Home > Alpine Bank & Trust Co. > Performance and Condition Ratios
Alpine Bank & Trust Co., Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1863% | 5,238 |
| Cost of funding earning assets | 0.1995% | 5,030 |
| Net interest margin | 2.9868% | 4,894 |
| Noninterest income to average assets | 1.0779% | 824 |
| Noninterest expense to average assets | 1.6425% | 5,237 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6407% | 822 |
| Return on assets (ROA) | 1.6353% | 838 |
| Pretax return on assets | 2.0789% | 508 |
| Return on Equity (ROE) | 13.6995% | 1,156 |
| Retained earnings to average equity (ytd only) | 13.6995% | 306 |
| Net charge-offs to loans | -0.0057% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6762% | 5,421 |
| Assets per employee ($millions) | 4.9081% | 2,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0029% | 5,493 |
| Loan loss allowance to noncurrent loans | 11.0048% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 4,932 |
| Noncurrent loans to loans | 0.0268% | 4,805 |
| Net loans and leases to total assets | 59.1713% | 3,887 |
| Net loans and leases to deposits | 70.3980% | 3,824 |
| Net loans and leases to core deposits | 73.0312% | 3,941 |
| Total domestic deposits to total assets | 84.0525% | 3,049 |
| Equity capital to assets | 13.8803% | 962 |
| Core capital (leverage) ratio | 8.1400% | 5,296 |
| Tier 1 risk-based capital ratio | 11.7486% | 4,654 |
| Total risk-based capital ratio | 11.8054% | 5,149 |
| Memoranda: | ||
| Average total assets | $1,301,571,670 | 603 |
| Average earning assets | $1,154,956,330 | 621 |
| Average equity | $155,363,000 | 544 |
| Average total loans | $802,078,000 | 692 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3133% | 5,598 |
| Cost of funding earning assets | 0.1088% | 5,438 |
| Net interest margin | 1.2044% | 5,594 |
| Noninterest income to average assets | 0.5600% | 2,471 |
| Noninterest expense to average assets | 0.9354% | 5,564 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5382% | 4,610 |
| Return on assets (ROA) | 0.5426% | 4,602 |
| Pretax return on assets | 0.7092% | 4,414 |
| Return on Equity (ROE) | 4.9585% | 4,506 |
| Retained earnings to average equity (ytd only) | 4.9585% | 3,198 |
| Net charge-offs to loans | -0.0030% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6270% | 5,329 |
| Assets per employee ($millions) | 4.2440% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0008% | 5,558 |
| Loan loss allowance to noncurrent loans | 2.9126% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,018 |
| Noncurrent loans to loans | 0.0259% | 4,865 |
| Net loans and leases to total assets | 59.2946% | 3,819 |
| Net loans and leases to deposits | 70.5449% | 3,737 |
| Net loans and leases to core deposits | 73.3229% | 3,865 |
| Total domestic deposits to total assets | 84.0523% | 3,310 |
| Equity capital to assets | 13.0422% | 1,224 |
| Core capital (leverage) ratio | 7.6742% | 5,476 |
| Tier 1 risk-based capital ratio | 10.9612% | 5,150 |
| Total risk-based capital ratio | 11.0290% | 5,500 |
| Memoranda: | ||
| Average total assets | $1,292,218,000 | 611 |
| Average earning assets | $1,157,720,500 | 628 |
| Average equity | $141,415,000 | 608 |
| Average total loans | $812,492,500 | 677 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6388% | 4,482 |
| Cost of funding earning assets | 0.2309% | 4,721 |
| Net interest margin | 3.4078% | 3,827 |
| Noninterest income to average assets | 1.8846% | 321 |
| Noninterest expense to average assets | 3.6666% | 831 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3585% | 1,101 |
| Return on assets (ROA) | 1.3613% | 1,116 |
| Pretax return on assets | 1.3762% | 2,066 |
| Return on Equity (ROE) | 15.7896% | 505 |
| Retained earnings to average equity (ytd only) | 0.6471% | 4,783 |
| Net charge-offs to loans | 0.4056% | 617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 5.1623% | 3,368 |
| Efficiency ratio | 72.7509% | 2,108 |
| Assets per employee ($millions) | 3.6039% | 4,567 |
| Cash dividends to net income (ytd only)* | 95.9016% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7838% | 4,874 |
| Loan loss allowance to noncurrent loans | 171.7908% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 3,651 |
| Noncurrent loans to loans | 0.4563% | 3,143 |
| Net loans and leases to total assets | 66.2150% | 3,075 |
| Net loans and leases to deposits | 74.5785% | 3,467 |
| Net loans and leases to core deposits | 77.3902% | 3,635 |
| Total domestic deposits to total assets | 88.7857% | 1,095 |
| Equity capital to assets | 8.6799% | 4,966 |
| Core capital (leverage) ratio | 8.6281% | 5,015 |
| Tier 1 risk-based capital ratio | 11.7670% | 4,678 |
| Total risk-based capital ratio | 12.4804% | 4,901 |
| Memoranda: | ||
| Average total assets | $1,260,004,800 | 605 |
| Average earning assets | $1,166,635,600 | 601 |
| Average equity | $108,634,800 | 753 |
| Average total loans | $826,453,000 | 636 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 4,587 |
| Cost of funding earning assets | 0.2287% | 4,748 |
| Net interest margin | 3.3625% | 3,976 |
| Noninterest income to average assets | 1.8665% | 344 |
| Noninterest expense to average assets | 3.6404% | 823 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3203% | 1,271 |
| Return on assets (ROA) | 1.3203% | 1,304 |
| Pretax return on assets | 1.3396% | 2,327 |
| Return on Equity (ROE) | 15.3384% | 611 |
| Retained earnings to average equity (ytd only) | 1.0636% | 4,957 |
| Net charge-offs to loans | 0.0170% | 3,172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 120.9589% | 624 |
| Efficiency ratio | 73.1014% | 2,025 |
| Assets per employee ($millions) | 3.5919% | 4,590 |
| Cash dividends to net income (ytd only)* | 93.0660% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 3,081 |
| Loan loss allowance to noncurrent loans | 222.5240% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3525% | 3,627 |
| Noncurrent loans to loans | 0.5261% | 3,118 |
| Net loans and leases to total assets | 65.1100% | 3,231 |
| Net loans and leases to deposits | 73.4532% | 3,626 |
| Net loans and leases to core deposits | 76.1544% | 3,791 |
| Total domestic deposits to total assets | 88.6415% | 1,046 |
| Equity capital to assets | 8.7164% | 5,135 |
| Core capital (leverage) ratio | 8.5437% | 5,214 |
| Tier 1 risk-based capital ratio | 11.5887% | 4,893 |
| Total risk-based capital ratio | 12.6394% | 4,911 |
| Memoranda: | ||
| Average total assets | $1,264,173,250 | 604 |
| Average earning assets | $1,170,574,500 | 600 |
| Average equity | $108,813,500 | 757 |
| Average total loans | $825,622,250 | 635 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5427% | 4,649 |
| Cost of funding earning assets | 0.2286% | 4,730 |
| Net interest margin | 3.3141% | 4,064 |
| Noninterest income to average assets | 1.8750% | 349 |
| Noninterest expense to average assets | 3.6516% | 816 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2733% | 1,370 |
| Return on assets (ROA) | 1.2733% | 1,396 |
| Pretax return on assets | 1.2924% | 2,413 |
| Return on Equity (ROE) | 14.8556% | 685 |
| Retained earnings to average equity (ytd only) | -2.4033% | 5,374 |
| Net charge-offs to loans | 0.0141% | 2,969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 140.8448% | 525 |
| Efficiency ratio | 73.8584% | 2,038 |
| Assets per employee ($millions) | 3.5827% | 4,603 |
| Cash dividends to net income (ytd only)* | 116.1779% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 3,137 |
| Loan loss allowance to noncurrent loans | 275.7670% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 3,992 |
| Noncurrent loans to loans | 0.4280% | 3,480 |
| Net loans and leases to total assets | 63.9603% | 3,391 |
| Net loans and leases to deposits | 72.0572% | 3,732 |
| Net loans and leases to core deposits | 74.8394% | 3,871 |
| Total domestic deposits to total assets | 88.7632% | 1,073 |
| Equity capital to assets | 8.4252% | 5,343 |
| Core capital (leverage) ratio | 8.3704% | 5,307 |
| Tier 1 risk-based capital ratio | 11.2675% | 5,108 |
| Total risk-based capital ratio | 12.3140% | 5,116 |
| Memoranda: | ||
| Average total assets | $1,264,115,000 | 607 |
| Average earning assets | $1,170,632,330 | 599 |
| Average equity | $108,349,670 | 758 |
| Average total loans | $823,173,670 | 643 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4886% | 4,725 |
| Cost of funding earning assets | 0.2312% | 4,705 |
| Net interest margin | 3.2574% | 4,144 |
| Noninterest income to average assets | 1.9266% | 326 |
| Noninterest expense to average assets | 3.6425% | 839 |
| Loan and lease loss provision to assets | 0.0638% | 2,527 |
| Net operating income to assets | 1.2177% | 1,466 |
| Return on assets (ROA) | 1.2177% | 1,502 |
| Pretax return on assets | 1.2387% | 2,452 |
| Return on Equity (ROE) | 14.0839% | 794 |
| Retained earnings to average equity (ytd only) | 0.6268% | 4,768 |
| Net charge-offs to loans | -0.0039% | 4,119 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6608% | 2,290 |
| Assets per employee ($millions) | 3.6006% | 4,645 |
| Cash dividends to net income (ytd only)* | 95.5497% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 3,007 |
| Loan loss allowance to noncurrent loans | 336.9267% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 4,247 |
| Noncurrent loans to loans | 0.3622% | 3,794 |
| Net loans and leases to total assets | 64.6404% | 3,174 |
| Net loans and leases to deposits | 72.6288% | 3,552 |
| Net loans and leases to core deposits | 75.4845% | 3,699 |
| Total domestic deposits to total assets | 89.0010% | 1,141 |
| Equity capital to assets | 8.6255% | 5,128 |
| Core capital (leverage) ratio | 8.6346% | 5,116 |
| Tier 1 risk-based capital ratio | 11.5221% | 5,016 |
| Total risk-based capital ratio | 12.6045% | 5,018 |
| Memoranda: | ||
| Average total assets | $1,254,860,500 | 614 |
| Average earning assets | $1,162,766,000 | 607 |
| Average equity | $108,492,500 | 757 |
| Average total loans | $819,676,500 | 648 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4021% | 4,973 |
| Cost of funding earning assets | 0.2759% | 4,301 |
| Net interest margin | 3.1262% | 4,654 |
| Noninterest income to average assets | 1.8507% | 379 |
| Noninterest expense to average assets | 3.6152% | 992 |
| Loan and lease loss provision to assets | 0.0363% | 3,640 |
| Net operating income to assets | 1.0925% | 1,927 |
| Return on assets (ROA) | 1.2008% | 1,593 |
| Pretax return on assets | 1.2115% | 2,616 |
| Return on Equity (ROE) | 13.4932% | 882 |
| Retained earnings to average equity (ytd only) | 4.0220% | 3,056 |
| Net charge-offs to loans | 0.0839% | 2,490 |
| Credit loss provision to net charge-offs | 69.1244% | 3,146 |
| Earnings coverage of net charge-offs (x) | 21.7005% | 1,772 |
| Efficiency ratio | 76.0523% | 1,972 |
| Assets per employee ($millions) | 3.4902% | 4,776 |
| Cash dividends to net income (ytd only)* | 70.1919% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 3,063 |
| Loan loss allowance to noncurrent loans | 306.7538% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3170% | 4,008 |
| Noncurrent loans to loans | 0.3944% | 3,731 |
| Net loans and leases to total assets | 64.4115% | 3,305 |
| Net loans and leases to deposits | 72.5982% | 3,649 |
| Net loans and leases to core deposits | 75.9617% | 3,750 |
| Total domestic deposits to total assets | 88.7233% | 1,252 |
| Equity capital to assets | 8.6663% | 5,135 |
| Core capital (leverage) ratio | 8.6314% | 5,139 |
| Tier 1 risk-based capital ratio | 11.5988% | 4,986 |
| Total risk-based capital ratio | 12.6676% | 5,007 |
| Memoranda: | ||
| Average total assets | $1,240,983,400 | 598 |
| Average earning assets | $1,152,310,400 | 584 |
| Average equity | $110,441,200 | 726 |
| Average total loans | $775,609,200 | 647 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3747% | 5,070 |
| Cost of funding earning assets | 0.2852% | 4,251 |
| Net interest margin | 3.0895% | 4,800 |
| Noninterest income to average assets | 1.7965% | 407 |
| Noninterest expense to average assets | 3.6019% | 994 |
| Loan and lease loss provision to assets | 0.0215% | 3,810 |
| Net operating income to assets | 1.0312% | 2,286 |
| Return on assets (ROA) | 1.1759% | 1,822 |
| Pretax return on assets | 1.1900% | 2,872 |
| Return on Equity (ROE) | 13.1263% | 1,018 |
| Retained earnings to average equity (ytd only) | 0.5598% | 5,215 |
| Net charge-offs to loans | 0.0435% | 2,773 |
| Credit loss provision to net charge-offs | 80.0000% | 2,660 |
| Earnings coverage of net charge-offs (x) | 39.5954% | 1,255 |
| Efficiency ratio | 77.1739% | 1,811 |
| Assets per employee ($millions) | 3.5583% | 4,709 |
| Cash dividends to net income (ytd only)* | 95.7349% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,871 |
| Loan loss allowance to noncurrent loans | 536.8562% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 4,617 |
| Noncurrent loans to loans | 0.2354% | 4,430 |
| Net loans and leases to total assets | 62.2480% | 3,617 |
| Net loans and leases to deposits | 70.3012% | 3,961 |
| Net loans and leases to core deposits | 73.6547% | 4,027 |
| Total domestic deposits to total assets | 88.5447% | 1,135 |
| Equity capital to assets | 8.8687% | 5,268 |
| Core capital (leverage) ratio | 8.3718% | 5,449 |
| Tier 1 risk-based capital ratio | 11.4012% | 5,153 |
| Total risk-based capital ratio | 12.5185% | 5,116 |
| Memoranda: | ||
| Average total assets | $1,238,854,000 | 593 |
| Average earning assets | $1,151,172,500 | 586 |
| Average equity | $110,980,250 | 724 |
| Average total loans | $765,842,000 | 651 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3535% | 5,177 |
| Cost of funding earning assets | 0.2975% | 4,162 |
| Net interest margin | 3.0560% | 4,959 |
| Noninterest income to average assets | 1.7630% | 410 |
| Noninterest expense to average assets | 3.5496% | 1,083 |
| Loan and lease loss provision to assets | 0.0324% | 3,492 |
| Net operating income to assets | 1.0117% | 2,338 |
| Return on assets (ROA) | 1.2297% | 1,598 |
| Pretax return on assets | 1.2437% | 2,625 |
| Return on Equity (ROE) | 13.6809% | 886 |
| Retained earnings to average equity (ytd only) | -0.9527% | 5,432 |
| Net charge-offs to loans | 0.0478% | 2,529 |
| Credit loss provision to net charge-offs | 110.4972% | 1,955 |
| Earnings coverage of net charge-offs (x) | 35.9669% | 1,236 |
| Efficiency ratio | 77.0734% | 1,920 |
| Assets per employee ($millions) | 3.4615% | 4,817 |
| Cash dividends to net income (ytd only)* | 106.9639% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 2,886 |
| Loan loss allowance to noncurrent loans | 551.5052% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 4,681 |
| Noncurrent loans to loans | 0.2327% | 4,508 |
| Net loans and leases to total assets | 62.0256% | 3,622 |
| Net loans and leases to deposits | 70.3462% | 3,953 |
| Net loans and leases to core deposits | 74.2907% | 3,959 |
| Total domestic deposits to total assets | 88.1720% | 1,340 |
| Equity capital to assets | 8.9738% | 5,258 |
| Core capital (leverage) ratio | 8.2626% | 5,560 |
| Tier 1 risk-based capital ratio | 11.4575% | 5,186 |
| Total risk-based capital ratio | 12.5990% | 5,146 |
| Memoranda: | ||
| Average total assets | $1,233,107,670 | 593 |
| Average earning assets | $1,146,927,000 | 585 |
| Average equity | $110,840,670 | 727 |
| Average total loans | $757,156,000 | 657 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3575% | 5,212 |
| Cost of funding earning assets | 0.3019% | 4,144 |
| Net interest margin | 3.0556% | 4,983 |
| Noninterest income to average assets | 1.6727% | 433 |
| Noninterest expense to average assets | 3.4927% | 1,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0134% | 2,219 |
| Return on assets (ROA) | 1.0483% | 2,201 |
| Pretax return on assets | 1.0574% | 3,247 |
| Return on Equity (ROE) | 11.6524% | 1,411 |
| Retained earnings to average equity (ytd only) | -2.5410% | 5,435 |
| Net charge-offs to loans | 0.0124% | 2,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 136.0870% | 434 |
| Efficiency ratio | 77.3599% | 1,984 |
| Assets per employee ($millions) | 3.5599% | 4,724 |
| Cash dividends to net income (ytd only)* | 121.8069% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 2,712 |
| Loan loss allowance to noncurrent loans | 493.5563% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 4,677 |
| Noncurrent loans to loans | 0.2713% | 4,462 |
| Net loans and leases to total assets | 59.5083% | 3,845 |
| Net loans and leases to deposits | 67.1600% | 4,141 |
| Net loans and leases to core deposits | 71.8070% | 4,078 |
| Total domestic deposits to total assets | 88.6069% | 1,302 |
| Equity capital to assets | 8.9287% | 5,244 |
| Core capital (leverage) ratio | 8.4528% | 5,436 |
| Tier 1 risk-based capital ratio | 11.8809% | 4,987 |
| Total risk-based capital ratio | 13.0579% | 4,944 |
| Memoranda: | ||
| Average total assets | $1,224,853,000 | 596 |
| Average earning assets | $1,139,293,500 | 585 |
| Average equity | $110,192,000 | 733 |
| Average total loans | $743,154,500 | 669 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3863% | 5,190 |
| Cost of funding earning assets | 0.2825% | 4,455 |
| Net interest margin | 3.1038% | 4,891 |
| Noninterest income to average assets | 1.8023% | 410 |
| Noninterest expense to average assets | 3.5106% | 1,274 |
| Loan and lease loss provision to assets | 0.0084% | 4,229 |
| Net operating income to assets | 1.1531% | 1,717 |
| Return on assets (ROA) | 1.1951% | 1,639 |
| Pretax return on assets | 1.2084% | 2,629 |
| Return on Equity (ROE) | 13.1353% | 1,025 |
| Retained earnings to average equity (ytd only) | 3.0616% | 3,879 |
| Net charge-offs to loans | 0.0744% | 2,766 |
| Credit loss provision to net charge-offs | 19.7239% | 3,752 |
| Earnings coverage of net charge-offs (x) | 27.6706% | 1,541 |
| Efficiency ratio | 74.9343% | 2,436 |
| Assets per employee ($millions) | 3.4994% | 4,840 |
| Cash dividends to net income (ytd only)* | 76.6914% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 2,585 |
| Loan loss allowance to noncurrent loans | 492.0254% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 4,585 |
| Noncurrent loans to loans | 0.2774% | 4,464 |
| Net loans and leases to total assets | 60.2073% | 3,805 |
| Net loans and leases to deposits | 67.1412% | 4,207 |
| Net loans and leases to core deposits | 71.1265% | 4,202 |
| Total domestic deposits to total assets | 89.6727% | 769 |
| Equity capital to assets | 9.0660% | 5,058 |
| Core capital (leverage) ratio | 8.5215% | 5,403 |
| Tier 1 risk-based capital ratio | 11.8017% | 5,067 |
| Total risk-based capital ratio | 12.9602% | 5,043 |
| Memoranda: | ||
| Average total assets | $1,194,673,400 | 589 |
| Average earning assets | $1,109,498,000 | 581 |
| Average equity | $108,699,600 | 708 |
| Average total loans | $681,497,600 | 692 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3374% | 5,347 |
| Cost of funding earning assets | 0.2880% | 4,469 |
| Net interest margin | 3.0495% | 5,076 |
| Noninterest income to average assets | 1.7910% | 419 |
| Noninterest expense to average assets | 3.4914% | 1,302 |
| Loan and lease loss provision to assets | 0.0084% | 4,094 |
| Net operating income to assets | 1.1107% | 1,957 |
| Return on assets (ROA) | 1.1669% | 1,839 |
| Pretax return on assets | 1.1801% | 2,890 |
| Return on Equity (ROE) | 12.8131% | 1,172 |
| Retained earnings to average equity (ytd only) | -0.5185% | 5,695 |
| Net charge-offs to loans | 0.0441% | 3,012 |
| Credit loss provision to net charge-offs | 33.9367% | 3,235 |
| Earnings coverage of net charge-offs (x) | 45.7646% | 1,121 |
| Efficiency ratio | 75.5198% | 2,315 |
| Assets per employee ($millions) | 3.5982% | 4,612 |
| Cash dividends to net income (ytd only)* | 104.0469% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4373% | 2,420 |
| Loan loss allowance to noncurrent loans | 363.1820% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 4,606 |
| Noncurrent loans to loans | 0.3957% | 4,198 |
| Net loans and leases to total assets | 58.8744% | 4,030 |
| Net loans and leases to deposits | 65.6713% | 4,410 |
| Net loans and leases to core deposits | 70.1115% | 4,361 |
| Total domestic deposits to total assets | 89.6501% | 712 |
| Equity capital to assets | 8.9223% | 5,379 |
| Core capital (leverage) ratio | 8.1787% | 5,790 |
| Tier 1 risk-based capital ratio | 11.6500% | 5,297 |
| Total risk-based capital ratio | 12.8663% | 5,243 |
| Memoranda: | ||
| Average total assets | $1,191,515,000 | 594 |
| Average earning assets | $1,106,613,500 | 585 |
| Average equity | $108,511,000 | 715 |
| Average total loans | $667,636,000 | 706 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2900% | 5,456 |
| Cost of funding earning assets | 0.2895% | 4,513 |
| Net interest margin | 3.0005% | 5,217 |
| Noninterest income to average assets | 1.7708% | 440 |
| Noninterest expense to average assets | 3.4058% | 1,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1387% | 1,810 |
| Return on assets (ROA) | 1.1740% | 1,753 |
| Pretax return on assets | 1.1871% | 2,827 |
| Return on Equity (ROE) | 12.8036% | 1,155 |
| Retained earnings to average equity (ytd only) | 2.2471% | 4,590 |
| Net charge-offs to loans | 0.0447% | 2,803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 46.8493% | 1,005 |
| Efficiency ratio | 74.7340% | 2,570 |
| Assets per employee ($millions) | 3.5448% | 4,719 |
| Cash dividends to net income (ytd only)* | 82.4491% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5064% | 2,274 |
| Loan loss allowance to noncurrent loans | 310.8768% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 4,345 |
| Noncurrent loans to loans | 0.4846% | 4,022 |
| Net loans and leases to total assets | 55.4854% | 4,389 |
| Net loans and leases to deposits | 61.8337% | 4,716 |
| Net loans and leases to core deposits | 66.9828% | 4,573 |
| Total domestic deposits to total assets | 89.7332% | 773 |
| Equity capital to assets | 8.9467% | 5,285 |
| Core capital (leverage) ratio | 8.4643% | 5,566 |
| Tier 1 risk-based capital ratio | 12.0816% | 5,089 |
| Total risk-based capital ratio | 13.3188% | 4,992 |
| Memoranda: | ||
| Average total assets | $1,188,081,670 | 598 |
| Average earning assets | $1,103,337,330 | 581 |
| Average equity | $108,938,000 | 706 |
| Average total loans | $652,555,000 | 718 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2768% | 5,499 |
| Cost of funding earning assets | 0.2947% | 4,500 |
| Net interest margin | 2.9822% | 5,266 |
| Noninterest income to average assets | 1.6805% | 453 |
| Noninterest expense to average assets | 3.3439% | 1,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0922% | 1,897 |
| Return on assets (ROA) | 1.1637% | 1,761 |
| Pretax return on assets | 1.1773% | 2,750 |
| Return on Equity (ROE) | 12.5339% | 1,207 |
| Retained earnings to average equity (ytd only) | 6.2963% | 2,334 |
| Net charge-offs to loans | 0.0949% | 1,777 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 21.4834% | 1,378 |
| Efficiency ratio | 75.1608% | 2,639 |
| Assets per employee ($millions) | 3.5014% | 4,897 |
| Cash dividends to net income (ytd only)* | 49.7658% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5904% | 2,084 |
| Loan loss allowance to noncurrent loans | 274.9400% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.4779% | 4,118 |
| Noncurrent loans to loans | 0.5784% | 3,846 |
| Net loans and leases to total assets | 53.7626% | 4,476 |
| Net loans and leases to deposits | 60.1266% | 4,739 |
| Net loans and leases to core deposits | 64.4269% | 4,659 |
| Total domestic deposits to total assets | 89.4157% | 1,036 |
| Equity capital to assets | 9.3517% | 4,906 |
| Core capital (leverage) ratio | 8.7811% | 5,228 |
| Tier 1 risk-based capital ratio | 12.4994% | 4,906 |
| Total risk-based capital ratio | 13.7574% | 4,805 |
| Memoranda: | ||
| Average total assets | $1,174,185,000 | 599 |
| Average earning assets | $1,090,078,500 | 583 |
| Average equity | $109,016,500 | 704 |
| Average total loans | $636,357,000 | 733 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3614% | 5,601 |
| Cost of funding earning assets | 0.3386% | 4,382 |
| Net interest margin | 3.0228% | 5,398 |
| Noninterest income to average assets | 1.6803% | 450 |
| Noninterest expense to average assets | 3.3767% | 1,747 |
| Loan and lease loss provision to assets | -0.1688% | 6,251 |
| Net operating income to assets | 1.2812% | 1,344 |
| Return on assets (ROA) | 1.3132% | 1,322 |
| Pretax return on assets | 1.3261% | 2,154 |
| Return on Equity (ROE) | 14.4421% | 855 |
| Retained earnings to average equity (ytd only) | 2.4292% | 4,501 |
| Net charge-offs to loans | 0.0411% | 4,003 |
| Credit loss provision to net charge-offs | -776.8924% | 5,862 |
| Earnings coverage of net charge-offs (x) | 51.7769% | 906 |
| Efficiency ratio | 75.0111% | 2,664 |
| Assets per employee ($millions) | 3.3860% | 5,093 |
| Cash dividends to net income (ytd only)* | 83.1795% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6763% | 1,837 |
| Loan loss allowance to noncurrent loans | 328.9532% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.4629% | 4,262 |
| Noncurrent loans to loans | 0.5096% | 4,138 |
| Net loans and leases to total assets | 52.8492% | 4,707 |
| Net loans and leases to deposits | 59.1037% | 4,976 |
| Net loans and leases to core deposits | 63.1488% | 4,905 |
| Total domestic deposits to total assets | 89.4177% | 1,006 |
| Equity capital to assets | 9.2157% | 5,049 |
| Core capital (leverage) ratio | 8.4451% | 5,615 |
| Tier 1 risk-based capital ratio | 13.0798% | 4,672 |
| Total risk-based capital ratio | 14.3365% | 4,589 |
| Memoranda: | ||
| Average total assets | $1,155,309,000 | 586 |
| Average earning assets | $1,078,262,800 | 567 |
| Average equity | $105,054,200 | 693 |
| Average total loans | $610,562,400 | 718 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3471% | 5,680 |
| Cost of funding earning assets | 0.3388% | 4,479 |
| Net interest margin | 3.0083% | 5,488 |
| Noninterest income to average assets | 1.7311% | 433 |
| Noninterest expense to average assets | 3.2962% | 1,906 |
| Loan and lease loss provision to assets | -0.1964% | 6,382 |
| Net operating income to assets | 1.4301% | 1,070 |
| Return on assets (ROA) | 1.4728% | 1,019 |
| Pretax return on assets | 1.4869% | 1,688 |
| Return on Equity (ROE) | 16.2517% | 650 |
| Retained earnings to average equity (ytd only) | 4.6224% | 3,344 |
| Net charge-offs to loans | 0.0477% | 3,543 |
| Credit loss provision to net charge-offs | -783.4101% | 5,830 |
| Earnings coverage of net charge-offs (x) | 49.7413% | 982 |
| Efficiency ratio | 72.5469% | 3,081 |
| Assets per employee ($millions) | 3.5329% | 4,800 |
| Cash dividends to net income (ytd only)* | 71.5575% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7385% | 1,858 |
| Loan loss allowance to noncurrent loans | 255.4790% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 4,447 |
| Noncurrent loans to loans | 0.6805% | 3,907 |
| Net loans and leases to total assets | 51.3284% | 4,867 |
| Net loans and leases to deposits | 57.3275% | 5,149 |
| Net loans and leases to core deposits | 61.9292% | 5,036 |
| Total domestic deposits to total assets | 89.5354% | 969 |
| Equity capital to assets | 8.9670% | 5,386 |
| Core capital (leverage) ratio | 8.5580% | 5,589 |
| Tier 1 risk-based capital ratio | 13.3410% | 4,652 |
| Total risk-based capital ratio | 14.5953% | 4,577 |
| Memoranda: | ||
| Average total assets | $1,153,790,750 | 582 |
| Average earning assets | $1,078,681,000 | 569 |
| Average equity | $104,560,500 | 696 |
| Average total loans | $607,141,750 | 724 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3378% | 5,738 |
| Cost of funding earning assets | 0.3377% | 4,562 |
| Net interest margin | 3.0001% | 5,526 |
| Noninterest income to average assets | 1.7289% | 435 |
| Noninterest expense to average assets | 3.3156% | 1,880 |
| Loan and lease loss provision to assets | -0.2972% | 6,527 |
| Net operating income to assets | 1.5085% | 856 |
| Return on assets (ROA) | 1.5743% | 779 |
| Pretax return on assets | 1.5885% | 1,281 |
| Return on Equity (ROE) | 17.3090% | 521 |
| Retained earnings to average equity (ytd only) | 5.8325% | 2,427 |
| Net charge-offs to loans | 0.0196% | 3,823 |
| Credit loss provision to net charge-offs | -2,881.3559% | 5,858 |
| Earnings coverage of net charge-offs (x) | 118.7288% | 491 |
| Efficiency ratio | 73.0245% | 3,157 |
| Assets per employee ($millions) | 3.4450% | 4,960 |
| Cash dividends to net income (ytd only)* | 66.3039% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8298% | 1,762 |
| Loan loss allowance to noncurrent loans | 213.5082% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 4,629 |
| Noncurrent loans to loans | 0.8570% | 3,559 |
| Net loans and leases to total assets | 49.8066% | 4,981 |
| Net loans and leases to deposits | 55.5897% | 5,228 |
| Net loans and leases to core deposits | 60.0432% | 5,131 |
| Total domestic deposits to total assets | 89.5968% | 1,019 |
| Equity capital to assets | 9.0537% | 5,244 |
| Core capital (leverage) ratio | 8.6571% | 5,462 |
| Tier 1 risk-based capital ratio | 13.7925% | 4,395 |
| Total risk-based capital ratio | 15.0488% | 4,340 |
| Memoranda: | ||
| Average total assets | $1,143,877,000 | 589 |
| Average earning assets | $1,071,964,670 | 567 |
| Average equity | $104,038,330 | 701 |
| Average total loans | $603,443,670 | 720 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3772% | 5,698 |
| Cost of funding earning assets | 0.3411% | 4,634 |
| Net interest margin | 3.0361% | 5,424 |
| Noninterest income to average assets | 1.6922% | 436 |
| Noninterest expense to average assets | 3.3941% | 1,717 |
| Loan and lease loss provision to assets | -0.6026% | 6,677 |
| Net operating income to assets | 1.7504% | 523 |
| Return on assets (ROA) | 1.7553% | 535 |
| Pretax return on assets | 1.7674% | 844 |
| Return on Equity (ROE) | 19.2538% | 340 |
| Retained earnings to average equity (ytd only) | 16.4544% | 247 |
| Net charge-offs to loans | -0.0105% | 5,067 |
| Credit loss provision to net charge-offs | 10,625.0000% | 22 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5310% | 3,042 |
| Assets per employee ($millions) | 3.4472% | 5,041 |
| Cash dividends to net income (ytd only)* | 14.5396% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8034% | 2,029 |
| Loan loss allowance to noncurrent loans | 204.0320% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 4,662 |
| Noncurrent loans to loans | 0.8839% | 3,672 |
| Net loans and leases to total assets | 52.2459% | 4,645 |
| Net loans and leases to deposits | 58.3141% | 4,907 |
| Net loans and leases to core deposits | 61.7991% | 4,902 |
| Total domestic deposits to total assets | 89.5939% | 1,313 |
| Equity capital to assets | 9.2563% | 4,804 |
| Core capital (leverage) ratio | 9.0240% | 4,973 |
| Tier 1 risk-based capital ratio | 13.9100% | 4,384 |
| Total risk-based capital ratio | 15.1632% | 4,328 |
| Memoranda: | ||
| Average total assets | $1,128,443,000 | 599 |
| Average earning assets | $1,063,596,000 | 578 |
| Average equity | $102,878,500 | 706 |
| Average total loans | $607,162,500 | 713 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2991% | 6,001 |
| Cost of funding earning assets | 0.3447% | 5,198 |
| Net interest margin | 2.9545% | 5,670 |
| Noninterest income to average assets | 1.7215% | 497 |
| Noninterest expense to average assets | 3.2565% | 2,262 |
| Loan and lease loss provision to assets | 0.2807% | 1,230 |
| Net operating income to assets | 0.9595% | 2,514 |
| Return on assets (ROA) | 1.0405% | 2,223 |
| Pretax return on assets | 1.0540% | 3,141 |
| Return on Equity (ROE) | 11.2173% | 1,696 |
| Retained earnings to average equity (ytd only) | 3.0573% | 4,053 |
| Net charge-offs to loans | 0.4046% | 1,665 |
| Credit loss provision to net charge-offs | 129.0243% | 1,817 |
| Earnings coverage of net charge-offs (x) | 5.7587% | 3,222 |
| Efficiency ratio | 72.2146% | 3,438 |
| Assets per employee ($millions) | 3.3010% | 5,292 |
| Cash dividends to net income (ytd only)* | 72.7445% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0920% | 1,349 |
| Loan loss allowance to noncurrent loans | 305.9918% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 5,063 |
| Noncurrent loans to loans | 0.6837% | 4,263 |
| Net loans and leases to total assets | 53.2841% | 4,681 |
| Net loans and leases to deposits | 59.3206% | 5,000 |
| Net loans and leases to core deposits | 62.9228% | 4,975 |
| Total domestic deposits to total assets | 89.8239% | 1,164 |
| Equity capital to assets | 8.9734% | 5,067 |
| Core capital (leverage) ratio | 8.5664% | 5,590 |
| Tier 1 risk-based capital ratio | 13.4455% | 4,686 |
| Total risk-based capital ratio | 14.7017% | 4,622 |
| Memoranda: | ||
| Average total assets | $1,116,372,000 | 592 |
| Average earning assets | $1,053,495,400 | 562 |
| Average equity | $103,554,200 | 686 |
| Average total loans | $600,399,200 | 696 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2489% | 6,136 |
| Cost of funding earning assets | 0.3397% | 5,384 |
| Net interest margin | 2.9092% | 5,793 |
| Noninterest income to average assets | 1.7482% | 508 |
| Noninterest expense to average assets | 3.2495% | 2,205 |
| Loan and lease loss provision to assets | 0.2906% | 1,184 |
| Net operating income to assets | 0.9397% | 2,642 |
| Return on assets (ROA) | 1.0476% | 2,275 |
| Pretax return on assets | 1.0621% | 3,259 |
| Return on Equity (ROE) | 11.2024% | 1,751 |
| Retained earnings to average equity (ytd only) | 6.4172% | 2,177 |
| Net charge-offs to loans | 0.2986% | 2,044 |
| Credit loss provision to net charge-offs | 181.4456% | 1,339 |
| Earnings coverage of net charge-offs (x) | 7.7668% | 2,735 |
| Efficiency ratio | 72.3197% | 3,344 |
| Assets per employee ($millions) | 3.3278% | 5,231 |
| Cash dividends to net income (ytd only)* | 42.7156% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1700% | 1,381 |
| Loan loss allowance to noncurrent loans | 212.1749% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 4,718 |
| Noncurrent loans to loans | 1.0227% | 3,754 |
| Net loans and leases to total assets | 52.3182% | 4,838 |
| Net loans and leases to deposits | 58.4275% | 5,147 |
| Net loans and leases to core deposits | 62.2655% | 5,089 |
| Total domestic deposits to total assets | 89.5438% | 1,269 |
| Equity capital to assets | 9.0699% | 5,103 |
| Core capital (leverage) ratio | 8.8021% | 5,411 |
| Tier 1 risk-based capital ratio | 13.8942% | 4,498 |
| Total risk-based capital ratio | 15.1533% | 4,449 |
| Memoranda: | ||
| Average total assets | $1,117,359,500 | 591 |
| Average earning assets | $1,054,289,750 | 564 |
| Average equity | $104,487,250 | 682 |
| Average total loans | $599,146,750 | 699 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2001% | 6,227 |
| Cost of funding earning assets | 0.3367% | 5,507 |
| Net interest margin | 2.8634% | 5,866 |
| Noninterest income to average assets | 1.7760% | 535 |
| Noninterest expense to average assets | 3.2294% | 2,276 |
| Loan and lease loss provision to assets | 0.2931% | 1,235 |
| Net operating income to assets | 0.9467% | 2,586 |
| Return on assets (ROA) | 1.1088% | 2,017 |
| Pretax return on assets | 1.1225% | 3,005 |
| Return on Equity (ROE) | 11.7386% | 1,570 |
| Retained earnings to average equity (ytd only) | 6.5160% | 2,131 |
| Net charge-offs to loans | 0.4085% | 1,584 |
| Credit loss provision to net charge-offs | 133.7152% | 1,696 |
| Earnings coverage of net charge-offs (x) | 5.7103% | 2,840 |
| Efficiency ratio | 72.0657% | 3,456 |
| Assets per employee ($millions) | 3.2637% | 5,345 |
| Cash dividends to net income (ytd only)* | 44.4912% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0285% | 1,792 |
| Loan loss allowance to noncurrent loans | 137.5737% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.8375% | 4,148 |
| Noncurrent loans to loans | 1.4745% | 3,095 |
| Net loans and leases to total assets | 52.9144% | 4,751 |
| Net loans and leases to deposits | 58.9756% | 5,074 |
| Net loans and leases to core deposits | 62.4042% | 5,061 |
| Total domestic deposits to total assets | 89.7226% | 1,192 |
| Equity capital to assets | 9.0699% | 5,147 |
| Core capital (leverage) ratio | 8.7204% | 5,388 |
| Tier 1 risk-based capital ratio | 13.7440% | 4,610 |
| Total risk-based capital ratio | 15.0038% | 4,575 |
| Memoranda: | ||
| Average total assets | $1,114,878,670 | 594 |
| Average earning assets | $1,053,282,330 | 564 |
| Average equity | $105,310,330 | 679 |
| Average total loans | $598,352,670 | 696 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1973% | 6,296 |
| Cost of funding earning assets | 0.3499% | 5,532 |
| Net interest margin | 2.8474% | 5,922 |
| Noninterest income to average assets | 1.7839% | 510 |
| Noninterest expense to average assets | 3.1799% | 2,417 |
| Loan and lease loss provision to assets | 0.3250% | 1,037 |
| Net operating income to assets | 0.9573% | 2,413 |
| Return on assets (ROA) | 1.2837% | 1,426 |
| Pretax return on assets | 1.3007% | 2,230 |
| Return on Equity (ROE) | 13.3202% | 1,096 |
| Retained earnings to average equity (ytd only) | 8.8239% | 1,445 |
| Net charge-offs to loans | 0.0270% | 3,652 |
| Credit loss provision to net charge-offs | 2,250.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 89.7250% | 427 |
| Efficiency ratio | 71.0448% | 3,781 |
| Assets per employee ($millions) | 3.2958% | 5,442 |
| Cash dividends to net income (ytd only)* | 33.7553% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1578% | 1,669 |
| Loan loss allowance to noncurrent loans | 96.3692% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.2591% | 3,464 |
| Noncurrent loans to loans | 2.2391% | 2,340 |
| Net loans and leases to total assets | 52.4923% | 4,623 |
| Net loans and leases to deposits | 58.7600% | 4,942 |
| Net loans and leases to core deposits | 61.7295% | 4,977 |
| Total domestic deposits to total assets | 89.3334% | 1,463 |
| Equity capital to assets | 9.6456% | 4,644 |
| Core capital (leverage) ratio | 8.7700% | 5,232 |
| Tier 1 risk-based capital ratio | 14.2500% | 4,326 |
| Total risk-based capital ratio | 15.5255% | 4,277 |
| Memoranda: | ||
| Average total assets | $1,107,696,000 | 604 |
| Average earning assets | $1,047,255,500 | 575 |
| Average equity | $106,755,000 | 678 |
| Average total loans | $592,576,500 | 704 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6189% | 6,195 |
| Cost of funding earning assets | 0.4622% | 5,479 |
| Net interest margin | 3.1567% | 5,671 |
| Noninterest income to average assets | 1.7362% | 541 |
| Noninterest expense to average assets | 3.1655% | 2,722 |
| Loan and lease loss provision to assets | 0.5797% | 961 |
| Net operating income to assets | 0.9465% | 2,567 |
| Return on assets (ROA) | 0.9915% | 2,596 |
| Pretax return on assets | 0.9987% | 3,551 |
| Return on Equity (ROE) | 10.1895% | 2,093 |
| Retained earnings to average equity (ytd only) | 1.2568% | 5,239 |
| Net charge-offs to loans | 1.8515% | 424 |
| Credit loss provision to net charge-offs | 58.2459% | 4,492 |
| Earnings coverage of net charge-offs (x) | 1.5402% | 4,672 |
| Efficiency ratio | 67.3731% | 4,255 |
| Assets per employee ($millions) | 3.2878% | 5,444 |
| Cash dividends to net income (ytd only)* | 87.6654% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0236% | 1,960 |
| Loan loss allowance to noncurrent loans | 87.2165% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.3083% | 3,468 |
| Noncurrent loans to loans | 2.3202% | 2,321 |
| Net loans and leases to total assets | 52.2634% | 4,891 |
| Net loans and leases to deposits | 58.5171% | 5,181 |
| Net loans and leases to core deposits | 61.2042% | 5,248 |
| Total domestic deposits to total assets | 89.3129% | 1,362 |
| Equity capital to assets | 9.6296% | 4,691 |
| Core capital (leverage) ratio | 8.4663% | 5,668 |
| Tier 1 risk-based capital ratio | 13.6934% | 4,609 |
| Total risk-based capital ratio | 14.9697% | 4,538 |
| Memoranda: | ||
| Average total assets | $1,082,592,600 | 603 |
| Average earning assets | $1,015,930,600 | 578 |
| Average equity | $105,344,000 | 671 |
| Average total loans | $581,952,200 | 712 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6751% | 6,265 |
| Cost of funding earning assets | 0.4882% | 5,517 |
| Net interest margin | 3.1869% | 5,726 |
| Noninterest income to average assets | 1.6847% | 546 |
| Noninterest expense to average assets | 3.1705% | 2,661 |
| Loan and lease loss provision to assets | 0.5575% | 1,029 |
| Net operating income to assets | 0.9416% | 2,789 |
| Return on assets (ROA) | 0.9682% | 2,885 |
| Pretax return on assets | 0.9713% | 3,817 |
| Return on Equity (ROE) | 9.9230% | 2,378 |
| Retained earnings to average equity (ytd only) | 0.6539% | 5,893 |
| Net charge-offs to loans | 2.2552% | 298 |
| Credit loss provision to net charge-offs | 45.8950% | 4,495 |
| Earnings coverage of net charge-offs (x) | 1.2367% | 4,672 |
| Efficiency ratio | 67.8509% | 4,099 |
| Assets per employee ($millions) | 3.3947% | 5,222 |
| Cash dividends to net income (ytd only)* | 93.4101% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8875% | 2,521 |
| Loan loss allowance to noncurrent loans | 69.1507% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.7258% | 3,019 |
| Noncurrent loans to loans | 2.7296% | 2,075 |
| Net loans and leases to total assets | 52.5498% | 4,976 |
| Net loans and leases to deposits | 58.8445% | 5,336 |
| Net loans and leases to core deposits | 61.6833% | 5,388 |
| Total domestic deposits to total assets | 89.3029% | 1,239 |
| Equity capital to assets | 9.7548% | 4,843 |
| Core capital (leverage) ratio | 8.4941% | 5,760 |
| Tier 1 risk-based capital ratio | 13.5486% | 4,850 |
| Total risk-based capital ratio | 14.8282% | 4,796 |
| Memoranda: | ||
| Average total assets | $1,076,240,250 | 611 |
| Average earning assets | $1,009,068,500 | 588 |
| Average equity | $105,006,000 | 677 |
| Average total loans | $579,680,500 | 714 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7339% | 6,281 |
| Cost of funding earning assets | 0.5165% | 5,511 |
| Net interest margin | 3.2173% | 5,682 |
| Noninterest income to average assets | 1.6722% | 535 |
| Noninterest expense to average assets | 3.2186% | 2,530 |
| Loan and lease loss provision to assets | 0.5622% | 1,085 |
| Net operating income to assets | 0.8967% | 2,926 |
| Return on assets (ROA) | 0.9364% | 2,996 |
| Pretax return on assets | 0.9419% | 3,914 |
| Return on Equity (ROE) | 9.5973% | 2,530 |
| Retained earnings to average equity (ytd only) | 0.3784% | 5,917 |
| Net charge-offs to loans | 1.8450% | 481 |
| Credit loss provision to net charge-offs | 56.4653% | 3,889 |
| Earnings coverage of net charge-offs (x) | 1.4704% | 4,264 |
| Efficiency ratio | 68.7357% | 3,986 |
| Assets per employee ($millions) | 3.2610% | 5,536 |
| Cash dividends to net income (ytd only)* | 96.0576% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4779% | 1,315 |
| Loan loss allowance to noncurrent loans | 65.3455% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 2.1173% | 2,642 |
| Noncurrent loans to loans | 3.7920% | 1,479 |
| Net loans and leases to total assets | 50.8113% | 5,250 |
| Net loans and leases to deposits | 56.7432% | 5,578 |
| Net loans and leases to core deposits | 60.2605% | 5,561 |
| Total domestic deposits to total assets | 89.5460% | 1,196 |
| Equity capital to assets | 9.5742% | 4,945 |
| Core capital (leverage) ratio | 8.6406% | 5,459 |
| Tier 1 risk-based capital ratio | 13.9545% | 4,476 |
| Total risk-based capital ratio | 15.2379% | 4,426 |
| Memoranda: | ||
| Average total assets | $1,067,225,670 | 622 |
| Average earning assets | $998,587,670 | 596 |
| Average equity | $104,133,670 | 680 |
| Average total loans | $575,931,330 | 720 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7876% | 6,271 |
| Cost of funding earning assets | 0.5493% | 5,502 |
| Net interest margin | 3.2383% | 5,673 |
| Noninterest income to average assets | 1.6365% | 543 |
| Noninterest expense to average assets | 3.2357% | 2,487 |
| Loan and lease loss provision to assets | 0.5698% | 1,019 |
| Net operating income to assets | 0.8475% | 3,174 |
| Return on assets (ROA) | 0.8475% | 3,412 |
| Pretax return on assets | 0.8566% | 4,202 |
| Return on Equity (ROE) | 8.6016% | 2,998 |
| Retained earnings to average equity (ytd only) | 6.8666% | 2,493 |
| Net charge-offs to loans | 1.1672% | 879 |
| Credit loss provision to net charge-offs | 88.8626% | 2,570 |
| Earnings coverage of net charge-offs (x) | 2.2245% | 3,275 |
| Efficiency ratio | 69.4044% | 3,915 |
| Assets per employee ($millions) | 3.2831% | 5,602 |
| Cash dividends to net income (ytd only)* | 20.1703% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8514% | 956 |
| Loan loss allowance to noncurrent loans | 128.1383% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 1.3151% | 3,930 |
| Noncurrent loans to loans | 2.2253% | 2,893 |
| Net loans and leases to total assets | 51.9542% | 5,034 |
| Net loans and leases to deposits | 58.0544% | 5,372 |
| Net loans and leases to core deposits | 61.0082% | 5,433 |
| Total domestic deposits to total assets | 89.4923% | 1,376 |
| Equity capital to assets | 9.7835% | 4,406 |
| Core capital (leverage) ratio | 8.9849% | 4,860 |
| Tier 1 risk-based capital ratio | 14.2245% | 4,292 |
| Total risk-based capital ratio | 15.5075% | 4,248 |
| Memoranda: | ||
| Average total assets | $1,052,993,000 | 633 |
| Average earning assets | $983,850,500 | 603 |
| Average equity | $103,748,500 | 681 |
| Average total loans | $578,456,500 | 715 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2441% | 5,932 |
| Cost of funding earning assets | 0.6833% | 5,642 |
| Net interest margin | 3.5608% | 4,890 |
| Noninterest income to average assets | 1.3354% | 726 |
| Noninterest expense to average assets | 3.2229% | 2,785 |
| Loan and lease loss provision to assets | 0.7562% | 1,329 |
| Net operating income to assets | 0.6552% | 3,721 |
| Return on assets (ROA) | 0.6807% | 3,767 |
| Pretax return on assets | 0.6959% | 4,335 |
| Return on Equity (ROE) | 7.1129% | 3,348 |
| Retained earnings to average equity (ytd only) | 4.0444% | 3,313 |
| Net charge-offs to loans | 0.5869% | 2,691 |
| Credit loss provision to net charge-offs | 212.3419% | 1,158 |
| Earnings coverage of net charge-offs (x) | 4.0044% | 3,305 |
| Efficiency ratio | 69.3260% | 4,088 |
| Assets per employee ($millions) | 3.1773% | 5,752 |
| Cash dividends to net income (ytd only)* | 43.1406% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8074% | 972 |
| Loan loss allowance to noncurrent loans | 172.4358% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 1.0911% | 4,435 |
| Noncurrent loans to loans | 1.6281% | 3,719 |
| Net loans and leases to total assets | 54.8450% | 4,903 |
| Net loans and leases to deposits | 61.3419% | 5,332 |
| Net loans and leases to core deposits | 65.1718% | 5,347 |
| Total domestic deposits to total assets | 89.4087% | 1,309 |
| Equity capital to assets | 9.9238% | 4,266 |
| Core capital (leverage) ratio | 8.8532% | 5,016 |
| Tier 1 risk-based capital ratio | 13.4400% | 4,742 |
| Total risk-based capital ratio | 14.7220% | 4,680 |
| Memoranda: | ||
| Average total assets | $1,021,584,800 | 643 |
| Average earning assets | $950,649,800 | 622 |
| Average equity | $97,765,800 | 703 |
| Average total loans | $619,897,800 | 674 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 5,934 |
| Cost of funding earning assets | 0.7067% | 5,716 |
| Net interest margin | 3.5986% | 4,771 |
| Noninterest income to average assets | 1.3968% | 670 |
| Noninterest expense to average assets | 3.2744% | 2,578 |
| Loan and lease loss provision to assets | 0.7569% | 1,256 |
| Net operating income to assets | 0.6980% | 3,631 |
| Return on assets (ROA) | 0.7206% | 3,681 |
| Pretax return on assets | 0.7348% | 4,365 |
| Return on Equity (ROE) | 7.6018% | 3,226 |
| Retained earnings to average equity (ytd only) | 4.8365% | 3,292 |
| Net charge-offs to loans | 0.6602% | 2,271 |
| Credit loss provision to net charge-offs | 185.6316% | 1,580 |
| Earnings coverage of net charge-offs (x) | 3.6017% | 3,375 |
| Efficiency ratio | 69.0358% | 4,119 |
| Assets per employee ($millions) | 3.1707% | 5,752 |
| Cash dividends to net income (ytd only)* | 36.3769% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4342% | 1,487 |
| Loan loss allowance to noncurrent loans | 138.0843% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 1.3733% | 4,076 |
| Noncurrent loans to loans | 1.7628% | 3,689 |
| Net loans and leases to total assets | 57.9498% | 4,524 |
| Net loans and leases to deposits | 65.0275% | 5,043 |
| Net loans and leases to core deposits | 68.5993% | 5,106 |
| Total domestic deposits to total assets | 89.1159% | 1,358 |
| Equity capital to assets | 9.8871% | 4,497 |
| Core capital (leverage) ratio | 8.9747% | 4,975 |
| Tier 1 risk-based capital ratio | 12.9058% | 5,165 |
| Total risk-based capital ratio | 14.1855% | 5,125 |
| Memoranda: | ||
| Average total assets | $1,017,239,000 | 654 |
| Average earning assets | $945,912,000 | 637 |
| Average equity | $96,431,000 | 717 |
| Average total loans | $628,302,000 | 667 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 5,878 |
| Cost of funding earning assets | 0.7269% | 5,794 |
| Net interest margin | 3.6115% | 4,676 |
| Noninterest income to average assets | 1.5100% | 562 |
| Noninterest expense to average assets | 3.3197% | 2,498 |
| Loan and lease loss provision to assets | 0.7577% | 1,230 |
| Net operating income to assets | 0.7733% | 3,184 |
| Return on assets (ROA) | 0.7908% | 3,239 |
| Pretax return on assets | 0.8062% | 4,002 |
| Return on Equity (ROE) | 8.4666% | 2,729 |
| Retained earnings to average equity (ytd only) | 6.3457% | 2,215 |
| Net charge-offs to loans | 0.3650% | 3,093 |
| Credit loss provision to net charge-offs | 331.7433% | 922 |
| Earnings coverage of net charge-offs (x) | 6.7693% | 2,335 |
| Efficiency ratio | 68.2259% | 4,475 |
| Assets per employee ($millions) | 3.0406% | 5,994 |
| Cash dividends to net income (ytd only)* | 25.0501% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4108% | 1,570 |
| Loan loss allowance to noncurrent loans | 95.0888% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 1.9516% | 3,307 |
| Noncurrent loans to loans | 2.5353% | 2,852 |
| Net loans and leases to total assets | 59.9635% | 4,282 |
| Net loans and leases to deposits | 66.9400% | 4,860 |
| Net loans and leases to core deposits | 70.6902% | 4,990 |
| Total domestic deposits to total assets | 89.5779% | 1,196 |
| Equity capital to assets | 9.6903% | 4,549 |
| Core capital (leverage) ratio | 9.0551% | 4,637 |
| Tier 1 risk-based capital ratio | 12.6601% | 5,213 |
| Total risk-based capital ratio | 13.9310% | 5,162 |
| Memoranda: | ||
| Average total assets | $1,009,660,670 | 665 |
| Average earning assets | $938,170,670 | 644 |
| Average equity | $94,300,330 | 729 |
| Average total loans | $631,836,330 | 676 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3573% | 5,829 |
| Cost of funding earning assets | 0.7375% | 5,936 |
| Net interest margin | 3.6198% | 4,483 |
| Noninterest income to average assets | 1.6048% | 518 |
| Noninterest expense to average assets | 3.3627% | 2,377 |
| Loan and lease loss provision to assets | 0.7450% | 1,137 |
| Net operating income to assets | 0.8491% | 2,783 |
| Return on assets (ROA) | 0.8487% | 2,841 |
| Pretax return on assets | 0.8650% | 3,644 |
| Return on Equity (ROE) | 9.2623% | 2,361 |
| Retained earnings to average equity (ytd only) | 9.2623% | 1,304 |
| Net charge-offs to loans | -0.0094% | 6,353 |
| Credit loss provision to net charge-offs | -12,500.0000% | 6,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6174% | 4,739 |
| Assets per employee ($millions) | 3.0731% | 5,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2576% | 1,845 |
| Loan loss allowance to noncurrent loans | 117.9653% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 1.6490% | 3,773 |
| Noncurrent loans to loans | 1.9138% | 3,681 |
| Net loans and leases to total assets | 61.4471% | 3,974 |
| Net loans and leases to deposits | 68.9685% | 4,534 |
| Net loans and leases to core deposits | 72.3087% | 4,747 |
| Total domestic deposits to total assets | 89.0944% | 1,720 |
| Equity capital to assets | 9.3455% | 4,658 |
| Core capital (leverage) ratio | 8.9121% | 4,754 |
| Tier 1 risk-based capital ratio | 12.4108% | 5,342 |
| Total risk-based capital ratio | 13.6756% | 5,313 |
| Memoranda: | ||
| Average total assets | $1,006,703,500 | 668 |
| Average earning assets | $936,729,000 | 649 |
| Average equity | $92,244,500 | 734 |
| Average total loans | $635,745,500 | 675 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4412% | 6,539 |
| Cost of funding earning assets | 1.0681% | 5,328 |
| Net interest margin | 3.3731% | 5,727 |
| Noninterest income to average assets | 1.6837% | 520 |
| Noninterest expense to average assets | 3.3371% | 2,617 |
| Loan and lease loss provision to assets | 1.2094% | 1,290 |
| Net operating income to assets | 0.2652% | 5,055 |
| Return on assets (ROA) | 0.5019% | 4,252 |
| Pretax return on assets | 0.5064% | 4,600 |
| Return on Equity (ROE) | 5.6473% | 3,763 |
| Retained earnings to average equity (ytd only) | 5.6473% | 2,019 |
| Net charge-offs to loans | 1.8397% | 1,135 |
| Credit loss provision to net charge-offs | 105.0127% | 4,273 |
| Earnings coverage of net charge-offs (x) | 1.2822% | 4,820 |
| Efficiency ratio | 69.3233% | 4,310 |
| Assets per employee ($millions) | 3.0377% | 6,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9339% | 2,461 |
| Loan loss allowance to noncurrent loans | 88.3147% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 1.8513% | 3,556 |
| Noncurrent loans to loans | 2.1897% | 3,327 |
| Net loans and leases to total assets | 62.2083% | 4,241 |
| Net loans and leases to deposits | 73.1172% | 4,341 |
| Net loans and leases to core deposits | 77.4832% | 4,522 |
| Total domestic deposits to total assets | 85.0803% | 3,812 |
| Equity capital to assets | 8.9812% | 5,167 |
| Core capital (leverage) ratio | 8.6657% | 5,081 |
| Tier 1 risk-based capital ratio | 11.9646% | 5,506 |
| Total risk-based capital ratio | 13.2261% | 5,479 |
| Memoranda: | ||
| Average total assets | $1,021,991,800 | 656 |
| Average earning assets | $948,395,800 | 638 |
| Average equity | $90,821,800 | 737 |
| Average total loans | $639,794,000 | 689 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4582% | 6,699 |
| Cost of funding earning assets | 1.1611% | 5,080 |
| Net interest margin | 3.2970% | 6,029 |
| Noninterest income to average assets | 1.5714% | 564 |
| Noninterest expense to average assets | 3.3108% | 2,538 |
| Loan and lease loss provision to assets | 0.9414% | 1,596 |
| Net operating income to assets | 0.3791% | 4,847 |
| Return on assets (ROA) | 0.6854% | 3,645 |
| Pretax return on assets | 0.6906% | 4,263 |
| Return on Equity (ROE) | 7.7328% | 3,010 |
| Retained earnings to average equity (ytd only) | 7.7328% | 1,502 |
| Net charge-offs to loans | 1.6382% | 1,205 |
| Credit loss provision to net charge-offs | 92.1002% | 4,688 |
| Earnings coverage of net charge-offs (x) | 1.2940% | 4,785 |
| Efficiency ratio | 71.4534% | 3,807 |
| Assets per employee ($millions) | 3.0584% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7467% | 3,004 |
| Loan loss allowance to noncurrent loans | 55.9589% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 2.4333% | 2,938 |
| Noncurrent loans to loans | 3.1215% | 2,556 |
| Net loans and leases to total assets | 61.2744% | 4,670 |
| Net loans and leases to deposits | 72.8884% | 4,710 |
| Net loans and leases to core deposits | 76.0757% | 5,046 |
| Total domestic deposits to total assets | 84.0660% | 4,090 |
| Equity capital to assets | 9.3305% | 5,087 |
| Core capital (leverage) ratio | 8.4892% | 5,529 |
| Tier 1 risk-based capital ratio | 12.0602% | 5,407 |
| Total risk-based capital ratio | 13.3257% | 5,362 |
| Memoranda: | ||
| Average total assets | $1,025,360,250 | 647 |
| Average earning assets | $952,265,000 | 625 |
| Average equity | $90,883,000 | 731 |
| Average total loans | $639,804,000 | 692 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5014% | 6,712 |
| Cost of funding earning assets | 1.2107% | 5,067 |
| Net interest margin | 3.2907% | 6,045 |
| Noninterest income to average assets | 1.4656% | 591 |
| Noninterest expense to average assets | 3.2488% | 2,729 |
| Loan and lease loss provision to assets | 0.9029% | 1,616 |
| Net operating income to assets | 0.3723% | 4,879 |
| Return on assets (ROA) | 0.4797% | 4,572 |
| Pretax return on assets | 0.4819% | 4,957 |
| Return on Equity (ROE) | 5.5088% | 4,040 |
| Retained earnings to average equity (ytd only) | 5.5088% | 2,606 |
| Net charge-offs to loans | 1.5939% | 1,187 |
| Credit loss provision to net charge-offs | 90.7665% | 4,404 |
| Earnings coverage of net charge-offs (x) | 1.2841% | 4,541 |
| Efficiency ratio | 71.7794% | 3,854 |
| Assets per employee ($millions) | 3.0811% | 5,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7679% | 2,825 |
| Loan loss allowance to noncurrent loans | 69.1677% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 2.0084% | 3,493 |
| Noncurrent loans to loans | 2.5560% | 3,099 |
| Net loans and leases to total assets | 59.9947% | 5,059 |
| Net loans and leases to deposits | 71.5591% | 5,063 |
| Net loans and leases to core deposits | 74.8533% | 5,340 |
| Total domestic deposits to total assets | 83.8393% | 4,181 |
| Equity capital to assets | 8.7895% | 5,767 |
| Core capital (leverage) ratio | 8.1690% | 6,002 |
| Tier 1 risk-based capital ratio | 11.4263% | 5,845 |
| Total risk-based capital ratio | 12.6896% | 5,803 |
| Memoranda: | ||
| Average total assets | $1,025,623,000 | 645 |
| Average earning assets | $953,831,670 | 625 |
| Average equity | $89,311,330 | 730 |
| Average total loans | $640,085,000 | 697 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4507% | 6,898 |
| Cost of funding earning assets | 1.2462% | 5,133 |
| Net interest margin | 3.2045% | 6,279 |
| Noninterest income to average assets | 1.5323% | 513 |
| Noninterest expense to average assets | 3.2590% | 2,676 |
| Loan and lease loss provision to assets | 1.0329% | 1,199 |
| Net operating income to assets | 0.2271% | 5,590 |
| Return on assets (ROA) | 0.2271% | 5,710 |
| Pretax return on assets | 0.2267% | 5,806 |
| Return on Equity (ROE) | 2.6203% | 5,514 |
| Retained earnings to average equity (ytd only) | 2.6203% | 4,573 |
| Net charge-offs to loans | 2.0230% | 846 |
| Credit loss provision to net charge-offs | 80.9141% | 3,856 |
| Earnings coverage of net charge-offs (x) | 0.9867% | 4,179 |
| Efficiency ratio | 72.1253% | 3,911 |
| Assets per employee ($millions) | 3.0784% | 6,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7645% | 2,846 |
| Loan loss allowance to noncurrent loans | 69.0500% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.9198% | 3,606 |
| Noncurrent loans to loans | 2.5554% | 3,120 |
| Net loans and leases to total assets | 59.9100% | 5,133 |
| Net loans and leases to deposits | 70.7343% | 5,238 |
| Net loans and leases to core deposits | 73.2397% | 5,586 |
| Total domestic deposits to total assets | 84.6973% | 3,812 |
| Equity capital to assets | 8.6363% | 5,822 |
| Core capital (leverage) ratio | 8.2153% | 5,887 |
| Tier 1 risk-based capital ratio | 11.1016% | 6,058 |
| Total risk-based capital ratio | 12.3601% | 6,020 |
| Memoranda: | ||
| Average total assets | $1,014,653,000 | 669 |
| Average earning assets | $945,558,500 | 648 |
| Average equity | $87,929,000 | 753 |
| Average total loans | $640,231,000 | 715 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8455% | 6,849 |
| Cost of funding earning assets | 1.6702% | 4,671 |
| Net interest margin | 3.1754% | 6,172 |
| Noninterest income to average assets | 1.8801% | 419 |
| Noninterest expense to average assets | 3.4399% | 2,553 |
| Loan and lease loss provision to assets | 1.5476% | 1,489 |
| Net operating income to assets | -0.1696% | 5,799 |
| Return on assets (ROA) | 0.1065% | 5,242 |
| Pretax return on assets | 0.1033% | 5,213 |
| Return on Equity (ROE) | 1.2710% | 5,149 |
| Retained earnings to average equity (ytd only) | 0.3473% | 4,717 |
| Net charge-offs to loans | 1.8779% | 1,327 |
| Credit loss provision to net charge-offs | 122.1778% | 4,331 |
| Earnings coverage of net charge-offs (x) | 1.0853% | 5,026 |
| Efficiency ratio | 71.4470% | 4,362 |
| Assets per employee ($millions) | 2.9173% | 6,421 |
| Cash dividends to net income (ytd only)* | 72.6744% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8188% | 2,482 |
| Loan loss allowance to noncurrent loans | 70.6440% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.9390% | 3,469 |
| Noncurrent loans to loans | 2.5747% | 2,981 |
| Net loans and leases to total assets | 64.1201% | 4,579 |
| Net loans and leases to deposits | 75.7301% | 4,789 |
| Net loans and leases to core deposits | 89.7779% | 5,153 |
| Total domestic deposits to total assets | 84.6692% | 3,721 |
| Equity capital to assets | 8.6969% | 5,589 |
| Core capital (leverage) ratio | 8.0554% | 6,074 |
| Tier 1 risk-based capital ratio | 10.7298% | 6,174 |
| Total risk-based capital ratio | 11.9872% | 6,149 |
| Memoranda: | ||
| Average total assets | $968,621,200 | 692 |
| Average earning assets | $895,172,000 | 675 |
| Average equity | $81,195,400 | 798 |
| Average total loans | $653,329,800 | 716 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 6,885 |
| Cost of funding earning assets | 1.7346% | 4,727 |
| Net interest margin | 3.1661% | 6,128 |
| Noninterest income to average assets | 1.9069% | 408 |
| Noninterest expense to average assets | 3.6138% | 2,004 |
| Loan and lease loss provision to assets | 1.4229% | 1,349 |
| Net operating income to assets | -0.2079% | 6,078 |
| Return on assets (ROA) | 0.0929% | 5,540 |
| Pretax return on assets | 0.0899% | 5,546 |
| Return on Equity (ROE) | 1.1193% | 5,455 |
| Retained earnings to average equity (ytd only) | 0.1184% | 5,150 |
| Net charge-offs to loans | 1.9959% | 986 |
| Credit loss provision to net charge-offs | 104.8362% | 4,847 |
| Earnings coverage of net charge-offs (x) | 0.8930% | 5,164 |
| Efficiency ratio | 74.8852% | 3,711 |
| Assets per employee ($millions) | 2.9891% | 6,189 |
| Cash dividends to net income (ytd only)* | 89.4192% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 3,647 |
| Loan loss allowance to noncurrent loans | 44.1170% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 2.1392% | 3,174 |
| Noncurrent loans to loans | 3.3078% | 2,279 |
| Net loans and leases to total assets | 63.7291% | 4,920 |
| Net loans and leases to deposits | 75.3276% | 5,151 |
| Net loans and leases to core deposits | 91.1258% | 5,319 |
| Total domestic deposits to total assets | 84.6026% | 3,428 |
| Equity capital to assets | 8.1356% | 6,708 |
| Core capital (leverage) ratio | 7.5120% | 6,954 |
| Tier 1 risk-based capital ratio | 9.9171% | 7,046 |
| Total risk-based capital ratio | 11.1730% | 6,999 |
| Memoranda: | ||
| Average total assets | $962,807,750 | 707 |
| Average earning assets | $887,639,250 | 698 |
| Average equity | $79,928,750 | 820 |
| Average total loans | $654,719,000 | 734 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0474% | 6,631 |
| Cost of funding earning assets | 1.7829% | 4,842 |
| Net interest margin | 3.2645% | 5,688 |
| Noninterest income to average assets | 1.9563% | 390 |
| Noninterest expense to average assets | 3.6987% | 1,841 |
| Loan and lease loss provision to assets | 0.8078% | 2,073 |
| Net operating income to assets | 0.4544% | 4,274 |
| Return on assets (ROA) | 0.8038% | 2,935 |
| Pretax return on assets | 0.8097% | 3,642 |
| Return on Equity (ROE) | 9.6144% | 2,162 |
| Retained earnings to average equity (ytd only) | 9.6144% | 798 |
| Net charge-offs to loans | 0.1007% | 5,152 |
| Credit loss provision to net charge-offs | 1,159.0909% | 431 |
| Earnings coverage of net charge-offs (x) | 18.1455% | 1,426 |
| Efficiency ratio | 74.5202% | 3,951 |
| Assets per employee ($millions) | 2.8782% | 6,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8490% | 1,917 |
| Loan loss allowance to noncurrent loans | 44.1615% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 2.8386% | 2,257 |
| Noncurrent loans to loans | 4.1869% | 1,586 |
| Net loans and leases to total assets | 66.5435% | 4,450 |
| Net loans and leases to deposits | 78.7865% | 4,735 |
| Net loans and leases to core deposits | 95.9746% | 4,905 |
| Total domestic deposits to total assets | 84.4606% | 3,520 |
| Equity capital to assets | 8.2622% | 6,397 |
| Core capital (leverage) ratio | 8.2479% | 5,889 |
| Tier 1 risk-based capital ratio | 10.2186% | 6,690 |
| Total risk-based capital ratio | 11.4764% | 6,610 |
| Memoranda: | ||
| Average total assets | $946,970,670 | 739 |
| Average earning assets | $872,298,670 | 721 |
| Average equity | $79,173,000 | 838 |
| Average total loans | $655,158,000 | 753 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1628% | 6,436 |
| Cost of funding earning assets | 1.8188% | 5,027 |
| Net interest margin | 3.3440% | 5,349 |
| Noninterest income to average assets | 1.9073% | 393 |
| Noninterest expense to average assets | 3.7093% | 1,637 |
| Loan and lease loss provision to assets | 0.3480% | 3,235 |
| Net operating income to assets | 0.9635% | 2,467 |
| Return on assets (ROA) | 1.0996% | 2,089 |
| Pretax return on assets | 1.1087% | 2,953 |
| Return on Equity (ROE) | 13.0677% | 1,371 |
| Retained earnings to average equity (ytd only) | 13.0677% | 628 |
| Net charge-offs to loans | 0.1511% | 3,752 |
| Credit loss provision to net charge-offs | 329.2181% | 1,512 |
| Earnings coverage of net charge-offs (x) | 12.4815% | 1,800 |
| Efficiency ratio | 73.7652% | 3,865 |
| Assets per employee ($millions) | 2.7742% | 6,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 3,115 |
| Loan loss allowance to noncurrent loans | 64.6328% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.5965% | 3,520 |
| Noncurrent loans to loans | 2.2824% | 2,879 |
| Net loans and leases to total assets | 68.9160% | 3,936 |
| Net loans and leases to deposits | 80.6156% | 4,518 |
| Net loans and leases to core deposits | 97.2035% | 4,832 |
| Total domestic deposits to total assets | 85.4872% | 2,979 |
| Equity capital to assets | 8.4849% | 6,094 |
| Core capital (leverage) ratio | 7.9790% | 6,493 |
| Tier 1 risk-based capital ratio | 9.7028% | 7,252 |
| Total risk-based capital ratio | 10.9572% | 7,159 |
| Memoranda: | ||
| Average total assets | $919,645,500 | 765 |
| Average earning assets | $858,379,500 | 737 |
| Average equity | $77,381,500 | 852 |
| Average total loans | $643,202,000 | 769 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8692% | 6,186 |
| Cost of funding earning assets | 2.3702% | 4,850 |
| Net interest margin | 3.4990% | 5,299 |
| Noninterest income to average assets | 1.4180% | 716 |
| Noninterest expense to average assets | 3.5668% | 2,225 |
| Loan and lease loss provision to assets | 0.2975% | 4,007 |
| Net operating income to assets | 0.7835% | 3,508 |
| Return on assets (ROA) | 0.8017% | 3,263 |
| Pretax return on assets | 0.8087% | 4,036 |
| Return on Equity (ROE) | 9.6366% | 2,384 |
| Retained earnings to average equity (ytd only) | 0.8164% | 4,734 |
| Net charge-offs to loans | 0.0333% | 6,357 |
| Credit loss provision to net charge-offs | 1,314.0704% | 342 |
| Earnings coverage of net charge-offs (x) | 48.0452% | 784 |
| Efficiency ratio | 76.6309% | 3,134 |
| Assets per employee ($millions) | 2.7242% | 6,731 |
| Cash dividends to net income (ytd only)* | 91.5283% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 3,036 |
| Loan loss allowance to noncurrent loans | 86.6004% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.1581% | 3,952 |
| Noncurrent loans to loans | 1.6493% | 3,298 |
| Net loans and leases to total assets | 68.9335% | 4,265 |
| Net loans and leases to deposits | 81.5490% | 4,786 |
| Net loans and leases to core deposits | 100.0550% | 4,820 |
| Total domestic deposits to total assets | 84.5302% | 3,058 |
| Equity capital to assets | 8.3417% | 6,356 |
| Core capital (leverage) ratio | 7.8330% | 6,747 |
| Tier 1 risk-based capital ratio | 9.5325% | 7,272 |
| Total risk-based capital ratio | 10.7554% | 7,222 |
| Memoranda: | ||
| Average total assets | $878,994,000 | 769 |
| Average earning assets | $813,059,200 | 747 |
| Average equity | $73,127,200 | 909 |
| Average total loans | $597,239,200 | 800 |