Home > Plaza Park State Bank > Performance and Condition Ratios
Plaza Park State Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9579% | 3,766 |
| Cost of funding earning assets | 0.1981% | 5,030 |
| Net interest margin | 3.7598% | 2,579 |
| Noninterest income to average assets | 0.5012% | 2,790 |
| Noninterest expense to average assets | 2.2919% | 4,204 |
| Loan and lease loss provision to assets | -0.3219% | 5,568 |
| Net operating income to assets | 2.0433% | 332 |
| Return on assets (ROA) | 2.0433% | 335 |
| Pretax return on assets | 2.0433% | 525 |
| Return on Equity (ROE) | 20.3474% | 227 |
| Retained earnings to average equity (ytd only) | 13.6289% | 444 |
| Net charge-offs to loans | -0.2207% | 5,394 |
| Credit loss provision to net charge-offs | 206.1728% | 1,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1085% | 4,449 |
| Assets per employee ($millions) | 6.1745% | 1,382 |
| Cash dividends to net income (ytd only)* | 33.0189% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,235 |
| Loan loss allowance to noncurrent loans | 107.3446% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.4009% | 1,037 |
| Noncurrent loans to loans | 1.2125% | 1,499 |
| Net loans and leases to total assets | 68.6313% | 2,684 |
| Net loans and leases to deposits | 77.4806% | 3,066 |
| Net loans and leases to core deposits | 79.5841% | 3,356 |
| Total domestic deposits to total assets | 88.5787% | 1,316 |
| Equity capital to assets | 10.0909% | 3,511 |
| Core capital (leverage) ratio | 10.3506% | 3,116 |
| Tier 1 risk-based capital ratio | 14.5181% | 3,107 |
| Total risk-based capital ratio | 15.7688% | 3,018 |
| Memoranda: | ||
| Average total assets | $207,509,000 | 2,868 |
| Average earning assets | $193,838,500 | 2,841 |
| Average equity | $20,838,000 | 3,067 |
| Average total loans | $146,836,000 | 2,726 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1003% | 3,055 |
| Cost of funding earning assets | 0.2085% | 4,880 |
| Net interest margin | 3.8919% | 2,112 |
| Noninterest income to average assets | 0.5048% | 2,969 |
| Noninterest expense to average assets | 2.8718% | 2,544 |
| Loan and lease loss provision to assets | 0.0242% | 3,814 |
| Net operating income to assets | 1.2434% | 1,381 |
| Return on assets (ROA) | 1.0202% | 2,187 |
| Pretax return on assets | 1.0202% | 3,492 |
| Return on Equity (ROE) | 10.4172% | 1,709 |
| Retained earnings to average equity (ytd only) | 3.0433% | 3,484 |
| Net charge-offs to loans | -0.1081% | 5,386 |
| Credit loss provision to net charge-offs | -32.0513% | 4,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3780% | 2,639 |
| Assets per employee ($millions) | 5.8596% | 1,615 |
| Cash dividends to net income (ytd only)* | 70.7860% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 2,000 |
| Loan loss allowance to noncurrent loans | 180.0544% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 1.1498% | 1,297 |
| Noncurrent loans to loans | 0.7468% | 2,338 |
| Net loans and leases to total assets | 71.0468% | 2,371 |
| Net loans and leases to deposits | 80.1641% | 2,897 |
| Net loans and leases to core deposits | 82.3134% | 3,223 |
| Total domestic deposits to total assets | 88.6267% | 1,179 |
| Equity capital to assets | 9.9919% | 3,718 |
| Core capital (leverage) ratio | 9.7655% | 3,728 |
| Tier 1 risk-based capital ratio | 13.8535% | 3,444 |
| Total risk-based capital ratio | 15.1046% | 3,353 |
| Memoranda: | ||
| Average total assets | $207,015,400 | 2,849 |
| Average earning assets | $193,326,000 | 2,829 |
| Average equity | $20,274,200 | 3,115 |
| Average total loans | $144,345,000 | 2,713 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0950% | 3,002 |
| Cost of funding earning assets | 0.2094% | 4,887 |
| Net interest margin | 3.8856% | 2,087 |
| Noninterest income to average assets | 0.5160% | 2,932 |
| Noninterest expense to average assets | 2.6596% | 3,207 |
| Loan and lease loss provision to assets | 0.0321% | 3,481 |
| Net operating income to assets | 1.4496% | 994 |
| Return on assets (ROA) | 1.4496% | 1,008 |
| Pretax return on assets | 1.4496% | 1,945 |
| Return on Equity (ROE) | 14.8761% | 667 |
| Retained earnings to average equity (ytd only) | 5.0181% | 2,874 |
| Net charge-offs to loans | -0.0622% | 5,233 |
| Credit loss provision to net charge-offs | -74.6269% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2203% | 3,500 |
| Assets per employee ($millions) | 6.0061% | 1,490 |
| Cash dividends to net income (ytd only)* | 66.2677% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 2,383 |
| Loan loss allowance to noncurrent loans | 150.4362% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 1.2031% | 1,369 |
| Noncurrent loans to loans | 0.8601% | 2,217 |
| Net loans and leases to total assets | 68.8400% | 2,719 |
| Net loans and leases to deposits | 77.5990% | 3,212 |
| Net loans and leases to core deposits | 80.2289% | 3,435 |
| Total domestic deposits to total assets | 88.7125% | 1,007 |
| Equity capital to assets | 9.9208% | 4,011 |
| Core capital (leverage) ratio | 9.9024% | 3,693 |
| Tier 1 risk-based capital ratio | 13.0675% | 3,962 |
| Total risk-based capital ratio | 14.2684% | 3,907 |
| Memoranda: | ||
| Average total assets | $207,497,750 | 2,868 |
| Average earning assets | $193,597,000 | 2,853 |
| Average equity | $20,219,750 | 3,140 |
| Average total loans | $143,508,000 | 2,749 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0841% | 2,879 |
| Cost of funding earning assets | 0.2116% | 4,875 |
| Net interest margin | 3.8725% | 2,025 |
| Noninterest income to average assets | 0.4802% | 3,147 |
| Noninterest expense to average assets | 2.7562% | 2,900 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3379% | 1,201 |
| Return on assets (ROA) | 1.3379% | 1,223 |
| Pretax return on assets | 1.3379% | 2,245 |
| Return on Equity (ROE) | 13.8145% | 844 |
| Retained earnings to average equity (ytd only) | 2.1192% | 4,409 |
| Net charge-offs to loans | -0.1067% | 5,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3209% | 3,130 |
| Assets per employee ($millions) | 5.7376% | 1,664 |
| Cash dividends to net income (ytd only)* | 84.6599% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 2,421 |
| Loan loss allowance to noncurrent loans | 173.1343% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 1.0791% | 1,621 |
| Noncurrent loans to loans | 0.7500% | 2,519 |
| Net loans and leases to total assets | 68.2990% | 2,765 |
| Net loans and leases to deposits | 76.9006% | 3,233 |
| Net loans and leases to core deposits | 79.2815% | 3,485 |
| Total domestic deposits to total assets | 88.8146% | 1,050 |
| Equity capital to assets | 9.8594% | 4,079 |
| Core capital (leverage) ratio | 9.7371% | 3,853 |
| Tier 1 risk-based capital ratio | 13.0211% | 3,982 |
| Total risk-based capital ratio | 14.2240% | 3,932 |
| Memoranda: | ||
| Average total assets | $206,592,000 | 2,888 |
| Average earning assets | $192,797,330 | 2,871 |
| Average equity | $20,008,000 | 3,157 |
| Average total loans | $142,474,330 | 2,767 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0526% | 2,844 |
| Cost of funding earning assets | 0.2099% | 4,886 |
| Net interest margin | 3.8427% | 1,976 |
| Noninterest income to average assets | 0.5189% | 2,848 |
| Noninterest expense to average assets | 2.5749% | 3,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5236% | 774 |
| Return on assets (ROA) | 1.5236% | 801 |
| Pretax return on assets | 1.5236% | 1,461 |
| Return on Equity (ROE) | 15.8753% | 539 |
| Retained earnings to average equity (ytd only) | 3.7722% | 3,563 |
| Net charge-offs to loans | 0.0028% | 2,871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 787.0000% | 60 |
| Efficiency ratio | 62.8248% | 4,016 |
| Assets per employee ($millions) | 5.8096% | 1,648 |
| Cash dividends to net income (ytd only)* | 76.2389% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,853 |
| Loan loss allowance to noncurrent loans | 125.9023% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.2513% | 1,376 |
| Noncurrent loans to loans | 0.9896% | 2,069 |
| Net loans and leases to total assets | 67.4180% | 2,758 |
| Net loans and leases to deposits | 75.6108% | 3,245 |
| Net loans and leases to core deposits | 77.8789% | 3,477 |
| Total domestic deposits to total assets | 89.1645% | 1,067 |
| Equity capital to assets | 9.5694% | 4,215 |
| Core capital (leverage) ratio | 9.8354% | 3,710 |
| Tier 1 risk-based capital ratio | 13.1121% | 4,021 |
| Total risk-based capital ratio | 14.2745% | 3,968 |
| Memoranda: | ||
| Average total assets | $206,610,500 | 2,921 |
| Average earning assets | $192,467,000 | 2,905 |
| Average equity | $19,829,500 | 3,189 |
| Average total loans | $142,246,000 | 2,784 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 2,576 |
| Cost of funding earning assets | 0.2160% | 4,876 |
| Net interest margin | 3.9557% | 1,764 |
| Noninterest income to average assets | 0.5548% | 2,889 |
| Noninterest expense to average assets | 2.8170% | 2,970 |
| Loan and lease loss provision to assets | 0.0256% | 3,845 |
| Net operating income to assets | 1.3962% | 1,014 |
| Return on assets (ROA) | 1.3962% | 1,044 |
| Pretax return on assets | 1.3962% | 1,954 |
| Return on Equity (ROE) | 13.9393% | 786 |
| Retained earnings to average equity (ytd only) | 5.4061% | 2,075 |
| Net charge-offs to loans | 0.0248% | 3,548 |
| Credit loss provision to net charge-offs | 142.8571% | 1,921 |
| Earnings coverage of net charge-offs (x) | 79.3714% | 719 |
| Efficiency ratio | 66.4574% | 3,516 |
| Assets per employee ($millions) | 5.6688% | 1,725 |
| Cash dividends to net income (ytd only)* | 61.2170% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 2,782 |
| Loan loss allowance to noncurrent loans | 174.3389% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 1.0986% | 1,699 |
| Noncurrent loans to loans | 0.7205% | 2,734 |
| Net loans and leases to total assets | 68.5684% | 2,692 |
| Net loans and leases to deposits | 76.9583% | 3,207 |
| Net loans and leases to core deposits | 78.7137% | 3,507 |
| Total domestic deposits to total assets | 89.0981% | 1,065 |
| Equity capital to assets | 9.6264% | 4,146 |
| Core capital (leverage) ratio | 9.8561% | 3,684 |
| Tier 1 risk-based capital ratio | 13.2004% | 3,948 |
| Total risk-based capital ratio | 14.3824% | 3,905 |
| Memoranda: | ||
| Average total assets | $195,386,200 | 3,005 |
| Average earning assets | $181,966,800 | 2,995 |
| Average equity | $19,570,600 | 3,211 |
| Average total loans | $140,887,200 | 2,771 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2317% | 2,404 |
| Cost of funding earning assets | 0.2184% | 4,892 |
| Net interest margin | 4.0133% | 1,613 |
| Noninterest income to average assets | 0.6238% | 2,556 |
| Noninterest expense to average assets | 2.8479% | 2,834 |
| Loan and lease loss provision to assets | 0.0345% | 3,544 |
| Net operating income to assets | 1.4823% | 912 |
| Return on assets (ROA) | 1.4823% | 954 |
| Pretax return on assets | 1.4823% | 1,768 |
| Return on Equity (ROE) | 14.6478% | 712 |
| Retained earnings to average equity (ytd only) | 4.9303% | 2,879 |
| Net charge-offs to loans | 0.1005% | 1,945 |
| Credit loss provision to net charge-offs | 47.1698% | 3,071 |
| Earnings coverage of net charge-offs (x) | 20.7358% | 1,856 |
| Efficiency ratio | 65.2490% | 3,720 |
| Assets per employee ($millions) | 5.4372% | 1,917 |
| Cash dividends to net income (ytd only)* | 66.3407% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 3,141 |
| Loan loss allowance to noncurrent loans | 94.3157% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.3341% | 1,415 |
| Noncurrent loans to loans | 1.2888% | 1,732 |
| Net loans and leases to total assets | 69.0362% | 2,634 |
| Net loans and leases to deposits | 77.8866% | 3,190 |
| Net loans and leases to core deposits | 79.3756% | 3,514 |
| Total domestic deposits to total assets | 88.6369% | 1,080 |
| Equity capital to assets | 9.9619% | 4,166 |
| Core capital (leverage) ratio | 9.9345% | 3,655 |
| Tier 1 risk-based capital ratio | 13.0974% | 4,098 |
| Total risk-based capital ratio | 14.2426% | 4,081 |
| Memoranda: | ||
| Average total assets | $193,214,000 | 3,037 |
| Average earning assets | $180,096,750 | 3,022 |
| Average equity | $19,552,000 | 3,234 |
| Average total loans | $140,681,250 | 2,771 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 2,291 |
| Cost of funding earning assets | 0.2190% | 4,949 |
| Net interest margin | 4.0429% | 1,519 |
| Noninterest income to average assets | 0.5856% | 2,692 |
| Noninterest expense to average assets | 2.7739% | 3,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5701% | 774 |
| Return on assets (ROA) | 1.5701% | 815 |
| Pretax return on assets | 1.5701% | 1,453 |
| Return on Equity (ROE) | 15.4314% | 620 |
| Retained earnings to average equity (ytd only) | 3.6722% | 3,552 |
| Net charge-offs to loans | 0.0185% | 3,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 115.0769% | 510 |
| Efficiency ratio | 63.8560% | 4,047 |
| Assets per employee ($millions) | 5.9812% | 1,416 |
| Cash dividends to net income (ytd only)* | 76.2032% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 3,034 |
| Loan loss allowance to noncurrent loans | 94.8052% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.5617% | 1,200 |
| Noncurrent loans to loans | 1.3263% | 1,698 |
| Net loans and leases to total assets | 71.8858% | 2,192 |
| Net loans and leases to deposits | 81.4029% | 2,771 |
| Net loans and leases to core deposits | 83.0946% | 3,159 |
| Total domestic deposits to total assets | 88.3087% | 1,270 |
| Equity capital to assets | 10.3324% | 3,814 |
| Core capital (leverage) ratio | 10.0597% | 3,499 |
| Tier 1 risk-based capital ratio | 13.1825% | 4,085 |
| Total risk-based capital ratio | 14.3868% | 4,040 |
| Memoranda: | ||
| Average total assets | $190,559,670 | 3,083 |
| Average earning assets | $177,148,330 | 3,069 |
| Average equity | $19,389,000 | 3,257 |
| Average total loans | $140,710,330 | 2,778 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 2,230 |
| Cost of funding earning assets | 0.2210% | 4,990 |
| Net interest margin | 4.0508% | 1,477 |
| Noninterest income to average assets | 0.4796% | 3,265 |
| Noninterest expense to average assets | 2.4613% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7966% | 470 |
| Return on assets (ROA) | 1.7966% | 505 |
| Pretax return on assets | 1.7966% | 857 |
| Return on Equity (ROE) | 17.7958% | 375 |
| Retained earnings to average equity (ytd only) | 7.3767% | 1,714 |
| Net charge-offs to loans | 0.0226% | 2,481 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 106.7500% | 518 |
| Efficiency ratio | 57.8063% | 5,021 |
| Assets per employee ($millions) | 5.1598% | 2,180 |
| Cash dividends to net income (ytd only)* | 58.5480% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 3,254 |
| Loan loss allowance to noncurrent loans | 78.5427% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.7003% | 1,137 |
| Noncurrent loans to loans | 1.5794% | 1,472 |
| Net loans and leases to total assets | 73.2694% | 1,837 |
| Net loans and leases to deposits | 82.7208% | 2,465 |
| Net loans and leases to core deposits | 84.9044% | 2,853 |
| Total domestic deposits to total assets | 88.5743% | 1,319 |
| Equity capital to assets | 10.1974% | 3,843 |
| Core capital (leverage) ratio | 10.1760% | 3,340 |
| Tier 1 risk-based capital ratio | 12.9252% | 4,311 |
| Total risk-based capital ratio | 14.1095% | 4,260 |
| Memoranda: | ||
| Average total assets | $190,140,500 | 3,089 |
| Average earning assets | $177,348,000 | 3,081 |
| Average equity | $19,195,500 | 3,282 |
| Average total loans | $141,395,500 | 2,756 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3992% | 1,907 |
| Cost of funding earning assets | 0.2342% | 4,959 |
| Net interest margin | 4.1650% | 1,249 |
| Noninterest income to average assets | 0.5482% | 3,020 |
| Noninterest expense to average assets | 3.0002% | 2,544 |
| Loan and lease loss provision to assets | 0.0518% | 3,285 |
| Net operating income to assets | 1.3721% | 1,096 |
| Return on assets (ROA) | 1.3770% | 1,124 |
| Pretax return on assets | 1.3770% | 1,989 |
| Return on Equity (ROE) | 13.7334% | 904 |
| Retained earnings to average equity (ytd only) | 4.1140% | 3,077 |
| Net charge-offs to loans | 0.1565% | 1,814 |
| Credit loss provision to net charge-offs | 43.1818% | 3,494 |
| Earnings coverage of net charge-offs (x) | 11.8773% | 2,517 |
| Efficiency ratio | 67.8162% | 3,599 |
| Assets per employee ($millions) | 5.1181% | 2,218 |
| Cash dividends to net income (ytd only)* | 70.0435% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 3,166 |
| Loan loss allowance to noncurrent loans | 101.4368% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.4976% | 1,351 |
| Noncurrent loans to loans | 1.2327% | 1,914 |
| Net loans and leases to total assets | 73.6071% | 1,794 |
| Net loans and leases to deposits | 82.9588% | 2,479 |
| Net loans and leases to core deposits | 85.0363% | 2,874 |
| Total domestic deposits to total assets | 88.7273% | 1,269 |
| Equity capital to assets | 9.9927% | 3,964 |
| Core capital (leverage) ratio | 9.9848% | 3,533 |
| Tier 1 risk-based capital ratio | 12.8628% | 4,411 |
| Total risk-based capital ratio | 14.0690% | 4,337 |
| Memoranda: | ||
| Average total assets | $183,520,000 | 3,124 |
| Average earning assets | $170,779,200 | 3,121 |
| Average equity | $18,400,400 | 3,325 |
| Average total loans | $140,572,600 | 2,718 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4195% | 1,856 |
| Cost of funding earning assets | 0.2358% | 5,032 |
| Net interest margin | 4.1837% | 1,201 |
| Noninterest income to average assets | 0.4987% | 3,374 |
| Noninterest expense to average assets | 2.8957% | 2,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5006% | 920 |
| Return on assets (ROA) | 1.5072% | 947 |
| Pretax return on assets | 1.5072% | 1,668 |
| Return on Equity (ROE) | 15.0190% | 725 |
| Retained earnings to average equity (ytd only) | 3.8533% | 3,729 |
| Net charge-offs to loans | 0.0560% | 2,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 34.7309% | 1,366 |
| Efficiency ratio | 65.8671% | 3,910 |
| Assets per employee ($millions) | 5.0672% | 2,217 |
| Cash dividends to net income (ytd only)* | 74.3441% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 3,229 |
| Loan loss allowance to noncurrent loans | 76.2917% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.7292% | 1,250 |
| Noncurrent loans to loans | 1.6726% | 1,458 |
| Net loans and leases to total assets | 75.5542% | 1,449 |
| Net loans and leases to deposits | 85.1789% | 2,256 |
| Net loans and leases to core deposits | 87.3298% | 2,722 |
| Total domestic deposits to total assets | 88.7006% | 1,176 |
| Equity capital to assets | 9.9473% | 4,227 |
| Core capital (leverage) ratio | 9.9221% | 3,742 |
| Tier 1 risk-based capital ratio | 12.5704% | 4,702 |
| Total risk-based capital ratio | 13.8083% | 4,617 |
| Memoranda: | ||
| Average total assets | $182,057,750 | 3,165 |
| Average earning assets | $169,608,000 | 3,156 |
| Average equity | $18,269,750 | 3,373 |
| Average total loans | $140,427,250 | 2,741 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3868% | 1,898 |
| Cost of funding earning assets | 0.2360% | 5,089 |
| Net interest margin | 4.1508% | 1,224 |
| Noninterest income to average assets | 0.5748% | 2,880 |
| Noninterest expense to average assets | 2.9548% | 2,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4835% | 927 |
| Return on assets (ROA) | 1.4835% | 976 |
| Pretax return on assets | 1.4835% | 1,692 |
| Return on Equity (ROE) | 14.7385% | 774 |
| Retained earnings to average equity (ytd only) | 1.0142% | 5,163 |
| Net charge-offs to loans | -0.0373% | 5,420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5750% | 3,906 |
| Assets per employee ($millions) | 5.0391% | 2,229 |
| Cash dividends to net income (ytd only)* | 93.1189% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 3,058 |
| Loan loss allowance to noncurrent loans | 68.6001% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 1.9525% | 1,137 |
| Noncurrent loans to loans | 1.9439% | 1,276 |
| Net loans and leases to total assets | 78.1466% | 1,051 |
| Net loans and leases to deposits | 88.1333% | 1,819 |
| Net loans and leases to core deposits | 89.2564% | 2,423 |
| Total domestic deposits to total assets | 88.6687% | 1,316 |
| Equity capital to assets | 9.9747% | 4,069 |
| Core capital (leverage) ratio | 9.9878% | 3,623 |
| Tier 1 risk-based capital ratio | 12.3853% | 4,889 |
| Total risk-based capital ratio | 13.6363% | 4,793 |
| Memoranda: | ||
| Average total assets | $180,247,670 | 3,211 |
| Average earning assets | $167,775,670 | 3,199 |
| Average equity | $18,143,000 | 3,405 |
| Average total loans | $139,407,670 | 2,755 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 1,975 |
| Cost of funding earning assets | 0.2368% | 5,156 |
| Net interest margin | 4.1016% | 1,271 |
| Noninterest income to average assets | 0.6189% | 2,552 |
| Noninterest expense to average assets | 3.1147% | 2,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3224% | 1,202 |
| Return on assets (ROA) | 1.3224% | 1,284 |
| Pretax return on assets | 1.3224% | 2,191 |
| Return on Equity (ROE) | 13.0787% | 1,071 |
| Retained earnings to average equity (ytd only) | -2.3339% | 5,725 |
| Net charge-offs to loans | -0.0058% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1957% | 3,455 |
| Assets per employee ($millions) | 5.0819% | 2,254 |
| Cash dividends to net income (ytd only)* | 117.8451% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 3,040 |
| Loan loss allowance to noncurrent loans | 66.3162% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 1.9710% | 1,214 |
| Noncurrent loans to loans | 2.0729% | 1,250 |
| Net loans and leases to total assets | 74.1950% | 1,471 |
| Net loans and leases to deposits | 83.5939% | 2,130 |
| Net loans and leases to core deposits | 84.9016% | 2,666 |
| Total domestic deposits to total assets | 88.7564% | 1,415 |
| Equity capital to assets | 9.9432% | 4,210 |
| Core capital (leverage) ratio | 9.9930% | 3,611 |
| Tier 1 risk-based capital ratio | 12.6557% | 4,808 |
| Total risk-based capital ratio | 13.9066% | 4,726 |
| Memoranda: | ||
| Average total assets | $179,667,000 | 3,237 |
| Average earning assets | $167,251,500 | 3,216 |
| Average equity | $18,167,000 | 3,419 |
| Average total loans | $137,271,000 | 2,786 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6564% | 1,402 |
| Cost of funding earning assets | 0.2554% | 5,268 |
| Net interest margin | 4.4009% | 884 |
| Noninterest income to average assets | 0.4932% | 3,562 |
| Noninterest expense to average assets | 3.1793% | 2,262 |
| Loan and lease loss provision to assets | 0.0227% | 4,156 |
| Net operating income to assets | 1.3837% | 1,115 |
| Return on assets (ROA) | 1.3768% | 1,169 |
| Pretax return on assets | 1.3768% | 1,971 |
| Return on Equity (ROE) | 13.9351% | 943 |
| Retained earnings to average equity (ytd only) | 5.5959% | 2,194 |
| Net charge-offs to loans | 0.1390% | 2,634 |
| Credit loss provision to net charge-offs | 20.5128% | 3,969 |
| Earnings coverage of net charge-offs (x) | 12.6923% | 2,346 |
| Efficiency ratio | 69.3309% | 3,651 |
| Assets per employee ($millions) | 4.8996% | 2,457 |
| Cash dividends to net income (ytd only)* | 59.8432% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 3,042 |
| Loan loss allowance to noncurrent loans | 68.3792% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.9888% | 1,284 |
| Noncurrent loans to loans | 2.0188% | 1,371 |
| Net loans and leases to total assets | 76.5490% | 1,188 |
| Net loans and leases to deposits | 86.5752% | 1,905 |
| Net loans and leases to core deposits | 87.8534% | 2,515 |
| Total domestic deposits to total assets | 88.4191% | 1,554 |
| Equity capital to assets | 10.2860% | 3,746 |
| Core capital (leverage) ratio | 10.3485% | 3,115 |
| Tier 1 risk-based capital ratio | 13.2318% | 4,568 |
| Total risk-based capital ratio | 14.4836% | 4,491 |
| Memoranda: | ||
| Average total assets | $175,983,000 | 3,260 |
| Average earning assets | $163,646,600 | 3,233 |
| Average equity | $17,387,800 | 3,472 |
| Average total loans | $140,316,000 | 2,711 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7013% | 1,301 |
| Cost of funding earning assets | 0.2591% | 5,317 |
| Net interest margin | 4.4422% | 830 |
| Noninterest income to average assets | 0.5102% | 3,482 |
| Noninterest expense to average assets | 3.1573% | 2,302 |
| Loan and lease loss provision to assets | 0.0303% | 3,806 |
| Net operating income to assets | 1.4555% | 1,017 |
| Return on assets (ROA) | 1.4464% | 1,073 |
| Pretax return on assets | 1.4464% | 1,819 |
| Return on Equity (ROE) | 14.7912% | 867 |
| Retained earnings to average equity (ytd only) | 5.4886% | 2,762 |
| Net charge-offs to loans | -0.0028% | 5,214 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0000% | 3,855 |
| Assets per employee ($millions) | 4.6968% | 2,677 |
| Cash dividends to net income (ytd only)* | 62.8930% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5286% | 2,582 |
| Loan loss allowance to noncurrent loans | 56.1743% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 2.3794% | 1,143 |
| Noncurrent loans to loans | 2.7212% | 1,042 |
| Net loans and leases to total assets | 77.3977% | 1,044 |
| Net loans and leases to deposits | 87.5694% | 1,725 |
| Net loans and leases to core deposits | 89.4237% | 2,278 |
| Total domestic deposits to total assets | 88.3844% | 1,562 |
| Equity capital to assets | 10.2605% | 3,845 |
| Core capital (leverage) ratio | 10.0735% | 3,567 |
| Tier 1 risk-based capital ratio | 13.2603% | 4,691 |
| Total risk-based capital ratio | 14.5141% | 4,626 |
| Memoranda: | ||
| Average total assets | $175,882,500 | 3,281 |
| Average earning assets | $163,638,000 | 3,267 |
| Average equity | $17,199,000 | 3,515 |
| Average total loans | $141,167,250 | 2,711 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7102% | 1,259 |
| Cost of funding earning assets | 0.2622% | 5,366 |
| Net interest margin | 4.4480% | 782 |
| Noninterest income to average assets | 0.5074% | 3,428 |
| Noninterest expense to average assets | 3.1136% | 2,442 |
| Loan and lease loss provision to assets | 0.0453% | 3,411 |
| Net operating income to assets | 1.4803% | 906 |
| Return on assets (ROA) | 1.4803% | 939 |
| Pretax return on assets | 1.4803% | 1,597 |
| Return on Equity (ROE) | 15.3870% | 733 |
| Retained earnings to average equity (ytd only) | 4.2029% | 3,494 |
| Net charge-offs to loans | -0.0140% | 5,423 |
| Credit loss provision to net charge-offs | -400.0000% | 5,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1143% | 4,179 |
| Assets per employee ($millions) | 4.8140% | 2,453 |
| Cash dividends to net income (ytd only)* | 72.6855% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 3,092 |
| Loan loss allowance to noncurrent loans | 49.8216% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 2.4658% | 1,157 |
| Noncurrent loans to loans | 2.9201% | 1,016 |
| Net loans and leases to total assets | 79.6703% | 726 |
| Net loans and leases to deposits | 91.5772% | 1,204 |
| Net loans and leases to core deposits | 92.7237% | 1,883 |
| Total domestic deposits to total assets | 86.9980% | 2,456 |
| Equity capital to assets | 9.7783% | 4,390 |
| Core capital (leverage) ratio | 9.8385% | 3,831 |
| Tier 1 risk-based capital ratio | 12.3055% | 5,356 |
| Total risk-based capital ratio | 13.5580% | 5,273 |
| Memoranda: | ||
| Average total assets | $176,582,330 | 3,287 |
| Average earning assets | $164,027,670 | 3,268 |
| Average equity | $16,988,330 | 3,546 |
| Average total loans | $142,692,330 | 2,690 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7076% | 1,241 |
| Cost of funding earning assets | 0.2668% | 5,418 |
| Net interest margin | 4.4408% | 738 |
| Noninterest income to average assets | 0.5347% | 3,149 |
| Noninterest expense to average assets | 3.2648% | 2,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3969% | 990 |
| Return on assets (ROA) | 1.3969% | 1,037 |
| Pretax return on assets | 1.3969% | 1,756 |
| Return on Equity (ROE) | 14.6417% | 831 |
| Retained earnings to average equity (ytd only) | 3.9108% | 3,768 |
| Net charge-offs to loans | -0.0901% | 6,084 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0342% | 3,837 |
| Assets per employee ($millions) | 4.7754% | 2,557 |
| Cash dividends to net income (ytd only)* | 73.2899% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 3,316 |
| Loan loss allowance to noncurrent loans | 50.2055% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 2.5372% | 1,248 |
| Noncurrent loans to loans | 2.9150% | 1,115 |
| Net loans and leases to total assets | 79.1470% | 643 |
| Net loans and leases to deposits | 88.7037% | 1,285 |
| Net loans and leases to core deposits | 89.8475% | 1,925 |
| Total domestic deposits to total assets | 89.2263% | 1,516 |
| Equity capital to assets | 9.6112% | 4,337 |
| Core capital (leverage) ratio | 9.8732% | 3,755 |
| Tier 1 risk-based capital ratio | 12.2075% | 5,503 |
| Total risk-based capital ratio | 13.4603% | 5,434 |
| Memoranda: | ||
| Average total assets | $175,814,000 | 3,323 |
| Average earning assets | $163,394,500 | 3,302 |
| Average equity | $16,774,000 | 3,579 |
| Average total loans | $142,037,000 | 2,702 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8362% | 1,236 |
| Cost of funding earning assets | 0.3127% | 5,493 |
| Net interest margin | 4.5235% | 706 |
| Noninterest income to average assets | 0.4995% | 3,760 |
| Noninterest expense to average assets | 3.1243% | 2,659 |
| Loan and lease loss provision to assets | 0.0577% | 3,989 |
| Net operating income to assets | 1.5018% | 821 |
| Return on assets (ROA) | 1.5018% | 860 |
| Pretax return on assets | 1.5018% | 1,443 |
| Return on Equity (ROE) | 16.0194% | 619 |
| Retained earnings to average equity (ytd only) | 6.2575% | 1,818 |
| Net charge-offs to loans | 0.1220% | 3,594 |
| Credit loss provision to net charge-offs | 59.1716% | 3,592 |
| Earnings coverage of net charge-offs (x) | 15.9822% | 1,834 |
| Efficiency ratio | 66.7036% | 4,427 |
| Assets per employee ($millions) | 4.8594% | 2,364 |
| Cash dividends to net income (ytd only)* | 60.9381% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 3,475 |
| Loan loss allowance to noncurrent loans | 59.2067% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 2.1350% | 1,670 |
| Noncurrent loans to loans | 2.4298% | 1,571 |
| Net loans and leases to total assets | 80.0896% | 590 |
| Net loans and leases to deposits | 89.5642% | 1,275 |
| Net loans and leases to core deposits | 90.2543% | 1,994 |
| Total domestic deposits to total assets | 89.4215% | 1,375 |
| Equity capital to assets | 9.4696% | 4,472 |
| Core capital (leverage) ratio | 9.7365% | 3,932 |
| Tier 1 risk-based capital ratio | 12.0148% | 5,605 |
| Total risk-based capital ratio | 13.2674% | 5,540 |
| Memoranda: | ||
| Average total assets | $173,188,400 | 3,362 |
| Average earning assets | $160,206,800 | 3,339 |
| Average equity | $16,236,600 | 3,669 |
| Average total loans | $138,575,000 | 2,727 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8184% | 1,307 |
| Cost of funding earning assets | 0.3172% | 5,579 |
| Net interest margin | 4.5012% | 738 |
| Noninterest income to average assets | 0.4669% | 4,022 |
| Noninterest expense to average assets | 3.0571% | 2,796 |
| Loan and lease loss provision to assets | 0.0772% | 3,517 |
| Net operating income to assets | 1.4942% | 911 |
| Return on assets (ROA) | 1.4942% | 956 |
| Pretax return on assets | 1.4942% | 1,630 |
| Return on Equity (ROE) | 15.9789% | 653 |
| Retained earnings to average equity (ytd only) | 5.0017% | 3,085 |
| Net charge-offs to loans | 0.0019% | 5,181 |
| Credit loss provision to net charge-offs | 5,000.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 1,016.7041% | 44 |
| Efficiency ratio | 66.0497% | 4,467 |
| Assets per employee ($millions) | 4.7598% | 2,491 |
| Cash dividends to net income (ytd only)* | 68.6984% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 3,115 |
| Loan loss allowance to noncurrent loans | 58.4721% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 2.5751% | 1,477 |
| Noncurrent loans to loans | 2.6964% | 1,570 |
| Net loans and leases to total assets | 78.4076% | 707 |
| Net loans and leases to deposits | 87.3415% | 1,450 |
| Net loans and leases to core deposits | 88.0768% | 2,179 |
| Total domestic deposits to total assets | 89.7713% | 1,127 |
| Equity capital to assets | 9.0771% | 5,088 |
| Core capital (leverage) ratio | 9.6726% | 4,138 |
| Tier 1 risk-based capital ratio | 11.7205% | 5,940 |
| Total risk-based capital ratio | 12.9739% | 5,895 |
| Memoranda: | ||
| Average total assets | $172,750,750 | 3,396 |
| Average earning assets | $159,717,000 | 3,379 |
| Average equity | $16,154,250 | 3,717 |
| Average total loans | $137,680,500 | 2,746 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7850% | 1,362 |
| Cost of funding earning assets | 0.3231% | 5,635 |
| Net interest margin | 4.4619% | 761 |
| Noninterest income to average assets | 0.5221% | 3,686 |
| Noninterest expense to average assets | 3.1172% | 2,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5242% | 864 |
| Return on assets (ROA) | 1.5242% | 929 |
| Pretax return on assets | 1.5242% | 1,548 |
| Return on Equity (ROE) | 16.1379% | 648 |
| Retained earnings to average equity (ytd only) | 3.1215% | 4,334 |
| Net charge-offs to loans | 0.0029% | 4,867 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 654.0000% | 62 |
| Efficiency ratio | 67.1604% | 4,330 |
| Assets per employee ($millions) | 4.4350% | 2,921 |
| Cash dividends to net income (ytd only)* | 80.6575% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 3,444 |
| Loan loss allowance to noncurrent loans | 48.0000% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 3.0588% | 1,326 |
| Noncurrent loans to loans | 3.1886% | 1,379 |
| Net loans and leases to total assets | 80.6260% | 475 |
| Net loans and leases to deposits | 90.0809% | 1,135 |
| Net loans and leases to core deposits | 90.9029% | 1,820 |
| Total domestic deposits to total assets | 89.5039% | 1,320 |
| Equity capital to assets | 9.3752% | 4,748 |
| Core capital (leverage) ratio | 9.5336% | 4,189 |
| Tier 1 risk-based capital ratio | 11.8468% | 5,884 |
| Total risk-based capital ratio | 13.1006% | 5,835 |
| Memoranda: | ||
| Average total assets | $171,630,000 | 3,438 |
| Average earning assets | $158,452,670 | 3,422 |
| Average equity | $16,210,330 | 3,737 |
| Average total loans | $136,808,000 | 2,762 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7355% | 1,443 |
| Cost of funding earning assets | 0.3259% | 5,755 |
| Net interest margin | 4.4096% | 791 |
| Noninterest income to average assets | 0.5474% | 3,458 |
| Noninterest expense to average assets | 3.2359% | 2,244 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3743% | 1,092 |
| Return on assets (ROA) | 1.3743% | 1,181 |
| Pretax return on assets | 1.3743% | 1,947 |
| Return on Equity (ROE) | 14.4985% | 862 |
| Retained earnings to average equity (ytd only) | 2.1930% | 4,908 |
| Net charge-offs to loans | -0.0029% | 5,193 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1904% | 3,937 |
| Assets per employee ($millions) | 4.5550% | 2,871 |
| Cash dividends to net income (ytd only)* | 84.8739% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 3,606 |
| Loan loss allowance to noncurrent loans | 47.1467% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 3.0325% | 1,475 |
| Noncurrent loans to loans | 3.2919% | 1,472 |
| Net loans and leases to total assets | 77.5071% | 665 |
| Net loans and leases to deposits | 86.5356% | 1,289 |
| Net loans and leases to core deposits | 86.9721% | 2,015 |
| Total domestic deposits to total assets | 89.5667% | 1,316 |
| Equity capital to assets | 9.4558% | 4,917 |
| Core capital (leverage) ratio | 9.4467% | 4,172 |
| Tier 1 risk-based capital ratio | 11.4276% | 6,223 |
| Total risk-based capital ratio | 12.6810% | 6,194 |
| Memoranda: | ||
| Average total assets | $173,180,000 | 3,445 |
| Average earning assets | $159,562,000 | 3,438 |
| Average equity | $16,415,500 | 3,750 |
| Average total loans | $136,216,500 | 2,788 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1894% | 1,134 |
| Cost of funding earning assets | 0.4212% | 5,779 |
| Net interest margin | 4.7682% | 573 |
| Noninterest income to average assets | 0.5852% | 3,360 |
| Noninterest expense to average assets | 3.1855% | 2,663 |
| Loan and lease loss provision to assets | 0.4180% | 1,527 |
| Net operating income to assets | 1.3620% | 1,170 |
| Return on assets (ROA) | 1.4838% | 1,051 |
| Pretax return on assets | 1.4838% | 1,735 |
| Return on Equity (ROE) | 15.7231% | 701 |
| Retained earnings to average equity (ytd only) | 6.3272% | 1,911 |
| Net charge-offs to loans | 0.1794% | 3,938 |
| Credit loss provision to net charge-offs | 291.6667% | 836 |
| Earnings coverage of net charge-offs (x) | 12.4208% | 1,926 |
| Efficiency ratio | 64.1534% | 4,854 |
| Assets per employee ($millions) | 4.5597% | 2,864 |
| Cash dividends to net income (ytd only)* | 59.7586% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 3,509 |
| Loan loss allowance to noncurrent loans | 33.6839% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 4.1242% | 1,025 |
| Noncurrent loans to loans | 4.6092% | 915 |
| Net loans and leases to total assets | 77.3631% | 750 |
| Net loans and leases to deposits | 86.3599% | 1,468 |
| Net loans and leases to core deposits | 86.6536% | 2,237 |
| Total domestic deposits to total assets | 89.5822% | 1,203 |
| Equity capital to assets | 9.5019% | 4,872 |
| Core capital (leverage) ratio | 9.4658% | 4,156 |
| Tier 1 risk-based capital ratio | 11.8318% | 5,887 |
| Total risk-based capital ratio | 13.0859% | 5,850 |
| Memoranda: | ||
| Average total assets | $167,476,600 | 3,493 |
| Average earning assets | $153,851,600 | 3,487 |
| Average equity | $15,804,800 | 3,810 |
| Average total loans | $133,779,600 | 2,814 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2669% | 1,067 |
| Cost of funding earning assets | 0.4426% | 5,853 |
| Net interest margin | 4.8243% | 542 |
| Noninterest income to average assets | 0.4682% | 4,148 |
| Noninterest expense to average assets | 3.2805% | 2,324 |
| Loan and lease loss provision to assets | 0.4015% | 1,595 |
| Net operating income to assets | 1.2239% | 1,657 |
| Return on assets (ROA) | 1.2239% | 1,831 |
| Pretax return on assets | 1.2239% | 2,896 |
| Return on Equity (ROE) | 12.9920% | 1,342 |
| Retained earnings to average equity (ytd only) | 0.3325% | 5,987 |
| Net charge-offs to loans | 0.2403% | 3,284 |
| Credit loss provision to net charge-offs | 208.3333% | 1,323 |
| Earnings coverage of net charge-offs (x) | 8.4334% | 2,443 |
| Efficiency ratio | 66.8686% | 4,275 |
| Assets per employee ($millions) | 4.5906% | 2,759 |
| Cash dividends to net income (ytd only)* | 97.4409% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 4,241 |
| Loan loss allowance to noncurrent loans | 27.8522% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 4.6505% | 982 |
| Noncurrent loans to loans | 5.1358% | 873 |
| Net loans and leases to total assets | 77.6501% | 770 |
| Net loans and leases to deposits | 86.5824% | 1,533 |
| Net loans and leases to core deposits | 87.0252% | 2,342 |
| Total domestic deposits to total assets | 89.6834% | 1,025 |
| Equity capital to assets | 9.2780% | 5,496 |
| Core capital (leverage) ratio | 9.0732% | 4,959 |
| Tier 1 risk-based capital ratio | 11.1933% | 6,398 |
| Total risk-based capital ratio | 12.4457% | 6,366 |
| Memoranda: | ||
| Average total assets | $166,028,250 | 3,552 |
| Average earning assets | $152,722,750 | 3,535 |
| Average equity | $15,640,000 | 3,874 |
| Average total loans | $133,184,250 | 2,847 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3094% | 1,037 |
| Cost of funding earning assets | 0.4593% | 5,908 |
| Net interest margin | 4.8501% | 517 |
| Noninterest income to average assets | 0.4212% | 4,491 |
| Noninterest expense to average assets | 3.1465% | 2,761 |
| Loan and lease loss provision to assets | 0.3035% | 2,165 |
| Net operating income to assets | 1.4324% | 1,122 |
| Return on assets (ROA) | 1.4324% | 1,258 |
| Pretax return on assets | 1.4324% | 2,078 |
| Return on Equity (ROE) | 15.1279% | 916 |
| Retained earnings to average equity (ytd only) | -0.8333% | 6,186 |
| Net charge-offs to loans | 0.2106% | 3,307 |
| Credit loss provision to net charge-offs | 178.5714% | 1,579 |
| Earnings coverage of net charge-offs (x) | 10.2143% | 2,085 |
| Efficiency ratio | 64.4455% | 4,809 |
| Assets per employee ($millions) | 4.6490% | 2,640 |
| Cash dividends to net income (ytd only)* | 105.5085% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 4,738 |
| Loan loss allowance to noncurrent loans | 36.7730% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 3.6020% | 1,460 |
| Noncurrent loans to loans | 3.6212% | 1,581 |
| Net loans and leases to total assets | 80.3287% | 471 |
| Net loans and leases to deposits | 89.8101% | 1,163 |
| Net loans and leases to core deposits | 90.7718% | 1,899 |
| Total domestic deposits to total assets | 89.4428% | 1,246 |
| Equity capital to assets | 9.5886% | 4,928 |
| Core capital (leverage) ratio | 9.1590% | 4,673 |
| Tier 1 risk-based capital ratio | 11.2481% | 6,370 |
| Total risk-based capital ratio | 12.4988% | 6,349 |
| Memoranda: | ||
| Average total assets | $164,753,330 | 3,592 |
| Average earning assets | $151,543,670 | 3,571 |
| Average equity | $15,600,330 | 3,867 |
| Average total loans | $132,977,330 | 2,875 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4194% | 882 |
| Cost of funding earning assets | 0.4755% | 5,978 |
| Net interest margin | 4.9439% | 439 |
| Noninterest income to average assets | 0.5719% | 3,407 |
| Noninterest expense to average assets | 3.2985% | 2,292 |
| Loan and lease loss provision to assets | 0.2413% | 2,533 |
| Net operating income to assets | 1.5732% | 910 |
| Return on assets (ROA) | 1.5732% | 1,016 |
| Pretax return on assets | 1.5732% | 1,659 |
| Return on Equity (ROE) | 16.7185% | 712 |
| Retained earnings to average equity (ytd only) | -1.3590% | 6,204 |
| Net charge-offs to loans | 0.0300% | 4,266 |
| Credit loss provision to net charge-offs | 1,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 75.2000% | 447 |
| Efficiency ratio | 64.5116% | 4,831 |
| Assets per employee ($millions) | 4.5788% | 2,849 |
| Cash dividends to net income (ytd only)* | 108.1288% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 4,992 |
| Loan loss allowance to noncurrent loans | 28.2201% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 3.8941% | 1,432 |
| Noncurrent loans to loans | 4.6287% | 1,241 |
| Net loans and leases to total assets | 79.9396% | 409 |
| Net loans and leases to deposits | 89.1748% | 1,044 |
| Net loans and leases to core deposits | 90.2676% | 1,824 |
| Total domestic deposits to total assets | 89.6437% | 1,273 |
| Equity capital to assets | 9.4475% | 4,876 |
| Core capital (leverage) ratio | 9.1286% | 4,643 |
| Tier 1 risk-based capital ratio | 11.2551% | 6,414 |
| Total risk-based capital ratio | 12.5056% | 6,394 |
| Memoranda: | ||
| Average total assets | $165,773,000 | 3,585 |
| Average earning assets | $152,268,500 | 3,576 |
| Average equity | $15,599,500 | 3,875 |
| Average total loans | $133,231,000 | 2,883 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5854% | 983 |
| Cost of funding earning assets | 0.6178% | 5,996 |
| Net interest margin | 4.9676% | 439 |
| Noninterest income to average assets | 0.4665% | 4,081 |
| Noninterest expense to average assets | 3.0863% | 3,249 |
| Loan and lease loss provision to assets | 0.4334% | 2,436 |
| Net operating income to assets | 1.5347% | 772 |
| Return on assets (ROA) | 1.5360% | 835 |
| Pretax return on assets | 1.5360% | 1,379 |
| Return on Equity (ROE) | 16.4747% | 539 |
| Retained earnings to average equity (ytd only) | 3.9130% | 3,426 |
| Net charge-offs to loans | 0.6264% | 2,583 |
| Credit loss provision to net charge-offs | 85.0673% | 4,238 |
| Earnings coverage of net charge-offs (x) | 3.8629% | 3,362 |
| Efficiency ratio | 60.8883% | 5,621 |
| Assets per employee ($millions) | 4.6308% | 2,711 |
| Cash dividends to net income (ytd only)* | 76.2485% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 5,211 |
| Loan loss allowance to noncurrent loans | 26.5585% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 3.7634% | 1,544 |
| Noncurrent loans to loans | 4.6815% | 1,262 |
| Net loans and leases to total assets | 78.7570% | 632 |
| Net loans and leases to deposits | 87.7154% | 1,425 |
| Net loans and leases to core deposits | 90.0539% | 2,127 |
| Total domestic deposits to total assets | 89.7870% | 1,107 |
| Equity capital to assets | 9.3732% | 5,055 |
| Core capital (leverage) ratio | 9.2341% | 4,417 |
| Tier 1 risk-based capital ratio | 11.3382% | 6,264 |
| Total risk-based capital ratio | 12.5814% | 6,257 |
| Memoranda: | ||
| Average total assets | $160,355,400 | 3,625 |
| Average earning assets | $148,099,600 | 3,599 |
| Average equity | $14,950,200 | 3,918 |
| Average total loans | $130,429,200 | 2,975 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6645% | 908 |
| Cost of funding earning assets | 0.6520% | 6,023 |
| Net interest margin | 5.0125% | 401 |
| Noninterest income to average assets | 0.4871% | 3,977 |
| Noninterest expense to average assets | 3.1148% | 3,103 |
| Loan and lease loss provision to assets | 0.1302% | 4,804 |
| Net operating income to assets | 1.8845% | 440 |
| Return on assets (ROA) | 1.8862% | 477 |
| Pretax return on assets | 1.8862% | 809 |
| Return on Equity (ROE) | 20.2594% | 291 |
| Retained earnings to average equity (ytd only) | 3.3194% | 4,362 |
| Net charge-offs to loans | -0.0205% | 6,919 |
| Credit loss provision to net charge-offs | -775.0000% | 6,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7236% | 5,602 |
| Assets per employee ($millions) | 4.6182% | 2,730 |
| Cash dividends to net income (ytd only)* | 83.6155% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 4,226 |
| Loan loss allowance to noncurrent loans | 43.1542% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 2.8366% | 2,290 |
| Noncurrent loans to loans | 3.4199% | 2,012 |
| Net loans and leases to total assets | 80.5794% | 460 |
| Net loans and leases to deposits | 89.9807% | 1,213 |
| Net loans and leases to core deposits | 93.0695% | 1,877 |
| Total domestic deposits to total assets | 89.5520% | 1,116 |
| Equity capital to assets | 9.5070% | 5,071 |
| Core capital (leverage) ratio | 9.3412% | 4,392 |
| Tier 1 risk-based capital ratio | 11.3081% | 6,355 |
| Total risk-based capital ratio | 12.5610% | 6,347 |
| Memoranda: | ||
| Average total assets | $158,767,000 | 3,674 |
| Average earning assets | $147,041,500 | 3,648 |
| Average equity | $14,781,250 | 3,964 |
| Average total loans | $129,799,500 | 3,013 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5910% | 1,087 |
| Cost of funding earning assets | 0.6831% | 6,051 |
| Net interest margin | 4.9078% | 484 |
| Noninterest income to average assets | 0.5817% | 3,250 |
| Noninterest expense to average assets | 3.1456% | 3,097 |
| Loan and lease loss provision to assets | 0.0824% | 5,278 |
| Net operating income to assets | 1.8972% | 415 |
| Return on assets (ROA) | 1.8998% | 443 |
| Pretax return on assets | 1.8998% | 711 |
| Return on Equity (ROE) | 20.5540% | 282 |
| Retained earnings to average equity (ytd only) | -1.3712% | 6,130 |
| Net charge-offs to loans | -0.0310% | 6,929 |
| Credit loss provision to net charge-offs | -325.0000% | 6,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3749% | 5,675 |
| Assets per employee ($millions) | 4.5490% | 2,756 |
| Cash dividends to net income (ytd only)* | 106.6711% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 4,341 |
| Loan loss allowance to noncurrent loans | 72.3843% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.7198% | 3,619 |
| Noncurrent loans to loans | 2.0042% | 3,473 |
| Net loans and leases to total assets | 81.7361% | 392 |
| Net loans and leases to deposits | 91.3788% | 1,123 |
| Net loans and leases to core deposits | 93.7082% | 1,934 |
| Total domestic deposits to total assets | 89.4476% | 1,268 |
| Equity capital to assets | 9.5315% | 4,767 |
| Core capital (leverage) ratio | 9.1303% | 4,520 |
| Tier 1 risk-based capital ratio | 11.2529% | 6,352 |
| Total risk-based capital ratio | 12.5057% | 6,344 |
| Memoranda: | ||
| Average total assets | $157,810,000 | 3,716 |
| Average earning assets | $146,092,670 | 3,687 |
| Average equity | $14,586,000 | 3,988 |
| Average total loans | $129,000,000 | 3,056 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4929% | 1,323 |
| Cost of funding earning assets | 0.7107% | 6,079 |
| Net interest margin | 4.7822% | 588 |
| Noninterest income to average assets | 0.7479% | 2,265 |
| Noninterest expense to average assets | 3.0417% | 3,479 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.1307% | 288 |
| Return on assets (ROA) | 2.1307% | 297 |
| Pretax return on assets | 2.1307% | 453 |
| Return on Equity (ROE) | 23.4078% | 199 |
| Retained earnings to average equity (ytd only) | -2.7295% | 6,252 |
| Net charge-offs to loans | -0.0495% | 6,880 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8064% | 6,156 |
| Assets per employee ($millions) | 4.6814% | 2,602 |
| Cash dividends to net income (ytd only)* | 111.6608% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 4,649 |
| Loan loss allowance to noncurrent loans | 71.7661% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.6247% | 3,812 |
| Noncurrent loans to loans | 1.9569% | 3,634 |
| Net loans and leases to total assets | 79.0398% | 616 |
| Net loans and leases to deposits | 87.8350% | 1,485 |
| Net loans and leases to core deposits | 90.1034% | 2,335 |
| Total domestic deposits to total assets | 89.9867% | 1,154 |
| Equity capital to assets | 9.1067% | 5,034 |
| Core capital (leverage) ratio | 9.0418% | 4,551 |
| Tier 1 risk-based capital ratio | 11.2828% | 6,271 |
| Total risk-based capital ratio | 12.5349% | 6,250 |
| Memoranda: | ||
| Average total assets | $159,382,000 | 3,719 |
| Average earning assets | $147,463,000 | 3,686 |
| Average equity | $14,508,000 | 3,991 |
| Average total loans | $129,360,500 | 3,076 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9571% | 931 |
| Cost of funding earning assets | 1.0230% | 5,576 |
| Net interest margin | 4.9341% | 504 |
| Noninterest income to average assets | 0.4466% | 4,546 |
| Noninterest expense to average assets | 3.0403% | 3,694 |
| Loan and lease loss provision to assets | 0.3918% | 3,765 |
| Net operating income to assets | 1.5533% | 682 |
| Return on assets (ROA) | 1.5533% | 743 |
| Pretax return on assets | 1.5533% | 1,236 |
| Return on Equity (ROE) | 17.7263% | 399 |
| Retained earnings to average equity (ytd only) | 12.8039% | 221 |
| Net charge-offs to loans | 0.3571% | 4,229 |
| Credit loss provision to net charge-offs | 128.3925% | 3,122 |
| Earnings coverage of net charge-offs (x) | 6.3737% | 2,372 |
| Efficiency ratio | 60.9840% | 5,897 |
| Assets per employee ($millions) | 4.8362% | 2,371 |
| Cash dividends to net income (ytd only)* | 27.7687% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 4,724 |
| Loan loss allowance to noncurrent loans | 77.0499% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.5000% | 4,066 |
| Noncurrent loans to loans | 1.7579% | 3,870 |
| Net loans and leases to total assets | 81.0465% | 535 |
| Net loans and leases to deposits | 90.0074% | 1,517 |
| Net loans and leases to core deposits | 92.3188% | 2,463 |
| Total domestic deposits to total assets | 90.0442% | 1,075 |
| Equity capital to assets | 9.0986% | 4,993 |
| Core capital (leverage) ratio | 9.0047% | 4,545 |
| Tier 1 risk-based capital ratio | 11.2017% | 6,182 |
| Total risk-based capital ratio | 12.4533% | 6,156 |
| Memoranda: | ||
| Average total assets | $156,957,400 | 3,760 |
| Average earning assets | $144,383,000 | 3,735 |
| Average equity | $13,753,600 | 4,198 |
| Average total loans | $134,134,800 | 3,052 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0013% | 933 |
| Cost of funding earning assets | 1.0816% | 5,540 |
| Net interest margin | 4.9197% | 534 |
| Noninterest income to average assets | 0.4334% | 4,687 |
| Noninterest expense to average assets | 2.9533% | 3,913 |
| Loan and lease loss provision to assets | 0.3881% | 3,568 |
| Net operating income to assets | 1.6123% | 732 |
| Return on assets (ROA) | 1.6123% | 802 |
| Pretax return on assets | 1.6123% | 1,320 |
| Return on Equity (ROE) | 18.5812% | 426 |
| Retained earnings to average equity (ytd only) | 11.9254% | 470 |
| Net charge-offs to loans | 0.0474% | 6,051 |
| Credit loss provision to net charge-offs | 947.9167% | 305 |
| Earnings coverage of net charge-offs (x) | 48.8530% | 574 |
| Efficiency ratio | 59.6177% | 6,010 |
| Assets per employee ($millions) | 4.7807% | 2,474 |
| Cash dividends to net income (ytd only)* | 35.8199% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 3,862 |
| Loan loss allowance to noncurrent loans | 65.6090% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 2.1729% | 3,245 |
| Noncurrent loans to loans | 2.3181% | 3,322 |
| Net loans and leases to total assets | 84.0147% | 330 |
| Net loans and leases to deposits | 94.6567% | 1,133 |
| Net loans and leases to core deposits | 97.3072% | 2,115 |
| Total domestic deposits to total assets | 88.7573% | 1,531 |
| Equity capital to assets | 9.0407% | 5,523 |
| Core capital (leverage) ratio | 8.8911% | 4,861 |
| Tier 1 risk-based capital ratio | 10.6175% | 6,695 |
| Total risk-based capital ratio | 11.8711% | 6,681 |
| Memoranda: | ||
| Average total assets | $156,297,750 | 3,825 |
| Average earning assets | $143,608,750 | 3,803 |
| Average equity | $13,561,750 | 4,315 |
| Average total loans | $134,887,750 | 3,081 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9952% | 963 |
| Cost of funding earning assets | 1.1288% | 5,530 |
| Net interest margin | 4.8663% | 580 |
| Noninterest income to average assets | 0.4480% | 4,534 |
| Noninterest expense to average assets | 2.9908% | 3,746 |
| Loan and lease loss provision to assets | 0.4814% | 2,899 |
| Net operating income to assets | 1.4415% | 1,009 |
| Return on assets (ROA) | 1.4415% | 1,078 |
| Pretax return on assets | 1.4415% | 1,721 |
| Return on Equity (ROE) | 16.8517% | 591 |
| Retained earnings to average equity (ytd only) | 10.5492% | 737 |
| Net charge-offs to loans | 0.0889% | 5,247 |
| Credit loss provision to net charge-offs | 625.0000% | 582 |
| Earnings coverage of net charge-offs (x) | 24.9667% | 1,051 |
| Efficiency ratio | 60.8673% | 5,883 |
| Assets per employee ($millions) | 4.4553% | 2,953 |
| Cash dividends to net income (ytd only)* | 37.3998% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 4,265 |
| Loan loss allowance to noncurrent loans | 60.3768% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 2.1887% | 3,270 |
| Noncurrent loans to loans | 2.3770% | 3,282 |
| Net loans and leases to total assets | 86.1027% | 225 |
| Net loans and leases to deposits | 96.8611% | 969 |
| Net loans and leases to core deposits | 99.2842% | 2,090 |
| Total domestic deposits to total assets | 88.8930% | 1,499 |
| Equity capital to assets | 8.7612% | 5,798 |
| Core capital (leverage) ratio | 8.5755% | 5,286 |
| Tier 1 risk-based capital ratio | 10.1345% | 6,948 |
| Total risk-based capital ratio | 11.3266% | 6,959 |
| Memoranda: | ||
| Average total assets | $155,809,000 | 3,863 |
| Average earning assets | $142,982,000 | 3,841 |
| Average equity | $13,328,000 | 4,368 |
| Average total loans | $134,986,330 | 3,103 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9976% | 986 |
| Cost of funding earning assets | 1.1704% | 5,551 |
| Net interest margin | 4.8272% | 606 |
| Noninterest income to average assets | 0.4905% | 4,122 |
| Noninterest expense to average assets | 2.8380% | 4,329 |
| Loan and lease loss provision to assets | 0.7320% | 1,738 |
| Net operating income to assets | 1.3484% | 1,189 |
| Return on assets (ROA) | 1.3484% | 1,260 |
| Pretax return on assets | 1.3484% | 1,908 |
| Return on Equity (ROE) | 15.9562% | 727 |
| Retained earnings to average equity (ytd only) | 15.9562% | 346 |
| Net charge-offs to loans | -0.0298% | 7,193 |
| Credit loss provision to net charge-offs | -2,850.0000% | 6,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7023% | 6,532 |
| Assets per employee ($millions) | 4.4792% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 4,219 |
| Loan loss allowance to noncurrent loans | 72.3094% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.8186% | 3,755 |
| Noncurrent loans to loans | 1.9886% | 3,802 |
| Net loans and leases to total assets | 84.6024% | 322 |
| Net loans and leases to deposits | 96.0719% | 1,097 |
| Net loans and leases to core deposits | 101.4340% | 1,978 |
| Total domestic deposits to total assets | 88.0616% | 2,025 |
| Equity capital to assets | 8.5756% | 5,904 |
| Core capital (leverage) ratio | 8.4558% | 5,456 |
| Tier 1 risk-based capital ratio | 10.0493% | 6,996 |
| Total risk-based capital ratio | 11.3018% | 6,990 |
| Memoranda: | ||
| Average total assets | $155,745,000 | 3,911 |
| Average earning assets | $142,858,000 | 3,892 |
| Average equity | $13,161,000 | 4,440 |
| Average total loans | $134,369,000 | 3,182 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1035% | 1,507 |
| Cost of funding earning assets | 1.5795% | 5,132 |
| Net interest margin | 4.5239% | 1,123 |
| Noninterest income to average assets | 0.5135% | 4,305 |
| Noninterest expense to average assets | 3.0421% | 3,981 |
| Loan and lease loss provision to assets | 0.6402% | 3,238 |
| Net operating income to assets | 0.9779% | 1,914 |
| Return on assets (ROA) | 0.9779% | 1,966 |
| Pretax return on assets | 0.9779% | 2,664 |
| Return on Equity (ROE) | 11.9287% | 1,180 |
| Retained earnings to average equity (ytd only) | -1.7777% | 5,458 |
| Net charge-offs to loans | 0.3465% | 4,500 |
| Credit loss provision to net charge-offs | 213.6364% | 1,797 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 2,612 |
| Efficiency ratio | 65.2784% | 5,542 |
| Assets per employee ($millions) | 4.5506% | 2,834 |
| Cash dividends to net income (ytd only)* | 114.9025% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 5,227 |
| Loan loss allowance to noncurrent loans | 50.5705% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 2.2092% | 3,116 |
| Noncurrent loans to loans | 2.4171% | 3,140 |
| Net loans and leases to total assets | 85.6592% | 302 |
| Net loans and leases to deposits | 98.2570% | 1,074 |
| Net loans and leases to core deposits | 112.8903% | 2,611 |
| Total domestic deposits to total assets | 87.1787% | 2,398 |
| Equity capital to assets | 8.3235% | 6,165 |
| Core capital (leverage) ratio | 8.3077% | 5,597 |
| Tier 1 risk-based capital ratio | 9.7776% | 7,040 |
| Total risk-based capital ratio | 11.0282% | 7,027 |
| Memoranda: | ||
| Average total assets | $146,838,800 | 4,001 |
| Average earning assets | $134,595,800 | 4,001 |
| Average equity | $12,038,200 | 4,739 |
| Average total loans | $126,978,400 | 3,331 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1273% | 1,559 |
| Cost of funding earning assets | 1.6525% | 5,151 |
| Net interest margin | 4.4749% | 1,257 |
| Noninterest income to average assets | 0.5034% | 4,453 |
| Noninterest expense to average assets | 2.9893% | 4,092 |
| Loan and lease loss provision to assets | 0.2899% | 4,657 |
| Net operating income to assets | 1.3290% | 1,161 |
| Return on assets (ROA) | 1.3290% | 1,226 |
| Pretax return on assets | 1.3290% | 1,881 |
| Return on Equity (ROE) | 16.2770% | 622 |
| Retained earnings to average equity (ytd only) | -2.3221% | 5,783 |
| Net charge-offs to loans | -0.0234% | 7,779 |
| Credit loss provision to net charge-offs | -1,431.8182% | 7,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8692% | 5,573 |
| Assets per employee ($millions) | 4.7070% | 2,543 |
| Cash dividends to net income (ytd only)* | 114.2659% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 5,571 |
| Loan loss allowance to noncurrent loans | 55.0503% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 1.8901% | 3,525 |
| Noncurrent loans to loans | 2.0414% | 3,575 |
| Net loans and leases to total assets | 86.2763% | 326 |
| Net loans and leases to deposits | 98.4813% | 1,268 |
| Net loans and leases to core deposits | 114.2576% | 2,805 |
| Total domestic deposits to total assets | 87.6068% | 1,844 |
| Equity capital to assets | 8.2371% | 6,585 |
| Core capital (leverage) ratio | 8.0712% | 6,236 |
| Tier 1 risk-based capital ratio | 9.4632% | 7,400 |
| Total risk-based capital ratio | 10.6151% | 7,431 |
| Memoranda: | ||
| Average total assets | $144,868,750 | 4,061 |
| Average earning assets | $132,887,250 | 4,056 |
| Average equity | $11,828,250 | 4,838 |
| Average total loans | $125,180,250 | 3,400 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1552% | 1,607 |
| Cost of funding earning assets | 1.7023% | 5,262 |
| Net interest margin | 4.4529% | 1,282 |
| Noninterest income to average assets | 0.4631% | 4,756 |
| Noninterest expense to average assets | 2.9703% | 4,206 |
| Loan and lease loss provision to assets | 0.3288% | 3,968 |
| Net operating income to assets | 1.2410% | 1,382 |
| Return on assets (ROA) | 1.2410% | 1,459 |
| Pretax return on assets | 1.2410% | 2,191 |
| Return on Equity (ROE) | 15.2467% | 790 |
| Retained earnings to average equity (ytd only) | -13.1152% | 7,121 |
| Net charge-offs to loans | -0.0211% | 7,708 |
| Credit loss provision to net charge-offs | -1,807.6923% | 7,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4237% | 5,639 |
| Assets per employee ($millions) | 4.5921% | 2,621 |
| Cash dividends to net income (ytd only)* | 186.0203% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 5,691 |
| Loan loss allowance to noncurrent loans | 51.4265% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 1.9483% | 3,272 |
| Noncurrent loans to loans | 2.1115% | 3,366 |
| Net loans and leases to total assets | 86.0425% | 375 |
| Net loans and leases to deposits | 97.5534% | 1,594 |
| Net loans and leases to core deposits | 112.3706% | 3,094 |
| Total domestic deposits to total assets | 88.2004% | 1,667 |
| Equity capital to assets | 7.9676% | 6,789 |
| Core capital (leverage) ratio | 8.0319% | 6,269 |
| Tier 1 risk-based capital ratio | 9.2380% | 7,579 |
| Total risk-based capital ratio | 10.3454% | 7,658 |
| Memoranda: | ||
| Average total assets | $142,950,670 | 4,114 |
| Average earning assets | $130,881,670 | 4,118 |
| Average equity | $11,635,330 | 4,904 |
| Average total loans | $123,097,330 | 3,470 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1791% | 1,662 |
| Cost of funding earning assets | 1.7588% | 5,318 |
| Net interest margin | 4.4203% | 1,302 |
| Noninterest income to average assets | 0.2355% | 6,574 |
| Noninterest expense to average assets | 2.6278% | 5,335 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6516% | 709 |
| Return on assets (ROA) | 1.6516% | 781 |
| Pretax return on assets | 1.6516% | 1,286 |
| Return on Equity (ROE) | 20.0707% | 416 |
| Retained earnings to average equity (ytd only) | -60.9708% | 8,074 |
| Net charge-offs to loans | -0.0232% | 7,479 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4058% | 6,176 |
| Assets per employee ($millions) | 4.4014% | 2,883 |
| Cash dividends to net income (ytd only)* | 403.7801% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 6,511 |
| Loan loss allowance to noncurrent loans | 55.0648% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 1.5954% | 3,525 |
| Noncurrent loans to loans | 1.7207% | 3,680 |
| Net loans and leases to total assets | 85.1369% | 532 |
| Net loans and leases to deposits | 94.3245% | 2,217 |
| Net loans and leases to core deposits | 105.3042% | 3,992 |
| Total domestic deposits to total assets | 90.2595% | 692 |
| Equity capital to assets | 7.6233% | 7,246 |
| Core capital (leverage) ratio | 7.4506% | 7,217 |
| Tier 1 risk-based capital ratio | 8.8195% | 7,872 |
| Total risk-based capital ratio | 9.7762% | 7,980 |
| Memoranda: | ||
| Average total assets | $140,953,000 | 4,171 |
| Average earning assets | $128,950,000 | 4,176 |
| Average equity | $11,599,000 | 4,958 |
| Average total loans | $120,734,000 | 3,538 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6711% | 2,147 |
| Cost of funding earning assets | 2.2204% | 5,507 |
| Net interest margin | 4.4507% | 1,535 |
| Noninterest income to average assets | 2.6180% | 240 |
| Noninterest expense to average assets | 2.9445% | 4,279 |
| Loan and lease loss provision to assets | 0.2406% | 4,498 |
| Net operating income to assets | 3.4457% | 49 |
| Return on assets (ROA) | 3.4457% | 50 |
| Pretax return on assets | 3.4457% | 75 |
| Return on Equity (ROE) | 37.8122% | 20 |
| Retained earnings to average equity (ytd only) | 7.1091% | 1,118 |
| Net charge-offs to loans | 0.1574% | 4,626 |
| Credit loss provision to net charge-offs | 183.6158% | 2,712 |
| Earnings coverage of net charge-offs (x) | 28.1299% | 1,224 |
| Efficiency ratio | 44.4060% | 7,998 |
| Assets per employee ($millions) | 4.4082% | 2,776 |
| Cash dividends to net income (ytd only)* | 81.1990% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9468% | 6,412 |
| Loan loss allowance to noncurrent loans | 58.3717% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 1.5008% | 3,216 |
| Noncurrent loans to loans | 1.6220% | 3,335 |
| Net loans and leases to total assets | 84.5521% | 798 |
| Net loans and leases to deposits | 98.0928% | 2,114 |
| Net loans and leases to core deposits | 108.6149% | 3,898 |
| Total domestic deposits to total assets | 86.1960% | 2,318 |
| Equity capital to assets | 8.8338% | 5,595 |
| Core capital (leverage) ratio | 8.8174% | 5,013 |
| Tier 1 risk-based capital ratio | 10.4253% | 6,289 |
| Total risk-based capital ratio | 11.3883% | 6,451 |
| Memoranda: | ||
| Average total assets | $135,066,600 | 4,182 |
| Average earning assets | $121,779,400 | 4,218 |
| Average equity | $12,308,200 | 4,756 |
| Average total loans | $112,436,800 | 3,626 |