Home > Grand Bank > Performance and Condition Ratios
Grand Bank, Performance and Condition Ratios
| 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 | 2.5237% | 6,082 |
| Cost of funding earning assets | 0.4244% | 2,968 |
| Net interest margin | 2.0993% | 6,101 |
| Noninterest income to average assets | 0.2389% | 5,221 |
| Noninterest expense to average assets | 1.6334% | 5,960 |
| Loan and lease loss provision to assets | 0.0347% | 3,530 |
| Net operating income to assets | 0.6033% | 4,370 |
| Return on assets (ROA) | 0.6033% | 4,474 |
| Pretax return on assets | 0.6033% | 4,965 |
| Return on Equity (ROE) | 8.5216% | 2,813 |
| Retained earnings to average equity (ytd only) | 8.5216% | 1,052 |
| 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 | 71.9125% | 2,898 |
| Assets per employee ($millions) | 14.1049% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 4,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 44.0748% | 5,354 |
| Net loans and leases to deposits | 49.0745% | 5,508 |
| Net loans and leases to core deposits | 49.8505% | 5,580 |
| Total domestic deposits to total assets | 89.8119% | 648 |
| Equity capital to assets | 7.1333% | 6,133 |
| Core capital (leverage) ratio | 7.3129% | 6,089 |
| Tier 1 risk-based capital ratio | 12.8989% | 4,485 |
| Total risk-based capital ratio | 13.7052% | 4,692 |
| Memoranda: | ||
| Average total assets | $577,035,250 | 1,186 |
| Average earning assets | $558,640,250 | 1,125 |
| Average equity | $40,852,000 | 1,782 |
| Average total loans | $254,767,000 | 1,705 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5439% | 6,143 |
| Cost of funding earning assets | 0.2930% | 4,468 |
| Net interest margin | 2.2508% | 6,125 |
| Noninterest income to average assets | 0.2361% | 5,268 |
| Noninterest expense to average assets | 1.6009% | 6,049 |
| Loan and lease loss provision to assets | 0.0525% | 3,071 |
| Net operating income to assets | 0.7585% | 3,602 |
| Return on assets (ROA) | 0.7585% | 3,702 |
| Pretax return on assets | 0.7585% | 4,460 |
| Return on Equity (ROE) | 10.7421% | 1,768 |
| Retained earnings to average equity (ytd only) | 10.7421% | 541 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3767% | 3,950 |
| Assets per employee ($millions) | 14.1590% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 4,749 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 40.9031% | 5,578 |
| Net loans and leases to deposits | 49.0701% | 5,551 |
| Net loans and leases to core deposits | 49.8835% | 5,619 |
| Total domestic deposits to total assets | 83.3565% | 3,812 |
| Equity capital to assets | 6.8325% | 6,217 |
| Core capital (leverage) ratio | 7.1201% | 6,168 |
| Tier 1 risk-based capital ratio | 13.8690% | 3,993 |
| Total risk-based capital ratio | 14.7464% | 4,157 |
| Memoranda: | ||
| Average total assets | $571,911,330 | 1,200 |
| Average earning assets | $552,860,330 | 1,138 |
| Average equity | $40,383,330 | 1,809 |
| Average total loans | $251,797,000 | 1,731 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5966% | 6,184 |
| Cost of funding earning assets | 0.2980% | 4,463 |
| Net interest margin | 2.2985% | 6,161 |
| Noninterest income to average assets | 0.2522% | 5,156 |
| Noninterest expense to average assets | 1.6370% | 6,075 |
| Loan and lease loss provision to assets | 0.1084% | 1,898 |
| Net operating income to assets | 0.7365% | 3,611 |
| Return on assets (ROA) | 0.7365% | 3,740 |
| Pretax return on assets | 0.7365% | 4,477 |
| Return on Equity (ROE) | 10.2475% | 1,891 |
| Retained earnings to average equity (ytd only) | 10.2475% | 864 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9581% | 4,168 |
| Assets per employee ($millions) | 13.3990% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 5,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 44.6984% | 5,290 |
| Net loans and leases to deposits | 55.3907% | 5,090 |
| Net loans and leases to core deposits | 56.3072% | 5,234 |
| Total domestic deposits to total assets | 80.6966% | 4,888 |
| Equity capital to assets | 7.0100% | 6,261 |
| Core capital (leverage) ratio | 7.4878% | 6,142 |
| Tier 1 risk-based capital ratio | 13.0251% | 4,591 |
| Total risk-based capital ratio | 13.8689% | 4,747 |
| Memoranda: | ||
| Average total assets | $553,448,500 | 1,246 |
| Average earning assets | $536,864,500 | 1,188 |
| Average equity | $39,775,500 | 1,841 |
| Average total loans | $251,891,500 | 1,728 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3615% | 6,364 |
| Cost of funding earning assets | 0.3403% | 4,364 |
| Net interest margin | 2.0212% | 6,365 |
| Noninterest income to average assets | 0.1718% | 5,828 |
| Noninterest expense to average assets | 1.6128% | 6,227 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5140% | 4,759 |
| Return on assets (ROA) | 0.5140% | 4,840 |
| Pretax return on assets | 0.5140% | 5,215 |
| Return on Equity (ROE) | 7.0975% | 3,576 |
| Retained earnings to average equity (ytd only) | 4.3988% | 3,051 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8324% | 2,538 |
| Assets per employee ($millions) | 12.0622% | 141 |
| Cash dividends to net income (ytd only)* | 38.0235% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 5,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 45.4554% | 5,370 |
| Net loans and leases to deposits | 56.3082% | 5,163 |
| Net loans and leases to core deposits | 57.7054% | 5,277 |
| Total domestic deposits to total assets | 80.7261% | 4,811 |
| Equity capital to assets | 7.3788% | 6,261 |
| Core capital (leverage) ratio | 7.3250% | 6,253 |
| Tier 1 risk-based capital ratio | 14.1430% | 4,002 |
| Total risk-based capital ratio | 15.0299% | 4,184 |
| Memoranda: | ||
| Average total assets | $529,589,400 | 1,268 |
| Average earning assets | $512,217,600 | 1,195 |
| Average equity | $38,351,400 | 1,841 |
| Average total loans | $220,900,000 | 1,897 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3004% | 6,458 |
| Cost of funding earning assets | 0.3458% | 4,386 |
| Net interest margin | 1.9547% | 6,460 |
| Noninterest income to average assets | 0.1829% | 5,826 |
| Noninterest expense to average assets | 1.5882% | 6,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4857% | 4,921 |
| Return on assets (ROA) | 0.4857% | 4,991 |
| Pretax return on assets | 0.4857% | 5,363 |
| Return on Equity (ROE) | 6.7384% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.7384% | 1,961 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5820% | 2,402 |
| Assets per employee ($millions) | 11.9749% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 4,798 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 40.8593% | 5,761 |
| Net loans and leases to deposits | 50.3449% | 5,631 |
| Net loans and leases to core deposits | 51.2644% | 5,727 |
| Total domestic deposits to total assets | 81.1587% | 4,781 |
| Equity capital to assets | 7.2955% | 6,340 |
| Core capital (leverage) ratio | 7.7056% | 6,215 |
| Tier 1 risk-based capital ratio | 15.5333% | 3,298 |
| Total risk-based capital ratio | 16.5022% | 3,388 |
| Memoranda: | ||
| Average total assets | $529,302,250 | 1,273 |
| Average earning assets | $512,065,000 | 1,202 |
| Average equity | $38,148,750 | 1,857 |
| Average total loans | $215,206,500 | 1,947 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2987% | 6,530 |
| Cost of funding earning assets | 0.3573% | 4,344 |
| Net interest margin | 1.9414% | 6,535 |
| Noninterest income to average assets | 0.1593% | 5,999 |
| Noninterest expense to average assets | 1.6046% | 6,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4303% | 5,095 |
| Return on assets (ROA) | 0.4303% | 5,182 |
| Pretax return on assets | 0.4303% | 5,479 |
| Return on Equity (ROE) | 5.9957% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.9957% | 2,327 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8530% | 2,186 |
| Assets per employee ($millions) | 11.8373% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 4,719 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 39.5326% | 5,856 |
| Net loans and leases to deposits | 48.8967% | 5,715 |
| Net loans and leases to core deposits | 49.8720% | 5,801 |
| Total domestic deposits to total assets | 80.8491% | 5,028 |
| Equity capital to assets | 7.2344% | 6,407 |
| Core capital (leverage) ratio | 7.4646% | 6,324 |
| Tier 1 risk-based capital ratio | 16.7044% | 2,741 |
| Total risk-based capital ratio | 17.7688% | 2,787 |
| Memoranda: | ||
| Average total assets | $526,113,330 | 1,276 |
| Average earning assets | $508,292,000 | 1,205 |
| Average equity | $37,760,670 | 1,863 |
| Average total loans | $212,741,000 | 1,962 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2882% | 6,604 |
| Cost of funding earning assets | 0.3674% | 4,350 |
| Net interest margin | 1.9208% | 6,611 |
| Noninterest income to average assets | 0.1354% | 6,168 |
| Noninterest expense to average assets | 1.6082% | 6,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3871% | 5,160 |
| Return on assets (ROA) | 0.3871% | 5,229 |
| Pretax return on assets | 0.3871% | 5,495 |
| Return on Equity (ROE) | 5.4157% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.4157% | 2,846 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5982% | 2,112 |
| Assets per employee ($millions) | 11.8135% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 5,003 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 40.0213% | 5,808 |
| Net loans and leases to deposits | 51.7692% | 5,468 |
| Net loans and leases to core deposits | 52.7287% | 5,577 |
| Total domestic deposits to total assets | 77.3071% | 5,930 |
| Equity capital to assets | 7.1105% | 6,420 |
| Core capital (leverage) ratio | 7.4006% | 6,370 |
| Tier 1 risk-based capital ratio | 16.3318% | 2,988 |
| Total risk-based capital ratio | 17.3904% | 3,057 |
| Memoranda: | ||
| Average total assets | $522,830,000 | 1,288 |
| Average earning assets | $506,255,500 | 1,219 |
| Average equity | $37,373,000 | 1,876 |
| Average total loans | $212,608,000 | 1,958 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1614% | 6,695 |
| Cost of funding earning assets | 0.3637% | 5,014 |
| Net interest margin | 1.7976% | 6,687 |
| Noninterest income to average assets | 0.1760% | 6,031 |
| Noninterest expense to average assets | 1.4491% | 6,602 |
| Loan and lease loss provision to assets | -0.0555% | 6,399 |
| Net operating income to assets | 0.5272% | 4,610 |
| Return on assets (ROA) | 0.5272% | 4,733 |
| Pretax return on assets | 0.5272% | 5,114 |
| Return on Equity (ROE) | 7.7399% | 3,173 |
| Retained earnings to average equity (ytd only) | 5.1147% | 2,516 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4433% | 2,868 |
| Assets per employee ($millions) | 11.1751% | 166 |
| Cash dividends to net income (ytd only)* | 33.9185% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 4,887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 40.3869% | 5,934 |
| Net loans and leases to deposits | 52.5511% | 5,585 |
| Net loans and leases to core deposits | 53.4876% | 5,708 |
| Total domestic deposits to total assets | 76.8526% | 5,995 |
| Equity capital to assets | 7.1872% | 6,405 |
| Core capital (leverage) ratio | 7.0508% | 6,517 |
| Tier 1 risk-based capital ratio | 16.4914% | 2,860 |
| Total risk-based capital ratio | 17.5758% | 2,907 |
| Memoranda: | ||
| Average total assets | $540,189,800 | 1,230 |
| Average earning assets | $524,300,600 | 1,154 |
| Average equity | $36,796,200 | 1,878 |
| Average total loans | $196,396,200 | 2,031 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1118% | 6,785 |
| Cost of funding earning assets | 0.3600% | 5,195 |
| Net interest margin | 1.7517% | 6,778 |
| Noninterest income to average assets | 0.1892% | 6,057 |
| Noninterest expense to average assets | 1.4023% | 6,691 |
| Loan and lease loss provision to assets | -0.0732% | 6,584 |
| Net operating income to assets | 0.5604% | 4,526 |
| Return on assets (ROA) | 0.5604% | 4,679 |
| Pretax return on assets | 0.5604% | 5,169 |
| Return on Equity (ROE) | 8.3352% | 2,956 |
| Retained earnings to average equity (ytd only) | 8.3352% | 1,276 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2127% | 3,029 |
| Assets per employee ($millions) | 11.7078% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 5,055 |
| Loan loss allowance to noncurrent loans | 769.8413% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 6,274 |
| Noncurrent loans to loans | 0.1511% | 5,866 |
| Net loans and leases to total assets | 38.2527% | 6,160 |
| Net loans and leases to deposits | 49.5645% | 5,867 |
| Net loans and leases to core deposits | 50.4788% | 5,989 |
| Total domestic deposits to total assets | 77.1777% | 6,026 |
| Equity capital to assets | 6.9495% | 6,565 |
| Core capital (leverage) ratio | 7.0829% | 6,571 |
| Tier 1 risk-based capital ratio | 16.2983% | 3,038 |
| Total risk-based capital ratio | 17.3593% | 3,093 |
| Memoranda: | ||
| Average total assets | $546,724,000 | 1,227 |
| Average earning assets | $530,663,250 | 1,154 |
| Average equity | $36,758,750 | 1,895 |
| Average total loans | $192,986,500 | 2,068 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0727% | 6,837 |
| Cost of funding earning assets | 0.3537% | 5,369 |
| Net interest margin | 1.7190% | 6,828 |
| Noninterest income to average assets | 0.1889% | 6,081 |
| Noninterest expense to average assets | 1.3457% | 6,761 |
| Loan and lease loss provision to assets | -0.1092% | 6,722 |
| Net operating income to assets | 0.6206% | 4,194 |
| Return on assets (ROA) | 0.6206% | 4,354 |
| Pretax return on assets | 0.6206% | 4,945 |
| Return on Equity (ROE) | 9.3333% | 2,479 |
| Retained earnings to average equity (ytd only) | 9.3333% | 1,015 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4618% | 3,391 |
| Assets per employee ($millions) | 13.6192% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 4,600 |
| Loan loss allowance to noncurrent loans | 750.7740% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 6,334 |
| Noncurrent loans to loans | 0.1706% | 5,894 |
| Net loans and leases to total assets | 32.6798% | 6,478 |
| Net loans and leases to deposits | 42.2913% | 6,311 |
| Net loans and leases to core deposits | 43.0780% | 6,365 |
| Total domestic deposits to total assets | 77.2732% | 6,088 |
| Equity capital to assets | 6.4452% | 6,697 |
| Core capital (leverage) ratio | 6.8769% | 6,641 |
| Tier 1 risk-based capital ratio | 17.6199% | 2,469 |
| Total risk-based capital ratio | 18.7840% | 2,466 |
| Memoranda: | ||
| Average total assets | $549,445,330 | 1,220 |
| Average earning assets | $533,215,670 | 1,149 |
| Average equity | $36,536,000 | 1,912 |
| Average total loans | $187,835,670 | 2,126 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1143% | 6,914 |
| Cost of funding earning assets | 0.3665% | 5,399 |
| Net interest margin | 1.7478% | 6,899 |
| Noninterest income to average assets | 0.1256% | 6,473 |
| Noninterest expense to average assets | 1.3327% | 6,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4906% | 4,718 |
| Return on assets (ROA) | 0.4906% | 4,873 |
| Pretax return on assets | 0.4906% | 5,292 |
| Return on Equity (ROE) | 7.2586% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.2586% | 2,043 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0942% | 3,432 |
| Assets per employee ($millions) | 14.1614% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 4,033 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 34.5397% | 6,392 |
| Net loans and leases to deposits | 44.7315% | 6,141 |
| Net loans and leases to core deposits | 45.5065% | 6,240 |
| Total domestic deposits to total assets | 77.2156% | 6,223 |
| Equity capital to assets | 6.7987% | 6,752 |
| Core capital (leverage) ratio | 7.0266% | 6,635 |
| Tier 1 risk-based capital ratio | 17.3189% | 2,640 |
| Total risk-based capital ratio | 18.5699% | 2,602 |
| Memoranda: | ||
| Average total assets | $538,164,500 | 1,255 |
| Average earning assets | $522,728,000 | 1,185 |
| Average equity | $36,370,500 | 1,943 |
| Average total loans | $187,075,500 | 2,151 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1805% | 6,979 |
| Cost of funding earning assets | 0.4041% | 5,891 |
| Net interest margin | 1.7764% | 6,968 |
| Noninterest income to average assets | 0.0972% | 6,522 |
| Noninterest expense to average assets | 1.3596% | 6,929 |
| Loan and lease loss provision to assets | 0.0029% | 5,885 |
| Net operating income to assets | 0.4532% | 4,877 |
| Return on assets (ROA) | 0.4532% | 5,116 |
| Pretax return on assets | 0.4532% | 5,416 |
| Return on Equity (ROE) | 6.5347% | 3,893 |
| Retained earnings to average equity (ytd only) | 3.9939% | 3,393 |
| Net charge-offs to loans | -0.0060% | 6,400 |
| Credit loss provision to net charge-offs | -150.0000% | 6,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8783% | 2,920 |
| Assets per employee ($millions) | 14.1630% | 106 |
| Cash dividends to net income (ytd only)* | 38.8817% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 3,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 33.9712% | 6,547 |
| Net loans and leases to deposits | 43.5852% | 6,392 |
| Net loans and leases to core deposits | 44.1484% | 6,460 |
| Total domestic deposits to total assets | 77.9422% | 6,090 |
| Equity capital to assets | 6.7178% | 6,814 |
| Core capital (leverage) ratio | 6.5782% | 6,781 |
| Tier 1 risk-based capital ratio | 17.2414% | 2,543 |
| Total risk-based capital ratio | 18.4924% | 2,520 |
| Memoranda: | ||
| Average total assets | $509,042,400 | 1,312 |
| Average earning assets | $492,461,200 | 1,235 |
| Average equity | $35,303,800 | 1,955 |
| Average total loans | $167,614,200 | 2,332 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2041% | 7,091 |
| Cost of funding earning assets | 0.4150% | 6,029 |
| Net interest margin | 1.7890% | 7,077 |
| Noninterest income to average assets | 0.0803% | 6,690 |
| Noninterest expense to average assets | 1.3023% | 7,045 |
| Loan and lease loss provision to assets | 0.0037% | 5,756 |
| Net operating income to assets | 0.5038% | 4,830 |
| Return on assets (ROA) | 0.5038% | 5,093 |
| Pretax return on assets | 0.5038% | 5,458 |
| Return on Equity (ROE) | 7.2040% | 3,693 |
| Retained earnings to average equity (ytd only) | 7.2040% | 2,007 |
| Net charge-offs to loans | -0.0082% | 6,332 |
| Credit loss provision to net charge-offs | -140.0000% | 6,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9571% | 3,339 |
| Assets per employee ($millions) | 14.6225% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 3,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 30.7001% | 6,787 |
| Net loans and leases to deposits | 38.7826% | 6,724 |
| Net loans and leases to core deposits | 39.3395% | 6,770 |
| Total domestic deposits to total assets | 79.1594% | 5,831 |
| Equity capital to assets | 6.9957% | 6,882 |
| Core capital (leverage) ratio | 6.9619% | 6,801 |
| Tier 1 risk-based capital ratio | 18.5009% | 2,166 |
| Total risk-based capital ratio | 19.7530% | 2,131 |
| Memoranda: | ||
| Average total assets | $501,754,500 | 1,345 |
| Average earning assets | $485,091,750 | 1,272 |
| Average equity | $35,091,000 | 1,988 |
| Average total loans | $163,128,750 | 2,413 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2690% | 7,151 |
| Cost of funding earning assets | 0.4330% | 6,080 |
| Net interest margin | 1.8360% | 7,144 |
| Noninterest income to average assets | 0.0369% | 6,900 |
| Noninterest expense to average assets | 1.3284% | 7,092 |
| Loan and lease loss provision to assets | 0.0057% | 5,583 |
| Net operating income to assets | 0.4762% | 4,931 |
| Return on assets (ROA) | 0.4762% | 5,177 |
| Pretax return on assets | 0.4762% | 5,503 |
| Return on Equity (ROE) | 6.8091% | 3,877 |
| Retained earnings to average equity (ytd only) | 6.8091% | 2,209 |
| Net charge-offs to loans | -0.0123% | 6,323 |
| Credit loss provision to net charge-offs | -140.0000% | 6,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3826% | 3,176 |
| Assets per employee ($millions) | 14.1638% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6830% | 3,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 29.5655% | 6,882 |
| Net loans and leases to deposits | 37.6450% | 6,816 |
| Net loans and leases to core deposits | 38.1865% | 6,866 |
| Total domestic deposits to total assets | 78.5376% | 6,047 |
| Equity capital to assets | 6.5675% | 6,970 |
| Core capital (leverage) ratio | 6.7527% | 6,874 |
| Tier 1 risk-based capital ratio | 18.6211% | 2,097 |
| Total risk-based capital ratio | 19.7618% | 2,083 |
| Memoranda: | ||
| Average total assets | $493,536,330 | 1,367 |
| Average earning assets | $476,692,330 | 1,299 |
| Average equity | $34,512,670 | 2,005 |
| Average total loans | $162,727,670 | 2,431 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3345% | 7,205 |
| Cost of funding earning assets | 0.4536% | 6,123 |
| Net interest margin | 1.8809% | 7,188 |
| Noninterest income to average assets | 0.0399% | 6,973 |
| Noninterest expense to average assets | 1.3684% | 7,137 |
| Loan and lease loss provision to assets | 0.0119% | 5,155 |
| Net operating income to assets | 0.4796% | 4,911 |
| Return on assets (ROA) | 0.4796% | 5,108 |
| Pretax return on assets | 0.4796% | 5,491 |
| Return on Equity (ROE) | 6.6285% | 3,972 |
| Retained earnings to average equity (ytd only) | 6.6285% | 2,616 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5737% | 3,163 |
| Assets per employee ($millions) | 13.9069% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6422% | 3,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 31.5911% | 6,851 |
| Net loans and leases to deposits | 40.3356% | 6,721 |
| Net loans and leases to core deposits | 40.9483% | 6,786 |
| Total domestic deposits to total assets | 78.3206% | 6,219 |
| Equity capital to assets | 6.6836% | 6,981 |
| Core capital (leverage) ratio | 7.6071% | 6,566 |
| Tier 1 risk-based capital ratio | 19.2493% | 1,922 |
| Total risk-based capital ratio | 20.5082% | 1,884 |
| Memoranda: | ||
| Average total assets | $471,192,000 | 1,420 |
| Average earning assets | $455,953,000 | 1,357 |
| Average equity | $34,095,000 | 2,028 |
| Average total loans | $163,165,000 | 2,433 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4187% | 7,266 |
| Cost of funding earning assets | 0.5906% | 6,129 |
| Net interest margin | 1.8282% | 7,253 |
| Noninterest income to average assets | 0.0360% | 6,886 |
| Noninterest expense to average assets | 1.4852% | 7,178 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3249% | 5,168 |
| Return on assets (ROA) | 0.3249% | 5,322 |
| Pretax return on assets | 0.3249% | 5,495 |
| Return on Equity (ROE) | 4.1478% | 4,780 |
| Retained earnings to average equity (ytd only) | 2.5079% | 4,444 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0509% | 2,012 |
| Assets per employee ($millions) | 12.5831% | 133 |
| Cash dividends to net income (ytd only)* | 39.5366% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6764% | 3,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 37.0154% | 6,703 |
| Net loans and leases to deposits | 48.8187% | 6,441 |
| Net loans and leases to core deposits | 49.8395% | 6,540 |
| Total domestic deposits to total assets | 75.8222% | 6,507 |
| Equity capital to assets | 7.9002% | 6,634 |
| Core capital (leverage) ratio | 7.5910% | 6,607 |
| Tier 1 risk-based capital ratio | 19.4706% | 1,774 |
| Total risk-based capital ratio | 20.7293% | 1,735 |
| Memoranda: | ||
| Average total assets | $425,064,600 | 1,533 |
| Average earning assets | $412,492,000 | 1,448 |
| Average equity | $33,295,000 | 1,997 |
| Average total loans | $144,725,600 | 2,717 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3802% | 7,350 |
| Cost of funding earning assets | 0.6122% | 6,234 |
| Net interest margin | 1.7680% | 7,338 |
| Noninterest income to average assets | 0.0339% | 7,004 |
| Noninterest expense to average assets | 1.4012% | 7,273 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3484% | 5,209 |
| Return on assets (ROA) | 0.3484% | 5,390 |
| Pretax return on assets | 0.3484% | 5,602 |
| Return on Equity (ROE) | 4.4579% | 4,791 |
| Retained earnings to average equity (ytd only) | 4.4579% | 3,549 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0862% | 2,244 |
| Assets per employee ($millions) | 12.7900% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7830% | 3,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 34.2011% | 6,943 |
| Net loans and leases to deposits | 44.9296% | 6,796 |
| Net loans and leases to core deposits | 45.4753% | 6,866 |
| Total domestic deposits to total assets | 76.1215% | 6,522 |
| Equity capital to assets | 7.8690% | 6,771 |
| Core capital (leverage) ratio | 7.9044% | 6,479 |
| Tier 1 risk-based capital ratio | 20.5874% | 1,537 |
| Total risk-based capital ratio | 21.8422% | 1,511 |
| Memoranda: | ||
| Average total assets | $424,374,000 | 1,548 |
| Average earning assets | $411,830,500 | 1,461 |
| Average equity | $33,169,000 | 2,006 |
| Average total loans | $140,641,500 | 2,799 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3438% | 7,430 |
| Cost of funding earning assets | 0.6514% | 6,225 |
| Net interest margin | 1.6924% | 7,427 |
| Noninterest income to average assets | 0.0318% | 7,114 |
| Noninterest expense to average assets | 1.4128% | 7,348 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2661% | 5,494 |
| Return on assets (ROA) | 0.2661% | 5,622 |
| Pretax return on assets | 0.2661% | 5,759 |
| Return on Equity (ROE) | 3.4127% | 5,204 |
| Retained earnings to average equity (ytd only) | 3.4127% | 4,084 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1494% | 1,798 |
| Assets per employee ($millions) | 12.9950% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8407% | 2,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 32.5876% | 7,093 |
| Net loans and leases to deposits | 42.1172% | 6,987 |
| Net loans and leases to core deposits | 42.4845% | 7,057 |
| Total domestic deposits to total assets | 77.3735% | 6,402 |
| Equity capital to assets | 7.5905% | 6,905 |
| Core capital (leverage) ratio | 7.9775% | 6,326 |
| Tier 1 risk-based capital ratio | 20.9365% | 1,432 |
| Total risk-based capital ratio | 22.1921% | 1,410 |
| Memoranda: | ||
| Average total assets | $420,878,670 | 1,572 |
| Average earning assets | $409,595,000 | 1,481 |
| Average equity | $32,819,000 | 2,012 |
| Average total loans | $137,046,330 | 2,915 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3269% | 7,494 |
| Cost of funding earning assets | 0.6763% | 6,265 |
| Net interest margin | 1.6506% | 7,483 |
| Noninterest income to average assets | 0.0302% | 7,218 |
| Noninterest expense to average assets | 1.4746% | 7,379 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1637% | 5,906 |
| Return on assets (ROA) | 0.1637% | 5,955 |
| Pretax return on assets | 0.1637% | 6,022 |
| Return on Equity (ROE) | 2.0702% | 5,763 |
| Retained earnings to average equity (ytd only) | 2.0702% | 4,900 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0059% | 1,330 |
| Assets per employee ($millions) | 11.7030% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8943% | 2,710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 34.1379% | 7,089 |
| Net loans and leases to deposits | 46.1955% | 6,832 |
| Net loans and leases to core deposits | 46.7686% | 6,938 |
| Total domestic deposits to total assets | 73.8988% | 6,915 |
| Equity capital to assets | 7.9745% | 6,523 |
| Core capital (leverage) ratio | 8.1481% | 6,057 |
| Tier 1 risk-based capital ratio | 21.9636% | 1,234 |
| Total risk-based capital ratio | 22.5333% | 1,321 |
| Memoranda: | ||
| Average total assets | $410,402,500 | 1,611 |
| Average earning assets | $399,845,500 | 1,517 |
| Average equity | $32,460,000 | 2,014 |
| Average total loans | $132,228,500 | 3,030 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5895% | 7,540 |
| Cost of funding earning assets | 0.7722% | 6,676 |
| Net interest margin | 1.8173% | 7,500 |
| Noninterest income to average assets | 0.0316% | 7,191 |
| Noninterest expense to average assets | 1.4035% | 7,481 |
| Loan and lease loss provision to assets | 0.0042% | 7,025 |
| Net operating income to assets | 0.3866% | 4,606 |
| Return on assets (ROA) | 0.5208% | 4,157 |
| Pretax return on assets | 0.5208% | 4,547 |
| Return on Equity (ROE) | 6.7692% | 3,228 |
| Retained earnings to average equity (ytd only) | 3.7590% | 3,233 |
| Net charge-offs to loans | 0.1611% | 5,374 |
| Credit loss provision to net charge-offs | 9.0909% | 6,613 |
| Earnings coverage of net charge-offs (x) | 8.4293% | 1,972 |
| Efficiency ratio | 78.2200% | 2,669 |
| Assets per employee ($millions) | 11.7485% | 167 |
| Cash dividends to net income (ytd only)* | 44.4694% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2145% | 1,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 28.9947% | 7,379 |
| Net loans and leases to deposits | 39.0162% | 7,285 |
| Net loans and leases to core deposits | 39.6180% | 7,314 |
| Total domestic deposits to total assets | 74.3146% | 6,850 |
| Equity capital to assets | 7.8444% | 6,645 |
| Core capital (leverage) ratio | 7.8910% | 6,330 |
| Tier 1 risk-based capital ratio | 24.7117% | 870 |
| Total risk-based capital ratio | 25.9713% | 854 |
| Memoranda: | ||
| Average total assets | $427,063,800 | 1,563 |
| Average earning assets | $414,244,800 | 1,467 |
| Average equity | $32,854,600 | 2,003 |
| Average total loans | $122,912,600 | 3,260 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6852% | 7,662 |
| Cost of funding earning assets | 0.8137% | 6,716 |
| Net interest margin | 1.8715% | 7,608 |
| Noninterest income to average assets | 0.0316% | 7,362 |
| Noninterest expense to average assets | 1.3725% | 7,604 |
| Loan and lease loss provision to assets | 0.0031% | 6,966 |
| Net operating income to assets | 0.4696% | 4,442 |
| Return on assets (ROA) | 0.6471% | 3,825 |
| Pretax return on assets | 0.6471% | 4,435 |
| Return on Equity (ROE) | 8.4512% | 2,713 |
| Retained earnings to average equity (ytd only) | 8.4512% | 1,255 |
| Net charge-offs to loans | 0.2143% | 4,655 |
| Credit loss provision to net charge-offs | 5.0505% | 6,354 |
| Earnings coverage of net charge-offs (x) | 7.7173% | 2,279 |
| Efficiency ratio | 74.3839% | 3,245 |
| Assets per employee ($millions) | 14.2682% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3433% | 1,561 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 23.8273% | 7,569 |
| Net loans and leases to deposits | 30.0625% | 7,559 |
| Net loans and leases to core deposits | 30.4287% | 7,572 |
| Total domestic deposits to total assets | 79.2594% | 5,948 |
| Equity capital to assets | 7.1405% | 7,294 |
| Core capital (leverage) ratio | 8.5334% | 5,445 |
| Tier 1 risk-based capital ratio | 27.2314% | 679 |
| Total risk-based capital ratio | 28.4930% | 669 |
| Memoranda: | ||
| Average total assets | $431,030,000 | 1,569 |
| Average earning assets | $417,689,750 | 1,475 |
| Average equity | $33,004,250 | 2,016 |
| Average total loans | $123,159,250 | 3,304 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9191% | 7,716 |
| Cost of funding earning assets | 0.8945% | 6,603 |
| Net interest margin | 2.0246% | 7,640 |
| Noninterest income to average assets | 0.0287% | 7,435 |
| Noninterest expense to average assets | 1.4046% | 7,663 |
| Loan and lease loss provision to assets | 0.0048% | 6,832 |
| Net operating income to assets | 0.5783% | 3,962 |
| Return on assets (ROA) | 0.8531% | 2,869 |
| Pretax return on assets | 0.8531% | 3,690 |
| Return on Equity (ROE) | 10.8663% | 1,789 |
| Retained earnings to average equity (ytd only) | 10.8663% | 680 |
| Net charge-offs to loans | 0.3145% | 3,750 |
| Credit loss provision to net charge-offs | 5.0505% | 5,986 |
| Earnings coverage of net charge-offs (x) | 6.1515% | 2,518 |
| Efficiency ratio | 70.6647% | 4,044 |
| Assets per employee ($millions) | 11.6541% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2461% | 1,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 30.4639% | 7,523 |
| Net loans and leases to deposits | 40.8205% | 7,423 |
| Net loans and leases to core deposits | 42.6222% | 7,439 |
| Total domestic deposits to total assets | 74.6291% | 6,895 |
| Equity capital to assets | 8.6558% | 5,935 |
| Core capital (leverage) ratio | 8.4038% | 5,577 |
| Tier 1 risk-based capital ratio | 26.8307% | 711 |
| Total risk-based capital ratio | 28.1000% | 697 |
| Memoranda: | ||
| Average total assets | $417,756,670 | 1,630 |
| Average earning assets | $404,234,330 | 1,532 |
| Average equity | $32,798,670 | 2,025 |
| Average total loans | $125,918,000 | 3,280 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9166% | 7,823 |
| Cost of funding earning assets | 0.8919% | 6,803 |
| Net interest margin | 2.0248% | 7,713 |
| Noninterest income to average assets | 0.0285% | 7,566 |
| Noninterest expense to average assets | 1.3289% | 7,794 |
| Loan and lease loss provision to assets | 0.0092% | 6,508 |
| Net operating income to assets | 0.6474% | 3,675 |
| Return on assets (ROA) | 1.1760% | 1,682 |
| Pretax return on assets | 1.1760% | 2,448 |
| Return on Equity (ROE) | 15.6911% | 763 |
| Retained earnings to average equity (ytd only) | 15.6911% | 359 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9295% | 4,932 |
| Assets per employee ($millions) | 14.1860% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2933% | 1,587 |
| Loan loss allowance to noncurrent loans | 191.7717% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 6,651 |
| Noncurrent loans to loans | 1.1958% | 4,971 |
| Net loans and leases to total assets | 27.1245% | 7,689 |
| Net loans and leases to deposits | 35.1371% | 7,641 |
| Net loans and leases to core deposits | 36.6046% | 7,644 |
| Total domestic deposits to total assets | 77.1960% | 6,518 |
| Equity capital to assets | 7.2435% | 7,257 |
| Core capital (leverage) ratio | 8.1623% | 5,975 |
| Tier 1 risk-based capital ratio | 25.2686% | 837 |
| Total risk-based capital ratio | 26.5384% | 813 |
| Memoranda: | ||
| Average total assets | $434,342,000 | 1,610 |
| Average earning assets | $419,798,500 | 1,519 |
| Average equity | $32,553,500 | 2,061 |
| Average total loans | $128,951,000 | 3,275 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7028% | 7,781 |
| Cost of funding earning assets | 1.1764% | 6,746 |
| Net interest margin | 2.5263% | 7,400 |
| Noninterest income to average assets | 0.0361% | 7,566 |
| Noninterest expense to average assets | 1.5633% | 7,788 |
| Loan and lease loss provision to assets | 0.1639% | 6,051 |
| Net operating income to assets | 0.7627% | 2,664 |
| Return on assets (ROA) | 0.7778% | 2,706 |
| Pretax return on assets | 0.7778% | 3,312 |
| Return on Equity (ROE) | 9.3130% | 1,917 |
| Retained earnings to average equity (ytd only) | 3.8901% | 2,490 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7866% | 6,002 |
| Assets per employee ($millions) | 12.5676% | 155 |
| Cash dividends to net income (ytd only)* | 58.2291% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1838% | 1,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 31.1044% | 7,687 |
| Net loans and leases to deposits | 42.2508% | 7,565 |
| Net loans and leases to core deposits | 46.2381% | 7,661 |
| Total domestic deposits to total assets | 73.6186% | 7,066 |
| Equity capital to assets | 7.7701% | 6,798 |
| Core capital (leverage) ratio | 7.3021% | 6,981 |
| Tier 1 risk-based capital ratio | 18.3152% | 1,807 |
| Total risk-based capital ratio | 19.5763% | 1,757 |
| Memoranda: | ||
| Average total assets | $390,583,600 | 1,760 |
| Average earning assets | $379,366,400 | 1,659 |
| Average equity | $32,621,200 | 2,047 |
| Average total loans | $133,181,400 | 3,206 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7966% | 7,869 |
| Cost of funding earning assets | 1.2251% | 6,822 |
| Net interest margin | 2.5715% | 7,381 |
| Noninterest income to average assets | 0.0385% | 7,696 |
| Noninterest expense to average assets | 1.5055% | 7,885 |
| Loan and lease loss provision to assets | 0.1009% | 6,358 |
| Net operating income to assets | 0.9372% | 2,277 |
| Return on assets (ROA) | 0.9580% | 2,265 |
| Pretax return on assets | 0.9580% | 3,034 |
| Return on Equity (ROE) | 11.2588% | 1,555 |
| Retained earnings to average equity (ytd only) | 11.2588% | 443 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1876% | 6,533 |
| Assets per employee ($millions) | 12.1761% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9394% | 1,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 31.8358% | 7,758 |
| Net loans and leases to deposits | 44.0279% | 7,618 |
| Net loans and leases to core deposits | 48.4096% | 7,717 |
| Total domestic deposits to total assets | 72.3082% | 7,171 |
| Equity capital to assets | 8.4589% | 6,301 |
| Core capital (leverage) ratio | 8.4847% | 5,526 |
| Tier 1 risk-based capital ratio | 19.8030% | 1,595 |
| Total risk-based capital ratio | 21.0624% | 1,556 |
| Memoranda: | ||
| Average total assets | $384,546,500 | 1,789 |
| Average earning assets | $374,603,750 | 1,695 |
| Average equity | $32,720,250 | 2,065 |
| Average total loans | $133,506,750 | 3,234 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9282% | 7,928 |
| Cost of funding earning assets | 1.2525% | 6,951 |
| Net interest margin | 2.6757% | 7,254 |
| Noninterest income to average assets | 0.0396% | 7,789 |
| Noninterest expense to average assets | 1.5254% | 7,960 |
| Loan and lease loss provision to assets | 0.1315% | 5,776 |
| Net operating income to assets | 0.9884% | 2,147 |
| Return on assets (ROA) | 1.0196% | 2,126 |
| Pretax return on assets | 1.0196% | 2,931 |
| Return on Equity (ROE) | 11.9576% | 1,420 |
| Retained earnings to average equity (ytd only) | 11.9576% | 450 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6647% | 6,915 |
| Assets per employee ($millions) | 12.4871% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 1,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 33.9406% | 7,774 |
| Net loans and leases to deposits | 51.0025% | 7,435 |
| Net loans and leases to core deposits | 57.0473% | 7,557 |
| Total domestic deposits to total assets | 66.5469% | 7,708 |
| Equity capital to assets | 8.4350% | 6,150 |
| Core capital (leverage) ratio | 8.4553% | 5,516 |
| Tier 1 risk-based capital ratio | 19.9010% | 1,603 |
| Total risk-based capital ratio | 21.1613% | 1,557 |
| Memoranda: | ||
| Average total assets | $378,791,330 | 1,834 |
| Average earning assets | $368,875,000 | 1,742 |
| Average equity | $32,297,330 | 2,101 |
| Average total loans | $134,525,670 | 3,256 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0562% | 7,967 |
| Cost of funding earning assets | 1.3111% | 6,989 |
| Net interest margin | 2.7451% | 7,104 |
| Noninterest income to average assets | 0.0406% | 7,882 |
| Noninterest expense to average assets | 1.5877% | 7,919 |
| Loan and lease loss provision to assets | 0.2231% | 4,220 |
| Net operating income to assets | 0.9011% | 2,702 |
| Return on assets (ROA) | 0.9652% | 2,586 |
| Pretax return on assets | 0.9652% | 3,483 |
| Return on Equity (ROE) | 11.2578% | 1,895 |
| Retained earnings to average equity (ytd only) | 11.2578% | 929 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5433% | 6,619 |
| Assets per employee ($millions) | 12.6512% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8113% | 1,824 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 34.9638% | 7,767 |
| Net loans and leases to deposits | 52.3354% | 7,379 |
| Net loans and leases to core deposits | 58.0988% | 7,523 |
| Total domestic deposits to total assets | 66.8073% | 7,680 |
| Equity capital to assets | 8.6090% | 5,903 |
| Core capital (leverage) ratio | 8.4424% | 5,638 |
| Tier 1 risk-based capital ratio | 18.9122% | 1,832 |
| Total risk-based capital ratio | 20.1714% | 1,787 |
| Memoranda: | ||
| Average total assets | $374,637,000 | 1,864 |
| Average earning assets | $364,574,000 | 1,769 |
| Average equity | $32,120,000 | 2,107 |
| Average total loans | $134,852,000 | 3,274 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4681% | 8,040 |
| Cost of funding earning assets | 1.8501% | 6,870 |
| Net interest margin | 2.6181% | 7,623 |
| Noninterest income to average assets | 0.0851% | 7,711 |
| Noninterest expense to average assets | 1.3968% | 8,076 |
| Loan and lease loss provision to assets | 0.2208% | 4,675 |
| Net operating income to assets | 0.9925% | 2,590 |
| Return on assets (ROA) | 0.9925% | 2,469 |
| Pretax return on assets | 0.9925% | 3,406 |
| Return on Equity (ROE) | 13.3936% | 1,244 |
| Retained earnings to average equity (ytd only) | 8.5840% | 682 |
| Net charge-offs to loans | 0.4571% | 2,542 |
| Credit loss provision to net charge-offs | 145.2922% | 3,633 |
| Earnings coverage of net charge-offs (x) | 7.9854% | 2,970 |
| Efficiency ratio | 53.5154% | 7,328 |
| Assets per employee ($millions) | 12.3246% | 155 |
| Cash dividends to net income (ytd only)* | 35.9095% | 3,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 2,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 35.7863% | 7,841 |
| Net loans and leases to deposits | 51.2430% | 7,571 |
| Net loans and leases to core deposits | 56.7877% | 7,716 |
| Total domestic deposits to total assets | 69.8366% | 7,295 |
| Equity capital to assets | 8.5374% | 6,026 |
| Core capital (leverage) ratio | 7.9142% | 6,630 |
| Tier 1 risk-based capital ratio | 17.6594% | 2,131 |
| Total risk-based capital ratio | 18.9104% | 2,071 |
| Memoranda: | ||
| Average total assets | $405,435,800 | 1,679 |
| Average earning assets | $391,012,400 | 1,586 |
| Average equity | $30,044,200 | 2,260 |
| Average total loans | $134,760,400 | 3,181 |