Home > Community Bank > Performance and Condition Ratios
Community Bank, 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 | 4.2735% | 2,418 |
| Cost of funding earning assets | 0.4133% | 3,123 |
| Net interest margin | 3.8602% | 2,226 |
| Noninterest income to average assets | 0.7389% | 1,810 |
| Noninterest expense to average assets | 2.5250% | 3,698 |
| Loan and lease loss provision to assets | 0.0876% | 2,434 |
| Net operating income to assets | 1.0439% | 2,075 |
| Return on assets (ROA) | 1.0440% | 2,107 |
| Pretax return on assets | 1.7421% | 914 |
| Return on Equity (ROE) | 12.3184% | 1,123 |
| Retained earnings to average equity (ytd only) | 0.9708% | 4,635 |
| Net charge-offs to loans | 0.1921% | 1,324 |
| Credit loss provision to net charge-offs | 60.5238% | 3,205 |
| Earnings coverage of net charge-offs (x) | 12.6382% | 2,454 |
| Efficiency ratio | 57.9867% | 4,526 |
| Assets per employee ($millions) | 5.7647% | 1,693 |
| Cash dividends to net income (ytd only)* | 92.1194% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8983% | 4,479 |
| Loan loss allowance to noncurrent loans | 132.4266% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.8937% | 1,742 |
| Noncurrent loans to loans | 0.6783% | 2,514 |
| Net loans and leases to total assets | 74.5300% | 1,831 |
| Net loans and leases to deposits | 82.8322% | 2,627 |
| Net loans and leases to core deposits | 89.8721% | 2,577 |
| Total domestic deposits to total assets | 89.9771% | 578 |
| Equity capital to assets | 8.3557% | 5,224 |
| Core capital (leverage) ratio | 8.4460% | 5,182 |
| Tier 1 risk-based capital ratio | 13.1150% | 3,840 |
| Total risk-based capital ratio | 14.1668% | 3,858 |
| Memoranda: | ||
| Average total assets | $712,233,800 | 1,027 |
| Average earning assets | $667,081,800 | 1,016 |
| Average equity | $60,365,000 | 1,305 |
| Average total loans | $536,800,800 | 951 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2553% | 2,411 |
| Cost of funding earning assets | 0.4026% | 3,164 |
| Net interest margin | 3.8527% | 2,209 |
| Noninterest income to average assets | 0.7452% | 1,807 |
| Noninterest expense to average assets | 2.5234% | 3,657 |
| Loan and lease loss provision to assets | 0.0905% | 2,260 |
| Net operating income to assets | 1.1111% | 2,040 |
| Return on assets (ROA) | 1.1113% | 2,098 |
| Pretax return on assets | 1.7399% | 1,025 |
| Return on Equity (ROE) | 13.0651% | 1,044 |
| Retained earnings to average equity (ytd only) | 1.9182% | 4,669 |
| Net charge-offs to loans | 0.1093% | 1,698 |
| Credit loss provision to net charge-offs | 109.7950% | 2,142 |
| Earnings coverage of net charge-offs (x) | 22.2027% | 1,876 |
| Efficiency ratio | 57.9635% | 4,508 |
| Assets per employee ($millions) | 5.8508% | 1,607 |
| Cash dividends to net income (ytd only)* | 85.3186% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 4,179 |
| Loan loss allowance to noncurrent loans | 117.9681% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.9651% | 1,762 |
| Noncurrent loans to loans | 0.8322% | 2,283 |
| Net loans and leases to total assets | 74.5320% | 1,832 |
| Net loans and leases to deposits | 83.3469% | 2,622 |
| Net loans and leases to core deposits | 89.8871% | 2,620 |
| Total domestic deposits to total assets | 89.4238% | 684 |
| Equity capital to assets | 8.4523% | 5,316 |
| Core capital (leverage) ratio | 8.4516% | 5,274 |
| Tier 1 risk-based capital ratio | 13.1428% | 3,911 |
| Total risk-based capital ratio | 14.2911% | 3,895 |
| Memoranda: | ||
| Average total assets | $710,144,750 | 1,033 |
| Average earning assets | $665,068,250 | 1,027 |
| Average equity | $60,403,750 | 1,315 |
| Average total loans | $535,520,000 | 959 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 2,466 |
| Cost of funding earning assets | 0.3904% | 3,174 |
| Net interest margin | 3.8117% | 2,244 |
| Noninterest income to average assets | 0.7384% | 1,821 |
| Noninterest expense to average assets | 2.5033% | 3,737 |
| Loan and lease loss provision to assets | 0.0951% | 2,088 |
| Net operating income to assets | 1.0885% | 2,033 |
| Return on assets (ROA) | 1.0889% | 2,086 |
| Pretax return on assets | 1.7036% | 1,050 |
| Return on Equity (ROE) | 12.7741% | 1,095 |
| Retained earnings to average equity (ytd only) | 1.9880% | 4,460 |
| Net charge-offs to loans | 0.1121% | 1,511 |
| Credit loss provision to net charge-offs | 112.3746% | 1,862 |
| Earnings coverage of net charge-offs (x) | 21.2575% | 1,759 |
| Efficiency ratio | 58.1980% | 4,563 |
| Assets per employee ($millions) | 5.8260% | 1,593 |
| Cash dividends to net income (ytd only)* | 84.4375% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 4,194 |
| Loan loss allowance to noncurrent loans | 130.5480% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.9992% | 1,753 |
| Noncurrent loans to loans | 0.7599% | 2,492 |
| Net loans and leases to total assets | 73.9813% | 1,869 |
| Net loans and leases to deposits | 82.6306% | 2,636 |
| Net loans and leases to core deposits | 88.9755% | 2,618 |
| Total domestic deposits to total assets | 89.5327% | 718 |
| Equity capital to assets | 8.4588% | 5,330 |
| Core capital (leverage) ratio | 8.5343% | 5,192 |
| Tier 1 risk-based capital ratio | 13.3915% | 3,754 |
| Total risk-based capital ratio | 14.5655% | 3,709 |
| Memoranda: | ||
| Average total assets | $706,977,330 | 1,040 |
| Average earning assets | $660,855,000 | 1,031 |
| Average equity | $60,262,670 | 1,317 |
| Average total loans | $533,465,000 | 965 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1672% | 2,393 |
| Cost of funding earning assets | 0.3833% | 3,168 |
| Net interest margin | 3.7838% | 2,171 |
| Noninterest income to average assets | 0.7542% | 1,729 |
| Noninterest expense to average assets | 2.4963% | 3,818 |
| Loan and lease loss provision to assets | 0.1054% | 1,814 |
| Net operating income to assets | 1.0691% | 1,994 |
| Return on assets (ROA) | 1.0698% | 2,028 |
| Pretax return on assets | 1.6965% | 1,013 |
| Return on Equity (ROE) | 12.5021% | 1,111 |
| Retained earnings to average equity (ytd only) | 2.5164% | 4,136 |
| Net charge-offs to loans | 0.1255% | 1,168 |
| Credit loss provision to net charge-offs | 110.7784% | 1,474 |
| Earnings coverage of net charge-offs (x) | 18.9281% | 1,553 |
| Efficiency ratio | 58.0936% | 4,702 |
| Assets per employee ($millions) | 5.5596% | 1,828 |
| Cash dividends to net income (ytd only)* | 79.8722% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 4,274 |
| Loan loss allowance to noncurrent loans | 179.8505% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.9141% | 2,028 |
| Noncurrent loans to loans | 0.5567% | 3,134 |
| Net loans and leases to total assets | 73.5476% | 1,814 |
| Net loans and leases to deposits | 82.1540% | 2,490 |
| Net loans and leases to core deposits | 87.9339% | 2,555 |
| Total domestic deposits to total assets | 89.5240% | 887 |
| Equity capital to assets | 8.4768% | 5,257 |
| Core capital (leverage) ratio | 8.6311% | 5,120 |
| Tier 1 risk-based capital ratio | 13.5613% | 3,746 |
| Total risk-based capital ratio | 14.7502% | 3,690 |
| Memoranda: | ||
| Average total assets | $702,165,500 | 1,050 |
| Average earning assets | $657,426,000 | 1,036 |
| Average equity | $60,086,000 | 1,318 |
| Average total loans | $532,466,000 | 965 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 2,543 |
| Cost of funding earning assets | 0.3700% | 3,314 |
| Net interest margin | 3.8125% | 2,270 |
| Noninterest income to average assets | 0.7332% | 2,026 |
| Noninterest expense to average assets | 2.4680% | 4,111 |
| Loan and lease loss provision to assets | 0.0926% | 2,509 |
| Net operating income to assets | 1.1071% | 1,871 |
| Return on assets (ROA) | 1.1131% | 1,942 |
| Pretax return on assets | 1.7423% | 909 |
| Return on Equity (ROE) | 13.3531% | 920 |
| Retained earnings to average equity (ytd only) | 4.8512% | 2,444 |
| Net charge-offs to loans | 0.1348% | 1,896 |
| Credit loss provision to net charge-offs | 91.5849% | 2,768 |
| Earnings coverage of net charge-offs (x) | 18.0631% | 1,989 |
| Efficiency ratio | 57.4824% | 4,909 |
| Assets per employee ($millions) | 5.4976% | 1,866 |
| Cash dividends to net income (ytd only)* | 63.6699% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 4,421 |
| Loan loss allowance to noncurrent loans | 113.2217% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.2894% | 1,374 |
| Noncurrent loans to loans | 0.8688% | 2,363 |
| Net loans and leases to total assets | 76.6532% | 1,414 |
| Net loans and leases to deposits | 85.6349% | 2,227 |
| Net loans and leases to core deposits | 92.0238% | 2,300 |
| Total domestic deposits to total assets | 89.5117% | 850 |
| Equity capital to assets | 8.6399% | 5,156 |
| Core capital (leverage) ratio | 8.5720% | 5,192 |
| Tier 1 risk-based capital ratio | 13.4476% | 3,805 |
| Total risk-based capital ratio | 14.6301% | 3,747 |
| Memoranda: | ||
| Average total assets | $705,502,800 | 1,016 |
| Average earning assets | $658,832,600 | 1,000 |
| Average equity | $58,810,200 | 1,315 |
| Average total loans | $529,065,000 | 929 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 2,678 |
| Cost of funding earning assets | 0.3667% | 3,368 |
| Net interest margin | 3.7845% | 2,389 |
| Noninterest income to average assets | 0.7377% | 2,014 |
| Noninterest expense to average assets | 2.4773% | 4,055 |
| Loan and lease loss provision to assets | 0.0862% | 2,504 |
| Net operating income to assets | 1.0849% | 2,065 |
| Return on assets (ROA) | 1.0929% | 2,129 |
| Pretax return on assets | 1.7203% | 1,060 |
| Return on Equity (ROE) | 13.2281% | 985 |
| Retained earnings to average equity (ytd only) | 5.2580% | 2,661 |
| Net charge-offs to loans | 0.1128% | 1,817 |
| Credit loss provision to net charge-offs | 102.6906% | 2,304 |
| Earnings coverage of net charge-offs (x) | 21.3812% | 1,820 |
| Efficiency ratio | 57.9986% | 4,816 |
| Assets per employee ($millions) | 5.7655% | 1,606 |
| Cash dividends to net income (ytd only)* | 60.2513% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 4,449 |
| Loan loss allowance to noncurrent loans | 176.8773% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 1.1843% | 1,684 |
| Noncurrent loans to loans | 0.5614% | 3,316 |
| Net loans and leases to total assets | 73.9707% | 1,872 |
| Net loans and leases to deposits | 82.6726% | 2,644 |
| Net loans and leases to core deposits | 88.1123% | 2,748 |
| Total domestic deposits to total assets | 89.4742% | 678 |
| Equity capital to assets | 8.3228% | 5,617 |
| Core capital (leverage) ratio | 8.3154% | 5,490 |
| Tier 1 risk-based capital ratio | 13.3304% | 3,964 |
| Total risk-based capital ratio | 14.5296% | 3,902 |
| Memoranda: | ||
| Average total assets | $708,702,750 | 1,015 |
| Average earning assets | $661,727,500 | 1,006 |
| Average equity | $58,550,500 | 1,326 |
| Average total loans | $527,267,750 | 933 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 2,700 |
| Cost of funding earning assets | 0.3640% | 3,413 |
| Net interest margin | 3.7799% | 2,401 |
| Noninterest income to average assets | 0.7447% | 1,952 |
| Noninterest expense to average assets | 2.4839% | 4,074 |
| Loan and lease loss provision to assets | 0.0860% | 2,422 |
| Net operating income to assets | 1.0696% | 2,086 |
| Return on assets (ROA) | 1.0816% | 2,165 |
| Pretax return on assets | 1.7182% | 1,049 |
| Return on Equity (ROE) | 13.1247% | 1,000 |
| Retained earnings to average equity (ytd only) | 4.5150% | 3,041 |
| Net charge-offs to loans | 0.1123% | 1,705 |
| Credit loss provision to net charge-offs | 103.0612% | 2,050 |
| Earnings coverage of net charge-offs (x) | 21.3980% | 1,683 |
| Efficiency ratio | 58.1799% | 4,878 |
| Assets per employee ($millions) | 5.5674% | 1,727 |
| Cash dividends to net income (ytd only)* | 65.5996% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 4,479 |
| Loan loss allowance to noncurrent loans | 129.2070% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 1.4038% | 1,404 |
| Noncurrent loans to loans | 0.7791% | 2,805 |
| Net loans and leases to total assets | 74.3258% | 1,772 |
| Net loans and leases to deposits | 83.0143% | 2,587 |
| Net loans and leases to core deposits | 88.6133% | 2,672 |
| Total domestic deposits to total assets | 89.5338% | 663 |
| Equity capital to assets | 8.3336% | 5,676 |
| Core capital (leverage) ratio | 8.1872% | 5,606 |
| Tier 1 risk-based capital ratio | 13.2684% | 4,035 |
| Total risk-based capital ratio | 14.4819% | 3,974 |
| Memoranda: | ||
| Average total assets | $704,708,000 | 1,021 |
| Average earning assets | $657,114,330 | 1,009 |
| Average equity | $58,073,670 | 1,343 |
| Average total loans | $523,542,330 | 936 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1291% | 2,730 |
| Cost of funding earning assets | 0.3531% | 3,568 |
| Net interest margin | 3.7761% | 2,382 |
| Noninterest income to average assets | 0.7454% | 1,833 |
| Noninterest expense to average assets | 2.4778% | 4,138 |
| Loan and lease loss provision to assets | 0.0682% | 2,589 |
| Net operating income to assets | 1.0780% | 1,991 |
| Return on assets (ROA) | 1.0780% | 2,097 |
| Pretax return on assets | 1.7199% | 1,019 |
| Return on Equity (ROE) | 13.1556% | 1,000 |
| Retained earnings to average equity (ytd only) | 6.2170% | 2,272 |
| Net charge-offs to loans | 0.0854% | 1,646 |
| Credit loss provision to net charge-offs | 108.1081% | 1,531 |
| Earnings coverage of net charge-offs (x) | 28.3333% | 1,215 |
| Efficiency ratio | 58.0834% | 4,986 |
| Assets per employee ($millions) | 5.6208% | 1,725 |
| Cash dividends to net income (ytd only)* | 52.7426% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 4,532 |
| Loan loss allowance to noncurrent loans | 102.3363% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.5603% | 1,286 |
| Noncurrent loans to loans | 0.9899% | 2,403 |
| Net loans and leases to total assets | 73.1540% | 1,859 |
| Net loans and leases to deposits | 81.6729% | 2,586 |
| Net loans and leases to core deposits | 86.8749% | 2,668 |
| Total domestic deposits to total assets | 89.5696% | 805 |
| Equity capital to assets | 8.1743% | 5,755 |
| Core capital (leverage) ratio | 8.3415% | 5,525 |
| Tier 1 risk-based capital ratio | 13.3565% | 4,063 |
| Total risk-based capital ratio | 14.5870% | 4,000 |
| Memoranda: | ||
| Average total assets | $703,529,500 | 1,020 |
| Average earning assets | $655,923,000 | 1,009 |
| Average equity | $57,648,500 | 1,345 |
| Average total loans | $519,875,500 | 938 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 2,645 |
| Cost of funding earning assets | 0.3383% | 3,813 |
| Net interest margin | 3.8353% | 2,258 |
| Noninterest income to average assets | 0.7396% | 2,027 |
| Noninterest expense to average assets | 2.4682% | 4,329 |
| Loan and lease loss provision to assets | 0.0542% | 3,231 |
| Net operating income to assets | 1.1176% | 1,845 |
| Return on assets (ROA) | 1.1257% | 1,883 |
| Pretax return on assets | 1.7807% | 832 |
| Return on Equity (ROE) | 12.7543% | 1,110 |
| Retained earnings to average equity (ytd only) | 0.5480% | 5,299 |
| Net charge-offs to loans | 0.0944% | 2,480 |
| Credit loss provision to net charge-offs | 77.4059% | 2,994 |
| Earnings coverage of net charge-offs (x) | 26.0105% | 1,606 |
| Efficiency ratio | 57.5260% | 5,192 |
| Assets per employee ($millions) | 5.6821% | 1,628 |
| Cash dividends to net income (ytd only)* | 95.7031% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 4,374 |
| Loan loss allowance to noncurrent loans | 135.9929% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.3289% | 1,599 |
| Noncurrent loans to loans | 0.7659% | 2,880 |
| Net loans and leases to total assets | 73.1182% | 1,867 |
| Net loans and leases to deposits | 81.3356% | 2,671 |
| Net loans and leases to core deposits | 86.9965% | 2,697 |
| Total domestic deposits to total assets | 89.8969% | 676 |
| Equity capital to assets | 8.2146% | 5,752 |
| Core capital (leverage) ratio | 8.3216% | 5,587 |
| Tier 1 risk-based capital ratio | 13.6030% | 3,948 |
| Total risk-based capital ratio | 14.8532% | 3,880 |
| Memoranda: | ||
| Average total assets | $682,248,800 | 1,009 |
| Average earning assets | $631,656,400 | 1,006 |
| Average equity | $60,214,800 | 1,257 |
| Average total loans | $506,100,200 | 926 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1807% | 2,644 |
| Cost of funding earning assets | 0.3361% | 3,910 |
| Net interest margin | 3.8446% | 2,216 |
| Noninterest income to average assets | 0.7537% | 2,009 |
| Noninterest expense to average assets | 2.5096% | 4,166 |
| Loan and lease loss provision to assets | 0.0461% | 3,282 |
| Net operating income to assets | 1.1065% | 1,978 |
| Return on assets (ROA) | 1.1173% | 2,008 |
| Pretax return on assets | 1.7679% | 957 |
| Return on Equity (ROE) | 12.4390% | 1,258 |
| Retained earnings to average equity (ytd only) | 0.3146% | 5,517 |
| Net charge-offs to loans | 0.0565% | 2,792 |
| Credit loss provision to net charge-offs | 109.8131% | 2,116 |
| Earnings coverage of net charge-offs (x) | 42.7985% | 1,173 |
| Efficiency ratio | 58.2714% | 5,086 |
| Assets per employee ($millions) | 5.5367% | 1,754 |
| Cash dividends to net income (ytd only)* | 97.4711% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 4,370 |
| Loan loss allowance to noncurrent loans | 107.6438% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 2.1612% | 893 |
| Noncurrent loans to loans | 0.9970% | 2,494 |
| Net loans and leases to total assets | 73.9558% | 1,736 |
| Net loans and leases to deposits | 83.5275% | 2,453 |
| Net loans and leases to core deposits | 89.2760% | 2,529 |
| Total domestic deposits to total assets | 88.5407% | 1,278 |
| Equity capital to assets | 9.0084% | 5,300 |
| Core capital (leverage) ratio | 9.1412% | 4,824 |
| Tier 1 risk-based capital ratio | 14.5301% | 3,549 |
| Total risk-based capital ratio | 15.7807% | 3,469 |
| Memoranda: | ||
| Average total assets | $679,507,000 | 1,020 |
| Average earning assets | $627,981,000 | 1,014 |
| Average equity | $61,032,250 | 1,244 |
| Average total loans | $504,574,750 | 929 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1452% | 2,735 |
| Cost of funding earning assets | 0.3331% | 4,011 |
| Net interest margin | 3.8120% | 2,265 |
| Noninterest income to average assets | 0.7673% | 1,923 |
| Noninterest expense to average assets | 2.4863% | 4,285 |
| Loan and lease loss provision to assets | 0.0515% | 3,085 |
| Net operating income to assets | 1.1085% | 1,916 |
| Return on assets (ROA) | 1.1066% | 2,015 |
| Pretax return on assets | 1.7520% | 976 |
| Return on Equity (ROE) | 12.3328% | 1,274 |
| Retained earnings to average equity (ytd only) | 0.3512% | 5,401 |
| Net charge-offs to loans | 0.0592% | 2,546 |
| Credit loss provision to net charge-offs | 117.4497% | 1,839 |
| Earnings coverage of net charge-offs (x) | 41.1611% | 1,112 |
| Efficiency ratio | 57.9182% | 5,230 |
| Assets per employee ($millions) | 5.3512% | 1,879 |
| Cash dividends to net income (ytd only)* | 97.1520% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 4,440 |
| Loan loss allowance to noncurrent loans | 138.1409% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 2.0181% | 1,088 |
| Noncurrent loans to loans | 0.7817% | 3,153 |
| Net loans and leases to total assets | 74.3025% | 1,611 |
| Net loans and leases to deposits | 83.7104% | 2,346 |
| Net loans and leases to core deposits | 89.5543% | 2,389 |
| Total domestic deposits to total assets | 88.7614% | 1,261 |
| Equity capital to assets | 9.0507% | 5,186 |
| Core capital (leverage) ratio | 9.1211% | 4,791 |
| Tier 1 risk-based capital ratio | 14.6127% | 3,574 |
| Total risk-based capital ratio | 15.8635% | 3,501 |
| Memoranda: | ||
| Average total assets | $679,005,330 | 1,026 |
| Average earning assets | $627,956,670 | 1,021 |
| Average equity | $60,927,000 | 1,251 |
| Average total loans | $503,062,330 | 930 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0850% | 2,896 |
| Cost of funding earning assets | 0.3263% | 4,148 |
| Net interest margin | 3.7587% | 2,401 |
| Noninterest income to average assets | 0.7538% | 1,890 |
| Noninterest expense to average assets | 2.4738% | 4,351 |
| Loan and lease loss provision to assets | 0.0558% | 2,818 |
| Net operating income to assets | 1.0725% | 1,964 |
| Return on assets (ROA) | 1.0672% | 2,100 |
| Pretax return on assets | 1.6919% | 1,071 |
| Return on Equity (ROE) | 11.9452% | 1,365 |
| Retained earnings to average equity (ytd only) | -0.5388% | 5,479 |
| Net charge-offs to loans | 0.0646% | 2,097 |
| Credit loss provision to net charge-offs | 117.2840% | 1,466 |
| Earnings coverage of net charge-offs (x) | 36.9259% | 1,026 |
| Efficiency ratio | 58.4872% | 5,285 |
| Assets per employee ($millions) | 5.5193% | 1,779 |
| Cash dividends to net income (ytd only)* | 104.5105% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 4,597 |
| Loan loss allowance to noncurrent loans | 108.5970% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 2.1348% | 1,080 |
| Noncurrent loans to loans | 0.9986% | 2,762 |
| Net loans and leases to total assets | 72.1428% | 1,786 |
| Net loans and leases to deposits | 81.0697% | 2,441 |
| Net loans and leases to core deposits | 86.6231% | 2,479 |
| Total domestic deposits to total assets | 88.9886% | 1,279 |
| Equity capital to assets | 8.8522% | 5,441 |
| Core capital (leverage) ratio | 9.1903% | 4,734 |
| Tier 1 risk-based capital ratio | 14.5895% | 3,673 |
| Total risk-based capital ratio | 15.8402% | 3,595 |
| Memoranda: | ||
| Average total assets | $681,379,500 | 1,024 |
| Average earning assets | $630,107,500 | 1,015 |
| Average equity | $60,878,000 | 1,256 |
| Average total loans | $501,364,000 | 936 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3591% | 2,373 |
| Cost of funding earning assets | 0.3413% | 4,351 |
| Net interest margin | 4.0178% | 1,846 |
| Noninterest income to average assets | 0.8060% | 1,852 |
| Noninterest expense to average assets | 2.4919% | 4,576 |
| Loan and lease loss provision to assets | 0.1222% | 2,146 |
| Net operating income to assets | 1.1939% | 1,603 |
| Return on assets (ROA) | 1.1906% | 1,683 |
| Pretax return on assets | 1.8891% | 658 |
| Return on Equity (ROE) | 13.2099% | 1,089 |
| Retained earnings to average equity (ytd only) | 1.1510% | 5,260 |
| Net charge-offs to loans | 0.2470% | 1,733 |
| Credit loss provision to net charge-offs | 67.0782% | 3,136 |
| Earnings coverage of net charge-offs (x) | 11.0700% | 2,548 |
| Efficiency ratio | 55.2740% | 5,741 |
| Assets per employee ($millions) | 5.4262% | 1,831 |
| Cash dividends to net income (ytd only)* | 91.2868% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 4,587 |
| Loan loss allowance to noncurrent loans | 102.4854% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 2.2873% | 1,048 |
| Noncurrent loans to loans | 1.0632% | 2,697 |
| Net loans and leases to total assets | 73.4351% | 1,679 |
| Net loans and leases to deposits | 82.4254% | 2,418 |
| Net loans and leases to core deposits | 88.1652% | 2,481 |
| Total domestic deposits to total assets | 89.0929% | 1,184 |
| Equity capital to assets | 9.0189% | 5,263 |
| Core capital (leverage) ratio | 9.0700% | 4,872 |
| Tier 1 risk-based capital ratio | 14.6129% | 3,715 |
| Total risk-based capital ratio | 15.8635% | 3,643 |
| Memoranda: | ||
| Average total assets | $667,032,400 | 1,000 |
| Average earning assets | $614,671,400 | 996 |
| Average equity | $60,121,600 | 1,222 |
| Average total loans | $491,803,800 | 907 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3571% | 2,397 |
| Cost of funding earning assets | 0.3413% | 4,446 |
| Net interest margin | 4.0159% | 1,836 |
| Noninterest income to average assets | 0.8113% | 1,847 |
| Noninterest expense to average assets | 2.5277% | 4,439 |
| Loan and lease loss provision to assets | 0.1232% | 2,025 |
| Net operating income to assets | 1.1737% | 1,777 |
| Return on assets (ROA) | 1.1787% | 1,825 |
| Pretax return on assets | 1.8692% | 767 |
| Return on Equity (ROE) | 13.0793% | 1,205 |
| Retained earnings to average equity (ytd only) | 0.8536% | 5,541 |
| Net charge-offs to loans | 0.1941% | 1,915 |
| Credit loss provision to net charge-offs | 86.2553% | 2,491 |
| Earnings coverage of net charge-offs (x) | 13.8948% | 2,184 |
| Efficiency ratio | 56.0178% | 5,661 |
| Assets per employee ($millions) | 5.4994% | 1,725 |
| Cash dividends to net income (ytd only)* | 93.4738% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 4,466 |
| Loan loss allowance to noncurrent loans | 86.0674% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 2.6291% | 975 |
| Noncurrent loans to loans | 1.3444% | 2,395 |
| Net loans and leases to total assets | 72.5550% | 1,754 |
| Net loans and leases to deposits | 81.6404% | 2,471 |
| Net loans and leases to core deposits | 87.3559% | 2,498 |
| Total domestic deposits to total assets | 88.8714% | 1,318 |
| Equity capital to assets | 8.9064% | 5,454 |
| Core capital (leverage) ratio | 9.2109% | 4,766 |
| Tier 1 risk-based capital ratio | 14.5866% | 3,823 |
| Total risk-based capital ratio | 15.8383% | 3,767 |
| Memoranda: | ||
| Average total assets | $665,579,500 | 1,015 |
| Average earning assets | $613,383,000 | 1,006 |
| Average equity | $59,981,250 | 1,225 |
| Average total loans | $489,868,000 | 916 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3590% | 2,339 |
| Cost of funding earning assets | 0.3415% | 4,521 |
| Net interest margin | 4.0175% | 1,766 |
| Noninterest income to average assets | 0.8263% | 1,748 |
| Noninterest expense to average assets | 2.5424% | 4,448 |
| Loan and lease loss provision to assets | 0.1299% | 1,901 |
| Net operating income to assets | 1.1691% | 1,691 |
| Return on assets (ROA) | 1.1683% | 1,758 |
| Pretax return on assets | 1.8530% | 754 |
| Return on Equity (ROE) | 12.9130% | 1,198 |
| Retained earnings to average equity (ytd only) | 0.3907% | 5,581 |
| Net charge-offs to loans | 0.2190% | 1,721 |
| Credit loss provision to net charge-offs | 80.5243% | 2,325 |
| Earnings coverage of net charge-offs (x) | 12.2978% | 2,073 |
| Efficiency ratio | 56.1674% | 5,731 |
| Assets per employee ($millions) | 5.4685% | 1,724 |
| Cash dividends to net income (ytd only)* | 96.9744% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 4,528 |
| Loan loss allowance to noncurrent loans | 85.3383% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 2.5956% | 1,055 |
| Noncurrent loans to loans | 1.3792% | 2,500 |
| Net loans and leases to total assets | 72.2252% | 1,699 |
| Net loans and leases to deposits | 81.3711% | 2,337 |
| Net loans and leases to core deposits | 87.2494% | 2,390 |
| Total domestic deposits to total assets | 88.7603% | 1,501 |
| Equity capital to assets | 9.0392% | 5,259 |
| Core capital (leverage) ratio | 9.3402% | 4,540 |
| Tier 1 risk-based capital ratio | 14.7532% | 3,777 |
| Total risk-based capital ratio | 16.0052% | 3,725 |
| Memoranda: | ||
| Average total assets | $661,965,670 | 1,021 |
| Average earning assets | $609,678,670 | 1,020 |
| Average equity | $59,893,330 | 1,218 |
| Average total loans | $487,650,000 | 916 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3825% | 2,207 |
| Cost of funding earning assets | 0.3442% | 4,600 |
| Net interest margin | 4.0383% | 1,634 |
| Noninterest income to average assets | 0.7783% | 1,845 |
| Noninterest expense to average assets | 2.5352% | 4,502 |
| Loan and lease loss provision to assets | 0.1456% | 1,675 |
| Net operating income to assets | 1.1438% | 1,651 |
| Return on assets (ROA) | 1.1466% | 1,709 |
| Pretax return on assets | 1.8175% | 780 |
| Return on Equity (ROE) | 12.6661% | 1,244 |
| Retained earnings to average equity (ytd only) | -0.7372% | 5,686 |
| Net charge-offs to loans | 0.1042% | 2,135 |
| Credit loss provision to net charge-offs | 188.9764% | 1,088 |
| Earnings coverage of net charge-offs (x) | 25.4252% | 1,156 |
| Efficiency ratio | 56.4120% | 5,806 |
| Assets per employee ($millions) | 5.5697% | 1,640 |
| Cash dividends to net income (ytd only)* | 105.8201% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 4,558 |
| Loan loss allowance to noncurrent loans | 63.8576% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 2.8634% | 1,023 |
| Noncurrent loans to loans | 1.9074% | 1,982 |
| Net loans and leases to total assets | 73.4952% | 1,351 |
| Net loans and leases to deposits | 82.6281% | 1,986 |
| Net loans and leases to core deposits | 88.5573% | 2,038 |
| Total domestic deposits to total assets | 88.9470% | 1,696 |
| Equity capital to assets | 9.0838% | 5,018 |
| Core capital (leverage) ratio | 9.3730% | 4,474 |
| Tier 1 risk-based capital ratio | 14.7091% | 3,882 |
| Total risk-based capital ratio | 15.9617% | 3,834 |
| Memoranda: | ||
| Average total assets | $659,367,000 | 1,033 |
| Average earning assets | $606,688,500 | 1,035 |
| Average equity | $59,687,000 | 1,224 |
| Average total loans | $487,675,500 | 914 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5388% | 2,065 |
| Cost of funding earning assets | 0.4001% | 4,655 |
| Net interest margin | 4.1387% | 1,545 |
| Noninterest income to average assets | 0.6534% | 2,792 |
| Noninterest expense to average assets | 2.4745% | 4,847 |
| Loan and lease loss provision to assets | 0.1471% | 2,449 |
| Net operating income to assets | 1.1821% | 1,639 |
| Return on assets (ROA) | 1.1989% | 1,638 |
| Pretax return on assets | 1.8684% | 650 |
| Return on Equity (ROE) | 13.1403% | 1,140 |
| Retained earnings to average equity (ytd only) | 1.0087% | 5,391 |
| Net charge-offs to loans | 0.2170% | 2,723 |
| Credit loss provision to net charge-offs | 92.7342% | 2,685 |
| Earnings coverage of net charge-offs (x) | 12.5411% | 2,118 |
| Efficiency ratio | 55.4370% | 6,002 |
| Assets per employee ($millions) | 5.5589% | 1,600 |
| Cash dividends to net income (ytd only)* | 92.3233% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 4,652 |
| Loan loss allowance to noncurrent loans | 96.1969% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 2.3865% | 1,452 |
| Noncurrent loans to loans | 1.2489% | 3,044 |
| Net loans and leases to total assets | 72.6405% | 1,571 |
| Net loans and leases to deposits | 81.3712% | 2,268 |
| Net loans and leases to core deposits | 87.1859% | 2,327 |
| Total domestic deposits to total assets | 89.2705% | 1,448 |
| Equity capital to assets | 9.0207% | 5,013 |
| Core capital (leverage) ratio | 9.3617% | 4,454 |
| Tier 1 risk-based capital ratio | 14.6971% | 3,843 |
| Total risk-based capital ratio | 15.9492% | 3,782 |
| Memoranda: | ||
| Average total assets | $659,497,600 | 1,013 |
| Average earning assets | $607,146,800 | 1,011 |
| Average equity | $60,173,600 | 1,193 |
| Average total loans | $482,081,200 | 884 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5651% | 1,992 |
| Cost of funding earning assets | 0.4126% | 4,702 |
| Net interest margin | 4.1525% | 1,473 |
| Noninterest income to average assets | 0.6430% | 2,914 |
| Noninterest expense to average assets | 2.4823% | 4,780 |
| Loan and lease loss provision to assets | 0.1416% | 2,519 |
| Net operating income to assets | 1.1710% | 1,736 |
| Return on assets (ROA) | 1.1935% | 1,734 |
| Pretax return on assets | 1.8784% | 744 |
| Return on Equity (ROE) | 13.0436% | 1,223 |
| Retained earnings to average equity (ytd only) | 1.3245% | 5,452 |
| Net charge-offs to loans | 0.2101% | 2,569 |
| Credit loss provision to net charge-offs | 92.3483% | 2,574 |
| Earnings coverage of net charge-offs (x) | 12.9420% | 2,080 |
| Efficiency ratio | 55.5686% | 5,964 |
| Assets per employee ($millions) | 5.4949% | 1,623 |
| Cash dividends to net income (ytd only)* | 89.8457% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 4,826 |
| Loan loss allowance to noncurrent loans | 103.4233% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 2.3918% | 1,630 |
| Noncurrent loans to loans | 1.1685% | 3,485 |
| Net loans and leases to total assets | 73.2700% | 1,404 |
| Net loans and leases to deposits | 82.5938% | 2,058 |
| Net loans and leases to core deposits | 88.7305% | 2,110 |
| Total domestic deposits to total assets | 88.7113% | 1,719 |
| Equity capital to assets | 9.1442% | 5,003 |
| Core capital (leverage) ratio | 9.3521% | 4,610 |
| Tier 1 risk-based capital ratio | 14.8202% | 3,865 |
| Total risk-based capital ratio | 16.0725% | 3,819 |
| Memoranda: | ||
| Average total assets | $658,994,500 | 1,017 |
| Average earning assets | $606,880,000 | 1,018 |
| Average equity | $60,298,750 | 1,203 |
| Average total loans | $481,009,750 | 885 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 2,094 |
| Cost of funding earning assets | 0.4254% | 4,704 |
| Net interest margin | 4.1027% | 1,535 |
| Noninterest income to average assets | 0.6057% | 3,153 |
| Noninterest expense to average assets | 2.4535% | 4,887 |
| Loan and lease loss provision to assets | 0.1362% | 2,621 |
| Net operating income to assets | 1.1435% | 1,771 |
| Return on assets (ROA) | 1.1745% | 1,769 |
| Pretax return on assets | 1.8396% | 842 |
| Return on Equity (ROE) | 12.8334% | 1,278 |
| Retained earnings to average equity (ytd only) | 1.9184% | 5,046 |
| Net charge-offs to loans | 0.2368% | 2,299 |
| Credit loss provision to net charge-offs | 79.2254% | 2,642 |
| Earnings coverage of net charge-offs (x) | 11.2095% | 2,073 |
| Efficiency ratio | 56.0047% | 5,964 |
| Assets per employee ($millions) | 5.9163% | 1,266 |
| Cash dividends to net income (ytd only)* | 85.0515% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 5,031 |
| Loan loss allowance to noncurrent loans | 98.4722% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 2.7409% | 1,512 |
| Noncurrent loans to loans | 1.2127% | 3,528 |
| Net loans and leases to total assets | 72.4332% | 1,500 |
| Net loans and leases to deposits | 82.0708% | 2,051 |
| Net loans and leases to core deposits | 88.2707% | 2,077 |
| Total domestic deposits to total assets | 88.2570% | 2,069 |
| Equity capital to assets | 9.0477% | 5,171 |
| Core capital (leverage) ratio | 9.2683% | 4,596 |
| Tier 1 risk-based capital ratio | 14.6197% | 4,021 |
| Total risk-based capital ratio | 15.8717% | 3,981 |
| Memoranda: | ||
| Average total assets | $660,693,000 | 1,014 |
| Average earning assets | $607,936,670 | 1,015 |
| Average equity | $60,467,000 | 1,204 |
| Average total loans | $479,688,670 | 878 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5181% | 2,103 |
| Cost of funding earning assets | 0.4363% | 4,739 |
| Net interest margin | 4.0818% | 1,514 |
| Noninterest income to average assets | 0.6700% | 2,757 |
| Noninterest expense to average assets | 2.4586% | 4,917 |
| Loan and lease loss provision to assets | 0.1637% | 2,228 |
| Net operating income to assets | 1.1103% | 1,816 |
| Return on assets (ROA) | 1.1374% | 1,837 |
| Pretax return on assets | 1.8456% | 813 |
| Return on Equity (ROE) | 12.3576% | 1,328 |
| Retained earnings to average equity (ytd only) | 2.4768% | 4,787 |
| Net charge-offs to loans | 0.3155% | 1,705 |
| Credit loss provision to net charge-offs | 71.8085% | 2,266 |
| Earnings coverage of net charge-offs (x) | 8.6277% | 1,928 |
| Efficiency ratio | 55.5556% | 6,101 |
| Assets per employee ($millions) | 5.5389% | 1,634 |
| Cash dividends to net income (ytd only)* | 79.9574% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 5,138 |
| Loan loss allowance to noncurrent loans | 64.1753% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 3.3478% | 1,298 |
| Noncurrent loans to loans | 1.8851% | 2,753 |
| Net loans and leases to total assets | 72.0178% | 1,345 |
| Net loans and leases to deposits | 81.0526% | 1,947 |
| Net loans and leases to core deposits | 87.4605% | 1,963 |
| Total domestic deposits to total assets | 88.8532% | 1,762 |
| Equity capital to assets | 9.2630% | 5,185 |
| Core capital (leverage) ratio | 9.3976% | 4,244 |
| Tier 1 risk-based capital ratio | 14.6251% | 4,086 |
| Total risk-based capital ratio | 15.8773% | 4,047 |
| Memoranda: | ||
| Average total assets | $659,724,000 | 1,026 |
| Average earning assets | $606,984,500 | 1,027 |
| Average equity | $60,724,000 | 1,210 |
| Average total loans | $476,650,000 | 888 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8083% | 2,160 |
| Cost of funding earning assets | 0.5558% | 4,763 |
| Net interest margin | 4.2525% | 1,514 |
| Noninterest income to average assets | 0.6017% | 3,269 |
| Noninterest expense to average assets | 2.6905% | 4,428 |
| Loan and lease loss provision to assets | 0.2060% | 3,078 |
| Net operating income to assets | 0.9940% | 2,365 |
| Return on assets (ROA) | 1.0169% | 2,484 |
| Pretax return on assets | 1.6107% | 1,353 |
| Return on Equity (ROE) | 10.9894% | 1,808 |
| Retained earnings to average equity (ytd only) | 2.8953% | 4,197 |
| Net charge-offs to loans | 0.3182% | 3,052 |
| Credit loss provision to net charge-offs | 88.9488% | 3,517 |
| Earnings coverage of net charge-offs (x) | 7.6900% | 2,551 |
| Efficiency ratio | 60.1731% | 5,511 |
| Assets per employee ($millions) | 5.2406% | 1,955 |
| Cash dividends to net income (ytd only)* | 73.6535% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 4,861 |
| Loan loss allowance to noncurrent loans | 65.7886% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 3.1682% | 1,472 |
| Noncurrent loans to loans | 1.9029% | 2,801 |
| Net loans and leases to total assets | 70.7049% | 1,704 |
| Net loans and leases to deposits | 79.8796% | 2,300 |
| Net loans and leases to core deposits | 86.4578% | 2,250 |
| Total domestic deposits to total assets | 88.5143% | 1,894 |
| Equity capital to assets | 9.1460% | 5,343 |
| Core capital (leverage) ratio | 9.4098% | 4,243 |
| Tier 1 risk-based capital ratio | 14.7151% | 3,884 |
| Total risk-based capital ratio | 15.9677% | 3,839 |
| Memoranda: | ||
| Average total assets | $640,853,600 | 1,029 |
| Average earning assets | $583,133,400 | 1,040 |
| Average equity | $59,302,600 | 1,199 |
| Average total loans | $466,368,400 | 881 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 2,064 |
| Cost of funding earning assets | 0.5821% | 4,823 |
| Net interest margin | 4.3033% | 1,449 |
| Noninterest income to average assets | 0.6889% | 2,764 |
| Noninterest expense to average assets | 2.7170% | 4,301 |
| Loan and lease loss provision to assets | 0.2243% | 2,813 |
| Net operating income to assets | 1.0404% | 2,317 |
| Return on assets (ROA) | 1.0407% | 2,533 |
| Pretax return on assets | 1.6518% | 1,404 |
| Return on Equity (ROE) | 11.2121% | 1,886 |
| Retained earnings to average equity (ytd only) | 3.7584% | 4,247 |
| Net charge-offs to loans | 0.3050% | 2,911 |
| Credit loss provision to net charge-offs | 100.6585% | 2,939 |
| Earnings coverage of net charge-offs (x) | 8.4167% | 2,447 |
| Efficiency ratio | 59.1592% | 5,635 |
| Assets per employee ($millions) | 5.1211% | 2,027 |
| Cash dividends to net income (ytd only)* | 66.4787% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 4,785 |
| Loan loss allowance to noncurrent loans | 75.8217% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 3.3602% | 1,505 |
| Noncurrent loans to loans | 1.7228% | 3,207 |
| Net loans and leases to total assets | 71.8819% | 1,571 |
| Net loans and leases to deposits | 80.9317% | 2,258 |
| Net loans and leases to core deposits | 88.2124% | 2,196 |
| Total domestic deposits to total assets | 88.8179% | 1,525 |
| Equity capital to assets | 9.4704% | 5,244 |
| Core capital (leverage) ratio | 9.5384% | 4,210 |
| Tier 1 risk-based capital ratio | 14.9265% | 3,901 |
| Total risk-based capital ratio | 16.1798% | 3,856 |
| Memoranda: | ||
| Average total assets | $635,987,250 | 1,044 |
| Average earning assets | $576,939,750 | 1,052 |
| Average equity | $59,030,000 | 1,206 |
| Average total loans | $464,761,250 | 884 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9481% | 1,931 |
| Cost of funding earning assets | 0.6114% | 4,798 |
| Net interest margin | 4.3367% | 1,375 |
| Noninterest income to average assets | 0.6855% | 2,747 |
| Noninterest expense to average assets | 2.6773% | 4,508 |
| Loan and lease loss provision to assets | 0.2316% | 2,760 |
| Net operating income to assets | 1.0667% | 2,176 |
| Return on assets (ROA) | 1.0671% | 2,404 |
| Pretax return on assets | 1.6962% | 1,268 |
| Return on Equity (ROE) | 11.5763% | 1,805 |
| Retained earnings to average equity (ytd only) | 0.2940% | 5,948 |
| Net charge-offs to loans | 0.3330% | 2,693 |
| Credit loss provision to net charge-offs | 95.0841% | 2,902 |
| Earnings coverage of net charge-offs (x) | 7.9107% | 2,394 |
| Efficiency ratio | 58.1451% | 5,848 |
| Assets per employee ($millions) | 5.0268% | 2,147 |
| Cash dividends to net income (ytd only)* | 97.4601% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 4,901 |
| Loan loss allowance to noncurrent loans | 75.6476% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 3.3593% | 1,601 |
| Noncurrent loans to loans | 1.7160% | 3,319 |
| Net loans and leases to total assets | 72.5695% | 1,462 |
| Net loans and leases to deposits | 81.8712% | 2,127 |
| Net loans and leases to core deposits | 89.5868% | 2,023 |
| Total domestic deposits to total assets | 88.6386% | 1,743 |
| Equity capital to assets | 9.2693% | 5,362 |
| Core capital (leverage) ratio | 9.3291% | 4,414 |
| Tier 1 risk-based capital ratio | 14.7746% | 3,914 |
| Total risk-based capital ratio | 16.0281% | 3,879 |
| Memoranda: | ||
| Average total assets | $634,605,670 | 1,046 |
| Average earning assets | $573,472,330 | 1,053 |
| Average equity | $58,499,000 | 1,211 |
| Average total loans | $464,272,000 | 884 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0100% | 1,852 |
| Cost of funding earning assets | 0.6457% | 4,767 |
| Net interest margin | 4.3643% | 1,300 |
| Noninterest income to average assets | 0.8539% | 1,933 |
| Noninterest expense to average assets | 2.7632% | 4,190 |
| Loan and lease loss provision to assets | 0.2519% | 2,435 |
| Net operating income to assets | 1.1089% | 2,046 |
| Return on assets (ROA) | 1.1089% | 2,230 |
| Pretax return on assets | 1.7884% | 1,099 |
| Return on Equity (ROE) | 12.0630% | 1,667 |
| Retained earnings to average equity (ytd only) | 1.1029% | 5,643 |
| Net charge-offs to loans | 0.3167% | 2,378 |
| Credit loss provision to net charge-offs | 108.9918% | 2,145 |
| Earnings coverage of net charge-offs (x) | 8.8283% | 1,917 |
| Efficiency ratio | 57.5249% | 5,972 |
| Assets per employee ($millions) | 5.1184% | 2,102 |
| Cash dividends to net income (ytd only)* | 90.8575% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 4,894 |
| Loan loss allowance to noncurrent loans | 73.5538% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 3.6128% | 1,573 |
| Noncurrent loans to loans | 1.8055% | 3,403 |
| Net loans and leases to total assets | 71.0245% | 1,568 |
| Net loans and leases to deposits | 79.6363% | 2,256 |
| Net loans and leases to core deposits | 87.0431% | 2,174 |
| Total domestic deposits to total assets | 89.1861% | 1,572 |
| Equity capital to assets | 9.1250% | 5,326 |
| Core capital (leverage) ratio | 9.3674% | 4,245 |
| Tier 1 risk-based capital ratio | 14.5841% | 4,034 |
| Total risk-based capital ratio | 15.8377% | 3,992 |
| Memoranda: | ||
| Average total assets | $635,217,000 | 1,043 |
| Average earning assets | $574,847,000 | 1,054 |
| Average equity | $58,393,500 | 1,218 |
| Average total loans | $463,564,000 | 886 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2352% | 1,931 |
| Cost of funding earning assets | 0.8585% | 4,407 |
| Net interest margin | 4.3766% | 1,456 |
| Noninterest income to average assets | 0.7483% | 2,344 |
| Noninterest expense to average assets | 2.8262% | 4,253 |
| Loan and lease loss provision to assets | 0.1586% | 4,643 |
| Net operating income to assets | 1.1009% | 1,831 |
| Return on assets (ROA) | 1.1376% | 1,820 |
| Pretax return on assets | 1.7913% | 814 |
| Return on Equity (ROE) | 12.2892% | 1,336 |
| Retained earnings to average equity (ytd only) | 3.3328% | 3,851 |
| Net charge-offs to loans | 0.3860% | 3,482 |
| Credit loss provision to net charge-offs | 54.0761% | 5,317 |
| Earnings coverage of net charge-offs (x) | 6.4511% | 2,514 |
| Efficiency ratio | 59.8932% | 5,777 |
| Assets per employee ($millions) | 4.8510% | 2,381 |
| Cash dividends to net income (ytd only)* | 72.8802% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 4,884 |
| Loan loss allowance to noncurrent loans | 73.2539% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 3.7835% | 1,529 |
| Noncurrent loans to loans | 1.7797% | 3,493 |
| Net loans and leases to total assets | 73.0240% | 1,449 |
| Net loans and leases to deposits | 81.8599% | 2,218 |
| Net loans and leases to core deposits | 89.6480% | 2,176 |
| Total domestic deposits to total assets | 89.2062% | 1,418 |
| Equity capital to assets | 9.2614% | 5,197 |
| Core capital (leverage) ratio | 9.4331% | 4,139 |
| Tier 1 risk-based capital ratio | 14.0346% | 4,303 |
| Total risk-based capital ratio | 15.2874% | 4,254 |
| Memoranda: | ||
| Average total assets | $627,193,400 | 1,038 |
| Average earning assets | $568,999,800 | 1,040 |
| Average equity | $58,059,200 | 1,171 |
| Average total loans | $476,729,200 | 875 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2600% | 1,992 |
| Cost of funding earning assets | 0.8999% | 4,396 |
| Net interest margin | 4.3600% | 1,530 |
| Noninterest income to average assets | 0.7497% | 2,316 |
| Noninterest expense to average assets | 2.8153% | 4,283 |
| Loan and lease loss provision to assets | 0.1160% | 4,983 |
| Net operating income to assets | 1.1256% | 1,892 |
| Return on assets (ROA) | 1.1710% | 1,859 |
| Pretax return on assets | 1.8488% | 861 |
| Return on Equity (ROE) | 12.6516% | 1,371 |
| Retained earnings to average equity (ytd only) | 4.8320% | 3,295 |
| Net charge-offs to loans | 0.2696% | 3,752 |
| Credit loss provision to net charge-offs | 56.2436% | 4,890 |
| Earnings coverage of net charge-offs (x) | 9.1816% | 2,084 |
| Efficiency ratio | 59.7821% | 5,761 |
| Assets per employee ($millions) | 5.0113% | 2,178 |
| Cash dividends to net income (ytd only)* | 61.8070% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 4,679 |
| Loan loss allowance to noncurrent loans | 45.8998% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 4.2723% | 1,428 |
| Noncurrent loans to loans | 2.9875% | 2,316 |
| Net loans and leases to total assets | 75.2809% | 1,101 |
| Net loans and leases to deposits | 84.8235% | 1,874 |
| Net loans and leases to core deposits | 93.1598% | 1,865 |
| Total domestic deposits to total assets | 88.7500% | 1,584 |
| Equity capital to assets | 9.4465% | 5,169 |
| Core capital (leverage) ratio | 9.4856% | 4,173 |
| Tier 1 risk-based capital ratio | 14.1665% | 4,224 |
| Total risk-based capital ratio | 15.4206% | 4,189 |
| Memoranda: | ||
| Average total assets | $626,334,750 | 1,045 |
| Average earning assets | $568,786,750 | 1,050 |
| Average equity | $57,972,750 | 1,173 |
| Average total loans | $479,263,250 | 888 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2766% | 1,968 |
| Cost of funding earning assets | 0.9373% | 4,410 |
| Net interest margin | 4.3393% | 1,538 |
| Noninterest income to average assets | 0.7398% | 2,325 |
| Noninterest expense to average assets | 2.7632% | 4,574 |
| Loan and lease loss provision to assets | 0.1019% | 5,035 |
| Net operating income to assets | 1.1473% | 1,732 |
| Return on assets (ROA) | 1.1510% | 1,796 |
| Pretax return on assets | 1.8246% | 836 |
| Return on Equity (ROE) | 12.5204% | 1,334 |
| Retained earnings to average equity (ytd only) | 7.3237% | 1,730 |
| Net charge-offs to loans | 0.2770% | 3,506 |
| Credit loss provision to net charge-offs | 48.0480% | 4,631 |
| Earnings coverage of net charge-offs (x) | 9.0556% | 1,972 |
| Efficiency ratio | 58.9923% | 6,028 |
| Assets per employee ($millions) | 4.7753% | 2,443 |
| Cash dividends to net income (ytd only)* | 41.5053% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 4,738 |
| Loan loss allowance to noncurrent loans | 67.8277% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 3.3851% | 1,951 |
| Noncurrent loans to loans | 2.0178% | 3,459 |
| Net loans and leases to total assets | 75.8261% | 1,096 |
| Net loans and leases to deposits | 85.3600% | 1,885 |
| Net loans and leases to core deposits | 94.1534% | 1,880 |
| Total domestic deposits to total assets | 88.8310% | 1,650 |
| Equity capital to assets | 9.3980% | 4,977 |
| Core capital (leverage) ratio | 9.3606% | 4,160 |
| Tier 1 risk-based capital ratio | 12.7343% | 5,149 |
| Total risk-based capital ratio | 13.9866% | 5,119 |
| Memoranda: | ||
| Average total assets | $627,978,000 | 1,050 |
| Average earning assets | $570,788,000 | 1,053 |
| Average equity | $57,730,000 | 1,162 |
| Average total loans | $480,916,670 | 901 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2597% | 2,008 |
| Cost of funding earning assets | 0.9885% | 4,282 |
| Net interest margin | 4.2711% | 1,664 |
| Noninterest income to average assets | 0.7101% | 2,521 |
| Noninterest expense to average assets | 2.7839% | 4,515 |
| Loan and lease loss provision to assets | 0.1589% | 4,041 |
| Net operating income to assets | 1.0433% | 2,025 |
| Return on assets (ROA) | 1.0433% | 2,081 |
| Pretax return on assets | 1.6568% | 1,068 |
| Return on Equity (ROE) | 11.4756% | 1,606 |
| Retained earnings to average equity (ytd only) | 11.4756% | 815 |
| Net charge-offs to loans | 0.2728% | 2,980 |
| Credit loss provision to net charge-offs | 76.2195% | 3,229 |
| Earnings coverage of net charge-offs (x) | 8.7073% | 1,797 |
| Efficiency ratio | 60.5252% | 5,902 |
| Assets per employee ($millions) | 4.8094% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 4,521 |
| Loan loss allowance to noncurrent loans | 60.9214% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 3.7762% | 1,788 |
| Noncurrent loans to loans | 2.3471% | 3,143 |
| Net loans and leases to total assets | 75.5249% | 1,104 |
| Net loans and leases to deposits | 84.9214% | 1,893 |
| Net loans and leases to core deposits | 93.8044% | 1,908 |
| Total domestic deposits to total assets | 88.9350% | 1,810 |
| Equity capital to assets | 9.2816% | 4,762 |
| Core capital (leverage) ratio | 9.3612% | 4,032 |
| Tier 1 risk-based capital ratio | 12.4252% | 5,335 |
| Total risk-based capital ratio | 13.6779% | 5,311 |
| Memoranda: | ||
| Average total assets | $629,183,000 | 1,058 |
| Average earning assets | $572,963,500 | 1,060 |
| Average equity | $57,199,500 | 1,160 |
| Average total loans | $480,912,000 | 910 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4980% | 2,292 |
| Cost of funding earning assets | 1.2992% | 3,883 |
| Net interest margin | 4.1988% | 2,192 |
| Noninterest income to average assets | 0.7637% | 2,465 |
| Noninterest expense to average assets | 2.8795% | 4,312 |
| Loan and lease loss provision to assets | 0.3076% | 4,342 |
| Net operating income to assets | 0.8858% | 2,446 |
| Return on assets (ROA) | 0.8909% | 2,558 |
| Pretax return on assets | 1.4038% | 1,657 |
| Return on Equity (ROE) | 10.5674% | 1,732 |
| Retained earnings to average equity (ytd only) | 10.5674% | 430 |
| Net charge-offs to loans | 0.5757% | 3,321 |
| Credit loss provision to net charge-offs | 68.6165% | 5,904 |
| Earnings coverage of net charge-offs (x) | 3.7993% | 3,182 |
| Efficiency ratio | 62.8311% | 5,549 |
| Assets per employee ($millions) | 4.5880% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 4,350 |
| Loan loss allowance to noncurrent loans | 61.4784% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 3.4863% | 1,994 |
| Noncurrent loans to loans | 2.3342% | 3,187 |
| Net loans and leases to total assets | 75.1564% | 1,440 |
| Net loans and leases to deposits | 83.9288% | 2,461 |
| Net loans and leases to core deposits | 92.4973% | 2,439 |
| Total domestic deposits to total assets | 89.5478% | 1,360 |
| Equity capital to assets | 8.9029% | 5,277 |
| Core capital (leverage) ratio | 8.9674% | 4,598 |
| Tier 1 risk-based capital ratio | 11.7662% | 5,678 |
| Total risk-based capital ratio | 13.0187% | 5,674 |
| Memoranda: | ||
| Average total assets | $636,777,000 | 1,053 |
| Average earning assets | $579,210,200 | 1,040 |
| Average equity | $53,684,200 | 1,244 |
| Average total loans | $495,900,400 | 903 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5193% | 2,360 |
| Cost of funding earning assets | 1.3428% | 3,954 |
| Net interest margin | 4.1765% | 2,311 |
| Noninterest income to average assets | 0.7347% | 2,611 |
| Noninterest expense to average assets | 2.8218% | 4,393 |
| Loan and lease loss provision to assets | 0.3051% | 4,136 |
| Net operating income to assets | 0.8929% | 2,639 |
| Return on assets (ROA) | 0.8949% | 2,784 |
| Pretax return on assets | 1.4076% | 1,860 |
| Return on Equity (ROE) | 10.7643% | 1,859 |
| Retained earnings to average equity (ytd only) | 10.7643% | 638 |
| Net charge-offs to loans | 0.6563% | 2,792 |
| Credit loss provision to net charge-offs | 59.3814% | 5,707 |
| Earnings coverage of net charge-offs (x) | 3.3276% | 3,490 |
| Efficiency ratio | 62.2739% | 5,569 |
| Assets per employee ($millions) | 4.6773% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 4,446 |
| Loan loss allowance to noncurrent loans | 67.1322% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 3.3452% | 2,129 |
| Noncurrent loans to loans | 2.0876% | 3,581 |
| Net loans and leases to total assets | 75.4967% | 1,494 |
| Net loans and leases to deposits | 85.8287% | 2,383 |
| Net loans and leases to core deposits | 94.7075% | 2,419 |
| Total domestic deposits to total assets | 87.9621% | 1,984 |
| Equity capital to assets | 8.6937% | 6,027 |
| Core capital (leverage) ratio | 8.6898% | 5,205 |
| Tier 1 risk-based capital ratio | 11.6797% | 5,748 |
| Total risk-based capital ratio | 12.9323% | 5,721 |
| Memoranda: | ||
| Average total assets | $637,686,250 | 1,055 |
| Average earning assets | $579,673,500 | 1,047 |
| Average equity | $53,013,250 | 1,267 |
| Average total loans | $499,182,250 | 901 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5071% | 2,483 |
| Cost of funding earning assets | 1.3700% | 4,059 |
| Net interest margin | 4.1371% | 2,394 |
| Noninterest income to average assets | 0.7189% | 2,584 |
| Noninterest expense to average assets | 2.7875% | 4,548 |
| Loan and lease loss provision to assets | 0.2692% | 4,237 |
| Net operating income to assets | 0.9087% | 2,523 |
| Return on assets (ROA) | 0.9113% | 2,618 |
| Pretax return on assets | 1.4309% | 1,747 |
| Return on Equity (ROE) | 11.1310% | 1,705 |
| Retained earnings to average equity (ytd only) | 11.1310% | 627 |
| Net charge-offs to loans | 0.6892% | 2,494 |
| Credit loss provision to net charge-offs | 49.5386% | 5,429 |
| Earnings coverage of net charge-offs (x) | 3.1211% | 3,442 |
| Efficiency ratio | 62.1724% | 5,659 |
| Assets per employee ($millions) | 4.5736% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 4,396 |
| Loan loss allowance to noncurrent loans | 49.1791% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 3.6408% | 1,925 |
| Noncurrent loans to loans | 2.8574% | 2,802 |
| Net loans and leases to total assets | 75.6039% | 1,569 |
| Net loans and leases to deposits | 85.5669% | 2,582 |
| Net loans and leases to core deposits | 95.2092% | 2,555 |
| Total domestic deposits to total assets | 88.3565% | 1,804 |
| Equity capital to assets | 8.3376% | 6,375 |
| Core capital (leverage) ratio | 8.3931% | 5,589 |
| Tier 1 risk-based capital ratio | 11.2337% | 6,014 |
| Total risk-based capital ratio | 12.4865% | 5,990 |
| Memoranda: | ||
| Average total assets | $638,212,670 | 1,061 |
| Average earning assets | $580,743,000 | 1,056 |
| Average equity | $52,250,670 | 1,274 |
| Average total loans | $503,221,000 | 903 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5112% | 2,532 |
| Cost of funding earning assets | 1.3849% | 4,275 |
| Net interest margin | 4.1263% | 2,333 |
| Noninterest income to average assets | 0.7075% | 2,546 |
| Noninterest expense to average assets | 2.8566% | 4,243 |
| Loan and lease loss provision to assets | 0.2892% | 3,708 |
| Net operating income to assets | 0.8476% | 2,758 |
| Return on assets (ROA) | 0.8524% | 2,835 |
| Pretax return on assets | 1.3275% | 1,975 |
| Return on Equity (ROE) | 10.5104% | 1,944 |
| Retained earnings to average equity (ytd only) | 10.5104% | 1,037 |
| Net charge-offs to loans | 1.1119% | 1,514 |
| Credit loss provision to net charge-offs | 32.5301% | 4,777 |
| Earnings coverage of net charge-offs (x) | 1.8101% | 3,652 |
| Efficiency ratio | 63.9673% | 5,498 |
| Assets per employee ($millions) | 4.4598% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 4,638 |
| Loan loss allowance to noncurrent loans | 36.3406% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 3.8443% | 1,800 |
| Noncurrent loans to loans | 3.7362% | 2,132 |
| Net loans and leases to total assets | 78.2826% | 1,096 |
| Net loans and leases to deposits | 88.3823% | 2,165 |
| Net loans and leases to core deposits | 96.8769% | 2,477 |
| Total domestic deposits to total assets | 88.5728% | 1,748 |
| Equity capital to assets | 8.1749% | 6,464 |
| Core capital (leverage) ratio | 8.2885% | 5,764 |
| Tier 1 risk-based capital ratio | 10.6901% | 6,454 |
| Total risk-based capital ratio | 11.9423% | 6,439 |
| Memoranda: | ||
| Average total assets | $634,878,000 | 1,089 |
| Average earning assets | $578,243,000 | 1,084 |
| Average equity | $51,492,000 | 1,300 |
| Average total loans | $507,579,000 | 922 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9313% | 2,124 |
| Cost of funding earning assets | 1.8949% | 3,486 |
| Net interest margin | 4.0364% | 2,713 |
| Noninterest income to average assets | 0.7465% | 2,702 |
| Noninterest expense to average assets | 2.7142% | 5,324 |
| Loan and lease loss provision to assets | 0.6774% | 3,111 |
| Net operating income to assets | 0.6749% | 3,035 |
| Return on assets (ROA) | 0.7059% | 2,975 |
| Pretax return on assets | 1.1140% | 2,207 |
| Return on Equity (ROE) | 9.1887% | 1,964 |
| Retained earnings to average equity (ytd only) | 4.0895% | 2,353 |
| Net charge-offs to loans | 0.2854% | 4,846 |
| Credit loss provision to net charge-offs | 295.8932% | 1,128 |
| Earnings coverage of net charge-offs (x) | 7.6133% | 2,116 |
| Efficiency ratio | 60.8951% | 6,349 |
| Assets per employee ($millions) | 4.5143% | 2,899 |
| Cash dividends to net income (ytd only)* | 55.4939% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5370% | 3,541 |
| Loan loss allowance to noncurrent loans | 39.3067% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 4.1775% | 1,560 |
| Noncurrent loans to loans | 3.9104% | 1,898 |
| Net loans and leases to total assets | 79.3053% | 1,134 |
| Net loans and leases to deposits | 89.8519% | 2,235 |
| Net loans and leases to core deposits | 119.9797% | 1,949 |
| Total domestic deposits to total assets | 88.2623% | 1,851 |
| Equity capital to assets | 8.0456% | 6,530 |
| Core capital (leverage) ratio | 8.0259% | 6,130 |
| Tier 1 risk-based capital ratio | 10.2901% | 6,601 |
| Total risk-based capital ratio | 11.5445% | 6,562 |
| Memoranda: | ||
| Average total assets | $638,158,800 | 1,085 |
| Average earning assets | $586,667,400 | 1,072 |
| Average equity | $49,027,400 | 1,370 |
| Average total loans | $511,865,400 | 934 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9698% | 2,153 |
| Cost of funding earning assets | 1.9972% | 3,373 |
| Net interest margin | 3.9725% | 2,933 |
| Noninterest income to average assets | 0.7216% | 2,875 |
| Noninterest expense to average assets | 2.7316% | 5,182 |
| Loan and lease loss provision to assets | 0.7751% | 2,435 |
| Net operating income to assets | 0.5575% | 3,762 |
| Return on assets (ROA) | 0.5588% | 3,847 |
| Pretax return on assets | 0.8758% | 3,297 |
| Return on Equity (ROE) | 7.3593% | 2,926 |
| Retained earnings to average equity (ytd only) | 0.4968% | 4,999 |
| Net charge-offs to loans | 0.1855% | 4,907 |
| Credit loss provision to net charge-offs | 521.5989% | 754 |
| Earnings coverage of net charge-offs (x) | 11.0954% | 1,884 |
| Efficiency ratio | 62.3590% | 6,047 |
| Assets per employee ($millions) | 4.4188% | 2,992 |
| Cash dividends to net income (ytd only)* | 93.2487% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 3,129 |
| Loan loss allowance to noncurrent loans | 74.3284% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 2.3947% | 2,878 |
| Noncurrent loans to loans | 2.1091% | 3,496 |
| Net loans and leases to total assets | 79.1763% | 1,353 |
| Net loans and leases to deposits | 89.9361% | 2,593 |
| Net loans and leases to core deposits | 121.8361% | 2,088 |
| Total domestic deposits to total assets | 88.0362% | 1,636 |
| Equity capital to assets | 7.8023% | 7,040 |
| Core capital (leverage) ratio | 7.6397% | 6,812 |
| Tier 1 risk-based capital ratio | 9.8247% | 7,111 |
| Total risk-based capital ratio | 11.0792% | 7,077 |
| Memoranda: | ||
| Average total assets | $639,698,750 | 1,097 |
| Average earning assets | $589,197,000 | 1,085 |
| Average equity | $48,572,250 | 1,407 |
| Average total loans | $512,573,500 | 945 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9326% | 2,448 |
| Cost of funding earning assets | 2.1111% | 3,218 |
| Net interest margin | 3.8215% | 3,450 |
| Noninterest income to average assets | 0.6922% | 3,040 |
| Noninterest expense to average assets | 2.5536% | 5,932 |
| Loan and lease loss provision to assets | 1.0014% | 1,680 |
| Net operating income to assets | 0.4210% | 4,420 |
| Return on assets (ROA) | 0.4210% | 4,526 |
| Pretax return on assets | 0.6573% | 4,136 |
| Return on Equity (ROE) | 5.5950% | 3,822 |
| Retained earnings to average equity (ytd only) | -4.7508% | 6,266 |
| Net charge-offs to loans | 0.1280% | 4,888 |
| Credit loss provision to net charge-offs | 977.5076% | 502 |
| Earnings coverage of net charge-offs (x) | 16.1915% | 1,542 |
| Efficiency ratio | 60.6224% | 6,456 |
| Assets per employee ($millions) | 4.3789% | 2,971 |
| Cash dividends to net income (ytd only)* | 184.9112% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 3,173 |
| Loan loss allowance to noncurrent loans | 97.2374% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 1.9592% | 3,248 |
| Noncurrent loans to loans | 1.5462% | 4,176 |
| Net loans and leases to total assets | 80.9826% | 1,145 |
| Net loans and leases to deposits | 91.7175% | 2,521 |
| Net loans and leases to core deposits | 123.7973% | 2,047 |
| Total domestic deposits to total assets | 88.2957% | 1,630 |
| Equity capital to assets | 7.5656% | 7,212 |
| Core capital (leverage) ratio | 7.3225% | 7,220 |
| Tier 1 risk-based capital ratio | 9.2942% | 7,545 |
| Total risk-based capital ratio | 10.5478% | 7,527 |
| Memoranda: | ||
| Average total assets | $642,301,000 | 1,116 |
| Average earning assets | $591,645,330 | 1,095 |
| Average equity | $48,329,000 | 1,428 |
| Average total loans | $514,005,670 | 972 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9255% | 2,669 |
| Cost of funding earning assets | 2.2393% | 2,965 |
| Net interest margin | 3.6862% | 3,959 |
| Noninterest income to average assets | 0.6260% | 3,372 |
| Noninterest expense to average assets | 2.4874% | 5,884 |
| Loan and lease loss provision to assets | 0.0966% | 5,726 |
| Net operating income to assets | 0.8985% | 2,709 |
| Return on assets (ROA) | 0.8985% | 2,861 |
| Pretax return on assets | 1.4149% | 1,923 |
| Return on Equity (ROE) | 11.9732% | 1,667 |
| Retained earnings to average equity (ytd only) | -8.6560% | 6,979 |
| Net charge-offs to loans | 0.0816% | 4,350 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 23.4712% | 1,278 |
| Efficiency ratio | 62.2019% | 6,017 |
| Assets per employee ($millions) | 4.6145% | 2,546 |
| Cash dividends to net income (ytd only)* | 172.2950% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 6,351 |
| Loan loss allowance to noncurrent loans | 76.1196% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.6248% | 3,477 |
| Noncurrent loans to loans | 1.2795% | 4,420 |
| Net loans and leases to total assets | 77.8017% | 1,868 |
| Net loans and leases to deposits | 87.6051% | 3,352 |
| Net loans and leases to core deposits | 119.2686% | 2,480 |
| Total domestic deposits to total assets | 88.8095% | 1,334 |
| Equity capital to assets | 7.3241% | 7,475 |
| Core capital (leverage) ratio | 7.3855% | 7,289 |
| Tier 1 risk-based capital ratio | 9.3787% | 7,523 |
| Total risk-based capital ratio | 10.3766% | 7,730 |
| Memoranda: | ||
| Average total assets | $645,981,500 | 1,100 |
| Average earning assets | $591,070,500 | 1,097 |
| Average equity | $48,475,000 | 1,422 |
| Average total loans | $509,988,500 | 981 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9461% | 205 |
| Cost of funding earning assets | 3.1689% | 1,289 |
| Net interest margin | 4.7772% | 813 |
| Noninterest income to average assets | 0.8271% | 2,373 |
| Noninterest expense to average assets | 3.0507% | 3,894 |
| Loan and lease loss provision to assets | 0.1090% | 5,979 |
| Net operating income to assets | 1.3183% | 1,431 |
| Return on assets (ROA) | 1.3185% | 1,387 |
| Pretax return on assets | 2.0714% | 516 |
| Return on Equity (ROE) | 17.1184% | 615 |
| Retained earnings to average equity (ytd only) | 2.1961% | 3,851 |
| Net charge-offs to loans | 0.0959% | 5,368 |
| Credit loss provision to net charge-offs | 137.1084% | 3,887 |
| Earnings coverage of net charge-offs (x) | 27.4265% | 1,247 |
| Efficiency ratio | 58.3199% | 6,641 |
| Assets per employee ($millions) | 4.6138% | 2,460 |
| Cash dividends to net income (ytd only)* | 87.1713% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 6,192 |
| Loan loss allowance to noncurrent loans | 87.4207% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.5557% | 3,114 |
| Noncurrent loans to loans | 1.1236% | 4,300 |
| Net loans and leases to total assets | 78.5606% | 1,989 |
| Net loans and leases to deposits | 90.3804% | 3,387 |
| Net loans and leases to core deposits | 123.9934% | 2,326 |
| Total domestic deposits to total assets | 86.9221% | 1,974 |
| Equity capital to assets | 7.6893% | 7,215 |
| Core capital (leverage) ratio | 7.7811% | 6,832 |
| Tier 1 risk-based capital ratio | 9.6601% | 7,132 |
| Total risk-based capital ratio | 10.6552% | 7,329 |
| Memoranda: | ||
| Average total assets | $522,051,400 | 1,294 |
| Average earning assets | $481,241,200 | 1,278 |
| Average equity | $40,208,200 | 1,671 |
| Average total loans | $432,752,400 | 1,105 |