Home > Home Federal Bank > Performance and Condition Ratios
Home Federal Bank, Performance and Condition Ratios
| 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 | 4.1147% | 2,799 |
| Cost of funding earning assets | 0.3973% | 3,102 |
| Net interest margin | 3.7174% | 2,600 |
| Noninterest income to average assets | 0.8640% | 1,399 |
| Noninterest expense to average assets | 2.8645% | 2,833 |
| Loan and lease loss provision to assets | 0.0561% | 2,821 |
| Net operating income to assets | 0.9187% | 2,659 |
| Return on assets (ROA) | 0.9187% | 2,769 |
| Pretax return on assets | 1.3651% | 2,021 |
| Return on Equity (ROE) | 8.2678% | 2,774 |
| Retained earnings to average equity (ytd only) | 2.0350% | 4,443 |
| Net charge-offs to loans | 0.0128% | 2,695 |
| Credit loss provision to net charge-offs | 558.6207% | 556 |
| Earnings coverage of net charge-offs (x) | 141.5172% | 423 |
| Efficiency ratio | 66.6532% | 3,692 |
| Assets per employee ($millions) | 3.8519% | 4,202 |
| Cash dividends to net income (ytd only)* | 75.3864% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 2,928 |
| Loan loss allowance to noncurrent loans | 73.2049% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 1.3972% | 1,485 |
| Noncurrent loans to loans | 1.7696% | 1,251 |
| Net loans and leases to total assets | 77.4640% | 1,173 |
| Net loans and leases to deposits | 94.6221% | 1,081 |
| Net loans and leases to core deposits | 105.9755% | 1,079 |
| Total domestic deposits to total assets | 81.8667% | 4,263 |
| Equity capital to assets | 11.3428% | 2,581 |
| Core capital (leverage) ratio | 10.9373% | 2,460 |
| Tier 1 risk-based capital ratio | 12.7169% | 4,451 |
| Total risk-based capital ratio | 13.8963% | 4,399 |
| Memoranda: | ||
| Average total assets | $1,155,101,500 | 632 |
| Average earning assets | $1,063,209,500 | 626 |
| Average equity | $128,354,000 | 623 |
| Average total loans | $904,176,500 | 554 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 3,777 |
| Cost of funding earning assets | 0.3469% | 3,731 |
| Net interest margin | 3.5334% | 3,402 |
| Noninterest income to average assets | 1.3998% | 616 |
| Noninterest expense to average assets | 3.1970% | 1,978 |
| Loan and lease loss provision to assets | 0.1082% | 2,187 |
| Net operating income to assets | 0.9084% | 2,819 |
| Return on assets (ROA) | 0.8497% | 3,185 |
| Pretax return on assets | 1.2617% | 2,427 |
| Return on Equity (ROE) | 8.0650% | 2,932 |
| Retained earnings to average equity (ytd only) | 3.8570% | 3,294 |
| Net charge-offs to loans | 0.0840% | 2,635 |
| Credit loss provision to net charge-offs | 169.6689% | 1,588 |
| Earnings coverage of net charge-offs (x) | 22.8583% | 1,754 |
| Efficiency ratio | 68.5476% | 3,473 |
| Assets per employee ($millions) | 4.0768% | 3,803 |
| Cash dividends to net income (ytd only)* | 52.1765% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 3,140 |
| Loan loss allowance to noncurrent loans | 105.2443% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.9497% | 2,294 |
| Noncurrent loans to loans | 1.1918% | 1,981 |
| Net loans and leases to total assets | 77.0987% | 1,239 |
| Net loans and leases to deposits | 94.2036% | 1,183 |
| Net loans and leases to core deposits | 106.4356% | 1,075 |
| Total domestic deposits to total assets | 81.8427% | 4,205 |
| Equity capital to assets | 10.8869% | 2,950 |
| Core capital (leverage) ratio | 10.6856% | 2,725 |
| Tier 1 risk-based capital ratio | 12.5230% | 4,617 |
| Total risk-based capital ratio | 13.6766% | 4,575 |
| Memoranda: | ||
| Average total assets | $1,184,133,200 | 596 |
| Average earning assets | $1,090,709,200 | 590 |
| Average equity | $124,761,000 | 610 |
| Average total loans | $898,506,600 | 527 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8410% | 3,964 |
| Cost of funding earning assets | 0.3362% | 3,909 |
| Net interest margin | 3.5049% | 3,513 |
| Noninterest income to average assets | 1.4894% | 557 |
| Noninterest expense to average assets | 3.1754% | 2,034 |
| Loan and lease loss provision to assets | 0.1224% | 1,860 |
| Net operating income to assets | 0.9564% | 2,690 |
| Return on assets (ROA) | 0.8772% | 3,135 |
| Pretax return on assets | 1.3039% | 2,387 |
| Return on Equity (ROE) | 8.3948% | 2,875 |
| Retained earnings to average equity (ytd only) | 3.8289% | 3,751 |
| Net charge-offs to loans | 0.1143% | 1,982 |
| Credit loss provision to net charge-offs | 142.1121% | 1,752 |
| Earnings coverage of net charge-offs (x) | 17.9361% | 2,029 |
| Efficiency ratio | 67.1567% | 3,681 |
| Assets per employee ($millions) | 4.0603% | 3,780 |
| Cash dividends to net income (ytd only)* | 54.3896% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 3,488 |
| Loan loss allowance to noncurrent loans | 94.9553% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.0363% | 2,281 |
| Noncurrent loans to loans | 1.2951% | 1,972 |
| Net loans and leases to total assets | 77.3114% | 1,206 |
| Net loans and leases to deposits | 96.4262% | 965 |
| Net loans and leases to core deposits | 114.0839% | 664 |
| Total domestic deposits to total assets | 80.1767% | 4,703 |
| Equity capital to assets | 10.8732% | 3,164 |
| Core capital (leverage) ratio | 10.6152% | 2,911 |
| Tier 1 risk-based capital ratio | 12.4956% | 4,763 |
| Total risk-based capital ratio | 13.6367% | 4,739 |
| Memoranda: | ||
| Average total assets | $1,187,658,000 | 598 |
| Average earning assets | $1,094,642,000 | 592 |
| Average equity | $124,106,000 | 615 |
| Average total loans | $894,748,250 | 533 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7633% | 4,197 |
| Cost of funding earning assets | 0.3338% | 4,000 |
| Net interest margin | 3.4295% | 3,790 |
| Noninterest income to average assets | 1.1450% | 915 |
| Noninterest expense to average assets | 3.1502% | 2,117 |
| Loan and lease loss provision to assets | 0.1528% | 1,389 |
| Net operating income to assets | 0.7038% | 3,875 |
| Return on assets (ROA) | 0.5797% | 4,530 |
| Pretax return on assets | 0.8251% | 4,227 |
| Return on Equity (ROE) | 5.6218% | 4,313 |
| Retained earnings to average equity (ytd only) | 1.9660% | 4,717 |
| Net charge-offs to loans | 0.1385% | 1,671 |
| Credit loss provision to net charge-offs | 148.2927% | 1,550 |
| Earnings coverage of net charge-offs (x) | 11.2114% | 2,315 |
| Efficiency ratio | 73.0174% | 2,835 |
| Assets per employee ($millions) | 4.0123% | 3,859 |
| Cash dividends to net income (ytd only)* | 65.0289% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 3,697 |
| Loan loss allowance to noncurrent loans | 85.6794% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.1206% | 2,267 |
| Noncurrent loans to loans | 1.4193% | 1,891 |
| Net loans and leases to total assets | 77.0710% | 1,207 |
| Net loans and leases to deposits | 92.9013% | 1,264 |
| Net loans and leases to core deposits | 111.3265% | 768 |
| Total domestic deposits to total assets | 82.9601% | 3,971 |
| Equity capital to assets | 10.4834% | 3,457 |
| Core capital (leverage) ratio | 10.3873% | 3,098 |
| Tier 1 risk-based capital ratio | 12.1650% | 5,024 |
| Total risk-based capital ratio | 13.2860% | 5,025 |
| Memoranda: | ||
| Average total assets | $1,193,756,330 | 594 |
| Average earning assets | $1,100,087,000 | 584 |
| Average equity | $123,092,330 | 620 |
| Average total loans | $887,895,330 | 535 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6332% | 4,582 |
| Cost of funding earning assets | 0.3350% | 4,036 |
| Net interest margin | 3.2982% | 4,224 |
| Noninterest income to average assets | 1.0420% | 1,029 |
| Noninterest expense to average assets | 3.1581% | 2,096 |
| Loan and lease loss provision to assets | 0.0941% | 2,114 |
| Net operating income to assets | 0.6282% | 4,155 |
| Return on assets (ROA) | 0.3553% | 5,352 |
| Pretax return on assets | 0.4698% | 5,260 |
| Return on Equity (ROE) | 3.4748% | 5,189 |
| Retained earnings to average equity (ytd only) | 0.2121% | 5,302 |
| Net charge-offs to loans | 0.0933% | 1,790 |
| Credit loss provision to net charge-offs | 138.9163% | 1,312 |
| Earnings coverage of net charge-offs (x) | 13.6256% | 1,709 |
| Efficiency ratio | 77.1646% | 2,318 |
| Assets per employee ($millions) | 3.8528% | 4,241 |
| Cash dividends to net income (ytd only)* | 93.8967% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 3,649 |
| Loan loss allowance to noncurrent loans | 84.4284% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.1499% | 2,337 |
| Noncurrent loans to loans | 1.4888% | 1,902 |
| Net loans and leases to total assets | 76.1102% | 1,192 |
| Net loans and leases to deposits | 90.1369% | 1,373 |
| Net loans and leases to core deposits | 106.6054% | 897 |
| Total domestic deposits to total assets | 84.4385% | 3,641 |
| Equity capital to assets | 10.8418% | 3,149 |
| Core capital (leverage) ratio | 10.2279% | 3,308 |
| Tier 1 risk-based capital ratio | 12.4986% | 4,907 |
| Total risk-based capital ratio | 13.6389% | 4,893 |
| Memoranda: | ||
| Average total assets | $1,198,825,000 | 583 |
| Average earning assets | $1,104,605,000 | 579 |
| Average equity | $122,596,500 | 622 |
| Average total loans | $870,114,500 | 540 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6538% | 4,919 |
| Cost of funding earning assets | 0.6083% | 1,697 |
| Net interest margin | 3.0456% | 5,332 |
| Noninterest income to average assets | 1.0418% | 1,129 |
| Noninterest expense to average assets | 3.0822% | 2,586 |
| Loan and lease loss provision to assets | 0.1198% | 2,180 |
| Net operating income to assets | 0.4697% | 4,925 |
| Return on assets (ROA) | 0.4842% | 4,963 |
| Pretax return on assets | 0.6705% | 4,723 |
| Return on Equity (ROE) | 5.0216% | 4,651 |
| Retained earnings to average equity (ytd only) | 0.4910% | 5,556 |
| Net charge-offs to loans | 0.1469% | 2,566 |
| Credit loss provision to net charge-offs | 127.7966% | 1,871 |
| Earnings coverage of net charge-offs (x) | 8.2169% | 2,912 |
| Efficiency ratio | 79.7856% | 1,963 |
| Assets per employee ($millions) | 4.3335% | 3,296 |
| Cash dividends to net income (ytd only)* | 90.2231% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 3,622 |
| Loan loss allowance to noncurrent loans | 85.3407% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.0159% | 2,715 |
| Noncurrent loans to loans | 1.4825% | 1,979 |
| Net loans and leases to total assets | 67.6592% | 2,615 |
| Net loans and leases to deposits | 88.4810% | 1,672 |
| Net loans and leases to core deposits | 105.5371% | 1,044 |
| Total domestic deposits to total assets | 76.4675% | 5,669 |
| Equity capital to assets | 9.6717% | 4,507 |
| Core capital (leverage) ratio | 9.4627% | 4,291 |
| Tier 1 risk-based capital ratio | 12.6989% | 4,917 |
| Total risk-based capital ratio | 13.8605% | 4,885 |
| Memoranda: | ||
| Average total assets | $1,258,987,600 | 533 |
| Average earning assets | $1,161,816,800 | 537 |
| Average equity | $121,395,400 | 601 |
| Average total loans | $803,299,000 | 551 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 5,193 |
| Cost of funding earning assets | 0.6281% | 1,614 |
| Net interest margin | 2.9525% | 5,598 |
| Noninterest income to average assets | 1.0504% | 1,114 |
| Noninterest expense to average assets | 2.7559% | 3,618 |
| Loan and lease loss provision to assets | 0.0600% | 3,161 |
| Net operating income to assets | 0.6663% | 4,123 |
| Return on assets (ROA) | 0.6905% | 4,082 |
| Pretax return on assets | 0.9944% | 3,615 |
| Return on Equity (ROE) | 7.1661% | 3,626 |
| Retained earnings to average equity (ytd only) | 3.3175% | 4,258 |
| Net charge-offs to loans | 0.1340% | 2,450 |
| Credit loss provision to net charge-offs | 71.4646% | 2,744 |
| Earnings coverage of net charge-offs (x) | 12.1490% | 2,344 |
| Efficiency ratio | 72.7704% | 3,049 |
| Assets per employee ($millions) | 4.4010% | 3,131 |
| Cash dividends to net income (ytd only)* | 53.7057% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 3,902 |
| Loan loss allowance to noncurrent loans | 68.7442% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.2127% | 2,527 |
| Noncurrent loans to loans | 1.8269% | 1,759 |
| Net loans and leases to total assets | 65.0609% | 3,016 |
| Net loans and leases to deposits | 83.6478% | 2,202 |
| Net loans and leases to core deposits | 93.4833% | 1,918 |
| Total domestic deposits to total assets | 77.7795% | 5,571 |
| Equity capital to assets | 9.8478% | 4,361 |
| Core capital (leverage) ratio | 9.7027% | 4,072 |
| Tier 1 risk-based capital ratio | 13.3603% | 4,634 |
| Total risk-based capital ratio | 14.4963% | 4,636 |
| Memoranda: | ||
| Average total assets | $1,258,469,500 | 533 |
| Average earning assets | $1,161,479,500 | 531 |
| Average equity | $121,252,750 | 601 |
| Average total loans | $788,084,750 | 559 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5836% | 5,196 |
| Cost of funding earning assets | 0.6368% | 1,611 |
| Net interest margin | 2.9469% | 5,641 |
| Noninterest income to average assets | 1.0511% | 1,076 |
| Noninterest expense to average assets | 2.7622% | 3,652 |
| Loan and lease loss provision to assets | 0.0933% | 2,467 |
| Net operating income to assets | 0.6378% | 4,162 |
| Return on assets (ROA) | 0.6705% | 4,086 |
| Pretax return on assets | 0.9599% | 3,644 |
| Return on Equity (ROE) | 7.0110% | 3,618 |
| Retained earnings to average equity (ytd only) | 2.8615% | 4,383 |
| Net charge-offs to loans | 0.1783% | 1,968 |
| Credit loss provision to net charge-offs | 85.0941% | 2,262 |
| Earnings coverage of net charge-offs (x) | 9.1751% | 2,392 |
| Efficiency ratio | 73.0666% | 3,145 |
| Assets per employee ($millions) | 4.5431% | 2,858 |
| Cash dividends to net income (ytd only)* | 59.1856% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 3,941 |
| Loan loss allowance to noncurrent loans | 60.6842% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 1.3745% | 2,377 |
| Noncurrent loans to loans | 2.1153% | 1,566 |
| Net loans and leases to total assets | 63.4888% | 3,160 |
| Net loans and leases to deposits | 79.4499% | 2,589 |
| Net loans and leases to core deposits | 89.7732% | 2,146 |
| Total domestic deposits to total assets | 79.9104% | 5,261 |
| Equity capital to assets | 9.6215% | 4,598 |
| Core capital (leverage) ratio | 9.4860% | 4,354 |
| Tier 1 risk-based capital ratio | 13.3762% | 4,664 |
| Total risk-based capital ratio | 14.5370% | 4,670 |
| Memoranda: | ||
| Average total assets | $1,259,861,670 | 535 |
| Average earning assets | $1,161,835,670 | 530 |
| Average equity | $120,497,000 | 596 |
| Average total loans | $775,302,000 | 563 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6388% | 5,038 |
| Cost of funding earning assets | 0.6471% | 1,603 |
| Net interest margin | 2.9917% | 5,546 |
| Noninterest income to average assets | 1.1007% | 918 |
| Noninterest expense to average assets | 2.7709% | 3,672 |
| Loan and lease loss provision to assets | 0.0830% | 2,510 |
| Net operating income to assets | 0.6965% | 3,708 |
| Return on assets (ROA) | 0.7478% | 3,512 |
| Pretax return on assets | 1.0768% | 3,008 |
| Return on Equity (ROE) | 7.8428% | 3,021 |
| Retained earnings to average equity (ytd only) | 3.6604% | 3,940 |
| Net charge-offs to loans | 0.2754% | 1,248 |
| Credit loss provision to net charge-offs | 50.0963% | 2,202 |
| Earnings coverage of net charge-offs (x) | 6.5549% | 2,210 |
| Efficiency ratio | 71.6307% | 3,553 |
| Assets per employee ($millions) | 4.3756% | 3,190 |
| Cash dividends to net income (ytd only)* | 53.3276% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 3,766 |
| Loan loss allowance to noncurrent loans | 55.7646% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 1.4983% | 2,355 |
| Noncurrent loans to loans | 2.4476% | 1,425 |
| Net loans and leases to total assets | 59.5377% | 3,629 |
| Net loans and leases to deposits | 76.5961% | 2,744 |
| Net loans and leases to core deposits | 83.9994% | 2,513 |
| Total domestic deposits to total assets | 77.7294% | 5,865 |
| Equity capital to assets | 9.5842% | 4,380 |
| Core capital (leverage) ratio | 9.5109% | 4,267 |
| Tier 1 risk-based capital ratio | 14.0537% | 4,301 |
| Total risk-based capital ratio | 15.2667% | 4,260 |
| Memoranda: | ||
| Average total assets | $1,253,761,000 | 540 |
| Average earning assets | $1,154,776,500 | 535 |
| Average equity | $119,549,500 | 605 |
| Average total loans | $753,893,500 | 581 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4032% | 5,832 |
| Cost of funding earning assets | 0.7385% | 1,570 |
| Net interest margin | 2.6647% | 6,182 |
| Noninterest income to average assets | 1.2356% | 913 |
| Noninterest expense to average assets | 2.7510% | 3,907 |
| Loan and lease loss provision to assets | 0.0377% | 4,361 |
| Net operating income to assets | 0.6000% | 4,260 |
| Return on assets (ROA) | 0.6353% | 4,198 |
| Pretax return on assets | 0.9486% | 3,564 |
| Return on Equity (ROE) | 6.5229% | 3,816 |
| Retained earnings to average equity (ytd only) | 2.4555% | 4,505 |
| Net charge-offs to loans | 0.0883% | 3,970 |
| Credit loss provision to net charge-offs | 72.5275% | 3,238 |
| Earnings coverage of net charge-offs (x) | 17.9451% | 1,687 |
| Efficiency ratio | 74.4530% | 3,051 |
| Assets per employee ($millions) | 4.2145% | 3,418 |
| Cash dividends to net income (ytd only)* | 62.3554% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 3,580 |
| Loan loss allowance to noncurrent loans | 50.2369% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 1.7120% | 2,152 |
| Noncurrent loans to loans | 2.8156% | 1,249 |
| Net loans and leases to total assets | 59.0516% | 3,867 |
| Net loans and leases to deposits | 75.2268% | 3,065 |
| Net loans and leases to core deposits | 82.7500% | 2,808 |
| Total domestic deposits to total assets | 78.4980% | 5,738 |
| Equity capital to assets | 9.4862% | 4,446 |
| Core capital (leverage) ratio | 9.4248% | 4,376 |
| Tier 1 risk-based capital ratio | 14.0526% | 4,265 |
| Total risk-based capital ratio | 15.2968% | 4,205 |
| Memoranda: | ||
| Average total assets | $1,224,339,400 | 535 |
| Average earning assets | $1,125,256,200 | 531 |
| Average equity | $119,241,200 | 599 |
| Average total loans | $721,451,200 | 584 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3559% | 5,966 |
| Cost of funding earning assets | 0.7521% | 1,594 |
| Net interest margin | 2.6039% | 6,310 |
| Noninterest income to average assets | 1.2387% | 958 |
| Noninterest expense to average assets | 2.7650% | 3,776 |
| Loan and lease loss provision to assets | 0.0786% | 3,490 |
| Net operating income to assets | 0.5232% | 4,701 |
| Return on assets (ROA) | 0.5638% | 4,660 |
| Pretax return on assets | 0.8478% | 4,104 |
| Return on Equity (ROE) | 5.7502% | 4,313 |
| Retained earnings to average equity (ytd only) | 1.4498% | 5,405 |
| Net charge-offs to loans | 0.1372% | 3,166 |
| Credit loss provision to net charge-offs | 97.6871% | 2,446 |
| Earnings coverage of net charge-offs (x) | 10.7469% | 2,324 |
| Efficiency ratio | 75.9677% | 2,736 |
| Assets per employee ($millions) | 4.1165% | 3,607 |
| Cash dividends to net income (ytd only)* | 74.7864% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 3,872 |
| Loan loss allowance to noncurrent loans | 50.5353% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 1.7256% | 2,377 |
| Noncurrent loans to loans | 2.7815% | 1,504 |
| Net loans and leases to total assets | 60.5252% | 3,609 |
| Net loans and leases to deposits | 78.1523% | 2,645 |
| Net loans and leases to core deposits | 86.7230% | 2,320 |
| Total domestic deposits to total assets | 77.4453% | 5,982 |
| Equity capital to assets | 9.3767% | 4,709 |
| Core capital (leverage) ratio | 9.3187% | 4,670 |
| Tier 1 risk-based capital ratio | 13.6737% | 4,650 |
| Total risk-based capital ratio | 14.9181% | 4,604 |
| Memoranda: | ||
| Average total assets | $1,217,494,750 | 536 |
| Average earning assets | $1,118,108,000 | 531 |
| Average equity | $119,366,500 | 605 |
| Average total loans | $714,373,000 | 587 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4165% | 5,867 |
| Cost of funding earning assets | 0.7645% | 1,620 |
| Net interest margin | 2.6520% | 6,264 |
| Noninterest income to average assets | 1.2413% | 1,014 |
| Noninterest expense to average assets | 2.7184% | 3,966 |
| Loan and lease loss provision to assets | 0.0734% | 3,574 |
| Net operating income to assets | 0.5739% | 4,425 |
| Return on assets (ROA) | 0.6049% | 4,436 |
| Pretax return on assets | 0.9316% | 3,773 |
| Return on Equity (ROE) | 6.0781% | 4,123 |
| Retained earnings to average equity (ytd only) | 1.7509% | 5,140 |
| Net charge-offs to loans | 0.1377% | 3,002 |
| Credit loss provision to net charge-offs | 92.2917% | 2,389 |
| Earnings coverage of net charge-offs (x) | 12.0417% | 2,009 |
| Efficiency ratio | 73.7755% | 3,171 |
| Assets per employee ($millions) | 3.9688% | 3,875 |
| Cash dividends to net income (ytd only)* | 71.1939% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 3,469 |
| Loan loss allowance to noncurrent loans | 47.4871% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 1.9087% | 2,272 |
| Noncurrent loans to loans | 3.2092% | 1,368 |
| Net loans and leases to total assets | 57.1615% | 4,114 |
| Net loans and leases to deposits | 75.9103% | 2,889 |
| Net loans and leases to core deposits | 83.0418% | 2,691 |
| Total domestic deposits to total assets | 75.3013% | 6,327 |
| Equity capital to assets | 9.7304% | 4,259 |
| Core capital (leverage) ratio | 9.5635% | 4,136 |
| Tier 1 risk-based capital ratio | 14.5813% | 4,046 |
| Total risk-based capital ratio | 15.8262% | 4,016 |
| Memoranda: | ||
| Average total assets | $1,207,558,670 | 546 |
| Average earning assets | $1,108,438,000 | 532 |
| Average equity | $120,170,000 | 601 |
| Average total loans | $697,265,330 | 599 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4991% | 5,710 |
| Cost of funding earning assets | 0.7758% | 1,673 |
| Net interest margin | 2.7233% | 6,181 |
| Noninterest income to average assets | 1.1604% | 1,112 |
| Noninterest expense to average assets | 2.7174% | 3,991 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6076% | 4,177 |
| Return on assets (ROA) | 0.6391% | 4,187 |
| Pretax return on assets | 0.9870% | 3,413 |
| Return on Equity (ROE) | 6.3514% | 3,856 |
| Retained earnings to average equity (ytd only) | 2.7202% | 4,655 |
| Net charge-offs to loans | 0.0669% | 3,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 24.3534% | 1,084 |
| Efficiency ratio | 74.3299% | 3,211 |
| Assets per employee ($millions) | 4.0287% | 3,885 |
| Cash dividends to net income (ytd only)* | 57.1726% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 3,650 |
| Loan loss allowance to noncurrent loans | 46.9635% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 1.9781% | 2,369 |
| Noncurrent loans to loans | 3.2855% | 1,476 |
| Net loans and leases to total assets | 57.0622% | 3,912 |
| Net loans and leases to deposits | 73.4927% | 2,988 |
| Net loans and leases to core deposits | 79.4328% | 2,875 |
| Total domestic deposits to total assets | 77.6433% | 6,166 |
| Equity capital to assets | 10.1791% | 3,924 |
| Core capital (leverage) ratio | 9.7981% | 3,668 |
| Tier 1 risk-based capital ratio | 15.1794% | 3,718 |
| Total risk-based capital ratio | 16.4247% | 3,675 |
| Memoranda: | ||
| Average total assets | $1,204,113,500 | 552 |
| Average earning assets | $1,103,381,000 | 542 |
| Average equity | $121,169,500 | 601 |
| Average total loans | $693,428,000 | 606 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8632% | 5,684 |
| Cost of funding earning assets | 0.9238% | 1,792 |
| Net interest margin | 2.9394% | 6,155 |
| Noninterest income to average assets | 0.8721% | 1,954 |
| Noninterest expense to average assets | 2.8383% | 3,880 |
| Loan and lease loss provision to assets | -0.0873% | 6,914 |
| Net operating income to assets | 0.5482% | 4,490 |
| Return on assets (ROA) | 0.7152% | 3,924 |
| Pretax return on assets | 1.0612% | 3,314 |
| Return on Equity (ROE) | 7.1362% | 3,561 |
| Retained earnings to average equity (ytd only) | 2.2478% | 4,658 |
| Net charge-offs to loans | -0.1114% | 6,844 |
| Credit loss provision to net charge-offs | 130.0499% | 2,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6648% | 2,186 |
| Assets per employee ($millions) | 4.0525% | 3,845 |
| Cash dividends to net income (ytd only)* | 68.5012% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 3,524 |
| Loan loss allowance to noncurrent loans | 66.5884% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.4048% | 3,294 |
| Noncurrent loans to loans | 2.3269% | 2,308 |
| Net loans and leases to total assets | 56.3404% | 4,228 |
| Net loans and leases to deposits | 71.7778% | 3,450 |
| Net loans and leases to core deposits | 77.5481% | 3,325 |
| Total domestic deposits to total assets | 78.4928% | 5,992 |
| Equity capital to assets | 9.9490% | 4,243 |
| Core capital (leverage) ratio | 9.5413% | 4,051 |
| Tier 1 risk-based capital ratio | 15.2618% | 3,569 |
| Total risk-based capital ratio | 16.5073% | 3,523 |
| Memoranda: | ||
| Average total assets | $1,194,060,400 | 549 |
| Average earning assets | $1,093,051,000 | 541 |
| Average equity | $119,672,000 | 601 |
| Average total loans | $719,816,400 | 572 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9634% | 5,625 |
| Cost of funding earning assets | 0.9620% | 1,775 |
| Net interest margin | 3.0014% | 6,166 |
| Noninterest income to average assets | 0.8323% | 2,110 |
| Noninterest expense to average assets | 2.9025% | 3,585 |
| Loan and lease loss provision to assets | -0.1314% | 7,058 |
| Net operating income to assets | 0.5532% | 4,609 |
| Return on assets (ROA) | 0.7803% | 3,789 |
| Pretax return on assets | 1.1462% | 3,172 |
| Return on Equity (ROE) | 7.7707% | 3,381 |
| Retained earnings to average equity (ytd only) | 2.4644% | 5,099 |
| Net charge-offs to loans | -0.1762% | 6,967 |
| Credit loss provision to net charge-offs | 122.1064% | 2,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9992% | 1,940 |
| Assets per employee ($millions) | 4.0016% | 3,864 |
| Cash dividends to net income (ytd only)* | 68.2865% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 3,889 |
| Loan loss allowance to noncurrent loans | 69.1510% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.4522% | 3,424 |
| Noncurrent loans to loans | 2.1908% | 2,629 |
| Net loans and leases to total assets | 61.1848% | 3,536 |
| Net loans and leases to deposits | 79.3717% | 2,487 |
| Net loans and leases to core deposits | 86.0938% | 2,451 |
| Total domestic deposits to total assets | 77.0863% | 6,217 |
| Equity capital to assets | 10.5133% | 3,828 |
| Core capital (leverage) ratio | 10.0490% | 3,474 |
| Tier 1 risk-based capital ratio | 15.0724% | 3,801 |
| Total risk-based capital ratio | 16.3180% | 3,752 |
| Memoranda: | ||
| Average total assets | $1,188,641,000 | 557 |
| Average earning assets | $1,089,509,000 | 551 |
| Average equity | $119,351,500 | 602 |
| Average total loans | $725,837,500 | 568 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0166% | 5,598 |
| Cost of funding earning assets | 0.9786% | 1,888 |
| Net interest margin | 3.0380% | 6,153 |
| Noninterest income to average assets | 0.8446% | 1,986 |
| Noninterest expense to average assets | 2.9039% | 3,601 |
| Loan and lease loss provision to assets | -0.1449% | 7,128 |
| Net operating income to assets | 0.5852% | 4,429 |
| Return on assets (ROA) | 0.7140% | 4,058 |
| Pretax return on assets | 1.0639% | 3,446 |
| Return on Equity (ROE) | 7.2186% | 3,661 |
| Retained earnings to average equity (ytd only) | 2.5924% | 4,895 |
| Net charge-offs to loans | -0.1140% | 6,880 |
| Credit loss provision to net charge-offs | 209.3750% | 1,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9826% | 2,181 |
| Assets per employee ($millions) | 4.0675% | 3,729 |
| Cash dividends to net income (ytd only)* | 64.0876% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 3,969 |
| Loan loss allowance to noncurrent loans | 65.2948% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.4992% | 3,454 |
| Noncurrent loans to loans | 2.3120% | 2,590 |
| Net loans and leases to total assets | 58.0392% | 4,151 |
| Net loans and leases to deposits | 75.6312% | 3,038 |
| Net loans and leases to core deposits | 81.4740% | 3,025 |
| Total domestic deposits to total assets | 76.7397% | 6,371 |
| Equity capital to assets | 10.0503% | 4,258 |
| Core capital (leverage) ratio | 9.6568% | 3,913 |
| Tier 1 risk-based capital ratio | 14.6242% | 4,020 |
| Total risk-based capital ratio | 15.8690% | 3,985 |
| Memoranda: | ||
| Average total assets | $1,202,030,670 | 549 |
| Average earning assets | $1,102,374,000 | 542 |
| Average equity | $118,888,000 | 601 |
| Average total loans | $729,950,330 | 561 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9839% | 5,819 |
| Cost of funding earning assets | 1.0023% | 1,969 |
| Net interest margin | 2.9816% | 6,335 |
| Noninterest income to average assets | 0.7952% | 2,191 |
| Noninterest expense to average assets | 2.7328% | 4,305 |
| Loan and lease loss provision to assets | 0.0873% | 4,283 |
| Net operating income to assets | 0.4755% | 4,928 |
| Return on assets (ROA) | 0.5968% | 4,571 |
| Pretax return on assets | 0.8822% | 4,098 |
| Return on Equity (ROE) | 6.0819% | 4,245 |
| Retained earnings to average equity (ytd only) | 1.8677% | 5,310 |
| Net charge-offs to loans | 0.4000% | 2,102 |
| Credit loss provision to net charge-offs | 35.4362% | 3,527 |
| Earnings coverage of net charge-offs (x) | 3.2107% | 2,916 |
| Efficiency ratio | 77.5462% | 2,562 |
| Assets per employee ($millions) | 3.9673% | 4,084 |
| Cash dividends to net income (ytd only)* | 69.2905% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4647% | 4,315 |
| Loan loss allowance to noncurrent loans | 48.1147% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 2.0513% | 2,822 |
| Noncurrent loans to loans | 3.0443% | 2,121 |
| Net loans and leases to total assets | 59.3752% | 3,795 |
| Net loans and leases to deposits | 77.3973% | 2,609 |
| Net loans and leases to core deposits | 84.2526% | 2,518 |
| Total domestic deposits to total assets | 76.7148% | 6,451 |
| Equity capital to assets | 9.9634% | 4,168 |
| Core capital (leverage) ratio | 9.5040% | 4,043 |
| Tier 1 risk-based capital ratio | 13.9151% | 4,520 |
| Total risk-based capital ratio | 15.1596% | 4,505 |
| Memoranda: | ||
| Average total assets | $1,209,184,000 | 549 |
| Average earning assets | $1,106,662,000 | 545 |
| Average equity | $118,647,000 | 605 |
| Average total loans | $744,970,000 | 547 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6345% | 4,530 |
| Cost of funding earning assets | 1.2265% | 1,862 |
| Net interest margin | 3.4080% | 5,460 |
| Noninterest income to average assets | 1.0231% | 1,300 |
| Noninterest expense to average assets | 2.8831% | 4,030 |
| Loan and lease loss provision to assets | 0.5492% | 1,898 |
| Net operating income to assets | 0.5347% | 4,289 |
| Return on assets (ROA) | 0.2669% | 5,528 |
| Pretax return on assets | 0.3558% | 5,414 |
| Return on Equity (ROE) | 2.7767% | 5,371 |
| Retained earnings to average equity (ytd only) | 1.2671% | 5,261 |
| Net charge-offs to loans | 0.5101% | 2,950 |
| Credit loss provision to net charge-offs | 156.7203% | 1,790 |
| Earnings coverage of net charge-offs (x) | 3.6018% | 3,458 |
| Efficiency ratio | 69.5531% | 4,052 |
| Assets per employee ($millions) | 3.8137% | 4,295 |
| Cash dividends to net income (ytd only)* | 54.3647% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 4,331 |
| Loan loss allowance to noncurrent loans | 41.8795% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 2.2623% | 2,658 |
| Noncurrent loans to loans | 3.4161% | 1,889 |
| Net loans and leases to total assets | 62.0274% | 3,594 |
| Net loans and leases to deposits | 80.2273% | 2,482 |
| Net loans and leases to core deposits | 87.0183% | 2,505 |
| Total domestic deposits to total assets | 77.3145% | 6,295 |
| Equity capital to assets | 9.6646% | 4,653 |
| Core capital (leverage) ratio | 9.2966% | 4,336 |
| Tier 1 risk-based capital ratio | 13.1685% | 4,943 |
| Total risk-based capital ratio | 14.4125% | 4,926 |
| Memoranda: | ||
| Average total assets | $1,206,036,800 | 541 |
| Average earning assets | $1,104,852,400 | 533 |
| Average equity | $115,930,800 | 596 |
| Average total loans | $828,401,000 | 500 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7202% | 4,357 |
| Cost of funding earning assets | 1.2779% | 1,829 |
| Net interest margin | 3.4423% | 5,418 |
| Noninterest income to average assets | 0.9928% | 1,357 |
| Noninterest expense to average assets | 2.9613% | 3,700 |
| Loan and lease loss provision to assets | 0.4997% | 1,987 |
| Net operating income to assets | 0.5770% | 4,191 |
| Return on assets (ROA) | 0.1723% | 5,892 |
| Pretax return on assets | 0.2058% | 5,884 |
| Return on Equity (ROE) | 1.7953% | 5,840 |
| Retained earnings to average equity (ytd only) | 1.7953% | 5,236 |
| Net charge-offs to loans | 0.3674% | 3,254 |
| Credit loss provision to net charge-offs | 193.8442% | 1,506 |
| Earnings coverage of net charge-offs (x) | 4.6057% | 3,009 |
| Efficiency ratio | 71.3816% | 3,674 |
| Assets per employee ($millions) | 3.6004% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 4,851 |
| Loan loss allowance to noncurrent loans | 36.6990% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 2.6370% | 2,455 |
| Noncurrent loans to loans | 3.6345% | 1,891 |
| Net loans and leases to total assets | 68.6787% | 2,338 |
| Net loans and leases to deposits | 89.9756% | 1,214 |
| Net loans and leases to core deposits | 101.3694% | 1,129 |
| Total domestic deposits to total assets | 76.3303% | 6,485 |
| Equity capital to assets | 9.9210% | 4,446 |
| Core capital (leverage) ratio | 9.6345% | 3,940 |
| Tier 1 risk-based capital ratio | 12.5709% | 5,432 |
| Total risk-based capital ratio | 13.7896% | 5,447 |
| Memoranda: | ||
| Average total assets | $1,201,494,750 | 550 |
| Average earning assets | $1,101,487,000 | 538 |
| Average equity | $115,334,750 | 603 |
| Average total loans | $842,910,500 | 499 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7248% | 4,419 |
| Cost of funding earning assets | 1.3064% | 1,902 |
| Net interest margin | 3.4184% | 5,486 |
| Noninterest income to average assets | 0.9765% | 1,387 |
| Noninterest expense to average assets | 2.9033% | 4,010 |
| Loan and lease loss provision to assets | 0.6602% | 1,457 |
| Net operating income to assets | 0.4003% | 4,941 |
| Return on assets (ROA) | -0.0924% | 6,396 |
| Pretax return on assets | -0.2141% | 6,464 |
| Return on Equity (ROE) | -0.9730% | 6,398 |
| Retained earnings to average equity (ytd only) | -0.9730% | 6,046 |
| Net charge-offs to loans | 1.2363% | 1,264 |
| Credit loss provision to net charge-offs | 75.9298% | 3,888 |
| Earnings coverage of net charge-offs (x) | 1.3984% | 4,233 |
| Efficiency ratio | 70.4807% | 4,025 |
| Assets per employee ($millions) | 3.4865% | 4,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 6,611 |
| Loan loss allowance to noncurrent loans | 20.8781% | 6,695 |
| Noncurrent assets plus other real estate owned to assets | 3.1251% | 2,145 |
| Noncurrent loans to loans | 4.3917% | 1,534 |
| Net loans and leases to total assets | 69.2436% | 2,369 |
| Net loans and leases to deposits | 90.3112% | 1,238 |
| Net loans and leases to core deposits | 103.3184% | 1,089 |
| Total domestic deposits to total assets | 76.6723% | 6,498 |
| Equity capital to assets | 9.7309% | 4,499 |
| Core capital (leverage) ratio | 9.4391% | 4,047 |
| Tier 1 risk-based capital ratio | 12.4332% | 5,414 |
| Total risk-based capital ratio | 13.2821% | 5,723 |
| Memoranda: | ||
| Average total assets | $1,205,948,670 | 552 |
| Average earning assets | $1,108,708,330 | 539 |
| Average equity | $114,488,000 | 608 |
| Average total loans | $848,205,670 | 506 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7371% | 4,344 |
| Cost of funding earning assets | 1.3249% | 2,038 |
| Net interest margin | 3.4122% | 5,382 |
| Noninterest income to average assets | 0.9864% | 1,369 |
| Noninterest expense to average assets | 2.9204% | 3,983 |
| Loan and lease loss provision to assets | 0.6419% | 1,343 |
| Net operating income to assets | 0.4043% | 4,929 |
| Return on assets (ROA) | 0.3027% | 5,455 |
| Pretax return on assets | 0.4107% | 5,310 |
| Return on Equity (ROE) | 3.2278% | 5,272 |
| Retained earnings to average equity (ytd only) | 3.2278% | 4,237 |
| Net charge-offs to loans | 1.0900% | 1,262 |
| Credit loss provision to net charge-offs | 83.4690% | 3,078 |
| Earnings coverage of net charge-offs (x) | 1.5473% | 3,550 |
| Efficiency ratio | 71.0497% | 4,047 |
| Assets per employee ($millions) | 3.5650% | 4,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 6,338 |
| Loan loss allowance to noncurrent loans | 25.3146% | 6,532 |
| Noncurrent assets plus other real estate owned to assets | 2.8471% | 2,421 |
| Noncurrent loans to loans | 4.0087% | 1,812 |
| Net loans and leases to total assets | 69.0424% | 2,313 |
| Net loans and leases to deposits | 90.8913% | 1,135 |
| Net loans and leases to core deposits | 105.2975% | 975 |
| Total domestic deposits to total assets | 75.9615% | 6,675 |
| Equity capital to assets | 9.5428% | 4,378 |
| Core capital (leverage) ratio | 9.3902% | 3,978 |
| Tier 1 risk-based capital ratio | 11.7138% | 5,932 |
| Total risk-based capital ratio | 12.5991% | 6,200 |
| Memoranda: | ||
| Average total assets | $1,214,478,500 | 552 |
| Average earning assets | $1,111,892,500 | 539 |
| Average equity | $113,887,000 | 605 |
| Average total loans | $856,884,500 | 512 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0173% | 4,469 |
| Cost of funding earning assets | 1.4573% | 2,912 |
| Net interest margin | 3.5600% | 4,997 |
| Noninterest income to average assets | 1.0419% | 1,381 |
| Noninterest expense to average assets | 2.9293% | 4,111 |
| Loan and lease loss provision to assets | 0.5555% | 2,909 |
| Net operating income to assets | 0.5488% | 3,893 |
| Return on assets (ROA) | 0.5877% | 3,888 |
| Pretax return on assets | 0.8844% | 3,356 |
| Return on Equity (ROE) | 6.5890% | 3,306 |
| Retained earnings to average equity (ytd only) | 6.5890% | 1,512 |
| Net charge-offs to loans | 0.6965% | 2,918 |
| Credit loss provision to net charge-offs | 111.7339% | 3,920 |
| Earnings coverage of net charge-offs (x) | 2.7779% | 3,684 |
| Efficiency ratio | 66.8550% | 4,786 |
| Assets per employee ($millions) | 3.6537% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 6,284 |
| Loan loss allowance to noncurrent loans | 28.3043% | 6,397 |
| Noncurrent assets plus other real estate owned to assets | 2.5817% | 2,700 |
| Noncurrent loans to loans | 3.6067% | 2,075 |
| Net loans and leases to total assets | 70.6204% | 2,386 |
| Net loans and leases to deposits | 92.7234% | 1,170 |
| Net loans and leases to core deposits | 109.7726% | 930 |
| Total domestic deposits to total assets | 76.1625% | 6,617 |
| Equity capital to assets | 9.2147% | 4,818 |
| Core capital (leverage) ratio | 9.1275% | 4,307 |
| Tier 1 risk-based capital ratio | 11.3140% | 6,078 |
| Total risk-based capital ratio | 12.2183% | 6,325 |
| Memoranda: | ||
| Average total assets | $1,227,452,400 | 547 |
| Average earning assets | $1,126,921,200 | 537 |
| Average equity | $109,485,000 | 613 |
| Average total loans | $876,093,600 | 514 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0342% | 4,656 |
| Cost of funding earning assets | 1.4807% | 3,081 |
| Net interest margin | 3.5534% | 5,094 |
| Noninterest income to average assets | 0.9896% | 1,487 |
| Noninterest expense to average assets | 2.9101% | 4,048 |
| Loan and lease loss provision to assets | 0.6024% | 2,535 |
| Net operating income to assets | 0.4855% | 4,380 |
| Return on assets (ROA) | 0.5306% | 4,355 |
| Pretax return on assets | 0.8045% | 3,888 |
| Return on Equity (ROE) | 5.9978% | 3,813 |
| Retained earnings to average equity (ytd only) | 5.9978% | 2,354 |
| Net charge-offs to loans | 0.6829% | 2,718 |
| Credit loss provision to net charge-offs | 123.5805% | 3,315 |
| Earnings coverage of net charge-offs (x) | 2.7462% | 3,774 |
| Efficiency ratio | 66.9979% | 4,651 |
| Assets per employee ($millions) | 3.7666% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 6,238 |
| Loan loss allowance to noncurrent loans | 41.7196% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 1.8176% | 3,722 |
| Noncurrent loans to loans | 2.4824% | 3,135 |
| Net loans and leases to total assets | 70.3199% | 2,661 |
| Net loans and leases to deposits | 97.9354% | 798 |
| Net loans and leases to core deposits | 119.0332% | 645 |
| Total domestic deposits to total assets | 71.8023% | 7,150 |
| Equity capital to assets | 8.8324% | 5,803 |
| Core capital (leverage) ratio | 8.7276% | 5,141 |
| Tier 1 risk-based capital ratio | 10.7976% | 6,548 |
| Total risk-based capital ratio | 11.7102% | 6,795 |
| Memoranda: | ||
| Average total assets | $1,228,322,250 | 543 |
| Average earning assets | $1,126,621,750 | 531 |
| Average equity | $108,660,000 | 606 |
| Average total loans | $876,794,500 | 509 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0736% | 4,592 |
| Cost of funding earning assets | 1.5041% | 3,236 |
| Net interest margin | 3.5696% | 4,950 |
| Noninterest income to average assets | 0.9393% | 1,546 |
| Noninterest expense to average assets | 2.9135% | 4,027 |
| Loan and lease loss provision to assets | 0.3583% | 3,559 |
| Net operating income to assets | 0.6061% | 3,857 |
| Return on assets (ROA) | 0.6305% | 3,869 |
| Pretax return on assets | 0.9803% | 3,206 |
| Return on Equity (ROE) | 7.1234% | 3,245 |
| Retained earnings to average equity (ytd only) | 7.1234% | 1,784 |
| Net charge-offs to loans | 0.3224% | 3,713 |
| Credit loss provision to net charge-offs | 155.4843% | 2,533 |
| Earnings coverage of net charge-offs (x) | 5.6432% | 2,625 |
| Efficiency ratio | 66.8588% | 4,802 |
| Assets per employee ($millions) | 3.7450% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 6,399 |
| Loan loss allowance to noncurrent loans | 109.0622% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.7136% | 5,706 |
| Noncurrent loans to loans | 0.9174% | 5,444 |
| Net loans and leases to total assets | 71.0176% | 2,649 |
| Net loans and leases to deposits | 94.7833% | 1,174 |
| Net loans and leases to core deposits | 112.7307% | 992 |
| Total domestic deposits to total assets | 74.9263% | 6,865 |
| Equity capital to assets | 8.8399% | 5,688 |
| Core capital (leverage) ratio | 8.6904% | 5,092 |
| Tier 1 risk-based capital ratio | 10.7886% | 6,455 |
| Total risk-based capital ratio | 11.6819% | 6,723 |
| Memoranda: | ||
| Average total assets | $1,218,410,670 | 549 |
| Average earning assets | $1,117,779,330 | 539 |
| Average equity | $107,841,330 | 605 |
| Average total loans | $871,085,330 | 515 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1290% | 4,401 |
| Cost of funding earning assets | 1.5689% | 3,146 |
| Net interest margin | 3.5601% | 4,904 |
| Noninterest income to average assets | 0.9260% | 1,529 |
| Noninterest expense to average assets | 2.7752% | 4,583 |
| Loan and lease loss provision to assets | 0.3264% | 3,448 |
| Net operating income to assets | 0.7320% | 3,295 |
| Return on assets (ROA) | 0.7376% | 3,375 |
| Pretax return on assets | 1.0913% | 2,765 |
| Return on Equity (ROE) | 8.3286% | 2,723 |
| Retained earnings to average equity (ytd only) | 8.3286% | 1,581 |
| Net charge-offs to loans | 0.2932% | 3,238 |
| Credit loss provision to net charge-offs | 155.9618% | 2,294 |
| Earnings coverage of net charge-offs (x) | 6.7345% | 2,174 |
| Efficiency ratio | 66.3195% | 5,048 |
| Assets per employee ($millions) | 3.7902% | 4,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 6,555 |
| Loan loss allowance to noncurrent loans | 87.0479% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 5,418 |
| Noncurrent loans to loans | 1.1264% | 5,112 |
| Net loans and leases to total assets | 70.2541% | 2,864 |
| Net loans and leases to deposits | 99.5188% | 790 |
| Net loans and leases to core deposits | 115.3301% | 979 |
| Total domestic deposits to total assets | 70.5938% | 7,374 |
| Equity capital to assets | 8.7599% | 5,625 |
| Core capital (leverage) ratio | 8.6302% | 5,153 |
| Tier 1 risk-based capital ratio | 10.8461% | 6,297 |
| Total risk-based capital ratio | 11.7227% | 6,650 |
| Memoranda: | ||
| Average total assets | $1,202,199,500 | 571 |
| Average earning assets | $1,100,405,000 | 561 |
| Average equity | $106,476,000 | 618 |
| Average total loans | $857,983,000 | 536 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4201% | 4,587 |
| Cost of funding earning assets | 1.9665% | 3,116 |
| Net interest margin | 3.4536% | 5,157 |
| Noninterest income to average assets | 0.9975% | 1,585 |
| Noninterest expense to average assets | 2.8779% | 4,619 |
| Loan and lease loss provision to assets | 0.1759% | 5,940 |
| Net operating income to assets | 0.7411% | 2,766 |
| Return on assets (ROA) | 0.7328% | 2,880 |
| Pretax return on assets | 1.0998% | 2,254 |
| Return on Equity (ROE) | 8.5753% | 2,171 |
| Retained earnings to average equity (ytd only) | 4.5789% | 2,051 |
| Net charge-offs to loans | 0.1900% | 5,463 |
| Credit loss provision to net charge-offs | 128.1892% | 4,030 |
| Earnings coverage of net charge-offs (x) | 9.3889% | 1,812 |
| Efficiency ratio | 69.0794% | 4,811 |
| Assets per employee ($millions) | 3.6191% | 4,736 |
| Cash dividends to net income (ytd only)* | 46.6038% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 6,505 |
| Loan loss allowance to noncurrent loans | 54.5147% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 1.3656% | 4,376 |
| Noncurrent loans to loans | 1.7901% | 3,957 |
| Net loans and leases to total assets | 71.1061% | 2,970 |
| Net loans and leases to deposits | 93.7494% | 1,630 |
| Net loans and leases to core deposits | 125.0922% | 1,572 |
| Total domestic deposits to total assets | 75.8470% | 6,707 |
| Equity capital to assets | 8.9585% | 5,210 |
| Core capital (leverage) ratio | 8.8575% | 4,667 |
| Tier 1 risk-based capital ratio | 10.9662% | 5,943 |
| Total risk-based capital ratio | 11.8356% | 6,294 |
| Memoranda: | ||
| Average total assets | $1,171,275,200 | 572 |
| Average earning assets | $1,074,627,000 | 564 |
| Average equity | $100,089,600 | 658 |
| Average total loans | $845,891,200 | 553 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4420% | 4,725 |
| Cost of funding earning assets | 2.0010% | 3,353 |
| Net interest margin | 3.4410% | 5,109 |
| Noninterest income to average assets | 0.9922% | 1,635 |
| Noninterest expense to average assets | 2.8740% | 4,554 |
| Loan and lease loss provision to assets | 0.1863% | 5,509 |
| Net operating income to assets | 0.7253% | 3,118 |
| Return on assets (ROA) | 0.6946% | 3,284 |
| Pretax return on assets | 1.0468% | 2,750 |
| Return on Equity (ROE) | 8.2277% | 2,545 |
| Retained earnings to average equity (ytd only) | 4.8557% | 2,580 |
| Net charge-offs to loans | 0.2012% | 4,796 |
| Credit loss provision to net charge-offs | 128.0125% | 3,919 |
| Earnings coverage of net charge-offs (x) | 8.7934% | 2,197 |
| Efficiency ratio | 69.1924% | 4,748 |
| Assets per employee ($millions) | 3.6123% | 4,655 |
| Cash dividends to net income (ytd only)* | 40.9836% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 6,553 |
| Loan loss allowance to noncurrent loans | 65.1010% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.1559% | 4,767 |
| Noncurrent loans to loans | 1.4570% | 4,493 |
| Net loans and leases to total assets | 72.6948% | 2,860 |
| Net loans and leases to deposits | 99.9159% | 1,111 |
| Net loans and leases to core deposits | 136.2474% | 1,086 |
| Total domestic deposits to total assets | 72.7560% | 7,111 |
| Equity capital to assets | 8.7348% | 5,903 |
| Core capital (leverage) ratio | 8.5659% | 5,359 |
| Tier 1 risk-based capital ratio | 10.4240% | 6,551 |
| Total risk-based capital ratio | 11.2739% | 6,910 |
| Memoranda: | ||
| Average total assets | $1,170,944,750 | 580 |
| Average earning assets | $1,075,784,000 | 577 |
| Average equity | $98,850,250 | 670 |
| Average total loans | $846,862,750 | 566 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4331% | 4,983 |
| Cost of funding earning assets | 1.9966% | 3,797 |
| Net interest margin | 3.4365% | 5,039 |
| Noninterest income to average assets | 0.9690% | 1,694 |
| Noninterest expense to average assets | 2.8292% | 4,828 |
| Loan and lease loss provision to assets | 0.2206% | 4,828 |
| Net operating income to assets | 0.7028% | 3,241 |
| Return on assets (ROA) | 0.8044% | 2,932 |
| Pretax return on assets | 1.2355% | 2,207 |
| Return on Equity (ROE) | 9.6393% | 2,153 |
| Retained earnings to average equity (ytd only) | 6.5727% | 1,758 |
| Net charge-offs to loans | 0.2136% | 4,175 |
| Credit loss provision to net charge-offs | 143.5072% | 3,235 |
| Earnings coverage of net charge-offs (x) | 8.4562% | 2,255 |
| Efficiency ratio | 68.5204% | 5,064 |
| Assets per employee ($millions) | 3.6030% | 4,564 |
| Cash dividends to net income (ytd only)* | 31.8134% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 6,574 |
| Loan loss allowance to noncurrent loans | 71.3476% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.0523% | 4,864 |
| Noncurrent loans to loans | 1.3259% | 4,561 |
| Net loans and leases to total assets | 72.9673% | 2,960 |
| Net loans and leases to deposits | 100.5498% | 1,230 |
| Net loans and leases to core deposits | 129.0568% | 1,646 |
| Total domestic deposits to total assets | 72.5683% | 7,174 |
| Equity capital to assets | 8.5201% | 6,016 |
| Core capital (leverage) ratio | 8.4473% | 5,531 |
| Tier 1 risk-based capital ratio | 10.2044% | 6,707 |
| Total risk-based capital ratio | 11.0475% | 7,086 |
| Memoranda: | ||
| Average total assets | $1,172,334,670 | 591 |
| Average earning assets | $1,078,014,330 | 589 |
| Average equity | $97,828,670 | 685 |
| Average total loans | $843,714,670 | 581 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5694% | 4,528 |
| Cost of funding earning assets | 2.0139% | 4,064 |
| Net interest margin | 3.5554% | 4,502 |
| Noninterest income to average assets | 0.8384% | 2,133 |
| Noninterest expense to average assets | 2.8227% | 4,457 |
| Loan and lease loss provision to assets | 0.1417% | 5,133 |
| Net operating income to assets | 0.7286% | 3,430 |
| Return on assets (ROA) | 0.8528% | 3,053 |
| Pretax return on assets | 1.3378% | 2,160 |
| Return on Equity (ROE) | 10.3283% | 2,186 |
| Retained earnings to average equity (ytd only) | 10.3283% | 1,111 |
| Net charge-offs to loans | 0.1561% | 3,714 |
| Credit loss provision to net charge-offs | 127.6923% | 3,127 |
| Earnings coverage of net charge-offs (x) | 11.5815% | 1,866 |
| Efficiency ratio | 68.7090% | 4,835 |
| Assets per employee ($millions) | 3.6569% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 6,563 |
| Loan loss allowance to noncurrent loans | 174.4634% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 6,197 |
| Noncurrent loans to loans | 0.5378% | 6,069 |
| Net loans and leases to total assets | 71.1268% | 3,441 |
| Net loans and leases to deposits | 98.1295% | 1,643 |
| Net loans and leases to core deposits | 127.8817% | 1,792 |
| Total domestic deposits to total assets | 72.4826% | 7,134 |
| Equity capital to assets | 8.4145% | 6,210 |
| Core capital (leverage) ratio | 8.2482% | 6,003 |
| Tier 1 risk-based capital ratio | 10.1824% | 6,734 |
| Total risk-based capital ratio | 11.0154% | 7,089 |
| Memoranda: | ||
| Average total assets | $1,171,211,500 | 598 |
| Average earning assets | $1,077,108,500 | 590 |
| Average equity | $96,705,000 | 692 |
| Average total loans | $832,949,500 | 592 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2192% | 4,417 |
| Cost of funding earning assets | 2.6648% | 3,340 |
| Net interest margin | 3.5544% | 5,075 |
| Noninterest income to average assets | 0.9264% | 1,871 |
| Noninterest expense to average assets | 2.9546% | 4,244 |
| Loan and lease loss provision to assets | 0.1605% | 5,326 |
| Net operating income to assets | 0.7168% | 3,816 |
| Return on assets (ROA) | 0.7878% | 3,331 |
| Pretax return on assets | 1.1697% | 2,768 |
| Return on Equity (ROE) | 9.5735% | 2,410 |
| Retained earnings to average equity (ytd only) | 4.7563% | 2,183 |
| Net charge-offs to loans | -0.0961% | 8,087 |
| Credit loss provision to net charge-offs | -231.1024% | 7,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7048% | 4,200 |
| Assets per employee ($millions) | 3.6746% | 4,225 |
| Cash dividends to net income (ytd only)* | 50.3181% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 6,414 |
| Loan loss allowance to noncurrent loans | 190.4727% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 6,121 |
| Noncurrent loans to loans | 0.4970% | 5,856 |
| Net loans and leases to total assets | 69.7710% | 4,066 |
| Net loans and leases to deposits | 100.6825% | 1,759 |
| Net loans and leases to core deposits | 122.7340% | 2,425 |
| Total domestic deposits to total assets | 69.2981% | 7,352 |
| Equity capital to assets | 8.0994% | 6,698 |
| Core capital (leverage) ratio | 7.9975% | 6,498 |
| Tier 1 risk-based capital ratio | 10.5238% | 6,186 |
| Total risk-based capital ratio | 11.4016% | 6,436 |
| Memoranda: | ||
| Average total assets | $1,097,322,800 | 605 |
| Average earning assets | $1,004,050,000 | 596 |
| Average equity | $90,301,400 | 739 |
| Average total loans | $793,191,400 | 599 |