Home > Skagit Bank > Performance and Condition Ratios
Skagit Bank, Performance and Condition Ratios
| 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 | 3.8699% | 4,283 |
| Cost of funding earning assets | 0.1755% | 5,116 |
| Net interest margin | 3.6944% | 3,041 |
| Noninterest income to average assets | 0.7745% | 1,561 |
| Noninterest expense to average assets | 2.7406% | 2,840 |
| Loan and lease loss provision to assets | 0.0614% | 2,749 |
| Net operating income to assets | 1.2520% | 2,035 |
| Return on assets (ROA) | 1.2520% | 2,041 |
| Pretax return on assets | 1.4736% | 1,987 |
| Return on Equity (ROE) | 14.4991% | 984 |
| Retained earnings to average equity (ytd only) | 11.0157% | 646 |
| Net charge-offs to loans | -0.0101% | 4,404 |
| Credit loss provision to net charge-offs | -965.9091% | 4,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0997% | 3,167 |
| Assets per employee ($millions) | 5.5367% | 1,879 |
| Cash dividends to net income (ytd only)* | 24.0253% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 3,462 |
| Loan loss allowance to noncurrent loans | 839.8675% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 3,248 |
| Noncurrent loans to loans | 0.1250% | 4,327 |
| Net loans and leases to total assets | 65.0138% | 3,300 |
| Net loans and leases to deposits | 72.8984% | 3,688 |
| Net loans and leases to core deposits | 75.9802% | 3,807 |
| Total domestic deposits to total assets | 89.1840% | 780 |
| Equity capital to assets | 8.9083% | 4,631 |
| Core capital (leverage) ratio | 9.4762% | 4,206 |
| Tier 1 risk-based capital ratio | 12.0931% | 4,453 |
| Total risk-based capital ratio | 12.9935% | 4,533 |
| Memoranda: | ||
| Average total assets | $923,274,750 | 823 |
| Average earning assets | $874,969,750 | 808 |
| Average equity | $79,727,000 | 1,027 |
| Average total loans | $582,808,250 | 922 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8284% | 4,277 |
| Cost of funding earning assets | 0.1708% | 5,150 |
| Net interest margin | 3.6576% | 3,087 |
| Noninterest income to average assets | 0.7328% | 1,725 |
| Noninterest expense to average assets | 2.7346% | 2,890 |
| Loan and lease loss provision to assets | 0.1004% | 1,942 |
| Net operating income to assets | 1.1870% | 2,251 |
| Return on assets (ROA) | 1.1870% | 2,252 |
| Pretax return on assets | 1.3620% | 2,288 |
| Return on Equity (ROE) | 13.8918% | 1,106 |
| Retained earnings to average equity (ytd only) | 9.7582% | 996 |
| Net charge-offs to loans | 0.0142% | 2,663 |
| Credit loss provision to net charge-offs | 1,131.7073% | 372 |
| Earnings coverage of net charge-offs (x) | 164.9024% | 481 |
| Efficiency ratio | 65.1567% | 3,131 |
| Assets per employee ($millions) | 5.1510% | 2,241 |
| Cash dividends to net income (ytd only)* | 29.7558% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 3,525 |
| Loan loss allowance to noncurrent loans | 825.0328% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.3562% | 3,319 |
| Noncurrent loans to loans | 0.1275% | 4,337 |
| Net loans and leases to total assets | 64.2363% | 3,371 |
| Net loans and leases to deposits | 73.0448% | 3,625 |
| Net loans and leases to core deposits | 76.4622% | 3,710 |
| Total domestic deposits to total assets | 87.9409% | 1,414 |
| Equity capital to assets | 8.6533% | 4,841 |
| Core capital (leverage) ratio | 9.2196% | 4,444 |
| Tier 1 risk-based capital ratio | 11.7447% | 4,657 |
| Total risk-based capital ratio | 12.6378% | 4,750 |
| Memoranda: | ||
| Average total assets | $924,667,670 | 821 |
| Average earning assets | $875,765,670 | 806 |
| Average equity | $79,010,670 | 1,033 |
| Average total loans | $575,784,330 | 933 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7849% | 4,265 |
| Cost of funding earning assets | 0.1615% | 5,215 |
| Net interest margin | 3.6234% | 3,095 |
| Noninterest income to average assets | 0.7516% | 1,618 |
| Noninterest expense to average assets | 2.7227% | 2,966 |
| Loan and lease loss provision to assets | 0.0575% | 2,623 |
| Net operating income to assets | 1.2182% | 1,933 |
| Return on assets (ROA) | 1.2182% | 1,941 |
| Pretax return on assets | 1.4013% | 1,993 |
| Return on Equity (ROE) | 14.3469% | 939 |
| Retained earnings to average equity (ytd only) | 14.3469% | 383 |
| Net charge-offs to loans | 0.0177% | 2,156 |
| Credit loss provision to net charge-offs | 532.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 135.0800% | 479 |
| Efficiency ratio | 65.1136% | 3,301 |
| Assets per employee ($millions) | 4.9944% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,662 |
| Loan loss allowance to noncurrent loans | 687.3563% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.5060% | 2,839 |
| Noncurrent loans to loans | 0.1528% | 4,295 |
| Net loans and leases to total assets | 60.9884% | 3,649 |
| Net loans and leases to deposits | 67.9021% | 3,954 |
| Net loans and leases to core deposits | 70.9107% | 4,031 |
| Total domestic deposits to total assets | 89.8180% | 728 |
| Equity capital to assets | 8.5384% | 4,941 |
| Core capital (leverage) ratio | 9.0804% | 4,589 |
| Tier 1 risk-based capital ratio | 12.1982% | 4,433 |
| Total risk-based capital ratio | 13.0914% | 4,542 |
| Memoranda: | ||
| Average total assets | $925,988,500 | 827 |
| Average earning assets | $876,529,000 | 807 |
| Average equity | $78,623,000 | 1,045 |
| Average total loans | $564,391,500 | 950 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7355% | 4,253 |
| Cost of funding earning assets | 0.1697% | 5,154 |
| Net interest margin | 3.5658% | 3,283 |
| Noninterest income to average assets | 0.6423% | 2,243 |
| Noninterest expense to average assets | 2.7802% | 2,847 |
| Loan and lease loss provision to assets | 0.0632% | 2,966 |
| Net operating income to assets | 0.8110% | 3,110 |
| Return on assets (ROA) | 0.8107% | 3,153 |
| Pretax return on assets | 1.1829% | 2,836 |
| Return on Equity (ROE) | 9.6432% | 2,037 |
| Retained earnings to average equity (ytd only) | 2.8703% | 3,595 |
| Net charge-offs to loans | 0.0725% | 2,414 |
| Credit loss provision to net charge-offs | 145.5696% | 1,825 |
| Earnings coverage of net charge-offs (x) | 28.7291% | 1,592 |
| Efficiency ratio | 69.0444% | 2,692 |
| Assets per employee ($millions) | 4.8334% | 2,692 |
| Cash dividends to net income (ytd only)* | 70.2344% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,623 |
| Loan loss allowance to noncurrent loans | 579.0927% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 2,627 |
| Noncurrent loans to loans | 0.1813% | 4,195 |
| Net loans and leases to total assets | 59.6350% | 3,862 |
| Net loans and leases to deposits | 66.5615% | 4,142 |
| Net loans and leases to core deposits | 69.9911% | 4,174 |
| Total domestic deposits to total assets | 89.5939% | 735 |
| Equity capital to assets | 8.4432% | 5,160 |
| Core capital (leverage) ratio | 8.7941% | 4,869 |
| Tier 1 risk-based capital ratio | 12.0928% | 4,469 |
| Total risk-based capital ratio | 12.9932% | 4,575 |
| Memoranda: | ||
| Average total assets | $910,408,600 | 815 |
| Average earning assets | $864,064,800 | 787 |
| Average equity | $76,541,200 | 1,055 |
| Average total loans | $544,946,400 | 940 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7269% | 4,249 |
| Cost of funding earning assets | 0.1713% | 5,186 |
| Net interest margin | 3.5556% | 3,305 |
| Noninterest income to average assets | 0.6503% | 2,208 |
| Noninterest expense to average assets | 2.7874% | 2,774 |
| Loan and lease loss provision to assets | 0.0631% | 2,806 |
| Net operating income to assets | 0.8956% | 3,050 |
| Return on assets (ROA) | 0.8952% | 3,106 |
| Pretax return on assets | 1.1776% | 2,996 |
| Return on Equity (ROE) | 10.6594% | 1,844 |
| Retained earnings to average equity (ytd only) | 4.5403% | 3,194 |
| Net charge-offs to loans | 0.0773% | 2,037 |
| Credit loss provision to net charge-offs | 136.6242% | 1,804 |
| Earnings coverage of net charge-offs (x) | 26.8628% | 1,662 |
| Efficiency ratio | 69.1883% | 2,676 |
| Assets per employee ($millions) | 4.7781% | 2,725 |
| Cash dividends to net income (ytd only)* | 57.4059% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,777 |
| Loan loss allowance to noncurrent loans | 459.7783% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.6205% | 2,654 |
| Noncurrent loans to loans | 0.2289% | 4,149 |
| Net loans and leases to total assets | 59.8256% | 3,888 |
| Net loans and leases to deposits | 67.4315% | 4,151 |
| Net loans and leases to core deposits | 70.9007% | 4,196 |
| Total domestic deposits to total assets | 88.7206% | 1,004 |
| Equity capital to assets | 8.6408% | 5,197 |
| Core capital (leverage) ratio | 8.9471% | 4,806 |
| Tier 1 risk-based capital ratio | 12.2063% | 4,494 |
| Total risk-based capital ratio | 13.1052% | 4,600 |
| Memoranda: | ||
| Average total assets | $906,005,250 | 825 |
| Average earning assets | $860,865,250 | 794 |
| Average equity | $76,087,750 | 1,065 |
| Average total loans | $541,358,500 | 951 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7169% | 4,172 |
| Cost of funding earning assets | 0.1712% | 5,199 |
| Net interest margin | 3.5457% | 3,232 |
| Noninterest income to average assets | 0.6488% | 2,210 |
| Noninterest expense to average assets | 2.7977% | 2,771 |
| Loan and lease loss provision to assets | 0.0770% | 2,440 |
| Net operating income to assets | 0.8787% | 3,023 |
| Return on assets (ROA) | 0.8787% | 3,081 |
| Pretax return on assets | 1.1511% | 2,972 |
| Return on Equity (ROE) | 10.5661% | 1,807 |
| Retained earnings to average equity (ytd only) | 1.2745% | 4,739 |
| Net charge-offs to loans | 0.1123% | 1,509 |
| Credit loss provision to net charge-offs | 115.2318% | 1,833 |
| Earnings coverage of net charge-offs (x) | 18.3775% | 1,882 |
| Efficiency ratio | 69.4938% | 2,767 |
| Assets per employee ($millions) | 4.7299% | 2,748 |
| Cash dividends to net income (ytd only)* | 87.9375% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 3,907 |
| Loan loss allowance to noncurrent loans | 453.2385% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.6772% | 2,515 |
| Noncurrent loans to loans | 0.2292% | 4,207 |
| Net loans and leases to total assets | 60.5189% | 3,789 |
| Net loans and leases to deposits | 67.9354% | 4,080 |
| Net loans and leases to core deposits | 71.4568% | 4,128 |
| Total domestic deposits to total assets | 89.0831% | 918 |
| Equity capital to assets | 8.5088% | 5,301 |
| Core capital (leverage) ratio | 8.6749% | 5,066 |
| Tier 1 risk-based capital ratio | 11.7624% | 4,791 |
| Total risk-based capital ratio | 12.6419% | 4,920 |
| Memoranda: | ||
| Average total assets | $903,804,000 | 838 |
| Average earning assets | $860,822,000 | 799 |
| Average equity | $75,164,670 | 1,077 |
| Average total loans | $537,884,330 | 959 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5836% | 4,460 |
| Cost of funding earning assets | 0.1673% | 5,250 |
| Net interest margin | 3.4163% | 3,594 |
| Noninterest income to average assets | 0.6376% | 2,236 |
| Noninterest expense to average assets | 2.7460% | 2,967 |
| Loan and lease loss provision to assets | 0.1540% | 1,191 |
| Net operating income to assets | 0.7774% | 3,326 |
| Return on assets (ROA) | 0.7774% | 3,385 |
| Pretax return on assets | 1.0084% | 3,329 |
| Return on Equity (ROE) | 9.4574% | 2,205 |
| Retained earnings to average equity (ytd only) | -1.3080% | 5,102 |
| Net charge-offs to loans | 0.0128% | 2,551 |
| Credit loss provision to net charge-offs | 2,047.0588% | 163 |
| Earnings coverage of net charge-offs (x) | 154.5294% | 350 |
| Efficiency ratio | 70.2593% | 2,844 |
| Assets per employee ($millions) | 4.9109% | 2,563 |
| Cash dividends to net income (ytd only)* | 113.8304% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 3,561 |
| Loan loss allowance to noncurrent loans | 361.9591% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.7134% | 2,512 |
| Noncurrent loans to loans | 0.3103% | 4,013 |
| Net loans and leases to total assets | 58.0473% | 3,972 |
| Net loans and leases to deposits | 64.7232% | 4,271 |
| Net loans and leases to core deposits | 68.1286% | 4,292 |
| Total domestic deposits to total assets | 89.6854% | 803 |
| Equity capital to assets | 8.1435% | 5,450 |
| Core capital (leverage) ratio | 8.6270% | 5,124 |
| Tier 1 risk-based capital ratio | 12.1829% | 4,593 |
| Total risk-based capital ratio | 13.1474% | 4,685 |
| Memoranda: | ||
| Average total assets | $904,004,500 | 839 |
| Average earning assets | $865,497,000 | 802 |
| Average equity | $74,312,500 | 1,080 |
| Average total loans | $530,592,500 | 972 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3980% | 4,986 |
| Cost of funding earning assets | 0.1894% | 5,112 |
| Net interest margin | 3.2086% | 4,428 |
| Noninterest income to average assets | 0.4541% | 3,514 |
| Noninterest expense to average assets | 2.5322% | 3,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7525% | 3,526 |
| Return on assets (ROA) | 0.7687% | 3,558 |
| Pretax return on assets | 1.0071% | 3,451 |
| Return on Equity (ROE) | 8.8478% | 2,491 |
| Retained earnings to average equity (ytd only) | 4.5337% | 2,674 |
| Net charge-offs to loans | -0.0683% | 5,474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9796% | 2,590 |
| Assets per employee ($millions) | 4.9424% | 2,453 |
| Cash dividends to net income (ytd only)* | 48.7593% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 3,802 |
| Loan loss allowance to noncurrent loans | 160.6095% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.9781% | 1,936 |
| Noncurrent loans to loans | 0.6751% | 2,843 |
| Net loans and leases to total assets | 58.0439% | 4,063 |
| Net loans and leases to deposits | 65.0721% | 4,326 |
| Net loans and leases to core deposits | 68.3032% | 4,375 |
| Total domestic deposits to total assets | 89.1994% | 1,014 |
| Equity capital to assets | 8.2989% | 5,418 |
| Core capital (leverage) ratio | 8.7084% | 5,065 |
| Tier 1 risk-based capital ratio | 12.4135% | 4,435 |
| Total risk-based capital ratio | 13.3367% | 4,548 |
| Memoranda: | ||
| Average total assets | $870,303,400 | 834 |
| Average earning assets | $831,051,400 | 797 |
| Average equity | $75,611,800 | 1,049 |
| Average total loans | $483,077,800 | 1,003 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3588% | 5,109 |
| Cost of funding earning assets | 0.1946% | 5,127 |
| Net interest margin | 3.1643% | 4,594 |
| Noninterest income to average assets | 0.5318% | 3,038 |
| Noninterest expense to average assets | 2.5286% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7698% | 3,517 |
| Return on assets (ROA) | 0.7913% | 3,549 |
| Pretax return on assets | 1.0528% | 3,417 |
| Return on Equity (ROE) | 9.0034% | 2,487 |
| Retained earnings to average equity (ytd only) | 6.5599% | 1,872 |
| Net charge-offs to loans | -0.0973% | 5,565 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1742% | 2,708 |
| Assets per employee ($millions) | 4.7921% | 2,619 |
| Cash dividends to net income (ytd only)* | 27.1397% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 3,506 |
| Loan loss allowance to noncurrent loans | 304.8611% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.8651% | 2,389 |
| Noncurrent loans to loans | 0.3794% | 3,902 |
| Net loans and leases to total assets | 54.7210% | 4,428 |
| Net loans and leases to deposits | 61.7617% | 4,640 |
| Net loans and leases to core deposits | 64.9237% | 4,674 |
| Total domestic deposits to total assets | 88.6002% | 1,107 |
| Equity capital to assets | 8.7617% | 5,353 |
| Core capital (leverage) ratio | 8.9337% | 4,904 |
| Tier 1 risk-based capital ratio | 13.1988% | 4,036 |
| Total risk-based capital ratio | 14.1793% | 4,113 |
| Memoranda: | ||
| Average total assets | $864,234,000 | 838 |
| Average earning assets | $825,071,500 | 802 |
| Average equity | $75,954,750 | 1,048 |
| Average total loans | $472,611,750 | 1,025 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3738% | 5,135 |
| Cost of funding earning assets | 0.1991% | 5,155 |
| Net interest margin | 3.1747% | 4,625 |
| Noninterest income to average assets | 0.5239% | 3,043 |
| Noninterest expense to average assets | 2.5234% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7688% | 3,455 |
| Return on assets (ROA) | 0.7790% | 3,552 |
| Pretax return on assets | 1.0421% | 3,429 |
| Return on Equity (ROE) | 8.8542% | 2,555 |
| Retained earnings to average equity (ytd only) | 5.1541% | 2,627 |
| Net charge-offs to loans | -0.1203% | 5,678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0429% | 2,814 |
| Assets per employee ($millions) | 4.5652% | 2,916 |
| Cash dividends to net income (ytd only)* | 41.7893% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 3,433 |
| Loan loss allowance to noncurrent loans | 197.6182% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 1.0491% | 2,029 |
| Noncurrent loans to loans | 0.6004% | 3,264 |
| Net loans and leases to total assets | 55.0396% | 4,408 |
| Net loans and leases to deposits | 62.2657% | 4,634 |
| Net loans and leases to core deposits | 65.7282% | 4,629 |
| Total domestic deposits to total assets | 88.3947% | 1,225 |
| Equity capital to assets | 9.0101% | 5,230 |
| Core capital (leverage) ratio | 8.8680% | 4,980 |
| Tier 1 risk-based capital ratio | 13.2370% | 4,054 |
| Total risk-based capital ratio | 14.2325% | 4,121 |
| Memoranda: | ||
| Average total assets | $855,199,330 | 848 |
| Average earning assets | $815,692,670 | 813 |
| Average equity | $75,241,000 | 1,062 |
| Average total loans | $465,663,670 | 1,034 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3350% | 5,249 |
| Cost of funding earning assets | 0.1986% | 5,217 |
| Net interest margin | 3.1365% | 4,760 |
| Noninterest income to average assets | 0.5103% | 3,049 |
| Noninterest expense to average assets | 2.5071% | 4,048 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7393% | 3,541 |
| Return on assets (ROA) | 0.7393% | 3,647 |
| Pretax return on assets | 0.9926% | 3,512 |
| Return on Equity (ROE) | 8.5051% | 2,662 |
| Retained earnings to average equity (ytd only) | 8.5051% | 1,262 |
| Net charge-offs to loans | -0.1667% | 5,799 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6384% | 2,850 |
| Assets per employee ($millions) | 4.8029% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 3,517 |
| Loan loss allowance to noncurrent loans | 142.6663% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 1.1976% | 1,825 |
| Noncurrent loans to loans | 0.8367% | 2,752 |
| Net loans and leases to total assets | 53.4739% | 4,496 |
| Net loans and leases to deposits | 60.2566% | 4,697 |
| Net loans and leases to core deposits | 63.9452% | 4,695 |
| Total domestic deposits to total assets | 88.7436% | 1,229 |
| Equity capital to assets | 8.7808% | 5,355 |
| Core capital (leverage) ratio | 8.9951% | 4,863 |
| Tier 1 risk-based capital ratio | 13.7062% | 3,861 |
| Total risk-based capital ratio | 14.7263% | 3,919 |
| Memoranda: | ||
| Average total assets | $855,954,500 | 855 |
| Average earning assets | $815,825,500 | 818 |
| Average equity | $74,402,500 | 1,068 |
| Average total loans | $460,741,000 | 1,044 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1285% | 5,604 |
| Cost of funding earning assets | 0.2113% | 5,181 |
| Net interest margin | 2.9172% | 5,303 |
| Noninterest income to average assets | 0.5267% | 3,157 |
| Noninterest expense to average assets | 2.4385% | 4,417 |
| Loan and lease loss provision to assets | -0.0133% | 5,640 |
| Net operating income to assets | 0.6724% | 3,941 |
| Return on assets (ROA) | 0.6726% | 4,029 |
| Pretax return on assets | 0.8895% | 3,881 |
| Return on Equity (ROE) | 7.7042% | 3,133 |
| Retained earnings to average equity (ytd only) | 3.6023% | 3,495 |
| Net charge-offs to loans | 0.0399% | 3,427 |
| Credit loss provision to net charge-offs | -65.6805% | 5,082 |
| Earnings coverage of net charge-offs (x) | 43.1243% | 1,104 |
| Efficiency ratio | 73.5741% | 2,646 |
| Assets per employee ($millions) | 4.7876% | 2,625 |
| Cash dividends to net income (ytd only)* | 53.2428% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 3,608 |
| Loan loss allowance to noncurrent loans | 224.5394% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 1.1208% | 1,955 |
| Noncurrent loans to loans | 0.5235% | 3,597 |
| Net loans and leases to total assets | 52.9038% | 4,614 |
| Net loans and leases to deposits | 59.6807% | 4,794 |
| Net loans and leases to core deposits | 63.4214% | 4,773 |
| Total domestic deposits to total assets | 88.6448% | 1,312 |
| Equity capital to assets | 8.6031% | 5,465 |
| Core capital (leverage) ratio | 8.7314% | 5,184 |
| Tier 1 risk-based capital ratio | 13.5739% | 3,965 |
| Total risk-based capital ratio | 14.5663% | 4,040 |
| Memoranda: | ||
| Average total assets | $832,110,800 | 836 |
| Average earning assets | $795,143,000 | 787 |
| Average equity | $72,648,600 | 1,053 |
| Average total loans | $423,318,400 | 1,078 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0911% | 5,719 |
| Cost of funding earning assets | 0.2130% | 5,256 |
| Net interest margin | 2.8782% | 5,452 |
| Noninterest income to average assets | 0.5404% | 3,099 |
| Noninterest expense to average assets | 2.4429% | 4,376 |
| Loan and lease loss provision to assets | -0.0179% | 5,838 |
| Net operating income to assets | 0.6490% | 4,138 |
| Return on assets (ROA) | 0.6493% | 4,249 |
| Pretax return on assets | 0.8697% | 4,095 |
| Return on Equity (ROE) | 7.4095% | 3,396 |
| Retained earnings to average equity (ytd only) | 4.7440% | 3,097 |
| Net charge-offs to loans | -0.1127% | 5,829 |
| Credit loss provision to net charge-offs | 31.6239% | 3,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1571% | 2,527 |
| Assets per employee ($millions) | 4.6955% | 2,715 |
| Cash dividends to net income (ytd only)* | 35.9732% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 2,886 |
| Loan loss allowance to noncurrent loans | 151.4418% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 1.0028% | 2,356 |
| Noncurrent loans to loans | 0.8879% | 2,758 |
| Net loans and leases to total assets | 51.6342% | 4,787 |
| Net loans and leases to deposits | 58.4013% | 4,960 |
| Net loans and leases to core deposits | 62.1367% | 4,933 |
| Total domestic deposits to total assets | 88.4129% | 1,331 |
| Equity capital to assets | 8.8351% | 5,455 |
| Core capital (leverage) ratio | 8.9300% | 5,084 |
| Tier 1 risk-based capital ratio | 14.0341% | 3,823 |
| Total risk-based capital ratio | 15.1585% | 3,843 |
| Memoranda: | ||
| Average total assets | $827,091,500 | 852 |
| Average earning assets | $791,359,500 | 796 |
| Average equity | $72,482,000 | 1,059 |
| Average total loans | $415,097,500 | 1,106 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0548% | 5,794 |
| Cost of funding earning assets | 0.2143% | 5,316 |
| Net interest margin | 2.8405% | 5,542 |
| Noninterest income to average assets | 0.5683% | 2,918 |
| Noninterest expense to average assets | 2.4300% | 4,462 |
| Loan and lease loss provision to assets | -0.0269% | 5,990 |
| Net operating income to assets | 0.6573% | 4,092 |
| Return on assets (ROA) | 0.6579% | 4,191 |
| Pretax return on assets | 0.8843% | 4,014 |
| Return on Equity (ROE) | 7.5276% | 3,304 |
| Retained earnings to average equity (ytd only) | 3.5042% | 3,806 |
| Net charge-offs to loans | -0.1330% | 5,886 |
| Credit loss provision to net charge-offs | 40.9594% | 2,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9368% | 2,685 |
| Assets per employee ($millions) | 4.8247% | 2,509 |
| Cash dividends to net income (ytd only)* | 53.4489% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 2,795 |
| Loan loss allowance to noncurrent loans | 144.2566% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.0441% | 2,418 |
| Noncurrent loans to loans | 0.9660% | 2,716 |
| Net loans and leases to total assets | 49.4747% | 4,979 |
| Net loans and leases to deposits | 55.8037% | 5,130 |
| Net loans and leases to core deposits | 59.3890% | 5,112 |
| Total domestic deposits to total assets | 88.6584% | 1,323 |
| Equity capital to assets | 8.6961% | 5,527 |
| Core capital (leverage) ratio | 8.8453% | 5,163 |
| Tier 1 risk-based capital ratio | 14.1921% | 3,820 |
| Total risk-based capital ratio | 15.3344% | 3,804 |
| Memoranda: | ||
| Average total assets | $824,188,670 | 858 |
| Average earning assets | $788,721,670 | 805 |
| Average equity | $72,028,000 | 1,068 |
| Average total loans | $407,649,670 | 1,127 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0121% | 5,882 |
| Cost of funding earning assets | 0.2138% | 5,377 |
| Net interest margin | 2.7983% | 5,644 |
| Noninterest income to average assets | 0.6170% | 2,564 |
| Noninterest expense to average assets | 2.4686% | 4,373 |
| Loan and lease loss provision to assets | -0.0541% | 6,167 |
| Net operating income to assets | 0.6540% | 4,030 |
| Return on assets (ROA) | 0.6540% | 4,150 |
| Pretax return on assets | 0.8790% | 3,968 |
| Return on Equity (ROE) | 7.4653% | 3,237 |
| Retained earnings to average equity (ytd only) | 6.3535% | 2,309 |
| Net charge-offs to loans | -0.1686% | 6,009 |
| Credit loss provision to net charge-offs | 65.2941% | 1,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9519% | 2,657 |
| Assets per employee ($millions) | 4.8386% | 2,571 |
| Cash dividends to net income (ytd only)* | 14.8920% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 2,866 |
| Loan loss allowance to noncurrent loans | 138.9471% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 1.0964% | 2,438 |
| Noncurrent loans to loans | 1.0160% | 2,735 |
| Net loans and leases to total assets | 47.8383% | 5,051 |
| Net loans and leases to deposits | 53.8455% | 5,205 |
| Net loans and leases to core deposits | 57.0584% | 5,184 |
| Total domestic deposits to total assets | 88.8438% | 1,367 |
| Equity capital to assets | 8.7262% | 5,559 |
| Core capital (leverage) ratio | 8.9534% | 5,005 |
| Tier 1 risk-based capital ratio | 14.8610% | 3,504 |
| Total risk-based capital ratio | 16.0387% | 3,477 |
| Memoranda: | ||
| Average total assets | $821,362,500 | 860 |
| Average earning assets | $785,627,500 | 812 |
| Average equity | $71,960,000 | 1,069 |
| Average total loans | $403,293,000 | 1,137 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1798% | 5,858 |
| Cost of funding earning assets | 0.2377% | 5,447 |
| Net interest margin | 2.9420% | 5,564 |
| Noninterest income to average assets | 0.6275% | 2,696 |
| Noninterest expense to average assets | 2.4360% | 4,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7543% | 3,608 |
| Return on assets (ROA) | 0.7543% | 3,709 |
| Pretax return on assets | 0.9933% | 3,522 |
| Return on Equity (ROE) | 8.5063% | 2,831 |
| Retained earnings to average equity (ytd only) | 4.2489% | 3,166 |
| Net charge-offs to loans | -0.0604% | 5,991 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0337% | 3,367 |
| Assets per employee ($millions) | 4.7397% | 2,669 |
| Cash dividends to net income (ytd only)* | 50.0503% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 2,948 |
| Loan loss allowance to noncurrent loans | 134.9115% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.1941% | 2,386 |
| Noncurrent loans to loans | 1.0383% | 2,749 |
| Net loans and leases to total assets | 48.9970% | 5,066 |
| Net loans and leases to deposits | 55.6055% | 5,204 |
| Net loans and leases to core deposits | 58.9871% | 5,201 |
| Total domestic deposits to total assets | 88.1154% | 1,712 |
| Equity capital to assets | 8.7969% | 5,492 |
| Core capital (leverage) ratio | 8.9930% | 5,014 |
| Tier 1 risk-based capital ratio | 14.9426% | 3,521 |
| Total risk-based capital ratio | 16.1336% | 3,485 |
| Memoranda: | ||
| Average total assets | $790,156,000 | 857 |
| Average earning assets | $752,505,000 | 814 |
| Average equity | $70,065,400 | 1,048 |
| Average total loans | $384,082,000 | 1,156 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1927% | 5,908 |
| Cost of funding earning assets | 0.2416% | 5,492 |
| Net interest margin | 2.9511% | 5,600 |
| Noninterest income to average assets | 0.6569% | 2,538 |
| Noninterest expense to average assets | 2.4350% | 4,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7727% | 3,551 |
| Return on assets (ROA) | 0.7727% | 3,662 |
| Pretax return on assets | 1.0307% | 3,464 |
| Return on Equity (ROE) | 8.6966% | 2,846 |
| Retained earnings to average equity (ytd only) | 5.9213% | 2,459 |
| Net charge-offs to loans | -0.0601% | 5,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2602% | 3,466 |
| Assets per employee ($millions) | 4.6443% | 2,742 |
| Cash dividends to net income (ytd only)* | 31.9120% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 3,095 |
| Loan loss allowance to noncurrent loans | 163.0441% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 1.2008% | 2,552 |
| Noncurrent loans to loans | 0.8685% | 3,395 |
| Net loans and leases to total assets | 49.5047% | 5,054 |
| Net loans and leases to deposits | 56.4566% | 5,209 |
| Net loans and leases to core deposits | 59.8206% | 5,204 |
| Total domestic deposits to total assets | 87.6863% | 1,930 |
| Equity capital to assets | 9.0861% | 5,262 |
| Core capital (leverage) ratio | 9.2468% | 4,713 |
| Tier 1 risk-based capital ratio | 15.1352% | 3,511 |
| Total risk-based capital ratio | 16.3269% | 3,480 |
| Memoranda: | ||
| Average total assets | $785,072,250 | 862 |
| Average earning assets | $747,225,250 | 827 |
| Average equity | $69,757,250 | 1,056 |
| Average total loans | $379,413,000 | 1,176 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1666% | 5,989 |
| Cost of funding earning assets | 0.2437% | 5,551 |
| Net interest margin | 2.9229% | 5,694 |
| Noninterest income to average assets | 0.6608% | 2,482 |
| Noninterest expense to average assets | 2.4187% | 4,830 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7713% | 3,459 |
| Return on assets (ROA) | 0.7713% | 3,565 |
| Pretax return on assets | 1.0253% | 3,372 |
| Return on Equity (ROE) | 8.7466% | 2,716 |
| Retained earnings to average equity (ytd only) | 5.1301% | 2,880 |
| Net charge-offs to loans | -0.0080% | 5,272 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2293% | 3,619 |
| Assets per employee ($millions) | 4.6548% | 2,690 |
| Cash dividends to net income (ytd only)* | 41.3474% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4296% | 3,200 |
| Loan loss allowance to noncurrent loans | 126.3685% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 1.3014% | 2,508 |
| Noncurrent loans to loans | 1.1313% | 2,961 |
| Net loans and leases to total assets | 47.8328% | 5,186 |
| Net loans and leases to deposits | 54.5110% | 5,319 |
| Net loans and leases to core deposits | 57.8457% | 5,283 |
| Total domestic deposits to total assets | 87.7489% | 2,060 |
| Equity capital to assets | 8.9599% | 5,343 |
| Core capital (leverage) ratio | 9.0453% | 4,952 |
| Tier 1 risk-based capital ratio | 15.4034% | 3,410 |
| Total risk-based capital ratio | 16.6052% | 3,389 |
| Memoranda: | ||
| Average total assets | $785,136,000 | 864 |
| Average earning assets | $747,610,330 | 823 |
| Average equity | $69,238,000 | 1,053 |
| Average total loans | $374,506,000 | 1,178 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0891% | 6,141 |
| Cost of funding earning assets | 0.2430% | 5,656 |
| Net interest margin | 2.8460% | 5,853 |
| Noninterest income to average assets | 0.6798% | 2,287 |
| Noninterest expense to average assets | 2.3907% | 4,956 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7535% | 3,400 |
| Return on assets (ROA) | 0.7535% | 3,482 |
| Pretax return on assets | 0.9981% | 3,325 |
| Return on Equity (ROE) | 8.6133% | 2,636 |
| Retained earnings to average equity (ytd only) | 8.6133% | 1,381 |
| Net charge-offs to loans | -0.0247% | 5,456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5476% | 3,738 |
| Assets per employee ($millions) | 4.7643% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 3,338 |
| Loan loss allowance to noncurrent loans | 92.1004% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.5592% | 2,265 |
| Noncurrent loans to loans | 1.5832% | 2,443 |
| Net loans and leases to total assets | 46.4250% | 5,287 |
| Net loans and leases to deposits | 52.2050% | 5,444 |
| Net loans and leases to core deposits | 55.4245% | 5,398 |
| Total domestic deposits to total assets | 88.9283% | 1,706 |
| Equity capital to assets | 8.7998% | 5,339 |
| Core capital (leverage) ratio | 9.0521% | 4,932 |
| Tier 1 risk-based capital ratio | 15.5784% | 3,392 |
| Total risk-based capital ratio | 16.8009% | 3,378 |
| Memoranda: | ||
| Average total assets | $786,699,500 | 866 |
| Average earning assets | $748,827,500 | 832 |
| Average equity | $68,823,500 | 1,058 |
| Average total loans | $372,018,000 | 1,188 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2779% | 6,031 |
| Cost of funding earning assets | 0.2895% | 5,678 |
| Net interest margin | 2.9884% | 5,605 |
| Noninterest income to average assets | 0.5633% | 3,306 |
| Noninterest expense to average assets | 2.2735% | 5,450 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8691% | 2,930 |
| Return on assets (ROA) | 0.8691% | 3,011 |
| Pretax return on assets | 1.1383% | 2,815 |
| Return on Equity (ROE) | 9.6785% | 2,248 |
| Retained earnings to average equity (ytd only) | 1.4334% | 5,179 |
| Net charge-offs to loans | 0.0156% | 5,133 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 156.8214% | 295 |
| Efficiency ratio | 66.6363% | 4,447 |
| Assets per employee ($millions) | 4.6858% | 2,610 |
| Cash dividends to net income (ytd only)* | 85.1902% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4565% | 3,391 |
| Loan loss allowance to noncurrent loans | 86.7404% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.6190% | 2,295 |
| Noncurrent loans to loans | 1.6791% | 2,391 |
| Net loans and leases to total assets | 46.7754% | 5,412 |
| Net loans and leases to deposits | 52.7297% | 5,567 |
| Net loans and leases to core deposits | 56.1502% | 5,522 |
| Total domestic deposits to total assets | 88.7080% | 1,798 |
| Equity capital to assets | 8.6965% | 5,374 |
| Core capital (leverage) ratio | 8.7439% | 5,365 |
| Tier 1 risk-based capital ratio | 15.1740% | 3,560 |
| Total risk-based capital ratio | 16.3856% | 3,530 |
| Memoranda: | ||
| Average total assets | $771,494,200 | 867 |
| Average earning assets | $735,376,200 | 824 |
| Average equity | $69,277,400 | 1,032 |
| Average total loans | $358,353,200 | 1,192 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2513% | 6,132 |
| Cost of funding earning assets | 0.2978% | 5,756 |
| Net interest margin | 2.9535% | 5,690 |
| Noninterest income to average assets | 0.5613% | 3,383 |
| Noninterest expense to average assets | 2.2256% | 5,544 |
| Loan and lease loss provision to assets | 0.0780% | 3,500 |
| Net operating income to assets | 0.8212% | 3,247 |
| Return on assets (ROA) | 0.8212% | 3,366 |
| Pretax return on assets | 1.0731% | 3,215 |
| Return on Equity (ROE) | 9.0728% | 2,598 |
| Retained earnings to average equity (ytd only) | 1.0615% | 5,548 |
| Net charge-offs to loans | 0.0023% | 5,169 |
| Credit loss provision to net charge-offs | 7,500.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 1,106.1388% | 38 |
| Efficiency ratio | 65.9099% | 4,504 |
| Assets per employee ($millions) | 4.6247% | 2,670 |
| Cash dividends to net income (ytd only)* | 88.2999% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 3,000 |
| Loan loss allowance to noncurrent loans | 86.3404% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.6885% | 2,437 |
| Noncurrent loans to loans | 1.8536% | 2,429 |
| Net loans and leases to total assets | 46.4918% | 5,492 |
| Net loans and leases to deposits | 52.7266% | 5,655 |
| Net loans and leases to core deposits | 56.1898% | 5,608 |
| Total domestic deposits to total assets | 88.1752% | 2,013 |
| Equity capital to assets | 8.5630% | 5,670 |
| Core capital (leverage) ratio | 8.8564% | 5,316 |
| Tier 1 risk-based capital ratio | 14.9548% | 3,779 |
| Total risk-based capital ratio | 16.2055% | 3,728 |
| Memoranda: | ||
| Average total assets | $768,736,250 | 879 |
| Average earning assets | $732,815,000 | 830 |
| Average equity | $69,583,750 | 1,035 |
| Average total loans | $355,081,500 | 1,206 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1739% | 6,259 |
| Cost of funding earning assets | 0.3102% | 5,749 |
| Net interest margin | 2.8637% | 5,865 |
| Noninterest income to average assets | 0.5936% | 3,232 |
| Noninterest expense to average assets | 2.2594% | 5,479 |
| Loan and lease loss provision to assets | 0.0785% | 3,490 |
| Net operating income to assets | 0.7666% | 3,486 |
| Return on assets (ROA) | 0.7666% | 3,641 |
| Pretax return on assets | 0.9897% | 3,556 |
| Return on Equity (ROE) | 8.3156% | 2,938 |
| Retained earnings to average equity (ytd only) | 2.2676% | 4,837 |
| Net charge-offs to loans | -0.0280% | 6,081 |
| Credit loss provision to net charge-offs | -612.2449% | 5,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8984% | 4,198 |
| Assets per employee ($millions) | 4.4113% | 2,961 |
| Cash dividends to net income (ytd only)* | 72.7304% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6360% | 3,023 |
| Loan loss allowance to noncurrent loans | 68.3796% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.9839% | 2,167 |
| Noncurrent loans to loans | 2.3926% | 1,964 |
| Net loans and leases to total assets | 46.0788% | 5,522 |
| Net loans and leases to deposits | 52.4438% | 5,650 |
| Net loans and leases to core deposits | 55.9412% | 5,599 |
| Total domestic deposits to total assets | 87.8633% | 2,347 |
| Equity capital to assets | 9.0078% | 5,206 |
| Core capital (leverage) ratio | 9.0154% | 4,957 |
| Tier 1 risk-based capital ratio | 15.5128% | 3,473 |
| Total risk-based capital ratio | 16.7639% | 3,426 |
| Memoranda: | ||
| Average total assets | $764,458,330 | 882 |
| Average earning assets | $729,824,670 | 837 |
| Average equity | $70,469,670 | 1,025 |
| Average total loans | $350,350,000 | 1,212 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1617% | 6,342 |
| Cost of funding earning assets | 0.3285% | 5,730 |
| Net interest margin | 2.8331% | 5,963 |
| Noninterest income to average assets | 0.5651% | 3,343 |
| Noninterest expense to average assets | 2.2025% | 5,686 |
| Loan and lease loss provision to assets | 0.0782% | 3,332 |
| Net operating income to assets | 0.7700% | 3,331 |
| Return on assets (ROA) | 0.7700% | 3,472 |
| Pretax return on assets | 0.9952% | 3,373 |
| Return on Equity (ROE) | 8.2593% | 2,839 |
| Retained earnings to average equity (ytd only) | 3.5061% | 4,138 |
| Net charge-offs to loans | -0.0909% | 6,403 |
| Credit loss provision to net charge-offs | -189.8734% | 5,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2342% | 4,456 |
| Assets per employee ($millions) | 4.5504% | 2,884 |
| Cash dividends to net income (ytd only)* | 57.5491% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6398% | 3,235 |
| Loan loss allowance to noncurrent loans | 40.1764% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 2.1490% | 2,186 |
| Noncurrent loans to loans | 4.0814% | 1,095 |
| Net loans and leases to total assets | 44.1604% | 5,644 |
| Net loans and leases to deposits | 50.2769% | 5,766 |
| Net loans and leases to core deposits | 53.7525% | 5,690 |
| Total domestic deposits to total assets | 87.8344% | 2,427 |
| Equity capital to assets | 9.2389% | 5,212 |
| Core capital (leverage) ratio | 8.9857% | 4,909 |
| Tier 1 risk-based capital ratio | 15.6520% | 3,450 |
| Total risk-based capital ratio | 16.9029% | 3,413 |
| Memoranda: | ||
| Average total assets | $767,314,500 | 883 |
| Average earning assets | $734,168,000 | 838 |
| Average equity | $71,531,500 | 1,019 |
| Average total loans | $347,807,000 | 1,217 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5014% | 6,354 |
| Cost of funding earning assets | 0.4097% | 5,850 |
| Net interest margin | 3.0918% | 5,836 |
| Noninterest income to average assets | 0.5922% | 3,320 |
| Noninterest expense to average assets | 2.2972% | 5,699 |
| Loan and lease loss provision to assets | 0.1208% | 4,105 |
| Net operating income to assets | 0.8817% | 2,906 |
| Return on assets (ROA) | 0.8839% | 3,139 |
| Pretax return on assets | 1.1355% | 3,033 |
| Return on Equity (ROE) | 9.1647% | 2,550 |
| Retained earnings to average equity (ytd only) | 1.5785% | 5,083 |
| Net charge-offs to loans | 0.1760% | 3,968 |
| Credit loss provision to net charge-offs | 145.8671% | 1,872 |
| Earnings coverage of net charge-offs (x) | 15.1329% | 1,672 |
| Efficiency ratio | 64.6981% | 4,758 |
| Assets per employee ($millions) | 4.5847% | 2,811 |
| Cash dividends to net income (ytd only)* | 82.7764% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 3,445 |
| Loan loss allowance to noncurrent loans | 39.4800% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 2.1529% | 2,274 |
| Noncurrent loans to loans | 3.9750% | 1,187 |
| Net loans and leases to total assets | 45.0479% | 5,721 |
| Net loans and leases to deposits | 51.6284% | 5,831 |
| Net loans and leases to core deposits | 55.4132% | 5,761 |
| Total domestic deposits to total assets | 87.2542% | 2,675 |
| Equity capital to assets | 9.4071% | 4,990 |
| Core capital (leverage) ratio | 8.9026% | 5,038 |
| Tier 1 risk-based capital ratio | 15.5456% | 3,397 |
| Total risk-based capital ratio | 16.7960% | 3,362 |
| Memoranda: | ||
| Average total assets | $744,895,600 | 893 |
| Average earning assets | $712,795,400 | 843 |
| Average equity | $71,841,200 | 982 |
| Average total loans | $350,523,800 | 1,195 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5595% | 6,442 |
| Cost of funding earning assets | 0.4256% | 5,955 |
| Net interest margin | 3.1339% | 5,854 |
| Noninterest income to average assets | 0.5973% | 3,293 |
| Noninterest expense to average assets | 2.2822% | 5,733 |
| Loan and lease loss provision to assets | 0.1620% | 3,485 |
| Net operating income to assets | 0.8919% | 3,023 |
| Return on assets (ROA) | 0.8919% | 3,260 |
| Pretax return on assets | 1.1507% | 3,155 |
| Return on Equity (ROE) | 9.1899% | 2,713 |
| Retained earnings to average equity (ytd only) | 5.6575% | 2,920 |
| Net charge-offs to loans | 0.1804% | 3,671 |
| Credit loss provision to net charge-offs | 189.4737% | 1,462 |
| Earnings coverage of net charge-offs (x) | 15.3557% | 1,766 |
| Efficiency ratio | 63.4844% | 4,891 |
| Assets per employee ($millions) | 4.5675% | 2,797 |
| Cash dividends to net income (ytd only)* | 38.4383% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6087% | 3,484 |
| Loan loss allowance to noncurrent loans | 37.5494% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 2.3843% | 2,234 |
| Noncurrent loans to loans | 4.2842% | 1,137 |
| Net loans and leases to total assets | 45.7908% | 5,786 |
| Net loans and leases to deposits | 53.0525% | 5,885 |
| Net loans and leases to core deposits | 57.1336% | 5,799 |
| Total domestic deposits to total assets | 86.3122% | 3,081 |
| Equity capital to assets | 9.9093% | 4,636 |
| Core capital (leverage) ratio | 9.3127% | 4,561 |
| Tier 1 risk-based capital ratio | 16.0409% | 3,241 |
| Total risk-based capital ratio | 17.2916% | 3,210 |
| Memoranda: | ||
| Average total assets | $740,855,500 | 907 |
| Average earning assets | $708,629,500 | 856 |
| Average equity | $71,903,250 | 988 |
| Average total loans | $351,078,250 | 1,193 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6022% | 6,483 |
| Cost of funding earning assets | 0.4420% | 6,019 |
| Net interest margin | 3.1602% | 5,842 |
| Noninterest income to average assets | 0.6091% | 3,201 |
| Noninterest expense to average assets | 2.2793% | 5,799 |
| Loan and lease loss provision to assets | 0.1626% | 3,481 |
| Net operating income to assets | 0.9096% | 2,866 |
| Return on assets (ROA) | 0.9096% | 3,131 |
| Pretax return on assets | 1.1852% | 2,997 |
| Return on Equity (ROE) | 9.4392% | 2,599 |
| Retained earnings to average equity (ytd only) | 4.6451% | 3,518 |
| Net charge-offs to loans | 0.1375% | 3,820 |
| Credit loss provision to net charge-offs | 247.9339% | 1,165 |
| Earnings coverage of net charge-offs (x) | 20.5537% | 1,383 |
| Efficiency ratio | 62.8418% | 5,110 |
| Assets per employee ($millions) | 4.5279% | 2,847 |
| Cash dividends to net income (ytd only)* | 50.7894% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5732% | 3,696 |
| Loan loss allowance to noncurrent loans | 38.4685% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 2.2753% | 2,458 |
| Noncurrent loans to loans | 4.0897% | 1,340 |
| Net loans and leases to total assets | 46.4006% | 5,788 |
| Net loans and leases to deposits | 53.9785% | 5,865 |
| Net loans and leases to core deposits | 58.5069% | 5,735 |
| Total domestic deposits to total assets | 85.9613% | 3,372 |
| Equity capital to assets | 9.6537% | 4,825 |
| Core capital (leverage) ratio | 9.2701% | 4,494 |
| Tier 1 risk-based capital ratio | 15.5691% | 3,395 |
| Total risk-based capital ratio | 16.8196% | 3,357 |
| Memoranda: | ||
| Average total assets | $738,119,670 | 911 |
| Average earning assets | $704,900,670 | 856 |
| Average equity | $71,128,670 | 990 |
| Average total loans | $351,901,000 | 1,190 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6247% | 6,545 |
| Cost of funding earning assets | 0.4722% | 6,002 |
| Net interest margin | 3.1525% | 5,904 |
| Noninterest income to average assets | 0.6210% | 3,097 |
| Noninterest expense to average assets | 2.3211% | 5,716 |
| Loan and lease loss provision to assets | 0.1636% | 3,345 |
| Net operating income to assets | 0.8784% | 3,024 |
| Return on assets (ROA) | 0.8784% | 3,246 |
| Pretax return on assets | 1.1395% | 3,165 |
| Return on Equity (ROE) | 9.1234% | 2,773 |
| Retained earnings to average equity (ytd only) | 7.9908% | 1,984 |
| Net charge-offs to loans | 0.1444% | 3,232 |
| Credit loss provision to net charge-offs | 236.2205% | 1,199 |
| Earnings coverage of net charge-offs (x) | 18.8189% | 1,248 |
| Efficiency ratio | 64.0439% | 4,915 |
| Assets per employee ($millions) | 4.4550% | 3,078 |
| Cash dividends to net income (ytd only)* | 12.4146% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 4,020 |
| Loan loss allowance to noncurrent loans | 32.6745% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 2.6839% | 2,199 |
| Noncurrent loans to loans | 4.6878% | 1,215 |
| Net loans and leases to total assets | 46.2798% | 5,749 |
| Net loans and leases to deposits | 53.6705% | 5,843 |
| Net loans and leases to core deposits | 58.1801% | 5,699 |
| Total domestic deposits to total assets | 86.2296% | 3,395 |
| Equity capital to assets | 9.5665% | 4,701 |
| Core capital (leverage) ratio | 9.3128% | 4,341 |
| Tier 1 risk-based capital ratio | 15.4170% | 3,490 |
| Total risk-based capital ratio | 16.6516% | 3,467 |
| Memoranda: | ||
| Average total assets | $733,627,500 | 914 |
| Average earning assets | $698,870,000 | 868 |
| Average equity | $70,631,500 | 991 |
| Average total loans | $351,750,500 | 1,193 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8575% | 6,667 |
| Cost of funding earning assets | 0.6514% | 5,817 |
| Net interest margin | 3.2061% | 6,075 |
| Noninterest income to average assets | 0.4939% | 3,893 |
| Noninterest expense to average assets | 2.3938% | 5,791 |
| Loan and lease loss provision to assets | 0.1729% | 4,466 |
| Net operating income to assets | 0.8031% | 3,026 |
| Return on assets (ROA) | 0.8032% | 3,190 |
| Pretax return on assets | 0.9815% | 3,313 |
| Return on Equity (ROE) | 8.3380% | 2,746 |
| Retained earnings to average equity (ytd only) | 2.8777% | 4,205 |
| Net charge-offs to loans | 0.8743% | 1,986 |
| Credit loss provision to net charge-offs | 39.3280% | 5,634 |
| Earnings coverage of net charge-offs (x) | 2.6250% | 3,901 |
| Efficiency ratio | 67.4665% | 4,472 |
| Assets per employee ($millions) | 4.4372% | 3,009 |
| Cash dividends to net income (ytd only)* | 65.4870% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 4,170 |
| Loan loss allowance to noncurrent loans | 31.3988% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 2.8902% | 2,088 |
| Noncurrent loans to loans | 4.6653% | 1,267 |
| Net loans and leases to total assets | 48.2043% | 5,802 |
| Net loans and leases to deposits | 56.1898% | 5,876 |
| Net loans and leases to core deposits | 60.7265% | 5,778 |
| Total domestic deposits to total assets | 85.7884% | 3,436 |
| Equity capital to assets | 9.6907% | 4,612 |
| Core capital (leverage) ratio | 9.1995% | 4,470 |
| Tier 1 risk-based capital ratio | 15.1408% | 3,551 |
| Total risk-based capital ratio | 16.3403% | 3,548 |
| Memoranda: | ||
| Average total assets | $710,625,600 | 919 |
| Average earning assets | $676,966,600 | 881 |
| Average equity | $68,458,000 | 984 |
| Average total loans | $357,419,200 | 1,189 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8509% | 6,786 |
| Cost of funding earning assets | 0.6906% | 5,823 |
| Net interest margin | 3.1602% | 6,259 |
| Noninterest income to average assets | 0.4823% | 4,020 |
| Noninterest expense to average assets | 2.4312% | 5,687 |
| Loan and lease loss provision to assets | 0.1327% | 4,771 |
| Net operating income to assets | 0.7474% | 3,392 |
| Return on assets (ROA) | 0.7474% | 3,557 |
| Pretax return on assets | 0.9272% | 3,666 |
| Return on Equity (ROE) | 7.7705% | 3,150 |
| Retained earnings to average equity (ytd only) | 4.1909% | 3,750 |
| Net charge-offs to loans | 0.7688% | 2,029 |
| Credit loss provision to net charge-offs | 34.0755% | 5,355 |
| Earnings coverage of net charge-offs (x) | 2.7222% | 3,766 |
| Efficiency ratio | 69.6394% | 4,011 |
| Assets per employee ($millions) | 4.3934% | 3,085 |
| Cash dividends to net income (ytd only)* | 46.0666% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 3,619 |
| Loan loss allowance to noncurrent loans | 33.0443% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 3.1090% | 2,057 |
| Noncurrent loans to loans | 4.8698% | 1,303 |
| Net loans and leases to total assets | 48.5134% | 5,896 |
| Net loans and leases to deposits | 57.3600% | 5,908 |
| Net loans and leases to core deposits | 61.8426% | 5,825 |
| Total domestic deposits to total assets | 84.5771% | 3,976 |
| Equity capital to assets | 9.8564% | 4,537 |
| Core capital (leverage) ratio | 9.3364% | 4,402 |
| Tier 1 risk-based capital ratio | 15.0887% | 3,615 |
| Total risk-based capital ratio | 16.3395% | 3,581 |
| Memoranda: | ||
| Average total assets | $707,466,250 | 929 |
| Average earning assets | $673,561,000 | 888 |
| Average equity | $68,050,250 | 996 |
| Average total loans | $358,317,250 | 1,197 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8631% | 6,852 |
| Cost of funding earning assets | 0.7204% | 5,829 |
| Net interest margin | 3.1427% | 6,296 |
| Noninterest income to average assets | 0.5407% | 3,550 |
| Noninterest expense to average assets | 2.4821% | 5,607 |
| Loan and lease loss provision to assets | 0.1363% | 4,606 |
| Net operating income to assets | 0.7509% | 3,284 |
| Return on assets (ROA) | 0.7509% | 3,408 |
| Pretax return on assets | 0.9131% | 3,571 |
| Return on Equity (ROE) | 7.8734% | 2,998 |
| Retained earnings to average equity (ytd only) | 3.9158% | 3,699 |
| Net charge-offs to loans | 0.7263% | 2,059 |
| Credit loss provision to net charge-offs | 36.7050% | 4,874 |
| Earnings coverage of net charge-offs (x) | 2.8268% | 3,432 |
| Efficiency ratio | 70.2859% | 4,052 |
| Assets per employee ($millions) | 4.3382% | 3,100 |
| Cash dividends to net income (ytd only)* | 50.2652% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7682% | 3,098 |
| Loan loss allowance to noncurrent loans | 41.1517% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 2.8607% | 2,347 |
| Noncurrent loans to loans | 4.2968% | 1,569 |
| Net loans and leases to total assets | 49.1258% | 5,931 |
| Net loans and leases to deposits | 57.1577% | 6,033 |
| Net loans and leases to core deposits | 61.5047% | 5,940 |
| Total domestic deposits to total assets | 85.9477% | 3,355 |
| Equity capital to assets | 9.7184% | 4,513 |
| Core capital (leverage) ratio | 9.2115% | 4,385 |
| Tier 1 risk-based capital ratio | 14.8960% | 3,553 |
| Total risk-based capital ratio | 16.1482% | 3,522 |
| Memoranda: | ||
| Average total assets | $703,113,330 | 943 |
| Average earning assets | $669,096,330 | 905 |
| Average equity | $67,061,000 | 1,006 |
| Average total loans | $359,333,670 | 1,209 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8112% | 6,944 |
| Cost of funding earning assets | 0.7540% | 5,834 |
| Net interest margin | 3.0573% | 6,445 |
| Noninterest income to average assets | 0.4536% | 4,251 |
| Noninterest expense to average assets | 2.4561% | 5,720 |
| Loan and lease loss provision to assets | 0.1854% | 3,756 |
| Net operating income to assets | 0.5968% | 4,049 |
| Return on assets (ROA) | 0.5968% | 4,120 |
| Pretax return on assets | 0.7200% | 4,222 |
| Return on Equity (ROE) | 6.3173% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.3173% | 2,455 |
| Net charge-offs to loans | 0.0641% | 4,290 |
| Credit loss provision to net charge-offs | 560.3448% | 662 |
| Earnings coverage of net charge-offs (x) | 27.3621% | 903 |
| Efficiency ratio | 73.0652% | 3,667 |
| Assets per employee ($millions) | 4.3249% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0292% | 2,332 |
| Loan loss allowance to noncurrent loans | 39.6646% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 3.2001% | 2,151 |
| Noncurrent loans to loans | 5.1158% | 1,314 |
| Net loans and leases to total assets | 49.5829% | 5,898 |
| Net loans and leases to deposits | 57.9426% | 5,929 |
| Net loans and leases to core deposits | 62.5827% | 5,869 |
| Total domestic deposits to total assets | 85.5724% | 3,744 |
| Equity capital to assets | 9.4054% | 4,566 |
| Core capital (leverage) ratio | 9.3605% | 4,034 |
| Tier 1 risk-based capital ratio | 14.8149% | 3,533 |
| Total risk-based capital ratio | 16.0700% | 3,493 |
| Memoranda: | ||
| Average total assets | $701,105,000 | 951 |
| Average earning assets | $666,872,000 | 913 |
| Average equity | $66,230,500 | 1,012 |
| Average total loans | $362,182,500 | 1,209 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 6,591 |
| Cost of funding earning assets | 0.9407% | 5,977 |
| Net interest margin | 3.4736% | 5,349 |
| Noninterest income to average assets | 0.5291% | 3,963 |
| Noninterest expense to average assets | 2.5327% | 5,673 |
| Loan and lease loss provision to assets | 0.2522% | 4,777 |
| Net operating income to assets | 0.8396% | 2,635 |
| Return on assets (ROA) | 0.8396% | 2,769 |
| Pretax return on assets | 1.0274% | 2,844 |
| Return on Equity (ROE) | 8.6884% | 2,426 |
| Retained earnings to average equity (ytd only) | 4.7672% | 2,566 |
| Net charge-offs to loans | 0.3920% | 4,076 |
| Credit loss provision to net charge-offs | 113.0319% | 3,858 |
| Earnings coverage of net charge-offs (x) | 5.7347% | 2,546 |
| Efficiency ratio | 66.4345% | 4,884 |
| Assets per employee ($millions) | 4.2252% | 3,334 |
| Cash dividends to net income (ytd only)* | 45.1316% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9373% | 2,452 |
| Loan loss allowance to noncurrent loans | 55.2486% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 2.6880% | 2,595 |
| Noncurrent loans to loans | 3.5066% | 2,156 |
| Net loans and leases to total assets | 51.7109% | 5,955 |
| Net loans and leases to deposits | 60.5511% | 5,992 |
| Net loans and leases to core deposits | 66.2510% | 5,850 |
| Total domestic deposits to total assets | 85.4004% | 3,661 |
| Equity capital to assets | 9.4888% | 4,417 |
| Core capital (leverage) ratio | 9.2669% | 4,078 |
| Tier 1 risk-based capital ratio | 14.4975% | 3,545 |
| Total risk-based capital ratio | 15.7519% | 3,497 |
| Memoranda: | ||
| Average total assets | $674,030,200 | 982 |
| Average earning assets | $637,086,600 | 949 |
| Average equity | $65,132,800 | 1,029 |
| Average total loans | $383,649,200 | 1,180 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 6,678 |
| Cost of funding earning assets | 0.9741% | 6,067 |
| Net interest margin | 3.4928% | 5,320 |
| Noninterest income to average assets | 0.5120% | 4,084 |
| Noninterest expense to average assets | 2.5592% | 5,472 |
| Loan and lease loss provision to assets | 0.2610% | 4,498 |
| Net operating income to assets | 0.8130% | 2,946 |
| Return on assets (ROA) | 0.8130% | 3,090 |
| Pretax return on assets | 0.9891% | 3,222 |
| Return on Equity (ROE) | 8.3738% | 2,759 |
| Retained earnings to average equity (ytd only) | 5.8500% | 2,442 |
| Net charge-offs to loans | 0.2387% | 4,513 |
| Credit loss provision to net charge-offs | 188.4892% | 1,911 |
| Earnings coverage of net charge-offs (x) | 9.0288% | 2,077 |
| Efficiency ratio | 67.1844% | 4,627 |
| Assets per employee ($millions) | 4.1231% | 3,612 |
| Cash dividends to net income (ytd only)* | 30.1397% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9470% | 2,357 |
| Loan loss allowance to noncurrent loans | 88.2533% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 2.0849% | 3,360 |
| Noncurrent loans to loans | 2.2061% | 3,437 |
| Net loans and leases to total assets | 55.5057% | 5,622 |
| Net loans and leases to deposits | 65.4266% | 5,734 |
| Net loans and leases to core deposits | 72.2956% | 5,476 |
| Total domestic deposits to total assets | 84.8366% | 3,703 |
| Equity capital to assets | 9.8859% | 4,310 |
| Core capital (leverage) ratio | 9.3596% | 4,120 |
| Tier 1 risk-based capital ratio | 14.1879% | 3,696 |
| Total risk-based capital ratio | 15.4430% | 3,665 |
| Memoranda: | ||
| Average total assets | $669,306,500 | 998 |
| Average earning assets | $631,841,000 | 961 |
| Average equity | $64,978,500 | 1,032 |
| Average total loans | $388,212,250 | 1,173 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5252% | 6,653 |
| Cost of funding earning assets | 1.0031% | 6,122 |
| Net interest margin | 3.5221% | 5,151 |
| Noninterest income to average assets | 0.5102% | 4,024 |
| Noninterest expense to average assets | 2.5870% | 5,371 |
| Loan and lease loss provision to assets | 0.2764% | 4,185 |
| Net operating income to assets | 0.7992% | 2,980 |
| Return on assets (ROA) | 0.7992% | 3,120 |
| Pretax return on assets | 0.9678% | 3,245 |
| Return on Equity (ROE) | 8.2841% | 2,771 |
| Retained earnings to average equity (ytd only) | 4.4535% | 3,233 |
| Net charge-offs to loans | 0.2112% | 4,346 |
| Credit loss provision to net charge-offs | 223.8443% | 1,735 |
| Earnings coverage of net charge-offs (x) | 10.0754% | 1,942 |
| Efficiency ratio | 67.5241% | 4,670 |
| Assets per employee ($millions) | 4.0455% | 3,682 |
| Cash dividends to net income (ytd only)* | 46.2406% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9274% | 2,347 |
| Loan loss allowance to noncurrent loans | 80.2693% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 2.3995% | 2,999 |
| Noncurrent loans to loans | 2.4012% | 3,254 |
| Net loans and leases to total assets | 55.3413% | 5,805 |
| Net loans and leases to deposits | 65.1171% | 5,906 |
| Net loans and leases to core deposits | 71.9871% | 5,670 |
| Total domestic deposits to total assets | 84.9874% | 3,636 |
| Equity capital to assets | 9.6505% | 4,468 |
| Core capital (leverage) ratio | 9.1363% | 4,396 |
| Tier 1 risk-based capital ratio | 13.7934% | 3,887 |
| Total risk-based capital ratio | 15.0482% | 3,844 |
| Memoranda: | ||
| Average total assets | $665,638,670 | 1,017 |
| Average earning assets | $627,640,670 | 975 |
| Average equity | $64,219,670 | 1,035 |
| Average total loans | $389,246,670 | 1,182 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 6,768 |
| Cost of funding earning assets | 1.0345% | 6,203 |
| Net interest margin | 3.4776% | 5,258 |
| Noninterest income to average assets | 0.5496% | 3,653 |
| Noninterest expense to average assets | 2.5683% | 5,483 |
| Loan and lease loss provision to assets | 0.3340% | 3,393 |
| Net operating income to assets | 0.7737% | 3,084 |
| Return on assets (ROA) | 0.7737% | 3,198 |
| Pretax return on assets | 0.9262% | 3,362 |
| Return on Equity (ROE) | 8.0208% | 2,874 |
| Retained earnings to average equity (ytd only) | 7.3912% | 1,980 |
| Net charge-offs to loans | 0.1561% | 3,990 |
| Credit loss provision to net charge-offs | 359.4771% | 1,129 |
| Earnings coverage of net charge-offs (x) | 13.5621% | 1,488 |
| Efficiency ratio | 67.0844% | 4,900 |
| Assets per employee ($millions) | 4.0566% | 3,738 |
| Cash dividends to net income (ytd only)* | 7.8493% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8661% | 2,537 |
| Loan loss allowance to noncurrent loans | 71.7312% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 2.6135% | 2,786 |
| Noncurrent loans to loans | 2.6015% | 3,065 |
| Net loans and leases to total assets | 57.1970% | 5,568 |
| Net loans and leases to deposits | 67.3347% | 5,673 |
| Net loans and leases to core deposits | 74.5318% | 5,441 |
| Total domestic deposits to total assets | 84.9444% | 3,701 |
| Equity capital to assets | 9.6260% | 4,337 |
| Core capital (leverage) ratio | 9.5044% | 3,764 |
| Tier 1 risk-based capital ratio | 13.8622% | 3,756 |
| Total risk-based capital ratio | 15.1169% | 3,712 |
| Memoranda: | ||
| Average total assets | $658,636,000 | 1,046 |
| Average earning assets | $620,996,000 | 1,008 |
| Average equity | $63,535,000 | 1,053 |
| Average total loans | $392,112,000 | 1,205 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1383% | 5,928 |
| Cost of funding earning assets | 1.2837% | 6,366 |
| Net interest margin | 3.8546% | 3,462 |
| Noninterest income to average assets | 0.4497% | 4,812 |
| Noninterest expense to average assets | 2.8588% | 4,706 |
| Loan and lease loss provision to assets | 0.6049% | 3,375 |
| Net operating income to assets | 0.5963% | 3,342 |
| Return on assets (ROA) | 0.5963% | 3,426 |
| Pretax return on assets | 0.6192% | 3,848 |
| Return on Equity (ROE) | 5.6710% | 3,346 |
| Retained earnings to average equity (ytd only) | 1.8962% | 3,769 |
| Net charge-offs to loans | 0.5525% | 3,574 |
| Credit loss provision to net charge-offs | 166.2812% | 2,617 |
| Earnings coverage of net charge-offs (x) | 3.3649% | 3,375 |
| Efficiency ratio | 70.0198% | 4,626 |
| Assets per employee ($millions) | 3.8568% | 4,125 |
| Cash dividends to net income (ytd only)* | 66.5632% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7465% | 2,727 |
| Loan loss allowance to noncurrent loans | 63.8556% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 2.6334% | 2,669 |
| Noncurrent loans to loans | 2.7351% | 2,826 |
| Net loans and leases to total assets | 59.7622% | 5,372 |
| Net loans and leases to deposits | 70.8956% | 5,483 |
| Net loans and leases to core deposits | 89.7906% | 5,152 |
| Total domestic deposits to total assets | 84.2961% | 3,895 |
| Equity capital to assets | 9.6676% | 4,190 |
| Core capital (leverage) ratio | 9.7388% | 3,398 |
| Tier 1 risk-based capital ratio | 13.1384% | 4,056 |
| Total risk-based capital ratio | 14.3913% | 3,998 |
| Memoranda: | ||
| Average total assets | $594,332,800 | 1,163 |
| Average earning assets | $560,188,000 | 1,123 |
| Average equity | $62,493,400 | 1,058 |
| Average total loans | $391,306,800 | 1,228 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2592% | 5,637 |
| Cost of funding earning assets | 1.3246% | 6,476 |
| Net interest margin | 3.9346% | 3,101 |
| Noninterest income to average assets | 0.4547% | 4,870 |
| Noninterest expense to average assets | 2.9811% | 4,122 |
| Loan and lease loss provision to assets | 0.5095% | 3,346 |
| Net operating income to assets | 0.5910% | 3,630 |
| Return on assets (ROA) | 0.5910% | 3,696 |
| Pretax return on assets | 0.6761% | 3,941 |
| Return on Equity (ROE) | 5.4970% | 3,739 |
| Retained earnings to average equity (ytd only) | 2.2436% | 4,075 |
| Net charge-offs to loans | 0.6390% | 2,766 |
| Credit loss provision to net charge-offs | 118.5897% | 4,271 |
| Earnings coverage of net charge-offs (x) | 2.7596% | 3,853 |
| Efficiency ratio | 71.5450% | 4,320 |
| Assets per employee ($millions) | 3.6126% | 4,653 |
| Cash dividends to net income (ytd only)* | 59.1844% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5146% | 3,351 |
| Loan loss allowance to noncurrent loans | 54.0959% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 2.8773% | 2,418 |
| Noncurrent loans to loans | 2.7998% | 2,712 |
| Net loans and leases to total assets | 62.8689% | 5,093 |
| Net loans and leases to deposits | 72.6198% | 5,565 |
| Net loans and leases to core deposits | 90.2794% | 5,405 |
| Total domestic deposits to total assets | 86.5726% | 2,393 |
| Equity capital to assets | 10.5429% | 3,463 |
| Core capital (leverage) ratio | 10.2993% | 2,976 |
| Tier 1 risk-based capital ratio | 13.5437% | 3,817 |
| Total risk-based capital ratio | 14.7944% | 3,750 |
| Memoranda: | ||
| Average total assets | $580,931,000 | 1,205 |
| Average earning assets | $548,081,750 | 1,163 |
| Average equity | $62,456,750 | 1,072 |
| Average total loans | $390,607,000 | 1,244 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3341% | 5,481 |
| Cost of funding earning assets | 1.3425% | 6,669 |
| Net interest margin | 3.9916% | 2,731 |
| Noninterest income to average assets | 0.5286% | 4,199 |
| Noninterest expense to average assets | 3.1012% | 3,694 |
| Loan and lease loss provision to assets | 0.3132% | 4,065 |
| Net operating income to assets | 0.7684% | 2,974 |
| Return on assets (ROA) | 0.7684% | 3,077 |
| Pretax return on assets | 0.8767% | 3,417 |
| Return on Equity (ROE) | 7.0996% | 3,165 |
| Retained earnings to average equity (ytd only) | 2.1993% | 4,118 |
| Net charge-offs to loans | 0.3667% | 3,354 |
| Credit loss provision to net charge-offs | 124.8266% | 3,726 |
| Earnings coverage of net charge-offs (x) | 4.7420% | 3,018 |
| Efficiency ratio | 72.2709% | 4,357 |
| Assets per employee ($millions) | 3.5289% | 4,739 |
| Cash dividends to net income (ytd only)* | 69.0217% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 3,522 |
| Loan loss allowance to noncurrent loans | 61.0653% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 2.7861% | 2,307 |
| Noncurrent loans to loans | 2.3579% | 3,072 |
| Net loans and leases to total assets | 65.7738% | 4,617 |
| Net loans and leases to deposits | 76.2848% | 5,122 |
| Net loans and leases to core deposits | 93.6536% | 5,156 |
| Total domestic deposits to total assets | 86.2213% | 2,662 |
| Equity capital to assets | 10.5775% | 3,316 |
| Core capital (leverage) ratio | 10.3854% | 2,914 |
| Tier 1 risk-based capital ratio | 13.2861% | 3,949 |
| Total risk-based capital ratio | 14.5297% | 3,870 |
| Memoranda: | ||
| Average total assets | $574,679,330 | 1,231 |
| Average earning assets | $541,682,330 | 1,195 |
| Average equity | $62,201,000 | 1,097 |
| Average total loans | $393,204,670 | 1,263 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4562% | 5,142 |
| Cost of funding earning assets | 1.3612% | 6,840 |
| Net interest margin | 4.0949% | 2,295 |
| Noninterest income to average assets | 0.6340% | 3,320 |
| Noninterest expense to average assets | 3.1192% | 3,305 |
| Loan and lease loss provision to assets | 0.3163% | 3,440 |
| Net operating income to assets | 0.8968% | 2,717 |
| Return on assets (ROA) | 0.8968% | 2,867 |
| Pretax return on assets | 1.0592% | 3,150 |
| Return on Equity (ROE) | 8.1900% | 3,060 |
| Retained earnings to average equity (ytd only) | 7.5481% | 2,003 |
| Net charge-offs to loans | 0.2668% | 3,066 |
| Credit loss provision to net charge-offs | 171.1027% | 2,503 |
| Earnings coverage of net charge-offs (x) | 7.4411% | 2,347 |
| Efficiency ratio | 69.3980% | 4,698 |
| Assets per employee ($millions) | 3.4654% | 4,903 |
| Cash dividends to net income (ytd only)* | 7.8370% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 3,240 |
| Loan loss allowance to noncurrent loans | 105.0112% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 2.1454% | 2,683 |
| Noncurrent loans to loans | 1.3796% | 4,245 |
| Net loans and leases to total assets | 67.0644% | 4,329 |
| Net loans and leases to deposits | 77.8908% | 4,943 |
| Net loans and leases to core deposits | 94.5984% | 5,101 |
| Total domestic deposits to total assets | 86.1005% | 2,662 |
| Equity capital to assets | 11.0161% | 2,951 |
| Core capital (leverage) ratio | 10.7480% | 2,697 |
| Tier 1 risk-based capital ratio | 13.3681% | 3,945 |
| Total risk-based capital ratio | 14.6123% | 3,864 |
| Memoranda: | ||
| Average total assets | $569,118,000 | 1,250 |
| Average earning assets | $536,567,500 | 1,211 |
| Average equity | $62,320,000 | 1,092 |
| Average total loans | $394,340,500 | 1,266 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9855% | 5,616 |
| Cost of funding earning assets | 1.8822% | 6,782 |
| Net interest margin | 4.1033% | 2,696 |
| Noninterest income to average assets | 0.4866% | 4,730 |
| Noninterest expense to average assets | 2.8349% | 4,667 |
| Loan and lease loss provision to assets | 0.3614% | 3,521 |
| Net operating income to assets | 0.9483% | 2,798 |
| Return on assets (ROA) | 0.9483% | 2,654 |
| Pretax return on assets | 1.1362% | 2,894 |
| Return on Equity (ROE) | 8.7233% | 2,745 |
| Retained earnings to average equity (ytd only) | -20.2852% | 7,688 |
| Net charge-offs to loans | 0.3080% | 3,340 |
| Credit loss provision to net charge-offs | 178.5408% | 2,832 |
| Earnings coverage of net charge-offs (x) | 7.3991% | 3,123 |
| Efficiency ratio | 65.4329% | 5,233 |
| Assets per employee ($millions) | 3.2742% | 5,278 |
| Cash dividends to net income (ytd only)* | 332.5394% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 3,395 |
| Loan loss allowance to noncurrent loans | 99.8900% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.9637% | 2,506 |
| Noncurrent loans to loans | 1.3655% | 3,791 |
| Net loans and leases to total assets | 69.5788% | 4,121 |
| Net loans and leases to deposits | 83.8196% | 4,451 |
| Net loans and leases to core deposits | 100.9774% | 4,726 |
| Total domestic deposits to total assets | 83.0101% | 3,774 |
| Equity capital to assets | 10.8839% | 3,135 |
| Core capital (leverage) ratio | 10.5022% | 2,975 |
| Tier 1 risk-based capital ratio | 12.8616% | 4,183 |
| Total risk-based capital ratio | 14.0431% | 4,151 |
| Memoranda: | ||
| Average total assets | $575,583,400 | 1,168 |
| Average earning assets | $539,471,400 | 1,144 |
| Average equity | $62,567,800 | 1,077 |
| Average total loans | $378,275,600 | 1,284 |