Home > Industrial State Bank > Performance and Condition Ratios
Industrial State Bank, Performance and Condition Ratios
| 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 | 4.2856% | 2,188 |
| Cost of funding earning assets | 0.2271% | 4,763 |
| Net interest margin | 4.0586% | 1,472 |
| Noninterest income to average assets | 0.7002% | 2,167 |
| Noninterest expense to average assets | 2.8762% | 2,761 |
| Loan and lease loss provision to assets | 0.0285% | 3,784 |
| Net operating income to assets | 1.1212% | 1,814 |
| Return on assets (ROA) | 1.1805% | 1,668 |
| Pretax return on assets | 1.6957% | 1,010 |
| Return on Equity (ROE) | 4.4411% | 4,684 |
| Retained earnings to average equity (ytd only) | 3.4372% | 3,483 |
| Net charge-offs to loans | -0.0035% | 4,760 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6937% | 3,997 |
| Assets per employee ($millions) | 3.1658% | 5,198 |
| Cash dividends to net income (ytd only)* | 22.6040% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 1,884 |
| Loan loss allowance to noncurrent loans | 224.0777% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.7596% | 2,457 |
| Noncurrent loans to loans | 0.6457% | 2,917 |
| Net loans and leases to total assets | 56.4350% | 4,221 |
| Net loans and leases to deposits | 77.8510% | 3,120 |
| Net loans and leases to core deposits | 79.7771% | 3,411 |
| Total domestic deposits to total assets | 72.4911% | 5,526 |
| Equity capital to assets | 27.3467% | 75 |
| Core capital (leverage) ratio | 27.1746% | 81 |
| Tier 1 risk-based capital ratio | 35.2091% | 314 |
| Total risk-based capital ratio | 36.2757% | 314 |
| Memoranda: | ||
| Average total assets | $140,534,200 | 3,663 |
| Average earning assets | $132,115,800 | 3,617 |
| Average equity | $37,355,800 | 1,958 |
| Average total loans | $86,236,000 | 3,659 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3253% | 2,096 |
| Cost of funding earning assets | 0.2287% | 4,800 |
| Net interest margin | 4.0967% | 1,396 |
| Noninterest income to average assets | 0.4591% | 3,496 |
| Noninterest expense to average assets | 2.9024% | 2,639 |
| Loan and lease loss provision to assets | 0.0379% | 3,483 |
| Net operating income to assets | 0.9919% | 2,472 |
| Return on assets (ROA) | 1.0375% | 2,378 |
| Pretax return on assets | 1.4493% | 1,880 |
| Return on Equity (ROE) | 3.9312% | 4,927 |
| Retained earnings to average equity (ytd only) | 2.5861% | 4,362 |
| Net charge-offs to loans | 0.0061% | 3,698 |
| Credit loss provision to net charge-offs | 1,000.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 376.2251% | 238 |
| Efficiency ratio | 67.0897% | 3,407 |
| Assets per employee ($millions) | 3.1617% | 5,227 |
| Cash dividends to net income (ytd only)* | 34.2154% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 2,573 |
| Loan loss allowance to noncurrent loans | 213.9925% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.7756% | 2,609 |
| Noncurrent loans to loans | 0.6172% | 3,165 |
| Net loans and leases to total assets | 61.6053% | 3,676 |
| Net loans and leases to deposits | 84.5862% | 2,419 |
| Net loans and leases to core deposits | 86.4244% | 2,916 |
| Total domestic deposits to total assets | 72.8314% | 5,537 |
| Equity capital to assets | 26.9773% | 81 |
| Core capital (leverage) ratio | 26.7086% | 81 |
| Tier 1 risk-based capital ratio | 31.4471% | 431 |
| Total risk-based capital ratio | 32.4082% | 437 |
| Memoranda: | ||
| Average total assets | $140,844,500 | 3,677 |
| Average earning assets | $132,949,250 | 3,622 |
| Average equity | $37,171,750 | 1,981 |
| Average total loans | $87,854,000 | 3,633 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3611% | 1,944 |
| Cost of funding earning assets | 0.2310% | 4,842 |
| Net interest margin | 4.1302% | 1,293 |
| Noninterest income to average assets | 0.4228% | 3,713 |
| Noninterest expense to average assets | 2.8949% | 2,693 |
| Loan and lease loss provision to assets | 0.0566% | 3,011 |
| Net operating income to assets | 0.9787% | 2,474 |
| Return on assets (ROA) | 1.0409% | 2,341 |
| Pretax return on assets | 1.4524% | 1,833 |
| Return on Equity (ROE) | 3.9727% | 4,924 |
| Retained earnings to average equity (ytd only) | 1.9486% | 4,584 |
| Net charge-offs to loans | 0.0113% | 3,320 |
| Credit loss provision to net charge-offs | 800.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 201.2000% | 324 |
| Efficiency ratio | 67.0488% | 3,529 |
| Assets per employee ($millions) | 3.2871% | 5,085 |
| Cash dividends to net income (ytd only)* | 50.9511% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 2,608 |
| Loan loss allowance to noncurrent loans | 207.2333% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.8301% | 2,516 |
| Noncurrent loans to loans | 0.6430% | 3,147 |
| Net loans and leases to total assets | 61.4679% | 3,687 |
| Net loans and leases to deposits | 84.3198% | 2,428 |
| Net loans and leases to core deposits | 86.5524% | 2,851 |
| Total domestic deposits to total assets | 72.8985% | 5,609 |
| Equity capital to assets | 26.9225% | 76 |
| Core capital (leverage) ratio | 26.2075% | 80 |
| Tier 1 risk-based capital ratio | 31.7299% | 428 |
| Total risk-based capital ratio | 32.7082% | 432 |
| Memoranda: | ||
| Average total assets | $141,421,670 | 3,686 |
| Average earning assets | $133,360,670 | 3,638 |
| Average equity | $37,052,670 | 1,994 |
| Average total loans | $88,189,330 | 3,644 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4169% | 1,756 |
| Cost of funding earning assets | 0.2317% | 4,885 |
| Net interest margin | 4.1852% | 1,127 |
| Noninterest income to average assets | 0.5003% | 3,104 |
| Noninterest expense to average assets | 2.8930% | 2,731 |
| Loan and lease loss provision to assets | 0.1118% | 1,863 |
| Net operating income to assets | 1.0265% | 2,176 |
| Return on assets (ROA) | 1.0426% | 2,229 |
| Pretax return on assets | 1.4563% | 1,731 |
| Return on Equity (ROE) | 4.0330% | 4,881 |
| Retained earnings to average equity (ytd only) | 4.0330% | 3,477 |
| Net charge-offs to loans | -0.0090% | 4,480 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1763% | 3,947 |
| Assets per employee ($millions) | 3.1023% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 3,003 |
| Loan loss allowance to noncurrent loans | 201.5734% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.8864% | 2,472 |
| Noncurrent loans to loans | 0.6352% | 3,267 |
| Net loans and leases to total assets | 62.2934% | 3,488 |
| Net loans and leases to deposits | 84.3897% | 2,264 |
| Net loans and leases to core deposits | 87.0404% | 2,652 |
| Total domestic deposits to total assets | 73.8163% | 5,622 |
| Equity capital to assets | 26.0541% | 81 |
| Core capital (leverage) ratio | 26.1185% | 78 |
| Tier 1 risk-based capital ratio | 30.4595% | 485 |
| Total risk-based capital ratio | 31.4041% | 493 |
| Memoranda: | ||
| Average total assets | $143,103,000 | 3,685 |
| Average earning assets | $134,664,500 | 3,639 |
| Average equity | $36,994,500 | 1,990 |
| Average total loans | $89,280,000 | 3,633 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5827% | 1,380 |
| Cost of funding earning assets | 0.2961% | 4,296 |
| Net interest margin | 4.2867% | 987 |
| Noninterest income to average assets | 0.6463% | 2,479 |
| Noninterest expense to average assets | 2.8560% | 3,006 |
| Loan and lease loss provision to assets | 0.1045% | 2,242 |
| Net operating income to assets | 1.2370% | 1,428 |
| Return on assets (ROA) | 1.2410% | 1,469 |
| Pretax return on assets | 1.7347% | 921 |
| Return on Equity (ROE) | 4.9004% | 4,554 |
| Retained earnings to average equity (ytd only) | 2.8627% | 4,026 |
| Net charge-offs to loans | -0.0081% | 5,061 |
| Credit loss provision to net charge-offs | -2,142.8571% | 5,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8999% | 4,772 |
| Assets per employee ($millions) | 3.1195% | 5,392 |
| Cash dividends to net income (ytd only)* | 41.5825% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 3,134 |
| Loan loss allowance to noncurrent loans | 187.3524% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.9275% | 2,347 |
| Noncurrent loans to loans | 0.6700% | 3,186 |
| Net loans and leases to total assets | 60.9057% | 3,710 |
| Net loans and leases to deposits | 82.2076% | 2,563 |
| Net loans and leases to core deposits | 84.9780% | 2,881 |
| Total domestic deposits to total assets | 74.0876% | 5,635 |
| Equity capital to assets | 25.6504% | 83 |
| Core capital (leverage) ratio | 25.5200% | 84 |
| Tier 1 risk-based capital ratio | 30.5501% | 483 |
| Total risk-based capital ratio | 31.4722% | 490 |
| Memoranda: | ||
| Average total assets | $143,594,400 | 3,667 |
| Average earning assets | $135,443,400 | 3,606 |
| Average equity | $36,364,600 | 1,962 |
| Average total loans | $86,772,200 | 3,656 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5845% | 1,369 |
| Cost of funding earning assets | 0.3146% | 4,170 |
| Net interest margin | 4.2699% | 1,020 |
| Noninterest income to average assets | 0.6053% | 2,707 |
| Noninterest expense to average assets | 2.8389% | 3,042 |
| Loan and lease loss provision to assets | 0.0464% | 3,275 |
| Net operating income to assets | 1.2924% | 1,362 |
| Return on assets (ROA) | 1.2979% | 1,402 |
| Pretax return on assets | 1.7592% | 976 |
| Return on Equity (ROE) | 5.1414% | 4,560 |
| Retained earnings to average equity (ytd only) | 3.7807% | 3,781 |
| Net charge-offs to loans | -0.0093% | 4,965 |
| Credit loss provision to net charge-offs | -833.3333% | 5,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2212% | 4,685 |
| Assets per employee ($millions) | 3.2403% | 5,235 |
| Cash dividends to net income (ytd only)* | 26.4664% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 4,229 |
| Loan loss allowance to noncurrent loans | 180.6798% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.8746% | 2,694 |
| Noncurrent loans to loans | 0.6084% | 3,490 |
| Net loans and leases to total assets | 63.7355% | 3,346 |
| Net loans and leases to deposits | 90.5106% | 1,585 |
| Net loans and leases to core deposits | 93.2564% | 2,150 |
| Total domestic deposits to total assets | 70.4178% | 5,955 |
| Equity capital to assets | 25.8080% | 87 |
| Core capital (leverage) ratio | 25.3249% | 86 |
| Tier 1 risk-based capital ratio | 30.2342% | 510 |
| Total risk-based capital ratio | 31.0641% | 528 |
| Memoranda: | ||
| Average total assets | $143,618,250 | 3,695 |
| Average earning assets | $135,612,500 | 3,638 |
| Average equity | $36,253,750 | 1,981 |
| Average total loans | $86,337,750 | 3,708 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5418% | 1,420 |
| Cost of funding earning assets | 0.3495% | 3,811 |
| Net interest margin | 4.1923% | 1,122 |
| Noninterest income to average assets | 0.4487% | 3,718 |
| Noninterest expense to average assets | 2.7854% | 3,290 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2003% | 1,600 |
| Return on assets (ROA) | 1.2003% | 1,676 |
| Pretax return on assets | 1.6129% | 1,293 |
| Return on Equity (ROE) | 4.7902% | 4,706 |
| Retained earnings to average equity (ytd only) | 2.7389% | 4,313 |
| Net charge-offs to loans | -0.0142% | 5,040 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3291% | 4,463 |
| Assets per employee ($millions) | 3.1749% | 5,378 |
| Cash dividends to net income (ytd only)* | 42.8241% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 4,543 |
| Loan loss allowance to noncurrent loans | 165.8031% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 1.0819% | 2,351 |
| Noncurrent loans to loans | 0.6390% | 3,557 |
| Net loans and leases to total assets | 61.3883% | 3,638 |
| Net loans and leases to deposits | 88.3151% | 1,790 |
| Net loans and leases to core deposits | 91.1729% | 2,227 |
| Total domestic deposits to total assets | 69.5106% | 6,055 |
| Equity capital to assets | 24.8288% | 95 |
| Core capital (leverage) ratio | 24.8721% | 90 |
| Tier 1 risk-based capital ratio | 30.1815% | 537 |
| Total risk-based capital ratio | 30.9806% | 551 |
| Memoranda: | ||
| Average total assets | $143,967,000 | 3,716 |
| Average earning assets | $135,630,330 | 3,671 |
| Average equity | $36,073,330 | 1,997 |
| Average total loans | $84,490,670 | 3,766 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4512% | 1,608 |
| Cost of funding earning assets | 0.3675% | 3,674 |
| Net interest margin | 4.0837% | 1,322 |
| Noninterest income to average assets | 0.5289% | 3,102 |
| Noninterest expense to average assets | 2.8658% | 3,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1894% | 1,580 |
| Return on assets (ROA) | 1.1894% | 1,675 |
| Pretax return on assets | 1.5196% | 1,497 |
| Return on Equity (ROE) | 4.7249% | 4,651 |
| Retained earnings to average equity (ytd only) | 4.7249% | 3,203 |
| Net charge-offs to loans | -0.0098% | 4,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3478% | 4,263 |
| Assets per employee ($millions) | 3.1309% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 4,307 |
| Loan loss allowance to noncurrent loans | 162.3090% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 1.1734% | 2,286 |
| Noncurrent loans to loans | 0.7034% | 3,518 |
| Net loans and leases to total assets | 57.4739% | 4,030 |
| Net loans and leases to deposits | 80.6915% | 2,481 |
| Net loans and leases to core deposits | 83.6711% | 2,811 |
| Total domestic deposits to total assets | 71.2266% | 6,078 |
| Equity capital to assets | 25.1295% | 94 |
| Core capital (leverage) ratio | 25.1797% | 90 |
| Tier 1 risk-based capital ratio | 32.6101% | 441 |
| Total risk-based capital ratio | 33.4715% | 445 |
| Memoranda: | ||
| Average total assets | $142,928,500 | 3,762 |
| Average earning assets | $134,974,500 | 3,704 |
| Average equity | $35,979,500 | 2,015 |
| Average total loans | $81,429,000 | 3,848 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6191% | 1,503 |
| Cost of funding earning assets | 0.4072% | 3,612 |
| Net interest margin | 4.2120% | 1,263 |
| Noninterest income to average assets | 0.6456% | 2,579 |
| Noninterest expense to average assets | 2.8237% | 3,402 |
| Loan and lease loss provision to assets | 0.1403% | 1,891 |
| Net operating income to assets | 1.1851% | 1,637 |
| Return on assets (ROA) | 1.2020% | 1,636 |
| Pretax return on assets | 1.6834% | 1,018 |
| Return on Equity (ROE) | 4.8482% | 4,742 |
| Retained earnings to average equity (ytd only) | 2.9661% | 4,135 |
| Net charge-offs to loans | 0.7499% | 479 |
| Credit loss provision to net charge-offs | 32.0513% | 3,809 |
| Earnings coverage of net charge-offs (x) | 4.1106% | 3,737 |
| Efficiency ratio | 61.0715% | 5,055 |
| Assets per employee ($millions) | 2.8946% | 5,836 |
| Cash dividends to net income (ytd only)* | 38.8208% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 3,959 |
| Loan loss allowance to noncurrent loans | 117.7778% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.2994% | 2,169 |
| Noncurrent loans to loans | 1.0237% | 2,778 |
| Net loans and leases to total assets | 55.1155% | 4,438 |
| Net loans and leases to deposits | 77.6666% | 3,011 |
| Net loans and leases to core deposits | 79.6521% | 3,333 |
| Total domestic deposits to total assets | 70.9641% | 6,146 |
| Equity capital to assets | 25.2173% | 97 |
| Core capital (leverage) ratio | 24.9571% | 91 |
| Tier 1 risk-based capital ratio | 35.0781% | 338 |
| Total risk-based capital ratio | 36.0137% | 342 |
| Memoranda: | ||
| Average total assets | $142,508,200 | 3,751 |
| Average earning assets | $134,592,200 | 3,687 |
| Average equity | $35,332,400 | 1,979 |
| Average total loans | $83,206,000 | 3,790 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6558% | 1,418 |
| Cost of funding earning assets | 0.4123% | 3,655 |
| Net interest margin | 4.2435% | 1,174 |
| Noninterest income to average assets | 0.6663% | 2,495 |
| Noninterest expense to average assets | 2.7960% | 3,475 |
| Loan and lease loss provision to assets | 0.1869% | 1,302 |
| Net operating income to assets | 1.2504% | 1,525 |
| Return on assets (ROA) | 1.2504% | 1,578 |
| Pretax return on assets | 1.6942% | 1,079 |
| Return on Equity (ROE) | 5.0647% | 4,690 |
| Retained earnings to average equity (ytd only) | 3.8042% | 3,948 |
| Net charge-offs to loans | -0.0142% | 5,519 |
| Credit loss provision to net charge-offs | -2,222.2222% | 5,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7802% | 5,210 |
| Assets per employee ($millions) | 2.8875% | 5,864 |
| Cash dividends to net income (ytd only)* | 24.8879% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9534% | 1,343 |
| Loan loss allowance to noncurrent loans | 777.9412% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.9259% | 3,127 |
| Noncurrent loans to loans | 0.2511% | 5,152 |
| Net loans and leases to total assets | 56.2978% | 4,295 |
| Net loans and leases to deposits | 79.3335% | 2,793 |
| Net loans and leases to core deposits | 80.4570% | 3,261 |
| Total domestic deposits to total assets | 70.9634% | 6,235 |
| Equity capital to assets | 25.2490% | 94 |
| Core capital (leverage) ratio | 24.8567% | 89 |
| Tier 1 risk-based capital ratio | 34.3616% | 377 |
| Total risk-based capital ratio | 35.6149% | 369 |
| Memoranda: | ||
| Average total assets | $142,676,500 | 3,779 |
| Average earning assets | $134,854,500 | 3,711 |
| Average equity | $35,223,750 | 1,993 |
| Average total loans | $84,225,750 | 3,793 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6513% | 1,397 |
| Cost of funding earning assets | 0.4141% | 3,720 |
| Net interest margin | 4.2372% | 1,161 |
| Noninterest income to average assets | 0.6277% | 2,665 |
| Noninterest expense to average assets | 2.7832% | 3,570 |
| Loan and lease loss provision to assets | 0.1747% | 1,398 |
| Net operating income to assets | 1.2595% | 1,417 |
| Return on assets (ROA) | 1.2595% | 1,481 |
| Pretax return on assets | 1.6747% | 1,076 |
| Return on Equity (ROE) | 5.1402% | 4,609 |
| Retained earnings to average equity (ytd only) | 3.2404% | 4,141 |
| Net charge-offs to loans | -0.0141% | 5,427 |
| Credit loss provision to net charge-offs | -2,083.3333% | 5,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0785% | 5,287 |
| Assets per employee ($millions) | 2.9594% | 5,807 |
| Cash dividends to net income (ytd only)* | 36.9589% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8387% | 1,730 |
| Loan loss allowance to noncurrent loans | 739.7059% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.9222% | 3,243 |
| Noncurrent loans to loans | 0.2486% | 5,261 |
| Net loans and leases to total assets | 56.7131% | 4,155 |
| Net loans and leases to deposits | 79.3994% | 2,598 |
| Net loans and leases to core deposits | 80.7127% | 3,128 |
| Total domestic deposits to total assets | 71.4277% | 6,290 |
| Equity capital to assets | 24.8413% | 93 |
| Core capital (leverage) ratio | 24.4047% | 93 |
| Tier 1 risk-based capital ratio | 33.4018% | 401 |
| Total risk-based capital ratio | 34.6541% | 389 |
| Memoranda: | ||
| Average total assets | $143,073,000 | 3,798 |
| Average earning assets | $135,231,000 | 3,724 |
| Average equity | $35,057,000 | 1,990 |
| Average total loans | $85,220,670 | 3,785 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6471% | 1,385 |
| Cost of funding earning assets | 0.4150% | 3,817 |
| Net interest margin | 4.2322% | 1,136 |
| Noninterest income to average assets | 0.6129% | 2,657 |
| Noninterest expense to average assets | 2.7802% | 3,639 |
| Loan and lease loss provision to assets | 0.2089% | 1,103 |
| Net operating income to assets | 1.2425% | 1,366 |
| Return on assets (ROA) | 1.2425% | 1,424 |
| Pretax return on assets | 1.6297% | 1,108 |
| Return on Equity (ROE) | 5.1056% | 4,491 |
| Retained earnings to average equity (ytd only) | 5.1056% | 3,056 |
| Net charge-offs to loans | -0.0323% | 5,603 |
| Credit loss provision to net charge-offs | -1,071.4286% | 5,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1930% | 5,374 |
| Assets per employee ($millions) | 3.1411% | 5,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7050% | 2,338 |
| Loan loss allowance to noncurrent loans | 2,056.3380% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.7675% | 3,819 |
| Noncurrent loans to loans | 0.0829% | 5,890 |
| Net loans and leases to total assets | 58.2514% | 3,800 |
| Net loans and leases to deposits | 80.8647% | 2,179 |
| Net loans and leases to core deposits | 81.9656% | 2,738 |
| Total domestic deposits to total assets | 72.0356% | 6,358 |
| Equity capital to assets | 24.3372% | 103 |
| Core capital (leverage) ratio | 24.3341% | 99 |
| Tier 1 risk-based capital ratio | 32.8068% | 418 |
| Total risk-based capital ratio | 34.0579% | 412 |
| Memoranda: | ||
| Average total assets | $143,584,500 | 3,816 |
| Average earning assets | $135,912,000 | 3,732 |
| Average equity | $34,942,000 | 1,986 |
| Average total loans | $86,796,000 | 3,778 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 2,146 |
| Cost of funding earning assets | 0.4519% | 4,092 |
| Net interest margin | 4.0638% | 1,751 |
| Noninterest income to average assets | 0.8236% | 1,968 |
| Noninterest expense to average assets | 2.7806% | 3,794 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3257% | 1,191 |
| Return on assets (ROA) | 1.3147% | 1,253 |
| Pretax return on assets | 1.8660% | 655 |
| Return on Equity (ROE) | 5.6403% | 4,309 |
| Retained earnings to average equity (ytd only) | 3.8120% | 3,492 |
| Net charge-offs to loans | 0.0151% | 5,143 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 211.6154% | 213 |
| Efficiency ratio | 59.6391% | 5,515 |
| Assets per employee ($millions) | 2.9725% | 5,869 |
| Cash dividends to net income (ytd only)* | 32.4142% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 2,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7275% | 4,064 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 60.6863% | 3,593 |
| Net loans and leases to deposits | 84.3992% | 1,877 |
| Net loans and leases to core deposits | 85.3089% | 2,531 |
| Total domestic deposits to total assets | 71.9039% | 6,427 |
| Equity capital to assets | 24.3338% | 105 |
| Core capital (leverage) ratio | 23.9964% | 102 |
| Tier 1 risk-based capital ratio | 31.8733% | 433 |
| Total risk-based capital ratio | 33.1237% | 429 |
| Memoranda: | ||
| Average total assets | $146,193,400 | 3,765 |
| Average earning assets | $138,098,000 | 3,696 |
| Average equity | $34,076,200 | 2,018 |
| Average total loans | $86,081,400 | 3,777 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4399% | 2,457 |
| Cost of funding earning assets | 0.4562% | 4,202 |
| Net interest margin | 3.9837% | 1,997 |
| Noninterest income to average assets | 0.5766% | 3,293 |
| Noninterest expense to average assets | 2.6762% | 4,111 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1837% | 1,686 |
| Return on assets (ROA) | 1.1876% | 1,744 |
| Pretax return on assets | 1.6663% | 1,171 |
| Return on Equity (ROE) | 5.1499% | 4,650 |
| Retained earnings to average equity (ytd only) | 3.9745% | 3,868 |
| Net charge-offs to loans | 0.0249% | 4,628 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 114.5152% | 448 |
| Efficiency ratio | 61.7057% | 5,179 |
| Assets per employee ($millions) | 3.0596% | 5,753 |
| Cash dividends to net income (ytd only)* | 22.8247% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 3,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8241% | 4,049 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 60.4064% | 3,632 |
| Net loans and leases to deposits | 83.5883% | 1,925 |
| Net loans and leases to core deposits | 83.9884% | 2,659 |
| Total domestic deposits to total assets | 72.2665% | 6,473 |
| Equity capital to assets | 23.9435% | 108 |
| Core capital (leverage) ratio | 23.6595% | 103 |
| Tier 1 risk-based capital ratio | 31.3671% | 462 |
| Total risk-based capital ratio | 32.6170% | 453 |
| Memoranda: | ||
| Average total assets | $147,072,250 | 3,796 |
| Average earning assets | $138,828,250 | 3,715 |
| Average equity | $33,915,500 | 2,046 |
| Average total loans | $85,610,750 | 3,821 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3929% | 2,589 |
| Cost of funding earning assets | 0.4593% | 4,321 |
| Net interest margin | 3.9336% | 2,095 |
| Noninterest income to average assets | 0.6034% | 3,169 |
| Noninterest expense to average assets | 2.6984% | 4,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1605% | 1,697 |
| Return on assets (ROA) | 1.1663% | 1,795 |
| Pretax return on assets | 1.6239% | 1,294 |
| Return on Equity (ROE) | 5.1210% | 4,659 |
| Retained earnings to average equity (ytd only) | 3.3488% | 4,186 |
| Net charge-offs to loans | 0.0448% | 4,048 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 678 |
| Efficiency ratio | 62.5469% | 5,087 |
| Assets per employee ($millions) | 3.0879% | 5,704 |
| Cash dividends to net income (ytd only)* | 34.6065% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6023% | 3,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8337% | 4,153 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 58.0536% | 3,977 |
| Net loans and leases to deposits | 79.8830% | 2,336 |
| Net loans and leases to core deposits | 80.6438% | 2,961 |
| Total domestic deposits to total assets | 72.6733% | 6,522 |
| Equity capital to assets | 23.4165% | 109 |
| Core capital (leverage) ratio | 23.1343% | 108 |
| Tier 1 risk-based capital ratio | 31.2805% | 465 |
| Total risk-based capital ratio | 32.5304% | 461 |
| Memoranda: | ||
| Average total assets | $148,162,670 | 3,802 |
| Average earning assets | $139,770,670 | 3,726 |
| Average equity | $33,743,670 | 2,068 |
| Average total loans | $84,734,330 | 3,859 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3725% | 2,615 |
| Cost of funding earning assets | 0.4685% | 4,388 |
| Net interest margin | 3.9041% | 2,107 |
| Noninterest income to average assets | 0.4810% | 3,912 |
| Noninterest expense to average assets | 2.7098% | 4,018 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0731% | 1,959 |
| Return on assets (ROA) | 1.0850% | 2,028 |
| Pretax return on assets | 1.4618% | 1,678 |
| Return on Equity (ROE) | 4.8300% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.8300% | 3,340 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2090% | 4,794 |
| Assets per employee ($millions) | 3.1118% | 5,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6916% | 3,044 |
| Loan loss allowance to noncurrent loans | 3,023.9130% | 193 |
| Noncurrent assets plus other real estate owned to assets | 1.1503% | 3,641 |
| Noncurrent loans to loans | 0.0559% | 6,306 |
| Net loans and leases to total assets | 53.0158% | 4,559 |
| Net loans and leases to deposits | 71.4142% | 3,260 |
| Net loans and leases to core deposits | 72.3823% | 3,772 |
| Total domestic deposits to total assets | 74.2371% | 6,518 |
| Equity capital to assets | 22.1840% | 147 |
| Core capital (leverage) ratio | 22.6946% | 117 |
| Tier 1 risk-based capital ratio | 30.9004% | 492 |
| Total risk-based capital ratio | 32.1509% | 486 |
| Memoranda: | ||
| Average total assets | $149,677,500 | 3,817 |
| Average earning assets | $140,879,000 | 3,752 |
| Average equity | $33,623,000 | 2,100 |
| Average total loans | $84,288,000 | 3,892 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 2,776 |
| Cost of funding earning assets | 0.6315% | 4,085 |
| Net interest margin | 4.0235% | 2,300 |
| Noninterest income to average assets | 0.5701% | 3,447 |
| Noninterest expense to average assets | 2.5639% | 4,887 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2446% | 1,461 |
| Return on assets (ROA) | 1.2099% | 1,734 |
| Pretax return on assets | 1.7336% | 1,062 |
| Return on Equity (ROE) | 5.4453% | 4,456 |
| Retained earnings to average equity (ytd only) | 3.1362% | 4,032 |
| Net charge-offs to loans | -0.0161% | 6,522 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9787% | 5,704 |
| Assets per employee ($millions) | 3.1930% | 5,638 |
| Cash dividends to net income (ytd only)* | 42.4058% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6109% | 3,260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2235% | 3,612 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 57.8420% | 4,006 |
| Net loans and leases to deposits | 78.5967% | 2,451 |
| Net loans and leases to core deposits | 79.7177% | 3,047 |
| Total domestic deposits to total assets | 73.5934% | 6,571 |
| Equity capital to assets | 22.7539% | 132 |
| Core capital (leverage) ratio | 22.5023% | 124 |
| Tier 1 risk-based capital ratio | 30.7418% | 483 |
| Total risk-based capital ratio | 31.9919% | 475 |
| Memoranda: | ||
| Average total assets | $149,109,000 | 3,793 |
| Average earning assets | $139,977,800 | 3,726 |
| Average equity | $33,129,200 | 2,078 |
| Average total loans | $93,305,200 | 3,667 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7193% | 2,718 |
| Cost of funding earning assets | 0.6612% | 4,092 |
| Net interest margin | 4.0581% | 2,266 |
| Noninterest income to average assets | 0.5612% | 3,536 |
| Noninterest expense to average assets | 2.5879% | 4,779 |
| Loan and lease loss provision to assets | 0.0445% | 5,214 |
| Net operating income to assets | 1.2025% | 1,725 |
| Return on assets (ROA) | 1.2160% | 1,858 |
| Pretax return on assets | 1.7594% | 1,144 |
| Return on Equity (ROE) | 5.5056% | 4,596 |
| Retained earnings to average equity (ytd only) | 5.5056% | 3,034 |
| Net charge-offs to loans | -0.0140% | 6,425 |
| Credit loss provision to net charge-offs | -500.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1891% | 5,631 |
| Assets per employee ($millions) | 3.2201% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5565% | 3,702 |
| Loan loss allowance to noncurrent loans | 223.6760% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 1.6858% | 3,058 |
| Noncurrent loans to loans | 0.6959% | 5,044 |
| Net loans and leases to total assets | 61.3159% | 3,511 |
| Net loans and leases to deposits | 83.3958% | 1,940 |
| Net loans and leases to core deposits | 93.2810% | 1,654 |
| Total domestic deposits to total assets | 73.5240% | 6,637 |
| Equity capital to assets | 22.7824% | 147 |
| Core capital (leverage) ratio | 22.5557% | 128 |
| Tier 1 risk-based capital ratio | 29.3268% | 560 |
| Total risk-based capital ratio | 30.5747% | 558 |
| Memoranda: | ||
| Average total assets | $149,667,250 | 3,825 |
| Average earning assets | $140,554,250 | 3,757 |
| Average equity | $33,056,500 | 2,101 |
| Average total loans | $95,044,750 | 3,678 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6999% | 2,913 |
| Cost of funding earning assets | 0.6878% | 4,118 |
| Net interest margin | 4.0121% | 2,449 |
| Noninterest income to average assets | 0.6019% | 3,246 |
| Noninterest expense to average assets | 2.5715% | 4,873 |
| Loan and lease loss provision to assets | 0.0666% | 4,802 |
| Net operating income to assets | 1.1985% | 1,727 |
| Return on assets (ROA) | 1.2012% | 1,907 |
| Pretax return on assets | 1.7352% | 1,169 |
| Return on Equity (ROE) | 5.4955% | 4,587 |
| Retained earnings to average equity (ytd only) | 5.4955% | 2,991 |
| Net charge-offs to loans | -0.0146% | 6,364 |
| Credit loss provision to net charge-offs | -714.2857% | 6,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8540% | 5,750 |
| Assets per employee ($millions) | 3.2086% | 5,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 4,034 |
| Loan loss allowance to noncurrent loans | 186.1039% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 1.7593% | 3,091 |
| Noncurrent loans to loans | 0.8028% | 4,899 |
| Net loans and leases to total assets | 62.6530% | 3,295 |
| Net loans and leases to deposits | 84.2566% | 1,823 |
| Net loans and leases to core deposits | 86.1810% | 2,405 |
| Total domestic deposits to total assets | 74.3598% | 6,649 |
| Equity capital to assets | 22.0707% | 155 |
| Core capital (leverage) ratio | 22.1180% | 130 |
| Tier 1 risk-based capital ratio | 28.4487% | 614 |
| Total risk-based capital ratio | 29.6736% | 600 |
| Memoranda: | ||
| Average total assets | $150,182,000 | 3,831 |
| Average earning assets | $141,023,000 | 3,769 |
| Average equity | $32,826,670 | 2,095 |
| Average total loans | $95,973,330 | 3,669 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7110% | 3,016 |
| Cost of funding earning assets | 0.7140% | 4,164 |
| Net interest margin | 3.9969% | 2,522 |
| Noninterest income to average assets | 0.6405% | 2,980 |
| Noninterest expense to average assets | 2.6209% | 4,742 |
| Loan and lease loss provision to assets | 0.1334% | 3,687 |
| Net operating income to assets | 1.1553% | 1,865 |
| Return on assets (ROA) | 1.1610% | 2,031 |
| Pretax return on assets | 1.6441% | 1,447 |
| Return on Equity (ROE) | 5.3377% | 4,619 |
| Retained earnings to average equity (ytd only) | 5.3377% | 3,352 |
| Net charge-offs to loans | 0.0125% | 4,528 |
| Credit loss provision to net charge-offs | 1,666.6667% | 198 |
| Earnings coverage of net charge-offs (x) | 221.0000% | 161 |
| Efficiency ratio | 59.6960% | 5,666 |
| Assets per employee ($millions) | 3.3642% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 4,346 |
| Loan loss allowance to noncurrent loans | 186.7454% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 1.9949% | 2,905 |
| Noncurrent loans to loans | 0.7808% | 5,104 |
| Net loans and leases to total assets | 63.5246% | 2,943 |
| Net loans and leases to deposits | 85.0006% | 1,532 |
| Net loans and leases to core deposits | 86.9229% | 2,185 |
| Total domestic deposits to total assets | 74.7343% | 6,678 |
| Equity capital to assets | 21.6769% | 154 |
| Core capital (leverage) ratio | 22.0353% | 132 |
| Tier 1 risk-based capital ratio | 27.5927% | 677 |
| Total risk-based capital ratio | 28.7892% | 664 |
| Memoranda: | ||
| Average total assets | $149,872,000 | 3,874 |
| Average earning assets | $140,608,500 | 3,801 |
| Average equity | $32,598,500 | 2,108 |
| Average total loans | $96,002,500 | 3,690 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9699% | 3,024 |
| Cost of funding earning assets | 0.8522% | 4,460 |
| Net interest margin | 4.1177% | 2,358 |
| Noninterest income to average assets | 0.5012% | 3,829 |
| Noninterest expense to average assets | 2.5276% | 5,362 |
| Loan and lease loss provision to assets | 0.0268% | 6,240 |
| Net operating income to assets | 1.2876% | 1,280 |
| Return on assets (ROA) | 1.2353% | 1,520 |
| Pretax return on assets | 1.7372% | 914 |
| Return on Equity (ROE) | 5.8785% | 3,931 |
| Retained earnings to average equity (ytd only) | 5.8785% | 2,090 |
| Net charge-offs to loans | 0.1510% | 4,932 |
| Credit loss provision to net charge-offs | 27.2109% | 5,829 |
| Earnings coverage of net charge-offs (x) | 18.6803% | 1,204 |
| Efficiency ratio | 57.9028% | 6,069 |
| Assets per employee ($millions) | 2.6028% | 6,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 4,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7930% | 3,262 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 62.7122% | 3,467 |
| Net loans and leases to deposits | 84.1432% | 1,908 |
| Net loans and leases to core deposits | 86.0658% | 2,626 |
| Total domestic deposits to total assets | 74.5304% | 6,668 |
| Equity capital to assets | 21.8264% | 159 |
| Core capital (leverage) ratio | 21.6270% | 144 |
| Tier 1 risk-based capital ratio | 27.6295% | 650 |
| Total risk-based capital ratio | 28.8036% | 648 |
| Memoranda: | ||
| Average total assets | $149,431,600 | 3,814 |
| Average earning assets | $140,224,000 | 3,741 |
| Average equity | $31,402,400 | 2,107 |
| Average total loans | $97,376,000 | 3,686 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0327% | 2,922 |
| Cost of funding earning assets | 0.8745% | 4,598 |
| Net interest margin | 4.1582% | 2,250 |
| Noninterest income to average assets | 0.4631% | 4,192 |
| Noninterest expense to average assets | 2.5740% | 5,176 |
| Loan and lease loss provision to assets | 0.0356% | 5,992 |
| Net operating income to assets | 1.2380% | 1,546 |
| Return on assets (ROA) | 1.1694% | 1,865 |
| Pretax return on assets | 1.6602% | 1,230 |
| Return on Equity (ROE) | 5.6186% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.6186% | 2,785 |
| Net charge-offs to loans | 0.2079% | 4,134 |
| Credit loss provision to net charge-offs | 26.1438% | 5,473 |
| Earnings coverage of net charge-offs (x) | 13.1637% | 1,639 |
| Efficiency ratio | 58.9315% | 5,878 |
| Assets per employee ($millions) | 3.0380% | 6,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 4,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7405% | 3,491 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 62.6310% | 3,582 |
| Net loans and leases to deposits | 83.6391% | 2,055 |
| Net loans and leases to core deposits | 85.4418% | 2,854 |
| Total domestic deposits to total assets | 74.8824% | 6,654 |
| Equity capital to assets | 21.3940% | 186 |
| Core capital (leverage) ratio | 21.3373% | 166 |
| Tier 1 risk-based capital ratio | 26.9562% | 739 |
| Total risk-based capital ratio | 28.1158% | 735 |
| Memoranda: | ||
| Average total assets | $149,700,250 | 3,828 |
| Average earning assets | $140,570,250 | 3,757 |
| Average equity | $31,157,750 | 2,127 |
| Average total loans | $98,116,500 | 3,696 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0098% | 3,113 |
| Cost of funding earning assets | 0.8932% | 4,728 |
| Net interest margin | 4.1166% | 2,352 |
| Noninterest income to average assets | 0.4161% | 4,545 |
| Noninterest expense to average assets | 2.6150% | 5,134 |
| Loan and lease loss provision to assets | 0.0533% | 5,647 |
| Net operating income to assets | 1.1578% | 1,697 |
| Return on assets (ROA) | 1.0521% | 2,125 |
| Pretax return on assets | 1.4669% | 1,625 |
| Return on Equity (ROE) | 5.1022% | 4,402 |
| Retained earnings to average equity (ytd only) | 5.1022% | 2,939 |
| Net charge-offs to loans | 0.3122% | 3,317 |
| Credit loss provision to net charge-offs | 25.8065% | 5,048 |
| Earnings coverage of net charge-offs (x) | 8.0645% | 2,122 |
| Efficiency ratio | 61.0713% | 5,719 |
| Assets per employee ($millions) | 3.0222% | 6,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 4,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7706% | 3,552 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 63.2864% | 3,621 |
| Net loans and leases to deposits | 84.1775% | 2,085 |
| Net loans and leases to core deposits | 86.0794% | 2,890 |
| Total domestic deposits to total assets | 75.1822% | 6,702 |
| Equity capital to assets | 21.1524% | 207 |
| Core capital (leverage) ratio | 20.7746% | 192 |
| Tier 1 risk-based capital ratio | 26.5264% | 757 |
| Total risk-based capital ratio | 27.6849% | 755 |
| Memoranda: | ||
| Average total assets | $149,979,000 | 3,848 |
| Average earning assets | $140,845,000 | 3,779 |
| Average equity | $30,927,670 | 2,131 |
| Average total loans | $99,287,000 | 3,704 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9689% | 3,254 |
| Cost of funding earning assets | 0.8981% | 4,937 |
| Net interest margin | 4.0708% | 2,388 |
| Noninterest income to average assets | 0.2147% | 6,199 |
| Noninterest expense to average assets | 2.6662% | 4,976 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0310% | 2,069 |
| Return on assets (ROA) | 1.0310% | 2,117 |
| Pretax return on assets | 1.3808% | 1,779 |
| Return on Equity (ROE) | 5.0635% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.0635% | 3,146 |
| Net charge-offs to loans | 0.0197% | 4,798 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 104.2000% | 305 |
| Efficiency ratio | 65.8808% | 5,052 |
| Assets per employee ($millions) | 3.1370% | 5,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 4,454 |
| Loan loss allowance to noncurrent loans | 120.9493% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 2.5529% | 2,676 |
| Noncurrent loans to loans | 1.1962% | 4,687 |
| Net loans and leases to total assets | 66.8655% | 2,797 |
| Net loans and leases to deposits | 88.0580% | 1,457 |
| Net loans and leases to core deposits | 89.6170% | 2,391 |
| Total domestic deposits to total assets | 75.9334% | 6,680 |
| Equity capital to assets | 20.5374% | 228 |
| Core capital (leverage) ratio | 20.3642% | 210 |
| Tier 1 risk-based capital ratio | 24.8685% | 889 |
| Total risk-based capital ratio | 26.0571% | 878 |
| Memoranda: | ||
| Average total assets | $150,925,000 | 3,864 |
| Average earning assets | $142,085,000 | 3,789 |
| Average equity | $30,729,500 | 2,130 |
| Average total loans | $101,387,000 | 3,687 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2105% | 3,553 |
| Cost of funding earning assets | 1.0791% | 5,263 |
| Net interest margin | 4.1314% | 2,444 |
| Noninterest income to average assets | 0.3126% | 5,555 |
| Noninterest expense to average assets | 2.5312% | 5,679 |
| Loan and lease loss provision to assets | 0.1003% | 6,144 |
| Net operating income to assets | 1.0685% | 1,810 |
| Return on assets (ROA) | 1.0685% | 1,899 |
| Pretax return on assets | 1.5241% | 1,314 |
| Return on Equity (ROE) | 5.5611% | 3,813 |
| Retained earnings to average equity (ytd only) | 5.5611% | 2,082 |
| Net charge-offs to loans | 0.3068% | 4,484 |
| Credit loss provision to net charge-offs | 50.6536% | 6,247 |
| Earnings coverage of net charge-offs (x) | 8.2026% | 2,000 |
| Efficiency ratio | 60.9095% | 5,908 |
| Assets per employee ($millions) | 3.1516% | 5,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4739% | 4,163 |
| Loan loss allowance to noncurrent loans | 1,225.6198% | 306 |
| Noncurrent assets plus other real estate owned to assets | 1.9124% | 3,457 |
| Noncurrent loans to loans | 0.1203% | 6,839 |
| Net loans and leases to total assets | 65.5299% | 3,557 |
| Net loans and leases to deposits | 86.0961% | 2,078 |
| Net loans and leases to core deposits | 88.0163% | 3,050 |
| Total domestic deposits to total assets | 76.1125% | 6,623 |
| Equity capital to assets | 20.1850% | 253 |
| Core capital (leverage) ratio | 19.9021% | 241 |
| Tier 1 risk-based capital ratio | 24.7009% | 873 |
| Total risk-based capital ratio | 25.9005% | 860 |
| Memoranda: | ||
| Average total assets | $154,513,000 | 3,800 |
| Average earning assets | $143,729,200 | 3,745 |
| Average equity | $29,688,600 | 2,195 |
| Average total loans | $99,739,200 | 3,799 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2320% | 3,675 |
| Cost of funding earning assets | 1.1078% | 5,381 |
| Net interest margin | 4.1241% | 2,519 |
| Noninterest income to average assets | 0.1228% | 6,936 |
| Noninterest expense to average assets | 2.5083% | 5,692 |
| Loan and lease loss provision to assets | 0.1331% | 5,696 |
| Net operating income to assets | 0.9434% | 2,441 |
| Return on assets (ROA) | 0.9434% | 2,571 |
| Pretax return on assets | 1.3065% | 2,151 |
| Return on Equity (ROE) | 4.9710% | 4,307 |
| Retained earnings to average equity (ytd only) | 4.9710% | 3,012 |
| Net charge-offs to loans | -0.0147% | 7,315 |
| Credit loss provision to net charge-offs | -1,409.0909% | 7,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5356% | 5,338 |
| Assets per employee ($millions) | 3.1242% | 5,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7733% | 2,881 |
| Loan loss allowance to noncurrent loans | 56.2149% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 4.5942% | 1,470 |
| Noncurrent loans to loans | 3.1545% | 2,519 |
| Net loans and leases to total assets | 65.1316% | 3,884 |
| Net loans and leases to deposits | 84.6465% | 2,589 |
| Net loans and leases to core deposits | 86.6865% | 3,560 |
| Total domestic deposits to total assets | 76.9453% | 6,490 |
| Equity capital to assets | 19.5860% | 310 |
| Core capital (leverage) ratio | 19.2714% | 283 |
| Tier 1 risk-based capital ratio | 23.7845% | 971 |
| Total risk-based capital ratio | 25.0371% | 948 |
| Memoranda: | ||
| Average total assets | $155,322,250 | 3,838 |
| Average earning assets | $144,059,500 | 3,791 |
| Average equity | $29,477,000 | 2,238 |
| Average total loans | $99,520,500 | 3,874 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2603% | 3,648 |
| Cost of funding earning assets | 1.1182% | 5,577 |
| Net interest margin | 4.1421% | 2,366 |
| Noninterest income to average assets | 0.4062% | 4,859 |
| Noninterest expense to average assets | 2.5066% | 5,697 |
| Loan and lease loss provision to assets | 0.1986% | 4,881 |
| Net operating income to assets | 1.0905% | 1,886 |
| Return on assets (ROA) | 1.0905% | 1,955 |
| Pretax return on assets | 1.5365% | 1,459 |
| Return on Equity (ROE) | 5.8072% | 3,890 |
| Retained earnings to average equity (ytd only) | 5.8072% | 2,443 |
| Net charge-offs to loans | -0.0162% | 7,254 |
| Credit loss provision to net charge-offs | -1,937.5000% | 6,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0937% | 6,201 |
| Assets per employee ($millions) | 3.1484% | 5,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8206% | 2,666 |
| Loan loss allowance to noncurrent loans | 1,426.1905% | 254 |
| Noncurrent assets plus other real estate owned to assets | 2.8365% | 2,543 |
| Noncurrent loans to loans | 0.1277% | 7,010 |
| Net loans and leases to total assets | 62.8140% | 4,514 |
| Net loans and leases to deposits | 81.4458% | 3,353 |
| Net loans and leases to core deposits | 82.8503% | 4,304 |
| Total domestic deposits to total assets | 77.1237% | 6,474 |
| Equity capital to assets | 19.2743% | 325 |
| Core capital (leverage) ratio | 19.0708% | 288 |
| Tier 1 risk-based capital ratio | 23.6923% | 976 |
| Total risk-based capital ratio | 24.9448% | 956 |
| Memoranda: | ||
| Average total assets | $156,068,330 | 3,858 |
| Average earning assets | $144,515,670 | 3,809 |
| Average equity | $29,308,330 | 2,238 |
| Average total loans | $98,858,670 | 3,934 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2540% | 3,766 |
| Cost of funding earning assets | 1.1198% | 5,807 |
| Net interest margin | 4.1343% | 2,304 |
| Noninterest income to average assets | 0.3593% | 5,266 |
| Noninterest expense to average assets | 2.5152% | 5,678 |
| Loan and lease loss provision to assets | 0.1911% | 4,585 |
| Net operating income to assets | 1.0754% | 1,912 |
| Return on assets (ROA) | 1.0754% | 1,989 |
| Pretax return on assets | 1.4729% | 1,585 |
| Return on Equity (ROE) | 5.8017% | 3,964 |
| Retained earnings to average equity (ytd only) | 5.8017% | 2,713 |
| Net charge-offs to loans | -0.0202% | 7,080 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1829% | 6,133 |
| Assets per employee ($millions) | 3.3074% | 5,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7472% | 2,904 |
| Loan loss allowance to noncurrent loans | 1,339.0625% | 262 |
| Noncurrent assets plus other real estate owned to assets | 2.8824% | 2,494 |
| Noncurrent loans to loans | 0.1305% | 7,077 |
| Net loans and leases to total assets | 60.7123% | 4,995 |
| Net loans and leases to deposits | 77.8768% | 4,068 |
| Net loans and leases to core deposits | 79.3377% | 4,850 |
| Total domestic deposits to total assets | 77.9594% | 6,323 |
| Equity capital to assets | 18.4597% | 380 |
| Core capital (leverage) ratio | 18.7588% | 324 |
| Tier 1 risk-based capital ratio | 23.2033% | 1,042 |
| Total risk-based capital ratio | 24.4543% | 1,027 |
| Memoranda: | ||
| Average total assets | $156,966,000 | 3,894 |
| Average earning assets | $145,031,000 | 3,847 |
| Average equity | $29,095,000 | 2,282 |
| Average total loans | $98,937,000 | 3,987 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4438% | 4,474 |
| Cost of funding earning assets | 1.2737% | 6,401 |
| Net interest margin | 4.1701% | 2,179 |
| Noninterest income to average assets | 0.7159% | 2,867 |
| Noninterest expense to average assets | 2.7919% | 5,007 |
| Loan and lease loss provision to assets | 0.4930% | 3,909 |
| Net operating income to assets | 0.9604% | 1,983 |
| Return on assets (ROA) | 0.9604% | 2,029 |
| Pretax return on assets | 1.3180% | 1,645 |
| Return on Equity (ROE) | 5.1403% | 3,607 |
| Retained earnings to average equity (ytd only) | 2.9237% | 3,122 |
| Net charge-offs to loans | 0.8881% | 2,620 |
| Credit loss provision to net charge-offs | 84.1751% | 6,184 |
| Earnings coverage of net charge-offs (x) | 3.0920% | 3,518 |
| Efficiency ratio | 60.6541% | 6,378 |
| Assets per employee ($millions) | 3.1035% | 5,983 |
| Cash dividends to net income (ytd only)* | 43.1211% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6377% | 3,134 |
| Loan loss allowance to noncurrent loans | 287.1705% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 3.0082% | 2,329 |
| Noncurrent loans to loans | 0.5703% | 6,098 |
| Net loans and leases to total assets | 63.2454% | 4,763 |
| Net loans and leases to deposits | 81.4874% | 3,699 |
| Net loans and leases to core deposits | 92.9973% | 4,780 |
| Total domestic deposits to total assets | 77.6137% | 6,318 |
| Equity capital to assets | 18.6138% | 399 |
| Core capital (leverage) ratio | 18.6826% | 355 |
| Tier 1 risk-based capital ratio | 22.8085% | 1,061 |
| Total risk-based capital ratio | 24.0593% | 1,038 |
| Memoranda: | ||
| Average total assets | $152,119,000 | 3,924 |
| Average earning assets | $141,794,400 | 3,863 |
| Average equity | $28,422,600 | 2,340 |
| Average total loans | $100,328,800 | 3,942 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4732% | 4,563 |
| Cost of funding earning assets | 1.2973% | 6,568 |
| Net interest margin | 4.1758% | 2,132 |
| Noninterest income to average assets | 0.6880% | 3,105 |
| Noninterest expense to average assets | 2.8603% | 4,615 |
| Loan and lease loss provision to assets | 0.5285% | 3,271 |
| Net operating income to assets | 0.8976% | 2,430 |
| Return on assets (ROA) | 0.8976% | 2,500 |
| Pretax return on assets | 1.2007% | 2,260 |
| Return on Equity (ROE) | 4.7996% | 4,047 |
| Retained earnings to average equity (ytd only) | 1.8322% | 4,297 |
| Net charge-offs to loans | 1.1838% | 1,713 |
| Credit loss provision to net charge-offs | 67.2646% | 6,035 |
| Earnings coverage of net charge-offs (x) | 2.2007% | 4,173 |
| Efficiency ratio | 62.3225% | 6,054 |
| Assets per employee ($millions) | 3.0690% | 5,989 |
| Cash dividends to net income (ytd only)* | 61.8255% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 3,348 |
| Loan loss allowance to noncurrent loans | 302.0367% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 3.0529% | 2,262 |
| Noncurrent loans to loans | 0.5016% | 6,304 |
| Net loans and leases to total assets | 64.1085% | 4,844 |
| Net loans and leases to deposits | 83.0207% | 3,828 |
| Net loans and leases to core deposits | 93.0821% | 5,124 |
| Total domestic deposits to total assets | 77.2199% | 6,285 |
| Equity capital to assets | 18.9133% | 426 |
| Core capital (leverage) ratio | 18.7703% | 397 |
| Tier 1 risk-based capital ratio | 22.9397% | 1,117 |
| Total risk-based capital ratio | 24.1358% | 1,092 |
| Memoranda: | ||
| Average total assets | $151,355,000 | 3,958 |
| Average earning assets | $141,413,500 | 3,903 |
| Average equity | $28,307,250 | 2,371 |
| Average total loans | $100,467,250 | 3,966 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5101% | 4,568 |
| Cost of funding earning assets | 1.3265% | 6,712 |
| Net interest margin | 4.1837% | 2,051 |
| Noninterest income to average assets | 0.6751% | 3,153 |
| Noninterest expense to average assets | 2.8112% | 4,915 |
| Loan and lease loss provision to assets | 0.5934% | 2,666 |
| Net operating income to assets | 0.9032% | 2,446 |
| Return on assets (ROA) | 0.9032% | 2,543 |
| Pretax return on assets | 1.1880% | 2,335 |
| Return on Equity (ROE) | 4.8474% | 4,145 |
| Retained earnings to average equity (ytd only) | 2.7245% | 3,818 |
| Net charge-offs to loans | 1.0955% | 1,655 |
| Credit loss provision to net charge-offs | 81.0811% | 5,163 |
| Earnings coverage of net charge-offs (x) | 2.4342% | 3,851 |
| Efficiency ratio | 61.2116% | 6,366 |
| Assets per employee ($millions) | 3.1874% | 5,617 |
| Cash dividends to net income (ytd only)* | 43.7956% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6708% | 2,440 |
| Loan loss allowance to noncurrent loans | 111.4076% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 3.7054% | 1,658 |
| Noncurrent loans to loans | 1.4997% | 4,248 |
| Net loans and leases to total assets | 65.6049% | 4,646 |
| Net loans and leases to deposits | 84.8458% | 3,746 |
| Net loans and leases to core deposits | 95.4361% | 4,964 |
| Total domestic deposits to total assets | 77.3225% | 6,250 |
| Equity capital to assets | 18.9828% | 461 |
| Core capital (leverage) ratio | 18.4690% | 460 |
| Tier 1 risk-based capital ratio | 22.6742% | 1,172 |
| Total risk-based capital ratio | 23.9252% | 1,139 |
| Memoranda: | ||
| Average total assets | $151,679,670 | 3,967 |
| Average earning assets | $142,029,000 | 3,900 |
| Average equity | $28,262,330 | 2,390 |
| Average total loans | $101,326,330 | 3,979 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4239% | 5,297 |
| Cost of funding earning assets | 1.3497% | 6,877 |
| Net interest margin | 4.0742% | 2,387 |
| Noninterest income to average assets | 0.6552% | 3,172 |
| Noninterest expense to average assets | 2.9145% | 4,109 |
| Loan and lease loss provision to assets | 0.3931% | 2,971 |
| Net operating income to assets | 0.9540% | 2,499 |
| Return on assets (ROA) | 0.9540% | 2,629 |
| Pretax return on assets | 1.1768% | 2,696 |
| Return on Equity (ROE) | 5.1678% | 4,397 |
| Retained earnings to average equity (ytd only) | 3.4499% | 3,970 |
| Net charge-offs to loans | -0.0078% | 7,245 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9912% | 5,505 |
| Assets per employee ($millions) | 3.2111% | 5,568 |
| Cash dividends to net income (ytd only)* | 33.2418% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8758% | 1,677 |
| Loan loss allowance to noncurrent loans | 48.3078% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 3.9667% | 1,300 |
| Noncurrent loans to loans | 3.8831% | 1,574 |
| Net loans and leases to total assets | 65.3979% | 4,727 |
| Net loans and leases to deposits | 83.8771% | 4,002 |
| Net loans and leases to core deposits | 95.9023% | 4,979 |
| Total domestic deposits to total assets | 77.9687% | 6,024 |
| Equity capital to assets | 18.3579% | 562 |
| Core capital (leverage) ratio | 18.5360% | 493 |
| Tier 1 risk-based capital ratio | 22.1829% | 1,280 |
| Total risk-based capital ratio | 23.4364% | 1,247 |
| Memoranda: | ||
| Average total assets | $152,615,000 | 3,966 |
| Average earning assets | $143,439,500 | 3,885 |
| Average equity | $28,174,500 | 2,404 |
| Average total loans | $102,013,500 | 3,980 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4379% | 3,232 |
| Cost of funding earning assets | 1.6993% | 7,259 |
| Net interest margin | 4.7386% | 890 |
| Noninterest income to average assets | 0.8088% | 2,466 |
| Noninterest expense to average assets | 2.5313% | 5,884 |
| Loan and lease loss provision to assets | 0.1016% | 6,083 |
| Net operating income to assets | 1.8072% | 549 |
| Return on assets (ROA) | 1.8072% | 524 |
| Pretax return on assets | 2.6675% | 141 |
| Return on Equity (ROE) | 9.7672% | 2,338 |
| Retained earnings to average equity (ytd only) | 6.0880% | 1,491 |
| Net charge-offs to loans | 0.0458% | 6,133 |
| Credit loss provision to net charge-offs | 340.9091% | 1,331 |
| Earnings coverage of net charge-offs (x) | 92.9091% | 455 |
| Efficiency ratio | 47.7572% | 7,826 |
| Assets per employee ($millions) | 3.0836% | 5,824 |
| Cash dividends to net income (ytd only)* | 37.6687% | 3,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7522% | 1,753 |
| Loan loss allowance to noncurrent loans | 49.9016% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 3.7566% | 1,148 |
| Noncurrent loans to loans | 3.5114% | 1,444 |
| Net loans and leases to total assets | 65.8685% | 4,873 |
| Net loans and leases to deposits | 86.9851% | 3,950 |
| Net loans and leases to core deposits | 98.8970% | 4,939 |
| Total domestic deposits to total assets | 75.7239% | 6,301 |
| Equity capital to assets | 18.5665% | 593 |
| Core capital (leverage) ratio | 18.2622% | 576 |
| Tier 1 risk-based capital ratio | 22.0754% | 1,307 |
| Total risk-based capital ratio | 23.3274% | 1,272 |
| Memoranda: | ||
| Average total assets | $147,630,400 | 3,942 |
| Average earning assets | $139,936,200 | 3,851 |
| Average equity | $27,316,000 | 2,453 |
| Average total loans | $96,032,400 | 4,054 |