Home > Points West Community Bank > Performance and Condition Ratios
Points West Community Bank, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4505% | 3,115 |
| Cost of funding earning assets | 0.8040% | 2,666 |
| Net interest margin | 3.6465% | 2,976 |
| Noninterest income to average assets | 0.3312% | 3,723 |
| Noninterest expense to average assets | 2.2742% | 4,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4433% | 1,212 |
| Return on assets (ROA) | 1.4450% | 1,269 |
| Pretax return on assets | 1.4681% | 1,906 |
| Return on Equity (ROE) | 13.8186% | 938 |
| Retained earnings to average equity (ytd only) | 0.4268% | 4,570 |
| Net charge-offs to loans | 0.0049% | 3,497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 531.6364% | 179 |
| Efficiency ratio | 60.7990% | 3,566 |
| Assets per employee ($millions) | 4.9885% | 2,615 |
| Cash dividends to net income (ytd only)* | 96.9113% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0114% | 451 |
| Loan loss allowance to noncurrent loans | 20,327.2727% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 4,655 |
| Noncurrent loans to loans | 0.0099% | 4,552 |
| Net loans and leases to total assets | 53.9177% | 4,080 |
| Net loans and leases to deposits | 63.1990% | 4,125 |
| Net loans and leases to core deposits | 69.0509% | 4,013 |
| Total domestic deposits to total assets | 85.3141% | 2,379 |
| Equity capital to assets | 10.6551% | 3,303 |
| Core capital (leverage) ratio | 9.7251% | 3,820 |
| Tier 1 risk-based capital ratio | 17.0354% | 2,040 |
| Total risk-based capital ratio | 18.2938% | 1,981 |
| Memoranda: | ||
| Average total assets | $398,815,600 | 1,745 |
| Average earning assets | $372,880,600 | 1,741 |
| Average equity | $41,704,600 | 1,859 |
| Average total loans | $222,995,200 | 2,010 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4489% | 3,208 |
| Cost of funding earning assets | 0.8100% | 2,659 |
| Net interest margin | 3.6389% | 3,136 |
| Noninterest income to average assets | 0.3334% | 3,747 |
| Noninterest expense to average assets | 2.3030% | 3,940 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4114% | 1,431 |
| Return on assets (ROA) | 1.4114% | 1,494 |
| Pretax return on assets | 1.4343% | 2,179 |
| Return on Equity (ROE) | 13.5627% | 1,091 |
| Retained earnings to average equity (ytd only) | 1.2022% | 4,515 |
| Net charge-offs to loans | 0.0066% | 3,143 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 388.6292% | 257 |
| Efficiency ratio | 61.6227% | 3,383 |
| Assets per employee ($millions) | 5.0235% | 2,529 |
| Cash dividends to net income (ytd only)* | 91.1360% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0136% | 457 |
| Loan loss allowance to noncurrent loans | 8,768.6275% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 4,697 |
| Noncurrent loans to loans | 0.0230% | 4,577 |
| Net loans and leases to total assets | 53.4806% | 4,220 |
| Net loans and leases to deposits | 64.4477% | 4,150 |
| Net loans and leases to core deposits | 70.4633% | 4,036 |
| Total domestic deposits to total assets | 82.9829% | 3,177 |
| Equity capital to assets | 10.6018% | 3,471 |
| Core capital (leverage) ratio | 9.8063% | 3,846 |
| Tier 1 risk-based capital ratio | 16.9635% | 2,096 |
| Total risk-based capital ratio | 18.2215% | 2,043 |
| Memoranda: | ||
| Average total assets | $397,502,500 | 1,761 |
| Average earning assets | $371,828,500 | 1,750 |
| Average equity | $41,367,250 | 1,882 |
| Average total loans | $223,160,000 | 2,018 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4195% | 3,278 |
| Cost of funding earning assets | 0.7880% | 2,701 |
| Net interest margin | 3.6315% | 3,156 |
| Noninterest income to average assets | 0.3286% | 3,743 |
| Noninterest expense to average assets | 2.2806% | 4,054 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4251% | 1,358 |
| Return on assets (ROA) | 1.4251% | 1,411 |
| Pretax return on assets | 1.4484% | 2,039 |
| Return on Equity (ROE) | 13.7824% | 1,026 |
| Retained earnings to average equity (ytd only) | 0.8583% | 4,474 |
| Net charge-offs to loans | -0.0054% | 4,142 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1587% | 3,563 |
| Assets per employee ($millions) | 4.7241% | 2,839 |
| Cash dividends to net income (ytd only)* | 93.7722% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0229% | 454 |
| Loan loss allowance to noncurrent loans | 323.8817% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 2,945 |
| Noncurrent loans to loans | 0.6246% | 2,386 |
| Net loans and leases to total assets | 54.7907% | 4,158 |
| Net loans and leases to deposits | 64.2879% | 4,211 |
| Net loans and leases to core deposits | 69.9094% | 4,113 |
| Total domestic deposits to total assets | 85.2270% | 2,376 |
| Equity capital to assets | 10.7425% | 3,312 |
| Core capital (leverage) ratio | 9.8226% | 3,797 |
| Tier 1 risk-based capital ratio | 17.0623% | 2,068 |
| Total risk-based capital ratio | 18.3210% | 2,014 |
| Memoranda: | ||
| Average total assets | $394,369,000 | 1,784 |
| Average earning assets | $369,272,330 | 1,767 |
| Average equity | $40,776,670 | 1,900 |
| Average total loans | $223,518,000 | 2,026 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3987% | 3,232 |
| Cost of funding earning assets | 0.7547% | 2,770 |
| Net interest margin | 3.6440% | 3,094 |
| Noninterest income to average assets | 0.3266% | 3,666 |
| Noninterest expense to average assets | 2.2313% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4763% | 1,163 |
| Return on assets (ROA) | 1.4763% | 1,189 |
| Pretax return on assets | 1.4997% | 1,770 |
| Return on Equity (ROE) | 14.5644% | 841 |
| Retained earnings to average equity (ytd only) | 1.1644% | 4,280 |
| Net charge-offs to loans | 0.0071% | 2,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 368.5000% | 214 |
| Efficiency ratio | 59.8037% | 3,837 |
| Assets per employee ($millions) | 4.7705% | 2,823 |
| Cash dividends to net income (ytd only)* | 92.0055% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9851% | 515 |
| Loan loss allowance to noncurrent loans | 959.1006% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 3,955 |
| Noncurrent loans to loans | 0.2070% | 3,842 |
| Net loans and leases to total assets | 56.5344% | 4,027 |
| Net loans and leases to deposits | 66.0394% | 4,048 |
| Net loans and leases to core deposits | 71.5397% | 3,979 |
| Total domestic deposits to total assets | 85.6072% | 2,440 |
| Equity capital to assets | 10.3781% | 3,442 |
| Core capital (leverage) ratio | 10.0443% | 3,556 |
| Tier 1 risk-based capital ratio | 17.1194% | 2,075 |
| Total risk-based capital ratio | 18.3780% | 2,016 |
| Memoranda: | ||
| Average total assets | $393,141,000 | 1,793 |
| Average earning assets | $367,289,500 | 1,785 |
| Average equity | $39,850,500 | 1,929 |
| Average total loans | $224,321,000 | 2,030 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2391% | 3,316 |
| Cost of funding earning assets | 0.6244% | 2,557 |
| Net interest margin | 3.6147% | 3,327 |
| Noninterest income to average assets | 0.3375% | 3,859 |
| Noninterest expense to average assets | 2.2705% | 4,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4430% | 1,299 |
| Return on assets (ROA) | 1.4438% | 1,288 |
| Pretax return on assets | 1.4676% | 1,884 |
| Return on Equity (ROE) | 14.8241% | 866 |
| Retained earnings to average equity (ytd only) | 0.2108% | 4,926 |
| Net charge-offs to loans | -0.0233% | 4,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7513% | 3,737 |
| Assets per employee ($millions) | 4.8778% | 2,646 |
| Cash dividends to net income (ytd only)* | 98.5778% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0102% | 462 |
| Loan loss allowance to noncurrent loans | 2,144.9761% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 4,297 |
| Noncurrent loans to loans | 0.0937% | 4,328 |
| Net loans and leases to total assets | 55.3094% | 4,180 |
| Net loans and leases to deposits | 64.3665% | 4,232 |
| Net loans and leases to core deposits | 69.0040% | 4,174 |
| Total domestic deposits to total assets | 85.9289% | 2,269 |
| Equity capital to assets | 9.8972% | 3,763 |
| Core capital (leverage) ratio | 10.0737% | 3,494 |
| Tier 1 risk-based capital ratio | 17.1479% | 2,013 |
| Total risk-based capital ratio | 18.4066% | 1,955 |
| Memoranda: | ||
| Average total assets | $389,609,800 | 1,761 |
| Average earning assets | $366,449,800 | 1,740 |
| Average equity | $37,945,000 | 1,943 |
| Average total loans | $210,397,400 | 2,091 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1975% | 3,335 |
| Cost of funding earning assets | 0.5965% | 2,498 |
| Net interest margin | 3.6010% | 3,358 |
| Noninterest income to average assets | 0.3304% | 3,943 |
| Noninterest expense to average assets | 2.2336% | 4,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4661% | 1,286 |
| Return on assets (ROA) | 1.4671% | 1,288 |
| Pretax return on assets | 1.4918% | 1,925 |
| Return on Equity (ROE) | 15.1263% | 846 |
| Retained earnings to average equity (ytd only) | 0.2726% | 4,990 |
| Net charge-offs to loans | -0.0367% | 4,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9723% | 3,816 |
| Assets per employee ($millions) | 4.9100% | 2,584 |
| Cash dividends to net income (ytd only)* | 98.1975% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0505% | 445 |
| Loan loss allowance to noncurrent loans | 2,427.5676% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 4,459 |
| Noncurrent loans to loans | 0.0845% | 4,501 |
| Net loans and leases to total assets | 54.6143% | 4,314 |
| Net loans and leases to deposits | 64.1416% | 4,323 |
| Net loans and leases to core deposits | 68.4982% | 4,277 |
| Total domestic deposits to total assets | 85.1465% | 2,550 |
| Equity capital to assets | 9.6420% | 3,957 |
| Core capital (leverage) ratio | 9.9740% | 3,667 |
| Tier 1 risk-based capital ratio | 17.3122% | 1,994 |
| Total risk-based capital ratio | 18.5711% | 1,940 |
| Memoranda: | ||
| Average total assets | $388,237,000 | 1,775 |
| Average earning assets | $365,923,750 | 1,744 |
| Average equity | $37,655,250 | 1,960 |
| Average total loans | $207,244,000 | 2,124 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1151% | 3,397 |
| Cost of funding earning assets | 0.5706% | 2,430 |
| Net interest margin | 3.5445% | 3,480 |
| Noninterest income to average assets | 0.3243% | 4,022 |
| Noninterest expense to average assets | 2.2420% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4047% | 1,425 |
| Return on assets (ROA) | 1.4047% | 1,426 |
| Pretax return on assets | 1.4300% | 2,052 |
| Return on Equity (ROE) | 14.4536% | 968 |
| Retained earnings to average equity (ytd only) | 0.3778% | 4,896 |
| Net charge-offs to loans | -0.0069% | 4,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0563% | 3,756 |
| Assets per employee ($millions) | 4.6709% | 2,854 |
| Cash dividends to net income (ytd only)* | 97.3859% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0588% | 468 |
| Loan loss allowance to noncurrent loans | 882.9026% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 4,086 |
| Noncurrent loans to loans | 0.2332% | 3,876 |
| Net loans and leases to total assets | 53.8451% | 4,349 |
| Net loans and leases to deposits | 63.7524% | 4,293 |
| Net loans and leases to core deposits | 68.8510% | 4,211 |
| Total domestic deposits to total assets | 84.4596% | 2,888 |
| Equity capital to assets | 9.8040% | 3,819 |
| Core capital (leverage) ratio | 9.8150% | 3,769 |
| Tier 1 risk-based capital ratio | 17.7744% | 1,865 |
| Total risk-based capital ratio | 19.0338% | 1,825 |
| Memoranda: | ||
| Average total assets | $386,715,330 | 1,783 |
| Average earning assets | $365,242,670 | 1,751 |
| Average equity | $37,582,330 | 1,961 |
| Average total loans | $203,319,670 | 2,156 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 3,244 |
| Cost of funding earning assets | 0.5561% | 2,346 |
| Net interest margin | 3.5415% | 3,380 |
| Noninterest income to average assets | 0.2959% | 4,184 |
| Noninterest expense to average assets | 2.1673% | 4,497 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4535% | 1,186 |
| Return on assets (ROA) | 1.4535% | 1,190 |
| Pretax return on assets | 1.4796% | 1,727 |
| Return on Equity (ROE) | 15.0242% | 801 |
| Retained earnings to average equity (ytd only) | 0.1077% | 4,790 |
| Net charge-offs to loans | -0.0122% | 4,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4286% | 4,141 |
| Assets per employee ($millions) | 4.8619% | 2,660 |
| Cash dividends to net income (ytd only)* | 99.2832% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0971% | 457 |
| Loan loss allowance to noncurrent loans | 973.6842% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 4,264 |
| Noncurrent loans to loans | 0.2154% | 4,008 |
| Net loans and leases to total assets | 51.9917% | 4,437 |
| Net loans and leases to deposits | 60.6485% | 4,429 |
| Net loans and leases to core deposits | 65.9496% | 4,308 |
| Total domestic deposits to total assets | 85.7264% | 2,665 |
| Equity capital to assets | 9.6771% | 3,910 |
| Core capital (leverage) ratio | 9.6821% | 3,868 |
| Tier 1 risk-based capital ratio | 18.4046% | 1,718 |
| Total risk-based capital ratio | 19.6651% | 1,682 |
| Memoranda: | ||
| Average total assets | $383,893,500 | 1,807 |
| Average earning assets | $363,235,500 | 1,776 |
| Average equity | $37,140,000 | 1,991 |
| Average total loans | $197,126,000 | 2,217 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8138% | 4,007 |
| Cost of funding earning assets | 0.4474% | 2,802 |
| Net interest margin | 3.3664% | 3,945 |
| Noninterest income to average assets | 0.3018% | 4,297 |
| Noninterest expense to average assets | 2.1723% | 4,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2787% | 1,277 |
| Return on assets (ROA) | 1.2798% | 1,297 |
| Pretax return on assets | 1.3016% | 2,342 |
| Return on Equity (ROE) | 12.6507% | 1,036 |
| Retained earnings to average equity (ytd only) | 0.4876% | 4,840 |
| Net charge-offs to loans | 0.0152% | 3,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 166.6429% | 447 |
| Efficiency ratio | 62.5522% | 3,853 |
| Assets per employee ($millions) | 4.9880% | 2,493 |
| Cash dividends to net income (ytd only)* | 96.1455% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0955% | 449 |
| Loan loss allowance to noncurrent loans | 2,375.7764% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 4,640 |
| Noncurrent loans to loans | 0.0882% | 4,606 |
| Net loans and leases to total assets | 48.4159% | 4,740 |
| Net loans and leases to deposits | 56.2020% | 4,791 |
| Net loans and leases to core deposits | 61.0958% | 4,704 |
| Total domestic deposits to total assets | 86.1463% | 2,373 |
| Equity capital to assets | 9.6718% | 4,070 |
| Core capital (leverage) ratio | 9.4006% | 4,156 |
| Tier 1 risk-based capital ratio | 18.1483% | 1,765 |
| Total risk-based capital ratio | 19.4077% | 1,714 |
| Memoranda: | ||
| Average total assets | $358,797,000 | 1,874 |
| Average earning assets | $337,958,800 | 1,850 |
| Average equity | $36,298,400 | 2,008 |
| Average total loans | $184,121,600 | 2,284 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8162% | 3,951 |
| Cost of funding earning assets | 0.4430% | 2,777 |
| Net interest margin | 3.3731% | 3,935 |
| Noninterest income to average assets | 0.3185% | 4,257 |
| Noninterest expense to average assets | 2.1612% | 4,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3059% | 1,309 |
| Return on assets (ROA) | 1.3074% | 1,343 |
| Pretax return on assets | 1.3362% | 2,340 |
| Return on Equity (ROE) | 12.7777% | 1,105 |
| Retained earnings to average equity (ytd only) | 0.6511% | 5,077 |
| Net charge-offs to loans | 0.0123% | 3,299 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 209.7287% | 409 |
| Efficiency ratio | 61.8201% | 3,916 |
| Assets per employee ($millions) | 4.7645% | 2,739 |
| Cash dividends to net income (ytd only)* | 94.9040% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1381% | 448 |
| Loan loss allowance to noncurrent loans | 4,735.8025% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 4,807 |
| Noncurrent loans to loans | 0.0451% | 4,912 |
| Net loans and leases to total assets | 49.7990% | 4,711 |
| Net loans and leases to deposits | 58.5777% | 4,714 |
| Net loans and leases to core deposits | 63.9263% | 4,609 |
| Total domestic deposits to total assets | 85.0136% | 2,706 |
| Equity capital to assets | 10.5116% | 3,362 |
| Core capital (leverage) ratio | 9.7843% | 3,841 |
| Tier 1 risk-based capital ratio | 18.6304% | 1,698 |
| Total risk-based capital ratio | 19.8905% | 1,644 |
| Memoranda: | ||
| Average total assets | $356,217,750 | 1,894 |
| Average earning assets | $335,545,750 | 1,871 |
| Average equity | $36,448,000 | 2,012 |
| Average total loans | $184,518,250 | 2,293 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 3,911 |
| Cost of funding earning assets | 0.4352% | 2,752 |
| Net interest margin | 3.3596% | 3,911 |
| Noninterest income to average assets | 0.3105% | 4,316 |
| Noninterest expense to average assets | 2.1654% | 4,637 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2853% | 1,339 |
| Return on assets (ROA) | 1.2853% | 1,364 |
| Pretax return on assets | 1.3071% | 2,356 |
| Return on Equity (ROE) | 12.6753% | 1,119 |
| Retained earnings to average equity (ytd only) | 0.7284% | 4,914 |
| Net charge-offs to loans | 0.0193% | 2,860 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 129.7778% | 547 |
| Efficiency ratio | 62.3590% | 3,930 |
| Assets per employee ($millions) | 4.7986% | 2,654 |
| Cash dividends to net income (ytd only)* | 94.2534% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0648% | 538 |
| Loan loss allowance to noncurrent loans | 1,674.6725% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 4,616 |
| Noncurrent loans to loans | 0.1233% | 4,626 |
| Net loans and leases to total assets | 51.2238% | 4,630 |
| Net loans and leases to deposits | 61.3117% | 4,542 |
| Net loans and leases to core deposits | 67.2188% | 4,403 |
| Total domestic deposits to total assets | 83.5465% | 3,385 |
| Equity capital to assets | 10.4704% | 3,383 |
| Core capital (leverage) ratio | 9.6851% | 3,908 |
| Tier 1 risk-based capital ratio | 17.8234% | 1,913 |
| Total risk-based capital ratio | 19.0828% | 1,862 |
| Memoranda: | ||
| Average total assets | $357,432,670 | 1,896 |
| Average earning assets | $336,407,000 | 1,874 |
| Average equity | $36,243,670 | 2,016 |
| Average total loans | $186,219,670 | 2,296 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7500% | 3,939 |
| Cost of funding earning assets | 0.4258% | 2,760 |
| Net interest margin | 3.3242% | 3,933 |
| Noninterest income to average assets | 0.2889% | 4,486 |
| Noninterest expense to average assets | 2.0948% | 4,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2995% | 1,245 |
| Return on assets (ROA) | 1.2995% | 1,279 |
| Pretax return on assets | 1.3207% | 2,164 |
| Return on Equity (ROE) | 13.0257% | 994 |
| Retained earnings to average equity (ytd only) | 4.8748% | 2,967 |
| Net charge-offs to loans | -0.0043% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3325% | 4,257 |
| Assets per employee ($millions) | 4.8076% | 2,687 |
| Cash dividends to net income (ytd only)* | 62.5751% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1028% | 553 |
| Loan loss allowance to noncurrent loans | 1,235.5769% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.1709% | 4,561 |
| Noncurrent loans to loans | 0.1702% | 4,508 |
| Net loans and leases to total assets | 50.4464% | 4,637 |
| Net loans and leases to deposits | 59.0511% | 4,628 |
| Net loans and leases to core deposits | 64.9331% | 4,493 |
| Total domestic deposits to total assets | 85.4283% | 2,911 |
| Equity capital to assets | 10.1891% | 3,517 |
| Core capital (leverage) ratio | 9.7426% | 3,825 |
| Tier 1 risk-based capital ratio | 17.7645% | 1,952 |
| Total risk-based capital ratio | 19.0236% | 1,899 |
| Memoranda: | ||
| Average total assets | $358,600,500 | 1,897 |
| Average earning assets | $337,279,500 | 1,878 |
| Average equity | $35,775,500 | 2,049 |
| Average total loans | $186,465,000 | 2,302 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7456% | 4,071 |
| Cost of funding earning assets | 0.4366% | 2,637 |
| Net interest margin | 3.3090% | 4,111 |
| Noninterest income to average assets | 0.3186% | 4,459 |
| Noninterest expense to average assets | 2.1905% | 4,793 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2202% | 1,437 |
| Return on assets (ROA) | 1.2215% | 1,524 |
| Pretax return on assets | 1.2431% | 2,498 |
| Return on Equity (ROE) | 11.6164% | 1,361 |
| Retained earnings to average equity (ytd only) | 0.1887% | 5,242 |
| Net charge-offs to loans | 0.0203% | 3,645 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 113.9231% | 535 |
| Efficiency ratio | 63.8222% | 3,966 |
| Assets per employee ($millions) | 4.7558% | 2,716 |
| Cash dividends to net income (ytd only)* | 98.3757% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0321% | 619 |
| Loan loss allowance to noncurrent loans | 1,160.5422% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 4,620 |
| Noncurrent loans to loans | 0.1751% | 4,534 |
| Net loans and leases to total assets | 51.3926% | 4,657 |
| Net loans and leases to deposits | 60.9861% | 4,612 |
| Net loans and leases to core deposits | 67.1404% | 4,457 |
| Total domestic deposits to total assets | 84.2695% | 3,331 |
| Equity capital to assets | 9.7671% | 3,989 |
| Core capital (leverage) ratio | 9.6105% | 3,950 |
| Tier 1 risk-based capital ratio | 17.0510% | 2,138 |
| Total risk-based capital ratio | 18.3096% | 2,088 |
| Memoranda: | ||
| Average total assets | $357,825,400 | 1,866 |
| Average earning assets | $336,684,800 | 1,842 |
| Average equity | $37,627,800 | 1,945 |
| Average total loans | $191,795,400 | 2,194 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7726% | 4,009 |
| Cost of funding earning assets | 0.4368% | 2,672 |
| Net interest margin | 3.3358% | 4,073 |
| Noninterest income to average assets | 0.3366% | 4,373 |
| Noninterest expense to average assets | 2.1730% | 4,836 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2802% | 1,350 |
| Return on assets (ROA) | 1.2820% | 1,451 |
| Pretax return on assets | 1.3037% | 2,416 |
| Return on Equity (ROE) | 11.9759% | 1,331 |
| Retained earnings to average equity (ytd only) | 0.9840% | 5,092 |
| Net charge-offs to loans | 0.0083% | 3,635 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 290.4094% | 282 |
| Efficiency ratio | 62.5349% | 4,135 |
| Assets per employee ($millions) | 4.6417% | 2,853 |
| Cash dividends to net income (ytd only)* | 91.7832% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0863% | 618 |
| Loan loss allowance to noncurrent loans | 1,065.9341% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 4,737 |
| Noncurrent loans to loans | 0.1957% | 4,569 |
| Net loans and leases to total assets | 50.9474% | 4,739 |
| Net loans and leases to deposits | 60.3085% | 4,736 |
| Net loans and leases to core deposits | 67.9739% | 4,473 |
| Total domestic deposits to total assets | 84.4779% | 3,035 |
| Equity capital to assets | 10.7876% | 3,256 |
| Core capital (leverage) ratio | 9.7127% | 3,923 |
| Tier 1 risk-based capital ratio | 17.9082% | 1,950 |
| Total risk-based capital ratio | 19.1681% | 1,912 |
| Memoranda: | ||
| Average total assets | $356,922,500 | 1,874 |
| Average earning assets | $335,778,000 | 1,851 |
| Average equity | $38,209,250 | 1,927 |
| Average total loans | $192,343,000 | 2,183 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7543% | 4,114 |
| Cost of funding earning assets | 0.4345% | 2,700 |
| Net interest margin | 3.3198% | 4,160 |
| Noninterest income to average assets | 0.3364% | 4,379 |
| Noninterest expense to average assets | 2.2065% | 4,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2306% | 1,501 |
| Return on assets (ROA) | 1.2333% | 1,584 |
| Pretax return on assets | 1.2552% | 2,589 |
| Return on Equity (ROE) | 11.5505% | 1,460 |
| Retained earnings to average equity (ytd only) | 1.5751% | 4,749 |
| Net charge-offs to loans | 0.0041% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 558.5000% | 118 |
| Efficiency ratio | 63.7925% | 4,060 |
| Assets per employee ($millions) | 4.6428% | 2,806 |
| Cash dividends to net income (ytd only)* | 86.3636% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9869% | 760 |
| Loan loss allowance to noncurrent loans | 115.0636% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.9452% | 2,262 |
| Noncurrent loans to loans | 1.7268% | 1,223 |
| Net loans and leases to total assets | 53.6492% | 4,541 |
| Net loans and leases to deposits | 63.6436% | 4,517 |
| Net loans and leases to core deposits | 71.7604% | 4,198 |
| Total domestic deposits to total assets | 84.2962% | 3,157 |
| Equity capital to assets | 10.8341% | 3,253 |
| Core capital (leverage) ratio | 9.4956% | 4,213 |
| Tier 1 risk-based capital ratio | 17.0949% | 2,179 |
| Total risk-based capital ratio | 18.3532% | 2,140 |
| Memoranda: | ||
| Average total assets | $356,759,330 | 1,879 |
| Average earning assets | $335,562,330 | 1,852 |
| Average equity | $38,093,670 | 1,935 |
| Average total loans | $194,466,670 | 2,170 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7498% | 4,138 |
| Cost of funding earning assets | 0.4274% | 2,791 |
| Net interest margin | 3.3224% | 4,135 |
| Noninterest income to average assets | 0.3244% | 4,415 |
| Noninterest expense to average assets | 2.1168% | 5,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3008% | 1,249 |
| Return on assets (ROA) | 1.3008% | 1,338 |
| Pretax return on assets | 1.3221% | 2,210 |
| Return on Equity (ROE) | 12.2727% | 1,225 |
| Retained earnings to average equity (ytd only) | 1.6837% | 4,602 |
| Net charge-offs to loans | 0.0165% | 2,607 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 147.2500% | 407 |
| Efficiency ratio | 61.5535% | 4,520 |
| Assets per employee ($millions) | 4.6193% | 2,863 |
| Cash dividends to net income (ytd only)* | 86.2813% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0107% | 806 |
| Loan loss allowance to noncurrent loans | 454.8009% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 4,571 |
| Noncurrent loans to loans | 0.4421% | 3,857 |
| Net loans and leases to total assets | 52.5348% | 4,575 |
| Net loans and leases to deposits | 61.9899% | 4,575 |
| Net loans and leases to core deposits | 70.0687% | 4,239 |
| Total domestic deposits to total assets | 84.7473% | 3,228 |
| Equity capital to assets | 10.5988% | 3,376 |
| Core capital (leverage) ratio | 9.6589% | 3,958 |
| Tier 1 risk-based capital ratio | 19.2063% | 1,684 |
| Total risk-based capital ratio | 20.4678% | 1,645 |
| Memoranda: | ||
| Average total assets | $356,392,500 | 1,881 |
| Average earning assets | $334,100,000 | 1,859 |
| Average equity | $37,775,000 | 1,947 |
| Average total loans | $193,860,000 | 2,173 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5786% | 4,731 |
| Cost of funding earning assets | 0.4143% | 3,000 |
| Net interest margin | 3.1643% | 4,739 |
| Noninterest income to average assets | 0.3191% | 4,612 |
| Noninterest expense to average assets | 2.1164% | 5,223 |
| Loan and lease loss provision to assets | 0.1387% | 1,708 |
| Net operating income to assets | 1.0244% | 2,240 |
| Return on assets (ROA) | 1.0282% | 2,301 |
| Pretax return on assets | 1.0501% | 3,265 |
| Return on Equity (ROE) | 10.1781% | 1,942 |
| Retained earnings to average equity (ytd only) | 1.6116% | 4,801 |
| Net charge-offs to loans | 0.0107% | 4,097 |
| Credit loss provision to net charge-offs | 2,565.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 219.1000% | 316 |
| Efficiency ratio | 64.1055% | 4,238 |
| Assets per employee ($millions) | 4.4618% | 3,105 |
| Cash dividends to net income (ytd only)* | 84.1662% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0005% | 801 |
| Loan loss allowance to noncurrent loans | 346.2633% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 4,317 |
| Noncurrent loans to loans | 0.5777% | 3,437 |
| Net loans and leases to total assets | 54.0906% | 4,492 |
| Net loans and leases to deposits | 63.4477% | 4,512 |
| Net loans and leases to core deposits | 70.4920% | 4,267 |
| Total domestic deposits to total assets | 85.2523% | 2,969 |
| Equity capital to assets | 10.5997% | 3,252 |
| Core capital (leverage) ratio | 9.7206% | 3,880 |
| Tier 1 risk-based capital ratio | 16.6935% | 2,395 |
| Total risk-based capital ratio | 17.9518% | 2,343 |
| Memoranda: | ||
| Average total assets | $369,787,200 | 1,775 |
| Average earning assets | $348,512,200 | 1,740 |
| Average equity | $37,354,800 | 1,914 |
| Average total loans | $186,809,200 | 2,179 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5481% | 4,869 |
| Cost of funding earning assets | 0.4148% | 3,068 |
| Net interest margin | 3.1333% | 4,868 |
| Noninterest income to average assets | 0.3150% | 4,685 |
| Noninterest expense to average assets | 2.0735% | 5,331 |
| Loan and lease loss provision to assets | 0.1832% | 1,132 |
| Net operating income to assets | 0.9905% | 2,513 |
| Return on assets (ROA) | 0.9936% | 2,588 |
| Pretax return on assets | 1.0150% | 3,554 |
| Return on Equity (ROE) | 9.9517% | 2,126 |
| Retained earnings to average equity (ytd only) | 1.3849% | 5,168 |
| Net charge-offs to loans | 0.0058% | 3,973 |
| Credit loss provision to net charge-offs | 6,425.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 418.9831% | 180 |
| Efficiency ratio | 63.4391% | 4,345 |
| Assets per employee ($millions) | 4.7225% | 2,664 |
| Cash dividends to net income (ytd only)* | 86.0832% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0739% | 816 |
| Loan loss allowance to noncurrent loans | 349.5971% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 4,518 |
| Noncurrent loans to loans | 0.5932% | 3,547 |
| Net loans and leases to total assets | 51.3742% | 4,815 |
| Net loans and leases to deposits | 60.1661% | 4,844 |
| Net loans and leases to core deposits | 67.9010% | 4,546 |
| Total domestic deposits to total assets | 85.3872% | 2,833 |
| Equity capital to assets | 10.4229% | 3,682 |
| Core capital (leverage) ratio | 9.3381% | 4,532 |
| Tier 1 risk-based capital ratio | 16.8570% | 2,421 |
| Total risk-based capital ratio | 18.1157% | 2,377 |
| Memoranda: | ||
| Average total assets | $374,113,750 | 1,769 |
| Average earning assets | $352,627,750 | 1,724 |
| Average equity | $37,353,000 | 1,925 |
| Average total loans | $184,873,750 | 2,209 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4961% | 4,991 |
| Cost of funding earning assets | 0.4153% | 3,091 |
| Net interest margin | 3.0808% | 5,016 |
| Noninterest income to average assets | 0.2948% | 4,850 |
| Noninterest expense to average assets | 2.0550% | 5,428 |
| Loan and lease loss provision to assets | 0.0074% | 3,960 |
| Net operating income to assets | 1.1104% | 1,907 |
| Return on assets (ROA) | 1.1150% | 1,977 |
| Pretax return on assets | 1.1367% | 3,020 |
| Return on Equity (ROE) | 11.3247% | 1,581 |
| Retained earnings to average equity (ytd only) | 3.0213% | 4,119 |
| Net charge-offs to loans | 0.0142% | 3,435 |
| Credit loss provision to net charge-offs | 107.6923% | 1,952 |
| Earnings coverage of net charge-offs (x) | 166.1538% | 397 |
| Efficiency ratio | 64.3329% | 4,300 |
| Assets per employee ($millions) | 4.8611% | 2,454 |
| Cash dividends to net income (ytd only)* | 73.3207% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7660% | 1,443 |
| Loan loss allowance to noncurrent loans | 551.0535% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 5,208 |
| Noncurrent loans to loans | 0.3205% | 4,548 |
| Net loans and leases to total assets | 51.1918% | 4,827 |
| Net loans and leases to deposits | 62.2375% | 4,685 |
| Net loans and leases to core deposits | 69.2478% | 4,389 |
| Total domestic deposits to total assets | 82.2523% | 4,210 |
| Equity capital to assets | 10.1108% | 3,915 |
| Core capital (leverage) ratio | 8.9730% | 5,006 |
| Tier 1 risk-based capital ratio | 16.7568% | 2,506 |
| Total risk-based capital ratio | 18.0119% | 2,455 |
| Memoranda: | ||
| Average total assets | $379,181,000 | 1,751 |
| Average earning assets | $356,857,330 | 1,715 |
| Average equity | $37,334,330 | 1,932 |
| Average total loans | $183,734,000 | 2,237 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3844% | 5,238 |
| Cost of funding earning assets | 0.4140% | 3,148 |
| Net interest margin | 2.9704% | 5,294 |
| Noninterest income to average assets | 0.2791% | 4,943 |
| Noninterest expense to average assets | 1.9445% | 5,677 |
| Loan and lease loss provision to assets | 0.0146% | 3,535 |
| Net operating income to assets | 1.0863% | 1,917 |
| Return on assets (ROA) | 1.0863% | 2,031 |
| Pretax return on assets | 1.1072% | 3,041 |
| Return on Equity (ROE) | 11.1776% | 1,585 |
| Retained earnings to average equity (ytd only) | 3.6759% | 3,804 |
| Net charge-offs to loans | 0.0245% | 2,672 |
| Credit loss provision to net charge-offs | 127.2727% | 1,390 |
| Earnings coverage of net charge-offs (x) | 97.9091% | 508 |
| Efficiency ratio | 63.4171% | 4,569 |
| Assets per employee ($millions) | 5.1009% | 2,231 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9094% | 1,266 |
| Loan loss allowance to noncurrent loans | 527.4419% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 5,271 |
| Noncurrent loans to loans | 0.3620% | 4,503 |
| Net loans and leases to total assets | 45.0813% | 5,266 |
| Net loans and leases to deposits | 52.9804% | 5,267 |
| Net loans and leases to core deposits | 58.9190% | 5,069 |
| Total domestic deposits to total assets | 85.0905% | 3,361 |
| Equity capital to assets | 9.7491% | 4,433 |
| Core capital (leverage) ratio | 8.8521% | 5,136 |
| Tier 1 risk-based capital ratio | 18.0732% | 2,116 |
| Total risk-based capital ratio | 19.3301% | 2,065 |
| Memoranda: | ||
| Average total assets | $384,048,500 | 1,738 |
| Average earning assets | $360,361,500 | 1,701 |
| Average equity | $37,324,500 | 1,950 |
| Average total loans | $179,338,000 | 2,279 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6012% | 5,077 |
| Cost of funding earning assets | 0.4320% | 3,360 |
| Net interest margin | 3.1692% | 5,018 |
| Noninterest income to average assets | 0.3341% | 4,720 |
| Noninterest expense to average assets | 2.0688% | 5,638 |
| Loan and lease loss provision to assets | 0.0025% | 4,553 |
| Net operating income to assets | 1.2190% | 1,529 |
| Return on assets (ROA) | 1.2318% | 1,544 |
| Pretax return on assets | 1.2548% | 2,417 |
| Return on Equity (ROE) | 12.8075% | 1,181 |
| Retained earnings to average equity (ytd only) | 4.4208% | 3,035 |
| Net charge-offs to loans | 0.0231% | 4,375 |
| Credit loss provision to net charge-offs | 21.9512% | 3,954 |
| Earnings coverage of net charge-offs (x) | 110.9756% | 478 |
| Efficiency ratio | 62.4464% | 4,836 |
| Assets per employee ($millions) | 4.8773% | 2,493 |
| Cash dividends to net income (ytd only)* | 65.4828% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8830% | 1,350 |
| Loan loss allowance to noncurrent loans | 440.2850% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 5,203 |
| Noncurrent loans to loans | 0.4277% | 4,359 |
| Net loans and leases to total assets | 46.5551% | 5,282 |
| Net loans and leases to deposits | 53.3578% | 5,377 |
| Net loans and leases to core deposits | 59.1062% | 5,193 |
| Total domestic deposits to total assets | 87.2508% | 2,146 |
| Equity capital to assets | 9.6877% | 4,485 |
| Core capital (leverage) ratio | 8.9011% | 5,118 |
| Tier 1 risk-based capital ratio | 17.4428% | 2,337 |
| Total risk-based capital ratio | 18.6993% | 2,300 |
| Memoranda: | ||
| Average total assets | $365,718,600 | 1,780 |
| Average earning assets | $343,749,600 | 1,743 |
| Average equity | $35,174,600 | 1,987 |
| Average total loans | $177,273,000 | 2,256 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6289% | 5,071 |
| Cost of funding earning assets | 0.4383% | 3,383 |
| Net interest margin | 3.1905% | 4,999 |
| Noninterest income to average assets | 0.3355% | 4,758 |
| Noninterest expense to average assets | 2.0399% | 5,700 |
| Loan and lease loss provision to assets | 0.0033% | 4,342 |
| Net operating income to assets | 1.2668% | 1,471 |
| Return on assets (ROA) | 1.2809% | 1,482 |
| Pretax return on assets | 1.3037% | 2,361 |
| Return on Equity (ROE) | 13.3428% | 1,131 |
| Retained earnings to average equity (ytd only) | 4.3274% | 3,570 |
| Net charge-offs to loans | 0.0295% | 3,897 |
| Credit loss provision to net charge-offs | 23.0769% | 3,547 |
| Earnings coverage of net charge-offs (x) | 89.9977% | 639 |
| Efficiency ratio | 61.2112% | 5,002 |
| Assets per employee ($millions) | 4.7493% | 2,597 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0058% | 1,249 |
| Loan loss allowance to noncurrent loans | 557.5410% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 5,528 |
| Noncurrent loans to loans | 0.3598% | 4,828 |
| Net loans and leases to total assets | 44.8530% | 5,464 |
| Net loans and leases to deposits | 51.5227% | 5,561 |
| Net loans and leases to core deposits | 56.5473% | 5,416 |
| Total domestic deposits to total assets | 87.0549% | 2,290 |
| Equity capital to assets | 9.7088% | 4,543 |
| Core capital (leverage) ratio | 9.1792% | 4,813 |
| Tier 1 risk-based capital ratio | 18.4766% | 2,060 |
| Total risk-based capital ratio | 19.7350% | 2,017 |
| Memoranda: | ||
| Average total assets | $362,040,500 | 1,810 |
| Average earning assets | $340,080,500 | 1,769 |
| Average equity | $34,754,500 | 2,018 |
| Average total loans | $176,464,000 | 2,277 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6665% | 4,960 |
| Cost of funding earning assets | 0.4475% | 3,357 |
| Net interest margin | 3.2190% | 4,878 |
| Noninterest income to average assets | 0.3307% | 4,774 |
| Noninterest expense to average assets | 2.0749% | 5,676 |
| Loan and lease loss provision to assets | 0.0050% | 4,131 |
| Net operating income to assets | 1.2471% | 1,454 |
| Return on assets (ROA) | 1.2471% | 1,516 |
| Pretax return on assets | 1.2705% | 2,367 |
| Return on Equity (ROE) | 13.0420% | 1,162 |
| Retained earnings to average equity (ytd only) | 4.3085% | 3,428 |
| Net charge-offs to loans | 0.0022% | 4,313 |
| Credit loss provision to net charge-offs | 450.0000% | 632 |
| Earnings coverage of net charge-offs (x) | 1,145.5000% | 49 |
| Efficiency ratio | 61.9309% | 5,022 |
| Assets per employee ($millions) | 4.7590% | 2,533 |
| Cash dividends to net income (ytd only)* | 66.9643% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9153% | 1,546 |
| Loan loss allowance to noncurrent loans | 546.5819% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 5,607 |
| Noncurrent loans to loans | 0.3504% | 4,953 |
| Net loans and leases to total assets | 49.3291% | 5,034 |
| Net loans and leases to deposits | 57.0556% | 5,114 |
| Net loans and leases to core deposits | 62.2487% | 4,951 |
| Total domestic deposits to total assets | 86.4579% | 2,784 |
| Equity capital to assets | 9.9842% | 4,126 |
| Core capital (leverage) ratio | 9.0303% | 4,970 |
| Tier 1 risk-based capital ratio | 17.3248% | 2,491 |
| Total risk-based capital ratio | 18.5822% | 2,450 |
| Memoranda: | ||
| Average total assets | $359,238,000 | 1,826 |
| Average earning assets | $336,997,670 | 1,784 |
| Average equity | $34,350,670 | 2,024 |
| Average total loans | $178,766,000 | 2,246 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6556% | 4,991 |
| Cost of funding earning assets | 0.4451% | 3,482 |
| Net interest margin | 3.2105% | 4,891 |
| Noninterest income to average assets | 0.3152% | 4,845 |
| Noninterest expense to average assets | 1.9767% | 5,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3252% | 1,151 |
| Return on assets (ROA) | 1.3252% | 1,199 |
| Pretax return on assets | 1.3485% | 1,924 |
| Return on Equity (ROE) | 14.1687% | 914 |
| Retained earnings to average equity (ytd only) | 4.6754% | 3,315 |
| Net charge-offs to loans | -0.0067% | 4,902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4459% | 5,481 |
| Assets per employee ($millions) | 4.8638% | 2,426 |
| Cash dividends to net income (ytd only)* | 67.0017% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9374% | 1,651 |
| Loan loss allowance to noncurrent loans | 324.2682% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2933% | 5,281 |
| Noncurrent loans to loans | 0.5975% | 4,367 |
| Net loans and leases to total assets | 47.6485% | 5,172 |
| Net loans and leases to deposits | 54.5900% | 5,227 |
| Net loans and leases to core deposits | 59.3722% | 5,100 |
| Total domestic deposits to total assets | 87.2843% | 2,647 |
| Equity capital to assets | 9.3891% | 4,645 |
| Core capital (leverage) ratio | 8.9604% | 5,072 |
| Tier 1 risk-based capital ratio | 16.9728% | 2,706 |
| Total risk-based capital ratio | 18.2295% | 2,654 |
| Memoranda: | ||
| Average total assets | $360,394,500 | 1,822 |
| Average earning assets | $337,893,500 | 1,785 |
| Average equity | $33,708,000 | 2,048 |
| Average total loans | $178,396,000 | 2,249 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6633% | 5,233 |
| Cost of funding earning assets | 0.4962% | 3,653 |
| Net interest margin | 3.1671% | 5,102 |
| Noninterest income to average assets | 0.3632% | 4,710 |
| Noninterest expense to average assets | 2.0690% | 5,898 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2308% | 1,449 |
| Return on assets (ROA) | 1.2300% | 1,515 |
| Pretax return on assets | 1.2517% | 2,356 |
| Return on Equity (ROE) | 12.8275% | 1,200 |
| Retained earnings to average equity (ytd only) | 0.9167% | 5,425 |
| Net charge-offs to loans | 0.0144% | 5,163 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 180.5000% | 254 |
| Efficiency ratio | 62.2911% | 5,160 |
| Assets per employee ($millions) | 4.5642% | 2,787 |
| Cash dividends to net income (ytd only)* | 92.8538% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9110% | 1,759 |
| Loan loss allowance to noncurrent loans | 613.7746% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 5,836 |
| Noncurrent loans to loans | 0.3113% | 5,254 |
| Net loans and leases to total assets | 49.4692% | 5,138 |
| Net loans and leases to deposits | 57.0482% | 5,204 |
| Net loans and leases to core deposits | 61.5251% | 5,104 |
| Total domestic deposits to total assets | 86.7148% | 2,869 |
| Equity capital to assets | 9.3162% | 4,675 |
| Core capital (leverage) ratio | 9.0359% | 4,944 |
| Tier 1 risk-based capital ratio | 16.5375% | 2,836 |
| Total risk-based capital ratio | 17.7943% | 2,803 |
| Memoranda: | ||
| Average total assets | $345,861,000 | 1,867 |
| Average earning assets | $323,072,600 | 1,840 |
| Average equity | $33,163,200 | 2,077 |
| Average total loans | $167,023,200 | 2,339 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6846% | 5,207 |
| Cost of funding earning assets | 0.5103% | 3,673 |
| Net interest margin | 3.1742% | 5,074 |
| Noninterest income to average assets | 0.3670% | 4,764 |
| Noninterest expense to average assets | 2.0699% | 5,891 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2392% | 1,511 |
| Return on assets (ROA) | 1.2400% | 1,586 |
| Pretax return on assets | 1.2617% | 2,472 |
| Return on Equity (ROE) | 12.8375% | 1,275 |
| Retained earnings to average equity (ytd only) | 1.7811% | 5,248 |
| Net charge-offs to loans | 0.0122% | 4,897 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 216.4615% | 270 |
| Efficiency ratio | 62.1429% | 5,118 |
| Assets per employee ($millions) | 4.5073% | 2,875 |
| Cash dividends to net income (ytd only)* | 86.1260% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9810% | 1,769 |
| Loan loss allowance to noncurrent loans | 590.7919% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 5,926 |
| Noncurrent loans to loans | 0.3353% | 5,383 |
| Net loans and leases to total assets | 47.5901% | 5,393 |
| Net loans and leases to deposits | 54.5522% | 5,491 |
| Net loans and leases to core deposits | 58.7729% | 5,383 |
| Total domestic deposits to total assets | 87.2377% | 2,543 |
| Equity capital to assets | 9.3558% | 4,739 |
| Core capital (leverage) ratio | 8.9550% | 5,194 |
| Tier 1 risk-based capital ratio | 17.5595% | 2,488 |
| Total risk-based capital ratio | 18.8173% | 2,455 |
| Memoranda: | ||
| Average total assets | $343,325,000 | 1,893 |
| Average earning assets | $320,573,000 | 1,866 |
| Average equity | $33,162,500 | 2,100 |
| Average total loans | $163,893,000 | 2,380 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6341% | 5,341 |
| Cost of funding earning assets | 0.5187% | 3,716 |
| Net interest margin | 3.1154% | 5,231 |
| Noninterest income to average assets | 0.3526% | 4,865 |
| Noninterest expense to average assets | 1.9897% | 6,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2528% | 1,449 |
| Return on assets (ROA) | 1.2539% | 1,543 |
| Pretax return on assets | 1.2753% | 2,385 |
| Return on Equity (ROE) | 12.8523% | 1,273 |
| Retained earnings to average equity (ytd only) | 5.4591% | 2,769 |
| Net charge-offs to loans | -0.0085% | 5,740 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9618% | 5,337 |
| Assets per employee ($millions) | 4.5367% | 2,764 |
| Cash dividends to net income (ytd only)* | 57.5242% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9172% | 2,070 |
| Loan loss allowance to noncurrent loans | 599.2579% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 6,019 |
| Noncurrent loans to loans | 0.3199% | 5,492 |
| Net loans and leases to total assets | 48.5667% | 5,273 |
| Net loans and leases to deposits | 57.1122% | 5,238 |
| Net loans and leases to core deposits | 62.2989% | 5,071 |
| Total domestic deposits to total assets | 85.0373% | 3,869 |
| Equity capital to assets | 9.5088% | 4,568 |
| Core capital (leverage) ratio | 8.7796% | 5,316 |
| Tier 1 risk-based capital ratio | 16.9634% | 2,732 |
| Total risk-based capital ratio | 18.2200% | 2,697 |
| Memoranda: | ||
| Average total assets | $346,587,330 | 1,882 |
| Average earning assets | $323,873,000 | 1,844 |
| Average equity | $33,815,000 | 2,059 |
| Average total loans | $164,544,330 | 2,375 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5008% | 5,703 |
| Cost of funding earning assets | 0.5250% | 3,839 |
| Net interest margin | 2.9758% | 5,631 |
| Noninterest income to average assets | 0.3442% | 4,936 |
| Noninterest expense to average assets | 1.9854% | 6,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1128% | 1,806 |
| Return on assets (ROA) | 1.1151% | 1,909 |
| Pretax return on assets | 1.1357% | 2,836 |
| Return on Equity (ROE) | 11.2895% | 1,623 |
| Retained earnings to average equity (ytd only) | 5.5000% | 2,956 |
| Net charge-offs to loans | 0.0418% | 3,450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 58.2941% | 608 |
| Efficiency ratio | 63.6597% | 5,060 |
| Assets per employee ($millions) | 4.8045% | 2,480 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9832% | 2,094 |
| Loan loss allowance to noncurrent loans | 282.4670% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 5,594 |
| Noncurrent loans to loans | 0.7021% | 4,725 |
| Net loans and leases to total assets | 45.1770% | 5,529 |
| Net loans and leases to deposits | 51.9226% | 5,627 |
| Net loans and leases to core deposits | 57.3121% | 5,403 |
| Total domestic deposits to total assets | 87.0084% | 2,955 |
| Equity capital to assets | 9.8436% | 4,362 |
| Core capital (leverage) ratio | 8.6453% | 5,397 |
| Tier 1 risk-based capital ratio | 17.0830% | 2,708 |
| Total risk-based capital ratio | 18.3400% | 2,679 |
| Memoranda: | ||
| Average total assets | $349,755,000 | 1,892 |
| Average earning assets | $326,093,000 | 1,855 |
| Average equity | $34,545,500 | 2,041 |
| Average total loans | $162,577,000 | 2,415 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 4,950 |
| Cost of funding earning assets | 0.6309% | 4,092 |
| Net interest margin | 3.4685% | 4,636 |
| Noninterest income to average assets | 0.3850% | 4,720 |
| Noninterest expense to average assets | 2.2377% | 5,841 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3496% | 1,196 |
| Return on assets (ROA) | 1.3546% | 1,307 |
| Pretax return on assets | 1.3757% | 2,121 |
| Return on Equity (ROE) | 13.4108% | 1,124 |
| Retained earnings to average equity (ytd only) | 6.8486% | 1,642 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0157% | 5,234 |
| Assets per employee ($millions) | 4.8442% | 2,425 |
| Cash dividends to net income (ytd only)* | 48.9324% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9713% | 2,097 |
| Loan loss allowance to noncurrent loans | 222.2759% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 5,450 |
| Noncurrent loans to loans | 0.8869% | 4,403 |
| Net loans and leases to total assets | 45.9532% | 5,618 |
| Net loans and leases to deposits | 53.0202% | 5,737 |
| Net loans and leases to core deposits | 58.9963% | 5,453 |
| Total domestic deposits to total assets | 86.6711% | 3,013 |
| Equity capital to assets | 9.9107% | 4,291 |
| Core capital (leverage) ratio | 8.8585% | 5,085 |
| Tier 1 risk-based capital ratio | 17.1887% | 2,566 |
| Total risk-based capital ratio | 18.4465% | 2,536 |
| Memoranda: | ||
| Average total assets | $331,906,800 | 1,942 |
| Average earning assets | $308,434,800 | 1,920 |
| Average equity | $33,525,200 | 2,061 |
| Average total loans | $168,512,000 | 2,325 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2117% | 4,775 |
| Cost of funding earning assets | 0.6531% | 4,169 |
| Net interest margin | 3.5586% | 4,403 |
| Noninterest income to average assets | 0.3784% | 4,794 |
| Noninterest expense to average assets | 2.2407% | 5,852 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4221% | 1,177 |
| Return on assets (ROA) | 1.4286% | 1,284 |
| Pretax return on assets | 1.4497% | 2,079 |
| Return on Equity (ROE) | 14.0726% | 1,096 |
| Retained earnings to average equity (ytd only) | 7.2588% | 1,973 |
| Net charge-offs to loans | -0.0353% | 6,618 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8239% | 5,348 |
| Assets per employee ($millions) | 4.5034% | 2,909 |
| Cash dividends to net income (ytd only)* | 48.4192% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9789% | 2,227 |
| Loan loss allowance to noncurrent loans | 215.8520% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 5,525 |
| Noncurrent loans to loans | 0.9168% | 4,599 |
| Net loans and leases to total assets | 48.5727% | 5,482 |
| Net loans and leases to deposits | 56.5634% | 5,580 |
| Net loans and leases to core deposits | 61.9716% | 5,364 |
| Total domestic deposits to total assets | 85.8730% | 3,320 |
| Equity capital to assets | 10.4269% | 3,925 |
| Core capital (leverage) ratio | 8.8868% | 5,210 |
| Tier 1 risk-based capital ratio | 16.8847% | 2,789 |
| Total risk-based capital ratio | 18.1426% | 2,749 |
| Memoranda: | ||
| Average total assets | $327,687,750 | 1,982 |
| Average earning assets | $304,379,250 | 1,962 |
| Average equity | $33,264,750 | 2,092 |
| Average total loans | $169,765,000 | 2,342 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2998% | 4,580 |
| Cost of funding earning assets | 0.6755% | 4,223 |
| Net interest margin | 3.6243% | 4,168 |
| Noninterest income to average assets | 0.3609% | 4,951 |
| Noninterest expense to average assets | 2.2294% | 5,927 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4702% | 1,046 |
| Return on assets (ROA) | 1.4793% | 1,153 |
| Pretax return on assets | 1.5002% | 1,846 |
| Return on Equity (ROE) | 14.7084% | 982 |
| Retained earnings to average equity (ytd only) | 4.3332% | 3,731 |
| Net charge-offs to loans | -0.0607% | 6,721 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9241% | 5,589 |
| Assets per employee ($millions) | 4.2480% | 3,365 |
| Cash dividends to net income (ytd only)* | 70.5394% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9365% | 2,428 |
| Loan loss allowance to noncurrent loans | 515.7480% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 6,299 |
| Noncurrent loans to loans | 0.3755% | 5,788 |
| Net loans and leases to total assets | 50.7024% | 5,266 |
| Net loans and leases to deposits | 59.1264% | 5,324 |
| Net loans and leases to core deposits | 64.7869% | 5,123 |
| Total domestic deposits to total assets | 85.7525% | 3,482 |
| Equity capital to assets | 10.1698% | 4,096 |
| Core capital (leverage) ratio | 8.5459% | 5,587 |
| Tier 1 risk-based capital ratio | 15.7033% | 3,331 |
| Total risk-based capital ratio | 16.9606% | 3,290 |
| Memoranda: | ||
| Average total assets | $325,832,000 | 1,988 |
| Average earning assets | $302,016,000 | 1,969 |
| Average equity | $32,770,330 | 2,100 |
| Average total loans | $171,307,000 | 2,335 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3160% | 4,679 |
| Cost of funding earning assets | 0.6939% | 4,335 |
| Net interest margin | 3.6221% | 4,168 |
| Noninterest income to average assets | 0.3936% | 4,718 |
| Noninterest expense to average assets | 2.3161% | 5,729 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4084% | 1,209 |
| Return on assets (ROA) | 1.4133% | 1,346 |
| Pretax return on assets | 1.4342% | 2,072 |
| Return on Equity (ROE) | 14.1315% | 1,163 |
| Retained earnings to average equity (ytd only) | 4.2923% | 4,014 |
| Net charge-offs to loans | -0.1044% | 6,801 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8391% | 5,302 |
| Assets per employee ($millions) | 4.4813% | 3,031 |
| Cash dividends to net income (ytd only)* | 69.6258% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9331% | 2,579 |
| Loan loss allowance to noncurrent loans | 418.4379% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 6,296 |
| Noncurrent loans to loans | 0.4620% | 5,755 |
| Net loans and leases to total assets | 49.9953% | 5,309 |
| Net loans and leases to deposits | 57.8718% | 5,390 |
| Net loans and leases to core deposits | 63.0597% | 5,217 |
| Total domestic deposits to total assets | 86.3899% | 3,310 |
| Equity capital to assets | 9.8615% | 4,298 |
| Core capital (leverage) ratio | 8.5626% | 5,494 |
| Tier 1 risk-based capital ratio | 15.5407% | 3,423 |
| Total risk-based capital ratio | 16.7979% | 3,395 |
| Memoranda: | ||
| Average total assets | $325,199,500 | 1,998 |
| Average earning assets | $300,928,000 | 1,976 |
| Average equity | $32,523,000 | 2,116 |
| Average total loans | $172,400,000 | 2,338 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5737% | 4,776 |
| Cost of funding earning assets | 0.8729% | 4,303 |
| Net interest margin | 3.7008% | 4,290 |
| Noninterest income to average assets | 0.3820% | 4,772 |
| Noninterest expense to average assets | 2.2737% | 6,105 |
| Loan and lease loss provision to assets | 0.0789% | 5,628 |
| Net operating income to assets | 1.4306% | 968 |
| Return on assets (ROA) | 1.4609% | 979 |
| Pretax return on assets | 1.4821% | 1,528 |
| Return on Equity (ROE) | 14.5919% | 811 |
| Retained earnings to average equity (ytd only) | 0.5612% | 5,582 |
| Net charge-offs to loans | 0.0892% | 5,444 |
| Credit loss provision to net charge-offs | 171.2329% | 1,564 |
| Earnings coverage of net charge-offs (x) | 33.2055% | 778 |
| Efficiency ratio | 59.7710% | 5,795 |
| Assets per employee ($millions) | 4.2505% | 3,366 |
| Cash dividends to net income (ytd only)* | 96.1538% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8339% | 2,763 |
| Loan loss allowance to noncurrent loans | 782.2816% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 6,490 |
| Noncurrent loans to loans | 0.2344% | 6,272 |
| Net loans and leases to total assets | 54.1172% | 5,021 |
| Net loans and leases to deposits | 63.1238% | 5,108 |
| Net loans and leases to core deposits | 69.5390% | 4,842 |
| Total domestic deposits to total assets | 85.7318% | 3,467 |
| Equity capital to assets | 10.1460% | 3,974 |
| Core capital (leverage) ratio | 8.6672% | 5,298 |
| Tier 1 risk-based capital ratio | 14.8663% | 3,717 |
| Total risk-based capital ratio | 16.1224% | 3,689 |
| Memoranda: | ||
| Average total assets | $316,790,800 | 2,027 |
| Average earning assets | $292,937,800 | 1,996 |
| Average equity | $31,716,200 | 2,094 |
| Average total loans | $163,744,000 | 2,443 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5899% | 4,903 |
| Cost of funding earning assets | 0.8984% | 4,412 |
| Net interest margin | 3.6915% | 4,382 |
| Noninterest income to average assets | 0.3714% | 4,894 |
| Noninterest expense to average assets | 2.3168% | 5,985 |
| Loan and lease loss provision to assets | 0.0632% | 5,661 |
| Net operating income to assets | 1.3885% | 1,183 |
| Return on assets (ROA) | 1.4290% | 1,169 |
| Pretax return on assets | 1.4497% | 1,787 |
| Return on Equity (ROE) | 14.3219% | 974 |
| Retained earnings to average equity (ytd only) | 2.9151% | 4,614 |
| Net charge-offs to loans | 0.2040% | 4,171 |
| Credit loss provision to net charge-offs | 60.9756% | 4,783 |
| Earnings coverage of net charge-offs (x) | 14.1952% | 1,552 |
| Efficiency ratio | 61.1482% | 5,541 |
| Assets per employee ($millions) | 4.2100% | 3,424 |
| Cash dividends to net income (ytd only)* | 79.6460% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8305% | 2,832 |
| Loan loss allowance to noncurrent loans | 693.3486% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 6,495 |
| Noncurrent loans to loans | 0.2640% | 6,346 |
| Net loans and leases to total assets | 51.3454% | 5,535 |
| Net loans and leases to deposits | 59.9230% | 5,639 |
| Net loans and leases to core deposits | 66.4409% | 5,370 |
| Total domestic deposits to total assets | 85.6855% | 3,395 |
| Equity capital to assets | 10.5565% | 3,633 |
| Core capital (leverage) ratio | 8.8789% | 5,141 |
| Tier 1 risk-based capital ratio | 15.5705% | 3,346 |
| Total risk-based capital ratio | 16.8260% | 3,303 |
| Memoranda: | ||
| Average total assets | $316,292,000 | 2,032 |
| Average earning assets | $292,807,000 | 2,008 |
| Average equity | $31,559,250 | 2,102 |
| Average total loans | $160,744,750 | 2,499 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5879% | 5,015 |
| Cost of funding earning assets | 0.9258% | 4,484 |
| Net interest margin | 3.6622% | 4,458 |
| Noninterest income to average assets | 0.3261% | 5,284 |
| Noninterest expense to average assets | 2.2985% | 6,138 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3973% | 1,087 |
| Return on assets (ROA) | 1.3979% | 1,155 |
| Pretax return on assets | 1.4181% | 1,756 |
| Return on Equity (ROE) | 14.2856% | 922 |
| Retained earnings to average equity (ytd only) | 2.6608% | 4,597 |
| Net charge-offs to loans | 0.2888% | 3,433 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 9.7522% | 1,881 |
| Efficiency ratio | 61.8537% | 5,604 |
| Assets per employee ($millions) | 4.1632% | 3,422 |
| Cash dividends to net income (ytd only)* | 81.3743% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7965% | 3,009 |
| Loan loss allowance to noncurrent loans | 226.7661% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.4902% | 5,943 |
| Noncurrent loans to loans | 0.7922% | 5,328 |
| Net loans and leases to total assets | 49.9117% | 5,835 |
| Net loans and leases to deposits | 60.3927% | 5,690 |
| Net loans and leases to core deposits | 66.5334% | 5,442 |
| Total domestic deposits to total assets | 82.6451% | 4,931 |
| Equity capital to assets | 10.1716% | 3,912 |
| Core capital (leverage) ratio | 8.6522% | 5,303 |
| Tier 1 risk-based capital ratio | 15.9409% | 3,006 |
| Total risk-based capital ratio | 17.1958% | 2,971 |
| Memoranda: | ||
| Average total assets | $316,472,670 | 2,037 |
| Average earning assets | $292,942,000 | 2,016 |
| Average equity | $30,968,330 | 2,125 |
| Average total loans | $159,277,670 | 2,547 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5722% | 5,068 |
| Cost of funding earning assets | 0.9568% | 4,517 |
| Net interest margin | 3.6154% | 4,503 |
| Noninterest income to average assets | 0.3425% | 5,177 |
| Noninterest expense to average assets | 2.3658% | 5,999 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2992% | 1,268 |
| Return on assets (ROA) | 1.3004% | 1,307 |
| Pretax return on assets | 1.3207% | 1,973 |
| Return on Equity (ROE) | 13.5569% | 1,077 |
| Retained earnings to average equity (ytd only) | 3.0170% | 4,353 |
| Net charge-offs to loans | -0.0076% | 6,298 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1975% | 5,329 |
| Assets per employee ($millions) | 4.3256% | 3,193 |
| Cash dividends to net income (ytd only)* | 77.7454% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0162% | 2,368 |
| Loan loss allowance to noncurrent loans | 170.8812% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.8101% | 5,287 |
| Noncurrent loans to loans | 1.1799% | 4,718 |
| Net loans and leases to total assets | 47.3990% | 6,149 |
| Net loans and leases to deposits | 54.6190% | 6,243 |
| Net loans and leases to core deposits | 65.1081% | 5,611 |
| Total domestic deposits to total assets | 86.7813% | 3,070 |
| Equity capital to assets | 9.5707% | 4,342 |
| Core capital (leverage) ratio | 8.6866% | 5,103 |
| Tier 1 risk-based capital ratio | 15.9498% | 2,926 |
| Total risk-based capital ratio | 17.2069% | 2,892 |
| Memoranda: | ||
| Average total assets | $316,508,500 | 2,060 |
| Average earning assets | $292,638,000 | 2,038 |
| Average equity | $30,361,000 | 2,156 |
| Average total loans | $158,511,500 | 2,584 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0602% | 4,283 |
| Cost of funding earning assets | 1.2247% | 4,390 |
| Net interest margin | 3.8355% | 3,797 |
| Noninterest income to average assets | 0.7816% | 2,369 |
| Noninterest expense to average assets | 2.4998% | 5,799 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.7526% | 462 |
| Return on assets (ROA) | 1.8169% | 432 |
| Pretax return on assets | 1.8417% | 696 |
| Return on Equity (ROE) | 17.2799% | 452 |
| Retained earnings to average equity (ytd only) | 2.1640% | 4,378 |
| Net charge-offs to loans | 0.0224% | 6,589 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 143.5135% | 171 |
| Efficiency ratio | 58.4540% | 6,282 |
| Assets per employee ($millions) | 4.3462% | 3,117 |
| Cash dividends to net income (ytd only)* | 87.4770% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9232% | 2,488 |
| Loan loss allowance to noncurrent loans | 651.1482% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.4202% | 6,225 |
| Noncurrent loans to loans | 0.2953% | 6,469 |
| Net loans and leases to total assets | 50.8305% | 6,063 |
| Net loans and leases to deposits | 60.4566% | 6,006 |
| Net loans and leases to core deposits | 66.8103% | 5,800 |
| Total domestic deposits to total assets | 84.0777% | 4,325 |
| Equity capital to assets | 9.6147% | 4,255 |
| Core capital (leverage) ratio | 8.6385% | 5,127 |
| Tier 1 risk-based capital ratio | 15.3345% | 3,079 |
| Total risk-based capital ratio | 16.5905% | 3,037 |
| Memoranda: | ||
| Average total assets | $298,859,400 | 2,156 |
| Average earning assets | $272,321,600 | 2,168 |
| Average equity | $31,423,800 | 2,089 |
| Average total loans | $165,193,400 | 2,543 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1309% | 4,166 |
| Cost of funding earning assets | 1.2774% | 4,386 |
| Net interest margin | 3.8535% | 3,738 |
| Noninterest income to average assets | 0.9002% | 1,795 |
| Noninterest expense to average assets | 2.5515% | 5,509 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.8192% | 476 |
| Return on assets (ROA) | 1.8974% | 457 |
| Pretax return on assets | 1.9236% | 735 |
| Return on Equity (ROE) | 17.6455% | 510 |
| Retained earnings to average equity (ytd only) | 3.5811% | 3,926 |
| Net charge-offs to loans | -0.0651% | 7,499 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0407% | 6,266 |
| Assets per employee ($millions) | 4.2604% | 3,330 |
| Cash dividends to net income (ytd only)* | 79.7051% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0324% | 2,143 |
| Loan loss allowance to noncurrent loans | 391.8886% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.5392% | 6,076 |
| Noncurrent loans to loans | 0.5186% | 6,160 |
| Net loans and leases to total assets | 50.1707% | 6,308 |
| Net loans and leases to deposits | 60.1276% | 6,303 |
| Net loans and leases to core deposits | 65.4025% | 6,166 |
| Total domestic deposits to total assets | 83.4404% | 4,402 |
| Equity capital to assets | 10.3913% | 3,651 |
| Core capital (leverage) ratio | 9.1654% | 4,432 |
| Tier 1 risk-based capital ratio | 15.4635% | 3,016 |
| Total risk-based capital ratio | 16.7209% | 2,984 |
| Memoranda: | ||
| Average total assets | $295,342,750 | 2,214 |
| Average earning assets | $267,939,250 | 2,233 |
| Average equity | $31,758,000 | 2,081 |
| Average total loans | $165,946,500 | 2,579 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2391% | 3,765 |
| Cost of funding earning assets | 1.3405% | 4,249 |
| Net interest margin | 3.8986% | 3,455 |
| Noninterest income to average assets | 1.1126% | 1,063 |
| Noninterest expense to average assets | 2.5541% | 5,510 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.0483% | 308 |
| Return on assets (ROA) | 2.1364% | 281 |
| Pretax return on assets | 2.1660% | 433 |
| Return on Equity (ROE) | 19.6317% | 350 |
| Retained earnings to average equity (ytd only) | 6.3285% | 2,153 |
| Net charge-offs to loans | 0.0488% | 5,703 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 73.4878% | 431 |
| Efficiency ratio | 55.1503% | 6,741 |
| Assets per employee ($millions) | 3.7440% | 4,361 |
| Cash dividends to net income (ytd only)* | 67.7638% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8925% | 2,433 |
| Loan loss allowance to noncurrent loans | 170.4981% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.9421% | 5,248 |
| Noncurrent loans to loans | 1.1100% | 5,104 |
| Net loans and leases to total assets | 56.0129% | 5,704 |
| Net loans and leases to deposits | 66.6047% | 5,734 |
| Net loans and leases to core deposits | 72.8643% | 5,575 |
| Total domestic deposits to total assets | 84.0976% | 4,071 |
| Equity capital to assets | 11.2342% | 2,658 |
| Core capital (leverage) ratio | 9.4885% | 3,838 |
| Tier 1 risk-based capital ratio | 15.5183% | 2,886 |
| Total risk-based capital ratio | 16.7747% | 2,853 |
| Memoranda: | ||
| Average total assets | $290,120,330 | 2,264 |
| Average earning assets | $261,837,670 | 2,287 |
| Average equity | $31,571,330 | 2,093 |
| Average total loans | $168,171,000 | 2,577 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2403% | 3,830 |
| Cost of funding earning assets | 1.3845% | 4,277 |
| Net interest margin | 3.8558% | 3,533 |
| Noninterest income to average assets | 0.4508% | 4,457 |
| Noninterest expense to average assets | 2.6155% | 5,288 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2698% | 1,362 |
| Return on assets (ROA) | 1.3991% | 1,147 |
| Pretax return on assets | 1.4404% | 1,668 |
| Return on Equity (ROE) | 13.0666% | 1,237 |
| Retained earnings to average equity (ytd only) | 0.2310% | 5,733 |
| Net charge-offs to loans | 0.0894% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 25.0263% | 991 |
| Efficiency ratio | 66.6783% | 4,977 |
| Assets per employee ($millions) | 3.8402% | 4,224 |
| Cash dividends to net income (ytd only)* | 98.2318% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 2,548 |
| Loan loss allowance to noncurrent loans | 162.3113% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 2.0047% | 3,501 |
| Noncurrent loans to loans | 1.1459% | 5,081 |
| Net loans and leases to total assets | 56.3702% | 5,692 |
| Net loans and leases to deposits | 66.7959% | 5,735 |
| Net loans and leases to core deposits | 74.8585% | 5,404 |
| Total domestic deposits to total assets | 84.3917% | 3,958 |
| Equity capital to assets | 10.6655% | 3,074 |
| Core capital (leverage) ratio | 9.1852% | 4,251 |
| Tier 1 risk-based capital ratio | 14.3453% | 3,470 |
| Total risk-based capital ratio | 15.6007% | 3,426 |
| Memoranda: | ||
| Average total assets | $291,036,000 | 2,309 |
| Average earning assets | $262,044,500 | 2,340 |
| Average equity | $31,163,500 | 2,133 |
| Average total loans | $169,959,500 | 2,606 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8033% | 2,639 |
| Cost of funding earning assets | 1.5923% | 5,058 |
| Net interest margin | 4.2110% | 2,027 |
| Noninterest income to average assets | 0.4430% | 4,857 |
| Noninterest expense to average assets | 2.6421% | 5,623 |
| Loan and lease loss provision to assets | 0.0559% | 7,006 |
| Net operating income to assets | 1.5604% | 597 |
| Return on assets (ROA) | 1.6050% | 578 |
| Pretax return on assets | 1.6033% | 958 |
| Return on Equity (ROE) | 15.1715% | 649 |
| Retained earnings to average equity (ytd only) | 3.9529% | 2,434 |
| Net charge-offs to loans | 0.5105% | 3,738 |
| Credit loss provision to net charge-offs | 16.9312% | 6,948 |
| Earnings coverage of net charge-offs (x) | 4.8942% | 2,766 |
| Efficiency ratio | 62.0715% | 6,146 |
| Assets per employee ($millions) | 3.7690% | 4,358 |
| Cash dividends to net income (ytd only)* | 73.9452% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8319% | 2,443 |
| Loan loss allowance to noncurrent loans | 102.4010% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 2.4199% | 2,873 |
| Noncurrent loans to loans | 1.7889% | 3,959 |
| Net loans and leases to total assets | 58.2756% | 5,615 |
| Net loans and leases to deposits | 68.1408% | 5,806 |
| Net loans and leases to core deposits | 87.9672% | 5,332 |
| Total domestic deposits to total assets | 85.5224% | 3,278 |
| Equity capital to assets | 10.7503% | 2,925 |
| Core capital (leverage) ratio | 9.1314% | 4,227 |
| Tier 1 risk-based capital ratio | 14.0049% | 3,495 |
| Total risk-based capital ratio | 15.2599% | 3,449 |
| Memoranda: | ||
| Average total assets | $286,472,400 | 2,298 |
| Average earning assets | $259,440,400 | 2,334 |
| Average equity | $30,306,800 | 2,205 |
| Average total loans | $185,095,000 | 2,457 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8608% | 2,624 |
| Cost of funding earning assets | 1.6206% | 5,306 |
| Net interest margin | 4.2403% | 1,908 |
| Noninterest income to average assets | 0.3904% | 5,381 |
| Noninterest expense to average assets | 2.6714% | 5,451 |
| Loan and lease loss provision to assets | 0.0747% | 6,608 |
| Net operating income to assets | 1.5026% | 808 |
| Return on assets (ROA) | 1.5610% | 772 |
| Pretax return on assets | 1.5512% | 1,277 |
| Return on Equity (ROE) | 14.8160% | 798 |
| Retained earnings to average equity (ytd only) | 4.1793% | 2,942 |
| Net charge-offs to loans | 0.5622% | 2,997 |
| Credit loss provision to net charge-offs | 20.1511% | 6,572 |
| Earnings coverage of net charge-offs (x) | 4.2280% | 3,206 |
| Efficiency ratio | 63.0205% | 5,920 |
| Assets per employee ($millions) | 3.7501% | 4,311 |
| Cash dividends to net income (ytd only)* | 71.7918% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8159% | 2,229 |
| Loan loss allowance to noncurrent loans | 106.0616% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 2.6961% | 2,585 |
| Noncurrent loans to loans | 1.7121% | 4,072 |
| Net loans and leases to total assets | 62.7367% | 5,115 |
| Net loans and leases to deposits | 73.6835% | 5,409 |
| Net loans and leases to core deposits | 96.3648% | 4,768 |
| Total domestic deposits to total assets | 85.1435% | 3,154 |
| Equity capital to assets | 10.9152% | 3,098 |
| Core capital (leverage) ratio | 9.2865% | 4,207 |
| Tier 1 risk-based capital ratio | 13.6375% | 3,759 |
| Total risk-based capital ratio | 14.8934% | 3,696 |
| Memoranda: | ||
| Average total assets | $285,537,000 | 2,321 |
| Average earning assets | $259,160,500 | 2,346 |
| Average equity | $30,083,750 | 2,247 |
| Average total loans | $188,298,750 | 2,448 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9208% | 2,494 |
| Cost of funding earning assets | 1.6257% | 5,633 |
| Net interest margin | 4.2950% | 1,671 |
| Noninterest income to average assets | 0.3843% | 5,425 |
| Noninterest expense to average assets | 2.6502% | 5,559 |
| Loan and lease loss provision to assets | 0.0840% | 6,338 |
| Net operating income to assets | 1.5792% | 713 |
| Return on assets (ROA) | 1.6667% | 658 |
| Pretax return on assets | 1.6415% | 1,126 |
| Return on Equity (ROE) | 16.0110% | 693 |
| Retained earnings to average equity (ytd only) | 6.5967% | 1,748 |
| Net charge-offs to loans | 0.6178% | 2,488 |
| Credit loss provision to net charge-offs | 20.4082% | 6,123 |
| Earnings coverage of net charge-offs (x) | 3.9796% | 3,252 |
| Efficiency ratio | 61.8022% | 6,274 |
| Assets per employee ($millions) | 3.7026% | 4,322 |
| Cash dividends to net income (ytd only)* | 58.7988% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8496% | 1,915 |
| Loan loss allowance to noncurrent loans | 150.4114% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 2.5409% | 2,533 |
| Noncurrent loans to loans | 1.2297% | 4,753 |
| Net loans and leases to total assets | 65.4954% | 4,666 |
| Net loans and leases to deposits | 77.5905% | 4,935 |
| Net loans and leases to core deposits | 102.3377% | 4,257 |
| Total domestic deposits to total assets | 84.4115% | 3,549 |
| Equity capital to assets | 10.6776% | 3,222 |
| Core capital (leverage) ratio | 9.2835% | 4,190 |
| Tier 1 risk-based capital ratio | 13.2914% | 3,941 |
| Total risk-based capital ratio | 14.5475% | 3,860 |
| Memoranda: | ||
| Average total assets | $285,713,670 | 2,343 |
| Average earning assets | $259,695,670 | 2,354 |
| Average equity | $29,742,000 | 2,284 |
| Average total loans | $190,361,330 | 2,455 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8519% | 3,031 |
| Cost of funding earning assets | 1.6098% | 5,990 |
| Net interest margin | 4.2421% | 1,769 |
| Noninterest income to average assets | 0.3682% | 5,479 |
| Noninterest expense to average assets | 2.6011% | 5,442 |
| Loan and lease loss provision to assets | 0.0834% | 5,890 |
| Net operating income to assets | 1.6271% | 751 |
| Return on assets (ROA) | 1.6243% | 826 |
| Pretax return on assets | 1.5548% | 1,524 |
| Return on Equity (ROE) | 15.8026% | 852 |
| Retained earnings to average equity (ytd only) | 3.6364% | 3,876 |
| Net charge-offs to loans | 0.8745% | 1,496 |
| Credit loss provision to net charge-offs | 14.3198% | 5,146 |
| Earnings coverage of net charge-offs (x) | 2.8186% | 3,369 |
| Efficiency ratio | 61.3167% | 6,195 |
| Assets per employee ($millions) | 3.8011% | 4,091 |
| Cash dividends to net income (ytd only)* | 76.9889% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8811% | 1,668 |
| Loan loss allowance to noncurrent loans | 115.9223% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 1.8324% | 3,167 |
| Noncurrent loans to loans | 1.6228% | 3,843 |
| Net loans and leases to total assets | 65.5371% | 4,691 |
| Net loans and leases to deposits | 77.1790% | 5,060 |
| Net loans and leases to core deposits | 98.7537% | 4,668 |
| Total domestic deposits to total assets | 84.9156% | 3,248 |
| Equity capital to assets | 10.5103% | 3,453 |
| Core capital (leverage) ratio | 8.9807% | 4,739 |
| Tier 1 risk-based capital ratio | 12.9000% | 4,249 |
| Total risk-based capital ratio | 14.1567% | 4,171 |
| Memoranda: | ||
| Average total assets | $287,873,500 | 2,347 |
| Average earning assets | $262,890,500 | 2,340 |
| Average equity | $29,590,000 | 2,310 |
| Average total loans | $191,655,500 | 2,452 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3761% | 3,541 |
| Cost of funding earning assets | 2.2162% | 5,525 |
| Net interest margin | 4.1600% | 2,461 |
| Noninterest income to average assets | 0.5088% | 4,551 |
| Noninterest expense to average assets | 2.4927% | 6,036 |
| Loan and lease loss provision to assets | 0.0877% | 6,279 |
| Net operating income to assets | 1.7192% | 653 |
| Return on assets (ROA) | 1.6699% | 686 |
| Pretax return on assets | 1.6895% | 1,166 |
| Return on Equity (ROE) | 16.8024% | 660 |
| Retained earnings to average equity (ytd only) | 2.7998% | 3,439 |
| Net charge-offs to loans | 0.1122% | 5,149 |
| Credit loss provision to net charge-offs | 119.0476% | 4,521 |
| Earnings coverage of net charge-offs (x) | 24.7952% | 1,362 |
| Efficiency ratio | 57.7045% | 6,749 |
| Assets per employee ($millions) | 3.9817% | 3,563 |
| Cash dividends to net income (ytd only)* | 83.3368% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0431% | 1,155 |
| Loan loss allowance to noncurrent loans | 70.1370% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 2.0446% | 2,406 |
| Noncurrent loans to loans | 2.9130% | 1,847 |
| Net loans and leases to total assets | 65.0074% | 5,064 |
| Net loans and leases to deposits | 79.9297% | 5,059 |
| Net loans and leases to core deposits | 98.0037% | 5,041 |
| Total domestic deposits to total assets | 81.3307% | 4,492 |
| Equity capital to assets | 10.0518% | 3,970 |
| Core capital (leverage) ratio | 8.9897% | 4,755 |
| Tier 1 risk-based capital ratio | 12.4942% | 4,441 |
| Total risk-based capital ratio | 13.7531% | 4,336 |
| Memoranda: | ||
| Average total assets | $284,994,200 | 2,286 |
| Average earning assets | $261,082,800 | 2,282 |
| Average equity | $28,323,400 | 2,385 |
| Average total loans | $187,232,600 | 2,429 |