Home > Heritage Bank > Performance and Condition Ratios
Heritage Bank, Performance and Condition Ratios
| 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 | 3.3039% | 5,343 |
| Cost of funding earning assets | 0.2368% | 4,928 |
| Net interest margin | 3.0671% | 4,987 |
| Noninterest income to average assets | 0.2743% | 4,922 |
| Noninterest expense to average assets | 2.1758% | 5,103 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6815% | 3,898 |
| Return on assets (ROA) | 0.7158% | 3,841 |
| Pretax return on assets | 1.0033% | 3,464 |
| Return on Equity (ROE) | 6.6799% | 3,693 |
| Retained earnings to average equity (ytd only) | -0.1055% | 5,528 |
| Net charge-offs to loans | 0.0058% | 4,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 240.4615% | 293 |
| Efficiency ratio | 69.4965% | 3,304 |
| Assets per employee ($millions) | 8.2376% | 510 |
| Cash dividends to net income (ytd only)* | 101.5792% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 5,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 67.0064% | 2,855 |
| Net loans and leases to deposits | 77.7184% | 3,086 |
| Net loans and leases to core deposits | 77.7184% | 3,576 |
| Total domestic deposits to total assets | 86.2168% | 2,527 |
| Equity capital to assets | 11.1454% | 2,683 |
| Core capital (leverage) ratio | 10.5591% | 2,873 |
| Tier 1 risk-based capital ratio | 13.9428% | 3,743 |
| Total risk-based capital ratio | 14.7104% | 3,963 |
| Memoranda: | ||
| Average total assets | $327,320,600 | 2,011 |
| Average earning assets | $304,851,200 | 1,997 |
| Average equity | $35,075,400 | 2,034 |
| Average total loans | $222,598,000 | 1,909 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2671% | 5,470 |
| Cost of funding earning assets | 0.2342% | 5,053 |
| Net interest margin | 3.0329% | 5,120 |
| Noninterest income to average assets | 0.1725% | 5,616 |
| Noninterest expense to average assets | 2.1593% | 5,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6111% | 4,330 |
| Return on assets (ROA) | 0.6576% | 4,208 |
| Pretax return on assets | 0.8994% | 3,984 |
| Return on Equity (ROE) | 6.1954% | 4,057 |
| Retained earnings to average equity (ytd only) | 0.2050% | 5,546 |
| Net charge-offs to loans | -0.0024% | 4,723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0974% | 2,865 |
| Assets per employee ($millions) | 8.8776% | 387 |
| Cash dividends to net income (ytd only)* | 96.6911% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 5,255 |
| Loan loss allowance to noncurrent loans | 10,816.6667% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 4,862 |
| Noncurrent loans to loans | 0.0082% | 5,614 |
| Net loans and leases to total assets | 64.6290% | 3,207 |
| Net loans and leases to deposits | 72.8332% | 3,667 |
| Net loans and leases to core deposits | 72.8332% | 4,114 |
| Total domestic deposits to total assets | 88.7356% | 1,158 |
| Equity capital to assets | 10.4415% | 3,660 |
| Core capital (leverage) ratio | 10.9348% | 2,562 |
| Tier 1 risk-based capital ratio | 13.4256% | 4,181 |
| Total risk-based capital ratio | 14.1697% | 4,394 |
| Memoranda: | ||
| Average total assets | $330,894,000 | 1,999 |
| Average earning assets | $307,949,500 | 1,989 |
| Average equity | $35,122,250 | 2,044 |
| Average total loans | $225,328,000 | 1,900 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3154% | 5,409 |
| Cost of funding earning assets | 0.2416% | 5,037 |
| Net interest margin | 3.0738% | 5,030 |
| Noninterest income to average assets | 0.1703% | 5,682 |
| Noninterest expense to average assets | 2.2577% | 4,955 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5526% | 4,550 |
| Return on assets (ROA) | 0.6218% | 4,367 |
| Pretax return on assets | 0.8645% | 4,085 |
| Return on Equity (ROE) | 5.8253% | 4,219 |
| Retained earnings to average equity (ytd only) | -0.1197% | 5,530 |
| Net charge-offs to loans | -0.0035% | 4,662 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6080% | 2,593 |
| Assets per employee ($millions) | 8.5168% | 436 |
| Cash dividends to net income (ytd only)* | 102.0548% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8794% | 5,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 4,955 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 67.8078% | 2,674 |
| Net loans and leases to deposits | 77.1064% | 3,144 |
| Net loans and leases to core deposits | 77.1064% | 3,652 |
| Total domestic deposits to total assets | 87.9405% | 1,678 |
| Equity capital to assets | 10.8226% | 3,085 |
| Core capital (leverage) ratio | 10.9130% | 2,510 |
| Tier 1 risk-based capital ratio | 13.2924% | 4,351 |
| Total risk-based capital ratio | 14.0312% | 4,550 |
| Memoranda: | ||
| Average total assets | $328,743,000 | 2,024 |
| Average earning assets | $305,422,670 | 2,019 |
| Average equity | $35,088,330 | 2,045 |
| Average total loans | $227,113,670 | 1,906 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3317% | 5,367 |
| Cost of funding earning assets | 0.2561% | 4,949 |
| Net interest margin | 3.0756% | 5,017 |
| Noninterest income to average assets | 0.1630% | 5,757 |
| Noninterest expense to average assets | 2.2940% | 4,900 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5190% | 4,587 |
| Return on assets (ROA) | 0.6544% | 4,148 |
| Pretax return on assets | 0.9164% | 3,826 |
| Return on Equity (ROE) | 6.1732% | 3,946 |
| Retained earnings to average equity (ytd only) | 0.4784% | 5,227 |
| Net charge-offs to loans | -0.0052% | 4,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9696% | 2,520 |
| Assets per employee ($millions) | 8.3269% | 475 |
| Cash dividends to net income (ytd only)* | 92.2509% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 5,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2288% | 5,019 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 71.2560% | 1,937 |
| Net loans and leases to deposits | 83.8520% | 2,100 |
| Net loans and leases to core deposits | 83.8520% | 2,791 |
| Total domestic deposits to total assets | 84.9782% | 3,419 |
| Equity capital to assets | 10.8407% | 3,152 |
| Core capital (leverage) ratio | 10.2744% | 3,247 |
| Tier 1 risk-based capital ratio | 13.0222% | 4,592 |
| Total risk-based capital ratio | 13.7447% | 4,823 |
| Memoranda: | ||
| Average total assets | $331,296,000 | 2,013 |
| Average earning assets | $307,712,500 | 2,002 |
| Average equity | $35,119,500 | 2,059 |
| Average total loans | $229,971,500 | 1,872 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3294% | 5,660 |
| Cost of funding earning assets | 0.2897% | 4,905 |
| Net interest margin | 3.0398% | 5,347 |
| Noninterest income to average assets | 0.3809% | 4,339 |
| Noninterest expense to average assets | 2.0986% | 5,573 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8366% | 3,190 |
| Return on assets (ROA) | 0.8822% | 3,048 |
| Pretax return on assets | 1.1537% | 2,857 |
| Return on Equity (ROE) | 8.3170% | 2,955 |
| Retained earnings to average equity (ytd only) | 0.5514% | 5,525 |
| Net charge-offs to loans | -0.0058% | 5,482 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7395% | 4,299 |
| Assets per employee ($millions) | 8.6626% | 408 |
| Cash dividends to net income (ytd only)* | 93.3700% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8575% | 5,613 |
| Loan loss allowance to noncurrent loans | 1,033.5106% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.2756% | 4,931 |
| Noncurrent loans to loans | 0.0830% | 5,554 |
| Net loans and leases to total assets | 66.4957% | 2,810 |
| Net loans and leases to deposits | 84.0587% | 2,210 |
| Net loans and leases to core deposits | 84.0587% | 2,895 |
| Total domestic deposits to total assets | 79.1063% | 5,233 |
| Equity capital to assets | 10.3699% | 3,644 |
| Core capital (leverage) ratio | 10.3114% | 3,153 |
| Tier 1 risk-based capital ratio | 13.3390% | 4,523 |
| Total risk-based capital ratio | 14.0794% | 4,751 |
| Memoranda: | ||
| Average total assets | $329,982,200 | 1,968 |
| Average earning assets | $305,185,800 | 1,967 |
| Average equity | $35,000,800 | 1,997 |
| Average total loans | $222,752,000 | 1,882 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3209% | 5,727 |
| Cost of funding earning assets | 0.2971% | 4,911 |
| Net interest margin | 3.0238% | 5,454 |
| Noninterest income to average assets | 0.4418% | 3,947 |
| Noninterest expense to average assets | 2.1088% | 5,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8786% | 3,028 |
| Return on assets (ROA) | 0.9414% | 2,812 |
| Pretax return on assets | 1.2056% | 2,754 |
| Return on Equity (ROE) | 8.8245% | 2,770 |
| Retained earnings to average equity (ytd only) | 3.0291% | 4,461 |
| Net charge-offs to loans | -0.0054% | 5,309 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2086% | 4,332 |
| Assets per employee ($millions) | 8.6602% | 388 |
| Cash dividends to net income (ytd only)* | 65.6737% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8612% | 5,714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 5,339 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 66.0861% | 2,856 |
| Net loans and leases to deposits | 81.4443% | 2,497 |
| Net loans and leases to core deposits | 81.4443% | 3,155 |
| Total domestic deposits to total assets | 81.1426% | 4,787 |
| Equity capital to assets | 10.5055% | 3,549 |
| Core capital (leverage) ratio | 10.6263% | 2,895 |
| Tier 1 risk-based capital ratio | 13.6231% | 4,462 |
| Total risk-based capital ratio | 14.3653% | 4,720 |
| Memoranda: | ||
| Average total assets | $328,017,000 | 1,989 |
| Average earning assets | $302,879,500 | 1,996 |
| Average equity | $34,992,500 | 2,004 |
| Average total loans | $221,791,500 | 1,902 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2869% | 5,815 |
| Cost of funding earning assets | 0.2956% | 5,010 |
| Net interest margin | 2.9913% | 5,550 |
| Noninterest income to average assets | 0.1798% | 5,870 |
| Noninterest expense to average assets | 2.0962% | 5,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6115% | 4,302 |
| Return on assets (ROA) | 0.6115% | 4,395 |
| Pretax return on assets | 0.8443% | 4,104 |
| Return on Equity (ROE) | 5.7021% | 4,326 |
| Retained earnings to average equity (ytd only) | 1.0795% | 5,324 |
| Net charge-offs to loans | -0.0054% | 5,190 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2880% | 3,457 |
| Assets per employee ($millions) | 8.4216% | 416 |
| Cash dividends to net income (ytd only)* | 81.0675% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 5,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 5,446 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 66.5971% | 2,657 |
| Net loans and leases to deposits | 82.0038% | 2,249 |
| Net loans and leases to core deposits | 82.0038% | 2,970 |
| Total domestic deposits to total assets | 81.2122% | 4,913 |
| Equity capital to assets | 10.3971% | 3,567 |
| Core capital (leverage) ratio | 10.5994% | 2,824 |
| Tier 1 risk-based capital ratio | 13.3370% | 4,697 |
| Total risk-based capital ratio | 14.0763% | 4,957 |
| Memoranda: | ||
| Average total assets | $324,774,000 | 2,007 |
| Average earning assets | $299,737,330 | 2,007 |
| Average equity | $34,829,330 | 2,002 |
| Average total loans | $220,674,670 | 1,902 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2941% | 5,856 |
| Cost of funding earning assets | 0.2976% | 5,089 |
| Net interest margin | 2.9965% | 5,529 |
| Noninterest income to average assets | 0.1782% | 5,898 |
| Noninterest expense to average assets | 2.2125% | 5,430 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5371% | 4,516 |
| Return on assets (ROA) | 0.5371% | 4,590 |
| Pretax return on assets | 0.7329% | 4,375 |
| Return on Equity (ROE) | 4.9292% | 4,586 |
| Retained earnings to average equity (ytd only) | 1.7621% | 4,901 |
| Net charge-offs to loans | -0.0055% | 4,844 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1172% | 2,947 |
| Assets per employee ($millions) | 8.5109% | 398 |
| Cash dividends to net income (ytd only)* | 64.2523% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8891% | 5,893 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 5,535 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 64.9157% | 2,741 |
| Net loans and leases to deposits | 79.1333% | 2,415 |
| Net loans and leases to core deposits | 79.1333% | 3,072 |
| Total domestic deposits to total assets | 82.0333% | 4,939 |
| Equity capital to assets | 10.4984% | 3,247 |
| Core capital (leverage) ratio | 10.8376% | 2,554 |
| Tier 1 risk-based capital ratio | 13.7686% | 4,492 |
| Total risk-based capital ratio | 14.5319% | 4,766 |
| Memoranda: | ||
| Average total assets | $318,729,500 | 2,051 |
| Average earning assets | $294,344,000 | 2,049 |
| Average equity | $34,732,000 | 1,998 |
| Average total loans | $217,873,500 | 1,909 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5867% | 5,443 |
| Cost of funding earning assets | 0.3000% | 5,596 |
| Net interest margin | 3.2867% | 4,714 |
| Noninterest income to average assets | 0.3352% | 4,932 |
| Noninterest expense to average assets | 2.2112% | 5,599 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8240% | 3,166 |
| Return on assets (ROA) | 0.8222% | 3,271 |
| Pretax return on assets | 1.1422% | 2,799 |
| Return on Equity (ROE) | 7.5699% | 3,266 |
| Retained earnings to average equity (ytd only) | 0.5413% | 5,599 |
| Net charge-offs to loans | 0.0661% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 25.1103% | 1,342 |
| Efficiency ratio | 65.8891% | 4,582 |
| Assets per employee ($millions) | 7.4520% | 616 |
| Cash dividends to net income (ytd only)* | 92.8489% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8839% | 5,970 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 5,541 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 70.8310% | 1,873 |
| Net loans and leases to deposits | 81.7933% | 2,205 |
| Net loans and leases to core deposits | 81.7933% | 2,919 |
| Total domestic deposits to total assets | 86.5975% | 2,940 |
| Equity capital to assets | 11.3300% | 2,314 |
| Core capital (leverage) ratio | 11.0852% | 2,312 |
| Tier 1 risk-based capital ratio | 13.9311% | 4,339 |
| Total risk-based capital ratio | 14.7061% | 4,617 |
| Memoranda: | ||
| Average total assets | $318,062,600 | 2,022 |
| Average earning assets | $292,328,600 | 2,027 |
| Average equity | $34,544,800 | 1,993 |
| Average total loans | $219,294,400 | 1,866 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6109% | 5,412 |
| Cost of funding earning assets | 0.2978% | 5,757 |
| Net interest margin | 3.3132% | 4,592 |
| Noninterest income to average assets | 0.2333% | 5,766 |
| Noninterest expense to average assets | 2.1644% | 5,691 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8006% | 3,339 |
| Return on assets (ROA) | 0.7983% | 3,484 |
| Pretax return on assets | 1.1092% | 3,074 |
| Return on Equity (ROE) | 7.4260% | 3,420 |
| Retained earnings to average equity (ytd only) | 0.7685% | 5,668 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0502% | 4,466 |
| Assets per employee ($millions) | 7.5349% | 575 |
| Cash dividends to net income (ytd only)* | 89.6515% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 5,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 5,166 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 69.0987% | 2,121 |
| Net loans and leases to deposits | 78.7253% | 2,555 |
| Net loans and leases to core deposits | 78.7253% | 3,269 |
| Total domestic deposits to total assets | 87.7719% | 2,263 |
| Equity capital to assets | 11.2210% | 2,540 |
| Core capital (leverage) ratio | 10.9649% | 2,516 |
| Tier 1 risk-based capital ratio | 13.9770% | 4,450 |
| Total risk-based capital ratio | 14.8133% | 4,674 |
| Memoranda: | ||
| Average total assets | $321,195,000 | 2,010 |
| Average earning assets | $295,058,250 | 2,014 |
| Average equity | $34,526,750 | 2,010 |
| Average total loans | $219,532,500 | 1,865 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6031% | 5,421 |
| Cost of funding earning assets | 0.2939% | 5,876 |
| Net interest margin | 3.3092% | 4,541 |
| Noninterest income to average assets | 0.1193% | 6,457 |
| Noninterest expense to average assets | 2.1458% | 5,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7281% | 3,681 |
| Return on assets (ROA) | 0.7298% | 3,836 |
| Pretax return on assets | 1.0219% | 3,408 |
| Return on Equity (ROE) | 6.8850% | 3,676 |
| Retained earnings to average equity (ytd only) | 0.2262% | 5,788 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7933% | 4,219 |
| Assets per employee ($millions) | 7.2830% | 634 |
| Cash dividends to net income (ytd only)* | 96.7144% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 6,031 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 5,268 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 68.4322% | 2,163 |
| Net loans and leases to deposits | 77.7823% | 2,592 |
| Net loans and leases to core deposits | 77.7823% | 3,325 |
| Total domestic deposits to total assets | 87.9791% | 2,259 |
| Equity capital to assets | 10.7571% | 2,991 |
| Core capital (leverage) ratio | 10.8041% | 2,559 |
| Tier 1 risk-based capital ratio | 13.7212% | 4,631 |
| Total risk-based capital ratio | 14.5467% | 4,863 |
| Memoranda: | ||
| Average total assets | $325,283,670 | 1,998 |
| Average earning assets | $299,411,330 | 1,990 |
| Average equity | $34,480,670 | 2,015 |
| Average total loans | $220,863,000 | 1,850 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5169% | 5,666 |
| Cost of funding earning assets | 0.3048% | 5,935 |
| Net interest margin | 3.2121% | 4,889 |
| Noninterest income to average assets | 0.0403% | 6,759 |
| Noninterest expense to average assets | 2.1874% | 5,725 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5897% | 4,271 |
| Return on assets (ROA) | 0.5932% | 4,398 |
| Pretax return on assets | 0.8166% | 4,110 |
| Return on Equity (ROE) | 5.6372% | 4,233 |
| Retained earnings to average equity (ytd only) | -0.2900% | 5,833 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9345% | 3,453 |
| Assets per employee ($millions) | 7.2902% | 674 |
| Cash dividends to net income (ytd only)* | 105.1440% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 6,130 |
| Loan loss allowance to noncurrent loans | 427.8351% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.5540% | 5,010 |
| Noncurrent loans to loans | 0.2223% | 5,855 |
| Net loans and leases to total assets | 67.3730% | 2,124 |
| Net loans and leases to deposits | 76.3403% | 2,583 |
| Net loans and leases to core deposits | 76.3403% | 3,269 |
| Total domestic deposits to total assets | 88.2535% | 2,158 |
| Equity capital to assets | 10.7430% | 3,270 |
| Core capital (leverage) ratio | 10.5694% | 2,686 |
| Tier 1 risk-based capital ratio | 13.9030% | 4,578 |
| Total risk-based capital ratio | 14.7416% | 4,837 |
| Memoranda: | ||
| Average total assets | $327,700,500 | 2,010 |
| Average earning assets | $301,857,500 | 1,999 |
| Average equity | $34,485,500 | 2,050 |
| Average total loans | $220,611,500 | 1,864 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9852% | 5,362 |
| Cost of funding earning assets | 0.3423% | 6,262 |
| Net interest margin | 3.6429% | 3,908 |
| Noninterest income to average assets | 0.2532% | 5,653 |
| Noninterest expense to average assets | 2.5466% | 4,940 |
| Loan and lease loss provision to assets | 0.0113% | 5,774 |
| Net operating income to assets | 0.7315% | 3,600 |
| Return on assets (ROA) | 0.7973% | 3,546 |
| Pretax return on assets | 1.1145% | 3,110 |
| Return on Equity (ROE) | 7.1458% | 3,556 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,830 |
| Net charge-offs to loans | 0.0234% | 5,572 |
| Credit loss provision to net charge-offs | 68.6275% | 4,212 |
| Earnings coverage of net charge-offs (x) | 63.0392% | 569 |
| Efficiency ratio | 71.1141% | 3,606 |
| Assets per employee ($millions) | 6.8292% | 842 |
| Cash dividends to net income (ytd only)* | 100.0000% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 6,194 |
| Loan loss allowance to noncurrent loans | 425.2049% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.2086% | 6,041 |
| Noncurrent loans to loans | 0.2188% | 5,927 |
| Net loans and leases to total assets | 66.0311% | 2,519 |
| Net loans and leases to deposits | 74.7645% | 2,992 |
| Net loans and leases to core deposits | 74.7645% | 3,687 |
| Total domestic deposits to total assets | 88.3188% | 2,014 |
| Equity capital to assets | 10.3131% | 3,739 |
| Core capital (leverage) ratio | 10.3291% | 2,975 |
| Tier 1 risk-based capital ratio | 13.8640% | 4,483 |
| Total risk-based capital ratio | 14.7002% | 4,746 |
| Memoranda: | ||
| Average total assets | $310,811,200 | 2,070 |
| Average earning assets | $283,924,400 | 2,082 |
| Average equity | $34,677,600 | 1,999 |
| Average total loans | $217,801,400 | 1,858 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1471% | 5,003 |
| Cost of funding earning assets | 0.3481% | 6,384 |
| Net interest margin | 3.7989% | 3,339 |
| Noninterest income to average assets | 0.2672% | 5,644 |
| Noninterest expense to average assets | 2.6202% | 4,671 |
| Loan and lease loss provision to assets | 0.0153% | 5,616 |
| Net operating income to assets | 0.7756% | 3,570 |
| Return on assets (ROA) | 0.8638% | 3,402 |
| Pretax return on assets | 1.2158% | 2,932 |
| Return on Equity (ROE) | 7.5845% | 3,490 |
| Retained earnings to average equity (ytd only) | 0.7873% | 5,844 |
| Net charge-offs to loans | 0.0314% | 5,203 |
| Credit loss provision to net charge-offs | 68.6275% | 3,943 |
| Earnings coverage of net charge-offs (x) | 49.6262% | 757 |
| Efficiency ratio | 70.3004% | 3,635 |
| Assets per employee ($millions) | 6.3418% | 1,038 |
| Cash dividends to net income (ytd only)* | 89.6201% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 6,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 6,231 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 68.5709% | 2,200 |
| Net loans and leases to deposits | 78.0086% | 2,657 |
| Net loans and leases to core deposits | 78.0086% | 3,459 |
| Total domestic deposits to total assets | 87.9017% | 2,102 |
| Equity capital to assets | 11.1679% | 3,073 |
| Core capital (leverage) ratio | 10.9377% | 2,453 |
| Tier 1 risk-based capital ratio | 14.5459% | 4,152 |
| Total risk-based capital ratio | 15.4187% | 4,368 |
| Memoranda: | ||
| Average total assets | $304,855,750 | 2,128 |
| Average earning assets | $277,650,500 | 2,134 |
| Average equity | $34,719,250 | 2,009 |
| Average total loans | $216,492,500 | 1,880 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2898% | 4,612 |
| Cost of funding earning assets | 0.3574% | 6,477 |
| Net interest margin | 3.9325% | 2,782 |
| Noninterest income to average assets | 0.2470% | 5,812 |
| Noninterest expense to average assets | 2.6326% | 4,675 |
| Loan and lease loss provision to assets | 0.0231% | 5,376 |
| Net operating income to assets | 0.8326% | 3,229 |
| Return on assets (ROA) | 0.8326% | 3,497 |
| Pretax return on assets | 1.1661% | 3,055 |
| Return on Equity (ROE) | 7.2629% | 3,637 |
| Retained earnings to average equity (ytd only) | 0.3513% | 5,929 |
| Net charge-offs to loans | 0.0101% | 5,320 |
| Credit loss provision to net charge-offs | 318.1818% | 928 |
| Earnings coverage of net charge-offs (x) | 163.7273% | 279 |
| Efficiency ratio | 68.8839% | 3,964 |
| Assets per employee ($millions) | 5.8663% | 1,319 |
| Cash dividends to net income (ytd only)* | 95.1626% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 6,260 |
| Loan loss allowance to noncurrent loans | 1,521.5827% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.5806% | 5,317 |
| Noncurrent loans to loans | 0.0637% | 6,508 |
| Net loans and leases to total assets | 69.4627% | 2,013 |
| Net loans and leases to deposits | 79.2284% | 2,491 |
| Net loans and leases to core deposits | 79.2284% | 3,333 |
| Total domestic deposits to total assets | 87.6740% | 2,353 |
| Equity capital to assets | 11.1810% | 2,913 |
| Core capital (leverage) ratio | 11.2043% | 2,119 |
| Tier 1 risk-based capital ratio | 14.3584% | 4,206 |
| Total risk-based capital ratio | 15.2411% | 4,420 |
| Memoranda: | ||
| Average total assets | $302,892,000 | 2,137 |
| Average earning assets | $275,348,330 | 2,151 |
| Average equity | $34,724,330 | 1,989 |
| Average total loans | $216,937,670 | 1,881 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4395% | 4,160 |
| Cost of funding earning assets | 0.3837% | 6,490 |
| Net interest margin | 4.0558% | 2,273 |
| Noninterest income to average assets | 0.2382% | 5,929 |
| Noninterest expense to average assets | 2.6592% | 4,586 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8940% | 2,945 |
| Return on assets (ROA) | 0.8940% | 3,165 |
| Pretax return on assets | 1.2567% | 2,703 |
| Return on Equity (ROE) | 7.6992% | 3,411 |
| Retained earnings to average equity (ytd only) | 0.7837% | 5,746 |
| Net charge-offs to loans | -0.0351% | 6,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9084% | 4,190 |
| Assets per employee ($millions) | 5.7401% | 1,487 |
| Cash dividends to net income (ytd only)* | 89.8204% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 6,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 5,496 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 70.7846% | 1,615 |
| Net loans and leases to deposits | 83.7261% | 1,697 |
| Net loans and leases to core deposits | 83.7261% | 2,578 |
| Total domestic deposits to total assets | 84.5431% | 4,251 |
| Equity capital to assets | 11.3971% | 2,528 |
| Core capital (leverage) ratio | 11.6006% | 1,833 |
| Tier 1 risk-based capital ratio | 14.0677% | 4,424 |
| Total risk-based capital ratio | 14.9310% | 4,675 |
| Memoranda: | ||
| Average total assets | $298,882,000 | 2,173 |
| Average earning assets | $271,019,000 | 2,193 |
| Average equity | $34,705,000 | 1,990 |
| Average total loans | $216,365,000 | 1,890 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7744% | 3,928 |
| Cost of funding earning assets | 0.4892% | 6,579 |
| Net interest margin | 4.2852% | 1,749 |
| Noninterest income to average assets | 0.2371% | 5,843 |
| Noninterest expense to average assets | 2.8864% | 4,013 |
| Loan and lease loss provision to assets | -0.0053% | 7,212 |
| Net operating income to assets | 0.8789% | 2,699 |
| Return on assets (ROA) | 0.9000% | 2,737 |
| Pretax return on assets | 1.3321% | 2,007 |
| Return on Equity (ROE) | 7.3157% | 3,237 |
| Retained earnings to average equity (ytd only) | 0.9391% | 5,419 |
| Net charge-offs to loans | -0.0074% | 6,862 |
| Credit loss provision to net charge-offs | 93.7500% | 3,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0170% | 4,145 |
| Assets per employee ($millions) | 5.4359% | 1,707 |
| Cash dividends to net income (ytd only)* | 87.1632% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 6,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5856% | 5,503 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 72.6256% | 1,530 |
| Net loans and leases to deposits | 85.0734% | 1,798 |
| Net loans and leases to core deposits | 85.0734% | 2,743 |
| Total domestic deposits to total assets | 85.3681% | 3,660 |
| Equity capital to assets | 11.8339% | 2,253 |
| Core capital (leverage) ratio | 11.2371% | 2,095 |
| Tier 1 risk-based capital ratio | 14.3944% | 4,048 |
| Total risk-based capital ratio | 15.2720% | 4,266 |
| Memoranda: | ||
| Average total assets | $280,458,000 | 2,264 |
| Average earning assets | $258,189,400 | 2,248 |
| Average equity | $34,501,200 | 1,944 |
| Average total loans | $216,336,400 | 1,899 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7981% | 4,027 |
| Cost of funding earning assets | 0.4991% | 6,695 |
| Net interest margin | 4.2990% | 1,719 |
| Noninterest income to average assets | 0.2357% | 5,937 |
| Noninterest expense to average assets | 2.9072% | 3,902 |
| Loan and lease loss provision to assets | 0.0212% | 6,176 |
| Net operating income to assets | 0.8502% | 2,939 |
| Return on assets (ROA) | 0.8778% | 2,975 |
| Pretax return on assets | 1.3228% | 2,211 |
| Return on Equity (ROE) | 7.0648% | 3,497 |
| Retained earnings to average equity (ytd only) | 0.8710% | 5,660 |
| Net charge-offs to loans | -0.0117% | 6,805 |
| Credit loss provision to net charge-offs | -231.5789% | 6,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0664% | 4,114 |
| Assets per employee ($millions) | 5.2190% | 1,908 |
| Cash dividends to net income (ytd only)* | 87.6713% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 6,303 |
| Loan loss allowance to noncurrent loans | 146.9625% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5893% | 5,643 |
| Noncurrent loans to loans | 0.6767% | 5,532 |
| Net loans and leases to total assets | 72.0523% | 1,690 |
| Net loans and leases to deposits | 82.8663% | 2,195 |
| Net loans and leases to core deposits | 82.8663% | 3,210 |
| Total domestic deposits to total assets | 86.9501% | 2,687 |
| Equity capital to assets | 11.6246% | 2,562 |
| Core capital (leverage) ratio | 11.8336% | 1,804 |
| Tier 1 risk-based capital ratio | 14.7796% | 3,788 |
| Total risk-based capital ratio | 15.7101% | 3,973 |
| Memoranda: | ||
| Average total assets | $277,188,250 | 2,300 |
| Average earning assets | $256,206,500 | 2,278 |
| Average equity | $34,442,250 | 1,951 |
| Average total loans | $216,602,000 | 1,907 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9119% | 3,563 |
| Cost of funding earning assets | 0.5127% | 6,806 |
| Net interest margin | 4.3992% | 1,371 |
| Noninterest income to average assets | 0.2344% | 5,967 |
| Noninterest expense to average assets | 2.9753% | 3,733 |
| Loan and lease loss provision to assets | 0.0081% | 6,159 |
| Net operating income to assets | 0.8814% | 2,731 |
| Return on assets (ROA) | 0.9245% | 2,645 |
| Pretax return on assets | 1.3771% | 1,870 |
| Return on Equity (ROE) | 7.2683% | 3,311 |
| Retained earnings to average equity (ytd only) | 1.4537% | 5,263 |
| Net charge-offs to loans | -0.0443% | 7,006 |
| Credit loss provision to net charge-offs | -22.9167% | 6,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2546% | 4,273 |
| Assets per employee ($millions) | 4.8400% | 2,359 |
| Cash dividends to net income (ytd only)* | 80.0000% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 6,371 |
| Loan loss allowance to noncurrent loans | 146.2900% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 5,668 |
| Noncurrent loans to loans | 0.6773% | 5,551 |
| Net loans and leases to total assets | 77.8354% | 801 |
| Net loans and leases to deposits | 90.9242% | 1,168 |
| Net loans and leases to core deposits | 90.9242% | 2,267 |
| Total domestic deposits to total assets | 85.6047% | 3,559 |
| Equity capital to assets | 12.4851% | 1,787 |
| Core capital (leverage) ratio | 12.3577% | 1,422 |
| Tier 1 risk-based capital ratio | 14.8891% | 3,559 |
| Total risk-based capital ratio | 15.8255% | 3,714 |
| Memoranda: | ||
| Average total assets | $270,424,000 | 2,363 |
| Average earning assets | $249,679,330 | 2,332 |
| Average equity | $34,396,000 | 1,939 |
| Average total loans | $216,637,670 | 1,931 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9383% | 3,372 |
| Cost of funding earning assets | 0.5191% | 6,903 |
| Net interest margin | 4.4193% | 1,240 |
| Noninterest income to average assets | 0.2525% | 5,878 |
| Noninterest expense to average assets | 2.9930% | 3,677 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9025% | 2,552 |
| Return on assets (ROA) | 0.9025% | 2,615 |
| Pretax return on assets | 1.3433% | 1,900 |
| Return on Equity (ROE) | 7.0290% | 3,362 |
| Retained earnings to average equity (ytd only) | 2.3740% | 4,725 |
| Net charge-offs to loans | -0.0055% | 6,254 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0214% | 4,474 |
| Assets per employee ($millions) | 4.7580% | 2,488 |
| Cash dividends to net income (ytd only)* | 66.2252% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 6,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 6,921 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 79.0943% | 610 |
| Net loans and leases to deposits | 94.5781% | 776 |
| Net loans and leases to core deposits | 94.5781% | 1,821 |
| Total domestic deposits to total assets | 83.6286% | 4,656 |
| Equity capital to assets | 12.7004% | 1,520 |
| Core capital (leverage) ratio | 12.5061% | 1,322 |
| Tier 1 risk-based capital ratio | 14.9635% | 3,447 |
| Total risk-based capital ratio | 15.8817% | 3,613 |
| Memoranda: | ||
| Average total assets | $267,695,500 | 2,406 |
| Average earning assets | $247,372,000 | 2,376 |
| Average equity | $34,372,000 | 1,927 |
| Average total loans | $216,515,500 | 1,955 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6395% | 5,987 |
| Cost of funding earning assets | 0.6058% | 7,114 |
| Net interest margin | 4.0338% | 2,871 |
| Noninterest income to average assets | 0.2659% | 5,887 |
| Noninterest expense to average assets | 2.9826% | 3,916 |
| Loan and lease loss provision to assets | 0.1335% | 5,840 |
| Net operating income to assets | 0.5727% | 3,789 |
| Return on assets (ROA) | 0.8107% | 2,886 |
| Pretax return on assets | 1.2347% | 2,123 |
| Return on Equity (ROE) | 6.5102% | 3,340 |
| Retained earnings to average equity (ytd only) | 2.1409% | 4,388 |
| Net charge-offs to loans | 0.0258% | 6,546 |
| Credit loss provision to net charge-offs | 721.5686% | 298 |
| Earnings coverage of net charge-offs (x) | 54.4706% | 431 |
| Efficiency ratio | 74.7478% | 3,243 |
| Assets per employee ($millions) | 4.5549% | 2,776 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 6,510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 6,982 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 81.1323% | 527 |
| Net loans and leases to deposits | 95.5199% | 910 |
| Net loans and leases to core deposits | 95.6282% | 2,056 |
| Total domestic deposits to total assets | 84.9376% | 3,889 |
| Equity capital to assets | 12.9832% | 1,394 |
| Core capital (leverage) ratio | 12.1629% | 1,452 |
| Tier 1 risk-based capital ratio | 14.8389% | 3,345 |
| Total risk-based capital ratio | 15.7541% | 3,494 |
| Memoranda: | ||
| Average total assets | $275,703,600 | 2,315 |
| Average earning assets | $254,551,800 | 2,304 |
| Average equity | $34,331,000 | 1,927 |
| Average total loans | $197,509,800 | 2,184 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5306% | 6,526 |
| Cost of funding earning assets | 0.6177% | 7,256 |
| Net interest margin | 3.9129% | 3,472 |
| Noninterest income to average assets | 0.2584% | 6,050 |
| Noninterest expense to average assets | 2.9070% | 4,062 |
| Loan and lease loss provision to assets | 0.1613% | 5,419 |
| Net operating income to assets | 0.5180% | 4,224 |
| Return on assets (ROA) | 0.7557% | 3,348 |
| Pretax return on assets | 1.1668% | 2,612 |
| Return on Equity (ROE) | 6.1309% | 3,756 |
| Retained earnings to average equity (ytd only) | 3.0247% | 4,316 |
| Net charge-offs to loans | 0.0581% | 5,933 |
| Credit loss provision to net charge-offs | 401.1905% | 752 |
| Earnings coverage of net charge-offs (x) | 23.9399% | 1,045 |
| Efficiency ratio | 75.1268% | 3,123 |
| Assets per employee ($millions) | 4.8187% | 2,425 |
| Cash dividends to net income (ytd only)* | 50.6650% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 6,531 |
| Loan loss allowance to noncurrent loans | 3,376.6667% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 7,308 |
| Noncurrent loans to loans | 0.0286% | 7,187 |
| Net loans and leases to total assets | 74.2846% | 1,742 |
| Net loans and leases to deposits | 88.6126% | 1,923 |
| Net loans and leases to core deposits | 88.7084% | 3,284 |
| Total domestic deposits to total assets | 83.8307% | 4,221 |
| Equity capital to assets | 12.3537% | 1,939 |
| Core capital (leverage) ratio | 11.2622% | 2,094 |
| Tier 1 risk-based capital ratio | 15.1547% | 3,177 |
| Total risk-based capital ratio | 16.0605% | 3,317 |
| Memoranda: | ||
| Average total assets | $278,582,750 | 2,326 |
| Average earning assets | $257,090,000 | 2,311 |
| Average equity | $34,338,750 | 1,952 |
| Average total loans | $192,779,500 | 2,263 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3098% | 7,035 |
| Cost of funding earning assets | 0.6011% | 7,404 |
| Net interest margin | 3.7087% | 4,324 |
| Noninterest income to average assets | 0.2451% | 6,159 |
| Noninterest expense to average assets | 2.8949% | 4,098 |
| Loan and lease loss provision to assets | 0.1143% | 5,762 |
| Net operating income to assets | 0.4233% | 4,647 |
| Return on assets (ROA) | 0.6468% | 3,794 |
| Pretax return on assets | 1.0040% | 3,102 |
| Return on Equity (ROE) | 5.2515% | 4,155 |
| Retained earnings to average equity (ytd only) | 5.2515% | 2,749 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0114% | 2,570 |
| Assets per employee ($millions) | 4.9490% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9760% | 6,498 |
| 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 | 66.0145% | 3,826 |
| Net loans and leases to deposits | 83.5929% | 2,951 |
| Net loans and leases to core deposits | 83.5929% | 4,190 |
| Total domestic deposits to total assets | 78.9714% | 6,049 |
| Equity capital to assets | 11.7072% | 2,274 |
| Core capital (leverage) ratio | 12.6247% | 1,358 |
| Tier 1 risk-based capital ratio | 15.3710% | 2,967 |
| Total risk-based capital ratio | 16.2449% | 3,124 |
| Memoranda: | ||
| Average total assets | $278,281,670 | 2,343 |
| Average earning assets | $256,531,000 | 2,340 |
| Average equity | $34,276,000 | 1,951 |
| Average total loans | $187,159,000 | 2,341 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4426% | 6,915 |
| Cost of funding earning assets | 0.6264% | 7,503 |
| Net interest margin | 3.8163% | 3,721 |
| Noninterest income to average assets | 0.2751% | 5,953 |
| Noninterest expense to average assets | 3.2392% | 2,734 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3561% | 5,049 |
| Return on assets (ROA) | 0.5979% | 4,053 |
| Pretax return on assets | 0.9295% | 3,350 |
| Return on Equity (ROE) | 4.7249% | 4,523 |
| Retained earnings to average equity (ytd only) | 4.7249% | 3,312 |
| Net charge-offs to loans | 0.0506% | 4,899 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 16.1304% | 1,345 |
| Efficiency ratio | 85.4453% | 1,857 |
| Assets per employee ($millions) | 4.4288% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 6,593 |
| Loan loss allowance to noncurrent loans | 1,158.9404% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 7,184 |
| Noncurrent loans to loans | 0.0838% | 7,182 |
| Net loans and leases to total assets | 67.1575% | 3,589 |
| Net loans and leases to deposits | 81.3952% | 3,390 |
| Net loans and leases to core deposits | 81.3952% | 4,570 |
| Total domestic deposits to total assets | 82.5079% | 4,847 |
| Equity capital to assets | 12.8606% | 1,573 |
| Core capital (leverage) ratio | 12.6687% | 1,340 |
| Tier 1 risk-based capital ratio | 16.5890% | 2,416 |
| Total risk-based capital ratio | 17.4568% | 2,520 |
| Memoranda: | ||
| Average total assets | $268,953,500 | 2,480 |
| Average earning assets | $247,781,000 | 2,470 |
| Average equity | $34,032,500 | 1,983 |
| Average total loans | $181,761,500 | 2,468 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5705% | 7,317 |
| Cost of funding earning assets | 0.8947% | 7,414 |
| Net interest margin | 3.6758% | 4,237 |
| Noninterest income to average assets | 0.2735% | 6,157 |
| Noninterest expense to average assets | 2.9025% | 4,522 |
| Loan and lease loss provision to assets | 0.0628% | 6,938 |
| Net operating income to assets | 0.4551% | 3,905 |
| Return on assets (ROA) | 0.4551% | 4,033 |
| Pretax return on assets | 0.6892% | 3,607 |
| Return on Equity (ROE) | 4.2468% | 3,988 |
| Retained earnings to average equity (ytd only) | -1.5947% | 5,413 |
| Net charge-offs to loans | 0.0262% | 6,882 |
| Credit loss provision to net charge-offs | 359.5745% | 890 |
| Earnings coverage of net charge-offs (x) | 43.0638% | 580 |
| Efficiency ratio | 79.4225% | 2,963 |
| Assets per employee ($millions) | 4.6132% | 2,740 |
| Cash dividends to net income (ytd only)* | 137.5510% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 6,547 |
| Loan loss allowance to noncurrent loans | 177,300.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 7,199 |
| Noncurrent loans to loans | 0.0005% | 7,459 |
| Net loans and leases to total assets | 66.7001% | 3,987 |
| Net loans and leases to deposits | 79.1977% | 4,137 |
| Net loans and leases to core deposits | 80.2799% | 6,064 |
| Total domestic deposits to total assets | 84.2197% | 3,935 |
| Equity capital to assets | 12.4516% | 1,771 |
| Core capital (leverage) ratio | 12.0848% | 1,628 |
| Tier 1 risk-based capital ratio | 16.1217% | 2,466 |
| Total risk-based capital ratio | 16.9875% | 2,570 |
| Memoranda: | ||
| Average total assets | $269,148,800 | 2,425 |
| Average earning assets | $247,568,200 | 2,428 |
| Average equity | $28,845,200 | 2,312 |
| Average total loans | $179,549,400 | 2,519 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5957% | 7,422 |
| Cost of funding earning assets | 0.9567% | 7,473 |
| Net interest margin | 3.6390% | 4,328 |
| Noninterest income to average assets | 0.2638% | 6,341 |
| Noninterest expense to average assets | 2.9951% | 4,059 |
| Loan and lease loss provision to assets | 0.0700% | 6,656 |
| Net operating income to assets | 0.3622% | 4,544 |
| Return on assets (ROA) | 0.3622% | 4,647 |
| Pretax return on assets | 0.5450% | 4,375 |
| Return on Equity (ROE) | 3.5237% | 4,565 |
| Retained earnings to average equity (ytd only) | -4.6161% | 6,203 |
| Net charge-offs to loans | 0.0157% | 6,700 |
| Credit loss provision to net charge-offs | 671.4286% | 556 |
| Earnings coverage of net charge-offs (x) | 58.9511% | 555 |
| Efficiency ratio | 82.9641% | 2,434 |
| Assets per employee ($millions) | 4.4406% | 2,957 |
| Cash dividends to net income (ytd only)* | 231.0006% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 6,351 |
| Loan loss allowance to noncurrent loans | 903.5714% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 7,226 |
| Noncurrent loans to loans | 0.1097% | 7,203 |
| Net loans and leases to total assets | 65.3171% | 4,574 |
| Net loans and leases to deposits | 77.3110% | 4,844 |
| Net loans and leases to core deposits | 78.4411% | 6,451 |
| Total domestic deposits to total assets | 84.4861% | 3,482 |
| Equity capital to assets | 12.4036% | 2,002 |
| Core capital (leverage) ratio | 12.3326% | 1,650 |
| Tier 1 risk-based capital ratio | 16.1690% | 2,568 |
| Total risk-based capital ratio | 17.0506% | 2,638 |
| Memoranda: | ||
| Average total assets | $268,390,750 | 2,447 |
| Average earning assets | $246,803,750 | 2,454 |
| Average equity | $27,583,750 | 2,427 |
| Average total loans | $178,607,250 | 2,559 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6454% | 7,466 |
| Cost of funding earning assets | 1.0125% | 7,529 |
| Net interest margin | 3.6329% | 4,232 |
| Noninterest income to average assets | 0.2654% | 6,375 |
| Noninterest expense to average assets | 3.0131% | 4,032 |
| Loan and lease loss provision to assets | 0.0568% | 6,652 |
| Net operating income to assets | 0.3655% | 4,635 |
| Return on assets (ROA) | 0.3655% | 4,735 |
| Pretax return on assets | 0.5292% | 4,525 |
| Return on Equity (ROE) | 3.8234% | 4,569 |
| Retained earnings to average equity (ytd only) | 0.6255% | 4,940 |
| Net charge-offs to loans | -0.0011% | 7,468 |
| Credit loss provision to net charge-offs | -7,600.0000% | 7,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7175% | 2,513 |
| Assets per employee ($millions) | 4.3087% | 3,101 |
| Cash dividends to net income (ytd only)* | 83.6401% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 6,476 |
| Loan loss allowance to noncurrent loans | 1,440.0000% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 7,303 |
| Noncurrent loans to loans | 0.0670% | 7,358 |
| Net loans and leases to total assets | 66.3925% | 4,482 |
| Net loans and leases to deposits | 76.8457% | 5,049 |
| Net loans and leases to core deposits | 78.1087% | 6,539 |
| Total domestic deposits to total assets | 86.3972% | 2,571 |
| Equity capital to assets | 9.6014% | 4,486 |
| Core capital (leverage) ratio | 9.4883% | 3,904 |
| Tier 1 risk-based capital ratio | 12.3208% | 4,656 |
| Total risk-based capital ratio | 13.1759% | 4,897 |
| Memoranda: | ||
| Average total assets | $267,563,000 | 2,463 |
| Average earning assets | $245,534,330 | 2,472 |
| Average equity | $25,579,000 | 2,593 |
| Average total loans | $178,577,000 | 2,590 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5527% | 7,666 |
| Cost of funding earning assets | 1.0428% | 7,608 |
| Net interest margin | 3.5100% | 4,687 |
| Noninterest income to average assets | 0.2181% | 6,731 |
| Noninterest expense to average assets | 2.8920% | 4,183 |
| Loan and lease loss provision to assets | 0.0822% | 5,912 |
| Net operating income to assets | 0.3436% | 5,095 |
| Return on assets (ROA) | 0.3436% | 5,281 |
| Pretax return on assets | 0.4720% | 5,165 |
| Return on Equity (ROE) | 3.6016% | 5,129 |
| Retained earnings to average equity (ytd only) | 1.4563% | 5,037 |
| Net charge-offs to loans | -0.0045% | 7,168 |
| Credit loss provision to net charge-offs | -2,750.0000% | 6,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9185% | 2,316 |
| Assets per employee ($millions) | 4.5775% | 2,595 |
| Cash dividends to net income (ytd only)* | 59.5652% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 6,445 |
| Loan loss allowance to noncurrent loans | 7,120.8333% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 7,371 |
| Noncurrent loans to loans | 0.0135% | 7,526 |
| Net loans and leases to total assets | 65.4343% | 4,719 |
| Net loans and leases to deposits | 81.4814% | 4,373 |
| Net loans and leases to core deposits | 83.1722% | 6,130 |
| Total domestic deposits to total assets | 80.3058% | 5,241 |
| Equity capital to assets | 9.5063% | 4,654 |
| Core capital (leverage) ratio | 9.6559% | 3,811 |
| Tier 1 risk-based capital ratio | 12.1205% | 4,851 |
| Total risk-based capital ratio | 12.9517% | 5,125 |
| Memoranda: | ||
| Average total assets | $267,776,000 | 2,481 |
| Average earning assets | $246,271,000 | 2,482 |
| Average equity | $25,544,000 | 2,605 |
| Average total loans | $178,322,000 | 2,616 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3638% | 7,516 |
| Cost of funding earning assets | 1.6883% | 7,285 |
| Net interest margin | 3.6755% | 4,576 |
| Noninterest income to average assets | 0.3374% | 6,041 |
| Noninterest expense to average assets | 3.1963% | 3,352 |
| Loan and lease loss provision to assets | 0.1880% | 5,010 |
| Net operating income to assets | 0.1961% | 5,861 |
| Return on assets (ROA) | 0.3337% | 5,246 |
| Pretax return on assets | 0.5208% | 4,923 |
| Return on Equity (ROE) | 3.2372% | 5,141 |
| Retained earnings to average equity (ytd only) | 1.5864% | 4,267 |
| Net charge-offs to loans | 0.1207% | 5,037 |
| Credit loss provision to net charge-offs | 224.2574% | 2,120 |
| Earnings coverage of net charge-offs (x) | 5.8911% | 3,498 |
| Efficiency ratio | 86.6172% | 1,795 |
| Assets per employee ($millions) | 4.2139% | 3,091 |
| Cash dividends to net income (ytd only)* | 50.9950% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 6,523 |
| Loan loss allowance to noncurrent loans | 4,026.8293% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 7,240 |
| Noncurrent loans to loans | 0.0230% | 7,426 |
| Net loans and leases to total assets | 66.5076% | 4,752 |
| Net loans and leases to deposits | 81.7936% | 4,759 |
| Net loans and leases to core deposits | 83.6161% | 6,333 |
| Total domestic deposits to total assets | 81.3114% | 4,508 |
| Equity capital to assets | 9.5729% | 4,582 |
| Core capital (leverage) ratio | 9.9398% | 3,506 |
| Tier 1 risk-based capital ratio | 12.3713% | 4,529 |
| Total risk-based capital ratio | 13.1974% | 4,744 |
| Memoranda: | ||
| Average total assets | $240,964,400 | 2,648 |
| Average earning assets | $219,807,400 | 2,661 |
| Average equity | $24,836,400 | 2,650 |
| Average total loans | $167,324,000 | 2,662 |