Home > Missouri Bank and Trust Company of Kansas City > Performance and Condition Ratios
Missouri Bank and Trust Company of Kansas City, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3002% | 5,908 |
| Cost of funding earning assets | 0.0119% | 5,881 |
| Net interest margin | 0.2882% | 5,908 |
| Noninterest income to average assets | 0.0393% | 5,797 |
| Noninterest expense to average assets | 0.2776% | 5,902 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0155% | 5,629 |
| Return on assets (ROA) | 0.0155% | 5,653 |
| Pretax return on assets | 0.0336% | 5,638 |
| Return on Equity (ROE) | 0.1685% | 5,650 |
| Retained earnings to average equity (ytd only) | 0.1685% | 5,251 |
| Net charge-offs to loans | -0.0002% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1879% | 604 |
| Assets per employee ($millions) | 10.5559% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0002% | 5,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 4,378 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 64.6857% | 3,260 |
| Net loans and leases to deposits | 77.7170% | 3,133 |
| Net loans and leases to core deposits | 80.0171% | 3,396 |
| Total domestic deposits to total assets | 83.2323% | 3,686 |
| Equity capital to assets | 16.6268% | 427 |
| Core capital (leverage) ratio | 8.0152% | 5,614 |
| Tier 1 risk-based capital ratio | 11.0864% | 5,294 |
| Total risk-based capital ratio | 11.0866% | 5,748 |
| Memoranda: | ||
| Average total assets | $656,801,400 | 1,083 |
| Average earning assets | $619,628,200 | 1,055 |
| Average equity | $60,523,000 | 1,282 |
| Average total loans | $469,272,000 | 1,029 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4932% | 4,826 |
| Cost of funding earning assets | 0.1367% | 5,573 |
| Net interest margin | 3.3565% | 4,012 |
| Noninterest income to average assets | 0.4976% | 3,265 |
| Noninterest expense to average assets | 2.2995% | 4,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4103% | 1,054 |
| Return on assets (ROA) | 1.6390% | 705 |
| Pretax return on assets | 1.6659% | 1,209 |
| Return on Equity (ROE) | 23.3370% | 114 |
| Retained earnings to average equity (ytd only) | 9.7495% | 632 |
| Net charge-offs to loans | 0.0003% | 3,950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 6,824.8947% | 4 |
| Efficiency ratio | 61.6148% | 4,294 |
| Assets per employee ($millions) | 8.4802% | 485 |
| Cash dividends to net income (ytd only)* | 58.2232% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7353% | 5,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2736% | 4,333 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 75.5029% | 1,611 |
| Net loans and leases to deposits | 81.5014% | 2,799 |
| Net loans and leases to core deposits | 84.1299% | 3,108 |
| Total domestic deposits to total assets | 92.6400% | 47 |
| Equity capital to assets | 7.1956% | 5,872 |
| Core capital (leverage) ratio | 7.5118% | 5,829 |
| Tier 1 risk-based capital ratio | 9.7383% | 5,845 |
| Total risk-based capital ratio | 10.4985% | 5,904 |
| Memoranda: | ||
| Average total assets | $633,633,750 | 1,118 |
| Average earning assets | $610,589,000 | 1,073 |
| Average equity | $44,500,500 | 1,681 |
| Average total loans | $465,389,500 | 1,040 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5004% | 4,860 |
| Cost of funding earning assets | 0.1406% | 5,607 |
| Net interest margin | 3.3597% | 4,022 |
| Noninterest income to average assets | 0.4895% | 3,268 |
| Noninterest expense to average assets | 2.3390% | 4,501 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3605% | 1,137 |
| Return on assets (ROA) | 1.5280% | 895 |
| Pretax return on assets | 1.5603% | 1,490 |
| Return on Equity (ROE) | 21.9379% | 157 |
| Retained earnings to average equity (ytd only) | 7.1916% | 1,512 |
| Net charge-offs to loans | -0.0004% | 4,301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7363% | 4,225 |
| Assets per employee ($millions) | 7.7164% | 641 |
| Cash dividends to net income (ytd only)* | 67.2182% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 5,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 4,338 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 76.4487% | 1,419 |
| Net loans and leases to deposits | 82.8229% | 2,615 |
| Net loans and leases to core deposits | 85.7080% | 2,931 |
| Total domestic deposits to total assets | 92.3037% | 66 |
| Equity capital to assets | 7.4736% | 5,916 |
| Core capital (leverage) ratio | 7.2854% | 5,917 |
| Tier 1 risk-based capital ratio | 9.5569% | 5,939 |
| Total risk-based capital ratio | 10.3317% | 5,990 |
| Memoranda: | ||
| Average total assets | $632,839,000 | 1,121 |
| Average earning assets | $610,050,000 | 1,070 |
| Average equity | $44,079,000 | 1,699 |
| Average total loans | $459,263,000 | 1,061 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4244% | 5,068 |
| Cost of funding earning assets | 0.1477% | 5,631 |
| Net interest margin | 3.2767% | 4,309 |
| Noninterest income to average assets | 0.4683% | 3,349 |
| Noninterest expense to average assets | 2.2378% | 4,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3718% | 1,094 |
| Return on assets (ROA) | 1.7022% | 612 |
| Pretax return on assets | 1.7263% | 1,002 |
| Return on Equity (ROE) | 25.2960% | 95 |
| Retained earnings to average equity (ytd only) | 15.6690% | 205 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6417% | 4,499 |
| Assets per employee ($millions) | 7.9197% | 582 |
| Cash dividends to net income (ytd only)* | 38.0573% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7879% | 5,400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 4,471 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 69.8428% | 2,369 |
| Net loans and leases to deposits | 75.1281% | 3,314 |
| Net loans and leases to core deposits | 77.5487% | 3,538 |
| Total domestic deposits to total assets | 92.9649% | 46 |
| Equity capital to assets | 6.9380% | 6,014 |
| Core capital (leverage) ratio | 6.7664% | 6,016 |
| Tier 1 risk-based capital ratio | 9.9044% | 5,927 |
| Total risk-based capital ratio | 10.7049% | 5,994 |
| Memoranda: | ||
| Average total assets | $648,320,000 | 1,090 |
| Average earning assets | $625,622,000 | 1,046 |
| Average equity | $43,627,500 | 1,710 |
| Average total loans | $457,051,500 | 1,060 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5203% | 4,862 |
| Cost of funding earning assets | 0.1619% | 5,593 |
| Net interest margin | 3.3585% | 4,083 |
| Noninterest income to average assets | 0.5121% | 3,247 |
| Noninterest expense to average assets | 2.5676% | 4,026 |
| Loan and lease loss provision to assets | 0.0383% | 3,570 |
| Net operating income to assets | 1.1098% | 1,881 |
| Return on assets (ROA) | 1.2033% | 1,606 |
| Pretax return on assets | 1.2265% | 2,564 |
| Return on Equity (ROE) | 17.1215% | 443 |
| Retained earnings to average equity (ytd only) | 6.7458% | 1,408 |
| Net charge-offs to loans | -0.0009% | 4,834 |
| Credit loss provision to net charge-offs | -5,625.0000% | 5,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7081% | 3,447 |
| Assets per employee ($millions) | 7.4448% | 721 |
| Cash dividends to net income (ytd only)* | 60.6005% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7693% | 5,486 |
| Loan loss allowance to noncurrent loans | 572.0257% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 4,144 |
| Noncurrent loans to loans | 0.1345% | 4,951 |
| Net loans and leases to total assets | 70.0531% | 2,356 |
| Net loans and leases to deposits | 75.0573% | 3,377 |
| Net loans and leases to core deposits | 77.3641% | 3,621 |
| Total domestic deposits to total assets | 93.3327% | 42 |
| Equity capital to assets | 6.5250% | 6,092 |
| Core capital (leverage) ratio | 6.6629% | 6,081 |
| Tier 1 risk-based capital ratio | 9.3425% | 6,067 |
| Total risk-based capital ratio | 10.1281% | 6,103 |
| Memoranda: | ||
| Average total assets | $586,812,400 | 1,165 |
| Average earning assets | $563,470,400 | 1,114 |
| Average equity | $41,240,600 | 1,751 |
| Average total loans | $426,069,400 | 1,073 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5856% | 4,779 |
| Cost of funding earning assets | 0.1667% | 5,655 |
| Net interest margin | 3.4188% | 3,874 |
| Noninterest income to average assets | 0.5191% | 3,231 |
| Noninterest expense to average assets | 2.6538% | 3,708 |
| Loan and lease loss provision to assets | 0.0527% | 3,143 |
| Net operating income to assets | 1.0702% | 2,129 |
| Return on assets (ROA) | 1.1987% | 1,720 |
| Pretax return on assets | 1.2209% | 2,729 |
| Return on Equity (ROE) | 16.7120% | 501 |
| Retained earnings to average equity (ytd only) | 3.6641% | 3,854 |
| Net charge-offs to loans | -0.0006% | 4,654 |
| Credit loss provision to net charge-offs | -11,250.0000% | 5,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9051% | 3,224 |
| Assets per employee ($millions) | 6.4228% | 1,103 |
| Cash dividends to net income (ytd only)* | 78.0750% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8028% | 5,512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 4,577 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 75.1785% | 1,512 |
| Net loans and leases to deposits | 81.1164% | 2,752 |
| Net loans and leases to core deposits | 84.0858% | 3,029 |
| Total domestic deposits to total assets | 92.6798% | 54 |
| Equity capital to assets | 7.0875% | 6,141 |
| Core capital (leverage) ratio | 7.0203% | 6,127 |
| Tier 1 risk-based capital ratio | 9.3793% | 6,160 |
| Total risk-based capital ratio | 10.1998% | 6,185 |
| Memoranda: | ||
| Average total assets | $569,730,000 | 1,206 |
| Average earning assets | $546,136,000 | 1,156 |
| Average equity | $40,863,750 | 1,781 |
| Average total loans | $416,960,500 | 1,097 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5354% | 4,895 |
| Cost of funding earning assets | 0.1715% | 5,682 |
| Net interest margin | 3.3639% | 4,043 |
| Noninterest income to average assets | 0.5124% | 3,288 |
| Noninterest expense to average assets | 2.6667% | 3,702 |
| Loan and lease loss provision to assets | 0.0637% | 2,845 |
| Net operating income to assets | 0.9895% | 2,440 |
| Return on assets (ROA) | 1.1809% | 1,731 |
| Pretax return on assets | 1.1972% | 2,785 |
| Return on Equity (ROE) | 16.3976% | 562 |
| Retained earnings to average equity (ytd only) | 3.4024% | 3,875 |
| Net charge-offs to loans | 0.0407% | 2,873 |
| Credit loss provision to net charge-offs | 216.8675% | 1,150 |
| Earnings coverage of net charge-offs (x) | 36.3253% | 1,204 |
| Efficiency ratio | 71.4110% | 3,092 |
| Assets per employee ($millions) | 6.4961% | 1,052 |
| Cash dividends to net income (ytd only)* | 79.2504% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8063% | 5,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 4,679 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 72.9028% | 1,836 |
| Net loans and leases to deposits | 78.5751% | 2,962 |
| Net loans and leases to core deposits | 81.5472% | 3,232 |
| Total domestic deposits to total assets | 92.7810% | 65 |
| Equity capital to assets | 7.0324% | 6,188 |
| Core capital (leverage) ratio | 7.2088% | 6,152 |
| Tier 1 risk-based capital ratio | 9.8546% | 6,132 |
| Total risk-based capital ratio | 10.6940% | 6,187 |
| Memoranda: | ||
| Average total assets | $564,814,000 | 1,221 |
| Average earning assets | $540,981,000 | 1,171 |
| Average equity | $40,676,670 | 1,798 |
| Average total loans | $408,294,670 | 1,123 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5248% | 4,896 |
| Cost of funding earning assets | 0.1753% | 5,723 |
| Net interest margin | 3.3495% | 4,023 |
| Noninterest income to average assets | 0.4816% | 3,411 |
| Noninterest expense to average assets | 2.6954% | 3,607 |
| Loan and lease loss provision to assets | 0.0645% | 2,641 |
| Net operating income to assets | 0.9148% | 2,678 |
| Return on assets (ROA) | 1.3022% | 1,353 |
| Pretax return on assets | 1.3179% | 2,210 |
| Return on Equity (ROE) | 17.8636% | 393 |
| Retained earnings to average equity (ytd only) | 12.4859% | 507 |
| Net charge-offs to loans | -0.1030% | 5,868 |
| Credit loss provision to net charge-offs | -87.3786% | 4,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1143% | 2,974 |
| Assets per employee ($millions) | 6.2185% | 1,247 |
| Cash dividends to net income (ytd only)* | 30.1046% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8815% | 5,496 |
| Loan loss allowance to noncurrent loans | 2,959.6639% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 4,647 |
| Noncurrent loans to loans | 0.0298% | 5,681 |
| Net loans and leases to total assets | 71.5590% | 1,884 |
| Net loans and leases to deposits | 77.5273% | 2,870 |
| Net loans and leases to core deposits | 80.5852% | 3,096 |
| Total domestic deposits to total assets | 92.3017% | 115 |
| Equity capital to assets | 7.4918% | 6,181 |
| Core capital (leverage) ratio | 7.3642% | 6,182 |
| Tier 1 risk-based capital ratio | 10.7080% | 5,931 |
| Total risk-based capital ratio | 11.6324% | 6,001 |
| Memoranda: | ||
| Average total assets | $558,145,500 | 1,239 |
| Average earning assets | $534,046,000 | 1,194 |
| Average equity | $40,686,000 | 1,806 |
| Average total loans | $399,985,000 | 1,149 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6910% | 4,799 |
| Cost of funding earning assets | 0.1943% | 5,791 |
| Net interest margin | 3.4967% | 3,812 |
| Noninterest income to average assets | 0.4680% | 3,727 |
| Noninterest expense to average assets | 2.6925% | 3,891 |
| Loan and lease loss provision to assets | 0.0620% | 3,279 |
| Net operating income to assets | 1.0312% | 2,259 |
| Return on assets (ROA) | 1.1214% | 1,956 |
| Pretax return on assets | 1.1373% | 2,940 |
| Return on Equity (ROE) | 16.0434% | 617 |
| Retained earnings to average equity (ytd only) | 7.8397% | 1,080 |
| Net charge-offs to loans | 0.3093% | 1,422 |
| Credit loss provision to net charge-offs | 27.8554% | 3,870 |
| Earnings coverage of net charge-offs (x) | 4.9753% | 3,526 |
| Efficiency ratio | 70.8418% | 3,405 |
| Assets per employee ($millions) | 6.4695% | 1,065 |
| Cash dividends to net income (ytd only)* | 51.1343% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8314% | 5,685 |
| Loan loss allowance to noncurrent loans | 2,774.1667% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 4,729 |
| Noncurrent loans to loans | 0.0300% | 5,768 |
| Net loans and leases to total assets | 70.5485% | 2,150 |
| Net loans and leases to deposits | 76.0643% | 3,191 |
| Net loans and leases to core deposits | 79.0022% | 3,408 |
| Total domestic deposits to total assets | 92.7485% | 81 |
| Equity capital to assets | 7.0906% | 6,313 |
| Core capital (leverage) ratio | 7.0193% | 6,308 |
| Tier 1 risk-based capital ratio | 10.3126% | 6,173 |
| Total risk-based capital ratio | 11.1811% | 6,233 |
| Memoranda: | ||
| Average total assets | $546,361,000 | 1,223 |
| Average earning assets | $520,754,200 | 1,173 |
| Average equity | $38,190,200 | 1,851 |
| Average total loans | $393,472,800 | 1,119 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7356% | 4,756 |
| Cost of funding earning assets | 0.1970% | 5,860 |
| Net interest margin | 3.5386% | 3,676 |
| Noninterest income to average assets | 0.4660% | 3,760 |
| Noninterest expense to average assets | 2.6622% | 3,977 |
| Loan and lease loss provision to assets | 0.0834% | 2,684 |
| Net operating income to assets | 1.0755% | 2,134 |
| Return on assets (ROA) | 1.1704% | 1,863 |
| Pretax return on assets | 1.1864% | 2,837 |
| Return on Equity (ROE) | 16.8073% | 578 |
| Retained earnings to average equity (ytd only) | 6.3804% | 2,174 |
| Net charge-offs to loans | 0.4183% | 948 |
| Credit loss provision to net charge-offs | 27.5834% | 3,489 |
| Earnings coverage of net charge-offs (x) | 3.8844% | 3,578 |
| Efficiency ratio | 69.3994% | 3,614 |
| Assets per employee ($millions) | 6.3542% | 1,112 |
| Cash dividends to net income (ytd only)* | 62.0377% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 5,730 |
| Loan loss allowance to noncurrent loans | 2,765.0000% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 5,358 |
| Noncurrent loans to loans | 0.0309% | 5,911 |
| Net loans and leases to total assets | 71.1857% | 1,995 |
| Net loans and leases to deposits | 77.1540% | 3,056 |
| Net loans and leases to core deposits | 80.4026% | 3,271 |
| Total domestic deposits to total assets | 92.2645% | 124 |
| Equity capital to assets | 7.1301% | 6,364 |
| Core capital (leverage) ratio | 7.1892% | 6,356 |
| Tier 1 risk-based capital ratio | 10.3916% | 6,240 |
| Total risk-based capital ratio | 11.2908% | 6,298 |
| Memoranda: | ||
| Average total assets | $542,239,500 | 1,239 |
| Average earning assets | $516,417,750 | 1,193 |
| Average equity | $37,760,500 | 1,871 |
| Average total loans | $391,738,750 | 1,126 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7437% | 4,718 |
| Cost of funding earning assets | 0.1999% | 5,914 |
| Net interest margin | 3.5438% | 3,600 |
| Noninterest income to average assets | 0.4464% | 3,898 |
| Noninterest expense to average assets | 2.8783% | 3,244 |
| Loan and lease loss provision to assets | 0.0770% | 2,735 |
| Net operating income to assets | 0.8471% | 3,087 |
| Return on assets (ROA) | 0.9879% | 2,451 |
| Pretax return on assets | 1.0041% | 3,459 |
| Return on Equity (ROE) | 14.2999% | 902 |
| Retained earnings to average equity (ytd only) | 2.5966% | 4,547 |
| Net charge-offs to loans | 0.6320% | 611 |
| Credit loss provision to net charge-offs | 16.8277% | 3,232 |
| Earnings coverage of net charge-offs (x) | 2.0491% | 3,657 |
| Efficiency ratio | 75.4320% | 2,742 |
| Assets per employee ($millions) | 6.3125% | 1,107 |
| Cash dividends to net income (ytd only)* | 81.8419% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7999% | 5,974 |
| Loan loss allowance to noncurrent loans | 1,644.5596% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 5,395 |
| Noncurrent loans to loans | 0.0486% | 5,905 |
| Net loans and leases to total assets | 75.1278% | 1,290 |
| Net loans and leases to deposits | 81.1808% | 2,360 |
| Net loans and leases to core deposits | 84.7471% | 2,649 |
| Total domestic deposits to total assets | 92.5438% | 116 |
| Equity capital to assets | 7.2266% | 6,409 |
| Core capital (leverage) ratio | 6.7948% | 6,459 |
| Tier 1 risk-based capital ratio | 9.5721% | 6,485 |
| Total risk-based capital ratio | 10.3928% | 6,517 |
| Memoranda: | ||
| Average total assets | $542,951,330 | 1,241 |
| Average earning assets | $516,223,000 | 1,188 |
| Average equity | $37,510,670 | 1,877 |
| Average total loans | $393,053,330 | 1,111 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6173% | 5,121 |
| Cost of funding earning assets | 0.2020% | 5,974 |
| Net interest margin | 3.4153% | 4,054 |
| Noninterest income to average assets | 0.4149% | 4,068 |
| Noninterest expense to average assets | 3.0062% | 2,841 |
| Loan and lease loss provision to assets | 0.0543% | 3,029 |
| Net operating income to assets | 0.6001% | 4,203 |
| Return on assets (ROA) | 0.8768% | 2,830 |
| Pretax return on assets | 0.8927% | 3,726 |
| Return on Equity (ROE) | 12.9746% | 1,169 |
| Retained earnings to average equity (ytd only) | 7.4033% | 1,859 |
| Net charge-offs to loans | 0.9939% | 338 |
| Credit loss provision to net charge-offs | 7.7160% | 2,627 |
| Earnings coverage of net charge-offs (x) | 0.9444% | 3,227 |
| Efficiency ratio | 81.8935% | 1,940 |
| Assets per employee ($millions) | 6.4565% | 1,037 |
| Cash dividends to net income (ytd only)* | 42.9397% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8382% | 6,025 |
| Loan loss allowance to noncurrent loans | 274.2336% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 4,899 |
| Noncurrent loans to loans | 0.3056% | 5,198 |
| Net loans and leases to total assets | 72.2056% | 1,546 |
| Net loans and leases to deposits | 77.7878% | 2,586 |
| Net loans and leases to core deposits | 81.3621% | 2,810 |
| Total domestic deposits to total assets | 92.8239% | 135 |
| Equity capital to assets | 6.9530% | 6,461 |
| Core capital (leverage) ratio | 6.7090% | 6,520 |
| Tier 1 risk-based capital ratio | 9.7451% | 6,519 |
| Total risk-based capital ratio | 10.6116% | 6,557 |
| Memoranda: | ||
| Average total assets | $552,458,000 | 1,218 |
| Average earning assets | $526,692,500 | 1,164 |
| Average equity | $37,334,500 | 1,879 |
| Average total loans | $391,181,500 | 1,133 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3127% | 5,987 |
| Cost of funding earning assets | 0.2334% | 6,072 |
| Net interest margin | 3.0793% | 5,377 |
| Noninterest income to average assets | 0.8562% | 1,841 |
| Noninterest expense to average assets | 2.5641% | 4,577 |
| Loan and lease loss provision to assets | 0.2735% | 1,287 |
| Net operating income to assets | 0.9499% | 2,566 |
| Return on assets (ROA) | 0.9504% | 2,634 |
| Pretax return on assets | 0.9705% | 3,472 |
| Return on Equity (ROE) | 15.6919% | 661 |
| Retained earnings to average equity (ytd only) | 2.2375% | 4,657 |
| Net charge-offs to loans | 0.2641% | 2,381 |
| Credit loss provision to net charge-offs | 164.7001% | 1,383 |
| Earnings coverage of net charge-offs (x) | 7.4887% | 2,836 |
| Efficiency ratio | 67.3427% | 4,319 |
| Assets per employee ($millions) | 6.6973% | 900 |
| Cash dividends to net income (ytd only)* | 85.7413% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 5,219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 5,760 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 68.1234% | 2,337 |
| Net loans and leases to deposits | 73.0078% | 3,398 |
| Net loans and leases to core deposits | 76.1837% | 3,590 |
| Total domestic deposits to total assets | 93.3097% | 109 |
| Equity capital to assets | 6.5698% | 6,562 |
| Core capital (leverage) ratio | 6.4162% | 6,604 |
| Tier 1 risk-based capital ratio | 9.7272% | 6,570 |
| Total risk-based capital ratio | 10.8473% | 6,570 |
| Memoranda: | ||
| Average total assets | $612,486,200 | 1,088 |
| Average earning assets | $587,040,800 | 1,043 |
| Average equity | $37,095,600 | 1,862 |
| Average total loans | $385,060,800 | 1,108 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2450% | 6,143 |
| Cost of funding earning assets | 0.2414% | 6,147 |
| Net interest margin | 3.0037% | 5,588 |
| Noninterest income to average assets | 0.9244% | 1,677 |
| Noninterest expense to average assets | 2.5390% | 4,587 |
| Loan and lease loss provision to assets | 0.0480% | 4,053 |
| Net operating income to assets | 1.2039% | 1,618 |
| Return on assets (ROA) | 1.2039% | 1,691 |
| Pretax return on assets | 1.2180% | 2,627 |
| Return on Equity (ROE) | 20.2637% | 284 |
| Retained earnings to average equity (ytd only) | 3.4545% | 4,231 |
| Net charge-offs to loans | 0.2507% | 2,311 |
| Credit loss provision to net charge-offs | 31.1203% | 3,872 |
| Earnings coverage of net charge-offs (x) | 8.2074% | 2,660 |
| Efficiency ratio | 66.7283% | 4,350 |
| Assets per employee ($millions) | 6.8492% | 800 |
| Cash dividends to net income (ytd only)* | 82.9524% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7849% | 6,312 |
| Loan loss allowance to noncurrent loans | 881.7919% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 5,740 |
| Noncurrent loans to loans | 0.0890% | 6,065 |
| Net loans and leases to total assets | 65.4739% | 2,722 |
| Net loans and leases to deposits | 70.0579% | 3,782 |
| Net loans and leases to core deposits | 73.0296% | 3,967 |
| Total domestic deposits to total assets | 93.4568% | 96 |
| Equity capital to assets | 6.3231% | 6,661 |
| Core capital (leverage) ratio | 6.1000% | 6,707 |
| Tier 1 risk-based capital ratio | 9.6891% | 6,659 |
| Total risk-based capital ratio | 10.4953% | 6,700 |
| Memoranda: | ||
| Average total assets | $624,964,750 | 1,072 |
| Average earning assets | $599,339,750 | 1,031 |
| Average equity | $37,129,500 | 1,879 |
| Average total loans | $384,463,500 | 1,115 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1671% | 6,272 |
| Cost of funding earning assets | 0.2542% | 6,143 |
| Net interest margin | 2.9129% | 5,775 |
| Noninterest income to average assets | 0.9024% | 1,804 |
| Noninterest expense to average assets | 2.4910% | 4,770 |
| Loan and lease loss provision to assets | 0.0471% | 4,032 |
| Net operating income to assets | 1.1499% | 1,745 |
| Return on assets (ROA) | 1.1499% | 1,861 |
| Pretax return on assets | 1.1637% | 2,827 |
| Return on Equity (ROE) | 19.7460% | 323 |
| Retained earnings to average equity (ytd only) | -0.6417% | 5,985 |
| Net charge-offs to loans | 0.3577% | 1,770 |
| Credit loss provision to net charge-offs | 21.8978% | 3,699 |
| Earnings coverage of net charge-offs (x) | 5.6292% | 2,852 |
| Efficiency ratio | 67.2915% | 4,315 |
| Assets per employee ($millions) | 6.9924% | 723 |
| Cash dividends to net income (ytd only)* | 103.2496% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7780% | 6,395 |
| Loan loss allowance to noncurrent loans | 782.8571% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 5,790 |
| Noncurrent loans to loans | 0.0994% | 6,100 |
| Net loans and leases to total assets | 62.4692% | 3,206 |
| Net loans and leases to deposits | 66.9709% | 4,153 |
| Net loans and leases to core deposits | 69.5769% | 4,313 |
| Total domestic deposits to total assets | 93.2782% | 104 |
| Equity capital to assets | 5.8356% | 6,752 |
| Core capital (leverage) ratio | 5.8091% | 6,768 |
| Tier 1 risk-based capital ratio | 9.5289% | 6,715 |
| Total risk-based capital ratio | 10.3359% | 6,754 |
| Memoranda: | ||
| Average total assets | $636,941,330 | 1,058 |
| Average earning assets | $612,097,330 | 1,007 |
| Average equity | $37,091,000 | 1,885 |
| Average total loans | $383,046,330 | 1,116 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0898% | 6,409 |
| Cost of funding earning assets | 0.2744% | 6,135 |
| Net interest margin | 2.8155% | 5,997 |
| Noninterest income to average assets | 0.8732% | 1,853 |
| Noninterest expense to average assets | 2.3719% | 5,194 |
| Loan and lease loss provision to assets | 0.0463% | 3,838 |
| Net operating income to assets | 1.1474% | 1,689 |
| Return on assets (ROA) | 1.1474% | 1,797 |
| Pretax return on assets | 1.1609% | 2,721 |
| Return on Equity (ROE) | 19.7227% | 313 |
| Retained earnings to average equity (ytd only) | 12.0268% | 700 |
| Net charge-offs to loans | -0.0515% | 6,153 |
| Credit loss provision to net charge-offs | -153.0612% | 5,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2698% | 4,619 |
| Assets per employee ($millions) | 7.0338% | 754 |
| Cash dividends to net income (ytd only)* | 39.0205% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 6,132 |
| Loan loss allowance to noncurrent loans | 13,603.7037% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 6,628 |
| Noncurrent loans to loans | 0.0070% | 6,488 |
| Net loans and leases to total assets | 61.1321% | 3,237 |
| Net loans and leases to deposits | 65.7071% | 4,096 |
| Net loans and leases to core deposits | 67.8538% | 4,318 |
| Total domestic deposits to total assets | 93.0373% | 123 |
| Equity capital to assets | 6.0924% | 6,821 |
| Core capital (leverage) ratio | 5.7727% | 6,823 |
| Tier 1 risk-based capital ratio | 9.7919% | 6,719 |
| Total risk-based capital ratio | 10.7681% | 6,749 |
| Memoranda: | ||
| Average total assets | $647,747,000 | 1,049 |
| Average earning assets | $622,554,500 | 1,004 |
| Average equity | $37,682,500 | 1,880 |
| Average total loans | $380,866,500 | 1,121 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6366% | 6,157 |
| Cost of funding earning assets | 0.4829% | 5,332 |
| Net interest margin | 3.1536% | 5,681 |
| Noninterest income to average assets | 0.8384% | 2,093 |
| Noninterest expense to average assets | 2.4062% | 5,389 |
| Loan and lease loss provision to assets | 0.0717% | 4,837 |
| Net operating income to assets | 1.3599% | 1,180 |
| Return on assets (ROA) | 1.3804% | 1,248 |
| Pretax return on assets | 1.3852% | 2,091 |
| Return on Equity (ROE) | 21.8664% | 226 |
| Retained earnings to average equity (ytd only) | 8.6909% | 915 |
| Net charge-offs to loans | 0.0563% | 5,145 |
| Credit loss provision to net charge-offs | 201.0050% | 1,291 |
| Earnings coverage of net charge-offs (x) | 40.2613% | 795 |
| Efficiency ratio | 62.6184% | 5,145 |
| Assets per employee ($millions) | 7.5223% | 621 |
| Cash dividends to net income (ytd only)* | 60.2546% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 6,142 |
| Loan loss allowance to noncurrent loans | 13,144.4444% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 6,699 |
| Noncurrent loans to loans | 0.0072% | 6,557 |
| Net loans and leases to total assets | 55.5380% | 4,373 |
| Net loans and leases to deposits | 59.8789% | 5,040 |
| Net loans and leases to core deposits | 61.5605% | 5,202 |
| Total domestic deposits to total assets | 92.7506% | 156 |
| Equity capital to assets | 5.5604% | 6,918 |
| Core capital (leverage) ratio | 6.1107% | 6,847 |
| Tier 1 risk-based capital ratio | 9.6606% | 6,779 |
| Total risk-based capital ratio | 10.6208% | 6,815 |
| Memoranda: | ||
| Average total assets | $557,756,800 | 1,198 |
| Average earning assets | $531,354,600 | 1,134 |
| Average equity | $35,209,200 | 1,959 |
| Average total loans | $353,451,800 | 1,184 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8505% | 5,903 |
| Cost of funding earning assets | 0.5305% | 5,239 |
| Net interest margin | 3.3200% | 5,311 |
| Noninterest income to average assets | 0.8337% | 2,102 |
| Noninterest expense to average assets | 2.5570% | 4,891 |
| Loan and lease loss provision to assets | 0.0818% | 4,606 |
| Net operating income to assets | 1.3461% | 1,338 |
| Return on assets (ROA) | 1.3768% | 1,409 |
| Pretax return on assets | 1.3816% | 2,296 |
| Return on Equity (ROE) | 21.0185% | 280 |
| Retained earnings to average equity (ytd only) | 7.1150% | 2,051 |
| Net charge-offs to loans | 0.0690% | 4,728 |
| Credit loss provision to net charge-offs | 180.5556% | 1,540 |
| Earnings coverage of net charge-offs (x) | 31.6283% | 1,057 |
| Efficiency ratio | 64.0911% | 4,792 |
| Assets per employee ($millions) | 6.0080% | 1,242 |
| Cash dividends to net income (ytd only)* | 66.1488% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 6,208 |
| Loan loss allowance to noncurrent loans | 3,676.8421% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 6,727 |
| Noncurrent loans to loans | 0.0262% | 6,567 |
| Net loans and leases to total assets | 67.0929% | 2,443 |
| Net loans and leases to deposits | 73.6116% | 3,359 |
| Net loans and leases to core deposits | 79.0750% | 3,314 |
| Total domestic deposits to total assets | 91.1445% | 375 |
| Equity capital to assets | 6.8239% | 6,908 |
| Core capital (leverage) ratio | 6.3749% | 6,907 |
| Tier 1 risk-based capital ratio | 9.6926% | 6,867 |
| Total risk-based capital ratio | 10.6740% | 6,900 |
| Memoranda: | ||
| Average total assets | $529,824,500 | 1,273 |
| Average earning assets | $503,646,250 | 1,217 |
| Average equity | $34,705,000 | 2,010 |
| Average total loans | $347,972,750 | 1,213 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8610% | 6,007 |
| Cost of funding earning assets | 0.5739% | 5,126 |
| Net interest margin | 3.2871% | 5,481 |
| Noninterest income to average assets | 0.8152% | 2,117 |
| Noninterest expense to average assets | 2.5775% | 4,852 |
| Loan and lease loss provision to assets | 0.0947% | 4,368 |
| Net operating income to assets | 1.2571% | 1,551 |
| Return on assets (ROA) | 1.3033% | 1,585 |
| Pretax return on assets | 1.3078% | 2,530 |
| Return on Equity (ROE) | 20.1814% | 346 |
| Retained earnings to average equity (ytd only) | 3.8111% | 4,080 |
| Net charge-offs to loans | 0.0938% | 4,217 |
| Credit loss provision to net charge-offs | 155.2795% | 1,785 |
| Earnings coverage of net charge-offs (x) | 22.2484% | 1,307 |
| Efficiency ratio | 65.5212% | 4,618 |
| Assets per employee ($millions) | 6.3201% | 1,060 |
| Cash dividends to net income (ytd only)* | 81.1156% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9849% | 6,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 6,496 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 61.4480% | 3,542 |
| Net loans and leases to deposits | 66.8195% | 4,393 |
| Net loans and leases to core deposits | 70.5928% | 4,458 |
| Total domestic deposits to total assets | 91.9611% | 231 |
| Equity capital to assets | 6.1517% | 7,018 |
| Core capital (leverage) ratio | 5.9789% | 6,990 |
| Tier 1 risk-based capital ratio | 9.7088% | 6,887 |
| Total risk-based capital ratio | 10.7112% | 6,924 |
| Memoranda: | ||
| Average total assets | $528,196,330 | 1,283 |
| Average earning assets | $501,111,330 | 1,228 |
| Average equity | $34,110,670 | 2,028 |
| Average total loans | $343,215,330 | 1,232 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9239% | 5,961 |
| Cost of funding earning assets | 0.6059% | 5,083 |
| Net interest margin | 3.3180% | 5,410 |
| Noninterest income to average assets | 0.8304% | 2,031 |
| Noninterest expense to average assets | 2.6542% | 4,603 |
| Loan and lease loss provision to assets | 0.1174% | 3,877 |
| Net operating income to assets | 1.1975% | 1,742 |
| Return on assets (ROA) | 1.2868% | 1,662 |
| Pretax return on assets | 1.2899% | 2,576 |
| Return on Equity (ROE) | 19.4186% | 415 |
| Retained earnings to average equity (ytd only) | 15.2490% | 431 |
| Net charge-offs to loans | 0.0647% | 3,848 |
| Credit loss provision to net charge-offs | 272.7273% | 1,067 |
| Earnings coverage of net charge-offs (x) | 30.6182% | 906 |
| Efficiency ratio | 66.8177% | 4,394 |
| Assets per employee ($millions) | 6.1796% | 1,168 |
| Cash dividends to net income (ytd only)* | 21.4720% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 6,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 6,586 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 61.2959% | 3,394 |
| Net loans and leases to deposits | 67.0565% | 4,222 |
| Net loans and leases to core deposits | 75.9130% | 3,629 |
| Total domestic deposits to total assets | 91.4093% | 400 |
| Equity capital to assets | 6.3128% | 7,039 |
| Core capital (leverage) ratio | 6.3859% | 6,986 |
| Tier 1 risk-based capital ratio | 10.1332% | 6,849 |
| Total risk-based capital ratio | 11.1613% | 6,902 |
| Memoranda: | ||
| Average total assets | $511,048,500 | 1,329 |
| Average earning assets | $483,910,500 | 1,287 |
| Average equity | $33,864,500 | 2,046 |
| Average total loans | $340,284,000 | 1,242 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2712% | 5,852 |
| Cost of funding earning assets | 0.7042% | 5,511 |
| Net interest margin | 3.5670% | 4,860 |
| Noninterest income to average assets | 0.8490% | 1,849 |
| Noninterest expense to average assets | 3.0131% | 3,546 |
| Loan and lease loss provision to assets | 0.1168% | 5,139 |
| Net operating income to assets | 1.0742% | 1,909 |
| Return on assets (ROA) | 1.0904% | 1,989 |
| Pretax return on assets | 1.0972% | 2,849 |
| Return on Equity (ROE) | 15.3357% | 695 |
| Retained earnings to average equity (ytd only) | 4.7155% | 2,846 |
| Net charge-offs to loans | 0.0922% | 5,418 |
| Credit loss provision to net charge-offs | 179.7203% | 1,451 |
| Earnings coverage of net charge-offs (x) | 18.4266% | 1,221 |
| Efficiency ratio | 71.5535% | 3,673 |
| Assets per employee ($millions) | 5.2946% | 1,835 |
| Cash dividends to net income (ytd only)* | 69.2516% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 6,240 |
| Loan loss allowance to noncurrent loans | 240.0000% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 6,224 |
| Noncurrent loans to loans | 0.4149% | 5,889 |
| Net loans and leases to total assets | 71.4420% | 1,738 |
| Net loans and leases to deposits | 79.0030% | 2,681 |
| Net loans and leases to core deposits | 85.0820% | 2,740 |
| Total domestic deposits to total assets | 90.4294% | 753 |
| Equity capital to assets | 7.0009% | 6,963 |
| Core capital (leverage) ratio | 7.0849% | 6,836 |
| Tier 1 risk-based capital ratio | 9.3735% | 6,984 |
| Total risk-based capital ratio | 10.3651% | 7,020 |
| Memoranda: | ||
| Average total assets | $439,947,000 | 1,482 |
| Average earning assets | $414,662,200 | 1,443 |
| Average equity | $31,280,000 | 2,118 |
| Average total loans | $310,146,400 | 1,368 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2485% | 6,084 |
| Cost of funding earning assets | 0.7088% | 5,703 |
| Net interest margin | 3.5397% | 5,024 |
| Noninterest income to average assets | 0.8108% | 2,002 |
| Noninterest expense to average assets | 2.9951% | 3,568 |
| Loan and lease loss provision to assets | 0.0735% | 5,533 |
| Net operating income to assets | 1.0729% | 2,067 |
| Return on assets (ROA) | 1.0729% | 2,211 |
| Pretax return on assets | 1.0800% | 3,096 |
| Return on Equity (ROE) | 15.0283% | 836 |
| Retained earnings to average equity (ytd only) | 2.8867% | 4,625 |
| Net charge-offs to loans | 0.0408% | 5,583 |
| Credit loss provision to net charge-offs | 256.9892% | 1,115 |
| Earnings coverage of net charge-offs (x) | 40.3216% | 766 |
| Efficiency ratio | 72.1954% | 3,515 |
| Assets per employee ($millions) | 5.0080% | 2,181 |
| Cash dividends to net income (ytd only)* | 80.7913% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 6,181 |
| Loan loss allowance to noncurrent loans | 422.9275% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 6,609 |
| Noncurrent loans to loans | 0.2405% | 6,390 |
| Net loans and leases to total assets | 72.9301% | 1,523 |
| Net loans and leases to deposits | 81.4938% | 2,450 |
| Net loans and leases to core deposits | 89.8138% | 2,275 |
| Total domestic deposits to total assets | 89.4916% | 1,148 |
| Equity capital to assets | 7.2874% | 6,989 |
| Core capital (leverage) ratio | 7.2191% | 6,894 |
| Tier 1 risk-based capital ratio | 9.5991% | 7,036 |
| Total risk-based capital ratio | 10.6155% | 7,068 |
| Memoranda: | ||
| Average total assets | $433,451,500 | 1,514 |
| Average earning assets | $408,728,250 | 1,474 |
| Average equity | $30,945,250 | 2,140 |
| Average total loans | $303,628,750 | 1,411 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1810% | 6,324 |
| Cost of funding earning assets | 0.6986% | 5,972 |
| Net interest margin | 3.4824% | 5,235 |
| Noninterest income to average assets | 0.7455% | 2,280 |
| Noninterest expense to average assets | 3.0538% | 3,417 |
| Loan and lease loss provision to assets | 0.0874% | 5,218 |
| Net operating income to assets | 0.8851% | 2,713 |
| Return on assets (ROA) | 0.8851% | 2,815 |
| Pretax return on assets | 0.8921% | 3,646 |
| Return on Equity (ROE) | 12.4851% | 1,343 |
| Retained earnings to average equity (ytd only) | -1.1344% | 6,075 |
| Net charge-offs to loans | -0.0154% | 6,767 |
| Credit loss provision to net charge-offs | -821.7391% | 6,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7163% | 3,069 |
| Assets per employee ($millions) | 4.8326% | 2,366 |
| Cash dividends to net income (ytd only)* | 109.0862% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 5,820 |
| Loan loss allowance to noncurrent loans | 301.5385% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 6,454 |
| Noncurrent loans to loans | 0.3754% | 6,153 |
| Net loans and leases to total assets | 70.8522% | 2,044 |
| Net loans and leases to deposits | 79.4928% | 2,888 |
| Net loans and leases to core deposits | 89.6407% | 2,420 |
| Total domestic deposits to total assets | 89.1304% | 1,455 |
| Equity capital to assets | 7.5349% | 6,932 |
| Core capital (leverage) ratio | 6.9449% | 7,018 |
| Tier 1 risk-based capital ratio | 9.8753% | 7,015 |
| Total risk-based capital ratio | 10.9722% | 7,050 |
| Memoranda: | ||
| Average total assets | $432,702,670 | 1,531 |
| Average earning assets | $408,511,000 | 1,488 |
| Average equity | $30,676,670 | 2,146 |
| Average total loans | $297,831,670 | 1,460 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1203% | 6,466 |
| Cost of funding earning assets | 0.6794% | 6,252 |
| Net interest margin | 3.4409% | 5,258 |
| Noninterest income to average assets | 0.6771% | 2,693 |
| Noninterest expense to average assets | 2.9418% | 3,882 |
| Loan and lease loss provision to assets | 0.1028% | 4,725 |
| Net operating income to assets | 0.8808% | 2,661 |
| Return on assets (ROA) | 0.8808% | 2,721 |
| Pretax return on assets | 0.8880% | 3,545 |
| Return on Equity (ROE) | 12.7965% | 1,246 |
| Retained earnings to average equity (ytd only) | 7.5574% | 1,918 |
| Net charge-offs to loans | -0.0240% | 6,630 |
| Credit loss provision to net charge-offs | -633.3333% | 6,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8051% | 3,365 |
| Assets per employee ($millions) | 5.6561% | 1,446 |
| Cash dividends to net income (ytd only)* | 40.9417% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 5,961 |
| Loan loss allowance to noncurrent loans | 1,817.3184% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 7,068 |
| Noncurrent loans to loans | 0.0618% | 6,895 |
| Net loans and leases to total assets | 63.3257% | 3,580 |
| Net loans and leases to deposits | 70.4234% | 4,283 |
| Net loans and leases to core deposits | 76.9050% | 4,173 |
| Total domestic deposits to total assets | 89.9213% | 1,195 |
| Equity capital to assets | 6.8210% | 7,138 |
| Core capital (leverage) ratio | 6.7933% | 7,080 |
| Tier 1 risk-based capital ratio | 10.6340% | 6,729 |
| Total risk-based capital ratio | 11.7591% | 6,786 |
| Memoranda: | ||
| Average total assets | $443,669,500 | 1,509 |
| Average earning assets | $419,773,500 | 1,462 |
| Average equity | $30,539,500 | 2,146 |
| Average total loans | $299,562,000 | 1,462 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0611% | 7,082 |
| Cost of funding earning assets | 0.8202% | 6,481 |
| Net interest margin | 3.2408% | 6,165 |
| Noninterest income to average assets | 0.6567% | 3,109 |
| Noninterest expense to average assets | 2.8500% | 4,406 |
| Loan and lease loss provision to assets | 0.1330% | 5,846 |
| Net operating income to assets | 0.7254% | 3,122 |
| Return on assets (ROA) | 0.7303% | 3,223 |
| Pretax return on assets | 0.7303% | 3,870 |
| Return on Equity (ROE) | 10.7055% | 1,684 |
| Retained earnings to average equity (ytd only) | 4.1832% | 2,912 |
| Net charge-offs to loans | 0.1595% | 5,390 |
| Credit loss provision to net charge-offs | 125.0000% | 3,271 |
| Earnings coverage of net charge-offs (x) | 8.0696% | 2,018 |
| Efficiency ratio | 76.8535% | 2,891 |
| Assets per employee ($millions) | 5.3685% | 1,697 |
| Cash dividends to net income (ytd only)* | 60.9246% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 6,349 |
| Loan loss allowance to noncurrent loans | 2,400.0000% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 7,170 |
| Noncurrent loans to loans | 0.0420% | 7,024 |
| Net loans and leases to total assets | 70.4172% | 2,429 |
| Net loans and leases to deposits | 78.5031% | 3,432 |
| Net loans and leases to core deposits | 93.9332% | 2,264 |
| Total domestic deposits to total assets | 89.6999% | 1,270 |
| Equity capital to assets | 6.9484% | 7,129 |
| Core capital (leverage) ratio | 6.7236% | 7,135 |
| Tier 1 risk-based capital ratio | 9.8716% | 7,030 |
| Total risk-based capital ratio | 10.8924% | 7,098 |
| Memoranda: | ||
| Average total assets | $432,449,600 | 1,545 |
| Average earning assets | $407,208,200 | 1,493 |
| Average equity | $29,498,800 | 2,212 |
| Average total loans | $288,443,800 | 1,552 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0379% | 7,264 |
| Cost of funding earning assets | 0.8301% | 6,653 |
| Net interest margin | 3.2078% | 6,318 |
| Noninterest income to average assets | 0.6054% | 3,407 |
| Noninterest expense to average assets | 2.8370% | 4,322 |
| Loan and lease loss provision to assets | 0.0695% | 6,369 |
| Net operating income to assets | 0.7040% | 3,397 |
| Return on assets (ROA) | 0.7104% | 3,520 |
| Pretax return on assets | 0.7203% | 4,172 |
| Return on Equity (ROE) | 10.4637% | 1,955 |
| Retained earnings to average equity (ytd only) | 3.3196% | 4,115 |
| Net charge-offs to loans | 0.0424% | 6,117 |
| Credit loss provision to net charge-offs | 250.0000% | 1,328 |
| Earnings coverage of net charge-offs (x) | 28.1882% | 918 |
| Efficiency ratio | 78.3643% | 2,576 |
| Assets per employee ($millions) | 5.4210% | 1,699 |
| Cash dividends to net income (ytd only)* | 68.2746% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 5,917 |
| Loan loss allowance to noncurrent loans | 1,815.0289% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 6,979 |
| Noncurrent loans to loans | 0.0609% | 7,087 |
| Net loans and leases to total assets | 65.5898% | 3,779 |
| Net loans and leases to deposits | 73.8128% | 4,550 |
| Net loans and leases to core deposits | 85.7837% | 3,689 |
| Total domestic deposits to total assets | 88.8596% | 1,473 |
| Equity capital to assets | 7.0606% | 7,324 |
| Core capital (leverage) ratio | 6.9297% | 7,200 |
| Tier 1 risk-based capital ratio | 10.5397% | 6,748 |
| Total risk-based capital ratio | 11.6552% | 6,830 |
| Memoranda: | ||
| Average total assets | $431,849,250 | 1,567 |
| Average earning assets | $405,877,250 | 1,524 |
| Average equity | $29,319,750 | 2,253 |
| Average total loans | $283,222,250 | 1,596 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0465% | 7,324 |
| Cost of funding earning assets | 0.8386% | 6,791 |
| Net interest margin | 3.2079% | 6,291 |
| Noninterest income to average assets | 0.5976% | 3,349 |
| Noninterest expense to average assets | 2.8288% | 4,361 |
| Loan and lease loss provision to assets | 0.1039% | 5,879 |
| Net operating income to assets | 0.6675% | 3,544 |
| Return on assets (ROA) | 0.6771% | 3,647 |
| Pretax return on assets | 0.6868% | 4,283 |
| Return on Equity (ROE) | 10.1056% | 2,071 |
| Retained earnings to average equity (ytd only) | 4.2601% | 3,366 |
| Net charge-offs to loans | 0.0636% | 5,503 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 18.7889% | 1,275 |
| Efficiency ratio | 78.3649% | 2,664 |
| Assets per employee ($millions) | 5.4356% | 1,682 |
| Cash dividends to net income (ytd only)* | 57.8445% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 5,820 |
| Loan loss allowance to noncurrent loans | 556.7376% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 7,058 |
| Noncurrent loans to loans | 0.2020% | 6,847 |
| Net loans and leases to total assets | 65.1021% | 4,021 |
| Net loans and leases to deposits | 73.1712% | 4,811 |
| Net loans and leases to core deposits | 94.1229% | 2,696 |
| Total domestic deposits to total assets | 88.9724% | 1,459 |
| Equity capital to assets | 7.0293% | 7,340 |
| Core capital (leverage) ratio | 7.0905% | 7,139 |
| Tier 1 risk-based capital ratio | 10.7295% | 6,500 |
| Total risk-based capital ratio | 11.8694% | 6,591 |
| Memoranda: | ||
| Average total assets | $433,045,000 | 1,576 |
| Average earning assets | $406,618,000 | 1,522 |
| Average equity | $29,013,670 | 2,262 |
| Average total loans | $282,951,000 | 1,617 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 7,457 |
| Cost of funding earning assets | 0.8535% | 6,931 |
| Net interest margin | 3.1428% | 6,481 |
| Noninterest income to average assets | 0.5741% | 3,467 |
| Noninterest expense to average assets | 2.7058% | 4,880 |
| Loan and lease loss provision to assets | 0.2057% | 4,442 |
| Net operating income to assets | 0.5978% | 3,907 |
| Return on assets (ROA) | 0.5978% | 4,054 |
| Pretax return on assets | 0.6079% | 4,567 |
| Return on Equity (ROE) | 9.1408% | 2,445 |
| Retained earnings to average equity (ytd only) | 8.3162% | 1,585 |
| Net charge-offs to loans | 0.0702% | 4,712 |
| Credit loss provision to net charge-offs | 450.0000% | 932 |
| Earnings coverage of net charge-offs (x) | 17.8000% | 1,262 |
| Efficiency ratio | 76.8831% | 3,077 |
| Assets per employee ($millions) | 5.2057% | 1,960 |
| Cash dividends to net income (ytd only)* | 9.0214% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 5,937 |
| Loan loss allowance to noncurrent loans | 1,892.8571% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 7,393 |
| Noncurrent loans to loans | 0.0589% | 7,256 |
| Net loans and leases to total assets | 66.8769% | 3,662 |
| Net loans and leases to deposits | 75.1975% | 4,546 |
| Net loans and leases to core deposits | 93.4631% | 2,909 |
| Total domestic deposits to total assets | 88.9350% | 1,548 |
| Equity capital to assets | 6.8571% | 7,425 |
| Core capital (leverage) ratio | 6.5250% | 7,457 |
| Tier 1 risk-based capital ratio | 10.3482% | 6,761 |
| Total risk-based capital ratio | 11.4624% | 6,872 |
| Memoranda: | ||
| Average total assets | $437,577,500 | 1,600 |
| Average earning assets | $410,078,000 | 1,547 |
| Average equity | $28,619,000 | 2,320 |
| Average total loans | $284,846,500 | 1,654 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4432% | 7,439 |
| Cost of funding earning assets | 0.9767% | 7,245 |
| Net interest margin | 3.4666% | 5,097 |
| Noninterest income to average assets | 0.6569% | 3,244 |
| Noninterest expense to average assets | 2.8142% | 4,911 |
| Loan and lease loss provision to assets | 0.5367% | 3,685 |
| Net operating income to assets | 0.5282% | 3,614 |
| Return on assets (ROA) | 0.7211% | 2,924 |
| Pretax return on assets | 0.7370% | 3,451 |
| Return on Equity (ROE) | 10.3271% | 1,600 |
| Retained earnings to average equity (ytd only) | 4.3443% | 2,198 |
| Net charge-offs to loans | 0.9003% | 2,589 |
| Credit loss provision to net charge-offs | 82.1732% | 6,241 |
| Earnings coverage of net charge-offs (x) | 1.6489% | 4,499 |
| Efficiency ratio | 72.3243% | 4,214 |
| Assets per employee ($millions) | 5.8895% | 1,329 |
| Cash dividends to net income (ytd only)* | 57.9335% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 6,104 |
| Loan loss allowance to noncurrent loans | 1,430.4762% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 7,389 |
| Noncurrent loans to loans | 0.0738% | 7,233 |
| Net loans and leases to total assets | 62.0769% | 4,976 |
| Net loans and leases to deposits | 68.5405% | 5,769 |
| Net loans and leases to core deposits | 78.8914% | 6,191 |
| Total domestic deposits to total assets | 90.5696% | 711 |
| Equity capital to assets | 6.2458% | 7,618 |
| Core capital (leverage) ratio | 6.3443% | 7,537 |
| Tier 1 risk-based capital ratio | 10.1432% | 6,748 |
| Total risk-based capital ratio | 11.1961% | 6,896 |
| Memoranda: | ||
| Average total assets | $395,950,200 | 1,736 |
| Average earning assets | $369,415,200 | 1,709 |
| Average equity | $27,645,600 | 2,407 |
| Average total loans | $287,223,000 | 1,667 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6795% | 7,313 |
| Cost of funding earning assets | 0.9977% | 7,389 |
| Net interest margin | 3.6818% | 4,153 |
| Noninterest income to average assets | 0.6828% | 3,137 |
| Noninterest expense to average assets | 2.9925% | 4,073 |
| Loan and lease loss provision to assets | 0.4543% | 3,644 |
| Net operating income to assets | 0.6473% | 3,420 |
| Return on assets (ROA) | 0.9141% | 2,437 |
| Pretax return on assets | 0.9305% | 3,127 |
| Return on Equity (ROE) | 12.6944% | 1,179 |
| Retained earnings to average equity (ytd only) | 5.0855% | 2,438 |
| Net charge-offs to loans | 0.8975% | 2,171 |
| Credit loss provision to net charge-offs | 67.0795% | 6,044 |
| Earnings coverage of net charge-offs (x) | 1.6429% | 4,561 |
| Efficiency ratio | 72.8975% | 4,073 |
| Assets per employee ($millions) | 5.2723% | 1,816 |
| Cash dividends to net income (ytd only)* | 59.9388% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 6,178 |
| Loan loss allowance to noncurrent loans | 906.0897% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 7,367 |
| Noncurrent loans to loans | 0.1123% | 7,196 |
| Net loans and leases to total assets | 66.8936% | 4,212 |
| Net loans and leases to deposits | 76.8234% | 4,922 |
| Net loans and leases to core deposits | 93.5233% | 5,071 |
| Total domestic deposits to total assets | 87.0745% | 2,145 |
| Equity capital to assets | 6.8780% | 7,649 |
| Core capital (leverage) ratio | 7.2893% | 7,197 |
| Tier 1 risk-based capital ratio | 10.3986% | 6,572 |
| Total risk-based capital ratio | 11.4198% | 6,748 |
| Memoranda: | ||
| Average total assets | $381,565,000 | 1,805 |
| Average earning assets | $354,669,250 | 1,774 |
| Average equity | $27,476,000 | 2,437 |
| Average total loans | $287,899,500 | 1,682 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 7,167 |
| Cost of funding earning assets | 1.0411% | 7,475 |
| Net interest margin | 3.7914% | 3,588 |
| Noninterest income to average assets | 0.7609% | 2,646 |
| Noninterest expense to average assets | 2.9881% | 4,130 |
| Loan and lease loss provision to assets | 0.2152% | 4,893 |
| Net operating income to assets | 1.0466% | 1,947 |
| Return on assets (ROA) | 1.0466% | 2,020 |
| Pretax return on assets | 1.0633% | 2,759 |
| Return on Equity (ROE) | 14.2981% | 948 |
| Retained earnings to average equity (ytd only) | 3.3228% | 3,478 |
| Net charge-offs to loans | 1.2101% | 1,517 |
| Credit loss provision to net charge-offs | 22.7015% | 6,102 |
| Earnings coverage of net charge-offs (x) | 1.3485% | 4,515 |
| Efficiency ratio | 70.0341% | 4,775 |
| Assets per employee ($millions) | 5.0519% | 2,028 |
| Cash dividends to net income (ytd only)* | 76.7609% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7378% | 7,339 |
| Loan loss allowance to noncurrent loans | 364.0138% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 7,191 |
| Noncurrent loans to loans | 0.2027% | 7,007 |
| Net loans and leases to total assets | 73.7242% | 2,777 |
| Net loans and leases to deposits | 84.1896% | 3,847 |
| Net loans and leases to core deposits | 103.5477% | 4,113 |
| Total domestic deposits to total assets | 87.5692% | 1,988 |
| Equity capital to assets | 7.2974% | 7,418 |
| Core capital (leverage) ratio | 7.0440% | 7,505 |
| Tier 1 risk-based capital ratio | 9.6411% | 7,283 |
| Total risk-based capital ratio | 10.3607% | 7,641 |
| Memoranda: | ||
| Average total assets | $371,673,000 | 1,872 |
| Average earning assets | $343,673,330 | 1,843 |
| Average equity | $27,206,330 | 2,458 |
| Average total loans | $291,225,670 | 1,699 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8510% | 7,287 |
| Cost of funding earning assets | 0.9974% | 7,676 |
| Net interest margin | 3.8536% | 3,234 |
| Noninterest income to average assets | 0.9017% | 1,844 |
| Noninterest expense to average assets | 2.9994% | 3,775 |
| Loan and lease loss provision to assets | 0.1641% | 4,831 |
| Net operating income to assets | 1.2858% | 1,418 |
| Return on assets (ROA) | 1.2858% | 1,517 |
| Pretax return on assets | 1.3022% | 2,274 |
| Return on Equity (ROE) | 17.5370% | 633 |
| Retained earnings to average equity (ytd only) | 7.4327% | 2,047 |
| Net charge-offs to loans | 0.0952% | 4,222 |
| Credit loss provision to net charge-offs | 214.2857% | 2,101 |
| Earnings coverage of net charge-offs (x) | 19.1429% | 1,430 |
| Efficiency ratio | 67.1649% | 5,109 |
| Assets per employee ($millions) | 4.7560% | 2,355 |
| Cash dividends to net income (ytd only)* | 57.6170% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 4,802 |
| Loan loss allowance to noncurrent loans | 74.8417% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.2938% | 4,092 |
| Noncurrent loans to loans | 1.6039% | 3,872 |
| Net loans and leases to total assets | 79.6977% | 1,443 |
| Net loans and leases to deposits | 90.9574% | 2,782 |
| Net loans and leases to core deposits | 98.0021% | 4,747 |
| Total domestic deposits to total assets | 87.6209% | 1,915 |
| Equity capital to assets | 7.5669% | 7,295 |
| Core capital (leverage) ratio | 7.5108% | 7,155 |
| Tier 1 risk-based capital ratio | 9.3917% | 7,515 |
| Total risk-based capital ratio | 10.5712% | 7,544 |
| Memoranda: | ||
| Average total assets | $365,538,000 | 1,906 |
| Average earning assets | $338,077,000 | 1,881 |
| Average equity | $26,800,500 | 2,506 |
| Average total loans | $294,257,000 | 1,692 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8805% | 6,131 |
| Cost of funding earning assets | 1.4900% | 7,624 |
| Net interest margin | 4.3906% | 1,715 |
| Noninterest income to average assets | 0.7492% | 2,789 |
| Noninterest expense to average assets | 3.1994% | 3,337 |
| Loan and lease loss provision to assets | 0.4055% | 3,254 |
| Net operating income to assets | 1.2270% | 1,694 |
| Return on assets (ROA) | 1.2270% | 1,636 |
| Pretax return on assets | 1.2413% | 2,509 |
| Return on Equity (ROE) | 16.4438% | 707 |
| Retained earnings to average equity (ytd only) | 5.0575% | 1,995 |
| Net charge-offs to loans | -0.0236% | 7,941 |
| Credit loss provision to net charge-offs | -2,198.4127% | 7,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0182% | 5,124 |
| Assets per employee ($millions) | 4.7385% | 2,270 |
| Cash dividends to net income (ytd only)* | 69.2436% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 4,684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 79.3829% | 1,805 |
| Net loans and leases to deposits | 90.1779% | 3,422 |
| Net loans and leases to core deposits | 103.2644% | 4,473 |
| Total domestic deposits to total assets | 88.0292% | 1,462 |
| Equity capital to assets | 7.0958% | 7,685 |
| Core capital (leverage) ratio | 7.5579% | 7,134 |
| Tier 1 risk-based capital ratio | 8.8611% | 7,869 |
| Total risk-based capital ratio | 10.0098% | 8,003 |
| Memoranda: | ||
| Average total assets | $341,566,200 | 1,947 |
| Average earning assets | $318,729,000 | 1,914 |
| Average equity | $25,486,800 | 2,602 |
| Average total loans | $267,245,000 | 1,787 |