Home > First National Bank of Northern California > Performance and Condition Ratios
First National Bank of Northern California, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2844% | 2,817 |
| Cost of funding earning assets | 0.3990% | 3,725 |
| Net interest margin | 3.8854% | 2,259 |
| Noninterest income to average assets | 0.3209% | 4,038 |
| Noninterest expense to average assets | 2.1578% | 4,471 |
| Loan and lease loss provision to assets | -0.0636% | 5,391 |
| Net operating income to assets | 1.4365% | 1,323 |
| Return on assets (ROA) | 1.4365% | 1,323 |
| Pretax return on assets | 1.8862% | 799 |
| Return on Equity (ROE) | 14.9531% | 862 |
| Retained earnings to average equity (ytd only) | 5.9618% | 2,581 |
| Net charge-offs to loans | -0.1029% | 5,168 |
| Credit loss provision to net charge-offs | 92.2197% | 2,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9493% | 4,697 |
| Assets per employee ($millions) | 7.9655% | 633 |
| Cash dividends to net income (ytd only)* | 60.1297% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 2,842 |
| Loan loss allowance to noncurrent loans | 758.7361% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 4,463 |
| Noncurrent loans to loans | 0.1553% | 4,209 |
| Net loans and leases to total assets | 67.1501% | 2,993 |
| Net loans and leases to deposits | 87.1991% | 2,190 |
| Net loans and leases to core deposits | 92.0813% | 2,392 |
| Total domestic deposits to total assets | 77.0078% | 4,734 |
| Equity capital to assets | 9.5569% | 4,045 |
| Core capital (leverage) ratio | 9.5298% | 4,084 |
| Tier 1 risk-based capital ratio | 11.9107% | 4,557 |
| Total risk-based capital ratio | 12.9343% | 4,577 |
| Memoranda: | ||
| Average total assets | $1,266,552,000 | 617 |
| Average earning assets | $1,192,928,000 | 601 |
| Average equity | $121,674,000 | 705 |
| Average total loans | $849,064,000 | 647 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 2,801 |
| Cost of funding earning assets | 0.3653% | 3,873 |
| Net interest margin | 3.8602% | 2,194 |
| Noninterest income to average assets | 0.3909% | 3,532 |
| Noninterest expense to average assets | 2.1309% | 4,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3712% | 1,419 |
| Return on assets (ROA) | 1.3712% | 1,433 |
| Pretax return on assets | 1.8955% | 733 |
| Return on Equity (ROE) | 14.2356% | 957 |
| Retained earnings to average equity (ytd only) | 11.0254% | 890 |
| Net charge-offs to loans | -0.0067% | 4,104 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6635% | 4,911 |
| Assets per employee ($millions) | 7.5431% | 753 |
| Cash dividends to net income (ytd only)* | 22.5508% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 2,746 |
| Loan loss allowance to noncurrent loans | 269.8728% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 3,071 |
| Noncurrent loans to loans | 0.4486% | 3,193 |
| Net loans and leases to total assets | 65.9720% | 3,034 |
| Net loans and leases to deposits | 81.4435% | 2,636 |
| Net loans and leases to core deposits | 86.2982% | 2,776 |
| Total domestic deposits to total assets | 81.0034% | 4,204 |
| Equity capital to assets | 9.6948% | 3,889 |
| Core capital (leverage) ratio | 9.5013% | 4,066 |
| Tier 1 risk-based capital ratio | 12.0668% | 4,515 |
| Total risk-based capital ratio | 13.1045% | 4,530 |
| Memoranda: | ||
| Average total assets | $1,262,587,000 | 624 |
| Average earning assets | $1,189,051,500 | 607 |
| Average equity | $121,610,500 | 707 |
| Average total loans | $840,585,500 | 651 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2675% | 2,440 |
| Cost of funding earning assets | 0.3108% | 4,032 |
| Net interest margin | 3.9567% | 1,893 |
| Noninterest income to average assets | 0.2918% | 4,374 |
| Noninterest expense to average assets | 2.4171% | 4,029 |
| Loan and lease loss provision to assets | -0.0288% | 5,350 |
| Net operating income to assets | 0.8880% | 2,778 |
| Return on assets (ROA) | 0.8988% | 2,751 |
| Pretax return on assets | 1.6429% | 1,183 |
| Return on Equity (ROE) | 9.4508% | 2,115 |
| Retained earnings to average equity (ytd only) | 6.3972% | 1,333 |
| Net charge-offs to loans | -0.0443% | 5,153 |
| Credit loss provision to net charge-offs | 98.9011% | 2,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8705% | 4,290 |
| Assets per employee ($millions) | 7.5777% | 742 |
| Cash dividends to net income (ytd only)* | 32.3103% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 2,707 |
| Loan loss allowance to noncurrent loans | 524.2784% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 3,203 |
| Noncurrent loans to loans | 0.2310% | 3,981 |
| Net loans and leases to total assets | 65.5695% | 3,152 |
| Net loans and leases to deposits | 78.8570% | 3,027 |
| Net loans and leases to core deposits | 83.8305% | 3,066 |
| Total domestic deposits to total assets | 83.1500% | 3,512 |
| Equity capital to assets | 9.5692% | 4,169 |
| Core capital (leverage) ratio | 9.2327% | 4,363 |
| Tier 1 risk-based capital ratio | 11.7502% | 4,685 |
| Total risk-based capital ratio | 12.7879% | 4,723 |
| Memoranda: | ||
| Average total assets | $1,250,734,000 | 608 |
| Average earning assets | $1,176,728,000 | 596 |
| Average equity | $118,942,600 | 695 |
| Average total loans | $821,591,800 | 639 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2259% | 2,529 |
| Cost of funding earning assets | 0.3012% | 4,113 |
| Net interest margin | 3.9247% | 1,953 |
| Noninterest income to average assets | 0.2977% | 4,404 |
| Noninterest expense to average assets | 2.4216% | 3,960 |
| Loan and lease loss provision to assets | -0.0150% | 5,469 |
| Net operating income to assets | 1.0749% | 2,203 |
| Return on assets (ROA) | 1.0901% | 2,189 |
| Pretax return on assets | 1.6064% | 1,397 |
| Return on Equity (ROE) | 11.4813% | 1,497 |
| Retained earnings to average equity (ytd only) | 8.4725% | 1,027 |
| Net charge-offs to loans | -0.0364% | 5,065 |
| Credit loss provision to net charge-offs | 62.7803% | 2,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3124% | 4,162 |
| Assets per employee ($millions) | 7.6670% | 710 |
| Cash dividends to net income (ytd only)* | 26.2064% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 2,795 |
| Loan loss allowance to noncurrent loans | 147.6520% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.6610% | 2,522 |
| Noncurrent loans to loans | 0.8271% | 2,298 |
| Net loans and leases to total assets | 65.1441% | 3,224 |
| Net loans and leases to deposits | 79.1883% | 3,048 |
| Net loans and leases to core deposits | 83.6011% | 3,168 |
| Total domestic deposits to total assets | 82.2649% | 3,694 |
| Equity capital to assets | 9.6787% | 4,269 |
| Core capital (leverage) ratio | 9.3230% | 4,380 |
| Tier 1 risk-based capital ratio | 11.7799% | 4,786 |
| Total risk-based capital ratio | 12.8291% | 4,791 |
| Memoranda: | ||
| Average total assets | $1,247,048,750 | 612 |
| Average earning assets | $1,173,405,000 | 597 |
| Average equity | $118,404,250 | 696 |
| Average total loans | $817,005,500 | 646 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1886% | 2,517 |
| Cost of funding earning assets | 0.2871% | 4,217 |
| Net interest margin | 3.9015% | 1,923 |
| Noninterest income to average assets | 0.3021% | 4,375 |
| Noninterest expense to average assets | 2.4294% | 3,969 |
| Loan and lease loss provision to assets | -0.0226% | 5,568 |
| Net operating income to assets | 1.0792% | 2,086 |
| Return on assets (ROA) | 1.0960% | 2,057 |
| Pretax return on assets | 1.5906% | 1,378 |
| Return on Equity (ROE) | 11.6204% | 1,417 |
| Retained earnings to average equity (ytd only) | 8.6909% | 941 |
| Net charge-offs to loans | -0.0371% | 5,041 |
| Credit loss provision to net charge-offs | 93.3333% | 2,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7609% | 4,201 |
| Assets per employee ($millions) | 7.0718% | 899 |
| Cash dividends to net income (ytd only)* | 25.2100% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 2,738 |
| Loan loss allowance to noncurrent loans | 138.0681% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.7054% | 2,452 |
| Noncurrent loans to loans | 0.9003% | 2,176 |
| Net loans and leases to total assets | 64.5928% | 3,301 |
| Net loans and leases to deposits | 78.9280% | 3,029 |
| Net loans and leases to core deposits | 83.2254% | 3,152 |
| Total domestic deposits to total assets | 81.8377% | 3,931 |
| Equity capital to assets | 9.6481% | 4,278 |
| Core capital (leverage) ratio | 9.1782% | 4,517 |
| Tier 1 risk-based capital ratio | 11.7253% | 4,825 |
| Total risk-based capital ratio | 12.7848% | 4,832 |
| Memoranda: | ||
| Average total assets | $1,238,493,000 | 615 |
| Average earning assets | $1,165,298,000 | 603 |
| Average equity | $116,811,670 | 706 |
| Average total loans | $809,557,330 | 652 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1489% | 2,476 |
| Cost of funding earning assets | 0.2698% | 4,358 |
| Net interest margin | 3.8791% | 1,855 |
| Noninterest income to average assets | 0.3189% | 4,271 |
| Noninterest expense to average assets | 2.4187% | 4,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0646% | 2,011 |
| Return on assets (ROA) | 1.0709% | 2,024 |
| Pretax return on assets | 1.5605% | 1,337 |
| Return on Equity (ROE) | 11.4878% | 1,406 |
| Retained earnings to average equity (ytd only) | 8.6211% | 1,227 |
| Net charge-offs to loans | 0.0114% | 2,592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 207.7391% | 268 |
| Efficiency ratio | 60.5300% | 4,395 |
| Assets per employee ($millions) | 7.2365% | 846 |
| Cash dividends to net income (ytd only)* | 24.9545% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 2,884 |
| Loan loss allowance to noncurrent loans | 120.1326% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.7943% | 2,315 |
| Noncurrent loans to loans | 1.0331% | 1,991 |
| Net loans and leases to total assets | 64.8512% | 3,139 |
| Net loans and leases to deposits | 78.6087% | 2,905 |
| Net loans and leases to core deposits | 82.3293% | 3,062 |
| Total domestic deposits to total assets | 82.4988% | 4,014 |
| Equity capital to assets | 9.3830% | 4,407 |
| Core capital (leverage) ratio | 9.1174% | 4,590 |
| Tier 1 risk-based capital ratio | 11.5383% | 5,006 |
| Total risk-based capital ratio | 12.6021% | 5,020 |
| Memoranda: | ||
| Average total assets | $1,231,889,500 | 623 |
| Average earning assets | $1,159,544,000 | 610 |
| Average equity | $114,835,000 | 719 |
| Average total loans | $804,993,500 | 659 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 2,609 |
| Cost of funding earning assets | 0.2604% | 4,460 |
| Net interest margin | 3.9050% | 1,950 |
| Noninterest income to average assets | 0.3575% | 4,184 |
| Noninterest expense to average assets | 2.6280% | 3,594 |
| Loan and lease loss provision to assets | 0.0129% | 4,119 |
| Net operating income to assets | 0.9089% | 2,774 |
| Return on assets (ROA) | 0.9338% | 2,766 |
| Pretax return on assets | 1.4236% | 1,847 |
| Return on Equity (ROE) | 9.6161% | 2,140 |
| Retained earnings to average equity (ytd only) | 7.0566% | 1,209 |
| Net charge-offs to loans | -0.0063% | 4,847 |
| Credit loss provision to net charge-offs | -319.1489% | 5,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8201% | 3,795 |
| Assets per employee ($millions) | 6.9267% | 951 |
| Cash dividends to net income (ytd only)* | 26.6163% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 2,641 |
| Loan loss allowance to noncurrent loans | 152.9562% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.6623% | 2,735 |
| Noncurrent loans to loans | 0.8386% | 2,427 |
| Net loans and leases to total assets | 64.1856% | 3,332 |
| Net loans and leases to deposits | 76.6165% | 3,248 |
| Net loans and leases to core deposits | 80.2139% | 3,375 |
| Total domestic deposits to total assets | 83.7751% | 3,512 |
| Equity capital to assets | 9.2594% | 4,509 |
| Core capital (leverage) ratio | 9.2735% | 4,377 |
| Tier 1 risk-based capital ratio | 11.5891% | 4,995 |
| Total risk-based capital ratio | 12.6835% | 4,995 |
| Memoranda: | ||
| Average total assets | $1,162,811,400 | 623 |
| Average earning assets | $1,092,646,200 | 608 |
| Average equity | $112,914,800 | 709 |
| Average total loans | $751,262,200 | 664 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2003% | 2,512 |
| Cost of funding earning assets | 0.2677% | 4,417 |
| Net interest margin | 3.9326% | 1,870 |
| Noninterest income to average assets | 0.3354% | 4,383 |
| Noninterest expense to average assets | 2.6530% | 3,487 |
| Loan and lease loss provision to assets | 0.0174% | 3,895 |
| Net operating income to assets | 0.8673% | 3,061 |
| Return on assets (ROA) | 0.8956% | 3,064 |
| Pretax return on assets | 1.4042% | 2,024 |
| Return on Equity (ROE) | 9.1104% | 2,442 |
| Retained earnings to average equity (ytd only) | 6.5719% | 1,861 |
| Net charge-offs to loans | 0.0050% | 3,732 |
| Credit loss provision to net charge-offs | 535.7143% | 668 |
| Earnings coverage of net charge-offs (x) | 423.8486% | 208 |
| Efficiency ratio | 65.3679% | 3,696 |
| Assets per employee ($millions) | 6.5149% | 1,093 |
| Cash dividends to net income (ytd only)* | 27.8642% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 2,472 |
| Loan loss allowance to noncurrent loans | 146.1338% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.7037% | 2,801 |
| Noncurrent loans to loans | 0.9190% | 2,405 |
| Net loans and leases to total assets | 63.2229% | 3,494 |
| Net loans and leases to deposits | 73.7621% | 3,619 |
| Net loans and leases to core deposits | 77.2822% | 3,724 |
| Total domestic deposits to total assets | 85.7119% | 2,501 |
| Equity capital to assets | 9.9408% | 4,187 |
| Core capital (leverage) ratio | 9.3561% | 4,387 |
| Tier 1 risk-based capital ratio | 11.9577% | 4,815 |
| Total risk-based capital ratio | 13.1042% | 4,780 |
| Memoranda: | ||
| Average total assets | $1,148,739,750 | 627 |
| Average earning assets | $1,079,317,500 | 614 |
| Average equity | $112,923,250 | 710 |
| Average total loans | $740,914,750 | 676 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2710% | 2,247 |
| Cost of funding earning assets | 0.2804% | 4,340 |
| Net interest margin | 3.9906% | 1,671 |
| Noninterest income to average assets | 0.3378% | 4,364 |
| Noninterest expense to average assets | 2.6944% | 3,415 |
| Loan and lease loss provision to assets | 0.0263% | 3,606 |
| Net operating income to assets | 0.8832% | 2,950 |
| Return on assets (ROA) | 0.9106% | 2,943 |
| Pretax return on assets | 1.4078% | 1,994 |
| Return on Equity (ROE) | 9.2994% | 2,367 |
| Retained earnings to average equity (ytd only) | 6.7821% | 1,722 |
| Net charge-offs to loans | 0.0222% | 3,047 |
| Credit loss provision to net charge-offs | 182.9268% | 1,385 |
| Earnings coverage of net charge-offs (x) | 96.8171% | 598 |
| Efficiency ratio | 65.4782% | 3,760 |
| Assets per employee ($millions) | 6.2529% | 1,231 |
| Cash dividends to net income (ytd only)* | 27.0697% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 2,469 |
| Loan loss allowance to noncurrent loans | 116.3691% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.8628% | 2,438 |
| Noncurrent loans to loans | 1.1728% | 1,959 |
| Net loans and leases to total assets | 63.4001% | 3,448 |
| Net loans and leases to deposits | 71.8806% | 3,796 |
| Net loans and leases to core deposits | 75.3152% | 3,882 |
| Total domestic deposits to total assets | 88.2020% | 1,322 |
| Equity capital to assets | 10.0722% | 4,134 |
| Core capital (leverage) ratio | 9.2099% | 4,578 |
| Tier 1 risk-based capital ratio | 12.3366% | 4,622 |
| Total risk-based capital ratio | 13.5339% | 4,576 |
| Memoranda: | ||
| Average total assets | $1,140,757,000 | 633 |
| Average earning assets | $1,071,511,000 | 617 |
| Average equity | $111,706,000 | 721 |
| Average total loans | $737,386,670 | 677 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 2,059 |
| Cost of funding earning assets | 0.2956% | 4,208 |
| Net interest margin | 4.0261% | 1,540 |
| Noninterest income to average assets | 0.3340% | 4,342 |
| Noninterest expense to average assets | 2.7227% | 3,338 |
| Loan and lease loss provision to assets | 0.0263% | 3,324 |
| Net operating income to assets | 0.8918% | 2,797 |
| Return on assets (ROA) | 0.9338% | 2,696 |
| Pretax return on assets | 1.4332% | 1,795 |
| Return on Equity (ROE) | 9.6751% | 2,127 |
| Retained earnings to average equity (ytd only) | 7.0735% | 1,852 |
| Net charge-offs to loans | 0.0553% | 1,968 |
| Credit loss provision to net charge-offs | 73.5294% | 1,882 |
| Earnings coverage of net charge-offs (x) | 38.9412% | 1,021 |
| Efficiency ratio | 65.6631% | 3,856 |
| Assets per employee ($millions) | 6.3539% | 1,191 |
| Cash dividends to net income (ytd only)* | 26.8898% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 2,726 |
| Loan loss allowance to noncurrent loans | 135.3894% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.7263% | 2,900 |
| Noncurrent loans to loans | 0.9872% | 2,410 |
| Net loans and leases to total assets | 63.4715% | 3,325 |
| Net loans and leases to deposits | 71.1530% | 3,731 |
| Net loans and leases to core deposits | 74.7119% | 3,819 |
| Total domestic deposits to total assets | 89.2042% | 999 |
| Equity capital to assets | 9.6876% | 4,461 |
| Core capital (leverage) ratio | 9.1016% | 4,734 |
| Tier 1 risk-based capital ratio | 12.0631% | 4,874 |
| Total risk-based capital ratio | 13.2453% | 4,838 |
| Memoranda: | ||
| Average total assets | $1,138,998,000 | 637 |
| Average earning assets | $1,070,418,000 | 621 |
| Average equity | $109,932,000 | 735 |
| Average total loans | $738,325,500 | 674 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1375% | 2,780 |
| Cost of funding earning assets | 0.2487% | 4,799 |
| Net interest margin | 3.8888% | 2,068 |
| Noninterest income to average assets | 0.4020% | 4,021 |
| Noninterest expense to average assets | 2.9367% | 2,738 |
| Loan and lease loss provision to assets | -0.0301% | 5,689 |
| Net operating income to assets | 0.8137% | 3,284 |
| Return on assets (ROA) | 0.8375% | 3,240 |
| Pretax return on assets | 1.1745% | 2,752 |
| Return on Equity (ROE) | 8.0869% | 2,913 |
| Retained earnings to average equity (ytd only) | 5.7659% | 1,916 |
| Net charge-offs to loans | -0.0898% | 5,744 |
| Credit loss provision to net charge-offs | 53.0435% | 3,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3517% | 2,846 |
| Assets per employee ($millions) | 6.1289% | 1,300 |
| Cash dividends to net income (ytd only)* | 28.7009% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3607% | 2,616 |
| Loan loss allowance to noncurrent loans | 118.4648% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.8418% | 2,561 |
| Noncurrent loans to loans | 1.1486% | 2,048 |
| Net loans and leases to total assets | 64.4398% | 3,206 |
| Net loans and leases to deposits | 73.4265% | 3,562 |
| Net loans and leases to core deposits | 77.3757% | 3,617 |
| Total domestic deposits to total assets | 87.7609% | 1,769 |
| Equity capital to assets | 9.6145% | 4,423 |
| Core capital (leverage) ratio | 9.0813% | 4,779 |
| Tier 1 risk-based capital ratio | 12.1357% | 4,862 |
| Total risk-based capital ratio | 13.3498% | 4,787 |
| Memoranda: | ||
| Average total assets | $1,014,726,200 | 679 |
| Average earning assets | $951,289,800 | 663 |
| Average equity | $105,083,000 | 735 |
| Average total loans | $639,962,200 | 728 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0790% | 3,032 |
| Cost of funding earning assets | 0.2345% | 5,049 |
| Net interest margin | 3.8445% | 2,218 |
| Noninterest income to average assets | 0.4127% | 3,992 |
| Noninterest expense to average assets | 2.8517% | 3,001 |
| Loan and lease loss provision to assets | 0.0304% | 3,627 |
| Net operating income to assets | 0.8262% | 3,300 |
| Return on assets (ROA) | 0.8508% | 3,258 |
| Pretax return on assets | 1.1665% | 2,945 |
| Return on Equity (ROE) | 8.0526% | 3,049 |
| Retained earnings to average equity (ytd only) | 5.7664% | 2,391 |
| Net charge-offs to loans | -0.0030% | 4,751 |
| Credit loss provision to net charge-offs | -1,607.1429% | 5,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9354% | 3,061 |
| Assets per employee ($millions) | 6.1646% | 1,265 |
| Cash dividends to net income (ytd only)* | 28.3902% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 2,570 |
| Loan loss allowance to noncurrent loans | 177.6408% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.5797% | 3,548 |
| Noncurrent loans to loans | 0.7916% | 2,983 |
| Net loans and leases to total assets | 62.8041% | 3,481 |
| Net loans and leases to deposits | 70.3602% | 3,940 |
| Net loans and leases to core deposits | 74.2752% | 3,988 |
| Total domestic deposits to total assets | 89.2609% | 892 |
| Equity capital to assets | 9.6858% | 4,534 |
| Core capital (leverage) ratio | 9.6763% | 4,061 |
| Tier 1 risk-based capital ratio | 10.6673% | 5,816 |
| Total risk-based capital ratio | 11.7486% | 5,817 |
| Memoranda: | ||
| Average total assets | $988,011,500 | 705 |
| Average earning assets | $925,724,750 | 687 |
| Average equity | $104,395,000 | 745 |
| Average total loans | $616,773,500 | 768 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1452% | 2,734 |
| Cost of funding earning assets | 0.2236% | 5,214 |
| Net interest margin | 3.9217% | 1,900 |
| Noninterest income to average assets | 0.4427% | 3,762 |
| Noninterest expense to average assets | 2.8845% | 2,948 |
| Loan and lease loss provision to assets | 0.0317% | 3,487 |
| Net operating income to assets | 0.8120% | 3,323 |
| Return on assets (ROA) | 0.8437% | 3,263 |
| Pretax return on assets | 1.2465% | 2,565 |
| Return on Equity (ROE) | 7.7335% | 3,196 |
| Retained earnings to average equity (ytd only) | 5.5220% | 2,521 |
| Net charge-offs to loans | 0.0048% | 3,736 |
| Credit loss provision to net charge-offs | 1,071.4286% | 326 |
| Earnings coverage of net charge-offs (x) | 416.7143% | 157 |
| Efficiency ratio | 70.0395% | 3,318 |
| Assets per employee ($millions) | 5.4486% | 1,791 |
| Cash dividends to net income (ytd only)* | 28.5964% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6915% | 1,621 |
| Loan loss allowance to noncurrent loans | 156.6242% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.7030% | 3,292 |
| Noncurrent loans to loans | 1.0800% | 2,490 |
| Net loans and leases to total assets | 56.7130% | 4,256 |
| Net loans and leases to deposits | 63.9306% | 4,548 |
| Net loans and leases to core deposits | 67.1207% | 4,562 |
| Total domestic deposits to total assets | 88.7102% | 1,290 |
| Equity capital to assets | 10.3582% | 3,608 |
| Core capital (leverage) ratio | 10.6899% | 2,745 |
| Tier 1 risk-based capital ratio | 12.6272% | 4,721 |
| Total risk-based capital ratio | 13.8770% | 4,654 |
| Memoranda: | ||
| Average total assets | $947,474,330 | 737 |
| Average earning assets | $887,480,330 | 720 |
| Average equity | $103,368,000 | 756 |
| Average total loans | $586,755,330 | 801 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2354% | 2,326 |
| Cost of funding earning assets | 0.2123% | 5,398 |
| Net interest margin | 4.0232% | 1,483 |
| Noninterest income to average assets | 0.4361% | 3,722 |
| Noninterest expense to average assets | 3.0174% | 2,527 |
| Loan and lease loss provision to assets | 0.0327% | 3,233 |
| Net operating income to assets | 0.7763% | 3,385 |
| Return on assets (ROA) | 0.7968% | 3,406 |
| Pretax return on assets | 1.1766% | 2,753 |
| Return on Equity (ROE) | 7.1057% | 3,453 |
| Retained earnings to average equity (ytd only) | 4.8499% | 3,146 |
| Net charge-offs to loans | 0.0210% | 2,724 |
| Credit loss provision to net charge-offs | 241.9355% | 936 |
| Earnings coverage of net charge-offs (x) | 87.2258% | 551 |
| Efficiency ratio | 71.8591% | 3,198 |
| Assets per employee ($millions) | 5.1080% | 2,214 |
| Cash dividends to net income (ytd only)* | 31.7460% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6646% | 1,835 |
| Loan loss allowance to noncurrent loans | 157.4661% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.7568% | 3,218 |
| Noncurrent loans to loans | 1.0571% | 2,654 |
| Net loans and leases to total assets | 62.6036% | 3,278 |
| Net loans and leases to deposits | 71.4527% | 3,596 |
| Net loans and leases to core deposits | 75.5193% | 3,638 |
| Total domestic deposits to total assets | 87.6155% | 2,037 |
| Equity capital to assets | 11.3234% | 2,622 |
| Core capital (leverage) ratio | 10.8913% | 2,526 |
| Tier 1 risk-based capital ratio | 12.1854% | 5,123 |
| Total risk-based capital ratio | 13.4017% | 5,054 |
| Memoranda: | ||
| Average total assets | $917,213,000 | 761 |
| Average earning assets | $857,338,000 | 750 |
| Average equity | $102,847,000 | 757 |
| Average total loans | $589,382,500 | 792 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 2,218 |
| Cost of funding earning assets | 0.2268% | 5,549 |
| Net interest margin | 4.1744% | 1,370 |
| Noninterest income to average assets | 0.7367% | 2,135 |
| Noninterest expense to average assets | 3.0924% | 2,542 |
| Loan and lease loss provision to assets | -0.1129% | 6,169 |
| Net operating income to assets | 1.0659% | 2,106 |
| Return on assets (ROA) | 1.0758% | 2,121 |
| Pretax return on assets | 1.6444% | 1,110 |
| Return on Equity (ROE) | 10.1071% | 2,070 |
| Retained earnings to average equity (ytd only) | -0.7592% | 5,886 |
| Net charge-offs to loans | -0.1459% | 6,206 |
| Credit loss provision to net charge-offs | 121.2842% | 1,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9565% | 4,064 |
| Assets per employee ($millions) | 4.9727% | 2,354 |
| Cash dividends to net income (ytd only)* | 107.5118% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 1,972 |
| Loan loss allowance to noncurrent loans | 163.9344% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.7301% | 3,384 |
| Noncurrent loans to loans | 0.9971% | 2,835 |
| Net loans and leases to total assets | 63.7953% | 3,255 |
| Net loans and leases to deposits | 73.6133% | 3,485 |
| Net loans and leases to core deposits | 77.5401% | 3,558 |
| Total domestic deposits to total assets | 86.6628% | 2,478 |
| Equity capital to assets | 11.1021% | 2,803 |
| Core capital (leverage) ratio | 10.7945% | 2,616 |
| Tier 1 risk-based capital ratio | 13.8768% | 4,186 |
| Total risk-based capital ratio | 15.1286% | 4,125 |
| Memoranda: | ||
| Average total assets | $903,306,800 | 734 |
| Average earning assets | $837,839,000 | 730 |
| Average equity | $96,150,400 | 768 |
| Average total loans | $576,598,600 | 765 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 2,200 |
| Cost of funding earning assets | 0.2286% | 5,602 |
| Net interest margin | 4.1762% | 1,359 |
| Noninterest income to average assets | 0.4647% | 3,772 |
| Noninterest expense to average assets | 3.1420% | 2,346 |
| Loan and lease loss provision to assets | 0.0111% | 4,199 |
| Net operating income to assets | 0.7988% | 3,434 |
| Return on assets (ROA) | 0.8128% | 3,465 |
| Pretax return on assets | 1.2006% | 2,776 |
| Return on Equity (ROE) | 7.7205% | 3,354 |
| Retained earnings to average equity (ytd only) | -6.2915% | 6,305 |
| Net charge-offs to loans | -0.1910% | 6,300 |
| Credit loss provision to net charge-offs | -9.1463% | 5,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3566% | 3,119 |
| Assets per employee ($millions) | 4.9222% | 2,348 |
| Cash dividends to net income (ytd only)* | 181.4903% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8598% | 1,550 |
| Loan loss allowance to noncurrent loans | 200.1486% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.6777% | 3,799 |
| Noncurrent loans to loans | 0.9292% | 3,243 |
| Net loans and leases to total assets | 62.7734% | 3,377 |
| Net loans and leases to deposits | 72.6112% | 3,612 |
| Net loans and leases to core deposits | 76.3739% | 3,703 |
| Total domestic deposits to total assets | 86.4514% | 2,613 |
| Equity capital to assets | 10.7281% | 3,260 |
| Core capital (leverage) ratio | 10.1631% | 3,457 |
| Tier 1 risk-based capital ratio | 13.0475% | 4,839 |
| Total risk-based capital ratio | 14.3015% | 4,760 |
| Memoranda: | ||
| Average total assets | $900,388,250 | 745 |
| Average earning assets | $834,040,750 | 734 |
| Average equity | $94,792,500 | 776 |
| Average total loans | $572,394,500 | 769 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 2,206 |
| Cost of funding earning assets | 0.2300% | 5,663 |
| Net interest margin | 4.1607% | 1,347 |
| Noninterest income to average assets | 0.4908% | 3,545 |
| Noninterest expense to average assets | 3.1557% | 2,317 |
| Loan and lease loss provision to assets | 0.0167% | 3,926 |
| Net operating income to assets | 0.7929% | 3,367 |
| Return on assets (ROA) | 0.7988% | 3,447 |
| Pretax return on assets | 1.1758% | 2,777 |
| Return on Equity (ROE) | 7.6360% | 3,298 |
| Retained earnings to average equity (ytd only) | -12.6103% | 6,464 |
| Net charge-offs to loans | -0.3175% | 6,447 |
| Credit loss provision to net charge-offs | -8.2873% | 5,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5664% | 3,230 |
| Assets per employee ($millions) | 4.7817% | 2,499 |
| Cash dividends to net income (ytd only)* | 265.1435% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9008% | 1,587 |
| Loan loss allowance to noncurrent loans | 189.4783% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.7176% | 3,831 |
| Noncurrent loans to loans | 1.0032% | 3,227 |
| Net loans and leases to total assets | 62.0130% | 3,402 |
| Net loans and leases to deposits | 70.8378% | 3,716 |
| Net loans and leases to core deposits | 74.4915% | 3,785 |
| Total domestic deposits to total assets | 87.5422% | 2,175 |
| Equity capital to assets | 10.6238% | 3,281 |
| Core capital (leverage) ratio | 10.0578% | 3,527 |
| Tier 1 risk-based capital ratio | 13.0918% | 4,860 |
| Total risk-based capital ratio | 14.3463% | 4,787 |
| Memoranda: | ||
| Average total assets | $898,620,670 | 747 |
| Average earning assets | $831,244,670 | 737 |
| Average equity | $94,002,330 | 775 |
| Average total loans | $570,090,330 | 766 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3365% | 2,381 |
| Cost of funding earning assets | 0.2264% | 5,783 |
| Net interest margin | 4.1101% | 1,431 |
| Noninterest income to average assets | 0.5848% | 2,827 |
| Noninterest expense to average assets | 3.1618% | 2,347 |
| Loan and lease loss provision to assets | 0.0335% | 3,380 |
| Net operating income to assets | 0.8162% | 3,072 |
| Return on assets (ROA) | 0.8196% | 3,127 |
| Pretax return on assets | 1.1950% | 2,500 |
| Return on Equity (ROE) | 7.8969% | 2,979 |
| Retained earnings to average equity (ytd only) | -31.1017% | 6,621 |
| Net charge-offs to loans | 0.0400% | 2,826 |
| Credit loss provision to net charge-offs | 131.5789% | 1,373 |
| Earnings coverage of net charge-offs (x) | 48.0877% | 773 |
| Efficiency ratio | 71.9463% | 3,495 |
| Assets per employee ($millions) | 4.9753% | 2,282 |
| Cash dividends to net income (ytd only)* | 493.8453% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 2,301 |
| Loan loss allowance to noncurrent loans | 136.7556% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 1.0788% | 3,098 |
| Noncurrent loans to loans | 1.2548% | 2,943 |
| Net loans and leases to total assets | 62.9478% | 3,079 |
| Net loans and leases to deposits | 73.2115% | 3,167 |
| Net loans and leases to core deposits | 77.3060% | 3,278 |
| Total domestic deposits to total assets | 85.9808% | 3,375 |
| Equity capital to assets | 10.3263% | 3,429 |
| Core capital (leverage) ratio | 9.9594% | 3,622 |
| Tier 1 risk-based capital ratio | 12.7633% | 5,152 |
| Total risk-based capital ratio | 14.0159% | 5,087 |
| Memoranda: | ||
| Average total assets | $896,064,500 | 756 |
| Average earning assets | $828,589,000 | 747 |
| Average equity | $92,998,000 | 783 |
| Average total loans | $569,490,000 | 771 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5200% | 2,131 |
| Cost of funding earning assets | 0.2891% | 5,681 |
| Net interest margin | 4.2309% | 1,271 |
| Noninterest income to average assets | 0.4290% | 4,240 |
| Noninterest expense to average assets | 3.2268% | 2,342 |
| Loan and lease loss provision to assets | 0.1544% | 2,344 |
| Net operating income to assets | 0.8110% | 3,236 |
| Return on assets (ROA) | 0.8417% | 3,158 |
| Pretax return on assets | 0.9894% | 3,391 |
| Return on Equity (ROE) | 8.1360% | 2,966 |
| Retained earnings to average equity (ytd only) | 3.4451% | 3,783 |
| Net charge-offs to loans | 0.1134% | 3,684 |
| Credit loss provision to net charge-offs | 219.8413% | 1,044 |
| Earnings coverage of net charge-offs (x) | 15.7714% | 1,848 |
| Efficiency ratio | 74.2695% | 3,092 |
| Assets per employee ($millions) | 4.8457% | 2,383 |
| Cash dividends to net income (ytd only)* | 57.6556% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7571% | 2,207 |
| Loan loss allowance to noncurrent loans | 129.5946% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 1.4514% | 2,568 |
| Noncurrent loans to loans | 1.3559% | 2,868 |
| Net loans and leases to total assets | 61.9494% | 3,371 |
| Net loans and leases to deposits | 71.3072% | 3,614 |
| Net loans and leases to core deposits | 75.7765% | 3,629 |
| Total domestic deposits to total assets | 86.8767% | 2,793 |
| Equity capital to assets | 10.4312% | 3,250 |
| Core capital (leverage) ratio | 9.6729% | 4,022 |
| Tier 1 risk-based capital ratio | 12.8637% | 5,074 |
| Total risk-based capital ratio | 14.1166% | 5,017 |
| Memoranda: | ||
| Average total assets | $896,984,200 | 735 |
| Average earning assets | $828,000,000 | 722 |
| Average equity | $92,797,800 | 754 |
| Average total loans | $555,487,800 | 754 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5126% | 2,180 |
| Cost of funding earning assets | 0.3026% | 5,710 |
| Net interest margin | 4.2100% | 1,303 |
| Noninterest income to average assets | 0.4239% | 4,337 |
| Noninterest expense to average assets | 3.2661% | 2,160 |
| Loan and lease loss provision to assets | 0.1981% | 1,834 |
| Net operating income to assets | 0.7964% | 3,365 |
| Return on assets (ROA) | 0.8176% | 3,387 |
| Pretax return on assets | 0.8666% | 4,021 |
| Return on Equity (ROE) | 7.9196% | 3,161 |
| Retained earnings to average equity (ytd only) | 2.2340% | 4,977 |
| Net charge-offs to loans | 0.1712% | 2,850 |
| Credit loss provision to net charge-offs | 187.7637% | 1,284 |
| Earnings coverage of net charge-offs (x) | 9.8762% | 2,424 |
| Efficiency ratio | 75.6132% | 2,789 |
| Assets per employee ($millions) | 4.7997% | 2,441 |
| Cash dividends to net income (ytd only)* | 71.7916% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7165% | 2,574 |
| Loan loss allowance to noncurrent loans | 103.4929% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.7374% | 2,361 |
| Noncurrent loans to loans | 1.6585% | 2,696 |
| Net loans and leases to total assets | 60.2544% | 3,661 |
| Net loans and leases to deposits | 71.3997% | 3,585 |
| Net loans and leases to core deposits | 75.9786% | 3,618 |
| Total domestic deposits to total assets | 84.3903% | 4,031 |
| Equity capital to assets | 9.9256% | 4,017 |
| Core capital (leverage) ratio | 9.4356% | 4,495 |
| Tier 1 risk-based capital ratio | 12.1167% | 5,709 |
| Total risk-based capital ratio | 13.3688% | 5,640 |
| Memoranda: | ||
| Average total assets | $898,329,250 | 736 |
| Average earning assets | $828,853,750 | 724 |
| Average equity | $92,746,000 | 758 |
| Average total loans | $553,804,250 | 761 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5771% | 1,918 |
| Cost of funding earning assets | 0.3218% | 5,647 |
| Net interest margin | 4.2553% | 1,126 |
| Noninterest income to average assets | 0.4320% | 4,296 |
| Noninterest expense to average assets | 3.3899% | 1,845 |
| Loan and lease loss provision to assets | 0.2497% | 1,491 |
| Net operating income to assets | 0.5137% | 4,747 |
| Return on assets (ROA) | 0.5321% | 4,820 |
| Pretax return on assets | 0.7478% | 4,512 |
| Return on Equity (ROE) | 5.0853% | 4,676 |
| Retained earnings to average equity (ytd only) | -2.1008% | 6,206 |
| Net charge-offs to loans | 0.1781% | 2,689 |
| Credit loss provision to net charge-offs | 226.9939% | 1,084 |
| Earnings coverage of net charge-offs (x) | 8.8323% | 2,361 |
| Efficiency ratio | 77.4901% | 2,543 |
| Assets per employee ($millions) | 4.3941% | 3,002 |
| Cash dividends to net income (ytd only)* | 141.3108% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8014% | 2,429 |
| Loan loss allowance to noncurrent loans | 82.1808% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 2.0574% | 2,103 |
| Noncurrent loans to loans | 2.1919% | 2,184 |
| Net loans and leases to total assets | 58.9745% | 3,835 |
| Net loans and leases to deposits | 66.1385% | 4,250 |
| Net loans and leases to core deposits | 70.8980% | 4,176 |
| Total domestic deposits to total assets | 89.1681% | 1,527 |
| Equity capital to assets | 9.9316% | 3,997 |
| Core capital (leverage) ratio | 9.3305% | 4,491 |
| Tier 1 risk-based capital ratio | 12.5988% | 5,434 |
| Total risk-based capital ratio | 13.8519% | 5,370 |
| Memoranda: | ||
| Average total assets | $888,990,330 | 745 |
| Average earning assets | $820,953,000 | 731 |
| Average equity | $93,013,000 | 757 |
| Average total loans | $549,101,670 | 756 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6186% | 1,775 |
| Cost of funding earning assets | 0.3350% | 5,675 |
| Net interest margin | 4.2835% | 997 |
| Noninterest income to average assets | 0.4154% | 4,344 |
| Noninterest expense to average assets | 3.5013% | 1,619 |
| Loan and lease loss provision to assets | 0.2718% | 1,302 |
| Net operating income to assets | 0.4122% | 5,083 |
| Return on assets (ROA) | 0.4253% | 5,177 |
| Pretax return on assets | 0.6165% | 4,886 |
| Return on Equity (ROE) | 3.9625% | 5,112 |
| Retained earnings to average equity (ytd only) | 2.0382% | 4,983 |
| Net charge-offs to loans | 0.2654% | 1,896 |
| Credit loss provision to net charge-offs | 163.4877% | 1,283 |
| Earnings coverage of net charge-offs (x) | 5.2289% | 2,391 |
| Efficiency ratio | 79.8217% | 2,359 |
| Assets per employee ($millions) | 4.2780% | 3,380 |
| Cash dividends to net income (ytd only)* | 48.5623% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 3,076 |
| Loan loss allowance to noncurrent loans | 70.2583% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 2.2353% | 2,085 |
| Noncurrent loans to loans | 2.3969% | 2,165 |
| Net loans and leases to total assets | 61.0980% | 3,239 |
| Net loans and leases to deposits | 69.0250% | 3,635 |
| Net loans and leases to core deposits | 75.3966% | 3,399 |
| Total domestic deposits to total assets | 87.5094% | 2,626 |
| Equity capital to assets | 10.6037% | 3,426 |
| Core capital (leverage) ratio | 9.8873% | 3,546 |
| Tier 1 risk-based capital ratio | 13.3938% | 4,942 |
| Total risk-based capital ratio | 14.6464% | 4,894 |
| Memoranda: | ||
| Average total assets | $883,089,000 | 756 |
| Average earning assets | $815,406,000 | 743 |
| Average equity | $94,788,000 | 754 |
| Average total loans | $553,161,000 | 752 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 2,990 |
| Cost of funding earning assets | 0.3726% | 6,091 |
| Net interest margin | 4.2302% | 1,576 |
| Noninterest income to average assets | 1.0119% | 1,498 |
| Noninterest expense to average assets | 3.4675% | 1,907 |
| Loan and lease loss provision to assets | 0.2302% | 2,832 |
| Net operating income to assets | 1.0102% | 2,293 |
| Return on assets (ROA) | 1.1112% | 2,081 |
| Pretax return on assets | 1.3231% | 2,309 |
| Return on Equity (ROE) | 9.7908% | 2,264 |
| Retained earnings to average equity (ytd only) | 8.3754% | 1,007 |
| Net charge-offs to loans | 0.5259% | 2,148 |
| Credit loss provision to net charge-offs | 70.3377% | 4,152 |
| Earnings coverage of net charge-offs (x) | 4.3780% | 3,388 |
| Efficiency ratio | 70.5011% | 3,713 |
| Assets per employee ($millions) | 4.0751% | 3,800 |
| Cash dividends to net income (ytd only)* | 14.4569% | 3,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 3,095 |
| Loan loss allowance to noncurrent loans | 68.1048% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 2.2988% | 2,138 |
| Noncurrent loans to loans | 2.4328% | 2,181 |
| Net loans and leases to total assets | 62.1004% | 3,233 |
| Net loans and leases to deposits | 70.4368% | 3,649 |
| Net loans and leases to core deposits | 78.1492% | 3,238 |
| Total domestic deposits to total assets | 86.6038% | 3,042 |
| Equity capital to assets | 10.8669% | 3,108 |
| Core capital (leverage) ratio | 9.6800% | 3,841 |
| Tier 1 risk-based capital ratio | 13.3110% | 4,889 |
| Total risk-based capital ratio | 14.5632% | 4,833 |
| Memoranda: | ||
| Average total assets | $796,144,200 | 831 |
| Average earning assets | $731,862,200 | 819 |
| Average equity | $90,360,400 | 771 |
| Average total loans | $495,556,600 | 833 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5164% | 3,569 |
| Cost of funding earning assets | 0.3736% | 6,260 |
| Net interest margin | 4.1428% | 1,929 |
| Noninterest income to average assets | 1.2246% | 994 |
| Noninterest expense to average assets | 3.4504% | 1,883 |
| Loan and lease loss provision to assets | 0.2059% | 3,016 |
| Net operating income to assets | 1.1602% | 1,867 |
| Return on assets (ROA) | 1.2896% | 1,612 |
| Pretax return on assets | 1.5288% | 1,784 |
| Return on Equity (ROE) | 11.2285% | 1,875 |
| Retained earnings to average equity (ytd only) | 9.9962% | 915 |
| Net charge-offs to loans | 0.6960% | 1,586 |
| Credit loss provision to net charge-offs | 47.7137% | 4,452 |
| Earnings coverage of net charge-offs (x) | 3.6632% | 3,560 |
| Efficiency ratio | 68.3342% | 3,994 |
| Assets per employee ($millions) | 4.2951% | 3,279 |
| Cash dividends to net income (ytd only)* | 10.9751% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 3,759 |
| Loan loss allowance to noncurrent loans | 37.5366% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 2.7611% | 1,906 |
| Noncurrent loans to loans | 4.1111% | 1,227 |
| Net loans and leases to total assets | 60.9959% | 3,572 |
| Net loans and leases to deposits | 69.1023% | 4,009 |
| Net loans and leases to core deposits | 77.1589% | 3,587 |
| Total domestic deposits to total assets | 87.0361% | 2,648 |
| Equity capital to assets | 10.4997% | 3,846 |
| Core capital (leverage) ratio | 10.9735% | 2,415 |
| Tier 1 risk-based capital ratio | 12.8639% | 5,361 |
| Total risk-based capital ratio | 14.1148% | 5,324 |
| Memoranda: | ||
| Average total assets | $777,161,000 | 861 |
| Average earning assets | $714,058,500 | 844 |
| Average equity | $89,258,500 | 784 |
| Average total loans | $481,774,000 | 863 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6827% | 2,999 |
| Cost of funding earning assets | 0.3963% | 6,281 |
| Net interest margin | 4.2864% | 1,509 |
| Noninterest income to average assets | 0.6760% | 2,797 |
| Noninterest expense to average assets | 3.6619% | 1,441 |
| Loan and lease loss provision to assets | 0.2171% | 2,902 |
| Net operating income to assets | 0.5333% | 4,661 |
| Return on assets (ROA) | 0.6958% | 4,154 |
| Pretax return on assets | 0.9411% | 3,921 |
| Return on Equity (ROE) | 5.8543% | 4,393 |
| Retained earnings to average equity (ytd only) | 4.5323% | 3,588 |
| Net charge-offs to loans | 0.9799% | 1,132 |
| Credit loss provision to net charge-offs | 35.7302% | 4,346 |
| Earnings coverage of net charge-offs (x) | 1.5449% | 4,219 |
| Efficiency ratio | 79.3075% | 2,286 |
| Assets per employee ($millions) | 4.1365% | 3,593 |
| Cash dividends to net income (ytd only)* | 22.5819% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8317% | 2,753 |
| Loan loss allowance to noncurrent loans | 44.4433% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 2.7987% | 1,968 |
| Noncurrent loans to loans | 4.1214% | 1,330 |
| Net loans and leases to total assets | 60.5441% | 3,726 |
| Net loans and leases to deposits | 69.4869% | 3,971 |
| Net loans and leases to core deposits | 73.2588% | 4,131 |
| Total domestic deposits to total assets | 87.1302% | 2,699 |
| Equity capital to assets | 11.8553% | 2,266 |
| Core capital (leverage) ratio | 11.0864% | 2,220 |
| Tier 1 risk-based capital ratio | 14.9403% | 3,805 |
| Total risk-based capital ratio | 16.1941% | 3,753 |
| Memoranda: | ||
| Average total assets | $736,987,000 | 912 |
| Average earning assets | $674,783,330 | 902 |
| Average equity | $87,593,330 | 791 |
| Average total loans | $456,988,000 | 902 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 2,971 |
| Cost of funding earning assets | 0.4087% | 6,367 |
| Net interest margin | 4.3112% | 1,433 |
| Noninterest income to average assets | 0.7741% | 2,281 |
| Noninterest expense to average assets | 3.8521% | 1,128 |
| Loan and lease loss provision to assets | 0.2188% | 2,751 |
| Net operating income to assets | 0.4986% | 4,837 |
| Return on assets (ROA) | 0.7025% | 4,089 |
| Pretax return on assets | 0.9158% | 3,979 |
| Return on Equity (ROE) | 5.9028% | 4,346 |
| Retained earnings to average equity (ytd only) | 4.9374% | 3,593 |
| Net charge-offs to loans | 1.7686% | 537 |
| Credit loss provision to net charge-offs | 19.9005% | 3,777 |
| Earnings coverage of net charge-offs (x) | 0.7910% | 3,939 |
| Efficiency ratio | 81.3000% | 2,043 |
| Assets per employee ($millions) | 4.3158% | 3,365 |
| Cash dividends to net income (ytd only)* | 16.3551% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8190% | 2,929 |
| Loan loss allowance to noncurrent loans | 42.5367% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 2.8665% | 2,037 |
| Noncurrent loans to loans | 4.2762% | 1,400 |
| Net loans and leases to total assets | 59.9095% | 3,687 |
| Net loans and leases to deposits | 68.5899% | 3,951 |
| Net loans and leases to core deposits | 72.5280% | 4,075 |
| Total domestic deposits to total assets | 87.3445% | 2,750 |
| Equity capital to assets | 11.7075% | 2,257 |
| Core capital (leverage) ratio | 11.0881% | 2,197 |
| Tier 1 risk-based capital ratio | 14.7571% | 3,921 |
| Total risk-based capital ratio | 16.0107% | 3,880 |
| Memoranda: | ||
| Average total assets | $731,126,000 | 915 |
| Average earning assets | $669,505,500 | 908 |
| Average equity | $87,009,000 | 796 |
| Average total loans | $454,603,500 | 909 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0687% | 2,569 |
| Cost of funding earning assets | 0.5106% | 6,481 |
| Net interest margin | 4.5581% | 1,003 |
| Noninterest income to average assets | 0.5608% | 3,428 |
| Noninterest expense to average assets | 3.7164% | 1,506 |
| Loan and lease loss provision to assets | 0.2451% | 3,759 |
| Net operating income to assets | 0.5559% | 4,206 |
| Return on assets (ROA) | 0.6049% | 4,162 |
| Pretax return on assets | 0.8248% | 3,890 |
| Return on Equity (ROE) | 5.1789% | 4,302 |
| Retained earnings to average equity (ytd only) | 3.6573% | 3,608 |
| Net charge-offs to loans | 0.2934% | 3,942 |
| Credit loss provision to net charge-offs | 127.0879% | 2,447 |
| Earnings coverage of net charge-offs (x) | 5.1997% | 2,875 |
| Efficiency ratio | 78.4604% | 2,533 |
| Assets per employee ($millions) | 4.0893% | 3,669 |
| Cash dividends to net income (ytd only)* | 29.3818% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1818% | 1,832 |
| Loan loss allowance to noncurrent loans | 51.7544% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 3.0561% | 1,964 |
| Noncurrent loans to loans | 4.2157% | 1,457 |
| Net loans and leases to total assets | 62.0049% | 3,599 |
| Net loans and leases to deposits | 71.2974% | 3,901 |
| Net loans and leases to core deposits | 75.4483% | 4,050 |
| Total domestic deposits to total assets | 86.9666% | 2,785 |
| Equity capital to assets | 12.1022% | 2,044 |
| Core capital (leverage) ratio | 11.1498% | 2,156 |
| Tier 1 risk-based capital ratio | 15.1831% | 3,527 |
| Total risk-based capital ratio | 16.4410% | 3,484 |
| Memoranda: | ||
| Average total assets | $714,031,600 | 916 |
| Average earning assets | $651,410,200 | 913 |
| Average equity | $83,395,400 | 805 |
| Average total loans | $469,345,200 | 889 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0877% | 2,668 |
| Cost of funding earning assets | 0.5296% | 6,580 |
| Net interest margin | 4.5581% | 1,023 |
| Noninterest income to average assets | 0.5852% | 3,264 |
| Noninterest expense to average assets | 3.7400% | 1,414 |
| Loan and lease loss provision to assets | 0.2429% | 3,573 |
| Net operating income to assets | 0.5583% | 4,277 |
| Return on assets (ROA) | 0.6025% | 4,252 |
| Pretax return on assets | 0.8159% | 4,066 |
| Return on Equity (ROE) | 5.2061% | 4,447 |
| Retained earnings to average equity (ytd only) | 3.4982% | 4,252 |
| Net charge-offs to loans | 0.3319% | 3,432 |
| Credit loss provision to net charge-offs | 110.3565% | 2,992 |
| Earnings coverage of net charge-offs (x) | 4.5390% | 3,033 |
| Efficiency ratio | 78.6320% | 2,455 |
| Assets per employee ($millions) | 4.1580% | 3,524 |
| Cash dividends to net income (ytd only)* | 32.8062% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0711% | 2,140 |
| Loan loss allowance to noncurrent loans | 60.6362% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 2.6118% | 2,475 |
| Noncurrent loans to loans | 3.4156% | 2,016 |
| Net loans and leases to total assets | 63.0429% | 3,504 |
| Net loans and leases to deposits | 72.1487% | 3,962 |
| Net loans and leases to core deposits | 76.0679% | 4,189 |
| Total domestic deposits to total assets | 87.3791% | 2,419 |
| Equity capital to assets | 11.7705% | 2,437 |
| Core capital (leverage) ratio | 11.0218% | 2,368 |
| Tier 1 risk-based capital ratio | 14.6771% | 3,850 |
| Total risk-based capital ratio | 15.9341% | 3,825 |
| Memoranda: | ||
| Average total assets | $713,634,000 | 922 |
| Average earning assets | $650,340,250 | 921 |
| Average equity | $82,592,750 | 819 |
| Average total loans | $473,277,000 | 899 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1151% | 2,609 |
| Cost of funding earning assets | 0.5382% | 6,711 |
| Net interest margin | 4.5768% | 953 |
| Noninterest income to average assets | 0.5721% | 3,320 |
| Noninterest expense to average assets | 3.7480% | 1,450 |
| Loan and lease loss provision to assets | 0.2393% | 3,521 |
| Net operating income to assets | 0.5404% | 4,336 |
| Return on assets (ROA) | 0.5710% | 4,335 |
| Pretax return on assets | 0.7954% | 4,051 |
| Return on Equity (ROE) | 4.9622% | 4,470 |
| Retained earnings to average equity (ytd only) | 3.7535% | 3,826 |
| Net charge-offs to loans | 0.2753% | 3,511 |
| Credit loss provision to net charge-offs | 129.7710% | 2,351 |
| Earnings coverage of net charge-offs (x) | 5.3802% | 2,624 |
| Efficiency ratio | 78.7776% | 2,593 |
| Assets per employee ($millions) | 4.0589% | 3,632 |
| Cash dividends to net income (ytd only)* | 24.3590% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0702% | 2,182 |
| Loan loss allowance to noncurrent loans | 61.3341% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 2.5450% | 2,629 |
| Noncurrent loans to loans | 3.3753% | 2,106 |
| Net loans and leases to total assets | 63.9946% | 3,464 |
| Net loans and leases to deposits | 73.0914% | 3,935 |
| Net loans and leases to core deposits | 78.3932% | 4,008 |
| Total domestic deposits to total assets | 87.5542% | 2,438 |
| Equity capital to assets | 11.6098% | 2,404 |
| Core capital (leverage) ratio | 11.0801% | 2,186 |
| Tier 1 risk-based capital ratio | 14.5519% | 3,753 |
| Total risk-based capital ratio | 15.8090% | 3,724 |
| Memoranda: | ||
| Average total assets | $710,350,330 | 930 |
| Average earning assets | $646,911,330 | 934 |
| Average equity | $81,737,670 | 820 |
| Average total loans | $475,785,330 | 911 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1461% | 2,450 |
| Cost of funding earning assets | 0.5517% | 6,797 |
| Net interest margin | 4.5944% | 871 |
| Noninterest income to average assets | 0.5980% | 3,180 |
| Noninterest expense to average assets | 3.8674% | 1,221 |
| Loan and lease loss provision to assets | 0.2548% | 3,107 |
| Net operating income to assets | 0.4523% | 4,705 |
| Return on assets (ROA) | 0.4610% | 4,743 |
| Pretax return on assets | 0.6575% | 4,463 |
| Return on Equity (ROE) | 4.0246% | 4,889 |
| Retained earnings to average equity (ytd only) | 2.3930% | 4,718 |
| Net charge-offs to loans | 0.1587% | 3,534 |
| Credit loss provision to net charge-offs | 236.8421% | 1,303 |
| Earnings coverage of net charge-offs (x) | 8.3632% | 1,832 |
| Efficiency ratio | 80.8387% | 2,389 |
| Assets per employee ($millions) | 4.0527% | 3,735 |
| Cash dividends to net income (ytd only)* | 40.5405% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0662% | 2,258 |
| Loan loss allowance to noncurrent loans | 58.8547% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 3.1900% | 2,164 |
| Noncurrent loans to loans | 3.5107% | 2,123 |
| Net loans and leases to total assets | 66.5288% | 2,876 |
| Net loans and leases to deposits | 76.0371% | 3,413 |
| Net loans and leases to core deposits | 81.6849% | 3,497 |
| Total domestic deposits to total assets | 87.4952% | 2,662 |
| Equity capital to assets | 11.6613% | 2,151 |
| Core capital (leverage) ratio | 10.7981% | 2,356 |
| Tier 1 risk-based capital ratio | 13.9657% | 4,097 |
| Total risk-based capital ratio | 15.2226% | 4,066 |
| Memoranda: | ||
| Average total assets | $706,311,000 | 949 |
| Average earning assets | $640,949,000 | 949 |
| Average equity | $80,902,500 | 820 |
| Average total loans | $478,940,500 | 914 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3008% | 3,127 |
| Cost of funding earning assets | 0.8255% | 6,464 |
| Net interest margin | 4.4753% | 1,284 |
| Noninterest income to average assets | 0.4157% | 4,773 |
| Noninterest expense to average assets | 3.6206% | 1,875 |
| Loan and lease loss provision to assets | 0.2577% | 4,732 |
| Net operating income to assets | 0.4455% | 4,335 |
| Return on assets (ROA) | 0.5101% | 4,206 |
| Pretax return on assets | 0.6806% | 4,045 |
| Return on Equity (ROE) | 4.5820% | 4,257 |
| Retained earnings to average equity (ytd only) | 3.0222% | 3,732 |
| Net charge-offs to loans | 0.4392% | 3,860 |
| Credit loss provision to net charge-offs | 85.8731% | 5,293 |
| Earnings coverage of net charge-offs (x) | 2.8397% | 3,655 |
| Efficiency ratio | 80.5657% | 2,338 |
| Assets per employee ($millions) | 4.1846% | 3,409 |
| Cash dividends to net income (ytd only)* | 34.0420% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9663% | 2,388 |
| Loan loss allowance to noncurrent loans | 56.9651% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 3.2700% | 2,163 |
| Noncurrent loans to loans | 3.4518% | 2,196 |
| Net loans and leases to total assets | 66.3573% | 3,393 |
| Net loans and leases to deposits | 75.5098% | 3,915 |
| Net loans and leases to core deposits | 82.5096% | 3,816 |
| Total domestic deposits to total assets | 87.8791% | 2,320 |
| Equity capital to assets | 11.2525% | 2,452 |
| Core capital (leverage) ratio | 10.4589% | 2,597 |
| Tier 1 risk-based capital ratio | 13.5971% | 4,136 |
| Total risk-based capital ratio | 14.8531% | 4,099 |
| Memoranda: | ||
| Average total assets | $719,334,600 | 929 |
| Average earning assets | $652,129,000 | 936 |
| Average equity | $80,074,600 | 824 |
| Average total loans | $491,586,400 | 909 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3412% | 3,160 |
| Cost of funding earning assets | 0.8928% | 6,420 |
| Net interest margin | 4.4484% | 1,378 |
| Noninterest income to average assets | 0.3898% | 5,039 |
| Noninterest expense to average assets | 3.6485% | 1,674 |
| Loan and lease loss provision to assets | 0.1905% | 5,140 |
| Net operating income to assets | 0.4434% | 4,576 |
| Return on assets (ROA) | 0.5126% | 4,450 |
| Pretax return on assets | 0.6708% | 4,342 |
| Return on Equity (ROE) | 4.6170% | 4,492 |
| Retained earnings to average equity (ytd only) | 3.0847% | 4,277 |
| Net charge-offs to loans | 0.4345% | 3,557 |
| Credit loss provision to net charge-offs | 63.9925% | 5,592 |
| Earnings coverage of net charge-offs (x) | 2.5877% | 3,858 |
| Efficiency ratio | 82.1625% | 2,043 |
| Assets per employee ($millions) | 4.1334% | 3,590 |
| Cash dividends to net income (ytd only)* | 33.1888% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9083% | 2,460 |
| Loan loss allowance to noncurrent loans | 53.4528% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 3.2871% | 2,174 |
| Noncurrent loans to loans | 3.5701% | 2,196 |
| Net loans and leases to total assets | 65.3575% | 3,831 |
| Net loans and leases to deposits | 74.4051% | 4,440 |
| Net loans and leases to core deposits | 80.8718% | 4,399 |
| Total domestic deposits to total assets | 87.8401% | 2,059 |
| Equity capital to assets | 11.2334% | 2,744 |
| Core capital (leverage) ratio | 10.3568% | 2,852 |
| Tier 1 risk-based capital ratio | 13.2624% | 4,379 |
| Total risk-based capital ratio | 14.5174% | 4,344 |
| Memoranda: | ||
| Average total assets | $720,277,500 | 932 |
| Average earning assets | $652,348,500 | 936 |
| Average equity | $79,963,500 | 822 |
| Average total loans | $493,395,000 | 914 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3853% | 3,041 |
| Cost of funding earning assets | 0.9335% | 6,452 |
| Net interest margin | 4.4517% | 1,313 |
| Noninterest income to average assets | 0.3496% | 5,353 |
| Noninterest expense to average assets | 3.6575% | 1,652 |
| Loan and lease loss provision to assets | 0.1574% | 5,318 |
| Net operating income to assets | 0.4498% | 4,557 |
| Return on assets (ROA) | 0.4859% | 4,547 |
| Pretax return on assets | 0.6054% | 4,552 |
| Return on Equity (ROE) | 4.3942% | 4,602 |
| Retained earnings to average equity (ytd only) | 2.8900% | 4,301 |
| Net charge-offs to loans | 0.5311% | 2,942 |
| Credit loss provision to net charge-offs | 42.8680% | 5,557 |
| Earnings coverage of net charge-offs (x) | 1.9545% | 4,055 |
| Efficiency ratio | 83.1317% | 2,024 |
| Assets per employee ($millions) | 3.9442% | 3,874 |
| Cash dividends to net income (ytd only)* | 34.2317% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8533% | 2,556 |
| Loan loss allowance to noncurrent loans | 64.3277% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 3.1569% | 2,244 |
| Noncurrent loans to loans | 2.8810% | 2,776 |
| Net loans and leases to total assets | 66.5915% | 3,713 |
| Net loans and leases to deposits | 77.4955% | 4,081 |
| Net loans and leases to core deposits | 83.5758% | 4,197 |
| Total domestic deposits to total assets | 85.9295% | 3,131 |
| Equity capital to assets | 11.1312% | 2,742 |
| Core capital (leverage) ratio | 10.6142% | 2,530 |
| Tier 1 risk-based capital ratio | 13.4676% | 4,086 |
| Total risk-based capital ratio | 14.7220% | 4,051 |
| Memoranda: | ||
| Average total assets | $717,876,000 | 936 |
| Average earning assets | $649,143,330 | 945 |
| Average equity | $79,377,670 | 822 |
| Average total loans | $496,288,670 | 920 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3736% | 3,173 |
| Cost of funding earning assets | 1.0500% | 6,135 |
| Net interest margin | 4.3236% | 1,619 |
| Noninterest income to average assets | 0.4464% | 4,511 |
| Noninterest expense to average assets | 3.5624% | 1,814 |
| Loan and lease loss provision to assets | 0.1397% | 5,155 |
| Net operating income to assets | 0.5138% | 4,325 |
| Return on assets (ROA) | 0.5615% | 4,221 |
| Pretax return on assets | 0.7113% | 4,192 |
| Return on Equity (ROE) | 5.0954% | 4,313 |
| Retained earnings to average equity (ytd only) | 3.4578% | 4,074 |
| Net charge-offs to loans | 0.7871% | 1,951 |
| Credit loss provision to net charge-offs | 25.4323% | 4,888 |
| Earnings coverage of net charge-offs (x) | 1.4395% | 3,883 |
| Efficiency ratio | 81.2989% | 2,374 |
| Assets per employee ($millions) | 3.9975% | 3,878 |
| Cash dividends to net income (ytd only)* | 32.1393% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8377% | 2,614 |
| Loan loss allowance to noncurrent loans | 49.9643% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 3.4915% | 2,015 |
| Noncurrent loans to loans | 3.6781% | 2,163 |
| Net loans and leases to total assets | 67.1503% | 3,592 |
| Net loans and leases to deposits | 77.9063% | 4,062 |
| Net loans and leases to core deposits | 84.3706% | 4,159 |
| Total domestic deposits to total assets | 86.1937% | 3,033 |
| Equity capital to assets | 10.9479% | 2,813 |
| Core capital (leverage) ratio | 10.5657% | 2,562 |
| Tier 1 risk-based capital ratio | 13.3372% | 4,096 |
| Total risk-based capital ratio | 14.5916% | 4,051 |
| Memoranda: | ||
| Average total assets | $715,918,000 | 961 |
| Average earning assets | $646,863,500 | 971 |
| Average equity | $78,894,500 | 837 |
| Average total loans | $499,569,000 | 939 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8547% | 2,422 |
| Cost of funding earning assets | 1.4711% | 5,631 |
| Net interest margin | 4.3836% | 1,482 |
| Noninterest income to average assets | 0.2839% | 6,072 |
| Noninterest expense to average assets | 3.7121% | 1,888 |
| Loan and lease loss provision to assets | 0.6776% | 3,109 |
| Net operating income to assets | -0.0604% | 5,603 |
| Return on assets (ROA) | 0.0865% | 5,293 |
| Pretax return on assets | 0.0000% | 5,446 |
| Return on Equity (ROE) | 0.7699% | 5,302 |
| Retained earnings to average equity (ytd only) | -1.0467% | 5,274 |
| Net charge-offs to loans | 0.3653% | 4,395 |
| Credit loss provision to net charge-offs | 249.5114% | 1,420 |
| Earnings coverage of net charge-offs (x) | 1.9539% | 4,259 |
| Efficiency ratio | 86.8441% | 2,015 |
| Assets per employee ($millions) | 3.8286% | 4,211 |
| Cash dividends to net income (ytd only)* | 235.9455% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9495% | 2,147 |
| Loan loss allowance to noncurrent loans | 38.3705% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 4.6501% | 1,374 |
| Noncurrent loans to loans | 5.0807% | 1,322 |
| Net loans and leases to total assets | 69.7948% | 3,307 |
| Net loans and leases to deposits | 82.5248% | 3,541 |
| Net loans and leases to core deposits | 95.1826% | 4,551 |
| Total domestic deposits to total assets | 84.5744% | 3,767 |
| Equity capital to assets | 11.0938% | 2,629 |
| Core capital (leverage) ratio | 10.7274% | 2,405 |
| Tier 1 risk-based capital ratio | 12.9893% | 4,152 |
| Total risk-based capital ratio | 14.2449% | 4,094 |
| Memoranda: | ||
| Average total assets | $678,297,400 | 1,015 |
| Average earning assets | $612,552,400 | 1,021 |
| Average equity | $76,240,800 | 848 |
| Average total loans | $504,248,400 | 946 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9067% | 2,423 |
| Cost of funding earning assets | 1.5340% | 5,694 |
| Net interest margin | 4.3727% | 1,517 |
| Noninterest income to average assets | 0.3325% | 5,831 |
| Noninterest expense to average assets | 3.7660% | 1,671 |
| Loan and lease loss provision to assets | 0.7346% | 2,542 |
| Net operating income to assets | -0.1028% | 5,894 |
| Return on assets (ROA) | 0.0123% | 5,739 |
| Pretax return on assets | -0.0368% | 5,761 |
| Return on Equity (ROE) | 0.1093% | 5,742 |
| Retained earnings to average equity (ytd only) | -1.7641% | 5,674 |
| Net charge-offs to loans | 0.3562% | 3,862 |
| Credit loss provision to net charge-offs | 274.3875% | 1,548 |
| Earnings coverage of net charge-offs (x) | 1.9347% | 4,366 |
| Efficiency ratio | 87.2408% | 1,941 |
| Assets per employee ($millions) | 3.8635% | 4,042 |
| Cash dividends to net income (ytd only)* | 1,714.6141% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8265% | 2,200 |
| Loan loss allowance to noncurrent loans | 41.4205% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 4.6014% | 1,315 |
| Noncurrent loans to loans | 4.4096% | 1,598 |
| Net loans and leases to total assets | 72.4359% | 2,927 |
| Net loans and leases to deposits | 86.5528% | 3,213 |
| Net loans and leases to core deposits | 100.7412% | 4,288 |
| Total domestic deposits to total assets | 83.6899% | 3,866 |
| Equity capital to assets | 11.2541% | 2,788 |
| Core capital (leverage) ratio | 10.9081% | 2,473 |
| Tier 1 risk-based capital ratio | 12.4937% | 4,543 |
| Total risk-based capital ratio | 13.7478% | 4,495 |
| Memoranda: | ||
| Average total assets | $670,799,500 | 1,040 |
| Average earning assets | $606,171,500 | 1,043 |
| Average equity | $75,657,000 | 865 |
| Average total loans | $504,266,000 | 966 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8751% | 2,694 |
| Cost of funding earning assets | 1.5663% | 5,857 |
| Net interest margin | 4.3088% | 1,636 |
| Noninterest income to average assets | 0.2928% | 6,170 |
| Noninterest expense to average assets | 3.8754% | 1,527 |
| Loan and lease loss provision to assets | 0.8771% | 1,922 |
| Net operating income to assets | -0.4183% | 6,466 |
| Return on assets (ROA) | -0.3632% | 6,418 |
| Pretax return on assets | -0.4908% | 6,417 |
| Return on Equity (ROE) | -3.2180% | 6,389 |
| Retained earnings to average equity (ytd only) | -5.2222% | 6,338 |
| Net charge-offs to loans | 0.3517% | 3,429 |
| Credit loss provision to net charge-offs | 329.5455% | 1,410 |
| Earnings coverage of net charge-offs (x) | 1.1716% | 4,646 |
| Efficiency ratio | 91.8165% | 1,655 |
| Assets per employee ($millions) | 3.5968% | 4,574 |
| Cash dividends to net income (ytd only)* | -62.2814% | 8,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8322% | 1,961 |
| Loan loss allowance to noncurrent loans | 33.8192% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 4.8934% | 1,104 |
| Noncurrent loans to loans | 5.4175% | 1,077 |
| Net loans and leases to total assets | 73.6337% | 2,805 |
| Net loans and leases to deposits | 90.4863% | 2,750 |
| Net loans and leases to core deposits | 107.2076% | 3,702 |
| Total domestic deposits to total assets | 81.3755% | 4,935 |
| Equity capital to assets | 11.7312% | 2,366 |
| Core capital (leverage) ratio | 11.1248% | 2,315 |
| Tier 1 risk-based capital ratio | 12.6744% | 4,376 |
| Total risk-based capital ratio | 13.9283% | 4,292 |
| Memoranda: | ||
| Average total assets | $661,302,670 | 1,077 |
| Average earning assets | $597,713,000 | 1,078 |
| Average equity | $74,643,000 | 891 |
| Average total loans | $500,367,670 | 995 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9695% | 2,480 |
| Cost of funding earning assets | 1.5532% | 6,223 |
| Net interest margin | 4.4164% | 1,307 |
| Noninterest income to average assets | 0.0793% | 7,659 |
| Noninterest expense to average assets | 3.7643% | 1,539 |
| Loan and lease loss provision to assets | 1.2949% | 994 |
| Net operating income to assets | -0.7309% | 7,083 |
| Return on assets (ROA) | -0.7291% | 7,112 |
| Pretax return on assets | -0.9875% | 7,151 |
| Return on Equity (ROE) | -6.5896% | 7,114 |
| Retained earnings to average equity (ytd only) | -9.0778% | 7,022 |
| Net charge-offs to loans | 0.3894% | 2,541 |
| Credit loss provision to net charge-offs | 437.6278% | 1,204 |
| Earnings coverage of net charge-offs (x) | 1.0307% | 4,251 |
| Efficiency ratio | 91.7472% | 1,591 |
| Assets per employee ($millions) | 3.6129% | 4,540 |
| Cash dividends to net income (ytd only)* | -37.7593% | 8,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7465% | 1,990 |
| Loan loss allowance to noncurrent loans | 70.5816% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 2.7252% | 2,086 |
| Noncurrent loans to loans | 2.4744% | 2,661 |
| Net loans and leases to total assets | 74.2491% | 2,694 |
| Net loans and leases to deposits | 95.1120% | 2,092 |
| Net loans and leases to core deposits | 114.4267% | 2,965 |
| Total domestic deposits to total assets | 78.0649% | 5,992 |
| Equity capital to assets | 11.8378% | 2,356 |
| Core capital (leverage) ratio | 11.4265% | 2,192 |
| Tier 1 risk-based capital ratio | 12.5149% | 4,539 |
| Total risk-based capital ratio | 13.7677% | 4,452 |
| Memoranda: | ||
| Average total assets | $661,051,000 | 1,075 |
| Average earning assets | $597,233,500 | 1,078 |
| Average equity | $73,145,500 | 916 |
| Average total loans | $502,348,000 | 996 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6834% | 2,088 |
| Cost of funding earning assets | 1.9506% | 6,565 |
| Net interest margin | 4.7328% | 903 |
| Noninterest income to average assets | 0.7803% | 2,619 |
| Noninterest expense to average assets | 3.8168% | 1,725 |
| Loan and lease loss provision to assets | 0.4650% | 2,974 |
| Net operating income to assets | 0.6612% | 4,058 |
| Return on assets (ROA) | 0.6227% | 4,067 |
| Pretax return on assets | 0.7182% | 4,340 |
| Return on Equity (ROE) | 6.0893% | 3,907 |
| Retained earnings to average equity (ytd only) | 0.9034% | 4,688 |
| Net charge-offs to loans | 0.3232% | 3,236 |
| Credit loss provision to net charge-offs | 189.3657% | 2,610 |
| Earnings coverage of net charge-offs (x) | 4.9988% | 3,791 |
| Efficiency ratio | 74.9584% | 3,406 |
| Assets per employee ($millions) | 3.6719% | 4,232 |
| Cash dividends to net income (ytd only)* | 85.1643% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 3,193 |
| Loan loss allowance to noncurrent loans | 50.1702% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 2.6718% | 1,783 |
| Noncurrent loans to loans | 2.7921% | 1,947 |
| Net loans and leases to total assets | 75.3455% | 2,796 |
| Net loans and leases to deposits | 99.4048% | 1,922 |
| Net loans and leases to core deposits | 121.2259% | 2,588 |
| Total domestic deposits to total assets | 75.7967% | 6,290 |
| Equity capital to assets | 10.2920% | 3,725 |
| Core capital (leverage) ratio | 9.6807% | 3,790 |
| Tier 1 risk-based capital ratio | 10.6518% | 6,045 |
| Total risk-based capital ratio | 11.8435% | 6,013 |
| Memoranda: | ||
| Average total assets | $654,868,200 | 1,024 |
| Average earning assets | $589,987,200 | 1,045 |
| Average equity | $66,969,800 | 994 |
| Average total loans | $497,468,200 | 965 |