Home > Republic Bank > Performance and Condition Ratios
Republic Bank, Performance and Condition Ratios
| 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 | 2.7084% | 5,643 |
| Cost of funding earning assets | 2.4593% | 3 |
| Net interest margin | 0.2490% | 5,853 |
| Noninterest income to average assets | -0.2843% | 5,845 |
| Noninterest expense to average assets | 4.3836% | 362 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -5.1655% | 5,847 |
| Return on assets (ROA) | -5.1655% | 5,847 |
| Pretax return on assets | -4.5731% | 5,842 |
| Return on Equity (ROE) | -7.6857% | 5,767 |
| Retained earnings to average equity (ytd only) | -7.6857% | 5,510 |
| Net charge-offs to loans | -0.6561% | 5,760 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -2,312.5000% | 5,854 |
| Assets per employee ($millions) | 7.7415% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2483% | 69 |
| Loan loss allowance to noncurrent loans | 12.6811% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 11.8162% | 24 |
| Noncurrent loans to loans | 33.5012% | 1 |
| Net loans and leases to total assets | 33.7725% | 5,476 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 5,864 |
| Equity capital to assets | 72.5731% | 34 |
| Core capital (leverage) ratio | 66.5610% | 35 |
| Tier 1 risk-based capital ratio | 74.5670% | 60 |
| Total risk-based capital ratio | 75.8212% | 59 |
| Memoranda: | ||
| Average total assets | $33,762,500 | 5,611 |
| Average earning assets | $12,849,000 | 5,819 |
| Average equity | $22,691,500 | 2,926 |
| Average total loans | $12,802,500 | 5,660 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9091% | 727 |
| Cost of funding earning assets | 1.5045% | 18 |
| Net interest margin | 3.4045% | 3,812 |
| Noninterest income to average assets | -1.0092% | 5,908 |
| Noninterest expense to average assets | 3.1846% | 1,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -1.6968% | 5,875 |
| Return on assets (ROA) | -1.7031% | 5,874 |
| Pretax return on assets | -1.4950% | 5,860 |
| Return on Equity (ROE) | -6.4698% | 5,806 |
| Retained earnings to average equity (ytd only) | -21.2551% | 5,861 |
| Net charge-offs to loans | 3.1303% | 37 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -0.6352% | 4,164 |
| Efficiency ratio | 187.7914% | 17 |
| Assets per employee ($millions) | 7.3118% | 795 |
| Cash dividends to net income (ytd only)* | -228.5278% | 5,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0239% | 171 |
| Loan loss allowance to noncurrent loans | 11.7274% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 10.3559% | 33 |
| Noncurrent loans to loans | 25.7849% | 1 |
| Net loans and leases to total assets | 38.9480% | 5,361 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 5,922 |
| Equity capital to assets | 62.6658% | 34 |
| Core capital (leverage) ratio | 32.7286% | 58 |
| Tier 1 risk-based capital ratio | 60.5860% | 79 |
| Total risk-based capital ratio | 61.7602% | 79 |
| Memoranda: | ||
| Average total assets | $96,120,200 | 4,425 |
| Average earning assets | $76,368,400 | 4,664 |
| Average equity | $25,302,200 | 2,689 |
| Average total loans | $71,973,200 | 3,998 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7470% | 988 |
| Cost of funding earning assets | 1.4290% | 22 |
| Net interest margin | 3.3180% | 4,133 |
| Noninterest income to average assets | -0.3771% | 5,974 |
| Noninterest expense to average assets | 2.6075% | 3,636 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.4180% | 5,841 |
| Return on assets (ROA) | -0.4252% | 5,853 |
| Pretax return on assets | -0.2450% | 5,805 |
| Return on Equity (ROE) | -1.8223% | 5,808 |
| Retained earnings to average equity (ytd only) | -21.0803% | 5,920 |
| Net charge-offs to loans | 2.8815% | 40 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -0.1062% | 3,826 |
| Efficiency ratio | 110.0355% | 121 |
| Assets per employee ($millions) | 16.6908% | 61 |
| Cash dividends to net income (ytd only)* | -1,056.7766% | 5,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 2,004 |
| Loan loss allowance to noncurrent loans | 15.0425% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 6.6276% | 83 |
| Noncurrent loans to loans | 9.5951% | 40 |
| Net loans and leases to total assets | 68.0758% | 2,792 |
| Net loans and leases to deposits | 121.8018% | 96 |
| Net loans and leases to core deposits | 349.3114% | 24 |
| Total domestic deposits to total assets | 55.8907% | 5,915 |
| Equity capital to assets | 28.9896% | 67 |
| Core capital (leverage) ratio | 24.8715% | 103 |
| Tier 1 risk-based capital ratio | 28.2167% | 570 |
| Total risk-based capital ratio | 29.1871% | 575 |
| Memoranda: | ||
| Average total assets | $111,010,500 | 4,171 |
| Average earning assets | $91,900,750 | 4,384 |
| Average equity | $25,900,250 | 2,669 |
| Average total loans | $86,295,750 | 3,674 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7892% | 904 |
| Cost of funding earning assets | 1.5041% | 16 |
| Net interest margin | 3.2851% | 4,276 |
| Noninterest income to average assets | 0.1015% | 5,772 |
| Noninterest expense to average assets | 2.4793% | 4,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2360% | 5,460 |
| Return on assets (ROA) | 0.2296% | 5,534 |
| Pretax return on assets | 0.3960% | 5,350 |
| Return on Equity (ROE) | 1.0427% | 5,683 |
| Retained earnings to average equity (ytd only) | -27.2240% | 5,998 |
| Net charge-offs to loans | 4.2777% | 29 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.1190% | 3,549 |
| Efficiency ratio | 85.9285% | 890 |
| Assets per employee ($millions) | 20.7838% | 42 |
| Cash dividends to net income (ytd only)* | 2,710.8696% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 5,105 |
| Loan loss allowance to noncurrent loans | 14.4226% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 4.3168% | 189 |
| Noncurrent loans to loans | 5.9523% | 125 |
| Net loans and leases to total assets | 71.9012% | 2,190 |
| Net loans and leases to deposits | 95.0672% | 1,178 |
| Net loans and leases to core deposits | 379.3420% | 21 |
| Total domestic deposits to total assets | 75.6320% | 5,336 |
| Equity capital to assets | 23.7541% | 118 |
| Core capital (leverage) ratio | 20.8182% | 168 |
| Tier 1 risk-based capital ratio | 23.8558% | 917 |
| Total risk-based capital ratio | 24.4810% | 969 |
| Memoranda: | ||
| Average total assets | $120,196,000 | 4,040 |
| Average earning assets | $101,853,330 | 4,228 |
| Average equity | $26,469,330 | 2,633 |
| Average total loans | $95,846,330 | 3,485 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8242% | 807 |
| Cost of funding earning assets | 1.7311% | 7 |
| Net interest margin | 3.0931% | 4,881 |
| Noninterest income to average assets | 0.1901% | 5,368 |
| Noninterest expense to average assets | 2.2660% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4582% | 4,796 |
| Return on assets (ROA) | 0.4582% | 4,878 |
| Pretax return on assets | 0.6140% | 4,775 |
| Return on Equity (ROE) | 2.1490% | 5,476 |
| Retained earnings to average equity (ytd only) | -27.0892% | 6,010 |
| Net charge-offs to loans | 0.4751% | 469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.5635% | 2,804 |
| Efficiency ratio | 78.6797% | 1,802 |
| Assets per employee ($millions) | 24.8840% | 38 |
| Cash dividends to net income (ytd only)* | 1,360.5442% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4894% | 392 |
| Loan loss allowance to noncurrent loans | 19.2555% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 10.7314% | 48 |
| Noncurrent loans to loans | 12.9285% | 22 |
| Net loans and leases to total assets | 80.9396% | 692 |
| Net loans and leases to deposits | 103.2448% | 448 |
| Net loans and leases to core deposits | 471.3109% | 17 |
| Total domestic deposits to total assets | 78.3958% | 5,077 |
| Equity capital to assets | 21.2466% | 172 |
| Core capital (leverage) ratio | 20.2136% | 188 |
| Tier 1 risk-based capital ratio | 20.2463% | 1,449 |
| Total risk-based capital ratio | 21.5054% | 1,423 |
| Memoranda: | ||
| Average total assets | $128,334,500 | 3,942 |
| Average earning assets | $111,604,500 | 4,057 |
| Average equity | $27,361,500 | 2,573 |
| Average total loans | $106,086,500 | 3,314 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1520% | 469 |
| Cost of funding earning assets | 2.2617% | 5 |
| Net interest margin | 2.8904% | 5,349 |
| Noninterest income to average assets | 0.5427% | 3,057 |
| Noninterest expense to average assets | 1.6934% | 5,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2538% | 1,379 |
| Return on assets (ROA) | 1.2538% | 1,433 |
| Pretax return on assets | 1.4782% | 1,625 |
| Return on Equity (ROE) | 7.6678% | 3,153 |
| Retained earnings to average equity (ytd only) | -32.5680% | 6,152 |
| Net charge-offs to loans | 0.7307% | 324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.4497% | 3,907 |
| Efficiency ratio | 53.3934% | 5,560 |
| Assets per employee ($millions) | 26.4498% | 36 |
| Cash dividends to net income (ytd only)* | 524.7356% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4767% | 409 |
| Loan loss allowance to noncurrent loans | 27.5401% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 7.4050% | 91 |
| Noncurrent loans to loans | 8.9929% | 56 |
| Net loans and leases to total assets | 80.3031% | 799 |
| Net loans and leases to deposits | 104.9189% | 398 |
| Net loans and leases to core deposits | 493.2881% | 17 |
| Total domestic deposits to total assets | 76.5382% | 5,386 |
| Equity capital to assets | 21.3900% | 163 |
| Core capital (leverage) ratio | 19.4019% | 221 |
| Tier 1 risk-based capital ratio | 20.9347% | 1,312 |
| Total risk-based capital ratio | 22.1935% | 1,288 |
| Memoranda: | ||
| Average total assets | $196,051,400 | 2,984 |
| Average earning assets | $178,317,400 | 3,014 |
| Average equity | $32,056,000 | 2,195 |
| Average total loans | $161,899,600 | 2,447 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2618% | 395 |
| Cost of funding earning assets | 2.2933% | 4 |
| Net interest margin | 2.9685% | 5,272 |
| Noninterest income to average assets | 0.5396% | 3,108 |
| Noninterest expense to average assets | 1.5855% | 5,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4710% | 967 |
| Return on assets (ROA) | 1.4710% | 1,003 |
| Pretax return on assets | 1.6723% | 1,180 |
| Return on Equity (ROE) | 9.4508% | 2,329 |
| Retained earnings to average equity (ytd only) | -42.6641% | 6,246 |
| Net charge-offs to loans | 1.0193% | 184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.9858% | 3,751 |
| Efficiency ratio | 48.6680% | 5,840 |
| Assets per employee ($millions) | 30.5486% | 30 |
| Cash dividends to net income (ytd only)* | 551.4319% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9786% | 940 |
| Loan loss allowance to noncurrent loans | 32.4438% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 5.1276% | 189 |
| Noncurrent loans to loans | 6.0984% | 134 |
| Net loans and leases to total assets | 82.4169% | 534 |
| Net loans and leases to deposits | 102.4271% | 523 |
| Net loans and leases to core deposits | 586.6897% | 17 |
| Total domestic deposits to total assets | 80.4639% | 4,614 |
| Equity capital to assets | 18.4421% | 310 |
| Core capital (leverage) ratio | 15.8894% | 503 |
| Tier 1 risk-based capital ratio | 18.3413% | 1,944 |
| Total risk-based capital ratio | 19.5960% | 1,902 |
| Memoranda: | ||
| Average total assets | $212,002,000 | 2,843 |
| Average earning assets | $194,123,250 | 2,867 |
| Average equity | $32,998,000 | 2,163 |
| Average total loans | $175,150,250 | 2,304 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2759% | 376 |
| Cost of funding earning assets | 2.3139% | 4 |
| Net interest margin | 2.9620% | 5,313 |
| Noninterest income to average assets | 0.7456% | 2,017 |
| Noninterest expense to average assets | 1.5232% | 6,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7795% | 537 |
| Return on assets (ROA) | 1.7795% | 564 |
| Pretax return on assets | 1.9521% | 655 |
| Return on Equity (ROE) | 11.9164% | 1,391 |
| Retained earnings to average equity (ytd only) | -51.0638% | 6,324 |
| Net charge-offs to loans | 1.2269% | 150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.9333% | 3,427 |
| Efficiency ratio | 43.8292% | 6,117 |
| Assets per employee ($millions) | 38.0878% | 29 |
| Cash dividends to net income (ytd only)* | 528.5160% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 1,744 |
| Loan loss allowance to noncurrent loans | 36.4492% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 3.9041% | 344 |
| Noncurrent loans to loans | 4.5263% | 297 |
| Net loans and leases to total assets | 84.8324% | 308 |
| Net loans and leases to deposits | 101.1470% | 586 |
| Net loans and leases to core deposits | 595.0204% | 17 |
| Total domestic deposits to total assets | 83.8704% | 3,627 |
| Equity capital to assets | 15.6969% | 567 |
| Core capital (leverage) ratio | 14.2796% | 766 |
| Tier 1 risk-based capital ratio | 15.8669% | 2,922 |
| Total risk-based capital ratio | 17.1190% | 2,878 |
| Memoranda: | ||
| Average total assets | $231,755,000 | 2,690 |
| Average earning assets | $213,575,000 | 2,680 |
| Average equity | $34,607,670 | 2,083 |
| Average total loans | $190,724,670 | 2,177 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6298% | 215 |
| Cost of funding earning assets | 2.4536% | 2 |
| Net interest margin | 3.1762% | 4,689 |
| Noninterest income to average assets | 0.8700% | 1,496 |
| Noninterest expense to average assets | 1.5071% | 6,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.1758% | 239 |
| Return on assets (ROA) | 2.1758% | 259 |
| Pretax return on assets | 2.3026% | 325 |
| Return on Equity (ROE) | 14.8573% | 732 |
| Retained earnings to average equity (ytd only) | -38.1550% | 6,369 |
| Net charge-offs to loans | 2.4201% | 67 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.1775% | 2,958 |
| Efficiency ratio | 39.5591% | 6,275 |
| Assets per employee ($millions) | 37.8370% | 29 |
| Cash dividends to net income (ytd only)* | 356.8099% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 2,890 |
| Loan loss allowance to noncurrent loans | 38.3812% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 3.0367% | 620 |
| Noncurrent loans to loans | 3.6610% | 502 |
| Net loans and leases to total assets | 81.7815% | 486 |
| Net loans and leases to deposits | 97.3663% | 738 |
| Net loans and leases to core deposits | 709.1208% | 18 |
| Total domestic deposits to total assets | 83.9936% | 3,819 |
| Equity capital to assets | 15.5060% | 621 |
| Core capital (leverage) ratio | 13.6431% | 923 |
| Tier 1 risk-based capital ratio | 16.5991% | 2,639 |
| Total risk-based capital ratio | 17.8468% | 2,592 |
| Memoranda: | ||
| Average total assets | $252,413,000 | 2,542 |
| Average earning assets | $233,614,000 | 2,524 |
| Average equity | $36,965,000 | 1,967 |
| Average total loans | $203,955,000 | 2,059 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3271% | 106 |
| Cost of funding earning assets | 2.3599% | 3 |
| Net interest margin | 3.9673% | 1,989 |
| Noninterest income to average assets | 0.1377% | 6,006 |
| Noninterest expense to average assets | 0.8454% | 6,464 |
| Loan and lease loss provision to assets | -0.2302% | 6,320 |
| Net operating income to assets | 3.1018% | 86 |
| Return on assets (ROA) | 3.1271% | 85 |
| Pretax return on assets | 3.2817% | 91 |
| Return on Equity (ROE) | 23.2170% | 145 |
| Retained earnings to average equity (ytd only) | -55.9832% | 6,488 |
| Net charge-offs to loans | 0.7122% | 520 |
| Credit loss provision to net charge-offs | -37.0651% | 5,392 |
| Earnings coverage of net charge-offs (x) | 4.8693% | 3,546 |
| Efficiency ratio | 21.8428% | 6,488 |
| Assets per employee ($millions) | 46.3007% | 25 |
| Cash dividends to net income (ytd only)* | 341.1306% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7668% | 1,609 |
| Loan loss allowance to noncurrent loans | 72.5641% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.9247% | 1,337 |
| Noncurrent loans to loans | 2.4349% | 1,060 |
| Net loans and leases to total assets | 77.6526% | 1,049 |
| Net loans and leases to deposits | 93.0225% | 1,181 |
| Net loans and leases to core deposits | 841.5136% | 15 |
| Total domestic deposits to total assets | 83.4772% | 3,921 |
| Equity capital to assets | 13.9408% | 974 |
| Core capital (leverage) ratio | 13.1813% | 1,067 |
| Tier 1 risk-based capital ratio | 16.0474% | 2,934 |
| Total risk-based capital ratio | 17.3017% | 2,874 |
| Memoranda: | ||
| Average total assets | $360,914,200 | 1,804 |
| Average earning assets | $339,554,000 | 1,761 |
| Average equity | $48,611,000 | 1,482 |
| Average total loans | $314,799,400 | 1,373 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4505% | 95 |
| Cost of funding earning assets | 2.3265% | 3 |
| Net interest margin | 4.1240% | 1,504 |
| Noninterest income to average assets | 0.0950% | 6,265 |
| Noninterest expense to average assets | 0.8087% | 6,551 |
| Loan and lease loss provision to assets | -0.3493% | 6,491 |
| Net operating income to assets | 3.3540% | 77 |
| Return on assets (ROA) | 3.3855% | 75 |
| Pretax return on assets | 3.5543% | 84 |
| Return on Equity (ROE) | 25.2974% | 99 |
| Retained earnings to average equity (ytd only) | -75.1926% | 6,573 |
| Net charge-offs to loans | 0.2371% | 1,627 |
| Credit loss provision to net charge-offs | -166.1130% | 5,526 |
| Earnings coverage of net charge-offs (x) | 15.0830% | 2,081 |
| Efficiency ratio | 20.3159% | 6,573 |
| Assets per employee ($millions) | 50.8218% | 24 |
| Cash dividends to net income (ytd only)* | 397.2349% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9736% | 1,303 |
| Loan loss allowance to noncurrent loans | 136.7493% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 1.2832% | 2,402 |
| Noncurrent loans to loans | 1.4433% | 2,259 |
| Net loans and leases to total assets | 87.1581% | 146 |
| Net loans and leases to deposits | 99.4339% | 645 |
| Net loans and leases to core deposits | 962.5933% | 15 |
| Total domestic deposits to total assets | 87.6543% | 1,950 |
| Equity capital to assets | 12.1778% | 1,922 |
| Core capital (leverage) ratio | 11.0435% | 2,445 |
| Tier 1 risk-based capital ratio | 12.7856% | 4,984 |
| Total risk-based capital ratio | 14.0430% | 4,892 |
| Memoranda: | ||
| Average total assets | $381,691,750 | 1,731 |
| Average earning assets | $359,611,500 | 1,689 |
| Average equity | $51,081,750 | 1,427 |
| Average total loans | $338,598,750 | 1,298 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4562% | 94 |
| Cost of funding earning assets | 2.2542% | 3 |
| Net interest margin | 4.2020% | 1,238 |
| Noninterest income to average assets | 0.1748% | 5,903 |
| Noninterest expense to average assets | 0.7803% | 6,620 |
| Loan and lease loss provision to assets | -0.4911% | 6,590 |
| Net operating income to assets | 3.7055% | 67 |
| Return on assets (ROA) | 3.7503% | 67 |
| Pretax return on assets | 3.8976% | 76 |
| Return on Equity (ROE) | 27.4066% | 77 |
| Retained earnings to average equity (ytd only) | -86.1065% | 6,643 |
| Net charge-offs to loans | 0.3595% | 1,141 |
| Credit loss provision to net charge-offs | -154.0832% | 5,349 |
| Earnings coverage of net charge-offs (x) | 10.5424% | 2,240 |
| Efficiency ratio | 18.8471% | 6,642 |
| Assets per employee ($millions) | 59.5457% | 21 |
| Cash dividends to net income (ytd only)* | 414.1810% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7022% | 2,129 |
| Loan loss allowance to noncurrent loans | 157.5758% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.9421% | 3,181 |
| Noncurrent loans to loans | 1.0803% | 3,071 |
| Net loans and leases to total assets | 85.7289% | 191 |
| Net loans and leases to deposits | 97.3069% | 716 |
| Net loans and leases to core deposits | 959.2753% | 16 |
| Total domestic deposits to total assets | 88.1016% | 1,846 |
| Equity capital to assets | 11.7411% | 2,213 |
| Core capital (leverage) ratio | 11.0125% | 2,419 |
| Tier 1 risk-based capital ratio | 12.5499% | 5,194 |
| Total risk-based capital ratio | 13.8040% | 5,119 |
| Memoranda: | ||
| Average total assets | $407,278,670 | 1,632 |
| Average earning assets | $384,342,000 | 1,599 |
| Average equity | $55,731,000 | 1,302 |
| Average total loans | $361,090,670 | 1,221 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3329% | 103 |
| Cost of funding earning assets | 2.2273% | 4 |
| Net interest margin | 4.1057% | 1,444 |
| Noninterest income to average assets | 0.3572% | 4,528 |
| Noninterest expense to average assets | 0.7477% | 6,703 |
| Loan and lease loss provision to assets | -0.9253% | 6,701 |
| Net operating income to assets | 4.2406% | 59 |
| Return on assets (ROA) | 4.3250% | 58 |
| Pretax return on assets | 4.5100% | 68 |
| Return on Equity (ROE) | 29.8551% | 67 |
| Retained earnings to average equity (ytd only) | -43.6009% | 6,658 |
| Net charge-offs to loans | 0.6998% | 519 |
| Credit loss provision to net charge-offs | -148.1481% | 4,910 |
| Earnings coverage of net charge-offs (x) | 5.5985% | 2,356 |
| Efficiency ratio | 17.6150% | 6,714 |
| Assets per employee ($millions) | 67.4307% | 20 |
| Cash dividends to net income (ytd only)* | 246.0419% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 3,314 |
| Loan loss allowance to noncurrent loans | 140.3350% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.9296% | 3,405 |
| Noncurrent loans to loans | 1.0430% | 3,339 |
| Net loans and leases to total assets | 87.8235% | 85 |
| Net loans and leases to deposits | 103.3096% | 315 |
| Net loans and leases to core deposits | 1,019.2771% | 16 |
| Total domestic deposits to total assets | 85.0100% | 3,862 |
| Equity capital to assets | 14.6116% | 761 |
| Core capital (leverage) ratio | 13.8311% | 878 |
| Tier 1 risk-based capital ratio | 15.4076% | 3,498 |
| Total risk-based capital ratio | 16.6592% | 3,448 |
| Memoranda: | ||
| Average total assets | $432,281,000 | 1,555 |
| Average earning assets | $409,288,500 | 1,508 |
| Average equity | $62,622,500 | 1,168 |
| Average total loans | $385,840,500 | 1,143 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6485% | 84 |
| Cost of funding earning assets | 2.1188% | 8 |
| Net interest margin | 4.5297% | 694 |
| Noninterest income to average assets | -0.1203% | 6,727 |
| Noninterest expense to average assets | 0.5625% | 6,785 |
| Loan and lease loss provision to assets | -0.1766% | 6,576 |
| Net operating income to assets | 3.7653% | 68 |
| Return on assets (ROA) | 4.0170% | 65 |
| Pretax return on assets | 4.0987% | 69 |
| Return on Equity (ROE) | 31.5080% | 65 |
| Retained earnings to average equity (ytd only) | -15.5774% | 6,624 |
| Net charge-offs to loans | -0.0291% | 6,224 |
| Credit loss provision to net charge-offs | 680.2721% | 352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.3058% | 6,800 |
| Assets per employee ($millions) | 76.6630% | 20 |
| Cash dividends to net income (ytd only)* | 149.4394% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6914% | 2,428 |
| Loan loss allowance to noncurrent loans | 182.5413% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.8281% | 3,822 |
| Noncurrent loans to loans | 0.9266% | 3,677 |
| Net loans and leases to total assets | 87.8585% | 92 |
| Net loans and leases to deposits | 104.4353% | 310 |
| Net loans and leases to core deposits | 1,196.0401% | 14 |
| Total domestic deposits to total assets | 84.1273% | 4,114 |
| Equity capital to assets | 14.3766% | 808 |
| Core capital (leverage) ratio | 13.2616% | 1,033 |
| Tier 1 risk-based capital ratio | 15.2075% | 3,540 |
| Total risk-based capital ratio | 16.4618% | 3,487 |
| Memoranda: | ||
| Average total assets | $566,174,600 | 1,166 |
| Average earning assets | $543,474,400 | 1,112 |
| Average equity | $72,181,600 | 986 |
| Average total loans | $504,356,200 | 846 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6932% | 81 |
| Cost of funding earning assets | 2.0638% | 8 |
| Net interest margin | 4.6294% | 586 |
| Noninterest income to average assets | -0.1714% | 6,828 |
| Noninterest expense to average assets | 0.5324% | 6,862 |
| Loan and lease loss provision to assets | -0.2249% | 6,736 |
| Net operating income to assets | 3.7864% | 67 |
| Return on assets (ROA) | 4.0971% | 60 |
| Pretax return on assets | 4.2996% | 68 |
| Return on Equity (ROE) | 32.9531% | 52 |
| Retained earnings to average equity (ytd only) | -26.7511% | 6,790 |
| Net charge-offs to loans | 0.1256% | 3,269 |
| Credit loss provision to net charge-offs | -201.2072% | 5,902 |
| Earnings coverage of net charge-offs (x) | 33.5211% | 1,144 |
| Efficiency ratio | 12.4402% | 6,880 |
| Assets per employee ($millions) | 84.1472% | 21 |
| Cash dividends to net income (ytd only)* | 181.1793% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 3,968 |
| Loan loss allowance to noncurrent loans | 155.5090% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 4,097 |
| Noncurrent loans to loans | 0.8901% | 4,045 |
| Net loans and leases to total assets | 89.0283% | 57 |
| Net loans and leases to deposits | 103.1321% | 326 |
| Net loans and leases to core deposits | 1,058.9916% | 20 |
| Total domestic deposits to total assets | 86.3246% | 3,063 |
| Equity capital to assets | 12.4076% | 1,630 |
| Core capital (leverage) ratio | 11.6660% | 1,905 |
| Tier 1 risk-based capital ratio | 12.9950% | 5,131 |
| Total risk-based capital ratio | 14.2458% | 5,079 |
| Memoranda: | ||
| Average total assets | $592,723,750 | 1,133 |
| Average earning assets | $569,939,750 | 1,077 |
| Average equity | $73,694,750 | 979 |
| Average total loans | $527,674,500 | 798 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6638% | 86 |
| Cost of funding earning assets | 1.9997% | 10 |
| Net interest margin | 4.6641% | 539 |
| Noninterest income to average assets | 0.0592% | 6,643 |
| Noninterest expense to average assets | 0.5148% | 6,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 3.8692% | 69 |
| Return on assets (ROA) | 4.3180% | 53 |
| Pretax return on assets | 4.5109% | 66 |
| Return on Equity (ROE) | 34.7100% | 47 |
| Retained earnings to average equity (ytd only) | -26.0305% | 6,831 |
| Net charge-offs to loans | 0.0446% | 4,055 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 102.2358% | 453 |
| Efficiency ratio | 11.2937% | 6,927 |
| Assets per employee ($millions) | 111.9220% | 18 |
| Cash dividends to net income (ytd only)* | 174.9944% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 3,407 |
| Loan loss allowance to noncurrent loans | 218.2051% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.6292% | 4,659 |
| Noncurrent loans to loans | 0.7050% | 4,523 |
| Net loans and leases to total assets | 87.8714% | 92 |
| Net loans and leases to deposits | 101.9677% | 336 |
| Net loans and leases to core deposits | 1,084.3631% | 19 |
| Total domestic deposits to total assets | 86.1757% | 3,276 |
| Equity capital to assets | 12.0389% | 1,891 |
| Core capital (leverage) ratio | 11.4846% | 1,948 |
| Tier 1 risk-based capital ratio | 12.8212% | 5,279 |
| Total risk-based capital ratio | 14.0738% | 5,205 |
| Memoranda: | ||
| Average total assets | $622,004,000 | 1,076 |
| Average earning assets | $599,990,670 | 1,030 |
| Average equity | $77,378,330 | 935 |
| Average total loans | $551,633,330 | 752 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6663% | 82 |
| Cost of funding earning assets | 1.9346% | 13 |
| Net interest margin | 4.7317% | 451 |
| Noninterest income to average assets | 0.0888% | 6,616 |
| Noninterest expense to average assets | 0.5003% | 6,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 3.9928% | 60 |
| Return on assets (ROA) | 4.3644% | 52 |
| Pretax return on assets | 4.5481% | 68 |
| Return on Equity (ROE) | 34.6046% | 52 |
| Retained earnings to average equity (ytd only) | 34.6046% | 31 |
| Net charge-offs to loans | 0.0589% | 3,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 79.9412% | 467 |
| Efficiency ratio | 10.7331% | 7,005 |
| Assets per employee ($millions) | 101.5787% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 4,088 |
| Loan loss allowance to noncurrent loans | 101.1131% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 1.2529% | 3,476 |
| Noncurrent loans to loans | 1.4144% | 3,445 |
| Net loans and leases to total assets | 87.3121% | 85 |
| Net loans and leases to deposits | 104.1618% | 227 |
| Net loans and leases to core deposits | 1,123.9450% | 19 |
| Total domestic deposits to total assets | 83.8235% | 4,550 |
| Equity capital to assets | 14.0492% | 1,009 |
| Core capital (leverage) ratio | 12.8530% | 1,175 |
| Tier 1 risk-based capital ratio | 14.8096% | 3,962 |
| Total risk-based capital ratio | 16.0609% | 3,934 |
| Memoranda: | ||
| Average total assets | $653,201,000 | 1,040 |
| Average earning assets | $631,238,000 | 980 |
| Average equity | $82,382,000 | 886 |
| Average total loans | $577,740,000 | 725 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9005% | 83 |
| Cost of funding earning assets | 1.9568% | 36 |
| Net interest margin | 4.9438% | 415 |
| Noninterest income to average assets | -0.1945% | 6,957 |
| Noninterest expense to average assets | 0.4729% | 7,043 |
| Loan and lease loss provision to assets | 0.1635% | 3,569 |
| Net operating income to assets | 3.7531% | 69 |
| Return on assets (ROA) | 3.7787% | 69 |
| Pretax return on assets | 4.0020% | 77 |
| Return on Equity (ROE) | 28.1966% | 84 |
| Retained earnings to average equity (ytd only) | -29.6376% | 6,933 |
| Net charge-offs to loans | 0.0401% | 5,359 |
| Credit loss provision to net charge-offs | 452.8302% | 530 |
| Earnings coverage of net charge-offs (x) | 114.5849% | 336 |
| Efficiency ratio | 10.2557% | 7,069 |
| Assets per employee ($millions) | 139.3860% | 16 |
| Cash dividends to net income (ytd only)* | 205.1105% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 4,791 |
| Loan loss allowance to noncurrent loans | 48.0872% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 2.3292% | 2,107 |
| Noncurrent loans to loans | 2.6369% | 2,007 |
| Net loans and leases to total assets | 87.2125% | 103 |
| Net loans and leases to deposits | 100.5740% | 390 |
| Net loans and leases to core deposits | 1,177.4700% | 21 |
| Total domestic deposits to total assets | 86.7147% | 2,983 |
| Equity capital to assets | 11.3552% | 2,578 |
| Core capital (leverage) ratio | 11.0189% | 2,237 |
| Tier 1 risk-based capital ratio | 11.8954% | 5,846 |
| Total risk-based capital ratio | 13.0984% | 5,838 |
| Memoranda: | ||
| Average total assets | $733,766,000 | 906 |
| Average earning assets | $713,264,200 | 841 |
| Average equity | $98,334,400 | 723 |
| Average total loans | $660,740,000 | 622 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9518% | 83 |
| Cost of funding earning assets | 1.9561% | 36 |
| Net interest margin | 4.9958% | 409 |
| Noninterest income to average assets | -0.1235% | 7,038 |
| Noninterest expense to average assets | 0.4757% | 7,156 |
| Loan and lease loss provision to assets | 0.1795% | 3,343 |
| Net operating income to assets | 3.8823% | 66 |
| Return on assets (ROA) | 3.8825% | 69 |
| Pretax return on assets | 4.0820% | 78 |
| Return on Equity (ROE) | 27.9695% | 98 |
| Retained earnings to average equity (ytd only) | -23.5753% | 7,012 |
| Net charge-offs to loans | 0.0198% | 5,391 |
| Credit loss provision to net charge-offs | 1,000.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 237.4600% | 191 |
| Efficiency ratio | 10.0428% | 7,168 |
| Assets per employee ($millions) | 118.7273% | 18 |
| Cash dividends to net income (ytd only)* | 184.2893% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 5,280 |
| Loan loss allowance to noncurrent loans | 46.7935% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 2.3313% | 2,280 |
| Noncurrent loans to loans | 2.5646% | 2,228 |
| Net loans and leases to total assets | 89.8112% | 48 |
| Net loans and leases to deposits | 105.1828% | 255 |
| Net loans and leases to core deposits | 1,498.4963% | 19 |
| Total domestic deposits to total assets | 85.3858% | 3,572 |
| Equity capital to assets | 12.6921% | 1,771 |
| Core capital (leverage) ratio | 12.1741% | 1,547 |
| Tier 1 risk-based capital ratio | 13.0627% | 5,197 |
| Total risk-based capital ratio | 14.2150% | 5,244 |
| Memoranda: | ||
| Average total assets | $742,975,000 | 903 |
| Average earning assets | $722,861,750 | 834 |
| Average equity | $103,133,500 | 691 |
| Average total loans | $672,021,000 | 616 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9308% | 85 |
| Cost of funding earning assets | 1.9875% | 37 |
| Net interest margin | 4.9433% | 437 |
| Noninterest income to average assets | -0.0127% | 7,019 |
| Noninterest expense to average assets | 0.4161% | 7,223 |
| Loan and lease loss provision to assets | 0.2655% | 2,459 |
| Net operating income to assets | 3.9247% | 65 |
| Return on assets (ROA) | 3.9247% | 65 |
| Pretax return on assets | 4.1151% | 78 |
| Return on Equity (ROE) | 27.5301% | 108 |
| Retained earnings to average equity (ytd only) | -7.6201% | 6,748 |
| Net charge-offs to loans | -0.0779% | 6,795 |
| Credit loss provision to net charge-offs | -377.3585% | 6,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.6747% | 7,232 |
| Assets per employee ($millions) | 74.3805% | 22 |
| Cash dividends to net income (ytd only)* | 127.6793% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 5,283 |
| Loan loss allowance to noncurrent loans | 50.4496% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 2.1682% | 2,585 |
| Noncurrent loans to loans | 2.4133% | 2,493 |
| Net loans and leases to total assets | 88.7481% | 64 |
| Net loans and leases to deposits | 105.3723% | 241 |
| Net loans and leases to core deposits | 1,402.4071% | 22 |
| Total domestic deposits to total assets | 84.2234% | 4,224 |
| Equity capital to assets | 14.0143% | 1,091 |
| Core capital (leverage) ratio | 13.7423% | 885 |
| Tier 1 risk-based capital ratio | 14.6509% | 3,996 |
| Total risk-based capital ratio | 15.8168% | 4,018 |
| Memoranda: | ||
| Average total assets | $753,178,670 | 891 |
| Average earning assets | $732,785,330 | 825 |
| Average equity | $107,373,330 | 658 |
| Average total loans | $680,176,670 | 609 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9926% | 89 |
| Cost of funding earning assets | 2.0419% | 39 |
| Net interest margin | 4.9507% | 433 |
| Noninterest income to average assets | 0.1071% | 6,702 |
| Noninterest expense to average assets | 0.4127% | 7,289 |
| Loan and lease loss provision to assets | 0.3167% | 1,978 |
| Net operating income to assets | 4.1089% | 63 |
| Return on assets (ROA) | 4.1089% | 70 |
| Pretax return on assets | 4.1971% | 77 |
| Return on Equity (ROE) | 28.5844% | 116 |
| Retained earnings to average equity (ytd only) | 8.4156% | 1,814 |
| Net charge-offs to loans | -0.0396% | 6,446 |
| Credit loss provision to net charge-offs | -882.3529% | 5,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.3780% | 7,294 |
| Assets per employee ($millions) | 68.2321% | 26 |
| Cash dividends to net income (ytd only)* | 70.5588% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 5,884 |
| Loan loss allowance to noncurrent loans | 41.4686% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 2.4222% | 2,441 |
| Noncurrent loans to loans | 2.6679% | 2,440 |
| Net loans and leases to total assets | 89.7865% | 42 |
| Net loans and leases to deposits | 107.4376% | 178 |
| Net loans and leases to core deposits | 1,347.4127% | 22 |
| Total domestic deposits to total assets | 83.5708% | 4,689 |
| Equity capital to assets | 14.6873% | 810 |
| Core capital (leverage) ratio | 14.2719% | 737 |
| Tier 1 risk-based capital ratio | 15.4182% | 3,489 |
| Total risk-based capital ratio | 16.4883% | 3,562 |
| Memoranda: | ||
| Average total assets | $757,865,500 | 883 |
| Average earning assets | $737,749,500 | 818 |
| Average equity | $108,940,500 | 649 |
| Average total loans | $686,140,500 | 604 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3470% | 76 |
| Cost of funding earning assets | 2.3113% | 42 |
| Net interest margin | 5.0358% | 385 |
| Noninterest income to average assets | -0.0553% | 7,064 |
| Noninterest expense to average assets | 0.6719% | 7,319 |
| Loan and lease loss provision to assets | 0.1375% | 4,899 |
| Net operating income to assets | 3.9097% | 53 |
| Return on assets (ROA) | 3.9287% | 53 |
| Pretax return on assets | 4.0556% | 75 |
| Return on Equity (ROE) | 29.7899% | 46 |
| Retained earnings to average equity (ytd only) | 22.0862% | 36 |
| Net charge-offs to loans | 0.4174% | 3,338 |
| Credit loss provision to net charge-offs | 36.4830% | 5,688 |
| Earnings coverage of net charge-offs (x) | 11.0741% | 1,762 |
| Efficiency ratio | 13.8674% | 7,342 |
| Assets per employee ($millions) | 63.7648% | 28 |
| Cash dividends to net income (ytd only)* | 25.8601% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 6,248 |
| Loan loss allowance to noncurrent loans | 142.9374% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 5,398 |
| Noncurrent loans to loans | 0.6958% | 5,309 |
| Net loans and leases to total assets | 89.3878% | 49 |
| Net loans and leases to deposits | 106.1279% | 244 |
| Net loans and leases to core deposits | 709.4009% | 31 |
| Total domestic deposits to total assets | 84.2265% | 4,225 |
| Equity capital to assets | 14.0680% | 1,037 |
| Core capital (leverage) ratio | 14.1638% | 783 |
| Tier 1 risk-based capital ratio | 14.8244% | 3,745 |
| Total risk-based capital ratio | 15.7823% | 3,926 |
| Memoranda: | ||
| Average total assets | $727,294,400 | 899 |
| Average earning assets | $707,796,400 | 844 |
| Average equity | $95,915,200 | 715 |
| Average total loans | $656,691,600 | 628 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4757% | 71 |
| Cost of funding earning assets | 2.3862% | 40 |
| Net interest margin | 5.0895% | 347 |
| Noninterest income to average assets | -0.0960% | 7,206 |
| Noninterest expense to average assets | 0.6765% | 7,402 |
| Loan and lease loss provision to assets | 0.0743% | 5,519 |
| Net operating income to assets | 3.9476% | 57 |
| Return on assets (ROA) | 3.9567% | 59 |
| Pretax return on assets | 4.1238% | 82 |
| Return on Equity (ROE) | 30.5454% | 51 |
| Retained earnings to average equity (ytd only) | 19.9502% | 78 |
| Net charge-offs to loans | 0.4373% | 2,974 |
| Credit loss provision to net charge-offs | 18.8147% | 5,577 |
| Earnings coverage of net charge-offs (x) | 10.6072% | 1,903 |
| Efficiency ratio | 13.9045% | 7,415 |
| Assets per employee ($millions) | 62.6921% | 29 |
| Cash dividends to net income (ytd only)* | 34.6869% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 6,183 |
| Loan loss allowance to noncurrent loans | 120.9343% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.7569% | 5,264 |
| Noncurrent loans to loans | 0.8409% | 5,195 |
| Net loans and leases to total assets | 89.0907% | 51 |
| Net loans and leases to deposits | 105.0135% | 281 |
| Net loans and leases to core deposits | 1,018.0048% | 26 |
| Total domestic deposits to total assets | 84.8374% | 3,856 |
| Equity capital to assets | 13.3591% | 1,435 |
| Core capital (leverage) ratio | 13.6560% | 995 |
| Tier 1 risk-based capital ratio | 14.1242% | 4,261 |
| Total risk-based capital ratio | 15.1061% | 4,411 |
| Memoranda: | ||
| Average total assets | $717,823,500 | 919 |
| Average earning assets | $699,723,000 | 863 |
| Average equity | $92,982,750 | 740 |
| Average total loans | $648,152,750 | 646 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5412% | 69 |
| Cost of funding earning assets | 2.4519% | 35 |
| Net interest margin | 5.0893% | 341 |
| Noninterest income to average assets | -0.1628% | 7,322 |
| Noninterest expense to average assets | 0.7223% | 7,475 |
| Loan and lease loss provision to assets | 0.0566% | 5,611 |
| Net operating income to assets | 3.8382% | 67 |
| Return on assets (ROA) | 3.8520% | 68 |
| Pretax return on assets | 4.0219% | 94 |
| Return on Equity (ROE) | 30.0718% | 67 |
| Retained earnings to average equity (ytd only) | 18.1594% | 135 |
| Net charge-offs to loans | 0.4714% | 2,693 |
| Credit loss provision to net charge-offs | 13.2890% | 5,213 |
| Earnings coverage of net charge-offs (x) | 9.5369% | 1,913 |
| Efficiency ratio | 15.0911% | 7,487 |
| Assets per employee ($millions) | 59.9205% | 28 |
| Cash dividends to net income (ytd only)* | 39.6133% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 5,877 |
| Loan loss allowance to noncurrent loans | 201.2948% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 5,903 |
| Noncurrent loans to loans | 0.5565% | 5,804 |
| Net loans and leases to total assets | 89.7072% | 44 |
| Net loans and leases to deposits | 105.3970% | 281 |
| Net loans and leases to core deposits | 1,576.3728% | 26 |
| Total domestic deposits to total assets | 85.1136% | 3,829 |
| Equity capital to assets | 13.0676% | 1,487 |
| Core capital (leverage) ratio | 13.3280% | 1,053 |
| Tier 1 risk-based capital ratio | 13.7835% | 4,317 |
| Total risk-based capital ratio | 14.8623% | 4,427 |
| Memoranda: | ||
| Average total assets | $706,329,670 | 937 |
| Average earning assets | $686,895,330 | 886 |
| Average equity | $90,476,670 | 752 |
| Average total loans | $638,497,000 | 668 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6040% | 71 |
| Cost of funding earning assets | 2.4840% | 39 |
| Net interest margin | 5.1200% | 293 |
| Noninterest income to average assets | 0.1051% | 6,884 |
| Noninterest expense to average assets | 0.7435% | 7,533 |
| Loan and lease loss provision to assets | 0.1143% | 4,582 |
| Net operating income to assets | 4.0442% | 73 |
| Return on assets (ROA) | 4.0442% | 77 |
| Pretax return on assets | 4.2156% | 97 |
| Return on Equity (ROE) | 31.9021% | 66 |
| Retained earnings to average equity (ytd only) | 31.6677% | 49 |
| Net charge-offs to loans | 0.7112% | 1,794 |
| Credit loss provision to net charge-offs | 17.8094% | 4,278 |
| Earnings coverage of net charge-offs (x) | 6.7471% | 2,055 |
| Efficiency ratio | 14.6542% | 7,546 |
| Assets per employee ($millions) | 58.5200% | 32 |
| Cash dividends to net income (ytd only)* | 0.7348% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 5,581 |
| Loan loss allowance to noncurrent loans | 203.9523% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 5,891 |
| Noncurrent loans to loans | 0.5933% | 5,839 |
| Net loans and leases to total assets | 89.3851% | 54 |
| Net loans and leases to deposits | 105.1850% | 274 |
| Net loans and leases to core deposits | 1,906.2164% | 25 |
| Total domestic deposits to total assets | 84.9789% | 4,040 |
| Equity capital to assets | 13.1247% | 1,327 |
| Core capital (leverage) ratio | 13.1848% | 1,065 |
| Tier 1 risk-based capital ratio | 13.9727% | 4,090 |
| Total risk-based capital ratio | 15.1383% | 4,125 |
| Memoranda: | ||
| Average total assets | $699,971,500 | 955 |
| Average earning assets | $679,223,000 | 900 |
| Average equity | $88,734,000 | 755 |
| Average total loans | $631,574,000 | 682 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7565% | 66 |
| Cost of funding earning assets | 2.8475% | 40 |
| Net interest margin | 4.9090% | 538 |
| Noninterest income to average assets | -0.1261% | 7,414 |
| Noninterest expense to average assets | 1.1424% | 7,559 |
| Loan and lease loss provision to assets | 0.7892% | 2,074 |
| Net operating income to assets | 2.6962% | 95 |
| Return on assets (ROA) | 2.7036% | 94 |
| Pretax return on assets | 2.7260% | 149 |
| Return on Equity (ROE) | 24.0003% | 117 |
| Retained earnings to average equity (ytd only) | 23.7226% | 29 |
| Net charge-offs to loans | 0.8161% | 2,598 |
| Credit loss provision to net charge-offs | 105.7739% | 4,234 |
| Earnings coverage of net charge-offs (x) | 4.7014% | 2,839 |
| Efficiency ratio | 24.5677% | 7,608 |
| Assets per employee ($millions) | 58.1419% | 28 |
| Cash dividends to net income (ytd only)* | 1.1573% | 3,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 4,646 |
| Loan loss allowance to noncurrent loans | 102.3897% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 1.2055% | 4,614 |
| Noncurrent loans to loans | 1.3398% | 4,479 |
| Net loans and leases to total assets | 88.7411% | 82 |
| Net loans and leases to deposits | 103.3572% | 424 |
| Net loans and leases to core deposits | 7,724.8784% | 17 |
| Total domestic deposits to total assets | 85.8586% | 3,429 |
| Equity capital to assets | 12.2260% | 1,777 |
| Core capital (leverage) ratio | 12.6518% | 1,257 |
| Tier 1 risk-based capital ratio | 13.0250% | 4,582 |
| Total risk-based capital ratio | 14.2758% | 4,540 |
| Memoranda: | ||
| Average total assets | $661,588,400 | 1,003 |
| Average earning assets | $643,680,000 | 941 |
| Average equity | $74,528,200 | 884 |
| Average total loans | $604,827,000 | 734 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7879% | 67 |
| Cost of funding earning assets | 2.9060% | 40 |
| Net interest margin | 4.8819% | 571 |
| Noninterest income to average assets | -0.1248% | 7,555 |
| Noninterest expense to average assets | 1.4114% | 7,588 |
| Loan and lease loss provision to assets | 0.8218% | 1,843 |
| Net operating income to assets | 2.2207% | 231 |
| Return on assets (ROA) | 2.2222% | 246 |
| Pretax return on assets | 2.4061% | 266 |
| Return on Equity (ROE) | 20.1865% | 299 |
| Retained earnings to average equity (ytd only) | 20.1865% | 78 |
| Net charge-offs to loans | 0.9467% | 2,099 |
| Credit loss provision to net charge-offs | 94.5463% | 4,585 |
| Earnings coverage of net charge-offs (x) | 3.7118% | 3,327 |
| Efficiency ratio | 30.4344% | 7,683 |
| Assets per employee ($millions) | 56.7323% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 4,802 |
| Loan loss allowance to noncurrent loans | 99.8766% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 1.1905% | 4,760 |
| Noncurrent loans to loans | 1.3304% | 4,639 |
| Net loans and leases to total assets | 88.3003% | 100 |
| Net loans and leases to deposits | 102.2622% | 521 |
| Net loans and leases to core deposits | 12,695.6072% | 14 |
| Total domestic deposits to total assets | 86.3470% | 2,890 |
| Equity capital to assets | 11.6010% | 2,453 |
| Core capital (leverage) ratio | 11.8005% | 1,763 |
| Tier 1 risk-based capital ratio | 12.3573% | 5,109 |
| Total risk-based capital ratio | 13.6077% | 5,086 |
| Memoranda: | ||
| Average total assets | $652,559,750 | 1,032 |
| Average earning assets | $636,595,000 | 958 |
| Average equity | $71,835,000 | 932 |
| Average total loans | $599,093,500 | 742 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7959% | 75 |
| Cost of funding earning assets | 2.9049% | 47 |
| Net interest margin | 4.8910% | 548 |
| Noninterest income to average assets | -0.1132% | 7,635 |
| Noninterest expense to average assets | 1.1201% | 7,751 |
| Loan and lease loss provision to assets | 1.6522% | 780 |
| Net operating income to assets | 1.6975% | 591 |
| Return on assets (ROA) | 1.6998% | 638 |
| Pretax return on assets | 1.8863% | 757 |
| Return on Equity (ROE) | 15.7399% | 730 |
| Retained earnings to average equity (ytd only) | 15.7399% | 203 |
| Net charge-offs to loans | 1.1234% | 1,685 |
| Credit loss provision to net charge-offs | 158.7866% | 2,479 |
| Earnings coverage of net charge-offs (x) | 3.3984% | 3,342 |
| Efficiency ratio | 24.0566% | 7,779 |
| Assets per employee ($millions) | 55.3695% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6843% | 3,137 |
| Loan loss allowance to noncurrent loans | 87.1339% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.7781% | 3,790 |
| Noncurrent loans to loans | 1.9330% | 3,825 |
| Net loans and leases to total assets | 90.4349% | 64 |
| Net loans and leases to deposits | 104.8462% | 444 |
| Net loans and leases to core deposits | 12,735.9050% | 10 |
| Total domestic deposits to total assets | 86.2548% | 2,945 |
| Equity capital to assets | 11.0154% | 2,846 |
| Core capital (leverage) ratio | 11.4144% | 1,964 |
| Tier 1 risk-based capital ratio | 11.5630% | 5,707 |
| Total risk-based capital ratio | 12.8177% | 5,673 |
| Memoranda: | ||
| Average total assets | $643,150,670 | 1,052 |
| Average earning assets | $627,146,670 | 978 |
| Average equity | $69,454,000 | 959 |
| Average total loans | $595,714,000 | 754 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9068% | 80 |
| Cost of funding earning assets | 2.9174% | 54 |
| Net interest margin | 4.9893% | 424 |
| Noninterest income to average assets | 0.0455% | 7,483 |
| Noninterest expense to average assets | 1.2971% | 7,807 |
| Loan and lease loss provision to assets | 2.0085% | 550 |
| Net operating income to assets | 1.4128% | 1,046 |
| Return on assets (ROA) | 1.4128% | 1,116 |
| Pretax return on assets | 1.6025% | 1,258 |
| Return on Equity (ROE) | 13.2217% | 1,210 |
| Retained earnings to average equity (ytd only) | 13.2217% | 593 |
| Net charge-offs to loans | 1.8198% | 952 |
| Credit loss provision to net charge-offs | 118.7290% | 2,939 |
| Earnings coverage of net charge-offs (x) | 2.1346% | 3,469 |
| Efficiency ratio | 26.4270% | 7,873 |
| Assets per employee ($millions) | 58.1372% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 3,933 |
| Loan loss allowance to noncurrent loans | 76.9191% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.7947% | 3,797 |
| Noncurrent loans to loans | 1.9431% | 3,868 |
| Net loans and leases to total assets | 90.9818% | 52 |
| Net loans and leases to deposits | 107.0208% | 383 |
| Net loans and leases to core deposits | 10,517.6609% | 13 |
| Total domestic deposits to total assets | 85.0132% | 3,674 |
| Equity capital to assets | 10.7692% | 2,980 |
| Core capital (leverage) ratio | 11.0777% | 2,182 |
| Tier 1 risk-based capital ratio | 11.2176% | 5,937 |
| Total risk-based capital ratio | 12.4700% | 5,890 |
| Memoranda: | ||
| Average total assets | $632,509,000 | 1,093 |
| Average earning assets | $616,434,500 | 1,017 |
| Average equity | $67,586,000 | 984 |
| Average total loans | $587,984,000 | 790 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1395% | 72 |
| Cost of funding earning assets | 3.3229% | 86 |
| Net interest margin | 4.8166% | 670 |
| Noninterest income to average assets | 0.0304% | 7,589 |
| Noninterest expense to average assets | 1.1465% | 7,924 |
| Loan and lease loss provision to assets | 2.1031% | 1,005 |
| Net operating income to assets | 1.4622% | 732 |
| Return on assets (ROA) | 1.7294% | 442 |
| Pretax return on assets | 1.7558% | 695 |
| Return on Equity (ROE) | 16.0740% | 548 |
| Retained earnings to average equity (ytd only) | 13.7220% | 131 |
| Net charge-offs to loans | 1.9541% | 1,267 |
| Credit loss provision to net charge-offs | 117.6157% | 4,609 |
| Earnings coverage of net charge-offs (x) | 2.0056% | 4,218 |
| Efficiency ratio | 24.2245% | 7,968 |
| Assets per employee ($millions) | 62.5509% | 33 |
| Cash dividends to net income (ytd only)* | 14.6327% | 3,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 4,112 |
| Loan loss allowance to noncurrent loans | 74.9842% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.7754% | 3,709 |
| Noncurrent loans to loans | 1.8973% | 3,807 |
| Net loans and leases to total assets | 92.2410% | 32 |
| Net loans and leases to deposits | 107.8208% | 467 |
| Net loans and leases to core deposits | 1,179.7653% | 16 |
| Total domestic deposits to total assets | 85.5503% | 3,259 |
| Equity capital to assets | 10.5997% | 3,067 |
| Core capital (leverage) ratio | 11.2060% | 2,098 |
| Tier 1 risk-based capital ratio | 10.9671% | 5,942 |
| Total risk-based capital ratio | 12.2186% | 5,913 |
| Memoranda: | ||
| Average total assets | $566,684,000 | 1,224 |
| Average earning assets | $553,255,600 | 1,139 |
| Average equity | $60,968,000 | 1,090 |
| Average total loans | $518,562,200 | 924 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2550% | 68 |
| Cost of funding earning assets | 3.4374% | 92 |
| Net interest margin | 4.8176% | 661 |
| Noninterest income to average assets | 0.0367% | 7,704 |
| Noninterest expense to average assets | 1.1836% | 7,996 |
| Loan and lease loss provision to assets | 2.2266% | 772 |
| Net operating income to assets | 1.1226% | 1,663 |
| Return on assets (ROA) | 1.1635% | 1,613 |
| Pretax return on assets | 1.3809% | 1,748 |
| Return on Equity (ROE) | 10.7698% | 1,685 |
| Retained earnings to average equity (ytd only) | 7.5637% | 1,283 |
| Net charge-offs to loans | 1.7938% | 1,128 |
| Credit loss provision to net charge-offs | 136.5225% | 3,632 |
| Earnings coverage of net charge-offs (x) | 2.1820% | 4,190 |
| Efficiency ratio | 24.9580% | 8,035 |
| Assets per employee ($millions) | 63.8204% | 32 |
| Cash dividends to net income (ytd only)* | 29.7695% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7389% | 2,483 |
| Loan loss allowance to noncurrent loans | 57.6586% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 2.7200% | 2,555 |
| Noncurrent loans to loans | 3.0158% | 2,508 |
| Net loans and leases to total assets | 88.6209% | 169 |
| Net loans and leases to deposits | 104.6042% | 731 |
| Net loans and leases to core deposits | 944.5611% | 17 |
| Total domestic deposits to total assets | 84.7202% | 3,360 |
| Equity capital to assets | 10.9052% | 3,110 |
| Core capital (leverage) ratio | 10.9012% | 2,477 |
| Tier 1 risk-based capital ratio | 10.9265% | 6,016 |
| Total risk-based capital ratio | 12.1808% | 5,974 |
| Memoranda: | ||
| Average total assets | $551,977,750 | 1,265 |
| Average earning assets | $539,151,500 | 1,183 |
| Average equity | $59,634,500 | 1,128 |
| Average total loans | $501,877,000 | 972 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3518% | 68 |
| Cost of funding earning assets | 3.4951% | 115 |
| Net interest margin | 4.8568% | 592 |
| Noninterest income to average assets | 0.0533% | 7,725 |
| Noninterest expense to average assets | 1.3634% | 8,028 |
| Loan and lease loss provision to assets | 3.1941% | 460 |
| Net operating income to assets | 0.0349% | 5,742 |
| Return on assets (ROA) | 0.0349% | 5,831 |
| Pretax return on assets | 0.2553% | 5,313 |
| Return on Equity (ROE) | 0.3240% | 5,834 |
| Retained earnings to average equity (ytd only) | -4.5674% | 6,233 |
| Net charge-offs to loans | 2.3968% | 743 |
| Credit loss provision to net charge-offs | 146.1513% | 3,165 |
| Earnings coverage of net charge-offs (x) | 1.5783% | 4,356 |
| Efficiency ratio | 28.3294% | 8,113 |
| Assets per employee ($millions) | 62.0219% | 31 |
| Cash dividends to net income (ytd only)* | 1,509.4737% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8185% | 1,996 |
| Loan loss allowance to noncurrent loans | 40.8192% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 4.0763% | 1,437 |
| Noncurrent loans to loans | 4.4550% | 1,450 |
| Net loans and leases to total assets | 89.8366% | 140 |
| Net loans and leases to deposits | 108.0480% | 649 |
| Net loans and leases to core deposits | 827.8689% | 19 |
| Total domestic deposits to total assets | 83.1450% | 4,172 |
| Equity capital to assets | 10.2874% | 3,627 |
| Core capital (leverage) ratio | 10.3245% | 2,974 |
| Tier 1 risk-based capital ratio | 10.4038% | 6,478 |
| Total risk-based capital ratio | 11.6593% | 6,410 |
| Memoranda: | ||
| Average total assets | $544,509,000 | 1,300 |
| Average earning assets | $533,607,670 | 1,214 |
| Average equity | $58,633,330 | 1,154 |
| Average total loans | $496,492,000 | 1,000 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1408% | 78 |
| Cost of funding earning assets | 3.5377% | 134 |
| Net interest margin | 4.6031% | 931 |
| Noninterest income to average assets | 0.0223% | 7,963 |
| Noninterest expense to average assets | 0.7611% | 8,199 |
| Loan and lease loss provision to assets | 1.2275% | 1,056 |
| Net operating income to assets | 2.3234% | 183 |
| Return on assets (ROA) | 2.3234% | 214 |
| Pretax return on assets | 2.5466% | 234 |
| Return on Equity (ROE) | 21.0878% | 357 |
| Retained earnings to average equity (ytd only) | 18.7920% | 205 |
| Net charge-offs to loans | -0.0221% | 7,463 |
| Credit loss provision to net charge-offs | -6,111.1111% | 6,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.7815% | 8,197 |
| Assets per employee ($millions) | 61.5411% | 35 |
| Cash dividends to net income (ytd only)* | 10.8870% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 2,319 |
| Loan loss allowance to noncurrent loans | 47.6160% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 3.1164% | 1,805 |
| Noncurrent loans to loans | 3.4606% | 1,841 |
| Net loans and leases to total assets | 88.5699% | 227 |
| Net loans and leases to deposits | 105.7027% | 893 |
| Net loans and leases to core deposits | 821.9735% | 19 |
| Total domestic deposits to total assets | 83.7915% | 3,808 |
| Equity capital to assets | 10.9096% | 3,056 |
| Core capital (leverage) ratio | 11.4345% | 2,186 |
| Tier 1 risk-based capital ratio | 11.2592% | 5,635 |
| Total risk-based capital ratio | 12.5125% | 5,544 |
| Memoranda: | ||
| Average total assets | $537,665,000 | 1,318 |
| Average earning assets | $527,123,500 | 1,230 |
| Average equity | $59,238,000 | 1,150 |
| Average total loans | $489,361,500 | 1,033 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6449% | 91 |
| Cost of funding earning assets | 4.1586% | 56 |
| Net interest margin | 4.4863% | 1,458 |
| Noninterest income to average assets | 0.0878% | 7,699 |
| Noninterest expense to average assets | 0.9429% | 8,216 |
| Loan and lease loss provision to assets | 1.3239% | 1,070 |
| Net operating income to assets | 2.1397% | 266 |
| Return on assets (ROA) | 2.1397% | 260 |
| Pretax return on assets | 2.2238% | 371 |
| Return on Equity (ROE) | 20.9543% | 307 |
| Retained earnings to average equity (ytd only) | 12.6697% | 188 |
| Net charge-offs to loans | 1.3062% | 912 |
| Credit loss provision to net charge-offs | 109.4951% | 4,915 |
| Earnings coverage of net charge-offs (x) | 2.9342% | 4,616 |
| Efficiency ratio | 20.9963% | 8,257 |
| Assets per employee ($millions) | 65.1825% | 31 |
| Cash dividends to net income (ytd only)* | 39.5362% | 3,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 3,403 |
| Loan loss allowance to noncurrent loans | 47.9584% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 2.6159% | 1,831 |
| Noncurrent loans to loans | 2.8422% | 1,906 |
| Net loans and leases to total assets | 90.7836% | 143 |
| Net loans and leases to deposits | 108.2418% | 954 |
| Net loans and leases to core deposits | 858.6665% | 20 |
| Total domestic deposits to total assets | 83.8711% | 3,386 |
| Equity capital to assets | 11.1324% | 2,940 |
| Core capital (leverage) ratio | 11.1658% | 2,452 |
| Tier 1 risk-based capital ratio | 11.4327% | 5,307 |
| Total risk-based capital ratio | 12.6832% | 5,207 |
| Memoranda: | ||
| Average total assets | $507,817,000 | 1,330 |
| Average earning assets | $498,361,400 | 1,240 |
| Average equity | $51,855,800 | 1,300 |
| Average total loans | $470,051,000 | 1,029 |