Home > Salin Bank and Trust Company > Performance and Condition Ratios
Salin Bank and Trust Company, Performance and Condition Ratios
| 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 | 4.2619% | 3,235 |
| Cost of funding earning assets | 0.5466% | 3,071 |
| Net interest margin | 3.7154% | 2,977 |
| Noninterest income to average assets | 0.8804% | 1,226 |
| Noninterest expense to average assets | 3.2269% | 1,490 |
| Loan and lease loss provision to assets | 0.1331% | 1,641 |
| Net operating income to assets | 1.0260% | 2,903 |
| Return on assets (ROA) | 1.0260% | 2,891 |
| Pretax return on assets | 1.0260% | 3,523 |
| Return on Equity (ROE) | 10.1055% | 2,478 |
| Retained earnings to average equity (ytd only) | 4.4100% | 3,110 |
| Net charge-offs to loans | 0.2169% | 888 |
| Credit loss provision to net charge-offs | 91.1854% | 2,705 |
| Earnings coverage of net charge-offs (x) | 7.9430% | 2,937 |
| Efficiency ratio | 73.5742% | 1,691 |
| Assets per employee ($millions) | 5.6018% | 1,862 |
| Cash dividends to net income (ytd only)* | 56.3601% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 2,372 |
| Loan loss allowance to noncurrent loans | 207.2783% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.4614% | 2,717 |
| Noncurrent loans to loans | 0.5965% | 2,498 |
| Net loans and leases to total assets | 64.2363% | 3,329 |
| Net loans and leases to deposits | 78.7187% | 3,074 |
| Net loans and leases to core deposits | 79.4626% | 3,464 |
| Total domestic deposits to total assets | 81.6024% | 3,757 |
| Equity capital to assets | 10.2235% | 3,447 |
| Core capital (leverage) ratio | 10.5918% | 2,940 |
| Tier 1 risk-based capital ratio | 14.2956% | 3,169 |
| Total risk-based capital ratio | 15.3883% | 3,160 |
| Memoranda: | ||
| Average total assets | $901,880,000 | 845 |
| Average earning assets | $850,950,800 | 829 |
| Average equity | $91,563,600 | 919 |
| Average total loans | $606,840,200 | 886 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 3,277 |
| Cost of funding earning assets | 0.5164% | 3,087 |
| Net interest margin | 3.6956% | 3,038 |
| Noninterest income to average assets | 0.8240% | 1,399 |
| Noninterest expense to average assets | 3.2021% | 1,515 |
| Loan and lease loss provision to assets | 0.1190% | 1,702 |
| Net operating income to assets | 0.9839% | 3,163 |
| Return on assets (ROA) | 0.9839% | 3,171 |
| Pretax return on assets | 0.9839% | 3,770 |
| Return on Equity (ROE) | 9.7087% | 2,747 |
| Retained earnings to average equity (ytd only) | 4.1762% | 3,689 |
| Net charge-offs to loans | 0.0018% | 3,433 |
| Credit loss provision to net charge-offs | 10,000.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 926.4377% | 94 |
| Efficiency ratio | 74.3806% | 1,534 |
| Assets per employee ($millions) | 5.4691% | 1,941 |
| Cash dividends to net income (ytd only)* | 56.9852% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 1,780 |
| Loan loss allowance to noncurrent loans | 167.7257% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.6015% | 2,379 |
| Noncurrent loans to loans | 0.8232% | 2,059 |
| Net loans and leases to total assets | 64.8386% | 3,325 |
| Net loans and leases to deposits | 79.2093% | 3,122 |
| Net loans and leases to core deposits | 80.0095% | 3,496 |
| Total domestic deposits to total assets | 81.8573% | 3,656 |
| Equity capital to assets | 9.8555% | 3,774 |
| Core capital (leverage) ratio | 10.4288% | 3,153 |
| Tier 1 risk-based capital ratio | 14.0692% | 3,337 |
| Total risk-based capital ratio | 15.2912% | 3,258 |
| Memoranda: | ||
| Average total assets | $896,274,250 | 852 |
| Average earning assets | $844,229,000 | 833 |
| Average equity | $90,830,500 | 923 |
| Average total loans | $608,257,500 | 879 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 3,375 |
| Cost of funding earning assets | 0.4802% | 3,157 |
| Net interest margin | 3.6408% | 3,154 |
| Noninterest income to average assets | 0.8130% | 1,437 |
| Noninterest expense to average assets | 3.2357% | 1,461 |
| Loan and lease loss provision to assets | 0.1800% | 1,000 |
| Net operating income to assets | 0.8268% | 3,767 |
| Return on assets (ROA) | 0.8268% | 3,771 |
| Pretax return on assets | 0.8268% | 4,171 |
| Return on Equity (ROE) | 8.0816% | 3,466 |
| Retained earnings to average equity (ytd only) | 2.4944% | 4,260 |
| Net charge-offs to loans | 0.0299% | 2,265 |
| Credit loss provision to net charge-offs | 879.1209% | 463 |
| Earnings coverage of net charge-offs (x) | 49.1648% | 1,139 |
| Efficiency ratio | 76.2690% | 1,395 |
| Assets per employee ($millions) | 5.1924% | 2,199 |
| Cash dividends to net income (ytd only)* | 69.1345% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 1,880 |
| Loan loss allowance to noncurrent loans | 165.4578% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.6274% | 2,337 |
| Noncurrent loans to loans | 0.8246% | 2,076 |
| Net loans and leases to total assets | 66.8465% | 3,038 |
| Net loans and leases to deposits | 82.2987% | 2,739 |
| Net loans and leases to core deposits | 83.0082% | 3,162 |
| Total domestic deposits to total assets | 81.2242% | 3,937 |
| Equity capital to assets | 10.1122% | 3,530 |
| Core capital (leverage) ratio | 10.5858% | 2,940 |
| Tier 1 risk-based capital ratio | 13.7219% | 3,497 |
| Total risk-based capital ratio | 14.9232% | 3,434 |
| Memoranda: | ||
| Average total assets | $888,762,000 | 860 |
| Average earning assets | $837,170,670 | 842 |
| Average equity | $90,923,000 | 922 |
| Average total loans | $609,648,330 | 879 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0103% | 3,569 |
| Cost of funding earning assets | 0.4331% | 3,347 |
| Net interest margin | 3.5771% | 3,260 |
| Noninterest income to average assets | 0.7634% | 1,574 |
| Noninterest expense to average assets | 3.2132% | 1,537 |
| Loan and lease loss provision to assets | 0.2707% | 511 |
| Net operating income to assets | 0.6479% | 4,284 |
| Return on assets (ROA) | 0.6479% | 4,292 |
| Pretax return on assets | 0.6479% | 4,572 |
| Return on Equity (ROE) | 6.2963% | 4,059 |
| Retained earnings to average equity (ytd only) | 0.7059% | 4,683 |
| Net charge-offs to loans | 0.0497% | 1,604 |
| Credit loss provision to net charge-offs | 789.4737% | 419 |
| Earnings coverage of net charge-offs (x) | 26.7895% | 1,315 |
| Efficiency ratio | 77.7681% | 1,375 |
| Assets per employee ($millions) | 5.4179% | 2,014 |
| Cash dividends to net income (ytd only)* | 88.7883% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 2,067 |
| Loan loss allowance to noncurrent loans | 144.6256% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 2,039 |
| Noncurrent loans to loans | 0.9248% | 1,966 |
| Net loans and leases to total assets | 65.8167% | 3,060 |
| Net loans and leases to deposits | 83.0832% | 2,491 |
| Net loans and leases to core deposits | 83.7793% | 3,002 |
| Total domestic deposits to total assets | 79.2178% | 4,543 |
| Equity capital to assets | 9.9368% | 3,656 |
| Core capital (leverage) ratio | 10.5738% | 2,866 |
| Tier 1 risk-based capital ratio | 13.7083% | 3,541 |
| Total risk-based capital ratio | 14.8937% | 3,485 |
| Memoranda: | ||
| Average total assets | $886,594,500 | 867 |
| Average earning assets | $834,855,000 | 852 |
| Average equity | $91,228,500 | 924 |
| Average total loans | $611,841,500 | 882 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9448% | 3,591 |
| Cost of funding earning assets | 0.3479% | 3,735 |
| Net interest margin | 3.5969% | 3,179 |
| Noninterest income to average assets | 1.0162% | 983 |
| Noninterest expense to average assets | 3.2907% | 1,392 |
| Loan and lease loss provision to assets | 0.2545% | 725 |
| Net operating income to assets | 0.8553% | 2,932 |
| Return on assets (ROA) | 0.8645% | 2,914 |
| Pretax return on assets | 0.8645% | 4,031 |
| Return on Equity (ROE) | 7.8523% | 2,863 |
| Retained earnings to average equity (ytd only) | 2.5491% | 3,800 |
| Net charge-offs to loans | 0.8066% | 249 |
| Credit loss provision to net charge-offs | 44.7623% | 3,389 |
| Earnings coverage of net charge-offs (x) | 1.9516% | 3,826 |
| Efficiency ratio | 74.7793% | 1,789 |
| Assets per employee ($millions) | 4.9982% | 2,477 |
| Cash dividends to net income (ytd only)* | 67.5376% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 3,868 |
| Loan loss allowance to noncurrent loans | 109.8967% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.8108% | 1,922 |
| Noncurrent loans to loans | 0.9206% | 1,942 |
| Net loans and leases to total assets | 70.5819% | 2,438 |
| Net loans and leases to deposits | 91.1564% | 1,632 |
| Net loans and leases to core deposits | 91.9697% | 2,382 |
| Total domestic deposits to total assets | 77.4295% | 4,804 |
| Equity capital to assets | 10.8010% | 2,833 |
| Core capital (leverage) ratio | 11.0433% | 2,297 |
| Tier 1 risk-based capital ratio | 13.6568% | 3,542 |
| Total risk-based capital ratio | 14.5625% | 3,647 |
| Memoranda: | ||
| Average total assets | $854,450,600 | 872 |
| Average earning assets | $803,935,000 | 855 |
| Average equity | $94,074,200 | 872 |
| Average total loans | $602,382,000 | 863 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9174% | 3,630 |
| Cost of funding earning assets | 0.3344% | 3,820 |
| Net interest margin | 3.5830% | 3,221 |
| Noninterest income to average assets | 1.0519% | 923 |
| Noninterest expense to average assets | 3.2541% | 1,449 |
| Loan and lease loss provision to assets | 0.0940% | 2,204 |
| Net operating income to assets | 1.0779% | 2,191 |
| Return on assets (ROA) | 1.0903% | 2,187 |
| Pretax return on assets | 1.0903% | 3,338 |
| Return on Equity (ROE) | 9.8550% | 2,189 |
| Retained earnings to average equity (ytd only) | 3.7884% | 3,665 |
| Net charge-offs to loans | 0.6946% | 276 |
| Credit loss provision to net charge-offs | 19.2616% | 3,162 |
| Earnings coverage of net charge-offs (x) | 2.4003% | 3,467 |
| Efficiency ratio | 73.5215% | 1,970 |
| Assets per employee ($millions) | 4.8676% | 2,611 |
| Cash dividends to net income (ytd only)* | 61.5584% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 3,757 |
| Loan loss allowance to noncurrent loans | 82.6026% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.1012% | 1,508 |
| Noncurrent loans to loans | 1.2775% | 1,503 |
| Net loans and leases to total assets | 71.3264% | 2,357 |
| Net loans and leases to deposits | 92.8433% | 1,440 |
| Net loans and leases to core deposits | 93.1231% | 2,337 |
| Total domestic deposits to total assets | 76.8245% | 4,919 |
| Equity capital to assets | 11.3472% | 2,523 |
| Core capital (leverage) ratio | 11.1683% | 2,306 |
| Tier 1 risk-based capital ratio | 13.9776% | 3,448 |
| Total risk-based capital ratio | 14.9263% | 3,529 |
| Memoranda: | ||
| Average total assets | $850,643,250 | 882 |
| Average earning assets | $801,064,500 | 863 |
| Average equity | $94,109,250 | 877 |
| Average total loans | $597,949,750 | 875 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8678% | 3,659 |
| Cost of funding earning assets | 0.3206% | 3,872 |
| Net interest margin | 3.5472% | 3,226 |
| Noninterest income to average assets | 1.0598% | 896 |
| Noninterest expense to average assets | 3.2437% | 1,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1563% | 1,760 |
| Return on assets (ROA) | 1.1563% | 1,801 |
| Pretax return on assets | 1.1563% | 2,953 |
| Return on Equity (ROE) | 10.5411% | 1,814 |
| Retained earnings to average equity (ytd only) | 4.5782% | 2,986 |
| Net charge-offs to loans | 0.0320% | 2,561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 51.8421% | 1,049 |
| Efficiency ratio | 73.7207% | 2,066 |
| Assets per employee ($millions) | 4.8891% | 2,528 |
| Cash dividends to net income (ytd only)* | 56.5685% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 1,728 |
| Loan loss allowance to noncurrent loans | 91.6167% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.3092% | 1,257 |
| Noncurrent loans to loans | 1.5934% | 1,163 |
| Net loans and leases to total assets | 69.9260% | 2,540 |
| Net loans and leases to deposits | 88.6716% | 1,903 |
| Net loans and leases to core deposits | 89.5545% | 2,569 |
| Total domestic deposits to total assets | 78.8595% | 4,651 |
| Equity capital to assets | 11.3077% | 2,489 |
| Core capital (leverage) ratio | 11.1852% | 2,235 |
| Tier 1 risk-based capital ratio | 13.7349% | 3,568 |
| Total risk-based capital ratio | 14.9853% | 3,487 |
| Memoranda: | ||
| Average total assets | $851,869,000 | 887 |
| Average earning assets | $802,155,670 | 868 |
| Average equity | $93,443,330 | 881 |
| Average total loans | $593,748,670 | 888 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 3,610 |
| Cost of funding earning assets | 0.3201% | 3,852 |
| Net interest margin | 3.5223% | 3,188 |
| Noninterest income to average assets | 0.9035% | 1,225 |
| Noninterest expense to average assets | 3.0917% | 1,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1205% | 1,792 |
| Return on assets (ROA) | 1.1205% | 1,828 |
| Pretax return on assets | 1.1205% | 2,903 |
| Return on Equity (ROE) | 10.3757% | 1,789 |
| Retained earnings to average equity (ytd only) | 4.7586% | 3,032 |
| Net charge-offs to loans | 0.0075% | 2,707 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 216.4545% | 260 |
| Efficiency ratio | 73.3996% | 2,342 |
| Assets per employee ($millions) | 4.8219% | 2,663 |
| Cash dividends to net income (ytd only)* | 54.1369% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 1,514 |
| Loan loss allowance to noncurrent loans | 325.2272% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.6822% | 2,587 |
| Noncurrent loans to loans | 0.4761% | 3,384 |
| Net loans and leases to total assets | 68.1980% | 2,650 |
| Net loans and leases to deposits | 85.9434% | 2,040 |
| Net loans and leases to core deposits | 86.9056% | 2,643 |
| Total domestic deposits to total assets | 79.3522% | 4,757 |
| Equity capital to assets | 11.1022% | 2,530 |
| Core capital (leverage) ratio | 10.8062% | 2,593 |
| Tier 1 risk-based capital ratio | 14.1396% | 3,389 |
| Total risk-based capital ratio | 15.3909% | 3,314 |
| Memoranda: | ||
| Average total assets | $850,010,000 | 893 |
| Average earning assets | $798,455,500 | 878 |
| Average equity | $91,791,500 | 891 |
| Average total loans | $587,052,500 | 896 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7577% | 4,031 |
| Cost of funding earning assets | 0.2583% | 4,486 |
| Net interest margin | 3.4994% | 3,432 |
| Noninterest income to average assets | 1.1413% | 873 |
| Noninterest expense to average assets | 3.5231% | 1,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8974% | 2,839 |
| Return on assets (ROA) | 0.8818% | 3,037 |
| Pretax return on assets | 0.8818% | 3,907 |
| Return on Equity (ROE) | 7.8044% | 3,053 |
| Retained earnings to average equity (ytd only) | 4.8403% | 2,451 |
| Net charge-offs to loans | -0.0623% | 5,456 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6997% | 1,454 |
| Assets per employee ($millions) | 4.8914% | 2,513 |
| Cash dividends to net income (ytd only)* | 37.9800% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 1,656 |
| Loan loss allowance to noncurrent loans | 359.4703% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 2,823 |
| Noncurrent loans to loans | 0.4179% | 3,645 |
| Net loans and leases to total assets | 67.8345% | 2,798 |
| Net loans and leases to deposits | 84.9125% | 2,317 |
| Net loans and leases to core deposits | 85.8219% | 2,867 |
| Total domestic deposits to total assets | 79.8876% | 4,596 |
| Equity capital to assets | 10.5070% | 3,146 |
| Core capital (leverage) ratio | 10.8262% | 2,509 |
| Tier 1 risk-based capital ratio | 13.7339% | 3,621 |
| Total risk-based capital ratio | 14.9848% | 3,529 |
| Memoranda: | ||
| Average total assets | $815,158,000 | 890 |
| Average earning assets | $763,863,200 | 881 |
| Average equity | $92,102,400 | 870 |
| Average total loans | $553,903,400 | 896 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7573% | 4,054 |
| Cost of funding earning assets | 0.2366% | 4,734 |
| Net interest margin | 3.5206% | 3,390 |
| Noninterest income to average assets | 1.1489% | 868 |
| Noninterest expense to average assets | 3.5646% | 1,048 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8817% | 3,003 |
| Return on assets (ROA) | 0.8716% | 3,169 |
| Pretax return on assets | 0.8716% | 4,073 |
| Return on Equity (ROE) | 7.5709% | 3,255 |
| Retained earnings to average equity (ytd only) | 4.9617% | 2,853 |
| Net charge-offs to loans | -0.0952% | 5,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1696% | 1,419 |
| Assets per employee ($millions) | 4.7726% | 2,648 |
| Cash dividends to net income (ytd only)* | 34.4644% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 1,733 |
| Loan loss allowance to noncurrent loans | 335.3577% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.6803% | 2,871 |
| Noncurrent loans to loans | 0.4497% | 3,664 |
| Net loans and leases to total assets | 70.3763% | 2,438 |
| Net loans and leases to deposits | 89.2589% | 1,847 |
| Net loans and leases to core deposits | 90.2623% | 2,554 |
| Total domestic deposits to total assets | 78.8452% | 4,757 |
| Equity capital to assets | 11.3254% | 2,679 |
| Core capital (leverage) ratio | 10.9821% | 2,464 |
| Tier 1 risk-based capital ratio | 13.6397% | 3,777 |
| Total risk-based capital ratio | 14.8909% | 3,688 |
| Memoranda: | ||
| Average total assets | $802,501,750 | 902 |
| Average earning assets | $751,629,500 | 886 |
| Average equity | $92,386,000 | 870 |
| Average total loans | $543,314,750 | 904 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7166% | 4,243 |
| Cost of funding earning assets | 0.2113% | 5,028 |
| Net interest margin | 3.5053% | 3,472 |
| Noninterest income to average assets | 1.1465% | 850 |
| Noninterest expense to average assets | 3.6524% | 941 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7764% | 3,420 |
| Return on assets (ROA) | 0.7774% | 3,562 |
| Pretax return on assets | 0.7774% | 4,364 |
| Return on Equity (ROE) | 6.7146% | 3,691 |
| Retained earnings to average equity (ytd only) | 5.1871% | 2,608 |
| Net charge-offs to loans | -0.2048% | 5,815 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4691% | 1,213 |
| Assets per employee ($millions) | 4.5580% | 2,926 |
| Cash dividends to net income (ytd only)* | 22.7494% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6623% | 1,361 |
| Loan loss allowance to noncurrent loans | 334.1000% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.8113% | 2,559 |
| Noncurrent loans to loans | 0.4976% | 3,586 |
| Net loans and leases to total assets | 67.4814% | 2,869 |
| Net loans and leases to deposits | 88.0767% | 1,987 |
| Net loans and leases to core deposits | 88.4104% | 2,692 |
| Total domestic deposits to total assets | 76.6166% | 5,202 |
| Equity capital to assets | 11.6882% | 2,368 |
| Core capital (leverage) ratio | 11.3324% | 2,118 |
| Tier 1 risk-based capital ratio | 14.2862% | 3,443 |
| Total risk-based capital ratio | 15.5387% | 3,363 |
| Memoranda: | ||
| Average total assets | $791,598,000 | 912 |
| Average earning assets | $741,222,330 | 897 |
| Average equity | $91,651,000 | 874 |
| Average total loans | $525,488,670 | 932 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7783% | 4,024 |
| Cost of funding earning assets | 0.2050% | 5,155 |
| Net interest margin | 3.5733% | 3,192 |
| Noninterest income to average assets | 1.1731% | 800 |
| Noninterest expense to average assets | 3.5804% | 1,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9355% | 2,580 |
| Return on assets (ROA) | 0.9355% | 2,689 |
| Pretax return on assets | 0.9355% | 3,709 |
| Return on Equity (ROE) | 8.1197% | 2,843 |
| Retained earnings to average equity (ytd only) | 5.0290% | 2,924 |
| Net charge-offs to loans | -0.4218% | 5,975 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2835% | 1,701 |
| Assets per employee ($millions) | 4.5306% | 3,015 |
| Cash dividends to net income (ytd only)* | 38.0642% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7880% | 1,177 |
| Loan loss allowance to noncurrent loans | 345.4340% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.9352% | 2,373 |
| Noncurrent loans to loans | 0.5176% | 3,634 |
| Net loans and leases to total assets | 64.1530% | 3,218 |
| Net loans and leases to deposits | 81.5301% | 2,602 |
| Net loans and leases to core deposits | 81.8378% | 3,143 |
| Total domestic deposits to total assets | 78.6863% | 5,033 |
| Equity capital to assets | 11.6825% | 2,261 |
| Core capital (leverage) ratio | 11.2988% | 2,139 |
| Tier 1 risk-based capital ratio | 15.2079% | 3,055 |
| Total risk-based capital ratio | 16.4618% | 2,992 |
| Memoranda: | ||
| Average total assets | $786,291,500 | 918 |
| Average earning assets | $735,568,000 | 905 |
| Average equity | $90,594,500 | 880 |
| Average total loans | $512,986,000 | 953 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7573% | 4,172 |
| Cost of funding earning assets | 0.1769% | 5,488 |
| Net interest margin | 3.5804% | 3,206 |
| Noninterest income to average assets | 1.3248% | 686 |
| Noninterest expense to average assets | 3.8175% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8265% | 3,216 |
| Return on assets (ROA) | 0.8437% | 3,207 |
| Pretax return on assets | 0.8437% | 4,046 |
| Return on Equity (ROE) | 7.3223% | 3,349 |
| Retained earnings to average equity (ytd only) | 4.6174% | 2,693 |
| Net charge-offs to loans | -0.1434% | 5,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2023% | 1,385 |
| Assets per employee ($millions) | 4.3580% | 3,292 |
| Cash dividends to net income (ytd only)* | 36.9401% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6757% | 1,405 |
| Loan loss allowance to noncurrent loans | 278.4675% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 1.1076% | 1,981 |
| Noncurrent loans to loans | 0.6018% | 3,369 |
| Net loans and leases to total assets | 64.0701% | 3,267 |
| Net loans and leases to deposits | 81.3074% | 2,675 |
| Net loans and leases to core deposits | 81.6511% | 3,185 |
| Total domestic deposits to total assets | 78.7999% | 5,015 |
| Equity capital to assets | 11.3620% | 2,483 |
| Core capital (leverage) ratio | 11.3515% | 2,085 |
| Tier 1 risk-based capital ratio | 14.9254% | 3,212 |
| Total risk-based capital ratio | 16.1779% | 3,143 |
| Memoranda: | ||
| Average total assets | $770,077,200 | 899 |
| Average earning assets | $713,909,400 | 894 |
| Average equity | $88,729,200 | 858 |
| Average total loans | $509,707,000 | 918 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7834% | 4,146 |
| Cost of funding earning assets | 0.1681% | 5,650 |
| Net interest margin | 3.6154% | 3,098 |
| Noninterest income to average assets | 1.1643% | 883 |
| Noninterest expense to average assets | 3.7785% | 875 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7285% | 3,772 |
| Return on assets (ROA) | 0.7703% | 3,667 |
| Pretax return on assets | 0.7703% | 4,424 |
| Return on Equity (ROE) | 6.6615% | 3,802 |
| Retained earnings to average equity (ytd only) | 5.6070% | 2,520 |
| Net charge-offs to loans | -0.1948% | 5,984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8364% | 1,196 |
| Assets per employee ($millions) | 4.3807% | 3,195 |
| Cash dividends to net income (ytd only)* | 15.8299% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6698% | 1,554 |
| Loan loss allowance to noncurrent loans | 284.6535% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 1.3446% | 1,743 |
| Noncurrent loans to loans | 0.5866% | 3,569 |
| Net loans and leases to total assets | 66.6318% | 2,914 |
| Net loans and leases to deposits | 84.5869% | 2,331 |
| Net loans and leases to core deposits | 84.9559% | 2,954 |
| Total domestic deposits to total assets | 78.7732% | 5,034 |
| Equity capital to assets | 11.7729% | 2,289 |
| Core capital (leverage) ratio | 11.5968% | 1,959 |
| Tier 1 risk-based capital ratio | 15.2330% | 3,173 |
| Total risk-based capital ratio | 16.4861% | 3,110 |
| Memoranda: | ||
| Average total assets | $765,397,250 | 907 |
| Average earning assets | $707,666,500 | 902 |
| Average equity | $88,505,750 | 869 |
| Average total loans | $508,634,750 | 920 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7543% | 4,226 |
| Cost of funding earning assets | 0.1670% | 5,724 |
| Net interest margin | 3.5873% | 3,141 |
| Noninterest income to average assets | 1.1265% | 951 |
| Noninterest expense to average assets | 3.7701% | 907 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6745% | 4,006 |
| Return on assets (ROA) | 0.6722% | 4,130 |
| Pretax return on assets | 0.6722% | 4,746 |
| Return on Equity (ROE) | 5.8482% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.8482% | 2,329 |
| Net charge-offs to loans | -0.3115% | 6,129 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8236% | 1,173 |
| Assets per employee ($millions) | 4.3863% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6824% | 1,647 |
| Loan loss allowance to noncurrent loans | 233.8188% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 1.4415% | 1,729 |
| Noncurrent loans to loans | 0.7195% | 3,327 |
| Net loans and leases to total assets | 67.9467% | 2,653 |
| Net loans and leases to deposits | 84.7630% | 2,214 |
| Net loans and leases to core deposits | 85.1409% | 2,867 |
| Total domestic deposits to total assets | 80.1608% | 4,827 |
| Equity capital to assets | 11.9343% | 2,078 |
| Core capital (leverage) ratio | 11.4236% | 2,053 |
| Tier 1 risk-based capital ratio | 14.4405% | 3,668 |
| Total risk-based capital ratio | 15.6930% | 3,593 |
| Memoranda: | ||
| Average total assets | $766,451,670 | 909 |
| Average earning assets | $708,944,670 | 903 |
| Average equity | $88,095,330 | 876 |
| Average total loans | $506,008,000 | 924 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6753% | 4,450 |
| Cost of funding earning assets | 0.1663% | 5,802 |
| Net interest margin | 3.5089% | 3,398 |
| Noninterest income to average assets | 1.0396% | 1,036 |
| Noninterest expense to average assets | 3.7212% | 979 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5659% | 4,420 |
| Return on assets (ROA) | 0.5612% | 4,546 |
| Pretax return on assets | 0.5612% | 5,022 |
| Return on Equity (ROE) | 4.9744% | 4,542 |
| Retained earnings to average equity (ytd only) | 4.9744% | 3,068 |
| Net charge-offs to loans | 0.0199% | 2,757 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 43.9600% | 916 |
| Efficiency ratio | 86.8004% | 1,109 |
| Assets per employee ($millions) | 4.4267% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 2,289 |
| Loan loss allowance to noncurrent loans | 181.7488% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 1.5128% | 1,724 |
| Noncurrent loans to loans | 0.8464% | 3,129 |
| Net loans and leases to total assets | 66.0492% | 2,755 |
| Net loans and leases to deposits | 82.0475% | 2,334 |
| Net loans and leases to core deposits | 82.4040% | 2,920 |
| Total domestic deposits to total assets | 80.5012% | 4,934 |
| Equity capital to assets | 11.6019% | 2,378 |
| Core capital (leverage) ratio | 10.9871% | 2,423 |
| Tier 1 risk-based capital ratio | 14.3367% | 3,812 |
| Total risk-based capital ratio | 15.5876% | 3,735 |
| Memoranda: | ||
| Average total assets | $776,845,000 | 900 |
| Average earning assets | $718,970,000 | 899 |
| Average equity | $87,648,000 | 881 |
| Average total loans | $501,349,500 | 937 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9380% | 3,977 |
| Cost of funding earning assets | 0.1790% | 5,918 |
| Net interest margin | 3.7591% | 2,774 |
| Noninterest income to average assets | 1.5471% | 519 |
| Noninterest expense to average assets | 3.8029% | 986 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2198% | 1,525 |
| Return on assets (ROA) | 1.1650% | 1,771 |
| Pretax return on assets | 1.1650% | 2,799 |
| Return on Equity (ROE) | 10.0036% | 2,126 |
| Retained earnings to average equity (ytd only) | -4.2920% | 6,149 |
| Net charge-offs to loans | 0.3331% | 1,322 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.5410% | 3,399 |
| Efficiency ratio | 75.4953% | 2,597 |
| Assets per employee ($millions) | 4.5017% | 3,038 |
| Cash dividends to net income (ytd only)* | 142.9043% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 2,084 |
| Loan loss allowance to noncurrent loans | 187.2654% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 1.4824% | 1,850 |
| Noncurrent loans to loans | 0.8556% | 3,175 |
| Net loans and leases to total assets | 61.0966% | 3,625 |
| Net loans and leases to deposits | 76.3970% | 3,158 |
| Net loans and leases to core deposits | 76.7241% | 3,633 |
| Total domestic deposits to total assets | 79.9725% | 5,024 |
| Equity capital to assets | 10.9756% | 2,920 |
| Core capital (leverage) ratio | 10.7771% | 2,641 |
| Tier 1 risk-based capital ratio | 15.4104% | 3,272 |
| Total risk-based capital ratio | 16.6630% | 3,212 |
| Memoranda: | ||
| Average total assets | $780,870,600 | 868 |
| Average earning assets | $721,984,200 | 847 |
| Average equity | $90,937,400 | 808 |
| Average total loans | $515,995,800 | 862 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 3,799 |
| Cost of funding earning assets | 0.1819% | 5,981 |
| Net interest margin | 3.8081% | 2,590 |
| Noninterest income to average assets | 1.6786% | 465 |
| Noninterest expense to average assets | 3.6886% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5132% | 914 |
| Return on assets (ROA) | 1.4495% | 1,064 |
| Pretax return on assets | 1.4495% | 1,812 |
| Return on Equity (ROE) | 12.2668% | 1,415 |
| Retained earnings to average equity (ytd only) | 5.0152% | 3,068 |
| Net charge-offs to loans | 0.2631% | 1,482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 8.5728% | 2,776 |
| Efficiency ratio | 70.6266% | 3,401 |
| Assets per employee ($millions) | 4.4632% | 3,032 |
| Cash dividends to net income (ytd only)* | 59.1156% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 2,074 |
| Loan loss allowance to noncurrent loans | 198.3110% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 1.5582% | 1,965 |
| Noncurrent loans to loans | 0.8415% | 3,466 |
| Net loans and leases to total assets | 65.0304% | 3,022 |
| Net loans and leases to deposits | 80.9372% | 2,559 |
| Net loans and leases to core deposits | 81.3316% | 3,170 |
| Total domestic deposits to total assets | 80.3467% | 4,998 |
| Equity capital to assets | 12.0880% | 1,983 |
| Core capital (leverage) ratio | 11.7656% | 1,856 |
| Tier 1 risk-based capital ratio | 16.2761% | 2,923 |
| Total risk-based capital ratio | 17.5296% | 2,872 |
| Memoranda: | ||
| Average total assets | $778,013,250 | 874 |
| Average earning assets | $719,818,250 | 854 |
| Average equity | $91,931,750 | 808 |
| Average total loans | $522,007,250 | 848 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9846% | 3,789 |
| Cost of funding earning assets | 0.1839% | 6,043 |
| Net interest margin | 3.8008% | 2,571 |
| Noninterest income to average assets | 1.8616% | 388 |
| Noninterest expense to average assets | 3.5525% | 1,383 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8197% | 475 |
| Return on assets (ROA) | 1.7783% | 528 |
| Pretax return on assets | 1.7783% | 882 |
| Return on Equity (ROE) | 15.1659% | 769 |
| Retained earnings to average equity (ytd only) | 8.5930% | 1,117 |
| Net charge-offs to loans | 0.4314% | 950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.2571% | 2,800 |
| Efficiency ratio | 65.7166% | 4,403 |
| Assets per employee ($millions) | 4.3999% | 3,087 |
| Cash dividends to net income (ytd only)* | 43.3401% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6003% | 2,458 |
| Loan loss allowance to noncurrent loans | 152.8700% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 1.6617% | 1,959 |
| Noncurrent loans to loans | 1.0468% | 3,137 |
| Net loans and leases to total assets | 67.6308% | 2,478 |
| Net loans and leases to deposits | 85.0317% | 1,923 |
| Net loans and leases to core deposits | 85.4534% | 2,565 |
| Total domestic deposits to total assets | 79.5360% | 5,343 |
| Equity capital to assets | 12.2744% | 1,793 |
| Core capital (leverage) ratio | 11.6781% | 1,867 |
| Tier 1 risk-based capital ratio | 16.1595% | 3,000 |
| Total risk-based capital ratio | 17.4126% | 2,948 |
| Memoranda: | ||
| Average total assets | $778,486,330 | 870 |
| Average earning assets | $719,064,000 | 853 |
| Average equity | $91,284,000 | 803 |
| Average total loans | $524,812,000 | 834 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9114% | 4,034 |
| Cost of funding earning assets | 0.1829% | 6,137 |
| Net interest margin | 3.7285% | 2,755 |
| Noninterest income to average assets | 1.0870% | 947 |
| Noninterest expense to average assets | 3.5409% | 1,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9842% | 2,270 |
| Return on assets (ROA) | 0.9495% | 2,479 |
| Pretax return on assets | 0.9495% | 3,522 |
| Return on Equity (ROE) | 8.2881% | 2,804 |
| Retained earnings to average equity (ytd only) | 3.8273% | 3,833 |
| Net charge-offs to loans | 0.0084% | 3,460 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 175.0909% | 285 |
| Efficiency ratio | 77.2784% | 2,596 |
| Assets per employee ($millions) | 4.6281% | 2,757 |
| Cash dividends to net income (ytd only)* | 53.8213% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8532% | 1,891 |
| Loan loss allowance to noncurrent loans | 115.8632% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 2.4616% | 1,303 |
| Noncurrent loans to loans | 1.5994% | 2,421 |
| Net loans and leases to total assets | 64.5546% | 2,800 |
| Net loans and leases to deposits | 80.2016% | 2,266 |
| Net loans and leases to core deposits | 80.6242% | 2,894 |
| Total domestic deposits to total assets | 80.4903% | 5,388 |
| Equity capital to assets | 11.4921% | 2,257 |
| Core capital (leverage) ratio | 11.2593% | 2,165 |
| Tier 1 risk-based capital ratio | 15.7505% | 3,299 |
| Total risk-based capital ratio | 17.0061% | 3,262 |
| Memoranda: | ||
| Average total assets | $782,736,500 | 870 |
| Average earning assets | $721,792,500 | 858 |
| Average equity | $89,670,500 | 820 |
| Average total loans | $522,609,500 | 836 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0601% | 3,880 |
| Cost of funding earning assets | 0.2856% | 5,704 |
| Net interest margin | 3.7745% | 2,744 |
| Noninterest income to average assets | 1.0840% | 1,203 |
| Noninterest expense to average assets | 3.5716% | 1,500 |
| Loan and lease loss provision to assets | 0.1100% | 2,969 |
| Net operating income to assets | 0.8882% | 2,838 |
| Return on assets (ROA) | 0.8632% | 3,038 |
| Pretax return on assets | 0.8632% | 3,902 |
| Return on Equity (ROE) | 7.7616% | 3,165 |
| Retained earnings to average equity (ytd only) | 1.6068% | 5,072 |
| Net charge-offs to loans | 0.3199% | 2,082 |
| Credit loss provision to net charge-offs | 51.7241% | 3,771 |
| Earnings coverage of net charge-offs (x) | 4.6931% | 3,487 |
| Efficiency ratio | 76.2144% | 2,738 |
| Assets per employee ($millions) | 4.4497% | 2,991 |
| Cash dividends to net income (ytd only)* | 79.2976% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8193% | 2,008 |
| Loan loss allowance to noncurrent loans | 106.2763% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 2.6484% | 1,269 |
| Noncurrent loans to loans | 1.7119% | 2,346 |
| Net loans and leases to total assets | 66.5379% | 2,607 |
| Net loans and leases to deposits | 83.5209% | 1,995 |
| Net loans and leases to core deposits | 84.0092% | 2,674 |
| Total domestic deposits to total assets | 79.6661% | 5,516 |
| Equity capital to assets | 11.4196% | 2,224 |
| Core capital (leverage) ratio | 11.1607% | 2,228 |
| Tier 1 risk-based capital ratio | 15.2822% | 3,493 |
| Total risk-based capital ratio | 16.5375% | 3,442 |
| Memoranda: | ||
| Average total assets | $818,072,000 | 812 |
| Average earning assets | $755,494,200 | 796 |
| Average equity | $90,986,600 | 775 |
| Average total loans | $543,937,800 | 774 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 3,949 |
| Cost of funding earning assets | 0.2993% | 5,747 |
| Net interest margin | 3.7479% | 2,857 |
| Noninterest income to average assets | 1.1804% | 1,055 |
| Noninterest expense to average assets | 3.4114% | 1,800 |
| Loan and lease loss provision to assets | 0.1449% | 2,468 |
| Net operating income to assets | 1.0890% | 2,044 |
| Return on assets (ROA) | 1.0561% | 2,248 |
| Pretax return on assets | 1.0561% | 3,276 |
| Return on Equity (ROE) | 9.5558% | 2,371 |
| Retained earnings to average equity (ytd only) | 4.3102% | 3,614 |
| Net charge-offs to loans | 0.1411% | 3,128 |
| Credit loss provision to net charge-offs | 155.1724% | 1,523 |
| Earnings coverage of net charge-offs (x) | 13.2104% | 2,049 |
| Efficiency ratio | 71.5514% | 3,499 |
| Assets per employee ($millions) | 4.4087% | 3,036 |
| Cash dividends to net income (ytd only)* | 54.8948% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9733% | 1,788 |
| Loan loss allowance to noncurrent loans | 130.2785% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 2.5311% | 1,512 |
| Noncurrent loans to loans | 1.5147% | 2,897 |
| Net loans and leases to total assets | 68.5028% | 2,226 |
| Net loans and leases to deposits | 85.2954% | 1,705 |
| Net loans and leases to core deposits | 85.7861% | 2,435 |
| Total domestic deposits to total assets | 80.3124% | 5,424 |
| Equity capital to assets | 11.5494% | 2,264 |
| Core capital (leverage) ratio | 11.1067% | 2,375 |
| Tier 1 risk-based capital ratio | 15.1811% | 3,644 |
| Total risk-based capital ratio | 16.4384% | 3,594 |
| Memoranda: | ||
| Average total assets | $827,916,250 | 803 |
| Average earning assets | $765,397,250 | 791 |
| Average equity | $91,502,250 | 774 |
| Average total loans | $547,990,250 | 768 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9872% | 4,156 |
| Cost of funding earning assets | 0.3119% | 5,740 |
| Net interest margin | 3.6753% | 3,058 |
| Noninterest income to average assets | 1.2070% | 1,051 |
| Noninterest expense to average assets | 3.1843% | 2,397 |
| Loan and lease loss provision to assets | 0.1422% | 2,553 |
| Net operating income to assets | 1.2880% | 1,354 |
| Return on assets (ROA) | 1.2397% | 1,589 |
| Pretax return on assets | 1.2397% | 2,521 |
| Return on Equity (ROE) | 11.3743% | 1,695 |
| Retained earnings to average equity (ytd only) | 3.5450% | 4,063 |
| Net charge-offs to loans | 0.1253% | 3,122 |
| Credit loss provision to net charge-offs | 174.4186% | 1,357 |
| Earnings coverage of net charge-offs (x) | 17.5407% | 1,600 |
| Efficiency ratio | 67.1409% | 4,333 |
| Assets per employee ($millions) | 4.3151% | 3,150 |
| Cash dividends to net income (ytd only)* | 68.8337% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9272% | 2,030 |
| Loan loss allowance to noncurrent loans | 140.8241% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 2.4638% | 1,721 |
| Noncurrent loans to loans | 1.3685% | 3,267 |
| Net loans and leases to total assets | 67.1013% | 2,396 |
| Net loans and leases to deposits | 84.4476% | 1,743 |
| Net loans and leases to core deposits | 84.7864% | 2,454 |
| Total domestic deposits to total assets | 79.4591% | 5,720 |
| Equity capital to assets | 11.1766% | 2,579 |
| Core capital (leverage) ratio | 10.5260% | 2,851 |
| Tier 1 risk-based capital ratio | 14.6533% | 3,997 |
| Total risk-based capital ratio | 15.9096% | 3,953 |
| Memoranda: | ||
| Average total assets | $843,773,330 | 789 |
| Average earning assets | $782,296,000 | 773 |
| Average equity | $91,961,330 | 770 |
| Average total loans | $548,880,670 | 757 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8201% | 4,758 |
| Cost of funding earning assets | 0.3389% | 5,648 |
| Net interest margin | 3.4813% | 3,777 |
| Noninterest income to average assets | 1.0767% | 1,279 |
| Noninterest expense to average assets | 3.1315% | 2,575 |
| Loan and lease loss provision to assets | 0.1395% | 2,500 |
| Net operating income to assets | 1.0404% | 2,071 |
| Return on assets (ROA) | 0.9758% | 2,463 |
| Pretax return on assets | 0.9758% | 3,458 |
| Return on Equity (ROE) | 9.0619% | 2,461 |
| Retained earnings to average equity (ytd only) | 3.8787% | 3,909 |
| Net charge-offs to loans | 0.2924% | 1,796 |
| Credit loss provision to net charge-offs | 75.1880% | 2,222 |
| Earnings coverage of net charge-offs (x) | 6.3584% | 2,232 |
| Efficiency ratio | 70.6796% | 3,852 |
| Assets per employee ($millions) | 4.3514% | 3,244 |
| Cash dividends to net income (ytd only)* | 57.1973% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9173% | 2,257 |
| Loan loss allowance to noncurrent loans | 88.5976% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 2.8338% | 1,592 |
| Noncurrent loans to loans | 2.1641% | 2,428 |
| Net loans and leases to total assets | 62.3506% | 2,990 |
| Net loans and leases to deposits | 77.8852% | 2,352 |
| Net loans and leases to core deposits | 78.2555% | 3,028 |
| Total domestic deposits to total assets | 80.0545% | 5,741 |
| Equity capital to assets | 10.9649% | 2,992 |
| Core capital (leverage) ratio | 10.1348% | 3,234 |
| Tier 1 risk-based capital ratio | 14.9110% | 3,905 |
| Total risk-based capital ratio | 16.1673% | 3,861 |
| Memoranda: | ||
| Average total assets | $860,042,000 | 776 |
| Average earning assets | $799,134,500 | 767 |
| Average equity | $92,607,500 | 772 |
| Average total loans | $545,797,500 | 765 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 4,387 |
| Cost of funding earning assets | 0.5369% | 4,938 |
| Net interest margin | 3.7178% | 3,569 |
| Noninterest income to average assets | 1.3023% | 906 |
| Noninterest expense to average assets | 3.4732% | 1,889 |
| Loan and lease loss provision to assets | 0.1062% | 4,309 |
| Net operating income to assets | 1.1913% | 1,633 |
| Return on assets (ROA) | 1.0698% | 2,242 |
| Pretax return on assets | 1.0698% | 3,274 |
| Return on Equity (ROE) | 10.0922% | 2,134 |
| Retained earnings to average equity (ytd only) | 5.0984% | 2,646 |
| Net charge-offs to loans | 0.4386% | 2,475 |
| Credit loss provision to net charge-offs | 36.8400% | 4,992 |
| Earnings coverage of net charge-offs (x) | 4.4990% | 3,346 |
| Efficiency ratio | 70.7909% | 3,656 |
| Assets per employee ($millions) | 4.4018% | 3,143 |
| Cash dividends to net income (ytd only)* | 49.4814% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8908% | 2,319 |
| Loan loss allowance to noncurrent loans | 66.0113% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 3.0055% | 1,580 |
| Noncurrent loans to loans | 2.8644% | 1,830 |
| Net loans and leases to total assets | 62.1589% | 3,223 |
| Net loans and leases to deposits | 78.8019% | 2,422 |
| Net loans and leases to core deposits | 79.8454% | 3,030 |
| Total domestic deposits to total assets | 78.8800% | 5,913 |
| Equity capital to assets | 10.5759% | 3,433 |
| Core capital (leverage) ratio | 9.9517% | 3,466 |
| Tier 1 risk-based capital ratio | 14.3576% | 4,117 |
| Total risk-based capital ratio | 15.6138% | 4,077 |
| Memoranda: | ||
| Average total assets | $847,091,000 | 771 |
| Average earning assets | $790,260,200 | 756 |
| Average equity | $89,792,000 | 779 |
| Average total loans | $557,052,600 | 749 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3528% | 4,238 |
| Cost of funding earning assets | 0.5757% | 4,864 |
| Net interest margin | 3.7771% | 3,433 |
| Noninterest income to average assets | 1.3072% | 863 |
| Noninterest expense to average assets | 3.4058% | 1,990 |
| Loan and lease loss provision to assets | 0.0951% | 4,389 |
| Net operating income to assets | 1.3343% | 1,368 |
| Return on assets (ROA) | 1.2167% | 1,856 |
| Pretax return on assets | 1.2167% | 2,929 |
| Return on Equity (ROE) | 11.4711% | 1,800 |
| Retained earnings to average equity (ytd only) | 7.7580% | 1,723 |
| Net charge-offs to loans | 0.2828% | 3,030 |
| Credit loss provision to net charge-offs | 50.6757% | 4,387 |
| Earnings coverage of net charge-offs (x) | 7.6148% | 2,579 |
| Efficiency ratio | 68.3946% | 3,984 |
| Assets per employee ($millions) | 4.1881% | 3,500 |
| Cash dividends to net income (ytd only)* | 32.3691% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0501% | 2,033 |
| Loan loss allowance to noncurrent loans | 77.7202% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 2.9655% | 1,763 |
| Noncurrent loans to loans | 2.6377% | 2,151 |
| Net loans and leases to total assets | 65.3539% | 2,767 |
| Net loans and leases to deposits | 83.0907% | 1,989 |
| Net loans and leases to core deposits | 84.3757% | 2,656 |
| Total domestic deposits to total assets | 78.6538% | 5,941 |
| Equity capital to assets | 11.0791% | 3,181 |
| Core capital (leverage) ratio | 10.2492% | 3,224 |
| Tier 1 risk-based capital ratio | 14.2736% | 4,342 |
| Total risk-based capital ratio | 15.5315% | 4,300 |
| Memoranda: | ||
| Average total assets | $840,972,250 | 787 |
| Average earning assets | $785,531,250 | 763 |
| Average equity | $89,196,000 | 786 |
| Average total loans | $558,266,500 | 745 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4095% | 4,148 |
| Cost of funding earning assets | 0.6089% | 4,822 |
| Net interest margin | 3.8006% | 3,356 |
| Noninterest income to average assets | 1.2944% | 845 |
| Noninterest expense to average assets | 3.3701% | 2,101 |
| Loan and lease loss provision to assets | 0.0711% | 4,739 |
| Net operating income to assets | 1.4009% | 1,194 |
| Return on assets (ROA) | 1.2904% | 1,616 |
| Pretax return on assets | 1.2904% | 2,596 |
| Return on Equity (ROE) | 12.3473% | 1,558 |
| Retained earnings to average equity (ytd only) | 7.1651% | 2,009 |
| Net charge-offs to loans | 0.0190% | 5,144 |
| Credit loss provision to net charge-offs | 566.0377% | 553 |
| Earnings coverage of net charge-offs (x) | 117.1321% | 373 |
| Efficiency ratio | 67.5677% | 4,219 |
| Assets per employee ($millions) | 4.1289% | 3,609 |
| Cash dividends to net income (ytd only)* | 41.9699% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1778% | 1,822 |
| Loan loss allowance to noncurrent loans | 75.0690% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 3.1050% | 1,758 |
| Noncurrent loans to loans | 2.9010% | 2,060 |
| Net loans and leases to total assets | 65.8723% | 2,695 |
| Net loans and leases to deposits | 83.7410% | 1,888 |
| Net loans and leases to core deposits | 85.3336% | 2,510 |
| Total domestic deposits to total assets | 78.6620% | 6,026 |
| Equity capital to assets | 10.7541% | 3,390 |
| Core capital (leverage) ratio | 9.9788% | 3,448 |
| Tier 1 risk-based capital ratio | 13.6786% | 4,691 |
| Total risk-based capital ratio | 14.9369% | 4,652 |
| Memoranda: | ||
| Average total assets | $843,486,000 | 788 |
| Average earning assets | $787,345,670 | 763 |
| Average equity | $88,149,000 | 789 |
| Average total loans | $558,995,330 | 746 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3627% | 4,464 |
| Cost of funding earning assets | 0.6416% | 4,809 |
| Net interest margin | 3.7211% | 3,731 |
| Noninterest income to average assets | 1.4572% | 682 |
| Noninterest expense to average assets | 3.3676% | 2,097 |
| Loan and lease loss provision to assets | 0.0707% | 4,517 |
| Net operating income to assets | 1.4897% | 1,041 |
| Return on assets (ROA) | 1.3615% | 1,454 |
| Pretax return on assets | 1.3615% | 2,329 |
| Return on Equity (ROE) | 13.2164% | 1,345 |
| Retained earnings to average equity (ytd only) | 13.2164% | 653 |
| Net charge-offs to loans | -0.0667% | 6,654 |
| Credit loss provision to net charge-offs | -161.2903% | 5,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3445% | 4,493 |
| Assets per employee ($millions) | 4.2061% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2121% | 1,859 |
| Loan loss allowance to noncurrent loans | 79.4064% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 2.9481% | 1,963 |
| Noncurrent loans to loans | 2.7857% | 2,328 |
| Net loans and leases to total assets | 63.9339% | 2,861 |
| Net loans and leases to deposits | 80.1503% | 2,183 |
| Net loans and leases to core deposits | 81.6276% | 2,880 |
| Total domestic deposits to total assets | 79.7675% | 5,907 |
| Equity capital to assets | 10.5654% | 3,415 |
| Core capital (leverage) ratio | 9.7080% | 3,758 |
| Tier 1 risk-based capital ratio | 13.6839% | 4,695 |
| Total risk-based capital ratio | 14.9433% | 4,666 |
| Memoranda: | ||
| Average total assets | $848,208,000 | 783 |
| Average earning assets | $791,166,500 | 762 |
| Average equity | $87,376,500 | 793 |
| Average total loans | $557,676,000 | 748 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6975% | 4,260 |
| Cost of funding earning assets | 0.7639% | 5,110 |
| Net interest margin | 3.9336% | 3,188 |
| Noninterest income to average assets | 1.2229% | 878 |
| Noninterest expense to average assets | 3.6623% | 1,608 |
| Loan and lease loss provision to assets | 0.4056% | 2,563 |
| Net operating income to assets | 0.8074% | 3,006 |
| Return on assets (ROA) | 0.6249% | 4,061 |
| Pretax return on assets | 0.6249% | 4,610 |
| Return on Equity (ROE) | 6.3264% | 3,727 |
| Retained earnings to average equity (ytd only) | 4.2308% | 3,172 |
| Net charge-offs to loans | 0.4209% | 3,321 |
| Credit loss provision to net charge-offs | 140.1274% | 2,106 |
| Earnings coverage of net charge-offs (x) | 4.1907% | 3,229 |
| Efficiency ratio | 73.0248% | 3,387 |
| Assets per employee ($millions) | 4.1715% | 3,511 |
| Cash dividends to net income (ytd only)* | 33.1235% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1301% | 1,930 |
| Loan loss allowance to noncurrent loans | 71.3546% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 3.4453% | 1,721 |
| Noncurrent loans to loans | 2.9852% | 2,175 |
| Net loans and leases to total assets | 64.7044% | 3,043 |
| Net loans and leases to deposits | 81.2286% | 2,321 |
| Net loans and leases to core deposits | 83.1894% | 2,998 |
| Total domestic deposits to total assets | 79.6571% | 5,830 |
| Equity capital to assets | 10.0389% | 4,122 |
| Core capital (leverage) ratio | 9.5201% | 3,994 |
| Tier 1 risk-based capital ratio | 12.9024% | 5,151 |
| Total risk-based capital ratio | 14.1609% | 5,119 |
| Memoranda: | ||
| Average total assets | $813,625,000 | 804 |
| Average earning assets | $755,443,400 | 782 |
| Average equity | $80,362,200 | 832 |
| Average total loans | $559,528,600 | 753 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7473% | 4,240 |
| Cost of funding earning assets | 0.7856% | 5,247 |
| Net interest margin | 3.9617% | 3,094 |
| Noninterest income to average assets | 1.2324% | 858 |
| Noninterest expense to average assets | 3.6505% | 1,596 |
| Loan and lease loss provision to assets | 0.5139% | 1,927 |
| Net operating income to assets | 0.7463% | 3,398 |
| Return on assets (ROA) | 0.5800% | 4,359 |
| Pretax return on assets | 0.5800% | 4,883 |
| Return on Equity (ROE) | 5.8982% | 4,068 |
| Retained earnings to average equity (ytd only) | 3.0595% | 4,504 |
| Net charge-offs to loans | 0.4133% | 3,078 |
| Credit loss provision to net charge-offs | 178.9838% | 1,664 |
| Earnings coverage of net charge-offs (x) | 4.3891% | 3,082 |
| Efficiency ratio | 72.2344% | 3,505 |
| Assets per employee ($millions) | 4.0074% | 3,825 |
| Cash dividends to net income (ytd only)* | 48.1281% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2538% | 1,766 |
| Loan loss allowance to noncurrent loans | 66.5433% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 3.6747% | 1,703 |
| Noncurrent loans to loans | 3.3869% | 2,037 |
| Net loans and leases to total assets | 65.5001% | 3,004 |
| Net loans and leases to deposits | 81.8969% | 2,377 |
| Net loans and leases to core deposits | 83.9902% | 3,072 |
| Total domestic deposits to total assets | 79.9787% | 5,745 |
| Equity capital to assets | 9.9250% | 4,440 |
| Core capital (leverage) ratio | 9.5552% | 4,066 |
| Tier 1 risk-based capital ratio | 12.8961% | 5,173 |
| Total risk-based capital ratio | 14.1516% | 5,149 |
| Memoranda: | ||
| Average total assets | $804,284,750 | 822 |
| Average earning assets | $746,762,000 | 801 |
| Average equity | $79,095,250 | 857 |
| Average total loans | $558,758,500 | 761 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7499% | 4,305 |
| Cost of funding earning assets | 0.8047% | 5,334 |
| Net interest margin | 3.9451% | 3,104 |
| Noninterest income to average assets | 1.1947% | 904 |
| Noninterest expense to average assets | 3.7396% | 1,466 |
| Loan and lease loss provision to assets | 0.6261% | 1,528 |
| Net operating income to assets | 0.4904% | 4,544 |
| Return on assets (ROA) | 0.3722% | 5,216 |
| Pretax return on assets | 0.3722% | 5,479 |
| Return on Equity (ROE) | 3.7965% | 5,022 |
| Retained earnings to average equity (ytd only) | 3.7965% | 3,801 |
| Net charge-offs to loans | 0.3701% | 3,070 |
| Credit loss provision to net charge-offs | 240.6160% | 1,255 |
| Earnings coverage of net charge-offs (x) | 4.2907% | 2,907 |
| Efficiency ratio | 74.8672% | 3,208 |
| Assets per employee ($millions) | 3.9698% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2590% | 1,810 |
| Loan loss allowance to noncurrent loans | 69.9379% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 3.6389% | 1,804 |
| Noncurrent loans to loans | 3.2300% | 2,216 |
| Net loans and leases to total assets | 66.4581% | 2,936 |
| Net loans and leases to deposits | 84.3394% | 2,056 |
| Net loans and leases to core deposits | 87.9324% | 2,652 |
| Total domestic deposits to total assets | 78.7984% | 6,133 |
| Equity capital to assets | 9.8824% | 4,292 |
| Core capital (leverage) ratio | 9.6331% | 3,759 |
| Tier 1 risk-based capital ratio | 12.2858% | 5,529 |
| Total risk-based capital ratio | 13.5447% | 5,508 |
| Memoranda: | ||
| Average total assets | $798,541,330 | 842 |
| Average earning assets | $741,114,330 | 815 |
| Average equity | $78,282,000 | 867 |
| Average total loans | $561,511,330 | 768 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7142% | 4,457 |
| Cost of funding earning assets | 0.8261% | 5,421 |
| Net interest margin | 3.8881% | 3,204 |
| Noninterest income to average assets | 1.1182% | 1,050 |
| Noninterest expense to average assets | 3.7026% | 1,530 |
| Loan and lease loss provision to assets | 0.7586% | 1,125 |
| Net operating income to assets | 0.2655% | 5,558 |
| Return on assets (ROA) | 0.1376% | 6,036 |
| Pretax return on assets | 0.1376% | 6,081 |
| Return on Equity (ROE) | 1.4091% | 6,017 |
| Retained earnings to average equity (ytd only) | 1.4091% | 5,258 |
| Net charge-offs to loans | 0.1471% | 3,606 |
| Credit loss provision to net charge-offs | 721.1538% | 530 |
| Earnings coverage of net charge-offs (x) | 9.7356% | 1,695 |
| Efficiency ratio | 76.1074% | 3,149 |
| Assets per employee ($millions) | 3.8378% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1912% | 1,984 |
| Loan loss allowance to noncurrent loans | 54.5137% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 4.1110% | 1,617 |
| Noncurrent loans to loans | 4.0195% | 1,807 |
| Net loans and leases to total assets | 68.9517% | 2,335 |
| Net loans and leases to deposits | 85.3989% | 1,821 |
| Net loans and leases to core deposits | 89.3681% | 2,431 |
| Total domestic deposits to total assets | 80.7408% | 5,736 |
| Equity capital to assets | 9.7707% | 4,072 |
| Core capital (leverage) ratio | 9.6839% | 3,551 |
| Tier 1 risk-based capital ratio | 11.9560% | 5,736 |
| Total risk-based capital ratio | 13.2145% | 5,716 |
| Memoranda: | ||
| Average total assets | $790,906,000 | 851 |
| Average earning assets | $734,035,000 | 830 |
| Average equity | $77,211,000 | 871 |
| Average total loans | $565,595,000 | 770 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0749% | 4,209 |
| Cost of funding earning assets | 0.9088% | 6,141 |
| Net interest margin | 4.1661% | 2,307 |
| Noninterest income to average assets | 1.4196% | 719 |
| Noninterest expense to average assets | 3.7227% | 1,648 |
| Loan and lease loss provision to assets | 0.7666% | 2,135 |
| Net operating income to assets | 0.7690% | 2,922 |
| Return on assets (ROA) | 0.6388% | 3,647 |
| Pretax return on assets | 0.6388% | 4,206 |
| Return on Equity (ROE) | 6.6720% | 3,271 |
| Retained earnings to average equity (ytd only) | 6.6720% | 1,469 |
| Net charge-offs to loans | 0.7737% | 2,699 |
| Credit loss provision to net charge-offs | 132.9493% | 2,951 |
| Earnings coverage of net charge-offs (x) | 2.6632% | 3,761 |
| Efficiency ratio | 68.7183% | 4,423 |
| Assets per employee ($millions) | 3.8789% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9420% | 2,438 |
| Loan loss allowance to noncurrent loans | 52.6394% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 4.0384% | 1,682 |
| Noncurrent loans to loans | 3.6892% | 2,014 |
| Net loans and leases to total assets | 71.1384% | 2,273 |
| Net loans and leases to deposits | 89.7277% | 1,562 |
| Net loans and leases to core deposits | 92.2255% | 2,477 |
| Total domestic deposits to total assets | 79.2825% | 6,014 |
| Equity capital to assets | 9.7539% | 4,048 |
| Core capital (leverage) ratio | 9.6177% | 3,528 |
| Tier 1 risk-based capital ratio | 11.8910% | 5,578 |
| Total risk-based capital ratio | 13.1471% | 5,552 |
| Memoranda: | ||
| Average total assets | $782,660,000 | 865 |
| Average earning assets | $721,151,200 | 847 |
| Average equity | $74,940,200 | 880 |
| Average total loans | $583,312,000 | 767 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1375% | 4,133 |
| Cost of funding earning assets | 0.9160% | 6,330 |
| Net interest margin | 4.2215% | 2,140 |
| Noninterest income to average assets | 1.3208% | 786 |
| Noninterest expense to average assets | 3.7192% | 1,529 |
| Loan and lease loss provision to assets | 0.7668% | 1,994 |
| Net operating income to assets | 0.7174% | 3,333 |
| Return on assets (ROA) | 0.5731% | 4,158 |
| Pretax return on assets | 0.5731% | 4,681 |
| Return on Equity (ROE) | 6.0131% | 3,805 |
| Retained earnings to average equity (ytd only) | 6.0131% | 2,347 |
| Net charge-offs to loans | 1.0693% | 1,900 |
| Credit loss provision to net charge-offs | 95.5820% | 4,541 |
| Earnings coverage of net charge-offs (x) | 1.8500% | 4,323 |
| Efficiency ratio | 69.3706% | 4,194 |
| Assets per employee ($millions) | 3.7616% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6170% | 3,455 |
| Loan loss allowance to noncurrent loans | 48.9625% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 3.9368% | 1,782 |
| Noncurrent loans to loans | 3.3025% | 2,396 |
| Net loans and leases to total assets | 73.7248% | 1,855 |
| Net loans and leases to deposits | 92.6418% | 1,367 |
| Net loans and leases to core deposits | 97.5255% | 2,091 |
| Total domestic deposits to total assets | 79.5805% | 5,840 |
| Equity capital to assets | 10.1974% | 3,884 |
| Core capital (leverage) ratio | 9.5007% | 3,904 |
| Tier 1 risk-based capital ratio | 11.3982% | 6,022 |
| Total risk-based capital ratio | 12.6512% | 6,006 |
| Memoranda: | ||
| Average total assets | $782,438,750 | 866 |
| Average earning assets | $719,635,000 | 853 |
| Average equity | $74,568,750 | 882 |
| Average total loans | $587,030,000 | 770 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1436% | 4,224 |
| Cost of funding earning assets | 0.9079% | 6,545 |
| Net interest margin | 4.2357% | 2,037 |
| Noninterest income to average assets | 1.2488% | 834 |
| Noninterest expense to average assets | 3.7463% | 1,458 |
| Loan and lease loss provision to assets | 0.7632% | 1,880 |
| Net operating income to assets | 0.6380% | 3,692 |
| Return on assets (ROA) | 0.5161% | 4,412 |
| Pretax return on assets | 0.5161% | 4,855 |
| Return on Equity (ROE) | 5.5427% | 4,026 |
| Retained earnings to average equity (ytd only) | 5.5427% | 2,587 |
| Net charge-offs to loans | 0.2366% | 4,185 |
| Credit loss provision to net charge-offs | 429.7994% | 843 |
| Earnings coverage of net charge-offs (x) | 7.8911% | 2,217 |
| Efficiency ratio | 70.6647% | 4,045 |
| Assets per employee ($millions) | 3.8159% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0235% | 2,125 |
| Loan loss allowance to noncurrent loans | 45.6643% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 4.2602% | 1,571 |
| Noncurrent loans to loans | 4.4314% | 1,649 |
| Net loans and leases to total assets | 72.6621% | 2,235 |
| Net loans and leases to deposits | 92.2627% | 1,488 |
| Net loans and leases to core deposits | 100.2727% | 1,986 |
| Total domestic deposits to total assets | 78.7556% | 6,099 |
| Equity capital to assets | 9.5693% | 4,601 |
| Core capital (leverage) ratio | 9.2583% | 4,194 |
| Tier 1 risk-based capital ratio | 11.0283% | 6,211 |
| Total risk-based capital ratio | 12.2857% | 6,193 |
| Memoranda: | ||
| Average total assets | $786,208,330 | 866 |
| Average earning assets | $723,653,670 | 848 |
| Average equity | $73,213,330 | 905 |
| Average total loans | $590,087,330 | 761 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1511% | 4,291 |
| Cost of funding earning assets | 0.9218% | 6,689 |
| Net interest margin | 4.2294% | 1,935 |
| Noninterest income to average assets | 1.1846% | 868 |
| Noninterest expense to average assets | 3.6804% | 1,551 |
| Loan and lease loss provision to assets | 0.7649% | 1,658 |
| Net operating income to assets | 0.6211% | 3,796 |
| Return on assets (ROA) | 0.4957% | 4,546 |
| Pretax return on assets | 0.4957% | 4,973 |
| Return on Equity (ROE) | 5.3980% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.3980% | 2,934 |
| Net charge-offs to loans | 0.0500% | 4,904 |
| Credit loss provision to net charge-offs | 2,027.0270% | 251 |
| Earnings coverage of net charge-offs (x) | 36.7297% | 745 |
| Efficiency ratio | 70.4882% | 4,225 |
| Assets per employee ($millions) | 3.7071% | 4,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8737% | 2,521 |
| Loan loss allowance to noncurrent loans | 44.0848% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 4.2153% | 1,616 |
| Noncurrent loans to loans | 4.2503% | 1,801 |
| Net loans and leases to total assets | 73.8496% | 2,005 |
| Net loans and leases to deposits | 92.3905% | 1,556 |
| Net loans and leases to core deposits | 102.2540% | 1,874 |
| Total domestic deposits to total assets | 79.9320% | 5,804 |
| Equity capital to assets | 9.3544% | 4,753 |
| Core capital (leverage) ratio | 9.0854% | 4,404 |
| Tier 1 risk-based capital ratio | 10.7426% | 6,395 |
| Total risk-based capital ratio | 11.9978% | 6,378 |
| Memoranda: | ||
| Average total assets | $784,368,500 | 886 |
| Average earning assets | $719,920,000 | 876 |
| Average equity | $72,026,500 | 921 |
| Average total loans | $592,229,500 | 781 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1839% | 5,727 |
| Cost of funding earning assets | 1.2172% | 6,596 |
| Net interest margin | 3.9666% | 2,995 |
| Noninterest income to average assets | 1.4383% | 704 |
| Noninterest expense to average assets | 4.1097% | 1,212 |
| Loan and lease loss provision to assets | 0.6953% | 3,037 |
| Net operating income to assets | 0.3096% | 4,499 |
| Return on assets (ROA) | 0.2301% | 4,869 |
| Pretax return on assets | 0.2301% | 4,937 |
| Return on Equity (ROE) | 2.5571% | 4,685 |
| Retained earnings to average equity (ytd only) | 2.5571% | 3,360 |
| Net charge-offs to loans | 0.9158% | 2,558 |
| Credit loss provision to net charge-offs | 98.0682% | 5,682 |
| Earnings coverage of net charge-offs (x) | 1.4174% | 4,708 |
| Efficiency ratio | 78.1705% | 3,166 |
| Assets per employee ($millions) | 3.6927% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5958% | 3,296 |
| Loan loss allowance to noncurrent loans | 52.0829% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 3.3365% | 2,047 |
| Noncurrent loans to loans | 3.0640% | 2,506 |
| Net loans and leases to total assets | 74.5358% | 2,135 |
| Net loans and leases to deposits | 93.2844% | 1,694 |
| Net loans and leases to core deposits | 108.4344% | 3,054 |
| Total domestic deposits to total assets | 79.9018% | 5,698 |
| Equity capital to assets | 9.0136% | 5,127 |
| Core capital (leverage) ratio | 8.9534% | 4,501 |
| Tier 1 risk-based capital ratio | 10.2360% | 6,651 |
| Total risk-based capital ratio | 11.4877% | 6,615 |
| Memoranda: | ||
| Average total assets | $773,947,400 | 883 |
| Average earning assets | $717,281,800 | 872 |
| Average equity | $69,649,200 | 936 |
| Average total loans | $599,158,400 | 789 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1873% | 5,926 |
| Cost of funding earning assets | 1.2641% | 6,673 |
| Net interest margin | 3.9232% | 3,145 |
| Noninterest income to average assets | 1.4643% | 694 |
| Noninterest expense to average assets | 4.1353% | 1,097 |
| Loan and lease loss provision to assets | 0.5944% | 3,010 |
| Net operating income to assets | 0.3912% | 4,432 |
| Return on assets (ROA) | 0.2847% | 4,949 |
| Pretax return on assets | 0.2847% | 5,108 |
| Return on Equity (ROE) | 3.1651% | 4,721 |
| Retained earnings to average equity (ytd only) | 3.1651% | 3,546 |
| Net charge-offs to loans | 0.8990% | 2,169 |
| Credit loss provision to net charge-offs | 84.9295% | 5,624 |
| Earnings coverage of net charge-offs (x) | 1.4083% | 4,726 |
| Efficiency ratio | 78.5552% | 3,068 |
| Assets per employee ($millions) | 3.5085% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 3,507 |
| Loan loss allowance to noncurrent loans | 58.1406% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 3.0663% | 2,245 |
| Noncurrent loans to loans | 2.5592% | 2,949 |
| Net loans and leases to total assets | 77.2651% | 1,728 |
| Net loans and leases to deposits | 97.8044% | 1,350 |
| Net loans and leases to core deposits | 112.4113% | 2,980 |
| Total domestic deposits to total assets | 78.9995% | 5,804 |
| Equity capital to assets | 9.1357% | 5,278 |
| Core capital (leverage) ratio | 9.0311% | 4,602 |
| Tier 1 risk-based capital ratio | 10.0422% | 6,938 |
| Total risk-based capital ratio | 11.2927% | 6,889 |
| Memoranda: | ||
| Average total assets | $769,872,250 | 902 |
| Average earning assets | $717,554,000 | 880 |
| Average equity | $69,254,000 | 959 |
| Average total loans | $599,305,500 | 806 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1596% | 6,227 |
| Cost of funding earning assets | 1.3138% | 6,757 |
| Net interest margin | 3.8458% | 3,353 |
| Noninterest income to average assets | 1.4419% | 719 |
| Noninterest expense to average assets | 4.0886% | 1,202 |
| Loan and lease loss provision to assets | 0.5031% | 3,018 |
| Net operating income to assets | 0.4403% | 4,335 |
| Return on assets (ROA) | 0.2802% | 5,083 |
| Pretax return on assets | 0.2802% | 5,249 |
| Return on Equity (ROE) | 3.1313% | 4,850 |
| Retained earnings to average equity (ytd only) | 3.1313% | 3,573 |
| Net charge-offs to loans | 0.7777% | 2,125 |
| Credit loss provision to net charge-offs | 83.3118% | 5,113 |
| Earnings coverage of net charge-offs (x) | 1.5623% | 4,365 |
| Efficiency ratio | 79.0002% | 3,194 |
| Assets per employee ($millions) | 3.2616% | 5,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5523% | 2,942 |
| Loan loss allowance to noncurrent loans | 50.9816% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 2.9620% | 2,156 |
| Noncurrent loans to loans | 3.0449% | 2,361 |
| Net loans and leases to total assets | 77.7007% | 1,818 |
| Net loans and leases to deposits | 101.0426% | 1,168 |
| Net loans and leases to core deposits | 114.1722% | 2,890 |
| Total domestic deposits to total assets | 76.8989% | 6,352 |
| Equity capital to assets | 8.7522% | 5,683 |
| Core capital (leverage) ratio | 8.9849% | 4,656 |
| Tier 1 risk-based capital ratio | 10.0892% | 6,834 |
| Total risk-based capital ratio | 11.3406% | 6,758 |
| Memoranda: | ||
| Average total assets | $768,033,670 | 918 |
| Average earning assets | $716,995,330 | 893 |
| Average equity | $68,726,330 | 974 |
| Average total loans | $596,356,330 | 834 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1352% | 6,546 |
| Cost of funding earning assets | 1.3986% | 6,734 |
| Net interest margin | 3.7366% | 3,731 |
| Noninterest income to average assets | 1.3540% | 785 |
| Noninterest expense to average assets | 3.9147% | 1,287 |
| Loan and lease loss provision to assets | 0.4441% | 2,701 |
| Net operating income to assets | 0.4787% | 4,529 |
| Return on assets (ROA) | 0.4787% | 4,716 |
| Pretax return on assets | 0.4787% | 5,142 |
| Return on Equity (ROE) | 5.2932% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.2932% | 2,963 |
| Net charge-offs to loans | -0.0577% | 7,740 |
| Credit loss provision to net charge-offs | -998.8372% | 6,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5829% | 3,065 |
| Assets per employee ($millions) | 3.2271% | 5,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 1,891 |
| Loan loss allowance to noncurrent loans | 56.0827% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 2.9837% | 1,891 |
| Noncurrent loans to loans | 3.1795% | 2,038 |
| Net loans and leases to total assets | 75.7203% | 2,340 |
| Net loans and leases to deposits | 95.8062% | 1,979 |
| Net loans and leases to core deposits | 110.1368% | 3,417 |
| Total domestic deposits to total assets | 79.0349% | 5,712 |
| Equity capital to assets | 9.1043% | 5,221 |
| Core capital (leverage) ratio | 8.9877% | 4,729 |
| Tier 1 risk-based capital ratio | 9.7837% | 7,162 |
| Total risk-based capital ratio | 11.0368% | 7,064 |
| Memoranda: | ||
| Average total assets | $773,704,500 | 904 |
| Average earning assets | $721,302,000 | 886 |
| Average equity | $69,976,000 | 964 |
| Average total loans | $595,921,500 | 833 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2898% | 4,019 |
| Cost of funding earning assets | 1.9029% | 6,717 |
| Net interest margin | 4.3869% | 1,728 |
| Noninterest income to average assets | 1.2520% | 941 |
| Noninterest expense to average assets | 4.0540% | 1,339 |
| Loan and lease loss provision to assets | 1.3865% | 1,003 |
| Net operating income to assets | -0.1113% | 6,512 |
| Return on assets (ROA) | -2.9920% | 7,797 |
| Pretax return on assets | -2.9920% | 7,705 |
| Return on Equity (ROE) | -26.6124% | 7,894 |
| Retained earnings to average equity (ytd only) | -37.6508% | 8,018 |
| Net charge-offs to loans | 1.5730% | 731 |
| Credit loss provision to net charge-offs | 117.2298% | 4,595 |
| Earnings coverage of net charge-offs (x) | 1.0782% | 5,589 |
| Efficiency ratio | 74.0365% | 3,568 |
| Assets per employee ($millions) | 3.1422% | 5,645 |
| Cash dividends to net income (ytd only)* | -41.4783% | 8,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 2,171 |
| Loan loss allowance to noncurrent loans | 40.4829% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 3.5422% | 1,253 |
| Noncurrent loans to loans | 3.9947% | 1,230 |
| Net loans and leases to total assets | 75.7048% | 2,707 |
| Net loans and leases to deposits | 105.1770% | 1,201 |
| Net loans and leases to core deposits | 120.5327% | 2,637 |
| Total domestic deposits to total assets | 71.9784% | 7,000 |
| Equity capital to assets | 8.9846% | 5,383 |
| Core capital (leverage) ratio | 8.7858% | 5,062 |
| Tier 1 risk-based capital ratio | 9.9659% | 6,772 |
| Total risk-based capital ratio | 11.2060% | 6,676 |
| Memoranda: | ||
| Average total assets | $805,775,600 | 838 |
| Average earning assets | $748,891,800 | 817 |
| Average equity | $90,593,000 | 734 |
| Average total loans | $605,848,000 | 789 |