Home > Bank of Akron > Performance and Condition Ratios
Bank of Akron, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3191% | 2,422 |
| Cost of funding earning assets | 0.8184% | 1,742 |
| Net interest margin | 3.5007% | 2,781 |
| Noninterest income to average assets | 0.2967% | 3,693 |
| Noninterest expense to average assets | 2.5861% | 2,712 |
| Loan and lease loss provision to assets | 0.2085% | 1,969 |
| Net operating income to assets | 0.6513% | 3,576 |
| Return on assets (ROA) | 0.6606% | 3,638 |
| Pretax return on assets | 0.8364% | 3,487 |
| Return on Equity (ROE) | 7.0534% | 3,110 |
| Retained earnings to average equity (ytd only) | 4.9283% | 2,511 |
| Net charge-offs to loans | -0.0245% | 4,472 |
| Credit loss provision to net charge-offs | -1,100.0000% | 3,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4548% | 1,770 |
| Assets per employee ($millions) | 6.2003% | 2,023 |
| Cash dividends to net income (ytd only)* | 30.1291% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6611% | 892 |
| Loan loss allowance to noncurrent loans | 180.7209% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.6417% | 1,895 |
| Noncurrent loans to loans | 0.9191% | 1,677 |
| Net loans and leases to total assets | 68.6591% | 2,237 |
| Net loans and leases to deposits | 76.0017% | 2,865 |
| Net loans and leases to core deposits | 83.5085% | 2,652 |
| Total domestic deposits to total assets | 90.3389% | 315 |
| Equity capital to assets | 8.5478% | 4,449 |
| Core capital (leverage) ratio | 8.8722% | 4,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5092% | 2,394 |
| Memoranda: | ||
| Average total assets | $422,025,333 | 1,742 |
| Average earning assets | $400,549,667 | 1,710 |
| Average equity | $39,527,000 | 2,018 |
| Average total loans | $325,936,667 | 1,569 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 1,582 |
| Cost of funding earning assets | 0.9236% | 1,758 |
| Net interest margin | 3.8182% | 1,909 |
| Noninterest income to average assets | 0.3321% | 3,538 |
| Noninterest expense to average assets | 2.9751% | 1,942 |
| Loan and lease loss provision to assets | 0.1208% | 2,184 |
| Net operating income to assets | 0.6663% | 3,382 |
| Return on assets (ROA) | 0.6663% | 3,452 |
| Pretax return on assets | 0.8434% | 3,299 |
| Return on Equity (ROE) | 6.7636% | 3,042 |
| Retained earnings to average equity (ytd only) | 4.6180% | 2,450 |
| Net charge-offs to loans | 0.0333% | 1,733 |
| Credit loss provision to net charge-offs | 444.4444% | 945 |
| Earnings coverage of net charge-offs (x) | 35.4815% | 1,085 |
| Efficiency ratio | 75.5238% | 1,616 |
| Assets per employee ($millions) | 5.2791% | 2,351 |
| Cash dividends to net income (ytd only)* | 31.7221% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5517% | 1,189 |
| Loan loss allowance to noncurrent loans | 151.5821% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.8241% | 1,635 |
| Noncurrent loans to loans | 1.0237% | 1,623 |
| Net loans and leases to total assets | 79.2590% | 783 |
| Net loans and leases to deposits | 89.3064% | 1,596 |
| Net loans and leases to core deposits | 98.8403% | 1,569 |
| Total domestic deposits to total assets | 88.7495% | 787 |
| Equity capital to assets | 9.7296% | 4,013 |
| Core capital (leverage) ratio | 9.6990% | 3,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2371% | 2,599 |
| Memoranda: | ||
| Average total assets | $397,427,500 | 1,775 |
| Average earning assets | $375,468,000 | 1,761 |
| Average equity | $39,151,000 | 2,018 |
| Average total loans | $324,404,500 | 1,541 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8526% | 1,887 |
| Cost of funding earning assets | 0.8931% | 2,221 |
| Net interest margin | 3.9594% | 1,975 |
| Noninterest income to average assets | 0.3647% | 3,518 |
| Noninterest expense to average assets | 2.8443% | 2,463 |
| Loan and lease loss provision to assets | 0.0966% | 2,105 |
| Net operating income to assets | 0.9266% | 3,107 |
| Return on assets (ROA) | 1.3201% | 1,695 |
| Pretax return on assets | 1.6588% | 1,307 |
| Return on Equity (ROE) | 13.2203% | 1,108 |
| Retained earnings to average equity (ytd only) | 10.9628% | 339 |
| Net charge-offs to loans | 0.3755% | 529 |
| Credit loss provision to net charge-offs | 31.3862% | 3,261 |
| Earnings coverage of net charge-offs (x) | 4.1046% | 3,258 |
| Efficiency ratio | 69.2408% | 2,284 |
| Assets per employee ($millions) | 4.7381% | 2,912 |
| Cash dividends to net income (ytd only)* | 17.0766% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 1,281 |
| Loan loss allowance to noncurrent loans | 191.3253% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.6409% | 1,983 |
| Noncurrent loans to loans | 0.7744% | 1,966 |
| Net loans and leases to total assets | 81.5364% | 611 |
| Net loans and leases to deposits | 92.7895% | 1,278 |
| Net loans and leases to core deposits | 104.3762% | 1,205 |
| Total domestic deposits to total assets | 87.8725% | 1,184 |
| Equity capital to assets | 9.9598% | 3,960 |
| Core capital (leverage) ratio | 9.8514% | 3,676 |
| Tier 1 risk-based capital ratio | 11.8516% | 4,450 |
| Total risk-based capital ratio | 13.1053% | 4,319 |
| Memoranda: | ||
| Average total assets | $372,611,000 | 1,835 |
| Average earning assets | $352,247,400 | 1,808 |
| Average equity | $37,207,800 | 2,047 |
| Average total loans | $305,434,800 | 1,582 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8743% | 1,898 |
| Cost of funding earning assets | 0.8757% | 2,340 |
| Net interest margin | 3.9987% | 1,945 |
| Noninterest income to average assets | 0.3642% | 3,541 |
| Noninterest expense to average assets | 2.7401% | 2,751 |
| Loan and lease loss provision to assets | 0.0977% | 1,960 |
| Net operating income to assets | 1.0387% | 2,826 |
| Return on assets (ROA) | 1.3929% | 1,561 |
| Pretax return on assets | 1.7480% | 1,203 |
| Return on Equity (ROE) | 13.9390% | 996 |
| Retained earnings to average equity (ytd only) | 11.6587% | 424 |
| Net charge-offs to loans | -0.0164% | 4,530 |
| Credit loss provision to net charge-offs | -729.7297% | 4,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1371% | 2,708 |
| Assets per employee ($millions) | 5.1168% | 2,428 |
| Cash dividends to net income (ytd only)* | 16.3594% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8692% | 578 |
| Loan loss allowance to noncurrent loans | 165.2468% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.9116% | 1,494 |
| Noncurrent loans to loans | 1.1312% | 1,403 |
| Net loans and leases to total assets | 79.0818% | 976 |
| Net loans and leases to deposits | 90.5214% | 1,630 |
| Net loans and leases to core deposits | 102.1548% | 1,488 |
| Total domestic deposits to total assets | 87.3626% | 1,337 |
| Equity capital to assets | 9.8795% | 4,133 |
| Core capital (leverage) ratio | 9.7250% | 3,937 |
| Tier 1 risk-based capital ratio | 11.8464% | 4,490 |
| Total risk-based capital ratio | 13.1882% | 4,337 |
| Memoranda: | ||
| Average total assets | $368,633,250 | 1,865 |
| Average earning assets | $348,373,750 | 1,835 |
| Average equity | $36,835,750 | 2,072 |
| Average total loans | $301,405,750 | 1,610 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8687% | 1,849 |
| Cost of funding earning assets | 0.8381% | 2,458 |
| Net interest margin | 4.0306% | 1,831 |
| Noninterest income to average assets | 0.3592% | 3,526 |
| Noninterest expense to average assets | 2.7467% | 2,762 |
| Loan and lease loss provision to assets | 0.0995% | 1,877 |
| Net operating income to assets | 1.0417% | 2,763 |
| Return on assets (ROA) | 1.2059% | 2,192 |
| Pretax return on assets | 1.5298% | 1,760 |
| Return on Equity (ROE) | 12.0194% | 1,569 |
| Retained earnings to average equity (ytd only) | 9.7058% | 841 |
| Net charge-offs to loans | -0.0316% | 4,703 |
| Credit loss provision to net charge-offs | -382.9787% | 4,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8976% | 2,817 |
| Assets per employee ($millions) | 5.0982% | 2,364 |
| Cash dividends to net income (ytd only)* | 19.2484% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8899% | 571 |
| Loan loss allowance to noncurrent loans | 159.3931% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.9609% | 1,450 |
| Noncurrent loans to loans | 1.1857% | 1,354 |
| Net loans and leases to total assets | 79.5085% | 963 |
| Net loans and leases to deposits | 91.4419% | 1,567 |
| Net loans and leases to core deposits | 105.0402% | 1,300 |
| Total domestic deposits to total assets | 86.9497% | 1,619 |
| Equity capital to assets | 9.9572% | 4,012 |
| Core capital (leverage) ratio | 9.7922% | 3,836 |
| Tier 1 risk-based capital ratio | 11.6663% | 4,599 |
| Total risk-based capital ratio | 13.1374% | 4,360 |
| Memoranda: | ||
| Average total assets | $361,885,330 | 1,897 |
| Average earning assets | $341,983,000 | 1,856 |
| Average equity | $36,308,000 | 2,088 |
| Average total loans | $297,411,330 | 1,633 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9057% | 1,573 |
| Cost of funding earning assets | 0.7917% | 2,585 |
| Net interest margin | 4.1140% | 1,515 |
| Noninterest income to average assets | 0.3625% | 3,428 |
| Noninterest expense to average assets | 2.7488% | 2,746 |
| Loan and lease loss provision to assets | 0.1016% | 1,728 |
| Net operating income to assets | 1.0944% | 2,496 |
| Return on assets (ROA) | 1.1587% | 2,278 |
| Pretax return on assets | 1.4726% | 1,857 |
| Return on Equity (ROE) | 11.5024% | 1,735 |
| Retained earnings to average equity (ytd only) | 9.1481% | 1,263 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8030% | 3,115 |
| Assets per employee ($millions) | 4.8492% | 2,713 |
| Cash dividends to net income (ytd only)* | 20.4678% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9114% | 584 |
| Loan loss allowance to noncurrent loans | 168.6398% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.9322% | 1,510 |
| Noncurrent loans to loans | 1.1334% | 1,474 |
| Net loans and leases to total assets | 80.6705% | 761 |
| Net loans and leases to deposits | 93.7732% | 1,198 |
| Net loans and leases to core deposits | 108.8455% | 998 |
| Total domestic deposits to total assets | 86.0272% | 2,271 |
| Equity capital to assets | 10.1432% | 3,682 |
| Core capital (leverage) ratio | 9.9175% | 3,689 |
| Tier 1 risk-based capital ratio | 11.6258% | 4,675 |
| Total risk-based capital ratio | 13.1257% | 4,435 |
| Memoranda: | ||
| Average total assets | $354,196,000 | 1,933 |
| Average earning assets | $333,977,500 | 1,908 |
| Average equity | $35,679,500 | 2,112 |
| Average total loans | $293,249,500 | 1,657 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7613% | 1,637 |
| Cost of funding earning assets | 0.5396% | 3,113 |
| Net interest margin | 4.2217% | 1,344 |
| Noninterest income to average assets | 0.4187% | 3,321 |
| Noninterest expense to average assets | 2.8920% | 2,382 |
| Loan and lease loss provision to assets | 0.1076% | 2,048 |
| Net operating income to assets | 1.0992% | 2,600 |
| Return on assets (ROA) | 1.1464% | 2,401 |
| Pretax return on assets | 1.4423% | 1,979 |
| Return on Equity (ROE) | 11.2743% | 1,980 |
| Retained earnings to average equity (ytd only) | 8.5410% | 1,030 |
| Net charge-offs to loans | 0.1899% | 1,007 |
| Credit loss provision to net charge-offs | 69.0979% | 3,002 |
| Earnings coverage of net charge-offs (x) | 9.5701% | 2,800 |
| Efficiency ratio | 65.9960% | 2,875 |
| Assets per employee ($millions) | 4.7293% | 2,831 |
| Cash dividends to net income (ytd only)* | 24.2440% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9053% | 568 |
| Loan loss allowance to noncurrent loans | 162.5476% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.9758% | 1,401 |
| Noncurrent loans to loans | 1.1721% | 1,376 |
| Net loans and leases to total assets | 81.6638% | 700 |
| Net loans and leases to deposits | 95.5546% | 1,114 |
| Net loans and leases to core deposits | 111.8277% | 893 |
| Total domestic deposits to total assets | 85.4630% | 2,450 |
| Equity capital to assets | 10.0981% | 3,575 |
| Core capital (leverage) ratio | 9.8493% | 3,746 |
| Tier 1 risk-based capital ratio | 11.6005% | 4,667 |
| Total risk-based capital ratio | 13.0324% | 4,455 |
| Memoranda: | ||
| Average total assets | $334,610,000 | 1,966 |
| Average earning assets | $314,135,600 | 1,952 |
| Average equity | $34,024,200 | 2,109 |
| Average total loans | $274,330,800 | 1,703 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7192% | 1,621 |
| Cost of funding earning assets | 0.4700% | 3,392 |
| Net interest margin | 4.2492% | 1,237 |
| Noninterest income to average assets | 0.4168% | 3,377 |
| Noninterest expense to average assets | 2.8664% | 2,414 |
| Loan and lease loss provision to assets | 0.1088% | 1,846 |
| Net operating income to assets | 1.0819% | 2,741 |
| Return on assets (ROA) | 1.1653% | 2,391 |
| Pretax return on assets | 1.5342% | 1,793 |
| Return on Equity (ROE) | 11.4395% | 2,002 |
| Retained earnings to average equity (ytd only) | 8.9466% | 1,238 |
| Net charge-offs to loans | 0.2547% | 663 |
| Credit loss provision to net charge-offs | 52.3256% | 2,809 |
| Earnings coverage of net charge-offs (x) | 7.3915% | 2,815 |
| Efficiency ratio | 65.0892% | 3,021 |
| Assets per employee ($millions) | 4.4600% | 3,183 |
| Cash dividends to net income (ytd only)* | 21.7918% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9570% | 525 |
| Loan loss allowance to noncurrent loans | 125.8867% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 1.2810% | 1,074 |
| Noncurrent loans to loans | 1.5545% | 1,031 |
| Net loans and leases to total assets | 80.7893% | 902 |
| Net loans and leases to deposits | 94.8535% | 1,281 |
| Net loans and leases to core deposits | 108.2511% | 1,152 |
| Total domestic deposits to total assets | 85.1727% | 2,539 |
| Equity capital to assets | 10.2837% | 3,358 |
| Core capital (leverage) ratio | 10.0174% | 3,615 |
| Tier 1 risk-based capital ratio | 11.7238% | 4,650 |
| Total risk-based capital ratio | 13.2503% | 4,386 |
| Memoranda: | ||
| Average total assets | $330,770,500 | 1,996 |
| Average earning assets | $310,354,750 | 1,978 |
| Average equity | $33,695,250 | 2,133 |
| Average total loans | $270,076,500 | 1,727 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6631% | 1,599 |
| Cost of funding earning assets | 0.4102% | 3,649 |
| Net interest margin | 4.2528% | 1,157 |
| Noninterest income to average assets | 0.4189% | 3,361 |
| Noninterest expense to average assets | 2.8807% | 2,404 |
| Loan and lease loss provision to assets | 0.1097% | 1,790 |
| Net operating income to assets | 1.0631% | 2,738 |
| Return on assets (ROA) | 1.1633% | 2,338 |
| Pretax return on assets | 1.5498% | 1,659 |
| Return on Equity (ROE) | 11.4568% | 1,924 |
| Retained earnings to average equity (ytd only) | 8.9349% | 1,239 |
| Net charge-offs to loans | 0.0045% | 3,013 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 419.0000% | 220 |
| Efficiency ratio | 65.2714% | 3,102 |
| Assets per employee ($millions) | 4.7864% | 2,697 |
| Cash dividends to net income (ytd only)* | 22.0126% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1510% | 407 |
| Loan loss allowance to noncurrent loans | 102.5078% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.7138% | 710 |
| Noncurrent loans to loans | 2.0983% | 683 |
| Net loans and leases to total assets | 79.9174% | 1,037 |
| Net loans and leases to deposits | 93.8429% | 1,372 |
| Net loans and leases to core deposits | 100.1051% | 1,731 |
| Total domestic deposits to total assets | 85.1608% | 2,614 |
| Equity capital to assets | 10.1616% | 3,474 |
| Core capital (leverage) ratio | 9.9434% | 3,639 |
| Tier 1 risk-based capital ratio | 11.4058% | 4,832 |
| Total risk-based capital ratio | 12.8885% | 4,598 |
| Memoranda: | ||
| Average total assets | $328,040,000 | 2,018 |
| Average earning assets | $308,123,670 | 1,999 |
| Average equity | $33,307,670 | 2,153 |
| Average total loans | $266,998,330 | 1,753 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 1,908 |
| Cost of funding earning assets | 0.3699% | 3,833 |
| Net interest margin | 4.1176% | 1,393 |
| Noninterest income to average assets | 0.4277% | 3,262 |
| Noninterest expense to average assets | 2.8952% | 2,384 |
| Loan and lease loss provision to assets | 0.1109% | 1,694 |
| Net operating income to assets | 0.9617% | 3,027 |
| Return on assets (ROA) | 1.1019% | 2,425 |
| Pretax return on assets | 1.4679% | 1,773 |
| Return on Equity (ROE) | 10.8566% | 2,026 |
| Retained earnings to average equity (ytd only) | 8.3064% | 1,727 |
| Net charge-offs to loans | 0.0030% | 2,627 |
| Credit loss provision to net charge-offs | 4,500.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 568.5000% | 111 |
| Efficiency ratio | 67.3838% | 2,935 |
| Assets per employee ($millions) | 4.3130% | 3,461 |
| Cash dividends to net income (ytd only)* | 23.4899% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1801% | 403 |
| Loan loss allowance to noncurrent loans | 105.9554% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.6700% | 786 |
| Noncurrent loans to loans | 2.0576% | 763 |
| Net loans and leases to total assets | 79.3937% | 1,020 |
| Net loans and leases to deposits | 91.7402% | 1,481 |
| Net loans and leases to core deposits | 98.1027% | 1,828 |
| Total domestic deposits to total assets | 86.5419% | 2,297 |
| Equity capital to assets | 10.1407% | 3,462 |
| Core capital (leverage) ratio | 9.9073% | 3,633 |
| Tier 1 risk-based capital ratio | 11.7634% | 4,706 |
| Total risk-based capital ratio | 13.2453% | 4,446 |
| Memoranda: | ||
| Average total assets | $324,537,000 | 2,051 |
| Average earning assets | $304,936,000 | 2,026 |
| Average equity | $32,938,500 | 2,189 |
| Average total loans | $263,674,500 | 1,777 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 1,889 |
| Cost of funding earning assets | 0.3153% | 3,999 |
| Net interest margin | 4.1325% | 1,341 |
| Noninterest income to average assets | 0.4599% | 3,244 |
| Noninterest expense to average assets | 2.9956% | 2,180 |
| Loan and lease loss provision to assets | 0.1835% | 1,163 |
| Net operating income to assets | 0.7342% | 3,453 |
| Return on assets (ROA) | 0.7364% | 3,485 |
| Pretax return on assets | 1.1787% | 2,855 |
| Return on Equity (ROE) | 7.9051% | 2,837 |
| Retained earnings to average equity (ytd only) | 5.7284% | 1,690 |
| Net charge-offs to loans | 0.0892% | 2,200 |
| Credit loss provision to net charge-offs | 253.3333% | 1,088 |
| Earnings coverage of net charge-offs (x) | 18.7600% | 2,063 |
| Efficiency ratio | 68.7980% | 2,747 |
| Assets per employee ($millions) | 4.4420% | 3,286 |
| Cash dividends to net income (ytd only)* | 27.5350% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9927% | 547 |
| Loan loss allowance to noncurrent loans | 89.2068% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.8251% | 671 |
| Noncurrent loans to loans | 2.2338% | 643 |
| Net loans and leases to total assets | 80.0752% | 948 |
| Net loans and leases to deposits | 92.2201% | 1,490 |
| Net loans and leases to core deposits | 99.5808% | 1,746 |
| Total domestic deposits to total assets | 86.8305% | 2,073 |
| Equity capital to assets | 9.3852% | 4,348 |
| Core capital (leverage) ratio | 9.0406% | 4,596 |
| Tier 1 risk-based capital ratio | 10.9811% | 5,161 |
| Total risk-based capital ratio | 12.5061% | 4,886 |
| Memoranda: | ||
| Average total assets | $310,687,400 | 2,115 |
| Average earning assets | $292,777,000 | 2,081 |
| Average equity | $28,943,400 | 2,432 |
| Average total loans | $252,190,400 | 1,801 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 1,938 |
| Cost of funding earning assets | 0.3058% | 4,078 |
| Net interest margin | 4.1031% | 1,380 |
| Noninterest income to average assets | 0.4431% | 3,380 |
| Noninterest expense to average assets | 3.0401% | 1,997 |
| Loan and lease loss provision to assets | 0.1816% | 1,096 |
| Net operating income to assets | 0.6677% | 4,130 |
| Return on assets (ROA) | 0.6718% | 4,169 |
| Pretax return on assets | 1.0916% | 3,332 |
| Return on Equity (ROE) | 7.2256% | 3,534 |
| Retained earnings to average equity (ytd only) | 4.9937% | 2,892 |
| Net charge-offs to loans | 0.0208% | 3,071 |
| Credit loss provision to net charge-offs | 1,076.9231% | 337 |
| Earnings coverage of net charge-offs (x) | 75.1263% | 854 |
| Efficiency ratio | 70.5882% | 2,440 |
| Assets per employee ($millions) | 4.2750% | 3,518 |
| Cash dividends to net income (ytd only)* | 30.8878% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0096% | 562 |
| Loan loss allowance to noncurrent loans | 85.4744% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.9390% | 686 |
| Noncurrent loans to loans | 2.3511% | 669 |
| Net loans and leases to total assets | 80.8125% | 870 |
| Net loans and leases to deposits | 92.7273% | 1,454 |
| Net loans and leases to core deposits | 100.4969% | 1,663 |
| Total domestic deposits to total assets | 87.1507% | 1,797 |
| Equity capital to assets | 9.2932% | 4,650 |
| Core capital (leverage) ratio | 8.9682% | 4,776 |
| Tier 1 risk-based capital ratio | 10.6600% | 5,387 |
| Total risk-based capital ratio | 12.1389% | 5,200 |
| Memoranda: | ||
| Average total assets | $308,403,500 | 2,137 |
| Average earning assets | $290,408,500 | 2,109 |
| Average equity | $28,675,250 | 2,468 |
| Average total loans | $249,911,500 | 1,826 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 1,903 |
| Cost of funding earning assets | 0.2944% | 4,135 |
| Net interest margin | 4.0791% | 1,387 |
| Noninterest income to average assets | 0.4363% | 3,446 |
| Noninterest expense to average assets | 3.1175% | 1,800 |
| Loan and lease loss provision to assets | 0.1962% | 941 |
| Net operating income to assets | 0.5707% | 4,428 |
| Return on assets (ROA) | 0.5769% | 4,461 |
| Pretax return on assets | 0.9661% | 3,701 |
| Return on Equity (ROE) | 6.2038% | 3,956 |
| Retained earnings to average equity (ytd only) | 3.8827% | 3,387 |
| Net charge-offs to loans | 0.0122% | 3,027 |
| Credit loss provision to net charge-offs | 2,000.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 117.4667% | 585 |
| Efficiency ratio | 73.0086% | 2,185 |
| Assets per employee ($millions) | 4.1567% | 3,702 |
| Cash dividends to net income (ytd only)* | 37.4150% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0553% | 545 |
| Loan loss allowance to noncurrent loans | 121.2771% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.3613% | 1,168 |
| Noncurrent loans to loans | 1.6947% | 1,073 |
| Net loans and leases to total assets | 78.6785% | 1,142 |
| Net loans and leases to deposits | 90.5982% | 1,654 |
| Net loans and leases to core deposits | 97.8147% | 1,825 |
| Total domestic deposits to total assets | 86.8433% | 2,020 |
| Equity capital to assets | 9.2276% | 4,698 |
| Core capital (leverage) ratio | 8.9883% | 4,739 |
| Tier 1 risk-based capital ratio | 11.0603% | 5,224 |
| Total risk-based capital ratio | 12.5150% | 4,994 |
| Memoranda: | ||
| Average total assets | $305,754,330 | 2,158 |
| Average earning assets | $287,369,000 | 2,128 |
| Average equity | $28,434,000 | 2,474 |
| Average total loans | $246,250,670 | 1,848 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3426% | 1,841 |
| Cost of funding earning assets | 0.2719% | 4,336 |
| Net interest margin | 4.0707% | 1,298 |
| Noninterest income to average assets | 0.4320% | 3,432 |
| Noninterest expense to average assets | 3.1735% | 1,686 |
| Loan and lease loss provision to assets | 0.1982% | 834 |
| Net operating income to assets | 0.5305% | 4,465 |
| Return on assets (ROA) | 0.5272% | 4,524 |
| Pretax return on assets | 0.8720% | 3,859 |
| Return on Equity (ROE) | 5.6461% | 4,064 |
| Retained earnings to average equity (ytd only) | 2.6744% | 4,069 |
| Net charge-offs to loans | -0.0016% | 3,990 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6891% | 2,110 |
| Assets per employee ($millions) | 4.3898% | 3,351 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0322% | 629 |
| Loan loss allowance to noncurrent loans | 116.2839% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.4029% | 1,190 |
| Noncurrent loans to loans | 1.7476% | 1,091 |
| Net loans and leases to total assets | 78.6467% | 1,037 |
| Net loans and leases to deposits | 90.2154% | 1,506 |
| Net loans and leases to core deposits | 98.6352% | 1,608 |
| Total domestic deposits to total assets | 87.1766% | 2,123 |
| Equity capital to assets | 9.2312% | 4,585 |
| Core capital (leverage) ratio | 9.0820% | 4,646 |
| Tier 1 risk-based capital ratio | 11.0548% | 5,278 |
| Total risk-based capital ratio | 12.5106% | 5,067 |
| Memoranda: | ||
| Average total assets | $302,756,000 | 2,188 |
| Average earning assets | $283,882,000 | 2,171 |
| Average equity | $28,267,500 | 2,493 |
| Average total loans | $244,162,000 | 1,871 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3377% | 2,020 |
| Cost of funding earning assets | 0.2729% | 4,332 |
| Net interest margin | 4.0647% | 1,461 |
| Noninterest income to average assets | 0.5361% | 2,995 |
| Noninterest expense to average assets | 3.1188% | 1,976 |
| Loan and lease loss provision to assets | 0.2628% | 781 |
| Net operating income to assets | 0.6411% | 4,038 |
| Return on assets (ROA) | 0.6552% | 4,094 |
| Pretax return on assets | 1.0011% | 3,474 |
| Return on Equity (ROE) | 6.7550% | 3,615 |
| Retained earnings to average equity (ytd only) | 3.8291% | 3,195 |
| Net charge-offs to loans | 0.4006% | 659 |
| Credit loss provision to net charge-offs | 82.5991% | 2,936 |
| Earnings coverage of net charge-offs (x) | 3.9042% | 3,593 |
| Efficiency ratio | 71.5170% | 2,665 |
| Assets per employee ($millions) | 4.0834% | 3,823 |
| Cash dividends to net income (ytd only)* | 43.3155% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0119% | 643 |
| Loan loss allowance to noncurrent loans | 65.1306% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 2.5043% | 476 |
| Noncurrent loans to loans | 3.0891% | 432 |
| Net loans and leases to total assets | 79.4391% | 970 |
| Net loans and leases to deposits | 92.1916% | 1,427 |
| Net loans and leases to core deposits | 99.2252% | 1,690 |
| Total domestic deposits to total assets | 86.1674% | 2,505 |
| Equity capital to assets | 9.3514% | 4,426 |
| Core capital (leverage) ratio | 9.2095% | 4,466 |
| Tier 1 risk-based capital ratio | 11.0126% | 5,341 |
| Total risk-based capital ratio | 12.4741% | 5,103 |
| Memoranda: | ||
| Average total assets | $285,396,200 | 2,246 |
| Average earning assets | $268,555,000 | 2,224 |
| Average equity | $27,683,000 | 2,525 |
| Average total loans | $226,652,800 | 1,933 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3513% | 1,995 |
| Cost of funding earning assets | 0.2739% | 4,348 |
| Net interest margin | 4.0774% | 1,454 |
| Noninterest income to average assets | 0.5268% | 3,064 |
| Noninterest expense to average assets | 3.1530% | 1,891 |
| Loan and lease loss provision to assets | 0.2126% | 987 |
| Net operating income to assets | 0.6576% | 4,042 |
| Return on assets (ROA) | 0.6666% | 4,138 |
| Pretax return on assets | 1.0148% | 3,583 |
| Return on Equity (ROE) | 6.8076% | 3,661 |
| Retained earnings to average equity (ytd only) | 3.9128% | 3,514 |
| Net charge-offs to loans | 0.5395% | 392 |
| Credit loss provision to net charge-offs | 49.8891% | 3,037 |
| Earnings coverage of net charge-offs (x) | 2.8481% | 3,510 |
| Efficiency ratio | 72.2060% | 2,550 |
| Assets per employee ($millions) | 5.5232% | 1,831 |
| Cash dividends to net income (ytd only)* | 42.5229% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9650% | 764 |
| Loan loss allowance to noncurrent loans | 60.3993% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 2.5836% | 520 |
| Noncurrent loans to loans | 3.2533% | 430 |
| Net loans and leases to total assets | 77.8546% | 1,226 |
| Net loans and leases to deposits | 88.9117% | 1,903 |
| Net loans and leases to core deposits | 95.8591% | 2,005 |
| Total domestic deposits to total assets | 87.5639% | 1,630 |
| Equity capital to assets | 9.5860% | 4,570 |
| Core capital (leverage) ratio | 9.3758% | 4,363 |
| Tier 1 risk-based capital ratio | 11.1907% | 5,261 |
| Total risk-based capital ratio | 12.6600% | 5,045 |
| Memoranda: | ||
| Average total assets | $282,224,000 | 2,276 |
| Average earning assets | $265,782,500 | 2,251 |
| Average equity | $27,635,000 | 2,548 |
| Average total loans | $222,901,500 | 1,968 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3938% | 1,847 |
| Cost of funding earning assets | 0.2759% | 4,385 |
| Net interest margin | 4.1179% | 1,323 |
| Noninterest income to average assets | 0.5260% | 3,032 |
| Noninterest expense to average assets | 3.1723% | 1,879 |
| Loan and lease loss provision to assets | 0.2153% | 976 |
| Net operating income to assets | 0.6384% | 4,105 |
| Return on assets (ROA) | 0.6558% | 4,163 |
| Pretax return on assets | 1.0433% | 3,422 |
| Return on Equity (ROE) | 6.6490% | 3,722 |
| Retained earnings to average equity (ytd only) | 3.8119% | 3,458 |
| Net charge-offs to loans | 0.0446% | 2,579 |
| Credit loss provision to net charge-offs | 612.2449% | 554 |
| Earnings coverage of net charge-offs (x) | 35.0204% | 1,260 |
| Efficiency ratio | 72.0385% | 2,647 |
| Assets per employee ($millions) | 4.1700% | 3,622 |
| Cash dividends to net income (ytd only)* | 42.6696% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3523% | 430 |
| Loan loss allowance to noncurrent loans | 76.8928% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 2.4175% | 589 |
| Noncurrent loans to loans | 3.0592% | 481 |
| Net loans and leases to total assets | 77.1658% | 1,306 |
| Net loans and leases to deposits | 88.2241% | 1,961 |
| Net loans and leases to core deposits | 94.0459% | 2,167 |
| Total domestic deposits to total assets | 87.4657% | 1,682 |
| Equity capital to assets | 9.8393% | 4,401 |
| Core capital (leverage) ratio | 9.4752% | 4,237 |
| Tier 1 risk-based capital ratio | 11.5832% | 5,099 |
| Total risk-based capital ratio | 13.0600% | 4,845 |
| Memoranda: | ||
| Average total assets | $278,722,330 | 2,310 |
| Average earning assets | $262,461,330 | 2,279 |
| Average equity | $27,493,000 | 2,566 |
| Average total loans | $219,711,670 | 1,984 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3657% | 1,906 |
| Cost of funding earning assets | 0.2769% | 4,424 |
| Net interest margin | 4.0888% | 1,373 |
| Noninterest income to average assets | 0.4922% | 3,176 |
| Noninterest expense to average assets | 3.2153% | 1,805 |
| Loan and lease loss provision to assets | 0.2172% | 889 |
| Net operating income to assets | 0.5780% | 4,282 |
| Return on assets (ROA) | 0.5762% | 4,400 |
| Pretax return on assets | 0.9048% | 3,828 |
| Return on Equity (ROE) | 5.8337% | 4,062 |
| Retained earnings to average equity (ytd only) | 2.9755% | 4,024 |
| Net charge-offs to loans | 0.0864% | 1,631 |
| Credit loss provision to net charge-offs | 319.1489% | 815 |
| Earnings coverage of net charge-offs (x) | 16.5319% | 1,614 |
| Efficiency ratio | 74.0827% | 2,462 |
| Assets per employee ($millions) | 3.9307% | 4,074 |
| Cash dividends to net income (ytd only)* | 48.9950% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3350% | 484 |
| Loan loss allowance to noncurrent loans | 82.4694% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 2.2259% | 731 |
| Noncurrent loans to loans | 2.8314% | 603 |
| Net loans and leases to total assets | 76.7800% | 1,281 |
| Net loans and leases to deposits | 87.2815% | 1,906 |
| Net loans and leases to core deposits | 93.6345% | 2,035 |
| Total domestic deposits to total assets | 87.9682% | 1,658 |
| Equity capital to assets | 9.8163% | 4,320 |
| Core capital (leverage) ratio | 9.5190% | 4,164 |
| Tier 1 risk-based capital ratio | 11.6063% | 5,166 |
| Total risk-based capital ratio | 13.0475% | 4,952 |
| Memoranda: | ||
| Average total assets | $276,305,000 | 2,336 |
| Average earning assets | $260,027,000 | 2,303 |
| Average equity | $27,289,500 | 2,577 |
| Average total loans | $217,527,500 | 2,004 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4225% | 1,826 |
| Cost of funding earning assets | 0.2815% | 4,471 |
| Net interest margin | 4.1410% | 1,304 |
| Noninterest income to average assets | 0.6231% | 2,600 |
| Noninterest expense to average assets | 3.2296% | 1,889 |
| Loan and lease loss provision to assets | 0.5272% | 213 |
| Net operating income to assets | 0.5038% | 4,677 |
| Return on assets (ROA) | 0.5502% | 4,592 |
| Pretax return on assets | 0.8299% | 4,103 |
| Return on Equity (ROE) | 5.5709% | 4,251 |
| Retained earnings to average equity (ytd only) | 2.6798% | 4,165 |
| Net charge-offs to loans | 0.6242% | 385 |
| Credit loss provision to net charge-offs | 108.5973% | 2,325 |
| Earnings coverage of net charge-offs (x) | 2.6508% | 3,856 |
| Efficiency ratio | 71.5085% | 2,980 |
| Assets per employee ($millions) | 4.0257% | 3,891 |
| Cash dividends to net income (ytd only)* | 51.8962% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1889% | 604 |
| Loan loss allowance to noncurrent loans | 86.9245% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.9836% | 896 |
| Noncurrent loans to loans | 2.5181% | 724 |
| Net loans and leases to total assets | 77.0477% | 1,246 |
| Net loans and leases to deposits | 87.9232% | 1,884 |
| Net loans and leases to core deposits | 94.3971% | 2,008 |
| Total domestic deposits to total assets | 87.6307% | 1,830 |
| Equity capital to assets | 9.8689% | 4,116 |
| Core capital (leverage) ratio | 9.5038% | 4,163 |
| Tier 1 risk-based capital ratio | 11.7098% | 5,127 |
| Total risk-based capital ratio | 13.1622% | 4,915 |
| Memoranda: | ||
| Average total assets | $273,157,600 | 2,315 |
| Average earning assets | $256,820,200 | 2,289 |
| Average equity | $26,979,600 | 2,551 |
| Average total loans | $212,438,200 | 1,980 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4618% | 1,723 |
| Cost of funding earning assets | 0.2836% | 4,524 |
| Net interest margin | 4.1782% | 1,219 |
| Noninterest income to average assets | 0.6246% | 2,609 |
| Noninterest expense to average assets | 3.2198% | 1,915 |
| Loan and lease loss provision to assets | 0.3370% | 402 |
| Net operating income to assets | 0.6207% | 4,280 |
| Return on assets (ROA) | 0.6398% | 4,299 |
| Pretax return on assets | 1.0261% | 3,518 |
| Return on Equity (ROE) | 6.4760% | 3,926 |
| Retained earnings to average equity (ytd only) | 3.5841% | 3,918 |
| Net charge-offs to loans | 0.7604% | 273 |
| Credit loss provision to net charge-offs | 57.1665% | 2,944 |
| Earnings coverage of net charge-offs (x) | 2.2618% | 3,696 |
| Efficiency ratio | 70.7176% | 3,093 |
| Assets per employee ($millions) | 3.9721% | 3,930 |
| Cash dividends to net income (ytd only)* | 44.6565% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9258% | 1,018 |
| Loan loss allowance to noncurrent loans | 121.2993% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.2299% | 1,908 |
| Noncurrent loans to loans | 1.5876% | 1,565 |
| Net loans and leases to total assets | 75.9795% | 1,391 |
| Net loans and leases to deposits | 86.6185% | 2,081 |
| Net loans and leases to core deposits | 92.0309% | 2,264 |
| Total domestic deposits to total assets | 87.7174% | 1,696 |
| Equity capital to assets | 9.8903% | 4,294 |
| Core capital (leverage) ratio | 9.5197% | 4,276 |
| Tier 1 risk-based capital ratio | 11.6045% | 5,325 |
| Total risk-based capital ratio | 13.0446% | 5,124 |
| Memoranda: | ||
| Average total assets | $273,009,500 | 2,331 |
| Average earning assets | $256,693,500 | 2,301 |
| Average equity | $26,970,500 | 2,563 |
| Average total loans | $211,638,250 | 1,993 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4542% | 1,681 |
| Cost of funding earning assets | 0.2806% | 4,605 |
| Net interest margin | 4.1735% | 1,165 |
| Noninterest income to average assets | 0.5788% | 2,863 |
| Noninterest expense to average assets | 3.1505% | 2,116 |
| Loan and lease loss provision to assets | 0.2494% | 702 |
| Net operating income to assets | 0.7052% | 3,866 |
| Return on assets (ROA) | 0.7306% | 3,848 |
| Pretax return on assets | 1.1458% | 2,986 |
| Return on Equity (ROE) | 7.3983% | 3,374 |
| Retained earnings to average equity (ytd only) | 4.5014% | 3,154 |
| Net charge-offs to loans | 0.0038% | 3,766 |
| Credit loss provision to net charge-offs | 8,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 462.0000% | 142 |
| Efficiency ratio | 69.9170% | 3,342 |
| Assets per employee ($millions) | 4.1986% | 3,473 |
| Cash dividends to net income (ytd only)* | 39.1566% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2751% | 655 |
| Loan loss allowance to noncurrent loans | 164.4045% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 1.0848% | 2,343 |
| Noncurrent loans to loans | 1.3838% | 1,951 |
| Net loans and leases to total assets | 76.6060% | 1,289 |
| Net loans and leases to deposits | 88.2875% | 1,795 |
| Net loans and leases to core deposits | 96.0022% | 1,800 |
| Total domestic deposits to total assets | 86.7687% | 2,286 |
| Equity capital to assets | 9.7925% | 4,287 |
| Core capital (leverage) ratio | 9.3221% | 4,524 |
| Tier 1 risk-based capital ratio | 11.5333% | 5,441 |
| Total risk-based capital ratio | 13.0484% | 5,189 |
| Memoranda: | ||
| Average total assets | $272,653,330 | 2,351 |
| Average earning assets | $256,569,000 | 2,319 |
| Average equity | $26,925,000 | 2,577 |
| Average total loans | $211,407,000 | 2,002 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 1,674 |
| Cost of funding earning assets | 0.2815% | 4,652 |
| Net interest margin | 4.1436% | 1,174 |
| Noninterest income to average assets | 0.5133% | 3,204 |
| Noninterest expense to average assets | 3.0988% | 2,274 |
| Loan and lease loss provision to assets | 0.1553% | 1,308 |
| Net operating income to assets | 0.7363% | 3,613 |
| Return on assets (ROA) | 0.7647% | 3,589 |
| Pretax return on assets | 1.2011% | 2,660 |
| Return on Equity (ROE) | 7.7108% | 3,115 |
| Retained earnings to average equity (ytd only) | 4.8025% | 3,172 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2549% | 3,437 |
| Assets per employee ($millions) | 3.7875% | 4,364 |
| Cash dividends to net income (ytd only)* | 37.7176% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2279% | 775 |
| Loan loss allowance to noncurrent loans | 147.5415% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 1.1709% | 2,291 |
| Noncurrent loans to loans | 1.5100% | 1,868 |
| Net loans and leases to total assets | 75.8138% | 1,236 |
| Net loans and leases to deposits | 86.6550% | 1,758 |
| Net loans and leases to core deposits | 94.3425% | 1,738 |
| Total domestic deposits to total assets | 87.4892% | 2,111 |
| Equity capital to assets | 9.9090% | 4,257 |
| Core capital (leverage) ratio | 9.4689% | 4,326 |
| Tier 1 risk-based capital ratio | 11.1454% | 5,739 |
| Total risk-based capital ratio | 12.6571% | 5,513 |
| Memoranda: | ||
| Average total assets | $270,425,500 | 2,378 |
| Average earning assets | $254,368,500 | 2,353 |
| Average equity | $26,819,500 | 2,601 |
| Average total loans | $208,498,500 | 2,021 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4474% | 2,080 |
| Cost of funding earning assets | 0.2899% | 4,895 |
| Net interest margin | 4.1574% | 1,410 |
| Noninterest income to average assets | 0.5767% | 3,011 |
| Noninterest expense to average assets | 3.1718% | 2,284 |
| Loan and lease loss provision to assets | 0.1607% | 1,636 |
| Net operating income to assets | 0.7184% | 3,800 |
| Return on assets (ROA) | 0.7669% | 3,636 |
| Pretax return on assets | 1.2105% | 2,609 |
| Return on Equity (ROE) | 7.7154% | 3,265 |
| Retained earnings to average equity (ytd only) | 4.2504% | 3,163 |
| Net charge-offs to loans | 0.0081% | 4,759 |
| Credit loss provision to net charge-offs | 2,625.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 211.5625% | 250 |
| Efficiency ratio | 71.0015% | 3,373 |
| Assets per employee ($millions) | 3.8334% | 4,279 |
| Cash dividends to net income (ytd only)* | 44.9102% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1438% | 891 |
| Loan loss allowance to noncurrent loans | 184.2744% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.8910% | 2,976 |
| Noncurrent loans to loans | 1.1634% | 2,506 |
| Net loans and leases to total assets | 74.9486% | 1,427 |
| Net loans and leases to deposits | 87.5215% | 1,789 |
| Net loans and leases to core deposits | 94.4561% | 1,873 |
| Total domestic deposits to total assets | 85.6344% | 3,020 |
| Equity capital to assets | 9.8623% | 4,279 |
| Core capital (leverage) ratio | 9.4514% | 4,304 |
| Tier 1 risk-based capital ratio | 11.2416% | 5,798 |
| Total risk-based capital ratio | 12.7655% | 5,572 |
| Memoranda: | ||
| Average total assets | $261,304,600 | 2,416 |
| Average earning assets | $244,526,600 | 2,388 |
| Average equity | $25,974,000 | 2,572 |
| Average total loans | $196,364,000 | 2,062 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4341% | 2,100 |
| Cost of funding earning assets | 0.2927% | 4,956 |
| Net interest margin | 4.1414% | 1,461 |
| Noninterest income to average assets | 0.6000% | 2,870 |
| Noninterest expense to average assets | 3.2158% | 2,129 |
| Loan and lease loss provision to assets | 0.1618% | 1,540 |
| Net operating income to assets | 0.6956% | 3,962 |
| Return on assets (ROA) | 0.7706% | 3,670 |
| Pretax return on assets | 1.2134% | 2,723 |
| Return on Equity (ROE) | 7.7363% | 3,345 |
| Retained earnings to average equity (ytd only) | 4.7191% | 3,268 |
| Net charge-offs to loans | 0.0055% | 4,503 |
| Credit loss provision to net charge-offs | 3,937.5000% | 97 |
| Earnings coverage of net charge-offs (x) | 306.0216% | 230 |
| Efficiency ratio | 71.8797% | 3,203 |
| Assets per employee ($millions) | 3.8040% | 4,279 |
| Cash dividends to net income (ytd only)* | 39.0000% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1470% | 1,026 |
| Loan loss allowance to noncurrent loans | 280.7166% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.6944% | 3,732 |
| Noncurrent loans to loans | 0.7648% | 3,679 |
| Net loans and leases to total assets | 73.7512% | 1,564 |
| Net loans and leases to deposits | 86.2443% | 1,881 |
| Net loans and leases to core deposits | 92.7969% | 1,972 |
| Total domestic deposits to total assets | 85.5143% | 3,108 |
| Equity capital to assets | 9.8936% | 4,308 |
| Core capital (leverage) ratio | 9.4946% | 4,384 |
| Tier 1 risk-based capital ratio | 11.4126% | 5,832 |
| Total risk-based capital ratio | 12.9526% | 5,590 |
| Memoranda: | ||
| Average total assets | $259,546,750 | 2,455 |
| Average earning assets | $242,779,500 | 2,418 |
| Average equity | $25,851,500 | 2,593 |
| Average total loans | $194,075,000 | 2,092 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 2,072 |
| Cost of funding earning assets | 0.2980% | 4,989 |
| Net interest margin | 4.1297% | 1,428 |
| Noninterest income to average assets | 0.5822% | 2,913 |
| Noninterest expense to average assets | 3.2647% | 2,006 |
| Loan and lease loss provision to assets | 0.1632% | 1,512 |
| Net operating income to assets | 0.6470% | 4,116 |
| Return on assets (ROA) | 0.6848% | 4,019 |
| Pretax return on assets | 1.0703% | 3,210 |
| Return on Equity (ROE) | 6.8595% | 3,694 |
| Retained earnings to average equity (ytd only) | 3.8229% | 3,746 |
| Net charge-offs to loans | 0.0073% | 4,138 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 215.8571% | 312 |
| Efficiency ratio | 73.5423% | 3,056 |
| Assets per employee ($millions) | 4.0588% | 3,714 |
| Cash dividends to net income (ytd only)* | 44.2679% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1299% | 1,123 |
| Loan loss allowance to noncurrent loans | 246.9172% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.7645% | 3,674 |
| Noncurrent loans to loans | 0.8626% | 3,544 |
| Net loans and leases to total assets | 73.2381% | 1,542 |
| Net loans and leases to deposits | 86.0127% | 1,813 |
| Net loans and leases to core deposits | 91.6199% | 1,962 |
| Total domestic deposits to total assets | 85.1480% | 3,437 |
| Equity capital to assets | 9.9180% | 4,221 |
| Core capital (leverage) ratio | 9.4413% | 4,410 |
| Tier 1 risk-based capital ratio | 11.4614% | 5,824 |
| Total risk-based capital ratio | 13.0867% | 5,557 |
| Memoranda: | ||
| Average total assets | $257,301,330 | 2,479 |
| Average earning assets | $240,307,670 | 2,440 |
| Average equity | $25,687,000 | 2,594 |
| Average total loans | $191,868,000 | 2,113 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4234% | 2,050 |
| Cost of funding earning assets | 0.3004% | 5,060 |
| Net interest margin | 4.1230% | 1,406 |
| Noninterest income to average assets | 0.5479% | 3,062 |
| Noninterest expense to average assets | 3.0908% | 2,564 |
| Loan and lease loss provision to assets | 0.1653% | 1,463 |
| Net operating income to assets | 0.7308% | 3,538 |
| Return on assets (ROA) | 0.7227% | 3,658 |
| Pretax return on assets | 1.1258% | 2,787 |
| Return on Equity (ROE) | 7.2149% | 3,344 |
| Retained earnings to average equity (ytd only) | 4.1497% | 3,640 |
| Net charge-offs to loans | 0.0042% | 3,588 |
| Credit loss provision to net charge-offs | 5,250.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 414.0000% | 110 |
| Efficiency ratio | 70.3332% | 3,774 |
| Assets per employee ($millions) | 3.9052% | 4,136 |
| Cash dividends to net income (ytd only)* | 42.4837% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1654% | 1,214 |
| Loan loss allowance to noncurrent loans | 334.2834% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 4,318 |
| Noncurrent loans to loans | 0.6478% | 4,242 |
| Net loans and leases to total assets | 73.0668% | 1,419 |
| Net loans and leases to deposits | 85.1858% | 1,705 |
| Net loans and leases to core deposits | 88.7068% | 2,025 |
| Total domestic deposits to total assets | 85.7734% | 3,484 |
| Equity capital to assets | 10.1046% | 3,720 |
| Core capital (leverage) ratio | 9.6433% | 4,075 |
| Tier 1 risk-based capital ratio | 11.8060% | 5,759 |
| Total risk-based capital ratio | 13.3927% | 5,470 |
| Memoranda: | ||
| Average total assets | $254,040,500 | 2,515 |
| Average earning assets | $237,010,000 | 2,477 |
| Average equity | $25,447,500 | 2,602 |
| Average total loans | $189,090,000 | 2,142 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4950% | 2,227 |
| Cost of funding earning assets | 0.3472% | 5,166 |
| Net interest margin | 4.1477% | 1,513 |
| Noninterest income to average assets | 0.7185% | 2,441 |
| Noninterest expense to average assets | 3.1522% | 2,583 |
| Loan and lease loss provision to assets | 0.3262% | 1,000 |
| Net operating income to assets | 0.7709% | 3,441 |
| Return on assets (ROA) | 0.7777% | 3,508 |
| Pretax return on assets | 1.1222% | 2,875 |
| Return on Equity (ROE) | 7.6856% | 3,203 |
| Retained earnings to average equity (ytd only) | 5.4488% | 2,314 |
| Net charge-offs to loans | 0.2412% | 2,529 |
| Credit loss provision to net charge-offs | 184.7575% | 1,239 |
| Earnings coverage of net charge-offs (x) | 8.1478% | 2,720 |
| Efficiency ratio | 68.6623% | 4,071 |
| Assets per employee ($millions) | 3.9115% | 4,046 |
| Cash dividends to net income (ytd only)* | 29.1033% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1219% | 1,296 |
| Loan loss allowance to noncurrent loans | 395.4545% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.5392% | 4,613 |
| Noncurrent loans to loans | 0.5366% | 4,651 |
| Net loans and leases to total assets | 72.6084% | 1,578 |
| Net loans and leases to deposits | 85.3617% | 1,764 |
| Net loans and leases to core deposits | 88.2990% | 2,211 |
| Total domestic deposits to total assets | 85.0597% | 3,710 |
| Equity capital to assets | 9.9298% | 3,860 |
| Core capital (leverage) ratio | 9.5987% | 4,116 |
| Tier 1 risk-based capital ratio | 11.7941% | 5,748 |
| Total risk-based capital ratio | 13.3838% | 5,475 |
| Memoranda: | ||
| Average total assets | $245,224,800 | 2,576 |
| Average earning assets | $228,945,800 | 2,523 |
| Average equity | $24,812,600 | 2,643 |
| Average total loans | $179,541,000 | 2,197 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4918% | 2,266 |
| Cost of funding earning assets | 0.3583% | 5,210 |
| Net interest margin | 4.1335% | 1,527 |
| Noninterest income to average assets | 0.7326% | 2,448 |
| Noninterest expense to average assets | 3.2552% | 2,193 |
| Loan and lease loss provision to assets | 0.1235% | 2,749 |
| Net operating income to assets | 0.7858% | 3,419 |
| Return on assets (ROA) | 0.7940% | 3,510 |
| Pretax return on assets | 1.2281% | 2,585 |
| Return on Equity (ROE) | 7.8095% | 3,225 |
| Retained earnings to average equity (ytd only) | 6.7571% | 2,000 |
| Net charge-offs to loans | 0.1767% | 2,806 |
| Credit loss provision to net charge-offs | 95.7447% | 2,491 |
| Earnings coverage of net charge-offs (x) | 10.3828% | 2,365 |
| Efficiency ratio | 70.8552% | 3,624 |
| Assets per employee ($millions) | 3.7946% | 4,256 |
| Cash dividends to net income (ytd only)* | 13.4759% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9725% | 1,790 |
| Loan loss allowance to noncurrent loans | 201.9499% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 3,966 |
| Noncurrent loans to loans | 0.9767% | 3,856 |
| Net loans and leases to total assets | 71.9341% | 1,605 |
| Net loans and leases to deposits | 82.8367% | 2,024 |
| Net loans and leases to core deposits | 85.4884% | 2,469 |
| Total domestic deposits to total assets | 86.8385% | 2,784 |
| Equity capital to assets | 9.9883% | 3,917 |
| Core capital (leverage) ratio | 9.7522% | 4,028 |
| Tier 1 risk-based capital ratio | 11.8776% | 5,855 |
| Total risk-based capital ratio | 13.3979% | 5,622 |
| Memoranda: | ||
| Average total assets | $242,969,500 | 2,609 |
| Average earning assets | $226,984,000 | 2,555 |
| Average equity | $24,704,250 | 2,680 |
| Average total loans | $177,274,750 | 2,231 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 2,119 |
| Cost of funding earning assets | 0.3678% | 5,249 |
| Net interest margin | 4.1520% | 1,402 |
| Noninterest income to average assets | 0.7560% | 2,387 |
| Noninterest expense to average assets | 3.3367% | 1,976 |
| Loan and lease loss provision to assets | 0.1248% | 2,762 |
| Net operating income to assets | 0.7596% | 3,515 |
| Return on assets (ROA) | 0.7710% | 3,616 |
| Pretax return on assets | 1.1893% | 2,722 |
| Return on Equity (ROE) | 7.5364% | 3,333 |
| Retained earnings to average equity (ytd only) | 7.5364% | 1,654 |
| Net charge-offs to loans | 0.0594% | 3,852 |
| Credit loss provision to net charge-offs | 288.4615% | 894 |
| Earnings coverage of net charge-offs (x) | 29.9808% | 1,146 |
| Efficiency ratio | 72.0158% | 3,463 |
| Assets per employee ($millions) | 3.6989% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0732% | 1,695 |
| Loan loss allowance to noncurrent loans | 159.6664% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.9995% | 3,759 |
| Noncurrent loans to loans | 1.2985% | 3,383 |
| Net loans and leases to total assets | 72.2273% | 1,539 |
| Net loans and leases to deposits | 82.5812% | 1,981 |
| Net loans and leases to core deposits | 85.4453% | 2,390 |
| Total domestic deposits to total assets | 87.4622% | 2,559 |
| Equity capital to assets | 10.1264% | 3,756 |
| Core capital (leverage) ratio | 9.7961% | 3,797 |
| Tier 1 risk-based capital ratio | 11.7901% | 5,922 |
| Total risk-based capital ratio | 13.2955% | 5,719 |
| Memoranda: | ||
| Average total assets | $240,478,330 | 2,647 |
| Average earning assets | $224,567,000 | 2,591 |
| Average equity | $24,600,670 | 2,709 |
| Average total loans | $175,106,670 | 2,253 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5727% | 1,918 |
| Cost of funding earning assets | 0.3761% | 5,318 |
| Net interest margin | 4.1966% | 1,193 |
| Noninterest income to average assets | 0.8095% | 2,090 |
| Noninterest expense to average assets | 3.3856% | 1,863 |
| Loan and lease loss provision to assets | 0.1257% | 2,663 |
| Net operating income to assets | 0.7959% | 3,189 |
| Return on assets (ROA) | 0.8079% | 3,247 |
| Pretax return on assets | 1.2436% | 2,422 |
| Return on Equity (ROE) | 7.8564% | 3,046 |
| Retained earnings to average equity (ytd only) | 7.8564% | 1,798 |
| Net charge-offs to loans | 0.0348% | 3,543 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 53.7333% | 638 |
| Efficiency ratio | 71.4791% | 3,719 |
| Assets per employee ($millions) | 3.4402% | 5,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1279% | 1,736 |
| Loan loss allowance to noncurrent loans | 155.9730% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 1.0519% | 3,830 |
| Noncurrent loans to loans | 1.3643% | 3,520 |
| Net loans and leases to total assets | 71.5958% | 1,418 |
| Net loans and leases to deposits | 81.4892% | 1,896 |
| Net loans and leases to core deposits | 83.9412% | 2,330 |
| Total domestic deposits to total assets | 87.8592% | 2,407 |
| Equity capital to assets | 10.4372% | 3,621 |
| Core capital (leverage) ratio | 9.7158% | 3,777 |
| Tier 1 risk-based capital ratio | 12.0836% | 5,864 |
| Total risk-based capital ratio | 13.6091% | 5,628 |
| Memoranda: | ||
| Average total assets | $238,655,000 | 2,688 |
| Average earning assets | $223,323,000 | 2,634 |
| Average equity | $24,540,500 | 2,752 |
| Average total loans | $172,631,000 | 2,296 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5977% | 3,013 |
| Cost of funding earning assets | 0.4544% | 5,551 |
| Net interest margin | 4.1433% | 1,846 |
| Noninterest income to average assets | 0.7591% | 2,455 |
| Noninterest expense to average assets | 3.2409% | 2,490 |
| Loan and lease loss provision to assets | 0.2912% | 2,345 |
| Net operating income to assets | 0.7603% | 3,466 |
| Return on assets (ROA) | 0.8145% | 3,467 |
| Pretax return on assets | 1.1672% | 2,914 |
| Return on Equity (ROE) | 7.8496% | 3,152 |
| Retained earnings to average equity (ytd only) | 2.3789% | 4,556 |
| Net charge-offs to loans | 0.0624% | 5,070 |
| Credit loss provision to net charge-offs | 677.0000% | 366 |
| Earnings coverage of net charge-offs (x) | 32.1100% | 961 |
| Efficiency ratio | 70.1219% | 3,791 |
| Assets per employee ($millions) | 3.6354% | 4,697 |
| Cash dividends to net income (ytd only)* | 69.6938% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1181% | 1,718 |
| Loan loss allowance to noncurrent loans | 147.8845% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 1.0778% | 3,868 |
| Noncurrent loans to loans | 1.4323% | 3,446 |
| Net loans and leases to total assets | 70.0113% | 1,837 |
| Net loans and leases to deposits | 82.6810% | 1,913 |
| Net loans and leases to core deposits | 84.6488% | 2,473 |
| Total domestic deposits to total assets | 84.6764% | 4,000 |
| Equity capital to assets | 10.1302% | 4,001 |
| Core capital (leverage) ratio | 9.4532% | 4,179 |
| Tier 1 risk-based capital ratio | 12.2111% | 5,651 |
| Total risk-based capital ratio | 13.7279% | 5,447 |
| Memoranda: | ||
| Average total assets | $232,524,600 | 2,700 |
| Average earning assets | $216,783,400 | 2,648 |
| Average equity | $24,128,600 | 2,736 |
| Average total loans | $160,242,200 | 2,426 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5439% | 3,450 |
| Cost of funding earning assets | 0.4659% | 5,674 |
| Net interest margin | 4.0780% | 2,184 |
| Noninterest income to average assets | 0.7034% | 2,701 |
| Noninterest expense to average assets | 3.3293% | 2,187 |
| Loan and lease loss provision to assets | 0.1040% | 4,272 |
| Net operating income to assets | 0.7201% | 3,828 |
| Return on assets (ROA) | 0.7468% | 3,955 |
| Pretax return on assets | 1.1092% | 3,318 |
| Return on Equity (ROE) | 7.1525% | 3,722 |
| Retained earnings to average equity (ytd only) | 3.9139% | 4,131 |
| Net charge-offs to loans | 0.0813% | 4,586 |
| Credit loss provision to net charge-offs | 187.5000% | 1,472 |
| Earnings coverage of net charge-offs (x) | 21.1453% | 1,417 |
| Efficiency ratio | 73.9409% | 2,992 |
| Assets per employee ($millions) | 3.7347% | 4,466 |
| Cash dividends to net income (ytd only)* | 45.2787% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8707% | 2,579 |
| Loan loss allowance to noncurrent loans | 127.9316% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 1.0811% | 4,135 |
| Noncurrent loans to loans | 1.4623% | 3,603 |
| Net loans and leases to total assets | 68.9552% | 2,121 |
| Net loans and leases to deposits | 79.7391% | 2,431 |
| Net loans and leases to core deposits | 81.7317% | 2,999 |
| Total domestic deposits to total assets | 86.4760% | 2,998 |
| Equity capital to assets | 10.2971% | 4,079 |
| Core capital (leverage) ratio | 9.6957% | 3,962 |
| Tier 1 risk-based capital ratio | 12.4316% | 5,689 |
| Total risk-based capital ratio | 13.9575% | 5,441 |
| Memoranda: | ||
| Average total assets | $230,671,500 | 2,744 |
| Average earning assets | $214,904,750 | 2,700 |
| Average equity | $24,084,250 | 2,771 |
| Average total loans | $157,398,250 | 2,490 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5434% | 3,591 |
| Cost of funding earning assets | 0.4753% | 5,796 |
| Net interest margin | 4.0681% | 2,217 |
| Noninterest income to average assets | 0.6872% | 2,735 |
| Noninterest expense to average assets | 3.3639% | 2,116 |
| Loan and lease loss provision to assets | 0.1053% | 4,208 |
| Net operating income to assets | 0.6851% | 3,947 |
| Return on assets (ROA) | 0.6863% | 4,203 |
| Pretax return on assets | 1.0058% | 3,683 |
| Return on Equity (ROE) | 6.5417% | 4,032 |
| Retained earnings to average equity (ytd only) | 3.2792% | 4,426 |
| Net charge-offs to loans | 0.0052% | 5,430 |
| Credit loss provision to net charge-offs | 3,000.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 316.0000% | 131 |
| Efficiency ratio | 75.2011% | 2,862 |
| Assets per employee ($millions) | 3.4169% | 5,177 |
| Cash dividends to net income (ytd only)* | 49.8721% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9926% | 2,251 |
| Loan loss allowance to noncurrent loans | 135.7571% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 1.0062% | 4,362 |
| Noncurrent loans to loans | 1.4678% | 3,709 |
| Net loans and leases to total assets | 67.1887% | 2,429 |
| Net loans and leases to deposits | 76.3486% | 2,936 |
| Net loans and leases to core deposits | 77.8824% | 3,536 |
| Total domestic deposits to total assets | 88.0026% | 2,139 |
| Equity capital to assets | 10.3400% | 3,896 |
| Core capital (leverage) ratio | 9.8825% | 3,606 |
| Tier 1 risk-based capital ratio | 12.8504% | 5,300 |
| Total risk-based capital ratio | 14.3783% | 5,068 |
| Memoranda: | ||
| Average total assets | $227,889,000 | 2,779 |
| Average earning assets | $212,088,000 | 2,735 |
| Average equity | $23,908,330 | 2,777 |
| Average total loans | $153,878,330 | 2,554 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6254% | 3,380 |
| Cost of funding earning assets | 0.4782% | 5,958 |
| Net interest margin | 4.1472% | 1,950 |
| Noninterest income to average assets | 0.7037% | 2,645 |
| Noninterest expense to average assets | 3.1623% | 2,728 |
| Loan and lease loss provision to assets | 0.1064% | 4,018 |
| Net operating income to assets | 0.8656% | 3,075 |
| Return on assets (ROA) | 0.8668% | 3,295 |
| Pretax return on assets | 1.2958% | 2,555 |
| Return on Equity (ROE) | 8.2013% | 3,194 |
| Retained earnings to average equity (ytd only) | 4.9308% | 3,600 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3085% | 3,929 |
| Assets per employee ($millions) | 3.5031% | 5,111 |
| Cash dividends to net income (ytd only)* | 39.8773% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0637% | 2,188 |
| Loan loss allowance to noncurrent loans | 214.5905% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.6381% | 5,295 |
| Noncurrent loans to loans | 0.9617% | 4,752 |
| Net loans and leases to total assets | 64.9838% | 2,649 |
| Net loans and leases to deposits | 74.3366% | 3,076 |
| Net loans and leases to core deposits | 76.3098% | 3,583 |
| Total domestic deposits to total assets | 87.4183% | 2,712 |
| Equity capital to assets | 10.5396% | 3,440 |
| Core capital (leverage) ratio | 10.1817% | 3,134 |
| Tier 1 risk-based capital ratio | 13.3906% | 4,902 |
| Total risk-based capital ratio | 14.9670% | 4,653 |
| Memoranda: | ||
| Average total assets | $225,658,500 | 2,821 |
| Average earning assets | $209,973,000 | 2,774 |
| Average equity | $23,850,000 | 2,780 |
| Average total loans | $151,174,000 | 2,614 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7337% | 4,108 |
| Cost of funding earning assets | 0.5711% | 6,234 |
| Net interest margin | 4.1627% | 2,185 |
| Noninterest income to average assets | 0.6974% | 2,614 |
| Noninterest expense to average assets | 3.3882% | 2,272 |
| Loan and lease loss provision to assets | 0.1527% | 4,714 |
| Net operating income to assets | 0.7037% | 3,470 |
| Return on assets (ROA) | 0.7886% | 3,253 |
| Pretax return on assets | 1.1269% | 2,733 |
| Return on Equity (ROE) | 7.4434% | 3,177 |
| Retained earnings to average equity (ytd only) | 2.5292% | 4,427 |
| Net charge-offs to loans | 0.0343% | 5,970 |
| Credit loss provision to net charge-offs | 673.4694% | 327 |
| Earnings coverage of net charge-offs (x) | 51.0816% | 548 |
| Efficiency ratio | 74.5216% | 3,140 |
| Assets per employee ($millions) | 3.7269% | 4,492 |
| Cash dividends to net income (ytd only)* | 66.0211% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0217% | 2,207 |
| Loan loss allowance to noncurrent loans | 261.8151% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 5,657 |
| Noncurrent loans to loans | 0.7722% | 5,147 |
| Net loans and leases to total assets | 66.2758% | 2,733 |
| Net loans and leases to deposits | 78.4785% | 2,763 |
| Net loans and leases to core deposits | 80.5949% | 3,373 |
| Total domestic deposits to total assets | 84.4509% | 4,118 |
| Equity capital to assets | 10.5991% | 3,416 |
| Core capital (leverage) ratio | 10.0191% | 3,314 |
| Tier 1 risk-based capital ratio | 13.4160% | 4,755 |
| Total risk-based capital ratio | 14.9678% | 4,504 |
| Memoranda: | ||
| Average total assets | $216,076,200 | 2,881 |
| Average earning assets | $199,800,400 | 2,857 |
| Average equity | $22,892,800 | 2,792 |
| Average total loans | $142,848,800 | 2,743 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7452% | 4,253 |
| Cost of funding earning assets | 0.5906% | 6,325 |
| Net interest margin | 4.1545% | 2,260 |
| Noninterest income to average assets | 0.6860% | 2,692 |
| Noninterest expense to average assets | 3.4075% | 2,172 |
| Loan and lease loss provision to assets | 0.0778% | 5,468 |
| Net operating income to assets | 0.7012% | 3,618 |
| Return on assets (ROA) | 0.8117% | 3,267 |
| Pretax return on assets | 1.1989% | 2,639 |
| Return on Equity (ROE) | 7.6622% | 3,197 |
| Retained earnings to average equity (ytd only) | 4.2248% | 3,724 |
| Net charge-offs to loans | 0.0350% | 5,656 |
| Credit loss provision to net charge-offs | 337.8378% | 837 |
| Earnings coverage of net charge-offs (x) | 48.3805% | 670 |
| Efficiency ratio | 75.3579% | 2,951 |
| Assets per employee ($millions) | 3.4446% | 5,130 |
| Cash dividends to net income (ytd only)* | 44.8620% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9596% | 2,445 |
| Loan loss allowance to noncurrent loans | 290.5680% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4473% | 5,973 |
| Noncurrent loans to loans | 0.6744% | 5,535 |
| Net loans and leases to total assets | 65.0193% | 3,100 |
| Net loans and leases to deposits | 74.4252% | 3,597 |
| Net loans and leases to core deposits | 77.6230% | 3,964 |
| Total domestic deposits to total assets | 87.3619% | 2,431 |
| Equity capital to assets | 10.6581% | 3,504 |
| Core capital (leverage) ratio | 10.2224% | 3,170 |
| Tier 1 risk-based capital ratio | 13.8817% | 4,429 |
| Total risk-based capital ratio | 15.3692% | 4,238 |
| Memoranda: | ||
| Average total assets | $214,191,750 | 2,911 |
| Average earning assets | $197,754,250 | 2,892 |
| Average equity | $22,690,750 | 2,815 |
| Average total loans | $140,746,000 | 2,796 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7526% | 4,286 |
| Cost of funding earning assets | 0.6178% | 6,371 |
| Net interest margin | 4.1348% | 2,285 |
| Noninterest income to average assets | 0.6770% | 2,670 |
| Noninterest expense to average assets | 3.5124% | 1,951 |
| Loan and lease loss provision to assets | 0.0754% | 5,369 |
| Net operating income to assets | 0.6140% | 3,990 |
| Return on assets (ROA) | 0.7129% | 3,593 |
| Pretax return on assets | 1.0382% | 3,081 |
| Return on Equity (ROE) | 6.7433% | 3,556 |
| Retained earnings to average equity (ytd only) | 3.2646% | 4,186 |
| Net charge-offs to loans | 0.0403% | 5,284 |
| Credit loss provision to net charge-offs | 285.7143% | 1,066 |
| Earnings coverage of net charge-offs (x) | 36.7500% | 792 |
| Efficiency ratio | 78.3551% | 2,653 |
| Assets per employee ($millions) | 3.5593% | 4,783 |
| Cash dividends to net income (ytd only)* | 51.5873% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9843% | 2,412 |
| Loan loss allowance to noncurrent loans | 671.9715% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 6,621 |
| Noncurrent loans to loans | 0.2953% | 6,324 |
| Net loans and leases to total assets | 64.3615% | 3,389 |
| Net loans and leases to deposits | 73.3298% | 3,895 |
| Net loans and leases to core deposits | 76.0843% | 4,306 |
| Total domestic deposits to total assets | 87.7698% | 2,303 |
| Equity capital to assets | 10.4417% | 3,585 |
| Core capital (leverage) ratio | 10.2037% | 3,030 |
| Tier 1 risk-based capital ratio | 14.3008% | 3,936 |
| Total risk-based capital ratio | 15.8712% | 3,680 |
| Memoranda: | ||
| Average total assets | $212,104,670 | 2,946 |
| Average earning assets | $195,219,330 | 2,935 |
| Average equity | $22,422,330 | 2,826 |
| Average total loans | $138,927,330 | 2,868 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7622% | 4,244 |
| Cost of funding earning assets | 0.6288% | 6,479 |
| Net interest margin | 4.1334% | 2,142 |
| Noninterest income to average assets | 0.6279% | 2,980 |
| Noninterest expense to average assets | 3.3359% | 2,454 |
| Loan and lease loss provision to assets | 0.0515% | 5,356 |
| Net operating income to assets | 0.7202% | 3,433 |
| Return on assets (ROA) | 0.9084% | 2,580 |
| Pretax return on assets | 1.3435% | 1,899 |
| Return on Equity (ROE) | 8.5389% | 2,681 |
| Retained earnings to average equity (ytd only) | 5.0408% | 3,165 |
| Net charge-offs to loans | 0.0058% | 5,045 |
| Credit loss provision to net charge-offs | 1,350.0000% | 298 |
| Earnings coverage of net charge-offs (x) | 293.0000% | 100 |
| Efficiency ratio | 74.8929% | 3,349 |
| Assets per employee ($millions) | 3.2174% | 5,670 |
| Cash dividends to net income (ytd only)* | 40.9664% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0739% | 2,239 |
| Loan loss allowance to noncurrent loans | 645.6221% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 6,649 |
| Noncurrent loans to loans | 0.3212% | 6,349 |
| Net loans and leases to total assets | 62.3068% | 3,787 |
| Net loans and leases to deposits | 71.1594% | 4,175 |
| Net loans and leases to core deposits | 78.5702% | 3,942 |
| Total domestic deposits to total assets | 87.5595% | 2,633 |
| Equity capital to assets | 10.5860% | 3,094 |
| Core capital (leverage) ratio | 10.4758% | 2,640 |
| Tier 1 risk-based capital ratio | 14.4563% | 3,767 |
| Total risk-based capital ratio | 15.9664% | 3,558 |
| Memoranda: | ||
| Average total assets | $209,597,500 | 2,992 |
| Average earning assets | $194,029,500 | 2,956 |
| Average equity | $22,298,000 | 2,832 |
| Average total loans | $137,106,000 | 2,943 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9936% | 4,594 |
| Cost of funding earning assets | 0.7032% | 6,881 |
| Net interest margin | 4.2904% | 1,855 |
| Noninterest income to average assets | 0.7211% | 2,705 |
| Noninterest expense to average assets | 3.5123% | 2,140 |
| Loan and lease loss provision to assets | 0.1053% | 6,093 |
| Net operating income to assets | 0.7443% | 3,022 |
| Return on assets (ROA) | 0.8289% | 2,816 |
| Pretax return on assets | 1.1573% | 2,369 |
| Return on Equity (ROE) | 7.4274% | 2,923 |
| Retained earnings to average equity (ytd only) | 3.3464% | 3,526 |
| Net charge-offs to loans | 0.0819% | 6,007 |
| Credit loss provision to net charge-offs | 187.3874% | 1,741 |
| Earnings coverage of net charge-offs (x) | 20.3874% | 1,007 |
| Efficiency ratio | 75.4129% | 3,132 |
| Assets per employee ($millions) | 3.2320% | 5,589 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9963% | 2,318 |
| Loan loss allowance to noncurrent loans | 854.4615% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 6,838 |
| Noncurrent loans to loans | 0.2336% | 6,592 |
| Net loans and leases to total assets | 65.9065% | 3,486 |
| Net loans and leases to deposits | 74.9457% | 4,034 |
| Net loans and leases to core deposits | 82.8449% | 3,769 |
| Total domestic deposits to total assets | 87.9390% | 2,286 |
| Equity capital to assets | 10.6923% | 2,964 |
| Core capital (leverage) ratio | 10.3854% | 2,689 |
| Tier 1 risk-based capital ratio | 14.4569% | 3,578 |
| Total risk-based capital ratio | 16.0634% | 3,321 |
| Memoranda: | ||
| Average total assets | $197,618,200 | 3,131 |
| Average earning assets | $181,312,200 | 3,108 |
| Average equity | $22,053,600 | 2,870 |
| Average total loans | $135,571,200 | 3,023 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0057% | 4,789 |
| Cost of funding earning assets | 0.7088% | 7,039 |
| Net interest margin | 4.2969% | 1,857 |
| Noninterest income to average assets | 0.6949% | 2,843 |
| Noninterest expense to average assets | 3.5184% | 1,997 |
| Loan and lease loss provision to assets | 0.0532% | 6,547 |
| Net operating income to assets | 0.7060% | 3,387 |
| Return on assets (ROA) | 0.7632% | 3,320 |
| Pretax return on assets | 1.1400% | 2,694 |
| Return on Equity (ROE) | 6.7640% | 3,451 |
| Retained earnings to average equity (ytd only) | 3.2247% | 4,173 |
| Net charge-offs to loans | 0.1089% | 5,445 |
| Credit loss provision to net charge-offs | 70.9091% | 5,393 |
| Earnings coverage of net charge-offs (x) | 14.7549% | 1,484 |
| Efficiency ratio | 76.0514% | 2,942 |
| Assets per employee ($millions) | 3.1662% | 5,761 |
| Cash dividends to net income (ytd only)* | 52.3255% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9159% | 2,434 |
| Loan loss allowance to noncurrent loans | 390.5605% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.3245% | 6,568 |
| Noncurrent loans to loans | 0.4906% | 6,216 |
| Net loans and leases to total assets | 64.8737% | 3,935 |
| Net loans and leases to deposits | 75.2874% | 4,300 |
| Net loans and leases to core deposits | 83.0006% | 4,086 |
| Total domestic deposits to total assets | 86.1681% | 2,994 |
| Equity capital to assets | 10.7395% | 3,241 |
| Core capital (leverage) ratio | 10.4581% | 2,731 |
| Tier 1 risk-based capital ratio | 14.4207% | 3,558 |
| Total risk-based capital ratio | 16.0060% | 3,351 |
| Memoranda: | ||
| Average total assets | $195,310,500 | 3,201 |
| Average earning assets | $178,698,250 | 3,181 |
| Average equity | $22,037,750 | 2,914 |
| Average total loans | $134,688,000 | 3,084 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0537% | 4,686 |
| Cost of funding earning assets | 0.7078% | 7,182 |
| Net interest margin | 4.3458% | 1,610 |
| Noninterest income to average assets | 0.6217% | 3,180 |
| Noninterest expense to average assets | 3.5228% | 1,975 |
| Loan and lease loss provision to assets | 0.0514% | 6,455 |
| Net operating income to assets | 0.6867% | 3,462 |
| Return on assets (ROA) | 0.6867% | 3,608 |
| Pretax return on assets | 1.0065% | 3,090 |
| Return on Equity (ROE) | 5.9809% | 3,811 |
| Retained earnings to average equity (ytd only) | 2.4198% | 4,622 |
| Net charge-offs to loans | 0.1543% | 4,710 |
| Credit loss provision to net charge-offs | 47.5728% | 5,473 |
| Earnings coverage of net charge-offs (x) | 9.7961% | 1,974 |
| Efficiency ratio | 76.9055% | 2,912 |
| Assets per employee ($millions) | 2.9702% | 6,199 |
| Cash dividends to net income (ytd only)* | 59.5420% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9355% | 2,331 |
| Loan loss allowance to noncurrent loans | 254.2110% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.5191% | 6,165 |
| Noncurrent loans to loans | 0.7614% | 5,751 |
| Net loans and leases to total assets | 66.8583% | 3,649 |
| Net loans and leases to deposits | 77.6476% | 4,055 |
| Net loans and leases to core deposits | 84.6713% | 4,046 |
| Total domestic deposits to total assets | 86.1047% | 3,026 |
| Equity capital to assets | 10.8878% | 2,980 |
| Core capital (leverage) ratio | 10.9183% | 2,309 |
| Tier 1 risk-based capital ratio | 14.6501% | 3,355 |
| Total risk-based capital ratio | 16.1523% | 3,179 |
| Memoranda: | ||
| Average total assets | $190,758,670 | 3,290 |
| Average earning assets | $173,775,330 | 3,275 |
| Average equity | $21,903,000 | 2,930 |
| Average total loans | $133,513,330 | 3,140 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1944% | 4,050 |
| Cost of funding earning assets | 0.7313% | 7,266 |
| Net interest margin | 4.4631% | 1,228 |
| Noninterest income to average assets | 0.5937% | 3,318 |
| Noninterest expense to average assets | 3.4013% | 2,234 |
| Loan and lease loss provision to assets | 0.0600% | 6,039 |
| Net operating income to assets | 0.7973% | 2,974 |
| Return on assets (ROA) | 0.7973% | 3,081 |
| Pretax return on assets | 1.2002% | 2,359 |
| Return on Equity (ROE) | 6.7572% | 3,474 |
| Retained earnings to average equity (ytd only) | 3.2151% | 4,221 |
| Net charge-offs to loans | 0.0060% | 5,526 |
| Credit loss provision to net charge-offs | 1,400.0000% | 355 |
| Earnings coverage of net charge-offs (x) | 294.0000% | 109 |
| Efficiency ratio | 72.9655% | 3,764 |
| Assets per employee ($millions) | 2.9774% | 6,263 |
| Cash dividends to net income (ytd only)* | 52.4194% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0315% | 2,100 |
| Loan loss allowance to noncurrent loans | 433.6538% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.3327% | 6,648 |
| Noncurrent loans to loans | 0.4685% | 6,360 |
| Net loans and leases to total assets | 69.5677% | 3,042 |
| Net loans and leases to deposits | 82.9512% | 3,112 |
| Net loans and leases to core deposits | 84.7770% | 4,097 |
| Total domestic deposits to total assets | 83.8658% | 4,209 |
| Equity capital to assets | 11.7243% | 2,214 |
| Core capital (leverage) ratio | 11.3443% | 2,004 |
| Tier 1 risk-based capital ratio | 15.1524% | 3,041 |
| Total risk-based capital ratio | 16.9782% | 2,713 |
| Memoranda: | ||
| Average total assets | $186,636,500 | 3,410 |
| Average earning assets | $170,107,000 | 3,401 |
| Average equity | $22,021,000 | 2,942 |
| Average total loans | $132,432,000 | 3,215 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4813% | 4,243 |
| Cost of funding earning assets | 0.9695% | 7,263 |
| Net interest margin | 4.5118% | 1,155 |
| Noninterest income to average assets | 0.7224% | 2,836 |
| Noninterest expense to average assets | 3.6422% | 2,053 |
| Loan and lease loss provision to assets | 0.1303% | 6,334 |
| Net operating income to assets | 0.7393% | 2,775 |
| Return on assets (ROA) | 0.8182% | 2,548 |
| Pretax return on assets | 1.1564% | 2,076 |
| Return on Equity (ROE) | 6.8272% | 2,855 |
| Retained earnings to average equity (ytd only) | 0.6622% | 4,534 |
| Net charge-offs to loans | 0.0117% | 7,066 |
| Credit loss provision to net charge-offs | 1,586.6667% | 200 |
| Earnings coverage of net charge-offs (x) | 143.2000% | 204 |
| Efficiency ratio | 75.5992% | 3,595 |
| Assets per employee ($millions) | 2.9951% | 6,240 |
| Cash dividends to net income (ytd only)* | 90.3010% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0355% | 1,947 |
| Loan loss allowance to noncurrent loans | 375.3501% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 6,487 |
| Noncurrent loans to loans | 0.5423% | 6,161 |
| Net loans and leases to total assets | 69.4603% | 3,372 |
| Net loans and leases to deposits | 84.3227% | 3,201 |
| Net loans and leases to core deposits | 93.7418% | 4,700 |
| Total domestic deposits to total assets | 82.3744% | 4,785 |
| Equity capital to assets | 11.8742% | 2,095 |
| Core capital (leverage) ratio | 11.2072% | 2,097 |
| Tier 1 risk-based capital ratio | 15.0952% | 2,889 |
| Total risk-based capital ratio | 16.9296% | 2,591 |
| Memoranda: | ||
| Average total assets | $182,718,600 | 3,393 |
| Average earning assets | $165,853,400 | 3,409 |
| Average equity | $21,897,600 | 2,959 |
| Average total loans | $128,322,600 | 3,303 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4904% | 4,463 |
| Cost of funding earning assets | 0.9999% | 7,385 |
| Net interest margin | 4.4905% | 1,215 |
| Noninterest income to average assets | 0.7122% | 2,935 |
| Noninterest expense to average assets | 3.3872% | 2,619 |
| Loan and lease loss provision to assets | 0.0440% | 6,929 |
| Net operating income to assets | 0.8851% | 2,471 |
| Return on assets (ROA) | 0.9833% | 2,173 |
| Pretax return on assets | 1.4969% | 1,424 |
| Return on Equity (ROE) | 8.1854% | 2,564 |
| Retained earnings to average equity (ytd only) | 4.8002% | 2,606 |
| Net charge-offs to loans | 0.0021% | 6,964 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 948.7903% | 24 |
| Efficiency ratio | 70.8723% | 4,447 |
| Assets per employee ($millions) | 2.9873% | 6,192 |
| Cash dividends to net income (ytd only)* | 41.3561% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9044% | 2,016 |
| Loan loss allowance to noncurrent loans | 588.9930% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 6,812 |
| Noncurrent loans to loans | 0.3233% | 6,711 |
| Net loans and leases to total assets | 68.8369% | 3,760 |
| Net loans and leases to deposits | 84.7836% | 3,524 |
| Net loans and leases to core deposits | 93.3634% | 5,088 |
| Total domestic deposits to total assets | 81.1913% | 5,001 |
| Equity capital to assets | 11.9628% | 2,264 |
| Core capital (leverage) ratio | 11.5780% | 2,026 |
| Tier 1 risk-based capital ratio | 15.6356% | 2,759 |
| Total risk-based capital ratio | 17.4166% | 2,506 |
| Memoranda: | ||
| Average total assets | $181,974,250 | 3,434 |
| Average earning assets | $164,818,250 | 3,465 |
| Average equity | $21,859,500 | 2,990 |
| Average total loans | $127,487,000 | 3,347 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4990% | 4,644 |
| Cost of funding earning assets | 1.0484% | 7,468 |
| Net interest margin | 4.4506% | 1,288 |
| Noninterest income to average assets | 0.7026% | 2,978 |
| Noninterest expense to average assets | 3.3107% | 2,914 |
| Loan and lease loss provision to assets | 0.0356% | 6,888 |
| Net operating income to assets | 0.8956% | 2,471 |
| Return on assets (ROA) | 1.0372% | 2,061 |
| Pretax return on assets | 1.5953% | 1,211 |
| Return on Equity (ROE) | 8.6224% | 2,505 |
| Retained earnings to average equity (ytd only) | 5.2954% | 2,349 |
| Net charge-offs to loans | 0.0016% | 6,609 |
| Credit loss provision to net charge-offs | 3,200.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 1,271.0000% | 22 |
| Efficiency ratio | 70.0871% | 4,763 |
| Assets per employee ($millions) | 2.9147% | 6,343 |
| Cash dividends to net income (ytd only)* | 38.5852% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9460% | 1,681 |
| Loan loss allowance to noncurrent loans | 1,374.0331% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 7,196 |
| Noncurrent loans to loans | 0.1416% | 7,164 |
| Net loans and leases to total assets | 67.1758% | 4,322 |
| Net loans and leases to deposits | 81.7226% | 4,268 |
| Net loans and leases to core deposits | 92.1384% | 5,335 |
| Total domestic deposits to total assets | 82.1997% | 4,605 |
| Equity capital to assets | 11.7716% | 2,343 |
| Core capital (leverage) ratio | 11.5589% | 2,055 |
| Tier 1 risk-based capital ratio | 15.8622% | 2,674 |
| Total risk-based capital ratio | 17.5861% | 2,456 |
| Memoranda: | ||
| Average total assets | $179,899,000 | 3,483 |
| Average earning assets | $162,539,330 | 3,516 |
| Average equity | $21,641,330 | 3,017 |
| Average total loans | $125,960,670 | 3,422 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5009% | 4,909 |
| Cost of funding earning assets | 1.1022% | 7,516 |
| Net interest margin | 4.3987% | 1,344 |
| Noninterest income to average assets | 0.6796% | 3,005 |
| Noninterest expense to average assets | 3.1941% | 3,006 |
| Loan and lease loss provision to assets | 0.0294% | 6,559 |
| Net operating income to assets | 0.9763% | 2,411 |
| Return on assets (ROA) | 0.9763% | 2,536 |
| Pretax return on assets | 1.4702% | 1,755 |
| Return on Equity (ROE) | 8.0251% | 3,143 |
| Retained earnings to average equity (ytd only) | 4.6736% | 3,321 |
| Net charge-offs to loans | -0.0032% | 7,137 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0502% | 4,962 |
| Assets per employee ($millions) | 2.8315% | 6,574 |
| Cash dividends to net income (ytd only)* | 41.7633% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9810% | 1,461 |
| Loan loss allowance to noncurrent loans | 343.6718% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 6,153 |
| Noncurrent loans to loans | 0.5764% | 5,961 |
| Net loans and leases to total assets | 68.5415% | 4,008 |
| Net loans and leases to deposits | 82.5303% | 4,203 |
| Net loans and leases to core deposits | 93.7803% | 5,178 |
| Total domestic deposits to total assets | 83.0500% | 4,124 |
| Equity capital to assets | 12.0207% | 2,245 |
| Core capital (leverage) ratio | 11.9587% | 1,918 |
| Tier 1 risk-based capital ratio | 16.3400% | 2,571 |
| Total risk-based capital ratio | 17.9876% | 2,360 |
| Memoranda: | ||
| Average total assets | $176,577,500 | 3,558 |
| Average earning assets | $161,137,000 | 3,549 |
| Average equity | $21,482,500 | 3,044 |
| Average total loans | $125,042,000 | 3,460 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0014% | 5,539 |
| Cost of funding earning assets | 1.6786% | 7,308 |
| Net interest margin | 4.3228% | 1,909 |
| Noninterest income to average assets | 0.6671% | 3,357 |
| Noninterest expense to average assets | 3.3093% | 2,938 |
| Loan and lease loss provision to assets | 0.1085% | 5,986 |
| Net operating income to assets | 0.8403% | 3,265 |
| Return on assets (ROA) | 0.8403% | 3,096 |
| Pretax return on assets | 1.1523% | 2,827 |
| Return on Equity (ROE) | 6.6428% | 3,691 |
| Retained earnings to average equity (ytd only) | 1.1110% | 4,565 |
| Net charge-offs to loans | 0.0141% | 6,699 |
| Credit loss provision to net charge-offs | 1,162.5000% | 389 |
| Earnings coverage of net charge-offs (x) | 135.1250% | 332 |
| Efficiency ratio | 72.4129% | 3,857 |
| Assets per employee ($millions) | 2.8189% | 6,517 |
| Cash dividends to net income (ytd only)* | 83.2755% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9602% | 1,302 |
| Loan loss allowance to noncurrent loans | 599.2683% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 6,632 |
| Noncurrent loans to loans | 0.3271% | 6,390 |
| Net loans and leases to total assets | 70.3143% | 3,948 |
| Net loans and leases to deposits | 85.5011% | 4,183 |
| Net loans and leases to core deposits | 95.1286% | 5,336 |
| Total domestic deposits to total assets | 82.2379% | 4,104 |
| Equity capital to assets | 12.3144% | 2,103 |
| Core capital (leverage) ratio | 11.8116% | 2,075 |
| Tier 1 risk-based capital ratio | 16.3405% | 2,541 |
| Total risk-based capital ratio | 18.0930% | 2,304 |
| Memoranda: | ||
| Average total assets | $171,486,800 | 3,527 |
| Average earning assets | $154,831,600 | 3,571 |
| Average equity | $21,692,800 | 3,014 |
| Average total loans | $113,696,800 | 3,590 |