Home > First South Bank > Performance and Condition Ratios
First South Bank, Performance and Condition Ratios
| 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 | 1.1068% | 5,770 |
| Cost of funding earning assets | 0.0811% | 5,652 |
| Net interest margin | 1.0257% | 5,768 |
| Noninterest income to average assets | 0.2958% | 4,424 |
| Noninterest expense to average assets | 0.5820% | 5,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4478% | 4,859 |
| Return on assets (ROA) | 0.4504% | 4,877 |
| Pretax return on assets | 0.6426% | 4,711 |
| Return on Equity (ROE) | 3.4321% | 4,993 |
| Retained earnings to average equity (ytd only) | 3.4321% | 3,669 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6044% | 5,411 |
| Assets per employee ($millions) | 4.5648% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,731 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 0.8120% | 2,183 |
| Noncurrent loans to loans | 1.2893% | 1,492 |
| Net loans and leases to total assets | 52.4025% | 4,531 |
| Net loans and leases to deposits | 65.6781% | 4,244 |
| Net loans and leases to core deposits | 68.7907% | 4,315 |
| Total domestic deposits to total assets | 79.7869% | 4,459 |
| Equity capital to assets | 15.4829% | 619 |
| Core capital (leverage) ratio | 9.1611% | 4,544 |
| Tier 1 risk-based capital ratio | 14.2130% | 3,302 |
| Total risk-based capital ratio | 14.2130% | 3,940 |
| Memoranda: | ||
| Average total assets | $478,689,330 | 1,471 |
| Average earning assets | $431,708,330 | 1,512 |
| Average equity | $62,818,670 | 1,265 |
| Average total loans | $254,491,670 | 1,798 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8644% | 3,529 |
| Cost of funding earning assets | 0.3200% | 3,855 |
| Net interest margin | 3.5444% | 3,102 |
| Noninterest income to average assets | 1.6585% | 411 |
| Noninterest expense to average assets | 3.1733% | 1,687 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6375% | 629 |
| Return on assets (ROA) | 1.6375% | 646 |
| Pretax return on assets | 1.7517% | 900 |
| Return on Equity (ROE) | 13.7326% | 854 |
| Retained earnings to average equity (ytd only) | 13.7326% | 316 |
| Net charge-offs to loans | 0.0251% | 2,259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 130.3125% | 422 |
| Efficiency ratio | 64.2955% | 3,782 |
| Assets per employee ($millions) | 3.9364% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 4,558 |
| Loan loss allowance to noncurrent loans | 753.2710% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 4,463 |
| Noncurrent loans to loans | 0.1260% | 4,683 |
| Net loans and leases to total assets | 52.9890% | 4,427 |
| Net loans and leases to deposits | 63.9689% | 4,312 |
| Net loans and leases to core deposits | 67.0494% | 4,351 |
| Total domestic deposits to total assets | 82.8356% | 3,907 |
| Equity capital to assets | 12.2018% | 1,708 |
| Core capital (leverage) ratio | 10.6771% | 2,709 |
| Tier 1 risk-based capital ratio | 16.0051% | 2,547 |
| Total risk-based capital ratio | 16.7930% | 2,667 |
| Memoranda: | ||
| Average total assets | $476,102,000 | 1,486 |
| Average earning assets | $438,772,500 | 1,488 |
| Average equity | $56,770,000 | 1,386 |
| Average total loans | $254,959,000 | 1,805 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9643% | 3,334 |
| Cost of funding earning assets | 0.3431% | 3,603 |
| Net interest margin | 3.6212% | 2,996 |
| Noninterest income to average assets | 1.6025% | 475 |
| Noninterest expense to average assets | 3.4583% | 1,236 |
| Loan and lease loss provision to assets | 0.0259% | 3,834 |
| Net operating income to assets | 1.3548% | 1,087 |
| Return on assets (ROA) | 1.3690% | 1,112 |
| Pretax return on assets | 1.4583% | 1,722 |
| Return on Equity (ROE) | 11.2194% | 1,498 |
| Retained earnings to average equity (ytd only) | 5.3835% | 2,086 |
| Net charge-offs to loans | 0.1117% | 2,151 |
| Credit loss provision to net charge-offs | 41.9580% | 3,480 |
| Earnings coverage of net charge-offs (x) | 23.8252% | 1,662 |
| Efficiency ratio | 70.0547% | 2,893 |
| Assets per employee ($millions) | 3.8054% | 4,299 |
| Cash dividends to net income (ytd only)* | 52.0157% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 4,551 |
| Loan loss allowance to noncurrent loans | 672.3757% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.2071% | 4,489 |
| Noncurrent loans to loans | 0.1420% | 4,663 |
| Net loans and leases to total assets | 53.0750% | 4,518 |
| Net loans and leases to deposits | 63.7057% | 4,434 |
| Net loans and leases to core deposits | 66.9051% | 4,471 |
| Total domestic deposits to total assets | 83.3128% | 3,659 |
| Equity capital to assets | 11.6512% | 2,041 |
| Core capital (leverage) ratio | 10.1049% | 3,357 |
| Tier 1 risk-based capital ratio | 15.3979% | 2,793 |
| Total risk-based capital ratio | 16.1921% | 2,926 |
| Memoranda: | ||
| Average total assets | $463,836,800 | 1,469 |
| Average earning assets | $425,880,800 | 1,482 |
| Average equity | $56,598,400 | 1,362 |
| Average total loans | $256,039,600 | 1,760 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 3,294 |
| Cost of funding earning assets | 0.3440% | 3,612 |
| Net interest margin | 3.6386% | 2,932 |
| Noninterest income to average assets | 1.6704% | 445 |
| Noninterest expense to average assets | 3.4467% | 1,254 |
| Loan and lease loss provision to assets | 0.0347% | 3,541 |
| Net operating income to assets | 1.4283% | 1,006 |
| Return on assets (ROA) | 1.4473% | 1,027 |
| Pretax return on assets | 1.5474% | 1,547 |
| Return on Equity (ROE) | 11.7247% | 1,410 |
| Retained earnings to average equity (ytd only) | 3.9840% | 3,474 |
| Net charge-offs to loans | 0.1883% | 1,239 |
| Credit loss provision to net charge-offs | 33.1492% | 3,202 |
| Earnings coverage of net charge-offs (x) | 14.9145% | 2,215 |
| Efficiency ratio | 68.6825% | 3,101 |
| Assets per employee ($millions) | 3.6656% | 4,549 |
| Cash dividends to net income (ytd only)* | 66.0204% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9056% | 4,847 |
| Loan loss allowance to noncurrent loans | 615.6658% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 4,485 |
| Noncurrent loans to loans | 0.1471% | 4,756 |
| Net loans and leases to total assets | 55.8665% | 4,319 |
| Net loans and leases to deposits | 69.2152% | 4,044 |
| Net loans and leases to core deposits | 73.0277% | 4,083 |
| Total domestic deposits to total assets | 80.7142% | 4,320 |
| Equity capital to assets | 12.6666% | 1,669 |
| Core capital (leverage) ratio | 10.1236% | 3,409 |
| Tier 1 risk-based capital ratio | 15.1614% | 2,969 |
| Total risk-based capital ratio | 15.9418% | 3,132 |
| Memoranda: | ||
| Average total assets | $460,877,000 | 1,481 |
| Average earning assets | $422,830,500 | 1,491 |
| Average equity | $56,892,500 | 1,358 |
| Average total loans | $256,324,750 | 1,761 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9513% | 3,421 |
| Cost of funding earning assets | 0.3429% | 3,644 |
| Net interest margin | 3.6085% | 3,071 |
| Noninterest income to average assets | 1.7358% | 424 |
| Noninterest expense to average assets | 3.4524% | 1,258 |
| Loan and lease loss provision to assets | 0.0521% | 3,103 |
| Net operating income to assets | 1.4422% | 986 |
| Return on assets (ROA) | 1.4691% | 989 |
| Pretax return on assets | 1.5690% | 1,463 |
| Return on Equity (ROE) | 12.0058% | 1,320 |
| Retained earnings to average equity (ytd only) | 2.9456% | 4,042 |
| Net charge-offs to loans | 0.2785% | 858 |
| Credit loss provision to net charge-offs | 33.8028% | 2,823 |
| Earnings coverage of net charge-offs (x) | 10.3296% | 2,341 |
| Efficiency ratio | 68.3051% | 3,276 |
| Assets per employee ($millions) | 3.5190% | 4,723 |
| Cash dividends to net income (ytd only)* | 75.4656% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 4,890 |
| Loan loss allowance to noncurrent loans | 466.4694% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 4,454 |
| Noncurrent loans to loans | 0.1972% | 4,652 |
| Net loans and leases to total assets | 55.2679% | 4,385 |
| Net loans and leases to deposits | 67.1605% | 4,250 |
| Net loans and leases to core deposits | 70.9324% | 4,254 |
| Total domestic deposits to total assets | 82.2923% | 3,914 |
| Equity capital to assets | 12.4306% | 1,817 |
| Core capital (leverage) ratio | 10.0322% | 3,529 |
| Tier 1 risk-based capital ratio | 14.9624% | 3,093 |
| Total risk-based capital ratio | 15.7500% | 3,249 |
| Memoranda: | ||
| Average total assets | $460,548,670 | 1,491 |
| Average earning assets | $422,338,670 | 1,498 |
| Average equity | $56,356,000 | 1,374 |
| Average total loans | $254,971,670 | 1,770 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 3,479 |
| Cost of funding earning assets | 0.3383% | 3,739 |
| Net interest margin | 3.5876% | 3,135 |
| Noninterest income to average assets | 1.9482% | 352 |
| Noninterest expense to average assets | 3.5001% | 1,181 |
| Loan and lease loss provision to assets | 0.0261% | 3,331 |
| Net operating income to assets | 1.6008% | 700 |
| Return on assets (ROA) | 1.6032% | 739 |
| Pretax return on assets | 1.7144% | 1,038 |
| Return on Equity (ROE) | 13.2064% | 993 |
| Retained earnings to average equity (ytd only) | 7.2295% | 1,780 |
| Net charge-offs to loans | 0.0299% | 2,351 |
| Credit loss provision to net charge-offs | 157.8947% | 1,236 |
| Earnings coverage of net charge-offs (x) | 105.2632% | 524 |
| Efficiency ratio | 66.6888% | 3,688 |
| Assets per employee ($millions) | 3.5406% | 4,757 |
| Cash dividends to net income (ytd only)* | 45.2575% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 4,393 |
| Loan loss allowance to noncurrent loans | 196.7596% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 3,551 |
| Noncurrent loans to loans | 0.5285% | 3,605 |
| Net loans and leases to total assets | 53.9810% | 4,455 |
| Net loans and leases to deposits | 64.6011% | 4,382 |
| Net loans and leases to core deposits | 68.1058% | 4,394 |
| Total domestic deposits to total assets | 83.5604% | 3,689 |
| Equity capital to assets | 12.3725% | 1,770 |
| Core capital (leverage) ratio | 10.3119% | 3,180 |
| Tier 1 risk-based capital ratio | 14.9864% | 3,169 |
| Total risk-based capital ratio | 15.8562% | 3,276 |
| Memoranda: | ||
| Average total assets | $460,327,500 | 1,492 |
| Average earning assets | $422,126,000 | 1,500 |
| Average equity | $55,882,000 | 1,379 |
| Average total loans | $253,885,000 | 1,770 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9639% | 3,452 |
| Cost of funding earning assets | 0.3583% | 3,611 |
| Net interest margin | 3.6056% | 3,109 |
| Noninterest income to average assets | 1.6545% | 473 |
| Noninterest expense to average assets | 3.4916% | 1,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3647% | 1,114 |
| Return on assets (ROA) | 1.3996% | 1,081 |
| Pretax return on assets | 1.4954% | 1,569 |
| Return on Equity (ROE) | 11.3211% | 1,495 |
| Retained earnings to average equity (ytd only) | 0.4505% | 5,334 |
| Net charge-offs to loans | 0.1082% | 2,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 24.2546% | 1,684 |
| Efficiency ratio | 70.4034% | 3,161 |
| Assets per employee ($millions) | 3.5414% | 4,743 |
| Cash dividends to net income (ytd only)* | 96.0209% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 4,530 |
| Loan loss allowance to noncurrent loans | 276.3018% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 3,689 |
| Noncurrent loans to loans | 0.3666% | 4,134 |
| Net loans and leases to total assets | 55.1931% | 4,365 |
| Net loans and leases to deposits | 66.4999% | 4,271 |
| Net loans and leases to core deposits | 69.9839% | 4,300 |
| Total domestic deposits to total assets | 82.9974% | 3,833 |
| Equity capital to assets | 11.9068% | 2,026 |
| Core capital (leverage) ratio | 9.8627% | 3,698 |
| Tier 1 risk-based capital ratio | 14.5483% | 3,417 |
| Total risk-based capital ratio | 15.4079% | 3,548 |
| Memoranda: | ||
| Average total assets | $450,716,000 | 1,489 |
| Average earning assets | $411,937,800 | 1,497 |
| Average equity | $55,719,200 | 1,344 |
| Average total loans | $250,515,000 | 1,723 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9874% | 3,388 |
| Cost of funding earning assets | 0.3620% | 3,635 |
| Net interest margin | 3.6255% | 3,054 |
| Noninterest income to average assets | 1.7199% | 449 |
| Noninterest expense to average assets | 3.5062% | 1,274 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4248% | 1,054 |
| Return on assets (ROA) | 1.4704% | 1,006 |
| Pretax return on assets | 1.5718% | 1,468 |
| Return on Equity (ROE) | 11.7827% | 1,437 |
| Retained earnings to average equity (ytd only) | 4.4972% | 3,269 |
| Net charge-offs to loans | 0.1371% | 1,761 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 20.0081% | 1,898 |
| Efficiency ratio | 69.5819% | 3,274 |
| Assets per employee ($millions) | 3.4040% | 4,973 |
| Cash dividends to net income (ytd only)* | 61.8325% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 4,662 |
| Loan loss allowance to noncurrent loans | 238.1603% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 3,731 |
| Noncurrent loans to loans | 0.4266% | 4,071 |
| Net loans and leases to total assets | 57.5718% | 4,192 |
| Net loans and leases to deposits | 71.4097% | 3,834 |
| Net loans and leases to core deposits | 75.1382% | 3,896 |
| Total domestic deposits to total assets | 80.6218% | 4,574 |
| Equity capital to assets | 12.8960% | 1,511 |
| Core capital (leverage) ratio | 10.4403% | 3,119 |
| Tier 1 risk-based capital ratio | 15.1520% | 3,215 |
| Total risk-based capital ratio | 16.0204% | 3,355 |
| Memoranda: | ||
| Average total assets | $448,301,000 | 1,506 |
| Average earning assets | $409,243,750 | 1,514 |
| Average equity | $55,945,000 | 1,344 |
| Average total loans | $248,969,750 | 1,746 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9308% | 3,570 |
| Cost of funding earning assets | 0.3598% | 3,703 |
| Net interest margin | 3.5710% | 3,204 |
| Noninterest income to average assets | 1.7236% | 456 |
| Noninterest expense to average assets | 3.4725% | 1,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4150% | 1,058 |
| Return on assets (ROA) | 1.4797% | 980 |
| Pretax return on assets | 1.5823% | 1,386 |
| Return on Equity (ROE) | 11.9883% | 1,376 |
| Retained earnings to average equity (ytd only) | 3.6674% | 3,690 |
| Net charge-offs to loans | 0.1958% | 1,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 14.1369% | 2,078 |
| Efficiency ratio | 69.5118% | 3,414 |
| Assets per employee ($millions) | 3.3104% | 5,145 |
| Cash dividends to net income (ytd only)* | 69.4086% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 4,750 |
| Loan loss allowance to noncurrent loans | 141.2460% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.6872% | 3,343 |
| Noncurrent loans to loans | 0.7245% | 3,310 |
| Net loans and leases to total assets | 56.9220% | 4,233 |
| Net loans and leases to deposits | 70.6056% | 3,863 |
| Net loans and leases to core deposits | 74.3704% | 3,926 |
| Total domestic deposits to total assets | 80.6197% | 4,715 |
| Equity capital to assets | 12.3493% | 1,771 |
| Core capital (leverage) ratio | 10.1846% | 3,355 |
| Tier 1 risk-based capital ratio | 14.7252% | 3,517 |
| Total risk-based capital ratio | 15.5908% | 3,654 |
| Memoranda: | ||
| Average total assets | $450,226,670 | 1,512 |
| Average earning assets | $411,313,330 | 1,514 |
| Average equity | $55,570,670 | 1,363 |
| Average total loans | $246,165,000 | 1,771 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7917% | 4,045 |
| Cost of funding earning assets | 0.3547% | 3,807 |
| Net interest margin | 3.4370% | 3,680 |
| Noninterest income to average assets | 1.8288% | 409 |
| Noninterest expense to average assets | 3.5044% | 1,298 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3695% | 1,093 |
| Return on assets (ROA) | 1.4127% | 1,065 |
| Pretax return on assets | 1.5092% | 1,537 |
| Return on Equity (ROE) | 11.4489% | 1,500 |
| Retained earnings to average equity (ytd only) | 6.5709% | 2,203 |
| Net charge-offs to loans | 0.0648% | 2,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 42.3846% | 942 |
| Efficiency ratio | 70.4027% | 3,409 |
| Assets per employee ($millions) | 3.3182% | 5,207 |
| Cash dividends to net income (ytd only)* | 42.6065% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 4,073 |
| Loan loss allowance to noncurrent loans | 64.0724% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 1.2780% | 2,084 |
| Noncurrent loans to loans | 1.8448% | 1,457 |
| Net loans and leases to total assets | 52.8543% | 4,570 |
| Net loans and leases to deposits | 64.5709% | 4,309 |
| Net loans and leases to core deposits | 67.9378% | 4,329 |
| Total domestic deposits to total assets | 81.8547% | 4,550 |
| Equity capital to assets | 12.6796% | 1,579 |
| Core capital (leverage) ratio | 10.2560% | 3,273 |
| Tier 1 risk-based capital ratio | 15.1590% | 3,346 |
| Total risk-based capital ratio | 16.1208% | 3,438 |
| Memoranda: | ||
| Average total assets | $451,886,000 | 1,513 |
| Average earning assets | $412,689,500 | 1,520 |
| Average equity | $55,761,000 | 1,368 |
| Average total loans | $240,738,000 | 1,806 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9180% | 4,059 |
| Cost of funding earning assets | 0.3707% | 4,034 |
| Net interest margin | 3.5473% | 3,612 |
| Noninterest income to average assets | 1.5294% | 528 |
| Noninterest expense to average assets | 3.4164% | 1,663 |
| Loan and lease loss provision to assets | -0.2352% | 6,325 |
| Net operating income to assets | 1.4836% | 905 |
| Return on assets (ROA) | 1.5021% | 912 |
| Pretax return on assets | 1.6066% | 1,218 |
| Return on Equity (ROE) | 12.4128% | 1,291 |
| Retained earnings to average equity (ytd only) | 3.5854% | 3,667 |
| Net charge-offs to loans | -0.3938% | 6,365 |
| Credit loss provision to net charge-offs | 109.9156% | 2,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6538% | 3,266 |
| Assets per employee ($millions) | 3.3764% | 5,115 |
| Cash dividends to net income (ytd only)* | 71.1151% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 4,085 |
| Loan loss allowance to noncurrent loans | 57.4200% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 1.3163% | 2,140 |
| Noncurrent loans to loans | 2.0671% | 1,324 |
| Net loans and leases to total assets | 52.4354% | 4,749 |
| Net loans and leases to deposits | 64.7172% | 4,454 |
| Net loans and leases to core deposits | 68.1489% | 4,491 |
| Total domestic deposits to total assets | 81.0224% | 4,741 |
| Equity capital to assets | 12.0055% | 2,014 |
| Core capital (leverage) ratio | 9.8300% | 3,799 |
| Tier 1 risk-based capital ratio | 16.3219% | 2,802 |
| Total risk-based capital ratio | 17.4008% | 2,834 |
| Memoranda: | ||
| Average total assets | $442,981,600 | 1,501 |
| Average earning assets | $404,419,400 | 1,511 |
| Average equity | $53,606,000 | 1,362 |
| Average total loans | $240,715,000 | 1,755 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9479% | 3,979 |
| Cost of funding earning assets | 0.3750% | 4,075 |
| Net interest margin | 3.5730% | 3,539 |
| Noninterest income to average assets | 1.5492% | 526 |
| Noninterest expense to average assets | 3.4017% | 1,660 |
| Loan and lease loss provision to assets | -0.3159% | 6,475 |
| Net operating income to assets | 1.6136% | 728 |
| Return on assets (ROA) | 1.6387% | 711 |
| Pretax return on assets | 1.7518% | 975 |
| Return on Equity (ROE) | 13.5138% | 1,094 |
| Retained earnings to average equity (ytd only) | 6.6832% | 1,992 |
| Net charge-offs to loans | -0.5252% | 6,467 |
| Credit loss provision to net charge-offs | 110.0317% | 2,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7083% | 3,386 |
| Assets per employee ($millions) | 3.5357% | 4,794 |
| Cash dividends to net income (ytd only)* | 50.5458% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 4,432 |
| Loan loss allowance to noncurrent loans | 56.1205% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 1.4857% | 2,070 |
| Noncurrent loans to loans | 2.0711% | 1,515 |
| Net loans and leases to total assets | 56.1192% | 4,313 |
| Net loans and leases to deposits | 68.7511% | 4,046 |
| Net loans and leases to core deposits | 72.4413% | 4,109 |
| Total domestic deposits to total assets | 81.6266% | 4,620 |
| Equity capital to assets | 12.7132% | 1,579 |
| Core capital (leverage) ratio | 10.7592% | 2,747 |
| Tier 1 risk-based capital ratio | 17.2142% | 2,520 |
| Total risk-based capital ratio | 18.2827% | 2,560 |
| Memoranda: | ||
| Average total assets | $439,773,000 | 1,525 |
| Average earning assets | $401,450,750 | 1,531 |
| Average equity | $53,326,750 | 1,375 |
| Average total loans | $240,423,750 | 1,762 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8985% | 4,142 |
| Cost of funding earning assets | 0.3768% | 4,142 |
| Net interest margin | 3.5217% | 3,695 |
| Noninterest income to average assets | 1.5673% | 509 |
| Noninterest expense to average assets | 3.3511% | 1,800 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3377% | 1,213 |
| Return on assets (ROA) | 1.3752% | 1,161 |
| Pretax return on assets | 1.4699% | 1,634 |
| Return on Equity (ROE) | 11.5239% | 1,572 |
| Retained earnings to average equity (ytd only) | 5.5702% | 2,601 |
| Net charge-offs to loans | 0.0781% | 2,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 33.9355% | 1,173 |
| Efficiency ratio | 70.0910% | 3,643 |
| Assets per employee ($millions) | 3.4428% | 4,965 |
| Cash dividends to net income (ytd only)* | 51.6639% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 4,557 |
| Loan loss allowance to noncurrent loans | 46.5856% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 1.7591% | 1,847 |
| Noncurrent loans to loans | 2.5143% | 1,237 |
| Net loans and leases to total assets | 54.9902% | 4,410 |
| Net loans and leases to deposits | 66.4469% | 4,229 |
| Net loans and leases to core deposits | 69.9053% | 4,275 |
| Total domestic deposits to total assets | 82.7580% | 4,396 |
| Equity capital to assets | 12.2360% | 1,829 |
| Core capital (leverage) ratio | 10.4540% | 3,002 |
| Tier 1 risk-based capital ratio | 16.7889% | 2,712 |
| Total risk-based capital ratio | 17.8597% | 2,745 |
| Memoranda: | ||
| Average total assets | $441,402,330 | 1,521 |
| Average earning assets | $402,822,000 | 1,522 |
| Average equity | $52,673,000 | 1,380 |
| Average total loans | $238,257,000 | 1,769 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8024% | 4,482 |
| Cost of funding earning assets | 0.3758% | 4,243 |
| Net interest margin | 3.4266% | 4,003 |
| Noninterest income to average assets | 1.6832% | 440 |
| Noninterest expense to average assets | 3.3248% | 1,892 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3899% | 1,005 |
| Return on assets (ROA) | 1.3899% | 1,047 |
| Pretax return on assets | 1.4877% | 1,464 |
| Return on Equity (ROE) | 11.7966% | 1,463 |
| Retained earnings to average equity (ytd only) | 10.2980% | 896 |
| Net charge-offs to loans | 0.1431% | 1,867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 19.5595% | 1,369 |
| Efficiency ratio | 69.0875% | 3,985 |
| Assets per employee ($millions) | 3.4442% | 5,048 |
| Cash dividends to net income (ytd only)* | 12.7036% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 4,478 |
| Loan loss allowance to noncurrent loans | 47.7303% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 1.7225% | 2,046 |
| Noncurrent loans to loans | 2.5794% | 1,336 |
| Net loans and leases to total assets | 52.0213% | 4,674 |
| Net loans and leases to deposits | 61.5938% | 4,598 |
| Net loans and leases to core deposits | 64.6513% | 4,629 |
| Total domestic deposits to total assets | 84.4586% | 4,096 |
| Equity capital to assets | 11.9146% | 1,931 |
| Core capital (leverage) ratio | 10.3815% | 3,075 |
| Tier 1 risk-based capital ratio | 17.2374% | 2,579 |
| Total risk-based capital ratio | 18.3433% | 2,596 |
| Memoranda: | ||
| Average total assets | $441,766,000 | 1,521 |
| Average earning assets | $403,428,500 | 1,522 |
| Average equity | $52,049,000 | 1,391 |
| Average total loans | $234,785,500 | 1,791 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1847% | 3,398 |
| Cost of funding earning assets | 0.3963% | 4,690 |
| Net interest margin | 3.7884% | 2,692 |
| Noninterest income to average assets | 1.5475% | 596 |
| Noninterest expense to average assets | 3.3968% | 1,887 |
| Loan and lease loss provision to assets | 0.0256% | 4,617 |
| Net operating income to assets | 1.4675% | 882 |
| Return on assets (ROA) | 1.4718% | 923 |
| Pretax return on assets | 1.5883% | 1,200 |
| Return on Equity (ROE) | 12.3173% | 1,324 |
| Retained earnings to average equity (ytd only) | 5.4259% | 2,330 |
| Net charge-offs to loans | 0.3610% | 1,872 |
| Credit loss provision to net charge-offs | 12.6568% | 4,557 |
| Earnings coverage of net charge-offs (x) | 7.9532% | 2,758 |
| Efficiency ratio | 67.8527% | 4,222 |
| Assets per employee ($millions) | 3.3787% | 5,139 |
| Cash dividends to net income (ytd only)* | 55.9492% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 4,353 |
| Loan loss allowance to noncurrent loans | 52.2375% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 1.6688% | 2,213 |
| Noncurrent loans to loans | 2.4096% | 1,587 |
| Net loans and leases to total assets | 52.9548% | 4,732 |
| Net loans and leases to deposits | 62.9715% | 4,614 |
| Net loans and leases to core deposits | 65.8448% | 4,709 |
| Total domestic deposits to total assets | 84.0933% | 4,127 |
| Equity capital to assets | 11.6480% | 2,067 |
| Core capital (leverage) ratio | 10.2032% | 3,290 |
| Tier 1 risk-based capital ratio | 16.7314% | 2,750 |
| Total risk-based capital ratio | 17.8701% | 2,754 |
| Memoranda: | ||
| Average total assets | $433,412,400 | 1,527 |
| Average earning assets | $395,683,400 | 1,528 |
| Average equity | $51,789,000 | 1,369 |
| Average total loans | $242,968,000 | 1,703 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2492% | 3,204 |
| Cost of funding earning assets | 0.4033% | 4,795 |
| Net interest margin | 3.8459% | 2,481 |
| Noninterest income to average assets | 1.5964% | 573 |
| Noninterest expense to average assets | 3.3783% | 1,875 |
| Loan and lease loss provision to assets | 0.0167% | 4,680 |
| Net operating income to assets | 1.5993% | 749 |
| Return on assets (ROA) | 1.6044% | 788 |
| Pretax return on assets | 1.7183% | 1,061 |
| Return on Equity (ROE) | 13.3418% | 1,155 |
| Retained earnings to average equity (ytd only) | 6.7479% | 2,005 |
| Net charge-offs to loans | 0.4117% | 1,564 |
| Credit loss provision to net charge-offs | 7.1429% | 4,255 |
| Earnings coverage of net charge-offs (x) | 7.4114% | 2,802 |
| Efficiency ratio | 66.1409% | 4,454 |
| Assets per employee ($millions) | 3.2028% | 5,491 |
| Cash dividends to net income (ytd only)* | 49.4229% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 4,727 |
| Loan loss allowance to noncurrent loans | 53.2337% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 1.7922% | 2,285 |
| Noncurrent loans to loans | 2.3165% | 1,893 |
| Net loans and leases to total assets | 57.3840% | 4,106 |
| Net loans and leases to deposits | 68.7828% | 3,961 |
| Net loans and leases to core deposits | 72.0309% | 4,086 |
| Total domestic deposits to total assets | 83.4279% | 4,402 |
| Equity capital to assets | 12.1891% | 1,790 |
| Core capital (leverage) ratio | 10.4432% | 3,069 |
| Tier 1 risk-based capital ratio | 16.3079% | 3,029 |
| Total risk-based capital ratio | 17.4465% | 3,043 |
| Memoranda: | ||
| Average total assets | $431,956,750 | 1,544 |
| Average earning assets | $394,386,750 | 1,544 |
| Average equity | $51,945,750 | 1,379 |
| Average total loans | $244,819,750 | 1,697 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2354% | 3,207 |
| Cost of funding earning assets | 0.4067% | 4,877 |
| Net interest margin | 3.8288% | 2,452 |
| Noninterest income to average assets | 1.6280% | 605 |
| Noninterest expense to average assets | 3.3373% | 1,974 |
| Loan and lease loss provision to assets | 0.0115% | 4,643 |
| Net operating income to assets | 1.6649% | 668 |
| Return on assets (ROA) | 1.6726% | 719 |
| Pretax return on assets | 1.7893% | 950 |
| Return on Equity (ROE) | 13.9698% | 1,013 |
| Retained earnings to average equity (ytd only) | 6.1900% | 2,328 |
| Net charge-offs to loans | -0.0065% | 5,687 |
| Credit loss provision to net charge-offs | -312.5000% | 5,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0565% | 4,700 |
| Assets per employee ($millions) | 3.2510% | 5,374 |
| Cash dividends to net income (ytd only)* | 55.6899% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 3,423 |
| Loan loss allowance to noncurrent loans | 120.5637% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 1.1435% | 3,458 |
| Noncurrent loans to loans | 1.2726% | 3,426 |
| Net loans and leases to total assets | 56.7196% | 4,173 |
| Net loans and leases to deposits | 68.0345% | 4,010 |
| Net loans and leases to core deposits | 71.2247% | 4,144 |
| Total domestic deposits to total assets | 83.3689% | 4,562 |
| Equity capital to assets | 11.8077% | 2,040 |
| Core capital (leverage) ratio | 10.0929% | 3,383 |
| Tier 1 risk-based capital ratio | 16.0587% | 3,161 |
| Total risk-based capital ratio | 17.3110% | 3,101 |
| Memoranda: | ||
| Average total assets | $435,018,670 | 1,531 |
| Average earning assets | $397,883,330 | 1,530 |
| Average equity | $52,083,670 | 1,379 |
| Average total loans | $244,549,000 | 1,692 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1928% | 3,334 |
| Cost of funding earning assets | 0.4095% | 5,015 |
| Net interest margin | 3.7832% | 2,508 |
| Noninterest income to average assets | 1.6615% | 562 |
| Noninterest expense to average assets | 3.3058% | 2,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7034% | 581 |
| Return on assets (ROA) | 1.7180% | 624 |
| Pretax return on assets | 1.8344% | 830 |
| Return on Equity (ROE) | 14.2538% | 915 |
| Retained earnings to average equity (ytd only) | 9.9429% | 1,122 |
| Net charge-offs to loans | 0.0229% | 3,715 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 142.7857% | 279 |
| Efficiency ratio | 64.5064% | 4,920 |
| Assets per employee ($millions) | 3.2319% | 5,566 |
| Cash dividends to net income (ytd only)* | 30.2436% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 3,664 |
| Loan loss allowance to noncurrent loans | 98.9880% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.3147% | 3,330 |
| Noncurrent loans to loans | 1.5528% | 3,215 |
| Net loans and leases to total assets | 55.3924% | 4,183 |
| Net loans and leases to deposits | 67.1179% | 3,898 |
| Net loans and leases to core deposits | 70.1423% | 4,063 |
| Total domestic deposits to total assets | 82.5301% | 5,018 |
| Equity capital to assets | 12.4146% | 1,765 |
| Core capital (leverage) ratio | 9.8812% | 3,553 |
| Tier 1 risk-based capital ratio | 16.1412% | 3,186 |
| Total risk-based capital ratio | 17.3935% | 3,139 |
| Memoranda: | ||
| Average total assets | $439,590,000 | 1,531 |
| Average earning assets | $402,406,000 | 1,519 |
| Average equity | $52,982,500 | 1,370 |
| Average total loans | $244,164,000 | 1,702 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4852% | 3,463 |
| Cost of funding earning assets | 0.5123% | 5,132 |
| Net interest margin | 3.9729% | 2,507 |
| Noninterest income to average assets | 1.4292% | 768 |
| Noninterest expense to average assets | 3.2802% | 2,398 |
| Loan and lease loss provision to assets | 0.0492% | 5,203 |
| Net operating income to assets | 1.6502% | 684 |
| Return on assets (ROA) | 1.6530% | 758 |
| Pretax return on assets | 1.7520% | 1,019 |
| Return on Equity (ROE) | 13.5606% | 1,093 |
| Retained earnings to average equity (ytd only) | 0.9321% | 5,405 |
| Net charge-offs to loans | 0.2257% | 3,585 |
| Credit loss provision to net charge-offs | 37.9613% | 4,972 |
| Earnings coverage of net charge-offs (x) | 13.8805% | 1,782 |
| Efficiency ratio | 64.5909% | 4,777 |
| Assets per employee ($millions) | 3.4832% | 5,042 |
| Cash dividends to net income (ytd only)* | 93.1267% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 3,692 |
| Loan loss allowance to noncurrent loans | 112.8896% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 1.1995% | 3,659 |
| Noncurrent loans to loans | 1.3407% | 3,600 |
| Net loans and leases to total assets | 54.0306% | 4,615 |
| Net loans and leases to deposits | 66.2262% | 4,253 |
| Net loans and leases to core deposits | 69.2988% | 4,397 |
| Total domestic deposits to total assets | 81.5849% | 5,232 |
| Equity capital to assets | 11.7066% | 2,267 |
| Core capital (leverage) ratio | 9.1119% | 4,723 |
| Tier 1 risk-based capital ratio | 15.2920% | 3,548 |
| Total risk-based capital ratio | 16.5437% | 3,501 |
| Memoranda: | ||
| Average total assets | $439,210,400 | 1,504 |
| Average earning assets | $403,437,600 | 1,492 |
| Average equity | $53,537,600 | 1,330 |
| Average total loans | $252,117,000 | 1,636 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 3,283 |
| Cost of funding earning assets | 0.5383% | 5,178 |
| Net interest margin | 4.0426% | 2,325 |
| Noninterest income to average assets | 1.4521% | 708 |
| Noninterest expense to average assets | 3.2759% | 2,342 |
| Loan and lease loss provision to assets | 0.0653% | 4,883 |
| Net operating income to assets | 1.7244% | 658 |
| Return on assets (ROA) | 1.7282% | 718 |
| Pretax return on assets | 1.8295% | 987 |
| Return on Equity (ROE) | 14.0343% | 1,104 |
| Retained earnings to average equity (ytd only) | 7.1883% | 2,018 |
| Net charge-offs to loans | 0.2808% | 3,042 |
| Credit loss provision to net charge-offs | 40.0749% | 4,617 |
| Earnings coverage of net charge-offs (x) | 11.5974% | 2,067 |
| Efficiency ratio | 63.4027% | 4,904 |
| Assets per employee ($millions) | 3.3764% | 5,266 |
| Cash dividends to net income (ytd only)* | 48.7809% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 4,016 |
| Loan loss allowance to noncurrent loans | 137.1720% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 1.1082% | 4,083 |
| Noncurrent loans to loans | 1.0819% | 4,274 |
| Net loans and leases to total assets | 57.3661% | 4,228 |
| Net loans and leases to deposits | 72.1468% | 3,589 |
| Net loans and leases to core deposits | 75.8331% | 3,748 |
| Total domestic deposits to total assets | 79.5130% | 5,766 |
| Equity capital to assets | 12.7868% | 1,718 |
| Core capital (leverage) ratio | 10.0480% | 3,476 |
| Tier 1 risk-based capital ratio | 16.4400% | 3,038 |
| Total risk-based capital ratio | 17.6922% | 2,999 |
| Memoranda: | ||
| Average total assets | $436,678,500 | 1,521 |
| Average earning assets | $401,251,500 | 1,518 |
| Average equity | $53,771,500 | 1,336 |
| Average total loans | $253,518,500 | 1,646 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5996% | 3,360 |
| Cost of funding earning assets | 0.5628% | 5,206 |
| Net interest margin | 4.0368% | 2,355 |
| Noninterest income to average assets | 1.4676% | 675 |
| Noninterest expense to average assets | 3.2696% | 2,388 |
| Loan and lease loss provision to assets | 0.0718% | 4,733 |
| Net operating income to assets | 1.7114% | 658 |
| Return on assets (ROA) | 1.7165% | 728 |
| Pretax return on assets | 1.8405% | 962 |
| Return on Equity (ROE) | 14.1199% | 1,087 |
| Retained earnings to average equity (ytd only) | 7.1032% | 2,044 |
| Net charge-offs to loans | 0.1562% | 3,665 |
| Credit loss provision to net charge-offs | 79.2929% | 3,338 |
| Earnings coverage of net charge-offs (x) | 21.0455% | 1,360 |
| Efficiency ratio | 63.1630% | 5,056 |
| Assets per employee ($millions) | 3.4098% | 5,195 |
| Cash dividends to net income (ytd only)* | 49.6934% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 3,717 |
| Loan loss allowance to noncurrent loans | 136.7264% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 1.1606% | 4,075 |
| Noncurrent loans to loans | 1.1457% | 4,239 |
| Net loans and leases to total assets | 57.7588% | 4,207 |
| Net loans and leases to deposits | 72.2731% | 3,573 |
| Net loans and leases to core deposits | 75.9512% | 3,773 |
| Total domestic deposits to total assets | 79.9174% | 5,761 |
| Equity capital to assets | 12.3453% | 1,915 |
| Core capital (leverage) ratio | 9.9237% | 3,521 |
| Tier 1 risk-based capital ratio | 15.8587% | 3,238 |
| Total risk-based capital ratio | 17.1117% | 3,207 |
| Memoranda: | ||
| Average total assets | $437,051,330 | 1,525 |
| Average earning assets | $401,554,670 | 1,523 |
| Average equity | $53,130,670 | 1,339 |
| Average total loans | $253,482,000 | 1,643 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6084% | 3,463 |
| Cost of funding earning assets | 0.5909% | 5,208 |
| Net interest margin | 4.0175% | 2,432 |
| Noninterest income to average assets | 1.4774% | 665 |
| Noninterest expense to average assets | 3.2118% | 2,564 |
| Loan and lease loss provision to assets | 0.0937% | 4,176 |
| Net operating income to assets | 1.7390% | 674 |
| Return on assets (ROA) | 1.7390% | 750 |
| Pretax return on assets | 1.8612% | 946 |
| Return on Equity (ROE) | 14.4183% | 1,100 |
| Retained earnings to average equity (ytd only) | 10.7338% | 1,104 |
| Net charge-offs to loans | 0.1131% | 3,446 |
| Credit loss provision to net charge-offs | 143.6620% | 1,717 |
| Earnings coverage of net charge-offs (x) | 29.9859% | 921 |
| Efficiency ratio | 62.1646% | 5,251 |
| Assets per employee ($millions) | 3.3884% | 5,370 |
| Cash dividends to net income (ytd only)* | 25.5544% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 3,546 |
| Loan loss allowance to noncurrent loans | 149.7453% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 1.1086% | 4,278 |
| Noncurrent loans to loans | 1.1009% | 4,494 |
| Net loans and leases to total assets | 56.6025% | 4,272 |
| Net loans and leases to deposits | 68.4321% | 3,989 |
| Net loans and leases to core deposits | 71.7118% | 4,193 |
| Total domestic deposits to total assets | 82.7135% | 5,038 |
| Equity capital to assets | 12.2612% | 1,872 |
| Core capital (leverage) ratio | 9.9566% | 3,420 |
| Tier 1 risk-based capital ratio | 15.9806% | 3,187 |
| Total risk-based capital ratio | 17.2344% | 3,151 |
| Memoranda: | ||
| Average total assets | $435,642,500 | 1,529 |
| Average earning assets | $400,052,500 | 1,519 |
| Average equity | $52,544,500 | 1,345 |
| Average total loans | $251,170,000 | 1,654 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8816% | 3,450 |
| Cost of funding earning assets | 0.8339% | 4,599 |
| Net interest margin | 4.0477% | 2,644 |
| Noninterest income to average assets | 1.1457% | 997 |
| Noninterest expense to average assets | 3.2526% | 2,681 |
| Loan and lease loss provision to assets | 0.2196% | 3,999 |
| Net operating income to assets | 1.2959% | 1,259 |
| Return on assets (ROA) | 1.3518% | 1,228 |
| Pretax return on assets | 1.4412% | 1,650 |
| Return on Equity (ROE) | 11.8159% | 1,459 |
| Retained earnings to average equity (ytd only) | 7.6221% | 1,219 |
| Net charge-offs to loans | 0.5889% | 2,685 |
| Credit loss provision to net charge-offs | 62.0079% | 5,117 |
| Earnings coverage of net charge-offs (x) | 4.5223% | 3,081 |
| Efficiency ratio | 67.0097% | 4,574 |
| Assets per employee ($millions) | 3.3659% | 5,332 |
| Cash dividends to net income (ytd only)* | 35.4933% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6160% | 3,525 |
| Loan loss allowance to noncurrent loans | 171.5966% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 1.2076% | 4,225 |
| Noncurrent loans to loans | 0.9417% | 4,820 |
| Net loans and leases to total assets | 56.8246% | 4,573 |
| Net loans and leases to deposits | 69.5547% | 4,182 |
| Net loans and leases to core deposits | 72.8400% | 4,398 |
| Total domestic deposits to total assets | 81.6976% | 5,234 |
| Equity capital to assets | 11.8634% | 2,224 |
| Core capital (leverage) ratio | 9.4345% | 4,134 |
| Tier 1 risk-based capital ratio | 15.2030% | 3,510 |
| Total risk-based capital ratio | 16.4562% | 3,471 |
| Memoranda: | ||
| Average total assets | $430,398,600 | 1,515 |
| Average earning assets | $394,296,400 | 1,511 |
| Average equity | $49,238,600 | 1,384 |
| Average total loans | $258,790,400 | 1,630 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9426% | 3,372 |
| Cost of funding earning assets | 0.8850% | 4,507 |
| Net interest margin | 4.0577% | 2,661 |
| Noninterest income to average assets | 1.1731% | 958 |
| Noninterest expense to average assets | 3.2508% | 2,659 |
| Loan and lease loss provision to assets | 0.1440% | 4,641 |
| Net operating income to assets | 1.3966% | 1,155 |
| Return on assets (ROA) | 1.4667% | 1,092 |
| Pretax return on assets | 1.5685% | 1,464 |
| Return on Equity (ROE) | 12.9430% | 1,292 |
| Retained earnings to average equity (ytd only) | 8.3176% | 1,383 |
| Net charge-offs to loans | 0.5102% | 2,719 |
| Credit loss provision to net charge-offs | 46.4859% | 5,110 |
| Earnings coverage of net charge-offs (x) | 5.2861% | 2,825 |
| Efficiency ratio | 66.4970% | 4,622 |
| Assets per employee ($millions) | 3.2999% | 5,479 |
| Cash dividends to net income (ytd only)* | 35.7370% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 3,770 |
| Loan loss allowance to noncurrent loans | 124.9622% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 1.4105% | 4,015 |
| Noncurrent loans to loans | 1.2620% | 4,427 |
| Net loans and leases to total assets | 60.0821% | 4,115 |
| Net loans and leases to deposits | 73.8776% | 3,671 |
| Net loans and leases to core deposits | 77.6436% | 3,959 |
| Total domestic deposits to total assets | 81.3265% | 5,323 |
| Equity capital to assets | 11.9713% | 2,274 |
| Core capital (leverage) ratio | 9.5201% | 4,120 |
| Tier 1 risk-based capital ratio | 14.9790% | 3,672 |
| Total risk-based capital ratio | 16.2328% | 3,642 |
| Memoranda: | ||
| Average total assets | $428,606,750 | 1,531 |
| Average earning assets | $392,466,250 | 1,522 |
| Average equity | $48,570,750 | 1,409 |
| Average total loans | $260,305,750 | 1,630 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9082% | 3,584 |
| Cost of funding earning assets | 0.9280% | 4,466 |
| Net interest margin | 3.9802% | 2,936 |
| Noninterest income to average assets | 1.0964% | 1,077 |
| Noninterest expense to average assets | 3.1498% | 3,081 |
| Loan and lease loss provision to assets | 0.1442% | 4,503 |
| Net operating income to assets | 1.3467% | 1,201 |
| Return on assets (ROA) | 1.3471% | 1,276 |
| Pretax return on assets | 1.4465% | 1,676 |
| Return on Equity (ROE) | 12.1153% | 1,458 |
| Retained earnings to average equity (ytd only) | 7.9383% | 1,481 |
| Net charge-offs to loans | 0.5489% | 2,458 |
| Credit loss provision to net charge-offs | 43.3380% | 4,751 |
| Earnings coverage of net charge-offs (x) | 4.7784% | 2,782 |
| Efficiency ratio | 66.4500% | 4,787 |
| Assets per employee ($millions) | 3.4692% | 5,019 |
| Cash dividends to net income (ytd only)* | 34.4768% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6090% | 3,661 |
| Loan loss allowance to noncurrent loans | 107.7410% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 1.5782% | 3,831 |
| Noncurrent loans to loans | 1.4934% | 4,179 |
| Net loans and leases to total assets | 62.0407% | 3,877 |
| Net loans and leases to deposits | 73.7993% | 3,835 |
| Net loans and leases to core deposits | 77.5453% | 4,107 |
| Total domestic deposits to total assets | 84.0667% | 4,314 |
| Equity capital to assets | 11.7799% | 2,264 |
| Core capital (leverage) ratio | 9.5178% | 3,931 |
| Tier 1 risk-based capital ratio | 14.6514% | 3,698 |
| Total risk-based capital ratio | 15.9056% | 3,662 |
| Memoranda: | ||
| Average total assets | $428,478,000 | 1,540 |
| Average earning assets | $392,245,330 | 1,535 |
| Average equity | $47,642,330 | 1,420 |
| Average total loans | $259,781,670 | 1,656 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8044% | 4,041 |
| Cost of funding earning assets | 0.9865% | 4,294 |
| Net interest margin | 3.8179% | 3,521 |
| Noninterest income to average assets | 0.9953% | 1,344 |
| Noninterest expense to average assets | 3.0682% | 3,391 |
| Loan and lease loss provision to assets | 0.1867% | 3,748 |
| Net operating income to assets | 1.1506% | 1,664 |
| Return on assets (ROA) | 1.1506% | 1,710 |
| Pretax return on assets | 1.2347% | 2,249 |
| Return on Equity (ROE) | 10.6549% | 1,857 |
| Retained earnings to average equity (ytd only) | 9.6707% | 1,195 |
| Net charge-offs to loans | 0.5565% | 2,106 |
| Credit loss provision to net charge-offs | 56.4246% | 3,616 |
| Earnings coverage of net charge-offs (x) | 4.2961% | 2,518 |
| Efficiency ratio | 68.3409% | 4,592 |
| Assets per employee ($millions) | 3.4896% | 5,020 |
| Cash dividends to net income (ytd only)* | 9.2369% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7805% | 3,070 |
| Loan loss allowance to noncurrent loans | 84.1958% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 2.0173% | 3,298 |
| Noncurrent loans to loans | 2.1147% | 3,425 |
| Net loans and leases to total assets | 58.8832% | 4,481 |
| Net loans and leases to deposits | 69.9153% | 4,351 |
| Net loans and leases to core deposits | 73.5310% | 4,584 |
| Total domestic deposits to total assets | 84.2208% | 4,401 |
| Equity capital to assets | 11.1927% | 2,508 |
| Core capital (leverage) ratio | 9.2098% | 4,272 |
| Tier 1 risk-based capital ratio | 14.4885% | 3,746 |
| Total risk-based capital ratio | 15.7439% | 3,703 |
| Memoranda: | ||
| Average total assets | $432,829,000 | 1,535 |
| Average earning assets | $396,139,000 | 1,535 |
| Average equity | $46,739,000 | 1,432 |
| Average total loans | $257,327,000 | 1,680 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2091% | 3,560 |
| Cost of funding earning assets | 1.3435% | 3,624 |
| Net interest margin | 3.8656% | 3,663 |
| Noninterest income to average assets | 1.1520% | 1,114 |
| Noninterest expense to average assets | 3.0219% | 3,762 |
| Loan and lease loss provision to assets | 0.9793% | 1,651 |
| Net operating income to assets | 0.6671% | 3,357 |
| Return on assets (ROA) | 0.6731% | 3,472 |
| Pretax return on assets | 0.6970% | 3,987 |
| Return on Equity (ROE) | 6.2552% | 3,475 |
| Retained earnings to average equity (ytd only) | 1.3886% | 4,846 |
| Net charge-offs to loans | 1.1965% | 1,867 |
| Credit loss provision to net charge-offs | 130.8756% | 3,033 |
| Earnings coverage of net charge-offs (x) | 2.2320% | 4,049 |
| Efficiency ratio | 64.4047% | 5,281 |
| Assets per employee ($millions) | 3.6646% | 4,535 |
| Cash dividends to net income (ytd only)* | 77.8005% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7830% | 2,918 |
| Loan loss allowance to noncurrent loans | 90.8613% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 2.1436% | 3,162 |
| Noncurrent loans to loans | 1.9624% | 3,617 |
| Net loans and leases to total assets | 57.9263% | 5,035 |
| Net loans and leases to deposits | 71.4531% | 4,615 |
| Net loans and leases to core deposits | 75.3051% | 4,815 |
| Total domestic deposits to total assets | 81.0689% | 5,504 |
| Equity capital to assets | 10.4231% | 3,249 |
| Core capital (leverage) ratio | 8.4557% | 5,443 |
| Tier 1 risk-based capital ratio | 13.6228% | 4,116 |
| Total risk-based capital ratio | 14.8783% | 4,084 |
| Memoranda: | ||
| Average total assets | $434,984,600 | 1,536 |
| Average earning assets | $398,363,000 | 1,524 |
| Average equity | $46,809,200 | 1,430 |
| Average total loans | $272,050,400 | 1,640 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3042% | 3,337 |
| Cost of funding earning assets | 1.4040% | 3,553 |
| Net interest margin | 3.9002% | 3,521 |
| Noninterest income to average assets | 1.1735% | 1,010 |
| Noninterest expense to average assets | 3.1060% | 3,310 |
| Loan and lease loss provision to assets | 0.5985% | 2,553 |
| Net operating income to assets | 0.9662% | 2,352 |
| Return on assets (ROA) | 0.9739% | 2,439 |
| Pretax return on assets | 1.0478% | 3,002 |
| Return on Equity (ROE) | 8.9782% | 2,500 |
| Retained earnings to average equity (ytd only) | 2.8110% | 4,462 |
| Net charge-offs to loans | 0.6218% | 2,882 |
| Credit loss provision to net charge-offs | 151.6784% | 2,563 |
| Earnings coverage of net charge-offs (x) | 4.1514% | 3,172 |
| Efficiency ratio | 65.4720% | 4,964 |
| Assets per employee ($millions) | 3.4762% | 5,035 |
| Cash dividends to net income (ytd only)* | 68.6908% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 3,755 |
| Loan loss allowance to noncurrent loans | 62.0779% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 2.3071% | 3,070 |
| Noncurrent loans to loans | 2.4873% | 3,131 |
| Net loans and leases to total assets | 63.3936% | 4,236 |
| Net loans and leases to deposits | 77.6257% | 3,898 |
| Net loans and leases to core deposits | 82.1893% | 4,224 |
| Total domestic deposits to total assets | 81.6657% | 5,141 |
| Equity capital to assets | 11.0717% | 2,886 |
| Core capital (leverage) ratio | 8.7678% | 5,070 |
| Tier 1 risk-based capital ratio | 13.2163% | 4,409 |
| Total risk-based capital ratio | 14.4602% | 4,393 |
| Memoranda: | ||
| Average total assets | $432,876,000 | 1,565 |
| Average earning assets | $396,279,250 | 1,551 |
| Average equity | $46,957,000 | 1,436 |
| Average total loans | $274,683,250 | 1,650 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2732% | 3,589 |
| Cost of funding earning assets | 1.4273% | 3,700 |
| Net interest margin | 3.8459% | 3,686 |
| Noninterest income to average assets | 1.1468% | 985 |
| Noninterest expense to average assets | 3.1032% | 3,305 |
| Loan and lease loss provision to assets | 0.5810% | 2,449 |
| Net operating income to assets | 0.9164% | 2,492 |
| Return on assets (ROA) | 0.9280% | 2,541 |
| Pretax return on assets | 0.9965% | 3,131 |
| Return on Equity (ROE) | 8.6145% | 2,612 |
| Retained earnings to average equity (ytd only) | 2.3147% | 4,684 |
| Net charge-offs to loans | 0.6484% | 2,601 |
| Credit loss provision to net charge-offs | 141.9209% | 2,809 |
| Earnings coverage of net charge-offs (x) | 3.8226% | 3,169 |
| Efficiency ratio | 66.4751% | 4,890 |
| Assets per employee ($millions) | 3.3818% | 5,236 |
| Cash dividends to net income (ytd only)* | 73.1306% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 4,152 |
| Loan loss allowance to noncurrent loans | 62.3202% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 2.1024% | 3,375 |
| Noncurrent loans to loans | 2.3345% | 3,330 |
| Net loans and leases to total assets | 63.0435% | 4,456 |
| Net loans and leases to deposits | 76.8624% | 4,179 |
| Net loans and leases to core deposits | 81.2333% | 4,521 |
| Total domestic deposits to total assets | 82.0212% | 4,977 |
| Equity capital to assets | 10.8999% | 2,966 |
| Core capital (leverage) ratio | 8.7412% | 5,018 |
| Tier 1 risk-based capital ratio | 13.3675% | 4,156 |
| Total risk-based capital ratio | 14.6201% | 4,120 |
| Memoranda: | ||
| Average total assets | $432,324,670 | 1,580 |
| Average earning assets | $395,851,670 | 1,566 |
| Average equity | $46,572,670 | 1,444 |
| Average total loans | $272,983,000 | 1,676 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2579% | 3,741 |
| Cost of funding earning assets | 1.4319% | 3,976 |
| Net interest margin | 3.8259% | 3,681 |
| Noninterest income to average assets | 1.1184% | 1,003 |
| Noninterest expense to average assets | 3.1024% | 3,258 |
| Loan and lease loss provision to assets | 0.3296% | 3,423 |
| Net operating income to assets | 1.1147% | 1,783 |
| Return on assets (ROA) | 1.1147% | 1,867 |
| Pretax return on assets | 1.1915% | 2,387 |
| Return on Equity (ROE) | 10.4090% | 1,980 |
| Retained earnings to average equity (ytd only) | 5.7405% | 2,746 |
| Net charge-offs to loans | 0.3100% | 3,178 |
| Credit loss provision to net charge-offs | 169.5238% | 2,147 |
| Earnings coverage of net charge-offs (x) | 7.8238% | 2,034 |
| Efficiency ratio | 67.1005% | 4,898 |
| Assets per employee ($millions) | 3.3423% | 5,447 |
| Cash dividends to net income (ytd only)* | 44.8505% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 4,312 |
| Loan loss allowance to noncurrent loans | 62.0453% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 2.1294% | 3,347 |
| Noncurrent loans to loans | 2.2913% | 3,397 |
| Net loans and leases to total assets | 61.1788% | 4,913 |
| Net loans and leases to deposits | 74.5223% | 4,666 |
| Net loans and leases to core deposits | 78.4531% | 4,966 |
| Total domestic deposits to total assets | 82.0946% | 5,037 |
| Equity capital to assets | 10.8384% | 2,915 |
| Core capital (leverage) ratio | 8.8939% | 4,736 |
| Tier 1 risk-based capital ratio | 13.6135% | 3,918 |
| Total risk-based capital ratio | 14.8651% | 3,878 |
| Memoranda: | ||
| Average total assets | $432,049,000 | 1,616 |
| Average earning assets | $395,824,500 | 1,606 |
| Average equity | $46,267,500 | 1,455 |
| Average total loans | $271,010,000 | 1,735 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7521% | 2,855 |
| Cost of funding earning assets | 1.7709% | 4,146 |
| Net interest margin | 3.9812% | 2,935 |
| Noninterest income to average assets | 1.3358% | 838 |
| Noninterest expense to average assets | 3.3222% | 2,940 |
| Loan and lease loss provision to assets | 0.3778% | 4,520 |
| Net operating income to assets | 1.1854% | 1,285 |
| Return on assets (ROA) | 1.1285% | 1,473 |
| Pretax return on assets | 1.1949% | 1,968 |
| Return on Equity (ROE) | 10.5184% | 1,543 |
| Retained earnings to average equity (ytd only) | 6.1310% | 1,308 |
| Net charge-offs to loans | 0.3352% | 4,563 |
| Credit loss provision to net charge-offs | 168.3696% | 2,554 |
| Earnings coverage of net charge-offs (x) | 7.2783% | 2,182 |
| Efficiency ratio | 67.0424% | 5,173 |
| Assets per employee ($millions) | 3.3049% | 5,479 |
| Cash dividends to net income (ytd only)* | 41.7117% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 4,578 |
| Loan loss allowance to noncurrent loans | 77.5329% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.7615% | 3,734 |
| Noncurrent loans to loans | 1.7192% | 4,060 |
| Net loans and leases to total assets | 62.5447% | 4,894 |
| Net loans and leases to deposits | 75.7312% | 4,788 |
| Net loans and leases to core deposits | 96.2787% | 4,434 |
| Total domestic deposits to total assets | 82.5878% | 4,711 |
| Equity capital to assets | 10.5798% | 3,092 |
| Core capital (leverage) ratio | 8.6806% | 4,955 |
| Tier 1 risk-based capital ratio | 12.9653% | 4,166 |
| Total risk-based capital ratio | 14.2154% | 4,118 |
| Memoranda: | ||
| Average total assets | $410,001,200 | 1,682 |
| Average earning assets | $372,751,600 | 1,687 |
| Average equity | $43,989,400 | 1,521 |
| Average total loans | $274,468,000 | 1,756 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8446% | 2,686 |
| Cost of funding earning assets | 1.8733% | 4,027 |
| Net interest margin | 3.9713% | 2,938 |
| Noninterest income to average assets | 1.3618% | 814 |
| Noninterest expense to average assets | 3.3281% | 2,817 |
| Loan and lease loss provision to assets | 0.4090% | 3,870 |
| Net operating income to assets | 1.1410% | 1,606 |
| Return on assets (ROA) | 1.0649% | 1,898 |
| Pretax return on assets | 1.1431% | 2,438 |
| Return on Equity (ROE) | 9.8890% | 1,959 |
| Retained earnings to average equity (ytd only) | 5.1267% | 2,412 |
| Net charge-offs to loans | 0.2375% | 4,563 |
| Credit loss provision to net charge-offs | 253.5787% | 1,690 |
| Earnings coverage of net charge-offs (x) | 10.1309% | 2,002 |
| Efficiency ratio | 67.0721% | 5,167 |
| Assets per employee ($millions) | 3.1032% | 5,898 |
| Cash dividends to net income (ytd only)* | 48.1572% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 4,260 |
| Loan loss allowance to noncurrent loans | 92.5337% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 1.7434% | 3,750 |
| Noncurrent loans to loans | 1.4488% | 4,501 |
| Net loans and leases to total assets | 68.9555% | 3,717 |
| Net loans and leases to deposits | 85.0045% | 3,501 |
| Net loans and leases to core deposits | 110.8530% | 3,141 |
| Total domestic deposits to total assets | 81.1198% | 5,030 |
| Equity capital to assets | 11.2000% | 2,835 |
| Core capital (leverage) ratio | 8.8902% | 4,825 |
| Tier 1 risk-based capital ratio | 12.4991% | 4,537 |
| Total risk-based capital ratio | 13.7501% | 4,493 |
| Memoranda: | ||
| Average total assets | $404,267,250 | 1,709 |
| Average earning assets | $366,483,500 | 1,734 |
| Average equity | $43,535,750 | 1,556 |
| Average total loans | $274,475,750 | 1,772 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7780% | 3,149 |
| Cost of funding earning assets | 1.9565% | 3,972 |
| Net interest margin | 3.8216% | 3,449 |
| Noninterest income to average assets | 1.4006% | 774 |
| Noninterest expense to average assets | 3.3094% | 2,917 |
| Loan and lease loss provision to assets | 0.5641% | 2,764 |
| Net operating income to assets | 0.9043% | 2,442 |
| Return on assets (ROA) | 0.7915% | 2,977 |
| Pretax return on assets | 0.8597% | 3,475 |
| Return on Equity (ROE) | 7.4488% | 3,008 |
| Retained earnings to average equity (ytd only) | 3.3964% | 3,434 |
| Net charge-offs to loans | 0.3427% | 3,464 |
| Credit loss provision to net charge-offs | 244.8498% | 1,900 |
| Earnings coverage of net charge-offs (x) | 6.7124% | 2,561 |
| Efficiency ratio | 68.1531% | 5,130 |
| Assets per employee ($millions) | 3.0987% | 5,872 |
| Cash dividends to net income (ytd only)* | 54.4035% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 4,156 |
| Loan loss allowance to noncurrent loans | 134.6419% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 1.4970% | 3,989 |
| Noncurrent loans to loans | 0.9805% | 5,246 |
| Net loans and leases to total assets | 67.6893% | 4,210 |
| Net loans and leases to deposits | 82.3030% | 4,177 |
| Net loans and leases to core deposits | 107.0908% | 3,713 |
| Total domestic deposits to total assets | 82.2440% | 4,594 |
| Equity capital to assets | 10.4696% | 3,443 |
| Core capital (leverage) ratio | 8.6173% | 5,231 |
| Tier 1 risk-based capital ratio | 12.1487% | 4,802 |
| Total risk-based capital ratio | 13.3992% | 4,708 |
| Memoranda: | ||
| Average total assets | $404,550,330 | 1,735 |
| Average earning assets | $365,764,330 | 1,755 |
| Average equity | $42,986,670 | 1,585 |
| Average total loans | $271,981,330 | 1,811 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7521% | 3,518 |
| Cost of funding earning assets | 2.0490% | 3,883 |
| Net interest margin | 3.7032% | 3,876 |
| Noninterest income to average assets | 1.3562% | 777 |
| Noninterest expense to average assets | 3.3049% | 2,642 |
| Loan and lease loss provision to assets | 0.1959% | 4,479 |
| Net operating income to assets | 1.0996% | 1,965 |
| Return on assets (ROA) | 1.0986% | 2,096 |
| Pretax return on assets | 1.1841% | 2,675 |
| Return on Equity (ROE) | 10.2627% | 2,213 |
| Retained earnings to average equity (ytd only) | 10.2627% | 1,127 |
| Net charge-offs to loans | -0.0912% | 7,853 |
| Credit loss provision to net charge-offs | -322.9508% | 6,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5283% | 4,471 |
| Assets per employee ($millions) | 3.0665% | 5,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 4,661 |
| Loan loss allowance to noncurrent loans | 114.3304% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 1.5419% | 3,625 |
| Noncurrent loans to loans | 1.0676% | 4,847 |
| Net loans and leases to total assets | 66.2202% | 4,531 |
| Net loans and leases to deposits | 80.9047% | 4,472 |
| Net loans and leases to core deposits | 103.5682% | 4,182 |
| Total domestic deposits to total assets | 81.8496% | 4,613 |
| Equity capital to assets | 10.9315% | 3,030 |
| Core capital (leverage) ratio | 8.8510% | 4,911 |
| Tier 1 risk-based capital ratio | 12.5910% | 4,482 |
| Total risk-based capital ratio | 13.7758% | 4,449 |
| Memoranda: | ||
| Average total assets | $402,314,500 | 1,751 |
| Average earning assets | $361,745,500 | 1,782 |
| Average equity | $43,068,500 | 1,586 |
| Average total loans | $267,688,000 | 1,856 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5322% | 2,800 |
| Cost of funding earning assets | 2.5396% | 4,003 |
| Net interest margin | 3.9926% | 3,152 |
| Noninterest income to average assets | 1.4859% | 635 |
| Noninterest expense to average assets | 3.3609% | 2,793 |
| Loan and lease loss provision to assets | 0.6068% | 2,400 |
| Net operating income to assets | 1.0357% | 2,415 |
| Return on assets (ROA) | 1.1004% | 2,061 |
| Pretax return on assets | 1.1703% | 2,767 |
| Return on Equity (ROE) | 10.8104% | 1,966 |
| Retained earnings to average equity (ytd only) | 4.2046% | 2,503 |
| Net charge-offs to loans | 0.9292% | 1,331 |
| Credit loss provision to net charge-offs | 94.0606% | 5,568 |
| Earnings coverage of net charge-offs (x) | 2.6479% | 4,764 |
| Efficiency ratio | 66.3011% | 5,060 |
| Assets per employee ($millions) | 3.0994% | 5,766 |
| Cash dividends to net income (ytd only)* | 61.1061% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 4,999 |
| Loan loss allowance to noncurrent loans | 75.9719% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 1.5720% | 3,097 |
| Noncurrent loans to loans | 1.4984% | 3,551 |
| Net loans and leases to total assets | 65.2852% | 4,991 |
| Net loans and leases to deposits | 80.2829% | 4,998 |
| Net loans and leases to core deposits | 102.5656% | 4,542 |
| Total domestic deposits to total assets | 81.3190% | 4,504 |
| Equity capital to assets | 10.4796% | 3,528 |
| Core capital (leverage) ratio | 8.5239% | 5,530 |
| Tier 1 risk-based capital ratio | 12.1726% | 4,690 |
| Total risk-based capital ratio | 13.2626% | 4,698 |
| Memoranda: | ||
| Average total assets | $399,293,800 | 1,701 |
| Average earning assets | $358,363,200 | 1,733 |
| Average equity | $40,646,200 | 1,649 |
| Average total loans | $277,220,400 | 1,733 |