9148% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 4,345 |
| Noncurrent loans to loans | 0.7372% | 4,115 |
| Net loans and leases to total assets | 72.3922% | 1,615 |
| Net loans and leases to deposits | 85.6213% | 1,730 |
| Net loans and leases to core deposits | 91.7460% | 1,816 |
| Total domestic deposits to total assets | 84.5494% | 3,943 |
| Equity capital to assets | 10.7200% | 2,912 |
| Core capital (leverage) ratio | 10.5101% | 2,908 |
| Tier 1 risk-based capital ratio | 13.6615% | 4,544 |
| Total risk-based capital ratio | 14.7009% | 4,624 |
| Memoranda: | ||
| Average total assets | $639,069,800 | 1,046 |
| Average earning assets | $596,119,800 | 1,028 |
| Average equity | $68,201,800 | 1,048 |
| Average total loans | $460,250,600 | 925 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7460% | 1,485 |
| Cost of funding earning assets | 0.5194% | 3,572 |
| Net interest margin | 4.2266% | 1,258 |
| Noninterest income to average assets | 1.0053% | 1,436 |
| Noninterest expense to average assets | 3.0674% | 2,766 |
| Loan and lease loss provision to assets | 0.0950% | 3,174 |
| Net operating income to assets | 1.7824% | 541 |
| Return on assets (ROA) | 1.8022% | 546 |
| Pretax return on assets | 1.8022% | 907 |
| Return on Equity (ROE) | 16.9062% | 549 |
| Retained earnings to average equity (ytd only) | 7.4161% | 1,679 |
| Net charge-offs to loans | 0.0006% | 5,206 |
| Credit loss provision to net charge-offs | 22,650.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 4,469.8015% | 7 |
| Efficiency ratio | 62.0318% | 5,133 |
| Assets per employee ($millions) | 3.8170% | 4,197 |
| Cash dividends to net income (ytd only)* | 56.1337% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 5,160 |
| Loan loss allowance to noncurrent loans | 160.5024% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5863% | 4,683 |
| Noncurrent loans to loans | 0.7107% | 4,432 |
| Net loans and leases to total assets | 69.1990% | 2,099 |
| Net loans and leases to deposits | 82.5442% | 2,063 |
| Net loans and leases to core deposits | 88.7487% | 2,107 |
| Total domestic deposits to total assets | 83.8327% | 4,264 |
| Equity capital to assets | 10.2544% | 3,571 |
| Core capital (leverage) ratio | 10.2937% | 3,252 |
| Tier 1 risk-based capital ratio | 13.4059% | 4,833 |
| Total risk-based capital ratio | 14.4750% | 4,905 |
| Memoranda: | ||
| Average total assets | $635,667,500 | 1,061 |
| Average earning assets | $592,488,250 | 1,040 |
| Average equity | $67,760,500 | 1,060 |
| Average total loans | $455,871,000 | 941 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7804% | 1,374 |
| Cost of funding earning assets | 0.5251% | 3,651 |
| Net interest margin | 4.2553% | 1,127 |
| Noninterest income to average assets | 1.0173% | 1,481 |
| Noninterest expense to average assets | 3.1081% | 2,636 |
| Loan and lease loss provision to assets | 0.1134% | 2,920 |
| Net operating income to assets | 1.7609% | 557 |
| Return on assets (ROA) | 1.7829% | 576 |
| Pretax return on assets | 1.7829% | 964 |
| Return on Equity (ROE) | 16.5037% | 601 |
| Retained earnings to average equity (ytd only) | 5.6767% | 2,628 |
| Net charge-offs to loans | 0.0004% | 4,908 |
| Credit loss provision to net charge-offs | 35,500.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 5,868.0000% | 2 |
| Efficiency ratio | 62.3822% | 5,115 |
| Assets per employee ($millions) | 3.5280% | 4,799 |
| Cash dividends to net income (ytd only)* | 65.6037% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 5,362 |
| Loan loss allowance to noncurrent loans | 170.9127% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 4,756 |
| Noncurrent loans to loans | 0.6554% | 4,630 |
| Net loans and leases to total assets | 73.1780% | 1,377 |
| Net loans and leases to deposits | 86.1077% | 1,564 |
| Net loans and leases to core deposits | 92.2251% | 1,685 |
| Total domestic deposits to total assets | 84.9843% | 3,897 |
| Equity capital to assets | 10.4833% | 3,322 |
| Core capital (leverage) ratio | 10.2503% | 3,160 |
| Tier 1 risk-based capital ratio | 12.9769% | 5,160 |
| Total risk-based capital ratio | 14.0220% | 5,244 |
| Memoranda: | ||
| Average total assets | $626,169,670 | 1,071 |
| Average earning assets | $583,461,330 | 1,058 |
| Average equity | $67,645,330 | 1,067 |
| Average total loans | $452,862,670 | 937 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7135% | 1,499 |
| Cost of funding earning assets | 0.5200% | 3,885 |
| Net interest margin | 4.1935% | 1,204 |
| Noninterest income to average assets | 1.0274% | 1,405 |
| Noninterest expense to average assets | 3.0752% | 2,751 |
| Loan and lease loss provision to assets | 0.1663% | 2,199 |
| Net operating income to assets | 1.6966% | 589 |
| Return on assets (ROA) | 1.6966% | 650 |
| Pretax return on assets | 1.6966% | 1,084 |
| Return on Equity (ROE) | 15.4745% | 683 |
| Retained earnings to average equity (ytd only) | 6.3135% | 2,499 |
| Net charge-offs to loans | 0.0027% | 4,117 |
| Credit loss provision to net charge-offs | 8,666.6667% | 25 |
| Earnings coverage of net charge-offs (x) | 970.6667% | 22 |
| Efficiency ratio | 62.2749% | 5,269 |
| Assets per employee ($millions) | 3.6529% | 4,671 |
| Cash dividends to net income (ytd only)* | 59.2006% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 5,466 |
| Loan loss allowance to noncurrent loans | 142.5502% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.5895% | 4,915 |
| Noncurrent loans to loans | 0.7956% | 4,528 |
| Net loans and leases to total assets | 70.8882% | 1,534 |
| Net loans and leases to deposits | 84.7746% | 1,502 |
| Net loans and leases to core deposits | 90.3967% | 1,664 |
| Total domestic deposits to total assets | 83.6197% | 4,624 |
| Equity capital to assets | 10.9450% | 3,023 |
| Core capital (leverage) ratio | 10.2324% | 3,103 |
| Tier 1 risk-based capital ratio | 12.9769% | 5,239 |
| Total risk-based capital ratio | 14.0159% | 5,339 |
| Memoranda: | ||
| Average total assets | $625,264,000 | 1,087 |
| Average earning assets | $583,095,000 | 1,064 |
| Average equity | $68,551,500 | 1,063 |
| Average total loans | $446,919,000 | 961 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8222% | 2,111 |
| Cost of funding earning assets | 0.6062% | 4,281 |
| Net interest margin | 4.2160% | 1,615 |
| Noninterest income to average assets | 1.1815% | 1,123 |
| Noninterest expense to average assets | 3.1515% | 2,762 |
| Loan and lease loss provision to assets | 0.1721% | 3,467 |
| Net operating income to assets | 1.8048% | 504 |
| Return on assets (ROA) | 1.8111% | 561 |
| Pretax return on assets | 1.8111% | 899 |
| Return on Equity (ROE) | 16.5117% | 594 |
| Retained earnings to average equity (ytd only) | 5.9442% | 2,107 |
| Net charge-offs to loans | 0.0412% | 5,341 |
| Credit loss provision to net charge-offs | 614.2012% | 398 |
| Earnings coverage of net charge-offs (x) | 70.5621% | 521 |
| Efficiency ratio | 61.4514% | 5,322 |
| Assets per employee ($millions) | 3.6602% | 4,652 |
| Cash dividends to net income (ytd only)* | 64.0000% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 5,576 |
| Loan loss allowance to noncurrent loans | 222.0595% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 5,587 |
| Noncurrent loans to loans | 0.4928% | 5,300 |
| Net loans and leases to total assets | 70.4703% | 1,745 |
| Net loans and leases to deposits | 85.4823% | 1,579 |
| Net loans and leases to core deposits | 91.3387% | 1,692 |
| Total domestic deposits to total assets | 82.4385% | 4,949 |
| Equity capital to assets | 10.9824% | 2,971 |
| Core capital (leverage) ratio | 10.1285% | 3,237 |
| Tier 1 risk-based capital ratio | 13.1429% | 5,009 |
| Total risk-based capital ratio | 14.1595% | 5,116 |
| Memoranda: | ||
| Average total assets | $603,210,600 | 1,103 |
| Average earning assets | $564,701,200 | 1,070 |
| Average equity | $66,165,400 | 1,070 |
| Average total loans | $409,729,000 | 1,024 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8040% | 2,379 |
| Cost of funding earning assets | 0.6200% | 4,449 |
| Net interest margin | 4.1840% | 1,778 |
| Noninterest income to average assets | 1.1683% | 1,116 |
| Noninterest expense to average assets | 3.1269% | 2,804 |
| Loan and lease loss provision to assets | 0.1825% | 3,314 |
| Net operating income to assets | 1.7843% | 584 |
| Return on assets (ROA) | 1.7928% | 645 |
| Pretax return on assets | 1.7928% | 1,065 |
| Return on Equity (ROE) | 16.3496% | 689 |
| Retained earnings to average equity (ytd only) | 5.1607% | 3,247 |
| Net charge-offs to loans | 0.0382% | 5,117 |
| Credit loss provision to net charge-offs | 712.1739% | 387 |
| Earnings coverage of net charge-offs (x) | 76.7650% | 531 |
| Efficiency ratio | 61.3874% | 5,244 |
| Assets per employee ($millions) | 3.6375% | 4,684 |
| Cash dividends to net income (ytd only)* | 68.4354% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 5,757 |
| Loan loss allowance to noncurrent loans | 303.9559% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 6,080 |
| Noncurrent loans to loans | 0.3588% | 5,761 |
| Net loans and leases to total assets | 68.3437% | 2,242 |
| Net loans and leases to deposits | 82.5168% | 2,052 |
| Net loans and leases to core deposits | 88.7947% | 2,122 |
| Total domestic deposits to total assets | 82.8240% | 4,717 |
| Equity capital to assets | 10.8876% | 3,398 |
| Core capital (leverage) ratio | 9.9772% | 3,575 |
| Tier 1 risk-based capital ratio | 13.6000% | 4,820 |
| Total risk-based capital ratio | 14.6393% | 4,920 |
| Memoranda: | ||
| Average total assets | $598,455,250 | 1,119 |
| Average earning assets | $561,457,500 | 1,087 |
| Average equity | $65,622,750 | 1,081 |
| Average total loans | $401,326,000 | 1,046 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8263% | 2,403 |
| Cost of funding earning assets | 0.6292% | 4,635 |
| Net interest margin | 4.1971% | 1,761 |
| Noninterest income to average assets | 1.1368% | 1,103 |
| Noninterest expense to average assets | 3.1703% | 2,685 |
| Loan and lease loss provision to assets | 0.1913% | 3,181 |
| Net operating income to assets | 1.7105% | 660 |
| Return on assets (ROA) | 1.7233% | 723 |
| Pretax return on assets | 1.7233% | 1,200 |
| Return on Equity (ROE) | 15.6771% | 822 |
| Retained earnings to average equity (ytd only) | 1.3924% | 5,498 |
| Net charge-offs to loans | 0.0378% | 4,847 |
| Credit loss provision to net charge-offs | 763.5135% | 412 |
| Earnings coverage of net charge-offs (x) | 75.8919% | 536 |
| Efficiency ratio | 62.5050% | 5,165 |
| Assets per employee ($millions) | 3.4593% | 5,073 |
| Cash dividends to net income (ytd only)* | 91.1181% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 5,788 |
| Loan loss allowance to noncurrent loans | 259.2121% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2851% | 6,058 |
| Noncurrent loans to loans | 0.4230% | 5,689 |
| Net loans and leases to total assets | 66.6661% | 2,533 |
| Net loans and leases to deposits | 80.8407% | 2,259 |
| Net loans and leases to core deposits | 87.1535% | 2,295 |
| Total domestic deposits to total assets | 82.4660% | 4,960 |
| Equity capital to assets | 10.7455% | 3,399 |
| Core capital (leverage) ratio | 9.9896% | 3,430 |
| Tier 1 risk-based capital ratio | 13.6499% | 4,707 |
| Total risk-based capital ratio | 14.6806% | 4,838 |
| Memoranda: | ||
| Average total assets | $590,601,000 | 1,134 |
| Average earning assets | $553,758,000 | 1,097 |
| Average equity | $64,922,670 | 1,086 |
| Average total loans | $391,835,670 | 1,078 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8429% | 2,473 |
| Cost of funding earning assets | 0.6461% | 4,765 |
| Net interest margin | 4.1968% | 1,766 |
| Noninterest income to average assets | 1.1152% | 1,133 |
| Noninterest expense to average assets | 3.1659% | 2,713 |
| Loan and lease loss provision to assets | 0.2167% | 2,768 |
| Net operating income to assets | 1.6618% | 775 |
| Return on assets (ROA) | 1.6879% | 822 |
| Pretax return on assets | 1.6879% | 1,339 |
| Return on Equity (ROE) | 15.1775% | 941 |
| Retained earnings to average equity (ytd only) | 7.6474% | 2,111 |
| Net charge-offs to loans | 0.0073% | 4,633 |
| Credit loss provision to net charge-offs | 4,514.2857% | 55 |
| Earnings coverage of net charge-offs (x) | 391.2857% | 72 |
| Efficiency ratio | 62.7600% | 5,140 |
| Assets per employee ($millions) | 3.4216% | 5,293 |
| Cash dividends to net income (ytd only)* | 49.6140% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 5,921 |
| Loan loss allowance to noncurrent loans | 233.7691% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3066% | 6,129 |
| Noncurrent loans to loans | 0.4683% | 5,740 |
| Net loans and leases to total assets | 64.7574% | 2,700 |
| Net loans and leases to deposits | 78.2567% | 2,460 |
| Net loans and leases to core deposits | 84.1134% | 2,533 |
| Total domestic deposits to total assets | 82.7501% | 5,027 |
| Equity capital to assets | 10.9486% | 2,963 |
| Core capital (leverage) ratio | 10.3291% | 2,953 |
| Tier 1 risk-based capital ratio | 14.1374% | 4,366 |
| Total risk-based capital ratio | 15.1481% | 4,519 |
| Memoranda: | ||
| Average total assets | $583,215,500 | 1,153 |
| Average earning assets | $546,037,500 | 1,113 |
| Average equity | $64,859,000 | 1,082 |
| Average total loans | $383,727,500 | 1,107 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1769% | 2,159 |
| Cost of funding earning assets | 0.7485% | 5,221 |
| Net interest margin | 4.4284% | 1,313 |
| Noninterest income to average assets | 1.2281% | 868 |
| Noninterest expense to average assets | 3.3571% | 2,348 |
| Loan and lease loss provision to assets | 0.1434% | 4,823 |
| Net operating income to assets | 1.8399% | 431 |
| Return on assets (ROA) | 1.8569% | 450 |
| Pretax return on assets | 1.8569% | 721 |
| Return on Equity (ROE) | 18.9714% | 318 |
| Retained earnings to average equity (ytd only) | 2.3673% | 4,539 |
| Net charge-offs to loans | 0.0178% | 6,190 |
| Credit loss provision to net charge-offs | 1,212.9032% | 173 |
| Earnings coverage of net charge-offs (x) | 167.7419% | 204 |
| Efficiency ratio | 62.2161% | 5,425 |
| Assets per employee ($millions) | 3.3589% | 5,348 |
| Cash dividends to net income (ytd only)* | 87.5218% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 5,955 |
| Loan loss allowance to noncurrent loans | 189.6667% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 6,052 |
| Noncurrent loans to loans | 0.5594% | 5,601 |
| Net loans and leases to total assets | 65.4320% | 2,894 |
| Net loans and leases to deposits | 78.6138% | 2,743 |
| Net loans and leases to core deposits | 84.5346% | 2,810 |
| Total domestic deposits to total assets | 83.2322% | 4,657 |
| Equity capital to assets | 11.3028% | 2,692 |
| Core capital (leverage) ratio | 10.4593% | 2,779 |
| Tier 1 risk-based capital ratio | 14.2828% | 4,122 |
| Total risk-based capital ratio | 15.2504% | 4,283 |
| Memoranda: | ||
| Average total assets | $524,373,600 | 1,277 |
| Average earning assets | $486,951,800 | 1,254 |
| Average equity | $51,324,600 | 1,335 |
| Average total loans | $347,835,600 | 1,219 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2077% | 2,183 |
| Cost of funding earning assets | 0.7758% | 5,305 |
| Net interest margin | 4.4319% | 1,313 |
| Noninterest income to average assets | 1.2304% | 863 |
| Noninterest expense to average assets | 3.3868% | 2,227 |
| Loan and lease loss provision to assets | 0.1366% | 4,732 |
| Net operating income to assets | 1.8153% | 505 |
| Return on assets (ROA) | 1.8153% | 545 |
| Pretax return on assets | 1.8153% | 929 |
| Return on Equity (ROE) | 19.3751% | 349 |
| Retained earnings to average equity (ytd only) | -4.2397% | 6,531 |
| Net charge-offs to loans | -0.0039% | 6,700 |
| Credit loss provision to net charge-offs | -5,260.0000% | 6,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5590% | 5,320 |
| Assets per employee ($millions) | 3.3383% | 5,393 |
| Cash dividends to net income (ytd only)* | 121.8822% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 6,013 |
| Loan loss allowance to noncurrent loans | 619.5793% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 6,773 |
| Noncurrent loans to loans | 0.1714% | 6,525 |
| Net loans and leases to total assets | 64.7739% | 3,153 |
| Net loans and leases to deposits | 78.7194% | 2,855 |
| Net loans and leases to core deposits | 84.8426% | 2,936 |
| Total domestic deposits to total assets | 82.2846% | 4,979 |
| Equity capital to assets | 11.1728% | 2,983 |
| Core capital (leverage) ratio | 10.5788% | 2,781 |
| Tier 1 risk-based capital ratio | 14.0612% | 4,312 |
| Total risk-based capital ratio | 15.0218% | 4,484 |
| Memoranda: | ||
| Average total assets | $513,552,500 | 1,309 |
| Average earning assets | $476,049,500 | 1,285 |
| Average equity | $48,115,500 | 1,425 |
| Average total loans | $340,941,250 | 1,258 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2432% | 2,083 |
| Cost of funding earning assets | 0.8063% | 5,322 |
| Net interest margin | 4.4369% | 1,277 |
| Noninterest income to average assets | 1.2424% | 816 |
| Noninterest expense to average assets | 3.4905% | 2,004 |
| Loan and lease loss provision to assets | 0.1317% | 4,648 |
| Net operating income to assets | 1.7249% | 571 |
| Return on assets (ROA) | 1.7249% | 616 |
| Pretax return on assets | 1.7249% | 1,003 |
| Return on Equity (ROE) | 19.8075% | 324 |
| Retained earnings to average equity (ytd only) | 11.0037% | 662 |
| Net charge-offs to loans | -0.0263% | 6,890 |
| Credit loss provision to net charge-offs | -750.0000% | 6,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0991% | 5,218 |
| Assets per employee ($millions) | 3.1773% | 5,684 |
| Cash dividends to net income (ytd only)* | 44.4470% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 6,193 |
| Loan loss allowance to noncurrent loans | 842.9885% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 6,886 |
| Noncurrent loans to loans | 0.1231% | 6,673 |
| Net loans and leases to total assets | 67.9545% | 2,624 |
| Net loans and leases to deposits | 80.1194% | 2,770 |
| Net loans and leases to core deposits | 86.5837% | 2,809 |
| Total domestic deposits to total assets | 84.8166% | 3,959 |
| Equity capital to assets | 9.0007% | 5,580 |
| Core capital (leverage) ratio | 8.1648% | 6,080 |
| Tier 1 risk-based capital ratio | 10.8445% | 6,628 |
| Total risk-based capital ratio | 11.7908% | 6,772 |
| Memoranda: | ||
| Average total assets | $501,130,330 | 1,343 |
| Average earning assets | $463,609,000 | 1,328 |
| Average equity | $43,640,000 | 1,540 |
| Average total loans | $334,383,000 | 1,296 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2177% | 2,163 |
| Cost of funding earning assets | 0.8128% | 5,512 |
| Net interest margin | 4.4049% | 1,262 |
| Noninterest income to average assets | 1.2227% | 850 |
| Noninterest expense to average assets | 3.5061% | 1,989 |
| Loan and lease loss provision to assets | 0.0850% | 4,938 |
| Net operating income to assets | 1.7187% | 562 |
| Return on assets (ROA) | 1.7187% | 594 |
| Pretax return on assets | 1.7187% | 954 |
| Return on Equity (ROE) | 20.0872% | 326 |
| Retained earnings to average equity (ytd only) | 13.5901% | 515 |
| Net charge-offs to loans | -0.0837% | 7,036 |
| Credit loss provision to net charge-offs | -154.4118% | 5,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8278% | 5,214 |
| Assets per employee ($millions) | 3.1528% | 5,834 |
| Cash dividends to net income (ytd only)* | 32.3446% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0632% | 6,181 |
| Loan loss allowance to noncurrent loans | 509.7059% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 6,828 |
| Noncurrent loans to loans | 0.2086% | 6,556 |
| Net loans and leases to total assets | 63.5373% | 3,532 |
| Net loans and leases to deposits | 74.5866% | 3,670 |
| Net loans and leases to core deposits | 80.8705% | 3,620 |
| Total domestic deposits to total assets | 85.1860% | 3,956 |
| Equity capital to assets | 8.5641% | 5,823 |
| Core capital (leverage) ratio | 8.1861% | 5,987 |
| Tier 1 risk-based capital ratio | 11.2798% | 6,275 |
| Total risk-based capital ratio | 12.2353% | 6,500 |
| Memoranda: | ||
| Average total assets | $494,333,000 | 1,364 |
| Average earning assets | $458,670,500 | 1,349 |
| Average equity | $42,295,500 | 1,571 |
| Average total loans | $324,851,500 | 1,340 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4971% | 2,298 |
| Cost of funding earning assets | 0.9345% | 6,009 |
| Net interest margin | 4.5626% | 1,101 |
| Noninterest income to average assets | 1.4940% | 651 |
| Noninterest expense to average assets | 3.7261% | 1,640 |
| Loan and lease loss provision to assets | 0.1539% | 5,665 |
| Net operating income to assets | 1.8263% | 389 |
| Return on assets (ROA) | 1.8343% | 418 |
| Pretax return on assets | 1.8343% | 710 |
| Return on Equity (ROE) | 21.4103% | 182 |
| Retained earnings to average equity (ytd only) | 9.5908% | 589 |
| Net charge-offs to loans | 0.0481% | 6,318 |
| Credit loss provision to net charge-offs | 467.3203% | 491 |
| Earnings coverage of net charge-offs (x) | 60.1242% | 394 |
| Efficiency ratio | 64.1052% | 5,334 |
| Assets per employee ($millions) | 2.9333% | 6,241 |
| Cash dividends to net income (ytd only)* | 55.2048% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 6,302 |
| Loan loss allowance to noncurrent loans | 681.7805% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 6,981 |
| Noncurrent loans to loans | 0.1492% | 6,771 |
| Net loans and leases to total assets | 66.6081% | 3,330 |
| Net loans and leases to deposits | 77.9868% | 3,513 |
| Net loans and leases to core deposits | 85.9258% | 3,328 |
| Total domestic deposits to total assets | 85.4095% | 3,658 |
| Equity capital to assets | 8.5476% | 5,798 |
| Core capital (leverage) ratio | 7.9803% | 6,230 |
| Tier 1 risk-based capital ratio | 10.9636% | 6,353 |
| Total risk-based capital ratio | 11.8818% | 6,584 |
| Memoranda: | ||
| Average total assets | $464,535,800 | 1,433 |
| Average earning assets | $428,881,600 | 1,412 |
| Average equity | $39,798,600 | 1,664 |
| Average total loans | $318,075,600 | 1,414 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5023% | 2,426 |
| Cost of funding earning assets | 0.9542% | 6,153 |
| Net interest margin | 4.5481% | 1,153 |
| Noninterest income to average assets | 1.4121% | 682 |
| Noninterest expense to average assets | 3.6309% | 1,714 |
| Loan and lease loss provision to assets | 0.1506% | 5,533 |
| Net operating income to assets | 1.8239% | 471 |
| Return on assets (ROA) | 1.8346% | 510 |
| Pretax return on assets | 1.8346% | 865 |
| Return on Equity (ROE) | 21.4005% | 228 |
| Retained earnings to average equity (ytd only) | 5.5097% | 2,643 |
| Net charge-offs to loans | 0.0505% | 6,018 |
| Credit loss provision to net charge-offs | 433.3333% | 698 |
| Earnings coverage of net charge-offs (x) | 56.8153% | 508 |
| Efficiency ratio | 63.5514% | 5,335 |
| Assets per employee ($millions) | 2.9280% | 6,311 |
| Cash dividends to net income (ytd only)* | 74.2541% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9409% | 6,608 |
| Loan loss allowance to noncurrent loans | 1,163.9405% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 7,207 |
| Noncurrent loans to loans | 0.0808% | 7,036 |
| Net loans and leases to total assets | 68.2321% | 3,156 |
| Net loans and leases to deposits | 81.0186% | 3,262 |
| Net loans and leases to core deposits | 88.6507% | 3,294 |
| Total domestic deposits to total assets | 84.2178% | 3,995 |
| Equity capital to assets | 8.6504% | 6,100 |
| Core capital (leverage) ratio | 7.8101% | 6,559 |
| Tier 1 risk-based capital ratio | 10.3675% | 6,848 |
| Total risk-based capital ratio | 11.2439% | 7,060 |
| Memoranda: | ||
| Average total assets | $460,404,750 | 1,467 |
| Average earning assets | $424,487,750 | 1,449 |
| Average equity | $39,468,500 | 1,686 |
| Average total loans | $316,665,000 | 1,433 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5098% | 2,471 |
| Cost of funding earning assets | 0.9845% | 6,222 |
| Net interest margin | 4.5253% | 1,154 |
| Noninterest income to average assets | 1.3563% | 684 |
| Noninterest expense to average assets | 3.6234% | 1,724 |
| Loan and lease loss provision to assets | 0.1722% | 5,141 |
| Net operating income to assets | 1.7287% | 555 |
| Return on assets (ROA) | 1.7450% | 586 |
| Pretax return on assets | 1.7450% | 968 |
| Return on Equity (ROE) | 20.4216% | 296 |
| Retained earnings to average equity (ytd only) | 0.2584% | 5,653 |
| Net charge-offs to loans | 0.0610% | 5,537 |
| Credit loss provision to net charge-offs | 410.5263% | 886 |
| Earnings coverage of net charge-offs (x) | 45.3053% | 655 |
| Efficiency ratio | 64.3268% | 5,272 |
| Assets per employee ($millions) | 2.8203% | 6,528 |
| Cash dividends to net income (ytd only)* | 98.7345% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 6,648 |
| Loan loss allowance to noncurrent loans | 895.2663% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 7,207 |
| Noncurrent loans to loans | 0.1043% | 7,060 |
| Net loans and leases to total assets | 70.7112% | 2,742 |
| Net loans and leases to deposits | 82.6314% | 3,154 |
| Net loans and leases to core deposits | 90.2013% | 3,222 |
| Total domestic deposits to total assets | 85.5742% | 3,332 |
| Equity capital to assets | 8.6360% | 5,967 |
| Core capital (leverage) ratio | 7.6840% | 6,631 |
| Tier 1 risk-based capital ratio | 10.0741% | 6,986 |
| Total risk-based capital ratio | 10.9357% | 7,179 |
| Memoranda: | ||
| Average total assets | $452,835,330 | 1,511 |
| Average earning assets | $417,076,000 | 1,486 |
| Average equity | $38,694,330 | 1,719 |
| Average total loans | $311,297,000 | 1,476 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3859% | 3,103 |
| Cost of funding earning assets | 1.0185% | 6,287 |
| Net interest margin | 4.3674% | 1,482 |
| Noninterest income to average assets | 1.2454% | 795 |
| Noninterest expense to average assets | 3.4983% | 1,985 |
| Loan and lease loss provision to assets | 0.1725% | 4,798 |
| Net operating income to assets | 1.5913% | 769 |
| Return on assets (ROA) | 1.5913% | 819 |
| Pretax return on assets | 1.5913% | 1,285 |
| Return on Equity (ROE) | 18.7225% | 460 |
| Retained earnings to average equity (ytd only) | 3.1326% | 4,266 |
| Net charge-offs to loans | 0.0433% | 4,989 |
| Credit loss provision to net charge-offs | 590.9091% | 741 |
| Earnings coverage of net charge-offs (x) | 60.4242% | 506 |
| Efficiency ratio | 65.1538% | 5,282 |
| Assets per employee ($millions) | 3.0458% | 6,111 |
| Cash dividends to net income (ytd only)* | 83.2685% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 6,692 |
| Loan loss allowance to noncurrent loans | 755.3525% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 7,274 |
| Noncurrent loans to loans | 0.1250% | 7,095 |
| Net loans and leases to total assets | 66.0021% | 3,849 |
| Net loans and leases to deposits | 79.2774% | 3,786 |
| Net loans and leases to core deposits | 87.0001% | 3,752 |
| Total domestic deposits to total assets | 83.2546% | 4,499 |
| Equity capital to assets | 8.3927% | 6,165 |
| Core capital (leverage) ratio | 7.8213% | 6,469 |
| Tier 1 risk-based capital ratio | 10.5548% | 6,580 |
| Total risk-based capital ratio | 11.4114% | 6,912 |
| Memoranda: | ||
| Average total assets | $452,219,500 | 1,551 |
| Average earning assets | $415,898,500 | 1,528 |
| Average equity | $38,435,000 | 1,752 |
| Average total loans | $304,894,500 | 1,545 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6936% | 3,134 |
| Cost of funding earning assets | 1.2930% | 6,334 |
| Net interest margin | 4.4006% | 1,429 |
| Noninterest income to average assets | 1.4653% | 667 |
| Noninterest expense to average assets | 3.7858% | 1,729 |
| Loan and lease loss provision to assets | 0.1356% | 6,283 |
| Net operating income to assets | 1.5424% | 620 |
| Return on assets (ROA) | 1.5900% | 599 |
| Pretax return on assets | 1.5900% | 983 |
| Return on Equity (ROE) | 19.2009% | 290 |
| Retained earnings to average equity (ytd only) | 13.7765% | 129 |
| Net charge-offs to loans | 0.0778% | 6,333 |
| Credit loss provision to net charge-offs | 253.3333% | 1,391 |
| Earnings coverage of net charge-offs (x) | 31.3467% | 732 |
| Efficiency ratio | 67.9120% | 5,019 |
| Assets per employee ($millions) | 2.9634% | 6,313 |
| Cash dividends to net income (ytd only)* | 28.2508% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 6,807 |
| Loan loss allowance to noncurrent loans | 600.2198% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 7,240 |
| Noncurrent loans to loans | 0.1500% | 7,058 |
| Net loans and leases to total assets | 67.6255% | 3,792 |
| Net loans and leases to deposits | 80.4224% | 3,906 |
| Net loans and leases to core deposits | 101.3862% | 3,861 |
| Total domestic deposits to total assets | 84.0879% | 3,992 |
| Equity capital to assets | 8.6093% | 5,715 |
| Core capital (leverage) ratio | 7.9144% | 6,313 |
| Tier 1 risk-based capital ratio | 10.4919% | 6,404 |
| Total risk-based capital ratio | 11.3052% | 6,792 |
| Memoranda: | ||
| Average total assets | $420,310,200 | 1,645 |
| Average earning assets | $381,899,600 | 1,645 |
| Average equity | $34,805,600 | 1,933 |
| Average total loans | $289,197,400 | 1,662 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7210% | 3,235 |
| Cost of funding earning assets | 1.3200% | 6,492 |
| Net interest margin | 4.4010% | 1,438 |
| Noninterest income to average assets | 1.5153% | 645 |
| Noninterest expense to average assets | 3.8548% | 1,506 |
| Loan and lease loss provision to assets | 0.1722% | 5,639 |
| Net operating income to assets | 1.4779% | 857 |
| Return on assets (ROA) | 1.5449% | 796 |
| Pretax return on assets | 1.5449% | 1,290 |
| Return on Equity (ROE) | 18.8566% | 371 |
| Retained earnings to average equity (ytd only) | 11.6007% | 396 |
| Net charge-offs to loans | 0.0364% | 6,392 |
| Credit loss provision to net charge-offs | 685.8974% | 546 |
| Earnings coverage of net charge-offs (x) | 65.7291% | 500 |
| Efficiency ratio | 68.6389% | 4,855 |
| Assets per employee ($millions) | 2.9866% | 6,193 |
| Cash dividends to net income (ytd only)* | 38.4792% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 6,660 |
| Loan loss allowance to noncurrent loans | 575.5061% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 7,269 |
| Noncurrent loans to loans | 0.1604% | 7,085 |
| Net loans and leases to total assets | 69.5213% | 3,612 |
| Net loans and leases to deposits | 82.7661% | 3,876 |
| Net loans and leases to core deposits | 106.3840% | 3,660 |
| Total domestic deposits to total assets | 83.9973% | 3,723 |
| Equity capital to assets | 8.5791% | 6,139 |
| Core capital (leverage) ratio | 7.7808% | 6,630 |
| Tier 1 risk-based capital ratio | 9.8705% | 7,080 |
| Total risk-based capital ratio | 10.7118% | 7,364 |
| Memoranda: | ||
| Average total assets | $414,258,500 | 1,682 |
| Average earning assets | $375,539,750 | 1,688 |
| Average equity | $33,939,500 | 2,002 |
| Average total loans | $285,662,250 | 1,695 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7518% | 3,286 |
| Cost of funding earning assets | 1.3328% | 6,698 |
| Net interest margin | 4.4190% | 1,367 |
| Noninterest income to average assets | 1.5611% | 614 |
| Noninterest expense to average assets | 3.9650% | 1,378 |
| Loan and lease loss provision to assets | 0.1897% | 5,141 |
| Net operating income to assets | 1.3852% | 1,055 |
| Return on assets (ROA) | 1.4877% | 919 |
| Pretax return on assets | 1.4877% | 1,483 |
| Return on Equity (ROE) | 18.4723% | 453 |
| Retained earnings to average equity (ytd only) | 11.3036% | 519 |
| Net charge-offs to loans | 0.0489% | 5,791 |
| Credit loss provision to net charge-offs | 566.1765% | 824 |
| Earnings coverage of net charge-offs (x) | 47.0147% | 722 |
| Efficiency ratio | 70.1672% | 4,745 |
| Assets per employee ($millions) | 2.8328% | 6,551 |
| Cash dividends to net income (ytd only)* | 38.8079% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 6,769 |
| Loan loss allowance to noncurrent loans | 1,004.8327% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 7,431 |
| Noncurrent loans to loans | 0.0896% | 7,301 |
| Net loans and leases to total assets | 71.4825% | 3,351 |
| Net loans and leases to deposits | 84.1805% | 3,848 |
| Net loans and leases to core deposits | 105.7341% | 3,863 |
| Total domestic deposits to total assets | 84.9157% | 3,304 |
| Equity capital to assets | 8.2328% | 6,435 |
| Core capital (leverage) ratio | 7.6964% | 6,764 |
| Tier 1 risk-based capital ratio | 9.6894% | 7,239 |
| Total risk-based capital ratio | 10.5055% | 7,561 |
| Memoranda: | ||
| Average total assets | $406,001,000 | 1,731 |
| Average earning assets | $365,557,670 | 1,756 |
| Average equity | $32,697,670 | 2,078 |
| Average total loans | $278,195,330 | 1,781 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6525% | 4,035 |
| Cost of funding earning assets | 1.3544% | 6,860 |
| Net interest margin | 4.2981% | 1,606 |
| Noninterest income to average assets | 1.3513% | 789 |
| Noninterest expense to average assets | 3.7646% | 1,536 |
| Loan and lease loss provision to assets | 0.1148% | 5,496 |
| Net operating income to assets | 1.3074% | 1,361 |
| Return on assets (ROA) | 1.3074% | 1,459 |
| Pretax return on assets | 1.3074% | 2,258 |
| Return on Equity (ROE) | 16.4238% | 762 |
| Retained earnings to average equity (ytd only) | 15.1700% | 396 |
| Net charge-offs to loans | 0.0479% | 4,811 |
| Credit loss provision to net charge-offs | 359.3750% | 1,414 |
| Earnings coverage of net charge-offs (x) | 44.5313% | 784 |
| Efficiency ratio | 71.0602% | 4,359 |
| Assets per employee ($millions) | 2.7587% | 6,746 |
| Cash dividends to net income (ytd only)* | 7.6336% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9052% | 6,726 |
| Loan loss allowance to noncurrent loans | 651.4512% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 7,313 |
| Noncurrent loans to loans | 0.1390% | 7,127 |
| Net loans and leases to total assets | 65.7547% | 4,642 |
| Net loans and leases to deposits | 78.3238% | 4,872 |
| Net loans and leases to core deposits | 95.9380% | 4,973 |
| Total domestic deposits to total assets | 83.9524% | 3,735 |
| Equity capital to assets | 8.0428% | 6,748 |
| Core capital (leverage) ratio | 7.7125% | 6,873 |
| Tier 1 risk-based capital ratio | 9.6633% | 7,281 |
| Total risk-based capital ratio | 10.4486% | 7,664 |
| Memoranda: | ||
| Average total assets | $400,791,000 | 1,760 |
| Average earning assets | $357,648,500 | 1,798 |
| Average equity | $31,905,000 | 2,124 |
| Average total loans | $267,107,500 | 1,860 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6495% | 2,249 |
| Cost of funding earning assets | 1.9596% | 6,536 |
| Net interest margin | 4.6899% | 990 |
| Noninterest income to average assets | 1.4892% | 631 |
| Noninterest expense to average assets | 3.8062% | 1,740 |
| Loan and lease loss provision to assets | 0.0876% | 6,283 |
| Net operating income to assets | 0.8673% | 3,141 |
| Return on assets (ROA) | 0.4266% | 4,866 |
| Pretax return on assets | 1.1394% | 2,878 |
| Return on Equity (ROE) | 5.4075% | 4,196 |
| Retained earnings to average equity (ytd only) | -0.0820% | 5,290 |
| Net charge-offs to loans | 0.0623% | 5,884 |
| Credit loss provision to net charge-offs | 201.8634% | 2,406 |
| Earnings coverage of net charge-offs (x) | 44.1180% | 833 |
| Efficiency ratio | 65.0328% | 5,320 |
| Assets per employee ($millions) | 2.6387% | 6,924 |
| Cash dividends to net income (ytd only)* | 101.5171% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 6,608 |
| Loan loss allowance to noncurrent loans | 675.9207% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 7,217 |
| Noncurrent loans to loans | 0.1350% | 7,015 |
| Net loans and leases to total assets | 66.3391% | 4,787 |
| Net loans and leases to deposits | 78.8336% | 5,222 |
| Net loans and leases to core deposits | 96.5934% | 5,193 |
| Total domestic deposits to total assets | 84.1508% | 3,243 |
| Equity capital to assets | 7.8739% | 7,005 |
| Core capital (leverage) ratio | 7.5327% | 7,162 |
| Tier 1 risk-based capital ratio | 9.4303% | 7,384 |
| Total risk-based capital ratio | 10.2040% | 7,825 |
| Memoranda: | ||
| Average total assets | $370,814,800 | 1,813 |
| Average earning assets | $334,654,400 | 1,835 |
| Average equity | $29,255,600 | 2,310 |
| Average total loans | $258,552,200 | 1,845 |