Home > The Simsbury Bank & Trust Company > Performance and Condition Ratios
The Simsbury Bank & Trust Company, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0265% | 4,308 |
| Cost of funding earning assets | 0.4663% | 4,281 |
| Net interest margin | 3.5602% | 3,370 |
| Noninterest income to average assets | 0.5387% | 2,519 |
| Noninterest expense to average assets | 2.7816% | 2,618 |
| Loan and lease loss provision to assets | 0.0760% | 2,374 |
| Net operating income to assets | 0.8372% | 3,555 |
| Return on assets (ROA) | 0.8573% | 3,569 |
| Pretax return on assets | 1.0093% | 3,568 |
| Return on Equity (ROE) | 10.0613% | 2,403 |
| Retained earnings to average equity (ytd only) | 4.2718% | 3,262 |
| Net charge-offs to loans | 0.2502% | 707 |
| Credit loss provision to net charge-offs | 39.7490% | 2,859 |
| Earnings coverage of net charge-offs (x) | 5.5523% | 2,912 |
| Efficiency ratio | 72.3772% | 1,781 |
| Assets per employee ($millions) | 7.8217% | 737 |
| Cash dividends to net income (ytd only)* | 57.5429% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 3,191 |
| Loan loss allowance to noncurrent loans | 107.5626% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.6911% | 1,967 |
| Noncurrent loans to loans | 0.9920% | 1,613 |
| Net loans and leases to total assets | 68.9281% | 2,636 |
| Net loans and leases to deposits | 77.1325% | 3,186 |
| Net loans and leases to core deposits | 80.3296% | 3,365 |
| Total domestic deposits to total assets | 89.3633% | 490 |
| Equity capital to assets | 8.1704% | 5,097 |
| Core capital (leverage) ratio | 8.2518% | 5,047 |
| Tier 1 risk-based capital ratio | 12.6155% | 4,074 |
| Total risk-based capital ratio | 13.7593% | 4,012 |
| Memoranda: | ||
| Average total assets | $499,983,750 | 1,432 |
| Average earning assets | $464,080,500 | 1,438 |
| Average equity | $42,604,250 | 1,837 |
| Average total loans | $382,095,750 | 1,326 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0576% | 4,259 |
| Cost of funding earning assets | 0.3985% | 4,516 |
| Net interest margin | 3.6591% | 3,073 |
| Noninterest income to average assets | 0.5460% | 2,410 |
| Noninterest expense to average assets | 2.8707% | 2,351 |
| Loan and lease loss provision to assets | 0.0143% | 3,491 |
| Net operating income to assets | 0.8926% | 3,315 |
| Return on assets (ROA) | 0.9228% | 3,259 |
| Pretax return on assets | 1.0888% | 3,269 |
| Return on Equity (ROE) | 10.6710% | 2,103 |
| Retained earnings to average equity (ytd only) | 4.7637% | 2,883 |
| Net charge-offs to loans | 0.3477% | 483 |
| Credit loss provision to net charge-offs | 5.2161% | 2,714 |
| Earnings coverage of net charge-offs (x) | 3.8927% | 2,788 |
| Efficiency ratio | 72.8933% | 1,791 |
| Assets per employee ($millions) | 7.6335% | 761 |
| Cash dividends to net income (ytd only)* | 55.3587% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 3,709 |
| Loan loss allowance to noncurrent loans | 89.3546% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.8731% | 1,607 |
| Noncurrent loans to loans | 1.1036% | 1,480 |
| Net loans and leases to total assets | 78.3379% | 1,157 |
| Net loans and leases to deposits | 88.5862% | 1,928 |
| Net loans and leases to core deposits | 92.3225% | 2,383 |
| Total domestic deposits to total assets | 88.4313% | 905 |
| Equity capital to assets | 8.9483% | 4,823 |
| Core capital (leverage) ratio | 9.1444% | 4,512 |
| Tier 1 risk-based capital ratio | 12.3614% | 4,214 |
| Total risk-based capital ratio | 13.4337% | 4,192 |
| Memoranda: | ||
| Average total assets | $489,354,000 | 1,460 |
| Average earning assets | $453,664,000 | 1,458 |
| Average equity | $42,320,330 | 1,851 |
| Average total loans | $385,939,670 | 1,316 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1078% | 4,105 |
| Cost of funding earning assets | 0.3914% | 4,521 |
| Net interest margin | 3.7164% | 2,831 |
| Noninterest income to average assets | 0.4944% | 2,587 |
| Noninterest expense to average assets | 2.6930% | 2,925 |
| Loan and lease loss provision to assets | 0.0081% | 3,332 |
| Net operating income to assets | 1.0584% | 2,628 |
| Return on assets (ROA) | 1.0584% | 2,671 |
| Pretax return on assets | 1.2480% | 2,639 |
| Return on Equity (ROE) | 12.4488% | 1,398 |
| Retained earnings to average equity (ytd only) | 8.6360% | 1,436 |
| Net charge-offs to loans | 0.6895% | 220 |
| Credit loss provision to net charge-offs | 1.4925% | 2,209 |
| Earnings coverage of net charge-offs (x) | 2.3134% | 2,507 |
| Efficiency ratio | 68.1921% | 2,615 |
| Assets per employee ($millions) | 7.5749% | 790 |
| Cash dividends to net income (ytd only)* | 30.6279% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 3,911 |
| Loan loss allowance to noncurrent loans | 91.6196% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.8017% | 1,766 |
| Noncurrent loans to loans | 1.0513% | 1,587 |
| Net loans and leases to total assets | 75.5284% | 1,554 |
| Net loans and leases to deposits | 84.9338% | 2,270 |
| Net loans and leases to core deposits | 87.9539% | 2,689 |
| Total domestic deposits to total assets | 88.9262% | 890 |
| Equity capital to assets | 8.4092% | 5,038 |
| Core capital (leverage) ratio | 8.8191% | 4,779 |
| Tier 1 risk-based capital ratio | 12.1514% | 4,380 |
| Total risk-based capital ratio | 13.2012% | 4,382 |
| Memoranda: | ||
| Average total assets | $493,577,000 | 1,456 |
| Average earning assets | $458,837,000 | 1,455 |
| Average equity | $41,964,000 | 1,857 |
| Average total loans | $388,667,000 | 1,318 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8565% | 4,377 |
| Cost of funding earning assets | 0.3477% | 4,294 |
| Net interest margin | 3.5088% | 3,679 |
| Noninterest income to average assets | 0.6442% | 2,067 |
| Noninterest expense to average assets | 2.6737% | 3,116 |
| Loan and lease loss provision to assets | 0.0556% | 3,055 |
| Net operating income to assets | 0.9698% | 3,139 |
| Return on assets (ROA) | 0.9698% | 3,137 |
| Pretax return on assets | 1.2052% | 2,860 |
| Return on Equity (ROE) | 12.3873% | 1,585 |
| Retained earnings to average equity (ytd only) | 8.0782% | 1,199 |
| Net charge-offs to loans | -0.0048% | 4,347 |
| Credit loss provision to net charge-offs | -1,473.6842% | 4,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9562% | 2,557 |
| Assets per employee ($millions) | 6.9513% | 997 |
| Cash dividends to net income (ytd only)* | 34.7862% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 2,959 |
| Loan loss allowance to noncurrent loans | 91.6058% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.9985% | 1,374 |
| Noncurrent loans to loans | 1.2270% | 1,293 |
| Net loans and leases to total assets | 80.4566% | 872 |
| Net loans and leases to deposits | 90.1234% | 1,783 |
| Net loans and leases to core deposits | 93.6903% | 2,251 |
| Total domestic deposits to total assets | 89.2738% | 749 |
| Equity capital to assets | 8.6002% | 4,869 |
| Core capital (leverage) ratio | 8.6096% | 4,952 |
| Tier 1 risk-based capital ratio | 11.9451% | 4,461 |
| Total risk-based capital ratio | 13.1855% | 4,356 |
| Memoranda: | ||
| Average total assets | $503,909,600 | 1,401 |
| Average earning assets | $472,527,200 | 1,378 |
| Average equity | $39,451,800 | 1,888 |
| Average total loans | $395,511,200 | 1,270 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7817% | 4,477 |
| Cost of funding earning assets | 0.3444% | 4,224 |
| Net interest margin | 3.4374% | 3,903 |
| Noninterest income to average assets | 0.6262% | 2,185 |
| Noninterest expense to average assets | 2.6327% | 3,193 |
| Loan and lease loss provision to assets | 0.0536% | 2,901 |
| Net operating income to assets | 0.9409% | 3,349 |
| Return on assets (ROA) | 0.9409% | 3,350 |
| Pretax return on assets | 1.1707% | 3,122 |
| Return on Equity (ROE) | 12.3033% | 1,677 |
| Retained earnings to average equity (ytd only) | 7.4319% | 1,911 |
| Net charge-offs to loans | -0.0074% | 4,318 |
| Credit loss provision to net charge-offs | -931.8182% | 4,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2573% | 2,494 |
| Assets per employee ($millions) | 7.7220% | 711 |
| Cash dividends to net income (ytd only)* | 39.5943% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 3,227 |
| Loan loss allowance to noncurrent loans | 192.8061% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.4200% | 3,013 |
| Noncurrent loans to loans | 0.5675% | 2,676 |
| Net loans and leases to total assets | 73.2043% | 2,130 |
| Net loans and leases to deposits | 80.6840% | 2,963 |
| Net loans and leases to core deposits | 86.3160% | 2,970 |
| Total domestic deposits to total assets | 90.7296% | 283 |
| Equity capital to assets | 7.4529% | 5,317 |
| Core capital (leverage) ratio | 7.7171% | 5,367 |
| Tier 1 risk-based capital ratio | 11.4725% | 4,801 |
| Total risk-based capital ratio | 12.6731% | 4,717 |
| Memoranda: | ||
| Average total assets | $509,977,250 | 1,386 |
| Average earning assets | $479,343,500 | 1,371 |
| Average equity | $39,002,250 | 1,907 |
| Average total loans | $396,817,000 | 1,266 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7653% | 4,438 |
| Cost of funding earning assets | 0.3050% | 4,381 |
| Net interest margin | 3.4603% | 3,765 |
| Noninterest income to average assets | 0.5749% | 2,451 |
| Noninterest expense to average assets | 2.6220% | 3,255 |
| Loan and lease loss provision to assets | 0.0219% | 3,474 |
| Net operating income to assets | 0.9471% | 3,248 |
| Return on assets (ROA) | 0.9471% | 3,256 |
| Pretax return on assets | 1.1740% | 3,030 |
| Return on Equity (ROE) | 12.2735% | 1,627 |
| Retained earnings to average equity (ytd only) | 6.9854% | 2,076 |
| Net charge-offs to loans | -0.0116% | 4,366 |
| Credit loss provision to net charge-offs | -239.1304% | 4,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6757% | 2,533 |
| Assets per employee ($millions) | 7.1887% | 862 |
| Cash dividends to net income (ytd only)* | 43.0853% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 3,595 |
| Loan loss allowance to noncurrent loans | 441.8876% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 4,023 |
| Noncurrent loans to loans | 0.2354% | 3,868 |
| Net loans and leases to total assets | 81.0861% | 843 |
| Net loans and leases to deposits | 90.1582% | 1,818 |
| Net loans and leases to core deposits | 93.1750% | 2,297 |
| Total domestic deposits to total assets | 89.9376% | 591 |
| Equity capital to assets | 7.9985% | 5,224 |
| Core capital (leverage) ratio | 8.1869% | 5,270 |
| Tier 1 risk-based capital ratio | 11.0391% | 5,034 |
| Total risk-based capital ratio | 12.1773% | 4,982 |
| Memoranda: | ||
| Average total assets | $502,364,330 | 1,407 |
| Average earning assets | $470,827,000 | 1,393 |
| Average equity | $38,766,330 | 1,912 |
| Average total loans | $397,636,330 | 1,264 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6823% | 4,509 |
| Cost of funding earning assets | 0.3240% | 4,179 |
| Net interest margin | 3.3583% | 4,025 |
| Noninterest income to average assets | 0.5523% | 2,513 |
| Noninterest expense to average assets | 2.5471% | 3,503 |
| Loan and lease loss provision to assets | 0.0196% | 3,281 |
| Net operating income to assets | 0.9176% | 3,217 |
| Return on assets (ROA) | 0.9176% | 3,229 |
| Pretax return on assets | 1.1290% | 3,055 |
| Return on Equity (ROE) | 12.1036% | 1,547 |
| Retained earnings to average equity (ytd only) | 7.4404% | 2,081 |
| Net charge-offs to loans | 0.0131% | 2,291 |
| Credit loss provision to net charge-offs | 192.3077% | 1,067 |
| Earnings coverage of net charge-offs (x) | 112.4615% | 559 |
| Efficiency ratio | 68.9201% | 2,681 |
| Assets per employee ($millions) | 7.4519% | 789 |
| Cash dividends to net income (ytd only)* | 38.5274% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 3,729 |
| Loan loss allowance to noncurrent loans | 299.6345% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3034% | 3,630 |
| Noncurrent loans to loans | 0.3471% | 3,522 |
| Net loans and leases to total assets | 75.8623% | 1,562 |
| Net loans and leases to deposits | 83.5901% | 2,440 |
| Net loans and leases to core deposits | 86.2258% | 2,787 |
| Total domestic deposits to total assets | 90.7552% | 397 |
| Equity capital to assets | 7.5040% | 5,417 |
| Core capital (leverage) ratio | 7.7646% | 5,457 |
| Tier 1 risk-based capital ratio | 11.1567% | 5,052 |
| Total risk-based capital ratio | 12.3064% | 5,008 |
| Memoranda: | ||
| Average total assets | $509,130,500 | 1,401 |
| Average earning assets | $476,545,500 | 1,395 |
| Average equity | $38,600,000 | 1,934 |
| Average total loans | $396,183,500 | 1,272 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5746% | 4,628 |
| Cost of funding earning assets | 0.3321% | 3,853 |
| Net interest margin | 3.2425% | 4,325 |
| Noninterest income to average assets | 0.5566% | 2,672 |
| Noninterest expense to average assets | 2.6435% | 3,303 |
| Loan and lease loss provision to assets | 0.1260% | 1,817 |
| Net operating income to assets | 0.5851% | 4,079 |
| Return on assets (ROA) | 0.5851% | 4,116 |
| Pretax return on assets | 0.8314% | 4,156 |
| Return on Equity (ROE) | 7.9475% | 2,818 |
| Retained earnings to average equity (ytd only) | 4.4978% | 2,453 |
| Net charge-offs to loans | 0.0760% | 2,364 |
| Credit loss provision to net charge-offs | 208.0645% | 1,315 |
| Earnings coverage of net charge-offs (x) | 15.8097% | 2,217 |
| Efficiency ratio | 73.4118% | 1,998 |
| Assets per employee ($millions) | 7.2012% | 885 |
| Cash dividends to net income (ytd only)* | 43.4057% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 3,763 |
| Loan loss allowance to noncurrent loans | 278.8540% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 3,555 |
| Noncurrent loans to loans | 0.3682% | 3,441 |
| Net loans and leases to total assets | 78.1841% | 1,266 |
| Net loans and leases to deposits | 86.1505% | 2,243 |
| Net loans and leases to core deposits | 89.3974% | 2,619 |
| Total domestic deposits to total assets | 90.7529% | 322 |
| Equity capital to assets | 7.6607% | 5,500 |
| Core capital (leverage) ratio | 7.7946% | 5,501 |
| Tier 1 risk-based capital ratio | 10.8876% | 5,207 |
| Total risk-based capital ratio | 12.0271% | 5,154 |
| Memoranda: | ||
| Average total assets | $511,899,800 | 1,367 |
| Average earning assets | $480,617,200 | 1,354 |
| Average equity | $37,684,800 | 1,945 |
| Average total loans | $407,818,000 | 1,214 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5412% | 4,713 |
| Cost of funding earning assets | 0.3368% | 3,800 |
| Net interest margin | 3.2044% | 4,439 |
| Noninterest income to average assets | 0.5423% | 2,764 |
| Noninterest expense to average assets | 2.6642% | 3,191 |
| Loan and lease loss provision to assets | 0.1479% | 1,418 |
| Net operating income to assets | 0.5589% | 4,545 |
| Return on assets (ROA) | 0.5589% | 4,580 |
| Pretax return on assets | 0.7416% | 4,508 |
| Return on Equity (ROE) | 7.6683% | 3,310 |
| Retained earnings to average equity (ytd only) | 3.7523% | 3,690 |
| Net charge-offs to loans | 0.0800% | 2,001 |
| Credit loss provision to net charge-offs | 231.7073% | 1,206 |
| Earnings coverage of net charge-offs (x) | 13.9350% | 2,326 |
| Efficiency ratio | 74.9708% | 1,750 |
| Assets per employee ($millions) | 6.9460% | 975 |
| Cash dividends to net income (ytd only)* | 51.0677% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 4,038 |
| Loan loss allowance to noncurrent loans | 255.1314% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 3,823 |
| Noncurrent loans to loans | 0.3930% | 3,547 |
| Net loans and leases to total assets | 78.3098% | 1,224 |
| Net loans and leases to deposits | 86.0587% | 2,283 |
| Net loans and leases to core deposits | 89.5188% | 2,653 |
| Total domestic deposits to total assets | 90.9958% | 186 |
| Equity capital to assets | 7.4217% | 5,624 |
| Core capital (leverage) ratio | 7.1848% | 5,655 |
| Tier 1 risk-based capital ratio | 10.5698% | 5,427 |
| Total risk-based capital ratio | 11.6936% | 5,408 |
| Memoranda: | ||
| Average total assets | $513,854,500 | 1,373 |
| Average earning assets | $482,911,000 | 1,358 |
| Average equity | $37,452,000 | 1,962 |
| Average total loans | $410,222,750 | 1,223 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4628% | 4,848 |
| Cost of funding earning assets | 0.3108% | 3,965 |
| Net interest margin | 3.1520% | 4,539 |
| Noninterest income to average assets | 0.4901% | 3,086 |
| Noninterest expense to average assets | 2.6232% | 3,357 |
| Loan and lease loss provision to assets | 0.1304% | 1,594 |
| Net operating income to assets | 0.5309% | 4,608 |
| Return on assets (ROA) | 0.5309% | 4,638 |
| Pretax return on assets | 0.6933% | 4,567 |
| Return on Equity (ROE) | 7.3294% | 3,378 |
| Retained earnings to average equity (ytd only) | 3.5680% | 3,583 |
| Net charge-offs to loans | 0.0797% | 1,823 |
| Credit loss provision to net charge-offs | 204.2683% | 1,255 |
| Earnings coverage of net charge-offs (x) | 12.9024% | 2,161 |
| Efficiency ratio | 76.1039% | 1,706 |
| Assets per employee ($millions) | 6.8254% | 1,002 |
| Cash dividends to net income (ytd only)* | 51.3196% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 4,447 |
| Loan loss allowance to noncurrent loans | 118.7651% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 2,678 |
| Noncurrent loans to loans | 0.7940% | 2,421 |
| Net loans and leases to total assets | 78.4280% | 1,173 |
| Net loans and leases to deposits | 98.5202% | 842 |
| Net loans and leases to core deposits | 102.6825% | 1,457 |
| Total domestic deposits to total assets | 79.6060% | 4,498 |
| Equity capital to assets | 7.1728% | 5,696 |
| Core capital (leverage) ratio | 7.4893% | 5,659 |
| Tier 1 risk-based capital ratio | 10.6615% | 5,398 |
| Total risk-based capital ratio | 11.7637% | 5,381 |
| Memoranda: | ||
| Average total assets | $513,804,000 | 1,379 |
| Average earning assets | $481,979,670 | 1,364 |
| Average equity | $37,220,000 | 1,971 |
| Average total loans | $411,432,330 | 1,220 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4428% | 4,848 |
| Cost of funding earning assets | 0.2818% | 4,237 |
| Net interest margin | 3.1610% | 4,467 |
| Noninterest income to average assets | 0.4371% | 3,399 |
| Noninterest expense to average assets | 2.5775% | 3,566 |
| Loan and lease loss provision to assets | 0.1969% | 843 |
| Net operating income to assets | 0.4993% | 4,601 |
| Return on assets (ROA) | 0.4993% | 4,626 |
| Pretax return on assets | 0.6308% | 4,656 |
| Return on Equity (ROE) | 6.8575% | 3,467 |
| Retained earnings to average equity (ytd only) | 4.1534% | 3,380 |
| Net charge-offs to loans | 0.1310% | 1,138 |
| Credit loss provision to net charge-offs | 186.5672% | 1,065 |
| Earnings coverage of net charge-offs (x) | 7.8433% | 2,105 |
| Efficiency ratio | 75.6938% | 1,955 |
| Assets per employee ($millions) | 6.4039% | 1,231 |
| Cash dividends to net income (ytd only)* | 39.4322% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 4,550 |
| Loan loss allowance to noncurrent loans | 109.2321% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8128% | 2,261 |
| Noncurrent loans to loans | 0.8701% | 2,295 |
| Net loans and leases to total assets | 79.7031% | 875 |
| Net loans and leases to deposits | 94.4208% | 1,072 |
| Net loans and leases to core deposits | 98.4256% | 1,628 |
| Total domestic deposits to total assets | 84.4127% | 3,329 |
| Equity capital to assets | 7.3599% | 5,709 |
| Core capital (leverage) ratio | 7.3835% | 5,725 |
| Tier 1 risk-based capital ratio | 10.8470% | 5,388 |
| Total risk-based capital ratio | 11.9608% | 5,373 |
| Memoranda: | ||
| Average total assets | $507,927,500 | 1,398 |
| Average earning assets | $476,934,000 | 1,387 |
| Average equity | $36,981,500 | 1,986 |
| Average total loans | $409,094,500 | 1,225 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4206% | 4,940 |
| Cost of funding earning assets | 0.2402% | 4,650 |
| Net interest margin | 3.1804% | 4,501 |
| Noninterest income to average assets | 0.6044% | 2,638 |
| Noninterest expense to average assets | 2.8841% | 2,725 |
| Loan and lease loss provision to assets | 0.1903% | 1,235 |
| Net operating income to assets | 0.4039% | 4,929 |
| Return on assets (ROA) | 0.4194% | 4,960 |
| Pretax return on assets | 0.5303% | 4,968 |
| Return on Equity (ROE) | 5.4419% | 4,218 |
| Retained earnings to average equity (ytd only) | 2.8673% | 3,856 |
| Net charge-offs to loans | 0.0499% | 3,049 |
| Credit loss provision to net charge-offs | 489.7849% | 674 |
| Earnings coverage of net charge-offs (x) | 18.0430% | 1,992 |
| Efficiency ratio | 80.4497% | 1,367 |
| Assets per employee ($millions) | 6.2189% | 1,319 |
| Cash dividends to net income (ytd only)* | 47.3108% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 4,737 |
| Loan loss allowance to noncurrent loans | 92.5752% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 0.7950% | 2,370 |
| Noncurrent loans to loans | 0.9861% | 2,121 |
| Net loans and leases to total assets | 79.8794% | 911 |
| Net loans and leases to deposits | 98.4222% | 787 |
| Net loans and leases to core deposits | 102.7000% | 1,390 |
| Total domestic deposits to total assets | 81.1599% | 4,297 |
| Equity capital to assets | 7.2025% | 5,775 |
| Core capital (leverage) ratio | 7.4605% | 5,762 |
| Tier 1 risk-based capital ratio | 10.6466% | 5,508 |
| Total risk-based capital ratio | 11.7181% | 5,526 |
| Memoranda: | ||
| Average total assets | $478,825,200 | 1,434 |
| Average earning assets | $448,747,600 | 1,420 |
| Average equity | $36,898,600 | 1,982 |
| Average total loans | $373,104,600 | 1,265 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3713% | 5,080 |
| Cost of funding earning assets | 0.2289% | 4,797 |
| Net interest margin | 3.1425% | 4,665 |
| Noninterest income to average assets | 0.5947% | 2,688 |
| Noninterest expense to average assets | 2.9587% | 2,435 |
| Loan and lease loss provision to assets | 0.1715% | 1,322 |
| Net operating income to assets | 0.3371% | 5,194 |
| Return on assets (ROA) | 0.3589% | 5,228 |
| Pretax return on assets | 0.4370% | 5,246 |
| Return on Equity (ROE) | 4.5765% | 4,683 |
| Retained earnings to average equity (ytd only) | 2.2305% | 4,581 |
| Net charge-offs to loans | 0.0011% | 3,911 |
| Credit loss provision to net charge-offs | 20,200.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 685.3150% | 135 |
| Efficiency ratio | 83.5638% | 1,022 |
| Assets per employee ($millions) | 6.2317% | 1,276 |
| Cash dividends to net income (ytd only)* | 51.2623% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 4,873 |
| Loan loss allowance to noncurrent loans | 118.6989% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 3,089 |
| Noncurrent loans to loans | 0.7581% | 2,778 |
| Net loans and leases to total assets | 79.2245% | 1,006 |
| Net loans and leases to deposits | 92.4021% | 1,443 |
| Net loans and leases to core deposits | 96.2563% | 1,966 |
| Total domestic deposits to total assets | 85.7389% | 2,488 |
| Equity capital to assets | 7.4169% | 5,852 |
| Core capital (leverage) ratio | 7.6348% | 5,802 |
| Tier 1 risk-based capital ratio | 10.7025% | 5,520 |
| Total risk-based capital ratio | 11.7570% | 5,534 |
| Memoranda: | ||
| Average total assets | $471,044,250 | 1,453 |
| Average earning assets | $441,596,250 | 1,446 |
| Average equity | $36,941,000 | 1,993 |
| Average total loans | $363,606,500 | 1,290 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3795% | 5,126 |
| Cost of funding earning assets | 0.2076% | 5,076 |
| Net interest margin | 3.1719% | 4,636 |
| Noninterest income to average assets | 0.4302% | 3,661 |
| Noninterest expense to average assets | 2.9495% | 2,519 |
| Loan and lease loss provision to assets | 0.1309% | 1,747 |
| Net operating income to assets | 0.2821% | 5,365 |
| Return on assets (ROA) | 0.3080% | 5,390 |
| Pretax return on assets | 0.3571% | 5,410 |
| Return on Equity (ROE) | 3.8504% | 4,969 |
| Retained earnings to average equity (ytd only) | 1.9470% | 4,586 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5586% | 829 |
| Assets per employee ($millions) | 5.7659% | 1,570 |
| Cash dividends to net income (ytd only)* | 49.4350% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 5,003 |
| Loan loss allowance to noncurrent loans | 77.3646% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 0.8884% | 2,378 |
| Noncurrent loans to loans | 1.1443% | 2,009 |
| Net loans and leases to total assets | 76.9492% | 1,346 |
| Net loans and leases to deposits | 98.6000% | 826 |
| Net loans and leases to core deposits | 102.8712% | 1,411 |
| Total domestic deposits to total assets | 78.0418% | 4,991 |
| Equity capital to assets | 7.7045% | 5,876 |
| Core capital (leverage) ratio | 7.8655% | 5,798 |
| Tier 1 risk-based capital ratio | 11.4945% | 5,161 |
| Total risk-based capital ratio | 12.5402% | 5,182 |
| Memoranda: | ||
| Average total assets | $459,804,330 | 1,493 |
| Average earning assets | $431,604,670 | 1,473 |
| Average equity | $36,775,330 | 2,006 |
| Average total loans | $350,299,330 | 1,334 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3644% | 5,194 |
| Cost of funding earning assets | 0.1833% | 5,348 |
| Net interest margin | 3.1810% | 4,639 |
| Noninterest income to average assets | 0.3200% | 4,439 |
| Noninterest expense to average assets | 2.9173% | 2,647 |
| Loan and lease loss provision to assets | 0.1171% | 1,798 |
| Net operating income to assets | 0.2456% | 5,443 |
| Return on assets (ROA) | 0.2833% | 5,426 |
| Pretax return on assets | 0.3218% | 5,469 |
| Return on Equity (ROE) | 3.4735% | 5,077 |
| Retained earnings to average equity (ytd only) | 3.4735% | 3,762 |
| Net charge-offs to loans | -0.0024% | 4,137 |
| Credit loss provision to net charge-offs | -6,550.0000% | 5,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0496% | 816 |
| Assets per employee ($millions) | 5.1178% | 2,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 5,023 |
| Loan loss allowance to noncurrent loans | 83.6908% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 0.8386% | 2,588 |
| Noncurrent loans to loans | 1.0886% | 2,217 |
| Net loans and leases to total assets | 76.3363% | 1,337 |
| Net loans and leases to deposits | 89.6780% | 1,614 |
| Net loans and leases to core deposits | 92.7977% | 2,110 |
| Total domestic deposits to total assets | 85.1227% | 3,080 |
| Equity capital to assets | 8.2079% | 5,739 |
| Core capital (leverage) ratio | 8.1788% | 5,664 |
| Tier 1 risk-based capital ratio | 12.3920% | 4,660 |
| Total risk-based capital ratio | 13.4633% | 4,678 |
| Memoranda: | ||
| Average total assets | $447,537,000 | 1,534 |
| Average earning assets | $421,121,000 | 1,505 |
| Average equity | $36,505,000 | 2,012 |
| Average total loans | $337,437,000 | 1,376 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2378% | 5,459 |
| Cost of funding earning assets | 0.1703% | 5,533 |
| Net interest margin | 3.0675% | 4,983 |
| Noninterest income to average assets | 0.6684% | 2,354 |
| Noninterest expense to average assets | 3.0092% | 2,510 |
| Loan and lease loss provision to assets | 0.0661% | 2,962 |
| Net operating income to assets | 0.3760% | 5,119 |
| Return on assets (ROA) | 0.4029% | 5,124 |
| Pretax return on assets | 0.4946% | 5,126 |
| Return on Equity (ROE) | 5.4755% | 4,296 |
| Retained earnings to average equity (ytd only) | 3.7715% | 3,357 |
| Net charge-offs to loans | 0.0033% | 4,344 |
| Credit loss provision to net charge-offs | 2,770.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 220.9000% | 312 |
| Efficiency ratio | 85.0844% | 1,082 |
| Assets per employee ($millions) | 5.2941% | 2,016 |
| Cash dividends to net income (ytd only)* | 31.1203% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 4,999 |
| Loan loss allowance to noncurrent loans | 73.4951% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9265% | 2,350 |
| Noncurrent loans to loans | 1.2564% | 1,873 |
| Net loans and leases to total assets | 73.0574% | 1,881 |
| Net loans and leases to deposits | 87.0465% | 1,997 |
| Net loans and leases to core deposits | 90.0938% | 2,395 |
| Total domestic deposits to total assets | 83.9291% | 3,506 |
| Equity capital to assets | 8.1052% | 5,810 |
| Core capital (leverage) ratio | 8.5752% | 5,352 |
| Tier 1 risk-based capital ratio | 13.1121% | 4,234 |
| Total risk-based capital ratio | 14.2078% | 4,255 |
| Memoranda: | ||
| Average total assets | $418,751,000 | 1,581 |
| Average earning assets | $391,562,600 | 1,558 |
| Average equity | $30,810,000 | 2,261 |
| Average total loans | $307,152,000 | 1,441 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2670% | 5,471 |
| Cost of funding earning assets | 0.2088% | 5,303 |
| Net interest margin | 3.0582% | 5,056 |
| Noninterest income to average assets | 0.6701% | 2,386 |
| Noninterest expense to average assets | 3.0245% | 2,449 |
| Loan and lease loss provision to assets | 0.0469% | 3,267 |
| Net operating income to assets | 0.3712% | 5,258 |
| Return on assets (ROA) | 0.3975% | 5,265 |
| Pretax return on assets | 0.4871% | 5,251 |
| Return on Equity (ROE) | 5.5544% | 4,378 |
| Retained earnings to average equity (ytd only) | 3.1817% | 4,199 |
| Net charge-offs to loans | 0.0040% | 4,043 |
| Credit loss provision to net charge-offs | 1,611.1111% | 224 |
| Earnings coverage of net charge-offs (x) | 172.4400% | 414 |
| Efficiency ratio | 85.7667% | 1,016 |
| Assets per employee ($millions) | 5.0009% | 2,295 |
| Cash dividends to net income (ytd only)* | 42.7174% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 5,101 |
| Loan loss allowance to noncurrent loans | 72.1544% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 0.9673% | 2,431 |
| Noncurrent loans to loans | 1.2811% | 1,995 |
| Net loans and leases to total assets | 74.8067% | 1,584 |
| Net loans and leases to deposits | 82.8374% | 2,548 |
| Net loans and leases to core deposits | 85.5931% | 2,890 |
| Total domestic deposits to total assets | 90.3055% | 463 |
| Equity capital to assets | 7.2250% | 6,115 |
| Core capital (leverage) ratio | 6.9489% | 6,138 |
| Tier 1 risk-based capital ratio | 11.1683% | 5,564 |
| Total risk-based capital ratio | 12.2548% | 5,558 |
| Memoranda: | ||
| Average total assets | $412,262,750 | 1,611 |
| Average earning assets | $385,050,250 | 1,598 |
| Average equity | $29,501,500 | 2,366 |
| Average total loans | $301,960,750 | 1,470 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2485% | 5,541 |
| Cost of funding earning assets | 0.2095% | 5,358 |
| Net interest margin | 3.0390% | 5,123 |
| Noninterest income to average assets | 0.5956% | 2,770 |
| Noninterest expense to average assets | 2.9689% | 2,653 |
| Loan and lease loss provision to assets | 0.0389% | 3,338 |
| Net operating income to assets | 0.3535% | 5,284 |
| Return on assets (ROA) | 0.3817% | 5,311 |
| Pretax return on assets | 0.4561% | 5,340 |
| Return on Equity (ROE) | 5.3512% | 4,456 |
| Retained earnings to average equity (ytd only) | 2.9653% | 4,149 |
| Net charge-offs to loans | 0.0047% | 3,739 |
| Credit loss provision to net charge-offs | 1,142.8571% | 312 |
| Earnings coverage of net charge-offs (x) | 135.5714% | 468 |
| Efficiency ratio | 86.5485% | 1,018 |
| Assets per employee ($millions) | 5.1168% | 2,127 |
| Cash dividends to net income (ytd only)* | 44.5860% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 5,218 |
| Loan loss allowance to noncurrent loans | 117.3013% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.5758% | 3,685 |
| Noncurrent loans to loans | 0.7850% | 3,140 |
| Net loans and leases to total assets | 72.6728% | 1,869 |
| Net loans and leases to deposits | 91.3081% | 1,448 |
| Net loans and leases to core deposits | 94.5497% | 1,904 |
| Total domestic deposits to total assets | 79.5907% | 4,958 |
| Equity capital to assets | 6.9818% | 6,198 |
| Core capital (leverage) ratio | 7.2447% | 6,146 |
| Tier 1 risk-based capital ratio | 11.0847% | 5,667 |
| Total risk-based capital ratio | 12.1493% | 5,683 |
| Memoranda: | ||
| Average total assets | $411,326,670 | 1,626 |
| Average earning assets | $383,680,000 | 1,610 |
| Average equity | $29,339,000 | 2,390 |
| Average total loans | $298,148,330 | 1,488 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2724% | 5,509 |
| Cost of funding earning assets | 0.2051% | 5,462 |
| Net interest margin | 3.0673% | 5,036 |
| Noninterest income to average assets | 0.4568% | 3,593 |
| Noninterest expense to average assets | 2.8998% | 2,906 |
| Loan and lease loss provision to assets | 0.0491% | 2,949 |
| Net operating income to assets | 0.3167% | 5,351 |
| Return on assets (ROA) | 0.3527% | 5,361 |
| Pretax return on assets | 0.4145% | 5,396 |
| Return on Equity (ROE) | 4.8908% | 4,586 |
| Retained earnings to average equity (ytd only) | 2.5067% | 4,429 |
| Net charge-offs to loans | 0.0164% | 2,841 |
| Credit loss provision to net charge-offs | 416.6667% | 632 |
| Earnings coverage of net charge-offs (x) | 35.7500% | 1,042 |
| Efficiency ratio | 87.3114% | 1,073 |
| Assets per employee ($millions) | 5.1361% | 2,186 |
| Cash dividends to net income (ytd only)* | 48.7465% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 5,267 |
| Loan loss allowance to noncurrent loans | 83.2045% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 0.8291% | 3,019 |
| Noncurrent loans to loans | 1.1365% | 2,498 |
| Net loans and leases to total assets | 72.2583% | 1,766 |
| Net loans and leases to deposits | 81.2930% | 2,411 |
| Net loans and leases to core deposits | 84.0449% | 2,767 |
| Total domestic deposits to total assets | 88.8863% | 1,340 |
| Equity capital to assets | 7.3020% | 6,222 |
| Core capital (leverage) ratio | 7.1575% | 6,218 |
| Tier 1 risk-based capital ratio | 11.3462% | 5,632 |
| Total risk-based capital ratio | 12.4317% | 5,636 |
| Memoranda: | ||
| Average total assets | $407,201,000 | 1,647 |
| Average earning assets | $380,268,500 | 1,629 |
| Average equity | $29,361,500 | 2,404 |
| Average total loans | $293,346,000 | 1,510 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2156% | 5,817 |
| Cost of funding earning assets | 0.2277% | 5,540 |
| Net interest margin | 2.9878% | 5,473 |
| Noninterest income to average assets | 0.5311% | 3,291 |
| Noninterest expense to average assets | 3.0900% | 2,553 |
| Loan and lease loss provision to assets | 0.0134% | 4,353 |
| Net operating income to assets | 0.2013% | 5,760 |
| Return on assets (ROA) | 0.2354% | 5,750 |
| Pretax return on assets | 0.2544% | 5,782 |
| Return on Equity (ROE) | 3.4202% | 5,321 |
| Retained earnings to average equity (ytd only) | 1.0076% | 5,319 |
| Net charge-offs to loans | 0.0302% | 4,222 |
| Credit loss provision to net charge-offs | 63.9535% | 3,208 |
| Earnings coverage of net charge-offs (x) | 11.0116% | 2,557 |
| Efficiency ratio | 93.0378% | 645 |
| Assets per employee ($millions) | 5.3770% | 1,881 |
| Cash dividends to net income (ytd only)* | 70.5394% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 5,293 |
| Loan loss allowance to noncurrent loans | 111.1514% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.6335% | 3,677 |
| Noncurrent loans to loans | 0.8545% | 3,178 |
| Net loans and leases to total assets | 70.4619% | 2,161 |
| Net loans and leases to deposits | 80.8527% | 2,616 |
| Net loans and leases to core deposits | 83.7158% | 2,925 |
| Total domestic deposits to total assets | 87.1485% | 2,192 |
| Equity capital to assets | 7.1197% | 6,311 |
| Core capital (leverage) ratio | 7.1671% | 6,281 |
| Tier 1 risk-based capital ratio | 11.6879% | 5,552 |
| Total risk-based capital ratio | 12.8039% | 5,543 |
| Memoranda: | ||
| Average total assets | $409,546,400 | 1,614 |
| Average earning assets | $382,449,200 | 1,587 |
| Average equity | $28,185,400 | 2,394 |
| Average total loans | $284,672,000 | 1,494 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2129% | 5,887 |
| Cost of funding earning assets | 0.2296% | 5,593 |
| Net interest margin | 2.9833% | 5,530 |
| Noninterest income to average assets | 0.5206% | 3,407 |
| Noninterest expense to average assets | 3.1321% | 2,374 |
| Loan and lease loss provision to assets | 0.0179% | 4,050 |
| Net operating income to assets | 0.1562% | 5,936 |
| Return on assets (ROA) | 0.1897% | 5,915 |
| Pretax return on assets | 0.1903% | 5,964 |
| Return on Equity (ROE) | 2.7803% | 5,625 |
| Retained earnings to average equity (ytd only) | 0.3720% | 5,698 |
| Net charge-offs to loans | 0.0405% | 3,694 |
| Credit loss provision to net charge-offs | 63.9535% | 2,876 |
| Earnings coverage of net charge-offs (x) | 6.2444% | 3,116 |
| Efficiency ratio | 94.7161% | 558 |
| Assets per employee ($millions) | 5.1276% | 2,103 |
| Cash dividends to net income (ytd only)* | 86.6218% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 5,404 |
| Loan loss allowance to noncurrent loans | 119.9392% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5929% | 4,068 |
| Noncurrent loans to loans | 0.7968% | 3,592 |
| Net loans and leases to total assets | 69.7583% | 2,236 |
| Net loans and leases to deposits | 76.0650% | 3,176 |
| Net loans and leases to core deposits | 78.6058% | 3,482 |
| Total domestic deposits to total assets | 91.7088% | 196 |
| Equity capital to assets | 6.9358% | 6,395 |
| Core capital (leverage) ratio | 6.7818% | 6,405 |
| Tier 1 risk-based capital ratio | 11.6701% | 5,688 |
| Total risk-based capital ratio | 12.7923% | 5,696 |
| Memoranda: | ||
| Average total assets | $409,770,000 | 1,626 |
| Average earning assets | $382,699,000 | 1,602 |
| Average equity | $27,958,000 | 2,422 |
| Average total loans | $283,163,750 | 1,509 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2167% | 5,926 |
| Cost of funding earning assets | 0.2320% | 5,647 |
| Net interest margin | 2.9847% | 5,570 |
| Noninterest income to average assets | 0.4809% | 3,624 |
| Noninterest expense to average assets | 3.1912% | 2,222 |
| Loan and lease loss provision to assets | 0.0146% | 3,967 |
| Net operating income to assets | 0.0908% | 6,063 |
| Return on assets (ROA) | 0.1411% | 6,002 |
| Pretax return on assets | 0.1074% | 6,085 |
| Return on Equity (ROE) | 2.0796% | 5,821 |
| Retained earnings to average equity (ytd only) | -0.3310% | 5,736 |
| Net charge-offs to loans | 0.0612% | 3,105 |
| Credit loss provision to net charge-offs | 34.8837% | 2,988 |
| Earnings coverage of net charge-offs (x) | 1.7093% | 3,734 |
| Efficiency ratio | 97.8004% | 476 |
| Assets per employee ($millions) | 4.9692% | 2,252 |
| Cash dividends to net income (ytd only)* | 115.9170% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 5,467 |
| Loan loss allowance to noncurrent loans | 109.6593% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.7925% | 3,588 |
| Noncurrent loans to loans | 0.8878% | 3,484 |
| Net loans and leases to total assets | 69.1442% | 2,212 |
| Net loans and leases to deposits | 80.5601% | 2,442 |
| Net loans and leases to core deposits | 83.7499% | 2,765 |
| Total domestic deposits to total assets | 85.8293% | 3,134 |
| Equity capital to assets | 7.0789% | 6,434 |
| Core capital (leverage) ratio | 7.2384% | 6,385 |
| Tier 1 risk-based capital ratio | 11.9932% | 5,542 |
| Total risk-based capital ratio | 13.1409% | 5,522 |
| Memoranda: | ||
| Average total assets | $409,625,000 | 1,626 |
| Average earning assets | $381,819,000 | 1,605 |
| Average equity | $27,793,670 | 2,423 |
| Average total loans | $281,247,330 | 1,518 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2424% | 5,943 |
| Cost of funding earning assets | 0.2243% | 5,803 |
| Net interest margin | 3.0180% | 5,481 |
| Noninterest income to average assets | 0.4802% | 3,564 |
| Noninterest expense to average assets | 3.2005% | 2,234 |
| Loan and lease loss provision to assets | 0.0290% | 3,444 |
| Net operating income to assets | 0.1123% | 6,002 |
| Return on assets (ROA) | 0.1123% | 6,034 |
| Pretax return on assets | 0.0639% | 6,136 |
| Return on Equity (ROE) | 1.6907% | 5,874 |
| Retained earnings to average equity (ytd only) | -1.0057% | 5,726 |
| Net charge-offs to loans | 0.0611% | 2,548 |
| Credit loss provision to net charge-offs | 69.7674% | 2,005 |
| Earnings coverage of net charge-offs (x) | 2.2326% | 2,927 |
| Efficiency ratio | 97.1781% | 582 |
| Assets per employee ($millions) | 5.4677% | 1,738 |
| Cash dividends to net income (ytd only)* | 159.4828% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 5,569 |
| Loan loss allowance to noncurrent loans | 119.2192% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6144% | 4,289 |
| Noncurrent loans to loans | 0.8302% | 3,809 |
| Net loans and leases to total assets | 68.7069% | 2,110 |
| Net loans and leases to deposits | 74.7976% | 2,968 |
| Net loans and leases to core deposits | 77.5180% | 3,246 |
| Total domestic deposits to total assets | 91.8571% | 286 |
| Equity capital to assets | 6.8599% | 6,476 |
| Core capital (leverage) ratio | 7.0266% | 6,465 |
| Tier 1 risk-based capital ratio | 12.0263% | 5,629 |
| Total risk-based capital ratio | 13.1959% | 5,607 |
| Memoranda: | ||
| Average total assets | $413,183,500 | 1,628 |
| Average earning assets | $385,149,500 | 1,600 |
| Average equity | $27,444,000 | 2,441 |
| Average total loans | $281,347,500 | 1,524 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2456% | 6,083 |
| Cost of funding earning assets | 0.2469% | 5,984 |
| Net interest margin | 2.9987% | 5,583 |
| Noninterest income to average assets | 0.7254% | 2,404 |
| Noninterest expense to average assets | 3.0948% | 2,747 |
| Loan and lease loss provision to assets | 0.0870% | 3,365 |
| Net operating income to assets | 0.3028% | 5,511 |
| Return on assets (ROA) | 0.3265% | 5,537 |
| Pretax return on assets | 0.3810% | 5,536 |
| Return on Equity (ROE) | 4.5853% | 4,843 |
| Retained earnings to average equity (ytd only) | 2.3458% | 4,576 |
| Net charge-offs to loans | 0.0571% | 4,430 |
| Credit loss provision to net charge-offs | 234.6939% | 979 |
| Earnings coverage of net charge-offs (x) | 11.8776% | 2,191 |
| Efficiency ratio | 87.5393% | 1,262 |
| Assets per employee ($millions) | 5.4071% | 1,749 |
| Cash dividends to net income (ytd only)* | 48.8408% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 5,618 |
| Loan loss allowance to noncurrent loans | 97.8962% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 4,219 |
| Noncurrent loans to loans | 1.0116% | 3,492 |
| Net loans and leases to total assets | 66.1824% | 2,669 |
| Net loans and leases to deposits | 77.8481% | 2,740 |
| Net loans and leases to core deposits | 81.0150% | 3,005 |
| Total domestic deposits to total assets | 85.0148% | 3,744 |
| Equity capital to assets | 6.4331% | 6,577 |
| Core capital (leverage) ratio | 7.0937% | 6,507 |
| Tier 1 risk-based capital ratio | 11.9172% | 5,662 |
| Total risk-based capital ratio | 13.0789% | 5,653 |
| Memoranda: | ||
| Average total assets | $396,340,800 | 1,666 |
| Average earning assets | $371,391,800 | 1,630 |
| Average equity | $28,220,400 | 2,365 |
| Average total loans | $257,503,200 | 1,617 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2309% | 6,156 |
| Cost of funding earning assets | 0.2424% | 6,135 |
| Net interest margin | 2.9885% | 5,622 |
| Noninterest income to average assets | 0.7774% | 2,253 |
| Noninterest expense to average assets | 3.0558% | 2,801 |
| Loan and lease loss provision to assets | 0.0786% | 3,489 |
| Net operating income to assets | 0.3582% | 5,408 |
| Return on assets (ROA) | 0.3850% | 5,439 |
| Pretax return on assets | 0.4834% | 5,403 |
| Return on Equity (ROE) | 5.2691% | 4,584 |
| Retained earnings to average equity (ytd only) | 3.0791% | 4,479 |
| Net charge-offs to loans | 0.0318% | 4,496 |
| Credit loss provision to net charge-offs | 383.3333% | 692 |
| Earnings coverage of net charge-offs (x) | 25.7660% | 1,374 |
| Efficiency ratio | 85.2537% | 1,439 |
| Assets per employee ($millions) | 5.4265% | 1,701 |
| Cash dividends to net income (ytd only)* | 41.5626% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 5,731 |
| Loan loss allowance to noncurrent loans | 95.3103% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7413% | 4,252 |
| Noncurrent loans to loans | 1.0465% | 3,707 |
| Net loans and leases to total assets | 67.4075% | 2,393 |
| Net loans and leases to deposits | 75.4007% | 3,032 |
| Net loans and leases to core deposits | 78.7917% | 3,253 |
| Total domestic deposits to total assets | 89.3990% | 1,361 |
| Equity capital to assets | 6.8083% | 6,589 |
| Core capital (leverage) ratio | 7.1221% | 6,564 |
| Tier 1 risk-based capital ratio | 12.0784% | 5,733 |
| Total risk-based capital ratio | 13.2438% | 5,721 |
| Memoranda: | ||
| Average total assets | $389,986,750 | 1,700 |
| Average earning assets | $366,286,750 | 1,655 |
| Average equity | $28,492,500 | 2,373 |
| Average total loans | $251,398,750 | 1,656 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2034% | 6,223 |
| Cost of funding earning assets | 0.2435% | 6,224 |
| Net interest margin | 2.9599% | 5,674 |
| Noninterest income to average assets | 0.9653% | 1,615 |
| Noninterest expense to average assets | 3.0657% | 2,777 |
| Loan and lease loss provision to assets | 0.0572% | 3,858 |
| Net operating income to assets | 0.4808% | 4,879 |
| Return on assets (ROA) | 0.5225% | 4,871 |
| Pretax return on assets | 0.6796% | 4,746 |
| Return on Equity (ROE) | 6.9835% | 3,609 |
| Retained earnings to average equity (ytd only) | 4.6672% | 3,287 |
| Net charge-offs to loans | 0.0502% | 3,973 |
| Credit loss provision to net charge-offs | 180.3279% | 1,319 |
| Earnings coverage of net charge-offs (x) | 21.5082% | 1,413 |
| Efficiency ratio | 81.7854% | 1,915 |
| Assets per employee ($millions) | 5.0992% | 1,991 |
| Cash dividends to net income (ytd only)* | 33.1673% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 5,665 |
| Loan loss allowance to noncurrent loans | 97.8164% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.7531% | 4,327 |
| Noncurrent loans to loans | 1.0643% | 3,797 |
| Net loans and leases to total assets | 65.6906% | 2,641 |
| Net loans and leases to deposits | 77.3879% | 2,654 |
| Net loans and leases to core deposits | 81.4582% | 2,863 |
| Total domestic deposits to total assets | 84.8849% | 3,952 |
| Equity capital to assets | 7.2488% | 6,526 |
| Core capital (leverage) ratio | 7.4664% | 6,468 |
| Tier 1 risk-based capital ratio | 12.9829% | 5,154 |
| Total risk-based capital ratio | 14.1800% | 5,129 |
| Memoranda: | ||
| Average total assets | $384,319,330 | 1,723 |
| Average earning assets | $361,365,670 | 1,674 |
| Average equity | $28,753,670 | 2,362 |
| Average total loans | $242,830,000 | 1,702 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1677% | 6,335 |
| Cost of funding earning assets | 0.2427% | 6,333 |
| Net interest margin | 2.9249% | 5,762 |
| Noninterest income to average assets | 0.9874% | 1,496 |
| Noninterest expense to average assets | 3.0483% | 2,841 |
| Loan and lease loss provision to assets | 0.0311% | 4,060 |
| Net operating income to assets | 0.5009% | 4,653 |
| Return on assets (ROA) | 0.5617% | 4,558 |
| Pretax return on assets | 0.7403% | 4,409 |
| Return on Equity (ROE) | 7.3934% | 3,271 |
| Retained earnings to average equity (ytd only) | 5.4118% | 2,999 |
| Net charge-offs to loans | 0.0354% | 3,526 |
| Credit loss provision to net charge-offs | 142.8571% | 1,413 |
| Earnings coverage of net charge-offs (x) | 31.7143% | 939 |
| Efficiency ratio | 81.5103% | 2,116 |
| Assets per employee ($millions) | 5.6499% | 1,541 |
| Cash dividends to net income (ytd only)* | 26.8022% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 5,656 |
| Loan loss allowance to noncurrent loans | 213.4426% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 5,514 |
| Noncurrent loans to loans | 0.5098% | 5,156 |
| Net loans and leases to total assets | 59.8509% | 3,454 |
| Net loans and leases to deposits | 65.5006% | 4,123 |
| Net loans and leases to core deposits | 68.4654% | 4,245 |
| Total domestic deposits to total assets | 91.3746% | 389 |
| Equity capital to assets | 7.4046% | 6,622 |
| Core capital (leverage) ratio | 7.2211% | 6,573 |
| Tier 1 risk-based capital ratio | 13.2639% | 5,041 |
| Total risk-based capital ratio | 14.4797% | 5,009 |
| Memoranda: | ||
| Average total assets | $385,260,000 | 1,737 |
| Average earning assets | $362,539,000 | 1,687 |
| Average equity | $29,269,500 | 2,350 |
| Average total loans | $237,310,500 | 1,749 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4103% | 6,473 |
| Cost of funding earning assets | 0.3044% | 6,433 |
| Net interest margin | 3.1059% | 5,797 |
| Noninterest income to average assets | 1.0466% | 1,415 |
| Noninterest expense to average assets | 3.0947% | 2,939 |
| Loan and lease loss provision to assets | 0.0878% | 4,598 |
| Net operating income to assets | 0.5725% | 4,371 |
| Return on assets (ROA) | 0.5955% | 4,521 |
| Pretax return on assets | 0.8070% | 4,265 |
| Return on Equity (ROE) | 7.6970% | 3,234 |
| Retained earnings to average equity (ytd only) | 6.3279% | 1,910 |
| Net charge-offs to loans | 0.0870% | 4,806 |
| Credit loss provision to net charge-offs | 164.1026% | 1,637 |
| Earnings coverage of net charge-offs (x) | 16.1436% | 1,599 |
| Efficiency ratio | 78.1783% | 2,419 |
| Assets per employee ($millions) | 5.1373% | 2,056 |
| Cash dividends to net income (ytd only)* | 17.7880% | 3,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 5,541 |
| Loan loss allowance to noncurrent loans | 209.1935% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 5,519 |
| Noncurrent loans to loans | 0.5270% | 5,210 |
| Net loans and leases to total assets | 62.0534% | 3,239 |
| Net loans and leases to deposits | 68.3567% | 3,930 |
| Net loans and leases to core deposits | 71.4119% | 4,115 |
| Total domestic deposits to total assets | 90.7787% | 578 |
| Equity capital to assets | 7.8006% | 6,503 |
| Core capital (leverage) ratio | 7.7252% | 6,391 |
| Tier 1 risk-based capital ratio | 13.4385% | 4,799 |
| Total risk-based capital ratio | 14.6816% | 4,756 |
| Memoranda: | ||
| Average total assets | $364,426,800 | 1,787 |
| Average earning assets | $341,669,600 | 1,744 |
| Average equity | $28,192,800 | 2,379 |
| Average total loans | $224,235,600 | 1,812 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4442% | 6,568 |
| Cost of funding earning assets | 0.3090% | 6,567 |
| Net interest margin | 3.1352% | 5,850 |
| Noninterest income to average assets | 0.9663% | 1,611 |
| Noninterest expense to average assets | 3.0965% | 2,903 |
| Loan and lease loss provision to assets | 0.0774% | 4,671 |
| Net operating income to assets | 0.5459% | 4,638 |
| Return on assets (ROA) | 0.5672% | 4,807 |
| Pretax return on assets | 0.7640% | 4,618 |
| Return on Equity (ROE) | 7.3474% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.0775% | 2,651 |
| Net charge-offs to loans | 0.1192% | 4,180 |
| Credit loss provision to net charge-offs | 106.0606% | 2,769 |
| Earnings coverage of net charge-offs (x) | 11.1365% | 2,103 |
| Efficiency ratio | 79.2118% | 2,204 |
| Assets per employee ($millions) | 5.1210% | 2,028 |
| Cash dividends to net income (ytd only)* | 17.2840% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 5,736 |
| Loan loss allowance to noncurrent loans | 306.7985% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 5,927 |
| Noncurrent loans to loans | 0.3569% | 5,764 |
| Net loans and leases to total assets | 60.7997% | 3,610 |
| Net loans and leases to deposits | 67.2383% | 4,303 |
| Net loans and leases to core deposits | 70.6688% | 4,413 |
| Total domestic deposits to total assets | 90.4242% | 621 |
| Equity capital to assets | 7.8726% | 6,652 |
| Core capital (leverage) ratio | 7.4028% | 6,666 |
| Tier 1 risk-based capital ratio | 13.7368% | 4,734 |
| Total risk-based capital ratio | 14.9741% | 4,692 |
| Memoranda: | ||
| Average total assets | $361,777,500 | 1,823 |
| Average earning assets | $339,574,000 | 1,773 |
| Average equity | $27,927,500 | 2,418 |
| Average total loans | $221,467,250 | 1,842 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5153% | 6,588 |
| Cost of funding earning assets | 0.3110% | 6,686 |
| Net interest margin | 3.2042% | 5,729 |
| Noninterest income to average assets | 0.8763% | 1,875 |
| Noninterest expense to average assets | 3.0490% | 3,090 |
| Loan and lease loss provision to assets | 0.0835% | 4,553 |
| Net operating income to assets | 0.5412% | 4,622 |
| Return on assets (ROA) | 0.5603% | 4,818 |
| Pretax return on assets | 0.7678% | 4,580 |
| Return on Equity (ROE) | 7.3074% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.1319% | 2,626 |
| Net charge-offs to loans | 0.1647% | 3,620 |
| Credit loss provision to net charge-offs | 82.8729% | 3,246 |
| Earnings coverage of net charge-offs (x) | 8.1934% | 2,350 |
| Efficiency ratio | 78.7017% | 2,367 |
| Assets per employee ($millions) | 4.5924% | 2,736 |
| Cash dividends to net income (ytd only)* | 16.0874% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 5,780 |
| Loan loss allowance to noncurrent loans | 287.6179% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 5,883 |
| Noncurrent loans to loans | 0.3819% | 5,773 |
| Net loans and leases to total assets | 64.6262% | 2,902 |
| Net loans and leases to deposits | 71.3875% | 3,701 |
| Net loans and leases to core deposits | 75.5377% | 3,813 |
| Total domestic deposits to total assets | 90.5288% | 645 |
| Equity capital to assets | 8.2939% | 6,385 |
| Core capital (leverage) ratio | 7.8172% | 6,440 |
| Tier 1 risk-based capital ratio | 13.7705% | 4,612 |
| Total risk-based capital ratio | 15.0080% | 4,595 |
| Memoranda: | ||
| Average total assets | $359,467,000 | 1,830 |
| Average earning assets | $336,305,000 | 1,789 |
| Average equity | $27,561,000 | 2,439 |
| Average total loans | $219,737,670 | 1,858 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4427% | 6,764 |
| Cost of funding earning assets | 0.3121% | 6,808 |
| Net interest margin | 3.1305% | 5,958 |
| Noninterest income to average assets | 0.7301% | 2,498 |
| Noninterest expense to average assets | 2.8152% | 3,969 |
| Loan and lease loss provision to assets | 0.0975% | 4,127 |
| Net operating income to assets | 0.5356% | 4,668 |
| Return on assets (ROA) | 0.5535% | 4,784 |
| Pretax return on assets | 0.7647% | 4,551 |
| Return on Equity (ROE) | 7.5013% | 3,496 |
| Retained earnings to average equity (ytd only) | 5.1526% | 3,472 |
| Net charge-offs to loans | 0.2525% | 2,659 |
| Credit loss provision to net charge-offs | 65.2174% | 3,010 |
| Earnings coverage of net charge-offs (x) | 5.6014% | 2,331 |
| Efficiency ratio | 77.0759% | 2,637 |
| Assets per employee ($millions) | 4.8873% | 2,410 |
| Cash dividends to net income (ytd only)* | 31.3112% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 5,920 |
| Loan loss allowance to noncurrent loans | 211.8985% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.3932% | 5,886 |
| Noncurrent loans to loans | 0.5169% | 5,635 |
| Net loans and leases to total assets | 60.4668% | 3,567 |
| Net loans and leases to deposits | 66.3610% | 4,322 |
| Net loans and leases to core deposits | 70.1299% | 4,399 |
| Total domestic deposits to total assets | 91.1180% | 503 |
| Equity capital to assets | 7.5863% | 6,752 |
| Core capital (leverage) ratio | 7.3719% | 6,702 |
| Tier 1 risk-based capital ratio | 13.2534% | 5,028 |
| Total risk-based capital ratio | 14.4572% | 5,036 |
| Memoranda: | ||
| Average total assets | $369,281,000 | 1,795 |
| Average earning assets | $344,732,500 | 1,752 |
| Average equity | $27,248,500 | 2,458 |
| Average total loans | $218,574,500 | 1,868 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7095% | 6,835 |
| Cost of funding earning assets | 0.4780% | 6,621 |
| Net interest margin | 3.2315% | 6,010 |
| Noninterest income to average assets | 0.5465% | 3,536 |
| Noninterest expense to average assets | 3.1257% | 3,111 |
| Loan and lease loss provision to assets | 0.1467% | 4,778 |
| Net operating income to assets | 0.2190% | 5,530 |
| Return on assets (ROA) | 0.3089% | 5,376 |
| Pretax return on assets | 0.4523% | 5,123 |
| Return on Equity (ROE) | 4.3613% | 4,695 |
| Retained earnings to average equity (ytd only) | 2.5958% | 4,377 |
| Net charge-offs to loans | 0.1680% | 4,808 |
| Credit loss provision to net charge-offs | 140.7407% | 2,092 |
| Earnings coverage of net charge-offs (x) | 4.4786% | 3,097 |
| Efficiency ratio | 87.0040% | 1,440 |
| Assets per employee ($millions) | 5.5426% | 1,593 |
| Cash dividends to net income (ytd only)* | 40.4808% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 5,652 |
| Loan loss allowance to noncurrent loans | 107.0685% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.6118% | 5,431 |
| Noncurrent loans to loans | 1.0674% | 4,572 |
| Net loans and leases to total assets | 56.6656% | 4,598 |
| Net loans and leases to deposits | 61.9259% | 5,254 |
| Net loans and leases to core deposits | 65.5579% | 5,316 |
| Total domestic deposits to total assets | 91.5054% | 333 |
| Equity capital to assets | 7.1796% | 6,913 |
| Core capital (leverage) ratio | 7.4649% | 6,669 |
| Tier 1 risk-based capital ratio | 13.1959% | 4,919 |
| Total risk-based capital ratio | 14.4467% | 4,895 |
| Memoranda: | ||
| Average total assets | $336,694,600 | 1,922 |
| Average earning assets | $317,376,400 | 1,854 |
| Average equity | $23,846,200 | 2,685 |
| Average total loans | $208,976,800 | 1,966 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7955% | 6,844 |
| Cost of funding earning assets | 0.5169% | 6,640 |
| Net interest margin | 3.2785% | 5,920 |
| Noninterest income to average assets | 0.5017% | 3,861 |
| Noninterest expense to average assets | 3.2291% | 2,729 |
| Loan and lease loss provision to assets | 0.1347% | 4,748 |
| Net operating income to assets | 0.1585% | 5,805 |
| Return on assets (ROA) | 0.2588% | 5,694 |
| Pretax return on assets | 0.4037% | 5,456 |
| Return on Equity (ROE) | 3.6684% | 5,141 |
| Retained earnings to average equity (ytd only) | 1.2267% | 5,524 |
| Net charge-offs to loans | 0.1461% | 4,605 |
| Credit loss provision to net charge-offs | 145.3744% | 2,175 |
| Earnings coverage of net charge-offs (x) | 4.1189% | 3,175 |
| Efficiency ratio | 89.4303% | 1,207 |
| Assets per employee ($millions) | 5.4013% | 1,694 |
| Cash dividends to net income (ytd only)* | 66.5614% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 5,655 |
| Loan loss allowance to noncurrent loans | 120.9059% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.5722% | 5,687 |
| Noncurrent loans to loans | 0.9560% | 4,973 |
| Net loans and leases to total assets | 59.1643% | 4,293 |
| Net loans and leases to deposits | 65.0539% | 5,041 |
| Net loans and leases to core deposits | 68.9753% | 5,065 |
| Total domestic deposits to total assets | 90.9466% | 450 |
| Equity capital to assets | 7.6039% | 6,892 |
| Core capital (leverage) ratio | 7.2653% | 6,877 |
| Tier 1 risk-based capital ratio | 13.6366% | 4,629 |
| Total risk-based capital ratio | 14.8877% | 4,592 |
| Memoranda: | ||
| Average total assets | $326,643,500 | 1,981 |
| Average earning assets | $309,765,250 | 1,906 |
| Average equity | $23,042,750 | 2,774 |
| Average total loans | $207,210,750 | 2,004 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8706% | 6,845 |
| Cost of funding earning assets | 0.5376% | 6,714 |
| Net interest margin | 3.3330% | 5,763 |
| Noninterest income to average assets | 0.4835% | 3,992 |
| Noninterest expense to average assets | 3.3074% | 2,533 |
| Loan and lease loss provision to assets | 0.1036% | 5,013 |
| Net operating income to assets | 0.1108% | 5,987 |
| Return on assets (ROA) | 0.2185% | 5,788 |
| Pretax return on assets | 0.3981% | 5,402 |
| Return on Equity (ROE) | 3.1890% | 5,315 |
| Retained earnings to average equity (ytd only) | -0.4399% | 5,941 |
| Net charge-offs to loans | 0.1717% | 4,150 |
| Credit loss provision to net charge-offs | 93.2203% | 3,369 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,351 |
| Efficiency ratio | 90.8417% | 1,185 |
| Assets per employee ($millions) | 4.7161% | 2,520 |
| Cash dividends to net income (ytd only)* | 113.7931% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 5,934 |
| Loan loss allowance to noncurrent loans | 109.9810% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.6284% | 5,665 |
| Noncurrent loans to loans | 1.0056% | 4,985 |
| Net loans and leases to total assets | 61.7967% | 3,927 |
| Net loans and leases to deposits | 66.9302% | 4,863 |
| Net loans and leases to core deposits | 71.0784% | 4,943 |
| Total domestic deposits to total assets | 92.3301% | 181 |
| Equity capital to assets | 6.5956% | 7,169 |
| Core capital (leverage) ratio | 6.6211% | 7,099 |
| Tier 1 risk-based capital ratio | 10.9812% | 6,543 |
| Total risk-based capital ratio | 12.1943% | 6,545 |
| Memoranda: | ||
| Average total assets | $318,496,330 | 2,030 |
| Average earning assets | $301,711,330 | 1,964 |
| Average equity | $21,825,000 | 2,896 |
| Average total loans | $206,232,330 | 2,031 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9408% | 6,779 |
| Cost of funding earning assets | 0.5789% | 6,694 |
| Net interest margin | 3.3619% | 5,576 |
| Noninterest income to average assets | 0.5014% | 3,872 |
| Noninterest expense to average assets | 3.3694% | 2,359 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0522% | 6,227 |
| Return on assets (ROA) | 0.1405% | 6,028 |
| Pretax return on assets | 0.4511% | 5,185 |
| Return on Equity (ROE) | 2.0097% | 5,784 |
| Retained earnings to average equity (ytd only) | -1.4566% | 6,064 |
| Net charge-offs to loans | 0.0078% | 5,000 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 60.7500% | 488 |
| Efficiency ratio | 91.4946% | 1,200 |
| Assets per employee ($millions) | 4.7114% | 2,556 |
| Cash dividends to net income (ytd only)* | 172.4771% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 5,908 |
| Loan loss allowance to noncurrent loans | 91.8149% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.8856% | 5,135 |
| Noncurrent loans to loans | 1.2365% | 4,620 |
| Net loans and leases to total assets | 62.1998% | 3,811 |
| Net loans and leases to deposits | 67.5627% | 4,740 |
| Net loans and leases to core deposits | 71.9087% | 4,801 |
| Total domestic deposits to total assets | 92.0624% | 265 |
| Equity capital to assets | 6.6662% | 7,172 |
| Core capital (leverage) ratio | 6.6079% | 7,144 |
| Tier 1 risk-based capital ratio | 11.3042% | 6,252 |
| Total risk-based capital ratio | 12.5542% | 6,235 |
| Memoranda: | ||
| Average total assets | $310,323,000 | 2,092 |
| Average earning assets | $293,645,000 | 2,033 |
| Average equity | $21,695,000 | 2,902 |
| Average total loans | $204,730,500 | 2,056 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5757% | 6,178 |
| Cost of funding earning assets | 0.6782% | 6,937 |
| Net interest margin | 3.8975% | 3,503 |
| Noninterest income to average assets | 0.5419% | 3,872 |
| Noninterest expense to average assets | 3.3928% | 2,455 |
| Loan and lease loss provision to assets | 0.2652% | 4,678 |
| Net operating income to assets | 0.4130% | 4,487 |
| Return on assets (ROA) | 0.4130% | 4,623 |
| Pretax return on assets | 0.5455% | 4,488 |
| Return on Equity (ROE) | 5.4911% | 3,844 |
| Retained earnings to average equity (ytd only) | 4.4965% | 2,726 |
| Net charge-offs to loans | 0.3177% | 4,430 |
| Credit loss provision to net charge-offs | 117.9688% | 3,612 |
| Earnings coverage of net charge-offs (x) | 3.6063% | 3,283 |
| Efficiency ratio | 80.7152% | 2,315 |
| Assets per employee ($millions) | 4.4113% | 3,004 |
| Cash dividends to net income (ytd only)* | 18.1122% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 5,804 |
| Loan loss allowance to noncurrent loans | 100.7799% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.8993% | 5,221 |
| Noncurrent loans to loans | 1.1262% | 4,858 |
| Net loans and leases to total assets | 68.5512% | 2,853 |
| Net loans and leases to deposits | 75.2310% | 3,977 |
| Net loans and leases to core deposits | 80.6658% | 4,109 |
| Total domestic deposits to total assets | 91.1209% | 549 |
| Equity capital to assets | 7.3484% | 6,972 |
| Core capital (leverage) ratio | 7.0009% | 7,030 |
| Tier 1 risk-based capital ratio | 11.4134% | 5,983 |
| Total risk-based capital ratio | 12.6639% | 5,977 |
| Memoranda: | ||
| Average total assets | $284,718,000 | 2,247 |
| Average earning assets | $267,477,800 | 2,199 |
| Average equity | $21,416,600 | 2,960 |
| Average total loans | $201,479,600 | 2,141 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6234% | 6,273 |
| Cost of funding earning assets | 0.6936% | 7,077 |
| Net interest margin | 3.9298% | 3,408 |
| Noninterest income to average assets | 0.5262% | 3,973 |
| Noninterest expense to average assets | 3.4008% | 2,289 |
| Loan and lease loss provision to assets | 0.2860% | 4,282 |
| Net operating income to assets | 0.4038% | 4,733 |
| Return on assets (ROA) | 0.4038% | 4,909 |
| Pretax return on assets | 0.5281% | 4,826 |
| Return on Equity (ROE) | 5.3355% | 4,117 |
| Retained earnings to average equity (ytd only) | 4.9918% | 2,995 |
| Net charge-offs to loans | 0.3370% | 3,961 |
| Credit loss provision to net charge-offs | 119.3294% | 3,460 |
| Earnings coverage of net charge-offs (x) | 3.3965% | 3,472 |
| Efficiency ratio | 80.6842% | 2,255 |
| Assets per employee ($millions) | 4.4995% | 2,908 |
| Cash dividends to net income (ytd only)* | 6.4401% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 5,916 |
| Loan loss allowance to noncurrent loans | 93.0298% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.8358% | 5,421 |
| Noncurrent loans to loans | 1.1884% | 4,866 |
| Net loans and leases to total assets | 69.5532% | 2,839 |
| Net loans and leases to deposits | 76.3933% | 4,107 |
| Net loans and leases to core deposits | 81.7385% | 4,280 |
| Total domestic deposits to total assets | 91.0461% | 438 |
| Equity capital to assets | 7.4389% | 7,160 |
| Core capital (leverage) ratio | 7.0671% | 7,131 |
| Tier 1 risk-based capital ratio | 11.6076% | 5,823 |
| Total risk-based capital ratio | 12.8576% | 5,814 |
| Memoranda: | ||
| Average total assets | $282,007,500 | 2,306 |
| Average earning assets | $264,704,750 | 2,253 |
| Average equity | $21,341,000 | 3,001 |
| Average total loans | $200,615,500 | 2,181 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6716% | 6,242 |
| Cost of funding earning assets | 0.7098% | 7,172 |
| Net interest margin | 3.9619% | 3,197 |
| Noninterest income to average assets | 0.4844% | 4,240 |
| Noninterest expense to average assets | 3.3918% | 2,285 |
| Loan and lease loss provision to assets | 0.3068% | 3,933 |
| Net operating income to assets | 0.3863% | 4,815 |
| Return on assets (ROA) | 0.3863% | 4,980 |
| Pretax return on assets | 0.4974% | 4,907 |
| Return on Equity (ROE) | 5.0733% | 4,258 |
| Retained earnings to average equity (ytd only) | 4.5517% | 3,175 |
| Net charge-offs to loans | 0.3336% | 3,661 |
| Credit loss provision to net charge-offs | 128.7879% | 3,120 |
| Earnings coverage of net charge-offs (x) | 3.3758% | 3,352 |
| Efficiency ratio | 80.8328% | 2,327 |
| Assets per employee ($millions) | 4.2289% | 3,335 |
| Cash dividends to net income (ytd only)* | 10.2804% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 5,816 |
| Loan loss allowance to noncurrent loans | 79.0809% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.0608% | 5,017 |
| Noncurrent loans to loans | 1.4236% | 4,578 |
| Net loans and leases to total assets | 73.6809% | 1,984 |
| Net loans and leases to deposits | 81.1132% | 3,416 |
| Net loans and leases to core deposits | 87.2221% | 3,659 |
| Total domestic deposits to total assets | 90.8371% | 554 |
| Equity capital to assets | 7.8190% | 6,907 |
| Core capital (leverage) ratio | 7.4790% | 6,841 |
| Tier 1 risk-based capital ratio | 12.1999% | 5,129 |
| Total risk-based capital ratio | 13.4509% | 5,099 |
| Memoranda: | ||
| Average total assets | $277,021,000 | 2,356 |
| Average earning assets | $259,523,330 | 2,311 |
| Average equity | $21,091,000 | 3,026 |
| Average total loans | $197,867,670 | 2,236 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5515% | 6,675 |
| Cost of funding earning assets | 0.7389% | 7,253 |
| Net interest margin | 3.8126% | 3,739 |
| Noninterest income to average assets | 0.4761% | 4,232 |
| Noninterest expense to average assets | 3.2752% | 2,612 |
| Loan and lease loss provision to assets | 0.3236% | 3,472 |
| Net operating income to assets | 0.3553% | 5,053 |
| Return on assets (ROA) | 0.3553% | 5,179 |
| Pretax return on assets | 0.4545% | 5,112 |
| Return on Equity (ROE) | 4.7295% | 4,520 |
| Retained earnings to average equity (ytd only) | 3.6764% | 3,948 |
| Net charge-offs to loans | 0.4712% | 2,633 |
| Credit loss provision to net charge-offs | 98.2533% | 3,486 |
| Earnings coverage of net charge-offs (x) | 2.3624% | 3,360 |
| Efficiency ratio | 80.8020% | 2,438 |
| Assets per employee ($millions) | 4.7087% | 2,634 |
| Cash dividends to net income (ytd only)* | 22.2672% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1296% | 5,866 |
| Loan loss allowance to noncurrent loans | 71.1018% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.0987% | 4,952 |
| Noncurrent loans to loans | 1.5887% | 4,357 |
| Net loans and leases to total assets | 68.3757% | 3,298 |
| Net loans and leases to deposits | 75.8156% | 4,447 |
| Net loans and leases to core deposits | 81.0577% | 4,614 |
| Total domestic deposits to total assets | 90.1869% | 896 |
| Equity capital to assets | 7.4533% | 7,107 |
| Core capital (leverage) ratio | 7.4509% | 6,895 |
| Tier 1 risk-based capital ratio | 12.0752% | 5,114 |
| Total risk-based capital ratio | 13.3255% | 5,086 |
| Memoranda: | ||
| Average total assets | $278,091,500 | 2,409 |
| Average earning assets | $260,925,000 | 2,344 |
| Average equity | $20,890,000 | 3,076 |
| Average total loans | $194,381,500 | 2,332 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7538% | 7,043 |
| Cost of funding earning assets | 1.1376% | 6,858 |
| Net interest margin | 3.6163% | 4,493 |
| Noninterest income to average assets | 0.5020% | 4,388 |
| Noninterest expense to average assets | 3.3157% | 2,962 |
| Loan and lease loss provision to assets | 0.2061% | 5,695 |
| Net operating income to assets | 0.2731% | 4,633 |
| Return on assets (ROA) | 0.2842% | 4,682 |
| Pretax return on assets | 0.3769% | 4,562 |
| Return on Equity (ROE) | 3.8336% | 4,153 |
| Retained earnings to average equity (ytd only) | 1.5507% | 3,989 |
| Net charge-offs to loans | 0.1901% | 5,462 |
| Credit loss provision to net charge-offs | 154.9575% | 2,940 |
| Earnings coverage of net charge-offs (x) | 4.2720% | 3,003 |
| Efficiency ratio | 85.3677% | 2,183 |
| Assets per employee ($millions) | 4.4139% | 3,081 |
| Cash dividends to net income (ytd only)* | 59.5491% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 5,674 |
| Loan loss allowance to noncurrent loans | 65.9016% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.2260% | 4,648 |
| Noncurrent loans to loans | 1.7349% | 4,033 |
| Net loans and leases to total assets | 69.8560% | 3,288 |
| Net loans and leases to deposits | 76.1822% | 4,713 |
| Net loans and leases to core deposits | 88.3986% | 5,287 |
| Total domestic deposits to total assets | 91.6960% | 328 |
| Equity capital to assets | 7.5725% | 6,968 |
| Core capital (leverage) ratio | 7.3483% | 6,942 |
| Tier 1 risk-based capital ratio | 12.7145% | 4,351 |
| Total risk-based capital ratio | 13.9658% | 4,288 |
| Memoranda: | ||
| Average total assets | $265,346,800 | 2,469 |
| Average earning assets | $248,157,200 | 2,420 |
| Average equity | $19,668,200 | 3,254 |
| Average total loans | $185,677,200 | 2,448 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7159% | 7,255 |
| Cost of funding earning assets | 1.2115% | 6,856 |
| Net interest margin | 3.5044% | 4,846 |
| Noninterest income to average assets | 0.4983% | 4,496 |
| Noninterest expense to average assets | 3.2559% | 3,099 |
| Loan and lease loss provision to assets | 0.1631% | 5,722 |
| Net operating income to assets | 0.2661% | 4,924 |
| Return on assets (ROA) | 0.2811% | 4,968 |
| Pretax return on assets | 0.3783% | 4,852 |
| Return on Equity (ROE) | 3.8134% | 4,452 |
| Retained earnings to average equity (ytd only) | 1.8140% | 4,302 |
| Net charge-offs to loans | 0.1458% | 5,239 |
| Credit loss provision to net charge-offs | 160.1990% | 2,961 |
| Earnings coverage of net charge-offs (x) | 5.1195% | 2,918 |
| Efficiency ratio | 86.2027% | 2,039 |
| Assets per employee ($millions) | 4.7789% | 2,428 |
| Cash dividends to net income (ytd only)* | 52.4325% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 5,758 |
| Loan loss allowance to noncurrent loans | 84.3725% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.8837% | 5,313 |
| Noncurrent loans to loans | 1.2978% | 4,773 |
| Net loans and leases to total assets | 67.3496% | 4,105 |
| Net loans and leases to deposits | 73.1466% | 5,491 |
| Net loans and leases to core deposits | 86.8436% | 5,778 |
| Total domestic deposits to total assets | 92.0749% | 164 |
| Equity capital to assets | 7.2680% | 7,446 |
| Core capital (leverage) ratio | 7.0076% | 7,430 |
| Tier 1 risk-based capital ratio | 12.0952% | 4,883 |
| Total risk-based capital ratio | 13.3452% | 4,831 |
| Memoranda: | ||
| Average total assets | $263,267,750 | 2,499 |
| Average earning assets | $246,310,000 | 2,457 |
| Average equity | $19,404,500 | 3,325 |
| Average total loans | $183,751,250 | 2,491 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8104% | 7,209 |
| Cost of funding earning assets | 1.3043% | 6,793 |
| Net interest margin | 3.5061% | 4,769 |
| Noninterest income to average assets | 0.4807% | 4,622 |
| Noninterest expense to average assets | 3.2265% | 3,248 |
| Loan and lease loss provision to assets | 0.1018% | 6,152 |
| Net operating income to assets | 0.3038% | 4,882 |
| Return on assets (ROA) | 0.3038% | 4,994 |
| Pretax return on assets | 0.4251% | 4,858 |
| Return on Equity (ROE) | 4.1002% | 4,455 |
| Retained earnings to average equity (ytd only) | 2.6947% | 3,832 |
| Net charge-offs to loans | 0.0167% | 6,291 |
| Credit loss provision to net charge-offs | 866.6667% | 551 |
| Earnings coverage of net charge-offs (x) | 44.8667% | 748 |
| Efficiency ratio | 85.9616% | 2,234 |
| Assets per employee ($millions) | 4.6627% | 2,511 |
| Cash dividends to net income (ytd only)* | 34.2784% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 4,988 |
| Loan loss allowance to noncurrent loans | 99.3014% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.8078% | 5,374 |
| Noncurrent loans to loans | 1.2027% | 4,807 |
| Net loans and leases to total assets | 66.3669% | 4,491 |
| Net loans and leases to deposits | 72.4637% | 5,674 |
| Net loans and leases to core deposits | 87.0939% | 5,800 |
| Total domestic deposits to total assets | 91.5865% | 298 |
| Equity capital to assets | 7.6719% | 7,110 |
| Core capital (leverage) ratio | 7.8451% | 6,555 |
| Tier 1 risk-based capital ratio | 12.6671% | 4,383 |
| Total risk-based capital ratio | 13.9180% | 4,300 |
| Memoranda: | ||
| Average total assets | $255,445,330 | 2,579 |
| Average earning assets | $238,442,330 | 2,534 |
| Average equity | $18,926,000 | 3,405 |
| Average total loans | $179,917,330 | 2,575 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8619% | 7,259 |
| Cost of funding earning assets | 1.4118% | 6,690 |
| Net interest margin | 3.4500% | 4,937 |
| Noninterest income to average assets | 0.3980% | 5,223 |
| Noninterest expense to average assets | 3.1884% | 3,041 |
| Loan and lease loss provision to assets | 0.0831% | 5,894 |
| Net operating income to assets | 0.2461% | 5,499 |
| Return on assets (ROA) | 0.2461% | 5,664 |
| Pretax return on assets | 0.3484% | 5,537 |
| Return on Equity (ROE) | 3.3857% | 5,214 |
| Retained earnings to average equity (ytd only) | 3.3857% | 3,998 |
| Net charge-offs to loans | 0.0177% | 5,328 |
| Credit loss provision to net charge-offs | 650.0000% | 888 |
| Earnings coverage of net charge-offs (x) | 33.7500% | 973 |
| Efficiency ratio | 88.0795% | 1,888 |
| Assets per employee ($millions) | 4.2600% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 5,208 |
| Loan loss allowance to noncurrent loans | 125.1366% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.6338% | 5,587 |
| Noncurrent loans to loans | 0.9089% | 5,185 |
| Net loans and leases to total assets | 68.9386% | 3,931 |
| Net loans and leases to deposits | 75.3547% | 5,303 |
| Net loans and leases to core deposits | 89.7673% | 5,577 |
| Total domestic deposits to total assets | 91.4855% | 280 |
| Equity capital to assets | 7.7822% | 7,090 |
| Core capital (leverage) ratio | 8.2551% | 5,987 |
| Tier 1 risk-based capital ratio | 12.5971% | 4,476 |
| Total risk-based capital ratio | 13.8472% | 4,398 |
| Memoranda: | ||
| Average total assets | $250,281,000 | 2,640 |
| Average earning assets | $233,736,500 | 2,602 |
| Average equity | $18,194,000 | 3,539 |
| Average total loans | $180,617,000 | 2,590 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4388% | 7,414 |
| Cost of funding earning assets | 1.4889% | 7,626 |
| Net interest margin | 3.9499% | 3,362 |
| Noninterest income to average assets | 0.6319% | 3,619 |
| Noninterest expense to average assets | 3.8744% | 1,608 |
| Loan and lease loss provision to assets | 0.2014% | 4,876 |
| Net operating income to assets | 0.2240% | 5,776 |
| Return on assets (ROA) | -0.2761% | 6,564 |
| Pretax return on assets | -0.6136% | 6,746 |
| Return on Equity (ROE) | -3.7339% | 6,709 |
| Retained earnings to average equity (ytd only) | -5.5494% | 6,593 |
| Net charge-offs to loans | 0.2058% | 4,150 |
| Credit loss provision to net charge-offs | 125.6983% | 4,248 |
| Earnings coverage of net charge-offs (x) | 2.3045% | 4,933 |
| Efficiency ratio | 91.2993% | 1,424 |
| Assets per employee ($millions) | 4.0117% | 3,488 |
| Cash dividends to net income (ytd only)* | -48.6224% | 8,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 5,128 |
| Loan loss allowance to noncurrent loans | 309.8310% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 6,494 |
| Noncurrent loans to loans | 0.3616% | 6,283 |
| Net loans and leases to total assets | 73.9554% | 3,110 |
| Net loans and leases to deposits | 80.4056% | 4,975 |
| Net loans and leases to core deposits | 94.8699% | 5,368 |
| Total domestic deposits to total assets | 91.9779% | 137 |
| Equity capital to assets | 6.7159% | 7,866 |
| Core capital (leverage) ratio | 6.9974% | 7,699 |
| Tier 1 risk-based capital ratio | 10.8772% | 5,836 |
| Total risk-based capital ratio | 12.1254% | 5,751 |
| Memoranda: | ||
| Average total assets | $223,438,400 | 2,837 |
| Average earning assets | $204,310,200 | 2,850 |
| Average equity | $16,524,400 | 3,822 |
| Average total loans | $173,930,800 | 2,569 |