Home > First Bank & Trust > Performance and Condition Ratios
First Bank & Trust, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7504% | 5,517 |
| Cost of funding earning assets | 0.1593% | 5,199 |
| Net interest margin | 1.5911% | 5,508 |
| Noninterest income to average assets | 0.1977% | 4,835 |
| Noninterest expense to average assets | 0.8483% | 5,508 |
| Loan and lease loss provision to assets | 0.2889% | 481 |
| Net operating income to assets | 0.3809% | 4,995 |
| Return on assets (ROA) | 0.3809% | 4,999 |
| Pretax return on assets | 0.5176% | 4,872 |
| Return on Equity (ROE) | 3.2101% | 4,983 |
| Retained earnings to average equity (ytd only) | 3.2101% | 3,964 |
| Net charge-offs to loans | 0.2047% | 779 |
| Credit loss provision to net charge-offs | 184.3915% | 1,380 |
| Earnings coverage of net charge-offs (x) | 5.1481% | 2,733 |
| Efficiency ratio | 46.1057% | 5,204 |
| Assets per employee ($millions) | 4.4027% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0874% | 5,478 |
| Loan loss allowance to noncurrent loans | 7.1205% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 0.9929% | 1,515 |
| Noncurrent loans to loans | 1.2278% | 1,409 |
| Net loans and leases to total assets | 73.9345% | 1,955 |
| Net loans and leases to deposits | 95.0201% | 1,246 |
| Net loans and leases to core deposits | 101.9462% | 1,568 |
| Total domestic deposits to total assets | 77.8094% | 4,622 |
| Equity capital to assets | 15.3425% | 619 |
| Core capital (leverage) ratio | 9.8015% | 3,788 |
| Tier 1 risk-based capital ratio | 11.8547% | 4,585 |
| Total risk-based capital ratio | 11.9397% | 5,092 |
| Memoranda: | ||
| Average total assets | $482,589,000 | 1,462 |
| Average earning assets | $441,951,670 | 1,483 |
| Average equity | $57,257,670 | 1,373 |
| Average total loans | $369,376,330 | 1,340 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3557% | 2,333 |
| Cost of funding earning assets | 0.7258% | 1,312 |
| Net interest margin | 3.6299% | 3,072 |
| Noninterest income to average assets | 0.6394% | 2,077 |
| Noninterest expense to average assets | 2.6698% | 3,134 |
| Loan and lease loss provision to assets | 0.1257% | 1,497 |
| Net operating income to assets | 0.9218% | 3,194 |
| Return on assets (ROA) | 0.9218% | 3,209 |
| Pretax return on assets | 1.2385% | 2,603 |
| Return on Equity (ROE) | 9.1553% | 2,826 |
| Retained earnings to average equity (ytd only) | 9.1553% | 1,407 |
| Net charge-offs to loans | 0.1550% | 910 |
| Credit loss provision to net charge-offs | 104.1667% | 1,501 |
| Earnings coverage of net charge-offs (x) | 11.3056% | 1,852 |
| Efficiency ratio | 66.1820% | 3,130 |
| Assets per employee ($millions) | 4.2344% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 2,821 |
| Loan loss allowance to noncurrent loans | 281.8993% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 3,187 |
| Noncurrent loans to loans | 0.4245% | 3,265 |
| Net loans and leases to total assets | 76.3230% | 1,487 |
| Net loans and leases to deposits | 92.3681% | 1,410 |
| Net loans and leases to core deposits | 98.7670% | 1,781 |
| Total domestic deposits to total assets | 82.6291% | 3,779 |
| Equity capital to assets | 10.0950% | 3,507 |
| Core capital (leverage) ratio | 10.2005% | 3,304 |
| Tier 1 risk-based capital ratio | 12.8873% | 4,011 |
| Total risk-based capital ratio | 14.0586% | 3,944 |
| Memoranda: | ||
| Average total assets | $477,333,000 | 1,483 |
| Average earning assets | $446,398,500 | 1,472 |
| Average equity | $48,059,500 | 1,578 |
| Average total loans | $371,619,000 | 1,337 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3718% | 2,107 |
| Cost of funding earning assets | 0.7096% | 975 |
| Net interest margin | 3.6621% | 2,943 |
| Noninterest income to average assets | 0.6427% | 2,241 |
| Noninterest expense to average assets | 2.6147% | 3,399 |
| Loan and lease loss provision to assets | 0.1947% | 1,073 |
| Net operating income to assets | 0.6473% | 3,828 |
| Return on assets (ROA) | 0.6498% | 3,859 |
| Pretax return on assets | 1.2539% | 2,536 |
| Return on Equity (ROE) | 6.3569% | 3,601 |
| Retained earnings to average equity (ytd only) | 2.9823% | 3,515 |
| Net charge-offs to loans | 0.3234% | 784 |
| Credit loss provision to net charge-offs | 77.0478% | 2,989 |
| Earnings coverage of net charge-offs (x) | 5.7176% | 3,281 |
| Efficiency ratio | 64.4060% | 3,548 |
| Assets per employee ($millions) | 4.0354% | 3,905 |
| Cash dividends to net income (ytd only)* | 53.0856% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 2,883 |
| Loan loss allowance to noncurrent loans | 187.1610% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.6166% | 2,480 |
| Noncurrent loans to loans | 0.6317% | 2,638 |
| Net loans and leases to total assets | 77.5344% | 1,347 |
| Net loans and leases to deposits | 93.9890% | 1,274 |
| Net loans and leases to core deposits | 100.6400% | 1,665 |
| Total domestic deposits to total assets | 82.4930% | 3,736 |
| Equity capital to assets | 10.0416% | 3,659 |
| Core capital (leverage) ratio | 10.0712% | 3,361 |
| Tier 1 risk-based capital ratio | 12.5257% | 4,193 |
| Total risk-based capital ratio | 13.6891% | 4,147 |
| Memoranda: | ||
| Average total assets | $463,847,200 | 1,499 |
| Average earning assets | $432,754,200 | 1,497 |
| Average equity | $47,413,400 | 1,584 |
| Average total loans | $362,343,600 | 1,341 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3563% | 2,090 |
| Cost of funding earning assets | 0.7009% | 961 |
| Net interest margin | 3.6554% | 2,930 |
| Noninterest income to average assets | 0.6464% | 2,226 |
| Noninterest expense to average assets | 2.6798% | 3,130 |
| Loan and lease loss provision to assets | 0.1432% | 1,473 |
| Net operating income to assets | 0.7884% | 3,567 |
| Return on assets (ROA) | 0.7917% | 3,607 |
| Pretax return on assets | 1.2376% | 2,757 |
| Return on Equity (ROE) | 7.7102% | 3,288 |
| Retained earnings to average equity (ytd only) | 4.3285% | 3,330 |
| Net charge-offs to loans | 0.2959% | 715 |
| Credit loss provision to net charge-offs | 62.0301% | 2,783 |
| Earnings coverage of net charge-offs (x) | 5.9574% | 3,043 |
| Efficiency ratio | 66.0721% | 3,197 |
| Assets per employee ($millions) | 3.9701% | 4,038 |
| Cash dividends to net income (ytd only)* | 43.8596% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 2,983 |
| Loan loss allowance to noncurrent loans | 113.4904% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.8353% | 2,057 |
| Noncurrent loans to loans | 1.0490% | 1,845 |
| Net loans and leases to total assets | 78.3175% | 1,223 |
| Net loans and leases to deposits | 95.3492% | 1,169 |
| Net loans and leases to core deposits | 101.4889% | 1,583 |
| Total domestic deposits to total assets | 82.1376% | 3,734 |
| Equity capital to assets | 10.4045% | 3,474 |
| Core capital (leverage) ratio | 10.1793% | 3,337 |
| Tier 1 risk-based capital ratio | 12.8115% | 4,137 |
| Total risk-based capital ratio | 13.9928% | 4,074 |
| Memoranda: | ||
| Average total assets | $460,763,750 | 1,519 |
| Average earning assets | $429,707,500 | 1,518 |
| Average equity | $47,312,750 | 1,603 |
| Average total loans | $359,524,250 | 1,359 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2948% | 2,149 |
| Cost of funding earning assets | 0.6931% | 925 |
| Net interest margin | 3.6017% | 3,033 |
| Noninterest income to average assets | 0.6485% | 2,213 |
| Noninterest expense to average assets | 2.6750% | 3,179 |
| Loan and lease loss provision to assets | 0.1327% | 1,565 |
| Net operating income to assets | 0.7712% | 3,537 |
| Return on assets (ROA) | 0.7712% | 3,587 |
| Pretax return on assets | 1.1995% | 2,773 |
| Return on Equity (ROE) | 7.5446% | 3,270 |
| Retained earnings to average equity (ytd only) | 4.1385% | 3,242 |
| Net charge-offs to loans | 0.1766% | 1,120 |
| Credit loss provision to net charge-offs | 96.8254% | 2,074 |
| Earnings coverage of net charge-offs (x) | 9.7175% | 2,403 |
| Efficiency ratio | 66.7427% | 3,219 |
| Assets per employee ($millions) | 4.0469% | 3,880 |
| Cash dividends to net income (ytd only)* | 45.1467% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,604 |
| Loan loss allowance to noncurrent loans | 125.9020% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.8131% | 2,176 |
| Noncurrent loans to loans | 1.0032% | 1,954 |
| Net loans and leases to total assets | 78.5430% | 1,159 |
| Net loans and leases to deposits | 95.4961% | 1,119 |
| Net loans and leases to core deposits | 101.4918% | 1,549 |
| Total domestic deposits to total assets | 82.2474% | 3,817 |
| Equity capital to assets | 10.2824% | 3,588 |
| Core capital (leverage) ratio | 10.1491% | 3,336 |
| Tier 1 risk-based capital ratio | 12.5107% | 4,299 |
| Total risk-based capital ratio | 13.7566% | 4,196 |
| Memoranda: | ||
| Average total assets | $459,518,330 | 1,531 |
| Average earning assets | $428,519,670 | 1,523 |
| Average equity | $46,974,000 | 1,615 |
| Average total loans | $356,643,000 | 1,372 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2383% | 2,139 |
| Cost of funding earning assets | 0.7133% | 785 |
| Net interest margin | 3.5250% | 3,182 |
| Noninterest income to average assets | 0.6579% | 2,143 |
| Noninterest expense to average assets | 2.7526% | 2,943 |
| Loan and lease loss provision to assets | 0.1051% | 1,819 |
| Net operating income to assets | 0.6974% | 3,720 |
| Return on assets (ROA) | 0.6974% | 3,758 |
| Pretax return on assets | 1.0820% | 3,053 |
| Return on Equity (ROE) | 6.8423% | 3,472 |
| Retained earnings to average equity (ytd only) | 3.4040% | 3,739 |
| Net charge-offs to loans | 0.2710% | 674 |
| Credit loss provision to net charge-offs | 50.6329% | 1,978 |
| Earnings coverage of net charge-offs (x) | 5.7173% | 2,267 |
| Efficiency ratio | 69.8688% | 2,918 |
| Assets per employee ($millions) | 4.0746% | 3,894 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 2,479 |
| Loan loss allowance to noncurrent loans | 130.7670% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 2,363 |
| Noncurrent loans to loans | 1.0030% | 2,044 |
| Net loans and leases to total assets | 74.6674% | 1,634 |
| Net loans and leases to deposits | 91.9532% | 1,332 |
| Net loans and leases to core deposits | 97.3471% | 1,718 |
| Total domestic deposits to total assets | 81.2016% | 4,368 |
| Equity capital to assets | 10.1862% | 3,525 |
| Core capital (leverage) ratio | 10.0828% | 3,394 |
| Tier 1 risk-based capital ratio | 13.1354% | 4,007 |
| Total risk-based capital ratio | 14.3860% | 3,908 |
| Memoranda: | ||
| Average total assets | $456,579,500 | 1,547 |
| Average earning assets | $425,075,500 | 1,542 |
| Average equity | $46,534,000 | 1,630 |
| Average total loans | $349,858,500 | 1,401 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 1,759 |
| Cost of funding earning assets | 0.7490% | 638 |
| Net interest margin | 3.6762% | 2,795 |
| Noninterest income to average assets | 0.7174% | 2,090 |
| Noninterest expense to average assets | 2.7498% | 3,192 |
| Loan and lease loss provision to assets | 0.1069% | 2,262 |
| Net operating income to assets | 0.8150% | 3,237 |
| Return on assets (ROA) | 0.8226% | 3,292 |
| Pretax return on assets | 1.2865% | 2,326 |
| Return on Equity (ROE) | 8.0087% | 2,927 |
| Retained earnings to average equity (ytd only) | 3.4534% | 3,469 |
| Net charge-offs to loans | 0.0981% | 2,315 |
| Credit loss provision to net charge-offs | 139.5349% | 1,956 |
| Earnings coverage of net charge-offs (x) | 18.0262% | 1,999 |
| Efficiency ratio | 66.3701% | 3,535 |
| Assets per employee ($millions) | 4.0065% | 3,955 |
| Cash dividends to net income (ytd only)* | 56.8797% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 2,367 |
| Loan loss allowance to noncurrent loans | 482.5953% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 4,206 |
| Noncurrent loans to loans | 0.2764% | 4,169 |
| Net loans and leases to total assets | 76.5736% | 1,426 |
| Net loans and leases to deposits | 94.5205% | 1,141 |
| Net loans and leases to core deposits | 100.4742% | 1,583 |
| Total domestic deposits to total assets | 81.0126% | 4,326 |
| Equity capital to assets | 10.1976% | 3,492 |
| Core capital (leverage) ratio | 10.1801% | 3,252 |
| Tier 1 risk-based capital ratio | 12.7980% | 4,205 |
| Total risk-based capital ratio | 14.0488% | 4,095 |
| Memoranda: | ||
| Average total assets | $448,825,000 | 1,514 |
| Average earning assets | $416,820,400 | 1,508 |
| Average equity | $46,099,800 | 1,636 |
| Average total loans | $350,721,400 | 1,337 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 1,801 |
| Cost of funding earning assets | 0.7556% | 620 |
| Net interest margin | 3.6632% | 2,850 |
| Noninterest income to average assets | 0.6996% | 2,170 |
| Noninterest expense to average assets | 2.7788% | 3,084 |
| Loan and lease loss provision to assets | 0.1072% | 2,138 |
| Net operating income to assets | 0.7797% | 3,458 |
| Return on assets (ROA) | 0.7898% | 3,554 |
| Pretax return on assets | 1.2313% | 2,698 |
| Return on Equity (ROE) | 7.6758% | 3,200 |
| Retained earnings to average equity (ytd only) | 3.6253% | 3,715 |
| Net charge-offs to loans | 0.0650% | 2,411 |
| Credit loss provision to net charge-offs | 210.5263% | 1,391 |
| Earnings coverage of net charge-offs (x) | 25.9829% | 1,614 |
| Efficiency ratio | 67.5474% | 3,309 |
| Assets per employee ($millions) | 3.9722% | 4,015 |
| Cash dividends to net income (ytd only)* | 52.7705% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 2,507 |
| Loan loss allowance to noncurrent loans | 448.7689% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 4,222 |
| Noncurrent loans to loans | 0.2976% | 4,189 |
| Net loans and leases to total assets | 77.9886% | 1,196 |
| Net loans and leases to deposits | 96.6197% | 986 |
| Net loans and leases to core deposits | 103.4242% | 1,386 |
| Total domestic deposits to total assets | 80.7171% | 4,318 |
| Equity capital to assets | 10.4805% | 3,587 |
| Core capital (leverage) ratio | 10.2454% | 3,288 |
| Tier 1 risk-based capital ratio | 12.6452% | 4,375 |
| Total risk-based capital ratio | 13.8963% | 4,284 |
| Memoranda: | ||
| Average total assets | $447,848,250 | 1,518 |
| Average earning assets | $415,914,000 | 1,516 |
| Average equity | $46,082,750 | 1,646 |
| Average total loans | $350,562,000 | 1,333 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3960% | 1,840 |
| Cost of funding earning assets | 0.7705% | 567 |
| Net interest margin | 3.6254% | 2,992 |
| Noninterest income to average assets | 0.6489% | 2,375 |
| Noninterest expense to average assets | 2.7691% | 3,137 |
| Loan and lease loss provision to assets | 0.1073% | 2,071 |
| Net operating income to assets | 0.7338% | 3,633 |
| Return on assets (ROA) | 0.7338% | 3,795 |
| Pretax return on assets | 1.1392% | 3,045 |
| Return on Equity (ROE) | 7.1762% | 3,442 |
| Retained earnings to average equity (ytd only) | 3.2428% | 3,827 |
| Net charge-offs to loans | 0.0899% | 1,942 |
| Credit loss provision to net charge-offs | 152.8662% | 1,568 |
| Earnings coverage of net charge-offs (x) | 17.7643% | 1,862 |
| Efficiency ratio | 68.7479% | 3,203 |
| Assets per employee ($millions) | 3.9428% | 4,012 |
| Cash dividends to net income (ytd only)* | 54.8112% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 2,587 |
| Loan loss allowance to noncurrent loans | 391.9628% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 4,216 |
| Noncurrent loans to loans | 0.3410% | 4,141 |
| Net loans and leases to total assets | 76.7524% | 1,375 |
| Net loans and leases to deposits | 95.1933% | 1,168 |
| Net loans and leases to core deposits | 101.7717% | 1,492 |
| Total domestic deposits to total assets | 80.6280% | 4,384 |
| Equity capital to assets | 10.4194% | 3,716 |
| Core capital (leverage) ratio | 10.0603% | 3,498 |
| Tier 1 risk-based capital ratio | 12.7233% | 4,371 |
| Total risk-based capital ratio | 13.9743% | 4,276 |
| Memoranda: | ||
| Average total assets | $447,510,000 | 1,526 |
| Average earning assets | $415,563,670 | 1,516 |
| Average equity | $45,762,670 | 1,660 |
| Average total loans | $349,149,000 | 1,337 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3814% | 1,855 |
| Cost of funding earning assets | 0.8079% | 474 |
| Net interest margin | 3.5735% | 3,191 |
| Noninterest income to average assets | 0.5895% | 2,594 |
| Noninterest expense to average assets | 2.7924% | 3,096 |
| Loan and lease loss provision to assets | 0.1070% | 1,918 |
| Net operating income to assets | 0.6546% | 3,955 |
| Return on assets (ROA) | 0.6546% | 4,074 |
| Pretax return on assets | 1.0078% | 3,449 |
| Return on Equity (ROE) | 6.4623% | 3,749 |
| Retained earnings to average equity (ytd only) | 2.9406% | 4,044 |
| Net charge-offs to loans | 0.0913% | 1,594 |
| Credit loss provision to net charge-offs | 150.0000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 15.6250% | 1,653 |
| Efficiency ratio | 71.2394% | 2,913 |
| Assets per employee ($millions) | 3.9951% | 3,954 |
| Cash dividends to net income (ytd only)* | 54.4959% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 2,789 |
| Loan loss allowance to noncurrent loans | 498.9130% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 4,503 |
| Noncurrent loans to loans | 0.2649% | 4,487 |
| Net loans and leases to total assets | 76.5857% | 1,308 |
| Net loans and leases to deposits | 94.6155% | 1,083 |
| Net loans and leases to core deposits | 99.7688% | 1,500 |
| Total domestic deposits to total assets | 80.9442% | 4,507 |
| Equity capital to assets | 10.2303% | 3,817 |
| Core capital (leverage) ratio | 9.9700% | 3,572 |
| Tier 1 risk-based capital ratio | 12.6542% | 4,482 |
| Total risk-based capital ratio | 13.9050% | 4,392 |
| Memoranda: | ||
| Average total assets | $448,497,500 | 1,531 |
| Average earning assets | $416,394,000 | 1,520 |
| Average equity | $45,433,000 | 1,663 |
| Average total loans | $350,427,500 | 1,331 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4174% | 1,846 |
| Cost of funding earning assets | 0.7724% | 569 |
| Net interest margin | 3.6450% | 2,961 |
| Noninterest income to average assets | 0.6739% | 2,327 |
| Noninterest expense to average assets | 2.7555% | 3,398 |
| Loan and lease loss provision to assets | 0.1318% | 1,817 |
| Net operating income to assets | 0.7632% | 3,514 |
| Return on assets (ROA) | 0.7691% | 3,555 |
| Pretax return on assets | 1.1771% | 2,742 |
| Return on Equity (ROE) | 7.6295% | 3,177 |
| Retained earnings to average equity (ytd only) | 4.0232% | 3,159 |
| Net charge-offs to loans | 0.1486% | 1,880 |
| Credit loss provision to net charge-offs | 114.6245% | 2,222 |
| Earnings coverage of net charge-offs (x) | 11.3063% | 2,597 |
| Efficiency ratio | 67.6396% | 3,638 |
| Assets per employee ($millions) | 4.0138% | 3,913 |
| Cash dividends to net income (ytd only)* | 47.2674% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 2,982 |
| Loan loss allowance to noncurrent loans | 231.5522% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 3,695 |
| Noncurrent loans to loans | 0.5557% | 3,506 |
| Net loans and leases to total assets | 77.6412% | 1,176 |
| Net loans and leases to deposits | 96.1822% | 985 |
| Net loans and leases to core deposits | 101.7862% | 1,378 |
| Total domestic deposits to total assets | 80.7230% | 4,562 |
| Equity capital to assets | 10.0302% | 3,924 |
| Core capital (leverage) ratio | 9.8824% | 3,666 |
| Tier 1 risk-based capital ratio | 12.3268% | 4,745 |
| Total risk-based capital ratio | 13.5775% | 4,638 |
| Memoranda: | ||
| Average total assets | $440,132,600 | 1,516 |
| Average earning assets | $408,315,000 | 1,505 |
| Average equity | $44,367,400 | 1,663 |
| Average total loans | $340,616,200 | 1,316 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3859% | 1,965 |
| Cost of funding earning assets | 0.7602% | 619 |
| Net interest margin | 3.6258% | 3,051 |
| Noninterest income to average assets | 0.6816% | 2,321 |
| Noninterest expense to average assets | 2.7855% | 3,246 |
| Loan and lease loss provision to assets | 0.1096% | 2,050 |
| Net operating income to assets | 0.7456% | 3,699 |
| Return on assets (ROA) | 0.7535% | 3,763 |
| Pretax return on assets | 1.1616% | 2,964 |
| Return on Equity (ROE) | 7.4651% | 3,360 |
| Retained earnings to average equity (ytd only) | 4.1459% | 3,516 |
| Net charge-offs to loans | 0.1450% | 1,678 |
| Credit loss provision to net charge-offs | 98.0926% | 2,333 |
| Earnings coverage of net charge-offs (x) | 11.2643% | 2,508 |
| Efficiency ratio | 68.5617% | 3,439 |
| Assets per employee ($millions) | 3.9587% | 3,957 |
| Cash dividends to net income (ytd only)* | 44.4625% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 3,212 |
| Loan loss allowance to noncurrent loans | 168.1972% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6381% | 3,349 |
| Noncurrent loans to loans | 0.7607% | 3,060 |
| Net loans and leases to total assets | 77.7749% | 1,138 |
| Net loans and leases to deposits | 96.1866% | 988 |
| Net loans and leases to core deposits | 102.8382% | 1,315 |
| Total domestic deposits to total assets | 80.8583% | 4,512 |
| Equity capital to assets | 10.1118% | 4,038 |
| Core capital (leverage) ratio | 9.9867% | 3,650 |
| Tier 1 risk-based capital ratio | 12.3565% | 4,854 |
| Total risk-based capital ratio | 13.6071% | 4,759 |
| Memoranda: | ||
| Average total assets | $437,780,500 | 1,536 |
| Average earning assets | $406,048,000 | 1,522 |
| Average equity | $44,186,750 | 1,677 |
| Average total loans | $337,375,500 | 1,330 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3489% | 2,015 |
| Cost of funding earning assets | 0.7517% | 637 |
| Net interest margin | 3.5972% | 3,107 |
| Noninterest income to average assets | 0.6680% | 2,368 |
| Noninterest expense to average assets | 2.7973% | 3,243 |
| Loan and lease loss provision to assets | 0.1101% | 1,994 |
| Net operating income to assets | 0.7144% | 3,822 |
| Return on assets (ROA) | 0.7144% | 3,938 |
| Pretax return on assets | 1.0956% | 3,192 |
| Return on Equity (ROE) | 7.0819% | 3,562 |
| Retained earnings to average equity (ytd only) | 4.3528% | 3,247 |
| Net charge-offs to loans | 0.1626% | 1,497 |
| Credit loss provision to net charge-offs | 88.5609% | 2,221 |
| Earnings coverage of net charge-offs (x) | 9.6974% | 2,427 |
| Efficiency ratio | 69.5587% | 3,409 |
| Assets per employee ($millions) | 3.9184% | 4,037 |
| Cash dividends to net income (ytd only)* | 38.5356% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 3,198 |
| Loan loss allowance to noncurrent loans | 486.3239% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2497% | 4,874 |
| Noncurrent loans to loans | 0.2691% | 4,706 |
| Net loans and leases to total assets | 77.0553% | 1,209 |
| Net loans and leases to deposits | 95.9312% | 972 |
| Net loans and leases to core deposits | 100.3545% | 1,464 |
| Total domestic deposits to total assets | 80.3235% | 4,791 |
| Equity capital to assets | 10.1369% | 3,887 |
| Core capital (leverage) ratio | 9.9815% | 3,631 |
| Tier 1 risk-based capital ratio | 12.5434% | 4,777 |
| Total risk-based capital ratio | 13.7943% | 4,696 |
| Memoranda: | ||
| Average total assets | $435,916,670 | 1,549 |
| Average earning assets | $404,151,330 | 1,539 |
| Average equity | $43,971,330 | 1,691 |
| Average total loans | $333,400,330 | 1,348 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2746% | 2,182 |
| Cost of funding earning assets | 0.7454% | 676 |
| Net interest margin | 3.5292% | 3,303 |
| Noninterest income to average assets | 0.6563% | 2,374 |
| Noninterest expense to average assets | 2.7718% | 3,339 |
| Loan and lease loss provision to assets | 0.1100% | 1,875 |
| Net operating income to assets | 0.6865% | 3,863 |
| Return on assets (ROA) | 0.6865% | 3,992 |
| Pretax return on assets | 1.0467% | 3,312 |
| Return on Equity (ROE) | 6.8227% | 3,597 |
| Retained earnings to average equity (ytd only) | 6.8227% | 2,089 |
| Net charge-offs to loans | 0.0823% | 1,884 |
| Credit loss provision to net charge-offs | 176.4706% | 1,139 |
| Earnings coverage of net charge-offs (x) | 18.5588% | 1,484 |
| Efficiency ratio | 70.2287% | 3,447 |
| Assets per employee ($millions) | 4.0324% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 3,045 |
| Loan loss allowance to noncurrent loans | 749.6689% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 5,242 |
| Noncurrent loans to loans | 0.1832% | 5,123 |
| Net loans and leases to total assets | 73.9640% | 1,507 |
| Net loans and leases to deposits | 91.4092% | 1,244 |
| Net loans and leases to core deposits | 95.4057% | 1,658 |
| Total domestic deposits to total assets | 80.9153% | 4,846 |
| Equity capital to assets | 10.1074% | 4,007 |
| Core capital (leverage) ratio | 9.8751% | 3,786 |
| Tier 1 risk-based capital ratio | 12.9112% | 4,658 |
| Total risk-based capital ratio | 14.1622% | 4,571 |
| Memoranda: | ||
| Average total assets | $436,402,500 | 1,560 |
| Average earning assets | $404,622,000 | 1,540 |
| Average equity | $43,912,000 | 1,697 |
| Average total loans | $330,304,000 | 1,358 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5642% | 1,652 |
| Cost of funding earning assets | 0.7602% | 800 |
| Net interest margin | 3.8040% | 2,611 |
| Noninterest income to average assets | 0.6458% | 2,577 |
| Noninterest expense to average assets | 2.6870% | 3,914 |
| Loan and lease loss provision to assets | 0.1821% | 1,412 |
| Net operating income to assets | 0.8114% | 3,316 |
| Return on assets (ROA) | 0.8114% | 3,400 |
| Pretax return on assets | 1.2682% | 2,357 |
| Return on Equity (ROE) | 8.0591% | 3,105 |
| Retained earnings to average equity (ytd only) | 4.0355% | 3,334 |
| Net charge-offs to loans | 0.0679% | 3,505 |
| Credit loss provision to net charge-offs | 350.4587% | 751 |
| Earnings coverage of net charge-offs (x) | 27.9174% | 1,418 |
| Efficiency ratio | 64.4972% | 4,506 |
| Assets per employee ($millions) | 4.0493% | 3,835 |
| Cash dividends to net income (ytd only)* | 49.9266% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 3,163 |
| Loan loss allowance to noncurrent loans | 363.3117% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 4,737 |
| Noncurrent loans to loans | 0.3722% | 4,534 |
| Net loans and leases to total assets | 75.3586% | 1,358 |
| Net loans and leases to deposits | 93.2483% | 1,155 |
| Net loans and leases to core deposits | 97.9023% | 1,557 |
| Total domestic deposits to total assets | 80.8150% | 4,789 |
| Equity capital to assets | 10.0165% | 4,095 |
| Core capital (leverage) ratio | 9.9135% | 3,694 |
| Tier 1 risk-based capital ratio | 13.2468% | 4,565 |
| Total risk-based capital ratio | 14.4985% | 4,485 |
| Memoranda: | ||
| Average total assets | $419,657,200 | 1,581 |
| Average earning assets | $385,171,800 | 1,579 |
| Average equity | $42,250,400 | 1,698 |
| Average total loans | $320,897,200 | 1,354 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5668% | 1,650 |
| Cost of funding earning assets | 0.7578% | 863 |
| Net interest margin | 3.8090% | 2,582 |
| Noninterest income to average assets | 0.6457% | 2,595 |
| Noninterest expense to average assets | 2.6518% | 4,010 |
| Loan and lease loss provision to assets | 0.1919% | 1,257 |
| Net operating income to assets | 0.8248% | 3,315 |
| Return on assets (ROA) | 0.8248% | 3,405 |
| Pretax return on assets | 1.2896% | 2,413 |
| Return on Equity (ROE) | 8.1816% | 3,106 |
| Retained earnings to average equity (ytd only) | 4.3688% | 3,545 |
| Net charge-offs to loans | 0.1252% | 2,548 |
| Credit loss provision to net charge-offs | 200.3344% | 1,258 |
| Earnings coverage of net charge-offs (x) | 15.4681% | 2,046 |
| Efficiency ratio | 63.7012% | 4,599 |
| Assets per employee ($millions) | 4.0444% | 3,785 |
| Cash dividends to net income (ytd only)* | 46.6019% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 3,849 |
| Loan loss allowance to noncurrent loans | 572.3951% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 5,478 |
| Noncurrent loans to loans | 0.2210% | 5,237 |
| Net loans and leases to total assets | 77.0076% | 1,090 |
| Net loans and leases to deposits | 95.2177% | 941 |
| Net loans and leases to core deposits | 100.3630% | 1,335 |
| Total domestic deposits to total assets | 80.8752% | 4,855 |
| Equity capital to assets | 9.9954% | 4,171 |
| Core capital (leverage) ratio | 10.0462% | 3,609 |
| Tier 1 risk-based capital ratio | 13.0637% | 4,827 |
| Total risk-based capital ratio | 14.3144% | 4,751 |
| Memoranda: | ||
| Average total assets | $416,252,750 | 1,603 |
| Average earning assets | $381,119,000 | 1,607 |
| Average equity | $41,963,250 | 1,717 |
| Average total loans | $318,375,000 | 1,374 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 1,696 |
| Cost of funding earning assets | 0.7575% | 893 |
| Net interest margin | 3.7809% | 2,631 |
| Noninterest income to average assets | 0.6430% | 2,587 |
| Noninterest expense to average assets | 2.6561% | 4,029 |
| Loan and lease loss provision to assets | 0.1907% | 1,277 |
| Net operating income to assets | 0.7988% | 3,344 |
| Return on assets (ROA) | 0.7988% | 3,446 |
| Pretax return on assets | 1.2458% | 2,478 |
| Return on Equity (ROE) | 7.9007% | 3,154 |
| Retained earnings to average equity (ytd only) | 4.5407% | 3,285 |
| Net charge-offs to loans | 0.1029% | 2,653 |
| Credit loss provision to net charge-offs | 244.0994% | 1,008 |
| Earnings coverage of net charge-offs (x) | 18.3851% | 1,690 |
| Efficiency ratio | 64.4255% | 4,628 |
| Assets per employee ($millions) | 3.9787% | 3,887 |
| Cash dividends to net income (ytd only)* | 42.5273% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 3,902 |
| Loan loss allowance to noncurrent loans | 601.4451% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 5,619 |
| Noncurrent loans to loans | 0.2147% | 5,368 |
| Net loans and leases to total assets | 76.1680% | 1,139 |
| Net loans and leases to deposits | 94.8334% | 896 |
| Net loans and leases to core deposits | 100.0481% | 1,278 |
| Total domestic deposits to total assets | 80.3177% | 5,173 |
| Equity capital to assets | 10.1317% | 3,931 |
| Core capital (leverage) ratio | 10.2004% | 3,340 |
| Tier 1 risk-based capital ratio | 13.2622% | 4,748 |
| Total risk-based capital ratio | 14.5129% | 4,681 |
| Memoranda: | ||
| Average total assets | $412,101,670 | 1,617 |
| Average earning assets | $375,990,670 | 1,621 |
| Average equity | $41,667,330 | 1,723 |
| Average total loans | $313,044,670 | 1,389 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 1,805 |
| Cost of funding earning assets | 0.7596% | 931 |
| Net interest margin | 3.7424% | 2,704 |
| Noninterest income to average assets | 0.6294% | 2,573 |
| Noninterest expense to average assets | 2.6330% | 4,172 |
| Loan and lease loss provision to assets | 0.1886% | 1,265 |
| Net operating income to assets | 0.7731% | 3,288 |
| Return on assets (ROA) | 0.7731% | 3,371 |
| Pretax return on assets | 1.2168% | 2,408 |
| Return on Equity (ROE) | 7.6541% | 3,120 |
| Retained earnings to average equity (ytd only) | 7.6541% | 1,747 |
| Net charge-offs to loans | 0.1115% | 2,062 |
| Credit loss provision to net charge-offs | 224.4186% | 966 |
| Earnings coverage of net charge-offs (x) | 16.7209% | 1,495 |
| Efficiency ratio | 64.7144% | 4,740 |
| Assets per employee ($millions) | 3.9580% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 4,044 |
| Loan loss allowance to noncurrent loans | 523.6057% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 5,222 |
| Noncurrent loans to loans | 0.2511% | 5,351 |
| Net loans and leases to total assets | 73.6065% | 1,328 |
| Net loans and leases to deposits | 91.2818% | 1,007 |
| Net loans and leases to core deposits | 94.9347% | 1,474 |
| Total domestic deposits to total assets | 80.6365% | 5,337 |
| Equity capital to assets | 10.1688% | 3,640 |
| Core capital (leverage) ratio | 10.2403% | 3,232 |
| Tier 1 risk-based capital ratio | 13.6399% | 4,586 |
| Total risk-based capital ratio | 14.8908% | 4,539 |
| Memoranda: | ||
| Average total assets | $409,269,500 | 1,637 |
| Average earning assets | $372,812,500 | 1,637 |
| Average equity | $41,337,500 | 1,729 |
| Average total loans | $308,384,000 | 1,405 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7063% | 1,557 |
| Cost of funding earning assets | 0.8017% | 1,202 |
| Net interest margin | 3.9046% | 2,267 |
| Noninterest income to average assets | 0.7516% | 2,283 |
| Noninterest expense to average assets | 2.7766% | 3,808 |
| Loan and lease loss provision to assets | 0.2476% | 1,455 |
| Net operating income to assets | 0.8207% | 3,186 |
| Return on assets (ROA) | 0.8207% | 3,280 |
| Pretax return on assets | 1.2648% | 2,296 |
| Return on Equity (ROE) | 7.8884% | 3,085 |
| Retained earnings to average equity (ytd only) | 1.2033% | 5,289 |
| Net charge-offs to loans | 0.3104% | 2,132 |
| Credit loss provision to net charge-offs | 106.5288% | 2,262 |
| Earnings coverage of net charge-offs (x) | 6.5071% | 3,050 |
| Efficiency ratio | 64.1960% | 4,858 |
| Assets per employee ($millions) | 3.9126% | 4,043 |
| Cash dividends to net income (ytd only)* | 84.7458% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 4,304 |
| Loan loss allowance to noncurrent loans | 359.8901% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 4,727 |
| Noncurrent loans to loans | 0.3525% | 5,132 |
| Net loans and leases to total assets | 75.1556% | 1,202 |
| Net loans and leases to deposits | 93.0958% | 948 |
| Net loans and leases to core deposits | 96.6261% | 1,409 |
| Total domestic deposits to total assets | 80.7293% | 5,259 |
| Equity capital to assets | 10.0310% | 3,730 |
| Core capital (leverage) ratio | 10.2770% | 3,183 |
| Tier 1 risk-based capital ratio | 13.3462% | 4,751 |
| Total risk-based capital ratio | 14.5966% | 4,694 |
| Memoranda: | ||
| Average total assets | $395,413,600 | 1,673 |
| Average earning assets | $358,222,600 | 1,678 |
| Average equity | $41,136,400 | 1,702 |
| Average total loans | $296,079,800 | 1,423 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7315% | 1,521 |
| Cost of funding earning assets | 0.8068% | 1,286 |
| Net interest margin | 3.9247% | 2,182 |
| Noninterest income to average assets | 0.7921% | 2,188 |
| Noninterest expense to average assets | 2.7411% | 3,863 |
| Loan and lease loss provision to assets | 0.2816% | 1,232 |
| Net operating income to assets | 0.8566% | 3,062 |
| Return on assets (ROA) | 0.8566% | 3,177 |
| Pretax return on assets | 1.3237% | 2,238 |
| Return on Equity (ROE) | 8.1584% | 3,045 |
| Retained earnings to average equity (ytd only) | 1.8504% | 5,212 |
| Net charge-offs to loans | 0.1130% | 3,414 |
| Credit loss provision to net charge-offs | 334.2742% | 769 |
| Earnings coverage of net charge-offs (x) | 19.0564% | 1,645 |
| Efficiency ratio | 62.5039% | 5,065 |
| Assets per employee ($millions) | 3.8434% | 4,139 |
| Cash dividends to net income (ytd only)* | 77.3198% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4932% | 3,487 |
| Loan loss allowance to noncurrent loans | 280.9975% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.5797% | 4,707 |
| Noncurrent loans to loans | 0.5314% | 4,865 |
| Net loans and leases to total assets | 74.1720% | 1,267 |
| Net loans and leases to deposits | 92.4829% | 949 |
| Net loans and leases to core deposits | 96.0519% | 1,390 |
| Total domestic deposits to total assets | 80.2008% | 5,457 |
| Equity capital to assets | 10.3633% | 3,434 |
| Core capital (leverage) ratio | 10.4257% | 3,092 |
| Tier 1 risk-based capital ratio | 14.0265% | 4,410 |
| Total risk-based capital ratio | 15.2797% | 4,360 |
| Memoranda: | ||
| Average total assets | $392,540,000 | 1,692 |
| Average earning assets | $355,480,500 | 1,703 |
| Average equity | $41,216,250 | 1,708 |
| Average total loans | $292,663,750 | 1,444 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7198% | 1,518 |
| Cost of funding earning assets | 0.8162% | 1,331 |
| Net interest margin | 3.9036% | 2,199 |
| Noninterest income to average assets | 0.7909% | 2,232 |
| Noninterest expense to average assets | 2.7673% | 3,791 |
| Loan and lease loss provision to assets | 0.3469% | 965 |
| Net operating income to assets | 0.7889% | 3,355 |
| Return on assets (ROA) | 0.7889% | 3,515 |
| Pretax return on assets | 1.2104% | 2,625 |
| Return on Equity (ROE) | 7.4806% | 3,356 |
| Retained earnings to average equity (ytd only) | 0.9399% | 5,530 |
| Net charge-offs to loans | 0.0660% | 3,763 |
| Credit loss provision to net charge-offs | 707.2917% | 422 |
| Earnings coverage of net charge-offs (x) | 31.7500% | 1,104 |
| Efficiency ratio | 63.4216% | 4,944 |
| Assets per employee ($millions) | 3.7313% | 4,345 |
| Cash dividends to net income (ytd only)* | 87.4352% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 3,544 |
| Loan loss allowance to noncurrent loans | 308.1661% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.6516% | 4,599 |
| Noncurrent loans to loans | 0.4901% | 5,039 |
| Net loans and leases to total assets | 74.1239% | 1,230 |
| Net loans and leases to deposits | 93.5214% | 843 |
| Net loans and leases to core deposits | 96.8634% | 1,287 |
| Total domestic deposits to total assets | 79.2588% | 5,761 |
| Equity capital to assets | 10.3926% | 3,437 |
| Core capital (leverage) ratio | 10.4119% | 2,974 |
| Tier 1 risk-based capital ratio | 14.0391% | 4,394 |
| Total risk-based capital ratio | 15.2927% | 4,352 |
| Memoranda: | ||
| Average total assets | $391,430,330 | 1,693 |
| Average earning assets | $354,336,330 | 1,712 |
| Average equity | $41,280,000 | 1,711 |
| Average total loans | $290,860,000 | 1,449 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7198% | 1,480 |
| Cost of funding earning assets | 0.8311% | 1,360 |
| Net interest margin | 3.8887% | 2,157 |
| Noninterest income to average assets | 0.7944% | 2,148 |
| Noninterest expense to average assets | 2.7246% | 3,965 |
| Loan and lease loss provision to assets | 0.3885% | 805 |
| Net operating income to assets | 0.7801% | 3,280 |
| Return on assets (ROA) | 0.7801% | 3,414 |
| Pretax return on assets | 1.1972% | 2,584 |
| Return on Equity (ROE) | 7.3433% | 3,293 |
| Retained earnings to average equity (ytd only) | 0.1251% | 5,740 |
| Net charge-offs to loans | 0.1191% | 2,714 |
| Credit loss provision to net charge-offs | 441.8605% | 599 |
| Earnings coverage of net charge-offs (x) | 18.0349% | 1,282 |
| Efficiency ratio | 62.6423% | 5,211 |
| Assets per employee ($millions) | 3.7804% | 4,396 |
| Cash dividends to net income (ytd only)* | 98.2962% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 4,019 |
| Loan loss allowance to noncurrent loans | 276.4940% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.8668% | 4,214 |
| Noncurrent loans to loans | 0.5242% | 5,126 |
| Net loans and leases to total assets | 72.0150% | 1,347 |
| Net loans and leases to deposits | 90.1891% | 953 |
| Net loans and leases to core deposits | 94.2041% | 1,334 |
| Total domestic deposits to total assets | 79.8489% | 5,787 |
| Equity capital to assets | 10.5587% | 3,481 |
| Core capital (leverage) ratio | 10.3799% | 2,931 |
| Tier 1 risk-based capital ratio | 14.2943% | 4,293 |
| Total risk-based capital ratio | 15.5470% | 4,259 |
| Memoranda: | ||
| Average total assets | $391,250,500 | 1,705 |
| Average earning assets | $353,744,500 | 1,718 |
| Average equity | $41,561,500 | 1,727 |
| Average total loans | $288,858,500 | 1,468 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1165% | 1,270 |
| Cost of funding earning assets | 0.9916% | 1,400 |
| Net interest margin | 4.1249% | 1,901 |
| Noninterest income to average assets | 0.9174% | 1,804 |
| Noninterest expense to average assets | 2.8852% | 3,695 |
| Loan and lease loss provision to assets | 0.5086% | 1,154 |
| Net operating income to assets | 0.7960% | 3,306 |
| Return on assets (ROA) | 0.9009% | 3,052 |
| Pretax return on assets | 1.4151% | 1,991 |
| Return on Equity (ROE) | 8.4445% | 2,897 |
| Retained earnings to average equity (ytd only) | 2.0020% | 4,815 |
| Net charge-offs to loans | 0.9237% | 1,218 |
| Credit loss provision to net charge-offs | 74.4689% | 4,026 |
| Earnings coverage of net charge-offs (x) | 2.5766% | 4,128 |
| Efficiency ratio | 61.5663% | 5,299 |
| Assets per employee ($millions) | 3.7436% | 4,482 |
| Cash dividends to net income (ytd only)* | 76.2927% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 4,482 |
| Loan loss allowance to noncurrent loans | 211.3599% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 1.0428% | 3,948 |
| Noncurrent loans to loans | 0.6305% | 4,947 |
| Net loans and leases to total assets | 73.5985% | 1,249 |
| Net loans and leases to deposits | 92.3133% | 891 |
| Net loans and leases to core deposits | 97.3530% | 1,192 |
| Total domestic deposits to total assets | 79.7268% | 5,738 |
| Equity capital to assets | 10.6874% | 3,300 |
| Core capital (leverage) ratio | 10.4108% | 2,874 |
| Tier 1 risk-based capital ratio | 13.9649% | 4,401 |
| Total risk-based capital ratio | 15.2159% | 4,370 |
| Memoranda: | ||
| Average total assets | $392,829,800 | 1,668 |
| Average earning assets | $354,986,400 | 1,678 |
| Average equity | $41,909,000 | 1,665 |
| Average total loans | $290,470,800 | 1,446 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1402% | 1,328 |
| Cost of funding earning assets | 1.0170% | 1,464 |
| Net interest margin | 4.1233% | 2,012 |
| Noninterest income to average assets | 0.8812% | 1,904 |
| Noninterest expense to average assets | 2.7126% | 4,310 |
| Loan and lease loss provision to assets | 0.5076% | 1,204 |
| Net operating income to assets | 0.8845% | 3,059 |
| Return on assets (ROA) | 0.9235% | 3,086 |
| Pretax return on assets | 1.4525% | 2,069 |
| Return on Equity (ROE) | 8.6603% | 2,971 |
| Retained earnings to average equity (ytd only) | 2.9439% | 4,794 |
| Net charge-offs to loans | 0.7941% | 1,390 |
| Credit loss provision to net charge-offs | 86.6474% | 3,409 |
| Earnings coverage of net charge-offs (x) | 3.2416% | 3,730 |
| Efficiency ratio | 58.2685% | 5,753 |
| Assets per employee ($millions) | 3.7747% | 4,359 |
| Cash dividends to net income (ytd only)* | 66.0066% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4890% | 4,002 |
| Loan loss allowance to noncurrent loans | 143.9893% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 1.4306% | 3,463 |
| Noncurrent loans to loans | 1.0341% | 4,377 |
| Net loans and leases to total assets | 72.8715% | 1,413 |
| Net loans and leases to deposits | 92.9100% | 880 |
| Net loans and leases to core deposits | 98.6731% | 1,213 |
| Total domestic deposits to total assets | 78.4324% | 5,983 |
| Equity capital to assets | 10.7916% | 3,512 |
| Core capital (leverage) ratio | 10.4108% | 3,025 |
| Tier 1 risk-based capital ratio | 14.0023% | 4,517 |
| Total risk-based capital ratio | 15.2554% | 4,471 |
| Memoranda: | ||
| Average total assets | $393,703,000 | 1,684 |
| Average earning assets | $356,213,500 | 1,694 |
| Average equity | $41,983,750 | 1,675 |
| Average total loans | $290,484,500 | 1,458 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2034% | 1,243 |
| Cost of funding earning assets | 1.0540% | 1,445 |
| Net interest margin | 4.1494% | 1,907 |
| Noninterest income to average assets | 0.8166% | 2,108 |
| Noninterest expense to average assets | 2.7060% | 4,391 |
| Loan and lease loss provision to assets | 0.5070% | 1,241 |
| Net operating income to assets | 0.8647% | 3,063 |
| Return on assets (ROA) | 0.9232% | 3,051 |
| Pretax return on assets | 1.4530% | 1,999 |
| Return on Equity (ROE) | 8.6915% | 2,943 |
| Retained earnings to average equity (ytd only) | 4.1522% | 3,843 |
| Net charge-offs to loans | 0.1707% | 3,576 |
| Credit loss provision to net charge-offs | 402.8226% | 728 |
| Earnings coverage of net charge-offs (x) | 14.8468% | 1,685 |
| Efficiency ratio | 58.5977% | 5,790 |
| Assets per employee ($millions) | 3.7705% | 4,384 |
| Cash dividends to net income (ytd only)* | 52.2265% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8159% | 2,799 |
| Loan loss allowance to noncurrent loans | 97.5188% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.6364% | 3,272 |
| Noncurrent loans to loans | 1.8621% | 3,134 |
| Net loans and leases to total assets | 73.1634% | 1,370 |
| Net loans and leases to deposits | 93.2265% | 837 |
| Net loans and leases to core deposits | 99.1163% | 1,162 |
| Total domestic deposits to total assets | 78.4792% | 6,064 |
| Equity capital to assets | 10.7405% | 3,407 |
| Core capital (leverage) ratio | 10.3592% | 2,973 |
| Tier 1 risk-based capital ratio | 14.0493% | 4,413 |
| Total risk-based capital ratio | 15.3068% | 4,371 |
| Memoranda: | ||
| Average total assets | $394,082,330 | 1,683 |
| Average earning assets | $356,922,670 | 1,691 |
| Average equity | $41,857,000 | 1,670 |
| Average total loans | $290,515,330 | 1,459 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2732% | 1,162 |
| Cost of funding earning assets | 1.1501% | 1,171 |
| Net interest margin | 4.1231% | 2,015 |
| Noninterest income to average assets | 0.8161% | 2,081 |
| Noninterest expense to average assets | 2.6761% | 4,523 |
| Loan and lease loss provision to assets | 0.5063% | 1,197 |
| Net operating income to assets | 0.8645% | 3,080 |
| Return on assets (ROA) | 0.9811% | 2,754 |
| Pretax return on assets | 1.5512% | 1,735 |
| Return on Equity (ROE) | 9.2889% | 2,689 |
| Retained earnings to average equity (ytd only) | 9.2889% | 1,483 |
| Net charge-offs to loans | 0.5220% | 1,783 |
| Credit loss provision to net charge-offs | 132.2751% | 1,847 |
| Earnings coverage of net charge-offs (x) | 4.8995% | 2,480 |
| Efficiency ratio | 58.2425% | 5,880 |
| Assets per employee ($millions) | 3.9756% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6258% | 3,623 |
| Loan loss allowance to noncurrent loans | 105.8624% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 1.2906% | 3,988 |
| Noncurrent loans to loans | 1.5358% | 3,810 |
| Net loans and leases to total assets | 71.1814% | 1,535 |
| Net loans and leases to deposits | 90.4431% | 928 |
| Net loans and leases to core deposits | 96.2541% | 1,283 |
| Total domestic deposits to total assets | 78.7030% | 6,148 |
| Equity capital to assets | 10.5991% | 3,376 |
| Core capital (leverage) ratio | 10.3006% | 2,993 |
| Tier 1 risk-based capital ratio | 14.2117% | 4,303 |
| Total risk-based capital ratio | 15.4666% | 4,279 |
| Memoranda: | ||
| Average total assets | $395,057,500 | 1,683 |
| Average earning assets | $357,884,000 | 1,693 |
| Average equity | $41,727,000 | 1,663 |
| Average total loans | $289,671,500 | 1,467 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6043% | 946 |
| Cost of funding earning assets | 1.2974% | 1,498 |
| Net interest margin | 4.3069% | 1,679 |
| Noninterest income to average assets | 0.7754% | 2,194 |
| Noninterest expense to average assets | 2.5982% | 5,103 |
| Loan and lease loss provision to assets | 0.5793% | 1,785 |
| Net operating income to assets | 0.9683% | 2,328 |
| Return on assets (ROA) | 0.9889% | 2,385 |
| Pretax return on assets | 1.5276% | 1,399 |
| Return on Equity (ROE) | 9.3217% | 2,317 |
| Retained earnings to average equity (ytd only) | -1.1334% | 6,028 |
| Net charge-offs to loans | 0.6286% | 2,576 |
| Credit loss provision to net charge-offs | 124.8913% | 2,512 |
| Earnings coverage of net charge-offs (x) | 4.4739% | 3,100 |
| Efficiency ratio | 55.0299% | 6,418 |
| Assets per employee ($millions) | 3.8485% | 4,208 |
| Cash dividends to net income (ytd only)* | 112.1591% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 3,745 |
| Loan loss allowance to noncurrent loans | 103.3583% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.3206% | 4,018 |
| Noncurrent loans to loans | 1.5109% | 3,883 |
| Net loans and leases to total assets | 73.1419% | 1,426 |
| Net loans and leases to deposits | 94.5158% | 778 |
| Net loans and leases to core deposits | 99.9342% | 1,185 |
| Total domestic deposits to total assets | 77.3859% | 6,287 |
| Equity capital to assets | 10.5250% | 3,509 |
| Core capital (leverage) ratio | 10.0995% | 3,226 |
| Tier 1 risk-based capital ratio | 13.6830% | 4,568 |
| Total risk-based capital ratio | 14.9373% | 4,524 |
| Memoranda: | ||
| Average total assets | $396,702,400 | 1,634 |
| Average earning assets | $359,027,400 | 1,649 |
| Average equity | $42,084,400 | 1,600 |
| Average total loans | $292,699,600 | 1,450 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6255% | 982 |
| Cost of funding earning assets | 1.3474% | 1,464 |
| Net interest margin | 4.2781% | 1,798 |
| Noninterest income to average assets | 0.7378% | 2,375 |
| Noninterest expense to average assets | 2.5745% | 5,174 |
| Loan and lease loss provision to assets | 0.5863% | 1,680 |
| Net operating income to assets | 0.9493% | 2,534 |
| Return on assets (ROA) | 0.9772% | 2,569 |
| Pretax return on assets | 1.4914% | 1,676 |
| Return on Equity (ROE) | 9.1932% | 2,508 |
| Retained earnings to average equity (ytd only) | 3.6741% | 4,139 |
| Net charge-offs to loans | 0.4729% | 2,846 |
| Credit loss provision to net charge-offs | 168.3349% | 1,794 |
| Earnings coverage of net charge-offs (x) | 5.8441% | 2,684 |
| Efficiency ratio | 55.2720% | 6,366 |
| Assets per employee ($millions) | 3.8438% | 4,206 |
| Cash dividends to net income (ytd only)* | 60.0344% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6281% | 3,537 |
| Loan loss allowance to noncurrent loans | 124.0516% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 1.0623% | 4,649 |
| Noncurrent loans to loans | 1.3125% | 4,346 |
| Net loans and leases to total assets | 74.0797% | 1,320 |
| Net loans and leases to deposits | 96.3365% | 683 |
| Net loans and leases to core deposits | 101.9292% | 1,098 |
| Total domestic deposits to total assets | 76.8968% | 6,390 |
| Equity capital to assets | 10.9725% | 3,173 |
| Core capital (leverage) ratio | 10.5763% | 2,786 |
| Tier 1 risk-based capital ratio | 14.3160% | 4,122 |
| Total risk-based capital ratio | 15.5713% | 4,077 |
| Memoranda: | ||
| Average total assets | $397,740,000 | 1,641 |
| Average earning assets | $359,996,000 | 1,648 |
| Average equity | $42,276,500 | 1,593 |
| Average total loans | $292,955,750 | 1,469 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5555% | 1,162 |
| Cost of funding earning assets | 1.3949% | 1,444 |
| Net interest margin | 4.1606% | 2,185 |
| Noninterest income to average assets | 0.6721% | 2,698 |
| Noninterest expense to average assets | 2.5879% | 5,231 |
| Loan and lease loss provision to assets | 0.5000% | 1,964 |
| Net operating income to assets | 0.8853% | 2,712 |
| Return on assets (ROA) | 0.8853% | 2,814 |
| Pretax return on assets | 1.3577% | 1,935 |
| Return on Equity (ROE) | 8.4180% | 2,761 |
| Retained earnings to average equity (ytd only) | 4.6111% | 3,252 |
| Net charge-offs to loans | 0.3381% | 3,217 |
| Credit loss provision to net charge-offs | 202.2267% | 1,493 |
| Earnings coverage of net charge-offs (x) | 7.5142% | 2,208 |
| Efficiency ratio | 57.6157% | 6,213 |
| Assets per employee ($millions) | 3.7910% | 4,219 |
| Cash dividends to net income (ytd only)* | 45.2233% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 3,774 |
| Loan loss allowance to noncurrent loans | 126.0822% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.9996% | 4,870 |
| Noncurrent loans to loans | 1.2545% | 4,563 |
| Net loans and leases to total assets | 72.6283% | 1,657 |
| Net loans and leases to deposits | 95.6694% | 754 |
| Net loans and leases to core deposits | 101.3919% | 1,219 |
| Total domestic deposits to total assets | 75.9159% | 6,611 |
| Equity capital to assets | 10.8347% | 3,149 |
| Core capital (leverage) ratio | 10.4015% | 2,830 |
| Tier 1 risk-based capital ratio | 14.4165% | 3,853 |
| Total risk-based capital ratio | 15.6712% | 3,822 |
| Memoranda: | ||
| Average total assets | $399,632,330 | 1,644 |
| Average earning assets | $362,452,000 | 1,652 |
| Average equity | $42,029,000 | 1,595 |
| Average total loans | $292,192,330 | 1,486 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5154% | 1,256 |
| Cost of funding earning assets | 1.4770% | 1,267 |
| Net interest margin | 4.0384% | 2,526 |
| Noninterest income to average assets | 0.6542% | 2,815 |
| Noninterest expense to average assets | 2.5801% | 5,295 |
| Loan and lease loss provision to assets | 0.4971% | 1,758 |
| Net operating income to assets | 0.8123% | 2,965 |
| Return on assets (ROA) | 0.8123% | 3,029 |
| Pretax return on assets | 1.2388% | 2,236 |
| Return on Equity (ROE) | 7.8398% | 2,988 |
| Retained earnings to average equity (ytd only) | 7.8398% | 1,797 |
| Net charge-offs to loans | 0.2131% | 3,240 |
| Credit loss provision to net charge-offs | 320.5128% | 1,016 |
| Earnings coverage of net charge-offs (x) | 11.1923% | 1,572 |
| Efficiency ratio | 59.1799% | 6,104 |
| Assets per employee ($millions) | 3.8432% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 4,002 |
| Loan loss allowance to noncurrent loans | 131.0416% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 1.1882% | 4,573 |
| Noncurrent loans to loans | 1.1766% | 4,729 |
| Net loans and leases to total assets | 70.9506% | 1,940 |
| Net loans and leases to deposits | 92.9000% | 929 |
| Net loans and leases to core deposits | 98.1429% | 1,513 |
| Total domestic deposits to total assets | 76.3731% | 6,616 |
| Equity capital to assets | 10.5400% | 3,139 |
| Core capital (leverage) ratio | 10.0832% | 3,056 |
| Tier 1 risk-based capital ratio | 14.5908% | 3,682 |
| Total risk-based capital ratio | 15.8451% | 3,640 |
| Memoranda: | ||
| Average total assets | $402,314,000 | 1,643 |
| Average earning assets | $364,795,000 | 1,652 |
| Average equity | $41,684,500 | 1,600 |
| Average total loans | $292,812,000 | 1,499 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7942% | 1,293 |
| Cost of funding earning assets | 1.8276% | 1,066 |
| Net interest margin | 3.9666% | 3,172 |
| Noninterest income to average assets | 0.7875% | 2,340 |
| Noninterest expense to average assets | 2.7159% | 4,923 |
| Loan and lease loss provision to assets | 0.5404% | 2,988 |
| Net operating income to assets | 0.7534% | 2,984 |
| Return on assets (ROA) | 0.7676% | 3,051 |
| Pretax return on assets | 1.1337% | 2,448 |
| Return on Equity (ROE) | 7.5549% | 2,867 |
| Retained earnings to average equity (ytd only) | 6.0073% | 1,809 |
| Net charge-offs to loans | 0.6521% | 3,054 |
| Credit loss provision to net charge-offs | 113.1122% | 3,851 |
| Earnings coverage of net charge-offs (x) | 3.4602% | 3,347 |
| Efficiency ratio | 61.5283% | 5,805 |
| Assets per employee ($millions) | 3.9315% | 3,938 |
| Cash dividends to net income (ytd only)* | 20.4851% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 4,624 |
| Loan loss allowance to noncurrent loans | 66.6179% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.6701% | 3,795 |
| Noncurrent loans to loans | 2.0665% | 3,465 |
| Net loans and leases to total assets | 72.4811% | 1,989 |
| Net loans and leases to deposits | 97.3176% | 765 |
| Net loans and leases to core deposits | 102.6751% | 1,401 |
| Total domestic deposits to total assets | 74.4789% | 6,832 |
| Equity capital to assets | 10.1847% | 3,517 |
| Core capital (leverage) ratio | 9.7812% | 3,345 |
| Tier 1 risk-based capital ratio | 13.8214% | 3,983 |
| Total risk-based capital ratio | 15.0737% | 3,964 |
| Memoranda: | ||
| Average total assets | $397,475,000 | 1,662 |
| Average earning assets | $358,893,800 | 1,667 |
| Average equity | $40,384,400 | 1,643 |
| Average total loans | $291,219,800 | 1,534 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8053% | 1,382 |
| Cost of funding earning assets | 1.8737% | 1,122 |
| Net interest margin | 3.9316% | 3,398 |
| Noninterest income to average assets | 0.7408% | 2,572 |
| Noninterest expense to average assets | 2.5466% | 5,533 |
| Loan and lease loss provision to assets | 0.5723% | 2,647 |
| Net operating income to assets | 0.7884% | 3,052 |
| Return on assets (ROA) | 0.8072% | 3,115 |
| Pretax return on assets | 1.1971% | 2,500 |
| Return on Equity (ROE) | 7.9493% | 2,929 |
| Retained earnings to average equity (ytd only) | 6.4557% | 2,115 |
| Net charge-offs to loans | 0.8208% | 2,399 |
| Credit loss provision to net charge-offs | 95.2328% | 4,553 |
| Earnings coverage of net charge-offs (x) | 2.8979% | 3,681 |
| Efficiency ratio | 58.7361% | 6,158 |
| Assets per employee ($millions) | 3.9393% | 3,957 |
| Cash dividends to net income (ytd only)* | 18.7893% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 5,044 |
| Loan loss allowance to noncurrent loans | 65.5918% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.6468% | 3,971 |
| Noncurrent loans to loans | 1.9580% | 3,738 |
| Net loans and leases to total assets | 71.9868% | 2,251 |
| Net loans and leases to deposits | 96.9895% | 886 |
| Net loans and leases to core deposits | 103.4740% | 1,529 |
| Total domestic deposits to total assets | 74.2213% | 6,898 |
| Equity capital to assets | 10.2903% | 3,783 |
| Core capital (leverage) ratio | 9.8512% | 3,431 |
| Tier 1 risk-based capital ratio | 13.8151% | 3,969 |
| Total risk-based capital ratio | 15.0661% | 3,934 |
| Memoranda: | ||
| Average total assets | $395,608,750 | 1,691 |
| Average earning assets | $356,928,250 | 1,699 |
| Average equity | $40,170,000 | 1,658 |
| Average total loans | $289,624,250 | 1,561 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8182% | 1,385 |
| Cost of funding earning assets | 1.9217% | 1,149 |
| Net interest margin | 3.8964% | 3,466 |
| Noninterest income to average assets | 0.6937% | 2,743 |
| Noninterest expense to average assets | 2.5354% | 5,589 |
| Loan and lease loss provision to assets | 0.5758% | 2,467 |
| Net operating income to assets | 0.7414% | 3,230 |
| Return on assets (ROA) | 0.7628% | 3,291 |
| Pretax return on assets | 1.1267% | 2,687 |
| Return on Equity (ROE) | 7.5469% | 3,094 |
| Retained earnings to average equity (ytd only) | 6.2900% | 2,175 |
| Net charge-offs to loans | 0.6537% | 2,582 |
| Credit loss provision to net charge-offs | 120.1485% | 3,383 |
| Earnings coverage of net charge-offs (x) | 3.4867% | 3,304 |
| Efficiency ratio | 59.6110% | 6,118 |
| Assets per employee ($millions) | 3.8763% | 4,043 |
| Cash dividends to net income (ytd only)* | 16.6556% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 4,442 |
| Loan loss allowance to noncurrent loans | 95.0565% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.2337% | 4,678 |
| Noncurrent loans to loans | 1.4697% | 4,502 |
| Net loans and leases to total assets | 72.0824% | 2,375 |
| Net loans and leases to deposits | 97.4356% | 924 |
| Net loans and leases to core deposits | 103.7404% | 1,666 |
| Total domestic deposits to total assets | 73.9795% | 6,972 |
| Equity capital to assets | 10.2523% | 3,702 |
| Core capital (leverage) ratio | 9.7548% | 3,464 |
| Tier 1 risk-based capital ratio | 13.9118% | 3,790 |
| Total risk-based capital ratio | 15.1645% | 3,751 |
| Memoranda: | ||
| Average total assets | $393,543,670 | 1,712 |
| Average earning assets | $354,784,670 | 1,721 |
| Average equity | $39,777,670 | 1,675 |
| Average total loans | $288,496,000 | 1,589 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8340% | 1,365 |
| Cost of funding earning assets | 1.9831% | 1,149 |
| Net interest margin | 3.8509% | 3,562 |
| Noninterest income to average assets | 0.7019% | 2,589 |
| Noninterest expense to average assets | 2.5052% | 5,708 |
| Loan and lease loss provision to assets | 0.5940% | 2,139 |
| Net operating income to assets | 0.7228% | 3,341 |
| Return on assets (ROA) | 0.7651% | 3,248 |
| Pretax return on assets | 1.1339% | 2,612 |
| Return on Equity (ROE) | 7.6247% | 3,058 |
| Retained earnings to average equity (ytd only) | 7.6247% | 1,868 |
| Net charge-offs to loans | 0.4191% | 2,788 |
| Credit loss provision to net charge-offs | 193.0464% | 1,916 |
| Earnings coverage of net charge-offs (x) | 5.4106% | 2,406 |
| Efficiency ratio | 59.3941% | 6,277 |
| Assets per employee ($millions) | 3.9600% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 4,241 |
| Loan loss allowance to noncurrent loans | 164.0445% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.7788% | 5,593 |
| Noncurrent loans to loans | 0.8742% | 5,565 |
| Net loans and leases to total assets | 71.6634% | 2,532 |
| Net loans and leases to deposits | 96.5478% | 1,038 |
| Net loans and leases to core deposits | 103.9551% | 1,746 |
| Total domestic deposits to total assets | 74.2258% | 7,019 |
| Equity capital to assets | 10.0470% | 3,802 |
| Core capital (leverage) ratio | 9.6135% | 3,627 |
| Tier 1 risk-based capital ratio | 13.6977% | 3,867 |
| Total risk-based capital ratio | 14.9508% | 3,820 |
| Memoranda: | ||
| Average total assets | $392,623,000 | 1,754 |
| Average earning assets | $353,582,000 | 1,766 |
| Average equity | $39,398,500 | 1,704 |
| Average total loans | $288,223,500 | 1,634 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1779% | 1,297 |
| Cost of funding earning assets | 2.5079% | 1,013 |
| Net interest margin | 3.6700% | 4,255 |
| Noninterest income to average assets | 0.9489% | 1,753 |
| Noninterest expense to average assets | 2.7529% | 5,158 |
| Loan and lease loss provision to assets | 1.4031% | 1,635 |
| Net operating income to assets | 0.1093% | 5,187 |
| Return on assets (ROA) | 0.1657% | 5,077 |
| Pretax return on assets | 0.1746% | 5,063 |
| Return on Equity (ROE) | 1.6801% | 5,027 |
| Retained earnings to average equity (ytd only) | 1.6801% | 3,909 |
| Net charge-offs to loans | 1.7605% | 1,420 |
| Credit loss provision to net charge-offs | 106.5718% | 5,201 |
| Earnings coverage of net charge-offs (x) | 1.1533% | 4,968 |
| Efficiency ratio | 63.7290% | 5,820 |
| Assets per employee ($millions) | 3.8925% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 4,575 |
| Loan loss allowance to noncurrent loans | 134.6396% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 1.1065% | 4,876 |
| Noncurrent loans to loans | 0.9905% | 5,336 |
| Net loans and leases to total assets | 73.1370% | 2,471 |
| Net loans and leases to deposits | 98.8527% | 1,017 |
| Net loans and leases to core deposits | 128.1090% | 1,390 |
| Total domestic deposits to total assets | 73.9858% | 7,016 |
| Equity capital to assets | 10.0221% | 3,725 |
| Core capital (leverage) ratio | 9.6673% | 3,502 |
| Tier 1 risk-based capital ratio | 13.4522% | 3,847 |
| Total risk-based capital ratio | 14.7039% | 3,799 |
| Memoranda: | ||
| Average total assets | $379,085,200 | 1,803 |
| Average earning assets | $343,189,800 | 1,820 |
| Average equity | $37,379,400 | 1,792 |
| Average total loans | $283,492,000 | 1,700 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1973% | 1,386 |
| Cost of funding earning assets | 2.5944% | 1,047 |
| Net interest margin | 3.6029% | 4,472 |
| Noninterest income to average assets | 0.9833% | 1,664 |
| Noninterest expense to average assets | 2.7814% | 4,966 |
| Loan and lease loss provision to assets | 1.5984% | 1,183 |
| Net operating income to assets | -0.0172% | 5,739 |
| Return on assets (ROA) | 0.0266% | 5,700 |
| Pretax return on assets | -0.0581% | 5,795 |
| Return on Equity (ROE) | 0.2705% | 5,695 |
| Retained earnings to average equity (ytd only) | 0.2705% | 5,087 |
| Net charge-offs to loans | 2.1688% | 892 |
| Credit loss provision to net charge-offs | 98.3228% | 5,206 |
| Earnings coverage of net charge-offs (x) | 0.9055% | 5,151 |
| Efficiency ratio | 64.6603% | 5,624 |
| Assets per employee ($millions) | 3.9327% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 5,168 |
| Loan loss allowance to noncurrent loans | 105.6783% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.9943% | 5,081 |
| Noncurrent loans to loans | 1.1260% | 5,062 |
| Net loans and leases to total assets | 74.1818% | 2,471 |
| Net loans and leases to deposits | 100.3898% | 1,069 |
| Net loans and leases to core deposits | 135.0933% | 1,146 |
| Total domestic deposits to total assets | 73.8938% | 6,965 |
| Equity capital to assets | 9.9828% | 4,112 |
| Core capital (leverage) ratio | 9.6648% | 3,699 |
| Tier 1 risk-based capital ratio | 13.3531% | 3,957 |
| Total risk-based capital ratio | 14.6032% | 3,901 |
| Memoranda: | ||
| Average total assets | $376,544,250 | 1,825 |
| Average earning assets | $341,751,500 | 1,843 |
| Average equity | $36,971,500 | 1,841 |
| Average total loans | $282,231,750 | 1,725 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2251% | 1,391 |
| Cost of funding earning assets | 2.6889% | 1,063 |
| Net interest margin | 3.5362% | 4,632 |
| Noninterest income to average assets | 1.0734% | 1,378 |
| Noninterest expense to average assets | 2.9760% | 4,179 |
| Loan and lease loss provision to assets | 1.5450% | 1,101 |
| Net operating income to assets | -0.0878% | 5,985 |
| Return on assets (ROA) | -0.0487% | 5,989 |
| Pretax return on assets | -0.1761% | 6,095 |
| Return on Equity (ROE) | -0.4990% | 5,998 |
| Retained earnings to average equity (ytd only) | -0.4990% | 5,346 |
| Net charge-offs to loans | 1.9302% | 970 |
| Credit loss provision to net charge-offs | 106.8493% | 4,315 |
| Earnings coverage of net charge-offs (x) | 0.9045% | 4,854 |
| Efficiency ratio | 68.7328% | 5,024 |
| Assets per employee ($millions) | 3.8378% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 4,248 |
| Loan loss allowance to noncurrent loans | 67.3636% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.6205% | 3,781 |
| Noncurrent loans to loans | 1.9362% | 3,621 |
| Net loans and leases to total assets | 73.7887% | 2,763 |
| Net loans and leases to deposits | 100.4399% | 1,246 |
| Net loans and leases to core deposits | 133.0311% | 1,371 |
| Total domestic deposits to total assets | 73.4655% | 7,043 |
| Equity capital to assets | 9.9957% | 3,941 |
| Core capital (leverage) ratio | 9.6208% | 3,735 |
| Tier 1 risk-based capital ratio | 13.5595% | 3,781 |
| Total risk-based capital ratio | 14.8109% | 3,711 |
| Memoranda: | ||
| Average total assets | $373,591,670 | 1,864 |
| Average earning assets | $339,176,330 | 1,869 |
| Average equity | $36,470,670 | 1,872 |
| Average total loans | $279,862,000 | 1,772 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2429% | 1,467 |
| Cost of funding earning assets | 2.7870% | 1,011 |
| Net interest margin | 3.4558% | 4,913 |
| Noninterest income to average assets | 1.0583% | 1,326 |
| Noninterest expense to average assets | 3.0387% | 3,597 |
| Loan and lease loss provision to assets | 0.5399% | 2,313 |
| Net operating income to assets | 0.4449% | 4,672 |
| Return on assets (ROA) | 0.4449% | 4,845 |
| Pretax return on assets | 0.6155% | 4,711 |
| Return on Equity (ROE) | 4.6140% | 4,654 |
| Retained earnings to average equity (ytd only) | 4.6140% | 3,361 |
| Net charge-offs to loans | 0.0461% | 4,836 |
| Credit loss provision to net charge-offs | 1,562.5000% | 398 |
| Earnings coverage of net charge-offs (x) | 33.4375% | 982 |
| Efficiency ratio | 71.6787% | 4,241 |
| Assets per employee ($millions) | 3.9134% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 3,393 |
| Loan loss allowance to noncurrent loans | 68.7468% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.7582% | 3,287 |
| Noncurrent loans to loans | 2.0654% | 3,176 |
| Net loans and leases to total assets | 72.9402% | 3,019 |
| Net loans and leases to deposits | 99.6401% | 1,459 |
| Net loans and leases to core deposits | 130.3773% | 1,635 |
| Total domestic deposits to total assets | 73.2036% | 7,026 |
| Equity capital to assets | 10.2007% | 3,766 |
| Core capital (leverage) ratio | 10.0241% | 3,382 |
| Tier 1 risk-based capital ratio | 13.6852% | 3,748 |
| Total risk-based capital ratio | 14.9379% | 3,671 |
| Memoranda: | ||
| Average total assets | $370,416,000 | 1,881 |
| Average earning assets | $336,127,500 | 1,885 |
| Average equity | $35,717,000 | 1,915 |
| Average total loans | $277,763,000 | 1,786 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6701% | 2,152 |
| Cost of funding earning assets | 3.2160% | 1,142 |
| Net interest margin | 3.4541% | 5,452 |
| Noninterest income to average assets | 0.7749% | 2,644 |
| Noninterest expense to average assets | 2.7140% | 5,203 |
| Loan and lease loss provision to assets | 0.7534% | 1,981 |
| Net operating income to assets | 0.2994% | 5,542 |
| Return on assets (ROA) | 0.3107% | 5,320 |
| Pretax return on assets | 0.4241% | 5,190 |
| Return on Equity (ROE) | 3.2535% | 5,135 |
| Retained earnings to average equity (ytd only) | -0.0762% | 5,286 |
| Net charge-offs to loans | 0.4539% | 2,562 |
| Credit loss provision to net charge-offs | 223.0835% | 2,136 |
| Earnings coverage of net charge-offs (x) | 3.4410% | 4,369 |
| Efficiency ratio | 69.0432% | 4,523 |
| Assets per employee ($millions) | 3.7240% | 4,120 |
| Cash dividends to net income (ytd only)* | 102.3408% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 3,921 |
| Loan loss allowance to noncurrent loans | 92.9250% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.2145% | 3,811 |
| Noncurrent loans to loans | 1.3792% | 3,761 |
| Net loans and leases to total assets | 75.0590% | 2,872 |
| Net loans and leases to deposits | 102.0240% | 1,584 |
| Net loans and leases to core deposits | 134.0457% | 1,594 |
| Total domestic deposits to total assets | 73.5699% | 6,723 |
| Equity capital to assets | 9.0557% | 5,297 |
| Core capital (leverage) ratio | 8.8896% | 4,909 |
| Tier 1 risk-based capital ratio | 11.8822% | 4,918 |
| Total risk-based capital ratio | 13.1332% | 4,816 |
| Memoranda: | ||
| Average total assets | $343,768,000 | 1,934 |
| Average earning assets | $308,643,800 | 1,973 |
| Average equity | $32,826,600 | 2,062 |
| Average total loans | $255,761,600 | 1,873 |