Home > First County Bank > Performance and Condition Ratios
First County Bank, 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 | 3.8028% | 4,005 |
| Cost of funding earning assets | 0.7171% | 894 |
| Net interest margin | 3.0857% | 4,745 |
| Noninterest income to average assets | 0.7397% | 1,831 |
| Noninterest expense to average assets | 2.2627% | 4,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8689% | 3,181 |
| Return on assets (ROA) | 0.8689% | 3,228 |
| Pretax return on assets | 1.4487% | 1,949 |
| Return on Equity (ROE) | 10.0187% | 2,124 |
| Retained earnings to average equity (ytd only) | 10.0187% | 580 |
| Net charge-offs to loans | 0.0469% | 2,505 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 36.6237% | 1,387 |
| Efficiency ratio | 60.9651% | 4,050 |
| Assets per employee ($millions) | 6.2272% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 4,010 |
| Loan loss allowance to noncurrent loans | 94.2333% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.0251% | 1,648 |
| Noncurrent loans to loans | 1.0690% | 1,807 |
| Net loans and leases to total assets | 86.2861% | 239 |
| Net loans and leases to deposits | 107.3112% | 362 |
| Net loans and leases to core deposits | 111.2129% | 964 |
| Total domestic deposits to total assets | 80.4074% | 4,231 |
| Equity capital to assets | 9.1331% | 4,796 |
| Core capital (leverage) ratio | 8.8910% | 4,875 |
| Tier 1 risk-based capital ratio | 13.4951% | 3,706 |
| Total risk-based capital ratio | 14.7460% | 3,616 |
| Memoranda: | ||
| Average total assets | $492,095,000 | 1,436 |
| Average earning assets | $473,917,250 | 1,385 |
| Average equity | $42,679,000 | 1,759 |
| Average total loans | $415,473,500 | 1,206 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7429% | 4,097 |
| Cost of funding earning assets | 0.7107% | 843 |
| Net interest margin | 3.0321% | 4,838 |
| Noninterest income to average assets | 0.7098% | 1,946 |
| Noninterest expense to average assets | 2.2646% | 4,435 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8243% | 3,274 |
| Return on assets (ROA) | 0.8243% | 3,331 |
| Pretax return on assets | 1.3646% | 2,152 |
| Return on Equity (ROE) | 9.6727% | 2,184 |
| Retained earnings to average equity (ytd only) | 9.6727% | 652 |
| Net charge-offs to loans | -0.0015% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3996% | 3,923 |
| Assets per employee ($millions) | 6.0518% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 3,757 |
| Loan loss allowance to noncurrent loans | 67.5440% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.3660% | 1,162 |
| Noncurrent loans to loans | 1.5774% | 1,182 |
| Net loans and leases to total assets | 82.5931% | 598 |
| Net loans and leases to deposits | 102.2362% | 600 |
| Net loans and leases to core deposits | 106.0096% | 1,233 |
| Total domestic deposits to total assets | 80.7865% | 4,238 |
| Equity capital to assets | 8.7065% | 5,136 |
| Core capital (leverage) ratio | 8.5825% | 5,159 |
| Tier 1 risk-based capital ratio | 13.5374% | 3,683 |
| Total risk-based capital ratio | 14.7892% | 3,594 |
| Memoranda: | ||
| Average total assets | $494,220,670 | 1,432 |
| Average earning assets | $475,838,330 | 1,381 |
| Average equity | $42,118,330 | 1,775 |
| Average total loans | $412,840,670 | 1,213 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6801% | 4,169 |
| Cost of funding earning assets | 0.7077% | 810 |
| Net interest margin | 2.9724% | 4,953 |
| Noninterest income to average assets | 0.6813% | 2,035 |
| Noninterest expense to average assets | 2.2717% | 4,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7664% | 3,395 |
| Return on assets (ROA) | 0.7664% | 3,447 |
| Pretax return on assets | 1.2709% | 2,343 |
| Return on Equity (ROE) | 9.0921% | 2,367 |
| Retained earnings to average equity (ytd only) | 9.0921% | 1,047 |
| Net charge-offs to loans | 0.0340% | 2,098 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 44.7714% | 959 |
| Efficiency ratio | 64.1255% | 3,809 |
| Assets per employee ($millions) | 6.1346% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 3,881 |
| Loan loss allowance to noncurrent loans | 62.5411% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.4512% | 1,131 |
| Noncurrent loans to loans | 1.7121% | 1,120 |
| Net loans and leases to total assets | 81.3631% | 641 |
| Net loans and leases to deposits | 100.7185% | 571 |
| Net loans and leases to core deposits | 104.5808% | 1,191 |
| Total domestic deposits to total assets | 80.7827% | 4,465 |
| Equity capital to assets | 8.4696% | 5,262 |
| Core capital (leverage) ratio | 8.4032% | 5,303 |
| Tier 1 risk-based capital ratio | 13.0748% | 4,038 |
| Total risk-based capital ratio | 14.3266% | 3,936 |
| Memoranda: | ||
| Average total assets | $493,205,500 | 1,439 |
| Average earning assets | $474,774,500 | 1,394 |
| Average equity | $41,574,500 | 1,790 |
| Average total loans | $412,119,500 | 1,215 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8601% | 3,713 |
| Cost of funding earning assets | 0.7419% | 659 |
| Net interest margin | 3.1182% | 4,676 |
| Noninterest income to average assets | 0.8330% | 1,637 |
| Noninterest expense to average assets | 2.3366% | 4,464 |
| Loan and lease loss provision to assets | 0.1623% | 1,524 |
| Net operating income to assets | 0.8252% | 3,183 |
| Return on assets (ROA) | 0.8240% | 3,286 |
| Pretax return on assets | 1.3182% | 2,217 |
| Return on Equity (ROE) | 9.4519% | 2,208 |
| Retained earnings to average equity (ytd only) | 1.8837% | 4,460 |
| Net charge-offs to loans | 0.2241% | 1,239 |
| Credit loss provision to net charge-offs | 86.3991% | 2,865 |
| Earnings coverage of net charge-offs (x) | 7.8907% | 2,956 |
| Efficiency ratio | 61.1824% | 4,384 |
| Assets per employee ($millions) | 6.2757% | 1,277 |
| Cash dividends to net income (ytd only)* | 80.0712% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 3,945 |
| Loan loss allowance to noncurrent loans | 55.9559% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 1.7001% | 907 |
| Noncurrent loans to loans | 1.8969% | 974 |
| Net loans and leases to total assets | 83.9938% | 383 |
| Net loans and leases to deposits | 104.6015% | 412 |
| Net loans and leases to core deposits | 108.8740% | 968 |
| Total domestic deposits to total assets | 80.2989% | 4,509 |
| Equity capital to assets | 8.3887% | 5,353 |
| Core capital (leverage) ratio | 8.2308% | 5,487 |
| Tier 1 risk-based capital ratio | 12.6709% | 4,281 |
| Total risk-based capital ratio | 13.9225% | 4,167 |
| Memoranda: | ||
| Average total assets | $477,453,800 | 1,437 |
| Average earning assets | $457,216,800 | 1,400 |
| Average equity | $41,621,200 | 1,781 |
| Average total loans | $400,208,800 | 1,203 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 3,749 |
| Cost of funding earning assets | 0.7447% | 653 |
| Net interest margin | 3.1112% | 4,746 |
| Noninterest income to average assets | 0.7902% | 1,804 |
| Noninterest expense to average assets | 2.3519% | 4,406 |
| Loan and lease loss provision to assets | 0.1054% | 2,169 |
| Net operating income to assets | 0.8188% | 3,282 |
| Return on assets (ROA) | 0.8172% | 3,425 |
| Pretax return on assets | 1.3065% | 2,402 |
| Return on Equity (ROE) | 9.2844% | 2,365 |
| Retained earnings to average equity (ytd only) | 7.2091% | 1,526 |
| Net charge-offs to loans | 0.2496% | 939 |
| Credit loss provision to net charge-offs | 50.5391% | 3,024 |
| Earnings coverage of net charge-offs (x) | 6.7830% | 2,965 |
| Efficiency ratio | 62.4459% | 4,149 |
| Assets per employee ($millions) | 6.1858% | 1,304 |
| Cash dividends to net income (ytd only)* | 22.3522% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 4,357 |
| Loan loss allowance to noncurrent loans | 73.2806% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.3477% | 1,399 |
| Noncurrent loans to loans | 1.3756% | 1,602 |
| Net loans and leases to total assets | 83.7200% | 433 |
| Net loans and leases to deposits | 105.0812% | 407 |
| Net loans and leases to core deposits | 109.3921% | 960 |
| Total domestic deposits to total assets | 79.6717% | 4,580 |
| Equity capital to assets | 8.7649% | 5,351 |
| Core capital (leverage) ratio | 8.6529% | 5,213 |
| Tier 1 risk-based capital ratio | 13.4299% | 3,901 |
| Total risk-based capital ratio | 14.6811% | 3,811 |
| Memoranda: | ||
| Average total assets | $474,441,000 | 1,445 |
| Average earning assets | $453,836,250 | 1,415 |
| Average equity | $41,760,750 | 1,781 |
| Average total loans | $396,369,750 | 1,208 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8439% | 3,793 |
| Cost of funding earning assets | 0.7438% | 652 |
| Net interest margin | 3.1000% | 4,832 |
| Noninterest income to average assets | 0.7656% | 1,860 |
| Noninterest expense to average assets | 2.3743% | 4,416 |
| Loan and lease loss provision to assets | 0.1384% | 1,637 |
| Net operating income to assets | 0.7635% | 3,488 |
| Return on assets (ROA) | 0.7635% | 3,626 |
| Pretax return on assets | 1.2182% | 2,709 |
| Return on Equity (ROE) | 8.6611% | 2,664 |
| Retained earnings to average equity (ytd only) | 8.6611% | 947 |
| Net charge-offs to loans | 0.3460% | 675 |
| Credit loss provision to net charge-offs | 48.0769% | 2,691 |
| Earnings coverage of net charge-offs (x) | 4.7130% | 2,953 |
| Efficiency ratio | 63.6384% | 4,082 |
| Assets per employee ($millions) | 5.9838% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 4,275 |
| Loan loss allowance to noncurrent loans | 102.5251% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.0345% | 2,060 |
| Noncurrent loans to loans | 1.0156% | 2,257 |
| Net loans and leases to total assets | 81.9981% | 629 |
| Net loans and leases to deposits | 102.7848% | 519 |
| Net loans and leases to core deposits | 106.9463% | 1,108 |
| Total domestic deposits to total assets | 79.7764% | 4,600 |
| Equity capital to assets | 8.7527% | 5,435 |
| Core capital (leverage) ratio | 8.5240% | 5,347 |
| Tier 1 risk-based capital ratio | 13.4808% | 3,922 |
| Total risk-based capital ratio | 14.7323% | 3,828 |
| Memoranda: | ||
| Average total assets | $469,695,000 | 1,461 |
| Average earning assets | $449,287,330 | 1,427 |
| Average equity | $41,403,670 | 1,793 |
| Average total loans | $390,730,330 | 1,223 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7966% | 3,958 |
| Cost of funding earning assets | 0.7387% | 668 |
| Net interest margin | 3.0579% | 4,978 |
| Noninterest income to average assets | 0.7650% | 1,755 |
| Noninterest expense to average assets | 2.4145% | 4,324 |
| Loan and lease loss provision to assets | 0.0433% | 3,053 |
| Net operating income to assets | 0.7685% | 3,403 |
| Return on assets (ROA) | 0.7685% | 3,510 |
| Pretax return on assets | 1.2272% | 2,595 |
| Return on Equity (ROE) | 8.6859% | 2,564 |
| Retained earnings to average equity (ytd only) | 8.6859% | 1,201 |
| Net charge-offs to loans | 0.5544% | 396 |
| Credit loss provision to net charge-offs | 9.3633% | 2,363 |
| Earnings coverage of net charge-offs (x) | 2.7491% | 2,641 |
| Efficiency ratio | 65.5237% | 3,874 |
| Assets per employee ($millions) | 6.0979% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 4,432 |
| Loan loss allowance to noncurrent loans | 115.5866% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.9449% | 2,343 |
| Noncurrent loans to loans | 0.8937% | 2,609 |
| Net loans and leases to total assets | 80.5243% | 744 |
| Net loans and leases to deposits | 100.9346% | 564 |
| Net loans and leases to core deposits | 105.0276% | 1,134 |
| Total domestic deposits to total assets | 79.7786% | 4,797 |
| Equity capital to assets | 8.5904% | 5,502 |
| Core capital (leverage) ratio | 8.6928% | 5,185 |
| Tier 1 risk-based capital ratio | 13.5311% | 3,961 |
| Total risk-based capital ratio | 14.7822% | 3,887 |
| Memoranda: | ||
| Average total assets | $462,199,000 | 1,486 |
| Average earning assets | $441,343,500 | 1,448 |
| Average equity | $40,894,000 | 1,812 |
| Average total loans | $385,287,500 | 1,233 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8687% | 3,816 |
| Cost of funding earning assets | 0.6529% | 1,060 |
| Net interest margin | 3.2157% | 4,574 |
| Noninterest income to average assets | 0.8273% | 1,684 |
| Noninterest expense to average assets | 2.4734% | 4,313 |
| Loan and lease loss provision to assets | 0.3160% | 523 |
| Net operating income to assets | 0.7002% | 3,808 |
| Return on assets (ROA) | 0.7002% | 3,914 |
| Pretax return on assets | 1.1094% | 3,003 |
| Return on Equity (ROE) | 7.5510% | 3,217 |
| Retained earnings to average equity (ytd only) | 3.3229% | 3,688 |
| Net charge-offs to loans | 0.4746% | 572 |
| Credit loss provision to net charge-offs | 79.3743% | 2,965 |
| Earnings coverage of net charge-offs (x) | 3.5805% | 3,708 |
| Efficiency ratio | 63.4406% | 4,377 |
| Assets per employee ($millions) | 5.5333% | 1,759 |
| Cash dividends to net income (ytd only)* | 55.9947% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 3,506 |
| Loan loss allowance to noncurrent loans | 140.6017% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 1.1155% | 1,965 |
| Noncurrent loans to loans | 0.8515% | 2,658 |
| Net loans and leases to total assets | 84.5066% | 345 |
| Net loans and leases to deposits | 99.1261% | 743 |
| Net loans and leases to core deposits | 103.1711% | 1,287 |
| Total domestic deposits to total assets | 85.2516% | 2,970 |
| Equity capital to assets | 9.1277% | 4,991 |
| Core capital (leverage) ratio | 9.0223% | 4,858 |
| Tier 1 risk-based capital ratio | 13.9446% | 3,740 |
| Total risk-based capital ratio | 15.1988% | 3,672 |
| Memoranda: | ||
| Average total assets | $433,578,600 | 1,539 |
| Average earning assets | $414,121,800 | 1,490 |
| Average equity | $40,206,400 | 1,790 |
| Average total loans | $363,712,800 | 1,251 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8576% | 3,904 |
| Cost of funding earning assets | 0.6344% | 1,180 |
| Net interest margin | 3.2232% | 4,597 |
| Noninterest income to average assets | 0.8492% | 1,623 |
| Noninterest expense to average assets | 2.4907% | 4,224 |
| Loan and lease loss provision to assets | 0.2071% | 952 |
| Net operating income to assets | 0.7747% | 3,556 |
| Return on assets (ROA) | 0.7747% | 3,645 |
| Pretax return on assets | 1.2328% | 2,686 |
| Return on Equity (ROE) | 8.3205% | 2,917 |
| Retained earnings to average equity (ytd only) | 5.9964% | 2,250 |
| Net charge-offs to loans | 0.2604% | 1,013 |
| Credit loss provision to net charge-offs | 95.3058% | 2,383 |
| Earnings coverage of net charge-offs (x) | 6.6259% | 3,024 |
| Efficiency ratio | 63.3661% | 4,354 |
| Assets per employee ($millions) | 5.4334% | 1,844 |
| Cash dividends to net income (ytd only)* | 27.9330% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 3,009 |
| Loan loss allowance to noncurrent loans | 104.0051% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.2840% | 1,824 |
| Noncurrent loans to loans | 1.2644% | 2,021 |
| Net loans and leases to total assets | 83.8359% | 396 |
| Net loans and leases to deposits | 98.6892% | 755 |
| Net loans and leases to core deposits | 102.7231% | 1,324 |
| Total domestic deposits to total assets | 84.9494% | 3,035 |
| Equity capital to assets | 9.4235% | 4,852 |
| Core capital (leverage) ratio | 9.0148% | 4,979 |
| Tier 1 risk-based capital ratio | 14.7293% | 3,427 |
| Total risk-based capital ratio | 15.9859% | 3,368 |
| Memoranda: | ||
| Average total assets | $431,307,000 | 1,553 |
| Average earning assets | $412,333,750 | 1,506 |
| Average equity | $40,156,750 | 1,809 |
| Average total loans | $359,987,500 | 1,263 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 4,026 |
| Cost of funding earning assets | 0.6121% | 1,329 |
| Net interest margin | 3.1983% | 4,668 |
| Noninterest income to average assets | 0.8387% | 1,637 |
| Noninterest expense to average assets | 2.5170% | 4,186 |
| Loan and lease loss provision to assets | 0.1488% | 1,437 |
| Net operating income to assets | 0.7732% | 3,522 |
| Return on assets (ROA) | 0.7732% | 3,625 |
| Pretax return on assets | 1.2311% | 2,646 |
| Return on Equity (ROE) | 8.3382% | 2,879 |
| Retained earnings to average equity (ytd only) | 8.3382% | 1,138 |
| Net charge-offs to loans | 0.2617% | 995 |
| Credit loss provision to net charge-offs | 68.5225% | 2,477 |
| Earnings coverage of net charge-offs (x) | 6.3555% | 2,795 |
| Efficiency ratio | 64.5908% | 4,261 |
| Assets per employee ($millions) | 5.5894% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 3,356 |
| Loan loss allowance to noncurrent loans | 73.6107% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 1.5597% | 1,562 |
| Noncurrent loans to loans | 1.7369% | 1,482 |
| Net loans and leases to total assets | 81.8846% | 564 |
| Net loans and leases to deposits | 98.4010% | 761 |
| Net loans and leases to core deposits | 102.4411% | 1,298 |
| Total domestic deposits to total assets | 83.2152% | 3,868 |
| Equity capital to assets | 9.1106% | 5,137 |
| Core capital (leverage) ratio | 8.9950% | 4,979 |
| Tier 1 risk-based capital ratio | 14.5684% | 3,597 |
| Total risk-based capital ratio | 15.8245% | 3,522 |
| Memoranda: | ||
| Average total assets | $430,186,670 | 1,564 |
| Average earning assets | $411,346,670 | 1,513 |
| Average equity | $39,888,670 | 1,825 |
| Average total loans | $356,895,330 | 1,276 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7905% | 4,050 |
| Cost of funding earning assets | 0.5845% | 1,548 |
| Net interest margin | 3.2061% | 4,592 |
| Noninterest income to average assets | 0.8262% | 1,614 |
| Noninterest expense to average assets | 2.5800% | 3,999 |
| Loan and lease loss provision to assets | 0.1423% | 1,438 |
| Net operating income to assets | 0.7361% | 3,615 |
| Return on assets (ROA) | 0.7361% | 3,744 |
| Pretax return on assets | 1.1686% | 2,790 |
| Return on Equity (ROE) | 7.8654% | 3,024 |
| Retained earnings to average equity (ytd only) | 7.8654% | 1,619 |
| Net charge-offs to loans | 0.1578% | 1,318 |
| Credit loss provision to net charge-offs | 108.6957% | 1,526 |
| Earnings coverage of net charge-offs (x) | 10.0145% | 1,963 |
| Efficiency ratio | 66.3091% | 4,096 |
| Assets per employee ($millions) | 5.4070% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 3,084 |
| Loan loss allowance to noncurrent loans | 73.2915% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.6021% | 1,599 |
| Noncurrent loans to loans | 1.8603% | 1,446 |
| Net loans and leases to total assets | 81.9653% | 464 |
| Net loans and leases to deposits | 96.1580% | 820 |
| Net loans and leases to core deposits | 99.8744% | 1,328 |
| Total domestic deposits to total assets | 85.2402% | 3,290 |
| Equity capital to assets | 9.2357% | 5,043 |
| Core capital (leverage) ratio | 9.2333% | 4,670 |
| Tier 1 risk-based capital ratio | 15.0748% | 3,395 |
| Total risk-based capital ratio | 16.3326% | 3,305 |
| Memoranda: | ||
| Average total assets | $421,705,500 | 1,604 |
| Average earning assets | $403,109,500 | 1,547 |
| Average equity | $39,464,000 | 1,857 |
| Average total loans | $349,899,000 | 1,295 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9363% | 3,992 |
| Cost of funding earning assets | 0.5635% | 2,110 |
| Net interest margin | 3.3728% | 4,313 |
| Noninterest income to average assets | 0.8009% | 1,873 |
| Noninterest expense to average assets | 2.5937% | 4,245 |
| Loan and lease loss provision to assets | 0.0497% | 3,568 |
| Net operating income to assets | 0.8431% | 3,157 |
| Return on assets (ROA) | 0.8478% | 3,227 |
| Pretax return on assets | 1.3738% | 1,984 |
| Return on Equity (ROE) | 9.0791% | 2,550 |
| Retained earnings to average equity (ytd only) | 7.8814% | 1,063 |
| Net charge-offs to loans | 0.1202% | 2,835 |
| Credit loss provision to net charge-offs | 49.8753% | 3,483 |
| Earnings coverage of net charge-offs (x) | 14.2070% | 2,187 |
| Efficiency ratio | 64.6851% | 4,462 |
| Assets per employee ($millions) | 4.9500% | 2,384 |
| Cash dividends to net income (ytd only)* | 13.1926% | 4,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4365% | 2,761 |
| Loan loss allowance to noncurrent loans | 101.6002% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.2559% | 2,242 |
| Noncurrent loans to loans | 1.4138% | 2,077 |
| Net loans and leases to total assets | 81.6498% | 561 |
| Net loans and leases to deposits | 95.7273% | 925 |
| Net loans and leases to core deposits | 98.8983% | 1,475 |
| Total domestic deposits to total assets | 85.2942% | 3,166 |
| Equity capital to assets | 9.4871% | 4,738 |
| Core capital (leverage) ratio | 9.2243% | 4,642 |
| Tier 1 risk-based capital ratio | 15.0239% | 3,470 |
| Total risk-based capital ratio | 16.2821% | 3,409 |
| Memoranda: | ||
| Average total assets | $402,321,800 | 1,636 |
| Average earning assets | $382,768,200 | 1,586 |
| Average equity | $37,569,600 | 1,872 |
| Average total loans | $333,733,200 | 1,309 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 3,975 |
| Cost of funding earning assets | 0.5656% | 2,141 |
| Net interest margin | 3.3829% | 4,300 |
| Noninterest income to average assets | 0.7863% | 1,942 |
| Noninterest expense to average assets | 2.5707% | 4,286 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8815% | 3,014 |
| Return on assets (ROA) | 0.8879% | 3,073 |
| Pretax return on assets | 1.4419% | 1,839 |
| Return on Equity (ROE) | 9.5472% | 2,429 |
| Retained earnings to average equity (ytd only) | 8.8307% | 1,052 |
| Net charge-offs to loans | 0.1646% | 2,153 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 10.4830% | 2,539 |
| Efficiency ratio | 64.2251% | 4,503 |
| Assets per employee ($millions) | 4.9388% | 2,315 |
| Cash dividends to net income (ytd only)* | 7.5047% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 3,331 |
| Loan loss allowance to noncurrent loans | 114.3416% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.2411% | 2,477 |
| Noncurrent loans to loans | 1.1933% | 2,665 |
| Net loans and leases to total assets | 81.5504% | 554 |
| Net loans and leases to deposits | 98.2161% | 724 |
| Net loans and leases to core deposits | 100.8823% | 1,301 |
| Total domestic deposits to total assets | 83.0316% | 4,136 |
| Equity capital to assets | 9.3080% | 5,025 |
| Core capital (leverage) ratio | 9.3601% | 4,559 |
| Tier 1 risk-based capital ratio | 14.5934% | 3,819 |
| Total risk-based capital ratio | 15.8501% | 3,756 |
| Memoranda: | ||
| Average total assets | $400,189,500 | 1,659 |
| Average earning assets | $380,496,500 | 1,610 |
| Average equity | $37,217,500 | 1,896 |
| Average total loans | $332,079,500 | 1,319 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9270% | 4,031 |
| Cost of funding earning assets | 0.5779% | 2,092 |
| Net interest margin | 3.3491% | 4,408 |
| Noninterest income to average assets | 0.7614% | 2,001 |
| Noninterest expense to average assets | 2.5722% | 4,342 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8490% | 3,077 |
| Return on assets (ROA) | 0.8490% | 3,181 |
| Pretax return on assets | 1.3767% | 1,979 |
| Return on Equity (ROE) | 9.1316% | 2,533 |
| Retained earnings to average equity (ytd only) | 8.0432% | 1,315 |
| Net charge-offs to loans | -0.0140% | 5,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1377% | 4,502 |
| Assets per employee ($millions) | 5.3531% | 1,827 |
| Cash dividends to net income (ytd only)* | 11.9190% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5254% | 2,775 |
| Loan loss allowance to noncurrent loans | 68.9920% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.9045% | 1,701 |
| Noncurrent loans to loans | 2.2110% | 1,479 |
| Net loans and leases to total assets | 82.2163% | 454 |
| Net loans and leases to deposits | 94.5054% | 923 |
| Net loans and leases to core deposits | 95.4458% | 1,648 |
| Total domestic deposits to total assets | 86.9964% | 2,457 |
| Equity capital to assets | 9.3761% | 4,867 |
| Core capital (leverage) ratio | 9.3365% | 4,542 |
| Tier 1 risk-based capital ratio | 14.6620% | 3,833 |
| Total risk-based capital ratio | 15.9219% | 3,782 |
| Memoranda: | ||
| Average total assets | $395,299,330 | 1,675 |
| Average earning assets | $376,220,000 | 1,619 |
| Average equity | $36,751,670 | 1,913 |
| Average total loans | $328,439,330 | 1,324 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9295% | 3,969 |
| Cost of funding earning assets | 0.5982% | 1,984 |
| Net interest margin | 3.3313% | 4,415 |
| Noninterest income to average assets | 0.7690% | 1,876 |
| Noninterest expense to average assets | 2.5609% | 4,412 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8516% | 2,888 |
| Return on assets (ROA) | 0.8516% | 2,960 |
| Pretax return on assets | 1.3829% | 1,810 |
| Return on Equity (ROE) | 9.1996% | 2,374 |
| Retained earnings to average equity (ytd only) | 6.9961% | 2,047 |
| Net charge-offs to loans | -0.0271% | 5,505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9341% | 4,703 |
| Assets per employee ($millions) | 4.9290% | 2,339 |
| Cash dividends to net income (ytd only)* | 23.9521% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 2,810 |
| Loan loss allowance to noncurrent loans | 115.6038% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.1732% | 2,911 |
| Noncurrent loans to loans | 1.3623% | 2,755 |
| Net loans and leases to total assets | 81.0206% | 459 |
| Net loans and leases to deposits | 90.3601% | 1,105 |
| Net loans and leases to core deposits | 91.2461% | 1,798 |
| Total domestic deposits to total assets | 89.6642% | 1,266 |
| Equity capital to assets | 9.3014% | 4,758 |
| Core capital (leverage) ratio | 9.2068% | 4,713 |
| Tier 1 risk-based capital ratio | 14.6363% | 3,931 |
| Total risk-based capital ratio | 15.8966% | 3,875 |
| Memoranda: | ||
| Average total assets | $392,209,000 | 1,698 |
| Average earning assets | $373,789,000 | 1,634 |
| Average equity | $36,306,000 | 1,923 |
| Average total loans | $325,061,500 | 1,338 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1086% | 3,702 |
| Cost of funding earning assets | 0.6942% | 1,860 |
| Net interest margin | 3.4143% | 4,223 |
| Noninterest income to average assets | 0.9518% | 1,521 |
| Noninterest expense to average assets | 2.5448% | 4,628 |
| Loan and lease loss provision to assets | 0.1020% | 3,099 |
| Net operating income to assets | 0.9574% | 2,530 |
| Return on assets (ROA) | 0.9574% | 2,599 |
| Pretax return on assets | 1.5543% | 1,284 |
| Return on Equity (ROE) | 10.3171% | 1,986 |
| Retained earnings to average equity (ytd only) | 1.2526% | 5,266 |
| Net charge-offs to loans | 0.2732% | 2,334 |
| Credit loss provision to net charge-offs | 46.1894% | 3,912 |
| Earnings coverage of net charge-offs (x) | 7.5035% | 2,833 |
| Efficiency ratio | 60.5752% | 5,402 |
| Assets per employee ($millions) | 5.0662% | 2,110 |
| Cash dividends to net income (ytd only)* | 87.8594% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5636% | 2,908 |
| Loan loss allowance to noncurrent loans | 148.3100% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.9046% | 3,623 |
| Noncurrent loans to loans | 1.0543% | 3,404 |
| Net loans and leases to total assets | 82.1436% | 407 |
| Net loans and leases to deposits | 91.6662% | 1,095 |
| Net loans and leases to core deposits | 92.5737% | 1,719 |
| Total domestic deposits to total assets | 89.6117% | 1,267 |
| Equity capital to assets | 9.2117% | 4,793 |
| Core capital (leverage) ratio | 9.0627% | 4,910 |
| Tier 1 risk-based capital ratio | 14.6690% | 3,853 |
| Total risk-based capital ratio | 15.9299% | 3,793 |
| Memoranda: | ||
| Average total assets | $392,329,800 | 1,684 |
| Average earning assets | $373,367,600 | 1,617 |
| Average equity | $36,405,600 | 1,898 |
| Average total loans | $316,958,000 | 1,336 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1152% | 3,696 |
| Cost of funding earning assets | 0.7090% | 1,892 |
| Net interest margin | 3.4062% | 4,258 |
| Noninterest income to average assets | 0.9930% | 1,475 |
| Noninterest expense to average assets | 2.4960% | 4,736 |
| Loan and lease loss provision to assets | 0.1357% | 2,585 |
| Net operating income to assets | 0.9848% | 2,445 |
| Return on assets (ROA) | 0.9848% | 2,544 |
| Pretax return on assets | 1.6025% | 1,332 |
| Return on Equity (ROE) | 10.5939% | 1,962 |
| Retained earnings to average equity (ytd only) | 1.8326% | 5,222 |
| Net charge-offs to loans | 0.3003% | 2,031 |
| Credit loss provision to net charge-offs | 56.4175% | 3,368 |
| Earnings coverage of net charge-offs (x) | 7.2243% | 2,827 |
| Efficiency ratio | 58.9485% | 5,563 |
| Assets per employee ($millions) | 4.9992% | 2,164 |
| Cash dividends to net income (ytd only)* | 82.7015% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6481% | 2,806 |
| Loan loss allowance to noncurrent loans | 142.0411% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 1.1033% | 3,447 |
| Noncurrent loans to loans | 1.1603% | 3,497 |
| Net loans and leases to total assets | 80.2994% | 514 |
| Net loans and leases to deposits | 89.5490% | 1,214 |
| Net loans and leases to core deposits | 90.4409% | 1,928 |
| Total domestic deposits to total assets | 89.6709% | 1,186 |
| Equity capital to assets | 9.2340% | 4,892 |
| Core capital (leverage) ratio | 9.0322% | 5,078 |
| Tier 1 risk-based capital ratio | 14.5753% | 4,031 |
| Total risk-based capital ratio | 15.8365% | 3,977 |
| Memoranda: | ||
| Average total assets | $392,887,000 | 1,690 |
| Average earning assets | $373,859,250 | 1,624 |
| Average equity | $36,523,250 | 1,910 |
| Average total loans | $314,814,250 | 1,353 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1217% | 3,654 |
| Cost of funding earning assets | 0.7235% | 1,898 |
| Net interest margin | 3.3982% | 4,189 |
| Noninterest income to average assets | 1.0242% | 1,452 |
| Noninterest expense to average assets | 2.4775% | 4,810 |
| Loan and lease loss provision to assets | 0.1523% | 2,418 |
| Net operating income to assets | 0.9968% | 2,338 |
| Return on assets (ROA) | 0.9968% | 2,481 |
| Pretax return on assets | 1.6285% | 1,282 |
| Return on Equity (ROE) | 10.6989% | 1,927 |
| Retained earnings to average equity (ytd only) | 10.6989% | 702 |
| Net charge-offs to loans | 0.4802% | 1,376 |
| Credit loss provision to net charge-offs | 39.8406% | 3,421 |
| Earnings coverage of net charge-offs (x) | 4.6574% | 3,076 |
| Efficiency ratio | 58.1803% | 5,711 |
| Assets per employee ($millions) | 5.0777% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 3,056 |
| Loan loss allowance to noncurrent loans | 284.6068% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 4,704 |
| Noncurrent loans to loans | 0.5722% | 4,829 |
| Net loans and leases to total assets | 77.8257% | 770 |
| Net loans and leases to deposits | 87.2969% | 1,426 |
| Net loans and leases to core deposits | 88.0291% | 2,105 |
| Total domestic deposits to total assets | 89.1506% | 1,541 |
| Equity capital to assets | 9.4186% | 4,690 |
| Core capital (leverage) ratio | 9.2975% | 4,542 |
| Tier 1 risk-based capital ratio | 15.3255% | 3,583 |
| Total risk-based capital ratio | 16.5863% | 3,530 |
| Memoranda: | ||
| Average total assets | $393,870,000 | 1,681 |
| Average earning assets | $374,844,330 | 1,621 |
| Average equity | $36,695,330 | 1,903 |
| Average total loans | $313,630,670 | 1,350 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1749% | 3,404 |
| Cost of funding earning assets | 0.7320% | 1,981 |
| Net interest margin | 3.4429% | 3,947 |
| Noninterest income to average assets | 1.0357% | 1,380 |
| Noninterest expense to average assets | 2.4350% | 4,998 |
| Loan and lease loss provision to assets | 0.1528% | 2,338 |
| Net operating income to assets | 1.0520% | 2,028 |
| Return on assets (ROA) | 1.0520% | 2,137 |
| Pretax return on assets | 1.7241% | 1,021 |
| Return on Equity (ROE) | 11.3543% | 1,602 |
| Retained earnings to average equity (ytd only) | 11.3543% | 808 |
| Net charge-offs to loans | 0.7317% | 835 |
| Credit loss provision to net charge-offs | 26.1324% | 2,948 |
| Earnings coverage of net charge-offs (x) | 3.2108% | 2,817 |
| Efficiency ratio | 56.4714% | 6,015 |
| Assets per employee ($millions) | 5.3012% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6492% | 3,200 |
| Loan loss allowance to noncurrent loans | 279.4230% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5571% | 4,997 |
| Noncurrent loans to loans | 0.5902% | 4,959 |
| Net loans and leases to total assets | 76.9924% | 722 |
| Net loans and leases to deposits | 85.7628% | 1,375 |
| Net loans and leases to core deposits | 86.5602% | 2,053 |
| Total domestic deposits to total assets | 89.7737% | 1,180 |
| Equity capital to assets | 9.2764% | 5,164 |
| Core capital (leverage) ratio | 9.1939% | 4,579 |
| Tier 1 risk-based capital ratio | 15.1195% | 3,758 |
| Total risk-based capital ratio | 16.3809% | 3,703 |
| Memoranda: | ||
| Average total assets | $392,776,500 | 1,699 |
| Average earning assets | $373,759,000 | 1,639 |
| Average equity | $36,391,500 | 1,940 |
| Average total loans | $313,777,500 | 1,358 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6180% | 2,925 |
| Cost of funding earning assets | 0.9568% | 1,602 |
| Net interest margin | 3.6612% | 3,824 |
| Noninterest income to average assets | 0.9087% | 1,836 |
| Noninterest expense to average assets | 2.3715% | 5,488 |
| Loan and lease loss provision to assets | 0.3107% | 2,199 |
| Net operating income to assets | 1.0337% | 2,194 |
| Return on assets (ROA) | 1.0337% | 2,397 |
| Pretax return on assets | 1.7075% | 1,121 |
| Return on Equity (ROE) | 10.8767% | 1,840 |
| Retained earnings to average equity (ytd only) | 1.3405% | 5,205 |
| Net charge-offs to loans | 0.4174% | 2,572 |
| Credit loss provision to net charge-offs | 90.7029% | 3,450 |
| Earnings coverage of net charge-offs (x) | 5.8912% | 2,925 |
| Efficiency ratio | 54.0231% | 6,268 |
| Assets per employee ($millions) | 5.3145% | 1,877 |
| Cash dividends to net income (ytd only)* | 87.6754% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7565% | 2,736 |
| Loan loss allowance to noncurrent loans | 164.7198% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 1.0527% | 3,926 |
| Noncurrent loans to loans | 1.0664% | 4,071 |
| Net loans and leases to total assets | 80.0983% | 464 |
| Net loans and leases to deposits | 89.1316% | 1,151 |
| Net loans and leases to core deposits | 89.9122% | 1,842 |
| Total domestic deposits to total assets | 89.8652% | 1,031 |
| Equity capital to assets | 9.2537% | 5,206 |
| Core capital (leverage) ratio | 9.0631% | 4,802 |
| Tier 1 risk-based capital ratio | 14.7647% | 3,857 |
| Total risk-based capital ratio | 16.0283% | 3,798 |
| Memoranda: | ||
| Average total assets | $386,172,000 | 1,692 |
| Average earning assets | $367,175,800 | 1,628 |
| Average equity | $36,702,400 | 1,894 |
| Average total loans | $316,932,400 | 1,325 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6789% | 2,898 |
| Cost of funding earning assets | 1.0045% | 1,528 |
| Net interest margin | 3.6744% | 3,904 |
| Noninterest income to average assets | 0.8718% | 1,934 |
| Noninterest expense to average assets | 2.3180% | 5,641 |
| Loan and lease loss provision to assets | 0.2420% | 2,633 |
| Net operating income to assets | 1.0930% | 2,119 |
| Return on assets (ROA) | 1.0930% | 2,315 |
| Pretax return on assets | 1.8068% | 1,031 |
| Return on Equity (ROE) | 11.4243% | 1,812 |
| Retained earnings to average equity (ytd only) | 9.6178% | 1,022 |
| Net charge-offs to loans | 0.4970% | 2,124 |
| Credit loss provision to net charge-offs | 59.2217% | 4,159 |
| Earnings coverage of net charge-offs (x) | 5.0144% | 3,137 |
| Efficiency ratio | 53.0832% | 6,344 |
| Assets per employee ($millions) | 5.2135% | 1,920 |
| Cash dividends to net income (ytd only)* | 15.8128% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6255% | 3,429 |
| Loan loss allowance to noncurrent loans | 423.2085% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.4698% | 5,497 |
| Noncurrent loans to loans | 0.3841% | 5,700 |
| Net loans and leases to total assets | 82.6385% | 300 |
| Net loans and leases to deposits | 93.0127% | 873 |
| Net loans and leases to core deposits | 93.7761% | 1,604 |
| Total domestic deposits to total assets | 88.8465% | 1,514 |
| Equity capital to assets | 10.0197% | 4,466 |
| Core capital (leverage) ratio | 9.6152% | 4,098 |
| Tier 1 risk-based capital ratio | 16.0900% | 3,222 |
| Total risk-based capital ratio | 17.3524% | 3,187 |
| Memoranda: | ||
| Average total assets | $385,724,500 | 1,714 |
| Average earning assets | $366,888,250 | 1,648 |
| Average equity | $36,902,750 | 1,902 |
| Average total loans | $317,088,750 | 1,338 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6717% | 3,039 |
| Cost of funding earning assets | 1.0385% | 1,537 |
| Net interest margin | 3.6333% | 4,115 |
| Noninterest income to average assets | 0.8822% | 1,855 |
| Noninterest expense to average assets | 2.2837% | 5,783 |
| Loan and lease loss provision to assets | 0.1549% | 3,584 |
| Net operating income to assets | 1.1475% | 1,886 |
| Return on assets (ROA) | 1.1475% | 2,100 |
| Pretax return on assets | 1.8986% | 848 |
| Return on Equity (ROE) | 12.1834% | 1,609 |
| Retained earnings to average equity (ytd only) | 12.1834% | 553 |
| Net charge-offs to loans | 0.2903% | 2,869 |
| Credit loss provision to net charge-offs | 65.3595% | 3,681 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,261 |
| Efficiency ratio | 52.6541% | 6,447 |
| Assets per employee ($millions) | 5.5654% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7622% | 2,975 |
| Loan loss allowance to noncurrent loans | 379.3814% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 5,291 |
| Noncurrent loans to loans | 0.4645% | 5,606 |
| Net loans and leases to total assets | 78.9864% | 618 |
| Net loans and leases to deposits | 88.7677% | 1,282 |
| Net loans and leases to core deposits | 89.6783% | 2,017 |
| Total domestic deposits to total assets | 88.9810% | 1,513 |
| Equity capital to assets | 9.6596% | 4,810 |
| Core capital (leverage) ratio | 9.5354% | 4,098 |
| Tier 1 risk-based capital ratio | 15.7672% | 3,292 |
| Total risk-based capital ratio | 17.0312% | 3,259 |
| Memoranda: | ||
| Average total assets | $387,436,330 | 1,708 |
| Average earning assets | $368,430,000 | 1,641 |
| Average equity | $36,492,330 | 1,910 |
| Average total loans | $316,215,000 | 1,341 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7658% | 2,782 |
| Cost of funding earning assets | 1.1087% | 1,354 |
| Net interest margin | 3.6571% | 4,025 |
| Noninterest income to average assets | 0.9100% | 1,704 |
| Noninterest expense to average assets | 2.2890% | 5,795 |
| Loan and lease loss provision to assets | 0.3106% | 2,027 |
| Net operating income to assets | 1.0777% | 2,179 |
| Return on assets (ROA) | 1.0777% | 2,362 |
| Pretax return on assets | 1.7869% | 1,104 |
| Return on Equity (ROE) | 11.5916% | 1,810 |
| Retained earnings to average equity (ytd only) | 11.5916% | 907 |
| Net charge-offs to loans | 0.5351% | 1,748 |
| Credit loss provision to net charge-offs | 70.5882% | 2,898 |
| Earnings coverage of net charge-offs (x) | 4.7671% | 2,505 |
| Efficiency ratio | 52.1831% | 6,529 |
| Assets per employee ($millions) | 5.5828% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7418% | 3,188 |
| Loan loss allowance to noncurrent loans | 216.5302% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.9839% | 4,538 |
| Noncurrent loans to loans | 0.8044% | 5,068 |
| Net loans and leases to total assets | 81.3346% | 314 |
| Net loans and leases to deposits | 91.2254% | 857 |
| Net loans and leases to core deposits | 92.2979% | 1,625 |
| Total domestic deposits to total assets | 89.1579% | 1,592 |
| Equity capital to assets | 9.4618% | 4,866 |
| Core capital (leverage) ratio | 9.1773% | 4,557 |
| Tier 1 risk-based capital ratio | 15.0651% | 3,715 |
| Total risk-based capital ratio | 16.3289% | 3,663 |
| Memoranda: | ||
| Average total assets | $386,364,000 | 1,718 |
| Average earning assets | $367,282,000 | 1,647 |
| Average equity | $35,922,500 | 1,934 |
| Average total loans | $317,704,500 | 1,335 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8704% | 3,495 |
| Cost of funding earning assets | 1.3381% | 1,304 |
| Net interest margin | 3.5323% | 5,012 |
| Noninterest income to average assets | 0.8584% | 1,809 |
| Noninterest expense to average assets | 2.2247% | 6,217 |
| Loan and lease loss provision to assets | 1.1728% | 758 |
| Net operating income to assets | 0.5074% | 4,392 |
| Return on assets (ROA) | 0.5074% | 4,602 |
| Pretax return on assets | 0.8207% | 3,909 |
| Return on Equity (ROE) | 5.6068% | 4,079 |
| Retained earnings to average equity (ytd only) | 1.3806% | 5,200 |
| Net charge-offs to loans | 0.4993% | 2,995 |
| Credit loss provision to net charge-offs | 288.2206% | 822 |
| Earnings coverage of net charge-offs (x) | 4.8991% | 2,948 |
| Efficiency ratio | 52.7410% | 6,640 |
| Assets per employee ($millions) | 5.6988% | 1,441 |
| Cash dividends to net income (ytd only)* | 75.3769% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7941% | 2,887 |
| Loan loss allowance to noncurrent loans | 173.1930% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 1.0720% | 4,473 |
| Noncurrent loans to loans | 1.0359% | 4,633 |
| Net loans and leases to total assets | 80.2200% | 471 |
| Net loans and leases to deposits | 89.5682% | 1,204 |
| Net loans and leases to core deposits | 91.0104% | 1,985 |
| Total domestic deposits to total assets | 89.5630% | 1,227 |
| Equity capital to assets | 9.1343% | 5,370 |
| Core capital (leverage) ratio | 8.8053% | 5,090 |
| Tier 1 risk-based capital ratio | 14.9051% | 3,696 |
| Total risk-based capital ratio | 16.1700% | 3,656 |
| Memoranda: | ||
| Average total assets | $392,226,600 | 1,651 |
| Average earning assets | $373,068,400 | 1,594 |
| Average equity | $35,492,800 | 1,906 |
| Average total loans | $319,654,000 | 1,328 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8669% | 3,698 |
| Cost of funding earning assets | 1.3742% | 1,346 |
| Net interest margin | 3.4927% | 5,221 |
| Noninterest income to average assets | 0.8300% | 1,927 |
| Noninterest expense to average assets | 2.2165% | 6,236 |
| Loan and lease loss provision to assets | 0.8219% | 1,132 |
| Net operating income to assets | 0.6816% | 3,706 |
| Return on assets (ROA) | 0.6816% | 3,878 |
| Pretax return on assets | 1.1140% | 2,954 |
| Return on Equity (ROE) | 7.5493% | 3,249 |
| Retained earnings to average equity (ytd only) | 4.7338% | 3,355 |
| Net charge-offs to loans | 0.2938% | 3,621 |
| Credit loss provision to net charge-offs | 343.4844% | 823 |
| Earnings coverage of net charge-offs (x) | 8.0907% | 2,239 |
| Efficiency ratio | 53.3790% | 6,557 |
| Assets per employee ($millions) | 5.6578% | 1,455 |
| Cash dividends to net income (ytd only)* | 37.2950% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 4,637 |
| Loan loss allowance to noncurrent loans | 109.3035% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 1.2162% | 4,362 |
| Noncurrent loans to loans | 1.2628% | 4,423 |
| Net loans and leases to total assets | 80.4218% | 478 |
| Net loans and leases to deposits | 90.2860% | 1,177 |
| Net loans and leases to core deposits | 91.6928% | 2,037 |
| Total domestic deposits to total assets | 89.0745% | 1,387 |
| Equity capital to assets | 9.2764% | 5,413 |
| Core capital (leverage) ratio | 9.0218% | 4,890 |
| Tier 1 risk-based capital ratio | 14.8585% | 3,750 |
| Total risk-based capital ratio | 16.1158% | 3,714 |
| Memoranda: | ||
| Average total assets | $393,404,000 | 1,662 |
| Average earning assets | $374,218,000 | 1,599 |
| Average equity | $35,516,750 | 1,902 |
| Average total loans | $320,431,250 | 1,338 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8589% | 3,822 |
| Cost of funding earning assets | 1.4081% | 1,383 |
| Net interest margin | 3.4508% | 5,366 |
| Noninterest income to average assets | 0.8164% | 1,943 |
| Noninterest expense to average assets | 2.2094% | 6,359 |
| Loan and lease loss provision to assets | 0.6972% | 1,360 |
| Net operating income to assets | 0.7272% | 3,404 |
| Return on assets (ROA) | 0.7272% | 3,524 |
| Pretax return on assets | 1.1906% | 2,518 |
| Return on Equity (ROE) | 8.1283% | 2,890 |
| Retained earnings to average equity (ytd only) | 3.8771% | 3,731 |
| Net charge-offs to loans | 0.3562% | 3,132 |
| Credit loss provision to net charge-offs | 240.3846% | 1,257 |
| Earnings coverage of net charge-offs (x) | 6.5087% | 2,387 |
| Efficiency ratio | 53.9233% | 6,627 |
| Assets per employee ($millions) | 5.2447% | 1,823 |
| Cash dividends to net income (ytd only)* | 52.3013% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 5,973 |
| Loan loss allowance to noncurrent loans | 107.7114% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 1.0982% | 4,693 |
| Noncurrent loans to loans | 1.0177% | 4,958 |
| Net loans and leases to total assets | 80.8583% | 462 |
| Net loans and leases to deposits | 90.4533% | 1,222 |
| Net loans and leases to core deposits | 92.2283% | 2,101 |
| Total domestic deposits to total assets | 89.3923% | 1,308 |
| Equity capital to assets | 9.1606% | 5,338 |
| Core capital (leverage) ratio | 8.7630% | 5,106 |
| Tier 1 risk-based capital ratio | 14.6813% | 3,682 |
| Total risk-based capital ratio | 15.9364% | 3,646 |
| Memoranda: | ||
| Average total assets | $394,409,330 | 1,665 |
| Average earning assets | $374,983,670 | 1,604 |
| Average equity | $35,284,330 | 1,901 |
| Average total loans | $321,124,670 | 1,343 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 3,929 |
| Cost of funding earning assets | 1.4427% | 1,424 |
| Net interest margin | 3.3830% | 5,495 |
| Noninterest income to average assets | 1.0102% | 1,297 |
| Noninterest expense to average assets | 2.1300% | 6,566 |
| Loan and lease loss provision to assets | 0.1258% | 4,425 |
| Net operating income to assets | 1.1872% | 1,556 |
| Return on assets (ROA) | 1.1872% | 1,605 |
| Pretax return on assets | 1.9700% | 587 |
| Return on Equity (ROE) | 13.4282% | 1,106 |
| Retained earnings to average equity (ytd only) | 13.4282% | 528 |
| Net charge-offs to loans | 0.3232% | 2,768 |
| Credit loss provision to net charge-offs | 47.8927% | 3,801 |
| Earnings coverage of net charge-offs (x) | 7.9808% | 1,874 |
| Efficiency ratio | 50.4048% | 6,957 |
| Assets per employee ($millions) | 5.1805% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8080% | 6,899 |
| Loan loss allowance to noncurrent loans | 73.4452% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.0875% | 4,747 |
| Noncurrent loans to loans | 1.1001% | 4,859 |
| Net loans and leases to total assets | 78.1407% | 713 |
| Net loans and leases to deposits | 87.4081% | 1,532 |
| Net loans and leases to core deposits | 89.3405% | 2,436 |
| Total domestic deposits to total assets | 89.3975% | 1,534 |
| Equity capital to assets | 8.9605% | 5,265 |
| Core capital (leverage) ratio | 8.7985% | 4,934 |
| Tier 1 risk-based capital ratio | 15.0242% | 3,412 |
| Total risk-based capital ratio | 16.1137% | 3,459 |
| Memoranda: | ||
| Average total assets | $397,561,000 | 1,667 |
| Average earning assets | $377,892,500 | 1,603 |
| Average equity | $35,150,000 | 1,891 |
| Average total loans | $323,040,000 | 1,352 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3022% | 3,121 |
| Cost of funding earning assets | 1.8072% | 1,140 |
| Net interest margin | 3.4950% | 5,263 |
| Noninterest income to average assets | 0.9131% | 1,802 |
| Noninterest expense to average assets | 2.2155% | 6,578 |
| Loan and lease loss provision to assets | 0.1157% | 6,002 |
| Net operating income to assets | 1.1821% | 1,455 |
| Return on assets (ROA) | 1.1821% | 1,532 |
| Pretax return on assets | 1.9088% | 596 |
| Return on Equity (ROE) | 13.5443% | 975 |
| Retained earnings to average equity (ytd only) | 7.6516% | 1,101 |
| Net charge-offs to loans | 0.0678% | 6,121 |
| Credit loss provision to net charge-offs | 203.6199% | 1,528 |
| Earnings coverage of net charge-offs (x) | 35.6244% | 641 |
| Efficiency ratio | 52.2530% | 6,973 |
| Assets per employee ($millions) | 5.2830% | 1,769 |
| Cash dividends to net income (ytd only)* | 43.5066% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8061% | 6,955 |
| Loan loss allowance to noncurrent loans | 90.0673% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.9073% | 5,208 |
| Noncurrent loans to loans | 0.8950% | 5,269 |
| Net loans and leases to total assets | 83.0753% | 376 |
| Net loans and leases to deposits | 92.7599% | 1,166 |
| Net loans and leases to core deposits | 94.5244% | 2,196 |
| Total domestic deposits to total assets | 89.5595% | 1,352 |
| Equity capital to assets | 8.7215% | 5,550 |
| Core capital (leverage) ratio | 8.3045% | 5,679 |
| Tier 1 risk-based capital ratio | 14.4885% | 3,550 |
| Total risk-based capital ratio | 15.6339% | 3,578 |
| Memoranda: | ||
| Average total assets | $388,892,400 | 1,694 |
| Average earning assets | $370,187,400 | 1,629 |
| Average equity | $33,940,600 | 1,947 |
| Average total loans | $325,959,200 | 1,371 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3200% | 3,255 |
| Cost of funding earning assets | 1.8529% | 1,203 |
| Net interest margin | 3.4670% | 5,424 |
| Noninterest income to average assets | 0.8171% | 2,144 |
| Noninterest expense to average assets | 2.0754% | 6,898 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2666% | 1,421 |
| Return on assets (ROA) | 1.2666% | 1,502 |
| Pretax return on assets | 2.0468% | 563 |
| Return on Equity (ROE) | 14.5104% | 938 |
| Retained earnings to average equity (ytd only) | 11.3534% | 547 |
| Net charge-offs to loans | 0.0263% | 6,300 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 92.8451% | 335 |
| Efficiency ratio | 50.3468% | 7,127 |
| Assets per employee ($millions) | 5.1999% | 1,935 |
| Cash dividends to net income (ytd only)* | 21.7569% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7181% | 7,168 |
| Loan loss allowance to noncurrent loans | 119.6384% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.6346% | 5,861 |
| Noncurrent loans to loans | 0.6002% | 6,008 |
| Net loans and leases to total assets | 82.2560% | 467 |
| Net loans and leases to deposits | 95.7164% | 1,018 |
| Net loans and leases to core deposits | 97.6343% | 2,082 |
| Total domestic deposits to total assets | 85.9372% | 3,113 |
| Equity capital to assets | 8.7745% | 5,894 |
| Core capital (leverage) ratio | 8.5722% | 5,384 |
| Tier 1 risk-based capital ratio | 14.7651% | 3,360 |
| Total risk-based capital ratio | 15.7960% | 3,454 |
| Memoranda: | ||
| Average total assets | $387,059,000 | 1,723 |
| Average earning assets | $368,991,000 | 1,658 |
| Average equity | $33,786,500 | 1,979 |
| Average total loans | $324,488,750 | 1,396 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3562% | 3,185 |
| Cost of funding earning assets | 1.8972% | 1,249 |
| Net interest margin | 3.4590% | 5,404 |
| Noninterest income to average assets | 0.7396% | 2,459 |
| Noninterest expense to average assets | 2.0642% | 6,988 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2211% | 1,505 |
| Return on assets (ROA) | 1.2211% | 1,564 |
| Pretax return on assets | 1.9691% | 642 |
| Return on Equity (ROE) | 14.0140% | 1,037 |
| Retained earnings to average equity (ytd only) | 12.2143% | 458 |
| Net charge-offs to loans | 0.0149% | 6,133 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 156.9583% | 223 |
| Efficiency ratio | 51.1794% | 7,135 |
| Assets per employee ($millions) | 5.3122% | 1,799 |
| Cash dividends to net income (ytd only)* | 12.8425% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7405% | 7,170 |
| Loan loss allowance to noncurrent loans | 232.6609% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 6,442 |
| Noncurrent loans to loans | 0.3183% | 6,588 |
| Net loans and leases to total assets | 82.5843% | 479 |
| Net loans and leases to deposits | 96.0730% | 1,042 |
| Net loans and leases to core deposits | 97.9963% | 2,231 |
| Total domestic deposits to total assets | 85.9600% | 3,115 |
| Equity capital to assets | 8.7396% | 5,825 |
| Core capital (leverage) ratio | 8.5635% | 5,308 |
| Tier 1 risk-based capital ratio | 14.1163% | 3,656 |
| Total risk-based capital ratio | 15.1438% | 3,767 |
| Memoranda: | ||
| Average total assets | $382,615,670 | 1,756 |
| Average earning assets | $364,328,000 | 1,688 |
| Average equity | $33,338,000 | 2,000 |
| Average total loans | $322,076,330 | 1,422 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3442% | 3,320 |
| Cost of funding earning assets | 1.9331% | 1,314 |
| Net interest margin | 3.4111% | 5,536 |
| Noninterest income to average assets | 0.6922% | 2,654 |
| Noninterest expense to average assets | 2.0669% | 7,020 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1628% | 1,642 |
| Return on assets (ROA) | 1.1628% | 1,720 |
| Pretax return on assets | 1.8740% | 768 |
| Return on Equity (ROE) | 13.3662% | 1,178 |
| Retained earnings to average equity (ytd only) | 13.3662% | 576 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4476% | 7,108 |
| Assets per employee ($millions) | 4.9969% | 2,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7632% | 7,214 |
| Loan loss allowance to noncurrent loans | 154.4192% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.5133% | 6,211 |
| Noncurrent loans to loans | 0.4942% | 6,309 |
| Net loans and leases to total assets | 82.6602% | 516 |
| Net loans and leases to deposits | 97.1382% | 984 |
| Net loans and leases to core deposits | 99.2142% | 2,210 |
| Total domestic deposits to total assets | 85.0955% | 3,618 |
| Equity capital to assets | 8.6731% | 5,768 |
| Core capital (leverage) ratio | 8.6094% | 5,190 |
| Tier 1 risk-based capital ratio | 13.8524% | 3,763 |
| Total risk-based capital ratio | 14.9003% | 3,853 |
| Memoranda: | ||
| Average total assets | $377,370,500 | 1,819 |
| Average earning assets | $359,414,500 | 1,745 |
| Average equity | $32,829,000 | 2,050 |
| Average total loans | $319,581,500 | 1,480 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6849% | 3,182 |
| Cost of funding earning assets | 2.5241% | 965 |
| Net interest margin | 3.1609% | 6,202 |
| Noninterest income to average assets | 0.7471% | 2,698 |
| Noninterest expense to average assets | 2.0401% | 7,299 |
| Loan and lease loss provision to assets | 0.0315% | 7,215 |
| Net operating income to assets | 1.0618% | 1,621 |
| Return on assets (ROA) | 1.0633% | 1,663 |
| Pretax return on assets | 1.6943% | 791 |
| Return on Equity (ROE) | 12.9442% | 973 |
| Retained earnings to average equity (ytd only) | 6.5615% | 1,134 |
| Net charge-offs to loans | 0.0315% | 6,810 |
| Credit loss provision to net charge-offs | 116.5049% | 4,657 |
| Earnings coverage of net charge-offs (x) | 63.8252% | 427 |
| Efficiency ratio | 54.2073% | 7,211 |
| Assets per employee ($millions) | 4.7433% | 2,552 |
| Cash dividends to net income (ytd only)* | 49.3097% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7676% | 7,211 |
| Loan loss allowance to noncurrent loans | 159.0377% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 6,420 |
| Noncurrent loans to loans | 0.4826% | 6,293 |
| Net loans and leases to total assets | 85.4713% | 307 |
| Net loans and leases to deposits | 100.1130% | 893 |
| Net loans and leases to core deposits | 116.6047% | 2,257 |
| Total domestic deposits to total assets | 85.3748% | 3,374 |
| Equity capital to assets | 8.7267% | 5,553 |
| Core capital (leverage) ratio | 8.3754% | 5,488 |
| Tier 1 risk-based capital ratio | 13.8617% | 3,594 |
| Total risk-based capital ratio | 14.9431% | 3,629 |
| Memoranda: | ||
| Average total assets | $381,453,600 | 1,793 |
| Average earning assets | $364,014,800 | 1,728 |
| Average equity | $31,334,400 | 2,136 |
| Average total loans | $327,083,800 | 1,471 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6762% | 3,449 |
| Cost of funding earning assets | 2.6704% | 864 |
| Net interest margin | 3.0058% | 6,595 |
| Noninterest income to average assets | 0.7507% | 2,704 |
| Noninterest expense to average assets | 2.0579% | 7,274 |
| Loan and lease loss provision to assets | 0.0416% | 6,951 |
| Net operating income to assets | 0.9600% | 2,197 |
| Return on assets (ROA) | 0.9620% | 2,248 |
| Pretax return on assets | 1.5265% | 1,340 |
| Return on Equity (ROE) | 11.8897% | 1,384 |
| Retained earnings to average equity (ytd only) | 7.6020% | 1,263 |
| Net charge-offs to loans | 0.0166% | 6,680 |
| Credit loss provision to net charge-offs | 292.6829% | 1,419 |
| Earnings coverage of net charge-offs (x) | 110.0150% | 331 |
| Efficiency ratio | 56.8036% | 6,896 |
| Assets per employee ($millions) | 4.8543% | 2,325 |
| Cash dividends to net income (ytd only)* | 36.0620% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7710% | 7,205 |
| Loan loss allowance to noncurrent loans | 262.6178% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2616% | 6,852 |
| Noncurrent loans to loans | 0.2936% | 6,776 |
| Net loans and leases to total assets | 87.4903% | 234 |
| Net loans and leases to deposits | 105.9996% | 651 |
| Net loans and leases to core deposits | 123.2575% | 1,972 |
| Total domestic deposits to total assets | 82.5384% | 4,427 |
| Equity capital to assets | 8.6950% | 5,960 |
| Core capital (leverage) ratio | 8.2454% | 5,926 |
| Tier 1 risk-based capital ratio | 13.5121% | 3,842 |
| Total risk-based capital ratio | 14.6029% | 3,902 |
| Memoranda: | ||
| Average total assets | $384,322,500 | 1,791 |
| Average earning assets | $367,230,500 | 1,728 |
| Average equity | $31,096,250 | 2,181 |
| Average total loans | $329,187,000 | 1,480 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6468% | 3,832 |
| Cost of funding earning assets | 2.7981% | 794 |
| Net interest margin | 2.8486% | 6,919 |
| Noninterest income to average assets | 0.7724% | 2,572 |
| Noninterest expense to average assets | 2.0511% | 7,375 |
| Loan and lease loss provision to assets | 0.0385% | 6,854 |
| Net operating income to assets | 0.8901% | 2,492 |
| Return on assets (ROA) | 0.8930% | 2,591 |
| Pretax return on assets | 1.4117% | 1,690 |
| Return on Equity (ROE) | 11.3036% | 1,611 |
| Retained earnings to average equity (ytd only) | 4.8035% | 2,638 |
| Net charge-offs to loans | 0.0139% | 6,352 |
| Credit loss provision to net charge-offs | 326.0870% | 1,432 |
| Earnings coverage of net charge-offs (x) | 122.3913% | 316 |
| Efficiency ratio | 58.6577% | 6,741 |
| Assets per employee ($millions) | 4.7530% | 2,395 |
| Cash dividends to net income (ytd only)* | 57.5043% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7573% | 7,283 |
| Loan loss allowance to noncurrent loans | 421.9388% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 7,025 |
| Noncurrent loans to loans | 0.1795% | 7,070 |
| Net loans and leases to total assets | 84.4497% | 574 |
| Net loans and leases to deposits | 98.1444% | 1,500 |
| Net loans and leases to core deposits | 117.6912% | 2,569 |
| Total domestic deposits to total assets | 86.0464% | 2,769 |
| Equity capital to assets | 8.0460% | 6,697 |
| Core capital (leverage) ratio | 7.6564% | 6,816 |
| Tier 1 risk-based capital ratio | 12.8655% | 4,234 |
| Total risk-based capital ratio | 13.9285% | 4,291 |
| Memoranda: | ||
| Average total assets | $389,455,670 | 1,798 |
| Average earning assets | $372,460,670 | 1,730 |
| Average equity | $30,769,000 | 2,209 |
| Average total loans | $330,489,330 | 1,510 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6318% | 4,164 |
| Cost of funding earning assets | 2.9138% | 744 |
| Net interest margin | 2.7181% | 7,161 |
| Noninterest income to average assets | 0.7261% | 2,727 |
| Noninterest expense to average assets | 1.8923% | 7,562 |
| Loan and lease loss provision to assets | 0.0306% | 6,547 |
| Net operating income to assets | 0.8846% | 2,765 |
| Return on assets (ROA) | 0.8905% | 2,886 |
| Pretax return on assets | 1.4083% | 1,943 |
| Return on Equity (ROE) | 11.3745% | 1,852 |
| Retained earnings to average equity (ytd only) | 11.3745% | 910 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9628% | 6,838 |
| Assets per employee ($millions) | 5.0986% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7494% | 7,310 |
| Loan loss allowance to noncurrent loans | 394.0705% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 7,020 |
| Noncurrent loans to loans | 0.1902% | 6,988 |
| Net loans and leases to total assets | 81.8863% | 1,036 |
| Net loans and leases to deposits | 95.1656% | 2,084 |
| Net loans and leases to core deposits | 114.5343% | 2,951 |
| Total domestic deposits to total assets | 86.0461% | 2,690 |
| Equity capital to assets | 7.8197% | 7,036 |
| Core capital (leverage) ratio | 7.7451% | 6,826 |
| Tier 1 risk-based capital ratio | 12.6965% | 4,393 |
| Total risk-based capital ratio | 13.7319% | 4,480 |
| Memoranda: | ||
| Average total assets | $391,685,000 | 1,797 |
| Average earning assets | $374,088,000 | 1,734 |
| Average equity | $30,665,000 | 2,212 |
| Average total loans | $331,929,000 | 1,514 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0911% | 5,096 |
| Cost of funding earning assets | 3.2993% | 933 |
| Net interest margin | 2.7918% | 7,344 |
| Noninterest income to average assets | 0.6043% | 3,813 |
| Noninterest expense to average assets | 1.9926% | 7,452 |
| Loan and lease loss provision to assets | 0.0927% | 6,209 |
| Net operating income to assets | 0.7503% | 3,668 |
| Return on assets (ROA) | 0.7503% | 3,506 |
| Pretax return on assets | 1.1689% | 2,771 |
| Return on Equity (ROE) | 9.6782% | 2,369 |
| Retained earnings to average equity (ytd only) | 5.5773% | 1,725 |
| Net charge-offs to loans | 0.0526% | 6,035 |
| Credit loss provision to net charge-offs | 204.6784% | 2,375 |
| Earnings coverage of net charge-offs (x) | 27.8480% | 1,229 |
| Efficiency ratio | 61.2310% | 6,120 |
| Assets per employee ($millions) | 4.0175% | 3,478 |
| Cash dividends to net income (ytd only)* | 42.3729% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7235% | 7,363 |
| Loan loss allowance to noncurrent loans | 490.7071% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 6,723 |
| Noncurrent loans to loans | 0.1474% | 6,970 |
| Net loans and leases to total assets | 86.4230% | 547 |
| Net loans and leases to deposits | 99.5270% | 1,899 |
| Net loans and leases to core deposits | 120.1190% | 2,675 |
| Total domestic deposits to total assets | 86.8337% | 2,013 |
| Equity capital to assets | 7.8386% | 7,055 |
| Core capital (leverage) ratio | 7.5094% | 7,198 |
| Tier 1 risk-based capital ratio | 12.0487% | 4,785 |
| Total risk-based capital ratio | 13.0484% | 4,897 |
| Memoranda: | ||
| Average total assets | $377,445,000 | 1,791 |
| Average earning assets | $358,259,200 | 1,734 |
| Average equity | $29,261,600 | 2,309 |
| Average total loans | $324,957,000 | 1,497 |