Home > Penn Liberty Bank > Performance and Condition Ratios
Penn Liberty Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5030% | 4,854 |
| Cost of funding earning assets | 0.2465% | 4,693 |
| Net interest margin | 3.2566% | 4,360 |
| Noninterest income to average assets | 0.3973% | 3,886 |
| Noninterest expense to average assets | 2.6592% | 3,522 |
| Loan and lease loss provision to assets | 0.1268% | 1,796 |
| Net operating income to assets | 0.4805% | 4,763 |
| Return on assets (ROA) | 0.4805% | 4,860 |
| Pretax return on assets | 0.7298% | 4,535 |
| Return on Equity (ROE) | 5.7714% | 4,159 |
| Retained earnings to average equity (ytd only) | 5.6627% | 2,326 |
| Net charge-offs to loans | 0.2295% | 1,023 |
| Credit loss provision to net charge-offs | 76.8439% | 2,400 |
| Earnings coverage of net charge-offs (x) | 5.1921% | 2,885 |
| Efficiency ratio | 75.6359% | 2,122 |
| Assets per employee ($millions) | 6.8354% | 934 |
| Cash dividends to net income (ytd only)* | 1.8846% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 3,680 |
| Loan loss allowance to noncurrent loans | 194.2482% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 3,270 |
| Noncurrent loans to loans | 0.5901% | 3,299 |
| Net loans and leases to total assets | 69.3904% | 2,570 |
| Net loans and leases to deposits | 77.9552% | 3,161 |
| Net loans and leases to core deposits | 78.8370% | 3,568 |
| Total domestic deposits to total assets | 89.0132% | 914 |
| Equity capital to assets | 7.8716% | 5,841 |
| Core capital (leverage) ratio | 8.4382% | 5,411 |
| Tier 1 risk-based capital ratio | 10.8735% | 5,499 |
| Total risk-based capital ratio | 11.9900% | 5,474 |
| Memoranda: | ||
| Average total assets | $706,766,330 | 1,019 |
| Average earning assets | $676,786,000 | 989 |
| Average equity | $58,841,670 | 1,321 |
| Average total loans | $508,140,670 | 963 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5317% | 4,811 |
| Cost of funding earning assets | 0.2520% | 4,685 |
| Net interest margin | 3.2797% | 4,303 |
| Noninterest income to average assets | 0.4209% | 3,677 |
| Noninterest expense to average assets | 2.6414% | 3,603 |
| Loan and lease loss provision to assets | 0.1415% | 1,489 |
| Net operating income to assets | 0.4968% | 4,640 |
| Return on assets (ROA) | 0.4968% | 4,737 |
| Pretax return on assets | 0.7780% | 4,277 |
| Return on Equity (ROE) | 5.8053% | 4,075 |
| Retained earnings to average equity (ytd only) | 5.5920% | 2,588 |
| Net charge-offs to loans | 0.2618% | 797 |
| Credit loss provision to net charge-offs | 74.2515% | 1,877 |
| Earnings coverage of net charge-offs (x) | 4.8263% | 2,391 |
| Efficiency ratio | 74.1791% | 2,446 |
| Assets per employee ($millions) | 6.6741% | 1,021 |
| Cash dividends to net income (ytd only)* | 3.6739% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 3,833 |
| Loan loss allowance to noncurrent loans | 189.3984% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 3,231 |
| Noncurrent loans to loans | 0.6020% | 3,373 |
| Net loans and leases to total assets | 72.0569% | 2,027 |
| Net loans and leases to deposits | 81.0879% | 2,663 |
| Net loans and leases to core deposits | 81.9939% | 3,128 |
| Total domestic deposits to total assets | 88.8626% | 1,175 |
| Equity capital to assets | 7.9355% | 5,846 |
| Core capital (leverage) ratio | 7.8962% | 5,813 |
| Tier 1 risk-based capital ratio | 10.5497% | 5,729 |
| Total risk-based capital ratio | 11.6586% | 5,713 |
| Memoranda: | ||
| Average total assets | $701,291,000 | 1,025 |
| Average earning assets | $671,402,000 | 992 |
| Average equity | $60,014,500 | 1,295 |
| Average total loans | $510,310,000 | 954 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7729% | 4,125 |
| Cost of funding earning assets | 0.2961% | 4,295 |
| Net interest margin | 3.4768% | 3,609 |
| Noninterest income to average assets | 0.3975% | 4,050 |
| Noninterest expense to average assets | 3.0403% | 2,413 |
| Loan and lease loss provision to assets | 0.1032% | 2,264 |
| Net operating income to assets | 0.3588% | 5,182 |
| Return on assets (ROA) | 0.3588% | 5,266 |
| Pretax return on assets | 0.5587% | 4,966 |
| Return on Equity (ROE) | 3.6052% | 5,104 |
| Retained earnings to average equity (ytd only) | 3.2911% | 3,704 |
| Net charge-offs to loans | 0.1591% | 1,786 |
| Credit loss provision to net charge-offs | 82.5000% | 2,904 |
| Earnings coverage of net charge-offs (x) | 5.2913% | 3,414 |
| Efficiency ratio | 82.1226% | 1,396 |
| Assets per employee ($millions) | 6.5589% | 1,074 |
| Cash dividends to net income (ytd only)* | 8.7146% | 4,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 3,710 |
| Loan loss allowance to noncurrent loans | 150.1143% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.5610% | 3,409 |
| Noncurrent loans to loans | 0.7722% | 2,862 |
| Net loans and leases to total assets | 71.8046% | 2,087 |
| Net loans and leases to deposits | 81.0214% | 2,707 |
| Net loans and leases to core deposits | 82.0373% | 3,142 |
| Total domestic deposits to total assets | 88.6242% | 1,321 |
| Equity capital to assets | 9.1790% | 4,936 |
| Core capital (leverage) ratio | 9.3413% | 4,408 |
| Tier 1 risk-based capital ratio | 12.4191% | 4,687 |
| Total risk-based capital ratio | 13.5588% | 4,648 |
| Memoranda: | ||
| Average total assets | $639,565,600 | 1,070 |
| Average earning assets | $607,914,200 | 1,032 |
| Average equity | $63,657,200 | 1,184 |
| Average total loans | $502,892,600 | 934 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8483% | 3,947 |
| Cost of funding earning assets | 0.3068% | 4,258 |
| Net interest margin | 3.5415% | 3,378 |
| Noninterest income to average assets | 0.3944% | 4,123 |
| Noninterest expense to average assets | 2.8602% | 2,976 |
| Loan and lease loss provision to assets | 0.1378% | 1,616 |
| Net operating income to assets | 0.5055% | 4,765 |
| Return on assets (ROA) | 0.5055% | 4,856 |
| Pretax return on assets | 0.7557% | 4,470 |
| Return on Equity (ROE) | 4.9705% | 4,641 |
| Retained earnings to average equity (ytd only) | 4.6553% | 3,160 |
| Net charge-offs to loans | 0.1530% | 1,613 |
| Credit loss provision to net charge-offs | 112.1739% | 2,087 |
| Earnings coverage of net charge-offs (x) | 7.2730% | 2,934 |
| Efficiency ratio | 76.1954% | 2,216 |
| Assets per employee ($millions) | 5.8505% | 1,472 |
| Cash dividends to net income (ytd only)* | 6.3400% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 3,662 |
| Loan loss allowance to noncurrent loans | 137.5281% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.6852% | 3,196 |
| Noncurrent loans to loans | 0.8724% | 2,803 |
| Net loans and leases to total assets | 77.6039% | 1,162 |
| Net loans and leases to deposits | 89.9912% | 1,654 |
| Net loans and leases to core deposits | 91.4229% | 2,323 |
| Total domestic deposits to total assets | 86.2350% | 2,422 |
| Equity capital to assets | 9.9606% | 4,202 |
| Core capital (leverage) ratio | 10.0420% | 3,564 |
| Tier 1 risk-based capital ratio | 12.5303% | 4,738 |
| Total risk-based capital ratio | 13.7191% | 4,681 |
| Memoranda: | ||
| Average total assets | $624,005,750 | 1,102 |
| Average earning assets | $591,893,750 | 1,067 |
| Average equity | $63,466,750 | 1,197 |
| Average total loans | $501,156,250 | 935 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8583% | 3,833 |
| Cost of funding earning assets | 0.3150% | 4,221 |
| Net interest margin | 3.5432% | 3,320 |
| Noninterest income to average assets | 0.3902% | 4,152 |
| Noninterest expense to average assets | 2.9129% | 2,853 |
| Loan and lease loss provision to assets | 0.1738% | 1,199 |
| Net operating income to assets | 0.4412% | 5,002 |
| Return on assets (ROA) | 0.4412% | 5,096 |
| Pretax return on assets | 0.6619% | 4,782 |
| Return on Equity (ROE) | 4.3070% | 4,901 |
| Retained earnings to average equity (ytd only) | 3.9898% | 3,476 |
| Net charge-offs to loans | 0.2027% | 1,247 |
| Credit loss provision to net charge-offs | 105.9406% | 1,974 |
| Earnings coverage of net charge-offs (x) | 5.0931% | 2,959 |
| Efficiency ratio | 77.7065% | 2,108 |
| Assets per employee ($millions) | 5.5101% | 1,727 |
| Cash dividends to net income (ytd only)* | 7.3638% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 3,771 |
| Loan loss allowance to noncurrent loans | 125.1029% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.7604% | 3,104 |
| Noncurrent loans to loans | 0.9617% | 2,727 |
| Net loans and leases to total assets | 78.1087% | 1,056 |
| Net loans and leases to deposits | 89.7175% | 1,635 |
| Net loans and leases to core deposits | 91.2262% | 2,224 |
| Total domestic deposits to total assets | 87.0607% | 2,136 |
| Equity capital to assets | 9.9674% | 4,078 |
| Core capital (leverage) ratio | 10.2062% | 3,330 |
| Tier 1 risk-based capital ratio | 12.5097% | 4,796 |
| Total risk-based capital ratio | 13.7063% | 4,748 |
| Memoranda: | ||
| Average total assets | $615,538,330 | 1,120 |
| Average earning assets | $583,420,330 | 1,083 |
| Average equity | $63,060,670 | 1,211 |
| Average total loans | $498,179,670 | 943 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 3,687 |
| Cost of funding earning assets | 0.3281% | 4,125 |
| Net interest margin | 3.5550% | 3,205 |
| Noninterest income to average assets | 0.4128% | 3,898 |
| Noninterest expense to average assets | 2.9934% | 2,606 |
| Loan and lease loss provision to assets | 0.1690% | 1,182 |
| Net operating income to assets | 0.4081% | 5,042 |
| Return on assets (ROA) | 0.4081% | 5,153 |
| Pretax return on assets | 0.6175% | 4,866 |
| Return on Equity (ROE) | 3.9275% | 5,008 |
| Retained earnings to average equity (ytd only) | 3.6087% | 3,834 |
| Net charge-offs to loans | 0.1520% | 1,345 |
| Credit loss provision to net charge-offs | 135.6383% | 1,339 |
| Earnings coverage of net charge-offs (x) | 6.3138% | 2,308 |
| Efficiency ratio | 79.1937% | 2,004 |
| Assets per employee ($millions) | 5.5555% | 1,753 |
| Cash dividends to net income (ytd only)* | 8.1169% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 3,783 |
| Loan loss allowance to noncurrent loans | 102.7204% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.9571% | 2,711 |
| Noncurrent loans to loans | 1.1977% | 2,376 |
| Net loans and leases to total assets | 78.9226% | 801 |
| Net loans and leases to deposits | 91.0465% | 1,289 |
| Net loans and leases to core deposits | 92.6703% | 1,888 |
| Total domestic deposits to total assets | 86.6839% | 2,560 |
| Equity capital to assets | 10.1412% | 3,962 |
| Core capital (leverage) ratio | 10.4793% | 2,990 |
| Tier 1 risk-based capital ratio | 12.6790% | 4,795 |
| Total risk-based capital ratio | 13.9125% | 4,721 |
| Memoranda: | ||
| Average total assets | $603,719,500 | 1,147 |
| Average earning assets | $571,820,000 | 1,110 |
| Average equity | $62,736,500 | 1,217 |
| Average total loans | $494,603,500 | 950 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1322% | 3,196 |
| Cost of funding earning assets | 0.4134% | 3,562 |
| Net interest margin | 3.7189% | 2,934 |
| Noninterest income to average assets | 0.5561% | 3,138 |
| Noninterest expense to average assets | 3.1180% | 2,463 |
| Loan and lease loss provision to assets | 0.2023% | 1,255 |
| Net operating income to assets | 0.4904% | 4,844 |
| Return on assets (ROA) | 0.4904% | 4,934 |
| Pretax return on assets | 0.7443% | 4,466 |
| Return on Equity (ROE) | 4.6108% | 4,840 |
| Retained earnings to average equity (ytd only) | 4.2823% | 3,141 |
| Net charge-offs to loans | 0.2100% | 1,986 |
| Credit loss provision to net charge-offs | 115.3386% | 2,069 |
| Earnings coverage of net charge-offs (x) | 5.3964% | 3,426 |
| Efficiency ratio | 76.7108% | 2,412 |
| Assets per employee ($millions) | 5.2723% | 1,992 |
| Cash dividends to net income (ytd only)* | 7.1250% | 4,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 3,830 |
| Loan loss allowance to noncurrent loans | 95.7278% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 2,586 |
| Noncurrent loans to loans | 1.2845% | 2,308 |
| Net loans and leases to total assets | 83.0403% | 427 |
| Net loans and leases to deposits | 94.6271% | 1,022 |
| Net loans and leases to core deposits | 96.6303% | 1,667 |
| Total domestic deposits to total assets | 87.7552% | 1,893 |
| Equity capital to assets | 10.6580% | 3,291 |
| Core capital (leverage) ratio | 10.6184% | 2,813 |
| Tier 1 risk-based capital ratio | 12.7911% | 4,863 |
| Total risk-based capital ratio | 14.0355% | 4,777 |
| Memoranda: | ||
| Average total assets | $572,360,600 | 1,154 |
| Average earning assets | $539,978,000 | 1,123 |
| Average equity | $60,879,200 | 1,200 |
| Average total loans | $478,070,400 | 926 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1270% | 3,263 |
| Cost of funding earning assets | 0.4257% | 3,515 |
| Net interest margin | 3.7013% | 3,019 |
| Noninterest income to average assets | 0.5547% | 3,170 |
| Noninterest expense to average assets | 3.1162% | 2,422 |
| Loan and lease loss provision to assets | 0.2144% | 1,073 |
| Net operating income to assets | 0.4622% | 5,026 |
| Return on assets (ROA) | 0.4622% | 5,102 |
| Pretax return on assets | 0.7154% | 4,655 |
| Return on Equity (ROE) | 4.3477% | 5,021 |
| Retained earnings to average equity (ytd only) | 4.0172% | 3,788 |
| Net charge-offs to loans | 0.1697% | 2,103 |
| Credit loss provision to net charge-offs | 151.4901% | 1,570 |
| Earnings coverage of net charge-offs (x) | 6.5712% | 3,058 |
| Efficiency ratio | 77.0193% | 2,350 |
| Assets per employee ($millions) | 5.4353% | 1,783 |
| Cash dividends to net income (ytd only)* | 7.6028% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 3,809 |
| Loan loss allowance to noncurrent loans | 104.8834% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.9898% | 2,975 |
| Noncurrent loans to loans | 1.2112% | 2,620 |
| Net loans and leases to total assets | 80.6813% | 642 |
| Net loans and leases to deposits | 91.6379% | 1,263 |
| Net loans and leases to core deposits | 93.4807% | 1,919 |
| Total domestic deposits to total assets | 88.0436% | 1,739 |
| Equity capital to assets | 10.2937% | 3,798 |
| Core capital (leverage) ratio | 10.7564% | 2,753 |
| Tier 1 risk-based capital ratio | 12.6452% | 5,067 |
| Total risk-based capital ratio | 13.8955% | 4,984 |
| Memoranda: | ||
| Average total assets | $569,145,250 | 1,170 |
| Average earning assets | $536,840,750 | 1,136 |
| Average equity | $60,505,750 | 1,213 |
| Average total loans | $474,583,000 | 938 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 3,079 |
| Cost of funding earning assets | 0.4437% | 3,399 |
| Net interest margin | 3.7217% | 2,871 |
| Noninterest income to average assets | 0.5479% | 3,143 |
| Noninterest expense to average assets | 3.1278% | 2,401 |
| Loan and lease loss provision to assets | 0.2538% | 855 |
| Net operating income to assets | 0.4371% | 5,069 |
| Return on assets (ROA) | 0.4371% | 5,151 |
| Pretax return on assets | 0.6766% | 4,719 |
| Return on Equity (ROE) | 4.0658% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.7334% | 3,818 |
| Net charge-offs to loans | 0.1830% | 1,928 |
| Credit loss provision to net charge-offs | 165.1163% | 1,364 |
| Earnings coverage of net charge-offs (x) | 6.0535% | 2,829 |
| Efficiency ratio | 77.0742% | 2,442 |
| Assets per employee ($millions) | 5.0518% | 2,146 |
| Cash dividends to net income (ytd only)* | 8.1766% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 3,952 |
| Loan loss allowance to noncurrent loans | 90.2133% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.1887% | 2,706 |
| Noncurrent loans to loans | 1.4211% | 2,428 |
| Net loans and leases to total assets | 82.5775% | 413 |
| Net loans and leases to deposits | 93.8997% | 964 |
| Net loans and leases to core deposits | 95.8499% | 1,614 |
| Total domestic deposits to total assets | 87.9423% | 1,934 |
| Equity capital to assets | 10.5787% | 3,341 |
| Core capital (leverage) ratio | 10.9355% | 2,486 |
| Tier 1 risk-based capital ratio | 12.6502% | 5,121 |
| Total risk-based capital ratio | 13.9007% | 5,059 |
| Memoranda: | ||
| Average total assets | $559,566,000 | 1,192 |
| Average earning assets | $527,775,330 | 1,155 |
| Average equity | $60,159,670 | 1,211 |
| Average total loans | $469,915,000 | 942 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1437% | 3,118 |
| Cost of funding earning assets | 0.4570% | 3,352 |
| Net interest margin | 3.6867% | 2,919 |
| Noninterest income to average assets | 0.5013% | 3,400 |
| Noninterest expense to average assets | 3.2420% | 2,097 |
| Loan and lease loss provision to assets | 0.1850% | 1,292 |
| Net operating income to assets | 0.3642% | 5,258 |
| Return on assets (ROA) | 0.3642% | 5,325 |
| Pretax return on assets | 0.5680% | 4,941 |
| Return on Equity (ROE) | 3.3591% | 5,333 |
| Retained earnings to average equity (ytd only) | 3.0245% | 4,298 |
| Net charge-offs to loans | 0.1560% | 1,780 |
| Credit loss provision to net charge-offs | 140.8840% | 1,313 |
| Earnings coverage of net charge-offs (x) | 5.7348% | 2,342 |
| Efficiency ratio | 81.1513% | 2,033 |
| Assets per employee ($millions) | 5.1492% | 2,069 |
| Cash dividends to net income (ytd only)* | 9.9602% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 4,221 |
| Loan loss allowance to noncurrent loans | 69.8327% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 1.5516% | 2,278 |
| Noncurrent loans to loans | 1.8342% | 2,092 |
| Net loans and leases to total assets | 83.5117% | 262 |
| Net loans and leases to deposits | 94.7748% | 731 |
| Net loans and leases to core deposits | 96.7749% | 1,325 |
| Total domestic deposits to total assets | 88.1160% | 2,164 |
| Equity capital to assets | 10.8965% | 2,829 |
| Core capital (leverage) ratio | 10.8455% | 2,547 |
| Tier 1 risk-based capital ratio | 12.8445% | 5,096 |
| Total risk-based capital ratio | 14.0950% | 5,042 |
| Memoranda: | ||
| Average total assets | $551,396,500 | 1,223 |
| Average earning assets | $522,529,000 | 1,172 |
| Average equity | $59,778,000 | 1,221 |
| Average total loans | $464,000,500 | 957 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1118% | 3,690 |
| Cost of funding earning assets | 0.5631% | 2,994 |
| Net interest margin | 3.5487% | 3,689 |
| Noninterest income to average assets | 0.5588% | 3,345 |
| Noninterest expense to average assets | 3.1414% | 2,618 |
| Loan and lease loss provision to assets | 0.1552% | 2,336 |
| Net operating income to assets | 0.3975% | 5,152 |
| Return on assets (ROA) | 0.3975% | 5,268 |
| Pretax return on assets | 0.6441% | 4,725 |
| Return on Equity (ROE) | 3.7591% | 5,213 |
| Retained earnings to average equity (ytd only) | 3.4174% | 3,803 |
| Net charge-offs to loans | 0.2713% | 2,342 |
| Credit loss provision to net charge-offs | 70.8162% | 3,288 |
| Earnings coverage of net charge-offs (x) | 3.6472% | 3,797 |
| Efficiency ratio | 79.7176% | 2,197 |
| Assets per employee ($millions) | 5.2555% | 1,897 |
| Cash dividends to net income (ytd only)* | 9.0909% | 4,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 4,262 |
| Loan loss allowance to noncurrent loans | 71.6403% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 1.4914% | 2,492 |
| Noncurrent loans to loans | 1.7817% | 2,255 |
| Net loans and leases to total assets | 82.6371% | 354 |
| Net loans and leases to deposits | 93.9307% | 883 |
| Net loans and leases to core deposits | 95.6790% | 1,476 |
| Total domestic deposits to total assets | 87.9766% | 2,188 |
| Equity capital to assets | 10.7860% | 2,837 |
| Core capital (leverage) ratio | 10.7073% | 2,670 |
| Tier 1 risk-based capital ratio | 13.1916% | 4,858 |
| Total risk-based capital ratio | 14.4423% | 4,793 |
| Memoranda: | ||
| Average total assets | $553,506,800 | 1,197 |
| Average earning assets | $527,482,600 | 1,147 |
| Average equity | $58,524,800 | 1,234 |
| Average total loans | $447,186,800 | 955 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1120% | 3,711 |
| Cost of funding earning assets | 0.5791% | 3,008 |
| Net interest margin | 3.5330% | 3,744 |
| Noninterest income to average assets | 0.5671% | 3,350 |
| Noninterest expense to average assets | 3.1770% | 2,429 |
| Loan and lease loss provision to assets | 0.1779% | 2,046 |
| Net operating income to assets | 0.3642% | 5,393 |
| Return on assets (ROA) | 0.3642% | 5,524 |
| Pretax return on assets | 0.5753% | 5,110 |
| Return on Equity (ROE) | 3.4616% | 5,455 |
| Retained earnings to average equity (ytd only) | 3.1184% | 4,455 |
| Net charge-offs to loans | 0.2925% | 2,075 |
| Credit loss provision to net charge-offs | 75.9507% | 2,948 |
| Earnings coverage of net charge-offs (x) | 3.2158% | 3,766 |
| Efficiency ratio | 80.8366% | 1,993 |
| Assets per employee ($millions) | 5.3883% | 1,746 |
| Cash dividends to net income (ytd only)* | 9.9143% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 4,148 |
| Loan loss allowance to noncurrent loans | 97.9326% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.1713% | 3,313 |
| Noncurrent loans to loans | 1.3753% | 3,116 |
| Net loans and leases to total assets | 78.6316% | 688 |
| Net loans and leases to deposits | 89.1593% | 1,250 |
| Net loans and leases to core deposits | 91.1370% | 1,858 |
| Total domestic deposits to total assets | 88.1923% | 2,004 |
| Equity capital to assets | 10.5290% | 3,245 |
| Core capital (leverage) ratio | 10.5663% | 2,933 |
| Tier 1 risk-based capital ratio | 13.3425% | 4,878 |
| Total risk-based capital ratio | 14.5938% | 4,809 |
| Memoranda: | ||
| Average total assets | $553,927,250 | 1,209 |
| Average earning assets | $527,286,500 | 1,162 |
| Average equity | $58,276,000 | 1,243 |
| Average total loans | $443,506,500 | 968 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1318% | 3,619 |
| Cost of funding earning assets | 0.5930% | 3,004 |
| Net interest margin | 3.5387% | 3,617 |
| Noninterest income to average assets | 0.5651% | 3,414 |
| Noninterest expense to average assets | 3.1727% | 2,433 |
| Loan and lease loss provision to assets | 0.2458% | 1,519 |
| Net operating income to assets | 0.3295% | 5,488 |
| Return on assets (ROA) | 0.3295% | 5,648 |
| Pretax return on assets | 0.5122% | 5,330 |
| Return on Equity (ROE) | 3.1327% | 5,575 |
| Retained earnings to average equity (ytd only) | 2.7880% | 4,537 |
| Net charge-offs to loans | 0.3273% | 1,880 |
| Credit loss provision to net charge-offs | 93.6464% | 2,359 |
| Earnings coverage of net charge-offs (x) | 2.8881% | 3,558 |
| Efficiency ratio | 80.7174% | 2,060 |
| Assets per employee ($millions) | 5.1520% | 1,930 |
| Cash dividends to net income (ytd only)* | 11.0011% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 4,138 |
| Loan loss allowance to noncurrent loans | 69.6531% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.8042% | 2,407 |
| Noncurrent loans to loans | 1.9774% | 2,430 |
| Net loans and leases to total assets | 80.5848% | 479 |
| Net loans and leases to deposits | 91.8074% | 983 |
| Net loans and leases to core deposits | 93.7349% | 1,542 |
| Total domestic deposits to total assets | 87.7759% | 2,400 |
| Equity capital to assets | 10.5929% | 3,181 |
| Core capital (leverage) ratio | 10.7503% | 2,620 |
| Tier 1 risk-based capital ratio | 12.6611% | 5,382 |
| Total risk-based capital ratio | 13.9124% | 5,325 |
| Memoranda: | ||
| Average total assets | $551,773,670 | 1,217 |
| Average earning assets | $524,765,330 | 1,166 |
| Average equity | $58,033,670 | 1,250 |
| Average total loans | $442,456,000 | 965 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1061% | 3,702 |
| Cost of funding earning assets | 0.6148% | 2,970 |
| Net interest margin | 3.4913% | 3,734 |
| Noninterest income to average assets | 0.5152% | 3,678 |
| Noninterest expense to average assets | 3.1375% | 2,551 |
| Loan and lease loss provision to assets | 0.1362% | 2,540 |
| Net operating income to assets | 0.3623% | 5,295 |
| Return on assets (ROA) | 0.3623% | 5,431 |
| Pretax return on assets | 0.5623% | 5,073 |
| Return on Equity (ROE) | 3.4570% | 5,362 |
| Retained earnings to average equity (ytd only) | 3.1113% | 4,409 |
| Net charge-offs to loans | 0.2700% | 1,878 |
| Credit loss provision to net charge-offs | 63.5135% | 2,379 |
| Earnings coverage of net charge-offs (x) | 3.2568% | 2,807 |
| Efficiency ratio | 81.7907% | 2,072 |
| Assets per employee ($millions) | 5.0320% | 2,173 |
| Cash dividends to net income (ytd only)* | 10.0000% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 4,183 |
| Loan loss allowance to noncurrent loans | 65.9579% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 1.9420% | 2,418 |
| Noncurrent loans to loans | 2.1370% | 2,454 |
| Net loans and leases to total assets | 79.7911% | 443 |
| Net loans and leases to deposits | 91.9489% | 804 |
| Net loans and leases to core deposits | 93.7414% | 1,366 |
| Total domestic deposits to total assets | 86.7776% | 3,087 |
| Equity capital to assets | 10.7860% | 3,212 |
| Core capital (leverage) ratio | 10.6398% | 2,605 |
| Tier 1 risk-based capital ratio | 13.1267% | 5,125 |
| Total risk-based capital ratio | 14.3785% | 5,076 |
| Memoranda: | ||
| Average total assets | $552,028,500 | 1,224 |
| Average earning assets | $525,073,500 | 1,176 |
| Average equity | $57,853,000 | 1,261 |
| Average total loans | $438,464,500 | 978 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3123% | 4,146 |
| Cost of funding earning assets | 0.8975% | 1,950 |
| Net interest margin | 3.4149% | 4,832 |
| Noninterest income to average assets | 0.5079% | 3,844 |
| Noninterest expense to average assets | 2.8742% | 3,743 |
| Loan and lease loss provision to assets | 0.2906% | 2,347 |
| Net operating income to assets | 0.3797% | 5,182 |
| Return on assets (ROA) | 0.3797% | 5,410 |
| Pretax return on assets | 0.5898% | 5,022 |
| Return on Equity (ROE) | 3.6991% | 5,271 |
| Retained earnings to average equity (ytd only) | 3.2765% | 3,922 |
| Net charge-offs to loans | 0.2898% | 3,205 |
| Credit loss provision to net charge-offs | 128.5372% | 2,191 |
| Earnings coverage of net charge-offs (x) | 3.8937% | 3,557 |
| Efficiency ratio | 76.5513% | 2,653 |
| Assets per employee ($millions) | 5.3362% | 1,855 |
| Cash dividends to net income (ytd only)* | 11.4231% | 4,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 4,091 |
| Loan loss allowance to noncurrent loans | 67.6480% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.8349% | 2,669 |
| Noncurrent loans to loans | 2.0942% | 2,583 |
| Net loans and leases to total assets | 76.8913% | 800 |
| Net loans and leases to deposits | 88.2903% | 1,233 |
| Net loans and leases to core deposits | 89.8704% | 1,849 |
| Total domestic deposits to total assets | 87.0892% | 2,791 |
| Equity capital to assets | 10.1889% | 3,903 |
| Core capital (leverage) ratio | 10.3028% | 3,011 |
| Tier 1 risk-based capital ratio | 12.7583% | 5,287 |
| Total risk-based capital ratio | 14.0101% | 5,222 |
| Memoranda: | ||
| Average total assets | $553,261,200 | 1,213 |
| Average earning assets | $526,025,800 | 1,145 |
| Average equity | $56,797,600 | 1,251 |
| Average total loans | $431,751,200 | 967 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 4,249 |
| Cost of funding earning assets | 0.9604% | 1,781 |
| Net interest margin | 3.3907% | 5,064 |
| Noninterest income to average assets | 0.5302% | 3,744 |
| Noninterest expense to average assets | 2.8667% | 3,727 |
| Loan and lease loss provision to assets | 0.2583% | 2,507 |
| Net operating income to assets | 0.4178% | 5,175 |
| Return on assets (ROA) | 0.4178% | 5,407 |
| Pretax return on assets | 0.6335% | 5,071 |
| Return on Equity (ROE) | 4.0619% | 5,259 |
| Retained earnings to average equity (ytd only) | 3.6143% | 4,334 |
| Net charge-offs to loans | 0.3046% | 2,914 |
| Credit loss provision to net charge-offs | 108.6646% | 2,703 |
| Earnings coverage of net charge-offs (x) | 3.7513% | 3,530 |
| Efficiency ratio | 76.2718% | 2,634 |
| Assets per employee ($millions) | 5.0612% | 2,105 |
| Cash dividends to net income (ytd only)* | 11.0210% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 4,426 |
| Loan loss allowance to noncurrent loans | 88.2622% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.3338% | 3,632 |
| Noncurrent loans to loans | 1.5734% | 3,430 |
| Net loans and leases to total assets | 78.3871% | 681 |
| Net loans and leases to deposits | 90.8677% | 1,059 |
| Net loans and leases to core deposits | 92.6300% | 1,713 |
| Total domestic deposits to total assets | 86.2651% | 3,109 |
| Equity capital to assets | 10.5934% | 3,742 |
| Core capital (leverage) ratio | 10.4739% | 2,950 |
| Tier 1 risk-based capital ratio | 13.0142% | 5,238 |
| Total risk-based capital ratio | 14.2655% | 5,195 |
| Memoranda: | ||
| Average total assets | $550,167,500 | 1,232 |
| Average earning assets | $523,811,750 | 1,166 |
| Average equity | $56,589,000 | 1,261 |
| Average total loans | $429,395,250 | 983 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3411% | 4,416 |
| Cost of funding earning assets | 0.9888% | 1,834 |
| Net interest margin | 3.3523% | 5,263 |
| Noninterest income to average assets | 0.5678% | 3,466 |
| Noninterest expense to average assets | 2.8511% | 3,822 |
| Loan and lease loss provision to assets | 0.3132% | 2,105 |
| Net operating income to assets | 0.3956% | 5,222 |
| Return on assets (ROA) | 0.3956% | 5,467 |
| Pretax return on assets | 0.5996% | 5,135 |
| Return on Equity (ROE) | 3.8843% | 5,323 |
| Retained earnings to average equity (ytd only) | 3.3837% | 4,350 |
| Net charge-offs to loans | 0.3370% | 2,673 |
| Credit loss provision to net charge-offs | 119.7787% | 2,298 |
| Earnings coverage of net charge-offs (x) | 3.4910% | 3,352 |
| Efficiency ratio | 75.7494% | 2,778 |
| Assets per employee ($millions) | 5.2600% | 1,853 |
| Cash dividends to net income (ytd only)* | 12.8885% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3815% | 4,531 |
| Loan loss allowance to noncurrent loans | 83.9967% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.3826% | 3,659 |
| Noncurrent loans to loans | 1.6447% | 3,441 |
| Net loans and leases to total assets | 78.0169% | 723 |
| Net loans and leases to deposits | 90.2944% | 1,119 |
| Net loans and leases to core deposits | 92.1514% | 1,766 |
| Total domestic deposits to total assets | 86.4028% | 3,138 |
| Equity capital to assets | 10.2838% | 3,959 |
| Core capital (leverage) ratio | 10.3112% | 3,034 |
| Tier 1 risk-based capital ratio | 12.7368% | 5,389 |
| Total risk-based capital ratio | 13.9883% | 5,355 |
| Memoranda: | ||
| Average total assets | $553,041,000 | 1,225 |
| Average earning assets | $527,286,000 | 1,162 |
| Average equity | $56,329,330 | 1,261 |
| Average total loans | $429,033,330 | 980 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3268% | 4,626 |
| Cost of funding earning assets | 1.0037% | 1,959 |
| Net interest margin | 3.3231% | 5,393 |
| Noninterest income to average assets | 0.4344% | 4,417 |
| Noninterest expense to average assets | 2.9020% | 3,615 |
| Loan and lease loss provision to assets | 0.1648% | 3,331 |
| Net operating income to assets | 0.3563% | 5,449 |
| Return on assets (ROA) | 0.3563% | 5,628 |
| Pretax return on assets | 0.5406% | 5,316 |
| Return on Equity (ROE) | 3.5154% | 5,501 |
| Retained earnings to average equity (ytd only) | 3.0876% | 4,707 |
| Net charge-offs to loans | 0.1543% | 3,166 |
| Credit loss provision to net charge-offs | 139.0244% | 1,769 |
| Earnings coverage of net charge-offs (x) | 5.9512% | 2,269 |
| Efficiency ratio | 80.4448% | 2,148 |
| Assets per employee ($millions) | 5.4858% | 1,706 |
| Cash dividends to net income (ytd only)* | 12.1704% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 4,618 |
| Loan loss allowance to noncurrent loans | 122.4712% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 1.0908% | 4,312 |
| Noncurrent loans to loans | 1.1434% | 4,427 |
| Net loans and leases to total assets | 78.0196% | 587 |
| Net loans and leases to deposits | 90.0486% | 958 |
| Net loans and leases to core deposits | 91.9833% | 1,649 |
| Total domestic deposits to total assets | 86.6416% | 3,158 |
| Equity capital to assets | 10.4685% | 3,529 |
| Core capital (leverage) ratio | 10.3573% | 2,920 |
| Tier 1 risk-based capital ratio | 13.0707% | 5,152 |
| Total risk-based capital ratio | 14.3224% | 5,120 |
| Memoranda: | ||
| Average total assets | $553,412,500 | 1,228 |
| Average earning assets | $528,422,000 | 1,160 |
| Average equity | $56,095,500 | 1,268 |
| Average total loans | $425,089,000 | 984 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6995% | 4,250 |
| Cost of funding earning assets | 1.2168% | 1,914 |
| Net interest margin | 3.4827% | 5,212 |
| Noninterest income to average assets | 0.4171% | 4,476 |
| Noninterest expense to average assets | 2.9828% | 3,655 |
| Loan and lease loss provision to assets | 0.2339% | 3,866 |
| Net operating income to assets | 1.0829% | 1,887 |
| Return on assets (ROA) | 1.0829% | 2,016 |
| Pretax return on assets | 0.5248% | 4,919 |
| Return on Equity (ROE) | 11.6564% | 1,512 |
| Retained earnings to average equity (ytd only) | 10.5173% | 471 |
| Net charge-offs to loans | 0.1782% | 4,723 |
| Credit loss provision to net charge-offs | 160.8755% | 1,714 |
| Earnings coverage of net charge-offs (x) | 5.2175% | 2,862 |
| Efficiency ratio | 79.7225% | 2,345 |
| Assets per employee ($millions) | 5.9917% | 1,232 |
| Cash dividends to net income (ytd only)* | 9.7722% | 3,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 4,526 |
| Loan loss allowance to noncurrent loans | 134.0232% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 1.0233% | 4,570 |
| Noncurrent loans to loans | 1.0351% | 4,636 |
| Net loans and leases to total assets | 73.5902% | 1,341 |
| Net loans and leases to deposits | 90.1478% | 1,141 |
| Net loans and leases to core deposits | 91.8320% | 1,901 |
| Total domestic deposits to total assets | 81.6329% | 5,258 |
| Equity capital to assets | 9.8225% | 4,412 |
| Core capital (leverage) ratio | 10.4268% | 2,818 |
| Tier 1 risk-based capital ratio | 12.9150% | 5,144 |
| Total risk-based capital ratio | 14.1664% | 5,116 |
| Memoranda: | ||
| Average total assets | $502,710,800 | 1,333 |
| Average earning assets | $479,862,800 | 1,275 |
| Average equity | $46,704,000 | 1,461 |
| Average total loans | $410,182,800 | 1,025 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8112% | 3,980 |
| Cost of funding earning assets | 1.2633% | 1,911 |
| Net interest margin | 3.5479% | 4,990 |
| Noninterest income to average assets | 0.4049% | 4,631 |
| Noninterest expense to average assets | 3.0455% | 3,373 |
| Loan and lease loss provision to assets | 0.2677% | 3,367 |
| Net operating income to assets | 0.4789% | 4,640 |
| Return on assets (ROA) | 0.4789% | 4,838 |
| Pretax return on assets | 0.4789% | 5,230 |
| Return on Equity (ROE) | 5.2428% | 4,425 |
| Retained earnings to average equity (ytd only) | 3.9487% | 3,909 |
| Net charge-offs to loans | 0.2440% | 3,900 |
| Credit loss provision to net charge-offs | 131.1828% | 2,426 |
| Earnings coverage of net charge-offs (x) | 3.6586% | 3,345 |
| Efficiency ratio | 80.3110% | 2,215 |
| Assets per employee ($millions) | 5.4658% | 1,637 |
| Cash dividends to net income (ytd only)* | 24.6849% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 4,760 |
| Loan loss allowance to noncurrent loans | 128.8859% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.9411% | 4,873 |
| Noncurrent loans to loans | 1.0499% | 4,805 |
| Net loans and leases to total assets | 80.5959% | 459 |
| Net loans and leases to deposits | 93.6768% | 863 |
| Net loans and leases to core deposits | 95.9637% | 1,609 |
| Total domestic deposits to total assets | 86.0360% | 3,201 |
| Equity capital to assets | 10.1852% | 4,110 |
| Core capital (leverage) ratio | 10.7329% | 2,634 |
| Tier 1 risk-based capital ratio | 12.0627% | 5,853 |
| Total risk-based capital ratio | 13.3155% | 5,837 |
| Memoranda: | ||
| Average total assets | $486,085,000 | 1,377 |
| Average earning assets | $464,076,250 | 1,324 |
| Average equity | $44,402,250 | 1,531 |
| Average total loans | $406,533,750 | 1,047 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 4,092 |
| Cost of funding earning assets | 1.2957% | 1,962 |
| Net interest margin | 3.5065% | 5,132 |
| Noninterest income to average assets | 0.3389% | 5,174 |
| Noninterest expense to average assets | 3.0831% | 3,318 |
| Loan and lease loss provision to assets | 0.1640% | 4,288 |
| Net operating income to assets | 0.4492% | 4,727 |
| Return on assets (ROA) | 0.4492% | 4,863 |
| Pretax return on assets | 0.4492% | 5,233 |
| Return on Equity (ROE) | 5.1294% | 4,390 |
| Retained earnings to average equity (ytd only) | 3.8314% | 3,772 |
| Net charge-offs to loans | 0.1975% | 3,965 |
| Credit loss provision to net charge-offs | 98.4887% | 3,203 |
| Earnings coverage of net charge-offs (x) | 3.6826% | 3,079 |
| Efficiency ratio | 83.4109% | 1,897 |
| Assets per employee ($millions) | 5.0218% | 2,093 |
| Cash dividends to net income (ytd only)* | 25.3035% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 4,811 |
| Loan loss allowance to noncurrent loans | 87.7176% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.3757% | 4,159 |
| Noncurrent loans to loans | 1.5437% | 4,088 |
| Net loans and leases to total assets | 82.2345% | 354 |
| Net loans and leases to deposits | 94.1357% | 864 |
| Net loans and leases to core deposits | 96.5898% | 1,620 |
| Total domestic deposits to total assets | 87.3574% | 2,546 |
| Equity capital to assets | 8.7371% | 5,890 |
| Core capital (leverage) ratio | 8.7214% | 5,189 |
| Tier 1 risk-based capital ratio | 10.3214% | 6,861 |
| Total risk-based capital ratio | 11.5726% | 6,855 |
| Memoranda: | ||
| Average total assets | $476,851,000 | 1,408 |
| Average earning assets | $456,582,670 | 1,346 |
| Average equity | $41,759,670 | 1,606 |
| Average total loans | $402,121,330 | 1,073 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 4,290 |
| Cost of funding earning assets | 1.3430% | 1,926 |
| Net interest margin | 3.4086% | 5,396 |
| Noninterest income to average assets | 0.3205% | 5,357 |
| Noninterest expense to average assets | 3.0365% | 3,502 |
| Loan and lease loss provision to assets | 0.1265% | 4,415 |
| Net operating income to assets | 0.4243% | 4,834 |
| Return on assets (ROA) | 0.4243% | 4,924 |
| Pretax return on assets | 0.4243% | 5,264 |
| Return on Equity (ROE) | 4.8390% | 4,484 |
| Retained earnings to average equity (ytd only) | 3.5402% | 4,065 |
| Net charge-offs to loans | 0.1651% | 3,486 |
| Credit loss provision to net charge-offs | 90.3614% | 2,943 |
| Earnings coverage of net charge-offs (x) | 3.9337% | 2,603 |
| Efficiency ratio | 84.6461% | 1,878 |
| Assets per employee ($millions) | 4.9737% | 2,205 |
| Cash dividends to net income (ytd only)* | 26.8390% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 4,881 |
| Loan loss allowance to noncurrent loans | 88.5412% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.5913% | 3,862 |
| Noncurrent loans to loans | 1.5290% | 4,180 |
| Net loans and leases to total assets | 82.8987% | 283 |
| Net loans and leases to deposits | 94.1095% | 809 |
| Net loans and leases to core deposits | 96.5542% | 1,634 |
| Total domestic deposits to total assets | 88.0875% | 2,324 |
| Equity capital to assets | 8.7450% | 5,585 |
| Core capital (leverage) ratio | 8.7905% | 4,947 |
| Tier 1 risk-based capital ratio | 10.2928% | 6,901 |
| Total risk-based capital ratio | 11.5442% | 6,890 |
| Memoranda: | ||
| Average total assets | $474,231,000 | 1,427 |
| Average earning assets | $454,500,000 | 1,361 |
| Average equity | $41,579,000 | 1,607 |
| Average total loans | $402,238,500 | 1,085 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0502% | 4,316 |
| Cost of funding earning assets | 1.6235% | 1,934 |
| Net interest margin | 3.4267% | 5,520 |
| Noninterest income to average assets | 0.3154% | 5,540 |
| Noninterest expense to average assets | 2.9348% | 4,089 |
| Loan and lease loss provision to assets | 0.3516% | 4,020 |
| Net operating income to assets | 0.2953% | 4,954 |
| Return on assets (ROA) | 0.2953% | 5,117 |
| Pretax return on assets | 0.2953% | 5,242 |
| Return on Equity (ROE) | 3.2331% | 4,850 |
| Retained earnings to average equity (ytd only) | 1.9041% | 4,534 |
| Net charge-offs to loans | 0.2766% | 4,641 |
| Credit loss provision to net charge-offs | 147.9774% | 2,467 |
| Earnings coverage of net charge-offs (x) | 2.7225% | 3,718 |
| Efficiency ratio | 81.9385% | 2,172 |
| Assets per employee ($millions) | 5.4766% | 1,606 |
| Cash dividends to net income (ytd only)* | 41.1052% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 4,742 |
| Loan loss allowance to noncurrent loans | 89.2383% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 1.6588% | 3,814 |
| Noncurrent loans to loans | 1.5140% | 4,214 |
| Net loans and leases to total assets | 84.4559% | 267 |
| Net loans and leases to deposits | 97.5563% | 750 |
| Net loans and leases to core deposits | 102.0786% | 1,450 |
| Total domestic deposits to total assets | 86.5715% | 3,047 |
| Equity capital to assets | 8.7906% | 5,447 |
| Core capital (leverage) ratio | 8.7385% | 4,959 |
| Tier 1 risk-based capital ratio | 10.2003% | 6,871 |
| Total risk-based capital ratio | 11.4515% | 6,848 |
| Memoranda: | ||
| Average total assets | $447,354,200 | 1,488 |
| Average earning assets | $426,417,400 | 1,421 |
| Average equity | $40,858,600 | 1,621 |
| Average total loans | $384,358,200 | 1,176 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0238% | 4,703 |
| Cost of funding earning assets | 1.6787% | 1,973 |
| Net interest margin | 3.3451% | 5,863 |
| Noninterest income to average assets | 0.2531% | 6,086 |
| Noninterest expense to average assets | 2.8756% | 4,180 |
| Loan and lease loss provision to assets | 0.3769% | 3,629 |
| Net operating income to assets | 0.1842% | 5,553 |
| Return on assets (ROA) | 0.1842% | 5,716 |
| Pretax return on assets | 0.1842% | 5,765 |
| Return on Equity (ROE) | 1.9972% | 5,610 |
| Retained earnings to average equity (ytd only) | 0.6646% | 5,537 |
| Net charge-offs to loans | 0.3073% | 4,122 |
| Credit loss provision to net charge-offs | 142.6286% | 2,765 |
| Earnings coverage of net charge-offs (x) | 2.1234% | 4,132 |
| Efficiency ratio | 83.6717% | 1,870 |
| Assets per employee ($millions) | 5.4680% | 1,654 |
| Cash dividends to net income (ytd only)* | 66.7212% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 4,739 |
| Loan loss allowance to noncurrent loans | 58.8933% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 2.1561% | 3,261 |
| Noncurrent loans to loans | 2.2818% | 3,350 |
| Net loans and leases to total assets | 83.8910% | 335 |
| Net loans and leases to deposits | 97.8989% | 801 |
| Net loans and leases to core deposits | 102.9183% | 1,573 |
| Total domestic deposits to total assets | 85.6914% | 3,246 |
| Equity capital to assets | 8.8156% | 5,839 |
| Core capital (leverage) ratio | 8.8165% | 4,976 |
| Tier 1 risk-based capital ratio | 10.2874% | 6,900 |
| Total risk-based capital ratio | 11.5386% | 6,893 |
| Memoranda: | ||
| Average total assets | $441,445,250 | 1,534 |
| Average earning assets | $420,148,750 | 1,460 |
| Average equity | $40,722,500 | 1,628 |
| Average total loans | $379,641,000 | 1,203 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0547% | 4,677 |
| Cost of funding earning assets | 1.7310% | 1,962 |
| Net interest margin | 3.3237% | 5,928 |
| Noninterest income to average assets | 0.2223% | 6,324 |
| Noninterest expense to average assets | 2.8695% | 4,191 |
| Loan and lease loss provision to assets | 0.3911% | 3,374 |
| Net operating income to assets | 0.1213% | 5,804 |
| Return on assets (ROA) | 0.1213% | 5,912 |
| Pretax return on assets | 0.1213% | 5,936 |
| Return on Equity (ROE) | 1.2943% | 5,868 |
| Retained earnings to average equity (ytd only) | -0.0394% | 5,741 |
| Net charge-offs to loans | 0.3077% | 3,776 |
| Credit loss provision to net charge-offs | 147.2222% | 2,683 |
| Earnings coverage of net charge-offs (x) | 1.9288% | 4,071 |
| Efficiency ratio | 84.8493% | 1,829 |
| Assets per employee ($millions) | 4.9570% | 2,233 |
| Cash dividends to net income (ytd only)* | 103.0418% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 4,686 |
| Loan loss allowance to noncurrent loans | 54.1186% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 2.2767% | 3,161 |
| Noncurrent loans to loans | 2.4921% | 3,159 |
| Net loans and leases to total assets | 84.4817% | 321 |
| Net loans and leases to deposits | 98.3181% | 844 |
| Net loans and leases to core deposits | 104.9075% | 1,548 |
| Total domestic deposits to total assets | 85.9269% | 3,132 |
| Equity capital to assets | 9.0271% | 5,405 |
| Core capital (leverage) ratio | 9.1722% | 4,337 |
| Tier 1 risk-based capital ratio | 10.5712% | 6,631 |
| Total risk-based capital ratio | 11.8226% | 6,630 |
| Memoranda: | ||
| Average total assets | $433,668,000 | 1,573 |
| Average earning assets | $412,250,000 | 1,501 |
| Average equity | $40,639,000 | 1,629 |
| Average total loans | $374,449,000 | 1,226 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1390% | 4,350 |
| Cost of funding earning assets | 1.8113% | 1,831 |
| Net interest margin | 3.3277% | 5,871 |
| Noninterest income to average assets | 0.1995% | 6,535 |
| Noninterest expense to average assets | 2.8662% | 4,201 |
| Loan and lease loss provision to assets | 0.3953% | 2,996 |
| Net operating income to assets | 0.1026% | 6,017 |
| Return on assets (ROA) | 0.1026% | 6,120 |
| Pretax return on assets | 0.1026% | 6,125 |
| Return on Equity (ROE) | 1.0739% | 6,097 |
| Retained earnings to average equity (ytd only) | -0.2660% | 5,892 |
| Net charge-offs to loans | 0.3929% | 2,864 |
| Credit loss provision to net charge-offs | 116.0221% | 3,003 |
| Earnings coverage of net charge-offs (x) | 1.4613% | 3,866 |
| Efficiency ratio | 85.1987% | 1,887 |
| Assets per employee ($millions) | 5.0807% | 2,126 |
| Cash dividends to net income (ytd only)* | 124.7706% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 4,709 |
| Loan loss allowance to noncurrent loans | 56.4010% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 2.0755% | 3,419 |
| Noncurrent loans to loans | 2.3846% | 3,290 |
| Net loans and leases to total assets | 85.8696% | 222 |
| Net loans and leases to deposits | 99.6739% | 778 |
| Net loans and leases to core deposits | 106.0657% | 1,568 |
| Total domestic deposits to total assets | 86.1505% | 3,068 |
| Equity capital to assets | 9.5077% | 4,523 |
| Core capital (leverage) ratio | 9.4390% | 3,869 |
| Tier 1 risk-based capital ratio | 10.7836% | 6,361 |
| Total risk-based capital ratio | 12.0347% | 6,340 |
| Memoranda: | ||
| Average total assets | $424,958,000 | 1,641 |
| Average earning assets | $404,125,500 | 1,575 |
| Average equity | $40,598,500 | 1,646 |
| Average total loans | $368,525,000 | 1,286 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2662% | 5,341 |
| Cost of funding earning assets | 2.2535% | 1,826 |
| Net interest margin | 3.0127% | 6,614 |
| Noninterest income to average assets | 0.2286% | 6,477 |
| Noninterest expense to average assets | 3.2783% | 3,087 |
| Loan and lease loss provision to assets | 0.8761% | 2,557 |
| Net operating income to assets | -1.0595% | 6,618 |
| Return on assets (ROA) | -1.0595% | 6,622 |
| Pretax return on assets | -1.0595% | 6,456 |
| Return on Equity (ROE) | -10.7239% | 6,671 |
| Retained earnings to average equity (ytd only) | -11.4198% | 6,632 |
| Net charge-offs to loans | 0.8270% | 2,758 |
| Credit loss provision to net charge-offs | 121.5845% | 4,371 |
| Earnings coverage of net charge-offs (x) | -0.2546% | 6,504 |
| Efficiency ratio | 105.9272% | 910 |
| Assets per employee ($millions) | 5.0373% | 2,167 |
| Cash dividends to net income (ytd only)* | -6.4895% | 7,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 4,474 |
| Loan loss allowance to noncurrent loans | 55.5206% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 2.1019% | 3,272 |
| Noncurrent loans to loans | 2.4329% | 3,118 |
| Net loans and leases to total assets | 85.2307% | 327 |
| Net loans and leases to deposits | 99.2413% | 971 |
| Net loans and leases to core deposits | 120.3056% | 1,927 |
| Total domestic deposits to total assets | 85.8823% | 3,068 |
| Equity capital to assets | 9.5998% | 4,271 |
| Core capital (leverage) ratio | 9.6371% | 3,540 |
| Tier 1 risk-based capital ratio | 10.8561% | 6,059 |
| Total risk-based capital ratio | 12.1072% | 6,029 |
| Memoranda: | ||
| Average total assets | $394,143,200 | 1,742 |
| Average earning assets | $374,974,000 | 1,677 |
| Average equity | $38,941,200 | 1,719 |
| Average total loans | $343,407,600 | 1,411 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2943% | 5,451 |
| Cost of funding earning assets | 2.3503% | 1,808 |
| Net interest margin | 2.9441% | 6,741 |
| Noninterest income to average assets | 0.2340% | 6,553 |
| Noninterest expense to average assets | 3.3655% | 2,673 |
| Loan and lease loss provision to assets | 0.7864% | 2,403 |
| Net operating income to assets | -1.1193% | 6,914 |
| Return on assets (ROA) | -1.1193% | 6,914 |
| Pretax return on assets | -1.1193% | 6,774 |
| Return on Equity (ROE) | -11.2419% | 6,972 |
| Retained earnings to average equity (ytd only) | -11.7127% | 6,932 |
| Net charge-offs to loans | 0.6732% | 2,674 |
| Credit loss provision to net charge-offs | 133.7632% | 3,725 |
| Earnings coverage of net charge-offs (x) | -0.5662% | 6,499 |
| Efficiency ratio | 110.9773% | 751 |
| Assets per employee ($millions) | 4.8491% | 2,333 |
| Cash dividends to net income (ytd only)* | -4.1872% | 7,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 3,952 |
| Loan loss allowance to noncurrent loans | 58.5124% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 2.0322% | 3,304 |
| Noncurrent loans to loans | 2.3919% | 3,153 |
| Net loans and leases to total assets | 83.7716% | 569 |
| Net loans and leases to deposits | 97.8419% | 1,348 |
| Net loans and leases to core deposits | 121.3520% | 2,133 |
| Total domestic deposits to total assets | 85.6194% | 2,906 |
| Equity capital to assets | 10.1183% | 3,943 |
| Core capital (leverage) ratio | 10.3520% | 2,923 |
| Tier 1 risk-based capital ratio | 11.7548% | 5,197 |
| Total risk-based capital ratio | 13.0067% | 5,140 |
| Memoranda: | ||
| Average total assets | $386,895,500 | 1,782 |
| Average earning assets | $367,779,500 | 1,723 |
| Average equity | $38,521,500 | 1,765 |
| Average total loans | $337,865,000 | 1,445 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3431% | 5,428 |
| Cost of funding earning assets | 2.4591% | 1,751 |
| Net interest margin | 2.8840% | 6,837 |
| Noninterest income to average assets | 0.2241% | 6,687 |
| Noninterest expense to average assets | 3.4856% | 2,381 |
| Loan and lease loss provision to assets | 0.4719% | 3,165 |
| Net operating income to assets | -0.9935% | 6,982 |
| Return on assets (ROA) | -0.9935% | 6,981 |
| Pretax return on assets | -0.9935% | 6,814 |
| Return on Equity (ROE) | -10.0373% | 7,038 |
| Retained earnings to average equity (ytd only) | -10.0373% | 6,880 |
| Net charge-offs to loans | 0.3482% | 3,447 |
| Credit loss provision to net charge-offs | 153.7005% | 2,992 |
| Earnings coverage of net charge-offs (x) | -1.6988% | 6,326 |
| Efficiency ratio | 117.5967% | 714 |
| Assets per employee ($millions) | 4.3645% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 3,820 |
| Loan loss allowance to noncurrent loans | 67.5849% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.7275% | 3,596 |
| Noncurrent loans to loans | 2.0471% | 3,449 |
| Net loans and leases to total assets | 83.2172% | 753 |
| Net loans and leases to deposits | 98.8648% | 1,411 |
| Net loans and leases to core deposits | 126.0779% | 1,864 |
| Total domestic deposits to total assets | 84.1727% | 3,664 |
| Equity capital to assets | 10.8592% | 3,051 |
| Core capital (leverage) ratio | 11.0991% | 2,332 |
| Tier 1 risk-based capital ratio | 12.6321% | 4,413 |
| Total risk-based capital ratio | 13.8836% | 4,333 |
| Memoranda: | ||
| Average total assets | $378,469,670 | 1,836 |
| Average earning assets | $359,565,330 | 1,782 |
| Average equity | $37,460,330 | 1,818 |
| Average total loans | $333,758,330 | 1,495 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4806% | 5,012 |
| Cost of funding earning assets | 2.5585% | 1,711 |
| Net interest margin | 2.9221% | 6,694 |
| Noninterest income to average assets | 0.2081% | 6,807 |
| Noninterest expense to average assets | 3.4981% | 2,102 |
| Loan and lease loss provision to assets | 0.1138% | 5,508 |
| Net operating income to assets | -0.6339% | 6,998 |
| Return on assets (ROA) | -0.6339% | 7,036 |
| Pretax return on assets | -0.6339% | 6,927 |
| Return on Equity (ROE) | -6.7580% | 7,127 |
| Retained earnings to average equity (ytd only) | -6.7580% | 6,768 |
| Net charge-offs to loans | 0.0048% | 5,637 |
| Credit loss provision to net charge-offs | 2,625.0000% | 256 |
| Earnings coverage of net charge-offs (x) | -120.0000% | 5,713 |
| Efficiency ratio | 117.4672% | 669 |
| Assets per employee ($millions) | 4.4048% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3247% | 3,938 |
| Loan loss allowance to noncurrent loans | 313.4561% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3816% | 6,361 |
| Noncurrent loans to loans | 0.4226% | 6,364 |
| Net loans and leases to total assets | 89.1073% | 190 |
| Net loans and leases to deposits | 103.0068% | 1,093 |
| Net loans and leases to core deposits | 136.4629% | 1,272 |
| Total domestic deposits to total assets | 86.5062% | 2,440 |
| Equity capital to assets | 9.2832% | 4,961 |
| Core capital (leverage) ratio | 9.3580% | 4,159 |
| Tier 1 risk-based capital ratio | 10.2673% | 6,621 |
| Total risk-based capital ratio | 11.5184% | 6,545 |
| Memoranda: | ||
| Average total assets | $369,117,500 | 1,889 |
| Average earning assets | $349,888,500 | 1,830 |
| Average equity | $34,625,500 | 1,966 |
| Average total loans | $333,060,500 | 1,508 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1604% | 4,722 |
| Cost of funding earning assets | 2.7714% | 2,825 |
| Net interest margin | 3.3890% | 5,701 |
| Noninterest income to average assets | 0.2373% | 6,746 |
| Noninterest expense to average assets | 3.4996% | 2,400 |
| Loan and lease loss provision to assets | 0.6398% | 2,273 |
| Net operating income to assets | -0.7096% | 7,070 |
| Return on assets (ROA) | -0.7096% | 6,975 |
| Pretax return on assets | -0.7096% | 6,819 |
| Return on Equity (ROE) | -6.2024% | 6,973 |
| Retained earnings to average equity (ytd only) | -6.2024% | 6,686 |
| Net charge-offs to loans | 0.1580% | 4,621 |
| Credit loss provision to net charge-offs | 456.3348% | 959 |
| Earnings coverage of net charge-offs (x) | -0.4977% | 6,483 |
| Efficiency ratio | 102.0346% | 914 |
| Assets per employee ($millions) | 4.4907% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 3,761 |
| Loan loss allowance to noncurrent loans | 273.0429% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4302% | 5,925 |
| Noncurrent loans to loans | 0.4771% | 5,918 |
| Net loans and leases to total assets | 88.9848% | 285 |
| Net loans and leases to deposits | 103.3829% | 1,415 |
| Net loans and leases to core deposits | 135.3931% | 1,517 |
| Total domestic deposits to total assets | 86.0730% | 2,370 |
| Equity capital to assets | 9.4785% | 4,719 |
| Core capital (leverage) ratio | 10.0420% | 3,405 |
| Tier 1 risk-based capital ratio | 10.4495% | 6,263 |
| Total risk-based capital ratio | 11.7002% | 6,140 |
| Memoranda: | ||
| Average total assets | $315,266,800 | 2,121 |
| Average earning assets | $296,994,600 | 2,062 |
| Average equity | $36,066,800 | 1,872 |
| Average total loans | $279,689,800 | 1,722 |