Home > Peoples Bank of Commerce > Performance and Condition Ratios
Peoples Bank of Commerce, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8096% | 3,976 |
| Cost of funding earning assets | 0.1632% | 5,236 |
| Net interest margin | 3.6463% | 2,969 |
| Noninterest income to average assets | 0.8926% | 1,294 |
| Noninterest expense to average assets | 2.9475% | 2,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4136% | 1,060 |
| Return on assets (ROA) | 1.4285% | 1,052 |
| Pretax return on assets | 1.4303% | 2,013 |
| Return on Equity (ROE) | 12.5421% | 1,175 |
| Retained earnings to average equity (ytd only) | 1.3879% | 4,854 |
| Net charge-offs to loans | 0.5624% | 354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.3774% | 3,238 |
| Efficiency ratio | 67.5578% | 2,955 |
| Assets per employee ($millions) | 5.9153% | 1,557 |
| Cash dividends to net income (ytd only)* | 88.9344% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 1,365 |
| Loan loss allowance to noncurrent loans | 93.7635% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.9195% | 1,856 |
| Noncurrent loans to loans | 1.6542% | 1,106 |
| Net loans and leases to total assets | 54.7260% | 4,350 |
| Net loans and leases to deposits | 62.6859% | 4,464 |
| Net loans and leases to core deposits | 64.6658% | 4,578 |
| Total domestic deposits to total assets | 87.3021% | 1,728 |
| Equity capital to assets | 11.3690% | 2,495 |
| Core capital (leverage) ratio | 11.1588% | 2,316 |
| Tier 1 risk-based capital ratio | 16.7326% | 2,240 |
| Total risk-based capital ratio | 17.9836% | 2,196 |
| Memoranda: | ||
| Average total assets | $296,063,250 | 2,203 |
| Average earning assets | $281,774,000 | 2,165 |
| Average equity | $33,720,250 | 2,157 |
| Average total loans | $170,228,500 | 2,434 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 3,821 |
| Cost of funding earning assets | 0.1632% | 5,254 |
| Net interest margin | 3.6584% | 2,801 |
| Noninterest income to average assets | 0.7580% | 1,737 |
| Noninterest expense to average assets | 2.9641% | 2,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2665% | 1,386 |
| Return on assets (ROA) | 1.2740% | 1,393 |
| Pretax return on assets | 1.2767% | 2,473 |
| Return on Equity (ROE) | 11.1788% | 1,572 |
| Retained earnings to average equity (ytd only) | 0.8769% | 4,872 |
| Net charge-offs to loans | 0.8476% | 231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.5752% | 3,147 |
| Efficiency ratio | 70.0177% | 2,671 |
| Assets per employee ($millions) | 5.5110% | 1,862 |
| Cash dividends to net income (ytd only)* | 92.1558% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 1,393 |
| Loan loss allowance to noncurrent loans | 88.1114% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.4821% | 1,038 |
| Noncurrent loans to loans | 1.7604% | 1,026 |
| Net loans and leases to total assets | 56.3675% | 4,189 |
| Net loans and leases to deposits | 64.8791% | 4,312 |
| Net loans and leases to core deposits | 66.7823% | 4,426 |
| Total domestic deposits to total assets | 86.8809% | 1,995 |
| Equity capital to assets | 11.8315% | 2,058 |
| Core capital (leverage) ratio | 11.3444% | 2,088 |
| Tier 1 risk-based capital ratio | 16.6825% | 2,250 |
| Total risk-based capital ratio | 17.9334% | 2,205 |
| Memoranda: | ||
| Average total assets | $294,191,330 | 2,226 |
| Average earning assets | $279,462,670 | 2,176 |
| Average equity | $33,527,670 | 2,162 |
| Average total loans | $171,072,000 | 2,430 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7093% | 4,095 |
| Cost of funding earning assets | 0.1623% | 5,288 |
| Net interest margin | 3.5470% | 3,092 |
| Noninterest income to average assets | 0.6910% | 2,009 |
| Noninterest expense to average assets | 3.0131% | 2,133 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0474% | 2,079 |
| Return on assets (ROA) | 1.0595% | 2,074 |
| Pretax return on assets | 1.0649% | 3,113 |
| Return on Equity (ROE) | 9.4752% | 2,193 |
| Retained earnings to average equity (ytd only) | -2.4112% | 5,209 |
| Net charge-offs to loans | 1.7365% | 90 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.0346% | 2,766 |
| Efficiency ratio | 74.1086% | 2,213 |
| Assets per employee ($millions) | 5.3591% | 2,019 |
| Cash dividends to net income (ytd only)* | 125.4476% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 1,707 |
| Loan loss allowance to noncurrent loans | 51.4836% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 1.6923% | 884 |
| Noncurrent loans to loans | 2.9065% | 490 |
| Net loans and leases to total assets | 57.3528% | 4,033 |
| Net loans and leases to deposits | 65.5864% | 4,203 |
| Net loans and leases to core deposits | 67.3121% | 4,332 |
| Total domestic deposits to total assets | 87.4461% | 2,019 |
| Equity capital to assets | 11.2728% | 2,369 |
| Core capital (leverage) ratio | 11.2983% | 2,103 |
| Tier 1 risk-based capital ratio | 16.1690% | 2,482 |
| Total risk-based capital ratio | 17.4194% | 2,431 |
| Memoranda: | ||
| Average total assets | $295,244,500 | 2,232 |
| Average earning assets | $280,913,000 | 2,187 |
| Average equity | $33,012,500 | 2,195 |
| Average total loans | $172,990,500 | 2,428 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8635% | 3,702 |
| Cost of funding earning assets | 0.1711% | 5,280 |
| Net interest margin | 3.6924% | 2,726 |
| Noninterest income to average assets | 0.8348% | 1,634 |
| Noninterest expense to average assets | 3.1847% | 1,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1655% | 1,624 |
| Return on assets (ROA) | 1.2019% | 1,589 |
| Pretax return on assets | 1.2040% | 2,656 |
| Return on Equity (ROE) | 10.1960% | 1,878 |
| Retained earnings to average equity (ytd only) | 0.2862% | 5,204 |
| Net charge-offs to loans | 0.1777% | 1,543 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 11.4950% | 2,533 |
| Efficiency ratio | 73.1741% | 2,397 |
| Assets per employee ($millions) | 5.1884% | 2,194 |
| Cash dividends to net income (ytd only)* | 97.1926% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9035% | 798 |
| Loan loss allowance to noncurrent loans | 116.8662% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 1.3465% | 1,287 |
| Noncurrent loans to loans | 1.6288% | 1,200 |
| Net loans and leases to total assets | 57.8371% | 4,083 |
| Net loans and leases to deposits | 66.0645% | 4,241 |
| Net loans and leases to core deposits | 67.7065% | 4,419 |
| Total domestic deposits to total assets | 87.5463% | 1,851 |
| Equity capital to assets | 11.0903% | 2,550 |
| Core capital (leverage) ratio | 11.1153% | 2,241 |
| Tier 1 risk-based capital ratio | 16.0127% | 2,541 |
| Total risk-based capital ratio | 17.2674% | 2,477 |
| Memoranda: | ||
| Average total assets | $296,353,400 | 2,186 |
| Average earning assets | $282,306,000 | 2,140 |
| Average equity | $34,935,400 | 2,082 |
| Average total loans | $169,373,000 | 2,421 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8253% | 3,849 |
| Cost of funding earning assets | 0.1708% | 5,343 |
| Net interest margin | 3.6545% | 2,871 |
| Noninterest income to average assets | 0.7662% | 1,908 |
| Noninterest expense to average assets | 3.1441% | 1,918 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1017% | 1,988 |
| Return on assets (ROA) | 1.1467% | 1,927 |
| Pretax return on assets | 1.1494% | 3,055 |
| Return on Equity (ROE) | 9.5854% | 2,234 |
| Retained earnings to average equity (ytd only) | 0.5075% | 5,227 |
| Net charge-offs to loans | 0.2395% | 976 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 8.1324% | 2,805 |
| Efficiency ratio | 74.0051% | 2,286 |
| Assets per employee ($millions) | 4.9950% | 2,372 |
| Cash dividends to net income (ytd only)* | 94.7058% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8972% | 859 |
| Loan loss allowance to noncurrent loans | 110.3425% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.0200% | 2,023 |
| Noncurrent loans to loans | 1.7194% | 1,215 |
| Net loans and leases to total assets | 57.2484% | 4,171 |
| Net loans and leases to deposits | 66.0150% | 4,344 |
| Net loans and leases to core deposits | 67.6454% | 4,497 |
| Total domestic deposits to total assets | 86.7203% | 2,022 |
| Equity capital to assets | 12.0097% | 2,112 |
| Core capital (leverage) ratio | 11.1489% | 2,312 |
| Tier 1 risk-based capital ratio | 15.8684% | 2,682 |
| Total risk-based capital ratio | 17.1226% | 2,616 |
| Memoranda: | ||
| Average total assets | $296,507,750 | 2,192 |
| Average earning assets | $282,532,250 | 2,146 |
| Average equity | $35,469,750 | 2,065 |
| Average total loans | $168,125,250 | 2,436 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7934% | 3,975 |
| Cost of funding earning assets | 0.1718% | 5,393 |
| Net interest margin | 3.6216% | 3,011 |
| Noninterest income to average assets | 0.7413% | 1,968 |
| Noninterest expense to average assets | 3.2026% | 1,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9870% | 2,441 |
| Return on assets (ROA) | 1.0351% | 2,365 |
| Pretax return on assets | 1.0391% | 3,437 |
| Return on Equity (ROE) | 8.6640% | 2,660 |
| Retained earnings to average equity (ytd only) | -0.5270% | 5,370 |
| Net charge-offs to loans | 0.3774% | 613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 4.6773% | 2,959 |
| Efficiency ratio | 76.3680% | 2,033 |
| Assets per employee ($millions) | 4.9940% | 2,304 |
| Cash dividends to net income (ytd only)* | 106.0824% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9890% | 755 |
| Loan loss allowance to noncurrent loans | 104.8842% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.0871% | 1,948 |
| Noncurrent loans to loans | 1.8964% | 1,071 |
| Net loans and leases to total assets | 55.3046% | 4,379 |
| Net loans and leases to deposits | 63.8302% | 4,500 |
| Net loans and leases to core deposits | 65.3680% | 4,655 |
| Total domestic deposits to total assets | 86.6434% | 2,089 |
| Equity capital to assets | 12.1552% | 2,012 |
| Core capital (leverage) ratio | 11.1355% | 2,293 |
| Tier 1 risk-based capital ratio | 16.4416% | 2,453 |
| Total risk-based capital ratio | 17.6968% | 2,390 |
| Memoranda: | ||
| Average total assets | $295,444,000 | 2,209 |
| Average earning assets | $281,647,330 | 2,163 |
| Average equity | $35,295,330 | 2,076 |
| Average total loans | $165,870,000 | 2,463 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8284% | 3,847 |
| Cost of funding earning assets | 0.1743% | 5,425 |
| Net interest margin | 3.6541% | 2,875 |
| Noninterest income to average assets | 0.7301% | 1,901 |
| Noninterest expense to average assets | 3.2504% | 1,723 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9654% | 2,433 |
| Return on assets (ROA) | 1.0614% | 2,155 |
| Pretax return on assets | 1.0614% | 3,239 |
| Return on Equity (ROE) | 8.9623% | 2,444 |
| Retained earnings to average equity (ytd only) | -0.2740% | 5,156 |
| Net charge-offs to loans | 0.0531% | 1,997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 32.4545% | 1,139 |
| Efficiency ratio | 77.1007% | 2,028 |
| Assets per employee ($millions) | 5.0555% | 2,283 |
| Cash dividends to net income (ytd only)* | 103.0573% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1906% | 600 |
| Loan loss allowance to noncurrent loans | 100.7843% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.2175% | 1,790 |
| Noncurrent loans to loans | 2.1735% | 952 |
| Net loans and leases to total assets | 54.7889% | 4,376 |
| Net loans and leases to deposits | 63.2121% | 4,488 |
| Net loans and leases to core deposits | 64.8613% | 4,635 |
| Total domestic deposits to total assets | 86.6748% | 2,371 |
| Equity capital to assets | 12.1428% | 1,927 |
| Core capital (leverage) ratio | 11.2901% | 2,153 |
| Tier 1 risk-based capital ratio | 16.6994% | 2,397 |
| Total risk-based capital ratio | 17.9568% | 2,340 |
| Memoranda: | ||
| Average total assets | $295,842,000 | 2,210 |
| Average earning assets | $282,203,000 | 2,166 |
| Average equity | $35,035,500 | 2,081 |
| Average total loans | $165,674,500 | 2,460 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9214% | 3,633 |
| Cost of funding earning assets | 0.1762% | 5,495 |
| Net interest margin | 3.7453% | 2,577 |
| Noninterest income to average assets | 0.8481% | 1,611 |
| Noninterest expense to average assets | 3.2256% | 1,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1724% | 1,660 |
| Return on assets (ROA) | 1.2314% | 1,505 |
| Pretax return on assets | 1.2335% | 2,528 |
| Return on Equity (ROE) | 10.1108% | 1,970 |
| Retained earnings to average equity (ytd only) | -0.8243% | 5,636 |
| Net charge-offs to loans | 0.0503% | 3,197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 41.8250% | 1,136 |
| Efficiency ratio | 73.3067% | 2,694 |
| Assets per employee ($millions) | 4.9744% | 2,399 |
| Cash dividends to net income (ytd only)* | 108.1528% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1664% | 624 |
| Loan loss allowance to noncurrent loans | 102.8117% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.1797% | 1,845 |
| Noncurrent loans to loans | 2.1071% | 973 |
| Net loans and leases to total assets | 54.7734% | 4,422 |
| Net loans and leases to deposits | 62.7924% | 4,565 |
| Net loans and leases to core deposits | 64.4892% | 4,709 |
| Total domestic deposits to total assets | 87.2294% | 2,018 |
| Equity capital to assets | 11.5477% | 2,320 |
| Core capital (leverage) ratio | 10.9484% | 2,451 |
| Tier 1 risk-based capital ratio | 16.1006% | 2,647 |
| Total risk-based capital ratio | 17.3572% | 2,587 |
| Memoranda: | ||
| Average total assets | $284,880,600 | 2,235 |
| Average earning assets | $270,181,200 | 2,197 |
| Average equity | $34,695,600 | 2,056 |
| Average total loans | $159,108,600 | 2,486 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9216% | 3,677 |
| Cost of funding earning assets | 0.1770% | 5,579 |
| Net interest margin | 3.7446% | 2,589 |
| Noninterest income to average assets | 0.8720% | 1,540 |
| Noninterest expense to average assets | 3.2423% | 1,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1742% | 1,737 |
| Return on assets (ROA) | 1.2538% | 1,526 |
| Pretax return on assets | 1.2566% | 2,569 |
| Return on Equity (ROE) | 10.1552% | 2,046 |
| Retained earnings to average equity (ytd only) | -2.2482% | 5,882 |
| Net charge-offs to loans | -0.0161% | 5,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3655% | 2,657 |
| Assets per employee ($millions) | 4.8692% | 2,460 |
| Cash dividends to net income (ytd only)* | 122.1381% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3696% | 522 |
| Loan loss allowance to noncurrent loans | 102.9338% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.2576% | 1,860 |
| Noncurrent loans to loans | 2.3021% | 929 |
| Net loans and leases to total assets | 53.3371% | 4,637 |
| Net loans and leases to deposits | 61.5117% | 4,757 |
| Net loans and leases to core deposits | 63.4584% | 4,843 |
| Total domestic deposits to total assets | 86.7106% | 2,185 |
| Equity capital to assets | 12.0324% | 2,082 |
| Core capital (leverage) ratio | 11.4277% | 2,101 |
| Tier 1 risk-based capital ratio | 17.0230% | 2,370 |
| Total risk-based capital ratio | 18.2816% | 2,313 |
| Memoranda: | ||
| Average total assets | $281,484,250 | 2,274 |
| Average earning assets | $266,652,500 | 2,240 |
| Average equity | $34,753,000 | 2,069 |
| Average total loans | $157,110,750 | 2,515 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9400% | 3,532 |
| Cost of funding earning assets | 0.1768% | 5,639 |
| Net interest margin | 3.7632% | 2,467 |
| Noninterest income to average assets | 0.8936% | 1,465 |
| Noninterest expense to average assets | 3.2581% | 1,824 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1948% | 1,618 |
| Return on assets (ROA) | 1.3150% | 1,329 |
| Pretax return on assets | 1.3193% | 2,291 |
| Return on Equity (ROE) | 10.5587% | 1,828 |
| Retained earnings to average equity (ytd only) | -2.6483% | 5,886 |
| Net charge-offs to loans | -0.0293% | 5,320 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0979% | 2,817 |
| Assets per employee ($millions) | 4.5754% | 2,862 |
| Cash dividends to net income (ytd only)* | 125.0816% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3431% | 603 |
| Loan loss allowance to noncurrent loans | 99.0423% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.3693% | 1,829 |
| Noncurrent loans to loans | 2.3657% | 984 |
| Net loans and leases to total assets | 56.5238% | 4,277 |
| Net loans and leases to deposits | 65.4682% | 4,387 |
| Net loans and leases to core deposits | 67.6762% | 4,514 |
| Total domestic deposits to total assets | 86.3379% | 2,511 |
| Equity capital to assets | 12.4240% | 1,697 |
| Core capital (leverage) ratio | 11.8023% | 1,773 |
| Tier 1 risk-based capital ratio | 16.7980% | 2,486 |
| Total risk-based capital ratio | 18.0563% | 2,439 |
| Memoranda: | ||
| Average total assets | $279,551,670 | 2,307 |
| Average earning assets | $264,720,000 | 2,271 |
| Average equity | $34,815,000 | 2,069 |
| Average total loans | $157,165,330 | 2,520 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8951% | 3,646 |
| Cost of funding earning assets | 0.1755% | 5,718 |
| Net interest margin | 3.7196% | 2,558 |
| Noninterest income to average assets | 0.7927% | 1,741 |
| Noninterest expense to average assets | 3.2163% | 1,938 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0877% | 1,911 |
| Return on assets (ROA) | 1.3259% | 1,274 |
| Pretax return on assets | 1.3316% | 2,149 |
| Return on Equity (ROE) | 10.6344% | 1,752 |
| Retained earnings to average equity (ytd only) | -4.7201% | 5,917 |
| Net charge-offs to loans | -0.0384% | 5,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6298% | 2,714 |
| Assets per employee ($millions) | 4.7280% | 2,722 |
| Cash dividends to net income (ytd only)* | 144.3850% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3217% | 690 |
| Loan loss allowance to noncurrent loans | 89.7343% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.6180% | 1,577 |
| Noncurrent loans to loans | 2.5873% | 924 |
| Net loans and leases to total assets | 55.0973% | 4,309 |
| Net loans and leases to deposits | 63.7743% | 4,394 |
| Net loans and leases to core deposits | 65.8491% | 4,532 |
| Total domestic deposits to total assets | 86.3942% | 2,713 |
| Equity capital to assets | 12.4432% | 1,727 |
| Core capital (leverage) ratio | 11.8850% | 1,710 |
| Tier 1 risk-based capital ratio | 16.9764% | 2,486 |
| Total risk-based capital ratio | 18.2343% | 2,439 |
| Memoranda: | ||
| Average total assets | $282,065,000 | 2,304 |
| Average earning assets | $266,692,000 | 2,273 |
| Average equity | $35,169,000 | 2,055 |
| Average total loans | $156,300,500 | 2,534 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9607% | 3,868 |
| Cost of funding earning assets | 0.2046% | 5,706 |
| Net interest margin | 3.7562% | 2,791 |
| Noninterest income to average assets | 0.9816% | 1,256 |
| Noninterest expense to average assets | 3.3821% | 1,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1347% | 1,840 |
| Return on assets (ROA) | 1.1555% | 1,815 |
| Pretax return on assets | 1.1573% | 2,836 |
| Return on Equity (ROE) | 9.5423% | 2,319 |
| Retained earnings to average equity (ytd only) | 1.3340% | 5,177 |
| Net charge-offs to loans | 0.1853% | 2,190 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 11.2021% | 2,527 |
| Efficiency ratio | 74.8494% | 2,684 |
| Assets per employee ($millions) | 4.3820% | 3,219 |
| Cash dividends to net income (ytd only)* | 86.0202% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4249% | 607 |
| Loan loss allowance to noncurrent loans | 86.2270% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.6905% | 1,585 |
| Noncurrent loans to loans | 2.8122% | 835 |
| Net loans and leases to total assets | 53.0883% | 4,678 |
| Net loans and leases to deposits | 62.1859% | 4,711 |
| Net loans and leases to core deposits | 64.3720% | 4,801 |
| Total domestic deposits to total assets | 85.3703% | 3,135 |
| Equity capital to assets | 12.4938% | 1,658 |
| Core capital (leverage) ratio | 11.5756% | 1,918 |
| Tier 1 risk-based capital ratio | 17.8994% | 2,174 |
| Total risk-based capital ratio | 19.1588% | 2,134 |
| Memoranda: | ||
| Average total assets | $282,904,200 | 2,254 |
| Average earning assets | $266,389,200 | 2,230 |
| Average equity | $34,258,000 | 2,034 |
| Average total loans | $154,881,800 | 2,498 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9649% | 3,906 |
| Cost of funding earning assets | 0.2034% | 5,792 |
| Net interest margin | 3.7615% | 2,767 |
| Noninterest income to average assets | 0.9918% | 1,246 |
| Noninterest expense to average assets | 3.3606% | 1,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1677% | 1,802 |
| Return on assets (ROA) | 1.1950% | 1,766 |
| Pretax return on assets | 1.1973% | 2,786 |
| Return on Equity (ROE) | 9.9461% | 2,246 |
| Retained earnings to average equity (ytd only) | 2.2663% | 4,924 |
| Net charge-offs to loans | 0.1973% | 1,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 10.8174% | 2,500 |
| Efficiency ratio | 74.1748% | 2,796 |
| Assets per employee ($millions) | 4.4821% | 3,006 |
| Cash dividends to net income (ytd only)* | 77.2135% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4112% | 721 |
| Loan loss allowance to noncurrent loans | 77.2092% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.7814% | 1,679 |
| Noncurrent loans to loans | 3.1229% | 827 |
| Net loans and leases to total assets | 53.0092% | 4,696 |
| Net loans and leases to deposits | 61.5246% | 4,791 |
| Net loans and leases to core deposits | 63.5599% | 4,920 |
| Total domestic deposits to total assets | 86.1593% | 2,778 |
| Equity capital to assets | 12.2539% | 1,865 |
| Core capital (leverage) ratio | 11.5920% | 1,985 |
| Tier 1 risk-based capital ratio | 17.6840% | 2,323 |
| Total risk-based capital ratio | 18.9433% | 2,281 |
| Memoranda: | ||
| Average total assets | $283,517,750 | 2,264 |
| Average earning assets | $266,730,750 | 2,233 |
| Average equity | $34,062,750 | 2,048 |
| Average total loans | $155,455,750 | 2,499 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9870% | 3,779 |
| Cost of funding earning assets | 0.2035% | 5,878 |
| Net interest margin | 3.7835% | 2,623 |
| Noninterest income to average assets | 0.8902% | 1,526 |
| Noninterest expense to average assets | 3.3824% | 1,721 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0602% | 2,078 |
| Return on assets (ROA) | 1.1020% | 1,999 |
| Pretax return on assets | 1.1055% | 3,083 |
| Return on Equity (ROE) | 9.2344% | 2,485 |
| Retained earnings to average equity (ytd only) | 2.6350% | 4,524 |
| Net charge-offs to loans | 0.3103% | 1,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.2324% | 2,801 |
| Efficiency ratio | 76.0752% | 2,618 |
| Assets per employee ($millions) | 4.5642% | 2,819 |
| Cash dividends to net income (ytd only)* | 71.4653% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4149% | 800 |
| Loan loss allowance to noncurrent loans | 72.5688% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 1.9799% | 1,622 |
| Noncurrent loans to loans | 3.3278% | 829 |
| Net loans and leases to total assets | 52.6429% | 4,682 |
| Net loans and leases to deposits | 61.7142% | 4,719 |
| Net loans and leases to core deposits | 63.8270% | 4,831 |
| Total domestic deposits to total assets | 85.3011% | 3,361 |
| Equity capital to assets | 12.1894% | 1,856 |
| Core capital (leverage) ratio | 11.6548% | 1,881 |
| Tier 1 risk-based capital ratio | 17.6349% | 2,369 |
| Total risk-based capital ratio | 18.8942% | 2,342 |
| Memoranda: | ||
| Average total assets | $282,405,000 | 2,275 |
| Average earning assets | $265,414,330 | 2,241 |
| Average equity | $33,700,000 | 2,060 |
| Average total loans | $155,335,330 | 2,501 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0319% | 3,553 |
| Cost of funding earning assets | 0.2027% | 5,969 |
| Net interest margin | 3.8293% | 2,349 |
| Noninterest income to average assets | 0.8062% | 1,722 |
| Noninterest expense to average assets | 3.5635% | 1,372 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8348% | 2,980 |
| Return on assets (ROA) | 0.9191% | 2,628 |
| Pretax return on assets | 0.9191% | 3,629 |
| Return on Equity (ROE) | 7.7880% | 3,049 |
| Retained earnings to average equity (ytd only) | 1.6472% | 4,954 |
| Net charge-offs to loans | -0.5687% | 6,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0205% | 2,049 |
| Assets per employee ($millions) | 4.5500% | 2,898 |
| Cash dividends to net income (ytd only)* | 78.8491% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7077% | 615 |
| Loan loss allowance to noncurrent loans | 70.3091% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 2.4954% | 1,277 |
| Noncurrent loans to loans | 3.8511% | 712 |
| Net loans and leases to total assets | 52.7476% | 4,568 |
| Net loans and leases to deposits | 61.5948% | 4,597 |
| Net loans and leases to core deposits | 63.5549% | 4,728 |
| Total domestic deposits to total assets | 85.6365% | 3,540 |
| Equity capital to assets | 11.7234% | 2,084 |
| Core capital (leverage) ratio | 11.7474% | 1,804 |
| Tier 1 risk-based capital ratio | 17.5426% | 2,465 |
| Total risk-based capital ratio | 18.8055% | 2,431 |
| Memoranda: | ||
| Average total assets | $279,835,000 | 2,303 |
| Average earning assets | $262,503,500 | 2,266 |
| Average equity | $33,025,000 | 2,086 |
| Average total loans | $155,444,000 | 2,514 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1333% | 3,608 |
| Cost of funding earning assets | 0.2140% | 6,209 |
| Net interest margin | 3.9193% | 2,224 |
| Noninterest income to average assets | 0.9690% | 1,468 |
| Noninterest expense to average assets | 3.6109% | 1,426 |
| Loan and lease loss provision to assets | 0.0361% | 4,400 |
| Net operating income to assets | 1.0098% | 2,283 |
| Return on assets (ROA) | 1.0603% | 2,156 |
| Pretax return on assets | 1.0621% | 3,102 |
| Return on Equity (ROE) | 8.3566% | 2,853 |
| Retained earnings to average equity (ytd only) | -5.6592% | 6,402 |
| Net charge-offs to loans | 0.2813% | 2,290 |
| Credit loss provision to net charge-offs | 22.0264% | 4,413 |
| Earnings coverage of net charge-offs (x) | 6.3921% | 3,073 |
| Efficiency ratio | 77.5108% | 2,541 |
| Assets per employee ($millions) | 4.3337% | 3,213 |
| Cash dividends to net income (ytd only)* | 167.7222% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5643% | 762 |
| Loan loss allowance to noncurrent loans | 59.0317% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 3.1338% | 991 |
| Noncurrent loans to loans | 4.3440% | 626 |
| Net loans and leases to total assets | 55.4875% | 4,386 |
| Net loans and leases to deposits | 65.6048% | 4,342 |
| Net loans and leases to core deposits | 67.7519% | 4,544 |
| Total domestic deposits to total assets | 84.5784% | 3,934 |
| Equity capital to assets | 11.8837% | 1,878 |
| Core capital (leverage) ratio | 11.4795% | 1,978 |
| Tier 1 risk-based capital ratio | 17.1350% | 2,547 |
| Total risk-based capital ratio | 18.3957% | 2,520 |
| Memoranda: | ||
| Average total assets | $276,997,200 | 2,294 |
| Average earning assets | $260,757,800 | 2,247 |
| Average equity | $35,146,000 | 1,962 |
| Average total loans | $161,365,000 | 2,407 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1342% | 3,624 |
| Cost of funding earning assets | 0.2144% | 6,327 |
| Net interest margin | 3.9198% | 2,197 |
| Noninterest income to average assets | 1.0038% | 1,442 |
| Noninterest expense to average assets | 3.5127% | 1,590 |
| Loan and lease loss provision to assets | 0.0480% | 4,054 |
| Net operating income to assets | 1.1329% | 1,874 |
| Return on assets (ROA) | 1.1995% | 1,711 |
| Pretax return on assets | 1.2019% | 2,685 |
| Return on Equity (ROE) | 9.3089% | 2,485 |
| Retained earnings to average equity (ytd only) | -4.7084% | 6,480 |
| Net charge-offs to loans | 0.2604% | 2,254 |
| Credit loss provision to net charge-offs | 31.4465% | 3,867 |
| Earnings coverage of net charge-offs (x) | 7.7578% | 2,736 |
| Efficiency ratio | 74.8034% | 2,939 |
| Assets per employee ($millions) | 4.2937% | 3,241 |
| Cash dividends to net income (ytd only)* | 150.5800% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5857% | 845 |
| Loan loss allowance to noncurrent loans | 48.7698% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 3.3964% | 1,012 |
| Noncurrent loans to loans | 5.3019% | 536 |
| Net loans and leases to total assets | 55.6554% | 4,366 |
| Net loans and leases to deposits | 66.2606% | 4,273 |
| Net loans and leases to core deposits | 68.3927% | 4,495 |
| Total domestic deposits to total assets | 83.9947% | 4,185 |
| Equity capital to assets | 12.2101% | 1,775 |
| Core capital (leverage) ratio | 11.8937% | 1,742 |
| Tier 1 risk-based capital ratio | 17.3032% | 2,584 |
| Total risk-based capital ratio | 18.5645% | 2,548 |
| Memoranda: | ||
| Average total assets | $277,991,500 | 2,295 |
| Average earning assets | $261,842,750 | 2,245 |
| Average equity | $35,821,250 | 1,939 |
| Average total loans | $162,836,500 | 2,395 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 3,569 |
| Cost of funding earning assets | 0.2169% | 6,389 |
| Net interest margin | 3.9264% | 2,126 |
| Noninterest income to average assets | 1.0525% | 1,374 |
| Noninterest expense to average assets | 3.5710% | 1,464 |
| Loan and lease loss provision to assets | 0.0720% | 3,595 |
| Net operating income to assets | 1.1101% | 1,895 |
| Return on assets (ROA) | 1.2103% | 1,672 |
| Pretax return on assets | 1.2139% | 2,606 |
| Return on Equity (ROE) | 9.2301% | 2,530 |
| Retained earnings to average equity (ytd only) | -6.5490% | 6,551 |
| Net charge-offs to loans | 0.3915% | 1,652 |
| Credit loss provision to net charge-offs | 31.1526% | 3,571 |
| Earnings coverage of net charge-offs (x) | 5.1277% | 2,962 |
| Efficiency ratio | 75.0719% | 2,934 |
| Assets per employee ($millions) | 4.1625% | 3,443 |
| Cash dividends to net income (ytd only)* | 170.9524% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5616% | 917 |
| Loan loss allowance to noncurrent loans | 52.0005% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 3.1324% | 1,271 |
| Noncurrent loans to loans | 4.9261% | 667 |
| Net loans and leases to total assets | 56.1928% | 4,247 |
| Net loans and leases to deposits | 68.3621% | 3,959 |
| Net loans and leases to core deposits | 70.6106% | 4,205 |
| Total domestic deposits to total assets | 82.1987% | 4,982 |
| Equity capital to assets | 12.2428% | 1,745 |
| Core capital (leverage) ratio | 12.0469% | 1,588 |
| Tier 1 risk-based capital ratio | 17.2137% | 2,635 |
| Total risk-based capital ratio | 18.4746% | 2,603 |
| Memoranda: | ||
| Average total assets | $277,625,670 | 2,305 |
| Average earning assets | $261,922,330 | 2,251 |
| Average equity | $36,402,670 | 1,922 |
| Average total loans | $163,965,000 | 2,384 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2023% | 3,290 |
| Cost of funding earning assets | 0.2249% | 6,443 |
| Net interest margin | 3.9774% | 1,872 |
| Noninterest income to average assets | 0.9762% | 1,533 |
| Noninterest expense to average assets | 3.6665% | 1,302 |
| Loan and lease loss provision to assets | 0.1444% | 2,434 |
| Net operating income to assets | 0.9143% | 2,587 |
| Return on assets (ROA) | 1.0758% | 2,057 |
| Pretax return on assets | 1.0831% | 3,020 |
| Return on Equity (ROE) | 7.9399% | 3,011 |
| Retained earnings to average equity (ytd only) | -9.4000% | 6,588 |
| Net charge-offs to loans | 0.4060% | 1,440 |
| Credit loss provision to net charge-offs | 59.5238% | 2,461 |
| Earnings coverage of net charge-offs (x) | 4.3869% | 2,572 |
| Efficiency ratio | 77.5031% | 2,691 |
| Assets per employee ($millions) | 4.0911% | 3,761 |
| Cash dividends to net income (ytd only)* | 218.3893% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6275% | 984 |
| Loan loss allowance to noncurrent loans | 51.2105% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 3.1200% | 1,417 |
| Noncurrent loans to loans | 5.1309% | 731 |
| Net loans and leases to total assets | 57.7710% | 3,805 |
| Net loans and leases to deposits | 70.2212% | 3,441 |
| Net loans and leases to core deposits | 72.5675% | 3,753 |
| Total domestic deposits to total assets | 82.2700% | 5,105 |
| Equity capital to assets | 13.4658% | 1,222 |
| Core capital (leverage) ratio | 12.2903% | 1,425 |
| Tier 1 risk-based capital ratio | 17.9082% | 2,405 |
| Total risk-based capital ratio | 19.1712% | 2,362 |
| Memoranda: | ||
| Average total assets | $276,993,500 | 2,334 |
| Average earning assets | $261,474,500 | 2,279 |
| Average equity | $37,532,000 | 1,887 |
| Average total loans | $165,529,500 | 2,371 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8183% | 2,124 |
| Cost of funding earning assets | 0.3930% | 5,966 |
| Net interest margin | 4.4253% | 1,105 |
| Noninterest income to average assets | 0.9995% | 1,534 |
| Noninterest expense to average assets | 3.4003% | 2,049 |
| Loan and lease loss provision to assets | 0.4195% | 1,521 |
| Net operating income to assets | 1.3299% | 1,233 |
| Return on assets (ROA) | 1.3340% | 1,354 |
| Pretax return on assets | 1.3357% | 2,272 |
| Return on Equity (ROE) | 10.1933% | 2,089 |
| Retained earnings to average equity (ytd only) | -0.6621% | 5,966 |
| Net charge-offs to loans | 0.4714% | 2,350 |
| Credit loss provision to net charge-offs | 141.1150% | 1,944 |
| Earnings coverage of net charge-offs (x) | 5.8908% | 2,926 |
| Efficiency ratio | 66.0076% | 4,506 |
| Assets per employee ($millions) | 4.1160% | 3,709 |
| Cash dividends to net income (ytd only)* | 106.4959% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5773% | 1,040 |
| Loan loss allowance to noncurrent loans | 34.0257% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 4.6858% | 868 |
| Noncurrent loans to loans | 7.5744% | 401 |
| Net loans and leases to total assets | 58.6289% | 3,863 |
| Net loans and leases to deposits | 71.6724% | 3,464 |
| Net loans and leases to core deposits | 73.9899% | 3,781 |
| Total domestic deposits to total assets | 81.8012% | 5,164 |
| Equity capital to assets | 13.6320% | 1,178 |
| Core capital (leverage) ratio | 12.1065% | 1,510 |
| Tier 1 risk-based capital ratio | 17.8665% | 2,308 |
| Total risk-based capital ratio | 19.1290% | 2,273 |
| Memoranda: | ||
| Average total assets | $289,654,200 | 2,205 |
| Average earning assets | $271,755,800 | 2,147 |
| Average equity | $37,907,400 | 1,831 |
| Average total loans | $182,641,000 | 2,170 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 2,524 |
| Cost of funding earning assets | 0.4352% | 5,899 |
| Net interest margin | 4.3298% | 1,398 |
| Noninterest income to average assets | 1.0234% | 1,445 |
| Noninterest expense to average assets | 3.3819% | 2,054 |
| Loan and lease loss provision to assets | 0.3994% | 1,603 |
| Net operating income to assets | 1.3000% | 1,443 |
| Return on assets (ROA) | 1.3000% | 1,587 |
| Pretax return on assets | 1.3023% | 2,604 |
| Return on Equity (ROE) | 10.0335% | 2,336 |
| Retained earnings to average equity (ytd only) | -2.3357% | 6,431 |
| Net charge-offs to loans | 0.5986% | 1,836 |
| Credit loss provision to net charge-offs | 104.6651% | 2,815 |
| Earnings coverage of net charge-offs (x) | 4.4593% | 3,300 |
| Efficiency ratio | 66.5260% | 4,349 |
| Assets per employee ($millions) | 4.2459% | 3,373 |
| Cash dividends to net income (ytd only)* | 123.2795% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2567% | 1,603 |
| Loan loss allowance to noncurrent loans | 25.5684% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 5.7069% | 731 |
| Noncurrent loans to loans | 8.8263% | 321 |
| Net loans and leases to total assets | 60.3948% | 3,698 |
| Net loans and leases to deposits | 74.1599% | 3,256 |
| Net loans and leases to core deposits | 76.3378% | 3,684 |
| Total domestic deposits to total assets | 81.4385% | 5,215 |
| Equity capital to assets | 13.2238% | 1,483 |
| Core capital (leverage) ratio | 11.8029% | 1,768 |
| Tier 1 risk-based capital ratio | 16.6929% | 2,903 |
| Total risk-based capital ratio | 17.9522% | 2,859 |
| Memoranda: | ||
| Average total assets | $292,096,250 | 2,216 |
| Average earning assets | $273,905,750 | 2,170 |
| Average equity | $37,845,750 | 1,856 |
| Average total loans | $186,192,500 | 2,144 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8576% | 2,277 |
| Cost of funding earning assets | 0.5019% | 5,603 |
| Net interest margin | 4.3557% | 1,325 |
| Noninterest income to average assets | 1.0374% | 1,358 |
| Noninterest expense to average assets | 3.4138% | 1,998 |
| Loan and lease loss provision to assets | 0.2899% | 2,263 |
| Net operating income to assets | 1.4092% | 1,172 |
| Return on assets (ROA) | 1.4092% | 1,308 |
| Pretax return on assets | 1.4126% | 2,157 |
| Return on Equity (ROE) | 10.9502% | 2,008 |
| Retained earnings to average equity (ytd only) | 0.0795% | 6,014 |
| Net charge-offs to loans | 0.5424% | 1,968 |
| Credit loss provision to net charge-offs | 83.0078% | 3,242 |
| Earnings coverage of net charge-offs (x) | 4.8750% | 2,965 |
| Efficiency ratio | 66.7244% | 4,378 |
| Assets per employee ($millions) | 4.1211% | 3,628 |
| Cash dividends to net income (ytd only)* | 99.2740% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1315% | 1,924 |
| Loan loss allowance to noncurrent loans | 39.4937% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 3.8627% | 1,343 |
| Noncurrent loans to loans | 5.3969% | 867 |
| Net loans and leases to total assets | 62.0752% | 3,416 |
| Net loans and leases to deposits | 75.6483% | 3,036 |
| Net loans and leases to core deposits | 77.9372% | 3,526 |
| Total domestic deposits to total assets | 82.0576% | 5,104 |
| Equity capital to assets | 13.2041% | 1,429 |
| Core capital (leverage) ratio | 11.7233% | 1,773 |
| Tier 1 risk-based capital ratio | 16.6098% | 2,856 |
| Total risk-based capital ratio | 17.8676% | 2,808 |
| Memoranda: | ||
| Average total assets | $293,221,000 | 2,201 |
| Average earning assets | $274,580,000 | 2,158 |
| Average equity | $37,734,330 | 1,852 |
| Average total loans | $188,790,330 | 2,126 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9922% | 1,917 |
| Cost of funding earning assets | 0.5531% | 5,478 |
| Net interest margin | 4.4391% | 1,134 |
| Noninterest income to average assets | 1.0920% | 1,202 |
| Noninterest expense to average assets | 3.4805% | 1,801 |
| Loan and lease loss provision to assets | 0.2639% | 2,350 |
| Net operating income to assets | 1.4791% | 1,061 |
| Return on assets (ROA) | 1.4791% | 1,185 |
| Pretax return on assets | 1.4858% | 1,905 |
| Return on Equity (ROE) | 11.6413% | 1,797 |
| Retained earnings to average equity (ytd only) | 4.1751% | 4,087 |
| Net charge-offs to loans | -0.0563% | 6,574 |
| Credit loss provision to net charge-offs | -722.2222% | 5,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5459% | 4,455 |
| Assets per employee ($millions) | 4.1571% | 3,675 |
| Cash dividends to net income (ytd only)* | 64.1354% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2527% | 1,773 |
| Loan loss allowance to noncurrent loans | 40.1507% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 4.7088% | 1,117 |
| Noncurrent loans to loans | 5.6105% | 940 |
| Net loans and leases to total assets | 61.8788% | 3,280 |
| Net loans and leases to deposits | 77.1016% | 2,661 |
| Net loans and leases to core deposits | 79.4284% | 3,121 |
| Total domestic deposits to total assets | 80.2562% | 5,788 |
| Equity capital to assets | 12.8744% | 1,495 |
| Core capital (leverage) ratio | 11.9598% | 1,613 |
| Tier 1 risk-based capital ratio | 16.4040% | 2,958 |
| Total risk-based capital ratio | 17.6630% | 2,915 |
| Memoranda: | ||
| Average total assets | $295,592,000 | 2,198 |
| Average earning assets | $275,552,500 | 2,162 |
| Average equity | $37,556,000 | 1,857 |
| Average total loans | $191,698,500 | 2,114 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4772% | 1,216 |
| Cost of funding earning assets | 0.7845% | 4,976 |
| Net interest margin | 4.6927% | 768 |
| Noninterest income to average assets | 0.5223% | 3,701 |
| Noninterest expense to average assets | 3.5366% | 1,896 |
| Loan and lease loss provision to assets | 0.4106% | 2,538 |
| Net operating income to assets | 0.9355% | 2,465 |
| Return on assets (ROA) | 0.9361% | 2,584 |
| Pretax return on assets | 0.9378% | 3,478 |
| Return on Equity (ROE) | 7.7992% | 3,011 |
| Retained earnings to average equity (ytd only) | 1.8691% | 4,880 |
| Net charge-offs to loans | 0.9040% | 1,918 |
| Credit loss provision to net charge-offs | 65.2742% | 5,018 |
| Earnings coverage of net charge-offs (x) | 2.1426% | 4,180 |
| Efficiency ratio | 72.4075% | 3,500 |
| Assets per employee ($millions) | 4.2290% | 3,413 |
| Cash dividends to net income (ytd only)* | 76.0351% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0285% | 2,190 |
| Loan loss allowance to noncurrent loans | 34.3559% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 5.8233% | 865 |
| Noncurrent loans to loans | 5.9043% | 853 |
| Net loans and leases to total assets | 65.0485% | 2,978 |
| Net loans and leases to deposits | 82.7425% | 2,100 |
| Net loans and leases to core deposits | 85.6233% | 2,680 |
| Total domestic deposits to total assets | 78.6156% | 6,070 |
| Equity capital to assets | 12.5368% | 1,777 |
| Core capital (leverage) ratio | 11.4730% | 1,913 |
| Tier 1 risk-based capital ratio | 15.3861% | 3,396 |
| Total risk-based capital ratio | 16.6426% | 3,349 |
| Memoranda: | ||
| Average total assets | $304,442,000 | 2,106 |
| Average earning assets | $282,993,800 | 2,072 |
| Average equity | $36,542,200 | 1,850 |
| Average total loans | $211,830,400 | 1,940 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5169% | 1,206 |
| Cost of funding earning assets | 0.8252% | 4,975 |
| Net interest margin | 4.6917% | 776 |
| Noninterest income to average assets | 0.7303% | 2,411 |
| Noninterest expense to average assets | 3.5731% | 1,768 |
| Loan and lease loss provision to assets | 0.4349% | 2,302 |
| Net operating income to assets | 1.0821% | 2,033 |
| Return on assets (ROA) | 1.0830% | 2,174 |
| Pretax return on assets | 1.0852% | 3,070 |
| Return on Equity (ROE) | 9.1208% | 2,547 |
| Retained earnings to average equity (ytd only) | 4.8534% | 3,273 |
| Net charge-offs to loans | 0.4223% | 3,034 |
| Credit loss provision to net charge-offs | 146.4129% | 2,154 |
| Earnings coverage of net charge-offs (x) | 5.1142% | 2,872 |
| Efficiency ratio | 70.1657% | 3,933 |
| Assets per employee ($millions) | 4.0742% | 3,689 |
| Cash dividends to net income (ytd only)* | 46.7870% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4595% | 1,452 |
| Loan loss allowance to noncurrent loans | 39.2124% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 6.4885% | 798 |
| Noncurrent loans to loans | 6.2723% | 865 |
| Net loans and leases to total assets | 65.3628% | 3,040 |
| Net loans and leases to deposits | 82.4754% | 2,264 |
| Net loans and leases to core deposits | 84.9628% | 2,918 |
| Total domestic deposits to total assets | 79.2512% | 5,936 |
| Equity capital to assets | 12.6901% | 1,791 |
| Core capital (leverage) ratio | 11.5583% | 1,983 |
| Tier 1 risk-based capital ratio | 15.3361% | 3,470 |
| Total risk-based capital ratio | 16.5974% | 3,431 |
| Memoranda: | ||
| Average total assets | $306,544,250 | 2,092 |
| Average earning assets | $285,005,500 | 2,064 |
| Average equity | $36,399,500 | 1,851 |
| Average total loans | $215,650,000 | 1,922 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5216% | 1,249 |
| Cost of funding earning assets | 0.8853% | 4,790 |
| Net interest margin | 4.6363% | 846 |
| Noninterest income to average assets | 0.8520% | 1,796 |
| Noninterest expense to average assets | 3.5707% | 1,811 |
| Loan and lease loss provision to assets | 0.4867% | 2,026 |
| Net operating income to assets | 1.1102% | 1,843 |
| Return on assets (ROA) | 1.1109% | 1,929 |
| Pretax return on assets | 1.1141% | 2,793 |
| Return on Equity (ROE) | 9.5697% | 2,286 |
| Retained earnings to average equity (ytd only) | 6.5288% | 2,122 |
| Net charge-offs to loans | 0.5186% | 2,541 |
| Credit loss provision to net charge-offs | 131.3485% | 2,326 |
| Earnings coverage of net charge-offs (x) | 4.3187% | 2,894 |
| Efficiency ratio | 69.0551% | 4,321 |
| Assets per employee ($millions) | 4.1546% | 3,441 |
| Cash dividends to net income (ytd only)* | 31.7757% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3024% | 1,738 |
| Loan loss allowance to noncurrent loans | 38.3595% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 5.9743% | 941 |
| Noncurrent loans to loans | 6.0021% | 994 |
| Net loans and leases to total assets | 67.5923% | 2,693 |
| Net loans and leases to deposits | 85.7390% | 1,823 |
| Net loans and leases to core deposits | 88.2200% | 2,615 |
| Total domestic deposits to total assets | 78.8349% | 6,127 |
| Equity capital to assets | 12.2110% | 1,958 |
| Core capital (leverage) ratio | 11.3695% | 1,994 |
| Tier 1 risk-based capital ratio | 15.4639% | 3,271 |
| Total risk-based capital ratio | 16.7251% | 3,206 |
| Memoranda: | ||
| Average total assets | $308,229,670 | 2,091 |
| Average earning assets | $287,125,330 | 2,059 |
| Average equity | $35,779,670 | 1,875 |
| Average total loans | $220,190,000 | 1,907 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4287% | 1,480 |
| Cost of funding earning assets | 0.9402% | 4,642 |
| Net interest margin | 4.4885% | 1,096 |
| Noninterest income to average assets | 0.9385% | 1,510 |
| Noninterest expense to average assets | 3.5661% | 1,836 |
| Loan and lease loss provision to assets | 0.4828% | 1,826 |
| Net operating income to assets | 1.0685% | 1,952 |
| Return on assets (ROA) | 1.0685% | 2,002 |
| Pretax return on assets | 1.0750% | 2,853 |
| Return on Equity (ROE) | 9.4446% | 2,300 |
| Retained earnings to average equity (ytd only) | 7.2257% | 2,058 |
| Net charge-offs to loans | 0.4579% | 2,322 |
| Credit loss provision to net charge-offs | 145.3488% | 1,949 |
| Earnings coverage of net charge-offs (x) | 4.6899% | 2,415 |
| Efficiency ratio | 69.5980% | 4,356 |
| Assets per employee ($millions) | 4.3111% | 3,221 |
| Cash dividends to net income (ytd only)* | 23.4940% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1817% | 2,003 |
| Loan loss allowance to noncurrent loans | 31.4931% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 6.7947% | 803 |
| Noncurrent loans to loans | 6.9277% | 808 |
| Net loans and leases to total assets | 68.8842% | 2,358 |
| Net loans and leases to deposits | 87.7285% | 1,491 |
| Net loans and leases to core deposits | 90.5456% | 2,292 |
| Total domestic deposits to total assets | 78.5198% | 6,294 |
| Equity capital to assets | 11.4516% | 2,312 |
| Core capital (leverage) ratio | 11.1085% | 2,110 |
| Tier 1 risk-based capital ratio | 14.7000% | 3,610 |
| Total risk-based capital ratio | 15.9599% | 3,561 |
| Memoranda: | ||
| Average total assets | $310,703,000 | 2,088 |
| Average earning assets | $289,719,000 | 2,056 |
| Average equity | $35,152,500 | 1,890 |
| Average total loans | $225,371,500 | 1,893 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9461% | 951 |
| Cost of funding earning assets | 1.3593% | 3,516 |
| Net interest margin | 4.5868% | 1,033 |
| Noninterest income to average assets | 0.4114% | 4,813 |
| Noninterest expense to average assets | 3.4007% | 2,438 |
| Loan and lease loss provision to assets | 1.3596% | 1,114 |
| Net operating income to assets | -0.0912% | 5,978 |
| Return on assets (ROA) | 0.1747% | 5,526 |
| Pretax return on assets | 0.1762% | 5,540 |
| Return on Equity (ROE) | 1.6659% | 5,503 |
| Retained earnings to average equity (ytd only) | 0.9010% | 5,099 |
| Net charge-offs to loans | 1.6608% | 1,307 |
| Credit loss provision to net charge-offs | 105.0223% | 4,272 |
| Earnings coverage of net charge-offs (x) | 0.9789% | 5,128 |
| Efficiency ratio | 72.8521% | 3,632 |
| Assets per employee ($millions) | 4.2028% | 3,377 |
| Cash dividends to net income (ytd only)* | 45.9130% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0038% | 2,294 |
| Loan loss allowance to noncurrent loans | 27.8596% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 7.3459% | 722 |
| Noncurrent loans to loans | 7.1926% | 767 |
| Net loans and leases to total assets | 73.1515% | 1,838 |
| Net loans and leases to deposits | 92.3147% | 1,233 |
| Net loans and leases to core deposits | 95.6180% | 2,057 |
| Total domestic deposits to total assets | 79.2414% | 6,022 |
| Equity capital to assets | 11.1764% | 2,530 |
| Core capital (leverage) ratio | 10.6990% | 2,381 |
| Tier 1 risk-based capital ratio | 13.7729% | 4,003 |
| Total risk-based capital ratio | 15.0311% | 3,983 |
| Memoranda: | ||
| Average total assets | $329,137,400 | 1,978 |
| Average earning assets | $305,443,000 | 1,949 |
| Average equity | $34,516,400 | 1,918 |
| Average total loans | $256,559,400 | 1,726 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0379% | 865 |
| Cost of funding earning assets | 1.4521% | 3,261 |
| Net interest margin | 4.5857% | 1,076 |
| Noninterest income to average assets | 0.3860% | 5,070 |
| Noninterest expense to average assets | 3.4109% | 2,262 |
| Loan and lease loss provision to assets | 1.5084% | 878 |
| Net operating income to assets | -0.2710% | 6,399 |
| Return on assets (ROA) | 0.0444% | 6,027 |
| Pretax return on assets | 0.0464% | 6,009 |
| Return on Equity (ROE) | 0.4295% | 6,025 |
| Retained earnings to average equity (ytd only) | -0.5920% | 5,940 |
| Net charge-offs to loans | 1.2660% | 1,609 |
| Credit loss provision to net charge-offs | 151.3633% | 2,567 |
| Earnings coverage of net charge-offs (x) | 1.2306% | 4,829 |
| Efficiency ratio | 73.5545% | 3,405 |
| Assets per employee ($millions) | 4.2251% | 3,397 |
| Cash dividends to net income (ytd only)* | 237.8311% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2949% | 1,638 |
| Loan loss allowance to noncurrent loans | 27.0619% | 6,515 |
| Noncurrent assets plus other real estate owned to assets | 7.7016% | 667 |
| Noncurrent loans to loans | 8.4803% | 587 |
| Net loans and leases to total assets | 76.8366% | 1,251 |
| Net loans and leases to deposits | 95.8078% | 1,003 |
| Net loans and leases to core deposits | 99.2900% | 1,917 |
| Total domestic deposits to total assets | 80.1987% | 5,636 |
| Equity capital to assets | 11.0546% | 2,911 |
| Core capital (leverage) ratio | 10.4673% | 2,715 |
| Tier 1 risk-based capital ratio | 12.9513% | 4,612 |
| Total risk-based capital ratio | 14.2133% | 4,587 |
| Memoranda: | ||
| Average total assets | $333,670,750 | 1,978 |
| Average earning assets | $309,329,250 | 1,953 |
| Average equity | $34,455,750 | 1,947 |
| Average total loans | $262,660,250 | 1,710 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1229% | 723 |
| Cost of funding earning assets | 1.5662% | 2,862 |
| Net interest margin | 4.5567% | 1,089 |
| Noninterest income to average assets | 0.0872% | 7,146 |
| Noninterest expense to average assets | 3.3502% | 2,408 |
| Loan and lease loss provision to assets | 1.6683% | 765 |
| Net operating income to assets | -0.7286% | 6,825 |
| Return on assets (ROA) | -0.3124% | 6,531 |
| Pretax return on assets | -0.3095% | 6,438 |
| Return on Equity (ROE) | -3.0936% | 6,526 |
| Retained earnings to average equity (ytd only) | -4.6346% | 6,509 |
| Net charge-offs to loans | 1.2772% | 1,492 |
| Credit loss provision to net charge-offs | 165.8851% | 2,376 |
| Earnings coverage of net charge-offs (x) | 0.9373% | 4,841 |
| Efficiency ratio | 78.0417% | 2,723 |
| Assets per employee ($millions) | 4.3248% | 3,169 |
| Cash dividends to net income (ytd only)* | -49.8113% | 7,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1676% | 1,831 |
| Loan loss allowance to noncurrent loans | 28.0159% | 6,486 |
| Noncurrent assets plus other real estate owned to assets | 8.2919% | 577 |
| Noncurrent loans to loans | 7.7372% | 681 |
| Net loans and leases to total assets | 76.3743% | 1,421 |
| Net loans and leases to deposits | 100.7663% | 661 |
| Net loans and leases to core deposits | 104.3823% | 1,604 |
| Total domestic deposits to total assets | 75.7935% | 6,730 |
| Equity capital to assets | 10.2904% | 3,663 |
| Core capital (leverage) ratio | 9.6952% | 3,546 |
| Tier 1 risk-based capital ratio | 12.0126% | 5,297 |
| Total risk-based capital ratio | 13.2724% | 5,256 |
| Memoranda: | ||
| Average total assets | $339,266,670 | 1,965 |
| Average earning assets | $313,118,330 | 1,949 |
| Average equity | $34,264,330 | 1,954 |
| Average total loans | $267,146,670 | 1,701 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3180% | 512 |
| Cost of funding earning assets | 1.5245% | 3,405 |
| Net interest margin | 4.7935% | 655 |
| Noninterest income to average assets | -0.5015% | 7,861 |
| Noninterest expense to average assets | 3.1879% | 2,919 |
| Loan and lease loss provision to assets | 1.0332% | 1,197 |
| Net operating income to assets | -0.2594% | 6,612 |
| Return on assets (ROA) | 0.0430% | 6,295 |
| Pretax return on assets | 0.0488% | 6,256 |
| Return on Equity (ROE) | 0.4292% | 6,296 |
| Retained earnings to average equity (ytd only) | -2.6330% | 6,315 |
| Net charge-offs to loans | 1.2040% | 1,413 |
| Credit loss provision to net charge-offs | 108.5366% | 3,169 |
| Earnings coverage of net charge-offs (x) | 0.7756% | 4,344 |
| Efficiency ratio | 81.1946% | 2,387 |
| Assets per employee ($millions) | 4.5325% | 2,894 |
| Cash dividends to net income (ytd only)* | 713.5135% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 3,170 |
| Loan loss allowance to noncurrent loans | 24.8800% | 6,753 |
| Noncurrent assets plus other real estate owned to assets | 6.5916% | 858 |
| Noncurrent loans to loans | 6.7169% | 919 |
| Net loans and leases to total assets | 78.0287% | 1,150 |
| Net loans and leases to deposits | 106.0454% | 421 |
| Net loans and leases to core deposits | 110.3128% | 1,252 |
| Total domestic deposits to total assets | 73.5805% | 7,098 |
| Equity capital to assets | 10.0722% | 3,777 |
| Core capital (leverage) ratio | 9.6470% | 3,583 |
| Tier 1 risk-based capital ratio | 11.7722% | 5,430 |
| Total risk-based capital ratio | 13.0265% | 5,360 |
| Memoranda: | ||
| Average total assets | $344,558,000 | 1,990 |
| Average earning assets | $318,266,500 | 1,959 |
| Average equity | $34,485,000 | 1,959 |
| Average total loans | $272,424,000 | 1,721 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1451% | 1,390 |
| Cost of funding earning assets | 1.8064% | 3,955 |
| Net interest margin | 4.3386% | 1,605 |
| Noninterest income to average assets | 0.6691% | 3,163 |
| Noninterest expense to average assets | 3.2767% | 3,094 |
| Loan and lease loss provision to assets | 0.7741% | 2,792 |
| Net operating income to assets | 0.6485% | 3,142 |
| Return on assets (ROA) | 0.9281% | 2,146 |
| Pretax return on assets | 0.9295% | 2,828 |
| Return on Equity (ROE) | 9.8117% | 1,743 |
| Retained earnings to average equity (ytd only) | 3.0557% | 3,021 |
| Net charge-offs to loans | 1.2590% | 1,964 |
| Credit loss provision to net charge-offs | 75.4615% | 6,382 |
| Earnings coverage of net charge-offs (x) | 1.3882% | 4,748 |
| Efficiency ratio | 69.7056% | 4,693 |
| Assets per employee ($millions) | 4.5945% | 2,775 |
| Cash dividends to net income (ytd only)* | 68.8569% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6133% | 3,226 |
| Loan loss allowance to noncurrent loans | 25.9578% | 6,735 |
| Noncurrent assets plus other real estate owned to assets | 7.5058% | 644 |
| Noncurrent loans to loans | 6.2150% | 995 |
| Net loans and leases to total assets | 77.5114% | 1,480 |
| Net loans and leases to deposits | 106.7163% | 514 |
| Net loans and leases to core deposits | 124.4230% | 1,611 |
| Total domestic deposits to total assets | 72.6332% | 7,191 |
| Equity capital to assets | 9.9464% | 3,838 |
| Core capital (leverage) ratio | 9.4808% | 3,745 |
| Tier 1 risk-based capital ratio | 11.2424% | 5,676 |
| Total risk-based capital ratio | 12.4954% | 5,624 |
| Memoranda: | ||
| Average total assets | $359,114,600 | 1,892 |
| Average earning assets | $333,699,000 | 1,861 |
| Average equity | $33,969,600 | 1,976 |
| Average total loans | $292,608,200 | 1,635 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0829% | 1,713 |
| Cost of funding earning assets | 1.8573% | 4,113 |
| Net interest margin | 4.2256% | 1,956 |
| Noninterest income to average assets | 0.8027% | 2,416 |
| Noninterest expense to average assets | 3.2385% | 3,161 |
| Loan and lease loss provision to assets | 0.6637% | 2,753 |
| Net operating income to assets | 0.8407% | 2,654 |
| Return on assets (ROA) | 0.9970% | 2,129 |
| Pretax return on assets | 0.9989% | 2,907 |
| Return on Equity (ROE) | 10.6729% | 1,714 |
| Retained earnings to average equity (ytd only) | 2.4038% | 3,975 |
| Net charge-offs to loans | 1.2072% | 1,686 |
| Credit loss provision to net charge-offs | 66.9394% | 6,048 |
| Earnings coverage of net charge-offs (x) | 1.5192% | 4,644 |
| Efficiency ratio | 68.2546% | 4,918 |
| Assets per employee ($millions) | 4.6905% | 2,574 |
| Cash dividends to net income (ytd only)* | 77.4778% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5729% | 3,106 |
| Loan loss allowance to noncurrent loans | 22.9182% | 6,915 |
| Noncurrent assets plus other real estate owned to assets | 7.9757% | 541 |
| Noncurrent loans to loans | 6.8631% | 794 |
| Net loans and leases to total assets | 78.1688% | 1,536 |
| Net loans and leases to deposits | 110.8350% | 433 |
| Net loans and leases to core deposits | 126.6813% | 1,687 |
| Total domestic deposits to total assets | 70.5272% | 7,376 |
| Equity capital to assets | 9.7391% | 4,435 |
| Core capital (leverage) ratio | 9.1137% | 4,468 |
| Tier 1 risk-based capital ratio | 10.6654% | 6,279 |
| Total risk-based capital ratio | 11.9178% | 6,258 |
| Memoranda: | ||
| Average total assets | $361,597,750 | 1,897 |
| Average earning assets | $337,330,750 | 1,858 |
| Average equity | $33,779,250 | 2,005 |
| Average total loans | $296,986,750 | 1,636 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0349% | 2,034 |
| Cost of funding earning assets | 1.9514% | 3,996 |
| Net interest margin | 4.0835% | 2,379 |
| Noninterest income to average assets | 0.8280% | 2,281 |
| Noninterest expense to average assets | 3.2898% | 2,998 |
| Loan and lease loss provision to assets | 0.5505% | 2,819 |
| Net operating income to assets | 0.8164% | 2,791 |
| Return on assets (ROA) | 0.9590% | 2,346 |
| Pretax return on assets | 0.9617% | 3,140 |
| Return on Equity (ROE) | 10.4105% | 1,881 |
| Retained earnings to average equity (ytd only) | 1.4403% | 4,526 |
| Net charge-offs to loans | 0.6492% | 2,411 |
| Credit loss provision to net charge-offs | 102.1450% | 4,481 |
| Earnings coverage of net charge-offs (x) | 2.5414% | 3,798 |
| Efficiency ratio | 70.6049% | 4,655 |
| Assets per employee ($millions) | 4.3826% | 2,960 |
| Cash dividends to net income (ytd only)* | 86.1653% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8709% | 1,865 |
| Loan loss allowance to noncurrent loans | 37.3156% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 6.5453% | 691 |
| Noncurrent loans to loans | 5.0136% | 1,228 |
| Net loans and leases to total assets | 79.2413% | 1,476 |
| Net loans and leases to deposits | 117.4983% | 290 |
| Net loans and leases to core deposits | 131.6143% | 1,451 |
| Total domestic deposits to total assets | 67.4404% | 7,654 |
| Equity capital to assets | 9.4341% | 4,697 |
| Core capital (leverage) ratio | 9.1023% | 4,460 |
| Tier 1 risk-based capital ratio | 10.4277% | 6,447 |
| Total risk-based capital ratio | 11.6835% | 6,387 |
| Memoranda: | ||
| Average total assets | $363,303,330 | 1,907 |
| Average earning assets | $340,882,000 | 1,863 |
| Average equity | $33,466,330 | 2,031 |
| Average total loans | $301,612,330 | 1,642 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9998% | 2,368 |
| Cost of funding earning assets | 2.0824% | 3,727 |
| Net interest margin | 3.9174% | 2,982 |
| Noninterest income to average assets | 0.7511% | 2,591 |
| Noninterest expense to average assets | 2.9685% | 3,896 |
| Loan and lease loss provision to assets | 0.5987% | 2,102 |
| Net operating income to assets | 0.8828% | 2,777 |
| Return on assets (ROA) | 1.1343% | 1,971 |
| Pretax return on assets | 1.1397% | 2,830 |
| Return on Equity (ROE) | 12.4587% | 1,527 |
| Retained earnings to average equity (ytd only) | 3.3359% | 4,021 |
| Net charge-offs to loans | 0.5267% | 2,138 |
| Credit loss provision to net charge-offs | 135.1351% | 2,998 |
| Earnings coverage of net charge-offs (x) | 3.3563% | 3,204 |
| Efficiency ratio | 66.6259% | 5,212 |
| Assets per employee ($millions) | 4.2606% | 3,146 |
| Cash dividends to net income (ytd only)* | 73.2246% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8032% | 1,842 |
| Loan loss allowance to noncurrent loans | 23.7312% | 6,975 |
| Noncurrent assets plus other real estate owned to assets | 6.4540% | 579 |
| Noncurrent loans to loans | 7.5984% | 493 |
| Net loans and leases to total assets | 82.4800% | 933 |
| Net loans and leases to deposits | 118.3862% | 328 |
| Net loans and leases to core deposits | 131.3430% | 1,579 |
| Total domestic deposits to total assets | 69.6703% | 7,457 |
| Equity capital to assets | 9.2791% | 4,969 |
| Core capital (leverage) ratio | 8.8178% | 4,951 |
| Tier 1 risk-based capital ratio | 10.0762% | 6,831 |
| Total risk-based capital ratio | 11.3318% | 6,744 |
| Memoranda: | ||
| Average total assets | $367,460,500 | 1,895 |
| Average earning assets | $347,478,000 | 1,841 |
| Average equity | $33,454,500 | 2,026 |
| Average total loans | $309,088,000 | 1,614 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1103% | 898 |
| Cost of funding earning assets | 2.7662% | 2,850 |
| Net interest margin | 4.3441% | 1,839 |
| Noninterest income to average assets | 0.7746% | 2,646 |
| Noninterest expense to average assets | 3.0718% | 3,815 |
| Loan and lease loss provision to assets | 0.8190% | 1,813 |
| Net operating income to assets | 0.9861% | 2,605 |
| Return on assets (ROA) | 0.9834% | 2,501 |
| Pretax return on assets | 0.9847% | 3,432 |
| Return on Equity (ROE) | 11.4440% | 1,776 |
| Retained earnings to average equity (ytd only) | 4.9251% | 2,073 |
| Net charge-offs to loans | 0.5293% | 2,243 |
| Credit loss provision to net charge-offs | 181.9486% | 2,749 |
| Earnings coverage of net charge-offs (x) | 4.0132% | 4,147 |
| Efficiency ratio | 62.9695% | 5,781 |
| Assets per employee ($millions) | 4.1885% | 3,139 |
| Cash dividends to net income (ytd only)* | 56.9631% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7013% | 1,906 |
| Loan loss allowance to noncurrent loans | 53.1331% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 3.0764% | 1,492 |
| Noncurrent loans to loans | 3.2020% | 1,646 |
| Net loans and leases to total assets | 82.7982% | 1,079 |
| Net loans and leases to deposits | 115.0833% | 566 |
| Net loans and leases to core deposits | 126.3344% | 2,136 |
| Total domestic deposits to total assets | 71.9463% | 7,008 |
| Equity capital to assets | 8.9344% | 5,457 |
| Core capital (leverage) ratio | 8.6604% | 5,265 |
| Tier 1 risk-based capital ratio | 9.7387% | 7,032 |
| Total risk-based capital ratio | 10.9931% | 6,935 |
| Memoranda: | ||
| Average total assets | $371,669,400 | 1,809 |
| Average earning assets | $351,095,000 | 1,767 |
| Average equity | $31,938,200 | 2,116 |
| Average total loans | $316,084,200 | 1,531 |