Home > First Bank of Missouri > Performance and Condition Ratios
First Bank of Missouri, Performance and Condition Ratios
| 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 | 3.6679% | 4,317 |
| Cost of funding earning assets | 0.2509% | 4,557 |
| Net interest margin | 3.4170% | 3,758 |
| Noninterest income to average assets | 0.5333% | 3,015 |
| Noninterest expense to average assets | 2.0856% | 5,027 |
| Loan and lease loss provision to assets | 0.1931% | 1,207 |
| Net operating income to assets | 1.0324% | 2,217 |
| Return on assets (ROA) | 1.0809% | 2,082 |
| Pretax return on assets | 1.5780% | 1,347 |
| Return on Equity (ROE) | 6.3924% | 3,792 |
| Retained earnings to average equity (ytd only) | 4.9650% | 2,368 |
| Net charge-offs to loans | 0.1142% | 2,117 |
| Credit loss provision to net charge-offs | 276.0736% | 1,052 |
| Earnings coverage of net charge-offs (x) | 24.3037% | 1,645 |
| Efficiency ratio | 55.0952% | 5,140 |
| Assets per employee ($millions) | 4.7641% | 2,700 |
| Cash dividends to net income (ytd only)* | 22.3303% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9617% | 710 |
| Loan loss allowance to noncurrent loans | 497.9556% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 4,362 |
| Noncurrent loans to loans | 0.3939% | 3,732 |
| Net loans and leases to total assets | 58.7665% | 3,994 |
| Net loans and leases to deposits | 76.4826% | 3,263 |
| Net loans and leases to core deposits | 78.7734% | 3,500 |
| Total domestic deposits to total assets | 76.8364% | 5,139 |
| Equity capital to assets | 16.6379% | 426 |
| Core capital (leverage) ratio | 16.7626% | 374 |
| Tier 1 risk-based capital ratio | 23.3579% | 931 |
| Total risk-based capital ratio | 24.6128% | 919 |
| Memoranda: | ||
| Average total assets | $466,110,800 | 1,461 |
| Average earning assets | $443,605,400 | 1,434 |
| Average equity | $78,812,000 | 1,006 |
| Average total loans | $285,383,200 | 1,588 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6967% | 4,262 |
| Cost of funding earning assets | 0.2501% | 4,602 |
| Net interest margin | 3.4466% | 3,683 |
| Noninterest income to average assets | 0.3688% | 4,136 |
| Noninterest expense to average assets | 2.0483% | 5,112 |
| Loan and lease loss provision to assets | 0.2589% | 710 |
| Net operating income to assets | 0.9307% | 2,749 |
| Return on assets (ROA) | 0.9926% | 2,610 |
| Pretax return on assets | 1.4330% | 1,930 |
| Return on Equity (ROE) | 5.8466% | 4,145 |
| Retained earnings to average equity (ytd only) | 3.9407% | 3,499 |
| Net charge-offs to loans | 0.1649% | 1,388 |
| Credit loss provision to net charge-offs | 254.9575% | 1,182 |
| Earnings coverage of net charge-offs (x) | 15.7792% | 2,158 |
| Efficiency ratio | 56.1106% | 5,052 |
| Assets per employee ($millions) | 4.7795% | 2,639 |
| Cash dividends to net income (ytd only)* | 32.5992% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9027% | 847 |
| Loan loss allowance to noncurrent loans | 470.0675% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.3690% | 3,946 |
| Noncurrent loans to loans | 0.4048% | 3,826 |
| Net loans and leases to total assets | 60.7460% | 3,774 |
| Net loans and leases to deposits | 77.7854% | 3,210 |
| Net loans and leases to core deposits | 79.8746% | 3,457 |
| Total domestic deposits to total assets | 78.0944% | 4,896 |
| Equity capital to assets | 16.8675% | 444 |
| Core capital (leverage) ratio | 16.3925% | 428 |
| Tier 1 risk-based capital ratio | 21.7765% | 1,160 |
| Total risk-based capital ratio | 23.0305% | 1,144 |
| Memoranda: | ||
| Average total assets | $463,535,750 | 1,475 |
| Average earning assets | $441,353,000 | 1,447 |
| Average equity | $78,698,750 | 1,010 |
| Average total loans | $285,336,000 | 1,589 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7189% | 4,227 |
| Cost of funding earning assets | 0.2484% | 4,676 |
| Net interest margin | 3.4706% | 3,610 |
| Noninterest income to average assets | 0.3763% | 4,055 |
| Noninterest expense to average assets | 2.0642% | 5,133 |
| Loan and lease loss provision to assets | 0.2607% | 722 |
| Net operating income to assets | 0.9391% | 2,681 |
| Return on assets (ROA) | 0.9897% | 2,576 |
| Pretax return on assets | 1.4277% | 1,920 |
| Return on Equity (ROE) | 5.8166% | 4,130 |
| Retained earnings to average equity (ytd only) | 2.9441% | 4,043 |
| Net charge-offs to loans | -0.0035% | 4,459 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1053% | 5,137 |
| Assets per employee ($millions) | 4.5286% | 2,975 |
| Cash dividends to net income (ytd only)* | 49.3854% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9809% | 766 |
| Loan loss allowance to noncurrent loans | 399.7871% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4230% | 3,814 |
| Noncurrent loans to loans | 0.4955% | 3,592 |
| Net loans and leases to total assets | 59.1808% | 3,990 |
| Net loans and leases to deposits | 75.2526% | 3,457 |
| Net loans and leases to core deposits | 77.2071% | 3,720 |
| Total domestic deposits to total assets | 78.6428% | 4,864 |
| Equity capital to assets | 16.7323% | 461 |
| Core capital (leverage) ratio | 16.3876% | 416 |
| Tier 1 risk-based capital ratio | 21.8655% | 1,152 |
| Total risk-based capital ratio | 23.1198% | 1,135 |
| Memoranda: | ||
| Average total assets | $460,322,670 | 1,492 |
| Average earning assets | $438,083,000 | 1,459 |
| Average equity | $78,327,330 | 1,016 |
| Average total loans | $282,778,000 | 1,604 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7838% | 3,999 |
| Cost of funding earning assets | 0.2433% | 4,769 |
| Net interest margin | 3.5405% | 3,320 |
| Noninterest income to average assets | 0.3833% | 3,963 |
| Noninterest expense to average assets | 2.1292% | 5,055 |
| Loan and lease loss provision to assets | 0.2637% | 645 |
| Net operating income to assets | 0.9401% | 2,562 |
| Return on assets (ROA) | 0.9837% | 2,468 |
| Pretax return on assets | 1.4180% | 1,854 |
| Return on Equity (ROE) | 5.7320% | 4,116 |
| Retained earnings to average equity (ytd only) | 5.7320% | 2,506 |
| Net charge-offs to loans | -0.0043% | 4,242 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8144% | 5,120 |
| Assets per employee ($millions) | 4.3615% | 3,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8629% | 1,026 |
| Loan loss allowance to noncurrent loans | 378.3534% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 3,829 |
| Noncurrent loans to loans | 0.4924% | 3,701 |
| Net loans and leases to total assets | 61.9144% | 3,544 |
| Net loans and leases to deposits | 78.5113% | 2,953 |
| Net loans and leases to core deposits | 80.5737% | 3,276 |
| Total domestic deposits to total assets | 78.8605% | 4,999 |
| Equity capital to assets | 17.3575% | 391 |
| Core capital (leverage) ratio | 16.9950% | 371 |
| Tier 1 risk-based capital ratio | 21.7094% | 1,202 |
| Total risk-based capital ratio | 22.9628% | 1,185 |
| Memoranda: | ||
| Average total assets | $454,997,000 | 1,506 |
| Average earning assets | $432,366,000 | 1,473 |
| Average equity | $78,088,500 | 1,021 |
| Average total loans | $281,987,500 | 1,610 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6694% | 4,459 |
| Cost of funding earning assets | 0.2619% | 4,675 |
| Net interest margin | 3.4074% | 3,880 |
| Noninterest income to average assets | 0.5860% | 2,798 |
| Noninterest expense to average assets | 2.0712% | 5,310 |
| Loan and lease loss provision to assets | 0.2903% | 599 |
| Net operating income to assets | 0.9882% | 2,426 |
| Return on assets (ROA) | 1.0117% | 2,387 |
| Pretax return on assets | 1.4846% | 1,607 |
| Return on Equity (ROE) | 6.1659% | 3,963 |
| Retained earnings to average equity (ytd only) | 3.7008% | 3,418 |
| Net charge-offs to loans | 0.6523% | 365 |
| Credit loss provision to net charge-offs | 76.5306% | 3,014 |
| Earnings coverage of net charge-offs (x) | 4.5879% | 3,522 |
| Efficiency ratio | 54.3413% | 5,499 |
| Assets per employee ($millions) | 4.3885% | 3,236 |
| Cash dividends to net income (ytd only)* | 39.9787% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8095% | 1,113 |
| Loan loss allowance to noncurrent loans | 356.7779% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 3,867 |
| Noncurrent loans to loans | 0.5072% | 3,665 |
| Net loans and leases to total assets | 59.7671% | 3,873 |
| Net loans and leases to deposits | 75.7724% | 3,282 |
| Net loans and leases to core deposits | 77.6911% | 3,579 |
| Total domestic deposits to total assets | 78.8772% | 5,001 |
| Equity capital to assets | 16.9686% | 414 |
| Core capital (leverage) ratio | 16.2316% | 439 |
| Tier 1 risk-based capital ratio | 21.9286% | 1,161 |
| Total risk-based capital ratio | 23.1814% | 1,139 |
| Memoranda: | ||
| Average total assets | $465,041,800 | 1,448 |
| Average earning assets | $440,212,000 | 1,410 |
| Average equity | $76,307,200 | 997 |
| Average total loans | $270,410,200 | 1,614 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6488% | 4,579 |
| Cost of funding earning assets | 0.2657% | 4,716 |
| Net interest margin | 3.3831% | 4,024 |
| Noninterest income to average assets | 0.6484% | 2,494 |
| Noninterest expense to average assets | 2.0721% | 5,337 |
| Loan and lease loss provision to assets | 0.2568% | 657 |
| Net operating income to assets | 1.0349% | 2,299 |
| Return on assets (ROA) | 1.0576% | 2,279 |
| Pretax return on assets | 1.5539% | 1,523 |
| Return on Equity (ROE) | 6.4996% | 3,905 |
| Retained earnings to average equity (ytd only) | 4.7493% | 3,090 |
| Net charge-offs to loans | 0.5322% | 438 |
| Credit loss provision to net charge-offs | 83.9552% | 2,550 |
| Earnings coverage of net charge-offs (x) | 5.8097% | 3,149 |
| Efficiency ratio | 53.8290% | 5,532 |
| Assets per employee ($millions) | 4.5638% | 2,897 |
| Cash dividends to net income (ytd only)* | 26.9292% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9168% | 1,035 |
| Loan loss allowance to noncurrent loans | 245.1838% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.6927% | 3,172 |
| Noncurrent loans to loans | 0.7818% | 3,009 |
| Net loans and leases to total assets | 58.4930% | 4,083 |
| Net loans and leases to deposits | 75.7913% | 3,326 |
| Net loans and leases to core deposits | 77.8985% | 3,615 |
| Total domestic deposits to total assets | 77.1764% | 5,317 |
| Equity capital to assets | 16.8027% | 457 |
| Core capital (leverage) ratio | 16.3446% | 445 |
| Tier 1 risk-based capital ratio | 22.0365% | 1,192 |
| Total risk-based capital ratio | 23.2900% | 1,168 |
| Memoranda: | ||
| Average total assets | $467,201,500 | 1,448 |
| Average earning assets | $442,073,250 | 1,409 |
| Average equity | $76,022,750 | 1,007 |
| Average total loans | $268,561,250 | 1,634 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6357% | 4,619 |
| Cost of funding earning assets | 0.2681% | 4,737 |
| Net interest margin | 3.3676% | 4,024 |
| Noninterest income to average assets | 0.4948% | 3,416 |
| Noninterest expense to average assets | 2.0090% | 5,516 |
| Loan and lease loss provision to assets | 0.2557% | 670 |
| Net operating income to assets | 0.9671% | 2,550 |
| Return on assets (ROA) | 0.9998% | 2,498 |
| Pretax return on assets | 1.4631% | 1,756 |
| Return on Equity (ROE) | 6.2107% | 4,034 |
| Retained earnings to average equity (ytd only) | 3.5687% | 3,755 |
| Net charge-offs to loans | 0.3640% | 713 |
| Credit loss provision to net charge-offs | 123.7113% | 1,760 |
| Earnings coverage of net charge-offs (x) | 8.0825% | 2,598 |
| Efficiency ratio | 54.5981% | 5,535 |
| Assets per employee ($millions) | 4.6031% | 2,824 |
| Cash dividends to net income (ytd only)* | 42.5405% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0536% | 909 |
| Loan loss allowance to noncurrent loans | 174.5837% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.9697% | 2,589 |
| Noncurrent loans to loans | 1.1763% | 2,300 |
| Net loans and leases to total assets | 58.1605% | 4,078 |
| Net loans and leases to deposits | 74.9678% | 3,388 |
| Net loans and leases to core deposits | 77.0529% | 3,659 |
| Total domestic deposits to total assets | 77.5806% | 5,363 |
| Equity capital to assets | 16.6481% | 452 |
| Core capital (leverage) ratio | 15.9566% | 472 |
| Tier 1 risk-based capital ratio | 21.8473% | 1,227 |
| Total risk-based capital ratio | 23.1023% | 1,211 |
| Memoranda: | ||
| Average total assets | $469,287,330 | 1,449 |
| Average earning assets | $443,824,000 | 1,411 |
| Average equity | $75,546,670 | 1,020 |
| Average total loans | $266,452,000 | 1,652 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5613% | 4,799 |
| Cost of funding earning assets | 0.2667% | 4,830 |
| Net interest margin | 3.2946% | 4,243 |
| Noninterest income to average assets | 0.5587% | 2,899 |
| Noninterest expense to average assets | 1.9938% | 5,589 |
| Loan and lease loss provision to assets | 0.2521% | 650 |
| Net operating income to assets | 0.9656% | 2,421 |
| Return on assets (ROA) | 1.0124% | 2,342 |
| Pretax return on assets | 1.4955% | 1,581 |
| Return on Equity (ROE) | 6.3937% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.3937% | 2,293 |
| Net charge-offs to loans | 0.4372% | 564 |
| Credit loss provision to net charge-offs | 103.8062% | 1,571 |
| Earnings coverage of net charge-offs (x) | 6.9135% | 2,230 |
| Efficiency ratio | 54.2896% | 5,651 |
| Assets per employee ($millions) | 4.6826% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0325% | 1,020 |
| Loan loss allowance to noncurrent loans | 169.4531% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.9619% | 2,699 |
| Noncurrent loans to loans | 1.1994% | 2,374 |
| Net loans and leases to total assets | 56.1322% | 4,187 |
| Net loans and leases to deposits | 72.5168% | 3,489 |
| Net loans and leases to core deposits | 74.5474% | 3,732 |
| Total domestic deposits to total assets | 77.4058% | 5,549 |
| Equity capital to assets | 16.2663% | 513 |
| Core capital (leverage) ratio | 15.4116% | 548 |
| Tier 1 risk-based capital ratio | 22.3367% | 1,194 |
| Total risk-based capital ratio | 23.5917% | 1,174 |
| Memoranda: | ||
| Average total assets | $476,079,500 | 1,438 |
| Average earning assets | $449,951,000 | 1,396 |
| Average equity | $75,387,000 | 1,022 |
| Average total loans | $264,380,000 | 1,656 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8329% | 4,380 |
| Cost of funding earning assets | 0.3032% | 4,761 |
| Net interest margin | 3.5297% | 3,686 |
| Noninterest income to average assets | 0.3820% | 4,327 |
| Noninterest expense to average assets | 1.9634% | 5,834 |
| Loan and lease loss provision to assets | 0.6579% | 199 |
| Net operating income to assets | 0.7828% | 3,457 |
| Return on assets (ROA) | 0.8051% | 3,440 |
| Pretax return on assets | 1.1188% | 3,011 |
| Return on Equity (ROE) | 5.3941% | 4,461 |
| Retained earnings to average equity (ytd only) | 3.3004% | 3,879 |
| Net charge-offs to loans | 1.3237% | 195 |
| Credit loss provision to net charge-offs | 84.2105% | 2,781 |
| Earnings coverage of net charge-offs (x) | 2.2345% | 4,215 |
| Efficiency ratio | 52.9350% | 5,918 |
| Assets per employee ($millions) | 4.8390% | 2,545 |
| Cash dividends to net income (ytd only)* | 38.8151% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0893% | 965 |
| Loan loss allowance to noncurrent loans | 154.6462% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.9977% | 2,754 |
| Noncurrent loans to loans | 1.3511% | 2,177 |
| Net loans and leases to total assets | 52.7012% | 4,722 |
| Net loans and leases to deposits | 69.1296% | 4,018 |
| Net loans and leases to core deposits | 70.9595% | 4,224 |
| Total domestic deposits to total assets | 76.2353% | 5,698 |
| Equity capital to assets | 15.4176% | 624 |
| Core capital (leverage) ratio | 15.0517% | 605 |
| Tier 1 risk-based capital ratio | 23.2312% | 1,046 |
| Total risk-based capital ratio | 24.4873% | 1,025 |
| Memoranda: | ||
| Average total assets | $486,393,800 | 1,366 |
| Average earning assets | $458,478,400 | 1,340 |
| Average equity | $72,597,400 | 1,008 |
| Average total loans | $287,078,200 | 1,486 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8919% | 4,200 |
| Cost of funding earning assets | 0.3100% | 4,781 |
| Net interest margin | 3.5819% | 3,499 |
| Noninterest income to average assets | 0.3901% | 4,321 |
| Noninterest expense to average assets | 1.9720% | 5,817 |
| Loan and lease loss provision to assets | 0.6434% | 203 |
| Net operating income to assets | 0.7766% | 3,527 |
| Return on assets (ROA) | 0.7972% | 3,541 |
| Pretax return on assets | 1.1805% | 2,858 |
| Return on Equity (ROE) | 5.3853% | 4,543 |
| Retained earnings to average equity (ytd only) | 4.0667% | 3,752 |
| Net charge-offs to loans | 0.7462% | 454 |
| Credit loss provision to net charge-offs | 142.9440% | 1,646 |
| Earnings coverage of net charge-offs (x) | 3.9848% | 3,553 |
| Efficiency ratio | 52.3702% | 5,965 |
| Assets per employee ($millions) | 4.6384% | 2,750 |
| Cash dividends to net income (ytd only)* | 24.4848% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4051% | 733 |
| Loan loss allowance to noncurrent loans | 196.6492% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 1.0233% | 2,912 |
| Noncurrent loans to loans | 1.2231% | 2,602 |
| Net loans and leases to total assets | 57.3218% | 4,165 |
| Net loans and leases to deposits | 74.3677% | 3,389 |
| Net loans and leases to core deposits | 76.3598% | 3,704 |
| Total domestic deposits to total assets | 77.0789% | 5,663 |
| Equity capital to assets | 15.5435% | 624 |
| Core capital (leverage) ratio | 15.0089% | 613 |
| Tier 1 risk-based capital ratio | 21.8877% | 1,281 |
| Total risk-based capital ratio | 23.1474% | 1,260 |
| Memoranda: | ||
| Average total assets | $487,016,750 | 1,380 |
| Average earning assets | $458,921,250 | 1,348 |
| Average equity | $72,095,250 | 1,015 |
| Average total loans | $293,731,750 | 1,461 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9299% | 4,017 |
| Cost of funding earning assets | 0.3159% | 4,813 |
| Net interest margin | 3.6140% | 3,306 |
| Noninterest income to average assets | 0.3726% | 4,452 |
| Noninterest expense to average assets | 1.9747% | 5,869 |
| Loan and lease loss provision to assets | 0.6529% | 212 |
| Net operating income to assets | 0.7655% | 3,484 |
| Return on assets (ROA) | 0.7819% | 3,515 |
| Pretax return on assets | 1.1679% | 2,807 |
| Return on Equity (ROE) | 5.3689% | 4,499 |
| Retained earnings to average equity (ytd only) | 3.3738% | 4,056 |
| Net charge-offs to loans | 0.4958% | 816 |
| Credit loss provision to net charge-offs | 216.5088% | 1,096 |
| Earnings coverage of net charge-offs (x) | 5.9567% | 2,843 |
| Efficiency ratio | 52.3645% | 6,039 |
| Assets per employee ($millions) | 4.9379% | 2,294 |
| Cash dividends to net income (ytd only)* | 37.1608% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3798% | 829 |
| Loan loss allowance to noncurrent loans | 157.6387% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 1.1869% | 2,709 |
| Noncurrent loans to loans | 1.5097% | 2,311 |
| Net loans and leases to total assets | 57.3441% | 4,072 |
| Net loans and leases to deposits | 75.6990% | 3,100 |
| Net loans and leases to core deposits | 77.6847% | 3,478 |
| Total domestic deposits to total assets | 75.7528% | 5,942 |
| Equity capital to assets | 14.8239% | 744 |
| Core capital (leverage) ratio | 14.5377% | 691 |
| Tier 1 risk-based capital ratio | 21.0520% | 1,437 |
| Total risk-based capital ratio | 22.3119% | 1,408 |
| Memoranda: | ||
| Average total assets | $490,103,330 | 1,366 |
| Average earning assets | $460,875,330 | 1,333 |
| Average equity | $71,373,670 | 1,018 |
| Average total loans | $298,106,330 | 1,439 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9662% | 3,829 |
| Cost of funding earning assets | 0.3318% | 4,721 |
| Net interest margin | 3.6344% | 3,124 |
| Noninterest income to average assets | 0.3605% | 4,506 |
| Noninterest expense to average assets | 2.0202% | 5,845 |
| Loan and lease loss provision to assets | 0.2867% | 693 |
| Net operating income to assets | 0.9555% | 2,381 |
| Return on assets (ROA) | 0.9864% | 2,320 |
| Pretax return on assets | 1.5197% | 1,373 |
| Return on Equity (ROE) | 6.8350% | 3,568 |
| Retained earnings to average equity (ytd only) | 6.8350% | 2,127 |
| Net charge-offs to loans | 0.2833% | 1,215 |
| Credit loss provision to net charge-offs | 163.5514% | 1,187 |
| Earnings coverage of net charge-offs (x) | 10.0327% | 1,892 |
| Efficiency ratio | 53.4576% | 6,060 |
| Assets per employee ($millions) | 4.7695% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0363% | 1,447 |
| Loan loss allowance to noncurrent loans | 123.6342% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.4253% | 2,490 |
| Noncurrent loans to loans | 1.6470% | 2,362 |
| Net loans and leases to total assets | 61.0942% | 3,382 |
| Net loans and leases to deposits | 78.9847% | 2,429 |
| Net loans and leases to core deposits | 80.9810% | 2,852 |
| Total domestic deposits to total assets | 77.3494% | 5,924 |
| Equity capital to assets | 14.7098% | 734 |
| Core capital (leverage) ratio | 14.5144% | 697 |
| Tier 1 risk-based capital ratio | 20.1917% | 1,674 |
| Total risk-based capital ratio | 21.4480% | 1,642 |
| Memoranda: | ||
| Average total assets | $488,260,500 | 1,383 |
| Average earning assets | $459,283,000 | 1,343 |
| Average equity | $70,461,000 | 1,031 |
| Average total loans | $302,128,500 | 1,429 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 4,157 |
| Cost of funding earning assets | 0.4595% | 4,028 |
| Net interest margin | 3.5191% | 3,811 |
| Noninterest income to average assets | 0.5982% | 3,106 |
| Noninterest expense to average assets | 2.1878% | 5,661 |
| Loan and lease loss provision to assets | 0.2339% | 1,538 |
| Net operating income to assets | 1.0340% | 2,185 |
| Return on assets (ROA) | 1.0443% | 2,209 |
| Pretax return on assets | 1.5008% | 1,446 |
| Return on Equity (ROE) | 7.5430% | 3,273 |
| Retained earnings to average equity (ytd only) | 4.8700% | 2,684 |
| Net charge-offs to loans | 0.4018% | 1,679 |
| Credit loss provision to net charge-offs | 94.5294% | 2,641 |
| Earnings coverage of net charge-offs (x) | 6.9509% | 2,944 |
| Efficiency ratio | 55.9857% | 5,948 |
| Assets per employee ($millions) | 4.7576% | 2,505 |
| Cash dividends to net income (ytd only)* | 35.4365% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0082% | 1,524 |
| Loan loss allowance to noncurrent loans | 120.5026% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.4556% | 2,561 |
| Noncurrent loans to loans | 1.6665% | 2,408 |
| Net loans and leases to total assets | 60.1635% | 3,683 |
| Net loans and leases to deposits | 77.0610% | 2,847 |
| Net loans and leases to core deposits | 79.0582% | 3,233 |
| Total domestic deposits to total assets | 78.0726% | 5,819 |
| Equity capital to assets | 14.1543% | 861 |
| Core capital (leverage) ratio | 14.5267% | 684 |
| Tier 1 risk-based capital ratio | 20.1064% | 1,630 |
| Total risk-based capital ratio | 21.3623% | 1,597 |
| Memoranda: | ||
| Average total assets | $502,341,800 | 1,327 |
| Average earning assets | $472,423,800 | 1,288 |
| Average equity | $69,548,000 | 1,031 |
| Average total loans | $309,335,800 | 1,373 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9598% | 4,285 |
| Cost of funding earning assets | 0.4758% | 4,012 |
| Net interest margin | 3.4840% | 3,951 |
| Noninterest income to average assets | 0.3039% | 5,269 |
| Noninterest expense to average assets | 1.9833% | 6,044 |
| Loan and lease loss provision to assets | 0.1517% | 2,371 |
| Net operating income to assets | 1.0152% | 2,316 |
| Return on assets (ROA) | 1.0288% | 2,346 |
| Pretax return on assets | 1.4665% | 1,710 |
| Return on Equity (ROE) | 7.4716% | 3,397 |
| Retained earnings to average equity (ytd only) | 5.8355% | 2,519 |
| Net charge-offs to loans | 0.0586% | 4,066 |
| Credit loss provision to net charge-offs | 419.7080% | 636 |
| Earnings coverage of net charge-offs (x) | 44.2341% | 940 |
| Efficiency ratio | 55.3690% | 5,987 |
| Assets per employee ($millions) | 4.6747% | 2,611 |
| Cash dividends to net income (ytd only)* | 21.8975% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1080% | 1,484 |
| Loan loss allowance to noncurrent loans | 73.9553% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 2.3680% | 1,657 |
| Noncurrent loans to loans | 2.8503% | 1,448 |
| Net loans and leases to total assets | 61.9509% | 3,372 |
| Net loans and leases to deposits | 78.1180% | 2,649 |
| Net loans and leases to core deposits | 80.3025% | 3,099 |
| Total domestic deposits to total assets | 79.3043% | 5,674 |
| Equity capital to assets | 14.1908% | 910 |
| Core capital (leverage) ratio | 14.0405% | 860 |
| Tier 1 risk-based capital ratio | 19.4870% | 1,863 |
| Total risk-based capital ratio | 20.7443% | 1,828 |
| Memoranda: | ||
| Average total assets | $505,418,250 | 1,326 |
| Average earning assets | $475,537,500 | 1,291 |
| Average equity | $69,594,750 | 1,034 |
| Average total loans | $311,453,500 | 1,365 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9188% | 4,411 |
| Cost of funding earning assets | 0.4828% | 4,059 |
| Net interest margin | 3.4359% | 4,056 |
| Noninterest income to average assets | 0.2720% | 5,505 |
| Noninterest expense to average assets | 1.9452% | 6,140 |
| Loan and lease loss provision to assets | 0.1470% | 2,495 |
| Net operating income to assets | 0.9655% | 2,487 |
| Return on assets (ROA) | 0.9865% | 2,528 |
| Pretax return on assets | 1.4435% | 1,788 |
| Return on Equity (ROE) | 7.2354% | 3,476 |
| Retained earnings to average equity (ytd only) | 4.7805% | 3,197 |
| Net charge-offs to loans | 0.0686% | 3,729 |
| Credit loss provision to net charge-offs | 350.4673% | 742 |
| Earnings coverage of net charge-offs (x) | 37.1869% | 976 |
| Efficiency ratio | 55.5021% | 6,020 |
| Assets per employee ($millions) | 4.8435% | 2,308 |
| Cash dividends to net income (ytd only)* | 33.9293% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0459% | 1,754 |
| Loan loss allowance to noncurrent loans | 125.2061% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 1.5524% | 2,782 |
| Noncurrent loans to loans | 1.6340% | 2,864 |
| Net loans and leases to total assets | 60.0444% | 3,647 |
| Net loans and leases to deposits | 77.4833% | 2,643 |
| Net loans and leases to core deposits | 79.7278% | 3,057 |
| Total domestic deposits to total assets | 77.4934% | 6,063 |
| Equity capital to assets | 13.6046% | 1,085 |
| Core capital (leverage) ratio | 13.5398% | 963 |
| Tier 1 risk-based capital ratio | 19.2762% | 1,914 |
| Total risk-based capital ratio | 20.5330% | 1,881 |
| Memoranda: | ||
| Average total assets | $510,276,000 | 1,307 |
| Average earning assets | $480,101,000 | 1,280 |
| Average equity | $69,574,670 | 1,038 |
| Average total loans | $311,727,670 | 1,361 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9440% | 4,313 |
| Cost of funding earning assets | 0.4931% | 4,149 |
| Net interest margin | 3.4509% | 3,901 |
| Noninterest income to average assets | 0.3240% | 5,111 |
| Noninterest expense to average assets | 1.9447% | 6,204 |
| Loan and lease loss provision to assets | 0.2152% | 1,725 |
| Net operating income to assets | 0.9604% | 2,399 |
| Return on assets (ROA) | 0.9657% | 2,504 |
| Pretax return on assets | 1.4141% | 1,813 |
| Return on Equity (ROE) | 7.0749% | 3,455 |
| Retained earnings to average equity (ytd only) | 7.0749% | 2,119 |
| Net charge-offs to loans | 0.1373% | 2,582 |
| Credit loss provision to net charge-offs | 257.0093% | 907 |
| Earnings coverage of net charge-offs (x) | 19.3645% | 1,226 |
| Efficiency ratio | 54.5315% | 6,188 |
| Assets per employee ($millions) | 4.8222% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0106% | 2,013 |
| Loan loss allowance to noncurrent loans | 129.7375% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 1.7341% | 2,690 |
| Noncurrent loans to loans | 1.5498% | 3,225 |
| Net loans and leases to total assets | 59.8566% | 3,452 |
| Net loans and leases to deposits | 76.9660% | 2,492 |
| Net loans and leases to core deposits | 79.1305% | 2,911 |
| Total domestic deposits to total assets | 77.7703% | 6,148 |
| Equity capital to assets | 13.7531% | 1,116 |
| Core capital (leverage) ratio | 13.5235% | 937 |
| Tier 1 risk-based capital ratio | 19.0951% | 2,014 |
| Total risk-based capital ratio | 20.3516% | 1,990 |
| Memoranda: | ||
| Average total assets | $511,129,000 | 1,317 |
| Average earning assets | $480,219,500 | 1,292 |
| Average equity | $69,767,500 | 1,044 |
| Average total loans | $311,718,500 | 1,368 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2758% | 4,297 |
| Cost of funding earning assets | 0.6164% | 4,207 |
| Net interest margin | 3.6593% | 3,831 |
| Noninterest income to average assets | 0.3256% | 5,129 |
| Noninterest expense to average assets | 1.9765% | 6,374 |
| Loan and lease loss provision to assets | 0.4511% | 1,395 |
| Net operating income to assets | 0.9465% | 2,568 |
| Return on assets (ROA) | 1.0483% | 2,327 |
| Pretax return on assets | 1.4735% | 1,768 |
| Return on Equity (ROE) | 7.7651% | 3,200 |
| Retained earnings to average equity (ytd only) | 4.4542% | 3,102 |
| Net charge-offs to loans | 0.7308% | 1,608 |
| Credit loss provision to net charge-offs | 100.8772% | 3,003 |
| Earnings coverage of net charge-offs (x) | 3.9833% | 3,527 |
| Efficiency ratio | 52.5992% | 6,410 |
| Assets per employee ($millions) | 5.1626% | 2,027 |
| Cash dividends to net income (ytd only)* | 42.6380% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9634% | 2,122 |
| Loan loss allowance to noncurrent loans | 118.1133% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 1.8171% | 2,693 |
| Noncurrent loans to loans | 1.6623% | 3,133 |
| Net loans and leases to total assets | 59.6922% | 3,654 |
| Net loans and leases to deposits | 75.5274% | 2,877 |
| Net loans and leases to core deposits | 77.6323% | 3,311 |
| Total domestic deposits to total assets | 79.0338% | 5,878 |
| Equity capital to assets | 13.5463% | 1,211 |
| Core capital (leverage) ratio | 13.2789% | 1,023 |
| Tier 1 risk-based capital ratio | 18.9740% | 1,962 |
| Total risk-based capital ratio | 20.2299% | 1,935 |
| Memoranda: | ||
| Average total assets | $509,880,600 | 1,310 |
| Average earning assets | $478,231,400 | 1,272 |
| Average equity | $68,833,400 | 1,026 |
| Average total loans | $311,970,000 | 1,349 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3250% | 4,348 |
| Cost of funding earning assets | 0.6383% | 4,294 |
| Net interest margin | 3.6867% | 3,852 |
| Noninterest income to average assets | 0.3564% | 4,972 |
| Noninterest expense to average assets | 1.9684% | 6,406 |
| Loan and lease loss provision to assets | 0.4579% | 1,358 |
| Net operating income to assets | 0.9979% | 2,519 |
| Return on assets (ROA) | 1.0636% | 2,452 |
| Pretax return on assets | 1.4807% | 1,953 |
| Return on Equity (ROE) | 7.8854% | 3,331 |
| Retained earnings to average equity (ytd only) | 7.8854% | 1,668 |
| Net charge-offs to loans | 0.9307% | 1,165 |
| Credit loss provision to net charge-offs | 80.3121% | 3,604 |
| Earnings coverage of net charge-offs (x) | 3.2400% | 3,731 |
| Efficiency ratio | 51.5875% | 6,490 |
| Assets per employee ($millions) | 4.7997% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8497% | 2,645 |
| Loan loss allowance to noncurrent loans | 222.6593% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 1.2985% | 3,699 |
| Noncurrent loans to loans | 0.8307% | 4,758 |
| Net loans and leases to total assets | 59.5945% | 3,857 |
| Net loans and leases to deposits | 74.9246% | 3,154 |
| Net loans and leases to core deposits | 77.4034% | 3,547 |
| Total domestic deposits to total assets | 79.5393% | 5,761 |
| Equity capital to assets | 14.0252% | 1,144 |
| Core capital (leverage) ratio | 13.5099% | 1,005 |
| Tier 1 risk-based capital ratio | 19.2717% | 1,930 |
| Total risk-based capital ratio | 20.5262% | 1,899 |
| Memoranda: | ||
| Average total assets | $509,575,750 | 1,329 |
| Average earning assets | $478,141,500 | 1,291 |
| Average equity | $68,733,000 | 1,030 |
| Average total loans | $312,163,250 | 1,355 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 4,334 |
| Cost of funding earning assets | 0.6616% | 4,351 |
| Net interest margin | 3.7012% | 3,812 |
| Noninterest income to average assets | 0.3648% | 4,907 |
| Noninterest expense to average assets | 1.9814% | 6,469 |
| Loan and lease loss provision to assets | 0.3519% | 1,871 |
| Net operating income to assets | 1.0084% | 2,431 |
| Return on assets (ROA) | 1.0930% | 2,291 |
| Pretax return on assets | 1.6272% | 1,469 |
| Return on Equity (ROE) | 8.2105% | 3,164 |
| Retained earnings to average equity (ytd only) | 8.2105% | 1,564 |
| Net charge-offs to loans | 0.9675% | 1,147 |
| Credit loss provision to net charge-offs | 59.2105% | 3,819 |
| Earnings coverage of net charge-offs (x) | 3.1171% | 3,497 |
| Efficiency ratio | 51.6777% | 6,526 |
| Assets per employee ($millions) | 4.7405% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7576% | 2,994 |
| Loan loss allowance to noncurrent loans | 209.4181% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 1.3457% | 3,749 |
| Noncurrent loans to loans | 0.8393% | 4,835 |
| Net loans and leases to total assets | 60.8449% | 3,653 |
| Net loans and leases to deposits | 75.8733% | 3,013 |
| Net loans and leases to core deposits | 78.1829% | 3,486 |
| Total domestic deposits to total assets | 80.1927% | 5,692 |
| Equity capital to assets | 13.8148% | 1,174 |
| Core capital (leverage) ratio | 12.9808% | 1,157 |
| Tier 1 risk-based capital ratio | 18.7237% | 2,059 |
| Total risk-based capital ratio | 19.9775% | 2,021 |
| Memoranda: | ||
| Average total assets | $511,445,670 | 1,323 |
| Average earning assets | $479,418,000 | 1,293 |
| Average equity | $68,083,330 | 1,030 |
| Average total loans | $314,219,000 | 1,348 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3752% | 4,431 |
| Cost of funding earning assets | 0.6881% | 4,385 |
| Net interest margin | 3.6871% | 3,889 |
| Noninterest income to average assets | 0.3667% | 4,936 |
| Noninterest expense to average assets | 2.0212% | 6,424 |
| Loan and lease loss provision to assets | 0.3489% | 1,790 |
| Net operating income to assets | 0.9560% | 2,655 |
| Return on assets (ROA) | 1.1188% | 2,179 |
| Pretax return on assets | 1.7119% | 1,274 |
| Return on Equity (ROE) | 8.5618% | 3,021 |
| Retained earnings to average equity (ytd only) | 8.5618% | 1,751 |
| Net charge-offs to loans | 0.5663% | 1,673 |
| Credit loss provision to net charge-offs | 100.6711% | 2,279 |
| Earnings coverage of net charge-offs (x) | 5.2237% | 2,414 |
| Efficiency ratio | 52.7519% | 6,466 |
| Assets per employee ($millions) | 4.9841% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 2,519 |
| Loan loss allowance to noncurrent loans | 218.1525% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 1.5852% | 3,480 |
| Noncurrent loans to loans | 0.8946% | 4,875 |
| Net loans and leases to total assets | 59.6269% | 3,749 |
| Net loans and leases to deposits | 75.3844% | 2,909 |
| Net loans and leases to core deposits | 77.8466% | 3,352 |
| Total domestic deposits to total assets | 79.0971% | 6,052 |
| Equity capital to assets | 13.2325% | 1,345 |
| Core capital (leverage) ratio | 12.8345% | 1,190 |
| Tier 1 risk-based capital ratio | 18.2988% | 2,206 |
| Total risk-based capital ratio | 19.5547% | 2,174 |
| Memoranda: | ||
| Average total assets | $515,920,500 | 1,318 |
| Average earning assets | $484,821,000 | 1,281 |
| Average equity | $67,415,500 | 1,038 |
| Average total loans | $315,722,000 | 1,346 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6010% | 4,675 |
| Cost of funding earning assets | 0.8948% | 4,165 |
| Net interest margin | 3.7063% | 4,270 |
| Noninterest income to average assets | 0.4241% | 4,414 |
| Noninterest expense to average assets | 2.2713% | 6,111 |
| Loan and lease loss provision to assets | 0.2068% | 4,117 |
| Net operating income to assets | 1.0190% | 2,135 |
| Return on assets (ROA) | 1.0259% | 2,251 |
| Pretax return on assets | 1.4384% | 1,658 |
| Return on Equity (ROE) | 8.1327% | 2,842 |
| Retained earnings to average equity (ytd only) | 8.1327% | 1,037 |
| Net charge-offs to loans | 0.3299% | 3,741 |
| Credit loss provision to net charge-offs | 98.7770% | 3,632 |
| Earnings coverage of net charge-offs (x) | 7.8137% | 2,253 |
| Efficiency ratio | 58.1070% | 6,041 |
| Assets per employee ($millions) | 4.8913% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9076% | 2,546 |
| Loan loss allowance to noncurrent loans | 131.3066% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 1.7742% | 3,291 |
| Noncurrent loans to loans | 1.4528% | 3,985 |
| Net loans and leases to total assets | 60.3996% | 3,921 |
| Net loans and leases to deposits | 75.6799% | 3,222 |
| Net loans and leases to core deposits | 79.0803% | 3,567 |
| Total domestic deposits to total assets | 79.8093% | 5,794 |
| Equity capital to assets | 12.9032% | 1,539 |
| Core capital (leverage) ratio | 12.5038% | 1,351 |
| Tier 1 risk-based capital ratio | 17.5973% | 2,351 |
| Total risk-based capital ratio | 18.8544% | 2,314 |
| Memoranda: | ||
| Average total assets | $507,854,600 | 1,317 |
| Average earning assets | $477,217,800 | 1,283 |
| Average equity | $64,062,200 | 1,052 |
| Average total loans | $322,206,000 | 1,317 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 4,592 |
| Cost of funding earning assets | 0.9278% | 4,212 |
| Net interest margin | 3.7425% | 4,147 |
| Noninterest income to average assets | 0.4447% | 4,335 |
| Noninterest expense to average assets | 2.2813% | 6,084 |
| Loan and lease loss provision to assets | 0.1583% | 4,486 |
| Net operating income to assets | 1.0345% | 2,198 |
| Return on assets (ROA) | 1.0427% | 2,318 |
| Pretax return on assets | 1.5312% | 1,574 |
| Return on Equity (ROE) | 8.3151% | 2,909 |
| Retained earnings to average equity (ytd only) | 8.3151% | 1,384 |
| Net charge-offs to loans | 0.1466% | 4,602 |
| Credit loss provision to net charge-offs | 169.0141% | 1,787 |
| Earnings coverage of net charge-offs (x) | 17.9043% | 1,326 |
| Efficiency ratio | 57.5867% | 6,072 |
| Assets per employee ($millions) | 4.7986% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0092% | 2,315 |
| Loan loss allowance to noncurrent loans | 163.3977% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 1.9050% | 3,258 |
| Noncurrent loans to loans | 1.2296% | 4,483 |
| Net loans and leases to total assets | 60.8668% | 3,969 |
| Net loans and leases to deposits | 76.7552% | 3,203 |
| Net loans and leases to core deposits | 80.5529% | 3,558 |
| Total domestic deposits to total assets | 79.2999% | 5,920 |
| Equity capital to assets | 12.9198% | 1,655 |
| Core capital (leverage) ratio | 12.3554% | 1,509 |
| Tier 1 risk-based capital ratio | 17.4440% | 2,471 |
| Total risk-based capital ratio | 18.7004% | 2,437 |
| Memoranda: | ||
| Average total assets | $505,199,000 | 1,329 |
| Average earning assets | $474,356,750 | 1,297 |
| Average equity | $63,352,750 | 1,071 |
| Average total loans | $322,945,500 | 1,324 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7052% | 4,510 |
| Cost of funding earning assets | 0.9583% | 4,260 |
| Net interest margin | 3.7469% | 4,047 |
| Noninterest income to average assets | 0.4234% | 4,481 |
| Noninterest expense to average assets | 2.2649% | 6,212 |
| Loan and lease loss provision to assets | 0.1389% | 4,568 |
| Net operating income to assets | 1.0178% | 2,150 |
| Return on assets (ROA) | 1.0178% | 2,242 |
| Pretax return on assets | 1.5336% | 1,423 |
| Return on Equity (ROE) | 8.1995% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.1995% | 1,384 |
| Net charge-offs to loans | 0.0086% | 5,733 |
| Credit loss provision to net charge-offs | 2,500.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 301.0714% | 114 |
| Efficiency ratio | 57.4625% | 6,233 |
| Assets per employee ($millions) | 4.7205% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0094% | 2,346 |
| Loan loss allowance to noncurrent loans | 356.7313% | 895 |
| Noncurrent assets plus other real estate owned to assets | 1.4191% | 4,086 |
| Noncurrent loans to loans | 0.5633% | 5,791 |
| Net loans and leases to total assets | 62.1665% | 3,859 |
| Net loans and leases to deposits | 78.4162% | 3,053 |
| Net loans and leases to core deposits | 82.3135% | 3,455 |
| Total domestic deposits to total assets | 79.2777% | 6,015 |
| Equity capital to assets | 12.7138% | 1,666 |
| Core capital (leverage) ratio | 12.0965% | 1,557 |
| Tier 1 risk-based capital ratio | 16.8437% | 2,589 |
| Total risk-based capital ratio | 18.1003% | 2,554 |
| Memoranda: | ||
| Average total assets | $504,047,000 | 1,339 |
| Average earning assets | $472,712,000 | 1,302 |
| Average equity | $62,564,670 | 1,079 |
| Average total loans | $325,277,330 | 1,324 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6719% | 4,641 |
| Cost of funding earning assets | 0.9925% | 4,252 |
| Net interest margin | 3.6794% | 4,204 |
| Noninterest income to average assets | 0.4187% | 4,554 |
| Noninterest expense to average assets | 2.2482% | 6,307 |
| Loan and lease loss provision to assets | 0.1589% | 4,042 |
| Net operating income to assets | 0.9787% | 2,251 |
| Return on assets (ROA) | 0.9787% | 2,311 |
| Pretax return on assets | 1.4633% | 1,560 |
| Return on Equity (ROE) | 7.9821% | 2,922 |
| Retained earnings to average equity (ytd only) | 7.9821% | 1,742 |
| Net charge-offs to loans | -0.0098% | 6,361 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9639% | 6,276 |
| Assets per employee ($millions) | 4.6446% | 2,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9614% | 2,511 |
| Loan loss allowance to noncurrent loans | 288.8330% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 1.5576% | 3,916 |
| Noncurrent loans to loans | 0.6791% | 5,665 |
| Net loans and leases to total assets | 61.7449% | 3,911 |
| Net loans and leases to deposits | 77.2041% | 3,215 |
| Net loans and leases to core deposits | 80.9677% | 3,607 |
| Total domestic deposits to total assets | 79.9762% | 5,955 |
| Equity capital to assets | 12.2258% | 1,773 |
| Core capital (leverage) ratio | 11.8518% | 1,649 |
| Tier 1 risk-based capital ratio | 16.4365% | 2,692 |
| Total risk-based capital ratio | 17.6926% | 2,663 |
| Memoranda: | ||
| Average total assets | $503,521,500 | 1,338 |
| Average earning assets | $472,360,500 | 1,309 |
| Average equity | $61,738,500 | 1,088 |
| Average total loans | $327,695,500 | 1,329 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9116% | 4,966 |
| Cost of funding earning assets | 1.2548% | 4,185 |
| Net interest margin | 3.6568% | 4,542 |
| Noninterest income to average assets | 0.4800% | 4,317 |
| Noninterest expense to average assets | 2.1173% | 6,808 |
| Loan and lease loss provision to assets | 0.4172% | 3,604 |
| Net operating income to assets | 0.9301% | 2,276 |
| Return on assets (ROA) | 0.9712% | 2,250 |
| Pretax return on assets | 1.4465% | 1,521 |
| Return on Equity (ROE) | 8.1551% | 2,639 |
| Retained earnings to average equity (ytd only) | 8.1551% | 936 |
| Net charge-offs to loans | 0.6845% | 2,957 |
| Credit loss provision to net charge-offs | 92.3865% | 5,022 |
| Earnings coverage of net charge-offs (x) | 3.9911% | 3,115 |
| Efficiency ratio | 53.9602% | 6,811 |
| Assets per employee ($millions) | 4.4697% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8293% | 2,761 |
| Loan loss allowance to noncurrent loans | 330.0703% | 939 |
| Noncurrent assets plus other real estate owned to assets | 1.6687% | 3,801 |
| Noncurrent loans to loans | 0.5542% | 5,940 |
| Net loans and leases to total assets | 66.0137% | 3,466 |
| Net loans and leases to deposits | 82.3759% | 2,731 |
| Net loans and leases to core deposits | 85.8889% | 3,333 |
| Total domestic deposits to total assets | 80.1371% | 5,796 |
| Equity capital to assets | 12.2979% | 1,743 |
| Core capital (leverage) ratio | 11.6917% | 1,731 |
| Tier 1 risk-based capital ratio | 15.6505% | 2,929 |
| Total risk-based capital ratio | 16.9052% | 2,881 |
| Memoranda: | ||
| Average total assets | $497,338,400 | 1,355 |
| Average earning assets | $467,811,400 | 1,313 |
| Average equity | $59,226,600 | 1,122 |
| Average total loans | $328,116,400 | 1,364 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9369% | 5,092 |
| Cost of funding earning assets | 1.2985% | 4,230 |
| Net interest margin | 3.6385% | 4,684 |
| Noninterest income to average assets | 0.4874% | 4,285 |
| Noninterest expense to average assets | 2.1453% | 6,745 |
| Loan and lease loss provision to assets | 0.4381% | 3,284 |
| Net operating income to assets | 0.8959% | 2,626 |
| Return on assets (ROA) | 0.9503% | 2,543 |
| Pretax return on assets | 1.4117% | 1,849 |
| Return on Equity (ROE) | 8.0457% | 2,878 |
| Retained earnings to average equity (ytd only) | 8.0457% | 1,406 |
| Net charge-offs to loans | 0.6896% | 2,700 |
| Credit loss provision to net charge-offs | 96.7456% | 4,481 |
| Earnings coverage of net charge-offs (x) | 3.9059% | 3,259 |
| Efficiency ratio | 54.7371% | 6,717 |
| Assets per employee ($millions) | 4.4700% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9156% | 2,436 |
| Loan loss allowance to noncurrent loans | 66.6274% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 2.8640% | 2,534 |
| Noncurrent loans to loans | 2.8752% | 2,778 |
| Net loans and leases to total assets | 64.1768% | 4,090 |
| Net loans and leases to deposits | 79.2598% | 3,587 |
| Net loans and leases to core deposits | 82.9195% | 4,097 |
| Total domestic deposits to total assets | 80.9701% | 5,377 |
| Equity capital to assets | 12.2056% | 2,031 |
| Core capital (leverage) ratio | 11.4655% | 1,958 |
| Tier 1 risk-based capital ratio | 15.8442% | 2,843 |
| Total risk-based capital ratio | 17.1002% | 2,784 |
| Memoranda: | ||
| Average total assets | $497,637,750 | 1,366 |
| Average earning assets | $468,648,000 | 1,322 |
| Average equity | $58,779,500 | 1,140 |
| Average total loans | $326,739,500 | 1,383 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 5,120 |
| Cost of funding earning assets | 1.3339% | 4,302 |
| Net interest margin | 3.6279% | 4,701 |
| Noninterest income to average assets | 0.4497% | 4,520 |
| Noninterest expense to average assets | 2.1199% | 6,839 |
| Loan and lease loss provision to assets | 0.5360% | 2,638 |
| Net operating income to assets | 0.8298% | 2,826 |
| Return on assets (ROA) | 0.9106% | 2,623 |
| Pretax return on assets | 1.3294% | 2,004 |
| Return on Equity (ROE) | 7.7957% | 2,966 |
| Retained earnings to average equity (ytd only) | 7.7957% | 1,512 |
| Net charge-offs to loans | 0.8692% | 2,095 |
| Credit loss provision to net charge-offs | 93.8159% | 4,299 |
| Earnings coverage of net charge-offs (x) | 3.0569% | 3,475 |
| Efficiency ratio | 54.7144% | 6,797 |
| Assets per employee ($millions) | 4.3644% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9227% | 2,363 |
| Loan loss allowance to noncurrent loans | 166.8735% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 1.4899% | 4,226 |
| Noncurrent loans to loans | 1.1522% | 5,033 |
| Net loans and leases to total assets | 62.3293% | 4,620 |
| Net loans and leases to deposits | 76.6679% | 4,207 |
| Net loans and leases to core deposits | 80.2888% | 4,661 |
| Total domestic deposits to total assets | 81.2978% | 5,294 |
| Equity capital to assets | 11.7309% | 2,261 |
| Core capital (leverage) ratio | 11.1154% | 2,157 |
| Tier 1 risk-based capital ratio | 15.4539% | 2,919 |
| Total risk-based capital ratio | 16.7095% | 2,881 |
| Memoranda: | ||
| Average total assets | $498,128,000 | 1,364 |
| Average earning assets | $469,137,000 | 1,324 |
| Average equity | $58,186,000 | 1,142 |
| Average total loans | $327,438,330 | 1,397 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0466% | 4,800 |
| Cost of funding earning assets | 1.3567% | 4,441 |
| Net interest margin | 3.6900% | 4,298 |
| Noninterest income to average assets | 0.4923% | 4,104 |
| Noninterest expense to average assets | 2.2014% | 6,686 |
| Loan and lease loss provision to assets | 0.3441% | 3,319 |
| Net operating income to assets | 0.9652% | 2,310 |
| Return on assets (ROA) | 1.0566% | 2,046 |
| Pretax return on assets | 1.5561% | 1,376 |
| Return on Equity (ROE) | 9.0650% | 2,474 |
| Retained earnings to average equity (ytd only) | 9.0650% | 1,386 |
| Net charge-offs to loans | 1.0694% | 1,563 |
| Credit loss provision to net charge-offs | 48.1314% | 4,514 |
| Earnings coverage of net charge-offs (x) | 2.4700% | 3,308 |
| Efficiency ratio | 55.2653% | 6,851 |
| Assets per employee ($millions) | 4.2392% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7981% | 2,737 |
| Loan loss allowance to noncurrent loans | 154.4754% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 1.6446% | 4,016 |
| Noncurrent loans to loans | 1.1640% | 5,036 |
| Net loans and leases to total assets | 63.4969% | 4,430 |
| Net loans and leases to deposits | 77.7916% | 4,083 |
| Net loans and leases to core deposits | 81.2601% | 4,586 |
| Total domestic deposits to total assets | 81.6243% | 5,223 |
| Equity capital to assets | 11.6402% | 2,271 |
| Core capital (leverage) ratio | 11.2206% | 2,077 |
| Tier 1 risk-based capital ratio | 15.1799% | 3,023 |
| Total risk-based capital ratio | 16.4344% | 2,983 |
| Memoranda: | ||
| Average total assets | $494,056,500 | 1,409 |
| Average earning assets | $465,260,000 | 1,365 |
| Average equity | $57,584,000 | 1,156 |
| Average total loans | $330,287,000 | 1,424 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4179% | 4,603 |
| Cost of funding earning assets | 1.6414% | 4,839 |
| Net interest margin | 3.7765% | 3,815 |
| Noninterest income to average assets | 0.5504% | 4,024 |
| Noninterest expense to average assets | 2.3812% | 6,522 |
| Loan and lease loss provision to assets | 0.5251% | 3,745 |
| Net operating income to assets | 0.8759% | 2,261 |
| Return on assets (ROA) | 0.8904% | 2,278 |
| Pretax return on assets | 1.2163% | 1,913 |
| Return on Equity (ROE) | 7.3940% | 2,622 |
| Retained earnings to average equity (ytd only) | 4.2329% | 2,256 |
| Net charge-offs to loans | 0.3755% | 4,330 |
| Credit loss provision to net charge-offs | 200.4132% | 1,945 |
| Earnings coverage of net charge-offs (x) | 6.5702% | 2,336 |
| Efficiency ratio | 57.9511% | 6,765 |
| Assets per employee ($millions) | 4.0998% | 3,617 |
| Cash dividends to net income (ytd only)* | 42.7529% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8610% | 2,372 |
| Loan loss allowance to noncurrent loans | 168.5653% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 1.1554% | 4,783 |
| Noncurrent loans to loans | 1.1040% | 5,118 |
| Net loans and leases to total assets | 67.8141% | 3,741 |
| Net loans and leases to deposits | 83.3937% | 3,377 |
| Net loans and leases to core deposits | 98.7146% | 4,153 |
| Total domestic deposits to total assets | 81.3180% | 5,223 |
| Equity capital to assets | 11.6709% | 2,204 |
| Core capital (leverage) ratio | 11.2992% | 2,044 |
| Tier 1 risk-based capital ratio | 14.1969% | 3,380 |
| Total risk-based capital ratio | 15.4519% | 3,333 |
| Memoranda: | ||
| Average total assets | $461,816,800 | 1,497 |
| Average earning assets | $434,395,000 | 1,460 |
| Average equity | $55,612,400 | 1,181 |
| Average total loans | $322,261,400 | 1,490 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4496% | 4,688 |
| Cost of funding earning assets | 1.6977% | 4,914 |
| Net interest margin | 3.7519% | 3,856 |
| Noninterest income to average assets | 0.5813% | 3,843 |
| Noninterest expense to average assets | 2.4804% | 6,138 |
| Loan and lease loss provision to assets | 0.4319% | 3,746 |
| Net operating income to assets | 0.8867% | 2,465 |
| Return on assets (ROA) | 0.8949% | 2,512 |
| Pretax return on assets | 1.2080% | 2,244 |
| Return on Equity (ROE) | 7.3707% | 2,921 |
| Retained earnings to average equity (ytd only) | 3.1306% | 3,569 |
| Net charge-offs to loans | 0.5073% | 3,191 |
| Credit loss provision to net charge-offs | 121.6997% | 4,167 |
| Earnings coverage of net charge-offs (x) | 4.5891% | 3,084 |
| Efficiency ratio | 60.2694% | 6,375 |
| Assets per employee ($millions) | 3.8552% | 4,065 |
| Cash dividends to net income (ytd only)* | 57.5262% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6062% | 2,963 |
| Loan loss allowance to noncurrent loans | 192.5470% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.9500% | 5,162 |
| Noncurrent loans to loans | 0.8342% | 5,628 |
| Net loans and leases to total assets | 70.4691% | 3,396 |
| Net loans and leases to deposits | 88.1068% | 2,935 |
| Net loans and leases to core deposits | 104.6309% | 3,860 |
| Total domestic deposits to total assets | 79.9815% | 5,441 |
| Equity capital to assets | 12.1430% | 2,160 |
| Core capital (leverage) ratio | 11.2369% | 2,232 |
| Tier 1 risk-based capital ratio | 14.2336% | 3,418 |
| Total risk-based capital ratio | 15.4861% | 3,367 |
| Memoranda: | ||
| Average total assets | $455,300,500 | 1,536 |
| Average earning assets | $428,109,500 | 1,493 |
| Average equity | $55,280,500 | 1,204 |
| Average total loans | $318,545,000 | 1,527 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4151% | 5,064 |
| Cost of funding earning assets | 1.7182% | 5,183 |
| Net interest margin | 3.6968% | 3,960 |
| Noninterest income to average assets | 0.5989% | 3,706 |
| Noninterest expense to average assets | 2.4498% | 6,295 |
| Loan and lease loss provision to assets | 0.3754% | 3,677 |
| Net operating income to assets | 0.9120% | 2,410 |
| Return on assets (ROA) | 0.9120% | 2,507 |
| Pretax return on assets | 1.2419% | 2,186 |
| Return on Equity (ROE) | 7.5116% | 2,970 |
| Retained earnings to average equity (ytd only) | 4.4997% | 2,793 |
| Net charge-offs to loans | 0.5123% | 2,790 |
| Credit loss provision to net charge-offs | 105.5901% | 4,357 |
| Earnings coverage of net charge-offs (x) | 4.5491% | 3,070 |
| Efficiency ratio | 60.1368% | 6,529 |
| Assets per employee ($millions) | 3.8313% | 4,022 |
| Cash dividends to net income (ytd only)* | 40.0969% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5917% | 2,781 |
| Loan loss allowance to noncurrent loans | 157.8231% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.9897% | 4,988 |
| Noncurrent loans to loans | 1.0085% | 5,189 |
| Net loans and leases to total assets | 66.9629% | 4,363 |
| Net loans and leases to deposits | 84.2129% | 3,839 |
| Net loans and leases to core deposits | 98.9316% | 4,606 |
| Total domestic deposits to total assets | 79.5162% | 5,636 |
| Equity capital to assets | 11.7440% | 2,358 |
| Core capital (leverage) ratio | 11.2088% | 2,255 |
| Tier 1 risk-based capital ratio | 14.8122% | 3,099 |
| Total risk-based capital ratio | 16.0646% | 3,031 |
| Memoranda: | ||
| Average total assets | $452,858,000 | 1,562 |
| Average earning assets | $424,851,330 | 1,525 |
| Average equity | $54,981,670 | 1,224 |
| Average total loans | $314,282,670 | 1,577 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4599% | 5,120 |
| Cost of funding earning assets | 1.7681% | 5,273 |
| Net interest margin | 3.6918% | 3,926 |
| Noninterest income to average assets | 0.5752% | 3,724 |
| Noninterest expense to average assets | 2.4433% | 6,047 |
| Loan and lease loss provision to assets | 0.3156% | 3,445 |
| Net operating income to assets | 0.9124% | 2,646 |
| Return on assets (ROA) | 0.9124% | 2,791 |
| Pretax return on assets | 1.2613% | 2,405 |
| Return on Equity (ROE) | 7.3867% | 3,427 |
| Retained earnings to average equity (ytd only) | 4.9853% | 3,136 |
| Net charge-offs to loans | 0.9721% | 1,379 |
| Credit loss provision to net charge-offs | 46.2963% | 4,736 |
| Earnings coverage of net charge-offs (x) | 2.3135% | 3,577 |
| Efficiency ratio | 60.6863% | 6,295 |
| Assets per employee ($millions) | 3.6802% | 4,378 |
| Cash dividends to net income (ytd only)* | 32.5099% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 3,116 |
| Loan loss allowance to noncurrent loans | 56.2825% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 2.1637% | 2,650 |
| Noncurrent loans to loans | 2.6204% | 2,515 |
| Net loans and leases to total assets | 68.1288% | 4,103 |
| Net loans and leases to deposits | 87.2977% | 3,420 |
| Net loans and leases to core deposits | 101.9441% | 4,352 |
| Total domestic deposits to total assets | 78.0419% | 6,000 |
| Equity capital to assets | 12.0952% | 2,203 |
| Core capital (leverage) ratio | 11.6548% | 2,066 |
| Tier 1 risk-based capital ratio | 14.7516% | 3,181 |
| Total risk-based capital ratio | 16.0026% | 3,113 |
| Memoranda: | ||
| Average total assets | $443,664,000 | 1,603 |
| Average earning assets | $413,998,000 | 1,569 |
| Average equity | $54,801,000 | 1,241 |
| Average total loans | $311,092,000 | 1,604 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2583% | 4,195 |
| Cost of funding earning assets | 2.2031% | 5,588 |
| Net interest margin | 4.0552% | 2,894 |
| Noninterest income to average assets | 0.5750% | 4,051 |
| Noninterest expense to average assets | 2.3272% | 6,622 |
| Loan and lease loss provision to assets | 0.1541% | 5,391 |
| Net operating income to assets | 1.3019% | 1,479 |
| Return on assets (ROA) | 1.3137% | 1,401 |
| Pretax return on assets | 1.8662% | 819 |
| Return on Equity (ROE) | 10.5949% | 2,054 |
| Retained earnings to average equity (ytd only) | 6.5599% | 1,317 |
| Net charge-offs to loans | 0.0793% | 5,629 |
| Credit loss provision to net charge-offs | 285.0877% | 1,597 |
| Earnings coverage of net charge-offs (x) | 37.0746% | 998 |
| Efficiency ratio | 53.6121% | 7,316 |
| Assets per employee ($millions) | 3.1231% | 5,704 |
| Cash dividends to net income (ytd only)* | 38.0841% | 3,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6499% | 2,066 |
| Loan loss allowance to noncurrent loans | 179.9715% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 1.0332% | 4,236 |
| Noncurrent loans to loans | 0.9167% | 4,786 |
| Net loans and leases to total assets | 69.9723% | 4,019 |
| Net loans and leases to deposits | 91.0548% | 3,283 |
| Net loans and leases to core deposits | 105.3329% | 4,264 |
| Total domestic deposits to total assets | 76.8464% | 6,028 |
| Equity capital to assets | 12.6237% | 1,957 |
| Core capital (leverage) ratio | 11.8711% | 2,041 |
| Tier 1 risk-based capital ratio | 14.7230% | 3,192 |
| Total risk-based capital ratio | 15.9757% | 3,111 |
| Memoranda: | ||
| Average total assets | $421,932,400 | 1,613 |
| Average earning assets | $390,761,200 | 1,589 |
| Average equity | $52,317,800 | 1,285 |
| Average total loans | $287,541,400 | 1,683 |