Home > The Highlands Bank > Performance and Condition Ratios
The Highlands Bank, Performance and Condition Ratios
| 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 | 4.3439% | 2,126 |
| Cost of funding earning assets | 0.4312% | 2,879 |
| Net interest margin | 3.9127% | 1,994 |
| Noninterest income to average assets | 0.6570% | 2,177 |
| Noninterest expense to average assets | 2.7635% | 2,849 |
| Loan and lease loss provision to assets | 0.0817% | 2,459 |
| Net operating income to assets | 1.4860% | 925 |
| Return on assets (ROA) | 1.4860% | 941 |
| Pretax return on assets | 1.4860% | 1,818 |
| Return on Equity (ROE) | 11.8078% | 1,394 |
| Retained earnings to average equity (ytd only) | 7.2573% | 1,563 |
| Net charge-offs to loans | 0.1401% | 1,405 |
| Credit loss provision to net charge-offs | 83.9286% | 2,530 |
| Earnings coverage of net charge-offs (x) | 16.1071% | 2,183 |
| Efficiency ratio | 63.8042% | 3,586 |
| Assets per employee ($millions) | 4.5320% | 3,088 |
| Cash dividends to net income (ytd only)* | 38.5379% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8689% | 4,695 |
| Loan loss allowance to noncurrent loans | 51.3602% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.2227% | 1,341 |
| Noncurrent loans to loans | 1.6919% | 1,067 |
| Net loans and leases to total assets | 69.8906% | 2,574 |
| Net loans and leases to deposits | 84.2563% | 2,533 |
| Net loans and leases to core deposits | 97.8707% | 1,898 |
| Total domestic deposits to total assets | 82.9500% | 3,471 |
| Equity capital to assets | 12.9497% | 1,413 |
| Core capital (leverage) ratio | 13.0319% | 1,195 |
| Tier 1 risk-based capital ratio | 18.8926% | 1,619 |
| Total risk-based capital ratio | 19.7847% | 1,670 |
| Memoranda: | ||
| Average total assets | $153,423,250 | 3,456 |
| Average earning assets | $144,075,750 | 3,425 |
| Average equity | $19,308,750 | 3,240 |
| Average total loans | $106,566,000 | 3,266 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2963% | 2,141 |
| Cost of funding earning assets | 0.4175% | 2,911 |
| Net interest margin | 3.8788% | 2,008 |
| Noninterest income to average assets | 0.6358% | 2,282 |
| Noninterest expense to average assets | 2.7506% | 2,928 |
| Loan and lease loss provision to assets | 0.0822% | 2,344 |
| Net operating income to assets | 1.4412% | 970 |
| Return on assets (ROA) | 1.4412% | 997 |
| Pretax return on assets | 1.4412% | 1,852 |
| Return on Equity (ROE) | 11.5640% | 1,438 |
| Retained earnings to average equity (ytd only) | 4.6612% | 2,939 |
| Net charge-offs to loans | 0.1946% | 1,035 |
| Credit loss provision to net charge-offs | 61.1650% | 2,456 |
| Earnings coverage of net charge-offs (x) | 11.3301% | 2,282 |
| Efficiency ratio | 64.3555% | 3,617 |
| Assets per employee ($millions) | 4.1704% | 3,680 |
| Cash dividends to net income (ytd only)* | 59.6920% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8768% | 4,728 |
| Loan loss allowance to noncurrent loans | 50.3821% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 1.2542% | 1,339 |
| Noncurrent loans to loans | 1.7404% | 1,041 |
| Net loans and leases to total assets | 69.4988% | 2,599 |
| Net loans and leases to deposits | 83.8782% | 2,496 |
| Net loans and leases to core deposits | 93.0412% | 2,242 |
| Total domestic deposits to total assets | 82.8568% | 3,607 |
| Equity capital to assets | 12.8817% | 1,428 |
| Core capital (leverage) ratio | 12.6729% | 1,305 |
| Tier 1 risk-based capital ratio | 18.9165% | 1,606 |
| Total risk-based capital ratio | 19.8171% | 1,663 |
| Memoranda: | ||
| Average total assets | $153,201,670 | 3,476 |
| Average earning assets | $143,706,000 | 3,445 |
| Average equity | $19,093,670 | 3,265 |
| Average total loans | $105,875,670 | 3,281 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2323% | 2,160 |
| Cost of funding earning assets | 0.4161% | 2,846 |
| Net interest margin | 3.8162% | 2,061 |
| Noninterest income to average assets | 0.6489% | 2,184 |
| Noninterest expense to average assets | 2.7091% | 3,110 |
| Loan and lease loss provision to assets | 0.0827% | 2,165 |
| Net operating income to assets | 1.4373% | 919 |
| Return on assets (ROA) | 1.4373% | 944 |
| Pretax return on assets | 1.4373% | 1,743 |
| Return on Equity (ROE) | 11.7235% | 1,331 |
| Retained earnings to average equity (ytd only) | 6.8949% | 1,891 |
| Net charge-offs to loans | 0.1884% | 907 |
| Credit loss provision to net charge-offs | 64.0000% | 1,877 |
| Earnings coverage of net charge-offs (x) | 11.7600% | 1,870 |
| Efficiency ratio | 64.0587% | 3,823 |
| Assets per employee ($millions) | 4.1811% | 3,694 |
| Cash dividends to net income (ytd only)* | 41.1871% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8945% | 4,777 |
| Loan loss allowance to noncurrent loans | 54.7826% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.1513% | 1,535 |
| Noncurrent loans to loans | 1.6328% | 1,192 |
| Net loans and leases to total assets | 67.6820% | 2,729 |
| Net loans and leases to deposits | 81.0070% | 2,620 |
| Net loans and leases to core deposits | 89.2800% | 2,422 |
| Total domestic deposits to total assets | 83.5507% | 3,638 |
| Equity capital to assets | 12.3885% | 1,606 |
| Core capital (leverage) ratio | 12.4024% | 1,389 |
| Tier 1 risk-based capital ratio | 18.8444% | 1,646 |
| Total risk-based capital ratio | 19.7686% | 1,694 |
| Memoranda: | ||
| Average total assets | $154,735,000 | 3,495 |
| Average earning assets | $145,169,500 | 3,458 |
| Average equity | $18,970,500 | 3,292 |
| Average total loans | $106,181,000 | 3,296 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3677% | 1,918 |
| Cost of funding earning assets | 0.4363% | 2,640 |
| Net interest margin | 3.9314% | 1,850 |
| Noninterest income to average assets | 0.6231% | 2,541 |
| Noninterest expense to average assets | 2.8492% | 2,847 |
| Loan and lease loss provision to assets | 0.1212% | 2,036 |
| Net operating income to assets | 1.3564% | 1,083 |
| Return on assets (ROA) | 1.3564% | 1,134 |
| Pretax return on assets | 1.3564% | 2,078 |
| Return on Equity (ROE) | 10.6824% | 1,699 |
| Retained earnings to average equity (ytd only) | 5.0592% | 2,307 |
| Net charge-offs to loans | 0.2139% | 1,298 |
| Credit loss provision to net charge-offs | 78.5714% | 2,992 |
| Earnings coverage of net charge-offs (x) | 9.5804% | 2,741 |
| Efficiency ratio | 65.8498% | 3,613 |
| Assets per employee ($millions) | 4.1830% | 3,642 |
| Cash dividends to net income (ytd only)* | 52.6396% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9024% | 4,778 |
| Loan loss allowance to noncurrent loans | 53.9496% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 1.1934% | 1,517 |
| Noncurrent loans to loans | 1.6727% | 1,156 |
| Net loans and leases to total assets | 68.3272% | 2,719 |
| Net loans and leases to deposits | 81.6048% | 2,714 |
| Net loans and leases to core deposits | 92.2429% | 2,279 |
| Total domestic deposits to total assets | 83.7294% | 3,528 |
| Equity capital to assets | 12.1316% | 1,721 |
| Core capital (leverage) ratio | 12.3963% | 1,383 |
| Tier 1 risk-based capital ratio | 18.7522% | 1,666 |
| Total risk-based capital ratio | 19.7056% | 1,703 |
| Memoranda: | ||
| Average total assets | $145,235,200 | 3,585 |
| Average earning assets | $136,822,200 | 3,540 |
| Average equity | $18,441,600 | 3,346 |
| Average total loans | $104,734,400 | 3,302 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5114% | 1,499 |
| Cost of funding earning assets | 0.4354% | 2,684 |
| Net interest margin | 4.0760% | 1,458 |
| Noninterest income to average assets | 0.6216% | 2,563 |
| Noninterest expense to average assets | 2.9027% | 2,637 |
| Loan and lease loss provision to assets | 0.0971% | 2,283 |
| Net operating income to assets | 1.4663% | 944 |
| Return on assets (ROA) | 1.4663% | 987 |
| Pretax return on assets | 1.4663% | 1,826 |
| Return on Equity (ROE) | 11.4098% | 1,523 |
| Retained earnings to average equity (ytd only) | 3.8783% | 3,542 |
| Net charge-offs to loans | 0.0269% | 3,128 |
| Credit loss provision to net charge-offs | 495.2381% | 716 |
| Earnings coverage of net charge-offs (x) | 79.7600% | 789 |
| Efficiency ratio | 64.9948% | 3,765 |
| Assets per employee ($millions) | 4.1053% | 3,779 |
| Cash dividends to net income (ytd only)* | 66.0089% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 4,258 |
| Loan loss allowance to noncurrent loans | 212.8405% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 3,850 |
| Noncurrent loans to loans | 0.4835% | 3,557 |
| Net loans and leases to total assets | 71.1985% | 2,318 |
| Net loans and leases to deposits | 85.6846% | 2,295 |
| Net loans and leases to core deposits | 97.3251% | 1,876 |
| Total domestic deposits to total assets | 83.0937% | 3,550 |
| Equity capital to assets | 12.5610% | 1,740 |
| Core capital (leverage) ratio | 12.6665% | 1,326 |
| Tier 1 risk-based capital ratio | 18.1546% | 1,869 |
| Total risk-based capital ratio | 19.2257% | 1,895 |
| Memoranda: | ||
| Average total assets | $142,851,500 | 3,636 |
| Average earning assets | $134,736,250 | 3,594 |
| Average equity | $18,358,000 | 3,388 |
| Average total loans | $104,239,750 | 3,324 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4684% | 1,615 |
| Cost of funding earning assets | 0.4244% | 2,784 |
| Net interest margin | 4.0441% | 1,515 |
| Noninterest income to average assets | 0.6246% | 2,487 |
| Noninterest expense to average assets | 2.9404% | 2,546 |
| Loan and lease loss provision to assets | 0.0595% | 2,948 |
| Net operating income to assets | 1.4447% | 979 |
| Return on assets (ROA) | 1.4447% | 1,031 |
| Pretax return on assets | 1.4447% | 1,857 |
| Return on Equity (ROE) | 11.1540% | 1,590 |
| Retained earnings to average equity (ytd only) | 3.3462% | 3,768 |
| Net charge-offs to loans | 0.0367% | 2,723 |
| Credit loss provision to net charge-offs | 221.0526% | 1,217 |
| Earnings coverage of net charge-offs (x) | 55.8947% | 921 |
| Efficiency ratio | 66.1568% | 3,659 |
| Assets per employee ($millions) | 3.7346% | 4,386 |
| Cash dividends to net income (ytd only)* | 70.0000% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 4,756 |
| Loan loss allowance to noncurrent loans | 205.5666% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 3,438 |
| Noncurrent loans to loans | 0.4622% | 3,713 |
| Net loans and leases to total assets | 74.0147% | 1,838 |
| Net loans and leases to deposits | 89.1669% | 1,845 |
| Net loans and leases to core deposits | 101.4970% | 1,511 |
| Total domestic deposits to total assets | 83.0070% | 3,651 |
| Equity capital to assets | 12.6181% | 1,704 |
| Core capital (leverage) ratio | 12.7650% | 1,247 |
| Tier 1 risk-based capital ratio | 18.0903% | 1,907 |
| Total risk-based capital ratio | 19.1117% | 1,931 |
| Memoranda: | ||
| Average total assets | $141,205,000 | 3,692 |
| Average earning assets | $133,380,000 | 3,636 |
| Average equity | $18,289,330 | 3,404 |
| Average total loans | $103,546,670 | 3,350 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4986% | 1,509 |
| Cost of funding earning assets | 0.4212% | 2,850 |
| Net interest margin | 4.0774% | 1,403 |
| Noninterest income to average assets | 0.6389% | 2,325 |
| Noninterest expense to average assets | 2.9816% | 2,452 |
| Loan and lease loss provision to assets | 0.0029% | 3,632 |
| Net operating income to assets | 1.4995% | 851 |
| Return on assets (ROA) | 1.4995% | 894 |
| Pretax return on assets | 1.4995% | 1,587 |
| Return on Equity (ROE) | 11.4223% | 1,474 |
| Retained earnings to average equity (ytd only) | 9.5807% | 959 |
| Net charge-offs to loans | 0.0753% | 1,735 |
| Credit loss provision to net charge-offs | 5.2632% | 2,393 |
| Earnings coverage of net charge-offs (x) | 27.4737% | 1,240 |
| Efficiency ratio | 66.4955% | 3,720 |
| Assets per employee ($millions) | 3.7018% | 4,469 |
| Cash dividends to net income (ytd only)* | 16.1228% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 4,817 |
| Loan loss allowance to noncurrent loans | 315.2381% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.4194% | 3,914 |
| Noncurrent loans to loans | 0.3033% | 4,339 |
| Net loans and leases to total assets | 73.1142% | 1,865 |
| Net loans and leases to deposits | 84.3993% | 2,263 |
| Net loans and leases to core deposits | 95.1539% | 1,875 |
| Total domestic deposits to total assets | 86.6289% | 2,396 |
| Equity capital to assets | 13.1450% | 1,342 |
| Core capital (leverage) ratio | 12.9894% | 1,162 |
| Tier 1 risk-based capital ratio | 19.0298% | 1,732 |
| Total risk-based capital ratio | 20.0543% | 1,749 |
| Memoranda: | ||
| Average total assets | $138,983,500 | 3,768 |
| Average earning assets | $131,063,000 | 3,698 |
| Average equity | $18,245,000 | 3,407 |
| Average total loans | $100,902,500 | 3,405 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 1,885 |
| Cost of funding earning assets | 0.4257% | 2,890 |
| Net interest margin | 3.9794% | 1,786 |
| Noninterest income to average assets | 0.5910% | 2,767 |
| Noninterest expense to average assets | 2.8222% | 3,141 |
| Loan and lease loss provision to assets | 0.5099% | 221 |
| Net operating income to assets | 1.0134% | 2,290 |
| Return on assets (ROA) | 1.0134% | 2,374 |
| Pretax return on assets | 1.0134% | 3,406 |
| Return on Equity (ROE) | 7.9781% | 2,969 |
| Retained earnings to average equity (ytd only) | 4.0596% | 3,122 |
| Net charge-offs to loans | 0.7383% | 318 |
| Credit loss provision to net charge-offs | 96.6033% | 2,625 |
| Earnings coverage of net charge-offs (x) | 2.8859% | 3,810 |
| Efficiency ratio | 64.9447% | 4,092 |
| Assets per employee ($millions) | 3.6131% | 4,625 |
| Cash dividends to net income (ytd only)* | 49.1154% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 4,429 |
| Loan loss allowance to noncurrent loans | 268.1698% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 3,558 |
| Noncurrent loans to loans | 0.3848% | 4,073 |
| Net loans and leases to total assets | 70.6143% | 2,277 |
| Net loans and leases to deposits | 81.4839% | 2,653 |
| Net loans and leases to core deposits | 91.8759% | 2,236 |
| Total domestic deposits to total assets | 86.6604% | 2,291 |
| Equity capital to assets | 13.1094% | 1,296 |
| Core capital (leverage) ratio | 12.9265% | 1,174 |
| Tier 1 risk-based capital ratio | 20.0926% | 1,467 |
| Total risk-based capital ratio | 21.2206% | 1,462 |
| Memoranda: | ||
| Average total assets | $139,431,600 | 3,728 |
| Average earning assets | $131,552,000 | 3,669 |
| Average equity | $17,711,000 | 3,423 |
| Average total loans | $99,691,800 | 3,388 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4278% | 1,821 |
| Cost of funding earning assets | 0.4256% | 2,955 |
| Net interest margin | 4.0021% | 1,696 |
| Noninterest income to average assets | 0.6602% | 2,425 |
| Noninterest expense to average assets | 2.7816% | 3,266 |
| Loan and lease loss provision to assets | 0.4811% | 217 |
| Net operating income to assets | 1.1774% | 1,724 |
| Return on assets (ROA) | 1.1774% | 1,797 |
| Pretax return on assets | 1.1774% | 2,903 |
| Return on Equity (ROE) | 9.3427% | 2,391 |
| Retained earnings to average equity (ytd only) | 4.0969% | 3,545 |
| Net charge-offs to loans | 0.7977% | 253 |
| Credit loss provision to net charge-offs | 84.3072% | 2,546 |
| Earnings coverage of net charge-offs (x) | 2.9065% | 3,584 |
| Efficiency ratio | 62.6475% | 4,467 |
| Assets per employee ($millions) | 3.7361% | 4,381 |
| Cash dividends to net income (ytd only)* | 56.1488% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 4,908 |
| Loan loss allowance to noncurrent loans | 174.7681% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6373% | 3,350 |
| Noncurrent loans to loans | 0.5533% | 3,676 |
| Net loans and leases to total assets | 69.7843% | 2,421 |
| Net loans and leases to deposits | 80.3885% | 2,833 |
| Net loans and leases to core deposits | 89.2568% | 2,531 |
| Total domestic deposits to total assets | 86.8088% | 2,133 |
| Equity capital to assets | 12.9192% | 1,489 |
| Core capital (leverage) ratio | 12.8249% | 1,262 |
| Tier 1 risk-based capital ratio | 19.8206% | 1,596 |
| Total risk-based capital ratio | 20.8677% | 1,611 |
| Memoranda: | ||
| Average total assets | $139,965,000 | 3,758 |
| Average earning assets | $132,193,000 | 3,692 |
| Average equity | $17,639,000 | 3,459 |
| Average total loans | $100,124,000 | 3,419 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 1,830 |
| Cost of funding earning assets | 0.4305% | 2,929 |
| Net interest margin | 3.9771% | 1,713 |
| Noninterest income to average assets | 0.6532% | 2,460 |
| Noninterest expense to average assets | 2.8006% | 3,235 |
| Loan and lease loss provision to assets | 0.0683% | 2,748 |
| Net operating income to assets | 1.5440% | 834 |
| Return on assets (ROA) | 1.5440% | 867 |
| Pretax return on assets | 1.5440% | 1,510 |
| Return on Equity (ROE) | 12.3536% | 1,271 |
| Retained earnings to average equity (ytd only) | 5.0439% | 2,835 |
| Net charge-offs to loans | 0.0119% | 3,496 |
| Credit loss provision to net charge-offs | 800.0000% | 426 |
| Earnings coverage of net charge-offs (x) | 188.8333% | 358 |
| Efficiency ratio | 63.4634% | 4,436 |
| Assets per employee ($millions) | 3.8386% | 4,191 |
| Cash dividends to net income (ytd only)* | 59.1705% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 4,531 |
| Loan loss allowance to noncurrent loans | 281.4621% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 3,834 |
| Noncurrent loans to loans | 0.3772% | 4,355 |
| Net loans and leases to total assets | 72.6990% | 1,863 |
| Net loans and leases to deposits | 83.6424% | 2,358 |
| Net loans and leases to core deposits | 93.7740% | 1,981 |
| Total domestic deposits to total assets | 86.9165% | 2,211 |
| Equity capital to assets | 12.8382% | 1,470 |
| Core capital (leverage) ratio | 12.5438% | 1,354 |
| Tier 1 risk-based capital ratio | 19.7279% | 1,615 |
| Total risk-based capital ratio | 20.9272% | 1,592 |
| Memoranda: | ||
| Average total assets | $140,541,330 | 3,774 |
| Average earning assets | $132,859,670 | 3,710 |
| Average equity | $17,565,670 | 3,486 |
| Average total loans | $101,029,000 | 3,420 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3753% | 1,853 |
| Cost of funding earning assets | 0.4322% | 2,955 |
| Net interest margin | 3.9432% | 1,733 |
| Noninterest income to average assets | 0.6351% | 2,471 |
| Noninterest expense to average assets | 2.7096% | 3,552 |
| Loan and lease loss provision to assets | 0.0875% | 2,232 |
| Net operating income to assets | 1.5721% | 745 |
| Return on assets (ROA) | 1.5721% | 780 |
| Pretax return on assets | 1.5721% | 1,342 |
| Return on Equity (ROE) | 12.7475% | 1,149 |
| Retained earnings to average equity (ytd only) | 8.5364% | 1,363 |
| Net charge-offs to loans | 0.0357% | 2,498 |
| Credit loss provision to net charge-offs | 344.4444% | 735 |
| Earnings coverage of net charge-offs (x) | 65.3333% | 683 |
| Efficiency ratio | 62.0155% | 4,794 |
| Assets per employee ($millions) | 3.8720% | 4,212 |
| Cash dividends to net income (ytd only)* | 33.0341% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 4,713 |
| Loan loss allowance to noncurrent loans | 220.6250% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 3,705 |
| Noncurrent loans to loans | 0.4799% | 4,138 |
| Net loans and leases to total assets | 69.0802% | 2,270 |
| Net loans and leases to deposits | 78.9765% | 2,685 |
| Net loans and leases to core deposits | 88.1462% | 2,313 |
| Total domestic deposits to total assets | 87.4693% | 2,127 |
| Equity capital to assets | 12.3527% | 1,783 |
| Core capital (leverage) ratio | 12.3369% | 1,433 |
| Tier 1 risk-based capital ratio | 19.9388% | 1,636 |
| Total risk-based capital ratio | 21.1343% | 1,615 |
| Memoranda: | ||
| Average total assets | $141,717,500 | 3,784 |
| Average earning assets | $134,207,000 | 3,713 |
| Average equity | $17,478,000 | 3,525 |
| Average total loans | $100,773,500 | 3,440 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5917% | 1,583 |
| Cost of funding earning assets | 0.4761% | 2,927 |
| Net interest margin | 4.1156% | 1,530 |
| Noninterest income to average assets | 0.6497% | 2,550 |
| Noninterest expense to average assets | 2.9249% | 3,068 |
| Loan and lease loss provision to assets | 0.1225% | 2,139 |
| Net operating income to assets | 1.4915% | 894 |
| Return on assets (ROA) | 1.4772% | 960 |
| Pretax return on assets | 1.4772% | 1,629 |
| Return on Equity (ROE) | 12.4493% | 1,279 |
| Retained earnings to average equity (ytd only) | 6.8948% | 1,452 |
| Net charge-offs to loans | 0.2744% | 1,579 |
| Credit loss provision to net charge-offs | 61.7329% | 3,251 |
| Earnings coverage of net charge-offs (x) | 8.1336% | 2,923 |
| Efficiency ratio | 64.4413% | 4,523 |
| Assets per employee ($millions) | 3.7884% | 4,365 |
| Cash dividends to net income (ytd only)* | 44.6169% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 4,944 |
| Loan loss allowance to noncurrent loans | 341.9142% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 4,193 |
| Noncurrent loans to loans | 0.2985% | 4,775 |
| Net loans and leases to total assets | 71.6874% | 1,957 |
| Net loans and leases to deposits | 82.0366% | 2,465 |
| Net loans and leases to core deposits | 93.4171% | 1,957 |
| Total domestic deposits to total assets | 87.3847% | 2,092 |
| Equity capital to assets | 12.3128% | 1,764 |
| Core capital (leverage) ratio | 12.2020% | 1,498 |
| Tier 1 risk-based capital ratio | 18.8747% | 1,885 |
| Total risk-based capital ratio | 20.0057% | 1,886 |
| Memoranda: | ||
| Average total assets | $139,592,200 | 3,808 |
| Average earning assets | $131,912,200 | 3,725 |
| Average equity | $16,563,200 | 3,596 |
| Average total loans | $100,931,600 | 3,397 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5972% | 1,570 |
| Cost of funding earning assets | 0.4799% | 2,955 |
| Net interest margin | 4.1174% | 1,523 |
| Noninterest income to average assets | 0.6521% | 2,565 |
| Noninterest expense to average assets | 2.8120% | 3,415 |
| Loan and lease loss provision to assets | 0.1243% | 2,009 |
| Net operating income to assets | 1.6044% | 745 |
| Return on assets (ROA) | 1.6044% | 777 |
| Pretax return on assets | 1.6044% | 1,313 |
| Return on Equity (ROE) | 13.6509% | 1,062 |
| Retained earnings to average equity (ytd only) | 6.1665% | 2,297 |
| Net charge-offs to loans | 0.1336% | 2,451 |
| Credit loss provision to net charge-offs | 128.7129% | 1,795 |
| Earnings coverage of net charge-offs (x) | 17.9015% | 1,877 |
| Efficiency ratio | 61.9288% | 4,893 |
| Assets per employee ($millions) | 3.8522% | 4,186 |
| Cash dividends to net income (ytd only)* | 54.8273% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 4,504 |
| Loan loss allowance to noncurrent loans | 386.7987% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.4820% | 4,450 |
| Noncurrent loans to loans | 0.2972% | 5,014 |
| Net loans and leases to total assets | 70.7015% | 2,078 |
| Net loans and leases to deposits | 80.5179% | 2,614 |
| Net loans and leases to core deposits | 91.3875% | 2,080 |
| Total domestic deposits to total assets | 87.8084% | 1,862 |
| Equity capital to assets | 11.8120% | 2,213 |
| Core capital (leverage) ratio | 11.9048% | 1,758 |
| Tier 1 risk-based capital ratio | 18.2624% | 2,128 |
| Total risk-based capital ratio | 19.5124% | 2,094 |
| Memoranda: | ||
| Average total assets | $139,447,500 | 3,838 |
| Average earning assets | $131,699,000 | 3,752 |
| Average equity | $16,389,250 | 3,632 |
| Average total loans | $100,784,250 | 3,431 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6016% | 1,528 |
| Cost of funding earning assets | 0.4885% | 2,938 |
| Net interest margin | 4.1132% | 1,470 |
| Noninterest income to average assets | 0.6444% | 2,580 |
| Noninterest expense to average assets | 2.8045% | 3,487 |
| Loan and lease loss provision to assets | 0.1373% | 1,805 |
| Net operating income to assets | 1.5836% | 736 |
| Return on assets (ROA) | 1.5836% | 768 |
| Pretax return on assets | 1.5836% | 1,297 |
| Return on Equity (ROE) | 13.4973% | 1,055 |
| Retained earnings to average equity (ytd only) | 5.0861% | 2,906 |
| Net charge-offs to loans | 0.1912% | 1,877 |
| Credit loss provision to net charge-offs | 98.9583% | 2,039 |
| Earnings coverage of net charge-offs (x) | 12.4063% | 2,064 |
| Efficiency ratio | 61.9732% | 5,006 |
| Assets per employee ($millions) | 3.6246% | 4,607 |
| Cash dividends to net income (ytd only)* | 62.3175% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 4,690 |
| Loan loss allowance to noncurrent loans | 391.0959% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 4,506 |
| Noncurrent loans to loans | 0.2925% | 5,139 |
| Net loans and leases to total assets | 71.6487% | 1,805 |
| Net loans and leases to deposits | 81.6336% | 2,296 |
| Net loans and leases to core deposits | 92.4866% | 1,901 |
| Total domestic deposits to total assets | 87.7686% | 2,051 |
| Equity capital to assets | 11.9678% | 2,012 |
| Core capital (leverage) ratio | 11.8681% | 1,738 |
| Tier 1 risk-based capital ratio | 18.2216% | 2,159 |
| Total risk-based capital ratio | 19.4716% | 2,123 |
| Memoranda: | ||
| Average total assets | $138,419,000 | 3,876 |
| Average earning assets | $130,605,330 | 3,797 |
| Average equity | $16,240,330 | 3,654 |
| Average total loans | $100,397,330 | 3,451 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5909% | 1,530 |
| Cost of funding earning assets | 0.4952% | 2,956 |
| Net interest margin | 4.0957% | 1,462 |
| Noninterest income to average assets | 0.5852% | 2,822 |
| Noninterest expense to average assets | 2.7702% | 3,676 |
| Loan and lease loss provision to assets | 0.1384% | 1,756 |
| Net operating income to assets | 1.5393% | 750 |
| Return on assets (ROA) | 1.5393% | 783 |
| Pretax return on assets | 1.5393% | 1,310 |
| Return on Equity (ROE) | 13.2519% | 1,097 |
| Retained earnings to average equity (ytd only) | 7.3456% | 1,885 |
| Net charge-offs to loans | 0.0715% | 2,433 |
| Credit loss provision to net charge-offs | 266.6667% | 859 |
| Earnings coverage of net charge-offs (x) | 32.3333% | 1,003 |
| Efficiency ratio | 62.2813% | 5,084 |
| Assets per employee ($millions) | 3.6261% | 4,667 |
| Cash dividends to net income (ytd only)* | 44.5693% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 4,796 |
| Loan loss allowance to noncurrent loans | 319.3460% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.5480% | 4,506 |
| Noncurrent loans to loans | 0.3653% | 5,029 |
| Net loans and leases to total assets | 70.2223% | 1,849 |
| Net loans and leases to deposits | 79.6399% | 2,344 |
| Net loans and leases to core deposits | 90.6053% | 1,862 |
| Total domestic deposits to total assets | 88.1748% | 2,125 |
| Equity capital to assets | 11.5155% | 2,232 |
| Core capital (leverage) ratio | 11.9096% | 1,705 |
| Tier 1 risk-based capital ratio | 18.0138% | 2,289 |
| Total risk-based capital ratio | 19.2638% | 2,269 |
| Memoranda: | ||
| Average total assets | $138,760,500 | 3,901 |
| Average earning assets | $130,869,000 | 3,820 |
| Average equity | $16,118,500 | 3,680 |
| Average total loans | $100,682,000 | 3,452 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 1,811 |
| Cost of funding earning assets | 0.5668% | 2,959 |
| Net interest margin | 4.0507% | 1,803 |
| Noninterest income to average assets | 0.6799% | 2,648 |
| Noninterest expense to average assets | 2.8703% | 3,460 |
| Loan and lease loss provision to assets | 0.3377% | 950 |
| Net operating income to assets | 1.2850% | 1,291 |
| Return on assets (ROA) | 1.2850% | 1,345 |
| Pretax return on assets | 1.2843% | 2,218 |
| Return on Equity (ROE) | 10.8445% | 1,817 |
| Retained earnings to average equity (ytd only) | 2.2193% | 4,668 |
| Net charge-offs to loans | 0.4821% | 1,381 |
| Credit loss provision to net charge-offs | 97.2043% | 2,561 |
| Earnings coverage of net charge-offs (x) | 4.6688% | 3,497 |
| Efficiency ratio | 63.8949% | 4,914 |
| Assets per employee ($millions) | 3.4026% | 5,081 |
| Cash dividends to net income (ytd only)* | 79.5349% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 4,987 |
| Loan loss allowance to noncurrent loans | 81.5132% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.3365% | 2,750 |
| Noncurrent loans to loans | 1.3887% | 2,814 |
| Net loans and leases to total assets | 73.2849% | 1,474 |
| Net loans and leases to deposits | 83.2586% | 2,028 |
| Net loans and leases to core deposits | 95.2010% | 1,515 |
| Total domestic deposits to total assets | 88.0208% | 2,169 |
| Equity capital to assets | 11.7205% | 2,014 |
| Core capital (leverage) ratio | 11.7415% | 1,798 |
| Tier 1 risk-based capital ratio | 17.3510% | 2,473 |
| Total risk-based capital ratio | 18.5781% | 2,456 |
| Memoranda: | ||
| Average total assets | $133,851,600 | 3,998 |
| Average earning assets | $125,977,000 | 3,927 |
| Average equity | $15,860,600 | 3,726 |
| Average total loans | $96,444,800 | 3,545 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6311% | 1,797 |
| Cost of funding earning assets | 0.5762% | 3,034 |
| Net interest margin | 4.0549% | 1,771 |
| Noninterest income to average assets | 0.6622% | 2,813 |
| Noninterest expense to average assets | 2.8719% | 3,400 |
| Loan and lease loss provision to assets | 0.1501% | 2,391 |
| Net operating income to assets | 1.4564% | 971 |
| Return on assets (ROA) | 1.4564% | 1,022 |
| Pretax return on assets | 1.4554% | 1,746 |
| Return on Equity (ROE) | 12.2573% | 1,404 |
| Retained earnings to average equity (ytd only) | 0.7408% | 5,680 |
| Net charge-offs to loans | 0.2853% | 2,114 |
| Credit loss provision to net charge-offs | 73.5294% | 2,988 |
| Earnings coverage of net charge-offs (x) | 7.8678% | 2,714 |
| Efficiency ratio | 64.1421% | 4,779 |
| Assets per employee ($millions) | 3.3721% | 5,125 |
| Cash dividends to net income (ytd only)* | 93.9560% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 5,143 |
| Loan loss allowance to noncurrent loans | 117.8801% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.0090% | 3,635 |
| Noncurrent loans to loans | 0.9706% | 3,870 |
| Net loans and leases to total assets | 70.5256% | 1,865 |
| Net loans and leases to deposits | 80.1393% | 2,386 |
| Net loans and leases to core deposits | 91.2297% | 1,850 |
| Total domestic deposits to total assets | 88.0037% | 2,128 |
| Equity capital to assets | 11.6531% | 2,170 |
| Core capital (leverage) ratio | 11.7552% | 1,848 |
| Tier 1 risk-based capital ratio | 17.9801% | 2,332 |
| Total risk-based capital ratio | 19.2265% | 2,298 |
| Memoranda: | ||
| Average total assets | $133,288,750 | 4,051 |
| Average earning assets | $125,410,250 | 3,976 |
| Average equity | $15,837,750 | 3,768 |
| Average total loans | $95,334,750 | 3,590 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5914% | 1,879 |
| Cost of funding earning assets | 0.5913% | 3,023 |
| Net interest margin | 4.0000% | 1,853 |
| Noninterest income to average assets | 0.6478% | 2,925 |
| Noninterest expense to average assets | 2.8654% | 3,454 |
| Loan and lease loss provision to assets | 0.1778% | 2,133 |
| Net operating income to assets | 1.3664% | 1,153 |
| Return on assets (ROA) | 1.3664% | 1,234 |
| Pretax return on assets | 1.3649% | 2,064 |
| Return on Equity (ROE) | 11.4249% | 1,669 |
| Retained earnings to average equity (ytd only) | -0.7432% | 6,002 |
| Net charge-offs to loans | 0.0758% | 3,631 |
| Credit loss provision to net charge-offs | 327.7778% | 794 |
| Earnings coverage of net charge-offs (x) | 28.4444% | 1,185 |
| Efficiency ratio | 65.0034% | 4,709 |
| Assets per employee ($millions) | 3.3989% | 5,060 |
| Cash dividends to net income (ytd only)* | 106.5050% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 4,474 |
| Loan loss allowance to noncurrent loans | 58.2118% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 1.9327% | 2,246 |
| Noncurrent loans to loans | 2.2456% | 2,122 |
| Net loans and leases to total assets | 70.4529% | 1,812 |
| Net loans and leases to deposits | 80.1763% | 2,294 |
| Net loans and leases to core deposits | 90.9233% | 1,818 |
| Total domestic deposits to total assets | 87.8725% | 2,338 |
| Equity capital to assets | 11.7277% | 2,103 |
| Core capital (leverage) ratio | 11.7216% | 1,783 |
| Tier 1 risk-based capital ratio | 17.9901% | 2,318 |
| Total risk-based capital ratio | 19.2420% | 2,285 |
| Memoranda: | ||
| Average total assets | $132,757,330 | 4,082 |
| Average earning assets | $124,799,670 | 4,019 |
| Average equity | $15,877,670 | 3,787 |
| Average total loans | $95,037,000 | 3,609 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6127% | 1,792 |
| Cost of funding earning assets | 0.6082% | 3,029 |
| Net interest margin | 4.0045% | 1,761 |
| Noninterest income to average assets | 0.5811% | 3,247 |
| Noninterest expense to average assets | 2.8753% | 3,440 |
| Loan and lease loss provision to assets | 0.2589% | 1,377 |
| Net operating income to assets | 1.2163% | 1,488 |
| Return on assets (ROA) | 1.2163% | 1,594 |
| Pretax return on assets | 1.2133% | 2,527 |
| Return on Equity (ROE) | 10.0726% | 2,035 |
| Retained earnings to average equity (ytd only) | 4.3631% | 3,618 |
| Net charge-offs to loans | 0.1428% | 2,547 |
| Credit loss provision to net charge-offs | 252.9412% | 917 |
| Earnings coverage of net charge-offs (x) | 14.3824% | 1,455 |
| Efficiency ratio | 66.1357% | 4,643 |
| Assets per employee ($millions) | 3.5403% | 4,895 |
| Cash dividends to net income (ytd only)* | 56.6832% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 4,831 |
| Loan loss allowance to noncurrent loans | 93.4884% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.2904% | 3,389 |
| Noncurrent loans to loans | 1.3622% | 3,523 |
| Net loans and leases to total assets | 69.4970% | 1,756 |
| Net loans and leases to deposits | 79.2223% | 2,184 |
| Net loans and leases to core deposits | 90.2453% | 1,678 |
| Total domestic deposits to total assets | 87.7240% | 2,504 |
| Equity capital to assets | 11.9987% | 2,044 |
| Core capital (leverage) ratio | 11.9491% | 1,600 |
| Tier 1 risk-based capital ratio | 18.2943% | 2,260 |
| Total risk-based capital ratio | 19.5454% | 2,225 |
| Memoranda: | ||
| Average total assets | $132,857,000 | 4,123 |
| Average earning assets | $124,960,500 | 4,045 |
| Average equity | $16,043,500 | 3,815 |
| Average total loans | $95,241,500 | 3,629 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7745% | 2,299 |
| Cost of funding earning assets | 0.7820% | 2,808 |
| Net interest margin | 3.9925% | 2,418 |
| Noninterest income to average assets | 0.6819% | 2,827 |
| Noninterest expense to average assets | 2.7963% | 4,032 |
| Loan and lease loss provision to assets | 0.4622% | 1,356 |
| Net operating income to assets | 1.1427% | 1,797 |
| Return on assets (ROA) | 1.1714% | 1,860 |
| Pretax return on assets | 1.1714% | 2,904 |
| Return on Equity (ROE) | 10.3760% | 2,011 |
| Retained earnings to average equity (ytd only) | 2.7275% | 4,318 |
| Net charge-offs to loans | 1.1982% | 840 |
| Credit loss provision to net charge-offs | 56.1465% | 4,546 |
| Earnings coverage of net charge-offs (x) | 1.9494% | 4,446 |
| Efficiency ratio | 63.5356% | 4,975 |
| Assets per employee ($millions) | 3.2796% | 5,454 |
| Cash dividends to net income (ytd only)* | 73.7132% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 5,085 |
| Loan loss allowance to noncurrent loans | 85.4290% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.7167% | 2,821 |
| Noncurrent loans to loans | 1.4115% | 3,482 |
| Net loans and leases to total assets | 72.1336% | 1,464 |
| Net loans and leases to deposits | 82.5104% | 1,933 |
| Net loans and leases to core deposits | 95.1178% | 1,380 |
| Total domestic deposits to total assets | 87.4237% | 2,565 |
| Equity capital to assets | 12.1548% | 1,941 |
| Core capital (leverage) ratio | 11.7084% | 1,727 |
| Tier 1 risk-based capital ratio | 17.8741% | 2,304 |
| Total risk-based capital ratio | 19.1247% | 2,277 |
| Memoranda: | ||
| Average total assets | $139,325,000 | 3,962 |
| Average earning assets | $129,792,400 | 3,903 |
| Average equity | $15,728,600 | 3,822 |
| Average total loans | $95,726,200 | 3,627 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7513% | 2,571 |
| Cost of funding earning assets | 0.8143% | 2,827 |
| Net interest margin | 3.9370% | 2,771 |
| Noninterest income to average assets | 0.6885% | 2,767 |
| Noninterest expense to average assets | 2.7796% | 4,058 |
| Loan and lease loss provision to assets | 0.3688% | 1,761 |
| Net operating income to assets | 1.2063% | 1,713 |
| Return on assets (ROA) | 1.2441% | 1,764 |
| Pretax return on assets | 1.2441% | 2,809 |
| Return on Equity (ROE) | 11.2196% | 1,881 |
| Retained earnings to average equity (ytd only) | 0.9867% | 5,777 |
| Net charge-offs to loans | 0.6659% | 1,649 |
| Credit loss provision to net charge-offs | 81.7992% | 3,571 |
| Earnings coverage of net charge-offs (x) | 3.4937% | 3,622 |
| Efficiency ratio | 63.8293% | 4,832 |
| Assets per employee ($millions) | 3.4335% | 5,136 |
| Cash dividends to net income (ytd only)* | 91.2056% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6496% | 3,331 |
| Loan loss allowance to noncurrent loans | 139.3966% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 1.5043% | 3,333 |
| Noncurrent loans to loans | 1.1834% | 4,086 |
| Net loans and leases to total assets | 68.1977% | 2,265 |
| Net loans and leases to deposits | 77.4111% | 2,743 |
| Net loans and leases to core deposits | 88.4731% | 2,157 |
| Total domestic deposits to total assets | 88.0981% | 1,990 |
| Equity capital to assets | 11.4075% | 2,844 |
| Core capital (leverage) ratio | 11.1926% | 2,214 |
| Tier 1 risk-based capital ratio | 17.7684% | 2,438 |
| Total risk-based capital ratio | 19.0253% | 2,400 |
| Memoranda: | ||
| Average total assets | $141,360,500 | 3,967 |
| Average earning assets | $131,637,750 | 3,900 |
| Average equity | $15,674,500 | 3,867 |
| Average total loans | $95,712,250 | 3,661 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7734% | 2,616 |
| Cost of funding earning assets | 0.8509% | 2,786 |
| Net interest margin | 3.9225% | 2,821 |
| Noninterest income to average assets | 0.7120% | 2,598 |
| Noninterest expense to average assets | 2.7750% | 4,117 |
| Loan and lease loss provision to assets | 0.2313% | 2,762 |
| Net operating income to assets | 1.3623% | 1,276 |
| Return on assets (ROA) | 1.4184% | 1,289 |
| Pretax return on assets | 1.4184% | 2,139 |
| Return on Equity (ROE) | 12.9106% | 1,386 |
| Retained earnings to average equity (ytd only) | 1.3013% | 5,543 |
| Net charge-offs to loans | 0.2670% | 2,983 |
| Credit loss provision to net charge-offs | 128.9063% | 2,131 |
| Earnings coverage of net charge-offs (x) | 8.8828% | 2,232 |
| Efficiency ratio | 63.5226% | 4,979 |
| Assets per employee ($millions) | 3.6806% | 4,558 |
| Cash dividends to net income (ytd only)* | 89.9209% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7484% | 3,033 |
| Loan loss allowance to noncurrent loans | 116.8966% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 2.0406% | 2,735 |
| Noncurrent loans to loans | 1.4957% | 3,664 |
| Net loans and leases to total assets | 68.1021% | 2,276 |
| Net loans and leases to deposits | 77.0417% | 2,829 |
| Net loans and leases to core deposits | 88.7449% | 2,124 |
| Total domestic deposits to total assets | 88.3964% | 1,890 |
| Equity capital to assets | 11.1467% | 2,963 |
| Core capital (leverage) ratio | 10.9683% | 2,332 |
| Tier 1 risk-based capital ratio | 17.6122% | 2,430 |
| Total risk-based capital ratio | 18.8706% | 2,400 |
| Memoranda: | ||
| Average total assets | $142,701,000 | 3,957 |
| Average earning assets | $133,028,670 | 3,902 |
| Average equity | $15,677,000 | 3,854 |
| Average total loans | $95,872,000 | 3,671 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7393% | 2,893 |
| Cost of funding earning assets | 0.9134% | 2,583 |
| Net interest margin | 3.8260% | 3,260 |
| Noninterest income to average assets | 0.6855% | 2,728 |
| Noninterest expense to average assets | 2.7671% | 4,173 |
| Loan and lease loss provision to assets | 0.0749% | 4,459 |
| Net operating income to assets | 1.4127% | 1,202 |
| Return on assets (ROA) | 1.4127% | 1,347 |
| Pretax return on assets | 1.4127% | 2,153 |
| Return on Equity (ROE) | 12.9512% | 1,418 |
| Retained earnings to average equity (ytd only) | 9.7452% | 1,338 |
| Net charge-offs to loans | 0.0084% | 4,611 |
| Credit loss provision to net charge-offs | 1,350.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 129 |
| Efficiency ratio | 65.0359% | 4,730 |
| Assets per employee ($millions) | 3.7946% | 4,435 |
| Cash dividends to net income (ytd only)* | 24.7544% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7945% | 3,013 |
| Loan loss allowance to noncurrent loans | 117.3640% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.9779% | 2,930 |
| Noncurrent loans to loans | 1.5290% | 3,822 |
| Net loans and leases to total assets | 63.8732% | 2,873 |
| Net loans and leases to deposits | 72.1650% | 3,413 |
| Net loans and leases to core deposits | 83.4416% | 2,613 |
| Total domestic deposits to total assets | 88.5100% | 2,006 |
| Equity capital to assets | 11.0302% | 2,868 |
| Core capital (leverage) ratio | 10.9697% | 2,281 |
| Tier 1 risk-based capital ratio | 18.4036% | 2,173 |
| Total risk-based capital ratio | 19.6623% | 2,140 |
| Memoranda: | ||
| Average total assets | $144,120,500 | 3,970 |
| Average earning assets | $134,449,500 | 3,909 |
| Average equity | $15,720,500 | 3,857 |
| Average total loans | $95,336,000 | 3,702 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2185% | 1,993 |
| Cost of funding earning assets | 1.0803% | 2,802 |
| Net interest margin | 4.1382% | 2,274 |
| Noninterest income to average assets | 0.7924% | 2,105 |
| Noninterest expense to average assets | 2.7505% | 4,549 |
| Loan and lease loss provision to assets | 0.7429% | 1,364 |
| Net operating income to assets | 1.1786% | 1,574 |
| Return on assets (ROA) | 1.1786% | 1,690 |
| Pretax return on assets | 1.1786% | 2,536 |
| Return on Equity (ROE) | 10.8219% | 1,758 |
| Retained earnings to average equity (ytd only) | 4.9562% | 2,676 |
| Net charge-offs to loans | 0.5443% | 2,835 |
| Credit loss provision to net charge-offs | 193.8202% | 1,312 |
| Earnings coverage of net charge-offs (x) | 5.0131% | 2,919 |
| Efficiency ratio | 58.8723% | 5,924 |
| Assets per employee ($millions) | 3.6012% | 4,767 |
| Cash dividends to net income (ytd only)* | 54.2022% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 3,161 |
| Loan loss allowance to noncurrent loans | 456.7493% | 744 |
| Noncurrent assets plus other real estate owned to assets | 1.2468% | 4,144 |
| Noncurrent loans to loans | 0.3747% | 5,967 |
| Net loans and leases to total assets | 66.1101% | 2,761 |
| Net loans and leases to deposits | 74.4832% | 3,420 |
| Net loans and leases to core deposits | 86.1396% | 2,617 |
| Total domestic deposits to total assets | 88.7585% | 1,681 |
| Equity capital to assets | 10.7854% | 3,210 |
| Core capital (leverage) ratio | 10.6798% | 2,542 |
| Tier 1 risk-based capital ratio | 17.5711% | 2,359 |
| Total risk-based capital ratio | 18.8291% | 2,322 |
| Memoranda: | ||
| Average total assets | $139,319,400 | 3,988 |
| Average earning assets | $130,611,000 | 3,917 |
| Average equity | $15,173,000 | 3,872 |
| Average total loans | $98,106,000 | 3,668 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2609% | 1,987 |
| Cost of funding earning assets | 1.1075% | 2,928 |
| Net interest margin | 4.1534% | 2,265 |
| Noninterest income to average assets | 0.7953% | 2,075 |
| Noninterest expense to average assets | 2.7431% | 4,567 |
| Loan and lease loss provision to assets | 0.3513% | 2,764 |
| Net operating income to assets | 1.5993% | 776 |
| Return on assets (ROA) | 1.5993% | 846 |
| Pretax return on assets | 1.5993% | 1,388 |
| Return on Equity (ROE) | 14.6482% | 908 |
| Retained earnings to average equity (ytd only) | 6.7804% | 2,093 |
| Net charge-offs to loans | 0.3225% | 3,490 |
| Credit loss provision to net charge-offs | 152.9412% | 2,032 |
| Earnings coverage of net charge-offs (x) | 8.4915% | 2,166 |
| Efficiency ratio | 58.4413% | 5,946 |
| Assets per employee ($millions) | 3.7179% | 4,500 |
| Cash dividends to net income (ytd only)* | 53.7116% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 5,041 |
| Loan loss allowance to noncurrent loans | 95.4613% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 1.3102% | 4,186 |
| Noncurrent loans to loans | 1.3545% | 4,275 |
| Net loans and leases to total assets | 69.3245% | 2,212 |
| Net loans and leases to deposits | 78.4444% | 2,895 |
| Net loans and leases to core deposits | 90.6056% | 2,176 |
| Total domestic deposits to total assets | 88.3741% | 1,823 |
| Equity capital to assets | 11.0420% | 3,099 |
| Core capital (leverage) ratio | 10.9603% | 2,424 |
| Tier 1 risk-based capital ratio | 15.2493% | 3,519 |
| Total risk-based capital ratio | 16.4997% | 3,483 |
| Memoranda: | ||
| Average total assets | $138,137,750 | 4,034 |
| Average earning assets | $129,658,500 | 3,964 |
| Average equity | $15,082,250 | 3,899 |
| Average total loans | $98,410,750 | 3,686 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2816% | 1,945 |
| Cost of funding earning assets | 1.1303% | 3,033 |
| Net interest margin | 4.1512% | 2,225 |
| Noninterest income to average assets | 0.8024% | 2,004 |
| Noninterest expense to average assets | 2.7690% | 4,550 |
| Loan and lease loss provision to assets | 0.3647% | 2,608 |
| Net operating income to assets | 1.5639% | 783 |
| Return on assets (ROA) | 1.5639% | 835 |
| Pretax return on assets | 1.5639% | 1,345 |
| Return on Equity (ROE) | 14.3799% | 899 |
| Retained earnings to average equity (ytd only) | 5.9425% | 2,470 |
| Net charge-offs to loans | 0.4422% | 2,802 |
| Credit loss provision to net charge-offs | 115.2074% | 2,657 |
| Earnings coverage of net charge-offs (x) | 6.0922% | 2,472 |
| Efficiency ratio | 58.9441% | 6,038 |
| Assets per employee ($millions) | 3.6270% | 4,624 |
| Cash dividends to net income (ytd only)* | 58.6754% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 5,507 |
| Loan loss allowance to noncurrent loans | 76.0870% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.5207% | 3,917 |
| Noncurrent loans to loans | 1.5889% | 4,013 |
| Net loans and leases to total assets | 70.5529% | 2,104 |
| Net loans and leases to deposits | 79.7123% | 2,843 |
| Net loans and leases to core deposits | 91.6192% | 2,183 |
| Total domestic deposits to total assets | 88.5095% | 1,847 |
| Equity capital to assets | 11.0211% | 2,929 |
| Core capital (leverage) ratio | 10.8611% | 2,364 |
| Tier 1 risk-based capital ratio | 15.0574% | 3,464 |
| Total risk-based capital ratio | 16.2476% | 3,472 |
| Memoranda: | ||
| Average total assets | $137,090,670 | 4,082 |
| Average earning assets | $128,636,000 | 4,021 |
| Average equity | $14,909,670 | 3,922 |
| Average total loans | $98,139,670 | 3,741 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3023% | 1,860 |
| Cost of funding earning assets | 1.1282% | 3,306 |
| Net interest margin | 4.1741% | 1,985 |
| Noninterest income to average assets | 0.8045% | 2,017 |
| Noninterest expense to average assets | 2.8115% | 4,395 |
| Loan and lease loss provision to assets | 0.2926% | 2,817 |
| Net operating income to assets | 1.6296% | 651 |
| Return on assets (ROA) | 1.6296% | 688 |
| Pretax return on assets | 1.6296% | 1,130 |
| Return on Equity (ROE) | 15.0851% | 807 |
| Retained earnings to average equity (ytd only) | 9.8040% | 1,156 |
| Net charge-offs to loans | 0.1388% | 3,678 |
| Credit loss provision to net charge-offs | 294.1176% | 1,092 |
| Earnings coverage of net charge-offs (x) | 19.3235% | 1,146 |
| Efficiency ratio | 59.3943% | 6,066 |
| Assets per employee ($millions) | 3.5754% | 4,811 |
| Cash dividends to net income (ytd only)* | 35.0090% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 5,357 |
| Loan loss allowance to noncurrent loans | 89.3353% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 1.2486% | 4,446 |
| Noncurrent loans to loans | 1.4060% | 4,366 |
| Net loans and leases to total assets | 68.9491% | 2,338 |
| Net loans and leases to deposits | 77.6648% | 3,121 |
| Net loans and leases to core deposits | 89.2228% | 2,451 |
| Total domestic deposits to total assets | 88.7779% | 1,914 |
| Equity capital to assets | 10.7065% | 2,983 |
| Core capital (leverage) ratio | 11.0220% | 2,174 |
| Tier 1 risk-based capital ratio | 15.1734% | 3,334 |
| Total risk-based capital ratio | 16.4128% | 3,295 |
| Memoranda: | ||
| Average total assets | $136,722,500 | 4,126 |
| Average earning assets | $128,699,500 | 4,055 |
| Average equity | $14,769,500 | 3,946 |
| Average total loans | $97,994,000 | 3,775 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5870% | 1,949 |
| Cost of funding earning assets | 1.3762% | 3,416 |
| Net interest margin | 4.2108% | 2,144 |
| Noninterest income to average assets | 0.7427% | 2,576 |
| Noninterest expense to average assets | 2.8195% | 4,523 |
| Loan and lease loss provision to assets | 0.4381% | 3,493 |
| Net operating income to assets | 1.4313% | 888 |
| Return on assets (ROA) | 1.4313% | 952 |
| Pretax return on assets | 1.4313% | 1,559 |
| Return on Equity (ROE) | 13.5711% | 971 |
| Retained earnings to average equity (ytd only) | 6.7399% | 1,435 |
| Net charge-offs to loans | 0.4905% | 3,662 |
| Credit loss provision to net charge-offs | 124.1597% | 3,322 |
| Earnings coverage of net charge-offs (x) | 5.2983% | 2,665 |
| Efficiency ratio | 60.1328% | 6,025 |
| Assets per employee ($millions) | 3.4361% | 5,095 |
| Cash dividends to net income (ytd only)* | 50.3366% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 5,632 |
| Loan loss allowance to noncurrent loans | 172.4292% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.7791% | 5,456 |
| Noncurrent loans to loans | 0.6804% | 5,683 |
| Net loans and leases to total assets | 72.7326% | 1,937 |
| Net loans and leases to deposits | 82.0214% | 2,801 |
| Net loans and leases to core deposits | 94.5730% | 2,186 |
| Total domestic deposits to total assets | 88.6751% | 1,841 |
| Equity capital to assets | 10.9025% | 2,773 |
| Core capital (leverage) ratio | 10.7009% | 2,380 |
| Tier 1 risk-based capital ratio | 14.5355% | 3,520 |
| Total risk-based capital ratio | 15.6865% | 3,547 |
| Memoranda: | ||
| Average total assets | $134,915,600 | 4,158 |
| Average earning assets | $126,436,400 | 4,094 |
| Average equity | $14,228,800 | 4,096 |
| Average total loans | $97,051,800 | 3,873 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5880% | 2,107 |
| Cost of funding earning assets | 1.4168% | 3,477 |
| Net interest margin | 4.1712% | 2,328 |
| Noninterest income to average assets | 0.7291% | 2,648 |
| Noninterest expense to average assets | 2.7269% | 4,769 |
| Loan and lease loss provision to assets | 0.2772% | 4,362 |
| Net operating income to assets | 1.6289% | 703 |
| Return on assets (ROA) | 1.6289% | 769 |
| Pretax return on assets | 1.6289% | 1,272 |
| Return on Equity (ROE) | 15.5749% | 767 |
| Retained earnings to average equity (ytd only) | 6.4054% | 2,136 |
| Net charge-offs to loans | 0.5049% | 3,265 |
| Credit loss provision to net charge-offs | 76.7760% | 5,233 |
| Earnings coverage of net charge-offs (x) | 5.2787% | 2,787 |
| Efficiency ratio | 58.8586% | 6,129 |
| Assets per employee ($millions) | 3.3640% | 5,290 |
| Cash dividends to net income (ytd only)* | 58.8735% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 6,439 |
| Loan loss allowance to noncurrent loans | 110.6481% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.9490% | 5,198 |
| Noncurrent loans to loans | 0.8954% | 5,452 |
| Net loans and leases to total assets | 70.9993% | 2,490 |
| Net loans and leases to deposits | 80.0630% | 3,435 |
| Net loans and leases to core deposits | 92.5934% | 2,713 |
| Total domestic deposits to total assets | 88.6793% | 1,575 |
| Equity capital to assets | 10.7641% | 3,210 |
| Core capital (leverage) ratio | 10.6412% | 2,556 |
| Tier 1 risk-based capital ratio | 14.5553% | 3,482 |
| Total risk-based capital ratio | 15.5262% | 3,606 |
| Memoranda: | ||
| Average total assets | $135,143,000 | 4,206 |
| Average earning assets | $126,482,250 | 4,146 |
| Average equity | $14,133,500 | 4,178 |
| Average total loans | $96,659,000 | 3,952 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5683% | 2,260 |
| Cost of funding earning assets | 1.4552% | 3,531 |
| Net interest margin | 4.1131% | 2,499 |
| Noninterest income to average assets | 0.7108% | 2,643 |
| Noninterest expense to average assets | 2.6822% | 4,984 |
| Loan and lease loss provision to assets | 0.2217% | 4,681 |
| Net operating income to assets | 1.6581% | 640 |
| Return on assets (ROA) | 1.6581% | 688 |
| Pretax return on assets | 1.6581% | 1,150 |
| Return on Equity (ROE) | 16.0095% | 698 |
| Retained earnings to average equity (ytd only) | 5.5933% | 2,560 |
| Net charge-offs to loans | 0.6183% | 2,678 |
| Credit loss provision to net charge-offs | 50.1672% | 5,409 |
| Earnings coverage of net charge-offs (x) | 4.2542% | 3,009 |
| Efficiency ratio | 58.7949% | 6,259 |
| Assets per employee ($millions) | 3.5517% | 4,793 |
| Cash dividends to net income (ytd only)* | 65.0624% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8922% | 6,785 |
| Loan loss allowance to noncurrent loans | 54.8585% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 1.2151% | 4,710 |
| Noncurrent loans to loans | 1.6263% | 4,270 |
| Net loans and leases to total assets | 73.4177% | 2,056 |
| Net loans and leases to deposits | 82.5157% | 3,180 |
| Net loans and leases to core deposits | 94.3292% | 2,665 |
| Total domestic deposits to total assets | 88.9743% | 1,457 |
| Equity capital to assets | 10.5375% | 3,365 |
| Core capital (leverage) ratio | 10.3697% | 2,746 |
| Tier 1 risk-based capital ratio | 13.6759% | 3,958 |
| Total risk-based capital ratio | 14.5444% | 4,171 |
| Memoranda: | ||
| Average total assets | $135,337,670 | 4,230 |
| Average earning assets | $126,717,670 | 4,163 |
| Average equity | $14,016,670 | 4,193 |
| Average total loans | $96,714,670 | 3,990 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3774% | 3,155 |
| Cost of funding earning assets | 1.4860% | 3,646 |
| Net interest margin | 3.8914% | 3,369 |
| Noninterest income to average assets | 0.6759% | 2,771 |
| Noninterest expense to average assets | 2.7036% | 4,891 |
| Loan and lease loss provision to assets | 0.0708% | 5,928 |
| Net operating income to assets | 1.5495% | 820 |
| Return on assets (ROA) | 1.5495% | 880 |
| Pretax return on assets | 1.5495% | 1,396 |
| Return on Equity (ROE) | 15.0927% | 857 |
| Retained earnings to average equity (ytd only) | 9.2856% | 1,322 |
| Net charge-offs to loans | 0.0126% | 5,407 |
| Credit loss provision to net charge-offs | 800.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 183.0000% | 189 |
| Efficiency ratio | 62.5256% | 5,731 |
| Assets per employee ($millions) | 3.5219% | 4,983 |
| Cash dividends to net income (ytd only)* | 38.4762% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 6,021 |
| Loan loss allowance to noncurrent loans | 65.6578% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.1889% | 4,797 |
| Noncurrent loans to loans | 1.6696% | 4,242 |
| Net loans and leases to total assets | 69.8235% | 2,981 |
| Net loans and leases to deposits | 78.1821% | 4,010 |
| Net loans and leases to core deposits | 89.1055% | 3,485 |
| Total domestic deposits to total assets | 89.3087% | 1,360 |
| Equity capital to assets | 10.2333% | 3,553 |
| Core capital (leverage) ratio | 10.3279% | 2,781 |
| Tier 1 risk-based capital ratio | 13.8640% | 3,753 |
| Total risk-based capital ratio | 14.9184% | 3,839 |
| Memoranda: | ||
| Average total assets | $135,523,500 | 4,291 |
| Average earning assets | $127,050,500 | 4,215 |
| Average equity | $13,914,000 | 4,262 |
| Average total loans | $95,081,500 | 4,100 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0706% | 1,600 |
| Cost of funding earning assets | 1.8561% | 3,703 |
| Net interest margin | 4.2145% | 2,018 |
| Noninterest income to average assets | 0.6519% | 3,278 |
| Noninterest expense to average assets | 3.0669% | 3,885 |
| Loan and lease loss provision to assets | 0.2336% | 5,506 |
| Net operating income to assets | 1.2911% | 1,049 |
| Return on assets (ROA) | 1.2911% | 1,099 |
| Pretax return on assets | 1.2911% | 1,717 |
| Return on Equity (ROE) | 13.0741% | 944 |
| Retained earnings to average equity (ytd only) | 6.3670% | 1,201 |
| Net charge-offs to loans | 0.3320% | 4,572 |
| Credit loss provision to net charge-offs | 96.3696% | 5,760 |
| Earnings coverage of net charge-offs (x) | 6.2904% | 2,397 |
| Efficiency ratio | 66.7944% | 5,225 |
| Assets per employee ($millions) | 3.3423% | 5,397 |
| Cash dividends to net income (ytd only)* | 51.3011% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 5,826 |
| Loan loss allowance to noncurrent loans | 96.9274% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.8183% | 5,468 |
| Noncurrent loans to loans | 1.1524% | 5,027 |
| Net loans and leases to total assets | 68.9293% | 3,503 |
| Net loans and leases to deposits | 77.2338% | 4,521 |
| Net loans and leases to core deposits | 119.7165% | 1,969 |
| Total domestic deposits to total assets | 89.2477% | 1,361 |
| Equity capital to assets | 10.3013% | 3,404 |
| Core capital (leverage) ratio | 10.3596% | 2,724 |
| Tier 1 risk-based capital ratio | 14.3427% | 3,293 |
| Total risk-based capital ratio | 15.4362% | 3,347 |
| Memoranda: | ||
| Average total assets | $125,012,800 | 4,444 |
| Average earning assets | $116,858,800 | 4,378 |
| Average equity | $12,345,000 | 4,664 |
| Average total loans | $91,253,800 | 4,180 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2084% | 1,355 |
| Cost of funding earning assets | 1.9235% | 3,758 |
| Net interest margin | 4.2849% | 1,768 |
| Noninterest income to average assets | 0.6295% | 3,502 |
| Noninterest expense to average assets | 3.1508% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4826% | 847 |
| Return on assets (ROA) | 1.4826% | 905 |
| Pretax return on assets | 1.4826% | 1,467 |
| Return on Equity (ROE) | 15.1923% | 748 |
| Retained earnings to average equity (ytd only) | 5.9835% | 1,957 |
| Net charge-offs to loans | 0.0191% | 6,643 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 105.0946% | 349 |
| Efficiency ratio | 68.0019% | 4,975 |
| Assets per employee ($millions) | 3.0550% | 6,029 |
| Cash dividends to net income (ytd only)* | 60.6147% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 5,558 |
| Loan loss allowance to noncurrent loans | 340.6557% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 6,864 |
| Noncurrent loans to loans | 0.3306% | 6,699 |
| Net loans and leases to total assets | 72.8194% | 2,842 |
| Net loans and leases to deposits | 81.3816% | 4,134 |
| Net loans and leases to core deposits | 125.9337% | 1,742 |
| Total domestic deposits to total assets | 89.4791% | 979 |
| Equity capital to assets | 9.8383% | 4,302 |
| Core capital (leverage) ratio | 9.6962% | 3,648 |
| Tier 1 risk-based capital ratio | 12.7816% | 4,331 |
| Total risk-based capital ratio | 13.8741% | 4,408 |
| Memoranda: | ||
| Average total assets | $122,843,000 | 4,525 |
| Average earning assets | $114,788,000 | 4,457 |
| Average equity | $11,988,250 | 4,793 |
| Average total loans | $90,768,750 | 4,226 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2618% | 1,308 |
| Cost of funding earning assets | 1.9866% | 3,838 |
| Net interest margin | 4.2753% | 1,726 |
| Noninterest income to average assets | 0.5998% | 3,698 |
| Noninterest expense to average assets | 3.1793% | 3,393 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4094% | 1,010 |
| Return on assets (ROA) | 1.4094% | 1,075 |
| Pretax return on assets | 1.4094% | 1,697 |
| Return on Equity (ROE) | 14.4822% | 909 |
| Retained earnings to average equity (ytd only) | 3.4185% | 3,420 |
| Net charge-offs to loans | 0.0244% | 6,147 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 78.1818% | 491 |
| Efficiency ratio | 69.2857% | 4,924 |
| Assets per employee ($millions) | 3.0925% | 5,892 |
| Cash dividends to net income (ytd only)* | 76.3953% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 5,323 |
| Loan loss allowance to noncurrent loans | 274.6702% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 6,661 |
| Noncurrent loans to loans | 0.4156% | 6,470 |
| Net loans and leases to total assets | 72.8795% | 2,982 |
| Net loans and leases to deposits | 81.2891% | 4,338 |
| Net loans and leases to core deposits | 124.0209% | 2,024 |
| Total domestic deposits to total assets | 89.6548% | 980 |
| Equity capital to assets | 9.6532% | 4,422 |
| Core capital (leverage) ratio | 9.6199% | 3,738 |
| Tier 1 risk-based capital ratio | 12.2933% | 4,679 |
| Total risk-based capital ratio | 13.3760% | 4,730 |
| Memoranda: | ||
| Average total assets | $122,039,000 | 4,581 |
| Average earning assets | $113,864,670 | 4,518 |
| Average equity | $11,876,670 | 4,849 |
| Average total loans | $90,275,330 | 4,269 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3034% | 1,288 |
| Cost of funding earning assets | 2.0941% | 3,686 |
| Net interest margin | 4.2094% | 1,862 |
| Noninterest income to average assets | 0.6105% | 3,474 |
| Noninterest expense to average assets | 3.0724% | 3,479 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4586% | 1,020 |
| Return on assets (ROA) | 1.4586% | 1,096 |
| Pretax return on assets | 1.4586% | 1,787 |
| Return on Equity (ROE) | 14.9268% | 991 |
| Retained earnings to average equity (ytd only) | 5.2345% | 3,002 |
| Net charge-offs to loans | 0.0401% | 4,931 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 49.1111% | 735 |
| Efficiency ratio | 67.8077% | 5,000 |
| Assets per employee ($millions) | 3.0903% | 5,916 |
| Cash dividends to net income (ytd only)* | 64.9321% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 5,057 |
| Loan loss allowance to noncurrent loans | 294.6328% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 6,614 |
| Noncurrent loans to loans | 0.3936% | 6,437 |
| Net loans and leases to total assets | 71.9181% | 3,253 |
| Net loans and leases to deposits | 80.0710% | 4,597 |
| Net loans and leases to core deposits | 121.0023% | 2,335 |
| Total domestic deposits to total assets | 89.8180% | 878 |
| Equity capital to assets | 9.6149% | 4,501 |
| Core capital (leverage) ratio | 9.5979% | 3,869 |
| Tier 1 risk-based capital ratio | 12.3546% | 4,657 |
| Total risk-based capital ratio | 13.4493% | 4,694 |
| Memoranda: | ||
| Average total assets | $121,208,500 | 4,612 |
| Average earning assets | $112,891,000 | 4,560 |
| Average equity | $11,844,500 | 4,886 |
| Average total loans | $89,816,500 | 4,318 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3792% | 515 |
| Cost of funding earning assets | 2.5429% | 3,989 |
| Net interest margin | 4.8364% | 724 |
| Noninterest income to average assets | 0.6642% | 3,379 |
| Noninterest expense to average assets | 3.2440% | 3,170 |
| Loan and lease loss provision to assets | 0.4482% | 3,049 |
| Net operating income to assets | 1.4405% | 1,141 |
| Return on assets (ROA) | 1.4405% | 1,098 |
| Pretax return on assets | 1.4405% | 1,849 |
| Return on Equity (ROE) | 14.0127% | 1,101 |
| Retained earnings to average equity (ytd only) | 4.6128% | 2,255 |
| Net charge-offs to loans | 0.0142% | 6,698 |
| Credit loss provision to net charge-offs | 4,166.6667% | 125 |
| Earnings coverage of net charge-offs (x) | 175.5833% | 264 |
| Efficiency ratio | 63.2029% | 5,737 |
| Assets per employee ($millions) | 2.8977% | 6,317 |
| Cash dividends to net income (ytd only)* | 67.0815% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 4,756 |
| Loan loss allowance to noncurrent loans | 293.0362% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3190% | 6,329 |
| Noncurrent loans to loans | 0.4003% | 6,151 |
| Net loans and leases to total assets | 74.6084% | 2,966 |
| Net loans and leases to deposits | 83.3945% | 4,515 |
| Net loans and leases to core deposits | 128.0610% | 1,997 |
| Total domestic deposits to total assets | 89.4644% | 862 |
| Equity capital to assets | 9.9354% | 4,118 |
| Core capital (leverage) ratio | 9.8246% | 3,616 |
| Tier 1 risk-based capital ratio | 12.4213% | 4,494 |
| Total risk-based capital ratio | 13.5461% | 4,472 |
| Memoranda: | ||
| Average total assets | $111,558,200 | 4,733 |
| Average earning assets | $103,073,200 | 4,711 |
| Average equity | $11,468,200 | 4,981 |
| Average total loans | $84,630,400 | 4,378 |