Home > First Bank & Trust East Texas > Performance and Condition Ratios
First Bank & Trust East Texas, Performance and Condition Ratios
| 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 | 4.0468% | 3,190 |
| Cost of funding earning assets | 0.1123% | 5,508 |
| Net interest margin | 3.9344% | 1,917 |
| Noninterest income to average assets | 1.0896% | 858 |
| Noninterest expense to average assets | 2.8165% | 2,675 |
| Loan and lease loss provision to assets | 0.2950% | 530 |
| Net operating income to assets | 1.1681% | 1,805 |
| Return on assets (ROA) | 1.1683% | 1,853 |
| Pretax return on assets | 1.7036% | 1,115 |
| Return on Equity (ROE) | 11.5484% | 1,472 |
| Retained earnings to average equity (ytd only) | 6.4708% | 1,973 |
| Net charge-offs to loans | 0.5118% | 399 |
| Credit loss provision to net charge-offs | 88.3200% | 2,478 |
| Earnings coverage of net charge-offs (x) | 5.9832% | 3,038 |
| Efficiency ratio | 58.4973% | 4,433 |
| Assets per employee ($millions) | 3.9884% | 4,010 |
| Cash dividends to net income (ytd only)* | 43.9680% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 3,237 |
| Loan loss allowance to noncurrent loans | 241.4145% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.5037% | 3,057 |
| Noncurrent loans to loans | 0.4731% | 3,268 |
| Net loans and leases to total assets | 63.1962% | 3,532 |
| Net loans and leases to deposits | 70.9218% | 3,881 |
| Net loans and leases to core deposits | 73.0793% | 4,051 |
| Total domestic deposits to total assets | 89.1068% | 827 |
| Equity capital to assets | 10.3706% | 3,513 |
| Core capital (leverage) ratio | 9.8423% | 3,766 |
| Tier 1 risk-based capital ratio | 14.1362% | 3,385 |
| Total risk-based capital ratio | 15.2452% | 3,360 |
| Memoranda: | ||
| Average total assets | $998,033,250 | 743 |
| Average earning assets | $944,963,500 | 718 |
| Average equity | $100,964,250 | 813 |
| Average total loans | $651,303,750 | 805 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0141% | 3,162 |
| Cost of funding earning assets | 0.1112% | 5,555 |
| Net interest margin | 3.9029% | 1,917 |
| Noninterest income to average assets | 1.1108% | 813 |
| Noninterest expense to average assets | 2.8626% | 2,532 |
| Loan and lease loss provision to assets | 0.3176% | 471 |
| Net operating income to assets | 1.1161% | 1,901 |
| Return on assets (ROA) | 1.1164% | 1,949 |
| Pretax return on assets | 1.6244% | 1,265 |
| Return on Equity (ROE) | 11.1299% | 1,594 |
| Retained earnings to average equity (ytd only) | 5.9835% | 2,125 |
| Net charge-offs to loans | 0.5166% | 377 |
| Credit loss provision to net charge-offs | 93.5503% | 2,105 |
| Earnings coverage of net charge-offs (x) | 5.7195% | 2,792 |
| Efficiency ratio | 59.5852% | 4,382 |
| Assets per employee ($millions) | 3.5856% | 4,601 |
| Cash dividends to net income (ytd only)* | 46.2397% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 3,376 |
| Loan loss allowance to noncurrent loans | 203.4072% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 2,847 |
| Noncurrent loans to loans | 0.5595% | 3,058 |
| Net loans and leases to total assets | 65.7882% | 3,138 |
| Net loans and leases to deposits | 73.5787% | 3,587 |
| Net loans and leases to core deposits | 76.1394% | 3,760 |
| Total domestic deposits to total assets | 89.4119% | 756 |
| Equity capital to assets | 10.2804% | 3,590 |
| Core capital (leverage) ratio | 9.6395% | 3,975 |
| Tier 1 risk-based capital ratio | 13.2204% | 3,859 |
| Total risk-based capital ratio | 14.3054% | 3,878 |
| Memoranda: | ||
| Average total assets | $995,684,330 | 746 |
| Average earning assets | $942,225,670 | 724 |
| Average equity | $99,874,670 | 826 |
| Average total loans | $654,234,670 | 805 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9703% | 3,144 |
| Cost of funding earning assets | 0.1091% | 5,618 |
| Net interest margin | 3.8612% | 1,915 |
| Noninterest income to average assets | 1.0974% | 822 |
| Noninterest expense to average assets | 2.8552% | 2,602 |
| Loan and lease loss provision to assets | 0.4004% | 282 |
| Net operating income to assets | 1.0235% | 2,206 |
| Return on assets (ROA) | 1.0235% | 2,262 |
| Pretax return on assets | 1.4902% | 1,568 |
| Return on Equity (ROE) | 10.3322% | 1,811 |
| Retained earnings to average equity (ytd only) | 5.1884% | 2,791 |
| Net charge-offs to loans | 0.6926% | 254 |
| Credit loss provision to net charge-offs | 88.5537% | 1,702 |
| Earnings coverage of net charge-offs (x) | 4.1810% | 2,411 |
| Efficiency ratio | 60.1623% | 4,430 |
| Assets per employee ($millions) | 3.6621% | 4,558 |
| Cash dividends to net income (ytd only)* | 49.7844% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 3,475 |
| Loan loss allowance to noncurrent loans | 153.6351% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6871% | 2,567 |
| Noncurrent loans to loans | 0.7404% | 2,642 |
| Net loans and leases to total assets | 64.5084% | 3,197 |
| Net loans and leases to deposits | 71.7979% | 3,627 |
| Net loans and leases to core deposits | 74.4945% | 3,793 |
| Total domestic deposits to total assets | 89.8472% | 725 |
| Equity capital to assets | 9.8530% | 3,927 |
| Core capital (leverage) ratio | 9.5132% | 4,113 |
| Tier 1 risk-based capital ratio | 12.9148% | 4,133 |
| Total risk-based capital ratio | 13.9902% | 4,136 |
| Memoranda: | ||
| Average total assets | $996,925,000 | 748 |
| Average earning assets | $941,989,500 | 728 |
| Average equity | $98,759,500 | 834 |
| Average total loans | $650,886,000 | 808 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0146% | 3,142 |
| Cost of funding earning assets | 0.1127% | 5,643 |
| Net interest margin | 3.9018% | 1,959 |
| Noninterest income to average assets | 1.1242% | 907 |
| Noninterest expense to average assets | 2.8876% | 2,719 |
| Loan and lease loss provision to assets | 0.1447% | 1,727 |
| Net operating income to assets | 1.2359% | 1,394 |
| Return on assets (ROA) | 1.2476% | 1,445 |
| Pretax return on assets | 1.8018% | 798 |
| Return on Equity (ROE) | 12.5795% | 1,095 |
| Retained earnings to average equity (ytd only) | 6.8672% | 1,281 |
| Net charge-offs to loans | 0.1839% | 1,505 |
| Credit loss provision to net charge-offs | 122.1269% | 2,177 |
| Earnings coverage of net charge-offs (x) | 16.2847% | 2,125 |
| Efficiency ratio | 59.9435% | 4,591 |
| Assets per employee ($millions) | 3.4987% | 4,764 |
| Cash dividends to net income (ytd only)* | 45.4101% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 3,191 |
| Loan loss allowance to noncurrent loans | 120.4388% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.6739% | 2,689 |
| Noncurrent loans to loans | 0.9865% | 2,120 |
| Net loans and leases to total assets | 64.5530% | 3,281 |
| Net loans and leases to deposits | 71.8760% | 3,723 |
| Net loans and leases to core deposits | 74.8025% | 3,856 |
| Total domestic deposits to total assets | 89.8116% | 718 |
| Equity capital to assets | 9.9613% | 3,759 |
| Core capital (leverage) ratio | 9.1688% | 4,523 |
| Tier 1 risk-based capital ratio | 12.9064% | 4,126 |
| Total risk-based capital ratio | 14.0143% | 4,113 |
| Memoranda: | ||
| Average total assets | $984,049,000 | 736 |
| Average earning assets | $931,353,800 | 711 |
| Average equity | $97,595,000 | 808 |
| Average total loans | $634,098,600 | 788 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9899% | 3,264 |
| Cost of funding earning assets | 0.1121% | 5,711 |
| Net interest margin | 3.8777% | 2,059 |
| Noninterest income to average assets | 1.1548% | 855 |
| Noninterest expense to average assets | 2.8627% | 2,780 |
| Loan and lease loss provision to assets | 0.1380% | 1,704 |
| Net operating income to assets | 1.2480% | 1,459 |
| Return on assets (ROA) | 1.2634% | 1,499 |
| Pretax return on assets | 1.8490% | 805 |
| Return on Equity (ROE) | 12.7531% | 1,114 |
| Retained earnings to average equity (ytd only) | 8.3435% | 1,030 |
| Net charge-offs to loans | 0.1728% | 1,331 |
| Credit loss provision to net charge-offs | 124.4200% | 2,034 |
| Earnings coverage of net charge-offs (x) | 17.7070% | 2,040 |
| Efficiency ratio | 59.3041% | 4,649 |
| Assets per employee ($millions) | 3.7412% | 4,404 |
| Cash dividends to net income (ytd only)* | 34.5770% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 3,405 |
| Loan loss allowance to noncurrent loans | 101.2975% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.7872% | 2,581 |
| Noncurrent loans to loans | 1.1589% | 1,934 |
| Net loans and leases to total assets | 62.6497% | 3,558 |
| Net loans and leases to deposits | 69.8013% | 4,003 |
| Net loans and leases to core deposits | 72.3652% | 4,132 |
| Total domestic deposits to total assets | 89.7543% | 576 |
| Equity capital to assets | 9.9336% | 4,201 |
| Core capital (leverage) ratio | 9.2651% | 4,507 |
| Tier 1 risk-based capital ratio | 12.8245% | 4,263 |
| Total risk-based capital ratio | 13.9243% | 4,262 |
| Memoranda: | ||
| Average total assets | $984,280,250 | 740 |
| Average earning assets | $932,133,750 | 706 |
| Average equity | $97,510,750 | 815 |
| Average total loans | $632,056,500 | 788 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0424% | 3,093 |
| Cost of funding earning assets | 0.1137% | 5,786 |
| Net interest margin | 3.9287% | 1,886 |
| Noninterest income to average assets | 1.1038% | 919 |
| Noninterest expense to average assets | 2.8914% | 2,704 |
| Loan and lease loss provision to assets | 0.1233% | 1,848 |
| Net operating income to assets | 1.2400% | 1,463 |
| Return on assets (ROA) | 1.2637% | 1,502 |
| Pretax return on assets | 1.8383% | 805 |
| Return on Equity (ROE) | 12.7680% | 1,086 |
| Retained earnings to average equity (ytd only) | 8.3037% | 1,069 |
| Net charge-offs to loans | 0.1249% | 1,597 |
| Credit loss provision to net charge-offs | 153.0612% | 1,565 |
| Earnings coverage of net charge-offs (x) | 23.9235% | 1,570 |
| Efficiency ratio | 60.0034% | 4,642 |
| Assets per employee ($millions) | 3.7278% | 4,395 |
| Cash dividends to net income (ytd only)* | 34.9650% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 3,371 |
| Loan loss allowance to noncurrent loans | 144.5652% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 3,226 |
| Noncurrent loans to loans | 0.8292% | 2,669 |
| Net loans and leases to total assets | 64.4682% | 3,296 |
| Net loans and leases to deposits | 72.0479% | 3,780 |
| Net loans and leases to core deposits | 74.9224% | 3,915 |
| Total domestic deposits to total assets | 89.4797% | 694 |
| Equity capital to assets | 10.2634% | 3,908 |
| Core capital (leverage) ratio | 9.2167% | 4,567 |
| Tier 1 risk-based capital ratio | 12.7369% | 4,360 |
| Total risk-based capital ratio | 13.8568% | 4,351 |
| Memoranda: | ||
| Average total assets | $973,168,330 | 746 |
| Average earning assets | $920,197,670 | 718 |
| Average equity | $96,319,000 | 821 |
| Average total loans | $627,706,670 | 792 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0676% | 2,973 |
| Cost of funding earning assets | 0.1137% | 5,852 |
| Net interest margin | 3.9539% | 1,773 |
| Noninterest income to average assets | 1.0440% | 998 |
| Noninterest expense to average assets | 2.8706% | 2,811 |
| Loan and lease loss provision to assets | 0.1296% | 1,631 |
| Net operating income to assets | 1.2269% | 1,467 |
| Return on assets (ROA) | 1.2269% | 1,576 |
| Pretax return on assets | 1.7807% | 875 |
| Return on Equity (ROE) | 12.6282% | 1,122 |
| Retained earnings to average equity (ytd only) | 8.0895% | 1,416 |
| Net charge-offs to loans | 0.1855% | 1,052 |
| Credit loss provision to net charge-offs | 108.9655% | 1,527 |
| Earnings coverage of net charge-offs (x) | 16.0586% | 1,640 |
| Efficiency ratio | 60.0429% | 4,742 |
| Assets per employee ($millions) | 3.5646% | 4,715 |
| Cash dividends to net income (ytd only)* | 35.9412% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 3,618 |
| Loan loss allowance to noncurrent loans | 117.9311% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.7033% | 2,960 |
| Noncurrent loans to loans | 0.9988% | 2,391 |
| Net loans and leases to total assets | 64.0255% | 3,237 |
| Net loans and leases to deposits | 71.3548% | 3,713 |
| Net loans and leases to core deposits | 74.2726% | 3,863 |
| Total domestic deposits to total assets | 89.7283% | 718 |
| Equity capital to assets | 9.9710% | 4,114 |
| Core capital (leverage) ratio | 8.9175% | 4,949 |
| Tier 1 risk-based capital ratio | 12.6592% | 4,477 |
| Total risk-based capital ratio | 13.7694% | 4,475 |
| Memoranda: | ||
| Average total assets | $975,132,500 | 744 |
| Average earning assets | $921,618,000 | 718 |
| Average equity | $94,740,000 | 835 |
| Average total loans | $625,343,500 | 789 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 3,039 |
| Cost of funding earning assets | 0.1206% | 5,877 |
| Net interest margin | 3.9469% | 1,885 |
| Noninterest income to average assets | 1.1301% | 929 |
| Noninterest expense to average assets | 2.9404% | 2,724 |
| Loan and lease loss provision to assets | 0.0900% | 2,500 |
| Net operating income to assets | 1.2482% | 1,390 |
| Return on assets (ROA) | 1.2481% | 1,445 |
| Pretax return on assets | 1.8141% | 786 |
| Return on Equity (ROE) | 12.7617% | 1,106 |
| Retained earnings to average equity (ytd only) | 4.9057% | 2,493 |
| Net charge-offs to loans | 0.0920% | 2,514 |
| Credit loss provision to net charge-offs | 149.7336% | 1,776 |
| Earnings coverage of net charge-offs (x) | 31.6945% | 1,397 |
| Efficiency ratio | 60.6952% | 4,801 |
| Assets per employee ($millions) | 3.5277% | 4,782 |
| Cash dividends to net income (ytd only)* | 61.5595% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 3,564 |
| Loan loss allowance to noncurrent loans | 131.0756% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 3,362 |
| Noncurrent loans to loans | 0.9036% | 2,530 |
| Net loans and leases to total assets | 62.7252% | 3,459 |
| Net loans and leases to deposits | 69.4310% | 3,979 |
| Net loans and leases to core deposits | 72.2619% | 4,109 |
| Total domestic deposits to total assets | 90.3418% | 484 |
| Equity capital to assets | 9.4631% | 4,594 |
| Core capital (leverage) ratio | 8.8617% | 5,048 |
| Tier 1 risk-based capital ratio | 12.3763% | 4,715 |
| Total risk-based capital ratio | 13.4811% | 4,710 |
| Memoranda: | ||
| Average total assets | $937,105,400 | 735 |
| Average earning assets | $881,935,600 | 720 |
| Average equity | $91,649,000 | 830 |
| Average total loans | $612,102,600 | 759 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0970% | 2,954 |
| Cost of funding earning assets | 0.1215% | 5,971 |
| Net interest margin | 3.9755% | 1,786 |
| Noninterest income to average assets | 1.1623% | 886 |
| Noninterest expense to average assets | 2.9608% | 2,633 |
| Loan and lease loss provision to assets | 0.0833% | 2,506 |
| Net operating income to assets | 1.2790% | 1,396 |
| Return on assets (ROA) | 1.2789% | 1,453 |
| Pretax return on assets | 1.8534% | 797 |
| Return on Equity (ROE) | 12.9652% | 1,130 |
| Retained earnings to average equity (ytd only) | 6.4709% | 1,977 |
| Net charge-offs to loans | 0.0753% | 2,490 |
| Credit loss provision to net charge-offs | 168.3140% | 1,545 |
| Earnings coverage of net charge-offs (x) | 39.1130% | 1,268 |
| Efficiency ratio | 60.4532% | 4,822 |
| Assets per employee ($millions) | 3.2367% | 5,237 |
| Cash dividends to net income (ytd only)* | 50.0901% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 3,761 |
| Loan loss allowance to noncurrent loans | 168.6148% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4839% | 3,876 |
| Noncurrent loans to loans | 0.7001% | 3,230 |
| Net loans and leases to total assets | 65.8116% | 3,045 |
| Net loans and leases to deposits | 73.4509% | 3,600 |
| Net loans and leases to core deposits | 76.7846% | 3,713 |
| Total domestic deposits to total assets | 89.5995% | 732 |
| Equity capital to assets | 10.0991% | 4,049 |
| Core capital (leverage) ratio | 9.2886% | 4,602 |
| Tier 1 risk-based capital ratio | 12.5788% | 4,697 |
| Total risk-based capital ratio | 13.6985% | 4,699 |
| Memoranda: | ||
| Average total assets | $926,207,250 | 749 |
| Average earning assets | $870,265,750 | 733 |
| Average equity | $91,360,250 | 839 |
| Average total loans | $609,498,750 | 774 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0756% | 2,989 |
| Cost of funding earning assets | 0.1233% | 6,026 |
| Net interest margin | 3.9524% | 1,797 |
| Noninterest income to average assets | 1.1528% | 903 |
| Noninterest expense to average assets | 2.9686% | 2,657 |
| Loan and lease loss provision to assets | 0.0779% | 2,563 |
| Net operating income to assets | 1.2544% | 1,448 |
| Return on assets (ROA) | 1.2542% | 1,506 |
| Pretax return on assets | 1.8117% | 875 |
| Return on Equity (ROE) | 12.8183% | 1,151 |
| Retained earnings to average equity (ytd only) | 6.2941% | 2,065 |
| Net charge-offs to loans | 0.0677% | 2,416 |
| Credit loss provision to net charge-offs | 175.6098% | 1,369 |
| Earnings coverage of net charge-offs (x) | 42.6000% | 1,082 |
| Efficiency ratio | 61.1020% | 4,811 |
| Assets per employee ($millions) | 3.1735% | 5,381 |
| Cash dividends to net income (ytd only)* | 50.8972% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 3,890 |
| Loan loss allowance to noncurrent loans | 172.9833% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.4908% | 3,985 |
| Noncurrent loans to loans | 0.6843% | 3,435 |
| Net loans and leases to total assets | 65.9772% | 2,950 |
| Net loans and leases to deposits | 73.4949% | 3,554 |
| Net loans and leases to core deposits | 76.6849% | 3,700 |
| Total domestic deposits to total assets | 89.7712% | 760 |
| Equity capital to assets | 10.0118% | 4,025 |
| Core capital (leverage) ratio | 9.0509% | 4,890 |
| Tier 1 risk-based capital ratio | 12.2168% | 4,989 |
| Total risk-based capital ratio | 13.3150% | 4,998 |
| Memoranda: | ||
| Average total assets | $924,220,330 | 758 |
| Average earning assets | $866,519,000 | 743 |
| Average equity | $90,433,330 | 850 |
| Average total loans | $605,730,670 | 778 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0564% | 3,017 |
| Cost of funding earning assets | 0.1244% | 6,093 |
| Net interest margin | 3.9321% | 1,784 |
| Noninterest income to average assets | 1.0852% | 960 |
| Noninterest expense to average assets | 2.9378% | 2,780 |
| Loan and lease loss provision to assets | 0.0992% | 2,043 |
| Net operating income to assets | 1.1990% | 1,554 |
| Return on assets (ROA) | 1.1990% | 1,653 |
| Pretax return on assets | 1.7285% | 994 |
| Return on Equity (ROE) | 12.3959% | 1,244 |
| Retained earnings to average equity (ytd only) | 3.9269% | 3,642 |
| Net charge-offs to loans | 0.0445% | 2,357 |
| Credit loss provision to net charge-offs | 343.2836% | 737 |
| Earnings coverage of net charge-offs (x) | 63.2687% | 702 |
| Efficiency ratio | 61.6484% | 4,853 |
| Assets per employee ($millions) | 3.2719% | 5,289 |
| Cash dividends to net income (ytd only)* | 68.3207% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 3,937 |
| Loan loss allowance to noncurrent loans | 218.0944% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 4,523 |
| Noncurrent loans to loans | 0.5534% | 3,923 |
| Net loans and leases to total assets | 63.4737% | 3,170 |
| Net loans and leases to deposits | 70.5042% | 3,692 |
| Net loans and leases to core deposits | 73.6138% | 3,814 |
| Total domestic deposits to total assets | 90.0282% | 735 |
| Equity capital to assets | 9.6618% | 4,564 |
| Core capital (leverage) ratio | 8.8261% | 5,168 |
| Tier 1 risk-based capital ratio | 12.0591% | 5,200 |
| Total risk-based capital ratio | 13.1689% | 5,186 |
| Memoranda: | ||
| Average total assets | $927,762,500 | 752 |
| Average earning assets | $868,348,500 | 738 |
| Average equity | $89,739,000 | 858 |
| Average total loans | $602,421,500 | 777 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0734% | 3,426 |
| Cost of funding earning assets | 0.1286% | 6,206 |
| Net interest margin | 3.9448% | 2,070 |
| Noninterest income to average assets | 1.1369% | 939 |
| Noninterest expense to average assets | 2.9969% | 2,849 |
| Loan and lease loss provision to assets | 0.1586% | 1,656 |
| Net operating income to assets | 1.1860% | 1,631 |
| Return on assets (ROA) | 1.1947% | 1,669 |
| Pretax return on assets | 1.7220% | 935 |
| Return on Equity (ROE) | 12.5856% | 1,240 |
| Retained earnings to average equity (ytd only) | 7.5616% | 1,176 |
| Net charge-offs to loans | 0.1038% | 3,025 |
| Credit loss provision to net charge-offs | 237.5415% | 1,067 |
| Earnings coverage of net charge-offs (x) | 27.9767% | 1,414 |
| Efficiency ratio | 61.6032% | 4,966 |
| Assets per employee ($millions) | 3.2500% | 5,349 |
| Cash dividends to net income (ytd only)* | 39.9183% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 4,144 |
| Loan loss allowance to noncurrent loans | 154.9028% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.5162% | 4,076 |
| Noncurrent loans to loans | 0.7586% | 3,426 |
| Net loans and leases to total assets | 64.8571% | 3,076 |
| Net loans and leases to deposits | 72.0914% | 3,673 |
| Net loans and leases to core deposits | 75.3572% | 3,781 |
| Total domestic deposits to total assets | 89.9651% | 744 |
| Equity capital to assets | 9.6836% | 4,490 |
| Core capital (leverage) ratio | 8.7339% | 5,318 |
| Tier 1 risk-based capital ratio | 13.1671% | 4,611 |
| Total risk-based capital ratio | 14.3622% | 4,570 |
| Memoranda: | ||
| Average total assets | $901,633,200 | 736 |
| Average earning assets | $852,065,200 | 716 |
| Average equity | $85,590,000 | 861 |
| Average total loans | $580,051,200 | 760 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0505% | 3,558 |
| Cost of funding earning assets | 0.1281% | 6,295 |
| Net interest margin | 3.9224% | 2,149 |
| Noninterest income to average assets | 1.1309% | 945 |
| Noninterest expense to average assets | 3.0047% | 2,787 |
| Loan and lease loss provision to assets | 0.1792% | 1,370 |
| Net operating income to assets | 1.1610% | 1,820 |
| Return on assets (ROA) | 1.1712% | 1,860 |
| Pretax return on assets | 1.6832% | 1,104 |
| Return on Equity (ROE) | 12.4012% | 1,370 |
| Retained earnings to average equity (ytd only) | 7.2865% | 1,682 |
| Net charge-offs to loans | 0.1059% | 2,741 |
| Credit loss provision to net charge-offs | 264.4737% | 1,006 |
| Earnings coverage of net charge-offs (x) | 27.2656% | 1,457 |
| Efficiency ratio | 61.9204% | 4,896 |
| Assets per employee ($millions) | 3.1652% | 5,497 |
| Cash dividends to net income (ytd only)* | 41.2437% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1773% | 4,350 |
| Loan loss allowance to noncurrent loans | 169.7314% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 4,517 |
| Noncurrent loans to loans | 0.6936% | 3,877 |
| Net loans and leases to total assets | 63.4948% | 3,263 |
| Net loans and leases to deposits | 70.3219% | 3,885 |
| Net loans and leases to core deposits | 73.2629% | 4,024 |
| Total domestic deposits to total assets | 90.2917% | 616 |
| Equity capital to assets | 9.3958% | 4,930 |
| Core capital (leverage) ratio | 8.6442% | 5,505 |
| Tier 1 risk-based capital ratio | 12.9643% | 4,888 |
| Total risk-based capital ratio | 14.1539% | 4,835 |
| Memoranda: | ||
| Average total assets | $897,101,000 | 748 |
| Average earning assets | $851,193,000 | 721 |
| Average equity | $84,721,000 | 871 |
| Average total loans | $574,158,000 | 766 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0300% | 3,614 |
| Cost of funding earning assets | 0.1291% | 6,364 |
| Net interest margin | 3.9009% | 2,163 |
| Noninterest income to average assets | 1.1181% | 951 |
| Noninterest expense to average assets | 3.0539% | 2,654 |
| Loan and lease loss provision to assets | 0.1772% | 1,381 |
| Net operating income to assets | 1.1151% | 1,878 |
| Return on assets (ROA) | 1.1306% | 1,909 |
| Pretax return on assets | 1.6165% | 1,212 |
| Return on Equity (ROE) | 11.9501% | 1,438 |
| Retained earnings to average equity (ytd only) | 6.8259% | 1,853 |
| Net charge-offs to loans | 0.1154% | 2,506 |
| Credit loss provision to net charge-offs | 240.3670% | 1,015 |
| Earnings coverage of net charge-offs (x) | 24.0275% | 1,444 |
| Efficiency ratio | 63.2868% | 4,805 |
| Assets per employee ($millions) | 3.1429% | 5,525 |
| Cash dividends to net income (ytd only)* | 42.8799% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 4,658 |
| Loan loss allowance to noncurrent loans | 165.1277% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.4625% | 4,608 |
| Noncurrent loans to loans | 0.6974% | 3,969 |
| Net loans and leases to total assets | 63.5447% | 3,151 |
| Net loans and leases to deposits | 70.3404% | 3,779 |
| Net loans and leases to core deposits | 73.3340% | 3,913 |
| Total domestic deposits to total assets | 90.3388% | 642 |
| Equity capital to assets | 9.3972% | 4,844 |
| Core capital (leverage) ratio | 8.6222% | 5,509 |
| Tier 1 risk-based capital ratio | 12.8839% | 4,987 |
| Total risk-based capital ratio | 14.0440% | 4,981 |
| Memoranda: | ||
| Average total assets | $887,001,330 | 755 |
| Average earning assets | $842,981,330 | 725 |
| Average equity | $83,915,670 | 874 |
| Average total loans | $566,922,000 | 772 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0052% | 3,664 |
| Cost of funding earning assets | 0.1308% | 6,440 |
| Net interest margin | 3.8744% | 2,180 |
| Noninterest income to average assets | 1.1183% | 893 |
| Noninterest expense to average assets | 3.0686% | 2,627 |
| Loan and lease loss provision to assets | 0.1429% | 1,705 |
| Net operating income to assets | 1.1108% | 1,777 |
| Return on assets (ROA) | 1.1297% | 1,766 |
| Pretax return on assets | 1.6121% | 1,148 |
| Return on Equity (ROE) | 11.8995% | 1,439 |
| Retained earnings to average equity (ytd only) | 6.8512% | 2,114 |
| Net charge-offs to loans | 0.1590% | 1,766 |
| Credit loss provision to net charge-offs | 140.9910% | 1,311 |
| Earnings coverage of net charge-offs (x) | 17.0541% | 1,475 |
| Efficiency ratio | 63.9737% | 4,863 |
| Assets per employee ($millions) | 3.0621% | 5,756 |
| Cash dividends to net income (ytd only)* | 42.4242% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 4,991 |
| Loan loss allowance to noncurrent loans | 322.6396% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 5,252 |
| Noncurrent loans to loans | 0.3501% | 5,067 |
| Net loans and leases to total assets | 62.4377% | 3,162 |
| Net loans and leases to deposits | 69.2285% | 3,705 |
| Net loans and leases to core deposits | 72.1384% | 3,860 |
| Total domestic deposits to total assets | 90.1908% | 976 |
| Equity capital to assets | 9.4667% | 4,540 |
| Core capital (leverage) ratio | 8.6691% | 5,429 |
| Tier 1 risk-based capital ratio | 13.0314% | 4,989 |
| Total risk-based capital ratio | 14.1634% | 4,991 |
| Memoranda: | ||
| Average total assets | $876,358,500 | 774 |
| Average earning assets | $832,023,000 | 743 |
| Average equity | $83,196,500 | 880 |
| Average total loans | $558,437,000 | 784 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0827% | 3,805 |
| Cost of funding earning assets | 0.1514% | 6,533 |
| Net interest margin | 3.9313% | 2,172 |
| Noninterest income to average assets | 1.1751% | 1,023 |
| Noninterest expense to average assets | 3.2506% | 2,280 |
| Loan and lease loss provision to assets | 0.0874% | 3,355 |
| Net operating income to assets | 1.1032% | 1,923 |
| Return on assets (ROA) | 1.1046% | 1,987 |
| Pretax return on assets | 1.5620% | 1,265 |
| Return on Equity (ROE) | 11.7882% | 1,492 |
| Retained earnings to average equity (ytd only) | 8.6268% | 867 |
| Net charge-offs to loans | 0.1221% | 3,591 |
| Credit loss provision to net charge-offs | 115.5864% | 2,088 |
| Earnings coverage of net charge-offs (x) | 21.7963% | 1,479 |
| Efficiency ratio | 66.3666% | 4,494 |
| Assets per employee ($millions) | 2.9307% | 5,938 |
| Cash dividends to net income (ytd only)* | 26.8187% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 4,994 |
| Loan loss allowance to noncurrent loans | 394.0252% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 5,412 |
| Noncurrent loans to loans | 0.2869% | 5,329 |
| Net loans and leases to total assets | 63.5863% | 3,117 |
| Net loans and leases to deposits | 70.4776% | 3,725 |
| Net loans and leases to core deposits | 73.4457% | 3,901 |
| Total domestic deposits to total assets | 90.2220% | 956 |
| Equity capital to assets | 9.5211% | 4,397 |
| Core capital (leverage) ratio | 8.5611% | 5,598 |
| Tier 1 risk-based capital ratio | 12.9030% | 5,047 |
| Total risk-based capital ratio | 14.0297% | 5,074 |
| Memoranda: | ||
| Average total assets | $857,384,200 | 773 |
| Average earning assets | $811,919,000 | 734 |
| Average equity | $80,343,000 | 892 |
| Average total loans | $530,876,400 | 801 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0526% | 3,929 |
| Cost of funding earning assets | 0.1545% | 6,618 |
| Net interest margin | 3.8981% | 2,281 |
| Noninterest income to average assets | 1.1854% | 1,043 |
| Noninterest expense to average assets | 3.2532% | 2,197 |
| Loan and lease loss provision to assets | 0.0869% | 3,322 |
| Net operating income to assets | 1.0948% | 2,025 |
| Return on assets (ROA) | 1.0960% | 2,096 |
| Pretax return on assets | 1.5388% | 1,501 |
| Return on Equity (ROE) | 11.7432% | 1,559 |
| Retained earnings to average equity (ytd only) | 11.0508% | 569 |
| Net charge-offs to loans | 0.0970% | 3,586 |
| Credit loss provision to net charge-offs | 146.0733% | 1,613 |
| Earnings coverage of net charge-offs (x) | 27.3037% | 1,316 |
| Efficiency ratio | 66.7028% | 4,356 |
| Assets per employee ($millions) | 2.9261% | 5,968 |
| Cash dividends to net income (ytd only)* | 5.8957% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 5,079 |
| Loan loss allowance to noncurrent loans | 406.1499% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 5,490 |
| Noncurrent loans to loans | 0.2850% | 5,519 |
| Net loans and leases to total assets | 62.2880% | 3,312 |
| Net loans and leases to deposits | 69.0418% | 3,928 |
| Net loans and leases to core deposits | 71.8879% | 4,110 |
| Total domestic deposits to total assets | 90.2179% | 883 |
| Equity capital to assets | 9.4053% | 4,668 |
| Core capital (leverage) ratio | 8.6741% | 5,573 |
| Tier 1 risk-based capital ratio | 13.0013% | 5,125 |
| Total risk-based capital ratio | 14.1546% | 5,129 |
| Memoranda: | ||
| Average total assets | $856,321,000 | 776 |
| Average earning assets | $811,012,750 | 743 |
| Average equity | $79,919,500 | 902 |
| Average total loans | $525,058,500 | 812 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 4,011 |
| Cost of funding earning assets | 0.1588% | 6,678 |
| Net interest margin | 3.8669% | 2,317 |
| Noninterest income to average assets | 1.1837% | 1,084 |
| Noninterest expense to average assets | 3.2622% | 2,180 |
| Loan and lease loss provision to assets | 0.1012% | 3,107 |
| Net operating income to assets | 1.0689% | 2,038 |
| Return on assets (ROA) | 1.0689% | 2,157 |
| Pretax return on assets | 1.4790% | 1,676 |
| Return on Equity (ROE) | 11.4835% | 1,643 |
| Retained earnings to average equity (ytd only) | 11.4835% | 571 |
| Net charge-offs to loans | 0.1186% | 3,181 |
| Credit loss provision to net charge-offs | 140.3909% | 1,618 |
| Earnings coverage of net charge-offs (x) | 21.9283% | 1,395 |
| Efficiency ratio | 67.3679% | 4,291 |
| Assets per employee ($millions) | 2.7262% | 6,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 5,049 |
| Loan loss allowance to noncurrent loans | 564.4524% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 5,488 |
| Noncurrent loans to loans | 0.2105% | 5,776 |
| Net loans and leases to total assets | 62.4784% | 3,203 |
| Net loans and leases to deposits | 69.2885% | 3,820 |
| Net loans and leases to core deposits | 72.4282% | 3,992 |
| Total domestic deposits to total assets | 90.1714% | 938 |
| Equity capital to assets | 9.5456% | 4,524 |
| Core capital (leverage) ratio | 8.5572% | 5,598 |
| Tier 1 risk-based capital ratio | 12.9306% | 5,196 |
| Total risk-based capital ratio | 14.1014% | 5,186 |
| Memoranda: | ||
| Average total assets | $852,076,000 | 779 |
| Average earning assets | $806,182,670 | 750 |
| Average equity | $79,313,670 | 918 |
| Average total loans | $517,525,330 | 817 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 4,231 |
| Cost of funding earning assets | 0.1614% | 6,760 |
| Net interest margin | 3.8100% | 2,407 |
| Noninterest income to average assets | 1.1526% | 1,132 |
| Noninterest expense to average assets | 3.2288% | 2,274 |
| Loan and lease loss provision to assets | 0.1126% | 2,823 |
| Net operating income to assets | 1.0600% | 1,993 |
| Return on assets (ROA) | 1.0586% | 2,118 |
| Pretax return on assets | 1.4132% | 1,815 |
| Return on Equity (ROE) | 11.5154% | 1,551 |
| Retained earnings to average equity (ytd only) | 11.5154% | 776 |
| Net charge-offs to loans | 0.1188% | 2,715 |
| Credit loss provision to net charge-offs | 159.2105% | 1,306 |
| Earnings coverage of net charge-offs (x) | 21.5987% | 1,155 |
| Efficiency ratio | 67.8830% | 4,328 |
| Assets per employee ($millions) | 2.7593% | 6,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 5,093 |
| Loan loss allowance to noncurrent loans | 442.9178% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 5,436 |
| Noncurrent loans to loans | 0.2755% | 5,713 |
| Net loans and leases to total assets | 58.4398% | 3,717 |
| Net loans and leases to deposits | 64.6525% | 4,234 |
| Net loans and leases to core deposits | 67.5263% | 4,357 |
| Total domestic deposits to total assets | 90.3905% | 823 |
| Equity capital to assets | 9.2306% | 5,221 |
| Core capital (leverage) ratio | 8.0262% | 6,119 |
| Tier 1 risk-based capital ratio | 12.7688% | 5,387 |
| Total risk-based capital ratio | 13.9577% | 5,373 |
| Memoranda: | ||
| Average total assets | $859,636,500 | 778 |
| Average earning assets | $813,119,500 | 747 |
| Average equity | $79,024,500 | 931 |
| Average total loans | $511,686,000 | 830 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1313% | 4,836 |
| Cost of funding earning assets | 0.2119% | 6,802 |
| Net interest margin | 3.9194% | 2,748 |
| Noninterest income to average assets | 1.2434% | 1,006 |
| Noninterest expense to average assets | 3.3349% | 2,239 |
| Loan and lease loss provision to assets | 0.1205% | 4,111 |
| Net operating income to assets | 1.0682% | 2,056 |
| Return on assets (ROA) | 1.1078% | 2,091 |
| Pretax return on assets | 1.5588% | 1,492 |
| Return on Equity (ROE) | 11.7186% | 1,587 |
| Retained earnings to average equity (ytd only) | 0.9099% | 5,416 |
| Net charge-offs to loans | 0.1745% | 3,980 |
| Credit loss provision to net charge-offs | 116.3573% | 2,479 |
| Earnings coverage of net charge-offs (x) | 15.6775% | 1,636 |
| Efficiency ratio | 67.2570% | 4,280 |
| Assets per employee ($millions) | 2.6820% | 6,443 |
| Cash dividends to net income (ytd only)* | 92.2351% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 5,081 |
| Loan loss allowance to noncurrent loans | 347.8555% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 5,507 |
| Noncurrent loans to loans | 0.3469% | 5,617 |
| Net loans and leases to total assets | 59.1685% | 3,763 |
| Net loans and leases to deposits | 65.3762% | 4,373 |
| Net loans and leases to core deposits | 68.4526% | 4,487 |
| Total domestic deposits to total assets | 90.5046% | 699 |
| Equity capital to assets | 9.1544% | 5,331 |
| Core capital (leverage) ratio | 7.9840% | 6,207 |
| Tier 1 risk-based capital ratio | 12.3221% | 5,586 |
| Total risk-based capital ratio | 13.4910% | 5,591 |
| Memoranda: | ||
| Average total assets | $832,381,600 | 790 |
| Average earning assets | $788,970,400 | 757 |
| Average equity | $78,687,000 | 892 |
| Average total loans | $493,858,200 | 835 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 5,045 |
| Cost of funding earning assets | 0.2234% | 6,894 |
| Net interest margin | 3.9153% | 2,858 |
| Noninterest income to average assets | 1.2094% | 1,028 |
| Noninterest expense to average assets | 3.3282% | 2,189 |
| Loan and lease loss provision to assets | 0.1302% | 3,923 |
| Net operating income to assets | 1.0508% | 2,283 |
| Return on assets (ROA) | 1.1047% | 2,261 |
| Pretax return on assets | 1.5406% | 1,750 |
| Return on Equity (ROE) | 11.5911% | 1,763 |
| Retained earnings to average equity (ytd only) | 6.0864% | 2,643 |
| Net charge-offs to loans | 0.1756% | 3,708 |
| Credit loss provision to net charge-offs | 125.2713% | 2,300 |
| Earnings coverage of net charge-offs (x) | 15.3535% | 1,767 |
| Efficiency ratio | 67.5875% | 4,155 |
| Assets per employee ($millions) | 2.6015% | 6,599 |
| Cash dividends to net income (ytd only)* | 47.4905% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 5,081 |
| Loan loss allowance to noncurrent loans | 289.8782% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4059% | 5,677 |
| Noncurrent loans to loans | 0.4288% | 5,589 |
| Net loans and leases to total assets | 58.4938% | 4,048 |
| Net loans and leases to deposits | 65.0673% | 4,584 |
| Net loans and leases to core deposits | 68.2664% | 4,704 |
| Total domestic deposits to total assets | 89.8973% | 894 |
| Equity capital to assets | 9.6536% | 4,987 |
| Core capital (leverage) ratio | 8.3326% | 5,963 |
| Tier 1 risk-based capital ratio | 13.1589% | 5,122 |
| Total risk-based capital ratio | 14.3630% | 5,119 |
| Memoranda: | ||
| Average total assets | $827,260,000 | 799 |
| Average earning assets | $784,908,000 | 764 |
| Average equity | $78,840,000 | 894 |
| Average total loans | $489,624,500 | 844 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1709% | 5,050 |
| Cost of funding earning assets | 0.2338% | 6,962 |
| Net interest margin | 3.9371% | 2,759 |
| Noninterest income to average assets | 1.2062% | 985 |
| Noninterest expense to average assets | 3.3554% | 2,141 |
| Loan and lease loss provision to assets | 0.1636% | 3,463 |
| Net operating income to assets | 1.0325% | 2,329 |
| Return on assets (ROA) | 1.1148% | 2,209 |
| Pretax return on assets | 1.5367% | 1,760 |
| Return on Equity (ROE) | 11.7493% | 1,751 |
| Retained earnings to average equity (ytd only) | 6.1142% | 2,644 |
| Net charge-offs to loans | 0.2029% | 3,361 |
| Credit loss provision to net charge-offs | 136.2348% | 2,020 |
| Earnings coverage of net charge-offs (x) | 13.2227% | 1,811 |
| Efficiency ratio | 67.8828% | 4,146 |
| Assets per employee ($millions) | 2.5813% | 6,678 |
| Cash dividends to net income (ytd only)* | 47.9616% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 5,038 |
| Loan loss allowance to noncurrent loans | 279.7474% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 5,780 |
| Noncurrent loans to loans | 0.4539% | 5,626 |
| Net loans and leases to total assets | 58.5597% | 4,068 |
| Net loans and leases to deposits | 65.0735% | 4,634 |
| Net loans and leases to core deposits | 68.1759% | 4,767 |
| Total domestic deposits to total assets | 89.9902% | 928 |
| Equity capital to assets | 9.6476% | 4,840 |
| Core capital (leverage) ratio | 8.3756% | 5,824 |
| Tier 1 risk-based capital ratio | 13.1962% | 5,038 |
| Total risk-based capital ratio | 14.4255% | 5,032 |
| Memoranda: | ||
| Average total assets | $822,919,670 | 807 |
| Average earning assets | $781,028,000 | 769 |
| Average equity | $78,081,000 | 896 |
| Average total loans | $486,933,330 | 846 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2186% | 5,044 |
| Cost of funding earning assets | 0.2409% | 7,029 |
| Net interest margin | 3.9776% | 2,599 |
| Noninterest income to average assets | 1.2068% | 986 |
| Noninterest expense to average assets | 3.3330% | 2,193 |
| Loan and lease loss provision to assets | 0.1896% | 3,061 |
| Net operating income to assets | 1.0950% | 2,111 |
| Return on assets (ROA) | 1.1416% | 2,096 |
| Pretax return on assets | 1.5190% | 1,826 |
| Return on Equity (ROE) | 12.1341% | 1,645 |
| Retained earnings to average equity (ytd only) | 6.1911% | 2,842 |
| Net charge-offs to loans | 0.3447% | 2,270 |
| Credit loss provision to net charge-offs | 93.0788% | 2,492 |
| Earnings coverage of net charge-offs (x) | 8.0811% | 2,002 |
| Efficiency ratio | 66.9368% | 4,369 |
| Assets per employee ($millions) | 2.6066% | 6,737 |
| Cash dividends to net income (ytd only)* | 48.9779% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 5,232 |
| Loan loss allowance to noncurrent loans | 205.3443% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 5,754 |
| Noncurrent loans to loans | 0.6098% | 5,442 |
| Net loans and leases to total assets | 55.9694% | 4,393 |
| Net loans and leases to deposits | 61.8885% | 4,937 |
| Net loans and leases to core deposits | 64.6445% | 5,047 |
| Total domestic deposits to total assets | 90.4358% | 844 |
| Equity capital to assets | 9.2122% | 5,218 |
| Core capital (leverage) ratio | 8.3250% | 5,836 |
| Tier 1 risk-based capital ratio | 13.2741% | 5,009 |
| Total risk-based capital ratio | 14.4917% | 5,019 |
| Memoranda: | ||
| Average total assets | $822,670,000 | 809 |
| Average earning assets | $780,262,000 | 774 |
| Average equity | $77,401,500 | 903 |
| Average total loans | $486,203,000 | 847 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4761% | 5,162 |
| Cost of funding earning assets | 0.3112% | 7,090 |
| Net interest margin | 4.1650% | 2,177 |
| Noninterest income to average assets | 1.2058% | 912 |
| Noninterest expense to average assets | 3.4624% | 2,086 |
| Loan and lease loss provision to assets | 0.1579% | 4,660 |
| Net operating income to assets | 1.0745% | 1,908 |
| Return on assets (ROA) | 1.0879% | 1,999 |
| Pretax return on assets | 1.5444% | 1,357 |
| Return on Equity (ROE) | 11.5909% | 1,531 |
| Retained earnings to average equity (ytd only) | 5.6357% | 2,218 |
| Net charge-offs to loans | 0.2836% | 4,006 |
| Credit loss provision to net charge-offs | 90.4000% | 3,989 |
| Earnings coverage of net charge-offs (x) | 9.6356% | 1,954 |
| Efficiency ratio | 67.2897% | 4,519 |
| Assets per employee ($millions) | 2.5833% | 6,743 |
| Cash dividends to net income (ytd only)* | 51.3779% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 5,294 |
| Loan loss allowance to noncurrent loans | 153.1401% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 5,471 |
| Noncurrent loans to loans | 0.7966% | 5,096 |
| Net loans and leases to total assets | 60.9022% | 3,808 |
| Net loans and leases to deposits | 67.6676% | 4,488 |
| Net loans and leases to core deposits | 70.2803% | 4,744 |
| Total domestic deposits to total assets | 90.0020% | 993 |
| Equity capital to assets | 9.6156% | 4,720 |
| Core capital (leverage) ratio | 8.2969% | 5,863 |
| Tier 1 risk-based capital ratio | 12.6755% | 5,322 |
| Total risk-based capital ratio | 13.8656% | 5,344 |
| Memoranda: | ||
| Average total assets | $787,179,600 | 835 |
| Average earning assets | $744,594,400 | 796 |
| Average equity | $73,885,800 | 915 |
| Average total loans | $484,818,400 | 860 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4859% | 5,290 |
| Cost of funding earning assets | 0.3259% | 7,170 |
| Net interest margin | 4.1599% | 2,240 |
| Noninterest income to average assets | 1.2001% | 918 |
| Noninterest expense to average assets | 3.4975% | 1,946 |
| Loan and lease loss provision to assets | 0.1749% | 4,287 |
| Net operating income to assets | 1.0343% | 2,201 |
| Return on assets (ROA) | 1.0520% | 2,278 |
| Pretax return on assets | 1.4888% | 1,682 |
| Return on Equity (ROE) | 11.2782% | 1,767 |
| Retained earnings to average equity (ytd only) | 5.5333% | 2,840 |
| Net charge-offs to loans | 0.3006% | 3,591 |
| Credit loss provision to net charge-offs | 94.4853% | 3,621 |
| Earnings coverage of net charge-offs (x) | 8.8548% | 2,118 |
| Efficiency ratio | 68.0930% | 4,295 |
| Assets per employee ($millions) | 2.5838% | 6,801 |
| Cash dividends to net income (ytd only)* | 50.9379% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 5,195 |
| Loan loss allowance to noncurrent loans | 148.4413% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.5886% | 5,645 |
| Noncurrent loans to loans | 0.8482% | 5,175 |
| Net loans and leases to total assets | 59.1053% | 4,304 |
| Net loans and leases to deposits | 65.5781% | 4,960 |
| Net loans and leases to core deposits | 68.1172% | 5,165 |
| Total domestic deposits to total assets | 90.1297% | 797 |
| Equity capital to assets | 9.4200% | 5,208 |
| Core capital (leverage) ratio | 8.3729% | 5,891 |
| Tier 1 risk-based capital ratio | 12.8053% | 5,242 |
| Total risk-based capital ratio | 14.0424% | 5,238 |
| Memoranda: | ||
| Average total assets | $783,771,500 | 844 |
| Average earning assets | $741,628,000 | 809 |
| Average equity | $73,106,500 | 928 |
| Average total loans | $482,589,250 | 879 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5414% | 5,208 |
| Cost of funding earning assets | 0.3460% | 7,231 |
| Net interest margin | 4.1953% | 2,055 |
| Noninterest income to average assets | 1.1810% | 920 |
| Noninterest expense to average assets | 3.5012% | 1,971 |
| Loan and lease loss provision to assets | 0.2288% | 3,627 |
| Net operating income to assets | 1.0058% | 2,203 |
| Return on assets (ROA) | 1.0033% | 2,313 |
| Pretax return on assets | 1.4123% | 1,768 |
| Return on Equity (ROE) | 10.7933% | 1,869 |
| Retained earnings to average equity (ytd only) | 4.9666% | 3,029 |
| Net charge-offs to loans | 0.3460% | 3,168 |
| Credit loss provision to net charge-offs | 106.3549% | 2,903 |
| Earnings coverage of net charge-offs (x) | 7.6463% | 2,191 |
| Efficiency ratio | 68.0383% | 4,505 |
| Assets per employee ($millions) | 2.3826% | 7,042 |
| Cash dividends to net income (ytd only)* | 53.9846% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 5,143 |
| Loan loss allowance to noncurrent loans | 132.1132% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6256% | 5,673 |
| Noncurrent loans to loans | 0.9701% | 5,047 |
| Net loans and leases to total assets | 61.5623% | 3,975 |
| Net loans and leases to deposits | 68.3006% | 4,659 |
| Net loans and leases to core deposits | 71.0111% | 4,952 |
| Total domestic deposits to total assets | 90.1344% | 906 |
| Equity capital to assets | 9.5176% | 4,794 |
| Core capital (leverage) ratio | 8.3047% | 5,863 |
| Tier 1 risk-based capital ratio | 12.4656% | 5,379 |
| Total risk-based capital ratio | 13.7115% | 5,361 |
| Memoranda: | ||
| Average total assets | $775,456,670 | 862 |
| Average earning assets | $732,860,000 | 825 |
| Average equity | $72,081,670 | 938 |
| Average total loans | $482,089,330 | 898 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5346% | 5,228 |
| Cost of funding earning assets | 0.3583% | 7,307 |
| Net interest margin | 4.1764% | 1,976 |
| Noninterest income to average assets | 1.1631% | 955 |
| Noninterest expense to average assets | 3.6209% | 1,721 |
| Loan and lease loss provision to assets | 0.2333% | 3,314 |
| Net operating income to assets | 0.9036% | 2,546 |
| Return on assets (ROA) | 0.8962% | 2,641 |
| Pretax return on assets | 1.2462% | 2,206 |
| Return on Equity (ROE) | 9.7582% | 2,185 |
| Retained earnings to average equity (ytd only) | 3.8561% | 3,861 |
| Net charge-offs to loans | 0.6437% | 1,918 |
| Credit loss provision to net charge-offs | 58.3979% | 3,575 |
| Earnings coverage of net charge-offs (x) | 3.7287% | 2,652 |
| Efficiency ratio | 70.8485% | 4,086 |
| Assets per employee ($millions) | 2.3517% | 7,143 |
| Cash dividends to net income (ytd only)* | 60.4839% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 5,552 |
| Loan loss allowance to noncurrent loans | 121.6983% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.6257% | 5,704 |
| Noncurrent loans to loans | 0.9993% | 5,049 |
| Net loans and leases to total assets | 61.0494% | 4,067 |
| Net loans and leases to deposits | 67.4820% | 4,748 |
| Net loans and leases to core deposits | 70.4908% | 4,981 |
| Total domestic deposits to total assets | 90.4676% | 856 |
| Equity capital to assets | 9.2471% | 4,820 |
| Core capital (leverage) ratio | 8.2536% | 5,897 |
| Tier 1 risk-based capital ratio | 12.3327% | 5,414 |
| Total risk-based capital ratio | 13.5110% | 5,467 |
| Memoranda: | ||
| Average total assets | $774,829,000 | 871 |
| Average earning assets | $732,407,000 | 833 |
| Average equity | $71,160,500 | 947 |
| Average total loans | $480,949,000 | 909 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7713% | 5,522 |
| Cost of funding earning assets | 0.4595% | 7,353 |
| Net interest margin | 4.3117% | 1,782 |
| Noninterest income to average assets | 1.2016% | 1,037 |
| Noninterest expense to average assets | 3.6078% | 1,904 |
| Loan and lease loss provision to assets | 0.2456% | 4,832 |
| Net operating income to assets | 1.0434% | 1,897 |
| Return on assets (ROA) | 1.0641% | 1,914 |
| Pretax return on assets | 1.4415% | 1,534 |
| Return on Equity (ROE) | 11.5998% | 1,419 |
| Retained earnings to average equity (ytd only) | 6.4463% | 1,586 |
| Net charge-offs to loans | 0.1499% | 5,455 |
| Credit loss provision to net charge-offs | 257.9750% | 1,093 |
| Earnings coverage of net charge-offs (x) | 17.4258% | 1,150 |
| Efficiency ratio | 68.4986% | 4,455 |
| Assets per employee ($millions) | 2.3301% | 7,190 |
| Cash dividends to net income (ytd only)* | 44.4279% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 5,127 |
| Loan loss allowance to noncurrent loans | 170.6877% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 6,066 |
| Noncurrent loans to loans | 0.7477% | 5,549 |
| Net loans and leases to total assets | 61.5475% | 4,387 |
| Net loans and leases to deposits | 67.9371% | 5,111 |
| Net loans and leases to core deposits | 71.1477% | 5,314 |
| Total domestic deposits to total assets | 90.5949% | 791 |
| Equity capital to assets | 9.1207% | 4,966 |
| Core capital (leverage) ratio | 8.1034% | 6,009 |
| Tier 1 risk-based capital ratio | 12.1249% | 5,358 |
| Total risk-based capital ratio | 13.3587% | 5,362 |
| Memoranda: | ||
| Average total assets | $757,249,200 | 892 |
| Average earning assets | $713,981,800 | 857 |
| Average equity | $69,466,600 | 967 |
| Average total loans | $480,935,200 | 935 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7944% | 5,682 |
| Cost of funding earning assets | 0.4806% | 7,470 |
| Net interest margin | 4.3138% | 1,801 |
| Noninterest income to average assets | 1.1942% | 979 |
| Noninterest expense to average assets | 3.5556% | 1,893 |
| Loan and lease loss provision to assets | 0.2470% | 4,621 |
| Net operating income to assets | 1.0873% | 1,931 |
| Return on assets (ROA) | 1.1108% | 1,964 |
| Pretax return on assets | 1.4876% | 1,648 |
| Return on Equity (ROE) | 12.0913% | 1,476 |
| Retained earnings to average equity (ytd only) | 7.2162% | 1,744 |
| Net charge-offs to loans | 0.1395% | 5,187 |
| Credit loss provision to net charge-offs | 277.3360% | 1,176 |
| Earnings coverage of net charge-offs (x) | 19.1272% | 1,221 |
| Efficiency ratio | 67.6126% | 4,538 |
| Assets per employee ($millions) | 2.3345% | 7,273 |
| Cash dividends to net income (ytd only)* | 40.3187% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 5,338 |
| Loan loss allowance to noncurrent loans | 145.0528% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.5444% | 6,064 |
| Noncurrent loans to loans | 0.8488% | 5,525 |
| Net loans and leases to total assets | 61.1521% | 4,690 |
| Net loans and leases to deposits | 67.7225% | 5,460 |
| Net loans and leases to core deposits | 71.1832% | 5,616 |
| Total domestic deposits to total assets | 90.2982% | 729 |
| Equity capital to assets | 9.2665% | 5,193 |
| Core capital (leverage) ratio | 8.0073% | 6,334 |
| Tier 1 risk-based capital ratio | 12.1616% | 5,310 |
| Total risk-based capital ratio | 13.3644% | 5,312 |
| Memoranda: | ||
| Average total assets | $753,164,500 | 895 |
| Average earning assets | $709,644,500 | 865 |
| Average equity | $69,194,000 | 964 |
| Average total loans | $480,599,250 | 940 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8291% | 5,687 |
| Cost of funding earning assets | 0.4967% | 7,550 |
| Net interest margin | 4.3324% | 1,659 |
| Noninterest income to average assets | 1.2396% | 844 |
| Noninterest expense to average assets | 3.6280% | 1,713 |
| Loan and lease loss provision to assets | 0.2494% | 4,429 |
| Net operating income to assets | 1.1182% | 1,789 |
| Return on assets (ROA) | 1.1182% | 1,858 |
| Pretax return on assets | 1.4413% | 1,722 |
| Return on Equity (ROE) | 12.2075% | 1,400 |
| Retained earnings to average equity (ytd only) | 7.2747% | 1,722 |
| Net charge-offs to loans | 0.1672% | 4,613 |
| Credit loss provision to net charge-offs | 231.3433% | 1,670 |
| Earnings coverage of net charge-offs (x) | 15.6841% | 1,443 |
| Efficiency ratio | 68.2128% | 4,538 |
| Assets per employee ($millions) | 2.3657% | 7,278 |
| Cash dividends to net income (ytd only)* | 40.4077% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 5,674 |
| Loan loss allowance to noncurrent loans | 142.4095% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 6,162 |
| Noncurrent loans to loans | 0.8095% | 5,659 |
| Net loans and leases to total assets | 62.0178% | 4,680 |
| Net loans and leases to deposits | 68.5382% | 5,487 |
| Net loans and leases to core deposits | 72.5159% | 5,622 |
| Total domestic deposits to total assets | 90.4866% | 687 |
| Equity capital to assets | 9.1026% | 5,291 |
| Core capital (leverage) ratio | 8.0241% | 6,245 |
| Tier 1 risk-based capital ratio | 12.0049% | 5,303 |
| Total risk-based capital ratio | 13.1439% | 5,380 |
| Memoranda: | ||
| Average total assets | $745,869,670 | 914 |
| Average earning assets | $702,243,000 | 879 |
| Average equity | $68,318,670 | 972 |
| Average total loans | $480,843,330 | 951 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8875% | 5,529 |
| Cost of funding earning assets | 0.5098% | 7,662 |
| Net interest margin | 4.3778% | 1,450 |
| Noninterest income to average assets | 1.2475% | 792 |
| Noninterest expense to average assets | 3.6375% | 1,647 |
| Loan and lease loss provision to assets | 0.2529% | 4,021 |
| Net operating income to assets | 1.2246% | 1,475 |
| Return on assets (ROA) | 1.2246% | 1,549 |
| Pretax return on assets | 1.4715% | 1,593 |
| Return on Equity (ROE) | 13.3269% | 1,185 |
| Retained earnings to average equity (ytd only) | 8.3560% | 1,572 |
| Net charge-offs to loans | 0.1007% | 4,409 |
| Credit loss provision to net charge-offs | 384.2975% | 1,054 |
| Earnings coverage of net charge-offs (x) | 26.2066% | 964 |
| Efficiency ratio | 67.8398% | 4,749 |
| Assets per employee ($millions) | 2.2392% | 7,513 |
| Cash dividends to net income (ytd only)* | 37.3002% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 5,888 |
| Loan loss allowance to noncurrent loans | 150.4773% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 6,271 |
| Noncurrent loans to loans | 0.7481% | 5,827 |
| Net loans and leases to total assets | 62.7573% | 4,599 |
| Net loans and leases to deposits | 69.3744% | 5,423 |
| Net loans and leases to core deposits | 73.9280% | 5,502 |
| Total domestic deposits to total assets | 90.4618% | 754 |
| Equity capital to assets | 9.1205% | 5,106 |
| Core capital (leverage) ratio | 8.1316% | 6,020 |
| Tier 1 risk-based capital ratio | 11.9392% | 5,264 |
| Total risk-based capital ratio | 13.0554% | 5,333 |
| Memoranda: | ||
| Average total assets | $735,557,500 | 939 |
| Average earning assets | $691,311,000 | 912 |
| Average equity | $67,592,500 | 983 |
| Average total loans | $480,811,500 | 983 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2372% | 5,475 |
| Cost of funding earning assets | 0.6826% | 7,704 |
| Net interest margin | 4.5546% | 1,064 |
| Noninterest income to average assets | 1.3355% | 839 |
| Noninterest expense to average assets | 3.7447% | 1,810 |
| Loan and lease loss provision to assets | 0.4429% | 4,173 |
| Net operating income to assets | 0.9993% | 1,846 |
| Return on assets (ROA) | 0.9993% | 1,887 |
| Pretax return on assets | 1.4271% | 1,369 |
| Return on Equity (ROE) | 10.7188% | 1,500 |
| Retained earnings to average equity (ytd only) | 4.0491% | 2,385 |
| Net charge-offs to loans | 0.5591% | 3,543 |
| Credit loss provision to net charge-offs | 117.3208% | 4,622 |
| Earnings coverage of net charge-offs (x) | 4.9536% | 2,742 |
| Efficiency ratio | 66.6946% | 5,247 |
| Assets per employee ($millions) | 2.1914% | 7,581 |
| Cash dividends to net income (ytd only)* | 62.2238% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 6,200 |
| Loan loss allowance to noncurrent loans | 177.9986% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.4251% | 6,404 |
| Noncurrent loans to loans | 0.5804% | 6,082 |
| Net loans and leases to total assets | 66.6429% | 4,005 |
| Net loans and leases to deposits | 73.7513% | 5,089 |
| Net loans and leases to core deposits | 86.4110% | 5,483 |
| Total domestic deposits to total assets | 90.3617% | 801 |
| Equity capital to assets | 9.2609% | 4,755 |
| Core capital (leverage) ratio | 8.2624% | 5,699 |
| Tier 1 risk-based capital ratio | 11.4210% | 5,485 |
| Total risk-based capital ratio | 12.4467% | 5,680 |
| Memoranda: | ||
| Average total assets | $701,972,400 | 978 |
| Average earning assets | $659,532,400 | 939 |
| Average equity | $65,446,000 | 1,014 |
| Average total loans | $473,954,800 | 1,012 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2971% | 5,439 |
| Cost of funding earning assets | 0.7425% | 7,770 |
| Net interest margin | 4.5546% | 1,070 |
| Noninterest income to average assets | 1.3375% | 860 |
| Noninterest expense to average assets | 3.7336% | 1,742 |
| Loan and lease loss provision to assets | 0.4546% | 3,641 |
| Net operating income to assets | 1.0093% | 2,021 |
| Return on assets (ROA) | 1.0093% | 2,084 |
| Pretax return on assets | 1.4346% | 1,609 |
| Return on Equity (ROE) | 10.8072% | 1,673 |
| Retained earnings to average equity (ytd only) | 5.3504% | 2,282 |
| Net charge-offs to loans | 0.6349% | 2,780 |
| Credit loss provision to net charge-offs | 105.9741% | 4,801 |
| Earnings coverage of net charge-offs (x) | 4.4044% | 3,142 |
| Efficiency ratio | 66.4014% | 5,303 |
| Assets per employee ($millions) | 2.0986% | 7,719 |
| Cash dividends to net income (ytd only)* | 50.4925% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 6,463 |
| Loan loss allowance to noncurrent loans | 192.6489% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4200% | 6,402 |
| Noncurrent loans to loans | 0.5014% | 6,306 |
| Net loans and leases to total assets | 70.7277% | 3,330 |
| Net loans and leases to deposits | 79.0282% | 4,556 |
| Net loans and leases to core deposits | 91.5126% | 5,280 |
| Total domestic deposits to total assets | 89.4968% | 962 |
| Equity capital to assets | 9.8763% | 4,237 |
| Core capital (leverage) ratio | 8.3908% | 5,677 |
| Tier 1 risk-based capital ratio | 11.5471% | 5,387 |
| Total risk-based capital ratio | 12.5296% | 5,601 |
| Memoranda: | ||
| Average total assets | $697,220,250 | 995 |
| Average earning assets | $655,990,000 | 953 |
| Average equity | $65,115,250 | 1,029 |
| Average total loans | $471,068,750 | 1,040 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2524% | 5,852 |
| Cost of funding earning assets | 0.7825% | 7,840 |
| Net interest margin | 4.4699% | 1,246 |
| Noninterest income to average assets | 1.3155% | 885 |
| Noninterest expense to average assets | 3.6980% | 1,844 |
| Loan and lease loss provision to assets | 0.4544% | 3,261 |
| Net operating income to assets | 0.9642% | 2,228 |
| Return on assets (ROA) | 0.9642% | 2,332 |
| Pretax return on assets | 1.3676% | 1,811 |
| Return on Equity (ROE) | 10.5190% | 1,842 |
| Retained earnings to average equity (ytd only) | 5.2734% | 2,359 |
| Net charge-offs to loans | 0.3132% | 3,622 |
| Credit loss provision to net charge-offs | 218.7671% | 2,102 |
| Earnings coverage of net charge-offs (x) | 8.7726% | 2,219 |
| Efficiency ratio | 66.9931% | 5,364 |
| Assets per employee ($millions) | 2.2546% | 7,615 |
| Cash dividends to net income (ytd only)* | 49.8672% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 5,332 |
| Loan loss allowance to noncurrent loans | 158.5965% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.5484% | 6,054 |
| Noncurrent loans to loans | 0.7189% | 5,798 |
| Net loans and leases to total assets | 67.0767% | 4,343 |
| Net loans and leases to deposits | 74.3387% | 5,408 |
| Net loans and leases to core deposits | 85.0306% | 6,009 |
| Total domestic deposits to total assets | 90.2312% | 739 |
| Equity capital to assets | 9.2618% | 4,925 |
| Core capital (leverage) ratio | 8.0118% | 6,307 |
| Tier 1 risk-based capital ratio | 11.5115% | 5,368 |
| Total risk-based capital ratio | 12.6150% | 5,441 |
| Memoranda: | ||
| Average total assets | $702,979,670 | 999 |
| Average earning assets | $661,221,000 | 964 |
| Average equity | $64,436,000 | 1,052 |
| Average total loans | $466,225,670 | 1,066 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2812% | 5,969 |
| Cost of funding earning assets | 0.8449% | 7,871 |
| Net interest margin | 4.4363% | 1,257 |
| Noninterest income to average assets | 1.2792% | 875 |
| Noninterest expense to average assets | 3.4892% | 2,127 |
| Loan and lease loss provision to assets | 0.3216% | 3,401 |
| Net operating income to assets | 1.1468% | 1,815 |
| Return on assets (ROA) | 1.1468% | 1,937 |
| Pretax return on assets | 1.6429% | 1,308 |
| Return on Equity (ROE) | 12.5764% | 1,490 |
| Retained earnings to average equity (ytd only) | 7.3103% | 2,096 |
| Net charge-offs to loans | 0.4377% | 2,356 |
| Credit loss provision to net charge-offs | 112.0792% | 3,454 |
| Earnings coverage of net charge-offs (x) | 6.8455% | 2,430 |
| Efficiency ratio | 63.9783% | 5,690 |
| Assets per employee ($millions) | 2.2440% | 7,657 |
| Cash dividends to net income (ytd only)* | 41.8731% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 6,246 |
| Loan loss allowance to noncurrent loans | 131.2305% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 5,969 |
| Noncurrent loans to loans | 0.7563% | 5,533 |
| Net loans and leases to total assets | 63.9542% | 4,995 |
| Net loans and leases to deposits | 70.6239% | 5,922 |
| Net loans and leases to core deposits | 79.6547% | 6,411 |
| Total domestic deposits to total assets | 90.5560% | 569 |
| Equity capital to assets | 9.0352% | 5,316 |
| Core capital (leverage) ratio | 8.0682% | 6,351 |
| Tier 1 risk-based capital ratio | 11.4816% | 5,435 |
| Total risk-based capital ratio | 12.4275% | 5,639 |
| Memoranda: | ||
| Average total assets | $703,885,000 | 997 |
| Average earning assets | $662,350,000 | 965 |
| Average equity | $64,183,500 | 1,060 |
| Average total loans | $461,466,000 | 1,089 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3702% | 3,575 |
| Cost of funding earning assets | 1.4598% | 7,668 |
| Net interest margin | 4.9103% | 623 |
| Noninterest income to average assets | 1.3945% | 741 |
| Noninterest expense to average assets | 3.7645% | 1,822 |
| Loan and lease loss provision to assets | 0.2830% | 4,127 |
| Net operating income to assets | 1.2551% | 1,622 |
| Return on assets (ROA) | 1.2551% | 1,561 |
| Pretax return on assets | 1.8005% | 943 |
| Return on Equity (ROE) | 13.0641% | 1,313 |
| Retained earnings to average equity (ytd only) | 6.1598% | 1,463 |
| Net charge-offs to loans | 0.2726% | 3,589 |
| Credit loss provision to net charge-offs | 157.8303% | 3,294 |
| Earnings coverage of net charge-offs (x) | 11.6212% | 2,354 |
| Efficiency ratio | 64.3735% | 5,482 |
| Assets per employee ($millions) | 2.1483% | 7,769 |
| Cash dividends to net income (ytd only)* | 52.8493% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 6,099 |
| Loan loss allowance to noncurrent loans | 137.5075% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.4982% | 5,708 |
| Noncurrent loans to loans | 0.7241% | 5,224 |
| Net loans and leases to total assets | 65.9076% | 4,867 |
| Net loans and leases to deposits | 72.8481% | 5,963 |
| Net loans and leases to core deposits | 85.2233% | 6,189 |
| Total domestic deposits to total assets | 90.4726% | 502 |
| Equity capital to assets | 9.2058% | 5,068 |
| Core capital (leverage) ratio | 8.0628% | 6,388 |
| Tier 1 risk-based capital ratio | 11.3441% | 5,394 |
| Total risk-based capital ratio | 12.2860% | 5,588 |
| Memoranda: | ||
| Average total assets | $637,553,600 | 1,050 |
| Average earning assets | $578,227,800 | 1,068 |
| Average equity | $61,251,800 | 1,099 |
| Average total loans | $419,262,400 | 1,144 |