Home > Monarch Bank > Performance and Condition Ratios
Monarch Bank, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 1,522 |
| Cost of funding earning assets | 0.3101% | 4,060 |
| Net interest margin | 4.1838% | 1,134 |
| Noninterest income to average assets | 6.8525% | 90 |
| Noninterest expense to average assets | 8.5520% | 94 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4009% | 1,030 |
| Return on assets (ROA) | 1.3861% | 1,123 |
| Pretax return on assets | 2.1826% | 391 |
| Return on Equity (ROE) | 12.8217% | 1,079 |
| Retained earnings to average equity (ytd only) | 9.3138% | 1,023 |
| Net charge-offs to loans | -0.0055% | 4,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5579% | 1,658 |
| Assets per employee ($millions) | 1.8707% | 6,013 |
| Cash dividends to net income (ytd only)* | 27.3589% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8565% | 5,199 |
| Loan loss allowance to noncurrent loans | 456.9302% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 4,931 |
| Noncurrent loans to loans | 0.1875% | 4,735 |
| Net loans and leases to total assets | 84.9932% | 296 |
| Net loans and leases to deposits | 96.8071% | 867 |
| Net loans and leases to core deposits | 124.0623% | 369 |
| Total domestic deposits to total assets | 87.7964% | 1,751 |
| Equity capital to assets | 10.7191% | 3,234 |
| Core capital (leverage) ratio | 11.2557% | 2,184 |
| Tier 1 risk-based capital ratio | 12.8697% | 4,346 |
| Total risk-based capital ratio | 13.7559% | 4,482 |
| Memoranda: | ||
| Average total assets | $1,186,666,500 | 617 |
| Average earning assets | $1,105,320,000 | 607 |
| Average equity | $128,282,500 | 624 |
| Average total loans | $1,018,899,500 | 497 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4855% | 1,642 |
| Cost of funding earning assets | 0.2798% | 4,485 |
| Net interest margin | 4.2057% | 1,160 |
| Noninterest income to average assets | 7.4632% | 85 |
| Noninterest expense to average assets | 9.5063% | 78 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1921% | 1,579 |
| Return on assets (ROA) | 1.1765% | 1,721 |
| Pretax return on assets | 1.8421% | 737 |
| Return on Equity (ROE) | 10.9734% | 1,626 |
| Retained earnings to average equity (ytd only) | 7.7344% | 1,002 |
| Net charge-offs to loans | 0.0065% | 4,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 341.2742% | 202 |
| Efficiency ratio | 83.6584% | 1,213 |
| Assets per employee ($millions) | 1.8314% | 6,076 |
| Cash dividends to net income (ytd only)* | 29.5166% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 5,119 |
| Loan loss allowance to noncurrent loans | 397.0956% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 4,825 |
| Noncurrent loans to loans | 0.2241% | 4,627 |
| Net loans and leases to total assets | 85.2377% | 293 |
| Net loans and leases to deposits | 98.9820% | 749 |
| Net loans and leases to core deposits | 120.9387% | 457 |
| Total domestic deposits to total assets | 86.1144% | 2,584 |
| Equity capital to assets | 10.9055% | 2,927 |
| Core capital (leverage) ratio | 11.4797% | 1,973 |
| Tier 1 risk-based capital ratio | 12.7041% | 4,504 |
| Total risk-based capital ratio | 13.5997% | 4,624 |
| Memoranda: | ||
| Average total assets | $1,139,454,600 | 616 |
| Average earning assets | $1,056,635,600 | 609 |
| Average equity | $122,168,000 | 625 |
| Average total loans | $959,330,800 | 500 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 1,639 |
| Cost of funding earning assets | 0.2812% | 4,544 |
| Net interest margin | 4.2036% | 1,156 |
| Noninterest income to average assets | 7.8279% | 86 |
| Noninterest expense to average assets | 9.7764% | 81 |
| Loan and lease loss provision to assets | 0.0588% | 3,009 |
| Net operating income to assets | 1.2085% | 1,622 |
| Return on assets (ROA) | 1.1939% | 1,736 |
| Pretax return on assets | 1.8733% | 763 |
| Return on Equity (ROE) | 11.1849% | 1,632 |
| Retained earnings to average equity (ytd only) | 7.9467% | 1,256 |
| Net charge-offs to loans | 0.1005% | 2,143 |
| Credit loss provision to net charge-offs | 69.8324% | 2,772 |
| Earnings coverage of net charge-offs (x) | 23.1244% | 1,750 |
| Efficiency ratio | 83.3948% | 1,228 |
| Assets per employee ($millions) | 1.7224% | 6,171 |
| Cash dividends to net income (ytd only)* | 28.9512% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 5,097 |
| Loan loss allowance to noncurrent loans | 474.1042% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 5,099 |
| Noncurrent loans to loans | 0.1951% | 4,865 |
| Net loans and leases to total assets | 83.4062% | 430 |
| Net loans and leases to deposits | 97.1124% | 898 |
| Net loans and leases to core deposits | 116.2720% | 579 |
| Total domestic deposits to total assets | 85.8862% | 2,594 |
| Equity capital to assets | 11.1434% | 2,857 |
| Core capital (leverage) ratio | 11.0715% | 2,411 |
| Tier 1 risk-based capital ratio | 13.0331% | 4,412 |
| Total risk-based capital ratio | 13.9495% | 4,524 |
| Memoranda: | ||
| Average total assets | $1,134,034,000 | 628 |
| Average earning assets | $1,050,826,000 | 616 |
| Average equity | $121,053,000 | 635 |
| Average total loans | $949,510,000 | 504 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 1,711 |
| Cost of funding earning assets | 0.2756% | 4,661 |
| Net interest margin | 4.1646% | 1,189 |
| Noninterest income to average assets | 8.0544% | 90 |
| Noninterest expense to average assets | 9.8886% | 80 |
| Loan and lease loss provision to assets | 0.0879% | 2,351 |
| Net operating income to assets | 1.2408% | 1,489 |
| Return on assets (ROA) | 1.2262% | 1,594 |
| Pretax return on assets | 1.9211% | 709 |
| Return on Equity (ROE) | 11.6555% | 1,487 |
| Retained earnings to average equity (ytd only) | 8.4456% | 1,100 |
| Net charge-offs to loans | 0.1625% | 1,500 |
| Credit loss provision to net charge-offs | 64.6831% | 2,545 |
| Earnings coverage of net charge-offs (x) | 14.8991% | 2,019 |
| Efficiency ratio | 83.0125% | 1,367 |
| Assets per employee ($millions) | 1.8145% | 6,235 |
| Cash dividends to net income (ytd only)* | 27.5398% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 5,375 |
| Loan loss allowance to noncurrent loans | 382.8773% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 5,092 |
| Noncurrent loans to loans | 0.2296% | 4,855 |
| Net loans and leases to total assets | 83.5838% | 405 |
| Net loans and leases to deposits | 99.8201% | 676 |
| Net loans and leases to core deposits | 117.2310% | 550 |
| Total domestic deposits to total assets | 83.7344% | 3,674 |
| Equity capital to assets | 10.4560% | 3,490 |
| Core capital (leverage) ratio | 10.8082% | 2,605 |
| Tier 1 risk-based capital ratio | 12.6183% | 4,732 |
| Total risk-based capital ratio | 13.5182% | 4,859 |
| Memoranda: | ||
| Average total assets | $1,138,286,000 | 625 |
| Average earning assets | $1,054,415,000 | 613 |
| Average equity | $119,754,670 | 649 |
| Average total loans | $951,364,000 | 495 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 1,849 |
| Cost of funding earning assets | 0.2656% | 4,846 |
| Net interest margin | 4.1113% | 1,249 |
| Noninterest income to average assets | 7.9223% | 89 |
| Noninterest expense to average assets | 9.6731% | 86 |
| Loan and lease loss provision to assets | 0.0891% | 2,205 |
| Net operating income to assets | 1.2618% | 1,377 |
| Return on assets (ROA) | 1.2503% | 1,493 |
| Pretax return on assets | 1.9607% | 629 |
| Return on Equity (ROE) | 11.8468% | 1,389 |
| Retained earnings to average equity (ytd only) | 8.7905% | 1,269 |
| Net charge-offs to loans | 0.2378% | 1,000 |
| Credit loss provision to net charge-offs | 45.0450% | 2,147 |
| Earnings coverage of net charge-offs (x) | 10.4198% | 1,939 |
| Efficiency ratio | 82.4342% | 1,572 |
| Assets per employee ($millions) | 1.8350% | 6,307 |
| Cash dividends to net income (ytd only)* | 25.7982% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 5,403 |
| Loan loss allowance to noncurrent loans | 192.0889% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3905% | 4,461 |
| Noncurrent loans to loans | 0.4752% | 4,157 |
| Net loans and leases to total assets | 79.6437% | 726 |
| Net loans and leases to deposits | 90.4881% | 1,340 |
| Net loans and leases to core deposits | 111.1447% | 697 |
| Total domestic deposits to total assets | 88.0157% | 1,808 |
| Equity capital to assets | 10.1391% | 3,963 |
| Core capital (leverage) ratio | 11.0933% | 2,321 |
| Tier 1 risk-based capital ratio | 12.4675% | 4,926 |
| Total risk-based capital ratio | 13.3759% | 5,068 |
| Memoranda: | ||
| Average total assets | $1,122,247,500 | 627 |
| Average earning assets | $1,040,536,000 | 618 |
| Average equity | $118,445,500 | 650 |
| Average total loans | $933,591,000 | 503 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5386% | 1,733 |
| Cost of funding earning assets | 0.3427% | 4,334 |
| Net interest margin | 4.1959% | 1,312 |
| Noninterest income to average assets | 6.5161% | 94 |
| Noninterest expense to average assets | 8.5950% | 95 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1517% | 1,772 |
| Return on assets (ROA) | 1.1296% | 1,921 |
| Pretax return on assets | 1.7601% | 868 |
| Return on Equity (ROE) | 10.3289% | 1,977 |
| Retained earnings to average equity (ytd only) | 7.0325% | 1,392 |
| Net charge-offs to loans | 0.0132% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 163.7946% | 330 |
| Efficiency ratio | 82.7286% | 1,563 |
| Assets per employee ($millions) | 1.6534% | 6,417 |
| Cash dividends to net income (ytd only)* | 31.9143% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 5,191 |
| Loan loss allowance to noncurrent loans | 310.7292% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 4,903 |
| Noncurrent loans to loans | 0.3129% | 4,722 |
| Net loans and leases to total assets | 85.4566% | 246 |
| Net loans and leases to deposits | 99.1165% | 676 |
| Net loans and leases to core deposits | 116.3763% | 517 |
| Total domestic deposits to total assets | 86.2183% | 2,713 |
| Equity capital to assets | 11.0130% | 2,884 |
| Core capital (leverage) ratio | 11.4509% | 2,011 |
| Tier 1 risk-based capital ratio | 12.8240% | 4,845 |
| Total risk-based capital ratio | 13.8060% | 4,924 |
| Memoranda: | ||
| Average total assets | $1,029,350,000 | 656 |
| Average earning assets | $947,236,400 | 653 |
| Average equity | $112,577,200 | 650 |
| Average total loans | $849,919,200 | 525 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4981% | 1,880 |
| Cost of funding earning assets | 0.3564% | 4,274 |
| Net interest margin | 4.1418% | 1,459 |
| Noninterest income to average assets | 6.4936% | 96 |
| Noninterest expense to average assets | 8.4761% | 98 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1871% | 1,723 |
| Return on assets (ROA) | 1.1631% | 1,880 |
| Pretax return on assets | 1.8002% | 895 |
| Return on Equity (ROE) | 10.6546% | 1,924 |
| Retained earnings to average equity (ytd only) | 7.2867% | 1,681 |
| Net charge-offs to loans | 0.0135% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 166.1387% | 378 |
| Efficiency ratio | 82.1585% | 1,597 |
| Assets per employee ($millions) | 1.5163% | 6,507 |
| Cash dividends to net income (ytd only)* | 31.6103% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 4,975 |
| Loan loss allowance to noncurrent loans | 370.4911% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 5,021 |
| Noncurrent loans to loans | 0.2843% | 5,060 |
| Net loans and leases to total assets | 82.7612% | 433 |
| Net loans and leases to deposits | 95.2930% | 935 |
| Net loans and leases to core deposits | 105.6685% | 973 |
| Total domestic deposits to total assets | 86.8493% | 2,396 |
| Equity capital to assets | 11.2944% | 2,662 |
| Core capital (leverage) ratio | 11.4774% | 2,085 |
| Tier 1 risk-based capital ratio | 13.1498% | 4,763 |
| Total risk-based capital ratio | 14.1801% | 4,821 |
| Memoranda: | ||
| Average total assets | $1,020,081,000 | 658 |
| Average earning assets | $937,550,000 | 655 |
| Average equity | $111,360,250 | 655 |
| Average total loans | $832,329,000 | 527 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 1,938 |
| Cost of funding earning assets | 0.3622% | 4,298 |
| Net interest margin | 4.1046% | 1,492 |
| Noninterest income to average assets | 6.2274% | 97 |
| Noninterest expense to average assets | 8.1767% | 107 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1963% | 1,603 |
| Return on assets (ROA) | 1.1695% | 1,754 |
| Pretax return on assets | 1.8043% | 836 |
| Return on Equity (ROE) | 10.8373% | 1,795 |
| Retained earnings to average equity (ytd only) | 7.4991% | 1,521 |
| Net charge-offs to loans | -0.0022% | 5,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5287% | 1,804 |
| Assets per employee ($millions) | 1.5532% | 6,570 |
| Cash dividends to net income (ytd only)* | 30.8027% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 5,079 |
| Loan loss allowance to noncurrent loans | 256.9405% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 4,951 |
| Noncurrent loans to loans | 0.4120% | 4,752 |
| Net loans and leases to total assets | 82.8138% | 391 |
| Net loans and leases to deposits | 95.1087% | 871 |
| Net loans and leases to core deposits | 105.8494% | 903 |
| Total domestic deposits to total assets | 87.0728% | 2,416 |
| Equity capital to assets | 11.0151% | 2,861 |
| Core capital (leverage) ratio | 11.3085% | 2,150 |
| Tier 1 risk-based capital ratio | 13.2393% | 4,762 |
| Total risk-based capital ratio | 14.3096% | 4,803 |
| Memoranda: | ||
| Average total assets | $1,020,464,330 | 656 |
| Average earning assets | $939,879,330 | 648 |
| Average equity | $110,119,670 | 661 |
| Average total loans | $825,686,330 | 527 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4370% | 2,002 |
| Cost of funding earning assets | 0.3610% | 4,429 |
| Net interest margin | 4.0760% | 1,531 |
| Noninterest income to average assets | 5.2248% | 113 |
| Noninterest expense to average assets | 7.3597% | 126 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0505% | 2,008 |
| Return on assets (ROA) | 1.0443% | 2,102 |
| Pretax return on assets | 1.6217% | 1,131 |
| Return on Equity (ROE) | 9.7790% | 2,122 |
| Retained earnings to average equity (ytd only) | 6.5990% | 2,232 |
| Net charge-offs to loans | -0.0750% | 5,991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6895% | 1,965 |
| Assets per employee ($millions) | 1.5868% | 6,636 |
| Cash dividends to net income (ytd only)* | 32.5188% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 4,920 |
| Loan loss allowance to noncurrent loans | 371.9419% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 5,356 |
| Noncurrent loans to loans | 0.3066% | 5,190 |
| Net loans and leases to total assets | 78.1588% | 759 |
| Net loans and leases to deposits | 89.3273% | 1,220 |
| Net loans and leases to core deposits | 103.4766% | 890 |
| Total domestic deposits to total assets | 87.4971% | 2,512 |
| Equity capital to assets | 10.7594% | 2,975 |
| Core capital (leverage) ratio | 11.2929% | 2,143 |
| Tier 1 risk-based capital ratio | 13.1860% | 4,904 |
| Total risk-based capital ratio | 14.2960% | 4,911 |
| Memoranda: | ||
| Average total assets | $1,018,902,000 | 659 |
| Average earning assets | $940,633,000 | 648 |
| Average equity | $108,805,000 | 668 |
| Average total loans | $810,158,000 | 536 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5235% | 2,119 |
| Cost of funding earning assets | 0.4325% | 4,294 |
| Net interest margin | 4.0910% | 1,668 |
| Noninterest income to average assets | 6.5720% | 101 |
| Noninterest expense to average assets | 8.5496% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1940% | 1,592 |
| Return on assets (ROA) | 1.0947% | 2,025 |
| Pretax return on assets | 1.6953% | 965 |
| Return on Equity (ROE) | 11.0980% | 1,734 |
| Retained earnings to average equity (ytd only) | 8.3025% | 954 |
| Net charge-offs to loans | 0.2050% | 2,831 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 10.3202% | 2,391 |
| Efficiency ratio | 82.4881% | 1,812 |
| Assets per employee ($millions) | 1.5300% | 6,716 |
| Cash dividends to net income (ytd only)* | 25.1890% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 5,069 |
| Loan loss allowance to noncurrent loans | 409.6293% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.2475% | 5,525 |
| Noncurrent loans to loans | 0.2723% | 5,360 |
| Net loans and leases to total assets | 79.0761% | 701 |
| Net loans and leases to deposits | 89.9511% | 1,242 |
| Net loans and leases to core deposits | 104.8186% | 867 |
| Total domestic deposits to total assets | 87.9101% | 2,227 |
| Equity capital to assets | 10.5974% | 3,050 |
| Core capital (leverage) ratio | 10.8362% | 2,539 |
| Tier 1 risk-based capital ratio | 12.8636% | 5,075 |
| Total risk-based capital ratio | 13.9501% | 5,120 |
| Memoranda: | ||
| Average total assets | $1,063,277,800 | 622 |
| Average earning assets | $980,422,400 | 611 |
| Average equity | $104,884,000 | 677 |
| Average total loans | $901,882,200 | 466 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5301% | 2,119 |
| Cost of funding earning assets | 0.4464% | 4,318 |
| Net interest margin | 4.0837% | 1,680 |
| Noninterest income to average assets | 6.8865% | 97 |
| Noninterest expense to average assets | 8.7239% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2811% | 1,393 |
| Return on assets (ROA) | 1.1609% | 1,841 |
| Pretax return on assets | 1.8066% | 889 |
| Return on Equity (ROE) | 11.9790% | 1,479 |
| Retained earnings to average equity (ytd only) | 9.3224% | 958 |
| Net charge-offs to loans | -0.0459% | 6,282 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7531% | 1,856 |
| Assets per employee ($millions) | 1.4804% | 6,797 |
| Cash dividends to net income (ytd only)* | 22.1771% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 4,015 |
| Loan loss allowance to noncurrent loans | 387.7072% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 5,543 |
| Noncurrent loans to loans | 0.3540% | 5,326 |
| Net loans and leases to total assets | 79.7880% | 569 |
| Net loans and leases to deposits | 91.0336% | 1,062 |
| Net loans and leases to core deposits | 104.1625% | 871 |
| Total domestic deposits to total assets | 87.6468% | 2,330 |
| Equity capital to assets | 10.4618% | 3,326 |
| Core capital (leverage) ratio | 10.5762% | 2,920 |
| Tier 1 risk-based capital ratio | 12.5751% | 5,412 |
| Total risk-based capital ratio | 13.8261% | 5,354 |
| Memoranda: | ||
| Average total assets | $1,075,124,250 | 618 |
| Average earning assets | $991,005,500 | 607 |
| Average equity | $104,190,500 | 687 |
| Average total loans | $924,255,500 | 459 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5173% | 2,130 |
| Cost of funding earning assets | 0.4598% | 4,313 |
| Net interest margin | 4.0575% | 1,669 |
| Noninterest income to average assets | 7.0873% | 99 |
| Noninterest expense to average assets | 8.7616% | 101 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3746% | 1,131 |
| Return on assets (ROA) | 1.2445% | 1,565 |
| Pretax return on assets | 1.9360% | 688 |
| Return on Equity (ROE) | 13.1641% | 1,207 |
| Retained earnings to average equity (ytd only) | 10.6135% | 719 |
| Net charge-offs to loans | -0.0854% | 6,458 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7685% | 2,050 |
| Assets per employee ($millions) | 1.4987% | 6,844 |
| Cash dividends to net income (ytd only)* | 19.3756% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 4,455 |
| Loan loss allowance to noncurrent loans | 391.8311% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 5,593 |
| Noncurrent loans to loans | 0.3344% | 5,458 |
| Net loans and leases to total assets | 83.5442% | 266 |
| Net loans and leases to deposits | 94.8799% | 745 |
| Net loans and leases to core deposits | 113.9063% | 436 |
| Total domestic deposits to total assets | 88.0526% | 2,208 |
| Equity capital to assets | 10.1290% | 3,750 |
| Core capital (leverage) ratio | 10.1871% | 3,252 |
| Tier 1 risk-based capital ratio | 12.4105% | 5,562 |
| Total risk-based capital ratio | 13.6617% | 5,505 |
| Memoranda: | ||
| Average total assets | $1,096,461,000 | 606 |
| Average earning assets | $1,010,780,670 | 592 |
| Average equity | $103,660,330 | 695 |
| Average total loans | $959,682,000 | 439 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 2,042 |
| Cost of funding earning assets | 0.4924% | 4,155 |
| Net interest margin | 4.0429% | 1,636 |
| Noninterest income to average assets | 6.0582% | 114 |
| Noninterest expense to average assets | 7.7081% | 128 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3731% | 1,097 |
| Return on assets (ROA) | 1.2726% | 1,447 |
| Pretax return on assets | 1.9757% | 618 |
| Return on Equity (ROE) | 13.9071% | 979 |
| Retained earnings to average equity (ytd only) | 11.6991% | 748 |
| Net charge-offs to loans | 0.0484% | 3,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 48.2623% | 690 |
| Efficiency ratio | 78.6183% | 2,514 |
| Assets per employee ($millions) | 1.6394% | 6,905 |
| Cash dividends to net income (ytd only)* | 15.8770% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 5,389 |
| Loan loss allowance to noncurrent loans | 315.3464% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 5,587 |
| Noncurrent loans to loans | 0.3659% | 5,486 |
| Net loans and leases to total assets | 87.6601% | 78 |
| Net loans and leases to deposits | 99.2083% | 384 |
| Net loans and leases to core deposits | 126.8038% | 201 |
| Total domestic deposits to total assets | 88.3597% | 2,096 |
| Equity capital to assets | 10.0070% | 4,143 |
| Core capital (leverage) ratio | 9.6888% | 3,811 |
| Tier 1 risk-based capital ratio | 12.6931% | 5,436 |
| Total risk-based capital ratio | 13.9448% | 5,387 |
| Memoranda: | ||
| Average total assets | $1,134,397,000 | 585 |
| Average earning assets | $1,045,479,500 | 576 |
| Average equity | $103,803,000 | 702 |
| Average total loans | $1,007,541,500 | 426 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8803% | 1,904 |
| Cost of funding earning assets | 0.5616% | 4,715 |
| Net interest margin | 4.3187% | 1,359 |
| Noninterest income to average assets | 8.6506% | 85 |
| Noninterest expense to average assets | 10.0531% | 80 |
| Loan and lease loss provision to assets | 0.4678% | 1,333 |
| Net operating income to assets | 1.3922% | 1,112 |
| Return on assets (ROA) | 1.2978% | 1,454 |
| Pretax return on assets | 2.0169% | 580 |
| Return on Equity (ROE) | 14.3451% | 925 |
| Retained earnings to average equity (ytd only) | 11.0574% | 434 |
| Net charge-offs to loans | 0.4134% | 2,594 |
| Credit loss provision to net charge-offs | 125.4479% | 2,257 |
| Earnings coverage of net charge-offs (x) | 6.9166% | 2,710 |
| Efficiency ratio | 79.4468% | 2,219 |
| Assets per employee ($millions) | 1.8238% | 6,940 |
| Cash dividends to net income (ytd only)* | 22.9185% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 5,926 |
| Loan loss allowance to noncurrent loans | 307.0645% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 5,805 |
| Noncurrent loans to loans | 0.3289% | 5,663 |
| Net loans and leases to total assets | 88.0353% | 80 |
| Net loans and leases to deposits | 118.5700% | 75 |
| Net loans and leases to core deposits | 146.2963% | 116 |
| Total domestic deposits to total assets | 74.2475% | 6,505 |
| Equity capital to assets | 8.4071% | 6,116 |
| Core capital (leverage) ratio | 8.8127% | 5,159 |
| Tier 1 risk-based capital ratio | 11.5328% | 6,076 |
| Total risk-based capital ratio | 12.7312% | 6,086 |
| Memoranda: | ||
| Average total assets | $1,032,813,200 | 644 |
| Average earning assets | $952,154,400 | 626 |
| Average equity | $93,439,400 | 754 |
| Average total loans | $931,616,200 | 445 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9403% | 1,862 |
| Cost of funding earning assets | 0.5727% | 4,885 |
| Net interest margin | 4.3676% | 1,297 |
| Noninterest income to average assets | 8.7092% | 83 |
| Noninterest expense to average assets | 10.1009% | 79 |
| Loan and lease loss provision to assets | 0.5826% | 974 |
| Net operating income to assets | 1.3710% | 1,286 |
| Return on assets (ROA) | 1.2796% | 1,641 |
| Pretax return on assets | 1.9668% | 754 |
| Return on Equity (ROE) | 13.8428% | 1,143 |
| Retained earnings to average equity (ytd only) | 10.3689% | 822 |
| Net charge-offs to loans | 0.5000% | 2,118 |
| Credit loss provision to net charge-offs | 128.6225% | 2,238 |
| Earnings coverage of net charge-offs (x) | 5.8306% | 2,917 |
| Efficiency ratio | 79.1324% | 2,220 |
| Assets per employee ($millions) | 1.7175% | 7,056 |
| Cash dividends to net income (ytd only)* | 25.0950% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 5,805 |
| Loan loss allowance to noncurrent loans | 271.0304% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 5,484 |
| Noncurrent loans to loans | 0.3981% | 5,659 |
| Net loans and leases to total assets | 89.9947% | 43 |
| Net loans and leases to deposits | 112.4613% | 128 |
| Net loans and leases to core deposits | 146.1216% | 122 |
| Total domestic deposits to total assets | 80.0228% | 5,648 |
| Equity capital to assets | 8.8962% | 5,925 |
| Core capital (leverage) ratio | 9.5709% | 4,159 |
| Tier 1 risk-based capital ratio | 11.9764% | 5,951 |
| Total risk-based capital ratio | 13.2284% | 5,935 |
| Memoranda: | ||
| Average total assets | $987,358,250 | 672 |
| Average earning assets | $911,605,250 | 657 |
| Average equity | $91,270,250 | 772 |
| Average total loans | $894,466,250 | 458 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0334% | 1,703 |
| Cost of funding earning assets | 0.6066% | 4,849 |
| Net interest margin | 4.4268% | 1,135 |
| Noninterest income to average assets | 8.0728% | 92 |
| Noninterest expense to average assets | 9.5637% | 87 |
| Loan and lease loss provision to assets | 0.7215% | 735 |
| Net operating income to assets | 1.2383% | 1,588 |
| Return on assets (ROA) | 1.1728% | 2,014 |
| Pretax return on assets | 1.8020% | 1,039 |
| Return on Equity (ROE) | 12.5033% | 1,504 |
| Retained earnings to average equity (ytd only) | 8.9783% | 1,286 |
| Net charge-offs to loans | 0.6123% | 1,788 |
| Credit loss provision to net charge-offs | 130.2938% | 2,111 |
| Earnings coverage of net charge-offs (x) | 4.6753% | 3,020 |
| Efficiency ratio | 78.5417% | 2,390 |
| Assets per employee ($millions) | 1.6445% | 7,128 |
| Cash dividends to net income (ytd only)* | 28.1931% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 5,437 |
| Loan loss allowance to noncurrent loans | 169.9794% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.8378% | 4,713 |
| Noncurrent loans to loans | 0.6950% | 5,114 |
| Net loans and leases to total assets | 90.3085% | 37 |
| Net loans and leases to deposits | 105.1211% | 254 |
| Net loans and leases to core deposits | 133.9643% | 183 |
| Total domestic deposits to total assets | 85.9090% | 3,398 |
| Equity capital to assets | 9.6032% | 4,910 |
| Core capital (leverage) ratio | 10.0782% | 3,305 |
| Tier 1 risk-based capital ratio | 12.2422% | 5,757 |
| Total risk-based capital ratio | 13.4950% | 5,739 |
| Memoranda: | ||
| Average total assets | $946,641,000 | 702 |
| Average earning assets | $872,452,670 | 689 |
| Average equity | $88,792,330 | 782 |
| Average total loans | $856,158,330 | 481 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1667% | 1,389 |
| Cost of funding earning assets | 0.6327% | 4,869 |
| Net interest margin | 4.5340% | 954 |
| Noninterest income to average assets | 7.5808% | 92 |
| Noninterest expense to average assets | 9.0910% | 95 |
| Loan and lease loss provision to assets | 0.8365% | 565 |
| Net operating income to assets | 1.2095% | 1,707 |
| Return on assets (ROA) | 1.1433% | 2,088 |
| Pretax return on assets | 1.7593% | 1,175 |
| Return on Equity (ROE) | 12.3468% | 1,568 |
| Retained earnings to average equity (ytd only) | 8.8239% | 1,654 |
| Net charge-offs to loans | 0.7038% | 1,418 |
| Credit loss provision to net charge-offs | 132.1697% | 1,848 |
| Earnings coverage of net charge-offs (x) | 4.2060% | 2,636 |
| Efficiency ratio | 77.1839% | 2,621 |
| Assets per employee ($millions) | 1.6024% | 7,199 |
| Cash dividends to net income (ytd only)* | 28.5335% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 5,338 |
| Loan loss allowance to noncurrent loans | 115.9679% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 1.1948% | 4,131 |
| Noncurrent loans to loans | 1.0657% | 4,573 |
| Net loans and leases to total assets | 88.6659% | 62 |
| Net loans and leases to deposits | 102.3238% | 296 |
| Net loans and leases to core deposits | 125.6174% | 237 |
| Total domestic deposits to total assets | 86.6523% | 3,146 |
| Equity capital to assets | 9.4361% | 4,889 |
| Core capital (leverage) ratio | 9.5666% | 3,962 |
| Tier 1 risk-based capital ratio | 12.0245% | 5,946 |
| Total risk-based capital ratio | 13.2780% | 5,933 |
| Memoranda: | ||
| Average total assets | $923,327,000 | 720 |
| Average earning assets | $849,672,500 | 705 |
| Average equity | $85,495,500 | 804 |
| Average total loans | $830,372,500 | 493 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2291% | 1,947 |
| Cost of funding earning assets | 0.8155% | 4,741 |
| Net interest margin | 4.4135% | 1,365 |
| Noninterest income to average assets | 6.4393% | 99 |
| Noninterest expense to average assets | 8.3748% | 97 |
| Loan and lease loss provision to assets | 0.7505% | 1,345 |
| Net operating income to assets | 0.9593% | 2,363 |
| Return on assets (ROA) | 0.9046% | 2,710 |
| Pretax return on assets | 1.3106% | 2,088 |
| Return on Equity (ROE) | 9.5081% | 2,244 |
| Retained earnings to average equity (ytd only) | 5.7563% | 2,149 |
| Net charge-offs to loans | 0.7387% | 2,302 |
| Credit loss provision to net charge-offs | 116.4119% | 2,782 |
| Earnings coverage of net charge-offs (x) | 3.2818% | 3,573 |
| Efficiency ratio | 79.6292% | 2,356 |
| Assets per employee ($millions) | 1.6502% | 7,242 |
| Cash dividends to net income (ytd only)* | 39.4592% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 5,332 |
| Loan loss allowance to noncurrent loans | 231.3607% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.8426% | 4,938 |
| Noncurrent loans to loans | 0.5239% | 5,664 |
| Net loans and leases to total assets | 89.0027% | 60 |
| Net loans and leases to deposits | 108.6556% | 198 |
| Net loans and leases to core deposits | 130.1197% | 235 |
| Total domestic deposits to total assets | 81.9126% | 5,160 |
| Equity capital to assets | 9.0774% | 5,448 |
| Core capital (leverage) ratio | 9.4754% | 4,066 |
| Tier 1 risk-based capital ratio | 11.2436% | 6,320 |
| Total risk-based capital ratio | 12.4963% | 6,292 |
| Memoranda: | ||
| Average total assets | $842,105,600 | 776 |
| Average earning assets | $772,987,000 | 766 |
| Average equity | $80,121,200 | 837 |
| Average total loans | $734,980,800 | 558 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1859% | 2,261 |
| Cost of funding earning assets | 0.8702% | 4,637 |
| Net interest margin | 4.3157% | 1,658 |
| Noninterest income to average assets | 6.0943% | 107 |
| Noninterest expense to average assets | 8.0550% | 105 |
| Loan and lease loss provision to assets | 0.6204% | 1,584 |
| Net operating income to assets | 0.9502% | 2,531 |
| Return on assets (ROA) | 0.8953% | 2,903 |
| Pretax return on assets | 1.3234% | 2,207 |
| Return on Equity (ROE) | 9.2925% | 2,465 |
| Retained earnings to average equity (ytd only) | 5.9105% | 2,609 |
| Net charge-offs to loans | 0.4815% | 2,808 |
| Credit loss provision to net charge-offs | 148.9527% | 2,113 |
| Earnings coverage of net charge-offs (x) | 4.7991% | 2,962 |
| Efficiency ratio | 79.9046% | 2,265 |
| Assets per employee ($millions) | 1.5383% | 7,335 |
| Cash dividends to net income (ytd only)* | 36.3948% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 4,713 |
| Loan loss allowance to noncurrent loans | 168.5373% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.9784% | 4,790 |
| Noncurrent loans to loans | 0.8096% | 5,248 |
| Net loans and leases to total assets | 88.6540% | 64 |
| Net loans and leases to deposits | 103.1523% | 346 |
| Net loans and leases to core deposits | 121.3428% | 355 |
| Total domestic deposits to total assets | 85.9448% | 3,249 |
| Equity capital to assets | 9.7134% | 4,757 |
| Core capital (leverage) ratio | 9.9843% | 3,468 |
| Tier 1 risk-based capital ratio | 11.6842% | 6,117 |
| Total risk-based capital ratio | 12.9385% | 6,112 |
| Memoranda: | ||
| Average total assets | $825,317,500 | 798 |
| Average earning assets | $757,190,500 | 789 |
| Average equity | $79,517,250 | 850 |
| Average total loans | $713,927,500 | 585 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1169% | 2,600 |
| Cost of funding earning assets | 0.8967% | 4,697 |
| Net interest margin | 4.2202% | 1,956 |
| Noninterest income to average assets | 5.2884% | 128 |
| Noninterest expense to average assets | 7.3775% | 126 |
| Loan and lease loss provision to assets | 0.5122% | 1,917 |
| Net operating income to assets | 0.8610% | 2,814 |
| Return on assets (ROA) | 0.7996% | 3,202 |
| Pretax return on assets | 1.2093% | 2,446 |
| Return on Equity (ROE) | 8.3220% | 2,800 |
| Retained earnings to average equity (ytd only) | 4.5086% | 3,324 |
| Net charge-offs to loans | 0.4741% | 2,675 |
| Credit loss provision to net charge-offs | 126.5663% | 2,418 |
| Earnings coverage of net charge-offs (x) | 4.4060% | 2,866 |
| Efficiency ratio | 80.2996% | 2,340 |
| Assets per employee ($millions) | 1.5135% | 7,410 |
| Cash dividends to net income (ytd only)* | 45.8232% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 4,855 |
| Loan loss allowance to noncurrent loans | 118.4260% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 1.1569% | 4,574 |
| Noncurrent loans to loans | 1.1362% | 4,762 |
| Net loans and leases to total assets | 83.5014% | 273 |
| Net loans and leases to deposits | 94.6451% | 826 |
| Net loans and leases to core deposits | 109.8698% | 725 |
| Total domestic deposits to total assets | 88.2258% | 2,000 |
| Equity capital to assets | 9.5812% | 4,686 |
| Core capital (leverage) ratio | 10.3271% | 2,904 |
| Tier 1 risk-based capital ratio | 11.4561% | 6,199 |
| Total risk-based capital ratio | 12.7076% | 6,192 |
| Memoranda: | ||
| Average total assets | $820,444,670 | 814 |
| Average earning assets | $752,757,670 | 806 |
| Average equity | $78,827,670 | 859 |
| Average total loans | $700,257,330 | 605 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1054% | 2,622 |
| Cost of funding earning assets | 0.9527% | 4,544 |
| Net interest margin | 4.1527% | 2,069 |
| Noninterest income to average assets | 4.7615% | 140 |
| Noninterest expense to average assets | 6.9377% | 152 |
| Loan and lease loss provision to assets | 0.4916% | 1,782 |
| Net operating income to assets | 0.8015% | 3,028 |
| Return on assets (ROA) | 0.7342% | 3,419 |
| Pretax return on assets | 1.0775% | 2,840 |
| Return on Equity (ROE) | 7.6312% | 3,083 |
| Retained earnings to average equity (ytd only) | 5.0177% | 3,182 |
| Net charge-offs to loans | 0.3077% | 2,812 |
| Credit loss provision to net charge-offs | 186.4060% | 1,579 |
| Earnings coverage of net charge-offs (x) | 6.2048% | 2,137 |
| Efficiency ratio | 80.6564% | 2,414 |
| Assets per employee ($millions) | 1.5118% | 7,470 |
| Cash dividends to net income (ytd only)* | 34.2475% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 4,500 |
| Loan loss allowance to noncurrent loans | 119.2197% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 1.2640% | 4,421 |
| Noncurrent loans to loans | 1.2044% | 4,673 |
| Net loans and leases to total assets | 81.2554% | 422 |
| Net loans and leases to deposits | 96.7654% | 637 |
| Net loans and leases to core deposits | 108.7254% | 800 |
| Total domestic deposits to total assets | 83.9715% | 4,501 |
| Equity capital to assets | 9.8277% | 3,995 |
| Core capital (leverage) ratio | 9.9038% | 3,262 |
| Tier 1 risk-based capital ratio | 11.7184% | 5,925 |
| Total risk-based capital ratio | 12.9707% | 5,926 |
| Memoranda: | ||
| Average total assets | $814,452,000 | 828 |
| Average earning assets | $747,762,000 | 817 |
| Average equity | $78,363,000 | 856 |
| Average total loans | $698,100,500 | 615 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4636% | 2,421 |
| Cost of funding earning assets | 1.1554% | 4,818 |
| Net interest margin | 4.3082% | 1,791 |
| Noninterest income to average assets | 6.8783% | 95 |
| Noninterest expense to average assets | 8.4312% | 104 |
| Loan and lease loss provision to assets | 1.1106% | 1,434 |
| Net operating income to assets | 0.8620% | 2,545 |
| Return on assets (ROA) | 0.8282% | 2,820 |
| Pretax return on assets | 1.2839% | 1,974 |
| Return on Equity (ROE) | 9.1318% | 2,245 |
| Retained earnings to average equity (ytd only) | 5.0549% | 2,378 |
| Net charge-offs to loans | 1.2736% | 1,767 |
| Credit loss provision to net charge-offs | 97.0674% | 4,782 |
| Earnings coverage of net charge-offs (x) | 2.1224% | 4,131 |
| Efficiency ratio | 77.4268% | 2,805 |
| Assets per employee ($millions) | 1.5528% | 7,540 |
| Cash dividends to net income (ytd only)* | 44.6445% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 5,366 |
| Loan loss allowance to noncurrent loans | 99.8453% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.3070% | 4,413 |
| Noncurrent loans to loans | 1.2326% | 4,662 |
| Net loans and leases to total assets | 87.8026% | 105 |
| Net loans and leases to deposits | 102.1426% | 480 |
| Net loans and leases to core deposits | 121.8707% | 477 |
| Total domestic deposits to total assets | 85.9609% | 3,376 |
| Equity capital to assets | 9.4212% | 4,519 |
| Core capital (leverage) ratio | 8.8895% | 4,717 |
| Tier 1 risk-based capital ratio | 11.1642% | 6,207 |
| Total risk-based capital ratio | 12.4151% | 6,180 |
| Memoranda: | ||
| Average total assets | $777,863,200 | 873 |
| Average earning assets | $718,808,400 | 852 |
| Average equity | $70,545,000 | 955 |
| Average total loans | $698,827,000 | 626 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3613% | 3,066 |
| Cost of funding earning assets | 1.1684% | 5,038 |
| Net interest margin | 4.1929% | 2,240 |
| Noninterest income to average assets | 6.4450% | 107 |
| Noninterest expense to average assets | 8.0275% | 112 |
| Loan and lease loss provision to assets | 1.0157% | 1,456 |
| Net operating income to assets | 0.8179% | 2,926 |
| Return on assets (ROA) | 0.7929% | 3,194 |
| Pretax return on assets | 1.2560% | 2,317 |
| Return on Equity (ROE) | 8.8352% | 2,548 |
| Retained earnings to average equity (ytd only) | 5.0500% | 2,952 |
| Net charge-offs to loans | 0.9446% | 2,105 |
| Credit loss provision to net charge-offs | 119.3535% | 3,459 |
| Earnings coverage of net charge-offs (x) | 2.6989% | 3,795 |
| Efficiency ratio | 77.5274% | 2,691 |
| Assets per employee ($millions) | 1.7775% | 7,600 |
| Cash dividends to net income (ytd only)* | 42.8415% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 5,049 |
| Loan loss allowance to noncurrent loans | 116.6306% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 1.2582% | 4,632 |
| Noncurrent loans to loans | 1.0992% | 5,044 |
| Net loans and leases to total assets | 89.8507% | 62 |
| Net loans and leases to deposits | 116.1231% | 155 |
| Net loans and leases to core deposits | 145.7726% | 214 |
| Total domestic deposits to total assets | 77.3754% | 6,398 |
| Equity capital to assets | 8.7483% | 5,943 |
| Core capital (leverage) ratio | 9.3386% | 4,151 |
| Tier 1 risk-based capital ratio | 10.7037% | 6,630 |
| Total risk-based capital ratio | 11.9563% | 6,612 |
| Memoranda: | ||
| Average total assets | $765,800,750 | 881 |
| Average earning assets | $708,511,000 | 870 |
| Average equity | $68,723,750 | 968 |
| Average total loans | $689,937,000 | 634 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3587% | 3,165 |
| Cost of funding earning assets | 1.2432% | 4,877 |
| Net interest margin | 4.1155% | 2,481 |
| Noninterest income to average assets | 5.5062% | 123 |
| Noninterest expense to average assets | 7.3607% | 138 |
| Loan and lease loss provision to assets | 0.7779% | 1,852 |
| Net operating income to assets | 0.8150% | 2,900 |
| Return on assets (ROA) | 0.8015% | 3,106 |
| Pretax return on assets | 1.1637% | 2,541 |
| Return on Equity (ROE) | 8.8419% | 2,529 |
| Retained earnings to average equity (ytd only) | 5.7341% | 2,474 |
| Net charge-offs to loans | 1.0889% | 1,732 |
| Credit loss provision to net charge-offs | 79.6234% | 4,719 |
| Earnings coverage of net charge-offs (x) | 2.0011% | 4,020 |
| Efficiency ratio | 78.7514% | 2,614 |
| Assets per employee ($millions) | 1.7931% | 7,654 |
| Cash dividends to net income (ytd only)* | 35.1490% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 5,363 |
| Loan loss allowance to noncurrent loans | 124.2754% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 1.0518% | 5,036 |
| Noncurrent loans to loans | 0.9796% | 5,348 |
| Net loans and leases to total assets | 87.9917% | 131 |
| Net loans and leases to deposits | 106.8087% | 358 |
| Net loans and leases to core deposits | 116.9863% | 808 |
| Total domestic deposits to total assets | 82.3825% | 4,831 |
| Equity capital to assets | 9.0853% | 5,317 |
| Core capital (leverage) ratio | 9.3502% | 4,042 |
| Tier 1 risk-based capital ratio | 10.9075% | 6,335 |
| Total risk-based capital ratio | 12.1584% | 6,322 |
| Memoranda: | ||
| Average total assets | $728,380,000 | 929 |
| Average earning assets | $674,229,000 | 918 |
| Average equity | $66,026,330 | 1,005 |
| Average total loans | $653,518,670 | 673 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2971% | 3,565 |
| Cost of funding earning assets | 1.2661% | 5,036 |
| Net interest margin | 4.0311% | 2,741 |
| Noninterest income to average assets | 4.7596% | 145 |
| Noninterest expense to average assets | 6.6850% | 164 |
| Loan and lease loss provision to assets | 0.7619% | 1,668 |
| Net operating income to assets | 0.7194% | 3,348 |
| Return on assets (ROA) | 0.7120% | 3,493 |
| Pretax return on assets | 1.0390% | 2,938 |
| Return on Equity (ROE) | 7.8645% | 2,955 |
| Retained earnings to average equity (ytd only) | 4.6262% | 3,361 |
| Net charge-offs to loans | 1.2603% | 1,353 |
| Credit loss provision to net charge-offs | 67.1046% | 4,160 |
| Earnings coverage of net charge-offs (x) | 1.5927% | 3,768 |
| Efficiency ratio | 78.4045% | 2,831 |
| Assets per employee ($millions) | 1.6238% | 7,802 |
| Cash dividends to net income (ytd only)* | 41.1765% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 4,661 |
| Loan loss allowance to noncurrent loans | 128.0343% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 1.0776% | 4,993 |
| Noncurrent loans to loans | 1.0564% | 5,228 |
| Net loans and leases to total assets | 89.5161% | 81 |
| Net loans and leases to deposits | 106.6716% | 399 |
| Net loans and leases to core deposits | 118.7939% | 834 |
| Total domestic deposits to total assets | 83.9175% | 4,181 |
| Equity capital to assets | 9.4419% | 4,628 |
| Core capital (leverage) ratio | 9.6741% | 3,554 |
| Tier 1 risk-based capital ratio | 10.8043% | 6,339 |
| Total risk-based capital ratio | 12.0565% | 6,320 |
| Memoranda: | ||
| Average total assets | $697,202,000 | 984 |
| Average earning assets | $645,782,500 | 972 |
| Average equity | $63,119,000 | 1,060 |
| Average total loans | $628,099,500 | 732 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3949% | 4,723 |
| Cost of funding earning assets | 1.6745% | 4,643 |
| Net interest margin | 3.7204% | 4,043 |
| Noninterest income to average assets | 5.4948% | 129 |
| Noninterest expense to average assets | 6.9444% | 209 |
| Loan and lease loss provision to assets | 0.7994% | 2,736 |
| Net operating income to assets | 0.8305% | 2,412 |
| Return on assets (ROA) | 0.7991% | 2,628 |
| Pretax return on assets | 1.1773% | 2,014 |
| Return on Equity (ROE) | 9.0098% | 2,022 |
| Retained earnings to average equity (ytd only) | 6.6174% | 1,112 |
| Net charge-offs to loans | 0.6619% | 3,200 |
| Credit loss provision to net charge-offs | 131.8748% | 3,814 |
| Earnings coverage of net charge-offs (x) | 3.3129% | 3,405 |
| Efficiency ratio | 77.2607% | 3,315 |
| Assets per employee ($millions) | 1.7328% | 7,845 |
| Cash dividends to net income (ytd only)* | 26.5535% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 3,678 |
| Loan loss allowance to noncurrent loans | 120.5600% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 1.4253% | 4,278 |
| Noncurrent loans to loans | 1.2509% | 4,855 |
| Net loans and leases to total assets | 88.0709% | 169 |
| Net loans and leases to deposits | 108.7890% | 431 |
| Net loans and leases to core deposits | 137.8533% | 882 |
| Total domestic deposits to total assets | 80.9557% | 5,354 |
| Equity capital to assets | 8.6559% | 5,652 |
| Core capital (leverage) ratio | 8.7517% | 4,837 |
| Tier 1 risk-based capital ratio | 9.8547% | 6,981 |
| Total risk-based capital ratio | 11.1087% | 6,956 |
| Memoranda: | ||
| Average total assets | $648,505,400 | 1,070 |
| Average earning assets | $602,732,200 | 1,037 |
| Average equity | $57,515,400 | 1,151 |
| Average total loans | $593,889,200 | 800 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3979% | 4,962 |
| Cost of funding earning assets | 1.7992% | 4,383 |
| Net interest margin | 3.5987% | 4,490 |
| Noninterest income to average assets | 5.5489% | 130 |
| Noninterest expense to average assets | 6.8243% | 209 |
| Loan and lease loss provision to assets | 0.8534% | 2,247 |
| Net operating income to assets | 0.8371% | 2,670 |
| Return on assets (ROA) | 0.8020% | 2,874 |
| Pretax return on assets | 1.1851% | 2,316 |
| Return on Equity (ROE) | 8.9846% | 2,263 |
| Retained earnings to average equity (ytd only) | 7.3768% | 1,362 |
| Net charge-offs to loans | 0.5851% | 2,925 |
| Credit loss provision to net charge-offs | 158.2720% | 3,006 |
| Earnings coverage of net charge-offs (x) | 3.8458% | 3,365 |
| Efficiency ratio | 76.3805% | 3,438 |
| Assets per employee ($millions) | 1.8590% | 7,873 |
| Cash dividends to net income (ytd only)* | 17.8953% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6089% | 2,954 |
| Loan loss allowance to noncurrent loans | 124.2034% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 1.3434% | 4,404 |
| Noncurrent loans to loans | 1.2954% | 4,779 |
| Net loans and leases to total assets | 89.5024% | 136 |
| Net loans and leases to deposits | 105.1957% | 697 |
| Net loans and leases to core deposits | 133.8799% | 1,220 |
| Total domestic deposits to total assets | 85.0817% | 3,184 |
| Equity capital to assets | 9.0060% | 5,470 |
| Core capital (leverage) ratio | 8.8924% | 4,821 |
| Tier 1 risk-based capital ratio | 10.0953% | 6,886 |
| Total risk-based capital ratio | 11.3525% | 6,820 |
| Memoranda: | ||
| Average total assets | $638,215,500 | 1,100 |
| Average earning assets | $593,945,750 | 1,076 |
| Average equity | $56,970,000 | 1,175 |
| Average total loans | $588,188,000 | 826 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4081% | 5,107 |
| Cost of funding earning assets | 1.8758% | 4,393 |
| Net interest margin | 3.5323% | 4,648 |
| Noninterest income to average assets | 5.6030% | 123 |
| Noninterest expense to average assets | 6.8384% | 235 |
| Loan and lease loss provision to assets | 0.8013% | 2,087 |
| Net operating income to assets | 0.8762% | 2,556 |
| Return on assets (ROA) | 0.8301% | 2,831 |
| Pretax return on assets | 1.2134% | 2,260 |
| Return on Equity (ROE) | 9.3274% | 2,244 |
| Retained earnings to average equity (ytd only) | 7.7379% | 1,296 |
| Net charge-offs to loans | 0.5300% | 2,738 |
| Credit loss provision to net charge-offs | 163.3205% | 2,812 |
| Earnings coverage of net charge-offs (x) | 4.2001% | 3,178 |
| Efficiency ratio | 76.5274% | 3,593 |
| Assets per employee ($millions) | 2.0838% | 7,789 |
| Cash dividends to net income (ytd only)* | 17.0407% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 3,328 |
| Loan loss allowance to noncurrent loans | 210.5386% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.7611% | 5,500 |
| Noncurrent loans to loans | 0.7007% | 5,847 |
| Net loans and leases to total assets | 90.1602% | 123 |
| Net loans and leases to deposits | 111.4196% | 502 |
| Net loans and leases to core deposits | 142.9290% | 891 |
| Total domestic deposits to total assets | 80.9195% | 5,106 |
| Equity capital to assets | 8.6225% | 5,862 |
| Core capital (leverage) ratio | 8.5786% | 5,301 |
| Tier 1 risk-based capital ratio | 9.7964% | 7,141 |
| Total risk-based capital ratio | 11.0491% | 7,083 |
| Memoranda: | ||
| Average total assets | $633,451,000 | 1,130 |
| Average earning assets | $591,118,000 | 1,099 |
| Average equity | $56,371,670 | 1,198 |
| Average total loans | $586,397,000 | 849 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2697% | 6,029 |
| Cost of funding earning assets | 2.0205% | 4,030 |
| Net interest margin | 3.2491% | 5,692 |
| Noninterest income to average assets | 5.0945% | 128 |
| Noninterest expense to average assets | 6.5354% | 234 |
| Loan and lease loss provision to assets | 0.4554% | 2,648 |
| Net operating income to assets | 0.7997% | 3,130 |
| Return on assets (ROA) | 0.7386% | 3,577 |
| Pretax return on assets | 1.0732% | 3,087 |
| Return on Equity (ROE) | 8.1624% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.6096% | 1,973 |
| Net charge-offs to loans | 0.0607% | 4,612 |
| Credit loss provision to net charge-offs | 805.7471% | 742 |
| Earnings coverage of net charge-offs (x) | 28.1264% | 1,112 |
| Efficiency ratio | 80.0832% | 2,808 |
| Assets per employee ($millions) | 2.2098% | 7,700 |
| Cash dividends to net income (ytd only)* | 6.7722% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4729% | 3,126 |
| Loan loss allowance to noncurrent loans | 92.2454% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 2.0664% | 2,799 |
| Noncurrent loans to loans | 1.5967% | 3,885 |
| Net loans and leases to total assets | 91.3427% | 83 |
| Net loans and leases to deposits | 107.8496% | 733 |
| Net loans and leases to core deposits | 135.3041% | 1,344 |
| Total domestic deposits to total assets | 84.6945% | 3,365 |
| Equity capital to assets | 8.8829% | 5,507 |
| Core capital (leverage) ratio | 8.7862% | 5,015 |
| Tier 1 risk-based capital ratio | 9.9078% | 7,028 |
| Total risk-based capital ratio | 11.0734% | 7,027 |
| Memoranda: | ||
| Average total assets | $615,720,000 | 1,159 |
| Average earning assets | $574,306,500 | 1,139 |
| Average equity | $55,719,000 | 1,217 |
| Average total loans | $573,534,000 | 868 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9202% | 5,944 |
| Cost of funding earning assets | 2.7233% | 3,045 |
| Net interest margin | 3.1969% | 6,376 |
| Noninterest income to average assets | 3.5327% | 163 |
| Noninterest expense to average assets | 5.2088% | 574 |
| Loan and lease loss provision to assets | 0.8905% | 1,676 |
| Net operating income to assets | 0.3012% | 5,535 |
| Return on assets (ROA) | 0.2936% | 5,378 |
| Pretax return on assets | 0.3833% | 5,308 |
| Return on Equity (ROE) | 3.1679% | 5,168 |
| Retained earnings to average equity (ytd only) | 2.1713% | 3,873 |
| Net charge-offs to loans | 0.1849% | 4,354 |
| Credit loss provision to net charge-offs | 531.1441% | 822 |
| Earnings coverage of net charge-offs (x) | 7.6568% | 3,052 |
| Efficiency ratio | 79.7379% | 2,636 |
| Assets per employee ($millions) | 2.1877% | 7,731 |
| Cash dividends to net income (ytd only)* | 31.4580% | 4,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 2,978 |
| Loan loss allowance to noncurrent loans | 107.1942% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.3460% | 3,521 |
| Noncurrent loans to loans | 1.3425% | 3,831 |
| Net loans and leases to total assets | 92.2689% | 73 |
| Net loans and leases to deposits | 111.0526% | 763 |
| Net loans and leases to core deposits | 135.7796% | 1,499 |
| Total domestic deposits to total assets | 83.0857% | 3,729 |
| Equity capital to assets | 9.2262% | 5,039 |
| Core capital (leverage) ratio | 9.2245% | 4,405 |
| Tier 1 risk-based capital ratio | 10.6173% | 6,080 |
| Total risk-based capital ratio | 11.8722% | 5,973 |
| Memoranda: | ||
| Average total assets | $563,048,600 | 1,199 |
| Average earning assets | $521,285,600 | 1,184 |
| Average equity | $52,180,200 | 1,290 |
| Average total loans | $510,647,200 | 935 |