Home > Liberty Bank > Performance and Condition Ratios
Liberty Bank, Performance and Condition Ratios
| 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 | 4.3633% | 2,137 |
| Cost of funding earning assets | 0.3384% | 3,814 |
| Net interest margin | 4.0249% | 1,673 |
| Noninterest income to average assets | 0.4897% | 3,062 |
| Noninterest expense to average assets | 2.3688% | 4,158 |
| Loan and lease loss provision to assets | 0.3611% | 430 |
| Net operating income to assets | 1.4275% | 959 |
| Return on assets (ROA) | 1.4275% | 976 |
| Pretax return on assets | 1.4481% | 1,821 |
| Return on Equity (ROE) | 12.9768% | 957 |
| Retained earnings to average equity (ytd only) | 12.6601% | 148 |
| Net charge-offs to loans | 0.0635% | 2,569 |
| Credit loss provision to net charge-offs | 1,065.4206% | 339 |
| Earnings coverage of net charge-offs (x) | 53.3832% | 1,044 |
| Efficiency ratio | 49.7309% | 5,232 |
| Assets per employee ($millions) | 6.8878% | 1,020 |
| Cash dividends to net income (ytd only)* | 2.4406% | 4,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6406% | 5,174 |
| Loan loss allowance to noncurrent loans | 49.8071% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 0.7930% | 1,965 |
| Noncurrent loans to loans | 1.2862% | 1,369 |
| Net loans and leases to total assets | 51.6911% | 4,540 |
| Net loans and leases to deposits | 59.8238% | 4,578 |
| Net loans and leases to core deposits | 63.8405% | 4,540 |
| Total domestic deposits to total assets | 86.4055% | 2,271 |
| Equity capital to assets | 11.3825% | 2,300 |
| Core capital (leverage) ratio | 9.3964% | 4,165 |
| Tier 1 risk-based capital ratio | 14.5284% | 3,076 |
| Total risk-based capital ratio | 15.0536% | 3,383 |
| Memoranda: | ||
| Average total assets | $315,734,000 | 2,089 |
| Average earning assets | $289,321,800 | 2,103 |
| Average equity | $34,731,200 | 2,097 |
| Average total loans | $168,446,400 | 2,437 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3666% | 2,052 |
| Cost of funding earning assets | 0.3155% | 3,981 |
| Net interest margin | 4.0511% | 1,535 |
| Noninterest income to average assets | 0.4788% | 3,156 |
| Noninterest expense to average assets | 2.2985% | 4,303 |
| Loan and lease loss provision to assets | 0.4035% | 333 |
| Net operating income to assets | 1.4738% | 951 |
| Return on assets (ROA) | 1.4738% | 970 |
| Pretax return on assets | 1.4952% | 1,783 |
| Return on Equity (ROE) | 13.5126% | 930 |
| Retained earnings to average equity (ytd only) | 13.2351% | 208 |
| Net charge-offs to loans | 0.0117% | 3,314 |
| Credit loss provision to net charge-offs | 6,400.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 301.1260% | 306 |
| Efficiency ratio | 48.0721% | 5,338 |
| Assets per employee ($millions) | 6.6979% | 1,068 |
| Cash dividends to net income (ytd only)* | 2.0537% | 3,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5681% | 5,380 |
| Loan loss allowance to noncurrent loans | 65.9456% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 2,697 |
| Noncurrent loans to loans | 0.8614% | 2,215 |
| Net loans and leases to total assets | 53.6856% | 4,439 |
| Net loans and leases to deposits | 63.4467% | 4,420 |
| Net loans and leases to core deposits | 66.9673% | 4,424 |
| Total domestic deposits to total assets | 84.6153% | 2,878 |
| Equity capital to assets | 11.5104% | 2,362 |
| Core capital (leverage) ratio | 9.0024% | 4,731 |
| Tier 1 risk-based capital ratio | 13.6393% | 3,617 |
| Total risk-based capital ratio | 14.1095% | 4,005 |
| Memoranda: | ||
| Average total assets | $317,180,250 | 2,088 |
| Average earning assets | $291,142,000 | 2,104 |
| Average equity | $34,594,000 | 2,118 |
| Average total loans | $170,245,750 | 2,433 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 2,015 |
| Cost of funding earning assets | 0.2886% | 4,202 |
| Net interest margin | 4.0478% | 1,470 |
| Noninterest income to average assets | 0.4341% | 3,458 |
| Noninterest expense to average assets | 2.1524% | 4,661 |
| Loan and lease loss provision to assets | 0.4372% | 283 |
| Net operating income to assets | 1.5453% | 795 |
| Return on assets (ROA) | 1.5453% | 813 |
| Pretax return on assets | 1.5677% | 1,439 |
| Return on Equity (ROE) | 14.4240% | 753 |
| Retained earnings to average equity (ytd only) | 14.2316% | 169 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4928% | 5,476 |
| Assets per employee ($millions) | 7.0701% | 900 |
| Cash dividends to net income (ytd only)* | 1.3339% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4051% | 5,608 |
| Loan loss allowance to noncurrent loans | 26.4951% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 0.9458% | 1,860 |
| Noncurrent loans to loans | 1.5290% | 1,227 |
| Net loans and leases to total assets | 52.9154% | 4,487 |
| Net loans and leases to deposits | 61.4067% | 4,537 |
| Net loans and leases to core deposits | 64.5551% | 4,565 |
| Total domestic deposits to total assets | 86.1719% | 2,304 |
| Equity capital to assets | 10.4630% | 3,390 |
| Core capital (leverage) ratio | 8.6054% | 5,137 |
| Tier 1 risk-based capital ratio | 12.6063% | 4,238 |
| Total risk-based capital ratio | 12.9429% | 4,726 |
| Memoranda: | ||
| Average total assets | $320,205,330 | 2,083 |
| Average earning assets | $294,530,670 | 2,092 |
| Average equity | $34,304,000 | 2,128 |
| Average total loans | $171,543,330 | 2,425 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5402% | 5,709 |
| Cost of funding earning assets | 0.3392% | 3,639 |
| Net interest margin | 2.2009% | 5,704 |
| Noninterest income to average assets | 0.3374% | 4,146 |
| Noninterest expense to average assets | 1.5310% | 5,613 |
| Loan and lease loss provision to assets | 0.0504% | 2,799 |
| Net operating income to assets | 0.7705% | 3,364 |
| Return on assets (ROA) | 0.7705% | 3,421 |
| Pretax return on assets | 0.7819% | 4,177 |
| Return on Equity (ROE) | 7.1076% | 3,359 |
| Retained earnings to average equity (ytd only) | 6.7243% | 1,961 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7842% | 3,702 |
| Assets per employee ($millions) | 6.5458% | 1,162 |
| Cash dividends to net income (ytd only)* | 5.3922% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0242% | 5,801 |
| Loan loss allowance to noncurrent loans | 1.3908% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 1.0535% | 1,715 |
| Noncurrent loans to loans | 1.7419% | 1,098 |
| Net loans and leases to total assets | 52.5355% | 4,470 |
| Net loans and leases to deposits | 60.5454% | 4,532 |
| Net loans and leases to core deposits | 64.0754% | 4,531 |
| Total domestic deposits to total assets | 86.7705% | 2,325 |
| Equity capital to assets | 9.5930% | 4,186 |
| Core capital (leverage) ratio | 7.4257% | 5,719 |
| Tier 1 risk-based capital ratio | 11.4559% | 5,058 |
| Total risk-based capital ratio | 11.4758% | 5,585 |
| Memoranda: | ||
| Average total assets | $317,696,500 | 2,106 |
| Average earning assets | $292,420,500 | 2,119 |
| Average equity | $34,442,000 | 2,116 |
| Average total loans | $170,918,500 | 2,451 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8139% | 3,860 |
| Cost of funding earning assets | 0.4990% | 2,095 |
| Net interest margin | 3.3149% | 4,099 |
| Noninterest income to average assets | 0.5645% | 2,843 |
| Noninterest expense to average assets | 2.3162% | 4,521 |
| Loan and lease loss provision to assets | 0.0372% | 3,624 |
| Net operating income to assets | 0.9023% | 2,809 |
| Return on assets (ROA) | 0.9302% | 2,789 |
| Pretax return on assets | 1.3049% | 2,264 |
| Return on Equity (ROE) | 7.7341% | 3,095 |
| Retained earnings to average equity (ytd only) | 7.4406% | 1,059 |
| Net charge-offs to loans | -0.0840% | 5,533 |
| Credit loss provision to net charge-offs | -82.7586% | 4,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1899% | 4,075 |
| Assets per employee ($millions) | 6.6915% | 1,052 |
| Cash dividends to net income (ytd only)* | 3.7949% | 4,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 3,177 |
| Loan loss allowance to noncurrent loans | 55.1218% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 1.2768% | 1,392 |
| Noncurrent loans to loans | 2.1598% | 795 |
| Net loans and leases to total assets | 54.3681% | 4,411 |
| Net loans and leases to deposits | 64.3547% | 4,378 |
| Net loans and leases to core deposits | 69.4640% | 4,290 |
| Total domestic deposits to total assets | 84.4820% | 3,242 |
| Equity capital to assets | 12.0622% | 1,760 |
| Core capital (leverage) ratio | 11.3902% | 2,015 |
| Tier 1 risk-based capital ratio | 16.9197% | 2,179 |
| Total risk-based capital ratio | 17.9107% | 2,231 |
| Memoranda: | ||
| Average total assets | $322,936,600 | 2,041 |
| Average earning assets | $297,568,000 | 2,060 |
| Average equity | $38,841,000 | 1,888 |
| Average total loans | $172,571,800 | 2,393 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8374% | 3,808 |
| Cost of funding earning assets | 0.4975% | 2,122 |
| Net interest margin | 3.3400% | 4,059 |
| Noninterest income to average assets | 0.5599% | 2,874 |
| Noninterest expense to average assets | 2.3271% | 4,469 |
| Loan and lease loss provision to assets | 0.0495% | 3,255 |
| Net operating income to assets | 0.8958% | 2,928 |
| Return on assets (ROA) | 0.9277% | 2,891 |
| Pretax return on assets | 1.2984% | 2,436 |
| Return on Equity (ROE) | 7.7187% | 3,170 |
| Retained earnings to average equity (ytd only) | 7.4134% | 1,436 |
| Net charge-offs to loans | 0.0062% | 3,693 |
| Credit loss provision to net charge-offs | 1,500.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 394.8669% | 227 |
| Efficiency ratio | 63.0509% | 4,066 |
| Assets per employee ($millions) | 6.6756% | 1,015 |
| Cash dividends to net income (ytd only)* | 3.9554% | 3,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 3,818 |
| Loan loss allowance to noncurrent loans | 140.5620% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 3,357 |
| Noncurrent loans to loans | 0.7842% | 2,719 |
| Net loans and leases to total assets | 54.6282% | 4,436 |
| Net loans and leases to deposits | 66.1158% | 4,332 |
| Net loans and leases to core deposits | 71.4916% | 4,203 |
| Total domestic deposits to total assets | 82.6249% | 3,736 |
| Equity capital to assets | 12.5556% | 1,746 |
| Core capital (leverage) ratio | 11.1350% | 2,326 |
| Tier 1 risk-based capital ratio | 16.8269% | 2,285 |
| Total risk-based capital ratio | 17.7598% | 2,363 |
| Memoranda: | ||
| Average total assets | $323,372,250 | 2,050 |
| Average earning assets | $297,239,500 | 2,063 |
| Average equity | $38,865,500 | 1,898 |
| Average total loans | $171,532,000 | 2,396 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8076% | 3,928 |
| Cost of funding earning assets | 0.4922% | 2,168 |
| Net interest margin | 3.3154% | 4,174 |
| Noninterest income to average assets | 0.5673% | 2,809 |
| Noninterest expense to average assets | 2.3111% | 4,581 |
| Loan and lease loss provision to assets | 0.0740% | 2,658 |
| Net operating income to assets | 0.8772% | 2,981 |
| Return on assets (ROA) | 0.9249% | 2,879 |
| Pretax return on assets | 1.2937% | 2,435 |
| Return on Equity (ROE) | 7.8105% | 3,081 |
| Retained earnings to average equity (ytd only) | 7.6647% | 1,305 |
| Net charge-offs to loans | -0.0365% | 5,226 |
| Credit loss provision to net charge-offs | -387.0968% | 4,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9332% | 4,188 |
| Assets per employee ($millions) | 6.8378% | 932 |
| Cash dividends to net income (ytd only)* | 1.8667% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 3,612 |
| Loan loss allowance to noncurrent loans | 142.6523% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 3,449 |
| Noncurrent loans to loans | 0.8094% | 2,726 |
| Net loans and leases to total assets | 51.9048% | 4,684 |
| Net loans and leases to deposits | 63.0372% | 4,568 |
| Net loans and leases to core deposits | 67.8101% | 4,491 |
| Total domestic deposits to total assets | 82.3400% | 3,895 |
| Equity capital to assets | 12.0351% | 2,103 |
| Core capital (leverage) ratio | 10.8145% | 2,630 |
| Tier 1 risk-based capital ratio | 16.6922% | 2,355 |
| Total risk-based capital ratio | 17.6554% | 2,408 |
| Memoranda: | ||
| Average total assets | $324,353,000 | 2,050 |
| Average earning assets | $297,822,330 | 2,067 |
| Average equity | $38,410,000 | 1,916 |
| Average total loans | $169,710,670 | 2,419 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7980% | 3,950 |
| Cost of funding earning assets | 0.5078% | 2,043 |
| Net interest margin | 3.2902% | 4,260 |
| Noninterest income to average assets | 0.5434% | 2,854 |
| Noninterest expense to average assets | 2.2827% | 4,708 |
| Loan and lease loss provision to assets | 0.1117% | 1,866 |
| Net operating income to assets | 0.8442% | 3,011 |
| Return on assets (ROA) | 0.8870% | 2,943 |
| Pretax return on assets | 1.2307% | 2,578 |
| Return on Equity (ROE) | 7.5532% | 3,161 |
| Retained earnings to average equity (ytd only) | 7.5532% | 1,642 |
| Net charge-offs to loans | -0.0119% | 4,601 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9436% | 4,306 |
| Assets per employee ($millions) | 6.7839% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 3,807 |
| Loan loss allowance to noncurrent loans | 143.1532% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.5227% | 3,508 |
| Noncurrent loans to loans | 0.7993% | 2,837 |
| Net loans and leases to total assets | 51.3142% | 4,704 |
| Net loans and leases to deposits | 60.8317% | 4,654 |
| Net loans and leases to core deposits | 65.2282% | 4,600 |
| Total domestic deposits to total assets | 84.3545% | 3,376 |
| Equity capital to assets | 11.8132% | 2,147 |
| Core capital (leverage) ratio | 10.6599% | 2,785 |
| Tier 1 risk-based capital ratio | 16.6407% | 2,423 |
| Total risk-based capital ratio | 17.5955% | 2,496 |
| Memoranda: | ||
| Average total assets | $322,421,500 | 2,071 |
| Average earning assets | $296,154,500 | 2,082 |
| Average equity | $37,864,500 | 1,938 |
| Average total loans | $168,391,000 | 2,418 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9944% | 3,329 |
| Cost of funding earning assets | 0.4933% | 2,219 |
| Net interest margin | 3.5011% | 3,520 |
| Noninterest income to average assets | 0.5856% | 2,801 |
| Noninterest expense to average assets | 2.5950% | 3,942 |
| Loan and lease loss provision to assets | 0.7382% | 134 |
| Net operating income to assets | 0.4592% | 4,846 |
| Return on assets (ROA) | 0.4592% | 4,927 |
| Pretax return on assets | 0.4837% | 5,146 |
| Return on Equity (ROE) | 3.7470% | 5,048 |
| Retained earnings to average equity (ytd only) | 1.6417% | 4,791 |
| Net charge-offs to loans | 1.4595% | 108 |
| Credit loss provision to net charge-offs | 93.7759% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.5523% | 4,065 |
| Efficiency ratio | 66.9262% | 3,764 |
| Assets per employee ($millions) | 6.6503% | 1,025 |
| Cash dividends to net income (ytd only)* | 56.1878% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 4,073 |
| Loan loss allowance to noncurrent loans | 122.0305% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 3,340 |
| Noncurrent loans to loans | 0.8983% | 2,542 |
| Net loans and leases to total assets | 51.9761% | 4,698 |
| Net loans and leases to deposits | 61.4213% | 4,673 |
| Net loans and leases to core deposits | 65.9302% | 4,600 |
| Total domestic deposits to total assets | 84.6223% | 3,245 |
| Equity capital to assets | 11.6730% | 2,213 |
| Core capital (leverage) ratio | 10.5816% | 2,843 |
| Tier 1 risk-based capital ratio | 16.3560% | 2,545 |
| Total risk-based capital ratio | 17.2713% | 2,620 |
| Memoranda: | ||
| Average total assets | $306,161,600 | 2,117 |
| Average earning assets | $282,570,800 | 2,120 |
| Average equity | $37,523,000 | 1,906 |
| Average total loans | $165,121,400 | 2,398 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 3,241 |
| Cost of funding earning assets | 0.4835% | 2,375 |
| Net interest margin | 3.5408% | 3,380 |
| Noninterest income to average assets | 0.5947% | 2,772 |
| Noninterest expense to average assets | 2.5830% | 3,936 |
| Loan and lease loss provision to assets | 0.8429% | 80 |
| Net operating income to assets | 0.4402% | 5,009 |
| Return on assets (ROA) | 0.4402% | 5,098 |
| Pretax return on assets | 0.4406% | 5,372 |
| Return on Equity (ROE) | 3.5471% | 5,203 |
| Retained earnings to average equity (ytd only) | 3.3698% | 4,071 |
| Net charge-offs to loans | 1.6498% | 80 |
| Credit loss provision to net charge-offs | 94.1032% | 2,407 |
| Earnings coverage of net charge-offs (x) | 1.4329% | 3,838 |
| Efficiency ratio | 65.7445% | 3,937 |
| Assets per employee ($millions) | 6.1929% | 1,245 |
| Cash dividends to net income (ytd only)* | 5.0004% | 3,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 4,103 |
| Loan loss allowance to noncurrent loans | 48.3571% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 1.3864% | 1,659 |
| Noncurrent loans to loans | 2.3190% | 916 |
| Net loans and leases to total assets | 53.2209% | 4,648 |
| Net loans and leases to deposits | 63.1039% | 4,634 |
| Net loans and leases to core deposits | 68.0439% | 4,533 |
| Total domestic deposits to total assets | 84.3386% | 3,288 |
| Equity capital to assets | 12.2249% | 1,933 |
| Core capital (leverage) ratio | 11.0176% | 2,471 |
| Tier 1 risk-based capital ratio | 16.9728% | 2,388 |
| Total risk-based capital ratio | 17.9244% | 2,449 |
| Memoranda: | ||
| Average total assets | $302,898,000 | 2,146 |
| Average earning assets | $279,889,250 | 2,149 |
| Average equity | $37,588,250 | 1,918 |
| Average total loans | $164,463,000 | 2,430 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0449% | 3,102 |
| Cost of funding earning assets | 0.4727% | 2,489 |
| Net interest margin | 3.5722% | 3,199 |
| Noninterest income to average assets | 0.5907% | 2,791 |
| Noninterest expense to average assets | 2.5804% | 3,977 |
| Loan and lease loss provision to assets | 0.1397% | 1,561 |
| Net operating income to assets | 0.8967% | 2,892 |
| Return on assets (ROA) | 0.8967% | 3,019 |
| Pretax return on assets | 1.1681% | 2,905 |
| Return on Equity (ROE) | 7.1894% | 3,494 |
| Retained earnings to average equity (ytd only) | 6.9227% | 1,732 |
| Net charge-offs to loans | 0.1075% | 1,921 |
| Credit loss provision to net charge-offs | 238.6364% | 1,083 |
| Earnings coverage of net charge-offs (x) | 22.3409% | 1,647 |
| Efficiency ratio | 65.3037% | 4,129 |
| Assets per employee ($millions) | 5.7857% | 1,508 |
| Cash dividends to net income (ytd only)* | 3.7092% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 3,370 |
| Loan loss allowance to noncurrent loans | 34.3085% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 2.2157% | 937 |
| Noncurrent loans to loans | 3.7162% | 456 |
| Net loans and leases to total assets | 54.3326% | 4,518 |
| Net loans and leases to deposits | 64.4585% | 4,492 |
| Net loans and leases to core deposits | 69.5303% | 4,365 |
| Total domestic deposits to total assets | 84.2908% | 3,455 |
| Equity capital to assets | 12.5485% | 1,634 |
| Core capital (leverage) ratio | 11.3214% | 2,146 |
| Tier 1 risk-based capital ratio | 17.6358% | 2,178 |
| Total risk-based capital ratio | 18.7414% | 2,179 |
| Memoranda: | ||
| Average total assets | $300,648,330 | 2,182 |
| Average earning assets | $277,533,670 | 2,181 |
| Average equity | $37,499,670 | 1,930 |
| Average total loans | $163,728,670 | 2,443 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1381% | 2,680 |
| Cost of funding earning assets | 0.4506% | 2,763 |
| Net interest margin | 3.6874% | 2,666 |
| Noninterest income to average assets | 0.5696% | 2,835 |
| Noninterest expense to average assets | 2.5780% | 4,006 |
| Loan and lease loss provision to assets | 0.1397% | 1,473 |
| Net operating income to assets | 0.9090% | 2,701 |
| Return on assets (ROA) | 0.9090% | 2,826 |
| Pretax return on assets | 1.2497% | 2,466 |
| Return on Equity (ROE) | 7.3101% | 3,325 |
| Retained earnings to average equity (ytd only) | 7.0425% | 1,996 |
| Net charge-offs to loans | -0.1155% | 5,907 |
| Credit loss provision to net charge-offs | -223.4043% | 4,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9383% | 4,496 |
| Assets per employee ($millions) | 5.6937% | 1,633 |
| Cash dividends to net income (ytd only)* | 3.6603% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 3,401 |
| Loan loss allowance to noncurrent loans | 33.3749% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 2.3167% | 963 |
| Noncurrent loans to loans | 3.8958% | 453 |
| Net loans and leases to total assets | 53.8571% | 4,463 |
| Net loans and leases to deposits | 64.3374% | 4,336 |
| Net loans and leases to core deposits | 68.5114% | 4,285 |
| Total domestic deposits to total assets | 83.7105% | 3,930 |
| Equity capital to assets | 12.5468% | 1,668 |
| Core capital (leverage) ratio | 11.2501% | 2,192 |
| Tier 1 risk-based capital ratio | 17.5181% | 2,293 |
| Total risk-based capital ratio | 18.6541% | 2,290 |
| Memoranda: | ||
| Average total assets | $300,544,500 | 2,193 |
| Average earning assets | $276,940,000 | 2,197 |
| Average equity | $37,373,000 | 1,948 |
| Average total loans | $162,806,000 | 2,462 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1115% | 3,286 |
| Cost of funding earning assets | 0.4730% | 2,953 |
| Net interest margin | 3.6385% | 3,262 |
| Noninterest income to average assets | 0.6755% | 2,429 |
| Noninterest expense to average assets | 2.7846% | 3,544 |
| Loan and lease loss provision to assets | 0.1842% | 1,393 |
| Net operating income to assets | 0.7853% | 3,444 |
| Return on assets (ROA) | 0.8070% | 3,430 |
| Pretax return on assets | 1.0807% | 3,163 |
| Return on Equity (ROE) | 6.4956% | 3,902 |
| Retained earnings to average equity (ytd only) | 3.1425% | 4,000 |
| Net charge-offs to loans | 0.5240% | 778 |
| Credit loss provision to net charge-offs | 63.6147% | 3,217 |
| Earnings coverage of net charge-offs (x) | 4.2687% | 3,696 |
| Efficiency ratio | 68.1966% | 3,867 |
| Assets per employee ($millions) | 5.8691% | 1,474 |
| Cash dividends to net income (ytd only)* | 51.6212% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 3,790 |
| Loan loss allowance to noncurrent loans | 45.2560% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 1.6624% | 1,616 |
| Noncurrent loans to loans | 2.7307% | 890 |
| Net loans and leases to total assets | 53.1063% | 4,675 |
| Net loans and leases to deposits | 65.1443% | 4,417 |
| Net loans and leases to core deposits | 67.6106% | 4,544 |
| Total domestic deposits to total assets | 81.5210% | 4,588 |
| Equity capital to assets | 12.3224% | 1,758 |
| Core capital (leverage) ratio | 10.6894% | 2,729 |
| Tier 1 risk-based capital ratio | 16.6933% | 2,641 |
| Total risk-based capital ratio | 17.7700% | 2,655 |
| Memoranda: | ||
| Average total assets | $290,451,800 | 2,210 |
| Average earning assets | $267,033,600 | 2,220 |
| Average equity | $36,086,200 | 1,949 |
| Average total loans | $160,487,800 | 2,416 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 3,168 |
| Cost of funding earning assets | 0.4814% | 2,945 |
| Net interest margin | 3.6686% | 3,160 |
| Noninterest income to average assets | 0.6804% | 2,420 |
| Noninterest expense to average assets | 2.8448% | 3,307 |
| Loan and lease loss provision to assets | 0.1781% | 1,381 |
| Net operating income to assets | 0.7707% | 3,562 |
| Return on assets (ROA) | 0.7998% | 3,520 |
| Pretax return on assets | 1.0662% | 3,316 |
| Return on Equity (ROE) | 6.4238% | 4,020 |
| Retained earnings to average equity (ytd only) | 5.3240% | 2,872 |
| Net charge-offs to loans | 0.5063% | 761 |
| Credit loss provision to net charge-offs | 63.2184% | 2,887 |
| Earnings coverage of net charge-offs (x) | 4.2791% | 3,492 |
| Efficiency ratio | 69.1754% | 3,643 |
| Assets per employee ($millions) | 5.0401% | 2,197 |
| Cash dividends to net income (ytd only)* | 17.1198% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 3,634 |
| Loan loss allowance to noncurrent loans | 38.8118% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 1.9392% | 1,501 |
| Noncurrent loans to loans | 3.3545% | 738 |
| Net loans and leases to total assets | 54.6494% | 4,498 |
| Net loans and leases to deposits | 66.4434% | 4,285 |
| Net loans and leases to core deposits | 69.8770% | 4,331 |
| Total domestic deposits to total assets | 82.2496% | 4,395 |
| Equity capital to assets | 12.8274% | 1,510 |
| Core capital (leverage) ratio | 11.0128% | 2,473 |
| Tier 1 risk-based capital ratio | 17.1518% | 2,547 |
| Total risk-based capital ratio | 18.2938% | 2,551 |
| Memoranda: | ||
| Average total assets | $288,233,750 | 2,236 |
| Average earning assets | $264,761,500 | 2,252 |
| Average equity | $35,886,750 | 1,965 |
| Average total loans | $160,372,500 | 2,441 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2011% | 2,947 |
| Cost of funding earning assets | 0.4913% | 2,916 |
| Net interest margin | 3.7098% | 2,921 |
| Noninterest income to average assets | 0.7077% | 2,247 |
| Noninterest expense to average assets | 2.8640% | 3,295 |
| Loan and lease loss provision to assets | 0.1802% | 1,364 |
| Net operating income to assets | 0.7907% | 3,374 |
| Return on assets (ROA) | 0.8338% | 3,251 |
| Pretax return on assets | 1.1235% | 2,999 |
| Return on Equity (ROE) | 6.7650% | 3,739 |
| Retained earnings to average equity (ytd only) | 5.1061% | 2,894 |
| Net charge-offs to loans | 0.6505% | 594 |
| Credit loss provision to net charge-offs | 49.7132% | 2,798 |
| Earnings coverage of net charge-offs (x) | 3.4359% | 3,310 |
| Efficiency ratio | 68.6456% | 3,889 |
| Assets per employee ($millions) | 5.0679% | 2,132 |
| Cash dividends to net income (ytd only)* | 24.5220% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 4,035 |
| Loan loss allowance to noncurrent loans | 34.1169% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 2.2318% | 1,355 |
| Noncurrent loans to loans | 3.7186% | 676 |
| Net loans and leases to total assets | 54.7426% | 4,445 |
| Net loans and leases to deposits | 65.2976% | 4,350 |
| Net loans and leases to core deposits | 68.9745% | 4,362 |
| Total domestic deposits to total assets | 83.8356% | 3,978 |
| Equity capital to assets | 12.5970% | 1,583 |
| Core capital (leverage) ratio | 10.7871% | 2,636 |
| Tier 1 risk-based capital ratio | 16.8181% | 2,701 |
| Total risk-based capital ratio | 17.9368% | 2,714 |
| Memoranda: | ||
| Average total assets | $288,550,330 | 2,237 |
| Average earning assets | $264,598,330 | 2,247 |
| Average equity | $35,565,330 | 1,967 |
| Average total loans | $160,806,670 | 2,437 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1343% | 3,154 |
| Cost of funding earning assets | 0.4976% | 2,931 |
| Net interest margin | 3.6367% | 3,111 |
| Noninterest income to average assets | 0.6352% | 2,545 |
| Noninterest expense to average assets | 2.7574% | 3,722 |
| Loan and lease loss provision to assets | 0.2081% | 1,110 |
| Net operating income to assets | 0.7543% | 3,394 |
| Return on assets (ROA) | 0.8405% | 3,023 |
| Pretax return on assets | 1.1318% | 2,762 |
| Return on Equity (ROE) | 6.8955% | 3,528 |
| Retained earnings to average equity (ytd only) | 4.6084% | 3,354 |
| Net charge-offs to loans | 0.6380% | 581 |
| Credit loss provision to net charge-offs | 58.3658% | 2,123 |
| Earnings coverage of net charge-offs (x) | 3.4319% | 2,686 |
| Efficiency ratio | 68.1882% | 4,148 |
| Assets per employee ($millions) | 5.0394% | 2,205 |
| Cash dividends to net income (ytd only)* | 33.1683% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 3,856 |
| Loan loss allowance to noncurrent loans | 51.8115% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 1.9081% | 1,802 |
| Noncurrent loans to loans | 2.6032% | 1,322 |
| Net loans and leases to total assets | 55.7139% | 4,182 |
| Net loans and leases to deposits | 67.0525% | 3,966 |
| Net loans and leases to core deposits | 69.1965% | 4,183 |
| Total domestic deposits to total assets | 83.0899% | 4,580 |
| Equity capital to assets | 12.3388% | 1,665 |
| Core capital (leverage) ratio | 10.6862% | 2,719 |
| Tier 1 risk-based capital ratio | 16.4503% | 2,920 |
| Total risk-based capital ratio | 17.6494% | 2,919 |
| Memoranda: | ||
| Average total assets | $288,390,500 | 2,244 |
| Average earning assets | $265,292,000 | 2,250 |
| Average equity | $35,153,500 | 1,976 |
| Average total loans | $161,126,500 | 2,445 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 3,284 |
| Cost of funding earning assets | 0.5718% | 2,909 |
| Net interest margin | 3.6442% | 3,267 |
| Noninterest income to average assets | 0.7214% | 2,424 |
| Noninterest expense to average assets | 2.7281% | 3,997 |
| Loan and lease loss provision to assets | 0.1801% | 2,046 |
| Net operating income to assets | 0.8492% | 3,039 |
| Return on assets (ROA) | 0.8846% | 2,945 |
| Pretax return on assets | 1.1873% | 2,631 |
| Return on Equity (ROE) | 7.1767% | 3,469 |
| Retained earnings to average equity (ytd only) | 1.7292% | 5,010 |
| Net charge-offs to loans | 0.4872% | 1,367 |
| Credit loss provision to net charge-offs | 69.7333% | 3,314 |
| Earnings coverage of net charge-offs (x) | 5.1120% | 3,380 |
| Efficiency ratio | 66.3349% | 4,504 |
| Assets per employee ($millions) | 5.0795% | 2,095 |
| Cash dividends to net income (ytd only)* | 75.9050% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 3,491 |
| Loan loss allowance to noncurrent loans | 50.9887% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 2.0537% | 1,748 |
| Noncurrent loans to loans | 2.8126% | 1,253 |
| Net loans and leases to total assets | 54.4784% | 4,528 |
| Net loans and leases to deposits | 66.4103% | 4,253 |
| Net loans and leases to core deposits | 68.5706% | 4,443 |
| Total domestic deposits to total assets | 82.0331% | 4,861 |
| Equity capital to assets | 12.0415% | 1,775 |
| Core capital (leverage) ratio | 10.3884% | 3,036 |
| Tier 1 risk-based capital ratio | 16.3867% | 2,908 |
| Total risk-based capital ratio | 17.6371% | 2,864 |
| Memoranda: | ||
| Average total assets | $290,417,400 | 2,206 |
| Average earning assets | $265,132,400 | 2,219 |
| Average equity | $35,796,200 | 1,924 |
| Average total loans | $153,946,200 | 2,506 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 3,330 |
| Cost of funding earning assets | 0.5922% | 2,877 |
| Net interest margin | 3.6231% | 3,345 |
| Noninterest income to average assets | 0.7303% | 2,456 |
| Noninterest expense to average assets | 2.7406% | 3,865 |
| Loan and lease loss provision to assets | 0.1986% | 1,828 |
| Net operating income to assets | 0.8170% | 3,263 |
| Return on assets (ROA) | 0.8569% | 3,174 |
| Pretax return on assets | 1.1423% | 2,937 |
| Return on Equity (ROE) | 6.9127% | 3,703 |
| Retained earnings to average equity (ytd only) | 1.0843% | 5,544 |
| Net charge-offs to loans | 0.5362% | 1,190 |
| Credit loss provision to net charge-offs | 70.6362% | 3,058 |
| Earnings coverage of net charge-offs (x) | 4.5791% | 3,406 |
| Efficiency ratio | 66.9741% | 4,308 |
| Assets per employee ($millions) | 5.0202% | 2,140 |
| Cash dividends to net income (ytd only)* | 84.3150% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 3,455 |
| Loan loss allowance to noncurrent loans | 77.9887% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.5970% | 2,550 |
| Noncurrent loans to loans | 1.9230% | 2,334 |
| Net loans and leases to total assets | 52.8269% | 4,773 |
| Net loans and leases to deposits | 63.0070% | 4,630 |
| Net loans and leases to core deposits | 64.9050% | 4,810 |
| Total domestic deposits to total assets | 83.8429% | 4,259 |
| Equity capital to assets | 11.9589% | 1,942 |
| Core capital (leverage) ratio | 10.3565% | 3,161 |
| Tier 1 risk-based capital ratio | 16.5705% | 2,911 |
| Total risk-based capital ratio | 17.8214% | 2,876 |
| Memoranda: | ||
| Average total assets | $290,638,500 | 2,212 |
| Average earning assets | $264,554,750 | 2,228 |
| Average equity | $36,029,250 | 1,928 |
| Average total loans | $152,425,750 | 2,533 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2129% | 3,310 |
| Cost of funding earning assets | 0.6062% | 2,883 |
| Net interest margin | 3.6067% | 3,330 |
| Noninterest income to average assets | 0.7409% | 2,455 |
| Noninterest expense to average assets | 2.7315% | 3,922 |
| Loan and lease loss provision to assets | 0.2362% | 1,574 |
| Net operating income to assets | 0.7918% | 3,339 |
| Return on assets (ROA) | 0.8518% | 3,185 |
| Pretax return on assets | 1.1347% | 2,951 |
| Return on Equity (ROE) | 6.7907% | 3,726 |
| Retained earnings to average equity (ytd only) | 6.5162% | 2,130 |
| Net charge-offs to loans | 0.4868% | 1,351 |
| Credit loss provision to net charge-offs | 93.2065% | 2,370 |
| Earnings coverage of net charge-offs (x) | 5.0951% | 2,966 |
| Efficiency ratio | 66.8435% | 4,389 |
| Assets per employee ($millions) | 4.9996% | 2,117 |
| Cash dividends to net income (ytd only)* | 4.0420% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 2,962 |
| Loan loss allowance to noncurrent loans | 104.6083% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.4892% | 2,870 |
| Noncurrent loans to loans | 1.5822% | 2,937 |
| Net loans and leases to total assets | 52.0635% | 4,855 |
| Net loans and leases to deposits | 62.7888% | 4,654 |
| Net loans and leases to core deposits | 64.5062% | 4,840 |
| Total domestic deposits to total assets | 82.9184% | 4,728 |
| Equity capital to assets | 12.6441% | 1,500 |
| Core capital (leverage) ratio | 10.7213% | 2,647 |
| Tier 1 risk-based capital ratio | 17.4335% | 2,540 |
| Total risk-based capital ratio | 18.6858% | 2,511 |
| Memoranda: | ||
| Average total assets | $290,460,670 | 2,223 |
| Average earning assets | $264,285,000 | 2,230 |
| Average equity | $36,432,000 | 1,918 |
| Average total loans | $151,181,330 | 2,553 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1397% | 3,560 |
| Cost of funding earning assets | 0.6102% | 3,009 |
| Net interest margin | 3.5295% | 3,576 |
| Noninterest income to average assets | 0.7258% | 2,450 |
| Noninterest expense to average assets | 2.6862% | 4,122 |
| Loan and lease loss provision to assets | 0.2660% | 1,333 |
| Net operating income to assets | 0.7342% | 3,513 |
| Return on assets (ROA) | 0.8513% | 3,034 |
| Pretax return on assets | 1.1432% | 2,799 |
| Return on Equity (ROE) | 6.8138% | 3,590 |
| Retained earnings to average equity (ytd only) | 6.8138% | 2,250 |
| Net charge-offs to loans | 0.7401% | 822 |
| Credit loss provision to net charge-offs | 69.6429% | 2,298 |
| Earnings coverage of net charge-offs (x) | 3.2750% | 2,803 |
| Efficiency ratio | 67.1518% | 4,466 |
| Assets per employee ($millions) | 5.2607% | 1,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6194% | 3,319 |
| Loan loss allowance to noncurrent loans | 66.5302% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 1.9296% | 2,429 |
| Noncurrent loans to loans | 2.4341% | 2,117 |
| Net loans and leases to total assets | 51.1689% | 4,813 |
| Net loans and leases to deposits | 61.5095% | 4,612 |
| Net loans and leases to core deposits | 63.2932% | 4,816 |
| Total domestic deposits to total assets | 83.1885% | 4,799 |
| Equity capital to assets | 12.7197% | 1,580 |
| Core capital (leverage) ratio | 10.3860% | 2,921 |
| Tier 1 risk-based capital ratio | 16.7715% | 2,875 |
| Total risk-based capital ratio | 18.0232% | 2,838 |
| Memoranda: | ||
| Average total assets | $293,201,500 | 2,233 |
| Average earning assets | $266,782,500 | 2,240 |
| Average equity | $36,631,500 | 1,931 |
| Average total loans | $151,338,500 | 2,563 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3812% | 3,892 |
| Cost of funding earning assets | 0.7127% | 3,387 |
| Net interest margin | 3.6686% | 3,788 |
| Noninterest income to average assets | 0.6855% | 2,796 |
| Noninterest expense to average assets | 2.5886% | 4,778 |
| Loan and lease loss provision to assets | 0.2892% | 2,354 |
| Net operating income to assets | 0.8660% | 2,980 |
| Return on assets (ROA) | 0.8701% | 3,199 |
| Pretax return on assets | 1.1600% | 2,951 |
| Return on Equity (ROE) | 6.9428% | 3,676 |
| Retained earnings to average equity (ytd only) | 1.9055% | 4,882 |
| Net charge-offs to loans | 0.6285% | 1,865 |
| Credit loss provision to net charge-offs | 90.9385% | 3,433 |
| Earnings coverage of net charge-offs (x) | 4.5394% | 3,333 |
| Efficiency ratio | 63.1413% | 5,049 |
| Assets per employee ($millions) | 5.4012% | 1,782 |
| Cash dividends to net income (ytd only)* | 72.5552% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6571% | 3,093 |
| Loan loss allowance to noncurrent loans | 68.3469% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 1.8942% | 2,578 |
| Noncurrent loans to loans | 2.4246% | 2,194 |
| Net loans and leases to total assets | 50.3819% | 5,116 |
| Net loans and leases to deposits | 60.9386% | 4,919 |
| Net loans and leases to core deposits | 62.5994% | 5,098 |
| Total domestic deposits to total assets | 82.6765% | 4,859 |
| Equity capital to assets | 12.2734% | 1,874 |
| Core capital (leverage) ratio | 10.0379% | 3,352 |
| Tier 1 risk-based capital ratio | 16.2594% | 3,021 |
| Total risk-based capital ratio | 17.4610% | 2,996 |
| Memoranda: | ||
| Average total assets | $291,465,200 | 2,191 |
| Average earning assets | $265,906,400 | 2,188 |
| Average equity | $36,526,800 | 1,898 |
| Average total loans | $147,486,600 | 2,612 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4161% | 3,984 |
| Cost of funding earning assets | 0.7348% | 3,480 |
| Net interest margin | 3.6813% | 3,874 |
| Noninterest income to average assets | 0.6656% | 2,899 |
| Noninterest expense to average assets | 2.5833% | 4,795 |
| Loan and lease loss provision to assets | 0.2689% | 2,426 |
| Net operating income to assets | 0.8779% | 3,091 |
| Return on assets (ROA) | 0.8821% | 3,309 |
| Pretax return on assets | 1.1813% | 3,056 |
| Return on Equity (ROE) | 7.0015% | 3,816 |
| Retained earnings to average equity (ytd only) | 1.2369% | 5,681 |
| Net charge-offs to loans | 0.6060% | 1,820 |
| Credit loss provision to net charge-offs | 87.9699% | 3,360 |
| Earnings coverage of net charge-offs (x) | 4.7263% | 3,221 |
| Efficiency ratio | 63.0720% | 4,965 |
| Assets per employee ($millions) | 5.3380% | 1,800 |
| Cash dividends to net income (ytd only)* | 82.3345% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7041% | 3,135 |
| Loan loss allowance to noncurrent loans | 70.3425% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.7599% | 2,970 |
| Noncurrent loans to loans | 2.4226% | 2,374 |
| Net loans and leases to total assets | 49.6291% | 5,357 |
| Net loans and leases to deposits | 59.5276% | 5,255 |
| Net loans and leases to core deposits | 61.1671% | 5,439 |
| Total domestic deposits to total assets | 83.3716% | 4,495 |
| Equity capital to assets | 12.4481% | 1,931 |
| Core capital (leverage) ratio | 9.9270% | 3,656 |
| Tier 1 risk-based capital ratio | 16.1354% | 3,202 |
| Total risk-based capital ratio | 17.3880% | 3,172 |
| Memoranda: | ||
| Average total assets | $290,065,250 | 2,230 |
| Average earning assets | $264,934,500 | 2,227 |
| Average equity | $36,543,500 | 1,920 |
| Average total loans | $146,311,000 | 2,657 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4467% | 3,994 |
| Cost of funding earning assets | 0.7582% | 3,537 |
| Net interest margin | 3.6885% | 3,880 |
| Noninterest income to average assets | 0.6750% | 2,804 |
| Noninterest expense to average assets | 2.5304% | 5,041 |
| Loan and lease loss provision to assets | 0.3115% | 2,118 |
| Net operating income to assets | 0.8919% | 2,949 |
| Return on assets (ROA) | 0.8924% | 3,209 |
| Pretax return on assets | 1.2018% | 2,917 |
| Return on Equity (ROE) | 7.0548% | 3,751 |
| Retained earnings to average equity (ytd only) | 6.7811% | 2,228 |
| Net charge-offs to loans | 0.3913% | 2,455 |
| Credit loss provision to net charge-offs | 157.8947% | 1,759 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,441 |
| Efficiency ratio | 61.5240% | 5,324 |
| Assets per employee ($millions) | 5.3128% | 1,809 |
| Cash dividends to net income (ytd only)* | 3.8790% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8945% | 2,579 |
| Loan loss allowance to noncurrent loans | 73.5208% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.9011% | 2,903 |
| Noncurrent loans to loans | 2.5768% | 2,334 |
| Net loans and leases to total assets | 49.1090% | 5,470 |
| Net loans and leases to deposits | 59.0986% | 5,326 |
| Net loans and leases to core deposits | 60.6088% | 5,532 |
| Total domestic deposits to total assets | 83.0967% | 4,717 |
| Equity capital to assets | 12.7480% | 1,660 |
| Core capital (leverage) ratio | 10.2830% | 3,065 |
| Tier 1 risk-based capital ratio | 16.6779% | 2,815 |
| Total risk-based capital ratio | 17.9318% | 2,767 |
| Memoranda: | ||
| Average total assets | $288,891,000 | 2,242 |
| Average earning assets | $263,790,330 | 2,231 |
| Average equity | $36,542,670 | 1,907 |
| Average total loans | $145,671,000 | 2,677 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5090% | 3,877 |
| Cost of funding earning assets | 0.7749% | 3,659 |
| Net interest margin | 3.7341% | 3,678 |
| Noninterest income to average assets | 0.6615% | 2,860 |
| Noninterest expense to average assets | 2.5122% | 5,110 |
| Loan and lease loss provision to assets | 0.3133% | 2,000 |
| Net operating income to assets | 0.9195% | 2,828 |
| Return on assets (ROA) | 0.9205% | 3,034 |
| Pretax return on assets | 1.2464% | 2,740 |
| Return on Equity (ROE) | 7.3061% | 3,604 |
| Retained earnings to average equity (ytd only) | 7.0298% | 2,424 |
| Net charge-offs to loans | 0.0936% | 3,586 |
| Credit loss provision to net charge-offs | 661.7647% | 525 |
| Earnings coverage of net charge-offs (x) | 32.9118% | 859 |
| Efficiency ratio | 60.6569% | 5,514 |
| Assets per employee ($millions) | 5.4578% | 1,734 |
| Cash dividends to net income (ytd only)* | 3.7821% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9157% | 2,632 |
| Loan loss allowance to noncurrent loans | 76.3373% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.8132% | 3,155 |
| Noncurrent loans to loans | 2.5095% | 2,600 |
| Net loans and leases to total assets | 49.5072% | 5,370 |
| Net loans and leases to deposits | 59.6722% | 5,191 |
| Net loans and leases to core deposits | 61.5651% | 5,372 |
| Total domestic deposits to total assets | 82.9653% | 4,944 |
| Equity capital to assets | 12.6034% | 1,657 |
| Core capital (leverage) ratio | 10.2016% | 3,104 |
| Tier 1 risk-based capital ratio | 16.2645% | 3,039 |
| Total risk-based capital ratio | 17.5189% | 2,993 |
| Memoranda: | ||
| Average total assets | $287,235,000 | 2,266 |
| Average earning assets | $262,230,000 | 2,261 |
| Average equity | $36,189,000 | 1,920 |
| Average total loans | $145,372,000 | 2,696 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7298% | 4,124 |
| Cost of funding earning assets | 0.9380% | 3,806 |
| Net interest margin | 3.7918% | 3,866 |
| Noninterest income to average assets | 0.6856% | 2,687 |
| Noninterest expense to average assets | 2.6395% | 4,964 |
| Loan and lease loss provision to assets | 0.3895% | 2,657 |
| Net operating income to assets | 0.8675% | 2,746 |
| Return on assets (ROA) | 0.8940% | 2,761 |
| Pretax return on assets | 1.1757% | 2,547 |
| Return on Equity (ROE) | 7.5257% | 3,135 |
| Retained earnings to average equity (ytd only) | 6.1585% | 1,923 |
| Net charge-offs to loans | 0.9562% | 1,807 |
| Credit loss provision to net charge-offs | 80.0995% | 4,442 |
| Earnings coverage of net charge-offs (x) | 3.1471% | 3,636 |
| Efficiency ratio | 62.2742% | 5,416 |
| Assets per employee ($millions) | 5.4848% | 1,648 |
| Cash dividends to net income (ytd only)* | 18.1678% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8005% | 2,870 |
| Loan loss allowance to noncurrent loans | 45.8641% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 2.5922% | 2,344 |
| Noncurrent loans to loans | 3.9256% | 1,597 |
| Net loans and leases to total assets | 49.8357% | 5,604 |
| Net loans and leases to deposits | 60.7152% | 5,405 |
| Net loans and leases to core deposits | 62.6852% | 5,579 |
| Total domestic deposits to total assets | 82.0811% | 5,103 |
| Equity capital to assets | 12.5947% | 1,750 |
| Core capital (leverage) ratio | 9.8486% | 3,520 |
| Tier 1 risk-based capital ratio | 15.8995% | 3,092 |
| Total risk-based capital ratio | 17.1520% | 3,058 |
| Memoranda: | ||
| Average total assets | $289,367,800 | 2,198 |
| Average earning assets | $265,888,800 | 2,197 |
| Average equity | $34,375,400 | 1,947 |
| Average total loans | $147,143,400 | 2,680 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7538% | 4,211 |
| Cost of funding earning assets | 0.9724% | 3,866 |
| Net interest margin | 3.7814% | 3,959 |
| Noninterest income to average assets | 0.6712% | 2,765 |
| Noninterest expense to average assets | 2.6472% | 4,917 |
| Loan and lease loss provision to assets | 0.4348% | 2,304 |
| Net operating income to assets | 0.8196% | 3,062 |
| Return on assets (ROA) | 0.8553% | 3,073 |
| Pretax return on assets | 1.1152% | 2,943 |
| Return on Equity (ROE) | 7.3081% | 3,377 |
| Retained earnings to average equity (ytd only) | 6.5039% | 2,242 |
| Net charge-offs to loans | 0.9999% | 1,612 |
| Credit loss provision to net charge-offs | 85.4693% | 3,947 |
| Earnings coverage of net charge-offs (x) | 2.9558% | 3,666 |
| Efficiency ratio | 62.7475% | 5,285 |
| Assets per employee ($millions) | 5.0130% | 2,176 |
| Cash dividends to net income (ytd only)* | 11.0039% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9029% | 2,601 |
| Loan loss allowance to noncurrent loans | 37.1658% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 3.0948% | 2,066 |
| Noncurrent loans to loans | 5.1201% | 1,197 |
| Net loans and leases to total assets | 49.1613% | 5,813 |
| Net loans and leases to deposits | 59.7752% | 5,657 |
| Net loans and leases to core deposits | 61.8117% | 5,831 |
| Total domestic deposits to total assets | 82.2437% | 4,992 |
| Equity capital to assets | 12.5075% | 1,915 |
| Core capital (leverage) ratio | 9.6101% | 3,978 |
| Tier 1 risk-based capital ratio | 15.8087% | 3,214 |
| Total risk-based capital ratio | 17.0626% | 3,169 |
| Memoranda: | ||
| Average total assets | $290,408,000 | 2,209 |
| Average earning assets | $267,231,000 | 2,193 |
| Average equity | $33,989,000 | 1,972 |
| Average total loans | $147,744,000 | 2,692 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7947% | 4,116 |
| Cost of funding earning assets | 1.0138% | 3,859 |
| Net interest margin | 3.7809% | 3,889 |
| Noninterest income to average assets | 0.6446% | 2,883 |
| Noninterest expense to average assets | 2.6757% | 4,919 |
| Loan and lease loss provision to assets | 0.3405% | 2,743 |
| Net operating income to assets | 0.8439% | 2,887 |
| Return on assets (ROA) | 0.8871% | 2,803 |
| Pretax return on assets | 1.1700% | 2,601 |
| Return on Equity (ROE) | 7.7532% | 3,073 |
| Retained earnings to average equity (ytd only) | 6.6755% | 2,035 |
| Net charge-offs to loans | 0.5909% | 2,342 |
| Credit loss provision to net charge-offs | 112.6984% | 2,723 |
| Earnings coverage of net charge-offs (x) | 4.8118% | 2,770 |
| Efficiency ratio | 63.7691% | 5,284 |
| Assets per employee ($millions) | 5.1932% | 1,882 |
| Cash dividends to net income (ytd only)* | 13.8996% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0068% | 2,356 |
| Loan loss allowance to noncurrent loans | 44.9847% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 2.3578% | 2,793 |
| Noncurrent loans to loans | 4.4611% | 1,495 |
| Net loans and leases to total assets | 49.3976% | 5,896 |
| Net loans and leases to deposits | 60.6687% | 5,655 |
| Net loans and leases to core deposits | 62.6417% | 5,843 |
| Total domestic deposits to total assets | 81.4218% | 5,382 |
| Equity capital to assets | 11.8957% | 2,167 |
| Core capital (leverage) ratio | 9.4061% | 4,101 |
| Tier 1 risk-based capital ratio | 15.3137% | 3,341 |
| Total risk-based capital ratio | 16.5688% | 3,293 |
| Memoranda: | ||
| Average total assets | $291,963,670 | 2,202 |
| Average earning assets | $269,086,670 | 2,189 |
| Average equity | $33,405,670 | 1,984 |
| Average total loans | $149,259,000 | 2,695 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7803% | 4,149 |
| Cost of funding earning assets | 1.0331% | 3,969 |
| Net interest margin | 3.7472% | 3,853 |
| Noninterest income to average assets | 0.6413% | 2,892 |
| Noninterest expense to average assets | 2.7156% | 4,774 |
| Loan and lease loss provision to assets | 0.3405% | 2,518 |
| Net operating income to assets | 0.7875% | 3,093 |
| Return on assets (ROA) | 0.8737% | 2,744 |
| Pretax return on assets | 1.1554% | 2,535 |
| Return on Equity (ROE) | 7.7901% | 3,009 |
| Retained earnings to average equity (ytd only) | 6.6929% | 2,283 |
| Net charge-offs to loans | 0.5578% | 2,097 |
| Credit loss provision to net charge-offs | 118.5714% | 2,292 |
| Earnings coverage of net charge-offs (x) | 4.8143% | 2,393 |
| Efficiency ratio | 65.2319% | 5,163 |
| Assets per employee ($millions) | 5.3315% | 1,738 |
| Cash dividends to net income (ytd only)* | 14.0845% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9488% | 2,547 |
| Loan loss allowance to noncurrent loans | 43.5722% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 2.3786% | 2,868 |
| Noncurrent loans to loans | 4.4726% | 1,568 |
| Net loans and leases to total assets | 50.1869% | 5,824 |
| Net loans and leases to deposits | 59.6929% | 5,752 |
| Net loans and leases to core deposits | 62.2654% | 5,900 |
| Total domestic deposits to total assets | 84.0752% | 4,463 |
| Equity capital to assets | 11.3445% | 2,383 |
| Core capital (leverage) ratio | 9.1897% | 4,307 |
| Tier 1 risk-based capital ratio | 14.5722% | 3,692 |
| Total risk-based capital ratio | 15.8269% | 3,649 |
| Memoranda: | ||
| Average total assets | $292,535,500 | 2,207 |
| Average earning assets | $269,855,500 | 2,199 |
| Average equity | $32,811,000 | 1,999 |
| Average total loans | $150,588,500 | 2,708 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1052% | 4,077 |
| Cost of funding earning assets | 1.3583% | 3,519 |
| Net interest margin | 3.7469% | 4,160 |
| Noninterest income to average assets | 0.6945% | 2,870 |
| Noninterest expense to average assets | 2.6916% | 5,028 |
| Loan and lease loss provision to assets | 0.3916% | 3,767 |
| Net operating income to assets | 0.8014% | 2,796 |
| Return on assets (ROA) | 0.8078% | 2,901 |
| Pretax return on assets | 1.0524% | 2,765 |
| Return on Equity (ROE) | 7.1146% | 3,059 |
| Retained earnings to average equity (ytd only) | 5.2263% | 2,295 |
| Net charge-offs to loans | 0.6025% | 3,224 |
| Credit loss provision to net charge-offs | 125.8174% | 3,233 |
| Earnings coverage of net charge-offs (x) | 4.6122% | 2,868 |
| Efficiency ratio | 64.1612% | 5,323 |
| Assets per employee ($millions) | 5.4044% | 1,670 |
| Cash dividends to net income (ytd only)* | 26.5421% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9102% | 2,534 |
| Loan loss allowance to noncurrent loans | 79.0252% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.3384% | 4,342 |
| Noncurrent loans to loans | 2.4172% | 3,098 |
| Net loans and leases to total assets | 50.7821% | 6,072 |
| Net loans and leases to deposits | 60.5043% | 5,996 |
| Net loans and leases to core deposits | 63.0393% | 6,146 |
| Total domestic deposits to total assets | 83.9314% | 4,388 |
| Equity capital to assets | 11.0870% | 2,612 |
| Core capital (leverage) ratio | 9.0831% | 4,387 |
| Tier 1 risk-based capital ratio | 14.1444% | 3,772 |
| Total risk-based capital ratio | 15.3985% | 3,728 |
| Memoranda: | ||
| Average total assets | $284,957,000 | 2,244 |
| Average earning assets | $261,066,800 | 2,241 |
| Average equity | $32,355,800 | 2,031 |
| Average total loans | $147,231,200 | 2,820 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1766% | 3,956 |
| Cost of funding earning assets | 1.4406% | 3,326 |
| Net interest margin | 3.7360% | 4,247 |
| Noninterest income to average assets | 0.6887% | 2,886 |
| Noninterest expense to average assets | 2.6936% | 4,908 |
| Loan and lease loss provision to assets | 0.3512% | 3,801 |
| Net operating income to assets | 0.7922% | 3,035 |
| Return on assets (ROA) | 0.7922% | 3,200 |
| Pretax return on assets | 1.0596% | 2,967 |
| Return on Equity (ROE) | 6.9352% | 3,376 |
| Retained earnings to average equity (ytd only) | 5.8226% | 2,467 |
| Net charge-offs to loans | 0.1777% | 4,889 |
| Credit loss provision to net charge-offs | 382.5641% | 810 |
| Earnings coverage of net charge-offs (x) | 15.3694% | 1,445 |
| Efficiency ratio | 64.5602% | 5,135 |
| Assets per employee ($millions) | 5.4014% | 1,719 |
| Cash dividends to net income (ytd only)* | 16.0428% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1695% | 1,858 |
| Loan loss allowance to noncurrent loans | 122.8178% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 1.2757% | 4,593 |
| Noncurrent loans to loans | 1.7665% | 3,998 |
| Net loans and leases to total assets | 50.5320% | 6,265 |
| Net loans and leases to deposits | 60.8960% | 6,228 |
| Net loans and leases to core deposits | 63.3866% | 6,345 |
| Total domestic deposits to total assets | 82.9809% | 4,594 |
| Equity capital to assets | 11.6725% | 2,380 |
| Core capital (leverage) ratio | 8.9438% | 4,774 |
| Tier 1 risk-based capital ratio | 14.1820% | 3,703 |
| Total risk-based capital ratio | 15.3834% | 3,709 |
| Memoranda: | ||
| Average total assets | $283,237,000 | 2,293 |
| Average earning assets | $258,952,250 | 2,297 |
| Average equity | $32,355,750 | 2,051 |
| Average total loans | $146,267,250 | 2,867 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1735% | 4,078 |
| Cost of funding earning assets | 1.4989% | 3,267 |
| Net interest margin | 3.6746% | 4,477 |
| Noninterest income to average assets | 0.6860% | 2,782 |
| Noninterest expense to average assets | 2.6872% | 4,963 |
| Loan and lease loss provision to assets | 0.3522% | 3,608 |
| Net operating income to assets | 0.7554% | 3,170 |
| Return on assets (ROA) | 0.7554% | 3,328 |
| Pretax return on assets | 1.0049% | 3,098 |
| Return on Equity (ROE) | 6.6619% | 3,458 |
| Retained earnings to average equity (ytd only) | 5.5370% | 2,590 |
| Net charge-offs to loans | 0.1770% | 4,551 |
| Credit loss provision to net charge-offs | 385.2713% | 942 |
| Earnings coverage of net charge-offs (x) | 14.8450% | 1,497 |
| Efficiency ratio | 65.3583% | 5,093 |
| Assets per employee ($millions) | 5.4012% | 1,709 |
| Cash dividends to net income (ytd only)* | 16.8856% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0825% | 2,005 |
| Loan loss allowance to noncurrent loans | 154.8899% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 1.0927% | 4,949 |
| Noncurrent loans to loans | 1.3445% | 4,697 |
| Net loans and leases to total assets | 49.6867% | 6,463 |
| Net loans and leases to deposits | 59.5511% | 6,453 |
| Net loans and leases to core deposits | 62.0860% | 6,541 |
| Total domestic deposits to total assets | 83.4353% | 4,374 |
| Equity capital to assets | 11.4484% | 2,486 |
| Core capital (leverage) ratio | 8.9247% | 4,716 |
| Tier 1 risk-based capital ratio | 14.8298% | 3,248 |
| Total risk-based capital ratio | 16.0867% | 3,219 |
| Memoranda: | ||
| Average total assets | $282,225,330 | 2,316 |
| Average earning assets | $257,929,330 | 2,327 |
| Average equity | $32,002,670 | 2,060 |
| Average total loans | $145,734,000 | 2,907 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2174% | 3,929 |
| Cost of funding earning assets | 1.5463% | 3,289 |
| Net interest margin | 3.6711% | 4,391 |
| Noninterest income to average assets | 0.6395% | 2,998 |
| Noninterest expense to average assets | 2.7009% | 4,906 |
| Loan and lease loss provision to assets | 0.3555% | 3,245 |
| Net operating income to assets | 0.7095% | 3,395 |
| Return on assets (ROA) | 0.7095% | 3,504 |
| Pretax return on assets | 0.9350% | 3,327 |
| Return on Equity (ROE) | 6.2877% | 3,732 |
| Retained earnings to average equity (ytd only) | 5.1490% | 3,070 |
| Net charge-offs to loans | 0.0959% | 4,456 |
| Credit loss provision to net charge-offs | 711.4286% | 632 |
| Earnings coverage of net charge-offs (x) | 25.8286% | 974 |
| Efficiency ratio | 66.5594% | 4,993 |
| Assets per employee ($millions) | 5.5670% | 1,607 |
| Cash dividends to net income (ytd only)* | 18.1087% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9911% | 2,215 |
| Loan loss allowance to noncurrent loans | 181.5939% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.9844% | 5,176 |
| Noncurrent loans to loans | 1.0965% | 5,165 |
| Net loans and leases to total assets | 49.7744% | 6,484 |
| Net loans and leases to deposits | 59.7718% | 6,490 |
| Net loans and leases to core deposits | 62.5004% | 6,557 |
| Total domestic deposits to total assets | 83.2741% | 4,488 |
| Equity capital to assets | 11.2560% | 2,535 |
| Core capital (leverage) ratio | 8.7959% | 4,862 |
| Tier 1 risk-based capital ratio | 14.6503% | 3,289 |
| Total risk-based capital ratio | 15.9059% | 3,254 |
| Memoranda: | ||
| Average total assets | $280,205,000 | 2,392 |
| Average earning assets | $255,835,500 | 2,393 |
| Average equity | $31,617,500 | 2,104 |
| Average total loans | $145,970,500 | 2,965 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6488% | 3,357 |
| Cost of funding earning assets | 1.9148% | 3,384 |
| Net interest margin | 3.7340% | 3,981 |
| Noninterest income to average assets | 0.6569% | 3,245 |
| Noninterest expense to average assets | 2.6923% | 5,427 |
| Loan and lease loss provision to assets | 0.5658% | 3,548 |
| Net operating income to assets | 0.6340% | 3,201 |
| Return on assets (ROA) | 0.6340% | 3,261 |
| Pretax return on assets | 0.8102% | 3,207 |
| Return on Equity (ROE) | 5.7962% | 3,297 |
| Retained earnings to average equity (ytd only) | 4.0034% | 2,409 |
| Net charge-offs to loans | 0.7270% | 3,016 |
| Credit loss provision to net charge-offs | 137.4217% | 3,581 |
| Earnings coverage of net charge-offs (x) | 3.3420% | 3,389 |
| Efficiency ratio | 65.0267% | 5,578 |
| Assets per employee ($millions) | 5.2168% | 1,932 |
| Cash dividends to net income (ytd only)* | 30.9302% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7983% | 2,551 |
| Loan loss allowance to noncurrent loans | 178.4419% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.9064% | 5,283 |
| Noncurrent loans to loans | 1.0078% | 5,301 |
| Net loans and leases to total assets | 52.4769% | 6,366 |
| Net loans and leases to deposits | 63.3308% | 6,337 |
| Net loans and leases to core deposits | 74.7745% | 6,488 |
| Total domestic deposits to total assets | 82.8616% | 4,577 |
| Equity capital to assets | 11.3121% | 2,455 |
| Core capital (leverage) ratio | 8.7451% | 4,847 |
| Tier 1 risk-based capital ratio | 14.2280% | 3,360 |
| Total risk-based capital ratio | 15.4823% | 3,313 |
| Memoranda: | ||
| Average total assets | $271,294,800 | 2,408 |
| Average earning assets | $247,856,800 | 2,424 |
| Average equity | $29,674,800 | 2,248 |
| Average total loans | $153,636,000 | 2,868 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6894% | 3,396 |
| Cost of funding earning assets | 1.9954% | 3,381 |
| Net interest margin | 3.6941% | 4,103 |
| Noninterest income to average assets | 0.6301% | 3,492 |
| Noninterest expense to average assets | 2.7634% | 5,050 |
| Loan and lease loss provision to assets | 0.3753% | 4,077 |
| Net operating income to assets | 0.6686% | 3,320 |
| Return on assets (ROA) | 0.6686% | 3,380 |
| Pretax return on assets | 0.8676% | 3,330 |
| Return on Equity (ROE) | 6.1668% | 3,457 |
| Retained earnings to average equity (ytd only) | 5.3015% | 2,315 |
| Net charge-offs to loans | 0.4840% | 3,297 |
| Credit loss provision to net charge-offs | 134.9911% | 3,677 |
| Earnings coverage of net charge-offs (x) | 4.4707% | 3,127 |
| Efficiency ratio | 67.7801% | 5,025 |
| Assets per employee ($millions) | 5.3721% | 1,731 |
| Cash dividends to net income (ytd only)* | 14.0326% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 2,988 |
| Loan loss allowance to noncurrent loans | 127.8069% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 1.0807% | 4,916 |
| Noncurrent loans to loans | 1.2519% | 4,853 |
| Net loans and leases to total assets | 53.6300% | 6,429 |
| Net loans and leases to deposits | 64.1892% | 6,475 |
| Net loans and leases to core deposits | 76.4967% | 6,580 |
| Total domestic deposits to total assets | 83.5500% | 3,929 |
| Equity capital to assets | 11.4015% | 2,672 |
| Core capital (leverage) ratio | 8.9100% | 4,794 |
| Tier 1 risk-based capital ratio | 14.0580% | 3,515 |
| Total risk-based capital ratio | 15.3065% | 3,463 |
| Memoranda: | ||
| Average total assets | $269,995,750 | 2,428 |
| Average earning assets | $246,766,500 | 2,455 |
| Average equity | $29,274,250 | 2,304 |
| Average total loans | $155,107,250 | 2,869 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7631% | 3,231 |
| Cost of funding earning assets | 2.1136% | 3,206 |
| Net interest margin | 3.6494% | 4,172 |
| Noninterest income to average assets | 0.6115% | 3,590 |
| Noninterest expense to average assets | 2.7046% | 5,370 |
| Loan and lease loss provision to assets | 0.2923% | 4,231 |
| Net operating income to assets | 0.7224% | 3,158 |
| Return on assets (ROA) | 0.7224% | 3,265 |
| Pretax return on assets | 0.9465% | 3,191 |
| Return on Equity (ROE) | 6.7850% | 3,291 |
| Retained earnings to average equity (ytd only) | 6.0812% | 1,979 |
| Net charge-offs to loans | 0.3652% | 3,357 |
| Credit loss provision to net charge-offs | 136.8421% | 3,414 |
| Earnings coverage of net charge-offs (x) | 5.8000% | 2,758 |
| Efficiency ratio | 67.3508% | 5,285 |
| Assets per employee ($millions) | 5.1836% | 1,881 |
| Cash dividends to net income (ytd only)* | 10.3734% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 3,126 |
| Loan loss allowance to noncurrent loans | 99.2800% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 1.1838% | 4,571 |
| Noncurrent loans to loans | 1.5223% | 4,214 |
| Net loans and leases to total assets | 56.6698% | 6,130 |
| Net loans and leases to deposits | 67.9286% | 6,198 |
| Net loans and leases to core deposits | 80.9910% | 6,322 |
| Total domestic deposits to total assets | 83.4256% | 4,051 |
| Equity capital to assets | 11.3067% | 2,674 |
| Core capital (leverage) ratio | 8.8611% | 4,846 |
| Tier 1 risk-based capital ratio | 13.8065% | 3,624 |
| Total risk-based capital ratio | 15.0582% | 3,564 |
| Memoranda: | ||
| Average total assets | $266,878,000 | 2,470 |
| Average earning assets | $243,655,000 | 2,491 |
| Average equity | $28,415,670 | 2,380 |
| Average total loans | $156,059,330 | 2,888 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7352% | 3,615 |
| Cost of funding earning assets | 2.1825% | 3,251 |
| Net interest margin | 3.5527% | 4,515 |
| Noninterest income to average assets | 0.6206% | 3,407 |
| Noninterest expense to average assets | 2.5563% | 5,625 |
| Loan and lease loss provision to assets | 0.1808% | 4,637 |
| Net operating income to assets | 0.8285% | 3,002 |
| Return on assets (ROA) | 0.8285% | 3,156 |
| Pretax return on assets | 1.1252% | 2,891 |
| Return on Equity (ROE) | 8.0336% | 3,136 |
| Retained earnings to average equity (ytd only) | 8.0336% | 1,802 |
| Net charge-offs to loans | -0.0128% | 7,334 |
| Credit loss provision to net charge-offs | -2,400.0000% | 6,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8596% | 5,528 |
| Assets per employee ($millions) | 4.9973% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 2,878 |
| Loan loss allowance to noncurrent loans | 69.0622% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.4378% | 3,779 |
| Noncurrent loans to loans | 2.1975% | 2,981 |
| Net loans and leases to total assets | 56.8480% | 6,122 |
| Net loans and leases to deposits | 67.0753% | 6,264 |
| Net loans and leases to core deposits | 80.6191% | 6,339 |
| Total domestic deposits to total assets | 84.7524% | 3,325 |
| Equity capital to assets | 10.2819% | 3,668 |
| Core capital (leverage) ratio | 7.9926% | 6,460 |
| Tier 1 risk-based capital ratio | 12.2393% | 4,758 |
| Total risk-based capital ratio | 13.4912% | 4,665 |
| Memoranda: | ||
| Average total assets | $265,542,500 | 2,502 |
| Average earning assets | $242,295,000 | 2,515 |
| Average equity | $27,385,000 | 2,464 |
| Average total loans | $156,540,500 | 2,903 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2512% | 4,231 |
| Cost of funding earning assets | 2.5139% | 4,132 |
| Net interest margin | 3.7373% | 4,295 |
| Noninterest income to average assets | 0.6196% | 3,717 |
| Noninterest expense to average assets | 2.8915% | 4,477 |
| Loan and lease loss provision to assets | 0.5815% | 2,498 |
| Net operating income to assets | 0.4556% | 4,924 |
| Return on assets (ROA) | 0.4584% | 4,736 |
| Pretax return on assets | 0.5120% | 4,943 |
| Return on Equity (ROE) | 4.3070% | 4,678 |
| Retained earnings to average equity (ytd only) | 1.5886% | 4,263 |
| Net charge-offs to loans | 0.6520% | 1,905 |
| Credit loss provision to net charge-offs | 149.4898% | 3,529 |
| Earnings coverage of net charge-offs (x) | 2.8031% | 4,686 |
| Efficiency ratio | 71.1224% | 4,104 |
| Assets per employee ($millions) | 4.9289% | 2,023 |
| Cash dividends to net income (ytd only)* | 63.1169% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 3,062 |
| Loan loss allowance to noncurrent loans | 84.7464% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.1009% | 4,077 |
| Noncurrent loans to loans | 1.6795% | 3,250 |
| Net loans and leases to total assets | 59.3618% | 6,004 |
| Net loans and leases to deposits | 70.8706% | 6,187 |
| Net loans and leases to core deposits | 84.0872% | 6,286 |
| Total domestic deposits to total assets | 83.7608% | 3,453 |
| Equity capital to assets | 10.3448% | 3,673 |
| Core capital (leverage) ratio | 7.9184% | 6,621 |
| Tier 1 risk-based capital ratio | 11.9550% | 4,857 |
| Total risk-based capital ratio | 13.2061% | 4,736 |
| Memoranda: | ||
| Average total assets | $251,948,000 | 2,545 |
| Average earning assets | $226,661,000 | 2,581 |
| Average equity | $26,816,800 | 2,492 |
| Average total loans | $150,308,200 | 2,924 |