Home > City Savings Bank & Trust Company > Performance and Condition Ratios
City Savings Bank & Trust Company, Performance and Condition Ratios
| 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 | 5.2469% | 405 |
| Cost of funding earning assets | 0.3066% | 4,070 |
| Net interest margin | 4.9403% | 261 |
| Noninterest income to average assets | 1.1088% | 827 |
| Noninterest expense to average assets | 3.5592% | 948 |
| Loan and lease loss provision to assets | 0.3090% | 550 |
| Net operating income to assets | 1.9106% | 330 |
| Return on assets (ROA) | 1.9106% | 340 |
| Pretax return on assets | 1.9106% | 593 |
| Return on Equity (ROE) | 18.8390% | 253 |
| Retained earnings to average equity (ytd only) | 12.2892% | 164 |
| Net charge-offs to loans | 0.3181% | 798 |
| Credit loss provision to net charge-offs | 122.2494% | 2,134 |
| Earnings coverage of net charge-offs (x) | 8.7824% | 2,864 |
| Efficiency ratio | 61.5911% | 4,005 |
| Assets per employee ($millions) | 2.9378% | 5,242 |
| Cash dividends to net income (ytd only)* | 34.7671% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 2,111 |
| Loan loss allowance to noncurrent loans | 84.6285% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.4048% | 997 |
| Noncurrent loans to loans | 1.5617% | 1,082 |
| Net loans and leases to total assets | 79.5395% | 1,026 |
| Net loans and leases to deposits | 89.1024% | 1,884 |
| Net loans and leases to core deposits | 104.0976% | 1,408 |
| Total domestic deposits to total assets | 89.2674% | 883 |
| Equity capital to assets | 10.4596% | 3,204 |
| Core capital (leverage) ratio | 10.5793% | 2,764 |
| Tier 1 risk-based capital ratio | 14.3880% | 3,146 |
| Total risk-based capital ratio | 15.6403% | 3,056 |
| Memoranda: | ||
| Average total assets | $323,672,200 | 2,046 |
| Average earning assets | $305,952,000 | 2,012 |
| Average equity | $32,825,600 | 2,178 |
| Average total loans | $257,116,000 | 1,774 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1770% | 437 |
| Cost of funding earning assets | 0.2920% | 4,212 |
| Net interest margin | 4.8850% | 283 |
| Noninterest income to average assets | 1.1048% | 835 |
| Noninterest expense to average assets | 3.5600% | 907 |
| Loan and lease loss provision to assets | 0.2930% | 539 |
| Net operating income to assets | 1.8844% | 398 |
| Return on assets (ROA) | 1.8844% | 403 |
| Pretax return on assets | 1.8844% | 715 |
| Return on Equity (ROE) | 18.7291% | 292 |
| Retained earnings to average equity (ytd only) | 18.1138% | 65 |
| Net charge-offs to loans | 0.2341% | 918 |
| Credit loss provision to net charge-offs | 158.1292% | 1,618 |
| Earnings coverage of net charge-offs (x) | 11.7506% | 2,479 |
| Efficiency ratio | 62.0486% | 3,873 |
| Assets per employee ($millions) | 2.9981% | 5,269 |
| Cash dividends to net income (ytd only)* | 3.2852% | 3,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 2,217 |
| Loan loss allowance to noncurrent loans | 124.4919% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.9030% | 1,890 |
| Noncurrent loans to loans | 1.0666% | 1,812 |
| Net loans and leases to total assets | 80.7891% | 873 |
| Net loans and leases to deposits | 90.7274% | 1,723 |
| Net loans and leases to core deposits | 106.0157% | 1,270 |
| Total domestic deposits to total assets | 89.0460% | 860 |
| Equity capital to assets | 10.6220% | 3,246 |
| Core capital (leverage) ratio | 10.8644% | 2,583 |
| Tier 1 risk-based capital ratio | 14.3094% | 3,294 |
| Total risk-based capital ratio | 15.5618% | 3,197 |
| Memoranda: | ||
| Average total assets | $323,065,000 | 2,064 |
| Average earning assets | $306,372,250 | 2,021 |
| Average equity | $32,504,750 | 2,210 |
| Average total loans | $255,681,750 | 1,795 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 463 |
| Cost of funding earning assets | 0.2827% | 4,262 |
| Net interest margin | 4.8239% | 309 |
| Noninterest income to average assets | 1.0869% | 848 |
| Noninterest expense to average assets | 3.6287% | 840 |
| Loan and lease loss provision to assets | 0.2567% | 647 |
| Net operating income to assets | 1.7718% | 476 |
| Return on assets (ROA) | 1.7718% | 485 |
| Pretax return on assets | 1.7718% | 896 |
| Return on Equity (ROE) | 17.9483% | 337 |
| Retained earnings to average equity (ytd only) | 17.9483% | 78 |
| Net charge-offs to loans | 0.1875% | 1,062 |
| Credit loss provision to net charge-offs | 175.0000% | 1,380 |
| Earnings coverage of net charge-offs (x) | 13.8305% | 2,111 |
| Efficiency ratio | 64.1437% | 3,644 |
| Assets per employee ($millions) | 2.7585% | 5,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 2,222 |
| Loan loss allowance to noncurrent loans | 121.5061% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.9000% | 1,969 |
| Noncurrent loans to loans | 1.1038% | 1,774 |
| Net loans and leases to total assets | 80.4426% | 883 |
| Net loans and leases to deposits | 90.1333% | 1,709 |
| Net loans and leases to core deposits | 100.7458% | 1,600 |
| Total domestic deposits to total assets | 89.2485% | 831 |
| Equity capital to assets | 10.4558% | 3,398 |
| Core capital (leverage) ratio | 10.4871% | 2,931 |
| Tier 1 risk-based capital ratio | 14.3297% | 3,250 |
| Total risk-based capital ratio | 15.5826% | 3,175 |
| Memoranda: | ||
| Average total assets | $321,822,000 | 2,071 |
| Average earning assets | $304,898,000 | 2,027 |
| Average equity | $31,769,000 | 2,242 |
| Average total loans | $251,720,000 | 1,815 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9225% | 597 |
| Cost of funding earning assets | 0.2802% | 4,254 |
| Net interest margin | 4.6423% | 413 |
| Noninterest income to average assets | 1.0478% | 913 |
| Noninterest expense to average assets | 3.6369% | 846 |
| Loan and lease loss provision to assets | 0.1888% | 889 |
| Net operating income to assets | 1.6179% | 653 |
| Return on assets (ROA) | 1.6179% | 671 |
| Pretax return on assets | 1.6179% | 1,190 |
| Return on Equity (ROE) | 16.8786% | 428 |
| Retained earnings to average equity (ytd only) | 16.8786% | 173 |
| Net charge-offs to loans | 0.1370% | 1,116 |
| Credit loss provision to net charge-offs | 180.0000% | 1,088 |
| Earnings coverage of net charge-offs (x) | 17.2235% | 1,607 |
| Efficiency ratio | 66.8102% | 3,364 |
| Assets per employee ($millions) | 2.8629% | 5,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 2,376 |
| Loan loss allowance to noncurrent loans | 141.4737% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.7409% | 2,448 |
| Noncurrent loans to loans | 0.9420% | 2,160 |
| Net loans and leases to total assets | 76.8985% | 1,275 |
| Net loans and leases to deposits | 85.4924% | 2,094 |
| Net loans and leases to core deposits | 94.3398% | 1,953 |
| Total domestic deposits to total assets | 89.9478% | 688 |
| Equity capital to assets | 9.8071% | 3,969 |
| Core capital (leverage) ratio | 9.9540% | 3,562 |
| Tier 1 risk-based capital ratio | 12.7047% | 4,257 |
| Total risk-based capital ratio | 13.9560% | 4,156 |
| Memoranda: | ||
| Average total assets | $324,118,000 | 2,073 |
| Average earning assets | $306,916,500 | 2,037 |
| Average equity | $31,069,000 | 2,290 |
| Average total loans | $248,251,500 | 1,843 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0783% | 520 |
| Cost of funding earning assets | 0.3113% | 3,940 |
| Net interest margin | 4.7669% | 374 |
| Noninterest income to average assets | 1.0535% | 1,014 |
| Noninterest expense to average assets | 3.4426% | 1,271 |
| Loan and lease loss provision to assets | 0.2876% | 672 |
| Net operating income to assets | 1.8556% | 402 |
| Return on assets (ROA) | 1.8556% | 418 |
| Pretax return on assets | 1.8556% | 683 |
| Return on Equity (ROE) | 18.0005% | 328 |
| Retained earnings to average equity (ytd only) | -11.5348% | 5,802 |
| Net charge-offs to loans | 0.2575% | 1,073 |
| Credit loss provision to net charge-offs | 149.3528% | 1,835 |
| Earnings coverage of net charge-offs (x) | 11.1294% | 2,564 |
| Efficiency ratio | 61.6312% | 4,323 |
| Assets per employee ($millions) | 2.7288% | 5,542 |
| Cash dividends to net income (ytd only)* | 164.0806% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 2,313 |
| Loan loss allowance to noncurrent loans | 183.6029% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5589% | 3,054 |
| Noncurrent loans to loans | 0.7337% | 2,693 |
| Net loans and leases to total assets | 74.2400% | 1,809 |
| Net loans and leases to deposits | 82.2097% | 2,646 |
| Net loans and leases to core deposits | 90.7956% | 2,428 |
| Total domestic deposits to total assets | 90.3056% | 513 |
| Equity capital to assets | 9.3652% | 4,408 |
| Core capital (leverage) ratio | 9.4220% | 4,199 |
| Tier 1 risk-based capital ratio | 13.2165% | 3,942 |
| Total risk-based capital ratio | 14.4685% | 3,858 |
| Memoranda: | ||
| Average total assets | $320,921,800 | 2,054 |
| Average earning assets | $305,123,200 | 2,009 |
| Average equity | $33,082,400 | 2,173 |
| Average total loans | $239,984,800 | 1,844 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0888% | 510 |
| Cost of funding earning assets | 0.3167% | 3,908 |
| Net interest margin | 4.7721% | 380 |
| Noninterest income to average assets | 1.0588% | 1,015 |
| Noninterest expense to average assets | 3.5002% | 1,147 |
| Loan and lease loss provision to assets | 0.2275% | 886 |
| Net operating income to assets | 1.8710% | 431 |
| Return on assets (ROA) | 1.8710% | 448 |
| Pretax return on assets | 1.8710% | 757 |
| Return on Equity (ROE) | 17.7377% | 377 |
| Retained earnings to average equity (ytd only) | -15.0000% | 5,891 |
| Net charge-offs to loans | 0.1669% | 1,371 |
| Credit loss provision to net charge-offs | 182.6087% | 1,540 |
| Earnings coverage of net charge-offs (x) | 16.8427% | 2,089 |
| Efficiency ratio | 62.5186% | 4,137 |
| Assets per employee ($millions) | 2.6555% | 5,633 |
| Cash dividends to net income (ytd only)* | 184.5657% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 2,581 |
| Loan loss allowance to noncurrent loans | 178.6740% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 3,232 |
| Noncurrent loans to loans | 0.7384% | 2,830 |
| Net loans and leases to total assets | 74.6675% | 1,764 |
| Net loans and leases to deposits | 82.8441% | 2,630 |
| Net loans and leases to core deposits | 92.5922% | 2,323 |
| Total domestic deposits to total assets | 90.1302% | 438 |
| Equity capital to assets | 9.4679% | 4,691 |
| Core capital (leverage) ratio | 9.4290% | 4,289 |
| Tier 1 risk-based capital ratio | 13.2048% | 4,033 |
| Total risk-based capital ratio | 14.4562% | 3,938 |
| Memoranda: | ||
| Average total assets | $319,971,250 | 2,063 |
| Average earning assets | $304,402,000 | 2,018 |
| Average equity | $33,750,250 | 2,160 |
| Average total loans | $238,889,250 | 1,857 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0364% | 550 |
| Cost of funding earning assets | 0.3148% | 3,964 |
| Net interest margin | 4.7217% | 410 |
| Noninterest income to average assets | 1.0457% | 1,024 |
| Noninterest expense to average assets | 3.4352% | 1,305 |
| Loan and lease loss provision to assets | 0.2235% | 926 |
| Net operating income to assets | 1.8780% | 414 |
| Return on assets (ROA) | 1.8780% | 435 |
| Pretax return on assets | 1.8780% | 731 |
| Return on Equity (ROE) | 17.2073% | 421 |
| Retained earnings to average equity (ytd only) | 2.7605% | 4,142 |
| Net charge-offs to loans | 0.1723% | 1,308 |
| Credit loss provision to net charge-offs | 174.5098% | 1,436 |
| Earnings coverage of net charge-offs (x) | 16.4118% | 1,931 |
| Efficiency ratio | 62.0451% | 4,344 |
| Assets per employee ($millions) | 2.7382% | 5,653 |
| Cash dividends to net income (ytd only)* | 83.9572% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 2,822 |
| Loan loss allowance to noncurrent loans | 240.3522% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 3,726 |
| Noncurrent loans to loans | 0.5382% | 3,464 |
| Net loans and leases to total assets | 74.1324% | 1,816 |
| Net loans and leases to deposits | 83.4971% | 2,528 |
| Net loans and leases to core deposits | 93.3104% | 2,228 |
| Total domestic deposits to total assets | 88.7844% | 1,018 |
| Equity capital to assets | 10.8597% | 3,222 |
| Core capital (leverage) ratio | 10.7606% | 2,689 |
| Tier 1 risk-based capital ratio | 15.2013% | 2,986 |
| Total risk-based capital ratio | 16.4526% | 2,917 |
| Memoranda: | ||
| Average total assets | $318,639,330 | 2,084 |
| Average earning assets | $303,072,000 | 2,037 |
| Average equity | $34,776,000 | 2,102 |
| Average total loans | $236,808,330 | 1,872 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1055% | 494 |
| Cost of funding earning assets | 0.3152% | 4,005 |
| Net interest margin | 4.7903% | 363 |
| Noninterest income to average assets | 1.0227% | 1,029 |
| Noninterest expense to average assets | 3.2945% | 1,617 |
| Loan and lease loss provision to assets | 0.2099% | 925 |
| Net operating income to assets | 2.0720% | 294 |
| Return on assets (ROA) | 2.0720% | 306 |
| Pretax return on assets | 2.0720% | 493 |
| Return on Equity (ROE) | 18.9370% | 302 |
| Retained earnings to average equity (ytd only) | 3.0156% | 4,005 |
| Net charge-offs to loans | 0.2275% | 899 |
| Credit loss provision to net charge-offs | 124.8120% | 1,408 |
| Earnings coverage of net charge-offs (x) | 13.5714% | 1,729 |
| Efficiency ratio | 59.0796% | 4,864 |
| Assets per employee ($millions) | 2.9575% | 5,543 |
| Cash dividends to net income (ytd only)* | 84.0757% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 2,986 |
| Loan loss allowance to noncurrent loans | 228.0967% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4364% | 3,838 |
| Noncurrent loans to loans | 0.5631% | 3,500 |
| Net loans and leases to total assets | 72.6617% | 1,928 |
| Net loans and leases to deposits | 81.8946% | 2,555 |
| Net loans and leases to core deposits | 91.6262% | 2,222 |
| Total domestic deposits to total assets | 88.7259% | 1,236 |
| Equity capital to assets | 10.8975% | 3,048 |
| Core capital (leverage) ratio | 10.9828% | 2,419 |
| Tier 1 risk-based capital ratio | 14.9602% | 3,181 |
| Total risk-based capital ratio | 16.2107% | 3,112 |
| Memoranda: | ||
| Average total assets | $316,407,500 | 2,105 |
| Average earning assets | $300,773,500 | 2,055 |
| Average equity | $34,620,000 | 2,109 |
| Average total loans | $233,881,000 | 1,886 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2247% | 412 |
| Cost of funding earning assets | 0.3459% | 3,737 |
| Net interest margin | 4.8788% | 311 |
| Noninterest income to average assets | 0.9014% | 1,442 |
| Noninterest expense to average assets | 3.2661% | 1,797 |
| Loan and lease loss provision to assets | 0.1691% | 1,356 |
| Net operating income to assets | 2.1098% | 289 |
| Return on assets (ROA) | 2.1098% | 294 |
| Pretax return on assets | 2.1098% | 417 |
| Return on Equity (ROE) | 20.3422% | 233 |
| Retained earnings to average equity (ytd only) | 14.5275% | 147 |
| Net charge-offs to loans | 0.2091% | 1,408 |
| Credit loss provision to net charge-offs | 106.6937% | 2,359 |
| Earnings coverage of net charge-offs (x) | 14.3793% | 2,304 |
| Efficiency ratio | 58.9020% | 5,038 |
| Assets per employee ($millions) | 2.8752% | 5,639 |
| Cash dividends to net income (ytd only)* | 28.5845% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 3,002 |
| Loan loss allowance to noncurrent loans | 167.5266% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.6034% | 3,271 |
| Noncurrent loans to loans | 0.7664% | 2,877 |
| Net loans and leases to total assets | 73.2810% | 1,842 |
| Net loans and leases to deposits | 82.7284% | 2,508 |
| Net loans and leases to core deposits | 92.5714% | 2,169 |
| Total domestic deposits to total assets | 88.5802% | 1,337 |
| Equity capital to assets | 10.9865% | 2,835 |
| Core capital (leverage) ratio | 10.9113% | 2,483 |
| Tier 1 risk-based capital ratio | 15.7891% | 2,787 |
| Total risk-based capital ratio | 17.0403% | 2,723 |
| Memoranda: | ||
| Average total assets | $311,076,000 | 2,086 |
| Average earning assets | $296,074,200 | 2,041 |
| Average equity | $32,263,000 | 2,185 |
| Average total loans | $235,765,200 | 1,833 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2791% | 385 |
| Cost of funding earning assets | 0.3486% | 3,772 |
| Net interest margin | 4.9306% | 295 |
| Noninterest income to average assets | 0.8739% | 1,531 |
| Noninterest expense to average assets | 3.1987% | 1,971 |
| Loan and lease loss provision to assets | 0.1589% | 1,351 |
| Net operating income to assets | 2.2115% | 257 |
| Return on assets (ROA) | 2.2115% | 266 |
| Pretax return on assets | 2.2115% | 400 |
| Return on Equity (ROE) | 21.6467% | 202 |
| Retained earnings to average equity (ytd only) | 13.7614% | 224 |
| Net charge-offs to loans | 0.1533% | 1,609 |
| Credit loss provision to net charge-offs | 136.0294% | 1,812 |
| Earnings coverage of net charge-offs (x) | 20.2940% | 1,879 |
| Efficiency ratio | 57.4370% | 5,189 |
| Assets per employee ($millions) | 2.7280% | 5,818 |
| Cash dividends to net income (ytd only)* | 36.4271% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 3,150 |
| Loan loss allowance to noncurrent loans | 218.4681% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 3,978 |
| Noncurrent loans to loans | 0.5905% | 3,558 |
| Net loans and leases to total assets | 75.7573% | 1,420 |
| Net loans and leases to deposits | 85.4503% | 2,212 |
| Net loans and leases to core deposits | 98.1540% | 1,686 |
| Total domestic deposits to total assets | 88.6565% | 1,198 |
| Equity capital to assets | 10.7683% | 3,282 |
| Core capital (leverage) ratio | 10.6809% | 2,849 |
| Tier 1 risk-based capital ratio | 15.0498% | 3,268 |
| Total risk-based capital ratio | 16.3012% | 3,204 |
| Memoranda: | ||
| Average total assets | $310,494,500 | 2,102 |
| Average earning assets | $295,672,500 | 2,055 |
| Average equity | $31,720,750 | 2,232 |
| Average total loans | $236,543,750 | 1,830 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2795% | 373 |
| Cost of funding earning assets | 0.3484% | 3,823 |
| Net interest margin | 4.9311% | 285 |
| Noninterest income to average assets | 0.7827% | 1,854 |
| Noninterest expense to average assets | 3.1384% | 2,147 |
| Loan and lease loss provision to assets | 0.1510% | 1,408 |
| Net operating income to assets | 2.1861% | 263 |
| Return on assets (ROA) | 2.1861% | 280 |
| Pretax return on assets | 2.1861% | 427 |
| Return on Equity (ROE) | 21.7872% | 202 |
| Retained earnings to average equity (ytd only) | 13.7179% | 250 |
| Net charge-offs to loans | 0.1142% | 1,864 |
| Credit loss provision to net charge-offs | 174.0741% | 1,381 |
| Earnings coverage of net charge-offs (x) | 26.9407% | 1,465 |
| Efficiency ratio | 57.3172% | 5,303 |
| Assets per employee ($millions) | 2.8985% | 5,710 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 3,214 |
| Loan loss allowance to noncurrent loans | 325.2396% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 4,654 |
| Noncurrent loans to loans | 0.4016% | 4,275 |
| Net loans and leases to total assets | 75.1159% | 1,489 |
| Net loans and leases to deposits | 84.2888% | 2,280 |
| Net loans and leases to core deposits | 96.1957% | 1,778 |
| Total domestic deposits to total assets | 89.1173% | 1,084 |
| Equity capital to assets | 10.4300% | 3,519 |
| Core capital (leverage) ratio | 10.1501% | 3,397 |
| Tier 1 risk-based capital ratio | 15.0190% | 3,348 |
| Total risk-based capital ratio | 16.2712% | 3,276 |
| Memoranda: | ||
| Average total assets | $311,237,330 | 2,114 |
| Average earning assets | $296,200,330 | 2,069 |
| Average equity | $31,229,330 | 2,270 |
| Average total loans | $236,529,670 | 1,829 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3229% | 341 |
| Cost of funding earning assets | 0.3451% | 3,928 |
| Net interest margin | 4.9778% | 258 |
| Noninterest income to average assets | 0.6896% | 2,206 |
| Noninterest expense to average assets | 2.9447% | 2,760 |
| Loan and lease loss provision to assets | 0.1660% | 1,208 |
| Net operating income to assets | 2.3126% | 196 |
| Return on assets (ROA) | 2.3126% | 211 |
| Pretax return on assets | 2.3126% | 318 |
| Return on Equity (ROE) | 23.5031% | 141 |
| Retained earnings to average equity (ytd only) | 23.5031% | 57 |
| Net charge-offs to loans | 0.2169% | 1,078 |
| Credit loss provision to net charge-offs | 100.7752% | 1,598 |
| Earnings coverage of net charge-offs (x) | 15.0465% | 1,644 |
| Efficiency ratio | 54.2972% | 5,650 |
| Assets per employee ($millions) | 2.9468% | 5,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 3,719 |
| Loan loss allowance to noncurrent loans | 338.8761% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 4,836 |
| Noncurrent loans to loans | 0.3673% | 4,490 |
| Net loans and leases to total assets | 75.0638% | 1,342 |
| Net loans and leases to deposits | 83.9671% | 2,081 |
| Net loans and leases to core deposits | 95.3189% | 1,668 |
| Total domestic deposits to total assets | 89.3967% | 1,047 |
| Equity capital to assets | 10.1727% | 3,918 |
| Core capital (leverage) ratio | 10.1377% | 3,418 |
| Tier 1 risk-based capital ratio | 14.3093% | 3,823 |
| Total risk-based capital ratio | 15.5603% | 3,746 |
| Memoranda: | ||
| Average total assets | $313,236,000 | 2,118 |
| Average earning assets | $297,881,000 | 2,066 |
| Average equity | $30,821,500 | 2,304 |
| Average total loans | $237,874,500 | 1,826 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4750% | 335 |
| Cost of funding earning assets | 0.3578% | 4,165 |
| Net interest margin | 5.1172% | 247 |
| Noninterest income to average assets | 0.6705% | 2,448 |
| Noninterest expense to average assets | 3.1532% | 2,349 |
| Loan and lease loss provision to assets | 0.2446% | 946 |
| Net operating income to assets | 2.1116% | 268 |
| Return on assets (ROA) | 2.1116% | 274 |
| Pretax return on assets | 2.1116% | 399 |
| Return on Equity (ROE) | 19.6791% | 272 |
| Retained earnings to average equity (ytd only) | 0.5925% | 5,507 |
| Net charge-offs to loans | 0.1252% | 2,780 |
| Credit loss provision to net charge-offs | 256.9343% | 995 |
| Earnings coverage of net charge-offs (x) | 24.7518% | 1,519 |
| Efficiency ratio | 57.2329% | 5,543 |
| Assets per employee ($millions) | 2.9084% | 5,819 |
| Cash dividends to net income (ytd only)* | 96.9891% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 3,774 |
| Loan loss allowance to noncurrent loans | 420.7977% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 5,111 |
| Noncurrent loans to loans | 0.2946% | 4,795 |
| Net loans and leases to total assets | 74.9321% | 1,429 |
| Net loans and leases to deposits | 83.2200% | 2,308 |
| Net loans and leases to core deposits | 94.0761% | 1,913 |
| Total domestic deposits to total assets | 90.0410% | 713 |
| Equity capital to assets | 9.5085% | 4,708 |
| Core capital (leverage) ratio | 9.7719% | 3,871 |
| Tier 1 risk-based capital ratio | 13.5246% | 4,396 |
| Total risk-based capital ratio | 14.7758% | 4,334 |
| Memoranda: | ||
| Average total assets | $287,833,400 | 2,229 |
| Average earning assets | $272,181,800 | 2,181 |
| Average equity | $30,885,600 | 2,227 |
| Average total loans | $218,815,800 | 1,909 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5098% | 315 |
| Cost of funding earning assets | 0.3599% | 4,232 |
| Net interest margin | 5.1499% | 219 |
| Noninterest income to average assets | 0.7049% | 2,305 |
| Noninterest expense to average assets | 3.1642% | 2,279 |
| Loan and lease loss provision to assets | 0.2176% | 1,055 |
| Net operating income to assets | 2.1867% | 246 |
| Return on assets (ROA) | 2.1867% | 249 |
| Pretax return on assets | 2.1867% | 375 |
| Return on Equity (ROE) | 19.7510% | 299 |
| Retained earnings to average equity (ytd only) | 12.5280% | 372 |
| Net charge-offs to loans | 0.1234% | 2,577 |
| Credit loss provision to net charge-offs | 231.8182% | 1,123 |
| Earnings coverage of net charge-offs (x) | 25.6165% | 1,505 |
| Efficiency ratio | 56.8230% | 5,573 |
| Assets per employee ($millions) | 2.7175% | 6,068 |
| Cash dividends to net income (ytd only)* | 36.5706% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 4,262 |
| Loan loss allowance to noncurrent loans | 557.0000% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 5,495 |
| Noncurrent loans to loans | 0.2145% | 5,260 |
| Net loans and leases to total assets | 79.2127% | 807 |
| Net loans and leases to deposits | 89.8328% | 1,441 |
| Net loans and leases to core deposits | 102.2267% | 1,204 |
| Total domestic deposits to total assets | 88.1779% | 1,672 |
| Equity capital to assets | 11.2447% | 2,707 |
| Core capital (leverage) ratio | 11.3527% | 2,172 |
| Tier 1 risk-based capital ratio | 15.0795% | 3,543 |
| Total risk-based capital ratio | 16.3302% | 3,479 |
| Memoranda: | ||
| Average total assets | $281,265,000 | 2,280 |
| Average earning assets | $265,627,750 | 2,243 |
| Average equity | $31,140,250 | 2,220 |
| Average total loans | $213,939,500 | 1,956 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4439% | 346 |
| Cost of funding earning assets | 0.3561% | 4,365 |
| Net interest margin | 5.0878% | 241 |
| Noninterest income to average assets | 0.7034% | 2,261 |
| Noninterest expense to average assets | 3.2154% | 2,145 |
| Loan and lease loss provision to assets | 0.1611% | 1,540 |
| Net operating income to assets | 2.1252% | 265 |
| Return on assets (ROA) | 2.1252% | 278 |
| Pretax return on assets | 2.1252% | 427 |
| Return on Equity (ROE) | 19.3001% | 337 |
| Retained earnings to average equity (ytd only) | 10.9334% | 545 |
| Net charge-offs to loans | 0.0983% | 2,695 |
| Credit loss provision to net charge-offs | 219.6078% | 1,085 |
| Earnings coverage of net charge-offs (x) | 31.1667% | 1,223 |
| Efficiency ratio | 58.4444% | 5,497 |
| Assets per employee ($millions) | 2.6803% | 6,148 |
| Cash dividends to net income (ytd only)* | 43.3503% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 4,296 |
| Loan loss allowance to noncurrent loans | 433.0606% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 5,467 |
| Noncurrent loans to loans | 0.2833% | 5,170 |
| Net loans and leases to total assets | 75.7047% | 1,207 |
| Net loans and leases to deposits | 85.7406% | 1,847 |
| Net loans and leases to core deposits | 97.1501% | 1,512 |
| Total domestic deposits to total assets | 88.2951% | 1,738 |
| Equity capital to assets | 11.1865% | 2,708 |
| Core capital (leverage) ratio | 11.1954% | 2,249 |
| Tier 1 risk-based capital ratio | 15.6227% | 3,283 |
| Total risk-based capital ratio | 16.8734% | 3,230 |
| Memoranda: | ||
| Average total assets | $278,097,000 | 2,309 |
| Average earning assets | $262,274,670 | 2,267 |
| Average equity | $30,621,670 | 2,238 |
| Average total loans | $207,549,000 | 1,996 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3190% | 398 |
| Cost of funding earning assets | 0.3551% | 4,490 |
| Net interest margin | 4.9639% | 292 |
| Noninterest income to average assets | 0.6917% | 2,214 |
| Noninterest expense to average assets | 3.0981% | 2,540 |
| Loan and lease loss provision to assets | 0.1302% | 1,866 |
| Net operating income to assets | 2.1358% | 269 |
| Return on assets (ROA) | 2.1358% | 283 |
| Pretax return on assets | 2.1358% | 402 |
| Return on Equity (ROE) | 19.5552% | 324 |
| Retained earnings to average equity (ytd only) | 14.1762% | 379 |
| Net charge-offs to loans | 0.1199% | 2,007 |
| Credit loss provision to net charge-offs | 147.5410% | 1,277 |
| Earnings coverage of net charge-offs (x) | 25.6721% | 1,142 |
| Efficiency ratio | 57.7556% | 5,672 |
| Assets per employee ($millions) | 2.6360% | 6,260 |
| Cash dividends to net income (ytd only)* | 27.5068% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 4,447 |
| Loan loss allowance to noncurrent loans | 593.7209% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 5,704 |
| Noncurrent loans to loans | 0.2083% | 5,475 |
| Net loans and leases to total assets | 73.6631% | 1,319 |
| Net loans and leases to deposits | 83.3128% | 1,904 |
| Net loans and leases to core deposits | 93.1943% | 1,620 |
| Total domestic deposits to total assets | 88.4175% | 1,984 |
| Equity capital to assets | 11.1092% | 2,619 |
| Core capital (leverage) ratio | 11.2296% | 2,195 |
| Tier 1 risk-based capital ratio | 15.8900% | 3,225 |
| Total risk-based capital ratio | 17.1409% | 3,186 |
| Memoranda: | ||
| Average total assets | $276,431,000 | 2,326 |
| Average earning assets | $260,198,000 | 2,288 |
| Average equity | $30,191,500 | 2,264 |
| Average total loans | $203,473,000 | 2,023 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6430% | 289 |
| Cost of funding earning assets | 0.3508% | 5,126 |
| Net interest margin | 5.2923% | 188 |
| Noninterest income to average assets | 0.8197% | 1,985 |
| Noninterest expense to average assets | 3.3793% | 1,925 |
| Loan and lease loss provision to assets | 0.2119% | 1,740 |
| Net operating income to assets | 2.1690% | 253 |
| Return on assets (ROA) | 2.1690% | 255 |
| Pretax return on assets | 2.1690% | 327 |
| Return on Equity (ROE) | 19.4384% | 313 |
| Retained earnings to average equity (ytd only) | 7.8180% | 1,117 |
| Net charge-offs to loans | 0.0688% | 4,245 |
| Credit loss provision to net charge-offs | 420.9302% | 545 |
| Earnings coverage of net charge-offs (x) | 47.2868% | 830 |
| Efficiency ratio | 58.6665% | 5,653 |
| Assets per employee ($millions) | 2.6804% | 6,243 |
| Cash dividends to net income (ytd only)* | 59.7805% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 4,349 |
| Loan loss allowance to noncurrent loans | 905.0179% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 5,910 |
| Noncurrent loans to loans | 0.1391% | 5,784 |
| Net loans and leases to total assets | 71.7118% | 1,731 |
| Net loans and leases to deposits | 80.7416% | 2,355 |
| Net loans and leases to core deposits | 89.9747% | 2,028 |
| Total domestic deposits to total assets | 88.8164% | 1,739 |
| Equity capital to assets | 10.7341% | 2,896 |
| Core capital (leverage) ratio | 11.0395% | 2,354 |
| Tier 1 risk-based capital ratio | 15.6182% | 3,295 |
| Total risk-based capital ratio | 16.8690% | 3,254 |
| Memoranda: | ||
| Average total assets | $256,206,200 | 2,470 |
| Average earning assets | $239,179,400 | 2,428 |
| Average equity | $28,587,800 | 2,334 |
| Average total loans | $187,482,800 | 2,127 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7235% | 270 |
| Cost of funding earning assets | 0.3459% | 5,335 |
| Net interest margin | 5.3777% | 171 |
| Noninterest income to average assets | 0.8576% | 1,904 |
| Noninterest expense to average assets | 3.4474% | 1,719 |
| Loan and lease loss provision to assets | 0.2351% | 1,536 |
| Net operating income to assets | 2.1838% | 269 |
| Return on assets (ROA) | 2.1838% | 278 |
| Pretax return on assets | 2.1838% | 403 |
| Return on Equity (ROE) | 19.3692% | 346 |
| Retained earnings to average equity (ytd only) | 11.4144% | 510 |
| Net charge-offs to loans | 0.0673% | 3,956 |
| Credit loss provision to net charge-offs | 476.3441% | 563 |
| Earnings coverage of net charge-offs (x) | 49.0095% | 876 |
| Efficiency ratio | 58.7661% | 5,593 |
| Assets per employee ($millions) | 2.5404% | 6,437 |
| Cash dividends to net income (ytd only)* | 41.0693% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 4,749 |
| Loan loss allowance to noncurrent loans | 300.8557% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3340% | 5,405 |
| Noncurrent loans to loans | 0.4085% | 5,171 |
| Net loans and leases to total assets | 75.5963% | 1,055 |
| Net loans and leases to deposits | 85.8112% | 1,637 |
| Net loans and leases to core deposits | 92.9990% | 1,671 |
| Total domestic deposits to total assets | 88.0960% | 2,064 |
| Equity capital to assets | 11.3273% | 2,448 |
| Core capital (leverage) ratio | 11.5358% | 2,012 |
| Tier 1 risk-based capital ratio | 15.7450% | 3,328 |
| Total risk-based capital ratio | 16.9958% | 3,280 |
| Memoranda: | ||
| Average total assets | $251,237,000 | 2,534 |
| Average earning assets | $233,998,750 | 2,496 |
| Average equity | $28,326,000 | 2,382 |
| Average total loans | $184,226,250 | 2,165 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6823% | 284 |
| Cost of funding earning assets | 0.3437% | 5,459 |
| Net interest margin | 5.3386% | 173 |
| Noninterest income to average assets | 0.8783% | 1,896 |
| Noninterest expense to average assets | 3.5243% | 1,547 |
| Loan and lease loss provision to assets | 0.2244% | 1,688 |
| Net operating income to assets | 2.0947% | 305 |
| Return on assets (ROA) | 2.0947% | 320 |
| Pretax return on assets | 2.0947% | 499 |
| Return on Equity (ROE) | 18.6099% | 419 |
| Retained earnings to average equity (ytd only) | 9.4090% | 994 |
| Net charge-offs to loans | 0.0704% | 3,705 |
| Credit loss provision to net charge-offs | 441.2698% | 614 |
| Earnings coverage of net charge-offs (x) | 45.6032% | 847 |
| Efficiency ratio | 60.3122% | 5,436 |
| Assets per employee ($millions) | 2.3642% | 6,604 |
| Cash dividends to net income (ytd only)* | 49.4412% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 4,841 |
| Loan loss allowance to noncurrent loans | 341.9118% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 5,678 |
| Noncurrent loans to loans | 0.3593% | 5,377 |
| Net loans and leases to total assets | 74.6027% | 1,159 |
| Net loans and leases to deposits | 84.5880% | 1,727 |
| Net loans and leases to core deposits | 88.8748% | 2,016 |
| Total domestic deposits to total assets | 88.1954% | 2,110 |
| Equity capital to assets | 11.3098% | 2,454 |
| Core capital (leverage) ratio | 11.5432% | 1,902 |
| Tier 1 risk-based capital ratio | 16.0316% | 3,170 |
| Total risk-based capital ratio | 17.2825% | 3,119 |
| Memoranda: | ||
| Average total assets | $247,762,330 | 2,574 |
| Average earning assets | $230,433,000 | 2,535 |
| Average equity | $27,888,330 | 2,429 |
| Average total loans | $178,879,330 | 2,213 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5274% | 353 |
| Cost of funding earning assets | 0.3495% | 5,537 |
| Net interest margin | 5.1779% | 201 |
| Noninterest income to average assets | 0.8232% | 2,029 |
| Noninterest expense to average assets | 3.4148% | 1,795 |
| Loan and lease loss provision to assets | 0.1624% | 2,241 |
| Net operating income to assets | 2.0817% | 301 |
| Return on assets (ROA) | 2.0817% | 328 |
| Pretax return on assets | 2.0817% | 509 |
| Return on Equity (ROE) | 18.5387% | 400 |
| Retained earnings to average equity (ytd only) | 12.6532% | 600 |
| Net charge-offs to loans | 0.0484% | 3,358 |
| Credit loss provision to net charge-offs | 476.1905% | 552 |
| Earnings coverage of net charge-offs (x) | 65.8095% | 549 |
| Efficiency ratio | 60.3443% | 5,541 |
| Assets per employee ($millions) | 2.3549% | 6,689 |
| Cash dividends to net income (ytd only)* | 31.7473% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 4,959 |
| Loan loss allowance to noncurrent loans | 284.2857% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 5,648 |
| Noncurrent loans to loans | 0.4389% | 5,324 |
| Net loans and leases to total assets | 70.0710% | 1,645 |
| Net loans and leases to deposits | 79.4294% | 2,158 |
| Net loans and leases to core deposits | 83.5001% | 2,387 |
| Total domestic deposits to total assets | 88.2179% | 2,181 |
| Equity capital to assets | 11.3530% | 2,579 |
| Core capital (leverage) ratio | 11.5021% | 1,884 |
| Tier 1 risk-based capital ratio | 16.8562% | 2,830 |
| Total risk-based capital ratio | 18.1069% | 2,793 |
| Memoranda: | ||
| Average total assets | $246,341,000 | 2,618 |
| Average earning assets | $230,054,000 | 2,568 |
| Average equity | $27,661,000 | 2,473 |
| Average total loans | $173,677,500 | 2,285 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7391% | 407 |
| Cost of funding earning assets | 0.3885% | 5,988 |
| Net interest margin | 5.3506% | 214 |
| Noninterest income to average assets | 0.9384% | 1,747 |
| Noninterest expense to average assets | 3.5638% | 1,694 |
| Loan and lease loss provision to assets | 0.1671% | 3,524 |
| Net operating income to assets | 2.2124% | 252 |
| Return on assets (ROA) | 2.2124% | 275 |
| Pretax return on assets | 2.2124% | 400 |
| Return on Equity (ROE) | 19.2427% | 344 |
| Retained earnings to average equity (ytd only) | 8.0370% | 1,111 |
| Net charge-offs to loans | 0.0829% | 4,849 |
| Credit loss provision to net charge-offs | 284.4444% | 856 |
| Earnings coverage of net charge-offs (x) | 40.4963% | 791 |
| Efficiency ratio | 59.9634% | 5,544 |
| Assets per employee ($millions) | 2.4060% | 6,699 |
| Cash dividends to net income (ytd only)* | 58.2333% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 4,989 |
| Loan loss allowance to noncurrent loans | 256.3791% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 5,662 |
| Noncurrent loans to loans | 0.4788% | 5,327 |
| Net loans and leases to total assets | 69.1863% | 1,998 |
| Net loans and leases to deposits | 78.2285% | 2,489 |
| Net loans and leases to core deposits | 82.3816% | 2,730 |
| Total domestic deposits to total assets | 88.4413% | 1,932 |
| Equity capital to assets | 11.1036% | 2,830 |
| Core capital (leverage) ratio | 11.3839% | 1,948 |
| Tier 1 risk-based capital ratio | 16.3242% | 2,984 |
| Total risk-based capital ratio | 17.5742% | 2,941 |
| Memoranda: | ||
| Average total assets | $229,751,600 | 2,725 |
| Average earning assets | $214,910,600 | 2,679 |
| Average equity | $26,415,200 | 2,531 |
| Average total loans | $162,753,000 | 2,390 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7639% | 418 |
| Cost of funding earning assets | 0.3939% | 6,154 |
| Net interest margin | 5.3700% | 212 |
| Noninterest income to average assets | 0.9753% | 1,578 |
| Noninterest expense to average assets | 3.5470% | 1,658 |
| Loan and lease loss provision to assets | 0.1889% | 3,228 |
| Net operating income to assets | 2.2624% | 257 |
| Return on assets (ROA) | 2.2624% | 282 |
| Pretax return on assets | 2.2624% | 429 |
| Return on Equity (ROE) | 19.4960% | 364 |
| Retained earnings to average equity (ytd only) | 11.8797% | 548 |
| Net charge-offs to loans | 0.0640% | 4,783 |
| Credit loss provision to net charge-offs | 415.5844% | 645 |
| Earnings coverage of net charge-offs (x) | 53.9242% | 717 |
| Efficiency ratio | 59.1339% | 5,641 |
| Assets per employee ($millions) | 2.3074% | 6,853 |
| Cash dividends to net income (ytd only)* | 39.0657% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 5,074 |
| Loan loss allowance to noncurrent loans | 558.0902% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 6,287 |
| Noncurrent loans to loans | 0.2230% | 6,053 |
| Net loans and leases to total assets | 71.6550% | 1,613 |
| Net loans and leases to deposits | 81.8548% | 2,139 |
| Net loans and leases to core deposits | 85.6796% | 2,503 |
| Total domestic deposits to total assets | 87.5392% | 2,323 |
| Equity capital to assets | 11.8549% | 2,388 |
| Core capital (leverage) ratio | 11.8928% | 1,722 |
| Tier 1 risk-based capital ratio | 16.6686% | 2,914 |
| Total risk-based capital ratio | 17.9188% | 2,873 |
| Memoranda: | ||
| Average total assets | $225,835,250 | 2,797 |
| Average earning assets | $211,241,250 | 2,748 |
| Average equity | $26,206,500 | 2,565 |
| Average total loans | $160,465,000 | 2,447 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6937% | 488 |
| Cost of funding earning assets | 0.4035% | 6,245 |
| Net interest margin | 5.2901% | 247 |
| Noninterest income to average assets | 0.9712% | 1,543 |
| Noninterest expense to average assets | 3.5715% | 1,638 |
| Loan and lease loss provision to assets | 0.1719% | 3,385 |
| Net operating income to assets | 2.1796% | 291 |
| Return on assets (ROA) | 2.1796% | 330 |
| Pretax return on assets | 2.1796% | 507 |
| Return on Equity (ROE) | 18.9251% | 419 |
| Retained earnings to average equity (ytd only) | 10.0960% | 951 |
| Net charge-offs to loans | 0.0508% | 4,693 |
| Credit loss provision to net charge-offs | 480.0000% | 626 |
| Earnings coverage of net charge-offs (x) | 65.6750% | 594 |
| Efficiency ratio | 60.2992% | 5,527 |
| Assets per employee ($millions) | 2.3541% | 6,861 |
| Cash dividends to net income (ytd only)* | 46.6530% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 5,215 |
| Loan loss allowance to noncurrent loans | 768.3206% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 6,352 |
| Noncurrent loans to loans | 0.1599% | 6,267 |
| Net loans and leases to total assets | 70.8668% | 1,764 |
| Net loans and leases to deposits | 80.6351% | 2,291 |
| Net loans and leases to core deposits | 84.8620% | 2,579 |
| Total domestic deposits to total assets | 87.8858% | 2,219 |
| Equity capital to assets | 11.5957% | 2,494 |
| Core capital (leverage) ratio | 11.6871% | 1,793 |
| Tier 1 risk-based capital ratio | 16.4745% | 2,935 |
| Total risk-based capital ratio | 17.7243% | 2,895 |
| Memoranda: | ||
| Average total assets | $223,432,670 | 2,836 |
| Average earning assets | $209,144,000 | 2,775 |
| Average equity | $25,733,000 | 2,603 |
| Average total loans | $157,589,670 | 2,495 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7236% | 495 |
| Cost of funding earning assets | 0.4155% | 6,337 |
| Net interest margin | 5.3082% | 243 |
| Noninterest income to average assets | 0.9304% | 1,627 |
| Noninterest expense to average assets | 3.4574% | 1,853 |
| Loan and lease loss provision to assets | 0.2100% | 2,849 |
| Net operating income to assets | 2.2356% | 271 |
| Return on assets (ROA) | 2.2356% | 324 |
| Pretax return on assets | 2.2356% | 507 |
| Return on Equity (ROE) | 19.4795% | 411 |
| Retained earnings to average equity (ytd only) | 13.8013% | 588 |
| Net charge-offs to loans | 0.0311% | 4,250 |
| Credit loss provision to net charge-offs | 966.6667% | 364 |
| Earnings coverage of net charge-offs (x) | 112.5833% | 313 |
| Efficiency ratio | 58.5710% | 5,836 |
| Assets per employee ($millions) | 2.4157% | 6,908 |
| Cash dividends to net income (ytd only)* | 29.1498% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 5,211 |
| Loan loss allowance to noncurrent loans | 694.3463% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 6,300 |
| Noncurrent loans to loans | 0.1811% | 6,323 |
| Net loans and leases to total assets | 68.6706% | 1,996 |
| Net loans and leases to deposits | 78.0054% | 2,507 |
| Net loans and leases to core deposits | 82.0159% | 2,833 |
| Total domestic deposits to total assets | 88.0331% | 2,299 |
| Equity capital to assets | 11.5222% | 2,424 |
| Core capital (leverage) ratio | 11.8027% | 1,711 |
| Tier 1 risk-based capital ratio | 16.9553% | 2,699 |
| Total risk-based capital ratio | 18.2059% | 2,657 |
| Memoranda: | ||
| Average total assets | $220,973,500 | 2,882 |
| Average earning assets | $207,001,000 | 2,812 |
| Average equity | $25,360,000 | 2,634 |
| Average total loans | $154,465,500 | 2,564 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0822% | 376 |
| Cost of funding earning assets | 0.4960% | 6,554 |
| Net interest margin | 5.5862% | 156 |
| Noninterest income to average assets | 0.9552% | 1,488 |
| Noninterest expense to average assets | 3.6984% | 1,541 |
| Loan and lease loss provision to assets | 0.1758% | 4,432 |
| Net operating income to assets | 2.3100% | 182 |
| Return on assets (ROA) | 2.3100% | 193 |
| Pretax return on assets | 2.3100% | 290 |
| Return on Equity (ROE) | 19.7639% | 271 |
| Retained earnings to average equity (ytd only) | 10.4714% | 479 |
| Net charge-offs to loans | 0.1071% | 5,289 |
| Credit loss provision to net charge-offs | 222.5000% | 1,090 |
| Earnings coverage of net charge-offs (x) | 31.4563% | 814 |
| Efficiency ratio | 59.8035% | 5,790 |
| Assets per employee ($millions) | 2.5867% | 6,741 |
| Cash dividends to net income (ytd only)* | 47.0173% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 5,302 |
| Loan loss allowance to noncurrent loans | 474.7449% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.2715% | 6,285 |
| Noncurrent loans to loans | 0.2567% | 6,216 |
| Net loans and leases to total assets | 69.4150% | 2,140 |
| Net loans and leases to deposits | 78.8323% | 2,705 |
| Net loans and leases to core deposits | 83.9216% | 2,905 |
| Total domestic deposits to total assets | 88.0540% | 2,116 |
| Equity capital to assets | 11.4292% | 2,566 |
| Core capital (leverage) ratio | 11.9442% | 1,627 |
| Tier 1 risk-based capital ratio | 16.9062% | 2,645 |
| Total risk-based capital ratio | 18.1555% | 2,607 |
| Memoranda: | ||
| Average total assets | $202,463,400 | 3,031 |
| Average earning assets | $189,519,800 | 2,969 |
| Average equity | $23,664,400 | 2,709 |
| Average total loans | $149,441,400 | 2,650 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1652% | 349 |
| Cost of funding earning assets | 0.5096% | 6,660 |
| Net interest margin | 5.6556% | 143 |
| Noninterest income to average assets | 0.9546% | 1,473 |
| Noninterest expense to average assets | 3.7512% | 1,397 |
| Loan and lease loss provision to assets | 0.2147% | 3,875 |
| Net operating income to assets | 2.2814% | 217 |
| Return on assets (ROA) | 2.2814% | 235 |
| Pretax return on assets | 2.2814% | 368 |
| Return on Equity (ROE) | 19.4016% | 348 |
| Retained earnings to average equity (ytd only) | 12.4875% | 436 |
| Net charge-offs to loans | 0.0745% | 5,218 |
| Credit loss provision to net charge-offs | 385.5422% | 734 |
| Earnings coverage of net charge-offs (x) | 44.8329% | 704 |
| Efficiency ratio | 60.0451% | 5,713 |
| Assets per employee ($millions) | 2.7529% | 6,570 |
| Cash dividends to net income (ytd only)* | 35.6366% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 5,320 |
| Loan loss allowance to noncurrent loans | 496.6057% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.2968% | 6,319 |
| Noncurrent loans to loans | 0.2489% | 6,375 |
| Net loans and leases to total assets | 72.6381% | 1,577 |
| Net loans and leases to deposits | 82.9093% | 2,189 |
| Net loans and leases to core deposits | 88.2353% | 2,458 |
| Total domestic deposits to total assets | 87.6115% | 2,284 |
| Equity capital to assets | 11.7466% | 2,454 |
| Core capital (leverage) ratio | 12.2953% | 1,537 |
| Tier 1 risk-based capital ratio | 16.7963% | 2,724 |
| Total risk-based capital ratio | 18.0465% | 2,694 |
| Memoranda: | ||
| Average total assets | $198,757,750 | 3,089 |
| Average earning assets | $186,007,000 | 3,023 |
| Average equity | $23,372,000 | 2,741 |
| Average total loans | $148,629,250 | 2,683 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2356% | 309 |
| Cost of funding earning assets | 0.5333% | 6,728 |
| Net interest margin | 5.7023% | 130 |
| Noninterest income to average assets | 1.0017% | 1,311 |
| Noninterest expense to average assets | 4.0272% | 1,008 |
| Loan and lease loss provision to assets | 0.2991% | 3,010 |
| Net operating income to assets | 2.0085% | 341 |
| Return on assets (ROA) | 2.0085% | 355 |
| Pretax return on assets | 2.0085% | 583 |
| Return on Equity (ROE) | 17.0739% | 543 |
| Retained earnings to average equity (ytd only) | 9.0637% | 1,084 |
| Net charge-offs to loans | 0.1035% | 4,651 |
| Credit loss provision to net charge-offs | 384.2105% | 786 |
| Earnings coverage of net charge-offs (x) | 29.6447% | 925 |
| Efficiency ratio | 63.5732% | 5,326 |
| Assets per employee ($millions) | 2.5891% | 6,806 |
| Cash dividends to net income (ytd only)* | 46.9148% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 5,259 |
| Loan loss allowance to noncurrent loans | 593.3754% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.2949% | 6,399 |
| Noncurrent loans to loans | 0.2123% | 6,480 |
| Net loans and leases to total assets | 73.9654% | 1,420 |
| Net loans and leases to deposits | 84.3546% | 2,053 |
| Net loans and leases to core deposits | 88.2870% | 2,604 |
| Total domestic deposits to total assets | 87.6840% | 2,354 |
| Equity capital to assets | 11.7051% | 2,322 |
| Core capital (leverage) ratio | 11.7811% | 1,731 |
| Tier 1 risk-based capital ratio | 16.5030% | 2,742 |
| Total risk-based capital ratio | 17.7539% | 2,698 |
| Memoranda: | ||
| Average total assets | $195,271,000 | 3,147 |
| Average earning assets | $182,627,330 | 3,092 |
| Average equity | $22,970,670 | 2,761 |
| Average total loans | $146,881,000 | 2,734 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2585% | 301 |
| Cost of funding earning assets | 0.5494% | 6,805 |
| Net interest margin | 5.7090% | 119 |
| Noninterest income to average assets | 1.0164% | 1,276 |
| Noninterest expense to average assets | 3.8876% | 1,191 |
| Loan and lease loss provision to assets | 0.3229% | 2,612 |
| Net operating income to assets | 2.1405% | 285 |
| Return on assets (ROA) | 2.1405% | 294 |
| Pretax return on assets | 2.1405% | 441 |
| Return on Equity (ROE) | 18.1495% | 468 |
| Retained earnings to average equity (ytd only) | 18.1495% | 235 |
| Net charge-offs to loans | 0.1593% | 3,528 |
| Credit loss provision to net charge-offs | 268.9655% | 1,170 |
| Earnings coverage of net charge-offs (x) | 20.5172% | 1,106 |
| Efficiency ratio | 61.2125% | 5,805 |
| Assets per employee ($millions) | 2.6259% | 6,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 5,642 |
| Loan loss allowance to noncurrent loans | 694.0945% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.2716% | 6,504 |
| Noncurrent loans to loans | 0.1727% | 6,619 |
| Net loans and leases to total assets | 72.8207% | 1,549 |
| Net loans and leases to deposits | 83.1482% | 2,163 |
| Net loans and leases to core deposits | 86.4688% | 2,810 |
| Total domestic deposits to total assets | 87.5794% | 2,624 |
| Equity capital to assets | 11.7221% | 2,107 |
| Core capital (leverage) ratio | 11.8771% | 1,631 |
| Tier 1 risk-based capital ratio | 16.9510% | 2,498 |
| Total risk-based capital ratio | 18.2012% | 2,471 |
| Memoranda: | ||
| Average total assets | $193,227,500 | 3,200 |
| Average earning assets | $180,555,500 | 3,139 |
| Average equity | $22,788,500 | 2,768 |
| Average total loans | $145,653,000 | 2,778 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3019% | 463 |
| Cost of funding earning assets | 0.6703% | 6,960 |
| Net interest margin | 5.6316% | 142 |
| Noninterest income to average assets | 1.0986% | 1,231 |
| Noninterest expense to average assets | 3.7202% | 1,655 |
| Loan and lease loss provision to assets | 0.3248% | 4,213 |
| Net operating income to assets | 2.2273% | 181 |
| Return on assets (ROA) | 2.2273% | 190 |
| Pretax return on assets | 2.2273% | 302 |
| Return on Equity (ROE) | 19.6425% | 274 |
| Retained earnings to average equity (ytd only) | 10.1696% | 488 |
| Net charge-offs to loans | 0.1658% | 5,342 |
| Credit loss provision to net charge-offs | 274.1228% | 996 |
| Earnings coverage of net charge-offs (x) | 21.5395% | 961 |
| Efficiency ratio | 59.3123% | 6,145 |
| Assets per employee ($millions) | 2.4271% | 7,098 |
| Cash dividends to net income (ytd only)* | 48.2268% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 5,715 |
| Loan loss allowance to noncurrent loans | 210.2273% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 6,192 |
| Noncurrent loans to loans | 0.5492% | 5,951 |
| Net loans and leases to total assets | 76.2767% | 1,227 |
| Net loans and leases to deposits | 87.3104% | 1,892 |
| Net loans and leases to core deposits | 90.4987% | 2,694 |
| Total domestic deposits to total assets | 87.3627% | 2,633 |
| Equity capital to assets | 11.8699% | 1,991 |
| Core capital (leverage) ratio | 11.9136% | 1,609 |
| Tier 1 risk-based capital ratio | 16.5033% | 2,518 |
| Total risk-based capital ratio | 17.7134% | 2,508 |
| Memoranda: | ||
| Average total assets | $192,434,000 | 3,196 |
| Average earning assets | $176,788,600 | 3,157 |
| Average equity | $21,820,000 | 2,899 |
| Average total loans | $137,502,600 | 2,995 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2245% | 588 |
| Cost of funding earning assets | 0.6963% | 7,071 |
| Net interest margin | 5.5282% | 163 |
| Noninterest income to average assets | 1.1213% | 1,114 |
| Noninterest expense to average assets | 3.6885% | 1,589 |
| Loan and lease loss provision to assets | 0.3268% | 3,972 |
| Net operating income to assets | 2.1634% | 256 |
| Return on assets (ROA) | 2.1634% | 273 |
| Pretax return on assets | 2.1634% | 440 |
| Return on Equity (ROE) | 19.2976% | 363 |
| Retained earnings to average equity (ytd only) | 11.9345% | 468 |
| Net charge-offs to loans | 0.1276% | 5,274 |
| Credit loss provision to net charge-offs | 365.3846% | 846 |
| Earnings coverage of net charge-offs (x) | 27.8460% | 925 |
| Efficiency ratio | 59.6972% | 6,000 |
| Assets per employee ($millions) | 2.3683% | 7,238 |
| Cash dividends to net income (ytd only)* | 38.1558% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 5,735 |
| Loan loss allowance to noncurrent loans | 198.8903% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 6,330 |
| Noncurrent loans to loans | 0.5753% | 6,057 |
| Net loans and leases to total assets | 75.4375% | 1,505 |
| Net loans and leases to deposits | 86.8061% | 2,183 |
| Net loans and leases to core deposits | 90.3840% | 3,043 |
| Total domestic deposits to total assets | 86.9035% | 2,583 |
| Equity capital to assets | 12.2033% | 2,032 |
| Core capital (leverage) ratio | 12.1416% | 1,592 |
| Tier 1 risk-based capital ratio | 16.5712% | 2,530 |
| Total risk-based capital ratio | 17.7628% | 2,509 |
| Memoranda: | ||
| Average total assets | $193,821,500 | 3,224 |
| Average earning assets | $177,317,000 | 3,196 |
| Average equity | $21,729,250 | 2,953 |
| Average total loans | $135,824,750 | 3,057 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0318% | 871 |
| Cost of funding earning assets | 0.7195% | 7,144 |
| Net interest margin | 5.3123% | 244 |
| Noninterest income to average assets | 1.1115% | 1,066 |
| Noninterest expense to average assets | 3.5499% | 1,913 |
| Loan and lease loss provision to assets | 0.3048% | 3,954 |
| Net operating income to assets | 2.0950% | 278 |
| Return on assets (ROA) | 2.0950% | 303 |
| Pretax return on assets | 2.0950% | 495 |
| Return on Equity (ROE) | 19.2189% | 371 |
| Retained earnings to average equity (ytd only) | 10.7279% | 704 |
| Net charge-offs to loans | 0.1372% | 4,849 |
| Credit loss provision to net charge-offs | 326.0870% | 1,121 |
| Earnings coverage of net charge-offs (x) | 25.6739% | 1,024 |
| Efficiency ratio | 59.6653% | 6,109 |
| Assets per employee ($millions) | 2.3855% | 7,244 |
| Cash dividends to net income (ytd only)* | 44.1804% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 5,995 |
| Loan loss allowance to noncurrent loans | 190.9444% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 6,356 |
| Noncurrent loans to loans | 0.5701% | 6,109 |
| Net loans and leases to total assets | 73.0119% | 2,165 |
| Net loans and leases to deposits | 83.5568% | 2,963 |
| Net loans and leases to core deposits | 86.5172% | 3,761 |
| Total domestic deposits to total assets | 87.3800% | 2,335 |
| Equity capital to assets | 11.8257% | 2,200 |
| Core capital (leverage) ratio | 11.5477% | 1,888 |
| Tier 1 risk-based capital ratio | 16.4584% | 2,488 |
| Total risk-based capital ratio | 17.5811% | 2,488 |
| Memoranda: | ||
| Average total assets | $196,852,330 | 3,205 |
| Average earning assets | $179,282,330 | 3,200 |
| Average equity | $21,458,000 | 2,983 |
| Average total loans | $134,110,330 | 3,119 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5613% | 2,315 |
| Cost of funding earning assets | 0.7070% | 7,318 |
| Net interest margin | 4.8543% | 576 |
| Noninterest income to average assets | 1.0460% | 1,167 |
| Noninterest expense to average assets | 3.3347% | 2,412 |
| Loan and lease loss provision to assets | 0.2949% | 3,672 |
| Net operating income to assets | 1.9387% | 388 |
| Return on assets (ROA) | 1.9387% | 423 |
| Pretax return on assets | 1.9387% | 682 |
| Return on Equity (ROE) | 18.4939% | 479 |
| Retained earnings to average equity (ytd only) | 13.0732% | 610 |
| Net charge-offs to loans | 0.2129% | 3,645 |
| Credit loss provision to net charge-offs | 211.2676% | 1,763 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,354 |
| Efficiency ratio | 59.8870% | 6,197 |
| Assets per employee ($millions) | 2.9012% | 6,437 |
| Cash dividends to net income (ytd only)* | 29.3103% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 6,463 |
| Loan loss allowance to noncurrent loans | 171.3740% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.6467% | 5,906 |
| Noncurrent loans to loans | 0.5842% | 6,138 |
| Net loans and leases to total assets | 60.4121% | 5,049 |
| Net loans and leases to deposits | 67.3128% | 5,676 |
| Net loans and leases to core deposits | 73.4855% | 5,551 |
| Total domestic deposits to total assets | 89.7482% | 1,112 |
| Equity capital to assets | 9.6916% | 4,238 |
| Core capital (leverage) ratio | 11.6587% | 1,826 |
| Tier 1 risk-based capital ratio | 15.1735% | 3,027 |
| Total risk-based capital ratio | 16.1383% | 3,126 |
| Memoranda: | ||
| Average total assets | $203,436,000 | 3,176 |
| Average earning assets | $189,524,000 | 3,124 |
| Average equity | $21,326,000 | 3,028 |
| Average total loans | $133,371,500 | 3,197 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8264% | 364 |
| Cost of funding earning assets | 0.8867% | 7,428 |
| Net interest margin | 5.9397% | 120 |
| Noninterest income to average assets | 1.2150% | 1,039 |
| Noninterest expense to average assets | 4.0903% | 1,247 |
| Loan and lease loss provision to assets | 0.2521% | 5,379 |
| Net operating income to assets | 2.2624% | 128 |
| Return on assets (ROA) | 2.2624% | 139 |
| Pretax return on assets | 2.2624% | 242 |
| Return on Equity (ROE) | 19.2723% | 282 |
| Retained earnings to average equity (ytd only) | 9.4621% | 434 |
| Net charge-offs to loans | 0.2350% | 5,155 |
| Credit loss provision to net charge-offs | 148.4746% | 3,149 |
| Earnings coverage of net charge-offs (x) | 14.8102% | 1,349 |
| Efficiency ratio | 61.9292% | 6,167 |
| Assets per employee ($millions) | 2.3895% | 7,365 |
| Cash dividends to net income (ytd only)* | 50.9031% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 6,584 |
| Loan loss allowance to noncurrent loans | 252.0875% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.4416% | 6,354 |
| Noncurrent loans to loans | 0.3805% | 6,516 |
| Net loans and leases to total assets | 70.2457% | 3,200 |
| Net loans and leases to deposits | 79.5990% | 4,067 |
| Net loans and leases to core deposits | 91.8882% | 4,900 |
| Total domestic deposits to total assets | 88.2495% | 1,859 |
| Equity capital to assets | 11.4190% | 2,377 |
| Core capital (leverage) ratio | 12.0611% | 1,637 |
| Tier 1 risk-based capital ratio | 16.5958% | 2,275 |
| Total risk-based capital ratio | 17.5901% | 2,328 |
| Memoranda: | ||
| Average total assets | $173,752,000 | 3,543 |
| Average earning assets | $157,668,000 | 3,562 |
| Average equity | $20,397,200 | 3,148 |
| Average total loans | $125,551,000 | 3,362 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9040% | 351 |
| Cost of funding earning assets | 0.9245% | 7,520 |
| Net interest margin | 5.9795% | 114 |
| Noninterest income to average assets | 1.2302% | 1,015 |
| Noninterest expense to average assets | 4.2126% | 1,018 |
| Loan and lease loss provision to assets | 0.2110% | 5,293 |
| Net operating income to assets | 2.2056% | 177 |
| Return on assets (ROA) | 2.2056% | 196 |
| Pretax return on assets | 2.2056% | 344 |
| Return on Equity (ROE) | 18.6490% | 389 |
| Retained earnings to average equity (ytd only) | 10.7189% | 510 |
| Net charge-offs to loans | 0.1647% | 5,072 |
| Credit loss provision to net charge-offs | 176.4706% | 2,617 |
| Earnings coverage of net charge-offs (x) | 20.2096% | 1,248 |
| Efficiency ratio | 63.5463% | 5,834 |
| Assets per employee ($millions) | 2.1916% | 7,621 |
| Cash dividends to net income (ytd only)* | 42.5231% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 6,519 |
| Loan loss allowance to noncurrent loans | 335.6757% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 6,984 |
| Noncurrent loans to loans | 0.2842% | 6,801 |
| Net loans and leases to total assets | 74.4919% | 2,385 |
| Net loans and leases to deposits | 85.2379% | 3,459 |
| Net loans and leases to core deposits | 98.6545% | 4,528 |
| Total domestic deposits to total assets | 87.3929% | 1,951 |
| Equity capital to assets | 12.1958% | 2,125 |
| Core capital (leverage) ratio | 11.9283% | 1,837 |
| Tier 1 risk-based capital ratio | 16.8987% | 2,309 |
| Total risk-based capital ratio | 17.9050% | 2,324 |
| Memoranda: | ||
| Average total assets | $170,594,250 | 3,621 |
| Average earning assets | $154,032,750 | 3,653 |
| Average equity | $20,175,750 | 3,203 |
| Average total loans | $123,890,250 | 3,427 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8225% | 435 |
| Cost of funding earning assets | 0.9514% | 7,619 |
| Net interest margin | 5.8711% | 121 |
| Noninterest income to average assets | 1.1888% | 1,107 |
| Noninterest expense to average assets | 4.1650% | 1,111 |
| Loan and lease loss provision to assets | 0.1414% | 5,656 |
| Net operating income to assets | 2.1538% | 212 |
| Return on assets (ROA) | 2.1538% | 235 |
| Pretax return on assets | 2.1538% | 393 |
| Return on Equity (ROE) | 18.4064% | 459 |
| Retained earnings to average equity (ytd only) | 9.2334% | 884 |
| Net charge-offs to loans | 0.1462% | 4,719 |
| Credit loss provision to net charge-offs | 134.8315% | 3,456 |
| Earnings coverage of net charge-offs (x) | 21.8876% | 1,243 |
| Efficiency ratio | 64.4720% | 5,810 |
| Assets per employee ($millions) | 2.1931% | 7,682 |
| Cash dividends to net income (ytd only)* | 49.8359% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 6,744 |
| Loan loss allowance to noncurrent loans | 152.8477% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 6,329 |
| Noncurrent loans to loans | 0.5924% | 6,071 |
| Net loans and leases to total assets | 74.7883% | 2,499 |
| Net loans and leases to deposits | 85.4612% | 3,654 |
| Net loans and leases to core deposits | 98.8007% | 4,619 |
| Total domestic deposits to total assets | 87.5114% | 2,012 |
| Equity capital to assets | 11.9989% | 2,206 |
| Core capital (leverage) ratio | 11.8872% | 1,881 |
| Tier 1 risk-based capital ratio | 16.5389% | 2,433 |
| Total risk-based capital ratio | 17.4860% | 2,482 |
| Memoranda: | ||
| Average total assets | $169,748,000 | 3,646 |
| Average earning assets | $152,408,000 | 3,695 |
| Average equity | $19,862,670 | 3,262 |
| Average total loans | $121,783,000 | 3,497 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7555% | 519 |
| Cost of funding earning assets | 0.9737% | 7,713 |
| Net interest margin | 5.7818% | 128 |
| Noninterest income to average assets | 1.1376% | 1,141 |
| Noninterest expense to average assets | 4.1366% | 1,016 |
| Loan and lease loss provision to assets | 0.0588% | 6,223 |
| Net operating income to assets | 2.0918% | 292 |
| Return on assets (ROA) | 2.0918% | 337 |
| Pretax return on assets | 2.0918% | 549 |
| Return on Equity (ROE) | 18.1051% | 588 |
| Retained earnings to average equity (ytd only) | 18.1051% | 228 |
| Net charge-offs to loans | 0.1782% | 3,573 |
| Credit loss provision to net charge-offs | 47.1698% | 4,724 |
| Earnings coverage of net charge-offs (x) | 17.2642% | 1,517 |
| Efficiency ratio | 65.7944% | 5,365 |
| Assets per employee ($millions) | 2.1995% | 7,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9011% | 6,748 |
| Loan loss allowance to noncurrent loans | 434.5238% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 7,119 |
| Noncurrent loans to loans | 0.2074% | 6,936 |
| Net loans and leases to total assets | 72.0400% | 3,234 |
| Net loans and leases to deposits | 82.2025% | 4,251 |
| Net loans and leases to core deposits | 93.7911% | 5,177 |
| Total domestic deposits to total assets | 87.6373% | 1,907 |
| Equity capital to assets | 12.0630% | 2,222 |
| Core capital (leverage) ratio | 11.8420% | 1,979 |
| Tier 1 risk-based capital ratio | 17.0002% | 2,339 |
| Total risk-based capital ratio | 17.9251% | 2,381 |
| Memoranda: | ||
| Average total assets | $170,189,000 | 3,646 |
| Average earning assets | $151,579,500 | 3,717 |
| Average equity | $19,663,000 | 3,311 |
| Average total loans | $118,951,500 | 3,584 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2630% | 643 |
| Cost of funding earning assets | 1.3716% | 7,776 |
| Net interest margin | 5.8914% | 123 |
| Noninterest income to average assets | 1.3364% | 807 |
| Noninterest expense to average assets | 4.1131% | 1,254 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.5006% | 125 |
| Return on assets (ROA) | 2.5006% | 127 |
| Pretax return on assets | 2.5006% | 195 |
| Return on Equity (ROE) | 21.7281% | 267 |
| Retained earnings to average equity (ytd only) | 8.2233% | 775 |
| Net charge-offs to loans | 0.1475% | 4,736 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 23.9053% | 1,394 |
| Efficiency ratio | 62.1900% | 5,915 |
| Assets per employee ($millions) | 2.2495% | 7,636 |
| Cash dividends to net income (ytd only)* | 62.1535% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 6,296 |
| Loan loss allowance to noncurrent loans | 976.5217% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 7,214 |
| Noncurrent loans to loans | 0.0988% | 7,117 |
| Net loans and leases to total assets | 66.5420% | 4,746 |
| Net loans and leases to deposits | 75.1168% | 5,721 |
| Net loans and leases to core deposits | 84.2408% | 6,271 |
| Total domestic deposits to total assets | 88.5846% | 1,213 |
| Equity capital to assets | 11.0620% | 2,988 |
| Core capital (leverage) ratio | 11.6466% | 2,159 |
| Tier 1 risk-based capital ratio | 16.6093% | 2,445 |
| Total risk-based capital ratio | 17.5789% | 2,488 |
| Memoranda: | ||
| Average total assets | $161,558,000 | 3,694 |
| Average earning assets | $144,720,400 | 3,743 |
| Average equity | $18,593,400 | 3,461 |
| Average total loans | $114,581,800 | 3,575 |