Home > Bank of Mount Hope, Inc. > Performance and Condition Ratios
Bank of Mount Hope, Inc., Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7560% | 4,721 |
| Cost of funding earning assets | 0.5481% | 3,940 |
| Net interest margin | 3.2078% | 4,279 |
| Noninterest income to average assets | 0.8248% | 1,344 |
| Noninterest expense to average assets | 2.8825% | 2,310 |
| Loan and lease loss provision to assets | 0.0216% | 3,485 |
| Net operating income to assets | 0.9133% | 3,298 |
| Return on assets (ROA) | 0.9133% | 3,376 |
| Pretax return on assets | 0.9975% | 3,605 |
| Return on Equity (ROE) | 6.7713% | 3,781 |
| Retained earnings to average equity (ytd only) | 3.2897% | 3,768 |
| Net charge-offs to loans | 0.0570% | 2,015 |
| Credit loss provision to net charge-offs | 71.4286% | 2,601 |
| Earnings coverage of net charge-offs (x) | 33.7166% | 1,518 |
| Efficiency ratio | 73.8794% | 1,584 |
| Assets per employee ($millions) | 3.8970% | 4,032 |
| Cash dividends to net income (ytd only)* | 51.4189% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 3,473 |
| Loan loss allowance to noncurrent loans | 1,346.9388% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 4,523 |
| Noncurrent loans to loans | 0.0755% | 4,303 |
| Net loans and leases to total assets | 51.4960% | 4,340 |
| Net loans and leases to deposits | 60.6702% | 4,355 |
| Net loans and leases to core deposits | 63.4173% | 4,406 |
| Total domestic deposits to total assets | 84.8785% | 2,465 |
| Equity capital to assets | 13.8120% | 1,224 |
| Core capital (leverage) ratio | 13.8832% | 1,015 |
| Tier 1 risk-based capital ratio | 30.5071% | 471 |
| Total risk-based capital ratio | 31.6897% | 459 |
| Memoranda: | ||
| Average total assets | $123,500,750 | 3,683 |
| Average earning assets | $118,457,000 | 3,617 |
| Average equity | $16,658,000 | 3,503 |
| Average total loans | $65,525,750 | 3,917 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7426% | 4,779 |
| Cost of funding earning assets | 0.5262% | 4,004 |
| Net interest margin | 3.2164% | 4,330 |
| Noninterest income to average assets | 0.8140% | 1,303 |
| Noninterest expense to average assets | 2.7392% | 2,784 |
| Loan and lease loss provision to assets | 0.0179% | 3,429 |
| Net operating income to assets | 0.9602% | 3,061 |
| Return on assets (ROA) | 0.9602% | 3,135 |
| Pretax return on assets | 1.1454% | 3,094 |
| Return on Equity (ROE) | 7.1770% | 3,608 |
| Retained earnings to average equity (ytd only) | 2.8052% | 3,810 |
| Net charge-offs to loans | 0.0578% | 1,814 |
| Credit loss provision to net charge-offs | 57.8947% | 2,418 |
| Earnings coverage of net charge-offs (x) | 37.6842% | 1,285 |
| Efficiency ratio | 70.1915% | 2,197 |
| Assets per employee ($millions) | 3.8651% | 4,042 |
| Cash dividends to net income (ytd only)* | 60.9137% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 3,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 53.1245% | 4,282 |
| Net loans and leases to deposits | 62.9579% | 4,276 |
| Net loans and leases to core deposits | 65.3050% | 4,344 |
| Total domestic deposits to total assets | 84.3810% | 2,730 |
| Equity capital to assets | 13.7020% | 1,241 |
| Core capital (leverage) ratio | 13.5130% | 1,107 |
| Tier 1 risk-based capital ratio | 30.7914% | 461 |
| Total risk-based capital ratio | 31.9978% | 454 |
| Memoranda: | ||
| Average total assets | $123,100,000 | 3,709 |
| Average earning assets | $118,206,670 | 3,644 |
| Average equity | $16,469,330 | 3,517 |
| Average total loans | $65,742,000 | 3,930 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6903% | 4,861 |
| Cost of funding earning assets | 0.4923% | 4,091 |
| Net interest margin | 3.1980% | 4,390 |
| Noninterest income to average assets | 0.8306% | 1,215 |
| Noninterest expense to average assets | 2.7360% | 2,789 |
| Loan and lease loss provision to assets | 0.0228% | 3,140 |
| Net operating income to assets | 0.9576% | 3,015 |
| Return on assets (ROA) | 0.9576% | 3,059 |
| Pretax return on assets | 1.1400% | 3,011 |
| Return on Equity (ROE) | 7.2456% | 3,573 |
| Retained earnings to average equity (ytd only) | 3.4256% | 3,544 |
| Net charge-offs to loans | 0.0428% | 1,662 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 1,012 |
| Efficiency ratio | 70.1754% | 2,311 |
| Assets per employee ($millions) | 4.1513% | 3,697 |
| Cash dividends to net income (ytd only)* | 52.7211% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,514 |
| Loan loss allowance to noncurrent loans | 1,363.2653% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 4,640 |
| Noncurrent loans to loans | 0.0757% | 4,424 |
| Net loans and leases to total assets | 51.4421% | 4,381 |
| Net loans and leases to deposits | 60.6864% | 4,375 |
| Net loans and leases to core deposits | 62.6936% | 4,444 |
| Total domestic deposits to total assets | 84.7671% | 2,763 |
| Equity capital to assets | 13.2431% | 1,322 |
| Core capital (leverage) ratio | 13.7453% | 1,013 |
| Tier 1 risk-based capital ratio | 30.9446% | 443 |
| Total risk-based capital ratio | 32.1783% | 436 |
| Memoranda: | ||
| Average total assets | $122,808,500 | 3,754 |
| Average earning assets | $117,823,500 | 3,688 |
| Average equity | $16,230,500 | 3,557 |
| Average total loans | $65,430,000 | 3,978 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6228% | 4,774 |
| Cost of funding earning assets | 0.4019% | 3,978 |
| Net interest margin | 3.2209% | 4,443 |
| Noninterest income to average assets | 0.8397% | 1,336 |
| Noninterest expense to average assets | 2.7020% | 3,017 |
| Loan and lease loss provision to assets | 0.0233% | 3,705 |
| Net operating income to assets | 0.9929% | 3,041 |
| Return on assets (ROA) | 1.0016% | 2,989 |
| Pretax return on assets | 1.2093% | 2,845 |
| Return on Equity (ROE) | 7.9391% | 3,470 |
| Retained earnings to average equity (ytd only) | 2.9740% | 3,912 |
| Net charge-offs to loans | 0.0480% | 2,473 |
| Credit loss provision to net charge-offs | 90.6250% | 2,712 |
| Earnings coverage of net charge-offs (x) | 47.4375% | 1,171 |
| Efficiency ratio | 68.8551% | 2,413 |
| Assets per employee ($millions) | 4.0359% | 3,851 |
| Cash dividends to net income (ytd only)* | 62.5402% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 3,617 |
| Loan loss allowance to noncurrent loans | 1,043.7500% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 4,390 |
| Noncurrent loans to loans | 0.0968% | 4,307 |
| Net loans and leases to total assets | 54.0631% | 4,275 |
| Net loans and leases to deposits | 63.9457% | 4,259 |
| Net loans and leases to core deposits | 66.1559% | 4,344 |
| Total domestic deposits to total assets | 84.5454% | 2,816 |
| Equity capital to assets | 13.1883% | 1,258 |
| Core capital (leverage) ratio | 13.4803% | 1,083 |
| Tier 1 risk-based capital ratio | 30.1899% | 465 |
| Total risk-based capital ratio | 31.4037% | 459 |
| Memoranda: | ||
| Average total assets | $124,204,600 | 3,726 |
| Average earning assets | $118,940,800 | 3,663 |
| Average equity | $15,669,200 | 3,551 |
| Average total loans | $66,668,800 | 3,946 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5773% | 4,839 |
| Cost of funding earning assets | 0.3877% | 3,953 |
| Net interest margin | 3.1896% | 4,534 |
| Noninterest income to average assets | 0.8310% | 1,375 |
| Noninterest expense to average assets | 2.6829% | 3,024 |
| Loan and lease loss provision to assets | 0.0459% | 3,070 |
| Net operating income to assets | 0.9740% | 3,197 |
| Return on assets (ROA) | 0.9857% | 3,156 |
| Pretax return on assets | 1.1702% | 3,123 |
| Return on Equity (ROE) | 7.9000% | 3,587 |
| Retained earnings to average equity (ytd only) | 3.9243% | 3,813 |
| Net charge-offs to loans | 0.0519% | 2,090 |
| Credit loss provision to net charge-offs | 165.3846% | 1,605 |
| Earnings coverage of net charge-offs (x) | 43.3409% | 1,284 |
| Efficiency ratio | 69.0555% | 2,350 |
| Assets per employee ($millions) | 4.0929% | 3,741 |
| Cash dividends to net income (ytd only)* | 50.3243% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 3,514 |
| Loan loss allowance to noncurrent loans | 681.1881% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 4,559 |
| Noncurrent loans to loans | 0.1530% | 4,194 |
| Net loans and leases to total assets | 53.1860% | 4,407 |
| Net loans and leases to deposits | 62.4854% | 4,424 |
| Net loans and leases to core deposits | 64.0117% | 4,511 |
| Total domestic deposits to total assets | 85.1174% | 2,565 |
| Equity capital to assets | 12.6258% | 1,508 |
| Core capital (leverage) ratio | 13.2329% | 1,195 |
| Tier 1 risk-based capital ratio | 29.9930% | 480 |
| Total risk-based capital ratio | 31.2354% | 471 |
| Memoranda: | ||
| Average total assets | $124,986,500 | 3,753 |
| Average earning assets | $119,676,500 | 3,686 |
| Average equity | $15,594,500 | 3,579 |
| Average total loans | $66,804,500 | 3,975 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5184% | 4,897 |
| Cost of funding earning assets | 0.3739% | 3,915 |
| Net interest margin | 3.1445% | 4,631 |
| Noninterest income to average assets | 0.8177% | 1,421 |
| Noninterest expense to average assets | 2.6853% | 3,064 |
| Loan and lease loss provision to assets | 0.0509% | 2,898 |
| Net operating income to assets | 0.9258% | 3,340 |
| Return on assets (ROA) | 0.9434% | 3,265 |
| Pretax return on assets | 1.1120% | 3,261 |
| Return on Equity (ROE) | 7.5904% | 3,683 |
| Retained earnings to average equity (ytd only) | 3.6224% | 3,783 |
| Net charge-offs to loans | 0.0686% | 1,655 |
| Credit loss provision to net charge-offs | 139.1304% | 1,650 |
| Earnings coverage of net charge-offs (x) | 31.2174% | 1,463 |
| Efficiency ratio | 70.1579% | 2,284 |
| Assets per employee ($millions) | 4.2006% | 3,581 |
| Cash dividends to net income (ytd only)* | 52.2766% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 3,677 |
| Loan loss allowance to noncurrent loans | 1,888.8889% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 4,885 |
| Noncurrent loans to loans | 0.0543% | 4,670 |
| Net loans and leases to total assets | 52.0588% | 4,476 |
| Net loans and leases to deposits | 61.5725% | 4,450 |
| Net loans and leases to core deposits | 62.8435% | 4,565 |
| Total domestic deposits to total assets | 84.5489% | 2,851 |
| Equity capital to assets | 12.3031% | 1,661 |
| Core capital (leverage) ratio | 12.9783% | 1,224 |
| Tier 1 risk-based capital ratio | 29.0814% | 514 |
| Total risk-based capital ratio | 30.2847% | 507 |
| Memoranda: | ||
| Average total assets | $125,719,330 | 3,763 |
| Average earning assets | $120,338,330 | 3,703 |
| Average equity | $15,625,000 | 3,599 |
| Average total loans | $67,074,670 | 4,000 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4900% | 4,895 |
| Cost of funding earning assets | 0.3556% | 3,943 |
| Net interest margin | 3.1343% | 4,631 |
| Noninterest income to average assets | 0.8027% | 1,447 |
| Noninterest expense to average assets | 2.7554% | 2,858 |
| Loan and lease loss provision to assets | 0.0446% | 2,877 |
| Net operating income to assets | 0.8599% | 3,457 |
| Return on assets (ROA) | 0.8951% | 3,324 |
| Pretax return on assets | 1.0480% | 3,362 |
| Return on Equity (ROE) | 7.1659% | 3,716 |
| Retained earnings to average equity (ytd only) | 3.2132% | 3,922 |
| Net charge-offs to loans | 0.1304% | 1,022 |
| Credit loss provision to net charge-offs | 63.6364% | 1,876 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,684 |
| Efficiency ratio | 72.3849% | 2,138 |
| Assets per employee ($millions) | 4.2050% | 3,643 |
| Cash dividends to net income (ytd only)* | 55.1601% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 4,077 |
| Loan loss allowance to noncurrent loans | 744.9438% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 4,736 |
| Noncurrent loans to loans | 0.1313% | 4,376 |
| Net loans and leases to total assets | 53.2188% | 4,350 |
| Net loans and leases to deposits | 63.3633% | 4,249 |
| Net loans and leases to core deposits | 64.5402% | 4,389 |
| Total domestic deposits to total assets | 83.9898% | 3,333 |
| Equity capital to assets | 12.2345% | 1,645 |
| Core capital (leverage) ratio | 13.0110% | 1,177 |
| Tier 1 risk-based capital ratio | 28.5792% | 533 |
| Total risk-based capital ratio | 29.7434% | 534 |
| Memoranda: | ||
| Average total assets | $125,570,500 | 3,805 |
| Average earning assets | $120,344,000 | 3,741 |
| Average equity | $15,685,500 | 3,626 |
| Average total loans | $67,470,500 | 4,025 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3959% | 4,947 |
| Cost of funding earning assets | 0.3009% | 4,133 |
| Net interest margin | 3.0950% | 4,702 |
| Noninterest income to average assets | 0.8295% | 1,466 |
| Noninterest expense to average assets | 2.5992% | 3,445 |
| Loan and lease loss provision to assets | 0.0313% | 3,651 |
| Net operating income to assets | 0.9342% | 2,524 |
| Return on assets (ROA) | 0.9618% | 2,431 |
| Pretax return on assets | 1.2014% | 2,764 |
| Return on Equity (ROE) | 7.6325% | 2,985 |
| Retained earnings to average equity (ytd only) | 3.6954% | 3,016 |
| Net charge-offs to loans | 0.0518% | 2,761 |
| Credit loss provision to net charge-offs | 118.1818% | 2,214 |
| Earnings coverage of net charge-offs (x) | 45.3030% | 1,169 |
| Efficiency ratio | 68.4466% | 2,809 |
| Assets per employee ($millions) | 4.3100% | 3,469 |
| Cash dividends to net income (ytd only)* | 51.5833% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 53.1811% | 4,428 |
| Net loans and leases to deposits | 63.6744% | 4,332 |
| Net loans and leases to core deposits | 64.8422% | 4,480 |
| Total domestic deposits to total assets | 83.5203% | 3,381 |
| Equity capital to assets | 12.7506% | 1,382 |
| Core capital (leverage) ratio | 12.9014% | 1,178 |
| Tier 1 risk-based capital ratio | 29.1052% | 493 |
| Total risk-based capital ratio | 30.3145% | 486 |
| Memoranda: | ||
| Average total assets | $124,769,600 | 3,823 |
| Average earning assets | $119,643,800 | 3,750 |
| Average equity | $15,722,200 | 3,636 |
| Average total loans | $63,655,200 | 4,106 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3660% | 5,009 |
| Cost of funding earning assets | 0.2909% | 4,220 |
| Net interest margin | 3.0751% | 4,769 |
| Noninterest income to average assets | 0.8200% | 1,513 |
| Noninterest expense to average assets | 2.6385% | 3,291 |
| Loan and lease loss provision to assets | 0.0192% | 3,756 |
| Net operating income to assets | 0.8471% | 3,283 |
| Return on assets (ROA) | 0.8820% | 3,163 |
| Pretax return on assets | 1.1578% | 3,081 |
| Return on Equity (ROE) | 7.0203% | 3,654 |
| Retained earnings to average equity (ytd only) | 3.5654% | 3,791 |
| Net charge-offs to loans | 0.1317% | 1,470 |
| Credit loss provision to net charge-offs | 29.0323% | 3,090 |
| Earnings coverage of net charge-offs (x) | 17.0654% | 2,129 |
| Efficiency ratio | 69.9943% | 2,540 |
| Assets per employee ($millions) | 4.3018% | 3,467 |
| Cash dividends to net income (ytd only)* | 49.2123% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 4,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 50.5575% | 4,664 |
| Net loans and leases to deposits | 60.6108% | 4,609 |
| Net loans and leases to core deposits | 61.5681% | 4,738 |
| Total domestic deposits to total assets | 83.4134% | 3,321 |
| Equity capital to assets | 12.8175% | 1,486 |
| Core capital (leverage) ratio | 12.8161% | 1,279 |
| Tier 1 risk-based capital ratio | 29.6025% | 489 |
| Total risk-based capital ratio | 30.7523% | 491 |
| Memoranda: | ||
| Average total assets | $124,714,500 | 3,868 |
| Average earning assets | $119,626,250 | 3,790 |
| Average equity | $15,668,500 | 3,675 |
| Average total loans | $62,783,500 | 4,162 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3336% | 5,055 |
| Cost of funding earning assets | 0.2860% | 4,227 |
| Net interest margin | 3.0476% | 4,799 |
| Noninterest income to average assets | 0.8099% | 1,539 |
| Noninterest expense to average assets | 2.6575% | 3,239 |
| Loan and lease loss provision to assets | 0.0160% | 3,636 |
| Net operating income to assets | 0.8213% | 3,290 |
| Return on assets (ROA) | 0.8388% | 3,257 |
| Pretax return on assets | 1.0810% | 3,259 |
| Return on Equity (ROE) | 6.7218% | 3,710 |
| Retained earnings to average equity (ytd only) | 3.2517% | 3,781 |
| Net charge-offs to loans | 0.0576% | 2,104 |
| Credit loss provision to net charge-offs | 55.5556% | 2,497 |
| Earnings coverage of net charge-offs (x) | 37.2222% | 1,306 |
| Efficiency ratio | 71.2076% | 2,481 |
| Assets per employee ($millions) | 4.3251% | 3,392 |
| Cash dividends to net income (ytd only)* | 51.6252% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 3,943 |
| Loan loss allowance to noncurrent loans | 10,950.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 5,289 |
| Noncurrent loans to loans | 0.0094% | 5,147 |
| Net loans and leases to total assets | 50.1678% | 4,699 |
| Net loans and leases to deposits | 60.1566% | 4,611 |
| Net loans and leases to core deposits | 61.0999% | 4,764 |
| Total domestic deposits to total assets | 83.3954% | 3,431 |
| Equity capital to assets | 12.6645% | 1,538 |
| Core capital (leverage) ratio | 12.4798% | 1,379 |
| Tier 1 risk-based capital ratio | 28.4748% | 525 |
| Total risk-based capital ratio | 29.6572% | 517 |
| Memoranda: | ||
| Average total assets | $124,702,330 | 3,884 |
| Average earning assets | $119,569,000 | 3,815 |
| Average equity | $15,561,330 | 3,694 |
| Average total loans | $62,480,670 | 4,191 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2994% | 5,102 |
| Cost of funding earning assets | 0.2752% | 4,299 |
| Net interest margin | 3.0241% | 4,842 |
| Noninterest income to average assets | 0.8010% | 1,548 |
| Noninterest expense to average assets | 2.6637% | 3,268 |
| Loan and lease loss provision to assets | 0.0064% | 3,480 |
| Net operating income to assets | 0.7999% | 3,221 |
| Return on assets (ROA) | 0.8300% | 3,136 |
| Pretax return on assets | 1.0680% | 3,097 |
| Return on Equity (ROE) | 6.7015% | 3,549 |
| Retained earnings to average equity (ytd only) | 3.1949% | 3,829 |
| Net charge-offs to loans | 0.0775% | 1,563 |
| Credit loss provision to net charge-offs | 16.6667% | 2,186 |
| Earnings coverage of net charge-offs (x) | 26.8333% | 1,291 |
| Efficiency ratio | 72.0000% | 2,574 |
| Assets per employee ($millions) | 4.3626% | 3,394 |
| Cash dividends to net income (ytd only)* | 52.3256% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 3,931 |
| Loan loss allowance to noncurrent loans | 2,729.1667% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 5,268 |
| Noncurrent loans to loans | 0.0388% | 5,040 |
| Net loans and leases to total assets | 48.3425% | 4,795 |
| Net loans and leases to deposits | 57.6040% | 4,730 |
| Net loans and leases to core deposits | 58.4920% | 4,853 |
| Total domestic deposits to total assets | 83.9222% | 3,506 |
| Equity capital to assets | 12.2293% | 1,693 |
| Core capital (leverage) ratio | 12.6947% | 1,252 |
| Tier 1 risk-based capital ratio | 28.2897% | 539 |
| Total risk-based capital ratio | 29.4705% | 532 |
| Memoranda: | ||
| Average total assets | $124,339,000 | 3,926 |
| Average earning assets | $119,174,000 | 3,848 |
| Average equity | $15,399,500 | 3,736 |
| Average total loans | $61,930,000 | 4,245 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2037% | 5,298 |
| Cost of funding earning assets | 0.3108% | 3,953 |
| Net interest margin | 2.8929% | 5,151 |
| Noninterest income to average assets | 0.7807% | 1,826 |
| Noninterest expense to average assets | 2.7005% | 3,338 |
| Loan and lease loss provision to assets | 0.0142% | 4,097 |
| Net operating income to assets | 0.6677% | 3,917 |
| Return on assets (ROA) | 0.7217% | 3,796 |
| Pretax return on assets | 0.9080% | 3,825 |
| Return on Equity (ROE) | 5.8665% | 4,044 |
| Retained earnings to average equity (ytd only) | 2.3517% | 4,185 |
| Net charge-offs to loans | 0.0542% | 2,955 |
| Credit loss provision to net charge-offs | 54.5455% | 3,323 |
| Earnings coverage of net charge-offs (x) | 32.9091% | 1,351 |
| Efficiency ratio | 75.9788% | 1,986 |
| Assets per employee ($millions) | 4.2125% | 3,601 |
| Cash dividends to net income (ytd only)* | 59.9129% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 3,890 |
| Loan loss allowance to noncurrent loans | 991.0448% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 5,124 |
| Noncurrent loans to loans | 0.1080% | 4,802 |
| Net loans and leases to total assets | 50.2448% | 4,751 |
| Net loans and leases to deposits | 59.8228% | 4,680 |
| Net loans and leases to core deposits | 60.7759% | 4,825 |
| Total domestic deposits to total assets | 83.9893% | 3,420 |
| Equity capital to assets | 12.5465% | 1,493 |
| Core capital (leverage) ratio | 12.6994% | 1,254 |
| Tier 1 risk-based capital ratio | 28.3418% | 547 |
| Total risk-based capital ratio | 29.5505% | 544 |
| Memoranda: | ||
| Average total assets | $127,196,800 | 3,878 |
| Average earning assets | $121,954,200 | 3,793 |
| Average equity | $15,648,200 | 3,739 |
| Average total loans | $60,839,000 | 4,271 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1778% | 5,397 |
| Cost of funding earning assets | 0.3194% | 3,876 |
| Net interest margin | 2.8584% | 5,252 |
| Noninterest income to average assets | 0.7691% | 1,889 |
| Noninterest expense to average assets | 2.6893% | 3,380 |
| Loan and lease loss provision to assets | 0.0156% | 3,932 |
| Net operating income to assets | 0.6300% | 4,165 |
| Return on assets (ROA) | 0.6923% | 4,026 |
| Pretax return on assets | 0.8843% | 4,035 |
| Return on Equity (ROE) | 5.6541% | 4,244 |
| Retained earnings to average equity (ytd only) | 2.7041% | 4,275 |
| Net charge-offs to loans | 0.0110% | 3,547 |
| Credit loss provision to net charge-offs | 300.0000% | 1,026 |
| Earnings coverage of net charge-offs (x) | 157.9175% | 443 |
| Efficiency ratio | 76.6341% | 1,886 |
| Assets per employee ($millions) | 4.1322% | 3,732 |
| Cash dividends to net income (ytd only)* | 52.1742% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 3,677 |
| Loan loss allowance to noncurrent loans | 17,225.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 5,533 |
| Noncurrent loans to loans | 0.0066% | 5,390 |
| Net loans and leases to total assets | 48.6565% | 4,910 |
| Net loans and leases to deposits | 59.5198% | 4,792 |
| Net loans and leases to core deposits | 60.6345% | 4,901 |
| Total domestic deposits to total assets | 81.7484% | 4,025 |
| Equity capital to assets | 12.9284% | 1,526 |
| Core capital (leverage) ratio | 12.4707% | 1,406 |
| Tier 1 risk-based capital ratio | 28.7442% | 535 |
| Total risk-based capital ratio | 29.9981% | 530 |
| Memoranda: | ||
| Average total assets | $128,455,500 | 3,879 |
| Average earning assets | $123,144,750 | 3,796 |
| Average equity | $15,728,500 | 3,757 |
| Average total loans | $60,537,750 | 4,309 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1488% | 5,498 |
| Cost of funding earning assets | 0.3324% | 3,769 |
| Net interest margin | 2.8164% | 5,400 |
| Noninterest income to average assets | 0.7434% | 1,960 |
| Noninterest expense to average assets | 2.6564% | 3,528 |
| Loan and lease loss provision to assets | 0.0139% | 3,831 |
| Net operating income to assets | 0.6032% | 4,251 |
| Return on assets (ROA) | 0.6956% | 3,966 |
| Pretax return on assets | 0.8911% | 3,987 |
| Return on Equity (ROE) | 5.7841% | 4,152 |
| Retained earnings to average equity (ytd only) | 2.8153% | 4,108 |
| Net charge-offs to loans | 0.0033% | 3,590 |
| Credit loss provision to net charge-offs | 900.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 511.0000% | 133 |
| Efficiency ratio | 77.1569% | 1,906 |
| Assets per employee ($millions) | 4.1173% | 3,708 |
| Cash dividends to net income (ytd only)* | 51.3274% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 3,720 |
| Loan loss allowance to noncurrent loans | 3,816.6667% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 5,557 |
| Noncurrent loans to loans | 0.0299% | 5,346 |
| Net loans and leases to total assets | 46.6910% | 5,085 |
| Net loans and leases to deposits | 57.5226% | 4,929 |
| Net loans and leases to core deposits | 58.5524% | 5,046 |
| Total domestic deposits to total assets | 81.1697% | 4,223 |
| Equity capital to assets | 12.4284% | 1,819 |
| Core capital (leverage) ratio | 12.0353% | 1,602 |
| Tier 1 risk-based capital ratio | 28.2944% | 576 |
| Total risk-based capital ratio | 29.5475% | 566 |
| Memoranda: | ||
| Average total assets | $129,951,670 | 3,888 |
| Average earning assets | $124,554,000 | 3,788 |
| Average equity | $15,629,000 | 3,784 |
| Average total loans | $60,381,330 | 4,332 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1387% | 5,568 |
| Cost of funding earning assets | 0.3307% | 3,835 |
| Net interest margin | 2.8080% | 5,459 |
| Noninterest income to average assets | 0.7261% | 1,918 |
| Noninterest expense to average assets | 2.6573% | 3,552 |
| Loan and lease loss provision to assets | 0.0153% | 3,486 |
| Net operating income to assets | 0.5961% | 4,192 |
| Return on assets (ROA) | 0.6376% | 4,151 |
| Pretax return on assets | 0.7993% | 4,197 |
| Return on Equity (ROE) | 5.3894% | 4,298 |
| Retained earnings to average equity (ytd only) | 2.3981% | 4,295 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6985% | 1,939 |
| Assets per employee ($millions) | 4.3731% | 3,287 |
| Cash dividends to net income (ytd only)* | 55.5024% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 3,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 45.5146% | 5,153 |
| Net loans and leases to deposits | 55.3812% | 5,021 |
| Net loans and leases to core deposits | 56.3315% | 5,119 |
| Total domestic deposits to total assets | 82.1843% | 4,159 |
| Equity capital to assets | 11.9298% | 2,071 |
| Core capital (leverage) ratio | 11.6872% | 1,834 |
| Tier 1 risk-based capital ratio | 27.6539% | 634 |
| Total risk-based capital ratio | 28.8925% | 622 |
| Memoranda: | ||
| Average total assets | $131,110,000 | 3,893 |
| Average earning assets | $125,784,500 | 3,792 |
| Average equity | $15,512,000 | 3,810 |
| Average total loans | $60,431,500 | 4,354 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1500% | 5,581 |
| Cost of funding earning assets | 0.3588% | 3,601 |
| Net interest margin | 2.7912% | 5,531 |
| Noninterest income to average assets | 0.7576% | 1,946 |
| Noninterest expense to average assets | 2.6116% | 3,882 |
| Loan and lease loss provision to assets | 0.0162% | 4,088 |
| Net operating income to assets | 0.6443% | 4,065 |
| Return on assets (ROA) | 0.6714% | 4,032 |
| Pretax return on assets | 0.8407% | 4,060 |
| Return on Equity (ROE) | 5.6481% | 4,208 |
| Retained earnings to average equity (ytd only) | 2.1051% | 4,523 |
| Net charge-offs to loans | 0.0423% | 3,374 |
| Credit loss provision to net charge-offs | 80.7692% | 2,934 |
| Earnings coverage of net charge-offs (x) | 41.1154% | 1,150 |
| Efficiency ratio | 76.0368% | 2,261 |
| Assets per employee ($millions) | 4.3676% | 3,271 |
| Cash dividends to net income (ytd only)* | 62.7294% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 3,902 |
| Loan loss allowance to noncurrent loans | 68,000.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 5,743 |
| Noncurrent loans to loans | 0.0017% | 5,568 |
| Net loans and leases to total assets | 45.6288% | 5,183 |
| Net loans and leases to deposits | 55.2561% | 5,093 |
| Net loans and leases to core deposits | 56.1999% | 5,190 |
| Total domestic deposits to total assets | 82.5769% | 3,987 |
| Equity capital to assets | 11.7327% | 2,166 |
| Core capital (leverage) ratio | 11.2585% | 2,151 |
| Tier 1 risk-based capital ratio | 27.2652% | 644 |
| Total risk-based capital ratio | 28.4848% | 630 |
| Memoranda: | ||
| Average total assets | $129,884,400 | 3,888 |
| Average earning assets | $124,571,800 | 3,795 |
| Average equity | $15,438,800 | 3,768 |
| Average total loans | $61,477,400 | 4,337 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1494% | 5,643 |
| Cost of funding earning assets | 0.3669% | 3,589 |
| Net interest margin | 2.7825% | 5,614 |
| Noninterest income to average assets | 0.7798% | 1,885 |
| Noninterest expense to average assets | 2.5874% | 3,923 |
| Loan and lease loss provision to assets | 0.0206% | 3,864 |
| Net operating income to assets | 0.6498% | 4,134 |
| Return on assets (ROA) | 0.6656% | 4,165 |
| Pretax return on assets | 0.8611% | 4,133 |
| Return on Equity (ROE) | 5.5816% | 4,366 |
| Retained earnings to average equity (ytd only) | 2.5708% | 4,591 |
| Net charge-offs to loans | 0.0475% | 2,942 |
| Credit loss provision to net charge-offs | 90.9091% | 2,460 |
| Earnings coverage of net charge-offs (x) | 38.0488% | 1,289 |
| Efficiency ratio | 75.0298% | 2,398 |
| Assets per employee ($millions) | 4.2875% | 3,338 |
| Cash dividends to net income (ytd only)* | 53.9408% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 4,139 |
| Loan loss allowance to noncurrent loans | 17,075.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 5,809 |
| Noncurrent loans to loans | 0.0065% | 5,627 |
| Net loans and leases to total assets | 44.1356% | 5,352 |
| Net loans and leases to deposits | 54.1507% | 5,245 |
| Net loans and leases to core deposits | 55.2848% | 5,343 |
| Total domestic deposits to total assets | 81.5051% | 4,323 |
| Equity capital to assets | 11.3316% | 2,665 |
| Core capital (leverage) ratio | 10.7583% | 2,763 |
| Tier 1 risk-based capital ratio | 26.9233% | 693 |
| Total risk-based capital ratio | 28.1274% | 677 |
| Memoranda: | ||
| Average total assets | $129,598,750 | 3,932 |
| Average earning assets | $124,296,250 | 3,846 |
| Average equity | $15,455,250 | 3,802 |
| Average total loans | $61,730,250 | 4,373 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2486% | 5,540 |
| Cost of funding earning assets | 0.3849% | 3,426 |
| Net interest margin | 2.8637% | 5,506 |
| Noninterest income to average assets | 0.7728% | 1,908 |
| Noninterest expense to average assets | 2.6176% | 3,858 |
| Loan and lease loss provision to assets | 0.0189% | 3,754 |
| Net operating income to assets | 0.6705% | 4,029 |
| Return on assets (ROA) | 0.6752% | 4,114 |
| Pretax return on assets | 0.8830% | 4,016 |
| Return on Equity (ROE) | 5.5625% | 4,343 |
| Retained earnings to average equity (ytd only) | 2.5543% | 4,431 |
| Net charge-offs to loans | 0.0582% | 2,562 |
| Credit loss provision to net charge-offs | 66.6667% | 2,509 |
| Earnings coverage of net charge-offs (x) | 31.6111% | 1,324 |
| Efficiency ratio | 74.5072% | 2,614 |
| Assets per employee ($millions) | 3.9993% | 3,890 |
| Cash dividends to net income (ytd only)* | 54.0793% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 4,323 |
| Loan loss allowance to noncurrent loans | 16,975.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 5,907 |
| Noncurrent loans to loans | 0.0065% | 5,744 |
| Net loans and leases to total assets | 47.7184% | 5,131 |
| Net loans and leases to deposits | 59.2955% | 4,910 |
| Net loans and leases to core deposits | 60.8063% | 5,024 |
| Total domestic deposits to total assets | 80.4756% | 4,756 |
| Equity capital to assets | 11.9927% | 2,032 |
| Core capital (leverage) ratio | 11.8182% | 1,762 |
| Tier 1 risk-based capital ratio | 27.7572% | 657 |
| Total risk-based capital ratio | 29.0058% | 649 |
| Memoranda: | ||
| Average total assets | $127,065,000 | 4,019 |
| Average earning assets | $121,590,670 | 3,917 |
| Average equity | $15,424,670 | 3,829 |
| Average total loans | $61,894,670 | 4,412 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3199% | 5,403 |
| Cost of funding earning assets | 0.3898% | 3,417 |
| Net interest margin | 2.9301% | 5,383 |
| Noninterest income to average assets | 0.7298% | 2,026 |
| Noninterest expense to average assets | 2.6191% | 3,863 |
| Loan and lease loss provision to assets | 0.0126% | 3,560 |
| Net operating income to assets | 0.6823% | 3,885 |
| Return on assets (ROA) | 0.6919% | 3,966 |
| Pretax return on assets | 0.9131% | 3,842 |
| Return on Equity (ROE) | 5.6651% | 4,196 |
| Retained earnings to average equity (ytd only) | 2.6644% | 4,351 |
| Net charge-offs to loans | 0.0452% | 2,350 |
| Credit loss provision to net charge-offs | 57.1429% | 2,034 |
| Earnings coverage of net charge-offs (x) | 41.2857% | 955 |
| Efficiency ratio | 74.1503% | 2,794 |
| Assets per employee ($millions) | 3.9705% | 4,026 |
| Cash dividends to net income (ytd only)* | 52.9680% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 4,449 |
| Loan loss allowance to noncurrent loans | 603.5398% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.0889% | 5,581 |
| Noncurrent loans to loans | 0.1843% | 5,116 |
| Net loans and leases to total assets | 47.7258% | 5,062 |
| Net loans and leases to deposits | 59.8130% | 4,758 |
| Net loans and leases to core deposits | 61.0511% | 4,912 |
| Total domestic deposits to total assets | 79.7917% | 5,095 |
| Equity capital to assets | 12.2410% | 1,862 |
| Core capital (leverage) ratio | 11.9078% | 1,697 |
| Tier 1 risk-based capital ratio | 28.0732% | 647 |
| Total risk-based capital ratio | 29.3232% | 634 |
| Memoranda: | ||
| Average total assets | $126,608,500 | 4,054 |
| Average earning assets | $121,089,500 | 3,954 |
| Average equity | $15,463,000 | 3,840 |
| Average total loans | $61,968,000 | 4,432 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3925% | 5,545 |
| Cost of funding earning assets | 0.4386% | 3,294 |
| Net interest margin | 2.9539% | 5,544 |
| Noninterest income to average assets | 0.8142% | 1,813 |
| Noninterest expense to average assets | 2.6215% | 4,138 |
| Loan and lease loss provision to assets | 0.0032% | 4,540 |
| Net operating income to assets | 0.8115% | 3,315 |
| Return on assets (ROA) | 0.8134% | 3,394 |
| Pretax return on assets | 1.0090% | 3,454 |
| Return on Equity (ROE) | 6.8514% | 3,720 |
| Retained earnings to average equity (ytd only) | 3.1265% | 4,012 |
| Net charge-offs to loans | 0.0195% | 4,460 |
| Credit loss provision to net charge-offs | 33.3333% | 3,784 |
| Earnings coverage of net charge-offs (x) | 105.4167% | 497 |
| Efficiency ratio | 72.1917% | 3,173 |
| Assets per employee ($millions) | 3.9425% | 4,075 |
| Cash dividends to net income (ytd only)* | 54.3670% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 4,565 |
| Loan loss allowance to noncurrent loans | 430.8176% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 5,528 |
| Noncurrent loans to loans | 0.2539% | 4,926 |
| Net loans and leases to total assets | 49.0885% | 5,056 |
| Net loans and leases to deposits | 61.1588% | 4,794 |
| Net loans and leases to core deposits | 62.9408% | 4,927 |
| Total domestic deposits to total assets | 80.2640% | 4,947 |
| Equity capital to assets | 12.1853% | 1,875 |
| Core capital (leverage) ratio | 11.6536% | 1,861 |
| Tier 1 risk-based capital ratio | 27.8723% | 622 |
| Total risk-based capital ratio | 29.1239% | 613 |
| Memoranda: | ||
| Average total assets | $125,269,800 | 4,079 |
| Average earning assets | $119,470,800 | 3,983 |
| Average equity | $14,872,800 | 3,865 |
| Average total loans | $61,676,600 | 4,441 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4160% | 5,563 |
| Cost of funding earning assets | 0.4465% | 3,292 |
| Net interest margin | 2.9696% | 5,560 |
| Noninterest income to average assets | 0.8082% | 1,862 |
| Noninterest expense to average assets | 2.6336% | 4,085 |
| Loan and lease loss provision to assets | 0.0021% | 4,362 |
| Net operating income to assets | 0.7397% | 3,726 |
| Return on assets (ROA) | 0.7421% | 3,821 |
| Pretax return on assets | 1.0055% | 3,570 |
| Return on Equity (ROE) | 6.2923% | 4,082 |
| Retained earnings to average equity (ytd only) | 3.0648% | 4,437 |
| Net charge-offs to loans | 0.0195% | 4,142 |
| Credit loss provision to net charge-offs | 22.2222% | 3,561 |
| Earnings coverage of net charge-offs (x) | 104.6642% | 569 |
| Efficiency ratio | 72.3916% | 3,110 |
| Assets per employee ($millions) | 3.9438% | 4,000 |
| Cash dividends to net income (ytd only)* | 51.2931% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 4,727 |
| Loan loss allowance to noncurrent loans | 952.7778% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 5,919 |
| Noncurrent loans to loans | 0.1159% | 5,579 |
| Net loans and leases to total assets | 48.6783% | 5,135 |
| Net loans and leases to deposits | 60.6730% | 4,879 |
| Net loans and leases to core deposits | 62.7504% | 4,983 |
| Total domestic deposits to total assets | 80.2306% | 5,039 |
| Equity capital to assets | 11.9952% | 2,064 |
| Core capital (leverage) ratio | 11.6318% | 1,956 |
| Tier 1 risk-based capital ratio | 27.6440% | 667 |
| Total risk-based capital ratio | 28.8959% | 650 |
| Memoranda: | ||
| Average total assets | $125,047,250 | 4,119 |
| Average earning assets | $119,160,000 | 4,008 |
| Average equity | $14,747,750 | 3,902 |
| Average total loans | $61,442,000 | 4,484 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4141% | 5,595 |
| Cost of funding earning assets | 0.4550% | 3,270 |
| Net interest margin | 2.9592% | 5,613 |
| Noninterest income to average assets | 0.7990% | 1,841 |
| Noninterest expense to average assets | 2.6616% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7075% | 3,799 |
| Return on assets (ROA) | 0.7075% | 3,895 |
| Pretax return on assets | 0.9546% | 3,661 |
| Return on Equity (ROE) | 6.0338% | 4,129 |
| Retained earnings to average equity (ytd only) | 2.8596% | 4,387 |
| Net charge-offs to loans | -0.0033% | 5,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6025% | 3,043 |
| Assets per employee ($millions) | 3.8846% | 4,099 |
| Cash dividends to net income (ytd only)* | 52.6077% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 4,726 |
| Loan loss allowance to noncurrent loans | 488.7324% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 5,811 |
| Noncurrent loans to loans | 0.2327% | 5,300 |
| Net loans and leases to total assets | 48.5387% | 5,125 |
| Net loans and leases to deposits | 61.6193% | 4,728 |
| Net loans and leases to core deposits | 63.6332% | 4,846 |
| Total domestic deposits to total assets | 78.7719% | 5,505 |
| Equity capital to assets | 11.9937% | 1,986 |
| Core capital (leverage) ratio | 11.6295% | 1,899 |
| Tier 1 risk-based capital ratio | 28.5586% | 610 |
| Total risk-based capital ratio | 29.8107% | 599 |
| Memoranda: | ||
| Average total assets | $124,663,000 | 4,143 |
| Average earning assets | $118,682,670 | 4,044 |
| Average equity | $14,617,670 | 3,927 |
| Average total loans | $61,216,670 | 4,507 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4378% | 5,565 |
| Cost of funding earning assets | 0.4575% | 3,345 |
| Net interest margin | 2.9803% | 5,569 |
| Noninterest income to average assets | 0.7946% | 1,773 |
| Noninterest expense to average assets | 2.6370% | 4,161 |
| Loan and lease loss provision to assets | -0.0128% | 6,406 |
| Net operating income to assets | 0.7369% | 3,505 |
| Return on assets (ROA) | 0.7369% | 3,587 |
| Pretax return on assets | 1.0093% | 3,285 |
| Return on Equity (ROE) | 6.3571% | 3,826 |
| Retained earnings to average equity (ytd only) | 3.1509% | 4,235 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5750% | 3,381 |
| Assets per employee ($millions) | 4.0434% | 3,839 |
| Cash dividends to net income (ytd only)* | 50.4348% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 5,008 |
| Loan loss allowance to noncurrent loans | 593.9655% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 5,971 |
| Noncurrent loans to loans | 0.1895% | 5,527 |
| Net loans and leases to total assets | 48.2903% | 5,086 |
| Net loans and leases to deposits | 61.0880% | 4,655 |
| Net loans and leases to core deposits | 63.2355% | 4,763 |
| Total domestic deposits to total assets | 79.0505% | 5,675 |
| Equity capital to assets | 11.6727% | 2,120 |
| Core capital (leverage) ratio | 11.5636% | 1,922 |
| Tier 1 risk-based capital ratio | 28.4453% | 614 |
| Total risk-based capital ratio | 29.6966% | 597 |
| Memoranda: | ||
| Average total assets | $124,841,000 | 4,170 |
| Average earning assets | $118,914,500 | 4,069 |
| Average equity | $14,472,000 | 3,953 |
| Average total loans | $61,309,500 | 4,540 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5032% | 5,635 |
| Cost of funding earning assets | 0.4406% | 4,210 |
| Net interest margin | 3.0626% | 5,430 |
| Noninterest income to average assets | 0.8873% | 1,726 |
| Noninterest expense to average assets | 2.5691% | 4,556 |
| Loan and lease loss provision to assets | 0.0033% | 5,045 |
| Net operating income to assets | 0.8981% | 2,797 |
| Return on assets (ROA) | 0.9561% | 2,608 |
| Pretax return on assets | 1.3014% | 2,148 |
| Return on Equity (ROE) | 8.0567% | 3,012 |
| Retained earnings to average equity (ytd only) | 4.3047% | 3,111 |
| Net charge-offs to loans | 0.0049% | 5,373 |
| Credit loss provision to net charge-offs | 133.3333% | 1,758 |
| Earnings coverage of net charge-offs (x) | 498.0000% | 76 |
| Efficiency ratio | 67.7113% | 4,256 |
| Assets per employee ($millions) | 4.0109% | 3,841 |
| Cash dividends to net income (ytd only)* | 46.5695% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 5,005 |
| Loan loss allowance to noncurrent loans | 597.4138% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 6,060 |
| Noncurrent loans to loans | 0.1889% | 5,631 |
| Net loans and leases to total assets | 48.8250% | 5,210 |
| Net loans and leases to deposits | 61.3863% | 4,788 |
| Net loans and leases to core deposits | 63.1710% | 4,954 |
| Total domestic deposits to total assets | 79.5372% | 5,538 |
| Equity capital to assets | 11.5114% | 2,157 |
| Core capital (leverage) ratio | 11.4682% | 1,988 |
| Tier 1 risk-based capital ratio | 28.2198% | 595 |
| Total risk-based capital ratio | 29.4730% | 583 |
| Memoranda: | ||
| Average total assets | $121,949,600 | 4,241 |
| Average earning assets | $115,751,600 | 4,137 |
| Average equity | $14,472,400 | 3,973 |
| Average total loans | $60,970,800 | 4,582 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5091% | 5,668 |
| Cost of funding earning assets | 0.4357% | 4,445 |
| Net interest margin | 3.0734% | 5,390 |
| Noninterest income to average assets | 0.8888% | 1,795 |
| Noninterest expense to average assets | 2.5852% | 4,443 |
| Loan and lease loss provision to assets | 0.0165% | 4,683 |
| Net operating income to assets | 0.8538% | 3,081 |
| Return on assets (ROA) | 0.9295% | 2,801 |
| Pretax return on assets | 1.3075% | 2,305 |
| Return on Equity (ROE) | 7.7725% | 3,251 |
| Retained earnings to average equity (ytd only) | 5.4114% | 2,790 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9861% | 4,105 |
| Assets per employee ($millions) | 3.8668% | 4,098 |
| Cash dividends to net income (ytd only)* | 30.3785% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 5,033 |
| Loan loss allowance to noncurrent loans | 631.2500% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 6,170 |
| Noncurrent loans to loans | 0.1850% | 5,775 |
| Net loans and leases to total assets | 48.3655% | 5,308 |
| Net loans and leases to deposits | 61.2467% | 4,841 |
| Net loans and leases to core deposits | 62.8826% | 5,026 |
| Total domestic deposits to total assets | 78.9683% | 5,748 |
| Equity capital to assets | 11.6198% | 2,200 |
| Core capital (leverage) ratio | 11.8332% | 1,788 |
| Tier 1 risk-based capital ratio | 28.4828% | 596 |
| Total risk-based capital ratio | 29.7528% | 575 |
| Memoranda: | ||
| Average total assets | $121,352,500 | 4,290 |
| Average earning assets | $115,050,250 | 4,201 |
| Average equity | $14,512,250 | 4,010 |
| Average total loans | $60,863,250 | 4,627 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6429% | 5,316 |
| Cost of funding earning assets | 0.4398% | 4,547 |
| Net interest margin | 3.2031% | 4,934 |
| Noninterest income to average assets | 0.8660% | 1,940 |
| Noninterest expense to average assets | 2.6029% | 4,372 |
| Loan and lease loss provision to assets | 0.0100% | 4,669 |
| Net operating income to assets | 0.9110% | 2,740 |
| Return on assets (ROA) | 0.9887% | 2,523 |
| Pretax return on assets | 1.3952% | 1,952 |
| Return on Equity (ROE) | 8.1885% | 2,998 |
| Retained earnings to average equity (ytd only) | 5.8803% | 2,503 |
| Net charge-offs to loans | -0.0066% | 5,688 |
| Credit loss provision to net charge-offs | -300.0000% | 5,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7660% | 4,401 |
| Assets per employee ($millions) | 3.8358% | 4,142 |
| Cash dividends to net income (ytd only)* | 28.1879% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 5,195 |
| Loan loss allowance to noncurrent loans | 366.4921% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 6,013 |
| Noncurrent loans to loans | 0.3163% | 5,505 |
| Net loans and leases to total assets | 50.1959% | 5,093 |
| Net loans and leases to deposits | 62.8083% | 4,650 |
| Net loans and leases to core deposits | 64.5331% | 4,837 |
| Total domestic deposits to total assets | 79.9193% | 5,620 |
| Equity capital to assets | 12.0637% | 1,874 |
| Core capital (leverage) ratio | 11.6943% | 1,806 |
| Tier 1 risk-based capital ratio | 28.4405% | 606 |
| Total risk-based capital ratio | 29.7109% | 596 |
| Memoranda: | ||
| Average total assets | $120,557,670 | 4,333 |
| Average earning assets | $114,139,000 | 4,253 |
| Average equity | $14,557,000 | 4,033 |
| Average total loans | $60,966,670 | 4,645 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6604% | 5,284 |
| Cost of funding earning assets | 0.4602% | 4,485 |
| Net interest margin | 3.2003% | 4,934 |
| Noninterest income to average assets | 0.8436% | 1,946 |
| Noninterest expense to average assets | 2.6989% | 4,064 |
| Loan and lease loss provision to assets | 0.0198% | 4,221 |
| Net operating income to assets | 0.8100% | 3,102 |
| Return on assets (ROA) | 0.9623% | 2,520 |
| Pretax return on assets | 1.3676% | 1,983 |
| Return on Equity (ROE) | 7.9656% | 2,990 |
| Retained earnings to average equity (ytd only) | 5.8105% | 2,773 |
| Net charge-offs to loans | -0.0131% | 5,540 |
| Credit loss provision to net charge-offs | -300.0000% | 5,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7615% | 4,014 |
| Assets per employee ($millions) | 3.6144% | 4,749 |
| Cash dividends to net income (ytd only)* | 27.0548% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 5,383 |
| Loan loss allowance to noncurrent loans | 318.1818% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 6,033 |
| Noncurrent loans to loans | 0.3631% | 5,492 |
| Net loans and leases to total assets | 48.7359% | 5,149 |
| Net loans and leases to deposits | 62.3339% | 4,500 |
| Net loans and leases to core deposits | 64.3699% | 4,704 |
| Total domestic deposits to total assets | 78.1852% | 6,086 |
| Equity capital to assets | 11.9230% | 2,093 |
| Core capital (leverage) ratio | 11.4978% | 1,886 |
| Tier 1 risk-based capital ratio | 27.2218% | 685 |
| Total risk-based capital ratio | 28.4914% | 678 |
| Memoranda: | ||
| Average total assets | $121,381,500 | 4,365 |
| Average earning assets | $114,740,500 | 4,270 |
| Average equity | $14,663,000 | 4,063 |
| Average total loans | $61,256,000 | 4,659 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7616% | 5,923 |
| Cost of funding earning assets | 0.7054% | 3,455 |
| Net interest margin | 3.0562% | 5,914 |
| Noninterest income to average assets | 0.9093% | 1,834 |
| Noninterest expense to average assets | 2.4091% | 5,384 |
| Loan and lease loss provision to assets | 0.0182% | 5,675 |
| Net operating income to assets | 0.9638% | 2,484 |
| Return on assets (ROA) | 1.0004% | 2,555 |
| Pretax return on assets | 1.4364% | 1,914 |
| Return on Equity (ROE) | 8.7447% | 2,769 |
| Retained earnings to average equity (ytd only) | 3.3260% | 3,881 |
| Net charge-offs to loans | 0.0115% | 5,763 |
| Credit loss provision to net charge-offs | 328.5714% | 738 |
| Earnings coverage of net charge-offs (x) | 252.7143% | 159 |
| Efficiency ratio | 63.2072% | 5,038 |
| Assets per employee ($millions) | 3.4250% | 5,162 |
| Cash dividends to net income (ytd only)* | 61.9651% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 5,479 |
| Loan loss allowance to noncurrent loans | 287.1369% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 5,394 |
| Noncurrent loans to loans | 0.3892% | 5,516 |
| Net loans and leases to total assets | 51.0778% | 5,025 |
| Net loans and leases to deposits | 65.9227% | 4,301 |
| Net loans and leases to core deposits | 68.0345% | 4,528 |
| Total domestic deposits to total assets | 77.4814% | 6,168 |
| Equity capital to assets | 12.2412% | 1,895 |
| Core capital (leverage) ratio | 10.9347% | 2,310 |
| Tier 1 risk-based capital ratio | 26.9819% | 692 |
| Total risk-based capital ratio | 28.2519% | 683 |
| Memoranda: | ||
| Average total assets | $126,147,000 | 4,228 |
| Average earning assets | $119,790,800 | 4,113 |
| Average equity | $14,431,600 | 4,078 |
| Average total loans | $61,056,600 | 4,671 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7426% | 6,142 |
| Cost of funding earning assets | 0.7657% | 3,228 |
| Net interest margin | 2.9770% | 6,214 |
| Noninterest income to average assets | 0.8978% | 1,833 |
| Noninterest expense to average assets | 2.3781% | 5,464 |
| Loan and lease loss provision to assets | 0.0292% | 5,414 |
| Net operating income to assets | 0.9062% | 2,956 |
| Return on assets (ROA) | 0.9062% | 3,188 |
| Pretax return on assets | 1.3196% | 2,526 |
| Return on Equity (ROE) | 8.0530% | 3,263 |
| Retained earnings to average equity (ytd only) | 3.4142% | 4,463 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8095% | 4,837 |
| Assets per employee ($millions) | 3.6466% | 4,664 |
| Cash dividends to net income (ytd only)* | 57.6039% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 5,666 |
| Loan loss allowance to noncurrent loans | 355.5556% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 6,322 |
| Noncurrent loans to loans | 0.3133% | 5,856 |
| Net loans and leases to total assets | 48.9673% | 5,435 |
| Net loans and leases to deposits | 63.5478% | 4,772 |
| Net loans and leases to core deposits | 66.0565% | 4,948 |
| Total domestic deposits to total assets | 77.0559% | 6,220 |
| Equity capital to assets | 11.5810% | 2,665 |
| Core capital (leverage) ratio | 10.6300% | 2,771 |
| Tier 1 risk-based capital ratio | 24.8456% | 922 |
| Total risk-based capital ratio | 26.1118% | 915 |
| Memoranda: | ||
| Average total assets | $127,715,250 | 4,237 |
| Average earning assets | $121,373,500 | 4,120 |
| Average equity | $14,371,000 | 4,128 |
| Average total loans | $60,840,500 | 4,732 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7651% | 6,218 |
| Cost of funding earning assets | 0.6404% | 4,525 |
| Net interest margin | 3.1247% | 5,928 |
| Noninterest income to average assets | 0.8846% | 1,843 |
| Noninterest expense to average assets | 2.5050% | 5,118 |
| Loan and lease loss provision to assets | 0.0282% | 5,320 |
| Net operating income to assets | 0.9081% | 2,872 |
| Return on assets (ROA) | 0.9081% | 3,140 |
| Pretax return on assets | 1.3230% | 2,466 |
| Return on Equity (ROE) | 8.1493% | 3,196 |
| Retained earnings to average equity (ytd only) | 2.4026% | 4,992 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9614% | 4,727 |
| Assets per employee ($millions) | 3.6559% | 4,624 |
| Cash dividends to net income (ytd only)* | 70.5172% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 5,650 |
| Loan loss allowance to noncurrent loans | 328.9100% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 6,383 |
| Noncurrent loans to loans | 0.3432% | 5,862 |
| Net loans and leases to total assets | 47.5030% | 5,659 |
| Net loans and leases to deposits | 61.9154% | 5,009 |
| Net loans and leases to core deposits | 64.3622% | 5,170 |
| Total domestic deposits to total assets | 76.7225% | 6,374 |
| Equity capital to assets | 11.2539% | 2,840 |
| Core capital (leverage) ratio | 10.4414% | 2,868 |
| Tier 1 risk-based capital ratio | 24.6232% | 941 |
| Total risk-based capital ratio | 25.8910% | 924 |
| Memoranda: | ||
| Average total assets | $127,743,000 | 4,258 |
| Average earning assets | $121,483,000 | 4,138 |
| Average equity | $14,234,330 | 4,157 |
| Average total loans | $60,053,330 | 4,788 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7923% | 6,261 |
| Cost of funding earning assets | 0.6661% | 4,567 |
| Net interest margin | 3.1261% | 5,967 |
| Noninterest income to average assets | 0.8650% | 1,893 |
| Noninterest expense to average assets | 2.5291% | 5,061 |
| Loan and lease loss provision to assets | 0.0157% | 5,126 |
| Net operating income to assets | 0.8900% | 2,965 |
| Return on assets (ROA) | 0.8900% | 3,188 |
| Pretax return on assets | 1.2912% | 2,572 |
| Return on Equity (ROE) | 8.0274% | 3,272 |
| Retained earnings to average equity (ytd only) | 5.7379% | 3,120 |
| Net charge-offs to loans | -0.0067% | 5,849 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9314% | 4,564 |
| Assets per employee ($millions) | 3.6762% | 4,710 |
| Cash dividends to net income (ytd only)* | 28.5211% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 5,765 |
| Loan loss allowance to noncurrent loans | 568.3333% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 6,649 |
| Noncurrent loans to loans | 0.2002% | 6,283 |
| Net loans and leases to total assets | 46.0483% | 5,775 |
| Net loans and leases to deposits | 59.4619% | 5,219 |
| Net loans and leases to core deposits | 62.1710% | 5,304 |
| Total domestic deposits to total assets | 77.4418% | 6,346 |
| Equity capital to assets | 11.0619% | 2,831 |
| Core capital (leverage) ratio | 10.5011% | 2,749 |
| Tier 1 risk-based capital ratio | 24.5267% | 946 |
| Total risk-based capital ratio | 25.7647% | 938 |
| Memoranda: | ||
| Average total assets | $127,636,500 | 4,290 |
| Average earning assets | $121,300,000 | 4,171 |
| Average equity | $14,151,500 | 4,173 |
| Average total loans | $59,341,500 | 4,844 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0349% | 6,392 |
| Cost of funding earning assets | 0.8227% | 4,689 |
| Net interest margin | 3.2123% | 6,054 |
| Noninterest income to average assets | 0.9291% | 1,574 |
| Noninterest expense to average assets | 2.4227% | 5,714 |
| Loan and lease loss provision to assets | 0.0275% | 6,230 |
| Net operating income to assets | 1.0475% | 2,011 |
| Return on assets (ROA) | 1.0464% | 2,163 |
| Pretax return on assets | 1.5243% | 1,404 |
| Return on Equity (ROE) | 9.6548% | 2,183 |
| Retained earnings to average equity (ytd only) | 6.6107% | 1,689 |
| Net charge-offs to loans | 0.0200% | 6,162 |
| Credit loss provision to net charge-offs | 283.3333% | 836 |
| Earnings coverage of net charge-offs (x) | 160.0833% | 213 |
| Efficiency ratio | 60.9315% | 5,614 |
| Assets per employee ($millions) | 3.7237% | 4,499 |
| Cash dividends to net income (ytd only)* | 31.5301% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 5,626 |
| Loan loss allowance to noncurrent loans | 450.6667% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 6,661 |
| Noncurrent loans to loans | 0.2553% | 6,220 |
| Net loans and leases to total assets | 45.8714% | 6,024 |
| Net loans and leases to deposits | 59.4201% | 5,555 |
| Net loans and leases to core deposits | 62.4843% | 5,602 |
| Total domestic deposits to total assets | 77.1986% | 6,314 |
| Equity capital to assets | 11.1132% | 2,876 |
| Core capital (leverage) ratio | 10.3103% | 2,958 |
| Tier 1 risk-based capital ratio | 24.7577% | 892 |
| Total risk-based capital ratio | 26.0152% | 884 |
| Memoranda: | ||
| Average total assets | $123,663,000 | 4,298 |
| Average earning assets | $117,300,200 | 4,204 |
| Average equity | $13,402,600 | 4,261 |
| Average total loans | $59,886,600 | 4,871 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0756% | 6,459 |
| Cost of funding earning assets | 0.8474% | 4,792 |
| Net interest margin | 3.2283% | 6,087 |
| Noninterest income to average assets | 0.9447% | 1,504 |
| Noninterest expense to average assets | 2.5575% | 5,247 |
| Loan and lease loss provision to assets | 0.0304% | 6,058 |
| Net operating income to assets | 0.9538% | 2,514 |
| Return on assets (ROA) | 0.9523% | 2,686 |
| Pretax return on assets | 1.4165% | 1,893 |
| Return on Equity (ROE) | 8.8445% | 2,680 |
| Retained earnings to average equity (ytd only) | 6.2154% | 2,423 |
| Net charge-offs to loans | 0.0177% | 5,906 |
| Credit loss provision to net charge-offs | 350.0000% | 806 |
| Earnings coverage of net charge-offs (x) | 166.9438% | 230 |
| Efficiency ratio | 63.8332% | 5,103 |
| Assets per employee ($millions) | 3.6661% | 4,603 |
| Cash dividends to net income (ytd only)* | 29.7265% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 5,865 |
| Loan loss allowance to noncurrent loans | 557.0248% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 6,821 |
| Noncurrent loans to loans | 0.1986% | 6,473 |
| Net loans and leases to total assets | 46.9598% | 6,057 |
| Net loans and leases to deposits | 60.9554% | 5,524 |
| Net loans and leases to core deposits | 63.8883% | 5,628 |
| Total domestic deposits to total assets | 77.0396% | 6,374 |
| Equity capital to assets | 10.8361% | 3,312 |
| Core capital (leverage) ratio | 10.4829% | 2,886 |
| Tier 1 risk-based capital ratio | 23.7757% | 1,038 |
| Total risk-based capital ratio | 25.0046% | 1,027 |
| Memoranda: | ||
| Average total assets | $122,927,250 | 4,343 |
| Average earning assets | $116,592,000 | 4,235 |
| Average equity | $13,235,750 | 4,300 |
| Average total loans | $60,170,250 | 4,894 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1183% | 6,450 |
| Cost of funding earning assets | 0.8776% | 4,841 |
| Net interest margin | 3.2406% | 6,026 |
| Noninterest income to average assets | 0.9279% | 1,543 |
| Noninterest expense to average assets | 2.5790% | 5,264 |
| Loan and lease loss provision to assets | 0.0363% | 5,864 |
| Net operating income to assets | 0.9273% | 2,525 |
| Return on assets (ROA) | 0.9296% | 2,624 |
| Pretax return on assets | 1.3886% | 1,827 |
| Return on Equity (ROE) | 8.6529% | 2,656 |
| Retained earnings to average equity (ytd only) | 5.8864% | 2,497 |
| Net charge-offs to loans | 0.0267% | 5,449 |
| Credit loss provision to net charge-offs | 275.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 107.6250% | 337 |
| Efficiency ratio | 64.4655% | 5,151 |
| Assets per employee ($millions) | 3.4093% | 5,176 |
| Cash dividends to net income (ytd only)* | 31.9716% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 5,970 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 49.0667% | 5,943 |
| Net loans and leases to deposits | 59.1951% | 5,805 |
| Net loans and leases to core deposits | 62.5341% | 5,858 |
| Total domestic deposits to total assets | 82.8897% | 4,808 |
| Equity capital to assets | 10.8887% | 3,080 |
| Core capital (leverage) ratio | 10.4552% | 2,759 |
| Tier 1 risk-based capital ratio | 23.1130% | 1,101 |
| Total risk-based capital ratio | 24.3187% | 1,091 |
| Memoranda: | ||
| Average total assets | $121,132,330 | 4,419 |
| Average earning assets | $114,854,000 | 4,307 |
| Average equity | $13,013,000 | 4,342 |
| Average total loans | $59,917,330 | 4,961 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1686% | 6,356 |
| Cost of funding earning assets | 0.9412% | 4,637 |
| Net interest margin | 3.2274% | 5,989 |
| Noninterest income to average assets | 0.8676% | 1,786 |
| Noninterest expense to average assets | 2.6493% | 5,043 |
| Loan and lease loss provision to assets | 0.0465% | 5,420 |
| Net operating income to assets | 0.8277% | 2,893 |
| Return on assets (ROA) | 0.8277% | 2,954 |
| Pretax return on assets | 1.2266% | 2,286 |
| Return on Equity (ROE) | 7.7585% | 3,024 |
| Retained earnings to average equity (ytd only) | 5.0166% | 3,184 |
| Net charge-offs to loans | 0.0471% | 4,469 |
| Credit loss provision to net charge-offs | 200.0000% | 1,479 |
| Earnings coverage of net charge-offs (x) | 54.7143% | 539 |
| Efficiency ratio | 67.5424% | 4,748 |
| Assets per employee ($millions) | 3.4661% | 5,075 |
| Cash dividends to net income (ytd only)* | 35.3414% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 6,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 6,670 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 49.0500% | 5,952 |
| Net loans and leases to deposits | 58.6869% | 5,860 |
| Net loans and leases to core deposits | 61.6811% | 5,954 |
| Total domestic deposits to total assets | 83.5791% | 4,668 |
| Equity capital to assets | 10.6475% | 3,043 |
| Core capital (leverage) ratio | 10.3122% | 2,793 |
| Tier 1 risk-based capital ratio | 22.8646% | 1,101 |
| Total risk-based capital ratio | 24.0656% | 1,091 |
| Memoranda: | ||
| Average total assets | $120,332,000 | 4,469 |
| Average earning assets | $113,898,500 | 4,358 |
| Average equity | $12,837,500 | 4,378 |
| Average total loans | $59,431,500 | 5,028 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5478% | 6,256 |
| Cost of funding earning assets | 1.1262% | 4,991 |
| Net interest margin | 3.4216% | 5,541 |
| Noninterest income to average assets | 0.9118% | 1,808 |
| Noninterest expense to average assets | 2.5662% | 5,558 |
| Loan and lease loss provision to assets | 0.0733% | 6,416 |
| Net operating income to assets | 1.0027% | 2,034 |
| Return on assets (ROA) | 1.0027% | 2,134 |
| Pretax return on assets | 1.5186% | 1,328 |
| Return on Equity (ROE) | 9.5820% | 2,083 |
| Retained earnings to average equity (ytd only) | 6.8659% | 1,381 |
| Net charge-offs to loans | 0.1796% | 5,244 |
| Credit loss provision to net charge-offs | 79.2793% | 5,583 |
| Earnings coverage of net charge-offs (x) | 17.2072% | 1,166 |
| Efficiency ratio | 61.7158% | 5,776 |
| Assets per employee ($millions) | 3.4100% | 5,150 |
| Cash dividends to net income (ytd only)* | 28.3458% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 5,902 |
| Loan loss allowance to noncurrent loans | 314.4231% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 6,342 |
| Noncurrent loans to loans | 0.3544% | 6,351 |
| Net loans and leases to total assets | 48.6330% | 6,319 |
| Net loans and leases to deposits | 58.7599% | 6,184 |
| Net loans and leases to core deposits | 61.3381% | 6,291 |
| Total domestic deposits to total assets | 82.7657% | 4,897 |
| Equity capital to assets | 10.6897% | 2,970 |
| Core capital (leverage) ratio | 10.2284% | 2,832 |
| Tier 1 risk-based capital ratio | 22.5134% | 1,104 |
| Total risk-based capital ratio | 23.6987% | 1,095 |
| Memoranda: | ||
| Average total assets | $119,982,000 | 4,484 |
| Average earning assets | $113,835,600 | 4,379 |
| Average equity | $12,554,800 | 4,469 |
| Average total loans | $61,811,800 | 4,994 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6328% | 6,249 |
| Cost of funding earning assets | 1.1597% | 5,088 |
| Net interest margin | 3.4731% | 5,405 |
| Noninterest income to average assets | 0.9178% | 1,733 |
| Noninterest expense to average assets | 2.5969% | 5,339 |
| Loan and lease loss provision to assets | 0.0788% | 6,258 |
| Net operating income to assets | 1.0388% | 2,104 |
| Return on assets (ROA) | 1.0388% | 2,213 |
| Pretax return on assets | 1.5393% | 1,507 |
| Return on Equity (ROE) | 9.9806% | 2,132 |
| Retained earnings to average equity (ytd only) | 7.2188% | 1,742 |
| Net charge-offs to loans | 0.2301% | 4,555 |
| Credit loss provision to net charge-offs | 65.7407% | 5,543 |
| Earnings coverage of net charge-offs (x) | 13.4997% | 1,577 |
| Efficiency ratio | 61.6114% | 5,682 |
| Assets per employee ($millions) | 3.3092% | 5,434 |
| Cash dividends to net income (ytd only)* | 27.6705% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 6,165 |
| Loan loss allowance to noncurrent loans | 292.2374% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 6,479 |
| Noncurrent loans to loans | 0.3591% | 6,476 |
| Net loans and leases to total assets | 49.2903% | 6,396 |
| Net loans and leases to deposits | 59.4843% | 6,356 |
| Net loans and leases to core deposits | 62.1868% | 6,450 |
| Total domestic deposits to total assets | 82.8626% | 4,645 |
| Equity capital to assets | 10.5007% | 3,516 |
| Core capital (leverage) ratio | 10.0187% | 3,235 |
| Tier 1 risk-based capital ratio | 22.0646% | 1,198 |
| Total risk-based capital ratio | 23.2185% | 1,184 |
| Memoranda: | ||
| Average total assets | $120,140,250 | 4,537 |
| Average earning assets | $114,053,250 | 4,428 |
| Average equity | $12,504,000 | 4,547 |
| Average total loans | $62,590,500 | 5,048 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7781% | 5,871 |
| Cost of funding earning assets | 1.1963% | 5,151 |
| Net interest margin | 3.5818% | 4,893 |
| Noninterest income to average assets | 0.8947% | 1,709 |
| Noninterest expense to average assets | 2.5751% | 5,433 |
| Loan and lease loss provision to assets | 0.0687% | 6,266 |
| Net operating income to assets | 1.0823% | 1,913 |
| Return on assets (ROA) | 1.0823% | 1,985 |
| Pretax return on assets | 1.6520% | 1,161 |
| Return on Equity (ROE) | 10.4309% | 1,952 |
| Retained earnings to average equity (ytd only) | 7.5729% | 1,607 |
| Net charge-offs to loans | 0.2313% | 4,217 |
| Credit loss provision to net charge-offs | 56.1644% | 5,295 |
| Earnings coverage of net charge-offs (x) | 14.0685% | 1,549 |
| Efficiency ratio | 59.9454% | 6,056 |
| Assets per employee ($millions) | 3.4798% | 4,969 |
| Cash dividends to net income (ytd only)* | 27.3994% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 6,277 |
| Loan loss allowance to noncurrent loans | 246.1832% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 6,861 |
| Noncurrent loans to loans | 0.4178% | 6,408 |
| Net loans and leases to total assets | 50.9635% | 6,315 |
| Net loans and leases to deposits | 62.1614% | 6,219 |
| Net loans and leases to core deposits | 65.8707% | 6,254 |
| Total domestic deposits to total assets | 81.9858% | 4,992 |
| Equity capital to assets | 10.4793% | 3,437 |
| Core capital (leverage) ratio | 9.9815% | 3,181 |
| Tier 1 risk-based capital ratio | 21.3223% | 1,296 |
| Total risk-based capital ratio | 22.4657% | 1,280 |
| Memoranda: | ||
| Average total assets | $119,373,670 | 4,580 |
| Average earning assets | $113,351,000 | 4,466 |
| Average equity | $12,386,330 | 4,577 |
| Average total loans | $63,123,670 | 5,048 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9241% | 5,336 |
| Cost of funding earning assets | 1.2853% | 4,903 |
| Net interest margin | 3.6388% | 4,545 |
| Noninterest income to average assets | 0.8531% | 1,802 |
| Noninterest expense to average assets | 2.6032% | 5,349 |
| Loan and lease loss provision to assets | 0.0745% | 5,895 |
| Net operating income to assets | 1.0731% | 1,924 |
| Return on assets (ROA) | 1.0731% | 1,995 |
| Pretax return on assets | 1.6350% | 1,188 |
| Return on Equity (ROE) | 10.3951% | 1,986 |
| Retained earnings to average equity (ytd only) | 7.8374% | 1,775 |
| Net charge-offs to loans | -0.0253% | 7,136 |
| Credit loss provision to net charge-offs | -550.0000% | 6,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3611% | 6,105 |
| Assets per employee ($millions) | 3.3639% | 5,394 |
| Cash dividends to net income (ytd only)* | 24.6057% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 5,901 |
| Loan loss allowance to noncurrent loans | 10,042.8571% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 7,484 |
| Noncurrent loans to loans | 0.0112% | 7,389 |
| Net loans and leases to total assets | 52.5651% | 6,209 |
| Net loans and leases to deposits | 62.5561% | 6,222 |
| Net loans and leases to core deposits | 67.3831% | 6,168 |
| Total domestic deposits to total assets | 84.0287% | 4,137 |
| Equity capital to assets | 10.4879% | 3,255 |
| Core capital (leverage) ratio | 9.9799% | 3,188 |
| Tier 1 risk-based capital ratio | 21.2102% | 1,307 |
| Total risk-based capital ratio | 22.4505% | 1,290 |
| Memoranda: | ||
| Average total assets | $118,164,000 | 4,673 |
| Average earning assets | $112,345,500 | 4,558 |
| Average equity | $12,198,000 | 4,665 |
| Average total loans | $63,328,000 | 5,120 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3726% | 4,821 |
| Cost of funding earning assets | 1.7069% | 4,469 |
| Net interest margin | 3.6657% | 4,279 |
| Noninterest income to average assets | 0.9310% | 1,830 |
| Noninterest expense to average assets | 2.5100% | 6,089 |
| Loan and lease loss provision to assets | 0.0815% | 6,794 |
| Net operating income to assets | 1.2547% | 1,124 |
| Return on assets (ROA) | 1.3062% | 1,063 |
| Pretax return on assets | 1.9152% | 495 |
| Return on Equity (ROE) | 13.8894% | 801 |
| Retained earnings to average equity (ytd only) | 11.0319% | 280 |
| Net charge-offs to loans | 0.0249% | 6,893 |
| Credit loss provision to net charge-offs | 612.5000% | 479 |
| Earnings coverage of net charge-offs (x) | 144.3125% | 201 |
| Efficiency ratio | 56.6466% | 6,941 |
| Assets per employee ($millions) | 3.4880% | 5,027 |
| Cash dividends to net income (ytd only)* | 20.5732% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 6,098 |
| Loan loss allowance to noncurrent loans | 7,522.2222% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 7,517 |
| Noncurrent loans to loans | 0.0140% | 7,405 |
| Net loans and leases to total assets | 53.4505% | 6,254 |
| Net loans and leases to deposits | 64.1280% | 6,249 |
| Net loans and leases to core deposits | 85.6490% | 5,552 |
| Total domestic deposits to total assets | 83.3496% | 4,364 |
| Equity capital to assets | 10.1592% | 3,549 |
| Core capital (leverage) ratio | 9.3364% | 3,923 |
| Tier 1 risk-based capital ratio | 20.6348% | 1,354 |
| Total risk-based capital ratio | 21.8432% | 1,329 |
| Memoranda: | ||
| Average total assets | $120,197,600 | 4,556 |
| Average earning assets | $114,767,600 | 4,431 |
| Average equity | $11,303,600 | 4,940 |
| Average total loans | $64,138,200 | 5,098 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4061% | 4,918 |
| Cost of funding earning assets | 1.7766% | 4,496 |
| Net interest margin | 3.6295% | 4,373 |
| Noninterest income to average assets | 0.9187% | 1,908 |
| Noninterest expense to average assets | 2.5384% | 5,943 |
| Loan and lease loss provision to assets | 0.0829% | 6,540 |
| Net operating income to assets | 1.1575% | 1,567 |
| Return on assets (ROA) | 1.2239% | 1,470 |
| Pretax return on assets | 1.8673% | 702 |
| Return on Equity (ROE) | 13.2760% | 1,052 |
| Retained earnings to average equity (ytd only) | 10.3737% | 564 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8483% | 6,734 |
| Assets per employee ($millions) | 3.6458% | 4,556 |
| Cash dividends to net income (ytd only)* | 21.8610% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 6,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 7,540 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 51.7631% | 6,626 |
| Net loans and leases to deposits | 62.2546% | 6,651 |
| Net loans and leases to core deposits | 81.9286% | 6,195 |
| Total domestic deposits to total assets | 83.1474% | 4,151 |
| Equity capital to assets | 9.4976% | 4,748 |
| Core capital (leverage) ratio | 9.0641% | 4,552 |
| Tier 1 risk-based capital ratio | 19.3037% | 1,685 |
| Total risk-based capital ratio | 20.4607% | 1,670 |
| Memoranda: | ||
| Average total assets | $120,599,000 | 4,579 |
| Average earning assets | $115,275,250 | 4,444 |
| Average equity | $11,117,500 | 5,042 |
| Average total loans | $64,156,500 | 5,130 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5005% | 4,630 |
| Cost of funding earning assets | 1.9019% | 4,256 |
| Net interest margin | 3.5987% | 4,365 |
| Noninterest income to average assets | 0.9290% | 1,850 |
| Noninterest expense to average assets | 2.5276% | 6,028 |
| Loan and lease loss provision to assets | 0.0686% | 6,515 |
| Net operating income to assets | 1.1767% | 1,544 |
| Return on assets (ROA) | 1.2772% | 1,369 |
| Pretax return on assets | 1.9217% | 665 |
| Return on Equity (ROE) | 14.0013% | 989 |
| Retained earnings to average equity (ytd only) | 10.9735% | 570 |
| Net charge-offs to loans | -0.0031% | 7,497 |
| Credit loss provision to net charge-offs | -4,100.0000% | 7,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8988% | 6,878 |
| Assets per employee ($millions) | 3.7688% | 4,178 |
| Cash dividends to net income (ytd only)* | 21.6252% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 6,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 7,543 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 52.2267% | 6,658 |
| Net loans and leases to deposits | 62.3189% | 6,710 |
| Net loans and leases to core deposits | 81.4986% | 6,283 |
| Total domestic deposits to total assets | 83.8055% | 3,871 |
| Equity capital to assets | 9.2941% | 4,879 |
| Core capital (leverage) ratio | 9.0105% | 4,612 |
| Tier 1 risk-based capital ratio | 18.9823% | 1,786 |
| Total risk-based capital ratio | 20.0905% | 1,764 |
| Memoranda: | ||
| Average total assets | $119,479,670 | 4,650 |
| Average earning assets | $114,098,330 | 4,511 |
| Average equity | $10,899,000 | 5,113 |
| Average total loans | $63,930,670 | 5,180 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5726% | 4,513 |
| Cost of funding earning assets | 2.0501% | 3,878 |
| Net interest margin | 3.5225% | 4,640 |
| Noninterest income to average assets | 0.8846% | 1,912 |
| Noninterest expense to average assets | 2.5194% | 5,766 |
| Loan and lease loss provision to assets | 0.0505% | 6,338 |
| Net operating income to assets | 1.1134% | 1,913 |
| Return on assets (ROA) | 1.1134% | 2,037 |
| Pretax return on assets | 1.6785% | 1,217 |
| Return on Equity (ROE) | 12.3232% | 1,562 |
| Retained earnings to average equity (ytd only) | 9.4564% | 1,352 |
| Net charge-offs to loans | -0.0312% | 7,564 |
| Credit loss provision to net charge-offs | -300.0000% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3032% | 6,506 |
| Assets per employee ($millions) | 3.5363% | 4,734 |
| Cash dividends to net income (ytd only)* | 23.2628% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9675% | 6,385 |
| Loan loss allowance to noncurrent loans | 476.7442% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 7,179 |
| Noncurrent loans to loans | 0.2029% | 6,954 |
| Net loans and leases to total assets | 52.3587% | 6,645 |
| Net loans and leases to deposits | 62.3550% | 6,704 |
| Net loans and leases to core deposits | 82.1519% | 6,228 |
| Total domestic deposits to total assets | 83.9688% | 3,722 |
| Equity capital to assets | 9.1106% | 5,214 |
| Core capital (leverage) ratio | 8.8697% | 4,895 |
| Tier 1 risk-based capital ratio | 18.3943% | 1,960 |
| Total risk-based capital ratio | 19.4649% | 1,951 |
| Memoranda: | ||
| Average total assets | $118,918,000 | 4,682 |
| Average earning assets | $113,556,500 | 4,542 |
| Average equity | $10,744,000 | 5,172 |
| Average total loans | $64,084,000 | 5,203 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9671% | 5,715 |
| Cost of funding earning assets | 2.5299% | 4,048 |
| Net interest margin | 3.4372% | 5,520 |
| Noninterest income to average assets | 1.0560% | 1,407 |
| Noninterest expense to average assets | 2.4587% | 6,174 |
| Loan and lease loss provision to assets | 0.0235% | 7,103 |
| Net operating income to assets | 1.2840% | 1,532 |
| Return on assets (ROA) | 1.2997% | 1,435 |
| Pretax return on assets | 1.8621% | 831 |
| Return on Equity (ROE) | 14.6634% | 981 |
| Retained earnings to average equity (ytd only) | 11.4048% | 282 |
| Net charge-offs to loans | 0.0906% | 5,445 |
| Credit loss provision to net charge-offs | 44.8276% | 6,403 |
| Earnings coverage of net charge-offs (x) | 35.5862% | 1,024 |
| Efficiency ratio | 56.8922% | 6,887 |
| Assets per employee ($millions) | 3.4589% | 4,778 |
| Cash dividends to net income (ytd only)* | 22.2222% | 4,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 6,569 |
| Loan loss allowance to noncurrent loans | 456.9231% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 7,021 |
| Noncurrent loans to loans | 0.2012% | 6,780 |
| Net loans and leases to total assets | 54.4259% | 6,609 |
| Net loans and leases to deposits | 65.9156% | 6,651 |
| Net loans and leases to core deposits | 85.9418% | 6,135 |
| Total domestic deposits to total assets | 82.5692% | 3,969 |
| Equity capital to assets | 8.9573% | 5,425 |
| Core capital (leverage) ratio | 9.0291% | 4,700 |
| Tier 1 risk-based capital ratio | 17.9162% | 2,061 |
| Total risk-based capital ratio | 18.9482% | 2,062 |
| Memoranda: | ||
| Average total assets | $110,790,800 | 4,756 |
| Average earning assets | $105,260,800 | 4,638 |
| Average equity | $9,820,400 | 5,466 |
| Average total loans | $63,990,600 | 5,098 |