Home > IAB Financial Bank > Performance and Condition Ratios
IAB Financial Bank, Performance and Condition Ratios
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6534% | 4,357 |
| Cost of funding earning assets | 0.3650% | 3,428 |
| Net interest margin | 3.2884% | 4,146 |
| Noninterest income to average assets | 0.8148% | 1,517 |
| Noninterest expense to average assets | 2.5476% | 3,592 |
| Loan and lease loss provision to assets | 0.0831% | 2,325 |
| Net operating income to assets | 0.9351% | 2,743 |
| Return on assets (ROA) | 0.9431% | 2,757 |
| Pretax return on assets | 1.2501% | 2,578 |
| Return on Equity (ROE) | 7.8406% | 3,128 |
| Retained earnings to average equity (ytd only) | 4.8081% | 2,841 |
| Net charge-offs to loans | 0.0513% | 2,193 |
| Credit loss provision to net charge-offs | 233.1606% | 1,128 |
| Earnings coverage of net charge-offs (x) | 37.1192% | 1,309 |
| Efficiency ratio | 65.6141% | 3,407 |
| Assets per employee ($millions) | 4.7037% | 2,786 |
| Cash dividends to net income (ytd only)* | 38.6768% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4116% | 1,902 |
| Loan loss allowance to noncurrent loans | 221.4895% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.4424% | 3,340 |
| Noncurrent loans to loans | 0.6373% | 2,820 |
| Net loans and leases to total assets | 68.4349% | 2,746 |
| Net loans and leases to deposits | 85.9068% | 2,236 |
| Net loans and leases to core deposits | 88.5121% | 2,656 |
| Total domestic deposits to total assets | 79.6618% | 4,490 |
| Equity capital to assets | 12.2248% | 1,774 |
| Core capital (leverage) ratio | 10.9346% | 2,475 |
| Tier 1 risk-based capital ratio | 13.9681% | 3,441 |
| Total risk-based capital ratio | 15.2184% | 3,363 |
| Memoranda: | ||
| Average total assets | $1,083,453,000 | 690 |
| Average earning assets | $1,006,620,670 | 680 |
| Average equity | $130,321,670 | 635 |
| Average total loans | $752,071,000 | 703 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6182% | 4,371 |
| Cost of funding earning assets | 0.3577% | 3,448 |
| Net interest margin | 3.2605% | 4,132 |
| Noninterest income to average assets | 0.7801% | 1,622 |
| Noninterest expense to average assets | 2.6047% | 3,483 |
| Loan and lease loss provision to assets | 0.0832% | 2,150 |
| Net operating income to assets | 0.8654% | 2,924 |
| Return on assets (ROA) | 0.8748% | 2,937 |
| Pretax return on assets | 1.1306% | 2,860 |
| Return on Equity (ROE) | 7.3326% | 3,243 |
| Retained earnings to average equity (ytd only) | 4.2768% | 3,300 |
| Net charge-offs to loans | -0.0059% | 4,232 |
| Credit loss provision to net charge-offs | -2,045.4545% | 4,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2176% | 3,158 |
| Assets per employee ($millions) | 4.5191% | 3,141 |
| Cash dividends to net income (ytd only)* | 41.6737% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 1,977 |
| Loan loss allowance to noncurrent loans | 219.5455% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 3,376 |
| Noncurrent loans to loans | 0.6484% | 2,885 |
| Net loans and leases to total assets | 68.1332% | 2,660 |
| Net loans and leases to deposits | 85.2178% | 2,126 |
| Net loans and leases to core deposits | 88.7058% | 2,477 |
| Total domestic deposits to total assets | 79.9518% | 4,626 |
| Equity capital to assets | 12.0629% | 1,788 |
| Core capital (leverage) ratio | 10.8608% | 2,526 |
| Tier 1 risk-based capital ratio | 13.8550% | 3,570 |
| Total risk-based capital ratio | 15.1069% | 3,481 |
| Memoranda: | ||
| Average total assets | $1,081,902,500 | 696 |
| Average earning assets | $1,004,148,500 | 687 |
| Average equity | $129,068,000 | 636 |
| Average total loans | $750,992,000 | 705 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6682% | 4,316 |
| Cost of funding earning assets | 0.3815% | 3,185 |
| Net interest margin | 3.2867% | 4,183 |
| Noninterest income to average assets | 0.8895% | 1,447 |
| Noninterest expense to average assets | 2.7063% | 3,326 |
| Loan and lease loss provision to assets | 0.0747% | 2,857 |
| Net operating income to assets | 0.8886% | 2,885 |
| Return on assets (ROA) | 0.9035% | 2,916 |
| Pretax return on assets | 1.1720% | 2,794 |
| Return on Equity (ROE) | 7.5666% | 3,186 |
| Retained earnings to average equity (ytd only) | 4.5323% | 2,677 |
| Net charge-offs to loans | 0.0551% | 2,940 |
| Credit loss provision to net charge-offs | 196.7980% | 1,435 |
| Earnings coverage of net charge-offs (x) | 32.3350% | 1,365 |
| Efficiency ratio | 68.5832% | 3,153 |
| Assets per employee ($millions) | 4.3177% | 3,412 |
| Cash dividends to net income (ytd only)* | 40.1014% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 2,194 |
| Loan loss allowance to noncurrent loans | 254.5321% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.3871% | 3,723 |
| Noncurrent loans to loans | 0.5403% | 3,229 |
| Net loans and leases to total assets | 68.7513% | 2,656 |
| Net loans and leases to deposits | 86.4510% | 2,110 |
| Net loans and leases to core deposits | 89.6881% | 2,534 |
| Total domestic deposits to total assets | 79.5263% | 4,673 |
| Equity capital to assets | 11.7970% | 1,935 |
| Core capital (leverage) ratio | 10.3247% | 3,078 |
| Tier 1 risk-based capital ratio | 13.4847% | 3,776 |
| Total risk-based capital ratio | 14.7190% | 3,684 |
| Memoranda: | ||
| Average total assets | $1,069,551,400 | 676 |
| Average earning assets | $990,630,200 | 671 |
| Average equity | $127,705,400 | 629 |
| Average total loans | $737,399,600 | 678 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6693% | 4,349 |
| Cost of funding earning assets | 0.3771% | 3,257 |
| Net interest margin | 3.2921% | 4,210 |
| Noninterest income to average assets | 0.8676% | 1,523 |
| Noninterest expense to average assets | 2.6787% | 3,405 |
| Loan and lease loss provision to assets | 0.0833% | 2,547 |
| Net operating income to assets | 0.8916% | 2,953 |
| Return on assets (ROA) | 0.9029% | 3,032 |
| Pretax return on assets | 1.1686% | 2,974 |
| Return on Equity (ROE) | 7.5391% | 3,275 |
| Retained earnings to average equity (ytd only) | 4.5168% | 3,126 |
| Net charge-offs to loans | -0.0013% | 4,451 |
| Credit loss provision to net charge-offs | -9,514.2857% | 5,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1913% | 3,192 |
| Assets per employee ($millions) | 4.2240% | 3,553 |
| Cash dividends to net income (ytd only)* | 40.0887% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 2,132 |
| Loan loss allowance to noncurrent loans | 206.4229% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.5933% | 3,134 |
| Noncurrent loans to loans | 0.6858% | 2,978 |
| Net loans and leases to total assets | 68.7179% | 2,695 |
| Net loans and leases to deposits | 87.2841% | 2,107 |
| Net loans and leases to core deposits | 91.8217% | 2,402 |
| Total domestic deposits to total assets | 78.7291% | 4,784 |
| Equity capital to assets | 12.0351% | 2,095 |
| Core capital (leverage) ratio | 10.5348% | 2,960 |
| Tier 1 risk-based capital ratio | 13.3670% | 3,940 |
| Total risk-based capital ratio | 14.6180% | 3,855 |
| Memoranda: | ||
| Average total assets | $1,066,001,500 | 677 |
| Average earning assets | $987,061,250 | 671 |
| Average equity | $127,669,250 | 630 |
| Average total loans | $732,878,750 | 682 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6925% | 4,320 |
| Cost of funding earning assets | 0.3853% | 3,205 |
| Net interest margin | 3.3073% | 4,204 |
| Noninterest income to average assets | 0.8191% | 1,643 |
| Noninterest expense to average assets | 2.6555% | 3,530 |
| Loan and lease loss provision to assets | 0.0754% | 2,626 |
| Net operating income to assets | 0.8918% | 2,900 |
| Return on assets (ROA) | 0.9091% | 2,951 |
| Pretax return on assets | 1.1722% | 2,892 |
| Return on Equity (ROE) | 7.6030% | 3,202 |
| Retained earnings to average equity (ytd only) | 4.5851% | 2,989 |
| Net charge-offs to loans | -0.0033% | 4,451 |
| Credit loss provision to net charge-offs | -3,333.3333% | 5,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2032% | 3,300 |
| Assets per employee ($millions) | 4.1661% | 3,629 |
| Cash dividends to net income (ytd only)* | 39.6931% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 2,312 |
| Loan loss allowance to noncurrent loans | 184.3606% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 3,129 |
| Noncurrent loans to loans | 0.7573% | 2,847 |
| Net loans and leases to total assets | 67.8638% | 2,798 |
| Net loans and leases to deposits | 90.7625% | 1,660 |
| Net loans and leases to core deposits | 94.2518% | 2,141 |
| Total domestic deposits to total assets | 74.7708% | 5,439 |
| Equity capital to assets | 11.9330% | 2,171 |
| Core capital (leverage) ratio | 10.4002% | 3,078 |
| Tier 1 risk-based capital ratio | 13.2913% | 4,024 |
| Total risk-based capital ratio | 14.5420% | 3,941 |
| Memoranda: | ||
| Average total assets | $1,060,887,000 | 678 |
| Average earning assets | $982,194,670 | 675 |
| Average equity | $126,845,330 | 635 |
| Average total loans | $725,922,330 | 691 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7296% | 4,214 |
| Cost of funding earning assets | 0.3998% | 3,068 |
| Net interest margin | 3.3297% | 4,110 |
| Noninterest income to average assets | 0.7789% | 1,699 |
| Noninterest expense to average assets | 2.6155% | 3,702 |
| Loan and lease loss provision to assets | 0.0762% | 2,432 |
| Net operating income to assets | 0.9057% | 2,724 |
| Return on assets (ROA) | 0.9057% | 2,848 |
| Pretax return on assets | 1.1683% | 2,823 |
| Return on Equity (ROE) | 7.5677% | 3,151 |
| Retained earnings to average equity (ytd only) | 4.5909% | 3,180 |
| Net charge-offs to loans | -0.0084% | 4,459 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5420% | 3,538 |
| Assets per employee ($millions) | 3.9423% | 4,055 |
| Cash dividends to net income (ytd only)* | 39.3353% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 2,325 |
| Loan loss allowance to noncurrent loans | 198.4068% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 3,272 |
| Noncurrent loans to loans | 0.7166% | 3,043 |
| Net loans and leases to total assets | 67.2696% | 2,767 |
| Net loans and leases to deposits | 85.1048% | 2,182 |
| Net loans and leases to core deposits | 89.6663% | 2,406 |
| Total domestic deposits to total assets | 79.0433% | 4,960 |
| Equity capital to assets | 12.0625% | 1,984 |
| Core capital (leverage) ratio | 10.4997% | 2,963 |
| Tier 1 risk-based capital ratio | 13.5598% | 3,943 |
| Total risk-based capital ratio | 14.8105% | 3,875 |
| Memoranda: | ||
| Average total assets | $1,049,740,500 | 685 |
| Average earning assets | $971,369,000 | 685 |
| Average equity | $125,640,000 | 642 |
| Average total loans | $716,135,500 | 697 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7717% | 4,130 |
| Cost of funding earning assets | 0.4295% | 2,852 |
| Net interest margin | 3.3423% | 4,141 |
| Noninterest income to average assets | 0.7198% | 2,104 |
| Noninterest expense to average assets | 2.6654% | 3,710 |
| Loan and lease loss provision to assets | 0.0383% | 3,572 |
| Net operating income to assets | 0.8633% | 3,050 |
| Return on assets (ROA) | 0.8717% | 3,096 |
| Pretax return on assets | 1.1037% | 3,037 |
| Return on Equity (ROE) | 7.2818% | 3,373 |
| Retained earnings to average equity (ytd only) | -10.5439% | 6,044 |
| Net charge-offs to loans | 0.0652% | 2,928 |
| Credit loss provision to net charge-offs | 86.6667% | 2,822 |
| Earnings coverage of net charge-offs (x) | 25.6133% | 1,626 |
| Efficiency ratio | 69.9889% | 3,229 |
| Assets per employee ($millions) | 4.1216% | 3,712 |
| Cash dividends to net income (ytd only)* | 244.7973% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 2,417 |
| Loan loss allowance to noncurrent loans | 196.6365% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5979% | 3,289 |
| Noncurrent loans to loans | 0.7121% | 3,052 |
| Net loans and leases to total assets | 67.2457% | 2,829 |
| Net loans and leases to deposits | 87.4734% | 1,936 |
| Net loans and leases to core deposits | 91.3693% | 2,288 |
| Total domestic deposits to total assets | 76.8756% | 5,336 |
| Equity capital to assets | 11.8743% | 2,050 |
| Core capital (leverage) ratio | 10.2875% | 3,168 |
| Tier 1 risk-based capital ratio | 13.1050% | 4,243 |
| Total risk-based capital ratio | 14.3219% | 4,180 |
| Memoranda: | ||
| Average total assets | $1,018,723,400 | 676 |
| Average earning assets | $937,868,000 | 674 |
| Average equity | $121,947,400 | 626 |
| Average total loans | $690,279,000 | 674 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7883% | 4,128 |
| Cost of funding earning assets | 0.4363% | 2,837 |
| Net interest margin | 3.3521% | 4,133 |
| Noninterest income to average assets | 0.7049% | 2,208 |
| Noninterest expense to average assets | 2.6838% | 3,616 |
| Loan and lease loss provision to assets | 0.0514% | 3,175 |
| Net operating income to assets | 0.8385% | 3,229 |
| Return on assets (ROA) | 0.8499% | 3,261 |
| Pretax return on assets | 1.0664% | 3,345 |
| Return on Equity (ROE) | 7.0853% | 3,578 |
| Retained earnings to average equity (ytd only) | -15.7735% | 6,179 |
| Net charge-offs to loans | 0.0362% | 3,180 |
| Credit loss provision to net charge-offs | 209.6774% | 1,292 |
| Earnings coverage of net charge-offs (x) | 45.0222% | 1,129 |
| Efficiency ratio | 70.6521% | 3,105 |
| Assets per employee ($millions) | 4.0607% | 3,779 |
| Cash dividends to net income (ytd only)* | 322.6237% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 2,256 |
| Loan loss allowance to noncurrent loans | 210.8280% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.5985% | 3,478 |
| Noncurrent loans to loans | 0.7001% | 3,229 |
| Net loans and leases to total assets | 66.1487% | 2,980 |
| Net loans and leases to deposits | 83.4061% | 2,471 |
| Net loans and leases to core deposits | 87.0267% | 2,747 |
| Total domestic deposits to total assets | 79.3092% | 4,910 |
| Equity capital to assets | 11.9158% | 2,171 |
| Core capital (leverage) ratio | 10.4173% | 3,149 |
| Tier 1 risk-based capital ratio | 13.1460% | 4,348 |
| Total risk-based capital ratio | 14.3969% | 4,270 |
| Memoranda: | ||
| Average total assets | $1,011,682,250 | 686 |
| Average earning assets | $930,306,500 | 685 |
| Average equity | $121,356,500 | 634 |
| Average total loans | $684,352,750 | 682 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8018% | 4,063 |
| Cost of funding earning assets | 0.4422% | 2,813 |
| Net interest margin | 3.3595% | 4,057 |
| Noninterest income to average assets | 0.6968% | 2,227 |
| Noninterest expense to average assets | 2.7411% | 3,445 |
| Loan and lease loss provision to assets | 0.1076% | 2,031 |
| Net operating income to assets | 0.7632% | 3,575 |
| Return on assets (ROA) | 0.7809% | 3,588 |
| Pretax return on assets | 0.9544% | 3,755 |
| Return on Equity (ROE) | 6.4948% | 3,885 |
| Retained earnings to average equity (ytd only) | -26.4434% | 6,292 |
| Net charge-offs to loans | 0.0261% | 3,157 |
| Credit loss provision to net charge-offs | 606.7416% | 544 |
| Earnings coverage of net charge-offs (x) | 58.6742% | 853 |
| Efficiency ratio | 72.2904% | 2,964 |
| Assets per employee ($millions) | 4.0876% | 3,707 |
| Cash dividends to net income (ytd only)* | 507.1447% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 2,245 |
| Loan loss allowance to noncurrent loans | 157.0703% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.7617% | 3,099 |
| Noncurrent loans to loans | 0.9623% | 2,725 |
| Net loans and leases to total assets | 66.7371% | 2,833 |
| Net loans and leases to deposits | 87.0506% | 1,937 |
| Net loans and leases to core deposits | 91.9835% | 2,163 |
| Total domestic deposits to total assets | 76.6647% | 5,508 |
| Equity capital to assets | 11.7648% | 2,189 |
| Core capital (leverage) ratio | 10.1837% | 3,356 |
| Tier 1 risk-based capital ratio | 13.6108% | 4,154 |
| Total risk-based capital ratio | 14.8628% | 4,082 |
| Memoranda: | ||
| Average total assets | $1,003,750,670 | 694 |
| Average earning assets | $921,679,330 | 692 |
| Average equity | $120,680,330 | 642 |
| Average total loans | $680,731,670 | 679 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8539% | 3,811 |
| Cost of funding earning assets | 0.4452% | 2,823 |
| Net interest margin | 3.4087% | 3,811 |
| Noninterest income to average assets | 0.6774% | 2,265 |
| Noninterest expense to average assets | 2.7648% | 3,366 |
| Loan and lease loss provision to assets | 0.0870% | 2,243 |
| Net operating income to assets | 0.7713% | 3,413 |
| Return on assets (ROA) | 0.7713% | 3,551 |
| Pretax return on assets | 0.9450% | 3,718 |
| Return on Equity (ROE) | 6.3447% | 3,855 |
| Retained earnings to average equity (ytd only) | -56.4491% | 6,391 |
| Net charge-offs to loans | 0.0125% | 2,938 |
| Credit loss provision to net charge-offs | 1,028.5714% | 327 |
| Earnings coverage of net charge-offs (x) | 121.9524% | 419 |
| Efficiency ratio | 72.6597% | 3,059 |
| Assets per employee ($millions) | 4.1067% | 3,749 |
| Cash dividends to net income (ytd only)* | 989.7074% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 2,495 |
| Loan loss allowance to noncurrent loans | 186.1293% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6546% | 3,537 |
| Noncurrent loans to loans | 0.7992% | 3,244 |
| Net loans and leases to total assets | 66.1318% | 2,745 |
| Net loans and leases to deposits | 84.4114% | 2,017 |
| Net loans and leases to core deposits | 89.6019% | 2,166 |
| Total domestic deposits to total assets | 78.3447% | 5,380 |
| Equity capital to assets | 11.8179% | 2,176 |
| Core capital (leverage) ratio | 10.3767% | 3,127 |
| Tier 1 risk-based capital ratio | 13.6542% | 4,247 |
| Total risk-based capital ratio | 14.9060% | 4,149 |
| Memoranda: | ||
| Average total assets | $992,634,000 | 699 |
| Average earning assets | $908,387,000 | 700 |
| Average equity | $120,668,000 | 638 |
| Average total loans | $673,487,500 | 687 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0790% | 3,404 |
| Cost of funding earning assets | 0.5768% | 1,986 |
| Net interest margin | 3.5021% | 3,779 |
| Noninterest income to average assets | 0.7806% | 1,950 |
| Noninterest expense to average assets | 2.6948% | 3,877 |
| Loan and lease loss provision to assets | 0.1264% | 2,072 |
| Net operating income to assets | 0.9169% | 2,794 |
| Return on assets (ROA) | 0.9280% | 2,827 |
| Pretax return on assets | 1.1782% | 2,741 |
| Return on Equity (ROE) | 7.5448% | 3,352 |
| Retained earnings to average equity (ytd only) | 4.3671% | 3,073 |
| Net charge-offs to loans | 0.1645% | 2,386 |
| Credit loss provision to net charge-offs | 110.9057% | 2,152 |
| Earnings coverage of net charge-offs (x) | 11.3253% | 2,506 |
| Efficiency ratio | 67.2181% | 4,027 |
| Assets per employee ($millions) | 3.7592% | 4,429 |
| Cash dividends to net income (ytd only)* | 42.1178% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 2,346 |
| Loan loss allowance to noncurrent loans | 187.9462% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.7089% | 3,446 |
| Noncurrent loans to loans | 0.8135% | 3,285 |
| Net loans and leases to total assets | 67.5685% | 2,633 |
| Net loans and leases to deposits | 88.6151% | 1,661 |
| Net loans and leases to core deposits | 93.7565% | 1,939 |
| Total domestic deposits to total assets | 76.2494% | 5,697 |
| Equity capital to assets | 12.5189% | 1,638 |
| Core capital (leverage) ratio | 10.7884% | 2,628 |
| Tier 1 risk-based capital ratio | 14.4550% | 3,804 |
| Total risk-based capital ratio | 15.7075% | 3,740 |
| Memoranda: | ||
| Average total assets | $949,484,000 | 706 |
| Average earning assets | $868,871,400 | 706 |
| Average equity | $116,782,400 | 621 |
| Average total loans | $657,909,000 | 660 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0877% | 3,427 |
| Cost of funding earning assets | 0.6092% | 1,757 |
| Net interest margin | 3.4785% | 3,906 |
| Noninterest income to average assets | 0.7809% | 1,966 |
| Noninterest expense to average assets | 2.7189% | 3,754 |
| Loan and lease loss provision to assets | 0.1900% | 1,277 |
| Net operating income to assets | 0.8472% | 3,191 |
| Return on assets (ROA) | 0.8622% | 3,205 |
| Pretax return on assets | 1.0722% | 3,289 |
| Return on Equity (ROE) | 7.0414% | 3,696 |
| Retained earnings to average equity (ytd only) | 3.8478% | 3,914 |
| Net charge-offs to loans | 0.1901% | 1,944 |
| Credit loss provision to net charge-offs | 143.9232% | 1,638 |
| Earnings coverage of net charge-offs (x) | 9.4179% | 2,676 |
| Efficiency ratio | 68.0817% | 3,840 |
| Assets per employee ($millions) | 3.5813% | 4,715 |
| Cash dividends to net income (ytd only)* | 45.3551% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 2,374 |
| Loan loss allowance to noncurrent loans | 151.2199% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.8751% | 3,243 |
| Noncurrent loans to loans | 1.0451% | 2,982 |
| Net loans and leases to total assets | 68.1759% | 2,503 |
| Net loans and leases to deposits | 86.3005% | 1,875 |
| Net loans and leases to core deposits | 93.0097% | 1,952 |
| Total domestic deposits to total assets | 78.9983% | 5,329 |
| Equity capital to assets | 12.5133% | 1,691 |
| Core capital (leverage) ratio | 10.7710% | 2,727 |
| Tier 1 risk-based capital ratio | 14.2948% | 4,031 |
| Total risk-based capital ratio | 15.5479% | 3,947 |
| Memoranda: | ||
| Average total assets | $947,209,000 | 709 |
| Average earning assets | $866,320,500 | 710 |
| Average equity | $115,977,000 | 620 |
| Average total loans | $657,946,750 | 657 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0228% | 3,642 |
| Cost of funding earning assets | 0.6489% | 1,523 |
| Net interest margin | 3.3739% | 4,293 |
| Noninterest income to average assets | 0.7652% | 1,984 |
| Noninterest expense to average assets | 2.7715% | 3,603 |
| Loan and lease loss provision to assets | 0.1899% | 1,282 |
| Net operating income to assets | 0.7475% | 3,581 |
| Return on assets (ROA) | 0.7567% | 3,636 |
| Pretax return on assets | 0.9008% | 3,883 |
| Return on Equity (ROE) | 6.2257% | 4,040 |
| Retained earnings to average equity (ytd only) | 3.0243% | 4,282 |
| Net charge-offs to loans | 0.2826% | 1,408 |
| Credit loss provision to net charge-offs | 96.6702% | 2,068 |
| Earnings coverage of net charge-offs (x) | 5.4962% | 2,918 |
| Efficiency ratio | 71.1358% | 3,482 |
| Assets per employee ($millions) | 3.7225% | 4,410 |
| Cash dividends to net income (ytd only)* | 51.4222% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 2,965 |
| Loan loss allowance to noncurrent loans | 149.3518% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.8411% | 3,453 |
| Noncurrent loans to loans | 0.9959% | 3,244 |
| Net loans and leases to total assets | 68.3289% | 2,365 |
| Net loans and leases to deposits | 86.9973% | 1,708 |
| Net loans and leases to core deposits | 94.4092% | 1,740 |
| Total domestic deposits to total assets | 78.5414% | 5,544 |
| Equity capital to assets | 12.1798% | 1,862 |
| Core capital (leverage) ratio | 10.4313% | 3,040 |
| Tier 1 risk-based capital ratio | 13.8652% | 4,337 |
| Total risk-based capital ratio | 15.1173% | 4,293 |
| Memoranda: | ||
| Average total assets | $947,786,670 | 707 |
| Average earning assets | $866,961,000 | 702 |
| Average equity | $115,199,330 | 617 |
| Average total loans | $658,949,670 | 648 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0022% | 3,674 |
| Cost of funding earning assets | 0.6613% | 1,502 |
| Net interest margin | 3.3409% | 4,367 |
| Noninterest income to average assets | 0.7350% | 2,014 |
| Noninterest expense to average assets | 2.8317% | 3,451 |
| Loan and lease loss provision to assets | 0.1912% | 1,238 |
| Net operating income to assets | 0.6687% | 3,848 |
| Return on assets (ROA) | 0.6874% | 3,828 |
| Pretax return on assets | 0.7856% | 4,164 |
| Return on Equity (ROE) | 5.6617% | 4,201 |
| Retained earnings to average equity (ytd only) | 2.4284% | 4,616 |
| Net charge-offs to loans | 0.2277% | 1,410 |
| Credit loss provision to net charge-offs | 120.6434% | 1,453 |
| Earnings coverage of net charge-offs (x) | 6.0295% | 2,293 |
| Efficiency ratio | 73.5024% | 3,228 |
| Assets per employee ($millions) | 3.4523% | 5,031 |
| Cash dividends to net income (ytd only)* | 57.1075% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 2,920 |
| Loan loss allowance to noncurrent loans | 123.2738% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 1.1639% | 2,933 |
| Noncurrent loans to loans | 1.2580% | 2,934 |
| Net loans and leases to total assets | 67.9630% | 2,227 |
| Net loans and leases to deposits | 88.7341% | 1,282 |
| Net loans and leases to core deposits | 95.9842% | 1,387 |
| Total domestic deposits to total assets | 76.5918% | 6,013 |
| Equity capital to assets | 12.2995% | 1,688 |
| Core capital (leverage) ratio | 10.6778% | 2,727 |
| Tier 1 risk-based capital ratio | 14.1033% | 4,263 |
| Total risk-based capital ratio | 15.3563% | 4,211 |
| Memoranda: | ||
| Average total assets | $941,483,500 | 723 |
| Average earning assets | $860,121,500 | 714 |
| Average equity | $114,312,000 | 624 |
| Average total loans | $655,357,500 | 655 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 3,548 |
| Cost of funding earning assets | 0.7483% | 1,506 |
| Net interest margin | 3.3993% | 4,276 |
| Noninterest income to average assets | 0.8262% | 1,956 |
| Noninterest expense to average assets | 2.6962% | 4,113 |
| Loan and lease loss provision to assets | 0.2719% | 1,297 |
| Net operating income to assets | 0.7925% | 3,328 |
| Return on assets (ROA) | 0.7969% | 3,401 |
| Pretax return on assets | 0.9719% | 3,468 |
| Return on Equity (ROE) | 6.5812% | 3,783 |
| Retained earnings to average equity (ytd only) | 2.1121% | 4,739 |
| Net charge-offs to loans | 0.5999% | 1,093 |
| Credit loss provision to net charge-offs | 65.4731% | 3,420 |
| Earnings coverage of net charge-offs (x) | 2.9824% | 3,999 |
| Efficiency ratio | 67.3037% | 4,323 |
| Assets per employee ($millions) | 3.5886% | 4,712 |
| Cash dividends to net income (ytd only)* | 67.9062% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4949% | 3,217 |
| Loan loss allowance to noncurrent loans | 118.5897% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 1.0386% | 3,346 |
| Noncurrent loans to loans | 1.2606% | 3,022 |
| Net loans and leases to total assets | 69.1282% | 2,153 |
| Net loans and leases to deposits | 91.9092% | 1,061 |
| Net loans and leases to core deposits | 99.2202% | 1,215 |
| Total domestic deposits to total assets | 75.2136% | 6,169 |
| Equity capital to assets | 11.9858% | 1,815 |
| Core capital (leverage) ratio | 10.5493% | 2,851 |
| Tier 1 risk-based capital ratio | 13.6213% | 4,571 |
| Total risk-based capital ratio | 14.8736% | 4,515 |
| Memoranda: | ||
| Average total assets | $941,530,000 | 703 |
| Average earning assets | $860,990,200 | 693 |
| Average equity | $114,007,400 | 621 |
| Average total loans | $651,782,800 | 647 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 3,465 |
| Cost of funding earning assets | 0.7594% | 1,542 |
| Net interest margin | 3.4188% | 4,215 |
| Noninterest income to average assets | 0.7839% | 2,234 |
| Noninterest expense to average assets | 2.6768% | 4,108 |
| Loan and lease loss provision to assets | 0.3064% | 1,108 |
| Net operating income to assets | 0.7717% | 3,502 |
| Return on assets (ROA) | 0.7769% | 3,603 |
| Pretax return on assets | 0.9340% | 3,745 |
| Return on Equity (ROE) | 6.4001% | 3,978 |
| Retained earnings to average equity (ytd only) | 2.4056% | 4,889 |
| Net charge-offs to loans | 0.3092% | 1,992 |
| Credit loss provision to net charge-offs | 143.6170% | 1,637 |
| Earnings coverage of net charge-offs (x) | 5.7846% | 3,103 |
| Efficiency ratio | 67.2179% | 4,256 |
| Assets per employee ($millions) | 3.5172% | 4,813 |
| Cash dividends to net income (ytd only)* | 62.4132% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 2,222 |
| Loan loss allowance to noncurrent loans | 91.5185% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.5729% | 2,575 |
| Noncurrent loans to loans | 1.9946% | 2,252 |
| Net loans and leases to total assets | 68.1555% | 2,269 |
| Net loans and leases to deposits | 89.6321% | 1,208 |
| Net loans and leases to core deposits | 98.5173% | 1,200 |
| Total domestic deposits to total assets | 76.0391% | 6,162 |
| Equity capital to assets | 12.0587% | 1,882 |
| Core capital (leverage) ratio | 10.5404% | 2,963 |
| Tier 1 risk-based capital ratio | 13.8237% | 4,557 |
| Total risk-based capital ratio | 15.0798% | 4,504 |
| Memoranda: | ||
| Average total assets | $940,066,000 | 706 |
| Average earning assets | $859,768,250 | 694 |
| Average equity | $114,121,250 | 624 |
| Average total loans | $648,516,000 | 648 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1977% | 3,378 |
| Cost of funding earning assets | 0.7654% | 1,616 |
| Net interest margin | 3.4323% | 4,066 |
| Noninterest income to average assets | 0.7723% | 2,313 |
| Noninterest expense to average assets | 2.6720% | 4,135 |
| Loan and lease loss provision to assets | 0.3961% | 792 |
| Net operating income to assets | 0.7203% | 3,718 |
| Return on assets (ROA) | 0.7285% | 3,843 |
| Pretax return on assets | 0.8547% | 4,094 |
| Return on Equity (ROE) | 5.9874% | 4,187 |
| Retained earnings to average equity (ytd only) | 2.5115% | 4,697 |
| Net charge-offs to loans | 0.4723% | 1,399 |
| Credit loss provision to net charge-offs | 121.8075% | 1,837 |
| Earnings coverage of net charge-offs (x) | 3.8173% | 3,293 |
| Efficiency ratio | 67.0512% | 4,352 |
| Assets per employee ($millions) | 3.7258% | 4,357 |
| Cash dividends to net income (ytd only)* | 58.0532% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 2,511 |
| Loan loss allowance to noncurrent loans | 71.5684% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 1.8474% | 2,347 |
| Noncurrent loans to loans | 2.4797% | 1,877 |
| Net loans and leases to total assets | 68.5128% | 2,146 |
| Net loans and leases to deposits | 90.9842% | 1,053 |
| Net loans and leases to core deposits | 99.7756% | 1,091 |
| Total domestic deposits to total assets | 75.3018% | 6,326 |
| Equity capital to assets | 12.0161% | 1,907 |
| Core capital (leverage) ratio | 10.5638% | 2,806 |
| Tier 1 risk-based capital ratio | 13.6904% | 4,649 |
| Total risk-based capital ratio | 14.9463% | 4,606 |
| Memoranda: | ||
| Average total assets | $939,222,000 | 711 |
| Average earning assets | $859,476,000 | 695 |
| Average equity | $114,273,330 | 626 |
| Average total loans | $646,562,330 | 649 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2555% | 3,075 |
| Cost of funding earning assets | 0.7786% | 1,650 |
| Net interest margin | 3.4769% | 3,800 |
| Noninterest income to average assets | 0.7660% | 2,267 |
| Noninterest expense to average assets | 2.6392% | 4,280 |
| Loan and lease loss provision to assets | 0.2023% | 1,833 |
| Net operating income to assets | 0.8797% | 2,754 |
| Return on assets (ROA) | 0.8951% | 2,829 |
| Pretax return on assets | 1.1250% | 2,862 |
| Return on Equity (ROE) | 7.3113% | 3,323 |
| Retained earnings to average equity (ytd only) | 3.6661% | 4,039 |
| Net charge-offs to loans | 0.1949% | 2,245 |
| Credit loss provision to net charge-offs | 151.7572% | 1,350 |
| Earnings coverage of net charge-offs (x) | 9.8147% | 1,804 |
| Efficiency ratio | 65.6419% | 4,722 |
| Assets per employee ($millions) | 3.3612% | 5,304 |
| Cash dividends to net income (ytd only)* | 49.8573% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8272% | 2,522 |
| Loan loss allowance to noncurrent loans | 79.3335% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.6296% | 2,822 |
| Noncurrent loans to loans | 2.3031% | 2,272 |
| Net loans and leases to total assets | 65.8450% | 2,394 |
| Net loans and leases to deposits | 85.8158% | 1,369 |
| Net loans and leases to core deposits | 95.0126% | 1,265 |
| Total domestic deposits to total assets | 76.7283% | 6,272 |
| Equity capital to assets | 12.3345% | 1,818 |
| Core capital (leverage) ratio | 10.4168% | 2,888 |
| Tier 1 risk-based capital ratio | 14.2076% | 4,357 |
| Total risk-based capital ratio | 15.4636% | 4,318 |
| Memoranda: | ||
| Average total assets | $939,385,000 | 715 |
| Average earning assets | $859,497,500 | 701 |
| Average equity | $115,000,500 | 634 |
| Average total loans | $642,400,500 | 652 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 3,578 |
| Cost of funding earning assets | 0.9749% | 1,494 |
| Net interest margin | 3.4826% | 4,577 |
| Noninterest income to average assets | 0.8970% | 1,867 |
| Noninterest expense to average assets | 2.5237% | 5,018 |
| Loan and lease loss provision to assets | 0.2123% | 3,020 |
| Net operating income to assets | 1.0245% | 2,234 |
| Return on assets (ROA) | 1.0400% | 2,371 |
| Pretax return on assets | 1.3779% | 2,116 |
| Return on Equity (ROE) | 8.8831% | 2,691 |
| Retained earnings to average equity (ytd only) | 5.4503% | 2,415 |
| Net charge-offs to loans | 0.2847% | 3,238 |
| Credit loss provision to net charge-offs | 110.2662% | 2,650 |
| Earnings coverage of net charge-offs (x) | 8.1510% | 2,464 |
| Efficiency ratio | 60.4988% | 5,469 |
| Assets per employee ($millions) | 3.7180% | 4,529 |
| Cash dividends to net income (ytd only)* | 38.6441% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 2,881 |
| Loan loss allowance to noncurrent loans | 73.6111% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.7651% | 2,756 |
| Noncurrent loans to loans | 2.3304% | 2,306 |
| Net loans and leases to total assets | 68.4907% | 2,101 |
| Net loans and leases to deposits | 93.2896% | 802 |
| Net loans and leases to core deposits | 100.5125% | 998 |
| Total domestic deposits to total assets | 73.4173% | 6,585 |
| Equity capital to assets | 12.1507% | 1,944 |
| Core capital (leverage) ratio | 10.0879% | 3,289 |
| Tier 1 risk-based capital ratio | 13.2912% | 4,906 |
| Total risk-based capital ratio | 14.5453% | 4,849 |
| Memoranda: | ||
| Average total assets | $956,003,800 | 689 |
| Average earning assets | $877,456,400 | 676 |
| Average equity | $111,920,400 | 638 |
| Average total loans | $646,637,400 | 640 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3588% | 4,215 |
| Cost of funding earning assets | 1.0865% | 1,117 |
| Net interest margin | 3.2722% | 5,480 |
| Noninterest income to average assets | 0.8963% | 1,838 |
| Noninterest expense to average assets | 2.2288% | 5,886 |
| Loan and lease loss provision to assets | 0.2365% | 2,687 |
| Net operating income to assets | 1.1095% | 2,053 |
| Return on assets (ROA) | 1.1138% | 2,238 |
| Pretax return on assets | 1.4943% | 1,906 |
| Return on Equity (ROE) | 10.3857% | 2,178 |
| Retained earnings to average equity (ytd only) | 6.3719% | 2,446 |
| Net charge-offs to loans | 0.3939% | 2,515 |
| Credit loss provision to net charge-offs | 90.3010% | 3,283 |
| Earnings coverage of net charge-offs (x) | 6.5878% | 2,759 |
| Efficiency ratio | 56.3708% | 6,008 |
| Assets per employee ($millions) | 6.1283% | 1,168 |
| Cash dividends to net income (ytd only)* | 38.6475% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0059% | 2,152 |
| Loan loss allowance to noncurrent loans | 86.5217% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.6801% | 3,066 |
| Noncurrent loans to loans | 2.3183% | 2,483 |
| Net loans and leases to total assets | 64.7168% | 2,892 |
| Net loans and leases to deposits | 87.4570% | 1,421 |
| Net loans and leases to core deposits | 94.3435% | 1,551 |
| Total domestic deposits to total assets | 73.9984% | 6,601 |
| Equity capital to assets | 11.0558% | 3,202 |
| Core capital (leverage) ratio | 10.4579% | 2,970 |
| Tier 1 risk-based capital ratio | 14.3601% | 4,291 |
| Total risk-based capital ratio | 15.6172% | 4,255 |
| Memoranda: | ||
| Average total assets | $608,976,000 | 1,094 |
| Average earning assets | $569,017,000 | 1,070 |
| Average equity | $65,306,250 | 1,088 |
| Average total loans | $404,795,750 | 1,037 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3965% | 4,199 |
| Cost of funding earning assets | 1.1421% | 1,062 |
| Net interest margin | 3.2544% | 5,580 |
| Noninterest income to average assets | 0.8978% | 1,796 |
| Noninterest expense to average assets | 2.2019% | 6,005 |
| Loan and lease loss provision to assets | 0.2362% | 2,709 |
| Net operating income to assets | 1.1169% | 1,990 |
| Return on assets (ROA) | 1.1169% | 2,200 |
| Pretax return on assets | 1.5010% | 1,844 |
| Return on Equity (ROE) | 10.5228% | 2,161 |
| Retained earnings to average equity (ytd only) | 6.3075% | 2,500 |
| Net charge-offs to loans | 0.5052% | 2,070 |
| Credit loss provision to net charge-offs | 70.1754% | 3,556 |
| Earnings coverage of net charge-offs (x) | 5.1618% | 2,892 |
| Efficiency ratio | 55.8997% | 6,125 |
| Assets per employee ($millions) | 5.9952% | 1,230 |
| Cash dividends to net income (ytd only)* | 40.0587% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9396% | 2,416 |
| Loan loss allowance to noncurrent loans | 77.7932% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.9427% | 2,857 |
| Noncurrent loans to loans | 2.4933% | 2,419 |
| Net loans and leases to total assets | 66.1728% | 2,639 |
| Net loans and leases to deposits | 91.5593% | 995 |
| Net loans and leases to core deposits | 99.4174% | 1,140 |
| Total domestic deposits to total assets | 72.2732% | 6,787 |
| Equity capital to assets | 10.9583% | 3,163 |
| Core capital (leverage) ratio | 10.3180% | 3,026 |
| Tier 1 risk-based capital ratio | 14.0552% | 4,405 |
| Total risk-based capital ratio | 15.3117% | 4,365 |
| Memoranda: | ||
| Average total assets | $609,734,000 | 1,093 |
| Average earning assets | $569,812,670 | 1,065 |
| Average equity | $64,716,330 | 1,089 |
| Average total loans | $406,169,330 | 1,033 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 4,427 |
| Cost of funding earning assets | 1.2173% | 908 |
| Net interest margin | 3.1584% | 5,885 |
| Noninterest income to average assets | 0.9017% | 1,740 |
| Noninterest expense to average assets | 2.1430% | 6,169 |
| Loan and lease loss provision to assets | 0.2342% | 2,600 |
| Net operating income to assets | 1.0975% | 2,096 |
| Return on assets (ROA) | 1.0975% | 2,292 |
| Pretax return on assets | 1.4768% | 1,940 |
| Return on Equity (ROE) | 10.5066% | 2,228 |
| Retained earnings to average equity (ytd only) | 6.3899% | 2,745 |
| Net charge-offs to loans | 0.6104% | 1,571 |
| Credit loss provision to net charge-offs | 57.9710% | 3,153 |
| Earnings coverage of net charge-offs (x) | 4.2351% | 2,626 |
| Efficiency ratio | 55.6043% | 6,167 |
| Assets per employee ($millions) | 6.1031% | 1,217 |
| Cash dividends to net income (ytd only)* | 39.1820% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9265% | 2,597 |
| Loan loss allowance to noncurrent loans | 66.7117% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 2.2236% | 2,669 |
| Noncurrent loans to loans | 2.8878% | 2,232 |
| Net loans and leases to total assets | 65.8299% | 2,497 |
| Net loans and leases to deposits | 89.2718% | 1,034 |
| Net loans and leases to core deposits | 97.9936% | 1,126 |
| Total domestic deposits to total assets | 73.7410% | 6,771 |
| Equity capital to assets | 10.5791% | 3,402 |
| Core capital (leverage) ratio | 10.0186% | 3,349 |
| Tier 1 risk-based capital ratio | 13.6684% | 4,701 |
| Total risk-based capital ratio | 14.9248% | 4,683 |
| Memoranda: | ||
| Average total assets | $614,842,000 | 1,081 |
| Average earning assets | $574,717,500 | 1,055 |
| Average equity | $64,226,000 | 1,095 |
| Average total loans | $406,971,500 | 1,033 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5633% | 4,817 |
| Cost of funding earning assets | 1.4981% | 722 |
| Net interest margin | 3.0652% | 6,416 |
| Noninterest income to average assets | 0.7809% | 2,159 |
| Noninterest expense to average assets | 2.0983% | 6,499 |
| Loan and lease loss provision to assets | 0.5177% | 2,031 |
| Net operating income to assets | 0.8311% | 2,909 |
| Return on assets (ROA) | 0.8481% | 2,985 |
| Pretax return on assets | 1.0472% | 3,044 |
| Return on Equity (ROE) | 8.4283% | 2,703 |
| Retained earnings to average equity (ytd only) | 4.4006% | 3,043 |
| Net charge-offs to loans | 0.5338% | 2,871 |
| Credit loss provision to net charge-offs | 145.8910% | 1,965 |
| Earnings coverage of net charge-offs (x) | 4.3509% | 3,153 |
| Efficiency ratio | 57.6107% | 6,102 |
| Assets per employee ($millions) | 6.8063% | 815 |
| Cash dividends to net income (ytd only)* | 47.7883% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0166% | 2,226 |
| Loan loss allowance to noncurrent loans | 63.5018% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 2.2377% | 2,694 |
| Noncurrent loans to loans | 3.1757% | 2,039 |
| Net loans and leases to total assets | 63.9567% | 3,200 |
| Net loans and leases to deposits | 86.4251% | 1,623 |
| Net loans and leases to core deposits | 98.9852% | 1,262 |
| Total domestic deposits to total assets | 74.0025% | 6,716 |
| Equity capital to assets | 10.3148% | 3,759 |
| Core capital (leverage) ratio | 9.4624% | 4,088 |
| Tier 1 risk-based capital ratio | 13.6509% | 4,592 |
| Total risk-based capital ratio | 14.9083% | 4,545 |
| Memoranda: | ||
| Average total assets | $610,410,800 | 1,069 |
| Average earning assets | $569,782,400 | 1,037 |
| Average equity | $61,423,800 | 1,096 |
| Average total loans | $405,779,200 | 1,048 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5981% | 4,870 |
| Cost of funding earning assets | 1.5337% | 762 |
| Net interest margin | 3.0644% | 6,460 |
| Noninterest income to average assets | 0.7154% | 2,508 |
| Noninterest expense to average assets | 2.1369% | 6,437 |
| Loan and lease loss provision to assets | 0.3420% | 2,833 |
| Net operating income to assets | 0.8716% | 2,854 |
| Return on assets (ROA) | 0.8940% | 2,911 |
| Pretax return on assets | 1.1227% | 2,918 |
| Return on Equity (ROE) | 8.9416% | 2,622 |
| Retained earnings to average equity (ytd only) | 5.0343% | 3,150 |
| Net charge-offs to loans | 0.4488% | 2,927 |
| Credit loss provision to net charge-offs | 114.1185% | 2,865 |
| Earnings coverage of net charge-offs (x) | 4.7937% | 2,963 |
| Efficiency ratio | 59.7975% | 5,758 |
| Assets per employee ($millions) | 6.6065% | 898 |
| Cash dividends to net income (ytd only)* | 43.6979% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8049% | 2,926 |
| Loan loss allowance to noncurrent loans | 67.8918% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 2.0196% | 3,119 |
| Noncurrent loans to loans | 2.6584% | 2,619 |
| Net loans and leases to total assets | 64.4100% | 3,227 |
| Net loans and leases to deposits | 86.6508% | 1,598 |
| Net loans and leases to core deposits | 99.1092% | 1,325 |
| Total domestic deposits to total assets | 74.3329% | 6,722 |
| Equity capital to assets | 10.1689% | 4,133 |
| Core capital (leverage) ratio | 9.7149% | 3,823 |
| Tier 1 risk-based capital ratio | 13.4363% | 4,785 |
| Total risk-based capital ratio | 14.6914% | 4,751 |
| Memoranda: | ||
| Average total assets | $608,169,750 | 1,083 |
| Average earning assets | $567,238,250 | 1,052 |
| Average equity | $60,808,000 | 1,114 |
| Average total loans | $406,152,750 | 1,048 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6486% | 4,763 |
| Cost of funding earning assets | 1.5842% | 749 |
| Net interest margin | 3.0644% | 6,478 |
| Noninterest income to average assets | 0.7415% | 2,309 |
| Noninterest expense to average assets | 2.1855% | 6,419 |
| Loan and lease loss provision to assets | 0.3179% | 2,885 |
| Net operating income to assets | 0.8680% | 2,780 |
| Return on assets (ROA) | 0.9015% | 2,739 |
| Pretax return on assets | 1.1363% | 2,707 |
| Return on Equity (ROE) | 9.0692% | 2,481 |
| Retained earnings to average equity (ytd only) | 5.3342% | 2,785 |
| Net charge-offs to loans | 0.1513% | 4,280 |
| Credit loss provision to net charge-offs | 312.7036% | 970 |
| Earnings coverage of net charge-offs (x) | 13.8860% | 1,513 |
| Efficiency ratio | 60.7531% | 5,767 |
| Assets per employee ($millions) | 6.1423% | 1,110 |
| Cash dividends to net income (ytd only)* | 41.1830% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9313% | 2,572 |
| Loan loss allowance to noncurrent loans | 67.8361% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 2.2178% | 2,956 |
| Noncurrent loans to loans | 2.8470% | 2,564 |
| Net loans and leases to total assets | 65.9004% | 3,052 |
| Net loans and leases to deposits | 90.1758% | 1,250 |
| Net loans and leases to core deposits | 99.5685% | 1,382 |
| Total domestic deposits to total assets | 73.0800% | 6,915 |
| Equity capital to assets | 10.2351% | 3,835 |
| Core capital (leverage) ratio | 9.6285% | 3,768 |
| Tier 1 risk-based capital ratio | 13.3250% | 4,670 |
| Total risk-based capital ratio | 14.5813% | 4,645 |
| Memoranda: | ||
| Average total assets | $603,889,000 | 1,102 |
| Average earning assets | $562,793,000 | 1,075 |
| Average equity | $60,027,330 | 1,113 |
| Average total loans | $405,755,000 | 1,064 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6868% | 4,579 |
| Cost of funding earning assets | 1.6152% | 775 |
| Net interest margin | 3.0715% | 6,415 |
| Noninterest income to average assets | 0.7466% | 2,272 |
| Noninterest expense to average assets | 2.1803% | 6,466 |
| Loan and lease loss provision to assets | 0.2976% | 2,780 |
| Net operating income to assets | 0.8820% | 2,656 |
| Return on assets (ROA) | 0.9047% | 2,602 |
| Pretax return on assets | 1.1613% | 2,510 |
| Return on Equity (ROE) | 9.2376% | 2,371 |
| Retained earnings to average equity (ytd only) | 5.4494% | 2,936 |
| Net charge-offs to loans | 0.0030% | 5,091 |
| Credit loss provision to net charge-offs | 15,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 720.6667% | 22 |
| Efficiency ratio | 60.3957% | 5,927 |
| Assets per employee ($millions) | 6.1206% | 1,125 |
| Cash dividends to net income (ytd only)* | 41.0088% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9080% | 2,668 |
| Loan loss allowance to noncurrent loans | 67.7897% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 2.1519% | 3,125 |
| Noncurrent loans to loans | 2.8146% | 2,681 |
| Net loans and leases to total assets | 64.5332% | 3,344 |
| Net loans and leases to deposits | 88.3561% | 1,420 |
| Net loans and leases to core deposits | 96.7235% | 1,618 |
| Total domestic deposits to total assets | 73.0376% | 6,997 |
| Equity capital to assets | 9.8853% | 3,917 |
| Core capital (leverage) ratio | 9.6229% | 3,630 |
| Tier 1 risk-based capital ratio | 13.3591% | 4,538 |
| Total risk-based capital ratio | 14.6151% | 4,511 |
| Memoranda: | ||
| Average total assets | $604,860,500 | 1,106 |
| Average earning assets | $563,885,500 | 1,079 |
| Average equity | $59,236,000 | 1,119 |
| Average total loans | $406,384,000 | 1,072 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2108% | 3,549 |
| Cost of funding earning assets | 1.7384% | 1,429 |
| Net interest margin | 3.4723% | 5,353 |
| Noninterest income to average assets | 0.9572% | 1,646 |
| Noninterest expense to average assets | 2.1755% | 6,679 |
| Loan and lease loss provision to assets | 0.3575% | 3,975 |
| Net operating income to assets | 1.2001% | 1,411 |
| Return on assets (ROA) | 1.2121% | 1,460 |
| Pretax return on assets | 1.6937% | 955 |
| Return on Equity (ROE) | 12.4985% | 1,222 |
| Retained earnings to average equity (ytd only) | 7.6492% | 1,102 |
| Net charge-offs to loans | 0.2106% | 5,026 |
| Credit loss provision to net charge-offs | 238.4615% | 1,217 |
| Earnings coverage of net charge-offs (x) | 13.5713% | 1,400 |
| Efficiency ratio | 51.6737% | 7,008 |
| Assets per employee ($millions) | 5.9780% | 1,227 |
| Cash dividends to net income (ytd only)* | 38.7995% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7287% | 3,107 |
| Loan loss allowance to noncurrent loans | 126.5959% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 1.1309% | 4,748 |
| Noncurrent loans to loans | 1.3655% | 4,436 |
| Net loans and leases to total assets | 67.4037% | 3,124 |
| Net loans and leases to deposits | 94.8591% | 977 |
| Net loans and leases to core deposits | 109.6611% | 941 |
| Total domestic deposits to total assets | 71.0567% | 7,165 |
| Equity capital to assets | 9.7011% | 4,130 |
| Core capital (leverage) ratio | 9.5314% | 3,670 |
| Tier 1 risk-based capital ratio | 12.9003% | 4,683 |
| Total risk-based capital ratio | 14.1546% | 4,655 |
| Memoranda: | ||
| Average total assets | $589,657,200 | 1,137 |
| Average earning assets | $552,394,600 | 1,097 |
| Average equity | $57,182,800 | 1,162 |
| Average total loans | $419,776,400 | 1,066 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2706% | 3,488 |
| Cost of funding earning assets | 1.7579% | 1,598 |
| Net interest margin | 3.5127% | 5,237 |
| Noninterest income to average assets | 0.8940% | 1,820 |
| Noninterest expense to average assets | 2.1444% | 6,750 |
| Loan and lease loss provision to assets | 0.3394% | 3,886 |
| Net operating income to assets | 1.2166% | 1,544 |
| Return on assets (ROA) | 1.2325% | 1,581 |
| Pretax return on assets | 1.7265% | 1,061 |
| Return on Equity (ROE) | 12.7101% | 1,339 |
| Retained earnings to average equity (ytd only) | 7.5421% | 1,582 |
| Net charge-offs to loans | 0.1640% | 5,008 |
| Credit loss provision to net charge-offs | 288.0309% | 1,119 |
| Earnings coverage of net charge-offs (x) | 17.3436% | 1,332 |
| Efficiency ratio | 51.2031% | 7,055 |
| Assets per employee ($millions) | 5.8900% | 1,308 |
| Cash dividends to net income (ytd only)* | 40.6608% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 3,407 |
| Loan loss allowance to noncurrent loans | 136.1379% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 1.0533% | 5,005 |
| Noncurrent loans to loans | 1.1976% | 4,847 |
| Net loans and leases to total assets | 70.0722% | 2,719 |
| Net loans and leases to deposits | 98.5356% | 763 |
| Net loans and leases to core deposits | 114.6295% | 812 |
| Total domestic deposits to total assets | 71.1136% | 7,206 |
| Equity capital to assets | 9.9066% | 4,281 |
| Core capital (leverage) ratio | 9.4912% | 3,917 |
| Tier 1 risk-based capital ratio | 12.4504% | 5,034 |
| Total risk-based capital ratio | 13.7039% | 5,000 |
| Memoranda: | ||
| Average total assets | $586,126,500 | 1,153 |
| Average earning assets | $549,656,500 | 1,108 |
| Average equity | $56,835,250 | 1,173 |
| Average total loans | $421,188,250 | 1,070 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3201% | 3,369 |
| Cost of funding earning assets | 1.7569% | 1,834 |
| Net interest margin | 3.5631% | 4,984 |
| Noninterest income to average assets | 0.7863% | 2,193 |
| Noninterest expense to average assets | 2.1022% | 6,900 |
| Loan and lease loss provision to assets | 0.3028% | 3,975 |
| Net operating income to assets | 1.2217% | 1,504 |
| Return on assets (ROA) | 1.2315% | 1,542 |
| Pretax return on assets | 1.7438% | 971 |
| Return on Equity (ROE) | 12.7940% | 1,288 |
| Retained earnings to average equity (ytd only) | 6.9617% | 1,849 |
| Net charge-offs to loans | 0.2194% | 4,286 |
| Credit loss provision to net charge-offs | 191.5401% | 2,057 |
| Earnings coverage of net charge-offs (x) | 12.8590% | 1,638 |
| Efficiency ratio | 50.8376% | 7,166 |
| Assets per employee ($millions) | 6.0586% | 1,187 |
| Cash dividends to net income (ytd only)* | 45.5862% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 3,919 |
| Loan loss allowance to noncurrent loans | 135.8624% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.8384% | 5,442 |
| Noncurrent loans to loans | 1.1066% | 5,110 |
| Net loans and leases to total assets | 70.1428% | 2,869 |
| Net loans and leases to deposits | 100.3605% | 692 |
| Net loans and leases to core deposits | 118.7626% | 737 |
| Total domestic deposits to total assets | 69.8909% | 7,337 |
| Equity capital to assets | 9.6679% | 4,438 |
| Core capital (leverage) ratio | 9.5181% | 3,794 |
| Tier 1 risk-based capital ratio | 12.2430% | 5,083 |
| Total risk-based capital ratio | 13.4950% | 5,057 |
| Memoranda: | ||
| Average total assets | $583,203,670 | 1,165 |
| Average earning assets | $548,113,330 | 1,110 |
| Average equity | $56,135,670 | 1,174 |
| Average total loans | $420,329,330 | 1,086 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3880% | 3,096 |
| Cost of funding earning assets | 1.7872% | 1,932 |
| Net interest margin | 3.6008% | 4,725 |
| Noninterest income to average assets | 0.7710% | 2,167 |
| Noninterest expense to average assets | 2.1220% | 6,883 |
| Loan and lease loss provision to assets | 0.3689% | 3,154 |
| Net operating income to assets | 1.1975% | 1,546 |
| Return on assets (ROA) | 1.2174% | 1,570 |
| Pretax return on assets | 1.6895% | 1,080 |
| Return on Equity (ROE) | 12.6769% | 1,331 |
| Retained earnings to average equity (ytd only) | 8.5906% | 1,511 |
| Net charge-offs to loans | 0.3121% | 3,165 |
| Credit loss provision to net charge-offs | 162.9969% | 2,224 |
| Earnings coverage of net charge-offs (x) | 8.9725% | 1,907 |
| Efficiency ratio | 51.1000% | 7,232 |
| Assets per employee ($millions) | 5.6773% | 1,511 |
| Cash dividends to net income (ytd only)* | 32.2342% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 4,096 |
| Loan loss allowance to noncurrent loans | 122.4526% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.9410% | 5,261 |
| Noncurrent loans to loans | 1.1972% | 4,966 |
| Net loans and leases to total assets | 71.9845% | 2,449 |
| Net loans and leases to deposits | 102.9501% | 590 |
| Net loans and leases to core deposits | 121.2081% | 738 |
| Total domestic deposits to total assets | 69.9217% | 7,412 |
| Equity capital to assets | 9.7894% | 4,127 |
| Core capital (leverage) ratio | 9.4879% | 3,792 |
| Tier 1 risk-based capital ratio | 12.1566% | 5,030 |
| Total risk-based capital ratio | 13.4081% | 4,994 |
| Memoranda: | ||
| Average total assets | $577,935,500 | 1,201 |
| Average earning assets | $542,763,500 | 1,162 |
| Average equity | $55,502,500 | 1,199 |
| Average total loans | $419,082,500 | 1,118 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4580% | 4,399 |
| Cost of funding earning assets | 2.0243% | 2,849 |
| Net interest margin | 3.4337% | 5,243 |
| Noninterest income to average assets | 0.8564% | 2,154 |
| Noninterest expense to average assets | 2.1082% | 7,167 |
| Loan and lease loss provision to assets | 0.3601% | 4,642 |
| Net operating income to assets | 1.1365% | 1,420 |
| Return on assets (ROA) | 1.1564% | 1,393 |
| Pretax return on assets | 1.6486% | 870 |
| Return on Equity (ROE) | 12.8864% | 986 |
| Retained earnings to average equity (ytd only) | 7.7299% | 766 |
| Net charge-offs to loans | 0.2667% | 4,950 |
| Credit loss provision to net charge-offs | 186.2832% | 2,178 |
| Earnings coverage of net charge-offs (x) | 10.2442% | 1,704 |
| Efficiency ratio | 51.5649% | 7,424 |
| Assets per employee ($millions) | 5.7105% | 1,453 |
| Cash dividends to net income (ytd only)* | 40.0148% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 4,147 |
| Loan loss allowance to noncurrent loans | 103.1636% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 1.0794% | 4,934 |
| Noncurrent loans to loans | 1.3722% | 4,629 |
| Net loans and leases to total assets | 70.9614% | 3,019 |
| Net loans and leases to deposits | 98.7979% | 1,025 |
| Net loans and leases to core deposits | 137.3084% | 897 |
| Total domestic deposits to total assets | 71.8248% | 7,259 |
| Equity capital to assets | 9.4206% | 4,525 |
| Core capital (leverage) ratio | 9.1375% | 4,217 |
| Tier 1 risk-based capital ratio | 11.8725% | 5,058 |
| Total risk-based capital ratio | 13.1235% | 5,018 |
| Memoranda: | ||
| Average total assets | $584,560,800 | 1,174 |
| Average earning assets | $550,252,400 | 1,147 |
| Average equity | $52,458,400 | 1,262 |
| Average total loans | $423,660,600 | 1,136 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3796% | 5,045 |
| Cost of funding earning assets | 2.0574% | 3,081 |
| Net interest margin | 3.3222% | 5,554 |
| Noninterest income to average assets | 0.8188% | 2,343 |
| Noninterest expense to average assets | 2.1437% | 7,107 |
| Loan and lease loss provision to assets | 0.3202% | 4,423 |
| Net operating income to assets | 1.0530% | 1,886 |
| Return on assets (ROA) | 1.0740% | 1,869 |
| Pretax return on assets | 1.5134% | 1,375 |
| Return on Equity (ROE) | 12.1181% | 1,327 |
| Retained earnings to average equity (ytd only) | 6.8831% | 1,556 |
| Net charge-offs to loans | 0.1369% | 5,333 |
| Credit loss provision to net charge-offs | 322.2477% | 1,275 |
| Earnings coverage of net charge-offs (x) | 18.1559% | 1,363 |
| Efficiency ratio | 54.3035% | 7,206 |
| Assets per employee ($millions) | 5.6244% | 1,495 |
| Cash dividends to net income (ytd only)* | 43.1997% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 3,903 |
| Loan loss allowance to noncurrent loans | 74.8328% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.4353% | 4,235 |
| Noncurrent loans to loans | 1.8799% | 3,795 |
| Net loans and leases to total assets | 71.7263% | 3,100 |
| Net loans and leases to deposits | 106.3176% | 636 |
| Net loans and leases to core deposits | 141.5148% | 850 |
| Total domestic deposits to total assets | 67.4642% | 7,610 |
| Equity capital to assets | 9.3279% | 4,988 |
| Core capital (leverage) ratio | 9.0128% | 4,629 |
| Tier 1 risk-based capital ratio | 11.6239% | 5,312 |
| Total risk-based capital ratio | 12.8748% | 5,252 |
| Memoranda: | ||
| Average total assets | $585,084,250 | 1,192 |
| Average earning assets | $551,026,000 | 1,156 |
| Average equity | $51,855,000 | 1,298 |
| Average total loans | $424,760,250 | 1,147 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3768% | 5,266 |
| Cost of funding earning assets | 2.0926% | 3,307 |
| Net interest margin | 3.2842% | 5,611 |
| Noninterest income to average assets | 0.8112% | 2,358 |
| Noninterest expense to average assets | 2.1921% | 7,077 |
| Loan and lease loss provision to assets | 0.3765% | 3,670 |
| Net operating income to assets | 0.9572% | 2,254 |
| Return on assets (ROA) | 0.9891% | 2,245 |
| Pretax return on assets | 1.3775% | 1,794 |
| Return on Equity (ROE) | 11.3560% | 1,599 |
| Retained earnings to average equity (ytd only) | 6.0476% | 1,994 |
| Net charge-offs to loans | 0.1550% | 4,644 |
| Credit loss provision to net charge-offs | 334.8485% | 1,383 |
| Earnings coverage of net charge-offs (x) | 15.2061% | 1,609 |
| Efficiency ratio | 56.1823% | 7,099 |
| Assets per employee ($millions) | 5.6132% | 1,489 |
| Cash dividends to net income (ytd only)* | 46.7447% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 3,965 |
| Loan loss allowance to noncurrent loans | 60.0461% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.6745% | 3,677 |
| Noncurrent loans to loans | 2.2541% | 3,183 |
| Net loans and leases to total assets | 70.9180% | 3,483 |
| Net loans and leases to deposits | 105.1951% | 818 |
| Net loans and leases to core deposits | 139.9478% | 1,013 |
| Total domestic deposits to total assets | 67.4157% | 7,656 |
| Equity capital to assets | 8.7744% | 5,637 |
| Core capital (leverage) ratio | 8.7166% | 5,063 |
| Tier 1 risk-based capital ratio | 11.2119% | 5,673 |
| Total risk-based capital ratio | 12.4622% | 5,592 |
| Memoranda: | ||
| Average total assets | $587,008,000 | 1,210 |
| Average earning assets | $552,410,330 | 1,173 |
| Average equity | $51,127,330 | 1,338 |
| Average total loans | $425,864,000 | 1,173 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4326% | 5,261 |
| Cost of funding earning assets | 2.1479% | 3,419 |
| Net interest margin | 3.2847% | 5,546 |
| Noninterest income to average assets | 0.7258% | 2,728 |
| Noninterest expense to average assets | 2.1249% | 7,064 |
| Loan and lease loss provision to assets | 0.3038% | 3,518 |
| Net operating income to assets | 0.9969% | 2,325 |
| Return on assets (ROA) | 0.9969% | 2,460 |
| Pretax return on assets | 1.3827% | 2,015 |
| Return on Equity (ROE) | 11.4885% | 1,814 |
| Retained earnings to average equity (ytd only) | 6.5626% | 2,394 |
| Net charge-offs to loans | 0.0703% | 4,490 |
| Credit loss provision to net charge-offs | 593.3333% | 959 |
| Earnings coverage of net charge-offs (x) | 32.9333% | 994 |
| Efficiency ratio | 55.7506% | 7,003 |
| Assets per employee ($millions) | 5.4066% | 1,638 |
| Cash dividends to net income (ytd only)* | 42.8767% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 4,366 |
| Loan loss allowance to noncurrent loans | 58.1814% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 1.7939% | 3,230 |
| Noncurrent loans to loans | 2.1603% | 3,035 |
| Net loans and leases to total assets | 73.0640% | 2,994 |
| Net loans and leases to deposits | 108.7085% | 691 |
| Net loans and leases to core deposits | 145.9128% | 865 |
| Total domestic deposits to total assets | 67.2109% | 7,656 |
| Equity capital to assets | 8.9862% | 5,367 |
| Core capital (leverage) ratio | 8.6793% | 5,186 |
| Tier 1 risk-based capital ratio | 10.9680% | 5,930 |
| Total risk-based capital ratio | 12.1387% | 5,912 |
| Memoranda: | ||
| Average total assets | $585,821,000 | 1,218 |
| Average earning assets | $550,312,000 | 1,185 |
| Average equity | $50,833,500 | 1,349 |
| Average total loans | $426,939,500 | 1,190 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9959% | 5,564 |
| Cost of funding earning assets | 2.6180% | 3,588 |
| Net interest margin | 3.3779% | 5,752 |
| Noninterest income to average assets | 0.5861% | 3,965 |
| Noninterest expense to average assets | 2.0715% | 7,297 |
| Loan and lease loss provision to assets | 0.0874% | 6,289 |
| Net operating income to assets | 1.1324% | 2,018 |
| Return on assets (ROA) | 1.1324% | 1,935 |
| Pretax return on assets | 1.5867% | 1,425 |
| Return on Equity (ROE) | 13.5110% | 1,210 |
| Retained earnings to average equity (ytd only) | 6.7878% | 1,229 |
| Net charge-offs to loans | 0.0649% | 5,845 |
| Credit loss provision to net charge-offs | 180.5054% | 2,790 |
| Earnings coverage of net charge-offs (x) | 34.5776% | 1,054 |
| Efficiency ratio | 55.3056% | 7,108 |
| Assets per employee ($millions) | 5.6466% | 1,356 |
| Cash dividends to net income (ytd only)* | 49.7608% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 4,887 |
| Loan loss allowance to noncurrent loans | 64.3571% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 1.3444% | 3,525 |
| Noncurrent loans to loans | 1.7931% | 3,073 |
| Net loans and leases to total assets | 70.9824% | 3,785 |
| Net loans and leases to deposits | 104.1484% | 1,327 |
| Net loans and leases to core deposits | 149.7510% | 869 |
| Total domestic deposits to total assets | 68.1550% | 7,457 |
| Equity capital to assets | 8.3815% | 6,295 |
| Core capital (leverage) ratio | 8.5299% | 5,518 |
| Tier 1 risk-based capital ratio | 10.5569% | 6,148 |
| Total risk-based capital ratio | 11.6234% | 6,217 |
| Memoranda: | ||
| Average total assets | $572,134,800 | 1,176 |
| Average earning assets | $535,148,600 | 1,152 |
| Average equity | $47,953,600 | 1,428 |
| Average total loans | $426,853,000 | 1,123 |