Home > Peoples Bank > Performance and Condition Ratios
Peoples Bank, Performance and Condition Ratios
| 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 | 3.5260% | 4,696 |
| Cost of funding earning assets | 0.3116% | 3,962 |
| Net interest margin | 3.2144% | 4,371 |
| Noninterest income to average assets | 0.6532% | 2,191 |
| Noninterest expense to average assets | 2.6943% | 3,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6376% | 4,136 |
| Return on assets (ROA) | 0.6376% | 4,185 |
| Pretax return on assets | 1.0508% | 3,370 |
| Return on Equity (ROE) | 6.0478% | 4,023 |
| Retained earnings to average equity (ytd only) | -28.4807% | 5,744 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9408% | 2,345 |
| Assets per employee ($millions) | 4.0458% | 3,881 |
| Cash dividends to net income (ytd only)* | 570.9239% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7458% | 986 |
| Loan loss allowance to noncurrent loans | 145.7865% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 1.0116% | 1,733 |
| Noncurrent loans to loans | 1.1975% | 1,626 |
| Net loans and leases to total assets | 64.4627% | 3,318 |
| Net loans and leases to deposits | 74.5923% | 3,486 |
| Net loans and leases to core deposits | 78.7155% | 3,529 |
| Total domestic deposits to total assets | 86.4201% | 2,187 |
| Equity capital to assets | 9.6812% | 4,244 |
| Core capital (leverage) ratio | 9.6566% | 3,955 |
| Tier 1 risk-based capital ratio | 14.5832% | 3,122 |
| Total risk-based capital ratio | 15.8385% | 3,037 |
| Memoranda: | ||
| Average total assets | $230,861,000 | 2,672 |
| Average earning assets | $222,065,670 | 2,599 |
| Average equity | $24,339,330 | 2,746 |
| Average total loans | $157,830,000 | 2,593 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4137% | 4,900 |
| Cost of funding earning assets | 0.3121% | 3,924 |
| Net interest margin | 3.1016% | 4,646 |
| Noninterest income to average assets | 0.6386% | 2,231 |
| Noninterest expense to average assets | 2.6265% | 3,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6128% | 4,099 |
| Return on assets (ROA) | 0.6128% | 4,156 |
| Pretax return on assets | 0.9974% | 3,381 |
| Return on Equity (ROE) | 5.5908% | 4,096 |
| Retained earnings to average equity (ytd only) | 4.8078% | 3,006 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4775% | 2,492 |
| Assets per employee ($millions) | 4.4960% | 3,169 |
| Cash dividends to net income (ytd only)* | 14.0056% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6411% | 1,271 |
| Loan loss allowance to noncurrent loans | 140.7267% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 1.0275% | 1,770 |
| Noncurrent loans to loans | 1.1662% | 1,744 |
| Net loans and leases to total assets | 67.8302% | 2,706 |
| Net loans and leases to deposits | 80.1418% | 2,735 |
| Net loans and leases to core deposits | 85.0534% | 2,811 |
| Total domestic deposits to total assets | 84.6378% | 3,245 |
| Equity capital to assets | 11.2091% | 2,421 |
| Core capital (leverage) ratio | 10.9262% | 2,443 |
| Tier 1 risk-based capital ratio | 16.6472% | 2,301 |
| Total risk-based capital ratio | 17.9022% | 2,262 |
| Memoranda: | ||
| Average total assets | $233,010,500 | 2,684 |
| Average earning assets | $224,273,500 | 2,604 |
| Average equity | $25,542,000 | 2,678 |
| Average total loans | $162,423,500 | 2,544 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5285% | 4,708 |
| Cost of funding earning assets | 0.3326% | 3,719 |
| Net interest margin | 3.1959% | 4,463 |
| Noninterest income to average assets | 0.6902% | 2,217 |
| Noninterest expense to average assets | 2.7517% | 3,184 |
| Loan and lease loss provision to assets | -0.4214% | 5,867 |
| Net operating income to assets | 0.8680% | 2,989 |
| Return on assets (ROA) | 0.8680% | 3,100 |
| Pretax return on assets | 1.4177% | 1,870 |
| Return on Equity (ROE) | 8.2040% | 2,832 |
| Retained earnings to average equity (ytd only) | 8.1016% | 822 |
| Net charge-offs to loans | 0.0036% | 4,131 |
| Credit loss provision to net charge-offs | -16,200.0000% | 5,517 |
| Earnings coverage of net charge-offs (x) | 383.0000% | 212 |
| Efficiency ratio | 73.4182% | 2,358 |
| Assets per employee ($millions) | 4.5524% | 3,039 |
| Cash dividends to net income (ytd only)* | 1.2488% | 4,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 1,479 |
| Loan loss allowance to noncurrent loans | 132.3814% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 1.0531% | 1,792 |
| Noncurrent loans to loans | 1.1762% | 1,748 |
| Net loans and leases to total assets | 69.3311% | 2,574 |
| Net loans and leases to deposits | 80.7733% | 2,804 |
| Net loans and leases to core deposits | 85.3688% | 2,896 |
| Total domestic deposits to total assets | 85.8342% | 2,660 |
| Equity capital to assets | 10.7221% | 2,900 |
| Core capital (leverage) ratio | 10.7856% | 2,547 |
| Tier 1 risk-based capital ratio | 15.7380% | 2,656 |
| Total risk-based capital ratio | 16.9921% | 2,577 |
| Memoranda: | ||
| Average total assets | $230,658,000 | 2,661 |
| Average earning assets | $220,687,400 | 2,590 |
| Average equity | $24,402,600 | 2,767 |
| Average total loans | $166,474,400 | 2,450 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5540% | 4,673 |
| Cost of funding earning assets | 0.3353% | 3,712 |
| Net interest margin | 3.2187% | 4,432 |
| Noninterest income to average assets | 0.5283% | 3,056 |
| Noninterest expense to average assets | 2.7860% | 3,059 |
| Loan and lease loss provision to assets | -0.5656% | 5,950 |
| Net operating income to assets | 0.8478% | 3,164 |
| Return on assets (ROA) | 0.8478% | 3,282 |
| Pretax return on assets | 1.3854% | 2,099 |
| Return on Equity (ROE) | 8.0414% | 2,982 |
| Retained earnings to average equity (ytd only) | 7.9034% | 1,216 |
| Net charge-offs to loans | -0.0377% | 5,260 |
| Credit loss provision to net charge-offs | 2,068.0851% | 228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2632% | 1,800 |
| Assets per employee ($millions) | 4.3921% | 3,264 |
| Cash dividends to net income (ytd only)* | 1.7157% | 3,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5829% | 1,530 |
| Loan loss allowance to noncurrent loans | 128.1704% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 1.4189% | 1,302 |
| Noncurrent loans to loans | 1.2350% | 1,816 |
| Net loans and leases to total assets | 70.7260% | 2,385 |
| Net loans and leases to deposits | 83.7190% | 2,517 |
| Net loans and leases to core deposits | 88.6780% | 2,694 |
| Total domestic deposits to total assets | 84.4802% | 3,034 |
| Equity capital to assets | 10.6873% | 3,367 |
| Core capital (leverage) ratio | 10.7048% | 2,784 |
| Tier 1 risk-based capital ratio | 15.6414% | 2,772 |
| Total risk-based capital ratio | 16.8963% | 2,701 |
| Memoranda: | ||
| Average total assets | $229,141,250 | 2,680 |
| Average earning assets | $219,089,250 | 2,617 |
| Average equity | $24,157,750 | 2,806 |
| Average total loans | $166,413,000 | 2,453 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5786% | 4,657 |
| Cost of funding earning assets | 0.3333% | 3,759 |
| Net interest margin | 3.2453% | 4,394 |
| Noninterest income to average assets | 0.5133% | 3,102 |
| Noninterest expense to average assets | 2.7904% | 3,058 |
| Loan and lease loss provision to assets | -0.8529% | 6,041 |
| Net operating income to assets | 1.0258% | 2,268 |
| Return on assets (ROA) | 1.0258% | 2,408 |
| Pretax return on assets | 1.6777% | 1,151 |
| Return on Equity (ROE) | 9.7752% | 2,147 |
| Retained earnings to average equity (ytd only) | 9.5661% | 698 |
| Net charge-offs to loans | -0.0927% | 5,590 |
| Credit loss provision to net charge-offs | 1,262.3377% | 308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1845% | 1,901 |
| Assets per employee ($millions) | 4.4293% | 3,163 |
| Cash dividends to net income (ytd only)* | 2.1386% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6251% | 1,457 |
| Loan loss allowance to noncurrent loans | 135.5949% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.3737% | 1,439 |
| Noncurrent loans to loans | 1.1985% | 1,921 |
| Net loans and leases to total assets | 70.3867% | 2,420 |
| Net loans and leases to deposits | 83.5284% | 2,522 |
| Net loans and leases to core deposits | 88.6577% | 2,670 |
| Total domestic deposits to total assets | 84.2668% | 3,168 |
| Equity capital to assets | 10.6829% | 3,425 |
| Core capital (leverage) ratio | 10.8928% | 2,537 |
| Tier 1 risk-based capital ratio | 15.9537% | 2,666 |
| Total risk-based capital ratio | 17.2097% | 2,598 |
| Memoranda: | ||
| Average total assets | $227,928,330 | 2,698 |
| Average earning assets | $217,851,000 | 2,639 |
| Average equity | $23,917,670 | 2,837 |
| Average total loans | $166,122,670 | 2,459 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6068% | 4,601 |
| Cost of funding earning assets | 0.3380% | 3,744 |
| Net interest margin | 3.2688% | 4,334 |
| Noninterest income to average assets | 0.5187% | 2,998 |
| Noninterest expense to average assets | 2.7786% | 3,151 |
| Loan and lease loss provision to assets | 0.0265% | 3,322 |
| Net operating income to assets | 0.5151% | 4,564 |
| Return on assets (ROA) | 0.5151% | 4,672 |
| Pretax return on assets | 0.8362% | 4,074 |
| Return on Equity (ROE) | 4.9546% | 4,504 |
| Retained earnings to average equity (ytd only) | 4.9546% | 2,973 |
| Net charge-offs to loans | -0.1847% | 5,823 |
| Credit loss provision to net charge-offs | -19.4805% | 4,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3081% | 2,136 |
| Assets per employee ($millions) | 4.2382% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2061% | 585 |
| Loan loss allowance to noncurrent loans | 161.8816% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 1.4722% | 1,397 |
| Noncurrent loans to loans | 1.3628% | 1,743 |
| Net loans and leases to total assets | 72.3270% | 1,980 |
| Net loans and leases to deposits | 85.8024% | 2,081 |
| Net loans and leases to core deposits | 91.0541% | 2,272 |
| Total domestic deposits to total assets | 84.2949% | 3,397 |
| Equity capital to assets | 10.5673% | 3,408 |
| Core capital (leverage) ratio | 10.4322% | 3,036 |
| Tier 1 risk-based capital ratio | 15.3785% | 2,979 |
| Total risk-based capital ratio | 16.6423% | 2,914 |
| Memoranda: | ||
| Average total assets | $226,731,500 | 2,717 |
| Average earning assets | $216,590,000 | 2,660 |
| Average equity | $23,574,000 | 2,869 |
| Average total loans | $166,787,000 | 2,444 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9462% | 3,540 |
| Cost of funding earning assets | 0.3653% | 3,532 |
| Net interest margin | 3.5808% | 3,205 |
| Noninterest income to average assets | 0.7058% | 2,173 |
| Noninterest expense to average assets | 2.8100% | 3,188 |
| Loan and lease loss provision to assets | 0.0412% | 3,511 |
| Net operating income to assets | 0.7594% | 3,530 |
| Return on assets (ROA) | 0.7594% | 3,624 |
| Pretax return on assets | 1.2577% | 2,443 |
| Return on Equity (ROE) | 7.3521% | 3,334 |
| Retained earnings to average equity (ytd only) | 7.1304% | 1,225 |
| Net charge-offs to loans | 0.0321% | 3,579 |
| Credit loss provision to net charge-offs | 160.7143% | 1,674 |
| Earnings coverage of net charge-offs (x) | 50.6429% | 991 |
| Efficiency ratio | 68.3870% | 3,491 |
| Assets per employee ($millions) | 4.4007% | 3,215 |
| Cash dividends to net income (ytd only)* | 3.0157% | 4,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1339% | 658 |
| Loan loss allowance to noncurrent loans | 151.7842% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 1.4132% | 1,480 |
| Noncurrent loans to loans | 1.4059% | 1,659 |
| Net loans and leases to total assets | 71.6102% | 2,126 |
| Net loans and leases to deposits | 84.0368% | 2,357 |
| Net loans and leases to core deposits | 89.3239% | 2,464 |
| Total domestic deposits to total assets | 85.2130% | 2,997 |
| Equity capital to assets | 10.2305% | 3,706 |
| Core capital (leverage) ratio | 10.4937% | 2,936 |
| Tier 1 risk-based capital ratio | 15.0356% | 3,165 |
| Total risk-based capital ratio | 16.2983% | 3,087 |
| Memoranda: | ||
| Average total assets | $218,326,800 | 2,760 |
| Average earning assets | $207,493,000 | 2,699 |
| Average equity | $22,551,400 | 2,917 |
| Average total loans | $174,508,200 | 2,302 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0799% | 3,027 |
| Cost of funding earning assets | 0.3744% | 3,497 |
| Net interest margin | 3.7055% | 2,746 |
| Noninterest income to average assets | 0.7368% | 2,080 |
| Noninterest expense to average assets | 2.9392% | 2,710 |
| Loan and lease loss provision to assets | 0.0556% | 3,085 |
| Net operating income to assets | 0.7566% | 3,652 |
| Return on assets (ROA) | 0.7566% | 3,751 |
| Pretax return on assets | 1.2597% | 2,557 |
| Return on Equity (ROE) | 7.3062% | 3,465 |
| Retained earnings to average equity (ytd only) | 7.0078% | 1,680 |
| Net charge-offs to loans | 0.0431% | 3,031 |
| Credit loss provision to net charge-offs | 157.8947% | 1,613 |
| Earnings coverage of net charge-offs (x) | 37.3324% | 1,311 |
| Efficiency ratio | 69.0832% | 3,359 |
| Assets per employee ($millions) | 4.2172% | 3,485 |
| Cash dividends to net income (ytd only)* | 4.0853% | 3,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1216% | 744 |
| Loan loss allowance to noncurrent loans | 146.5737% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 1.5272% | 1,466 |
| Noncurrent loans to loans | 1.4475% | 1,731 |
| Net loans and leases to total assets | 75.1473% | 1,518 |
| Net loans and leases to deposits | 89.0041% | 1,769 |
| Net loans and leases to core deposits | 95.2373% | 1,956 |
| Total domestic deposits to total assets | 84.4313% | 3,249 |
| Equity capital to assets | 10.4892% | 3,616 |
| Core capital (leverage) ratio | 10.4804% | 3,063 |
| Tier 1 risk-based capital ratio | 14.8836% | 3,352 |
| Total risk-based capital ratio | 16.1461% | 3,294 |
| Memoranda: | ||
| Average total assets | $215,699,500 | 2,810 |
| Average earning assets | $204,769,500 | 2,742 |
| Average equity | $22,336,500 | 2,950 |
| Average total loans | $176,274,500 | 2,287 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9552% | 3,469 |
| Cost of funding earning assets | 0.3804% | 3,484 |
| Net interest margin | 3.5748% | 3,191 |
| Noninterest income to average assets | 0.6415% | 2,520 |
| Noninterest expense to average assets | 3.0154% | 2,506 |
| Loan and lease loss provision to assets | 0.0559% | 2,987 |
| Net operating income to assets | 0.5734% | 4,454 |
| Return on assets (ROA) | 0.5734% | 4,558 |
| Pretax return on assets | 0.9697% | 3,698 |
| Return on Equity (ROE) | 5.5619% | 4,345 |
| Retained earnings to average equity (ytd only) | 5.5619% | 2,499 |
| Net charge-offs to loans | 0.0648% | 2,453 |
| Credit loss provision to net charge-offs | 103.4483% | 2,006 |
| Earnings coverage of net charge-offs (x) | 18.9655% | 1,776 |
| Efficiency ratio | 74.6193% | 2,590 |
| Assets per employee ($millions) | 4.0716% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0536% | 910 |
| Loan loss allowance to noncurrent loans | 143.1285% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 1.7345% | 1,356 |
| Noncurrent loans to loans | 1.4348% | 1,860 |
| Net loans and leases to total assets | 78.2648% | 1,038 |
| Net loans and leases to deposits | 92.5136% | 1,317 |
| Net loans and leases to core deposits | 99.3447% | 1,547 |
| Total domestic deposits to total assets | 84.5982% | 3,298 |
| Equity capital to assets | 10.3868% | 3,578 |
| Core capital (leverage) ratio | 10.4325% | 3,045 |
| Tier 1 risk-based capital ratio | 14.3361% | 3,737 |
| Total risk-based capital ratio | 15.5985% | 3,652 |
| Memoranda: | ||
| Average total assets | $214,502,000 | 2,843 |
| Average earning assets | $203,986,000 | 2,771 |
| Average equity | $22,114,670 | 2,983 |
| Average total loans | $178,911,330 | 2,266 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0179% | 3,170 |
| Cost of funding earning assets | 0.3869% | 3,447 |
| Net interest margin | 3.6311% | 2,888 |
| Noninterest income to average assets | 0.6378% | 2,460 |
| Noninterest expense to average assets | 3.0114% | 2,550 |
| Loan and lease loss provision to assets | 0.0561% | 2,811 |
| Net operating income to assets | 0.6041% | 4,274 |
| Return on assets (ROA) | 0.6041% | 4,367 |
| Pretax return on assets | 1.0287% | 3,386 |
| Return on Equity (ROE) | 5.8821% | 4,087 |
| Retained earnings to average equity (ytd only) | 5.8821% | 2,559 |
| Net charge-offs to loans | 0.1318% | 1,457 |
| Credit loss provision to net charge-offs | 50.0000% | 2,096 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 1,991 |
| Efficiency ratio | 73.5160% | 2,898 |
| Assets per employee ($millions) | 3.8239% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9553% | 1,170 |
| Loan loss allowance to noncurrent loans | 133.2194% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 1.8521% | 1,317 |
| Noncurrent loans to loans | 1.4677% | 1,930 |
| Net loans and leases to total assets | 82.1669% | 447 |
| Net loans and leases to deposits | 97.1477% | 756 |
| Net loans and leases to core deposits | 104.6841% | 1,021 |
| Total domestic deposits to total assets | 84.5793% | 3,590 |
| Equity capital to assets | 10.3376% | 3,739 |
| Core capital (leverage) ratio | 10.3427% | 3,173 |
| Tier 1 risk-based capital ratio | 13.4125% | 4,368 |
| Total risk-based capital ratio | 14.6733% | 4,281 |
| Memoranda: | ||
| Average total assets | $213,856,500 | 2,865 |
| Average earning assets | $203,687,000 | 2,795 |
| Average equity | $21,965,000 | 3,028 |
| Average total loans | $182,151,500 | 2,261 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1731% | 3,036 |
| Cost of funding earning assets | 0.4053% | 3,639 |
| Net interest margin | 3.7679% | 2,742 |
| Noninterest income to average assets | 0.5285% | 3,302 |
| Noninterest expense to average assets | 3.0937% | 2,534 |
| Loan and lease loss provision to assets | 0.1099% | 2,333 |
| Net operating income to assets | 0.5392% | 4,639 |
| Return on assets (ROA) | 0.5392% | 4,728 |
| Pretax return on assets | 0.8987% | 3,910 |
| Return on Equity (ROE) | 5.1854% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.9505% | 2,632 |
| Net charge-offs to loans | 0.0605% | 3,635 |
| Credit loss provision to net charge-offs | 212.2642% | 1,164 |
| Earnings coverage of net charge-offs (x) | 19.4811% | 1,782 |
| Efficiency ratio | 75.4137% | 2,612 |
| Assets per employee ($millions) | 3.9550% | 4,054 |
| Cash dividends to net income (ytd only)* | 4.5290% | 4,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9146% | 1,286 |
| Loan loss allowance to noncurrent loans | 76.5852% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 2.7522% | 791 |
| Noncurrent loans to loans | 2.5000% | 1,017 |
| Net loans and leases to total assets | 84.8903% | 284 |
| Net loans and leases to deposits | 100.0165% | 620 |
| Net loans and leases to core deposits | 107.9500% | 896 |
| Total domestic deposits to total assets | 84.8763% | 3,336 |
| Equity capital to assets | 10.2041% | 3,848 |
| Core capital (leverage) ratio | 10.4202% | 3,041 |
| Tier 1 risk-based capital ratio | 12.2063% | 5,223 |
| Total risk-based capital ratio | 13.4653% | 5,131 |
| Memoranda: | ||
| Average total assets | $204,735,400 | 2,938 |
| Average earning assets | $194,194,800 | 2,865 |
| Average equity | $21,290,600 | 3,018 |
| Average total loans | $175,165,000 | 2,279 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2109% | 2,951 |
| Cost of funding earning assets | 0.4019% | 3,771 |
| Net interest margin | 3.8090% | 2,584 |
| Noninterest income to average assets | 0.5392% | 3,264 |
| Noninterest expense to average assets | 3.0632% | 2,586 |
| Loan and lease loss provision to assets | 0.1481% | 1,691 |
| Net operating income to assets | 0.5728% | 4,581 |
| Return on assets (ROA) | 0.5728% | 4,656 |
| Pretax return on assets | 0.9401% | 3,825 |
| Return on Equity (ROE) | 5.4806% | 4,501 |
| Retained earnings to average equity (ytd only) | 5.4806% | 2,776 |
| Net charge-offs to loans | 0.0563% | 3,414 |
| Credit loss provision to net charge-offs | 308.2192% | 892 |
| Earnings coverage of net charge-offs (x) | 22.6440% | 1,622 |
| Efficiency ratio | 73.7869% | 2,853 |
| Assets per employee ($millions) | 3.8908% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9893% | 1,279 |
| Loan loss allowance to noncurrent loans | 69.2919% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 3.2331% | 695 |
| Noncurrent loans to loans | 2.8709% | 947 |
| Net loans and leases to total assets | 85.3428% | 237 |
| Net loans and leases to deposits | 101.1670% | 548 |
| Net loans and leases to core deposits | 109.3209% | 775 |
| Total domestic deposits to total assets | 84.3583% | 3,612 |
| Equity capital to assets | 10.4844% | 3,585 |
| Core capital (leverage) ratio | 10.5253% | 3,014 |
| Tier 1 risk-based capital ratio | 12.3728% | 5,247 |
| Total risk-based capital ratio | 13.6324% | 5,173 |
| Memoranda: | ||
| Average total assets | $202,526,250 | 2,984 |
| Average earning assets | $192,068,000 | 2,911 |
| Average equity | $21,165,000 | 3,042 |
| Average total loans | $172,746,000 | 2,314 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1881% | 2,995 |
| Cost of funding earning assets | 0.3915% | 3,975 |
| Net interest margin | 3.7965% | 2,585 |
| Noninterest income to average assets | 0.5037% | 3,460 |
| Noninterest expense to average assets | 3.0552% | 2,651 |
| Loan and lease loss provision to assets | 0.1490% | 1,657 |
| Net operating income to assets | 0.5544% | 4,574 |
| Return on assets (ROA) | 0.5544% | 4,678 |
| Pretax return on assets | 0.8932% | 3,913 |
| Return on Equity (ROE) | 5.3109% | 4,523 |
| Retained earnings to average equity (ytd only) | 5.3109% | 2,752 |
| Net charge-offs to loans | 0.0305% | 3,585 |
| Credit loss provision to net charge-offs | 576.9231% | 525 |
| Earnings coverage of net charge-offs (x) | 40.3462% | 1,054 |
| Efficiency ratio | 74.5635% | 2,880 |
| Assets per employee ($millions) | 3.8211% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0759% | 1,227 |
| Loan loss allowance to noncurrent loans | 72.5783% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 3.1859% | 781 |
| Noncurrent loans to loans | 2.8602% | 1,045 |
| Net loans and leases to total assets | 82.5499% | 417 |
| Net loans and leases to deposits | 96.0584% | 800 |
| Net loans and leases to core deposits | 104.2276% | 1,003 |
| Total domestic deposits to total assets | 85.9372% | 3,068 |
| Equity capital to assets | 10.5214% | 3,417 |
| Core capital (leverage) ratio | 10.7388% | 2,678 |
| Tier 1 risk-based capital ratio | 12.5905% | 5,163 |
| Total risk-based capital ratio | 13.8508% | 5,090 |
| Memoranda: | ||
| Average total assets | $201,297,670 | 3,020 |
| Average earning assets | $190,542,000 | 2,943 |
| Average equity | $21,013,330 | 3,052 |
| Average total loans | $170,475,000 | 2,332 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1952% | 2,899 |
| Cost of funding earning assets | 0.3911% | 4,078 |
| Net interest margin | 3.8040% | 2,460 |
| Noninterest income to average assets | 0.5461% | 3,073 |
| Noninterest expense to average assets | 3.0754% | 2,600 |
| Loan and lease loss provision to assets | 0.1495% | 1,624 |
| Net operating income to assets | 0.5681% | 4,361 |
| Return on assets (ROA) | 0.5681% | 4,438 |
| Pretax return on assets | 0.9268% | 3,600 |
| Return on Equity (ROE) | 5.4634% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.4634% | 2,807 |
| Net charge-offs to loans | 0.0258% | 3,056 |
| Credit loss provision to net charge-offs | 681.8182% | 413 |
| Earnings coverage of net charge-offs (x) | 49.0909% | 757 |
| Efficiency ratio | 74.0759% | 3,128 |
| Assets per employee ($millions) | 3.8567% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0482% | 1,425 |
| Loan loss allowance to noncurrent loans | 65.3168% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 3.5532% | 731 |
| Noncurrent loans to loans | 3.1358% | 994 |
| Net loans and leases to total assets | 84.7087% | 200 |
| Net loans and leases to deposits | 98.9718% | 493 |
| Net loans and leases to core deposits | 104.6339% | 820 |
| Total domestic deposits to total assets | 85.5888% | 3,564 |
| Equity capital to assets | 10.6821% | 3,062 |
| Core capital (leverage) ratio | 10.5498% | 2,871 |
| Tier 1 risk-based capital ratio | 12.6171% | 5,243 |
| Total risk-based capital ratio | 13.8773% | 5,172 |
| Memoranda: | ||
| Average total assets | $200,686,500 | 3,039 |
| Average earning assets | $190,219,000 | 2,968 |
| Average equity | $20,866,000 | 3,070 |
| Average total loans | $170,350,500 | 2,347 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2264% | 3,243 |
| Cost of funding earning assets | 0.4167% | 4,463 |
| Net interest margin | 3.8097% | 2,620 |
| Noninterest income to average assets | 0.7691% | 2,221 |
| Noninterest expense to average assets | 3.1664% | 2,528 |
| Loan and lease loss provision to assets | 0.2822% | 1,222 |
| Net operating income to assets | 0.5680% | 4,421 |
| Return on assets (ROA) | 0.5680% | 4,527 |
| Pretax return on assets | 0.9185% | 3,684 |
| Return on Equity (ROE) | 5.4315% | 4,436 |
| Retained earnings to average equity (ytd only) | 2.7329% | 4,291 |
| Net charge-offs to loans | 0.1523% | 3,280 |
| Credit loss provision to net charge-offs | 223.5772% | 1,021 |
| Earnings coverage of net charge-offs (x) | 9.5122% | 2,494 |
| Efficiency ratio | 72.5062% | 3,385 |
| Assets per employee ($millions) | 3.7214% | 4,431 |
| Cash dividends to net income (ytd only)* | 49.6838% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0047% | 1,538 |
| Loan loss allowance to noncurrent loans | 60.3068% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 3.5885% | 797 |
| Noncurrent loans to loans | 3.3242% | 979 |
| Net loans and leases to total assets | 81.6791% | 441 |
| Net loans and leases to deposits | 95.0875% | 794 |
| Net loans and leases to core deposits | 100.3626% | 1,126 |
| Total domestic deposits to total assets | 85.8989% | 3,315 |
| Equity capital to assets | 10.1237% | 3,598 |
| Core capital (leverage) ratio | 10.5317% | 2,879 |
| Tier 1 risk-based capital ratio | 12.6198% | 5,218 |
| Total risk-based capital ratio | 13.8800% | 5,159 |
| Memoranda: | ||
| Average total assets | $194,891,200 | 3,087 |
| Average earning assets | $184,055,800 | 3,028 |
| Average equity | $20,381,200 | 3,114 |
| Average total loans | $161,496,200 | 2,406 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2277% | 3,281 |
| Cost of funding earning assets | 0.4273% | 4,524 |
| Net interest margin | 3.8004% | 2,636 |
| Noninterest income to average assets | 0.8362% | 1,990 |
| Noninterest expense to average assets | 3.2078% | 2,344 |
| Loan and lease loss provision to assets | 0.3118% | 1,082 |
| Net operating income to assets | 0.5577% | 4,540 |
| Return on assets (ROA) | 0.5577% | 4,693 |
| Pretax return on assets | 0.9027% | 3,868 |
| Return on Equity (ROE) | 5.2882% | 4,569 |
| Retained earnings to average equity (ytd only) | 1.6751% | 5,304 |
| Net charge-offs to loans | 0.1909% | 2,696 |
| Credit loss provision to net charge-offs | 197.3684% | 1,227 |
| Earnings coverage of net charge-offs (x) | 7.6886% | 2,756 |
| Efficiency ratio | 72.5364% | 3,311 |
| Assets per employee ($millions) | 3.6311% | 4,597 |
| Cash dividends to net income (ytd only)* | 68.3232% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0195% | 1,679 |
| Loan loss allowance to noncurrent loans | 57.1282% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 3.9515% | 796 |
| Noncurrent loans to loans | 3.5350% | 1,072 |
| Net loans and leases to total assets | 82.5947% | 323 |
| Net loans and leases to deposits | 93.7471% | 843 |
| Net loans and leases to core deposits | 99.4614% | 1,157 |
| Total domestic deposits to total assets | 88.1037% | 2,059 |
| Equity capital to assets | 10.4081% | 3,383 |
| Core capital (leverage) ratio | 10.5877% | 2,908 |
| Tier 1 risk-based capital ratio | 12.8522% | 5,223 |
| Total risk-based capital ratio | 14.1123% | 5,156 |
| Memoranda: | ||
| Average total assets | $192,444,250 | 3,144 |
| Average earning assets | $181,590,250 | 3,079 |
| Average equity | $20,296,250 | 3,158 |
| Average total loans | $159,220,250 | 2,449 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1897% | 3,416 |
| Cost of funding earning assets | 0.4359% | 4,594 |
| Net interest margin | 3.7538% | 2,749 |
| Noninterest income to average assets | 0.7886% | 2,245 |
| Noninterest expense to average assets | 3.2024% | 2,348 |
| Loan and lease loss provision to assets | 0.3138% | 1,132 |
| Net operating income to assets | 0.5010% | 4,792 |
| Return on assets (ROA) | 0.5010% | 4,964 |
| Pretax return on assets | 0.8116% | 4,267 |
| Return on Equity (ROE) | 4.7288% | 4,880 |
| Retained earnings to average equity (ytd only) | -0.7009% | 5,995 |
| Net charge-offs to loans | 0.2290% | 2,355 |
| Credit loss provision to net charge-offs | 166.6667% | 1,405 |
| Earnings coverage of net charge-offs (x) | 5.9778% | 2,793 |
| Efficiency ratio | 73.9971% | 3,130 |
| Assets per employee ($millions) | 3.6238% | 4,563 |
| Cash dividends to net income (ytd only)* | 114.8225% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0527% | 1,735 |
| Loan loss allowance to noncurrent loans | 53.6561% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 4.3517% | 766 |
| Noncurrent loans to loans | 3.8257% | 1,059 |
| Net loans and leases to total assets | 80.3935% | 499 |
| Net loans and leases to deposits | 91.3591% | 1,019 |
| Net loans and leases to core deposits | 96.7966% | 1,289 |
| Total domestic deposits to total assets | 87.9972% | 2,244 |
| Equity capital to assets | 10.4481% | 3,372 |
| Core capital (leverage) ratio | 10.5397% | 2,830 |
| Tier 1 risk-based capital ratio | 13.0837% | 5,084 |
| Total risk-based capital ratio | 14.3437% | 5,021 |
| Memoranda: | ||
| Average total assets | $191,233,000 | 3,178 |
| Average earning assets | $180,298,670 | 3,108 |
| Average equity | $20,259,000 | 3,183 |
| Average total loans | $157,197,670 | 2,474 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2052% | 3,282 |
| Cost of funding earning assets | 0.4492% | 4,602 |
| Net interest margin | 3.7560% | 2,630 |
| Noninterest income to average assets | 0.8867% | 1,801 |
| Noninterest expense to average assets | 3.1674% | 2,459 |
| Loan and lease loss provision to assets | 0.3144% | 1,082 |
| Net operating income to assets | 0.5828% | 4,297 |
| Return on assets (ROA) | 0.5828% | 4,446 |
| Pretax return on assets | 0.9454% | 3,582 |
| Return on Equity (ROE) | 5.4630% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.4630% | 2,972 |
| Net charge-offs to loans | 0.3109% | 1,717 |
| Credit loss provision to net charge-offs | 122.9508% | 1,576 |
| Earnings coverage of net charge-offs (x) | 4.9262% | 2,447 |
| Efficiency ratio | 71.5436% | 3,697 |
| Assets per employee ($millions) | 3.5386% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9995% | 2,047 |
| Loan loss allowance to noncurrent loans | 44.6591% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 4.6948% | 797 |
| Noncurrent loans to loans | 4.4773% | 929 |
| Net loans and leases to total assets | 80.6430% | 370 |
| Net loans and leases to deposits | 91.7107% | 828 |
| Net loans and leases to core deposits | 98.2304% | 1,064 |
| Total domestic deposits to total assets | 87.9319% | 2,361 |
| Equity capital to assets | 10.7241% | 3,289 |
| Core capital (leverage) ratio | 10.7391% | 2,509 |
| Tier 1 risk-based capital ratio | 13.1794% | 5,078 |
| Total risk-based capital ratio | 14.4387% | 5,025 |
| Memoranda: | ||
| Average total assets | $190,817,500 | 3,211 |
| Average earning assets | $179,872,500 | 3,149 |
| Average equity | $20,355,000 | 3,212 |
| Average total loans | $156,975,000 | 2,501 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5090% | 3,360 |
| Cost of funding earning assets | 0.7045% | 3,459 |
| Net interest margin | 3.8046% | 3,205 |
| Noninterest income to average assets | 0.8530% | 2,026 |
| Noninterest expense to average assets | 3.0474% | 3,103 |
| Loan and lease loss provision to assets | 0.3223% | 2,114 |
| Net operating income to assets | 0.6575% | 3,954 |
| Return on assets (ROA) | 0.6575% | 4,221 |
| Pretax return on assets | 1.0690% | 3,277 |
| Return on Equity (ROE) | 6.2296% | 4,055 |
| Retained earnings to average equity (ytd only) | 5.9751% | 2,091 |
| Net charge-offs to loans | 0.1663% | 4,052 |
| Credit loss provision to net charge-offs | 237.1542% | 1,046 |
| Earnings coverage of net charge-offs (x) | 10.2372% | 2,158 |
| Efficiency ratio | 68.6555% | 4,028 |
| Assets per employee ($millions) | 3.5953% | 4,795 |
| Cash dividends to net income (ytd only)* | 4.0850% | 4,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9884% | 2,040 |
| Loan loss allowance to noncurrent loans | 42.9675% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 4.5856% | 897 |
| Noncurrent loans to loans | 4.6276% | 910 |
| Net loans and leases to total assets | 80.6053% | 411 |
| Net loans and leases to deposits | 90.8981% | 991 |
| Net loans and leases to core deposits | 97.7241% | 1,164 |
| Total domestic deposits to total assets | 88.6766% | 1,786 |
| Equity capital to assets | 10.6102% | 3,388 |
| Core capital (leverage) ratio | 10.7679% | 2,472 |
| Tier 1 risk-based capital ratio | 13.0681% | 5,057 |
| Total risk-based capital ratio | 14.3275% | 5,002 |
| Memoranda: | ||
| Average total assets | $186,160,600 | 3,219 |
| Average earning assets | $175,447,600 | 3,155 |
| Average equity | $19,648,200 | 3,236 |
| Average total loans | $152,156,400 | 2,541 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5730% | 3,321 |
| Cost of funding earning assets | 0.7489% | 3,363 |
| Net interest margin | 3.8241% | 3,231 |
| Noninterest income to average assets | 0.8480% | 2,044 |
| Noninterest expense to average assets | 3.1045% | 2,876 |
| Loan and lease loss provision to assets | 0.3242% | 2,024 |
| Net operating income to assets | 0.6297% | 4,240 |
| Return on assets (ROA) | 0.6297% | 4,496 |
| Pretax return on assets | 1.0281% | 3,608 |
| Return on Equity (ROE) | 5.9741% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.6324% | 2,937 |
| Net charge-offs to loans | 0.0177% | 5,430 |
| Credit loss provision to net charge-offs | 2,250.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 93.8358% | 447 |
| Efficiency ratio | 69.6573% | 3,758 |
| Assets per employee ($millions) | 3.6369% | 4,686 |
| Cash dividends to net income (ytd only)* | 5.7213% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0681% | 1,988 |
| Loan loss allowance to noncurrent loans | 56.7803% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 3.6812% | 1,346 |
| Noncurrent loans to loans | 3.6424% | 1,479 |
| Net loans and leases to total assets | 81.6680% | 371 |
| Net loans and leases to deposits | 92.3479% | 936 |
| Net loans and leases to core deposits | 98.4276% | 1,233 |
| Total domestic deposits to total assets | 88.4351% | 1,767 |
| Equity capital to assets | 10.7206% | 3,588 |
| Core capital (leverage) ratio | 10.7261% | 2,675 |
| Tier 1 risk-based capital ratio | 13.1569% | 5,125 |
| Total risk-based capital ratio | 14.4173% | 5,085 |
| Memoranda: | ||
| Average total assets | $185,062,750 | 3,270 |
| Average earning assets | $174,642,250 | 3,203 |
| Average equity | $19,505,750 | 3,289 |
| Average total loans | $151,017,750 | 2,589 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5994% | 3,365 |
| Cost of funding earning assets | 0.7752% | 3,401 |
| Net interest margin | 3.8242% | 3,245 |
| Noninterest income to average assets | 0.9485% | 1,618 |
| Noninterest expense to average assets | 3.1094% | 2,900 |
| Loan and lease loss provision to assets | 0.3245% | 2,028 |
| Net operating income to assets | 0.6792% | 3,985 |
| Return on assets (ROA) | 0.6792% | 4,247 |
| Pretax return on assets | 1.1161% | 3,246 |
| Return on Equity (ROE) | 6.4811% | 4,056 |
| Retained earnings to average equity (ytd only) | 6.4811% | 2,393 |
| Net charge-offs to loans | 0.0294% | 4,971 |
| Credit loss provision to net charge-offs | 1,363.6364% | 242 |
| Earnings coverage of net charge-offs (x) | 60.5455% | 626 |
| Efficiency ratio | 68.3385% | 4,062 |
| Assets per employee ($millions) | 3.7923% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0068% | 2,208 |
| Loan loss allowance to noncurrent loans | 53.9865% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 3.6846% | 1,419 |
| Noncurrent loans to loans | 3.7173% | 1,521 |
| Net loans and leases to total assets | 80.0667% | 503 |
| Net loans and leases to deposits | 91.4429% | 1,010 |
| Net loans and leases to core deposits | 97.4655% | 1,310 |
| Total domestic deposits to total assets | 87.5593% | 2,429 |
| Equity capital to assets | 10.5922% | 3,574 |
| Core capital (leverage) ratio | 10.7585% | 2,533 |
| Tier 1 risk-based capital ratio | 13.3103% | 4,958 |
| Total risk-based capital ratio | 14.5704% | 4,916 |
| Memoranda: | ||
| Average total assets | $184,922,330 | 3,280 |
| Average earning assets | $174,155,000 | 3,216 |
| Average equity | $19,379,330 | 3,299 |
| Average total loans | $149,797,000 | 2,619 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5954% | 3,529 |
| Cost of funding earning assets | 0.8028% | 3,457 |
| Net interest margin | 3.7926% | 3,422 |
| Noninterest income to average assets | 1.0625% | 1,276 |
| Noninterest expense to average assets | 3.0986% | 2,919 |
| Loan and lease loss provision to assets | 0.3253% | 1,925 |
| Net operating income to assets | 0.7437% | 3,660 |
| Return on assets (ROA) | 0.7437% | 3,894 |
| Pretax return on assets | 1.2034% | 2,901 |
| Return on Equity (ROE) | 7.1356% | 3,701 |
| Retained earnings to average equity (ytd only) | 7.1356% | 2,361 |
| Net charge-offs to loans | 0.0672% | 3,815 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 28.2000% | 971 |
| Efficiency ratio | 66.9634% | 4,362 |
| Assets per employee ($millions) | 3.6689% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9370% | 2,568 |
| Loan loss allowance to noncurrent loans | 68.4970% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 3.1132% | 1,863 |
| Noncurrent loans to loans | 2.8278% | 2,282 |
| Net loans and leases to total assets | 79.8682% | 420 |
| Net loans and leases to deposits | 91.1288% | 865 |
| Net loans and leases to core deposits | 97.0189% | 1,198 |
| Total domestic deposits to total assets | 87.6432% | 2,560 |
| Equity capital to assets | 10.5737% | 3,410 |
| Core capital (leverage) ratio | 10.5596% | 2,686 |
| Tier 1 risk-based capital ratio | 13.2750% | 5,007 |
| Total risk-based capital ratio | 14.5338% | 4,986 |
| Memoranda: | ||
| Average total assets | $184,471,000 | 3,310 |
| Average earning assets | $173,392,500 | 3,244 |
| Average equity | $19,227,500 | 3,319 |
| Average total loans | $148,780,000 | 2,652 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8375% | 3,639 |
| Cost of funding earning assets | 1.0283% | 3,170 |
| Net interest margin | 3.8092% | 3,772 |
| Noninterest income to average assets | 0.6369% | 2,967 |
| Noninterest expense to average assets | 3.0096% | 3,558 |
| Loan and lease loss provision to assets | 0.3827% | 2,700 |
| Net operating income to assets | 0.5024% | 4,417 |
| Return on assets (ROA) | 0.5024% | 4,625 |
| Pretax return on assets | 0.8069% | 3,958 |
| Return on Equity (ROE) | 4.9233% | 4,429 |
| Retained earnings to average equity (ytd only) | 3.9054% | 3,437 |
| Net charge-offs to loans | 0.2643% | 4,118 |
| Credit loss provision to net charge-offs | 175.8794% | 1,492 |
| Earnings coverage of net charge-offs (x) | 5.4673% | 2,781 |
| Efficiency ratio | 71.6704% | 3,641 |
| Assets per employee ($millions) | 3.5672% | 4,850 |
| Cash dividends to net income (ytd only)* | 20.6746% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8690% | 2,659 |
| Loan loss allowance to noncurrent loans | 62.9891% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 3.1472% | 1,899 |
| Noncurrent loans to loans | 2.9672% | 2,187 |
| Net loans and leases to total assets | 78.3747% | 667 |
| Net loans and leases to deposits | 89.1936% | 1,248 |
| Net loans and leases to core deposits | 94.4904% | 1,635 |
| Total domestic deposits to total assets | 87.8704% | 2,239 |
| Equity capital to assets | 10.2741% | 3,816 |
| Core capital (leverage) ratio | 10.4789% | 2,754 |
| Tier 1 risk-based capital ratio | 13.2933% | 4,840 |
| Total risk-based capital ratio | 14.5521% | 4,815 |
| Memoranda: | ||
| Average total assets | $182,912,200 | 3,287 |
| Average earning assets | $171,060,200 | 3,223 |
| Average equity | $18,666,400 | 3,330 |
| Average total loans | $150,592,000 | 2,635 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8113% | 3,979 |
| Cost of funding earning assets | 1.0761% | 3,138 |
| Net interest margin | 3.7352% | 4,186 |
| Noninterest income to average assets | 0.6920% | 2,652 |
| Noninterest expense to average assets | 3.0541% | 3,336 |
| Loan and lease loss provision to assets | 0.3475% | 2,796 |
| Net operating income to assets | 0.4886% | 4,589 |
| Return on assets (ROA) | 0.4886% | 4,780 |
| Pretax return on assets | 0.7842% | 4,189 |
| Return on Equity (ROE) | 4.7965% | 4,614 |
| Retained earnings to average equity (ytd only) | 3.7913% | 4,036 |
| Net charge-offs to loans | 0.0414% | 5,571 |
| Credit loss provision to net charge-offs | 1,010.6383% | 258 |
| Earnings coverage of net charge-offs (x) | 32.9124% | 875 |
| Efficiency ratio | 72.9640% | 3,368 |
| Assets per employee ($millions) | 3.6475% | 4,651 |
| Cash dividends to net income (ytd only)* | 20.9580% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9443% | 2,492 |
| Loan loss allowance to noncurrent loans | 44.0773% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 4.5385% | 1,316 |
| Noncurrent loans to loans | 4.4112% | 1,471 |
| Net loans and leases to total assets | 80.0542% | 510 |
| Net loans and leases to deposits | 91.2242% | 1,081 |
| Net loans and leases to core deposits | 97.6837% | 1,447 |
| Total domestic deposits to total assets | 87.7554% | 2,190 |
| Equity capital to assets | 10.3408% | 3,909 |
| Core capital (leverage) ratio | 10.3319% | 3,058 |
| Tier 1 risk-based capital ratio | 13.1344% | 4,997 |
| Total risk-based capital ratio | 14.3935% | 4,968 |
| Memoranda: | ||
| Average total assets | $182,266,250 | 3,312 |
| Average earning assets | $170,481,750 | 3,244 |
| Average equity | $18,568,500 | 3,343 |
| Average total loans | $151,202,250 | 2,646 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8128% | 4,044 |
| Cost of funding earning assets | 1.1077% | 3,182 |
| Net interest margin | 3.7052% | 4,240 |
| Noninterest income to average assets | 0.7024% | 2,539 |
| Noninterest expense to average assets | 3.0972% | 3,264 |
| Loan and lease loss provision to assets | 0.3567% | 2,647 |
| Net operating income to assets | 0.4412% | 4,764 |
| Return on assets (ROA) | 0.4412% | 4,901 |
| Pretax return on assets | 0.7068% | 4,361 |
| Return on Equity (ROE) | 4.3526% | 4,763 |
| Retained earnings to average equity (ytd only) | 2.8368% | 4,481 |
| Net charge-offs to loans | 0.0421% | 5,267 |
| Credit loss provision to net charge-offs | 1,015.6250% | 329 |
| Earnings coverage of net charge-offs (x) | 30.2813% | 914 |
| Efficiency ratio | 74.4395% | 3,282 |
| Assets per employee ($millions) | 3.5561% | 4,793 |
| Cash dividends to net income (ytd only)* | 34.8259% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8025% | 2,985 |
| Loan loss allowance to noncurrent loans | 43.5744% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 4.4942% | 1,398 |
| Noncurrent loans to loans | 4.1366% | 1,649 |
| Net loans and leases to total assets | 84.5646% | 207 |
| Net loans and leases to deposits | 97.3009% | 632 |
| Net loans and leases to core deposits | 104.4747% | 1,015 |
| Total domestic deposits to total assets | 86.9104% | 2,792 |
| Equity capital to assets | 10.4547% | 3,566 |
| Core capital (leverage) ratio | 10.3542% | 2,878 |
| Tier 1 risk-based capital ratio | 12.8396% | 5,055 |
| Total risk-based capital ratio | 14.0972% | 5,023 |
| Memoranda: | ||
| Average total assets | $182,230,330 | 3,337 |
| Average earning assets | $170,087,000 | 3,274 |
| Average equity | $18,471,670 | 3,339 |
| Average total loans | $151,972,000 | 2,660 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7209% | 4,422 |
| Cost of funding earning assets | 1.1105% | 3,453 |
| Net interest margin | 3.6104% | 4,526 |
| Noninterest income to average assets | 0.7265% | 2,411 |
| Noninterest expense to average assets | 3.1034% | 3,230 |
| Loan and lease loss provision to assets | 0.3253% | 2,598 |
| Net operating income to assets | 0.4164% | 4,873 |
| Return on assets (ROA) | 0.4164% | 4,967 |
| Pretax return on assets | 0.6680% | 4,430 |
| Return on Equity (ROE) | 4.1710% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.1710% | 3,665 |
| Net charge-offs to loans | -0.0106% | 6,379 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7544% | 3,194 |
| Assets per employee ($millions) | 3.6666% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7351% | 3,228 |
| Loan loss allowance to noncurrent loans | 41.4650% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 4.9292% | 1,278 |
| Noncurrent loans to loans | 4.1844% | 1,717 |
| Net loans and leases to total assets | 82.6214% | 299 |
| Net loans and leases to deposits | 94.9992% | 752 |
| Net loans and leases to core deposits | 101.6142% | 1,224 |
| Total domestic deposits to total assets | 86.9706% | 2,957 |
| Equity capital to assets | 10.3026% | 3,409 |
| Core capital (leverage) ratio | 10.0435% | 3,094 |
| Tier 1 risk-based capital ratio | 12.7738% | 4,993 |
| Total risk-based capital ratio | 14.0309% | 4,967 |
| Memoranda: | ||
| Average total assets | $184,443,000 | 3,332 |
| Average earning assets | $172,169,500 | 3,267 |
| Average equity | $18,413,000 | 3,339 |
| Average total loans | $151,398,000 | 2,696 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0369% | 4,379 |
| Cost of funding earning assets | 1.4260% | 3,093 |
| Net interest margin | 3.6109% | 4,763 |
| Noninterest income to average assets | 0.6674% | 3,037 |
| Noninterest expense to average assets | 3.0176% | 3,781 |
| Loan and lease loss provision to assets | 0.3735% | 3,885 |
| Net operating income to assets | 0.4124% | 4,490 |
| Return on assets (ROA) | 0.4124% | 4,627 |
| Pretax return on assets | 0.6605% | 4,126 |
| Return on Equity (ROE) | 4.3796% | 4,353 |
| Retained earnings to average equity (ytd only) | 4.3796% | 2,780 |
| Net charge-offs to loans | 0.3804% | 4,140 |
| Credit loss provision to net charge-offs | 117.8451% | 3,614 |
| Earnings coverage of net charge-offs (x) | 3.2626% | 3,445 |
| Efficiency ratio | 74.4799% | 3,301 |
| Assets per employee ($millions) | 3.8617% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6259% | 3,482 |
| Loan loss allowance to noncurrent loans | 45.4914% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 4.0613% | 1,669 |
| Noncurrent loans to loans | 3.5740% | 2,101 |
| Net loans and leases to total assets | 78.8847% | 819 |
| Net loans and leases to deposits | 90.6005% | 1,451 |
| Net loans and leases to core deposits | 96.7620% | 1,919 |
| Total domestic deposits to total assets | 87.0687% | 2,785 |
| Equity capital to assets | 9.6796% | 4,171 |
| Core capital (leverage) ratio | 10.1267% | 2,951 |
| Tier 1 risk-based capital ratio | 12.5608% | 4,966 |
| Total risk-based capital ratio | 13.8162% | 4,951 |
| Memoranda: | ||
| Average total assets | $187,436,200 | 3,267 |
| Average earning assets | $175,664,800 | 3,175 |
| Average equity | $17,650,200 | 3,481 |
| Average total loans | $156,158,600 | 2,669 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0936% | 4,358 |
| Cost of funding earning assets | 1.5044% | 2,951 |
| Net interest margin | 3.5892% | 4,923 |
| Noninterest income to average assets | 0.6132% | 3,363 |
| Noninterest expense to average assets | 2.9962% | 3,761 |
| Loan and lease loss provision to assets | 0.3565% | 3,761 |
| Net operating income to assets | 0.3964% | 4,764 |
| Return on assets (ROA) | 0.3964% | 4,945 |
| Pretax return on assets | 0.6339% | 4,474 |
| Return on Equity (ROE) | 4.2400% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.2400% | 3,506 |
| Net charge-offs to loans | 0.2374% | 4,524 |
| Credit loss provision to net charge-offs | 178.5714% | 2,057 |
| Earnings coverage of net charge-offs (x) | 4.9608% | 2,883 |
| Efficiency ratio | 75.1565% | 3,116 |
| Assets per employee ($millions) | 3.7035% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6794% | 3,222 |
| Loan loss allowance to noncurrent loans | 44.9887% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 4.3186% | 1,573 |
| Noncurrent loans to loans | 3.7328% | 2,078 |
| Net loans and leases to total assets | 83.2694% | 383 |
| Net loans and leases to deposits | 97.2707% | 860 |
| Net loans and leases to core deposits | 105.1837% | 1,387 |
| Total domestic deposits to total assets | 85.6059% | 3,289 |
| Equity capital to assets | 9.9802% | 4,179 |
| Core capital (leverage) ratio | 9.8566% | 3,421 |
| Tier 1 risk-based capital ratio | 12.1121% | 5,354 |
| Total risk-based capital ratio | 13.3680% | 5,309 |
| Memoranda: | ||
| Average total assets | $186,989,500 | 3,317 |
| Average earning assets | $175,744,000 | 3,218 |
| Average equity | $17,483,750 | 3,558 |
| Average total loans | $157,264,500 | 2,696 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1060% | 4,421 |
| Cost of funding earning assets | 1.5559% | 2,929 |
| Net interest margin | 3.5501% | 5,046 |
| Noninterest income to average assets | 0.5285% | 3,887 |
| Noninterest expense to average assets | 2.9148% | 4,021 |
| Loan and lease loss provision to assets | 0.3707% | 3,487 |
| Net operating income to assets | 0.3644% | 4,913 |
| Return on assets (ROA) | 0.3644% | 5,072 |
| Pretax return on assets | 0.5804% | 4,624 |
| Return on Equity (ROE) | 3.9827% | 4,786 |
| Retained earnings to average equity (ytd only) | 3.9827% | 3,545 |
| Net charge-offs to loans | 0.3673% | 3,521 |
| Credit loss provision to net charge-offs | 120.2749% | 3,373 |
| Earnings coverage of net charge-offs (x) | 3.0859% | 3,461 |
| Efficiency ratio | 75.3973% | 3,183 |
| Assets per employee ($millions) | 3.6699% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 3,654 |
| Loan loss allowance to noncurrent loans | 43.7930% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 3.9925% | 1,736 |
| Noncurrent loans to loans | 3.5476% | 2,228 |
| Net loans and leases to total assets | 83.5716% | 390 |
| Net loans and leases to deposits | 97.3026% | 935 |
| Net loans and leases to core deposits | 106.0645% | 1,436 |
| Total domestic deposits to total assets | 85.8883% | 3,157 |
| Equity capital to assets | 9.7486% | 4,340 |
| Core capital (leverage) ratio | 9.6900% | 3,554 |
| Tier 1 risk-based capital ratio | 11.7205% | 5,570 |
| Total risk-based capital ratio | 12.9744% | 5,527 |
| Memoranda: | ||
| Average total assets | $188,829,330 | 3,323 |
| Average earning assets | $177,516,330 | 3,224 |
| Average equity | $17,274,670 | 3,590 |
| Average total loans | $158,456,000 | 2,715 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0885% | 4,585 |
| Cost of funding earning assets | 1.6245% | 2,804 |
| Net interest margin | 3.4640% | 5,317 |
| Noninterest income to average assets | 0.5535% | 3,625 |
| Noninterest expense to average assets | 2.8178% | 4,422 |
| Loan and lease loss provision to assets | 0.4178% | 2,869 |
| Net operating income to assets | 0.3676% | 4,986 |
| Return on assets (ROA) | 0.3676% | 5,110 |
| Pretax return on assets | 0.5828% | 4,680 |
| Return on Equity (ROE) | 4.1490% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.1490% | 3,657 |
| Net charge-offs to loans | 0.2253% | 3,579 |
| Credit loss provision to net charge-offs | 222.2222% | 1,696 |
| Earnings coverage of net charge-offs (x) | 5.3222% | 2,425 |
| Efficiency ratio | 73.7965% | 3,603 |
| Assets per employee ($millions) | 3.5410% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 3,648 |
| Loan loss allowance to noncurrent loans | 37.6849% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 3.9281% | 1,759 |
| Noncurrent loans to loans | 4.1201% | 1,881 |
| Net loans and leases to total assets | 83.4829% | 427 |
| Net loans and leases to deposits | 97.3989% | 967 |
| Net loans and leases to core deposits | 105.9245% | 1,583 |
| Total domestic deposits to total assets | 85.7123% | 3,307 |
| Equity capital to assets | 9.4345% | 4,637 |
| Core capital (leverage) ratio | 9.2069% | 4,212 |
| Tier 1 risk-based capital ratio | 11.6422% | 5,537 |
| Total risk-based capital ratio | 12.8963% | 5,496 |
| Memoranda: | ||
| Average total assets | $191,497,500 | 3,344 |
| Average earning assets | $180,485,500 | 3,242 |
| Average equity | $16,968,000 | 3,661 |
| Average total loans | $159,800,000 | 2,760 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1588% | 5,837 |
| Cost of funding earning assets | 2.0734% | 2,605 |
| Net interest margin | 3.0854% | 6,417 |
| Noninterest income to average assets | 0.7512% | 2,670 |
| Noninterest expense to average assets | 2.9829% | 4,222 |
| Loan and lease loss provision to assets | 0.4535% | 4,106 |
| Net operating income to assets | 0.1501% | 5,049 |
| Return on assets (ROA) | 0.1501% | 5,120 |
| Pretax return on assets | 0.2231% | 4,953 |
| Return on Equity (ROE) | 1.7688% | 4,993 |
| Retained earnings to average equity (ytd only) | 0.0553% | 4,878 |
| Net charge-offs to loans | 0.3387% | 4,534 |
| Credit loss provision to net charge-offs | 162.3134% | 2,718 |
| Earnings coverage of net charge-offs (x) | 2.4216% | 3,917 |
| Efficiency ratio | 81.5100% | 2,670 |
| Assets per employee ($millions) | 3.6853% | 4,549 |
| Cash dividends to net income (ytd only)* | 96.8750% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 3,887 |
| Loan loss allowance to noncurrent loans | 35.4931% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 3.6744% | 1,814 |
| Noncurrent loans to loans | 4.1457% | 1,767 |
| Net loans and leases to total assets | 80.9398% | 846 |
| Net loans and leases to deposits | 95.1445% | 1,440 |
| Net loans and leases to core deposits | 120.4379% | 1,920 |
| Total domestic deposits to total assets | 85.0704% | 3,520 |
| Equity capital to assets | 8.3093% | 6,185 |
| Core capital (leverage) ratio | 8.7279% | 4,877 |
| Tier 1 risk-based capital ratio | 10.3572% | 6,533 |
| Total risk-based capital ratio | 11.6101% | 6,500 |
| Memoranda: | ||
| Average total assets | $191,829,200 | 3,268 |
| Average earning assets | $180,817,000 | 3,210 |
| Average equity | $16,282,600 | 3,824 |
| Average total loans | $158,263,600 | 2,794 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2197% | 5,798 |
| Cost of funding earning assets | 2.2002% | 2,417 |
| Net interest margin | 3.0195% | 6,549 |
| Noninterest income to average assets | 0.8197% | 2,338 |
| Noninterest expense to average assets | 3.0017% | 4,035 |
| Loan and lease loss provision to assets | 0.3980% | 3,925 |
| Net operating income to assets | 0.1787% | 5,225 |
| Return on assets (ROA) | 0.1787% | 5,293 |
| Pretax return on assets | 0.2688% | 5,141 |
| Return on Equity (ROE) | 2.0945% | 5,134 |
| Retained earnings to average equity (ytd only) | 0.9573% | 4,776 |
| Net charge-offs to loans | 0.3906% | 3,703 |
| Credit loss provision to net charge-offs | 123.3766% | 4,088 |
| Earnings coverage of net charge-offs (x) | 2.0671% | 4,274 |
| Efficiency ratio | 81.8234% | 2,601 |
| Assets per employee ($millions) | 3.4422% | 5,071 |
| Cash dividends to net income (ytd only)* | 54.2980% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 4,212 |
| Loan loss allowance to noncurrent loans | 39.6914% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 3.0509% | 2,263 |
| Noncurrent loans to loans | 3.3985% | 2,216 |
| Net loans and leases to total assets | 84.0024% | 540 |
| Net loans and leases to deposits | 97.6296% | 1,367 |
| Net loans and leases to core deposits | 123.3875% | 1,958 |
| Total domestic deposits to total assets | 86.0419% | 2,692 |
| Equity capital to assets | 8.7902% | 5,817 |
| Core capital (leverage) ratio | 8.6454% | 5,235 |
| Tier 1 risk-based capital ratio | 10.5730% | 6,385 |
| Total risk-based capital ratio | 11.8247% | 6,350 |
| Memoranda: | ||
| Average total assets | $190,955,750 | 3,304 |
| Average earning assets | $180,159,500 | 3,235 |
| Average equity | $16,295,750 | 3,855 |
| Average total loans | $157,715,750 | 2,835 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1961% | 6,089 |
| Cost of funding earning assets | 2.3146% | 2,294 |
| Net interest margin | 2.8814% | 6,845 |
| Noninterest income to average assets | 0.7433% | 2,737 |
| Noninterest expense to average assets | 2.9328% | 4,368 |
| Loan and lease loss provision to assets | 0.2803% | 4,334 |
| Net operating income to assets | 0.1599% | 5,391 |
| Return on assets (ROA) | 0.1599% | 5,483 |
| Pretax return on assets | 0.2377% | 5,359 |
| Return on Equity (ROE) | 1.8917% | 5,342 |
| Retained earnings to average equity (ytd only) | 1.0441% | 4,745 |
| Net charge-offs to loans | 0.4025% | 3,185 |
| Credit loss provision to net charge-offs | 85.1735% | 5,059 |
| Earnings coverage of net charge-offs (x) | 1.5741% | 4,359 |
| Efficiency ratio | 84.9880% | 2,361 |
| Assets per employee ($millions) | 3.7295% | 4,258 |
| Cash dividends to net income (ytd only)* | 44.8052% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 4,674 |
| Loan loss allowance to noncurrent loans | 47.5048% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 2.3486% | 2,768 |
| Noncurrent loans to loans | 2.6085% | 2,775 |
| Net loans and leases to total assets | 82.9660% | 791 |
| Net loans and leases to deposits | 95.9697% | 1,801 |
| Net loans and leases to core deposits | 123.5616% | 2,062 |
| Total domestic deposits to total assets | 86.4502% | 2,536 |
| Equity capital to assets | 8.5746% | 5,937 |
| Core capital (leverage) ratio | 8.5319% | 5,386 |
| Tier 1 risk-based capital ratio | 10.3957% | 6,485 |
| Total risk-based capital ratio | 11.6455% | 6,424 |
| Memoranda: | ||
| Average total assets | $192,648,330 | 3,314 |
| Average earning assets | $181,021,330 | 3,246 |
| Average equity | $16,281,330 | 3,861 |
| Average total loans | $157,528,670 | 2,867 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6267% | 4,202 |
| Cost of funding earning assets | 2.4199% | 2,208 |
| Net interest margin | 3.2067% | 5,836 |
| Noninterest income to average assets | 0.3796% | 5,387 |
| Noninterest expense to average assets | 2.7544% | 4,762 |
| Loan and lease loss provision to assets | 0.3095% | 3,484 |
| Net operating income to assets | 0.2063% | 5,640 |
| Return on assets (ROA) | 0.2063% | 5,805 |
| Pretax return on assets | 0.3095% | 5,657 |
| Return on Equity (ROE) | 2.4589% | 5,594 |
| Retained earnings to average equity (ytd only) | 0.7623% | 5,358 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6514% | 2,585 |
| Assets per employee ($millions) | 3.7241% | 4,286 |
| Cash dividends to net income (ytd only)* | 69.0000% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 3,525 |
| Loan loss allowance to noncurrent loans | 103.4696% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.1925% | 4,285 |
| Noncurrent loans to loans | 1.3482% | 4,292 |
| Net loans and leases to total assets | 81.0214% | 1,197 |
| Net loans and leases to deposits | 93.6952% | 2,319 |
| Net loans and leases to core deposits | 119.8632% | 2,425 |
| Total domestic deposits to total assets | 86.4734% | 2,463 |
| Equity capital to assets | 8.5684% | 5,961 |
| Core capital (leverage) ratio | 8.3639% | 5,784 |
| Tier 1 risk-based capital ratio | 10.5492% | 6,344 |
| Total risk-based capital ratio | 11.8067% | 6,248 |
| Memoranda: | ||
| Average total assets | $193,871,500 | 3,313 |
| Average earning assets | $180,995,500 | 3,265 |
| Average equity | $16,267,500 | 3,893 |
| Average total loans | $156,401,500 | 2,907 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2568% | 4,207 |
| Cost of funding earning assets | 3.1453% | 1,372 |
| Net interest margin | 3.1115% | 6,618 |
| Noninterest income to average assets | 0.4433% | 5,085 |
| Noninterest expense to average assets | 2.6465% | 5,461 |
| Loan and lease loss provision to assets | 0.1642% | 5,285 |
| Net operating income to assets | 0.3459% | 5,370 |
| Return on assets (ROA) | 0.3459% | 5,185 |
| Pretax return on assets | 0.5566% | 4,833 |
| Return on Equity (ROE) | 3.9333% | 4,850 |
| Retained earnings to average equity (ytd only) | 2.6326% | 3,549 |
| Net charge-offs to loans | 0.0722% | 5,733 |
| Credit loss provision to net charge-offs | 270.2703% | 1,706 |
| Earnings coverage of net charge-offs (x) | 11.8649% | 2,319 |
| Efficiency ratio | 78.5958% | 2,826 |
| Assets per employee ($millions) | 3.9563% | 3,608 |
| Cash dividends to net income (ytd only)* | 33.0696% | 3,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 3,833 |
| Loan loss allowance to noncurrent loans | 206.6259% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 5,451 |
| Noncurrent loans to loans | 0.6259% | 5,492 |
| Net loans and leases to total assets | 78.2128% | 2,082 |
| Net loans and leases to deposits | 90.6229% | 3,344 |
| Net loans and leases to core deposits | 116.7696% | 3,031 |
| Total domestic deposits to total assets | 86.3058% | 2,258 |
| Equity capital to assets | 8.2204% | 6,520 |
| Core capital (leverage) ratio | 8.2398% | 6,075 |
| Tier 1 risk-based capital ratio | 10.4015% | 6,313 |
| Total risk-based capital ratio | 11.6521% | 6,187 |
| Memoranda: | ||
| Average total assets | $182,730,800 | 3,379 |
| Average earning assets | $171,716,600 | 3,312 |
| Average equity | $16,067,800 | 3,917 |
| Average total loans | $153,756,200 | 2,862 |