Home > Granite Bank > Performance and Condition Ratios
Granite Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0249% | 3,528 |
| Cost of funding earning assets | 0.4181% | 3,462 |
| Net interest margin | 3.6068% | 3,153 |
| Noninterest income to average assets | 0.6384% | 2,085 |
| Noninterest expense to average assets | 3.3157% | 1,324 |
| Loan and lease loss provision to assets | 0.1466% | 1,260 |
| Net operating income to assets | 0.4729% | 4,759 |
| Return on assets (ROA) | 0.4674% | 4,778 |
| Pretax return on assets | 0.5553% | 4,780 |
| Return on Equity (ROE) | 4.3331% | 4,671 |
| Retained earnings to average equity (ytd only) | 1.1323% | 4,594 |
| Net charge-offs to loans | 0.0314% | 1,868 |
| Credit loss provision to net charge-offs | 562.5000% | 540 |
| Earnings coverage of net charge-offs (x) | 27.1875% | 1,303 |
| Efficiency ratio | 82.3958% | 911 |
| Assets per employee ($millions) | 4.1400% | 3,745 |
| Cash dividends to net income (ytd only)* | 73.8676% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 4,011 |
| Loan loss allowance to noncurrent loans | 117.4350% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.7047% | 2,212 |
| Noncurrent loans to loans | 0.8448% | 2,123 |
| Net loans and leases to total assets | 82.5866% | 590 |
| Net loans and leases to deposits | 94.8737% | 1,151 |
| Net loans and leases to core deposits | 109.1771% | 1,053 |
| Total domestic deposits to total assets | 87.0489% | 2,102 |
| Equity capital to assets | 10.9841% | 2,600 |
| Core capital (leverage) ratio | 10.7159% | 2,722 |
| Tier 1 risk-based capital ratio | 12.5752% | 4,194 |
| Total risk-based capital ratio | 13.5762% | 4,254 |
| Memoranda: | ||
| Average total assets | $245,623,000 | 2,552 |
| Average earning assets | $230,563,500 | 2,530 |
| Average equity | $26,494,000 | 2,582 |
| Average total loans | $203,557,000 | 2,172 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 3,183 |
| Cost of funding earning assets | 0.3514% | 3,706 |
| Net interest margin | 3.7151% | 2,738 |
| Noninterest income to average assets | 0.7304% | 1,843 |
| Noninterest expense to average assets | 3.2024% | 1,604 |
| Loan and lease loss provision to assets | 0.1380% | 1,659 |
| Net operating income to assets | 0.5702% | 4,140 |
| Return on assets (ROA) | 0.5665% | 4,191 |
| Pretax return on assets | 0.8811% | 3,971 |
| Return on Equity (ROE) | 5.5921% | 3,926 |
| Retained earnings to average equity (ytd only) | 2.1895% | 4,010 |
| Net charge-offs to loans | 0.0289% | 3,233 |
| Credit loss provision to net charge-offs | 585.2459% | 553 |
| Earnings coverage of net charge-offs (x) | 43.4754% | 1,197 |
| Efficiency ratio | 75.7565% | 1,659 |
| Assets per employee ($millions) | 4.2564% | 3,568 |
| Cash dividends to net income (ytd only)* | 60.8458% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 4,344 |
| Loan loss allowance to noncurrent loans | 116.2211% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.6554% | 2,358 |
| Noncurrent loans to loans | 0.7959% | 2,222 |
| Net loans and leases to total assets | 81.5954% | 743 |
| Net loans and leases to deposits | 94.1197% | 1,260 |
| Net loans and leases to core deposits | 108.9200% | 1,066 |
| Total domestic deposits to total assets | 86.6932% | 2,152 |
| Equity capital to assets | 10.5974% | 3,054 |
| Core capital (leverage) ratio | 10.1027% | 3,317 |
| Tier 1 risk-based capital ratio | 12.2845% | 4,346 |
| Total risk-based capital ratio | 13.2294% | 4,427 |
| Memoranda: | ||
| Average total assets | $258,773,200 | 2,427 |
| Average earning assets | $243,571,200 | 2,393 |
| Average equity | $26,215,600 | 2,595 |
| Average total loans | $211,251,800 | 2,064 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9981% | 3,366 |
| Cost of funding earning assets | 0.3457% | 3,714 |
| Net interest margin | 3.6524% | 2,942 |
| Noninterest income to average assets | 0.7007% | 1,999 |
| Noninterest expense to average assets | 3.1757% | 1,619 |
| Loan and lease loss provision to assets | 0.1841% | 1,072 |
| Net operating income to assets | 0.5507% | 4,572 |
| Return on assets (ROA) | 0.5452% | 4,628 |
| Pretax return on assets | 0.7703% | 4,427 |
| Return on Equity (ROE) | 5.4422% | 4,354 |
| Retained earnings to average equity (ytd only) | 2.0319% | 4,624 |
| Net charge-offs to loans | 0.0446% | 2,546 |
| Credit loss provision to net charge-offs | 507.0423% | 626 |
| Earnings coverage of net charge-offs (x) | 26.4942% | 1,679 |
| Efficiency ratio | 76.7491% | 1,494 |
| Assets per employee ($millions) | 4.2362% | 3,586 |
| Cash dividends to net income (ytd only)* | 62.6638% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 4,624 |
| Loan loss allowance to noncurrent loans | 138.4168% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 2,927 |
| Noncurrent loans to loans | 0.6396% | 2,798 |
| Net loans and leases to total assets | 82.5750% | 595 |
| Net loans and leases to deposits | 94.8803% | 1,213 |
| Net loans and leases to core deposits | 111.7774% | 933 |
| Total domestic deposits to total assets | 87.0307% | 1,863 |
| Equity capital to assets | 10.2492% | 3,639 |
| Core capital (leverage) ratio | 9.9457% | 3,634 |
| Tier 1 risk-based capital ratio | 11.8144% | 4,757 |
| Total risk-based capital ratio | 12.7228% | 4,870 |
| Memoranda: | ||
| Average total assets | $260,684,750 | 2,422 |
| Average earning assets | $245,309,250 | 2,396 |
| Average equity | $26,116,250 | 2,624 |
| Average total loans | $212,359,500 | 2,069 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 3,534 |
| Cost of funding earning assets | 0.3404% | 3,683 |
| Net interest margin | 3.5653% | 3,164 |
| Noninterest income to average assets | 0.6357% | 2,283 |
| Noninterest expense to average assets | 3.2191% | 1,542 |
| Loan and lease loss provision to assets | 0.1951% | 949 |
| Net operating income to assets | 0.4290% | 4,901 |
| Return on assets (ROA) | 0.4200% | 4,958 |
| Pretax return on assets | 0.5669% | 4,867 |
| Return on Equity (ROE) | 4.2242% | 4,759 |
| Retained earnings to average equity (ytd only) | 0.8387% | 4,883 |
| Net charge-offs to loans | 0.0095% | 3,127 |
| Credit loss provision to net charge-offs | 2,550.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 101.2000% | 649 |
| Efficiency ratio | 80.6130% | 1,145 |
| Assets per employee ($millions) | 4.2078% | 3,604 |
| Cash dividends to net income (ytd only)* | 80.1457% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 4,867 |
| Loan loss allowance to noncurrent loans | 122.1785% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 2,821 |
| Noncurrent loans to loans | 0.6810% | 2,712 |
| Net loans and leases to total assets | 85.0660% | 340 |
| Net loans and leases to deposits | 101.6974% | 627 |
| Net loans and leases to core deposits | 118.8593% | 604 |
| Total domestic deposits to total assets | 83.6462% | 3,342 |
| Equity capital to assets | 10.0571% | 3,845 |
| Core capital (leverage) ratio | 9.8592% | 3,703 |
| Tier 1 risk-based capital ratio | 11.3503% | 5,054 |
| Total risk-based capital ratio | 12.2124% | 5,173 |
| Memoranda: | ||
| Average total assets | $261,442,670 | 2,428 |
| Average earning assets | $246,204,330 | 2,405 |
| Average equity | $25,993,330 | 2,633 |
| Average total loans | $211,383,000 | 2,077 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7587% | 3,904 |
| Cost of funding earning assets | 0.3311% | 3,740 |
| Net interest margin | 3.4276% | 3,538 |
| Noninterest income to average assets | 0.6098% | 2,372 |
| Noninterest expense to average assets | 3.2599% | 1,453 |
| Loan and lease loss provision to assets | 0.2063% | 792 |
| Net operating income to assets | 0.2980% | 5,194 |
| Return on assets (ROA) | 0.2980% | 5,211 |
| Pretax return on assets | 0.3714% | 5,208 |
| Return on Equity (ROE) | 3.0149% | 5,095 |
| Retained earnings to average equity (ytd only) | -0.7731% | 5,038 |
| Net charge-offs to loans | 0.0234% | 2,295 |
| Credit loss provision to net charge-offs | 1,125.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 1,187 |
| Efficiency ratio | 84.9462% | 894 |
| Assets per employee ($millions) | 3.9757% | 4,057 |
| Cash dividends to net income (ytd only)* | 125.6410% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8180% | 5,015 |
| Loan loss allowance to noncurrent loans | 114.5490% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 2,918 |
| Noncurrent loans to loans | 0.7141% | 2,706 |
| Net loans and leases to total assets | 80.4027% | 782 |
| Net loans and leases to deposits | 92.4425% | 1,276 |
| Net loans and leases to core deposits | 106.6678% | 1,052 |
| Total domestic deposits to total assets | 86.9759% | 2,225 |
| Equity capital to assets | 9.8568% | 3,925 |
| Core capital (leverage) ratio | 9.7411% | 3,826 |
| Tier 1 risk-based capital ratio | 11.7446% | 4,888 |
| Total risk-based capital ratio | 12.5944% | 5,025 |
| Memoranda: | ||
| Average total assets | $261,723,500 | 2,453 |
| Average earning assets | $246,467,000 | 2,425 |
| Average equity | $25,871,500 | 2,651 |
| Average total loans | $205,183,000 | 2,137 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7433% | 4,080 |
| Cost of funding earning assets | 0.4112% | 2,895 |
| Net interest margin | 3.3321% | 4,049 |
| Noninterest income to average assets | 0.4728% | 3,396 |
| Noninterest expense to average assets | 3.2675% | 1,646 |
| Loan and lease loss provision to assets | 0.0758% | 2,839 |
| Net operating income to assets | 0.2203% | 5,379 |
| Return on assets (ROA) | 0.3236% | 5,233 |
| Pretax return on assets | 0.4073% | 5,219 |
| Return on Equity (ROE) | 3.2458% | 5,087 |
| Retained earnings to average equity (ytd only) | 1.0300% | 4,910 |
| Net charge-offs to loans | 0.0611% | 2,837 |
| Credit loss provision to net charge-offs | 163.9344% | 1,689 |
| Earnings coverage of net charge-offs (x) | 7.6230% | 2,992 |
| Efficiency ratio | 90.2659% | 538 |
| Assets per employee ($millions) | 3.8473% | 4,225 |
| Cash dividends to net income (ytd only)* | 68.2670% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 5,055 |
| Loan loss allowance to noncurrent loans | 105.0682% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.5883% | 2,968 |
| Noncurrent loans to loans | 0.7786% | 2,574 |
| Net loans and leases to total assets | 74.9328% | 1,704 |
| Net loans and leases to deposits | 86.8114% | 2,073 |
| Net loans and leases to core deposits | 102.1596% | 1,438 |
| Total domestic deposits to total assets | 86.3168% | 2,452 |
| Equity capital to assets | 9.9674% | 3,757 |
| Core capital (leverage) ratio | 9.1106% | 4,603 |
| Tier 1 risk-based capital ratio | 12.1645% | 4,605 |
| Total risk-based capital ratio | 13.0034% | 4,794 |
| Memoranda: | ||
| Average total assets | $263,934,600 | 2,401 |
| Average earning assets | $249,272,200 | 2,363 |
| Average equity | $26,311,200 | 2,612 |
| Average total loans | $199,664,000 | 2,126 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 4,049 |
| Cost of funding earning assets | 0.4133% | 2,899 |
| Net interest margin | 3.3457% | 4,040 |
| Noninterest income to average assets | 0.4330% | 3,672 |
| Noninterest expense to average assets | 3.1932% | 1,793 |
| Loan and lease loss provision to assets | 0.0756% | 2,711 |
| Net operating income to assets | 0.2524% | 5,388 |
| Return on assets (ROA) | 0.3846% | 5,158 |
| Pretax return on assets | 0.5046% | 5,112 |
| Return on Equity (ROE) | 3.8578% | 4,953 |
| Retained earnings to average equity (ytd only) | 1.7848% | 4,794 |
| Net charge-offs to loans | 0.0759% | 2,235 |
| Credit loss provision to net charge-offs | 131.5789% | 1,958 |
| Earnings coverage of net charge-offs (x) | 7.0700% | 2,924 |
| Efficiency ratio | 88.7131% | 631 |
| Assets per employee ($millions) | 3.7893% | 4,323 |
| Cash dividends to net income (ytd only)* | 53.7348% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8177% | 5,139 |
| Loan loss allowance to noncurrent loans | 111.0809% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 3,275 |
| Noncurrent loans to loans | 0.7362% | 2,833 |
| Net loans and leases to total assets | 73.6641% | 1,926 |
| Net loans and leases to deposits | 86.4931% | 2,210 |
| Net loans and leases to core deposits | 102.3366% | 1,461 |
| Total domestic deposits to total assets | 85.1676% | 2,727 |
| Equity capital to assets | 9.8703% | 4,278 |
| Core capital (leverage) ratio | 9.2474% | 4,536 |
| Tier 1 risk-based capital ratio | 12.0898% | 4,729 |
| Total risk-based capital ratio | 12.8914% | 4,921 |
| Memoranda: | ||
| Average total assets | $264,515,000 | 2,407 |
| Average earning assets | $250,344,250 | 2,371 |
| Average equity | $26,370,000 | 2,627 |
| Average total loans | $200,167,250 | 2,125 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7763% | 4,035 |
| Cost of funding earning assets | 0.4118% | 2,924 |
| Net interest margin | 3.3646% | 4,010 |
| Noninterest income to average assets | 0.4175% | 3,768 |
| Noninterest expense to average assets | 3.2045% | 1,800 |
| Loan and lease loss provision to assets | 0.0760% | 2,616 |
| Net operating income to assets | 0.2493% | 5,429 |
| Return on assets (ROA) | 0.4487% | 4,964 |
| Pretax return on assets | 0.5931% | 4,903 |
| Return on Equity (ROE) | 4.4853% | 4,718 |
| Retained earnings to average equity (ytd only) | 3.3754% | 3,747 |
| Net charge-offs to loans | 0.0749% | 2,113 |
| Credit loss provision to net charge-offs | 133.3333% | 1,741 |
| Earnings coverage of net charge-offs (x) | 7.1333% | 2,663 |
| Efficiency ratio | 88.7345% | 674 |
| Assets per employee ($millions) | 3.7815% | 4,304 |
| Cash dividends to net income (ytd only)* | 24.7458% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8032% | 5,276 |
| Loan loss allowance to noncurrent loans | 95.5830% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 3,107 |
| Noncurrent loans to loans | 0.8403% | 2,644 |
| Net loans and leases to total assets | 74.6587% | 1,706 |
| Net loans and leases to deposits | 87.8186% | 2,019 |
| Net loans and leases to core deposits | 103.5538% | 1,363 |
| Total domestic deposits to total assets | 85.0147% | 2,875 |
| Equity capital to assets | 9.9250% | 4,316 |
| Core capital (leverage) ratio | 9.6811% | 3,959 |
| Tier 1 risk-based capital ratio | 12.2606% | 4,667 |
| Total risk-based capital ratio | 13.0528% | 4,849 |
| Memoranda: | ||
| Average total assets | $263,006,670 | 2,434 |
| Average earning assets | $249,661,330 | 2,382 |
| Average equity | $26,308,330 | 2,640 |
| Average total loans | $200,283,000 | 2,124 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7972% | 3,953 |
| Cost of funding earning assets | 0.4097% | 2,968 |
| Net interest margin | 3.3875% | 3,912 |
| Noninterest income to average assets | 0.4057% | 3,784 |
| Noninterest expense to average assets | 3.1921% | 1,848 |
| Loan and lease loss provision to assets | 0.0768% | 2,425 |
| Net operating income to assets | 0.3043% | 5,293 |
| Return on assets (ROA) | 0.3043% | 5,375 |
| Pretax return on assets | 0.3519% | 5,398 |
| Return on Equity (ROE) | 3.0300% | 5,225 |
| Retained earnings to average equity (ytd only) | 1.7139% | 4,584 |
| Net charge-offs to loans | 0.0221% | 2,491 |
| Credit loss provision to net charge-offs | 454.5455% | 651 |
| Earnings coverage of net charge-offs (x) | 25.3636% | 1,296 |
| Efficiency ratio | 88.1579% | 801 |
| Assets per employee ($millions) | 3.8167% | 4,269 |
| Cash dividends to net income (ytd only)* | 43.4343% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8217% | 5,308 |
| Loan loss allowance to noncurrent loans | 108.7708% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.5799% | 3,328 |
| Noncurrent loans to loans | 0.7554% | 2,945 |
| Net loans and leases to total assets | 76.1343% | 1,374 |
| Net loans and leases to deposits | 89.6054% | 1,620 |
| Net loans and leases to core deposits | 102.9988% | 1,264 |
| Total domestic deposits to total assets | 84.9662% | 3,147 |
| Equity capital to assets | 10.1354% | 3,912 |
| Core capital (leverage) ratio | 9.7032% | 3,910 |
| Tier 1 risk-based capital ratio | 11.8749% | 4,990 |
| Total risk-based capital ratio | 12.6593% | 5,183 |
| Memoranda: | ||
| Average total assets | $260,268,500 | 2,461 |
| Average earning assets | $247,024,000 | 2,413 |
| Average equity | $26,139,000 | 2,650 |
| Average total loans | $199,390,000 | 2,137 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8209% | 3,977 |
| Cost of funding earning assets | 0.4252% | 2,896 |
| Net interest margin | 3.3958% | 3,934 |
| Noninterest income to average assets | 0.4041% | 4,004 |
| Noninterest expense to average assets | 2.9848% | 2,600 |
| Loan and lease loss provision to assets | 0.0115% | 4,180 |
| Net operating income to assets | 0.4883% | 4,740 |
| Return on assets (ROA) | 0.4919% | 4,817 |
| Pretax return on assets | 0.6307% | 4,741 |
| Return on Equity (ROE) | 5.0418% | 4,484 |
| Retained earnings to average equity (ytd only) | 3.3442% | 3,672 |
| Net charge-offs to loans | 0.0056% | 4,256 |
| Credit loss provision to net charge-offs | 272.7273% | 1,063 |
| Earnings coverage of net charge-offs (x) | 151.1818% | 421 |
| Efficiency ratio | 82.3984% | 1,353 |
| Assets per employee ($millions) | 4.0154% | 3,911 |
| Cash dividends to net income (ytd only)* | 33.6711% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 5,407 |
| Loan loss allowance to noncurrent loans | 114.5520% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.5345% | 3,502 |
| Noncurrent loans to loans | 0.6991% | 3,102 |
| Net loans and leases to total assets | 75.8422% | 1,447 |
| Net loans and leases to deposits | 88.1815% | 1,857 |
| Net loans and leases to core deposits | 101.0821% | 1,435 |
| Total domestic deposits to total assets | 86.0070% | 2,640 |
| Equity capital to assets | 9.9513% | 4,016 |
| Core capital (leverage) ratio | 9.7755% | 3,808 |
| Tier 1 risk-based capital ratio | 12.0723% | 4,902 |
| Total risk-based capital ratio | 12.8297% | 5,112 |
| Memoranda: | ||
| Average total assets | $260,820,400 | 2,416 |
| Average earning assets | $247,191,000 | 2,364 |
| Average equity | $25,447,400 | 2,656 |
| Average total loans | $195,464,600 | 2,118 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 4,074 |
| Cost of funding earning assets | 0.4328% | 2,873 |
| Net interest margin | 3.3709% | 4,077 |
| Noninterest income to average assets | 0.4003% | 4,086 |
| Noninterest expense to average assets | 2.9511% | 2,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4776% | 4,863 |
| Return on assets (ROA) | 0.4837% | 4,944 |
| Pretax return on assets | 0.6514% | 4,824 |
| Return on Equity (ROE) | 4.9822% | 4,636 |
| Retained earnings to average equity (ytd only) | 3.2758% | 4,133 |
| Net charge-offs to loans | 0.0075% | 3,901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 114.3347% | 559 |
| Efficiency ratio | 82.1053% | 1,381 |
| Assets per employee ($millions) | 4.2486% | 3,426 |
| Cash dividends to net income (ytd only)* | 34.2496% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7966% | 5,524 |
| Loan loss allowance to noncurrent loans | 111.2846% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 3,703 |
| Noncurrent loans to loans | 0.7158% | 3,187 |
| Net loans and leases to total assets | 74.1303% | 1,715 |
| Net loans and leases to deposits | 85.8685% | 2,161 |
| Net loans and leases to core deposits | 98.4288% | 1,655 |
| Total domestic deposits to total assets | 86.3300% | 2,367 |
| Equity capital to assets | 9.7583% | 4,436 |
| Core capital (leverage) ratio | 9.6763% | 4,060 |
| Tier 1 risk-based capital ratio | 12.4561% | 4,790 |
| Total risk-based capital ratio | 13.2299% | 5,015 |
| Memoranda: | ||
| Average total assets | $260,775,250 | 2,438 |
| Average earning assets | $247,087,500 | 2,390 |
| Average equity | $25,316,000 | 2,690 |
| Average total loans | $194,444,000 | 2,141 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7739% | 4,158 |
| Cost of funding earning assets | 0.4436% | 2,795 |
| Net interest margin | 3.3303% | 4,171 |
| Noninterest income to average assets | 0.3917% | 4,142 |
| Noninterest expense to average assets | 2.9466% | 2,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4504% | 4,967 |
| Return on assets (ROA) | 0.4510% | 5,070 |
| Pretax return on assets | 0.6002% | 4,974 |
| Return on Equity (ROE) | 4.6533% | 4,768 |
| Retained earnings to average equity (ytd only) | 2.7634% | 4,292 |
| Net charge-offs to loans | -0.0114% | 4,965 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0946% | 1,353 |
| Assets per employee ($millions) | 4.6044% | 2,821 |
| Cash dividends to net income (ytd only)* | 40.6143% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7969% | 5,607 |
| Loan loss allowance to noncurrent loans | 106.5684% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 3,710 |
| Noncurrent loans to loans | 0.7477% | 3,241 |
| Net loans and leases to total assets | 75.4204% | 1,449 |
| Net loans and leases to deposits | 87.5668% | 1,884 |
| Net loans and leases to core deposits | 101.0238% | 1,401 |
| Total domestic deposits to total assets | 86.1289% | 2,622 |
| Equity capital to assets | 9.5762% | 4,565 |
| Core capital (leverage) ratio | 9.6816% | 4,028 |
| Tier 1 risk-based capital ratio | 12.2207% | 4,982 |
| Total risk-based capital ratio | 12.9989% | 5,218 |
| Memoranda: | ||
| Average total assets | $259,895,000 | 2,454 |
| Average earning assets | $246,163,330 | 2,408 |
| Average equity | $25,186,330 | 2,707 |
| Average total loans | $193,645,670 | 2,144 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7775% | 4,104 |
| Cost of funding earning assets | 0.4473% | 2,797 |
| Net interest margin | 3.3302% | 4,093 |
| Noninterest income to average assets | 0.4099% | 3,921 |
| Noninterest expense to average assets | 2.9495% | 2,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4640% | 4,815 |
| Return on assets (ROA) | 0.4640% | 4,931 |
| Pretax return on assets | 0.6156% | 4,875 |
| Return on Equity (ROE) | 4.7594% | 4,634 |
| Retained earnings to average equity (ytd only) | 2.4115% | 4,489 |
| Net charge-offs to loans | -0.0252% | 5,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7332% | 1,531 |
| Assets per employee ($millions) | 4.4891% | 3,072 |
| Cash dividends to net income (ytd only)* | 49.3333% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 5,602 |
| Loan loss allowance to noncurrent loans | 125.3743% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 4,074 |
| Noncurrent loans to loans | 0.6670% | 3,613 |
| Net loans and leases to total assets | 72.4615% | 1,739 |
| Net loans and leases to deposits | 84.0027% | 2,076 |
| Net loans and leases to core deposits | 96.2596% | 1,597 |
| Total domestic deposits to total assets | 86.2609% | 2,788 |
| Equity capital to assets | 9.7432% | 4,441 |
| Core capital (leverage) ratio | 9.7247% | 3,984 |
| Tier 1 risk-based capital ratio | 12.5154% | 4,893 |
| Total risk-based capital ratio | 13.1861% | 5,169 |
| Memoranda: | ||
| Average total assets | $258,616,000 | 2,478 |
| Average earning assets | $245,030,000 | 2,425 |
| Average equity | $25,213,000 | 2,725 |
| Average total loans | $190,702,000 | 2,179 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8677% | 4,256 |
| Cost of funding earning assets | 0.5045% | 2,624 |
| Net interest margin | 3.3632% | 4,358 |
| Noninterest income to average assets | 0.3689% | 4,438 |
| Noninterest expense to average assets | 2.8113% | 3,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5585% | 4,567 |
| Return on assets (ROA) | 0.6365% | 4,307 |
| Pretax return on assets | 0.8507% | 4,073 |
| Return on Equity (ROE) | 6.8617% | 3,712 |
| Retained earnings to average equity (ytd only) | 4.9787% | 2,615 |
| Net charge-offs to loans | 0.1469% | 2,565 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.9217% | 3,119 |
| Efficiency ratio | 79.0138% | 2,063 |
| Assets per employee ($millions) | 4.5064% | 3,029 |
| Cash dividends to net income (ytd only)* | 27.4427% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8261% | 5,704 |
| Loan loss allowance to noncurrent loans | 119.9848% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5123% | 4,092 |
| Noncurrent loans to loans | 0.6885% | 3,620 |
| Net loans and leases to total assets | 73.8007% | 1,618 |
| Net loans and leases to deposits | 85.6445% | 2,025 |
| Net loans and leases to core deposits | 96.4021% | 1,685 |
| Total domestic deposits to total assets | 86.1710% | 2,737 |
| Equity capital to assets | 9.7553% | 4,412 |
| Core capital (leverage) ratio | 9.4415% | 4,318 |
| Tier 1 risk-based capital ratio | 12.8183% | 4,847 |
| Total risk-based capital ratio | 13.6491% | 5,012 |
| Memoranda: | ||
| Average total assets | $260,484,400 | 2,423 |
| Average earning assets | $246,995,600 | 2,371 |
| Average equity | $24,163,000 | 2,743 |
| Average total loans | $191,256,800 | 2,110 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8580% | 4,336 |
| Cost of funding earning assets | 0.5115% | 2,645 |
| Net interest margin | 3.3465% | 4,442 |
| Noninterest income to average assets | 0.3683% | 4,481 |
| Noninterest expense to average assets | 2.7769% | 3,553 |
| Loan and lease loss provision to assets | 0.0051% | 4,308 |
| Net operating income to assets | 0.5416% | 4,705 |
| Return on assets (ROA) | 0.5937% | 4,557 |
| Pretax return on assets | 0.8335% | 4,245 |
| Return on Equity (ROE) | 6.4829% | 3,982 |
| Retained earnings to average equity (ytd only) | 4.6227% | 3,343 |
| Net charge-offs to loans | 0.0767% | 3,104 |
| Credit loss provision to net charge-offs | 9.0909% | 3,716 |
| Earnings coverage of net charge-offs (x) | 13.6366% | 2,210 |
| Efficiency ratio | 78.3986% | 2,120 |
| Assets per employee ($millions) | 4.6238% | 2,778 |
| Cash dividends to net income (ytd only)* | 28.6940% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 5,587 |
| Loan loss allowance to noncurrent loans | 108.3077% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.6166% | 3,981 |
| Noncurrent loans to loans | 0.8360% | 3,483 |
| Net loans and leases to total assets | 73.0844% | 1,667 |
| Net loans and leases to deposits | 84.3215% | 2,104 |
| Net loans and leases to core deposits | 93.9266% | 1,872 |
| Total domestic deposits to total assets | 86.6735% | 2,490 |
| Equity capital to assets | 9.3467% | 4,982 |
| Core capital (leverage) ratio | 9.2000% | 4,790 |
| Tier 1 risk-based capital ratio | 12.2031% | 5,366 |
| Total risk-based capital ratio | 13.1108% | 5,500 |
| Memoranda: | ||
| Average total assets | $261,389,000 | 2,439 |
| Average earning assets | $247,896,500 | 2,381 |
| Average equity | $23,939,250 | 2,765 |
| Average total loans | $191,284,000 | 2,117 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8533% | 4,320 |
| Cost of funding earning assets | 0.5219% | 2,621 |
| Net interest margin | 3.3314% | 4,469 |
| Noninterest income to average assets | 0.3752% | 4,442 |
| Noninterest expense to average assets | 2.8044% | 3,489 |
| Loan and lease loss provision to assets | 0.0077% | 4,083 |
| Net operating income to assets | 0.5133% | 4,752 |
| Return on assets (ROA) | 0.5808% | 4,549 |
| Pretax return on assets | 0.8171% | 4,207 |
| Return on Equity (ROE) | 6.3861% | 3,947 |
| Retained earnings to average equity (ytd only) | 4.6061% | 3,229 |
| Net charge-offs to loans | 0.0273% | 3,646 |
| Credit loss provision to net charge-offs | 38.4615% | 2,944 |
| Earnings coverage of net charge-offs (x) | 36.5769% | 1,121 |
| Efficiency ratio | 79.3530% | 2,117 |
| Assets per employee ($millions) | 4.4821% | 2,946 |
| Cash dividends to net income (ytd only)* | 27.8732% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 5,546 |
| Loan loss allowance to noncurrent loans | 126.9972% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 4,306 |
| Noncurrent loans to loans | 0.7513% | 3,822 |
| Net loans and leases to total assets | 72.3859% | 1,673 |
| Net loans and leases to deposits | 84.7708% | 1,960 |
| Net loans and leases to core deposits | 93.1539% | 1,850 |
| Total domestic deposits to total assets | 85.3902% | 3,331 |
| Equity capital to assets | 9.1762% | 5,132 |
| Core capital (leverage) ratio | 9.0653% | 4,914 |
| Tier 1 risk-based capital ratio | 12.0073% | 5,536 |
| Total risk-based capital ratio | 12.9563% | 5,635 |
| Memoranda: | ||
| Average total assets | $260,666,330 | 2,451 |
| Average earning assets | $247,165,330 | 2,383 |
| Average equity | $23,707,670 | 2,776 |
| Average total loans | $190,252,330 | 2,124 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8576% | 4,259 |
| Cost of funding earning assets | 0.5313% | 2,592 |
| Net interest margin | 3.3263% | 4,439 |
| Noninterest income to average assets | 0.3864% | 4,298 |
| Noninterest expense to average assets | 2.8921% | 3,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4589% | 4,900 |
| Return on assets (ROA) | 0.5379% | 4,585 |
| Pretax return on assets | 0.7605% | 4,270 |
| Return on Equity (ROE) | 5.9415% | 4,051 |
| Retained earnings to average equity (ytd only) | 4.1317% | 3,653 |
| Net charge-offs to loans | 0.0233% | 3,105 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 38.1818% | 905 |
| Efficiency ratio | 81.6674% | 1,969 |
| Assets per employee ($millions) | 4.4049% | 3,142 |
| Cash dividends to net income (ytd only)* | 30.4598% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9733% | 5,626 |
| Loan loss allowance to noncurrent loans | 70.2508% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.0423% | 3,168 |
| Noncurrent loans to loans | 1.3854% | 2,710 |
| Net loans and leases to total assets | 73.6357% | 1,324 |
| Net loans and leases to deposits | 85.8494% | 1,622 |
| Net loans and leases to core deposits | 95.0683% | 1,463 |
| Total domestic deposits to total assets | 85.7732% | 3,485 |
| Equity capital to assets | 9.2832% | 4,777 |
| Core capital (leverage) ratio | 9.0218% | 4,974 |
| Tier 1 risk-based capital ratio | 12.0417% | 5,616 |
| Total risk-based capital ratio | 13.0158% | 5,714 |
| Memoranda: | ||
| Average total assets | $258,777,000 | 2,469 |
| Average earning assets | $245,434,500 | 2,392 |
| Average equity | $23,428,500 | 2,803 |
| Average total loans | $188,746,000 | 2,147 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9914% | 4,115 |
| Cost of funding earning assets | 0.5795% | 2,840 |
| Net interest margin | 3.4119% | 4,232 |
| Noninterest income to average assets | 0.4592% | 4,024 |
| Noninterest expense to average assets | 2.8320% | 3,611 |
| Loan and lease loss provision to assets | 0.1126% | 2,934 |
| Net operating income to assets | 0.5345% | 4,576 |
| Return on assets (ROA) | 0.5663% | 4,536 |
| Pretax return on assets | 0.7926% | 4,169 |
| Return on Equity (ROE) | 6.2850% | 3,922 |
| Retained earnings to average equity (ytd only) | 4.4133% | 3,036 |
| Net charge-offs to loans | 0.2057% | 2,822 |
| Credit loss provision to net charge-offs | 75.0649% | 3,170 |
| Earnings coverage of net charge-offs (x) | 5.7377% | 3,228 |
| Efficiency ratio | 76.6983% | 2,677 |
| Assets per employee ($millions) | 4.3679% | 3,143 |
| Cash dividends to net income (ytd only)* | 29.7799% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 5,609 |
| Loan loss allowance to noncurrent loans | 72.0759% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 0.9971% | 3,419 |
| Noncurrent loans to loans | 1.3769% | 2,837 |
| Net loans and leases to total assets | 70.8416% | 1,869 |
| Net loans and leases to deposits | 82.5967% | 2,117 |
| Net loans and leases to core deposits | 90.0268% | 2,021 |
| Total domestic deposits to total assets | 85.7680% | 3,379 |
| Equity capital to assets | 8.8296% | 5,223 |
| Core capital (leverage) ratio | 8.4502% | 5,725 |
| Tier 1 risk-based capital ratio | 11.8020% | 5,741 |
| Total risk-based capital ratio | 12.7948% | 5,821 |
| Memoranda: | ||
| Average total assets | $256,746,400 | 2,465 |
| Average earning assets | $243,298,600 | 2,397 |
| Average equity | $23,134,400 | 2,804 |
| Average total loans | $187,194,400 | 2,131 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 4,027 |
| Cost of funding earning assets | 0.5890% | 2,910 |
| Net interest margin | 3.4366% | 4,138 |
| Noninterest income to average assets | 0.4787% | 3,942 |
| Noninterest expense to average assets | 2.8382% | 3,533 |
| Loan and lease loss provision to assets | 0.1509% | 2,383 |
| Net operating income to assets | 0.5307% | 4,664 |
| Return on assets (ROA) | 0.5737% | 4,593 |
| Pretax return on assets | 0.8060% | 4,271 |
| Return on Equity (ROE) | 6.3342% | 4,016 |
| Retained earnings to average equity (ytd only) | 4.4437% | 3,506 |
| Net charge-offs to loans | 0.1582% | 2,969 |
| Credit loss provision to net charge-offs | 130.1802% | 1,816 |
| Earnings coverage of net charge-offs (x) | 7.7343% | 2,743 |
| Efficiency ratio | 75.9994% | 2,731 |
| Assets per employee ($millions) | 4.2187% | 3,386 |
| Cash dividends to net income (ytd only)* | 29.8451% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 5,287 |
| Loan loss allowance to noncurrent loans | 80.8230% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 0.9688% | 3,725 |
| Noncurrent loans to loans | 1.3726% | 3,122 |
| Net loans and leases to total assets | 68.9466% | 2,150 |
| Net loans and leases to deposits | 79.6745% | 2,453 |
| Net loans and leases to core deposits | 87.4250% | 2,237 |
| Total domestic deposits to total assets | 86.5354% | 2,944 |
| Equity capital to assets | 8.8083% | 5,413 |
| Core capital (leverage) ratio | 8.5629% | 5,709 |
| Tier 1 risk-based capital ratio | 12.1136% | 5,712 |
| Total risk-based capital ratio | 13.2320% | 5,731 |
| Memoranda: | ||
| Average total assets | $255,415,000 | 2,493 |
| Average earning assets | $241,976,000 | 2,426 |
| Average equity | $23,133,000 | 2,838 |
| Average total loans | $187,113,750 | 2,132 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0914% | 3,767 |
| Cost of funding earning assets | 0.5939% | 2,995 |
| Net interest margin | 3.4975% | 3,790 |
| Noninterest income to average assets | 0.5076% | 3,779 |
| Noninterest expense to average assets | 2.8780% | 3,410 |
| Loan and lease loss provision to assets | 0.1800% | 2,112 |
| Net operating income to assets | 0.5351% | 4,639 |
| Return on assets (ROA) | 0.5920% | 4,516 |
| Pretax return on assets | 0.8407% | 4,154 |
| Return on Equity (ROE) | 6.4755% | 3,891 |
| Retained earnings to average equity (ytd only) | 4.6451% | 3,297 |
| Net charge-offs to loans | 0.1611% | 2,818 |
| Credit loss provision to net charge-offs | 150.0000% | 1,535 |
| Earnings coverage of net charge-offs (x) | 7.8289% | 2,496 |
| Efficiency ratio | 75.3929% | 2,879 |
| Assets per employee ($millions) | 4.2007% | 3,356 |
| Cash dividends to net income (ytd only)* | 28.2667% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 5,572 |
| Loan loss allowance to noncurrent loans | 91.3669% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.8658% | 4,080 |
| Noncurrent loans to loans | 1.1612% | 3,618 |
| Net loans and leases to total assets | 72.7571% | 1,441 |
| Net loans and leases to deposits | 84.0398% | 1,802 |
| Net loans and leases to core deposits | 90.8931% | 1,821 |
| Total domestic deposits to total assets | 86.5746% | 3,078 |
| Equity capital to assets | 8.7803% | 5,463 |
| Core capital (leverage) ratio | 8.7122% | 5,402 |
| Tier 1 risk-based capital ratio | 11.6651% | 6,018 |
| Total risk-based capital ratio | 12.7556% | 6,073 |
| Memoranda: | ||
| Average total assets | $253,367,000 | 2,524 |
| Average earning assets | $239,772,000 | 2,448 |
| Average equity | $23,164,330 | 2,846 |
| Average total loans | $188,698,670 | 2,113 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1578% | 3,481 |
| Cost of funding earning assets | 0.6015% | 3,095 |
| Net interest margin | 3.5563% | 3,450 |
| Noninterest income to average assets | 0.4995% | 3,769 |
| Noninterest expense to average assets | 2.8980% | 3,353 |
| Loan and lease loss provision to assets | 0.1825% | 2,026 |
| Net operating income to assets | 0.5796% | 4,314 |
| Return on assets (ROA) | 0.5796% | 4,466 |
| Pretax return on assets | 0.7797% | 4,254 |
| Return on Equity (ROE) | 6.2113% | 3,934 |
| Retained earnings to average equity (ytd only) | 4.4440% | 3,569 |
| Net charge-offs to loans | 0.1965% | 2,238 |
| Credit loss provision to net charge-offs | 123.9130% | 1,570 |
| Earnings coverage of net charge-offs (x) | 6.5326% | 2,202 |
| Efficiency ratio | 75.0726% | 3,086 |
| Assets per employee ($millions) | 4.1509% | 3,625 |
| Cash dividends to net income (ytd only)* | 28.4530% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 5,777 |
| Loan loss allowance to noncurrent loans | 192.2255% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 5,307 |
| Noncurrent loans to loans | 0.5486% | 5,066 |
| Net loans and leases to total assets | 74.5165% | 1,010 |
| Net loans and leases to deposits | 86.7452% | 1,274 |
| Net loans and leases to core deposits | 93.8882% | 1,353 |
| Total domestic deposits to total assets | 85.9027% | 3,578 |
| Equity capital to assets | 9.3750% | 5,026 |
| Core capital (leverage) ratio | 8.9027% | 5,054 |
| Tier 1 risk-based capital ratio | 11.9424% | 5,950 |
| Total risk-based capital ratio | 13.0187% | 6,027 |
| Memoranda: | ||
| Average total assets | $249,827,500 | 2,583 |
| Average earning assets | $236,089,000 | 2,511 |
| Average equity | $23,312,500 | 2,880 |
| Average total loans | $187,285,500 | 2,146 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 3,536 |
| Cost of funding earning assets | 0.7100% | 3,412 |
| Net interest margin | 3.7575% | 3,404 |
| Noninterest income to average assets | 0.3934% | 4,660 |
| Noninterest expense to average assets | 3.0893% | 2,961 |
| Loan and lease loss provision to assets | 0.2918% | 2,339 |
| Net operating income to assets | 0.4013% | 5,097 |
| Return on assets (ROA) | 0.5379% | 4,784 |
| Pretax return on assets | 0.7314% | 4,552 |
| Return on Equity (ROE) | 5.6973% | 4,309 |
| Retained earnings to average equity (ytd only) | 4.0708% | 3,353 |
| Net charge-offs to loans | 0.5233% | 2,159 |
| Credit loss provision to net charge-offs | 74.4995% | 4,023 |
| Earnings coverage of net charge-offs (x) | 2.1412% | 4,340 |
| Efficiency ratio | 78.6465% | 2,333 |
| Assets per employee ($millions) | 4.0419% | 3,862 |
| Cash dividends to net income (ytd only)* | 28.5495% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 5,777 |
| Loan loss allowance to noncurrent loans | 115.8082% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.7346% | 4,639 |
| Noncurrent loans to loans | 0.9032% | 4,378 |
| Net loans and leases to total assets | 73.8428% | 1,217 |
| Net loans and leases to deposits | 87.3314% | 1,350 |
| Net loans and leases to core deposits | 93.6246% | 1,497 |
| Total domestic deposits to total assets | 84.5547% | 4,062 |
| Equity capital to assets | 9.2881% | 5,171 |
| Core capital (leverage) ratio | 8.8606% | 5,083 |
| Tier 1 risk-based capital ratio | 11.7116% | 5,950 |
| Total risk-based capital ratio | 12.7707% | 6,054 |
| Memoranda: | ||
| Average total assets | $242,258,800 | 2,609 |
| Average earning assets | $227,888,000 | 2,528 |
| Average equity | $22,870,400 | 2,865 |
| Average total loans | $181,349,000 | 2,184 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5439% | 3,449 |
| Cost of funding earning assets | 0.7372% | 3,463 |
| Net interest margin | 3.8067% | 3,311 |
| Noninterest income to average assets | 0.4352% | 4,389 |
| Noninterest expense to average assets | 3.1526% | 2,710 |
| Loan and lease loss provision to assets | 0.2443% | 2,611 |
| Net operating income to assets | 0.4562% | 5,010 |
| Return on assets (ROA) | 0.5318% | 4,973 |
| Pretax return on assets | 0.7178% | 4,799 |
| Return on Equity (ROE) | 5.6098% | 4,528 |
| Retained earnings to average equity (ytd only) | 3.8941% | 4,147 |
| Net charge-offs to loans | 0.6395% | 1,724 |
| Credit loss provision to net charge-offs | 50.9849% | 4,383 |
| Earnings coverage of net charge-offs (x) | 1.7949% | 4,370 |
| Efficiency ratio | 78.5695% | 2,303 |
| Assets per employee ($millions) | 3.7134% | 4,508 |
| Cash dividends to net income (ytd only)* | 30.5848% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 6,131 |
| Loan loss allowance to noncurrent loans | 76.8731% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.0453% | 4,207 |
| Noncurrent loans to loans | 1.2849% | 3,895 |
| Net loans and leases to total assets | 72.6006% | 1,453 |
| Net loans and leases to deposits | 83.2483% | 1,967 |
| Net loans and leases to core deposits | 89.3579% | 2,061 |
| Total domestic deposits to total assets | 87.2098% | 2,551 |
| Equity capital to assets | 9.4706% | 5,243 |
| Core capital (leverage) ratio | 8.9803% | 5,095 |
| Tier 1 risk-based capital ratio | 11.9811% | 5,944 |
| Total risk-based capital ratio | 12.9697% | 6,084 |
| Memoranda: | ||
| Average total assets | $240,173,500 | 2,651 |
| Average earning assets | $225,701,250 | 2,580 |
| Average equity | $22,769,000 | 2,902 |
| Average total loans | $179,934,750 | 2,229 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5956% | 3,382 |
| Cost of funding earning assets | 0.7719% | 3,431 |
| Net interest margin | 3.8237% | 3,247 |
| Noninterest income to average assets | 0.4762% | 4,086 |
| Noninterest expense to average assets | 3.1987% | 2,596 |
| Loan and lease loss provision to assets | 0.2130% | 2,945 |
| Net operating income to assets | 0.4694% | 4,958 |
| Return on assets (ROA) | 0.5810% | 4,720 |
| Pretax return on assets | 0.8083% | 4,450 |
| Return on Equity (ROE) | 6.1269% | 4,262 |
| Retained earnings to average equity (ytd only) | 4.5443% | 3,583 |
| Net charge-offs to loans | 0.6344% | 1,729 |
| Credit loss provision to net charge-offs | 44.4834% | 4,155 |
| Earnings coverage of net charge-offs (x) | 1.8091% | 4,072 |
| Efficiency ratio | 78.6922% | 2,370 |
| Assets per employee ($millions) | 3.6048% | 4,743 |
| Cash dividends to net income (ytd only)* | 25.8297% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 5,991 |
| Loan loss allowance to noncurrent loans | 151.8160% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 1.0941% | 4,191 |
| Noncurrent loans to loans | 0.6873% | 5,131 |
| Net loans and leases to total assets | 74.9855% | 1,102 |
| Net loans and leases to deposits | 85.9383% | 1,608 |
| Net loans and leases to core deposits | 91.5671% | 1,814 |
| Total domestic deposits to total assets | 87.2551% | 2,618 |
| Equity capital to assets | 9.6371% | 4,855 |
| Core capital (leverage) ratio | 9.0734% | 4,802 |
| Tier 1 risk-based capital ratio | 11.9078% | 5,987 |
| Total risk-based capital ratio | 12.9604% | 6,086 |
| Memoranda: | ||
| Average total assets | $238,536,000 | 2,678 |
| Average earning assets | $223,867,670 | 2,602 |
| Average equity | $22,621,670 | 2,900 |
| Average total loans | $180,010,000 | 2,232 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6682% | 3,174 |
| Cost of funding earning assets | 0.8047% | 3,440 |
| Net interest margin | 3.8635% | 3,082 |
| Noninterest income to average assets | 0.5242% | 3,751 |
| Noninterest expense to average assets | 3.2506% | 2,434 |
| Loan and lease loss provision to assets | 0.1959% | 2,984 |
| Net operating income to assets | 0.5275% | 4,700 |
| Return on assets (ROA) | 0.5275% | 4,911 |
| Pretax return on assets | 0.7201% | 4,730 |
| Return on Equity (ROE) | 5.6079% | 4,495 |
| Retained earnings to average equity (ytd only) | 4.0946% | 4,137 |
| Net charge-offs to loans | 0.3247% | 2,352 |
| Credit loss provision to net charge-offs | 80.1370% | 2,724 |
| Earnings coverage of net charge-offs (x) | 3.7466% | 2,766 |
| Efficiency ratio | 78.0145% | 2,490 |
| Assets per employee ($millions) | 3.6762% | 4,709 |
| Cash dividends to net income (ytd only)* | 26.9841% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 5,490 |
| Loan loss allowance to noncurrent loans | 154.9286% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 1.1546% | 4,198 |
| Noncurrent loans to loans | 0.7745% | 5,115 |
| Net loans and leases to total assets | 74.7387% | 956 |
| Net loans and leases to deposits | 85.9396% | 1,428 |
| Net loans and leases to core deposits | 90.9540% | 1,756 |
| Total domestic deposits to total assets | 86.9665% | 2,969 |
| Equity capital to assets | 9.4349% | 4,892 |
| Core capital (leverage) ratio | 8.7763% | 5,162 |
| Tier 1 risk-based capital ratio | 11.5947% | 6,222 |
| Total risk-based capital ratio | 12.7962% | 6,229 |
| Memoranda: | ||
| Average total assets | $238,847,000 | 2,682 |
| Average earning assets | $225,184,000 | 2,597 |
| Average equity | $22,468,500 | 2,918 |
| Average total loans | $179,874,000 | 2,246 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0425% | 2,692 |
| Cost of funding earning assets | 0.9567% | 3,676 |
| Net interest margin | 4.0858% | 2,495 |
| Noninterest income to average assets | 0.3664% | 4,885 |
| Noninterest expense to average assets | 3.4653% | 2,075 |
| Loan and lease loss provision to assets | 0.2914% | 3,334 |
| Net operating income to assets | 0.3346% | 5,127 |
| Return on assets (ROA) | 0.4812% | 4,713 |
| Pretax return on assets | 0.6046% | 4,678 |
| Return on Equity (ROE) | 5.5284% | 4,117 |
| Retained earnings to average equity (ytd only) | 3.8243% | 3,490 |
| Net charge-offs to loans | 0.6261% | 2,585 |
| Credit loss provision to net charge-offs | 60.1802% | 5,165 |
| Earnings coverage of net charge-offs (x) | 1.4721% | 4,662 |
| Efficiency ratio | 82.9401% | 1,889 |
| Assets per employee ($millions) | 3.6729% | 4,606 |
| Cash dividends to net income (ytd only)* | 30.8250% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 5,266 |
| Loan loss allowance to noncurrent loans | 238.5451% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 1.1045% | 4,406 |
| Noncurrent loans to loans | 0.5146% | 5,681 |
| Net loans and leases to total assets | 74.0517% | 1,264 |
| Net loans and leases to deposits | 85.1205% | 1,790 |
| Net loans and leases to core deposits | 90.0841% | 2,123 |
| Total domestic deposits to total assets | 86.9963% | 2,766 |
| Equity capital to assets | 9.3792% | 5,046 |
| Core capital (leverage) ratio | 8.7354% | 5,200 |
| Tier 1 risk-based capital ratio | 11.5052% | 6,157 |
| Total risk-based capital ratio | 12.7408% | 6,154 |
| Memoranda: | ||
| Average total assets | $229,242,400 | 2,733 |
| Average earning assets | $213,863,000 | 2,685 |
| Average equity | $19,951,400 | 3,160 |
| Average total loans | $177,297,800 | 2,289 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1309% | 2,470 |
| Cost of funding earning assets | 0.9940% | 3,722 |
| Net interest margin | 4.1369% | 2,323 |
| Noninterest income to average assets | 0.4231% | 4,492 |
| Noninterest expense to average assets | 3.4686% | 2,021 |
| Loan and lease loss provision to assets | 0.2063% | 3,956 |
| Net operating income to assets | 0.4717% | 4,667 |
| Return on assets (ROA) | 0.4819% | 4,820 |
| Pretax return on assets | 0.6112% | 4,774 |
| Return on Equity (ROE) | 5.6527% | 4,203 |
| Retained earnings to average equity (ytd only) | 4.6049% | 3,443 |
| Net charge-offs to loans | 0.6083% | 2,426 |
| Credit loss provision to net charge-offs | 43.4944% | 5,174 |
| Earnings coverage of net charge-offs (x) | 1.6964% | 4,385 |
| Efficiency ratio | 81.1718% | 2,088 |
| Assets per employee ($millions) | 3.6352% | 4,671 |
| Cash dividends to net income (ytd only)* | 18.5364% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 5,233 |
| Loan loss allowance to noncurrent loans | 98.9130% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 1.6286% | 3,644 |
| Noncurrent loans to loans | 1.2664% | 4,415 |
| Net loans and leases to total assets | 74.0040% | 1,325 |
| Net loans and leases to deposits | 85.5497% | 1,746 |
| Net loans and leases to core deposits | 90.2039% | 2,226 |
| Total domestic deposits to total assets | 86.5041% | 2,928 |
| Equity capital to assets | 9.6452% | 4,861 |
| Core capital (leverage) ratio | 9.1844% | 4,650 |
| Tier 1 risk-based capital ratio | 11.9769% | 5,910 |
| Total risk-based capital ratio | 13.2454% | 5,887 |
| Memoranda: | ||
| Average total assets | $226,868,000 | 2,768 |
| Average earning assets | $211,134,500 | 2,723 |
| Average equity | $19,341,250 | 3,236 |
| Average total loans | $176,875,250 | 2,306 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2108% | 2,223 |
| Cost of funding earning assets | 1.0351% | 3,703 |
| Net interest margin | 4.1757% | 2,138 |
| Noninterest income to average assets | 0.4286% | 4,436 |
| Noninterest expense to average assets | 3.5681% | 1,818 |
| Loan and lease loss provision to assets | 0.2081% | 3,846 |
| Net operating income to assets | 0.4419% | 4,761 |
| Return on assets (ROA) | 0.4419% | 4,898 |
| Pretax return on assets | 0.5370% | 4,943 |
| Return on Equity (ROE) | 5.4292% | 4,244 |
| Retained earnings to average equity (ytd only) | 3.7688% | 3,817 |
| Net charge-offs to loans | 0.1981% | 3,961 |
| Credit loss provision to net charge-offs | 132.9545% | 2,300 |
| Earnings coverage of net charge-offs (x) | 4.7614% | 2,786 |
| Efficiency ratio | 82.7252% | 1,987 |
| Assets per employee ($millions) | 3.4226% | 5,144 |
| Cash dividends to net income (ytd only)* | 30.5835% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 4,050 |
| Loan loss allowance to noncurrent loans | 125.4300% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 1.4171% | 4,091 |
| Noncurrent loans to loans | 1.2096% | 4,637 |
| Net loans and leases to total assets | 77.5276% | 840 |
| Net loans and leases to deposits | 89.6611% | 1,314 |
| Net loans and leases to core deposits | 93.3279% | 1,981 |
| Total domestic deposits to total assets | 86.4673% | 3,060 |
| Equity capital to assets | 8.2058% | 6,507 |
| Core capital (leverage) ratio | 7.5114% | 6,736 |
| Tier 1 risk-based capital ratio | 9.7876% | 7,034 |
| Total risk-based capital ratio | 11.0717% | 7,026 |
| Memoranda: | ||
| Average total assets | $224,939,000 | 2,805 |
| Average earning assets | $209,257,000 | 2,767 |
| Average equity | $18,308,330 | 3,369 |
| Average total loans | $177,714,330 | 2,310 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2124% | 2,178 |
| Cost of funding earning assets | 1.0914% | 3,581 |
| Net interest margin | 4.1210% | 2,184 |
| Noninterest income to average assets | 0.4223% | 4,519 |
| Noninterest expense to average assets | 3.6442% | 1,665 |
| Loan and lease loss provision to assets | 0.2085% | 3,554 |
| Net operating income to assets | 0.3582% | 5,134 |
| Return on assets (ROA) | 0.3582% | 5,216 |
| Pretax return on assets | 0.4116% | 5,305 |
| Return on Equity (ROE) | 4.4189% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.4189% | 3,526 |
| Net charge-offs to loans | 0.0068% | 5,026 |
| Credit loss provision to net charge-offs | 3,900.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 116.0000% | 283 |
| Efficiency ratio | 85.4576% | 1,777 |
| Assets per employee ($millions) | 3.3981% | 5,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 3,949 |
| Loan loss allowance to noncurrent loans | 137.8568% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 1.3309% | 4,305 |
| Noncurrent loans to loans | 1.1264% | 4,820 |
| Net loans and leases to total assets | 77.8229% | 754 |
| Net loans and leases to deposits | 88.9996% | 1,350 |
| Net loans and leases to core deposits | 92.5121% | 2,068 |
| Total domestic deposits to total assets | 87.4418% | 2,693 |
| Equity capital to assets | 8.1770% | 6,310 |
| Core capital (leverage) ratio | 7.4648% | 6,752 |
| Tier 1 risk-based capital ratio | 9.6496% | 7,110 |
| Total risk-based capital ratio | 10.9245% | 7,116 |
| Memoranda: | ||
| Average total assets | $224,463,500 | 2,831 |
| Average earning assets | $209,271,000 | 2,795 |
| Average equity | $18,194,500 | 3,373 |
| Average total loans | $177,659,000 | 2,339 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4725% | 2,386 |
| Cost of funding earning assets | 1.3213% | 3,748 |
| Net interest margin | 4.1512% | 2,361 |
| Noninterest income to average assets | 0.4564% | 4,468 |
| Noninterest expense to average assets | 3.6209% | 1,873 |
| Loan and lease loss provision to assets | 0.2747% | 4,606 |
| Net operating income to assets | 0.3523% | 4,730 |
| Return on assets (ROA) | 0.4204% | 4,589 |
| Pretax return on assets | 0.4988% | 4,625 |
| Return on Equity (ROE) | 5.2215% | 3,980 |
| Retained earnings to average equity (ytd only) | 5.2215% | 2,296 |
| Net charge-offs to loans | 0.5272% | 3,518 |
| Credit loss provision to net charge-offs | 67.1492% | 5,928 |
| Earnings coverage of net charge-offs (x) | 1.6927% | 4,462 |
| Efficiency ratio | 83.9476% | 1,923 |
| Assets per employee ($millions) | 3.3530% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 4,111 |
| Loan loss allowance to noncurrent loans | 153.4884% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 1.3038% | 4,424 |
| Noncurrent loans to loans | 0.9661% | 5,119 |
| Net loans and leases to total assets | 78.0709% | 935 |
| Net loans and leases to deposits | 87.6291% | 1,844 |
| Net loans and leases to core deposits | 90.4635% | 2,700 |
| Total domestic deposits to total assets | 89.0924% | 1,597 |
| Equity capital to assets | 8.0347% | 6,462 |
| Core capital (leverage) ratio | 7.2815% | 6,853 |
| Tier 1 risk-based capital ratio | 9.4470% | 7,147 |
| Total risk-based capital ratio | 10.7046% | 7,153 |
| Memoranda: | ||
| Average total assets | $219,528,800 | 2,875 |
| Average earning assets | $203,966,400 | 2,819 |
| Average equity | $17,676,800 | 3,478 |
| Average total loans | $170,320,600 | 2,468 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5162% | 2,370 |
| Cost of funding earning assets | 1.3690% | 3,786 |
| Net interest margin | 4.1472% | 2,415 |
| Noninterest income to average assets | 0.4509% | 4,556 |
| Noninterest expense to average assets | 3.5995% | 1,795 |
| Loan and lease loss provision to assets | 0.1900% | 5,144 |
| Net operating income to assets | 0.4358% | 4,603 |
| Return on assets (ROA) | 0.4337% | 4,791 |
| Pretax return on assets | 0.5028% | 4,911 |
| Return on Equity (ROE) | 5.3837% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.3837% | 2,716 |
| Net charge-offs to loans | 0.4949% | 3,296 |
| Credit loss provision to net charge-offs | 49.7600% | 5,888 |
| Earnings coverage of net charge-offs (x) | 1.8208% | 4,346 |
| Efficiency ratio | 83.8122% | 1,856 |
| Assets per employee ($millions) | 3.2265% | 5,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5392% | 3,776 |
| Loan loss allowance to noncurrent loans | 166.6243% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 1.1692% | 4,785 |
| Noncurrent loans to loans | 0.9237% | 5,394 |
| Net loans and leases to total assets | 75.3116% | 1,526 |
| Net loans and leases to deposits | 84.5479% | 2,608 |
| Net loans and leases to core deposits | 87.2970% | 3,474 |
| Total domestic deposits to total assets | 89.0756% | 1,358 |
| Equity capital to assets | 8.1157% | 6,699 |
| Core capital (leverage) ratio | 8.0050% | 6,335 |
| Tier 1 risk-based capital ratio | 10.3486% | 6,863 |
| Total risk-based capital ratio | 11.6084% | 6,854 |
| Memoranda: | ||
| Average total assets | $218,248,250 | 2,943 |
| Average earning assets | $202,283,250 | 2,888 |
| Average equity | $17,583,500 | 3,536 |
| Average total loans | $168,394,000 | 2,538 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5563% | 2,306 |
| Cost of funding earning assets | 1.4217% | 3,739 |
| Net interest margin | 4.1346% | 2,399 |
| Noninterest income to average assets | 0.4474% | 4,542 |
| Noninterest expense to average assets | 3.6700% | 1,624 |
| Loan and lease loss provision to assets | 0.1790% | 5,081 |
| Net operating income to assets | 0.3881% | 4,803 |
| Return on assets (ROA) | 0.3856% | 4,985 |
| Pretax return on assets | 0.4271% | 5,132 |
| Return on Equity (ROE) | 4.7985% | 4,386 |
| Retained earnings to average equity (ytd only) | 4.7985% | 3,013 |
| Net charge-offs to loans | 0.6414% | 2,619 |
| Credit loss provision to net charge-offs | 36.0595% | 5,657 |
| Earnings coverage of net charge-offs (x) | 1.2268% | 4,584 |
| Efficiency ratio | 85.7697% | 1,741 |
| Assets per employee ($millions) | 3.1919% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5372% | 3,727 |
| Loan loss allowance to noncurrent loans | 151.0787% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 1.2555% | 4,637 |
| Noncurrent loans to loans | 1.0175% | 5,273 |
| Net loans and leases to total assets | 75.3539% | 1,616 |
| Net loans and leases to deposits | 84.5861% | 2,776 |
| Net loans and leases to core deposits | 87.2361% | 3,657 |
| Total domestic deposits to total assets | 89.0854% | 1,387 |
| Equity capital to assets | 8.0463% | 6,702 |
| Core capital (leverage) ratio | 7.9906% | 6,286 |
| Tier 1 risk-based capital ratio | 10.2471% | 6,883 |
| Total risk-based capital ratio | 11.5008% | 6,858 |
| Memoranda: | ||
| Average total assets | $216,787,330 | 2,974 |
| Average earning assets | $200,889,000 | 2,934 |
| Average equity | $17,422,000 | 3,566 |
| Average total loans | $167,762,670 | 2,584 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5823% | 2,232 |
| Cost of funding earning assets | 1.4669% | 3,764 |
| Net interest margin | 4.1154% | 2,375 |
| Noninterest income to average assets | 0.4334% | 4,627 |
| Noninterest expense to average assets | 3.8091% | 1,317 |
| Loan and lease loss provision to assets | 0.1618% | 4,909 |
| Net operating income to assets | 0.2827% | 5,360 |
| Return on assets (ROA) | 0.2827% | 5,493 |
| Pretax return on assets | 0.2715% | 5,684 |
| Return on Equity (ROE) | 3.5200% | 5,099 |
| Retained earnings to average equity (ytd only) | 3.5200% | 4,031 |
| Net charge-offs to loans | 0.3657% | 2,951 |
| Credit loss provision to net charge-offs | 56.8627% | 4,362 |
| Earnings coverage of net charge-offs (x) | 1.5229% | 3,820 |
| Efficiency ratio | 89.7852% | 1,449 |
| Assets per employee ($millions) | 3.1493% | 5,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6854% | 3,118 |
| Loan loss allowance to noncurrent loans | 140.3620% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 1.3783% | 4,444 |
| Noncurrent loans to loans | 1.2007% | 4,960 |
| Net loans and leases to total assets | 77.0183% | 1,325 |
| Net loans and leases to deposits | 86.5299% | 2,498 |
| Net loans and leases to core deposits | 89.4404% | 3,439 |
| Total domestic deposits to total assets | 89.0078% | 1,513 |
| Equity capital to assets | 8.0189% | 6,634 |
| Core capital (leverage) ratio | 7.9933% | 6,251 |
| Tier 1 risk-based capital ratio | 10.0717% | 6,983 |
| Total risk-based capital ratio | 11.3395% | 6,965 |
| Memoranda: | ||
| Average total assets | $215,062,000 | 3,046 |
| Average earning assets | $199,056,500 | 3,013 |
| Average equity | $17,272,500 | 3,610 |
| Average total loans | $167,369,500 | 2,656 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0813% | 1,569 |
| Cost of funding earning assets | 1.8355% | 3,808 |
| Net interest margin | 4.2458% | 1,911 |
| Noninterest income to average assets | 0.3934% | 5,259 |
| Noninterest expense to average assets | 3.8581% | 1,574 |
| Loan and lease loss provision to assets | 0.7406% | 2,890 |
| Net operating income to assets | -0.0650% | 5,612 |
| Return on assets (ROA) | 0.2895% | 4,659 |
| Pretax return on assets | 0.0857% | 5,254 |
| Return on Equity (ROE) | 3.6416% | 4,236 |
| Retained earnings to average equity (ytd only) | 2.9356% | 3,111 |
| Net charge-offs to loans | 0.7369% | 2,981 |
| Credit loss provision to net charge-offs | 127.7825% | 4,049 |
| Earnings coverage of net charge-offs (x) | 0.8139% | 5,295 |
| Efficiency ratio | 89.1050% | 1,785 |
| Assets per employee ($millions) | 2.9559% | 6,332 |
| Cash dividends to net income (ytd only)* | 19.3878% | 3,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7841% | 2,602 |
| Loan loss allowance to noncurrent loans | 158.8203% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 1.4077% | 4,305 |
| Noncurrent loans to loans | 1.1233% | 5,085 |
| Net loans and leases to total assets | 75.9192% | 1,818 |
| Net loans and leases to deposits | 85.7444% | 2,958 |
| Net loans and leases to core deposits | 103.7406% | 3,598 |
| Total domestic deposits to total assets | 88.5413% | 1,706 |
| Equity capital to assets | 8.0442% | 6,531 |
| Core capital (leverage) ratio | 8.0005% | 6,193 |
| Tier 1 risk-based capital ratio | 9.9855% | 6,884 |
| Total risk-based capital ratio | 11.2479% | 6,845 |
| Memoranda: | ||
| Average total assets | $203,077,000 | 3,147 |
| Average earning assets | $188,282,200 | 3,110 |
| Average equity | $16,146,600 | 3,843 |
| Average total loans | $159,729,200 | 2,765 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1906% | 1,398 |
| Cost of funding earning assets | 1.9230% | 3,760 |
| Net interest margin | 4.2676% | 1,812 |
| Noninterest income to average assets | 0.4678% | 4,762 |
| Noninterest expense to average assets | 3.8576% | 1,499 |
| Loan and lease loss provision to assets | 0.4240% | 3,781 |
| Net operating income to assets | 0.3263% | 4,696 |
| Return on assets (ROA) | 0.2512% | 5,067 |
| Pretax return on assets | 0.0738% | 5,573 |
| Return on Equity (ROE) | 3.1691% | 4,718 |
| Retained earnings to average equity (ytd only) | 3.1691% | 3,542 |
| Net charge-offs to loans | 0.7409% | 2,513 |
| Credit loss provision to net charge-offs | 72.4177% | 5,936 |
| Earnings coverage of net charge-offs (x) | 0.9784% | 5,076 |
| Efficiency ratio | 87.0706% | 1,957 |
| Assets per employee ($millions) | 2.9580% | 6,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4764% | 3,567 |
| Loan loss allowance to noncurrent loans | 109.5415% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 1.6532% | 3,887 |
| Noncurrent loans to loans | 1.3478% | 4,679 |
| Net loans and leases to total assets | 76.2220% | 1,951 |
| Net loans and leases to deposits | 87.3857% | 3,077 |
| Net loans and leases to core deposits | 109.8885% | 3,255 |
| Total domestic deposits to total assets | 87.2248% | 2,066 |
| Equity capital to assets | 8.5416% | 6,199 |
| Core capital (leverage) ratio | 8.2832% | 5,867 |
| Tier 1 risk-based capital ratio | 10.0312% | 6,945 |
| Total risk-based capital ratio | 11.3929% | 6,783 |
| Memoranda: | ||
| Average total assets | $200,640,000 | 3,199 |
| Average earning assets | $186,299,250 | 3,162 |
| Average equity | $15,903,250 | 3,929 |
| Average total loans | $158,534,000 | 2,821 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2695% | 1,280 |
| Cost of funding earning assets | 2.0406% | 3,572 |
| Net interest margin | 4.2288% | 1,880 |
| Noninterest income to average assets | 0.4665% | 4,734 |
| Noninterest expense to average assets | 3.9204% | 1,445 |
| Loan and lease loss provision to assets | 0.4917% | 3,075 |
| Net operating income to assets | 0.0093% | 5,808 |
| Return on assets (ROA) | -0.3879% | 6,443 |
| Pretax return on assets | -0.6388% | 6,558 |
| Return on Equity (ROE) | -5.0297% | 6,611 |
| Retained earnings to average equity (ytd only) | -5.0297% | 6,304 |
| Net charge-offs to loans | 1.0773% | 1,678 |
| Credit loss provision to net charge-offs | 57.3443% | 5,640 |
| Earnings coverage of net charge-offs (x) | 0.5523% | 5,157 |
| Efficiency ratio | 89.2227% | 1,884 |
| Assets per employee ($millions) | 3.0201% | 6,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 3,670 |
| Loan loss allowance to noncurrent loans | 99.6449% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 1.7223% | 3,601 |
| Noncurrent loans to loans | 1.4150% | 4,382 |
| Net loans and leases to total assets | 77.5793% | 1,845 |
| Net loans and leases to deposits | 90.5393% | 2,741 |
| Net loans and leases to core deposits | 111.9162% | 3,143 |
| Total domestic deposits to total assets | 85.6858% | 2,930 |
| Equity capital to assets | 8.2602% | 6,404 |
| Core capital (leverage) ratio | 8.0527% | 6,240 |
| Tier 1 risk-based capital ratio | 9.7925% | 7,146 |
| Total risk-based capital ratio | 11.1746% | 6,937 |
| Memoranda: | ||
| Average total assets | $198,501,000 | 3,244 |
| Average earning assets | $184,354,000 | 3,209 |
| Average equity | $15,309,000 | 4,063 |
| Average total loans | $157,982,670 | 2,855 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3003% | 1,297 |
| Cost of funding earning assets | 2.1249% | 3,538 |
| Net interest margin | 4.1755% | 1,992 |
| Noninterest income to average assets | 0.4273% | 4,984 |
| Noninterest expense to average assets | 3.7746% | 1,517 |
| Loan and lease loss provision to assets | 0.3052% | 3,505 |
| Net operating income to assets | 0.1826% | 5,710 |
| Return on assets (ROA) | -0.5840% | 7,001 |
| Pretax return on assets | -0.7447% | 6,995 |
| Return on Equity (ROE) | -7.8595% | 7,229 |
| Retained earnings to average equity (ytd only) | -7.8595% | 6,900 |
| Net charge-offs to loans | 0.1017% | 4,158 |
| Credit loss provision to net charge-offs | 375.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | 6.6750% | 2,457 |
| Efficiency ratio | 87.4175% | 1,942 |
| Assets per employee ($millions) | 3.0620% | 5,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7095% | 2,112 |
| Loan loss allowance to noncurrent loans | 65.8271% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 2.1499% | 2,673 |
| Noncurrent loans to loans | 2.5969% | 2,539 |
| Net loans and leases to total assets | 78.5199% | 1,692 |
| Net loans and leases to deposits | 91.3725% | 2,716 |
| Net loans and leases to core deposits | 114.1314% | 3,000 |
| Total domestic deposits to total assets | 85.9338% | 2,764 |
| Equity capital to assets | 7.8149% | 7,042 |
| Core capital (leverage) ratio | 7.9535% | 6,541 |
| Tier 1 risk-based capital ratio | 9.4407% | 7,478 |
| Total risk-based capital ratio | 10.6957% | 7,424 |
| Memoranda: | ||
| Average total assets | $196,579,500 | 3,277 |
| Average earning assets | $183,165,000 | 3,247 |
| Average equity | $14,606,500 | 4,208 |
| Average total loans | $157,363,000 | 2,889 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7629% | 1,811 |
| Cost of funding earning assets | 2.6117% | 3,627 |
| Net interest margin | 4.1513% | 2,494 |
| Noninterest income to average assets | 0.3675% | 5,764 |
| Noninterest expense to average assets | 3.5396% | 2,290 |
| Loan and lease loss provision to assets | 0.2875% | 4,087 |
| Net operating income to assets | 0.3796% | 5,225 |
| Return on assets (ROA) | -0.5500% | 6,844 |
| Pretax return on assets | -1.0574% | 7,037 |
| Return on Equity (ROE) | -7.7762% | 7,113 |
| Retained earnings to average equity (ytd only) | -9.1065% | 6,981 |
| Net charge-offs to loans | 0.1008% | 5,306 |
| Credit loss provision to net charge-offs | 376.1905% | 1,167 |
| Earnings coverage of net charge-offs (x) | 8.9320% | 2,791 |
| Efficiency ratio | 83.8340% | 2,074 |
| Assets per employee ($millions) | 3.1311% | 5,683 |
| Cash dividends to net income (ytd only)* | -17.1078% | 7,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 1,983 |
| Loan loss allowance to noncurrent loans | 64.2840% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 2.0899% | 2,358 |
| Noncurrent loans to loans | 2.6052% | 2,081 |
| Net loans and leases to total assets | 78.8763% | 1,918 |
| Net loans and leases to deposits | 93.9715% | 2,765 |
| Net loans and leases to core deposits | 116.3631% | 3,084 |
| Total domestic deposits to total assets | 83.9364% | 3,358 |
| Equity capital to assets | 7.0361% | 7,718 |
| Core capital (leverage) ratio | 7.0082% | 7,688 |
| Tier 1 risk-based capital ratio | 8.5522% | 7,978 |
| Total risk-based capital ratio | 9.8070% | 8,037 |
| Memoranda: | ||
| Average total assets | $192,366,400 | 3,236 |
| Average earning assets | $178,620,600 | 3,198 |
| Average equity | $13,605,600 | 4,422 |
| Average total loans | $145,905,400 | 2,993 |