Home > Martinsburg Bank and Trust > Performance and Condition Ratios
Martinsburg Bank and Trust, 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 | 3.9201% | 3,657 |
| Cost of funding earning assets | 0.4099% | 3,157 |
| Net interest margin | 3.5102% | 3,489 |
| Noninterest income to average assets | 0.5449% | 2,747 |
| Noninterest expense to average assets | 2.5109% | 3,747 |
| Loan and lease loss provision to assets | -0.0469% | 5,388 |
| Net operating income to assets | 1.3237% | 1,176 |
| Return on assets (ROA) | 1.3411% | 1,162 |
| Pretax return on assets | 1.3411% | 2,209 |
| Return on Equity (ROE) | 9.9299% | 1,919 |
| Retained earnings to average equity (ytd only) | 6.6350% | 1,215 |
| Net charge-offs to loans | -0.0877% | 5,337 |
| Credit loss provision to net charge-offs | 84.4037% | 2,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2899% | 3,206 |
| Assets per employee ($millions) | 4.7901% | 2,746 |
| Cash dividends to net income (ytd only)* | 33.1813% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7090% | 931 |
| Loan loss allowance to noncurrent loans | 3,520.0000% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 4,985 |
| Noncurrent loans to loans | 0.0486% | 4,775 |
| Net loans and leases to total assets | 63.3945% | 3,439 |
| Net loans and leases to deposits | 77.9524% | 3,117 |
| Net loans and leases to core deposits | 79.0554% | 3,499 |
| Total domestic deposits to total assets | 81.3246% | 4,044 |
| Equity capital to assets | 14.1724% | 860 |
| Core capital (leverage) ratio | 13.9710% | 839 |
| Tier 1 risk-based capital ratio | 20.6906% | 1,198 |
| Total risk-based capital ratio | 21.9447% | 1,174 |
| Memoranda: | ||
| Average total assets | $196,188,000 | 2,957 |
| Average earning assets | $181,243,600 | 2,951 |
| Average equity | $26,495,800 | 2,579 |
| Average total loans | $124,338,600 | 2,996 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8708% | 3,765 |
| Cost of funding earning assets | 0.4191% | 2,993 |
| Net interest margin | 3.4516% | 3,672 |
| Noninterest income to average assets | 0.5203% | 2,898 |
| Noninterest expense to average assets | 2.4662% | 3,836 |
| Loan and lease loss provision to assets | -0.0676% | 5,548 |
| Net operating income to assets | 1.3101% | 1,295 |
| Return on assets (ROA) | 1.3101% | 1,335 |
| Pretax return on assets | 1.3101% | 2,436 |
| Return on Equity (ROE) | 9.8184% | 2,199 |
| Retained earnings to average equity (ytd only) | 6.6029% | 1,907 |
| Net charge-offs to loans | -0.1167% | 5,421 |
| Credit loss provision to net charge-offs | 91.7431% | 2,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4966% | 3,123 |
| Assets per employee ($millions) | 4.8807% | 2,597 |
| Cash dividends to net income (ytd only)* | 32.7490% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 1,071 |
| Loan loss allowance to noncurrent loans | 3,393.5484% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 5,082 |
| Noncurrent loans to loans | 0.0495% | 4,888 |
| Net loans and leases to total assets | 61.5648% | 3,707 |
| Net loans and leases to deposits | 78.0482% | 3,157 |
| Net loans and leases to core deposits | 79.4464% | 3,496 |
| Total domestic deposits to total assets | 78.8804% | 4,552 |
| Equity capital to assets | 13.5407% | 1,138 |
| Core capital (leverage) ratio | 13.7551% | 957 |
| Tier 1 risk-based capital ratio | 20.0434% | 1,352 |
| Total risk-based capital ratio | 21.2977% | 1,318 |
| Memoranda: | ||
| Average total assets | $197,333,750 | 2,972 |
| Average earning assets | $182,285,250 | 2,966 |
| Average equity | $26,331,000 | 2,609 |
| Average total loans | $124,528,500 | 3,022 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8254% | 3,806 |
| Cost of funding earning assets | 0.4371% | 2,731 |
| Net interest margin | 3.3883% | 3,812 |
| Noninterest income to average assets | 0.5326% | 2,815 |
| Noninterest expense to average assets | 2.3991% | 4,052 |
| Loan and lease loss provision to assets | 0.0031% | 3,838 |
| Net operating income to assets | 1.2566% | 1,414 |
| Return on assets (ROA) | 1.2566% | 1,440 |
| Pretax return on assets | 1.2566% | 2,548 |
| Return on Equity (ROE) | 9.4646% | 2,291 |
| Retained earnings to average equity (ytd only) | 6.5117% | 1,839 |
| Net charge-offs to loans | -0.0177% | 4,732 |
| Credit loss provision to net charge-offs | -27.2727% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5719% | 3,420 |
| Assets per employee ($millions) | 4.7091% | 2,774 |
| Cash dividends to net income (ytd only)* | 31.1994% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7043% | 1,053 |
| Loan loss allowance to noncurrent loans | 2,775.0000% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 5,097 |
| Noncurrent loans to loans | 0.0614% | 4,879 |
| Net loans and leases to total assets | 61.5016% | 3,687 |
| Net loans and leases to deposits | 78.3969% | 3,077 |
| Net loans and leases to core deposits | 79.3486% | 3,477 |
| Total domestic deposits to total assets | 78.4490% | 4,742 |
| Equity capital to assets | 13.5038% | 1,141 |
| Core capital (leverage) ratio | 13.5216% | 993 |
| Tier 1 risk-based capital ratio | 19.8018% | 1,409 |
| Total risk-based capital ratio | 21.0554% | 1,375 |
| Memoranda: | ||
| Average total assets | $196,409,000 | 2,997 |
| Average earning assets | $181,211,330 | 2,991 |
| Average equity | $26,076,000 | 2,627 |
| Average total loans | $124,271,330 | 3,036 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8071% | 3,749 |
| Cost of funding earning assets | 0.4534% | 2,501 |
| Net interest margin | 3.3537% | 3,828 |
| Noninterest income to average assets | 0.5171% | 2,855 |
| Noninterest expense to average assets | 2.4054% | 4,096 |
| Loan and lease loss provision to assets | -0.0020% | 5,636 |
| Net operating income to assets | 1.1976% | 1,506 |
| Return on assets (ROA) | 1.1976% | 1,546 |
| Pretax return on assets | 1.1976% | 2,608 |
| Return on Equity (ROE) | 9.0994% | 2,363 |
| Retained earnings to average equity (ytd only) | 6.8944% | 1,892 |
| Net charge-offs to loans | -0.0193% | 4,729 |
| Credit loss provision to net charge-offs | 16.6667% | 2,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7991% | 3,367 |
| Assets per employee ($millions) | 4.6873% | 2,865 |
| Cash dividends to net income (ytd only)* | 24.2321% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6998% | 1,142 |
| Loan loss allowance to noncurrent loans | 2,692.3077% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 5,153 |
| Noncurrent loans to loans | 0.0631% | 4,947 |
| Net loans and leases to total assets | 60.2554% | 3,760 |
| Net loans and leases to deposits | 78.3214% | 2,938 |
| Net loans and leases to core deposits | 79.0119% | 3,389 |
| Total domestic deposits to total assets | 76.9335% | 5,123 |
| Equity capital to assets | 12.9431% | 1,278 |
| Core capital (leverage) ratio | 13.2547% | 1,055 |
| Tier 1 risk-based capital ratio | 19.7574% | 1,435 |
| Total risk-based capital ratio | 21.0116% | 1,405 |
| Memoranda: | ||
| Average total assets | $195,722,500 | 3,037 |
| Average earning assets | $179,980,000 | 3,036 |
| Average equity | $25,760,000 | 2,666 |
| Average total loans | $124,533,000 | 3,044 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0492% | 3,021 |
| Cost of funding earning assets | 0.4561% | 2,481 |
| Net interest margin | 3.5931% | 3,088 |
| Noninterest income to average assets | 0.6846% | 2,244 |
| Noninterest expense to average assets | 2.4400% | 4,188 |
| Loan and lease loss provision to assets | 0.0067% | 4,227 |
| Net operating income to assets | 1.5545% | 758 |
| Return on assets (ROA) | 1.5939% | 714 |
| Pretax return on assets | 1.5939% | 1,306 |
| Return on Equity (ROE) | 11.7897% | 1,319 |
| Retained earnings to average equity (ytd only) | 2.6467% | 4,015 |
| Net charge-offs to loans | -0.0039% | 4,774 |
| Credit loss provision to net charge-offs | -260.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9810% | 4,422 |
| Assets per employee ($millions) | 4.4161% | 3,243 |
| Cash dividends to net income (ytd only)* | 77.5504% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6691% | 1,208 |
| Loan loss allowance to noncurrent loans | 2,494.0476% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 5,169 |
| Noncurrent loans to loans | 0.0669% | 4,975 |
| Net loans and leases to total assets | 64.9971% | 3,216 |
| Net loans and leases to deposits | 83.4150% | 2,489 |
| Net loans and leases to core deposits | 84.1165% | 3,013 |
| Total domestic deposits to total assets | 77.9202% | 4,988 |
| Equity capital to assets | 13.3933% | 1,093 |
| Core capital (leverage) ratio | 13.2956% | 1,033 |
| Tier 1 risk-based capital ratio | 19.1501% | 1,559 |
| Total risk-based capital ratio | 20.4036% | 1,521 |
| Memoranda: | ||
| Average total assets | $193,112,200 | 3,032 |
| Average earning assets | $178,256,200 | 3,032 |
| Average equity | $26,107,600 | 2,626 |
| Average total loans | $126,915,000 | 2,963 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0841% | 2,935 |
| Cost of funding earning assets | 0.4511% | 2,553 |
| Net interest margin | 3.6331% | 2,956 |
| Noninterest income to average assets | 0.7288% | 2,048 |
| Noninterest expense to average assets | 2.4120% | 4,251 |
| Loan and lease loss provision to assets | 0.0062% | 4,107 |
| Net operating income to assets | 1.6722% | 629 |
| Return on assets (ROA) | 1.7244% | 602 |
| Pretax return on assets | 1.7244% | 1,051 |
| Return on Equity (ROE) | 12.7260% | 1,122 |
| Retained earnings to average equity (ytd only) | 3.6940% | 3,676 |
| Net charge-offs to loans | 0.0010% | 3,915 |
| Credit loss provision to net charge-offs | 900.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 2,447.0602% | 23 |
| Efficiency ratio | 58.9679% | 4,690 |
| Assets per employee ($millions) | 4.4893% | 3,105 |
| Cash dividends to net income (ytd only)* | 70.9727% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 1,435 |
| Loan loss allowance to noncurrent loans | 4,343.7500% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 5,408 |
| Noncurrent loans to loans | 0.0371% | 5,220 |
| Net loans and leases to total assets | 65.8983% | 3,139 |
| Net loans and leases to deposits | 88.9276% | 1,900 |
| Net loans and leases to core deposits | 89.5038% | 2,623 |
| Total domestic deposits to total assets | 74.1033% | 5,424 |
| Equity capital to assets | 13.6236% | 1,189 |
| Core capital (leverage) ratio | 13.4209% | 1,029 |
| Tier 1 risk-based capital ratio | 18.6486% | 1,748 |
| Total risk-based capital ratio | 19.9013% | 1,716 |
| Memoranda: | ||
| Average total assets | $193,917,000 | 3,031 |
| Average earning assets | $179,421,000 | 3,028 |
| Average equity | $26,276,250 | 2,634 |
| Average total loans | $127,263,750 | 2,963 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0113% | 3,202 |
| Cost of funding earning assets | 0.4509% | 2,557 |
| Net interest margin | 3.5604% | 3,250 |
| Noninterest income to average assets | 0.8012% | 1,708 |
| Noninterest expense to average assets | 2.4015% | 4,330 |
| Loan and lease loss provision to assets | 0.0051% | 3,952 |
| Net operating income to assets | 1.6961% | 583 |
| Return on assets (ROA) | 1.7744% | 527 |
| Pretax return on assets | 1.7744% | 929 |
| Return on Equity (ROE) | 13.1183% | 1,003 |
| Retained earnings to average equity (ytd only) | 9.3952% | 745 |
| Net charge-offs to loans | 0.0063% | 3,468 |
| Credit loss provision to net charge-offs | 125.0000% | 1,802 |
| Earnings coverage of net charge-offs (x) | 413.0000% | 166 |
| Efficiency ratio | 58.5341% | 4,831 |
| Assets per employee ($millions) | 4.5593% | 2,923 |
| Cash dividends to net income (ytd only)* | 28.3807% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5951% | 1,541 |
| Loan loss allowance to noncurrent loans | 6,926.6667% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 5,492 |
| Noncurrent loans to loans | 0.0230% | 5,379 |
| Net loans and leases to total assets | 65.3906% | 3,169 |
| Net loans and leases to deposits | 89.7116% | 1,785 |
| Net loans and leases to core deposits | 90.2929% | 2,508 |
| Total domestic deposits to total assets | 72.8898% | 5,610 |
| Equity capital to assets | 13.7512% | 1,121 |
| Core capital (leverage) ratio | 13.6488% | 931 |
| Tier 1 risk-based capital ratio | 18.7333% | 1,753 |
| Total risk-based capital ratio | 19.9860% | 1,712 |
| Memoranda: | ||
| Average total assets | $194,209,330 | 3,047 |
| Average earning assets | $180,090,330 | 3,042 |
| Average equity | $26,268,670 | 2,643 |
| Average total loans | $126,586,670 | 2,990 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9798% | 3,291 |
| Cost of funding earning assets | 0.4589% | 2,478 |
| Net interest margin | 3.5209% | 3,390 |
| Noninterest income to average assets | 1.0658% | 955 |
| Noninterest expense to average assets | 2.3881% | 4,406 |
| Loan and lease loss provision to assets | 0.0062% | 3,596 |
| Net operating income to assets | 1.9266% | 378 |
| Return on assets (ROA) | 2.0073% | 341 |
| Pretax return on assets | 2.0073% | 554 |
| Return on Equity (ROE) | 14.9671% | 672 |
| Retained earnings to average equity (ytd only) | 11.8811% | 523 |
| Net charge-offs to loans | 0.0224% | 2,482 |
| Credit loss provision to net charge-offs | 42.8571% | 2,120 |
| Earnings coverage of net charge-offs (x) | 133.4286% | 442 |
| Efficiency ratio | 55.2682% | 5,256 |
| Assets per employee ($millions) | 4.7418% | 2,685 |
| Cash dividends to net income (ytd only)* | 20.6186% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6494% | 1,485 |
| Loan loss allowance to noncurrent loans | 13,820.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 5,584 |
| Noncurrent loans to loans | 0.0119% | 5,475 |
| Net loans and leases to total assets | 63.5789% | 3,303 |
| Net loans and leases to deposits | 85.1775% | 2,174 |
| Net loans and leases to core deposits | 85.7405% | 2,770 |
| Total domestic deposits to total assets | 74.6429% | 5,552 |
| Equity capital to assets | 13.5756% | 1,146 |
| Core capital (leverage) ratio | 13.3784% | 1,026 |
| Tier 1 risk-based capital ratio | 19.0765% | 1,716 |
| Total risk-based capital ratio | 20.3300% | 1,676 |
| Memoranda: | ||
| Average total assets | $193,290,000 | 3,066 |
| Average earning assets | $178,704,500 | 3,064 |
| Average equity | $25,923,500 | 2,668 |
| Average total loans | $124,742,500 | 3,018 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8711% | 3,802 |
| Cost of funding earning assets | 0.4873% | 2,290 |
| Net interest margin | 3.3838% | 3,973 |
| Noninterest income to average assets | 0.5730% | 2,881 |
| Noninterest expense to average assets | 2.4074% | 4,492 |
| Loan and lease loss provision to assets | 0.0185% | 4,035 |
| Net operating income to assets | 1.2618% | 1,359 |
| Return on assets (ROA) | 1.2778% | 1,371 |
| Pretax return on assets | 1.2778% | 2,369 |
| Return on Equity (ROE) | 9.9253% | 2,038 |
| Retained earnings to average equity (ytd only) | 5.1345% | 2,327 |
| Net charge-offs to loans | -0.0144% | 5,194 |
| Credit loss provision to net charge-offs | -200.0000% | 5,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2811% | 4,025 |
| Assets per employee ($millions) | 4.8041% | 2,597 |
| Cash dividends to net income (ytd only)* | 48.2689% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 1,401 |
| Loan loss allowance to noncurrent loans | 29,671.4286% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 5,578 |
| Noncurrent loans to loans | 0.0057% | 5,529 |
| Net loans and leases to total assets | 63.3456% | 3,368 |
| Net loans and leases to deposits | 81.3668% | 2,668 |
| Net loans and leases to core deposits | 81.8879% | 3,161 |
| Total domestic deposits to total assets | 77.8518% | 5,198 |
| Equity capital to assets | 13.2459% | 1,234 |
| Core capital (leverage) ratio | 12.8413% | 1,213 |
| Tier 1 risk-based capital ratio | 18.5482% | 1,821 |
| Total risk-based capital ratio | 19.8014% | 1,760 |
| Memoranda: | ||
| Average total assets | $194,403,400 | 3,001 |
| Average earning assets | $178,942,800 | 3,011 |
| Average equity | $25,027,000 | 2,692 |
| Average total loans | $125,169,800 | 2,968 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8312% | 3,993 |
| Cost of funding earning assets | 0.4886% | 2,326 |
| Net interest margin | 3.3427% | 4,169 |
| Noninterest income to average assets | 0.5758% | 2,873 |
| Noninterest expense to average assets | 2.4490% | 4,353 |
| Loan and lease loss provision to assets | 0.0226% | 3,821 |
| Net operating income to assets | 1.1831% | 1,706 |
| Return on assets (ROA) | 1.2043% | 1,708 |
| Pretax return on assets | 1.2043% | 2,802 |
| Return on Equity (ROE) | 9.4218% | 2,340 |
| Retained earnings to average equity (ytd only) | 6.0672% | 2,201 |
| Net charge-offs to loans | -0.0255% | 5,286 |
| Credit loss provision to net charge-offs | -137.5000% | 5,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0097% | 3,713 |
| Assets per employee ($millions) | 4.9503% | 2,360 |
| Cash dividends to net income (ytd only)* | 35.6048% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 1,469 |
| Loan loss allowance to noncurrent loans | 407.0450% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 4,738 |
| Noncurrent loans to loans | 0.4174% | 4,104 |
| Net loans and leases to total assets | 60.7707% | 3,764 |
| Net loans and leases to deposits | 81.4766% | 2,709 |
| Net loans and leases to core deposits | 82.3780% | 3,216 |
| Total domestic deposits to total assets | 74.5866% | 5,654 |
| Equity capital to assets | 12.9337% | 1,484 |
| Core capital (leverage) ratio | 12.6823% | 1,327 |
| Tier 1 risk-based capital ratio | 18.8345% | 1,811 |
| Total risk-based capital ratio | 20.0870% | 1,784 |
| Memoranda: | ||
| Average total assets | $194,963,000 | 3,021 |
| Average earning assets | $179,573,250 | 3,028 |
| Average equity | $24,920,250 | 2,721 |
| Average total loans | $125,511,000 | 2,983 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8624% | 3,823 |
| Cost of funding earning assets | 0.4920% | 2,326 |
| Net interest margin | 3.3703% | 4,013 |
| Noninterest income to average assets | 0.5929% | 2,781 |
| Noninterest expense to average assets | 2.4656% | 4,346 |
| Loan and lease loss provision to assets | 0.0340% | 3,432 |
| Net operating income to assets | 1.1941% | 1,619 |
| Return on assets (ROA) | 1.2261% | 1,595 |
| Pretax return on assets | 1.2261% | 2,667 |
| Return on Equity (ROE) | 9.6313% | 2,237 |
| Retained earnings to average equity (ytd only) | 6.6180% | 1,892 |
| Net charge-offs to loans | -0.0316% | 5,353 |
| Credit loss provision to net charge-offs | -165.0000% | 4,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7504% | 3,877 |
| Assets per employee ($millions) | 4.3917% | 3,152 |
| Cash dividends to net income (ytd only)* | 31.2868% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6743% | 1,678 |
| Loan loss allowance to noncurrent loans | 3,518.6441% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 5,586 |
| Noncurrent loans to loans | 0.0476% | 5,558 |
| Net loans and leases to total assets | 61.6911% | 3,598 |
| Net loans and leases to deposits | 83.8269% | 2,331 |
| Net loans and leases to core deposits | 85.0408% | 2,875 |
| Total domestic deposits to total assets | 73.5934% | 5,827 |
| Equity capital to assets | 12.6522% | 1,577 |
| Core capital (leverage) ratio | 12.4984% | 1,384 |
| Tier 1 risk-based capital ratio | 18.0253% | 2,059 |
| Total risk-based capital ratio | 19.2786% | 2,013 |
| Memoranda: | ||
| Average total assets | $193,947,330 | 3,049 |
| Average earning assets | $178,440,000 | 3,064 |
| Average equity | $24,690,330 | 2,750 |
| Average total loans | $126,544,000 | 2,972 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9314% | 3,493 |
| Cost of funding earning assets | 0.4960% | 2,325 |
| Net interest margin | 3.4355% | 3,686 |
| Noninterest income to average assets | 0.6351% | 2,472 |
| Noninterest expense to average assets | 2.4653% | 4,390 |
| Loan and lease loss provision to assets | 0.0437% | 3,043 |
| Net operating income to assets | 1.2847% | 1,327 |
| Return on assets (ROA) | 1.3492% | 1,204 |
| Pretax return on assets | 1.3492% | 2,077 |
| Return on Equity (ROE) | 10.5651% | 1,778 |
| Retained earnings to average equity (ytd only) | 8.0706% | 1,542 |
| Net charge-offs to loans | 0.1189% | 1,562 |
| Credit loss provision to net charge-offs | 55.2632% | 2,054 |
| Earnings coverage of net charge-offs (x) | 16.7895% | 1,554 |
| Efficiency ratio | 64.9835% | 4,319 |
| Assets per employee ($millions) | 4.0664% | 3,833 |
| Cash dividends to net income (ytd only)* | 23.6111% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6450% | 1,901 |
| Loan loss allowance to noncurrent loans | 2,950.0000% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 5,576 |
| Noncurrent loans to loans | 0.0558% | 5,553 |
| Net loans and leases to total assets | 60.1935% | 3,626 |
| Net loans and leases to deposits | 80.5851% | 2,490 |
| Net loans and leases to core deposits | 81.7334% | 2,986 |
| Total domestic deposits to total assets | 74.6956% | 5,856 |
| Equity capital to assets | 12.5202% | 1,682 |
| Core capital (leverage) ratio | 12.4385% | 1,387 |
| Tier 1 risk-based capital ratio | 18.0486% | 2,123 |
| Total risk-based capital ratio | 19.2986% | 2,076 |
| Memoranda: | ||
| Average total assets | $192,108,500 | 3,093 |
| Average earning assets | $176,627,500 | 3,096 |
| Average equity | $24,533,500 | 2,784 |
| Average total loans | $127,819,500 | 2,950 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1464% | 3,141 |
| Cost of funding earning assets | 0.5268% | 2,416 |
| Net interest margin | 3.6196% | 3,334 |
| Noninterest income to average assets | 0.5851% | 2,951 |
| Noninterest expense to average assets | 2.6295% | 4,119 |
| Loan and lease loss provision to assets | 0.0286% | 4,033 |
| Net operating income to assets | 1.2471% | 1,445 |
| Return on assets (ROA) | 1.2599% | 1,459 |
| Pretax return on assets | 1.2609% | 2,386 |
| Return on Equity (ROE) | 10.2676% | 2,000 |
| Retained earnings to average equity (ytd only) | 6.4923% | 1,644 |
| Net charge-offs to loans | -0.0115% | 5,586 |
| Credit loss provision to net charge-offs | -360.0000% | 5,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3134% | 4,013 |
| Assets per employee ($millions) | 3.7748% | 4,393 |
| Cash dividends to net income (ytd only)* | 36.7690% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5131% | 2,413 |
| Loan loss allowance to noncurrent loans | 746.4945% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 5,445 |
| Noncurrent loans to loans | 0.2027% | 5,092 |
| Net loans and leases to total assets | 71.1883% | 2,048 |
| Net loans and leases to deposits | 92.3120% | 1,259 |
| Net loans and leases to core deposits | 93.6847% | 1,942 |
| Total domestic deposits to total assets | 77.1170% | 5,579 |
| Equity capital to assets | 13.0404% | 1,354 |
| Core capital (leverage) ratio | 12.5895% | 1,312 |
| Tier 1 risk-based capital ratio | 17.0067% | 2,513 |
| Total risk-based capital ratio | 18.2593% | 2,466 |
| Memoranda: | ||
| Average total assets | $188,670,400 | 3,116 |
| Average earning assets | $173,112,600 | 3,120 |
| Average equity | $23,150,400 | 2,834 |
| Average total loans | $130,222,600 | 2,861 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1048% | 3,351 |
| Cost of funding earning assets | 0.5284% | 2,483 |
| Net interest margin | 3.5764% | 3,523 |
| Noninterest income to average assets | 0.5675% | 3,081 |
| Noninterest expense to average assets | 2.6638% | 3,968 |
| Loan and lease loss provision to assets | 0.0113% | 4,196 |
| Net operating income to assets | 1.1751% | 1,774 |
| Return on assets (ROA) | 1.1751% | 1,843 |
| Pretax return on assets | 1.1765% | 2,880 |
| Return on Equity (ROE) | 9.7256% | 2,340 |
| Retained earnings to average equity (ytd only) | 6.6293% | 2,026 |
| Net charge-offs to loans | -0.0124% | 5,482 |
| Credit loss provision to net charge-offs | -133.3333% | 5,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1619% | 3,646 |
| Assets per employee ($millions) | 3.8754% | 4,134 |
| Cash dividends to net income (ytd only)* | 31.8375% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 2,764 |
| Loan loss allowance to noncurrent loans | 5,082.0513% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 6,087 |
| Noncurrent loans to loans | 0.0293% | 5,914 |
| Net loans and leases to total assets | 68.9505% | 2,378 |
| Net loans and leases to deposits | 92.5964% | 1,171 |
| Net loans and leases to core deposits | 93.9849% | 1,864 |
| Total domestic deposits to total assets | 74.4635% | 5,973 |
| Equity capital to assets | 12.4583% | 1,728 |
| Core capital (leverage) ratio | 12.2655% | 1,537 |
| Tier 1 risk-based capital ratio | 16.8380% | 2,671 |
| Total risk-based capital ratio | 18.0582% | 2,630 |
| Memoranda: | ||
| Average total assets | $189,597,250 | 3,130 |
| Average earning assets | $174,101,250 | 3,135 |
| Average equity | $22,908,000 | 2,866 |
| Average total loans | $129,354,500 | 2,885 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0722% | 3,454 |
| Cost of funding earning assets | 0.5348% | 2,493 |
| Net interest margin | 3.5375% | 3,618 |
| Noninterest income to average assets | 0.5541% | 3,087 |
| Noninterest expense to average assets | 2.6692% | 3,980 |
| Loan and lease loss provision to assets | 0.0116% | 4,016 |
| Net operating income to assets | 1.1177% | 1,867 |
| Return on assets (ROA) | 1.1177% | 1,942 |
| Pretax return on assets | 1.1198% | 3,009 |
| Return on Equity (ROE) | 9.3477% | 2,440 |
| Retained earnings to average equity (ytd only) | 6.3554% | 2,114 |
| Net charge-offs to loans | -0.0140% | 5,426 |
| Credit loss provision to net charge-offs | -122.2222% | 5,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2305% | 3,618 |
| Assets per employee ($millions) | 3.8011% | 4,253 |
| Cash dividends to net income (ytd only)* | 32.0113% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 2,794 |
| Loan loss allowance to noncurrent loans | 197,400.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 6,286 |
| Noncurrent loans to loans | 0.0008% | 6,117 |
| Net loans and leases to total assets | 65.8812% | 2,762 |
| Net loans and leases to deposits | 88.3011% | 1,559 |
| Net loans and leases to core deposits | 89.7582% | 2,148 |
| Total domestic deposits to total assets | 74.6098% | 6,056 |
| Equity capital to assets | 12.0279% | 1,959 |
| Core capital (leverage) ratio | 11.9504% | 1,686 |
| Tier 1 risk-based capital ratio | 17.0734% | 2,589 |
| Total risk-based capital ratio | 18.3262% | 2,552 |
| Memoranda: | ||
| Average total assets | $189,497,330 | 3,157 |
| Average earning assets | $173,910,330 | 3,150 |
| Average equity | $22,658,000 | 2,884 |
| Average total loans | $128,167,000 | 2,896 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0667% | 3,411 |
| Cost of funding earning assets | 0.5424% | 2,479 |
| Net interest margin | 3.5244% | 3,590 |
| Noninterest income to average assets | 0.5573% | 3,002 |
| Noninterest expense to average assets | 2.7248% | 3,853 |
| Loan and lease loss provision to assets | 0.0235% | 3,525 |
| Net operating income to assets | 1.0378% | 2,054 |
| Return on assets (ROA) | 1.0378% | 2,126 |
| Pretax return on assets | 1.0421% | 3,158 |
| Return on Equity (ROE) | 8.7064% | 2,599 |
| Retained earnings to average equity (ytd only) | 6.7358% | 2,171 |
| Net charge-offs to loans | -0.0188% | 5,326 |
| Credit loss provision to net charge-offs | -183.3333% | 4,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8873% | 3,510 |
| Assets per employee ($millions) | 3.7214% | 4,477 |
| Cash dividends to net income (ytd only)* | 22.6337% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 2,968 |
| Loan loss allowance to noncurrent loans | 2,593.4211% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 6,173 |
| Noncurrent loans to loans | 0.0594% | 5,974 |
| Net loans and leases to total assets | 65.0957% | 2,718 |
| Net loans and leases to deposits | 85.5157% | 1,659 |
| Net loans and leases to core deposits | 87.3316% | 2,160 |
| Total domestic deposits to total assets | 76.1214% | 6,067 |
| Equity capital to assets | 11.7212% | 2,086 |
| Core capital (leverage) ratio | 11.9285% | 1,696 |
| Tier 1 risk-based capital ratio | 17.0019% | 2,689 |
| Total risk-based capital ratio | 18.2549% | 2,643 |
| Memoranda: | ||
| Average total assets | $187,317,000 | 3,200 |
| Average earning assets | $171,833,000 | 3,199 |
| Average equity | $22,328,500 | 2,911 |
| Average total loans | $127,405,500 | 2,916 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0155% | 4,038 |
| Cost of funding earning assets | 0.5966% | 2,691 |
| Net interest margin | 3.4189% | 4,208 |
| Noninterest income to average assets | 0.6130% | 3,012 |
| Noninterest expense to average assets | 2.5260% | 4,687 |
| Loan and lease loss provision to assets | 0.0293% | 4,525 |
| Net operating income to assets | 1.1902% | 1,612 |
| Return on assets (ROA) | 1.2099% | 1,601 |
| Pretax return on assets | 1.2142% | 2,522 |
| Return on Equity (ROE) | 10.3719% | 1,967 |
| Retained earnings to average equity (ytd only) | 4.3955% | 3,047 |
| Net charge-offs to loans | 0.0232% | 4,964 |
| Credit loss provision to net charge-offs | 189.6552% | 1,205 |
| Earnings coverage of net charge-offs (x) | 79.1724% | 552 |
| Efficiency ratio | 67.3632% | 4,314 |
| Assets per employee ($millions) | 3.4174% | 5,045 |
| Cash dividends to net income (ytd only)* | 57.6211% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 3,006 |
| Loan loss allowance to noncurrent loans | 5,582.8571% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 6,272 |
| Noncurrent loans to loans | 0.0276% | 6,173 |
| Net loans and leases to total assets | 68.9690% | 2,181 |
| Net loans and leases to deposits | 91.0534% | 1,153 |
| Net loans and leases to core deposits | 93.4889% | 1,635 |
| Total domestic deposits to total assets | 75.7456% | 6,117 |
| Equity capital to assets | 12.1327% | 1,720 |
| Core capital (leverage) ratio | 11.9706% | 1,627 |
| Tier 1 risk-based capital ratio | 16.8034% | 2,707 |
| Total risk-based capital ratio | 18.0558% | 2,660 |
| Memoranda: | ||
| Average total assets | $187,612,200 | 3,191 |
| Average earning assets | $172,133,000 | 3,191 |
| Average equity | $21,886,000 | 2,935 |
| Average total loans | $125,176,200 | 2,934 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9465% | 4,330 |
| Cost of funding earning assets | 0.5978% | 2,829 |
| Net interest margin | 3.3488% | 4,472 |
| Noninterest income to average assets | 0.6179% | 3,047 |
| Noninterest expense to average assets | 2.5351% | 4,601 |
| Loan and lease loss provision to assets | 0.0282% | 4,447 |
| Net operating income to assets | 1.1252% | 1,910 |
| Return on assets (ROA) | 1.1513% | 1,884 |
| Pretax return on assets | 1.1555% | 2,871 |
| Return on Equity (ROE) | 9.9645% | 2,196 |
| Retained earnings to average equity (ytd only) | 3.5980% | 4,129 |
| Net charge-offs to loans | 0.0353% | 4,434 |
| Credit loss provision to net charge-offs | 121.2121% | 1,942 |
| Earnings coverage of net charge-offs (x) | 49.7866% | 868 |
| Efficiency ratio | 68.6510% | 3,967 |
| Assets per employee ($millions) | 3.5972% | 4,656 |
| Cash dividends to net income (ytd only)* | 63.8926% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5376% | 3,289 |
| Loan loss allowance to noncurrent loans | 2,174.1573% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0640% | 6,255 |
| Noncurrent loans to loans | 0.0707% | 6,126 |
| Net loans and leases to total assets | 64.9928% | 2,803 |
| Net loans and leases to deposits | 87.2581% | 1,463 |
| Net loans and leases to core deposits | 89.5084% | 2,022 |
| Total domestic deposits to total assets | 74.4834% | 6,333 |
| Equity capital to assets | 11.4927% | 2,308 |
| Core capital (leverage) ratio | 11.1023% | 2,379 |
| Tier 1 risk-based capital ratio | 16.6166% | 2,892 |
| Total risk-based capital ratio | 17.8692% | 2,847 |
| Memoranda: | ||
| Average total assets | $189,234,750 | 3,196 |
| Average earning assets | $173,751,750 | 3,194 |
| Average equity | $21,863,750 | 2,979 |
| Average total loans | $124,752,250 | 2,961 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9008% | 4,470 |
| Cost of funding earning assets | 0.5923% | 3,010 |
| Net interest margin | 3.3085% | 4,543 |
| Noninterest income to average assets | 0.6325% | 3,008 |
| Noninterest expense to average assets | 2.5535% | 4,552 |
| Loan and lease loss provision to assets | 0.0360% | 4,226 |
| Net operating income to assets | 1.0807% | 1,991 |
| Return on assets (ROA) | 1.1199% | 1,978 |
| Pretax return on assets | 1.1242% | 2,995 |
| Return on Equity (ROE) | 9.6759% | 2,330 |
| Retained earnings to average equity (ytd only) | 1.9865% | 5,009 |
| Net charge-offs to loans | -0.0080% | 5,727 |
| Credit loss provision to net charge-offs | -680.0000% | 5,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4925% | 3,927 |
| Assets per employee ($millions) | 4.1589% | 3,453 |
| Cash dividends to net income (ytd only)* | 79.4702% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 3,270 |
| Loan loss allowance to noncurrent loans | 855.2174% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 6,060 |
| Noncurrent loans to loans | 0.1836% | 5,855 |
| Net loans and leases to total assets | 61.7749% | 3,333 |
| Net loans and leases to deposits | 79.6466% | 2,376 |
| Net loans and leases to core deposits | 81.5215% | 2,855 |
| Total domestic deposits to total assets | 77.5613% | 6,056 |
| Equity capital to assets | 10.7300% | 3,019 |
| Core capital (leverage) ratio | 11.0332% | 2,324 |
| Tier 1 risk-based capital ratio | 16.5554% | 2,913 |
| Total risk-based capital ratio | 17.7982% | 2,872 |
| Memoranda: | ||
| Average total assets | $188,762,330 | 3,210 |
| Average earning assets | $173,553,670 | 3,203 |
| Average equity | $21,848,000 | 3,002 |
| Average total loans | $124,388,000 | 2,980 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0649% | 3,870 |
| Cost of funding earning assets | 0.5885% | 3,221 |
| Net interest margin | 3.4764% | 3,805 |
| Noninterest income to average assets | 0.6633% | 2,802 |
| Noninterest expense to average assets | 2.6924% | 4,099 |
| Loan and lease loss provision to assets | 0.0458% | 3,844 |
| Net operating income to assets | 1.1040% | 1,840 |
| Return on assets (ROA) | 1.1040% | 1,947 |
| Pretax return on assets | 1.1084% | 2,925 |
| Return on Equity (ROE) | 9.1741% | 2,403 |
| Retained earnings to average equity (ytd only) | 6.9078% | 2,197 |
| Net charge-offs to loans | -0.0065% | 5,324 |
| Credit loss provision to net charge-offs | -1,050.0000% | 5,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9943% | 3,974 |
| Assets per employee ($millions) | 3.9084% | 4,141 |
| Cash dividends to net income (ytd only)* | 24.7036% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6263% | 3,291 |
| Loan loss allowance to noncurrent loans | 3,547.2727% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 6,392 |
| Noncurrent loans to loans | 0.0458% | 6,345 |
| Net loans and leases to total assets | 62.9085% | 2,900 |
| Net loans and leases to deposits | 83.5613% | 1,644 |
| Net loans and leases to core deposits | 86.3777% | 2,070 |
| Total domestic deposits to total assets | 75.2842% | 6,431 |
| Equity capital to assets | 11.8549% | 2,138 |
| Core capital (leverage) ratio | 12.0166% | 1,552 |
| Tier 1 risk-based capital ratio | 17.4127% | 2,598 |
| Total risk-based capital ratio | 18.6177% | 2,580 |
| Memoranda: | ||
| Average total assets | $183,329,500 | 3,308 |
| Average earning assets | $167,877,000 | 3,310 |
| Average equity | $22,062,000 | 3,020 |
| Average total loans | $123,938,500 | 3,015 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6997% | 2,593 |
| Cost of funding earning assets | 0.7058% | 3,454 |
| Net interest margin | 3.9940% | 2,409 |
| Noninterest income to average assets | 0.6342% | 3,082 |
| Noninterest expense to average assets | 2.7426% | 4,243 |
| Loan and lease loss provision to assets | 0.1530% | 3,700 |
| Net operating income to assets | 1.4130% | 1,076 |
| Return on assets (ROA) | 1.4889% | 1,031 |
| Pretax return on assets | 1.4935% | 1,693 |
| Return on Equity (ROE) | 12.3542% | 1,404 |
| Retained earnings to average equity (ytd only) | 6.0102% | 2,068 |
| Net charge-offs to loans | 0.0032% | 5,941 |
| Credit loss provision to net charge-offs | 6,750.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 692.7500% | 56 |
| Efficiency ratio | 63.5874% | 4,967 |
| Assets per employee ($millions) | 3.7304% | 4,506 |
| Cash dividends to net income (ytd only)* | 51.3514% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 3,720 |
| Loan loss allowance to noncurrent loans | 2,921.2121% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 6,561 |
| Noncurrent loans to loans | 0.0516% | 6,369 |
| Net loans and leases to total assets | 70.3576% | 1,768 |
| Net loans and leases to deposits | 97.0914% | 556 |
| Net loans and leases to core deposits | 100.9342% | 963 |
| Total domestic deposits to total assets | 72.4653% | 6,663 |
| Equity capital to assets | 12.2217% | 1,906 |
| Core capital (leverage) ratio | 12.1464% | 1,480 |
| Tier 1 risk-based capital ratio | 16.1605% | 3,071 |
| Total risk-based capital ratio | 17.4128% | 3,024 |
| Memoranda: | ||
| Average total assets | $176,436,600 | 3,355 |
| Average earning assets | $162,520,200 | 3,339 |
| Average equity | $21,264,000 | 3,069 |
| Average total loans | $125,625,600 | 2,971 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7321% | 2,661 |
| Cost of funding earning assets | 0.7278% | 3,539 |
| Net interest margin | 4.0044% | 2,486 |
| Noninterest income to average assets | 0.6417% | 3,036 |
| Noninterest expense to average assets | 2.6965% | 4,381 |
| Loan and lease loss provision to assets | 0.1805% | 3,332 |
| Net operating income to assets | 1.4578% | 1,107 |
| Return on assets (ROA) | 1.4889% | 1,153 |
| Pretax return on assets | 1.4935% | 1,908 |
| Return on Equity (ROE) | 12.3988% | 1,499 |
| Retained earnings to average equity (ytd only) | 6.2152% | 2,556 |
| Net charge-offs to loans | -0.0032% | 6,229 |
| Credit loss provision to net charge-offs | -7,933.3333% | 6,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1395% | 5,131 |
| Assets per employee ($millions) | 3.4049% | 5,198 |
| Cash dividends to net income (ytd only)* | 49.8726% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4746% | 4,050 |
| Loan loss allowance to noncurrent loans | 2,884.8485% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 6,661 |
| Noncurrent loans to loans | 0.0511% | 6,489 |
| Net loans and leases to total assets | 73.2610% | 1,357 |
| Net loans and leases to deposits | 99.8626% | 447 |
| Net loans and leases to core deposits | 103.4016% | 902 |
| Total domestic deposits to total assets | 73.3618% | 6,650 |
| Equity capital to assets | 12.5829% | 1,832 |
| Core capital (leverage) ratio | 11.8635% | 1,738 |
| Tier 1 risk-based capital ratio | 15.9341% | 3,300 |
| Total risk-based capital ratio | 17.1861% | 3,271 |
| Memoranda: | ||
| Average total assets | $175,781,250 | 3,412 |
| Average earning assets | $162,319,000 | 3,382 |
| Average equity | $21,109,000 | 3,109 |
| Average total loans | $125,054,750 | 3,014 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6894% | 2,958 |
| Cost of funding earning assets | 0.7566% | 3,549 |
| Net interest margin | 3.9328% | 2,779 |
| Noninterest income to average assets | 0.6346% | 3,041 |
| Noninterest expense to average assets | 2.7072% | 4,386 |
| Loan and lease loss provision to assets | 0.1983% | 3,098 |
| Net operating income to assets | 1.3530% | 1,306 |
| Return on assets (ROA) | 1.3836% | 1,370 |
| Pretax return on assets | 1.3882% | 2,243 |
| Return on Equity (ROE) | 11.7055% | 1,770 |
| Retained earnings to average equity (ytd only) | 5.0810% | 3,237 |
| Net charge-offs to loans | -0.0323% | 6,552 |
| Credit loss provision to net charge-offs | -875.0000% | 6,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5035% | 4,983 |
| Assets per employee ($millions) | 3.7415% | 4,438 |
| Cash dividends to net income (ytd only)* | 56.5930% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 4,210 |
| Loan loss allowance to noncurrent loans | 1,785.5769% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 6,658 |
| Noncurrent loans to loans | 0.0817% | 6,459 |
| Net loans and leases to total assets | 69.8255% | 1,949 |
| Net loans and leases to deposits | 93.6373% | 805 |
| Net loans and leases to core deposits | 99.0279% | 1,173 |
| Total domestic deposits to total assets | 74.5701% | 6,626 |
| Equity capital to assets | 11.7995% | 2,314 |
| Core capital (leverage) ratio | 11.5301% | 1,884 |
| Tier 1 risk-based capital ratio | 15.8975% | 3,211 |
| Total risk-based capital ratio | 17.1494% | 3,185 |
| Memoranda: | ||
| Average total assets | $176,492,000 | 3,417 |
| Average earning assets | $162,835,000 | 3,372 |
| Average equity | $20,862,000 | 3,123 |
| Average total loans | $123,699,330 | 3,058 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7477% | 2,854 |
| Cost of funding earning assets | 0.7880% | 3,561 |
| Net interest margin | 3.9597% | 2,669 |
| Noninterest income to average assets | 0.6494% | 2,934 |
| Noninterest expense to average assets | 2.7278% | 4,322 |
| Loan and lease loss provision to assets | 0.2218% | 2,733 |
| Net operating income to assets | 1.3376% | 1,358 |
| Return on assets (ROA) | 1.4062% | 1,363 |
| Pretax return on assets | 1.4108% | 2,164 |
| Return on Equity (ROE) | 11.8855% | 1,705 |
| Retained earnings to average equity (ytd only) | 3.8459% | 4,281 |
| Net charge-offs to loans | -0.0098% | 5,939 |
| Credit loss provision to net charge-offs | -3,233.3333% | 6,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5589% | 5,010 |
| Assets per employee ($millions) | 3.6871% | 4,682 |
| Cash dividends to net income (ytd only)* | 67.6423% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 4,330 |
| Loan loss allowance to noncurrent loans | 1,345.0382% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 6,683 |
| Noncurrent loans to loans | 0.1087% | 6,486 |
| Net loans and leases to total assets | 65.7292% | 2,515 |
| Net loans and leases to deposits | 88.8981% | 1,066 |
| Net loans and leases to core deposits | 94.6042% | 1,403 |
| Total domestic deposits to total assets | 73.9377% | 6,753 |
| Equity capital to assets | 11.5422% | 2,399 |
| Core capital (leverage) ratio | 11.6692% | 1,796 |
| Tier 1 risk-based capital ratio | 16.6529% | 2,839 |
| Total risk-based capital ratio | 17.9056% | 2,793 |
| Memoranda: | ||
| Average total assets | $174,942,000 | 3,457 |
| Average earning assets | $160,919,500 | 3,424 |
| Average equity | $20,697,500 | 3,144 |
| Average total loans | $121,920,000 | 3,109 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0401% | 2,712 |
| Cost of funding earning assets | 0.9717% | 3,567 |
| Net interest margin | 4.0684% | 2,577 |
| Noninterest income to average assets | 0.7232% | 2,481 |
| Noninterest expense to average assets | 2.8102% | 4,309 |
| Loan and lease loss provision to assets | 0.2223% | 3,976 |
| Net operating income to assets | 1.4327% | 963 |
| Return on assets (ROA) | 1.5177% | 861 |
| Pretax return on assets | 1.5206% | 1,413 |
| Return on Equity (ROE) | 13.2950% | 1,091 |
| Retained earnings to average equity (ytd only) | 6.6575% | 1,662 |
| Net charge-offs to loans | 0.0591% | 5,716 |
| Credit loss provision to net charge-offs | 552.8571% | 414 |
| Earnings coverage of net charge-offs (x) | 41.2286% | 655 |
| Efficiency ratio | 62.8953% | 5,318 |
| Assets per employee ($millions) | 3.2542% | 5,607 |
| Cash dividends to net income (ytd only)* | 49.9243% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 4,677 |
| Loan loss allowance to noncurrent loans | 1,768.0851% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 6,617 |
| Noncurrent loans to loans | 0.0762% | 6,622 |
| Net loans and leases to total assets | 71.8988% | 1,664 |
| Net loans and leases to deposits | 93.7702% | 828 |
| Net loans and leases to core deposits | 98.4887% | 1,300 |
| Total domestic deposits to total assets | 76.6755% | 6,381 |
| Equity capital to assets | 12.1394% | 2,021 |
| Core capital (leverage) ratio | 11.9807% | 1,606 |
| Tier 1 risk-based capital ratio | 15.6398% | 3,244 |
| Total risk-based capital ratio | 16.8504% | 3,223 |
| Memoranda: | ||
| Average total assets | $174,079,800 | 3,431 |
| Average earning assets | $160,233,600 | 3,401 |
| Average equity | $19,872,200 | 3,174 |
| Average total loans | $118,534,200 | 3,206 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0374% | 2,902 |
| Cost of funding earning assets | 1.0106% | 3,608 |
| Net interest margin | 4.0268% | 2,794 |
| Noninterest income to average assets | 0.7462% | 2,336 |
| Noninterest expense to average assets | 2.8043% | 4,325 |
| Loan and lease loss provision to assets | 0.2236% | 3,773 |
| Net operating income to assets | 1.4315% | 1,097 |
| Return on assets (ROA) | 1.4771% | 1,070 |
| Pretax return on assets | 1.4794% | 1,706 |
| Return on Equity (ROE) | 13.1403% | 1,242 |
| Retained earnings to average equity (ytd only) | 8.4986% | 1,313 |
| Net charge-offs to loans | 0.1125% | 4,885 |
| Credit loss provision to net charge-offs | 296.9697% | 966 |
| Earnings coverage of net charge-offs (x) | 22.0095% | 1,166 |
| Efficiency ratio | 62.8537% | 5,267 |
| Assets per employee ($millions) | 3.2621% | 5,551 |
| Cash dividends to net income (ytd only)* | 35.3242% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 5,063 |
| Loan loss allowance to noncurrent loans | 956.5217% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 6,754 |
| Noncurrent loans to loans | 0.1347% | 6,601 |
| Net loans and leases to total assets | 69.5762% | 2,164 |
| Net loans and leases to deposits | 92.4516% | 974 |
| Net loans and leases to core deposits | 98.0167% | 1,424 |
| Total domestic deposits to total assets | 75.2569% | 6,611 |
| Equity capital to assets | 12.1897% | 2,111 |
| Core capital (leverage) ratio | 11.7745% | 1,841 |
| Tier 1 risk-based capital ratio | 16.5047% | 2,865 |
| Total risk-based capital ratio | 17.7618% | 2,824 |
| Memoranda: | ||
| Average total assets | $175,295,500 | 3,427 |
| Average earning assets | $161,746,500 | 3,391 |
| Average equity | $19,704,750 | 3,190 |
| Average total loans | $117,336,000 | 3,253 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9579% | 3,365 |
| Cost of funding earning assets | 1.0490% | 3,610 |
| Net interest margin | 3.9089% | 3,268 |
| Noninterest income to average assets | 0.7326% | 2,363 |
| Noninterest expense to average assets | 2.7722% | 4,537 |
| Loan and lease loss provision to assets | 0.2088% | 3,830 |
| Net operating income to assets | 1.3455% | 1,204 |
| Return on assets (ROA) | 1.4155% | 1,114 |
| Pretax return on assets | 1.4177% | 1,759 |
| Return on Equity (ROE) | 12.9407% | 1,215 |
| Retained earnings to average equity (ytd only) | 8.8232% | 1,169 |
| Net charge-offs to loans | 0.1355% | 4,389 |
| Credit loss provision to net charge-offs | 234.1772% | 1,286 |
| Earnings coverage of net charge-offs (x) | 17.4557% | 1,301 |
| Efficiency ratio | 64.0417% | 5,230 |
| Assets per employee ($millions) | 3.3749% | 5,266 |
| Cash dividends to net income (ytd only)* | 31.8182% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 5,445 |
| Loan loss allowance to noncurrent loans | 3,921.6216% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 6,723 |
| Noncurrent loans to loans | 0.0312% | 6,905 |
| Net loans and leases to total assets | 66.7111% | 2,884 |
| Net loans and leases to deposits | 87.3739% | 1,594 |
| Net loans and leases to core deposits | 91.6667% | 2,175 |
| Total domestic deposits to total assets | 76.3513% | 6,549 |
| Equity capital to assets | 11.4551% | 2,545 |
| Core capital (leverage) ratio | 11.2796% | 2,057 |
| Tier 1 risk-based capital ratio | 14.7981% | 3,614 |
| Total risk-based capital ratio | 15.8860% | 3,670 |
| Memoranda: | ||
| Average total assets | $177,185,000 | 3,413 |
| Average earning assets | $163,012,330 | 3,387 |
| Average equity | $19,380,670 | 3,218 |
| Average total loans | $116,594,670 | 3,305 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9219% | 3,473 |
| Cost of funding earning assets | 1.0995% | 3,524 |
| Net interest margin | 3.8224% | 3,500 |
| Noninterest income to average assets | 0.7392% | 2,324 |
| Noninterest expense to average assets | 2.7478% | 4,652 |
| Loan and lease loss provision to assets | 0.2045% | 3,595 |
| Net operating income to assets | 1.2919% | 1,289 |
| Return on assets (ROA) | 1.2964% | 1,315 |
| Pretax return on assets | 1.2987% | 2,048 |
| Return on Equity (ROE) | 12.1349% | 1,422 |
| Retained earnings to average equity (ytd only) | 9.2116% | 1,315 |
| Net charge-offs to loans | 0.2283% | 3,171 |
| Credit loss provision to net charge-offs | 137.8788% | 2,032 |
| Earnings coverage of net charge-offs (x) | 10.1061% | 1,659 |
| Efficiency ratio | 64.7090% | 5,238 |
| Assets per employee ($millions) | 3.3372% | 5,397 |
| Cash dividends to net income (ytd only)* | 24.0901% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 5,587 |
| Loan loss allowance to noncurrent loans | 724.8677% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 6,526 |
| Noncurrent loans to loans | 0.1668% | 6,635 |
| Net loans and leases to total assets | 64.4923% | 3,352 |
| Net loans and leases to deposits | 83.7237% | 2,077 |
| Net loans and leases to core deposits | 88.6969% | 2,519 |
| Total domestic deposits to total assets | 77.0299% | 6,533 |
| Equity capital to assets | 11.0849% | 2,609 |
| Core capital (leverage) ratio | 10.9921% | 2,196 |
| Tier 1 risk-based capital ratio | 15.7273% | 3,038 |
| Total risk-based capital ratio | 16.8425% | 3,069 |
| Memoranda: | ||
| Average total assets | $178,030,500 | 3,413 |
| Average earning assets | $163,353,000 | 3,396 |
| Average equity | $19,019,500 | 3,253 |
| Average total loans | $115,629,500 | 3,350 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3436% | 2,919 |
| Cost of funding earning assets | 1.4416% | 3,010 |
| Net interest margin | 3.9019% | 3,478 |
| Noninterest income to average assets | 0.7272% | 2,665 |
| Noninterest expense to average assets | 2.7806% | 4,672 |
| Loan and lease loss provision to assets | 0.2136% | 5,119 |
| Net operating income to assets | 1.3042% | 1,160 |
| Return on assets (ROA) | 1.5017% | 822 |
| Pretax return on assets | 1.5253% | 1,310 |
| Return on Equity (ROE) | 13.8027% | 926 |
| Retained earnings to average equity (ytd only) | 5.8058% | 1,935 |
| Net charge-offs to loans | 0.2266% | 4,928 |
| Credit loss provision to net charge-offs | 139.4737% | 2,724 |
| Earnings coverage of net charge-offs (x) | 10.0376% | 1,760 |
| Efficiency ratio | 64.3953% | 5,283 |
| Assets per employee ($millions) | 3.6505% | 4,579 |
| Cash dividends to net income (ytd only)* | 57.9371% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 5,782 |
| Loan loss allowance to noncurrent loans | 340.5063% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 6,459 |
| Noncurrent loans to loans | 0.3348% | 6,384 |
| Net loans and leases to total assets | 63.8963% | 3,894 |
| Net loans and leases to deposits | 81.7570% | 2,862 |
| Net loans and leases to core deposits | 85.5627% | 3,388 |
| Total domestic deposits to total assets | 78.1539% | 6,284 |
| Equity capital to assets | 10.3015% | 3,387 |
| Core capital (leverage) ratio | 11.0219% | 2,145 |
| Tier 1 risk-based capital ratio | 14.6931% | 3,428 |
| Total risk-based capital ratio | 15.7396% | 3,506 |
| Memoranda: | ||
| Average total assets | $173,669,200 | 3,471 |
| Average earning assets | $159,818,800 | 3,457 |
| Average equity | $18,894,800 | 3,292 |
| Average total loans | $117,400,400 | 3,374 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4445% | 2,674 |
| Cost of funding earning assets | 1.5316% | 2,764 |
| Net interest margin | 3.9129% | 3,473 |
| Noninterest income to average assets | 0.7310% | 2,636 |
| Noninterest expense to average assets | 2.8158% | 4,415 |
| Loan and lease loss provision to assets | 0.1641% | 5,397 |
| Net operating income to assets | 1.3399% | 1,256 |
| Return on assets (ROA) | 1.4938% | 1,013 |
| Pretax return on assets | 1.5180% | 1,565 |
| Return on Equity (ROE) | 13.5390% | 1,135 |
| Retained earnings to average equity (ytd only) | 8.6759% | 1,170 |
| Net charge-offs to loans | 0.0853% | 5,679 |
| Credit loss provision to net charge-offs | 281.3333% | 1,158 |
| Earnings coverage of net charge-offs (x) | 26.1460% | 971 |
| Efficiency ratio | 64.8692% | 5,073 |
| Assets per employee ($millions) | 3.1074% | 5,904 |
| Cash dividends to net income (ytd only)* | 35.9189% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 5,717 |
| Loan loss allowance to noncurrent loans | 342.2886% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 6,415 |
| Noncurrent loans to loans | 0.3355% | 6,521 |
| Net loans and leases to total assets | 73.2998% | 1,949 |
| Net loans and leases to deposits | 98.5415% | 761 |
| Net loans and leases to core deposits | 104.1982% | 1,464 |
| Total domestic deposits to total assets | 74.3847% | 6,877 |
| Equity capital to assets | 12.0229% | 2,145 |
| Core capital (leverage) ratio | 11.0273% | 2,238 |
| Tier 1 risk-based capital ratio | 15.3107% | 3,095 |
| Total risk-based capital ratio | 16.4184% | 3,146 |
| Memoranda: | ||
| Average total assets | $171,454,750 | 3,548 |
| Average earning assets | $158,172,750 | 3,531 |
| Average equity | $18,917,750 | 3,336 |
| Average total loans | $117,257,250 | 3,418 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3694% | 3,110 |
| Cost of funding earning assets | 1.5325% | 3,054 |
| Net interest margin | 3.8368% | 3,727 |
| Noninterest income to average assets | 0.7016% | 2,692 |
| Noninterest expense to average assets | 2.7343% | 4,767 |
| Loan and lease loss provision to assets | 0.0698% | 6,253 |
| Net operating income to assets | 1.4135% | 1,073 |
| Return on assets (ROA) | 1.4135% | 1,135 |
| Pretax return on assets | 1.4364% | 1,736 |
| Return on Equity (ROE) | 13.1747% | 1,197 |
| Retained earnings to average equity (ytd only) | 8.9183% | 1,130 |
| Net charge-offs to loans | 0.0687% | 5,454 |
| Credit loss provision to net charge-offs | 152.5000% | 2,573 |
| Earnings coverage of net charge-offs (x) | 32.9000% | 857 |
| Efficiency ratio | 64.4804% | 5,245 |
| Assets per employee ($millions) | 3.0843% | 5,963 |
| Cash dividends to net income (ytd only)* | 32.3077% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 5,996 |
| Loan loss allowance to noncurrent loans | 227.2072% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.6260% | 5,928 |
| Noncurrent loans to loans | 0.4791% | 6,292 |
| Net loans and leases to total assets | 67.5446% | 3,487 |
| Net loans and leases to deposits | 94.7648% | 1,180 |
| Net loans and leases to core deposits | 99.9843% | 2,015 |
| Total domestic deposits to total assets | 71.2761% | 7,239 |
| Equity capital to assets | 11.3948% | 2,525 |
| Core capital (leverage) ratio | 10.6598% | 2,491 |
| Tier 1 risk-based capital ratio | 15.0788% | 3,118 |
| Total risk-based capital ratio | 16.0999% | 3,211 |
| Memoranda: | ||
| Average total assets | $174,745,330 | 3,525 |
| Average earning assets | $161,174,000 | 3,489 |
| Average equity | $18,748,000 | 3,344 |
| Average total loans | $116,404,330 | 3,469 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3216% | 3,439 |
| Cost of funding earning assets | 1.4988% | 3,570 |
| Net interest margin | 3.8228% | 3,695 |
| Noninterest income to average assets | 0.6498% | 2,937 |
| Noninterest expense to average assets | 2.6983% | 4,916 |
| Loan and lease loss provision to assets | 0.0677% | 5,957 |
| Net operating income to assets | 1.3830% | 1,114 |
| Return on assets (ROA) | 1.3830% | 1,191 |
| Pretax return on assets | 1.4055% | 1,761 |
| Return on Equity (ROE) | 13.2849% | 1,197 |
| Retained earnings to average equity (ytd only) | 9.9908% | 1,141 |
| Net charge-offs to loans | 0.0206% | 5,296 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 108.8333% | 299 |
| Efficiency ratio | 64.6836% | 5,358 |
| Assets per employee ($millions) | 3.1640% | 5,846 |
| Cash dividends to net income (ytd only)* | 24.7961% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 6,064 |
| Loan loss allowance to noncurrent loans | 386.5443% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.4557% | 6,328 |
| Noncurrent loans to loans | 0.2813% | 6,762 |
| Net loans and leases to total assets | 66.0769% | 3,833 |
| Net loans and leases to deposits | 91.0038% | 1,762 |
| Net loans and leases to core deposits | 95.6225% | 2,626 |
| Total domestic deposits to total assets | 72.6089% | 7,205 |
| Equity capital to assets | 10.7603% | 2,991 |
| Core capital (leverage) ratio | 10.4074% | 2,711 |
| Tier 1 risk-based capital ratio | 14.6109% | 3,310 |
| Total risk-based capital ratio | 15.6230% | 3,417 |
| Memoranda: | ||
| Average total assets | $177,298,500 | 3,538 |
| Average earning assets | $163,335,500 | 3,507 |
| Average equity | $18,457,000 | 3,408 |
| Average total loans | $116,685,000 | 3,527 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6574% | 3,313 |
| Cost of funding earning assets | 1.8512% | 3,728 |
| Net interest margin | 3.8062% | 3,679 |
| Noninterest income to average assets | 0.6116% | 3,538 |
| Noninterest expense to average assets | 2.7200% | 5,296 |
| Loan and lease loss provision to assets | 0.1478% | 6,185 |
| Net operating income to assets | 1.2095% | 1,225 |
| Return on assets (ROA) | 1.4515% | 820 |
| Pretax return on assets | 1.4792% | 1,236 |
| Return on Equity (ROE) | 13.8976% | 799 |
| Retained earnings to average equity (ytd only) | 3.1721% | 2,941 |
| Net charge-offs to loans | 0.2364% | 5,146 |
| Credit loss provision to net charge-offs | 94.9091% | 5,819 |
| Earnings coverage of net charge-offs (x) | 8.8618% | 1,878 |
| Efficiency ratio | 66.3398% | 5,325 |
| Assets per employee ($millions) | 3.3440% | 5,392 |
| Cash dividends to net income (ytd only)* | 77.1752% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 6,093 |
| Loan loss allowance to noncurrent loans | 2,214.2857% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 6,706 |
| Noncurrent loans to loans | 0.0478% | 7,314 |
| Net loans and leases to total assets | 64.1715% | 4,568 |
| Net loans and leases to deposits | 87.2156% | 2,699 |
| Net loans and leases to core deposits | 99.2922% | 4,080 |
| Total domestic deposits to total assets | 73.5780% | 7,075 |
| Equity capital to assets | 10.0727% | 3,659 |
| Core capital (leverage) ratio | 10.2467% | 2,828 |
| Tier 1 risk-based capital ratio | 13.9263% | 3,551 |
| Total risk-based capital ratio | 14.8972% | 3,663 |
| Memoranda: | ||
| Average total assets | $176,581,600 | 3,494 |
| Average earning assets | $161,841,200 | 3,484 |
| Average equity | $18,442,000 | 3,435 |
| Average total loans | $116,343,200 | 3,562 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7099% | 3,294 |
| Cost of funding earning assets | 1.9624% | 3,557 |
| Net interest margin | 3.7475% | 3,875 |
| Noninterest income to average assets | 0.5999% | 3,701 |
| Noninterest expense to average assets | 2.7185% | 5,250 |
| Loan and lease loss provision to assets | 0.1223% | 6,137 |
| Net operating income to assets | 1.1693% | 1,542 |
| Return on assets (ROA) | 1.4223% | 1,041 |
| Pretax return on assets | 1.4511% | 1,555 |
| Return on Equity (ROE) | 13.4949% | 1,013 |
| Retained earnings to average equity (ytd only) | 9.1215% | 812 |
| Net charge-offs to loans | 0.2422% | 4,537 |
| Credit loss provision to net charge-offs | 76.3033% | 5,858 |
| Earnings coverage of net charge-offs (x) | 8.2084% | 2,288 |
| Efficiency ratio | 67.3946% | 5,101 |
| Assets per employee ($millions) | 2.9614% | 6,264 |
| Cash dividends to net income (ytd only)* | 32.4078% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 6,185 |
| Loan loss allowance to noncurrent loans | 1,281.9149% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.3948% | 6,471 |
| Noncurrent loans to loans | 0.0793% | 7,294 |
| Net loans and leases to total assets | 72.0794% | 3,020 |
| Net loans and leases to deposits | 101.6371% | 956 |
| Net loans and leases to core deposits | 117.8821% | 2,428 |
| Total domestic deposits to total assets | 70.9184% | 7,337 |
| Equity capital to assets | 11.8059% | 2,349 |
| Core capital (leverage) ratio | 10.5165% | 2,781 |
| Tier 1 risk-based capital ratio | 14.7415% | 3,160 |
| Total risk-based capital ratio | 15.7034% | 3,245 |
| Memoranda: | ||
| Average total assets | $175,582,750 | 3,524 |
| Average earning assets | $160,886,250 | 3,532 |
| Average equity | $18,505,250 | 3,452 |
| Average total loans | $116,149,250 | 3,592 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6181% | 3,978 |
| Cost of funding earning assets | 1.9980% | 3,785 |
| Net interest margin | 3.6201% | 4,281 |
| Noninterest income to average assets | 0.5550% | 3,992 |
| Noninterest expense to average assets | 2.6938% | 5,404 |
| Loan and lease loss provision to assets | 0.0567% | 6,654 |
| Net operating income to assets | 1.0909% | 1,808 |
| Return on assets (ROA) | 1.4615% | 978 |
| Pretax return on assets | 1.4915% | 1,469 |
| Return on Equity (ROE) | 14.3890% | 926 |
| Retained earnings to average equity (ytd only) | 9.3079% | 856 |
| Net charge-offs to loans | 0.0364% | 5,943 |
| Credit loss provision to net charge-offs | 242.8571% | 1,910 |
| Earnings coverage of net charge-offs (x) | 50.0952% | 682 |
| Efficiency ratio | 69.7179% | 4,841 |
| Assets per employee ($millions) | 3.1338% | 5,762 |
| Cash dividends to net income (ytd only)* | 35.3120% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 5,402 |
| Loan loss allowance to noncurrent loans | 532.7801% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 6,282 |
| Noncurrent loans to loans | 0.2116% | 6,986 |
| Net loans and leases to total assets | 65.3305% | 4,697 |
| Net loans and leases to deposits | 95.3665% | 1,895 |
| Net loans and leases to core deposits | 112.2819% | 3,102 |
| Total domestic deposits to total assets | 68.5047% | 7,586 |
| Equity capital to assets | 10.7021% | 3,206 |
| Core capital (leverage) ratio | 10.1407% | 3,149 |
| Tier 1 risk-based capital ratio | 14.4890% | 3,250 |
| Total risk-based capital ratio | 15.5196% | 3,304 |
| Memoranda: | ||
| Average total assets | $179,818,330 | 3,484 |
| Average earning assets | $164,361,000 | 3,484 |
| Average equity | $18,264,000 | 3,510 |
| Average total loans | $115,330,670 | 3,641 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6234% | 4,218 |
| Cost of funding earning assets | 2.0514% | 3,863 |
| Net interest margin | 3.5720% | 4,443 |
| Noninterest income to average assets | 0.5383% | 4,003 |
| Noninterest expense to average assets | 2.5759% | 5,548 |
| Loan and lease loss provision to assets | 0.0458% | 6,404 |
| Net operating income to assets | 1.1477% | 1,811 |
| Return on assets (ROA) | 1.6432% | 802 |
| Pretax return on assets | 1.6780% | 1,219 |
| Return on Equity (ROE) | 16.5960% | 739 |
| Retained earnings to average equity (ytd only) | 12.5461% | 703 |
| Net charge-offs to loans | -0.0034% | 7,146 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8920% | 4,985 |
| Assets per employee ($millions) | 3.2363% | 5,499 |
| Cash dividends to net income (ytd only)* | 24.4032% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 5,443 |
| Loan loss allowance to noncurrent loans | 672.1053% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 5,882 |
| Noncurrent loans to loans | 0.1643% | 7,055 |
| Net loans and leases to total assets | 64.2589% | 4,941 |
| Net loans and leases to deposits | 92.6707% | 2,487 |
| Net loans and leases to core deposits | 108.0149% | 3,678 |
| Total domestic deposits to total assets | 69.3411% | 7,483 |
| Equity capital to assets | 10.3099% | 3,643 |
| Core capital (leverage) ratio | 9.7755% | 3,661 |
| Tier 1 risk-based capital ratio | 14.0482% | 3,559 |
| Total risk-based capital ratio | 15.0577% | 3,614 |
| Memoranda: | ||
| Average total assets | $183,548,000 | 3,452 |
| Average earning assets | $167,301,000 | 3,461 |
| Average equity | $18,173,000 | 3,545 |
| Average total loans | $116,052,500 | 3,654 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4748% | 3,091 |
| Cost of funding earning assets | 2.5029% | 4,192 |
| Net interest margin | 3.9720% | 3,261 |
| Noninterest income to average assets | 0.6770% | 3,276 |
| Noninterest expense to average assets | 2.7184% | 5,183 |
| Loan and lease loss provision to assets | 0.0583% | 6,681 |
| Net operating income to assets | 1.5428% | 939 |
| Return on assets (ROA) | 1.6011% | 800 |
| Pretax return on assets | 1.6011% | 1,380 |
| Return on Equity (ROE) | 16.3636% | 718 |
| Retained earnings to average equity (ytd only) | 3.7344% | 2,811 |
| Net charge-offs to loans | -0.1187% | 8,112 |
| Credit loss provision to net charge-offs | -73.9130% | 7,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9335% | 5,791 |
| Assets per employee ($millions) | 3.4382% | 4,834 |
| Cash dividends to net income (ytd only)* | 77.1786% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 5,439 |
| Loan loss allowance to noncurrent loans | 175.8766% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 5,780 |
| Noncurrent loans to loans | 0.6123% | 5,534 |
| Net loans and leases to total assets | 60.9179% | 5,779 |
| Net loans and leases to deposits | 86.5128% | 4,034 |
| Net loans and leases to core deposits | 99.3909% | 4,882 |
| Total domestic deposits to total assets | 70.4149% | 7,232 |
| Equity capital to assets | 9.5160% | 4,667 |
| Core capital (leverage) ratio | 10.0555% | 3,395 |
| Tier 1 risk-based capital ratio | 13.4733% | 3,839 |
| Total risk-based capital ratio | 14.4555% | 3,905 |
| Memoranda: | ||
| Average total assets | $174,880,600 | 3,477 |
| Average earning assets | $160,374,400 | 3,464 |
| Average equity | $17,111,200 | 3,719 |
| Average total loans | $116,226,600 | 3,543 |