Home > Florida Parishes Bank > Performance and Condition Ratios
Florida Parishes Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3233% | 558 |
| Cost of funding earning assets | 0.6688% | 2,274 |
| Net interest margin | 4.6544% | 540 |
| Noninterest income to average assets | 0.8240% | 1,390 |
| Noninterest expense to average assets | 3.1444% | 1,687 |
| Loan and lease loss provision to assets | 0.1337% | 1,623 |
| Net operating income to assets | 1.4744% | 1,190 |
| Return on assets (ROA) | 1.4652% | 1,214 |
| Pretax return on assets | 1.8186% | 875 |
| Return on Equity (ROE) | 14.5634% | 926 |
| Retained earnings to average equity (ytd only) | 14.5634% | 137 |
| Net charge-offs to loans | 0.0825% | 1,958 |
| Credit loss provision to net charge-offs | 253.6082% | 1,177 |
| Earnings coverage of net charge-offs (x) | 37.2577% | 1,387 |
| Efficiency ratio | 61.5573% | 3,611 |
| Assets per employee ($millions) | 4.8542% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8805% | 592 |
| Loan loss allowance to noncurrent loans | 200.2571% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 2,044 |
| Noncurrent loans to loans | 0.9390% | 1,714 |
| Net loans and leases to total assets | 64.4108% | 3,311 |
| Net loans and leases to deposits | 79.6487% | 2,995 |
| Net loans and leases to core deposits | 85.7243% | 2,936 |
| Total domestic deposits to total assets | 80.8686% | 3,925 |
| Equity capital to assets | 10.6402% | 3,039 |
| Core capital (leverage) ratio | 10.7528% | 2,783 |
| Tier 1 risk-based capital ratio | 16.4577% | 2,253 |
| Total risk-based capital ratio | 17.7154% | 2,188 |
| Memoranda: | ||
| Average total assets | $368,078,400 | 1,837 |
| Average earning assets | $338,794,600 | 1,852 |
| Average equity | $37,031,200 | 1,985 |
| Average total loans | $235,144,000 | 1,912 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2461% | 570 |
| Cost of funding earning assets | 0.6189% | 2,347 |
| Net interest margin | 4.6272% | 560 |
| Noninterest income to average assets | 0.8552% | 1,319 |
| Noninterest expense to average assets | 2.9979% | 2,019 |
| Loan and lease loss provision to assets | 0.1339% | 1,500 |
| Net operating income to assets | 1.5937% | 977 |
| Return on assets (ROA) | 1.5937% | 982 |
| Pretax return on assets | 1.9811% | 652 |
| Return on Equity (ROE) | 16.0803% | 686 |
| Retained earnings to average equity (ytd only) | 16.0803% | 133 |
| Net charge-offs to loans | 0.0771% | 1,752 |
| Credit loss provision to net charge-offs | 273.8806% | 1,102 |
| Earnings coverage of net charge-offs (x) | 43.2617% | 1,289 |
| Efficiency ratio | 58.6342% | 4,020 |
| Assets per employee ($millions) | 4.6589% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8962% | 600 |
| Loan loss allowance to noncurrent loans | 205.1179% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.5882% | 2,418 |
| Noncurrent loans to loans | 0.9245% | 1,846 |
| Net loans and leases to total assets | 62.4180% | 3,612 |
| Net loans and leases to deposits | 73.8700% | 3,605 |
| Net loans and leases to core deposits | 78.4803% | 3,622 |
| Total domestic deposits to total assets | 84.4971% | 2,790 |
| Equity capital to assets | 10.0234% | 3,620 |
| Core capital (leverage) ratio | 10.6248% | 2,958 |
| Tier 1 risk-based capital ratio | 16.3010% | 2,337 |
| Total risk-based capital ratio | 17.5588% | 2,275 |
| Memoranda: | ||
| Average total assets | $365,440,750 | 1,858 |
| Average earning assets | $336,264,250 | 1,877 |
| Average equity | $36,217,250 | 2,025 |
| Average total loans | $231,792,000 | 1,939 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2158% | 541 |
| Cost of funding earning assets | 0.5738% | 2,406 |
| Net interest margin | 4.6419% | 503 |
| Noninterest income to average assets | 0.9152% | 1,140 |
| Noninterest expense to average assets | 3.0480% | 1,912 |
| Loan and lease loss provision to assets | 0.1056% | 1,849 |
| Net operating income to assets | 1.6304% | 845 |
| Return on assets (ROA) | 1.6304% | 850 |
| Pretax return on assets | 2.0277% | 573 |
| Return on Equity (ROE) | 16.5176% | 581 |
| Retained earnings to average equity (ytd only) | 16.5176% | 137 |
| Net charge-offs to loans | 0.0184% | 2,523 |
| Credit loss provision to net charge-offs | 904.7619% | 446 |
| Earnings coverage of net charge-offs (x) | 182.8095% | 448 |
| Efficiency ratio | 58.8267% | 4,110 |
| Assets per employee ($millions) | 4.3416% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9585% | 558 |
| Loan loss allowance to noncurrent loans | 294.5561% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.4181% | 3,050 |
| Noncurrent loans to loans | 0.6649% | 2,449 |
| Net loans and leases to total assets | 61.6519% | 3,642 |
| Net loans and leases to deposits | 72.6711% | 3,663 |
| Net loans and leases to core deposits | 76.3844% | 3,717 |
| Total domestic deposits to total assets | 84.8369% | 2,734 |
| Equity capital to assets | 10.1371% | 3,501 |
| Core capital (leverage) ratio | 10.4980% | 3,034 |
| Tier 1 risk-based capital ratio | 16.0000% | 2,437 |
| Total risk-based capital ratio | 17.2581% | 2,376 |
| Memoranda: | ||
| Average total assets | $359,912,330 | 1,883 |
| Average earning assets | $330,766,670 | 1,903 |
| Average equity | $35,525,670 | 2,067 |
| Average total loans | $228,035,330 | 1,966 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1806% | 509 |
| Cost of funding earning assets | 0.5707% | 2,252 |
| Net interest margin | 4.6099% | 492 |
| Noninterest income to average assets | 1.0671% | 808 |
| Noninterest expense to average assets | 3.1361% | 1,726 |
| Loan and lease loss provision to assets | 0.1463% | 1,267 |
| Net operating income to assets | 1.6187% | 820 |
| Return on assets (ROA) | 1.6187% | 822 |
| Pretax return on assets | 2.0127% | 561 |
| Return on Equity (ROE) | 16.6322% | 546 |
| Retained earnings to average equity (ytd only) | 16.6322% | 214 |
| Net charge-offs to loans | 0.0248% | 2,009 |
| Credit loss provision to net charge-offs | 928.5714% | 365 |
| Earnings coverage of net charge-offs (x) | 137.0000% | 472 |
| Efficiency ratio | 59.2262% | 4,174 |
| Assets per employee ($millions) | 4.0540% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9474% | 606 |
| Loan loss allowance to noncurrent loans | 256.8325% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 2,685 |
| Noncurrent loans to loans | 0.7582% | 2,304 |
| Net loans and leases to total assets | 61.9890% | 3,549 |
| Net loans and leases to deposits | 72.6270% | 3,545 |
| Net loans and leases to core deposits | 77.4485% | 3,540 |
| Total domestic deposits to total assets | 85.3527% | 2,808 |
| Equity capital to assets | 9.9003% | 3,700 |
| Core capital (leverage) ratio | 10.1818% | 3,326 |
| Tier 1 risk-based capital ratio | 15.2477% | 2,766 |
| Total risk-based capital ratio | 16.5053% | 2,701 |
| Memoranda: | ||
| Average total assets | $355,348,500 | 1,921 |
| Average earning assets | $325,905,500 | 1,940 |
| Average equity | $34,583,500 | 2,119 |
| Average total loans | $226,020,500 | 1,992 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8855% | 823 |
| Cost of funding earning assets | 0.4660% | 2,634 |
| Net interest margin | 4.4195% | 732 |
| Noninterest income to average assets | 1.0999% | 845 |
| Noninterest expense to average assets | 3.8505% | 655 |
| Loan and lease loss provision to assets | 0.4697% | 286 |
| Net operating income to assets | 0.4880% | 4,406 |
| Return on assets (ROA) | 0.4811% | 4,456 |
| Pretax return on assets | 0.7845% | 4,294 |
| Return on Equity (ROE) | 5.2096% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.2096% | 1,996 |
| Net charge-offs to loans | 0.2568% | 1,018 |
| Credit loss provision to net charge-offs | 313.1687% | 914 |
| Earnings coverage of net charge-offs (x) | 8.4342% | 2,914 |
| Efficiency ratio | 75.2715% | 1,722 |
| Assets per employee ($millions) | 3.6025% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9767% | 560 |
| Loan loss allowance to noncurrent loans | 242.9761% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.9100% | 1,706 |
| Noncurrent loans to loans | 0.8135% | 2,175 |
| Net loans and leases to total assets | 62.7462% | 3,518 |
| Net loans and leases to deposits | 71.7579% | 3,725 |
| Net loans and leases to core deposits | 76.5133% | 3,701 |
| Total domestic deposits to total assets | 87.4416% | 1,792 |
| Equity capital to assets | 9.5550% | 4,185 |
| Core capital (leverage) ratio | 9.6997% | 3,816 |
| Tier 1 risk-based capital ratio | 14.2137% | 3,244 |
| Total risk-based capital ratio | 15.4715% | 3,133 |
| Memoranda: | ||
| Average total assets | $324,040,000 | 2,042 |
| Average earning assets | $294,422,800 | 2,073 |
| Average equity | $29,925,400 | 2,360 |
| Average total loans | $189,254,600 | 2,248 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8448% | 849 |
| Cost of funding earning assets | 0.4564% | 2,649 |
| Net interest margin | 4.3883% | 742 |
| Noninterest income to average assets | 1.1387% | 781 |
| Noninterest expense to average assets | 3.8807% | 611 |
| Loan and lease loss provision to assets | 0.4696% | 260 |
| Net operating income to assets | 0.5574% | 4,548 |
| Return on assets (ROA) | 0.5549% | 4,593 |
| Pretax return on assets | 0.7646% | 4,442 |
| Return on Equity (ROE) | 6.0660% | 4,093 |
| Retained earnings to average equity (ytd only) | 6.0660% | 2,189 |
| Net charge-offs to loans | 0.1427% | 1,394 |
| Credit loss provision to net charge-offs | 578.3505% | 556 |
| Earnings coverage of net charge-offs (x) | 15.2423% | 2,242 |
| Efficiency ratio | 75.8217% | 1,618 |
| Assets per employee ($millions) | 3.5166% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0861% | 487 |
| Loan loss allowance to noncurrent loans | 190.2809% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0160% | 1,664 |
| Noncurrent loans to loans | 1.0963% | 1,753 |
| Net loans and leases to total assets | 59.3401% | 3,939 |
| Net loans and leases to deposits | 66.0661% | 4,247 |
| Net loans and leases to core deposits | 70.2406% | 4,229 |
| Total domestic deposits to total assets | 89.8193% | 537 |
| Equity capital to assets | 9.2763% | 4,661 |
| Core capital (leverage) ratio | 9.2703% | 4,442 |
| Tier 1 risk-based capital ratio | 13.8919% | 3,496 |
| Total risk-based capital ratio | 15.1501% | 3,421 |
| Memoranda: | ||
| Average total assets | $318,590,250 | 2,084 |
| Average earning assets | $288,909,750 | 2,117 |
| Average equity | $29,145,500 | 2,436 |
| Average total loans | $181,224,000 | 2,322 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 1,026 |
| Cost of funding earning assets | 0.4355% | 2,749 |
| Net interest margin | 4.2796% | 913 |
| Noninterest income to average assets | 1.0434% | 938 |
| Noninterest expense to average assets | 3.9474% | 565 |
| Loan and lease loss provision to assets | 0.3267% | 451 |
| Net operating income to assets | 0.4816% | 4,753 |
| Return on assets (ROA) | 0.4778% | 4,797 |
| Pretax return on assets | 0.6475% | 4,694 |
| Return on Equity (ROE) | 5.2495% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.2495% | 2,551 |
| Net charge-offs to loans | 0.1430% | 1,300 |
| Credit loss provision to net charge-offs | 411.2903% | 773 |
| Earnings coverage of net charge-offs (x) | 12.3306% | 2,203 |
| Efficiency ratio | 80.1222% | 1,199 |
| Assets per employee ($millions) | 3.5724% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9591% | 647 |
| Loan loss allowance to noncurrent loans | 146.9243% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 1.1408% | 1,512 |
| Noncurrent loans to loans | 1.3334% | 1,447 |
| Net loans and leases to total assets | 56.1246% | 4,216 |
| Net loans and leases to deposits | 62.2670% | 4,489 |
| Net loans and leases to core deposits | 65.5472% | 4,500 |
| Total domestic deposits to total assets | 90.1353% | 494 |
| Equity capital to assets | 8.7742% | 5,085 |
| Core capital (leverage) ratio | 8.9353% | 4,794 |
| Tier 1 risk-based capital ratio | 13.6709% | 3,608 |
| Total risk-based capital ratio | 14.9273% | 3,522 |
| Memoranda: | ||
| Average total assets | $312,256,670 | 2,120 |
| Average earning assets | $283,346,330 | 2,155 |
| Average equity | $28,422,000 | 2,478 |
| Average total loans | $173,433,670 | 2,413 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7342% | 881 |
| Cost of funding earning assets | 0.4067% | 2,928 |
| Net interest margin | 4.3275% | 733 |
| Noninterest income to average assets | 1.0626% | 891 |
| Noninterest expense to average assets | 3.8258% | 658 |
| Loan and lease loss provision to assets | 0.1654% | 1,083 |
| Net operating income to assets | 0.7156% | 3,637 |
| Return on assets (ROA) | 0.7080% | 3,712 |
| Pretax return on assets | 0.9899% | 3,410 |
| Return on Equity (ROE) | 7.6272% | 3,103 |
| Retained earnings to average equity (ytd only) | 7.6272% | 1,598 |
| Net charge-offs to loans | 0.0727% | 1,603 |
| Credit loss provision to net charge-offs | 416.6667% | 639 |
| Earnings coverage of net charge-offs (x) | 29.3667% | 1,232 |
| Efficiency ratio | 76.6437% | 1,813 |
| Assets per employee ($millions) | 3.5967% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0671% | 587 |
| Loan loss allowance to noncurrent loans | 132.4210% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 1.0222% | 1,781 |
| Noncurrent loans to loans | 1.5610% | 1,258 |
| Net loans and leases to total assets | 53.2312% | 4,402 |
| Net loans and leases to deposits | 59.9022% | 4,572 |
| Net loans and leases to core deposits | 63.4159% | 4,571 |
| Total domestic deposits to total assets | 88.8636% | 1,220 |
| Equity capital to assets | 9.2938% | 4,522 |
| Core capital (leverage) ratio | 9.6021% | 3,998 |
| Tier 1 risk-based capital ratio | 15.7645% | 2,636 |
| Total risk-based capital ratio | 17.0225% | 2,580 |
| Memoranda: | ||
| Average total assets | $302,267,000 | 2,191 |
| Average earning assets | $274,429,000 | 2,217 |
| Average equity | $28,057,500 | 2,509 |
| Average total loans | $165,054,500 | 2,510 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1634% | 441 |
| Cost of funding earning assets | 0.4108% | 2,897 |
| Net interest margin | 4.7526% | 385 |
| Noninterest income to average assets | 1.2425% | 735 |
| Noninterest expense to average assets | 3.8784% | 711 |
| Loan and lease loss provision to assets | 0.0829% | 2,698 |
| Net operating income to assets | 1.0930% | 1,926 |
| Return on assets (ROA) | 1.1224% | 1,895 |
| Pretax return on assets | 1.6179% | 1,224 |
| Return on Equity (ROE) | 10.7949% | 1,653 |
| Retained earnings to average equity (ytd only) | 10.7949% | 327 |
| Net charge-offs to loans | 0.0770% | 2,592 |
| Credit loss provision to net charge-offs | 184.6154% | 1,522 |
| Earnings coverage of net charge-offs (x) | 36.9231% | 1,250 |
| Efficiency ratio | 70.0499% | 2,895 |
| Assets per employee ($millions) | 3.7352% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0374% | 611 |
| Loan loss allowance to noncurrent loans | 198.4551% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.7409% | 2,511 |
| Noncurrent loans to loans | 1.0266% | 2,033 |
| Net loans and leases to total assets | 53.7443% | 4,458 |
| Net loans and leases to deposits | 61.9056% | 4,552 |
| Net loans and leases to core deposits | 67.1506% | 4,455 |
| Total domestic deposits to total assets | 86.8166% | 2,235 |
| Equity capital to assets | 9.2706% | 4,500 |
| Core capital (leverage) ratio | 10.0202% | 3,463 |
| Tier 1 risk-based capital ratio | 15.6544% | 2,684 |
| Total risk-based capital ratio | 16.9118% | 2,607 |
| Memoranda: | ||
| Average total assets | $260,523,000 | 2,439 |
| Average earning assets | $235,386,200 | 2,478 |
| Average equity | $27,086,800 | 2,563 |
| Average total loans | $152,033,400 | 2,618 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3173% | 358 |
| Cost of funding earning assets | 0.4136% | 2,895 |
| Net interest margin | 4.9037% | 301 |
| Noninterest income to average assets | 1.2852% | 703 |
| Noninterest expense to average assets | 3.9215% | 651 |
| Loan and lease loss provision to assets | 0.0749% | 2,721 |
| Net operating income to assets | 1.1808% | 1,702 |
| Return on assets (ROA) | 1.2215% | 1,657 |
| Pretax return on assets | 1.7692% | 956 |
| Return on Equity (ROE) | 11.3811% | 1,527 |
| Retained earnings to average equity (ytd only) | 11.3811% | 374 |
| Net charge-offs to loans | -0.0358% | 5,232 |
| Credit loss provision to net charge-offs | -352.5000% | 4,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7180% | 3,094 |
| Assets per employee ($millions) | 3.3554% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2065% | 513 |
| Loan loss allowance to noncurrent loans | 228.1333% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.8304% | 2,467 |
| Noncurrent loans to loans | 0.9672% | 2,304 |
| Net loans and leases to total assets | 56.5011% | 4,255 |
| Net loans and leases to deposits | 66.1380% | 4,328 |
| Net loans and leases to core deposits | 71.3704% | 4,219 |
| Total domestic deposits to total assets | 85.4291% | 2,631 |
| Equity capital to assets | 10.5040% | 3,563 |
| Core capital (leverage) ratio | 10.7446% | 2,737 |
| Tier 1 risk-based capital ratio | 16.1670% | 2,558 |
| Total risk-based capital ratio | 17.4268% | 2,504 |
| Memoranda: | ||
| Average total assets | $250,950,000 | 2,503 |
| Average earning assets | $226,273,500 | 2,549 |
| Average equity | $26,933,000 | 2,591 |
| Average total loans | $149,057,750 | 2,655 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3352% | 335 |
| Cost of funding earning assets | 0.4082% | 2,955 |
| Net interest margin | 4.9269% | 300 |
| Noninterest income to average assets | 1.3047% | 671 |
| Noninterest expense to average assets | 3.9082% | 671 |
| Loan and lease loss provision to assets | 0.0539% | 3,070 |
| Net operating income to assets | 1.2332% | 1,494 |
| Return on assets (ROA) | 1.2794% | 1,446 |
| Pretax return on assets | 1.8603% | 762 |
| Return on Equity (ROE) | 11.8286% | 1,378 |
| Retained earnings to average equity (ytd only) | 11.8286% | 350 |
| Net charge-offs to loans | -0.0639% | 5,460 |
| Credit loss provision to net charge-offs | -140.4255% | 4,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9047% | 3,362 |
| Assets per employee ($millions) | 3.2258% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2367% | 515 |
| Loan loss allowance to noncurrent loans | 225.4032% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 2,387 |
| Noncurrent loans to loans | 0.9923% | 2,299 |
| Net loans and leases to total assets | 58.2630% | 4,089 |
| Net loans and leases to deposits | 68.1821% | 4,164 |
| Net loans and leases to core deposits | 73.9100% | 3,990 |
| Total domestic deposits to total assets | 85.4520% | 2,663 |
| Equity capital to assets | 10.9870% | 3,073 |
| Core capital (leverage) ratio | 10.8964% | 2,531 |
| Tier 1 risk-based capital ratio | 16.7363% | 2,338 |
| Total risk-based capital ratio | 17.9966% | 2,286 |
| Memoranda: | ||
| Average total assets | $245,122,670 | 2,570 |
| Average earning assets | $221,436,670 | 2,600 |
| Average equity | $26,512,000 | 2,630 |
| Average total loans | $147,047,330 | 2,687 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3419% | 329 |
| Cost of funding earning assets | 0.4036% | 3,030 |
| Net interest margin | 4.9383% | 292 |
| Noninterest income to average assets | 1.3147% | 633 |
| Noninterest expense to average assets | 3.8317% | 740 |
| Loan and lease loss provision to assets | 0.0430% | 3,062 |
| Net operating income to assets | 1.3094% | 1,231 |
| Return on assets (ROA) | 1.3825% | 1,129 |
| Pretax return on assets | 2.0192% | 542 |
| Return on Equity (ROE) | 12.8886% | 1,060 |
| Retained earnings to average equity (ytd only) | 12.8886% | 403 |
| Net charge-offs to loans | -0.1484% | 5,772 |
| Credit loss provision to net charge-offs | -48.1481% | 4,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2189% | 3,761 |
| Assets per employee ($millions) | 3.1208% | 5,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2739% | 537 |
| Loan loss allowance to noncurrent loans | 182.0724% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 1.0126% | 2,182 |
| Noncurrent loans to loans | 1.2489% | 1,936 |
| Net loans and leases to total assets | 58.6338% | 3,972 |
| Net loans and leases to deposits | 69.1464% | 3,943 |
| Net loans and leases to core deposits | 75.1377% | 3,772 |
| Total domestic deposits to total assets | 84.7966% | 3,204 |
| Equity capital to assets | 10.8949% | 3,052 |
| Core capital (leverage) ratio | 10.8850% | 2,530 |
| Tier 1 risk-based capital ratio | 16.8831% | 2,331 |
| Total risk-based capital ratio | 18.1441% | 2,273 |
| Memoranda: | ||
| Average total assets | $241,876,000 | 2,605 |
| Average earning assets | $219,024,500 | 2,635 |
| Average equity | $25,945,500 | 2,665 |
| Average total loans | $145,594,500 | 2,712 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4826% | 274 |
| Cost of funding earning assets | 0.4048% | 3,102 |
| Net interest margin | 5.0778% | 220 |
| Noninterest income to average assets | 1.2987% | 717 |
| Noninterest expense to average assets | 3.8577% | 801 |
| Loan and lease loss provision to assets | 0.1549% | 1,512 |
| Net operating income to assets | 1.3025% | 1,264 |
| Return on assets (ROA) | 1.3004% | 1,313 |
| Pretax return on assets | 1.8873% | 671 |
| Return on Equity (ROE) | 12.4321% | 1,200 |
| Retained earnings to average equity (ytd only) | 8.3182% | 820 |
| Net charge-offs to loans | 0.0148% | 3,999 |
| Credit loss provision to net charge-offs | 1,714.2857% | 202 |
| Earnings coverage of net charge-offs (x) | 226.3333% | 308 |
| Efficiency ratio | 65.3521% | 4,016 |
| Assets per employee ($millions) | 3.2476% | 5,231 |
| Cash dividends to net income (ytd only)* | 33.0907% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2330% | 565 |
| Loan loss allowance to noncurrent loans | 175.0945% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 1.0369% | 2,116 |
| Noncurrent loans to loans | 1.2753% | 1,848 |
| Net loans and leases to total assets | 59.0435% | 3,963 |
| Net loans and leases to deposits | 71.6988% | 3,752 |
| Net loans and leases to core deposits | 78.3066% | 3,512 |
| Total domestic deposits to total assets | 82.3494% | 4,073 |
| Equity capital to assets | 10.5565% | 3,296 |
| Core capital (leverage) ratio | 10.6469% | 2,776 |
| Tier 1 risk-based capital ratio | 16.5726% | 2,440 |
| Total risk-based capital ratio | 17.8338% | 2,391 |
| Memoranda: | ||
| Average total assets | $232,391,600 | 2,642 |
| Average earning assets | $210,722,600 | 2,671 |
| Average equity | $24,308,000 | 2,757 |
| Average total loans | $142,199,400 | 2,697 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5090% | 260 |
| Cost of funding earning assets | 0.4062% | 3,163 |
| Net interest margin | 5.1028% | 203 |
| Noninterest income to average assets | 1.3379% | 681 |
| Noninterest expense to average assets | 3.8325% | 819 |
| Loan and lease loss provision to assets | 0.1614% | 1,328 |
| Net operating income to assets | 1.3534% | 1,219 |
| Return on assets (ROA) | 1.3466% | 1,275 |
| Pretax return on assets | 1.9576% | 654 |
| Return on Equity (ROE) | 12.9046% | 1,146 |
| Retained earnings to average equity (ytd only) | 7.3590% | 1,519 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2885% | 4,196 |
| Assets per employee ($millions) | 3.2981% | 5,131 |
| Cash dividends to net income (ytd only)* | 42.9738% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2531% | 609 |
| Loan loss allowance to noncurrent loans | 278.7905% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.7435% | 3,045 |
| Noncurrent loans to loans | 0.8082% | 2,945 |
| Net loans and leases to total assets | 58.9332% | 4,020 |
| Net loans and leases to deposits | 69.6542% | 4,026 |
| Net loans and leases to core deposits | 76.0546% | 3,798 |
| Total domestic deposits to total assets | 84.6083% | 3,172 |
| Equity capital to assets | 10.5844% | 3,498 |
| Core capital (leverage) ratio | 10.4047% | 3,161 |
| Tier 1 risk-based capital ratio | 16.5866% | 2,532 |
| Total risk-based capital ratio | 17.8480% | 2,484 |
| Memoranda: | ||
| Average total assets | $230,408,000 | 2,679 |
| Average earning assets | $208,768,000 | 2,712 |
| Average equity | $24,042,500 | 2,798 |
| Average total loans | $141,464,750 | 2,725 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5035% | 267 |
| Cost of funding earning assets | 0.4162% | 3,080 |
| Net interest margin | 5.0873% | 214 |
| Noninterest income to average assets | 1.3100% | 710 |
| Noninterest expense to average assets | 3.8201% | 847 |
| Loan and lease loss provision to assets | 0.1423% | 1,535 |
| Net operating income to assets | 1.3405% | 1,218 |
| Return on assets (ROA) | 1.3249% | 1,303 |
| Pretax return on assets | 1.9332% | 681 |
| Return on Equity (ROE) | 12.7590% | 1,169 |
| Retained earnings to average equity (ytd only) | 4.3539% | 3,245 |
| Net charge-offs to loans | -0.0283% | 5,311 |
| Credit loss provision to net charge-offs | -815.0000% | 5,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5480% | 4,266 |
| Assets per employee ($millions) | 3.2655% | 5,219 |
| Cash dividends to net income (ytd only)* | 65.8762% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1584% | 783 |
| Loan loss allowance to noncurrent loans | 429.6657% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 3,711 |
| Noncurrent loans to loans | 0.5023% | 3,953 |
| Net loans and leases to total assets | 60.3163% | 3,783 |
| Net loans and leases to deposits | 73.4390% | 3,562 |
| Net loans and leases to core deposits | 79.1206% | 3,476 |
| Total domestic deposits to total assets | 82.1312% | 4,250 |
| Equity capital to assets | 10.2406% | 3,762 |
| Core capital (leverage) ratio | 10.2131% | 3,319 |
| Tier 1 risk-based capital ratio | 15.7065% | 2,995 |
| Total risk-based capital ratio | 16.9658% | 2,943 |
| Memoranda: | ||
| Average total assets | $229,155,670 | 2,707 |
| Average earning assets | $207,577,330 | 2,739 |
| Average equity | $23,795,000 | 2,831 |
| Average total loans | $141,559,000 | 2,731 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4652% | 276 |
| Cost of funding earning assets | 0.4261% | 3,003 |
| Net interest margin | 5.0392% | 233 |
| Noninterest income to average assets | 1.3485% | 634 |
| Noninterest expense to average assets | 3.8576% | 817 |
| Loan and lease loss provision to assets | 0.1317% | 1,572 |
| Net operating income to assets | 1.3184% | 1,216 |
| Return on assets (ROA) | 1.3327% | 1,252 |
| Pretax return on assets | 1.9490% | 652 |
| Return on Equity (ROE) | 12.7451% | 1,150 |
| Retained earnings to average equity (ytd only) | 12.7451% | 474 |
| Net charge-offs to loans | -0.0426% | 5,442 |
| Credit loss provision to net charge-offs | -500.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1929% | 4,287 |
| Assets per employee ($millions) | 3.2295% | 5,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1037% | 919 |
| Loan loss allowance to noncurrent loans | 242.0712% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.8007% | 3,107 |
| Noncurrent loans to loans | 0.8691% | 3,071 |
| Net loans and leases to total assets | 60.7212% | 3,556 |
| Net loans and leases to deposits | 72.9326% | 3,441 |
| Net loans and leases to core deposits | 78.6639% | 3,311 |
| Total domestic deposits to total assets | 83.2566% | 4,093 |
| Equity capital to assets | 10.6015% | 3,423 |
| Core capital (leverage) ratio | 10.3578% | 3,152 |
| Tier 1 risk-based capital ratio | 16.1064% | 2,871 |
| Total risk-based capital ratio | 17.3659% | 2,801 |
| Memoranda: | ||
| Average total assets | $227,808,000 | 2,739 |
| Average earning assets | $206,542,000 | 2,767 |
| Average equity | $23,821,000 | 2,850 |
| Average total loans | $140,874,000 | 2,747 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5115% | 308 |
| Cost of funding earning assets | 0.4632% | 3,038 |
| Net interest margin | 5.0482% | 278 |
| Noninterest income to average assets | 1.0441% | 1,125 |
| Noninterest expense to average assets | 3.9862% | 762 |
| Loan and lease loss provision to assets | 0.1088% | 2,343 |
| Net operating income to assets | 1.0648% | 2,111 |
| Return on assets (ROA) | 1.0668% | 2,155 |
| Pretax return on assets | 1.4963% | 1,554 |
| Return on Equity (ROE) | 10.6676% | 1,829 |
| Retained earnings to average equity (ytd only) | 10.6676% | 420 |
| Net charge-offs to loans | 0.2612% | 1,655 |
| Credit loss provision to net charge-offs | 69.7329% | 3,087 |
| Earnings coverage of net charge-offs (x) | 10.2730% | 2,630 |
| Efficiency ratio | 71.3292% | 3,323 |
| Assets per employee ($millions) | 3.1876% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0799% | 978 |
| Loan loss allowance to noncurrent loans | 347.1292% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 3,574 |
| Noncurrent loans to loans | 0.5992% | 3,873 |
| Net loans and leases to total assets | 60.3670% | 3,740 |
| Net loans and leases to deposits | 76.1223% | 3,184 |
| Net loans and leases to core deposits | 82.3694% | 3,064 |
| Total domestic deposits to total assets | 79.3027% | 5,185 |
| Equity capital to assets | 10.3098% | 3,708 |
| Core capital (leverage) ratio | 10.2288% | 3,276 |
| Tier 1 risk-based capital ratio | 16.2687% | 2,827 |
| Total risk-based capital ratio | 17.5285% | 2,764 |
| Memoranda: | ||
| Average total assets | $216,071,000 | 2,826 |
| Average earning assets | $194,503,800 | 2,863 |
| Average equity | $21,607,400 | 2,987 |
| Average total loans | $128,996,400 | 2,888 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5405% | 299 |
| Cost of funding earning assets | 0.4677% | 3,073 |
| Net interest margin | 5.0728% | 259 |
| Noninterest income to average assets | 1.0035% | 1,218 |
| Noninterest expense to average assets | 4.0078% | 745 |
| Loan and lease loss provision to assets | 0.0468% | 3,446 |
| Net operating income to assets | 1.0465% | 2,245 |
| Return on assets (ROA) | 1.0547% | 2,282 |
| Pretax return on assets | 1.5193% | 1,584 |
| Return on Equity (ROE) | 10.6344% | 1,933 |
| Retained earnings to average equity (ytd only) | 10.6344% | 568 |
| Net charge-offs to loans | 0.2891% | 1,365 |
| Credit loss provision to net charge-offs | 27.3723% | 3,491 |
| Earnings coverage of net charge-offs (x) | 9.0840% | 2,716 |
| Efficiency ratio | 72.0557% | 3,164 |
| Assets per employee ($millions) | 3.2922% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0795% | 1,115 |
| Loan loss allowance to noncurrent loans | 289.4737% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 3,623 |
| Noncurrent loans to loans | 0.7184% | 3,812 |
| Net loans and leases to total assets | 58.9988% | 3,936 |
| Net loans and leases to deposits | 74.1985% | 3,412 |
| Net loans and leases to core deposits | 80.1451% | 3,297 |
| Total domestic deposits to total assets | 79.5148% | 5,216 |
| Equity capital to assets | 9.9942% | 4,173 |
| Core capital (leverage) ratio | 10.0424% | 3,616 |
| Tier 1 risk-based capital ratio | 16.2258% | 2,942 |
| Total risk-based capital ratio | 17.4827% | 2,893 |
| Memoranda: | ||
| Average total assets | $213,509,000 | 2,869 |
| Average earning assets | $191,868,750 | 2,915 |
| Average equity | $21,176,000 | 3,040 |
| Average total loans | $126,364,500 | 2,949 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4653% | 327 |
| Cost of funding earning assets | 0.4700% | 3,107 |
| Net interest margin | 4.9953% | 285 |
| Noninterest income to average assets | 1.0226% | 1,139 |
| Noninterest expense to average assets | 4.0894% | 688 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9832% | 2,393 |
| Return on assets (ROA) | 0.9912% | 2,435 |
| Pretax return on assets | 1.4177% | 1,828 |
| Return on Equity (ROE) | 10.0209% | 2,142 |
| Retained earnings to average equity (ytd only) | 10.0209% | 710 |
| Net charge-offs to loans | 0.2801% | 1,419 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.5376% | 2,476 |
| Efficiency ratio | 74.4109% | 2,906 |
| Assets per employee ($millions) | 3.1794% | 5,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2021% | 1,021 |
| Loan loss allowance to noncurrent loans | 227.9388% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.8520% | 3,413 |
| Noncurrent loans to loans | 0.9661% | 3,307 |
| Net loans and leases to total assets | 58.1546% | 3,972 |
| Net loans and leases to deposits | 72.4219% | 3,519 |
| Net loans and leases to core deposits | 78.6537% | 3,359 |
| Total domestic deposits to total assets | 80.2998% | 5,179 |
| Equity capital to assets | 9.9886% | 4,121 |
| Core capital (leverage) ratio | 10.0901% | 3,486 |
| Tier 1 risk-based capital ratio | 16.5213% | 2,818 |
| Total risk-based capital ratio | 17.7822% | 2,780 |
| Memoranda: | ||
| Average total assets | $210,055,670 | 2,914 |
| Average earning assets | $188,096,330 | 2,978 |
| Average equity | $20,776,670 | 3,086 |
| Average total loans | $123,524,330 | 2,999 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4810% | 297 |
| Cost of funding earning assets | 0.4833% | 3,085 |
| Net interest margin | 4.9977% | 275 |
| Noninterest income to average assets | 1.1073% | 909 |
| Noninterest expense to average assets | 4.1104% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0192% | 2,134 |
| Return on assets (ROA) | 1.0300% | 2,158 |
| Pretax return on assets | 1.4687% | 1,522 |
| Return on Equity (ROE) | 10.4677% | 1,882 |
| Retained earnings to average equity (ytd only) | 10.4677% | 852 |
| Net charge-offs to loans | 0.5025% | 732 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.9474% | 2,454 |
| Efficiency ratio | 73.8798% | 3,164 |
| Assets per employee ($millions) | 3.0208% | 5,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3182% | 1,001 |
| Loan loss allowance to noncurrent loans | 318.3036% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.9130% | 3,444 |
| Noncurrent loans to loans | 0.7283% | 4,040 |
| Net loans and leases to total assets | 57.6550% | 3,907 |
| Net loans and leases to deposits | 70.5074% | 3,537 |
| Net loans and leases to core deposits | 77.4758% | 3,253 |
| Total domestic deposits to total assets | 81.7716% | 5,009 |
| Equity capital to assets | 9.9651% | 3,883 |
| Core capital (leverage) ratio | 10.1975% | 3,299 |
| Tier 1 risk-based capital ratio | 16.7502% | 2,790 |
| Total risk-based capital ratio | 18.0122% | 2,749 |
| Memoranda: | ||
| Average total assets | $206,985,500 | 2,970 |
| Average earning assets | $184,563,500 | 3,041 |
| Average equity | $20,367,500 | 3,128 |
| Average total loans | $121,007,000 | 3,056 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5255% | 349 |
| Cost of funding earning assets | 0.5421% | 3,176 |
| Net interest margin | 4.9834% | 317 |
| Noninterest income to average assets | 1.0865% | 1,196 |
| Noninterest expense to average assets | 3.8668% | 1,035 |
| Loan and lease loss provision to assets | 0.1029% | 3,082 |
| Net operating income to assets | 1.1039% | 1,921 |
| Return on assets (ROA) | 1.0920% | 2,034 |
| Pretax return on assets | 1.6045% | 1,156 |
| Return on Equity (ROE) | 11.2746% | 1,675 |
| Retained earnings to average equity (ytd only) | 11.2746% | 389 |
| Net charge-offs to loans | 0.3458% | 1,950 |
| Credit loss provision to net charge-offs | 50.1217% | 3,812 |
| Earnings coverage of net charge-offs (x) | 8.4015% | 2,681 |
| Efficiency ratio | 69.1531% | 3,987 |
| Assets per employee ($millions) | 3.0225% | 5,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5246% | 806 |
| Loan loss allowance to noncurrent loans | 517.9310% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.8539% | 3,751 |
| Noncurrent loans to loans | 0.4874% | 4,777 |
| Net loans and leases to total assets | 56.4304% | 4,255 |
| Net loans and leases to deposits | 70.0799% | 3,774 |
| Net loans and leases to core deposits | 76.9807% | 3,493 |
| Total domestic deposits to total assets | 80.5228% | 5,312 |
| Equity capital to assets | 9.7133% | 4,152 |
| Core capital (leverage) ratio | 10.0630% | 3,476 |
| Tier 1 risk-based capital ratio | 16.8640% | 2,672 |
| Total risk-based capital ratio | 18.1289% | 2,629 |
| Memoranda: | ||
| Average total assets | $200,190,200 | 3,030 |
| Average earning assets | $180,979,400 | 3,055 |
| Average equity | $19,388,800 | 3,233 |
| Average total loans | $118,866,400 | 3,063 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5161% | 365 |
| Cost of funding earning assets | 0.5685% | 3,095 |
| Net interest margin | 4.9476% | 347 |
| Noninterest income to average assets | 1.0936% | 1,219 |
| Noninterest expense to average assets | 3.7601% | 1,144 |
| Loan and lease loss provision to assets | 0.1214% | 2,778 |
| Net operating income to assets | 1.1348% | 1,868 |
| Return on assets (ROA) | 1.1190% | 2,007 |
| Pretax return on assets | 1.6762% | 1,152 |
| Return on Equity (ROE) | 11.5629% | 1,639 |
| Retained earnings to average equity (ytd only) | 11.5629% | 495 |
| Net charge-offs to loans | 0.2289% | 2,435 |
| Credit loss provision to net charge-offs | 88.7255% | 2,663 |
| Earnings coverage of net charge-offs (x) | 13.3139% | 2,038 |
| Efficiency ratio | 67.3715% | 4,217 |
| Assets per employee ($millions) | 3.0856% | 5,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7383% | 711 |
| Loan loss allowance to noncurrent loans | 357.9775% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.9229% | 3,826 |
| Noncurrent loans to loans | 0.7649% | 4,316 |
| Net loans and leases to total assets | 56.4242% | 4,260 |
| Net loans and leases to deposits | 69.9283% | 3,794 |
| Net loans and leases to core deposits | 76.4845% | 3,566 |
| Total domestic deposits to total assets | 80.6887% | 5,307 |
| Equity capital to assets | 9.7546% | 4,239 |
| Core capital (leverage) ratio | 10.0631% | 3,580 |
| Tier 1 risk-based capital ratio | 17.4498% | 2,524 |
| Total risk-based capital ratio | 18.7181% | 2,488 |
| Memoranda: | ||
| Average total assets | $198,854,500 | 3,072 |
| Average earning assets | $180,366,000 | 3,095 |
| Average equity | $19,245,000 | 3,283 |
| Average total loans | $118,836,250 | 3,080 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5384% | 355 |
| Cost of funding earning assets | 0.5853% | 3,080 |
| Net interest margin | 4.9531% | 335 |
| Noninterest income to average assets | 1.1912% | 1,073 |
| Noninterest expense to average assets | 3.7774% | 1,128 |
| Loan and lease loss provision to assets | 0.1826% | 2,079 |
| Net operating income to assets | 1.1519% | 1,732 |
| Return on assets (ROA) | 1.1458% | 1,879 |
| Pretax return on assets | 1.7207% | 1,069 |
| Return on Equity (ROE) | 11.8713% | 1,531 |
| Retained earnings to average equity (ytd only) | 11.8713% | 519 |
| Net charge-offs to loans | 0.2006% | 2,560 |
| Credit loss provision to net charge-offs | 150.8333% | 1,529 |
| Earnings coverage of net charge-offs (x) | 15.8000% | 1,711 |
| Efficiency ratio | 66.3889% | 4,477 |
| Assets per employee ($millions) | 3.1737% | 5,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8008% | 706 |
| Loan loss allowance to noncurrent loans | 360.1322% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.9303% | 3,923 |
| Noncurrent loans to loans | 0.7777% | 4,360 |
| Net loans and leases to total assets | 56.7575% | 4,168 |
| Net loans and leases to deposits | 68.4685% | 3,942 |
| Net loans and leases to core deposits | 77.1691% | 3,402 |
| Total domestic deposits to total assets | 82.8959% | 4,741 |
| Equity capital to assets | 9.6569% | 4,375 |
| Core capital (leverage) ratio | 9.8497% | 3,719 |
| Tier 1 risk-based capital ratio | 17.4255% | 2,543 |
| Total risk-based capital ratio | 18.6953% | 2,504 |
| Memoranda: | ||
| Average total assets | $198,285,670 | 3,086 |
| Average earning assets | $180,088,000 | 3,112 |
| Average equity | $19,138,670 | 3,310 |
| Average total loans | $119,664,670 | 3,077 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7128% | 267 |
| Cost of funding earning assets | 0.6162% | 2,958 |
| Net interest margin | 5.0966% | 239 |
| Noninterest income to average assets | 1.1891% | 1,062 |
| Noninterest expense to average assets | 3.7496% | 1,176 |
| Loan and lease loss provision to assets | 0.2552% | 1,399 |
| Net operating income to assets | 1.2011% | 1,522 |
| Return on assets (ROA) | 1.1851% | 1,681 |
| Pretax return on assets | 1.7847% | 910 |
| Return on Equity (ROE) | 12.2809% | 1,353 |
| Retained earnings to average equity (ytd only) | 12.2809% | 660 |
| Net charge-offs to loans | 0.0925% | 2,919 |
| Credit loss provision to net charge-offs | 450.0000% | 585 |
| Earnings coverage of net charge-offs (x) | 36.3929% | 851 |
| Efficiency ratio | 64.4948% | 4,922 |
| Assets per employee ($millions) | 3.0850% | 5,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7725% | 846 |
| Loan loss allowance to noncurrent loans | 216.9948% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 1.4814% | 3,040 |
| Noncurrent loans to loans | 1.2777% | 3,639 |
| Net loans and leases to total assets | 58.7362% | 3,661 |
| Net loans and leases to deposits | 70.9201% | 3,337 |
| Net loans and leases to core deposits | 80.1163% | 2,792 |
| Total domestic deposits to total assets | 82.8203% | 4,916 |
| Equity capital to assets | 9.7689% | 4,470 |
| Core capital (leverage) ratio | 9.7353% | 3,739 |
| Tier 1 risk-based capital ratio | 17.2965% | 2,649 |
| Total risk-based capital ratio | 18.5678% | 2,603 |
| Memoranda: | ||
| Average total assets | $197,458,500 | 3,125 |
| Average earning assets | $179,177,000 | 3,158 |
| Average equity | $19,054,000 | 3,369 |
| Average total loans | $121,121,500 | 3,065 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1269% | 223 |
| Cost of funding earning assets | 0.8329% | 2,404 |
| Net interest margin | 5.2940% | 234 |
| Noninterest income to average assets | 1.1292% | 1,225 |
| Noninterest expense to average assets | 3.9089% | 1,091 |
| Loan and lease loss provision to assets | 0.4782% | 1,287 |
| Net operating income to assets | 1.0341% | 2,192 |
| Return on assets (ROA) | 1.1073% | 2,096 |
| Pretax return on assets | 1.6532% | 1,255 |
| Return on Equity (ROE) | 11.2874% | 1,719 |
| Retained earnings to average equity (ytd only) | 5.8529% | 2,158 |
| Net charge-offs to loans | 0.5710% | 2,014 |
| Credit loss provision to net charge-offs | 124.4105% | 2,285 |
| Earnings coverage of net charge-offs (x) | 5.2607% | 3,092 |
| Efficiency ratio | 65.9056% | 4,520 |
| Assets per employee ($millions) | 3.0855% | 5,867 |
| Cash dividends to net income (ytd only)* | 48.1464% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6097% | 1,011 |
| Loan loss allowance to noncurrent loans | 130.3941% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 2.0782% | 2,362 |
| Noncurrent loans to loans | 2.0014% | 2,692 |
| Net loans and leases to total assets | 60.6441% | 3,483 |
| Net loans and leases to deposits | 73.8416% | 3,114 |
| Net loans and leases to core deposits | 83.1357% | 2,655 |
| Total domestic deposits to total assets | 82.1274% | 5,052 |
| Equity capital to assets | 9.5303% | 4,832 |
| Core capital (leverage) ratio | 9.4457% | 4,187 |
| Tier 1 risk-based capital ratio | 16.2990% | 2,994 |
| Total risk-based capital ratio | 17.5679% | 2,945 |
| Memoranda: | ||
| Average total assets | $187,570,800 | 3,201 |
| Average earning assets | $170,135,400 | 3,225 |
| Average equity | $18,401,000 | 3,423 |
| Average total loans | $126,268,800 | 2,949 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1899% | 216 |
| Cost of funding earning assets | 0.8549% | 2,502 |
| Net interest margin | 5.3350% | 228 |
| Noninterest income to average assets | 1.1360% | 1,173 |
| Noninterest expense to average assets | 3.9474% | 1,003 |
| Loan and lease loss provision to assets | 0.4733% | 1,308 |
| Net operating income to assets | 1.0370% | 2,330 |
| Return on assets (ROA) | 1.1360% | 2,157 |
| Pretax return on assets | 1.7043% | 1,258 |
| Return on Equity (ROE) | 11.4920% | 1,797 |
| Retained earnings to average equity (ytd only) | 11.4920% | 615 |
| Net charge-offs to loans | 0.6861% | 1,607 |
| Credit loss provision to net charge-offs | 100.4587% | 2,944 |
| Earnings coverage of net charge-offs (x) | 4.3089% | 3,340 |
| Efficiency ratio | 66.0400% | 4,447 |
| Assets per employee ($millions) | 3.0803% | 5,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4363% | 1,293 |
| Loan loss allowance to noncurrent loans | 108.4673% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 2.3327% | 2,278 |
| Noncurrent loans to loans | 2.2461% | 2,561 |
| Net loans and leases to total assets | 63.6608% | 3,083 |
| Net loans and leases to deposits | 80.5454% | 2,307 |
| Net loans and leases to core deposits | 90.6603% | 1,905 |
| Total domestic deposits to total assets | 79.0372% | 5,862 |
| Equity capital to assets | 10.1094% | 4,338 |
| Core capital (leverage) ratio | 10.0285% | 3,500 |
| Tier 1 risk-based capital ratio | 16.6387% | 2,925 |
| Total risk-based capital ratio | 17.9054% | 2,884 |
| Memoranda: | ||
| Average total assets | $185,094,750 | 3,269 |
| Average earning assets | $167,968,750 | 3,288 |
| Average equity | $18,296,250 | 3,468 |
| Average total loans | $127,094,500 | 2,971 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2790% | 192 |
| Cost of funding earning assets | 0.8785% | 2,578 |
| Net interest margin | 5.4006% | 210 |
| Noninterest income to average assets | 1.0637% | 1,270 |
| Noninterest expense to average assets | 3.9447% | 1,014 |
| Loan and lease loss provision to assets | 0.4445% | 1,454 |
| Net operating income to assets | 1.0590% | 2,210 |
| Return on assets (ROA) | 1.2090% | 1,875 |
| Pretax return on assets | 1.8063% | 1,029 |
| Return on Equity (ROE) | 12.3279% | 1,567 |
| Retained earnings to average equity (ytd only) | 12.3279% | 532 |
| Net charge-offs to loans | 0.6582% | 1,678 |
| Credit loss provision to net charge-offs | 96.6746% | 2,864 |
| Earnings coverage of net charge-offs (x) | 4.4086% | 3,098 |
| Efficiency ratio | 66.0571% | 4,520 |
| Assets per employee ($millions) | 2.9780% | 6,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3653% | 1,469 |
| Loan loss allowance to noncurrent loans | 118.8583% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 2.1363% | 2,621 |
| Noncurrent loans to loans | 1.9900% | 2,959 |
| Net loans and leases to total assets | 66.4229% | 2,589 |
| Net loans and leases to deposits | 84.6268% | 1,772 |
| Net loans and leases to core deposits | 95.7532% | 1,448 |
| Total domestic deposits to total assets | 78.4892% | 6,057 |
| Equity capital to assets | 10.0249% | 4,294 |
| Core capital (leverage) ratio | 9.9552% | 3,479 |
| Tier 1 risk-based capital ratio | 15.7381% | 3,310 |
| Total risk-based capital ratio | 17.0053% | 3,270 |
| Memoranda: | ||
| Average total assets | $183,132,670 | 3,311 |
| Average earning assets | $166,427,000 | 3,322 |
| Average equity | $17,959,330 | 3,507 |
| Average total loans | $127,920,670 | 2,965 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5309% | 152 |
| Cost of funding earning assets | 0.9086% | 2,623 |
| Net interest margin | 5.6223% | 156 |
| Noninterest income to average assets | 1.0481% | 1,314 |
| Noninterest expense to average assets | 3.9206% | 1,035 |
| Loan and lease loss provision to assets | 0.5860% | 979 |
| Net operating income to assets | 1.1167% | 2,004 |
| Return on assets (ROA) | 1.1167% | 2,189 |
| Pretax return on assets | 1.6452% | 1,442 |
| Return on Equity (ROE) | 11.5198% | 1,831 |
| Retained earnings to average equity (ytd only) | 11.5198% | 917 |
| Net charge-offs to loans | 0.8184% | 1,254 |
| Credit loss provision to net charge-offs | 101.1450% | 2,274 |
| Earnings coverage of net charge-offs (x) | 3.8511% | 2,726 |
| Efficiency ratio | 63.7311% | 4,973 |
| Assets per employee ($millions) | 2.9782% | 6,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3946% | 1,514 |
| Loan loss allowance to noncurrent loans | 104.5455% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 2.1239% | 2,755 |
| Noncurrent loans to loans | 2.2905% | 2,811 |
| Net loans and leases to total assets | 65.9530% | 2,472 |
| Net loans and leases to deposits | 82.2715% | 1,899 |
| Net loans and leases to core deposits | 91.3673% | 1,714 |
| Total domestic deposits to total assets | 80.1651% | 5,818 |
| Equity capital to assets | 9.7480% | 4,458 |
| Core capital (leverage) ratio | 9.6405% | 3,858 |
| Tier 1 risk-based capital ratio | 15.0657% | 3,713 |
| Total risk-based capital ratio | 16.3316% | 3,662 |
| Memoranda: | ||
| Average total assets | $180,892,500 | 3,362 |
| Average earning assets | $164,203,500 | 3,373 |
| Average equity | $17,535,000 | 3,565 |
| Average total loans | $128,062,500 | 2,979 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4083% | 212 |
| Cost of funding earning assets | 1.0008% | 3,374 |
| Net interest margin | 5.4075% | 203 |
| Noninterest income to average assets | 1.2146% | 897 |
| Noninterest expense to average assets | 3.9833% | 1,062 |
| Loan and lease loss provision to assets | 0.3768% | 2,734 |
| Net operating income to assets | 1.1934% | 1,524 |
| Return on assets (ROA) | 1.1934% | 1,637 |
| Pretax return on assets | 1.7628% | 871 |
| Return on Equity (ROE) | 12.1850% | 1,356 |
| Retained earnings to average equity (ytd only) | -2.4534% | 6,207 |
| Net charge-offs to loans | 0.3553% | 3,630 |
| Credit loss provision to net charge-offs | 148.3070% | 1,917 |
| Earnings coverage of net charge-offs (x) | 8.4221% | 2,151 |
| Efficiency ratio | 65.0557% | 4,940 |
| Assets per employee ($millions) | 2.9026% | 6,283 |
| Cash dividends to net income (ytd only)* | 120.1346% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3449% | 1,551 |
| Loan loss allowance to noncurrent loans | 162.3662% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 1.7048% | 3,390 |
| Noncurrent loans to loans | 1.4442% | 4,004 |
| Net loans and leases to total assets | 72.5264% | 1,555 |
| Net loans and leases to deposits | 96.2765% | 658 |
| Net loans and leases to core deposits | 105.8671% | 795 |
| Total domestic deposits to total assets | 75.3313% | 6,559 |
| Equity capital to assets | 9.6350% | 4,696 |
| Core capital (leverage) ratio | 9.5211% | 3,989 |
| Tier 1 risk-based capital ratio | 13.7493% | 4,519 |
| Total risk-based capital ratio | 15.0147% | 4,469 |
| Memoranda: | ||
| Average total assets | $174,376,800 | 3,426 |
| Average earning assets | $158,280,200 | 3,437 |
| Average equity | $17,078,400 | 3,566 |
| Average total loans | $124,671,800 | 3,087 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3443% | 253 |
| Cost of funding earning assets | 1.0319% | 3,452 |
| Net interest margin | 5.3125% | 244 |
| Noninterest income to average assets | 1.1779% | 952 |
| Noninterest expense to average assets | 3.7209% | 1,450 |
| Loan and lease loss provision to assets | 0.3875% | 2,533 |
| Net operating income to assets | 1.2765% | 1,440 |
| Return on assets (ROA) | 1.2765% | 1,543 |
| Pretax return on assets | 1.8941% | 789 |
| Return on Equity (ROE) | 12.9809% | 1,285 |
| Retained earnings to average equity (ytd only) | 1.3214% | 5,479 |
| Net charge-offs to loans | 0.1220% | 4,816 |
| Credit loss provision to net charge-offs | 448.6726% | 622 |
| Earnings coverage of net charge-offs (x) | 26.4164% | 1,019 |
| Efficiency ratio | 61.9890% | 5,409 |
| Assets per employee ($millions) | 3.0473% | 6,014 |
| Cash dividends to net income (ytd only)* | 89.8204% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1916% | 1,877 |
| Loan loss allowance to noncurrent loans | 120.8757% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 1.7896% | 3,413 |
| Noncurrent loans to loans | 1.8131% | 3,624 |
| Net loans and leases to total assets | 71.4738% | 1,822 |
| Net loans and leases to deposits | 94.9885% | 761 |
| Net loans and leases to core deposits | 103.1284% | 1,029 |
| Total domestic deposits to total assets | 75.2447% | 6,613 |
| Equity capital to assets | 10.2291% | 4,048 |
| Core capital (leverage) ratio | 10.0707% | 3,346 |
| Tier 1 risk-based capital ratio | 14.6923% | 3,841 |
| Total risk-based capital ratio | 15.9561% | 3,813 |
| Memoranda: | ||
| Average total assets | $174,432,000 | 3,442 |
| Average earning assets | $158,415,750 | 3,460 |
| Average equity | $17,153,000 | 3,558 |
| Average total loans | $123,504,250 | 3,134 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2356% | 310 |
| Cost of funding earning assets | 1.0775% | 3,407 |
| Net interest margin | 5.1580% | 301 |
| Noninterest income to average assets | 1.0917% | 1,085 |
| Noninterest expense to average assets | 3.5813% | 1,783 |
| Loan and lease loss provision to assets | 0.5259% | 1,859 |
| Net operating income to assets | 1.1338% | 1,779 |
| Return on assets (ROA) | 1.1338% | 1,852 |
| Pretax return on assets | 1.6654% | 1,122 |
| Return on Equity (ROE) | 11.6819% | 1,584 |
| Retained earnings to average equity (ytd only) | -0.0469% | 5,848 |
| Net charge-offs to loans | 0.0455% | 5,215 |
| Credit loss provision to net charge-offs | 1,650.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 68.7500% | 485 |
| Efficiency ratio | 62.0390% | 5,576 |
| Assets per employee ($millions) | 3.1212% | 5,829 |
| Cash dividends to net income (ytd only)* | 100.4016% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2169% | 1,881 |
| Loan loss allowance to noncurrent loans | 122.2124% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 1.7518% | 3,570 |
| Noncurrent loans to loans | 1.8140% | 3,731 |
| Net loans and leases to total assets | 69.9769% | 2,224 |
| Net loans and leases to deposits | 92.0026% | 1,062 |
| Net loans and leases to core deposits | 99.6180% | 1,378 |
| Total domestic deposits to total assets | 76.0597% | 6,592 |
| Equity capital to assets | 9.7655% | 4,435 |
| Core capital (leverage) ratio | 9.7138% | 3,647 |
| Tier 1 risk-based capital ratio | 14.8775% | 3,566 |
| Total risk-based capital ratio | 16.1422% | 3,528 |
| Memoranda: | ||
| Average total assets | $175,692,670 | 3,437 |
| Average earning assets | $159,440,330 | 3,457 |
| Average equity | $17,052,000 | 3,557 |
| Average total loans | $123,104,670 | 3,168 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1124% | 391 |
| Cost of funding earning assets | 1.1395% | 3,234 |
| Net interest margin | 4.9729% | 402 |
| Noninterest income to average assets | 1.1059% | 1,070 |
| Noninterest expense to average assets | 3.5698% | 1,827 |
| Loan and lease loss provision to assets | 0.2498% | 3,160 |
| Net operating income to assets | 1.1922% | 1,542 |
| Return on assets (ROA) | 1.1922% | 1,587 |
| Pretax return on assets | 1.8053% | 809 |
| Return on Equity (ROE) | 12.3214% | 1,372 |
| Retained earnings to average equity (ytd only) | 0.5867% | 5,597 |
| Net charge-offs to loans | 0.0393% | 4,564 |
| Credit loss provision to net charge-offs | 916.6667% | 411 |
| Earnings coverage of net charge-offs (x) | 75.4167% | 412 |
| Efficiency ratio | 63.4639% | 5,447 |
| Assets per employee ($millions) | 3.3139% | 5,444 |
| Cash dividends to net income (ytd only)* | 95.2381% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1735% | 2,021 |
| Loan loss allowance to noncurrent loans | 168.6312% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 1.5686% | 3,896 |
| Noncurrent loans to loans | 1.2889% | 4,549 |
| Net loans and leases to total assets | 66.9269% | 2,778 |
| Net loans and leases to deposits | 89.4291% | 1,305 |
| Net loans and leases to core deposits | 97.3890% | 1,569 |
| Total domestic deposits to total assets | 74.8379% | 6,817 |
| Equity capital to assets | 9.5305% | 4,389 |
| Core capital (leverage) ratio | 9.4998% | 3,807 |
| Tier 1 risk-based capital ratio | 15.2835% | 3,266 |
| Total risk-based capital ratio | 16.5473% | 3,222 |
| Memoranda: | ||
| Average total assets | $176,144,500 | 3,450 |
| Average earning assets | $160,067,500 | 3,465 |
| Average equity | $17,043,500 | 3,555 |
| Average total loans | $122,114,500 | 3,213 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6311% | 263 |
| Cost of funding earning assets | 1.4373% | 3,033 |
| Net interest margin | 5.1938% | 287 |
| Noninterest income to average assets | 1.5543% | 607 |
| Noninterest expense to average assets | 3.8719% | 1,361 |
| Loan and lease loss provision to assets | 0.5856% | 2,792 |
| Net operating income to assets | 1.2496% | 1,295 |
| Return on assets (ROA) | 1.3730% | 1,071 |
| Pretax return on assets | 1.9904% | 487 |
| Return on Equity (ROE) | 14.0118% | 876 |
| Retained earnings to average equity (ytd only) | 2.6006% | 4,043 |
| Net charge-offs to loans | 0.3993% | 4,039 |
| Credit loss provision to net charge-offs | 190.2486% | 1,698 |
| Earnings coverage of net charge-offs (x) | 7.7878% | 2,064 |
| Efficiency ratio | 61.7630% | 5,768 |
| Assets per employee ($millions) | 3.0953% | 5,891 |
| Cash dividends to net income (ytd only)* | 81.4402% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1133% | 2,040 |
| Loan loss allowance to noncurrent loans | 209.0983% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 1.5905% | 3,920 |
| Noncurrent loans to loans | 1.0107% | 5,044 |
| Net loans and leases to total assets | 68.7834% | 2,790 |
| Net loans and leases to deposits | 91.1961% | 1,371 |
| Net loans and leases to core deposits | 100.3645% | 1,588 |
| Total domestic deposits to total assets | 75.4236% | 6,706 |
| Equity capital to assets | 9.8259% | 3,965 |
| Core capital (leverage) ratio | 9.7935% | 3,324 |
| Tier 1 risk-based capital ratio | 15.3924% | 3,047 |
| Total risk-based capital ratio | 16.6562% | 3,001 |
| Memoranda: | ||
| Average total assets | $169,917,000 | 3,538 |
| Average earning assets | $154,242,800 | 3,570 |
| Average equity | $16,650,200 | 3,652 |
| Average total loans | $130,988,800 | 3,105 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6933% | 244 |
| Cost of funding earning assets | 1.4817% | 3,074 |
| Net interest margin | 5.2116% | 287 |
| Noninterest income to average assets | 1.5331% | 587 |
| Noninterest expense to average assets | 3.7650% | 1,441 |
| Loan and lease loss provision to assets | 0.5521% | 2,737 |
| Net operating income to assets | 1.3511% | 1,218 |
| Return on assets (ROA) | 1.4006% | 1,175 |
| Pretax return on assets | 2.0174% | 599 |
| Return on Equity (ROE) | 14.3037% | 970 |
| Retained earnings to average equity (ytd only) | -0.9987% | 6,017 |
| Net charge-offs to loans | 0.3321% | 4,000 |
| Credit loss provision to net charge-offs | 210.8434% | 1,663 |
| Earnings coverage of net charge-offs (x) | 9.5391% | 2,007 |
| Efficiency ratio | 60.1184% | 5,931 |
| Assets per employee ($millions) | 3.1512% | 5,799 |
| Cash dividends to net income (ytd only)* | 106.9820% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9403% | 2,377 |
| Loan loss allowance to noncurrent loans | 98.6883% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.9456% | 3,542 |
| Noncurrent loans to loans | 1.9660% | 3,726 |
| Net loans and leases to total assets | 74.5921% | 1,668 |
| Net loans and leases to deposits | 99.0917% | 715 |
| Net loans and leases to core deposits | 108.3873% | 1,131 |
| Total domestic deposits to total assets | 75.2758% | 6,771 |
| Equity capital to assets | 9.6223% | 4,661 |
| Core capital (leverage) ratio | 9.4904% | 3,920 |
| Tier 1 risk-based capital ratio | 13.7851% | 3,995 |
| Total risk-based capital ratio | 15.1291% | 3,901 |
| Memoranda: | ||
| Average total assets | $169,062,000 | 3,605 |
| Average earning assets | $153,424,250 | 3,633 |
| Average equity | $16,554,750 | 3,714 |
| Average total loans | $133,285,750 | 3,115 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7360% | 230 |
| Cost of funding earning assets | 1.5311% | 3,064 |
| Net interest margin | 5.2049% | 280 |
| Noninterest income to average assets | 1.3350% | 711 |
| Noninterest expense to average assets | 3.5730% | 1,845 |
| Loan and lease loss provision to assets | 0.4056% | 3,285 |
| Net operating income to assets | 1.4441% | 1,005 |
| Return on assets (ROA) | 1.5068% | 966 |
| Pretax return on assets | 2.1665% | 432 |
| Return on Equity (ROE) | 15.2961% | 800 |
| Retained earnings to average equity (ytd only) | -7.7147% | 6,790 |
| Net charge-offs to loans | 0.4067% | 3,360 |
| Credit loss provision to net charge-offs | 125.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | 7.6507% | 2,262 |
| Efficiency ratio | 59.0032% | 6,221 |
| Assets per employee ($millions) | 3.1392% | 5,818 |
| Cash dividends to net income (ytd only)* | 150.4355% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6986% | 3,089 |
| Loan loss allowance to noncurrent loans | 86.1503% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 2.0063% | 3,495 |
| Noncurrent loans to loans | 1.9717% | 3,763 |
| Net loans and leases to total assets | 77.0871% | 1,279 |
| Net loans and leases to deposits | 102.7222% | 549 |
| Net loans and leases to core deposits | 110.7772% | 1,116 |
| Total domestic deposits to total assets | 75.0442% | 6,850 |
| Equity capital to assets | 9.5743% | 4,590 |
| Core capital (leverage) ratio | 9.4003% | 3,964 |
| Tier 1 risk-based capital ratio | 13.4367% | 4,111 |
| Total risk-based capital ratio | 14.7697% | 4,017 |
| Memoranda: | ||
| Average total assets | $167,644,000 | 3,643 |
| Average earning assets | $152,047,670 | 3,669 |
| Average equity | $16,514,000 | 3,719 |
| Average total loans | $133,768,330 | 3,135 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6854% | 272 |
| Cost of funding earning assets | 1.5006% | 3,550 |
| Net interest margin | 5.1848% | 300 |
| Noninterest income to average assets | 1.1973% | 851 |
| Noninterest expense to average assets | 3.4072% | 2,214 |
| Loan and lease loss provision to assets | 0.3959% | 2,994 |
| Net operating income to assets | 1.4625% | 956 |
| Return on assets (ROA) | 1.5668% | 856 |
| Pretax return on assets | 2.2626% | 377 |
| Return on Equity (ROE) | 15.6820% | 767 |
| Retained earnings to average equity (ytd only) | -8.3333% | 6,855 |
| Net charge-offs to loans | 0.1252% | 4,219 |
| Credit loss provision to net charge-offs | 392.8571% | 1,042 |
| Earnings coverage of net charge-offs (x) | 24.8810% | 998 |
| Efficiency ratio | 57.6065% | 6,547 |
| Assets per employee ($millions) | 3.2537% | 5,646 |
| Cash dividends to net income (ytd only)* | 153.1394% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7186% | 2,993 |
| Loan loss allowance to noncurrent loans | 179.0248% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 1.2843% | 4,607 |
| Noncurrent loans to loans | 0.9600% | 5,418 |
| Net loans and leases to total assets | 78.1801% | 1,116 |
| Net loans and leases to deposits | 105.1303% | 470 |
| Net loans and leases to core deposits | 112.4872% | 1,130 |
| Total domestic deposits to total assets | 74.3649% | 6,996 |
| Equity capital to assets | 9.7326% | 4,186 |
| Core capital (leverage) ratio | 9.5866% | 3,660 |
| Tier 1 risk-based capital ratio | 12.7232% | 4,538 |
| Total risk-based capital ratio | 14.0351% | 4,464 |
| Memoranda: | ||
| Average total assets | $166,708,000 | 3,719 |
| Average earning assets | $151,673,000 | 3,731 |
| Average equity | $16,656,000 | 3,725 |
| Average total loans | $134,186,000 | 3,184 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7754% | 398 |
| Cost of funding earning assets | 1.9478% | 3,225 |
| Net interest margin | 4.8276% | 652 |
| Noninterest income to average assets | 1.2177% | 1,029 |
| Noninterest expense to average assets | 3.4973% | 2,379 |
| Loan and lease loss provision to assets | 0.5180% | 3,782 |
| Net operating income to assets | 1.0269% | 1,754 |
| Return on assets (ROA) | 1.0655% | 1,652 |
| Pretax return on assets | 1.6170% | 929 |
| Return on Equity (ROE) | 12.0442% | 1,152 |
| Retained earnings to average equity (ytd only) | 12.0442% | 204 |
| Net charge-offs to loans | 0.1987% | 5,405 |
| Credit loss provision to net charge-offs | 337.7358% | 959 |
| Earnings coverage of net charge-offs (x) | 13.5396% | 1,419 |
| Efficiency ratio | 62.7453% | 6,012 |
| Assets per employee ($millions) | 3.2200% | 5,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6370% | 3,139 |
| Loan loss allowance to noncurrent loans | 141.6559% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 1.0370% | 5,031 |
| Noncurrent loans to loans | 1.1556% | 5,017 |
| Net loans and leases to total assets | 80.1312% | 969 |
| Net loans and leases to deposits | 108.3900% | 441 |
| Net loans and leases to core deposits | 123.3796% | 1,684 |
| Total domestic deposits to total assets | 73.9286% | 7,024 |
| Equity capital to assets | 10.2575% | 3,448 |
| Core capital (leverage) ratio | 10.0920% | 3,004 |
| Tier 1 risk-based capital ratio | 14.0762% | 3,453 |
| Total risk-based capital ratio | 15.3949% | 3,367 |
| Memoranda: | ||
| Average total assets | $172,788,200 | 3,561 |
| Average earning assets | $155,916,200 | 3,596 |
| Average equity | $15,285,400 | 4,016 |
| Average total loans | $133,384,200 | 3,203 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7108% | 499 |
| Cost of funding earning assets | 2.0202% | 3,250 |
| Net interest margin | 4.6906% | 841 |
| Noninterest income to average assets | 1.2165% | 1,039 |
| Noninterest expense to average assets | 3.3963% | 2,588 |
| Loan and lease loss provision to assets | 0.4840% | 3,481 |
| Net operating income to assets | 0.9982% | 2,064 |
| Return on assets (ROA) | 1.0412% | 1,992 |
| Pretax return on assets | 1.6311% | 1,112 |
| Return on Equity (ROE) | 12.2271% | 1,303 |
| Retained earnings to average equity (ytd only) | 12.2271% | 324 |
| Net charge-offs to loans | 0.1451% | 5,242 |
| Credit loss provision to net charge-offs | 437.9310% | 905 |
| Earnings coverage of net charge-offs (x) | 18.5309% | 1,346 |
| Efficiency ratio | 62.3828% | 6,040 |
| Assets per employee ($millions) | 3.1033% | 5,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 3,423 |
| Loan loss allowance to noncurrent loans | 260.4828% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 6,104 |
| Noncurrent loans to loans | 0.5770% | 6,165 |
| Net loans and leases to total assets | 80.1734% | 1,136 |
| Net loans and leases to deposits | 104.1682% | 757 |
| Net loans and leases to core deposits | 124.9296% | 1,822 |
| Total domestic deposits to total assets | 76.9654% | 6,343 |
| Equity capital to assets | 9.7853% | 4,369 |
| Core capital (leverage) ratio | 9.6314% | 3,738 |
| Tier 1 risk-based capital ratio | 13.4142% | 3,914 |
| Total risk-based capital ratio | 14.7335% | 3,796 |
| Memoranda: | ||
| Average total assets | $174,929,750 | 3,533 |
| Average earning assets | $157,672,000 | 3,587 |
| Average equity | $14,895,500 | 4,115 |
| Average total loans | $133,284,500 | 3,237 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5693% | 701 |
| Cost of funding earning assets | 2.0769% | 3,383 |
| Net interest margin | 4.4923% | 1,182 |
| Noninterest income to average assets | 1.2008% | 1,082 |
| Noninterest expense to average assets | 3.3814% | 2,687 |
| Loan and lease loss provision to assets | 0.6145% | 2,596 |
| Net operating income to assets | 0.7765% | 2,950 |
| Return on assets (ROA) | 0.8400% | 2,797 |
| Pretax return on assets | 1.3598% | 1,831 |
| Return on Equity (ROE) | 10.3511% | 1,901 |
| Retained earnings to average equity (ytd only) | 10.3511% | 660 |
| Net charge-offs to loans | 0.0635% | 5,609 |
| Credit loss provision to net charge-offs | 1,297.6190% | 383 |
| Earnings coverage of net charge-offs (x) | 39.5952% | 818 |
| Efficiency ratio | 64.3286% | 5,844 |
| Assets per employee ($millions) | 3.4202% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 2,957 |
| Loan loss allowance to noncurrent loans | 332.7419% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 6,535 |
| Noncurrent loans to loans | 0.4657% | 6,364 |
| Net loans and leases to total assets | 73.7000% | 2,789 |
| Net loans and leases to deposits | 96.0130% | 1,798 |
| Net loans and leases to core deposits | 116.4518% | 2,675 |
| Total domestic deposits to total assets | 76.7605% | 6,385 |
| Equity capital to assets | 8.7595% | 5,664 |
| Core capital (leverage) ratio | 8.6754% | 5,135 |
| Tier 1 risk-based capital ratio | 12.8864% | 4,223 |
| Total risk-based capital ratio | 14.1484% | 4,129 |
| Memoranda: | ||
| Average total assets | $177,380,330 | 3,519 |
| Average earning assets | $160,139,000 | 3,561 |
| Average equity | $14,394,670 | 4,217 |
| Average total loans | $132,245,000 | 3,296 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4769% | 910 |
| Cost of funding earning assets | 2.1356% | 3,493 |
| Net interest margin | 4.3413% | 1,484 |
| Noninterest income to average assets | 1.2622% | 896 |
| Noninterest expense to average assets | 3.5045% | 2,089 |
| Loan and lease loss provision to assets | 1.0048% | 1,299 |
| Net operating income to assets | 0.3161% | 5,236 |
| Return on assets (ROA) | 0.3161% | 5,408 |
| Pretax return on assets | 0.6684% | 4,530 |
| Return on Equity (ROE) | 4.0572% | 4,903 |
| Retained earnings to average equity (ytd only) | 4.0572% | 3,640 |
| Net charge-offs to loans | 0.0182% | 5,318 |
| Credit loss provision to net charge-offs | 7,416.6667% | 101 |
| Earnings coverage of net charge-offs (x) | 123.5000% | 352 |
| Efficiency ratio | 67.6843% | 5,025 |
| Assets per employee ($millions) | 3.0839% | 5,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5193% | 2,870 |
| Loan loss allowance to noncurrent loans | 248.3230% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4501% | 6,143 |
| Noncurrent loans to loans | 0.6118% | 5,869 |
| Net loans and leases to total assets | 72.4427% | 3,141 |
| Net loans and leases to deposits | 95.4885% | 2,032 |
| Net loans and leases to core deposits | 117.0832% | 2,674 |
| Total domestic deposits to total assets | 75.8653% | 6,535 |
| Equity capital to assets | 8.3844% | 6,264 |
| Core capital (leverage) ratio | 8.2856% | 5,930 |
| Tier 1 risk-based capital ratio | 12.1247% | 4,845 |
| Total risk-based capital ratio | 13.3777% | 4,746 |
| Memoranda: | ||
| Average total assets | $177,144,500 | 3,552 |
| Average earning assets | $159,768,500 | 3,576 |
| Average equity | $13,802,500 | 4,380 |
| Average total loans | $131,797,500 | 3,327 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2705% | 633 |
| Cost of funding earning assets | 2.7468% | 2,941 |
| Net interest margin | 4.5237% | 1,363 |
| Noninterest income to average assets | 1.0879% | 1,331 |
| Noninterest expense to average assets | 3.8645% | 1,631 |
| Loan and lease loss provision to assets | 0.5710% | 2,539 |
| Net operating income to assets | 0.5248% | 4,632 |
| Return on assets (ROA) | 0.5248% | 4,488 |
| Pretax return on assets | 0.8000% | 4,072 |
| Return on Equity (ROE) | 6.9120% | 3,579 |
| Retained earnings to average equity (ytd only) | 6.9120% | 1,186 |
| Net charge-offs to loans | 0.1778% | 4,420 |
| Credit loss provision to net charge-offs | 423.4234% | 1,031 |
| Earnings coverage of net charge-offs (x) | 10.1667% | 2,565 |
| Efficiency ratio | 73.8137% | 3,617 |
| Assets per employee ($millions) | 3.1325% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 3,705 |
| Loan loss allowance to noncurrent loans | 237.6374% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.4150% | 5,975 |
| Noncurrent loans to loans | 0.5514% | 5,710 |
| Net loans and leases to total assets | 74.2723% | 3,038 |
| Net loans and leases to deposits | 96.9225% | 2,300 |
| Net loans and leases to core deposits | 112.9989% | 3,447 |
| Total domestic deposits to total assets | 76.6306% | 6,086 |
| Equity capital to assets | 7.1872% | 7,634 |
| Core capital (leverage) ratio | 7.1155% | 7,601 |
| Tier 1 risk-based capital ratio | 10.3467% | 6,369 |
| Total risk-based capital ratio | 11.5966% | 6,243 |
| Memoranda: | ||
| Average total assets | $164,627,200 | 3,635 |
| Average earning assets | $150,939,000 | 3,635 |
| Average equity | $12,500,000 | 4,697 |
| Average total loans | $124,882,200 | 3,353 |