Home > Merchants Bank of Bangor > Performance and Condition Ratios
Merchants Bank of Bangor, 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 | 3.9027% | 4,026 |
| Cost of funding earning assets | 0.4137% | 4,314 |
| Net interest margin | 3.4890% | 3,019 |
| Noninterest income to average assets | 0.3902% | 3,166 |
| Noninterest expense to average assets | 2.5429% | 3,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9484% | 2,354 |
| Return on assets (ROA) | 0.9484% | 2,454 |
| Pretax return on assets | 1.1213% | 2,451 |
| Return on Equity (ROE) | 9.4756% | 1,923 |
| Retained earnings to average equity (ytd only) | 7.0179% | 1,526 |
| Net charge-offs to loans | -0.0098% | 4,075 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3988% | 2,451 |
| Assets per employee ($millions) | 4.5431% | 3,205 |
| Cash dividends to net income (ytd only)* | 25.9375% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 3,154 |
| Loan loss allowance to noncurrent loans | 144.5960% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 2,605 |
| Noncurrent loans to loans | 0.7674% | 2,080 |
| Net loans and leases to total assets | 60.0722% | 3,481 |
| Net loans and leases to deposits | 68.7837% | 3,677 |
| Net loans and leases to core deposits | 70.0455% | 3,875 |
| Total domestic deposits to total assets | 87.3350% | 1,410 |
| Equity capital to assets | 10.2755% | 3,541 |
| Core capital (leverage) ratio | 9.6642% | 3,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9213% | 1,621 |
| Memoranda: | ||
| Average total assets | $404,889,500 | 1,750 |
| Average earning assets | $379,941,000 | 1,736 |
| Average equity | $40,525,000 | 1,967 |
| Average total loans | $244,153,500 | 1,905 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9368% | 4,371 |
| Cost of funding earning assets | 0.3769% | 4,519 |
| Net interest margin | 3.5599% | 3,251 |
| Noninterest income to average assets | 0.4277% | 3,119 |
| Noninterest expense to average assets | 2.6822% | 2,937 |
| Loan and lease loss provision to assets | 0.0408% | 3,197 |
| Net operating income to assets | 0.8902% | 3,248 |
| Return on assets (ROA) | 0.8917% | 3,330 |
| Pretax return on assets | 1.0402% | 3,358 |
| Return on Equity (ROE) | 9.8531% | 2,360 |
| Retained earnings to average equity (ytd only) | 6.5041% | 1,604 |
| Net charge-offs to loans | 0.0063% | 3,451 |
| Credit loss provision to net charge-offs | 1,100.0000% | 315 |
| Earnings coverage of net charge-offs (x) | 291.0667% | 288 |
| Efficiency ratio | 71.3065% | 1,975 |
| Assets per employee ($millions) | 4.6617% | 3,005 |
| Cash dividends to net income (ytd only)* | 33.9895% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 2,717 |
| Loan loss allowance to noncurrent loans | 180.4462% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 2,893 |
| Noncurrent loans to loans | 0.6352% | 2,297 |
| Net loans and leases to total assets | 59.1614% | 3,657 |
| Net loans and leases to deposits | 70.3143% | 3,641 |
| Net loans and leases to core deposits | 71.4176% | 3,885 |
| Total domestic deposits to total assets | 84.1386% | 2,808 |
| Equity capital to assets | 9.7370% | 4,164 |
| Core capital (leverage) ratio | 9.4062% | 4,163 |
| Tier 1 risk-based capital ratio | 15.0495% | 2,765 |
| Total risk-based capital ratio | 16.1321% | 2,763 |
| Memoranda: | ||
| Average total assets | $404,523,000 | 1,725 |
| Average earning assets | $378,831,000 | 1,717 |
| Average equity | $36,607,600 | 2,070 |
| Average total loans | $239,649,000 | 1,890 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9385% | 4,475 |
| Cost of funding earning assets | 0.3670% | 4,611 |
| Net interest margin | 3.5716% | 3,326 |
| Noninterest income to average assets | 0.4439% | 3,059 |
| Noninterest expense to average assets | 2.6145% | 3,123 |
| Loan and lease loss provision to assets | 0.0542% | 2,831 |
| Net operating income to assets | 0.9541% | 3,150 |
| Return on assets (ROA) | 0.9561% | 3,222 |
| Pretax return on assets | 1.1182% | 3,247 |
| Return on Equity (ROE) | 10.7700% | 2,114 |
| Retained earnings to average equity (ytd only) | 8.0775% | 1,359 |
| Net charge-offs to loans | 0.0067% | 3,139 |
| Credit loss provision to net charge-offs | 1,375.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 296.5756% | 315 |
| Efficiency ratio | 69.0817% | 2,245 |
| Assets per employee ($millions) | 4.6378% | 2,992 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 2,821 |
| Loan loss allowance to noncurrent loans | 180.0523% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 3,022 |
| Noncurrent loans to loans | 0.6340% | 2,386 |
| Net loans and leases to total assets | 57.7647% | 3,900 |
| Net loans and leases to deposits | 66.5303% | 4,023 |
| Net loans and leases to core deposits | 67.4766% | 4,194 |
| Total domestic deposits to total assets | 86.8247% | 1,605 |
| Equity capital to assets | 9.5030% | 4,448 |
| Core capital (leverage) ratio | 9.3484% | 4,330 |
| Tier 1 risk-based capital ratio | 14.9654% | 2,862 |
| Total risk-based capital ratio | 16.0483% | 2,880 |
| Memoranda: | ||
| Average total assets | $405,525,250 | 1,738 |
| Average earning assets | $379,319,500 | 1,723 |
| Average equity | $36,000,500 | 2,103 |
| Average total loans | $239,578,750 | 1,898 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9375% | 4,500 |
| Cost of funding earning assets | 0.3612% | 4,647 |
| Net interest margin | 3.5763% | 3,347 |
| Noninterest income to average assets | 0.4693% | 2,845 |
| Noninterest expense to average assets | 2.6320% | 3,114 |
| Loan and lease loss provision to assets | 0.0571% | 2,686 |
| Net operating income to assets | 0.9672% | 3,038 |
| Return on assets (ROA) | 0.9685% | 3,103 |
| Pretax return on assets | 1.1267% | 3,150 |
| Return on Equity (ROE) | 11.1780% | 1,910 |
| Retained earnings to average equity (ytd only) | 8.5210% | 1,195 |
| Net charge-offs to loans | 0.0042% | 3,018 |
| Credit loss provision to net charge-offs | 2,300.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 476.6000% | 160 |
| Efficiency ratio | 69.0036% | 2,378 |
| Assets per employee ($millions) | 4.5971% | 3,008 |
| Cash dividends to net income (ytd only)* | 23.7705% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 3,005 |
| Loan loss allowance to noncurrent loans | 175.8598% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 3,003 |
| Noncurrent loans to loans | 0.6332% | 2,355 |
| Net loans and leases to total assets | 58.8185% | 3,840 |
| Net loans and leases to deposits | 68.0691% | 3,965 |
| Net loans and leases to core deposits | 69.0488% | 4,151 |
| Total domestic deposits to total assets | 86.4100% | 1,852 |
| Equity capital to assets | 9.2114% | 4,641 |
| Core capital (leverage) ratio | 9.2030% | 4,454 |
| Tier 1 risk-based capital ratio | 14.5959% | 3,021 |
| Total risk-based capital ratio | 15.6552% | 3,031 |
| Memoranda: | ||
| Average total assets | $403,112,330 | 1,749 |
| Average earning assets | $377,041,000 | 1,734 |
| Average equity | $34,925,670 | 2,143 |
| Average total loans | $239,043,330 | 1,909 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9175% | 4,522 |
| Cost of funding earning assets | 0.3697% | 4,605 |
| Net interest margin | 3.5478% | 3,437 |
| Noninterest income to average assets | 0.3669% | 3,398 |
| Noninterest expense to average assets | 2.6374% | 3,097 |
| Loan and lease loss provision to assets | 0.0500% | 2,656 |
| Net operating income to assets | 0.8468% | 3,465 |
| Return on assets (ROA) | 0.8468% | 3,506 |
| Pretax return on assets | 0.9988% | 3,440 |
| Return on Equity (ROE) | 10.1000% | 2,329 |
| Retained earnings to average equity (ytd only) | 7.3932% | 1,887 |
| Net charge-offs to loans | -0.0017% | 3,840 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5487% | 2,107 |
| Assets per employee ($millions) | 4.7558% | 2,840 |
| Cash dividends to net income (ytd only)* | 26.8005% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 3,002 |
| Loan loss allowance to noncurrent loans | 171.5858% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 3,060 |
| Noncurrent loans to loans | 0.6541% | 2,381 |
| Net loans and leases to total assets | 57.7787% | 3,913 |
| Net loans and leases to deposits | 65.8731% | 4,060 |
| Net loans and leases to core deposits | 66.4852% | 4,260 |
| Total domestic deposits to total assets | 87.7121% | 1,471 |
| Equity capital to assets | 8.4924% | 4,991 |
| Core capital (leverage) ratio | 9.2566% | 4,403 |
| Tier 1 risk-based capital ratio | 14.6152% | 3,057 |
| Total risk-based capital ratio | 15.6772% | 3,060 |
| Memoranda: | ||
| Average total assets | $400,096,000 | 1,768 |
| Average earning assets | $374,317,000 | 1,754 |
| Average equity | $33,544,500 | 2,214 |
| Average total loans | $236,883,500 | 1,942 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8241% | 4,435 |
| Cost of funding earning assets | 0.3012% | 4,566 |
| Net interest margin | 3.5229% | 3,623 |
| Noninterest income to average assets | 0.4225% | 3,294 |
| Noninterest expense to average assets | 2.4669% | 3,707 |
| Loan and lease loss provision to assets | 0.1621% | 1,260 |
| Net operating income to assets | 0.9312% | 3,325 |
| Return on assets (ROA) | 0.9244% | 3,338 |
| Pretax return on assets | 1.0805% | 3,346 |
| Return on Equity (ROE) | 11.7277% | 1,807 |
| Retained earnings to average equity (ytd only) | 8.7124% | 974 |
| Net charge-offs to loans | 0.0791% | 1,997 |
| Credit loss provision to net charge-offs | 344.6237% | 911 |
| Earnings coverage of net charge-offs (x) | 26.5860% | 1,718 |
| Efficiency ratio | 66.3628% | 2,808 |
| Assets per employee ($millions) | 4.6582% | 2,947 |
| Cash dividends to net income (ytd only)* | 25.7112% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 3,136 |
| Loan loss allowance to noncurrent loans | 165.0794% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 2,961 |
| Noncurrent loans to loans | 0.6630% | 2,337 |
| Net loans and leases to total assets | 59.3383% | 3,837 |
| Net loans and leases to deposits | 69.3284% | 3,872 |
| Net loans and leases to core deposits | 69.8264% | 4,124 |
| Total domestic deposits to total assets | 85.5903% | 2,396 |
| Equity capital to assets | 8.2736% | 5,055 |
| Core capital (leverage) ratio | 9.0340% | 4,622 |
| Tier 1 risk-based capital ratio | 14.3651% | 3,132 |
| Total risk-based capital ratio | 15.4069% | 3,147 |
| Memoranda: | ||
| Average total assets | $395,482,600 | 1,733 |
| Average earning assets | $369,868,400 | 1,723 |
| Average equity | $31,174,000 | 2,272 |
| Average total loans | $235,179,400 | 1,911 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7634% | 4,517 |
| Cost of funding earning assets | 0.2860% | 4,606 |
| Net interest margin | 3.4774% | 3,774 |
| Noninterest income to average assets | 0.4263% | 3,312 |
| Noninterest expense to average assets | 2.4291% | 3,788 |
| Loan and lease loss provision to assets | 0.1248% | 1,609 |
| Net operating income to assets | 0.9436% | 3,332 |
| Return on assets (ROA) | 0.9348% | 3,375 |
| Pretax return on assets | 1.1135% | 3,341 |
| Return on Equity (ROE) | 12.0084% | 1,789 |
| Retained earnings to average equity (ytd only) | 8.9196% | 1,252 |
| Net charge-offs to loans | -0.0125% | 4,459 |
| Credit loss provision to net charge-offs | -1,681.8182% | 4,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0462% | 2,865 |
| Assets per employee ($millions) | 4.7012% | 2,848 |
| Cash dividends to net income (ytd only)* | 25.7214% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 3,327 |
| Loan loss allowance to noncurrent loans | 135.5235% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 2,813 |
| Noncurrent loans to loans | 0.7930% | 2,123 |
| Net loans and leases to total assets | 58.4405% | 3,990 |
| Net loans and leases to deposits | 68.3771% | 4,037 |
| Net loans and leases to core deposits | 68.9796% | 4,248 |
| Total domestic deposits to total assets | 85.4680% | 2,418 |
| Equity capital to assets | 7.6737% | 5,271 |
| Core capital (leverage) ratio | 8.8271% | 4,867 |
| Tier 1 risk-based capital ratio | 14.2263% | 3,257 |
| Total risk-based capital ratio | 15.2506% | 3,280 |
| Memoranda: | ||
| Average total assets | $395,366,250 | 1,739 |
| Average earning assets | $369,689,500 | 1,730 |
| Average equity | $30,777,750 | 2,300 |
| Average total loans | $234,587,000 | 1,921 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6925% | 4,602 |
| Cost of funding earning assets | 0.2798% | 4,561 |
| Net interest margin | 3.4126% | 3,913 |
| Noninterest income to average assets | 0.4193% | 3,355 |
| Noninterest expense to average assets | 2.4592% | 3,745 |
| Loan and lease loss provision to assets | 0.1142% | 1,739 |
| Net operating income to assets | 0.8757% | 3,556 |
| Return on assets (ROA) | 0.8757% | 3,561 |
| Pretax return on assets | 1.0407% | 3,539 |
| Return on Equity (ROE) | 11.1956% | 2,038 |
| Retained earnings to average equity (ytd only) | 8.1647% | 1,553 |
| Net charge-offs to loans | -0.0282% | 4,720 |
| Credit loss provision to net charge-offs | -681.8182% | 4,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0433% | 2,637 |
| Assets per employee ($millions) | 4.6721% | 2,852 |
| Cash dividends to net income (ytd only)* | 27.0725% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 3,775 |
| Loan loss allowance to noncurrent loans | 107.3247% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.5638% | 2,541 |
| Noncurrent loans to loans | 0.9406% | 1,850 |
| Net loans and leases to total assets | 59.3353% | 3,869 |
| Net loans and leases to deposits | 70.1135% | 3,845 |
| Net loans and leases to core deposits | 70.9538% | 4,083 |
| Total domestic deposits to total assets | 84.6275% | 2,827 |
| Equity capital to assets | 7.7692% | 5,301 |
| Core capital (leverage) ratio | 8.7443% | 4,932 |
| Tier 1 risk-based capital ratio | 13.8306% | 3,446 |
| Total risk-based capital ratio | 14.7958% | 3,501 |
| Memoranda: | ||
| Average total assets | $393,954,670 | 1,754 |
| Average earning assets | $368,806,000 | 1,741 |
| Average equity | $30,815,670 | 2,298 |
| Average total loans | $234,094,000 | 1,924 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6475% | 4,600 |
| Cost of funding earning assets | 0.2761% | 4,535 |
| Net interest margin | 3.3714% | 3,980 |
| Noninterest income to average assets | 0.4047% | 3,427 |
| Noninterest expense to average assets | 2.4447% | 3,829 |
| Loan and lease loss provision to assets | 0.1070% | 1,747 |
| Net operating income to assets | 0.8614% | 3,450 |
| Return on assets (ROA) | 0.8614% | 3,463 |
| Pretax return on assets | 1.0144% | 3,481 |
| Return on Equity (ROE) | 10.9753% | 1,984 |
| Retained earnings to average equity (ytd only) | 7.8580% | 1,895 |
| Net charge-offs to loans | -0.0569% | 5,028 |
| Credit loss provision to net charge-offs | -318.1818% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5535% | 2,740 |
| Assets per employee ($millions) | 4.6591% | 2,915 |
| Cash dividends to net income (ytd only)* | 28.4024% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 4,130 |
| Loan loss allowance to noncurrent loans | 94.3388% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.6184% | 2,458 |
| Noncurrent loans to loans | 1.0258% | 1,781 |
| Net loans and leases to total assets | 59.6945% | 3,780 |
| Net loans and leases to deposits | 70.8544% | 3,718 |
| Net loans and leases to core deposits | 71.5648% | 4,001 |
| Total domestic deposits to total assets | 84.2496% | 3,218 |
| Equity capital to assets | 7.7726% | 5,346 |
| Core capital (leverage) ratio | 8.7828% | 4,912 |
| Tier 1 risk-based capital ratio | 13.7365% | 3,527 |
| Total risk-based capital ratio | 14.6650% | 3,621 |
| Memoranda: | ||
| Average total assets | $392,366,500 | 1,769 |
| Average earning assets | $367,923,000 | 1,754 |
| Average equity | $30,796,500 | 2,318 |
| Average total loans | $232,120,000 | 1,948 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5044% | 4,782 |
| Cost of funding earning assets | 0.2685% | 4,411 |
| Net interest margin | 3.2359% | 4,344 |
| Noninterest income to average assets | 0.3987% | 3,644 |
| Noninterest expense to average assets | 2.3929% | 4,096 |
| Loan and lease loss provision to assets | 0.1042% | 2,148 |
| Net operating income to assets | 0.6233% | 3,918 |
| Return on assets (ROA) | 0.6262% | 3,941 |
| Pretax return on assets | 0.9307% | 3,809 |
| Return on Equity (ROE) | 7.9417% | 2,823 |
| Retained earnings to average equity (ytd only) | 5.1965% | 2,005 |
| Net charge-offs to loans | 0.0443% | 2,903 |
| Credit loss provision to net charge-offs | 409.0909% | 743 |
| Earnings coverage of net charge-offs (x) | 40.4444% | 1,254 |
| Efficiency ratio | 69.8970% | 2,570 |
| Assets per employee ($millions) | 4.6279% | 2,984 |
| Cash dividends to net income (ytd only)* | 34.5664% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 4,274 |
| Loan loss allowance to noncurrent loans | 92.7768% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.5877% | 2,593 |
| Noncurrent loans to loans | 1.0125% | 1,755 |
| Net loans and leases to total assets | 57.5005% | 4,060 |
| Net loans and leases to deposits | 68.2752% | 4,005 |
| Net loans and leases to core deposits | 69.0080% | 4,233 |
| Total domestic deposits to total assets | 84.2188% | 3,118 |
| Equity capital to assets | 7.9248% | 5,420 |
| Core capital (leverage) ratio | 8.5215% | 5,120 |
| Tier 1 risk-based capital ratio | 13.8841% | 3,427 |
| Total risk-based capital ratio | 14.7820% | 3,521 |
| Memoranda: | ||
| Average total assets | $388,518,800 | 1,759 |
| Average earning assets | $363,170,400 | 1,743 |
| Average equity | $30,635,800 | 2,317 |
| Average total loans | $223,672,200 | 1,977 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4892% | 4,832 |
| Cost of funding earning assets | 0.2716% | 4,390 |
| Net interest margin | 3.2176% | 4,406 |
| Noninterest income to average assets | 0.4024% | 3,667 |
| Noninterest expense to average assets | 2.3994% | 4,022 |
| Loan and lease loss provision to assets | 0.1033% | 2,050 |
| Net operating income to assets | 0.6952% | 4,008 |
| Return on assets (ROA) | 0.6992% | 4,048 |
| Pretax return on assets | 0.9102% | 4,007 |
| Return on Equity (ROE) | 8.8781% | 2,681 |
| Retained earnings to average equity (ytd only) | 6.0936% | 2,175 |
| Net charge-offs to loans | -0.0048% | 4,452 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4112% | 2,471 |
| Assets per employee ($millions) | 4.5813% | 2,998 |
| Cash dividends to net income (ytd only)* | 31.3638% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9436% | 4,350 |
| Loan loss allowance to noncurrent loans | 92.8232% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.5940% | 2,735 |
| Noncurrent loans to loans | 1.0166% | 1,912 |
| Net loans and leases to total assets | 57.8770% | 4,071 |
| Net loans and leases to deposits | 68.5400% | 4,076 |
| Net loans and leases to core deposits | 69.2208% | 4,293 |
| Total domestic deposits to total assets | 84.4427% | 2,941 |
| Equity capital to assets | 8.0719% | 5,498 |
| Core capital (leverage) ratio | 8.4206% | 5,303 |
| Tier 1 risk-based capital ratio | 13.6755% | 3,599 |
| Total risk-based capital ratio | 14.5754% | 3,721 |
| Memoranda: | ||
| Average total assets | $387,305,500 | 1,770 |
| Average earning assets | $361,756,500 | 1,754 |
| Average equity | $30,501,250 | 2,341 |
| Average total loans | $222,506,250 | 1,987 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4638% | 4,847 |
| Cost of funding earning assets | 0.2761% | 4,323 |
| Net interest margin | 3.1877% | 4,455 |
| Noninterest income to average assets | 0.3802% | 3,829 |
| Noninterest expense to average assets | 2.4045% | 4,041 |
| Loan and lease loss provision to assets | 0.0931% | 2,130 |
| Net operating income to assets | 0.6644% | 4,002 |
| Return on assets (ROA) | 0.6699% | 4,039 |
| Pretax return on assets | 0.8645% | 4,064 |
| Return on Equity (ROE) | 8.5788% | 2,739 |
| Retained earnings to average equity (ytd only) | 5.7104% | 2,284 |
| Net charge-offs to loans | -0.0063% | 4,398 |
| Credit loss provision to net charge-offs | -2,571.4286% | 4,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6731% | 2,402 |
| Assets per employee ($millions) | 4.5761% | 2,978 |
| Cash dividends to net income (ytd only)* | 33.4363% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 4,655 |
| Loan loss allowance to noncurrent loans | 106.9129% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 2,890 |
| Noncurrent loans to loans | 0.8381% | 2,310 |
| Net loans and leases to total assets | 56.9384% | 4,126 |
| Net loans and leases to deposits | 67.1913% | 4,129 |
| Net loans and leases to core deposits | 67.9583% | 4,351 |
| Total domestic deposits to total assets | 84.7407% | 2,914 |
| Equity capital to assets | 7.8906% | 5,580 |
| Core capital (leverage) ratio | 8.1437% | 5,464 |
| Tier 1 risk-based capital ratio | 13.4486% | 3,719 |
| Total risk-based capital ratio | 14.2976% | 3,886 |
| Memoranda: | ||
| Average total assets | $386,603,330 | 1,773 |
| Average earning assets | $360,763,000 | 1,760 |
| Average equity | $30,190,670 | 2,361 |
| Average total loans | $220,832,670 | 2,003 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3939% | 4,935 |
| Cost of funding earning assets | 0.2811% | 4,246 |
| Net interest margin | 3.1127% | 4,619 |
| Noninterest income to average assets | 0.3852% | 3,772 |
| Noninterest expense to average assets | 2.4576% | 3,940 |
| Loan and lease loss provision to assets | 0.0783% | 2,246 |
| Net operating income to assets | 0.5972% | 4,172 |
| Return on assets (ROA) | 0.6055% | 4,189 |
| Pretax return on assets | 0.7611% | 4,242 |
| Return on Equity (ROE) | 7.7958% | 3,023 |
| Retained earnings to average equity (ytd only) | 4.7178% | 3,048 |
| Net charge-offs to loans | -0.0073% | 4,300 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7776% | 2,099 |
| Assets per employee ($millions) | 4.5758% | 3,050 |
| Cash dividends to net income (ytd only)* | 39.4828% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8622% | 4,887 |
| Loan loss allowance to noncurrent loans | 93.6523% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 0.6653% | 2,637 |
| Noncurrent loans to loans | 0.9207% | 2,199 |
| Net loans and leases to total assets | 56.0396% | 4,164 |
| Net loans and leases to deposits | 67.1508% | 4,076 |
| Net loans and leases to core deposits | 68.1618% | 4,285 |
| Total domestic deposits to total assets | 83.4533% | 3,674 |
| Equity capital to assets | 7.6153% | 5,651 |
| Core capital (leverage) ratio | 8.3817% | 5,321 |
| Tier 1 risk-based capital ratio | 13.1917% | 3,955 |
| Total risk-based capital ratio | 13.9929% | 4,135 |
| Memoranda: | ||
| Average total assets | $383,133,500 | 1,804 |
| Average earning assets | $357,113,500 | 1,790 |
| Average equity | $29,759,500 | 2,399 |
| Average total loans | $218,197,500 | 2,039 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4635% | 4,865 |
| Cost of funding earning assets | 0.2948% | 4,124 |
| Net interest margin | 3.1687% | 4,538 |
| Noninterest income to average assets | 0.3088% | 4,528 |
| Noninterest expense to average assets | 2.6552% | 3,509 |
| Loan and lease loss provision to assets | 0.0516% | 3,357 |
| Net operating income to assets | 0.4613% | 4,765 |
| Return on assets (ROA) | 0.4919% | 4,738 |
| Pretax return on assets | 0.5791% | 4,843 |
| Return on Equity (ROE) | 5.9034% | 4,025 |
| Retained earnings to average equity (ytd only) | 3.1808% | 3,647 |
| Net charge-offs to loans | 0.0777% | 2,576 |
| Credit loss provision to net charge-offs | 117.8344% | 2,251 |
| Earnings coverage of net charge-offs (x) | 13.5924% | 2,355 |
| Efficiency ratio | 81.7013% | 1,239 |
| Assets per employee ($millions) | 4.3342% | 3,389 |
| Cash dividends to net income (ytd only)* | 46.1190% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 4,931 |
| Loan loss allowance to noncurrent loans | 96.6877% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.7080% | 2,605 |
| Noncurrent loans to loans | 0.8890% | 2,322 |
| Net loans and leases to total assets | 56.9049% | 4,176 |
| Net loans and leases to deposits | 67.8348% | 4,094 |
| Net loans and leases to core deposits | 68.8980% | 4,331 |
| Total domestic deposits to total assets | 83.8874% | 3,464 |
| Equity capital to assets | 7.9279% | 5,595 |
| Core capital (leverage) ratio | 8.4369% | 5,330 |
| Tier 1 risk-based capital ratio | 13.3141% | 3,888 |
| Total risk-based capital ratio | 14.0982% | 4,063 |
| Memoranda: | ||
| Average total assets | $358,841,400 | 1,860 |
| Average earning assets | $333,075,400 | 1,858 |
| Average equity | $29,897,800 | 2,356 |
| Average total loans | $202,154,400 | 2,106 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4474% | 4,927 |
| Cost of funding earning assets | 0.2945% | 4,162 |
| Net interest margin | 3.1529% | 4,627 |
| Noninterest income to average assets | 0.4075% | 3,870 |
| Noninterest expense to average assets | 2.7385% | 3,228 |
| Loan and lease loss provision to assets | 0.0413% | 3,410 |
| Net operating income to assets | 0.4655% | 4,819 |
| Return on assets (ROA) | 0.5061% | 4,777 |
| Pretax return on assets | 0.6003% | 4,878 |
| Return on Equity (ROE) | 5.9985% | 4,063 |
| Retained earnings to average equity (ytd only) | 3.2905% | 3,930 |
| Net charge-offs to loans | 0.0040% | 3,782 |
| Credit loss provision to net charge-offs | 1,833.3333% | 255 |
| Earnings coverage of net charge-offs (x) | 263.4938% | 309 |
| Efficiency ratio | 82.1959% | 1,173 |
| Assets per employee ($millions) | 4.2633% | 3,481 |
| Cash dividends to net income (ytd only)* | 45.1446% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 4,748 |
| Loan loss allowance to noncurrent loans | 76.4776% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 0.9240% | 2,250 |
| Noncurrent loans to loans | 1.2168% | 1,841 |
| Net loans and leases to total assets | 54.9639% | 4,406 |
| Net loans and leases to deposits | 64.5794% | 4,448 |
| Net loans and leases to core deposits | 65.7824% | 4,623 |
| Total domestic deposits to total assets | 85.1106% | 2,752 |
| Equity capital to assets | 8.2773% | 5,630 |
| Core capital (leverage) ratio | 8.5571% | 5,309 |
| Tier 1 risk-based capital ratio | 13.6941% | 3,749 |
| Total risk-based capital ratio | 14.5417% | 3,895 |
| Memoranda: | ||
| Average total assets | $355,365,500 | 1,886 |
| Average earning assets | $329,593,500 | 1,876 |
| Average equity | $29,984,500 | 2,369 |
| Average total loans | $199,205,750 | 2,131 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4442% | 4,993 |
| Cost of funding earning assets | 0.2968% | 4,170 |
| Net interest margin | 3.1474% | 4,700 |
| Noninterest income to average assets | 0.4175% | 3,767 |
| Noninterest expense to average assets | 2.8539% | 2,828 |
| Loan and lease loss provision to assets | 0.0257% | 3,621 |
| Net operating income to assets | 0.3974% | 5,040 |
| Return on assets (ROA) | 0.4615% | 4,917 |
| Pretax return on assets | 0.5311% | 5,069 |
| Return on Equity (ROE) | 5.4327% | 4,316 |
| Retained earnings to average equity (ytd only) | 2.5483% | 4,266 |
| Net charge-offs to loans | 0.0102% | 3,355 |
| Credit loss provision to net charge-offs | 450.0000% | 715 |
| Earnings coverage of net charge-offs (x) | 84.6000% | 675 |
| Efficiency ratio | 85.5211% | 924 |
| Assets per employee ($millions) | 4.0369% | 3,835 |
| Cash dividends to net income (ytd only)* | 53.0941% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9114% | 4,919 |
| Loan loss allowance to noncurrent loans | 67.6934% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 1.0204% | 2,097 |
| Noncurrent loans to loans | 1.3463% | 1,672 |
| Net loans and leases to total assets | 55.8636% | 4,326 |
| Net loans and leases to deposits | 66.0045% | 4,345 |
| Net loans and leases to core deposits | 67.2338% | 4,531 |
| Total domestic deposits to total assets | 84.6361% | 3,030 |
| Equity capital to assets | 8.4713% | 5,614 |
| Core capital (leverage) ratio | 8.6352% | 5,230 |
| Tier 1 risk-based capital ratio | 13.6698% | 3,789 |
| Total risk-based capital ratio | 14.4952% | 3,966 |
| Memoranda: | ||
| Average total assets | $350,185,000 | 1,912 |
| Average earning assets | $324,836,330 | 1,906 |
| Average equity | $29,745,670 | 2,387 |
| Average total loans | $197,014,330 | 2,150 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4657% | 4,969 |
| Cost of funding earning assets | 0.2938% | 4,234 |
| Net interest margin | 3.1719% | 4,669 |
| Noninterest income to average assets | 0.4236% | 3,659 |
| Noninterest expense to average assets | 2.8735% | 2,794 |
| Loan and lease loss provision to assets | 0.0174% | 3,462 |
| Net operating income to assets | 0.3931% | 5,016 |
| Return on assets (ROA) | 0.5185% | 4,655 |
| Pretax return on assets | 0.6180% | 4,764 |
| Return on Equity (ROE) | 6.0951% | 3,937 |
| Retained earnings to average equity (ytd only) | 3.0340% | 3,993 |
| Net charge-offs to loans | 0.0021% | 3,052 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 420.0000% | 137 |
| Efficiency ratio | 85.5322% | 1,020 |
| Assets per employee ($millions) | 3.9369% | 4,060 |
| Cash dividends to net income (ytd only)* | 50.2232% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9381% | 4,913 |
| Loan loss allowance to noncurrent loans | 70.1384% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.0525% | 2,103 |
| Noncurrent loans to loans | 1.3375% | 1,782 |
| Net loans and leases to total assets | 55.0005% | 4,354 |
| Net loans and leases to deposits | 65.0260% | 4,342 |
| Net loans and leases to core deposits | 66.2674% | 4,520 |
| Total domestic deposits to total assets | 84.5822% | 3,284 |
| Equity capital to assets | 8.4512% | 5,598 |
| Core capital (leverage) ratio | 8.9322% | 4,935 |
| Tier 1 risk-based capital ratio | 13.7968% | 3,814 |
| Total risk-based capital ratio | 14.6246% | 3,979 |
| Memoranda: | ||
| Average total assets | $345,635,500 | 1,941 |
| Average earning assets | $319,939,000 | 1,936 |
| Average equity | $29,400,500 | 2,409 |
| Average total loans | $194,244,000 | 2,168 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4728% | 4,999 |
| Cost of funding earning assets | 0.3027% | 4,215 |
| Net interest margin | 3.1701% | 4,715 |
| Noninterest income to average assets | 0.4360% | 3,778 |
| Noninterest expense to average assets | 2.7221% | 3,511 |
| Loan and lease loss provision to assets | 0.0513% | 3,297 |
| Net operating income to assets | 0.4804% | 4,765 |
| Return on assets (ROA) | 0.5087% | 4,748 |
| Pretax return on assets | 0.6200% | 4,779 |
| Return on Equity (ROE) | 6.1313% | 3,977 |
| Retained earnings to average equity (ytd only) | 2.9798% | 3,944 |
| Net charge-offs to loans | 0.3395% | 875 |
| Credit loss provision to net charge-offs | 27.2315% | 3,683 |
| Earnings coverage of net charge-offs (x) | 3.3828% | 3,738 |
| Efficiency ratio | 81.0412% | 1,531 |
| Assets per employee ($millions) | 3.7460% | 4,379 |
| Cash dividends to net income (ytd only)* | 51.3998% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9338% | 4,950 |
| Loan loss allowance to noncurrent loans | 74.0090% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 1.1458% | 1,904 |
| Noncurrent loans to loans | 1.2617% | 1,864 |
| Net loans and leases to total assets | 56.3645% | 4,266 |
| Net loans and leases to deposits | 67.5727% | 4,165 |
| Net loans and leases to core deposits | 68.6338% | 4,404 |
| Total domestic deposits to total assets | 83.4131% | 3,706 |
| Equity capital to assets | 8.5628% | 5,506 |
| Core capital (leverage) ratio | 8.7385% | 5,177 |
| Tier 1 risk-based capital ratio | 14.4301% | 3,478 |
| Total risk-based capital ratio | 15.2957% | 3,613 |
| Memoranda: | ||
| Average total assets | $351,120,000 | 1,865 |
| Average earning assets | $323,747,000 | 1,873 |
| Average equity | $29,129,000 | 2,383 |
| Average total loans | $194,705,200 | 2,126 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4582% | 5,082 |
| Cost of funding earning assets | 0.3049% | 4,279 |
| Net interest margin | 3.1533% | 4,813 |
| Noninterest income to average assets | 0.4135% | 3,980 |
| Noninterest expense to average assets | 2.7207% | 3,493 |
| Loan and lease loss provision to assets | 0.0509% | 3,189 |
| Net operating income to assets | 0.4493% | 4,973 |
| Return on assets (ROA) | 0.4867% | 4,926 |
| Pretax return on assets | 0.5919% | 4,990 |
| Return on Equity (ROE) | 5.9122% | 4,191 |
| Retained earnings to average equity (ytd only) | 3.1599% | 4,212 |
| Net charge-offs to loans | 0.0192% | 3,556 |
| Credit loss provision to net charge-offs | 482.1429% | 672 |
| Earnings coverage of net charge-offs (x) | 56.5751% | 952 |
| Efficiency ratio | 82.0020% | 1,395 |
| Assets per employee ($millions) | 3.8667% | 4,144 |
| Cash dividends to net income (ytd only)* | 46.5529% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 3,499 |
| Loan loss allowance to noncurrent loans | 66.1064% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 1.4179% | 1,613 |
| Noncurrent loans to loans | 1.8580% | 1,259 |
| Net loans and leases to total assets | 54.8258% | 4,480 |
| Net loans and leases to deposits | 64.9334% | 4,475 |
| Net loans and leases to core deposits | 66.4730% | 4,653 |
| Total domestic deposits to total assets | 84.4339% | 3,246 |
| Equity capital to assets | 8.4324% | 5,744 |
| Core capital (leverage) ratio | 8.6741% | 5,382 |
| Tier 1 risk-based capital ratio | 14.1340% | 3,773 |
| Total risk-based capital ratio | 15.2621% | 3,784 |
| Memoranda: | ||
| Average total assets | $353,679,250 | 1,865 |
| Average earning assets | $325,745,000 | 1,875 |
| Average equity | $29,114,000 | 2,397 |
| Average total loans | $194,894,500 | 2,133 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4447% | 5,125 |
| Cost of funding earning assets | 0.3118% | 4,261 |
| Net interest margin | 3.1329% | 4,871 |
| Noninterest income to average assets | 0.4008% | 4,076 |
| Noninterest expense to average assets | 2.7120% | 3,556 |
| Loan and lease loss provision to assets | 0.0593% | 2,914 |
| Net operating income to assets | 0.4342% | 5,026 |
| Return on assets (ROA) | 0.4511% | 5,069 |
| Pretax return on assets | 0.5431% | 5,112 |
| Return on Equity (ROE) | 5.5240% | 4,361 |
| Retained earnings to average equity (ytd only) | 2.7378% | 4,315 |
| Net charge-offs to loans | 0.0205% | 3,270 |
| Credit loss provision to net charge-offs | 525.0000% | 607 |
| Earnings coverage of net charge-offs (x) | 51.5500% | 939 |
| Efficiency ratio | 82.3308% | 1,443 |
| Assets per employee ($millions) | 3.8204% | 4,224 |
| Cash dividends to net income (ytd only)* | 50.4380% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 3,790 |
| Loan loss allowance to noncurrent loans | 62.0303% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 1.4619% | 1,698 |
| Noncurrent loans to loans | 1.9339% | 1,288 |
| Net loans and leases to total assets | 55.1013% | 4,439 |
| Net loans and leases to deposits | 64.4504% | 4,493 |
| Net loans and leases to core deposits | 65.9078% | 4,666 |
| Total domestic deposits to total assets | 85.4940% | 2,922 |
| Equity capital to assets | 8.1524% | 5,910 |
| Core capital (leverage) ratio | 8.3801% | 5,652 |
| Tier 1 risk-based capital ratio | 13.8184% | 4,027 |
| Total risk-based capital ratio | 14.9220% | 4,049 |
| Memoranda: | ||
| Average total assets | $354,283,330 | 1,876 |
| Average earning assets | $327,173,000 | 1,878 |
| Average equity | $28,928,330 | 2,422 |
| Average total loans | $194,755,000 | 2,130 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4640% | 5,055 |
| Cost of funding earning assets | 0.3233% | 4,183 |
| Net interest margin | 3.1407% | 4,817 |
| Noninterest income to average assets | 0.3516% | 4,384 |
| Noninterest expense to average assets | 2.6717% | 3,691 |
| Loan and lease loss provision to assets | 0.0678% | 2,585 |
| Net operating income to assets | 0.4211% | 4,990 |
| Return on assets (ROA) | 0.4545% | 4,966 |
| Pretax return on assets | 0.5529% | 5,037 |
| Return on Equity (ROE) | 5.5621% | 4,250 |
| Retained earnings to average equity (ytd only) | 2.7810% | 4,287 |
| Net charge-offs to loans | 0.0021% | 3,246 |
| Credit loss provision to net charge-offs | 6,000.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 513.0000% | 106 |
| Efficiency ratio | 82.1627% | 1,593 |
| Assets per employee ($millions) | 3.9441% | 4,072 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 3,977 |
| Loan loss allowance to noncurrent loans | 51.1643% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 1.6061% | 1,593 |
| Noncurrent loans to loans | 2.3467% | 1,050 |
| Net loans and leases to total assets | 54.5001% | 4,371 |
| Net loans and leases to deposits | 63.4720% | 4,429 |
| Net loans and leases to core deposits | 64.6966% | 4,638 |
| Total domestic deposits to total assets | 85.8648% | 3,010 |
| Equity capital to assets | 8.2481% | 5,907 |
| Core capital (leverage) ratio | 8.4086% | 5,619 |
| Tier 1 risk-based capital ratio | 13.8987% | 4,088 |
| Total risk-based capital ratio | 15.0038% | 4,096 |
| Memoranda: | ||
| Average total assets | $353,777,500 | 1,880 |
| Average earning assets | $326,676,000 | 1,887 |
| Average equity | $28,910,000 | 2,435 |
| Average total loans | $193,058,000 | 2,149 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4408% | 5,446 |
| Cost of funding earning assets | 0.3476% | 4,277 |
| Net interest margin | 3.0932% | 5,225 |
| Noninterest income to average assets | 0.3631% | 4,493 |
| Noninterest expense to average assets | 2.5701% | 4,322 |
| Loan and lease loss provision to assets | 0.0150% | 4,312 |
| Net operating income to assets | 0.4956% | 4,831 |
| Return on assets (ROA) | 0.5106% | 4,855 |
| Pretax return on assets | 0.6474% | 4,790 |
| Return on Equity (ROE) | 6.5145% | 3,891 |
| Retained earnings to average equity (ytd only) | 3.2482% | 3,916 |
| Net charge-offs to loans | 0.1669% | 2,360 |
| Credit loss provision to net charge-offs | 17.1521% | 4,009 |
| Earnings coverage of net charge-offs (x) | 7.3528% | 3,044 |
| Efficiency ratio | 79.9771% | 1,934 |
| Assets per employee ($millions) | 3.8746% | 4,215 |
| Cash dividends to net income (ytd only)* | 50.1387% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 3,973 |
| Loan loss allowance to noncurrent loans | 55.9980% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 1.4501% | 1,897 |
| Noncurrent loans to loans | 2.1507% | 1,255 |
| Net loans and leases to total assets | 53.3244% | 4,658 |
| Net loans and leases to deposits | 62.9787% | 4,640 |
| Net loans and leases to core deposits | 64.3564% | 4,804 |
| Total domestic deposits to total assets | 84.6705% | 3,433 |
| Equity capital to assets | 8.0950% | 6,010 |
| Core capital (leverage) ratio | 8.3078% | 5,769 |
| Tier 1 risk-based capital ratio | 14.5103% | 3,771 |
| Total risk-based capital ratio | 15.6429% | 3,775 |
| Memoranda: | ||
| Average total assets | $353,102,200 | 1,845 |
| Average earning assets | $325,386,600 | 1,843 |
| Average equity | $27,676,800 | 2,433 |
| Average total loans | $185,151,200 | 2,171 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4377% | 5,524 |
| Cost of funding earning assets | 0.3540% | 4,302 |
| Net interest margin | 3.0836% | 5,301 |
| Noninterest income to average assets | 0.3382% | 4,725 |
| Noninterest expense to average assets | 2.5520% | 4,354 |
| Loan and lease loss provision to assets | -0.0042% | 6,072 |
| Net operating income to assets | 0.4934% | 4,898 |
| Return on assets (ROA) | 0.5133% | 4,888 |
| Pretax return on assets | 0.6530% | 4,864 |
| Return on Equity (ROE) | 6.6033% | 3,904 |
| Retained earnings to average equity (ytd only) | 3.6755% | 4,026 |
| Net charge-offs to loans | 0.1414% | 2,384 |
| Credit loss provision to net charge-offs | -5.6410% | 5,226 |
| Earnings coverage of net charge-offs (x) | 8.4719% | 2,793 |
| Efficiency ratio | 80.3637% | 1,861 |
| Assets per employee ($millions) | 3.9600% | 3,964 |
| Cash dividends to net income (ytd only)* | 44.3382% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 3,835 |
| Loan loss allowance to noncurrent loans | 51.0573% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 1.5188% | 2,029 |
| Noncurrent loans to loans | 2.4819% | 1,186 |
| Net loans and leases to total assets | 51.1995% | 4,877 |
| Net loans and leases to deposits | 58.4542% | 5,068 |
| Net loans and leases to core deposits | 59.6098% | 5,221 |
| Total domestic deposits to total assets | 87.5892% | 1,986 |
| Equity capital to assets | 7.9793% | 6,142 |
| Core capital (leverage) ratio | 8.4208% | 5,737 |
| Tier 1 risk-based capital ratio | 14.7520% | 3,730 |
| Total risk-based capital ratio | 15.9341% | 3,710 |
| Memoranda: | ||
| Average total assets | $353,230,500 | 1,860 |
| Average earning assets | $325,019,750 | 1,856 |
| Average equity | $27,460,500 | 2,451 |
| Average total loans | $183,862,000 | 2,192 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4474% | 5,531 |
| Cost of funding earning assets | 0.3646% | 4,263 |
| Net interest margin | 3.0828% | 5,309 |
| Noninterest income to average assets | 0.2357% | 5,515 |
| Noninterest expense to average assets | 2.5777% | 4,322 |
| Loan and lease loss provision to assets | -0.0352% | 6,271 |
| Net operating income to assets | 0.4233% | 5,123 |
| Return on assets (ROA) | 0.4538% | 5,076 |
| Pretax return on assets | 0.5645% | 5,078 |
| Return on Equity (ROE) | 5.8891% | 4,219 |
| Retained earnings to average equity (ytd only) | 2.8819% | 4,367 |
| Net charge-offs to loans | 0.1351% | 2,321 |
| Credit loss provision to net charge-offs | -50.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | 6.9758% | 2,694 |
| Efficiency ratio | 83.9933% | 1,516 |
| Assets per employee ($millions) | 3.6836% | 4,480 |
| Cash dividends to net income (ytd only)* | 51.0638% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 4,011 |
| Loan loss allowance to noncurrent loans | 46.4503% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 1.7240% | 1,892 |
| Noncurrent loans to loans | 2.7407% | 1,100 |
| Net loans and leases to total assets | 52.3429% | 4,711 |
| Net loans and leases to deposits | 59.3606% | 4,919 |
| Net loans and leases to core deposits | 60.5848% | 5,094 |
| Total domestic deposits to total assets | 88.1779% | 1,808 |
| Equity capital to assets | 7.9847% | 6,161 |
| Core capital (leverage) ratio | 8.1832% | 5,947 |
| Tier 1 risk-based capital ratio | 14.3784% | 4,005 |
| Total risk-based capital ratio | 15.5551% | 3,994 |
| Memoranda: | ||
| Average total assets | $352,174,670 | 1,863 |
| Average earning assets | $323,665,000 | 1,857 |
| Average equity | $27,134,670 | 2,469 |
| Average total loans | $183,544,000 | 2,189 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4214% | 5,599 |
| Cost of funding earning assets | 0.3700% | 4,312 |
| Net interest margin | 3.0514% | 5,377 |
| Noninterest income to average assets | 0.1993% | 5,764 |
| Noninterest expense to average assets | 2.6132% | 4,227 |
| Loan and lease loss provision to assets | -0.0532% | 6,454 |
| Net operating income to assets | 0.3581% | 5,284 |
| Return on assets (ROA) | 0.4223% | 5,103 |
| Pretax return on assets | 0.5197% | 5,108 |
| Return on Equity (ROE) | 5.5815% | 4,240 |
| Retained earnings to average equity (ytd only) | 2.5289% | 4,548 |
| Net charge-offs to loans | 0.3024% | 1,157 |
| Credit loss provision to net charge-offs | -34.0580% | 4,717 |
| Earnings coverage of net charge-offs (x) | 2.4783% | 2,872 |
| Efficiency ratio | 87.0943% | 1,332 |
| Assets per employee ($millions) | 3.6975% | 4,525 |
| Cash dividends to net income (ytd only)* | 54.6917% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 4,105 |
| Loan loss allowance to noncurrent loans | 46.4517% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 2.0658% | 1,634 |
| Noncurrent loans to loans | 2.8066% | 1,185 |
| Net loans and leases to total assets | 50.3955% | 4,866 |
| Net loans and leases to deposits | 57.2040% | 5,016 |
| Net loans and leases to core deposits | 58.5429% | 5,156 |
| Total domestic deposits to total assets | 88.0979% | 2,177 |
| Equity capital to assets | 7.6360% | 6,257 |
| Core capital (leverage) ratio | 8.2197% | 5,928 |
| Tier 1 risk-based capital ratio | 14.5686% | 3,968 |
| Total risk-based capital ratio | 15.7705% | 3,949 |
| Memoranda: | ||
| Average total assets | $353,289,000 | 1,861 |
| Average earning assets | $324,308,000 | 1,857 |
| Average equity | $26,731,000 | 2,489 |
| Average total loans | $182,549,000 | 2,207 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7666% | 4,917 |
| Cost of funding earning assets | 0.4351% | 4,264 |
| Net interest margin | 3.3316% | 4,543 |
| Noninterest income to average assets | 0.3840% | 4,562 |
| Noninterest expense to average assets | 2.7481% | 3,915 |
| Loan and lease loss provision to assets | 0.0484% | 4,163 |
| Net operating income to assets | 0.4787% | 4,821 |
| Return on assets (ROA) | 0.4952% | 4,894 |
| Pretax return on assets | 0.6306% | 4,769 |
| Return on Equity (ROE) | 5.9438% | 4,119 |
| Retained earnings to average equity (ytd only) | 3.2845% | 3,895 |
| Net charge-offs to loans | 0.0317% | 4,796 |
| Credit loss provision to net charge-offs | 277.1930% | 821 |
| Earnings coverage of net charge-offs (x) | 37.6842% | 995 |
| Efficiency ratio | 80.6765% | 2,061 |
| Assets per employee ($millions) | 3.7406% | 4,390 |
| Cash dividends to net income (ytd only)* | 44.7401% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 3,717 |
| Loan loss allowance to noncurrent loans | 51.9682% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 2.0355% | 1,765 |
| Noncurrent loans to loans | 2.6669% | 1,381 |
| Net loans and leases to total assets | 51.5625% | 4,912 |
| Net loans and leases to deposits | 59.1648% | 5,019 |
| Net loans and leases to core deposits | 60.5770% | 5,178 |
| Total domestic deposits to total assets | 87.1507% | 2,646 |
| Equity capital to assets | 7.4960% | 6,284 |
| Core capital (leverage) ratio | 8.1928% | 5,984 |
| Tier 1 risk-based capital ratio | 14.3354% | 4,060 |
| Total risk-based capital ratio | 15.5858% | 4,003 |
| Memoranda: | ||
| Average total assets | $326,339,800 | 1,975 |
| Average earning assets | $296,046,400 | 2,002 |
| Average equity | $27,188,200 | 2,441 |
| Average total loans | $179,722,200 | 2,195 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8182% | 4,780 |
| Cost of funding earning assets | 0.4471% | 4,308 |
| Net interest margin | 3.3711% | 4,395 |
| Noninterest income to average assets | 0.4375% | 4,243 |
| Noninterest expense to average assets | 2.7481% | 3,838 |
| Loan and lease loss provision to assets | 0.0596% | 3,858 |
| Net operating income to assets | 0.5252% | 4,686 |
| Return on assets (ROA) | 0.5470% | 4,738 |
| Pretax return on assets | 0.7087% | 4,665 |
| Return on Equity (ROE) | 6.3901% | 3,983 |
| Retained earnings to average equity (ytd only) | 4.2292% | 3,674 |
| Net charge-offs to loans | 0.0381% | 4,384 |
| Credit loss provision to net charge-offs | 280.3922% | 909 |
| Earnings coverage of net charge-offs (x) | 34.8226% | 1,103 |
| Efficiency ratio | 78.7864% | 2,296 |
| Assets per employee ($millions) | 3.5035% | 4,841 |
| Cash dividends to net income (ytd only)* | 33.8160% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 3,901 |
| Loan loss allowance to noncurrent loans | 46.2646% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 2.4471% | 1,582 |
| Noncurrent loans to loans | 3.0236% | 1,328 |
| Net loans and leases to total assets | 54.3440% | 4,553 |
| Net loans and leases to deposits | 62.2878% | 4,716 |
| Net loans and leases to core deposits | 64.0369% | 4,897 |
| Total domestic deposits to total assets | 87.2467% | 2,539 |
| Equity capital to assets | 8.0337% | 6,128 |
| Core capital (leverage) ratio | 8.9444% | 5,212 |
| Tier 1 risk-based capital ratio | 14.7010% | 3,950 |
| Total risk-based capital ratio | 15.9519% | 3,910 |
| Memoranda: | ||
| Average total assets | $320,021,250 | 2,018 |
| Average earning assets | $289,589,750 | 2,055 |
| Average equity | $27,396,000 | 2,449 |
| Average total loans | $178,690,500 | 2,208 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8549% | 4,638 |
| Cost of funding earning assets | 0.4601% | 4,309 |
| Net interest margin | 3.3948% | 4,207 |
| Noninterest income to average assets | 0.4784% | 3,971 |
| Noninterest expense to average assets | 2.7439% | 3,876 |
| Loan and lease loss provision to assets | 0.0902% | 3,280 |
| Net operating income to assets | 0.5587% | 4,507 |
| Return on assets (ROA) | 0.5913% | 4,519 |
| Pretax return on assets | 0.7787% | 4,394 |
| Return on Equity (ROE) | 6.7631% | 3,737 |
| Retained earnings to average equity (ytd only) | 5.2907% | 2,868 |
| Net charge-offs to loans | -0.0068% | 5,691 |
| Credit loss provision to net charge-offs | -2,383.3333% | 6,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8605% | 2,657 |
| Assets per employee ($millions) | 3.4301% | 4,992 |
| Cash dividends to net income (ytd only)* | 21.7716% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 3,912 |
| Loan loss allowance to noncurrent loans | 59.6919% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 2.1327% | 2,021 |
| Noncurrent loans to loans | 2.3905% | 1,965 |
| Net loans and leases to total assets | 56.8286% | 4,161 |
| Net loans and leases to deposits | 65.2217% | 4,358 |
| Net loans and leases to core deposits | 67.1325% | 4,580 |
| Total domestic deposits to total assets | 87.1315% | 2,742 |
| Equity capital to assets | 8.5931% | 5,677 |
| Core capital (leverage) ratio | 8.9967% | 4,994 |
| Tier 1 risk-based capital ratio | 14.8051% | 3,906 |
| Total risk-based capital ratio | 16.0563% | 3,873 |
| Memoranda: | ||
| Average total assets | $316,919,670 | 2,044 |
| Average earning assets | $288,616,330 | 2,069 |
| Average equity | $27,709,000 | 2,441 |
| Average total loans | $177,751,330 | 2,223 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8520% | 4,643 |
| Cost of funding earning assets | 0.4843% | 4,244 |
| Net interest margin | 3.3677% | 4,244 |
| Noninterest income to average assets | 0.4358% | 4,216 |
| Noninterest expense to average assets | 2.6764% | 4,164 |
| Loan and lease loss provision to assets | 0.1008% | 2,996 |
| Net operating income to assets | 0.5549% | 4,432 |
| Return on assets (ROA) | 0.5743% | 4,486 |
| Pretax return on assets | 0.7494% | 4,372 |
| Return on Equity (ROE) | 6.5131% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.5131% | 2,403 |
| Net charge-offs to loans | -0.0068% | 5,337 |
| Credit loss provision to net charge-offs | -2,666.6667% | 5,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4388% | 2,854 |
| Assets per employee ($millions) | 3.3624% | 5,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 4,058 |
| Loan loss allowance to noncurrent loans | 81.5340% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.4145% | 3,151 |
| Noncurrent loans to loans | 1.7650% | 2,915 |
| Net loans and leases to total assets | 55.4148% | 4,181 |
| Net loans and leases to deposits | 64.0376% | 4,309 |
| Net loans and leases to core deposits | 65.9629% | 4,536 |
| Total domestic deposits to total assets | 86.5347% | 3,212 |
| Equity capital to assets | 8.9894% | 5,495 |
| Core capital (leverage) ratio | 8.9567% | 4,955 |
| Tier 1 risk-based capital ratio | 15.1582% | 3,731 |
| Total risk-based capital ratio | 16.4099% | 3,684 |
| Memoranda: | ||
| Average total assets | $317,595,500 | 2,059 |
| Average earning assets | $289,096,000 | 2,087 |
| Average equity | $28,005,000 | 2,446 |
| Average total loans | $175,662,500 | 2,265 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0992% | 4,951 |
| Cost of funding earning assets | 0.6645% | 3,788 |
| Net interest margin | 3.4347% | 4,762 |
| Noninterest income to average assets | 0.4948% | 3,936 |
| Noninterest expense to average assets | 2.7923% | 4,048 |
| Loan and lease loss provision to assets | 0.1329% | 3,963 |
| Net operating income to assets | 0.5049% | 4,675 |
| Return on assets (ROA) | 0.5336% | 4,815 |
| Pretax return on assets | 0.6998% | 4,665 |
| Return on Equity (ROE) | 6.0467% | 4,150 |
| Retained earnings to average equity (ytd only) | 1.9018% | 4,883 |
| Net charge-offs to loans | 0.2578% | 3,397 |
| Credit loss provision to net charge-offs | 94.3182% | 3,298 |
| Earnings coverage of net charge-offs (x) | 5.6409% | 2,986 |
| Efficiency ratio | 77.8393% | 2,472 |
| Assets per employee ($millions) | 3.5439% | 4,914 |
| Cash dividends to net income (ytd only)* | 68.5474% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 4,197 |
| Loan loss allowance to noncurrent loans | 94.8450% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.2937% | 3,492 |
| Noncurrent loans to loans | 1.4700% | 3,389 |
| Net loans and leases to total assets | 53.6654% | 4,662 |
| Net loans and leases to deposits | 63.4988% | 4,602 |
| Net loans and leases to core deposits | 65.4559% | 4,794 |
| Total domestic deposits to total assets | 84.5140% | 4,079 |
| Equity capital to assets | 8.6514% | 5,906 |
| Core capital (leverage) ratio | 8.5855% | 5,480 |
| Tier 1 risk-based capital ratio | 14.7753% | 3,851 |
| Total risk-based capital ratio | 16.0250% | 3,801 |
| Memoranda: | ||
| Average total assets | $312,218,800 | 2,057 |
| Average earning assets | $281,100,600 | 2,095 |
| Average equity | $27,552,200 | 2,442 |
| Average total loans | $170,693,200 | 2,309 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 4,926 |
| Cost of funding earning assets | 0.6967% | 3,796 |
| Net interest margin | 3.4714% | 4,750 |
| Noninterest income to average assets | 0.4900% | 3,984 |
| Noninterest expense to average assets | 2.7613% | 4,125 |
| Loan and lease loss provision to assets | 0.1464% | 3,709 |
| Net operating income to assets | 0.5261% | 4,727 |
| Return on assets (ROA) | 0.5641% | 4,822 |
| Pretax return on assets | 0.7453% | 4,689 |
| Return on Equity (ROE) | 6.3594% | 4,134 |
| Retained earnings to average equity (ytd only) | 3.1748% | 4,636 |
| Net charge-offs to loans | 0.2030% | 3,516 |
| Credit loss provision to net charge-offs | 131.7829% | 2,185 |
| Earnings coverage of net charge-offs (x) | 7.5775% | 2,584 |
| Efficiency ratio | 76.6372% | 2,578 |
| Assets per employee ($millions) | 3.3923% | 5,226 |
| Cash dividends to net income (ytd only)* | 50.0761% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 4,026 |
| Loan loss allowance to noncurrent loans | 70.4941% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.2898% | 3,714 |
| Noncurrent loans to loans | 2.1024% | 2,731 |
| Net loans and leases to total assets | 53.2398% | 4,868 |
| Net loans and leases to deposits | 62.8502% | 4,868 |
| Net loans and leases to core deposits | 64.7383% | 5,081 |
| Total domestic deposits to total assets | 84.7091% | 3,882 |
| Equity capital to assets | 8.7633% | 6,054 |
| Core capital (leverage) ratio | 8.8162% | 5,319 |
| Tier 1 risk-based capital ratio | 15.0867% | 3,789 |
| Total risk-based capital ratio | 16.3383% | 3,739 |
| Memoranda: | ||
| Average total assets | $309,650,750 | 2,103 |
| Average earning assets | $277,694,750 | 2,133 |
| Average equity | $27,465,250 | 2,463 |
| Average total loans | $169,488,250 | 2,347 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2117% | 4,907 |
| Cost of funding earning assets | 0.7277% | 3,789 |
| Net interest margin | 3.4841% | 4,744 |
| Noninterest income to average assets | 0.4997% | 3,923 |
| Noninterest expense to average assets | 2.7863% | 4,069 |
| Loan and lease loss provision to assets | 0.1696% | 3,408 |
| Net operating income to assets | 0.5035% | 4,808 |
| Return on assets (ROA) | 0.5597% | 4,821 |
| Pretax return on assets | 0.7424% | 4,690 |
| Return on Equity (ROE) | 6.2844% | 4,169 |
| Retained earnings to average equity (ytd only) | 3.1202% | 4,551 |
| Net charge-offs to loans | 0.2800% | 2,920 |
| Credit loss provision to net charge-offs | 110.1695% | 2,476 |
| Earnings coverage of net charge-offs (x) | 5.4364% | 2,838 |
| Efficiency ratio | 76.8995% | 2,614 |
| Assets per employee ($millions) | 3.2957% | 5,454 |
| Cash dividends to net income (ytd only)* | 50.3497% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4634% | 4,187 |
| Loan loss allowance to noncurrent loans | 70.6082% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 1.3267% | 3,783 |
| Noncurrent loans to loans | 2.0726% | 2,859 |
| Net loans and leases to total assets | 54.2499% | 4,755 |
| Net loans and leases to deposits | 65.0264% | 4,642 |
| Net loans and leases to core deposits | 67.2275% | 4,872 |
| Total domestic deposits to total assets | 83.4275% | 4,564 |
| Equity capital to assets | 8.8942% | 5,812 |
| Core capital (leverage) ratio | 8.9932% | 4,929 |
| Tier 1 risk-based capital ratio | 15.1870% | 3,640 |
| Total risk-based capital ratio | 16.4386% | 3,604 |
| Memoranda: | ||
| Average total assets | $306,575,670 | 2,115 |
| Average earning assets | $274,850,330 | 2,156 |
| Average equity | $27,305,670 | 2,462 |
| Average total loans | $168,543,330 | 2,365 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 4,924 |
| Cost of funding earning assets | 0.7520% | 3,849 |
| Net interest margin | 3.4978% | 4,712 |
| Noninterest income to average assets | 0.4840% | 4,033 |
| Noninterest expense to average assets | 2.7793% | 4,123 |
| Loan and lease loss provision to assets | 0.2230% | 2,719 |
| Net operating income to assets | 0.4650% | 4,978 |
| Return on assets (ROA) | 0.5378% | 4,868 |
| Pretax return on assets | 0.7070% | 4,766 |
| Return on Equity (ROE) | 6.0335% | 4,273 |
| Retained earnings to average equity (ytd only) | 2.6930% | 4,914 |
| Net charge-offs to loans | 0.5635% | 1,677 |
| Credit loss provision to net charge-offs | 72.0339% | 2,870 |
| Earnings coverage of net charge-offs (x) | 2.6949% | 3,104 |
| Efficiency ratio | 76.9147% | 2,661 |
| Assets per employee ($millions) | 3.2878% | 5,593 |
| Cash dividends to net income (ytd only)* | 55.3659% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 4,506 |
| Loan loss allowance to noncurrent loans | 72.0659% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.2953% | 3,973 |
| Noncurrent loans to loans | 1.9737% | 3,195 |
| Net loans and leases to total assets | 53.9783% | 4,727 |
| Net loans and leases to deposits | 66.1405% | 4,361 |
| Net loans and leases to core deposits | 67.9706% | 4,676 |
| Total domestic deposits to total assets | 81.6115% | 5,423 |
| Equity capital to assets | 8.8089% | 5,744 |
| Core capital (leverage) ratio | 9.1133% | 4,665 |
| Tier 1 risk-based capital ratio | 15.2606% | 3,577 |
| Total risk-based capital ratio | 16.5117% | 3,544 |
| Memoranda: | ||
| Average total assets | $304,965,500 | 2,134 |
| Average earning assets | $272,857,500 | 2,179 |
| Average equity | $27,181,500 | 2,462 |
| Average total loans | $167,535,000 | 2,393 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4789% | 5,157 |
| Cost of funding earning assets | 0.8796% | 4,255 |
| Net interest margin | 3.5993% | 4,732 |
| Noninterest income to average assets | 0.4837% | 3,969 |
| Noninterest expense to average assets | 2.9118% | 3,912 |
| Loan and lease loss provision to assets | 0.2730% | 3,490 |
| Net operating income to assets | 0.4002% | 4,862 |
| Return on assets (ROA) | 0.4854% | 4,694 |
| Pretax return on assets | 0.6342% | 4,579 |
| Return on Equity (ROE) | 5.3278% | 4,236 |
| Retained earnings to average equity (ytd only) | 2.2081% | 4,641 |
| Net charge-offs to loans | 0.2649% | 4,117 |
| Credit loss provision to net charge-offs | 190.4988% | 1,341 |
| Earnings coverage of net charge-offs (x) | 5.5582% | 2,754 |
| Efficiency ratio | 78.5203% | 2,522 |
| Assets per employee ($millions) | 3.2353% | 5,644 |
| Cash dividends to net income (ytd only)* | 58.5554% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 4,071 |
| Loan loss allowance to noncurrent loans | 65.6399% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 1.3780% | 3,938 |
| Noncurrent loans to loans | 2.2708% | 2,881 |
| Net loans and leases to total assets | 54.2976% | 4,990 |
| Net loans and leases to deposits | 65.4519% | 4,810 |
| Net loans and leases to core deposits | 67.2493% | 5,128 |
| Total domestic deposits to total assets | 82.9579% | 4,766 |
| Equity capital to assets | 9.0199% | 5,528 |
| Core capital (leverage) ratio | 9.0193% | 4,745 |
| Tier 1 risk-based capital ratio | 15.4828% | 3,334 |
| Total risk-based capital ratio | 16.7350% | 3,292 |
| Memoranda: | ||
| Average total assets | $293,773,600 | 2,172 |
| Average earning assets | $263,190,400 | 2,218 |
| Average equity | $26,765,200 | 2,415 |
| Average total loans | $158,902,200 | 2,514 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4921% | 5,274 |
| Cost of funding earning assets | 0.9033% | 4,373 |
| Net interest margin | 3.5888% | 4,815 |
| Noninterest income to average assets | 0.4603% | 4,217 |
| Noninterest expense to average assets | 2.9397% | 3,778 |
| Loan and lease loss provision to assets | 0.2557% | 3,460 |
| Net operating income to assets | 0.3706% | 5,127 |
| Return on assets (ROA) | 0.4662% | 4,886 |
| Pretax return on assets | 0.6073% | 4,784 |
| Return on Equity (ROE) | 5.1039% | 4,487 |
| Retained earnings to average equity (ytd only) | 1.7796% | 5,251 |
| Net charge-offs to loans | 0.0882% | 5,092 |
| Credit loss provision to net charge-offs | 538.4615% | 512 |
| Earnings coverage of net charge-offs (x) | 15.5581% | 1,460 |
| Efficiency ratio | 79.9156% | 2,264 |
| Assets per employee ($millions) | 3.2705% | 5,534 |
| Cash dividends to net income (ytd only)* | 65.1319% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5572% | 3,860 |
| Loan loss allowance to noncurrent loans | 56.7008% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 1.5876% | 3,708 |
| Noncurrent loans to loans | 2.7463% | 2,545 |
| Net loans and leases to total assets | 54.1043% | 5,145 |
| Net loans and leases to deposits | 65.5679% | 4,963 |
| Net loans and leases to core deposits | 67.3244% | 5,263 |
| Total domestic deposits to total assets | 82.5165% | 4,870 |
| Equity capital to assets | 9.2039% | 5,506 |
| Core capital (leverage) ratio | 9.2680% | 4,509 |
| Tier 1 risk-based capital ratio | 15.7487% | 3,253 |
| Total risk-based capital ratio | 17.0020% | 3,214 |
| Memoranda: | ||
| Average total assets | $291,997,250 | 2,194 |
| Average earning assets | $261,847,500 | 2,234 |
| Average equity | $26,671,750 | 2,427 |
| Average total loans | $157,167,250 | 2,562 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5187% | 5,297 |
| Cost of funding earning assets | 0.9272% | 4,477 |
| Net interest margin | 3.5915% | 4,753 |
| Noninterest income to average assets | 0.4853% | 3,976 |
| Noninterest expense to average assets | 3.0001% | 3,640 |
| Loan and lease loss provision to assets | 0.1930% | 3,995 |
| Net operating income to assets | 0.3990% | 4,951 |
| Return on assets (ROA) | 0.4881% | 4,693 |
| Pretax return on assets | 0.6404% | 4,614 |
| Return on Equity (ROE) | 5.3572% | 4,277 |
| Retained earnings to average equity (ytd only) | 1.6117% | 5,184 |
| Net charge-offs to loans | 0.0581% | 5,070 |
| Credit loss provision to net charge-offs | 622.2222% | 502 |
| Earnings coverage of net charge-offs (x) | 23.0889% | 1,100 |
| Efficiency ratio | 80.7271% | 2,276 |
| Assets per employee ($millions) | 3.0662% | 5,942 |
| Cash dividends to net income (ytd only)* | 69.9153% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 4,226 |
| Loan loss allowance to noncurrent loans | 52.8516% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 1.6755% | 3,666 |
| Noncurrent loans to loans | 2.7992% | 2,600 |
| Net loans and leases to total assets | 53.7433% | 5,332 |
| Net loans and leases to deposits | 65.5585% | 5,063 |
| Net loans and leases to core deposits | 67.6767% | 5,324 |
| Total domestic deposits to total assets | 81.9777% | 5,177 |
| Equity capital to assets | 9.4123% | 4,954 |
| Core capital (leverage) ratio | 9.2651% | 4,301 |
| Tier 1 risk-based capital ratio | 16.3106% | 2,828 |
| Total risk-based capital ratio | 17.5625% | 2,798 |
| Memoranda: | ||
| Average total assets | $290,125,670 | 2,216 |
| Average earning assets | $261,006,330 | 2,246 |
| Average equity | $26,431,670 | 2,430 |
| Average total loans | $155,033,670 | 2,610 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4784% | 5,412 |
| Cost of funding earning assets | 0.9562% | 4,524 |
| Net interest margin | 3.5222% | 4,906 |
| Noninterest income to average assets | 0.4947% | 3,934 |
| Noninterest expense to average assets | 3.0466% | 3,463 |
| Loan and lease loss provision to assets | 0.0742% | 5,071 |
| Net operating income to assets | 0.4356% | 4,778 |
| Return on assets (ROA) | 0.4356% | 4,860 |
| Pretax return on assets | 0.5579% | 4,837 |
| Return on Equity (ROE) | 4.8613% | 4,475 |
| Retained earnings to average equity (ytd only) | 2.4690% | 4,674 |
| Net charge-offs to loans | 0.1169% | 3,833 |
| Credit loss provision to net charge-offs | 120.0000% | 2,273 |
| Earnings coverage of net charge-offs (x) | 10.2222% | 1,651 |
| Efficiency ratio | 82.8166% | 2,110 |
| Assets per employee ($millions) | 3.1455% | 5,841 |
| Cash dividends to net income (ytd only)* | 49.2114% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 4,859 |
| Loan loss allowance to noncurrent loans | 76.5585% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.1980% | 4,561 |
| Noncurrent loans to loans | 1.7756% | 3,856 |
| Net loans and leases to total assets | 52.6566% | 5,504 |
| Net loans and leases to deposits | 64.0720% | 5,245 |
| Net loans and leases to core deposits | 66.0513% | 5,502 |
| Total domestic deposits to total assets | 82.1836% | 5,232 |
| Equity capital to assets | 9.0895% | 5,070 |
| Core capital (leverage) ratio | 9.2387% | 4,230 |
| Tier 1 risk-based capital ratio | 16.4210% | 2,698 |
| Total risk-based capital ratio | 17.6875% | 2,666 |
| Memoranda: | ||
| Average total assets | $291,078,500 | 2,220 |
| Average earning assets | $263,132,000 | 2,248 |
| Average equity | $26,083,500 | 2,447 |
| Average total loans | $153,938,000 | 2,647 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7223% | 5,720 |
| Cost of funding earning assets | 1.1390% | 4,914 |
| Net interest margin | 3.5833% | 4,894 |
| Noninterest income to average assets | 0.5397% | 3,888 |
| Noninterest expense to average assets | 2.9970% | 3,858 |
| Loan and lease loss provision to assets | 0.1748% | 5,477 |
| Net operating income to assets | 0.4639% | 4,253 |
| Return on assets (ROA) | 0.4690% | 4,398 |
| Pretax return on assets | 0.6094% | 4,292 |
| Return on Equity (ROE) | 5.1570% | 4,001 |
| Retained earnings to average equity (ytd only) | 2.9097% | 3,822 |
| Net charge-offs to loans | 0.1596% | 5,388 |
| Credit loss provision to net charge-offs | 204.0650% | 1,524 |
| Earnings coverage of net charge-offs (x) | 9.0772% | 1,881 |
| Efficiency ratio | 79.4004% | 2,497 |
| Assets per employee ($millions) | 3.2172% | 5,630 |
| Cash dividends to net income (ytd only)* | 43.5783% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 4,685 |
| Loan loss allowance to noncurrent loans | 69.7465% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.3871% | 4,261 |
| Noncurrent loans to loans | 1.9545% | 3,627 |
| Net loans and leases to total assets | 51.6800% | 5,963 |
| Net loans and leases to deposits | 63.8338% | 5,648 |
| Net loans and leases to core deposits | 65.4837% | 5,928 |
| Total domestic deposits to total assets | 80.9603% | 5,536 |
| Equity capital to assets | 8.8340% | 5,386 |
| Core capital (leverage) ratio | 9.0165% | 4,518 |
| Tier 1 risk-based capital ratio | 16.2819% | 2,622 |
| Total risk-based capital ratio | 17.5336% | 2,581 |
| Memoranda: | ||
| Average total assets | $287,187,400 | 2,231 |
| Average earning assets | $259,259,400 | 2,267 |
| Average equity | $26,119,800 | 2,450 |
| Average total loans | $154,149,400 | 2,698 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7921% | 5,699 |
| Cost of funding earning assets | 1.1674% | 5,045 |
| Net interest margin | 3.6247% | 4,752 |
| Noninterest income to average assets | 0.5407% | 3,855 |
| Noninterest expense to average assets | 3.0002% | 3,745 |
| Loan and lease loss provision to assets | 0.1735% | 5,306 |
| Net operating income to assets | 0.4762% | 4,414 |
| Return on assets (ROA) | 0.4829% | 4,589 |
| Pretax return on assets | 0.6480% | 4,430 |
| Return on Equity (ROE) | 5.2703% | 4,162 |
| Retained earnings to average equity (ytd only) | 3.0960% | 4,270 |
| Net charge-offs to loans | 0.2937% | 4,194 |
| Credit loss provision to net charge-offs | 109.4118% | 3,884 |
| Earnings coverage of net charge-offs (x) | 5.1236% | 2,842 |
| Efficiency ratio | 78.6859% | 2,533 |
| Assets per employee ($millions) | 3.1905% | 5,693 |
| Cash dividends to net income (ytd only)* | 41.2560% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 5,373 |
| Loan loss allowance to noncurrent loans | 54.3523% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 1.5682% | 4,091 |
| Noncurrent loans to loans | 2.2527% | 3,387 |
| Net loans and leases to total assets | 52.4542% | 6,049 |
| Net loans and leases to deposits | 65.1099% | 5,774 |
| Net loans and leases to core deposits | 66.9455% | 6,043 |
| Total domestic deposits to total assets | 80.5626% | 5,521 |
| Equity capital to assets | 9.2717% | 5,185 |
| Core capital (leverage) ratio | 9.2606% | 4,259 |
| Tier 1 risk-based capital ratio | 16.4935% | 2,557 |
| Total risk-based capital ratio | 17.6584% | 2,544 |
| Memoranda: | ||
| Average total assets | $285,792,500 | 2,275 |
| Average earning assets | $258,002,500 | 2,303 |
| Average equity | $26,184,000 | 2,483 |
| Average total loans | $154,338,500 | 2,741 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 5,829 |
| Cost of funding earning assets | 1.1979% | 5,140 |
| Net interest margin | 3.5923% | 4,850 |
| Noninterest income to average assets | 0.5537% | 3,679 |
| Noninterest expense to average assets | 3.0216% | 3,628 |
| Loan and lease loss provision to assets | 0.0967% | 5,945 |
| Net operating income to assets | 0.5078% | 4,290 |
| Return on assets (ROA) | 0.5005% | 4,479 |
| Pretax return on assets | 0.6708% | 4,338 |
| Return on Equity (ROE) | 5.4844% | 4,054 |
| Retained earnings to average equity (ytd only) | 3.4335% | 3,923 |
| Net charge-offs to loans | 0.1446% | 4,780 |
| Credit loss provision to net charge-offs | 123.2143% | 3,277 |
| Earnings coverage of net charge-offs (x) | 9.9018% | 1,959 |
| Efficiency ratio | 79.5387% | 2,503 |
| Assets per employee ($millions) | 2.9936% | 6,149 |
| Cash dividends to net income (ytd only)* | 37.3950% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 5,415 |
| Loan loss allowance to noncurrent loans | 47.2095% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 1.5127% | 4,186 |
| Noncurrent loans to loans | 2.5562% | 3,098 |
| Net loans and leases to total assets | 53.5724% | 6,039 |
| Net loans and leases to deposits | 67.1116% | 5,669 |
| Net loans and leases to core deposits | 68.7859% | 5,988 |
| Total domestic deposits to total assets | 79.8259% | 5,781 |
| Equity capital to assets | 9.3238% | 4,972 |
| Core capital (leverage) ratio | 9.2152% | 4,278 |
| Tier 1 risk-based capital ratio | 16.2720% | 2,564 |
| Total risk-based capital ratio | 17.4245% | 2,557 |
| Memoranda: | ||
| Average total assets | $285,342,670 | 2,298 |
| Average earning assets | $257,775,000 | 2,329 |
| Average equity | $26,037,670 | 2,488 |
| Average total loans | $154,956,330 | 2,766 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8457% | 5,699 |
| Cost of funding earning assets | 1.2440% | 5,150 |
| Net interest margin | 3.6017% | 4,721 |
| Noninterest income to average assets | 0.5472% | 3,672 |
| Noninterest expense to average assets | 2.9907% | 3,717 |
| Loan and lease loss provision to assets | 0.0742% | 5,897 |
| Net operating income to assets | 0.5472% | 4,150 |
| Return on assets (ROA) | 0.5472% | 4,283 |
| Pretax return on assets | 0.7361% | 4,107 |
| Return on Equity (ROE) | 6.0624% | 3,851 |
| Retained earnings to average equity (ytd only) | 4.6204% | 3,366 |
| Net charge-offs to loans | 0.1262% | 4,212 |
| Credit loss provision to net charge-offs | 108.1633% | 3,182 |
| Earnings coverage of net charge-offs (x) | 11.8163% | 1,618 |
| Efficiency ratio | 78.6819% | 2,778 |
| Assets per employee ($millions) | 3.0778% | 6,048 |
| Cash dividends to net income (ytd only)* | 23.7852% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 5,537 |
| Loan loss allowance to noncurrent loans | 113.9405% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 5,778 |
| Noncurrent loans to loans | 1.0466% | 5,252 |
| Net loans and leases to total assets | 53.8109% | 6,051 |
| Net loans and leases to deposits | 66.9073% | 5,720 |
| Net loans and leases to core deposits | 68.6070% | 6,046 |
| Total domestic deposits to total assets | 80.4261% | 5,648 |
| Equity capital to assets | 9.2217% | 4,961 |
| Core capital (leverage) ratio | 9.2087% | 4,208 |
| Tier 1 risk-based capital ratio | 16.1391% | 2,589 |
| Total risk-based capital ratio | 17.2758% | 2,603 |
| Memoranda: | ||
| Average total assets | $285,819,500 | 2,344 |
| Average earning assets | $258,209,500 | 2,366 |
| Average equity | $25,798,500 | 2,527 |
| Average total loans | $155,327,000 | 2,824 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1999% | 5,655 |
| Cost of funding earning assets | 1.8059% | 3,959 |
| Net interest margin | 3.3940% | 5,391 |
| Noninterest income to average assets | 0.5716% | 3,844 |
| Noninterest expense to average assets | 3.0307% | 4,024 |
| Loan and lease loss provision to assets | 0.2839% | 5,153 |
| Net operating income to assets | 0.2560% | 4,699 |
| Return on assets (ROA) | 0.3501% | 4,415 |
| Pretax return on assets | 0.4274% | 4,412 |
| Return on Equity (ROE) | 4.0382% | 4,080 |
| Retained earnings to average equity (ytd only) | 2.0471% | 3,672 |
| Net charge-offs to loans | 0.6203% | 3,352 |
| Credit loss provision to net charge-offs | 83.8280% | 6,194 |
| Earnings coverage of net charge-offs (x) | 1.7615% | 4,403 |
| Efficiency ratio | 83.5547% | 2,407 |
| Assets per employee ($millions) | 3.1019% | 5,989 |
| Cash dividends to net income (ytd only)* | 49.3069% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 5,517 |
| Loan loss allowance to noncurrent loans | 109.8802% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.6465% | 5,848 |
| Noncurrent loans to loans | 1.0675% | 5,186 |
| Net loans and leases to total assets | 53.5945% | 6,231 |
| Net loans and leases to deposits | 67.1380% | 5,928 |
| Net loans and leases to core deposits | 76.2486% | 6,381 |
| Total domestic deposits to total assets | 79.8274% | 5,720 |
| Equity capital to assets | 8.8342% | 5,374 |
| Core capital (leverage) ratio | 8.8892% | 4,609 |
| Tier 1 risk-based capital ratio | 15.7500% | 2,619 |
| Total risk-based capital ratio | 16.8690% | 2,619 |
| Memoranda: | ||
| Average total assets | $288,510,600 | 2,286 |
| Average earning assets | $259,754,800 | 2,331 |
| Average equity | $25,011,400 | 2,607 |
| Average total loans | $157,500,200 | 2,811 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2541% | 5,659 |
| Cost of funding earning assets | 1.9107% | 3,824 |
| Net interest margin | 3.3435% | 5,472 |
| Noninterest income to average assets | 0.6428% | 3,398 |
| Noninterest expense to average assets | 3.0662% | 3,784 |
| Loan and lease loss provision to assets | 0.1936% | 5,447 |
| Net operating income to assets | 0.3142% | 4,745 |
| Return on assets (ROA) | 0.3812% | 4,577 |
| Pretax return on assets | 0.4723% | 4,610 |
| Return on Equity (ROE) | 4.4188% | 4,202 |
| Retained earnings to average equity (ytd only) | 2.3031% | 4,037 |
| Net charge-offs to loans | 0.5502% | 3,032 |
| Credit loss provision to net charge-offs | 64.3625% | 6,097 |
| Earnings coverage of net charge-offs (x) | 1.9385% | 4,362 |
| Efficiency ratio | 84.0192% | 2,295 |
| Assets per employee ($millions) | 3.0409% | 6,056 |
| Cash dividends to net income (ytd only)* | 47.8786% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 5,649 |
| Loan loss allowance to noncurrent loans | 76.4655% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.8439% | 5,402 |
| Noncurrent loans to loans | 1.4552% | 4,495 |
| Net loans and leases to total assets | 54.1746% | 6,363 |
| Net loans and leases to deposits | 68.8605% | 6,044 |
| Net loans and leases to core deposits | 78.6998% | 6,437 |
| Total domestic deposits to total assets | 78.6730% | 5,905 |
| Equity capital to assets | 8.8045% | 5,785 |
| Core capital (leverage) ratio | 8.9818% | 4,679 |
| Tier 1 risk-based capital ratio | 15.7461% | 2,718 |
| Total risk-based capital ratio | 16.8281% | 2,713 |
| Memoranda: | ||
| Average total assets | $288,518,000 | 2,306 |
| Average earning assets | $259,445,750 | 2,343 |
| Average equity | $24,893,000 | 2,646 |
| Average total loans | $157,764,000 | 2,833 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3387% | 5,455 |
| Cost of funding earning assets | 2.0169% | 3,695 |
| Net interest margin | 3.3218% | 5,468 |
| Noninterest income to average assets | 0.6443% | 3,384 |
| Noninterest expense to average assets | 3.1006% | 3,698 |
| Loan and lease loss provision to assets | 0.1692% | 5,374 |
| Net operating income to assets | 0.2890% | 4,946 |
| Return on assets (ROA) | 0.3578% | 4,768 |
| Pretax return on assets | 0.4348% | 4,838 |
| Return on Equity (ROE) | 4.1761% | 4,424 |
| Retained earnings to average equity (ytd only) | 2.1932% | 4,119 |
| Net charge-offs to loans | 0.7361% | 2,208 |
| Credit loss provision to net charge-offs | 42.0690% | 5,873 |
| Earnings coverage of net charge-offs (x) | 1.2931% | 4,553 |
| Efficiency ratio | 85.6349% | 2,263 |
| Assets per employee ($millions) | 2.7948% | 6,637 |
| Cash dividends to net income (ytd only)* | 47.4806% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 5,871 |
| Loan loss allowance to noncurrent loans | 77.3937% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.7984% | 5,395 |
| Noncurrent loans to loans | 1.3639% | 4,488 |
| Net loans and leases to total assets | 54.4834% | 6,387 |
| Net loans and leases to deposits | 69.4915% | 6,044 |
| Net loans and leases to core deposits | 80.0838% | 6,401 |
| Total domestic deposits to total assets | 78.4030% | 5,974 |
| Equity capital to assets | 8.6354% | 5,842 |
| Core capital (leverage) ratio | 8.7404% | 5,020 |
| Tier 1 risk-based capital ratio | 15.6335% | 2,756 |
| Total risk-based capital ratio | 16.6517% | 2,785 |
| Memoranda: | ||
| Average total assets | $288,394,670 | 2,335 |
| Average earning assets | $258,417,000 | 2,367 |
| Average equity | $24,712,330 | 2,668 |
| Average total loans | $157,597,000 | 2,864 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4037% | 5,407 |
| Cost of funding earning assets | 2.0962% | 3,672 |
| Net interest margin | 3.3075% | 5,471 |
| Noninterest income to average assets | 0.5626% | 3,811 |
| Noninterest expense to average assets | 2.9539% | 3,963 |
| Loan and lease loss provision to assets | 0.2827% | 3,696 |
| Net operating income to assets | 0.2419% | 5,519 |
| Return on assets (ROA) | 0.2965% | 5,480 |
| Pretax return on assets | 0.3365% | 5,570 |
| Return on Equity (ROE) | 3.4733% | 5,181 |
| Retained earnings to average equity (ytd only) | 1.6155% | 4,940 |
| Net charge-offs to loans | 0.1976% | 3,454 |
| Credit loss provision to net charge-offs | 262.8205% | 1,797 |
| Earnings coverage of net charge-offs (x) | 5.1795% | 2,730 |
| Efficiency ratio | 84.1320% | 2,289 |
| Assets per employee ($millions) | 3.1255% | 5,825 |
| Cash dividends to net income (ytd only)* | 53.4884% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 3,888 |
| Loan loss allowance to noncurrent loans | 142.3774% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5068% | 5,950 |
| Noncurrent loans to loans | 0.9373% | 5,122 |
| Net loans and leases to total assets | 53.3506% | 6,546 |
| Net loans and leases to deposits | 68.9633% | 6,080 |
| Net loans and leases to core deposits | 79.0690% | 6,451 |
| Total domestic deposits to total assets | 77.3608% | 6,194 |
| Equity capital to assets | 8.4285% | 6,185 |
| Core capital (leverage) ratio | 8.6577% | 5,240 |
| Tier 1 risk-based capital ratio | 15.3167% | 2,935 |
| Total risk-based capital ratio | 16.5674% | 2,870 |
| Memoranda: | ||
| Average total assets | $290,056,000 | 2,333 |
| Average earning assets | $258,565,000 | 2,378 |
| Average equity | $24,760,000 | 2,678 |
| Average total loans | $157,908,500 | 2,880 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8599% | 6,235 |
| Cost of funding earning assets | 2.4809% | 4,310 |
| Net interest margin | 3.3790% | 5,748 |
| Noninterest income to average assets | 0.7208% | 2,983 |
| Noninterest expense to average assets | 3.0377% | 3,943 |
| Loan and lease loss provision to assets | 0.2291% | 4,603 |
| Net operating income to assets | 0.5430% | 4,562 |
| Return on assets (ROA) | 0.2338% | 5,571 |
| Pretax return on assets | 0.1691% | 5,800 |
| Return on Equity (ROE) | 2.6451% | 5,367 |
| Retained earnings to average equity (ytd only) | 0.4783% | 4,956 |
| Net charge-offs to loans | 0.0348% | 6,322 |
| Credit loss provision to net charge-offs | 1,174.0741% | 384 |
| Earnings coverage of net charge-offs (x) | 36.2593% | 1,015 |
| Efficiency ratio | 81.1113% | 2,427 |
| Assets per employee ($millions) | 2.8631% | 6,404 |
| Cash dividends to net income (ytd only)* | 81.9165% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 3,990 |
| Loan loss allowance to noncurrent loans | 116.8230% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 5,406 |
| Noncurrent loans to loans | 1.0869% | 4,388 |
| Net loans and leases to total assets | 54.1228% | 6,639 |
| Net loans and leases to deposits | 70.9927% | 6,169 |
| Net loans and leases to core deposits | 81.5154% | 6,493 |
| Total domestic deposits to total assets | 76.2371% | 6,182 |
| Equity capital to assets | 8.6469% | 5,871 |
| Core capital (leverage) ratio | 8.8555% | 4,965 |
| Tier 1 risk-based capital ratio | 15.4845% | 2,850 |
| Total risk-based capital ratio | 16.7099% | 2,797 |
| Memoranda: | ||
| Average total assets | $276,789,800 | 2,333 |
| Average earning assets | $247,735,200 | 2,387 |
| Average equity | $24,460,600 | 2,692 |
| Average total loans | $155,043,000 | 2,849 |