Home > Tradition Bank - Bellaire > Performance and Condition Ratios
Tradition Bank - Bellaire, Performance and Condition Ratios
| 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 | 3.7379% | 4,241 |
| Cost of funding earning assets | 0.4841% | 2,317 |
| Net interest margin | 3.2538% | 4,460 |
| Noninterest income to average assets | 0.2669% | 4,961 |
| Noninterest expense to average assets | 3.3904% | 1,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0520% | 5,901 |
| Return on assets (ROA) | 0.0469% | 5,853 |
| Pretax return on assets | 0.0420% | 5,855 |
| Return on Equity (ROE) | 0.4890% | 5,841 |
| Retained earnings to average equity (ytd only) | -1.8249% | 5,740 |
| Net charge-offs to loans | 0.0275% | 3,681 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -4.6615% | 4,395 |
| Efficiency ratio | 101.7061% | 250 |
| Assets per employee ($millions) | 5.5285% | 1,770 |
| Cash dividends to net income (ytd only)* | 473.2000% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6869% | 1,381 |
| Loan loss allowance to noncurrent loans | 88.6808% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.0935% | 2,012 |
| Noncurrent loans to loans | 1.9022% | 1,127 |
| Net loans and leases to total assets | 45.3825% | 5,201 |
| Net loans and leases to deposits | 50.7746% | 5,345 |
| Net loans and leases to core deposits | 53.0104% | 5,371 |
| Total domestic deposits to total assets | 89.3802% | 920 |
| Equity capital to assets | 9.0584% | 5,069 |
| Core capital (leverage) ratio | 8.6431% | 5,285 |
| Tier 1 risk-based capital ratio | 14.1620% | 3,629 |
| Total risk-based capital ratio | 15.4122% | 3,544 |
| Memoranda: | ||
| Average total assets | $532,761,400 | 1,268 |
| Average earning assets | $502,125,800 | 1,244 |
| Average equity | $51,126,400 | 1,452 |
| Average total loans | $236,208,400 | 1,830 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7469% | 4,269 |
| Cost of funding earning assets | 0.4831% | 2,379 |
| Net interest margin | 3.2638% | 4,474 |
| Noninterest income to average assets | 0.2739% | 4,980 |
| Noninterest expense to average assets | 2.6093% | 3,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6637% | 4,058 |
| Return on assets (ROA) | 0.7746% | 3,647 |
| Pretax return on assets | 0.8641% | 4,119 |
| Return on Equity (ROE) | 7.9563% | 3,093 |
| Retained earnings to average equity (ytd only) | 6.1238% | 2,172 |
| Net charge-offs to loans | -0.0603% | 5,602 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8864% | 1,958 |
| Assets per employee ($millions) | 5.2522% | 1,998 |
| Cash dividends to net income (ytd only)* | 23.0320% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8529% | 1,169 |
| Loan loss allowance to noncurrent loans | 245.1327% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 3,652 |
| Noncurrent loans to loans | 0.7559% | 3,072 |
| Net loans and leases to total assets | 43.3963% | 5,394 |
| Net loans and leases to deposits | 48.4888% | 5,538 |
| Net loans and leases to core deposits | 50.6139% | 5,559 |
| Total domestic deposits to total assets | 89.4975% | 775 |
| Equity capital to assets | 9.7596% | 4,433 |
| Core capital (leverage) ratio | 9.5267% | 4,264 |
| Tier 1 risk-based capital ratio | 15.9318% | 2,830 |
| Total risk-based capital ratio | 17.1836% | 2,770 |
| Memoranda: | ||
| Average total assets | $529,120,250 | 1,284 |
| Average earning assets | $498,705,750 | 1,262 |
| Average equity | $51,513,250 | 1,444 |
| Average total loans | $232,097,500 | 1,863 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7431% | 4,266 |
| Cost of funding earning assets | 0.4813% | 2,420 |
| Net interest margin | 3.2618% | 4,446 |
| Noninterest income to average assets | 0.2666% | 5,046 |
| Noninterest expense to average assets | 2.5603% | 4,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6756% | 3,999 |
| Return on assets (ROA) | 0.8131% | 3,421 |
| Pretax return on assets | 0.9384% | 3,818 |
| Return on Equity (ROE) | 8.3586% | 2,870 |
| Retained earnings to average equity (ytd only) | 6.5107% | 1,939 |
| Net charge-offs to loans | -0.0914% | 5,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6416% | 2,260 |
| Assets per employee ($millions) | 4.6630% | 2,727 |
| Cash dividends to net income (ytd only)* | 22.1077% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8323% | 1,310 |
| Loan loss allowance to noncurrent loans | 208.5647% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 3,523 |
| Noncurrent loans to loans | 0.8785% | 2,932 |
| Net loans and leases to total assets | 45.4657% | 5,291 |
| Net loans and leases to deposits | 51.1587% | 5,437 |
| Net loans and leases to core deposits | 53.2539% | 5,470 |
| Total domestic deposits to total assets | 88.8718% | 1,204 |
| Equity capital to assets | 9.8780% | 4,179 |
| Core capital (leverage) ratio | 9.6065% | 4,130 |
| Tier 1 risk-based capital ratio | 15.4061% | 3,161 |
| Total risk-based capital ratio | 16.6575% | 3,093 |
| Memoranda: | ||
| Average total assets | $525,168,000 | 1,303 |
| Average earning assets | $494,934,000 | 1,276 |
| Average equity | $51,085,330 | 1,462 |
| Average total loans | $229,731,330 | 1,888 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6863% | 4,415 |
| Cost of funding earning assets | 0.4848% | 2,420 |
| Net interest margin | 3.2015% | 4,605 |
| Noninterest income to average assets | 0.2643% | 5,061 |
| Noninterest expense to average assets | 2.5734% | 4,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6109% | 4,238 |
| Return on assets (ROA) | 0.8788% | 2,973 |
| Pretax return on assets | 1.0307% | 3,374 |
| Return on Equity (ROE) | 9.1042% | 2,397 |
| Retained earnings to average equity (ytd only) | 7.2551% | 1,884 |
| Net charge-offs to loans | -0.0411% | 5,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2448% | 2,153 |
| Assets per employee ($millions) | 4.8571% | 2,550 |
| Cash dividends to net income (ytd only)* | 20.3111% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 1,216 |
| Loan loss allowance to noncurrent loans | 289.8068% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.5107% | 3,982 |
| Noncurrent loans to loans | 0.6677% | 3,612 |
| Net loans and leases to total assets | 42.0230% | 5,486 |
| Net loans and leases to deposits | 47.4442% | 5,593 |
| Net loans and leases to core deposits | 49.2464% | 5,623 |
| Total domestic deposits to total assets | 88.5735% | 1,510 |
| Equity capital to assets | 9.8058% | 4,383 |
| Core capital (leverage) ratio | 9.4782% | 4,316 |
| Tier 1 risk-based capital ratio | 16.0008% | 2,923 |
| Total risk-based capital ratio | 17.2526% | 2,852 |
| Memoranda: | ||
| Average total assets | $526,622,000 | 1,296 |
| Average earning assets | $497,519,500 | 1,271 |
| Average equity | $50,833,500 | 1,480 |
| Average total loans | $223,656,500 | 1,924 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8655% | 4,266 |
| Cost of funding earning assets | 0.5640% | 2,103 |
| Net interest margin | 3.3015% | 4,557 |
| Noninterest income to average assets | 0.2492% | 5,340 |
| Noninterest expense to average assets | 2.5627% | 4,349 |
| Loan and lease loss provision to assets | 0.0095% | 4,436 |
| Net operating income to assets | 0.7097% | 3,839 |
| Return on assets (ROA) | 0.8230% | 3,356 |
| Pretax return on assets | 0.9199% | 3,826 |
| Return on Equity (ROE) | 8.8887% | 2,643 |
| Retained earnings to average equity (ytd only) | 6.5224% | 1,628 |
| Net charge-offs to loans | -0.0886% | 6,087 |
| Credit loss provision to net charge-offs | -24.6305% | 5,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1632% | 2,484 |
| Assets per employee ($millions) | 4.7203% | 2,695 |
| Cash dividends to net income (ytd only)* | 26.6219% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9450% | 1,212 |
| Loan loss allowance to noncurrent loans | 275.8445% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.5323% | 4,022 |
| Noncurrent loans to loans | 0.7051% | 3,566 |
| Net loans and leases to total assets | 41.2722% | 5,673 |
| Net loans and leases to deposits | 46.6254% | 5,765 |
| Net loans and leases to core deposits | 48.4165% | 5,794 |
| Total domestic deposits to total assets | 88.5187% | 1,520 |
| Equity capital to assets | 9.5009% | 4,723 |
| Core capital (leverage) ratio | 9.0090% | 4,990 |
| Tier 1 risk-based capital ratio | 16.1021% | 2,916 |
| Total risk-based capital ratio | 17.3516% | 2,856 |
| Memoranda: | ||
| Average total assets | $524,400,000 | 1,283 |
| Average earning assets | $494,865,400 | 1,245 |
| Average equity | $48,555,800 | 1,484 |
| Average total loans | $228,998,200 | 1,830 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8972% | 4,183 |
| Cost of funding earning assets | 0.5732% | 2,079 |
| Net interest margin | 3.3240% | 4,525 |
| Noninterest income to average assets | 0.2515% | 5,417 |
| Noninterest expense to average assets | 2.6114% | 4,162 |
| Loan and lease loss provision to assets | 0.0125% | 4,165 |
| Net operating income to assets | 0.6886% | 4,001 |
| Return on assets (ROA) | 0.8260% | 3,399 |
| Pretax return on assets | 0.9167% | 3,920 |
| Return on Equity (ROE) | 8.9796% | 2,694 |
| Retained earnings to average equity (ytd only) | 7.0214% | 1,812 |
| Net charge-offs to loans | -0.0931% | 6,115 |
| Credit loss provision to net charge-offs | -30.4348% | 5,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0793% | 2,342 |
| Assets per employee ($millions) | 4.7346% | 2,615 |
| Cash dividends to net income (ytd only)* | 21.8074% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 1,506 |
| Loan loss allowance to noncurrent loans | 969.4570% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 5,013 |
| Noncurrent loans to loans | 0.1938% | 5,324 |
| Net loans and leases to total assets | 41.8198% | 5,691 |
| Net loans and leases to deposits | 46.8762% | 5,829 |
| Net loans and leases to core deposits | 48.6897% | 5,853 |
| Total domestic deposits to total assets | 89.2133% | 1,122 |
| Equity capital to assets | 9.2559% | 5,077 |
| Core capital (leverage) ratio | 8.9962% | 5,076 |
| Tier 1 risk-based capital ratio | 15.8291% | 3,141 |
| Total risk-based capital ratio | 17.0813% | 3,083 |
| Memoranda: | ||
| Average total assets | $523,331,000 | 1,295 |
| Average earning assets | $493,807,250 | 1,256 |
| Average equity | $48,137,500 | 1,500 |
| Average total loans | $230,616,750 | 1,826 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9572% | 3,907 |
| Cost of funding earning assets | 0.5828% | 2,051 |
| Net interest margin | 3.3744% | 4,288 |
| Noninterest income to average assets | 0.2530% | 5,384 |
| Noninterest expense to average assets | 2.6136% | 4,191 |
| Loan and lease loss provision to assets | 0.0189% | 3,892 |
| Net operating income to assets | 0.7268% | 3,688 |
| Return on assets (ROA) | 0.8309% | 3,268 |
| Pretax return on assets | 0.9164% | 3,823 |
| Return on Equity (ROE) | 9.0526% | 2,566 |
| Retained earnings to average equity (ytd only) | 7.0726% | 1,737 |
| Net charge-offs to loans | -0.0959% | 6,128 |
| Credit loss provision to net charge-offs | -44.1441% | 5,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0987% | 2,612 |
| Assets per employee ($millions) | 4.5600% | 2,826 |
| Cash dividends to net income (ytd only)* | 21.8721% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8245% | 1,779 |
| Loan loss allowance to noncurrent loans | 580.9328% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 4,896 |
| Noncurrent loans to loans | 0.3141% | 5,071 |
| Net loans and leases to total assets | 43.4573% | 5,570 |
| Net loans and leases to deposits | 48.7269% | 5,727 |
| Net loans and leases to core deposits | 50.6057% | 5,759 |
| Total domestic deposits to total assets | 89.1853% | 1,260 |
| Equity capital to assets | 9.3519% | 4,918 |
| Core capital (leverage) ratio | 8.9246% | 5,129 |
| Tier 1 risk-based capital ratio | 15.5813% | 3,309 |
| Total risk-based capital ratio | 16.8332% | 3,263 |
| Memoranda: | ||
| Average total assets | $519,438,000 | 1,291 |
| Average earning assets | $489,740,330 | 1,262 |
| Average equity | $47,676,670 | 1,507 |
| Average total loans | $231,480,670 | 1,814 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 3,748 |
| Cost of funding earning assets | 0.5853% | 2,112 |
| Net interest margin | 3.4009% | 4,110 |
| Noninterest income to average assets | 0.2484% | 5,375 |
| Noninterest expense to average assets | 2.6114% | 4,231 |
| Loan and lease loss provision to assets | 0.0387% | 3,299 |
| Net operating income to assets | 0.7598% | 3,356 |
| Return on assets (ROA) | 0.7598% | 3,445 |
| Pretax return on assets | 0.8039% | 4,095 |
| Return on Equity (ROE) | 8.3584% | 2,757 |
| Retained earnings to average equity (ytd only) | 6.3497% | 2,351 |
| Net charge-offs to loans | 0.0121% | 3,366 |
| Credit loss provision to net charge-offs | 714.2857% | 405 |
| Earnings coverage of net charge-offs (x) | 155.5714% | 315 |
| Efficiency ratio | 75.6048% | 2,861 |
| Assets per employee ($millions) | 4.7489% | 2,599 |
| Cash dividends to net income (ytd only)* | 24.0326% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7847% | 2,085 |
| Loan loss allowance to noncurrent loans | 425.3099% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 4,892 |
| Noncurrent loans to loans | 0.4196% | 4,877 |
| Net loans and leases to total assets | 42.5965% | 5,617 |
| Net loans and leases to deposits | 47.9852% | 5,732 |
| Net loans and leases to core deposits | 49.9240% | 5,769 |
| Total domestic deposits to total assets | 88.7701% | 1,795 |
| Equity capital to assets | 8.9675% | 5,151 |
| Core capital (leverage) ratio | 8.9653% | 5,064 |
| Tier 1 risk-based capital ratio | 15.6037% | 3,377 |
| Total risk-based capital ratio | 16.8555% | 3,341 |
| Memoranda: | ||
| Average total assets | $516,958,000 | 1,304 |
| Average earning assets | $487,284,500 | 1,275 |
| Average equity | $46,994,500 | 1,519 |
| Average total loans | $231,159,000 | 1,810 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0569% | 3,895 |
| Cost of funding earning assets | 0.6431% | 2,269 |
| Net interest margin | 3.4139% | 4,226 |
| Noninterest income to average assets | 0.3069% | 5,142 |
| Noninterest expense to average assets | 2.6177% | 4,398 |
| Loan and lease loss provision to assets | 0.0410% | 4,300 |
| Net operating income to assets | 0.7886% | 3,349 |
| Return on assets (ROA) | 0.8196% | 3,285 |
| Pretax return on assets | 0.8797% | 3,850 |
| Return on Equity (ROE) | 8.8173% | 2,631 |
| Retained earnings to average equity (ytd only) | 6.2779% | 1,808 |
| Net charge-offs to loans | 0.0241% | 4,941 |
| Credit loss provision to net charge-offs | 370.3704% | 621 |
| Earnings coverage of net charge-offs (x) | 80.1852% | 548 |
| Efficiency ratio | 74.6858% | 3,012 |
| Assets per employee ($millions) | 4.4825% | 2,937 |
| Cash dividends to net income (ytd only)* | 28.8000% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7592% | 2,191 |
| Loan loss allowance to noncurrent loans | 322.9002% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.4860% | 4,778 |
| Noncurrent loans to loans | 0.5448% | 4,630 |
| Net loans and leases to total assets | 45.3282% | 5,551 |
| Net loans and leases to deposits | 51.0762% | 5,690 |
| Net loans and leases to core deposits | 53.0813% | 5,726 |
| Total domestic deposits to total assets | 88.7461% | 1,780 |
| Equity capital to assets | 9.2210% | 4,780 |
| Core capital (leverage) ratio | 9.0956% | 4,861 |
| Tier 1 risk-based capital ratio | 15.3992% | 3,428 |
| Total risk-based capital ratio | 16.6506% | 3,377 |
| Memoranda: | ||
| Average total assets | $488,031,600 | 1,359 |
| Average earning assets | $457,167,000 | 1,326 |
| Average equity | $45,365,200 | 1,543 |
| Average total loans | $223,916,600 | 1,827 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0533% | 3,921 |
| Cost of funding earning assets | 0.6527% | 2,342 |
| Net interest margin | 3.4006% | 4,284 |
| Noninterest income to average assets | 0.2931% | 5,354 |
| Noninterest expense to average assets | 2.6854% | 4,075 |
| Loan and lease loss provision to assets | 0.0495% | 4,025 |
| Net operating income to assets | 0.7064% | 3,822 |
| Return on assets (ROA) | 0.7490% | 3,732 |
| Pretax return on assets | 0.7859% | 4,349 |
| Return on Equity (ROE) | 8.0412% | 3,106 |
| Retained earnings to average equity (ytd only) | 5.9408% | 2,449 |
| Net charge-offs to loans | 0.0018% | 5,185 |
| Credit loss provision to net charge-offs | 6,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 957.6425% | 48 |
| Efficiency ratio | 77.2562% | 2,521 |
| Assets per employee ($millions) | 4.5507% | 2,801 |
| Cash dividends to net income (ytd only)* | 26.1206% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8163% | 2,254 |
| Loan loss allowance to noncurrent loans | 624.9619% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 4,477 |
| Noncurrent loans to loans | 0.2906% | 5,504 |
| Net loans and leases to total assets | 45.5844% | 5,587 |
| Net loans and leases to deposits | 51.0246% | 5,774 |
| Net loans and leases to core deposits | 52.9612% | 5,835 |
| Total domestic deposits to total assets | 89.3381% | 1,391 |
| Equity capital to assets | 9.3208% | 4,776 |
| Core capital (leverage) ratio | 9.1621% | 4,884 |
| Tier 1 risk-based capital ratio | 15.4958% | 3,473 |
| Total risk-based capital ratio | 16.7483% | 3,428 |
| Memoranda: | ||
| Average total assets | $484,529,750 | 1,375 |
| Average earning assets | $453,510,000 | 1,348 |
| Average equity | $45,133,250 | 1,564 |
| Average total loans | $221,985,750 | 1,845 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 3,937 |
| Cost of funding earning assets | 0.6581% | 2,423 |
| Net interest margin | 3.3876% | 4,235 |
| Noninterest income to average assets | 0.2989% | 5,314 |
| Noninterest expense to average assets | 2.6614% | 4,178 |
| Loan and lease loss provision to assets | 0.0496% | 3,991 |
| Net operating income to assets | 0.7098% | 3,757 |
| Return on assets (ROA) | 0.7732% | 3,593 |
| Pretax return on assets | 0.8244% | 4,224 |
| Return on Equity (ROE) | 8.3020% | 2,942 |
| Retained earnings to average equity (ytd only) | 6.1977% | 2,324 |
| Net charge-offs to loans | 0.0036% | 4,847 |
| Credit loss provision to net charge-offs | 3,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 487.7500% | 97 |
| Efficiency ratio | 76.7406% | 2,677 |
| Assets per employee ($millions) | 4.3605% | 3,078 |
| Cash dividends to net income (ytd only)* | 25.3476% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7964% | 2,448 |
| Loan loss allowance to noncurrent loans | 335.1284% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.7766% | 4,282 |
| Noncurrent loans to loans | 0.5360% | 4,922 |
| Net loans and leases to total assets | 45.6868% | 5,567 |
| Net loans and leases to deposits | 50.9354% | 5,776 |
| Net loans and leases to core deposits | 52.8044% | 5,830 |
| Total domestic deposits to total assets | 89.6955% | 1,209 |
| Equity capital to assets | 9.2884% | 4,874 |
| Core capital (leverage) ratio | 9.1827% | 4,719 |
| Tier 1 risk-based capital ratio | 15.4860% | 3,490 |
| Total risk-based capital ratio | 16.7384% | 3,440 |
| Memoranda: | ||
| Average total assets | $483,732,670 | 1,378 |
| Average earning assets | $452,527,000 | 1,350 |
| Average equity | $45,049,330 | 1,571 |
| Average total loans | $220,625,670 | 1,852 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 4,119 |
| Cost of funding earning assets | 0.6632% | 2,539 |
| Net interest margin | 3.3375% | 4,366 |
| Noninterest income to average assets | 0.3027% | 5,277 |
| Noninterest expense to average assets | 2.6741% | 4,171 |
| Loan and lease loss provision to assets | 0.0496% | 3,797 |
| Net operating income to assets | 0.6932% | 3,725 |
| Return on assets (ROA) | 0.7022% | 3,819 |
| Pretax return on assets | 0.7097% | 4,538 |
| Return on Equity (ROE) | 7.5307% | 3,209 |
| Retained earnings to average equity (ytd only) | 5.4285% | 2,989 |
| Net charge-offs to loans | 0.0018% | 4,130 |
| Credit loss provision to net charge-offs | 6,000.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 907.0000% | 25 |
| Efficiency ratio | 78.0918% | 2,596 |
| Assets per employee ($millions) | 4.2957% | 3,348 |
| Cash dividends to net income (ytd only)* | 27.9152% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8360% | 2,499 |
| Loan loss allowance to noncurrent loans | 541.8478% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.8469% | 4,263 |
| Noncurrent loans to loans | 0.3388% | 5,556 |
| Net loans and leases to total assets | 44.7185% | 5,589 |
| Net loans and leases to deposits | 50.2922% | 5,765 |
| Net loans and leases to core deposits | 51.9755% | 5,825 |
| Total domestic deposits to total assets | 88.9174% | 1,728 |
| Equity capital to assets | 9.5359% | 4,800 |
| Core capital (leverage) ratio | 9.0060% | 4,874 |
| Tier 1 risk-based capital ratio | 15.8492% | 3,350 |
| Total risk-based capital ratio | 17.1020% | 3,309 |
| Memoranda: | ||
| Average total assets | $483,593,500 | 1,387 |
| Average earning assets | $452,318,500 | 1,362 |
| Average equity | $45,095,500 | 1,587 |
| Average total loans | $218,351,500 | 1,880 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2820% | 4,267 |
| Cost of funding earning assets | 0.7368% | 3,194 |
| Net interest margin | 3.5452% | 4,320 |
| Noninterest income to average assets | 0.2526% | 5,658 |
| Noninterest expense to average assets | 2.6504% | 4,567 |
| Loan and lease loss provision to assets | 0.0905% | 4,560 |
| Net operating income to assets | 0.7502% | 3,514 |
| Return on assets (ROA) | 0.8244% | 3,423 |
| Pretax return on assets | 0.9198% | 3,865 |
| Return on Equity (ROE) | 8.9630% | 2,656 |
| Retained earnings to average equity (ytd only) | 6.2672% | 1,932 |
| Net charge-offs to loans | 0.0505% | 5,208 |
| Credit loss provision to net charge-offs | 380.3571% | 643 |
| Earnings coverage of net charge-offs (x) | 38.9911% | 820 |
| Efficiency ratio | 74.0692% | 3,060 |
| Assets per employee ($millions) | 4.3783% | 3,192 |
| Cash dividends to net income (ytd only)* | 30.0773% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7901% | 2,621 |
| Loan loss allowance to noncurrent loans | 405.4696% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.8710% | 4,305 |
| Noncurrent loans to loans | 0.4415% | 5,396 |
| Net loans and leases to total assets | 43.9587% | 5,821 |
| Net loans and leases to deposits | 49.1674% | 6,018 |
| Net loans and leases to core deposits | 50.6449% | 6,114 |
| Total domestic deposits to total assets | 89.4063% | 1,301 |
| Equity capital to assets | 9.1201% | 5,376 |
| Core capital (leverage) ratio | 8.8353% | 5,125 |
| Tier 1 risk-based capital ratio | 15.6458% | 3,353 |
| Total risk-based capital ratio | 16.9011% | 3,304 |
| Memoranda: | ||
| Average total assets | $470,640,800 | 1,404 |
| Average earning assets | $441,498,600 | 1,366 |
| Average equity | $43,289,200 | 1,608 |
| Average total loans | $221,936,200 | 1,823 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3673% | 4,178 |
| Cost of funding earning assets | 0.7520% | 3,337 |
| Net interest margin | 3.6153% | 4,165 |
| Noninterest income to average assets | 0.2651% | 5,656 |
| Noninterest expense to average assets | 2.7619% | 4,122 |
| Loan and lease loss provision to assets | 0.1039% | 4,274 |
| Net operating income to assets | 0.7226% | 3,812 |
| Return on assets (ROA) | 0.8011% | 3,691 |
| Pretax return on assets | 0.8795% | 4,194 |
| Return on Equity (ROE) | 8.6897% | 2,952 |
| Retained earnings to average equity (ytd only) | 6.4474% | 2,406 |
| Net charge-offs to loans | 0.0545% | 4,890 |
| Credit loss provision to net charge-offs | 398.9011% | 678 |
| Earnings coverage of net charge-offs (x) | 34.4396% | 980 |
| Efficiency ratio | 75.4792% | 2,750 |
| Assets per employee ($millions) | 4.2327% | 3,400 |
| Cash dividends to net income (ytd only)* | 25.8041% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7458% | 2,979 |
| Loan loss allowance to noncurrent loans | 754.5631% | 547 |
| Noncurrent assets plus other real estate owned to assets | 1.1315% | 4,027 |
| Noncurrent loans to loans | 0.2314% | 6,029 |
| Net loans and leases to total assets | 46.5484% | 5,707 |
| Net loans and leases to deposits | 52.1320% | 5,968 |
| Net loans and leases to core deposits | 53.7108% | 6,067 |
| Total domestic deposits to total assets | 89.2896% | 1,246 |
| Equity capital to assets | 9.4449% | 5,268 |
| Core capital (leverage) ratio | 8.8223% | 5,308 |
| Tier 1 risk-based capital ratio | 15.4744% | 3,553 |
| Total risk-based capital ratio | 16.7267% | 3,512 |
| Memoranda: | ||
| Average total assets | $465,708,750 | 1,435 |
| Average earning assets | $437,205,000 | 1,398 |
| Average equity | $42,931,000 | 1,635 |
| Average total loans | $222,548,000 | 1,836 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 4,230 |
| Cost of funding earning assets | 0.7570% | 3,544 |
| Net interest margin | 3.6313% | 4,132 |
| Noninterest income to average assets | 0.2645% | 5,688 |
| Noninterest expense to average assets | 2.7355% | 4,264 |
| Loan and lease loss provision to assets | 0.1073% | 4,184 |
| Net operating income to assets | 0.7401% | 3,644 |
| Return on assets (ROA) | 0.8390% | 3,466 |
| Pretax return on assets | 0.9377% | 3,931 |
| Return on Equity (ROE) | 9.1779% | 2,729 |
| Retained earnings to average equity (ytd only) | 6.9070% | 2,157 |
| Net charge-offs to loans | 0.0018% | 5,493 |
| Credit loss provision to net charge-offs | 12,450.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 1,084.0000% | 27 |
| Efficiency ratio | 74.5510% | 2,983 |
| Assets per employee ($millions) | 4.4400% | 3,022 |
| Cash dividends to net income (ytd only)* | 24.7433% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7338% | 3,098 |
| Loan loss allowance to noncurrent loans | 728.4906% | 542 |
| Noncurrent assets plus other real estate owned to assets | 1.2737% | 3,881 |
| Noncurrent loans to loans | 0.2380% | 6,097 |
| Net loans and leases to total assets | 46.0611% | 5,821 |
| Net loans and leases to deposits | 51.3113% | 6,072 |
| Net loans and leases to core deposits | 52.7722% | 6,180 |
| Total domestic deposits to total assets | 89.7679% | 1,063 |
| Equity capital to assets | 9.1479% | 5,527 |
| Core capital (leverage) ratio | 8.9732% | 4,949 |
| Tier 1 risk-based capital ratio | 15.2910% | 3,576 |
| Total risk-based capital ratio | 16.5446% | 3,535 |
| Memoranda: | ||
| Average total assets | $464,334,670 | 1,436 |
| Average earning assets | $435,380,670 | 1,403 |
| Average equity | $42,449,670 | 1,644 |
| Average total loans | $222,535,670 | 1,824 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4273% | 4,209 |
| Cost of funding earning assets | 0.7740% | 3,671 |
| Net interest margin | 3.6533% | 4,038 |
| Noninterest income to average assets | 0.2118% | 6,105 |
| Noninterest expense to average assets | 2.7741% | 4,146 |
| Loan and lease loss provision to assets | 0.1081% | 4,001 |
| Net operating income to assets | 0.6714% | 4,023 |
| Return on assets (ROA) | 0.8715% | 3,268 |
| Pretax return on assets | 0.9770% | 3,762 |
| Return on Equity (ROE) | 9.5364% | 2,591 |
| Retained earnings to average equity (ytd only) | 7.2477% | 2,305 |
| Net charge-offs to loans | 0.0072% | 4,637 |
| Credit loss provision to net charge-offs | 3,100.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 246.7500% | 146 |
| Efficiency ratio | 76.3309% | 2,740 |
| Assets per employee ($millions) | 4.4572% | 3,074 |
| Cash dividends to net income (ytd only)* | 24.0000% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6827% | 3,418 |
| Loan loss allowance to noncurrent loans | 660.8850% | 545 |
| Noncurrent assets plus other real estate owned to assets | 1.3440% | 3,873 |
| Noncurrent loans to loans | 0.2546% | 6,179 |
| Net loans and leases to total assets | 47.0641% | 5,678 |
| Net loans and leases to deposits | 52.6277% | 5,934 |
| Net loans and leases to core deposits | 54.0660% | 6,051 |
| Total domestic deposits to total assets | 89.4283% | 1,409 |
| Equity capital to assets | 9.1159% | 5,333 |
| Core capital (leverage) ratio | 8.9710% | 4,882 |
| Tier 1 risk-based capital ratio | 15.2688% | 3,573 |
| Total risk-based capital ratio | 16.5240% | 3,532 |
| Memoranda: | ||
| Average total assets | $458,961,000 | 1,454 |
| Average earning assets | $429,969,000 | 1,424 |
| Average equity | $41,944,500 | 1,648 |
| Average total loans | $222,459,000 | 1,837 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8338% | 3,653 |
| Cost of funding earning assets | 0.9612% | 3,636 |
| Net interest margin | 3.8726% | 3,459 |
| Noninterest income to average assets | 0.2498% | 5,745 |
| Noninterest expense to average assets | 2.9497% | 3,771 |
| Loan and lease loss provision to assets | 0.0977% | 5,371 |
| Net operating income to assets | 0.7306% | 3,332 |
| Return on assets (ROA) | 0.7560% | 3,400 |
| Pretax return on assets | 0.8234% | 3,900 |
| Return on Equity (ROE) | 8.3012% | 2,762 |
| Retained earnings to average equity (ytd only) | 6.2704% | 1,866 |
| Net charge-offs to loans | 0.1356% | 5,057 |
| Credit loss provision to net charge-offs | 134.5912% | 2,238 |
| Earnings coverage of net charge-offs (x) | 12.3050% | 1,635 |
| Efficiency ratio | 76.7512% | 2,778 |
| Assets per employee ($millions) | 4.2465% | 3,378 |
| Cash dividends to net income (ytd only)* | 24.4639% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6205% | 3,513 |
| Loan loss allowance to noncurrent loans | 672.9981% | 546 |
| Noncurrent assets plus other real estate owned to assets | 1.4836% | 3,728 |
| Noncurrent loans to loans | 0.2408% | 6,250 |
| Net loans and leases to total assets | 48.2874% | 5,796 |
| Net loans and leases to deposits | 54.3522% | 6,035 |
| Net loans and leases to core deposits | 56.0114% | 6,157 |
| Total domestic deposits to total assets | 88.8417% | 1,643 |
| Equity capital to assets | 9.1626% | 5,337 |
| Core capital (leverage) ratio | 8.6764% | 5,286 |
| Tier 1 risk-based capital ratio | 15.0624% | 3,600 |
| Total risk-based capital ratio | 16.3174% | 3,560 |
| Memoranda: | ||
| Average total assets | $437,943,600 | 1,491 |
| Average earning assets | $406,366,000 | 1,464 |
| Average equity | $39,885,800 | 1,693 |
| Average total loans | $234,518,400 | 1,783 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8892% | 3,612 |
| Cost of funding earning assets | 0.9950% | 3,715 |
| Net interest margin | 3.8942% | 3,406 |
| Noninterest income to average assets | 0.3150% | 5,345 |
| Noninterest expense to average assets | 3.0822% | 3,227 |
| Loan and lease loss provision to assets | 0.0873% | 5,351 |
| Net operating income to assets | 0.6813% | 3,707 |
| Return on assets (ROA) | 0.7152% | 3,708 |
| Pretax return on assets | 0.7889% | 4,174 |
| Return on Equity (ROE) | 7.8648% | 3,100 |
| Retained earnings to average equity (ytd only) | 6.3912% | 2,302 |
| Net charge-offs to loans | 0.1949% | 4,243 |
| Credit loss provision to net charge-offs | 81.8444% | 4,082 |
| Earnings coverage of net charge-offs (x) | 7.8674% | 2,280 |
| Efficiency ratio | 78.6033% | 2,459 |
| Assets per employee ($millions) | 4.4204% | 3,050 |
| Cash dividends to net income (ytd only)* | 18.7366% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 4,045 |
| Loan loss allowance to noncurrent loans | 405.6604% | 793 |
| Noncurrent assets plus other real estate owned to assets | 2.4033% | 2,680 |
| Noncurrent loans to loans | 0.3724% | 6,105 |
| Net loans and leases to total assets | 49.7441% | 5,742 |
| Net loans and leases to deposits | 55.9137% | 6,043 |
| Net loans and leases to core deposits | 57.5930% | 6,162 |
| Total domestic deposits to total assets | 88.9658% | 1,449 |
| Equity capital to assets | 9.1140% | 5,624 |
| Core capital (leverage) ratio | 8.8576% | 5,171 |
| Tier 1 risk-based capital ratio | 14.3399% | 4,099 |
| Total risk-based capital ratio | 15.5886% | 4,061 |
| Memoranda: | ||
| Average total assets | $433,836,750 | 1,511 |
| Average earning assets | $401,744,750 | 1,499 |
| Average equity | $39,449,250 | 1,718 |
| Average total loans | $237,393,500 | 1,779 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9534% | 3,386 |
| Cost of funding earning assets | 1.0265% | 3,771 |
| Net interest margin | 3.9269% | 3,184 |
| Noninterest income to average assets | 0.2835% | 5,611 |
| Noninterest expense to average assets | 3.1143% | 3,200 |
| Loan and lease loss provision to assets | 0.0883% | 5,211 |
| Net operating income to assets | 0.6722% | 3,678 |
| Return on assets (ROA) | 0.6722% | 3,797 |
| Pretax return on assets | 0.7156% | 4,334 |
| Return on Equity (ROE) | 7.3982% | 3,240 |
| Retained earnings to average equity (ytd only) | 6.1952% | 2,301 |
| Net charge-offs to loans | 0.1721% | 4,142 |
| Credit loss provision to net charge-offs | 91.3043% | 3,418 |
| Earnings coverage of net charge-offs (x) | 8.3140% | 2,079 |
| Efficiency ratio | 79.4826% | 2,467 |
| Assets per employee ($millions) | 4.0967% | 3,554 |
| Cash dividends to net income (ytd only)* | 16.2613% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 4,234 |
| Loan loss allowance to noncurrent loans | 74.1071% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 2.6863% | 2,489 |
| Noncurrent loans to loans | 1.9924% | 3,493 |
| Net loans and leases to total assets | 53.0648% | 5,423 |
| Net loans and leases to deposits | 59.4327% | 5,785 |
| Net loans and leases to core deposits | 61.0649% | 5,995 |
| Total domestic deposits to total assets | 89.2856% | 1,368 |
| Equity capital to assets | 9.0758% | 5,472 |
| Core capital (leverage) ratio | 9.0751% | 4,610 |
| Tier 1 risk-based capital ratio | 13.8815% | 4,249 |
| Total risk-based capital ratio | 15.1350% | 4,217 |
| Memoranda: | ||
| Average total assets | $428,155,670 | 1,542 |
| Average earning assets | $396,295,000 | 1,527 |
| Average equity | $38,901,330 | 1,723 |
| Average total loans | $240,616,000 | 1,770 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0480% | 2,871 |
| Cost of funding earning assets | 1.0684% | 3,729 |
| Net interest margin | 3.9796% | 2,775 |
| Noninterest income to average assets | 0.2723% | 5,728 |
| Noninterest expense to average assets | 3.1636% | 3,016 |
| Loan and lease loss provision to assets | 0.0898% | 4,892 |
| Net operating income to assets | 0.6552% | 3,724 |
| Return on assets (ROA) | 0.6552% | 3,801 |
| Pretax return on assets | 0.6921% | 4,334 |
| Return on Equity (ROE) | 7.2074% | 3,291 |
| Retained earnings to average equity (ytd only) | 6.8746% | 2,201 |
| Net charge-offs to loans | 0.3739% | 2,570 |
| Credit loss provision to net charge-offs | 41.8502% | 3,908 |
| Earnings coverage of net charge-offs (x) | 3.6432% | 2,683 |
| Efficiency ratio | 80.1821% | 2,496 |
| Assets per employee ($millions) | 3.8558% | 4,168 |
| Cash dividends to net income (ytd only)* | 4.6176% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 4,641 |
| Loan loss allowance to noncurrent loans | 134.0755% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 2.1149% | 3,168 |
| Noncurrent loans to loans | 1.0481% | 4,957 |
| Net loans and leases to total assets | 55.7819% | 5,026 |
| Net loans and leases to deposits | 62.3728% | 5,458 |
| Net loans and leases to core deposits | 64.1191% | 5,712 |
| Total domestic deposits to total assets | 89.4330% | 1,512 |
| Equity capital to assets | 9.1903% | 4,884 |
| Core capital (leverage) ratio | 9.0438% | 4,546 |
| Tier 1 risk-based capital ratio | 13.5606% | 4,386 |
| Total risk-based capital ratio | 14.7691% | 4,381 |
| Memoranda: | ||
| Average total assets | $423,062,000 | 1,574 |
| Average earning assets | $390,493,500 | 1,551 |
| Average equity | $38,460,500 | 1,733 |
| Average total loans | $242,878,000 | 1,773 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3647% | 2,834 |
| Cost of funding earning assets | 1.4080% | 3,210 |
| Net interest margin | 3.9567% | 3,232 |
| Noninterest income to average assets | 0.1490% | 6,644 |
| Noninterest expense to average assets | 3.0315% | 3,726 |
| Loan and lease loss provision to assets | 0.0884% | 6,267 |
| Net operating income to assets | 0.5579% | 3,861 |
| Return on assets (ROA) | 0.6320% | 3,682 |
| Pretax return on assets | 0.7263% | 3,884 |
| Return on Equity (ROE) | 7.2393% | 3,010 |
| Retained earnings to average equity (ytd only) | 6.6612% | 1,473 |
| Net charge-offs to loans | 0.2945% | 4,547 |
| Credit loss provision to net charge-offs | 49.4071% | 6,267 |
| Earnings coverage of net charge-offs (x) | 4.0764% | 3,079 |
| Efficiency ratio | 80.6019% | 2,333 |
| Assets per employee ($millions) | 3.9072% | 3,987 |
| Cash dividends to net income (ytd only)* | 7.9851% | 3,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 4,397 |
| Loan loss allowance to noncurrent loans | 429.9387% | 723 |
| Noncurrent assets plus other real estate owned to assets | 2.2119% | 3,080 |
| Noncurrent loans to loans | 0.3316% | 6,391 |
| Net loans and leases to total assets | 57.4161% | 5,126 |
| Net loans and leases to deposits | 64.5675% | 5,562 |
| Net loans and leases to core deposits | 66.6074% | 5,820 |
| Total domestic deposits to total assets | 88.9241% | 1,702 |
| Equity capital to assets | 8.9912% | 5,152 |
| Core capital (leverage) ratio | 8.7107% | 4,999 |
| Tier 1 risk-based capital ratio | 12.8768% | 4,702 |
| Total risk-based capital ratio | 14.0906% | 4,705 |
| Memoranda: | ||
| Average total assets | $424,082,000 | 1,568 |
| Average earning assets | $387,143,800 | 1,558 |
| Average equity | $37,020,400 | 1,790 |
| Average total loans | $257,704,800 | 1,718 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3677% | 3,041 |
| Cost of funding earning assets | 1.4775% | 3,104 |
| Net interest margin | 3.8902% | 3,572 |
| Noninterest income to average assets | 0.2317% | 6,234 |
| Noninterest expense to average assets | 3.1153% | 3,265 |
| Loan and lease loss provision to assets | 0.0691% | 6,373 |
| Net operating income to assets | 0.5165% | 4,233 |
| Return on assets (ROA) | 0.6151% | 3,986 |
| Pretax return on assets | 0.7093% | 4,197 |
| Return on Equity (ROE) | 7.0995% | 3,300 |
| Retained earnings to average equity (ytd only) | 6.4545% | 2,116 |
| Net charge-offs to loans | 0.3192% | 4,062 |
| Credit loss provision to net charge-offs | 35.2564% | 6,091 |
| Earnings coverage of net charge-offs (x) | 3.3942% | 3,473 |
| Efficiency ratio | 82.4072% | 2,017 |
| Assets per employee ($millions) | 4.0876% | 3,669 |
| Cash dividends to net income (ytd only)* | 9.0864% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 4,531 |
| Loan loss allowance to noncurrent loans | 101.7523% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 3.1200% | 2,316 |
| Noncurrent loans to loans | 1.3642% | 4,582 |
| Net loans and leases to total assets | 57.6663% | 5,306 |
| Net loans and leases to deposits | 64.2156% | 5,890 |
| Net loans and leases to core deposits | 66.0286% | 6,123 |
| Total domestic deposits to total assets | 89.8011% | 965 |
| Equity capital to assets | 8.7872% | 5,877 |
| Core capital (leverage) ratio | 8.4334% | 5,634 |
| Tier 1 risk-based capital ratio | 12.3851% | 5,085 |
| Total risk-based capital ratio | 13.5676% | 5,140 |
| Memoranda: | ||
| Average total assets | $424,607,250 | 1,592 |
| Average earning assets | $387,319,000 | 1,579 |
| Average equity | $36,790,250 | 1,817 |
| Average total loans | $260,683,750 | 1,724 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3966% | 2,989 |
| Cost of funding earning assets | 1.5348% | 3,037 |
| Net interest margin | 3.8618% | 3,627 |
| Noninterest income to average assets | 0.2836% | 5,871 |
| Noninterest expense to average assets | 3.1214% | 3,213 |
| Loan and lease loss provision to assets | 0.0567% | 6,388 |
| Net operating income to assets | 0.5407% | 4,142 |
| Return on assets (ROA) | 0.6041% | 3,998 |
| Pretax return on assets | 0.7105% | 4,198 |
| Return on Equity (ROE) | 7.0062% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.0062% | 1,826 |
| Net charge-offs to loans | 0.0349% | 5,866 |
| Credit loss provision to net charge-offs | 260.8696% | 1,456 |
| Earnings coverage of net charge-offs (x) | 31.8478% | 882 |
| Efficiency ratio | 81.8418% | 2,191 |
| Assets per employee ($millions) | 3.9144% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 3,759 |
| Loan loss allowance to noncurrent loans | 44.2336% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 3.3105% | 2,131 |
| Noncurrent loans to loans | 3.4626% | 2,291 |
| Net loans and leases to total assets | 58.6244% | 5,309 |
| Net loans and leases to deposits | 65.0751% | 5,909 |
| Net loans and leases to core deposits | 67.0509% | 6,148 |
| Total domestic deposits to total assets | 90.0873% | 884 |
| Equity capital to assets | 8.5559% | 6,094 |
| Core capital (leverage) ratio | 8.3635% | 5,643 |
| Tier 1 risk-based capital ratio | 12.0262% | 5,287 |
| Total risk-based capital ratio | 13.2534% | 5,276 |
| Memoranda: | ||
| Average total assets | $423,075,670 | 1,612 |
| Average earning assets | $386,765,330 | 1,600 |
| Average equity | $36,482,000 | 1,822 |
| Average total loans | $263,915,330 | 1,724 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4770% | 2,704 |
| Cost of funding earning assets | 1.6097% | 2,900 |
| Net interest margin | 3.8673% | 3,474 |
| Noninterest income to average assets | 0.2856% | 5,856 |
| Noninterest expense to average assets | 3.1061% | 3,240 |
| Loan and lease loss provision to assets | 0.0575% | 6,083 |
| Net operating income to assets | 0.5539% | 4,119 |
| Return on assets (ROA) | 0.5539% | 4,258 |
| Pretax return on assets | 0.6402% | 4,449 |
| Return on Equity (ROE) | 6.3981% | 3,671 |
| Retained earnings to average equity (ytd only) | 6.3981% | 2,414 |
| Net charge-offs to loans | 0.0585% | 4,828 |
| Credit loss provision to net charge-offs | 153.8462% | 2,328 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,229 |
| Efficiency ratio | 81.6578% | 2,322 |
| Assets per employee ($millions) | 3.8634% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 4,099 |
| Loan loss allowance to noncurrent loans | 261.1222% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 1.5378% | 4,199 |
| Noncurrent loans to loans | 0.5612% | 6,176 |
| Net loans and leases to total assets | 61.8467% | 4,793 |
| Net loans and leases to deposits | 68.8271% | 5,492 |
| Net loans and leases to core deposits | 70.3552% | 5,885 |
| Total domestic deposits to total assets | 89.8581% | 1,065 |
| Equity capital to assets | 8.6079% | 5,859 |
| Core capital (leverage) ratio | 8.5889% | 5,222 |
| Tier 1 risk-based capital ratio | 11.5860% | 5,587 |
| Total risk-based capital ratio | 12.8396% | 5,558 |
| Memoranda: | ||
| Average total assets | $417,367,000 | 1,669 |
| Average earning assets | $379,695,000 | 1,666 |
| Average equity | $36,135,500 | 1,858 |
| Average total loans | $266,532,500 | 1,765 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7298% | 2,959 |
| Cost of funding earning assets | 1.9951% | 2,984 |
| Net interest margin | 3.7347% | 3,978 |
| Noninterest income to average assets | 0.2346% | 6,432 |
| Noninterest expense to average assets | 3.0088% | 4,109 |
| Loan and lease loss provision to assets | 0.1593% | 6,087 |
| Net operating income to assets | 0.3939% | 4,151 |
| Return on assets (ROA) | 0.4149% | 4,177 |
| Pretax return on assets | 0.4700% | 4,285 |
| Return on Equity (ROE) | 4.8835% | 3,718 |
| Retained earnings to average equity (ytd only) | 4.4260% | 2,147 |
| Net charge-offs to loans | 0.3269% | 4,603 |
| Credit loss provision to net charge-offs | 70.0855% | 6,491 |
| Earnings coverage of net charge-offs (x) | 2.6635% | 3,780 |
| Efficiency ratio | 83.2460% | 2,447 |
| Assets per employee ($millions) | 3.7251% | 4,461 |
| Cash dividends to net income (ytd only)* | 9.3677% | 3,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 3,926 |
| Loan loss allowance to noncurrent loans | 421.6920% | 792 |
| Noncurrent assets plus other real estate owned to assets | 1.9321% | 3,481 |
| Noncurrent loans to loans | 0.3462% | 6,588 |
| Net loans and leases to total assets | 64.0461% | 4,587 |
| Net loans and leases to deposits | 71.6901% | 5,371 |
| Net loans and leases to core deposits | 90.4737% | 5,071 |
| Total domestic deposits to total assets | 89.3375% | 1,308 |
| Equity capital to assets | 8.7099% | 5,569 |
| Core capital (leverage) ratio | 8.4758% | 5,312 |
| Tier 1 risk-based capital ratio | 11.4610% | 5,442 |
| Total risk-based capital ratio | 12.7115% | 5,400 |
| Memoranda: | ||
| Average total assets | $411,691,400 | 1,675 |
| Average earning assets | $372,561,200 | 1,688 |
| Average equity | $34,975,000 | 1,922 |
| Average total loans | $286,296,800 | 1,674 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7561% | 3,079 |
| Cost of funding earning assets | 2.0659% | 3,048 |
| Net interest margin | 3.6902% | 4,112 |
| Noninterest income to average assets | 0.3963% | 5,318 |
| Noninterest expense to average assets | 3.0087% | 4,015 |
| Loan and lease loss provision to assets | 0.1621% | 5,731 |
| Net operating income to assets | 0.4612% | 4,156 |
| Return on assets (ROA) | 0.4872% | 4,137 |
| Pretax return on assets | 0.5923% | 4,204 |
| Return on Equity (ROE) | 5.7706% | 3,619 |
| Retained earnings to average equity (ytd only) | 5.1537% | 2,402 |
| Net charge-offs to loans | 0.4879% | 3,275 |
| Credit loss provision to net charge-offs | 46.9981% | 6,356 |
| Earnings coverage of net charge-offs (x) | 2.0957% | 4,252 |
| Efficiency ratio | 80.6329% | 2,753 |
| Assets per employee ($millions) | 3.8359% | 4,111 |
| Cash dividends to net income (ytd only)* | 10.6905% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 4,394 |
| Loan loss allowance to noncurrent loans | 170.2741% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 2.7361% | 2,541 |
| Noncurrent loans to loans | 0.7737% | 5,750 |
| Net loans and leases to total assets | 66.3790% | 4,334 |
| Net loans and leases to deposits | 73.8454% | 5,382 |
| Net loans and leases to core deposits | 93.6840% | 5,049 |
| Total domestic deposits to total assets | 89.8892% | 812 |
| Equity capital to assets | 8.7680% | 5,855 |
| Core capital (leverage) ratio | 8.3968% | 5,664 |
| Tier 1 risk-based capital ratio | 11.1493% | 5,814 |
| Total risk-based capital ratio | 12.3135% | 5,841 |
| Memoranda: | ||
| Average total assets | $412,173,250 | 1,693 |
| Average earning assets | $372,513,000 | 1,700 |
| Average equity | $34,796,250 | 1,951 |
| Average total loans | $291,289,500 | 1,668 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7896% | 3,097 |
| Cost of funding earning assets | 2.1057% | 3,237 |
| Net interest margin | 3.6840% | 4,023 |
| Noninterest income to average assets | 0.3628% | 5,612 |
| Noninterest expense to average assets | 2.9505% | 4,286 |
| Loan and lease loss provision to assets | 0.1696% | 5,371 |
| Net operating income to assets | 0.4602% | 4,252 |
| Return on assets (ROA) | 0.4985% | 4,221 |
| Pretax return on assets | 0.6140% | 4,288 |
| Return on Equity (ROE) | 5.9806% | 3,658 |
| Retained earnings to average equity (ytd only) | 5.0476% | 2,480 |
| Net charge-offs to loans | 0.5316% | 2,732 |
| Credit loss provision to net charge-offs | 44.4304% | 5,839 |
| Earnings coverage of net charge-offs (x) | 1.9291% | 4,137 |
| Efficiency ratio | 80.0314% | 3,037 |
| Assets per employee ($millions) | 3.9921% | 3,693 |
| Cash dividends to net income (ytd only)* | 15.6008% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 4,344 |
| Loan loss allowance to noncurrent loans | 82.0462% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 3.2181% | 1,948 |
| Noncurrent loans to loans | 1.5690% | 4,147 |
| Net loans and leases to total assets | 68.8736% | 3,977 |
| Net loans and leases to deposits | 76.5506% | 5,093 |
| Net loans and leases to core deposits | 97.9670% | 4,704 |
| Total domestic deposits to total assets | 89.9714% | 848 |
| Equity capital to assets | 8.4038% | 6,186 |
| Core capital (leverage) ratio | 8.2436% | 5,897 |
| Tier 1 risk-based capital ratio | 10.4876% | 6,390 |
| Total risk-based capital ratio | 11.6367% | 6,433 |
| Memoranda: | ||
| Average total assets | $414,030,000 | 1,702 |
| Average earning assets | $373,565,000 | 1,726 |
| Average equity | $34,511,330 | 1,966 |
| Average total loans | $297,218,670 | 1,669 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8272% | 3,160 |
| Cost of funding earning assets | 2.1587% | 3,374 |
| Net interest margin | 3.6684% | 4,029 |
| Noninterest income to average assets | 0.2593% | 6,374 |
| Noninterest expense to average assets | 2.8298% | 4,427 |
| Loan and lease loss provision to assets | 0.1945% | 4,494 |
| Net operating income to assets | 0.4412% | 4,688 |
| Return on assets (ROA) | 0.4412% | 4,859 |
| Pretax return on assets | 0.5379% | 4,955 |
| Return on Equity (ROE) | 5.3145% | 4,324 |
| Retained earnings to average equity (ytd only) | 3.9742% | 3,689 |
| Net charge-offs to loans | 0.7867% | 1,638 |
| Credit loss provision to net charge-offs | 33.9527% | 4,902 |
| Earnings coverage of net charge-offs (x) | 1.2787% | 4,099 |
| Efficiency ratio | 79.4405% | 2,919 |
| Assets per employee ($millions) | 3.9000% | 3,875 |
| Cash dividends to net income (ytd only)* | 25.2193% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 4,270 |
| Loan loss allowance to noncurrent loans | 98.1039% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 4.5133% | 1,064 |
| Noncurrent loans to loans | 1.2952% | 4,386 |
| Net loans and leases to total assets | 71.6684% | 3,309 |
| Net loans and leases to deposits | 79.4923% | 4,692 |
| Net loans and leases to core deposits | 101.7989% | 4,369 |
| Total domestic deposits to total assets | 90.1577% | 725 |
| Equity capital to assets | 8.4489% | 6,153 |
| Core capital (leverage) ratio | 8.1306% | 6,228 |
| Tier 1 risk-based capital ratio | 9.8682% | 7,066 |
| Total risk-based capital ratio | 10.9805% | 7,131 |
| Memoranda: | ||
| Average total assets | $413,454,500 | 1,715 |
| Average earning assets | $372,256,500 | 1,743 |
| Average equity | $34,321,500 | 1,983 |
| Average total loans | $300,988,500 | 1,662 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4961% | 2,975 |
| Cost of funding earning assets | 2.6740% | 3,298 |
| Net interest margin | 3.8221% | 3,928 |
| Noninterest income to average assets | 0.3706% | 5,736 |
| Noninterest expense to average assets | 3.0804% | 3,781 |
| Loan and lease loss provision to assets | 0.6406% | 2,270 |
| Net operating income to assets | 0.1546% | 5,974 |
| Return on assets (ROA) | 0.1831% | 5,736 |
| Pretax return on assets | 0.1563% | 5,829 |
| Return on Equity (ROE) | 2.2742% | 5,511 |
| Retained earnings to average equity (ytd only) | -2.8240% | 6,062 |
| Net charge-offs to loans | 0.6248% | 1,968 |
| Credit loss provision to net charge-offs | 144.3839% | 3,660 |
| Earnings coverage of net charge-offs (x) | 1.7317% | 5,210 |
| Efficiency ratio | 80.0377% | 2,599 |
| Assets per employee ($millions) | 3.9754% | 3,576 |
| Cash dividends to net income (ytd only)* | 224.1744% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 3,371 |
| Loan loss allowance to noncurrent loans | 56.1952% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 3.9273% | 1,063 |
| Noncurrent loans to loans | 2.4340% | 2,253 |
| Net loans and leases to total assets | 72.0037% | 3,582 |
| Net loans and leases to deposits | 81.1998% | 4,841 |
| Net loans and leases to core deposits | 103.6447% | 4,428 |
| Total domestic deposits to total assets | 88.6747% | 1,168 |
| Equity capital to assets | 8.1562% | 6,622 |
| Core capital (leverage) ratio | 7.7680% | 6,846 |
| Tier 1 risk-based capital ratio | 9.6029% | 7,208 |
| Total risk-based capital ratio | 10.8099% | 7,150 |
| Memoranda: | ||
| Average total assets | $413,394,200 | 1,645 |
| Average earning assets | $376,180,400 | 1,649 |
| Average equity | $33,286,200 | 2,029 |
| Average total loans | $293,555,400 | 1,644 |