Home > National Bank of Petersburg > Performance and Condition Ratios
National Bank of Petersburg, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3068% | 5,118 |
| Cost of funding earning assets | 0.2536% | 4,767 |
| Net interest margin | 3.0532% | 4,778 |
| Noninterest income to average assets | 0.4589% | 3,112 |
| Noninterest expense to average assets | 2.2084% | 4,304 |
| Loan and lease loss provision to assets | 0.1765% | 1,039 |
| Net operating income to assets | 0.9368% | 3,363 |
| Return on assets (ROA) | 0.9368% | 3,367 |
| Pretax return on assets | 0.9503% | 3,878 |
| Return on Equity (ROE) | 9.8325% | 2,696 |
| Retained earnings to average equity (ytd only) | 9.8325% | 974 |
| Net charge-offs to loans | 0.4477% | 347 |
| Credit loss provision to net charge-offs | 77.6892% | 2,550 |
| Earnings coverage of net charge-offs (x) | 4.9601% | 3,004 |
| Efficiency ratio | 66.2144% | 2,829 |
| Assets per employee ($millions) | 5.7294% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 2,838 |
| Loan loss allowance to noncurrent loans | 229.3151% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 3,678 |
| Noncurrent loans to loans | 0.5066% | 2,867 |
| Net loans and leases to total assets | 49.7124% | 4,618 |
| Net loans and leases to deposits | 55.7857% | 4,759 |
| Net loans and leases to core deposits | 56.5688% | 4,831 |
| Total domestic deposits to total assets | 89.1131% | 810 |
| Equity capital to assets | 9.9402% | 3,708 |
| Core capital (leverage) ratio | 11.2786% | 2,348 |
| Tier 1 risk-based capital ratio | 19.5688% | 1,423 |
| Total risk-based capital ratio | 20.5490% | 1,443 |
| Memoranda: | ||
| Average total assets | $147,313,750 | 3,453 |
| Average earning assets | $138,780,000 | 3,411 |
| Average equity | $14,034,750 | 3,770 |
| Average total loans | $74,755,000 | 3,815 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2659% | 5,170 |
| Cost of funding earning assets | 0.2468% | 4,759 |
| Net interest margin | 3.0191% | 4,850 |
| Noninterest income to average assets | 0.4641% | 3,070 |
| Noninterest expense to average assets | 2.2035% | 4,356 |
| Loan and lease loss provision to assets | 0.0404% | 3,103 |
| Net operating income to assets | 1.0506% | 2,802 |
| Return on assets (ROA) | 1.0506% | 2,794 |
| Pretax return on assets | 1.0668% | 3,444 |
| Return on Equity (ROE) | 11.1835% | 2,040 |
| Retained earnings to average equity (ytd only) | 11.1835% | 634 |
| Net charge-offs to loans | 0.0819% | 1,508 |
| Credit loss provision to net charge-offs | 96.7742% | 2,095 |
| Earnings coverage of net charge-offs (x) | 26.5484% | 1,597 |
| Efficiency ratio | 66.5583% | 2,885 |
| Assets per employee ($millions) | 5.7921% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 2,686 |
| Loan loss allowance to noncurrent loans | 276.1610% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 3,920 |
| Noncurrent loans to loans | 0.4360% | 3,136 |
| Net loans and leases to total assets | 48.6062% | 4,680 |
| Net loans and leases to deposits | 54.1963% | 4,838 |
| Net loans and leases to core deposits | 54.9122% | 4,903 |
| Total domestic deposits to total assets | 89.6855% | 670 |
| Equity capital to assets | 9.4041% | 4,186 |
| Core capital (leverage) ratio | 10.9126% | 2,593 |
| Tier 1 risk-based capital ratio | 18.9548% | 1,557 |
| Total risk-based capital ratio | 19.9823% | 1,577 |
| Memoranda: | ||
| Average total assets | $148,673,000 | 3,454 |
| Average earning assets | $140,175,670 | 3,410 |
| Average equity | $13,967,000 | 3,801 |
| Average total loans | $75,659,000 | 3,818 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2505% | 5,195 |
| Cost of funding earning assets | 0.2441% | 4,748 |
| Net interest margin | 3.0064% | 4,874 |
| Noninterest income to average assets | 0.4549% | 3,080 |
| Noninterest expense to average assets | 2.3884% | 3,977 |
| Loan and lease loss provision to assets | 0.0406% | 2,945 |
| Net operating income to assets | 0.8422% | 3,540 |
| Return on assets (ROA) | 0.8422% | 3,557 |
| Pretax return on assets | 0.8611% | 3,979 |
| Return on Equity (ROE) | 8.9693% | 2,918 |
| Retained earnings to average equity (ytd only) | 8.9693% | 1,467 |
| Net charge-offs to loans | 0.0105% | 2,371 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 166.5000% | 389 |
| Efficiency ratio | 72.5926% | 2,104 |
| Assets per employee ($millions) | 5.7817% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 2,802 |
| Loan loss allowance to noncurrent loans | 862.8571% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 4,741 |
| Noncurrent loans to loans | 0.1391% | 4,344 |
| Net loans and leases to total assets | 49.6172% | 4,589 |
| Net loans and leases to deposits | 55.3361% | 4,730 |
| Net loans and leases to core deposits | 56.0665% | 4,840 |
| Total domestic deposits to total assets | 89.6651% | 801 |
| Equity capital to assets | 9.1994% | 4,365 |
| Core capital (leverage) ratio | 10.6938% | 2,744 |
| Tier 1 risk-based capital ratio | 17.8467% | 1,878 |
| Total risk-based capital ratio | 18.8582% | 1,897 |
| Memoranda: | ||
| Average total assets | $147,712,500 | 3,498 |
| Average earning assets | $139,302,000 | 3,458 |
| Average equity | $13,869,500 | 3,845 |
| Average total loans | $76,443,500 | 3,819 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1636% | 5,231 |
| Cost of funding earning assets | 0.2427% | 4,624 |
| Net interest margin | 2.9210% | 5,014 |
| Noninterest income to average assets | 0.5948% | 2,472 |
| Noninterest expense to average assets | 2.2934% | 4,347 |
| Loan and lease loss provision to assets | 0.0997% | 2,230 |
| Net operating income to assets | 0.9486% | 2,457 |
| Return on assets (ROA) | 0.9779% | 2,375 |
| Pretax return on assets | 0.9875% | 3,626 |
| Return on Equity (ROE) | 9.8304% | 1,962 |
| Retained earnings to average equity (ytd only) | 0.4977% | 4,837 |
| Net charge-offs to loans | 0.2148% | 1,209 |
| Credit loss provision to net charge-offs | 89.5062% | 2,795 |
| Earnings coverage of net charge-offs (x) | 9.4938% | 2,778 |
| Efficiency ratio | 68.4383% | 2,813 |
| Assets per employee ($millions) | 5.3741% | 2,082 |
| Cash dividends to net income (ytd only)* | 94.9367% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 3,031 |
| Loan loss allowance to noncurrent loans | 264.9852% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 3,978 |
| Noncurrent loans to loans | 0.4354% | 3,222 |
| Net loans and leases to total assets | 52.7229% | 4,466 |
| Net loans and leases to deposits | 59.0691% | 4,639 |
| Net loans and leases to core deposits | 59.7393% | 4,769 |
| Total domestic deposits to total assets | 89.2564% | 888 |
| Equity capital to assets | 9.5865% | 4,155 |
| Core capital (leverage) ratio | 10.7156% | 2,627 |
| Tier 1 risk-based capital ratio | 17.2844% | 2,001 |
| Total risk-based capital ratio | 18.2691% | 2,038 |
| Memoranda: | ||
| Average total assets | $145,415,000 | 3,535 |
| Average earning assets | $137,215,400 | 3,486 |
| Average equity | $14,465,400 | 3,783 |
| Average total loans | $75,427,800 | 3,836 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1215% | 5,311 |
| Cost of funding earning assets | 0.2407% | 4,652 |
| Net interest margin | 2.8808% | 5,113 |
| Noninterest income to average assets | 0.5086% | 2,982 |
| Noninterest expense to average assets | 2.2763% | 4,356 |
| Loan and lease loss provision to assets | 0.0733% | 2,605 |
| Net operating income to assets | 0.8688% | 3,183 |
| Return on assets (ROA) | 0.8752% | 3,193 |
| Pretax return on assets | 0.8852% | 4,085 |
| Return on Equity (ROE) | 8.7187% | 2,756 |
| Retained earnings to average equity (ytd only) | 8.7187% | 939 |
| Net charge-offs to loans | 0.1939% | 1,096 |
| Credit loss provision to net charge-offs | 73.3945% | 2,661 |
| Earnings coverage of net charge-offs (x) | 9.5321% | 2,683 |
| Efficiency ratio | 70.5081% | 2,455 |
| Assets per employee ($millions) | 5.1656% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 3,150 |
| Loan loss allowance to noncurrent loans | 419.5238% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 4,536 |
| Noncurrent loans to loans | 0.2764% | 3,961 |
| Net loans and leases to total assets | 51.9234% | 4,572 |
| Net loans and leases to deposits | 58.7182% | 4,705 |
| Net loans and leases to core deposits | 59.4061% | 4,844 |
| Total domestic deposits to total assets | 88.4282% | 1,162 |
| Equity capital to assets | 10.4621% | 3,410 |
| Core capital (leverage) ratio | 11.3500% | 2,144 |
| Tier 1 risk-based capital ratio | 19.1087% | 1,555 |
| Total risk-based capital ratio | 20.1256% | 1,580 |
| Memoranda: | ||
| Average total assets | $145,493,750 | 3,562 |
| Average earning assets | $137,368,000 | 3,516 |
| Average equity | $14,604,250 | 3,802 |
| Average total loans | $74,936,250 | 3,877 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0607% | 5,387 |
| Cost of funding earning assets | 0.2397% | 4,642 |
| Net interest margin | 2.8210% | 5,214 |
| Noninterest income to average assets | 0.4925% | 3,067 |
| Noninterest expense to average assets | 2.2884% | 4,379 |
| Loan and lease loss provision to assets | 0.0892% | 2,200 |
| Net operating income to assets | 0.7725% | 3,532 |
| Return on assets (ROA) | 0.7779% | 3,553 |
| Pretax return on assets | 0.7847% | 4,331 |
| Return on Equity (ROE) | 7.8595% | 3,117 |
| Retained earnings to average equity (ytd only) | 7.8595% | 1,222 |
| Net charge-offs to loans | 0.2950% | 689 |
| Credit loss provision to net charge-offs | 59.0909% | 2,471 |
| Earnings coverage of net charge-offs (x) | 5.7545% | 2,788 |
| Efficiency ratio | 72.4902% | 2,267 |
| Assets per employee ($millions) | 5.0396% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 3,313 |
| Loan loss allowance to noncurrent loans | 786.3636% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 4,899 |
| Noncurrent loans to loans | 0.1462% | 4,530 |
| Net loans and leases to total assets | 50.8803% | 4,651 |
| Net loans and leases to deposits | 57.3438% | 4,783 |
| Net loans and leases to core deposits | 58.0049% | 4,918 |
| Total domestic deposits to total assets | 88.7285% | 1,093 |
| Equity capital to assets | 10.1268% | 3,765 |
| Core capital (leverage) ratio | 11.0619% | 2,348 |
| Tier 1 risk-based capital ratio | 18.9124% | 1,607 |
| Total risk-based capital ratio | 19.9242% | 1,640 |
| Memoranda: | ||
| Average total assets | $145,779,670 | 3,573 |
| Average earning assets | $137,679,670 | 3,528 |
| Average equity | $14,428,330 | 3,833 |
| Average total loans | $74,588,000 | 3,907 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9705% | 5,486 |
| Cost of funding earning assets | 0.2388% | 4,648 |
| Net interest margin | 2.7317% | 5,348 |
| Noninterest income to average assets | 0.4670% | 3,206 |
| Noninterest expense to average assets | 2.2995% | 4,408 |
| Loan and lease loss provision to assets | 0.0412% | 2,982 |
| Net operating income to assets | 0.6951% | 3,729 |
| Return on assets (ROA) | 0.7006% | 3,739 |
| Pretax return on assets | 0.7088% | 4,424 |
| Return on Equity (ROE) | 7.1617% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.1617% | 1,801 |
| Net charge-offs to loans | -0.0592% | 5,257 |
| Credit loss provision to net charge-offs | -136.3636% | 3,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5415% | 1,980 |
| Assets per employee ($millions) | 5.2708% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 2,757 |
| Loan loss allowance to noncurrent loans | 592.4051% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 4,843 |
| Noncurrent loans to loans | 0.2127% | 4,347 |
| Net loans and leases to total assets | 49.6975% | 4,693 |
| Net loans and leases to deposits | 55.7440% | 4,829 |
| Net loans and leases to core deposits | 56.3755% | 4,960 |
| Total domestic deposits to total assets | 89.1531% | 1,077 |
| Equity capital to assets | 9.7587% | 4,013 |
| Core capital (leverage) ratio | 10.7082% | 2,683 |
| Tier 1 risk-based capital ratio | 18.7881% | 1,665 |
| Total risk-based capital ratio | 19.8972% | 1,664 |
| Memoranda: | ||
| Average total assets | $145,596,000 | 3,607 |
| Average earning assets | $137,351,500 | 3,567 |
| Average equity | $14,242,500 | 3,883 |
| Average total loans | $74,269,500 | 3,946 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9991% | 5,506 |
| Cost of funding earning assets | 0.2504% | 4,561 |
| Net interest margin | 2.7488% | 5,360 |
| Noninterest income to average assets | 0.6166% | 2,570 |
| Noninterest expense to average assets | 2.3323% | 4,479 |
| Loan and lease loss provision to assets | 0.0559% | 3,262 |
| Net operating income to assets | 0.8093% | 3,261 |
| Return on assets (ROA) | 0.8515% | 3,171 |
| Pretax return on assets | 0.8578% | 3,985 |
| Return on Equity (ROE) | 8.2539% | 2,810 |
| Retained earnings to average equity (ytd only) | 0.2914% | 5,202 |
| Net charge-offs to loans | 0.1863% | 1,485 |
| Credit loss provision to net charge-offs | 58.8235% | 3,264 |
| Earnings coverage of net charge-offs (x) | 9.1618% | 2,777 |
| Efficiency ratio | 72.8066% | 2,459 |
| Assets per employee ($millions) | 5.1290% | 2,253 |
| Cash dividends to net income (ytd only)* | 96.4696% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,969 |
| Loan loss allowance to noncurrent loans | 627.5862% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 4,917 |
| Noncurrent loans to loans | 0.1953% | 4,459 |
| Net loans and leases to total assets | 51.0748% | 4,680 |
| Net loans and leases to deposits | 57.3335% | 4,836 |
| Net loans and leases to core deposits | 58.0004% | 4,965 |
| Total domestic deposits to total assets | 89.0837% | 1,076 |
| Equity capital to assets | 9.8064% | 3,932 |
| Core capital (leverage) ratio | 10.7341% | 2,617 |
| Tier 1 risk-based capital ratio | 18.6483% | 1,689 |
| Total risk-based capital ratio | 19.7361% | 1,698 |
| Memoranda: | ||
| Average total assets | $143,036,400 | 3,621 |
| Average earning assets | $134,605,200 | 3,579 |
| Average equity | $14,756,600 | 3,843 |
| Average total loans | $72,986,800 | 3,967 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0126% | 5,558 |
| Cost of funding earning assets | 0.2509% | 4,593 |
| Net interest margin | 2.7617% | 5,417 |
| Noninterest income to average assets | 0.5431% | 2,951 |
| Noninterest expense to average assets | 2.3103% | 4,512 |
| Loan and lease loss provision to assets | 0.0420% | 3,397 |
| Net operating income to assets | 0.7825% | 3,439 |
| Return on assets (ROA) | 0.8388% | 3,321 |
| Pretax return on assets | 0.8463% | 4,167 |
| Return on Equity (ROE) | 8.0311% | 2,986 |
| Retained earnings to average equity (ytd only) | 8.0311% | 1,154 |
| Net charge-offs to loans | 0.1413% | 1,580 |
| Credit loss provision to net charge-offs | 58.4416% | 2,924 |
| Earnings coverage of net charge-offs (x) | 11.5719% | 2,476 |
| Efficiency ratio | 73.5373% | 2,368 |
| Assets per employee ($millions) | 4.8248% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 2,704 |
| Loan loss allowance to noncurrent loans | 1,049.4382% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 5,191 |
| Noncurrent loans to loans | 0.1236% | 4,846 |
| Net loans and leases to total assets | 50.7747% | 4,762 |
| Net loans and leases to deposits | 57.8690% | 4,884 |
| Net loans and leases to core deposits | 58.5722% | 5,019 |
| Total domestic deposits to total assets | 87.7409% | 1,532 |
| Equity capital to assets | 11.0585% | 2,948 |
| Core capital (leverage) ratio | 11.4960% | 2,034 |
| Tier 1 risk-based capital ratio | 20.4280% | 1,368 |
| Total risk-based capital ratio | 21.5875% | 1,350 |
| Memoranda: | ||
| Average total assets | $142,892,750 | 3,635 |
| Average earning assets | $134,452,750 | 3,600 |
| Average equity | $14,925,000 | 3,848 |
| Average total loans | $72,668,750 | 4,002 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9948% | 5,658 |
| Cost of funding earning assets | 0.2480% | 4,680 |
| Net interest margin | 2.7468% | 5,508 |
| Noninterest income to average assets | 0.5199% | 3,067 |
| Noninterest expense to average assets | 2.3005% | 4,613 |
| Loan and lease loss provision to assets | 0.0417% | 3,316 |
| Net operating income to assets | 0.7584% | 3,510 |
| Return on assets (ROA) | 0.8423% | 3,254 |
| Pretax return on assets | 0.8493% | 4,123 |
| Return on Equity (ROE) | 8.2212% | 2,873 |
| Retained earnings to average equity (ytd only) | 8.2212% | 1,102 |
| Net charge-offs to loans | 0.1125% | 1,703 |
| Credit loss provision to net charge-offs | 73.1707% | 2,445 |
| Earnings coverage of net charge-offs (x) | 14.1463% | 2,074 |
| Efficiency ratio | 74.0492% | 2,350 |
| Assets per employee ($millions) | 4.9482% | 2,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 2,714 |
| Loan loss allowance to noncurrent loans | 2,448.7179% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 5,483 |
| Noncurrent loans to loans | 0.0536% | 5,248 |
| Net loans and leases to total assets | 49.9962% | 4,839 |
| Net loans and leases to deposits | 56.6901% | 4,973 |
| Net loans and leases to core deposits | 57.3563% | 5,107 |
| Total domestic deposits to total assets | 88.1921% | 1,328 |
| Equity capital to assets | 10.6588% | 3,459 |
| Core capital (leverage) ratio | 11.0816% | 2,348 |
| Tier 1 risk-based capital ratio | 19.9135% | 1,478 |
| Total risk-based capital ratio | 21.0900% | 1,457 |
| Memoranda: | ||
| Average total assets | $143,883,670 | 3,646 |
| Average earning assets | $135,500,670 | 3,605 |
| Average equity | $14,742,330 | 3,895 |
| Average total loans | $72,899,000 | 4,021 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9577% | 5,729 |
| Cost of funding earning assets | 0.2536% | 4,663 |
| Net interest margin | 2.7041% | 5,615 |
| Noninterest income to average assets | 0.5414% | 2,861 |
| Noninterest expense to average assets | 2.2766% | 4,720 |
| Loan and lease loss provision to assets | 0.0416% | 3,091 |
| Net operating income to assets | 0.7635% | 3,424 |
| Return on assets (ROA) | 0.7635% | 3,533 |
| Pretax return on assets | 0.7690% | 4,310 |
| Return on Equity (ROE) | 7.6040% | 3,127 |
| Retained earnings to average equity (ytd only) | 7.6040% | 1,617 |
| Net charge-offs to loans | 0.2192% | 929 |
| Credit loss provision to net charge-offs | 37.5000% | 2,163 |
| Earnings coverage of net charge-offs (x) | 7.3000% | 2,156 |
| Efficiency ratio | 73.7410% | 2,520 |
| Assets per employee ($millions) | 5.1593% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 2,947 |
| Loan loss allowance to noncurrent loans | 879.4393% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 5,288 |
| Noncurrent loans to loans | 0.1470% | 4,887 |
| Net loans and leases to total assets | 49.7421% | 4,831 |
| Net loans and leases to deposits | 56.2653% | 4,965 |
| Net loans and leases to core deposits | 56.9304% | 5,090 |
| Total domestic deposits to total assets | 88.4064% | 1,406 |
| Equity capital to assets | 10.2424% | 3,803 |
| Core capital (leverage) ratio | 10.9601% | 2,440 |
| Tier 1 risk-based capital ratio | 19.1211% | 1,704 |
| Total risk-based capital ratio | 20.2575% | 1,697 |
| Memoranda: | ||
| Average total assets | $144,077,000 | 3,667 |
| Average earning assets | $135,645,500 | 3,622 |
| Average equity | $14,466,000 | 3,933 |
| Average total loans | $72,999,500 | 4,046 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8944% | 5,814 |
| Cost of funding earning assets | 0.2611% | 4,682 |
| Net interest margin | 2.6333% | 5,728 |
| Noninterest income to average assets | 0.6090% | 2,676 |
| Noninterest expense to average assets | 2.2177% | 5,020 |
| Loan and lease loss provision to assets | 0.0403% | 3,533 |
| Net operating income to assets | 0.8192% | 3,252 |
| Return on assets (ROA) | 0.8265% | 3,292 |
| Pretax return on assets | 0.8366% | 4,082 |
| Return on Equity (ROE) | 8.3829% | 2,766 |
| Retained earnings to average equity (ytd only) | 0.2111% | 5,426 |
| Net charge-offs to loans | 0.0626% | 2,973 |
| Credit loss provision to net charge-offs | 130.4348% | 2,004 |
| Earnings coverage of net charge-offs (x) | 28.1522% | 1,517 |
| Efficiency ratio | 71.8356% | 2,935 |
| Assets per employee ($millions) | 5.3220% | 1,984 |
| Cash dividends to net income (ytd only)* | 97.4817% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 2,793 |
| Loan loss allowance to noncurrent loans | 743.0769% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 5,258 |
| Noncurrent loans to loans | 0.1776% | 4,782 |
| Net loans and leases to total assets | 50.2697% | 4,844 |
| Net loans and leases to deposits | 56.6101% | 5,010 |
| Net loans and leases to core deposits | 57.1642% | 5,147 |
| Total domestic deposits to total assets | 88.7999% | 1,227 |
| Equity capital to assets | 9.8375% | 4,148 |
| Core capital (leverage) ratio | 10.5529% | 2,879 |
| Tier 1 risk-based capital ratio | 18.6311% | 1,796 |
| Total risk-based capital ratio | 19.7880% | 1,766 |
| Memoranda: | ||
| Average total assets | $148,936,200 | 3,585 |
| Average earning assets | $140,167,200 | 3,538 |
| Average equity | $14,684,600 | 3,882 |
| Average total loans | $73,439,000 | 4,013 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8670% | 5,920 |
| Cost of funding earning assets | 0.2611% | 4,765 |
| Net interest margin | 2.6058% | 5,832 |
| Noninterest income to average assets | 0.4934% | 3,413 |
| Noninterest expense to average assets | 2.1111% | 5,251 |
| Loan and lease loss provision to assets | 0.0532% | 3,131 |
| Net operating income to assets | 0.7721% | 3,571 |
| Return on assets (ROA) | 0.7800% | 3,615 |
| Pretax return on assets | 0.7898% | 4,364 |
| Return on Equity (ROE) | 7.9071% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.9071% | 1,276 |
| Net charge-offs to loans | 0.0381% | 3,132 |
| Credit loss provision to net charge-offs | 285.7143% | 1,010 |
| Earnings coverage of net charge-offs (x) | 44.8086% | 1,134 |
| Efficiency ratio | 71.6566% | 2,938 |
| Assets per employee ($millions) | 5.0711% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 2,915 |
| Loan loss allowance to noncurrent loans | 354.8387% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 4,992 |
| Noncurrent loans to loans | 0.3771% | 4,263 |
| Net loans and leases to total assets | 49.6328% | 4,959 |
| Net loans and leases to deposits | 57.5321% | 5,031 |
| Net loans and leases to core deposits | 58.1083% | 5,183 |
| Total domestic deposits to total assets | 86.2697% | 2,398 |
| Equity capital to assets | 10.5065% | 3,595 |
| Core capital (leverage) ratio | 10.8270% | 2,677 |
| Tier 1 risk-based capital ratio | 19.7230% | 1,616 |
| Total risk-based capital ratio | 20.9132% | 1,597 |
| Memoranda: | ||
| Average total assets | $150,246,500 | 3,600 |
| Average earning assets | $141,422,000 | 3,555 |
| Average equity | $14,821,750 | 3,900 |
| Average total loans | $73,498,500 | 4,046 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8355% | 5,993 |
| Cost of funding earning assets | 0.2597% | 4,835 |
| Net interest margin | 2.5759% | 5,904 |
| Noninterest income to average assets | 0.4772% | 3,517 |
| Noninterest expense to average assets | 2.0488% | 5,442 |
| Loan and lease loss provision to assets | 0.0661% | 2,794 |
| Net operating income to assets | 0.7760% | 3,508 |
| Return on assets (ROA) | 0.7878% | 3,552 |
| Pretax return on assets | 0.7997% | 4,311 |
| Return on Equity (ROE) | 8.1577% | 2,960 |
| Retained earnings to average equity (ytd only) | 8.1577% | 1,205 |
| Net charge-offs to loans | -0.0927% | 5,760 |
| Credit loss provision to net charge-offs | -147.0588% | 4,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5829% | 3,244 |
| Assets per employee ($millions) | 5.4391% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 2,653 |
| Loan loss allowance to noncurrent loans | 280.0000% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 4,903 |
| Noncurrent loans to loans | 0.5081% | 3,936 |
| Net loans and leases to total assets | 47.1351% | 5,171 |
| Net loans and leases to deposits | 52.9521% | 5,317 |
| Net loans and leases to core deposits | 53.4473% | 5,456 |
| Total domestic deposits to total assets | 89.0147% | 1,132 |
| Equity capital to assets | 9.8139% | 4,258 |
| Core capital (leverage) ratio | 10.6329% | 2,815 |
| Tier 1 risk-based capital ratio | 19.5338% | 1,662 |
| Total risk-based capital ratio | 20.7841% | 1,624 |
| Memoranda: | ||
| Average total assets | $151,308,000 | 3,611 |
| Average earning assets | $142,477,000 | 3,561 |
| Average equity | $14,612,000 | 3,947 |
| Average total loans | $73,337,670 | 4,076 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7900% | 6,076 |
| Cost of funding earning assets | 0.2608% | 4,896 |
| Net interest margin | 2.5293% | 5,986 |
| Noninterest income to average assets | 0.4748% | 3,469 |
| Noninterest expense to average assets | 1.9971% | 5,583 |
| Loan and lease loss provision to assets | 0.0928% | 2,137 |
| Net operating income to assets | 0.7720% | 3,403 |
| Return on assets (ROA) | 0.7957% | 3,412 |
| Pretax return on assets | 0.8010% | 4,237 |
| Return on Equity (ROE) | 8.3074% | 2,806 |
| Retained earnings to average equity (ytd only) | 8.3074% | 1,453 |
| Net charge-offs to loans | 0.7500% | 310 |
| Credit loss provision to net charge-offs | 25.3623% | 2,314 |
| Earnings coverage of net charge-offs (x) | 2.3768% | 2,768 |
| Efficiency ratio | 69.6577% | 3,549 |
| Assets per employee ($millions) | 5.4148% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 4,150 |
| Loan loss allowance to noncurrent loans | 203.5971% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 4,847 |
| Noncurrent loans to loans | 0.5741% | 3,864 |
| Net loans and leases to total assets | 47.3472% | 5,098 |
| Net loans and leases to deposits | 53.1308% | 5,262 |
| Net loans and leases to core deposits | 53.6277% | 5,386 |
| Total domestic deposits to total assets | 89.1145% | 1,193 |
| Equity capital to assets | 9.7293% | 4,463 |
| Core capital (leverage) ratio | 10.3156% | 3,197 |
| Tier 1 risk-based capital ratio | 19.1945% | 1,817 |
| Total risk-based capital ratio | 20.2241% | 1,840 |
| Memoranda: | ||
| Average total assets | $150,815,000 | 3,637 |
| Average earning assets | $142,650,000 | 3,582 |
| Average equity | $14,445,000 | 4,004 |
| Average total loans | $73,596,500 | 4,090 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8017% | 6,202 |
| Cost of funding earning assets | 0.2835% | 4,973 |
| Net interest margin | 2.5182% | 6,137 |
| Noninterest income to average assets | 0.5569% | 3,136 |
| Noninterest expense to average assets | 2.0104% | 5,743 |
| Loan and lease loss provision to assets | 0.2316% | 1,047 |
| Net operating income to assets | 0.6938% | 3,927 |
| Return on assets (ROA) | 0.7102% | 3,952 |
| Pretax return on assets | 0.7195% | 4,559 |
| Return on Equity (ROE) | 7.3995% | 3,415 |
| Retained earnings to average equity (ytd only) | 0.4841% | 5,560 |
| Net charge-offs to loans | 0.3263% | 1,350 |
| Credit loss provision to net charge-offs | 147.2574% | 1,633 |
| Earnings coverage of net charge-offs (x) | 5.9409% | 3,311 |
| Efficiency ratio | 68.2668% | 3,854 |
| Assets per employee ($millions) | 5.3577% | 1,900 |
| Cash dividends to net income (ytd only)* | 93.4579% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 3,561 |
| Loan loss allowance to noncurrent loans | 182.0268% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 4,659 |
| Noncurrent loans to loans | 0.7015% | 3,577 |
| Net loans and leases to total assets | 49.0661% | 5,060 |
| Net loans and leases to deposits | 54.8835% | 5,259 |
| Net loans and leases to core deposits | 55.6108% | 5,406 |
| Total domestic deposits to total assets | 89.4005% | 1,017 |
| Equity capital to assets | 9.4250% | 4,813 |
| Core capital (leverage) ratio | 10.3272% | 3,135 |
| Tier 1 risk-based capital ratio | 18.4363% | 2,005 |
| Total risk-based capital ratio | 19.5666% | 2,009 |
| Memoranda: | ||
| Average total assets | $150,664,600 | 3,624 |
| Average earning assets | $142,877,400 | 3,556 |
| Average equity | $14,460,400 | 3,946 |
| Average total loans | $72,624,800 | 4,106 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7824% | 6,290 |
| Cost of funding earning assets | 0.2878% | 5,012 |
| Net interest margin | 2.4946% | 6,231 |
| Noninterest income to average assets | 0.4924% | 3,596 |
| Noninterest expense to average assets | 2.0526% | 5,671 |
| Loan and lease loss provision to assets | 0.1087% | 2,224 |
| Net operating income to assets | 0.6897% | 3,998 |
| Return on assets (ROA) | 0.7116% | 3,983 |
| Pretax return on assets | 0.7205% | 4,632 |
| Return on Equity (ROE) | 7.3814% | 3,507 |
| Retained earnings to average equity (ytd only) | 7.3814% | 1,633 |
| Net charge-offs to loans | 0.1682% | 2,118 |
| Credit loss provision to net charge-offs | 135.1648% | 1,724 |
| Earnings coverage of net charge-offs (x) | 10.0330% | 2,592 |
| Efficiency ratio | 71.7774% | 3,224 |
| Assets per employee ($millions) | 5.5450% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 4,136 |
| Loan loss allowance to noncurrent loans | 225.3230% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 5,210 |
| Noncurrent loans to loans | 0.5403% | 4,313 |
| Net loans and leases to total assets | 47.2605% | 5,274 |
| Net loans and leases to deposits | 53.1357% | 5,449 |
| Net loans and leases to core deposits | 53.8478% | 5,575 |
| Total domestic deposits to total assets | 88.9430% | 1,271 |
| Equity capital to assets | 9.9182% | 4,272 |
| Core capital (leverage) ratio | 10.7714% | 2,726 |
| Tier 1 risk-based capital ratio | 20.0493% | 1,660 |
| Total risk-based capital ratio | 21.1244% | 1,674 |
| Memoranda: | ||
| Average total assets | $150,826,750 | 3,646 |
| Average earning assets | $143,133,500 | 3,590 |
| Average equity | $14,540,750 | 3,945 |
| Average total loans | $72,141,250 | 4,152 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7383% | 6,375 |
| Cost of funding earning assets | 0.2868% | 5,112 |
| Net interest margin | 2.4515% | 6,319 |
| Noninterest income to average assets | 0.4683% | 3,734 |
| Noninterest expense to average assets | 2.0649% | 5,699 |
| Loan and lease loss provision to assets | 0.0132% | 3,993 |
| Net operating income to assets | 0.7107% | 3,779 |
| Return on assets (ROA) | 0.7513% | 3,662 |
| Pretax return on assets | 0.7606% | 4,415 |
| Return on Equity (ROE) | 7.8681% | 3,179 |
| Retained earnings to average equity (ytd only) | 7.8681% | 1,378 |
| Net charge-offs to loans | 0.1079% | 2,596 |
| Credit loss provision to net charge-offs | 25.6410% | 3,110 |
| Earnings coverage of net charge-offs (x) | 14.2051% | 1,922 |
| Efficiency ratio | 73.8061% | 3,007 |
| Assets per employee ($millions) | 5.6292% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 4,771 |
| Loan loss allowance to noncurrent loans | 389.9038% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 5,741 |
| Noncurrent loans to loans | 0.2896% | 5,152 |
| Net loans and leases to total assets | 46.7264% | 5,296 |
| Net loans and leases to deposits | 52.3778% | 5,475 |
| Net loans and leases to core deposits | 53.0503% | 5,610 |
| Total domestic deposits to total assets | 89.2104% | 1,241 |
| Equity capital to assets | 9.6915% | 4,500 |
| Core capital (leverage) ratio | 10.4724% | 2,980 |
| Tier 1 risk-based capital ratio | 19.9299% | 1,704 |
| Total risk-based capital ratio | 20.9385% | 1,731 |
| Memoranda: | ||
| Average total assets | $151,197,330 | 3,661 |
| Average earning assets | $143,667,000 | 3,600 |
| Average equity | $14,438,000 | 3,959 |
| Average total loans | $72,312,330 | 4,154 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6646% | 6,491 |
| Cost of funding earning assets | 0.2902% | 5,168 |
| Net interest margin | 2.3744% | 6,434 |
| Noninterest income to average assets | 0.4668% | 3,657 |
| Noninterest expense to average assets | 2.0742% | 5,728 |
| Loan and lease loss provision to assets | 0.0265% | 3,486 |
| Net operating income to assets | 0.6127% | 4,139 |
| Return on assets (ROA) | 0.6127% | 4,216 |
| Pretax return on assets | 0.6233% | 4,751 |
| Return on Equity (ROE) | 6.4652% | 3,772 |
| Retained earnings to average equity (ytd only) | 6.4652% | 2,310 |
| Net charge-offs to loans | 0.0055% | 3,547 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 245.0000% | 200 |
| Efficiency ratio | 76.1441% | 2,774 |
| Assets per employee ($millions) | 5.5135% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 4,660 |
| Loan loss allowance to noncurrent loans | 367.5325% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 5,791 |
| Noncurrent loans to loans | 0.3248% | 5,132 |
| Net loans and leases to total assets | 45.5237% | 5,384 |
| Net loans and leases to deposits | 50.8752% | 5,534 |
| Net loans and leases to core deposits | 51.5185% | 5,647 |
| Total domestic deposits to total assets | 89.4811% | 1,375 |
| Equity capital to assets | 9.3465% | 4,706 |
| Core capital (leverage) ratio | 10.3317% | 3,140 |
| Tier 1 risk-based capital ratio | 19.2777% | 1,883 |
| Total risk-based capital ratio | 20.3209% | 1,908 |
| Memoranda: | ||
| Average total assets | $150,801,500 | 3,695 |
| Average earning assets | $143,360,500 | 3,631 |
| Average equity | $14,292,000 | 3,989 |
| Average total loans | $72,553,500 | 4,181 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7753% | 6,508 |
| Cost of funding earning assets | 0.3347% | 5,286 |
| Net interest margin | 2.4405% | 6,415 |
| Noninterest income to average assets | 0.5413% | 3,464 |
| Noninterest expense to average assets | 2.0483% | 5,925 |
| Loan and lease loss provision to assets | 0.0402% | 4,315 |
| Net operating income to assets | 0.7673% | 3,455 |
| Return on assets (ROA) | 0.7706% | 3,532 |
| Pretax return on assets | 0.7740% | 4,245 |
| Return on Equity (ROE) | 8.2186% | 2,916 |
| Retained earnings to average equity (ytd only) | 0.6295% | 5,551 |
| Net charge-offs to loans | 0.0866% | 3,993 |
| Credit loss provision to net charge-offs | 96.7742% | 2,580 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,600 |
| Efficiency ratio | 71.6397% | 3,548 |
| Assets per employee ($millions) | 5.4527% | 1,695 |
| Cash dividends to net income (ytd only)* | 92.3412% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 4,967 |
| Loan loss allowance to noncurrent loans | 309.9631% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 5,762 |
| Noncurrent loans to loans | 0.3663% | 5,089 |
| Net loans and leases to total assets | 49.6787% | 5,122 |
| Net loans and leases to deposits | 55.7313% | 5,328 |
| Net loans and leases to core deposits | 56.2547% | 5,515 |
| Total domestic deposits to total assets | 89.1397% | 1,526 |
| Equity capital to assets | 9.6146% | 4,269 |
| Core capital (leverage) ratio | 10.5590% | 2,837 |
| Tier 1 risk-based capital ratio | 18.4484% | 2,096 |
| Total risk-based capital ratio | 19.4510% | 2,142 |
| Memoranda: | ||
| Average total assets | $149,096,400 | 3,720 |
| Average earning assets | $141,607,800 | 3,642 |
| Average equity | $13,980,400 | 4,076 |
| Average total loans | $71,609,000 | 4,200 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7562% | 6,599 |
| Cost of funding earning assets | 0.3425% | 5,363 |
| Net interest margin | 2.4137% | 6,505 |
| Noninterest income to average assets | 0.4841% | 3,905 |
| Noninterest expense to average assets | 2.0022% | 6,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7711% | 3,505 |
| Return on assets (ROA) | 0.7756% | 3,611 |
| Pretax return on assets | 0.7791% | 4,381 |
| Return on Equity (ROE) | 8.3231% | 2,962 |
| Retained earnings to average equity (ytd only) | 8.3231% | 1,283 |
| Net charge-offs to loans | 0.0638% | 4,002 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 25.5601% | 1,383 |
| Efficiency ratio | 72.1027% | 3,385 |
| Assets per employee ($millions) | 5.6251% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 5,268 |
| Loan loss allowance to noncurrent loans | 446.4088% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 6,055 |
| Noncurrent loans to loans | 0.2500% | 5,601 |
| Net loans and leases to total assets | 48.9481% | 5,252 |
| Net loans and leases to deposits | 55.2760% | 5,437 |
| Net loans and leases to core deposits | 55.8004% | 5,641 |
| Total domestic deposits to total assets | 88.5520% | 1,817 |
| Equity capital to assets | 9.7858% | 4,205 |
| Core capital (leverage) ratio | 11.0681% | 2,414 |
| Tier 1 risk-based capital ratio | 19.7950% | 1,786 |
| Total risk-based capital ratio | 20.7799% | 1,821 |
| Memoranda: | ||
| Average total assets | $149,564,500 | 3,752 |
| Average earning assets | $142,073,500 | 3,670 |
| Average equity | $13,936,750 | 4,127 |
| Average total loans | $71,016,500 | 4,261 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7307% | 6,647 |
| Cost of funding earning assets | 0.3476% | 5,430 |
| Net interest margin | 2.3830% | 6,568 |
| Noninterest income to average assets | 0.4566% | 4,118 |
| Noninterest expense to average assets | 1.9659% | 6,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7526% | 3,555 |
| Return on assets (ROA) | 0.7526% | 3,708 |
| Pretax return on assets | 0.7566% | 4,482 |
| Return on Equity (ROE) | 8.2104% | 2,983 |
| Retained earnings to average equity (ytd only) | 8.2104% | 1,399 |
| Net charge-offs to loans | 0.0794% | 3,582 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 20.3571% | 1,469 |
| Efficiency ratio | 72.2087% | 3,436 |
| Assets per employee ($millions) | 5.4858% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 5,172 |
| Loan loss allowance to noncurrent loans | 349.3562% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 6,024 |
| Noncurrent loans to loans | 0.3337% | 5,462 |
| Net loans and leases to total assets | 46.5925% | 5,467 |
| Net loans and leases to deposits | 52.3215% | 5,661 |
| Net loans and leases to core deposits | 52.9388% | 5,821 |
| Total domestic deposits to total assets | 89.0505% | 1,604 |
| Equity capital to assets | 9.3359% | 4,805 |
| Core capital (leverage) ratio | 10.7582% | 2,609 |
| Tier 1 risk-based capital ratio | 20.1563% | 1,690 |
| Total risk-based capital ratio | 21.1860% | 1,700 |
| Memoranda: | ||
| Average total assets | $150,668,330 | 3,756 |
| Average earning assets | $143,262,330 | 3,673 |
| Average equity | $13,811,670 | 4,189 |
| Average total loans | $70,556,670 | 4,295 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6835% | 6,739 |
| Cost of funding earning assets | 0.3541% | 5,489 |
| Net interest margin | 2.3294% | 6,668 |
| Noninterest income to average assets | 0.4581% | 4,067 |
| Noninterest expense to average assets | 1.9955% | 6,115 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6766% | 3,802 |
| Return on assets (ROA) | 0.6766% | 3,960 |
| Pretax return on assets | 0.6792% | 4,662 |
| Return on Equity (ROE) | 7.4474% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.4474% | 1,966 |
| Net charge-offs to loans | 0.1184% | 2,716 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 12.2857% | 1,610 |
| Efficiency ratio | 74.6063% | 3,156 |
| Assets per employee ($millions) | 5.7276% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 5,241 |
| Loan loss allowance to noncurrent loans | 1,865.9091% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 6,526 |
| Noncurrent loans to loans | 0.0636% | 6,290 |
| Net loans and leases to total assets | 44.2391% | 5,633 |
| Net loans and leases to deposits | 49.4332% | 5,827 |
| Net loans and leases to core deposits | 49.9872% | 5,977 |
| Total domestic deposits to total assets | 89.4928% | 1,358 |
| Equity capital to assets | 8.9999% | 5,484 |
| Core capital (leverage) ratio | 10.3529% | 2,963 |
| Tier 1 risk-based capital ratio | 19.9159% | 1,797 |
| Total risk-based capital ratio | 20.9623% | 1,820 |
| Memoranda: | ||
| Average total assets | $151,944,500 | 3,774 |
| Average earning assets | $144,589,000 | 3,679 |
| Average equity | $13,803,500 | 4,231 |
| Average total loans | $70,922,500 | 4,312 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1421% | 6,694 |
| Cost of funding earning assets | 0.4678% | 5,434 |
| Net interest margin | 2.6743% | 6,556 |
| Noninterest income to average assets | 0.6204% | 3,161 |
| Noninterest expense to average assets | 2.1772% | 5,972 |
| Loan and lease loss provision to assets | 0.0682% | 4,899 |
| Net operating income to assets | 0.9042% | 2,792 |
| Return on assets (ROA) | 0.8975% | 3,070 |
| Pretax return on assets | 0.9043% | 3,901 |
| Return on Equity (ROE) | 9.1686% | 2,548 |
| Retained earnings to average equity (ytd only) | 0.5648% | 5,568 |
| Net charge-offs to loans | 0.5235% | 2,158 |
| Credit loss provision to net charge-offs | 26.8097% | 5,176 |
| Earnings coverage of net charge-offs (x) | 3.8472% | 3,571 |
| Efficiency ratio | 68.3243% | 4,083 |
| Assets per employee ($millions) | 5.5275% | 1,663 |
| Cash dividends to net income (ytd only)* | 93.8403% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 5,303 |
| Loan loss allowance to noncurrent loans | 601.4286% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 6,356 |
| Noncurrent loans to loans | 0.1928% | 5,982 |
| Net loans and leases to total assets | 48.0880% | 5,407 |
| Net loans and leases to deposits | 54.1658% | 5,637 |
| Net loans and leases to core deposits | 54.7789% | 5,817 |
| Total domestic deposits to total assets | 88.7794% | 1,712 |
| Equity capital to assets | 9.1723% | 5,308 |
| Core capital (leverage) ratio | 10.3056% | 3,006 |
| Tier 1 risk-based capital ratio | 18.9234% | 1,980 |
| Total risk-based capital ratio | 19.9601% | 2,009 |
| Memoranda: | ||
| Average total assets | $146,521,000 | 3,834 |
| Average earning assets | $138,950,000 | 3,743 |
| Average equity | $14,342,400 | 4,096 |
| Average total loans | $71,255,000 | 4,310 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1247% | 6,840 |
| Cost of funding earning assets | 0.4872% | 5,524 |
| Net interest margin | 2.6375% | 6,719 |
| Noninterest income to average assets | 0.5778% | 3,424 |
| Noninterest expense to average assets | 2.1329% | 6,106 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9389% | 2,802 |
| Return on assets (ROA) | 0.9389% | 3,024 |
| Pretax return on assets | 0.9444% | 3,942 |
| Return on Equity (ROE) | 9.4397% | 2,619 |
| Retained earnings to average equity (ytd only) | 9.4397% | 1,082 |
| Net charge-offs to loans | 0.6374% | 1,727 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.0472% | 3,814 |
| Efficiency ratio | 68.4195% | 3,977 |
| Assets per employee ($millions) | 5.2586% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 5,508 |
| Loan loss allowance to noncurrent loans | 196.9543% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 6,032 |
| Noncurrent loans to loans | 0.5848% | 5,271 |
| Net loans and leases to total assets | 45.2309% | 5,848 |
| Net loans and leases to deposits | 51.4008% | 6,016 |
| Net loans and leases to core deposits | 51.9960% | 6,179 |
| Total domestic deposits to total assets | 87.9965% | 2,047 |
| Equity capital to assets | 10.1841% | 4,228 |
| Core capital (leverage) ratio | 11.1212% | 2,281 |
| Tier 1 risk-based capital ratio | 21.4709% | 1,427 |
| Total risk-based capital ratio | 22.4922% | 1,439 |
| Memoranda: | ||
| Average total assets | $145,840,500 | 3,882 |
| Average earning assets | $138,208,500 | 3,787 |
| Average equity | $14,505,750 | 4,104 |
| Average total loans | $70,916,250 | 4,368 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1577% | 6,905 |
| Cost of funding earning assets | 0.5007% | 5,614 |
| Net interest margin | 2.6571% | 6,766 |
| Noninterest income to average assets | 0.5696% | 3,451 |
| Noninterest expense to average assets | 2.1668% | 6,088 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9163% | 2,828 |
| Return on assets (ROA) | 0.9163% | 3,090 |
| Pretax return on assets | 0.9218% | 3,998 |
| Return on Equity (ROE) | 9.2870% | 2,673 |
| Retained earnings to average equity (ytd only) | 9.2870% | 1,179 |
| Net charge-offs to loans | 0.3357% | 2,677 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.5372% | 2,813 |
| Efficiency ratio | 68.8196% | 3,972 |
| Assets per employee ($millions) | 5.3479% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 4,478 |
| Loan loss allowance to noncurrent loans | 277.6536% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 6,171 |
| Noncurrent loans to loans | 0.5036% | 5,528 |
| Net loans and leases to total assets | 46.8118% | 5,742 |
| Net loans and leases to deposits | 52.9146% | 5,962 |
| Net loans and leases to core deposits | 53.4101% | 6,133 |
| Total domestic deposits to total assets | 88.4667% | 1,842 |
| Equity capital to assets | 9.7736% | 4,663 |
| Core capital (leverage) ratio | 10.9732% | 2,326 |
| Tier 1 risk-based capital ratio | 20.5887% | 1,553 |
| Total risk-based capital ratio | 21.8392% | 1,538 |
| Memoranda: | ||
| Average total assets | $145,374,000 | 3,914 |
| Average earning assets | $137,820,670 | 3,813 |
| Average equity | $14,342,670 | 4,129 |
| Average total loans | $72,097,000 | 4,346 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2337% | 6,927 |
| Cost of funding earning assets | 0.5247% | 5,646 |
| Net interest margin | 2.7090% | 6,757 |
| Noninterest income to average assets | 0.6313% | 3,049 |
| Noninterest expense to average assets | 2.2627% | 5,872 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9274% | 2,801 |
| Return on assets (ROA) | 0.9274% | 3,004 |
| Pretax return on assets | 0.9358% | 3,912 |
| Return on Equity (ROE) | 9.3544% | 2,655 |
| Retained earnings to average equity (ytd only) | 9.3544% | 1,457 |
| Net charge-offs to loans | 0.0661% | 3,829 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 27.9167% | 981 |
| Efficiency ratio | 68.1223% | 4,147 |
| Assets per employee ($millions) | 5.3077% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 3,751 |
| Loan loss allowance to noncurrent loans | 4,085.1852% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 6,867 |
| Noncurrent loans to loans | 0.0390% | 6,659 |
| Net loans and leases to total assets | 45.8070% | 5,803 |
| Net loans and leases to deposits | 51.7059% | 6,001 |
| Net loans and leases to core deposits | 52.1955% | 6,189 |
| Total domestic deposits to total assets | 88.5913% | 1,960 |
| Equity capital to assets | 9.6558% | 4,579 |
| Core capital (leverage) ratio | 10.8422% | 2,397 |
| Tier 1 risk-based capital ratio | 20.5235% | 1,584 |
| Total risk-based capital ratio | 21.7756% | 1,559 |
| Memoranda: | ||
| Average total assets | $143,191,000 | 3,989 |
| Average earning assets | $135,695,500 | 3,886 |
| Average equity | $14,196,500 | 4,163 |
| Average total loans | $72,600,500 | 4,360 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6706% | 6,880 |
| Cost of funding earning assets | 0.6440% | 5,858 |
| Net interest margin | 3.0265% | 6,489 |
| Noninterest income to average assets | 0.6335% | 2,987 |
| Noninterest expense to average assets | 2.4559% | 5,618 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5726% | 4,133 |
| Return on assets (ROA) | 0.5726% | 4,319 |
| Pretax return on assets | 1.0300% | 3,120 |
| Return on Equity (ROE) | 5.4820% | 4,143 |
| Retained earnings to average equity (ytd only) | -1.9667% | 6,151 |
| Net charge-offs to loans | 0.0432% | 5,872 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 44.9688% | 609 |
| Efficiency ratio | 65.5236% | 4,860 |
| Assets per employee ($millions) | 4.7506% | 2,514 |
| Cash dividends to net income (ytd only)* | 135.8750% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 4,163 |
| Loan loss allowance to noncurrent loans | 1,615.9420% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 6,834 |
| Noncurrent loans to loans | 0.0908% | 6,584 |
| Net loans and leases to total assets | 54.3722% | 4,982 |
| Net loans and leases to deposits | 62.0178% | 5,241 |
| Net loans and leases to core deposits | 62.6559% | 5,581 |
| Total domestic deposits to total assets | 87.6719% | 2,356 |
| Equity capital to assets | 10.1933% | 3,915 |
| Core capital (leverage) ratio | 10.8178% | 2,424 |
| Tier 1 risk-based capital ratio | 18.7821% | 1,961 |
| Total risk-based capital ratio | 20.0340% | 1,919 |
| Memoranda: | ||
| Average total assets | $139,706,200 | 3,982 |
| Average earning assets | $131,669,200 | 3,900 |
| Average equity | $14,593,200 | 3,991 |
| Average total loans | $74,049,600 | 4,347 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7048% | 6,930 |
| Cost of funding earning assets | 0.6575% | 5,999 |
| Net interest margin | 3.0473% | 6,499 |
| Noninterest income to average assets | 0.5887% | 3,243 |
| Noninterest expense to average assets | 2.4052% | 5,753 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4499% | 4,781 |
| Return on assets (ROA) | 0.4499% | 4,969 |
| Pretax return on assets | 1.0528% | 3,197 |
| Return on Equity (ROE) | 4.2812% | 4,875 |
| Retained earnings to average equity (ytd only) | 4.2812% | 3,683 |
| Net charge-offs to loans | 0.0671% | 5,290 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 29.9201% | 937 |
| Efficiency ratio | 64.6040% | 4,965 |
| Assets per employee ($millions) | 4.7560% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 4,010 |
| Loan loss allowance to noncurrent loans | 1,353.6585% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 6,866 |
| Noncurrent loans to loans | 0.1123% | 6,650 |
| Net loans and leases to total assets | 52.1399% | 5,428 |
| Net loans and leases to deposits | 59.8515% | 5,648 |
| Net loans and leases to core deposits | 60.4660% | 5,947 |
| Total domestic deposits to total assets | 87.1155% | 2,578 |
| Equity capital to assets | 10.9204% | 3,221 |
| Core capital (leverage) ratio | 11.1833% | 2,248 |
| Tier 1 risk-based capital ratio | 20.3754% | 1,596 |
| Total risk-based capital ratio | 21.6275% | 1,565 |
| Memoranda: | ||
| Average total assets | $140,191,000 | 3,993 |
| Average earning assets | $132,004,500 | 3,917 |
| Average equity | $14,730,750 | 3,976 |
| Average total loans | $73,556,500 | 4,400 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6956% | 7,020 |
| Cost of funding earning assets | 0.6617% | 6,164 |
| Net interest margin | 3.0340% | 6,541 |
| Noninterest income to average assets | 0.5775% | 3,284 |
| Noninterest expense to average assets | 2.4548% | 5,685 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0851% | 6,051 |
| Return on assets (ROA) | 0.0851% | 6,129 |
| Pretax return on assets | 0.9791% | 3,320 |
| Return on Equity (ROE) | 0.8208% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.8208% | 5,536 |
| Net charge-offs to loans | 0.0922% | 4,751 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 20.2941% | 1,192 |
| Efficiency ratio | 66.5289% | 4,765 |
| Assets per employee ($millions) | 4.7069% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 4,021 |
| Loan loss allowance to noncurrent loans | 6,552.9412% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 7,028 |
| Noncurrent loans to loans | 0.0232% | 6,937 |
| Net loans and leases to total assets | 51.0042% | 5,692 |
| Net loans and leases to deposits | 58.1401% | 5,922 |
| Net loans and leases to core deposits | 58.6791% | 6,218 |
| Total domestic deposits to total assets | 87.7264% | 2,327 |
| Equity capital to assets | 10.3926% | 3,640 |
| Core capital (leverage) ratio | 10.6674% | 2,553 |
| Tier 1 risk-based capital ratio | 20.0256% | 1,604 |
| Total risk-based capital ratio | 21.2782% | 1,579 |
| Memoranda: | ||
| Average total assets | $140,946,330 | 4,011 |
| Average earning assets | $132,696,670 | 3,930 |
| Average equity | $14,620,330 | 3,978 |
| Average total loans | $73,734,000 | 4,435 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6856% | 7,079 |
| Cost of funding earning assets | 0.6435% | 6,407 |
| Net interest margin | 3.0422% | 6,483 |
| Noninterest income to average assets | 0.5624% | 3,419 |
| Noninterest expense to average assets | 2.4372% | 5,776 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.7954% | 6,959 |
| Return on assets (ROA) | -0.7954% | 6,966 |
| Pretax return on assets | 0.9857% | 3,177 |
| Return on Equity (ROE) | -7.6749% | 6,945 |
| Retained earnings to average equity (ytd only) | -7.6749% | 6,728 |
| Net charge-offs to loans | 0.2107% | 3,251 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 8.8974% | 1,778 |
| Efficiency ratio | 66.2241% | 4,997 |
| Assets per employee ($millions) | 4.8168% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 4,153 |
| Loan loss allowance to noncurrent loans | 3,820.6897% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 7,064 |
| Noncurrent loans to loans | 0.0396% | 6,950 |
| Net loans and leases to total assets | 49.9633% | 5,855 |
| Net loans and leases to deposits | 56.5544% | 6,080 |
| Net loans and leases to core deposits | 57.0630% | 6,338 |
| Total domestic deposits to total assets | 88.3457% | 2,171 |
| Equity capital to assets | 9.8475% | 3,967 |
| Core capital (leverage) ratio | 10.3449% | 2,764 |
| Tier 1 risk-based capital ratio | 19.2360% | 1,744 |
| Total risk-based capital ratio | 20.4877% | 1,714 |
| Memoranda: | ||
| Average total assets | $140,816,500 | 4,049 |
| Average earning assets | $132,406,000 | 3,967 |
| Average equity | $14,593,000 | 3,975 |
| Average total loans | $74,033,500 | 4,462 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3236% | 6,743 |
| Cost of funding earning assets | 1.0206% | 5,587 |
| Net interest margin | 3.3030% | 5,966 |
| Noninterest income to average assets | 0.6091% | 3,411 |
| Noninterest expense to average assets | 2.6621% | 5,166 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7623% | 2,946 |
| Return on assets (ROA) | 0.7623% | 3,070 |
| Pretax return on assets | 1.0272% | 2,846 |
| Return on Equity (ROE) | 6.6310% | 3,293 |
| Retained earnings to average equity (ytd only) | 0.3541% | 5,400 |
| Net charge-offs to loans | -0.0267% | 7,391 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3420% | 4,696 |
| Assets per employee ($millions) | 4.7286% | 2,523 |
| Cash dividends to net income (ytd only)* | 94.6602% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 3,846 |
| Loan loss allowance to noncurrent loans | 407.8292% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 6,711 |
| Noncurrent loans to loans | 0.3759% | 6,301 |
| Net loans and leases to total assets | 53.6823% | 5,678 |
| Net loans and leases to deposits | 61.6187% | 5,884 |
| Net loans and leases to core deposits | 62.3441% | 6,210 |
| Total domestic deposits to total assets | 87.1202% | 2,756 |
| Equity capital to assets | 10.9065% | 2,769 |
| Core capital (leverage) ratio | 11.1265% | 2,068 |
| Tier 1 risk-based capital ratio | 19.0277% | 1,715 |
| Total risk-based capital ratio | 20.2797% | 1,681 |
| Memoranda: | ||
| Average total assets | $135,121,400 | 4,153 |
| Average earning assets | $126,004,800 | 4,103 |
| Average equity | $15,533,200 | 3,859 |
| Average total loans | $74,903,800 | 4,487 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4228% | 6,781 |
| Cost of funding earning assets | 1.0762% | 5,565 |
| Net interest margin | 3.3466% | 5,856 |
| Noninterest income to average assets | 0.5735% | 3,628 |
| Noninterest expense to average assets | 2.6811% | 4,958 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7597% | 3,180 |
| Return on assets (ROA) | 0.7597% | 3,336 |
| Pretax return on assets | 1.0122% | 3,138 |
| Return on Equity (ROE) | 6.5230% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.5230% | 2,077 |
| Net charge-offs to loans | -0.0142% | 7,308 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7662% | 4,514 |
| Assets per employee ($millions) | 4.5833% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 3,799 |
| Loan loss allowance to noncurrent loans | 466.6667% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 6,901 |
| Noncurrent loans to loans | 0.3291% | 6,534 |
| Net loans and leases to total assets | 54.7018% | 5,745 |
| Net loans and leases to deposits | 63.4019% | 5,983 |
| Net loans and leases to core deposits | 64.6104% | 6,245 |
| Total domestic deposits to total assets | 86.2779% | 2,932 |
| Equity capital to assets | 12.0225% | 2,147 |
| Core capital (leverage) ratio | 11.5909% | 1,881 |
| Tier 1 risk-based capital ratio | 20.3796% | 1,467 |
| Total risk-based capital ratio | 21.6319% | 1,445 |
| Memoranda: | ||
| Average total assets | $134,619,500 | 4,220 |
| Average earning assets | $125,499,000 | 4,170 |
| Average equity | $15,677,500 | 3,862 |
| Average total loans | $74,939,750 | 4,565 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4347% | 6,829 |
| Cost of funding earning assets | 1.1329% | 5,496 |
| Net interest margin | 3.3018% | 6,013 |
| Noninterest income to average assets | 0.5548% | 3,666 |
| Noninterest expense to average assets | 2.5491% | 5,525 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8063% | 2,939 |
| Return on assets (ROA) | 0.8063% | 3,086 |
| Pretax return on assets | 1.0844% | 2,830 |
| Return on Equity (ROE) | 6.9976% | 3,302 |
| Retained earnings to average equity (ytd only) | 6.9976% | 1,830 |
| Net charge-offs to loans | -0.0425% | 7,420 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2687% | 5,111 |
| Assets per employee ($millions) | 4.5875% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 3,751 |
| Loan loss allowance to noncurrent loans | 6,010.5263% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 7,375 |
| Noncurrent loans to loans | 0.0255% | 7,260 |
| Net loans and leases to total assets | 53.2897% | 6,078 |
| Net loans and leases to deposits | 61.4269% | 6,279 |
| Net loans and leases to core deposits | 62.5437% | 6,508 |
| Total domestic deposits to total assets | 86.7531% | 2,673 |
| Equity capital to assets | 11.4725% | 2,469 |
| Core capital (leverage) ratio | 11.3779% | 1,988 |
| Tier 1 risk-based capital ratio | 19.9602% | 1,525 |
| Total risk-based capital ratio | 21.2127% | 1,486 |
| Memoranda: | ||
| Average total assets | $135,187,000 | 4,235 |
| Average earning assets | $126,051,000 | 4,181 |
| Average equity | $15,576,670 | 3,877 |
| Average total loans | $75,305,670 | 4,592 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5258% | 6,739 |
| Cost of funding earning assets | 1.1347% | 5,737 |
| Net interest margin | 3.3911% | 5,614 |
| Noninterest income to average assets | 0.5404% | 3,724 |
| Noninterest expense to average assets | 2.4991% | 5,736 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8838% | 2,617 |
| Return on assets (ROA) | 0.8838% | 2,688 |
| Pretax return on assets | 1.2003% | 2,358 |
| Return on Equity (ROE) | 7.6533% | 3,046 |
| Retained earnings to average equity (ytd only) | 7.6533% | 1,858 |
| Net charge-offs to loans | -0.1268% | 7,566 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7119% | 5,705 |
| Assets per employee ($millions) | 4.4982% | 2,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5318% | 3,739 |
| Loan loss allowance to noncurrent loans | 1,920.0000% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 7,380 |
| Noncurrent loans to loans | 0.0798% | 7,191 |
| Net loans and leases to total assets | 54.8771% | 5,909 |
| Net loans and leases to deposits | 63.3403% | 6,130 |
| Net loans and leases to core deposits | 64.9639% | 6,378 |
| Total domestic deposits to total assets | 86.6385% | 2,823 |
| Equity capital to assets | 11.5223% | 2,343 |
| Core capital (leverage) ratio | 11.3556% | 1,998 |
| Tier 1 risk-based capital ratio | 19.4141% | 1,635 |
| Total risk-based capital ratio | 20.6670% | 1,614 |
| Memoranda: | ||
| Average total assets | $133,968,000 | 4,325 |
| Average earning assets | $124,796,000 | 4,263 |
| Average equity | $15,470,500 | 3,931 |
| Average total loans | $75,717,500 | 4,644 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9830% | 6,491 |
| Cost of funding earning assets | 1.3703% | 6,055 |
| Net interest margin | 3.6127% | 4,507 |
| Noninterest income to average assets | 0.5675% | 3,886 |
| Noninterest expense to average assets | 2.7075% | 5,355 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8689% | 2,284 |
| Return on assets (ROA) | 0.8689% | 2,349 |
| Pretax return on assets | 1.1993% | 1,957 |
| Return on Equity (ROE) | 7.1966% | 2,712 |
| Retained earnings to average equity (ytd only) | 0.3674% | 4,700 |
| Net charge-offs to loans | 0.0987% | 6,146 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 21.1892% | 1,008 |
| Efficiency ratio | 64.6045% | 5,659 |
| Assets per employee ($millions) | 4.4330% | 3,046 |
| Cash dividends to net income (ytd only)* | 94.8944% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4771% | 3,849 |
| Loan loss allowance to noncurrent loans | 915.4472% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 7,265 |
| Noncurrent loans to loans | 0.1614% | 7,022 |
| Net loans and leases to total assets | 56.4723% | 5,893 |
| Net loans and leases to deposits | 65.2601% | 6,137 |
| Net loans and leases to core deposits | 75.0022% | 6,469 |
| Total domestic deposits to total assets | 86.5342% | 2,740 |
| Equity capital to assets | 11.5739% | 2,265 |
| Core capital (leverage) ratio | 11.2467% | 2,077 |
| Tier 1 risk-based capital ratio | 17.9482% | 1,909 |
| Total risk-based capital ratio | 19.1996% | 1,869 |
| Memoranda: | ||
| Average total assets | $130,745,800 | 4,319 |
| Average earning assets | $120,850,600 | 4,293 |
| Average equity | $15,785,200 | 3,904 |
| Average total loans | $74,983,200 | 4,687 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0527% | 6,442 |
| Cost of funding earning assets | 1.4108% | 6,182 |
| Net interest margin | 3.6419% | 4,315 |
| Noninterest income to average assets | 0.5377% | 4,175 |
| Noninterest expense to average assets | 2.6720% | 5,447 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9054% | 2,405 |
| Return on assets (ROA) | 0.9054% | 2,474 |
| Pretax return on assets | 1.2259% | 2,178 |
| Return on Equity (ROE) | 7.4205% | 2,899 |
| Retained earnings to average equity (ytd only) | 7.4205% | 1,341 |
| Net charge-offs to loans | 0.1553% | 5,156 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 13.7583% | 1,654 |
| Efficiency ratio | 63.8203% | 5,789 |
| Assets per employee ($millions) | 4.3537% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4815% | 3,538 |
| Loan loss allowance to noncurrent loans | 515.7407% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 7,120 |
| Noncurrent loans to loans | 0.2873% | 6,793 |
| Net loans and leases to total assets | 56.7176% | 6,064 |
| Net loans and leases to deposits | 66.4138% | 6,270 |
| Net loans and leases to core deposits | 76.8361% | 6,567 |
| Total domestic deposits to total assets | 85.4003% | 3,026 |
| Equity capital to assets | 12.4958% | 1,955 |
| Core capital (leverage) ratio | 11.8588% | 1,857 |
| Tier 1 risk-based capital ratio | 19.3499% | 1,674 |
| Total risk-based capital ratio | 20.6016% | 1,638 |
| Memoranda: | ||
| Average total assets | $130,185,000 | 4,370 |
| Average earning assets | $120,118,250 | 4,345 |
| Average equity | $15,883,500 | 3,931 |
| Average total loans | $74,672,000 | 4,748 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1080% | 6,404 |
| Cost of funding earning assets | 1.4358% | 6,363 |
| Net interest margin | 3.6722% | 4,077 |
| Noninterest income to average assets | 0.5029% | 4,418 |
| Noninterest expense to average assets | 2.7099% | 5,350 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8720% | 2,567 |
| Return on assets (ROA) | 0.8720% | 2,673 |
| Pretax return on assets | 1.1719% | 2,386 |
| Return on Equity (ROE) | 7.2056% | 3,108 |
| Retained earnings to average equity (ytd only) | 7.2056% | 1,503 |
| Net charge-offs to loans | -0.3222% | 8,075 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0555% | 5,710 |
| Assets per employee ($millions) | 4.2712% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7604% | 2,147 |
| Loan loss allowance to noncurrent loans | 463.8596% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 6,971 |
| Noncurrent loans to loans | 0.3795% | 6,561 |
| Net loans and leases to total assets | 55.7191% | 6,242 |
| Net loans and leases to deposits | 64.8746% | 6,483 |
| Net loans and leases to core deposits | 74.9254% | 6,737 |
| Total domestic deposits to total assets | 85.8875% | 2,844 |
| Equity capital to assets | 12.0636% | 2,166 |
| Core capital (leverage) ratio | 11.7440% | 1,954 |
| Tier 1 risk-based capital ratio | 18.8511% | 1,809 |
| Total risk-based capital ratio | 20.1053% | 1,760 |
| Memoranda: | ||
| Average total assets | $130,042,670 | 4,392 |
| Average earning assets | $119,656,000 | 4,382 |
| Average equity | $15,737,670 | 3,971 |
| Average total loans | $74,498,000 | 4,792 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2722% | 6,018 |
| Cost of funding earning assets | 1.4743% | 6,491 |
| Net interest margin | 3.7979% | 3,448 |
| Noninterest income to average assets | 0.4749% | 4,550 |
| Noninterest expense to average assets | 2.5175% | 5,776 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0306% | 2,190 |
| Return on assets (ROA) | 1.0306% | 2,333 |
| Pretax return on assets | 1.4279% | 1,888 |
| Return on Equity (ROE) | 8.5019% | 2,927 |
| Retained earnings to average equity (ytd only) | 8.5019% | 1,631 |
| Net charge-offs to loans | -0.7817% | 8,141 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0873% | 6,544 |
| Assets per employee ($millions) | 4.1420% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8319% | 1,776 |
| Loan loss allowance to noncurrent loans | 529.9213% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 6,942 |
| Noncurrent loans to loans | 0.3457% | 6,564 |
| Net loans and leases to total assets | 56.1747% | 6,218 |
| Net loans and leases to deposits | 65.6169% | 6,408 |
| Net loans and leases to core deposits | 75.7764% | 6,691 |
| Total domestic deposits to total assets | 85.6101% | 2,917 |
| Equity capital to assets | 12.2731% | 2,095 |
| Core capital (leverage) ratio | 11.8244% | 1,987 |
| Tier 1 risk-based capital ratio | 18.7471% | 1,870 |
| Total risk-based capital ratio | 20.0027% | 1,817 |
| Memoranda: | ||
| Average total assets | $128,860,500 | 4,434 |
| Average earning assets | $117,750,500 | 4,435 |
| Average equity | $15,620,000 | 4,019 |
| Average total loans | $74,198,000 | 4,828 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6745% | 6,854 |
| Cost of funding earning assets | 2.0414% | 6,277 |
| Net interest margin | 3.6332% | 4,741 |
| Noninterest income to average assets | 0.6252% | 3,673 |
| Noninterest expense to average assets | 2.5357% | 5,869 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0248% | 2,456 |
| Return on assets (ROA) | 1.0248% | 2,338 |
| Pretax return on assets | 1.4021% | 1,967 |
| Return on Equity (ROE) | 8.3344% | 2,926 |
| Retained earnings to average equity (ytd only) | 1.2275% | 4,486 |
| Net charge-offs to loans | 0.1983% | 4,210 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 12.5177% | 2,234 |
| Efficiency ratio | 59.5521% | 6,428 |
| Assets per employee ($millions) | 4.1715% | 3,163 |
| Cash dividends to net income (ytd only)* | 85.2713% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 2,230 |
| Loan loss allowance to noncurrent loans | 1,009.2437% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 7,210 |
| Noncurrent loans to loans | 0.1588% | 6,933 |
| Net loans and leases to total assets | 57.0060% | 6,334 |
| Net loans and leases to deposits | 69.1353% | 6,359 |
| Net loans and leases to core deposits | 79.1002% | 6,687 |
| Total domestic deposits to total assets | 82.4557% | 4,017 |
| Equity capital to assets | 11.9713% | 2,306 |
| Core capital (leverage) ratio | 11.0575% | 2,546 |
| Tier 1 risk-based capital ratio | 16.7974% | 2,389 |
| Total risk-based capital ratio | 18.0498% | 2,320 |
| Memoranda: | ||
| Average total assets | $125,882,600 | 4,375 |
| Average earning assets | $114,775,800 | 4,395 |
| Average equity | $15,478,000 | 4,031 |
| Average total loans | $71,114,800 | 4,828 |