Home > McFarland State Bank > Performance and Condition Ratios
McFarland State Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8813% | 5,113 |
| Cost of funding earning assets | 0.1907% | 4,910 |
| Net interest margin | 0.6906% | 5,109 |
| Noninterest income to average assets | 0.1359% | 4,687 |
| Noninterest expense to average assets | 0.3221% | 5,107 |
| Loan and lease loss provision to assets | 0.0324% | 3,367 |
| Net operating income to assets | 0.2962% | 4,355 |
| Return on assets (ROA) | 0.2962% | 4,376 |
| Pretax return on assets | 0.4062% | 4,281 |
| Return on Equity (ROE) | 2.3644% | 4,372 |
| Retained earnings to average equity (ytd only) | 2.3644% | 3,315 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3440% | 4,932 |
| Assets per employee ($millions) | 8.1253% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0097% | 5,066 |
| Loan loss allowance to noncurrent loans | 9.9778% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 4,221 |
| Noncurrent loans to loans | 0.0974% | 4,118 |
| Net loans and leases to total assets | 79.1026% | 808 |
| Net loans and leases to deposits | 103.8169% | 371 |
| Net loans and leases to core deposits | 121.2034% | 435 |
| Total domestic deposits to total assets | 76.1943% | 4,467 |
| Equity capital to assets | 13.3894% | 1,265 |
| Core capital (leverage) ratio | 8.6591% | 4,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.2927% | 3,393 |
| Memoranda: | ||
| Average total assets | $556,398,500 | 1,342 |
| Average earning assets | $503,337,000 | 1,374 |
| Average equity | $69,702,000 | 1,264 |
| Average total loans | $450,221,000 | 1,185 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9394% | 1,634 |
| Cost of funding earning assets | 1.1904% | 1,045 |
| Net interest margin | 3.7491% | 2,665 |
| Noninterest income to average assets | 0.5550% | 2,443 |
| Noninterest expense to average assets | 2.7469% | 2,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3051% | 1,670 |
| Return on assets (ROA) | 1.4760% | 1,167 |
| Pretax return on assets | 1.4760% | 1,883 |
| Return on Equity (ROE) | 13.2105% | 1,112 |
| Retained earnings to average equity (ytd only) | 12.3344% | 217 |
| Net charge-offs to loans | -0.0040% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3173% | 2,559 |
| Assets per employee ($millions) | 6.7663% | 1,145 |
| Cash dividends to net income (ytd only)* | 6.6313% | 3,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 1,576 |
| Loan loss allowance to noncurrent loans | 7,766.6667% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 4,588 |
| Noncurrent loans to loans | 0.0178% | 4,502 |
| Net loans and leases to total assets | 81.7719% | 580 |
| Net loans and leases to deposits | 102.5083% | 441 |
| Net loans and leases to core deposits | 120.3026% | 470 |
| Total domestic deposits to total assets | 79.7710% | 4,025 |
| Equity capital to assets | 11.5718% | 2,469 |
| Core capital (leverage) ratio | 11.9030% | 1,838 |
| Tier 1 risk-based capital ratio | 13.5963% | 3,461 |
| Total risk-based capital ratio | 14.8477% | 3,373 |
| Memoranda: | ||
| Average total assets | $510,828,000 | 1,398 |
| Average earning assets | $476,490,400 | 1,394 |
| Average equity | $57,076,000 | 1,425 |
| Average total loans | $425,682,000 | 1,208 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0254% | 1,478 |
| Cost of funding earning assets | 1.2254% | 964 |
| Net interest margin | 3.8000% | 2,600 |
| Noninterest income to average assets | 0.4345% | 3,113 |
| Noninterest expense to average assets | 2.7235% | 2,797 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2588% | 1,992 |
| Return on assets (ROA) | 1.4886% | 1,276 |
| Pretax return on assets | 1.4886% | 1,991 |
| Return on Equity (ROE) | 13.4479% | 1,125 |
| Retained earnings to average equity (ytd only) | 12.2591% | 355 |
| Net charge-offs to loans | -0.0095% | 4,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9069% | 2,436 |
| Assets per employee ($millions) | 6.2796% | 1,403 |
| Cash dividends to net income (ytd only)* | 8.8402% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 1,437 |
| Loan loss allowance to noncurrent loans | 7,495.0617% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 4,671 |
| Noncurrent loans to loans | 0.0192% | 4,589 |
| Net loans and leases to total assets | 82.9624% | 452 |
| Net loans and leases to deposits | 102.7076% | 463 |
| Net loans and leases to core deposits | 118.3920% | 578 |
| Total domestic deposits to total assets | 80.7753% | 3,811 |
| Equity capital to assets | 11.8141% | 2,407 |
| Core capital (leverage) ratio | 11.5209% | 2,200 |
| Tier 1 risk-based capital ratio | 13.6632% | 3,497 |
| Total risk-based capital ratio | 14.9151% | 3,403 |
| Memoranda: | ||
| Average total assets | $506,591,750 | 1,417 |
| Average earning assets | $472,972,750 | 1,409 |
| Average equity | $56,076,750 | 1,442 |
| Average total loans | $422,695,500 | 1,218 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 1,832 |
| Cost of funding earning assets | 1.1935% | 1,016 |
| Net interest margin | 3.6831% | 2,981 |
| Noninterest income to average assets | 0.5441% | 2,416 |
| Noninterest expense to average assets | 2.7220% | 2,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2602% | 1,922 |
| Return on assets (ROA) | 1.2693% | 1,948 |
| Pretax return on assets | 1.2693% | 2,676 |
| Return on Equity (ROE) | 11.7267% | 1,686 |
| Retained earnings to average equity (ytd only) | 9.9080% | 789 |
| Net charge-offs to loans | -0.0132% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8794% | 2,551 |
| Assets per employee ($millions) | 6.5341% | 1,221 |
| Cash dividends to net income (ytd only)* | 15.5087% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 1,601 |
| Loan loss allowance to noncurrent loans | 7,402.4390% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 4,712 |
| Noncurrent loans to loans | 0.0189% | 4,631 |
| Net loans and leases to total assets | 82.6634% | 518 |
| Net loans and leases to deposits | 99.5514% | 709 |
| Net loans and leases to core deposits | 117.7620% | 615 |
| Total domestic deposits to total assets | 83.0359% | 3,186 |
| Equity capital to assets | 11.0010% | 3,055 |
| Core capital (leverage) ratio | 11.1345% | 2,479 |
| Tier 1 risk-based capital ratio | 12.6821% | 4,026 |
| Total risk-based capital ratio | 13.9337% | 3,922 |
| Memoranda: | ||
| Average total assets | $508,000,670 | 1,412 |
| Average earning assets | $474,221,670 | 1,403 |
| Average equity | $54,985,670 | 1,455 |
| Average total loans | $422,645,670 | 1,225 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7803% | 1,959 |
| Cost of funding earning assets | 1.1968% | 911 |
| Net interest margin | 3.5835% | 3,311 |
| Noninterest income to average assets | 0.4771% | 2,696 |
| Noninterest expense to average assets | 2.6505% | 3,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1685% | 2,182 |
| Return on assets (ROA) | 1.1867% | 2,154 |
| Pretax return on assets | 1.1867% | 2,858 |
| Return on Equity (ROE) | 11.0566% | 1,927 |
| Retained earnings to average equity (ytd only) | 11.0566% | 790 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9046% | 2,517 |
| Assets per employee ($millions) | 6.2840% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 1,570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 80.7814% | 745 |
| Net loans and leases to deposits | 100.1417% | 624 |
| Net loans and leases to core deposits | 118.5326% | 567 |
| Total domestic deposits to total assets | 80.6671% | 4,030 |
| Equity capital to assets | 10.7080% | 3,155 |
| Core capital (leverage) ratio | 10.9627% | 2,606 |
| Tier 1 risk-based capital ratio | 12.6149% | 4,087 |
| Total risk-based capital ratio | 13.8664% | 3,967 |
| Memoranda: | ||
| Average total assets | $503,906,000 | 1,426 |
| Average earning assets | $469,926,000 | 1,421 |
| Average equity | $54,085,500 | 1,468 |
| Average total loans | $417,583,500 | 1,237 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6653% | 1,940 |
| Cost of funding earning assets | 0.9309% | 994 |
| Net interest margin | 3.7344% | 2,925 |
| Noninterest income to average assets | 0.3987% | 3,451 |
| Noninterest expense to average assets | 2.7204% | 2,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1477% | 2,398 |
| Return on assets (ROA) | 1.1522% | 2,378 |
| Pretax return on assets | 1.1522% | 3,090 |
| Return on Equity (ROE) | 10.9777% | 2,089 |
| Retained earnings to average equity (ytd only) | 4.1724% | 3,257 |
| Net charge-offs to loans | 0.0007% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1,880.0000% | 53 |
| Efficiency ratio | 69.8127% | 2,216 |
| Assets per employee ($millions) | 5.7270% | 1,740 |
| Cash dividends to net income (ytd only)* | 61.9922% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 1,406 |
| Loan loss allowance to noncurrent loans | 1,899.6855% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 4,512 |
| Noncurrent loans to loans | 0.0770% | 4,411 |
| Net loans and leases to total assets | 82.6006% | 573 |
| Net loans and leases to deposits | 111.2269% | 221 |
| Net loans and leases to core deposits | 128.2471% | 351 |
| Total domestic deposits to total assets | 74.2632% | 4,929 |
| Equity capital to assets | 10.7597% | 2,924 |
| Core capital (leverage) ratio | 10.8293% | 2,696 |
| Tier 1 risk-based capital ratio | 12.5277% | 4,118 |
| Total risk-based capital ratio | 13.7796% | 3,990 |
| Memoranda: | ||
| Average total assets | $491,407,000 | 1,435 |
| Average earning assets | $456,543,800 | 1,428 |
| Average equity | $51,577,400 | 1,471 |
| Average total loans | $410,415,600 | 1,229 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5942% | 1,990 |
| Cost of funding earning assets | 0.8857% | 979 |
| Net interest margin | 3.7085% | 2,990 |
| Noninterest income to average assets | 0.5620% | 2,510 |
| Noninterest expense to average assets | 2.5915% | 3,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4147% | 1,436 |
| Return on assets (ROA) | 1.4206% | 1,414 |
| Pretax return on assets | 1.4206% | 2,153 |
| Return on Equity (ROE) | 13.6211% | 1,228 |
| Retained earnings to average equity (ytd only) | 4.4848% | 3,503 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1933% | 3,151 |
| Assets per employee ($millions) | 5.5907% | 1,834 |
| Cash dividends to net income (ytd only)* | 67.0743% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4657% | 1,471 |
| Loan loss allowance to noncurrent loans | 1,859.6923% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 4,655 |
| Noncurrent loans to loans | 0.0788% | 4,526 |
| Net loans and leases to total assets | 81.6622% | 768 |
| Net loans and leases to deposits | 109.8152% | 294 |
| Net loans and leases to core deposits | 123.0900% | 486 |
| Total domestic deposits to total assets | 74.3633% | 4,947 |
| Equity capital to assets | 10.4271% | 3,208 |
| Core capital (leverage) ratio | 10.8585% | 2,721 |
| Tier 1 risk-based capital ratio | 12.1732% | 4,392 |
| Total risk-based capital ratio | 15.0267% | 3,387 |
| Memoranda: | ||
| Average total assets | $491,127,750 | 1,436 |
| Average earning assets | $456,132,750 | 1,428 |
| Average equity | $51,223,250 | 1,477 |
| Average total loans | $409,802,250 | 1,230 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5369% | 1,973 |
| Cost of funding earning assets | 0.8369% | 977 |
| Net interest margin | 3.7000% | 2,925 |
| Noninterest income to average assets | 0.5689% | 2,481 |
| Noninterest expense to average assets | 2.6173% | 3,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3890% | 1,476 |
| Return on assets (ROA) | 1.3890% | 1,477 |
| Pretax return on assets | 1.3890% | 2,190 |
| Return on Equity (ROE) | 13.3167% | 1,261 |
| Retained earnings to average equity (ytd only) | 1.5136% | 4,636 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8392% | 3,186 |
| Assets per employee ($millions) | 5.4502% | 1,938 |
| Cash dividends to net income (ytd only)* | 88.6337% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 1,404 |
| Loan loss allowance to noncurrent loans | 772.8900% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 4,189 |
| Noncurrent loans to loans | 0.1938% | 4,031 |
| Net loans and leases to total assets | 81.0103% | 857 |
| Net loans and leases to deposits | 106.6170% | 410 |
| Net loans and leases to core deposits | 115.4105% | 728 |
| Total domestic deposits to total assets | 75.9826% | 4,854 |
| Equity capital to assets | 10.3692% | 3,251 |
| Core capital (leverage) ratio | 10.7239% | 2,777 |
| Tier 1 risk-based capital ratio | 12.1184% | 4,422 |
| Total risk-based capital ratio | 15.0068% | 3,388 |
| Memoranda: | ||
| Average total assets | $488,981,000 | 1,444 |
| Average earning assets | $454,272,330 | 1,436 |
| Average equity | $51,003,670 | 1,489 |
| Average total loans | $408,946,670 | 1,236 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5222% | 1,798 |
| Cost of funding earning assets | 0.7766% | 1,069 |
| Net interest margin | 3.7456% | 2,633 |
| Noninterest income to average assets | 0.5055% | 2,767 |
| Noninterest expense to average assets | 2.5169% | 3,593 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4699% | 1,150 |
| Return on assets (ROA) | 1.4699% | 1,149 |
| Pretax return on assets | 1.4699% | 1,766 |
| Return on Equity (ROE) | 14.0502% | 1,003 |
| Retained earnings to average equity (ytd only) | 2.2634% | 4,260 |
| Net charge-offs to loans | -0.0010% | 3,756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6387% | 3,680 |
| Assets per employee ($millions) | 5.8676% | 1,637 |
| Cash dividends to net income (ytd only)* | 83.8907% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 1,481 |
| Loan loss allowance to noncurrent loans | 631.6614% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 4,110 |
| Noncurrent loans to loans | 0.2368% | 3,926 |
| Net loans and leases to total assets | 80.7863% | 824 |
| Net loans and leases to deposits | 108.8260% | 296 |
| Net loans and leases to core deposits | 118.5823% | 631 |
| Total domestic deposits to total assets | 74.2344% | 5,128 |
| Equity capital to assets | 10.3310% | 3,239 |
| Core capital (leverage) ratio | 10.5725% | 2,867 |
| Tier 1 risk-based capital ratio | 11.9149% | 4,594 |
| Total risk-based capital ratio | 14.7795% | 3,550 |
| Memoranda: | ||
| Average total assets | $488,212,000 | 1,452 |
| Average earning assets | $453,764,500 | 1,450 |
| Average equity | $51,074,000 | 1,504 |
| Average total loans | $411,712,500 | 1,234 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4970% | 1,712 |
| Cost of funding earning assets | 0.5941% | 1,632 |
| Net interest margin | 3.9029% | 2,083 |
| Noninterest income to average assets | 0.5717% | 2,600 |
| Noninterest expense to average assets | 2.4184% | 4,024 |
| Loan and lease loss provision to assets | -0.4336% | 5,641 |
| Net operating income to assets | 2.2166% | 189 |
| Return on assets (ROA) | 2.2166% | 190 |
| Pretax return on assets | 2.2166% | 311 |
| Return on Equity (ROE) | 20.9825% | 163 |
| Retained earnings to average equity (ytd only) | 9.6858% | 396 |
| Net charge-offs to loans | -0.1467% | 5,462 |
| Credit loss provision to net charge-offs | 336.7003% | 857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0559% | 4,648 |
| Assets per employee ($millions) | 6.0443% | 1,485 |
| Cash dividends to net income (ytd only)* | 53.8386% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 1,609 |
| Loan loss allowance to noncurrent loans | 578.9272% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 4,058 |
| Noncurrent loans to loans | 0.2490% | 3,899 |
| Net loans and leases to total assets | 85.4434% | 293 |
| Net loans and leases to deposits | 115.2675% | 162 |
| Net loans and leases to core deposits | 126.0243% | 433 |
| Total domestic deposits to total assets | 74.1261% | 5,173 |
| Equity capital to assets | 10.5944% | 3,057 |
| Core capital (leverage) ratio | 11.0392% | 2,304 |
| Tier 1 risk-based capital ratio | 11.5878% | 4,800 |
| Total risk-based capital ratio | 14.4158% | 3,730 |
| Memoranda: | ||
| Average total assets | $461,291,600 | 1,510 |
| Average earning assets | $429,019,400 | 1,506 |
| Average equity | $48,731,000 | 1,552 |
| Average total loans | $405,032,600 | 1,219 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 1,661 |
| Cost of funding earning assets | 0.5768% | 1,697 |
| Net interest margin | 3.9174% | 1,981 |
| Noninterest income to average assets | 0.5638% | 2,653 |
| Noninterest expense to average assets | 2.3941% | 4,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.8159% | 455 |
| Return on assets (ROA) | 1.8159% | 465 |
| Pretax return on assets | 1.8159% | 854 |
| Return on Equity (ROE) | 17.2031% | 398 |
| Retained earnings to average equity (ytd only) | 8.2925% | 1,098 |
| Net charge-offs to loans | -0.1919% | 5,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3586% | 4,692 |
| Assets per employee ($millions) | 5.7067% | 1,709 |
| Cash dividends to net income (ytd only)* | 51.7964% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9451% | 641 |
| Loan loss allowance to noncurrent loans | 807.6459% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 3,560 |
| Noncurrent loans to loans | 0.2408% | 4,091 |
| Net loans and leases to total assets | 87.5521% | 171 |
| Net loans and leases to deposits | 113.6073% | 191 |
| Net loans and leases to core deposits | 125.7356% | 416 |
| Total domestic deposits to total assets | 77.0655% | 4,877 |
| Equity capital to assets | 10.7579% | 3,109 |
| Core capital (leverage) ratio | 10.8542% | 2,593 |
| Tier 1 risk-based capital ratio | 10.8068% | 5,343 |
| Total risk-based capital ratio | 13.5850% | 4,325 |
| Memoranda: | ||
| Average total assets | $455,728,000 | 1,541 |
| Average earning assets | $424,178,000 | 1,535 |
| Average equity | $48,106,500 | 1,583 |
| Average total loans | $401,490,250 | 1,236 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 1,666 |
| Cost of funding earning assets | 0.5595% | 1,715 |
| Net interest margin | 3.8913% | 1,960 |
| Noninterest income to average assets | 0.5583% | 2,665 |
| Noninterest expense to average assets | 2.5104% | 3,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6668% | 604 |
| Return on assets (ROA) | 1.6668% | 624 |
| Pretax return on assets | 1.6668% | 1,134 |
| Return on Equity (ROE) | 15.8936% | 545 |
| Retained earnings to average equity (ytd only) | 7.4843% | 1,362 |
| Net charge-offs to loans | -0.2876% | 5,637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5904% | 4,379 |
| Assets per employee ($millions) | 5.9531% | 1,500 |
| Cash dividends to net income (ytd only)* | 52.9101% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9725% | 635 |
| Loan loss allowance to noncurrent loans | 576.2931% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.4774% | 3,184 |
| Noncurrent loans to loans | 0.3423% | 3,817 |
| Net loans and leases to total assets | 84.7707% | 365 |
| Net loans and leases to deposits | 111.0760% | 240 |
| Net loans and leases to core deposits | 124.2450% | 428 |
| Total domestic deposits to total assets | 76.3178% | 5,051 |
| Equity capital to assets | 10.3220% | 3,548 |
| Core capital (leverage) ratio | 10.7048% | 2,696 |
| Tier 1 risk-based capital ratio | 10.5209% | 5,448 |
| Total risk-based capital ratio | 13.2967% | 4,484 |
| Memoranda: | ||
| Average total assets | $453,557,670 | 1,550 |
| Average earning assets | $421,810,670 | 1,543 |
| Average equity | $47,566,330 | 1,600 |
| Average total loans | $397,744,330 | 1,247 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4147% | 1,600 |
| Cost of funding earning assets | 0.5338% | 1,836 |
| Net interest margin | 3.8809% | 1,847 |
| Noninterest income to average assets | 0.5589% | 2,618 |
| Noninterest expense to average assets | 2.4538% | 3,951 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7045% | 544 |
| Return on assets (ROA) | 1.7045% | 556 |
| Pretax return on assets | 1.7045% | 997 |
| Return on Equity (ROE) | 16.1181% | 514 |
| Retained earnings to average equity (ytd only) | 7.6215% | 1,603 |
| Net charge-offs to loans | -0.0702% | 5,324 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4918% | 4,660 |
| Assets per employee ($millions) | 5.5542% | 1,833 |
| Cash dividends to net income (ytd only)* | 52.7148% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8655% | 848 |
| Loan loss allowance to noncurrent loans | 753.4068% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 3,541 |
| Noncurrent loans to loans | 0.2476% | 4,218 |
| Net loans and leases to total assets | 86.8445% | 166 |
| Net loans and leases to deposits | 116.2322% | 118 |
| Net loans and leases to core deposits | 131.8368% | 240 |
| Total domestic deposits to total assets | 74.7164% | 5,361 |
| Equity capital to assets | 10.4410% | 3,247 |
| Core capital (leverage) ratio | 10.8854% | 2,499 |
| Tier 1 risk-based capital ratio | 10.3652% | 5,602 |
| Total risk-based capital ratio | 13.1456% | 4,688 |
| Memoranda: | ||
| Average total assets | $445,187,500 | 1,580 |
| Average earning assets | $412,890,500 | 1,579 |
| Average equity | $47,077,500 | 1,612 |
| Average total loans | $393,268,000 | 1,263 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7257% | 1,013 |
| Cost of funding earning assets | 0.6216% | 1,197 |
| Net interest margin | 4.1042% | 1,369 |
| Noninterest income to average assets | 0.6984% | 2,183 |
| Noninterest expense to average assets | 3.1484% | 1,903 |
| Loan and lease loss provision to assets | -0.2323% | 5,801 |
| Net operating income to assets | 1.5652% | 734 |
| Return on assets (ROA) | 1.5652% | 761 |
| Pretax return on assets | 1.5652% | 1,379 |
| Return on Equity (ROE) | 14.6204% | 685 |
| Retained earnings to average equity (ytd only) | 5.0283% | 2,327 |
| Net charge-offs to loans | -0.1634% | 5,702 |
| Credit loss provision to net charge-offs | 164.2036% | 1,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7496% | 2,948 |
| Assets per employee ($millions) | 5.3695% | 1,989 |
| Cash dividends to net income (ytd only)* | 65.6078% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9427% | 739 |
| Loan loss allowance to noncurrent loans | 2,491.6388% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.3143% | 4,018 |
| Noncurrent loans to loans | 0.0780% | 4,927 |
| Net loans and leases to total assets | 86.4594% | 213 |
| Net loans and leases to deposits | 115.9409% | 132 |
| Net loans and leases to core deposits | 127.7407% | 313 |
| Total domestic deposits to total assets | 74.5720% | 5,392 |
| Equity capital to assets | 10.7148% | 2,905 |
| Core capital (leverage) ratio | 10.7129% | 2,639 |
| Tier 1 risk-based capital ratio | 10.6128% | 5,520 |
| Total risk-based capital ratio | 13.4588% | 4,449 |
| Memoranda: | ||
| Average total assets | $430,434,400 | 1,578 |
| Average earning assets | $396,743,600 | 1,585 |
| Average equity | $46,079,400 | 1,639 |
| Average total loans | $372,727,000 | 1,266 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7402% | 998 |
| Cost of funding earning assets | 0.6632% | 988 |
| Net interest margin | 4.0769% | 1,455 |
| Noninterest income to average assets | 0.6081% | 2,620 |
| Noninterest expense to average assets | 2.9057% | 2,631 |
| Loan and lease loss provision to assets | -0.3106% | 5,912 |
| Net operating income to assets | 1.7681% | 519 |
| Return on assets (ROA) | 1.7681% | 548 |
| Pretax return on assets | 1.7681% | 958 |
| Return on Equity (ROE) | 16.5194% | 490 |
| Retained earnings to average equity (ytd only) | 6.9728% | 1,641 |
| Net charge-offs to loans | -0.2054% | 5,771 |
| Credit loss provision to net charge-offs | 175.4386% | 1,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0830% | 3,576 |
| Assets per employee ($millions) | 5.2911% | 2,056 |
| Cash dividends to net income (ytd only)* | 57.7903% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9309% | 812 |
| Loan loss allowance to noncurrent loans | 834.5721% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.8286% | 2,474 |
| Noncurrent loans to loans | 0.2314% | 4,440 |
| Net loans and leases to total assets | 85.7070% | 271 |
| Net loans and leases to deposits | 119.7886% | 114 |
| Net loans and leases to core deposits | 134.7391% | 246 |
| Total domestic deposits to total assets | 71.5485% | 5,616 |
| Equity capital to assets | 10.7632% | 3,295 |
| Core capital (leverage) ratio | 10.9241% | 2,534 |
| Tier 1 risk-based capital ratio | 10.5743% | 5,586 |
| Total risk-based capital ratio | 13.4097% | 4,596 |
| Memoranda: | ||
| Average total assets | $429,310,500 | 1,578 |
| Average earning assets | $395,418,500 | 1,590 |
| Average equity | $45,948,750 | 1,651 |
| Average total loans | $370,036,750 | 1,274 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7648% | 940 |
| Cost of funding earning assets | 0.7592% | 598 |
| Net interest margin | 4.0057% | 1,623 |
| Noninterest income to average assets | 0.6159% | 2,536 |
| Noninterest expense to average assets | 3.0322% | 2,247 |
| Loan and lease loss provision to assets | -0.4695% | 6,014 |
| Net operating income to assets | 1.7440% | 526 |
| Return on assets (ROA) | 1.7440% | 559 |
| Pretax return on assets | 1.7440% | 992 |
| Return on Equity (ROE) | 16.3264% | 494 |
| Retained earnings to average equity (ytd only) | 6.8338% | 1,698 |
| Net charge-offs to loans | -0.0142% | 4,816 |
| Credit loss provision to net charge-offs | 3,846.1538% | 112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8714% | 2,999 |
| Assets per employee ($millions) | 5.3066% | 1,978 |
| Cash dividends to net income (ytd only)* | 58.1427% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8676% | 948 |
| Loan loss allowance to noncurrent loans | 752.9605% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.8628% | 2,437 |
| Noncurrent loans to loans | 0.2480% | 4,463 |
| Net loans and leases to total assets | 84.9968% | 327 |
| Net loans and leases to deposits | 115.1229% | 159 |
| Net loans and leases to core deposits | 127.8290% | 334 |
| Total domestic deposits to total assets | 73.8314% | 5,530 |
| Equity capital to assets | 10.9549% | 3,109 |
| Core capital (leverage) ratio | 11.0523% | 2,385 |
| Tier 1 risk-based capital ratio | 10.8856% | 5,487 |
| Total risk-based capital ratio | 13.7975% | 4,400 |
| Memoranda: | ||
| Average total assets | $426,025,670 | 1,593 |
| Average earning assets | $392,543,670 | 1,598 |
| Average equity | $45,509,000 | 1,664 |
| Average total loans | $365,447,000 | 1,283 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7782% | 894 |
| Cost of funding earning assets | 0.7760% | 562 |
| Net interest margin | 4.0022% | 1,607 |
| Noninterest income to average assets | 0.6814% | 2,131 |
| Noninterest expense to average assets | 2.4790% | 4,133 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8905% | 405 |
| Return on assets (ROA) | 1.8905% | 431 |
| Pretax return on assets | 1.8905% | 707 |
| Return on Equity (ROE) | 17.9247% | 357 |
| Retained earnings to average equity (ytd only) | 8.3269% | 1,332 |
| Net charge-offs to loans | 0.1493% | 1,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 14.8309% | 1,682 |
| Efficiency ratio | 56.2205% | 5,175 |
| Assets per employee ($millions) | 5.0893% | 2,252 |
| Cash dividends to net income (ytd only)* | 53.5449% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1291% | 655 |
| Loan loss allowance to noncurrent loans | 1,385.7914% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.7829% | 2,741 |
| Noncurrent loans to loans | 0.1536% | 4,863 |
| Net loans and leases to total assets | 83.8476% | 386 |
| Net loans and leases to deposits | 114.5812% | 142 |
| Net loans and leases to core deposits | 128.4785% | 295 |
| Total domestic deposits to total assets | 73.1774% | 5,683 |
| Equity capital to assets | 10.8112% | 3,154 |
| Core capital (leverage) ratio | 10.9791% | 2,424 |
| Tier 1 risk-based capital ratio | 11.0295% | 5,486 |
| Total risk-based capital ratio | 13.9895% | 4,341 |
| Memoranda: | ||
| Average total assets | $426,776,500 | 1,587 |
| Average earning assets | $393,284,000 | 1,597 |
| Average equity | $45,010,500 | 1,675 |
| Average total loans | $364,321,000 | 1,286 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 634 |
| Cost of funding earning assets | 0.7755% | 558 |
| Net interest margin | 4.2204% | 1,124 |
| Noninterest income to average assets | 0.2813% | 4,872 |
| Noninterest expense to average assets | 2.4477% | 4,388 |
| Loan and lease loss provision to assets | -0.3779% | 6,097 |
| Net operating income to assets | 2.1104% | 288 |
| Return on assets (ROA) | 2.1104% | 293 |
| Pretax return on assets | 2.1104% | 416 |
| Return on Equity (ROE) | 16.3043% | 523 |
| Retained earnings to average equity (ytd only) | 6.5425% | 1,515 |
| Net charge-offs to loans | 0.0252% | 3,733 |
| Credit loss provision to net charge-offs | -1,758.2418% | 5,629 |
| Earnings coverage of net charge-offs (x) | 80.5934% | 697 |
| Efficiency ratio | 58.0018% | 5,145 |
| Assets per employee ($millions) | 5.2578% | 2,051 |
| Cash dividends to net income (ytd only)* | 59.8724% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1379% | 652 |
| Loan loss allowance to noncurrent loans | 909.6288% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.8088% | 2,645 |
| Noncurrent loans to loans | 0.2350% | 4,582 |
| Net loans and leases to total assets | 83.2474% | 463 |
| Net loans and leases to deposits | 115.9441% | 144 |
| Net loans and leases to core deposits | 130.0937% | 266 |
| Total domestic deposits to total assets | 71.7996% | 5,809 |
| Equity capital to assets | 10.2874% | 3,638 |
| Core capital (leverage) ratio | 10.9144% | 2,481 |
| Tier 1 risk-based capital ratio | 10.8685% | 5,592 |
| Total risk-based capital ratio | 13.8398% | 4,469 |
| Memoranda: | ||
| Average total assets | $423,341,400 | 1,570 |
| Average earning assets | $391,077,600 | 1,559 |
| Average equity | $54,795,200 | 1,362 |
| Average total loans | $361,445,000 | 1,256 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9810% | 649 |
| Cost of funding earning assets | 0.7855% | 535 |
| Net interest margin | 4.1955% | 1,176 |
| Noninterest income to average assets | 0.2876% | 4,885 |
| Noninterest expense to average assets | 2.4711% | 4,282 |
| Loan and lease loss provision to assets | -0.5062% | 6,211 |
| Net operating income to assets | 2.1981% | 263 |
| Return on assets (ROA) | 2.1981% | 271 |
| Pretax return on assets | 2.1981% | 414 |
| Return on Equity (ROE) | 16.1350% | 569 |
| Retained earnings to average equity (ytd only) | 7.1954% | 1,602 |
| Net charge-offs to loans | 0.0167% | 3,620 |
| Credit loss provision to net charge-offs | -3,555.5556% | 5,666 |
| Earnings coverage of net charge-offs (x) | 118.8193% | 541 |
| Efficiency ratio | 58.8052% | 5,029 |
| Assets per employee ($millions) | 5.1255% | 2,147 |
| Cash dividends to net income (ytd only)* | 55.4052% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1895% | 677 |
| Loan loss allowance to noncurrent loans | 793.4608% | 708 |
| Noncurrent assets plus other real estate owned to assets | 1.2082% | 1,952 |
| Noncurrent loans to loans | 0.2759% | 4,590 |
| Net loans and leases to total assets | 84.8651% | 315 |
| Net loans and leases to deposits | 117.8238% | 125 |
| Net loans and leases to core deposits | 132.3850% | 246 |
| Total domestic deposits to total assets | 72.0272% | 5,857 |
| Equity capital to assets | 14.2331% | 937 |
| Core capital (leverage) ratio | 13.9936% | 869 |
| Tier 1 risk-based capital ratio | 14.8990% | 3,345 |
| Total risk-based capital ratio | 17.9284% | 2,447 |
| Memoranda: | ||
| Average total assets | $421,391,750 | 1,588 |
| Average earning assets | $389,232,000 | 1,578 |
| Average equity | $57,405,750 | 1,314 |
| Average total loans | $360,117,750 | 1,261 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9432% | 662 |
| Cost of funding earning assets | 0.7951% | 513 |
| Net interest margin | 4.1480% | 1,229 |
| Noninterest income to average assets | 0.3797% | 4,235 |
| Noninterest expense to average assets | 2.4035% | 4,532 |
| Loan and lease loss provision to assets | -0.7557% | 6,306 |
| Net operating income to assets | 2.5608% | 157 |
| Return on assets (ROA) | 2.5608% | 162 |
| Pretax return on assets | 2.5608% | 230 |
| Return on Equity (ROE) | 19.0768% | 331 |
| Retained earnings to average equity (ytd only) | 8.8804% | 968 |
| Net charge-offs to loans | -0.0083% | 4,877 |
| Credit loss provision to net charge-offs | 10,666.6667% | 42 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5593% | 5,376 |
| Assets per employee ($millions) | 5.2861% | 1,938 |
| Cash dividends to net income (ytd only)* | 53.4489% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2485% | 683 |
| Loan loss allowance to noncurrent loans | 657.8642% | 809 |
| Noncurrent assets plus other real estate owned to assets | 1.4113% | 1,778 |
| Noncurrent loans to loans | 0.3418% | 4,465 |
| Net loans and leases to total assets | 80.6898% | 712 |
| Net loans and leases to deposits | 110.1029% | 258 |
| Net loans and leases to core deposits | 123.4451% | 383 |
| Total domestic deposits to total assets | 73.2858% | 5,845 |
| Equity capital to assets | 13.6288% | 1,117 |
| Core capital (leverage) ratio | 14.2463% | 776 |
| Tier 1 risk-based capital ratio | 14.8039% | 3,470 |
| Total risk-based capital ratio | 17.8398% | 2,526 |
| Memoranda: | ||
| Average total assets | $423,466,670 | 1,591 |
| Average earning assets | $390,882,670 | 1,582 |
| Average equity | $56,844,000 | 1,335 |
| Average total loans | $360,084,000 | 1,269 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0296% | 552 |
| Cost of funding earning assets | 0.8453% | 389 |
| Net interest margin | 4.1843% | 1,099 |
| Noninterest income to average assets | 0.4787% | 3,438 |
| Noninterest expense to average assets | 2.5447% | 4,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7895% | 488 |
| Return on assets (ROA) | 1.7895% | 514 |
| Pretax return on assets | 1.7895% | 880 |
| Return on Equity (ROE) | 13.4359% | 1,000 |
| Retained earnings to average equity (ytd only) | 2.0396% | 4,659 |
| Net charge-offs to loans | 0.2895% | 826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.1635% | 2,203 |
| Efficiency ratio | 58.1854% | 5,314 |
| Assets per employee ($millions) | 5.1897% | 2,124 |
| Cash dividends to net income (ytd only)* | 84.8195% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5391% | 505 |
| Loan loss allowance to noncurrent loans | 686.5926% | 756 |
| Noncurrent assets plus other real estate owned to assets | 1.8517% | 1,318 |
| Noncurrent loans to loans | 0.3698% | 4,483 |
| Net loans and leases to total assets | 85.6941% | 211 |
| Net loans and leases to deposits | 117.7364% | 116 |
| Net loans and leases to core deposits | 132.4307% | 223 |
| Total domestic deposits to total assets | 72.7847% | 5,995 |
| Equity capital to assets | 13.5561% | 1,148 |
| Core capital (leverage) ratio | 13.4667% | 983 |
| Tier 1 risk-based capital ratio | 13.9480% | 4,058 |
| Total risk-based capital ratio | 16.9552% | 2,996 |
| Memoranda: | ||
| Average total assets | $421,113,500 | 1,607 |
| Average earning assets | $388,023,500 | 1,598 |
| Average equity | $56,088,500 | 1,357 |
| Average total loans | $363,406,500 | 1,262 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0096% | 752 |
| Cost of funding earning assets | 0.9106% | 369 |
| Net interest margin | 4.0989% | 1,584 |
| Noninterest income to average assets | 0.4745% | 3,678 |
| Noninterest expense to average assets | 2.5142% | 4,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7068% | 573 |
| Return on assets (ROA) | 1.7068% | 594 |
| Pretax return on assets | 1.7068% | 972 |
| Return on Equity (ROE) | 13.1059% | 1,114 |
| Retained earnings to average equity (ytd only) | 3.6745% | 3,609 |
| Net charge-offs to loans | 0.3842% | 1,112 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.3186% | 3,454 |
| Efficiency ratio | 59.0155% | 5,345 |
| Assets per employee ($millions) | 5.3381% | 1,913 |
| Cash dividends to net income (ytd only)* | 71.9634% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6349% | 466 |
| Loan loss allowance to noncurrent loans | 411.9274% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 1.9401% | 1,327 |
| Noncurrent loans to loans | 0.6396% | 3,770 |
| Net loans and leases to total assets | 82.4798% | 474 |
| Net loans and leases to deposits | 112.1381% | 191 |
| Net loans and leases to core deposits | 125.2316% | 299 |
| Total domestic deposits to total assets | 73.5520% | 5,977 |
| Equity capital to assets | 13.0887% | 1,324 |
| Core capital (leverage) ratio | 13.0843% | 1,103 |
| Tier 1 risk-based capital ratio | 14.2320% | 3,938 |
| Total risk-based capital ratio | 17.2910% | 2,882 |
| Memoranda: | ||
| Average total assets | $422,556,000 | 1,569 |
| Average earning assets | $386,222,200 | 1,573 |
| Average equity | $55,028,600 | 1,327 |
| Average total loans | $352,925,400 | 1,251 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0468% | 710 |
| Cost of funding earning assets | 0.9116% | 392 |
| Net interest margin | 4.1352% | 1,474 |
| Noninterest income to average assets | 0.4553% | 3,858 |
| Noninterest expense to average assets | 2.5807% | 4,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6477% | 675 |
| Return on assets (ROA) | 1.6477% | 700 |
| Pretax return on assets | 1.6477% | 1,184 |
| Return on Equity (ROE) | 12.6684% | 1,305 |
| Retained earnings to average equity (ytd only) | 3.9309% | 3,849 |
| Net charge-offs to loans | 0.3623% | 1,105 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.4649% | 3,257 |
| Efficiency ratio | 60.4789% | 5,122 |
| Assets per employee ($millions) | 5.5378% | 1,694 |
| Cash dividends to net income (ytd only)* | 68.9707% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8120% | 433 |
| Loan loss allowance to noncurrent loans | 397.4000% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 1.9624% | 1,471 |
| Noncurrent loans to loans | 0.7076% | 3,839 |
| Net loans and leases to total assets | 80.5271% | 657 |
| Net loans and leases to deposits | 109.6961% | 229 |
| Net loans and leases to core deposits | 124.4054% | 306 |
| Total domestic deposits to total assets | 73.4093% | 6,064 |
| Equity capital to assets | 12.9716% | 1,444 |
| Core capital (leverage) ratio | 12.9044% | 1,224 |
| Tier 1 risk-based capital ratio | 14.4324% | 3,922 |
| Total risk-based capital ratio | 17.5326% | 2,869 |
| Memoranda: | ||
| Average total assets | $421,432,750 | 1,584 |
| Average earning assets | $384,522,500 | 1,591 |
| Average equity | $54,812,000 | 1,335 |
| Average total loans | $350,716,500 | 1,265 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1483% | 556 |
| Cost of funding earning assets | 0.9101% | 404 |
| Net interest margin | 4.2382% | 1,157 |
| Noninterest income to average assets | 0.5208% | 3,337 |
| Noninterest expense to average assets | 2.6386% | 4,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7295% | 545 |
| Return on assets (ROA) | 1.7295% | 577 |
| Pretax return on assets | 1.7295% | 962 |
| Return on Equity (ROE) | 13.2857% | 1,100 |
| Retained earnings to average equity (ytd only) | 4.5310% | 3,296 |
| Net charge-offs to loans | 0.2927% | 1,374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.0898% | 2,681 |
| Efficiency ratio | 59.8713% | 5,312 |
| Assets per employee ($millions) | 5.4716% | 1,720 |
| Cash dividends to net income (ytd only)* | 65.8953% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9413% | 407 |
| Loan loss allowance to noncurrent loans | 412.2368% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 2.1464% | 1,434 |
| Noncurrent loans to loans | 0.7135% | 3,919 |
| Net loans and leases to total assets | 79.2111% | 775 |
| Net loans and leases to deposits | 106.8101% | 274 |
| Net loans and leases to core deposits | 120.3174% | 371 |
| Total domestic deposits to total assets | 74.1607% | 6,097 |
| Equity capital to assets | 12.7264% | 1,527 |
| Core capital (leverage) ratio | 13.1897% | 1,089 |
| Tier 1 risk-based capital ratio | 14.2777% | 4,076 |
| Total risk-based capital ratio | 17.3462% | 2,982 |
| Memoranda: | ||
| Average total assets | $419,774,000 | 1,590 |
| Average earning assets | $381,055,670 | 1,608 |
| Average equity | $54,645,330 | 1,329 |
| Average total loans | $349,852,000 | 1,259 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3959% | 350 |
| Cost of funding earning assets | 0.9164% | 412 |
| Net interest margin | 4.4795% | 682 |
| Noninterest income to average assets | 0.6239% | 2,603 |
| Noninterest expense to average assets | 2.8041% | 3,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8814% | 409 |
| Return on assets (ROA) | 1.8814% | 430 |
| Pretax return on assets | 1.8814% | 676 |
| Return on Equity (ROE) | 14.2851% | 891 |
| Retained earnings to average equity (ytd only) | 14.2851% | 372 |
| Net charge-offs to loans | -0.0115% | 5,106 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3518% | 5,494 |
| Assets per employee ($millions) | 5.2891% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1602% | 370 |
| Loan loss allowance to noncurrent loans | 246.0601% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 3.2302% | 835 |
| Noncurrent loans to loans | 1.2843% | 2,886 |
| Net loans and leases to total assets | 80.9482% | 463 |
| Net loans and leases to deposits | 111.6068% | 123 |
| Net loans and leases to core deposits | 127.4461% | 209 |
| Total domestic deposits to total assets | 72.5299% | 6,335 |
| Equity capital to assets | 13.4573% | 1,111 |
| Core capital (leverage) ratio | 13.7127% | 917 |
| Tier 1 risk-based capital ratio | 14.7895% | 3,822 |
| Total risk-based capital ratio | 17.9272% | 2,788 |
| Memoranda: | ||
| Average total assets | $413,531,000 | 1,623 |
| Average earning assets | $374,952,500 | 1,631 |
| Average equity | $54,462,500 | 1,331 |
| Average total loans | $348,391,000 | 1,260 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2523% | 576 |
| Cost of funding earning assets | 1.1211% | 248 |
| Net interest margin | 4.1313% | 1,565 |
| Noninterest income to average assets | 0.4262% | 4,262 |
| Noninterest expense to average assets | 2.5772% | 4,540 |
| Loan and lease loss provision to assets | 0.1179% | 2,842 |
| Net operating income to assets | 1.4462% | 924 |
| Return on assets (ROA) | 1.5776% | 747 |
| Pretax return on assets | 1.5776% | 1,228 |
| Return on Equity (ROE) | 12.6643% | 1,236 |
| Retained earnings to average equity (ytd only) | 4.3496% | 3,084 |
| Net charge-offs to loans | 0.3048% | 2,164 |
| Credit loss provision to net charge-offs | 45.9137% | 3,917 |
| Earnings coverage of net charge-offs (x) | 6.0891% | 3,130 |
| Efficiency ratio | 61.6734% | 5,264 |
| Assets per employee ($millions) | 5.5268% | 1,628 |
| Cash dividends to net income (ytd only)* | 65.6549% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0938% | 421 |
| Loan loss allowance to noncurrent loans | 214.7535% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 3.3688% | 893 |
| Noncurrent loans to loans | 1.4406% | 2,729 |
| Net loans and leases to total assets | 82.2760% | 391 |
| Net loans and leases to deposits | 112.3959% | 130 |
| Net loans and leases to core deposits | 126.0502% | 238 |
| Total domestic deposits to total assets | 73.2020% | 6,337 |
| Equity capital to assets | 12.8843% | 1,332 |
| Core capital (leverage) ratio | 12.9001% | 1,175 |
| Tier 1 risk-based capital ratio | 14.0123% | 4,288 |
| Total risk-based capital ratio | 17.1150% | 3,124 |
| Memoranda: | ||
| Average total assets | $423,942,000 | 1,560 |
| Average earning assets | $381,240,200 | 1,590 |
| Average equity | $52,809,800 | 1,344 |
| Average total loans | $357,226,200 | 1,198 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1735% | 687 |
| Cost of funding earning assets | 1.1803% | 217 |
| Net interest margin | 3.9932% | 1,968 |
| Noninterest income to average assets | 0.8060% | 2,115 |
| Noninterest expense to average assets | 2.7267% | 3,914 |
| Loan and lease loss provision to assets | 0.0938% | 3,199 |
| Net operating income to assets | 1.5738% | 786 |
| Return on assets (ROA) | 1.5738% | 836 |
| Pretax return on assets | 1.5738% | 1,408 |
| Return on Equity (ROE) | 12.7404% | 1,300 |
| Retained earnings to average equity (ytd only) | 4.4029% | 3,538 |
| Net charge-offs to loans | 0.4150% | 1,550 |
| Credit loss provision to net charge-offs | 26.8817% | 3,952 |
| Earnings coverage of net charge-offs (x) | 4.7778% | 3,355 |
| Efficiency ratio | 61.5302% | 5,201 |
| Assets per employee ($millions) | 5.4461% | 1,682 |
| Cash dividends to net income (ytd only)* | 65.4412% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0292% | 537 |
| Loan loss allowance to noncurrent loans | 203.9602% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 3.9238% | 804 |
| Noncurrent loans to loans | 1.4852% | 2,940 |
| Net loans and leases to total assets | 83.5534% | 273 |
| Net loans and leases to deposits | 115.4780% | 101 |
| Net loans and leases to core deposits | 126.5703% | 233 |
| Total domestic deposits to total assets | 72.3544% | 6,468 |
| Equity capital to assets | 12.9904% | 1,335 |
| Core capital (leverage) ratio | 12.6701% | 1,339 |
| Tier 1 risk-based capital ratio | 13.7885% | 4,576 |
| Total risk-based capital ratio | 16.8818% | 3,347 |
| Memoranda: | ||
| Average total assets | $426,299,500 | 1,561 |
| Average earning assets | $383,070,500 | 1,586 |
| Average equity | $52,660,500 | 1,360 |
| Average total loans | $358,549,750 | 1,196 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1213% | 742 |
| Cost of funding earning assets | 1.2268% | 194 |
| Net interest margin | 3.8945% | 2,230 |
| Noninterest income to average assets | 1.0216% | 1,467 |
| Noninterest expense to average assets | 2.7433% | 3,879 |
| Loan and lease loss provision to assets | 0.0925% | 3,240 |
| Net operating income to assets | 1.6759% | 654 |
| Return on assets (ROA) | 1.6759% | 715 |
| Pretax return on assets | 1.6759% | 1,170 |
| Return on Equity (ROE) | 13.7909% | 1,054 |
| Retained earnings to average equity (ytd only) | 5.6390% | 2,648 |
| Net charge-offs to loans | 0.5355% | 1,234 |
| Credit loss provision to net charge-offs | 20.7039% | 3,719 |
| Earnings coverage of net charge-offs (x) | 3.9565% | 3,252 |
| Efficiency ratio | 60.2913% | 5,441 |
| Assets per employee ($millions) | 5.6244% | 1,481 |
| Cash dividends to net income (ytd only)* | 59.1110% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0322% | 566 |
| Loan loss allowance to noncurrent loans | 184.4180% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 4.4230% | 747 |
| Noncurrent loans to loans | 1.6442% | 2,848 |
| Net loans and leases to total assets | 79.0928% | 627 |
| Net loans and leases to deposits | 108.1883% | 178 |
| Net loans and leases to core deposits | 122.0531% | 287 |
| Total domestic deposits to total assets | 73.1066% | 6,500 |
| Equity capital to assets | 12.2007% | 1,773 |
| Core capital (leverage) ratio | 12.0232% | 1,605 |
| Tier 1 risk-based capital ratio | 13.5140% | 4,759 |
| Total risk-based capital ratio | 16.5613% | 3,545 |
| Memoranda: | ||
| Average total assets | $432,247,330 | 1,543 |
| Average earning assets | $387,363,330 | 1,569 |
| Average equity | $52,527,330 | 1,367 |
| Average total loans | $360,753,000 | 1,180 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2316% | 574 |
| Cost of funding earning assets | 1.2488% | 193 |
| Net interest margin | 3.9828% | 1,851 |
| Noninterest income to average assets | 0.7966% | 2,139 |
| Noninterest expense to average assets | 2.8233% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5330% | 794 |
| Return on assets (ROA) | 1.5330% | 871 |
| Pretax return on assets | 1.5330% | 1,478 |
| Return on Equity (ROE) | 12.6405% | 1,257 |
| Retained earnings to average equity (ytd only) | 7.3322% | 2,012 |
| Net charge-offs to loans | 0.1449% | 2,535 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 12.5379% | 1,590 |
| Efficiency ratio | 64.2994% | 4,963 |
| Assets per employee ($millions) | 5.2637% | 1,908 |
| Cash dividends to net income (ytd only)* | 41.9940% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1436% | 574 |
| Loan loss allowance to noncurrent loans | 117.0915% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 5.7285% | 588 |
| Noncurrent loans to loans | 2.6847% | 1,904 |
| Net loans and leases to total assets | 81.9834% | 281 |
| Net loans and leases to deposits | 112.3747% | 105 |
| Net loans and leases to core deposits | 127.2811% | 195 |
| Total domestic deposits to total assets | 72.9554% | 6,600 |
| Equity capital to assets | 12.3869% | 1,783 |
| Core capital (leverage) ratio | 11.8849% | 1,630 |
| Tier 1 risk-based capital ratio | 13.2256% | 5,056 |
| Total risk-based capital ratio | 16.2759% | 3,779 |
| Memoranda: | ||
| Average total assets | $431,830,500 | 1,559 |
| Average earning assets | $385,963,500 | 1,586 |
| Average equity | $52,371,500 | 1,389 |
| Average total loans | $364,506,000 | 1,176 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2613% | 997 |
| Cost of funding earning assets | 1.4097% | 245 |
| Net interest margin | 3.8517% | 3,020 |
| Noninterest income to average assets | 0.8745% | 1,947 |
| Noninterest expense to average assets | 2.5772% | 4,829 |
| Loan and lease loss provision to assets | 1.7882% | 144 |
| Net operating income to assets | 0.0051% | 6,156 |
| Return on assets (ROA) | 0.2341% | 5,886 |
| Pretax return on assets | 0.2341% | 5,947 |
| Return on Equity (ROE) | 1.8538% | 5,944 |
| Retained earnings to average equity (ytd only) | -10.8826% | 6,666 |
| Net charge-offs to loans | 1.3935% | 657 |
| Credit loss provision to net charge-offs | 155.1095% | 1,739 |
| Earnings coverage of net charge-offs (x) | 1.5555% | 4,664 |
| Efficiency ratio | 56.9163% | 5,963 |
| Assets per employee ($millions) | 5.2059% | 1,978 |
| Cash dividends to net income (ytd only)* | 687.0388% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1177% | 594 |
| Loan loss allowance to noncurrent loans | 68.3317% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 7.7913% | 372 |
| Noncurrent loans to loans | 4.5626% | 930 |
| Net loans and leases to total assets | 81.5561% | 357 |
| Net loans and leases to deposits | 110.7886% | 145 |
| Net loans and leases to core deposits | 125.2478% | 229 |
| Total domestic deposits to total assets | 73.6141% | 6,568 |
| Equity capital to assets | 11.8752% | 2,127 |
| Core capital (leverage) ratio | 10.4788% | 2,794 |
| Tier 1 risk-based capital ratio | 12.5670% | 5,428 |
| Total risk-based capital ratio | 15.5079% | 4,156 |
| Memoranda: | ||
| Average total assets | $451,570,600 | 1,463 |
| Average earning assets | $409,876,000 | 1,475 |
| Average equity | $57,017,400 | 1,247 |
| Average total loans | $373,580,000 | 1,122 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2453% | 1,105 |
| Cost of funding earning assets | 1.4416% | 256 |
| Net interest margin | 3.8037% | 3,323 |
| Noninterest income to average assets | 1.0590% | 1,344 |
| Noninterest expense to average assets | 2.6300% | 4,637 |
| Loan and lease loss provision to assets | 0.8232% | 568 |
| Net operating income to assets | 1.0795% | 2,170 |
| Return on assets (ROA) | 1.3824% | 1,394 |
| Pretax return on assets | 1.3824% | 2,293 |
| Return on Equity (ROE) | 10.7942% | 2,033 |
| Retained earnings to average equity (ytd only) | -0.4598% | 6,170 |
| Net charge-offs to loans | 0.3773% | 2,589 |
| Credit loss provision to net charge-offs | 264.8445% | 1,036 |
| Earnings coverage of net charge-offs (x) | 6.1216% | 2,846 |
| Efficiency ratio | 56.0589% | 6,052 |
| Assets per employee ($millions) | 5.2620% | 1,868 |
| Cash dividends to net income (ytd only)* | 104.2595% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8408% | 851 |
| Loan loss allowance to noncurrent loans | 31.7291% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 9.9565% | 246 |
| Noncurrent loans to loans | 8.9534% | 309 |
| Net loans and leases to total assets | 81.1049% | 423 |
| Net loans and leases to deposits | 112.1266% | 132 |
| Net loans and leases to core deposits | 123.8446% | 250 |
| Total domestic deposits to total assets | 72.3333% | 6,724 |
| Equity capital to assets | 13.2708% | 1,460 |
| Core capital (leverage) ratio | 12.8007% | 1,277 |
| Tier 1 risk-based capital ratio | 14.9487% | 3,881 |
| Total risk-based capital ratio | 18.0536% | 2,790 |
| Memoranda: | ||
| Average total assets | $455,138,750 | 1,461 |
| Average earning assets | $415,653,250 | 1,464 |
| Average equity | $58,289,250 | 1,221 |
| Average total loans | $374,945,000 | 1,123 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2119% | 1,214 |
| Cost of funding earning assets | 1.5004% | 239 |
| Net interest margin | 3.7115% | 3,760 |
| Noninterest income to average assets | 0.9795% | 1,517 |
| Noninterest expense to average assets | 2.6197% | 4,710 |
| Loan and lease loss provision to assets | 0.9535% | 474 |
| Net operating income to assets | 0.8052% | 3,372 |
| Return on assets (ROA) | 1.2535% | 1,723 |
| Pretax return on assets | 1.2535% | 2,713 |
| Return on Equity (ROE) | 9.9008% | 2,398 |
| Retained earnings to average equity (ytd only) | -2.7021% | 6,430 |
| Net charge-offs to loans | 0.4577% | 2,231 |
| Credit loss provision to net charge-offs | 253.9261% | 1,130 |
| Earnings coverage of net charge-offs (x) | 4.6836% | 3,018 |
| Efficiency ratio | 57.8233% | 5,896 |
| Assets per employee ($millions) | 5.1988% | 1,929 |
| Cash dividends to net income (ytd only)* | 127.2916% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6702% | 1,074 |
| Loan loss allowance to noncurrent loans | 28.4126% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 9.6563% | 287 |
| Noncurrent loans to loans | 9.3980% | 303 |
| Net loans and leases to total assets | 81.0451% | 397 |
| Net loans and leases to deposits | 111.0882% | 133 |
| Net loans and leases to core deposits | 121.0976% | 293 |
| Total domestic deposits to total assets | 72.9557% | 6,749 |
| Equity capital to assets | 12.8104% | 1,616 |
| Core capital (leverage) ratio | 12.4712% | 1,367 |
| Tier 1 risk-based capital ratio | 14.7190% | 3,952 |
| Total risk-based capital ratio | 17.8140% | 2,841 |
| Memoranda: | ||
| Average total assets | $461,271,000 | 1,443 |
| Average earning assets | $422,418,330 | 1,448 |
| Average equity | $58,399,330 | 1,213 |
| Average total loans | $378,401,330 | 1,116 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5114% | 743 |
| Cost of funding earning assets | 1.6182% | 175 |
| Net interest margin | 3.8932% | 2,956 |
| Noninterest income to average assets | 0.8899% | 1,789 |
| Noninterest expense to average assets | 2.7603% | 4,206 |
| Loan and lease loss provision to assets | 0.3314% | 1,891 |
| Net operating income to assets | 1.3673% | 1,284 |
| Return on assets (ROA) | 1.3673% | 1,438 |
| Pretax return on assets | 1.3673% | 2,299 |
| Return on Equity (ROE) | 10.8613% | 2,079 |
| Retained earnings to average equity (ytd only) | -1.6214% | 6,233 |
| Net charge-offs to loans | 0.0524% | 3,977 |
| Credit loss provision to net charge-offs | 776.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 39.7800% | 752 |
| Efficiency ratio | 59.9502% | 5,619 |
| Assets per employee ($millions) | 5.1431% | 2,066 |
| Cash dividends to net income (ytd only)* | 114.9282% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3751% | 1,549 |
| Loan loss allowance to noncurrent loans | 22.9673% | 6,451 |
| Noncurrent assets plus other real estate owned to assets | 10.0215% | 298 |
| Noncurrent loans to loans | 10.3414% | 283 |
| Net loans and leases to total assets | 81.2433% | 322 |
| Net loans and leases to deposits | 110.7499% | 130 |
| Net loans and leases to core deposits | 120.3338% | 304 |
| Total domestic deposits to total assets | 73.3575% | 6,798 |
| Equity capital to assets | 12.9723% | 1,454 |
| Core capital (leverage) ratio | 12.0420% | 1,561 |
| Tier 1 risk-based capital ratio | 14.9997% | 3,764 |
| Total risk-based capital ratio | 18.1094% | 2,689 |
| Memoranda: | ||
| Average total assets | $468,357,000 | 1,432 |
| Average earning assets | $429,365,500 | 1,431 |
| Average equity | $58,961,500 | 1,204 |
| Average total loans | $381,455,500 | 1,111 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7618% | 689 |
| Cost of funding earning assets | 1.9403% | 123 |
| Net interest margin | 3.8215% | 3,717 |
| Noninterest income to average assets | 2.1098% | 342 |
| Noninterest expense to average assets | 2.8871% | 4,006 |
| Loan and lease loss provision to assets | 2.3449% | 206 |
| Net operating income to assets | 0.4205% | 4,771 |
| Return on assets (ROA) | 0.4265% | 4,945 |
| Pretax return on assets | 0.4265% | 5,212 |
| Return on Equity (ROE) | 3.8109% | 4,941 |
| Retained earnings to average equity (ytd only) | -6.6719% | 6,551 |
| Net charge-offs to loans | 2.6658% | 413 |
| Credit loss provision to net charge-offs | 103.7947% | 3,324 |
| Earnings coverage of net charge-offs (x) | 1.2241% | 4,863 |
| Efficiency ratio | 50.7356% | 6,793 |
| Assets per employee ($millions) | 5.4395% | 1,705 |
| Cash dividends to net income (ytd only)* | 275.0754% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2285% | 1,747 |
| Loan loss allowance to noncurrent loans | 25.9935% | 6,394 |
| Noncurrent assets plus other real estate owned to assets | 7.3680% | 606 |
| Noncurrent loans to loans | 8.5735% | 433 |
| Net loans and leases to total assets | 78.0085% | 708 |
| Net loans and leases to deposits | 106.8573% | 230 |
| Net loans and leases to core deposits | 118.6972% | 382 |
| Total domestic deposits to total assets | 73.0024% | 6,809 |
| Equity capital to assets | 12.2307% | 1,950 |
| Core capital (leverage) ratio | 11.5487% | 1,848 |
| Tier 1 risk-based capital ratio | 14.6823% | 3,848 |
| Total risk-based capital ratio | 17.7446% | 2,789 |
| Memoranda: | ||
| Average total assets | $466,586,200 | 1,412 |
| Average earning assets | $432,556,200 | 1,400 |
| Average equity | $52,219,200 | 1,307 |
| Average total loans | $395,419,800 | 1,077 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9010% | 560 |
| Cost of funding earning assets | 2.0830% | 87 |
| Net interest margin | 3.8180% | 3,777 |
| Noninterest income to average assets | 4.1199% | 151 |
| Noninterest expense to average assets | 2.6654% | 4,856 |
| Loan and lease loss provision to assets | 1.8672% | 315 |
| Net operating income to assets | 3.1382% | 88 |
| Return on assets (ROA) | 3.1463% | 88 |
| Pretax return on assets | 3.1463% | 125 |
| Return on Equity (ROE) | 28.8130% | 68 |
| Retained earnings to average equity (ytd only) | 16.2729% | 166 |
| Net charge-offs to loans | 1.0386% | 1,538 |
| Credit loss provision to net charge-offs | 208.9413% | 1,396 |
| Earnings coverage of net charge-offs (x) | 5.6010% | 2,739 |
| Efficiency ratio | 34.7473% | 7,327 |
| Assets per employee ($millions) | 5.7879% | 1,361 |
| Cash dividends to net income (ytd only)* | 43.5226% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8416% | 990 |
| Loan loss allowance to noncurrent loans | 41.1445% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 6.2928% | 832 |
| Noncurrent loans to loans | 6.9063% | 724 |
| Net loans and leases to total assets | 79.5653% | 554 |
| Net loans and leases to deposits | 109.4198% | 186 |
| Net loans and leases to core deposits | 123.8302% | 314 |
| Total domestic deposits to total assets | 72.7157% | 6,880 |
| Equity capital to assets | 13.8040% | 1,240 |
| Core capital (leverage) ratio | 13.6024% | 1,015 |
| Tier 1 risk-based capital ratio | 16.1838% | 3,020 |
| Total risk-based capital ratio | 19.1382% | 2,259 |
| Memoranda: | ||
| Average total assets | $462,203,250 | 1,434 |
| Average earning assets | $429,881,500 | 1,418 |
| Average equity | $50,471,250 | 1,353 |
| Average total loans | $397,709,500 | 1,081 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8044% | 715 |
| Cost of funding earning assets | 2.1419% | 86 |
| Net interest margin | 3.6626% | 4,455 |
| Noninterest income to average assets | 6.0913% | 114 |
| Noninterest expense to average assets | 2.9914% | 3,675 |
| Loan and lease loss provision to assets | 2.0531% | 296 |
| Net operating income to assets | 4.4588% | 56 |
| Return on assets (ROA) | 4.4712% | 57 |
| Pretax return on assets | 4.4712% | 78 |
| Return on Equity (ROE) | 45.3602% | 22 |
| Retained earnings to average equity (ytd only) | 30.6186% | 36 |
| Net charge-offs to loans | 1.0106% | 1,557 |
| Credit loss provision to net charge-offs | 231.9619% | 1,294 |
| Earnings coverage of net charge-offs (x) | 7.3573% | 2,239 |
| Efficiency ratio | 31.4781% | 7,428 |
| Assets per employee ($millions) | 5.5955% | 1,485 |
| Cash dividends to net income (ytd only)* | 32.4990% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5486% | 1,375 |
| Loan loss allowance to noncurrent loans | 69.6306% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 3.2610% | 2,053 |
| Noncurrent loans to loans | 3.6602% | 1,918 |
| Net loans and leases to total assets | 83.2157% | 291 |
| Net loans and leases to deposits | 109.8824% | 179 |
| Net loans and leases to core deposits | 123.4954% | 352 |
| Total domestic deposits to total assets | 75.7316% | 6,638 |
| Equity capital to assets | 9.7718% | 4,422 |
| Core capital (leverage) ratio | 9.7741% | 3,558 |
| Tier 1 risk-based capital ratio | 11.3971% | 6,251 |
| Total risk-based capital ratio | 14.2843% | 4,871 |
| Memoranda: | ||
| Average total assets | $450,350,330 | 1,479 |
| Average earning assets | $419,542,330 | 1,452 |
| Average equity | $44,391,330 | 1,515 |
| Average total loans | $394,403,000 | 1,097 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2169% | 327 |
| Cost of funding earning assets | 2.2199% | 83 |
| Net interest margin | 3.9970% | 2,691 |
| Noninterest income to average assets | 12.7458% | 55 |
| Noninterest expense to average assets | 2.8697% | 4,193 |
| Loan and lease loss provision to assets | 4.3355% | 92 |
| Net operating income to assets | 9.2656% | 25 |
| Return on assets (ROA) | 9.2656% | 26 |
| Pretax return on assets | 9.2656% | 34 |
| Return on Equity (ROE) | 93.5274% | 12 |
| Retained earnings to average equity (ytd only) | 81.5335% | 11 |
| Net charge-offs to loans | 0.1277% | 3,754 |
| Credit loss provision to net charge-offs | 3,820.6612% | 94 |
| Earnings coverage of net charge-offs (x) | 119.8595% | 272 |
| Efficiency ratio | 17.4230% | 7,542 |
| Assets per employee ($millions) | 5.7610% | 1,370 |
| Cash dividends to net income (ytd only)* | 12.8239% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8904% | 1,020 |
| Loan loss allowance to noncurrent loans | 66.8349% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 3.9949% | 1,670 |
| Noncurrent loans to loans | 4.3247% | 1,635 |
| Net loans and leases to total assets | 85.1978% | 172 |
| Net loans and leases to deposits | 112.8569% | 145 |
| Net loans and leases to core deposits | 125.3498% | 322 |
| Total domestic deposits to total assets | 75.4919% | 6,739 |
| Equity capital to assets | 9.9675% | 3,818 |
| Core capital (leverage) ratio | 10.4752% | 2,643 |
| Tier 1 risk-based capital ratio | 11.1929% | 6,358 |
| Total risk-based capital ratio | 14.0139% | 4,979 |
| Memoranda: | ||
| Average total assets | $426,524,500 | 1,556 |
| Average earning assets | $397,496,500 | 1,530 |
| Average equity | $42,255,000 | 1,574 |
| Average total loans | $378,977,500 | 1,163 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0713% | 742 |
| Cost of funding earning assets | 2.4080% | 148 |
| Net interest margin | 3.6633% | 4,519 |
| Noninterest income to average assets | 0.7081% | 2,797 |
| Noninterest expense to average assets | 1.9074% | 7,150 |
| Loan and lease loss provision to assets | 1.0900% | 1,469 |
| Net operating income to assets | 1.1273% | 1,620 |
| Return on assets (ROA) | 1.1523% | 1,618 |
| Pretax return on assets | 1.1523% | 2,388 |
| Return on Equity (ROE) | 11.7180% | 1,383 |
| Retained earnings to average equity (ytd only) | -2.1626% | 5,990 |
| Net charge-offs to loans | 0.0395% | 6,414 |
| Credit loss provision to net charge-offs | 3,099.2188% | 70 |
| Earnings coverage of net charge-offs (x) | 63.0469% | 379 |
| Efficiency ratio | 44.3245% | 7,405 |
| Assets per employee ($millions) | 7.9964% | 479 |
| Cash dividends to net income (ytd only)* | 118.4549% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5793% | 1,309 |
| Loan loss allowance to noncurrent loans | 623.2346% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 5,948 |
| Noncurrent loans to loans | 0.4139% | 6,216 |
| Net loans and leases to total assets | 88.1133% | 96 |
| Net loans and leases to deposits | 104.8336% | 368 |
| Net loans and leases to core deposits | 121.6912% | 480 |
| Total domestic deposits to total assets | 84.0507% | 4,341 |
| Equity capital to assets | 9.8204% | 3,974 |
| Core capital (leverage) ratio | 9.6333% | 3,507 |
| Tier 1 risk-based capital ratio | 11.0278% | 6,300 |
| Total risk-based capital ratio | 14.5288% | 4,348 |
| Memoranda: | ||
| Average total assets | $363,957,000 | 1,799 |
| Average earning assets | $339,449,400 | 1,761 |
| Average equity | $35,791,000 | 1,850 |
| Average total loans | $323,864,400 | 1,379 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0022% | 931 |
| Cost of funding earning assets | 2.4490% | 172 |
| Net interest margin | 3.5532% | 5,096 |
| Noninterest income to average assets | 0.5700% | 3,649 |
| Noninterest expense to average assets | 1.7675% | 7,367 |
| Loan and lease loss provision to assets | 0.2358% | 4,715 |
| Net operating income to assets | 1.8834% | 420 |
| Return on assets (ROA) | 1.9168% | 432 |
| Pretax return on assets | 1.9168% | 743 |
| Return on Equity (ROE) | 19.4857% | 344 |
| Retained earnings to average equity (ytd only) | 5.8464% | 2,445 |
| Net charge-offs to loans | 0.0377% | 6,184 |
| Credit loss provision to net charge-offs | 705.4348% | 419 |
| Earnings coverage of net charge-offs (x) | 63.4040% | 470 |
| Efficiency ratio | 43.4474% | 7,482 |
| Assets per employee ($millions) | 7.6717% | 574 |
| Cash dividends to net income (ytd only)* | 69.9963% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 3,854 |
| Loan loss allowance to noncurrent loans | 469.5901% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 6,532 |
| Noncurrent loans to loans | 0.3243% | 6,545 |
| Net loans and leases to total assets | 88.3443% | 97 |
| Net loans and leases to deposits | 106.5304% | 339 |
| Net loans and leases to core deposits | 124.8340% | 477 |
| Total domestic deposits to total assets | 82.9287% | 4,622 |
| Equity capital to assets | 10.2363% | 3,832 |
| Core capital (leverage) ratio | 10.1952% | 3,047 |
| Tier 1 risk-based capital ratio | 11.1068% | 6,275 |
| Total risk-based capital ratio | 14.4489% | 4,405 |
| Memoranda: | ||
| Average total assets | $366,986,250 | 1,805 |
| Average earning assets | $342,552,000 | 1,774 |
| Average equity | $36,100,750 | 1,850 |
| Average total loans | $325,274,000 | 1,393 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9017% | 1,181 |
| Cost of funding earning assets | 2.4755% | 190 |
| Net interest margin | 3.4262% | 5,527 |
| Noninterest income to average assets | 0.4649% | 4,396 |
| Noninterest expense to average assets | 1.7886% | 7,399 |
| Loan and lease loss provision to assets | 0.0677% | 6,275 |
| Net operating income to assets | 1.8151% | 471 |
| Return on assets (ROA) | 1.8151% | 509 |
| Pretax return on assets | 1.8151% | 862 |
| Return on Equity (ROE) | 18.6987% | 411 |
| Retained earnings to average equity (ytd only) | 4.7779% | 3,027 |
| Net charge-offs to loans | 0.0442% | 5,763 |
| Credit loss provision to net charge-offs | 173.6111% | 2,249 |
| Earnings coverage of net charge-offs (x) | 48.2639% | 617 |
| Efficiency ratio | 46.5909% | 7,413 |
| Assets per employee ($millions) | 7.8003% | 543 |
| Cash dividends to net income (ytd only)* | 74.4478% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 4,593 |
| Loan loss allowance to noncurrent loans | 860.3113% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 6,630 |
| Noncurrent loans to loans | 0.1588% | 6,947 |
| Net loans and leases to total assets | 87.0731% | 166 |
| Net loans and leases to deposits | 104.0309% | 483 |
| Net loans and leases to core deposits | 123.5651% | 580 |
| Total domestic deposits to total assets | 83.6992% | 4,245 |
| Equity capital to assets | 9.8848% | 4,160 |
| Core capital (leverage) ratio | 9.8333% | 3,361 |
| Tier 1 risk-based capital ratio | 10.9471% | 6,297 |
| Total risk-based capital ratio | 14.3160% | 4,338 |
| Memoranda: | ||
| Average total assets | $369,124,670 | 1,815 |
| Average earning assets | $345,459,000 | 1,771 |
| Average equity | $35,831,330 | 1,861 |
| Average total loans | $325,875,330 | 1,405 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9332% | 1,121 |
| Cost of funding earning assets | 2.4541% | 256 |
| Net interest margin | 3.4791% | 5,244 |
| Noninterest income to average assets | 0.4136% | 4,779 |
| Noninterest expense to average assets | 1.8824% | 7,356 |
| Loan and lease loss provision to assets | 0.0540% | 6,124 |
| Net operating income to assets | 1.7323% | 574 |
| Return on assets (ROA) | 1.7323% | 630 |
| Pretax return on assets | 1.7323% | 996 |
| Return on Equity (ROE) | 18.0086% | 516 |
| Retained earnings to average equity (ytd only) | 5.2544% | 3,010 |
| Net charge-offs to loans | 0.0550% | 4,850 |
| Credit loss provision to net charge-offs | 111.1111% | 3,111 |
| Earnings coverage of net charge-offs (x) | 36.7556% | 744 |
| Efficiency ratio | 49.1905% | 7,364 |
| Assets per employee ($millions) | 8.0339% | 513 |
| Cash dividends to net income (ytd only)* | 70.8229% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 4,706 |
| Loan loss allowance to noncurrent loans | 2,326.5957% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 6,925 |
| Noncurrent loans to loans | 0.0578% | 7,259 |
| Net loans and leases to total assets | 84.9563% | 297 |
| Net loans and leases to deposits | 102.2139% | 635 |
| Net loans and leases to core deposits | 122.7783% | 681 |
| Total domestic deposits to total assets | 83.1162% | 4,563 |
| Equity capital to assets | 9.4991% | 4,533 |
| Core capital (leverage) ratio | 9.7470% | 3,457 |
| Tier 1 risk-based capital ratio | 10.5979% | 6,544 |
| Total risk-based capital ratio | 13.9209% | 4,554 |
| Memoranda: | ||
| Average total assets | $370,379,500 | 1,855 |
| Average earning assets | $346,527,500 | 1,806 |
| Average equity | $35,627,500 | 1,889 |
| Average total loans | $326,990,500 | 1,440 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1826% | 1,284 |
| Cost of funding earning assets | 2.6592% | 653 |
| Net interest margin | 3.5234% | 4,850 |
| Noninterest income to average assets | 0.5470% | 4,050 |
| Noninterest expense to average assets | 1.9134% | 7,485 |
| Loan and lease loss provision to assets | 0.3604% | 4,641 |
| Net operating income to assets | 1.5986% | 552 |
| Return on assets (ROA) | 1.5986% | 587 |
| Pretax return on assets | 1.5986% | 970 |
| Return on Equity (ROE) | 16.8782% | 465 |
| Retained earnings to average equity (ytd only) | 5.6449% | 1,505 |
| Net charge-offs to loans | 0.0125% | 7,048 |
| Credit loss provision to net charge-offs | 3,121.9512% | 108 |
| Earnings coverage of net charge-offs (x) | 169.7073% | 169 |
| Efficiency ratio | 49.4111% | 7,566 |
| Assets per employee ($millions) | 8.2538% | 454 |
| Cash dividends to net income (ytd only)* | 66.5551% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 4,597 |
| Loan loss allowance to noncurrent loans | 451.8097% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.3973% | 6,463 |
| Noncurrent loans to loans | 0.2941% | 6,689 |
| Net loans and leases to total assets | 89.3390% | 113 |
| Net loans and leases to deposits | 105.8444% | 560 |
| Net loans and leases to core deposits | 156.5654% | 384 |
| Total domestic deposits to total assets | 84.4060% | 3,837 |
| Equity capital to assets | 9.7440% | 4,082 |
| Core capital (leverage) ratio | 9.8661% | 3,248 |
| Tier 1 risk-based capital ratio | 10.5587% | 6,334 |
| Total risk-based capital ratio | 11.8092% | 6,319 |
| Memoranda: | ||
| Average total assets | $355,185,600 | 1,911 |
| Average earning assets | $335,216,800 | 1,854 |
| Average equity | $33,641,000 | 1,994 |
| Average total loans | $329,217,200 | 1,465 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2333% | 1,287 |
| Cost of funding earning assets | 2.6815% | 833 |
| Net interest margin | 3.5519% | 4,665 |
| Noninterest income to average assets | 0.5810% | 3,846 |
| Noninterest expense to average assets | 1.8498% | 7,611 |
| Loan and lease loss provision to assets | 0.4417% | 3,700 |
| Net operating income to assets | 1.6508% | 604 |
| Return on assets (ROA) | 1.6508% | 658 |
| Pretax return on assets | 1.6508% | 1,067 |
| Return on Equity (ROE) | 17.5594% | 495 |
| Retained earnings to average equity (ytd only) | 6.8543% | 1,567 |
| Net charge-offs to loans | 0.0154% | 6,704 |
| Credit loss provision to net charge-offs | 3,078.9474% | 131 |
| Earnings coverage of net charge-offs (x) | 145.8551% | 264 |
| Efficiency ratio | 46.9214% | 7,723 |
| Assets per employee ($millions) | 7.5819% | 610 |
| Cash dividends to net income (ytd only)* | 60.9651% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 4,437 |
| Loan loss allowance to noncurrent loans | 509.1995% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 6,532 |
| Noncurrent loans to loans | 0.2573% | 6,869 |
| Net loans and leases to total assets | 92.0494% | 56 |
| Net loans and leases to deposits | 111.6040% | 410 |
| Net loans and leases to core deposits | 155.2661% | 472 |
| Total domestic deposits to total assets | 82.4786% | 4,465 |
| Equity capital to assets | 9.7687% | 4,397 |
| Core capital (leverage) ratio | 9.8061% | 3,514 |
| Tier 1 risk-based capital ratio | 10.3754% | 6,598 |
| Total risk-based capital ratio | 11.6260% | 6,534 |
| Memoranda: | ||
| Average total assets | $353,190,500 | 1,935 |
| Average earning assets | $334,237,750 | 1,874 |
| Average equity | $33,204,500 | 2,046 |
| Average total loans | $329,317,000 | 1,479 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2435% | 1,351 |
| Cost of funding earning assets | 2.7080% | 1,012 |
| Net interest margin | 3.5355% | 4,638 |
| Noninterest income to average assets | 0.6570% | 3,291 |
| Noninterest expense to average assets | 1.8175% | 7,724 |
| Loan and lease loss provision to assets | 0.4737% | 3,154 |
| Net operating income to assets | 1.7149% | 548 |
| Return on assets (ROA) | 1.7149% | 596 |
| Pretax return on assets | 1.7149% | 986 |
| Return on Equity (ROE) | 18.4773% | 451 |
| Retained earnings to average equity (ytd only) | 7.6194% | 1,345 |
| Net charge-offs to loans | 0.0230% | 6,174 |
| Credit loss provision to net charge-offs | 2,210.5263% | 245 |
| Earnings coverage of net charge-offs (x) | 102.1316% | 375 |
| Efficiency ratio | 45.3688% | 7,872 |
| Assets per employee ($millions) | 7.3789% | 644 |
| Cash dividends to net income (ytd only)* | 58.7636% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 4,892 |
| Loan loss allowance to noncurrent loans | 807.3922% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 6,610 |
| Noncurrent loans to loans | 0.1494% | 7,147 |
| Net loans and leases to total assets | 92.8698% | 42 |
| Net loans and leases to deposits | 113.6618% | 410 |
| Net loans and leases to core deposits | 165.5431% | 376 |
| Total domestic deposits to total assets | 81.7071% | 4,817 |
| Equity capital to assets | 9.6676% | 4,399 |
| Core capital (leverage) ratio | 9.5799% | 3,780 |
| Tier 1 risk-based capital ratio | 10.7944% | 6,089 |
| Total risk-based capital ratio | 12.0447% | 6,028 |
| Memoranda: | ||
| Average total assets | $354,664,670 | 1,952 |
| Average earning assets | $335,966,670 | 1,888 |
| Average equity | $32,916,000 | 2,064 |
| Average total loans | $330,655,670 | 1,509 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2349% | 1,490 |
| Cost of funding earning assets | 2.7617% | 1,082 |
| Net interest margin | 3.4732% | 4,836 |
| Noninterest income to average assets | 0.6648% | 3,108 |
| Noninterest expense to average assets | 1.8405% | 7,647 |
| Loan and lease loss provision to assets | 0.4350% | 2,752 |
| Net operating income to assets | 1.6888% | 660 |
| Return on assets (ROA) | 1.6888% | 727 |
| Pretax return on assets | 1.6888% | 1,200 |
| Return on Equity (ROE) | 18.5710% | 544 |
| Retained earnings to average equity (ytd only) | 8.5495% | 1,618 |
| Net charge-offs to loans | 0.0012% | 5,720 |
| Credit loss provision to net charge-offs | 39,000.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 1,904.0000% | 3 |
| Efficiency ratio | 46.4266% | 7,823 |
| Assets per employee ($millions) | 8.0323% | 500 |
| Cash dividends to net income (ytd only)* | 53.9630% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 5,805 |
| Loan loss allowance to noncurrent loans | 287.2653% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 6,028 |
| Noncurrent loans to loans | 0.3660% | 6,513 |
| Net loans and leases to total assets | 93.7111% | 31 |
| Net loans and leases to deposits | 115.4079% | 403 |
| Net loans and leases to core deposits | 169.7877% | 349 |
| Total domestic deposits to total assets | 81.1999% | 4,891 |
| Equity capital to assets | 9.3311% | 4,889 |
| Core capital (leverage) ratio | 9.2557% | 4,312 |
| Tier 1 risk-based capital ratio | 10.3530% | 6,540 |
| Total risk-based capital ratio | 11.4584% | 6,622 |
| Memoranda: | ||
| Average total assets | $358,593,500 | 1,939 |
| Average earning assets | $340,663,500 | 1,870 |
| Average equity | $32,610,000 | 2,081 |
| Average total loans | $332,978,000 | 1,509 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7718% | 1,785 |
| Cost of funding earning assets | 3.3821% | 734 |
| Net interest margin | 3.3898% | 5,697 |
| Noninterest income to average assets | 0.4188% | 5,313 |
| Noninterest expense to average assets | 1.6793% | 7,884 |
| Loan and lease loss provision to assets | 0.2841% | 4,110 |
| Net operating income to assets | 1.6312% | 789 |
| Return on assets (ROA) | 1.6312% | 748 |
| Pretax return on assets | 1.6312% | 1,309 |
| Return on Equity (ROE) | 18.8075% | 464 |
| Retained earnings to average equity (ytd only) | 7.0883% | 1,124 |
| Net charge-offs to loans | 0.2435% | 3,829 |
| Credit loss provision to net charge-offs | 128.2225% | 4,157 |
| Earnings coverage of net charge-offs (x) | 8.6445% | 2,845 |
| Efficiency ratio | 46.7174% | 7,889 |
| Assets per employee ($millions) | 8.2675% | 428 |
| Cash dividends to net income (ytd only)* | 62.3111% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9449% | 6,424 |
| Loan loss allowance to noncurrent loans | 480.0613% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 6,355 |
| Noncurrent loans to loans | 0.1968% | 6,801 |
| Net loans and leases to total assets | 90.1987% | 185 |
| Net loans and leases to deposits | 112.3897% | 685 |
| Net loans and leases to core deposits | 169.0786% | 420 |
| Total domestic deposits to total assets | 80.2553% | 4,925 |
| Equity capital to assets | 8.8633% | 5,546 |
| Core capital (leverage) ratio | 9.0234% | 4,708 |
| Tier 1 risk-based capital ratio | 9.8818% | 6,871 |
| Total risk-based capital ratio | 10.8406% | 7,111 |
| Memoranda: | ||
| Average total assets | $332,635,000 | 2,010 |
| Average earning assets | $311,644,400 | 1,955 |
| Average equity | $28,850,200 | 2,342 |
| Average total loans | $302,689,600 | 1,596 |