Home > Access National Bank > Performance and Condition Ratios
Access National Bank, Performance and Condition Ratios
| 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 | 4.3997% | 2,759 |
| Cost of funding earning assets | 0.7115% | 2,015 |
| Net interest margin | 3.6881% | 3,082 |
| Noninterest income to average assets | 0.8213% | 1,392 |
| Noninterest expense to average assets | 2.4253% | 3,815 |
| Loan and lease loss provision to assets | 0.1231% | 1,791 |
| Net operating income to assets | 1.2563% | 1,956 |
| Return on assets (ROA) | 1.2550% | 1,955 |
| Pretax return on assets | 1.5281% | 1,685 |
| Return on Equity (ROE) | 8.9307% | 3,029 |
| Retained earnings to average equity (ytd only) | 6.0596% | 2,162 |
| Net charge-offs to loans | 0.0594% | 2,291 |
| Credit loss provision to net charge-offs | 293.8010% | 1,044 |
| Earnings coverage of net charge-offs (x) | 39.4625% | 1,325 |
| Efficiency ratio | 57.0056% | 4,282 |
| Assets per employee ($millions) | 8.4203% | 576 |
| Cash dividends to net income (ytd only)* | 32.1483% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8279% | 4,440 |
| Loan loss allowance to noncurrent loans | 256.2870% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 3,574 |
| Noncurrent loans to loans | 0.3230% | 3,395 |
| Net loans and leases to total assets | 71.8435% | 2,289 |
| Net loans and leases to deposits | 95.1521% | 1,156 |
| Net loans and leases to core deposits | 105.4007% | 1,312 |
| Total domestic deposits to total assets | 75.5039% | 4,810 |
| Equity capital to assets | 13.9876% | 974 |
| Core capital (leverage) ratio | 8.9480% | 4,698 |
| Tier 1 risk-based capital ratio | 10.5381% | 5,166 |
| Total risk-based capital ratio | 11.3436% | 5,232 |
| Memoranda: | ||
| Average total assets | $2,927,247,600 | 327 |
| Average earning assets | $2,584,878,200 | 331 |
| Average equity | $411,346,800 | 276 |
| Average total loans | $2,065,648,400 | 322 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3371% | 2,825 |
| Cost of funding earning assets | 0.6562% | 2,116 |
| Net interest margin | 3.6809% | 3,084 |
| Noninterest income to average assets | 0.8758% | 1,262 |
| Noninterest expense to average assets | 2.5185% | 3,531 |
| Loan and lease loss provision to assets | 0.0966% | 2,048 |
| Net operating income to assets | 1.2272% | 2,135 |
| Return on assets (ROA) | 1.2254% | 2,142 |
| Pretax return on assets | 1.5046% | 1,884 |
| Return on Equity (ROE) | 8.7096% | 3,235 |
| Retained earnings to average equity (ytd only) | 6.1586% | 2,574 |
| Net charge-offs to loans | 0.0366% | 2,348 |
| Credit loss provision to net charge-offs | 376.7025% | 856 |
| Earnings coverage of net charge-offs (x) | 62.5270% | 1,033 |
| Efficiency ratio | 58.6139% | 4,021 |
| Assets per employee ($millions) | 8.3000% | 566 |
| Cash dividends to net income (ytd only)* | 29.2904% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8142% | 4,563 |
| Loan loss allowance to noncurrent loans | 313.7819% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 3,920 |
| Noncurrent loans to loans | 0.2595% | 3,759 |
| Net loans and leases to total assets | 70.1491% | 2,621 |
| Net loans and leases to deposits | 91.1240% | 1,739 |
| Net loans and leases to core deposits | 100.7359% | 1,720 |
| Total domestic deposits to total assets | 76.9821% | 4,647 |
| Equity capital to assets | 13.7408% | 1,043 |
| Core capital (leverage) ratio | 8.8118% | 4,877 |
| Tier 1 risk-based capital ratio | 10.6578% | 5,190 |
| Total risk-based capital ratio | 11.4578% | 5,258 |
| Memoranda: | ||
| Average total assets | $2,901,228,750 | 328 |
| Average earning assets | $2,558,536,750 | 332 |
| Average equity | $408,181,000 | 275 |
| Average total loans | $2,033,062,750 | 324 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 2,858 |
| Cost of funding earning assets | 0.5894% | 2,295 |
| Net interest margin | 3.6836% | 2,995 |
| Noninterest income to average assets | 0.8851% | 1,225 |
| Noninterest expense to average assets | 2.6019% | 3,320 |
| Loan and lease loss provision to assets | 0.0979% | 1,979 |
| Net operating income to assets | 1.1628% | 2,337 |
| Return on assets (ROA) | 1.1628% | 2,343 |
| Pretax return on assets | 1.4257% | 2,066 |
| Return on Equity (ROE) | 8.1981% | 3,418 |
| Retained earnings to average equity (ytd only) | 6.3174% | 2,406 |
| Net charge-offs to loans | 0.0664% | 1,677 |
| Credit loss provision to net charge-offs | 211.1446% | 1,256 |
| Earnings coverage of net charge-offs (x) | 32.8584% | 1,426 |
| Efficiency ratio | 60.5007% | 3,860 |
| Assets per employee ($millions) | 7.4472% | 778 |
| Cash dividends to net income (ytd only)* | 22.9402% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8127% | 4,651 |
| Loan loss allowance to noncurrent loans | 1,076.3175% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 4,401 |
| Noncurrent loans to loans | 0.0755% | 4,584 |
| Net loans and leases to total assets | 69.3374% | 2,673 |
| Net loans and leases to deposits | 94.0326% | 1,357 |
| Net loans and leases to core deposits | 102.8666% | 1,500 |
| Total domestic deposits to total assets | 73.7376% | 5,068 |
| Equity capital to assets | 14.0793% | 911 |
| Core capital (leverage) ratio | 8.9078% | 4,776 |
| Tier 1 risk-based capital ratio | 10.9914% | 5,055 |
| Total risk-based capital ratio | 11.7587% | 5,164 |
| Memoranda: | ||
| Average total assets | $2,864,006,000 | 331 |
| Average earning assets | $2,519,359,000 | 337 |
| Average equity | $406,242,670 | 272 |
| Average total loans | $2,000,460,330 | 324 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2618% | 2,664 |
| Cost of funding earning assets | 0.5276% | 2,561 |
| Net interest margin | 3.7342% | 2,672 |
| Noninterest income to average assets | 0.8583% | 1,269 |
| Noninterest expense to average assets | 2.6094% | 3,313 |
| Loan and lease loss provision to assets | 0.1056% | 1,760 |
| Net operating income to assets | 1.1656% | 2,155 |
| Return on assets (ROA) | 1.1656% | 2,166 |
| Pretax return on assets | 1.4266% | 1,911 |
| Return on Equity (ROE) | 8.1864% | 3,304 |
| Retained earnings to average equity (ytd only) | 8.1864% | 1,773 |
| Net charge-offs to loans | 0.1265% | 1,038 |
| Credit loss provision to net charge-offs | 119.6172% | 1,380 |
| Earnings coverage of net charge-offs (x) | 17.3509% | 1,587 |
| Efficiency ratio | 60.2734% | 4,027 |
| Assets per employee ($millions) | 7.4319% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8148% | 4,746 |
| Loan loss allowance to noncurrent loans | 310.4268% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 3,878 |
| Noncurrent loans to loans | 0.2625% | 3,824 |
| Net loans and leases to total assets | 68.6579% | 2,681 |
| Net loans and leases to deposits | 87.6302% | 1,978 |
| Net loans and leases to core deposits | 98.1974% | 1,822 |
| Total domestic deposits to total assets | 78.3495% | 4,674 |
| Equity capital to assets | 14.3916% | 799 |
| Core capital (leverage) ratio | 8.7054% | 4,986 |
| Tier 1 risk-based capital ratio | 11.4180% | 4,904 |
| Total risk-based capital ratio | 12.2877% | 5,012 |
| Memoranda: | ||
| Average total assets | $2,840,076,500 | 330 |
| Average earning assets | $2,497,167,000 | 342 |
| Average equity | $404,379,000 | 277 |
| Average total loans | $1,982,913,500 | 329 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7033% | 1,188 |
| Cost of funding earning assets | 0.5396% | 2,035 |
| Net interest margin | 4.1637% | 1,269 |
| Noninterest income to average assets | 1.2659% | 664 |
| Noninterest expense to average assets | 3.1316% | 1,770 |
| Loan and lease loss provision to assets | 0.3067% | 560 |
| Net operating income to assets | 0.9592% | 2,406 |
| Return on assets (ROA) | 0.9591% | 2,444 |
| Pretax return on assets | 1.5742% | 1,367 |
| Return on Equity (ROE) | 7.9560% | 2,813 |
| Retained earnings to average equity (ytd only) | 6.3013% | 1,380 |
| Net charge-offs to loans | 0.4362% | 559 |
| Credit loss provision to net charge-offs | 97.1360% | 2,658 |
| Earnings coverage of net charge-offs (x) | 5.9570% | 3,246 |
| Efficiency ratio | 59.0265% | 4,409 |
| Assets per employee ($millions) | 7.4182% | 803 |
| Cash dividends to net income (ytd only)* | 20.7977% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7859% | 4,868 |
| Loan loss allowance to noncurrent loans | 326.5964% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 4,176 |
| Noncurrent loans to loans | 0.2406% | 3,940 |
| Net loans and leases to total assets | 69.8561% | 2,539 |
| Net loans and leases to deposits | 88.7426% | 1,931 |
| Net loans and leases to core deposits | 101.4509% | 1,592 |
| Total domestic deposits to total assets | 78.7177% | 4,603 |
| Equity capital to assets | 14.0868% | 879 |
| Core capital (leverage) ratio | 8.5071% | 5,131 |
| Tier 1 risk-based capital ratio | 10.8223% | 5,250 |
| Total risk-based capital ratio | 11.6640% | 5,314 |
| Memoranda: | ||
| Average total assets | $2,255,881,600 | 373 |
| Average earning assets | $2,029,937,800 | 371 |
| Average equity | $271,958,000 | 349 |
| Average total loans | $1,632,912,800 | 368 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7735% | 977 |
| Cost of funding earning assets | 0.5463% | 1,922 |
| Net interest margin | 4.2271% | 1,092 |
| Noninterest income to average assets | 1.3311% | 590 |
| Noninterest expense to average assets | 3.3324% | 1,276 |
| Loan and lease loss provision to assets | 0.2026% | 934 |
| Net operating income to assets | 1.1438% | 1,899 |
| Return on assets (ROA) | 1.1437% | 1,952 |
| Pretax return on assets | 1.6298% | 1,315 |
| Return on Equity (ROE) | 10.0618% | 2,107 |
| Retained earnings to average equity (ytd only) | 7.5553% | 1,408 |
| Net charge-offs to loans | 0.3047% | 690 |
| Credit loss provision to net charge-offs | 91.0125% | 2,448 |
| Earnings coverage of net charge-offs (x) | 8.2315% | 2,807 |
| Efficiency ratio | 60.6786% | 4,094 |
| Assets per employee ($millions) | 6.8275% | 1,018 |
| Cash dividends to net income (ytd only)* | 24.9114% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7862% | 4,925 |
| Loan loss allowance to noncurrent loans | 278.0790% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 3,980 |
| Noncurrent loans to loans | 0.2827% | 3,937 |
| Net loans and leases to total assets | 69.8877% | 2,575 |
| Net loans and leases to deposits | 86.0382% | 2,285 |
| Net loans and leases to core deposits | 100.4610% | 1,666 |
| Total domestic deposits to total assets | 81.2287% | 3,988 |
| Equity capital to assets | 13.0772% | 1,346 |
| Core capital (leverage) ratio | 8.2676% | 5,385 |
| Tier 1 risk-based capital ratio | 10.8134% | 5,340 |
| Total risk-based capital ratio | 11.5977% | 5,434 |
| Memoranda: | ||
| Average total assets | $2,105,847,500 | 391 |
| Average earning assets | $1,909,876,500 | 390 |
| Average equity | $239,367,250 | 389 |
| Average total loans | $1,538,414,000 | 388 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7573% | 952 |
| Cost of funding earning assets | 0.5532% | 1,760 |
| Net interest margin | 4.2041% | 1,069 |
| Noninterest income to average assets | 1.4689% | 499 |
| Noninterest expense to average assets | 3.3894% | 1,198 |
| Loan and lease loss provision to assets | 0.2469% | 679 |
| Net operating income to assets | 1.1470% | 1,792 |
| Return on assets (ROA) | 1.1470% | 1,841 |
| Pretax return on assets | 1.6921% | 1,076 |
| Return on Equity (ROE) | 10.9238% | 1,675 |
| Retained earnings to average equity (ytd only) | 8.8793% | 876 |
| Net charge-offs to loans | 0.5248% | 369 |
| Credit loss provision to net charge-offs | 63.2389% | 2,438 |
| Earnings coverage of net charge-offs (x) | 4.9670% | 2,869 |
| Efficiency ratio | 61.9443% | 3,993 |
| Assets per employee ($millions) | 6.5837% | 1,109 |
| Cash dividends to net income (ytd only)* | 18.7161% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7473% | 5,091 |
| Loan loss allowance to noncurrent loans | 208.4245% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 3,837 |
| Noncurrent loans to loans | 0.3585% | 3,745 |
| Net loans and leases to total assets | 70.6392% | 2,422 |
| Net loans and leases to deposits | 88.5302% | 1,922 |
| Net loans and leases to core deposits | 105.4777% | 1,267 |
| Total domestic deposits to total assets | 79.7911% | 4,456 |
| Equity capital to assets | 13.2694% | 1,242 |
| Core capital (leverage) ratio | 8.4666% | 5,240 |
| Tier 1 risk-based capital ratio | 10.6644% | 5,396 |
| Total risk-based capital ratio | 11.4105% | 5,528 |
| Memoranda: | ||
| Average total assets | $1,863,328,330 | 438 |
| Average earning assets | $1,710,624,670 | 436 |
| Average equity | $195,646,670 | 446 |
| Average total loans | $1,385,920,670 | 414 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0444% | 2,881 |
| Cost of funding earning assets | 0.5586% | 1,666 |
| Net interest margin | 3.4858% | 3,328 |
| Noninterest income to average assets | 1.6896% | 398 |
| Noninterest expense to average assets | 3.1402% | 1,764 |
| Loan and lease loss provision to assets | 0.3956% | 285 |
| Net operating income to assets | 0.9926% | 2,337 |
| Return on assets (ROA) | 0.9926% | 2,391 |
| Pretax return on assets | 1.4545% | 1,682 |
| Return on Equity (ROE) | 12.7227% | 1,057 |
| Retained earnings to average equity (ytd only) | 5.4795% | 2,612 |
| Net charge-offs to loans | 1.3419% | 129 |
| Credit loss provision to net charge-offs | 38.0331% | 2,073 |
| Earnings coverage of net charge-offs (x) | 1.7789% | 2,686 |
| Efficiency ratio | 62.8581% | 4,010 |
| Assets per employee ($millions) | 5.2462% | 2,142 |
| Cash dividends to net income (ytd only)* | 56.9314% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 2,901 |
| Loan loss allowance to noncurrent loans | 261.7658% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 3,706 |
| Noncurrent loans to loans | 0.4728% | 3,396 |
| Net loans and leases to total assets | 78.1998% | 1,104 |
| Net loans and leases to deposits | 93.6317% | 1,150 |
| Net loans and leases to core deposits | 123.9556% | 361 |
| Total domestic deposits to total assets | 83.5185% | 3,652 |
| Equity capital to assets | 7.9406% | 5,547 |
| Core capital (leverage) ratio | 7.9085% | 5,593 |
| Tier 1 risk-based capital ratio | 9.3565% | 5,786 |
| Total risk-based capital ratio | 10.5717% | 5,781 |
| Memoranda: | ||
| Average total assets | $1,415,710,500 | 549 |
| Average earning assets | $1,340,536,500 | 523 |
| Average equity | $110,448,000 | 748 |
| Average total loans | $1,097,232,000 | 491 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0944% | 2,871 |
| Cost of funding earning assets | 0.5146% | 1,982 |
| Net interest margin | 3.5798% | 3,139 |
| Noninterest income to average assets | 2.4071% | 265 |
| Noninterest expense to average assets | 3.4437% | 1,268 |
| Loan and lease loss provision to assets | 0.1633% | 1,510 |
| Net operating income to assets | 1.4379% | 944 |
| Return on assets (ROA) | 1.4435% | 954 |
| Pretax return on assets | 2.1973% | 326 |
| Return on Equity (ROE) | 17.6529% | 352 |
| Retained earnings to average equity (ytd only) | 10.1174% | 393 |
| Net charge-offs to loans | -0.0324% | 5,274 |
| Credit loss provision to net charge-offs | -652.3077% | 5,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3510% | 4,680 |
| Assets per employee ($millions) | 5.2215% | 2,145 |
| Cash dividends to net income (ytd only)* | 42.6872% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 1,779 |
| Loan loss allowance to noncurrent loans | 231.2626% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4838% | 3,327 |
| Noncurrent loans to loans | 0.6378% | 2,941 |
| Net loans and leases to total assets | 74.7444% | 1,738 |
| Net loans and leases to deposits | 100.3473% | 650 |
| Net loans and leases to core deposits | 127.2962% | 320 |
| Total domestic deposits to total assets | 74.4857% | 5,404 |
| Equity capital to assets | 7.6655% | 5,672 |
| Core capital (leverage) ratio | 8.1125% | 5,554 |
| Tier 1 risk-based capital ratio | 9.3288% | 5,833 |
| Total risk-based capital ratio | 10.5810% | 5,834 |
| Memoranda: | ||
| Average total assets | $1,298,322,800 | 570 |
| Average earning assets | $1,229,051,800 | 552 |
| Average equity | $106,163,800 | 752 |
| Average total loans | $1,003,406,400 | 510 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1636% | 2,634 |
| Cost of funding earning assets | 0.5183% | 1,951 |
| Net interest margin | 3.6453% | 2,912 |
| Noninterest income to average assets | 2.5528% | 254 |
| Noninterest expense to average assets | 3.6031% | 991 |
| Loan and lease loss provision to assets | 0.0917% | 2,396 |
| Net operating income to assets | 1.5026% | 878 |
| Return on assets (ROA) | 1.5101% | 913 |
| Pretax return on assets | 2.3203% | 306 |
| Return on Equity (ROE) | 18.1467% | 349 |
| Retained earnings to average equity (ytd only) | 10.5487% | 480 |
| Net charge-offs to loans | -0.0357% | 5,230 |
| Credit loss provision to net charge-offs | -330.7985% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9157% | 4,552 |
| Assets per employee ($millions) | 5.1405% | 2,205 |
| Cash dividends to net income (ytd only)* | 41.8702% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 2,128 |
| Loan loss allowance to noncurrent loans | 251.4286% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 3,705 |
| Noncurrent loans to loans | 0.5634% | 3,310 |
| Net loans and leases to total assets | 75.0858% | 1,688 |
| Net loans and leases to deposits | 90.8338% | 1,653 |
| Net loans and leases to core deposits | 116.8677% | 618 |
| Total domestic deposits to total assets | 82.6629% | 3,721 |
| Equity capital to assets | 8.0833% | 5,712 |
| Core capital (leverage) ratio | 8.1103% | 5,636 |
| Tier 1 risk-based capital ratio | 9.9305% | 5,809 |
| Total risk-based capital ratio | 11.1827% | 5,773 |
| Memoranda: | ||
| Average total assets | $1,265,229,000 | 582 |
| Average earning assets | $1,197,682,250 | 562 |
| Average equity | $105,287,250 | 757 |
| Average total loans | $982,914,500 | 518 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2195% | 2,447 |
| Cost of funding earning assets | 0.5169% | 1,960 |
| Net interest margin | 3.7026% | 2,689 |
| Noninterest income to average assets | 2.5217% | 253 |
| Noninterest expense to average assets | 3.6623% | 927 |
| Loan and lease loss provision to assets | 0.0195% | 3,750 |
| Net operating income to assets | 1.5348% | 837 |
| Return on assets (ROA) | 1.5463% | 855 |
| Pretax return on assets | 2.3619% | 272 |
| Return on Equity (ROE) | 18.3876% | 336 |
| Retained earnings to average equity (ytd only) | 10.6715% | 483 |
| Net charge-offs to loans | -0.0313% | 5,144 |
| Credit loss provision to net charge-offs | -79.4702% | 4,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7748% | 4,544 |
| Assets per employee ($millions) | 5.0749% | 2,227 |
| Cash dividends to net income (ytd only)* | 41.9639% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 2,354 |
| Loan loss allowance to noncurrent loans | 741.3719% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 4,767 |
| Noncurrent loans to loans | 0.1870% | 4,684 |
| Net loans and leases to total assets | 75.4462% | 1,572 |
| Net loans and leases to deposits | 93.2835% | 1,368 |
| Net loans and leases to core deposits | 122.7285% | 444 |
| Total domestic deposits to total assets | 80.8784% | 4,311 |
| Equity capital to assets | 8.2626% | 5,709 |
| Core capital (leverage) ratio | 8.2367% | 5,578 |
| Tier 1 risk-based capital ratio | 10.0822% | 5,827 |
| Total risk-based capital ratio | 11.3341% | 5,768 |
| Memoranda: | ||
| Average total assets | $1,232,893,000 | 594 |
| Average earning assets | $1,166,867,330 | 574 |
| Average equity | $103,678,330 | 767 |
| Average total loans | $964,705,000 | 522 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2328% | 2,355 |
| Cost of funding earning assets | 0.5067% | 2,053 |
| Net interest margin | 3.7261% | 2,568 |
| Noninterest income to average assets | 2.2486% | 294 |
| Noninterest expense to average assets | 3.5893% | 1,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4398% | 967 |
| Return on assets (ROA) | 1.4524% | 980 |
| Pretax return on assets | 2.2065% | 373 |
| Return on Equity (ROE) | 17.1083% | 426 |
| Retained earnings to average equity (ytd only) | 9.2370% | 1,045 |
| Net charge-offs to loans | -0.0215% | 4,899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1342% | 4,426 |
| Assets per employee ($millions) | 5.0266% | 2,314 |
| Cash dividends to net income (ytd only)* | 46.0087% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 2,370 |
| Loan loss allowance to noncurrent loans | 188.5334% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 3,118 |
| Noncurrent loans to loans | 0.7486% | 2,964 |
| Net loans and leases to total assets | 78.1826% | 1,079 |
| Net loans and leases to deposits | 98.0303% | 758 |
| Net loans and leases to core deposits | 139.1538% | 175 |
| Total domestic deposits to total assets | 79.7535% | 4,802 |
| Equity capital to assets | 8.5312% | 5,547 |
| Core capital (leverage) ratio | 8.3796% | 5,490 |
| Tier 1 risk-based capital ratio | 10.0512% | 5,900 |
| Total risk-based capital ratio | 11.3034% | 5,840 |
| Memoranda: | ||
| Average total assets | $1,197,212,000 | 612 |
| Average earning assets | $1,133,632,000 | 590 |
| Average equity | $101,635,000 | 785 |
| Average total loans | $948,135,000 | 530 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1326% | 2,797 |
| Cost of funding earning assets | 0.3913% | 3,251 |
| Net interest margin | 3.7412% | 2,598 |
| Noninterest income to average assets | 2.3166% | 290 |
| Noninterest expense to average assets | 3.6013% | 1,121 |
| Loan and lease loss provision to assets | 0.0134% | 4,140 |
| Net operating income to assets | 1.4712% | 914 |
| Return on assets (ROA) | 1.4765% | 934 |
| Pretax return on assets | 2.2507% | 312 |
| Return on Equity (ROE) | 17.1776% | 440 |
| Retained earnings to average equity (ytd only) | 8.1897% | 856 |
| Net charge-offs to loans | -0.0016% | 4,857 |
| Credit loss provision to net charge-offs | -1,071.4286% | 5,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4827% | 4,692 |
| Assets per employee ($millions) | 4.7886% | 2,623 |
| Cash dividends to net income (ytd only)* | 52.3235% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 2,193 |
| Loan loss allowance to noncurrent loans | 182.8637% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.6721% | 3,024 |
| Noncurrent loans to loans | 0.7961% | 2,802 |
| Net loans and leases to total assets | 77.9338% | 1,130 |
| Net loans and leases to deposits | 99.4405% | 719 |
| Net loans and leases to core deposits | 140.1469% | 162 |
| Total domestic deposits to total assets | 78.3723% | 5,087 |
| Equity capital to assets | 8.4460% | 5,607 |
| Core capital (leverage) ratio | 8.5259% | 5,396 |
| Tier 1 risk-based capital ratio | 10.1548% | 5,909 |
| Total risk-based capital ratio | 11.4075% | 5,838 |
| Memoranda: | ||
| Average total assets | $1,116,428,200 | 629 |
| Average earning assets | $1,056,630,000 | 610 |
| Average equity | $95,962,400 | 795 |
| Average total loans | $874,817,200 | 542 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 2,833 |
| Cost of funding earning assets | 0.3692% | 3,555 |
| Net interest margin | 3.7553% | 2,540 |
| Noninterest income to average assets | 2.3760% | 278 |
| Noninterest expense to average assets | 3.6411% | 1,056 |
| Loan and lease loss provision to assets | 0.0182% | 3,916 |
| Net operating income to assets | 1.4876% | 939 |
| Return on assets (ROA) | 1.4947% | 961 |
| Pretax return on assets | 2.2799% | 348 |
| Return on Equity (ROE) | 17.3085% | 448 |
| Retained earnings to average equity (ytd only) | 8.0183% | 1,238 |
| Net charge-offs to loans | 0.0116% | 3,768 |
| Credit loss provision to net charge-offs | 200.0000% | 1,330 |
| Earnings coverage of net charge-offs (x) | 251.8337% | 277 |
| Efficiency ratio | 61.4184% | 4,658 |
| Assets per employee ($millions) | 4.8175% | 2,538 |
| Cash dividends to net income (ytd only)* | 53.6741% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 2,057 |
| Loan loss allowance to noncurrent loans | 174.1277% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.7371% | 3,063 |
| Noncurrent loans to loans | 0.8744% | 2,795 |
| Net loans and leases to total assets | 77.9732% | 1,104 |
| Net loans and leases to deposits | 92.6937% | 1,339 |
| Net loans and leases to core deposits | 131.3093% | 262 |
| Total domestic deposits to total assets | 84.1192% | 3,376 |
| Equity capital to assets | 8.8189% | 5,473 |
| Core capital (leverage) ratio | 8.5845% | 5,476 |
| Tier 1 risk-based capital ratio | 10.3640% | 5,937 |
| Total risk-based capital ratio | 11.6174% | 5,867 |
| Memoranda: | ||
| Average total assets | $1,101,039,000 | 641 |
| Average earning assets | $1,041,514,000 | 623 |
| Average equity | $95,079,750 | 808 |
| Average total loans | $860,618,500 | 548 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0702% | 3,007 |
| Cost of funding earning assets | 0.3519% | 3,783 |
| Net interest margin | 3.7183% | 2,632 |
| Noninterest income to average assets | 2.4303% | 281 |
| Noninterest expense to average assets | 3.6601% | 1,037 |
| Loan and lease loss provision to assets | 0.0274% | 3,584 |
| Net operating income to assets | 1.4780% | 935 |
| Return on assets (ROA) | 1.4780% | 984 |
| Pretax return on assets | 2.2558% | 377 |
| Return on Equity (ROE) | 17.2405% | 461 |
| Retained earnings to average equity (ytd only) | 7.3915% | 1,526 |
| Net charge-offs to loans | 0.0094% | 3,579 |
| Credit loss provision to net charge-offs | 375.0000% | 778 |
| Earnings coverage of net charge-offs (x) | 312.6500% | 219 |
| Efficiency ratio | 61.5838% | 4,744 |
| Assets per employee ($millions) | 5.0024% | 2,272 |
| Cash dividends to net income (ytd only)* | 57.1270% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 2,177 |
| Loan loss allowance to noncurrent loans | 181.8904% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.6801% | 3,362 |
| Noncurrent loans to loans | 0.8396% | 3,027 |
| Net loans and leases to total assets | 74.7307% | 1,545 |
| Net loans and leases to deposits | 95.3493% | 1,015 |
| Net loans and leases to core deposits | 138.1723% | 178 |
| Total domestic deposits to total assets | 78.3757% | 5,204 |
| Equity capital to assets | 8.2080% | 5,876 |
| Core capital (leverage) ratio | 8.5499% | 5,488 |
| Tier 1 risk-based capital ratio | 10.1526% | 6,040 |
| Total risk-based capital ratio | 11.4059% | 5,983 |
| Memoranda: | ||
| Average total assets | $1,095,502,000 | 648 |
| Average earning assets | $1,034,981,000 | 628 |
| Average equity | $93,918,330 | 825 |
| Average total loans | $852,511,000 | 552 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 2,802 |
| Cost of funding earning assets | 0.3349% | 4,038 |
| Net interest margin | 3.7718% | 2,344 |
| Noninterest income to average assets | 2.3638% | 294 |
| Noninterest expense to average assets | 3.7123% | 995 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4428% | 955 |
| Return on assets (ROA) | 1.4428% | 1,014 |
| Pretax return on assets | 2.2115% | 377 |
| Return on Equity (ROE) | 16.4440% | 523 |
| Retained earnings to average equity (ytd only) | 5.1589% | 2,969 |
| Net charge-offs to loans | 0.0325% | 2,542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 86.2206% | 559 |
| Efficiency ratio | 62.6679% | 4,678 |
| Assets per employee ($millions) | 4.7284% | 2,721 |
| Cash dividends to net income (ytd only)* | 68.6275% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5658% | 2,172 |
| Loan loss allowance to noncurrent loans | 196.5065% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6816% | 3,446 |
| Noncurrent loans to loans | 0.7968% | 3,251 |
| Net loans and leases to total assets | 78.4222% | 867 |
| Net loans and leases to deposits | 105.5364% | 330 |
| Net loans and leases to core deposits | 142.7578% | 140 |
| Total domestic deposits to total assets | 74.3082% | 5,884 |
| Equity capital to assets | 8.7957% | 5,504 |
| Core capital (leverage) ratio | 8.8000% | 5,204 |
| Tier 1 risk-based capital ratio | 10.6014% | 5,983 |
| Total risk-based capital ratio | 11.8557% | 5,906 |
| Memoranda: | ||
| Average total assets | $1,060,473,500 | 669 |
| Average earning assets | $1,000,905,500 | 645 |
| Average equity | $93,043,000 | 829 |
| Average total loans | $836,497,000 | 557 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 2,957 |
| Cost of funding earning assets | 0.3584% | 4,159 |
| Net interest margin | 3.8417% | 2,459 |
| Noninterest income to average assets | 1.9690% | 352 |
| Noninterest expense to average assets | 3.2359% | 2,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5415% | 809 |
| Return on assets (ROA) | 1.5447% | 835 |
| Pretax return on assets | 2.3771% | 239 |
| Return on Equity (ROE) | 16.7854% | 514 |
| Retained earnings to average equity (ytd only) | 6.2412% | 1,785 |
| Net charge-offs to loans | -0.0343% | 5,827 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7004% | 5,493 |
| Assets per employee ($millions) | 4.8494% | 2,535 |
| Cash dividends to net income (ytd only)* | 62.8178% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6308% | 1,991 |
| Loan loss allowance to noncurrent loans | 826.0789% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 5,217 |
| Noncurrent loans to loans | 0.1974% | 5,116 |
| Net loans and leases to total assets | 76.8039% | 1,158 |
| Net loans and leases to deposits | 105.5918% | 373 |
| Net loans and leases to core deposits | 150.0716% | 114 |
| Total domestic deposits to total assets | 72.7367% | 6,037 |
| Equity capital to assets | 8.7514% | 5,535 |
| Core capital (leverage) ratio | 9.0215% | 4,964 |
| Tier 1 risk-based capital ratio | 10.3852% | 6,146 |
| Total risk-based capital ratio | 11.6396% | 6,092 |
| Memoranda: | ||
| Average total assets | $967,697,200 | 695 |
| Average earning assets | $916,682,400 | 668 |
| Average equity | $89,053,600 | 828 |
| Average total loans | $767,526,400 | 570 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 2,943 |
| Cost of funding earning assets | 0.3688% | 4,140 |
| Net interest margin | 3.8450% | 2,452 |
| Noninterest income to average assets | 1.9309% | 368 |
| Noninterest expense to average assets | 3.1323% | 2,373 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5851% | 780 |
| Return on assets (ROA) | 1.5885% | 804 |
| Pretax return on assets | 2.4491% | 232 |
| Return on Equity (ROE) | 17.0291% | 544 |
| Retained earnings to average equity (ytd only) | 8.7690% | 1,072 |
| Net charge-offs to loans | -0.0191% | 5,598 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1725% | 5,646 |
| Assets per employee ($millions) | 4.5907% | 2,824 |
| Cash dividends to net income (ytd only)* | 48.5058% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7214% | 1,907 |
| Loan loss allowance to noncurrent loans | 725.3012% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 5,301 |
| Noncurrent loans to loans | 0.2373% | 5,187 |
| Net loans and leases to total assets | 74.5316% | 1,437 |
| Net loans and leases to deposits | 102.2660% | 490 |
| Net loans and leases to core deposits | 133.6142% | 197 |
| Total domestic deposits to total assets | 72.8801% | 6,103 |
| Equity capital to assets | 9.0545% | 5,297 |
| Core capital (leverage) ratio | 9.1494% | 4,856 |
| Tier 1 risk-based capital ratio | 11.0849% | 5,958 |
| Total risk-based capital ratio | 12.3403% | 5,910 |
| Memoranda: | ||
| Average total assets | $946,539,250 | 710 |
| Average earning assets | $897,392,000 | 685 |
| Average equity | $88,293,500 | 835 |
| Average total loans | $754,000,750 | 580 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2065% | 2,930 |
| Cost of funding earning assets | 0.3758% | 4,154 |
| Net interest margin | 3.8307% | 2,444 |
| Noninterest income to average assets | 1.8442% | 399 |
| Noninterest expense to average assets | 3.4600% | 1,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3091% | 1,283 |
| Return on assets (ROA) | 1.3108% | 1,329 |
| Pretax return on assets | 2.0234% | 534 |
| Return on Equity (ROE) | 13.9029% | 975 |
| Retained earnings to average equity (ytd only) | 6.9227% | 1,805 |
| Net charge-offs to loans | -0.0200% | 5,544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1290% | 4,836 |
| Assets per employee ($millions) | 4.4783% | 2,953 |
| Cash dividends to net income (ytd only)* | 50.2064% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6699% | 2,229 |
| Loan loss allowance to noncurrent loans | 705.7158% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 5,570 |
| Noncurrent loans to loans | 0.2366% | 5,284 |
| Net loans and leases to total assets | 77.8956% | 921 |
| Net loans and leases to deposits | 97.4894% | 700 |
| Net loans and leases to core deposits | 138.9901% | 142 |
| Total domestic deposits to total assets | 79.9016% | 5,266 |
| Equity capital to assets | 8.9450% | 5,363 |
| Core capital (leverage) ratio | 9.3587% | 4,519 |
| Tier 1 risk-based capital ratio | 10.4088% | 6,278 |
| Total risk-based capital ratio | 11.6635% | 6,228 |
| Memoranda: | ||
| Average total assets | $923,873,000 | 722 |
| Average earning assets | $877,067,000 | 695 |
| Average equity | $87,104,330 | 840 |
| Average total loans | $748,869,330 | 579 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 2,753 |
| Cost of funding earning assets | 0.3819% | 4,178 |
| Net interest margin | 3.8511% | 2,267 |
| Noninterest income to average assets | 1.4669% | 543 |
| Noninterest expense to average assets | 3.2601% | 2,045 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2197% | 1,424 |
| Return on assets (ROA) | 1.2197% | 1,482 |
| Pretax return on assets | 1.8789% | 682 |
| Return on Equity (ROE) | 12.5733% | 1,268 |
| Retained earnings to average equity (ytd only) | 5.1307% | 3,037 |
| Net charge-offs to loans | -0.0192% | 5,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4384% | 4,946 |
| Assets per employee ($millions) | 4.1913% | 3,548 |
| Cash dividends to net income (ytd only)* | 59.1935% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7701% | 2,127 |
| Loan loss allowance to noncurrent loans | 524.7410% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.2710% | 5,359 |
| Noncurrent loans to loans | 0.3373% | 5,104 |
| Net loans and leases to total assets | 78.9082% | 667 |
| Net loans and leases to deposits | 90.0805% | 1,140 |
| Net loans and leases to core deposits | 142.3971% | 121 |
| Total domestic deposits to total assets | 87.5975% | 2,463 |
| Equity capital to assets | 9.3784% | 4,655 |
| Core capital (leverage) ratio | 9.8159% | 3,835 |
| Tier 1 risk-based capital ratio | 10.6576% | 6,288 |
| Total risk-based capital ratio | 11.9133% | 6,248 |
| Memoranda: | ||
| Average total assets | $886,478,000 | 763 |
| Average earning assets | $845,264,000 | 728 |
| Average equity | $85,991,500 | 852 |
| Average total loans | $727,741,000 | 599 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4061% | 2,566 |
| Cost of funding earning assets | 0.4446% | 4,167 |
| Net interest margin | 3.9615% | 2,062 |
| Noninterest income to average assets | 3.2441% | 203 |
| Noninterest expense to average assets | 4.4251% | 561 |
| Loan and lease loss provision to assets | 0.0790% | 3,529 |
| Net operating income to assets | 1.6274% | 652 |
| Return on assets (ROA) | 1.6274% | 673 |
| Pretax return on assets | 2.5156% | 196 |
| Return on Equity (ROE) | 15.5823% | 680 |
| Retained earnings to average equity (ytd only) | -4.4237% | 6,338 |
| Net charge-offs to loans | 0.0056% | 5,356 |
| Credit loss provision to net charge-offs | 1,730.7692% | 144 |
| Earnings coverage of net charge-offs (x) | 568.3590% | 66 |
| Efficiency ratio | 63.0376% | 5,055 |
| Assets per employee ($millions) | 4.0318% | 3,800 |
| Cash dividends to net income (ytd only)* | 128.3896% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8465% | 1,929 |
| Loan loss allowance to noncurrent loans | 518.1854% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 5,366 |
| Noncurrent loans to loans | 0.3563% | 5,121 |
| Net loans and leases to total assets | 82.4712% | 369 |
| Net loans and leases to deposits | 120.6367% | 65 |
| Net loans and leases to core deposits | 155.4230% | 79 |
| Total domestic deposits to total assets | 68.3632% | 6,578 |
| Equity capital to assets | 10.0526% | 3,688 |
| Core capital (leverage) ratio | 10.2001% | 3,294 |
| Tier 1 risk-based capital ratio | 11.2718% | 6,039 |
| Total risk-based capital ratio | 12.5284% | 5,978 |
| Memoranda: | ||
| Average total assets | $854,294,400 | 775 |
| Average earning assets | $814,215,400 | 731 |
| Average equity | $89,223,200 | 789 |
| Average total loans | $702,148,800 | 596 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 2,570 |
| Cost of funding earning assets | 0.4635% | 4,131 |
| Net interest margin | 3.9447% | 2,131 |
| Noninterest income to average assets | 3.6956% | 190 |
| Noninterest expense to average assets | 4.7785% | 406 |
| Loan and lease loss provision to assets | 0.1051% | 3,002 |
| Net operating income to assets | 1.6631% | 663 |
| Return on assets (ROA) | 1.6631% | 698 |
| Pretax return on assets | 2.5722% | 227 |
| Return on Equity (ROE) | 15.7779% | 671 |
| Retained earnings to average equity (ytd only) | 2.1126% | 5,051 |
| Net charge-offs to loans | 0.0286% | 4,557 |
| Credit loss provision to net charge-offs | 450.0000% | 589 |
| Earnings coverage of net charge-offs (x) | 114.6172% | 446 |
| Efficiency ratio | 64.0907% | 4,782 |
| Assets per employee ($millions) | 3.5106% | 4,827 |
| Cash dividends to net income (ytd only)* | 86.6105% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9406% | 1,885 |
| Loan loss allowance to noncurrent loans | 448.9831% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 5,377 |
| Noncurrent loans to loans | 0.4322% | 5,118 |
| Net loans and leases to total assets | 77.7919% | 769 |
| Net loans and leases to deposits | 96.7322% | 641 |
| Net loans and leases to core deposits | 134.4997% | 146 |
| Total domestic deposits to total assets | 80.4198% | 5,382 |
| Equity capital to assets | 10.7510% | 3,011 |
| Core capital (leverage) ratio | 11.0652% | 2,419 |
| Tier 1 risk-based capital ratio | 12.4256% | 5,501 |
| Total risk-based capital ratio | 13.6829% | 5,432 |
| Memoranda: | ||
| Average total assets | $856,196,500 | 777 |
| Average earning assets | $816,168,500 | 737 |
| Average equity | $90,250,500 | 789 |
| Average total loans | $699,834,000 | 601 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4570% | 2,357 |
| Cost of funding earning assets | 0.4894% | 3,995 |
| Net interest margin | 3.9676% | 1,976 |
| Noninterest income to average assets | 4.3724% | 175 |
| Noninterest expense to average assets | 5.2137% | 307 |
| Loan and lease loss provision to assets | 0.0524% | 3,936 |
| Net operating income to assets | 1.8181% | 498 |
| Return on assets (ROA) | 1.8181% | 534 |
| Pretax return on assets | 2.8847% | 167 |
| Return on Equity (ROE) | 17.3617% | 522 |
| Retained earnings to average equity (ytd only) | 0.6977% | 5,621 |
| Net charge-offs to loans | -0.0795% | 6,427 |
| Credit loss provision to net charge-offs | -79.7872% | 5,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9662% | 4,874 |
| Assets per employee ($millions) | 3.2592% | 5,356 |
| Cash dividends to net income (ytd only)* | 95.9816% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8841% | 2,159 |
| Loan loss allowance to noncurrent loans | 566.0139% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 5,671 |
| Noncurrent loans to loans | 0.3329% | 5,465 |
| Net loans and leases to total assets | 80.5520% | 483 |
| Net loans and leases to deposits | 101.1645% | 372 |
| Net loans and leases to core deposits | 140.6226% | 131 |
| Total domestic deposits to total assets | 79.6247% | 5,685 |
| Equity capital to assets | 10.6985% | 3,057 |
| Core capital (leverage) ratio | 10.7423% | 2,625 |
| Tier 1 risk-based capital ratio | 12.4684% | 5,531 |
| Total risk-based capital ratio | 13.7258% | 5,462 |
| Memoranda: | ||
| Average total assets | $859,578,670 | 771 |
| Average earning assets | $818,582,330 | 737 |
| Average equity | $90,014,330 | 787 |
| Average total loans | $709,384,330 | 588 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4179% | 2,459 |
| Cost of funding earning assets | 0.4907% | 4,172 |
| Net interest margin | 3.9272% | 2,021 |
| Noninterest income to average assets | 4.9459% | 149 |
| Noninterest expense to average assets | 5.6221% | 250 |
| Loan and lease loss provision to assets | 0.1036% | 2,954 |
| Net operating income to assets | 1.8478% | 439 |
| Return on assets (ROA) | 1.8478% | 484 |
| Pretax return on assets | 2.9669% | 161 |
| Return on Equity (ROE) | 17.8319% | 447 |
| Retained earnings to average equity (ytd only) | -8.8226% | 6,568 |
| Net charge-offs to loans | -0.0751% | 6,311 |
| Credit loss provision to net charge-offs | -166.6667% | 5,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6772% | 4,890 |
| Assets per employee ($millions) | 3.0280% | 5,935 |
| Cash dividends to net income (ytd only)* | 149.4768% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8131% | 2,576 |
| Loan loss allowance to noncurrent loans | 739.9310% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 5,975 |
| Noncurrent loans to loans | 0.2450% | 5,803 |
| Net loans and leases to total assets | 79.5819% | 462 |
| Net loans and leases to deposits | 93.6868% | 688 |
| Net loans and leases to core deposits | 155.2116% | 81 |
| Total domestic deposits to total assets | 84.9446% | 4,069 |
| Equity capital to assets | 10.1658% | 3,938 |
| Core capital (leverage) ratio | 10.0211% | 3,349 |
| Tier 1 risk-based capital ratio | 12.3579% | 5,673 |
| Total risk-based capital ratio | 13.6155% | 5,618 |
| Memoranda: | ||
| Average total assets | $868,929,000 | 770 |
| Average earning assets | $828,996,000 | 728 |
| Average equity | $90,041,000 | 792 |
| Average total loans | $718,901,000 | 585 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6249% | 2,900 |
| Cost of funding earning assets | 0.6240% | 4,145 |
| Net interest margin | 4.0008% | 2,384 |
| Noninterest income to average assets | 6.5214% | 107 |
| Noninterest expense to average assets | 6.5979% | 170 |
| Loan and lease loss provision to assets | 0.1820% | 3,356 |
| Net operating income to assets | 2.2222% | 244 |
| Return on assets (ROA) | 2.2222% | 270 |
| Pretax return on assets | 3.5563% | 95 |
| Return on Equity (ROE) | 21.0994% | 257 |
| Retained earnings to average equity (ytd only) | 8.3271% | 1,023 |
| Net charge-offs to loans | 0.1108% | 4,567 |
| Credit loss provision to net charge-offs | 201.1952% | 1,286 |
| Earnings coverage of net charge-offs (x) | 41.3347% | 780 |
| Efficiency ratio | 63.8334% | 4,918 |
| Assets per employee ($millions) | 2.8287% | 6,270 |
| Cash dividends to net income (ytd only)* | 60.5340% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7158% | 2,877 |
| Loan loss allowance to noncurrent loans | 455.7054% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 5,718 |
| Noncurrent loans to loans | 0.3765% | 5,556 |
| Net loans and leases to total assets | 82.9921% | 269 |
| Net loans and leases to deposits | 105.8357% | 230 |
| Net loans and leases to core deposits | 166.7792% | 67 |
| Total domestic deposits to total assets | 78.4159% | 6,010 |
| Equity capital to assets | 10.5616% | 3,450 |
| Core capital (leverage) ratio | 10.7909% | 2,452 |
| Tier 1 risk-based capital ratio | 13.2267% | 4,942 |
| Total risk-based capital ratio | 14.4845% | 4,882 |
| Memoranda: | ||
| Average total assets | $832,613,000 | 789 |
| Average earning assets | $793,883,200 | 753 |
| Average equity | $87,689,800 | 790 |
| Average total loans | $679,890,600 | 609 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6593% | 2,971 |
| Cost of funding earning assets | 0.6407% | 4,275 |
| Net interest margin | 4.0186% | 2,427 |
| Noninterest income to average assets | 6.2294% | 107 |
| Noninterest expense to average assets | 6.6484% | 161 |
| Loan and lease loss provision to assets | 0.2165% | 2,895 |
| Net operating income to assets | 1.9854% | 389 |
| Return on assets (ROA) | 1.9854% | 441 |
| Pretax return on assets | 3.2006% | 131 |
| Return on Equity (ROE) | 18.8651% | 405 |
| Retained earnings to average equity (ytd only) | 7.8095% | 1,700 |
| Net charge-offs to loans | 0.2057% | 3,500 |
| Credit loss provision to net charge-offs | 130.0971% | 2,215 |
| Earnings coverage of net charge-offs (x) | 20.5301% | 1,445 |
| Efficiency ratio | 66.0512% | 4,445 |
| Assets per employee ($millions) | 2.8163% | 6,340 |
| Cash dividends to net income (ytd only)* | 58.6033% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7859% | 2,838 |
| Loan loss allowance to noncurrent loans | 332.2670% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 5,613 |
| Noncurrent loans to loans | 0.5375% | 5,370 |
| Net loans and leases to total assets | 78.1620% | 714 |
| Net loans and leases to deposits | 92.7470% | 898 |
| Net loans and leases to core deposits | 140.0313% | 137 |
| Total domestic deposits to total assets | 84.2744% | 4,093 |
| Equity capital to assets | 10.4903% | 3,857 |
| Core capital (leverage) ratio | 10.6414% | 2,766 |
| Tier 1 risk-based capital ratio | 13.3709% | 4,972 |
| Total risk-based capital ratio | 14.6295% | 4,926 |
| Memoranda: | ||
| Average total assets | $825,077,000 | 803 |
| Average earning assets | $787,619,750 | 760 |
| Average equity | $86,832,000 | 801 |
| Average total loans | $667,733,250 | 621 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7001% | 2,912 |
| Cost of funding earning assets | 0.6774% | 4,200 |
| Net interest margin | 4.0227% | 2,403 |
| Noninterest income to average assets | 6.3175% | 111 |
| Noninterest expense to average assets | 6.7087% | 157 |
| Loan and lease loss provision to assets | 0.2911% | 2,251 |
| Net operating income to assets | 1.9324% | 435 |
| Return on assets (ROA) | 1.9324% | 504 |
| Pretax return on assets | 3.1605% | 135 |
| Return on Equity (ROE) | 18.3413% | 469 |
| Retained earnings to average equity (ytd only) | 11.3753% | 678 |
| Net charge-offs to loans | 0.2696% | 2,965 |
| Credit loss provision to net charge-offs | 132.6644% | 2,068 |
| Earnings coverage of net charge-offs (x) | 15.7291% | 1,633 |
| Efficiency ratio | 66.0286% | 4,530 |
| Assets per employee ($millions) | 2.8011% | 6,402 |
| Cash dividends to net income (ytd only)* | 37.9795% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7617% | 2,977 |
| Loan loss allowance to noncurrent loans | 230.9656% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 5,223 |
| Noncurrent loans to loans | 0.7628% | 4,981 |
| Net loans and leases to total assets | 79.8352% | 532 |
| Net loans and leases to deposits | 97.7737% | 540 |
| Net loans and leases to core deposits | 160.2225% | 87 |
| Total domestic deposits to total assets | 81.6530% | 5,245 |
| Equity capital to assets | 10.5538% | 3,617 |
| Core capital (leverage) ratio | 11.1084% | 2,199 |
| Tier 1 risk-based capital ratio | 13.5968% | 4,745 |
| Total risk-based capital ratio | 14.8549% | 4,707 |
| Memoranda: | ||
| Average total assets | $817,535,000 | 812 |
| Average earning assets | $780,959,670 | 770 |
| Average equity | $86,133,670 | 799 |
| Average total loans | $665,434,330 | 626 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8349% | 2,506 |
| Cost of funding earning assets | 0.7378% | 3,965 |
| Net interest margin | 4.0971% | 2,098 |
| Noninterest income to average assets | 6.0044% | 117 |
| Noninterest expense to average assets | 6.6738% | 158 |
| Loan and lease loss provision to assets | 0.3563% | 1,766 |
| Net operating income to assets | 1.8280% | 571 |
| Return on assets (ROA) | 1.8280% | 643 |
| Pretax return on assets | 2.9062% | 204 |
| Return on Equity (ROE) | 17.3657% | 619 |
| Retained earnings to average equity (ytd only) | 10.2950% | 1,201 |
| Net charge-offs to loans | 0.3137% | 2,392 |
| Credit loss provision to net charge-offs | 139.4175% | 1,763 |
| Earnings coverage of net charge-offs (x) | 12.7670% | 1,576 |
| Efficiency ratio | 67.1660% | 4,326 |
| Assets per employee ($millions) | 2.8099% | 6,487 |
| Cash dividends to net income (ytd only)* | 40.7166% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8403% | 2,871 |
| Loan loss allowance to noncurrent loans | 223.1963% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.6657% | 5,230 |
| Noncurrent loans to loans | 0.8245% | 5,024 |
| Net loans and leases to total assets | 79.2561% | 473 |
| Net loans and leases to deposits | 94.7925% | 617 |
| Net loans and leases to core deposits | 148.2392% | 115 |
| Total domestic deposits to total assets | 83.6101% | 4,671 |
| Equity capital to assets | 10.6926% | 3,279 |
| Core capital (leverage) ratio | 10.3875% | 2,889 |
| Tier 1 risk-based capital ratio | 13.6012% | 4,751 |
| Total risk-based capital ratio | 14.8597% | 4,732 |
| Memoranda: | ||
| Average total assets | $806,137,500 | 823 |
| Average earning assets | $773,626,000 | 779 |
| Average equity | $84,857,000 | 808 |
| Average total loans | $656,696,500 | 635 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8265% | 3,681 |
| Cost of funding earning assets | 0.9394% | 3,791 |
| Net interest margin | 3.8870% | 3,391 |
| Noninterest income to average assets | 4.7492% | 133 |
| Noninterest expense to average assets | 5.7722% | 236 |
| Loan and lease loss provision to assets | 0.1500% | 4,741 |
| Net operating income to assets | 1.6278% | 631 |
| Return on assets (ROA) | 1.6278% | 685 |
| Pretax return on assets | 2.5239% | 200 |
| Return on Equity (ROE) | 15.6186% | 662 |
| Retained earnings to average equity (ytd only) | 8.9045% | 836 |
| Net charge-offs to loans | -0.0104% | 6,891 |
| Credit loss provision to net charge-offs | -1,853.2258% | 6,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3414% | 4,290 |
| Assets per employee ($millions) | 2.8274% | 6,415 |
| Cash dividends to net income (ytd only)* | 42.9877% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7664% | 2,978 |
| Loan loss allowance to noncurrent loans | 175.1156% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.8289% | 4,970 |
| Noncurrent loans to loans | 1.0087% | 4,689 |
| Net loans and leases to total assets | 80.7262% | 425 |
| Net loans and leases to deposits | 100.6680% | 428 |
| Net loans and leases to core deposits | 166.4702% | 101 |
| Total domestic deposits to total assets | 80.1904% | 5,688 |
| Equity capital to assets | 10.3612% | 3,696 |
| Core capital (leverage) ratio | 10.1864% | 3,103 |
| Tier 1 risk-based capital ratio | 13.5381% | 4,669 |
| Total risk-based capital ratio | 14.7968% | 4,633 |
| Memoranda: | ||
| Average total assets | $766,108,600 | 858 |
| Average earning assets | $728,627,400 | 817 |
| Average equity | $79,847,000 | 842 |
| Average total loans | $597,199,600 | 699 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8336% | 3,864 |
| Cost of funding earning assets | 0.9682% | 3,906 |
| Net interest margin | 3.8654% | 3,545 |
| Noninterest income to average assets | 4.3479% | 142 |
| Noninterest expense to average assets | 5.4451% | 267 |
| Loan and lease loss provision to assets | 0.1652% | 4,411 |
| Net operating income to assets | 1.5432% | 864 |
| Return on assets (ROA) | 1.5432% | 934 |
| Pretax return on assets | 2.4036% | 290 |
| Return on Equity (ROE) | 14.7832% | 872 |
| Retained earnings to average equity (ytd only) | 10.7915% | 667 |
| Net charge-offs to loans | -0.0170% | 6,873 |
| Credit loss provision to net charge-offs | -1,264.8649% | 6,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9462% | 4,336 |
| Assets per employee ($millions) | 2.9274% | 6,261 |
| Cash dividends to net income (ytd only)* | 27.0014% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8045% | 2,927 |
| Loan loss allowance to noncurrent loans | 163.0211% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 1.0035% | 4,747 |
| Noncurrent loans to loans | 1.1069% | 4,706 |
| Net loans and leases to total assets | 82.1688% | 341 |
| Net loans and leases to deposits | 104.9195% | 287 |
| Net loans and leases to core deposits | 168.3477% | 93 |
| Total domestic deposits to total assets | 78.3160% | 6,131 |
| Equity capital to assets | 10.8761% | 3,267 |
| Core capital (leverage) ratio | 11.2371% | 2,203 |
| Tier 1 risk-based capital ratio | 13.6381% | 4,626 |
| Total risk-based capital ratio | 14.8969% | 4,586 |
| Memoranda: | ||
| Average total assets | $755,474,500 | 873 |
| Average earning assets | $716,494,500 | 836 |
| Average equity | $78,862,500 | 863 |
| Average total loans | $580,368,000 | 736 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7939% | 4,120 |
| Cost of funding earning assets | 1.0053% | 3,915 |
| Net interest margin | 3.7886% | 3,844 |
| Noninterest income to average assets | 3.7036% | 184 |
| Noninterest expense to average assets | 4.9720% | 379 |
| Loan and lease loss provision to assets | 0.0587% | 5,578 |
| Net operating income to assets | 1.4512% | 976 |
| Return on assets (ROA) | 1.4512% | 1,036 |
| Pretax return on assets | 2.2641% | 371 |
| Return on Equity (ROE) | 14.1019% | 960 |
| Retained earnings to average equity (ytd only) | 14.1019% | 307 |
| Net charge-offs to loans | -0.1102% | 7,189 |
| Credit loss provision to net charge-offs | -71.5210% | 6,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1578% | 4,489 |
| Assets per employee ($millions) | 2.8456% | 6,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9156% | 2,622 |
| Loan loss allowance to noncurrent loans | 147.8011% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 1.1345% | 4,621 |
| Noncurrent loans to loans | 1.2961% | 4,485 |
| Net loans and leases to total assets | 79.5805% | 574 |
| Net loans and leases to deposits | 111.4614% | 157 |
| Net loans and leases to core deposits | 164.0820% | 114 |
| Total domestic deposits to total assets | 71.3973% | 7,040 |
| Equity capital to assets | 11.3096% | 2,675 |
| Core capital (leverage) ratio | 11.3894% | 1,987 |
| Tier 1 risk-based capital ratio | 13.3827% | 4,623 |
| Total risk-based capital ratio | 14.6406% | 4,604 |
| Memoranda: | ||
| Average total assets | $752,616,670 | 887 |
| Average earning assets | $713,410,670 | 855 |
| Average equity | $77,450,330 | 877 |
| Average total loans | $560,708,670 | 770 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6691% | 4,649 |
| Cost of funding earning assets | 1.0646% | 3,752 |
| Net interest margin | 3.6045% | 4,551 |
| Noninterest income to average assets | 3.0211% | 219 |
| Noninterest expense to average assets | 4.3082% | 721 |
| Loan and lease loss provision to assets | 0.1154% | 4,567 |
| Net operating income to assets | 1.2948% | 1,279 |
| Return on assets (ROA) | 1.2948% | 1,320 |
| Pretax return on assets | 2.0201% | 542 |
| Return on Equity (ROE) | 13.1829% | 1,151 |
| Retained earnings to average equity (ytd only) | 13.1829% | 561 |
| Net charge-offs to loans | 0.0203% | 4,790 |
| Credit loss provision to net charge-offs | 796.4286% | 482 |
| Earnings coverage of net charge-offs (x) | 147.4286% | 212 |
| Efficiency ratio | 66.8593% | 4,883 |
| Assets per employee ($millions) | 2.6816% | 6,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0186% | 2,363 |
| Loan loss allowance to noncurrent loans | 117.0141% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 1.5394% | 3,939 |
| Noncurrent loans to loans | 1.7251% | 3,914 |
| Net loans and leases to total assets | 72.6894% | 1,573 |
| Net loans and leases to deposits | 104.8877% | 285 |
| Net loans and leases to core deposits | 158.5142% | 132 |
| Total domestic deposits to total assets | 69.3021% | 7,217 |
| Equity capital to assets | 10.7649% | 2,909 |
| Core capital (leverage) ratio | 10.2661% | 2,846 |
| Tier 1 risk-based capital ratio | 14.4705% | 3,759 |
| Total risk-based capital ratio | 15.7301% | 3,712 |
| Memoranda: | ||
| Average total assets | $773,224,000 | 873 |
| Average earning assets | $734,188,500 | 829 |
| Average equity | $75,947,000 | 883 |
| Average total loans | $552,466,000 | 788 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0292% | 4,415 |
| Cost of funding earning assets | 1.4205% | 3,135 |
| Net interest margin | 3.6087% | 4,780 |
| Noninterest income to average assets | 4.6267% | 146 |
| Noninterest expense to average assets | 5.8526% | 248 |
| Loan and lease loss provision to assets | 0.3779% | 3,853 |
| Net operating income to assets | 1.1102% | 1,678 |
| Return on assets (ROA) | 1.1262% | 1,701 |
| Pretax return on assets | 1.8055% | 751 |
| Return on Equity (ROE) | 11.5665% | 1,429 |
| Retained earnings to average equity (ytd only) | 11.5665% | 317 |
| Net charge-offs to loans | 0.2535% | 4,766 |
| Credit loss provision to net charge-offs | 198.8701% | 1,586 |
| Earnings coverage of net charge-offs (x) | 11.3581% | 1,617 |
| Efficiency ratio | 73.0558% | 3,587 |
| Assets per employee ($millions) | 2.9981% | 6,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8347% | 2,735 |
| Loan loss allowance to noncurrent loans | 118.3474% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 1.2949% | 4,443 |
| Noncurrent loans to loans | 1.5503% | 4,176 |
| Net loans and leases to total assets | 67.8222% | 3,023 |
| Net loans and leases to deposits | 89.7093% | 1,565 |
| Net loans and leases to core deposits | 179.4411% | 110 |
| Total domestic deposits to total assets | 75.6022% | 6,679 |
| Equity capital to assets | 9.0093% | 5,130 |
| Core capital (leverage) ratio | 9.1687% | 4,229 |
| Tier 1 risk-based capital ratio | 13.6819% | 4,076 |
| Total risk-based capital ratio | 14.9404% | 4,044 |
| Memoranda: | ||
| Average total assets | $745,093,200 | 908 |
| Average earning assets | $698,784,600 | 882 |
| Average equity | $72,545,600 | 924 |
| Average total loans | $558,483,200 | 807 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0790% | 4,434 |
| Cost of funding earning assets | 1.5147% | 2,884 |
| Net interest margin | 3.5643% | 5,043 |
| Noninterest income to average assets | 4.3334% | 161 |
| Noninterest expense to average assets | 5.6928% | 249 |
| Loan and lease loss provision to assets | 0.2434% | 4,651 |
| Net operating income to assets | 1.0799% | 1,966 |
| Return on assets (ROA) | 1.1018% | 1,984 |
| Pretax return on assets | 1.7602% | 993 |
| Return on Equity (ROE) | 11.0792% | 1,764 |
| Retained earnings to average equity (ytd only) | 11.0792% | 596 |
| Net charge-offs to loans | 0.1745% | 4,921 |
| Credit loss provision to net charge-offs | 181.9559% | 2,004 |
| Earnings coverage of net charge-offs (x) | 14.7245% | 1,486 |
| Efficiency ratio | 74.2979% | 3,267 |
| Assets per employee ($millions) | 2.8694% | 6,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6166% | 3,456 |
| Loan loss allowance to noncurrent loans | 139.8446% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 1.2730% | 4,598 |
| Noncurrent loans to loans | 1.1560% | 4,928 |
| Net loans and leases to total assets | 73.6412% | 1,877 |
| Net loans and leases to deposits | 97.4765% | 845 |
| Net loans and leases to core deposits | 186.6920% | 102 |
| Total domestic deposits to total assets | 75.5476% | 6,729 |
| Equity capital to assets | 9.5003% | 4,844 |
| Core capital (leverage) ratio | 9.4726% | 3,943 |
| Tier 1 risk-based capital ratio | 13.3462% | 4,313 |
| Total risk-based capital ratio | 14.6034% | 4,275 |
| Memoranda: | ||
| Average total assets | $723,748,000 | 927 |
| Average earning assets | $675,915,000 | 908 |
| Average equity | $71,977,000 | 931 |
| Average total loans | $554,660,750 | 815 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2205% | 3,848 |
| Cost of funding earning assets | 1.6238% | 2,520 |
| Net interest margin | 3.5966% | 4,826 |
| Noninterest income to average assets | 3.7625% | 177 |
| Noninterest expense to average assets | 5.4298% | 285 |
| Loan and lease loss provision to assets | 0.2140% | 4,747 |
| Net operating income to assets | 0.9220% | 2,460 |
| Return on assets (ROA) | 0.9561% | 2,425 |
| Pretax return on assets | 1.5155% | 1,517 |
| Return on Equity (ROE) | 9.4517% | 2,294 |
| Retained earnings to average equity (ytd only) | 9.4517% | 974 |
| Net charge-offs to loans | 0.1951% | 4,437 |
| Credit loss provision to net charge-offs | 141.8251% | 2,815 |
| Earnings coverage of net charge-offs (x) | 11.1084% | 1,801 |
| Efficiency ratio | 76.4119% | 2,998 |
| Assets per employee ($millions) | 2.7122% | 6,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7472% | 2,909 |
| Loan loss allowance to noncurrent loans | 138.4479% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 1.5313% | 4,165 |
| Noncurrent loans to loans | 1.2620% | 4,856 |
| Net loans and leases to total assets | 66.6070% | 3,708 |
| Net loans and leases to deposits | 86.4525% | 2,436 |
| Net loans and leases to core deposits | 150.8578% | 209 |
| Total domestic deposits to total assets | 77.0446% | 6,495 |
| Equity capital to assets | 9.3282% | 4,966 |
| Core capital (leverage) ratio | 9.1887% | 4,314 |
| Tier 1 risk-based capital ratio | 13.0877% | 4,369 |
| Total risk-based capital ratio | 14.3454% | 4,319 |
| Memoranda: | ||
| Average total assets | $697,188,330 | 966 |
| Average earning assets | $648,103,670 | 947 |
| Average equity | $70,526,670 | 953 |
| Average total loans | $539,089,330 | 847 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4167% | 2,961 |
| Cost of funding earning assets | 1.7295% | 2,237 |
| Net interest margin | 3.6872% | 4,318 |
| Noninterest income to average assets | 3.6992% | 177 |
| Noninterest expense to average assets | 5.6674% | 252 |
| Loan and lease loss provision to assets | 0.1216% | 5,364 |
| Net operating income to assets | 0.8754% | 2,652 |
| Return on assets (ROA) | 0.8754% | 2,731 |
| Pretax return on assets | 1.3637% | 1,868 |
| Return on Equity (ROE) | 8.2634% | 2,749 |
| Retained earnings to average equity (ytd only) | 8.2634% | 1,599 |
| Net charge-offs to loans | 0.0510% | 4,893 |
| Credit loss provision to net charge-offs | 286.9565% | 1,372 |
| Earnings coverage of net charge-offs (x) | 35.0435% | 777 |
| Efficiency ratio | 79.2339% | 2,680 |
| Assets per employee ($millions) | 2.1645% | 7,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7819% | 2,786 |
| Loan loss allowance to noncurrent loans | 97.9782% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 2.1246% | 3,351 |
| Noncurrent loans to loans | 1.8187% | 4,035 |
| Net loans and leases to total assets | 80.1718% | 821 |
| Net loans and leases to deposits | 110.8112% | 271 |
| Net loans and leases to core deposits | 182.2275% | 125 |
| Total domestic deposits to total assets | 72.3499% | 7,231 |
| Equity capital to assets | 11.2176% | 2,569 |
| Core capital (leverage) ratio | 10.9125% | 2,287 |
| Tier 1 risk-based capital ratio | 13.6992% | 3,865 |
| Total risk-based capital ratio | 14.9566% | 3,815 |
| Memoranda: | ||
| Average total assets | $651,161,000 | 1,063 |
| Average earning assets | $609,896,500 | 1,027 |
| Average equity | $68,979,000 | 970 |
| Average total loans | $541,114,500 | 871 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5921% | 3,649 |
| Cost of funding earning assets | 2.0524% | 2,711 |
| Net interest margin | 3.5397% | 4,779 |
| Noninterest income to average assets | 7.8679% | 87 |
| Noninterest expense to average assets | 8.1251% | 141 |
| Loan and lease loss provision to assets | 0.8526% | 2,605 |
| Net operating income to assets | 1.3912% | 865 |
| Return on assets (ROA) | 1.4797% | 762 |
| Pretax return on assets | 2.3683% | 194 |
| Return on Equity (ROE) | 16.5733% | 496 |
| Retained earnings to average equity (ytd only) | 12.6882% | 169 |
| Net charge-offs to loans | 0.7649% | 2,911 |
| Credit loss provision to net charge-offs | 137.8495% | 3,567 |
| Earnings coverage of net charge-offs (x) | 4.9839% | 2,729 |
| Efficiency ratio | 72.4956% | 4,184 |
| Assets per employee ($millions) | 2.0304% | 7,712 |
| Cash dividends to net income (ytd only)* | 23.4417% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6217% | 3,191 |
| Loan loss allowance to noncurrent loans | 129.7924% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 1.8234% | 3,638 |
| Noncurrent loans to loans | 1.2495% | 4,863 |
| Net loans and leases to total assets | 83.1376% | 530 |
| Net loans and leases to deposits | 118.6013% | 195 |
| Net loans and leases to core deposits | 135.2233% | 993 |
| Total domestic deposits to total assets | 70.0984% | 7,418 |
| Equity capital to assets | 9.9966% | 3,770 |
| Core capital (leverage) ratio | 9.6942% | 3,467 |
| Tier 1 risk-based capital ratio | 12.1711% | 4,797 |
| Total risk-based capital ratio | 13.4271% | 4,755 |
| Memoranda: | ||
| Average total assets | $711,217,800 | 958 |
| Average earning assets | $671,052,400 | 926 |
| Average equity | $63,499,800 | 1,041 |
| Average total loans | $575,081,000 | 828 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5772% | 3,992 |
| Cost of funding earning assets | 2.0947% | 2,913 |
| Net interest margin | 3.4826% | 4,937 |
| Noninterest income to average assets | 8.0207% | 91 |
| Noninterest expense to average assets | 8.0404% | 156 |
| Loan and lease loss provision to assets | 0.8887% | 2,167 |
| Net operating income to assets | 1.4408% | 941 |
| Return on assets (ROA) | 1.5174% | 838 |
| Pretax return on assets | 2.5048% | 190 |
| Return on Equity (ROE) | 17.4773% | 500 |
| Retained earnings to average equity (ytd only) | 13.7366% | 208 |
| Net charge-offs to loans | 0.9453% | 2,083 |
| Credit loss provision to net charge-offs | 117.4921% | 4,331 |
| Earnings coverage of net charge-offs (x) | 4.3281% | 3,175 |
| Efficiency ratio | 71.0649% | 4,410 |
| Assets per employee ($millions) | 2.2048% | 7,609 |
| Cash dividends to net income (ytd only)* | 21.4034% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 3,505 |
| Loan loss allowance to noncurrent loans | 67.1400% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 2.2816% | 3,000 |
| Noncurrent loans to loans | 2.2170% | 3,358 |
| Net loans and leases to total assets | 77.9381% | 1,587 |
| Net loans and leases to deposits | 105.5666% | 671 |
| Net loans and leases to core deposits | 123.9440% | 1,903 |
| Total domestic deposits to total assets | 73.8284% | 6,982 |
| Equity capital to assets | 9.4180% | 4,864 |
| Core capital (leverage) ratio | 9.1790% | 4,365 |
| Tier 1 risk-based capital ratio | 12.2168% | 4,772 |
| Total risk-based capital ratio | 13.4716% | 4,718 |
| Memoranda: | ||
| Average total assets | $722,530,500 | 954 |
| Average earning assets | $683,310,250 | 918 |
| Average equity | $62,731,250 | 1,066 |
| Average total loans | $578,152,250 | 842 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5978% | 4,089 |
| Cost of funding earning assets | 2.1608% | 2,984 |
| Net interest margin | 3.4369% | 5,038 |
| Noninterest income to average assets | 8.8932% | 79 |
| Noninterest expense to average assets | 8.6948% | 144 |
| Loan and lease loss provision to assets | 0.9371% | 1,802 |
| Net operating income to assets | 1.4903% | 855 |
| Return on assets (ROA) | 1.6038% | 740 |
| Pretax return on assets | 2.6882% | 156 |
| Return on Equity (ROE) | 18.9818% | 402 |
| Retained earnings to average equity (ytd only) | 16.2165% | 153 |
| Net charge-offs to loans | 0.9576% | 1,815 |
| Credit loss provision to net charge-offs | 121.8550% | 3,813 |
| Earnings coverage of net charge-offs (x) | 4.4837% | 3,085 |
| Efficiency ratio | 71.6051% | 4,484 |
| Assets per employee ($millions) | 2.2978% | 7,554 |
| Cash dividends to net income (ytd only)* | 14.5681% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 4,183 |
| Loan loss allowance to noncurrent loans | 117.3130% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 1.4610% | 4,051 |
| Noncurrent loans to loans | 1.1224% | 4,976 |
| Net loans and leases to total assets | 81.8179% | 985 |
| Net loans and leases to deposits | 111.0937% | 516 |
| Net loans and leases to core deposits | 129.9601% | 1,566 |
| Total domestic deposits to total assets | 73.6477% | 7,008 |
| Equity capital to assets | 8.6387% | 5,837 |
| Core capital (leverage) ratio | 8.6278% | 5,214 |
| Tier 1 risk-based capital ratio | 11.4691% | 5,418 |
| Total risk-based capital ratio | 12.7217% | 5,335 |
| Memoranda: | ||
| Average total assets | $731,866,330 | 952 |
| Average earning assets | $691,952,000 | 925 |
| Average equity | $61,838,330 | 1,101 |
| Average total loans | $587,710,670 | 846 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6129% | 4,278 |
| Cost of funding earning assets | 2.2518% | 2,912 |
| Net interest margin | 3.3611% | 5,284 |
| Noninterest income to average assets | 8.3203% | 78 |
| Noninterest expense to average assets | 8.0285% | 151 |
| Loan and lease loss provision to assets | 0.7523% | 1,712 |
| Net operating income to assets | 1.5679% | 830 |
| Return on assets (ROA) | 1.5679% | 908 |
| Pretax return on assets | 2.7247% | 168 |
| Return on Equity (ROE) | 18.7700% | 525 |
| Retained earnings to average equity (ytd only) | 18.7700% | 206 |
| Net charge-offs to loans | 0.8280% | 1,565 |
| Credit loss provision to net charge-offs | 115.0420% | 3,387 |
| Earnings coverage of net charge-offs (x) | 5.3168% | 2,699 |
| Efficiency ratio | 69.7793% | 4,627 |
| Assets per employee ($millions) | 2.4577% | 7,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 3,967 |
| Loan loss allowance to noncurrent loans | 118.2634% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.4465% | 3,762 |
| Noncurrent loans to loans | 1.1150% | 4,750 |
| Net loans and leases to total assets | 75.7866% | 2,320 |
| Net loans and leases to deposits | 104.6039% | 973 |
| Net loans and leases to core deposits | 122.6026% | 2,197 |
| Total domestic deposits to total assets | 72.4511% | 7,142 |
| Equity capital to assets | 8.2578% | 6,450 |
| Core capital (leverage) ratio | 8.3674% | 5,774 |
| Tier 1 risk-based capital ratio | 11.4022% | 5,508 |
| Total risk-based capital ratio | 12.6549% | 5,406 |
| Memoranda: | ||
| Average total assets | $727,855,000 | 958 |
| Average earning assets | $689,764,000 | 928 |
| Average equity | $60,799,000 | 1,128 |
| Average total loans | $574,846,500 | 867 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3227% | 3,842 |
| Cost of funding earning assets | 2.8350% | 2,554 |
| Net interest margin | 3.4876% | 5,336 |
| Noninterest income to average assets | 4.7012% | 132 |
| Noninterest expense to average assets | 5.8009% | 441 |
| Loan and lease loss provision to assets | 0.8334% | 1,788 |
| Net operating income to assets | 0.8602% | 3,174 |
| Return on assets (ROA) | 0.8614% | 3,015 |
| Pretax return on assets | 1.3572% | 2,103 |
| Return on Equity (ROE) | 9.7191% | 2,355 |
| Retained earnings to average equity (ytd only) | 4.1651% | 2,536 |
| Net charge-offs to loans | 1.0061% | 1,230 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 2.6262% | 4,776 |
| Efficiency ratio | 72.6052% | 3,825 |
| Assets per employee ($millions) | 2.4604% | 7,273 |
| Cash dividends to net income (ytd only)* | 57.1454% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 3,716 |
| Loan loss allowance to noncurrent loans | 259.5478% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 1.0453% | 4,206 |
| Noncurrent loans to loans | 0.5042% | 5,836 |
| Net loans and leases to total assets | 80.2584% | 1,601 |
| Net loans and leases to deposits | 115.9387% | 524 |
| Net loans and leases to core deposits | 137.7635% | 1,387 |
| Total domestic deposits to total assets | 69.2249% | 7,358 |
| Equity capital to assets | 8.4558% | 6,162 |
| Core capital (leverage) ratio | 9.0031% | 4,737 |
| Tier 1 risk-based capital ratio | 11.0020% | 5,725 |
| Total risk-based capital ratio | 12.2563% | 5,621 |
| Memoranda: | ||
| Average total assets | $650,690,600 | 1,030 |
| Average earning assets | $613,536,800 | 985 |
| Average equity | $57,669,800 | 1,160 |
| Average total loans | $538,997,600 | 887 |