Home > First National Bank and Trust > Performance and Condition Ratios
First National Bank and Trust, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 3,609 |
| Cost of funding earning assets | 0.4563% | 4,248 |
| Net interest margin | 3.8176% | 2,447 |
| Noninterest income to average assets | 0.6350% | 2,072 |
| Noninterest expense to average assets | 3.2334% | 1,437 |
| Loan and lease loss provision to assets | 0.3848% | 380 |
| Net operating income to assets | 0.4141% | 4,572 |
| Return on assets (ROA) | 0.4093% | 4,612 |
| Pretax return on assets | 0.4867% | 4,600 |
| Return on Equity (ROE) | 3.6189% | 4,548 |
| Retained earnings to average equity (ytd only) | 3.6189% | 3,188 |
| Net charge-offs to loans | 0.6360% | 283 |
| Credit loss provision to net charge-offs | 103.5578% | 2,392 |
| Earnings coverage of net charge-offs (x) | 2.3609% | 3,423 |
| Efficiency ratio | 78.6608% | 1,071 |
| Assets per employee ($millions) | 3.8778% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 4,264 |
| Loan loss allowance to noncurrent loans | 75.7379% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.6176% | 2,041 |
| Noncurrent loans to loans | 1.0742% | 1,408 |
| Net loans and leases to total assets | 57.0232% | 3,847 |
| Net loans and leases to deposits | 70.3823% | 3,639 |
| Net loans and leases to core deposits | 72.2709% | 3,841 |
| Total domestic deposits to total assets | 81.0192% | 3,766 |
| Equity capital to assets | 11.1475% | 2,860 |
| Core capital (leverage) ratio | 10.9853% | 2,516 |
| Tier 1 risk-based capital ratio | 16.4788% | 2,220 |
| Total risk-based capital ratio | 17.2453% | 2,353 |
| Memoranda: | ||
| Average total assets | $211,818,400 | 2,739 |
| Average earning assets | $192,843,000 | 2,775 |
| Average equity | $23,957,400 | 2,799 |
| Average total loans | $123,744,200 | 2,896 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3191% | 3,596 |
| Cost of funding earning assets | 0.4427% | 4,356 |
| Net interest margin | 3.8764% | 2,339 |
| Noninterest income to average assets | 0.7001% | 1,786 |
| Noninterest expense to average assets | 3.2178% | 1,428 |
| Loan and lease loss provision to assets | 0.4731% | 259 |
| Net operating income to assets | 0.4620% | 4,601 |
| Return on assets (ROA) | 0.4552% | 4,649 |
| Pretax return on assets | 0.5172% | 4,677 |
| Return on Equity (ROE) | 4.0091% | 4,590 |
| Retained earnings to average equity (ytd only) | 4.0091% | 3,393 |
| Net charge-offs to loans | 0.7900% | 204 |
| Credit loss provision to net charge-offs | 102.0690% | 2,214 |
| Earnings coverage of net charge-offs (x) | 2.1531% | 3,216 |
| Efficiency ratio | 76.3270% | 1,293 |
| Assets per employee ($millions) | 3.6481% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8206% | 4,348 |
| Loan loss allowance to noncurrent loans | 60.5831% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 0.8318% | 1,656 |
| Noncurrent loans to loans | 1.3546% | 1,135 |
| Net loans and leases to total assets | 59.3464% | 3,736 |
| Net loans and leases to deposits | 71.7573% | 3,629 |
| Net loans and leases to core deposits | 74.3345% | 3,807 |
| Total domestic deposits to total assets | 82.7043% | 3,249 |
| Equity capital to assets | 11.6901% | 2,517 |
| Core capital (leverage) ratio | 11.1448% | 2,520 |
| Tier 1 risk-based capital ratio | 16.7504% | 2,167 |
| Total risk-based capital ratio | 17.5447% | 2,264 |
| Memoranda: | ||
| Average total assets | $208,545,000 | 2,790 |
| Average earning assets | $189,137,500 | 2,824 |
| Average equity | $23,678,750 | 2,833 |
| Average total loans | $122,354,250 | 2,948 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2476% | 3,802 |
| Cost of funding earning assets | 0.4073% | 4,480 |
| Net interest margin | 3.8402% | 2,436 |
| Noninterest income to average assets | 0.5493% | 2,388 |
| Noninterest expense to average assets | 3.2458% | 1,414 |
| Loan and lease loss provision to assets | 0.1060% | 1,765 |
| Net operating income to assets | 0.5795% | 4,359 |
| Return on assets (ROA) | 0.5696% | 4,423 |
| Pretax return on assets | 0.6659% | 4,411 |
| Return on Equity (ROE) | 5.0672% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.0672% | 2,739 |
| Net charge-offs to loans | 0.1058% | 1,338 |
| Credit loss provision to net charge-offs | 171.8750% | 1,357 |
| Earnings coverage of net charge-offs (x) | 12.7031% | 2,139 |
| Efficiency ratio | 80.5549% | 924 |
| Assets per employee ($millions) | 3.5286% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 4,305 |
| Loan loss allowance to noncurrent loans | 41.7480% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.2319% | 1,063 |
| Noncurrent loans to loans | 2.0133% | 705 |
| Net loans and leases to total assets | 59.6255% | 3,773 |
| Net loans and leases to deposits | 71.3321% | 3,735 |
| Net loans and leases to core deposits | 74.1813% | 3,880 |
| Total domestic deposits to total assets | 83.5886% | 3,018 |
| Equity capital to assets | 11.5241% | 2,589 |
| Core capital (leverage) ratio | 11.5144% | 2,155 |
| Tier 1 risk-based capital ratio | 16.4282% | 2,269 |
| Total risk-based capital ratio | 17.2331% | 2,363 |
| Memoranda: | ||
| Average total assets | $207,530,000 | 2,807 |
| Average earning assets | $188,061,330 | 2,843 |
| Average equity | $23,326,670 | 2,853 |
| Average total loans | $120,935,670 | 2,978 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2161% | 3,816 |
| Cost of funding earning assets | 0.3969% | 4,495 |
| Net interest margin | 3.8192% | 2,454 |
| Noninterest income to average assets | 0.5685% | 2,190 |
| Noninterest expense to average assets | 3.2496% | 1,383 |
| Loan and lease loss provision to assets | 0.0584% | 2,483 |
| Net operating income to assets | 0.6226% | 4,174 |
| Return on assets (ROA) | 0.6075% | 4,254 |
| Pretax return on assets | 0.7087% | 4,280 |
| Return on Equity (ROE) | 5.4758% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.4758% | 2,703 |
| Net charge-offs to loans | 0.1834% | 758 |
| Credit loss provision to net charge-offs | 55.5556% | 1,940 |
| Earnings coverage of net charge-offs (x) | 7.4630% | 2,135 |
| Efficiency ratio | 80.5502% | 1,004 |
| Assets per employee ($millions) | 3.3526% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8441% | 4,374 |
| Loan loss allowance to noncurrent loans | 36.9413% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 1.3457% | 948 |
| Noncurrent loans to loans | 2.2851% | 608 |
| Net loans and leases to total assets | 58.3956% | 3,840 |
| Net loans and leases to deposits | 69.1817% | 3,833 |
| Net loans and leases to core deposits | 71.7672% | 3,960 |
| Total domestic deposits to total assets | 84.4090% | 2,897 |
| Equity capital to assets | 11.6090% | 2,306 |
| Core capital (leverage) ratio | 11.2995% | 2,289 |
| Tier 1 risk-based capital ratio | 17.1229% | 2,071 |
| Total risk-based capital ratio | 17.9231% | 2,161 |
| Memoranda: | ||
| Average total assets | $205,438,500 | 2,848 |
| Average earning assets | $186,427,000 | 2,892 |
| Average equity | $22,791,000 | 2,900 |
| Average total loans | $117,751,000 | 3,047 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1405% | 3,617 |
| Cost of funding earning assets | 0.3600% | 4,219 |
| Net interest margin | 3.7805% | 2,742 |
| Noninterest income to average assets | 0.5146% | 2,752 |
| Noninterest expense to average assets | 3.0344% | 1,980 |
| Loan and lease loss provision to assets | 0.1206% | 1,830 |
| Net operating income to assets | 0.6985% | 4,140 |
| Return on assets (ROA) | 0.6523% | 4,286 |
| Pretax return on assets | 0.7398% | 4,314 |
| Return on Equity (ROE) | 6.0060% | 4,175 |
| Retained earnings to average equity (ytd only) | -1.7247% | 5,114 |
| Net charge-offs to loans | 0.1144% | 1,604 |
| Credit loss provision to net charge-offs | 200.7874% | 1,429 |
| Earnings coverage of net charge-offs (x) | 15.1969% | 2,340 |
| Efficiency ratio | 76.8724% | 1,248 |
| Assets per employee ($millions) | 3.5546% | 4,494 |
| Cash dividends to net income (ytd only)* | 128.7165% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8749% | 4,278 |
| Loan loss allowance to noncurrent loans | 36.3249% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 1.3442% | 938 |
| Noncurrent loans to loans | 2.4086% | 520 |
| Net loans and leases to total assets | 55.3173% | 4,179 |
| Net loans and leases to deposits | 66.4698% | 4,085 |
| Net loans and leases to core deposits | 68.8811% | 4,180 |
| Total domestic deposits to total assets | 83.2217% | 3,255 |
| Equity capital to assets | 10.5997% | 3,080 |
| Core capital (leverage) ratio | 10.5040% | 3,023 |
| Tier 1 risk-based capital ratio | 16.2774% | 2,318 |
| Total risk-based capital ratio | 17.0861% | 2,402 |
| Memoranda: | ||
| Average total assets | $211,409,400 | 2,755 |
| Average earning assets | $191,959,200 | 2,806 |
| Average equity | $22,960,400 | 2,823 |
| Average total loans | $111,022,200 | 3,113 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1182% | 3,572 |
| Cost of funding earning assets | 0.3543% | 4,156 |
| Net interest margin | 3.7639% | 2,777 |
| Noninterest income to average assets | 0.4821% | 2,969 |
| Noninterest expense to average assets | 3.0092% | 1,996 |
| Loan and lease loss provision to assets | 0.1196% | 1,695 |
| Net operating income to assets | 0.6878% | 4,264 |
| Return on assets (ROA) | 0.6256% | 4,447 |
| Pretax return on assets | 0.6999% | 4,534 |
| Return on Equity (ROE) | 5.7266% | 4,348 |
| Retained earnings to average equity (ytd only) | 5.1505% | 3,156 |
| Net charge-offs to loans | 0.1120% | 1,375 |
| Credit loss provision to net charge-offs | 206.5217% | 1,344 |
| Earnings coverage of net charge-offs (x) | 15.3591% | 2,229 |
| Efficiency ratio | 77.1876% | 1,209 |
| Assets per employee ($millions) | 3.3830% | 4,702 |
| Cash dividends to net income (ytd only)* | 10.0604% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 4,392 |
| Loan loss allowance to noncurrent loans | 73.5751% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 0.6852% | 2,148 |
| Noncurrent loans to loans | 1.1748% | 1,438 |
| Net loans and leases to total assets | 55.2439% | 4,277 |
| Net loans and leases to deposits | 67.7984% | 4,075 |
| Net loans and leases to core deposits | 70.7342% | 4,141 |
| Total domestic deposits to total assets | 81.4826% | 3,743 |
| Equity capital to assets | 11.1900% | 2,487 |
| Core capital (leverage) ratio | 11.3617% | 2,279 |
| Tier 1 risk-based capital ratio | 17.2058% | 2,019 |
| Total risk-based capital ratio | 17.9940% | 2,136 |
| Memoranda: | ||
| Average total assets | $211,831,000 | 2,778 |
| Average earning assets | $192,277,750 | 2,818 |
| Average equity | $23,143,000 | 2,815 |
| Average total loans | $109,518,500 | 3,165 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0564% | 3,592 |
| Cost of funding earning assets | 0.3268% | 4,226 |
| Net interest margin | 3.7296% | 2,827 |
| Noninterest income to average assets | 0.4503% | 3,149 |
| Noninterest expense to average assets | 2.9590% | 2,176 |
| Loan and lease loss provision to assets | 0.1264% | 1,565 |
| Net operating income to assets | 0.6775% | 4,258 |
| Return on assets (ROA) | 0.5579% | 4,609 |
| Pretax return on assets | 0.6188% | 4,707 |
| Return on Equity (ROE) | 5.1468% | 4,507 |
| Retained earnings to average equity (ytd only) | 4.2832% | 3,465 |
| Net charge-offs to loans | 0.1597% | 964 |
| Credit loss provision to net charge-offs | 156.9767% | 1,532 |
| Earnings coverage of net charge-offs (x) | 10.9070% | 2,303 |
| Efficiency ratio | 77.1164% | 1,299 |
| Assets per employee ($millions) | 3.5194% | 4,571 |
| Cash dividends to net income (ytd only)* | 16.7785% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8438% | 4,572 |
| Loan loss allowance to noncurrent loans | 85.2888% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.5737% | 2,509 |
| Noncurrent loans to loans | 0.9893% | 1,767 |
| Net loans and leases to total assets | 54.4037% | 4,304 |
| Net loans and leases to deposits | 65.6322% | 4,186 |
| Net loans and leases to core deposits | 68.4482% | 4,229 |
| Total domestic deposits to total assets | 82.8918% | 3,439 |
| Equity capital to assets | 11.2437% | 2,416 |
| Core capital (leverage) ratio | 11.1614% | 2,379 |
| Tier 1 risk-based capital ratio | 16.8364% | 2,154 |
| Total risk-based capital ratio | 17.5870% | 2,262 |
| Memoranda: | ||
| Average total assets | $213,653,670 | 2,780 |
| Average earning assets | $194,013,000 | 2,812 |
| Average equity | $23,160,000 | 2,826 |
| Average total loans | $107,692,330 | 3,207 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0145% | 3,554 |
| Cost of funding earning assets | 0.3223% | 4,187 |
| Net interest margin | 3.6922% | 2,830 |
| Noninterest income to average assets | 0.4139% | 3,361 |
| Noninterest expense to average assets | 2.8734% | 2,459 |
| Loan and lease loss provision to assets | 0.1923% | 872 |
| Net operating income to assets | 0.6303% | 4,336 |
| Return on assets (ROA) | 0.5732% | 4,510 |
| Pretax return on assets | 0.6410% | 4,586 |
| Return on Equity (ROE) | 5.3816% | 4,361 |
| Retained earnings to average equity (ytd only) | 5.3816% | 3,001 |
| Net charge-offs to loans | 0.2994% | 506 |
| Credit loss provision to net charge-offs | 132.9114% | 1,318 |
| Earnings coverage of net charge-offs (x) | 6.2025% | 2,172 |
| Efficiency ratio | 76.2020% | 1,563 |
| Assets per employee ($millions) | 3.5916% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 4,611 |
| Loan loss allowance to noncurrent loans | 75.9473% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 0.6026% | 2,506 |
| Noncurrent loans to loans | 1.1293% | 1,622 |
| Net loans and leases to total assets | 50.2966% | 4,537 |
| Net loans and leases to deposits | 60.6456% | 4,430 |
| Net loans and leases to core deposits | 63.1430% | 4,479 |
| Total domestic deposits to total assets | 82.9353% | 3,687 |
| Equity capital to assets | 10.7845% | 2,788 |
| Core capital (leverage) ratio | 10.6072% | 2,845 |
| Tier 1 risk-based capital ratio | 16.1527% | 2,408 |
| Total risk-based capital ratio | 16.8632% | 2,570 |
| Memoranda: | ||
| Average total assets | $218,418,500 | 2,771 |
| Average earning assets | $198,578,500 | 2,803 |
| Average equity | $23,264,500 | 2,838 |
| Average total loans | $105,540,500 | 3,269 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6861% | 4,370 |
| Cost of funding earning assets | 0.2888% | 4,234 |
| Net interest margin | 3.3973% | 3,863 |
| Noninterest income to average assets | 0.4838% | 3,102 |
| Noninterest expense to average assets | 3.1407% | 1,745 |
| Loan and lease loss provision to assets | 0.0282% | 3,712 |
| Net operating income to assets | 0.1270% | 5,225 |
| Return on assets (ROA) | 0.1273% | 5,230 |
| Pretax return on assets | 0.3988% | 5,089 |
| Return on Equity (ROE) | 1.1195% | 5,221 |
| Retained earnings to average equity (ytd only) | -0.2768% | 5,077 |
| Net charge-offs to loans | 0.6352% | 351 |
| Credit loss provision to net charge-offs | 9.7879% | 3,668 |
| Earnings coverage of net charge-offs (x) | 1.4812% | 3,883 |
| Efficiency ratio | 88.0432% | 530 |
| Assets per employee ($millions) | 3.8781% | 4,146 |
| Cash dividends to net income (ytd only)* | 124.7232% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 4,612 |
| Loan loss allowance to noncurrent loans | 59.0250% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 0.9696% | 1,594 |
| Noncurrent loans to loans | 1.4656% | 1,167 |
| Net loans and leases to total assets | 45.6502% | 4,906 |
| Net loans and leases to deposits | 55.9685% | 4,800 |
| Net loans and leases to core deposits | 58.1662% | 4,844 |
| Total domestic deposits to total assets | 81.5642% | 3,981 |
| Equity capital to assets | 10.5258% | 3,142 |
| Core capital (leverage) ratio | 10.4138% | 2,950 |
| Tier 1 risk-based capital ratio | 15.9306% | 2,457 |
| Total risk-based capital ratio | 16.6172% | 2,614 |
| Memoranda: | ||
| Average total assets | $212,883,400 | 2,791 |
| Average earning assets | $193,212,200 | 2,830 |
| Average equity | $24,208,200 | 2,735 |
| Average total loans | $96,500,000 | 3,403 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7040% | 4,313 |
| Cost of funding earning assets | 0.2783% | 4,335 |
| Net interest margin | 3.4257% | 3,754 |
| Noninterest income to average assets | 0.5279% | 2,849 |
| Noninterest expense to average assets | 3.2400% | 1,479 |
| Loan and lease loss provision to assets | 0.0191% | 3,762 |
| Net operating income to assets | 0.4066% | 4,987 |
| Return on assets (ROA) | 0.4174% | 4,991 |
| Pretax return on assets | 0.3844% | 5,211 |
| Return on Equity (ROE) | 3.5987% | 4,964 |
| Retained earnings to average equity (ytd only) | 1.7473% | 4,725 |
| Net charge-offs to loans | 0.7150% | 266 |
| Credit loss provision to net charge-offs | 5.9055% | 3,245 |
| Earnings coverage of net charge-offs (x) | 1.2165% | 3,589 |
| Efficiency ratio | 89.1920% | 443 |
| Assets per employee ($millions) | 3.3760% | 4,882 |
| Cash dividends to net income (ytd only)* | 51.4464% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 3,901 |
| Loan loss allowance to noncurrent loans | 65.5196% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.0916% | 1,525 |
| Noncurrent loans to loans | 1.5719% | 1,183 |
| Net loans and leases to total assets | 45.3097% | 4,974 |
| Net loans and leases to deposits | 56.2323% | 4,862 |
| Net loans and leases to core deposits | 58.6813% | 4,890 |
| Total domestic deposits to total assets | 80.5758% | 4,181 |
| Equity capital to assets | 12.0602% | 1,928 |
| Core capital (leverage) ratio | 11.2117% | 2,263 |
| Tier 1 risk-based capital ratio | 17.7695% | 1,920 |
| Total risk-based capital ratio | 18.5908% | 2,003 |
| Memoranda: | ||
| Average total assets | $209,871,250 | 2,847 |
| Average earning assets | $190,202,000 | 2,891 |
| Average equity | $24,341,250 | 2,752 |
| Average total loans | $94,730,500 | 3,468 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6746% | 4,300 |
| Cost of funding earning assets | 0.2661% | 4,408 |
| Net interest margin | 3.4085% | 3,739 |
| Noninterest income to average assets | 0.4991% | 3,035 |
| Noninterest expense to average assets | 3.2038% | 1,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4120% | 4,955 |
| Return on assets (ROA) | 0.4281% | 4,931 |
| Pretax return on assets | 0.4044% | 5,171 |
| Return on Equity (ROE) | 3.7392% | 4,900 |
| Retained earnings to average equity (ytd only) | 3.7392% | 3,474 |
| Net charge-offs to loans | 0.2150% | 950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.0196% | 2,983 |
| Efficiency ratio | 89.1906% | 489 |
| Assets per employee ($millions) | 3.3953% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4274% | 1,834 |
| Loan loss allowance to noncurrent loans | 53.0942% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.2568% | 1,333 |
| Noncurrent loans to loans | 2.6885% | 523 |
| Net loans and leases to total assets | 44.9115% | 4,998 |
| Net loans and leases to deposits | 54.9871% | 4,909 |
| Net loans and leases to core deposits | 58.7820% | 4,885 |
| Total domestic deposits to total assets | 81.6765% | 3,982 |
| Equity capital to assets | 12.0647% | 1,887 |
| Core capital (leverage) ratio | 11.1190% | 2,299 |
| Tier 1 risk-based capital ratio | 17.8267% | 1,912 |
| Total risk-based capital ratio | 18.9332% | 1,910 |
| Memoranda: | ||
| Average total assets | $211,183,670 | 2,849 |
| Average earning assets | $191,637,670 | 2,891 |
| Average equity | $24,176,330 | 2,760 |
| Average total loans | $94,881,000 | 3,474 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6074% | 4,401 |
| Cost of funding earning assets | 0.2544% | 4,502 |
| Net interest margin | 3.3530% | 3,832 |
| Noninterest income to average assets | 0.5591% | 2,615 |
| Noninterest expense to average assets | 3.1892% | 1,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4371% | 4,826 |
| Return on assets (ROA) | 0.4540% | 4,781 |
| Pretax return on assets | 0.4277% | 5,106 |
| Return on Equity (ROE) | 4.0723% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.0723% | 3,421 |
| Net charge-offs to loans | 0.1177% | 1,226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 7.8214% | 2,108 |
| Efficiency ratio | 88.5878% | 628 |
| Assets per employee ($millions) | 3.3358% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 1,852 |
| Loan loss allowance to noncurrent loans | 53.8491% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 1.2661% | 1,351 |
| Noncurrent loans to loans | 2.7014% | 559 |
| Net loans and leases to total assets | 45.0586% | 4,982 |
| Net loans and leases to deposits | 53.8054% | 4,945 |
| Net loans and leases to core deposits | 57.3090% | 4,910 |
| Total domestic deposits to total assets | 83.7436% | 3,574 |
| Equity capital to assets | 11.2951% | 2,357 |
| Core capital (leverage) ratio | 10.9577% | 2,400 |
| Tier 1 risk-based capital ratio | 17.2160% | 2,117 |
| Total risk-based capital ratio | 18.3492% | 2,102 |
| Memoranda: | ||
| Average total assets | $213,217,500 | 2,845 |
| Average earning assets | $193,381,500 | 2,892 |
| Average equity | $23,770,500 | 2,812 |
| Average total loans | $95,138,500 | 3,496 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6015% | 4,503 |
| Cost of funding earning assets | 0.2174% | 4,864 |
| Net interest margin | 3.3841% | 3,874 |
| Noninterest income to average assets | 0.5074% | 3,189 |
| Noninterest expense to average assets | 3.1886% | 1,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4225% | 4,870 |
| Return on assets (ROA) | 0.4598% | 4,851 |
| Pretax return on assets | 0.4319% | 5,154 |
| Return on Equity (ROE) | 3.9486% | 4,849 |
| Retained earnings to average equity (ytd only) | 3.0577% | 3,721 |
| Net charge-offs to loans | -0.0589% | 5,439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9854% | 615 |
| Assets per employee ($millions) | 3.3273% | 5,007 |
| Cash dividends to net income (ytd only)* | 22.5641% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 1,460 |
| Loan loss allowance to noncurrent loans | 56.1676% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.2416% | 1,439 |
| Noncurrent loans to loans | 2.7822% | 528 |
| Net loans and leases to total assets | 42.8343% | 5,191 |
| Net loans and leases to deposits | 51.9907% | 5,126 |
| Net loans and leases to core deposits | 54.0361% | 5,150 |
| Total domestic deposits to total assets | 82.3883% | 3,964 |
| Equity capital to assets | 11.0015% | 2,627 |
| Core capital (leverage) ratio | 10.8492% | 2,489 |
| Tier 1 risk-based capital ratio | 17.5355% | 1,997 |
| Total risk-based capital ratio | 18.7223% | 1,975 |
| Memoranda: | ||
| Average total assets | $212,071,200 | 2,841 |
| Average earning assets | $192,752,400 | 2,869 |
| Average equity | $24,692,000 | 2,750 |
| Average total loans | $91,623,800 | 3,546 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6084% | 4,527 |
| Cost of funding earning assets | 0.2208% | 4,876 |
| Net interest margin | 3.3875% | 3,899 |
| Noninterest income to average assets | 0.5117% | 3,172 |
| Noninterest expense to average assets | 3.1971% | 1,779 |
| Loan and lease loss provision to assets | 0.0252% | 3,741 |
| Net operating income to assets | 0.4015% | 5,007 |
| Return on assets (ROA) | 0.4512% | 4,956 |
| Pretax return on assets | 0.4185% | 5,270 |
| Return on Equity (ROE) | 3.8227% | 4,971 |
| Retained earnings to average equity (ytd only) | 3.2895% | 3,931 |
| Net charge-offs to loans | 0.0744% | 2,258 |
| Credit loss provision to net charge-offs | 78.4314% | 2,686 |
| Earnings coverage of net charge-offs (x) | 12.2743% | 2,406 |
| Efficiency ratio | 89.0291% | 612 |
| Assets per employee ($millions) | 3.3395% | 4,995 |
| Cash dividends to net income (ytd only)* | 13.9469% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 1,717 |
| Loan loss allowance to noncurrent loans | 52.7238% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 1.3210% | 1,444 |
| Noncurrent loans to loans | 2.8736% | 551 |
| Net loans and leases to total assets | 44.1633% | 5,180 |
| Net loans and leases to deposits | 54.1902% | 5,098 |
| Net loans and leases to core deposits | 56.3633% | 5,132 |
| Total domestic deposits to total assets | 81.4969% | 4,105 |
| Equity capital to assets | 12.5000% | 1,779 |
| Core capital (leverage) ratio | 11.1934% | 2,274 |
| Tier 1 risk-based capital ratio | 19.1176% | 1,646 |
| Total risk-based capital ratio | 20.3379% | 1,609 |
| Memoranda: | ||
| Average total assets | $211,853,000 | 2,849 |
| Average earning assets | $192,583,500 | 2,885 |
| Average equity | $25,008,250 | 2,732 |
| Average total loans | $91,364,500 | 3,566 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6010% | 4,585 |
| Cost of funding earning assets | 0.2226% | 4,914 |
| Net interest margin | 3.3784% | 3,973 |
| Noninterest income to average assets | 0.5005% | 3,186 |
| Noninterest expense to average assets | 3.1627% | 1,903 |
| Loan and lease loss provision to assets | 0.0093% | 3,903 |
| Net operating income to assets | 0.4045% | 5,019 |
| Return on assets (ROA) | 0.4698% | 4,895 |
| Pretax return on assets | 0.4642% | 5,216 |
| Return on Equity (ROE) | 4.0553% | 4,891 |
| Retained earnings to average equity (ytd only) | 3.2507% | 3,821 |
| Net charge-offs to loans | 0.0897% | 1,946 |
| Credit loss provision to net charge-offs | 24.3902% | 2,904 |
| Earnings coverage of net charge-offs (x) | 10.6829% | 2,315 |
| Efficiency ratio | 88.5670% | 681 |
| Assets per employee ($millions) | 3.4335% | 4,861 |
| Cash dividends to net income (ytd only)* | 19.8413% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 1,780 |
| Loan loss allowance to noncurrent loans | 56.7152% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 1.2189% | 1,693 |
| Noncurrent loans to loans | 2.6860% | 608 |
| Net loans and leases to total assets | 42.8017% | 5,299 |
| Net loans and leases to deposits | 52.2376% | 5,238 |
| Net loans and leases to core deposits | 56.0218% | 5,171 |
| Total domestic deposits to total assets | 81.9366% | 4,015 |
| Equity capital to assets | 12.3694% | 1,856 |
| Core capital (leverage) ratio | 10.9524% | 2,483 |
| Tier 1 risk-based capital ratio | 19.3522% | 1,611 |
| Total risk-based capital ratio | 20.5735% | 1,581 |
| Memoranda: | ||
| Average total assets | $214,566,670 | 2,836 |
| Average earning assets | $195,003,670 | 2,868 |
| Average equity | $24,856,330 | 2,757 |
| Average total loans | $91,369,330 | 3,578 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5328% | 4,809 |
| Cost of funding earning assets | 0.2187% | 5,019 |
| Net interest margin | 3.3141% | 4,172 |
| Noninterest income to average assets | 0.4551% | 3,449 |
| Noninterest expense to average assets | 3.0213% | 2,334 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4220% | 4,928 |
| Return on assets (ROA) | 0.5410% | 4,567 |
| Pretax return on assets | 0.5812% | 4,872 |
| Return on Equity (ROE) | 4.8241% | 4,567 |
| Retained earnings to average equity (ytd only) | 4.8241% | 3,049 |
| Net charge-offs to loans | 0.0737% | 1,746 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 14.5882% | 1,693 |
| Efficiency ratio | 86.9542% | 895 |
| Assets per employee ($millions) | 3.3808% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 1,957 |
| Loan loss allowance to noncurrent loans | 97.7999% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.7212% | 2,909 |
| Noncurrent loans to loans | 1.5393% | 1,514 |
| Net loans and leases to total assets | 42.3286% | 5,333 |
| Net loans and leases to deposits | 50.9961% | 5,284 |
| Net loans and leases to core deposits | 54.8387% | 5,195 |
| Total domestic deposits to total assets | 83.0037% | 3,893 |
| Equity capital to assets | 11.6511% | 2,284 |
| Core capital (leverage) ratio | 10.4818% | 2,987 |
| Tier 1 risk-based capital ratio | 19.0421% | 1,727 |
| Total risk-based capital ratio | 20.2716% | 1,692 |
| Memoranda: | ||
| Average total assets | $218,846,000 | 2,794 |
| Average earning assets | $199,389,000 | 2,823 |
| Average equity | $24,543,500 | 2,786 |
| Average total loans | $92,284,500 | 3,567 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6033% | 4,667 |
| Cost of funding earning assets | 0.2400% | 4,891 |
| Net interest margin | 3.3632% | 4,062 |
| Noninterest income to average assets | 0.5570% | 2,980 |
| Noninterest expense to average assets | 3.1789% | 2,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4418% | 4,907 |
| Return on assets (ROA) | 0.4647% | 4,908 |
| Pretax return on assets | 0.4596% | 5,204 |
| Return on Equity (ROE) | 4.1310% | 4,886 |
| Retained earnings to average equity (ytd only) | 0.9245% | 5,150 |
| Net charge-offs to loans | 0.0563% | 3,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 17.2593% | 2,087 |
| Efficiency ratio | 87.9243% | 837 |
| Assets per employee ($millions) | 3.5667% | 4,693 |
| Cash dividends to net income (ytd only)* | 77.6210% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 2,013 |
| Loan loss allowance to noncurrent loans | 94.7047% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 0.7147% | 2,911 |
| Noncurrent loans to loans | 1.5833% | 1,450 |
| Net loans and leases to total assets | 40.7830% | 5,474 |
| Net loans and leases to deposits | 49.6462% | 5,411 |
| Net loans and leases to core deposits | 53.0291% | 5,368 |
| Total domestic deposits to total assets | 82.1472% | 4,133 |
| Equity capital to assets | 10.8016% | 3,030 |
| Core capital (leverage) ratio | 10.1491% | 3,319 |
| Tier 1 risk-based capital ratio | 17.7828% | 2,028 |
| Total risk-based capital ratio | 18.9627% | 2,003 |
| Memoranda: | ||
| Average total assets | $213,467,200 | 2,803 |
| Average earning assets | $194,130,000 | 2,840 |
| Average equity | $24,013,600 | 2,783 |
| Average total loans | $95,934,000 | 3,460 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6138% | 4,691 |
| Cost of funding earning assets | 0.2416% | 4,978 |
| Net interest margin | 3.3722% | 4,074 |
| Noninterest income to average assets | 0.5741% | 2,887 |
| Noninterest expense to average assets | 3.2488% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4076% | 5,140 |
| Return on assets (ROA) | 0.4373% | 5,116 |
| Pretax return on assets | 0.4203% | 5,422 |
| Return on Equity (ROE) | 3.8469% | 5,091 |
| Retained earnings to average equity (ytd only) | 1.1190% | 5,269 |
| Net charge-offs to loans | 0.0717% | 2,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 11.8657% | 2,451 |
| Efficiency ratio | 89.2696% | 747 |
| Assets per employee ($millions) | 3.3958% | 4,991 |
| Cash dividends to net income (ytd only)* | 70.9121% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 2,156 |
| Loan loss allowance to noncurrent loans | 94.7119% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 0.7827% | 2,933 |
| Noncurrent loans to loans | 1.5855% | 1,569 |
| Net loans and leases to total assets | 43.5239% | 5,384 |
| Net loans and leases to deposits | 52.6108% | 5,333 |
| Net loans and leases to core deposits | 56.4237% | 5,281 |
| Total domestic deposits to total assets | 82.7279% | 3,909 |
| Equity capital to assets | 11.4856% | 2,518 |
| Core capital (leverage) ratio | 10.9523% | 2,539 |
| Tier 1 risk-based capital ratio | 20.8631% | 1,367 |
| Total risk-based capital ratio | 22.1238% | 1,338 |
| Memoranda: | ||
| Average total assets | $210,659,250 | 2,857 |
| Average earning assets | $191,483,000 | 2,901 |
| Average equity | $23,949,250 | 2,808 |
| Average total loans | $96,659,000 | 3,476 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6048% | 4,705 |
| Cost of funding earning assets | 0.2446% | 4,999 |
| Net interest margin | 3.3602% | 4,056 |
| Noninterest income to average assets | 0.5961% | 2,767 |
| Noninterest expense to average assets | 3.2777% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4034% | 5,125 |
| Return on assets (ROA) | 0.4034% | 5,232 |
| Pretax return on assets | 0.3692% | 5,537 |
| Return on Equity (ROE) | 3.5607% | 5,199 |
| Retained earnings to average equity (ytd only) | -0.5446% | 5,617 |
| Net charge-offs to loans | 0.0490% | 2,725 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 16.2083% | 1,925 |
| Efficiency ratio | 89.8751% | 761 |
| Assets per employee ($millions) | 3.3244% | 5,119 |
| Cash dividends to net income (ytd only)* | 115.2941% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 2,203 |
| Loan loss allowance to noncurrent loans | 94.8735% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 0.8684% | 2,809 |
| Noncurrent loans to loans | 1.6032% | 1,637 |
| Net loans and leases to total assets | 45.4977% | 5,289 |
| Net loans and leases to deposits | 55.5413% | 5,153 |
| Net loans and leases to core deposits | 59.7698% | 5,085 |
| Total domestic deposits to total assets | 81.9169% | 4,313 |
| Equity capital to assets | 11.6630% | 2,279 |
| Core capital (leverage) ratio | 10.5974% | 2,850 |
| Tier 1 risk-based capital ratio | 20.9446% | 1,377 |
| Total risk-based capital ratio | 22.2057% | 1,343 |
| Memoranda: | ||
| Average total assets | $210,698,330 | 2,877 |
| Average earning assets | $191,298,670 | 2,924 |
| Average equity | $23,871,670 | 2,824 |
| Average total loans | $97,867,670 | 3,474 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5389% | 4,863 |
| Cost of funding earning assets | 0.2396% | 5,132 |
| Net interest margin | 3.2992% | 4,222 |
| Noninterest income to average assets | 0.4752% | 3,463 |
| Noninterest expense to average assets | 3.1548% | 2,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3839% | 5,132 |
| Return on assets (ROA) | 0.3839% | 5,252 |
| Pretax return on assets | 0.3224% | 5,599 |
| Return on Equity (ROE) | 3.4359% | 5,204 |
| Retained earnings to average equity (ytd only) | -4.7369% | 5,919 |
| Net charge-offs to loans | 0.0480% | 2,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 14.4167% | 1,670 |
| Efficiency ratio | 90.7288% | 797 |
| Assets per employee ($millions) | 3.4949% | 4,906 |
| Cash dividends to net income (ytd only)* | 237.8641% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 2,581 |
| Loan loss allowance to noncurrent loans | 100.9838% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.7890% | 3,137 |
| Noncurrent loans to loans | 1.4554% | 1,951 |
| Net loans and leases to total assets | 45.1880% | 5,257 |
| Net loans and leases to deposits | 54.8308% | 5,140 |
| Net loans and leases to core deposits | 61.5107% | 4,872 |
| Total domestic deposits to total assets | 82.4136% | 4,377 |
| Equity capital to assets | 11.2324% | 2,718 |
| Core capital (leverage) ratio | 10.4934% | 2,973 |
| Tier 1 risk-based capital ratio | 19.4199% | 1,758 |
| Total risk-based capital ratio | 20.6772% | 1,712 |
| Memoranda: | ||
| Average total assets | $214,654,500 | 2,856 |
| Average earning assets | $195,317,500 | 2,888 |
| Average equity | $23,982,000 | 2,829 |
| Average total loans | $99,957,500 | 3,450 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8929% | 4,142 |
| Cost of funding earning assets | 0.2586% | 5,238 |
| Net interest margin | 3.6343% | 3,274 |
| Noninterest income to average assets | 0.6069% | 2,816 |
| Noninterest expense to average assets | 3.2519% | 2,070 |
| Loan and lease loss provision to assets | 0.0385% | 3,804 |
| Net operating income to assets | 0.5877% | 4,437 |
| Return on assets (ROA) | 0.5877% | 4,510 |
| Pretax return on assets | 0.6011% | 4,937 |
| Return on Equity (ROE) | 5.3185% | 4,504 |
| Retained earnings to average equity (ytd only) | 4.3392% | 3,098 |
| Net charge-offs to loans | 0.0804% | 3,341 |
| Credit loss provision to net charge-offs | 97.5610% | 2,486 |
| Earnings coverage of net charge-offs (x) | 16.2195% | 2,029 |
| Efficiency ratio | 83.5640% | 1,464 |
| Assets per employee ($millions) | 3.6020% | 4,713 |
| Cash dividends to net income (ytd only)* | 18.4124% | 3,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4186% | 2,858 |
| Loan loss allowance to noncurrent loans | 52.4240% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 1.3987% | 1,989 |
| Noncurrent loans to loans | 2.7060% | 898 |
| Net loans and leases to total assets | 46.5913% | 5,274 |
| Net loans and leases to deposits | 57.3125% | 5,102 |
| Net loans and leases to core deposits | 63.7926% | 4,843 |
| Total domestic deposits to total assets | 81.2934% | 4,658 |
| Equity capital to assets | 11.1132% | 2,791 |
| Core capital (leverage) ratio | 10.2509% | 3,246 |
| Tier 1 risk-based capital ratio | 17.3045% | 2,381 |
| Total risk-based capital ratio | 18.5226% | 2,352 |
| Memoranda: | ||
| Average total assets | $207,937,600 | 2,903 |
| Average earning assets | $187,930,000 | 2,937 |
| Average equity | $22,976,600 | 2,852 |
| Average total loans | $102,007,800 | 3,380 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9338% | 4,038 |
| Cost of funding earning assets | 0.2607% | 5,295 |
| Net interest margin | 3.6732% | 3,137 |
| Noninterest income to average assets | 0.6463% | 2,591 |
| Noninterest expense to average assets | 3.2521% | 2,027 |
| Loan and lease loss provision to assets | 0.0453% | 3,487 |
| Net operating income to assets | 0.6126% | 4,385 |
| Return on assets (ROA) | 0.6126% | 4,475 |
| Pretax return on assets | 0.6612% | 4,834 |
| Return on Equity (ROE) | 5.5524% | 4,459 |
| Retained earnings to average equity (ytd only) | 5.4057% | 2,823 |
| Net charge-offs to loans | 0.1059% | 2,740 |
| Credit loss provision to net charge-offs | 86.4198% | 2,488 |
| Earnings coverage of net charge-offs (x) | 13.4688% | 2,223 |
| Efficiency ratio | 82.1528% | 1,599 |
| Assets per employee ($millions) | 3.2648% | 5,299 |
| Cash dividends to net income (ytd only)* | 2.6425% | 3,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 3,205 |
| Loan loss allowance to noncurrent loans | 53.3531% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 1.4381% | 2,148 |
| Noncurrent loans to loans | 2.6138% | 1,096 |
| Net loans and leases to total assets | 49.5026% | 5,055 |
| Net loans and leases to deposits | 60.9641% | 4,852 |
| Net loans and leases to core deposits | 68.3916% | 4,471 |
| Total domestic deposits to total assets | 81.1996% | 4,770 |
| Equity capital to assets | 11.4755% | 2,506 |
| Core capital (leverage) ratio | 10.5427% | 2,995 |
| Tier 1 risk-based capital ratio | 17.2511% | 2,500 |
| Total risk-based capital ratio | 18.4491% | 2,487 |
| Memoranda: | ||
| Average total assets | $205,891,500 | 2,948 |
| Average earning assets | $185,666,500 | 2,987 |
| Average equity | $22,716,250 | 2,881 |
| Average total loans | $101,974,000 | 3,412 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9321% | 4,004 |
| Cost of funding earning assets | 0.2609% | 5,376 |
| Net interest margin | 3.6711% | 3,062 |
| Noninterest income to average assets | 0.6496% | 2,547 |
| Noninterest expense to average assets | 3.1472% | 2,342 |
| Loan and lease loss provision to assets | 0.0486% | 3,334 |
| Net operating income to assets | 0.6720% | 3,983 |
| Return on assets (ROA) | 0.6720% | 4,077 |
| Pretax return on assets | 0.7603% | 4,417 |
| Return on Equity (ROE) | 6.1729% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.9499% | 2,350 |
| Net charge-offs to loans | 0.0965% | 2,705 |
| Credit loss provision to net charge-offs | 102.0408% | 1,947 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,756 |
| Efficiency ratio | 79.5533% | 2,083 |
| Assets per employee ($millions) | 3.2009% | 5,426 |
| Cash dividends to net income (ytd only)* | 3.6127% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 3,261 |
| Loan loss allowance to noncurrent loans | 51.3982% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 1.4286% | 2,285 |
| Noncurrent loans to loans | 2.7566% | 1,090 |
| Net loans and leases to total assets | 47.8237% | 5,187 |
| Net loans and leases to deposits | 58.7372% | 4,979 |
| Net loans and leases to core deposits | 65.6570% | 4,669 |
| Total domestic deposits to total assets | 81.4198% | 4,837 |
| Equity capital to assets | 11.0439% | 2,832 |
| Core capital (leverage) ratio | 10.1937% | 3,351 |
| Tier 1 risk-based capital ratio | 16.9546% | 2,638 |
| Total risk-based capital ratio | 18.1553% | 2,629 |
| Memoranda: | ||
| Average total assets | $205,961,330 | 2,965 |
| Average earning assets | $185,501,000 | 3,006 |
| Average equity | $22,420,670 | 2,902 |
| Average total loans | $101,546,000 | 3,425 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9097% | 4,045 |
| Cost of funding earning assets | 0.2668% | 5,421 |
| Net interest margin | 3.6430% | 3,087 |
| Noninterest income to average assets | 0.5489% | 3,055 |
| Noninterest expense to average assets | 3.1419% | 2,397 |
| Loan and lease loss provision to assets | 0.0590% | 2,927 |
| Net operating income to assets | 0.5804% | 4,296 |
| Return on assets (ROA) | 0.5804% | 4,363 |
| Pretax return on assets | 0.6256% | 4,739 |
| Return on Equity (ROE) | 5.3721% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.3721% | 2,875 |
| Net charge-offs to loans | 0.0950% | 2,214 |
| Credit loss provision to net charge-offs | 125.0000% | 1,406 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 1,602 |
| Efficiency ratio | 82.1080% | 1,914 |
| Assets per employee ($millions) | 3.1094% | 5,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 3,412 |
| Loan loss allowance to noncurrent loans | 52.4478% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 1.5145% | 2,336 |
| Noncurrent loans to loans | 2.7469% | 1,224 |
| Net loans and leases to total assets | 49.3187% | 4,969 |
| Net loans and leases to deposits | 61.0157% | 4,660 |
| Net loans and leases to core deposits | 67.0251% | 4,395 |
| Total domestic deposits to total assets | 80.8296% | 5,282 |
| Equity capital to assets | 11.0782% | 2,650 |
| Core capital (leverage) ratio | 10.6534% | 2,758 |
| Tier 1 risk-based capital ratio | 16.8603% | 2,752 |
| Total risk-based capital ratio | 18.0790% | 2,725 |
| Memoranda: | ||
| Average total assets | $203,313,500 | 3,018 |
| Average earning assets | $182,928,500 | 3,065 |
| Average equity | $21,965,500 | 2,939 |
| Average total loans | $101,077,500 | 3,443 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9099% | 4,425 |
| Cost of funding earning assets | 0.3025% | 5,575 |
| Net interest margin | 3.6074% | 3,439 |
| Noninterest income to average assets | 0.6495% | 2,812 |
| Noninterest expense to average assets | 3.2693% | 2,221 |
| Loan and lease loss provision to assets | 0.1177% | 2,848 |
| Net operating income to assets | 0.5117% | 4,681 |
| Return on assets (ROA) | 0.5117% | 4,812 |
| Pretax return on assets | 0.5227% | 5,134 |
| Return on Equity (ROE) | 4.7775% | 4,731 |
| Retained earnings to average equity (ytd only) | 2.0859% | 4,751 |
| Net charge-offs to loans | 0.2583% | 2,418 |
| Credit loss provision to net charge-offs | 93.1559% | 2,673 |
| Earnings coverage of net charge-offs (x) | 5.0684% | 3,393 |
| Efficiency ratio | 83.6201% | 1,673 |
| Assets per employee ($millions) | 3.0076% | 5,827 |
| Cash dividends to net income (ytd only)* | 56.3380% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 3,487 |
| Loan loss allowance to noncurrent loans | 47.6362% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 1.5827% | 2,354 |
| Noncurrent loans to loans | 3.0152% | 1,145 |
| Net loans and leases to total assets | 48.6850% | 5,221 |
| Net loans and leases to deposits | 59.5404% | 4,974 |
| Net loans and leases to core deposits | 65.3810% | 4,745 |
| Total domestic deposits to total assets | 81.7680% | 4,951 |
| Equity capital to assets | 10.5325% | 3,108 |
| Core capital (leverage) ratio | 10.4264% | 2,992 |
| Tier 1 risk-based capital ratio | 16.9470% | 2,633 |
| Total risk-based capital ratio | 18.1843% | 2,598 |
| Memoranda: | ||
| Average total assets | $208,148,200 | 2,933 |
| Average earning assets | $188,113,200 | 2,978 |
| Average equity | $22,292,200 | 2,894 |
| Average total loans | $101,829,800 | 3,403 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8899% | 4,541 |
| Cost of funding earning assets | 0.3112% | 5,636 |
| Net interest margin | 3.5787% | 3,540 |
| Noninterest income to average assets | 0.6601% | 2,827 |
| Noninterest expense to average assets | 3.2507% | 2,199 |
| Loan and lease loss provision to assets | 0.1084% | 2,957 |
| Net operating income to assets | 0.5211% | 4,713 |
| Return on assets (ROA) | 0.5211% | 4,865 |
| Pretax return on assets | 0.5357% | 5,251 |
| Return on Equity (ROE) | 4.8457% | 4,801 |
| Retained earnings to average equity (ytd only) | 1.2871% | 5,471 |
| Net charge-offs to loans | 0.2587% | 2,262 |
| Credit loss provision to net charge-offs | 85.8586% | 2,715 |
| Earnings coverage of net charge-offs (x) | 5.1011% | 3,282 |
| Efficiency ratio | 83.4616% | 1,660 |
| Assets per employee ($millions) | 2.8763% | 6,040 |
| Cash dividends to net income (ytd only)* | 73.4391% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4268% | 3,779 |
| Loan loss allowance to noncurrent loans | 47.7310% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 1.6678% | 2,464 |
| Noncurrent loans to loans | 2.9893% | 1,349 |
| Net loans and leases to total assets | 51.6587% | 4,918 |
| Net loans and leases to deposits | 62.3468% | 4,707 |
| Net loans and leases to core deposits | 65.6059% | 4,744 |
| Total domestic deposits to total assets | 82.8571% | 4,633 |
| Equity capital to assets | 11.0664% | 2,702 |
| Core capital (leverage) ratio | 10.5438% | 2,958 |
| Tier 1 risk-based capital ratio | 16.7573% | 2,836 |
| Total risk-based capital ratio | 17.9909% | 2,784 |
| Memoranda: | ||
| Average total assets | $209,055,500 | 2,944 |
| Average earning assets | $188,964,500 | 2,986 |
| Average equity | $22,480,000 | 2,904 |
| Average total loans | $102,032,000 | 3,426 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7806% | 4,892 |
| Cost of funding earning assets | 0.3178% | 5,687 |
| Net interest margin | 3.4628% | 3,951 |
| Noninterest income to average assets | 0.6611% | 2,850 |
| Noninterest expense to average assets | 3.1990% | 2,358 |
| Loan and lease loss provision to assets | 0.0746% | 3,550 |
| Net operating income to assets | 0.5091% | 4,767 |
| Return on assets (ROA) | 0.5091% | 4,928 |
| Pretax return on assets | 0.5268% | 5,281 |
| Return on Equity (ROE) | 4.7759% | 4,844 |
| Retained earnings to average equity (ytd only) | -0.4723% | 5,955 |
| Net charge-offs to loans | 0.2325% | 2,333 |
| Credit loss provision to net charge-offs | 67.2269% | 2,887 |
| Earnings coverage of net charge-offs (x) | 5.4202% | 2,898 |
| Efficiency ratio | 84.1757% | 1,615 |
| Assets per employee ($millions) | 3.1279% | 5,623 |
| Cash dividends to net income (ytd only)* | 109.8901% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 4,114 |
| Loan loss allowance to noncurrent loans | 47.6349% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 1.5725% | 2,753 |
| Noncurrent loans to loans | 2.9041% | 1,547 |
| Net loans and leases to total assets | 50.1404% | 5,098 |
| Net loans and leases to deposits | 60.5261% | 4,916 |
| Net loans and leases to core deposits | 63.6153% | 4,938 |
| Total domestic deposits to total assets | 82.8411% | 4,767 |
| Equity capital to assets | 10.7687% | 2,976 |
| Core capital (leverage) ratio | 9.7875% | 3,813 |
| Tier 1 risk-based capital ratio | 16.1578% | 3,112 |
| Total risk-based capital ratio | 17.3543% | 3,076 |
| Memoranda: | ||
| Average total assets | $214,504,330 | 2,912 |
| Average earning assets | $194,464,330 | 2,934 |
| Average equity | $22,864,670 | 2,881 |
| Average total loans | $102,378,670 | 3,429 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6437% | 5,328 |
| Cost of funding earning assets | 0.3196% | 5,810 |
| Net interest margin | 3.3241% | 4,423 |
| Noninterest income to average assets | 0.6633% | 2,801 |
| Noninterest expense to average assets | 3.2131% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4725% | 4,809 |
| Return on assets (ROA) | 0.4725% | 4,977 |
| Pretax return on assets | 0.4743% | 5,347 |
| Return on Equity (ROE) | 4.4540% | 4,869 |
| Retained earnings to average equity (ytd only) | 4.4540% | 3,564 |
| Net charge-offs to loans | 0.2002% | 2,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.1176% | 2,408 |
| Efficiency ratio | 87.1365% | 1,406 |
| Assets per employee ($millions) | 3.3022% | 5,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 4,182 |
| Loan loss allowance to noncurrent loans | 46.7062% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 1.5848% | 2,882 |
| Noncurrent loans to loans | 3.0186% | 1,661 |
| Net loans and leases to total assets | 45.4972% | 5,490 |
| Net loans and leases to deposits | 56.0205% | 5,239 |
| Net loans and leases to core deposits | 59.0828% | 5,240 |
| Total domestic deposits to total assets | 81.2153% | 5,443 |
| Equity capital to assets | 10.6978% | 3,321 |
| Core capital (leverage) ratio | 9.4906% | 4,101 |
| Tier 1 risk-based capital ratio | 16.6925% | 2,907 |
| Total risk-based capital ratio | 17.9003% | 2,894 |
| Memoranda: | ||
| Average total assets | $220,101,000 | 2,870 |
| Average earning assets | $200,236,500 | 2,899 |
| Average equity | $23,350,000 | 2,871 |
| Average total loans | $101,882,500 | 3,465 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 5,151 |
| Cost of funding earning assets | 0.4308% | 5,714 |
| Net interest margin | 3.6174% | 4,013 |
| Noninterest income to average assets | 0.4999% | 3,901 |
| Noninterest expense to average assets | 4.0756% | 894 |
| Loan and lease loss provision to assets | 0.1408% | 3,849 |
| Net operating income to assets | -0.1204% | 6,300 |
| Return on assets (ROA) | 0.0544% | 6,225 |
| Pretax return on assets | -0.1605% | 6,400 |
| Return on Equity (ROE) | 0.4876% | 6,226 |
| Retained earnings to average equity (ytd only) | -3.5434% | 6,315 |
| Net charge-offs to loans | 0.4030% | 2,642 |
| Credit loss provision to net charge-offs | 69.7674% | 4,174 |
| Earnings coverage of net charge-offs (x) | -1.4512% | 5,800 |
| Efficiency ratio | 107.7429% | 375 |
| Assets per employee ($millions) | 3.0869% | 5,862 |
| Cash dividends to net income (ytd only)* | 826.7241% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 4,050 |
| Loan loss allowance to noncurrent loans | 50.1023% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 1.6881% | 2,866 |
| Noncurrent loans to loans | 2.8414% | 1,848 |
| Net loans and leases to total assets | 45.7664% | 5,639 |
| Net loans and leases to deposits | 56.4901% | 5,396 |
| Net loans and leases to core deposits | 59.7106% | 5,392 |
| Total domestic deposits to total assets | 81.0167% | 5,400 |
| Equity capital to assets | 10.5215% | 3,502 |
| Core capital (leverage) ratio | 9.6665% | 3,867 |
| Tier 1 risk-based capital ratio | 16.2415% | 3,029 |
| Total risk-based capital ratio | 17.4719% | 2,993 |
| Memoranda: | ||
| Average total assets | $213,046,400 | 2,897 |
| Average earning assets | $193,344,000 | 2,919 |
| Average equity | $23,791,000 | 2,766 |
| Average total loans | $106,710,400 | 3,360 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 4,962 |
| Cost of funding earning assets | 0.4609% | 5,719 |
| Net interest margin | 3.6953% | 3,820 |
| Noninterest income to average assets | 0.5156% | 3,825 |
| Noninterest expense to average assets | 3.6638% | 1,427 |
| Loan and lease loss provision to assets | 0.1297% | 3,933 |
| Net operating income to assets | 0.0854% | 6,147 |
| Return on assets (ROA) | 0.4498% | 5,285 |
| Pretax return on assets | 0.4391% | 5,624 |
| Return on Equity (ROE) | 3.9677% | 5,305 |
| Retained earnings to average equity (ytd only) | -0.9654% | 6,268 |
| Net charge-offs to loans | 0.1673% | 3,781 |
| Credit loss provision to net charge-offs | 151.8519% | 1,855 |
| Earnings coverage of net charge-offs (x) | 2.3926% | 4,082 |
| Efficiency ratio | 94.7170% | 732 |
| Assets per employee ($millions) | 2.7199% | 6,464 |
| Cash dividends to net income (ytd only)* | 124.3317% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5961% | 3,532 |
| Loan loss allowance to noncurrent loans | 41.6044% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 2.2204% | 2,409 |
| Noncurrent loans to loans | 3.8363% | 1,371 |
| Net loans and leases to total assets | 51.1564% | 5,163 |
| Net loans and leases to deposits | 63.1490% | 4,821 |
| Net loans and leases to core deposits | 67.0583% | 4,834 |
| Total domestic deposits to total assets | 81.0090% | 5,355 |
| Equity capital to assets | 11.8190% | 2,416 |
| Core capital (leverage) ratio | 10.5439% | 2,864 |
| Tier 1 risk-based capital ratio | 17.3028% | 2,606 |
| Total risk-based capital ratio | 18.5548% | 2,567 |
| Memoranda: | ||
| Average total assets | $210,743,250 | 2,948 |
| Average earning assets | $191,195,250 | 2,975 |
| Average equity | $23,892,500 | 2,782 |
| Average total loans | $107,590,750 | 3,377 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 5,149 |
| Cost of funding earning assets | 0.4821% | 5,741 |
| Net interest margin | 3.6619% | 3,983 |
| Noninterest income to average assets | 0.4778% | 4,074 |
| Noninterest expense to average assets | 3.6316% | 1,508 |
| Loan and lease loss provision to assets | 0.1683% | 3,424 |
| Net operating income to assets | 0.0598% | 6,240 |
| Return on assets (ROA) | 0.3375% | 5,692 |
| Pretax return on assets | 0.2796% | 5,993 |
| Return on Equity (ROE) | 3.0175% | 5,690 |
| Retained earnings to average equity (ytd only) | 2.3906% | 5,000 |
| Net charge-offs to loans | 0.2376% | 3,146 |
| Credit loss provision to net charge-offs | 139.5349% | 1,975 |
| Earnings coverage of net charge-offs (x) | 1.4109% | 4,298 |
| Efficiency ratio | 95.5239% | 725 |
| Assets per employee ($millions) | 2.8003% | 6,403 |
| Cash dividends to net income (ytd only)* | 20.7756% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 3,695 |
| Loan loss allowance to noncurrent loans | 40.9938% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 2.1450% | 2,615 |
| Noncurrent loans to loans | 3.8383% | 1,459 |
| Net loans and leases to total assets | 49.1434% | 5,463 |
| Net loans and leases to deposits | 61.5914% | 5,059 |
| Net loans and leases to core deposits | 65.1877% | 5,091 |
| Total domestic deposits to total assets | 79.7895% | 5,798 |
| Equity capital to assets | 11.5396% | 2,552 |
| Core capital (leverage) ratio | 10.4960% | 2,803 |
| Tier 1 risk-based capital ratio | 17.5731% | 2,450 |
| Total risk-based capital ratio | 18.8246% | 2,415 |
| Memoranda: | ||
| Average total assets | $213,901,330 | 2,937 |
| Average earning assets | $194,163,330 | 2,948 |
| Average equity | $23,927,330 | 2,774 |
| Average total loans | $108,577,000 | 3,364 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1593% | 5,248 |
| Cost of funding earning assets | 0.4962% | 5,843 |
| Net interest margin | 3.6631% | 3,992 |
| Noninterest income to average assets | 0.4466% | 4,315 |
| Noninterest expense to average assets | 3.7620% | 1,275 |
| Loan and lease loss provision to assets | 0.1853% | 3,121 |
| Net operating income to assets | -0.0982% | 6,538 |
| Return on assets (ROA) | 0.2891% | 5,863 |
| Pretax return on assets | 0.2113% | 6,178 |
| Return on Equity (ROE) | 2.6248% | 5,856 |
| Retained earnings to average equity (ytd only) | 2.6248% | 4,946 |
| Net charge-offs to loans | 0.3296% | 2,333 |
| Credit loss provision to net charge-offs | 109.8901% | 2,131 |
| Earnings coverage of net charge-offs (x) | 0.0549% | 4,340 |
| Efficiency ratio | 99.7543% | 562 |
| Assets per employee ($millions) | 2.9316% | 6,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4796% | 4,256 |
| Loan loss allowance to noncurrent loans | 40.6780% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 2.0319% | 2,852 |
| Noncurrent loans to loans | 3.6374% | 1,707 |
| Net loans and leases to total assets | 49.3537% | 5,388 |
| Net loans and leases to deposits | 59.7223% | 5,186 |
| Net loans and leases to core deposits | 65.7632% | 4,942 |
| Total domestic deposits to total assets | 82.6387% | 5,066 |
| Equity capital to assets | 10.9426% | 2,974 |
| Core capital (leverage) ratio | 10.2402% | 3,063 |
| Tier 1 risk-based capital ratio | 16.7943% | 2,761 |
| Total risk-based capital ratio | 18.0447% | 2,721 |
| Memoranda: | ||
| Average total assets | $215,840,000 | 2,934 |
| Average earning assets | $195,897,000 | 2,954 |
| Average equity | $23,773,000 | 2,787 |
| Average total loans | $110,434,000 | 3,346 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 5,595 |
| Cost of funding earning assets | 0.7271% | 5,358 |
| Net interest margin | 3.6256% | 4,630 |
| Noninterest income to average assets | 0.5953% | 3,191 |
| Noninterest expense to average assets | 3.3725% | 2,312 |
| Loan and lease loss provision to assets | 0.3356% | 3,011 |
| Net operating income to assets | 0.2601% | 5,399 |
| Return on assets (ROA) | 0.3430% | 5,255 |
| Pretax return on assets | 0.2662% | 5,642 |
| Return on Equity (ROE) | 3.1958% | 5,203 |
| Retained earnings to average equity (ytd only) | 2.5058% | 4,445 |
| Net charge-offs to loans | 0.8826% | 1,974 |
| Credit loss provision to net charge-offs | 71.9246% | 4,779 |
| Earnings coverage of net charge-offs (x) | 1.1121% | 4,952 |
| Efficiency ratio | 86.6659% | 1,483 |
| Assets per employee ($millions) | 2.8632% | 6,349 |
| Cash dividends to net income (ytd only)* | 21.5924% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 4,351 |
| Loan loss allowance to noncurrent loans | 36.1111% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 2.3787% | 2,546 |
| Noncurrent loans to loans | 3.9468% | 1,586 |
| Net loans and leases to total assets | 51.5009% | 5,386 |
| Net loans and leases to deposits | 63.4423% | 5,070 |
| Net loans and leases to core deposits | 69.8177% | 4,800 |
| Total domestic deposits to total assets | 81.1775% | 5,395 |
| Equity capital to assets | 11.0865% | 2,907 |
| Core capital (leverage) ratio | 10.3185% | 2,947 |
| Tier 1 risk-based capital ratio | 16.4992% | 2,821 |
| Total risk-based capital ratio | 17.7493% | 2,788 |
| Memoranda: | ||
| Average total assets | $216,042,800 | 2,882 |
| Average earning assets | $196,408,200 | 2,898 |
| Average equity | $23,186,400 | 2,758 |
| Average total loans | $114,210,200 | 3,289 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3827% | 5,663 |
| Cost of funding earning assets | 0.7920% | 5,195 |
| Net interest margin | 3.5908% | 4,809 |
| Noninterest income to average assets | 0.5977% | 3,170 |
| Noninterest expense to average assets | 3.3146% | 2,449 |
| Loan and lease loss provision to assets | 0.0770% | 5,481 |
| Net operating income to assets | 0.4435% | 4,810 |
| Return on assets (ROA) | 0.4874% | 4,787 |
| Pretax return on assets | 0.5127% | 5,126 |
| Return on Equity (ROE) | 4.5792% | 4,732 |
| Retained earnings to average equity (ytd only) | 4.1450% | 3,782 |
| Net charge-offs to loans | 0.1523% | 4,549 |
| Credit loss provision to net charge-offs | 95.4198% | 3,587 |
| Earnings coverage of net charge-offs (x) | 6.7329% | 2,499 |
| Efficiency ratio | 85.9128% | 1,540 |
| Assets per employee ($millions) | 2.7490% | 6,577 |
| Cash dividends to net income (ytd only)* | 9.4819% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6634% | 3,403 |
| Loan loss allowance to noncurrent loans | 36.4413% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 2.7388% | 2,370 |
| Noncurrent loans to loans | 4.5645% | 1,416 |
| Net loans and leases to total assets | 53.0841% | 5,307 |
| Net loans and leases to deposits | 64.8382% | 5,068 |
| Net loans and leases to core deposits | 67.9769% | 5,181 |
| Total domestic deposits to total assets | 81.8717% | 5,142 |
| Equity capital to assets | 11.5313% | 2,650 |
| Core capital (leverage) ratio | 10.6264% | 2,730 |
| Tier 1 risk-based capital ratio | 16.8795% | 2,683 |
| Total risk-based capital ratio | 18.1327% | 2,654 |
| Memoranda: | ||
| Average total assets | $216,369,000 | 2,888 |
| Average earning assets | $196,462,750 | 2,911 |
| Average equity | $23,031,250 | 2,776 |
| Average total loans | $114,715,000 | 3,305 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3749% | 5,776 |
| Cost of funding earning assets | 0.8700% | 4,904 |
| Net interest margin | 3.5049% | 5,143 |
| Noninterest income to average assets | 0.5657% | 3,366 |
| Noninterest expense to average assets | 3.3046% | 2,545 |
| Loan and lease loss provision to assets | 0.0548% | 5,632 |
| Net operating income to assets | 0.4076% | 4,908 |
| Return on assets (ROA) | 0.4478% | 4,870 |
| Pretax return on assets | 0.4387% | 5,268 |
| Return on Equity (ROE) | 4.3214% | 4,781 |
| Retained earnings to average equity (ytd only) | 3.6600% | 3,896 |
| Net charge-offs to loans | 0.1387% | 4,364 |
| Credit loss provision to net charge-offs | 75.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 2,443 |
| Efficiency ratio | 87.9377% | 1,419 |
| Assets per employee ($millions) | 2.7760% | 6,509 |
| Cash dividends to net income (ytd only)* | 15.3061% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6378% | 3,543 |
| Loan loss allowance to noncurrent loans | 43.7706% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 2.4956% | 2,671 |
| Noncurrent loans to loans | 3.7418% | 1,875 |
| Net loans and leases to total assets | 53.0056% | 5,436 |
| Net loans and leases to deposits | 69.8960% | 4,455 |
| Net loans and leases to core deposits | 74.2456% | 4,550 |
| Total domestic deposits to total assets | 75.8349% | 6,620 |
| Equity capital to assets | 11.0947% | 2,862 |
| Core capital (leverage) ratio | 10.0279% | 3,231 |
| Tier 1 risk-based capital ratio | 16.5685% | 2,710 |
| Total risk-based capital ratio | 17.8214% | 2,663 |
| Memoranda: | ||
| Average total assets | $218,849,670 | 2,873 |
| Average earning assets | $199,321,000 | 2,880 |
| Average equity | $22,677,670 | 2,795 |
| Average total loans | $115,359,000 | 3,332 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 6,026 |
| Cost of funding earning assets | 0.9189% | 4,784 |
| Net interest margin | 3.3784% | 5,513 |
| Noninterest income to average assets | 0.5261% | 3,681 |
| Noninterest expense to average assets | 3.2138% | 2,853 |
| Loan and lease loss provision to assets | 0.0718% | 5,107 |
| Net operating income to assets | 0.3663% | 5,092 |
| Return on assets (ROA) | 0.3663% | 5,176 |
| Pretax return on assets | 0.3232% | 5,586 |
| Return on Equity (ROE) | 3.6571% | 5,067 |
| Retained earnings to average equity (ytd only) | 3.6571% | 3,981 |
| Net charge-offs to loans | 0.3443% | 2,683 |
| Credit loss provision to net charge-offs | 40.0000% | 3,945 |
| Earnings coverage of net charge-offs (x) | 2.2000% | 3,215 |
| Efficiency ratio | 89.0547% | 1,414 |
| Assets per employee ($millions) | 2.9038% | 6,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 3,819 |
| Loan loss allowance to noncurrent loans | 40.5339% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 2.5162% | 2,718 |
| Noncurrent loans to loans | 3.8981% | 1,885 |
| Net loans and leases to total assets | 51.4262% | 5,658 |
| Net loans and leases to deposits | 70.7133% | 4,234 |
| Net loans and leases to core deposits | 74.7371% | 4,456 |
| Total domestic deposits to total assets | 72.7250% | 7,020 |
| Equity capital to assets | 10.2583% | 3,461 |
| Core capital (leverage) ratio | 9.5865% | 3,674 |
| Tier 1 risk-based capital ratio | 15.9064% | 2,949 |
| Total risk-based capital ratio | 17.1580% | 2,921 |
| Memoranda: | ||
| Average total assets | $222,787,500 | 2,850 |
| Average earning assets | $203,290,000 | 2,854 |
| Average equity | $22,313,000 | 2,828 |
| Average total loans | $116,193,500 | 3,335 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6463% | 5,967 |
| Cost of funding earning assets | 1.1414% | 4,901 |
| Net interest margin | 3.5050% | 5,226 |
| Noninterest income to average assets | 0.6949% | 2,867 |
| Noninterest expense to average assets | 3.3764% | 2,506 |
| Loan and lease loss provision to assets | 0.4928% | 3,195 |
| Net operating income to assets | 0.1285% | 5,517 |
| Return on assets (ROA) | 0.2557% | 5,244 |
| Pretax return on assets | 0.1621% | 5,568 |
| Return on Equity (ROE) | 2.4191% | 5,211 |
| Retained earnings to average equity (ytd only) | -3.5749% | 6,164 |
| Net charge-offs to loans | 0.9520% | 2,279 |
| Credit loss provision to net charge-offs | 96.1879% | 4,827 |
| Earnings coverage of net charge-offs (x) | 1.0301% | 5,084 |
| Efficiency ratio | 86.4821% | 1,638 |
| Assets per employee ($millions) | 2.9206% | 6,271 |
| Cash dividends to net income (ytd only)* | 247.7798% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 3,543 |
| Loan loss allowance to noncurrent loans | 36.9745% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 2.7525% | 2,536 |
| Noncurrent loans to loans | 4.3477% | 1,658 |
| Net loans and leases to total assets | 51.2220% | 6,021 |
| Net loans and leases to deposits | 70.3792% | 4,771 |
| Net loans and leases to core deposits | 74.2569% | 4,945 |
| Total domestic deposits to total assets | 72.7800% | 7,017 |
| Equity capital to assets | 9.7770% | 4,024 |
| Core capital (leverage) ratio | 9.2672% | 4,077 |
| Tier 1 risk-based capital ratio | 15.5527% | 2,977 |
| Total risk-based capital ratio | 16.8049% | 2,936 |
| Memoranda: | ||
| Average total assets | $220,177,600 | 2,863 |
| Average earning assets | $201,600,200 | 2,854 |
| Average equity | $23,273,400 | 2,726 |
| Average total loans | $118,485,200 | 3,347 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7231% | 5,938 |
| Cost of funding earning assets | 1.1667% | 5,050 |
| Net interest margin | 3.5565% | 5,078 |
| Noninterest income to average assets | 0.7306% | 2,638 |
| Noninterest expense to average assets | 3.3405% | 2,455 |
| Loan and lease loss provision to assets | 0.3866% | 3,573 |
| Net operating income to assets | 0.2137% | 5,469 |
| Return on assets (ROA) | 0.3081% | 5,310 |
| Pretax return on assets | 0.3775% | 5,293 |
| Return on Equity (ROE) | 2.8593% | 5,278 |
| Retained earnings to average equity (ytd only) | -4.5432% | 6,519 |
| Net charge-offs to loans | 0.8224% | 2,395 |
| Credit loss provision to net charge-offs | 86.6303% | 4,896 |
| Earnings coverage of net charge-offs (x) | 1.4543% | 4,639 |
| Efficiency ratio | 83.7326% | 1,863 |
| Assets per employee ($millions) | 2.7961% | 6,592 |
| Cash dividends to net income (ytd only)* | 258.8928% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 3,745 |
| Loan loss allowance to noncurrent loans | 33.2726% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 2.7766% | 2,610 |
| Noncurrent loans to loans | 4.6490% | 1,532 |
| Net loans and leases to total assets | 53.9817% | 5,852 |
| Net loans and leases to deposits | 71.6277% | 4,887 |
| Net loans and leases to core deposits | 75.7106% | 5,092 |
| Total domestic deposits to total assets | 75.3643% | 6,761 |
| Equity capital to assets | 10.7535% | 3,223 |
| Core capital (leverage) ratio | 9.7161% | 3,601 |
| Tier 1 risk-based capital ratio | 15.4730% | 3,012 |
| Total risk-based capital ratio | 16.7246% | 2,980 |
| Memoranda: | ||
| Average total assets | $219,000,500 | 2,934 |
| Average earning assets | $200,680,500 | 2,907 |
| Average equity | $23,595,000 | 2,739 |
| Average total loans | $118,838,250 | 3,390 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7983% | 5,807 |
| Cost of funding earning assets | 1.1788% | 5,244 |
| Net interest margin | 3.6195% | 4,735 |
| Noninterest income to average assets | 0.7274% | 2,535 |
| Noninterest expense to average assets | 3.2620% | 2,687 |
| Loan and lease loss provision to assets | 0.0272% | 6,672 |
| Net operating income to assets | 0.6317% | 3,728 |
| Return on assets (ROA) | 0.6820% | 3,624 |
| Pretax return on assets | 0.8164% | 3,823 |
| Return on Equity (ROE) | 6.3262% | 3,635 |
| Retained earnings to average equity (ytd only) | 5.6102% | 2,550 |
| Net charge-offs to loans | 0.2351% | 4,196 |
| Credit loss provision to net charge-offs | 21.4286% | 5,838 |
| Earnings coverage of net charge-offs (x) | 6.1643% | 2,514 |
| Efficiency ratio | 80.6285% | 2,351 |
| Assets per employee ($millions) | 2.7709% | 6,636 |
| Cash dividends to net income (ytd only)* | 11.3182% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5376% | 3,724 |
| Loan loss allowance to noncurrent loans | 40.3423% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 2.2362% | 3,217 |
| Noncurrent loans to loans | 3.8114% | 2,023 |
| Net loans and leases to total assets | 52.4310% | 6,168 |
| Net loans and leases to deposits | 71.3941% | 5,089 |
| Net loans and leases to core deposits | 75.3135% | 5,277 |
| Total domestic deposits to total assets | 73.4389% | 7,046 |
| Equity capital to assets | 10.9499% | 2,919 |
| Core capital (leverage) ratio | 10.6682% | 2,483 |
| Tier 1 risk-based capital ratio | 17.2046% | 2,200 |
| Total risk-based capital ratio | 18.4569% | 2,162 |
| Memoranda: | ||
| Average total assets | $220,235,000 | 2,935 |
| Average earning assets | $201,905,670 | 2,920 |
| Average equity | $23,742,670 | 2,717 |
| Average total loans | $119,102,000 | 3,418 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8934% | 5,492 |
| Cost of funding earning assets | 1.2159% | 5,306 |
| Net interest margin | 3.6775% | 4,359 |
| Noninterest income to average assets | 0.5102% | 3,974 |
| Noninterest expense to average assets | 3.3346% | 2,413 |
| Loan and lease loss provision to assets | 0.0547% | 6,111 |
| Net operating income to assets | 0.4413% | 4,657 |
| Return on assets (ROA) | 0.5430% | 4,301 |
| Pretax return on assets | 0.6013% | 4,598 |
| Return on Equity (ROE) | 5.0772% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.0772% | 3,117 |
| Net charge-offs to loans | 0.3845% | 2,891 |
| Credit loss provision to net charge-offs | 26.0870% | 4,870 |
| Earnings coverage of net charge-offs (x) | 2.5913% | 3,237 |
| Efficiency ratio | 85.9962% | 1,796 |
| Assets per employee ($millions) | 2.9528% | 6,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 3,705 |
| Loan loss allowance to noncurrent loans | 26.2632% | 6,649 |
| Noncurrent assets plus other real estate owned to assets | 3.4641% | 2,037 |
| Noncurrent loans to loans | 5.8595% | 1,137 |
| Net loans and leases to total assets | 54.6163% | 5,939 |
| Net loans and leases to deposits | 72.8972% | 4,928 |
| Net loans and leases to core deposits | 77.8498% | 5,039 |
| Total domestic deposits to total assets | 74.9224% | 6,916 |
| Equity capital to assets | 10.9969% | 2,766 |
| Core capital (leverage) ratio | 10.4528% | 2,667 |
| Tier 1 risk-based capital ratio | 17.1421% | 2,223 |
| Total risk-based capital ratio | 18.3947% | 2,173 |
| Memoranda: | ||
| Average total assets | $219,515,500 | 2,995 |
| Average earning assets | $201,004,500 | 2,980 |
| Average equity | $23,477,500 | 2,771 |
| Average total loans | $119,632,500 | 3,467 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0880% | 6,134 |
| Cost of funding earning assets | 1.8073% | 3,950 |
| Net interest margin | 3.2807% | 5,817 |
| Noninterest income to average assets | 0.5377% | 4,122 |
| Noninterest expense to average assets | 3.4048% | 2,666 |
| Loan and lease loss provision to assets | 0.3199% | 4,899 |
| Net operating income to assets | -0.0599% | 5,601 |
| Return on assets (ROA) | 0.1638% | 5,083 |
| Pretax return on assets | 0.0245% | 5,377 |
| Return on Equity (ROE) | 1.5771% | 5,060 |
| Retained earnings to average equity (ytd only) | 0.7121% | 4,510 |
| Net charge-offs to loans | 0.4128% | 4,162 |
| Credit loss provision to net charge-offs | 144.4672% | 3,304 |
| Earnings coverage of net charge-offs (x) | 0.5451% | 5,566 |
| Efficiency ratio | 96.5761% | 1,290 |
| Assets per employee ($millions) | 2.9405% | 6,365 |
| Cash dividends to net income (ytd only)* | 54.8476% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 3,254 |
| Loan loss allowance to noncurrent loans | 25.5678% | 6,760 |
| Noncurrent assets plus other real estate owned to assets | 3.3690% | 2,019 |
| Noncurrent loans to loans | 6.2899% | 970 |
| Net loans and leases to total assets | 52.7000% | 6,342 |
| Net loans and leases to deposits | 70.2378% | 5,575 |
| Net loans and leases to core deposits | 90.0537% | 5,121 |
| Total domestic deposits to total assets | 75.0309% | 6,861 |
| Equity capital to assets | 10.4041% | 3,280 |
| Core capital (leverage) ratio | 9.9165% | 3,175 |
| Tier 1 risk-based capital ratio | 16.5659% | 2,286 |
| Total risk-based capital ratio | 17.8190% | 2,236 |
| Memoranda: | ||
| Average total assets | $220,368,200 | 2,936 |
| Average earning assets | $200,689,000 | 2,958 |
| Average equity | $22,889,400 | 2,841 |
| Average total loans | $118,225,400 | 3,519 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1240% | 6,190 |
| Cost of funding earning assets | 1.9605% | 3,564 |
| Net interest margin | 3.1635% | 6,134 |
| Noninterest income to average assets | 0.5040% | 4,450 |
| Noninterest expense to average assets | 3.2696% | 3,034 |
| Loan and lease loss provision to assets | 0.1579% | 5,773 |
| Net operating income to assets | 0.0146% | 5,679 |
| Return on assets (ROA) | 0.2969% | 4,907 |
| Pretax return on assets | 0.2344% | 5,217 |
| Return on Equity (ROE) | 2.8597% | 4,853 |
| Retained earnings to average equity (ytd only) | 2.2749% | 4,059 |
| Net charge-offs to loans | 0.3609% | 3,844 |
| Credit loss provision to net charge-offs | 81.5047% | 5,718 |
| Earnings coverage of net charge-offs (x) | 0.5674% | 5,465 |
| Efficiency ratio | 96.7481% | 1,231 |
| Assets per employee ($millions) | 2.8913% | 6,431 |
| Cash dividends to net income (ytd only)* | 20.4500% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 3,982 |
| Loan loss allowance to noncurrent loans | 23.3140% | 6,886 |
| Noncurrent assets plus other real estate owned to assets | 3.1606% | 2,153 |
| Noncurrent loans to loans | 5.9795% | 991 |
| Net loans and leases to total assets | 51.7184% | 6,628 |
| Net loans and leases to deposits | 71.3889% | 5,752 |
| Net loans and leases to core deposits | 93.0513% | 5,127 |
| Total domestic deposits to total assets | 72.4461% | 7,156 |
| Equity capital to assets | 10.4099% | 3,604 |
| Core capital (leverage) ratio | 10.4216% | 2,858 |
| Tier 1 risk-based capital ratio | 16.8232% | 2,326 |
| Total risk-based capital ratio | 18.0735% | 2,280 |
| Memoranda: | ||
| Average total assets | $219,590,250 | 2,962 |
| Average earning assets | $199,602,750 | 2,991 |
| Average equity | $22,799,000 | 2,876 |
| Average total loans | $117,857,000 | 3,559 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2423% | 5,906 |
| Cost of funding earning assets | 2.1988% | 2,797 |
| Net interest margin | 3.0435% | 6,421 |
| Noninterest income to average assets | 0.4899% | 4,535 |
| Noninterest expense to average assets | 3.3059% | 2,933 |
| Loan and lease loss provision to assets | 0.0827% | 6,351 |
| Net operating income to assets | -0.0983% | 6,004 |
| Return on assets (ROA) | 0.3290% | 4,883 |
| Pretax return on assets | 0.2803% | 5,248 |
| Return on Equity (ROE) | 3.1719% | 4,835 |
| Retained earnings to average equity (ytd only) | 2.5074% | 3,936 |
| Net charge-offs to loans | 0.2566% | 3,910 |
| Credit loss provision to net charge-offs | 59.6026% | 5,597 |
| Earnings coverage of net charge-offs (x) | -0.4636% | 6,057 |
| Efficiency ratio | 101.9847% | 1,095 |
| Assets per employee ($millions) | 2.5848% | 7,084 |
| Cash dividends to net income (ytd only)* | 20.9497% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 3,520 |
| Loan loss allowance to noncurrent loans | 22.3231% | 7,002 |
| Noncurrent assets plus other real estate owned to assets | 3.5928% | 1,724 |
| Noncurrent loans to loans | 6.4521% | 822 |
| Net loans and leases to total assets | 53.8309% | 6,474 |
| Net loans and leases to deposits | 70.3985% | 5,937 |
| Net loans and leases to core deposits | 88.9119% | 5,644 |
| Total domestic deposits to total assets | 76.4660% | 6,447 |
| Equity capital to assets | 10.7038% | 3,202 |
| Core capital (leverage) ratio | 10.4212% | 2,884 |
| Tier 1 risk-based capital ratio | 17.3306% | 2,202 |
| Total risk-based capital ratio | 18.5815% | 2,142 |
| Memoranda: | ||
| Average total assets | $217,612,000 | 3,008 |
| Average earning assets | $196,745,330 | 3,043 |
| Average equity | $22,573,000 | 2,905 |
| Average total loans | $117,713,670 | 3,586 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3946% | 5,452 |
| Cost of funding earning assets | 2.2913% | 2,741 |
| Net interest margin | 3.1032% | 6,188 |
| Noninterest income to average assets | 0.4780% | 4,524 |
| Noninterest expense to average assets | 3.2092% | 2,948 |
| Loan and lease loss provision to assets | 0.0812% | 5,926 |
| Net operating income to assets | 0.0722% | 6,059 |
| Return on assets (ROA) | 0.2237% | 5,748 |
| Pretax return on assets | 0.1317% | 6,096 |
| Return on Equity (ROE) | 2.1894% | 5,710 |
| Retained earnings to average equity (ytd only) | 2.1894% | 4,657 |
| Net charge-offs to loans | 0.2211% | 3,313 |
| Credit loss provision to net charge-offs | 68.1818% | 4,385 |
| Earnings coverage of net charge-offs (x) | 0.5152% | 4,575 |
| Efficiency ratio | 98.1247% | 1,210 |
| Assets per employee ($millions) | 2.7822% | 6,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4416% | 3,277 |
| Loan loss allowance to noncurrent loans | 22.2266% | 7,051 |
| Noncurrent assets plus other real estate owned to assets | 3.5438% | 1,511 |
| Noncurrent loans to loans | 6.4858% | 686 |
| Net loans and leases to total assets | 52.4750% | 6,632 |
| Net loans and leases to deposits | 69.4952% | 6,027 |
| Net loans and leases to core deposits | 88.2652% | 5,710 |
| Total domestic deposits to total assets | 75.5089% | 6,601 |
| Equity capital to assets | 10.3265% | 3,628 |
| Core capital (leverage) ratio | 10.0984% | 3,291 |
| Tier 1 risk-based capital ratio | 16.7413% | 2,428 |
| Total risk-based capital ratio | 17.9927% | 2,358 |
| Memoranda: | ||
| Average total assets | $221,735,500 | 2,965 |
| Average earning assets | $199,534,000 | 3,019 |
| Average equity | $22,654,500 | 2,902 |
| Average total loans | $119,395,500 | 3,575 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3194% | 3,860 |
| Cost of funding earning assets | 2.6789% | 3,263 |
| Net interest margin | 3.6405% | 4,720 |
| Noninterest income to average assets | 0.5056% | 4,580 |
| Noninterest expense to average assets | 3.2573% | 3,130 |
| Loan and lease loss provision to assets | 0.4404% | 3,090 |
| Net operating income to assets | 0.1556% | 5,971 |
| Return on assets (ROA) | 0.3603% | 5,114 |
| Pretax return on assets | 0.2994% | 5,514 |
| Return on Equity (ROE) | 3.4362% | 5,069 |
| Retained earnings to average equity (ytd only) | 2.6944% | 3,503 |
| Net charge-offs to loans | 1.1598% | 1,045 |
| Credit loss provision to net charge-offs | 66.3373% | 6,134 |
| Earnings coverage of net charge-offs (x) | 0.8059% | 5,750 |
| Efficiency ratio | 85.8908% | 1,860 |
| Assets per employee ($millions) | 2.7278% | 6,724 |
| Cash dividends to net income (ytd only)* | 21.5865% | 4,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 3,176 |
| Loan loss allowance to noncurrent loans | 43.5270% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 1.7543% | 2,787 |
| Noncurrent loans to loans | 3.2225% | 1,625 |
| Net loans and leases to total assets | 53.6752% | 6,687 |
| Net loans and leases to deposits | 71.6167% | 6,100 |
| Net loans and leases to core deposits | 90.7626% | 5,739 |
| Total domestic deposits to total assets | 74.9478% | 6,463 |
| Equity capital to assets | 10.1092% | 3,910 |
| Core capital (leverage) ratio | 10.0926% | 3,364 |
| Tier 1 risk-based capital ratio | 16.3032% | 2,552 |
| Total risk-based capital ratio | 17.5543% | 2,491 |
| Memoranda: | ||
| Average total assets | $213,428,200 | 2,960 |
| Average earning assets | $192,693,600 | 2,998 |
| Average equity | $22,379,400 | 2,926 |
| Average total loans | $122,178,000 | 3,416 |