Home > The Foothills Bank > Performance and Condition Ratios
The Foothills Bank, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5052% | 1,358 |
| Cost of funding earning assets | 0.0730% | 5,734 |
| Net interest margin | 4.4322% | 598 |
| Noninterest income to average assets | 0.3706% | 3,886 |
| Noninterest expense to average assets | 2.5999% | 3,507 |
| Loan and lease loss provision to assets | 0.0737% | 2,330 |
| Net operating income to assets | 1.1970% | 1,508 |
| Return on assets (ROA) | 1.1970% | 1,547 |
| Pretax return on assets | 1.8219% | 751 |
| Return on Equity (ROE) | 10.0178% | 1,953 |
| Retained earnings to average equity (ytd only) | 10.0178% | 802 |
| Net charge-offs to loans | -0.1149% | 5,486 |
| Credit loss provision to net charge-offs | -76.1905% | 3,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2965% | 4,799 |
| Assets per employee ($millions) | 6.0992% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 3,523 |
| Loan loss allowance to noncurrent loans | 121.0323% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 2,251 |
| Noncurrent loans to loans | 0.9330% | 2,174 |
| Net loans and leases to total assets | 83.8651% | 381 |
| Net loans and leases to deposits | 102.9782% | 447 |
| Net loans and leases to core deposits | 110.1781% | 872 |
| Total domestic deposits to total assets | 81.4396% | 4,315 |
| Equity capital to assets | 11.7056% | 2,031 |
| Core capital (leverage) ratio | 10.9408% | 2,423 |
| Tier 1 risk-based capital ratio | 11.2273% | 5,186 |
| Total risk-based capital ratio | 12.3022% | 5,185 |
| Memoranda: | ||
| Average total assets | $347,547,500 | 1,948 |
| Average earning assets | $323,449,000 | 1,950 |
| Average equity | $41,526,000 | 1,795 |
| Average total loans | $292,507,500 | 1,621 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5861% | 1,313 |
| Cost of funding earning assets | 0.0492% | 5,839 |
| Net interest margin | 4.5369% | 569 |
| Noninterest income to average assets | 0.3945% | 3,933 |
| Noninterest expense to average assets | 2.8902% | 2,707 |
| Loan and lease loss provision to assets | -0.0016% | 5,458 |
| Net operating income to assets | 1.1165% | 1,834 |
| Return on assets (ROA) | 1.2007% | 1,594 |
| Pretax return on assets | 1.8063% | 792 |
| Return on Equity (ROE) | 9.3969% | 2,231 |
| Retained earnings to average equity (ytd only) | 5.7298% | 1,865 |
| Net charge-offs to loans | -0.1480% | 5,680 |
| Credit loss provision to net charge-offs | 1.3624% | 3,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7044% | 4,150 |
| Assets per employee ($millions) | 5.6821% | 1,708 |
| Cash dividends to net income (ytd only)* | 39.0250% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 3,244 |
| Loan loss allowance to noncurrent loans | 106.7983% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.9888% | 1,917 |
| Noncurrent loans to loans | 1.1041% | 1,880 |
| Net loans and leases to total assets | 82.4712% | 543 |
| Net loans and leases to deposits | 97.5007% | 865 |
| Net loans and leases to core deposits | 104.1654% | 1,269 |
| Total domestic deposits to total assets | 84.5852% | 3,212 |
| Equity capital to assets | 12.2088% | 1,680 |
| Core capital (leverage) ratio | 11.4274% | 1,990 |
| Tier 1 risk-based capital ratio | 12.0031% | 4,727 |
| Total risk-based capital ratio | 13.1360% | 4,692 |
| Memoranda: | ||
| Average total assets | $316,068,000 | 2,085 |
| Average earning assets | $290,702,400 | 2,098 |
| Average equity | $40,385,600 | 1,837 |
| Average total loans | $247,968,400 | 1,800 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5469% | 1,413 |
| Cost of funding earning assets | 0.0480% | 5,910 |
| Net interest margin | 4.4989% | 633 |
| Noninterest income to average assets | 0.4065% | 3,877 |
| Noninterest expense to average assets | 2.8930% | 2,659 |
| Loan and lease loss provision to assets | -0.0758% | 5,762 |
| Net operating income to assets | 1.1561% | 1,780 |
| Return on assets (ROA) | 1.2717% | 1,479 |
| Pretax return on assets | 1.8928% | 715 |
| Return on Equity (ROE) | 9.8350% | 2,124 |
| Retained earnings to average equity (ytd only) | 9.0996% | 795 |
| Net charge-offs to loans | -0.1961% | 5,758 |
| Credit loss provision to net charge-offs | 50.1416% | 3,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1738% | 4,041 |
| Assets per employee ($millions) | 5.4418% | 1,907 |
| Cash dividends to net income (ytd only)* | 7.4772% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 3,179 |
| Loan loss allowance to noncurrent loans | 144.7234% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.7743% | 2,613 |
| Noncurrent loans to loans | 0.8355% | 2,592 |
| Net loans and leases to total assets | 80.5788% | 807 |
| Net loans and leases to deposits | 95.8209% | 1,065 |
| Net loans and leases to core deposits | 102.5727% | 1,438 |
| Total domestic deposits to total assets | 84.0931% | 3,189 |
| Equity capital to assets | 13.2243% | 1,384 |
| Core capital (leverage) ratio | 11.5353% | 1,998 |
| Tier 1 risk-based capital ratio | 12.8595% | 4,247 |
| Total risk-based capital ratio | 13.9968% | 4,223 |
| Memoranda: | ||
| Average total assets | $311,274,500 | 2,111 |
| Average earning assets | $285,813,500 | 2,131 |
| Average equity | $40,249,750 | 1,850 |
| Average total loans | $240,016,250 | 1,852 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4457% | 1,689 |
| Cost of funding earning assets | 0.0400% | 6,000 |
| Net interest margin | 4.4057% | 756 |
| Noninterest income to average assets | 0.4254% | 3,691 |
| Noninterest expense to average assets | 2.8732% | 2,763 |
| Loan and lease loss provision to assets | 0.0252% | 3,634 |
| Net operating income to assets | 1.0756% | 2,064 |
| Return on assets (ROA) | 1.0800% | 2,169 |
| Pretax return on assets | 1.5848% | 1,414 |
| Return on Equity (ROE) | 8.4169% | 2,788 |
| Retained earnings to average equity (ytd only) | 7.3050% | 1,472 |
| Net charge-offs to loans | -0.0751% | 5,522 |
| Credit loss provision to net charge-offs | -44.3182% | 4,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5761% | 4,087 |
| Assets per employee ($millions) | 5.2342% | 2,051 |
| Cash dividends to net income (ytd only)* | 13.2098% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 3,284 |
| Loan loss allowance to noncurrent loans | 118.1187% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.8807% | 2,392 |
| Noncurrent loans to loans | 1.0271% | 2,231 |
| Net loans and leases to total assets | 78.1416% | 1,181 |
| Net loans and leases to deposits | 91.4994% | 1,575 |
| Net loans and leases to core deposits | 97.7607% | 1,823 |
| Total domestic deposits to total assets | 85.4012% | 2,685 |
| Equity capital to assets | 12.7540% | 1,635 |
| Core capital (leverage) ratio | 11.4328% | 2,040 |
| Tier 1 risk-based capital ratio | 12.4382% | 4,567 |
| Total risk-based capital ratio | 13.5686% | 4,555 |
| Memoranda: | ||
| Average total assets | $309,824,670 | 2,123 |
| Average earning assets | $284,902,670 | 2,147 |
| Average equity | $39,753,330 | 1,867 |
| Average total loans | $234,208,670 | 1,883 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4811% | 1,564 |
| Cost of funding earning assets | 0.0372% | 6,063 |
| Net interest margin | 4.4439% | 675 |
| Noninterest income to average assets | 0.5100% | 3,052 |
| Noninterest expense to average assets | 2.9027% | 2,701 |
| Loan and lease loss provision to assets | -0.0734% | 5,965 |
| Net operating income to assets | 1.1864% | 1,604 |
| Return on assets (ROA) | 1.1944% | 1,677 |
| Pretax return on assets | 1.7634% | 914 |
| Return on Equity (ROE) | 9.2796% | 2,291 |
| Retained earnings to average equity (ytd only) | 9.2796% | 1,031 |
| Net charge-offs to loans | -0.0907% | 5,591 |
| Credit loss provision to net charge-offs | 109.8039% | 1,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7647% | 4,336 |
| Assets per employee ($millions) | 5.2076% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 2,868 |
| Loan loss allowance to noncurrent loans | 111.6952% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.1219% | 1,972 |
| Noncurrent loans to loans | 1.1694% | 2,072 |
| Net loans and leases to total assets | 72.1058% | 2,021 |
| Net loans and leases to deposits | 83.6155% | 2,353 |
| Net loans and leases to core deposits | 85.5436% | 2,792 |
| Total domestic deposits to total assets | 86.2350% | 2,578 |
| Equity capital to assets | 12.9917% | 1,413 |
| Core capital (leverage) ratio | 11.4389% | 2,015 |
| Tier 1 risk-based capital ratio | 13.0158% | 4,259 |
| Total risk-based capital ratio | 14.1639% | 4,229 |
| Memoranda: | ||
| Average total assets | $305,093,500 | 2,154 |
| Average earning assets | $279,486,500 | 2,186 |
| Average equity | $39,269,000 | 1,880 |
| Average total loans | $225,033,000 | 1,949 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6922% | 1,127 |
| Cost of funding earning assets | 0.0428% | 6,113 |
| Net interest margin | 4.6494% | 496 |
| Noninterest income to average assets | 0.2632% | 5,001 |
| Noninterest expense to average assets | 3.1519% | 2,085 |
| Loan and lease loss provision to assets | -0.2659% | 6,042 |
| Net operating income to assets | 1.0940% | 1,956 |
| Return on assets (ROA) | 1.0608% | 2,161 |
| Pretax return on assets | 1.5613% | 1,371 |
| Return on Equity (ROE) | 8.5316% | 2,702 |
| Retained earnings to average equity (ytd only) | 7.9936% | 921 |
| Net charge-offs to loans | -0.2293% | 5,972 |
| Credit loss provision to net charge-offs | 160.4462% | 1,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4602% | 3,309 |
| Assets per employee ($millions) | 5.3147% | 1,991 |
| Cash dividends to net income (ytd only)* | 6.3054% | 4,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 2,889 |
| Loan loss allowance to noncurrent loans | 100.9972% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.2613% | 1,694 |
| Noncurrent loans to loans | 1.2891% | 1,825 |
| Net loans and leases to total assets | 73.4978% | 1,806 |
| Net loans and leases to deposits | 85.0635% | 2,232 |
| Net loans and leases to core deposits | 86.6178% | 2,743 |
| Total domestic deposits to total assets | 86.4034% | 2,427 |
| Equity capital to assets | 12.7489% | 1,491 |
| Core capital (leverage) ratio | 11.4025% | 2,043 |
| Tier 1 risk-based capital ratio | 13.2643% | 4,126 |
| Total risk-based capital ratio | 14.4682% | 4,091 |
| Memoranda: | ||
| Average total assets | $297,506,000 | 2,163 |
| Average earning assets | $270,851,200 | 2,192 |
| Average equity | $36,992,000 | 1,927 |
| Average total loans | $214,976,400 | 1,958 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7539% | 1,010 |
| Cost of funding earning assets | 0.0480% | 6,197 |
| Net interest margin | 4.7059% | 446 |
| Noninterest income to average assets | 0.1868% | 5,543 |
| Noninterest expense to average assets | 3.2195% | 1,918 |
| Loan and lease loss provision to assets | -0.4471% | 6,194 |
| Net operating income to assets | 1.1497% | 1,831 |
| Return on assets (ROA) | 1.1053% | 2,059 |
| Pretax return on assets | 1.6275% | 1,307 |
| Return on Equity (ROE) | 8.9470% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.2218% | 1,153 |
| Net charge-offs to loans | -0.3498% | 6,110 |
| Credit loss provision to net charge-offs | 178.2765% | 1,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4559% | 2,970 |
| Assets per employee ($millions) | 5.5364% | 1,756 |
| Cash dividends to net income (ytd only)* | 8.1060% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 3,262 |
| Loan loss allowance to noncurrent loans | 74.4613% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.5506% | 1,440 |
| Noncurrent loans to loans | 1.7046% | 1,415 |
| Net loans and leases to total assets | 74.1997% | 1,703 |
| Net loans and leases to deposits | 87.3190% | 1,989 |
| Net loans and leases to core deposits | 88.7130% | 2,585 |
| Total domestic deposits to total assets | 84.9755% | 3,022 |
| Equity capital to assets | 12.9092% | 1,497 |
| Core capital (leverage) ratio | 11.1889% | 2,316 |
| Tier 1 risk-based capital ratio | 13.1180% | 4,368 |
| Total risk-based capital ratio | 14.2847% | 4,330 |
| Memoranda: | ||
| Average total assets | $296,148,250 | 2,185 |
| Average earning assets | $269,244,250 | 2,221 |
| Average equity | $36,584,750 | 1,965 |
| Average total loans | $212,323,250 | 1,988 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7267% | 1,020 |
| Cost of funding earning assets | 0.0505% | 6,271 |
| Net interest margin | 4.6762% | 461 |
| Noninterest income to average assets | 0.2639% | 5,062 |
| Noninterest expense to average assets | 3.2688% | 1,794 |
| Loan and lease loss provision to assets | -0.4875% | 6,272 |
| Net operating income to assets | 1.1685% | 1,706 |
| Return on assets (ROA) | 1.1022% | 2,035 |
| Pretax return on assets | 1.6239% | 1,270 |
| Return on Equity (ROE) | 9.0559% | 2,507 |
| Retained earnings to average equity (ytd only) | 7.9550% | 1,287 |
| Net charge-offs to loans | -0.6565% | 6,227 |
| Credit loss provision to net charge-offs | 105.2326% | 1,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9498% | 3,004 |
| Assets per employee ($millions) | 5.5704% | 1,680 |
| Cash dividends to net income (ytd only)* | 12.1564% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 2,266 |
| Loan loss allowance to noncurrent loans | 100.1879% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.2980% | 1,935 |
| Noncurrent loans to loans | 1.5049% | 1,767 |
| Net loans and leases to total assets | 70.7856% | 2,194 |
| Net loans and leases to deposits | 82.3954% | 2,510 |
| Net loans and leases to core deposits | 83.6878% | 3,012 |
| Total domestic deposits to total assets | 85.9097% | 2,738 |
| Equity capital to assets | 12.4411% | 1,689 |
| Core capital (leverage) ratio | 10.7467% | 2,680 |
| Tier 1 risk-based capital ratio | 12.7300% | 4,663 |
| Total risk-based capital ratio | 13.9808% | 4,582 |
| Memoranda: | ||
| Average total assets | $297,055,330 | 2,195 |
| Average earning assets | $269,281,000 | 2,238 |
| Average equity | $36,153,330 | 1,988 |
| Average total loans | $209,590,670 | 2,014 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5352% | 1,364 |
| Cost of funding earning assets | 0.0513% | 6,343 |
| Net interest margin | 4.4839% | 618 |
| Noninterest income to average assets | 0.2658% | 5,051 |
| Noninterest expense to average assets | 3.2970% | 1,723 |
| Loan and lease loss provision to assets | -0.1342% | 6,228 |
| Net operating income to assets | 0.8398% | 3,063 |
| Return on assets (ROA) | 0.8565% | 3,098 |
| Pretax return on assets | 1.2323% | 2,541 |
| Return on Equity (ROE) | 7.1156% | 3,448 |
| Retained earnings to average equity (ytd only) | 7.1156% | 1,969 |
| Net charge-offs to loans | 0.0115% | 2,960 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,099 |
| Earnings coverage of net charge-offs (x) | 133.3333% | 394 |
| Efficiency ratio | 74.7850% | 2,691 |
| Assets per employee ($millions) | 5.6128% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 2,431 |
| Loan loss allowance to noncurrent loans | 84.0677% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.5823% | 1,629 |
| Noncurrent loans to loans | 1.7874% | 1,518 |
| Net loans and leases to total assets | 68.9468% | 2,295 |
| Net loans and leases to deposits | 80.7187% | 2,478 |
| Net loans and leases to core deposits | 81.6493% | 2,992 |
| Total domestic deposits to total assets | 85.4162% | 3,213 |
| Equity capital to assets | 12.1269% | 1,939 |
| Core capital (leverage) ratio | 10.5552% | 2,901 |
| Tier 1 risk-based capital ratio | 12.6121% | 4,832 |
| Total risk-based capital ratio | 13.8617% | 4,752 |
| Memoranda: | ||
| Average total assets | $297,967,500 | 2,208 |
| Average earning assets | $272,799,000 | 2,228 |
| Average equity | $35,865,000 | 2,018 |
| Average total loans | $208,296,000 | 2,023 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6213% | 1,496 |
| Cost of funding earning assets | 0.0688% | 6,400 |
| Net interest margin | 4.5525% | 675 |
| Noninterest income to average assets | 0.4245% | 4,010 |
| Noninterest expense to average assets | 3.4227% | 1,653 |
| Loan and lease loss provision to assets | 0.1224% | 2,143 |
| Net operating income to assets | 0.7198% | 3,795 |
| Return on assets (ROA) | 0.7198% | 3,903 |
| Pretax return on assets | 1.0421% | 3,338 |
| Return on Equity (ROE) | 6.2143% | 4,046 |
| Retained earnings to average equity (ytd only) | 6.2143% | 1,803 |
| Net charge-offs to loans | 0.2228% | 1,883 |
| Credit loss provision to net charge-offs | 80.6306% | 2,851 |
| Earnings coverage of net charge-offs (x) | 7.6734% | 2,992 |
| Efficiency ratio | 73.9364% | 2,849 |
| Assets per employee ($millions) | 4.8927% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 2,245 |
| Loan loss allowance to noncurrent loans | 69.0944% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 1.7939% | 1,460 |
| Noncurrent loans to loans | 2.2471% | 1,170 |
| Net loans and leases to total assets | 68.7290% | 2,454 |
| Net loans and leases to deposits | 78.8027% | 2,863 |
| Net loans and leases to core deposits | 79.8189% | 3,319 |
| Total domestic deposits to total assets | 87.2165% | 2,162 |
| Equity capital to assets | 11.9465% | 2,050 |
| Core capital (leverage) ratio | 10.4295% | 3,025 |
| Tier 1 risk-based capital ratio | 12.1817% | 5,243 |
| Total risk-based capital ratio | 13.4327% | 5,154 |
| Memoranda: | ||
| Average total assets | $292,579,000 | 2,196 |
| Average earning assets | $267,521,600 | 2,215 |
| Average equity | $33,889,800 | 2,060 |
| Average total loans | $199,260,400 | 2,047 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6373% | 1,466 |
| Cost of funding earning assets | 0.0722% | 6,476 |
| Net interest margin | 4.5651% | 659 |
| Noninterest income to average assets | 0.4008% | 4,238 |
| Noninterest expense to average assets | 3.5024% | 1,452 |
| Loan and lease loss provision to assets | 0.0838% | 2,679 |
| Net operating income to assets | 0.6417% | 4,254 |
| Return on assets (ROA) | 0.6417% | 4,347 |
| Pretax return on assets | 0.9870% | 3,645 |
| Return on Equity (ROE) | 5.5846% | 4,447 |
| Retained earnings to average equity (ytd only) | 5.5846% | 2,681 |
| Net charge-offs to loans | 0.2159% | 1,745 |
| Credit loss provision to net charge-offs | 57.3668% | 2,989 |
| Earnings coverage of net charge-offs (x) | 7.3292% | 2,939 |
| Efficiency ratio | 75.9039% | 2,506 |
| Assets per employee ($millions) | 4.8719% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5928% | 2,324 |
| Loan loss allowance to noncurrent loans | 74.0353% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.9537% | 1,486 |
| Noncurrent loans to loans | 2.1514% | 1,428 |
| Net loans and leases to total assets | 67.3180% | 2,641 |
| Net loans and leases to deposits | 80.7193% | 2,585 |
| Net loans and leases to core deposits | 82.2057% | 3,088 |
| Total domestic deposits to total assets | 83.3976% | 3,999 |
| Equity capital to assets | 11.8277% | 2,207 |
| Core capital (leverage) ratio | 10.2687% | 3,317 |
| Tier 1 risk-based capital ratio | 12.2844% | 5,310 |
| Total risk-based capital ratio | 13.5358% | 5,233 |
| Memoranda: | ||
| Average total assets | $291,110,000 | 2,219 |
| Average earning assets | $266,068,750 | 2,240 |
| Average equity | $33,448,500 | 2,087 |
| Average total loans | $196,985,500 | 2,076 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6029% | 1,523 |
| Cost of funding earning assets | 0.0768% | 6,531 |
| Net interest margin | 4.5261% | 669 |
| Noninterest income to average assets | 0.4348% | 3,989 |
| Noninterest expense to average assets | 3.5802% | 1,331 |
| Loan and lease loss provision to assets | 0.1259% | 1,960 |
| Net operating income to assets | 0.5628% | 4,530 |
| Return on assets (ROA) | 0.5628% | 4,633 |
| Pretax return on assets | 0.8655% | 4,014 |
| Return on Equity (ROE) | 4.9466% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.9466% | 2,993 |
| Net charge-offs to loans | 0.2265% | 1,682 |
| Credit loss provision to net charge-offs | 82.4324% | 2,303 |
| Earnings coverage of net charge-offs (x) | 6.4910% | 2,762 |
| Efficiency ratio | 77.6373% | 2,345 |
| Assets per employee ($millions) | 4.8121% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6772% | 2,197 |
| Loan loss allowance to noncurrent loans | 84.7405% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.5136% | 2,152 |
| Noncurrent loans to loans | 1.9792% | 1,705 |
| Net loans and leases to total assets | 65.5467% | 2,826 |
| Net loans and leases to deposits | 74.6369% | 3,248 |
| Net loans and leases to core deposits | 76.1623% | 3,612 |
| Total domestic deposits to total assets | 87.8207% | 2,022 |
| Equity capital to assets | 11.5549% | 2,372 |
| Core capital (leverage) ratio | 10.0707% | 3,505 |
| Tier 1 risk-based capital ratio | 12.4942% | 5,232 |
| Total risk-based capital ratio | 13.7466% | 5,156 |
| Memoranda: | ||
| Average total assets | $290,708,670 | 2,219 |
| Average earning assets | $265,701,000 | 2,238 |
| Average equity | $33,073,330 | 2,092 |
| Average total loans | $195,992,330 | 2,080 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5968% | 1,514 |
| Cost of funding earning assets | 0.0820% | 6,600 |
| Net interest margin | 4.5148% | 637 |
| Noninterest income to average assets | 0.6250% | 2,597 |
| Noninterest expense to average assets | 3.7498% | 1,055 |
| Loan and lease loss provision to assets | 0.2530% | 849 |
| Net operating income to assets | 0.4770% | 4,799 |
| Return on assets (ROA) | 0.4770% | 4,876 |
| Pretax return on assets | 0.7342% | 4,372 |
| Return on Equity (ROE) | 4.2265% | 4,917 |
| Retained earnings to average equity (ytd only) | 4.2265% | 3,595 |
| Net charge-offs to loans | -0.0877% | 6,070 |
| Credit loss provision to net charge-offs | -425.5814% | 5,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4005% | 2,427 |
| Assets per employee ($millions) | 5.0804% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7984% | 2,049 |
| Loan loss allowance to noncurrent loans | 87.1713% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.6137% | 2,185 |
| Noncurrent loans to loans | 2.0630% | 1,796 |
| Net loans and leases to total assets | 65.7317% | 2,613 |
| Net loans and leases to deposits | 74.4784% | 3,009 |
| Net loans and leases to core deposits | 76.0001% | 3,410 |
| Total domestic deposits to total assets | 88.2561% | 2,077 |
| Equity capital to assets | 11.2040% | 2,519 |
| Core capital (leverage) ratio | 9.9161% | 3,685 |
| Tier 1 risk-based capital ratio | 12.1689% | 5,528 |
| Total risk-based capital ratio | 13.4227% | 5,453 |
| Memoranda: | ||
| Average total assets | $289,293,500 | 2,239 |
| Average earning assets | $263,487,000 | 2,262 |
| Average equity | $32,651,000 | 2,112 |
| Average total loans | $196,145,000 | 2,085 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7777% | 1,375 |
| Cost of funding earning assets | 0.1592% | 6,503 |
| Net interest margin | 4.6185% | 591 |
| Noninterest income to average assets | 0.1879% | 5,961 |
| Noninterest expense to average assets | 3.3725% | 1,942 |
| Loan and lease loss provision to assets | 1.5260% | 84 |
| Net operating income to assets | -0.2748% | 6,403 |
| Return on assets (ROA) | -0.2748% | 6,426 |
| Pretax return on assets | -0.4954% | 6,486 |
| Return on Equity (ROE) | -2.3490% | 6,393 |
| Retained earnings to average equity (ytd only) | -2.3490% | 6,207 |
| Net charge-offs to loans | 1.8794% | 209 |
| Credit loss provision to net charge-offs | 117.6934% | 2,045 |
| Earnings coverage of net charge-offs (x) | 0.7948% | 4,823 |
| Efficiency ratio | 76.5942% | 2,692 |
| Assets per employee ($millions) | 4.3681% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7026% | 2,397 |
| Loan loss allowance to noncurrent loans | 64.8760% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 2.2872% | 1,543 |
| Noncurrent loans to loans | 2.6244% | 1,419 |
| Net loans and leases to total assets | 67.5304% | 2,430 |
| Net loans and leases to deposits | 76.6520% | 2,900 |
| Net loans and leases to core deposits | 78.1966% | 3,334 |
| Total domestic deposits to total assets | 88.1000% | 2,120 |
| Equity capital to assets | 11.3721% | 2,262 |
| Core capital (leverage) ratio | 10.6219% | 2,759 |
| Tier 1 risk-based capital ratio | 12.1448% | 5,529 |
| Total risk-based capital ratio | 13.3685% | 5,483 |
| Memoranda: | ||
| Average total assets | $284,209,200 | 2,240 |
| Average earning assets | $259,393,400 | 2,251 |
| Average equity | $33,248,000 | 2,074 |
| Average total loans | $196,075,400 | 2,038 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9870% | 964 |
| Cost of funding earning assets | 0.1785% | 6,512 |
| Net interest margin | 4.8085% | 422 |
| Noninterest income to average assets | 0.3893% | 4,610 |
| Noninterest expense to average assets | 3.2399% | 2,226 |
| Loan and lease loss provision to assets | 1.4164% | 85 |
| Net operating income to assets | 0.2223% | 5,862 |
| Return on assets (ROA) | -0.0408% | 6,375 |
| Pretax return on assets | -0.1332% | 6,426 |
| Return on Equity (ROE) | -0.3464% | 6,374 |
| Retained earnings to average equity (ytd only) | -0.3464% | 6,012 |
| Net charge-offs to loans | 1.7908% | 233 |
| Credit loss provision to net charge-offs | 114.5241% | 2,053 |
| Earnings coverage of net charge-offs (x) | 1.2503% | 4,421 |
| Efficiency ratio | 67.6923% | 4,148 |
| Assets per employee ($millions) | 4.4880% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6109% | 2,961 |
| Loan loss allowance to noncurrent loans | 91.5392% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.7416% | 2,355 |
| Noncurrent loans to loans | 1.7598% | 2,557 |
| Net loans and leases to total assets | 66.9693% | 2,463 |
| Net loans and leases to deposits | 76.4914% | 2,884 |
| Net loans and leases to core deposits | 78.0422% | 3,360 |
| Total domestic deposits to total assets | 87.5514% | 2,383 |
| Equity capital to assets | 11.9239% | 1,966 |
| Core capital (leverage) ratio | 11.1579% | 2,336 |
| Tier 1 risk-based capital ratio | 12.9983% | 5,127 |
| Total risk-based capital ratio | 14.2277% | 5,089 |
| Memoranda: | ||
| Average total assets | $284,280,500 | 2,251 |
| Average earning assets | $259,949,000 | 2,254 |
| Average equity | $33,488,000 | 2,078 |
| Average total loans | $196,330,250 | 2,036 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0810% | 801 |
| Cost of funding earning assets | 0.1937% | 6,508 |
| Net interest margin | 4.8874% | 377 |
| Noninterest income to average assets | 0.4073% | 4,472 |
| Noninterest expense to average assets | 3.1933% | 2,370 |
| Loan and lease loss provision to assets | 1.2575% | 128 |
| Net operating income to assets | 0.3109% | 5,571 |
| Return on assets (ROA) | 0.3109% | 5,716 |
| Pretax return on assets | 0.4345% | 5,565 |
| Return on Equity (ROE) | 2.6495% | 5,738 |
| Retained earnings to average equity (ytd only) | 2.6495% | 4,622 |
| Net charge-offs to loans | 1.1921% | 488 |
| Credit loss provision to net charge-offs | 152.0270% | 1,517 |
| Earnings coverage of net charge-offs (x) | 2.0456% | 3,833 |
| Efficiency ratio | 65.3654% | 4,659 |
| Assets per employee ($millions) | 4.4391% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6436% | 2,998 |
| Loan loss allowance to noncurrent loans | 86.2658% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.8898% | 2,289 |
| Noncurrent loans to loans | 1.9052% | 2,501 |
| Net loans and leases to total assets | 70.2931% | 1,836 |
| Net loans and leases to deposits | 80.3990% | 2,269 |
| Net loans and leases to core deposits | 82.0205% | 2,800 |
| Total domestic deposits to total assets | 87.4304% | 2,574 |
| Equity capital to assets | 11.9832% | 1,925 |
| Core capital (leverage) ratio | 10.2623% | 3,150 |
| Tier 1 risk-based capital ratio | 11.5798% | 6,069 |
| Total risk-based capital ratio | 12.8342% | 6,021 |
| Memoranda: | ||
| Average total assets | $286,288,670 | 2,246 |
| Average earning assets | $262,308,330 | 2,248 |
| Average equity | $33,591,000 | 2,074 |
| Average total loans | $198,641,330 | 2,019 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0869% | 762 |
| Cost of funding earning assets | 0.1974% | 6,586 |
| Net interest margin | 4.8895% | 345 |
| Noninterest income to average assets | 0.4116% | 4,376 |
| Noninterest expense to average assets | 3.0525% | 2,828 |
| Loan and lease loss provision to assets | 0.8978% | 219 |
| Net operating income to assets | 0.6202% | 4,119 |
| Return on assets (ROA) | 0.6202% | 4,279 |
| Pretax return on assets | 0.9434% | 3,593 |
| Return on Equity (ROE) | 5.3405% | 4,376 |
| Retained earnings to average equity (ytd only) | 5.3405% | 3,031 |
| Net charge-offs to loans | 0.7474% | 814 |
| Credit loss provision to net charge-offs | 175.6757% | 1,213 |
| Earnings coverage of net charge-offs (x) | 3.6027% | 2,729 |
| Efficiency ratio | 62.3765% | 5,262 |
| Assets per employee ($millions) | 4.6313% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 3,871 |
| Loan loss allowance to noncurrent loans | 54.3795% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 2.5030% | 1,843 |
| Noncurrent loans to loans | 2.7410% | 1,856 |
| Net loans and leases to total assets | 66.7990% | 2,231 |
| Net loans and leases to deposits | 76.0520% | 2,631 |
| Net loans and leases to core deposits | 77.7569% | 3,110 |
| Total domestic deposits to total assets | 87.8333% | 2,430 |
| Equity capital to assets | 11.5954% | 2,335 |
| Core capital (leverage) ratio | 11.1983% | 2,097 |
| Tier 1 risk-based capital ratio | 11.7669% | 6,049 |
| Total risk-based capital ratio | 12.8231% | 6,115 |
| Memoranda: | ||
| Average total assets | $289,600,000 | 2,255 |
| Average earning assets | $265,466,000 | 2,250 |
| Average equity | $33,630,000 | 2,099 |
| Average total loans | $198,026,500 | 2,044 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9538% | 285 |
| Cost of funding earning assets | 0.2655% | 6,606 |
| Net interest margin | 5.6883% | 133 |
| Noninterest income to average assets | 0.4490% | 4,252 |
| Noninterest expense to average assets | 3.1932% | 2,640 |
| Loan and lease loss provision to assets | 0.8036% | 603 |
| Net operating income to assets | 1.0536% | 2,108 |
| Return on assets (ROA) | 1.0536% | 2,303 |
| Pretax return on assets | 1.6520% | 1,258 |
| Return on Equity (ROE) | 9.3159% | 2,476 |
| Retained earnings to average equity (ytd only) | 8.1871% | 1,063 |
| Net charge-offs to loans | 1.1241% | 930 |
| Credit loss provision to net charge-offs | 103.1053% | 2,909 |
| Earnings coverage of net charge-offs (x) | 3.1508% | 3,861 |
| Efficiency ratio | 56.5290% | 6,002 |
| Assets per employee ($millions) | 4.5624% | 2,859 |
| Cash dividends to net income (ytd only)* | 12.1172% | 4,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 4,418 |
| Loan loss allowance to noncurrent loans | 52.5601% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 2.4879% | 1,968 |
| Noncurrent loans to loans | 2.5620% | 2,061 |
| Net loans and leases to total assets | 68.0290% | 2,177 |
| Net loans and leases to deposits | 77.4145% | 2,601 |
| Net loans and leases to core deposits | 79.2651% | 3,115 |
| Total domestic deposits to total assets | 87.8763% | 2,306 |
| Equity capital to assets | 11.6300% | 2,325 |
| Core capital (leverage) ratio | 10.4164% | 2,866 |
| Tier 1 risk-based capital ratio | 11.9125% | 5,834 |
| Total risk-based capital ratio | 12.9921% | 5,902 |
| Memoranda: | ||
| Average total assets | $285,106,800 | 2,235 |
| Average earning assets | $260,621,800 | 2,231 |
| Average equity | $32,245,800 | 2,128 |
| Average total loans | $197,673,200 | 2,024 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9510% | 1,827 |
| Cost of funding earning assets | 0.2818% | 6,690 |
| Net interest margin | 4.6692% | 715 |
| Noninterest income to average assets | 1.2624% | 934 |
| Noninterest expense to average assets | 3.1659% | 2,666 |
| Loan and lease loss provision to assets | 0.6560% | 799 |
| Net operating income to assets | 1.0867% | 2,141 |
| Return on assets (ROA) | 1.0867% | 2,337 |
| Pretax return on assets | 1.7038% | 1,259 |
| Return on Equity (ROE) | 9.6773% | 2,507 |
| Retained earnings to average equity (ytd only) | 9.6773% | 1,003 |
| Net charge-offs to loans | 1.1609% | 862 |
| Credit loss provision to net charge-offs | 81.3953% | 3,582 |
| Earnings coverage of net charge-offs (x) | 2.9279% | 3,855 |
| Efficiency ratio | 57.2931% | 5,885 |
| Assets per employee ($millions) | 4.2487% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 5,407 |
| Loan loss allowance to noncurrent loans | 46.3415% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 3.0424% | 1,712 |
| Noncurrent loans to loans | 2.5351% | 2,252 |
| Net loans and leases to total assets | 69.4500% | 2,028 |
| Net loans and leases to deposits | 79.5229% | 2,473 |
| Net loans and leases to core deposits | 81.6089% | 3,013 |
| Total domestic deposits to total assets | 87.3334% | 2,478 |
| Equity capital to assets | 12.0000% | 2,257 |
| Core capital (leverage) ratio | 10.2810% | 3,190 |
| Tier 1 risk-based capital ratio | 12.0439% | 5,913 |
| Total risk-based capital ratio | 13.0468% | 6,036 |
| Memoranda: | ||
| Average total assets | $284,526,250 | 2,263 |
| Average earning assets | $259,795,000 | 2,254 |
| Average equity | $31,950,250 | 2,162 |
| Average total loans | $197,540,500 | 2,049 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9392% | 1,965 |
| Cost of funding earning assets | 0.2953% | 6,756 |
| Net interest margin | 4.6439% | 755 |
| Noninterest income to average assets | 1.0031% | 1,457 |
| Noninterest expense to average assets | 3.1499% | 2,747 |
| Loan and lease loss provision to assets | 0.3481% | 1,890 |
| Net operating income to assets | 1.1277% | 1,953 |
| Return on assets (ROA) | 1.1277% | 2,168 |
| Pretax return on assets | 1.7639% | 1,106 |
| Return on Equity (ROE) | 10.2682% | 2,257 |
| Retained earnings to average equity (ytd only) | 10.2682% | 897 |
| Net charge-offs to loans | 0.5929% | 1,835 |
| Credit loss provision to net charge-offs | 84.8896% | 3,188 |
| Earnings coverage of net charge-offs (x) | 5.1511% | 2,895 |
| Efficiency ratio | 59.8624% | 5,600 |
| Assets per employee ($millions) | 4.0581% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 4,987 |
| Loan loss allowance to noncurrent loans | 51.3077% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 2.7472% | 2,008 |
| Noncurrent loans to loans | 2.4940% | 2,417 |
| Net loans and leases to total assets | 70.2003% | 1,882 |
| Net loans and leases to deposits | 80.0207% | 2,377 |
| Net loans and leases to core deposits | 82.1094% | 2,946 |
| Total domestic deposits to total assets | 87.7276% | 2,317 |
| Equity capital to assets | 11.7375% | 2,376 |
| Core capital (leverage) ratio | 9.6315% | 3,950 |
| Tier 1 risk-based capital ratio | 11.8720% | 6,012 |
| Total risk-based capital ratio | 12.9886% | 6,071 |
| Memoranda: | ||
| Average total assets | $287,312,670 | 2,256 |
| Average earning assets | $263,486,000 | 2,234 |
| Average equity | $31,553,670 | 2,170 |
| Average total loans | $198,694,670 | 2,035 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9082% | 2,205 |
| Cost of funding earning assets | 0.3166% | 6,790 |
| Net interest margin | 4.5916% | 834 |
| Noninterest income to average assets | 0.9243% | 1,652 |
| Noninterest expense to average assets | 3.0731% | 3,009 |
| Loan and lease loss provision to assets | 0.4096% | 1,538 |
| Net operating income to assets | 1.0772% | 2,181 |
| Return on assets (ROA) | 1.0772% | 2,365 |
| Pretax return on assets | 1.6587% | 1,410 |
| Return on Equity (ROE) | 10.1363% | 2,348 |
| Retained earnings to average equity (ytd only) | 10.1363% | 1,229 |
| Net charge-offs to loans | 0.8643% | 1,183 |
| Credit loss provision to net charge-offs | 69.4444% | 2,927 |
| Earnings coverage of net charge-offs (x) | 3.5069% | 2,815 |
| Efficiency ratio | 59.7716% | 5,653 |
| Assets per employee ($millions) | 4.5199% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 5,194 |
| Loan loss allowance to noncurrent loans | 56.3857% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 2.0861% | 2,793 |
| Noncurrent loans to loans | 2.2385% | 2,878 |
| Net loans and leases to total assets | 64.7199% | 2,708 |
| Net loans and leases to deposits | 72.8056% | 3,297 |
| Net loans and leases to core deposits | 74.7205% | 3,797 |
| Total domestic deposits to total assets | 88.8942% | 1,764 |
| Equity capital to assets | 10.5735% | 3,411 |
| Core capital (leverage) ratio | 9.0658% | 4,742 |
| Tier 1 risk-based capital ratio | 11.4736% | 6,298 |
| Total risk-based capital ratio | 12.5701% | 6,360 |
| Memoranda: | ||
| Average total assets | $292,993,000 | 2,216 |
| Average earning assets | $269,098,000 | 2,209 |
| Average equity | $31,135,500 | 2,197 |
| Average total loans | $199,927,000 | 2,038 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5727% | 1,007 |
| Cost of funding earning assets | 0.3944% | 6,898 |
| Net interest margin | 5.1783% | 298 |
| Noninterest income to average assets | 2.2368% | 318 |
| Noninterest expense to average assets | 3.4913% | 2,002 |
| Loan and lease loss provision to assets | 0.8046% | 1,218 |
| Net operating income to assets | 1.6579% | 595 |
| Return on assets (ROA) | 1.6579% | 636 |
| Pretax return on assets | 2.6583% | 167 |
| Return on Equity (ROE) | 13.9892% | 932 |
| Retained earnings to average equity (ytd only) | 12.8524% | 238 |
| Net charge-offs to loans | 0.5482% | 2,822 |
| Credit loss provision to net charge-offs | 198.6775% | 1,271 |
| Earnings coverage of net charge-offs (x) | 8.5504% | 2,128 |
| Efficiency ratio | 50.2044% | 6,821 |
| Assets per employee ($millions) | 4.4257% | 3,024 |
| Cash dividends to net income (ytd only)* | 8.1262% | 3,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 5,048 |
| Loan loss allowance to noncurrent loans | 31.5419% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 4.0789% | 1,404 |
| Noncurrent loans to loans | 4.0344% | 1,549 |
| Net loans and leases to total assets | 70.1206% | 2,009 |
| Net loans and leases to deposits | 79.5817% | 2,599 |
| Net loans and leases to core deposits | 80.9582% | 3,320 |
| Total domestic deposits to total assets | 88.1115% | 2,086 |
| Equity capital to assets | 10.6819% | 3,322 |
| Core capital (leverage) ratio | 10.3413% | 2,920 |
| Tier 1 risk-based capital ratio | 11.2281% | 6,332 |
| Total risk-based capital ratio | 12.3940% | 6,356 |
| Memoranda: | ||
| Average total assets | $242,715,800 | 2,604 |
| Average earning assets | $221,114,000 | 2,596 |
| Average equity | $28,765,000 | 2,285 |
| Average total loans | $179,311,400 | 2,259 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5879% | 1,059 |
| Cost of funding earning assets | 0.3995% | 7,018 |
| Net interest margin | 5.1884% | 295 |
| Noninterest income to average assets | 2.4486% | 272 |
| Noninterest expense to average assets | 3.2469% | 2,671 |
| Loan and lease loss provision to assets | 0.6912% | 1,398 |
| Net operating income to assets | 2.0396% | 319 |
| Return on assets (ROA) | 2.0396% | 342 |
| Pretax return on assets | 3.2302% | 116 |
| Return on Equity (ROE) | 16.6981% | 600 |
| Retained earnings to average equity (ytd only) | 16.6981% | 158 |
| Net charge-offs to loans | 0.5547% | 2,572 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 9.4555% | 2,042 |
| Efficiency ratio | 45.2953% | 7,092 |
| Assets per employee ($millions) | 4.3732% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 6,210 |
| Loan loss allowance to noncurrent loans | 17.8996% | 6,744 |
| Noncurrent assets plus other real estate owned to assets | 4.6908% | 1,258 |
| Noncurrent loans to loans | 5.6552% | 1,032 |
| Net loans and leases to total assets | 72.5872% | 1,590 |
| Net loans and leases to deposits | 82.6578% | 2,230 |
| Net loans and leases to core deposits | 84.3221% | 3,017 |
| Total domestic deposits to total assets | 87.8165% | 2,156 |
| Equity capital to assets | 10.7781% | 3,388 |
| Core capital (leverage) ratio | 9.8602% | 3,637 |
| Tier 1 risk-based capital ratio | 11.2742% | 6,383 |
| Total risk-based capital ratio | 12.1910% | 6,552 |
| Memoranda: | ||
| Average total assets | $231,476,500 | 2,717 |
| Average earning assets | $210,567,000 | 2,729 |
| Average equity | $28,274,000 | 2,313 |
| Average total loans | $173,059,750 | 2,351 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5941% | 1,083 |
| Cost of funding earning assets | 0.4022% | 7,120 |
| Net interest margin | 5.1919% | 282 |
| Noninterest income to average assets | 0.3207% | 5,333 |
| Noninterest expense to average assets | 3.0437% | 3,463 |
| Loan and lease loss provision to assets | 0.4675% | 2,111 |
| Net operating income to assets | 0.9912% | 2,267 |
| Return on assets (ROA) | 0.9912% | 2,367 |
| Pretax return on assets | 1.5167% | 1,485 |
| Return on Equity (ROE) | 7.7130% | 3,090 |
| Retained earnings to average equity (ytd only) | 7.7130% | 1,574 |
| Net charge-offs to loans | 0.3386% | 3,215 |
| Credit loss provision to net charge-offs | 183.1502% | 1,650 |
| Earnings coverage of net charge-offs (x) | 7.7729% | 2,171 |
| Efficiency ratio | 60.5356% | 5,795 |
| Assets per employee ($millions) | 4.6320% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 5,664 |
| Loan loss allowance to noncurrent loans | 29.4481% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 3.2384% | 2,067 |
| Noncurrent loans to loans | 3.9796% | 1,743 |
| Net loans and leases to total assets | 73.4974% | 1,507 |
| Net loans and leases to deposits | 85.1689% | 1,916 |
| Net loans and leases to core deposits | 88.0478% | 2,642 |
| Total domestic deposits to total assets | 86.2961% | 3,159 |
| Equity capital to assets | 13.1717% | 1,437 |
| Core capital (leverage) ratio | 11.4952% | 1,911 |
| Tier 1 risk-based capital ratio | 13.7170% | 4,368 |
| Total risk-based capital ratio | 14.8055% | 4,467 |
| Memoranda: | ||
| Average total assets | $213,881,670 | 2,925 |
| Average earning assets | $193,917,000 | 2,948 |
| Average equity | $27,486,000 | 2,349 |
| Average total loans | $161,264,000 | 2,520 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6764% | 929 |
| Cost of funding earning assets | 0.4309% | 7,158 |
| Net interest margin | 5.2454% | 239 |
| Noninterest income to average assets | 0.5992% | 3,170 |
| Noninterest expense to average assets | 3.0856% | 3,310 |
| Loan and lease loss provision to assets | 0.4853% | 1,811 |
| Net operating income to assets | 1.1349% | 1,719 |
| Return on assets (ROA) | 1.1349% | 1,765 |
| Pretax return on assets | 1.7771% | 855 |
| Return on Equity (ROE) | 8.9423% | 2,499 |
| Retained earnings to average equity (ytd only) | 8.9423% | 1,400 |
| Net charge-offs to loans | 0.4844% | 2,260 |
| Credit loss provision to net charge-offs | 131.9797% | 2,102 |
| Earnings coverage of net charge-offs (x) | 6.1523% | 2,147 |
| Efficiency ratio | 57.6963% | 6,300 |
| Assets per employee ($millions) | 4.6591% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 6,209 |
| Loan loss allowance to noncurrent loans | 30.6204% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 3.1337% | 2,204 |
| Noncurrent loans to loans | 3.4434% | 2,177 |
| Net loans and leases to total assets | 71.0418% | 1,906 |
| Net loans and leases to deposits | 81.4685% | 2,450 |
| Net loans and leases to core deposits | 84.6503% | 3,077 |
| Total domestic deposits to total assets | 87.2015% | 2,829 |
| Equity capital to assets | 12.3012% | 1,736 |
| Core capital (leverage) ratio | 11.2574% | 1,998 |
| Tier 1 risk-based capital ratio | 13.1800% | 4,681 |
| Total risk-based capital ratio | 14.1588% | 4,876 |
| Memoranda: | ||
| Average total assets | $214,287,500 | 2,944 |
| Average earning assets | $193,997,500 | 2,957 |
| Average equity | $27,196,500 | 2,357 |
| Average total loans | $162,667,000 | 2,527 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3441% | 425 |
| Cost of funding earning assets | 0.7567% | 6,716 |
| Net interest margin | 5.5874% | 150 |
| Noninterest income to average assets | 0.5689% | 3,682 |
| Noninterest expense to average assets | 3.0528% | 3,651 |
| Loan and lease loss provision to assets | 0.6954% | 2,356 |
| Net operating income to assets | 1.0978% | 1,709 |
| Return on assets (ROA) | 1.0978% | 1,795 |
| Pretax return on assets | 1.7655% | 814 |
| Return on Equity (ROE) | 8.8969% | 2,333 |
| Retained earnings to average equity (ytd only) | 7.7751% | 1,049 |
| Net charge-offs to loans | 0.7456% | 2,787 |
| Credit loss provision to net charge-offs | 116.2809% | 3,699 |
| Earnings coverage of net charge-offs (x) | 4.1149% | 3,057 |
| Efficiency ratio | 55.3670% | 6,670 |
| Assets per employee ($millions) | 4.2696% | 3,262 |
| Cash dividends to net income (ytd only)* | 12.6087% | 3,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 6,430 |
| Loan loss allowance to noncurrent loans | 53.3726% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 2.0113% | 3,332 |
| Noncurrent loans to loans | 1.8535% | 3,749 |
| Net loans and leases to total assets | 79.6022% | 715 |
| Net loans and leases to deposits | 92.3770% | 1,225 |
| Net loans and leases to core deposits | 102.0831% | 1,448 |
| Total domestic deposits to total assets | 86.1710% | 3,265 |
| Equity capital to assets | 13.1176% | 1,338 |
| Core capital (leverage) ratio | 11.1590% | 2,041 |
| Tier 1 risk-based capital ratio | 12.6905% | 4,870 |
| Total risk-based capital ratio | 13.6244% | 5,107 |
| Memoranda: | ||
| Average total assets | $209,510,800 | 2,986 |
| Average earning assets | $185,417,400 | 3,056 |
| Average equity | $25,851,600 | 2,474 |
| Average total loans | $168,060,200 | 2,496 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3408% | 468 |
| Cost of funding earning assets | 0.8156% | 6,710 |
| Net interest margin | 5.5252% | 166 |
| Noninterest income to average assets | 0.5608% | 3,709 |
| Noninterest expense to average assets | 2.9824% | 3,812 |
| Loan and lease loss provision to assets | 0.7127% | 2,143 |
| Net operating income to assets | 1.0336% | 2,130 |
| Return on assets (ROA) | 1.0336% | 2,230 |
| Pretax return on assets | 1.7323% | 1,047 |
| Return on Equity (ROE) | 8.5071% | 2,684 |
| Retained earnings to average equity (ytd only) | 8.5071% | 1,236 |
| Net charge-offs to loans | 0.5747% | 3,023 |
| Credit loss provision to net charge-offs | 154.6703% | 2,488 |
| Earnings coverage of net charge-offs (x) | 5.3063% | 2,781 |
| Efficiency ratio | 54.9504% | 6,692 |
| Assets per employee ($millions) | 4.4006% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 6,047 |
| Loan loss allowance to noncurrent loans | 40.0839% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 2.6046% | 2,776 |
| Noncurrent loans to loans | 2.6798% | 2,950 |
| Net loans and leases to total assets | 80.8183% | 637 |
| Net loans and leases to deposits | 97.5142% | 841 |
| Net loans and leases to core deposits | 108.7287% | 1,108 |
| Total domestic deposits to total assets | 82.8784% | 4,640 |
| Equity capital to assets | 12.8059% | 1,678 |
| Core capital (leverage) ratio | 10.8010% | 2,410 |
| Tier 1 risk-based capital ratio | 12.1250% | 5,340 |
| Total risk-based capital ratio | 13.1393% | 5,537 |
| Memoranda: | ||
| Average total assets | $210,653,750 | 3,025 |
| Average earning assets | $185,545,500 | 3,103 |
| Average equity | $25,593,750 | 2,532 |
| Average total loans | $168,883,750 | 2,529 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3190% | 496 |
| Cost of funding earning assets | 0.9073% | 6,548 |
| Net interest margin | 5.4117% | 194 |
| Noninterest income to average assets | 0.5304% | 3,875 |
| Noninterest expense to average assets | 2.9104% | 4,038 |
| Loan and lease loss provision to assets | 0.7503% | 1,926 |
| Net operating income to assets | 0.9352% | 2,419 |
| Return on assets (ROA) | 0.9352% | 2,509 |
| Pretax return on assets | 1.5977% | 1,310 |
| Return on Equity (ROE) | 7.8351% | 2,946 |
| Retained earnings to average equity (ytd only) | 7.8351% | 1,497 |
| Net charge-offs to loans | 0.5827% | 2,787 |
| Credit loss provision to net charge-offs | 161.5854% | 2,440 |
| Earnings coverage of net charge-offs (x) | 5.0569% | 2,763 |
| Efficiency ratio | 55.3482% | 6,721 |
| Assets per employee ($millions) | 4.7377% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 6,271 |
| Loan loss allowance to noncurrent loans | 77.1646% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.8285% | 3,723 |
| Noncurrent loans to loans | 1.3344% | 4,721 |
| Net loans and leases to total assets | 75.8607% | 1,516 |
| Net loans and leases to deposits | 90.6910% | 1,740 |
| Net loans and leases to core deposits | 102.9536% | 1,739 |
| Total domestic deposits to total assets | 83.6474% | 4,266 |
| Equity capital to assets | 11.8480% | 2,187 |
| Core capital (leverage) ratio | 10.4261% | 2,686 |
| Tier 1 risk-based capital ratio | 11.1324% | 6,113 |
| Total risk-based capital ratio | 12.0440% | 6,436 |
| Memoranda: | ||
| Average total assets | $211,929,330 | 3,034 |
| Average earning assets | $185,155,000 | 3,134 |
| Average equity | $25,296,330 | 2,562 |
| Average total loans | $168,855,330 | 2,566 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4817% | 369 |
| Cost of funding earning assets | 0.9272% | 6,668 |
| Net interest margin | 5.5545% | 166 |
| Noninterest income to average assets | 0.5610% | 3,554 |
| Noninterest expense to average assets | 2.9829% | 3,738 |
| Loan and lease loss provision to assets | 0.8252% | 1,535 |
| Net operating income to assets | 0.9018% | 2,536 |
| Return on assets (ROA) | 0.9018% | 2,609 |
| Pretax return on assets | 1.5240% | 1,457 |
| Return on Equity (ROE) | 7.5258% | 3,099 |
| Retained earnings to average equity (ytd only) | 7.5258% | 1,910 |
| Net charge-offs to loans | 0.9166% | 1,750 |
| Credit loss provision to net charge-offs | 110.7969% | 3,117 |
| Earnings coverage of net charge-offs (x) | 3.1542% | 3,002 |
| Efficiency ratio | 55.9425% | 6,772 |
| Assets per employee ($millions) | 4.3503% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 6,936 |
| Loan loss allowance to noncurrent loans | 50.1375% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 1.9337% | 3,580 |
| Noncurrent loans to loans | 1.7287% | 4,147 |
| Net loans and leases to total assets | 78.2861% | 1,095 |
| Net loans and leases to deposits | 93.8761% | 1,362 |
| Net loans and leases to core deposits | 109.7168% | 1,295 |
| Total domestic deposits to total assets | 83.3930% | 4,431 |
| Equity capital to assets | 11.8595% | 2,126 |
| Core capital (leverage) ratio | 10.3796% | 2,739 |
| Tier 1 risk-based capital ratio | 10.8301% | 6,311 |
| Total risk-based capital ratio | 11.6061% | 6,753 |
| Memoranda: | ||
| Average total assets | $208,926,500 | 3,110 |
| Average earning assets | $179,458,000 | 3,257 |
| Average equity | $25,034,000 | 2,606 |
| Average total loans | $169,759,500 | 2,613 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2643% | 1,090 |
| Cost of funding earning assets | 1.0899% | 7,008 |
| Net interest margin | 5.1743% | 310 |
| Noninterest income to average assets | 0.6700% | 3,159 |
| Noninterest expense to average assets | 3.7054% | 1,902 |
| Loan and lease loss provision to assets | 0.2640% | 5,294 |
| Net operating income to assets | 0.8103% | 2,496 |
| Return on assets (ROA) | 0.8103% | 2,579 |
| Pretax return on assets | 1.2831% | 1,743 |
| Return on Equity (ROE) | 6.9453% | 2,809 |
| Retained earnings to average equity (ytd only) | 5.6119% | 1,519 |
| Net charge-offs to loans | 0.5699% | 3,513 |
| Credit loss provision to net charge-offs | 54.9745% | 6,696 |
| Earnings coverage of net charge-offs (x) | 3.2219% | 3,442 |
| Efficiency ratio | 70.5457% | 4,516 |
| Assets per employee ($millions) | 4.1773% | 3,481 |
| Cash dividends to net income (ytd only)* | 19.1988% | 3,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8278% | 7,054 |
| Loan loss allowance to noncurrent loans | 57.8840% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.6185% | 3,943 |
| Noncurrent loans to loans | 1.4300% | 4,534 |
| Net loans and leases to total assets | 82.9381% | 556 |
| Net loans and leases to deposits | 102.4804% | 723 |
| Net loans and leases to core deposits | 124.1733% | 1,625 |
| Total domestic deposits to total assets | 80.9307% | 5,365 |
| Equity capital to assets | 12.1100% | 1,972 |
| Core capital (leverage) ratio | 10.3883% | 2,696 |
| Tier 1 risk-based capital ratio | 10.6176% | 6,282 |
| Total risk-based capital ratio | 11.3738% | 6,735 |
| Memoranda: | ||
| Average total assets | $163,273,600 | 3,709 |
| Average earning assets | $144,598,000 | 3,804 |
| Average equity | $19,048,800 | 3,339 |
| Average total loans | $137,565,000 | 3,124 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9380% | 2,278 |
| Cost of funding earning assets | 1.1712% | 6,970 |
| Net interest margin | 4.7668% | 727 |
| Noninterest income to average assets | 0.5763% | 3,881 |
| Noninterest expense to average assets | 3.6184% | 1,988 |
| Loan and lease loss provision to assets | 0.1308% | 6,048 |
| Net operating income to assets | 0.6687% | 3,319 |
| Return on assets (ROA) | 0.6687% | 3,379 |
| Pretax return on assets | 1.0428% | 2,764 |
| Return on Equity (ROE) | 5.8058% | 3,604 |
| Retained earnings to average equity (ytd only) | 5.8058% | 2,042 |
| Net charge-offs to loans | 0.6565% | 2,714 |
| Credit loss provision to net charge-offs | 23.5849% | 6,544 |
| Earnings coverage of net charge-offs (x) | 2.1163% | 4,232 |
| Efficiency ratio | 75.5095% | 3,586 |
| Assets per employee ($millions) | 4.4227% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7507% | 7,261 |
| Loan loss allowance to noncurrent loans | 75.8417% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.2480% | 4,568 |
| Noncurrent loans to loans | 0.9898% | 5,326 |
| Net loans and leases to total assets | 83.4461% | 615 |
| Net loans and leases to deposits | 99.0727% | 1,206 |
| Net loans and leases to core deposits | 122.4879% | 2,031 |
| Total domestic deposits to total assets | 84.2272% | 3,610 |
| Equity capital to assets | 12.0175% | 2,232 |
| Core capital (leverage) ratio | 14.5436% | 946 |
| Tier 1 risk-based capital ratio | 10.4625% | 6,512 |
| Total risk-based capital ratio | 11.1381% | 7,029 |
| Memoranda: | ||
| Average total assets | $152,919,500 | 3,932 |
| Average earning assets | $135,238,000 | 4,018 |
| Average equity | $17,614,000 | 3,590 |
| Average total loans | $129,160,500 | 3,316 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4614% | 897 |
| Cost of funding earning assets | 1.3669% | 6,595 |
| Net interest margin | 5.0944% | 361 |
| Noninterest income to average assets | 0.6114% | 3,592 |
| Noninterest expense to average assets | 3.6773% | 1,883 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9157% | 2,391 |
| Return on assets (ROA) | 0.9157% | 2,489 |
| Pretax return on assets | 1.4477% | 1,596 |
| Return on Equity (ROE) | 8.1248% | 2,717 |
| Retained earnings to average equity (ytd only) | 8.1248% | 1,170 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7522% | 4,466 |
| Assets per employee ($millions) | 3.6585% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5257% | 3,058 |
| Loan loss allowance to noncurrent loans | 58.3196% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 2.3108% | 2,815 |
| Noncurrent loans to loans | 2.6160% | 2,763 |
| Net loans and leases to total assets | 84.3990% | 582 |
| Net loans and leases to deposits | 96.3556% | 1,739 |
| Net loans and leases to core deposits | 117.7771% | 2,560 |
| Total domestic deposits to total assets | 87.5911% | 1,973 |
| Equity capital to assets | 11.5807% | 2,484 |
| Core capital (leverage) ratio | 11.4920% | 2,091 |
| Tier 1 risk-based capital ratio | 12.0622% | 4,861 |
| Total risk-based capital ratio | 13.3087% | 4,781 |
| Memoranda: | ||
| Average total assets | $136,077,670 | 4,259 |
| Average earning assets | $120,562,670 | 4,353 |
| Average equity | $15,335,670 | 4,059 |
| Average total loans | $115,197,000 | 3,642 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4672% | 922 |
| Cost of funding earning assets | 1.4516% | 6,568 |
| Net interest margin | 5.0157% | 387 |
| Noninterest income to average assets | 0.6010% | 3,541 |
| Noninterest expense to average assets | 3.6530% | 1,748 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8766% | 2,812 |
| Return on assets (ROA) | 0.8766% | 2,955 |
| Pretax return on assets | 1.3750% | 2,043 |
| Return on Equity (ROE) | 7.8863% | 3,198 |
| Retained earnings to average equity (ytd only) | 7.8863% | 1,859 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6531% | 4,072 |
| Assets per employee ($millions) | 3.5115% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 2,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 7,303 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 80.1508% | 1,356 |
| Net loans and leases to deposits | 90.7324% | 2,825 |
| Net loans and leases to core deposits | 110.1157% | 3,422 |
| Total domestic deposits to total assets | 88.3375% | 1,559 |
| Equity capital to assets | 10.9128% | 3,052 |
| Core capital (leverage) ratio | 11.0373% | 2,475 |
| Tier 1 risk-based capital ratio | 11.4543% | 5,457 |
| Total risk-based capital ratio | 12.7060% | 5,351 |
| Memoranda: | ||
| Average total assets | $136,435,000 | 4,271 |
| Average earning assets | $120,422,500 | 4,373 |
| Average equity | $15,165,500 | 4,113 |
| Average total loans | $114,788,000 | 3,678 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2352% | 682 |
| Cost of funding earning assets | 1.7237% | 7,208 |
| Net interest margin | 5.5115% | 202 |
| Noninterest income to average assets | 0.5785% | 4,015 |
| Noninterest expense to average assets | 3.5725% | 2,218 |
| Loan and lease loss provision to assets | 0.6316% | 2,301 |
| Net operating income to assets | 0.7726% | 3,562 |
| Return on assets (ROA) | 0.7726% | 3,399 |
| Pretax return on assets | 1.1993% | 2,642 |
| Return on Equity (ROE) | 6.7937% | 3,623 |
| Retained earnings to average equity (ytd only) | 5.4661% | 1,778 |
| Net charge-offs to loans | 0.0295% | 6,410 |
| Credit loss provision to net charge-offs | 2,562.5000% | 179 |
| Earnings coverage of net charge-offs (x) | 74.2813% | 551 |
| Efficiency ratio | 66.1155% | 5,106 |
| Assets per employee ($millions) | 3.3952% | 4,960 |
| Cash dividends to net income (ytd only)* | 19.5414% | 4,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 2,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 7,171 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 85.6855% | 642 |
| Net loans and leases to deposits | 97.5219% | 2,191 |
| Net loans and leases to core deposits | 117.9791% | 2,888 |
| Total domestic deposits to total assets | 87.8628% | 1,532 |
| Equity capital to assets | 11.3306% | 2,769 |
| Core capital (leverage) ratio | 11.4124% | 2,303 |
| Tier 1 risk-based capital ratio | 11.8302% | 4,959 |
| Total risk-based capital ratio | 13.2646% | 4,697 |
| Memoranda: | ||
| Average total assets | $129,825,200 | 4,289 |
| Average earning assets | $113,652,800 | 4,431 |
| Average equity | $14,763,600 | 4,184 |
| Average total loans | $108,351,800 | 3,725 |