Home > King Southern Bank > Performance and Condition Ratios
King Southern Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3411% | 704 |
| Cost of funding earning assets | 1.4281% | 413 |
| Net interest margin | 3.9130% | 2,148 |
| Noninterest income to average assets | 0.1977% | 4,574 |
| Noninterest expense to average assets | 2.4418% | 3,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3860% | 1,416 |
| Return on assets (ROA) | 1.3860% | 1,450 |
| Pretax return on assets | 1.3860% | 2,135 |
| Return on Equity (ROE) | 12.3887% | 1,413 |
| Retained earnings to average equity (ytd only) | 3.2794% | 3,610 |
| Net charge-offs to loans | -0.0047% | 4,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7913% | 3,272 |
| Assets per employee ($millions) | 5.8653% | 1,652 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 3,210 |
| Loan loss allowance to noncurrent loans | 134.0489% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.8659% | 1,638 |
| Noncurrent loans to loans | 0.8093% | 2,018 |
| Net loans and leases to total assets | 85.3143% | 252 |
| Net loans and leases to deposits | 132.6068% | 36 |
| Net loans and leases to core deposits | 152.5789% | 113 |
| Total domestic deposits to total assets | 64.3362% | 5,233 |
| Equity capital to assets | 11.4582% | 2,433 |
| Core capital (leverage) ratio | 11.2856% | 2,304 |
| Tier 1 risk-based capital ratio | 13.4815% | 3,613 |
| Total risk-based capital ratio | 14.5840% | 3,609 |
| Memoranda: | ||
| Average total assets | $196,245,500 | 2,940 |
| Average earning assets | $182,061,000 | 2,927 |
| Average equity | $21,955,500 | 2,979 |
| Average total loans | $168,748,000 | 2,486 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2675% | 619 |
| Cost of funding earning assets | 1.0799% | 530 |
| Net interest margin | 4.1876% | 1,424 |
| Noninterest income to average assets | 0.2232% | 4,590 |
| Noninterest expense to average assets | 2.4178% | 3,838 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6890% | 708 |
| Return on assets (ROA) | 1.7547% | 605 |
| Pretax return on assets | 1.7547% | 1,039 |
| Return on Equity (ROE) | 16.0945% | 613 |
| Retained earnings to average equity (ytd only) | 6.2779% | 2,047 |
| Net charge-offs to loans | -0.0054% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8732% | 4,026 |
| Assets per employee ($millions) | 5.6839% | 1,784 |
| Cash dividends to net income (ytd only)* | 60.9933% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 3,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 4,009 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 84.8243% | 332 |
| Net loans and leases to deposits | 135.3433% | 34 |
| Net loans and leases to core deposits | 155.0062% | 110 |
| Total domestic deposits to total assets | 62.6734% | 5,296 |
| Equity capital to assets | 10.9246% | 2,765 |
| Core capital (leverage) ratio | 11.1328% | 2,410 |
| Tier 1 risk-based capital ratio | 12.9554% | 3,873 |
| Total risk-based capital ratio | 14.0224% | 3,859 |
| Memoranda: | ||
| Average total assets | $196,211,400 | 2,905 |
| Average earning assets | $181,964,200 | 2,897 |
| Average equity | $21,392,400 | 2,951 |
| Average total loans | $167,376,200 | 2,464 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1997% | 627 |
| Cost of funding earning assets | 1.0111% | 568 |
| Net interest margin | 4.1886% | 1,389 |
| Noninterest income to average assets | 0.2230% | 4,632 |
| Noninterest expense to average assets | 2.4480% | 3,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6618% | 814 |
| Return on assets (ROA) | 1.7497% | 671 |
| Pretax return on assets | 1.7497% | 1,144 |
| Return on Equity (ROE) | 16.0567% | 690 |
| Retained earnings to average equity (ytd only) | 8.5477% | 1,396 |
| Net charge-offs to loans | -0.0048% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5653% | 3,872 |
| Assets per employee ($millions) | 5.5781% | 1,846 |
| Cash dividends to net income (ytd only)* | 46.7654% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 3,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 4,132 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 85.2181% | 337 |
| Net loans and leases to deposits | 131.9562% | 40 |
| Net loans and leases to core deposits | 151.6978% | 123 |
| Total domestic deposits to total assets | 64.5806% | 5,343 |
| Equity capital to assets | 11.0781% | 2,596 |
| Core capital (leverage) ratio | 11.2405% | 2,386 |
| Tier 1 risk-based capital ratio | 13.1377% | 3,824 |
| Total risk-based capital ratio | 14.2167% | 3,834 |
| Memoranda: | ||
| Average total assets | $195,530,250 | 2,936 |
| Average earning assets | $181,440,250 | 2,932 |
| Average equity | $21,307,250 | 2,973 |
| Average total loans | $166,581,500 | 2,483 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1455% | 610 |
| Cost of funding earning assets | 0.9594% | 559 |
| Net interest margin | 4.1861% | 1,317 |
| Noninterest income to average assets | 0.2362% | 4,602 |
| Noninterest expense to average assets | 2.4914% | 3,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6255% | 864 |
| Return on assets (ROA) | 1.7574% | 643 |
| Pretax return on assets | 1.7574% | 1,078 |
| Return on Equity (ROE) | 16.2167% | 629 |
| Retained earnings to average equity (ytd only) | 10.5564% | 774 |
| Net charge-offs to loans | -0.0048% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5165% | 3,854 |
| Assets per employee ($millions) | 5.5747% | 1,820 |
| Cash dividends to net income (ytd only)* | 34.9040% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 3,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 4,154 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 85.0925% | 344 |
| Net loans and leases to deposits | 126.5996% | 59 |
| Net loans and leases to core deposits | 143.9612% | 162 |
| Total domestic deposits to total assets | 67.2139% | 5,358 |
| Equity capital to assets | 10.9960% | 2,646 |
| Core capital (leverage) ratio | 11.1205% | 2,424 |
| Tier 1 risk-based capital ratio | 13.1001% | 3,850 |
| Total risk-based capital ratio | 14.1871% | 3,850 |
| Memoranda: | ||
| Average total assets | $195,629,670 | 2,945 |
| Average earning assets | $181,361,670 | 2,949 |
| Average equity | $21,200,330 | 3,000 |
| Average total loans | $166,049,000 | 2,500 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0824% | 605 |
| Cost of funding earning assets | 0.9124% | 559 |
| Net interest margin | 4.1699% | 1,243 |
| Noninterest income to average assets | 0.2205% | 4,688 |
| Noninterest expense to average assets | 2.4831% | 3,701 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6009% | 859 |
| Return on assets (ROA) | 1.8643% | 499 |
| Pretax return on assets | 1.8643% | 788 |
| Return on Equity (ROE) | 17.3302% | 479 |
| Retained earnings to average equity (ytd only) | 17.3302% | 181 |
| Net charge-offs to loans | -0.0048% | 4,001 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8000% | 3,965 |
| Assets per employee ($millions) | 5.6165% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 3,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 4,260 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 84.4407% | 393 |
| Net loans and leases to deposits | 127.7365% | 44 |
| Net loans and leases to core deposits | 143.2105% | 180 |
| Total domestic deposits to total assets | 66.1054% | 5,461 |
| Equity capital to assets | 10.8222% | 2,751 |
| Core capital (leverage) ratio | 11.1235% | 2,319 |
| Tier 1 risk-based capital ratio | 12.9458% | 3,981 |
| Total risk-based capital ratio | 14.0291% | 3,963 |
| Memoranda: | ||
| Average total assets | $195,886,500 | 2,970 |
| Average earning assets | $181,489,500 | 2,977 |
| Average equity | $21,073,000 | 3,039 |
| Average total loans | $165,157,000 | 2,524 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3180% | 351 |
| Cost of funding earning assets | 0.8264% | 536 |
| Net interest margin | 4.4916% | 622 |
| Noninterest income to average assets | 0.3193% | 4,180 |
| Noninterest expense to average assets | 2.4860% | 3,832 |
| Loan and lease loss provision to assets | 0.1496% | 1,513 |
| Net operating income to assets | 1.8291% | 389 |
| Return on assets (ROA) | 1.8534% | 374 |
| Pretax return on assets | 1.8534% | 682 |
| Return on Equity (ROE) | 16.7562% | 416 |
| Retained earnings to average equity (ytd only) | 5.2061% | 1,999 |
| Net charge-offs to loans | -0.0073% | 4,717 |
| Credit loss provision to net charge-offs | -2,518.1818% | 5,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6806% | 4,793 |
| Assets per employee ($millions) | 5.4221% | 2,021 |
| Cash dividends to net income (ytd only)* | 68.9303% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 3,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 4,308 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 82.3383% | 634 |
| Net loans and leases to deposits | 120.8320% | 107 |
| Net loans and leases to core deposits | 136.5096% | 243 |
| Total domestic deposits to total assets | 68.1428% | 5,469 |
| Equity capital to assets | 10.6928% | 2,947 |
| Core capital (leverage) ratio | 10.7659% | 2,572 |
| Tier 1 risk-based capital ratio | 12.7225% | 4,078 |
| Total risk-based capital ratio | 13.8330% | 4,050 |
| Memoranda: | ||
| Average total assets | $185,115,000 | 3,067 |
| Average earning assets | $170,852,400 | 3,060 |
| Average equity | $20,476,000 | 3,086 |
| Average total loans | $150,236,000 | 2,650 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2253% | 400 |
| Cost of funding earning assets | 0.8214% | 508 |
| Net interest margin | 4.4039% | 724 |
| Noninterest income to average assets | 0.3447% | 4,075 |
| Noninterest expense to average assets | 2.4965% | 3,751 |
| Loan and lease loss provision to assets | 0.1533% | 1,358 |
| Net operating income to assets | 1.7547% | 516 |
| Return on assets (ROA) | 1.7875% | 489 |
| Pretax return on assets | 1.7875% | 913 |
| Return on Equity (ROE) | 16.0177% | 528 |
| Retained earnings to average equity (ytd only) | 8.8529% | 895 |
| Net charge-offs to loans | -0.0082% | 4,575 |
| Credit loss provision to net charge-offs | -2,333.3333% | 5,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6810% | 4,649 |
| Assets per employee ($millions) | 5.4940% | 1,929 |
| Cash dividends to net income (ytd only)* | 44.7303% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 3,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 4,408 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 81.0372% | 834 |
| Net loans and leases to deposits | 114.2125% | 177 |
| Net loans and leases to core deposits | 128.7027% | 362 |
| Total domestic deposits to total assets | 70.9530% | 5,441 |
| Equity capital to assets | 11.2946% | 2,579 |
| Core capital (leverage) ratio | 11.4308% | 2,071 |
| Tier 1 risk-based capital ratio | 13.7031% | 3,573 |
| Total risk-based capital ratio | 14.8376% | 3,567 |
| Memoranda: | ||
| Average total assets | $182,594,750 | 3,113 |
| Average earning assets | $168,330,500 | 3,120 |
| Average equity | $20,377,000 | 3,122 |
| Average total loans | $147,164,750 | 2,702 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2177% | 385 |
| Cost of funding earning assets | 0.8143% | 493 |
| Net interest margin | 4.4034% | 699 |
| Noninterest income to average assets | 0.4040% | 3,667 |
| Noninterest expense to average assets | 2.5829% | 3,486 |
| Loan and lease loss provision to assets | 0.1325% | 1,573 |
| Net operating income to assets | 1.7473% | 509 |
| Return on assets (ROA) | 1.8279% | 442 |
| Pretax return on assets | 1.8279% | 785 |
| Return on Equity (ROE) | 16.4476% | 465 |
| Retained earnings to average equity (ytd only) | 7.2604% | 1,468 |
| Net charge-offs to loans | -0.0069% | 4,421 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8778% | 4,608 |
| Assets per employee ($millions) | 5.3661% | 1,999 |
| Cash dividends to net income (ytd only)* | 55.8575% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 3,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1781% | 4,467 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 80.7044% | 849 |
| Net loans and leases to deposits | 109.1935% | 280 |
| Net loans and leases to core deposits | 127.2850% | 360 |
| Total domestic deposits to total assets | 73.9095% | 5,299 |
| Equity capital to assets | 11.2225% | 2,568 |
| Core capital (leverage) ratio | 11.1339% | 2,287 |
| Tier 1 risk-based capital ratio | 13.5734% | 3,659 |
| Total risk-based capital ratio | 14.6687% | 3,655 |
| Memoranda: | ||
| Average total assets | $181,194,000 | 3,142 |
| Average earning assets | $167,007,000 | 3,149 |
| Average equity | $20,136,670 | 3,147 |
| Average total loans | $145,184,330 | 2,728 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1920% | 385 |
| Cost of funding earning assets | 0.8117% | 452 |
| Net interest margin | 4.3803% | 659 |
| Noninterest income to average assets | 0.3611% | 3,954 |
| Noninterest expense to average assets | 2.5852% | 3,551 |
| Loan and lease loss provision to assets | 0.0665% | 2,472 |
| Net operating income to assets | 1.7500% | 498 |
| Return on assets (ROA) | 1.9117% | 366 |
| Pretax return on assets | 1.9117% | 609 |
| Return on Equity (ROE) | 17.2881% | 390 |
| Retained earnings to average equity (ytd only) | 8.7743% | 1,153 |
| Net charge-offs to loans | -0.0056% | 4,219 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7318% | 4,626 |
| Assets per employee ($millions) | 5.1146% | 2,286 |
| Cash dividends to net income (ytd only)* | 49.2468% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 3,825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 4,533 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 76.8238% | 1,287 |
| Net loans and leases to deposits | 105.4338% | 342 |
| Net loans and leases to core deposits | 122.9624% | 391 |
| Total domestic deposits to total assets | 72.8645% | 5,498 |
| Equity capital to assets | 10.9562% | 2,680 |
| Core capital (leverage) ratio | 11.1411% | 2,242 |
| Tier 1 risk-based capital ratio | 13.7208% | 3,655 |
| Total risk-based capital ratio | 14.7804% | 3,668 |
| Memoranda: | ||
| Average total assets | $180,568,000 | 3,182 |
| Average earning assets | $166,563,000 | 3,182 |
| Average equity | $19,967,500 | 3,178 |
| Average total loans | $143,337,000 | 2,771 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3731% | 307 |
| Cost of funding earning assets | 0.7708% | 574 |
| Net interest margin | 4.6023% | 510 |
| Noninterest income to average assets | 0.2491% | 4,934 |
| Noninterest expense to average assets | 2.8020% | 3,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6827% | 569 |
| Return on assets (ROA) | 1.6861% | 592 |
| Pretax return on assets | 1.6861% | 1,040 |
| Return on Equity (ROE) | 14.7779% | 657 |
| Retained earnings to average equity (ytd only) | 2.1075% | 4,337 |
| Net charge-offs to loans | 0.3490% | 778 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 6.0225% | 3,242 |
| Efficiency ratio | 62.4793% | 4,178 |
| Assets per employee ($millions) | 4.9170% | 2,491 |
| Cash dividends to net income (ytd only)* | 85.7385% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 3,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 4,587 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 80.3149% | 849 |
| Net loans and leases to deposits | 114.9484% | 144 |
| Net loans and leases to core deposits | 129.5300% | 294 |
| Total domestic deposits to total assets | 69.8704% | 5,671 |
| Equity capital to assets | 11.1642% | 2,462 |
| Core capital (leverage) ratio | 11.3347% | 2,054 |
| Tier 1 risk-based capital ratio | 13.4817% | 3,779 |
| Total risk-based capital ratio | 14.5240% | 3,826 |
| Memoranda: | ||
| Average total assets | $174,659,400 | 3,223 |
| Average earning assets | $160,745,600 | 3,226 |
| Average equity | $19,928,400 | 3,175 |
| Average total loans | $139,822,000 | 2,783 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3984% | 296 |
| Cost of funding earning assets | 0.7743% | 563 |
| Net interest margin | 4.6241% | 481 |
| Noninterest income to average assets | 0.4320% | 3,679 |
| Noninterest expense to average assets | 2.8210% | 2,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.8651% | 435 |
| Return on assets (ROA) | 1.8697% | 449 |
| Pretax return on assets | 1.8697% | 760 |
| Return on Equity (ROE) | 16.2974% | 512 |
| Retained earnings to average equity (ytd only) | 5.4480% | 2,520 |
| Net charge-offs to loans | 0.1815% | 1,291 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 12.8838% | 2,350 |
| Efficiency ratio | 60.1994% | 4,512 |
| Assets per employee ($millions) | 4.7418% | 2,679 |
| Cash dividends to net income (ytd only)* | 66.5709% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 2,588 |
| Loan loss allowance to noncurrent loans | 599.6689% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 3,290 |
| Noncurrent loans to loans | 0.2196% | 4,481 |
| Net loans and leases to total assets | 79.4902% | 967 |
| Net loans and leases to deposits | 109.6066% | 269 |
| Net loans and leases to core deposits | 124.0327% | 415 |
| Total domestic deposits to total assets | 72.5232% | 5,563 |
| Equity capital to assets | 11.8533% | 2,214 |
| Core capital (leverage) ratio | 11.6056% | 1,953 |
| Tier 1 risk-based capital ratio | 14.3754% | 3,344 |
| Total risk-based capital ratio | 15.6262% | 3,275 |
| Memoranda: | ||
| Average total assets | $174,071,250 | 3,241 |
| Average earning assets | $160,142,500 | 3,252 |
| Average equity | $19,970,000 | 3,194 |
| Average total loans | $138,857,750 | 2,802 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4209% | 286 |
| Cost of funding earning assets | 0.7757% | 552 |
| Net interest margin | 4.6452% | 464 |
| Noninterest income to average assets | 0.4932% | 3,243 |
| Noninterest expense to average assets | 2.7478% | 3,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.0183% | 322 |
| Return on assets (ROA) | 2.0229% | 336 |
| Pretax return on assets | 2.0229% | 547 |
| Return on Equity (ROE) | 17.8252% | 372 |
| Retained earnings to average equity (ytd only) | 9.5262% | 707 |
| Net charge-offs to loans | 0.2756% | 868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 9.2083% | 2,436 |
| Efficiency ratio | 57.6527% | 4,953 |
| Assets per employee ($millions) | 4.7146% | 2,686 |
| Cash dividends to net income (ytd only)* | 46.5576% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 2,900 |
| Loan loss allowance to noncurrent loans | 598.6755% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.5314% | 3,436 |
| Noncurrent loans to loans | 0.2138% | 4,585 |
| Net loans and leases to total assets | 79.9346% | 919 |
| Net loans and leases to deposits | 109.8664% | 258 |
| Net loans and leases to core deposits | 122.7523% | 443 |
| Total domestic deposits to total assets | 72.7562% | 5,619 |
| Equity capital to assets | 11.6957% | 2,361 |
| Core capital (leverage) ratio | 11.4593% | 2,022 |
| Tier 1 risk-based capital ratio | 14.1655% | 3,517 |
| Total risk-based capital ratio | 15.4161% | 3,429 |
| Memoranda: | ||
| Average total assets | $175,193,670 | 3,252 |
| Average earning assets | $161,154,000 | 3,256 |
| Average equity | $19,882,000 | 3,211 |
| Average total loans | $139,309,000 | 2,803 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4571% | 275 |
| Cost of funding earning assets | 0.7909% | 508 |
| Net interest margin | 4.6661% | 446 |
| Noninterest income to average assets | 0.5559% | 2,771 |
| Noninterest expense to average assets | 2.6815% | 3,486 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1621% | 244 |
| Return on assets (ROA) | 2.1712% | 254 |
| Pretax return on assets | 2.1712% | 402 |
| Return on Equity (ROE) | 19.4272% | 269 |
| Retained earnings to average equity (ytd only) | 10.7634% | 697 |
| Net charge-offs to loans | 0.5783% | 384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.7450% | 2,396 |
| Efficiency ratio | 55.3622% | 5,248 |
| Assets per employee ($millions) | 4.7854% | 2,620 |
| Cash dividends to net income (ytd only)* | 44.5960% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 3,000 |
| Loan loss allowance to noncurrent loans | 596.0265% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 3,463 |
| Noncurrent loans to loans | 0.2150% | 4,661 |
| Net loans and leases to total assets | 78.3235% | 1,061 |
| Net loans and leases to deposits | 104.6405% | 382 |
| Net loans and leases to core deposits | 117.8103% | 536 |
| Total domestic deposits to total assets | 74.8500% | 5,537 |
| Equity capital to assets | 11.2336% | 2,698 |
| Core capital (leverage) ratio | 11.0904% | 2,323 |
| Tier 1 risk-based capital ratio | 13.8678% | 3,778 |
| Total risk-based capital ratio | 15.1182% | 3,711 |
| Memoranda: | ||
| Average total assets | $175,570,500 | 3,253 |
| Average earning assets | $161,332,500 | 3,268 |
| Average equity | $19,622,000 | 3,242 |
| Average total loans | $138,340,500 | 2,816 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4875% | 267 |
| Cost of funding earning assets | 0.8123% | 463 |
| Net interest margin | 4.6753% | 474 |
| Noninterest income to average assets | 0.1622% | 5,612 |
| Noninterest expense to average assets | 2.6032% | 3,912 |
| Loan and lease loss provision to assets | 0.0017% | 4,353 |
| Net operating income to assets | 1.8444% | 450 |
| Return on assets (ROA) | 1.5772% | 763 |
| Pretax return on assets | 1.5772% | 1,319 |
| Return on Equity (ROE) | 14.5085% | 764 |
| Retained earnings to average equity (ytd only) | 1.6006% | 4,806 |
| Net charge-offs to loans | 0.0022% | 4,399 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 1,096.3333% | 48 |
| Efficiency ratio | 58.5089% | 5,087 |
| Assets per employee ($millions) | 4.5811% | 2,912 |
| Cash dividends to net income (ytd only)* | 88.9680% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 2,138 |
| Loan loss allowance to noncurrent loans | 503.7783% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 3,181 |
| Noncurrent loans to loans | 0.2915% | 4,417 |
| Net loans and leases to total assets | 77.0914% | 1,243 |
| Net loans and leases to deposits | 103.9407% | 439 |
| Net loans and leases to core deposits | 114.6348% | 650 |
| Total domestic deposits to total assets | 74.1686% | 5,626 |
| Equity capital to assets | 11.1177% | 2,714 |
| Core capital (leverage) ratio | 10.8591% | 2,547 |
| Tier 1 risk-based capital ratio | 13.7858% | 3,832 |
| Total risk-based capital ratio | 15.0380% | 3,760 |
| Memoranda: | ||
| Average total assets | $178,165,000 | 3,196 |
| Average earning assets | $163,370,800 | 3,209 |
| Average equity | $19,368,000 | 3,235 |
| Average total loans | $138,606,400 | 2,741 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5017% | 265 |
| Cost of funding earning assets | 0.8126% | 456 |
| Net interest margin | 4.6891% | 464 |
| Noninterest income to average assets | 0.2828% | 4,924 |
| Noninterest expense to average assets | 2.6504% | 3,720 |
| Loan and lease loss provision to assets | 0.0015% | 4,213 |
| Net operating income to assets | 1.9287% | 404 |
| Return on assets (ROA) | 1.9287% | 422 |
| Pretax return on assets | 1.9287% | 686 |
| Return on Equity (ROE) | 17.8402% | 413 |
| Retained earnings to average equity (ytd only) | 5.1070% | 2,840 |
| Net charge-offs to loans | 0.0019% | 4,116 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 1,295.3483% | 56 |
| Efficiency ratio | 57.8622% | 5,136 |
| Assets per employee ($millions) | 4.7093% | 2,684 |
| Cash dividends to net income (ytd only)* | 71.3737% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 2,127 |
| Loan loss allowance to noncurrent loans | 540.5405% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.8086% | 2,865 |
| Noncurrent loans to loans | 0.2789% | 4,580 |
| Net loans and leases to total assets | 73.0181% | 1,905 |
| Net loans and leases to deposits | 98.6397% | 763 |
| Net loans and leases to core deposits | 109.4409% | 907 |
| Total domestic deposits to total assets | 74.0250% | 5,709 |
| Equity capital to assets | 10.9520% | 3,076 |
| Core capital (leverage) ratio | 10.9906% | 2,496 |
| Tier 1 risk-based capital ratio | 13.9362% | 3,881 |
| Total risk-based capital ratio | 15.1883% | 3,824 |
| Memoranda: | ||
| Average total assets | $179,185,500 | 3,203 |
| Average earning assets | $164,234,750 | 3,230 |
| Average equity | $19,371,500 | 3,260 |
| Average total loans | $139,207,250 | 2,750 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5067% | 263 |
| Cost of funding earning assets | 0.8115% | 468 |
| Net interest margin | 4.6952% | 454 |
| Noninterest income to average assets | 0.2555% | 5,124 |
| Noninterest expense to average assets | 2.6029% | 3,900 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9580% | 394 |
| Return on assets (ROA) | 1.9580% | 412 |
| Pretax return on assets | 1.9580% | 650 |
| Return on Equity (ROE) | 18.1906% | 403 |
| Retained earnings to average equity (ytd only) | 5.7526% | 2,379 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0695% | 5,329 |
| Assets per employee ($millions) | 4.8068% | 2,532 |
| Cash dividends to net income (ytd only)* | 68.3761% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 2,606 |
| Loan loss allowance to noncurrent loans | 534.7594% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.8164% | 2,936 |
| Noncurrent loans to loans | 0.2677% | 4,710 |
| Net loans and leases to total assets | 77.4256% | 1,148 |
| Net loans and leases to deposits | 106.7556% | 349 |
| Net loans and leases to core deposits | 118.2751% | 518 |
| Total domestic deposits to total assets | 72.5260% | 5,906 |
| Equity capital to assets | 10.9524% | 2,936 |
| Core capital (leverage) ratio | 10.9615% | 2,468 |
| Tier 1 risk-based capital ratio | 13.7741% | 4,052 |
| Total risk-based capital ratio | 15.0264% | 3,987 |
| Memoranda: | ||
| Average total assets | $179,263,000 | 3,223 |
| Average earning assets | $164,381,000 | 3,248 |
| Average equity | $19,295,670 | 3,286 |
| Average total loans | $141,387,000 | 2,735 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4528% | 280 |
| Cost of funding earning assets | 0.8208% | 445 |
| Net interest margin | 4.6320% | 469 |
| Noninterest income to average assets | 0.1711% | 5,694 |
| Noninterest expense to average assets | 2.5893% | 3,979 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8337% | 455 |
| Return on assets (ROA) | 1.8337% | 483 |
| Pretax return on assets | 1.8337% | 818 |
| Return on Equity (ROE) | 17.1839% | 453 |
| Retained earnings to average equity (ytd only) | 8.8523% | 1,252 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5427% | 5,274 |
| Assets per employee ($millions) | 4.6680% | 2,806 |
| Cash dividends to net income (ytd only)* | 48.4848% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 2,826 |
| Loan loss allowance to noncurrent loans | 526.3158% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.8219% | 3,043 |
| Noncurrent loans to loans | 0.2699% | 4,814 |
| Net loans and leases to total assets | 78.2449% | 887 |
| Net loans and leases to deposits | 109.4590% | 229 |
| Net loans and leases to core deposits | 121.8336% | 372 |
| Total domestic deposits to total assets | 71.4833% | 6,062 |
| Equity capital to assets | 10.9497% | 3,031 |
| Core capital (leverage) ratio | 10.6490% | 2,792 |
| Tier 1 risk-based capital ratio | 13.6941% | 4,228 |
| Total risk-based capital ratio | 14.9460% | 4,128 |
| Memoranda: | ||
| Average total assets | $179,968,500 | 3,233 |
| Average earning assets | $165,199,500 | 3,247 |
| Average equity | $19,204,000 | 3,320 |
| Average total loans | $142,229,000 | 2,729 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6449% | 248 |
| Cost of funding earning assets | 0.8978% | 393 |
| Net interest margin | 4.7472% | 483 |
| Noninterest income to average assets | -0.0353% | 6,424 |
| Noninterest expense to average assets | 2.5987% | 4,226 |
| Loan and lease loss provision to assets | 0.2282% | 1,069 |
| Net operating income to assets | 1.4104% | 1,063 |
| Return on assets (ROA) | 1.5035% | 908 |
| Pretax return on assets | 1.5035% | 1,528 |
| Return on Equity (ROE) | 14.7800% | 816 |
| Retained earnings to average equity (ytd only) | 6.1114% | 1,851 |
| Net charge-offs to loans | 0.1697% | 2,331 |
| Credit loss provision to net charge-offs | 173.2218% | 1,400 |
| Earnings coverage of net charge-offs (x) | 12.4393% | 2,374 |
| Efficiency ratio | 61.3293% | 5,018 |
| Assets per employee ($millions) | 4.8040% | 2,583 |
| Cash dividends to net income (ytd only)* | 58.6510% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 2,984 |
| Loan loss allowance to noncurrent loans | 518.1347% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 3,064 |
| Noncurrent loans to loans | 0.2687% | 4,885 |
| Net loans and leases to total assets | 77.6016% | 1,059 |
| Net loans and leases to deposits | 110.3500% | 227 |
| Net loans and leases to core deposits | 123.9318% | 323 |
| Total domestic deposits to total assets | 70.3231% | 6,180 |
| Equity capital to assets | 10.3997% | 3,608 |
| Core capital (leverage) ratio | 10.3292% | 3,129 |
| Tier 1 risk-based capital ratio | 12.9981% | 4,731 |
| Total risk-based capital ratio | 14.2498% | 4,640 |
| Memoranda: | ||
| Average total assets | $181,438,400 | 3,191 |
| Average earning assets | $163,296,400 | 3,235 |
| Average equity | $18,457,400 | 3,350 |
| Average total loans | $140,800,200 | 2,704 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6233% | 263 |
| Cost of funding earning assets | 0.9021% | 416 |
| Net interest margin | 4.7212% | 481 |
| Noninterest income to average assets | 0.1030% | 6,242 |
| Noninterest expense to average assets | 2.6054% | 4,185 |
| Loan and lease loss provision to assets | 0.2686% | 788 |
| Net operating income to assets | 1.4624% | 1,004 |
| Return on assets (ROA) | 1.4624% | 1,044 |
| Pretax return on assets | 1.4624% | 1,768 |
| Return on Equity (ROE) | 14.4567% | 905 |
| Retained earnings to average equity (ytd only) | 7.1811% | 1,723 |
| Net charge-offs to loans | 0.2284% | 1,675 |
| Credit loss provision to net charge-offs | 152.0833% | 1,563 |
| Earnings coverage of net charge-offs (x) | 9.8001% | 2,621 |
| Efficiency ratio | 60.0815% | 5,169 |
| Assets per employee ($millions) | 4.8361% | 2,467 |
| Cash dividends to net income (ytd only)* | 50.3271% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 3,242 |
| Loan loss allowance to noncurrent loans | 497.4490% | 974 |
| Noncurrent assets plus other real estate owned to assets | 1.8822% | 1,557 |
| Noncurrent loans to loans | 0.2787% | 5,077 |
| Net loans and leases to total assets | 75.4696% | 1,291 |
| Net loans and leases to deposits | 103.9102% | 413 |
| Net loans and leases to core deposits | 115.6470% | 522 |
| Total domestic deposits to total assets | 72.6297% | 6,121 |
| Equity capital to assets | 10.2584% | 3,849 |
| Core capital (leverage) ratio | 10.3394% | 3,235 |
| Tier 1 risk-based capital ratio | 13.1527% | 4,761 |
| Total risk-based capital ratio | 14.4043% | 4,695 |
| Memoranda: | ||
| Average total assets | $181,159,750 | 3,224 |
| Average earning assets | $162,439,250 | 3,277 |
| Average equity | $18,325,500 | 3,384 |
| Average total loans | $140,084,250 | 2,729 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6012% | 265 |
| Cost of funding earning assets | 0.8995% | 433 |
| Net interest margin | 4.7018% | 485 |
| Noninterest income to average assets | 0.0544% | 6,436 |
| Noninterest expense to average assets | 2.6014% | 4,233 |
| Loan and lease loss provision to assets | 0.1409% | 1,755 |
| Net operating income to assets | 1.5453% | 801 |
| Return on assets (ROA) | 1.5453% | 835 |
| Pretax return on assets | 1.5453% | 1,408 |
| Return on Equity (ROE) | 15.3499% | 742 |
| Retained earnings to average equity (ytd only) | 7.6364% | 1,459 |
| Net charge-offs to loans | 0.1816% | 1,946 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 11.9685% | 2,098 |
| Efficiency ratio | 60.6727% | 5,199 |
| Assets per employee ($millions) | 4.9512% | 2,280 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 3,787 |
| Loan loss allowance to noncurrent loans | 143.3621% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 2.2801% | 1,322 |
| Noncurrent loans to loans | 0.9154% | 3,433 |
| Net loans and leases to total assets | 74.9165% | 1,319 |
| Net loans and leases to deposits | 103.8728% | 367 |
| Net loans and leases to core deposits | 115.0073% | 501 |
| Total domestic deposits to total assets | 72.1233% | 6,242 |
| Equity capital to assets | 10.1334% | 3,930 |
| Core capital (leverage) ratio | 10.1780% | 3,370 |
| Tier 1 risk-based capital ratio | 13.0374% | 4,885 |
| Total risk-based capital ratio | 14.2879% | 4,817 |
| Memoranda: | ||
| Average total assets | $180,289,000 | 3,246 |
| Average earning assets | $162,321,330 | 3,293 |
| Average equity | $18,150,000 | 3,408 |
| Average total loans | $139,898,330 | 2,730 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4646% | 305 |
| Cost of funding earning assets | 0.8963% | 466 |
| Net interest margin | 4.5683% | 589 |
| Noninterest income to average assets | 0.0828% | 6,384 |
| Noninterest expense to average assets | 2.5588% | 4,418 |
| Loan and lease loss provision to assets | 0.1924% | 1,229 |
| Net operating income to assets | 1.4583% | 885 |
| Return on assets (ROA) | 1.4583% | 916 |
| Pretax return on assets | 1.4583% | 1,559 |
| Return on Equity (ROE) | 14.5349% | 853 |
| Retained earnings to average equity (ytd only) | 7.8471% | 1,661 |
| Net charge-offs to loans | 0.2993% | 1,166 |
| Credit loss provision to net charge-offs | 81.9048% | 1,884 |
| Earnings coverage of net charge-offs (x) | 7.0286% | 2,161 |
| Efficiency ratio | 60.7864% | 5,297 |
| Assets per employee ($millions) | 4.7013% | 2,660 |
| Cash dividends to net income (ytd only)* | 46.0123% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 4,172 |
| Loan loss allowance to noncurrent loans | 102.2071% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 2.3532% | 1,381 |
| Noncurrent loans to loans | 1.2629% | 2,922 |
| Net loans and leases to total assets | 77.3065% | 844 |
| Net loans and leases to deposits | 108.6515% | 178 |
| Net loans and leases to core deposits | 119.8844% | 329 |
| Total domestic deposits to total assets | 71.1509% | 6,399 |
| Equity capital to assets | 10.1657% | 3,644 |
| Core capital (leverage) ratio | 10.1587% | 3,339 |
| Tier 1 risk-based capital ratio | 12.9891% | 5,011 |
| Total risk-based capital ratio | 14.2400% | 4,940 |
| Memoranda: | ||
| Average total assets | $178,835,500 | 3,291 |
| Average earning assets | $161,548,000 | 3,330 |
| Average equity | $17,943,000 | 3,436 |
| Average total loans | $140,313,000 | 2,730 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7979% | 229 |
| Cost of funding earning assets | 0.9791% | 499 |
| Net interest margin | 4.8188% | 415 |
| Noninterest income to average assets | 0.1031% | 6,377 |
| Noninterest expense to average assets | 2.6680% | 4,216 |
| Loan and lease loss provision to assets | 0.4372% | 670 |
| Net operating income to assets | 1.3345% | 1,171 |
| Return on assets (ROA) | 1.4791% | 905 |
| Pretax return on assets | 1.4791% | 1,509 |
| Return on Equity (ROE) | 15.1965% | 730 |
| Retained earnings to average equity (ytd only) | 3.9676% | 3,374 |
| Net charge-offs to loans | 0.6844% | 952 |
| Credit loss provision to net charge-offs | 81.6754% | 2,999 |
| Earnings coverage of net charge-offs (x) | 3.3099% | 3,899 |
| Efficiency ratio | 60.0934% | 5,457 |
| Assets per employee ($millions) | 4.5903% | 2,734 |
| Cash dividends to net income (ytd only)* | 73.8916% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 4,159 |
| Loan loss allowance to noncurrent loans | 77.3633% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 2.7053% | 1,236 |
| Noncurrent loans to loans | 1.6765% | 2,393 |
| Net loans and leases to total assets | 77.5814% | 873 |
| Net loans and leases to deposits | 114.9032% | 110 |
| Net loans and leases to core deposits | 128.3151% | 211 |
| Total domestic deposits to total assets | 67.5189% | 6,598 |
| Equity capital to assets | 9.9011% | 3,900 |
| Core capital (leverage) ratio | 10.0045% | 3,570 |
| Tier 1 risk-based capital ratio | 12.8293% | 5,098 |
| Total risk-based capital ratio | 14.0806% | 5,042 |
| Memoranda: | ||
| Average total assets | $178,413,400 | 3,287 |
| Average earning assets | $160,559,400 | 3,328 |
| Average equity | $17,365,800 | 3,509 |
| Average total loans | $139,541,400 | 2,706 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7950% | 239 |
| Cost of funding earning assets | 1.0040% | 482 |
| Net interest margin | 4.7910% | 438 |
| Noninterest income to average assets | 0.0740% | 6,563 |
| Noninterest expense to average assets | 2.6223% | 4,317 |
| Loan and lease loss provision to assets | 0.3523% | 908 |
| Net operating income to assets | 1.4039% | 1,092 |
| Return on assets (ROA) | 1.5318% | 893 |
| Pretax return on assets | 1.5318% | 1,520 |
| Return on Equity (ROE) | 15.8057% | 668 |
| Retained earnings to average equity (ytd only) | 3.8434% | 3,947 |
| Net charge-offs to loans | 0.4328% | 1,483 |
| Credit loss provision to net charge-offs | 104.2035% | 2,247 |
| Earnings coverage of net charge-offs (x) | 5.1947% | 3,261 |
| Efficiency ratio | 59.8907% | 5,452 |
| Assets per employee ($millions) | 4.2818% | 3,267 |
| Cash dividends to net income (ytd only)* | 75.6837% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 3,598 |
| Loan loss allowance to noncurrent loans | 70.0069% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 3.2024% | 1,120 |
| Noncurrent loans to loans | 2.0983% | 2,131 |
| Net loans and leases to total assets | 77.1426% | 856 |
| Net loans and leases to deposits | 107.9676% | 192 |
| Net loans and leases to core deposits | 120.5725% | 310 |
| Total domestic deposits to total assets | 71.4498% | 6,526 |
| Equity capital to assets | 9.9645% | 3,948 |
| Core capital (leverage) ratio | 9.8812% | 3,845 |
| Tier 1 risk-based capital ratio | 12.9582% | 5,154 |
| Total risk-based capital ratio | 14.2114% | 5,096 |
| Memoranda: | ||
| Average total assets | $178,261,500 | 3,320 |
| Average earning assets | $160,158,000 | 3,367 |
| Average equity | $17,276,000 | 3,567 |
| Average total loans | $139,248,750 | 2,724 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8109% | 237 |
| Cost of funding earning assets | 1.0282% | 469 |
| Net interest margin | 4.7827% | 444 |
| Noninterest income to average assets | 0.1161% | 6,473 |
| Noninterest expense to average assets | 2.5719% | 4,486 |
| Loan and lease loss provision to assets | 0.3315% | 1,038 |
| Net operating income to assets | 1.5014% | 895 |
| Return on assets (ROA) | 1.6276% | 776 |
| Pretax return on assets | 1.6276% | 1,285 |
| Return on Equity (ROE) | 16.9499% | 560 |
| Retained earnings to average equity (ytd only) | 2.9994% | 4,411 |
| Net charge-offs to loans | 0.4247% | 1,518 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 5.5286% | 2,879 |
| Efficiency ratio | 58.3882% | 5,677 |
| Assets per employee ($millions) | 4.8036% | 2,368 |
| Cash dividends to net income (ytd only)* | 82.3045% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 3,852 |
| Loan loss allowance to noncurrent loans | 100.8065% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 2.8570% | 1,439 |
| Noncurrent loans to loans | 1.4274% | 3,157 |
| Net loans and leases to total assets | 75.0505% | 1,099 |
| Net loans and leases to deposits | 102.3841% | 318 |
| Net loans and leases to core deposits | 113.1807% | 455 |
| Total domestic deposits to total assets | 73.3029% | 6,484 |
| Equity capital to assets | 9.4523% | 4,647 |
| Core capital (leverage) ratio | 9.5578% | 4,148 |
| Tier 1 risk-based capital ratio | 12.4185% | 5,556 |
| Total risk-based capital ratio | 13.6708% | 5,498 |
| Memoranda: | ||
| Average total assets | $179,164,000 | 3,323 |
| Average earning assets | $160,662,330 | 3,386 |
| Average equity | $17,203,670 | 3,594 |
| Average total loans | $139,849,670 | 2,721 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8394% | 218 |
| Cost of funding earning assets | 1.0738% | 423 |
| Net interest margin | 4.7656% | 426 |
| Noninterest income to average assets | 0.1397% | 6,406 |
| Noninterest expense to average assets | 2.5107% | 4,716 |
| Loan and lease loss provision to assets | 0.4823% | 560 |
| Net operating income to assets | 1.4176% | 999 |
| Return on assets (ROA) | 1.6723% | 687 |
| Pretax return on assets | 1.6723% | 1,149 |
| Return on Equity (ROE) | 17.2774% | 490 |
| Retained earnings to average equity (ytd only) | 7.9634% | 1,763 |
| Net charge-offs to loans | 0.6102% | 997 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 3.9393% | 2,643 |
| Efficiency ratio | 56.9239% | 5,974 |
| Assets per employee ($millions) | 4.4856% | 2,998 |
| Cash dividends to net income (ytd only)* | 53.9084% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 4,032 |
| Loan loss allowance to noncurrent loans | 241.5459% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 2.4406% | 1,891 |
| Noncurrent loans to loans | 0.5985% | 4,941 |
| Net loans and leases to total assets | 75.9958% | 843 |
| Net loans and leases to deposits | 104.1156% | 229 |
| Net loans and leases to core deposits | 116.2042% | 349 |
| Total domestic deposits to total assets | 72.9918% | 6,598 |
| Equity capital to assets | 9.6688% | 4,609 |
| Core capital (leverage) ratio | 9.8173% | 3,644 |
| Tier 1 risk-based capital ratio | 12.7753% | 5,382 |
| Total risk-based capital ratio | 14.0279% | 5,322 |
| Memoranda: | ||
| Average total assets | $177,477,500 | 3,382 |
| Average earning assets | $159,057,500 | 3,449 |
| Average equity | $17,178,500 | 3,636 |
| Average total loans | $140,277,000 | 2,726 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0027% | 263 |
| Cost of funding earning assets | 1.2376% | 486 |
| Net interest margin | 4.7651% | 577 |
| Noninterest income to average assets | 0.0845% | 6,567 |
| Noninterest expense to average assets | 2.7651% | 4,158 |
| Loan and lease loss provision to assets | 0.3023% | 2,258 |
| Net operating income to assets | 1.3100% | 1,274 |
| Return on assets (ROA) | 1.4807% | 1,058 |
| Pretax return on assets | 1.4807% | 1,743 |
| Return on Equity (ROE) | 15.9915% | 660 |
| Retained earnings to average equity (ytd only) | 8.0294% | 1,113 |
| Net charge-offs to loans | 0.1647% | 4,060 |
| Credit loss provision to net charge-offs | 228.7554% | 1,079 |
| Earnings coverage of net charge-offs (x) | 12.2017% | 1,954 |
| Efficiency ratio | 63.1688% | 5,043 |
| Assets per employee ($millions) | 4.2813% | 3,398 |
| Cash dividends to net income (ytd only)* | 49.7894% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 4,142 |
| Loan loss allowance to noncurrent loans | 116.0093% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 2.7852% | 1,724 |
| Noncurrent loans to loans | 1.2124% | 3,826 |
| Net loans and leases to total assets | 79.8715% | 487 |
| Net loans and leases to deposits | 112.1161% | 136 |
| Net loans and leases to core deposits | 126.6692% | 213 |
| Total domestic deposits to total assets | 71.2400% | 6,729 |
| Equity capital to assets | 9.6900% | 4,604 |
| Core capital (leverage) ratio | 9.6163% | 3,936 |
| Tier 1 risk-based capital ratio | 12.5357% | 5,445 |
| Total risk-based capital ratio | 13.7887% | 5,401 |
| Memoranda: | ||
| Average total assets | $176,337,800 | 3,356 |
| Average earning assets | $158,862,000 | 3,393 |
| Average equity | $16,327,400 | 3,734 |
| Average total loans | $141,506,800 | 2,697 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9855% | 287 |
| Cost of funding earning assets | 1.2630% | 526 |
| Net interest margin | 4.7225% | 643 |
| Noninterest income to average assets | 0.1888% | 6,162 |
| Noninterest expense to average assets | 2.7045% | 4,349 |
| Loan and lease loss provision to assets | 0.3761% | 1,716 |
| Net operating income to assets | 1.3640% | 1,300 |
| Return on assets (ROA) | 1.5921% | 959 |
| Pretax return on assets | 1.5921% | 1,603 |
| Return on Equity (ROE) | 17.3956% | 564 |
| Retained earnings to average equity (ytd only) | 9.1434% | 1,169 |
| Net charge-offs to loans | 0.1868% | 3,624 |
| Credit loss provision to net charge-offs | 251.5152% | 1,089 |
| Earnings coverage of net charge-offs (x) | 11.6365% | 2,061 |
| Efficiency ratio | 60.8496% | 5,341 |
| Assets per employee ($millions) | 4.7067% | 2,590 |
| Cash dividends to net income (ytd only)* | 47.4383% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 4,410 |
| Loan loss allowance to noncurrent loans | 207.6843% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 2.7497% | 1,916 |
| Noncurrent loans to loans | 0.6704% | 5,104 |
| Net loans and leases to total assets | 79.1953% | 579 |
| Net loans and leases to deposits | 111.6723% | 136 |
| Net loans and leases to core deposits | 124.5244% | 241 |
| Total domestic deposits to total assets | 70.9176% | 6,802 |
| Equity capital to assets | 9.4015% | 5,331 |
| Core capital (leverage) ratio | 9.6170% | 4,096 |
| Tier 1 risk-based capital ratio | 12.2471% | 5,804 |
| Total risk-based capital ratio | 13.4999% | 5,777 |
| Memoranda: | ||
| Average total assets | $176,539,250 | 3,401 |
| Average earning assets | $159,092,250 | 3,427 |
| Average equity | $16,157,000 | 3,794 |
| Average total loans | $141,333,500 | 2,740 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9811% | 301 |
| Cost of funding earning assets | 1.3035% | 521 |
| Net interest margin | 4.6776% | 707 |
| Noninterest income to average assets | 0.2708% | 5,641 |
| Noninterest expense to average assets | 2.6694% | 4,539 |
| Loan and lease loss provision to assets | 0.4517% | 1,423 |
| Net operating income to assets | 1.3677% | 1,265 |
| Return on assets (ROA) | 1.6692% | 803 |
| Pretax return on assets | 1.6692% | 1,343 |
| Return on Equity (ROE) | 18.4092% | 467 |
| Retained earnings to average equity (ytd only) | 5.8603% | 2,796 |
| Net charge-offs to loans | 0.1380% | 3,813 |
| Credit loss provision to net charge-offs | 409.2784% | 719 |
| Earnings coverage of net charge-offs (x) | 16.4845% | 1,590 |
| Efficiency ratio | 59.4677% | 5,666 |
| Assets per employee ($millions) | 4.1110% | 3,641 |
| Cash dividends to net income (ytd only)* | 68.1663% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 4,163 |
| Loan loss allowance to noncurrent loans | 118.8354% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 3.7090% | 1,406 |
| Noncurrent loans to loans | 1.2358% | 4,079 |
| Net loans and leases to total assets | 77.7159% | 759 |
| Net loans and leases to deposits | 107.5433% | 192 |
| Net loans and leases to core deposits | 119.8648% | 316 |
| Total domestic deposits to total assets | 72.2647% | 6,788 |
| Equity capital to assets | 9.3686% | 5,235 |
| Core capital (leverage) ratio | 9.3411% | 4,387 |
| Tier 1 risk-based capital ratio | 12.4150% | 5,635 |
| Total risk-based capital ratio | 13.6685% | 5,609 |
| Memoranda: | ||
| Average total assets | $175,767,670 | 3,428 |
| Average earning assets | $158,500,330 | 3,456 |
| Average equity | $15,937,670 | 3,814 |
| Average total loans | $140,563,330 | 2,760 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0081% | 300 |
| Cost of funding earning assets | 1.3398% | 536 |
| Net interest margin | 4.6683% | 727 |
| Noninterest income to average assets | 0.2933% | 5,520 |
| Noninterest expense to average assets | 2.6889% | 4,465 |
| Loan and lease loss provision to assets | 0.6790% | 782 |
| Net operating income to assets | 1.1459% | 1,895 |
| Return on assets (ROA) | 1.1459% | 2,076 |
| Pretax return on assets | 1.1459% | 3,133 |
| Return on Equity (ROE) | 12.8457% | 1,451 |
| Retained earnings to average equity (ytd only) | 5.2597% | 3,397 |
| Net charge-offs to loans | 0.0028% | 4,709 |
| Credit loss provision to net charge-offs | 30,100.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 809.0000% | 24 |
| Efficiency ratio | 59.5702% | 5,687 |
| Assets per employee ($millions) | 4.4102% | 3,174 |
| Cash dividends to net income (ytd only)* | 59.0551% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 4,601 |
| Loan loss allowance to noncurrent loans | 104.0583% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 2.8117% | 2,088 |
| Noncurrent loans to loans | 1.3475% | 4,093 |
| Net loans and leases to total assets | 79.7214% | 432 |
| Net loans and leases to deposits | 111.3597% | 121 |
| Net loans and leases to core deposits | 126.8479% | 226 |
| Total domestic deposits to total assets | 71.5892% | 6,901 |
| Equity capital to assets | 9.0234% | 5,455 |
| Core capital (leverage) ratio | 8.9569% | 4,906 |
| Tier 1 risk-based capital ratio | 12.0059% | 5,961 |
| Total risk-based capital ratio | 13.2591% | 5,941 |
| Memoranda: | ||
| Average total assets | $177,321,000 | 3,417 |
| Average earning assets | $160,316,500 | 3,432 |
| Average equity | $15,818,500 | 3,841 |
| Average total loans | $142,752,500 | 2,742 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3377% | 240 |
| Cost of funding earning assets | 1.6030% | 476 |
| Net interest margin | 4.7347% | 702 |
| Noninterest income to average assets | 0.1802% | 6,202 |
| Noninterest expense to average assets | 2.6655% | 4,867 |
| Loan and lease loss provision to assets | 0.4684% | 2,259 |
| Net operating income to assets | 1.3598% | 1,113 |
| Return on assets (ROA) | 1.3711% | 1,166 |
| Pretax return on assets | 1.3711% | 1,875 |
| Return on Equity (ROE) | 16.1062% | 585 |
| Retained earnings to average equity (ytd only) | 10.0964% | 542 |
| Net charge-offs to loans | 0.5516% | 2,808 |
| Credit loss provision to net charge-offs | 104.4360% | 3,286 |
| Earnings coverage of net charge-offs (x) | 4.0760% | 3,276 |
| Efficiency ratio | 59.3169% | 5,857 |
| Assets per employee ($millions) | 4.4559% | 2,983 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 5,444 |
| Loan loss allowance to noncurrent loans | 283.8063% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 2.1141% | 2,832 |
| Noncurrent loans to loans | 0.4193% | 5,872 |
| Net loans and leases to total assets | 79.2049% | 576 |
| Net loans and leases to deposits | 110.1273% | 170 |
| Net loans and leases to core deposits | 124.6545% | 292 |
| Total domestic deposits to total assets | 71.9212% | 6,874 |
| Equity capital to assets | 8.8193% | 5,773 |
| Core capital (leverage) ratio | 8.9759% | 4,829 |
| Tier 1 risk-based capital ratio | 11.8055% | 5,955 |
| Total risk-based capital ratio | 13.0562% | 5,936 |
| Memoranda: | ||
| Average total assets | $175,911,200 | 3,396 |
| Average earning assets | $160,262,400 | 3,397 |
| Average equity | $14,975,600 | 3,910 |
| Average total loans | $143,049,000 | 2,738 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3337% | 256 |
| Cost of funding earning assets | 1.6536% | 467 |
| Net interest margin | 4.6801% | 796 |
| Noninterest income to average assets | 0.2464% | 5,858 |
| Noninterest expense to average assets | 2.7209% | 4,651 |
| Loan and lease loss provision to assets | 0.4380% | 2,287 |
| Net operating income to assets | 1.3597% | 1,244 |
| Return on assets (ROA) | 1.3749% | 1,293 |
| Pretax return on assets | 1.3749% | 2,025 |
| Return on Equity (ROE) | 16.2992% | 638 |
| Retained earnings to average equity (ytd only) | 9.9887% | 850 |
| Net charge-offs to loans | 0.4575% | 2,901 |
| Credit loss provision to net charge-offs | 117.3116% | 2,782 |
| Earnings coverage of net charge-offs (x) | 4.8147% | 2,955 |
| Efficiency ratio | 60.2154% | 5,683 |
| Assets per employee ($millions) | 4.3446% | 3,192 |
| Cash dividends to net income (ytd only)* | 38.7168% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 5,261 |
| Loan loss allowance to noncurrent loans | 57.9278% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 2.9186% | 2,212 |
| Noncurrent loans to loans | 2.1528% | 3,176 |
| Net loans and leases to total assets | 79.7447% | 540 |
| Net loans and leases to deposits | 112.0407% | 156 |
| Net loans and leases to core deposits | 126.8160% | 279 |
| Total domestic deposits to total assets | 71.1748% | 6,979 |
| Equity capital to assets | 8.8133% | 5,966 |
| Core capital (leverage) ratio | 8.7267% | 5,368 |
| Tier 1 risk-based capital ratio | 11.5993% | 6,172 |
| Total risk-based capital ratio | 12.8500% | 6,161 |
| Memoranda: | ||
| Average total assets | $175,330,500 | 3,425 |
| Average earning assets | $160,050,250 | 3,423 |
| Average equity | $14,789,750 | 3,962 |
| Average total loans | $143,093,750 | 2,763 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3225% | 274 |
| Cost of funding earning assets | 1.6925% | 479 |
| Net interest margin | 4.6300% | 854 |
| Noninterest income to average assets | 0.3071% | 5,439 |
| Noninterest expense to average assets | 2.7501% | 4,628 |
| Loan and lease loss provision to assets | 0.4106% | 2,382 |
| Net operating income to assets | 1.3716% | 1,141 |
| Return on assets (ROA) | 1.3944% | 1,161 |
| Pretax return on assets | 1.3944% | 1,807 |
| Return on Equity (ROE) | 16.7781% | 575 |
| Retained earnings to average equity (ytd only) | 7.1984% | 1,788 |
| Net charge-offs to loans | 0.6610% | 2,190 |
| Credit loss provision to net charge-offs | 75.8403% | 3,890 |
| Earnings coverage of net charge-offs (x) | 3.2920% | 3,225 |
| Efficiency ratio | 60.6775% | 5,777 |
| Assets per employee ($millions) | 4.3176% | 3,135 |
| Cash dividends to net income (ytd only)* | 57.0962% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 6,036 |
| Loan loss allowance to noncurrent loans | 73.9151% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 2.6917% | 2,486 |
| Noncurrent loans to loans | 1.4619% | 4,231 |
| Net loans and leases to total assets | 80.1563% | 518 |
| Net loans and leases to deposits | 111.6835% | 156 |
| Net loans and leases to core deposits | 127.6264% | 294 |
| Total domestic deposits to total assets | 71.7709% | 7,026 |
| Equity capital to assets | 8.3176% | 6,404 |
| Core capital (leverage) ratio | 8.3836% | 5,734 |
| Tier 1 risk-based capital ratio | 11.0163% | 6,517 |
| Total risk-based capital ratio | 12.1771% | 6,554 |
| Memoranda: | ||
| Average total assets | $175,846,670 | 3,434 |
| Average earning assets | $160,475,670 | 3,436 |
| Average equity | $14,614,330 | 3,980 |
| Average total loans | $144,014,330 | 2,772 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2350% | 315 |
| Cost of funding earning assets | 1.7322% | 492 |
| Net interest margin | 4.5028% | 1,064 |
| Noninterest income to average assets | 0.4359% | 4,407 |
| Noninterest expense to average assets | 2.7685% | 4,572 |
| Loan and lease loss provision to assets | 0.2739% | 2,961 |
| Net operating income to assets | 1.5109% | 852 |
| Return on assets (ROA) | 1.5109% | 896 |
| Pretax return on assets | 1.5109% | 1,414 |
| Return on Equity (ROE) | 18.1874% | 461 |
| Retained earnings to average equity (ytd only) | 18.1874% | 229 |
| Net charge-offs to loans | 0.7180% | 1,780 |
| Credit loss provision to net charge-offs | 46.3320% | 3,829 |
| Earnings coverage of net charge-offs (x) | 3.0193% | 2,873 |
| Efficiency ratio | 60.8020% | 5,861 |
| Assets per employee ($millions) | 4.3045% | 3,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 6,190 |
| Loan loss allowance to noncurrent loans | 50.2801% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 2.6070% | 2,627 |
| Noncurrent loans to loans | 2.1059% | 3,437 |
| Net loans and leases to total assets | 80.7951% | 447 |
| Net loans and leases to deposits | 111.8842% | 157 |
| Net loans and leases to core deposits | 125.2378% | 323 |
| Total domestic deposits to total assets | 72.2131% | 7,068 |
| Equity capital to assets | 8.4392% | 6,004 |
| Core capital (leverage) ratio | 8.4571% | 5,535 |
| Tier 1 risk-based capital ratio | 11.2093% | 6,341 |
| Total risk-based capital ratio | 12.3614% | 6,399 |
| Memoranda: | ||
| Average total assets | $175,258,500 | 3,463 |
| Average earning assets | $160,257,500 | 3,458 |
| Average equity | $14,559,500 | 3,981 |
| Average total loans | $144,299,000 | 2,800 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6066% | 278 |
| Cost of funding earning assets | 2.1160% | 404 |
| Net interest margin | 4.4906% | 1,246 |
| Noninterest income to average assets | 0.0503% | 7,104 |
| Noninterest expense to average assets | 2.5510% | 5,611 |
| Loan and lease loss provision to assets | 0.3577% | 3,972 |
| Net operating income to assets | 1.2439% | 1,308 |
| Return on assets (ROA) | 1.4052% | 1,015 |
| Pretax return on assets | 1.4052% | 1,655 |
| Return on Equity (ROE) | 18.1396% | 370 |
| Retained earnings to average equity (ytd only) | 15.1213% | 120 |
| Net charge-offs to loans | 0.4278% | 3,909 |
| Credit loss provision to net charge-offs | 100.8237% | 4,511 |
| Earnings coverage of net charge-offs (x) | 4.5140% | 2,896 |
| Efficiency ratio | 61.4302% | 5,822 |
| Assets per employee ($millions) | 4.0472% | 3,685 |
| Cash dividends to net income (ytd only)* | 16.6389% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 5,726 |
| Loan loss allowance to noncurrent loans | 53.7964% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 3.2230% | 2,194 |
| Noncurrent loans to loans | 2.1422% | 3,378 |
| Net loans and leases to total assets | 82.0630% | 444 |
| Net loans and leases to deposits | 115.7193% | 147 |
| Net loans and leases to core deposits | 130.0008% | 331 |
| Total domestic deposits to total assets | 70.9155% | 7,179 |
| Equity capital to assets | 8.1738% | 6,291 |
| Core capital (leverage) ratio | 8.1168% | 5,983 |
| Tier 1 risk-based capital ratio | 10.5498% | 6,667 |
| Total risk-based capital ratio | 11.7881% | 6,649 |
| Memoranda: | ||
| Average total assets | $171,073,400 | 3,516 |
| Average earning assets | $156,282,200 | 3,519 |
| Average equity | $13,252,800 | 4,317 |
| Average total loans | $141,885,800 | 2,909 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6285% | 271 |
| Cost of funding earning assets | 2.1789% | 405 |
| Net interest margin | 4.4496% | 1,374 |
| Noninterest income to average assets | 0.1166% | 6,967 |
| Noninterest expense to average assets | 2.5087% | 5,691 |
| Loan and lease loss provision to assets | 0.2293% | 4,781 |
| Net operating income to assets | 1.4434% | 1,034 |
| Return on assets (ROA) | 1.6594% | 724 |
| Pretax return on assets | 1.6594% | 1,188 |
| Return on Equity (ROE) | 21.7268% | 210 |
| Retained earnings to average equity (ytd only) | 21.7268% | 60 |
| Net charge-offs to loans | 0.3804% | 3,776 |
| Credit loss provision to net charge-offs | 72.7047% | 5,349 |
| Earnings coverage of net charge-offs (x) | 5.3027% | 2,782 |
| Efficiency ratio | 59.9963% | 5,955 |
| Assets per employee ($millions) | 4.1076% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 5,977 |
| Loan loss allowance to noncurrent loans | 627.5304% | 525 |
| Noncurrent assets plus other real estate owned to assets | 1.5766% | 4,078 |
| Noncurrent loans to loans | 0.1738% | 6,834 |
| Net loans and leases to total assets | 81.4908% | 560 |
| Net loans and leases to deposits | 117.1088% | 142 |
| Net loans and leases to core deposits | 131.6725% | 355 |
| Total domestic deposits to total assets | 69.5856% | 7,292 |
| Equity capital to assets | 8.2843% | 6,526 |
| Core capital (leverage) ratio | 8.4302% | 5,644 |
| Tier 1 risk-based capital ratio | 10.7927% | 6,555 |
| Total risk-based capital ratio | 11.9624% | 6,604 |
| Memoranda: | ||
| Average total assets | $170,334,000 | 3,573 |
| Average earning assets | $155,607,250 | 3,579 |
| Average equity | $13,009,750 | 4,437 |
| Average total loans | $141,237,250 | 2,957 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6642% | 263 |
| Cost of funding earning assets | 2.2395% | 414 |
| Net interest margin | 4.4248% | 1,378 |
| Noninterest income to average assets | 0.1297% | 6,942 |
| Noninterest expense to average assets | 2.4162% | 6,019 |
| Loan and lease loss provision to assets | 0.2064% | 4,811 |
| Net operating income to assets | 1.5518% | 813 |
| Return on assets (ROA) | 1.5518% | 868 |
| Pretax return on assets | 1.5518% | 1,429 |
| Return on Equity (ROE) | 20.9182% | 262 |
| Retained earnings to average equity (ytd only) | 20.9182% | 74 |
| Net charge-offs to loans | 0.1916% | 4,464 |
| Credit loss provision to net charge-offs | 129.6296% | 3,103 |
| Earnings coverage of net charge-offs (x) | 11.0444% | 1,808 |
| Efficiency ratio | 57.8814% | 6,393 |
| Assets per employee ($millions) | 4.1120% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 5,408 |
| Loan loss allowance to noncurrent loans | 114.0940% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 1.7735% | 3,797 |
| Noncurrent loans to loans | 1.0588% | 5,198 |
| Net loans and leases to total assets | 82.4614% | 491 |
| Net loans and leases to deposits | 112.7205% | 222 |
| Net loans and leases to core deposits | 126.3071% | 503 |
| Total domestic deposits to total assets | 73.1556% | 7,079 |
| Equity capital to assets | 8.0299% | 6,725 |
| Core capital (leverage) ratio | 8.0055% | 6,269 |
| Tier 1 risk-based capital ratio | 10.4746% | 6,707 |
| Total risk-based capital ratio | 11.7256% | 6,686 |
| Memoranda: | ||
| Average total assets | $169,605,330 | 3,603 |
| Average earning assets | $155,036,670 | 3,618 |
| Average equity | $12,582,330 | 4,529 |
| Average total loans | $140,937,000 | 2,991 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6457% | 286 |
| Cost of funding earning assets | 2.3011% | 434 |
| Net interest margin | 4.3446% | 1,552 |
| Noninterest income to average assets | 0.1293% | 7,038 |
| Noninterest expense to average assets | 2.3302% | 6,306 |
| Loan and lease loss provision to assets | 0.1176% | 5,427 |
| Net operating income to assets | 1.6460% | 689 |
| Return on assets (ROA) | 1.6460% | 736 |
| Pretax return on assets | 1.6460% | 1,170 |
| Return on Equity (ROE) | 23.1319% | 225 |
| Retained earnings to average equity (ytd only) | 23.1319% | 134 |
| Net charge-offs to loans | 0.4566% | 2,677 |
| Credit loss provision to net charge-offs | 31.0559% | 4,796 |
| Earnings coverage of net charge-offs (x) | 4.6584% | 2,580 |
| Efficiency ratio | 56.9213% | 6,637 |
| Assets per employee ($millions) | 4.1163% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 6,004 |
| Loan loss allowance to noncurrent loans | 4,693.9394% | 76 |
| Noncurrent assets plus other real estate owned to assets | 1.3557% | 4,483 |
| Noncurrent loans to loans | 0.0234% | 7,355 |
| Net loans and leases to total assets | 82.5358% | 526 |
| Net loans and leases to deposits | 114.6123% | 203 |
| Net loans and leases to core deposits | 131.2386% | 459 |
| Total domestic deposits to total assets | 72.0131% | 7,264 |
| Equity capital to assets | 7.3628% | 7,170 |
| Core capital (leverage) ratio | 7.2902% | 7,039 |
| Tier 1 risk-based capital ratio | 9.6033% | 7,247 |
| Total risk-based capital ratio | 10.8047% | 7,269 |
| Memoranda: | ||
| Average total assets | $170,111,000 | 3,658 |
| Average earning assets | $155,228,500 | 3,662 |
| Average equity | $12,104,500 | 4,692 |
| Average total loans | $141,043,000 | 3,056 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8982% | 323 |
| Cost of funding earning assets | 2.9301% | 278 |
| Net interest margin | 3.9681% | 2,990 |
| Noninterest income to average assets | -0.3225% | 7,901 |
| Noninterest expense to average assets | 2.1128% | 7,156 |
| Loan and lease loss provision to assets | 0.9149% | 2,462 |
| Net operating income to assets | 0.3012% | 4,534 |
| Return on assets (ROA) | 0.3012% | 4,607 |
| Pretax return on assets | 0.3012% | 4,754 |
| Return on Equity (ROE) | 4.2109% | 3,999 |
| Retained earnings to average equity (ytd only) | -4.4757% | 5,942 |
| Net charge-offs to loans | 0.2404% | 5,117 |
| Credit loss provision to net charge-offs | 474.2331% | 646 |
| Earnings coverage of net charge-offs (x) | 6.3037% | 2,390 |
| Efficiency ratio | 63.4667% | 5,877 |
| Assets per employee ($millions) | 4.2864% | 3,292 |
| Cash dividends to net income (ytd only)* | 206.2868% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 5,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3811% | 4,349 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 81.4113% | 778 |
| Net loans and leases to deposits | 112.7943% | 301 |
| Net loans and leases to core deposits | 171.6529% | 223 |
| Total domestic deposits to total assets | 72.1768% | 7,224 |
| Equity capital to assets | 6.8724% | 7,429 |
| Core capital (leverage) ratio | 6.8142% | 7,361 |
| Tier 1 risk-based capital ratio | 9.2185% | 7,370 |
| Total risk-based capital ratio | 10.4693% | 7,363 |
| Memoranda: | ||
| Average total assets | $168,971,200 | 3,631 |
| Average earning assets | $155,490,600 | 3,607 |
| Average equity | $12,087,600 | 4,729 |
| Average total loans | $135,612,200 | 3,161 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8816% | 364 |
| Cost of funding earning assets | 3.0425% | 288 |
| Net interest margin | 3.8391% | 3,485 |
| Noninterest income to average assets | -0.0119% | 7,863 |
| Noninterest expense to average assets | 2.0528% | 7,279 |
| Loan and lease loss provision to assets | 0.4324% | 3,744 |
| Net operating income to assets | 1.0446% | 1,919 |
| Return on assets (ROA) | 1.0446% | 1,979 |
| Pretax return on assets | 1.0446% | 2,758 |
| Return on Equity (ROE) | 14.4579% | 844 |
| Retained earnings to average equity (ytd only) | 7.3331% | 1,381 |
| Net charge-offs to loans | 0.2841% | 4,256 |
| Credit loss provision to net charge-offs | 190.9091% | 2,373 |
| Earnings coverage of net charge-offs (x) | 6.5210% | 2,590 |
| Efficiency ratio | 58.1557% | 6,697 |
| Assets per employee ($millions) | 4.2960% | 3,215 |
| Cash dividends to net income (ytd only)* | 49.2801% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5064% | 7,706 |
| Loan loss allowance to noncurrent loans | 209.5808% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 2.0246% | 3,311 |
| Noncurrent loans to loans | 0.2416% | 6,897 |
| Net loans and leases to total assets | 80.0284% | 1,162 |
| Net loans and leases to deposits | 111.8122% | 401 |
| Net loans and leases to core deposits | 171.9322% | 258 |
| Total domestic deposits to total assets | 71.5740% | 7,267 |
| Equity capital to assets | 7.2667% | 7,447 |
| Core capital (leverage) ratio | 7.2170% | 7,251 |
| Tier 1 risk-based capital ratio | 9.8806% | 7,070 |
| Total risk-based capital ratio | 10.4387% | 7,542 |
| Memoranda: | ||
| Average total assets | $168,350,500 | 3,657 |
| Average earning assets | $155,309,250 | 3,631 |
| Average equity | $12,163,750 | 4,752 |
| Average total loans | $134,204,500 | 3,221 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8317% | 426 |
| Cost of funding earning assets | 3.1502% | 302 |
| Net interest margin | 3.6815% | 4,032 |
| Noninterest income to average assets | 0.1459% | 7,221 |
| Noninterest expense to average assets | 2.0193% | 7,431 |
| Loan and lease loss provision to assets | 0.3062% | 4,114 |
| Net operating income to assets | 1.2190% | 1,429 |
| Return on assets (ROA) | 1.2190% | 1,507 |
| Pretax return on assets | 1.2190% | 2,246 |
| Return on Equity (ROE) | 16.9044% | 592 |
| Retained earnings to average equity (ytd only) | 10.2687% | 674 |
| Net charge-offs to loans | -0.0060% | 7,546 |
| Credit loss provision to net charge-offs | -6,400.0000% | 7,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9693% | 6,997 |
| Assets per employee ($millions) | 4.0891% | 3,516 |
| Cash dividends to net income (ytd only)* | 39.2542% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5194% | 7,767 |
| Loan loss allowance to noncurrent loans | 54.0123% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 2.3697% | 2,738 |
| Noncurrent loans to loans | 0.9616% | 5,299 |
| Net loans and leases to total assets | 79.9726% | 1,317 |
| Net loans and leases to deposits | 114.2986% | 388 |
| Net loans and leases to core deposits | 184.9888% | 184 |
| Total domestic deposits to total assets | 69.9681% | 7,476 |
| Equity capital to assets | 7.4063% | 7,348 |
| Core capital (leverage) ratio | 7.3632% | 7,176 |
| Tier 1 risk-based capital ratio | 10.1533% | 6,771 |
| Total risk-based capital ratio | 10.7292% | 7,364 |
| Memoranda: | ||
| Average total assets | $167,187,670 | 3,687 |
| Average earning assets | $154,339,000 | 3,662 |
| Average equity | $12,056,000 | 4,800 |
| Average total loans | $132,866,000 | 3,289 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7418% | 541 |
| Cost of funding earning assets | 3.2687% | 289 |
| Net interest margin | 3.4731% | 4,838 |
| Noninterest income to average assets | 0.2252% | 6,665 |
| Noninterest expense to average assets | 1.9383% | 7,469 |
| Loan and lease loss provision to assets | 0.3738% | 3,083 |
| Net operating income to assets | 1.1285% | 1,871 |
| Return on assets (ROA) | 1.1285% | 1,995 |
| Pretax return on assets | 1.1285% | 2,879 |
| Return on Equity (ROE) | 15.8646% | 846 |
| Retained earnings to average equity (ytd only) | 10.8122% | 1,003 |
| Net charge-offs to loans | -0.0121% | 7,316 |
| Credit loss provision to net charge-offs | -3,900.0000% | 6,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3370% | 6,921 |
| Assets per employee ($millions) | 4.1023% | 3,453 |
| Cash dividends to net income (ytd only)* | 31.8471% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4475% | 7,898 |
| Loan loss allowance to noncurrent loans | 36.5186% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 1.7967% | 3,221 |
| Noncurrent loans to loans | 1.2254% | 4,522 |
| Net loans and leases to total assets | 79.3567% | 1,505 |
| Net loans and leases to deposits | 116.4369% | 378 |
| Net loans and leases to core deposits | 188.3337% | 191 |
| Total domestic deposits to total assets | 68.1542% | 7,587 |
| Equity capital to assets | 7.1655% | 7,589 |
| Core capital (leverage) ratio | 7.2438% | 7,434 |
| Tier 1 risk-based capital ratio | 10.0967% | 6,811 |
| Total risk-based capital ratio | 10.5997% | 7,509 |
| Memoranda: | ||
| Average total assets | $166,954,000 | 3,709 |
| Average earning assets | $154,557,500 | 3,670 |
| Average equity | $11,875,500 | 4,871 |
| Average total loans | $131,910,000 | 3,322 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3236% | 570 |
| Cost of funding earning assets | 3.9179% | 134 |
| Net interest margin | 3.4057% | 5,639 |
| Noninterest income to average assets | 0.0816% | 7,733 |
| Noninterest expense to average assets | 2.1507% | 7,109 |
| Loan and lease loss provision to assets | 0.1656% | 5,267 |
| Net operating income to assets | 0.8800% | 3,094 |
| Return on assets (ROA) | 0.8800% | 2,938 |
| Pretax return on assets | 0.8800% | 3,800 |
| Return on Equity (ROE) | 12.2580% | 1,535 |
| Retained earnings to average equity (ytd only) | -0.3417% | 5,389 |
| Net charge-offs to loans | 0.4058% | 2,783 |
| Credit loss provision to net charge-offs | 50.9434% | 6,343 |
| Earnings coverage of net charge-offs (x) | 3.2170% | 4,479 |
| Efficiency ratio | 67.2870% | 4,854 |
| Assets per employee ($millions) | 4.1428% | 3,224 |
| Cash dividends to net income (ytd only)* | 102.7875% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3391% | 8,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1942% | 3,859 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 78.0301% | 2,127 |
| Net loans and leases to deposits | 113.9933% | 611 |
| Net loans and leases to core deposits | 170.3479% | 391 |
| Total domestic deposits to total assets | 68.4515% | 7,425 |
| Equity capital to assets | 7.0598% | 7,704 |
| Core capital (leverage) ratio | 7.1184% | 7,599 |
| Tier 1 risk-based capital ratio | 10.0015% | 6,735 |
| Total risk-based capital ratio | 10.3769% | 7,656 |
| Memoranda: | ||
| Average total assets | $163,063,000 | 3,664 |
| Average earning assets | $149,134,200 | 3,674 |
| Average equity | $11,706,600 | 4,913 |
| Average total loans | $130,611,800 | 3,260 |