Home > Central Bank > Performance and Condition Ratios
Central Bank, Performance and Condition Ratios
| 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 | 4.5596% | 1,360 |
| Cost of funding earning assets | 0.4466% | 2,620 |
| Net interest margin | 4.1130% | 1,303 |
| Noninterest income to average assets | 1.2703% | 675 |
| Noninterest expense to average assets | 2.6982% | 3,424 |
| Loan and lease loss provision to assets | 0.3320% | 456 |
| Net operating income to assets | 1.2567% | 1,392 |
| Return on assets (ROA) | 1.2567% | 1,484 |
| Pretax return on assets | 1.8979% | 693 |
| Return on Equity (ROE) | 9.5830% | 2,165 |
| Retained earnings to average equity (ytd only) | 9.5830% | 958 |
| Net charge-offs to loans | 0.1393% | 1,276 |
| Credit loss provision to net charge-offs | 312.8571% | 823 |
| Earnings coverage of net charge-offs (x) | 21.0143% | 1,442 |
| Efficiency ratio | 52.3839% | 5,489 |
| Assets per employee ($millions) | 3.7556% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1126% | 6,057 |
| Loan loss allowance to noncurrent loans | 29.7650% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 0.3522% | 4,157 |
| Noncurrent loans to loans | 0.3781% | 4,084 |
| Net loans and leases to total assets | 76.9680% | 1,254 |
| Net loans and leases to deposits | 95.3158% | 1,007 |
| Net loans and leases to core deposits | 102.9605% | 1,268 |
| Total domestic deposits to total assets | 80.7506% | 4,566 |
| Equity capital to assets | 13.3455% | 1,244 |
| Core capital (leverage) ratio | 10.3261% | 3,160 |
| Tier 1 risk-based capital ratio | 11.4170% | 5,272 |
| Total risk-based capital ratio | 11.5157% | 5,768 |
| Memoranda: | ||
| Average total assets | $263,876,000 | 2,439 |
| Average earning assets | $234,670,000 | 2,510 |
| Average equity | $34,603,000 | 2,110 |
| Average total loans | $200,965,500 | 2,126 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9433% | 6,146 |
| Cost of funding earning assets | 0.0931% | 5,991 |
| Net interest margin | 0.8502% | 6,145 |
| Noninterest income to average assets | 0.2565% | 5,061 |
| Noninterest expense to average assets | 0.9428% | 6,130 |
| Loan and lease loss provision to assets | 0.0559% | 3,191 |
| Net operating income to assets | 0.0413% | 5,825 |
| Return on assets (ROA) | 0.0433% | 5,858 |
| Pretax return on assets | 0.0390% | 5,859 |
| Return on Equity (ROE) | 0.3695% | 5,857 |
| Retained earnings to average equity (ytd only) | -15.9800% | 6,096 |
| Net charge-offs to loans | 0.0338% | 3,530 |
| Credit loss provision to net charge-offs | 217.9104% | 1,302 |
| Earnings coverage of net charge-offs (x) | 3.6269% | 3,691 |
| Efficiency ratio | 89.1353% | 748 |
| Assets per employee ($millions) | 3.5315% | 4,772 |
| Cash dividends to net income (ytd only)* | 4,424.7788% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0396% | 6,117 |
| Loan loss allowance to noncurrent loans | 10.6469% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 4,285 |
| Noncurrent loans to loans | 0.3722% | 4,113 |
| Net loans and leases to total assets | 75.2402% | 1,532 |
| Net loans and leases to deposits | 96.1461% | 988 |
| Net loans and leases to core deposits | 103.6281% | 1,247 |
| Total domestic deposits to total assets | 78.2561% | 5,111 |
| Equity capital to assets | 12.8830% | 1,410 |
| Core capital (leverage) ratio | 10.1271% | 3,356 |
| Tier 1 risk-based capital ratio | 11.2292% | 5,409 |
| Total risk-based capital ratio | 11.2634% | 5,897 |
| Memoranda: | ||
| Average total assets | $261,229,400 | 2,415 |
| Average earning assets | $239,479,800 | 2,434 |
| Average equity | $30,582,000 | 2,278 |
| Average total loans | $198,022,000 | 2,092 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4587% | 1,729 |
| Cost of funding earning assets | 0.4358% | 2,841 |
| Net interest margin | 4.0229% | 1,631 |
| Noninterest income to average assets | 0.8236% | 1,712 |
| Noninterest expense to average assets | 2.9122% | 2,806 |
| Loan and lease loss provision to assets | 0.0271% | 3,717 |
| Net operating income to assets | 1.6005% | 768 |
| Return on assets (ROA) | 1.6077% | 783 |
| Pretax return on assets | 1.6077% | 1,360 |
| Return on Equity (ROE) | 14.0931% | 880 |
| Retained earnings to average equity (ytd only) | 2.8106% | 4,433 |
| Net charge-offs to loans | 0.0486% | 2,921 |
| Credit loss provision to net charge-offs | 73.6111% | 2,708 |
| Earnings coverage of net charge-offs (x) | 44.1378% | 1,146 |
| Efficiency ratio | 64.1471% | 4,221 |
| Assets per employee ($millions) | 3.4640% | 4,865 |
| Cash dividends to net income (ytd only)* | 80.0572% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 3,819 |
| Loan loss allowance to noncurrent loans | 376.8489% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.2536% | 4,751 |
| Noncurrent loans to loans | 0.3103% | 4,491 |
| Net loans and leases to total assets | 77.2883% | 1,208 |
| Net loans and leases to deposits | 92.5391% | 1,355 |
| Net loans and leases to core deposits | 99.4843% | 1,560 |
| Total domestic deposits to total assets | 83.5196% | 3,608 |
| Equity capital to assets | 11.7436% | 2,312 |
| Core capital (leverage) ratio | 11.6943% | 1,891 |
| Tier 1 risk-based capital ratio | 13.5834% | 4,091 |
| Total risk-based capital ratio | 14.6367% | 4,125 |
| Memoranda: | ||
| Average total assets | $260,321,500 | 2,441 |
| Average earning assets | $240,482,500 | 2,435 |
| Average equity | $29,697,000 | 2,353 |
| Average total loans | $197,687,250 | 2,097 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4062% | 1,836 |
| Cost of funding earning assets | 0.4327% | 2,914 |
| Net interest margin | 3.9736% | 1,723 |
| Noninterest income to average assets | 0.7705% | 1,915 |
| Noninterest expense to average assets | 2.7808% | 3,312 |
| Loan and lease loss provision to assets | 0.0405% | 3,306 |
| Net operating income to assets | 1.6182% | 719 |
| Return on assets (ROA) | 1.6289% | 737 |
| Pretax return on assets | 1.6312% | 1,250 |
| Return on Equity (ROE) | 14.4173% | 832 |
| Retained earnings to average equity (ytd only) | 2.7130% | 4,335 |
| Net charge-offs to loans | 0.0193% | 3,305 |
| Credit loss provision to net charge-offs | 278.9474% | 971 |
| Earnings coverage of net charge-offs (x) | 114.3684% | 545 |
| Efficiency ratio | 62.6054% | 4,572 |
| Assets per employee ($millions) | 3.2542% | 5,238 |
| Cash dividends to net income (ytd only)* | 81.1825% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 3,761 |
| Loan loss allowance to noncurrent loans | 501.4644% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 5,133 |
| Noncurrent loans to loans | 0.2404% | 4,796 |
| Net loans and leases to total assets | 75.4684% | 1,443 |
| Net loans and leases to deposits | 87.9727% | 1,840 |
| Net loans and leases to core deposits | 93.2694% | 2,029 |
| Total domestic deposits to total assets | 85.7862% | 2,803 |
| Equity capital to assets | 11.3840% | 2,507 |
| Core capital (leverage) ratio | 11.3468% | 2,123 |
| Tier 1 risk-based capital ratio | 13.6124% | 4,153 |
| Total risk-based capital ratio | 14.6999% | 4,179 |
| Memoranda: | ||
| Average total assets | $261,650,330 | 2,443 |
| Average earning assets | $241,747,670 | 2,445 |
| Average equity | $29,561,670 | 2,371 |
| Average total loans | $196,762,670 | 2,112 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 1,911 |
| Cost of funding earning assets | 0.4304% | 2,972 |
| Net interest margin | 3.9284% | 1,794 |
| Noninterest income to average assets | 0.7564% | 1,879 |
| Noninterest expense to average assets | 2.8166% | 3,193 |
| Loan and lease loss provision to assets | 0.0808% | 2,352 |
| Net operating income to assets | 1.4883% | 869 |
| Return on assets (ROA) | 1.5127% | 876 |
| Pretax return on assets | 1.5158% | 1,511 |
| Return on Equity (ROE) | 13.4399% | 998 |
| Retained earnings to average equity (ytd only) | 4.4574% | 3,344 |
| Net charge-offs to loans | 0.0225% | 2,700 |
| Credit loss provision to net charge-offs | 481.8182% | 571 |
| Earnings coverage of net charge-offs (x) | 93.7273% | 522 |
| Efficiency ratio | 64.1765% | 4,449 |
| Assets per employee ($millions) | 3.3886% | 5,102 |
| Cash dividends to net income (ytd only)* | 66.8347% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 3,781 |
| Loan loss allowance to noncurrent loans | 466.9903% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 5,175 |
| Noncurrent loans to loans | 0.2636% | 4,838 |
| Net loans and leases to total assets | 72.9963% | 1,656 |
| Net loans and leases to deposits | 84.8681% | 1,972 |
| Net loans and leases to core deposits | 90.0644% | 2,121 |
| Total domestic deposits to total assets | 86.0114% | 2,932 |
| Equity capital to assets | 11.2918% | 2,656 |
| Core capital (leverage) ratio | 11.5959% | 1,933 |
| Tier 1 risk-based capital ratio | 13.7692% | 4,170 |
| Total risk-based capital ratio | 14.8756% | 4,173 |
| Memoranda: | ||
| Average total assets | $262,306,500 | 2,453 |
| Average earning assets | $242,541,000 | 2,450 |
| Average equity | $29,524,000 | 2,387 |
| Average total loans | $195,709,000 | 2,119 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 2,042 |
| Cost of funding earning assets | 0.5234% | 2,462 |
| Net interest margin | 3.9326% | 2,110 |
| Noninterest income to average assets | 0.7381% | 2,130 |
| Noninterest expense to average assets | 2.9735% | 2,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3812% | 1,118 |
| Return on assets (ROA) | 1.3960% | 1,121 |
| Pretax return on assets | 1.3839% | 1,938 |
| Return on Equity (ROE) | 12.4871% | 1,266 |
| Retained earnings to average equity (ytd only) | 1.7519% | 4,942 |
| Net charge-offs to loans | 0.0360% | 4,114 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 52.2687% | 895 |
| Efficiency ratio | 68.4732% | 3,810 |
| Assets per employee ($millions) | 3.3806% | 5,107 |
| Cash dividends to net income (ytd only)* | 85.9703% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 3,963 |
| Loan loss allowance to noncurrent loans | 707.4850% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 5,520 |
| Noncurrent loans to loans | 0.1703% | 5,216 |
| Net loans and leases to total assets | 74.4185% | 1,513 |
| Net loans and leases to deposits | 92.4270% | 1,243 |
| Net loans and leases to core deposits | 97.9848% | 1,551 |
| Total domestic deposits to total assets | 80.5159% | 4,878 |
| Equity capital to assets | 11.2188% | 2,679 |
| Core capital (leverage) ratio | 11.4696% | 1,991 |
| Tier 1 risk-based capital ratio | 13.1972% | 4,587 |
| Total risk-based capital ratio | 14.2507% | 4,639 |
| Memoranda: | ||
| Average total assets | $255,795,600 | 2,472 |
| Average earning assets | $234,448,600 | 2,473 |
| Average equity | $28,597,400 | 2,369 |
| Average total loans | $185,891,200 | 2,159 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4318% | 2,112 |
| Cost of funding earning assets | 0.5422% | 2,357 |
| Net interest margin | 3.8895% | 2,286 |
| Noninterest income to average assets | 0.7419% | 2,130 |
| Noninterest expense to average assets | 2.9507% | 2,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3685% | 1,200 |
| Return on assets (ROA) | 1.3827% | 1,207 |
| Pretax return on assets | 1.3654% | 2,140 |
| Return on Equity (ROE) | 12.3787% | 1,378 |
| Retained earnings to average equity (ytd only) | 3.3278% | 4,249 |
| Net charge-offs to loans | 0.0247% | 4,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 75.9155% | 732 |
| Efficiency ratio | 68.5895% | 3,749 |
| Assets per employee ($millions) | 3.3770% | 5,081 |
| Cash dividends to net income (ytd only)* | 73.1161% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 3,744 |
| Loan loss allowance to noncurrent loans | 235.5949% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 4,732 |
| Noncurrent loans to loans | 0.5439% | 4,293 |
| Net loans and leases to total assets | 71.9157% | 1,866 |
| Net loans and leases to deposits | 83.8525% | 2,174 |
| Net loans and leases to core deposits | 88.6687% | 2,355 |
| Total domestic deposits to total assets | 85.7646% | 2,975 |
| Equity capital to assets | 11.3532% | 2,627 |
| Core capital (leverage) ratio | 11.6362% | 1,953 |
| Tier 1 risk-based capital ratio | 13.7615% | 4,380 |
| Total risk-based capital ratio | 14.8675% | 4,407 |
| Memoranda: | ||
| Average total assets | $254,668,250 | 2,502 |
| Average earning assets | $233,099,750 | 2,503 |
| Average equity | $28,446,000 | 2,389 |
| Average total loans | $183,344,500 | 2,200 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4294% | 2,064 |
| Cost of funding earning assets | 0.5598% | 2,263 |
| Net interest margin | 3.8696% | 2,297 |
| Noninterest income to average assets | 0.7330% | 2,129 |
| Noninterest expense to average assets | 2.9786% | 2,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2765% | 1,372 |
| Return on assets (ROA) | 1.2944% | 1,378 |
| Pretax return on assets | 1.3047% | 2,237 |
| Return on Equity (ROE) | 11.6532% | 1,534 |
| Retained earnings to average equity (ytd only) | 2.9488% | 4,327 |
| Net charge-offs to loans | 0.0231% | 3,745 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 77.8095% | 679 |
| Efficiency ratio | 69.8357% | 3,684 |
| Assets per employee ($millions) | 3.1137% | 5,572 |
| Cash dividends to net income (ytd only)* | 74.6959% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 3,805 |
| Loan loss allowance to noncurrent loans | 1,468.9024% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 5,932 |
| Noncurrent loans to loans | 0.0892% | 5,747 |
| Net loans and leases to total assets | 70.2402% | 2,038 |
| Net loans and leases to deposits | 81.6075% | 2,299 |
| Net loans and leases to core deposits | 85.7723% | 2,542 |
| Total domestic deposits to total assets | 86.0708% | 3,003 |
| Equity capital to assets | 11.1536% | 2,732 |
| Core capital (leverage) ratio | 11.7012% | 1,850 |
| Tier 1 risk-based capital ratio | 13.7913% | 4,396 |
| Total risk-based capital ratio | 14.9169% | 4,425 |
| Memoranda: | ||
| Average total assets | $254,008,000 | 2,511 |
| Average earning assets | $231,859,670 | 2,529 |
| Average equity | $28,215,330 | 2,392 |
| Average total loans | $182,137,000 | 2,206 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4486% | 1,965 |
| Cost of funding earning assets | 0.5768% | 2,183 |
| Net interest margin | 3.8718% | 2,187 |
| Noninterest income to average assets | 0.7435% | 1,973 |
| Noninterest expense to average assets | 3.1105% | 2,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1457% | 1,643 |
| Return on assets (ROA) | 1.1756% | 1,616 |
| Pretax return on assets | 1.1930% | 2,509 |
| Return on Equity (ROE) | 10.6053% | 1,818 |
| Retained earnings to average equity (ytd only) | 3.2103% | 4,193 |
| Net charge-offs to loans | 0.0419% | 2,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 38.5263% | 898 |
| Efficiency ratio | 72.7881% | 3,342 |
| Assets per employee ($millions) | 3.1194% | 5,652 |
| Cash dividends to net income (ytd only)* | 69.7297% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 3,940 |
| Loan loss allowance to noncurrent loans | 1,443.7126% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 5,843 |
| Noncurrent loans to loans | 0.0923% | 5,849 |
| Net loans and leases to total assets | 71.5660% | 1,640 |
| Net loans and leases to deposits | 83.4030% | 1,894 |
| Net loans and leases to core deposits | 88.1694% | 2,077 |
| Total domestic deposits to total assets | 85.8074% | 3,462 |
| Equity capital to assets | 11.3407% | 2,388 |
| Core capital (leverage) ratio | 11.7106% | 1,823 |
| Tier 1 risk-based capital ratio | 14.0858% | 4,271 |
| Total risk-based capital ratio | 15.2439% | 4,278 |
| Memoranda: | ||
| Average total assets | $251,794,000 | 2,538 |
| Average earning assets | $229,555,500 | 2,561 |
| Average equity | $27,910,500 | 2,412 |
| Average total loans | $181,238,000 | 2,223 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5075% | 2,178 |
| Cost of funding earning assets | 0.7008% | 1,810 |
| Net interest margin | 3.8067% | 2,633 |
| Noninterest income to average assets | 0.7918% | 2,116 |
| Noninterest expense to average assets | 2.9676% | 3,140 |
| Loan and lease loss provision to assets | 0.0223% | 4,683 |
| Net operating income to assets | 1.2889% | 1,278 |
| Return on assets (ROA) | 1.2952% | 1,317 |
| Pretax return on assets | 1.2940% | 2,179 |
| Return on Equity (ROE) | 11.7702% | 1,497 |
| Retained earnings to average equity (ytd only) | 3.0404% | 4,064 |
| Net charge-offs to loans | 0.4101% | 1,639 |
| Credit loss provision to net charge-offs | 7.6408% | 4,613 |
| Earnings coverage of net charge-offs (x) | 4.4826% | 3,554 |
| Efficiency ratio | 69.3745% | 3,942 |
| Assets per employee ($millions) | 3.1754% | 5,542 |
| Cash dividends to net income (ytd only)* | 74.1682% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 3,943 |
| Loan loss allowance to noncurrent loans | 1,429.4118% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.3535% | 5,200 |
| Noncurrent loans to loans | 0.0937% | 5,931 |
| Net loans and leases to total assets | 70.4785% | 1,939 |
| Net loans and leases to deposits | 88.1645% | 1,440 |
| Net loans and leases to core deposits | 93.6436% | 1,625 |
| Total domestic deposits to total assets | 79.9398% | 5,454 |
| Equity capital to assets | 10.8332% | 2,784 |
| Core capital (leverage) ratio | 11.3814% | 2,049 |
| Tier 1 risk-based capital ratio | 13.8001% | 4,438 |
| Total risk-based capital ratio | 14.9524% | 4,465 |
| Memoranda: | ||
| Average total assets | $255,254,600 | 2,484 |
| Average earning assets | $233,743,000 | 2,482 |
| Average equity | $28,088,000 | 2,374 |
| Average total loans | $181,915,600 | 2,173 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 2,281 |
| Cost of funding earning assets | 0.7375% | 1,685 |
| Net interest margin | 3.7493% | 2,852 |
| Noninterest income to average assets | 0.8087% | 2,103 |
| Noninterest expense to average assets | 2.9461% | 3,148 |
| Loan and lease loss provision to assets | 0.0297% | 4,413 |
| Net operating income to assets | 1.2704% | 1,431 |
| Return on assets (ROA) | 1.2787% | 1,470 |
| Pretax return on assets | 1.2761% | 2,424 |
| Return on Equity (ROE) | 11.5761% | 1,632 |
| Retained earnings to average equity (ytd only) | 3.0558% | 4,489 |
| Net charge-offs to loans | 0.4534% | 1,415 |
| Credit loss provision to net charge-offs | 9.2084% | 4,222 |
| Earnings coverage of net charge-offs (x) | 4.0178% | 3,556 |
| Efficiency ratio | 69.4246% | 3,849 |
| Assets per employee ($millions) | 3.3106% | 5,270 |
| Cash dividends to net income (ytd only)* | 73.6025% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 4,052 |
| Loan loss allowance to noncurrent loans | 710.2778% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 5,274 |
| Noncurrent loans to loans | 0.1922% | 5,762 |
| Net loans and leases to total assets | 70.6453% | 1,844 |
| Net loans and leases to deposits | 87.8953% | 1,373 |
| Net loans and leases to core deposits | 93.4284% | 1,630 |
| Total domestic deposits to total assets | 80.3744% | 5,396 |
| Equity capital to assets | 10.4009% | 3,389 |
| Core capital (leverage) ratio | 11.1999% | 2,304 |
| Tier 1 risk-based capital ratio | 13.4996% | 4,758 |
| Total risk-based capital ratio | 14.6942% | 4,745 |
| Memoranda: | ||
| Average total assets | $255,559,500 | 2,491 |
| Average earning assets | $234,133,000 | 2,494 |
| Average equity | $28,230,000 | 2,390 |
| Average total loans | $182,027,000 | 2,181 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5044% | 2,185 |
| Cost of funding earning assets | 0.7532% | 1,685 |
| Net interest margin | 3.7512% | 2,759 |
| Noninterest income to average assets | 0.8108% | 2,143 |
| Noninterest expense to average assets | 2.8805% | 3,405 |
| Loan and lease loss provision to assets | 0.0237% | 4,441 |
| Net operating income to assets | 1.3417% | 1,221 |
| Return on assets (ROA) | 1.3732% | 1,216 |
| Pretax return on assets | 1.3716% | 2,034 |
| Return on Equity (ROE) | 12.1865% | 1,434 |
| Retained earnings to average equity (ytd only) | 3.1919% | 4,281 |
| Net charge-offs to loans | 0.6291% | 1,047 |
| Credit loss provision to net charge-offs | 5.2910% | 3,953 |
| Earnings coverage of net charge-offs (x) | 3.0494% | 3,513 |
| Efficiency ratio | 67.8684% | 4,204 |
| Assets per employee ($millions) | 3.1350% | 5,609 |
| Cash dividends to net income (ytd only)* | 73.8082% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 3,966 |
| Loan loss allowance to noncurrent loans | 323.9649% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 5,472 |
| Noncurrent loans to loans | 0.4368% | 5,172 |
| Net loans and leases to total assets | 69.1273% | 2,047 |
| Net loans and leases to deposits | 84.1529% | 1,790 |
| Net loans and leases to core deposits | 89.3435% | 1,970 |
| Total domestic deposits to total assets | 82.1450% | 5,008 |
| Equity capital to assets | 10.6902% | 3,069 |
| Core capital (leverage) ratio | 11.1124% | 2,249 |
| Tier 1 risk-based capital ratio | 13.8185% | 4,546 |
| Total risk-based capital ratio | 15.0615% | 4,523 |
| Memoranda: | ||
| Average total assets | $253,567,330 | 2,522 |
| Average earning assets | $232,082,670 | 2,519 |
| Average equity | $28,572,670 | 2,381 |
| Average total loans | $180,262,670 | 2,196 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5595% | 1,951 |
| Cost of funding earning assets | 0.7698% | 1,707 |
| Net interest margin | 3.7897% | 2,486 |
| Noninterest income to average assets | 0.8551% | 1,914 |
| Noninterest expense to average assets | 2.9906% | 3,021 |
| Loan and lease loss provision to assets | 0.0480% | 3,818 |
| Net operating income to assets | 1.2867% | 1,318 |
| Return on assets (ROA) | 1.3506% | 1,247 |
| Pretax return on assets | 1.3427% | 2,063 |
| Return on Equity (ROE) | 11.6749% | 1,508 |
| Retained earnings to average equity (ytd only) | 3.5508% | 4,109 |
| Net charge-offs to loans | 0.3215% | 1,676 |
| Credit loss provision to net charge-offs | 20.8333% | 3,022 |
| Earnings coverage of net charge-offs (x) | 5.7639% | 2,327 |
| Efficiency ratio | 69.2706% | 4,098 |
| Assets per employee ($millions) | 3.2357% | 5,560 |
| Cash dividends to net income (ytd only)* | 69.5858% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6786% | 3,097 |
| Loan loss allowance to noncurrent loans | 225.2624% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.6052% | 4,880 |
| Noncurrent loans to loans | 0.7452% | 4,638 |
| Net loans and leases to total assets | 68.8553% | 1,868 |
| Net loans and leases to deposits | 81.0738% | 1,944 |
| Net loans and leases to core deposits | 85.9805% | 2,107 |
| Total domestic deposits to total assets | 84.9292% | 4,078 |
| Equity capital to assets | 11.3485% | 2,586 |
| Core capital (leverage) ratio | 11.3671% | 1,965 |
| Tier 1 risk-based capital ratio | 14.1842% | 4,376 |
| Total risk-based capital ratio | 15.4371% | 4,337 |
| Memoranda: | ||
| Average total assets | $250,250,500 | 2,580 |
| Average earning assets | $228,622,500 | 2,578 |
| Average equity | $28,951,000 | 2,382 |
| Average total loans | $179,168,000 | 2,222 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0784% | 1,355 |
| Cost of funding earning assets | 0.8577% | 2,237 |
| Net interest margin | 4.2207% | 1,602 |
| Noninterest income to average assets | 0.9549% | 1,683 |
| Noninterest expense to average assets | 3.0944% | 2,942 |
| Loan and lease loss provision to assets | 0.0790% | 4,718 |
| Net operating income to assets | 1.6291% | 719 |
| Return on assets (ROA) | 1.6291% | 792 |
| Pretax return on assets | 1.6348% | 1,295 |
| Return on Equity (ROE) | 14.0504% | 980 |
| Retained earnings to average equity (ytd only) | 4.2751% | 3,217 |
| Net charge-offs to loans | 0.5782% | 1,993 |
| Credit loss provision to net charge-offs | 18.5399% | 5,304 |
| Earnings coverage of net charge-offs (x) | 4.0221% | 3,511 |
| Efficiency ratio | 64.3569% | 4,821 |
| Assets per employee ($millions) | 3.1803% | 5,670 |
| Cash dividends to net income (ytd only)* | 69.5729% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7393% | 2,792 |
| Loan loss allowance to noncurrent loans | 211.4576% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.7861% | 4,496 |
| Noncurrent loans to loans | 0.8225% | 4,538 |
| Net loans and leases to total assets | 71.9549% | 1,498 |
| Net loans and leases to deposits | 84.9430% | 1,645 |
| Net loans and leases to core deposits | 89.8601% | 1,851 |
| Total domestic deposits to total assets | 84.7097% | 3,984 |
| Equity capital to assets | 11.7988% | 2,184 |
| Core capital (leverage) ratio | 11.6627% | 1,760 |
| Tier 1 risk-based capital ratio | 14.4014% | 4,094 |
| Total risk-based capital ratio | 15.6556% | 4,047 |
| Memoranda: | ||
| Average total assets | $244,313,200 | 2,584 |
| Average earning assets | $223,041,800 | 2,586 |
| Average equity | $28,326,600 | 2,368 |
| Average total loans | $180,047,600 | 2,203 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1184% | 1,383 |
| Cost of funding earning assets | 0.8819% | 2,297 |
| Net interest margin | 4.2365% | 1,625 |
| Noninterest income to average assets | 0.9370% | 1,715 |
| Noninterest expense to average assets | 3.1169% | 2,837 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6884% | 694 |
| Return on assets (ROA) | 1.6884% | 776 |
| Pretax return on assets | 1.6944% | 1,285 |
| Return on Equity (ROE) | 14.6268% | 976 |
| Retained earnings to average equity (ytd only) | 4.7873% | 3,522 |
| Net charge-offs to loans | 0.6591% | 1,661 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.4826% | 3,625 |
| Efficiency ratio | 64.7827% | 4,663 |
| Assets per employee ($millions) | 3.0414% | 5,978 |
| Cash dividends to net income (ytd only)* | 67.2703% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6924% | 3,178 |
| Loan loss allowance to noncurrent loans | 222.5760% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.8105% | 4,676 |
| Noncurrent loans to loans | 0.7604% | 4,897 |
| Net loans and leases to total assets | 73.4361% | 1,331 |
| Net loans and leases to deposits | 86.9944% | 1,485 |
| Net loans and leases to core deposits | 92.3844% | 1,741 |
| Total domestic deposits to total assets | 84.4148% | 4,024 |
| Equity capital to assets | 11.8447% | 2,399 |
| Core capital (leverage) ratio | 11.4763% | 2,003 |
| Tier 1 risk-based capital ratio | 14.3403% | 4,308 |
| Total risk-based capital ratio | 15.5546% | 4,291 |
| Memoranda: | ||
| Average total assets | $244,171,250 | 2,605 |
| Average earning assets | $223,293,750 | 2,603 |
| Average equity | $28,185,000 | 2,399 |
| Average total loans | $180,228,750 | 2,223 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1325% | 1,418 |
| Cost of funding earning assets | 0.9003% | 2,395 |
| Net interest margin | 4.2322% | 1,667 |
| Noninterest income to average assets | 1.0603% | 1,283 |
| Noninterest expense to average assets | 3.1613% | 2,718 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7663% | 594 |
| Return on assets (ROA) | 1.7663% | 667 |
| Pretax return on assets | 1.7721% | 1,091 |
| Return on Equity (ROE) | 15.4359% | 860 |
| Retained earnings to average equity (ytd only) | 3.9609% | 3,978 |
| Net charge-offs to loans | 0.7044% | 1,571 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.4218% | 3,378 |
| Efficiency ratio | 64.0796% | 4,891 |
| Assets per employee ($millions) | 2.9881% | 6,086 |
| Cash dividends to net income (ytd only)* | 74.3400% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 2,745 |
| Loan loss allowance to noncurrent loans | 182.9857% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 1.1419% | 4,109 |
| Noncurrent loans to loans | 1.0031% | 4,502 |
| Net loans and leases to total assets | 72.7712% | 1,429 |
| Net loans and leases to deposits | 86.8030% | 1,501 |
| Net loans and leases to core deposits | 90.8961% | 1,885 |
| Total domestic deposits to total assets | 83.8348% | 4,385 |
| Equity capital to assets | 11.5644% | 2,527 |
| Core capital (leverage) ratio | 11.0946% | 2,210 |
| Tier 1 risk-based capital ratio | 13.7923% | 4,601 |
| Total risk-based capital ratio | 15.0475% | 4,571 |
| Memoranda: | ||
| Average total assets | $244,459,000 | 2,604 |
| Average earning assets | $223,711,330 | 2,603 |
| Average equity | $27,973,670 | 2,397 |
| Average total loans | $179,721,000 | 2,236 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1071% | 1,551 |
| Cost of funding earning assets | 0.9133% | 2,584 |
| Net interest margin | 4.1937% | 1,774 |
| Noninterest income to average assets | 1.5612% | 594 |
| Noninterest expense to average assets | 3.4287% | 1,938 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9773% | 437 |
| Return on assets (ROA) | 1.9773% | 503 |
| Pretax return on assets | 1.9838% | 755 |
| Return on Equity (ROE) | 17.3716% | 618 |
| Retained earnings to average equity (ytd only) | 7.0379% | 2,418 |
| Net charge-offs to loans | 0.5460% | 1,722 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.9631% | 2,468 |
| Efficiency ratio | 63.3475% | 5,044 |
| Assets per employee ($millions) | 3.0177% | 6,118 |
| Cash dividends to net income (ytd only)* | 59.4863% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0832% | 2,142 |
| Loan loss allowance to noncurrent loans | 164.9535% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 1.6302% | 3,407 |
| Noncurrent loans to loans | 1.2629% | 4,221 |
| Net loans and leases to total assets | 70.7182% | 1,627 |
| Net loans and leases to deposits | 83.9933% | 1,665 |
| Net loans and leases to core deposits | 87.9973% | 2,053 |
| Total domestic deposits to total assets | 84.1950% | 4,401 |
| Equity capital to assets | 11.3201% | 2,610 |
| Core capital (leverage) ratio | 11.1537% | 2,147 |
| Tier 1 risk-based capital ratio | 14.1097% | 4,387 |
| Total risk-based capital ratio | 15.3677% | 4,353 |
| Memoranda: | ||
| Average total assets | $244,175,000 | 2,621 |
| Average earning assets | $224,239,000 | 2,610 |
| Average equity | $27,792,500 | 2,402 |
| Average total loans | $178,760,000 | 2,261 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3748% | 1,482 |
| Cost of funding earning assets | 0.9940% | 3,422 |
| Net interest margin | 4.3808% | 1,444 |
| Noninterest income to average assets | 0.6225% | 3,049 |
| Noninterest expense to average assets | 3.3262% | 2,434 |
| Loan and lease loss provision to assets | 0.3289% | 3,052 |
| Net operating income to assets | 0.9579% | 2,374 |
| Return on assets (ROA) | 0.9579% | 2,505 |
| Pretax return on assets | 0.9636% | 3,379 |
| Return on Equity (ROE) | 8.6710% | 2,598 |
| Retained earnings to average equity (ytd only) | 2.5509% | 4,413 |
| Net charge-offs to loans | 0.3351% | 3,721 |
| Credit loss provision to net charge-offs | 134.3284% | 2,246 |
| Earnings coverage of net charge-offs (x) | 5.2786% | 2,842 |
| Efficiency ratio | 72.0151% | 3,575 |
| Assets per employee ($millions) | 2.8011% | 6,455 |
| Cash dividends to net income (ytd only)* | 70.5808% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2187% | 1,768 |
| Loan loss allowance to noncurrent loans | 223.8713% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 1.3350% | 3,999 |
| Noncurrent loans to loans | 0.9910% | 4,723 |
| Net loans and leases to total assets | 72.5770% | 1,542 |
| Net loans and leases to deposits | 86.9156% | 1,545 |
| Net loans and leases to core deposits | 91.4246% | 1,947 |
| Total domestic deposits to total assets | 83.5028% | 4,537 |
| Equity capital to assets | 11.4460% | 2,550 |
| Core capital (leverage) ratio | 11.1623% | 2,151 |
| Tier 1 risk-based capital ratio | 13.8223% | 4,466 |
| Total risk-based capital ratio | 15.0820% | 4,413 |
| Memoranda: | ||
| Average total assets | $246,259,200 | 2,568 |
| Average earning assets | $224,639,200 | 2,560 |
| Average equity | $27,205,600 | 2,382 |
| Average total loans | $179,952,000 | 2,249 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4059% | 1,495 |
| Cost of funding earning assets | 1.0176% | 3,546 |
| Net interest margin | 4.3883% | 1,441 |
| Noninterest income to average assets | 0.6817% | 2,713 |
| Noninterest expense to average assets | 3.3726% | 2,271 |
| Loan and lease loss provision to assets | 0.1470% | 4,609 |
| Net operating income to assets | 1.1481% | 1,822 |
| Return on assets (ROA) | 1.1481% | 1,938 |
| Pretax return on assets | 1.1540% | 2,811 |
| Return on Equity (ROE) | 10.4840% | 2,040 |
| Retained earnings to average equity (ytd only) | 5.5665% | 2,812 |
| Net charge-offs to loans | 0.3336% | 3,421 |
| Credit loss provision to net charge-offs | 60.5322% | 4,795 |
| Earnings coverage of net charge-offs (x) | 5.3570% | 2,809 |
| Efficiency ratio | 72.1627% | 3,521 |
| Assets per employee ($millions) | 2.9609% | 6,208 |
| Cash dividends to net income (ytd only)* | 46.9042% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0192% | 2,283 |
| Loan loss allowance to noncurrent loans | 454.5685% | 698 |
| Noncurrent assets plus other real estate owned to assets | 1.0352% | 4,690 |
| Noncurrent loans to loans | 0.4442% | 5,956 |
| Net loans and leases to total assets | 70.7294% | 1,939 |
| Net loans and leases to deposits | 84.3061% | 1,950 |
| Net loans and leases to core deposits | 87.8220% | 2,517 |
| Total domestic deposits to total assets | 83.8960% | 4,282 |
| Equity capital to assets | 11.4445% | 2,737 |
| Core capital (leverage) ratio | 11.2583% | 2,190 |
| Tier 1 risk-based capital ratio | 14.0785% | 4,298 |
| Total risk-based capital ratio | 15.3359% | 4,265 |
| Memoranda: | ||
| Average total assets | $247,600,000 | 2,559 |
| Average earning assets | $225,231,250 | 2,563 |
| Average equity | $27,113,750 | 2,388 |
| Average total loans | $180,239,500 | 2,264 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4285% | 1,482 |
| Cost of funding earning assets | 1.0363% | 3,694 |
| Net interest margin | 4.3922% | 1,393 |
| Noninterest income to average assets | 0.6559% | 2,792 |
| Noninterest expense to average assets | 3.5421% | 1,882 |
| Loan and lease loss provision to assets | 0.1249% | 4,728 |
| Net operating income to assets | 0.9822% | 2,295 |
| Return on assets (ROA) | 0.9822% | 2,398 |
| Pretax return on assets | 0.9878% | 3,282 |
| Return on Equity (ROE) | 9.1049% | 2,465 |
| Retained earnings to average equity (ytd only) | 4.6234% | 3,238 |
| Net charge-offs to loans | 0.1534% | 4,262 |
| Credit loss provision to net charge-offs | 111.5108% | 2,751 |
| Earnings coverage of net charge-offs (x) | 9.9353% | 1,866 |
| Efficiency ratio | 76.0949% | 2,995 |
| Assets per employee ($millions) | 2.7545% | 6,550 |
| Cash dividends to net income (ytd only)* | 49.2207% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1409% | 2,028 |
| Loan loss allowance to noncurrent loans | 323.5647% | 980 |
| Noncurrent assets plus other real estate owned to assets | 1.2984% | 4,307 |
| Noncurrent loans to loans | 0.6617% | 5,587 |
| Net loans and leases to total assets | 70.4051% | 2,133 |
| Net loans and leases to deposits | 84.4965% | 2,033 |
| Net loans and leases to core deposits | 88.6365% | 2,546 |
| Total domestic deposits to total assets | 83.3231% | 4,623 |
| Equity capital to assets | 11.1481% | 2,815 |
| Core capital (leverage) ratio | 10.9537% | 2,291 |
| Tier 1 risk-based capital ratio | 13.9424% | 4,207 |
| Total risk-based capital ratio | 15.2010% | 4,175 |
| Memoranda: | ||
| Average total assets | $248,216,000 | 2,571 |
| Average earning assets | $225,993,670 | 2,569 |
| Average equity | $26,776,670 | 2,402 |
| Average total loans | $181,185,670 | 2,267 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4503% | 1,428 |
| Cost of funding earning assets | 1.0573% | 3,800 |
| Net interest margin | 4.3930% | 1,298 |
| Noninterest income to average assets | 0.5766% | 3,328 |
| Noninterest expense to average assets | 3.5075% | 1,985 |
| Loan and lease loss provision to assets | 0.2483% | 3,176 |
| Net operating income to assets | 0.8136% | 2,957 |
| Return on assets (ROA) | 0.8136% | 3,021 |
| Pretax return on assets | 0.8200% | 3,829 |
| Return on Equity (ROE) | 7.6679% | 3,063 |
| Retained earnings to average equity (ytd only) | -1.3887% | 6,060 |
| Net charge-offs to loans | 0.5643% | 2,073 |
| Credit loss provision to net charge-offs | 59.8456% | 3,548 |
| Earnings coverage of net charge-offs (x) | 2.5753% | 3,047 |
| Efficiency ratio | 76.6538% | 3,043 |
| Assets per employee ($millions) | 2.8256% | 6,487 |
| Cash dividends to net income (ytd only)* | 118.1102% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9977% | 2,427 |
| Loan loss allowance to noncurrent loans | 216.8446% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 1.6271% | 3,809 |
| Noncurrent loans to loans | 0.9213% | 5,192 |
| Net loans and leases to total assets | 72.9573% | 1,522 |
| Net loans and leases to deposits | 87.4047% | 1,533 |
| Net loans and leases to core deposits | 91.3560% | 2,190 |
| Total domestic deposits to total assets | 83.4707% | 4,708 |
| Equity capital to assets | 10.7578% | 2,916 |
| Core capital (leverage) ratio | 10.5048% | 2,606 |
| Tier 1 risk-based capital ratio | 13.2281% | 4,637 |
| Total risk-based capital ratio | 14.4853% | 4,612 |
| Memoranda: | ||
| Average total assets | $249,747,000 | 2,572 |
| Average earning assets | $227,364,000 | 2,577 |
| Average equity | $26,500,000 | 2,414 |
| Average total loans | $183,590,000 | 2,264 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6522% | 1,742 |
| Cost of funding earning assets | 1.3073% | 3,838 |
| Net interest margin | 4.3449% | 1,663 |
| Noninterest income to average assets | 0.6503% | 3,151 |
| Noninterest expense to average assets | 3.4172% | 2,392 |
| Loan and lease loss provision to assets | 0.3866% | 3,795 |
| Net operating income to assets | 0.8160% | 2,727 |
| Return on assets (ROA) | 0.8160% | 2,863 |
| Pretax return on assets | 0.8214% | 3,565 |
| Return on Equity (ROE) | 8.1005% | 2,665 |
| Retained earnings to average equity (ytd only) | 6.5561% | 1,529 |
| Net charge-offs to loans | 1.2384% | 1,812 |
| Credit loss provision to net charge-offs | 42.0474% | 6,358 |
| Earnings coverage of net charge-offs (x) | 1.3139% | 4,790 |
| Efficiency ratio | 73.8816% | 3,417 |
| Assets per employee ($millions) | 2.9843% | 6,132 |
| Cash dividends to net income (ytd only)* | 19.0658% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0416% | 2,202 |
| Loan loss allowance to noncurrent loans | 336.3148% | 925 |
| Noncurrent assets plus other real estate owned to assets | 1.6195% | 3,887 |
| Noncurrent loans to loans | 0.6070% | 5,831 |
| Net loans and leases to total assets | 71.1228% | 2,276 |
| Net loans and leases to deposits | 84.8743% | 2,304 |
| Net loans and leases to core deposits | 94.2247% | 2,228 |
| Total domestic deposits to total assets | 83.7979% | 4,452 |
| Equity capital to assets | 10.4682% | 3,192 |
| Core capital (leverage) ratio | 10.4534% | 2,602 |
| Tier 1 risk-based capital ratio | 13.3271% | 4,353 |
| Total risk-based capital ratio | 14.5852% | 4,310 |
| Memoranda: | ||
| Average total assets | $257,113,600 | 2,480 |
| Average earning assets | $235,218,600 | 2,473 |
| Average equity | $25,899,600 | 2,466 |
| Average total loans | $190,888,400 | 2,245 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7126% | 1,680 |
| Cost of funding earning assets | 1.3564% | 3,858 |
| Net interest margin | 4.3562% | 1,659 |
| Noninterest income to average assets | 0.5365% | 3,898 |
| Noninterest expense to average assets | 3.4013% | 2,288 |
| Loan and lease loss provision to assets | 0.3592% | 3,742 |
| Net operating income to assets | 0.7608% | 3,175 |
| Return on assets (ROA) | 0.7608% | 3,330 |
| Pretax return on assets | 0.7665% | 4,028 |
| Return on Equity (ROE) | 7.6260% | 3,054 |
| Retained earnings to average equity (ytd only) | 5.5537% | 2,621 |
| Net charge-offs to loans | 0.8184% | 2,408 |
| Credit loss provision to net charge-offs | 58.7986% | 5,726 |
| Earnings coverage of net charge-offs (x) | 1.8426% | 4,329 |
| Efficiency ratio | 75.1341% | 3,122 |
| Assets per employee ($millions) | 2.9084% | 6,349 |
| Cash dividends to net income (ytd only)* | 27.1739% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4913% | 1,341 |
| Loan loss allowance to noncurrent loans | 581.1014% | 544 |
| Noncurrent assets plus other real estate owned to assets | 1.1544% | 4,807 |
| Noncurrent loans to loans | 0.4287% | 6,344 |
| Net loans and leases to total assets | 71.8199% | 2,292 |
| Net loans and leases to deposits | 85.0737% | 2,507 |
| Net loans and leases to core deposits | 94.1537% | 2,508 |
| Total domestic deposits to total assets | 84.4208% | 3,912 |
| Equity capital to assets | 10.4019% | 3,636 |
| Core capital (leverage) ratio | 10.0700% | 3,181 |
| Tier 1 risk-based capital ratio | 12.9682% | 4,603 |
| Total risk-based capital ratio | 14.2318% | 4,566 |
| Memoranda: | ||
| Average total assets | $257,976,000 | 2,514 |
| Average earning assets | $236,314,000 | 2,501 |
| Average equity | $25,736,000 | 2,520 |
| Average total loans | $192,567,250 | 2,266 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7219% | 1,680 |
| Cost of funding earning assets | 1.4246% | 3,717 |
| Net interest margin | 4.2973% | 1,790 |
| Noninterest income to average assets | 0.6101% | 3,259 |
| Noninterest expense to average assets | 3.4380% | 2,171 |
| Loan and lease loss provision to assets | 0.1934% | 4,945 |
| Net operating income to assets | 0.9098% | 2,518 |
| Return on assets (ROA) | 0.9098% | 2,627 |
| Pretax return on assets | 0.9152% | 3,433 |
| Return on Equity (ROE) | 9.2478% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.2478% | 1,034 |
| Net charge-offs to loans | 0.9022% | 2,028 |
| Credit loss provision to net charge-offs | 28.5877% | 5,754 |
| Earnings coverage of net charge-offs (x) | 1.6390% | 4,275 |
| Efficiency ratio | 75.6184% | 3,139 |
| Assets per employee ($millions) | 2.7589% | 6,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3767% | 1,463 |
| Loan loss allowance to noncurrent loans | 372.1488% | 805 |
| Noncurrent assets plus other real estate owned to assets | 1.7480% | 3,826 |
| Noncurrent loans to loans | 0.6386% | 5,973 |
| Net loans and leases to total assets | 72.0895% | 2,372 |
| Net loans and leases to deposits | 86.0609% | 2,493 |
| Net loans and leases to core deposits | 95.1823% | 2,560 |
| Total domestic deposits to total assets | 83.7657% | 4,215 |
| Equity capital to assets | 10.2259% | 3,736 |
| Core capital (leverage) ratio | 9.8679% | 3,318 |
| Tier 1 risk-based capital ratio | 12.9255% | 4,512 |
| Total risk-based capital ratio | 14.1871% | 4,458 |
| Memoranda: | ||
| Average total assets | $259,624,670 | 2,507 |
| Average earning assets | $237,825,000 | 2,505 |
| Average equity | $25,541,330 | 2,534 |
| Average total loans | $194,633,330 | 2,269 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7866% | 1,502 |
| Cost of funding earning assets | 1.5188% | 3,429 |
| Net interest margin | 4.2677% | 1,795 |
| Noninterest income to average assets | 0.6770% | 2,763 |
| Noninterest expense to average assets | 3.4294% | 2,162 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1641% | 1,636 |
| Return on assets (ROA) | 1.1641% | 1,712 |
| Pretax return on assets | 1.1641% | 2,495 |
| Return on Equity (ROE) | 12.0666% | 1,486 |
| Retained earnings to average equity (ytd only) | 12.0666% | 738 |
| Net charge-offs to loans | 0.5517% | 2,426 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.7941% | 3,150 |
| Efficiency ratio | 74.6582% | 3,457 |
| Assets per employee ($millions) | 2.9119% | 6,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4998% | 1,293 |
| Loan loss allowance to noncurrent loans | 214.4812% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 1.8491% | 3,708 |
| Noncurrent loans to loans | 1.1655% | 5,032 |
| Net loans and leases to total assets | 72.3015% | 2,386 |
| Net loans and leases to deposits | 86.1006% | 2,569 |
| Net loans and leases to core deposits | 94.4891% | 2,769 |
| Total domestic deposits to total assets | 83.9732% | 4,158 |
| Equity capital to assets | 9.7757% | 4,143 |
| Core capital (leverage) ratio | 9.6616% | 3,566 |
| Tier 1 risk-based capital ratio | 12.4514% | 4,792 |
| Total risk-based capital ratio | 13.7153% | 4,732 |
| Memoranda: | ||
| Average total assets | $261,150,000 | 2,554 |
| Average earning assets | $239,659,000 | 2,538 |
| Average equity | $25,193,500 | 2,594 |
| Average total loans | $197,217,000 | 2,301 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0611% | 1,636 |
| Cost of funding earning assets | 2.0425% | 2,759 |
| Net interest margin | 4.0186% | 2,793 |
| Noninterest income to average assets | 0.5648% | 3,908 |
| Noninterest expense to average assets | 3.5035% | 2,365 |
| Loan and lease loss provision to assets | 0.8307% | 2,645 |
| Net operating income to assets | -0.0555% | 5,592 |
| Return on assets (ROA) | 0.0954% | 5,265 |
| Pretax return on assets | 0.1015% | 5,220 |
| Return on Equity (ROE) | 1.1467% | 5,190 |
| Retained earnings to average equity (ytd only) | 0.2257% | 4,776 |
| Net charge-offs to loans | 0.7464% | 2,959 |
| Credit loss provision to net charge-offs | 141.2378% | 3,434 |
| Earnings coverage of net charge-offs (x) | 1.3121% | 4,815 |
| Efficiency ratio | 81.9502% | 2,604 |
| Assets per employee ($millions) | 2.9572% | 6,330 |
| Cash dividends to net income (ytd only)* | 80.3213% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5638% | 1,159 |
| Loan loss allowance to noncurrent loans | 112.6482% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 2.6753% | 2,624 |
| Noncurrent loans to loans | 2.2759% | 3,310 |
| Net loans and leases to total assets | 74.9205% | 2,052 |
| Net loans and leases to deposits | 89.7242% | 2,254 |
| Net loans and leases to core deposits | 113.7816% | 2,521 |
| Total domestic deposits to total assets | 83.5009% | 4,284 |
| Equity capital to assets | 9.5177% | 4,393 |
| Core capital (leverage) ratio | 9.2076% | 4,108 |
| Tier 1 risk-based capital ratio | 11.8196% | 5,095 |
| Total risk-based capital ratio | 13.0798% | 5,054 |
| Memoranda: | ||
| Average total assets | $260,993,000 | 2,505 |
| Average earning assets | $240,980,600 | 2,495 |
| Average equity | $21,714,200 | 2,983 |
| Average total loans | $205,652,800 | 2,247 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1143% | 1,598 |
| Cost of funding earning assets | 2.1228% | 2,787 |
| Net interest margin | 3.9915% | 2,859 |
| Noninterest income to average assets | 0.6029% | 3,677 |
| Noninterest expense to average assets | 3.5989% | 2,027 |
| Loan and lease loss provision to assets | 1.1067% | 1,767 |
| Net operating income to assets | -0.4211% | 6,346 |
| Return on assets (ROA) | -0.2445% | 6,138 |
| Pretax return on assets | -0.2384% | 6,034 |
| Return on Equity (ROE) | -3.0483% | 6,247 |
| Retained earnings to average equity (ytd only) | -4.3211% | 6,156 |
| Net charge-offs to loans | 0.7844% | 2,401 |
| Credit loss provision to net charge-offs | 177.9967% | 2,590 |
| Earnings coverage of net charge-offs (x) | 1.1125% | 4,949 |
| Efficiency ratio | 83.8786% | 2,314 |
| Assets per employee ($millions) | 3.0597% | 6,012 |
| Cash dividends to net income (ytd only)* | -41.7537% | 7,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7010% | 884 |
| Loan loss allowance to noncurrent loans | 102.9484% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 2.7092% | 2,568 |
| Noncurrent loans to loans | 2.6237% | 2,883 |
| Net loans and leases to total assets | 74.5680% | 2,354 |
| Net loans and leases to deposits | 89.1287% | 2,761 |
| Net loans and leases to core deposits | 114.0651% | 2,821 |
| Total domestic deposits to total assets | 83.6633% | 3,876 |
| Equity capital to assets | 9.1507% | 5,260 |
| Core capital (leverage) ratio | 8.9962% | 4,655 |
| Tier 1 risk-based capital ratio | 11.6719% | 5,268 |
| Total risk-based capital ratio | 12.9392% | 5,204 |
| Memoranda: | ||
| Average total assets | $261,183,250 | 2,521 |
| Average earning assets | $241,307,500 | 2,506 |
| Average equity | $20,950,750 | 3,106 |
| Average total loans | $207,041,750 | 2,252 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1878% | 1,497 |
| Cost of funding earning assets | 2.1951% | 2,817 |
| Net interest margin | 3.9927% | 2,727 |
| Noninterest income to average assets | 0.6817% | 3,105 |
| Noninterest expense to average assets | 3.7331% | 1,773 |
| Loan and lease loss provision to assets | 0.7922% | 2,110 |
| Net operating income to assets | -0.1414% | 6,090 |
| Return on assets (ROA) | 0.1082% | 5,639 |
| Pretax return on assets | 0.1151% | 5,643 |
| Return on Equity (ROE) | 1.4165% | 5,489 |
| Retained earnings to average equity (ytd only) | -0.5927% | 5,374 |
| Net charge-offs to loans | 0.8207% | 2,048 |
| Credit loss provision to net charge-offs | 120.4201% | 3,854 |
| Earnings coverage of net charge-offs (x) | 0.9755% | 4,800 |
| Efficiency ratio | 85.3308% | 2,316 |
| Assets per employee ($millions) | 2.8307% | 6,558 |
| Cash dividends to net income (ytd only)* | 141.8440% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2764% | 1,133 |
| Loan loss allowance to noncurrent loans | 113.0687% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 2.1698% | 2,974 |
| Noncurrent loans to loans | 2.0133% | 3,497 |
| Net loans and leases to total assets | 76.1878% | 2,137 |
| Net loans and leases to deposits | 90.8225% | 2,692 |
| Net loans and leases to core deposits | 115.8839% | 2,722 |
| Total domestic deposits to total assets | 83.8865% | 3,828 |
| Equity capital to assets | 7.3310% | 7,395 |
| Core capital (leverage) ratio | 7.2432% | 7,311 |
| Tier 1 risk-based capital ratio | 9.2572% | 7,566 |
| Total risk-based capital ratio | 10.4551% | 7,589 |
| Memoranda: | ||
| Average total assets | $260,532,000 | 2,540 |
| Average earning assets | $240,988,670 | 2,512 |
| Average equity | $19,908,000 | 3,258 |
| Average total loans | $208,834,670 | 2,256 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3126% | 1,263 |
| Cost of funding earning assets | 2.2400% | 2,962 |
| Net interest margin | 4.0726% | 2,394 |
| Noninterest income to average assets | 0.6775% | 3,018 |
| Noninterest expense to average assets | 3.8276% | 1,420 |
| Loan and lease loss provision to assets | 0.3087% | 3,489 |
| Net operating income to assets | 0.3210% | 5,210 |
| Return on assets (ROA) | 0.5849% | 4,273 |
| Pretax return on assets | 0.5849% | 4,803 |
| Return on Equity (ROE) | 7.5003% | 3,385 |
| Retained earnings to average equity (ytd only) | 7.5003% | 2,024 |
| Net charge-offs to loans | 0.3703% | 2,609 |
| Credit loss provision to net charge-offs | 102.5641% | 3,658 |
| Earnings coverage of net charge-offs (x) | 2.0923% | 3,678 |
| Efficiency ratio | 85.8726% | 2,083 |
| Assets per employee ($millions) | 2.9395% | 6,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1534% | 1,141 |
| Loan loss allowance to noncurrent loans | 105.4086% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 2.0614% | 2,809 |
| Noncurrent loans to loans | 2.0429% | 3,209 |
| Net loans and leases to total assets | 76.4761% | 2,167 |
| Net loans and leases to deposits | 91.3673% | 2,717 |
| Net loans and leases to core deposits | 116.0362% | 2,802 |
| Total domestic deposits to total assets | 83.7018% | 3,841 |
| Equity capital to assets | 7.5737% | 7,290 |
| Core capital (leverage) ratio | 7.5054% | 7,158 |
| Tier 1 risk-based capital ratio | 9.1291% | 7,721 |
| Total risk-based capital ratio | 10.3889% | 7,715 |
| Memoranda: | ||
| Average total assets | $259,172,000 | 2,557 |
| Average earning assets | $240,534,500 | 2,530 |
| Average equity | $20,212,500 | 3,231 |
| Average total loans | $210,633,000 | 2,265 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3088% | 587 |
| Cost of funding earning assets | 2.6996% | 3,157 |
| Net interest margin | 4.6092% | 1,153 |
| Noninterest income to average assets | 0.6900% | 3,183 |
| Noninterest expense to average assets | 3.5608% | 2,233 |
| Loan and lease loss provision to assets | 1.6365% | 794 |
| Net operating income to assets | -0.2755% | 6,713 |
| Return on assets (ROA) | -0.2755% | 6,560 |
| Pretax return on assets | -0.2676% | 6,430 |
| Return on Equity (ROE) | -3.1573% | 6,639 |
| Retained earnings to average equity (ytd only) | -10.0329% | 7,073 |
| Net charge-offs to loans | 0.7734% | 1,610 |
| Credit loss provision to net charge-offs | 263.0711% | 1,761 |
| Earnings coverage of net charge-offs (x) | 2.2005% | 4,974 |
| Efficiency ratio | 72.2316% | 3,891 |
| Assets per employee ($millions) | 2.8186% | 6,519 |
| Cash dividends to net income (ytd only)* | -217.7650% | 8,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1192% | 1,045 |
| Loan loss allowance to noncurrent loans | 119.9520% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.8489% | 2,674 |
| Noncurrent loans to loans | 1.7667% | 3,116 |
| Net loans and leases to total assets | 82.7976% | 1,080 |
| Net loans and leases to deposits | 100.7802% | 1,745 |
| Net loans and leases to core deposits | 127.8475% | 2,009 |
| Total domestic deposits to total assets | 82.1566% | 4,140 |
| Equity capital to assets | 8.0389% | 6,793 |
| Core capital (leverage) ratio | 7.6526% | 7,001 |
| Tier 1 risk-based capital ratio | 9.2011% | 7,613 |
| Total risk-based capital ratio | 10.4617% | 7,553 |
| Memoranda: | ||
| Average total assets | $253,340,200 | 2,528 |
| Average earning assets | $233,033,200 | 2,527 |
| Average equity | $22,107,200 | 2,959 |
| Average total loans | $203,782,000 | 2,264 |