Home > PEDESTAL BANK > Performance and Condition Ratios
PEDESTAL BANK, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2714% | 582 |
| Cost of funding earning assets | 0.7899% | 2,453 |
| Net interest margin | 4.4816% | 527 |
| Noninterest income to average assets | 0.8546% | 1,155 |
| Noninterest expense to average assets | 2.9767% | 1,938 |
| Loan and lease loss provision to assets | 0.2076% | 1,477 |
| Net operating income to assets | 1.8034% | 412 |
| Return on assets (ROA) | 1.8034% | 455 |
| Pretax return on assets | 1.8034% | 694 |
| Return on Equity (ROE) | 13.7784% | 743 |
| Retained earnings to average equity (ytd only) | 13.7784% | 270 |
| Net charge-offs to loans | 0.3966% | 365 |
| Credit loss provision to net charge-offs | 76.7414% | 1,950 |
| Earnings coverage of net charge-offs (x) | 7.4345% | 1,921 |
| Efficiency ratio | 59.5467% | 3,806 |
| Assets per employee ($millions) | 4.3801% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 2,061 |
| Loan loss allowance to noncurrent loans | 87.2641% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.1974% | 1,041 |
| Noncurrent loans to loans | 1.5107% | 1,058 |
| Net loans and leases to total assets | 66.3962% | 2,767 |
| Net loans and leases to deposits | 80.0065% | 2,679 |
| Net loans and leases to core deposits | 89.6634% | 2,378 |
| Total domestic deposits to total assets | 82.9885% | 3,118 |
| Equity capital to assets | 13.2127% | 1,334 |
| Core capital (leverage) ratio | 12.0204% | 1,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4153% | 1,250 |
| Memoranda: | ||
| Average total assets | $1,252,508,500 | 663 |
| Average earning assets | $1,155,133,500 | 657 |
| Average equity | $163,938,000 | 609 |
| Average total loans | $854,162,000 | 706 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3606% | 727 |
| Cost of funding earning assets | 0.7990% | 2,686 |
| Net interest margin | 4.5617% | 623 |
| Noninterest income to average assets | 0.8316% | 1,356 |
| Noninterest expense to average assets | 3.1105% | 1,730 |
| Loan and lease loss provision to assets | 0.1569% | 1,343 |
| Net operating income to assets | 1.7853% | 536 |
| Return on assets (ROA) | 1.8026% | 547 |
| Pretax return on assets | 1.8026% | 929 |
| Return on Equity (ROE) | 14.2900% | 843 |
| Retained earnings to average equity (ytd only) | 4.6550% | 2,616 |
| Net charge-offs to loans | 0.2807% | 747 |
| Credit loss provision to net charge-offs | 80.8537% | 2,785 |
| Earnings coverage of net charge-offs (x) | 10.0075% | 2,607 |
| Efficiency ratio | 61.4259% | 3,473 |
| Assets per employee ($millions) | 4.0772% | 3,818 |
| Cash dividends to net income (ytd only)* | 67.4252% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 1,816 |
| Loan loss allowance to noncurrent loans | 229.5102% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.6050% | 2,085 |
| Noncurrent loans to loans | 0.5772% | 2,457 |
| Net loans and leases to total assets | 68.2065% | 2,653 |
| Net loans and leases to deposits | 82.8807% | 2,459 |
| Net loans and leases to core deposits | 92.7504% | 2,182 |
| Total domestic deposits to total assets | 82.2948% | 3,424 |
| Equity capital to assets | 12.9631% | 1,551 |
| Core capital (leverage) ratio | 11.6531% | 1,997 |
| Tier 1 risk-based capital ratio | 15.6272% | 2,534 |
| Total risk-based capital ratio | 16.8688% | 2,474 |
| Memoranda: | ||
| Average total assets | $1,243,336,800 | 637 |
| Average earning assets | $1,150,499,400 | 630 |
| Average equity | $156,843,400 | 599 |
| Average total loans | $859,723,600 | 667 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3392% | 794 |
| Cost of funding earning assets | 0.7934% | 2,752 |
| Net interest margin | 4.5458% | 692 |
| Noninterest income to average assets | 0.8298% | 1,329 |
| Noninterest expense to average assets | 3.0927% | 1,727 |
| Loan and lease loss provision to assets | 0.1870% | 965 |
| Net operating income to assets | 1.7555% | 672 |
| Return on assets (ROA) | 1.7787% | 675 |
| Pretax return on assets | 1.7787% | 1,142 |
| Return on Equity (ROE) | 14.1981% | 942 |
| Retained earnings to average equity (ytd only) | 5.7380% | 2,485 |
| Net charge-offs to loans | 0.2990% | 585 |
| Credit loss provision to net charge-offs | 90.4564% | 2,390 |
| Earnings coverage of net charge-offs (x) | 9.3952% | 2,575 |
| Efficiency ratio | 61.2847% | 3,439 |
| Assets per employee ($millions) | 4.0536% | 3,830 |
| Cash dividends to net income (ytd only)* | 59.5864% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 1,736 |
| Loan loss allowance to noncurrent loans | 163.9353% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.7998% | 1,722 |
| Noncurrent loans to loans | 0.8273% | 1,913 |
| Net loans and leases to total assets | 68.3902% | 2,733 |
| Net loans and leases to deposits | 83.2352% | 2,538 |
| Net loans and leases to core deposits | 93.1754% | 2,247 |
| Total domestic deposits to total assets | 82.1650% | 3,429 |
| Equity capital to assets | 13.0508% | 1,596 |
| Core capital (leverage) ratio | 11.6982% | 2,076 |
| Tier 1 risk-based capital ratio | 15.7287% | 2,541 |
| Total risk-based capital ratio | 16.9791% | 2,479 |
| Memoranda: | ||
| Average total assets | $1,243,284,750 | 640 |
| Average earning assets | $1,150,190,750 | 631 |
| Average equity | $155,753,750 | 603 |
| Average total loans | $859,763,250 | 673 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2763% | 851 |
| Cost of funding earning assets | 0.7778% | 2,759 |
| Net interest margin | 4.4985% | 773 |
| Noninterest income to average assets | 0.8095% | 1,319 |
| Noninterest expense to average assets | 3.0946% | 1,746 |
| Loan and lease loss provision to assets | 0.2353% | 681 |
| Net operating income to assets | 1.6482% | 812 |
| Return on assets (ROA) | 1.6622% | 820 |
| Pretax return on assets | 1.6622% | 1,357 |
| Return on Equity (ROE) | 13.4552% | 1,110 |
| Retained earnings to average equity (ytd only) | 4.9027% | 2,820 |
| Net charge-offs to loans | 0.3494% | 478 |
| Credit loss provision to net charge-offs | 97.4700% | 2,039 |
| Earnings coverage of net charge-offs (x) | 7.8016% | 2,461 |
| Efficiency ratio | 62.0245% | 3,429 |
| Assets per employee ($millions) | 4.1445% | 3,660 |
| Cash dividends to net income (ytd only)* | 63.5625% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3624% | 1,766 |
| Loan loss allowance to noncurrent loans | 117.8643% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.0408% | 1,327 |
| Noncurrent loans to loans | 1.1559% | 1,398 |
| Net loans and leases to total assets | 68.7715% | 2,712 |
| Net loans and leases to deposits | 83.3026% | 2,571 |
| Net loans and leases to core deposits | 92.9844% | 2,329 |
| Total domestic deposits to total assets | 82.5563% | 3,353 |
| Equity capital to assets | 12.6671% | 1,765 |
| Core capital (leverage) ratio | 11.3091% | 2,328 |
| Tier 1 risk-based capital ratio | 15.3899% | 2,662 |
| Total risk-based capital ratio | 16.6405% | 2,593 |
| Memoranda: | ||
| Average total assets | $1,244,242,000 | 637 |
| Average earning assets | $1,153,011,000 | 631 |
| Average equity | $153,710,330 | 607 |
| Average total loans | $859,689,330 | 674 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1856% | 933 |
| Cost of funding earning assets | 0.7496% | 2,792 |
| Net interest margin | 4.4361% | 832 |
| Noninterest income to average assets | 0.8609% | 1,142 |
| Noninterest expense to average assets | 3.0889% | 1,756 |
| Loan and lease loss provision to assets | 0.1032% | 1,707 |
| Net operating income to assets | 1.7807% | 605 |
| Return on assets (ROA) | 1.8057% | 593 |
| Pretax return on assets | 1.8057% | 973 |
| Return on Equity (ROE) | 14.8045% | 789 |
| Retained earnings to average equity (ytd only) | 14.8045% | 289 |
| Net charge-offs to loans | 0.2145% | 655 |
| Credit loss provision to net charge-offs | 69.9346% | 1,853 |
| Earnings coverage of net charge-offs (x) | 12.7712% | 1,859 |
| Efficiency ratio | 61.9814% | 3,535 |
| Assets per employee ($millions) | 4.2783% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 1,733 |
| Loan loss allowance to noncurrent loans | 115.3922% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.9537% | 1,474 |
| Noncurrent loans to loans | 1.2008% | 1,377 |
| Net loans and leases to total assets | 65.8083% | 3,084 |
| Net loans and leases to deposits | 79.3001% | 2,919 |
| Net loans and leases to core deposits | 88.1628% | 2,664 |
| Total domestic deposits to total assets | 82.9865% | 3,390 |
| Equity capital to assets | 12.3207% | 1,834 |
| Core capital (leverage) ratio | 11.5230% | 2,121 |
| Tier 1 risk-based capital ratio | 16.0862% | 2,398 |
| Total risk-based capital ratio | 17.3373% | 2,346 |
| Memoranda: | ||
| Average total assets | $1,244,695,500 | 646 |
| Average earning assets | $1,153,727,000 | 638 |
| Average equity | $151,818,500 | 609 |
| Average total loans | $856,099,000 | 682 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2887% | 594 |
| Cost of funding earning assets | 0.5701% | 2,922 |
| Net interest margin | 4.7186% | 466 |
| Noninterest income to average assets | 0.8906% | 1,197 |
| Noninterest expense to average assets | 3.2423% | 1,448 |
| Loan and lease loss provision to assets | 0.2935% | 550 |
| Net operating income to assets | 1.6911% | 707 |
| Return on assets (ROA) | 1.6919% | 703 |
| Pretax return on assets | 1.6919% | 1,190 |
| Return on Equity (ROE) | 14.2462% | 992 |
| Retained earnings to average equity (ytd only) | 3.6447% | 3,575 |
| Net charge-offs to loans | 0.4588% | 397 |
| Credit loss provision to net charge-offs | 89.6368% | 2,724 |
| Earnings coverage of net charge-offs (x) | 6.0615% | 3,128 |
| Efficiency ratio | 61.9067% | 3,547 |
| Assets per employee ($millions) | 4.1632% | 3,665 |
| Cash dividends to net income (ytd only)* | 74.4163% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 1,761 |
| Loan loss allowance to noncurrent loans | 130.2837% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 1,512 |
| Noncurrent loans to loans | 1.0488% | 1,558 |
| Net loans and leases to total assets | 69.8755% | 2,577 |
| Net loans and leases to deposits | 83.9233% | 2,517 |
| Net loans and leases to core deposits | 93.0042% | 2,315 |
| Total domestic deposits to total assets | 83.2612% | 3,238 |
| Equity capital to assets | 12.1384% | 1,793 |
| Core capital (leverage) ratio | 11.3042% | 2,267 |
| Tier 1 risk-based capital ratio | 15.4578% | 2,643 |
| Total risk-based capital ratio | 16.7089% | 2,560 |
| Memoranda: | ||
| Average total assets | $1,202,464,400 | 639 |
| Average earning assets | $1,105,032,600 | 642 |
| Average equity | $142,810,000 | 608 |
| Average total loans | $858,186,200 | 651 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2087% | 617 |
| Cost of funding earning assets | 0.5259% | 3,020 |
| Net interest margin | 4.6829% | 489 |
| Noninterest income to average assets | 0.8166% | 1,422 |
| Noninterest expense to average assets | 3.2810% | 1,338 |
| Loan and lease loss provision to assets | 0.2584% | 602 |
| Net operating income to assets | 1.5718% | 1,023 |
| Return on assets (ROA) | 1.5718% | 1,024 |
| Pretax return on assets | 1.5718% | 1,668 |
| Return on Equity (ROE) | 13.3094% | 1,328 |
| Retained earnings to average equity (ytd only) | 4.9109% | 3,285 |
| Net charge-offs to loans | 0.4293% | 372 |
| Credit loss provision to net charge-offs | 84.1800% | 2,480 |
| Earnings coverage of net charge-offs (x) | 5.9623% | 2,927 |
| Efficiency ratio | 64.0684% | 3,175 |
| Assets per employee ($millions) | 4.0872% | 3,753 |
| Cash dividends to net income (ytd only)* | 63.1023% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 1,855 |
| Loan loss allowance to noncurrent loans | 99.4531% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.1559% | 1,231 |
| Noncurrent loans to loans | 1.3651% | 1,221 |
| Net loans and leases to total assets | 70.7476% | 2,537 |
| Net loans and leases to deposits | 84.8844% | 2,492 |
| Net loans and leases to core deposits | 94.0500% | 2,282 |
| Total domestic deposits to total assets | 83.3459% | 3,183 |
| Equity capital to assets | 12.0525% | 1,879 |
| Core capital (leverage) ratio | 11.4609% | 2,205 |
| Tier 1 risk-based capital ratio | 15.3244% | 2,727 |
| Total risk-based capital ratio | 16.5753% | 2,651 |
| Memoranda: | ||
| Average total assets | $1,197,088,750 | 641 |
| Average earning assets | $1,097,818,750 | 645 |
| Average equity | $141,370,000 | 612 |
| Average total loans | $855,957,500 | 649 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1505% | 604 |
| Cost of funding earning assets | 0.4724% | 3,205 |
| Net interest margin | 4.6781% | 465 |
| Noninterest income to average assets | 0.9180% | 1,134 |
| Noninterest expense to average assets | 3.1792% | 1,592 |
| Loan and lease loss provision to assets | 0.3651% | 349 |
| Net operating income to assets | 1.6720% | 766 |
| Return on assets (ROA) | 1.6720% | 772 |
| Pretax return on assets | 1.6720% | 1,292 |
| Return on Equity (ROE) | 14.2580% | 1,024 |
| Retained earnings to average equity (ytd only) | 5.7570% | 2,694 |
| Net charge-offs to loans | 0.5877% | 255 |
| Credit loss provision to net charge-offs | 86.9652% | 2,194 |
| Earnings coverage of net charge-offs (x) | 4.8525% | 2,763 |
| Efficiency ratio | 60.8347% | 3,790 |
| Assets per employee ($millions) | 4.0514% | 3,816 |
| Cash dividends to net income (ytd only)* | 59.6225% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 1,900 |
| Loan loss allowance to noncurrent loans | 109.9235% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.0407% | 1,441 |
| Noncurrent loans to loans | 1.2365% | 1,401 |
| Net loans and leases to total assets | 71.4738% | 2,367 |
| Net loans and leases to deposits | 85.6849% | 2,353 |
| Net loans and leases to core deposits | 94.7740% | 2,153 |
| Total domestic deposits to total assets | 83.4146% | 3,278 |
| Equity capital to assets | 12.0532% | 1,822 |
| Core capital (leverage) ratio | 11.5192% | 2,056 |
| Tier 1 risk-based capital ratio | 15.0491% | 2,852 |
| Total risk-based capital ratio | 16.3001% | 2,777 |
| Memoranda: | ||
| Average total assets | $1,191,484,330 | 646 |
| Average earning assets | $1,094,765,330 | 644 |
| Average equity | $139,724,670 | 615 |
| Average total loans | $851,067,670 | 645 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0290% | 662 |
| Cost of funding earning assets | 0.4337% | 3,339 |
| Net interest margin | 4.5953% | 505 |
| Noninterest income to average assets | 0.9225% | 1,092 |
| Noninterest expense to average assets | 3.1230% | 1,761 |
| Loan and lease loss provision to assets | 0.5058% | 205 |
| Net operating income to assets | 1.5265% | 1,016 |
| Return on assets (ROA) | 1.5265% | 1,020 |
| Pretax return on assets | 1.5265% | 1,606 |
| Return on Equity (ROE) | 13.2051% | 1,205 |
| Retained earnings to average equity (ytd only) | 13.2051% | 494 |
| Net charge-offs to loans | 1.0485% | 134 |
| Credit loss provision to net charge-offs | 68.0328% | 1,845 |
| Earnings coverage of net charge-offs (x) | 2.7336% | 2,437 |
| Efficiency ratio | 60.4873% | 4,006 |
| Assets per employee ($millions) | 4.0639% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 1,980 |
| Loan loss allowance to noncurrent loans | 91.9319% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.1984% | 1,273 |
| Noncurrent loans to loans | 1.4823% | 1,191 |
| Net loans and leases to total assets | 70.2384% | 2,438 |
| Net loans and leases to deposits | 83.6302% | 2,430 |
| Net loans and leases to core deposits | 91.8702% | 2,311 |
| Total domestic deposits to total assets | 83.9869% | 3,335 |
| Equity capital to assets | 12.3033% | 1,597 |
| Core capital (leverage) ratio | 11.6925% | 1,859 |
| Tier 1 risk-based capital ratio | 15.1066% | 2,824 |
| Total risk-based capital ratio | 16.3571% | 2,760 |
| Memoranda: | ||
| Average total assets | $1,181,549,000 | 653 |
| Average earning assets | $1,088,326,500 | 653 |
| Average equity | $136,583,500 | 626 |
| Average total loans | $837,736,000 | 655 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2911% | 372 |
| Cost of funding earning assets | 0.5996% | 1,593 |
| Net interest margin | 4.6914% | 430 |
| Noninterest income to average assets | 0.8222% | 1,492 |
| Noninterest expense to average assets | 2.7499% | 2,954 |
| Loan and lease loss provision to assets | 0.0466% | 3,301 |
| Net operating income to assets | 2.4360% | 132 |
| Return on assets (ROA) | 2.1590% | 211 |
| Pretax return on assets | 2.1590% | 340 |
| Return on Equity (ROE) | 21.6517% | 134 |
| Retained earnings to average equity (ytd only) | 5.6168% | 1,757 |
| Net charge-offs to loans | 0.0658% | 2,535 |
| Credit loss provision to net charge-offs | 89.1304% | 2,806 |
| Earnings coverage of net charge-offs (x) | 47.5261% | 1,128 |
| Efficiency ratio | 52.5544% | 5,069 |
| Assets per employee ($millions) | 4.8779% | 2,636 |
| Cash dividends to net income (ytd only)* | 74.0585% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8301% | 738 |
| Loan loss allowance to noncurrent loans | 171.3296% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.9293% | 1,663 |
| Noncurrent loans to loans | 1.0682% | 1,669 |
| Net loans and leases to total assets | 75.2219% | 1,718 |
| Net loans and leases to deposits | 88.1784% | 2,000 |
| Net loans and leases to core deposits | 97.9360% | 1,865 |
| Total domestic deposits to total assets | 85.3065% | 2,724 |
| Equity capital to assets | 9.5815% | 4,157 |
| Core capital (leverage) ratio | 9.8178% | 3,678 |
| Tier 1 risk-based capital ratio | 11.9697% | 4,553 |
| Total risk-based capital ratio | 13.2289% | 4,430 |
| Memoranda: | ||
| Average total assets | $440,306,600 | 1,579 |
| Average earning assets | $413,924,000 | 1,553 |
| Average equity | $43,904,200 | 1,693 |
| Average total loans | $349,713,200 | 1,377 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2729% | 362 |
| Cost of funding earning assets | 0.5850% | 1,644 |
| Net interest margin | 4.6879% | 418 |
| Noninterest income to average assets | 0.6664% | 2,140 |
| Noninterest expense to average assets | 2.7360% | 2,940 |
| Loan and lease loss provision to assets | 0.0431% | 3,240 |
| Net operating income to assets | 2.3202% | 174 |
| Return on assets (ROA) | 2.3187% | 175 |
| Pretax return on assets | 2.3187% | 290 |
| Return on Equity (ROE) | 23.0169% | 106 |
| Retained earnings to average equity (ytd only) | 12.5928% | 254 |
| Net charge-offs to loans | 0.0550% | 2,352 |
| Credit loss provision to net charge-offs | 97.9167% | 2,342 |
| Earnings coverage of net charge-offs (x) | 53.6376% | 1,070 |
| Efficiency ratio | 53.6541% | 4,957 |
| Assets per employee ($millions) | 4.6228% | 2,943 |
| Cash dividends to net income (ytd only)* | 45.2890% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8360% | 794 |
| Loan loss allowance to noncurrent loans | 188.3796% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 1.1608% | 1,427 |
| Noncurrent loans to loans | 0.9746% | 1,975 |
| Net loans and leases to total assets | 78.5501% | 1,189 |
| Net loans and leases to deposits | 93.2041% | 1,395 |
| Net loans and leases to core deposits | 105.3946% | 1,311 |
| Total domestic deposits to total assets | 84.2775% | 3,008 |
| Equity capital to assets | 10.4800% | 3,397 |
| Core capital (leverage) ratio | 10.4453% | 3,044 |
| Tier 1 risk-based capital ratio | 12.0598% | 4,563 |
| Total risk-based capital ratio | 13.3212% | 4,452 |
| Memoranda: | ||
| Average total assets | $435,753,000 | 1,600 |
| Average earning assets | $412,058,000 | 1,570 |
| Average equity | $43,897,000 | 1,707 |
| Average total loans | $349,307,000 | 1,392 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2128% | 389 |
| Cost of funding earning assets | 0.5741% | 1,618 |
| Net interest margin | 4.6388% | 442 |
| Noninterest income to average assets | 0.6355% | 2,286 |
| Noninterest expense to average assets | 2.7390% | 2,960 |
| Loan and lease loss provision to assets | 0.0368% | 3,270 |
| Net operating income to assets | 2.2549% | 192 |
| Return on assets (ROA) | 2.2526% | 193 |
| Pretax return on assets | 2.2526% | 322 |
| Return on Equity (ROE) | 22.6685% | 115 |
| Retained earnings to average equity (ytd only) | 12.0173% | 320 |
| Net charge-offs to loans | 0.0625% | 2,031 |
| Credit loss provision to net charge-offs | 73.3945% | 2,343 |
| Earnings coverage of net charge-offs (x) | 45.6881% | 1,145 |
| Efficiency ratio | 54.4457% | 4,984 |
| Assets per employee ($millions) | 4.4669% | 3,163 |
| Cash dividends to net income (ytd only)* | 46.9867% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8738% | 760 |
| Loan loss allowance to noncurrent loans | 307.6113% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.8798% | 2,014 |
| Noncurrent loans to loans | 0.6091% | 2,900 |
| Net loans and leases to total assets | 80.1457% | 930 |
| Net loans and leases to deposits | 90.2723% | 1,691 |
| Net loans and leases to core deposits | 102.8739% | 1,446 |
| Total domestic deposits to total assets | 88.7821% | 1,066 |
| Equity capital to assets | 10.5975% | 3,233 |
| Core capital (leverage) ratio | 9.8044% | 3,772 |
| Tier 1 risk-based capital ratio | 12.0511% | 4,605 |
| Total risk-based capital ratio | 13.3142% | 4,468 |
| Memoranda: | ||
| Average total assets | $434,614,670 | 1,609 |
| Average earning assets | $411,791,670 | 1,570 |
| Average equity | $43,187,670 | 1,731 |
| Average total loans | $348,603,000 | 1,397 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1365% | 417 |
| Cost of funding earning assets | 0.5578% | 1,672 |
| Net interest margin | 4.5787% | 454 |
| Noninterest income to average assets | 0.6118% | 2,362 |
| Noninterest expense to average assets | 2.6689% | 3,253 |
| Loan and lease loss provision to assets | 0.0525% | 2,762 |
| Net operating income to assets | 2.2363% | 214 |
| Return on assets (ROA) | 2.2363% | 219 |
| Pretax return on assets | 2.2363% | 334 |
| Return on Equity (ROE) | 23.2384% | 115 |
| Retained earnings to average equity (ytd only) | 23.2384% | 63 |
| Net charge-offs to loans | 0.0558% | 1,774 |
| Credit loss provision to net charge-offs | 118.3673% | 1,412 |
| Earnings coverage of net charge-offs (x) | 51.6122% | 879 |
| Efficiency ratio | 53.8335% | 5,144 |
| Assets per employee ($millions) | 4.9891% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8672% | 843 |
| Loan loss allowance to noncurrent loans | 179.5057% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 1.1574% | 1,527 |
| Noncurrent loans to loans | 1.0402% | 1,976 |
| Net loans and leases to total assets | 75.6564% | 1,466 |
| Net loans and leases to deposits | 84.3903% | 2,239 |
| Net loans and leases to core deposits | 99.5123% | 1,545 |
| Total domestic deposits to total assets | 89.6506% | 827 |
| Equity capital to assets | 9.7826% | 3,992 |
| Core capital (leverage) ratio | 9.8041% | 3,750 |
| Tier 1 risk-based capital ratio | 11.9599% | 4,744 |
| Total risk-based capital ratio | 13.2231% | 4,637 |
| Memoranda: | ||
| Average total assets | $441,980,000 | 1,597 |
| Average earning assets | $419,505,000 | 1,561 |
| Average equity | $42,533,000 | 1,756 |
| Average total loans | $351,432,000 | 1,393 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3342% | 336 |
| Cost of funding earning assets | 0.5618% | 1,593 |
| Net interest margin | 4.7724% | 369 |
| Noninterest income to average assets | 0.6159% | 2,573 |
| Noninterest expense to average assets | 2.6705% | 3,446 |
| Loan and lease loss provision to assets | 0.2740% | 732 |
| Net operating income to assets | 2.2001% | 227 |
| Return on assets (ROA) | 1.9445% | 374 |
| Pretax return on assets | 1.9445% | 569 |
| Return on Equity (ROE) | 19.7080% | 222 |
| Retained earnings to average equity (ytd only) | -4.1220% | 5,642 |
| Net charge-offs to loans | 0.3872% | 693 |
| Credit loss provision to net charge-offs | 87.9195% | 2,840 |
| Earnings coverage of net charge-offs (x) | 7.9389% | 2,949 |
| Efficiency ratio | 51.9086% | 5,388 |
| Assets per employee ($millions) | 4.6768% | 2,832 |
| Cash dividends to net income (ytd only)* | 120.9155% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8097% | 927 |
| Loan loss allowance to noncurrent loans | 170.7672% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 1.3048% | 1,345 |
| Noncurrent loans to loans | 1.0598% | 1,956 |
| Net loans and leases to total assets | 80.5244% | 811 |
| Net loans and leases to deposits | 89.5374% | 1,733 |
| Net loans and leases to core deposits | 105.8871% | 1,139 |
| Total domestic deposits to total assets | 89.9337% | 662 |
| Equity capital to assets | 9.4588% | 4,314 |
| Core capital (leverage) ratio | 9.4454% | 4,163 |
| Tier 1 risk-based capital ratio | 10.9954% | 5,349 |
| Total risk-based capital ratio | 12.2565% | 5,234 |
| Memoranda: | ||
| Average total assets | $430,295,200 | 1,580 |
| Average earning assets | $408,330,800 | 1,540 |
| Average equity | $42,454,800 | 1,742 |
| Average total loans | $346,294,800 | 1,350 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3244% | 348 |
| Cost of funding earning assets | 0.5569% | 1,633 |
| Net interest margin | 4.7675% | 384 |
| Noninterest income to average assets | 0.6021% | 2,650 |
| Noninterest expense to average assets | 2.6661% | 3,445 |
| Loan and lease loss provision to assets | 0.3079% | 544 |
| Net operating income to assets | 2.1525% | 266 |
| Return on assets (ROA) | 2.1525% | 278 |
| Pretax return on assets | 2.1525% | 422 |
| Return on Equity (ROE) | 21.5903% | 169 |
| Retained earnings to average equity (ytd only) | -3.2130% | 5,661 |
| Net charge-offs to loans | 0.4942% | 431 |
| Credit loss provision to net charge-offs | 77.7865% | 2,693 |
| Earnings coverage of net charge-offs (x) | 6.2159% | 3,023 |
| Efficiency ratio | 52.0061% | 5,387 |
| Assets per employee ($millions) | 4.6332% | 2,863 |
| Cash dividends to net income (ytd only)* | 114.8816% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7873% | 1,035 |
| Loan loss allowance to noncurrent loans | 186.2140% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 1.2314% | 1,603 |
| Noncurrent loans to loans | 0.9598% | 2,321 |
| Net loans and leases to total assets | 80.7875% | 786 |
| Net loans and leases to deposits | 90.1248% | 1,737 |
| Net loans and leases to core deposits | 107.9686% | 1,055 |
| Total domestic deposits to total assets | 89.6396% | 608 |
| Equity capital to assets | 9.7031% | 4,463 |
| Core capital (leverage) ratio | 9.3673% | 4,372 |
| Tier 1 risk-based capital ratio | 11.7489% | 4,950 |
| Total risk-based capital ratio | 13.0135% | 4,839 |
| Memoranda: | ||
| Average total assets | $429,134,500 | 1,580 |
| Average earning assets | $407,244,250 | 1,539 |
| Average equity | $42,783,500 | 1,738 |
| Average total loans | $343,697,000 | 1,358 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1614% | 452 |
| Cost of funding earning assets | 0.5442% | 1,746 |
| Net interest margin | 4.6173% | 491 |
| Noninterest income to average assets | 0.5801% | 2,721 |
| Noninterest expense to average assets | 2.6900% | 3,429 |
| Loan and lease loss provision to assets | 0.2151% | 977 |
| Net operating income to assets | 2.0586% | 299 |
| Return on assets (ROA) | 2.0586% | 311 |
| Pretax return on assets | 2.0586% | 511 |
| Return on Equity (ROE) | 20.4649% | 221 |
| Retained earnings to average equity (ytd only) | 2.5332% | 4,273 |
| Net charge-offs to loans | 0.2693% | 887 |
| Credit loss provision to net charge-offs | 100.6550% | 2,077 |
| Earnings coverage of net charge-offs (x) | 10.6376% | 2,316 |
| Efficiency ratio | 54.1933% | 5,294 |
| Assets per employee ($millions) | 4.6670% | 2,771 |
| Cash dividends to net income (ytd only)* | 87.6219% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9553% | 810 |
| Loan loss allowance to noncurrent loans | 219.9269% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 1.0563% | 2,010 |
| Noncurrent loans to loans | 0.8891% | 2,509 |
| Net loans and leases to total assets | 75.6875% | 1,537 |
| Net loans and leases to deposits | 84.5953% | 2,397 |
| Net loans and leases to core deposits | 96.8939% | 1,900 |
| Total domestic deposits to total assets | 89.4702% | 700 |
| Equity capital to assets | 9.9495% | 4,289 |
| Core capital (leverage) ratio | 10.0192% | 3,546 |
| Tier 1 risk-based capital ratio | 12.7559% | 4,346 |
| Total risk-based capital ratio | 14.0227% | 4,243 |
| Memoranda: | ||
| Average total assets | $428,548,670 | 1,582 |
| Average earning assets | $406,863,000 | 1,544 |
| Average equity | $43,108,000 | 1,732 |
| Average total loans | $340,115,330 | 1,373 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2564% | 380 |
| Cost of funding earning assets | 0.5439% | 1,761 |
| Net interest margin | 4.7125% | 415 |
| Noninterest income to average assets | 0.5667% | 2,701 |
| Noninterest expense to average assets | 2.7893% | 3,112 |
| Loan and lease loss provision to assets | 0.0661% | 2,640 |
| Net operating income to assets | 2.1876% | 231 |
| Return on assets (ROA) | 2.1876% | 244 |
| Pretax return on assets | 2.1876% | 388 |
| Return on Equity (ROE) | 21.6257% | 174 |
| Retained earnings to average equity (ytd only) | 0.8404% | 4,889 |
| Net charge-offs to loans | 0.0305% | 2,342 |
| Credit loss provision to net charge-offs | 269.2308% | 907 |
| Earnings coverage of net charge-offs (x) | 91.7692% | 574 |
| Efficiency ratio | 55.3100% | 5,251 |
| Assets per employee ($millions) | 4.4390% | 3,184 |
| Cash dividends to net income (ytd only)* | 96.1140% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9578% | 883 |
| Loan loss allowance to noncurrent loans | 195.8836% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 1.2502% | 1,743 |
| Noncurrent loans to loans | 0.9995% | 2,388 |
| Net loans and leases to total assets | 77.4829% | 1,169 |
| Net loans and leases to deposits | 86.6567% | 1,993 |
| Net loans and leases to core deposits | 100.2292% | 1,465 |
| Total domestic deposits to total assets | 89.4136% | 882 |
| Equity capital to assets | 9.9759% | 4,105 |
| Core capital (leverage) ratio | 9.9223% | 3,636 |
| Tier 1 risk-based capital ratio | 12.4391% | 4,625 |
| Total risk-based capital ratio | 13.7058% | 4,520 |
| Memoranda: | ||
| Average total assets | $423,474,500 | 1,601 |
| Average earning assets | $402,250,500 | 1,560 |
| Average equity | $42,838,000 | 1,737 |
| Average total loans | $340,842,500 | 1,364 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2823% | 378 |
| Cost of funding earning assets | 0.5538% | 1,728 |
| Net interest margin | 4.7285% | 432 |
| Noninterest income to average assets | 0.5665% | 2,921 |
| Noninterest expense to average assets | 2.8216% | 3,144 |
| Loan and lease loss provision to assets | 0.1582% | 1,468 |
| Net operating income to assets | 2.0637% | 314 |
| Return on assets (ROA) | 2.0637% | 323 |
| Pretax return on assets | 2.0637% | 473 |
| Return on Equity (ROE) | 22.0989% | 171 |
| Retained earnings to average equity (ytd only) | 16.3193% | 109 |
| Net charge-offs to loans | 0.0099% | 4,117 |
| Credit loss provision to net charge-offs | 2,024.2424% | 165 |
| Earnings coverage of net charge-offs (x) | 284.3030% | 252 |
| Efficiency ratio | 55.9448% | 5,348 |
| Assets per employee ($millions) | 4.2925% | 3,398 |
| Cash dividends to net income (ytd only)* | 26.1533% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9385% | 898 |
| Loan loss allowance to noncurrent loans | 646.9208% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.7275% | 2,880 |
| Noncurrent loans to loans | 0.2997% | 4,383 |
| Net loans and leases to total assets | 80.4044% | 783 |
| Net loans and leases to deposits | 90.3309% | 1,575 |
| Net loans and leases to core deposits | 104.4256% | 1,199 |
| Total domestic deposits to total assets | 89.0110% | 1,113 |
| Equity capital to assets | 10.2606% | 3,669 |
| Core capital (leverage) ratio | 10.2203% | 3,240 |
| Tier 1 risk-based capital ratio | 12.5670% | 4,584 |
| Total risk-based capital ratio | 13.8306% | 4,477 |
| Memoranda: | ||
| Average total assets | $422,249,800 | 1,572 |
| Average earning assets | $399,785,400 | 1,532 |
| Average equity | $39,431,800 | 1,822 |
| Average total loans | $331,875,600 | 1,351 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1948% | 444 |
| Cost of funding earning assets | 0.5600% | 1,714 |
| Net interest margin | 4.6348% | 511 |
| Noninterest income to average assets | 0.5566% | 3,009 |
| Noninterest expense to average assets | 2.7543% | 3,367 |
| Loan and lease loss provision to assets | 0.2102% | 931 |
| Net operating income to assets | 1.9748% | 378 |
| Return on assets (ROA) | 1.9748% | 391 |
| Pretax return on assets | 1.9748% | 627 |
| Return on Equity (ROE) | 21.6730% | 201 |
| Retained earnings to average equity (ytd only) | 13.8029% | 219 |
| Net charge-offs to loans | 0.0146% | 3,668 |
| Credit loss provision to net charge-offs | 1,855.5556% | 202 |
| Earnings coverage of net charge-offs (x) | 192.8842% | 373 |
| Efficiency ratio | 55.7622% | 5,379 |
| Assets per employee ($millions) | 4.5517% | 2,917 |
| Cash dividends to net income (ytd only)* | 36.3129% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9117% | 1,046 |
| Loan loss allowance to noncurrent loans | 916.2050% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.6451% | 3,329 |
| Noncurrent loans to loans | 0.2087% | 4,813 |
| Net loans and leases to total assets | 79.3292% | 906 |
| Net loans and leases to deposits | 90.6110% | 1,571 |
| Net loans and leases to core deposits | 102.3135% | 1,360 |
| Total domestic deposits to total assets | 87.5492% | 1,780 |
| Equity capital to assets | 9.4421% | 4,823 |
| Core capital (leverage) ratio | 9.5722% | 4,207 |
| Tier 1 risk-based capital ratio | 11.3137% | 5,481 |
| Total risk-based capital ratio | 12.5765% | 5,382 |
| Memoranda: | ||
| Average total assets | $423,719,750 | 1,578 |
| Average earning assets | $400,671,250 | 1,540 |
| Average equity | $38,609,250 | 1,878 |
| Average total loans | $329,495,000 | 1,359 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1049% | 497 |
| Cost of funding earning assets | 0.5596% | 1,742 |
| Net interest margin | 4.5453% | 581 |
| Noninterest income to average assets | 0.5417% | 3,099 |
| Noninterest expense to average assets | 2.7390% | 3,454 |
| Loan and lease loss provision to assets | 0.1459% | 1,476 |
| Net operating income to assets | 1.9610% | 392 |
| Return on assets (ROA) | 1.9610% | 409 |
| Pretax return on assets | 1.9610% | 646 |
| Return on Equity (ROE) | 21.7875% | 201 |
| Retained earnings to average equity (ytd only) | 13.7375% | 249 |
| Net charge-offs to loans | 0.0235% | 3,200 |
| Credit loss provision to net charge-offs | 810.5263% | 423 |
| Earnings coverage of net charge-offs (x) | 117.0789% | 534 |
| Efficiency ratio | 56.5230% | 5,377 |
| Assets per employee ($millions) | 4.2523% | 3,383 |
| Cash dividends to net income (ytd only)* | 36.9476% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8790% | 1,211 |
| Loan loss allowance to noncurrent loans | 672.3656% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.7563% | 3,113 |
| Noncurrent loans to loans | 0.2795% | 4,672 |
| Net loans and leases to total assets | 77.5660% | 1,129 |
| Net loans and leases to deposits | 86.1009% | 2,040 |
| Net loans and leases to core deposits | 96.7448% | 1,736 |
| Total domestic deposits to total assets | 90.0874% | 622 |
| Equity capital to assets | 9.2513% | 4,955 |
| Core capital (leverage) ratio | 9.0918% | 4,832 |
| Tier 1 risk-based capital ratio | 11.3398% | 5,548 |
| Total risk-based capital ratio | 12.6026% | 5,472 |
| Memoranda: | ||
| Average total assets | $422,339,670 | 1,593 |
| Average earning assets | $399,927,330 | 1,550 |
| Average equity | $38,012,670 | 1,911 |
| Average total loans | $323,982,330 | 1,384 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9666% | 601 |
| Cost of funding earning assets | 0.5505% | 1,838 |
| Net interest margin | 4.4161% | 707 |
| Noninterest income to average assets | 0.5068% | 3,247 |
| Noninterest expense to average assets | 2.6646% | 3,713 |
| Loan and lease loss provision to assets | 0.0785% | 2,384 |
| Net operating income to assets | 1.9507% | 369 |
| Return on assets (ROA) | 1.9507% | 389 |
| Pretax return on assets | 1.9507% | 649 |
| Return on Equity (ROE) | 21.9784% | 186 |
| Retained earnings to average equity (ytd only) | 21.9784% | 70 |
| Net charge-offs to loans | 0.0200% | 2,753 |
| Credit loss provision to net charge-offs | 518.7500% | 528 |
| Earnings coverage of net charge-offs (x) | 134.1250% | 391 |
| Efficiency ratio | 56.7687% | 5,460 |
| Assets per employee ($millions) | 4.4486% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8487% | 1,397 |
| Loan loss allowance to noncurrent loans | 525.6299% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.8542% | 2,942 |
| Noncurrent loans to loans | 0.3517% | 4,535 |
| Net loans and leases to total assets | 74.4365% | 1,434 |
| Net loans and leases to deposits | 82.4559% | 2,280 |
| Net loans and leases to core deposits | 91.2138% | 2,008 |
| Total domestic deposits to total assets | 90.2742% | 620 |
| Equity capital to assets | 8.9891% | 5,305 |
| Core capital (leverage) ratio | 9.0640% | 4,881 |
| Tier 1 risk-based capital ratio | 11.3871% | 5,612 |
| Total risk-based capital ratio | 12.6497% | 5,517 |
| Memoranda: | ||
| Average total assets | $423,020,500 | 1,599 |
| Average earning assets | $401,075,500 | 1,556 |
| Average equity | $37,546,000 | 1,939 |
| Average total loans | $319,579,000 | 1,402 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2828% | 455 |
| Cost of funding earning assets | 0.6206% | 1,604 |
| Net interest margin | 4.6622% | 557 |
| Noninterest income to average assets | 0.5957% | 2,884 |
| Noninterest expense to average assets | 2.8465% | 3,322 |
| Loan and lease loss provision to assets | 0.1141% | 2,268 |
| Net operating income to assets | 2.0277% | 311 |
| Return on assets (ROA) | 2.0270% | 322 |
| Pretax return on assets | 2.0270% | 491 |
| Return on Equity (ROE) | 23.2966% | 141 |
| Retained earnings to average equity (ytd only) | 6.6635% | 1,563 |
| Net charge-offs to loans | 0.0830% | 3,307 |
| Credit loss provision to net charge-offs | 185.4251% | 1,318 |
| Earnings coverage of net charge-offs (x) | 34.8178% | 1,204 |
| Efficiency ratio | 57.0644% | 5,557 |
| Assets per employee ($millions) | 4.3635% | 3,248 |
| Cash dividends to net income (ytd only)* | 71.3970% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9182% | 1,274 |
| Loan loss allowance to noncurrent loans | 510.9308% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.9852% | 2,786 |
| Noncurrent loans to loans | 0.3754% | 4,518 |
| Net loans and leases to total assets | 73.8001% | 1,619 |
| Net loans and leases to deposits | 81.6593% | 2,518 |
| Net loans and leases to core deposits | 90.8986% | 2,191 |
| Total domestic deposits to total assets | 90.3756% | 584 |
| Equity capital to assets | 8.7577% | 5,528 |
| Core capital (leverage) ratio | 9.2122% | 4,663 |
| Tier 1 risk-based capital ratio | 11.6617% | 5,569 |
| Total risk-based capital ratio | 12.9190% | 5,474 |
| Memoranda: | ||
| Average total assets | $401,538,800 | 1,638 |
| Average earning assets | $378,319,000 | 1,599 |
| Average equity | $34,936,400 | 2,003 |
| Average total loans | $297,432,600 | 1,438 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2837% | 450 |
| Cost of funding earning assets | 0.6305% | 1,597 |
| Net interest margin | 4.6532% | 559 |
| Noninterest income to average assets | 0.5865% | 2,954 |
| Noninterest expense to average assets | 2.7788% | 3,544 |
| Loan and lease loss provision to assets | 0.1155% | 2,127 |
| Net operating income to assets | 2.0701% | 302 |
| Return on assets (ROA) | 2.0691% | 313 |
| Pretax return on assets | 2.0691% | 483 |
| Return on Equity (ROE) | 23.8219% | 131 |
| Retained earnings to average equity (ytd only) | 8.1899% | 1,273 |
| Net charge-offs to loans | 0.0812% | 3,038 |
| Credit loss provision to net charge-offs | 192.7374% | 1,306 |
| Earnings coverage of net charge-offs (x) | 36.4750% | 1,203 |
| Efficiency ratio | 55.9744% | 5,667 |
| Assets per employee ($millions) | 4.3535% | 3,202 |
| Cash dividends to net income (ytd only)* | 65.6204% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 1,409 |
| Loan loss allowance to noncurrent loans | 659.7778% | 792 |
| Noncurrent assets plus other real estate owned to assets | 1.1589% | 2,629 |
| Noncurrent loans to loans | 0.2910% | 5,038 |
| Net loans and leases to total assets | 73.3410% | 1,623 |
| Net loans and leases to deposits | 81.0707% | 2,540 |
| Net loans and leases to core deposits | 88.0855% | 2,416 |
| Total domestic deposits to total assets | 90.4655% | 541 |
| Equity capital to assets | 8.6998% | 5,639 |
| Core capital (leverage) ratio | 9.4845% | 4,400 |
| Tier 1 risk-based capital ratio | 11.6596% | 5,696 |
| Total risk-based capital ratio | 12.9169% | 5,610 |
| Memoranda: | ||
| Average total assets | $398,291,500 | 1,665 |
| Average earning assets | $374,727,500 | 1,626 |
| Average equity | $34,594,750 | 2,023 |
| Average total loans | $293,814,500 | 1,460 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2965% | 433 |
| Cost of funding earning assets | 0.6357% | 1,615 |
| Net interest margin | 4.6608% | 522 |
| Noninterest income to average assets | 0.5677% | 3,003 |
| Noninterest expense to average assets | 2.7549% | 3,683 |
| Loan and lease loss provision to assets | 0.1272% | 1,943 |
| Net operating income to assets | 2.0601% | 296 |
| Return on assets (ROA) | 2.0585% | 314 |
| Pretax return on assets | 2.0585% | 478 |
| Return on Equity (ROE) | 23.7134% | 147 |
| Retained earnings to average equity (ytd only) | 5.7189% | 2,500 |
| Net charge-offs to loans | 0.1219% | 2,452 |
| Credit loss provision to net charge-offs | 142.0455% | 1,512 |
| Earnings coverage of net charge-offs (x) | 24.4318% | 1,434 |
| Efficiency ratio | 55.7431% | 5,768 |
| Assets per employee ($millions) | 4.3204% | 3,229 |
| Cash dividends to net income (ytd only)* | 75.8834% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8960% | 1,597 |
| Loan loss allowance to noncurrent loans | 547.3783% | 848 |
| Noncurrent assets plus other real estate owned to assets | 1.2516% | 2,604 |
| Noncurrent loans to loans | 0.3464% | 4,969 |
| Net loans and leases to total assets | 76.1002% | 1,146 |
| Net loans and leases to deposits | 84.9593% | 1,936 |
| Net loans and leases to core deposits | 92.4391% | 1,908 |
| Total domestic deposits to total assets | 89.5726% | 1,038 |
| Equity capital to assets | 8.7760% | 5,539 |
| Core capital (leverage) ratio | 9.2015% | 4,736 |
| Tier 1 risk-based capital ratio | 11.4384% | 5,835 |
| Total risk-based capital ratio | 12.6958% | 5,784 |
| Memoranda: | ||
| Average total assets | $393,194,330 | 1,685 |
| Average earning assets | $369,034,000 | 1,643 |
| Average equity | $34,132,670 | 2,036 |
| Average total loans | $288,664,670 | 1,486 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8091% | 1,025 |
| Cost of funding earning assets | 0.6335% | 1,705 |
| Net interest margin | 4.1756% | 1,279 |
| Noninterest income to average assets | 0.5472% | 3,068 |
| Noninterest expense to average assets | 2.7495% | 3,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7287% | 542 |
| Return on assets (ROA) | 1.7256% | 566 |
| Pretax return on assets | 1.7256% | 923 |
| Return on Equity (ROE) | 19.9896% | 284 |
| Retained earnings to average equity (ytd only) | 11.0553% | 733 |
| Net charge-offs to loans | 0.0172% | 3,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 140.8333% | 350 |
| Efficiency ratio | 61.3979% | 5,217 |
| Assets per employee ($millions) | 4.2103% | 3,506 |
| Cash dividends to net income (ytd only)* | 44.6947% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1413% | 1,250 |
| Loan loss allowance to noncurrent loans | 396.1486% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 1.3306% | 2,659 |
| Noncurrent loans to loans | 0.5405% | 4,551 |
| Net loans and leases to total assets | 65.8135% | 2,595 |
| Net loans and leases to deposits | 72.6948% | 3,248 |
| Net loans and leases to core deposits | 80.2422% | 2,939 |
| Total domestic deposits to total assets | 90.5340% | 778 |
| Equity capital to assets | 8.6337% | 5,512 |
| Core capital (leverage) ratio | 9.2652% | 4,625 |
| Tier 1 risk-based capital ratio | 12.4160% | 5,358 |
| Total risk-based capital ratio | 13.6749% | 5,293 |
| Memoranda: | ||
| Average total assets | $391,051,500 | 1,706 |
| Average earning assets | $368,136,000 | 1,658 |
| Average equity | $33,757,500 | 2,046 |
| Average total loans | $278,832,500 | 1,536 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3668% | 467 |
| Cost of funding earning assets | 0.7083% | 1,757 |
| Net interest margin | 4.6585% | 543 |
| Noninterest income to average assets | 0.5951% | 3,120 |
| Noninterest expense to average assets | 2.8090% | 3,690 |
| Loan and lease loss provision to assets | 0.2676% | 1,320 |
| Net operating income to assets | 1.8885% | 405 |
| Return on assets (ROA) | 1.8704% | 431 |
| Pretax return on assets | 1.8704% | 647 |
| Return on Equity (ROE) | 22.0099% | 199 |
| Retained earnings to average equity (ytd only) | 6.1077% | 1,909 |
| Net charge-offs to loans | 0.0339% | 4,760 |
| Credit loss provision to net charge-offs | 1,062.5000% | 241 |
| Earnings coverage of net charge-offs (x) | 85.5938% | 529 |
| Efficiency ratio | 56.5744% | 5,886 |
| Assets per employee ($millions) | 4.0651% | 3,723 |
| Cash dividends to net income (ytd only)* | 72.2503% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9996% | 1,554 |
| Loan loss allowance to noncurrent loans | 483.4171% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 1.2923% | 2,840 |
| Noncurrent loans to loans | 0.4136% | 4,969 |
| Net loans and leases to total assets | 74.0317% | 1,343 |
| Net loans and leases to deposits | 81.8930% | 2,190 |
| Net loans and leases to core deposits | 90.1889% | 1,998 |
| Total domestic deposits to total assets | 90.4005% | 874 |
| Equity capital to assets | 8.6313% | 5,450 |
| Core capital (leverage) ratio | 9.0899% | 4,877 |
| Tier 1 risk-based capital ratio | 11.3201% | 6,013 |
| Total risk-based capital ratio | 12.5774% | 5,941 |
| Memoranda: | ||
| Average total assets | $381,095,400 | 1,723 |
| Average earning assets | $357,493,400 | 1,680 |
| Average equity | $32,385,400 | 2,109 |
| Average total loans | $283,086,800 | 1,494 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3622% | 475 |
| Cost of funding earning assets | 0.7154% | 1,851 |
| Net interest margin | 4.6468% | 567 |
| Noninterest income to average assets | 0.6151% | 3,055 |
| Noninterest expense to average assets | 2.7633% | 3,781 |
| Loan and lease loss provision to assets | 0.2241% | 1,621 |
| Net operating income to assets | 1.9801% | 374 |
| Return on assets (ROA) | 1.9784% | 386 |
| Pretax return on assets | 1.9784% | 600 |
| Return on Equity (ROE) | 23.3727% | 160 |
| Retained earnings to average equity (ytd only) | 5.3024% | 2,874 |
| Net charge-offs to loans | 0.0289% | 4,550 |
| Credit loss provision to net charge-offs | 1,049.1803% | 293 |
| Earnings coverage of net charge-offs (x) | 103.2148% | 487 |
| Efficiency ratio | 55.6276% | 5,958 |
| Assets per employee ($millions) | 4.2217% | 3,380 |
| Cash dividends to net income (ytd only)* | 77.3138% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8729% | 2,080 |
| Loan loss allowance to noncurrent loans | 3,904.3165% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.9544% | 3,760 |
| Noncurrent loans to loans | 0.0480% | 6,201 |
| Net loans and leases to total assets | 72.4213% | 1,540 |
| Net loans and leases to deposits | 79.7626% | 2,441 |
| Net loans and leases to core deposits | 88.4319% | 2,137 |
| Total domestic deposits to total assets | 90.7961% | 613 |
| Equity capital to assets | 8.2898% | 5,927 |
| Core capital (leverage) ratio | 8.9404% | 5,216 |
| Tier 1 risk-based capital ratio | 10.9760% | 6,296 |
| Total risk-based capital ratio | 12.2318% | 6,255 |
| Memoranda: | ||
| Average total assets | $380,838,500 | 1,732 |
| Average earning assets | $356,709,250 | 1,694 |
| Average equity | $32,236,250 | 2,138 |
| Average total loans | $281,692,500 | 1,506 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2995% | 526 |
| Cost of funding earning assets | 0.7159% | 1,952 |
| Net interest margin | 4.5835% | 613 |
| Noninterest income to average assets | 0.7195% | 2,552 |
| Noninterest expense to average assets | 2.7831% | 3,732 |
| Loan and lease loss provision to assets | 0.1804% | 2,104 |
| Net operating income to assets | 2.0535% | 327 |
| Return on assets (ROA) | 2.0509% | 343 |
| Pretax return on assets | 2.0509% | 541 |
| Return on Equity (ROE) | 24.0565% | 142 |
| Retained earnings to average equity (ytd only) | 3.8901% | 3,823 |
| Net charge-offs to loans | 0.0072% | 4,743 |
| Credit loss provision to net charge-offs | 3,400.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 421.0000% | 118 |
| Efficiency ratio | 55.4733% | 6,026 |
| Assets per employee ($millions) | 4.1429% | 3,484 |
| Cash dividends to net income (ytd only)* | 83.8292% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7901% | 2,464 |
| Loan loss allowance to noncurrent loans | 2,071.2000% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.9577% | 3,866 |
| Noncurrent loans to loans | 0.0864% | 6,136 |
| Net loans and leases to total assets | 73.7314% | 1,298 |
| Net loans and leases to deposits | 81.5191% | 2,114 |
| Net loans and leases to core deposits | 90.8022% | 1,830 |
| Total domestic deposits to total assets | 90.4468% | 785 |
| Equity capital to assets | 8.1242% | 6,115 |
| Core capital (leverage) ratio | 9.0052% | 4,979 |
| Tier 1 risk-based capital ratio | 10.7523% | 6,427 |
| Total risk-based capital ratio | 12.0072% | 6,392 |
| Memoranda: | ||
| Average total assets | $376,913,000 | 1,749 |
| Average earning assets | $353,395,000 | 1,713 |
| Average equity | $32,132,670 | 2,147 |
| Average total loans | $279,002,000 | 1,516 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1662% | 655 |
| Cost of funding earning assets | 0.7251% | 2,024 |
| Net interest margin | 4.4411% | 748 |
| Noninterest income to average assets | 0.5849% | 3,217 |
| Noninterest expense to average assets | 2.7516% | 3,865 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0069% | 340 |
| Return on assets (ROA) | 2.0069% | 369 |
| Pretax return on assets | 2.0069% | 587 |
| Return on Equity (ROE) | 22.9814% | 166 |
| Retained earnings to average equity (ytd only) | 14.4279% | 406 |
| Net charge-offs to loans | 0.0117% | 3,910 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 233.7500% | 172 |
| Efficiency ratio | 57.8259% | 5,869 |
| Assets per employee ($millions) | 4.0965% | 3,749 |
| Cash dividends to net income (ytd only)* | 37.2193% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8437% | 2,467 |
| Loan loss allowance to noncurrent loans | 1,920.6349% | 268 |
| Noncurrent assets plus other real estate owned to assets | 1.5021% | 3,000 |
| Noncurrent loans to loans | 0.0960% | 6,190 |
| Net loans and leases to total assets | 68.3713% | 1,944 |
| Net loans and leases to deposits | 76.1973% | 2,606 |
| Net loans and leases to core deposits | 84.5324% | 2,259 |
| Total domestic deposits to total assets | 89.7292% | 1,205 |
| Equity capital to assets | 8.8095% | 5,701 |
| Core capital (leverage) ratio | 9.2850% | 4,427 |
| Tier 1 risk-based capital ratio | 11.8470% | 5,998 |
| Total risk-based capital ratio | 13.1019% | 5,970 |
| Memoranda: | ||
| Average total assets | $372,723,000 | 1,769 |
| Average earning assets | $350,273,500 | 1,739 |
| Average equity | $32,548,000 | 2,150 |
| Average total loans | $273,873,000 | 1,554 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6818% | 442 |
| Cost of funding earning assets | 0.9005% | 1,932 |
| Net interest margin | 4.7813% | 560 |
| Noninterest income to average assets | 0.4105% | 4,522 |
| Noninterest expense to average assets | 2.8145% | 3,971 |
| Loan and lease loss provision to assets | 0.2249% | 2,881 |
| Net operating income to assets | 1.8283% | 490 |
| Return on assets (ROA) | 1.7338% | 641 |
| Pretax return on assets | 1.7338% | 1,060 |
| Return on Equity (ROE) | 20.3810% | 289 |
| Retained earnings to average equity (ytd only) | 6.8380% | 1,652 |
| Net charge-offs to loans | 0.0188% | 5,650 |
| Credit loss provision to net charge-offs | 1,590.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 145.1400% | 290 |
| Efficiency ratio | 57.8204% | 5,859 |
| Assets per employee ($millions) | 4.0062% | 3,935 |
| Cash dividends to net income (ytd only)* | 66.4491% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6997% | 2,934 |
| Loan loss allowance to noncurrent loans | 220.5641% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 1.6656% | 2,898 |
| Noncurrent loans to loans | 0.7706% | 4,642 |
| Net loans and leases to total assets | 76.0732% | 904 |
| Net loans and leases to deposits | 84.8114% | 1,662 |
| Net loans and leases to core deposits | 92.7110% | 1,578 |
| Total domestic deposits to total assets | 89.6969% | 1,129 |
| Equity capital to assets | 8.6537% | 5,904 |
| Core capital (leverage) ratio | 9.3076% | 4,405 |
| Tier 1 risk-based capital ratio | 10.6839% | 6,483 |
| Total risk-based capital ratio | 11.9375% | 6,444 |
| Memoranda: | ||
| Average total assets | $353,450,400 | 1,831 |
| Average earning assets | $329,491,600 | 1,795 |
| Average equity | $30,067,200 | 2,244 |
| Average total loans | $266,122,200 | 1,559 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6719% | 491 |
| Cost of funding earning assets | 0.9279% | 1,995 |
| Net interest margin | 4.7439% | 612 |
| Noninterest income to average assets | 0.4747% | 4,106 |
| Noninterest expense to average assets | 2.7984% | 3,988 |
| Loan and lease loss provision to assets | 0.2231% | 2,830 |
| Net operating income to assets | 1.8745% | 485 |
| Return on assets (ROA) | 1.7582% | 688 |
| Pretax return on assets | 1.7582% | 1,147 |
| Return on Equity (ROE) | 20.7626% | 292 |
| Retained earnings to average equity (ytd only) | 5.9573% | 2,721 |
| Net charge-offs to loans | 0.0255% | 5,313 |
| Credit loss provision to net charge-offs | 1,170.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 110.0117% | 390 |
| Efficiency ratio | 57.1573% | 5,900 |
| Assets per employee ($millions) | 3.8930% | 4,103 |
| Cash dividends to net income (ytd only)* | 71.3077% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7031% | 3,142 |
| Loan loss allowance to noncurrent loans | 206.5924% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 1.8495% | 2,865 |
| Noncurrent loans to loans | 0.8244% | 4,769 |
| Net loans and leases to total assets | 75.5611% | 1,035 |
| Net loans and leases to deposits | 84.6506% | 1,784 |
| Net loans and leases to core deposits | 92.6679% | 1,709 |
| Total domestic deposits to total assets | 89.2623% | 1,272 |
| Equity capital to assets | 8.9506% | 5,870 |
| Core capital (leverage) ratio | 9.2734% | 4,634 |
| Tier 1 risk-based capital ratio | 10.8143% | 6,561 |
| Total risk-based capital ratio | 12.0680% | 6,533 |
| Memoranda: | ||
| Average total assets | $349,670,500 | 1,871 |
| Average earning assets | $325,880,750 | 1,843 |
| Average equity | $29,610,250 | 2,291 |
| Average total loans | $261,345,000 | 1,594 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6208% | 557 |
| Cost of funding earning assets | 0.9366% | 2,140 |
| Net interest margin | 4.6842% | 693 |
| Noninterest income to average assets | 0.3849% | 4,759 |
| Noninterest expense to average assets | 2.7558% | 4,198 |
| Loan and lease loss provision to assets | 0.2384% | 2,686 |
| Net operating income to assets | 1.7522% | 613 |
| Return on assets (ROA) | 1.5793% | 975 |
| Pretax return on assets | 1.5793% | 1,608 |
| Return on Equity (ROE) | 19.0172% | 413 |
| Retained earnings to average equity (ytd only) | 1.4666% | 5,465 |
| Net charge-offs to loans | 0.0272% | 4,998 |
| Credit loss provision to net charge-offs | 1,185.7143% | 277 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 431 |
| Efficiency ratio | 58.0610% | 5,863 |
| Assets per employee ($millions) | 3.8496% | 4,198 |
| Cash dividends to net income (ytd only)* | 92.2881% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6725% | 3,345 |
| Loan loss allowance to noncurrent loans | 216.2566% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 1.5510% | 3,376 |
| Noncurrent loans to loans | 0.7734% | 4,961 |
| Net loans and leases to total assets | 74.4154% | 1,192 |
| Net loans and leases to deposits | 83.3280% | 1,941 |
| Net loans and leases to core deposits | 90.8819% | 1,886 |
| Total domestic deposits to total assets | 89.3042% | 1,331 |
| Equity capital to assets | 8.2286% | 6,429 |
| Core capital (leverage) ratio | 8.9993% | 4,920 |
| Tier 1 risk-based capital ratio | 10.4672% | 6,708 |
| Total risk-based capital ratio | 11.7199% | 6,690 |
| Memoranda: | ||
| Average total assets | $348,138,330 | 1,881 |
| Average earning assets | $324,154,000 | 1,852 |
| Average equity | $28,910,670 | 2,334 |
| Average total loans | $257,684,670 | 1,614 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4974% | 758 |
| Cost of funding earning assets | 0.9550% | 2,268 |
| Net interest margin | 4.5423% | 937 |
| Noninterest income to average assets | 0.6085% | 3,178 |
| Noninterest expense to average assets | 2.8303% | 3,900 |
| Loan and lease loss provision to assets | 0.2492% | 2,467 |
| Net operating income to assets | 1.7570% | 654 |
| Return on assets (ROA) | 1.6701% | 843 |
| Pretax return on assets | 1.6701% | 1,380 |
| Return on Equity (ROE) | 20.0177% | 388 |
| Retained earnings to average equity (ytd only) | 10.2103% | 1,214 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5191% | 5,847 |
| Assets per employee ($millions) | 4.0611% | 3,886 |
| Cash dividends to net income (ytd only)* | 48.9938% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6991% | 3,356 |
| Loan loss allowance to noncurrent loans | 267.6999% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 1.5547% | 3,529 |
| Noncurrent loans to loans | 0.6347% | 5,373 |
| Net loans and leases to total assets | 70.7078% | 1,630 |
| Net loans and leases to deposits | 78.9618% | 2,346 |
| Net loans and leases to core deposits | 84.5668% | 2,471 |
| Total domestic deposits to total assets | 89.5468% | 1,338 |
| Equity capital to assets | 8.3279% | 6,248 |
| Core capital (leverage) ratio | 9.3681% | 4,241 |
| Tier 1 risk-based capital ratio | 11.0474% | 6,515 |
| Total risk-based capital ratio | 12.3002% | 6,496 |
| Memoranda: | ||
| Average total assets | $345,124,500 | 1,904 |
| Average earning assets | $321,244,000 | 1,874 |
| Average equity | $28,794,500 | 2,336 |
| Average total loans | $252,508,500 | 1,640 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5847% | 985 |
| Cost of funding earning assets | 1.2404% | 1,782 |
| Net interest margin | 4.3443% | 1,560 |
| Noninterest income to average assets | 0.6281% | 3,013 |
| Noninterest expense to average assets | 2.8750% | 4,064 |
| Loan and lease loss provision to assets | 0.1620% | 4,606 |
| Net operating income to assets | 1.6377% | 623 |
| Return on assets (ROA) | 1.4144% | 1,081 |
| Pretax return on assets | 1.4144% | 1,735 |
| Return on Equity (ROE) | 17.4385% | 433 |
| Retained earnings to average equity (ytd only) | 5.3649% | 2,396 |
| Net charge-offs to loans | 0.1106% | 5,268 |
| Credit loss provision to net charge-offs | 211.5385% | 1,166 |
| Earnings coverage of net charge-offs (x) | 23.4962% | 1,020 |
| Efficiency ratio | 61.5011% | 5,535 |
| Assets per employee ($millions) | 3.7437% | 4,454 |
| Cash dividends to net income (ytd only)* | 69.2356% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6355% | 3,441 |
| Loan loss allowance to noncurrent loans | 363.4190% | 918 |
| Noncurrent assets plus other real estate owned to assets | 1.3932% | 3,907 |
| Noncurrent loans to loans | 0.4500% | 5,804 |
| Net loans and leases to total assets | 73.2413% | 1,400 |
| Net loans and leases to deposits | 82.9422% | 2,077 |
| Net loans and leases to core deposits | 89.8101% | 2,155 |
| Total domestic deposits to total assets | 88.3041% | 1,967 |
| Equity capital to assets | 8.3593% | 6,295 |
| Core capital (leverage) ratio | 9.3970% | 4,187 |
| Tier 1 risk-based capital ratio | 10.9325% | 6,486 |
| Total risk-based capital ratio | 12.1846% | 6,467 |
| Memoranda: | ||
| Average total assets | $339,444,600 | 1,904 |
| Average earning assets | $316,185,000 | 1,863 |
| Average equity | $27,531,000 | 2,356 |
| Average total loans | $235,058,600 | 1,778 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4684% | 1,343 |
| Cost of funding earning assets | 1.2982% | 1,716 |
| Net interest margin | 4.1702% | 2,209 |
| Noninterest income to average assets | 0.6289% | 3,000 |
| Noninterest expense to average assets | 2.8903% | 3,974 |
| Loan and lease loss provision to assets | 0.1568% | 4,507 |
| Net operating income to assets | 1.4722% | 1,004 |
| Return on assets (ROA) | 1.2189% | 1,711 |
| Pretax return on assets | 1.2189% | 2,567 |
| Return on Equity (ROE) | 15.1438% | 822 |
| Retained earnings to average equity (ytd only) | 1.3785% | 5,452 |
| Net charge-offs to loans | 0.1344% | 4,712 |
| Credit loss provision to net charge-offs | 171.6738% | 1,752 |
| Earnings coverage of net charge-offs (x) | 17.8326% | 1,328 |
| Efficiency ratio | 63.9542% | 5,078 |
| Assets per employee ($millions) | 3.9670% | 3,926 |
| Cash dividends to net income (ytd only)* | 90.8975% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6692% | 3,383 |
| Loan loss allowance to noncurrent loans | 67.9706% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 2.8890% | 2,241 |
| Noncurrent loans to loans | 2.4558% | 2,819 |
| Net loans and leases to total assets | 70.3415% | 2,010 |
| Net loans and leases to deposits | 78.6576% | 2,864 |
| Net loans and leases to core deposits | 85.2028% | 2,882 |
| Total domestic deposits to total assets | 89.4274% | 1,177 |
| Equity capital to assets | 8.1544% | 6,594 |
| Core capital (leverage) ratio | 8.8738% | 5,150 |
| Tier 1 risk-based capital ratio | 10.8066% | 6,656 |
| Total risk-based capital ratio | 12.0589% | 6,637 |
| Memoranda: | ||
| Average total assets | $340,073,250 | 1,913 |
| Average earning assets | $317,256,500 | 1,863 |
| Average equity | $27,372,500 | 2,368 |
| Average total loans | $231,104,500 | 1,819 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4005% | 1,561 |
| Cost of funding earning assets | 1.3618% | 1,592 |
| Net interest margin | 4.0386% | 2,655 |
| Noninterest income to average assets | 0.6274% | 2,963 |
| Noninterest expense to average assets | 2.8468% | 4,242 |
| Loan and lease loss provision to assets | 0.1753% | 4,171 |
| Net operating income to assets | 1.3804% | 1,127 |
| Return on assets (ROA) | 1.2840% | 1,425 |
| Pretax return on assets | 1.2840% | 2,188 |
| Return on Equity (ROE) | 16.0210% | 668 |
| Retained earnings to average equity (ytd only) | 16.0210% | 205 |
| Net charge-offs to loans | 0.3778% | 3,042 |
| Credit loss provision to net charge-offs | 69.4444% | 4,068 |
| Earnings coverage of net charge-offs (x) | 6.1644% | 2,452 |
| Efficiency ratio | 64.6630% | 5,115 |
| Assets per employee ($millions) | 3.9318% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 3,864 |
| Loan loss allowance to noncurrent loans | 63.2302% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 3.0752% | 2,183 |
| Noncurrent loans to loans | 2.4665% | 2,920 |
| Net loans and leases to total assets | 67.1348% | 2,800 |
| Net loans and leases to deposits | 77.3312% | 3,249 |
| Net loans and leases to core deposits | 84.6674% | 3,116 |
| Total domestic deposits to total assets | 86.8147% | 2,847 |
| Equity capital to assets | 8.5957% | 6,062 |
| Core capital (leverage) ratio | 9.3749% | 4,151 |
| Tier 1 risk-based capital ratio | 11.4466% | 6,205 |
| Total risk-based capital ratio | 12.6975% | 6,198 |
| Memoranda: | ||
| Average total assets | $342,354,330 | 1,907 |
| Average earning assets | $320,010,000 | 1,864 |
| Average equity | $27,439,000 | 2,354 |
| Average total loans | $228,680,000 | 1,854 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4323% | 1,472 |
| Cost of funding earning assets | 1.3847% | 1,694 |
| Net interest margin | 4.0476% | 2,479 |
| Noninterest income to average assets | 0.6049% | 3,128 |
| Noninterest expense to average assets | 2.9049% | 4,040 |
| Loan and lease loss provision to assets | 0.1762% | 3,860 |
| Net operating income to assets | 1.3179% | 1,228 |
| Return on assets (ROA) | 1.1735% | 1,643 |
| Pretax return on assets | 1.1735% | 2,471 |
| Return on Equity (ROE) | 15.2009% | 793 |
| Retained earnings to average equity (ytd only) | 15.2009% | 376 |
| Net charge-offs to loans | 0.5048% | 2,213 |
| Credit loss provision to net charge-offs | 52.8169% | 3,695 |
| Earnings coverage of net charge-offs (x) | 4.4789% | 2,470 |
| Efficiency ratio | 66.0347% | 5,034 |
| Assets per employee ($millions) | 3.8953% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6365% | 3,584 |
| Loan loss allowance to noncurrent loans | 271.8404% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 1.5149% | 3,980 |
| Noncurrent loans to loans | 0.6020% | 5,828 |
| Net loans and leases to total assets | 64.4910% | 3,353 |
| Net loans and leases to deposits | 72.6366% | 3,967 |
| Net loans and leases to core deposits | 79.8815% | 3,777 |
| Total domestic deposits to total assets | 88.7858% | 1,906 |
| Equity capital to assets | 7.8631% | 6,624 |
| Core capital (leverage) ratio | 8.9171% | 4,746 |
| Tier 1 risk-based capital ratio | 11.4204% | 6,160 |
| Total risk-based capital ratio | 12.6718% | 6,150 |
| Memoranda: | ||
| Average total assets | $340,532,500 | 1,931 |
| Average earning assets | $319,204,500 | 1,877 |
| Average equity | $26,288,000 | 2,429 |
| Average total loans | $225,037,500 | 1,897 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6644% | 1,700 |
| Cost of funding earning assets | 1.6131% | 1,993 |
| Net interest margin | 4.0512% | 2,800 |
| Noninterest income to average assets | 0.6377% | 3,227 |
| Noninterest expense to average assets | 2.7772% | 4,687 |
| Loan and lease loss provision to assets | 0.1805% | 5,413 |
| Net operating income to assets | 1.4702% | 818 |
| Return on assets (ROA) | 1.3650% | 1,096 |
| Pretax return on assets | 1.3626% | 1,760 |
| Return on Equity (ROE) | 18.3791% | 353 |
| Retained earnings to average equity (ytd only) | 9.6828% | 576 |
| Net charge-offs to loans | 0.3215% | 4,409 |
| Credit loss provision to net charge-offs | 82.6846% | 5,460 |
| Earnings coverage of net charge-offs (x) | 7.5503% | 2,111 |
| Efficiency ratio | 62.7533% | 5,567 |
| Assets per employee ($millions) | 3.8009% | 4,254 |
| Cash dividends to net income (ytd only)* | 47.3164% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6917% | 3,243 |
| Loan loss allowance to noncurrent loans | 250.6246% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 1.6525% | 3,821 |
| Noncurrent loans to loans | 0.6750% | 5,694 |
| Net loans and leases to total assets | 65.4841% | 3,564 |
| Net loans and leases to deposits | 74.8179% | 4,058 |
| Net loans and leases to core deposits | 81.2978% | 4,007 |
| Total domestic deposits to total assets | 87.5247% | 2,531 |
| Equity capital to assets | 7.5743% | 6,837 |
| Core capital (leverage) ratio | 8.3827% | 5,572 |
| Tier 1 risk-based capital ratio | 11.0261% | 6,301 |
| Total risk-based capital ratio | 12.2780% | 6,275 |
| Memoranda: | ||
| Average total assets | $341,247,000 | 1,914 |
| Average earning assets | $319,065,400 | 1,864 |
| Average equity | $25,344,000 | 2,516 |
| Average total loans | $231,740,000 | 1,885 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7036% | 1,698 |
| Cost of funding earning assets | 1.6248% | 2,249 |
| Net interest margin | 4.0788% | 2,717 |
| Noninterest income to average assets | 0.6214% | 3,305 |
| Noninterest expense to average assets | 2.7439% | 4,707 |
| Loan and lease loss provision to assets | 0.2402% | 4,680 |
| Net operating income to assets | 1.4534% | 1,014 |
| Return on assets (ROA) | 1.3684% | 1,258 |
| Pretax return on assets | 1.3653% | 1,986 |
| Return on Equity (ROE) | 18.5162% | 430 |
| Retained earnings to average equity (ytd only) | 10.3659% | 709 |
| Net charge-offs to loans | 0.2600% | 4,391 |
| Credit loss provision to net charge-offs | 135.3846% | 2,971 |
| Earnings coverage of net charge-offs (x) | 9.5297% | 2,010 |
| Efficiency ratio | 61.8780% | 5,643 |
| Assets per employee ($millions) | 4.0453% | 3,741 |
| Cash dividends to net income (ytd only)* | 44.0172% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7791% | 2,853 |
| Loan loss allowance to noncurrent loans | 292.5820% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 1.5298% | 4,154 |
| Noncurrent loans to loans | 0.6081% | 5,990 |
| Net loans and leases to total assets | 63.6173% | 4,198 |
| Net loans and leases to deposits | 72.3669% | 4,783 |
| Net loans and leases to core deposits | 80.9079% | 4,396 |
| Total domestic deposits to total assets | 87.9094% | 2,012 |
| Equity capital to assets | 7.2415% | 7,249 |
| Core capital (leverage) ratio | 8.4276% | 5,647 |
| Tier 1 risk-based capital ratio | 10.6847% | 6,645 |
| Total risk-based capital ratio | 11.9376% | 6,630 |
| Memoranda: | ||
| Average total assets | $341,989,750 | 1,936 |
| Average earning assets | $319,697,000 | 1,885 |
| Average equity | $25,274,500 | 2,565 |
| Average total loans | $233,342,750 | 1,899 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7258% | 1,670 |
| Cost of funding earning assets | 1.6462% | 2,407 |
| Net interest margin | 4.0796% | 2,656 |
| Noninterest income to average assets | 0.5971% | 3,356 |
| Noninterest expense to average assets | 2.7985% | 4,485 |
| Loan and lease loss provision to assets | 0.1927% | 4,952 |
| Net operating income to assets | 1.4159% | 1,069 |
| Return on assets (ROA) | 1.2866% | 1,399 |
| Pretax return on assets | 1.2866% | 2,134 |
| Return on Equity (ROE) | 17.2865% | 546 |
| Retained earnings to average equity (ytd only) | 10.2524% | 791 |
| Net charge-offs to loans | 0.2527% | 4,083 |
| Credit loss provision to net charge-offs | 109.7973% | 3,712 |
| Earnings coverage of net charge-offs (x) | 9.1655% | 2,049 |
| Efficiency ratio | 63.5006% | 5,434 |
| Assets per employee ($millions) | 3.9357% | 3,892 |
| Cash dividends to net income (ytd only)* | 40.6912% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6738% | 3,168 |
| Loan loss allowance to noncurrent loans | 405.9305% | 761 |
| Noncurrent assets plus other real estate owned to assets | 1.6368% | 3,982 |
| Noncurrent loans to loans | 0.4123% | 6,419 |
| Net loans and leases to total assets | 68.9051% | 3,147 |
| Net loans and leases to deposits | 78.8300% | 3,829 |
| Net loans and leases to core deposits | 88.6681% | 3,461 |
| Total domestic deposits to total assets | 87.4097% | 2,317 |
| Equity capital to assets | 7.5860% | 7,067 |
| Core capital (leverage) ratio | 8.4893% | 5,429 |
| Tier 1 risk-based capital ratio | 10.4198% | 6,745 |
| Total risk-based capital ratio | 11.6720% | 6,730 |
| Memoranda: | ||
| Average total assets | $337,323,670 | 1,974 |
| Average earning assets | $315,032,000 | 1,929 |
| Average equity | $25,106,330 | 2,576 |
| Average total loans | $234,266,330 | 1,911 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6122% | 2,099 |
| Cost of funding earning assets | 1.6815% | 2,475 |
| Net interest margin | 3.9307% | 3,195 |
| Noninterest income to average assets | 0.6082% | 3,224 |
| Noninterest expense to average assets | 2.7249% | 4,788 |
| Loan and lease loss provision to assets | 0.2079% | 4,423 |
| Net operating income to assets | 1.3517% | 1,181 |
| Return on assets (ROA) | 1.1344% | 1,803 |
| Pretax return on assets | 1.1344% | 2,610 |
| Return on Equity (ROE) | 15.3899% | 812 |
| Retained earnings to average equity (ytd only) | 13.5689% | 551 |
| Net charge-offs to loans | 0.4416% | 2,724 |
| Credit loss provision to net charge-offs | 68.0934% | 4,147 |
| Earnings coverage of net charge-offs (x) | 5.1089% | 2,469 |
| Efficiency ratio | 63.5986% | 5,565 |
| Assets per employee ($millions) | 3.9789% | 3,923 |
| Cash dividends to net income (ytd only)* | 11.8325% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6986% | 3,066 |
| Loan loss allowance to noncurrent loans | 126.3175% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 2.1942% | 3,282 |
| Noncurrent loans to loans | 1.3447% | 4,729 |
| Net loans and leases to total assets | 66.0337% | 3,840 |
| Net loans and leases to deposits | 76.1098% | 4,392 |
| Net loans and leases to core deposits | 85.5246% | 3,972 |
| Total domestic deposits to total assets | 86.7611% | 2,760 |
| Equity capital to assets | 7.5149% | 7,063 |
| Core capital (leverage) ratio | 8.2679% | 5,806 |
| Tier 1 risk-based capital ratio | 10.5429% | 6,594 |
| Total risk-based capital ratio | 11.7951% | 6,581 |
| Memoranda: | ||
| Average total assets | $336,752,000 | 2,031 |
| Average earning assets | $314,959,000 | 1,982 |
| Average equity | $24,821,500 | 2,627 |
| Average total loans | $232,804,000 | 1,976 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0937% | 1,534 |
| Cost of funding earning assets | 1.7466% | 4,266 |
| Net interest margin | 4.3471% | 1,582 |
| Noninterest income to average assets | 0.5580% | 3,959 |
| Noninterest expense to average assets | 2.6492% | 5,598 |
| Loan and lease loss provision to assets | 1.1383% | 2,001 |
| Net operating income to assets | 0.8914% | 2,210 |
| Return on assets (ROA) | 0.8914% | 2,276 |
| Pretax return on assets | 0.8213% | 3,180 |
| Return on Equity (ROE) | 12.0366% | 1,156 |
| Retained earnings to average equity (ytd only) | 0.5652% | 4,586 |
| Net charge-offs to loans | 1.1953% | 2,058 |
| Credit loss provision to net charge-offs | 133.6237% | 3,731 |
| Earnings coverage of net charge-offs (x) | 2.3003% | 3,999 |
| Efficiency ratio | 57.4805% | 6,836 |
| Assets per employee ($millions) | 3.9916% | 3,828 |
| Cash dividends to net income (ytd only)* | 95.3047% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6530% | 3,076 |
| Loan loss allowance to noncurrent loans | 80.0528% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 2.1843% | 3,151 |
| Noncurrent loans to loans | 2.0649% | 3,567 |
| Net loans and leases to total assets | 69.9313% | 3,272 |
| Net loans and leases to deposits | 81.2381% | 3,751 |
| Net loans and leases to core deposits | 110.1012% | 2,882 |
| Total domestic deposits to total assets | 86.0818% | 2,977 |
| Equity capital to assets | 7.2256% | 7,244 |
| Core capital (leverage) ratio | 8.1051% | 5,983 |
| Tier 1 risk-based capital ratio | 10.0296% | 6,848 |
| Total risk-based capital ratio | 11.2819% | 6,812 |
| Memoranda: | ||
| Average total assets | $336,894,800 | 2,017 |
| Average earning assets | $313,933,000 | 1,986 |
| Average equity | $24,949,000 | 2,617 |
| Average total loans | $240,106,400 | 1,949 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1579% | 1,477 |
| Cost of funding earning assets | 1.7382% | 4,705 |
| Net interest margin | 4.4197% | 1,393 |
| Noninterest income to average assets | 0.5372% | 4,176 |
| Noninterest expense to average assets | 2.7161% | 5,255 |
| Loan and lease loss provision to assets | 0.7095% | 2,603 |
| Net operating income to assets | 1.2195% | 1,420 |
| Return on assets (ROA) | 1.2195% | 1,478 |
| Pretax return on assets | 1.2195% | 2,203 |
| Return on Equity (ROE) | 16.3681% | 611 |
| Retained earnings to average equity (ytd only) | 4.7274% | 2,640 |
| Net charge-offs to loans | 0.2378% | 4,559 |
| Credit loss provision to net charge-offs | 418.4149% | 952 |
| Earnings coverage of net charge-offs (x) | 11.3752% | 1,859 |
| Efficiency ratio | 58.4716% | 6,656 |
| Assets per employee ($millions) | 3.9293% | 3,873 |
| Cash dividends to net income (ytd only)* | 71.1183% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7334% | 2,508 |
| Loan loss allowance to noncurrent loans | 128.1204% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 1.3850% | 4,327 |
| Noncurrent loans to loans | 1.3529% | 4,668 |
| Net loans and leases to total assets | 71.1882% | 3,226 |
| Net loans and leases to deposits | 82.9419% | 3,840 |
| Net loans and leases to core deposits | 112.0874% | 3,013 |
| Total domestic deposits to total assets | 85.8291% | 2,792 |
| Equity capital to assets | 7.4678% | 7,319 |
| Core capital (leverage) ratio | 8.2409% | 5,943 |
| Tier 1 risk-based capital ratio | 9.5541% | 7,333 |
| Total risk-based capital ratio | 10.8068% | 7,290 |
| Memoranda: | ||
| Average total assets | $337,294,750 | 2,032 |
| Average earning assets | $313,497,750 | 2,011 |
| Average equity | $25,129,500 | 2,623 |
| Average total loans | $240,528,750 | 1,969 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2332% | 1,377 |
| Cost of funding earning assets | 1.7485% | 5,021 |
| Net interest margin | 4.4848% | 1,204 |
| Noninterest income to average assets | 0.5214% | 4,262 |
| Noninterest expense to average assets | 2.7991% | 4,962 |
| Loan and lease loss provision to assets | 0.8694% | 1,937 |
| Net operating income to assets | 0.9956% | 2,127 |
| Return on assets (ROA) | 0.9956% | 2,222 |
| Pretax return on assets | 0.9956% | 3,030 |
| Return on Equity (ROE) | 13.3742% | 1,101 |
| Retained earnings to average equity (ytd only) | -0.2329% | 5,282 |
| Net charge-offs to loans | 0.3322% | 3,521 |
| Credit loss provision to net charge-offs | 369.0355% | 1,262 |
| Earnings coverage of net charge-offs (x) | 7.9162% | 2,362 |
| Efficiency ratio | 60.0128% | 6,548 |
| Assets per employee ($millions) | 3.9693% | 3,738 |
| Cash dividends to net income (ytd only)* | 101.7417% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 2,599 |
| Loan loss allowance to noncurrent loans | 652.0194% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.3905% | 6,486 |
| Noncurrent loans to loans | 0.2507% | 6,888 |
| Net loans and leases to total assets | 71.1509% | 3,436 |
| Net loans and leases to deposits | 82.6903% | 4,102 |
| Net loans and leases to core deposits | 109.8777% | 3,387 |
| Total domestic deposits to total assets | 86.0451% | 2,770 |
| Equity capital to assets | 7.1802% | 7,496 |
| Core capital (leverage) ratio | 8.2222% | 5,942 |
| Tier 1 risk-based capital ratio | 9.3682% | 7,496 |
| Total risk-based capital ratio | 10.6198% | 7,472 |
| Memoranda: | ||
| Average total assets | $334,466,670 | 2,076 |
| Average earning assets | $308,957,330 | 2,063 |
| Average equity | $24,898,670 | 2,647 |
| Average total loans | $237,206,330 | 2,026 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2820% | 1,354 |
| Cost of funding earning assets | 1.8138% | 5,052 |
| Net interest margin | 4.4682% | 1,196 |
| Noninterest income to average assets | 0.4858% | 4,454 |
| Noninterest expense to average assets | 2.8312% | 4,419 |
| Loan and lease loss provision to assets | 0.2719% | 3,781 |
| Net operating income to assets | 1.4609% | 1,014 |
| Return on assets (ROA) | 1.4609% | 1,090 |
| Pretax return on assets | 1.4609% | 1,778 |
| Return on Equity (ROE) | 19.2723% | 481 |
| Retained earnings to average equity (ytd only) | 10.0426% | 1,181 |
| Net charge-offs to loans | -0.0069% | 7,221 |
| Credit loss provision to net charge-offs | -5,625.0000% | 6,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0334% | 6,042 |
| Assets per employee ($millions) | 4.0035% | 3,657 |
| Cash dividends to net income (ytd only)* | 47.8908% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 3,820 |
| Loan loss allowance to noncurrent loans | 1,057.4257% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 7,321 |
| Noncurrent loans to loans | 0.1273% | 7,157 |
| Net loans and leases to total assets | 69.8374% | 3,711 |
| Net loans and leases to deposits | 81.9024% | 4,308 |
| Net loans and leases to core deposits | 109.0617% | 3,557 |
| Total domestic deposits to total assets | 85.2690% | 3,079 |
| Equity capital to assets | 7.5582% | 7,300 |
| Core capital (leverage) ratio | 8.3250% | 5,858 |
| Tier 1 risk-based capital ratio | 10.5181% | 6,379 |
| Total risk-based capital ratio | 11.7423% | 6,319 |
| Memoranda: | ||
| Average total assets | $331,022,000 | 2,106 |
| Average earning assets | $302,133,500 | 2,112 |
| Average equity | $25,093,000 | 2,641 |
| Average total loans | $232,352,500 | 2,077 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0811% | 946 |
| Cost of funding earning assets | 2.1848% | 5,663 |
| Net interest margin | 4.8963% | 637 |
| Noninterest income to average assets | 0.6079% | 3,789 |
| Noninterest expense to average assets | 3.0980% | 3,700 |
| Loan and lease loss provision to assets | 0.1605% | 5,325 |
| Net operating income to assets | 1.8294% | 526 |
| Return on assets (ROA) | 1.8294% | 504 |
| Pretax return on assets | 1.7715% | 996 |
| Return on Equity (ROE) | 21.6133% | 272 |
| Retained earnings to average equity (ytd only) | 11.7408% | 246 |
| Net charge-offs to loans | 0.0243% | 6,505 |
| Credit loss provision to net charge-offs | 936.0000% | 476 |
| Earnings coverage of net charge-offs (x) | 112.6400% | 391 |
| Efficiency ratio | 61.5904% | 6,029 |
| Assets per employee ($millions) | 3.8323% | 3,897 |
| Cash dividends to net income (ytd only)* | 45.6779% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 3,689 |
| Loan loss allowance to noncurrent loans | 745.8647% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 7,091 |
| Noncurrent loans to loans | 0.1761% | 6,862 |
| Net loans and leases to total assets | 68.6619% | 4,330 |
| Net loans and leases to deposits | 80.5721% | 4,949 |
| Net loans and leases to core deposits | 103.5999% | 4,434 |
| Total domestic deposits to total assets | 85.2180% | 2,744 |
| Equity capital to assets | 7.6034% | 7,300 |
| Core capital (leverage) ratio | 8.8429% | 4,979 |
| Tier 1 risk-based capital ratio | 10.4351% | 6,282 |
| Total risk-based capital ratio | 11.5897% | 6,251 |
| Memoranda: | ||
| Average total assets | $291,511,200 | 2,245 |
| Average earning assets | $263,279,200 | 2,263 |
| Average equity | $24,674,600 | 2,675 |
| Average total loans | $205,466,000 | 2,246 |