Home > Elsa State Bank and Trust Company > Performance and Condition Ratios
Elsa State Bank and Trust Company, Performance and Condition Ratios
| 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 | 6.2178% | 107 |
| Cost of funding earning assets | 0.4287% | 3,506 |
| Net interest margin | 5.7891% | 83 |
| Noninterest income to average assets | 0.8515% | 1,316 |
| Noninterest expense to average assets | 4.4655% | 303 |
| Loan and lease loss provision to assets | 0.1028% | 1,889 |
| Net operating income to assets | 1.3658% | 1,549 |
| Return on assets (ROA) | 1.3658% | 1,552 |
| Pretax return on assets | 1.3658% | 2,273 |
| Return on Equity (ROE) | 13.5379% | 1,195 |
| Retained earnings to average equity (ytd only) | 8.8282% | 1,269 |
| Net charge-offs to loans | 0.0106% | 2,766 |
| Credit loss provision to net charge-offs | 1,428.5714% | 298 |
| Earnings coverage of net charge-offs (x) | 204.0000% | 416 |
| Efficiency ratio | 75.2513% | 1,522 |
| Assets per employee ($millions) | 2.0543% | 5,437 |
| Cash dividends to net income (ytd only)* | 34.7892% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8127% | 4,652 |
| Loan loss allowance to noncurrent loans | 162.3145% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 3,256 |
| Noncurrent loans to loans | 0.5007% | 2,918 |
| Net loans and leases to total assets | 69.1446% | 2,700 |
| Net loans and leases to deposits | 77.6820% | 3,187 |
| Net loans and leases to core deposits | 83.4816% | 3,123 |
| Total domestic deposits to total assets | 89.0097% | 933 |
| Equity capital to assets | 10.3254% | 3,314 |
| Core capital (leverage) ratio | 10.8669% | 2,641 |
| Tier 1 risk-based capital ratio | 16.8073% | 2,162 |
| Total risk-based capital ratio | 17.6821% | 2,223 |
| Memoranda: | ||
| Average total assets | $194,470,000 | 2,956 |
| Average earning assets | $170,736,000 | 3,057 |
| Average equity | $19,619,000 | 3,161 |
| Average total loans | $132,152,000 | 2,887 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1600% | 111 |
| Cost of funding earning assets | 0.4209% | 3,435 |
| Net interest margin | 5.7392% | 87 |
| Noninterest income to average assets | 0.8486% | 1,306 |
| Noninterest expense to average assets | 4.4294% | 316 |
| Loan and lease loss provision to assets | 0.1537% | 1,178 |
| Net operating income to assets | 1.2688% | 1,749 |
| Return on assets (ROA) | 1.2688% | 1,757 |
| Pretax return on assets | 1.2688% | 2,481 |
| Return on Equity (ROE) | 12.7242% | 1,343 |
| Retained earnings to average equity (ytd only) | 4.5018% | 3,397 |
| Net charge-offs to loans | 0.0397% | 1,740 |
| Credit loss provision to net charge-offs | 576.9231% | 535 |
| Earnings coverage of net charge-offs (x) | 53.3846% | 914 |
| Efficiency ratio | 75.6918% | 1,638 |
| Assets per employee ($millions) | 2.0958% | 5,493 |
| Cash dividends to net income (ytd only)* | 64.6204% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7980% | 4,796 |
| Loan loss allowance to noncurrent loans | 273.2648% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 4,106 |
| Noncurrent loans to loans | 0.2920% | 3,725 |
| Net loans and leases to total assets | 66.3675% | 2,981 |
| Net loans and leases to deposits | 74.0175% | 3,414 |
| Net loans and leases to core deposits | 78.6621% | 3,436 |
| Total domestic deposits to total assets | 89.6646% | 802 |
| Equity capital to assets | 9.7141% | 3,872 |
| Core capital (leverage) ratio | 10.5016% | 2,939 |
| Tier 1 risk-based capital ratio | 16.3888% | 2,327 |
| Total risk-based capital ratio | 17.2440% | 2,411 |
| Memoranda: | ||
| Average total assets | $195,151,500 | 2,980 |
| Average earning assets | $170,128,500 | 3,093 |
| Average equity | $19,459,000 | 3,207 |
| Average total loans | $130,919,500 | 2,921 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9876% | 137 |
| Cost of funding earning assets | 0.3883% | 3,350 |
| Net interest margin | 5.5993% | 93 |
| Noninterest income to average assets | 0.8542% | 1,398 |
| Noninterest expense to average assets | 4.2669% | 389 |
| Loan and lease loss provision to assets | 0.3097% | 548 |
| Net operating income to assets | 1.2304% | 1,426 |
| Return on assets (ROA) | 1.2174% | 1,487 |
| Pretax return on assets | 1.2174% | 2,702 |
| Return on Equity (ROE) | 12.1984% | 1,155 |
| Retained earnings to average equity (ytd only) | 3.3477% | 3,293 |
| Net charge-offs to loans | 0.3881% | 648 |
| Credit loss provision to net charge-offs | 123.1405% | 2,123 |
| Earnings coverage of net charge-offs (x) | 6.1240% | 3,225 |
| Efficiency ratio | 73.4789% | 1,987 |
| Assets per employee ($millions) | 1.9917% | 5,570 |
| Cash dividends to net income (ytd only)* | 72.5566% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7782% | 4,890 |
| Loan loss allowance to noncurrent loans | 262.7297% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 4,141 |
| Noncurrent loans to loans | 0.2962% | 3,718 |
| Net loans and leases to total assets | 66.7549% | 2,998 |
| Net loans and leases to deposits | 74.8352% | 3,442 |
| Net loans and leases to core deposits | 78.5689% | 3,540 |
| Total domestic deposits to total assets | 89.2025% | 905 |
| Equity capital to assets | 10.2390% | 3,451 |
| Core capital (leverage) ratio | 10.5382% | 2,800 |
| Tier 1 risk-based capital ratio | 17.0378% | 2,078 |
| Total risk-based capital ratio | 17.8841% | 2,167 |
| Memoranda: | ||
| Average total assets | $192,460,000 | 2,994 |
| Average earning assets | $170,235,200 | 3,070 |
| Average equity | $19,207,400 | 3,222 |
| Average total loans | $124,696,200 | 2,992 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9521% | 139 |
| Cost of funding earning assets | 0.3827% | 3,350 |
| Net interest margin | 5.5694% | 93 |
| Noninterest income to average assets | 0.8562% | 1,406 |
| Noninterest expense to average assets | 4.2314% | 395 |
| Loan and lease loss provision to assets | 0.4122% | 323 |
| Net operating income to assets | 1.1447% | 1,895 |
| Return on assets (ROA) | 1.1274% | 2,028 |
| Pretax return on assets | 1.1274% | 3,196 |
| Return on Equity (ROE) | 11.3695% | 1,539 |
| Retained earnings to average equity (ytd only) | 2.9993% | 4,125 |
| Net charge-offs to loans | 0.5259% | 385 |
| Credit loss provision to net charge-offs | 122.1311% | 1,981 |
| Earnings coverage of net charge-offs (x) | 4.6127% | 3,205 |
| Efficiency ratio | 73.1031% | 2,024 |
| Assets per employee ($millions) | 2.0249% | 5,626 |
| Cash dividends to net income (ytd only)* | 73.6196% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7989% | 4,896 |
| Loan loss allowance to noncurrent loans | 297.6119% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 4,413 |
| Noncurrent loans to loans | 0.2684% | 3,998 |
| Net loans and leases to total assets | 63.6867% | 3,452 |
| Net loans and leases to deposits | 71.4376% | 3,833 |
| Net loans and leases to core deposits | 74.7219% | 3,913 |
| Total domestic deposits to total assets | 89.1501% | 805 |
| Equity capital to assets | 10.1395% | 3,757 |
| Core capital (leverage) ratio | 10.4267% | 3,055 |
| Tier 1 risk-based capital ratio | 17.3107% | 2,062 |
| Total risk-based capital ratio | 18.1764% | 2,136 |
| Memoranda: | ||
| Average total assets | $192,774,750 | 3,017 |
| Average earning assets | $170,714,500 | 3,090 |
| Average equity | $19,115,000 | 3,258 |
| Average total loans | $123,711,000 | 3,033 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8272% | 156 |
| Cost of funding earning assets | 0.3832% | 3,256 |
| Net interest margin | 5.4440% | 110 |
| Noninterest income to average assets | 0.8625% | 1,385 |
| Noninterest expense to average assets | 4.2448% | 398 |
| Loan and lease loss provision to assets | 0.5941% | 188 |
| Net operating income to assets | 0.9010% | 2,908 |
| Return on assets (ROA) | 0.9010% | 2,962 |
| Pretax return on assets | 0.9010% | 3,929 |
| Return on Equity (ROE) | 9.1559% | 2,435 |
| Retained earnings to average equity (ytd only) | -0.3595% | 5,139 |
| Net charge-offs to loans | 0.7913% | 249 |
| Credit loss provision to net charge-offs | 117.0082% | 1,815 |
| Earnings coverage of net charge-offs (x) | 2.9447% | 3,102 |
| Efficiency ratio | 73.9532% | 2,026 |
| Assets per employee ($millions) | 2.0697% | 5,664 |
| Cash dividends to net income (ytd only)* | 103.9261% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7819% | 4,989 |
| Loan loss allowance to noncurrent loans | 286.7257% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.2276% | 4,234 |
| Noncurrent loans to loans | 0.2727% | 4,067 |
| Net loans and leases to total assets | 64.0746% | 3,376 |
| Net loans and leases to deposits | 71.6821% | 3,769 |
| Net loans and leases to core deposits | 75.1656% | 3,845 |
| Total domestic deposits to total assets | 89.3872% | 766 |
| Equity capital to assets | 9.9888% | 3,924 |
| Core capital (leverage) ratio | 10.1194% | 3,379 |
| Tier 1 risk-based capital ratio | 17.2420% | 2,079 |
| Total risk-based capital ratio | 18.1025% | 2,153 |
| Memoranda: | ||
| Average total assets | $192,236,670 | 3,037 |
| Average earning assets | $172,227,670 | 3,085 |
| Average equity | $18,916,670 | 3,284 |
| Average total loans | $123,349,000 | 3,045 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7752% | 163 |
| Cost of funding earning assets | 0.3856% | 3,135 |
| Net interest margin | 5.3895% | 120 |
| Noninterest income to average assets | 0.8620% | 1,356 |
| Noninterest expense to average assets | 4.1934% | 431 |
| Loan and lease loss provision to assets | 0.8849% | 102 |
| Net operating income to assets | 0.6142% | 4,092 |
| Return on assets (ROA) | 0.6142% | 4,149 |
| Pretax return on assets | 0.6142% | 4,699 |
| Return on Equity (ROE) | 6.2895% | 3,766 |
| Retained earnings to average equity (ytd only) | -6.5027% | 5,462 |
| Net charge-offs to loans | 1.4584% | 111 |
| Credit loss provision to net charge-offs | 94.8661% | 1,652 |
| Earnings coverage of net charge-offs (x) | 1.6071% | 2,708 |
| Efficiency ratio | 73.6650% | 2,287 |
| Assets per employee ($millions) | 2.1648% | 5,713 |
| Cash dividends to net income (ytd only)* | 203.3898% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7045% | 5,297 |
| Loan loss allowance to noncurrent loans | 241.8994% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 4,353 |
| Noncurrent loans to loans | 0.2912% | 4,070 |
| Net loans and leases to total assets | 63.3523% | 3,351 |
| Net loans and leases to deposits | 70.6606% | 3,729 |
| Net loans and leases to core deposits | 74.6248% | 3,776 |
| Total domestic deposits to total assets | 89.6571% | 820 |
| Equity capital to assets | 9.7392% | 4,026 |
| Core capital (leverage) ratio | 10.0184% | 3,470 |
| Tier 1 risk-based capital ratio | 16.9905% | 2,184 |
| Total risk-based capital ratio | 17.7567% | 2,304 |
| Memoranda: | ||
| Average total assets | $192,112,500 | 3,069 |
| Average earning assets | $172,186,000 | 3,105 |
| Average equity | $18,761,500 | 3,314 |
| Average total loans | $122,870,500 | 3,075 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7188% | 183 |
| Cost of funding earning assets | 0.3858% | 3,148 |
| Net interest margin | 5.3330% | 145 |
| Noninterest income to average assets | 0.8439% | 1,604 |
| Noninterest expense to average assets | 4.0893% | 536 |
| Loan and lease loss provision to assets | 0.0604% | 3,167 |
| Net operating income to assets | 1.3979% | 1,011 |
| Return on assets (ROA) | 1.3979% | 1,043 |
| Pretax return on assets | 1.3979% | 1,948 |
| Return on Equity (ROE) | 14.1505% | 750 |
| Retained earnings to average equity (ytd only) | 8.5690% | 675 |
| Net charge-offs to loans | 0.1414% | 1,848 |
| Credit loss provision to net charge-offs | 71.8750% | 3,106 |
| Earnings coverage of net charge-offs (x) | 17.3563% | 2,053 |
| Efficiency ratio | 73.7126% | 2,321 |
| Assets per employee ($millions) | 2.0839% | 5,780 |
| Cash dividends to net income (ytd only)* | 39.4440% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7238% | 5,312 |
| Loan loss allowance to noncurrent loans | 199.7753% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 4,238 |
| Noncurrent loans to loans | 0.3623% | 3,827 |
| Net loans and leases to total assets | 63.5971% | 3,407 |
| Net loans and leases to deposits | 72.6594% | 3,645 |
| Net loans and leases to core deposits | 76.8386% | 3,678 |
| Total domestic deposits to total assets | 87.5277% | 1,857 |
| Equity capital to assets | 9.8680% | 3,860 |
| Core capital (leverage) ratio | 10.3084% | 3,098 |
| Tier 1 risk-based capital ratio | 17.2281% | 2,081 |
| Total risk-based capital ratio | 18.0068% | 2,194 |
| Memoranda: | ||
| Average total assets | $190,422,600 | 3,055 |
| Average earning assets | $167,953,600 | 3,139 |
| Average equity | $18,812,000 | 3,296 |
| Average total loans | $113,152,600 | 3,173 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7346% | 179 |
| Cost of funding earning assets | 0.3852% | 3,175 |
| Net interest margin | 5.3494% | 138 |
| Noninterest income to average assets | 0.8571% | 1,555 |
| Noninterest expense to average assets | 4.1556% | 506 |
| Loan and lease loss provision to assets | 0.0807% | 2,594 |
| Net operating income to assets | 1.3060% | 1,275 |
| Return on assets (ROA) | 1.3060% | 1,364 |
| Pretax return on assets | 1.3060% | 2,405 |
| Return on Equity (ROE) | 13.2157% | 996 |
| Retained earnings to average equity (ytd only) | 7.8925% | 1,219 |
| Net charge-offs to loans | 0.1577% | 1,432 |
| Credit loss provision to net charge-offs | 87.7863% | 2,566 |
| Earnings coverage of net charge-offs (x) | 15.0918% | 2,204 |
| Efficiency ratio | 74.9810% | 2,111 |
| Assets per employee ($millions) | 2.1384% | 5,841 |
| Cash dividends to net income (ytd only)* | 40.2795% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7871% | 5,223 |
| Loan loss allowance to noncurrent loans | 123.6878% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 3,877 |
| Noncurrent loans to loans | 0.6363% | 3,107 |
| Net loans and leases to total assets | 60.1918% | 3,849 |
| Net loans and leases to deposits | 67.5298% | 4,200 |
| Net loans and leases to core deposits | 71.2102% | 4,234 |
| Total domestic deposits to total assets | 89.1337% | 833 |
| Equity capital to assets | 10.1591% | 3,970 |
| Core capital (leverage) ratio | 10.0151% | 3,553 |
| Tier 1 risk-based capital ratio | 17.4683% | 2,091 |
| Total risk-based capital ratio | 18.3058% | 2,165 |
| Memoranda: | ||
| Average total assets | $190,098,000 | 3,070 |
| Average earning assets | $166,493,000 | 3,173 |
| Average equity | $18,785,250 | 3,326 |
| Average total loans | $110,736,250 | 3,217 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6544% | 202 |
| Cost of funding earning assets | 0.3859% | 3,196 |
| Net interest margin | 5.2685% | 153 |
| Noninterest income to average assets | 0.8948% | 1,388 |
| Noninterest expense to average assets | 4.1973% | 494 |
| Loan and lease loss provision to assets | 0.1109% | 2,024 |
| Net operating income to assets | 1.2023% | 1,590 |
| Return on assets (ROA) | 1.2023% | 1,684 |
| Pretax return on assets | 1.2023% | 2,775 |
| Return on Equity (ROE) | 12.2830% | 1,215 |
| Retained earnings to average equity (ytd only) | 6.8863% | 1,670 |
| Net charge-offs to loans | 0.2134% | 1,103 |
| Credit loss provision to net charge-offs | 90.5172% | 2,235 |
| Earnings coverage of net charge-offs (x) | 10.7155% | 2,312 |
| Efficiency ratio | 76.1695% | 2,056 |
| Assets per employee ($millions) | 2.2916% | 5,864 |
| Cash dividends to net income (ytd only)* | 43.9367% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8097% | 5,256 |
| Loan loss allowance to noncurrent loans | 133.5745% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3547% | 4,067 |
| Noncurrent loans to loans | 0.6062% | 3,251 |
| Net loans and leases to total assets | 58.0477% | 4,109 |
| Net loans and leases to deposits | 64.7888% | 4,439 |
| Net loans and leases to core deposits | 67.9442% | 4,476 |
| Total domestic deposits to total assets | 89.5954% | 640 |
| Equity capital to assets | 9.7978% | 4,452 |
| Core capital (leverage) ratio | 9.8023% | 3,807 |
| Tier 1 risk-based capital ratio | 17.4484% | 2,086 |
| Total risk-based capital ratio | 18.3099% | 2,152 |
| Memoranda: | ||
| Average total assets | $189,311,330 | 3,093 |
| Average earning assets | $165,853,000 | 3,198 |
| Average equity | $18,529,670 | 3,370 |
| Average total loans | $108,727,330 | 3,258 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6449% | 207 |
| Cost of funding earning assets | 0.4000% | 3,066 |
| Net interest margin | 5.2449% | 163 |
| Noninterest income to average assets | 0.9305% | 1,232 |
| Noninterest expense to average assets | 4.2536% | 476 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2027% | 1,551 |
| Return on assets (ROA) | 1.2027% | 1,655 |
| Pretax return on assets | 1.2027% | 2,691 |
| Return on Equity (ROE) | 12.2945% | 1,216 |
| Retained earnings to average equity (ytd only) | 9.0072% | 1,112 |
| Net charge-offs to loans | -0.3092% | 5,938 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9568% | 1,905 |
| Assets per employee ($millions) | 2.2551% | 5,939 |
| Cash dividends to net income (ytd only)* | 26.7380% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 4,924 |
| Loan loss allowance to noncurrent loans | 106.6038% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.4977% | 3,613 |
| Noncurrent loans to loans | 0.8784% | 2,656 |
| Net loans and leases to total assets | 56.1305% | 4,244 |
| Net loans and leases to deposits | 62.5273% | 4,543 |
| Net loans and leases to core deposits | 65.7396% | 4,550 |
| Total domestic deposits to total assets | 89.7695% | 698 |
| Equity capital to assets | 9.7197% | 4,426 |
| Core capital (leverage) ratio | 10.1325% | 3,387 |
| Tier 1 risk-based capital ratio | 18.5760% | 1,833 |
| Total risk-based capital ratio | 19.5989% | 1,856 |
| Memoranda: | ||
| Average total assets | $186,573,000 | 3,132 |
| Average earning assets | $160,995,500 | 3,271 |
| Average equity | $18,252,000 | 3,404 |
| Average total loans | $106,094,500 | 3,313 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4779% | 277 |
| Cost of funding earning assets | 0.4612% | 2,529 |
| Net interest margin | 5.0167% | 244 |
| Noninterest income to average assets | 0.9250% | 1,368 |
| Noninterest expense to average assets | 3.8978% | 763 |
| Loan and lease loss provision to assets | 0.1104% | 2,153 |
| Net operating income to assets | 1.1843% | 1,608 |
| Return on assets (ROA) | 1.1979% | 1,629 |
| Pretax return on assets | 1.1979% | 2,666 |
| Return on Equity (ROE) | 12.8856% | 1,083 |
| Retained earnings to average equity (ytd only) | 6.0978% | 1,744 |
| Net charge-offs to loans | 0.0620% | 2,984 |
| Credit loss provision to net charge-offs | 350.0000% | 853 |
| Earnings coverage of net charge-offs (x) | 41.0333% | 1,152 |
| Efficiency ratio | 75.0658% | 2,418 |
| Assets per employee ($millions) | 2.1863% | 6,001 |
| Cash dividends to net income (ytd only)* | 52.6778% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 5,074 |
| Loan loss allowance to noncurrent loans | 134.3391% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 4,062 |
| Noncurrent loans to loans | 0.6719% | 3,177 |
| Net loans and leases to total assets | 56.5649% | 4,247 |
| Net loans and leases to deposits | 63.0498% | 4,536 |
| Net loans and leases to core deposits | 66.3596% | 4,562 |
| Total domestic deposits to total assets | 89.7148% | 747 |
| Equity capital to assets | 9.8493% | 4,131 |
| Core capital (leverage) ratio | 9.9068% | 3,633 |
| Tier 1 risk-based capital ratio | 16.4340% | 2,518 |
| Total risk-based capital ratio | 17.2849% | 2,614 |
| Memoranda: | ||
| Average total assets | $190,158,200 | 3,052 |
| Average earning assets | $161,759,200 | 3,233 |
| Average equity | $17,678,600 | 3,430 |
| Average total loans | $96,772,600 | 3,444 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3735% | 333 |
| Cost of funding earning assets | 0.4817% | 2,396 |
| Net interest margin | 4.8918% | 312 |
| Noninterest income to average assets | 0.9338% | 1,363 |
| Noninterest expense to average assets | 3.8121% | 840 |
| Loan and lease loss provision to assets | 0.1386% | 1,604 |
| Net operating income to assets | 1.1085% | 1,969 |
| Return on assets (ROA) | 1.1085% | 2,047 |
| Pretax return on assets | 1.1085% | 3,183 |
| Return on Equity (ROE) | 12.0927% | 1,350 |
| Retained earnings to average equity (ytd only) | 8.6895% | 1,005 |
| Net charge-offs to loans | 0.0827% | 2,366 |
| Credit loss provision to net charge-offs | 338.9831% | 865 |
| Earnings coverage of net charge-offs (x) | 30.4934% | 1,477 |
| Efficiency ratio | 75.3494% | 2,342 |
| Assets per employee ($millions) | 2.1619% | 6,097 |
| Cash dividends to net income (ytd only)* | 28.1428% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 4,922 |
| Loan loss allowance to noncurrent loans | 99.6767% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 3,699 |
| Noncurrent loans to loans | 0.9667% | 2,570 |
| Net loans and leases to total assets | 51.7362% | 4,777 |
| Net loans and leases to deposits | 57.8279% | 5,011 |
| Net loans and leases to core deposits | 60.8274% | 5,011 |
| Total domestic deposits to total assets | 89.4658% | 789 |
| Equity capital to assets | 9.9928% | 4,158 |
| Core capital (leverage) ratio | 9.4920% | 4,314 |
| Tier 1 risk-based capital ratio | 20.2758% | 1,485 |
| Total risk-based capital ratio | 21.3101% | 1,498 |
| Memoranda: | ||
| Average total assets | $192,331,750 | 3,050 |
| Average earning assets | $162,199,500 | 3,250 |
| Average equity | $17,630,000 | 3,463 |
| Average total loans | $95,070,750 | 3,508 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2594% | 388 |
| Cost of funding earning assets | 0.4954% | 2,288 |
| Net interest margin | 4.7640% | 384 |
| Noninterest income to average assets | 0.9068% | 1,422 |
| Noninterest expense to average assets | 3.7717% | 905 |
| Loan and lease loss provision to assets | 0.1025% | 2,125 |
| Net operating income to assets | 0.9939% | 2,418 |
| Return on assets (ROA) | 0.9939% | 2,530 |
| Pretax return on assets | 0.9939% | 3,609 |
| Return on Equity (ROE) | 11.1586% | 1,629 |
| Retained earnings to average equity (ytd only) | 7.7075% | 1,387 |
| Net charge-offs to loans | 0.0992% | 2,019 |
| Credit loss provision to net charge-offs | 212.7660% | 1,171 |
| Earnings coverage of net charge-offs (x) | 22.7660% | 1,631 |
| Efficiency ratio | 77.4784% | 2,140 |
| Assets per employee ($millions) | 2.2921% | 6,130 |
| Cash dividends to net income (ytd only)* | 30.9278% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8587% | 5,440 |
| Loan loss allowance to noncurrent loans | 82.1394% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 3,847 |
| Noncurrent loans to loans | 1.0454% | 2,554 |
| Net loans and leases to total assets | 50.1911% | 4,914 |
| Net loans and leases to deposits | 55.5005% | 5,158 |
| Net loans and leases to core deposits | 58.0991% | 5,188 |
| Total domestic deposits to total assets | 90.4337% | 480 |
| Equity capital to assets | 9.1202% | 5,123 |
| Core capital (leverage) ratio | 8.9399% | 5,041 |
| Tier 1 risk-based capital ratio | 18.8321% | 1,831 |
| Total risk-based capital ratio | 19.7250% | 1,893 |
| Memoranda: | ||
| Average total assets | $195,188,000 | 3,042 |
| Average earning assets | $162,299,670 | 3,270 |
| Average equity | $17,385,670 | 3,512 |
| Average total loans | $94,762,000 | 3,539 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2695% | 370 |
| Cost of funding earning assets | 0.5116% | 2,186 |
| Net interest margin | 4.7579% | 378 |
| Noninterest income to average assets | 0.8814% | 1,447 |
| Noninterest expense to average assets | 3.8186% | 857 |
| Loan and lease loss provision to assets | 0.2035% | 897 |
| Net operating income to assets | 0.7022% | 3,785 |
| Return on assets (ROA) | 0.7022% | 3,913 |
| Pretax return on assets | 0.7022% | 4,583 |
| Return on Equity (ROE) | 7.9776% | 2,970 |
| Retained earnings to average equity (ytd only) | 4.5091% | 3,320 |
| Net charge-offs to loans | 0.1156% | 1,594 |
| Credit loss provision to net charge-offs | 370.3704% | 706 |
| Earnings coverage of net charge-offs (x) | 16.4815% | 1,565 |
| Efficiency ratio | 80.8272% | 1,782 |
| Assets per employee ($millions) | 2.5216% | 6,096 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9148% | 5,396 |
| Loan loss allowance to noncurrent loans | 88.5331% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4799% | 4,111 |
| Noncurrent loans to loans | 1.0332% | 2,702 |
| Net loans and leases to total assets | 46.0171% | 5,198 |
| Net loans and leases to deposits | 50.6164% | 5,415 |
| Net loans and leases to core deposits | 53.1960% | 5,412 |
| Total domestic deposits to total assets | 90.9134% | 400 |
| Equity capital to assets | 8.7049% | 5,569 |
| Core capital (leverage) ratio | 8.8431% | 5,146 |
| Tier 1 risk-based capital ratio | 17.3949% | 2,342 |
| Total risk-based capital ratio | 18.2627% | 2,430 |
| Memoranda: | ||
| Average total assets | $196,512,000 | 3,046 |
| Average earning assets | $158,724,500 | 3,341 |
| Average equity | $17,298,500 | 3,547 |
| Average total loans | $93,405,500 | 3,582 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3990% | 379 |
| Cost of funding earning assets | 0.5251% | 2,432 |
| Net interest margin | 4.8739% | 373 |
| Noninterest income to average assets | 0.9866% | 1,245 |
| Noninterest expense to average assets | 3.8655% | 895 |
| Loan and lease loss provision to assets | 0.1859% | 1,384 |
| Net operating income to assets | 0.9536% | 2,614 |
| Return on assets (ROA) | 0.9536% | 2,693 |
| Pretax return on assets | 0.9536% | 3,671 |
| Return on Equity (ROE) | 10.8789% | 1,759 |
| Retained earnings to average equity (ytd only) | 5.6970% | 2,133 |
| Net charge-offs to loans | 0.5833% | 689 |
| Credit loss provision to net charge-offs | 65.6660% | 3,169 |
| Earnings coverage of net charge-offs (x) | 4.0244% | 3,757 |
| Efficiency ratio | 77.2317% | 2,324 |
| Assets per employee ($millions) | 2.5851% | 6,115 |
| Cash dividends to net income (ytd only)* | 47.6323% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8419% | 5,657 |
| Loan loss allowance to noncurrent loans | 89.1923% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 4,283 |
| Noncurrent loans to loans | 0.9439% | 2,964 |
| Net loans and leases to total assets | 48.2710% | 5,123 |
| Net loans and leases to deposits | 53.1924% | 5,394 |
| Net loans and leases to core deposits | 56.0630% | 5,380 |
| Total domestic deposits to total assets | 90.7480% | 443 |
| Equity capital to assets | 8.9060% | 5,374 |
| Core capital (leverage) ratio | 9.0167% | 4,974 |
| Tier 1 risk-based capital ratio | 15.4132% | 3,270 |
| Total risk-based capital ratio | 16.1247% | 3,489 |
| Memoranda: | ||
| Average total assets | $188,227,400 | 3,123 |
| Average earning assets | $155,195,400 | 3,358 |
| Average equity | $16,499,800 | 3,604 |
| Average total loans | $91,374,800 | 3,606 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4167% | 367 |
| Cost of funding earning assets | 0.5279% | 2,489 |
| Net interest margin | 4.8887% | 352 |
| Noninterest income to average assets | 0.9858% | 1,265 |
| Noninterest expense to average assets | 3.8329% | 925 |
| Loan and lease loss provision to assets | 0.1422% | 1,763 |
| Net operating income to assets | 1.0349% | 2,304 |
| Return on assets (ROA) | 1.0349% | 2,363 |
| Pretax return on assets | 1.0349% | 3,448 |
| Return on Equity (ROE) | 11.8539% | 1,516 |
| Retained earnings to average equity (ytd only) | 8.1470% | 1,291 |
| Net charge-offs to loans | 0.5645% | 666 |
| Credit loss provision to net charge-offs | 51.9481% | 3,074 |
| Earnings coverage of net charge-offs (x) | 4.2987% | 3,491 |
| Efficiency ratio | 76.5048% | 2,415 |
| Assets per employee ($millions) | 2.5329% | 6,206 |
| Cash dividends to net income (ytd only)* | 31.2714% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 5,647 |
| Loan loss allowance to noncurrent loans | 107.8621% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.6872% | 3,766 |
| Noncurrent loans to loans | 0.8200% | 3,524 |
| Net loans and leases to total assets | 46.7564% | 5,310 |
| Net loans and leases to deposits | 51.6713% | 5,551 |
| Net loans and leases to core deposits | 54.7626% | 5,522 |
| Total domestic deposits to total assets | 90.4882% | 532 |
| Equity capital to assets | 9.0316% | 5,318 |
| Core capital (leverage) ratio | 9.0520% | 4,996 |
| Tier 1 risk-based capital ratio | 16.0895% | 3,019 |
| Total risk-based capital ratio | 16.8278% | 3,210 |
| Memoranda: | ||
| Average total assets | $187,459,500 | 3,158 |
| Average earning assets | $154,309,750 | 3,396 |
| Average equity | $16,365,500 | 3,640 |
| Average total loans | $90,937,000 | 3,640 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4685% | 323 |
| Cost of funding earning assets | 0.5290% | 2,550 |
| Net interest margin | 4.9395% | 321 |
| Noninterest income to average assets | 0.9175% | 1,439 |
| Noninterest expense to average assets | 3.8257% | 938 |
| Loan and lease loss provision to assets | 0.1067% | 2,232 |
| Net operating income to assets | 1.0391% | 2,170 |
| Return on assets (ROA) | 1.0391% | 2,236 |
| Pretax return on assets | 1.0391% | 3,329 |
| Return on Equity (ROE) | 12.0410% | 1,410 |
| Retained earnings to average equity (ytd only) | 8.2705% | 1,226 |
| Net charge-offs to loans | 0.2811% | 1,413 |
| Credit loss provision to net charge-offs | 77.5194% | 2,363 |
| Earnings coverage of net charge-offs (x) | 8.3256% | 2,509 |
| Efficiency ratio | 76.9528% | 2,461 |
| Assets per employee ($millions) | 2.5873% | 6,225 |
| Cash dividends to net income (ytd only)* | 31.3142% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 5,194 |
| Loan loss allowance to noncurrent loans | 151.2903% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.6602% | 4,006 |
| Noncurrent loans to loans | 0.6826% | 4,008 |
| Net loans and leases to total assets | 46.9480% | 5,274 |
| Net loans and leases to deposits | 51.6731% | 5,518 |
| Net loans and leases to core deposits | 54.5659% | 5,517 |
| Total domestic deposits to total assets | 90.8557% | 451 |
| Equity capital to assets | 8.7500% | 5,574 |
| Core capital (leverage) ratio | 8.9817% | 5,047 |
| Tier 1 risk-based capital ratio | 15.2350% | 3,500 |
| Total risk-based capital ratio | 16.0901% | 3,664 |
| Memoranda: | ||
| Average total assets | $187,469,000 | 3,174 |
| Average earning assets | $153,863,000 | 3,414 |
| Average equity | $16,178,000 | 3,664 |
| Average total loans | $91,776,670 | 3,645 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4989% | 292 |
| Cost of funding earning assets | 0.5311% | 2,597 |
| Net interest margin | 4.9678% | 291 |
| Noninterest income to average assets | 0.9727% | 1,192 |
| Noninterest expense to average assets | 3.7914% | 997 |
| Loan and lease loss provision to assets | 0.2157% | 1,062 |
| Net operating income to assets | 1.0805% | 1,894 |
| Return on assets (ROA) | 1.0805% | 1,959 |
| Pretax return on assets | 1.0805% | 2,994 |
| Return on Equity (ROE) | 12.6113% | 1,258 |
| Retained earnings to average equity (ytd only) | 8.8355% | 1,299 |
| Net charge-offs to loans | 0.2081% | 1,503 |
| Credit loss provision to net charge-offs | 208.3333% | 1,003 |
| Earnings coverage of net charge-offs (x) | 12.5208% | 1,715 |
| Efficiency ratio | 74.5231% | 3,043 |
| Assets per employee ($millions) | 2.4519% | 6,403 |
| Cash dividends to net income (ytd only)* | 29.9401% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 5,056 |
| Loan loss allowance to noncurrent loans | 92.2937% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 0.9254% | 3,413 |
| Noncurrent loans to loans | 1.2071% | 3,029 |
| Net loans and leases to total assets | 47.8598% | 5,151 |
| Net loans and leases to deposits | 52.5436% | 5,422 |
| Net loans and leases to core deposits | 55.6010% | 5,378 |
| Total domestic deposits to total assets | 91.0860% | 542 |
| Equity capital to assets | 8.5543% | 5,595 |
| Core capital (leverage) ratio | 9.0196% | 4,978 |
| Tier 1 risk-based capital ratio | 14.9233% | 3,752 |
| Total risk-based capital ratio | 15.8500% | 3,900 |
| Memoranda: | ||
| Average total assets | $185,472,000 | 3,227 |
| Average earning assets | $153,630,000 | 3,446 |
| Average equity | $15,890,500 | 3,721 |
| Average total loans | $92,252,000 | 3,652 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5592% | 329 |
| Cost of funding earning assets | 0.5450% | 3,154 |
| Net interest margin | 5.0142% | 304 |
| Noninterest income to average assets | 0.9244% | 1,598 |
| Noninterest expense to average assets | 3.9086% | 979 |
| Loan and lease loss provision to assets | 0.1885% | 1,960 |
| Net operating income to assets | 1.0850% | 1,985 |
| Return on assets (ROA) | 1.0850% | 2,056 |
| Pretax return on assets | 1.0850% | 3,005 |
| Return on Equity (ROE) | 12.0478% | 1,403 |
| Retained earnings to average equity (ytd only) | 6.5745% | 1,641 |
| Net charge-offs to loans | 0.2568% | 2,428 |
| Credit loss provision to net charge-offs | 143.1718% | 1,627 |
| Earnings coverage of net charge-offs (x) | 9.6740% | 2,474 |
| Efficiency ratio | 75.4252% | 2,870 |
| Assets per employee ($millions) | 2.2214% | 6,556 |
| Cash dividends to net income (ytd only)* | 45.4303% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 5,383 |
| Loan loss allowance to noncurrent loans | 48.0139% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 1.1540% | 3,091 |
| Noncurrent loans to loans | 2.1626% | 1,815 |
| Net loans and leases to total assets | 50.5970% | 5,016 |
| Net loans and leases to deposits | 55.5390% | 5,347 |
| Net loans and leases to core deposits | 58.9025% | 5,316 |
| Total domestic deposits to total assets | 91.1019% | 531 |
| Equity capital to assets | 8.5813% | 5,491 |
| Core capital (leverage) ratio | 8.8815% | 5,164 |
| Tier 1 risk-based capital ratio | 14.6303% | 3,883 |
| Total risk-based capital ratio | 15.5122% | 4,050 |
| Memoranda: | ||
| Average total assets | $172,440,000 | 3,376 |
| Average earning assets | $146,425,200 | 3,568 |
| Average equity | $15,529,800 | 3,780 |
| Average total loans | $88,394,400 | 3,727 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5736% | 333 |
| Cost of funding earning assets | 0.5483% | 3,278 |
| Net interest margin | 5.0253% | 304 |
| Noninterest income to average assets | 0.9191% | 1,695 |
| Noninterest expense to average assets | 3.8671% | 1,006 |
| Loan and lease loss provision to assets | 0.0784% | 3,491 |
| Net operating income to assets | 1.2430% | 1,500 |
| Return on assets (ROA) | 1.2430% | 1,576 |
| Pretax return on assets | 1.2430% | 2,536 |
| Return on Equity (ROE) | 13.6301% | 1,091 |
| Retained earnings to average equity (ytd only) | 8.9004% | 1,088 |
| Net charge-offs to loans | 0.2461% | 2,338 |
| Credit loss provision to net charge-offs | 62.1118% | 3,253 |
| Earnings coverage of net charge-offs (x) | 10.4659% | 2,354 |
| Efficiency ratio | 74.5314% | 2,980 |
| Assets per employee ($millions) | 2.2852% | 6,602 |
| Cash dividends to net income (ytd only)* | 34.7006% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9076% | 6,039 |
| Loan loss allowance to noncurrent loans | 30.7605% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 1.5177% | 2,655 |
| Noncurrent loans to loans | 2.9505% | 1,378 |
| Net loans and leases to total assets | 48.9265% | 5,255 |
| Net loans and leases to deposits | 53.9002% | 5,545 |
| Net loans and leases to core deposits | 57.0210% | 5,525 |
| Total domestic deposits to total assets | 90.7724% | 626 |
| Equity capital to assets | 8.8022% | 5,424 |
| Core capital (leverage) ratio | 9.3387% | 4,633 |
| Tier 1 risk-based capital ratio | 15.0749% | 3,704 |
| Total risk-based capital ratio | 15.8344% | 3,979 |
| Memoranda: | ||
| Average total assets | $170,012,250 | 3,445 |
| Average earning assets | $144,439,500 | 3,632 |
| Average equity | $15,504,500 | 3,825 |
| Average total loans | $87,210,500 | 3,782 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5902% | 325 |
| Cost of funding earning assets | 0.5614% | 3,291 |
| Net interest margin | 5.0288% | 298 |
| Noninterest income to average assets | 0.8684% | 1,930 |
| Noninterest expense to average assets | 3.9122% | 965 |
| Loan and lease loss provision to assets | 0.1201% | 2,819 |
| Net operating income to assets | 1.1507% | 1,742 |
| Return on assets (ROA) | 1.1507% | 1,859 |
| Pretax return on assets | 1.1507% | 2,882 |
| Return on Equity (ROE) | 12.4612% | 1,367 |
| Retained earnings to average equity (ytd only) | 8.5590% | 1,266 |
| Net charge-offs to loans | 0.2934% | 2,014 |
| Credit loss provision to net charge-offs | 78.7402% | 2,657 |
| Earnings coverage of net charge-offs (x) | 8.3307% | 2,414 |
| Efficiency ratio | 75.4809% | 2,861 |
| Assets per employee ($millions) | 2.2172% | 6,675 |
| Cash dividends to net income (ytd only)* | 31.3152% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 5,969 |
| Loan loss allowance to noncurrent loans | 73.3043% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 0.7477% | 4,342 |
| Noncurrent loans to loans | 1.3036% | 3,377 |
| Net loans and leases to total assets | 51.8504% | 4,879 |
| Net loans and leases to deposits | 57.2527% | 5,219 |
| Net loans and leases to core deposits | 60.9286% | 5,177 |
| Total domestic deposits to total assets | 90.5641% | 722 |
| Equity capital to assets | 9.0507% | 5,167 |
| Core capital (leverage) ratio | 9.3548% | 4,460 |
| Tier 1 risk-based capital ratio | 15.0646% | 3,743 |
| Total risk-based capital ratio | 15.8745% | 3,979 |
| Memoranda: | ||
| Average total assets | $166,505,000 | 3,517 |
| Average earning assets | $142,856,670 | 3,679 |
| Average equity | $15,375,670 | 3,874 |
| Average total loans | $86,568,000 | 3,807 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6682% | 286 |
| Cost of funding earning assets | 0.5812% | 3,280 |
| Net interest margin | 5.0870% | 245 |
| Noninterest income to average assets | 0.8531% | 1,921 |
| Noninterest expense to average assets | 3.8162% | 1,091 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3945% | 1,041 |
| Return on assets (ROA) | 1.3945% | 1,127 |
| Pretax return on assets | 1.3945% | 1,874 |
| Return on Equity (ROE) | 14.9501% | 780 |
| Retained earnings to average equity (ytd only) | 11.0377% | 864 |
| Net charge-offs to loans | 0.5971% | 1,022 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.5078% | 2,537 |
| Efficiency ratio | 73.2375% | 3,407 |
| Assets per employee ($millions) | 2.1639% | 6,786 |
| Cash dividends to net income (ytd only)* | 26.1698% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8464% | 6,374 |
| Loan loss allowance to noncurrent loans | 60.2762% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 1.0341% | 3,865 |
| Noncurrent loans to loans | 1.4042% | 3,462 |
| Net loans and leases to total assets | 52.1681% | 4,683 |
| Net loans and leases to deposits | 57.7981% | 5,063 |
| Net loans and leases to core deposits | 61.7160% | 4,980 |
| Total domestic deposits to total assets | 90.2592% | 898 |
| Equity capital to assets | 9.3903% | 5,013 |
| Core capital (leverage) ratio | 9.4707% | 4,132 |
| Tier 1 risk-based capital ratio | 14.9229% | 3,897 |
| Total risk-based capital ratio | 15.6396% | 4,213 |
| Memoranda: | ||
| Average total assets | $165,504,500 | 3,574 |
| Average earning assets | $141,774,500 | 3,735 |
| Average equity | $15,438,000 | 3,912 |
| Average total loans | $85,745,000 | 3,847 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5038% | 617 |
| Cost of funding earning assets | 0.7104% | 3,409 |
| Net interest margin | 4.7933% | 546 |
| Noninterest income to average assets | 0.9720% | 1,626 |
| Noninterest expense to average assets | 4.0463% | 925 |
| Loan and lease loss provision to assets | 0.0713% | 4,844 |
| Net operating income to assets | 0.9619% | 2,492 |
| Return on assets (ROA) | 0.9619% | 2,730 |
| Pretax return on assets | 0.9619% | 3,693 |
| Return on Equity (ROE) | 10.8681% | 1,845 |
| Retained earnings to average equity (ytd only) | 5.8304% | 2,175 |
| Net charge-offs to loans | 0.1572% | 4,126 |
| Credit loss provision to net charge-offs | 91.6031% | 3,407 |
| Earnings coverage of net charge-offs (x) | 13.2672% | 1,847 |
| Efficiency ratio | 79.6582% | 2,187 |
| Assets per employee ($millions) | 2.0295% | 6,893 |
| Cash dividends to net income (ytd only)* | 46.3535% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 5,827 |
| Loan loss allowance to noncurrent loans | 62.8799% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.1777% | 3,690 |
| Noncurrent loans to loans | 1.6487% | 3,149 |
| Net loans and leases to total assets | 50.4635% | 5,106 |
| Net loans and leases to deposits | 55.8253% | 5,463 |
| Net loans and leases to core deposits | 59.6054% | 5,404 |
| Total domestic deposits to total assets | 90.3954% | 754 |
| Equity capital to assets | 9.2646% | 5,190 |
| Core capital (leverage) ratio | 9.1692% | 4,630 |
| Tier 1 risk-based capital ratio | 14.9150% | 3,768 |
| Total risk-based capital ratio | 15.7778% | 3,967 |
| Memoranda: | ||
| Average total assets | $168,201,600 | 3,483 |
| Average earning assets | $144,137,400 | 3,661 |
| Average equity | $14,887,600 | 3,987 |
| Average total loans | $83,328,600 | 3,926 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5224% | 648 |
| Cost of funding earning assets | 0.7399% | 3,433 |
| Net interest margin | 4.7825% | 577 |
| Noninterest income to average assets | 0.9766% | 1,575 |
| Noninterest expense to average assets | 3.8969% | 1,065 |
| Loan and lease loss provision to assets | 0.0946% | 4,402 |
| Net operating income to assets | 1.0814% | 2,164 |
| Return on assets (ROA) | 1.0814% | 2,362 |
| Pretax return on assets | 1.0814% | 3,418 |
| Return on Equity (ROE) | 12.3584% | 1,510 |
| Retained earnings to average equity (ytd only) | 8.3050% | 1,493 |
| Net charge-offs to loans | 0.1699% | 3,748 |
| Credit loss provision to net charge-offs | 113.2075% | 2,579 |
| Earnings coverage of net charge-offs (x) | 14.0754% | 1,862 |
| Efficiency ratio | 76.8179% | 2,548 |
| Assets per employee ($millions) | 1.9808% | 7,005 |
| Cash dividends to net income (ytd only)* | 32.7991% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 5,765 |
| Loan loss allowance to noncurrent loans | 69.9219% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.1287% | 4,031 |
| Noncurrent loans to loans | 1.5579% | 3,445 |
| Net loans and leases to total assets | 48.8431% | 5,448 |
| Net loans and leases to deposits | 54.0741% | 5,803 |
| Net loans and leases to core deposits | 57.5809% | 5,759 |
| Total domestic deposits to total assets | 90.3261% | 667 |
| Equity capital to assets | 9.2790% | 5,494 |
| Core capital (leverage) ratio | 8.8591% | 5,255 |
| Tier 1 risk-based capital ratio | 15.1975% | 3,705 |
| Total risk-based capital ratio | 16.0997% | 3,904 |
| Memoranda: | ||
| Average total assets | $169,154,500 | 3,505 |
| Average earning assets | $144,884,750 | 3,676 |
| Average equity | $14,802,000 | 4,047 |
| Average total loans | $83,204,250 | 3,980 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5254% | 683 |
| Cost of funding earning assets | 0.7741% | 3,409 |
| Net interest margin | 4.7514% | 611 |
| Noninterest income to average assets | 0.9819% | 1,513 |
| Noninterest expense to average assets | 3.9065% | 1,069 |
| Loan and lease loss provision to assets | 0.1411% | 3,753 |
| Net operating income to assets | 1.0054% | 2,440 |
| Return on assets (ROA) | 1.0054% | 2,658 |
| Pretax return on assets | 1.0054% | 3,687 |
| Return on Equity (ROE) | 11.7206% | 1,764 |
| Retained earnings to average equity (ytd only) | 7.6081% | 1,810 |
| Net charge-offs to loans | 0.2633% | 3,001 |
| Credit loss provision to net charge-offs | 109.0909% | 2,493 |
| Earnings coverage of net charge-offs (x) | 8.8636% | 2,233 |
| Efficiency ratio | 77.3098% | 2,551 |
| Assets per employee ($millions) | 2.1625% | 6,994 |
| Cash dividends to net income (ytd only)* | 35.0877% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 5,931 |
| Loan loss allowance to noncurrent loans | 106.9628% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.8434% | 4,701 |
| Noncurrent loans to loans | 0.9888% | 4,529 |
| Net loans and leases to total assets | 48.1792% | 5,594 |
| Net loans and leases to deposits | 52.9149% | 5,961 |
| Net loans and leases to core deposits | 56.2966% | 5,919 |
| Total domestic deposits to total assets | 91.0503% | 429 |
| Equity capital to assets | 8.6058% | 6,118 |
| Core capital (leverage) ratio | 8.5999% | 5,520 |
| Tier 1 risk-based capital ratio | 14.4188% | 4,158 |
| Total risk-based capital ratio | 15.2922% | 4,383 |
| Memoranda: | ||
| Average total assets | $170,077,330 | 3,497 |
| Average earning assets | $145,726,670 | 3,687 |
| Average equity | $14,589,670 | 4,073 |
| Average total loans | $83,551,330 | 3,997 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5662% | 674 |
| Cost of funding earning assets | 0.8030% | 3,454 |
| Net interest margin | 4.7632% | 611 |
| Noninterest income to average assets | 1.0699% | 1,262 |
| Noninterest expense to average assets | 4.1586% | 780 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0343% | 2,350 |
| Return on assets (ROA) | 1.0343% | 2,537 |
| Pretax return on assets | 1.0343% | 3,555 |
| Return on Equity (ROE) | 12.0771% | 1,661 |
| Retained earnings to average equity (ytd only) | 7.9222% | 2,012 |
| Net charge-offs to loans | 0.3798% | 2,167 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.5190% | 2,351 |
| Efficiency ratio | 80.0822% | 2,192 |
| Assets per employee ($millions) | 2.1477% | 7,071 |
| Cash dividends to net income (ytd only)* | 34.4037% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 6,344 |
| Loan loss allowance to noncurrent loans | 119.7015% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.7226% | 5,104 |
| Noncurrent loans to loans | 0.8127% | 5,050 |
| Net loans and leases to total assets | 48.1140% | 5,541 |
| Net loans and leases to deposits | 52.8426% | 5,910 |
| Net loans and leases to core deposits | 56.7784% | 5,840 |
| Total domestic deposits to total assets | 91.0516% | 532 |
| Equity capital to assets | 8.6048% | 5,989 |
| Core capital (leverage) ratio | 8.5732% | 5,475 |
| Tier 1 risk-based capital ratio | 14.3888% | 4,185 |
| Total risk-based capital ratio | 15.1879% | 4,480 |
| Memoranda: | ||
| Average total assets | $168,616,000 | 3,541 |
| Average earning assets | $145,952,000 | 3,701 |
| Average equity | $14,440,500 | 4,109 |
| Average total loans | $83,206,500 | 4,036 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5710% | 1,015 |
| Cost of funding earning assets | 1.0509% | 3,007 |
| Net interest margin | 4.5200% | 1,092 |
| Noninterest income to average assets | 1.2498% | 832 |
| Noninterest expense to average assets | 4.0481% | 962 |
| Loan and lease loss provision to assets | 0.4668% | 2,271 |
| Net operating income to assets | 0.7866% | 3,102 |
| Return on assets (ROA) | 0.7866% | 3,261 |
| Pretax return on assets | 0.7866% | 4,027 |
| Return on Equity (ROE) | 9.3425% | 2,311 |
| Retained earnings to average equity (ytd only) | 3.9567% | 3,378 |
| Net charge-offs to loans | 0.8979% | 1,933 |
| Credit loss provision to net charge-offs | 108.5795% | 3,106 |
| Earnings coverage of net charge-offs (x) | 2.9156% | 3,747 |
| Efficiency ratio | 76.3572% | 2,835 |
| Assets per employee ($millions) | 1.9948% | 7,165 |
| Cash dividends to net income (ytd only)* | 57.6480% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 6,001 |
| Loan loss allowance to noncurrent loans | 121.1829% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 1.3279% | 4,008 |
| Noncurrent loans to loans | 0.8657% | 4,956 |
| Net loans and leases to total assets | 49.5906% | 5,646 |
| Net loans and leases to deposits | 54.4144% | 6,029 |
| Net loans and leases to core deposits | 58.6102% | 5,964 |
| Total domestic deposits to total assets | 91.1351% | 451 |
| Equity capital to assets | 8.5229% | 6,117 |
| Core capital (leverage) ratio | 8.5183% | 5,531 |
| Tier 1 risk-based capital ratio | 13.8807% | 4,416 |
| Total risk-based capital ratio | 14.7446% | 4,663 |
| Memoranda: | ||
| Average total assets | $165,387,400 | 3,563 |
| Average earning assets | $148,250,800 | 3,597 |
| Average equity | $13,925,600 | 4,123 |
| Average total loans | $79,187,400 | 4,167 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5627% | 1,110 |
| Cost of funding earning assets | 1.1104% | 2,907 |
| Net interest margin | 4.4523% | 1,273 |
| Noninterest income to average assets | 0.8873% | 1,695 |
| Noninterest expense to average assets | 3.9632% | 1,049 |
| Loan and lease loss provision to assets | 0.2426% | 3,577 |
| Net operating income to assets | 0.6932% | 3,655 |
| Return on assets (ROA) | 0.6932% | 3,825 |
| Pretax return on assets | 0.6932% | 4,507 |
| Return on Equity (ROE) | 8.2580% | 2,934 |
| Retained earnings to average equity (ytd only) | 3.9218% | 3,929 |
| Net charge-offs to loans | 0.3009% | 3,586 |
| Credit loss provision to net charge-offs | 170.4545% | 1,771 |
| Earnings coverage of net charge-offs (x) | 6.5739% | 2,528 |
| Efficiency ratio | 80.8981% | 2,124 |
| Assets per employee ($millions) | 2.2421% | 7,116 |
| Cash dividends to net income (ytd only)* | 52.5091% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 5,528 |
| Loan loss allowance to noncurrent loans | 78.1457% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.0616% | 4,651 |
| Noncurrent loans to loans | 1.5160% | 4,012 |
| Net loans and leases to total assets | 46.2086% | 6,131 |
| Net loans and leases to deposits | 50.6507% | 6,469 |
| Net loans and leases to core deposits | 54.8593% | 6,401 |
| Total domestic deposits to total assets | 91.2300% | 371 |
| Equity capital to assets | 8.3815% | 6,410 |
| Core capital (leverage) ratio | 8.4148% | 5,832 |
| Tier 1 risk-based capital ratio | 14.1450% | 4,239 |
| Total risk-based capital ratio | 15.0980% | 4,419 |
| Memoranda: | ||
| Average total assets | $164,844,250 | 3,591 |
| Average earning assets | $148,532,250 | 3,623 |
| Average equity | $13,836,750 | 4,157 |
| Average total loans | $77,990,500 | 4,246 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5330% | 1,227 |
| Cost of funding earning assets | 1.1492% | 2,906 |
| Net interest margin | 4.3838% | 1,423 |
| Noninterest income to average assets | 0.8786% | 1,721 |
| Noninterest expense to average assets | 4.0603% | 957 |
| Loan and lease loss provision to assets | 0.3681% | 2,591 |
| Net operating income to assets | 0.4430% | 4,752 |
| Return on assets (ROA) | 0.4430% | 4,891 |
| Pretax return on assets | 0.4430% | 5,253 |
| Return on Equity (ROE) | 5.2746% | 4,321 |
| Retained earnings to average equity (ytd only) | 0.8913% | 5,514 |
| Net charge-offs to loans | 0.3126% | 3,314 |
| Credit loss provision to net charge-offs | 247.9339% | 1,223 |
| Earnings coverage of net charge-offs (x) | 5.4628% | 2,609 |
| Efficiency ratio | 83.3501% | 1,905 |
| Assets per employee ($millions) | 1.9835% | 7,301 |
| Cash dividends to net income (ytd only)* | 83.1025% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 5,087 |
| Loan loss allowance to noncurrent loans | 262.2047% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5698% | 5,781 |
| Noncurrent loans to loans | 0.4934% | 5,918 |
| Net loans and leases to total assets | 46.3020% | 6,232 |
| Net loans and leases to deposits | 50.7713% | 6,547 |
| Net loans and leases to core deposits | 55.4221% | 6,461 |
| Total domestic deposits to total assets | 91.1972% | 430 |
| Equity capital to assets | 8.4274% | 6,268 |
| Core capital (leverage) ratio | 8.3645% | 5,763 |
| Tier 1 risk-based capital ratio | 14.2915% | 3,945 |
| Total risk-based capital ratio | 15.3364% | 4,080 |
| Memoranda: | ||
| Average total assets | $162,992,670 | 3,632 |
| Average earning assets | $148,455,000 | 3,646 |
| Average equity | $13,688,330 | 4,183 |
| Average total loans | $77,426,330 | 4,300 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5402% | 1,201 |
| Cost of funding earning assets | 1.1650% | 3,054 |
| Net interest margin | 4.3752% | 1,350 |
| Noninterest income to average assets | 0.9373% | 1,515 |
| Noninterest expense to average assets | 4.1980% | 819 |
| Loan and lease loss provision to assets | 0.3700% | 2,342 |
| Net operating income to assets | 0.4267% | 4,815 |
| Return on assets (ROA) | 0.4267% | 4,907 |
| Pretax return on assets | 0.4267% | 5,254 |
| Return on Equity (ROE) | 5.0899% | 4,350 |
| Retained earnings to average equity (ytd only) | 5.0899% | 3,124 |
| Net charge-offs to loans | 0.2941% | 2,876 |
| Credit loss provision to net charge-offs | 263.1579% | 1,193 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,234 |
| Efficiency ratio | 84.0494% | 1,951 |
| Assets per employee ($millions) | 2.0524% | 7,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 5,734 |
| Loan loss allowance to noncurrent loans | 128.9548% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 5,685 |
| Noncurrent loans to loans | 0.9126% | 5,217 |
| Net loans and leases to total assets | 47.2866% | 6,162 |
| Net loans and leases to deposits | 51.8566% | 6,485 |
| Net loans and leases to core deposits | 55.7353% | 6,434 |
| Total domestic deposits to total assets | 91.1872% | 538 |
| Equity capital to assets | 8.4434% | 5,991 |
| Core capital (leverage) ratio | 8.5714% | 5,311 |
| Tier 1 risk-based capital ratio | 14.5252% | 3,717 |
| Total risk-based capital ratio | 15.4879% | 3,884 |
| Memoranda: | ||
| Average total assets | $162,174,000 | 3,664 |
| Average earning assets | $150,392,000 | 3,631 |
| Average equity | $13,595,500 | 4,189 |
| Average total loans | $77,526,500 | 4,342 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8709% | 1,099 |
| Cost of funding earning assets | 1.4903% | 2,704 |
| Net interest margin | 4.3806% | 1,554 |
| Noninterest income to average assets | 0.9584% | 1,643 |
| Noninterest expense to average assets | 3.8139% | 1,461 |
| Loan and lease loss provision to assets | 0.1640% | 5,574 |
| Net operating income to assets | 0.9899% | 2,070 |
| Return on assets (ROA) | 0.9899% | 2,179 |
| Pretax return on assets | 0.9899% | 2,963 |
| Return on Equity (ROE) | 11.7310% | 1,380 |
| Retained earnings to average equity (ytd only) | 6.1235% | 1,754 |
| Net charge-offs to loans | 0.3956% | 4,057 |
| Credit loss provision to net charge-offs | 87.8378% | 5,213 |
| Earnings coverage of net charge-offs (x) | 6.1791% | 2,419 |
| Efficiency ratio | 76.7717% | 2,909 |
| Assets per employee ($millions) | 2.2529% | 7,256 |
| Cash dividends to net income (ytd only)* | 47.8011% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 6,118 |
| Loan loss allowance to noncurrent loans | 80.7087% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.8236% | 5,350 |
| Noncurrent loans to loans | 1.3115% | 4,522 |
| Net loans and leases to total assets | 47.2539% | 6,455 |
| Net loans and leases to deposits | 51.7472% | 6,761 |
| Net loans and leases to core deposits | 55.7013% | 6,708 |
| Total domestic deposits to total assets | 91.3168% | 453 |
| Equity capital to assets | 8.3232% | 6,116 |
| Core capital (leverage) ratio | 8.2353% | 5,780 |
| Tier 1 risk-based capital ratio | 14.2644% | 3,705 |
| Total risk-based capital ratio | 15.1243% | 3,930 |
| Memoranda: | ||
| Average total assets | $158,498,200 | 3,727 |
| Average earning assets | $145,071,200 | 3,726 |
| Average equity | $13,374,800 | 4,292 |
| Average total loans | $74,827,800 | 4,493 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9525% | 1,028 |
| Cost of funding earning assets | 1.5336% | 2,752 |
| Net interest margin | 4.4189% | 1,469 |
| Noninterest income to average assets | 0.9655% | 1,565 |
| Noninterest expense to average assets | 3.8915% | 1,215 |
| Loan and lease loss provision to assets | 0.2200% | 4,862 |
| Net operating income to assets | 0.8842% | 2,678 |
| Return on assets (ROA) | 0.8842% | 2,817 |
| Pretax return on assets | 0.8842% | 3,607 |
| Return on Equity (ROE) | 10.4420% | 1,965 |
| Retained earnings to average equity (ytd only) | 5.9454% | 2,390 |
| Net charge-offs to loans | 0.4494% | 3,505 |
| Credit loss provision to net charge-offs | 104.0000% | 4,126 |
| Earnings coverage of net charge-offs (x) | 5.2199% | 2,807 |
| Efficiency ratio | 77.8963% | 2,639 |
| Assets per employee ($millions) | 2.2073% | 7,380 |
| Cash dividends to net income (ytd only)* | 43.0625% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 5,804 |
| Loan loss allowance to noncurrent loans | 149.0534% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5984% | 5,942 |
| Noncurrent loans to loans | 0.7591% | 5,683 |
| Net loans and leases to total assets | 47.6187% | 6,553 |
| Net loans and leases to deposits | 52.3521% | 6,876 |
| Net loans and leases to core deposits | 56.9587% | 6,791 |
| Total domestic deposits to total assets | 90.9585% | 468 |
| Equity capital to assets | 8.6004% | 6,154 |
| Core capital (leverage) ratio | 8.4466% | 5,610 |
| Tier 1 risk-based capital ratio | 14.2466% | 3,666 |
| Total risk-based capital ratio | 15.1688% | 3,865 |
| Memoranda: | ||
| Average total assets | $157,570,500 | 3,804 |
| Average earning assets | $143,712,750 | 3,800 |
| Average equity | $13,343,250 | 4,362 |
| Average total loans | $74,167,250 | 4,596 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9435% | 1,067 |
| Cost of funding earning assets | 1.5962% | 2,680 |
| Net interest margin | 4.3472% | 1,603 |
| Noninterest income to average assets | 0.9560% | 1,499 |
| Noninterest expense to average assets | 3.9830% | 1,066 |
| Loan and lease loss provision to assets | 0.1909% | 4,969 |
| Net operating income to assets | 0.7307% | 3,270 |
| Return on assets (ROA) | 0.7307% | 3,424 |
| Pretax return on assets | 0.7307% | 4,137 |
| Return on Equity (ROE) | 8.6740% | 2,594 |
| Retained earnings to average equity (ytd only) | 4.1405% | 3,435 |
| Net charge-offs to loans | 0.3135% | 3,756 |
| Credit loss provision to net charge-offs | 130.4348% | 3,082 |
| Earnings coverage of net charge-offs (x) | 6.2957% | 2,479 |
| Efficiency ratio | 81.2094% | 2,270 |
| Assets per employee ($millions) | 2.1938% | 7,441 |
| Cash dividends to net income (ytd only)* | 52.2648% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 5,608 |
| Loan loss allowance to noncurrent loans | 141.2044% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6337% | 5,904 |
| Noncurrent loans to loans | 0.8284% | 5,625 |
| Net loans and leases to total assets | 47.6604% | 6,646 |
| Net loans and leases to deposits | 52.3046% | 6,960 |
| Net loans and leases to core deposits | 57.2440% | 6,875 |
| Total domestic deposits to total assets | 91.1208% | 441 |
| Equity capital to assets | 8.4569% | 6,222 |
| Core capital (leverage) ratio | 8.2776% | 5,810 |
| Tier 1 risk-based capital ratio | 13.9762% | 3,746 |
| Total risk-based capital ratio | 14.9299% | 3,914 |
| Memoranda: | ||
| Average total assets | $157,119,670 | 3,843 |
| Average earning assets | $142,711,000 | 3,848 |
| Average equity | $13,235,000 | 4,385 |
| Average total loans | $73,375,330 | 4,664 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8576% | 1,305 |
| Cost of funding earning assets | 1.6547% | 2,624 |
| Net interest margin | 4.2029% | 2,025 |
| Noninterest income to average assets | 1.0415% | 1,177 |
| Noninterest expense to average assets | 4.1633% | 847 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6841% | 3,503 |
| Return on assets (ROA) | 0.6841% | 3,621 |
| Pretax return on assets | 0.6841% | 4,293 |
| Return on Equity (ROE) | 8.1375% | 2,816 |
| Retained earnings to average equity (ytd only) | 8.1375% | 1,654 |
| Net charge-offs to loans | 0.2834% | 3,276 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 5.2549% | 2,433 |
| Efficiency ratio | 85.8873% | 1,808 |
| Assets per employee ($millions) | 2.3001% | 7,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 5,997 |
| Loan loss allowance to noncurrent loans | 94.5882% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.7605% | 5,629 |
| Noncurrent loans to loans | 1.1648% | 5,033 |
| Net loans and leases to total assets | 44.1935% | 6,976 |
| Net loans and leases to deposits | 48.3114% | 7,220 |
| Net loans and leases to core deposits | 51.9822% | 7,202 |
| Total domestic deposits to total assets | 91.4762% | 382 |
| Equity capital to assets | 8.1087% | 6,532 |
| Core capital (leverage) ratio | 8.4810% | 5,409 |
| Tier 1 risk-based capital ratio | 14.0967% | 3,597 |
| Total risk-based capital ratio | 14.9651% | 3,804 |
| Memoranda: | ||
| Average total assets | $156,703,000 | 3,899 |
| Average earning assets | $141,901,500 | 3,924 |
| Average equity | $13,173,500 | 4,437 |
| Average total loans | $71,977,000 | 4,784 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1457% | 1,385 |
| Cost of funding earning assets | 2.0506% | 2,720 |
| Net interest margin | 4.0952% | 2,474 |
| Noninterest income to average assets | 0.9536% | 1,734 |
| Noninterest expense to average assets | 4.0167% | 1,342 |
| Loan and lease loss provision to assets | -0.1376% | 7,992 |
| Net operating income to assets | 0.8600% | 2,312 |
| Return on assets (ROA) | 0.8600% | 2,383 |
| Pretax return on assets | 0.8600% | 3,052 |
| Return on Equity (ROE) | 9.8139% | 1,742 |
| Retained earnings to average equity (ytd only) | 5.6921% | 1,478 |
| Net charge-offs to loans | -0.2325% | 7,918 |
| Credit loss provision to net charge-offs | 134.2282% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7561% | 2,265 |
| Assets per employee ($millions) | 2.0284% | 7,715 |
| Cash dividends to net income (ytd only)* | 42.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 5,319 |
| Loan loss allowance to noncurrent loans | 82.4663% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.9487% | 5,211 |
| Noncurrent loans to loans | 1.4624% | 4,479 |
| Net loans and leases to total assets | 46.7178% | 6,917 |
| Net loans and leases to deposits | 51.4321% | 7,177 |
| Net loans and leases to core deposits | 75.6288% | 6,428 |
| Total domestic deposits to total assets | 90.8340% | 601 |
| Equity capital to assets | 8.7309% | 5,548 |
| Core capital (leverage) ratio | 8.6087% | 5,085 |
| Tier 1 risk-based capital ratio | 14.5209% | 3,202 |
| Total risk-based capital ratio | 15.4932% | 3,304 |
| Memoranda: | ||
| Average total assets | $145,343,400 | 4,023 |
| Average earning assets | $134,353,800 | 4,006 |
| Average equity | $12,737,000 | 4,578 |
| Average total loans | $64,095,600 | 5,099 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1461% | 1,502 |
| Cost of funding earning assets | 2.1296% | 2,747 |
| Net interest margin | 4.0164% | 2,739 |
| Noninterest income to average assets | 0.9767% | 1,681 |
| Noninterest expense to average assets | 4.0150% | 1,258 |
| Loan and lease loss provision to assets | -0.1850% | 8,079 |
| Net operating income to assets | 0.8639% | 2,559 |
| Return on assets (ROA) | 0.8639% | 2,625 |
| Pretax return on assets | 0.8639% | 3,341 |
| Return on Equity (ROE) | 9.8482% | 1,977 |
| Retained earnings to average equity (ytd only) | 6.4214% | 1,752 |
| Net charge-offs to loans | -0.3655% | 8,006 |
| Credit loss provision to net charge-offs | 116.9591% | 4,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5369% | 2,122 |
| Assets per employee ($millions) | 2.0583% | 7,750 |
| Cash dividends to net income (ytd only)* | 34.7964% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 4,168 |
| Loan loss allowance to noncurrent loans | 217.6179% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 6,061 |
| Noncurrent loans to loans | 0.6241% | 6,054 |
| Net loans and leases to total assets | 42.9801% | 7,314 |
| Net loans and leases to deposits | 47.4102% | 7,523 |
| Net loans and leases to core deposits | 69.5253% | 6,993 |
| Total domestic deposits to total assets | 90.6559% | 533 |
| Equity capital to assets | 8.8447% | 5,719 |
| Core capital (leverage) ratio | 8.6732% | 5,176 |
| Tier 1 risk-based capital ratio | 15.3598% | 2,891 |
| Total risk-based capital ratio | 16.4232% | 2,907 |
| Memoranda: | ||
| Average total assets | $144,154,500 | 4,068 |
| Average earning assets | $133,415,000 | 4,046 |
| Average equity | $12,645,000 | 4,621 |
| Average total loans | $62,374,750 | 5,192 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1933% | 1,479 |
| Cost of funding earning assets | 2.2127% | 2,732 |
| Net interest margin | 3.9805% | 2,784 |
| Noninterest income to average assets | 0.9748% | 1,676 |
| Noninterest expense to average assets | 3.9578% | 1,385 |
| Loan and lease loss provision to assets | 0.8403% | 1,992 |
| Net operating income to assets | -0.1401% | 6,086 |
| Return on assets (ROA) | -0.1401% | 6,115 |
| Pretax return on assets | -0.1401% | 6,055 |
| Return on Equity (ROE) | -1.6012% | 6,163 |
| Retained earnings to average equity (ytd only) | -5.2039% | 6,334 |
| Net charge-offs to loans | 1.8916% | 995 |
| Credit loss provision to net charge-offs | 102.9160% | 4,450 |
| Earnings coverage of net charge-offs (x) | 0.8576% | 4,897 |
| Efficiency ratio | 84.9669% | 2,364 |
| Assets per employee ($millions) | 2.0582% | 7,812 |
| Cash dividends to net income (ytd only)* | -225.0000% | 8,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 3,096 |
| Loan loss allowance to noncurrent loans | 113.3742% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6393% | 5,820 |
| Noncurrent loans to loans | 1.3387% | 4,540 |
| Net loans and leases to total assets | 41.6170% | 7,472 |
| Net loans and leases to deposits | 45.6684% | 7,648 |
| Net loans and leases to core deposits | 64.2788% | 7,289 |
| Total domestic deposits to total assets | 91.1287% | 421 |
| Equity capital to assets | 8.3917% | 6,211 |
| Core capital (leverage) ratio | 8.0863% | 6,186 |
| Tier 1 risk-based capital ratio | 14.8924% | 3,069 |
| Total risk-based capital ratio | 16.0652% | 3,030 |
| Memoranda: | ||
| Average total assets | $142,805,670 | 4,118 |
| Average earning assets | $132,143,670 | 4,099 |
| Average equity | $12,490,670 | 4,683 |
| Average total loans | $61,641,670 | 5,263 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2628% | 1,404 |
| Cost of funding earning assets | 2.3307% | 2,572 |
| Net interest margin | 3.9321% | 2,918 |
| Noninterest income to average assets | 0.8947% | 1,875 |
| Noninterest expense to average assets | 4.0936% | 1,073 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4417% | 4,683 |
| Return on assets (ROA) | 0.4417% | 4,855 |
| Pretax return on assets | 0.4417% | 5,266 |
| Return on Equity (ROE) | 4.9484% | 4,490 |
| Retained earnings to average equity (ytd only) | 1.7965% | 4,848 |
| Net charge-offs to loans | 0.5417% | 2,098 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.8690% | 3,797 |
| Efficiency ratio | 90.2605% | 1,705 |
| Assets per employee ($millions) | 1.9895% | 7,909 |
| Cash dividends to net income (ytd only)* | 63.6943% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 3,851 |
| Loan loss allowance to noncurrent loans | 90.2412% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.8352% | 5,102 |
| Noncurrent loans to loans | 1.4851% | 4,069 |
| Net loans and leases to total assets | 41.7179% | 7,482 |
| Net loans and leases to deposits | 45.9053% | 7,667 |
| Net loans and leases to core deposits | 62.9195% | 7,356 |
| Total domestic deposits to total assets | 90.8782% | 454 |
| Equity capital to assets | 8.6921% | 5,780 |
| Core capital (leverage) ratio | 8.2704% | 5,960 |
| Tier 1 risk-based capital ratio | 15.2693% | 2,951 |
| Total risk-based capital ratio | 16.3064% | 2,981 |
| Memoranda: | ||
| Average total assets | $142,173,000 | 4,147 |
| Average earning assets | $131,634,000 | 4,114 |
| Average equity | $12,691,000 | 4,657 |
| Average total loans | $62,021,500 | 5,289 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9715% | 1,202 |
| Cost of funding earning assets | 2.8958% | 2,282 |
| Net interest margin | 4.0757% | 2,808 |
| Noninterest income to average assets | 0.9833% | 1,633 |
| Noninterest expense to average assets | 3.9209% | 1,529 |
| Loan and lease loss provision to assets | 0.1657% | 5,266 |
| Net operating income to assets | 0.6497% | 4,110 |
| Return on assets (ROA) | 0.6497% | 3,960 |
| Pretax return on assets | 0.6497% | 4,545 |
| Return on Equity (ROE) | 7.0661% | 3,495 |
| Retained earnings to average equity (ytd only) | -0.7451% | 5,526 |
| Net charge-offs to loans | 0.3179% | 3,267 |
| Credit loss provision to net charge-offs | 110.8374% | 4,868 |
| Earnings coverage of net charge-offs (x) | 5.4532% | 3,641 |
| Efficiency ratio | 82.7838% | 2,208 |
| Assets per employee ($millions) | 2.0458% | 7,873 |
| Cash dividends to net income (ytd only)* | 110.5442% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 2,935 |
| Loan loss allowance to noncurrent loans | 99.1257% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.7454% | 4,987 |
| Noncurrent loans to loans | 1.4609% | 3,608 |
| Net loans and leases to total assets | 44.3703% | 7,449 |
| Net loans and leases to deposits | 49.1144% | 7,666 |
| Net loans and leases to core deposits | 69.1167% | 7,240 |
| Total domestic deposits to total assets | 90.3408% | 538 |
| Equity capital to assets | 9.1711% | 5,125 |
| Core capital (leverage) ratio | 8.5222% | 5,533 |
| Tier 1 risk-based capital ratio | 15.0646% | 3,010 |
| Total risk-based capital ratio | 16.1974% | 2,984 |
| Memoranda: | ||
| Average total assets | $135,760,600 | 4,166 |
| Average earning assets | $125,009,800 | 4,154 |
| Average equity | $12,482,200 | 4,701 |
| Average total loans | $63,855,600 | 5,103 |