Home > PathFinder Bank > Performance and Condition Ratios
PathFinder 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 | 3.8801% | 3,662 |
| Cost of funding earning assets | 0.4528% | 2,553 |
| Net interest margin | 3.4273% | 3,778 |
| Noninterest income to average assets | 0.5420% | 2,857 |
| Noninterest expense to average assets | 2.8621% | 2,841 |
| Loan and lease loss provision to assets | 0.1305% | 1,619 |
| Net operating income to assets | 0.4924% | 4,659 |
| Return on assets (ROA) | 0.5314% | 4,606 |
| Pretax return on assets | 0.7502% | 4,366 |
| Return on Equity (ROE) | 5.2829% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.2829% | 2,773 |
| Net charge-offs to loans | 0.0611% | 1,888 |
| Credit loss provision to net charge-offs | 318.1818% | 817 |
| Earnings coverage of net charge-offs (x) | 20.1667% | 1,476 |
| Efficiency ratio | 77.5101% | 1,968 |
| Assets per employee ($millions) | 5.2334% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 2,670 |
| Loan loss allowance to noncurrent loans | 117.0200% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.8514% | 2,560 |
| Noncurrent loans to loans | 1.1515% | 2,104 |
| Net loans and leases to total assets | 64.4483% | 3,175 |
| Net loans and leases to deposits | 78.1239% | 2,997 |
| Net loans and leases to core deposits | 97.3742% | 1,681 |
| Total domestic deposits to total assets | 82.4950% | 4,070 |
| Equity capital to assets | 9.8366% | 4,293 |
| Core capital (leverage) ratio | 9.7644% | 3,826 |
| Tier 1 risk-based capital ratio | 14.8785% | 3,212 |
| Total risk-based capital ratio | 16.1452% | 3,143 |
| Memoranda: | ||
| Average total assets | $643,584,500 | 1,102 |
| Average earning assets | $591,019,500 | 1,105 |
| Average equity | $64,737,500 | 1,207 |
| Average total loans | $432,328,500 | 1,125 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 3,677 |
| Cost of funding earning assets | 0.4272% | 2,871 |
| Net interest margin | 3.4811% | 3,592 |
| Noninterest income to average assets | 0.5821% | 2,820 |
| Noninterest expense to average assets | 2.8741% | 2,953 |
| Loan and lease loss provision to assets | 0.2253% | 904 |
| Net operating income to assets | 0.5009% | 4,694 |
| Return on assets (ROA) | 0.5451% | 4,612 |
| Pretax return on assets | 0.7512% | 4,360 |
| Return on Equity (ROE) | 5.2043% | 4,405 |
| Retained earnings to average equity (ytd only) | 5.2043% | 2,274 |
| Net charge-offs to loans | 0.2450% | 1,226 |
| Credit loss provision to net charge-offs | 135.9517% | 1,927 |
| Earnings coverage of net charge-offs (x) | 5.5106% | 3,378 |
| Efficiency ratio | 75.8119% | 2,304 |
| Assets per employee ($millions) | 5.0204% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 2,770 |
| Loan loss allowance to noncurrent loans | 107.3162% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.9371% | 2,325 |
| Noncurrent loans to loans | 1.2352% | 1,912 |
| Net loans and leases to total assets | 68.2299% | 2,674 |
| Net loans and leases to deposits | 82.9252% | 2,482 |
| Net loans and leases to core deposits | 107.1775% | 1,035 |
| Total domestic deposits to total assets | 82.2788% | 4,088 |
| Equity capital to assets | 10.2962% | 3,627 |
| Core capital (leverage) ratio | 9.9997% | 3,509 |
| Tier 1 risk-based capital ratio | 14.9546% | 3,197 |
| Total risk-based capital ratio | 16.2197% | 3,125 |
| Memoranda: | ||
| Average total assets | $599,169,000 | 1,132 |
| Average earning assets | $551,699,600 | 1,142 |
| Average equity | $62,755,800 | 1,204 |
| Average total loans | $405,379,000 | 1,142 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8884% | 3,774 |
| Cost of funding earning assets | 0.4238% | 2,972 |
| Net interest margin | 3.4646% | 3,696 |
| Noninterest income to average assets | 0.5906% | 2,802 |
| Noninterest expense to average assets | 2.8714% | 2,932 |
| Loan and lease loss provision to assets | 0.2256% | 819 |
| Net operating income to assets | 0.4920% | 4,819 |
| Return on assets (ROA) | 0.5150% | 4,823 |
| Pretax return on assets | 0.7191% | 4,618 |
| Return on Equity (ROE) | 4.8957% | 4,672 |
| Retained earnings to average equity (ytd only) | 4.8957% | 2,991 |
| Net charge-offs to loans | 0.2075% | 1,250 |
| Credit loss provision to net charge-offs | 161.6747% | 1,589 |
| Earnings coverage of net charge-offs (x) | 6.5201% | 3,039 |
| Efficiency ratio | 75.8662% | 2,266 |
| Assets per employee ($millions) | 4.8907% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 2,691 |
| Loan loss allowance to noncurrent loans | 109.2226% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.9432% | 2,505 |
| Noncurrent loans to loans | 1.2651% | 2,019 |
| Net loans and leases to total assets | 67.4554% | 2,780 |
| Net loans and leases to deposits | 80.4347% | 2,828 |
| Net loans and leases to core deposits | 107.7569% | 992 |
| Total domestic deposits to total assets | 83.8635% | 3,481 |
| Equity capital to assets | 10.5097% | 3,591 |
| Core capital (leverage) ratio | 10.2342% | 3,326 |
| Tier 1 risk-based capital ratio | 15.4078% | 3,092 |
| Total risk-based capital ratio | 16.7020% | 3,002 |
| Memoranda: | ||
| Average total assets | $593,328,500 | 1,155 |
| Average earning assets | $546,433,250 | 1,155 |
| Average equity | $62,420,500 | 1,217 |
| Average total loans | $399,109,250 | 1,160 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8498% | 3,870 |
| Cost of funding earning assets | 0.4149% | 3,098 |
| Net interest margin | 3.4349% | 3,774 |
| Noninterest income to average assets | 0.5447% | 3,077 |
| Noninterest expense to average assets | 2.8189% | 3,165 |
| Loan and lease loss provision to assets | 0.2662% | 626 |
| Net operating income to assets | 0.4416% | 5,001 |
| Return on assets (ROA) | 0.4581% | 5,044 |
| Pretax return on assets | 0.6513% | 4,817 |
| Return on Equity (ROE) | 4.3529% | 4,884 |
| Retained earnings to average equity (ytd only) | 4.3529% | 3,246 |
| Net charge-offs to loans | 0.1183% | 1,822 |
| Credit loss provision to net charge-offs | 336.4807% | 859 |
| Earnings coverage of net charge-offs (x) | 11.2618% | 2,307 |
| Efficiency ratio | 75.9085% | 2,375 |
| Assets per employee ($millions) | 4.8377% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 2,444 |
| Loan loss allowance to noncurrent loans | 93.9640% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.1069% | 2,296 |
| Noncurrent loans to loans | 1.5564% | 1,700 |
| Net loans and leases to total assets | 66.2694% | 2,902 |
| Net loans and leases to deposits | 84.4169% | 2,262 |
| Net loans and leases to core deposits | 106.6994% | 1,038 |
| Total domestic deposits to total assets | 78.5025% | 5,189 |
| Equity capital to assets | 10.4092% | 3,554 |
| Core capital (leverage) ratio | 10.1249% | 3,433 |
| Tier 1 risk-based capital ratio | 15.4529% | 3,126 |
| Total risk-based capital ratio | 16.7521% | 3,053 |
| Memoranda: | ||
| Average total assets | $588,954,670 | 1,166 |
| Average earning assets | $542,724,670 | 1,165 |
| Average equity | $61,982,000 | 1,227 |
| Average total loans | $393,874,000 | 1,173 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8097% | 3,974 |
| Cost of funding earning assets | 0.4042% | 3,254 |
| Net interest margin | 3.4055% | 3,822 |
| Noninterest income to average assets | 0.5169% | 3,175 |
| Noninterest expense to average assets | 2.8408% | 3,101 |
| Loan and lease loss provision to assets | 0.2626% | 608 |
| Net operating income to assets | 0.3870% | 5,122 |
| Return on assets (ROA) | 0.4065% | 5,160 |
| Pretax return on assets | 0.5800% | 4,971 |
| Return on Equity (ROE) | 3.8412% | 5,044 |
| Retained earnings to average equity (ytd only) | 3.8412% | 3,696 |
| Net charge-offs to loans | 0.2776% | 868 |
| Credit loss provision to net charge-offs | 141.8519% | 1,298 |
| Earnings coverage of net charge-offs (x) | 4.3889% | 2,504 |
| Efficiency ratio | 77.6881% | 2,234 |
| Assets per employee ($millions) | 4.8900% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 2,928 |
| Loan loss allowance to noncurrent loans | 90.0280% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.0772% | 2,458 |
| Noncurrent loans to loans | 1.5531% | 1,806 |
| Net loans and leases to total assets | 63.5219% | 3,155 |
| Net loans and leases to deposits | 77.6559% | 2,853 |
| Net loans and leases to core deposits | 96.8630% | 1,560 |
| Total domestic deposits to total assets | 81.7992% | 4,569 |
| Equity capital to assets | 10.2573% | 3,822 |
| Core capital (leverage) ratio | 10.2533% | 3,278 |
| Tier 1 risk-based capital ratio | 14.8126% | 3,537 |
| Total risk-based capital ratio | 16.1082% | 3,447 |
| Memoranda: | ||
| Average total assets | $583,496,500 | 1,182 |
| Average earning assets | $537,362,500 | 1,187 |
| Average equity | $61,752,000 | 1,237 |
| Average total loans | $389,095,500 | 1,182 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0047% | 3,716 |
| Cost of funding earning assets | 0.4944% | 2,721 |
| Net interest margin | 3.5103% | 3,753 |
| Noninterest income to average assets | 0.5814% | 2,977 |
| Noninterest expense to average assets | 2.8447% | 3,325 |
| Loan and lease loss provision to assets | 0.2230% | 1,102 |
| Net operating income to assets | 0.5198% | 4,730 |
| Return on assets (ROA) | 0.5500% | 4,686 |
| Pretax return on assets | 0.7813% | 4,326 |
| Return on Equity (ROE) | 5.9097% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.9097% | 1,978 |
| Net charge-offs to loans | 0.2480% | 1,729 |
| Credit loss provision to net charge-offs | 134.2984% | 1,764 |
| Earnings coverage of net charge-offs (x) | 5.7661% | 3,359 |
| Efficiency ratio | 74.7532% | 2,707 |
| Assets per employee ($millions) | 4.5954% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 3,045 |
| Loan loss allowance to noncurrent loans | 85.5019% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.1624% | 2,440 |
| Noncurrent loans to loans | 1.6142% | 1,816 |
| Net loans and leases to total assets | 68.1744% | 2,531 |
| Net loans and leases to deposits | 89.1795% | 1,596 |
| Net loans and leases to core deposits | 111.1515% | 726 |
| Total domestic deposits to total assets | 76.4463% | 5,670 |
| Equity capital to assets | 10.9355% | 2,967 |
| Core capital (leverage) ratio | 10.5536% | 2,893 |
| Tier 1 risk-based capital ratio | 15.3065% | 3,309 |
| Total risk-based capital ratio | 16.6043% | 3,243 |
| Memoranda: | ||
| Average total assets | $540,754,800 | 1,236 |
| Average earning assets | $496,164,600 | 1,241 |
| Average equity | $50,324,400 | 1,432 |
| Average total loans | $362,089,000 | 1,225 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9796% | 3,836 |
| Cost of funding earning assets | 0.5141% | 2,617 |
| Net interest margin | 3.4655% | 3,960 |
| Noninterest income to average assets | 0.5850% | 2,963 |
| Noninterest expense to average assets | 2.8048% | 3,444 |
| Loan and lease loss provision to assets | 0.2314% | 953 |
| Net operating income to assets | 0.5266% | 4,771 |
| Return on assets (ROA) | 0.5201% | 4,863 |
| Pretax return on assets | 0.7229% | 4,619 |
| Return on Equity (ROE) | 5.8568% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.8568% | 2,498 |
| Net charge-offs to loans | 0.2999% | 1,321 |
| Credit loss provision to net charge-offs | 116.2500% | 1,958 |
| Earnings coverage of net charge-offs (x) | 4.8162% | 3,375 |
| Efficiency ratio | 74.4644% | 2,744 |
| Assets per employee ($millions) | 4.8629% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 3,260 |
| Loan loss allowance to noncurrent loans | 69.4840% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.3852% | 2,232 |
| Noncurrent loans to loans | 1.9884% | 1,598 |
| Net loans and leases to total assets | 64.8739% | 3,041 |
| Net loans and leases to deposits | 76.2280% | 3,159 |
| Net loans and leases to core deposits | 96.5884% | 1,628 |
| Total domestic deposits to total assets | 85.1051% | 3,297 |
| Equity capital to assets | 8.5811% | 5,739 |
| Core capital (leverage) ratio | 8.4139% | 5,744 |
| Tier 1 risk-based capital ratio | 12.0305% | 5,461 |
| Total risk-based capital ratio | 13.3315% | 5,352 |
| Memoranda: | ||
| Average total assets | $535,785,000 | 1,254 |
| Average earning assets | $491,424,750 | 1,261 |
| Average equity | $47,578,500 | 1,520 |
| Average total loans | $355,721,750 | 1,249 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9831% | 3,798 |
| Cost of funding earning assets | 0.5324% | 2,518 |
| Net interest margin | 3.4507% | 3,977 |
| Noninterest income to average assets | 0.5915% | 2,853 |
| Noninterest expense to average assets | 2.8685% | 3,278 |
| Loan and lease loss provision to assets | 0.1982% | 1,227 |
| Net operating income to assets | 0.4986% | 4,815 |
| Return on assets (ROA) | 0.4917% | 4,915 |
| Pretax return on assets | 0.6826% | 4,705 |
| Return on Equity (ROE) | 5.4703% | 4,446 |
| Retained earnings to average equity (ytd only) | 5.4703% | 2,651 |
| Net charge-offs to loans | 0.2260% | 1,686 |
| Credit loss provision to net charge-offs | 131.6456% | 1,594 |
| Earnings coverage of net charge-offs (x) | 5.8785% | 2,855 |
| Efficiency ratio | 76.3607% | 2,561 |
| Assets per employee ($millions) | 4.7328% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 3,148 |
| Loan loss allowance to noncurrent loans | 80.1054% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.3264% | 2,464 |
| Noncurrent loans to loans | 1.7974% | 1,908 |
| Net loans and leases to total assets | 64.9736% | 2,912 |
| Net loans and leases to deposits | 78.6234% | 2,718 |
| Net loans and leases to core deposits | 96.6075% | 1,556 |
| Total domestic deposits to total assets | 82.6390% | 4,435 |
| Equity capital to assets | 8.8271% | 5,497 |
| Core capital (leverage) ratio | 8.5749% | 5,556 |
| Tier 1 risk-based capital ratio | 12.2352% | 5,394 |
| Total risk-based capital ratio | 13.5388% | 5,286 |
| Memoranda: | ||
| Average total assets | $524,727,000 | 1,280 |
| Average earning assets | $480,830,000 | 1,281 |
| Average equity | $47,163,670 | 1,519 |
| Average total loans | $349,536,670 | 1,261 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0264% | 3,581 |
| Cost of funding earning assets | 0.5554% | 2,380 |
| Net interest margin | 3.4709% | 3,820 |
| Noninterest income to average assets | 0.5981% | 2,746 |
| Noninterest expense to average assets | 2.9781% | 2,952 |
| Loan and lease loss provision to assets | 0.1903% | 1,244 |
| Net operating income to assets | 0.4509% | 4,927 |
| Return on assets (ROA) | 0.4288% | 5,073 |
| Pretax return on assets | 0.5872% | 4,872 |
| Return on Equity (ROE) | 4.7256% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.7256% | 3,280 |
| Net charge-offs to loans | 0.3328% | 1,074 |
| Credit loss provision to net charge-offs | 85.3659% | 1,844 |
| Earnings coverage of net charge-offs (x) | 3.5854% | 2,659 |
| Efficiency ratio | 78.7785% | 2,362 |
| Assets per employee ($millions) | 4.6564% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 3,441 |
| Loan loss allowance to noncurrent loans | 71.5881% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 1.4600% | 2,429 |
| Noncurrent loans to loans | 2.0057% | 1,859 |
| Net loans and leases to total assets | 65.2185% | 2,689 |
| Net loans and leases to deposits | 77.8958% | 2,571 |
| Net loans and leases to core deposits | 90.0584% | 1,899 |
| Total domestic deposits to total assets | 83.7253% | 4,379 |
| Equity capital to assets | 8.9531% | 5,162 |
| Core capital (leverage) ratio | 8.7301% | 5,344 |
| Tier 1 risk-based capital ratio | 12.5298% | 5,294 |
| Total risk-based capital ratio | 13.8312% | 5,205 |
| Memoranda: | ||
| Average total assets | $514,957,000 | 1,312 |
| Average earning assets | $471,691,500 | 1,309 |
| Average equity | $46,724,000 | 1,533 |
| Average total loans | $344,907,000 | 1,271 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1657% | 3,474 |
| Cost of funding earning assets | 0.6801% | 1,958 |
| Net interest margin | 3.4856% | 3,960 |
| Noninterest income to average assets | 0.5851% | 3,181 |
| Noninterest expense to average assets | 2.9538% | 3,188 |
| Loan and lease loss provision to assets | 0.2088% | 1,771 |
| Net operating income to assets | 0.4716% | 4,864 |
| Return on assets (ROA) | 0.5264% | 4,737 |
| Pretax return on assets | 0.7120% | 4,495 |
| Return on Equity (ROE) | 5.8286% | 4,192 |
| Retained earnings to average equity (ytd only) | 5.8286% | 2,078 |
| Net charge-offs to loans | 0.1456% | 3,347 |
| Credit loss provision to net charge-offs | 209.7561% | 1,098 |
| Earnings coverage of net charge-offs (x) | 8.5061% | 2,660 |
| Efficiency ratio | 77.7163% | 2,508 |
| Assets per employee ($millions) | 4.4977% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 3,305 |
| Loan loss allowance to noncurrent loans | 94.2067% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.1851% | 3,030 |
| Noncurrent loans to loans | 1.5662% | 2,550 |
| Net loans and leases to total assets | 66.8224% | 2,555 |
| Net loans and leases to deposits | 81.7388% | 2,214 |
| Net loans and leases to core deposits | 96.0533% | 1,457 |
| Total domestic deposits to total assets | 81.7511% | 4,952 |
| Equity capital to assets | 9.1990% | 4,806 |
| Core capital (leverage) ratio | 8.7223% | 5,394 |
| Tier 1 risk-based capital ratio | 12.8248% | 5,103 |
| Total risk-based capital ratio | 14.1258% | 5,009 |
| Memoranda: | ||
| Average total assets | $494,271,800 | 1,343 |
| Average earning assets | $455,960,800 | 1,333 |
| Average equity | $44,641,800 | 1,565 |
| Average total loans | $338,013,600 | 1,261 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1772% | 3,470 |
| Cost of funding earning assets | 0.7003% | 1,944 |
| Net interest margin | 3.4770% | 3,986 |
| Noninterest income to average assets | 0.5841% | 3,251 |
| Noninterest expense to average assets | 2.8653% | 3,424 |
| Loan and lease loss provision to assets | 0.2212% | 1,644 |
| Net operating income to assets | 0.5181% | 4,726 |
| Return on assets (ROA) | 0.5410% | 4,760 |
| Pretax return on assets | 0.7416% | 4,522 |
| Return on Equity (ROE) | 6.0186% | 4,176 |
| Retained earnings to average equity (ytd only) | 6.0186% | 2,392 |
| Net charge-offs to loans | 0.0918% | 3,648 |
| Credit loss provision to net charge-offs | 351.7241% | 743 |
| Earnings coverage of net charge-offs (x) | 14.8101% | 1,912 |
| Efficiency ratio | 75.4694% | 2,819 |
| Assets per employee ($millions) | 4.4245% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 3,436 |
| Loan loss allowance to noncurrent loans | 86.3914% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.2598% | 3,120 |
| Noncurrent loans to loans | 1.7409% | 2,580 |
| Net loans and leases to total assets | 67.8066% | 2,324 |
| Net loans and leases to deposits | 82.7376% | 2,041 |
| Net loans and leases to core deposits | 94.1749% | 1,555 |
| Total domestic deposits to total assets | 81.9538% | 4,947 |
| Equity capital to assets | 9.0341% | 5,151 |
| Core capital (leverage) ratio | 8.9877% | 5,144 |
| Tier 1 risk-based capital ratio | 12.8514% | 5,224 |
| Total risk-based capital ratio | 14.1639% | 5,124 |
| Memoranda: | ||
| Average total assets | $491,904,750 | 1,359 |
| Average earning assets | $454,484,250 | 1,341 |
| Average equity | $44,217,500 | 1,596 |
| Average total loans | $337,104,000 | 1,269 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1876% | 3,421 |
| Cost of funding earning assets | 0.7252% | 1,884 |
| Net interest margin | 3.4625% | 3,952 |
| Noninterest income to average assets | 0.6230% | 3,060 |
| Noninterest expense to average assets | 2.8210% | 3,605 |
| Loan and lease loss provision to assets | 0.2438% | 1,529 |
| Net operating income to assets | 0.5542% | 4,535 |
| Return on assets (ROA) | 0.5835% | 4,561 |
| Pretax return on assets | 0.7997% | 4,316 |
| Return on Equity (ROE) | 6.5025% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.5025% | 2,141 |
| Net charge-offs to loans | 0.1407% | 2,976 |
| Credit loss provision to net charge-offs | 253.1646% | 987 |
| Earnings coverage of net charge-offs (x) | 10.4177% | 2,156 |
| Efficiency ratio | 73.7647% | 3,172 |
| Assets per employee ($millions) | 4.4115% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 3,846 |
| Loan loss allowance to noncurrent loans | 83.8621% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.2607% | 3,241 |
| Noncurrent loans to loans | 1.7180% | 2,738 |
| Net loans and leases to total assets | 67.3452% | 2,359 |
| Net loans and leases to deposits | 82.6973% | 1,964 |
| Net loans and leases to core deposits | 94.1269% | 1,509 |
| Total domestic deposits to total assets | 81.4358% | 5,229 |
| Equity capital to assets | 8.8482% | 5,390 |
| Core capital (leverage) ratio | 8.8193% | 5,261 |
| Tier 1 risk-based capital ratio | 12.9710% | 5,164 |
| Total risk-based capital ratio | 14.2889% | 5,058 |
| Memoranda: | ||
| Average total assets | $492,167,670 | 1,356 |
| Average earning assets | $455,053,330 | 1,337 |
| Average equity | $44,167,330 | 1,600 |
| Average total loans | $336,774,000 | 1,263 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1944% | 3,327 |
| Cost of funding earning assets | 0.7529% | 1,828 |
| Net interest margin | 3.4415% | 3,956 |
| Noninterest income to average assets | 0.4568% | 4,074 |
| Noninterest expense to average assets | 2.7801% | 3,764 |
| Loan and lease loss provision to assets | 0.2638% | 1,344 |
| Net operating income to assets | 0.4369% | 4,970 |
| Return on assets (ROA) | 0.4601% | 5,033 |
| Pretax return on assets | 0.6311% | 4,837 |
| Return on Equity (ROE) | 5.0910% | 4,522 |
| Retained earnings to average equity (ytd only) | 5.0910% | 3,181 |
| Net charge-offs to loans | 0.1653% | 2,406 |
| Credit loss provision to net charge-offs | 233.0935% | 980 |
| Earnings coverage of net charge-offs (x) | 7.6259% | 2,040 |
| Efficiency ratio | 76.3076% | 2,875 |
| Assets per employee ($millions) | 4.5498% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 4,322 |
| Loan loss allowance to noncurrent loans | 78.3219% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.2585% | 3,468 |
| Noncurrent loans to loans | 1.7651% | 2,914 |
| Net loans and leases to total assets | 66.1878% | 2,340 |
| Net loans and leases to deposits | 77.6416% | 2,391 |
| Net loans and leases to core deposits | 90.7567% | 1,634 |
| Total domestic deposits to total assets | 85.2478% | 3,928 |
| Equity capital to assets | 8.8268% | 5,692 |
| Core capital (leverage) ratio | 8.4535% | 5,644 |
| Tier 1 risk-based capital ratio | 12.7649% | 5,393 |
| Total risk-based capital ratio | 14.0778% | 5,301 |
| Memoranda: | ||
| Average total assets | $491,206,500 | 1,376 |
| Average earning assets | $454,799,500 | 1,352 |
| Average equity | $44,392,000 | 1,614 |
| Average total loans | $336,356,000 | 1,264 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3869% | 3,869 |
| Cost of funding earning assets | 0.8671% | 2,164 |
| Net interest margin | 3.5198% | 4,423 |
| Noninterest income to average assets | 0.4935% | 3,943 |
| Noninterest expense to average assets | 2.8133% | 3,974 |
| Loan and lease loss provision to assets | 0.1761% | 3,423 |
| Net operating income to assets | 0.5503% | 4,476 |
| Return on assets (ROA) | 0.6096% | 4,454 |
| Pretax return on assets | 0.8234% | 4,213 |
| Return on Equity (ROE) | 6.5836% | 3,868 |
| Retained earnings to average equity (ytd only) | 3.8174% | 3,521 |
| Net charge-offs to loans | 0.0962% | 4,705 |
| Credit loss provision to net charge-offs | 271.3816% | 891 |
| Earnings coverage of net charge-offs (x) | 14.1711% | 1,758 |
| Efficiency ratio | 75.3674% | 2,852 |
| Assets per employee ($millions) | 4.3398% | 3,279 |
| Cash dividends to net income (ytd only)* | 42.0168% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 4,411 |
| Loan loss allowance to noncurrent loans | 81.1283% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.2514% | 3,558 |
| Noncurrent loans to loans | 1.6623% | 3,134 |
| Net loans and leases to total assets | 68.9712% | 2,039 |
| Net loans and leases to deposits | 83.6072% | 1,799 |
| Net loans and leases to core deposits | 97.2017% | 1,208 |
| Total domestic deposits to total assets | 82.4943% | 4,930 |
| Equity capital to assets | 9.2601% | 5,196 |
| Core capital (leverage) ratio | 8.8309% | 5,128 |
| Tier 1 risk-based capital ratio | 12.8874% | 5,189 |
| Total risk-based capital ratio | 14.1859% | 5,096 |
| Memoranda: | ||
| Average total assets | $468,525,000 | 1,408 |
| Average earning assets | $431,192,800 | 1,398 |
| Average equity | $43,380,600 | 1,604 |
| Average total loans | $315,858,000 | 1,330 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3888% | 4,097 |
| Cost of funding earning assets | 0.8860% | 2,265 |
| Net interest margin | 3.5028% | 4,631 |
| Noninterest income to average assets | 0.4866% | 4,011 |
| Noninterest expense to average assets | 2.7818% | 4,047 |
| Loan and lease loss provision to assets | 0.1859% | 3,266 |
| Net operating income to assets | 0.5546% | 4,605 |
| Return on assets (ROA) | 0.5930% | 4,686 |
| Pretax return on assets | 0.7909% | 4,526 |
| Return on Equity (ROE) | 6.4049% | 4,114 |
| Retained earnings to average equity (ytd only) | 6.4049% | 2,425 |
| Net charge-offs to loans | 0.0844% | 4,544 |
| Credit loss provision to net charge-offs | 329.9492% | 810 |
| Earnings coverage of net charge-offs (x) | 16.4315% | 1,692 |
| Efficiency ratio | 75.0347% | 2,819 |
| Assets per employee ($millions) | 4.3306% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 4,508 |
| Loan loss allowance to noncurrent loans | 95.8901% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 1.0510% | 4,195 |
| Noncurrent loans to loans | 1.4261% | 3,660 |
| Net loans and leases to total assets | 66.5129% | 2,558 |
| Net loans and leases to deposits | 80.8680% | 2,266 |
| Net loans and leases to core deposits | 93.6586% | 1,611 |
| Total domestic deposits to total assets | 82.2488% | 4,932 |
| Equity capital to assets | 9.4548% | 5,259 |
| Core capital (leverage) ratio | 8.8484% | 5,271 |
| Tier 1 risk-based capital ratio | 13.1462% | 5,131 |
| Total risk-based capital ratio | 14.4526% | 5,058 |
| Memoranda: | ||
| Average total assets | $466,310,500 | 1,433 |
| Average earning assets | $428,747,000 | 1,422 |
| Average equity | $43,174,250 | 1,626 |
| Average total loans | $311,383,000 | 1,357 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 4,016 |
| Cost of funding earning assets | 0.9074% | 2,342 |
| Net interest margin | 3.5349% | 4,530 |
| Noninterest income to average assets | 0.4897% | 3,988 |
| Noninterest expense to average assets | 2.8688% | 3,751 |
| Loan and lease loss provision to assets | 0.1625% | 3,482 |
| Net operating income to assets | 0.5318% | 4,666 |
| Return on assets (ROA) | 0.5842% | 4,696 |
| Pretax return on assets | 0.7796% | 4,545 |
| Return on Equity (ROE) | 6.3561% | 4,125 |
| Retained earnings to average equity (ytd only) | 6.3561% | 2,467 |
| Net charge-offs to loans | 0.0925% | 4,228 |
| Credit loss provision to net charge-offs | 264.0845% | 1,088 |
| Earnings coverage of net charge-offs (x) | 14.1761% | 1,731 |
| Efficiency ratio | 76.6825% | 2,640 |
| Assets per employee ($millions) | 4.2707% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 4,675 |
| Loan loss allowance to noncurrent loans | 97.1857% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.0028% | 4,373 |
| Noncurrent loans to loans | 1.3868% | 3,842 |
| Net loans and leases to total assets | 65.0513% | 2,834 |
| Net loans and leases to deposits | 76.9282% | 2,845 |
| Net loans and leases to core deposits | 87.9075% | 2,217 |
| Total domestic deposits to total assets | 84.5611% | 4,074 |
| Equity capital to assets | 9.3081% | 5,304 |
| Core capital (leverage) ratio | 8.8198% | 5,182 |
| Tier 1 risk-based capital ratio | 13.2689% | 4,987 |
| Total risk-based capital ratio | 14.5653% | 4,922 |
| Memoranda: | ||
| Average total assets | $461,514,330 | 1,442 |
| Average earning assets | $424,515,670 | 1,441 |
| Average equity | $42,416,000 | 1,647 |
| Average total loans | $307,124,000 | 1,375 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4979% | 3,921 |
| Cost of funding earning assets | 0.9308% | 2,438 |
| Net interest margin | 3.5671% | 4,407 |
| Noninterest income to average assets | 0.4472% | 4,309 |
| Noninterest expense to average assets | 2.9408% | 3,472 |
| Loan and lease loss provision to assets | 0.1977% | 2,965 |
| Net operating income to assets | 0.4384% | 5,094 |
| Return on assets (ROA) | 0.5122% | 4,985 |
| Pretax return on assets | 0.6836% | 4,846 |
| Return on Equity (ROE) | 5.6110% | 4,493 |
| Retained earnings to average equity (ytd only) | 5.6110% | 3,194 |
| Net charge-offs to loans | 0.1222% | 3,375 |
| Credit loss provision to net charge-offs | 241.9355% | 1,176 |
| Earnings coverage of net charge-offs (x) | 9.5806% | 1,832 |
| Efficiency ratio | 78.9759% | 2,356 |
| Assets per employee ($millions) | 4.1771% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 4,795 |
| Loan loss allowance to noncurrent loans | 85.4353% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.1476% | 4,215 |
| Noncurrent loans to loans | 1.5832% | 3,739 |
| Net loans and leases to total assets | 64.1035% | 2,830 |
| Net loans and leases to deposits | 75.6112% | 2,859 |
| Net loans and leases to core deposits | 86.6018% | 2,218 |
| Total domestic deposits to total assets | 84.7805% | 4,131 |
| Equity capital to assets | 8.9582% | 5,561 |
| Core capital (leverage) ratio | 8.7287% | 5,254 |
| Tier 1 risk-based capital ratio | 13.4053% | 4,895 |
| Total risk-based capital ratio | 14.7001% | 4,855 |
| Memoranda: | ||
| Average total assets | $455,247,000 | 1,466 |
| Average earning assets | $418,153,000 | 1,458 |
| Average equity | $41,561,500 | 1,673 |
| Average total loans | $304,392,000 | 1,390 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 3,407 |
| Cost of funding earning assets | 1.0910% | 2,729 |
| Net interest margin | 3.7990% | 3,820 |
| Noninterest income to average assets | 0.4976% | 3,860 |
| Noninterest expense to average assets | 3.0380% | 3,451 |
| Loan and lease loss provision to assets | 0.2238% | 3,967 |
| Net operating income to assets | 0.4829% | 4,496 |
| Return on assets (ROA) | 0.6128% | 4,120 |
| Pretax return on assets | 0.8871% | 3,650 |
| Return on Equity (ROE) | 6.7745% | 3,505 |
| Retained earnings to average equity (ytd only) | 6.7745% | 1,604 |
| Net charge-offs to loans | 0.2081% | 4,496 |
| Credit loss provision to net charge-offs | 154.6053% | 1,817 |
| Earnings coverage of net charge-offs (x) | 6.3734% | 2,531 |
| Efficiency ratio | 76.7057% | 2,789 |
| Assets per employee ($millions) | 4.0241% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 4,872 |
| Loan loss allowance to noncurrent loans | 84.1260% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.1899% | 4,256 |
| Noncurrent loans to loans | 1.5523% | 3,831 |
| Net loans and leases to total assets | 67.9515% | 2,404 |
| Net loans and leases to deposits | 81.5894% | 2,260 |
| Net loans and leases to core deposits | 90.7174% | 2,019 |
| Total domestic deposits to total assets | 83.2847% | 4,631 |
| Equity capital to assets | 9.3104% | 5,137 |
| Core capital (leverage) ratio | 9.3697% | 4,224 |
| Tier 1 risk-based capital ratio | 13.6550% | 4,585 |
| Total risk-based capital ratio | 14.9389% | 4,522 |
| Memoranda: | ||
| Average total assets | $420,010,000 | 1,550 |
| Average earning assets | $382,865,400 | 1,553 |
| Average equity | $37,995,400 | 1,774 |
| Average total loans | $292,097,800 | 1,458 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9690% | 3,250 |
| Cost of funding earning assets | 1.1173% | 2,861 |
| Net interest margin | 3.8517% | 3,605 |
| Noninterest income to average assets | 0.5023% | 3,857 |
| Noninterest expense to average assets | 3.0881% | 3,208 |
| Loan and lease loss provision to assets | 0.2156% | 3,860 |
| Net operating income to assets | 0.4911% | 4,577 |
| Return on assets (ROA) | 0.6667% | 3,964 |
| Pretax return on assets | 0.9596% | 3,559 |
| Return on Equity (ROE) | 7.4281% | 3,311 |
| Retained earnings to average equity (ytd only) | 7.4281% | 1,751 |
| Net charge-offs to loans | 0.1454% | 4,612 |
| Credit loss provision to net charge-offs | 212.6984% | 1,362 |
| Earnings coverage of net charge-offs (x) | 9.0825% | 2,097 |
| Efficiency ratio | 77.0348% | 2,673 |
| Assets per employee ($millions) | 3.8173% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 4,733 |
| Loan loss allowance to noncurrent loans | 93.4189% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 1.1543% | 4,480 |
| Noncurrent loans to loans | 1.4559% | 4,114 |
| Net loans and leases to total assets | 69.1370% | 2,253 |
| Net loans and leases to deposits | 84.0282% | 1,993 |
| Net loans and leases to core deposits | 89.1930% | 2,339 |
| Total domestic deposits to total assets | 82.2783% | 4,982 |
| Equity capital to assets | 10.1178% | 4,189 |
| Core capital (leverage) ratio | 9.6374% | 3,935 |
| Tier 1 risk-based capital ratio | 14.5455% | 3,942 |
| Total risk-based capital ratio | 15.8253% | 3,900 |
| Memoranda: | ||
| Average total assets | $414,349,000 | 1,577 |
| Average earning assets | $377,207,750 | 1,584 |
| Average equity | $37,191,000 | 1,815 |
| Average total loans | $288,929,750 | 1,489 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9776% | 3,269 |
| Cost of funding earning assets | 1.1354% | 2,997 |
| Net interest margin | 3.8422% | 3,573 |
| Noninterest income to average assets | 0.5455% | 3,507 |
| Noninterest expense to average assets | 3.1685% | 3,012 |
| Loan and lease loss provision to assets | 0.2545% | 3,366 |
| Net operating income to assets | 0.4295% | 4,813 |
| Return on assets (ROA) | 0.5392% | 4,479 |
| Pretax return on assets | 0.7704% | 4,144 |
| Return on Equity (ROE) | 6.2778% | 3,809 |
| Retained earnings to average equity (ytd only) | 6.2778% | 2,257 |
| Net charge-offs to loans | 0.1163% | 4,540 |
| Credit loss provision to net charge-offs | 314.3713% | 969 |
| Earnings coverage of net charge-offs (x) | 10.7246% | 1,773 |
| Efficiency ratio | 78.4891% | 2,634 |
| Assets per employee ($millions) | 3.6359% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 4,650 |
| Loan loss allowance to noncurrent loans | 98.6214% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 1.1975% | 4,495 |
| Noncurrent loans to loans | 1.4031% | 4,312 |
| Net loans and leases to total assets | 68.2800% | 2,562 |
| Net loans and leases to deposits | 82.6473% | 2,348 |
| Net loans and leases to core deposits | 88.4443% | 2,577 |
| Total domestic deposits to total assets | 82.6162% | 4,941 |
| Equity capital to assets | 8.7714% | 5,853 |
| Core capital (leverage) ratio | 8.1920% | 6,042 |
| Tier 1 risk-based capital ratio | 12.5227% | 5,323 |
| Total risk-based capital ratio | 13.8129% | 5,257 |
| Memoranda: | ||
| Average total assets | $412,497,330 | 1,596 |
| Average earning assets | $374,839,670 | 1,606 |
| Average equity | $35,426,330 | 1,892 |
| Average total loans | $287,135,670 | 1,515 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9346% | 3,386 |
| Cost of funding earning assets | 1.1368% | 3,252 |
| Net interest margin | 3.7978% | 3,634 |
| Noninterest income to average assets | 0.5751% | 3,337 |
| Noninterest expense to average assets | 3.1478% | 3,078 |
| Loan and lease loss provision to assets | 0.2568% | 3,088 |
| Net operating income to assets | 0.4443% | 4,748 |
| Return on assets (ROA) | 0.4628% | 4,734 |
| Pretax return on assets | 0.6610% | 4,451 |
| Return on Equity (ROE) | 5.4480% | 4,183 |
| Retained earnings to average equity (ytd only) | 5.4480% | 2,939 |
| Net charge-offs to loans | 0.2014% | 3,299 |
| Credit loss provision to net charge-offs | 182.6389% | 1,602 |
| Earnings coverage of net charge-offs (x) | 6.3403% | 2,114 |
| Efficiency ratio | 77.9309% | 2,855 |
| Assets per employee ($millions) | 3.9237% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 5,062 |
| Loan loss allowance to noncurrent loans | 63.0988% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.5988% | 3,853 |
| Noncurrent loans to loans | 2.0831% | 3,461 |
| Net loans and leases to total assets | 68.6487% | 2,417 |
| Net loans and leases to deposits | 82.6552% | 2,245 |
| Net loans and leases to core deposits | 87.4675% | 2,674 |
| Total domestic deposits to total assets | 83.0543% | 4,902 |
| Equity capital to assets | 8.5426% | 5,848 |
| Core capital (leverage) ratio | 8.0651% | 6,171 |
| Tier 1 risk-based capital ratio | 12.4978% | 5,269 |
| Total risk-based capital ratio | 13.7820% | 5,214 |
| Memoranda: | ||
| Average total assets | $409,680,500 | 1,613 |
| Average earning assets | $373,687,000 | 1,622 |
| Average equity | $34,801,500 | 1,906 |
| Average total loans | $285,950,500 | 1,534 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1041% | 4,081 |
| Cost of funding earning assets | 1.2980% | 3,894 |
| Net interest margin | 3.8060% | 3,914 |
| Noninterest income to average assets | 0.6262% | 3,308 |
| Noninterest expense to average assets | 2.8988% | 4,228 |
| Loan and lease loss provision to assets | 0.2670% | 4,663 |
| Net operating income to assets | 0.6581% | 3,399 |
| Return on assets (ROA) | 0.6964% | 3,375 |
| Pretax return on assets | 0.9774% | 3,008 |
| Return on Equity (ROE) | 7.9886% | 2,701 |
| Retained earnings to average equity (ytd only) | 5.9462% | 1,844 |
| Net charge-offs to loans | 0.1766% | 5,262 |
| Credit loss provision to net charge-offs | 218.7500% | 1,374 |
| Earnings coverage of net charge-offs (x) | 9.7521% | 1,787 |
| Efficiency ratio | 70.8875% | 4,006 |
| Assets per employee ($millions) | 3.8797% | 4,055 |
| Cash dividends to net income (ytd only)* | 25.5661% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 5,115 |
| Loan loss allowance to noncurrent loans | 61.5904% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.5460% | 3,996 |
| Noncurrent loans to loans | 2.0760% | 3,455 |
| Net loans and leases to total assets | 69.1409% | 2,732 |
| Net loans and leases to deposits | 85.8475% | 2,131 |
| Net loans and leases to core deposits | 94.0085% | 2,252 |
| Total domestic deposits to total assets | 80.5392% | 5,673 |
| Equity capital to assets | 8.4464% | 5,928 |
| Core capital (leverage) ratio | 8.1092% | 5,998 |
| Tier 1 risk-based capital ratio | 12.2434% | 5,266 |
| Total risk-based capital ratio | 13.5254% | 5,192 |
| Memoranda: | ||
| Average total assets | $393,190,800 | 1,675 |
| Average earning assets | $357,774,200 | 1,672 |
| Average equity | $34,273,800 | 1,930 |
| Average total loans | $271,742,800 | 1,643 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1369% | 4,138 |
| Cost of funding earning assets | 1.3146% | 4,133 |
| Net interest margin | 3.8222% | 3,869 |
| Noninterest income to average assets | 0.6238% | 3,288 |
| Noninterest expense to average assets | 2.9055% | 4,065 |
| Loan and lease loss provision to assets | 0.2696% | 4,427 |
| Net operating income to assets | 0.6443% | 3,682 |
| Return on assets (ROA) | 0.6857% | 3,643 |
| Pretax return on assets | 0.9790% | 3,259 |
| Return on Equity (ROE) | 7.8035% | 2,984 |
| Retained earnings to average equity (ytd only) | 5.0777% | 2,929 |
| Net charge-offs to loans | 0.1406% | 5,175 |
| Credit loss provision to net charge-offs | 278.4452% | 1,166 |
| Earnings coverage of net charge-offs (x) | 12.2828% | 1,702 |
| Efficiency ratio | 70.9535% | 3,888 |
| Assets per employee ($millions) | 3.9750% | 3,892 |
| Cash dividends to net income (ytd only)* | 34.9302% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 5,036 |
| Loan loss allowance to noncurrent loans | 67.9310% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.3881% | 4,379 |
| Noncurrent loans to loans | 1.8938% | 3,811 |
| Net loans and leases to total assets | 67.7906% | 3,268 |
| Net loans and leases to deposits | 83.1441% | 2,882 |
| Net loans and leases to core deposits | 92.0273% | 2,790 |
| Total domestic deposits to total assets | 81.5339% | 5,188 |
| Equity capital to assets | 8.6790% | 6,058 |
| Core capital (leverage) ratio | 8.1166% | 6,172 |
| Tier 1 risk-based capital ratio | 12.0668% | 5,396 |
| Total risk-based capital ratio | 13.3380% | 5,345 |
| Memoranda: | ||
| Average total assets | $389,646,500 | 1,718 |
| Average earning assets | $353,851,000 | 1,713 |
| Average equity | $34,240,250 | 1,958 |
| Average total loans | $268,352,000 | 1,674 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1607% | 4,139 |
| Cost of funding earning assets | 1.3277% | 4,361 |
| Net interest margin | 3.8330% | 3,746 |
| Noninterest income to average assets | 0.6447% | 3,036 |
| Noninterest expense to average assets | 2.9154% | 4,018 |
| Loan and lease loss provision to assets | 0.2732% | 4,203 |
| Net operating income to assets | 0.6575% | 3,595 |
| Return on assets (ROA) | 0.6681% | 3,686 |
| Pretax return on assets | 0.9532% | 3,299 |
| Return on Equity (ROE) | 7.5699% | 3,076 |
| Retained earnings to average equity (ytd only) | 7.5699% | 1,611 |
| Net charge-offs to loans | 0.1109% | 5,049 |
| Credit loss provision to net charge-offs | 357.1429% | 1,026 |
| Earnings coverage of net charge-offs (x) | 15.8367% | 1,432 |
| Efficiency ratio | 70.6468% | 4,050 |
| Assets per employee ($millions) | 3.8467% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 5,043 |
| Loan loss allowance to noncurrent loans | 69.1969% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.2751% | 4,597 |
| Noncurrent loans to loans | 1.8473% | 3,938 |
| Net loans and leases to total assets | 67.3462% | 3,536 |
| Net loans and leases to deposits | 84.2445% | 2,831 |
| Net loans and leases to core deposits | 90.6051% | 3,176 |
| Total domestic deposits to total assets | 79.9413% | 5,746 |
| Equity capital to assets | 8.8476% | 5,671 |
| Core capital (leverage) ratio | 8.2283% | 5,895 |
| Tier 1 risk-based capital ratio | 12.3415% | 5,001 |
| Total risk-based capital ratio | 13.5927% | 4,981 |
| Memoranda: | ||
| Average total assets | $384,378,670 | 1,747 |
| Average earning assets | $349,175,000 | 1,751 |
| Average equity | $33,924,000 | 1,965 |
| Average total loans | $264,989,670 | 1,712 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2294% | 3,878 |
| Cost of funding earning assets | 1.3397% | 4,563 |
| Net interest margin | 3.8898% | 3,374 |
| Noninterest income to average assets | 0.6817% | 2,726 |
| Noninterest expense to average assets | 2.9308% | 3,947 |
| Loan and lease loss provision to assets | 0.2780% | 3,804 |
| Net operating income to assets | 0.7056% | 3,416 |
| Return on assets (ROA) | 0.7145% | 3,481 |
| Pretax return on assets | 1.0178% | 3,024 |
| Return on Equity (ROE) | 8.1059% | 2,833 |
| Retained earnings to average equity (ytd only) | 8.1059% | 1,662 |
| Net charge-offs to loans | 0.0930% | 4,487 |
| Credit loss provision to net charge-offs | 431.1475% | 963 |
| Earnings coverage of net charge-offs (x) | 19.9016% | 1,180 |
| Efficiency ratio | 69.5510% | 4,402 |
| Assets per employee ($millions) | 3.7130% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 5,209 |
| Loan loss allowance to noncurrent loans | 82.5157% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0659% | 5,012 |
| Noncurrent loans to loans | 1.5159% | 4,475 |
| Net loans and leases to total assets | 67.0555% | 3,616 |
| Net loans and leases to deposits | 82.0004% | 3,282 |
| Net loans and leases to core deposits | 88.0648% | 3,617 |
| Total domestic deposits to total assets | 81.7745% | 5,169 |
| Equity capital to assets | 8.7781% | 5,590 |
| Core capital (leverage) ratio | 8.1528% | 5,988 |
| Tier 1 risk-based capital ratio | 12.5501% | 4,698 |
| Total risk-based capital ratio | 13.8239% | 4,639 |
| Memoranda: | ||
| Average total assets | $378,464,000 | 1,813 |
| Average earning assets | $343,670,000 | 1,820 |
| Average equity | $33,358,500 | 2,010 |
| Average total loans | $262,341,500 | 1,787 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5402% | 3,927 |
| Cost of funding earning assets | 1.8136% | 3,920 |
| Net interest margin | 3.7266% | 4,020 |
| Noninterest income to average assets | 0.6999% | 2,982 |
| Noninterest expense to average assets | 3.0172% | 4,086 |
| Loan and lease loss provision to assets | 0.2435% | 5,435 |
| Net operating income to assets | 0.4886% | 3,776 |
| Return on assets (ROA) | 0.5093% | 3,785 |
| Pretax return on assets | 0.8295% | 3,156 |
| Return on Equity (ROE) | 6.5952% | 2,956 |
| Retained earnings to average equity (ytd only) | 3.6252% | 2,645 |
| Net charge-offs to loans | 0.1073% | 6,077 |
| Credit loss provision to net charge-offs | 323.2472% | 1,007 |
| Earnings coverage of net charge-offs (x) | 13.8155% | 1,400 |
| Efficiency ratio | 71.9345% | 4,271 |
| Assets per employee ($millions) | 3.7452% | 4,405 |
| Cash dividends to net income (ytd only)* | 45.0328% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 5,524 |
| Loan loss allowance to noncurrent loans | 132.9732% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.6729% | 5,780 |
| Noncurrent loans to loans | 0.8816% | 5,541 |
| Net loans and leases to total assets | 69.9587% | 3,266 |
| Net loans and leases to deposits | 86.8187% | 2,773 |
| Net loans and leases to core deposits | 105.7220% | 3,369 |
| Total domestic deposits to total assets | 80.5802% | 5,483 |
| Equity capital to assets | 8.8517% | 5,355 |
| Core capital (leverage) ratio | 8.3763% | 5,486 |
| Tier 1 risk-based capital ratio | 12.6907% | 4,372 |
| Total risk-based capital ratio | 13.9456% | 4,302 |
| Memoranda: | ||
| Average total assets | $359,743,000 | 1,888 |
| Average earning assets | $324,157,400 | 1,919 |
| Average equity | $27,777,600 | 2,394 |
| Average total loans | $252,655,800 | 1,875 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5505% | 4,151 |
| Cost of funding earning assets | 1.8933% | 3,917 |
| Net interest margin | 3.6572% | 4,244 |
| Noninterest income to average assets | 0.7066% | 2,973 |
| Noninterest expense to average assets | 3.0029% | 4,032 |
| Loan and lease loss provision to assets | 0.2443% | 5,008 |
| Net operating income to assets | 0.4946% | 4,007 |
| Return on assets (ROA) | 0.4997% | 4,078 |
| Pretax return on assets | 0.7593% | 3,668 |
| Return on Equity (ROE) | 6.7276% | 3,201 |
| Retained earnings to average equity (ytd only) | 2.5794% | 3,874 |
| Net charge-offs to loans | 0.0885% | 5,800 |
| Credit loss provision to net charge-offs | 393.9759% | 1,017 |
| Earnings coverage of net charge-offs (x) | 16.0601% | 1,494 |
| Efficiency ratio | 72.4454% | 4,160 |
| Assets per employee ($millions) | 3.7723% | 4,251 |
| Cash dividends to net income (ytd only)* | 61.6589% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 5,334 |
| Loan loss allowance to noncurrent loans | 120.4231% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.7777% | 5,574 |
| Noncurrent loans to loans | 0.9661% | 5,363 |
| Net loans and leases to total assets | 68.0214% | 3,954 |
| Net loans and leases to deposits | 83.7559% | 3,688 |
| Net loans and leases to core deposits | 97.9889% | 4,602 |
| Total domestic deposits to total assets | 81.2139% | 4,992 |
| Equity capital to assets | 8.6137% | 6,097 |
| Core capital (leverage) ratio | 8.3603% | 5,731 |
| Tier 1 risk-based capital ratio | 12.2887% | 4,720 |
| Total risk-based capital ratio | 13.5268% | 4,668 |
| Memoranda: | ||
| Average total assets | $356,984,750 | 1,920 |
| Average earning assets | $321,331,000 | 1,952 |
| Average equity | $26,517,000 | 2,502 |
| Average total loans | $250,203,000 | 1,917 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5963% | 4,101 |
| Cost of funding earning assets | 2.0044% | 3,753 |
| Net interest margin | 3.5919% | 4,398 |
| Noninterest income to average assets | 0.7059% | 2,956 |
| Noninterest expense to average assets | 2.9896% | 4,127 |
| Loan and lease loss provision to assets | 0.2308% | 4,739 |
| Net operating income to assets | 0.4860% | 4,138 |
| Return on assets (ROA) | 0.4071% | 4,593 |
| Pretax return on assets | 0.6191% | 4,274 |
| Return on Equity (ROE) | 5.8041% | 3,744 |
| Retained earnings to average equity (ytd only) | -0.8649% | 5,444 |
| Net charge-offs to loans | 0.0860% | 5,349 |
| Credit loss provision to net charge-offs | 380.3738% | 1,220 |
| Earnings coverage of net charge-offs (x) | 15.9813% | 1,558 |
| Efficiency ratio | 72.9916% | 4,199 |
| Assets per employee ($millions) | 3.4329% | 4,997 |
| Cash dividends to net income (ytd only)* | 114.9025% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 5,543 |
| Loan loss allowance to noncurrent loans | 107.5252% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.8159% | 5,353 |
| Noncurrent loans to loans | 1.0304% | 5,156 |
| Net loans and leases to total assets | 71.3595% | 3,391 |
| Net loans and leases to deposits | 87.7543% | 3,206 |
| Net loans and leases to core deposits | 103.8607% | 4,081 |
| Total domestic deposits to total assets | 81.3174% | 4,957 |
| Equity capital to assets | 7.1104% | 7,547 |
| Core capital (leverage) ratio | 6.5712% | 7,760 |
| Tier 1 risk-based capital ratio | 10.1541% | 6,769 |
| Total risk-based capital ratio | 11.3823% | 6,716 |
| Memoranda: | ||
| Average total assets | $352,750,330 | 1,962 |
| Average earning assets | $319,495,000 | 1,988 |
| Average equity | $24,741,330 | 2,664 |
| Average total loans | $248,795,000 | 1,954 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5288% | 4,758 |
| Cost of funding earning assets | 2.0744% | 3,775 |
| Net interest margin | 3.4544% | 4,923 |
| Noninterest income to average assets | 0.7364% | 2,675 |
| Noninterest expense to average assets | 2.8367% | 4,398 |
| Loan and lease loss provision to assets | 0.1518% | 4,985 |
| Net operating income to assets | 0.6357% | 3,863 |
| Return on assets (ROA) | 0.7061% | 3,720 |
| Pretax return on assets | 0.9782% | 3,432 |
| Return on Equity (ROE) | 10.1350% | 2,271 |
| Retained earnings to average equity (ytd only) | 10.1350% | 1,159 |
| Net charge-offs to loans | 0.0871% | 4,293 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,525 |
| Efficiency ratio | 73.3217% | 3,946 |
| Assets per employee ($millions) | 3.7266% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 5,911 |
| Loan loss allowance to noncurrent loans | 116.0455% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.7137% | 5,373 |
| Noncurrent loans to loans | 0.8901% | 5,221 |
| Net loans and leases to total assets | 67.6678% | 4,212 |
| Net loans and leases to deposits | 83.3232% | 4,088 |
| Net loans and leases to core deposits | 98.3475% | 4,708 |
| Total domestic deposits to total assets | 81.2112% | 4,887 |
| Equity capital to assets | 6.9074% | 7,720 |
| Core capital (leverage) ratio | 6.6671% | 7,811 |
| Tier 1 risk-based capital ratio | 10.1573% | 6,755 |
| Total risk-based capital ratio | 11.2616% | 6,813 |
| Memoranda: | ||
| Average total assets | $355,766,000 | 1,950 |
| Average earning assets | $322,599,500 | 1,969 |
| Average equity | $24,785,500 | 2,675 |
| Average total loans | $248,098,000 | 1,976 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0582% | 5,258 |
| Cost of funding earning assets | 2.4235% | 4,616 |
| Net interest margin | 3.6347% | 4,736 |
| Noninterest income to average assets | 0.7079% | 3,073 |
| Noninterest expense to average assets | 2.8361% | 4,661 |
| Loan and lease loss provision to assets | 0.2404% | 4,499 |
| Net operating income to assets | 0.6767% | 3,998 |
| Return on assets (ROA) | 0.1888% | 5,703 |
| Pretax return on assets | 0.2480% | 5,633 |
| Return on Equity (ROE) | 2.5037% | 5,417 |
| Retained earnings to average equity (ytd only) | -0.9952% | 5,593 |
| Net charge-offs to loans | 0.0218% | 6,543 |
| Credit loss provision to net charge-offs | 1,607.8431% | 272 |
| Earnings coverage of net charge-offs (x) | 75.6078% | 541 |
| Efficiency ratio | 71.5025% | 4,036 |
| Assets per employee ($millions) | 3.5719% | 4,496 |
| Cash dividends to net income (ytd only)* | 139.7516% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 6,122 |
| Loan loss allowance to noncurrent loans | 106.5030% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.7590% | 4,948 |
| Noncurrent loans to loans | 0.9324% | 4,747 |
| Net loans and leases to total assets | 70.4365% | 3,918 |
| Net loans and leases to deposits | 91.3058% | 3,243 |
| Net loans and leases to core deposits | 107.5234% | 4,021 |
| Total domestic deposits to total assets | 77.1436% | 5,957 |
| Equity capital to assets | 7.0281% | 7,724 |
| Core capital (leverage) ratio | 6.7585% | 7,834 |
| Tier 1 risk-based capital ratio | 9.7769% | 6,977 |
| Total risk-based capital ratio | 10.8212% | 7,135 |
| Memoranda: | ||
| Average total assets | $341,138,200 | 1,951 |
| Average earning assets | $305,832,800 | 1,996 |
| Average equity | $25,722,200 | 2,584 |
| Average total loans | $233,618,800 | 2,020 |