Home > Commercial State Bank > Performance and Condition Ratios
Commercial State Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1302% | 141 |
| Cost of funding earning assets | 0.5727% | 2,904 |
| Net interest margin | 5.5575% | 103 |
| Noninterest income to average assets | 0.6650% | 1,988 |
| Noninterest expense to average assets | 2.8464% | 2,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.9772% | 82 |
| Return on assets (ROA) | 2.9772% | 83 |
| Pretax return on assets | 2.9772% | 100 |
| Return on Equity (ROE) | 26.5925% | 66 |
| Retained earnings to average equity (ytd only) | 18.5427% | 44 |
| Net charge-offs to loans | -0.0902% | 5,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8772% | 5,003 |
| Assets per employee ($millions) | 5.4486% | 2,006 |
| Cash dividends to net income (ytd only)* | 30.2710% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8861% | 585 |
| Loan loss allowance to noncurrent loans | 154.3823% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.9806% | 1,391 |
| Noncurrent loans to loans | 1.2217% | 1,305 |
| Net loans and leases to total assets | 62.9272% | 3,472 |
| Net loans and leases to deposits | 71.5664% | 3,706 |
| Net loans and leases to core deposits | 83.5964% | 3,129 |
| Total domestic deposits to total assets | 87.9285% | 1,327 |
| Equity capital to assets | 11.7638% | 2,056 |
| Core capital (leverage) ratio | 11.6412% | 1,999 |
| Tier 1 risk-based capital ratio | 16.7600% | 2,152 |
| Total risk-based capital ratio | 18.0160% | 2,096 |
| Memoranda: | ||
| Average total assets | $634,690,200 | 1,153 |
| Average earning assets | $589,137,000 | 1,137 |
| Average equity | $71,057,600 | 1,145 |
| Average total loans | $411,160,600 | 1,226 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9590% | 162 |
| Cost of funding earning assets | 0.5437% | 2,906 |
| Net interest margin | 5.4153% | 125 |
| Noninterest income to average assets | 0.5421% | 2,610 |
| Noninterest expense to average assets | 3.4372% | 1,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.1298% | 290 |
| Return on assets (ROA) | 2.1298% | 286 |
| Pretax return on assets | 2.1298% | 449 |
| Return on Equity (ROE) | 19.2883% | 317 |
| Retained earnings to average equity (ytd only) | 8.3612% | 1,492 |
| Net charge-offs to loans | -0.0815% | 5,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7420% | 3,548 |
| Assets per employee ($millions) | 5.4963% | 1,917 |
| Cash dividends to net income (ytd only)* | 56.6516% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8764% | 626 |
| Loan loss allowance to noncurrent loans | 188.0196% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.8303% | 1,786 |
| Noncurrent loans to loans | 0.9980% | 1,707 |
| Net loans and leases to total assets | 62.2760% | 3,625 |
| Net loans and leases to deposits | 70.2096% | 3,903 |
| Net loans and leases to core deposits | 81.8138% | 3,340 |
| Total domestic deposits to total assets | 88.7001% | 958 |
| Equity capital to assets | 10.4214% | 3,217 |
| Core capital (leverage) ratio | 10.6971% | 2,882 |
| Tier 1 risk-based capital ratio | 15.2042% | 2,783 |
| Total risk-based capital ratio | 16.4603% | 2,706 |
| Memoranda: | ||
| Average total assets | $624,455,000 | 1,165 |
| Average earning assets | $579,430,750 | 1,162 |
| Average equity | $68,952,000 | 1,170 |
| Average total loans | $405,618,500 | 1,241 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8525% | 181 |
| Cost of funding earning assets | 0.4836% | 3,136 |
| Net interest margin | 5.3689% | 132 |
| Noninterest income to average assets | 0.5734% | 2,459 |
| Noninterest expense to average assets | 2.8594% | 2,467 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.6905% | 109 |
| Return on assets (ROA) | 2.6905% | 110 |
| Pretax return on assets | 2.6905% | 159 |
| Return on Equity (ROE) | 23.8681% | 112 |
| Retained earnings to average equity (ytd only) | 11.0736% | 654 |
| Net charge-offs to loans | -0.1463% | 5,267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5222% | 4,934 |
| Assets per employee ($millions) | 5.2357% | 2,159 |
| Cash dividends to net income (ytd only)* | 53.6051% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9429% | 572 |
| Loan loss allowance to noncurrent loans | 182.3795% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.9767% | 1,542 |
| Noncurrent loans to loans | 1.0653% | 1,658 |
| Net loans and leases to total assets | 63.9510% | 3,405 |
| Net loans and leases to deposits | 72.1698% | 3,702 |
| Net loans and leases to core deposits | 84.0910% | 3,072 |
| Total domestic deposits to total assets | 88.6118% | 1,090 |
| Equity capital to assets | 10.9478% | 2,685 |
| Core capital (leverage) ratio | 11.3553% | 2,202 |
| Tier 1 risk-based capital ratio | 15.5851% | 2,594 |
| Total risk-based capital ratio | 16.8419% | 2,536 |
| Memoranda: | ||
| Average total assets | $607,256,670 | 1,196 |
| Average earning assets | $562,867,670 | 1,198 |
| Average equity | $68,451,330 | 1,178 |
| Average total loans | $397,802,000 | 1,263 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7561% | 200 |
| Cost of funding earning assets | 0.4669% | 3,069 |
| Net interest margin | 5.2892% | 141 |
| Noninterest income to average assets | 0.5897% | 2,318 |
| Noninterest expense to average assets | 2.9227% | 2,278 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.5467% | 134 |
| Return on assets (ROA) | 2.5467% | 135 |
| Pretax return on assets | 2.5467% | 193 |
| Return on Equity (ROE) | 22.2472% | 158 |
| Retained earnings to average equity (ytd only) | 15.0461% | 325 |
| Net charge-offs to loans | -0.2441% | 5,412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4372% | 4,851 |
| Assets per employee ($millions) | 4.6194% | 2,979 |
| Cash dividends to net income (ytd only)* | 32.3686% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0605% | 484 |
| Loan loss allowance to noncurrent loans | 350.2832% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.7166% | 2,174 |
| Noncurrent loans to loans | 0.5882% | 2,775 |
| Net loans and leases to total assets | 64.1219% | 3,286 |
| Net loans and leases to deposits | 72.8450% | 3,525 |
| Net loans and leases to core deposits | 81.2732% | 3,213 |
| Total domestic deposits to total assets | 88.0251% | 1,604 |
| Equity capital to assets | 11.5458% | 2,093 |
| Core capital (leverage) ratio | 11.7923% | 1,784 |
| Tier 1 risk-based capital ratio | 16.3750% | 2,331 |
| Total risk-based capital ratio | 17.6333% | 2,268 |
| Memoranda: | ||
| Average total assets | $591,506,000 | 1,228 |
| Average earning assets | $545,718,500 | 1,236 |
| Average equity | $67,712,000 | 1,201 |
| Average total loans | $388,410,000 | 1,292 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6901% | 202 |
| Cost of funding earning assets | 0.4677% | 2,621 |
| Net interest margin | 5.2224% | 163 |
| Noninterest income to average assets | 0.5836% | 2,532 |
| Noninterest expense to average assets | 3.0241% | 2,089 |
| Loan and lease loss provision to assets | 0.1678% | 1,308 |
| Net operating income to assets | 2.1518% | 214 |
| Return on assets (ROA) | 2.1518% | 215 |
| Pretax return on assets | 2.1518% | 346 |
| Return on Equity (ROE) | 18.4932% | 276 |
| Retained earnings to average equity (ytd only) | 12.3299% | 162 |
| Net charge-offs to loans | 0.1978% | 1,295 |
| Credit loss provision to net charge-offs | 119.5219% | 2,187 |
| Earnings coverage of net charge-offs (x) | 16.5206% | 2,174 |
| Efficiency ratio | 56.5915% | 4,703 |
| Assets per employee ($millions) | 4.5868% | 3,051 |
| Cash dividends to net income (ytd only)* | 33.3276% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0180% | 524 |
| Loan loss allowance to noncurrent loans | 262.9043% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 1.1977% | 1,237 |
| Noncurrent loans to loans | 0.7676% | 2,291 |
| Net loans and leases to total assets | 64.5321% | 3,299 |
| Net loans and leases to deposits | 73.0722% | 3,589 |
| Net loans and leases to core deposits | 81.5094% | 3,285 |
| Total domestic deposits to total assets | 88.3128% | 1,340 |
| Equity capital to assets | 11.3475% | 2,330 |
| Core capital (leverage) ratio | 11.7210% | 1,777 |
| Tier 1 risk-based capital ratio | 16.0849% | 2,401 |
| Total risk-based capital ratio | 17.3427% | 2,339 |
| Memoranda: | ||
| Average total assets | $536,288,600 | 1,308 |
| Average earning assets | $488,815,600 | 1,336 |
| Average equity | $62,401,200 | 1,269 |
| Average total loans | $380,758,800 | 1,283 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6925% | 195 |
| Cost of funding earning assets | 0.4639% | 2,579 |
| Net interest margin | 5.2286% | 162 |
| Noninterest income to average assets | 0.6145% | 2,393 |
| Noninterest expense to average assets | 3.0530% | 1,949 |
| Loan and lease loss provision to assets | 0.2292% | 795 |
| Net operating income to assets | 2.0884% | 270 |
| Return on assets (ROA) | 2.0884% | 275 |
| Pretax return on assets | 2.0884% | 459 |
| Return on Equity (ROE) | 17.8241% | 346 |
| Retained earnings to average equity (ytd only) | 9.5739% | 689 |
| Net charge-offs to loans | -0.0046% | 4,442 |
| Credit loss provision to net charge-offs | -6,923.0769% | 5,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8468% | 4,630 |
| Assets per employee ($millions) | 4.1588% | 3,723 |
| Cash dividends to net income (ytd only)* | 46.2871% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2354% | 383 |
| Loan loss allowance to noncurrent loans | 161.8931% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 2.0562% | 618 |
| Noncurrent loans to loans | 1.3808% | 1,363 |
| Net loans and leases to total assets | 69.8570% | 2,579 |
| Net loans and leases to deposits | 79.7491% | 2,998 |
| Net loans and leases to core deposits | 89.8826% | 2,622 |
| Total domestic deposits to total assets | 87.5960% | 1,581 |
| Equity capital to assets | 11.9147% | 2,020 |
| Core capital (leverage) ratio | 11.7640% | 1,841 |
| Tier 1 risk-based capital ratio | 15.3545% | 2,770 |
| Total risk-based capital ratio | 16.6151% | 2,706 |
| Memoranda: | ||
| Average total assets | $523,584,250 | 1,353 |
| Average earning assets | $476,267,250 | 1,376 |
| Average equity | $61,346,000 | 1,294 |
| Average total loans | $379,279,750 | 1,296 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5917% | 215 |
| Cost of funding earning assets | 0.4643% | 2,459 |
| Net interest margin | 5.1274% | 180 |
| Noninterest income to average assets | 0.5700% | 2,603 |
| Noninterest expense to average assets | 2.9868% | 2,150 |
| Loan and lease loss provision to assets | 0.3466% | 417 |
| Net operating income to assets | 1.8980% | 377 |
| Return on assets (ROA) | 1.8980% | 386 |
| Pretax return on assets | 1.8980% | 658 |
| Return on Equity (ROE) | 16.2941% | 493 |
| Retained earnings to average equity (ytd only) | 7.6643% | 1,292 |
| Net charge-offs to loans | -0.0434% | 5,112 |
| Credit loss provision to net charge-offs | -1,097.5610% | 4,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0934% | 4,695 |
| Assets per employee ($millions) | 4.0929% | 3,801 |
| Cash dividends to net income (ytd only)* | 52.9627% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2589% | 396 |
| Loan loss allowance to noncurrent loans | 220.0204% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 1.8499% | 729 |
| Noncurrent loans to loans | 1.0267% | 1,911 |
| Net loans and leases to total assets | 70.7897% | 2,401 |
| Net loans and leases to deposits | 80.6071% | 2,847 |
| Net loans and leases to core deposits | 90.7197% | 2,459 |
| Total domestic deposits to total assets | 87.8206% | 1,550 |
| Equity capital to assets | 11.7135% | 2,143 |
| Core capital (leverage) ratio | 11.7538% | 1,794 |
| Tier 1 risk-based capital ratio | 14.7505% | 3,038 |
| Total risk-based capital ratio | 16.0111% | 2,963 |
| Memoranda: | ||
| Average total assets | $519,286,000 | 1,368 |
| Average earning assets | $472,092,000 | 1,392 |
| Average equity | $60,488,000 | 1,315 |
| Average total loans | $377,927,330 | 1,304 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5118% | 222 |
| Cost of funding earning assets | 0.4648% | 2,382 |
| Net interest margin | 5.0470% | 209 |
| Noninterest income to average assets | 0.5616% | 2,598 |
| Noninterest expense to average assets | 2.8943% | 2,468 |
| Loan and lease loss provision to assets | 0.3107% | 419 |
| Net operating income to assets | 1.9536% | 327 |
| Return on assets (ROA) | 1.9536% | 341 |
| Pretax return on assets | 1.9536% | 553 |
| Return on Equity (ROE) | 16.8201% | 430 |
| Retained earnings to average equity (ytd only) | 9.6440% | 894 |
| Net charge-offs to loans | -0.2534% | 5,663 |
| Credit loss provision to net charge-offs | -168.0672% | 4,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1060% | 4,931 |
| Assets per employee ($millions) | 4.2556% | 3,579 |
| Cash dividends to net income (ytd only)* | 42.6640% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2410% | 445 |
| Loan loss allowance to noncurrent loans | 203.9086% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 1.9225% | 703 |
| Noncurrent loans to loans | 1.0990% | 1,862 |
| Net loans and leases to total assets | 69.1310% | 2,512 |
| Net loans and leases to deposits | 78.4660% | 2,921 |
| Net loans and leases to core deposits | 88.1949% | 2,531 |
| Total domestic deposits to total assets | 88.1031% | 1,657 |
| Equity capital to assets | 11.5671% | 2,140 |
| Core capital (leverage) ratio | 11.6003% | 1,880 |
| Tier 1 risk-based capital ratio | 14.8876% | 3,020 |
| Total risk-based capital ratio | 16.1476% | 2,944 |
| Memoranda: | ||
| Average total assets | $514,938,500 | 1,379 |
| Average earning assets | $469,032,000 | 1,412 |
| Average equity | $59,809,500 | 1,322 |
| Average total loans | $375,694,000 | 1,317 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4571% | 262 |
| Cost of funding earning assets | 0.4617% | 2,434 |
| Net interest margin | 4.9953% | 252 |
| Noninterest income to average assets | 0.7246% | 2,055 |
| Noninterest expense to average assets | 2.9629% | 2,456 |
| Loan and lease loss provision to assets | 0.6326% | 203 |
| Net operating income to assets | 1.6955% | 550 |
| Return on assets (ROA) | 1.7362% | 530 |
| Pretax return on assets | 1.7362% | 921 |
| Return on Equity (ROE) | 15.4698% | 566 |
| Retained earnings to average equity (ytd only) | 9.0226% | 585 |
| Net charge-offs to loans | 0.3334% | 826 |
| Credit loss provision to net charge-offs | 265.3400% | 1,084 |
| Earnings coverage of net charge-offs (x) | 9.7645% | 2,723 |
| Efficiency ratio | 55.9990% | 5,070 |
| Assets per employee ($millions) | 4.0515% | 3,870 |
| Cash dividends to net income (ytd only)* | 41.6762% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0082% | 648 |
| Loan loss allowance to noncurrent loans | 285.6716% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 1.6385% | 961 |
| Noncurrent loans to loans | 0.7030% | 2,781 |
| Net loans and leases to total assets | 73.7659% | 1,881 |
| Net loans and leases to deposits | 83.7701% | 2,450 |
| Net loans and leases to core deposits | 94.3021% | 2,076 |
| Total domestic deposits to total assets | 88.0575% | 1,603 |
| Equity capital to assets | 11.6643% | 2,031 |
| Core capital (leverage) ratio | 11.2995% | 2,083 |
| Tier 1 risk-based capital ratio | 14.2206% | 3,336 |
| Total risk-based capital ratio | 15.4782% | 3,260 |
| Memoranda: | ||
| Average total assets | $505,817,200 | 1,357 |
| Average earning assets | $462,392,600 | 1,374 |
| Average equity | $56,768,600 | 1,356 |
| Average total loans | $361,780,000 | 1,300 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3653% | 321 |
| Cost of funding earning assets | 0.4622% | 2,443 |
| Net interest margin | 4.9031% | 302 |
| Noninterest income to average assets | 0.7188% | 2,087 |
| Noninterest expense to average assets | 2.9613% | 2,428 |
| Loan and lease loss provision to assets | 0.7383% | 151 |
| Net operating income to assets | 1.5061% | 868 |
| Return on assets (ROA) | 1.5604% | 823 |
| Pretax return on assets | 1.5604% | 1,496 |
| Return on Equity (ROE) | 14.0418% | 819 |
| Retained earnings to average equity (ytd only) | 7.2582% | 1,498 |
| Net charge-offs to loans | 0.3567% | 632 |
| Credit loss provision to net charge-offs | 293.1937% | 1,057 |
| Earnings coverage of net charge-offs (x) | 8.9131% | 2,726 |
| Efficiency ratio | 56.8860% | 4,970 |
| Assets per employee ($millions) | 4.2175% | 3,561 |
| Cash dividends to net income (ytd only)* | 48.3102% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0216% | 700 |
| Loan loss allowance to noncurrent loans | 239.8722% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 1.4203% | 1,301 |
| Noncurrent loans to loans | 0.8428% | 2,578 |
| Net loans and leases to total assets | 70.1458% | 2,467 |
| Net loans and leases to deposits | 79.3265% | 3,044 |
| Net loans and leases to core deposits | 89.1980% | 2,652 |
| Total domestic deposits to total assets | 88.4267% | 1,178 |
| Equity capital to assets | 11.1467% | 2,862 |
| Core capital (leverage) ratio | 11.2867% | 2,200 |
| Tier 1 risk-based capital ratio | 14.0565% | 3,533 |
| Total risk-based capital ratio | 15.3143% | 3,448 |
| Memoranda: | ||
| Average total assets | $505,662,500 | 1,362 |
| Average earning assets | $462,743,250 | 1,379 |
| Average equity | $56,192,750 | 1,378 |
| Average total loans | $356,916,750 | 1,313 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3709% | 316 |
| Cost of funding earning assets | 0.4610% | 2,467 |
| Net interest margin | 4.9100% | 310 |
| Noninterest income to average assets | 0.6044% | 2,600 |
| Noninterest expense to average assets | 2.9771% | 2,423 |
| Loan and lease loss provision to assets | 0.4788% | 278 |
| Net operating income to assets | 1.6405% | 656 |
| Return on assets (ROA) | 1.7227% | 585 |
| Pretax return on assets | 1.7227% | 1,039 |
| Return on Equity (ROE) | 15.5187% | 605 |
| Retained earnings to average equity (ytd only) | 7.7414% | 1,270 |
| Net charge-offs to loans | 0.1471% | 1,449 |
| Credit loss provision to net charge-offs | 463.3205% | 694 |
| Earnings coverage of net charge-offs (x) | 20.5097% | 1,723 |
| Efficiency ratio | 58.4155% | 4,842 |
| Assets per employee ($millions) | 4.0145% | 3,872 |
| Cash dividends to net income (ytd only)* | 50.1158% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8437% | 999 |
| Loan loss allowance to noncurrent loans | 170.1185% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 1.7084% | 1,044 |
| Noncurrent loans to loans | 1.0838% | 2,123 |
| Net loans and leases to total assets | 71.7885% | 2,205 |
| Net loans and leases to deposits | 81.5783% | 2,756 |
| Net loans and leases to core deposits | 91.9881% | 2,351 |
| Total domestic deposits to total assets | 87.9996% | 1,437 |
| Equity capital to assets | 11.6150% | 2,430 |
| Core capital (leverage) ratio | 11.0405% | 2,395 |
| Tier 1 risk-based capital ratio | 14.2556% | 3,467 |
| Total risk-based capital ratio | 15.5111% | 3,382 |
| Memoranda: | ||
| Average total assets | $501,298,330 | 1,381 |
| Average earning assets | $458,615,670 | 1,392 |
| Average equity | $55,649,000 | 1,390 |
| Average total loans | $352,091,330 | 1,327 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1458% | 455 |
| Cost of funding earning assets | 0.4536% | 2,545 |
| Net interest margin | 4.6923% | 430 |
| Noninterest income to average assets | 0.5301% | 2,933 |
| Noninterest expense to average assets | 2.9345% | 2,592 |
| Loan and lease loss provision to assets | 0.5916% | 186 |
| Net operating income to assets | 1.3048% | 1,239 |
| Return on assets (ROA) | 1.4673% | 953 |
| Pretax return on assets | 1.4673% | 1,693 |
| Return on Equity (ROE) | 13.5198% | 929 |
| Retained earnings to average equity (ytd only) | 8.6207% | 1,223 |
| Net charge-offs to loans | 0.0882% | 1,613 |
| Credit loss provision to net charge-offs | 974.0260% | 378 |
| Earnings coverage of net charge-offs (x) | 31.2208% | 1,162 |
| Efficiency ratio | 60.7446% | 4,642 |
| Assets per employee ($millions) | 4.1227% | 3,726 |
| Cash dividends to net income (ytd only)* | 36.2366% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8591% | 1,034 |
| Loan loss allowance to noncurrent loans | 210.7416% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 2,888 |
| Noncurrent loans to loans | 0.8822% | 2,635 |
| Net loans and leases to total assets | 65.9681% | 2,953 |
| Net loans and leases to deposits | 74.4199% | 3,389 |
| Net loans and leases to core deposits | 83.4884% | 2,984 |
| Total domestic deposits to total assets | 88.6431% | 1,283 |
| Equity capital to assets | 11.0104% | 2,925 |
| Core capital (leverage) ratio | 10.5742% | 2,881 |
| Tier 1 risk-based capital ratio | 14.4617% | 3,413 |
| Total risk-based capital ratio | 15.7172% | 3,349 |
| Memoranda: | ||
| Average total assets | $507,065,000 | 1,362 |
| Average earning assets | $464,763,000 | 1,370 |
| Average equity | $55,030,500 | 1,403 |
| Average total loans | $349,037,500 | 1,337 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9827% | 651 |
| Cost of funding earning assets | 0.4124% | 3,030 |
| Net interest margin | 4.5703% | 584 |
| Noninterest income to average assets | 0.5581% | 2,970 |
| Noninterest expense to average assets | 2.8334% | 3,097 |
| Loan and lease loss provision to assets | 0.4247% | 303 |
| Net operating income to assets | 1.5385% | 800 |
| Return on assets (ROA) | 1.5385% | 827 |
| Pretax return on assets | 1.5385% | 1,441 |
| Return on Equity (ROE) | 15.8019% | 576 |
| Retained earnings to average equity (ytd only) | 4.7248% | 2,623 |
| Net charge-offs to loans | 0.4671% | 584 |
| Credit loss provision to net charge-offs | 139.9027% | 1,880 |
| Earnings coverage of net charge-offs (x) | 6.4665% | 3,223 |
| Efficiency ratio | 59.0706% | 5,018 |
| Assets per employee ($millions) | 4.0241% | 3,898 |
| Cash dividends to net income (ytd only)* | 70.0996% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 1,660 |
| Loan loss allowance to noncurrent loans | 155.6625% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7376% | 2,848 |
| Noncurrent loans to loans | 1.0184% | 2,302 |
| Net loans and leases to total assets | 69.3352% | 2,481 |
| Net loans and leases to deposits | 77.8854% | 3,063 |
| Net loans and leases to core deposits | 87.4322% | 2,659 |
| Total domestic deposits to total assets | 89.0221% | 1,108 |
| Equity capital to assets | 10.6951% | 3,143 |
| Core capital (leverage) ratio | 10.1231% | 3,363 |
| Tier 1 risk-based capital ratio | 13.5796% | 3,963 |
| Total risk-based capital ratio | 14.8320% | 3,890 |
| Memoranda: | ||
| Average total assets | $541,511,600 | 1,254 |
| Average earning assets | $502,197,000 | 1,243 |
| Average equity | $52,721,600 | 1,411 |
| Average total loans | $351,960,000 | 1,282 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9029% | 762 |
| Cost of funding earning assets | 0.4055% | 3,173 |
| Net interest margin | 4.4975% | 654 |
| Noninterest income to average assets | 0.5538% | 3,030 |
| Noninterest expense to average assets | 2.8114% | 3,144 |
| Loan and lease loss provision to assets | 0.3514% | 380 |
| Net operating income to assets | 1.5712% | 819 |
| Return on assets (ROA) | 1.5712% | 855 |
| Pretax return on assets | 1.5712% | 1,470 |
| Return on Equity (ROE) | 16.5131% | 528 |
| Retained earnings to average equity (ytd only) | 3.8360% | 3,743 |
| Net charge-offs to loans | -0.0049% | 4,826 |
| Credit loss provision to net charge-offs | -11,153.8462% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3867% | 4,957 |
| Assets per employee ($millions) | 4.3655% | 3,225 |
| Cash dividends to net income (ytd only)* | 76.7700% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 1,302 |
| Loan loss allowance to noncurrent loans | 156.9626% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.7677% | 2,982 |
| Noncurrent loans to loans | 1.1357% | 2,235 |
| Net loans and leases to total assets | 66.3863% | 2,949 |
| Net loans and leases to deposits | 74.0417% | 3,545 |
| Net loans and leases to core deposits | 82.1946% | 3,231 |
| Total domestic deposits to total assets | 89.6608% | 707 |
| Equity capital to assets | 9.9392% | 4,240 |
| Core capital (leverage) ratio | 9.8288% | 3,862 |
| Tier 1 risk-based capital ratio | 13.2835% | 4,269 |
| Total risk-based capital ratio | 14.5382% | 4,190 |
| Memoranda: | ||
| Average total assets | $550,130,000 | 1,242 |
| Average earning assets | $511,326,250 | 1,233 |
| Average equity | $52,345,000 | 1,429 |
| Average total loans | $350,645,250 | 1,291 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7789% | 930 |
| Cost of funding earning assets | 0.4059% | 3,215 |
| Net interest margin | 4.3730% | 799 |
| Noninterest income to average assets | 0.5118% | 3,292 |
| Noninterest expense to average assets | 2.7458% | 3,426 |
| Loan and lease loss provision to assets | 0.3426% | 389 |
| Net operating income to assets | 1.4921% | 907 |
| Return on assets (ROA) | 1.4921% | 953 |
| Pretax return on assets | 1.4921% | 1,671 |
| Return on Equity (ROE) | 15.9104% | 616 |
| Retained earnings to average equity (ytd only) | 3.4075% | 3,873 |
| Net charge-offs to loans | 0.0006% | 3,881 |
| Credit loss provision to net charge-offs | 95,000.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 5,087.0000% | 7 |
| Efficiency ratio | 59.9449% | 4,989 |
| Assets per employee ($millions) | 4.1370% | 3,597 |
| Cash dividends to net income (ytd only)* | 78.5835% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7339% | 1,531 |
| Loan loss allowance to noncurrent loans | 147.5353% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.7745% | 3,069 |
| Noncurrent loans to loans | 1.1752% | 2,303 |
| Net loans and leases to total assets | 64.7573% | 3,158 |
| Net loans and leases to deposits | 72.2764% | 3,691 |
| Net loans and leases to core deposits | 80.3788% | 3,344 |
| Total domestic deposits to total assets | 89.5967% | 849 |
| Equity capital to assets | 10.0587% | 3,972 |
| Core capital (leverage) ratio | 9.5623% | 4,192 |
| Tier 1 risk-based capital ratio | 13.6672% | 4,117 |
| Total risk-based capital ratio | 14.9212% | 4,051 |
| Memoranda: | ||
| Average total assets | $554,522,000 | 1,238 |
| Average earning assets | $515,936,670 | 1,231 |
| Average equity | $52,003,670 | 1,450 |
| Average total loans | $346,549,000 | 1,305 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6685% | 1,094 |
| Cost of funding earning assets | 0.4082% | 3,218 |
| Net interest margin | 4.2603% | 958 |
| Noninterest income to average assets | 0.4923% | 3,333 |
| Noninterest expense to average assets | 2.6396% | 3,788 |
| Loan and lease loss provision to assets | 0.4552% | 237 |
| Net operating income to assets | 1.3664% | 1,103 |
| Return on assets (ROA) | 1.3664% | 1,165 |
| Pretax return on assets | 1.3664% | 2,016 |
| Return on Equity (ROE) | 15.0687% | 697 |
| Retained earnings to average equity (ytd only) | 6.0012% | 2,508 |
| Net charge-offs to loans | 0.0126% | 2,935 |
| Credit loss provision to net charge-offs | 5,909.0909% | 68 |
| Earnings coverage of net charge-offs (x) | 236.4545% | 238 |
| Efficiency ratio | 59.1680% | 5,199 |
| Assets per employee ($millions) | 4.5746% | 2,935 |
| Cash dividends to net income (ytd only)* | 60.1743% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 1,891 |
| Loan loss allowance to noncurrent loans | 77.6220% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.2767% | 2,087 |
| Noncurrent loans to loans | 2.1234% | 1,210 |
| Net loans and leases to total assets | 58.4598% | 3,879 |
| Net loans and leases to deposits | 64.4849% | 4,319 |
| Net loans and leases to core deposits | 70.7520% | 4,084 |
| Total domestic deposits to total assets | 90.6566% | 477 |
| Equity capital to assets | 9.0799% | 5,210 |
| Core capital (leverage) ratio | 8.9513% | 5,010 |
| Tier 1 risk-based capital ratio | 13.4806% | 4,331 |
| Total risk-based capital ratio | 14.7335% | 4,250 |
| Memoranda: | ||
| Average total assets | $571,153,500 | 1,207 |
| Average earning assets | $532,072,500 | 1,200 |
| Average equity | $51,789,500 | 1,464 |
| Average total loans | $348,069,000 | 1,303 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3691% | 403 |
| Cost of funding earning assets | 0.4445% | 3,225 |
| Net interest margin | 4.9245% | 340 |
| Noninterest income to average assets | 0.6454% | 2,580 |
| Noninterest expense to average assets | 2.8961% | 3,167 |
| Loan and lease loss provision to assets | 0.4505% | 369 |
| Net operating income to assets | 1.8342% | 445 |
| Return on assets (ROA) | 1.8342% | 462 |
| Pretax return on assets | 1.8342% | 736 |
| Return on Equity (ROE) | 20.2704% | 237 |
| Retained earnings to average equity (ytd only) | 10.2607% | 476 |
| Net charge-offs to loans | 0.4509% | 931 |
| Credit loss provision to net charge-offs | 150.7538% | 1,603 |
| Earnings coverage of net charge-offs (x) | 7.6451% | 3,001 |
| Efficiency ratio | 55.9006% | 5,674 |
| Assets per employee ($millions) | 4.5273% | 2,994 |
| Cash dividends to net income (ytd only)* | 49.3808% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 2,870 |
| Loan loss allowance to noncurrent loans | 65.1953% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 1.3719% | 2,033 |
| Noncurrent loans to loans | 2.1724% | 1,235 |
| Net loans and leases to total assets | 61.5863% | 3,558 |
| Net loans and leases to deposits | 67.8710% | 4,139 |
| Net loans and leases to core deposits | 74.3404% | 3,892 |
| Total domestic deposits to total assets | 90.7403% | 448 |
| Equity capital to assets | 9.0549% | 5,230 |
| Core capital (leverage) ratio | 9.0180% | 4,970 |
| Tier 1 risk-based capital ratio | 13.2666% | 4,555 |
| Total risk-based capital ratio | 14.5175% | 4,480 |
| Memoranda: | ||
| Average total assets | $532,713,800 | 1,258 |
| Average earning assets | $490,623,800 | 1,251 |
| Average equity | $48,203,400 | 1,496 |
| Average total loans | $353,066,000 | 1,250 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4004% | 380 |
| Cost of funding earning assets | 0.4408% | 3,360 |
| Net interest margin | 4.9595% | 323 |
| Noninterest income to average assets | 0.7030% | 2,315 |
| Noninterest expense to average assets | 2.9508% | 2,960 |
| Loan and lease loss provision to assets | 0.5721% | 244 |
| Net operating income to assets | 1.7337% | 578 |
| Return on assets (ROA) | 1.7337% | 592 |
| Pretax return on assets | 1.7337% | 1,008 |
| Return on Equity (ROE) | 19.1634% | 336 |
| Retained earnings to average equity (ytd only) | 8.4421% | 1,171 |
| Net charge-offs to loans | 0.2051% | 1,828 |
| Credit loss provision to net charge-offs | 414.3646% | 676 |
| Earnings coverage of net charge-offs (x) | 16.7017% | 1,949 |
| Efficiency ratio | 56.1354% | 5,647 |
| Assets per employee ($millions) | 4.2626% | 3,354 |
| Cash dividends to net income (ytd only)* | 55.9466% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6545% | 2,126 |
| Loan loss allowance to noncurrent loans | 67.8929% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 1.6221% | 1,866 |
| Noncurrent loans to loans | 2.4369% | 1,219 |
| Net loans and leases to total assets | 64.8503% | 3,049 |
| Net loans and leases to deposits | 71.6110% | 3,725 |
| Net loans and leases to core deposits | 78.5204% | 3,489 |
| Total domestic deposits to total assets | 90.5592% | 502 |
| Equity capital to assets | 9.0963% | 5,256 |
| Core capital (leverage) ratio | 8.9208% | 5,169 |
| Tier 1 risk-based capital ratio | 12.6239% | 5,084 |
| Total risk-based capital ratio | 13.8773% | 5,005 |
| Memoranda: | ||
| Average total assets | $524,414,000 | 1,289 |
| Average earning assets | $481,485,500 | 1,283 |
| Average equity | $47,443,500 | 1,526 |
| Average total loans | $352,949,500 | 1,256 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4959% | 311 |
| Cost of funding earning assets | 0.4383% | 3,457 |
| Net interest margin | 5.0576% | 255 |
| Noninterest income to average assets | 0.7094% | 2,232 |
| Noninterest expense to average assets | 2.9524% | 2,994 |
| Loan and lease loss provision to assets | 0.6747% | 199 |
| Net operating income to assets | 1.7090% | 565 |
| Return on assets (ROA) | 1.7090% | 587 |
| Pretax return on assets | 1.7090% | 1,001 |
| Return on Equity (ROE) | 18.9268% | 368 |
| Retained earnings to average equity (ytd only) | 7.1386% | 1,695 |
| Net charge-offs to loans | 0.3419% | 1,190 |
| Credit loss provision to net charge-offs | 291.1814% | 879 |
| Earnings coverage of net charge-offs (x) | 10.2879% | 2,266 |
| Efficiency ratio | 55.3284% | 5,805 |
| Assets per employee ($millions) | 4.3025% | 3,273 |
| Cash dividends to net income (ytd only)* | 62.2829% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 2,947 |
| Loan loss allowance to noncurrent loans | 55.7095% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 1.8823% | 1,726 |
| Noncurrent loans to loans | 2.6761% | 1,133 |
| Net loans and leases to total assets | 65.1728% | 2,885 |
| Net loans and leases to deposits | 71.7080% | 3,609 |
| Net loans and leases to core deposits | 78.8717% | 3,334 |
| Total domestic deposits to total assets | 90.8863% | 445 |
| Equity capital to assets | 8.8291% | 5,494 |
| Core capital (leverage) ratio | 8.7389% | 5,352 |
| Tier 1 risk-based capital ratio | 12.1867% | 5,431 |
| Total risk-based capital ratio | 13.4384% | 5,344 |
| Memoranda: | ||
| Average total assets | $518,768,330 | 1,294 |
| Average earning assets | $474,573,000 | 1,297 |
| Average equity | $46,843,670 | 1,531 |
| Average total loans | $351,608,000 | 1,252 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5400% | 273 |
| Cost of funding earning assets | 0.4243% | 3,709 |
| Net interest margin | 5.1157% | 218 |
| Noninterest income to average assets | 0.5971% | 2,752 |
| Noninterest expense to average assets | 2.9714% | 2,976 |
| Loan and lease loss provision to assets | 0.7888% | 152 |
| Net operating income to assets | 1.5066% | 804 |
| Return on assets (ROA) | 1.5066% | 837 |
| Pretax return on assets | 1.5066% | 1,411 |
| Return on Equity (ROE) | 16.4891% | 594 |
| Retained earnings to average equity (ytd only) | 5.5079% | 2,783 |
| Net charge-offs to loans | 0.3551% | 1,006 |
| Credit loss provision to net charge-offs | 323.6246% | 759 |
| Earnings coverage of net charge-offs (x) | 9.4175% | 1,934 |
| Efficiency ratio | 56.4176% | 5,805 |
| Assets per employee ($millions) | 4.2126% | 3,502 |
| Cash dividends to net income (ytd only)* | 66.5969% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 3,533 |
| Loan loss allowance to noncurrent loans | 56.6234% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 1.6476% | 2,140 |
| Noncurrent loans to loans | 2.4963% | 1,385 |
| Net loans and leases to total assets | 64.7682% | 2,764 |
| Net loans and leases to deposits | 71.2788% | 3,433 |
| Net loans and leases to core deposits | 79.0800% | 3,079 |
| Total domestic deposits to total assets | 90.8660% | 620 |
| Equity capital to assets | 8.9012% | 5,222 |
| Core capital (leverage) ratio | 9.2656% | 4,624 |
| Tier 1 risk-based capital ratio | 12.3089% | 5,433 |
| Total risk-based capital ratio | 13.5596% | 5,368 |
| Memoranda: | ||
| Average total assets | $507,094,500 | 1,332 |
| Average earning assets | $462,884,500 | 1,334 |
| Average equity | $46,333,500 | 1,546 |
| Average total loans | $348,082,500 | 1,262 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7593% | 246 |
| Cost of funding earning assets | 0.4289% | 4,328 |
| Net interest margin | 5.3304% | 178 |
| Noninterest income to average assets | 0.6070% | 3,053 |
| Noninterest expense to average assets | 3.0358% | 2,945 |
| Loan and lease loss provision to assets | 0.2917% | 1,166 |
| Net operating income to assets | 2.1269% | 280 |
| Return on assets (ROA) | 2.1269% | 280 |
| Pretax return on assets | 2.1269% | 367 |
| Return on Equity (ROE) | 23.5075% | 163 |
| Retained earnings to average equity (ytd only) | 12.1211% | 308 |
| Net charge-offs to loans | 0.0912% | 3,931 |
| Credit loss provision to net charge-offs | 468.2274% | 492 |
| Earnings coverage of net charge-offs (x) | 38.8194% | 973 |
| Efficiency ratio | 55.6579% | 5,984 |
| Assets per employee ($millions) | 4.0975% | 3,661 |
| Cash dividends to net income (ytd only)* | 48.4373% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 4,666 |
| Loan loss allowance to noncurrent loans | 51.3388% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 1.6774% | 2,203 |
| Noncurrent loans to loans | 2.3354% | 1,643 |
| Net loans and leases to total assets | 70.9625% | 1,848 |
| Net loans and leases to deposits | 78.4773% | 2,661 |
| Net loans and leases to core deposits | 87.3518% | 2,311 |
| Total domestic deposits to total assets | 90.4243% | 858 |
| Equity capital to assets | 9.3918% | 4,557 |
| Core capital (leverage) ratio | 9.3861% | 4,427 |
| Tier 1 risk-based capital ratio | 12.0706% | 5,578 |
| Total risk-based capital ratio | 13.1831% | 5,599 |
| Memoranda: | ||
| Average total assets | $479,905,000 | 1,385 |
| Average earning assets | $436,423,400 | 1,396 |
| Average equity | $43,420,200 | 1,614 |
| Average total loans | $327,800,000 | 1,301 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6562% | 293 |
| Cost of funding earning assets | 0.4295% | 4,512 |
| Net interest margin | 5.2267% | 208 |
| Noninterest income to average assets | 0.6089% | 3,091 |
| Noninterest expense to average assets | 3.0388% | 2,859 |
| Loan and lease loss provision to assets | 0.2232% | 1,627 |
| Net operating income to assets | 2.0993% | 305 |
| Return on assets (ROA) | 2.0993% | 315 |
| Pretax return on assets | 2.0993% | 469 |
| Return on Equity (ROE) | 23.4304% | 156 |
| Retained earnings to average equity (ytd only) | 10.9680% | 583 |
| Net charge-offs to loans | -0.0385% | 6,223 |
| Credit loss provision to net charge-offs | -860.2151% | 6,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6805% | 5,837 |
| Assets per employee ($millions) | 3.8331% | 4,161 |
| Cash dividends to net income (ytd only)* | 53.1889% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 4,949 |
| Loan loss allowance to noncurrent loans | 371.9478% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 5,782 |
| Noncurrent loans to loans | 0.3180% | 5,432 |
| Net loans and leases to total assets | 69.0431% | 2,136 |
| Net loans and leases to deposits | 76.2424% | 2,928 |
| Net loans and leases to core deposits | 84.8625% | 2,557 |
| Total domestic deposits to total assets | 90.5574% | 721 |
| Equity capital to assets | 9.1327% | 5,013 |
| Core capital (leverage) ratio | 9.2241% | 4,797 |
| Tier 1 risk-based capital ratio | 12.0404% | 5,760 |
| Total risk-based capital ratio | 13.1371% | 5,791 |
| Memoranda: | ||
| Average total assets | $477,979,250 | 1,397 |
| Average earning assets | $434,603,750 | 1,404 |
| Average equity | $42,826,500 | 1,649 |
| Average total loans | $322,195,500 | 1,325 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4193% | 433 |
| Cost of funding earning assets | 0.4295% | 4,667 |
| Net interest margin | 4.9898% | 313 |
| Noninterest income to average assets | 0.6076% | 3,145 |
| Noninterest expense to average assets | 2.9745% | 3,078 |
| Loan and lease loss provision to assets | 0.3359% | 1,021 |
| Net operating income to assets | 1.8244% | 489 |
| Return on assets (ROA) | 1.8244% | 524 |
| Pretax return on assets | 1.8244% | 884 |
| Return on Equity (ROE) | 20.4956% | 274 |
| Retained earnings to average equity (ytd only) | 8.9058% | 1,161 |
| Net charge-offs to loans | -0.5960% | 6,837 |
| Credit loss provision to net charge-offs | -84.6561% | 5,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9279% | 5,740 |
| Assets per employee ($millions) | 3.7344% | 4,337 |
| Cash dividends to net income (ytd only)* | 56.5478% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 3,830 |
| Loan loss allowance to noncurrent loans | 166.0837% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.6629% | 4,570 |
| Noncurrent loans to loans | 0.8700% | 4,183 |
| Net loans and leases to total assets | 69.6530% | 1,945 |
| Net loans and leases to deposits | 76.7260% | 2,767 |
| Net loans and leases to core deposits | 84.1954% | 2,528 |
| Total domestic deposits to total assets | 90.7815% | 630 |
| Equity capital to assets | 8.9494% | 5,265 |
| Core capital (leverage) ratio | 8.8971% | 5,150 |
| Tier 1 risk-based capital ratio | 11.8414% | 5,886 |
| Total risk-based capital ratio | 13.0926% | 5,842 |
| Memoranda: | ||
| Average total assets | $476,316,000 | 1,401 |
| Average earning assets | $432,159,330 | 1,414 |
| Average equity | $42,399,330 | 1,664 |
| Average total loans | $317,111,330 | 1,337 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2861% | 527 |
| Cost of funding earning assets | 0.4312% | 4,792 |
| Net interest margin | 4.8549% | 367 |
| Noninterest income to average assets | 0.5363% | 3,524 |
| Noninterest expense to average assets | 2.8918% | 3,376 |
| Loan and lease loss provision to assets | 0.5028% | 539 |
| Net operating income to assets | 1.5285% | 805 |
| Return on assets (ROA) | 1.5285% | 879 |
| Pretax return on assets | 1.5285% | 1,495 |
| Return on Equity (ROE) | 17.2169% | 497 |
| Retained earnings to average equity (ytd only) | 9.8166% | 1,150 |
| Net charge-offs to loans | 0.0896% | 2,943 |
| Credit loss provision to net charge-offs | 869.5652% | 347 |
| Earnings coverage of net charge-offs (x) | 35.1304% | 875 |
| Efficiency ratio | 58.7404% | 5,749 |
| Assets per employee ($millions) | 3.6415% | 4,694 |
| Cash dividends to net income (ytd only)* | 42.9825% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 5,392 |
| Loan loss allowance to noncurrent loans | 141.9961% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 4,475 |
| Noncurrent loans to loans | 0.8123% | 4,500 |
| Net loans and leases to total assets | 65.1790% | 2,518 |
| Net loans and leases to deposits | 71.7844% | 3,207 |
| Net loans and leases to core deposits | 78.2914% | 3,019 |
| Total domestic deposits to total assets | 90.7983% | 614 |
| Equity capital to assets | 8.9692% | 5,522 |
| Core capital (leverage) ratio | 8.8211% | 5,154 |
| Tier 1 risk-based capital ratio | 12.1651% | 5,814 |
| Total risk-based capital ratio | 13.2328% | 5,889 |
| Memoranda: | ||
| Average total assets | $477,341,500 | 1,407 |
| Average earning assets | $431,321,000 | 1,427 |
| Average equity | $42,377,000 | 1,683 |
| Average total loans | $308,075,500 | 1,381 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5705% | 544 |
| Cost of funding earning assets | 0.4997% | 5,224 |
| Net interest margin | 5.0708% | 336 |
| Noninterest income to average assets | 0.5772% | 3,401 |
| Noninterest expense to average assets | 3.0577% | 3,062 |
| Loan and lease loss provision to assets | 0.6171% | 883 |
| Net operating income to assets | 1.4873% | 940 |
| Return on assets (ROA) | 1.4873% | 1,040 |
| Pretax return on assets | 1.4873% | 1,718 |
| Return on Equity (ROE) | 16.8375% | 555 |
| Retained earnings to average equity (ytd only) | 7.4221% | 1,365 |
| Net charge-offs to loans | 0.9755% | 1,124 |
| Credit loss provision to net charge-offs | 99.1150% | 3,130 |
| Earnings coverage of net charge-offs (x) | 3.3802% | 3,753 |
| Efficiency ratio | 59.2341% | 5,662 |
| Assets per employee ($millions) | 3.8520% | 4,265 |
| Cash dividends to net income (ytd only)* | 55.9194% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 5,870 |
| Loan loss allowance to noncurrent loans | 104.0995% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.9536% | 4,120 |
| Noncurrent loans to loans | 0.9867% | 4,219 |
| Net loans and leases to total assets | 62.4934% | 3,166 |
| Net loans and leases to deposits | 68.6324% | 3,884 |
| Net loans and leases to core deposits | 74.3930% | 3,732 |
| Total domestic deposits to total assets | 91.0552% | 476 |
| Equity capital to assets | 8.7863% | 5,758 |
| Core capital (leverage) ratio | 8.5606% | 5,521 |
| Tier 1 risk-based capital ratio | 12.1429% | 5,692 |
| Total risk-based capital ratio | 13.0764% | 5,856 |
| Memoranda: | ||
| Average total assets | $453,770,600 | 1,451 |
| Average earning assets | $410,287,000 | 1,470 |
| Average equity | $40,083,200 | 1,735 |
| Average total loans | $289,590,400 | 1,455 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6233% | 536 |
| Cost of funding earning assets | 0.5148% | 5,344 |
| Net interest margin | 5.1085% | 337 |
| Noninterest income to average assets | 0.5684% | 3,483 |
| Noninterest expense to average assets | 3.1418% | 2,750 |
| Loan and lease loss provision to assets | 0.6163% | 871 |
| Net operating income to assets | 1.4372% | 1,148 |
| Return on assets (ROA) | 1.4372% | 1,271 |
| Pretax return on assets | 1.4372% | 2,125 |
| Return on Equity (ROE) | 16.2472% | 709 |
| Retained earnings to average equity (ytd only) | 6.3077% | 2,481 |
| Net charge-offs to loans | 0.9500% | 1,129 |
| Credit loss provision to net charge-offs | 101.3712% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.3776% | 3,670 |
| Efficiency ratio | 60.4734% | 5,419 |
| Assets per employee ($millions) | 3.7964% | 4,307 |
| Cash dividends to net income (ytd only)* | 61.1766% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 6,002 |
| Loan loss allowance to noncurrent loans | 79.4503% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.0780% | 4,140 |
| Noncurrent loans to loans | 1.2860% | 3,893 |
| Net loans and leases to total assets | 65.3703% | 2,760 |
| Net loans and leases to deposits | 71.8788% | 3,624 |
| Net loans and leases to core deposits | 77.6413% | 3,512 |
| Total domestic deposits to total assets | 90.9452% | 427 |
| Equity capital to assets | 8.7702% | 6,044 |
| Core capital (leverage) ratio | 8.5209% | 5,720 |
| Tier 1 risk-based capital ratio | 11.5343% | 6,210 |
| Total risk-based capital ratio | 12.4615% | 6,363 |
| Memoranda: | ||
| Average total assets | $447,800,250 | 1,490 |
| Average earning assets | $405,585,250 | 1,505 |
| Average equity | $39,612,000 | 1,769 |
| Average total loans | $286,588,250 | 1,473 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5003% | 722 |
| Cost of funding earning assets | 0.5319% | 5,418 |
| Net interest margin | 4.9684% | 423 |
| Noninterest income to average assets | 0.5777% | 3,391 |
| Noninterest expense to average assets | 3.1141% | 2,882 |
| Loan and lease loss provision to assets | 0.6434% | 891 |
| Net operating income to assets | 1.3153% | 1,401 |
| Return on assets (ROA) | 1.3153% | 1,552 |
| Pretax return on assets | 1.3153% | 2,501 |
| Return on Equity (ROE) | 14.8245% | 965 |
| Retained earnings to average equity (ytd only) | 3.2580% | 4,446 |
| Net charge-offs to loans | 0.3888% | 2,465 |
| Credit loss provision to net charge-offs | 261.5101% | 1,099 |
| Earnings coverage of net charge-offs (x) | 7.9613% | 2,384 |
| Efficiency ratio | 61.3880% | 5,352 |
| Assets per employee ($millions) | 3.6429% | 4,655 |
| Cash dividends to net income (ytd only)* | 78.0227% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 4,755 |
| Loan loss allowance to noncurrent loans | 96.4320% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 1.4628% | 3,517 |
| Noncurrent loans to loans | 1.3765% | 3,855 |
| Net loans and leases to total assets | 65.2972% | 2,802 |
| Net loans and leases to deposits | 71.7241% | 3,649 |
| Net loans and leases to core deposits | 77.4102% | 3,601 |
| Total domestic deposits to total assets | 91.0394% | 434 |
| Equity capital to assets | 8.7061% | 6,022 |
| Core capital (leverage) ratio | 8.4321% | 5,738 |
| Tier 1 risk-based capital ratio | 11.3763% | 6,295 |
| Total risk-based capital ratio | 12.5752% | 6,302 |
| Memoranda: | ||
| Average total assets | $441,415,330 | 1,505 |
| Average earning assets | $399,360,670 | 1,529 |
| Average equity | $39,165,000 | 1,774 |
| Average total loans | $279,317,330 | 1,506 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4004% | 909 |
| Cost of funding earning assets | 0.5451% | 5,526 |
| Net interest margin | 4.8553% | 502 |
| Noninterest income to average assets | 0.5487% | 3,571 |
| Noninterest expense to average assets | 3.0347% | 3,135 |
| Loan and lease loss provision to assets | 0.5708% | 1,015 |
| Net operating income to assets | 1.3304% | 1,375 |
| Return on assets (ROA) | 1.3304% | 1,535 |
| Pretax return on assets | 1.3304% | 2,425 |
| Return on Equity (ROE) | 14.8489% | 1,003 |
| Retained earnings to average equity (ytd only) | 0.7707% | 5,750 |
| Net charge-offs to loans | -0.0865% | 6,736 |
| Credit loss provision to net charge-offs | -1,068.9655% | 5,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4811% | 5,373 |
| Assets per employee ($millions) | 3.7776% | 4,476 |
| Cash dividends to net income (ytd only)* | 94.8097% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 4,563 |
| Loan loss allowance to noncurrent loans | 123.0495% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 1.3176% | 3,919 |
| Noncurrent loans to loans | 1.1461% | 4,418 |
| Net loans and leases to total assets | 59.1091% | 3,835 |
| Net loans and leases to deposits | 64.8270% | 4,504 |
| Net loans and leases to core deposits | 69.8156% | 4,449 |
| Total domestic deposits to total assets | 91.1798% | 484 |
| Equity capital to assets | 8.6295% | 5,951 |
| Core capital (leverage) ratio | 8.7062% | 5,285 |
| Tier 1 risk-based capital ratio | 12.0245% | 5,945 |
| Total risk-based capital ratio | 13.2469% | 5,950 |
| Memoranda: | ||
| Average total assets | $434,442,500 | 1,534 |
| Average earning assets | $392,564,000 | 1,551 |
| Average equity | $38,925,500 | 1,786 |
| Average total loans | $268,307,000 | 1,567 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7285% | 738 |
| Cost of funding earning assets | 0.7107% | 5,473 |
| Net interest margin | 5.0178% | 406 |
| Noninterest income to average assets | 0.6084% | 3,119 |
| Noninterest expense to average assets | 3.2459% | 2,701 |
| Loan and lease loss provision to assets | 0.3683% | 2,783 |
| Net operating income to assets | 1.4924% | 839 |
| Return on assets (ROA) | 1.4924% | 911 |
| Pretax return on assets | 1.4924% | 1,496 |
| Return on Equity (ROE) | 16.6733% | 509 |
| Retained earnings to average equity (ytd only) | 9.6025% | 648 |
| Net charge-offs to loans | 0.3405% | 3,698 |
| Credit loss provision to net charge-offs | 168.7289% | 1,593 |
| Earnings coverage of net charge-offs (x) | 8.5253% | 2,132 |
| Efficiency ratio | 63.5625% | 5,202 |
| Assets per employee ($millions) | 3.5239% | 4,958 |
| Cash dividends to net income (ytd only)* | 42.4083% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 5,539 |
| Loan loss allowance to noncurrent loans | 141.4402% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.6031% | 5,457 |
| Noncurrent loans to loans | 0.8267% | 5,034 |
| Net loans and leases to total assets | 62.9483% | 3,416 |
| Net loans and leases to deposits | 69.5227% | 4,187 |
| Net loans and leases to core deposits | 75.5123% | 4,044 |
| Total domestic deposits to total assets | 90.5436% | 695 |
| Equity capital to assets | 9.3140% | 5,131 |
| Core capital (leverage) ratio | 9.0045% | 4,779 |
| Tier 1 risk-based capital ratio | 12.5020% | 5,446 |
| Total risk-based capital ratio | 13.5483% | 5,591 |
| Memoranda: | ||
| Average total assets | $407,318,600 | 1,594 |
| Average earning assets | $365,140,200 | 1,618 |
| Average equity | $36,459,400 | 1,856 |
| Average total loans | $261,080,400 | 1,613 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7414% | 788 |
| Cost of funding earning assets | 0.7518% | 5,463 |
| Net interest margin | 4.9896% | 425 |
| Noninterest income to average assets | 0.5451% | 3,552 |
| Noninterest expense to average assets | 3.2106% | 2,799 |
| Loan and lease loss provision to assets | 0.4287% | 2,327 |
| Net operating income to assets | 1.3662% | 1,227 |
| Return on assets (ROA) | 1.3662% | 1,313 |
| Pretax return on assets | 1.3662% | 2,060 |
| Return on Equity (ROE) | 15.4256% | 759 |
| Retained earnings to average equity (ytd only) | 6.7205% | 2,123 |
| Net charge-offs to loans | 0.3303% | 3,441 |
| Credit loss provision to net charge-offs | 202.1773% | 1,448 |
| Earnings coverage of net charge-offs (x) | 8.4650% | 2,173 |
| Efficiency ratio | 64.1412% | 5,037 |
| Assets per employee ($millions) | 3.3150% | 5,452 |
| Cash dividends to net income (ytd only)* | 56.4326% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 5,482 |
| Loan loss allowance to noncurrent loans | 118.3788% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.8712% | 5,000 |
| Noncurrent loans to loans | 1.0106% | 4,871 |
| Net loans and leases to total assets | 63.6681% | 3,379 |
| Net loans and leases to deposits | 70.2470% | 4,259 |
| Net loans and leases to core deposits | 75.8140% | 4,212 |
| Total domestic deposits to total assets | 90.6347% | 575 |
| Equity capital to assets | 9.1104% | 5,628 |
| Core capital (leverage) ratio | 8.7734% | 5,306 |
| Tier 1 risk-based capital ratio | 12.0694% | 5,850 |
| Total risk-based capital ratio | 13.1431% | 5,950 |
| Memoranda: | ||
| Average total assets | $404,311,500 | 1,615 |
| Average earning assets | $361,433,000 | 1,641 |
| Average equity | $35,809,750 | 1,891 |
| Average total loans | $259,576,750 | 1,635 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6278% | 1,026 |
| Cost of funding earning assets | 0.7955% | 5,402 |
| Net interest margin | 4.8323% | 578 |
| Noninterest income to average assets | 0.4979% | 3,872 |
| Noninterest expense to average assets | 3.2453% | 2,742 |
| Loan and lease loss provision to assets | 0.2686% | 3,248 |
| Net operating income to assets | 1.3321% | 1,238 |
| Return on assets (ROA) | 1.3321% | 1,313 |
| Pretax return on assets | 1.3321% | 2,031 |
| Return on Equity (ROE) | 15.1886% | 765 |
| Retained earnings to average equity (ytd only) | 6.5677% | 2,101 |
| Net charge-offs to loans | 0.2157% | 3,841 |
| Credit loss provision to net charge-offs | 194.2446% | 1,555 |
| Earnings coverage of net charge-offs (x) | 11.5755% | 1,704 |
| Efficiency ratio | 66.9678% | 4,705 |
| Assets per employee ($millions) | 3.4035% | 5,190 |
| Cash dividends to net income (ytd only)* | 56.7588% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 6,086 |
| Loan loss allowance to noncurrent loans | 206.1710% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.5829% | 5,756 |
| Noncurrent loans to loans | 0.5154% | 5,874 |
| Net loans and leases to total assets | 64.8431% | 3,286 |
| Net loans and leases to deposits | 71.5430% | 4,195 |
| Net loans and leases to core deposits | 77.8545% | 4,070 |
| Total domestic deposits to total assets | 90.6351% | 663 |
| Equity capital to assets | 9.1394% | 5,376 |
| Core capital (leverage) ratio | 8.8998% | 4,877 |
| Tier 1 risk-based capital ratio | 12.1329% | 5,683 |
| Total risk-based capital ratio | 13.0949% | 5,877 |
| Memoranda: | ||
| Average total assets | $402,062,670 | 1,635 |
| Average earning assets | $361,774,000 | 1,654 |
| Average equity | $35,263,330 | 1,902 |
| Average total loans | $257,808,330 | 1,665 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4587% | 1,406 |
| Cost of funding earning assets | 0.8636% | 5,184 |
| Net interest margin | 4.5951% | 869 |
| Noninterest income to average assets | 0.3297% | 5,272 |
| Noninterest expense to average assets | 3.1456% | 3,087 |
| Loan and lease loss provision to assets | 0.1139% | 4,589 |
| Net operating income to assets | 1.1901% | 1,549 |
| Return on assets (ROA) | 1.1901% | 1,593 |
| Pretax return on assets | 1.1901% | 2,416 |
| Return on Equity (ROE) | 13.8567% | 1,017 |
| Retained earnings to average equity (ytd only) | 3.8273% | 3,876 |
| Net charge-offs to loans | 0.4309% | 2,404 |
| Credit loss provision to net charge-offs | 41.6667% | 3,911 |
| Earnings coverage of net charge-offs (x) | 4.7717% | 2,401 |
| Efficiency ratio | 70.6943% | 4,117 |
| Assets per employee ($millions) | 3.4295% | 5,168 |
| Cash dividends to net income (ytd only)* | 72.3794% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 6,596 |
| Loan loss allowance to noncurrent loans | 193.8944% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.7988% | 5,312 |
| Noncurrent loans to loans | 0.4836% | 6,050 |
| Net loans and leases to total assets | 62.4097% | 3,773 |
| Net loans and leases to deposits | 68.5618% | 4,602 |
| Net loans and leases to core deposits | 75.3581% | 4,375 |
| Total domestic deposits to total assets | 91.0269% | 618 |
| Equity capital to assets | 8.7717% | 5,543 |
| Core capital (leverage) ratio | 8.4826% | 5,488 |
| Tier 1 risk-based capital ratio | 12.1144% | 5,589 |
| Total risk-based capital ratio | 12.9482% | 5,936 |
| Memoranda: | ||
| Average total assets | $403,988,000 | 1,635 |
| Average earning assets | $362,213,500 | 1,660 |
| Average equity | $34,698,000 | 1,910 |
| Average total loans | $256,219,500 | 1,690 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8628% | 1,125 |
| Cost of funding earning assets | 1.1968% | 4,579 |
| Net interest margin | 4.6660% | 879 |
| Noninterest income to average assets | 0.5700% | 3,675 |
| Noninterest expense to average assets | 3.2023% | 3,085 |
| Loan and lease loss provision to assets | 0.2111% | 5,143 |
| Net operating income to assets | 1.3673% | 1,015 |
| Return on assets (ROA) | 1.3709% | 1,078 |
| Pretax return on assets | 1.3709% | 1,736 |
| Return on Equity (ROE) | 16.3459% | 548 |
| Retained earnings to average equity (ytd only) | 12.3654% | 247 |
| Net charge-offs to loans | 0.3915% | 4,079 |
| Credit loss provision to net charge-offs | 74.7283% | 5,744 |
| Earnings coverage of net charge-offs (x) | 5.5888% | 2,590 |
| Efficiency ratio | 66.9842% | 4,767 |
| Assets per employee ($millions) | 3.5358% | 4,857 |
| Cash dividends to net income (ytd only)* | 24.3516% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 6,537 |
| Loan loss allowance to noncurrent loans | 310.7673% | 999 |
| Noncurrent assets plus other real estate owned to assets | 1.1610% | 4,690 |
| Noncurrent loans to loans | 0.3086% | 6,437 |
| Net loans and leases to total assets | 63.2198% | 4,028 |
| Net loans and leases to deposits | 69.1388% | 4,942 |
| Net loans and leases to core deposits | 77.5044% | 4,518 |
| Total domestic deposits to total assets | 91.4390% | 416 |
| Equity capital to assets | 8.4115% | 5,978 |
| Core capital (leverage) ratio | 8.3832% | 5,570 |
| Tier 1 risk-based capital ratio | 11.6435% | 5,780 |
| Total risk-based capital ratio | 12.5081% | 6,111 |
| Memoranda: | ||
| Average total assets | $390,902,600 | 1,683 |
| Average earning assets | $352,768,400 | 1,707 |
| Average equity | $32,785,000 | 2,006 |
| Average total loans | $282,018,600 | 1,585 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9767% | 980 |
| Cost of funding earning assets | 1.2412% | 4,616 |
| Net interest margin | 4.7355% | 771 |
| Noninterest income to average assets | 0.5757% | 3,612 |
| Noninterest expense to average assets | 3.2434% | 2,763 |
| Loan and lease loss provision to assets | 0.2331% | 4,741 |
| Net operating income to assets | 1.3838% | 1,140 |
| Return on assets (ROA) | 1.3886% | 1,210 |
| Pretax return on assets | 1.3886% | 1,909 |
| Return on Equity (ROE) | 16.5693% | 642 |
| Retained earnings to average equity (ytd only) | 11.1918% | 578 |
| Net charge-offs to loans | 0.1463% | 5,134 |
| Credit loss provision to net charge-offs | 214.2857% | 1,633 |
| Earnings coverage of net charge-offs (x) | 14.8635% | 1,476 |
| Efficiency ratio | 66.7330% | 4,706 |
| Assets per employee ($millions) | 3.3776% | 5,262 |
| Cash dividends to net income (ytd only)* | 32.4547% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 5,611 |
| Loan loss allowance to noncurrent loans | 46.9239% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 2.1251% | 3,298 |
| Noncurrent loans to loans | 2.5053% | 3,109 |
| Net loans and leases to total assets | 67.5864% | 3,313 |
| Net loans and leases to deposits | 74.2037% | 4,473 |
| Net loans and leases to core deposits | 83.7387% | 3,989 |
| Total domestic deposits to total assets | 91.0823% | 423 |
| Equity capital to assets | 8.6660% | 6,080 |
| Core capital (leverage) ratio | 8.3558% | 5,778 |
| Tier 1 risk-based capital ratio | 11.2317% | 6,159 |
| Total risk-based capital ratio | 12.3211% | 6,303 |
| Memoranda: | ||
| Average total assets | $386,090,000 | 1,727 |
| Average earning assets | $349,326,500 | 1,735 |
| Average equity | $32,356,250 | 2,050 |
| Average total loans | $287,071,000 | 1,573 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1337% | 706 |
| Cost of funding earning assets | 1.2776% | 4,668 |
| Net interest margin | 4.8561% | 594 |
| Noninterest income to average assets | 0.5841% | 3,454 |
| Noninterest expense to average assets | 3.2547% | 2,710 |
| Loan and lease loss provision to assets | 0.2733% | 4,201 |
| Net operating income to assets | 1.4467% | 999 |
| Return on assets (ROA) | 1.4467% | 1,066 |
| Pretax return on assets | 1.4467% | 1,706 |
| Return on Equity (ROE) | 17.4648% | 518 |
| Retained earnings to average equity (ytd only) | 11.5259% | 564 |
| Net charge-offs to loans | -0.0402% | 7,410 |
| Credit loss provision to net charge-offs | -889.8305% | 6,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4249% | 5,076 |
| Assets per employee ($millions) | 3.2133% | 5,654 |
| Cash dividends to net income (ytd only)* | 34.0050% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 5,549 |
| Loan loss allowance to noncurrent loans | 58.5967% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.7527% | 3,823 |
| Noncurrent loans to loans | 2.0157% | 3,697 |
| Net loans and leases to total assets | 73.8228% | 1,944 |
| Net loans and leases to deposits | 80.9518% | 3,438 |
| Net loans and leases to core deposits | 90.8004% | 3,152 |
| Total domestic deposits to total assets | 91.1936% | 416 |
| Equity capital to assets | 8.6056% | 6,002 |
| Core capital (leverage) ratio | 8.3158% | 5,734 |
| Tier 1 risk-based capital ratio | 10.3266% | 6,817 |
| Total risk-based capital ratio | 11.4293% | 6,893 |
| Memoranda: | ||
| Average total assets | $384,188,000 | 1,748 |
| Average earning assets | $347,360,000 | 1,759 |
| Average equity | $31,824,000 | 2,073 |
| Average total loans | $293,444,330 | 1,556 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1661% | 687 |
| Cost of funding earning assets | 1.3432% | 4,542 |
| Net interest margin | 4.8229% | 613 |
| Noninterest income to average assets | 0.5453% | 3,684 |
| Noninterest expense to average assets | 3.1463% | 3,074 |
| Loan and lease loss provision to assets | 0.3012% | 3,627 |
| Net operating income to assets | 1.4428% | 996 |
| Return on assets (ROA) | 1.4428% | 1,073 |
| Pretax return on assets | 1.4428% | 1,660 |
| Return on Equity (ROE) | 17.7604% | 533 |
| Retained earnings to average equity (ytd only) | 17.7604% | 254 |
| Net charge-offs to loans | -0.6161% | 7,818 |
| Credit loss provision to net charge-offs | -63.3188% | 6,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3373% | 5,429 |
| Assets per employee ($millions) | 2.9678% | 6,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 5,512 |
| Loan loss allowance to noncurrent loans | 52.6097% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 2.1149% | 3,365 |
| Noncurrent loans to loans | 2.2776% | 3,420 |
| Net loans and leases to total assets | 76.7931% | 1,370 |
| Net loans and leases to deposits | 84.0187% | 2,941 |
| Net loans and leases to core deposits | 94.8264% | 2,728 |
| Total domestic deposits to total assets | 91.4000% | 407 |
| Equity capital to assets | 8.4387% | 6,088 |
| Core capital (leverage) ratio | 8.0365% | 6,185 |
| Tier 1 risk-based capital ratio | 9.7768% | 7,162 |
| Total risk-based capital ratio | 10.9008% | 7,222 |
| Memoranda: | ||
| Average total assets | $385,092,500 | 1,796 |
| Average earning assets | $346,930,000 | 1,805 |
| Average equity | $31,283,000 | 2,129 |
| Average total loans | $297,338,000 | 1,582 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4254% | 783 |
| Cost of funding earning assets | 1.6862% | 4,584 |
| Net interest margin | 4.7392% | 781 |
| Noninterest income to average assets | 0.4428% | 4,859 |
| Noninterest expense to average assets | 3.1093% | 3,693 |
| Loan and lease loss provision to assets | 0.9860% | 2,300 |
| Net operating income to assets | 0.3913% | 4,159 |
| Return on assets (ROA) | 0.3913% | 4,261 |
| Pretax return on assets | 0.6478% | 3,755 |
| Return on Equity (ROE) | 5.1230% | 3,616 |
| Retained earnings to average equity (ytd only) | -1.6178% | 5,419 |
| Net charge-offs to loans | 1.4087% | 1,780 |
| Credit loss provision to net charge-offs | 89.1942% | 6,027 |
| Earnings coverage of net charge-offs (x) | 1.4779% | 4,646 |
| Efficiency ratio | 65.5485% | 5,483 |
| Assets per employee ($millions) | 2.9568% | 6,331 |
| Cash dividends to net income (ytd only)* | 131.5789% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 6,699 |
| Loan loss allowance to noncurrent loans | 84.1883% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.0961% | 4,899 |
| Noncurrent loans to loans | 1.1068% | 5,114 |
| Net loans and leases to total assets | 75.9986% | 1,797 |
| Net loans and leases to deposits | 82.5430% | 3,534 |
| Net loans and leases to core deposits | 150.7481% | 495 |
| Total domestic deposits to total assets | 92.0715% | 254 |
| Equity capital to assets | 7.8168% | 6,750 |
| Core capital (leverage) ratio | 7.5081% | 6,781 |
| Tier 1 risk-based capital ratio | 9.1819% | 7,384 |
| Total risk-based capital ratio | 10.0537% | 7,562 |
| Memoranda: | ||
| Average total assets | $388,419,400 | 1,768 |
| Average earning assets | $352,447,000 | 1,772 |
| Average equity | $29,670,400 | 2,249 |
| Average total loans | $304,817,200 | 1,577 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4333% | 868 |
| Cost of funding earning assets | 1.7445% | 4,669 |
| Net interest margin | 4.6888% | 846 |
| Noninterest income to average assets | 0.5846% | 3,817 |
| Noninterest expense to average assets | 3.1306% | 3,534 |
| Loan and lease loss provision to assets | 1.0190% | 1,885 |
| Net operating income to assets | 0.4172% | 4,330 |
| Return on assets (ROA) | 0.4172% | 4,427 |
| Pretax return on assets | 0.6990% | 3,861 |
| Return on Equity (ROE) | 5.4942% | 3,741 |
| Retained earnings to average equity (ytd only) | -3.5572% | 6,039 |
| Net charge-offs to loans | 0.6214% | 2,815 |
| Credit loss provision to net charge-offs | 207.7786% | 2,131 |
| Earnings coverage of net charge-offs (x) | 3.5032% | 3,506 |
| Efficiency ratio | 64.5662% | 5,645 |
| Assets per employee ($millions) | 2.9932% | 6,173 |
| Cash dividends to net income (ytd only)* | 164.7443% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 3,201 |
| Loan loss allowance to noncurrent loans | 47.0311% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 2.8744% | 2,422 |
| Noncurrent loans to loans | 3.2917% | 2,295 |
| Net loans and leases to total assets | 78.3172% | 1,514 |
| Net loans and leases to deposits | 85.0814% | 3,482 |
| Net loans and leases to core deposits | 157.0121% | 444 |
| Total domestic deposits to total assets | 92.0498% | 166 |
| Equity capital to assets | 7.7323% | 7,119 |
| Core capital (leverage) ratio | 7.3371% | 7,152 |
| Tier 1 risk-based capital ratio | 8.7011% | 7,710 |
| Total risk-based capital ratio | 9.9538% | 7,740 |
| Memoranda: | ||
| Average total assets | $387,948,750 | 1,779 |
| Average earning assets | $352,799,750 | 1,785 |
| Average equity | $29,460,750 | 2,291 |
| Average total loans | $306,168,000 | 1,585 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4909% | 840 |
| Cost of funding earning assets | 1.8082% | 4,718 |
| Net interest margin | 4.6827% | 823 |
| Noninterest income to average assets | 0.6022% | 3,677 |
| Noninterest expense to average assets | 3.1458% | 3,515 |
| Loan and lease loss provision to assets | 0.8670% | 1,942 |
| Net operating income to assets | 0.4175% | 4,435 |
| Return on assets (ROA) | 0.4175% | 4,546 |
| Pretax return on assets | 0.8406% | 3,539 |
| Return on Equity (ROE) | 5.5313% | 3,847 |
| Retained earnings to average equity (ytd only) | -8.1431% | 6,683 |
| Net charge-offs to loans | 0.5212% | 2,761 |
| Credit loss provision to net charge-offs | 211.3208% | 2,169 |
| Earnings coverage of net charge-offs (x) | 4.1623% | 3,192 |
| Efficiency ratio | 64.8166% | 5,755 |
| Assets per employee ($millions) | 3.0430% | 6,017 |
| Cash dividends to net income (ytd only)* | 247.2188% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 3,854 |
| Loan loss allowance to noncurrent loans | 58.4687% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 1.9931% | 3,206 |
| Noncurrent loans to loans | 2.3541% | 3,076 |
| Net loans and leases to total assets | 75.5499% | 2,297 |
| Net loans and leases to deposits | 81.8510% | 4,250 |
| Net loans and leases to core deposits | 151.5225% | 612 |
| Total domestic deposits to total assets | 92.3018% | 170 |
| Equity capital to assets | 7.4585% | 7,306 |
| Core capital (leverage) ratio | 7.2256% | 7,329 |
| Tier 1 risk-based capital ratio | 8.7966% | 7,786 |
| Total risk-based capital ratio | 10.0472% | 7,824 |
| Memoranda: | ||
| Average total assets | $387,558,330 | 1,807 |
| Average earning assets | $351,847,330 | 1,810 |
| Average equity | $29,251,670 | 2,322 |
| Average total loans | $305,044,000 | 1,619 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5701% | 755 |
| Cost of funding earning assets | 1.8564% | 4,844 |
| Net interest margin | 4.7137% | 748 |
| Noninterest income to average assets | 0.4789% | 4,517 |
| Noninterest expense to average assets | 3.0208% | 3,669 |
| Loan and lease loss provision to assets | 0.8570% | 1,526 |
| Net operating income to assets | 0.0197% | 6,207 |
| Return on assets (ROA) | 0.0197% | 6,364 |
| Pretax return on assets | 0.8715% | 3,823 |
| Return on Equity (ROE) | 0.2599% | 6,350 |
| Retained earnings to average equity (ytd only) | -22.9971% | 7,723 |
| Net charge-offs to loans | 0.1966% | 3,458 |
| Credit loss provision to net charge-offs | 546.3576% | 1,017 |
| Earnings coverage of net charge-offs (x) | 11.0199% | 1,902 |
| Efficiency ratio | 63.6045% | 5,761 |
| Assets per employee ($millions) | 3.0225% | 6,095 |
| Cash dividends to net income (ytd only)* | 8,947.3684% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 4,391 |
| Loan loss allowance to noncurrent loans | 114.2192% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 1.0287% | 4,639 |
| Noncurrent loans to loans | 1.0978% | 4,790 |
| Net loans and leases to total assets | 79.3354% | 1,511 |
| Net loans and leases to deposits | 85.7525% | 3,675 |
| Net loans and leases to core deposits | 148.0619% | 777 |
| Total domestic deposits to total assets | 92.5168% | 121 |
| Equity capital to assets | 7.2906% | 7,501 |
| Core capital (leverage) ratio | 7.2398% | 7,438 |
| Tier 1 risk-based capital ratio | 8.3600% | 7,967 |
| Total risk-based capital ratio | 9.5481% | 8,013 |
| Memoranda: | ||
| Average total assets | $385,064,000 | 1,824 |
| Average earning assets | $348,853,000 | 1,834 |
| Average equity | $29,238,500 | 2,334 |
| Average total loans | $307,212,000 | 1,629 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3693% | 118 |
| Cost of funding earning assets | 2.6339% | 3,512 |
| Net interest margin | 5.7354% | 145 |
| Noninterest income to average assets | 0.6375% | 3,574 |
| Noninterest expense to average assets | 3.3250% | 2,882 |
| Loan and lease loss provision to assets | 0.2903% | 4,059 |
| Net operating income to assets | 1.3877% | 1,256 |
| Return on assets (ROA) | 1.3877% | 1,205 |
| Pretax return on assets | 2.1408% | 446 |
| Return on Equity (ROE) | 17.8513% | 540 |
| Retained earnings to average equity (ytd only) | 16.9270% | 57 |
| Net charge-offs to loans | 0.2584% | 3,690 |
| Credit loss provision to net charge-offs | 143.2624% | 3,692 |
| Earnings coverage of net charge-offs (x) | 11.9972% | 2,307 |
| Efficiency ratio | 57.7649% | 6,738 |
| Assets per employee ($millions) | 2.9475% | 6,179 |
| Cash dividends to net income (ytd only)* | 5.1781% | 4,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 5,411 |
| Loan loss allowance to noncurrent loans | 3,656.1798% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 6,866 |
| Noncurrent loans to loans | 0.0296% | 7,391 |
| Net loans and leases to total assets | 78.3512% | 2,039 |
| Net loans and leases to deposits | 85.2374% | 4,219 |
| Net loans and leases to core deposits | 143.3037% | 1,124 |
| Total domestic deposits to total assets | 91.9212% | 146 |
| Equity capital to assets | 7.9034% | 6,965 |
| Core capital (leverage) ratio | 7.5028% | 7,204 |
| Tier 1 risk-based capital ratio | 9.1743% | 7,641 |
| Total risk-based capital ratio | 10.1925% | 7,832 |
| Memoranda: | ||
| Average total assets | $347,913,200 | 1,911 |
| Average earning assets | $310,492,000 | 1,964 |
| Average equity | $27,045,600 | 2,473 |
| Average total loans | $272,860,600 | 1,753 |