Home > Fidelity Bank > Performance and Condition Ratios
Fidelity Bank, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1751% | 3,983 |
| Cost of funding earning assets | 0.6014% | 3,641 |
| Net interest margin | 3.5737% | 3,355 |
| Noninterest income to average assets | 0.2615% | 4,188 |
| Noninterest expense to average assets | 1.5539% | 5,088 |
| Loan and lease loss provision to assets | 0.1500% | 1,221 |
| Net operating income to assets | 1.3176% | 1,708 |
| Return on assets (ROA) | 1.3176% | 1,767 |
| Pretax return on assets | 1.6498% | 1,394 |
| Return on Equity (ROE) | 7.2282% | 3,591 |
| Retained earnings to average equity (ytd only) | 7.2282% | 1,711 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9057% | 5,119 |
| Assets per employee ($millions) | 8.3531% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0994% | 5,234 |
| Loan loss allowance to noncurrent loans | 8.3992% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 1.1244% | 1,200 |
| Noncurrent loans to loans | 1.1835% | 1,358 |
| Net loans and leases to total assets | 75.0507% | 1,714 |
| Net loans and leases to deposits | 101.2916% | 588 |
| Net loans and leases to core deposits | 111.5275% | 885 |
| Total domestic deposits to total assets | 74.0938% | 4,827 |
| Equity capital to assets | 21.6441% | 186 |
| Core capital (leverage) ratio | 11.2272% | 2,396 |
| Tier 1 risk-based capital ratio | 14.0282% | 3,301 |
| Total risk-based capital ratio | 14.1310% | 3,803 |
| Memoranda: | ||
| Average total assets | $523,834,330 | 1,371 |
| Average earning assets | $453,259,670 | 1,460 |
| Average equity | $95,486,670 | 931 |
| Average total loans | $405,770,670 | 1,265 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9859% | 5,353 |
| Cost of funding earning assets | 0.2780% | 4,908 |
| Net interest margin | 1.7079% | 5,338 |
| Noninterest income to average assets | 0.1538% | 4,822 |
| Noninterest expense to average assets | 1.0187% | 5,316 |
| Loan and lease loss provision to assets | 0.0321% | 2,982 |
| Net operating income to assets | 0.4707% | 4,598 |
| Return on assets (ROA) | 0.4707% | 4,620 |
| Pretax return on assets | 0.6123% | 4,487 |
| Return on Equity (ROE) | 2.8512% | 4,816 |
| Retained earnings to average equity (ytd only) | 2.8512% | 3,794 |
| Net charge-offs to loans | 0.0049% | 2,531 |
| Credit loss provision to net charge-offs | 840.0000% | 431 |
| Earnings coverage of net charge-offs (x) | 168.4000% | 455 |
| Efficiency ratio | 56.0515% | 4,328 |
| Assets per employee ($millions) | 7.9852% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0091% | 5,310 |
| Loan loss allowance to noncurrent loans | 0.8447% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 1.1376% | 1,196 |
| Noncurrent loans to loans | 1.0741% | 1,552 |
| Net loans and leases to total assets | 75.0896% | 1,627 |
| Net loans and leases to deposits | 97.6232% | 827 |
| Net loans and leases to core deposits | 107.9462% | 1,053 |
| Total domestic deposits to total assets | 76.9178% | 4,661 |
| Equity capital to assets | 20.4482% | 223 |
| Core capital (leverage) ratio | 10.4722% | 3,078 |
| Tier 1 risk-based capital ratio | 12.7018% | 4,042 |
| Total risk-based capital ratio | 12.7110% | 4,661 |
| Memoranda: | ||
| Average total assets | $522,629,500 | 1,379 |
| Average earning assets | $461,852,500 | 1,444 |
| Average equity | $86,279,500 | 997 |
| Average total loans | $410,984,500 | 1,260 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4458% | 443 |
| Cost of funding earning assets | 0.6750% | 2,244 |
| Net interest margin | 4.7708% | 422 |
| Noninterest income to average assets | 0.3428% | 3,822 |
| Noninterest expense to average assets | 2.2006% | 4,334 |
| Loan and lease loss provision to assets | 0.1504% | 1,408 |
| Net operating income to assets | 1.9451% | 398 |
| Return on assets (ROA) | 1.9451% | 398 |
| Pretax return on assets | 2.4685% | 222 |
| Return on Equity (ROE) | 17.1054% | 481 |
| Retained earnings to average equity (ytd only) | 8.6824% | 989 |
| Net charge-offs to loans | 0.0190% | 3,066 |
| Credit loss provision to net charge-offs | 962.5000% | 384 |
| Earnings coverage of net charge-offs (x) | 167.6125% | 515 |
| Efficiency ratio | 44.9465% | 5,155 |
| Assets per employee ($millions) | 6.6969% | 1,115 |
| Cash dividends to net income (ytd only)* | 49.2419% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 2,198 |
| Loan loss allowance to noncurrent loans | 193.6280% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 2,246 |
| Noncurrent loans to loans | 0.6555% | 2,354 |
| Net loans and leases to total assets | 81.4197% | 747 |
| Net loans and leases to deposits | 98.1696% | 882 |
| Net loans and leases to core deposits | 105.1091% | 1,335 |
| Total domestic deposits to total assets | 82.9378% | 3,348 |
| Equity capital to assets | 12.2498% | 1,726 |
| Core capital (leverage) ratio | 11.8295% | 1,849 |
| Tier 1 risk-based capital ratio | 14.9695% | 2,843 |
| Total risk-based capital ratio | 16.2203% | 2,772 |
| Memoranda: | ||
| Average total assets | $512,001,800 | 1,374 |
| Average earning assets | $480,445,800 | 1,363 |
| Average equity | $58,221,400 | 1,353 |
| Average total loans | $421,302,400 | 1,202 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3578% | 465 |
| Cost of funding earning assets | 0.6455% | 2,175 |
| Net interest margin | 4.7123% | 459 |
| Noninterest income to average assets | 0.3413% | 3,862 |
| Noninterest expense to average assets | 2.1945% | 4,337 |
| Loan and lease loss provision to assets | 0.1451% | 1,369 |
| Net operating income to assets | 1.9109% | 473 |
| Return on assets (ROA) | 1.9109% | 472 |
| Pretax return on assets | 2.4256% | 265 |
| Return on Equity (ROE) | 17.1277% | 532 |
| Retained earnings to average equity (ytd only) | 6.4325% | 2,418 |
| Net charge-offs to loans | 0.0145% | 2,902 |
| Credit loss provision to net charge-offs | 1,217.3913% | 334 |
| Earnings coverage of net charge-offs (x) | 215.6367% | 418 |
| Efficiency ratio | 45.3334% | 5,175 |
| Assets per employee ($millions) | 6.7176% | 1,076 |
| Cash dividends to net income (ytd only)* | 62.4440% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 2,619 |
| Loan loss allowance to noncurrent loans | 164.1150% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 2,201 |
| Noncurrent loans to loans | 0.7316% | 2,247 |
| Net loans and leases to total assets | 80.8300% | 896 |
| Net loans and leases to deposits | 104.1342% | 539 |
| Net loans and leases to core deposits | 110.6082% | 996 |
| Total domestic deposits to total assets | 77.6210% | 4,545 |
| Equity capital to assets | 11.4560% | 2,297 |
| Core capital (leverage) ratio | 11.3668% | 2,275 |
| Tier 1 risk-based capital ratio | 13.9717% | 3,389 |
| Total risk-based capital ratio | 15.2123% | 3,301 |
| Memoranda: | ||
| Average total assets | $514,435,250 | 1,372 |
| Average earning assets | $482,951,500 | 1,364 |
| Average equity | $57,395,000 | 1,373 |
| Average total loans | $423,077,500 | 1,202 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3036% | 467 |
| Cost of funding earning assets | 0.5870% | 2,319 |
| Net interest margin | 4.7166% | 418 |
| Noninterest income to average assets | 0.2726% | 4,365 |
| Noninterest expense to average assets | 2.2103% | 4,347 |
| Loan and lease loss provision to assets | 0.1363% | 1,437 |
| Net operating income to assets | 1.8544% | 515 |
| Return on assets (ROA) | 1.8544% | 517 |
| Pretax return on assets | 2.3545% | 295 |
| Return on Equity (ROE) | 16.7717% | 551 |
| Retained earnings to average equity (ytd only) | 0.5531% | 4,847 |
| Net charge-offs to loans | -0.1418% | 5,257 |
| Credit loss provision to net charge-offs | -116.6667% | 4,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2883% | 5,199 |
| Assets per employee ($millions) | 6.5190% | 1,171 |
| Cash dividends to net income (ytd only)* | 96.7024% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 2,493 |
| Loan loss allowance to noncurrent loans | 248.0742% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 2,795 |
| Noncurrent loans to loans | 0.4995% | 2,921 |
| Net loans and leases to total assets | 80.7346% | 897 |
| Net loans and leases to deposits | 104.0050% | 528 |
| Net loans and leases to core deposits | 110.0671% | 994 |
| Total domestic deposits to total assets | 77.6256% | 4,648 |
| Equity capital to assets | 11.0000% | 2,641 |
| Core capital (leverage) ratio | 11.0572% | 2,474 |
| Tier 1 risk-based capital ratio | 13.4442% | 3,647 |
| Total risk-based capital ratio | 14.6946% | 3,564 |
| Memoranda: | ||
| Average total assets | $513,494,670 | 1,377 |
| Average earning assets | $482,128,330 | 1,370 |
| Average equity | $56,774,330 | 1,384 |
| Average total loans | $423,043,330 | 1,206 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2872% | 412 |
| Cost of funding earning assets | 0.5807% | 2,166 |
| Net interest margin | 4.7065% | 401 |
| Noninterest income to average assets | 0.2793% | 4,306 |
| Noninterest expense to average assets | 2.1758% | 4,477 |
| Loan and lease loss provision to assets | 0.1638% | 1,095 |
| Net operating income to assets | 1.8660% | 493 |
| Return on assets (ROA) | 1.8660% | 496 |
| Pretax return on assets | 2.3591% | 287 |
| Return on Equity (ROE) | 16.8343% | 526 |
| Retained earnings to average equity (ytd only) | 4.0537% | 3,577 |
| Net charge-offs to loans | 0.0358% | 1,805 |
| Credit loss provision to net charge-offs | 552.6316% | 547 |
| Earnings coverage of net charge-offs (x) | 85.1053% | 677 |
| Efficiency ratio | 45.5753% | 5,297 |
| Assets per employee ($millions) | 6.3886% | 1,260 |
| Cash dividends to net income (ytd only)* | 75.9197% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 3,159 |
| Loan loss allowance to noncurrent loans | 263.7173% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 2,980 |
| Noncurrent loans to loans | 0.4317% | 3,241 |
| Net loans and leases to total assets | 80.5154% | 866 |
| Net loans and leases to deposits | 101.5788% | 607 |
| Net loans and leases to core deposits | 108.1340% | 1,113 |
| Total domestic deposits to total assets | 79.2640% | 4,536 |
| Equity capital to assets | 11.1703% | 2,408 |
| Core capital (leverage) ratio | 11.0466% | 2,389 |
| Tier 1 risk-based capital ratio | 13.6204% | 3,589 |
| Total risk-based capital ratio | 14.7953% | 3,544 |
| Memoranda: | ||
| Average total assets | $512,742,000 | 1,390 |
| Average earning assets | $481,463,000 | 1,377 |
| Average equity | $56,836,500 | 1,393 |
| Average total loans | $424,065,000 | 1,206 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3659% | 327 |
| Cost of funding earning assets | 0.5167% | 2,200 |
| Net interest margin | 4.8492% | 311 |
| Noninterest income to average assets | 0.3000% | 4,309 |
| Noninterest expense to average assets | 2.2915% | 4,355 |
| Loan and lease loss provision to assets | 0.1687% | 1,304 |
| Net operating income to assets | 1.4058% | 1,005 |
| Return on assets (ROA) | 1.4058% | 1,022 |
| Pretax return on assets | 2.3624% | 234 |
| Return on Equity (ROE) | 13.2445% | 896 |
| Retained earnings to average equity (ytd only) | 11.3527% | 217 |
| Net charge-offs to loans | 0.3041% | 850 |
| Credit loss provision to net charge-offs | 65.5738% | 3,158 |
| Earnings coverage of net charge-offs (x) | 9.8400% | 2,743 |
| Efficiency ratio | 46.7835% | 5,369 |
| Assets per employee ($millions) | 6.5114% | 1,203 |
| Cash dividends to net income (ytd only)* | 14.2837% | 3,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 3,576 |
| Loan loss allowance to noncurrent loans | 199.6939% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.5692% | 2,642 |
| Noncurrent loans to loans | 0.5295% | 2,921 |
| Net loans and leases to total assets | 83.0721% | 550 |
| Net loans and leases to deposits | 107.0103% | 356 |
| Net loans and leases to core deposits | 113.3237% | 828 |
| Total domestic deposits to total assets | 77.6300% | 4,771 |
| Equity capital to assets | 10.9998% | 2,623 |
| Core capital (leverage) ratio | 10.7368% | 2,604 |
| Tier 1 risk-based capital ratio | 13.0040% | 3,901 |
| Total risk-based capital ratio | 14.0931% | 3,900 |
| Memoranda: | ||
| Average total assets | $498,018,600 | 1,410 |
| Average earning assets | $464,469,600 | 1,401 |
| Average equity | $52,859,600 | 1,455 |
| Average total loans | $421,293,600 | 1,182 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3329% | 325 |
| Cost of funding earning assets | 0.4990% | 2,271 |
| Net interest margin | 4.8339% | 313 |
| Noninterest income to average assets | 0.3180% | 4,266 |
| Noninterest expense to average assets | 2.2840% | 4,344 |
| Loan and lease loss provision to assets | 0.1701% | 1,186 |
| Net operating income to assets | 1.5516% | 802 |
| Return on assets (ROA) | 1.5516% | 821 |
| Pretax return on assets | 2.3666% | 269 |
| Return on Equity (ROE) | 14.7583% | 686 |
| Retained earnings to average equity (ytd only) | 12.7043% | 243 |
| Net charge-offs to loans | 0.1325% | 1,468 |
| Credit loss provision to net charge-offs | 151.4423% | 1,680 |
| Earnings coverage of net charge-offs (x) | 22.5891% | 1,853 |
| Efficiency ratio | 46.6402% | 5,398 |
| Assets per employee ($millions) | 6.5346% | 1,162 |
| Cash dividends to net income (ytd only)* | 13.9179% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 3,033 |
| Loan loss allowance to noncurrent loans | 197.6533% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.7059% | 2,391 |
| Noncurrent loans to loans | 0.5978% | 2,919 |
| Net loans and leases to total assets | 84.5968% | 379 |
| Net loans and leases to deposits | 111.3376% | 239 |
| Net loans and leases to core deposits | 115.0049% | 786 |
| Total domestic deposits to total assets | 75.9823% | 5,017 |
| Equity capital to assets | 10.7756% | 3,089 |
| Core capital (leverage) ratio | 10.6933% | 2,776 |
| Tier 1 risk-based capital ratio | 12.4909% | 4,320 |
| Total risk-based capital ratio | 13.7115% | 4,253 |
| Memoranda: | ||
| Average total assets | $493,923,750 | 1,428 |
| Average earning assets | $460,075,500 | 1,424 |
| Average equity | $51,928,750 | 1,492 |
| Average total loans | $418,645,000 | 1,197 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2646% | 353 |
| Cost of funding earning assets | 0.4622% | 2,482 |
| Net interest margin | 4.8024% | 325 |
| Noninterest income to average assets | 0.3297% | 4,185 |
| Noninterest expense to average assets | 2.3240% | 4,280 |
| Loan and lease loss provision to assets | 0.1727% | 1,115 |
| Net operating income to assets | 1.5080% | 848 |
| Return on assets (ROA) | 1.5080% | 875 |
| Pretax return on assets | 2.3010% | 297 |
| Return on Equity (ROE) | 14.4706% | 739 |
| Retained earnings to average equity (ytd only) | 12.3008% | 294 |
| Net charge-offs to loans | 0.1066% | 1,563 |
| Credit loss provision to net charge-offs | 191.7808% | 1,311 |
| Earnings coverage of net charge-offs (x) | 27.4749% | 1,539 |
| Efficiency ratio | 47.6864% | 5,407 |
| Assets per employee ($millions) | 6.3565% | 1,225 |
| Cash dividends to net income (ytd only)* | 14.9945% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 2,746 |
| Loan loss allowance to noncurrent loans | 229.9338% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.7067% | 2,448 |
| Noncurrent loans to loans | 0.5400% | 3,132 |
| Net loans and leases to total assets | 82.4836% | 604 |
| Net loans and leases to deposits | 111.3901% | 236 |
| Net loans and leases to core deposits | 114.8548% | 758 |
| Total domestic deposits to total assets | 74.0493% | 5,287 |
| Equity capital to assets | 10.4123% | 3,447 |
| Core capital (leverage) ratio | 10.0989% | 3,408 |
| Tier 1 risk-based capital ratio | 12.3176% | 4,409 |
| Total risk-based capital ratio | 13.5679% | 4,308 |
| Memoranda: | ||
| Average total assets | $486,487,670 | 1,453 |
| Average earning assets | $452,608,670 | 1,444 |
| Average equity | $50,696,000 | 1,524 |
| Average total loans | $410,880,670 | 1,222 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2347% | 361 |
| Cost of funding earning assets | 0.3729% | 3,277 |
| Net interest margin | 4.8617% | 281 |
| Noninterest income to average assets | 0.3443% | 4,090 |
| Noninterest expense to average assets | 2.2998% | 4,407 |
| Loan and lease loss provision to assets | 0.1755% | 1,004 |
| Net operating income to assets | 1.5686% | 719 |
| Return on assets (ROA) | 1.5686% | 739 |
| Pretax return on assets | 2.3901% | 261 |
| Return on Equity (ROE) | 15.0459% | 635 |
| Retained earnings to average equity (ytd only) | 13.0420% | 375 |
| Net charge-offs to loans | 0.2066% | 844 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 14.6190% | 1,715 |
| Efficiency ratio | 46.5132% | 5,510 |
| Assets per employee ($millions) | 6.5392% | 1,167 |
| Cash dividends to net income (ytd only)* | 13.3191% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 2,997 |
| Loan loss allowance to noncurrent loans | 184.7289% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.7595% | 2,401 |
| Noncurrent loans to loans | 0.6614% | 2,847 |
| Net loans and leases to total assets | 83.6767% | 404 |
| Net loans and leases to deposits | 112.5885% | 165 |
| Net loans and leases to core deposits | 115.2969% | 622 |
| Total domestic deposits to total assets | 74.3208% | 5,390 |
| Equity capital to assets | 10.4834% | 3,202 |
| Core capital (leverage) ratio | 10.1204% | 3,350 |
| Tier 1 risk-based capital ratio | 12.2348% | 4,557 |
| Total risk-based capital ratio | 13.4849% | 4,458 |
| Memoranda: | ||
| Average total assets | $478,649,500 | 1,477 |
| Average earning assets | $445,108,500 | 1,467 |
| Average equity | $49,900,500 | 1,540 |
| Average total loans | $406,615,500 | 1,233 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1380% | 466 |
| Cost of funding earning assets | 0.2315% | 4,723 |
| Net interest margin | 4.9065% | 290 |
| Noninterest income to average assets | 0.3781% | 4,047 |
| Noninterest expense to average assets | 2.4261% | 4,222 |
| Loan and lease loss provision to assets | 0.1918% | 1,220 |
| Net operating income to assets | 1.5649% | 735 |
| Return on assets (ROA) | 1.5649% | 762 |
| Pretax return on assets | 2.3289% | 260 |
| Return on Equity (ROE) | 14.7225% | 665 |
| Retained earnings to average equity (ytd only) | 10.8690% | 320 |
| Net charge-offs to loans | 0.0939% | 2,373 |
| Credit loss provision to net charge-offs | 244.8980% | 1,182 |
| Earnings coverage of net charge-offs (x) | 32.1866% | 1,368 |
| Efficiency ratio | 48.2323% | 5,569 |
| Assets per employee ($millions) | 6.3973% | 1,205 |
| Cash dividends to net income (ytd only)* | 26.1745% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 2,867 |
| Loan loss allowance to noncurrent loans | 151.3906% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.8756% | 2,157 |
| Noncurrent loans to loans | 0.8202% | 2,469 |
| Net loans and leases to total assets | 84.1369% | 375 |
| Net loans and leases to deposits | 114.9699% | 142 |
| Net loans and leases to core deposits | 117.2468% | 569 |
| Total domestic deposits to total assets | 73.1817% | 5,490 |
| Equity capital to assets | 10.3658% | 3,311 |
| Core capital (leverage) ratio | 10.1701% | 3,268 |
| Tier 1 risk-based capital ratio | 12.0143% | 4,719 |
| Total risk-based capital ratio | 13.2645% | 4,602 |
| Memoranda: | ||
| Average total assets | $437,981,000 | 1,551 |
| Average earning assets | $407,822,600 | 1,541 |
| Average equity | $46,554,600 | 1,624 |
| Average total loans | $365,361,000 | 1,290 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1426% | 462 |
| Cost of funding earning assets | 0.2105% | 4,972 |
| Net interest margin | 4.9321% | 289 |
| Noninterest income to average assets | 0.3850% | 4,027 |
| Noninterest expense to average assets | 2.4132% | 4,246 |
| Loan and lease loss provision to assets | 0.1957% | 1,099 |
| Net operating income to assets | 1.5855% | 751 |
| Return on assets (ROA) | 1.5855% | 793 |
| Pretax return on assets | 2.3691% | 271 |
| Return on Equity (ROE) | 14.8150% | 692 |
| Retained earnings to average equity (ytd only) | 11.0467% | 424 |
| Net charge-offs to loans | 0.0465% | 2,715 |
| Credit loss provision to net charge-offs | 508.0645% | 694 |
| Earnings coverage of net charge-offs (x) | 66.5722% | 889 |
| Efficiency ratio | 47.6532% | 5,605 |
| Assets per employee ($millions) | 6.3083% | 1,226 |
| Cash dividends to net income (ytd only)* | 25.4360% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 2,619 |
| Loan loss allowance to noncurrent loans | 134.7569% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.9403% | 2,213 |
| Noncurrent loans to loans | 0.9739% | 2,294 |
| Net loans and leases to total assets | 83.0612% | 505 |
| Net loans and leases to deposits | 111.4080% | 234 |
| Net loans and leases to core deposits | 113.7743% | 732 |
| Total domestic deposits to total assets | 74.5559% | 5,378 |
| Equity capital to assets | 10.5641% | 3,495 |
| Core capital (leverage) ratio | 10.4399% | 3,056 |
| Tier 1 risk-based capital ratio | 12.3007% | 4,610 |
| Total risk-based capital ratio | 13.5517% | 4,511 |
| Memoranda: | ||
| Average total assets | $429,126,000 | 1,581 |
| Average earning assets | $399,633,250 | 1,572 |
| Average equity | $45,925,250 | 1,652 |
| Average total loans | $355,873,000 | 1,319 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1242% | 475 |
| Cost of funding earning assets | 0.1812% | 5,306 |
| Net interest margin | 4.9430% | 291 |
| Noninterest income to average assets | 0.3760% | 4,057 |
| Noninterest expense to average assets | 2.4821% | 4,078 |
| Loan and lease loss provision to assets | 0.1996% | 1,078 |
| Net operating income to assets | 1.5400% | 829 |
| Return on assets (ROA) | 1.5400% | 873 |
| Pretax return on assets | 2.2972% | 306 |
| Return on Equity (ROE) | 14.3237% | 782 |
| Retained earnings to average equity (ytd only) | 8.5854% | 980 |
| Net charge-offs to loans | 0.0294% | 2,887 |
| Credit loss provision to net charge-offs | 823.5294% | 439 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 560 |
| Efficiency ratio | 49.0119% | 5,619 |
| Assets per employee ($millions) | 6.1100% | 1,327 |
| Cash dividends to net income (ytd only)* | 40.0617% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 2,459 |
| Loan loss allowance to noncurrent loans | 183.3208% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.7415% | 2,756 |
| Noncurrent loans to loans | 0.7457% | 2,875 |
| Net loans and leases to total assets | 80.0404% | 890 |
| Net loans and leases to deposits | 103.1567% | 500 |
| Net loans and leases to core deposits | 105.6955% | 1,201 |
| Total domestic deposits to total assets | 77.5911% | 5,068 |
| Equity capital to assets | 10.4801% | 3,658 |
| Core capital (leverage) ratio | 10.2366% | 3,285 |
| Tier 1 risk-based capital ratio | 12.5621% | 4,471 |
| Total risk-based capital ratio | 13.8137% | 4,385 |
| Memoranda: | ||
| Average total assets | $420,768,330 | 1,614 |
| Average earning assets | $391,828,670 | 1,602 |
| Average equity | $45,239,670 | 1,672 |
| Average total loans | $347,070,670 | 1,348 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1114% | 485 |
| Cost of funding earning assets | 0.1430% | 5,656 |
| Net interest margin | 4.9684% | 267 |
| Noninterest income to average assets | 0.4066% | 3,775 |
| Noninterest expense to average assets | 2.5497% | 3,910 |
| Loan and lease loss provision to assets | 0.2043% | 963 |
| Net operating income to assets | 1.5292% | 808 |
| Return on assets (ROA) | 1.5292% | 852 |
| Pretax return on assets | 2.2821% | 325 |
| Return on Equity (ROE) | 14.0334% | 827 |
| Retained earnings to average equity (ytd only) | 14.0334% | 317 |
| Net charge-offs to loans | 0.0117% | 2,736 |
| Credit loss provision to net charge-offs | 2,100.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 255.6000% | 236 |
| Efficiency ratio | 49.7779% | 5,643 |
| Assets per employee ($millions) | 6.0176% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 2,762 |
| Loan loss allowance to noncurrent loans | 186.7222% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7223% | 2,906 |
| Noncurrent loans to loans | 0.7122% | 3,059 |
| Net loans and leases to total assets | 81.8145% | 584 |
| Net loans and leases to deposits | 102.8430% | 474 |
| Net loans and leases to core deposits | 105.4681% | 1,111 |
| Total domestic deposits to total assets | 79.5529% | 4,847 |
| Equity capital to assets | 10.6560% | 3,304 |
| Core capital (leverage) ratio | 10.6005% | 2,847 |
| Tier 1 risk-based capital ratio | 12.5234% | 4,560 |
| Total risk-based capital ratio | 13.7746% | 4,472 |
| Memoranda: | ||
| Average total assets | $411,193,500 | 1,642 |
| Average earning assets | $383,140,500 | 1,634 |
| Average equity | $44,807,500 | 1,684 |
| Average total loans | $342,110,000 | 1,358 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8991% | 768 |
| Cost of funding earning assets | 0.1476% | 5,700 |
| Net interest margin | 4.7515% | 415 |
| Noninterest income to average assets | 0.5206% | 3,196 |
| Noninterest expense to average assets | 2.5873% | 3,967 |
| Loan and lease loss provision to assets | 0.2200% | 932 |
| Net operating income to assets | 1.4610% | 931 |
| Return on assets (ROA) | 1.4610% | 962 |
| Pretax return on assets | 2.1382% | 395 |
| Return on Equity (ROE) | 13.4966% | 950 |
| Retained earnings to average equity (ytd only) | 11.2855% | 314 |
| Net charge-offs to loans | -0.0294% | 5,394 |
| Credit loss provision to net charge-offs | -965.5172% | 5,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3847% | 5,674 |
| Assets per employee ($millions) | 5.6448% | 1,659 |
| Cash dividends to net income (ytd only)* | 16.3829% | 3,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 2,572 |
| Loan loss allowance to noncurrent loans | 321.2963% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.4978% | 3,642 |
| Noncurrent loans to loans | 0.4255% | 3,932 |
| Net loans and leases to total assets | 82.3627% | 560 |
| Net loans and leases to deposits | 93.2846% | 1,277 |
| Net loans and leases to core deposits | 95.5597% | 1,891 |
| Total domestic deposits to total assets | 88.2918% | 1,481 |
| Equity capital to assets | 11.1575% | 2,672 |
| Core capital (leverage) ratio | 10.6881% | 2,719 |
| Tier 1 risk-based capital ratio | 13.1702% | 4,191 |
| Total risk-based capital ratio | 14.4220% | 4,117 |
| Memoranda: | ||
| Average total assets | $381,862,400 | 1,721 |
| Average earning assets | $355,613,000 | 1,702 |
| Average equity | $41,336,200 | 1,748 |
| Average total loans | $296,040,600 | 1,480 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8272% | 889 |
| Cost of funding earning assets | 0.1540% | 5,749 |
| Net interest margin | 4.6732% | 474 |
| Noninterest income to average assets | 0.5540% | 3,027 |
| Noninterest expense to average assets | 2.4870% | 4,238 |
| Loan and lease loss provision to assets | 0.2219% | 841 |
| Net operating income to assets | 1.4328% | 1,042 |
| Return on assets (ROA) | 1.4328% | 1,091 |
| Pretax return on assets | 2.1964% | 417 |
| Return on Equity (ROE) | 13.3433% | 1,049 |
| Retained earnings to average equity (ytd only) | 10.3454% | 580 |
| Net charge-offs to loans | -0.0408% | 5,474 |
| Credit loss provision to net charge-offs | -715.9091% | 5,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7523% | 5,792 |
| Assets per employee ($millions) | 5.6965% | 1,595 |
| Cash dividends to net income (ytd only)* | 22.4681% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 2,777 |
| Loan loss allowance to noncurrent loans | 285.0895% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.5272% | 3,734 |
| Noncurrent loans to loans | 0.4779% | 3,930 |
| Net loans and leases to total assets | 79.2386% | 919 |
| Net loans and leases to deposits | 89.3401% | 1,734 |
| Net loans and leases to core deposits | 91.5868% | 2,308 |
| Total domestic deposits to total assets | 88.6932% | 1,180 |
| Equity capital to assets | 10.7794% | 3,263 |
| Core capital (leverage) ratio | 10.4952% | 3,051 |
| Tier 1 risk-based capital ratio | 13.3257% | 4,236 |
| Total risk-based capital ratio | 14.5776% | 4,159 |
| Memoranda: | ||
| Average total assets | $378,544,500 | 1,746 |
| Average earning assets | $352,468,250 | 1,726 |
| Average equity | $40,648,500 | 1,791 |
| Average total loans | $287,562,250 | 1,521 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7115% | 1,051 |
| Cost of funding earning assets | 0.1649% | 5,740 |
| Net interest margin | 4.5466% | 579 |
| Noninterest income to average assets | 0.5090% | 3,317 |
| Noninterest expense to average assets | 2.5030% | 4,232 |
| Loan and lease loss provision to assets | 0.2248% | 842 |
| Net operating income to assets | 1.3123% | 1,284 |
| Return on assets (ROA) | 1.3123% | 1,340 |
| Pretax return on assets | 2.0155% | 580 |
| Return on Equity (ROE) | 12.2371% | 1,303 |
| Retained earnings to average equity (ytd only) | 9.1878% | 865 |
| Net charge-offs to loans | -0.0424% | 5,478 |
| Credit loss provision to net charge-offs | -711.8644% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7771% | 5,733 |
| Assets per employee ($millions) | 5.2777% | 1,952 |
| Cash dividends to net income (ytd only)* | 24.9184% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 2,557 |
| Loan loss allowance to noncurrent loans | 306.4103% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.5687% | 3,708 |
| Noncurrent loans to loans | 0.4703% | 4,066 |
| Net loans and leases to total assets | 75.2163% | 1,477 |
| Net loans and leases to deposits | 85.0837% | 2,171 |
| Net loans and leases to core deposits | 87.6225% | 2,588 |
| Total domestic deposits to total assets | 88.4027% | 1,438 |
| Equity capital to assets | 11.0987% | 2,782 |
| Core capital (leverage) ratio | 10.4263% | 3,054 |
| Tier 1 risk-based capital ratio | 14.4884% | 3,646 |
| Total risk-based capital ratio | 15.7412% | 3,568 |
| Memoranda: | ||
| Average total assets | $373,707,330 | 1,781 |
| Average earning assets | $348,040,330 | 1,761 |
| Average equity | $40,075,000 | 1,819 |
| Average total loans | $278,165,000 | 1,572 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6302% | 1,164 |
| Cost of funding earning assets | 0.1679% | 5,791 |
| Net interest margin | 4.4623% | 647 |
| Noninterest income to average assets | 0.5183% | 3,164 |
| Noninterest expense to average assets | 2.4574% | 4,418 |
| Loan and lease loss provision to assets | 0.2235% | 786 |
| Net operating income to assets | 1.2857% | 1,321 |
| Return on assets (ROA) | 1.2857% | 1,406 |
| Pretax return on assets | 1.9955% | 591 |
| Return on Equity (ROE) | 12.1986% | 1,293 |
| Retained earnings to average equity (ytd only) | 9.1086% | 1,159 |
| Net charge-offs to loans | 0.1071% | 1,668 |
| Credit loss provision to net charge-offs | 283.7838% | 845 |
| Earnings coverage of net charge-offs (x) | 28.1757% | 1,186 |
| Efficiency ratio | 51.5476% | 5,839 |
| Assets per employee ($millions) | 5.3892% | 1,900 |
| Cash dividends to net income (ytd only)* | 25.3311% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 3,235 |
| Loan loss allowance to noncurrent loans | 210.0508% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.6400% | 3,577 |
| Noncurrent loans to loans | 0.6344% | 3,688 |
| Net loans and leases to total assets | 74.0690% | 1,488 |
| Net loans and leases to deposits | 83.5282% | 2,141 |
| Net loans and leases to core deposits | 86.7909% | 2,461 |
| Total domestic deposits to total assets | 88.6755% | 1,463 |
| Equity capital to assets | 10.7805% | 3,215 |
| Core capital (leverage) ratio | 10.2021% | 3,339 |
| Tier 1 risk-based capital ratio | 14.2687% | 3,843 |
| Total risk-based capital ratio | 15.5201% | 3,771 |
| Memoranda: | ||
| Average total assets | $375,840,500 | 1,776 |
| Average earning assets | $350,219,500 | 1,756 |
| Average equity | $39,611,000 | 1,851 |
| Average total loans | $276,276,000 | 1,581 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5703% | 1,635 |
| Cost of funding earning assets | 0.1776% | 5,924 |
| Net interest margin | 4.3927% | 897 |
| Noninterest income to average assets | 0.5929% | 2,899 |
| Noninterest expense to average assets | 2.7242% | 3,772 |
| Loan and lease loss provision to assets | 0.2291% | 1,063 |
| Net operating income to assets | 1.1732% | 1,663 |
| Return on assets (ROA) | 1.1732% | 1,737 |
| Pretax return on assets | 1.6996% | 987 |
| Return on Equity (ROE) | 11.5477% | 1,540 |
| Retained earnings to average equity (ytd only) | 8.6836% | 778 |
| Net charge-offs to loans | 0.1959% | 2,095 |
| Credit loss provision to net charge-offs | 166.6667% | 1,463 |
| Earnings coverage of net charge-offs (x) | 14.0317% | 2,207 |
| Efficiency ratio | 57.5171% | 5,514 |
| Assets per employee ($millions) | 5.3496% | 1,904 |
| Cash dividends to net income (ytd only)* | 24.8024% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 3,360 |
| Loan loss allowance to noncurrent loans | 174.1497% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.6279% | 3,697 |
| Noncurrent loans to loans | 0.7527% | 3,444 |
| Net loans and leases to total assets | 71.0375% | 2,068 |
| Net loans and leases to deposits | 79.6847% | 2,762 |
| Net loans and leases to core deposits | 83.0792% | 2,984 |
| Total domestic deposits to total assets | 89.1482% | 1,150 |
| Equity capital to assets | 10.3032% | 3,715 |
| Core capital (leverage) ratio | 9.7167% | 3,946 |
| Tier 1 risk-based capital ratio | 13.4234% | 4,455 |
| Total risk-based capital ratio | 14.6742% | 4,395 |
| Memoranda: | ||
| Average total assets | $366,675,400 | 1,771 |
| Average earning assets | $338,905,000 | 1,765 |
| Average equity | $37,254,200 | 1,888 |
| Average total loans | $257,285,200 | 1,651 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4919% | 1,901 |
| Cost of funding earning assets | 0.1798% | 5,993 |
| Net interest margin | 4.3122% | 1,027 |
| Noninterest income to average assets | 0.6557% | 2,549 |
| Noninterest expense to average assets | 2.7863% | 3,516 |
| Loan and lease loss provision to assets | 0.2312% | 956 |
| Net operating income to assets | 1.0919% | 2,064 |
| Return on assets (ROA) | 1.0919% | 2,132 |
| Pretax return on assets | 1.6166% | 1,273 |
| Return on Equity (ROE) | 10.7870% | 1,877 |
| Retained earnings to average equity (ytd only) | 7.3689% | 1,638 |
| Net charge-offs to loans | 0.2364% | 1,634 |
| Credit loss provision to net charge-offs | 140.3118% | 1,676 |
| Earnings coverage of net charge-offs (x) | 11.2161% | 2,449 |
| Efficiency ratio | 59.0816% | 5,303 |
| Assets per employee ($millions) | 5.3832% | 1,830 |
| Cash dividends to net income (ytd only)* | 31.6868% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 3,481 |
| Loan loss allowance to noncurrent loans | 198.4375% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.5403% | 4,250 |
| Noncurrent loans to loans | 0.6722% | 3,927 |
| Net loans and leases to total assets | 68.2808% | 2,484 |
| Net loans and leases to deposits | 76.4423% | 3,133 |
| Net loans and leases to core deposits | 80.0263% | 3,311 |
| Total domestic deposits to total assets | 89.3234% | 1,063 |
| Equity capital to assets | 10.2135% | 3,915 |
| Core capital (leverage) ratio | 9.5720% | 4,279 |
| Tier 1 risk-based capital ratio | 13.7046% | 4,413 |
| Total risk-based capital ratio | 14.9556% | 4,350 |
| Memoranda: | ||
| Average total assets | $363,388,000 | 1,804 |
| Average earning assets | $335,260,500 | 1,801 |
| Average equity | $36,784,250 | 1,919 |
| Average total loans | $253,256,000 | 1,680 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5627% | 1,637 |
| Cost of funding earning assets | 0.1796% | 6,073 |
| Net interest margin | 4.3831% | 876 |
| Noninterest income to average assets | 0.4536% | 3,844 |
| Noninterest expense to average assets | 2.8710% | 3,262 |
| Loan and lease loss provision to assets | 0.2329% | 976 |
| Net operating income to assets | 0.9265% | 2,672 |
| Return on assets (ROA) | 0.9265% | 2,779 |
| Pretax return on assets | 1.3690% | 2,006 |
| Return on Equity (ROE) | 9.1813% | 2,514 |
| Retained earnings to average equity (ytd only) | 5.7198% | 2,499 |
| Net charge-offs to loans | 0.2579% | 1,520 |
| Credit loss provision to net charge-offs | 129.2308% | 1,614 |
| Earnings coverage of net charge-offs (x) | 8.8892% | 2,432 |
| Efficiency ratio | 63.0966% | 4,841 |
| Assets per employee ($millions) | 5.2286% | 1,939 |
| Cash dividends to net income (ytd only)* | 37.7020% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 3,609 |
| Loan loss allowance to noncurrent loans | 162.0456% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 1.1183% | 2,843 |
| Noncurrent loans to loans | 0.8304% | 3,622 |
| Net loans and leases to total assets | 66.9649% | 2,589 |
| Net loans and leases to deposits | 74.8140% | 3,220 |
| Net loans and leases to core deposits | 78.2985% | 3,403 |
| Total domestic deposits to total assets | 89.5085% | 1,086 |
| Equity capital to assets | 10.0969% | 3,974 |
| Core capital (leverage) ratio | 9.5515% | 4,249 |
| Tier 1 risk-based capital ratio | 13.4111% | 4,643 |
| Total risk-based capital ratio | 14.6622% | 4,589 |
| Memoranda: | ||
| Average total assets | $360,704,670 | 1,814 |
| Average earning assets | $330,768,000 | 1,823 |
| Average equity | $36,400,000 | 1,925 |
| Average total loans | $251,991,330 | 1,685 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7447% | 1,153 |
| Cost of funding earning assets | 0.2355% | 5,706 |
| Net interest margin | 4.5091% | 647 |
| Noninterest income to average assets | 0.4417% | 3,854 |
| Noninterest expense to average assets | 2.4668% | 4,732 |
| Loan and lease loss provision to assets | 0.2349% | 943 |
| Net operating income to assets | 1.2827% | 1,259 |
| Return on assets (ROA) | 1.2827% | 1,306 |
| Pretax return on assets | 1.9076% | 639 |
| Return on Equity (ROE) | 14.6172% | 838 |
| Retained earnings to average equity (ytd only) | 14.6172% | 351 |
| Net charge-offs to loans | -0.0040% | 4,780 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5168% | 6,051 |
| Assets per employee ($millions) | 6.2084% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7078% | 2,325 |
| Loan loss allowance to noncurrent loans | 157.6263% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 1.5348% | 2,304 |
| Noncurrent loans to loans | 1.0834% | 3,253 |
| Net loans and leases to total assets | 75.0480% | 1,119 |
| Net loans and leases to deposits | 82.6959% | 1,980 |
| Net loans and leases to core deposits | 87.2887% | 2,166 |
| Total domestic deposits to total assets | 90.7518% | 668 |
| Equity capital to assets | 8.7566% | 5,384 |
| Core capital (leverage) ratio | 9.3483% | 4,505 |
| Tier 1 risk-based capital ratio | 11.2780% | 6,031 |
| Total risk-based capital ratio | 12.5334% | 5,977 |
| Memoranda: | ||
| Average total assets | $255,394,000 | 2,500 |
| Average earning assets | $236,053,500 | 2,488 |
| Average equity | $22,412,000 | 2,900 |
| Average total loans | $200,416,000 | 2,048 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 1,752 |
| Cost of funding earning assets | 0.3481% | 5,158 |
| Net interest margin | 4.2886% | 1,139 |
| Noninterest income to average assets | 0.4246% | 4,270 |
| Noninterest expense to average assets | 2.3265% | 5,300 |
| Loan and lease loss provision to assets | 0.2552% | 1,411 |
| Net operating income to assets | 1.2204% | 1,490 |
| Return on assets (ROA) | 1.2204% | 1,555 |
| Pretax return on assets | 1.8117% | 739 |
| Return on Equity (ROE) | 12.0475% | 1,405 |
| Retained earnings to average equity (ytd only) | -12.3545% | 6,576 |
| Net charge-offs to loans | 0.3737% | 1,807 |
| Credit loss provision to net charge-offs | 91.9540% | 2,705 |
| Earnings coverage of net charge-offs (x) | 7.4483% | 2,843 |
| Efficiency ratio | 52.9540% | 6,214 |
| Assets per employee ($millions) | 5.9532% | 1,298 |
| Cash dividends to net income (ytd only)* | 202.5482% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 2,718 |
| Loan loss allowance to noncurrent loans | 230.8458% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 1.3006% | 2,815 |
| Noncurrent loans to loans | 0.6974% | 4,235 |
| Net loans and leases to total assets | 79.3865% | 660 |
| Net loans and leases to deposits | 87.4646% | 1,524 |
| Net loans and leases to core deposits | 95.9877% | 1,460 |
| Total domestic deposits to total assets | 90.7641% | 674 |
| Equity capital to assets | 8.7952% | 5,263 |
| Core capital (leverage) ratio | 8.5688% | 5,583 |
| Tier 1 risk-based capital ratio | 10.4626% | 6,376 |
| Total risk-based capital ratio | 11.7161% | 6,331 |
| Memoranda: | ||
| Average total assets | $250,811,200 | 2,525 |
| Average earning assets | $232,104,400 | 2,497 |
| Average equity | $25,407,800 | 2,595 |
| Average total loans | $186,241,800 | 2,143 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5540% | 2,024 |
| Cost of funding earning assets | 0.3821% | 4,977 |
| Net interest margin | 4.1719% | 1,417 |
| Noninterest income to average assets | 0.4186% | 4,381 |
| Noninterest expense to average assets | 2.2788% | 5,410 |
| Loan and lease loss provision to assets | 0.1965% | 1,857 |
| Net operating income to assets | 1.2164% | 1,580 |
| Return on assets (ROA) | 1.2164% | 1,651 |
| Pretax return on assets | 1.8060% | 893 |
| Return on Equity (ROE) | 11.6262% | 1,610 |
| Retained earnings to average equity (ytd only) | 11.6262% | 481 |
| Net charge-offs to loans | 0.4767% | 1,350 |
| Credit loss provision to net charge-offs | 56.7485% | 3,361 |
| Earnings coverage of net charge-offs (x) | 5.7822% | 3,105 |
| Efficiency ratio | 53.2258% | 6,166 |
| Assets per employee ($millions) | 6.1143% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5933% | 3,029 |
| Loan loss allowance to noncurrent loans | 209.7155% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 1.3030% | 3,049 |
| Noncurrent loans to loans | 0.7598% | 4,331 |
| Net loans and leases to total assets | 72.6810% | 1,505 |
| Net loans and leases to deposits | 81.7338% | 2,171 |
| Net loans and leases to core deposits | 85.8362% | 2,427 |
| Total domestic deposits to total assets | 88.9240% | 1,601 |
| Equity capital to assets | 10.6807% | 3,091 |
| Core capital (leverage) ratio | 10.8803% | 2,589 |
| Tier 1 risk-based capital ratio | 14.1868% | 4,290 |
| Total risk-based capital ratio | 15.4407% | 4,237 |
| Memoranda: | ||
| Average total assets | $251,005,250 | 2,536 |
| Average earning assets | $232,404,250 | 2,507 |
| Average equity | $26,262,000 | 2,559 |
| Average total loans | $182,366,750 | 2,177 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 2,373 |
| Cost of funding earning assets | 0.3913% | 5,023 |
| Net interest margin | 4.0617% | 1,657 |
| Noninterest income to average assets | 0.4103% | 4,447 |
| Noninterest expense to average assets | 2.2435% | 5,516 |
| Loan and lease loss provision to assets | 0.2007% | 1,886 |
| Net operating income to assets | 1.1563% | 1,713 |
| Return on assets (ROA) | 1.1563% | 1,833 |
| Pretax return on assets | 1.7168% | 1,082 |
| Return on Equity (ROE) | 11.1312% | 1,774 |
| Retained earnings to average equity (ytd only) | 11.1312% | 622 |
| Net charge-offs to loans | 0.5758% | 1,149 |
| Credit loss provision to net charge-offs | 48.2625% | 3,250 |
| Earnings coverage of net charge-offs (x) | 4.6100% | 3,087 |
| Efficiency ratio | 53.9174% | 6,152 |
| Assets per employee ($millions) | 6.1007% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6841% | 2,837 |
| Loan loss allowance to noncurrent loans | 172.8929% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 1.5572% | 2,777 |
| Noncurrent loans to loans | 0.9741% | 3,990 |
| Net loans and leases to total assets | 70.8576% | 1,740 |
| Net loans and leases to deposits | 79.6178% | 2,378 |
| Net loans and leases to core deposits | 83.3109% | 2,654 |
| Total domestic deposits to total assets | 88.9972% | 1,634 |
| Equity capital to assets | 10.6286% | 3,143 |
| Core capital (leverage) ratio | 10.9089% | 2,445 |
| Tier 1 risk-based capital ratio | 14.4006% | 4,162 |
| Total risk-based capital ratio | 15.6558% | 4,120 |
| Memoranda: | ||
| Average total assets | $249,074,000 | 2,561 |
| Average earning assets | $230,002,330 | 2,541 |
| Average equity | $25,873,330 | 2,594 |
| Average total loans | $179,933,670 | 2,199 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3869% | 2,570 |
| Cost of funding earning assets | 0.3905% | 5,197 |
| Net interest margin | 3.9964% | 1,804 |
| Noninterest income to average assets | 0.3959% | 4,492 |
| Noninterest expense to average assets | 2.3271% | 5,346 |
| Loan and lease loss provision to assets | 0.2092% | 1,775 |
| Net operating income to assets | 1.0364% | 2,085 |
| Return on assets (ROA) | 1.0364% | 2,194 |
| Pretax return on assets | 1.5321% | 1,479 |
| Return on Equity (ROE) | 10.0950% | 2,027 |
| Retained earnings to average equity (ytd only) | 10.0950% | 1,082 |
| Net charge-offs to loans | 1.1548% | 511 |
| Credit loss provision to net charge-offs | 25.0482% | 2,963 |
| Earnings coverage of net charge-offs (x) | 2.0848% | 3,136 |
| Efficiency ratio | 57.1994% | 5,935 |
| Assets per employee ($millions) | 5.6999% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6483% | 3,202 |
| Loan loss allowance to noncurrent loans | 183.7957% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 1.5819% | 2,885 |
| Noncurrent loans to loans | 0.8968% | 4,341 |
| Net loans and leases to total assets | 72.6546% | 1,257 |
| Net loans and leases to deposits | 81.7985% | 1,856 |
| Net loans and leases to core deposits | 85.5578% | 2,155 |
| Total domestic deposits to total assets | 88.8215% | 1,783 |
| Equity capital to assets | 10.7892% | 3,208 |
| Core capital (leverage) ratio | 10.7166% | 2,535 |
| Tier 1 risk-based capital ratio | 14.0513% | 4,474 |
| Total risk-based capital ratio | 15.3053% | 4,425 |
| Memoranda: | ||
| Average total assets | $248,547,500 | 2,595 |
| Average earning assets | $228,406,500 | 2,581 |
| Average equity | $25,517,500 | 2,659 |
| Average total loans | $179,765,500 | 2,218 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6410% | 2,842 |
| Cost of funding earning assets | 0.4300% | 5,721 |
| Net interest margin | 4.2110% | 1,630 |
| Noninterest income to average assets | 0.4033% | 4,583 |
| Noninterest expense to average assets | 2.3294% | 5,611 |
| Loan and lease loss provision to assets | 0.2045% | 3,101 |
| Net operating income to assets | 1.2201% | 1,532 |
| Return on assets (ROA) | 1.2201% | 1,702 |
| Pretax return on assets | 1.7711% | 974 |
| Return on Equity (ROE) | 12.6010% | 1,334 |
| Retained earnings to average equity (ytd only) | 12.6010% | 281 |
| Net charge-offs to loans | 0.0101% | 5,795 |
| Credit loss provision to net charge-offs | 2,777.7778% | 86 |
| Earnings coverage of net charge-offs (x) | 268.3333% | 144 |
| Efficiency ratio | 54.1093% | 6,257 |
| Assets per employee ($millions) | 6.2853% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8086% | 2,560 |
| Loan loss allowance to noncurrent loans | 146.6489% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 1.5902% | 3,003 |
| Noncurrent loans to loans | 1.2333% | 3,782 |
| Net loans and leases to total assets | 69.6082% | 1,918 |
| Net loans and leases to deposits | 77.4370% | 2,594 |
| Net loans and leases to core deposits | 80.6782% | 2,921 |
| Total domestic deposits to total assets | 89.8901% | 1,016 |
| Equity capital to assets | 9.7812% | 4,481 |
| Core capital (leverage) ratio | 10.5099% | 2,754 |
| Tier 1 risk-based capital ratio | 13.1514% | 5,001 |
| Total risk-based capital ratio | 14.4073% | 4,942 |
| Memoranda: | ||
| Average total assets | $244,487,000 | 2,580 |
| Average earning assets | $226,524,400 | 2,547 |
| Average equity | $23,672,800 | 2,780 |
| Average total loans | $179,098,800 | 2,214 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6373% | 3,068 |
| Cost of funding earning assets | 0.4427% | 5,851 |
| Net interest margin | 4.1946% | 1,754 |
| Noninterest income to average assets | 0.4091% | 4,562 |
| Noninterest expense to average assets | 2.3401% | 5,570 |
| Loan and lease loss provision to assets | 0.1935% | 3,160 |
| Net operating income to assets | 1.2317% | 1,625 |
| Return on assets (ROA) | 1.2317% | 1,800 |
| Pretax return on assets | 1.7884% | 1,078 |
| Return on Equity (ROE) | 12.7551% | 1,395 |
| Retained earnings to average equity (ytd only) | 12.7551% | 413 |
| Net charge-offs to loans | 0.0180% | 5,422 |
| Credit loss provision to net charge-offs | 1,458.3333% | 191 |
| Earnings coverage of net charge-offs (x) | 149.3713% | 294 |
| Efficiency ratio | 54.1443% | 6,238 |
| Assets per employee ($millions) | 5.8753% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7212% | 3,074 |
| Loan loss allowance to noncurrent loans | 191.8952% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 1.4833% | 3,372 |
| Noncurrent loans to loans | 0.8969% | 4,638 |
| Net loans and leases to total assets | 76.5095% | 894 |
| Net loans and leases to deposits | 85.7080% | 1,636 |
| Net loans and leases to core deposits | 90.1694% | 1,965 |
| Total domestic deposits to total assets | 89.2677% | 1,265 |
| Equity capital to assets | 10.4102% | 3,945 |
| Core capital (leverage) ratio | 10.4213% | 3,008 |
| Tier 1 risk-based capital ratio | 13.1065% | 5,164 |
| Total risk-based capital ratio | 14.3620% | 5,121 |
| Memoranda: | ||
| Average total assets | $241,184,250 | 2,641 |
| Average earning assets | $224,982,250 | 2,589 |
| Average equity | $23,289,500 | 2,850 |
| Average total loans | $178,202,750 | 2,254 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5539% | 3,548 |
| Cost of funding earning assets | 0.4557% | 5,933 |
| Net interest margin | 4.0983% | 2,103 |
| Noninterest income to average assets | 0.3996% | 4,651 |
| Noninterest expense to average assets | 2.2940% | 5,758 |
| Loan and lease loss provision to assets | 0.2261% | 2,816 |
| Net operating income to assets | 1.1782% | 1,790 |
| Return on assets (ROA) | 1.1782% | 1,991 |
| Pretax return on assets | 1.7028% | 1,246 |
| Return on Equity (ROE) | 12.5166% | 1,499 |
| Retained earnings to average equity (ytd only) | 12.5166% | 505 |
| Net charge-offs to loans | 0.0476% | 4,727 |
| Credit loss provision to net charge-offs | 654.7619% | 489 |
| Earnings coverage of net charge-offs (x) | 55.8571% | 673 |
| Efficiency ratio | 54.3224% | 6,290 |
| Assets per employee ($millions) | 5.7795% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7231% | 3,133 |
| Loan loss allowance to noncurrent loans | 152.6737% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 1.7742% | 3,074 |
| Noncurrent loans to loans | 1.1286% | 4,271 |
| Net loans and leases to total assets | 73.5333% | 1,326 |
| Net loans and leases to deposits | 81.8788% | 2,126 |
| Net loans and leases to core deposits | 86.0587% | 2,422 |
| Total domestic deposits to total assets | 89.8075% | 1,042 |
| Equity capital to assets | 9.9735% | 4,371 |
| Core capital (leverage) ratio | 9.8605% | 3,639 |
| Tier 1 risk-based capital ratio | 12.6508% | 5,454 |
| Total risk-based capital ratio | 13.9054% | 5,427 |
| Memoranda: | ||
| Average total assets | $243,242,330 | 2,624 |
| Average earning assets | $226,925,670 | 2,562 |
| Average equity | $22,897,670 | 2,864 |
| Average total loans | $176,619,000 | 2,278 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 4,007 |
| Cost of funding earning assets | 0.4719% | 6,003 |
| Net interest margin | 4.0069% | 2,476 |
| Noninterest income to average assets | 0.3734% | 4,875 |
| Noninterest expense to average assets | 2.2518% | 5,895 |
| Loan and lease loss provision to assets | 0.2435% | 2,518 |
| Net operating income to assets | 1.1105% | 2,036 |
| Return on assets (ROA) | 1.1105% | 2,218 |
| Pretax return on assets | 1.6137% | 1,527 |
| Return on Equity (ROE) | 12.1438% | 1,637 |
| Retained earnings to average equity (ytd only) | 12.1438% | 808 |
| Net charge-offs to loans | 0.0295% | 4,273 |
| Credit loss provision to net charge-offs | 1,153.8462% | 302 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 383 |
| Efficiency ratio | 54.8005% | 6,256 |
| Assets per employee ($millions) | 5.9669% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6755% | 3,442 |
| Loan loss allowance to noncurrent loans | 162.8509% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 1.6751% | 3,346 |
| Noncurrent loans to loans | 1.0288% | 4,629 |
| Net loans and leases to total assets | 70.9803% | 1,577 |
| Net loans and leases to deposits | 78.5154% | 2,415 |
| Net loans and leases to core deposits | 82.3635% | 2,773 |
| Total domestic deposits to total assets | 90.4031% | 866 |
| Equity capital to assets | 9.3500% | 5,029 |
| Core capital (leverage) ratio | 9.0937% | 4,692 |
| Tier 1 risk-based capital ratio | 12.2089% | 5,817 |
| Total risk-based capital ratio | 13.4632% | 5,790 |
| Memoranda: | ||
| Average total assets | $246,384,500 | 2,592 |
| Average earning assets | $229,706,500 | 2,536 |
| Average equity | $22,530,000 | 2,906 |
| Average total loans | $176,279,500 | 2,288 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6192% | 4,592 |
| Cost of funding earning assets | 0.5827% | 6,173 |
| Net interest margin | 4.0366% | 2,699 |
| Noninterest income to average assets | 0.3904% | 4,699 |
| Noninterest expense to average assets | 2.4764% | 5,546 |
| Loan and lease loss provision to assets | 0.3253% | 3,088 |
| Net operating income to assets | 0.9387% | 2,454 |
| Return on assets (ROA) | 0.9387% | 2,576 |
| Pretax return on assets | 1.3313% | 2,009 |
| Return on Equity (ROE) | 9.9355% | 2,083 |
| Retained earnings to average equity (ytd only) | 9.9355% | 587 |
| Net charge-offs to loans | 0.0634% | 5,665 |
| Credit loss provision to net charge-offs | 703.8835% | 312 |
| Earnings coverage of net charge-offs (x) | 35.8447% | 732 |
| Efficiency ratio | 59.9175% | 5,772 |
| Assets per employee ($millions) | 6.0519% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 3,569 |
| Loan loss allowance to noncurrent loans | 177.8198% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 1.4783% | 3,740 |
| Noncurrent loans to loans | 0.9019% | 4,881 |
| Net loans and leases to total assets | 69.7749% | 2,079 |
| Net loans and leases to deposits | 76.8648% | 3,030 |
| Net loans and leases to core deposits | 82.8445% | 3,052 |
| Total domestic deposits to total assets | 90.7761% | 597 |
| Equity capital to assets | 8.9414% | 5,621 |
| Core capital (leverage) ratio | 9.0251% | 4,735 |
| Tier 1 risk-based capital ratio | 11.9252% | 5,877 |
| Total risk-based capital ratio | 13.1785% | 5,855 |
| Memoranda: | ||
| Average total assets | $222,861,000 | 2,811 |
| Average earning assets | $206,636,800 | 2,772 |
| Average equity | $21,055,800 | 3,004 |
| Average total loans | $162,407,000 | 2,471 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6062% | 4,845 |
| Cost of funding earning assets | 0.6123% | 6,233 |
| Net interest margin | 3.9939% | 2,935 |
| Noninterest income to average assets | 0.3934% | 4,715 |
| Noninterest expense to average assets | 2.5097% | 5,433 |
| Loan and lease loss provision to assets | 0.3233% | 2,945 |
| Net operating income to assets | 0.8940% | 2,761 |
| Return on assets (ROA) | 0.8940% | 2,912 |
| Pretax return on assets | 1.2591% | 2,434 |
| Return on Equity (ROE) | 9.3194% | 2,456 |
| Retained earnings to average equity (ytd only) | 9.3194% | 1,039 |
| Net charge-offs to loans | 0.0495% | 5,493 |
| Credit loss provision to net charge-offs | 889.8305% | 310 |
| Earnings coverage of net charge-offs (x) | 43.5619% | 731 |
| Efficiency ratio | 61.3301% | 5,514 |
| Assets per employee ($millions) | 5.6528% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 3,983 |
| Loan loss allowance to noncurrent loans | 135.0051% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 1.6595% | 3,596 |
| Noncurrent loans to loans | 1.1291% | 4,658 |
| Net loans and leases to total assets | 74.2819% | 1,286 |
| Net loans and leases to deposits | 82.2369% | 2,316 |
| Net loans and leases to core deposits | 86.5786% | 2,700 |
| Total domestic deposits to total assets | 90.3268% | 707 |
| Equity capital to assets | 9.3074% | 5,368 |
| Core capital (leverage) ratio | 9.7014% | 3,848 |
| Tier 1 risk-based capital ratio | 11.7173% | 6,092 |
| Total risk-based capital ratio | 12.9696% | 6,090 |
| Memoranda: | ||
| Average total assets | $216,544,250 | 2,886 |
| Average earning assets | $200,535,250 | 2,855 |
| Average equity | $20,773,250 | 3,041 |
| Average total loans | $159,020,500 | 2,527 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5746% | 5,079 |
| Cost of funding earning assets | 0.6261% | 6,333 |
| Net interest margin | 3.9484% | 3,095 |
| Noninterest income to average assets | 0.4199% | 4,511 |
| Noninterest expense to average assets | 2.5119% | 5,486 |
| Loan and lease loss provision to assets | 0.4256% | 2,306 |
| Net operating income to assets | 0.8086% | 3,029 |
| Return on assets (ROA) | 0.8086% | 3,151 |
| Pretax return on assets | 1.1264% | 2,742 |
| Return on Equity (ROE) | 8.3385% | 2,787 |
| Retained earnings to average equity (ytd only) | 8.3385% | 1,321 |
| Net charge-offs to loans | 0.0728% | 4,919 |
| Credit loss provision to net charge-offs | 803.5714% | 413 |
| Earnings coverage of net charge-offs (x) | 29.3036% | 939 |
| Efficiency ratio | 61.8106% | 5,611 |
| Assets per employee ($millions) | 5.5211% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6543% | 3,479 |
| Loan loss allowance to noncurrent loans | 133.5736% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 1.7352% | 3,600 |
| Noncurrent loans to loans | 1.2385% | 4,588 |
| Net loans and leases to total assets | 69.8289% | 2,251 |
| Net loans and leases to deposits | 77.3579% | 3,242 |
| Net loans and leases to core deposits | 81.4860% | 3,581 |
| Total domestic deposits to total assets | 90.2673% | 830 |
| Equity capital to assets | 9.5008% | 4,812 |
| Core capital (leverage) ratio | 9.6536% | 3,725 |
| Tier 1 risk-based capital ratio | 12.5049% | 5,343 |
| Total risk-based capital ratio | 13.7586% | 5,311 |
| Memoranda: | ||
| Average total assets | $211,471,330 | 2,955 |
| Average earning assets | $195,165,330 | 2,936 |
| Average equity | $20,507,330 | 3,061 |
| Average total loans | $153,753,000 | 2,628 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 4,999 |
| Cost of funding earning assets | 0.6417% | 6,418 |
| Net interest margin | 3.9467% | 2,931 |
| Noninterest income to average assets | 0.4546% | 4,239 |
| Noninterest expense to average assets | 2.5921% | 5,257 |
| Loan and lease loss provision to assets | 0.5803% | 1,490 |
| Net operating income to assets | 0.6732% | 3,644 |
| Return on assets (ROA) | 0.6732% | 3,712 |
| Pretax return on assets | 0.9227% | 3,418 |
| Return on Equity (ROE) | 6.8673% | 3,454 |
| Retained earnings to average equity (ytd only) | 6.8673% | 2,204 |
| Net charge-offs to loans | 0.1550% | 3,555 |
| Credit loss provision to net charge-offs | 508.4746% | 706 |
| Earnings coverage of net charge-offs (x) | 13.1695% | 1,454 |
| Efficiency ratio | 63.2971% | 5,473 |
| Assets per employee ($millions) | 5.4367% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 3,752 |
| Loan loss allowance to noncurrent loans | 102.5199% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 2.0673% | 3,240 |
| Noncurrent loans to loans | 1.5553% | 4,136 |
| Net loans and leases to total assets | 72.9207% | 1,533 |
| Net loans and leases to deposits | 81.2155% | 2,493 |
| Net loans and leases to core deposits | 85.2627% | 2,998 |
| Total domestic deposits to total assets | 89.7867% | 1,297 |
| Equity capital to assets | 9.8958% | 3,904 |
| Core capital (leverage) ratio | 9.6257% | 3,626 |
| Tier 1 risk-based capital ratio | 12.6847% | 5,081 |
| Total risk-based capital ratio | 13.9378% | 5,057 |
| Memoranda: | ||
| Average total assets | $206,785,000 | 3,024 |
| Average earning assets | $190,742,000 | 3,000 |
| Average equity | $20,270,000 | 3,073 |
| Average total loans | $152,226,000 | 2,681 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6619% | 5,916 |
| Cost of funding earning assets | 0.8181% | 6,490 |
| Net interest margin | 3.8438% | 3,762 |
| Noninterest income to average assets | 0.4038% | 4,881 |
| Noninterest expense to average assets | 2.4753% | 5,879 |
| Loan and lease loss provision to assets | 0.3031% | 4,382 |
| Net operating income to assets | 0.7968% | 2,818 |
| Return on assets (ROA) | 0.7968% | 2,956 |
| Pretax return on assets | 1.2071% | 2,208 |
| Return on Equity (ROE) | 8.8934% | 2,336 |
| Retained earnings to average equity (ytd only) | 8.8934% | 735 |
| Net charge-offs to loans | 0.4989% | 3,627 |
| Credit loss provision to net charge-offs | 83.3333% | 5,414 |
| Earnings coverage of net charge-offs (x) | 4.1526% | 3,037 |
| Efficiency ratio | 62.1081% | 5,713 |
| Assets per employee ($millions) | 5.3071% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 4,264 |
| Loan loss allowance to noncurrent loans | 161.8837% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 1.6784% | 3,781 |
| Noncurrent loans to loans | 0.8978% | 5,266 |
| Net loans and leases to total assets | 72.0669% | 2,091 |
| Net loans and leases to deposits | 80.1701% | 3,146 |
| Net loans and leases to core deposits | 87.1273% | 3,167 |
| Total domestic deposits to total assets | 89.8926% | 1,167 |
| Equity capital to assets | 9.7093% | 4,115 |
| Core capital (leverage) ratio | 9.4411% | 3,782 |
| Tier 1 risk-based capital ratio | 12.6557% | 4,889 |
| Total risk-based capital ratio | 13.9074% | 4,867 |
| Memoranda: | ||
| Average total assets | $214,477,800 | 2,933 |
| Average earning assets | $199,853,400 | 2,882 |
| Average equity | $19,216,400 | 3,255 |
| Average total loans | $156,348,000 | 2,663 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5184% | 6,564 |
| Cost of funding earning assets | 0.8543% | 6,566 |
| Net interest margin | 3.6641% | 4,575 |
| Noninterest income to average assets | 0.4000% | 4,953 |
| Noninterest expense to average assets | 2.4447% | 5,907 |
| Loan and lease loss provision to assets | 0.3081% | 4,115 |
| Net operating income to assets | 0.7062% | 3,384 |
| Return on assets (ROA) | 0.7062% | 3,534 |
| Pretax return on assets | 1.0698% | 2,929 |
| Return on Equity (ROE) | 8.0434% | 2,880 |
| Retained earnings to average equity (ytd only) | 8.0434% | 1,407 |
| Net charge-offs to loans | 0.6548% | 2,794 |
| Credit loss provision to net charge-offs | 64.5995% | 5,575 |
| Earnings coverage of net charge-offs (x) | 2.8889% | 3,687 |
| Efficiency ratio | 63.9529% | 5,249 |
| Assets per employee ($millions) | 5.5787% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 4,648 |
| Loan loss allowance to noncurrent loans | 156.3498% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 1.5765% | 4,079 |
| Noncurrent loans to loans | 0.8723% | 5,476 |
| Net loans and leases to total assets | 68.3437% | 3,131 |
| Net loans and leases to deposits | 75.3595% | 4,289 |
| Net loans and leases to core deposits | 82.1491% | 4,228 |
| Total domestic deposits to total assets | 90.6903% | 555 |
| Equity capital to assets | 9.0004% | 5,580 |
| Core capital (leverage) ratio | 9.3845% | 4,081 |
| Tier 1 risk-based capital ratio | 12.5247% | 4,954 |
| Total risk-based capital ratio | 13.7754% | 4,935 |
| Memoranda: | ||
| Average total assets | $216,353,000 | 2,956 |
| Average earning assets | $202,100,500 | 2,890 |
| Average equity | $18,996,500 | 3,317 |
| Average total loans | $157,594,500 | 2,689 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5215% | 6,656 |
| Cost of funding earning assets | 0.9081% | 6,544 |
| Net interest margin | 3.6134% | 4,763 |
| Noninterest income to average assets | 0.3918% | 4,977 |
| Noninterest expense to average assets | 2.4506% | 5,910 |
| Loan and lease loss provision to assets | 0.3242% | 3,802 |
| Net operating income to assets | 0.6603% | 3,584 |
| Return on assets (ROA) | 0.6603% | 3,735 |
| Pretax return on assets | 1.0002% | 3,113 |
| Return on Equity (ROE) | 7.5846% | 3,063 |
| Retained earnings to average equity (ytd only) | 7.5846% | 1,602 |
| Net charge-offs to loans | 0.9645% | 1,914 |
| Credit loss provision to net charge-offs | 45.3956% | 5,516 |
| Earnings coverage of net charge-offs (x) | 1.8547% | 4,128 |
| Efficiency ratio | 64.9166% | 5,161 |
| Assets per employee ($millions) | 5.2542% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 5,001 |
| Loan loss allowance to noncurrent loans | 127.0972% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 1.7651% | 3,807 |
| Noncurrent loans to loans | 1.0122% | 5,285 |
| Net loans and leases to total assets | 71.4813% | 2,539 |
| Net loans and leases to deposits | 79.1078% | 3,775 |
| Net loans and leases to core deposits | 87.5362% | 3,613 |
| Total domestic deposits to total assets | 90.3594% | 741 |
| Equity capital to assets | 9.3536% | 4,923 |
| Core capital (leverage) ratio | 9.0807% | 4,480 |
| Tier 1 risk-based capital ratio | 12.1317% | 5,185 |
| Total risk-based capital ratio | 13.3491% | 5,193 |
| Memoranda: | ||
| Average total assets | $215,948,000 | 2,985 |
| Average earning assets | $202,190,000 | 2,915 |
| Average equity | $18,801,330 | 3,331 |
| Average total loans | $159,876,000 | 2,701 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 7,032 |
| Cost of funding earning assets | 0.9233% | 6,683 |
| Net interest margin | 3.4509% | 5,369 |
| Noninterest income to average assets | 0.3775% | 5,117 |
| Noninterest expense to average assets | 2.4004% | 6,082 |
| Loan and lease loss provision to assets | 0.2709% | 3,861 |
| Net operating income to assets | 0.6249% | 3,779 |
| Return on assets (ROA) | 0.6249% | 3,910 |
| Pretax return on assets | 0.9464% | 3,280 |
| Return on Equity (ROE) | 7.4335% | 3,145 |
| Retained earnings to average equity (ytd only) | 7.4335% | 1,958 |
| Net charge-offs to loans | -0.0242% | 7,121 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3505% | 5,044 |
| Assets per employee ($millions) | 5.8247% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4779% | 4,025 |
| Loan loss allowance to noncurrent loans | 50.3335% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 2.2768% | 3,179 |
| Noncurrent loans to loans | 2.9362% | 2,741 |
| Net loans and leases to total assets | 73.0722% | 2,183 |
| Net loans and leases to deposits | 79.8604% | 3,680 |
| Net loans and leases to core deposits | 95.5674% | 2,634 |
| Total domestic deposits to total assets | 91.4999% | 372 |
| Equity capital to assets | 8.2756% | 6,336 |
| Core capital (leverage) ratio | 8.5242% | 5,332 |
| Tier 1 risk-based capital ratio | 11.4975% | 5,675 |
| Total risk-based capital ratio | 12.7511% | 5,652 |
| Memoranda: | ||
| Average total assets | $221,464,500 | 2,974 |
| Average earning assets | $207,948,500 | 2,901 |
| Average equity | $18,618,500 | 3,375 |
| Average total loans | $165,621,500 | 2,678 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7625% | 7,019 |
| Cost of funding earning assets | 1.0586% | 7,077 |
| Net interest margin | 3.7039% | 4,127 |
| Noninterest income to average assets | 0.4585% | 4,729 |
| Noninterest expense to average assets | 2.6830% | 5,469 |
| Loan and lease loss provision to assets | 0.3056% | 4,989 |
| Net operating income to assets | 0.6123% | 3,286 |
| Return on assets (ROA) | 0.6123% | 3,356 |
| Pretax return on assets | 0.9276% | 2,834 |
| Return on Equity (ROE) | 6.7369% | 2,896 |
| Retained earnings to average equity (ytd only) | 6.7369% | 1,054 |
| Net charge-offs to loans | 0.0903% | 6,225 |
| Credit loss provision to net charge-offs | 444.4444% | 697 |
| Earnings coverage of net charge-offs (x) | 17.9333% | 1,159 |
| Efficiency ratio | 68.5094% | 4,919 |
| Assets per employee ($millions) | 5.5325% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 4,068 |
| Loan loss allowance to noncurrent loans | 48.0214% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 2.3530% | 2,946 |
| Noncurrent loans to loans | 2.9811% | 2,577 |
| Net loans and leases to total assets | 74.3537% | 2,177 |
| Net loans and leases to deposits | 81.5881% | 3,678 |
| Net loans and leases to core deposits | 111.1196% | 2,783 |
| Total domestic deposits to total assets | 91.1330% | 483 |
| Equity capital to assets | 8.5454% | 5,819 |
| Core capital (leverage) ratio | 9.1003% | 4,266 |
| Tier 1 risk-based capital ratio | 11.5959% | 5,297 |
| Total risk-based capital ratio | 12.8487% | 5,254 |
| Memoranda: | ||
| Average total assets | $196,313,000 | 3,222 |
| Average earning assets | $183,266,200 | 3,176 |
| Average equity | $17,842,000 | 3,526 |
| Average total loans | $149,449,200 | 2,920 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9203% | 6,835 |
| Cost of funding earning assets | 1.1001% | 7,175 |
| Net interest margin | 3.8202% | 3,571 |
| Noninterest income to average assets | 0.4889% | 4,595 |
| Noninterest expense to average assets | 2.7578% | 5,073 |
| Loan and lease loss provision to assets | 0.3134% | 4,467 |
| Net operating income to assets | 0.6498% | 3,405 |
| Return on assets (ROA) | 0.6498% | 3,468 |
| Pretax return on assets | 0.9847% | 2,954 |
| Return on Equity (ROE) | 7.0309% | 3,056 |
| Retained earnings to average equity (ytd only) | 7.0309% | 1,489 |
| Net charge-offs to loans | 0.1314% | 5,386 |
| Credit loss provision to net charge-offs | 312.5000% | 1,318 |
| Earnings coverage of net charge-offs (x) | 12.9441% | 1,715 |
| Efficiency ratio | 67.9945% | 4,978 |
| Assets per employee ($millions) | 5.3048% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 3,574 |
| Loan loss allowance to noncurrent loans | 97.0496% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 1.2313% | 4,598 |
| Noncurrent loans to loans | 1.5203% | 4,373 |
| Net loans and leases to total assets | 71.9183% | 3,056 |
| Net loans and leases to deposits | 79.3518% | 4,500 |
| Net loans and leases to core deposits | 98.3795% | 4,566 |
| Total domestic deposits to total assets | 90.6321% | 543 |
| Equity capital to assets | 9.0082% | 5,466 |
| Core capital (leverage) ratio | 9.2280% | 4,296 |
| Tier 1 risk-based capital ratio | 11.5044% | 5,424 |
| Total risk-based capital ratio | 12.7558% | 5,374 |
| Memoranda: | ||
| Average total assets | $191,449,750 | 3,298 |
| Average earning assets | $178,764,000 | 3,257 |
| Average equity | $17,693,000 | 3,581 |
| Average total loans | $146,121,500 | 3,016 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9731% | 6,861 |
| Cost of funding earning assets | 1.1320% | 7,294 |
| Net interest margin | 3.8411% | 3,367 |
| Noninterest income to average assets | 0.4732% | 4,689 |
| Noninterest expense to average assets | 2.8351% | 4,804 |
| Loan and lease loss provision to assets | 0.3190% | 4,034 |
| Net operating income to assets | 0.5934% | 3,703 |
| Return on assets (ROA) | 0.5934% | 3,811 |
| Pretax return on assets | 0.8986% | 3,344 |
| Return on Equity (ROE) | 6.3634% | 3,493 |
| Retained earnings to average equity (ytd only) | 6.3634% | 1,856 |
| Net charge-offs to loans | 0.2030% | 4,262 |
| Credit loss provision to net charge-offs | 202.7027% | 2,251 |
| Earnings coverage of net charge-offs (x) | 7.7365% | 2,397 |
| Efficiency ratio | 69.9554% | 4,793 |
| Assets per employee ($millions) | 5.1074% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 3,816 |
| Loan loss allowance to noncurrent loans | 83.8321% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.8296% | 3,433 |
| Noncurrent loans to loans | 1.6516% | 4,020 |
| Net loans and leases to total assets | 74.0188% | 2,693 |
| Net loans and leases to deposits | 81.7530% | 4,265 |
| Net loans and leases to core deposits | 102.1771% | 4,270 |
| Total domestic deposits to total assets | 90.5396% | 611 |
| Equity capital to assets | 9.1420% | 5,109 |
| Core capital (leverage) ratio | 9.3536% | 4,094 |
| Tier 1 risk-based capital ratio | 11.4694% | 5,417 |
| Total risk-based capital ratio | 12.7202% | 5,336 |
| Memoranda: | ||
| Average total assets | $188,072,000 | 3,361 |
| Average earning assets | $175,263,330 | 3,325 |
| Average equity | $17,537,670 | 3,608 |
| Average total loans | $145,780,000 | 3,054 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9466% | 7,062 |
| Cost of funding earning assets | 1.1728% | 7,360 |
| Net interest margin | 3.7738% | 3,571 |
| Noninterest income to average assets | 0.4777% | 4,530 |
| Noninterest expense to average assets | 2.5850% | 5,516 |
| Loan and lease loss provision to assets | 0.3242% | 3,378 |
| Net operating income to assets | 0.7133% | 3,492 |
| Return on assets (ROA) | 0.7133% | 3,686 |
| Pretax return on assets | 1.0807% | 3,059 |
| Return on Equity (ROE) | 7.5710% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.5710% | 1,994 |
| Net charge-offs to loans | -0.0055% | 7,190 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7887% | 5,547 |
| Assets per employee ($millions) | 4.8453% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 3,613 |
| Loan loss allowance to noncurrent loans | 90.4484% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 1.8602% | 3,128 |
| Noncurrent loans to loans | 1.5260% | 3,994 |
| Net loans and leases to total assets | 78.2700% | 1,759 |
| Net loans and leases to deposits | 86.8533% | 3,502 |
| Net loans and leases to core deposits | 111.0158% | 3,307 |
| Total domestic deposits to total assets | 90.1175% | 740 |
| Equity capital to assets | 9.5686% | 4,572 |
| Core capital (leverage) ratio | 9.5184% | 3,952 |
| Tier 1 risk-based capital ratio | 11.1388% | 5,770 |
| Total risk-based capital ratio | 12.3895% | 5,689 |
| Memoranda: | ||
| Average total assets | $185,066,500 | 3,426 |
| Average earning assets | $172,240,500 | 3,383 |
| Average equity | $17,435,000 | 3,648 |
| Average total loans | $145,832,500 | 3,076 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9414% | 5,844 |
| Cost of funding earning assets | 1.6355% | 7,374 |
| Net interest margin | 4.3059% | 1,951 |
| Noninterest income to average assets | 0.5565% | 4,187 |
| Noninterest expense to average assets | 2.7494% | 5,051 |
| Loan and lease loss provision to assets | 0.3198% | 3,813 |
| Net operating income to assets | 0.9840% | 2,613 |
| Return on assets (ROA) | 0.9840% | 2,498 |
| Pretax return on assets | 1.4573% | 1,799 |
| Return on Equity (ROE) | 11.3533% | 1,806 |
| Retained earnings to average equity (ytd only) | 11.3533% | 286 |
| Net charge-offs to loans | 0.3060% | 3,356 |
| Credit loss provision to net charge-offs | 142.8571% | 3,703 |
| Earnings coverage of net charge-offs (x) | 7.9381% | 2,985 |
| Efficiency ratio | 60.7395% | 6,215 |
| Assets per employee ($millions) | 4.7695% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 3,923 |
| Loan loss allowance to noncurrent loans | 175.1174% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 1.2150% | 3,808 |
| Noncurrent loans to loans | 0.7318% | 5,200 |
| Net loans and leases to total assets | 77.2378% | 2,320 |
| Net loans and leases to deposits | 85.4782% | 4,184 |
| Net loans and leases to core deposits | 107.1461% | 4,062 |
| Total domestic deposits to total assets | 90.3597% | 532 |
| Equity capital to assets | 9.2748% | 4,967 |
| Core capital (leverage) ratio | 8.9906% | 4,754 |
| Tier 1 risk-based capital ratio | 10.7022% | 6,002 |
| Total risk-based capital ratio | 11.8697% | 5,976 |
| Memoranda: | ||
| Average total assets | $187,607,200 | 3,301 |
| Average earning assets | $172,973,000 | 3,286 |
| Average equity | $16,259,600 | 3,874 |
| Average total loans | $137,245,000 | 3,140 |