Home > Lake Sunapee Bank, FSB > Performance and Condition Ratios
Lake Sunapee Bank, FSB, 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 | 3.5986% | 4,511 |
| Cost of funding earning assets | 0.3976% | 3,021 |
| Net interest margin | 3.2010% | 4,450 |
| Noninterest income to average assets | 1.1908% | 797 |
| Noninterest expense to average assets | 3.0049% | 2,339 |
| Loan and lease loss provision to assets | 0.0288% | 3,778 |
| Net operating income to assets | 0.7000% | 3,783 |
| Return on assets (ROA) | 0.7670% | 3,569 |
| Pretax return on assets | 1.1294% | 2,970 |
| Return on Equity (ROE) | 6.8995% | 3,519 |
| Retained earnings to average equity (ytd only) | 1.7149% | 4,553 |
| Net charge-offs to loans | 0.0354% | 3,319 |
| Credit loss provision to net charge-offs | 102.7397% | 2,517 |
| Earnings coverage of net charge-offs (x) | 37.7785% | 1,224 |
| Efficiency ratio | 71.8312% | 2,614 |
| Assets per employee ($millions) | 4.5809% | 2,997 |
| Cash dividends to net income (ytd only)* | 75.1440% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7186% | 5,328 |
| Loan loss allowance to noncurrent loans | 182.2108% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 3,942 |
| Noncurrent loans to loans | 0.3944% | 3,730 |
| Net loans and leases to total assets | 79.1837% | 1,006 |
| Net loans and leases to deposits | 105.3597% | 374 |
| Net loans and leases to core deposits | 113.7568% | 709 |
| Total domestic deposits to total assets | 75.1556% | 5,333 |
| Equity capital to assets | 11.0955% | 2,546 |
| Core capital (leverage) ratio | 8.8226% | 4,940 |
| Tier 1 risk-based capital ratio | 12.7475% | 4,242 |
| Total risk-based capital ratio | 13.6133% | 4,350 |
| Memoranda: | ||
| Average total assets | $1,561,595,600 | 490 |
| Average earning assets | $1,401,915,000 | 496 |
| Average equity | $173,592,600 | 473 |
| Average total loans | $1,237,254,400 | 432 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6016% | 4,550 |
| Cost of funding earning assets | 0.4042% | 2,978 |
| Net interest margin | 3.1974% | 4,497 |
| Noninterest income to average assets | 1.2042% | 791 |
| Noninterest expense to average assets | 2.9372% | 2,511 |
| Loan and lease loss provision to assets | 0.0384% | 3,471 |
| Net operating income to assets | 0.7419% | 3,637 |
| Return on assets (ROA) | 0.8300% | 3,364 |
| Pretax return on assets | 1.2297% | 2,707 |
| Return on Equity (ROE) | 7.4633% | 3,319 |
| Retained earnings to average equity (ytd only) | 2.8634% | 4,181 |
| Net charge-offs to loans | 0.0414% | 2,809 |
| Credit loss provision to net charge-offs | 117.1875% | 2,135 |
| Earnings coverage of net charge-offs (x) | 34.7134% | 1,354 |
| Efficiency ratio | 69.9701% | 2,891 |
| Assets per employee ($millions) | 4.6709% | 2,796 |
| Cash dividends to net income (ytd only)* | 61.6333% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7168% | 5,392 |
| Loan loss allowance to noncurrent loans | 178.3154% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 4,055 |
| Noncurrent loans to loans | 0.4020% | 3,836 |
| Net loans and leases to total assets | 78.3339% | 1,143 |
| Net loans and leases to deposits | 107.4888% | 326 |
| Net loans and leases to core deposits | 116.1567% | 653 |
| Total domestic deposits to total assets | 72.8764% | 5,533 |
| Equity capital to assets | 11.1287% | 2,888 |
| Core capital (leverage) ratio | 8.7285% | 5,125 |
| Tier 1 risk-based capital ratio | 12.6480% | 4,371 |
| Total risk-based capital ratio | 13.5074% | 4,533 |
| Memoranda: | ||
| Average total assets | $1,563,759,750 | 487 |
| Average earning assets | $1,403,447,750 | 497 |
| Average equity | $173,914,250 | 474 |
| Average total loans | $1,236,924,000 | 431 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6078% | 4,564 |
| Cost of funding earning assets | 0.4081% | 2,957 |
| Net interest margin | 3.1997% | 4,540 |
| Noninterest income to average assets | 1.1830% | 805 |
| Noninterest expense to average assets | 2.9725% | 2,435 |
| Loan and lease loss provision to assets | 0.0257% | 3,622 |
| Net operating income to assets | 0.7224% | 3,688 |
| Return on assets (ROA) | 0.8273% | 3,319 |
| Pretax return on assets | 1.2162% | 2,720 |
| Return on Equity (ROE) | 7.4399% | 3,297 |
| Retained earnings to average equity (ytd only) | 3.9747% | 3,370 |
| Net charge-offs to loans | 0.0553% | 2,406 |
| Credit loss provision to net charge-offs | 58.6510% | 2,595 |
| Earnings coverage of net charge-offs (x) | 24.8328% | 1,530 |
| Efficiency ratio | 71.0395% | 2,816 |
| Assets per employee ($millions) | 4.6538% | 2,789 |
| Cash dividends to net income (ytd only)* | 46.5766% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7013% | 5,513 |
| Loan loss allowance to noncurrent loans | 149.1306% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 3,937 |
| Noncurrent loans to loans | 0.4703% | 3,675 |
| Net loans and leases to total assets | 77.8252% | 1,228 |
| Net loans and leases to deposits | 107.2618% | 324 |
| Net loans and leases to core deposits | 117.3489% | 598 |
| Total domestic deposits to total assets | 72.5563% | 5,633 |
| Equity capital to assets | 11.0644% | 2,983 |
| Core capital (leverage) ratio | 8.7135% | 5,156 |
| Tier 1 risk-based capital ratio | 12.6816% | 4,398 |
| Total risk-based capital ratio | 13.5261% | 4,581 |
| Memoranda: | ||
| Average total assets | $1,557,198,330 | 490 |
| Average earning assets | $1,400,195,670 | 494 |
| Average equity | $173,146,670 | 476 |
| Average total loans | $1,232,789,000 | 432 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5794% | 4,677 |
| Cost of funding earning assets | 0.3991% | 3,076 |
| Net interest margin | 3.1803% | 4,641 |
| Noninterest income to average assets | 1.4075% | 564 |
| Noninterest expense to average assets | 3.1247% | 2,029 |
| Loan and lease loss provision to assets | 0.0260% | 3,332 |
| Net operating income to assets | 0.7449% | 3,511 |
| Return on assets (ROA) | 0.7449% | 3,617 |
| Pretax return on assets | 1.1174% | 3,027 |
| Return on Equity (ROE) | 6.6826% | 3,620 |
| Retained earnings to average equity (ytd only) | -0.3076% | 5,164 |
| Net charge-offs to loans | 0.0992% | 1,535 |
| Credit loss provision to net charge-offs | 32.8947% | 2,200 |
| Earnings coverage of net charge-offs (x) | 14.4803% | 1,699 |
| Efficiency ratio | 71.1112% | 2,933 |
| Assets per employee ($millions) | 4.5423% | 2,997 |
| Cash dividends to net income (ytd only)* | 104.6025% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7106% | 5,572 |
| Loan loss allowance to noncurrent loans | 158.2832% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.4023% | 3,982 |
| Noncurrent loans to loans | 0.4490% | 3,833 |
| Net loans and leases to total assets | 77.6569% | 1,146 |
| Net loans and leases to deposits | 105.3215% | 365 |
| Net loans and leases to core deposits | 115.6498% | 607 |
| Total domestic deposits to total assets | 73.7332% | 5,632 |
| Equity capital to assets | 11.0335% | 2,901 |
| Core capital (leverage) ratio | 8.7204% | 5,155 |
| Tier 1 risk-based capital ratio | 12.1166% | 4,843 |
| Total risk-based capital ratio | 12.9408% | 5,026 |
| Memoranda: | ||
| Average total assets | $1,540,005,000 | 496 |
| Average earning assets | $1,385,140,500 | 498 |
| Average equity | $171,670,500 | 476 |
| Average total loans | $1,225,482,500 | 435 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5575% | 4,784 |
| Cost of funding earning assets | 0.3707% | 3,480 |
| Net interest margin | 3.1869% | 4,670 |
| Noninterest income to average assets | 1.4443% | 581 |
| Noninterest expense to average assets | 3.2089% | 1,948 |
| Loan and lease loss provision to assets | 0.0666% | 2,955 |
| Net operating income to assets | 0.6984% | 3,819 |
| Return on assets (ROA) | 0.7139% | 3,855 |
| Pretax return on assets | 1.0587% | 3,231 |
| Return on Equity (ROE) | 6.2313% | 3,937 |
| Retained earnings to average equity (ytd only) | -0.7473% | 5,628 |
| Net charge-offs to loans | 0.1121% | 2,257 |
| Credit loss provision to net charge-offs | 73.5294% | 3,063 |
| Earnings coverage of net charge-offs (x) | 12.1647% | 2,493 |
| Efficiency ratio | 72.0993% | 2,896 |
| Assets per employee ($millions) | 4.3857% | 3,243 |
| Cash dividends to net income (ytd only)* | 111.9925% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7234% | 5,596 |
| Loan loss allowance to noncurrent loans | 147.4863% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.4568% | 3,782 |
| Noncurrent loans to loans | 0.4905% | 3,730 |
| Net loans and leases to total assets | 80.3951% | 786 |
| Net loans and leases to deposits | 104.7016% | 408 |
| Net loans and leases to core deposits | 113.0728% | 724 |
| Total domestic deposits to total assets | 76.7849% | 5,346 |
| Equity capital to assets | 11.2647% | 2,572 |
| Core capital (leverage) ratio | 9.0210% | 4,860 |
| Tier 1 risk-based capital ratio | 12.7390% | 4,487 |
| Total risk-based capital ratio | 13.6182% | 4,608 |
| Memoranda: | ||
| Average total assets | $1,500,963,200 | 475 |
| Average earning assets | $1,350,199,000 | 479 |
| Average equity | $171,953,200 | 464 |
| Average total loans | $1,213,275,800 | 412 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5572% | 4,849 |
| Cost of funding earning assets | 0.3748% | 3,492 |
| Net interest margin | 3.1825% | 4,728 |
| Noninterest income to average assets | 1.4664% | 570 |
| Noninterest expense to average assets | 3.2185% | 1,919 |
| Loan and lease loss provision to assets | 0.0356% | 3,505 |
| Net operating income to assets | 0.7053% | 3,877 |
| Return on assets (ROA) | 0.7269% | 3,885 |
| Pretax return on assets | 1.1101% | 3,179 |
| Return on Equity (ROE) | 6.3186% | 4,000 |
| Retained earnings to average equity (ytd only) | -2.9723% | 5,931 |
| Net charge-offs to loans | 0.1164% | 1,963 |
| Credit loss provision to net charge-offs | 37.8788% | 3,189 |
| Earnings coverage of net charge-offs (x) | 11.8277% | 2,457 |
| Efficiency ratio | 71.9433% | 2,893 |
| Assets per employee ($millions) | 4.4197% | 3,144 |
| Cash dividends to net income (ytd only)* | 147.0408% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7124% | 5,703 |
| Loan loss allowance to noncurrent loans | 100.6206% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.6188% | 3,416 |
| Noncurrent loans to loans | 0.7080% | 3,210 |
| Net loans and leases to total assets | 80.4062% | 761 |
| Net loans and leases to deposits | 103.5737% | 469 |
| Net loans and leases to core deposits | 112.7019% | 727 |
| Total domestic deposits to total assets | 77.6319% | 5,244 |
| Equity capital to assets | 11.3526% | 2,641 |
| Core capital (leverage) ratio | 8.8459% | 5,186 |
| Tier 1 risk-based capital ratio | 12.8825% | 4,499 |
| Total risk-based capital ratio | 13.7594% | 4,649 |
| Memoranda: | ||
| Average total assets | $1,496,841,750 | 481 |
| Average earning assets | $1,347,344,250 | 482 |
| Average equity | $172,207,500 | 468 |
| Average total loans | $1,209,384,000 | 416 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5447% | 4,873 |
| Cost of funding earning assets | 0.3881% | 3,388 |
| Net interest margin | 3.1566% | 4,804 |
| Noninterest income to average assets | 1.4865% | 575 |
| Noninterest expense to average assets | 3.1653% | 2,081 |
| Loan and lease loss provision to assets | 0.0534% | 3,052 |
| Net operating income to assets | 0.7200% | 3,791 |
| Return on assets (ROA) | 0.7523% | 3,731 |
| Pretax return on assets | 1.1556% | 2,951 |
| Return on Equity (ROE) | 6.5109% | 3,875 |
| Retained earnings to average equity (ytd only) | 0.7388% | 5,257 |
| Net charge-offs to loans | 0.1195% | 1,817 |
| Credit loss provision to net charge-offs | 55.3250% | 2,649 |
| Earnings coverage of net charge-offs (x) | 12.0194% | 2,246 |
| Efficiency ratio | 70.8011% | 3,195 |
| Assets per employee ($millions) | 4.3644% | 3,188 |
| Cash dividends to net income (ytd only)* | 88.6525% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7393% | 5,735 |
| Loan loss allowance to noncurrent loans | 127.3505% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 3,920 |
| Noncurrent loans to loans | 0.5805% | 3,716 |
| Net loans and leases to total assets | 79.3626% | 891 |
| Net loans and leases to deposits | 103.4353% | 478 |
| Net loans and leases to core deposits | 113.0547% | 708 |
| Total domestic deposits to total assets | 76.7268% | 5,491 |
| Equity capital to assets | 11.4763% | 2,438 |
| Core capital (leverage) ratio | 9.2724% | 4,592 |
| Tier 1 risk-based capital ratio | 13.3574% | 4,307 |
| Total risk-based capital ratio | 14.2708% | 4,427 |
| Memoranda: | ||
| Average total assets | $1,499,313,670 | 480 |
| Average earning assets | $1,347,979,670 | 481 |
| Average equity | $173,247,330 | 468 |
| Average total loans | $1,210,450,670 | 414 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5820% | 4,748 |
| Cost of funding earning assets | 0.4056% | 3,243 |
| Net interest margin | 3.1764% | 4,688 |
| Noninterest income to average assets | 1.3953% | 600 |
| Noninterest expense to average assets | 3.1704% | 2,061 |
| Loan and lease loss provision to assets | 0.0536% | 2,867 |
| Net operating income to assets | 0.6668% | 3,968 |
| Return on assets (ROA) | 0.7318% | 3,771 |
| Pretax return on assets | 1.1270% | 2,964 |
| Return on Equity (ROE) | 6.3111% | 3,871 |
| Retained earnings to average equity (ytd only) | 1.6927% | 4,801 |
| Net charge-offs to loans | 0.1241% | 1,519 |
| Credit loss provision to net charge-offs | 53.1915% | 2,072 |
| Earnings coverage of net charge-offs (x) | 10.7340% | 1,911 |
| Efficiency ratio | 72.1232% | 3,153 |
| Assets per employee ($millions) | 4.3692% | 3,250 |
| Cash dividends to net income (ytd only)* | 73.1797% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7524% | 5,805 |
| Loan loss allowance to noncurrent loans | 115.7123% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.5687% | 3,775 |
| Noncurrent loans to loans | 0.6502% | 3,649 |
| Net loans and leases to total assets | 80.5649% | 627 |
| Net loans and leases to deposits | 104.7646% | 343 |
| Net loans and leases to core deposits | 113.0205% | 608 |
| Total domestic deposits to total assets | 76.9008% | 5,628 |
| Equity capital to assets | 11.6934% | 2,299 |
| Core capital (leverage) ratio | 9.2757% | 4,618 |
| Tier 1 risk-based capital ratio | 13.3446% | 4,401 |
| Total risk-based capital ratio | 14.2722% | 4,502 |
| Memoranda: | ||
| Average total assets | $1,493,922,500 | 478 |
| Average earning assets | $1,343,142,500 | 486 |
| Average equity | $173,219,500 | 470 |
| Average total loans | $1,211,987,500 | 414 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6997% | 4,778 |
| Cost of funding earning assets | 0.4523% | 3,145 |
| Net interest margin | 3.2474% | 4,759 |
| Noninterest income to average assets | 1.4820% | 559 |
| Noninterest expense to average assets | 3.3296% | 1,852 |
| Loan and lease loss provision to assets | 0.0580% | 3,381 |
| Net operating income to assets | 0.7042% | 3,872 |
| Return on assets (ROA) | 0.7495% | 3,732 |
| Pretax return on assets | 1.0703% | 3,205 |
| Return on Equity (ROE) | 6.4750% | 3,915 |
| Retained earnings to average equity (ytd only) | 4.1185% | 3,275 |
| Net charge-offs to loans | 0.1120% | 2,914 |
| Credit loss provision to net charge-offs | 63.7181% | 3,213 |
| Earnings coverage of net charge-offs (x) | 11.6904% | 2,461 |
| Efficiency ratio | 73.1722% | 2,990 |
| Assets per employee ($millions) | 4.2801% | 3,398 |
| Cash dividends to net income (ytd only)* | 36.3934% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 5,866 |
| Loan loss allowance to noncurrent loans | 126.2145% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 4,121 |
| Noncurrent loans to loans | 0.6016% | 3,864 |
| Net loans and leases to total assets | 80.4650% | 674 |
| Net loans and leases to deposits | 104.1706% | 429 |
| Net loans and leases to core deposits | 113.7272% | 616 |
| Total domestic deposits to total assets | 77.2435% | 5,564 |
| Equity capital to assets | 11.4976% | 2,429 |
| Core capital (leverage) ratio | 8.4341% | 5,629 |
| Tier 1 risk-based capital ratio | 12.3266% | 5,137 |
| Total risk-based capital ratio | 13.2788% | 5,251 |
| Memoranda: | ||
| Average total assets | $1,466,447,400 | 477 |
| Average earning assets | $1,314,554,400 | 482 |
| Average equity | $169,744,800 | 468 |
| Average total loans | $1,191,295,600 | 393 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7161% | 4,810 |
| Cost of funding earning assets | 0.4526% | 3,216 |
| Net interest margin | 3.2635% | 4,747 |
| Noninterest income to average assets | 1.4861% | 572 |
| Noninterest expense to average assets | 3.3291% | 1,842 |
| Loan and lease loss provision to assets | 0.0640% | 3,067 |
| Net operating income to assets | 0.6745% | 4,082 |
| Return on assets (ROA) | 0.7201% | 3,942 |
| Pretax return on assets | 1.0853% | 3,245 |
| Return on Equity (ROE) | 6.2106% | 4,128 |
| Retained earnings to average equity (ytd only) | 3.0548% | 4,443 |
| Net charge-offs to loans | 0.1021% | 2,775 |
| Credit loss provision to net charge-offs | 77.1775% | 2,651 |
| Earnings coverage of net charge-offs (x) | 13.0188% | 2,264 |
| Efficiency ratio | 72.8361% | 3,032 |
| Assets per employee ($millions) | 4.2110% | 3,459 |
| Cash dividends to net income (ytd only)* | 50.8130% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7833% | 5,914 |
| Loan loss allowance to noncurrent loans | 135.2933% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 4,434 |
| Noncurrent loans to loans | 0.5790% | 4,184 |
| Net loans and leases to total assets | 81.4055% | 570 |
| Net loans and leases to deposits | 107.6685% | 274 |
| Net loans and leases to core deposits | 117.4376% | 453 |
| Total domestic deposits to total assets | 75.6075% | 5,862 |
| Equity capital to assets | 11.5125% | 2,476 |
| Core capital (leverage) ratio | 8.2790% | 5,853 |
| Tier 1 risk-based capital ratio | 11.8927% | 5,560 |
| Total risk-based capital ratio | 12.8698% | 5,642 |
| Memoranda: | ||
| Average total assets | $1,457,478,250 | 475 |
| Average earning assets | $1,305,512,750 | 483 |
| Average equity | $168,998,250 | 463 |
| Average total loans | $1,184,596,000 | 390 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7148% | 4,815 |
| Cost of funding earning assets | 0.4476% | 3,355 |
| Net interest margin | 3.2672% | 4,709 |
| Noninterest income to average assets | 1.4942% | 545 |
| Noninterest expense to average assets | 3.3662% | 1,763 |
| Loan and lease loss provision to assets | 0.0966% | 2,414 |
| Net operating income to assets | 0.6415% | 4,145 |
| Return on assets (ROA) | 0.6824% | 4,029 |
| Pretax return on assets | 1.0168% | 3,414 |
| Return on Equity (ROE) | 5.8712% | 4,229 |
| Retained earnings to average equity (ytd only) | 3.4966% | 3,980 |
| Net charge-offs to loans | 0.1114% | 2,546 |
| Credit loss provision to net charge-offs | 107.0336% | 1,871 |
| Earnings coverage of net charge-offs (x) | 11.6590% | 2,135 |
| Efficiency ratio | 73.4703% | 3,067 |
| Assets per employee ($millions) | 4.1626% | 3,524 |
| Cash dividends to net income (ytd only)* | 40.4449% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8065% | 5,959 |
| Loan loss allowance to noncurrent loans | 163.2009% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 4,740 |
| Noncurrent loans to loans | 0.4942% | 4,510 |
| Net loans and leases to total assets | 80.7064% | 602 |
| Net loans and leases to deposits | 107.7093% | 256 |
| Net loans and leases to core deposits | 117.8157% | 428 |
| Total domestic deposits to total assets | 74.9298% | 6,033 |
| Equity capital to assets | 11.4199% | 2,496 |
| Core capital (leverage) ratio | 8.1515% | 5,978 |
| Tier 1 risk-based capital ratio | 11.6572% | 5,714 |
| Total risk-based capital ratio | 12.6622% | 5,801 |
| Memoranda: | ||
| Average total assets | $1,449,218,670 | 475 |
| Average earning assets | $1,297,149,670 | 484 |
| Average equity | $168,449,330 | 463 |
| Average total loans | $1,174,073,330 | 391 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7001% | 4,850 |
| Cost of funding earning assets | 0.4581% | 3,335 |
| Net interest margin | 3.2420% | 4,771 |
| Noninterest income to average assets | 1.4847% | 530 |
| Noninterest expense to average assets | 3.4229% | 1,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6559% | 3,916 |
| Return on assets (ROA) | 0.6574% | 4,006 |
| Pretax return on assets | 0.9749% | 3,424 |
| Return on Equity (ROE) | 5.6044% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.6044% | 2,737 |
| Net charge-offs to loans | -0.0069% | 4,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1083% | 2,951 |
| Assets per employee ($millions) | 3.9850% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8370% | 6,030 |
| Loan loss allowance to noncurrent loans | 112.4784% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 4,043 |
| Noncurrent loans to loans | 0.7442% | 4,005 |
| Net loans and leases to total assets | 80.5428% | 493 |
| Net loans and leases to deposits | 107.5071% | 203 |
| Net loans and leases to core deposits | 115.0155% | 428 |
| Total domestic deposits to total assets | 74.9186% | 6,162 |
| Equity capital to assets | 11.7793% | 2,030 |
| Core capital (leverage) ratio | 8.4169% | 5,733 |
| Tier 1 risk-based capital ratio | 11.8366% | 5,736 |
| Total risk-based capital ratio | 12.8616% | 5,802 |
| Memoranda: | ||
| Average total assets | $1,428,718,000 | 483 |
| Average earning assets | $1,282,771,000 | 485 |
| Average equity | $167,583,500 | 461 |
| Average total loans | $1,154,869,000 | 397 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5048% | 5,630 |
| Cost of funding earning assets | 0.4965% | 3,649 |
| Net interest margin | 3.0083% | 5,562 |
| Noninterest income to average assets | 1.4095% | 707 |
| Noninterest expense to average assets | 3.0226% | 2,988 |
| Loan and lease loss provision to assets | 0.0696% | 3,735 |
| Net operating income to assets | 0.7298% | 3,658 |
| Return on assets (ROA) | 0.7834% | 3,481 |
| Pretax return on assets | 1.0964% | 2,959 |
| Return on Equity (ROE) | 6.6503% | 3,744 |
| Retained earnings to average equity (ytd only) | 3.9894% | 3,357 |
| Net charge-offs to loans | 0.1092% | 3,737 |
| Credit loss provision to net charge-offs | 83.4586% | 2,940 |
| Earnings coverage of net charge-offs (x) | 13.0780% | 2,065 |
| Efficiency ratio | 71.5824% | 3,556 |
| Assets per employee ($millions) | 3.9523% | 3,962 |
| Cash dividends to net income (ytd only)* | 40.0120% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 6,060 |
| Loan loss allowance to noncurrent loans | 104.6109% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7484% | 4,015 |
| Noncurrent loans to loans | 0.8129% | 3,939 |
| Net loans and leases to total assets | 79.7552% | 620 |
| Net loans and leases to deposits | 103.6353% | 333 |
| Net loans and leases to core deposits | 110.5038% | 592 |
| Total domestic deposits to total assets | 76.9576% | 5,977 |
| Equity capital to assets | 11.6796% | 2,044 |
| Core capital (leverage) ratio | 8.2931% | 5,884 |
| Tier 1 risk-based capital ratio | 11.8299% | 5,718 |
| Total risk-based capital ratio | 12.8914% | 5,768 |
| Memoranda: | ||
| Average total assets | $1,276,046,600 | 517 |
| Average earning assets | $1,146,797,200 | 517 |
| Average equity | $150,324,200 | 488 |
| Average total loans | $974,067,800 | 439 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4610% | 5,765 |
| Cost of funding earning assets | 0.5139% | 3,632 |
| Net interest margin | 2.9472% | 5,703 |
| Noninterest income to average assets | 1.3650% | 778 |
| Noninterest expense to average assets | 2.8664% | 3,420 |
| Loan and lease loss provision to assets | 0.0699% | 3,664 |
| Net operating income to assets | 0.7806% | 3,455 |
| Return on assets (ROA) | 0.8411% | 3,262 |
| Pretax return on assets | 1.1614% | 2,847 |
| Return on Equity (ROE) | 7.1220% | 3,577 |
| Retained earnings to average equity (ytd only) | 3.4781% | 4,214 |
| Net charge-offs to loans | 0.1328% | 3,211 |
| Credit loss provision to net charge-offs | 70.0431% | 3,070 |
| Earnings coverage of net charge-offs (x) | 11.4925% | 2,238 |
| Efficiency ratio | 69.8277% | 3,781 |
| Assets per employee ($millions) | 4.5732% | 2,764 |
| Cash dividends to net income (ytd only)* | 51.1640% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 5,704 |
| Loan loss allowance to noncurrent loans | 134.9257% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.5760% | 4,721 |
| Noncurrent loans to loans | 0.7425% | 4,364 |
| Net loans and leases to total assets | 76.7931% | 895 |
| Net loans and leases to deposits | 102.1456% | 371 |
| Net loans and leases to core deposits | 108.9163% | 624 |
| Total domestic deposits to total assets | 75.1801% | 6,261 |
| Equity capital to assets | 11.9054% | 1,981 |
| Core capital (leverage) ratio | 8.8395% | 5,348 |
| Tier 1 risk-based capital ratio | 12.5200% | 5,446 |
| Total risk-based capital ratio | 13.6827% | 5,433 |
| Memoranda: | ||
| Average total assets | $1,239,347,250 | 528 |
| Average earning assets | $1,113,860,000 | 533 |
| Average equity | $146,359,750 | 504 |
| Average total loans | $931,453,500 | 456 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4741% | 5,741 |
| Cost of funding earning assets | 0.5294% | 3,612 |
| Net interest margin | 2.9447% | 5,705 |
| Noninterest income to average assets | 1.2021% | 1,058 |
| Noninterest expense to average assets | 2.7418% | 3,885 |
| Loan and lease loss provision to assets | 0.0888% | 3,303 |
| Net operating income to assets | 0.6879% | 3,863 |
| Return on assets (ROA) | 0.7723% | 3,601 |
| Pretax return on assets | 1.1456% | 2,905 |
| Return on Equity (ROE) | 6.5578% | 3,849 |
| Retained earnings to average equity (ytd only) | 1.0770% | 5,467 |
| Net charge-offs to loans | 0.2060% | 2,524 |
| Credit loss provision to net charge-offs | 57.9557% | 3,055 |
| Earnings coverage of net charge-offs (x) | 7.2371% | 2,576 |
| Efficiency ratio | 69.6203% | 3,903 |
| Assets per employee ($millions) | 4.4501% | 2,893 |
| Cash dividends to net income (ytd only)* | 83.5771% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 5,705 |
| Loan loss allowance to noncurrent loans | 202.0395% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 5,325 |
| Noncurrent loans to loans | 0.5106% | 4,991 |
| Net loans and leases to total assets | 74.8200% | 1,126 |
| Net loans and leases to deposits | 99.0232% | 476 |
| Net loans and leases to core deposits | 105.5217% | 763 |
| Total domestic deposits to total assets | 75.5580% | 6,299 |
| Equity capital to assets | 11.8362% | 2,021 |
| Core capital (leverage) ratio | 9.2655% | 4,603 |
| Tier 1 risk-based capital ratio | 13.8256% | 4,542 |
| Total risk-based capital ratio | 15.0489% | 4,532 |
| Memoranda: | ||
| Average total assets | $1,239,354,000 | 531 |
| Average earning assets | $1,114,461,330 | 529 |
| Average equity | $145,964,000 | 508 |
| Average total loans | $921,488,330 | 457 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5029% | 5,695 |
| Cost of funding earning assets | 0.5208% | 3,881 |
| Net interest margin | 2.9822% | 5,620 |
| Noninterest income to average assets | 1.2358% | 1,007 |
| Noninterest expense to average assets | 2.7211% | 3,978 |
| Loan and lease loss provision to assets | 0.1281% | 2,638 |
| Net operating income to assets | 0.7210% | 3,585 |
| Return on assets (ROA) | 0.7569% | 3,534 |
| Pretax return on assets | 1.1225% | 2,871 |
| Return on Equity (ROE) | 6.4421% | 3,797 |
| Retained earnings to average equity (ytd only) | 6.4421% | 2,436 |
| Net charge-offs to loans | 0.2405% | 2,010 |
| Credit loss provision to net charge-offs | 72.2022% | 2,259 |
| Earnings coverage of net charge-offs (x) | 6.7491% | 2,167 |
| Efficiency ratio | 67.8787% | 4,329 |
| Assets per employee ($millions) | 4.5392% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 5,739 |
| Loan loss allowance to noncurrent loans | 88.2566% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.9068% | 4,126 |
| Noncurrent loans to loans | 1.2034% | 3,761 |
| Net loans and leases to total assets | 73.8716% | 1,097 |
| Net loans and leases to deposits | 98.7283% | 407 |
| Net loans and leases to core deposits | 107.0986% | 597 |
| Total domestic deposits to total assets | 74.8231% | 6,473 |
| Equity capital to assets | 12.0163% | 2,028 |
| Core capital (leverage) ratio | 9.2756% | 4,442 |
| Tier 1 risk-based capital ratio | 13.8406% | 4,623 |
| Total risk-based capital ratio | 15.0839% | 4,585 |
| Memoranda: | ||
| Average total assets | $1,249,365,500 | 531 |
| Average earning assets | $1,123,739,500 | 531 |
| Average equity | $146,785,000 | 511 |
| Average total loans | $921,326,000 | 457 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5922% | 6,235 |
| Cost of funding earning assets | 0.6300% | 4,099 |
| Net interest margin | 2.9622% | 6,116 |
| Noninterest income to average assets | 1.2297% | 1,028 |
| Noninterest expense to average assets | 2.7081% | 4,374 |
| Loan and lease loss provision to assets | 0.2343% | 2,796 |
| Net operating income to assets | 0.6232% | 4,125 |
| Return on assets (ROA) | 0.8494% | 3,299 |
| Pretax return on assets | 1.2751% | 2,502 |
| Return on Equity (ROE) | 7.4242% | 3,389 |
| Retained earnings to average equity (ytd only) | -1.0756% | 6,030 |
| Net charge-offs to loans | 0.2294% | 3,560 |
| Credit loss provision to net charge-offs | 142.8571% | 1,912 |
| Earnings coverage of net charge-offs (x) | 7.1450% | 2,666 |
| Efficiency ratio | 68.8306% | 3,998 |
| Assets per employee ($millions) | 4.5633% | 2,856 |
| Cash dividends to net income (ytd only)* | 114.4879% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 5,669 |
| Loan loss allowance to noncurrent loans | 53.8269% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 1.4592% | 3,194 |
| Noncurrent loans to loans | 1.9919% | 2,708 |
| Net loans and leases to total assets | 72.0693% | 1,475 |
| Net loans and leases to deposits | 95.6207% | 646 |
| Net loans and leases to core deposits | 103.9664% | 790 |
| Total domestic deposits to total assets | 75.3700% | 6,417 |
| Equity capital to assets | 11.4894% | 2,459 |
| Core capital (leverage) ratio | 8.8238% | 5,142 |
| Tier 1 risk-based capital ratio | 13.4723% | 4,770 |
| Total risk-based capital ratio | 14.6593% | 4,769 |
| Memoranda: | ||
| Average total assets | $1,131,129,400 | 578 |
| Average earning assets | $1,011,975,200 | 581 |
| Average equity | $129,414,000 | 555 |
| Average total loans | $808,656,000 | 508 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7100% | 6,205 |
| Cost of funding earning assets | 0.6589% | 4,112 |
| Net interest margin | 3.0511% | 6,062 |
| Noninterest income to average assets | 1.0415% | 1,395 |
| Noninterest expense to average assets | 2.6269% | 4,651 |
| Loan and lease loss provision to assets | 0.2674% | 2,436 |
| Net operating income to assets | 0.5794% | 4,478 |
| Return on assets (ROA) | 0.8533% | 3,451 |
| Pretax return on assets | 1.2879% | 2,648 |
| Return on Equity (ROE) | 7.4671% | 3,550 |
| Retained earnings to average equity (ytd only) | 3.2117% | 4,608 |
| Net charge-offs to loans | 0.2657% | 3,127 |
| Credit loss provision to net charge-offs | 141.5701% | 2,037 |
| Earnings coverage of net charge-offs (x) | 6.0360% | 2,865 |
| Efficiency ratio | 68.8631% | 3,900 |
| Assets per employee ($millions) | 4.2875% | 3,297 |
| Cash dividends to net income (ytd only)* | 56.9882% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 5,402 |
| Loan loss allowance to noncurrent loans | 57.2703% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 1.5288% | 3,284 |
| Noncurrent loans to loans | 2.0520% | 2,789 |
| Net loans and leases to total assets | 73.6251% | 1,298 |
| Net loans and leases to deposits | 97.9583% | 547 |
| Net loans and leases to core deposits | 106.2427% | 725 |
| Total domestic deposits to total assets | 75.1596% | 6,498 |
| Equity capital to assets | 11.5097% | 2,730 |
| Core capital (leverage) ratio | 9.2148% | 4,734 |
| Tier 1 risk-based capital ratio | 14.1587% | 4,408 |
| Total risk-based capital ratio | 15.3081% | 4,444 |
| Memoranda: | ||
| Average total assets | $1,096,759,500 | 603 |
| Average earning assets | $979,823,750 | 604 |
| Average equity | $125,328,750 | 575 |
| Average total loans | $779,773,500 | 518 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7487% | 6,256 |
| Cost of funding earning assets | 0.6740% | 4,238 |
| Net interest margin | 3.0748% | 6,063 |
| Noninterest income to average assets | 0.9672% | 1,552 |
| Noninterest expense to average assets | 2.6638% | 4,560 |
| Loan and lease loss provision to assets | 0.2200% | 2,877 |
| Net operating income to assets | 0.5452% | 4,602 |
| Return on assets (ROA) | 0.8264% | 3,530 |
| Pretax return on assets | 1.2457% | 2,742 |
| Return on Equity (ROE) | 7.2497% | 3,645 |
| Retained earnings to average equity (ytd only) | 0.8155% | 5,741 |
| Net charge-offs to loans | 0.3167% | 2,763 |
| Credit loss provision to net charge-offs | 99.3377% | 2,797 |
| Earnings coverage of net charge-offs (x) | 4.6937% | 3,014 |
| Efficiency ratio | 71.0120% | 3,599 |
| Assets per employee ($millions) | 4.3771% | 3,124 |
| Cash dividends to net income (ytd only)* | 88.7508% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 5,675 |
| Loan loss allowance to noncurrent loans | 58.6802% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 1.3636% | 3,706 |
| Noncurrent loans to loans | 1.9148% | 3,053 |
| Net loans and leases to total assets | 70.4121% | 1,847 |
| Net loans and leases to deposits | 96.1289% | 625 |
| Net loans and leases to core deposits | 104.3299% | 838 |
| Total domestic deposits to total assets | 73.2476% | 6,728 |
| Equity capital to assets | 11.0025% | 3,112 |
| Core capital (leverage) ratio | 8.7900% | 5,229 |
| Tier 1 risk-based capital ratio | 12.9369% | 5,224 |
| Total risk-based capital ratio | 14.1475% | 5,235 |
| Memoranda: | ||
| Average total assets | $1,090,765,330 | 604 |
| Average earning assets | $970,680,330 | 611 |
| Average equity | $124,337,000 | 578 |
| Average total loans | $762,868,000 | 526 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7894% | 6,267 |
| Cost of funding earning assets | 0.7029% | 4,253 |
| Net interest margin | 3.0865% | 6,090 |
| Noninterest income to average assets | 0.8812% | 1,829 |
| Noninterest expense to average assets | 2.7322% | 4,309 |
| Loan and lease loss provision to assets | 0.0562% | 4,702 |
| Net operating income to assets | 0.5654% | 4,515 |
| Return on assets (ROA) | 0.8501% | 3,398 |
| Pretax return on assets | 1.2797% | 2,612 |
| Return on Equity (ROE) | 7.3221% | 3,597 |
| Retained earnings to average equity (ytd only) | -5.5917% | 6,623 |
| Net charge-offs to loans | 0.1651% | 3,100 |
| Credit loss provision to net charge-offs | 49.1803% | 3,304 |
| Earnings coverage of net charge-offs (x) | 7.9115% | 2,022 |
| Efficiency ratio | 74.1497% | 3,080 |
| Assets per employee ($millions) | 4.1983% | 3,582 |
| Cash dividends to net income (ytd only)* | 176.3668% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 5,517 |
| Loan loss allowance to noncurrent loans | 51.4323% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 1.6591% | 3,366 |
| Noncurrent loans to loans | 2.3210% | 2,788 |
| Net loans and leases to total assets | 67.6741% | 2,173 |
| Net loans and leases to deposits | 90.3936% | 933 |
| Net loans and leases to core deposits | 96.9618% | 1,204 |
| Total domestic deposits to total assets | 74.8660% | 6,661 |
| Equity capital to assets | 11.2146% | 2,704 |
| Core capital (leverage) ratio | 8.9214% | 4,961 |
| Tier 1 risk-based capital ratio | 13.6143% | 4,741 |
| Total risk-based capital ratio | 14.8341% | 4,750 |
| Memoranda: | ||
| Average total assets | $1,067,127,500 | 624 |
| Average earning assets | $952,668,000 | 632 |
| Average equity | $123,899,000 | 581 |
| Average total loans | $739,089,500 | 554 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2174% | 6,007 |
| Cost of funding earning assets | 0.8412% | 4,533 |
| Net interest margin | 3.3762% | 5,559 |
| Noninterest income to average assets | 0.7747% | 2,203 |
| Noninterest expense to average assets | 2.7167% | 4,684 |
| Loan and lease loss provision to assets | 0.1275% | 5,020 |
| Net operating income to assets | 0.6789% | 3,586 |
| Return on assets (ROA) | 0.8590% | 2,927 |
| Pretax return on assets | 1.2108% | 2,420 |
| Return on Equity (ROE) | 7.5998% | 3,102 |
| Retained earnings to average equity (ytd only) | 7.5998% | 1,225 |
| Net charge-offs to loans | 0.2612% | 4,141 |
| Credit loss provision to net charge-offs | 70.0054% | 4,848 |
| Earnings coverage of net charge-offs (x) | 5.9564% | 2,632 |
| Efficiency ratio | 70.3898% | 3,868 |
| Assets per employee ($millions) | 4.1375% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 5,343 |
| Loan loss allowance to noncurrent loans | 52.7309% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 1.7393% | 3,341 |
| Noncurrent loans to loans | 2.2947% | 2,861 |
| Net loans and leases to total assets | 69.2222% | 2,177 |
| Net loans and leases to deposits | 88.8848% | 1,280 |
| Net loans and leases to core deposits | 95.1206% | 1,574 |
| Total domestic deposits to total assets | 77.8786% | 6,219 |
| Equity capital to assets | 12.0282% | 2,102 |
| Core capital (leverage) ratio | 9.6274% | 3,827 |
| Tier 1 risk-based capital ratio | 14.4113% | 4,037 |
| Total risk-based capital ratio | 15.0701% | 4,418 |
| Memoranda: | ||
| Average total assets | $1,019,833,600 | 647 |
| Average earning assets | $914,234,800 | 651 |
| Average equity | $115,266,400 | 599 |
| Average total loans | $710,898,000 | 581 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2514% | 6,079 |
| Cost of funding earning assets | 0.8625% | 4,683 |
| Net interest margin | 3.3888% | 5,606 |
| Noninterest income to average assets | 0.7455% | 2,340 |
| Noninterest expense to average assets | 2.6660% | 4,854 |
| Loan and lease loss provision to assets | 0.1248% | 4,868 |
| Net operating income to assets | 0.6883% | 3,678 |
| Return on assets (ROA) | 0.8942% | 2,910 |
| Pretax return on assets | 1.2850% | 2,339 |
| Return on Equity (ROE) | 8.0432% | 3,021 |
| Retained earnings to average equity (ytd only) | 8.0432% | 1,496 |
| Net charge-offs to loans | 0.1853% | 4,317 |
| Credit loss provision to net charge-offs | 96.7413% | 3,543 |
| Earnings coverage of net charge-offs (x) | 8.6507% | 2,145 |
| Efficiency ratio | 69.3790% | 4,064 |
| Assets per employee ($millions) | 4.3859% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 5,024 |
| Loan loss allowance to noncurrent loans | 77.4062% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.2601% | 4,280 |
| Noncurrent loans to loans | 1.6759% | 3,792 |
| Net loans and leases to total assets | 68.2860% | 2,426 |
| Net loans and leases to deposits | 88.8516% | 1,337 |
| Net loans and leases to core deposits | 96.1041% | 1,598 |
| Total domestic deposits to total assets | 76.8540% | 6,397 |
| Equity capital to assets | 11.8723% | 2,357 |
| Core capital (leverage) ratio | 9.4177% | 4,279 |
| Tier 1 risk-based capital ratio | 14.0370% | 4,330 |
| Total risk-based capital ratio | 14.7012% | 4,743 |
| Memoranda: | ||
| Average total assets | $1,015,164,750 | 655 |
| Average earning assets | $909,549,250 | 663 |
| Average equity | $112,854,500 | 617 |
| Average total loans | $706,701,500 | 589 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2892% | 6,053 |
| Cost of funding earning assets | 0.8749% | 4,867 |
| Net interest margin | 3.4143% | 5,506 |
| Noninterest income to average assets | 0.7604% | 2,206 |
| Noninterest expense to average assets | 2.7204% | 4,739 |
| Loan and lease loss provision to assets | 0.0794% | 5,321 |
| Net operating income to assets | 0.7024% | 3,537 |
| Return on assets (ROA) | 0.8818% | 2,830 |
| Pretax return on assets | 1.2835% | 2,191 |
| Return on Equity (ROE) | 8.1217% | 2,892 |
| Retained earnings to average equity (ytd only) | 8.1217% | 1,416 |
| Net charge-offs to loans | 0.1369% | 4,377 |
| Credit loss provision to net charge-offs | 83.1601% | 3,681 |
| Earnings coverage of net charge-offs (x) | 11.5468% | 1,706 |
| Efficiency ratio | 70.0031% | 4,120 |
| Assets per employee ($millions) | 4.3067% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 5,114 |
| Loan loss allowance to noncurrent loans | 99.7850% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.9223% | 5,024 |
| Noncurrent loans to loans | 1.2903% | 4,507 |
| Net loans and leases to total assets | 69.1325% | 2,389 |
| Net loans and leases to deposits | 90.3851% | 1,230 |
| Net loans and leases to core deposits | 96.8740% | 1,602 |
| Total domestic deposits to total assets | 76.4866% | 6,523 |
| Equity capital to assets | 10.9169% | 3,042 |
| Core capital (leverage) ratio | 8.4530% | 5,628 |
| Tier 1 risk-based capital ratio | 12.4369% | 5,407 |
| Total risk-based capital ratio | 13.0883% | 5,885 |
| Memoranda: | ||
| Average total assets | $1,007,070,670 | 668 |
| Average earning assets | $903,425,330 | 672 |
| Average equity | $109,337,330 | 638 |
| Average total loans | $702,560,000 | 604 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3811% | 5,757 |
| Cost of funding earning assets | 0.8939% | 4,966 |
| Net interest margin | 3.4872% | 5,068 |
| Noninterest income to average assets | 0.7864% | 2,085 |
| Noninterest expense to average assets | 2.6953% | 4,855 |
| Loan and lease loss provision to assets | 0.1004% | 4,757 |
| Net operating income to assets | 0.7697% | 3,171 |
| Return on assets (ROA) | 0.8916% | 2,667 |
| Pretax return on assets | 1.2964% | 2,053 |
| Return on Equity (ROE) | 8.2358% | 2,814 |
| Retained earnings to average equity (ytd only) | 8.2358% | 1,646 |
| Net charge-offs to loans | 0.1834% | 3,392 |
| Credit loss provision to net charge-offs | 78.6164% | 3,189 |
| Earnings coverage of net charge-offs (x) | 9.5535% | 1,710 |
| Efficiency ratio | 67.6890% | 4,712 |
| Assets per employee ($millions) | 4.3273% | 3,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 5,006 |
| Loan loss allowance to noncurrent loans | 101.2860% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.9180% | 5,061 |
| Noncurrent loans to loans | 1.3095% | 4,511 |
| Net loans and leases to total assets | 69.1712% | 2,292 |
| Net loans and leases to deposits | 92.3600% | 986 |
| Net loans and leases to core deposits | 99.5157% | 1,380 |
| Total domestic deposits to total assets | 74.8930% | 6,811 |
| Equity capital to assets | 10.8980% | 2,777 |
| Core capital (leverage) ratio | 8.4542% | 5,540 |
| Tier 1 risk-based capital ratio | 12.0372% | 5,656 |
| Total risk-based capital ratio | 12.6912% | 6,133 |
| Memoranda: | ||
| Average total assets | $995,953,500 | 674 |
| Average earning assets | $893,662,000 | 678 |
| Average equity | $107,822,000 | 643 |
| Average total loans | $693,407,500 | 618 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 6,280 |
| Cost of funding earning assets | 0.9967% | 5,713 |
| Net interest margin | 3.5451% | 5,056 |
| Noninterest income to average assets | 0.7949% | 2,312 |
| Noninterest expense to average assets | 2.7313% | 4,847 |
| Loan and lease loss provision to assets | 0.2153% | 5,105 |
| Net operating income to assets | 0.7018% | 3,224 |
| Return on assets (ROA) | 0.8970% | 2,533 |
| Pretax return on assets | 1.3130% | 1,902 |
| Return on Equity (ROE) | 8.1616% | 2,636 |
| Retained earnings to average equity (ytd only) | 0.6979% | 5,216 |
| Net charge-offs to loans | 0.2889% | 4,575 |
| Credit loss provision to net charge-offs | 110.9937% | 3,962 |
| Earnings coverage of net charge-offs (x) | 6.3990% | 2,369 |
| Efficiency ratio | 67.5106% | 4,665 |
| Assets per employee ($millions) | 4.2957% | 3,219 |
| Cash dividends to net income (ytd only)* | 91.4495% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 4,677 |
| Loan loss allowance to noncurrent loans | 94.2319% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 1.0087% | 4,982 |
| Noncurrent loans to loans | 1.4479% | 4,311 |
| Net loans and leases to total assets | 68.1971% | 2,937 |
| Net loans and leases to deposits | 85.8321% | 2,135 |
| Net loans and leases to core deposits | 92.5395% | 2,434 |
| Total domestic deposits to total assets | 79.4541% | 5,983 |
| Equity capital to assets | 10.7535% | 2,902 |
| Core capital (leverage) ratio | 8.2778% | 5,717 |
| Tier 1 risk-based capital ratio | 12.0389% | 5,436 |
| Total risk-based capital ratio | 12.6718% | 5,971 |
| Memoranda: | ||
| Average total assets | $975,296,200 | 677 |
| Average earning assets | $874,224,400 | 693 |
| Average equity | $107,184,800 | 630 |
| Average total loans | $654,932,000 | 669 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6340% | 6,245 |
| Cost of funding earning assets | 1.0047% | 5,916 |
| Net interest margin | 3.6293% | 4,729 |
| Noninterest income to average assets | 0.7475% | 2,527 |
| Noninterest expense to average assets | 2.6901% | 4,918 |
| Loan and lease loss provision to assets | 0.2677% | 4,441 |
| Net operating income to assets | 0.6935% | 3,446 |
| Return on assets (ROA) | 0.8782% | 2,839 |
| Pretax return on assets | 1.3225% | 2,114 |
| Return on Equity (ROE) | 7.9473% | 2,932 |
| Retained earnings to average equity (ytd only) | 2.9771% | 4,352 |
| Net charge-offs to loans | 0.4362% | 3,554 |
| Credit loss provision to net charge-offs | 92.1115% | 4,685 |
| Earnings coverage of net charge-offs (x) | 4.5083% | 3,022 |
| Efficiency ratio | 65.9768% | 4,863 |
| Assets per employee ($millions) | 4.3342% | 3,196 |
| Cash dividends to net income (ytd only)* | 62.5391% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 4,516 |
| Loan loss allowance to noncurrent loans | 649.2558% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 6,986 |
| Noncurrent loans to loans | 0.2142% | 6,752 |
| Net loans and leases to total assets | 64.8929% | 3,929 |
| Net loans and leases to deposits | 85.8693% | 2,372 |
| Net loans and leases to core deposits | 93.1374% | 2,640 |
| Total domestic deposits to total assets | 75.5717% | 6,723 |
| Equity capital to assets | 11.0492% | 2,914 |
| Core capital (leverage) ratio | 8.3967% | 5,703 |
| Tier 1 risk-based capital ratio | 12.7391% | 4,784 |
| Total risk-based capital ratio | 13.3522% | 5,333 |
| Memoranda: | ||
| Average total assets | $971,043,500 | 681 |
| Average earning assets | $870,381,500 | 692 |
| Average equity | $107,304,000 | 618 |
| Average total loans | $647,143,500 | 681 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7375% | 6,018 |
| Cost of funding earning assets | 1.0016% | 6,134 |
| Net interest margin | 3.7358% | 4,207 |
| Noninterest income to average assets | 0.7958% | 2,140 |
| Noninterest expense to average assets | 2.6978% | 4,920 |
| Loan and lease loss provision to assets | 0.3122% | 3,881 |
| Net operating income to assets | 0.7586% | 3,153 |
| Return on assets (ROA) | 0.8487% | 2,887 |
| Pretax return on assets | 1.2651% | 2,200 |
| Return on Equity (ROE) | 7.6800% | 3,026 |
| Retained earnings to average equity (ytd only) | 0.1469% | 5,688 |
| Net charge-offs to loans | 0.5622% | 2,850 |
| Credit loss provision to net charge-offs | 82.9646% | 4,628 |
| Earnings coverage of net charge-offs (x) | 3.8346% | 3,163 |
| Efficiency ratio | 63.8872% | 5,362 |
| Assets per employee ($millions) | 4.3017% | 3,213 |
| Cash dividends to net income (ytd only)* | 98.0873% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 4,599 |
| Loan loss allowance to noncurrent loans | 262.8388% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 6,499 |
| Noncurrent loans to loans | 0.5194% | 6,217 |
| Net loans and leases to total assets | 65.8468% | 3,867 |
| Net loans and leases to deposits | 88.4728% | 2,097 |
| Net loans and leases to core deposits | 93.7535% | 2,755 |
| Total domestic deposits to total assets | 74.4260% | 6,923 |
| Equity capital to assets | 10.9813% | 2,884 |
| Core capital (leverage) ratio | 8.2495% | 5,856 |
| Tier 1 risk-based capital ratio | 12.1606% | 5,164 |
| Total risk-based capital ratio | 12.8097% | 5,681 |
| Memoranda: | ||
| Average total assets | $960,993,000 | 691 |
| Average earning assets | $860,420,330 | 699 |
| Average equity | $106,197,330 | 620 |
| Average total loans | $643,236,330 | 692 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8215% | 5,802 |
| Cost of funding earning assets | 1.0363% | 6,190 |
| Net interest margin | 3.7853% | 3,850 |
| Noninterest income to average assets | 0.8124% | 1,956 |
| Noninterest expense to average assets | 2.6675% | 5,069 |
| Loan and lease loss provision to assets | 0.4225% | 2,844 |
| Net operating income to assets | 0.7131% | 3,379 |
| Return on assets (ROA) | 0.8010% | 3,060 |
| Pretax return on assets | 1.2472% | 2,214 |
| Return on Equity (ROE) | 7.2248% | 3,233 |
| Retained earnings to average equity (ytd only) | -8.0174% | 6,831 |
| Net charge-offs to loans | 0.5900% | 2,329 |
| Credit loss provision to net charge-offs | 106.8376% | 3,218 |
| Earnings coverage of net charge-offs (x) | 3.8750% | 2,760 |
| Efficiency ratio | 62.2271% | 5,792 |
| Assets per employee ($millions) | 4.0827% | 3,673 |
| Cash dividends to net income (ytd only)* | 210.9705% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 4,053 |
| Loan loss allowance to noncurrent loans | 388.5029% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 6,821 |
| Noncurrent loans to loans | 0.3792% | 6,524 |
| Net loans and leases to total assets | 67.1940% | 3,581 |
| Net loans and leases to deposits | 88.1051% | 2,207 |
| Net loans and leases to core deposits | 93.9746% | 2,843 |
| Total domestic deposits to total assets | 76.2658% | 6,712 |
| Equity capital to assets | 11.1480% | 2,635 |
| Core capital (leverage) ratio | 8.4591% | 5,445 |
| Tier 1 risk-based capital ratio | 12.2851% | 4,910 |
| Total risk-based capital ratio | 12.9798% | 5,414 |
| Memoranda: | ||
| Average total assets | $946,789,000 | 717 |
| Average earning assets | $847,285,500 | 726 |
| Average equity | $104,971,500 | 631 |
| Average total loans | $634,601,000 | 721 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0945% | 6,109 |
| Cost of funding earning assets | 1.3681% | 6,063 |
| Net interest margin | 3.7264% | 4,021 |
| Noninterest income to average assets | 0.9543% | 1,729 |
| Noninterest expense to average assets | 2.9164% | 4,479 |
| Loan and lease loss provision to assets | 0.6542% | 3,195 |
| Net operating income to assets | 0.4664% | 3,870 |
| Return on assets (ROA) | 0.8301% | 2,501 |
| Pretax return on assets | 1.2394% | 1,850 |
| Return on Equity (ROE) | 7.2586% | 2,687 |
| Retained earnings to average equity (ytd only) | 2.3660% | 3,460 |
| Net charge-offs to loans | 0.2946% | 4,788 |
| Credit loss provision to net charge-offs | 311.7867% | 1,051 |
| Earnings coverage of net charge-offs (x) | 6.4379% | 2,365 |
| Efficiency ratio | 66.9158% | 5,202 |
| Assets per employee ($millions) | 4.0968% | 3,623 |
| Cash dividends to net income (ytd only)* | 67.4036% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4771% | 3,850 |
| Loan loss allowance to noncurrent loans | 338.7436% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 6,698 |
| Noncurrent loans to loans | 0.4360% | 6,397 |
| Net loans and leases to total assets | 64.9104% | 4,384 |
| Net loans and leases to deposits | 84.0801% | 3,252 |
| Net loans and leases to core deposits | 105.4465% | 3,405 |
| Total domestic deposits to total assets | 77.2007% | 6,415 |
| Equity capital to assets | 11.0277% | 2,690 |
| Core capital (leverage) ratio | 8.4489% | 5,360 |
| Tier 1 risk-based capital ratio | 12.5800% | 4,462 |
| Total risk-based capital ratio | 13.2716% | 4,881 |
| Memoranda: | ||
| Average total assets | $893,644,200 | 756 |
| Average earning assets | $794,461,800 | 771 |
| Average equity | $102,196,200 | 639 |
| Average total loans | $636,404,000 | 736 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2122% | 5,830 |
| Cost of funding earning assets | 1.4629% | 5,987 |
| Net interest margin | 3.7492% | 3,868 |
| Noninterest income to average assets | 0.9850% | 1,660 |
| Noninterest expense to average assets | 2.9464% | 4,248 |
| Loan and lease loss provision to assets | 0.4933% | 3,436 |
| Net operating income to assets | 0.5752% | 3,707 |
| Return on assets (ROA) | 0.8334% | 2,745 |
| Pretax return on assets | 1.2633% | 2,072 |
| Return on Equity (ROE) | 7.2168% | 2,979 |
| Retained earnings to average equity (ytd only) | 0.6369% | 4,928 |
| Net charge-offs to loans | 0.2131% | 4,698 |
| Credit loss provision to net charge-offs | 318.5476% | 1,293 |
| Earnings coverage of net charge-offs (x) | 8.8175% | 2,195 |
| Efficiency ratio | 66.8640% | 5,215 |
| Assets per employee ($millions) | 3.8091% | 4,171 |
| Cash dividends to net income (ytd only)* | 91.1743% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 5,131 |
| Loan loss allowance to noncurrent loans | 113.5969% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.7596% | 5,605 |
| Noncurrent loans to loans | 1.0538% | 5,211 |
| Net loans and leases to total assets | 69.6489% | 3,592 |
| Net loans and leases to deposits | 89.5468% | 2,664 |
| Net loans and leases to core deposits | 110.1946% | 3,214 |
| Total domestic deposits to total assets | 77.7793% | 6,150 |
| Equity capital to assets | 11.7420% | 2,402 |
| Core capital (leverage) ratio | 8.8283% | 4,934 |
| Tier 1 risk-based capital ratio | 12.7434% | 4,354 |
| Total risk-based capital ratio | 13.4059% | 4,787 |
| Memoranda: | ||
| Average total assets | $877,394,750 | 781 |
| Average earning assets | $778,519,250 | 804 |
| Average equity | $101,316,250 | 654 |
| Average total loans | $637,608,250 | 750 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2677% | 5,800 |
| Cost of funding earning assets | 1.5216% | 6,052 |
| Net interest margin | 3.7461% | 3,766 |
| Noninterest income to average assets | 0.9876% | 1,639 |
| Noninterest expense to average assets | 2.9692% | 4,214 |
| Loan and lease loss provision to assets | 0.5435% | 2,849 |
| Net operating income to assets | 0.5243% | 4,004 |
| Return on assets (ROA) | 0.8108% | 2,908 |
| Pretax return on assets | 1.2160% | 2,253 |
| Return on Equity (ROE) | 7.0628% | 3,175 |
| Retained earnings to average equity (ytd only) | 1.0570% | 4,735 |
| Net charge-offs to loans | 0.2260% | 4,083 |
| Credit loss provision to net charge-offs | 327.5623% | 1,422 |
| Earnings coverage of net charge-offs (x) | 8.0263% | 2,331 |
| Efficiency ratio | 67.5163% | 5,251 |
| Assets per employee ($millions) | 3.6920% | 4,346 |
| Cash dividends to net income (ytd only)* | 85.0340% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 5,666 |
| Loan loss allowance to noncurrent loans | 85.0152% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.9177% | 5,139 |
| Noncurrent loans to loans | 1.2830% | 4,634 |
| Net loans and leases to total assets | 69.9016% | 3,724 |
| Net loans and leases to deposits | 91.9767% | 2,472 |
| Net loans and leases to core deposits | 111.0175% | 3,251 |
| Total domestic deposits to total assets | 75.9993% | 6,549 |
| Equity capital to assets | 11.4648% | 2,560 |
| Core capital (leverage) ratio | 8.7045% | 5,078 |
| Tier 1 risk-based capital ratio | 12.7286% | 4,334 |
| Total risk-based capital ratio | 13.3036% | 4,792 |
| Memoranda: | ||
| Average total assets | $870,211,000 | 810 |
| Average earning assets | $769,713,670 | 833 |
| Average equity | $99,903,670 | 674 |
| Average total loans | $638,913,670 | 768 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4374% | 5,240 |
| Cost of funding earning assets | 1.5933% | 6,059 |
| Net interest margin | 3.8442% | 3,279 |
| Noninterest income to average assets | 0.9394% | 1,697 |
| Noninterest expense to average assets | 2.9441% | 3,996 |
| Loan and lease loss provision to assets | 0.8224% | 1,573 |
| Net operating income to assets | 0.3619% | 5,009 |
| Return on assets (ROA) | 0.7209% | 3,659 |
| Pretax return on assets | 1.0818% | 3,056 |
| Return on Equity (ROE) | 6.2745% | 3,918 |
| Retained earnings to average equity (ytd only) | -3.9512% | 6,422 |
| Net charge-offs to loans | 0.2284% | 3,273 |
| Credit loss provision to net charge-offs | 480.7692% | 1,119 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,252 |
| Efficiency ratio | 66.6994% | 5,197 |
| Assets per employee ($millions) | 3.5080% | 4,803 |
| Cash dividends to net income (ytd only)* | 162.9726% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 5,694 |
| Loan loss allowance to noncurrent loans | 80.1617% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.0054% | 4,685 |
| Noncurrent loans to loans | 1.3330% | 4,317 |
| Net loans and leases to total assets | 72.3519% | 3,160 |
| Net loans and leases to deposits | 94.1881% | 2,241 |
| Net loans and leases to core deposits | 114.1018% | 3,002 |
| Total domestic deposits to total assets | 76.8164% | 6,330 |
| Equity capital to assets | 11.8015% | 2,381 |
| Core capital (leverage) ratio | 8.9730% | 4,752 |
| Tier 1 risk-based capital ratio | 12.8701% | 4,275 |
| Total risk-based capital ratio | 13.3742% | 4,750 |
| Memoranda: | ||
| Average total assets | $851,201,500 | 828 |
| Average earning assets | $746,895,000 | 857 |
| Average equity | $97,792,000 | 687 |
| Average total loans | $637,436,500 | 777 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9529% | 5,798 |
| Cost of funding earning assets | 2.1073% | 6,020 |
| Net interest margin | 3.8456% | 3,811 |
| Noninterest income to average assets | 0.8123% | 2,441 |
| Noninterest expense to average assets | 2.9668% | 4,194 |
| Loan and lease loss provision to assets | 0.1094% | 5,973 |
| Net operating income to assets | 0.7754% | 3,545 |
| Return on assets (ROA) | 0.7993% | 3,274 |
| Pretax return on assets | 1.1349% | 2,899 |
| Return on Equity (ROE) | 7.1441% | 3,454 |
| Retained earnings to average equity (ytd only) | 2.3105% | 3,763 |
| Net charge-offs to loans | 0.1048% | 5,256 |
| Credit loss provision to net charge-offs | 136.2275% | 3,912 |
| Earnings coverage of net charge-offs (x) | 15.0734% | 1,968 |
| Efficiency ratio | 69.2792% | 4,482 |
| Assets per employee ($millions) | 3.4977% | 4,665 |
| Cash dividends to net income (ytd only)* | 67.6590% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8323% | 6,969 |
| Loan loss allowance to noncurrent loans | 76.4228% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 0.8665% | 4,683 |
| Noncurrent loans to loans | 1.0891% | 4,383 |
| Net loans and leases to total assets | 76.0508% | 2,611 |
| Net loans and leases to deposits | 96.9582% | 2,295 |
| Net loans and leases to core deposits | 115.4266% | 3,193 |
| Total domestic deposits to total assets | 78.4367% | 5,570 |
| Equity capital to assets | 11.1671% | 2,904 |
| Core capital (leverage) ratio | 8.1216% | 6,297 |
| Tier 1 risk-based capital ratio | 11.1225% | 5,624 |
| Total risk-based capital ratio | 11.3600% | 6,481 |
| Memoranda: | ||
| Average total assets | $832,083,600 | 816 |
| Average earning assets | $728,003,400 | 837 |
| Average equity | $93,098,200 | 718 |
| Average total loans | $637,492,600 | 751 |