Home > Peoples Southern Bank > Performance and Condition Ratios
Peoples Southern Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1057% | 5,243 |
| Cost of funding earning assets | 0.2604% | 4,726 |
| Net interest margin | 2.8452% | 5,042 |
| Noninterest income to average assets | 0.8266% | 1,389 |
| Noninterest expense to average assets | 2.2270% | 4,262 |
| Loan and lease loss provision to assets | 0.0093% | 3,802 |
| Net operating income to assets | 1.2424% | 2,070 |
| Return on assets (ROA) | 1.2424% | 2,079 |
| Pretax return on assets | 1.2972% | 2,639 |
| Return on Equity (ROE) | 10.5383% | 2,380 |
| Retained earnings to average equity (ytd only) | 3.9677% | 3,790 |
| Net charge-offs to loans | 0.1161% | 1,347 |
| Credit loss provision to net charge-offs | 25.4902% | 2,990 |
| Earnings coverage of net charge-offs (x) | 35.9796% | 1,437 |
| Efficiency ratio | 63.0264% | 3,330 |
| Assets per employee ($millions) | 4.3331% | 3,380 |
| Cash dividends to net income (ytd only)* | 62.3495% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7911% | 736 |
| Loan loss allowance to noncurrent loans | 909.9099% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 4,678 |
| Noncurrent loans to loans | 0.1968% | 4,003 |
| Net loans and leases to total assets | 29.7230% | 5,283 |
| Net loans and leases to deposits | 33.7743% | 5,304 |
| Net loans and leases to core deposits | 36.3152% | 5,292 |
| Total domestic deposits to total assets | 88.0048% | 1,236 |
| Equity capital to assets | 11.4687% | 2,285 |
| Core capital (leverage) ratio | 12.2144% | 1,661 |
| Tier 1 risk-based capital ratio | 28.0307% | 570 |
| Total risk-based capital ratio | 29.2553% | 560 |
| Memoranda: | ||
| Average total assets | $187,274,250 | 3,012 |
| Average earning assets | $178,165,250 | 2,967 |
| Average equity | $22,077,750 | 2,910 |
| Average total loans | $58,568,750 | 4,171 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0435% | 5,318 |
| Cost of funding earning assets | 0.2219% | 4,908 |
| Net interest margin | 2.8216% | 5,097 |
| Noninterest income to average assets | 0.8167% | 1,424 |
| Noninterest expense to average assets | 2.2368% | 4,288 |
| Loan and lease loss provision to assets | 0.0096% | 3,658 |
| Net operating income to assets | 1.2133% | 2,139 |
| Return on assets (ROA) | 1.2133% | 2,136 |
| Pretax return on assets | 1.2549% | 2,703 |
| Return on Equity (ROE) | 10.1999% | 2,477 |
| Retained earnings to average equity (ytd only) | 5.0193% | 3,067 |
| Net charge-offs to loans | 0.0236% | 2,396 |
| Credit loss provision to net charge-offs | 128.5714% | 1,730 |
| Earnings coverage of net charge-offs (x) | 169.4286% | 475 |
| Efficiency ratio | 63.8855% | 3,325 |
| Assets per employee ($millions) | 4.4208% | 3,249 |
| Cash dividends to net income (ytd only)* | 50.7909% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7725% | 792 |
| Loan loss allowance to noncurrent loans | 860.6557% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 4,695 |
| Noncurrent loans to loans | 0.2059% | 3,986 |
| Net loans and leases to total assets | 30.6106% | 5,307 |
| Net loans and leases to deposits | 34.7511% | 5,343 |
| Net loans and leases to core deposits | 37.2345% | 5,332 |
| Total domestic deposits to total assets | 88.0854% | 1,330 |
| Equity capital to assets | 11.4359% | 2,241 |
| Core capital (leverage) ratio | 12.1657% | 1,608 |
| Tier 1 risk-based capital ratio | 26.8306% | 620 |
| Total risk-based capital ratio | 28.0543% | 613 |
| Memoranda: | ||
| Average total assets | $187,591,000 | 3,023 |
| Average earning assets | $178,477,670 | 2,976 |
| Average equity | $22,314,000 | 2,902 |
| Average total loans | $59,294,670 | 4,184 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9974% | 5,376 |
| Cost of funding earning assets | 0.1965% | 5,038 |
| Net interest margin | 2.8009% | 5,156 |
| Noninterest income to average assets | 0.8350% | 1,349 |
| Noninterest expense to average assets | 2.2582% | 4,271 |
| Loan and lease loss provision to assets | 0.0107% | 3,384 |
| Net operating income to assets | 1.1849% | 2,077 |
| Return on assets (ROA) | 1.1849% | 2,085 |
| Pretax return on assets | 1.2279% | 2,650 |
| Return on Equity (ROE) | 9.7693% | 2,553 |
| Retained earnings to average equity (ytd only) | 7.9110% | 1,876 |
| Net charge-offs to loans | 0.0337% | 1,835 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 115.4000% | 542 |
| Efficiency ratio | 64.5795% | 3,391 |
| Assets per employee ($millions) | 4.4540% | 3,237 |
| Cash dividends to net income (ytd only)* | 19.0217% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7597% | 849 |
| Loan loss allowance to noncurrent loans | 759.4203% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 4,730 |
| Noncurrent loans to loans | 0.2317% | 3,941 |
| Net loans and leases to total assets | 30.5490% | 5,355 |
| Net loans and leases to deposits | 34.6445% | 5,383 |
| Net loans and leases to core deposits | 36.9481% | 5,377 |
| Total domestic deposits to total assets | 88.1784% | 1,521 |
| Equity capital to assets | 11.7360% | 1,962 |
| Core capital (leverage) ratio | 12.7378% | 1,276 |
| Tier 1 risk-based capital ratio | 27.6092% | 583 |
| Total risk-based capital ratio | 28.8336% | 575 |
| Memoranda: | ||
| Average total assets | $186,339,500 | 3,070 |
| Average earning assets | $177,088,000 | 3,021 |
| Average equity | $22,601,500 | 2,903 |
| Average total loans | $59,322,500 | 4,213 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9451% | 5,391 |
| Cost of funding earning assets | 0.1989% | 4,955 |
| Net interest margin | 2.7462% | 5,227 |
| Noninterest income to average assets | 0.8659% | 1,365 |
| Noninterest expense to average assets | 2.3492% | 4,210 |
| Loan and lease loss provision to assets | 0.0096% | 4,084 |
| Net operating income to assets | 1.0502% | 2,049 |
| Return on assets (ROA) | 1.0572% | 2,050 |
| Pretax return on assets | 1.1012% | 3,177 |
| Return on Equity (ROE) | 8.1718% | 2,720 |
| Retained earnings to average equity (ytd only) | 2.9537% | 3,535 |
| Net charge-offs to loans | 0.0413% | 2,958 |
| Credit loss provision to net charge-offs | 73.9130% | 3,030 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 734 |
| Efficiency ratio | 68.0399% | 2,889 |
| Assets per employee ($millions) | 4.2130% | 3,634 |
| Cash dividends to net income (ytd only)* | 63.8548% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7736% | 820 |
| Loan loss allowance to noncurrent loans | 732.8671% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 4,724 |
| Noncurrent loans to loans | 0.2420% | 3,935 |
| Net loans and leases to total assets | 32.0391% | 5,393 |
| Net loans and leases to deposits | 36.6877% | 5,415 |
| Net loans and leases to core deposits | 39.1917% | 5,398 |
| Total domestic deposits to total assets | 87.3292% | 1,848 |
| Equity capital to assets | 12.5449% | 1,490 |
| Core capital (leverage) ratio | 12.9841% | 1,146 |
| Tier 1 risk-based capital ratio | 28.1264% | 535 |
| Total risk-based capital ratio | 29.3759% | 528 |
| Memoranda: | ||
| Average total assets | $177,166,600 | 3,155 |
| Average earning assets | $166,885,200 | 3,117 |
| Average equity | $22,920,200 | 2,869 |
| Average total loans | $55,721,000 | 4,302 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9198% | 5,468 |
| Cost of funding earning assets | 0.2003% | 4,973 |
| Net interest margin | 2.7196% | 5,304 |
| Noninterest income to average assets | 0.8507% | 1,424 |
| Noninterest expense to average assets | 2.3590% | 4,122 |
| Loan and lease loss provision to assets | 0.0098% | 3,938 |
| Net operating income to assets | 1.0000% | 2,556 |
| Return on assets (ROA) | 1.0058% | 2,567 |
| Pretax return on assets | 1.0467% | 3,503 |
| Return on Equity (ROE) | 7.7147% | 3,285 |
| Retained earnings to average equity (ytd only) | 3.1114% | 4,062 |
| Net charge-offs to loans | -0.0826% | 5,323 |
| Credit loss provision to net charge-offs | -38.2353% | 4,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1898% | 2,674 |
| Assets per employee ($millions) | 4.1385% | 3,760 |
| Cash dividends to net income (ytd only)* | 59.6690% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9843% | 586 |
| Loan loss allowance to noncurrent loans | 880.8000% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 4,884 |
| Noncurrent loans to loans | 0.2253% | 4,167 |
| Net loans and leases to total assets | 30.5609% | 5,487 |
| Net loans and leases to deposits | 35.2403% | 5,508 |
| Net loans and leases to core deposits | 37.7009% | 5,495 |
| Total domestic deposits to total assets | 86.7214% | 1,986 |
| Equity capital to assets | 13.1415% | 1,316 |
| Core capital (leverage) ratio | 13.0322% | 1,194 |
| Tier 1 risk-based capital ratio | 29.0978% | 513 |
| Total risk-based capital ratio | 30.3491% | 506 |
| Memoranda: | ||
| Average total assets | $176,169,000 | 3,196 |
| Average earning assets | $165,758,000 | 3,155 |
| Average equity | $22,968,750 | 2,882 |
| Average total loans | $54,879,000 | 4,366 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8936% | 5,513 |
| Cost of funding earning assets | 0.2013% | 4,967 |
| Net interest margin | 2.6923% | 5,369 |
| Noninterest income to average assets | 0.8418% | 1,435 |
| Noninterest expense to average assets | 2.3603% | 4,183 |
| Loan and lease loss provision to assets | 0.0103% | 3,733 |
| Net operating income to assets | 0.9594% | 2,612 |
| Return on assets (ROA) | 0.9660% | 2,636 |
| Pretax return on assets | 1.0070% | 3,544 |
| Return on Equity (ROE) | 7.4289% | 3,320 |
| Retained earnings to average equity (ytd only) | 2.6895% | 4,092 |
| Net charge-offs to loans | -0.0914% | 5,386 |
| Credit loss provision to net charge-offs | -36.0000% | 4,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0237% | 2,669 |
| Assets per employee ($millions) | 3.9465% | 4,051 |
| Cash dividends to net income (ytd only)* | 63.7972% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9647% | 640 |
| Loan loss allowance to noncurrent loans | 1,360.0000% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 5,054 |
| Noncurrent loans to loans | 0.1445% | 4,541 |
| Net loans and leases to total assets | 30.5693% | 5,529 |
| Net loans and leases to deposits | 35.2295% | 5,549 |
| Net loans and leases to core deposits | 37.6218% | 5,546 |
| Total domestic deposits to total assets | 86.7720% | 2,054 |
| Equity capital to assets | 13.1109% | 1,322 |
| Core capital (leverage) ratio | 12.9107% | 1,209 |
| Tier 1 risk-based capital ratio | 28.6842% | 516 |
| Total risk-based capital ratio | 29.9364% | 508 |
| Memoranda: | ||
| Average total assets | $175,573,330 | 3,217 |
| Average earning assets | $164,917,670 | 3,178 |
| Average equity | $22,829,670 | 2,899 |
| Average total loans | $54,676,670 | 4,395 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8676% | 5,561 |
| Cost of funding earning assets | 0.1957% | 5,015 |
| Net interest margin | 2.6719% | 5,418 |
| Noninterest income to average assets | 0.8341% | 1,447 |
| Noninterest expense to average assets | 2.3418% | 4,284 |
| Loan and lease loss provision to assets | 0.0115% | 3,417 |
| Net operating income to assets | 0.9422% | 2,553 |
| Return on assets (ROA) | 0.9532% | 2,568 |
| Pretax return on assets | 0.9945% | 3,392 |
| Return on Equity (ROE) | 7.3620% | 3,228 |
| Retained earnings to average equity (ytd only) | 4.8844% | 2,959 |
| Net charge-offs to loans | -0.0884% | 5,409 |
| Credit loss provision to net charge-offs | -41.6667% | 3,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1923% | 2,855 |
| Assets per employee ($millions) | 3.9400% | 4,109 |
| Cash dividends to net income (ytd only)* | 33.6538% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9520% | 731 |
| Loan loss allowance to noncurrent loans | 885.1240% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 4,838 |
| Noncurrent loans to loans | 0.2205% | 4,314 |
| Net loans and leases to total assets | 30.3416% | 5,578 |
| Net loans and leases to deposits | 34.8644% | 5,604 |
| Net loans and leases to core deposits | 37.2939% | 5,590 |
| Total domestic deposits to total assets | 87.0275% | 2,202 |
| Equity capital to assets | 12.8840% | 1,312 |
| Core capital (leverage) ratio | 13.2495% | 1,057 |
| Tier 1 risk-based capital ratio | 28.9210% | 515 |
| Total risk-based capital ratio | 30.1726% | 507 |
| Memoranda: | ||
| Average total assets | $174,563,500 | 3,261 |
| Average earning assets | $163,481,500 | 3,224 |
| Average equity | $22,602,500 | 2,934 |
| Average total loans | $54,326,500 | 4,442 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9060% | 5,575 |
| Cost of funding earning assets | 0.2052% | 4,966 |
| Net interest margin | 2.7009% | 5,417 |
| Noninterest income to average assets | 0.9177% | 1,355 |
| Noninterest expense to average assets | 2.4118% | 4,279 |
| Loan and lease loss provision to assets | -0.0451% | 5,574 |
| Net operating income to assets | 1.0315% | 2,223 |
| Return on assets (ROA) | 1.0489% | 2,247 |
| Pretax return on assets | 1.0905% | 3,141 |
| Return on Equity (ROE) | 7.7809% | 3,063 |
| Retained earnings to average equity (ytd only) | 0.6647% | 5,060 |
| Net charge-offs to loans | 0.0495% | 3,055 |
| Credit loss provision to net charge-offs | -285.1852% | 5,062 |
| Earnings coverage of net charge-offs (x) | 64.9630% | 839 |
| Efficiency ratio | 70.1294% | 2,877 |
| Assets per employee ($millions) | 3.9960% | 3,974 |
| Cash dividends to net income (ytd only)* | 91.4573% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9596% | 715 |
| Loan loss allowance to noncurrent loans | 1,269.8795% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 4,982 |
| Noncurrent loans to loans | 0.1543% | 4,623 |
| Net loans and leases to total assets | 30.6892% | 5,630 |
| Net loans and leases to deposits | 35.3199% | 5,658 |
| Net loans and leases to core deposits | 37.8614% | 5,641 |
| Total domestic deposits to total assets | 86.8893% | 2,205 |
| Equity capital to assets | 13.0141% | 1,252 |
| Core capital (leverage) ratio | 13.1111% | 1,098 |
| Tier 1 risk-based capital ratio | 28.9246% | 519 |
| Total risk-based capital ratio | 30.1763% | 510 |
| Memoranda: | ||
| Average total assets | $170,746,400 | 3,280 |
| Average earning assets | $159,392,600 | 3,247 |
| Average equity | $23,017,800 | 2,889 |
| Average total loans | $54,556,000 | 4,441 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9027% | 5,645 |
| Cost of funding earning assets | 0.2066% | 5,000 |
| Net interest margin | 2.6960% | 5,496 |
| Noninterest income to average assets | 0.9080% | 1,382 |
| Noninterest expense to average assets | 2.4269% | 4,204 |
| Loan and lease loss provision to assets | -0.0634% | 5,741 |
| Net operating income to assets | 1.0292% | 2,297 |
| Return on assets (ROA) | 1.0527% | 2,313 |
| Pretax return on assets | 1.0895% | 3,274 |
| Return on Equity (ROE) | 7.7415% | 3,154 |
| Retained earnings to average equity (ytd only) | -0.2243% | 5,400 |
| Net charge-offs to loans | -0.0852% | 5,517 |
| Credit loss provision to net charge-offs | 231.4286% | 1,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7801% | 2,779 |
| Assets per employee ($millions) | 3.8253% | 4,263 |
| Cash dividends to net income (ytd only)* | 102.8975% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9826% | 749 |
| Loan loss allowance to noncurrent loans | 2,314.5833% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 5,164 |
| Noncurrent loans to loans | 0.0857% | 5,004 |
| Net loans and leases to total assets | 31.9087% | 5,682 |
| Net loans and leases to deposits | 36.9849% | 5,705 |
| Net loans and leases to core deposits | 39.6576% | 5,689 |
| Total domestic deposits to total assets | 86.2750% | 2,231 |
| Equity capital to assets | 13.5688% | 1,215 |
| Core capital (leverage) ratio | 12.9785% | 1,197 |
| Tier 1 risk-based capital ratio | 27.7996% | 592 |
| Total risk-based capital ratio | 29.0515% | 579 |
| Memoranda: | ||
| Average total assets | $170,475,750 | 3,293 |
| Average earning assets | $159,390,500 | 3,265 |
| Average equity | $23,181,750 | 2,896 |
| Average total loans | $54,748,250 | 4,475 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8919% | 5,740 |
| Cost of funding earning assets | 0.2016% | 5,117 |
| Net interest margin | 2.6903% | 5,581 |
| Noninterest income to average assets | 0.9122% | 1,338 |
| Noninterest expense to average assets | 2.4282% | 4,238 |
| Loan and lease loss provision to assets | -0.0836% | 5,862 |
| Net operating income to assets | 1.0438% | 2,212 |
| Return on assets (ROA) | 1.0758% | 2,184 |
| Pretax return on assets | 1.1135% | 3,146 |
| Return on Equity (ROE) | 7.9054% | 3,028 |
| Retained earnings to average equity (ytd only) | -1.8855% | 5,526 |
| Net charge-offs to loans | -0.3829% | 5,917 |
| Credit loss provision to net charge-offs | 68.2692% | 2,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8935% | 2,846 |
| Assets per employee ($millions) | 3.8337% | 4,204 |
| Cash dividends to net income (ytd only)* | 123.8512% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1499% | 579 |
| Loan loss allowance to noncurrent loans | 2,977.5000% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 5,302 |
| Noncurrent loans to loans | 0.0722% | 5,160 |
| Net loans and leases to total assets | 31.4218% | 5,754 |
| Net loans and leases to deposits | 36.4118% | 5,781 |
| Net loans and leases to core deposits | 39.0199% | 5,770 |
| Total domestic deposits to total assets | 86.2958% | 2,273 |
| Equity capital to assets | 13.5772% | 1,192 |
| Core capital (leverage) ratio | 12.9448% | 1,173 |
| Tier 1 risk-based capital ratio | 27.4682% | 619 |
| Total risk-based capital ratio | 28.7214% | 608 |
| Memoranda: | ||
| Average total assets | $169,921,670 | 3,306 |
| Average earning assets | $158,717,670 | 3,287 |
| Average equity | $23,123,330 | 2,913 |
| Average total loans | $54,318,330 | 4,524 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8975% | 5,788 |
| Cost of funding earning assets | 0.2037% | 5,170 |
| Net interest margin | 2.6938% | 5,627 |
| Noninterest income to average assets | 0.8990% | 1,316 |
| Noninterest expense to average assets | 2.4386% | 4,262 |
| Loan and lease loss provision to assets | -0.0735% | 5,966 |
| Net operating income to assets | 1.0078% | 2,241 |
| Return on assets (ROA) | 1.0722% | 2,122 |
| Pretax return on assets | 1.1102% | 3,054 |
| Return on Equity (ROE) | 7.8699% | 2,994 |
| Retained earnings to average equity (ytd only) | -0.6616% | 5,231 |
| Net charge-offs to loans | -0.7364% | 6,025 |
| Credit loss provision to net charge-offs | 31.3131% | 2,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5379% | 2,864 |
| Assets per employee ($millions) | 3.8175% | 4,268 |
| Cash dividends to net income (ytd only)* | 108.4071% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2586% | 546 |
| Loan loss allowance to noncurrent loans | 2,113.7931% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 5,283 |
| Noncurrent loans to loans | 0.1069% | 5,049 |
| Net loans and leases to total assets | 30.8840% | 5,809 |
| Net loans and leases to deposits | 35.7656% | 5,834 |
| Net loans and leases to core deposits | 38.3456% | 5,812 |
| Total domestic deposits to total assets | 86.3512% | 2,518 |
| Equity capital to assets | 13.5073% | 1,177 |
| Core capital (leverage) ratio | 13.2907% | 1,056 |
| Tier 1 risk-based capital ratio | 27.8374% | 617 |
| Total risk-based capital ratio | 29.0910% | 605 |
| Memoranda: | ||
| Average total assets | $168,624,000 | 3,348 |
| Average earning assets | $157,101,000 | 3,329 |
| Average equity | $22,973,500 | 2,929 |
| Average total loans | $53,778,000 | 4,559 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9582% | 5,760 |
| Cost of funding earning assets | 0.1945% | 5,328 |
| Net interest margin | 2.7637% | 5,579 |
| Noninterest income to average assets | 0.9252% | 1,365 |
| Noninterest expense to average assets | 2.4548% | 4,375 |
| Loan and lease loss provision to assets | 0.0109% | 4,186 |
| Net operating income to assets | 0.9897% | 2,420 |
| Return on assets (ROA) | 1.0008% | 2,456 |
| Pretax return on assets | 1.0388% | 3,312 |
| Return on Equity (ROE) | 7.2596% | 3,381 |
| Retained earnings to average equity (ytd only) | 1.6264% | 4,797 |
| Net charge-offs to loans | 0.1008% | 2,407 |
| Credit loss provision to net charge-offs | 33.9623% | 3,602 |
| Earnings coverage of net charge-offs (x) | 32.4151% | 1,375 |
| Efficiency ratio | 70.2768% | 3,180 |
| Assets per employee ($millions) | 3.5204% | 4,802 |
| Cash dividends to net income (ytd only)* | 77.5966% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1736% | 617 |
| Loan loss allowance to noncurrent loans | 756.8627% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 5,248 |
| Noncurrent loans to loans | 0.2872% | 4,436 |
| Net loans and leases to total assets | 31.4982% | 5,848 |
| Net loans and leases to deposits | 36.5597% | 5,874 |
| Net loans and leases to core deposits | 39.3001% | 5,842 |
| Total domestic deposits to total assets | 86.1556% | 2,567 |
| Equity capital to assets | 13.7453% | 1,021 |
| Core capital (leverage) ratio | 13.5228% | 960 |
| Tier 1 risk-based capital ratio | 28.7583% | 564 |
| Total risk-based capital ratio | 30.0113% | 553 |
| Memoranda: | ||
| Average total assets | $165,474,000 | 3,370 |
| Average earning assets | $153,742,000 | 3,347 |
| Average equity | $22,811,200 | 2,895 |
| Average total loans | $52,575,400 | 4,593 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9427% | 5,862 |
| Cost of funding earning assets | 0.1965% | 5,407 |
| Net interest margin | 2.7462% | 5,668 |
| Noninterest income to average assets | 0.8952% | 1,466 |
| Noninterest expense to average assets | 2.4301% | 4,415 |
| Loan and lease loss provision to assets | 0.0113% | 4,049 |
| Net operating income to assets | 0.9766% | 2,590 |
| Return on assets (ROA) | 0.9790% | 2,655 |
| Pretax return on assets | 1.0120% | 3,570 |
| Return on Equity (ROE) | 7.0963% | 3,568 |
| Retained earnings to average equity (ytd only) | 2.0325% | 4,861 |
| Net charge-offs to loans | 0.0025% | 4,096 |
| Credit loss provision to net charge-offs | 1,400.0000% | 260 |
| Earnings coverage of net charge-offs (x) | 1,270.1429% | 57 |
| Efficiency ratio | 70.4179% | 3,146 |
| Assets per employee ($millions) | 3.5410% | 4,720 |
| Cash dividends to net income (ytd only)* | 71.3579% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3011% | 573 |
| Loan loss allowance to noncurrent loans | 582.1256% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 5,254 |
| Noncurrent loans to loans | 0.3953% | 4,199 |
| Net loans and leases to total assets | 30.7416% | 5,947 |
| Net loans and leases to deposits | 35.7834% | 5,985 |
| Net loans and leases to core deposits | 38.7509% | 5,951 |
| Total domestic deposits to total assets | 85.9103% | 2,575 |
| Equity capital to assets | 13.9425% | 1,049 |
| Core capital (leverage) ratio | 13.3691% | 1,066 |
| Tier 1 risk-based capital ratio | 28.8041% | 580 |
| Total risk-based capital ratio | 30.0578% | 574 |
| Memoranda: | ||
| Average total assets | $165,477,500 | 3,398 |
| Average earning assets | $154,005,500 | 3,372 |
| Average equity | $22,828,250 | 2,917 |
| Average total loans | $52,400,500 | 4,650 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9276% | 5,916 |
| Cost of funding earning assets | 0.1980% | 5,453 |
| Net interest margin | 2.7296% | 5,734 |
| Noninterest income to average assets | 0.8949% | 1,458 |
| Noninterest expense to average assets | 2.3989% | 4,551 |
| Loan and lease loss provision to assets | 0.0109% | 3,889 |
| Net operating income to assets | 0.9883% | 2,447 |
| Return on assets (ROA) | 0.9930% | 2,538 |
| Pretax return on assets | 1.0269% | 3,470 |
| Return on Equity (ROE) | 7.2237% | 3,471 |
| Retained earnings to average equity (ytd only) | 1.6121% | 4,893 |
| Net charge-offs to loans | -0.1412% | 5,916 |
| Credit loss provision to net charge-offs | -24.3243% | 4,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9012% | 3,344 |
| Assets per employee ($millions) | 3.5079% | 4,771 |
| Cash dividends to net income (ytd only)* | 77.6829% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3435% | 601 |
| Loan loss allowance to noncurrent loans | 581.6901% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 5,339 |
| Noncurrent loans to loans | 0.4029% | 4,272 |
| Net loans and leases to total assets | 31.3152% | 6,000 |
| Net loans and leases to deposits | 36.3441% | 6,024 |
| Net loans and leases to core deposits | 39.3662% | 5,978 |
| Total domestic deposits to total assets | 86.1632% | 2,600 |
| Equity capital to assets | 13.7361% | 1,081 |
| Core capital (leverage) ratio | 13.3642% | 1,024 |
| Tier 1 risk-based capital ratio | 28.5782% | 609 |
| Total risk-based capital ratio | 29.8327% | 602 |
| Memoranda: | ||
| Average total assets | $165,161,330 | 3,420 |
| Average earning assets | $153,503,000 | 3,392 |
| Average equity | $22,703,000 | 2,938 |
| Average total loans | $52,411,670 | 4,692 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8958% | 5,993 |
| Cost of funding earning assets | 0.1984% | 5,529 |
| Net interest margin | 2.6973% | 5,808 |
| Noninterest income to average assets | 0.8300% | 1,601 |
| Noninterest expense to average assets | 2.3907% | 4,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9054% | 2,719 |
| Return on assets (ROA) | 0.9147% | 2,802 |
| Pretax return on assets | 0.9485% | 3,700 |
| Return on Equity (ROE) | 6.6517% | 3,677 |
| Retained earnings to average equity (ytd only) | 4.4345% | 3,364 |
| Net charge-offs to loans | -0.0920% | 5,820 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8023% | 3,203 |
| Assets per employee ($millions) | 3.6431% | 4,624 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3064% | 698 |
| Loan loss allowance to noncurrent loans | 483.9357% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 5,359 |
| Noncurrent loans to loans | 0.4766% | 4,152 |
| Net loans and leases to total assets | 30.4571% | 6,056 |
| Net loans and leases to deposits | 35.4087% | 6,079 |
| Net loans and leases to core deposits | 38.5882% | 6,023 |
| Total domestic deposits to total assets | 86.0159% | 2,929 |
| Equity capital to assets | 13.8439% | 1,036 |
| Core capital (leverage) ratio | 13.6167% | 936 |
| Tier 1 risk-based capital ratio | 29.4919% | 569 |
| Total risk-based capital ratio | 30.7453% | 556 |
| Memoranda: | ||
| Average total assets | $165,306,000 | 3,439 |
| Average earning assets | $153,190,000 | 3,416 |
| Average equity | $22,731,000 | 2,955 |
| Average total loans | $52,183,000 | 4,730 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0147% | 6,051 |
| Cost of funding earning assets | 0.2120% | 5,649 |
| Net interest margin | 2.8027% | 5,803 |
| Noninterest income to average assets | 0.9635% | 1,309 |
| Noninterest expense to average assets | 2.5148% | 4,495 |
| Loan and lease loss provision to assets | -0.0096% | 5,915 |
| Net operating income to assets | 1.0145% | 2,318 |
| Return on assets (ROA) | 1.0176% | 2,382 |
| Pretax return on assets | 1.0539% | 3,283 |
| Return on Equity (ROE) | 7.3240% | 3,458 |
| Retained earnings to average equity (ytd only) | 1.3887% | 5,147 |
| Net charge-offs to loans | 0.0945% | 3,151 |
| Credit loss provision to net charge-offs | -31.9149% | 5,379 |
| Earnings coverage of net charge-offs (x) | 34.7872% | 1,205 |
| Efficiency ratio | 70.7199% | 3,430 |
| Assets per employee ($millions) | 3.6229% | 4,681 |
| Cash dividends to net income (ytd only)* | 81.0388% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2889% | 733 |
| Loan loss allowance to noncurrent loans | 644.8649% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 5,577 |
| Noncurrent loans to loans | 0.3550% | 4,591 |
| Net loans and leases to total assets | 31.2380% | 6,141 |
| Net loans and leases to deposits | 36.2276% | 6,162 |
| Net loans and leases to core deposits | 39.5605% | 6,106 |
| Total domestic deposits to total assets | 86.2270% | 2,708 |
| Equity capital to assets | 13.6552% | 1,096 |
| Core capital (leverage) ratio | 13.6961% | 901 |
| Tier 1 risk-based capital ratio | 29.8073% | 518 |
| Total risk-based capital ratio | 31.0615% | 512 |
| Memoranda: | ||
| Average total assets | $157,031,200 | 3,534 |
| Average earning assets | $145,254,600 | 3,518 |
| Average equity | $21,818,600 | 2,969 |
| Average total loans | $49,711,600 | 4,826 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0286% | 6,108 |
| Cost of funding earning assets | 0.2129% | 5,730 |
| Net interest margin | 2.8157% | 5,853 |
| Noninterest income to average assets | 1.0038% | 1,217 |
| Noninterest expense to average assets | 2.5075% | 4,507 |
| Loan and lease loss provision to assets | -0.0129% | 6,098 |
| Net operating income to assets | 1.0863% | 2,088 |
| Return on assets (ROA) | 1.0913% | 2,134 |
| Pretax return on assets | 1.1221% | 3,100 |
| Return on Equity (ROE) | 7.8188% | 3,304 |
| Retained earnings to average equity (ytd only) | 1.4250% | 5,329 |
| Net charge-offs to loans | 0.0652% | 3,268 |
| Credit loss provision to net charge-offs | -62.5000% | 5,380 |
| Earnings coverage of net charge-offs (x) | 53.6653% | 934 |
| Efficiency ratio | 69.4280% | 3,604 |
| Assets per employee ($millions) | 3.4921% | 4,877 |
| Cash dividends to net income (ytd only)* | 81.7757% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4775% | 665 |
| Loan loss allowance to noncurrent loans | 383.5962% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 5,429 |
| Noncurrent loans to loans | 0.6459% | 3,998 |
| Net loans and leases to total assets | 29.7974% | 6,256 |
| Net loans and leases to deposits | 34.5935% | 6,282 |
| Net loans and leases to core deposits | 37.8278% | 6,242 |
| Total domestic deposits to total assets | 86.1356% | 2,784 |
| Equity capital to assets | 13.7573% | 1,088 |
| Core capital (leverage) ratio | 14.0488% | 834 |
| Tier 1 risk-based capital ratio | 31.3634% | 464 |
| Total risk-based capital ratio | 32.6201% | 453 |
| Memoranda: | ||
| Average total assets | $155,531,750 | 3,584 |
| Average earning assets | $144,043,750 | 3,570 |
| Average equity | $21,707,750 | 2,985 |
| Average total loans | $49,109,500 | 4,899 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0551% | 6,128 |
| Cost of funding earning assets | 0.2136% | 5,800 |
| Net interest margin | 2.8415% | 5,833 |
| Noninterest income to average assets | 1.0453% | 1,087 |
| Noninterest expense to average assets | 2.5054% | 4,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1378% | 1,793 |
| Return on assets (ROA) | 1.1441% | 1,862 |
| Pretax return on assets | 1.1753% | 2,780 |
| Return on Equity (ROE) | 8.1567% | 3,014 |
| Retained earnings to average equity (ytd only) | 0.8527% | 5,403 |
| Net charge-offs to loans | 0.0081% | 4,119 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 449.5000% | 157 |
| Efficiency ratio | 68.1883% | 3,970 |
| Assets per employee ($millions) | 3.3795% | 5,100 |
| Cash dividends to net income (ytd only)* | 89.5455% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5756% | 640 |
| Loan loss allowance to noncurrent loans | 478.2443% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 5,475 |
| Noncurrent loans to loans | 0.5386% | 4,394 |
| Net loans and leases to total assets | 30.4882% | 6,291 |
| Net loans and leases to deposits | 35.5562% | 6,306 |
| Net loans and leases to core deposits | 38.5330% | 6,260 |
| Total domestic deposits to total assets | 85.7465% | 3,178 |
| Equity capital to assets | 14.1390% | 919 |
| Core capital (leverage) ratio | 14.1365% | 796 |
| Tier 1 risk-based capital ratio | 31.4553% | 463 |
| Total risk-based capital ratio | 32.7121% | 457 |
| Memoranda: | ||
| Average total assets | $153,830,670 | 3,622 |
| Average earning assets | $142,320,670 | 3,612 |
| Average equity | $21,577,330 | 2,991 |
| Average total loans | $49,119,000 | 4,921 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0572% | 6,175 |
| Cost of funding earning assets | 0.2157% | 5,880 |
| Net interest margin | 2.8414% | 5,861 |
| Noninterest income to average assets | 0.8731% | 1,477 |
| Noninterest expense to average assets | 2.5357% | 4,500 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9228% | 2,540 |
| Return on assets (ROA) | 0.9228% | 2,611 |
| Pretax return on assets | 0.9541% | 3,494 |
| Return on Equity (ROE) | 6.6055% | 3,680 |
| Retained earnings to average equity (ytd only) | 4.6407% | 3,331 |
| Net charge-offs to loans | -0.2837% | 6,472 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6592% | 3,370 |
| Assets per employee ($millions) | 3.2021% | 5,515 |
| Cash dividends to net income (ytd only)* | 29.7450% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6190% | 700 |
| Loan loss allowance to noncurrent loans | 376.0933% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 5,538 |
| Noncurrent loans to loans | 0.6964% | 4,125 |
| Net loans and leases to total assets | 31.2067% | 6,297 |
| Net loans and leases to deposits | 36.3674% | 6,302 |
| Net loans and leases to core deposits | 39.0977% | 6,270 |
| Total domestic deposits to total assets | 85.8095% | 3,457 |
| Equity capital to assets | 14.0754% | 893 |
| Core capital (leverage) ratio | 14.3706% | 723 |
| Tier 1 risk-based capital ratio | 31.1647% | 480 |
| Total risk-based capital ratio | 32.4210% | 475 |
| Memoranda: | ||
| Average total assets | $153,017,500 | 3,665 |
| Average earning assets | $140,914,500 | 3,653 |
| Average equity | $21,376,000 | 3,009 |
| Average total loans | $49,354,000 | 4,953 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1487% | 6,195 |
| Cost of funding earning assets | 0.2282% | 6,116 |
| Net interest margin | 2.9205% | 5,749 |
| Noninterest income to average assets | 0.9196% | 1,614 |
| Noninterest expense to average assets | 2.5836% | 4,521 |
| Loan and lease loss provision to assets | -0.0040% | 6,254 |
| Net operating income to assets | 0.9953% | 2,343 |
| Return on assets (ROA) | 0.9972% | 2,404 |
| Pretax return on assets | 1.0257% | 3,244 |
| Return on Equity (ROE) | 6.9659% | 3,574 |
| Retained earnings to average equity (ytd only) | 1.8214% | 4,940 |
| Net charge-offs to loans | -0.0019% | 5,848 |
| Credit loss provision to net charge-offs | 600.0000% | 389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6995% | 3,537 |
| Assets per employee ($millions) | 3.1736% | 5,544 |
| Cash dividends to net income (ytd only)* | 73.8523% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5378% | 792 |
| Loan loss allowance to noncurrent loans | 545.6522% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 5,865 |
| Noncurrent loans to loans | 0.4651% | 4,837 |
| Net loans and leases to total assets | 31.6397% | 6,409 |
| Net loans and leases to deposits | 36.7758% | 6,407 |
| Net loans and leases to core deposits | 39.6678% | 6,375 |
| Total domestic deposits to total assets | 86.0340% | 3,242 |
| Equity capital to assets | 13.8630% | 945 |
| Core capital (leverage) ratio | 14.3917% | 721 |
| Tier 1 risk-based capital ratio | 30.7851% | 475 |
| Total risk-based capital ratio | 32.0417% | 466 |
| Memoranda: | ||
| Average total assets | $150,720,800 | 3,694 |
| Average earning assets | $138,503,600 | 3,689 |
| Average equity | $21,576,400 | 2,973 |
| Average total loans | $51,728,800 | 4,900 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1502% | 6,255 |
| Cost of funding earning assets | 0.2311% | 6,217 |
| Net interest margin | 2.9191% | 5,767 |
| Noninterest income to average assets | 0.9234% | 1,678 |
| Noninterest expense to average assets | 2.5368% | 4,592 |
| Loan and lease loss provision to assets | 0.0346% | 4,326 |
| Net operating income to assets | 1.0014% | 2,370 |
| Return on assets (ROA) | 1.0014% | 2,455 |
| Pretax return on assets | 1.0413% | 3,331 |
| Return on Equity (ROE) | 6.9397% | 3,686 |
| Retained earnings to average equity (ytd only) | 2.2067% | 5,000 |
| Net charge-offs to loans | -0.0178% | 6,020 |
| Credit loss provision to net charge-offs | -557.1429% | 6,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2185% | 3,723 |
| Assets per employee ($millions) | 3.0872% | 5,703 |
| Cash dividends to net income (ytd only)* | 68.2017% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6691% | 774 |
| Loan loss allowance to noncurrent loans | 168.5161% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.5123% | 4,913 |
| Noncurrent loans to loans | 1.5839% | 2,792 |
| Net loans and leases to total assets | 31.4826% | 6,475 |
| Net loans and leases to deposits | 36.7199% | 6,480 |
| Net loans and leases to core deposits | 39.5340% | 6,461 |
| Total domestic deposits to total assets | 85.7371% | 3,381 |
| Equity capital to assets | 14.1597% | 917 |
| Core capital (leverage) ratio | 14.5691% | 718 |
| Tier 1 risk-based capital ratio | 29.4377% | 542 |
| Total risk-based capital ratio | 30.6942% | 535 |
| Memoranda: | ||
| Average total assets | $150,317,500 | 3,732 |
| Average earning assets | $138,485,000 | 3,723 |
| Average equity | $21,691,000 | 2,995 |
| Average total loans | $52,297,750 | 4,913 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1835% | 6,250 |
| Cost of funding earning assets | 0.2305% | 6,307 |
| Net interest margin | 2.9530% | 5,690 |
| Noninterest income to average assets | 0.9227% | 1,738 |
| Noninterest expense to average assets | 2.5547% | 4,546 |
| Loan and lease loss provision to assets | 0.0520% | 3,946 |
| Net operating income to assets | 0.9920% | 2,363 |
| Return on assets (ROA) | 0.9920% | 2,502 |
| Pretax return on assets | 1.0320% | 3,365 |
| Return on Equity (ROE) | 6.8315% | 3,705 |
| Retained earnings to average equity (ytd only) | 2.1670% | 4,896 |
| Net charge-offs to loans | -0.0824% | 6,447 |
| Credit loss provision to net charge-offs | -177.2727% | 5,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2089% | 3,790 |
| Assets per employee ($millions) | 3.0583% | 5,753 |
| Cash dividends to net income (ytd only)* | 68.2796% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5411% | 945 |
| Loan loss allowance to noncurrent loans | 140.3826% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 4,608 |
| Noncurrent loans to loans | 1.8101% | 2,629 |
| Net loans and leases to total assets | 33.8089% | 6,424 |
| Net loans and leases to deposits | 39.3680% | 6,435 |
| Net loans and leases to core deposits | 42.4846% | 6,388 |
| Total domestic deposits to total assets | 85.8792% | 3,430 |
| Equity capital to assets | 14.0547% | 957 |
| Core capital (leverage) ratio | 14.2945% | 751 |
| Tier 1 risk-based capital ratio | 29.9791% | 518 |
| Total risk-based capital ratio | 31.2368% | 515 |
| Memoranda: | ||
| Average total assets | $149,998,670 | 3,769 |
| Average earning assets | $137,959,670 | 3,755 |
| Average equity | $21,781,330 | 3,012 |
| Average total loans | $53,420,000 | 4,901 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1662% | 6,336 |
| Cost of funding earning assets | 0.2355% | 6,375 |
| Net interest margin | 2.9307% | 5,754 |
| Noninterest income to average assets | 0.8929% | 1,782 |
| Noninterest expense to average assets | 2.5002% | 4,753 |
| Loan and lease loss provision to assets | 0.0506% | 3,774 |
| Net operating income to assets | 0.9889% | 2,276 |
| Return on assets (ROA) | 0.9889% | 2,396 |
| Pretax return on assets | 1.0289% | 3,227 |
| Return on Equity (ROE) | 6.7025% | 3,657 |
| Retained earnings to average equity (ytd only) | 4.4442% | 3,568 |
| Net charge-offs to loans | -0.1699% | 6,642 |
| Credit loss provision to net charge-offs | -82.6087% | 5,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8436% | 4,002 |
| Assets per employee ($millions) | 3.0133% | 5,965 |
| Cash dividends to net income (ytd only)* | 33.6927% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4152% | 1,229 |
| Loan loss allowance to noncurrent loans | 108.0498% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.7998% | 4,373 |
| Noncurrent loans to loans | 2.2353% | 2,345 |
| Net loans and leases to total assets | 34.9159% | 6,365 |
| Net loans and leases to deposits | 41.0004% | 6,379 |
| Net loans and leases to core deposits | 43.9013% | 6,317 |
| Total domestic deposits to total assets | 85.1598% | 3,963 |
| Equity capital to assets | 14.7566% | 813 |
| Core capital (leverage) ratio | 14.6034% | 649 |
| Tier 1 risk-based capital ratio | 28.5864% | 604 |
| Total risk-based capital ratio | 29.8449% | 596 |
| Memoranda: | ||
| Average total assets | $150,069,500 | 3,806 |
| Average earning assets | $137,579,500 | 3,803 |
| Average equity | $22,141,000 | 3,009 |
| Average total loans | $54,137,000 | 4,915 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3045% | 6,578 |
| Cost of funding earning assets | 0.2890% | 6,509 |
| Net interest margin | 3.0155% | 6,019 |
| Noninterest income to average assets | 0.9825% | 1,584 |
| Noninterest expense to average assets | 2.6092% | 4,706 |
| Loan and lease loss provision to assets | 0.0465% | 5,254 |
| Net operating income to assets | 1.0519% | 2,115 |
| Return on assets (ROA) | 1.0519% | 2,309 |
| Pretax return on assets | 1.0903% | 3,194 |
| Return on Equity (ROE) | 6.8174% | 3,751 |
| Retained earnings to average equity (ytd only) | -3.6860% | 6,329 |
| Net charge-offs to loans | 0.1795% | 3,937 |
| Credit loss provision to net charge-offs | 71.8750% | 4,101 |
| Earnings coverage of net charge-offs (x) | 17.5729% | 1,498 |
| Efficiency ratio | 69.6528% | 3,877 |
| Assets per employee ($millions) | 2.9895% | 6,031 |
| Cash dividends to net income (ytd only)* | 154.0679% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3176% | 1,342 |
| Loan loss allowance to noncurrent loans | 108.6207% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.8296% | 4,397 |
| Noncurrent loans to loans | 2.1337% | 2,545 |
| Net loans and leases to total assets | 35.5286% | 6,463 |
| Net loans and leases to deposits | 41.7323% | 6,474 |
| Net loans and leases to core deposits | 45.0123% | 6,419 |
| Total domestic deposits to total assets | 85.1345% | 3,802 |
| Equity capital to assets | 14.7511% | 806 |
| Core capital (leverage) ratio | 14.5246% | 668 |
| Tier 1 risk-based capital ratio | 28.5900% | 586 |
| Total risk-based capital ratio | 29.8485% | 573 |
| Memoranda: | ||
| Average total assets | $148,399,000 | 3,804 |
| Average earning assets | $135,995,600 | 3,791 |
| Average equity | $22,897,400 | 2,861 |
| Average total loans | $53,493,800 | 4,964 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2980% | 6,729 |
| Cost of funding earning assets | 0.3012% | 6,612 |
| Net interest margin | 2.9969% | 6,177 |
| Noninterest income to average assets | 0.9658% | 1,617 |
| Noninterest expense to average assets | 2.5959% | 4,758 |
| Loan and lease loss provision to assets | 0.0504% | 5,128 |
| Net operating income to assets | 1.0271% | 2,375 |
| Return on assets (ROA) | 1.0288% | 2,587 |
| Pretax return on assets | 1.0711% | 3,461 |
| Return on Equity (ROE) | 6.5945% | 4,018 |
| Retained earnings to average equity (ytd only) | 2.1520% | 5,252 |
| Net charge-offs to loans | 0.1226% | 4,149 |
| Credit loss provision to net charge-offs | 114.2857% | 2,550 |
| Earnings coverage of net charge-offs (x) | 25.3885% | 1,249 |
| Efficiency ratio | 69.8643% | 3,714 |
| Assets per employee ($millions) | 2.9240% | 6,176 |
| Cash dividends to net income (ytd only)* | 67.3666% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3541% | 1,429 |
| Loan loss allowance to noncurrent loans | 109.0143% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.8666% | 4,560 |
| Noncurrent loans to loans | 2.1594% | 2,664 |
| Net loans and leases to total assets | 36.7134% | 6,504 |
| Net loans and leases to deposits | 43.7570% | 6,520 |
| Net loans and leases to core deposits | 47.2945% | 6,455 |
| Total domestic deposits to total assets | 83.9029% | 4,271 |
| Equity capital to assets | 15.9774% | 610 |
| Core capital (leverage) ratio | 15.5007% | 537 |
| Tier 1 risk-based capital ratio | 29.5190% | 552 |
| Total risk-based capital ratio | 30.7782% | 545 |
| Memoranda: | ||
| Average total assets | $148,130,250 | 3,849 |
| Average earning assets | $135,916,250 | 3,833 |
| Average equity | $23,109,500 | 2,864 |
| Average total loans | $53,275,750 | 5,020 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2739% | 6,830 |
| Cost of funding earning assets | 0.3110% | 6,687 |
| Net interest margin | 2.9629% | 6,313 |
| Noninterest income to average assets | 0.9719% | 1,541 |
| Noninterest expense to average assets | 2.5690% | 4,883 |
| Loan and lease loss provision to assets | 0.0497% | 5,051 |
| Net operating income to assets | 1.0258% | 2,356 |
| Return on assets (ROA) | 1.0271% | 2,572 |
| Pretax return on assets | 1.0701% | 3,418 |
| Return on Equity (ROE) | 6.6359% | 3,972 |
| Retained earnings to average equity (ytd only) | 2.2235% | 5,079 |
| Net charge-offs to loans | 0.0607% | 4,576 |
| Credit loss provision to net charge-offs | 231.2500% | 1,232 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 706 |
| Efficiency ratio | 69.6682% | 3,820 |
| Assets per employee ($millions) | 2.9549% | 6,145 |
| Cash dividends to net income (ytd only)* | 66.4921% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4275% | 1,375 |
| Loan loss allowance to noncurrent loans | 95.7540% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.9977% | 4,379 |
| Noncurrent loans to loans | 2.5352% | 2,376 |
| Net loans and leases to total assets | 35.5838% | 6,631 |
| Net loans and leases to deposits | 42.2400% | 6,633 |
| Net loans and leases to core deposits | 45.5825% | 6,590 |
| Total domestic deposits to total assets | 84.2420% | 4,217 |
| Equity capital to assets | 15.6673% | 650 |
| Core capital (leverage) ratio | 15.2047% | 562 |
| Tier 1 risk-based capital ratio | 29.5347% | 541 |
| Total risk-based capital ratio | 30.7933% | 529 |
| Memoranda: | ||
| Average total assets | $148,773,670 | 3,861 |
| Average earning assets | $136,351,670 | 3,837 |
| Average equity | $23,026,330 | 2,851 |
| Average total loans | $52,711,330 | 5,074 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2682% | 6,911 |
| Cost of funding earning assets | 0.3353% | 6,702 |
| Net interest margin | 2.9328% | 6,432 |
| Noninterest income to average assets | 0.9431% | 1,589 |
| Noninterest expense to average assets | 2.5749% | 4,902 |
| Loan and lease loss provision to assets | 0.0455% | 4,832 |
| Net operating income to assets | 0.9486% | 2,700 |
| Return on assets (ROA) | 0.9512% | 2,895 |
| Pretax return on assets | 0.9967% | 3,688 |
| Return on Equity (ROE) | 6.1832% | 4,194 |
| Retained earnings to average equity (ytd only) | 4.6156% | 3,804 |
| Net charge-offs to loans | 0.1381% | 3,271 |
| Credit loss provision to net charge-offs | 94.4444% | 2,470 |
| Earnings coverage of net charge-offs (x) | 21.5556% | 1,149 |
| Efficiency ratio | 71.2380% | 3,580 |
| Assets per employee ($millions) | 2.9290% | 6,293 |
| Cash dividends to net income (ytd only)* | 25.3521% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4707% | 1,397 |
| Loan loss allowance to noncurrent loans | 97.2033% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.8857% | 4,758 |
| Noncurrent loans to loans | 2.5418% | 2,561 |
| Net loans and leases to total assets | 33.9827% | 6,740 |
| Net loans and leases to deposits | 40.2466% | 6,724 |
| Net loans and leases to core deposits | 43.7085% | 6,666 |
| Total domestic deposits to total assets | 84.4362% | 4,308 |
| Equity capital to assets | 15.4245% | 673 |
| Core capital (leverage) ratio | 15.2840% | 560 |
| Tier 1 risk-based capital ratio | 30.6683% | 497 |
| Total risk-based capital ratio | 31.9280% | 486 |
| Memoranda: | ||
| Average total assets | $149,287,000 | 3,884 |
| Average earning assets | $135,979,000 | 3,885 |
| Average equity | $22,965,500 | 2,857 |
| Average total loans | $52,126,000 | 5,141 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5801% | 6,944 |
| Cost of funding earning assets | 0.4517% | 6,727 |
| Net interest margin | 3.1284% | 6,274 |
| Noninterest income to average assets | 0.9813% | 1,421 |
| Noninterest expense to average assets | 2.6055% | 5,077 |
| Loan and lease loss provision to assets | 0.0362% | 6,113 |
| Net operating income to assets | 1.1663% | 1,622 |
| Return on assets (ROA) | 1.1906% | 1,647 |
| Pretax return on assets | 1.2350% | 2,341 |
| Return on Equity (ROE) | 7.7739% | 3,024 |
| Retained earnings to average equity (ytd only) | 3.2596% | 3,905 |
| Net charge-offs to loans | 0.3295% | 3,744 |
| Credit loss provision to net charge-offs | 30.1136% | 5,783 |
| Earnings coverage of net charge-offs (x) | 10.3523% | 1,847 |
| Efficiency ratio | 67.6491% | 4,433 |
| Assets per employee ($millions) | 2.9839% | 6,119 |
| Cash dividends to net income (ytd only)* | 58.0701% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4654% | 1,362 |
| Loan loss allowance to noncurrent loans | 106.5397% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.8097% | 5,011 |
| Noncurrent loans to loans | 2.3140% | 2,844 |
| Net loans and leases to total assets | 34.1271% | 6,863 |
| Net loans and leases to deposits | 40.3749% | 6,864 |
| Net loans and leases to core deposits | 43.6725% | 6,825 |
| Total domestic deposits to total assets | 84.5256% | 4,076 |
| Equity capital to assets | 15.3423% | 708 |
| Core capital (leverage) ratio | 15.1341% | 581 |
| Tier 1 risk-based capital ratio | 30.4856% | 498 |
| Total risk-based capital ratio | 31.7460% | 488 |
| Memoranda: | ||
| Average total assets | $146,231,000 | 3,870 |
| Average earning assets | $134,157,400 | 3,851 |
| Average equity | $22,395,400 | 2,846 |
| Average total loans | $53,412,400 | 5,131 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6063% | 7,012 |
| Cost of funding earning assets | 0.4730% | 6,800 |
| Net interest margin | 3.1333% | 6,334 |
| Noninterest income to average assets | 0.9888% | 1,367 |
| Noninterest expense to average assets | 2.6530% | 4,896 |
| Loan and lease loss provision to assets | 0.0458% | 5,868 |
| Net operating income to assets | 1.1387% | 1,841 |
| Return on assets (ROA) | 1.1565% | 1,907 |
| Pretax return on assets | 1.1978% | 2,646 |
| Return on Equity (ROE) | 7.5550% | 3,247 |
| Retained earnings to average equity (ytd only) | 3.0711% | 4,499 |
| Net charge-offs to loans | 0.4319% | 2,990 |
| Credit loss provision to net charge-offs | 28.7356% | 5,430 |
| Earnings coverage of net charge-offs (x) | 7.6840% | 2,313 |
| Efficiency ratio | 68.4074% | 4,234 |
| Assets per employee ($millions) | 2.8418% | 6,419 |
| Cash dividends to net income (ytd only)* | 59.3503% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4234% | 1,498 |
| Loan loss allowance to noncurrent loans | 109.8207% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.8266% | 5,114 |
| Noncurrent loans to loans | 2.2067% | 3,100 |
| Net loans and leases to total assets | 35.7259% | 6,879 |
| Net loans and leases to deposits | 42.4394% | 6,893 |
| Net loans and leases to core deposits | 46.1562% | 6,840 |
| Total domestic deposits to total assets | 84.1811% | 4,139 |
| Equity capital to assets | 15.6830% | 689 |
| Core capital (leverage) ratio | 15.1468% | 635 |
| Tier 1 risk-based capital ratio | 30.7302% | 505 |
| Total risk-based capital ratio | 31.9909% | 491 |
| Memoranda: | ||
| Average total assets | $145,490,000 | 3,901 |
| Average earning assets | $134,167,750 | 3,879 |
| Average equity | $22,271,750 | 2,861 |
| Average total loans | $53,714,750 | 5,174 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6484% | 7,065 |
| Cost of funding earning assets | 0.4959% | 6,857 |
| Net interest margin | 3.1525% | 6,280 |
| Noninterest income to average assets | 0.9528% | 1,457 |
| Noninterest expense to average assets | 2.6758% | 4,917 |
| Loan and lease loss provision to assets | 0.0412% | 5,796 |
| Net operating income to assets | 1.1046% | 1,861 |
| Return on assets (ROA) | 1.1285% | 1,870 |
| Pretax return on assets | 1.1670% | 2,612 |
| Return on Equity (ROE) | 7.4325% | 3,224 |
| Retained earnings to average equity (ytd only) | 2.7036% | 4,570 |
| Net charge-offs to loans | 0.0371% | 5,331 |
| Credit loss provision to net charge-offs | 300.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 86.2000% | 404 |
| Efficiency ratio | 69.3348% | 4,252 |
| Assets per employee ($millions) | 2.8657% | 6,356 |
| Cash dividends to net income (ytd only)* | 63.6253% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6979% | 1,183 |
| Loan loss allowance to noncurrent loans | 227.7070% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 6,028 |
| Noncurrent loans to loans | 1.1848% | 4,676 |
| Net loans and leases to total assets | 35.2884% | 6,996 |
| Net loans and leases to deposits | 41.7294% | 7,001 |
| Net loans and leases to core deposits | 45.1505% | 6,969 |
| Total domestic deposits to total assets | 84.5648% | 4,092 |
| Equity capital to assets | 15.3223% | 742 |
| Core capital (leverage) ratio | 14.9396% | 676 |
| Tier 1 risk-based capital ratio | 29.9231% | 539 |
| Total risk-based capital ratio | 31.1821% | 525 |
| Memoranda: | ||
| Average total assets | $145,675,330 | 3,929 |
| Average earning assets | $134,304,000 | 3,902 |
| Average equity | $22,119,000 | 2,863 |
| Average total loans | $53,931,330 | 5,214 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6824% | 7,082 |
| Cost of funding earning assets | 0.5265% | 6,874 |
| Net interest margin | 3.1559% | 6,204 |
| Noninterest income to average assets | 0.9269% | 1,559 |
| Noninterest expense to average assets | 2.7008% | 4,834 |
| Loan and lease loss provision to assets | 0.0825% | 4,968 |
| Net operating income to assets | 1.0078% | 2,161 |
| Return on assets (ROA) | 1.0369% | 2,098 |
| Pretax return on assets | 1.0754% | 2,849 |
| Return on Equity (ROE) | 6.8603% | 3,461 |
| Retained earnings to average equity (ytd only) | 2.0927% | 4,882 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5460% | 4,152 |
| Assets per employee ($millions) | 2.9910% | 6,156 |
| Cash dividends to net income (ytd only)* | 69.4960% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6692% | 1,237 |
| Loan loss allowance to noncurrent loans | 223.2558% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4995% | 5,976 |
| Noncurrent loans to loans | 1.1956% | 4,689 |
| Net loans and leases to total assets | 35.8277% | 7,011 |
| Net loans and leases to deposits | 42.2521% | 7,012 |
| Net loans and leases to core deposits | 45.6834% | 6,982 |
| Total domestic deposits to total assets | 84.7950% | 4,129 |
| Equity capital to assets | 15.0494% | 752 |
| Core capital (leverage) ratio | 15.0300% | 664 |
| Tier 1 risk-based capital ratio | 28.9768% | 575 |
| Total risk-based capital ratio | 30.2348% | 560 |
| Memoranda: | ||
| Average total assets | $145,436,500 | 3,969 |
| Average earning assets | $133,718,500 | 3,939 |
| Average equity | $21,981,500 | 2,868 |
| Average total loans | $54,394,500 | 5,238 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1199% | 7,022 |
| Cost of funding earning assets | 0.7469% | 6,748 |
| Net interest margin | 3.3730% | 5,728 |
| Noninterest income to average assets | 0.9585% | 1,641 |
| Noninterest expense to average assets | 2.7738% | 4,691 |
| Loan and lease loss provision to assets | 0.2491% | 4,808 |
| Net operating income to assets | 0.9945% | 2,059 |
| Return on assets (ROA) | 1.0006% | 2,141 |
| Pretax return on assets | 1.0413% | 2,806 |
| Return on Equity (ROE) | 6.4810% | 3,360 |
| Retained earnings to average equity (ytd only) | 2.0270% | 4,451 |
| Net charge-offs to loans | 0.3235% | 4,395 |
| Credit loss provision to net charge-offs | 189.8396% | 1,703 |
| Earnings coverage of net charge-offs (x) | 9.7861% | 1,780 |
| Efficiency ratio | 68.3555% | 4,491 |
| Assets per employee ($millions) | 2.9452% | 6,223 |
| Cash dividends to net income (ytd only)* | 68.7237% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5711% | 1,319 |
| Loan loss allowance to noncurrent loans | 182.6425% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 5,869 |
| Noncurrent loans to loans | 1.4077% | 4,372 |
| Net loans and leases to total assets | 37.0236% | 7,112 |
| Net loans and leases to deposits | 43.7217% | 7,126 |
| Net loans and leases to core deposits | 47.0608% | 7,110 |
| Total domestic deposits to total assets | 84.6801% | 4,008 |
| Equity capital to assets | 15.1799% | 747 |
| Core capital (leverage) ratio | 14.9354% | 677 |
| Tier 1 risk-based capital ratio | 28.5779% | 567 |
| Total risk-based capital ratio | 29.8359% | 556 |
| Memoranda: | ||
| Average total assets | $142,514,200 | 4,014 |
| Average earning assets | $130,949,800 | 3,992 |
| Average equity | $22,002,800 | 2,873 |
| Average total loans | $57,812,800 | 5,167 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1836% | 7,117 |
| Cost of funding earning assets | 0.7797% | 6,819 |
| Net interest margin | 3.4040% | 5,667 |
| Noninterest income to average assets | 0.9620% | 1,576 |
| Noninterest expense to average assets | 2.7912% | 4,533 |
| Loan and lease loss provision to assets | 0.2703% | 4,425 |
| Net operating income to assets | 0.9762% | 2,315 |
| Return on assets (ROA) | 0.9789% | 2,424 |
| Pretax return on assets | 1.0380% | 3,038 |
| Return on Equity (ROE) | 6.3134% | 3,676 |
| Retained earnings to average equity (ytd only) | 1.7493% | 5,091 |
| Net charge-offs to loans | 0.4850% | 3,334 |
| Credit loss provision to net charge-offs | 135.2113% | 2,974 |
| Earnings coverage of net charge-offs (x) | 6.5306% | 2,501 |
| Efficiency ratio | 68.1329% | 4,444 |
| Assets per employee ($millions) | 2.9274% | 6,313 |
| Cash dividends to net income (ytd only)* | 72.2917% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3223% | 1,593 |
| Loan loss allowance to noncurrent loans | 191.4244% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5215% | 6,127 |
| Noncurrent loans to loans | 1.2131% | 4,820 |
| Net loans and leases to total assets | 38.6176% | 7,159 |
| Net loans and leases to deposits | 45.7666% | 7,181 |
| Net loans and leases to core deposits | 49.4347% | 7,140 |
| Total domestic deposits to total assets | 84.3794% | 3,925 |
| Equity capital to assets | 15.4449% | 781 |
| Core capital (leverage) ratio | 14.8204% | 755 |
| Tier 1 risk-based capital ratio | 28.3961% | 601 |
| Total risk-based capital ratio | 29.6526% | 588 |
| Memoranda: | ||
| Average total assets | $142,063,750 | 4,078 |
| Average earning assets | $130,823,750 | 4,051 |
| Average equity | $22,026,750 | 2,917 |
| Average total loans | $58,555,750 | 5,202 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2426% | 7,126 |
| Cost of funding earning assets | 0.8071% | 6,886 |
| Net interest margin | 3.4355% | 5,494 |
| Noninterest income to average assets | 0.9675% | 1,466 |
| Noninterest expense to average assets | 2.8460% | 4,286 |
| Loan and lease loss provision to assets | 0.2302% | 4,611 |
| Net operating income to assets | 0.9945% | 2,222 |
| Return on assets (ROA) | 0.9972% | 2,287 |
| Pretax return on assets | 1.0565% | 2,911 |
| Return on Equity (ROE) | 6.4229% | 3,586 |
| Retained earnings to average equity (ytd only) | 1.9469% | 4,894 |
| Net charge-offs to loans | 0.1622% | 4,647 |
| Credit loss provision to net charge-offs | 339.5833% | 1,074 |
| Earnings coverage of net charge-offs (x) | 18.9375% | 1,269 |
| Efficiency ratio | 68.9124% | 4,396 |
| Assets per employee ($millions) | 2.8454% | 6,467 |
| Cash dividends to net income (ytd only)* | 69.6884% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3001% | 1,582 |
| Loan loss allowance to noncurrent loans | 244.9458% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4386% | 6,352 |
| Noncurrent loans to loans | 0.9390% | 5,418 |
| Net loans and leases to total assets | 40.5158% | 7,135 |
| Net loans and leases to deposits | 48.0134% | 7,159 |
| Net loans and leases to core deposits | 51.9677% | 7,139 |
| Total domestic deposits to total assets | 84.3844% | 3,921 |
| Equity capital to assets | 15.4589% | 781 |
| Core capital (leverage) ratio | 14.8319% | 758 |
| Tier 1 risk-based capital ratio | 27.7117% | 650 |
| Total risk-based capital ratio | 28.9685% | 633 |
| Memoranda: | ||
| Average total assets | $141,603,330 | 4,108 |
| Average earning assets | $130,344,000 | 4,078 |
| Average equity | $21,984,000 | 2,920 |
| Average total loans | $59,170,330 | 5,221 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 7,177 |
| Cost of funding earning assets | 0.8557% | 6,918 |
| Net interest margin | 3.4167% | 5,515 |
| Noninterest income to average assets | 0.9599% | 1,419 |
| Noninterest expense to average assets | 2.8824% | 4,128 |
| Loan and lease loss provision to assets | 0.0991% | 5,643 |
| Net operating income to assets | 1.0507% | 1,998 |
| Return on assets (ROA) | 1.0561% | 2,047 |
| Pretax return on assets | 1.1156% | 2,681 |
| Return on Equity (ROE) | 6.7881% | 3,459 |
| Retained earnings to average equity (ytd only) | 4.8773% | 3,220 |
| Net charge-offs to loans | 0.2025% | 3,700 |
| Credit loss provision to net charge-offs | 116.6667% | 2,990 |
| Earnings coverage of net charge-offs (x) | 14.2333% | 1,445 |
| Efficiency ratio | 70.4498% | 4,226 |
| Assets per employee ($millions) | 2.6682% | 6,921 |
| Cash dividends to net income (ytd only)* | 28.1501% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1070% | 1,943 |
| Loan loss allowance to noncurrent loans | 1,502.4096% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 7,207 |
| Noncurrent loans to loans | 0.1402% | 7,055 |
| Net loans and leases to total assets | 40.9691% | 7,187 |
| Net loans and leases to deposits | 48.6726% | 7,197 |
| Net loans and leases to core deposits | 52.3734% | 7,180 |
| Total domestic deposits to total assets | 84.1727% | 4,065 |
| Equity capital to assets | 15.6060% | 743 |
| Core capital (leverage) ratio | 15.3778% | 672 |
| Tier 1 risk-based capital ratio | 27.6959% | 658 |
| Total risk-based capital ratio | 28.9501% | 648 |
| Memoranda: | ||
| Average total assets | $141,271,000 | 4,171 |
| Average earning assets | $129,480,500 | 4,158 |
| Average equity | $21,979,500 | 2,948 |
| Average total loans | $59,256,500 | 5,281 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5409% | 7,346 |
| Cost of funding earning assets | 1.1285% | 6,889 |
| Net interest margin | 3.4124% | 5,321 |
| Noninterest income to average assets | 1.0362% | 1,450 |
| Noninterest expense to average assets | 2.8502% | 4,748 |
| Loan and lease loss provision to assets | 0.1404% | 6,237 |
| Net operating income to assets | 1.1738% | 1,316 |
| Return on assets (ROA) | 1.2110% | 1,267 |
| Pretax return on assets | 1.2611% | 1,806 |
| Return on Equity (ROE) | 7.7643% | 2,474 |
| Retained earnings to average equity (ytd only) | 1.9881% | 3,710 |
| Net charge-offs to loans | 0.1944% | 5,427 |
| Credit loss provision to net charge-offs | 176.5766% | 2,370 |
| Earnings coverage of net charge-offs (x) | 17.1441% | 1,206 |
| Efficiency ratio | 67.6526% | 5,070 |
| Assets per employee ($millions) | 2.5201% | 7,178 |
| Cash dividends to net income (ytd only)* | 74.3938% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0934% | 1,835 |
| Loan loss allowance to noncurrent loans | 1,254.5455% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 7,154 |
| Noncurrent loans to loans | 0.1669% | 7,006 |
| Net loans and leases to total assets | 41.1598% | 7,293 |
| Net loans and leases to deposits | 48.8303% | 7,322 |
| Net loans and leases to core deposits | 59.1383% | 7,294 |
| Total domestic deposits to total assets | 84.2916% | 3,899 |
| Equity capital to assets | 15.5107% | 785 |
| Core capital (leverage) ratio | 15.0293% | 781 |
| Tier 1 risk-based capital ratio | 27.1812% | 691 |
| Total risk-based capital ratio | 28.4356% | 677 |
| Memoranda: | ||
| Average total assets | $139,641,600 | 4,132 |
| Average earning assets | $129,995,800 | 4,086 |
| Average equity | $21,779,200 | 2,974 |
| Average total loans | $57,086,600 | 5,381 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5616% | 7,450 |
| Cost of funding earning assets | 1.1813% | 6,940 |
| Net interest margin | 3.3803% | 5,352 |
| Noninterest income to average assets | 1.0569% | 1,423 |
| Noninterest expense to average assets | 2.8242% | 4,789 |
| Loan and lease loss provision to assets | 0.0287% | 7,060 |
| Net operating income to assets | 1.2901% | 1,246 |
| Return on assets (ROA) | 1.3144% | 1,261 |
| Pretax return on assets | 1.3968% | 1,703 |
| Return on Equity (ROE) | 8.4161% | 2,478 |
| Retained earnings to average equity (ytd only) | 3.5307% | 3,321 |
| Net charge-offs to loans | 0.1439% | 5,260 |
| Credit loss provision to net charge-offs | 49.1803% | 6,321 |
| Earnings coverage of net charge-offs (x) | 23.9675% | 1,100 |
| Efficiency ratio | 66.8631% | 5,216 |
| Assets per employee ($millions) | 2.5142% | 7,210 |
| Cash dividends to net income (ytd only)* | 58.0481% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9238% | 1,968 |
| Loan loss allowance to noncurrent loans | 7,037.5000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 7,391 |
| Noncurrent loans to loans | 0.0273% | 7,452 |
| Net loans and leases to total assets | 40.7709% | 7,420 |
| Net loans and leases to deposits | 48.5672% | 7,472 |
| Net loans and leases to core deposits | 59.9992% | 7,400 |
| Total domestic deposits to total assets | 83.9475% | 3,746 |
| Equity capital to assets | 15.7954% | 822 |
| Core capital (leverage) ratio | 14.9134% | 877 |
| Tier 1 risk-based capital ratio | 27.4035% | 718 |
| Total risk-based capital ratio | 28.6557% | 700 |
| Memoranda: | ||
| Average total assets | $139,270,000 | 4,155 |
| Average earning assets | $130,476,500 | 4,096 |
| Average equity | $21,751,500 | 3,006 |
| Average total loans | $56,525,750 | 5,442 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5714% | 7,564 |
| Cost of funding earning assets | 1.2230% | 7,040 |
| Net interest margin | 3.3484% | 5,371 |
| Noninterest income to average assets | 1.0666% | 1,397 |
| Noninterest expense to average assets | 2.8279% | 4,837 |
| Loan and lease loss provision to assets | 0.0216% | 7,014 |
| Net operating income to assets | 1.2822% | 1,271 |
| Return on assets (ROA) | 1.3188% | 1,260 |
| Pretax return on assets | 1.4010% | 1,724 |
| Return on Equity (ROE) | 8.4765% | 2,582 |
| Retained earnings to average equity (ytd only) | 3.2331% | 3,517 |
| Net charge-offs to loans | -0.0716% | 7,903 |
| Credit loss provision to net charge-offs | -75.0000% | 6,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1458% | 5,332 |
| Assets per employee ($millions) | 2.5452% | 7,160 |
| Cash dividends to net income (ytd only)* | 61.8579% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0989% | 1,396 |
| Loan loss allowance to noncurrent loans | 9,933.3333% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 7,379 |
| Noncurrent loans to loans | 0.0211% | 7,494 |
| Net loans and leases to total assets | 39.7183% | 7,566 |
| Net loans and leases to deposits | 47.1374% | 7,590 |
| Net loans and leases to core deposits | 58.8018% | 7,494 |
| Total domestic deposits to total assets | 84.2606% | 3,621 |
| Equity capital to assets | 15.5001% | 931 |
| Core capital (leverage) ratio | 14.8669% | 950 |
| Tier 1 risk-based capital ratio | 28.1195% | 709 |
| Total risk-based capital ratio | 29.3240% | 695 |
| Memoranda: | ||
| Average total assets | $138,762,000 | 4,199 |
| Average earning assets | $130,332,670 | 4,128 |
| Average equity | $21,589,000 | 3,023 |
| Average total loans | $55,858,000 | 5,510 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6269% | 7,592 |
| Cost of funding earning assets | 1.2890% | 7,047 |
| Net interest margin | 3.3378% | 5,375 |
| Noninterest income to average assets | 1.0452% | 1,363 |
| Noninterest expense to average assets | 2.8085% | 4,519 |
| Loan and lease loss provision to assets | 0.0232% | 6,615 |
| Net operating income to assets | 1.2370% | 1,539 |
| Return on assets (ROA) | 1.2479% | 1,621 |
| Pretax return on assets | 1.3290% | 2,186 |
| Return on Equity (ROE) | 8.0058% | 3,152 |
| Retained earnings to average equity (ytd only) | 6.0554% | 2,599 |
| Net charge-offs to loans | -0.1589% | 7,981 |
| Credit loss provision to net charge-offs | -36.3636% | 6,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6902% | 5,024 |
| Assets per employee ($millions) | 2.5563% | 7,173 |
| Cash dividends to net income (ytd only)* | 24.3619% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1419% | 1,160 |
| Loan loss allowance to noncurrent loans | 4,941.6667% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 6,998 |
| Noncurrent loans to loans | 0.0433% | 7,417 |
| Net loans and leases to total assets | 38.5387% | 7,642 |
| Net loans and leases to deposits | 45.7462% | 7,674 |
| Net loans and leases to core deposits | 56.3963% | 7,599 |
| Total domestic deposits to total assets | 84.2446% | 3,583 |
| Equity capital to assets | 15.4397% | 979 |
| Core capital (leverage) ratio | 15.2888% | 905 |
| Tier 1 risk-based capital ratio | 28.6262% | 708 |
| Total risk-based capital ratio | 29.8812% | 693 |
| Memoranda: | ||
| Average total assets | $138,150,000 | 4,229 |
| Average earning assets | $128,467,000 | 4,183 |
| Average equity | $21,534,500 | 3,034 |
| Average total loans | $55,391,000 | 5,570 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2858% | 7,614 |
| Cost of funding earning assets | 1.6898% | 7,280 |
| Net interest margin | 3.5960% | 4,909 |
| Noninterest income to average assets | 1.1048% | 1,288 |
| Noninterest expense to average assets | 2.7696% | 4,951 |
| Loan and lease loss provision to assets | 0.2623% | 4,305 |
| Net operating income to assets | 1.3306% | 1,401 |
| Return on assets (ROA) | 1.3584% | 1,287 |
| Pretax return on assets | 1.4394% | 1,852 |
| Return on Equity (ROE) | 9.0406% | 2,633 |
| Retained earnings to average equity (ytd only) | 1.3753% | 4,392 |
| Net charge-offs to loans | 0.1532% | 4,664 |
| Credit loss provision to net charge-offs | 403.3333% | 1,087 |
| Earnings coverage of net charge-offs (x) | 25.7111% | 1,319 |
| Efficiency ratio | 62.3556% | 5,886 |
| Assets per employee ($millions) | 2.7694% | 6,638 |
| Cash dividends to net income (ytd only)* | 84.7872% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0880% | 1,089 |
| Loan loss allowance to noncurrent loans | 3,989.6552% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 6,811 |
| Noncurrent loans to loans | 0.0523% | 7,297 |
| Net loans and leases to total assets | 39.9805% | 7,673 |
| Net loans and leases to deposits | 47.5987% | 7,727 |
| Net loans and leases to core deposits | 57.8530% | 7,672 |
| Total domestic deposits to total assets | 83.9950% | 3,323 |
| Equity capital to assets | 15.7412% | 988 |
| Core capital (leverage) ratio | 15.4270% | 939 |
| Tier 1 risk-based capital ratio | 28.6326% | 726 |
| Total risk-based capital ratio | 29.8870% | 712 |
| Memoranda: | ||
| Average total assets | $138,395,400 | 4,112 |
| Average earning assets | $128,419,000 | 4,072 |
| Average equity | $20,795,000 | 3,122 |
| Average total loans | $58,735,000 | 5,332 |