Home > Bear State Bank > Performance and Condition Ratios
Bear State Bank, Performance and Condition Ratios
| 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 | 4.5507% | 1,715 |
| Cost of funding earning assets | 0.6433% | 1,757 |
| Net interest margin | 3.9074% | 2,019 |
| Noninterest income to average assets | 0.5836% | 2,342 |
| Noninterest expense to average assets | 2.1009% | 4,662 |
| Loan and lease loss provision to assets | 0.0697% | 2,369 |
| Net operating income to assets | 1.4462% | 1,204 |
| Return on assets (ROA) | 1.4462% | 1,212 |
| Pretax return on assets | 1.8895% | 746 |
| Return on Equity (ROE) | 11.6957% | 1,687 |
| Retained earnings to average equity (ytd only) | 8.6724% | 1,590 |
| Net charge-offs to loans | 0.0627% | 1,480 |
| Credit loss provision to net charge-offs | 143.4615% | 1,259 |
| Earnings coverage of net charge-offs (x) | 40.3154% | 1,062 |
| Efficiency ratio | 50.5708% | 5,055 |
| Assets per employee ($millions) | 5.5635% | 1,875 |
| Cash dividends to net income (ytd only)* | 25.8498% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 3,001 |
| Loan loss allowance to noncurrent loans | 112.5678% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8984% | 1,768 |
| Noncurrent loans to loans | 1.0356% | 1,767 |
| Net loans and leases to total assets | 76.4152% | 1,478 |
| Net loans and leases to deposits | 113.2600% | 189 |
| Net loans and leases to core deposits | 119.0549% | 611 |
| Total domestic deposits to total assets | 67.4689% | 5,432 |
| Equity capital to assets | 12.5711% | 1,443 |
| Core capital (leverage) ratio | 10.4791% | 2,971 |
| Tier 1 risk-based capital ratio | 12.4743% | 4,256 |
| Total risk-based capital ratio | 13.5584% | 4,267 |
| Memoranda: | ||
| Average total assets | $2,139,989,000 | 399 |
| Average earning assets | $1,904,055,500 | 409 |
| Average equity | $264,609,500 | 367 |
| Average total loans | $1,657,958,000 | 379 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4620% | 1,839 |
| Cost of funding earning assets | 0.5321% | 2,091 |
| Net interest margin | 3.9299% | 1,992 |
| Noninterest income to average assets | 0.8012% | 1,562 |
| Noninterest expense to average assets | 2.2941% | 4,344 |
| Loan and lease loss provision to assets | 0.2070% | 980 |
| Net operating income to assets | 1.1276% | 1,762 |
| Return on assets (ROA) | 1.1290% | 1,789 |
| Pretax return on assets | 1.7995% | 795 |
| Return on Equity (ROE) | 9.6158% | 2,047 |
| Retained earnings to average equity (ytd only) | 4.1273% | 2,690 |
| Net charge-offs to loans | 0.0659% | 2,530 |
| Credit loss provision to net charge-offs | 412.6606% | 737 |
| Earnings coverage of net charge-offs (x) | 39.9505% | 1,265 |
| Efficiency ratio | 52.2766% | 5,085 |
| Assets per employee ($millions) | 5.4830% | 1,952 |
| Cash dividends to net income (ytd only)* | 57.0776% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 3,173 |
| Loan loss allowance to noncurrent loans | 107.4877% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.8942% | 1,740 |
| Noncurrent loans to loans | 1.0536% | 1,683 |
| Net loans and leases to total assets | 76.7515% | 1,472 |
| Net loans and leases to deposits | 110.3466% | 260 |
| Net loans and leases to core deposits | 116.0631% | 719 |
| Total domestic deposits to total assets | 69.5549% | 5,423 |
| Equity capital to assets | 12.1628% | 1,727 |
| Core capital (leverage) ratio | 9.8497% | 3,640 |
| Tier 1 risk-based capital ratio | 11.8820% | 4,608 |
| Total risk-based capital ratio | 12.9304% | 4,620 |
| Memoranda: | ||
| Average total assets | $2,172,559,000 | 383 |
| Average earning assets | $1,933,362,000 | 388 |
| Average equity | $255,081,000 | 364 |
| Average total loans | $1,653,905,800 | 363 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4266% | 1,867 |
| Cost of funding earning assets | 0.5038% | 2,235 |
| Net interest margin | 3.9228% | 1,964 |
| Noninterest income to average assets | 0.7865% | 1,634 |
| Noninterest expense to average assets | 2.3126% | 4,265 |
| Loan and lease loss provision to assets | 0.2472% | 700 |
| Net operating income to assets | 1.1635% | 1,829 |
| Return on assets (ROA) | 1.1655% | 1,867 |
| Pretax return on assets | 1.7215% | 1,070 |
| Return on Equity (ROE) | 10.0159% | 2,128 |
| Retained earnings to average equity (ytd only) | 3.6961% | 3,727 |
| Net charge-offs to loans | 0.0757% | 2,057 |
| Credit loss provision to net charge-offs | 430.9829% | 726 |
| Earnings coverage of net charge-offs (x) | 34.2692% | 1,447 |
| Efficiency ratio | 52.9565% | 5,016 |
| Assets per employee ($millions) | 5.1621% | 2,272 |
| Cash dividends to net income (ytd only)* | 63.0981% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 3,566 |
| Loan loss allowance to noncurrent loans | 101.6707% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.8854% | 1,943 |
| Noncurrent loans to loans | 1.0693% | 1,805 |
| Net loans and leases to total assets | 75.8683% | 1,608 |
| Net loans and leases to deposits | 106.7647% | 379 |
| Net loans and leases to core deposits | 114.1752% | 829 |
| Total domestic deposits to total assets | 71.0613% | 5,438 |
| Equity capital to assets | 11.5709% | 2,299 |
| Core capital (leverage) ratio | 9.6210% | 4,016 |
| Tier 1 risk-based capital ratio | 11.3849% | 5,023 |
| Total risk-based capital ratio | 12.3908% | 5,060 |
| Memoranda: | ||
| Average total assets | $2,175,624,000 | 384 |
| Average earning assets | $1,936,590,250 | 386 |
| Average equity | $253,163,250 | 366 |
| Average total loans | $1,648,119,000 | 364 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 1,790 |
| Cost of funding earning assets | 0.4666% | 2,442 |
| Net interest margin | 3.9417% | 1,803 |
| Noninterest income to average assets | 0.8064% | 1,549 |
| Noninterest expense to average assets | 2.3389% | 4,246 |
| Loan and lease loss provision to assets | 0.2016% | 910 |
| Net operating income to assets | 1.1950% | 1,612 |
| Return on assets (ROA) | 1.1980% | 1,639 |
| Pretax return on assets | 1.7741% | 890 |
| Return on Equity (ROE) | 10.2755% | 1,921 |
| Retained earnings to average equity (ytd only) | 2.3118% | 4,293 |
| Net charge-offs to loans | 0.0827% | 1,782 |
| Credit loss provision to net charge-offs | 323.0655% | 913 |
| Earnings coverage of net charge-offs (x) | 31.5923% | 1,427 |
| Efficiency ratio | 53.1646% | 5,083 |
| Assets per employee ($millions) | 5.0526% | 2,333 |
| Cash dividends to net income (ytd only)* | 77.5014% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 3,990 |
| Loan loss allowance to noncurrent loans | 100.8442% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 2,196 |
| Noncurrent loans to loans | 1.0167% | 1,932 |
| Net loans and leases to total assets | 73.6763% | 1,932 |
| Net loans and leases to deposits | 96.7616% | 1,002 |
| Net loans and leases to core deposits | 107.4116% | 1,133 |
| Total domestic deposits to total assets | 76.1421% | 5,076 |
| Equity capital to assets | 11.3775% | 2,433 |
| Core capital (leverage) ratio | 9.6683% | 3,935 |
| Tier 1 risk-based capital ratio | 11.4294% | 5,004 |
| Total risk-based capital ratio | 12.3722% | 5,079 |
| Memoranda: | ||
| Average total assets | $2,154,046,330 | 390 |
| Average earning assets | $1,914,650,330 | 392 |
| Average equity | $251,141,000 | 370 |
| Average total loans | $1,624,691,000 | 373 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4945% | 1,387 |
| Cost of funding earning assets | 0.4454% | 2,565 |
| Net interest margin | 4.0491% | 1,349 |
| Noninterest income to average assets | 0.7957% | 1,569 |
| Noninterest expense to average assets | 2.4670% | 3,914 |
| Loan and lease loss provision to assets | 0.2555% | 575 |
| Net operating income to assets | 1.1077% | 1,836 |
| Return on assets (ROA) | 1.1091% | 1,872 |
| Pretax return on assets | 1.6667% | 1,075 |
| Return on Equity (ROE) | 9.3929% | 2,234 |
| Retained earnings to average equity (ytd only) | -3.4389% | 5,290 |
| Net charge-offs to loans | 0.0279% | 2,197 |
| Credit loss provision to net charge-offs | 1,204.4643% | 267 |
| Earnings coverage of net charge-offs (x) | 90.5179% | 588 |
| Efficiency ratio | 55.1310% | 5,027 |
| Assets per employee ($millions) | 4.9719% | 2,482 |
| Cash dividends to net income (ytd only)* | 136.6120% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 4,138 |
| Loan loss allowance to noncurrent loans | 90.0434% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 0.9142% | 2,027 |
| Noncurrent loans to loans | 1.1373% | 1,791 |
| Net loans and leases to total assets | 74.8247% | 1,611 |
| Net loans and leases to deposits | 97.2647% | 828 |
| Net loans and leases to core deposits | 107.4269% | 1,005 |
| Total domestic deposits to total assets | 76.9289% | 5,124 |
| Equity capital to assets | 11.4395% | 2,227 |
| Core capital (leverage) ratio | 9.8317% | 3,718 |
| Tier 1 risk-based capital ratio | 11.2233% | 5,190 |
| Total risk-based capital ratio | 12.1626% | 5,279 |
| Memoranda: | ||
| Average total assets | $2,111,912,500 | 396 |
| Average earning assets | $1,873,214,500 | 402 |
| Average equity | $249,379,000 | 372 |
| Average total loans | $1,603,941,500 | 377 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3371% | 2,023 |
| Cost of funding earning assets | 0.4182% | 2,826 |
| Net interest margin | 3.9189% | 1,906 |
| Noninterest income to average assets | 0.8511% | 1,573 |
| Noninterest expense to average assets | 2.7931% | 3,043 |
| Loan and lease loss provision to assets | 0.1274% | 1,949 |
| Net operating income to assets | 0.9746% | 2,462 |
| Return on assets (ROA) | 0.9753% | 2,567 |
| Pretax return on assets | 1.3798% | 2,016 |
| Return on Equity (ROE) | 7.8543% | 3,025 |
| Retained earnings to average equity (ytd only) | 5.8158% | 1,814 |
| Net charge-offs to loans | 0.0985% | 2,305 |
| Credit loss provision to net charge-offs | 169.6561% | 1,633 |
| Earnings coverage of net charge-offs (x) | 20.0634% | 1,875 |
| Efficiency ratio | 63.7638% | 3,984 |
| Assets per employee ($millions) | 4.2379% | 3,549 |
| Cash dividends to net income (ytd only)* | 25.9538% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 4,361 |
| Loan loss allowance to noncurrent loans | 85.8812% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 0.9795% | 1,934 |
| Noncurrent loans to loans | 1.1592% | 1,770 |
| Net loans and leases to total assets | 75.5567% | 1,592 |
| Net loans and leases to deposits | 94.1838% | 1,180 |
| Net loans and leases to core deposits | 101.1586% | 1,523 |
| Total domestic deposits to total assets | 80.2226% | 4,525 |
| Equity capital to assets | 12.1987% | 1,685 |
| Core capital (leverage) ratio | 10.3834% | 3,011 |
| Tier 1 risk-based capital ratio | 12.0973% | 4,661 |
| Total risk-based capital ratio | 13.0200% | 4,784 |
| Memoranda: | ||
| Average total assets | $1,975,383,400 | 399 |
| Average earning assets | $1,738,145,400 | 412 |
| Average equity | $245,280,200 | 367 |
| Average total loans | $1,505,346,800 | 374 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3571% | 1,981 |
| Cost of funding earning assets | 0.4133% | 2,901 |
| Net interest margin | 3.9438% | 1,839 |
| Noninterest income to average assets | 0.8492% | 1,579 |
| Noninterest expense to average assets | 2.8680% | 2,752 |
| Loan and lease loss provision to assets | 0.1135% | 2,037 |
| Net operating income to assets | 0.9652% | 2,590 |
| Return on assets (ROA) | 0.9661% | 2,721 |
| Pretax return on assets | 1.3342% | 2,291 |
| Return on Equity (ROE) | 7.7453% | 3,149 |
| Retained earnings to average equity (ytd only) | 6.1063% | 2,125 |
| Net charge-offs to loans | 0.0988% | 1,961 |
| Credit loss provision to net charge-offs | 150.8152% | 1,762 |
| Earnings coverage of net charge-offs (x) | 19.2247% | 1,947 |
| Efficiency ratio | 65.2651% | 3,718 |
| Assets per employee ($millions) | 4.1572% | 3,676 |
| Cash dividends to net income (ytd only)* | 21.1610% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 4,477 |
| Loan loss allowance to noncurrent loans | 80.2208% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.0188% | 2,027 |
| Noncurrent loans to loans | 1.2319% | 1,821 |
| Net loans and leases to total assets | 75.5609% | 1,602 |
| Net loans and leases to deposits | 91.4923% | 1,565 |
| Net loans and leases to core deposits | 97.0233% | 1,901 |
| Total domestic deposits to total assets | 82.5872% | 3,748 |
| Equity capital to assets | 12.4790% | 1,793 |
| Core capital (leverage) ratio | 10.4243% | 3,082 |
| Tier 1 risk-based capital ratio | 12.2431% | 4,648 |
| Total risk-based capital ratio | 13.1640% | 4,732 |
| Memoranda: | ||
| Average total assets | $1,956,449,000 | 399 |
| Average earning assets | $1,719,006,000 | 414 |
| Average equity | $244,047,500 | 370 |
| Average total loans | $1,490,347,750 | 377 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3866% | 1,862 |
| Cost of funding earning assets | 0.4097% | 2,943 |
| Net interest margin | 3.9770% | 1,713 |
| Noninterest income to average assets | 0.8053% | 1,695 |
| Noninterest expense to average assets | 2.9888% | 2,386 |
| Loan and lease loss provision to assets | 0.1053% | 2,099 |
| Net operating income to assets | 0.9059% | 2,830 |
| Return on assets (ROA) | 0.9058% | 2,962 |
| Pretax return on assets | 1.1984% | 2,788 |
| Return on Equity (ROE) | 7.2622% | 3,390 |
| Retained earnings to average equity (ytd only) | 6.4359% | 1,901 |
| Net charge-offs to loans | 0.1113% | 1,714 |
| Credit loss provision to net charge-offs | 124.3309% | 1,813 |
| Earnings coverage of net charge-offs (x) | 15.3929% | 1,993 |
| Efficiency ratio | 68.3976% | 3,259 |
| Assets per employee ($millions) | 3.9099% | 4,078 |
| Cash dividends to net income (ytd only)* | 11.3779% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9843% | 4,595 |
| Loan loss allowance to noncurrent loans | 71.3057% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 1.1518% | 1,839 |
| Noncurrent loans to loans | 1.3805% | 1,619 |
| Net loans and leases to total assets | 74.7040% | 1,702 |
| Net loans and leases to deposits | 90.3521% | 1,711 |
| Net loans and leases to core deposits | 95.7853% | 1,996 |
| Total domestic deposits to total assets | 82.6810% | 3,768 |
| Equity capital to assets | 12.4261% | 1,824 |
| Core capital (leverage) ratio | 10.4151% | 3,060 |
| Tier 1 risk-based capital ratio | 12.0779% | 4,778 |
| Total risk-based capital ratio | 12.9861% | 4,897 |
| Memoranda: | ||
| Average total assets | $1,940,683,000 | 403 |
| Average earning assets | $1,701,846,330 | 416 |
| Average equity | $242,047,670 | 372 |
| Average total loans | $1,477,410,000 | 377 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4781% | 1,572 |
| Cost of funding earning assets | 0.4054% | 3,007 |
| Net interest margin | 4.0727% | 1,419 |
| Noninterest income to average assets | 0.7368% | 1,870 |
| Noninterest expense to average assets | 3.0961% | 2,115 |
| Loan and lease loss provision to assets | 0.1020% | 1,997 |
| Net operating income to assets | 0.7628% | 3,427 |
| Return on assets (ROA) | 0.7625% | 3,536 |
| Pretax return on assets | 1.1025% | 3,085 |
| Return on Equity (ROE) | 6.1018% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.1018% | 2,332 |
| Net charge-offs to loans | 0.0474% | 2,086 |
| Credit loss provision to net charge-offs | 281.0345% | 889 |
| Earnings coverage of net charge-offs (x) | 33.2011% | 1,122 |
| Efficiency ratio | 70.7497% | 2,996 |
| Assets per employee ($millions) | 3.6551% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 4,533 |
| Loan loss allowance to noncurrent loans | 67.1636% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 1.3183% | 1,625 |
| Noncurrent loans to loans | 1.5081% | 1,551 |
| Net loans and leases to total assets | 75.7107% | 1,434 |
| Net loans and leases to deposits | 90.0880% | 1,571 |
| Net loans and leases to core deposits | 95.5561% | 1,841 |
| Total domestic deposits to total assets | 84.0408% | 3,503 |
| Equity capital to assets | 12.6067% | 1,617 |
| Core capital (leverage) ratio | 10.2594% | 3,252 |
| Tier 1 risk-based capital ratio | 11.9343% | 4,951 |
| Total risk-based capital ratio | 12.8608% | 5,072 |
| Memoranda: | ||
| Average total assets | $1,917,901,500 | 406 |
| Average earning assets | $1,678,382,500 | 419 |
| Average equity | $239,665,500 | 374 |
| Average total loans | $1,466,836,500 | 376 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2885% | 2,256 |
| Cost of funding earning assets | 0.4455% | 2,675 |
| Net interest margin | 3.8430% | 2,222 |
| Noninterest income to average assets | 0.8836% | 1,489 |
| Noninterest expense to average assets | 3.0019% | 2,536 |
| Loan and lease loss provision to assets | 0.0797% | 2,688 |
| Net operating income to assets | 0.7945% | 3,363 |
| Return on assets (ROA) | 0.7988% | 3,429 |
| Pretax return on assets | 1.1501% | 2,842 |
| Return on Equity (ROE) | 6.3437% | 3,874 |
| Retained earnings to average equity (ytd only) | -0.1723% | 5,537 |
| Net charge-offs to loans | 0.0835% | 2,640 |
| Credit loss provision to net charge-offs | 131.1384% | 1,996 |
| Earnings coverage of net charge-offs (x) | 20.1384% | 1,896 |
| Efficiency ratio | 70.0414% | 3,220 |
| Assets per employee ($millions) | 3.7271% | 4,419 |
| Cash dividends to net income (ytd only)* | 102.7165% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 3,081 |
| Loan loss allowance to noncurrent loans | 73.9038% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.4959% | 1,353 |
| Noncurrent loans to loans | 1.7129% | 1,319 |
| Net loans and leases to total assets | 74.4139% | 1,655 |
| Net loans and leases to deposits | 89.5333% | 1,679 |
| Net loans and leases to core deposits | 94.8592% | 1,962 |
| Total domestic deposits to total assets | 83.1131% | 3,806 |
| Equity capital to assets | 12.6223% | 1,548 |
| Core capital (leverage) ratio | 10.5781% | 2,846 |
| Tier 1 risk-based capital ratio | 12.1893% | 4,831 |
| Total risk-based capital ratio | 13.3177% | 4,809 |
| Memoranda: | ||
| Average total assets | $1,474,785,400 | 485 |
| Average earning assets | $1,282,456,400 | 510 |
| Average equity | $185,696,800 | 442 |
| Average total loans | $1,073,189,000 | 450 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2960% | 2,245 |
| Cost of funding earning assets | 0.4466% | 2,721 |
| Net interest margin | 3.8494% | 2,190 |
| Noninterest income to average assets | 0.9077% | 1,432 |
| Noninterest expense to average assets | 2.9775% | 2,592 |
| Loan and lease loss provision to assets | 0.0840% | 2,494 |
| Net operating income to assets | 0.8183% | 3,343 |
| Return on assets (ROA) | 0.8238% | 3,391 |
| Pretax return on assets | 1.1984% | 2,826 |
| Return on Equity (ROE) | 6.5462% | 3,877 |
| Retained earnings to average equity (ytd only) | -2.1266% | 5,868 |
| Net charge-offs to loans | 0.0770% | 2,459 |
| Credit loss provision to net charge-offs | 151.1364% | 1,664 |
| Earnings coverage of net charge-offs (x) | 22.9384% | 1,754 |
| Efficiency ratio | 69.0312% | 3,368 |
| Assets per employee ($millions) | 3.9348% | 4,004 |
| Cash dividends to net income (ytd only)* | 132.4866% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 3,163 |
| Loan loss allowance to noncurrent loans | 75.6837% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.4141% | 1,622 |
| Noncurrent loans to loans | 1.7017% | 1,421 |
| Net loans and leases to total assets | 72.9819% | 1,910 |
| Net loans and leases to deposits | 88.4775% | 1,839 |
| Net loans and leases to core deposits | 94.3291% | 2,045 |
| Total domestic deposits to total assets | 82.4864% | 3,996 |
| Equity capital to assets | 12.3997% | 1,796 |
| Core capital (leverage) ratio | 10.2286% | 3,332 |
| Tier 1 risk-based capital ratio | 12.2553% | 4,919 |
| Total risk-based capital ratio | 13.4285% | 4,878 |
| Memoranda: | ||
| Average total assets | $1,478,226,750 | 485 |
| Average earning assets | $1,284,217,750 | 511 |
| Average equity | $186,017,250 | 444 |
| Average total loans | $1,066,201,000 | 454 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2965% | 2,178 |
| Cost of funding earning assets | 0.4482% | 2,753 |
| Net interest margin | 3.8484% | 2,146 |
| Noninterest income to average assets | 0.8723% | 1,535 |
| Noninterest expense to average assets | 3.0638% | 2,354 |
| Loan and lease loss provision to assets | 0.0810% | 2,488 |
| Net operating income to assets | 0.7453% | 3,662 |
| Return on assets (ROA) | 0.7536% | 3,724 |
| Pretax return on assets | 1.0797% | 3,258 |
| Return on Equity (ROE) | 5.9596% | 4,146 |
| Retained earnings to average equity (ytd only) | 5.9596% | 2,267 |
| Net charge-offs to loans | 0.0766% | 2,294 |
| Credit loss provision to net charge-offs | 147.7833% | 1,553 |
| Earnings coverage of net charge-offs (x) | 20.9631% | 1,693 |
| Efficiency ratio | 71.7270% | 3,038 |
| Assets per employee ($millions) | 3.9678% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 3,253 |
| Loan loss allowance to noncurrent loans | 117.4864% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.0498% | 2,407 |
| Noncurrent loans to loans | 1.1046% | 2,445 |
| Net loans and leases to total assets | 72.7542% | 1,854 |
| Net loans and leases to deposits | 87.0793% | 1,931 |
| Net loans and leases to core deposits | 92.6740% | 2,095 |
| Total domestic deposits to total assets | 83.5493% | 3,741 |
| Equity capital to assets | 13.1012% | 1,347 |
| Core capital (leverage) ratio | 10.7379% | 2,690 |
| Tier 1 risk-based capital ratio | 13.0600% | 4,482 |
| Total risk-based capital ratio | 14.2402% | 4,441 |
| Memoranda: | ||
| Average total assets | $1,481,746,330 | 485 |
| Average earning assets | $1,286,101,670 | 503 |
| Average equity | $187,361,000 | 443 |
| Average total loans | $1,059,899,000 | 459 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 1,978 |
| Cost of funding earning assets | 0.4382% | 2,899 |
| Net interest margin | 3.8994% | 1,897 |
| Noninterest income to average assets | 0.7976% | 1,719 |
| Noninterest expense to average assets | 3.1509% | 2,128 |
| Loan and lease loss provision to assets | 0.0801% | 2,360 |
| Net operating income to assets | 0.6715% | 3,944 |
| Return on assets (ROA) | 0.6882% | 3,984 |
| Pretax return on assets | 0.9754% | 3,583 |
| Return on Equity (ROE) | 5.5389% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.5389% | 2,754 |
| Net charge-offs to loans | 0.0750% | 1,959 |
| Credit loss provision to net charge-offs | 151.5152% | 1,234 |
| Earnings coverage of net charge-offs (x) | 19.5253% | 1,445 |
| Efficiency ratio | 74.3331% | 2,763 |
| Assets per employee ($millions) | 4.0736% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 3,343 |
| Loan loss allowance to noncurrent loans | 123.0838% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.0782% | 2,456 |
| Noncurrent loans to loans | 1.0640% | 2,632 |
| Net loans and leases to total assets | 70.3307% | 2,089 |
| Net loans and leases to deposits | 83.7942% | 2,110 |
| Net loans and leases to core deposits | 89.3077% | 2,200 |
| Total domestic deposits to total assets | 83.9327% | 3,840 |
| Equity capital to assets | 12.7250% | 1,554 |
| Core capital (leverage) ratio | 10.1160% | 3,447 |
| Tier 1 risk-based capital ratio | 12.8650% | 4,682 |
| Total risk-based capital ratio | 14.0608% | 4,635 |
| Memoranda: | ||
| Average total assets | $1,498,498,000 | 477 |
| Average earning assets | $1,300,915,000 | 501 |
| Average equity | $186,173,000 | 444 |
| Average total loans | $1,056,093,000 | 459 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5415% | 6,319 |
| Cost of funding earning assets | 0.0910% | 6,352 |
| Net interest margin | 2.4506% | 6,193 |
| Noninterest income to average assets | 0.3951% | 4,221 |
| Noninterest expense to average assets | 1.3055% | 6,395 |
| Loan and lease loss provision to assets | 0.1374% | 1,916 |
| Net operating income to assets | 0.6890% | 3,951 |
| Return on assets (ROA) | 0.6890% | 4,063 |
| Pretax return on assets | 1.0819% | 3,159 |
| Return on Equity (ROE) | 4.6538% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.6538% | 2,857 |
| Net charge-offs to loans | 0.0084% | 4,754 |
| Credit loss provision to net charge-offs | 2,690.9091% | 116 |
| Earnings coverage of net charge-offs (x) | 238.8485% | 228 |
| Efficiency ratio | 50.2144% | 6,082 |
| Assets per employee ($millions) | 3.6918% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2154% | 6,411 |
| Loan loss allowance to noncurrent loans | 81.8966% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 4,965 |
| Noncurrent loans to loans | 0.2631% | 4,899 |
| Net loans and leases to total assets | 64.2306% | 3,193 |
| Net loans and leases to deposits | 76.0338% | 3,195 |
| Net loans and leases to core deposits | 78.9048% | 3,421 |
| Total domestic deposits to total assets | 84.4764% | 3,519 |
| Equity capital to assets | 13.1294% | 1,304 |
| Core capital (leverage) ratio | 9.3995% | 4,387 |
| Tier 1 risk-based capital ratio | 13.1438% | 4,627 |
| Total risk-based capital ratio | 13.3436% | 5,207 |
| Memoranda: | ||
| Average total assets | $646,483,000 | 1,038 |
| Average earning assets | $561,829,400 | 1,081 |
| Average equity | $95,707,600 | 771 |
| Average total loans | $394,632,000 | 1,117 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8746% | 6,510 |
| Cost of funding earning assets | 0.0607% | 6,502 |
| Net interest margin | 1.8138% | 6,483 |
| Noninterest income to average assets | 0.2869% | 5,149 |
| Noninterest expense to average assets | 0.9136% | 6,539 |
| Loan and lease loss provision to assets | 0.0877% | 2,599 |
| Net operating income to assets | 0.5358% | 4,735 |
| Return on assets (ROA) | 0.5358% | 4,806 |
| Pretax return on assets | 0.8622% | 4,140 |
| Return on Equity (ROE) | 3.5251% | 5,355 |
| Retained earnings to average equity (ytd only) | 3.5251% | 4,135 |
| Net charge-offs to loans | 0.0047% | 4,540 |
| Credit loss provision to net charge-offs | 3,071.4286% | 121 |
| Earnings coverage of net charge-offs (x) | 332.7177% | 213 |
| Efficiency ratio | 47.5930% | 6,219 |
| Assets per employee ($millions) | 3.6212% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1038% | 6,516 |
| Loan loss allowance to noncurrent loans | 19.8948% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 4,898 |
| Noncurrent loans to loans | 0.5215% | 4,374 |
| Net loans and leases to total assets | 64.6788% | 3,076 |
| Net loans and leases to deposits | 76.2645% | 3,153 |
| Net loans and leases to core deposits | 79.1226% | 3,425 |
| Total domestic deposits to total assets | 84.8085% | 3,417 |
| Equity capital to assets | 12.7772% | 1,541 |
| Core capital (leverage) ratio | 9.1498% | 4,854 |
| Tier 1 risk-based capital ratio | 12.2439% | 5,335 |
| Total risk-based capital ratio | 12.3377% | 5,913 |
| Memoranda: | ||
| Average total assets | $653,972,750 | 1,031 |
| Average earning assets | $568,433,750 | 1,077 |
| Average equity | $99,398,000 | 739 |
| Average total loans | $394,077,000 | 1,116 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3605% | 6,642 |
| Cost of funding earning assets | 0.0121% | 6,619 |
| Net interest margin | 0.3484% | 6,641 |
| Noninterest income to average assets | 0.0583% | 6,419 |
| Noninterest expense to average assets | 0.1551% | 6,649 |
| Loan and lease loss provision to assets | 0.0391% | 3,525 |
| Net operating income to assets | 0.1064% | 6,037 |
| Return on assets (ROA) | 0.1064% | 6,070 |
| Pretax return on assets | 0.1671% | 5,994 |
| Return on Equity (ROE) | 0.6669% | 6,114 |
| Retained earnings to average equity (ytd only) | 0.6669% | 5,471 |
| Net charge-offs to loans | 0.0026% | 4,301 |
| Credit loss provision to net charge-offs | 2,600.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 137.2000% | 439 |
| Efficiency ratio | 42.9285% | 6,453 |
| Assets per employee ($millions) | 3.5090% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0327% | 6,597 |
| Loan loss allowance to noncurrent loans | 12.2549% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 5,638 |
| Noncurrent loans to loans | 0.2668% | 5,221 |
| Net loans and leases to total assets | 62.9656% | 3,243 |
| Net loans and leases to deposits | 73.9402% | 3,322 |
| Net loans and leases to core deposits | 76.9214% | 3,546 |
| Total domestic deposits to total assets | 85.1574% | 3,432 |
| Equity capital to assets | 12.6711% | 1,553 |
| Core capital (leverage) ratio | 8.5077% | 5,632 |
| Tier 1 risk-based capital ratio | 12.1522% | 5,453 |
| Total risk-based capital ratio | 12.1825% | 6,022 |
| Memoranda: | ||
| Average total assets | $665,554,000 | 1,017 |
| Average earning assets | $578,621,670 | 1,066 |
| Average equity | $106,157,330 | 686 |
| Average total loans | $391,794,000 | 1,117 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6644% | 4,963 |
| Cost of funding earning assets | 0.3854% | 4,138 |
| Net interest margin | 3.2790% | 4,627 |
| Noninterest income to average assets | 0.6741% | 2,327 |
| Noninterest expense to average assets | 2.1560% | 5,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8446% | 2,932 |
| Return on assets (ROA) | 0.8446% | 3,008 |
| Pretax return on assets | 1.3587% | 1,885 |
| Return on Equity (ROE) | 4.8586% | 4,615 |
| Retained earnings to average equity (ytd only) | 4.8586% | 3,200 |
| Net charge-offs to loans | 0.0595% | 2,561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 874 |
| Efficiency ratio | 61.3432% | 5,225 |
| Assets per employee ($millions) | 4.1146% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2422% | 1,103 |
| Loan loss allowance to noncurrent loans | 2,466.2953% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 6,112 |
| Noncurrent loans to loans | 0.0909% | 5,853 |
| Net loans and leases to total assets | 54.5457% | 4,346 |
| Net loans and leases to deposits | 70.7342% | 3,507 |
| Net loans and leases to core deposits | 73.4274% | 3,706 |
| Total domestic deposits to total assets | 77.1136% | 5,951 |
| Equity capital to assets | 17.1665% | 380 |
| Core capital (leverage) ratio | 12.0302% | 1,639 |
| Tier 1 risk-based capital ratio | 18.9949% | 1,975 |
| Total risk-based capital ratio | 20.2568% | 1,931 |
| Memoranda: | ||
| Average total assets | $694,802,500 | 980 |
| Average earning assets | $601,895,500 | 1,043 |
| Average equity | $120,775,500 | 601 |
| Average total loans | $396,510,000 | 1,107 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8257% | 4,714 |
| Cost of funding earning assets | 0.4319% | 4,299 |
| Net interest margin | 3.3939% | 4,299 |
| Noninterest income to average assets | 0.8436% | 1,890 |
| Noninterest expense to average assets | 2.2275% | 5,562 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9584% | 2,519 |
| Return on assets (ROA) | 0.9584% | 2,585 |
| Pretax return on assets | 1.5496% | 1,301 |
| Return on Equity (ROE) | 5.7055% | 4,269 |
| Retained earnings to average equity (ytd only) | 4.6857% | 2,821 |
| Net charge-offs to loans | 0.0506% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 54.2800% | 749 |
| Efficiency ratio | 58.6448% | 5,658 |
| Assets per employee ($millions) | 3.9877% | 3,888 |
| Cash dividends to net income (ytd only)* | 17.8731% | 3,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2386% | 1,128 |
| Loan loss allowance to noncurrent loans | 5,273.9645% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 6,268 |
| Noncurrent loans to loans | 0.0424% | 6,111 |
| Net loans and leases to total assets | 57.0803% | 4,183 |
| Net loans and leases to deposits | 74.6407% | 3,167 |
| Net loans and leases to core deposits | 77.4928% | 3,426 |
| Total domestic deposits to total assets | 76.4734% | 6,050 |
| Equity capital to assets | 17.6071% | 343 |
| Core capital (leverage) ratio | 11.6160% | 1,883 |
| Tier 1 risk-based capital ratio | 18.1407% | 2,201 |
| Total risk-based capital ratio | 19.4021% | 2,158 |
| Memoranda: | ||
| Average total assets | $700,549,600 | 945 |
| Average earning assets | $605,531,000 | 1,013 |
| Average equity | $117,676,400 | 606 |
| Average total loans | $394,991,200 | 1,088 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8388% | 4,705 |
| Cost of funding earning assets | 0.4376% | 4,410 |
| Net interest margin | 3.4011% | 4,282 |
| Noninterest income to average assets | 0.8954% | 1,772 |
| Noninterest expense to average assets | 2.2145% | 5,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0015% | 2,369 |
| Return on assets (ROA) | 1.0015% | 2,454 |
| Pretax return on assets | 1.6225% | 1,289 |
| Return on Equity (ROE) | 6.0322% | 4,173 |
| Retained earnings to average equity (ytd only) | 6.0322% | 2,389 |
| Net charge-offs to loans | 0.0467% | 4,242 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 62.1868% | 736 |
| Efficiency ratio | 57.2850% | 5,768 |
| Assets per employee ($millions) | 3.9930% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3019% | 1,180 |
| Loan loss allowance to noncurrent loans | 2,876.6026% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 5,922 |
| Noncurrent loans to loans | 0.0800% | 6,094 |
| Net loans and leases to total assets | 55.1431% | 4,438 |
| Net loans and leases to deposits | 72.1842% | 3,488 |
| Net loans and leases to core deposits | 75.2162% | 3,706 |
| Total domestic deposits to total assets | 76.3922% | 6,127 |
| Equity capital to assets | 17.3512% | 378 |
| Core capital (leverage) ratio | 11.5407% | 2,009 |
| Tier 1 risk-based capital ratio | 18.2041% | 2,245 |
| Total risk-based capital ratio | 19.4657% | 2,205 |
| Memoranda: | ||
| Average total assets | $705,211,750 | 944 |
| Average earning assets | $609,936,250 | 1,010 |
| Average equity | $117,079,750 | 612 |
| Average total loans | $394,203,000 | 1,086 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8437% | 4,676 |
| Cost of funding earning assets | 0.4443% | 4,492 |
| Net interest margin | 3.3994% | 4,184 |
| Noninterest income to average assets | 0.6521% | 2,904 |
| Noninterest expense to average assets | 2.1487% | 5,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8881% | 2,856 |
| Return on assets (ROA) | 0.8881% | 3,011 |
| Pretax return on assets | 1.4456% | 1,779 |
| Return on Equity (ROE) | 5.4290% | 4,505 |
| Retained earnings to average equity (ytd only) | 5.4290% | 2,788 |
| Net charge-offs to loans | 0.0293% | 4,277 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 88.4828% | 515 |
| Efficiency ratio | 59.0987% | 5,592 |
| Assets per employee ($millions) | 3.9732% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2763% | 1,295 |
| Loan loss allowance to noncurrent loans | 5,996.6887% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 6,068 |
| Noncurrent loans to loans | 0.0380% | 6,286 |
| Net loans and leases to total assets | 55.9079% | 4,309 |
| Net loans and leases to deposits | 72.8343% | 3,332 |
| Net loans and leases to core deposits | 76.8324% | 3,453 |
| Total domestic deposits to total assets | 76.7604% | 6,161 |
| Equity capital to assets | 16.9249% | 424 |
| Core capital (leverage) ratio | 10.9933% | 2,361 |
| Tier 1 risk-based capital ratio | 17.0645% | 2,688 |
| Total risk-based capital ratio | 18.3174% | 2,661 |
| Memoranda: | ||
| Average total assets | $710,019,670 | 940 |
| Average earning assets | $614,512,670 | 1,000 |
| Average equity | $116,153,000 | 620 |
| Average total loans | $395,638,330 | 1,080 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8585% | 4,621 |
| Cost of funding earning assets | 0.4453% | 4,641 |
| Net interest margin | 3.4133% | 4,068 |
| Noninterest income to average assets | 0.6390% | 2,936 |
| Noninterest expense to average assets | 2.1266% | 5,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9211% | 2,561 |
| Return on assets (ROA) | 0.9211% | 2,705 |
| Pretax return on assets | 1.4787% | 1,619 |
| Return on Equity (ROE) | 5.7267% | 4,189 |
| Retained earnings to average equity (ytd only) | 5.7267% | 2,826 |
| Net charge-offs to loans | -0.0385% | 6,007 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9802% | 5,857 |
| Assets per employee ($millions) | 4.1341% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3390% | 1,349 |
| Loan loss allowance to noncurrent loans | 4,085.2679% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 6,128 |
| Noncurrent loans to loans | 0.0573% | 6,303 |
| Net loans and leases to total assets | 53.7342% | 4,458 |
| Net loans and leases to deposits | 69.9037% | 3,497 |
| Net loans and leases to core deposits | 73.8361% | 3,597 |
| Total domestic deposits to total assets | 76.8689% | 6,261 |
| Equity capital to assets | 16.3421% | 512 |
| Core capital (leverage) ratio | 10.7405% | 2,507 |
| Tier 1 risk-based capital ratio | 15.5154% | 3,517 |
| Total risk-based capital ratio | 16.7673% | 3,479 |
| Memoranda: | ||
| Average total assets | $717,373,000 | 941 |
| Average earning assets | $623,449,500 | 997 |
| Average equity | $115,389,000 | 630 |
| Average total loans | $394,562,500 | 1,078 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9897% | 5,342 |
| Cost of funding earning assets | 0.5256% | 5,024 |
| Net interest margin | 3.4641% | 4,652 |
| Noninterest income to average assets | 0.7642% | 2,423 |
| Noninterest expense to average assets | 2.1568% | 6,007 |
| Loan and lease loss provision to assets | 0.0415% | 5,340 |
| Net operating income to assets | 0.9565% | 2,514 |
| Return on assets (ROA) | 0.9565% | 2,765 |
| Pretax return on assets | 1.5438% | 1,546 |
| Return on Equity (ROE) | 5.7084% | 4,297 |
| Retained earnings to average equity (ytd only) | -5.8470% | 6,473 |
| Net charge-offs to loans | 0.1220% | 4,463 |
| Credit loss provision to net charge-offs | 61.0998% | 4,417 |
| Earnings coverage of net charge-offs (x) | 23.3462% | 1,223 |
| Efficiency ratio | 56.6672% | 5,986 |
| Assets per employee ($millions) | 4.1119% | 3,714 |
| Cash dividends to net income (ytd only)* | 202.4291% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2903% | 1,389 |
| Loan loss allowance to noncurrent loans | 4,467.1569% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 6,014 |
| Noncurrent loans to loans | 0.0513% | 6,371 |
| Net loans and leases to total assets | 53.7220% | 4,655 |
| Net loans and leases to deposits | 69.3620% | 3,784 |
| Net loans and leases to core deposits | 73.3089% | 3,877 |
| Total domestic deposits to total assets | 77.4516% | 6,176 |
| Equity capital to assets | 15.8322% | 584 |
| Core capital (leverage) ratio | 10.2344% | 3,091 |
| Tier 1 risk-based capital ratio | 16.5211% | 2,874 |
| Total risk-based capital ratio | 17.7766% | 2,849 |
| Memoranda: | ||
| Average total assets | $723,069,000 | 916 |
| Average earning assets | $621,570,600 | 964 |
| Average equity | $121,155,800 | 592 |
| Average total loans | $402,616,800 | 1,035 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 5,413 |
| Cost of funding earning assets | 0.5428% | 5,146 |
| Net interest margin | 3.4944% | 4,669 |
| Noninterest income to average assets | 0.7599% | 2,427 |
| Noninterest expense to average assets | 2.2300% | 5,885 |
| Loan and lease loss provision to assets | 0.0553% | 5,049 |
| Net operating income to assets | 0.9106% | 2,929 |
| Return on assets (ROA) | 0.9106% | 3,161 |
| Pretax return on assets | 1.4703% | 2,003 |
| Return on Equity (ROE) | 5.3603% | 4,661 |
| Retained earnings to average equity (ytd only) | 2.1031% | 5,275 |
| Net charge-offs to loans | 0.1466% | 3,935 |
| Credit loss provision to net charge-offs | 67.5676% | 3,964 |
| Earnings coverage of net charge-offs (x) | 18.6305% | 1,543 |
| Efficiency ratio | 58.4148% | 5,732 |
| Assets per employee ($millions) | 3.9071% | 4,064 |
| Cash dividends to net income (ytd only)* | 60.7657% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2833% | 1,554 |
| Loan loss allowance to noncurrent loans | 1,458.5987% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 6,077 |
| Noncurrent loans to loans | 0.1565% | 6,218 |
| Net loans and leases to total assets | 54.8268% | 4,615 |
| Net loans and leases to deposits | 72.2502% | 3,570 |
| Net loans and leases to core deposits | 76.6999% | 3,645 |
| Total domestic deposits to total assets | 75.8847% | 6,397 |
| Equity capital to assets | 17.2225% | 428 |
| Core capital (leverage) ratio | 11.4938% | 1,992 |
| Tier 1 risk-based capital ratio | 18.4257% | 2,189 |
| Total risk-based capital ratio | 19.6881% | 2,154 |
| Memoranda: | ||
| Average total assets | $722,914,000 | 923 |
| Average earning assets | $619,757,750 | 976 |
| Average equity | $122,800,750 | 586 |
| Average total loans | $403,797,750 | 1,041 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0668% | 5,432 |
| Cost of funding earning assets | 0.5593% | 5,236 |
| Net interest margin | 3.5075% | 4,636 |
| Noninterest income to average assets | 0.7917% | 2,226 |
| Noninterest expense to average assets | 2.2173% | 5,954 |
| Loan and lease loss provision to assets | 0.0827% | 4,563 |
| Net operating income to assets | 0.9226% | 2,796 |
| Return on assets (ROA) | 0.9226% | 3,057 |
| Pretax return on assets | 1.4927% | 1,872 |
| Return on Equity (ROE) | 5.4561% | 4,607 |
| Retained earnings to average equity (ytd only) | 3.8260% | 4,068 |
| Net charge-offs to loans | 0.1087% | 4,096 |
| Credit loss provision to net charge-offs | 136.3636% | 2,014 |
| Earnings coverage of net charge-offs (x) | 25.9773% | 1,182 |
| Efficiency ratio | 57.5114% | 5,930 |
| Assets per employee ($millions) | 4.0122% | 3,846 |
| Cash dividends to net income (ytd only)* | 29.8775% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3370% | 1,519 |
| Loan loss allowance to noncurrent loans | 926.3574% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 6,056 |
| Noncurrent loans to loans | 0.2523% | 6,073 |
| Net loans and leases to total assets | 54.0005% | 4,802 |
| Net loans and leases to deposits | 70.9502% | 3,772 |
| Net loans and leases to core deposits | 74.9718% | 3,889 |
| Total domestic deposits to total assets | 76.1104% | 6,440 |
| Equity capital to assets | 17.0092% | 445 |
| Core capital (leverage) ratio | 11.4054% | 1,968 |
| Tier 1 risk-based capital ratio | 18.2781% | 2,204 |
| Total risk-based capital ratio | 19.5324% | 2,169 |
| Memoranda: | ||
| Average total assets | $725,554,330 | 920 |
| Average earning assets | $620,778,000 | 971 |
| Average equity | $122,687,670 | 586 |
| Average total loans | $404,674,330 | 1,039 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1192% | 5,388 |
| Cost of funding earning assets | 0.5814% | 5,276 |
| Net interest margin | 3.5377% | 4,533 |
| Noninterest income to average assets | 0.8792% | 1,833 |
| Noninterest expense to average assets | 2.2713% | 5,851 |
| Loan and lease loss provision to assets | 0.0827% | 4,351 |
| Net operating income to assets | 0.9575% | 2,651 |
| Return on assets (ROA) | 0.9575% | 2,858 |
| Pretax return on assets | 1.5454% | 1,753 |
| Return on Equity (ROE) | 5.6792% | 4,462 |
| Retained earnings to average equity (ytd only) | 5.6792% | 3,153 |
| Net charge-offs to loans | 0.0551% | 3,944 |
| Credit loss provision to net charge-offs | 267.8571% | 1,084 |
| Earnings coverage of net charge-offs (x) | 52.7143% | 614 |
| Efficiency ratio | 57.3267% | 6,001 |
| Assets per employee ($millions) | 3.7910% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3201% | 1,638 |
| Loan loss allowance to noncurrent loans | 1,289.1632% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 6,313 |
| Noncurrent loans to loans | 0.1800% | 6,325 |
| Net loans and leases to total assets | 54.0784% | 4,707 |
| Net loans and leases to deposits | 71.1024% | 3,572 |
| Net loans and leases to core deposits | 75.5878% | 3,677 |
| Total domestic deposits to total assets | 76.0571% | 6,537 |
| Equity capital to assets | 16.7966% | 459 |
| Core capital (leverage) ratio | 11.3920% | 1,970 |
| Tier 1 risk-based capital ratio | 18.3080% | 2,202 |
| Total risk-based capital ratio | 19.5701% | 2,168 |
| Memoranda: | ||
| Average total assets | $725,230,000 | 922 |
| Average earning assets | $619,153,500 | 970 |
| Average equity | $122,271,000 | 587 |
| Average total loans | $406,243,000 | 1,039 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3193% | 5,704 |
| Cost of funding earning assets | 0.7039% | 5,512 |
| Net interest margin | 3.6154% | 4,670 |
| Noninterest income to average assets | 0.7116% | 2,540 |
| Noninterest expense to average assets | 2.1931% | 6,285 |
| Loan and lease loss provision to assets | 0.0814% | 5,594 |
| Net operating income to assets | 0.9488% | 2,417 |
| Return on assets (ROA) | 0.9488% | 2,541 |
| Pretax return on assets | 1.5300% | 1,395 |
| Return on Equity (ROE) | 5.6931% | 4,029 |
| Retained earnings to average equity (ytd only) | 0.8070% | 5,481 |
| Net charge-offs to loans | 0.1690% | 4,802 |
| Credit loss provision to net charge-offs | 84.6262% | 4,257 |
| Earnings coverage of net charge-offs (x) | 16.7461% | 1,305 |
| Efficiency ratio | 56.7138% | 6,227 |
| Assets per employee ($millions) | 3.3433% | 5,394 |
| Cash dividends to net income (ytd only)* | 85.8246% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2836% | 1,648 |
| Loan loss allowance to noncurrent loans | 678.6287% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.4413% | 5,860 |
| Noncurrent loans to loans | 0.3365% | 6,058 |
| Net loans and leases to total assets | 55.3859% | 4,814 |
| Net loans and leases to deposits | 72.6832% | 3,709 |
| Net loans and leases to core deposits | 77.3269% | 3,773 |
| Total domestic deposits to total assets | 76.2018% | 6,455 |
| Equity capital to assets | 16.9237% | 453 |
| Core capital (leverage) ratio | 10.9678% | 2,295 |
| Tier 1 risk-based capital ratio | 17.6771% | 2,310 |
| Total risk-based capital ratio | 18.9387% | 2,275 |
| Memoranda: | ||
| Average total assets | $736,795,200 | 890 |
| Average earning assets | $630,336,600 | 939 |
| Average equity | $122,796,800 | 567 |
| Average total loans | $419,612,800 | 1,001 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 5,828 |
| Cost of funding earning assets | 0.7282% | 5,608 |
| Net interest margin | 3.6081% | 4,736 |
| Noninterest income to average assets | 0.6943% | 2,639 |
| Noninterest expense to average assets | 2.2733% | 6,110 |
| Loan and lease loss provision to assets | 0.0809% | 5,431 |
| Net operating income to assets | 0.8846% | 2,802 |
| Return on assets (ROA) | 0.8846% | 2,956 |
| Pretax return on assets | 1.4263% | 1,860 |
| Return on Equity (ROE) | 5.3274% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.3274% | 2,969 |
| Net charge-offs to loans | 0.1464% | 4,604 |
| Credit loss provision to net charge-offs | 96.9828% | 3,532 |
| Earnings coverage of net charge-offs (x) | 18.0604% | 1,322 |
| Efficiency ratio | 59.1988% | 5,833 |
| Assets per employee ($millions) | 3.4831% | 5,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2926% | 1,700 |
| Loan loss allowance to noncurrent loans | 264.9845% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 5,311 |
| Noncurrent loans to loans | 0.8652% | 5,133 |
| Net loans and leases to total assets | 54.7632% | 5,039 |
| Net loans and leases to deposits | 72.4069% | 3,916 |
| Net loans and leases to core deposits | 77.2806% | 4,007 |
| Total domestic deposits to total assets | 75.6325% | 6,574 |
| Equity capital to assets | 17.1798% | 467 |
| Core capital (leverage) ratio | 11.4684% | 2,043 |
| Tier 1 risk-based capital ratio | 17.7917% | 2,334 |
| Total risk-based capital ratio | 19.0522% | 2,302 |
| Memoranda: | ||
| Average total assets | $741,293,500 | 894 |
| Average earning assets | $634,067,750 | 944 |
| Average equity | $123,084,000 | 567 |
| Average total loans | $422,661,250 | 995 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3862% | 5,746 |
| Cost of funding earning assets | 0.7496% | 5,669 |
| Net interest margin | 3.6367% | 4,574 |
| Noninterest income to average assets | 0.6708% | 2,709 |
| Noninterest expense to average assets | 2.2736% | 6,189 |
| Loan and lease loss provision to assets | 0.0904% | 5,185 |
| Net operating income to assets | 0.8592% | 2,822 |
| Return on assets (ROA) | 0.8592% | 2,917 |
| Pretax return on assets | 1.3943% | 1,808 |
| Return on Equity (ROE) | 5.1168% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.1168% | 2,931 |
| Net charge-offs to loans | 0.0703% | 4,935 |
| Credit loss provision to net charge-offs | 218.9781% | 1,364 |
| Earnings coverage of net charge-offs (x) | 35.9489% | 806 |
| Efficiency ratio | 59.4449% | 5,952 |
| Assets per employee ($millions) | 3.3635% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2975% | 1,747 |
| Loan loss allowance to noncurrent loans | 331.2215% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 5,805 |
| Noncurrent loans to loans | 0.6937% | 5,522 |
| Net loans and leases to total assets | 55.7510% | 5,031 |
| Net loans and leases to deposits | 74.4705% | 3,720 |
| Net loans and leases to core deposits | 79.0322% | 3,928 |
| Total domestic deposits to total assets | 74.8632% | 6,744 |
| Equity capital to assets | 16.9552% | 487 |
| Core capital (leverage) ratio | 10.9714% | 2,277 |
| Tier 1 risk-based capital ratio | 17.0563% | 2,496 |
| Total risk-based capital ratio | 18.3182% | 2,466 |
| Memoranda: | ||
| Average total assets | $663,428,000 | 992 |
| Average earning assets | $563,264,330 | 1,073 |
| Average equity | $111,397,670 | 625 |
| Average total loans | $389,498,000 | 1,117 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3252% | 5,932 |
| Cost of funding earning assets | 0.7413% | 5,917 |
| Net interest margin | 3.5839% | 4,646 |
| Noninterest income to average assets | 0.6893% | 2,634 |
| Noninterest expense to average assets | 2.2985% | 6,189 |
| Loan and lease loss provision to assets | 0.0906% | 4,880 |
| Net operating income to assets | 0.8348% | 2,857 |
| Return on assets (ROA) | 0.8348% | 2,918 |
| Pretax return on assets | 1.3489% | 1,887 |
| Return on Equity (ROE) | 4.9965% | 4,410 |
| Retained earnings to average equity (ytd only) | 4.9965% | 3,202 |
| Net charge-offs to loans | 0.0355% | 4,602 |
| Credit loss provision to net charge-offs | 428.5714% | 804 |
| Earnings coverage of net charge-offs (x) | 68.0857% | 445 |
| Efficiency ratio | 60.4234% | 5,919 |
| Assets per employee ($millions) | 3.3214% | 5,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2094% | 1,942 |
| Loan loss allowance to noncurrent loans | 325.4873% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 5,896 |
| Noncurrent loans to loans | 0.6788% | 5,669 |
| Net loans and leases to total assets | 57.2895% | 4,750 |
| Net loans and leases to deposits | 74.8149% | 3,629 |
| Net loans and leases to core deposits | 82.1645% | 3,432 |
| Total domestic deposits to total assets | 76.5750% | 6,595 |
| Equity capital to assets | 16.5999% | 491 |
| Core capital (leverage) ratio | 11.0570% | 2,145 |
| Tier 1 risk-based capital ratio | 16.3242% | 2,740 |
| Total risk-based capital ratio | 17.5783% | 2,706 |
| Memoranda: | ||
| Average total assets | $662,158,500 | 1,005 |
| Average earning assets | $563,298,000 | 1,085 |
| Average equity | $110,638,500 | 624 |
| Average total loans | $394,240,000 | 1,113 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8453% | 5,251 |
| Cost of funding earning assets | 0.9625% | 5,877 |
| Net interest margin | 3.8828% | 3,570 |
| Noninterest income to average assets | 0.7187% | 2,721 |
| Noninterest expense to average assets | 2.3650% | 6,180 |
| Loan and lease loss provision to assets | 0.2092% | 5,160 |
| Net operating income to assets | 0.8967% | 2,401 |
| Return on assets (ROA) | 0.8967% | 2,536 |
| Pretax return on assets | 1.4352% | 1,547 |
| Return on Equity (ROE) | 5.4398% | 3,873 |
| Retained earnings to average equity (ytd only) | 1.8139% | 4,596 |
| Net charge-offs to loans | 0.2422% | 4,832 |
| Credit loss provision to net charge-offs | 139.7206% | 2,713 |
| Earnings coverage of net charge-offs (x) | 10.9830% | 1,650 |
| Efficiency ratio | 58.0091% | 6,333 |
| Assets per employee ($millions) | 3.1873% | 5,701 |
| Cash dividends to net income (ytd only)* | 66.6556% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1670% | 1,929 |
| Loan loss allowance to noncurrent loans | 1,162.6866% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.2934% | 6,511 |
| Noncurrent loans to loans | 0.1864% | 6,697 |
| Net loans and leases to total assets | 59.2075% | 4,803 |
| Net loans and leases to deposits | 77.8121% | 3,539 |
| Net loans and leases to core deposits | 83.7481% | 3,633 |
| Total domestic deposits to total assets | 76.0903% | 6,626 |
| Equity capital to assets | 16.8206% | 471 |
| Core capital (leverage) ratio | 10.7764% | 2,324 |
| Tier 1 risk-based capital ratio | 16.9847% | 2,351 |
| Total risk-based capital ratio | 18.2487% | 2,313 |
| Memoranda: | ||
| Average total assets | $669,226,600 | 992 |
| Average earning assets | $567,169,400 | 1,068 |
| Average equity | $110,316,200 | 607 |
| Average total loans | $413,695,800 | 1,085 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8961% | 5,283 |
| Cost of funding earning assets | 1.0009% | 5,936 |
| Net interest margin | 3.8952% | 3,551 |
| Noninterest income to average assets | 0.7211% | 2,698 |
| Noninterest expense to average assets | 2.3290% | 6,233 |
| Loan and lease loss provision to assets | 0.2476% | 4,611 |
| Net operating income to assets | 0.9020% | 2,600 |
| Return on assets (ROA) | 0.9020% | 2,750 |
| Pretax return on assets | 1.4437% | 1,766 |
| Return on Equity (ROE) | 5.4989% | 4,041 |
| Retained earnings to average equity (ytd only) | 5.4989% | 2,649 |
| Net charge-offs to loans | 0.3105% | 4,096 |
| Credit loss provision to net charge-offs | 128.3368% | 3,164 |
| Earnings coverage of net charge-offs (x) | 8.7670% | 2,113 |
| Efficiency ratio | 56.9662% | 6,417 |
| Assets per employee ($millions) | 3.2092% | 5,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1268% | 1,933 |
| Loan loss allowance to noncurrent loans | 2,199.4792% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 6,772 |
| Noncurrent loans to loans | 0.0967% | 6,991 |
| Net loans and leases to total assets | 59.0798% | 5,089 |
| Net loans and leases to deposits | 78.1792% | 3,796 |
| Net loans and leases to core deposits | 84.7682% | 3,838 |
| Total domestic deposits to total assets | 75.5697% | 6,724 |
| Equity capital to assets | 17.1154% | 505 |
| Core capital (leverage) ratio | 11.0616% | 2,217 |
| Tier 1 risk-based capital ratio | 16.5414% | 2,544 |
| Total risk-based capital ratio | 17.8021% | 2,495 |
| Memoranda: | ||
| Average total assets | $673,184,000 | 993 |
| Average earning assets | $570,152,500 | 1,067 |
| Average equity | $110,419,000 | 599 |
| Average total loans | $418,262,500 | 1,077 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9073% | 5,355 |
| Cost of funding earning assets | 1.0286% | 6,007 |
| Net interest margin | 3.8787% | 3,545 |
| Noninterest income to average assets | 0.7310% | 2,511 |
| Noninterest expense to average assets | 2.3108% | 6,324 |
| Loan and lease loss provision to assets | 0.3243% | 3,801 |
| Net operating income to assets | 0.8634% | 2,679 |
| Return on assets (ROA) | 0.8634% | 2,815 |
| Pretax return on assets | 1.3826% | 1,879 |
| Return on Equity (ROE) | 5.3386% | 4,116 |
| Retained earnings to average equity (ytd only) | 5.3386% | 2,704 |
| Net charge-offs to loans | 0.3677% | 3,515 |
| Credit loss provision to net charge-offs | 140.6650% | 2,844 |
| Earnings coverage of net charge-offs (x) | 7.4028% | 2,302 |
| Efficiency ratio | 56.5536% | 6,568 |
| Assets per employee ($millions) | 3.0982% | 5,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0503% | 2,068 |
| Loan loss allowance to noncurrent loans | 328.6101% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.5445% | 6,110 |
| Noncurrent loans to loans | 0.6239% | 5,998 |
| Net loans and leases to total assets | 60.5946% | 4,948 |
| Net loans and leases to deposits | 79.8372% | 3,624 |
| Net loans and leases to core deposits | 87.0440% | 3,688 |
| Total domestic deposits to total assets | 75.8977% | 6,716 |
| Equity capital to assets | 16.5994% | 584 |
| Core capital (leverage) ratio | 10.6132% | 2,531 |
| Tier 1 risk-based capital ratio | 15.5184% | 2,885 |
| Total risk-based capital ratio | 16.7771% | 2,850 |
| Memoranda: | ||
| Average total assets | $678,282,670 | 990 |
| Average earning assets | $574,775,000 | 1,066 |
| Average equity | $109,692,000 | 600 |
| Average total loans | $425,308,330 | 1,070 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9070% | 5,438 |
| Cost of funding earning assets | 1.0551% | 6,114 |
| Net interest margin | 3.8519% | 3,557 |
| Noninterest income to average assets | 0.7071% | 2,550 |
| Noninterest expense to average assets | 2.3134% | 6,343 |
| Loan and lease loss provision to assets | 0.3222% | 3,484 |
| Net operating income to assets | 0.8324% | 2,828 |
| Return on assets (ROA) | 0.8324% | 2,922 |
| Pretax return on assets | 1.3286% | 1,972 |
| Return on Equity (ROE) | 5.2149% | 4,252 |
| Retained earnings to average equity (ytd only) | 5.2149% | 3,036 |
| Net charge-offs to loans | 0.3462% | 3,024 |
| Credit loss provision to net charge-offs | 147.4531% | 2,413 |
| Earnings coverage of net charge-offs (x) | 7.5550% | 2,070 |
| Efficiency ratio | 57.3962% | 6,577 |
| Assets per employee ($millions) | 3.1356% | 5,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9530% | 2,300 |
| Loan loss allowance to noncurrent loans | 327.4617% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.4362% | 6,378 |
| Noncurrent loans to loans | 0.5964% | 6,114 |
| Net loans and leases to total assets | 62.4499% | 4,669 |
| Net loans and leases to deposits | 82.2899% | 3,237 |
| Net loans and leases to core deposits | 90.1394% | 3,348 |
| Total domestic deposits to total assets | 75.8901% | 6,777 |
| Equity capital to assets | 16.3391% | 624 |
| Core capital (leverage) ratio | 10.3516% | 2,764 |
| Tier 1 risk-based capital ratio | 14.7873% | 3,212 |
| Total risk-based capital ratio | 16.0472% | 3,168 |
| Memoranda: | ||
| Average total assets | $682,818,500 | 1,007 |
| Average earning assets | $577,380,000 | 1,089 |
| Average equity | $108,995,500 | 606 |
| Average total loans | $430,965,500 | 1,088 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1615% | 5,824 |
| Cost of funding earning assets | 1.3498% | 6,143 |
| Net interest margin | 3.8117% | 3,652 |
| Noninterest income to average assets | 0.7200% | 2,849 |
| Noninterest expense to average assets | 2.3151% | 6,710 |
| Loan and lease loss provision to assets | 0.2581% | 5,333 |
| Net operating income to assets | 0.8797% | 2,243 |
| Return on assets (ROA) | 0.8797% | 2,309 |
| Pretax return on assets | 1.3977% | 1,444 |
| Return on Equity (ROE) | 5.2004% | 3,580 |
| Retained earnings to average equity (ytd only) | -12.5976% | 6,729 |
| Net charge-offs to loans | 0.0799% | 6,312 |
| Credit loss provision to net charge-offs | 511.3636% | 604 |
| Earnings coverage of net charge-offs (x) | 32.8097% | 707 |
| Efficiency ratio | 57.3420% | 6,857 |
| Assets per employee ($millions) | 3.2010% | 5,719 |
| Cash dividends to net income (ytd only)* | 342.2425% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8802% | 2,312 |
| Loan loss allowance to noncurrent loans | 491.2808% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.3635% | 6,541 |
| Noncurrent loans to loans | 0.3827% | 6,511 |
| Net loans and leases to total assets | 61.3810% | 5,128 |
| Net loans and leases to deposits | 79.9266% | 4,010 |
| Net loans and leases to core deposits | 97.0942% | 4,339 |
| Total domestic deposits to total assets | 76.7967% | 6,531 |
| Equity capital to assets | 15.5988% | 767 |
| Core capital (leverage) ratio | 9.6307% | 3,547 |
| Tier 1 risk-based capital ratio | 14.1257% | 3,422 |
| Total risk-based capital ratio | 15.3817% | 3,376 |
| Memoranda: | ||
| Average total assets | $697,502,200 | 986 |
| Average earning assets | $594,882,600 | 1,055 |
| Average equity | $117,990,400 | 559 |
| Average total loans | $440,352,600 | 1,093 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2056% | 5,852 |
| Cost of funding earning assets | 1.4003% | 6,228 |
| Net interest margin | 3.8053% | 3,632 |
| Noninterest income to average assets | 0.7170% | 2,905 |
| Noninterest expense to average assets | 2.3140% | 6,661 |
| Loan and lease loss provision to assets | 0.2578% | 4,893 |
| Net operating income to assets | 0.8824% | 2,486 |
| Return on assets (ROA) | 0.8824% | 2,562 |
| Pretax return on assets | 1.3993% | 1,697 |
| Return on Equity (ROE) | 5.1173% | 3,916 |
| Retained earnings to average equity (ytd only) | -5.9567% | 6,381 |
| Net charge-offs to loans | 0.0519% | 6,191 |
| Credit loss provision to net charge-offs | 784.8837% | 488 |
| Earnings coverage of net charge-offs (x) | 50.4530% | 627 |
| Efficiency ratio | 57.3043% | 6,826 |
| Assets per employee ($millions) | 3.2556% | 5,502 |
| Cash dividends to net income (ytd only)* | 216.4034% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8102% | 2,244 |
| Loan loss allowance to noncurrent loans | 632.5060% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 6,835 |
| Noncurrent loans to loans | 0.2862% | 6,797 |
| Net loans and leases to total assets | 60.1023% | 5,568 |
| Net loans and leases to deposits | 79.2559% | 4,520 |
| Net loans and leases to core deposits | 96.9073% | 4,716 |
| Total domestic deposits to total assets | 75.8333% | 6,611 |
| Equity capital to assets | 16.5436% | 703 |
| Core capital (leverage) ratio | 10.8955% | 2,482 |
| Tier 1 risk-based capital ratio | 16.1424% | 2,583 |
| Total risk-based capital ratio | 17.4004% | 2,512 |
| Memoranda: | ||
| Average total assets | $698,222,250 | 994 |
| Average earning assets | $597,080,500 | 1,066 |
| Average equity | $120,399,750 | 559 |
| Average total loans | $441,806,750 | 1,106 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3141% | 5,591 |
| Cost of funding earning assets | 1.4562% | 6,305 |
| Net interest margin | 3.8578% | 3,306 |
| Noninterest income to average assets | 0.7125% | 2,912 |
| Noninterest expense to average assets | 2.3522% | 6,619 |
| Loan and lease loss provision to assets | 0.2596% | 4,503 |
| Net operating income to assets | 0.8824% | 2,524 |
| Return on assets (ROA) | 0.8824% | 2,629 |
| Pretax return on assets | 1.3945% | 1,745 |
| Return on Equity (ROE) | 5.0472% | 4,055 |
| Retained earnings to average equity (ytd only) | -11.4523% | 7,005 |
| Net charge-offs to loans | 0.0622% | 5,625 |
| Credit loss provision to net charge-offs | 652.1739% | 711 |
| Earnings coverage of net charge-offs (x) | 41.5507% | 789 |
| Efficiency ratio | 57.7405% | 6,902 |
| Assets per employee ($millions) | 3.1190% | 5,813 |
| Cash dividends to net income (ytd only)* | 326.9042% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7104% | 2,302 |
| Loan loss allowance to noncurrent loans | 1,428.2443% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 7,297 |
| Noncurrent loans to loans | 0.1198% | 7,216 |
| Net loans and leases to total assets | 61.0112% | 5,519 |
| Net loans and leases to deposits | 80.7782% | 4,426 |
| Net loans and leases to core deposits | 100.0293% | 4,508 |
| Total domestic deposits to total assets | 75.5294% | 6,656 |
| Equity capital to assets | 16.4988% | 749 |
| Core capital (leverage) ratio | 10.9161% | 2,474 |
| Tier 1 risk-based capital ratio | 15.8287% | 2,682 |
| Total risk-based capital ratio | 17.0836% | 2,621 |
| Memoranda: | ||
| Average total assets | $693,301,670 | 1,014 |
| Average earning assets | $591,938,670 | 1,094 |
| Average equity | $121,215,330 | 567 |
| Average total loans | $443,602,330 | 1,127 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4288% | 5,276 |
| Cost of funding earning assets | 1.5423% | 6,269 |
| Net interest margin | 3.8864% | 3,094 |
| Noninterest income to average assets | 0.6959% | 2,914 |
| Noninterest expense to average assets | 2.4483% | 6,033 |
| Loan and lease loss provision to assets | 0.2618% | 3,864 |
| Net operating income to assets | 0.8314% | 2,985 |
| Return on assets (ROA) | 0.8314% | 3,134 |
| Pretax return on assets | 1.3137% | 2,235 |
| Return on Equity (ROE) | 4.6219% | 4,647 |
| Retained earnings to average equity (ytd only) | 4.6219% | 3,351 |
| Net charge-offs to loans | 0.0788% | 4,386 |
| Credit loss provision to net charge-offs | 511.3636% | 1,059 |
| Earnings coverage of net charge-offs (x) | 30.7727% | 1,032 |
| Efficiency ratio | 59.8323% | 6,432 |
| Assets per employee ($millions) | 3.0500% | 6,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5958% | 2,536 |
| Loan loss allowance to noncurrent loans | 1,131.6294% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 7,145 |
| Noncurrent loans to loans | 0.1410% | 7,118 |
| Net loans and leases to total assets | 62.8189% | 5,187 |
| Net loans and leases to deposits | 84.4744% | 3,901 |
| Net loans and leases to core deposits | 107.1027% | 3,784 |
| Total domestic deposits to total assets | 74.3645% | 6,827 |
| Equity capital to assets | 17.8563% | 621 |
| Core capital (leverage) ratio | 12.4852% | 1,692 |
| Tier 1 risk-based capital ratio | 17.4850% | 2,192 |
| Total risk-based capital ratio | 18.7322% | 2,136 |
| Memoranda: | ||
| Average total assets | $687,503,500 | 1,028 |
| Average earning assets | $588,713,000 | 1,109 |
| Average equity | $123,673,000 | 554 |
| Average total loans | $446,628,000 | 1,130 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1981% | 4,527 |
| Cost of funding earning assets | 2.0998% | 6,052 |
| Net interest margin | 4.0983% | 2,719 |
| Noninterest income to average assets | 0.7395% | 2,847 |
| Noninterest expense to average assets | 2.3645% | 6,525 |
| Loan and lease loss provision to assets | 0.1032% | 6,058 |
| Net operating income to assets | 1.1400% | 1,985 |
| Return on assets (ROA) | 1.1400% | 1,907 |
| Pretax return on assets | 1.7861% | 974 |
| Return on Equity (ROE) | 6.8091% | 3,619 |
| Retained earnings to average equity (ytd only) | 6.8091% | 1,219 |
| Net charge-offs to loans | 0.0433% | 6,166 |
| Credit loss provision to net charge-offs | 389.3617% | 1,138 |
| Earnings coverage of net charge-offs (x) | 71.2553% | 569 |
| Efficiency ratio | 54.5406% | 7,211 |
| Assets per employee ($millions) | 2.8555% | 6,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 2,718 |
| Loan loss allowance to noncurrent loans | 391.7249% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 6,236 |
| Noncurrent loans to loans | 0.3819% | 6,200 |
| Net loans and leases to total assets | 65.1269% | 5,026 |
| Net loans and leases to deposits | 88.5689% | 3,714 |
| Net loans and leases to core deposits | 113.5481% | 3,392 |
| Total domestic deposits to total assets | 73.5326% | 6,733 |
| Equity capital to assets | 18.1242% | 633 |
| Core capital (leverage) ratio | 11.9569% | 1,986 |
| Tier 1 risk-based capital ratio | 18.0458% | 2,030 |
| Total risk-based capital ratio | 19.3017% | 1,979 |
| Memoranda: | ||
| Average total assets | $709,036,400 | 943 |
| Average earning assets | $608,011,000 | 999 |
| Average equity | $118,709,400 | 575 |
| Average total loans | $433,768,400 | 1,104 |