Home > Post Oak Bank, N.A. > Performance and Condition Ratios
Post Oak Bank, N.A., 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 | 4.9230% | 1,112 |
| Cost of funding earning assets | 0.7627% | 1,520 |
| Net interest margin | 4.1602% | 1,466 |
| Noninterest income to average assets | 0.2167% | 4,671 |
| Noninterest expense to average assets | 2.2531% | 4,207 |
| Loan and lease loss provision to assets | 0.0231% | 3,557 |
| Net operating income to assets | 1.4048% | 1,468 |
| Return on assets (ROA) | 1.4048% | 1,466 |
| Pretax return on assets | 1.7707% | 1,087 |
| Return on Equity (ROE) | 12.6444% | 1,564 |
| Retained earnings to average equity (ytd only) | 6.4111% | 2,427 |
| Net charge-offs to loans | 0.0758% | 1,768 |
| Credit loss provision to net charge-offs | 37.8215% | 2,919 |
| Earnings coverage of net charge-offs (x) | 29.3904% | 1,633 |
| Efficiency ratio | 54.7686% | 4,529 |
| Assets per employee ($millions) | 7.9548% | 663 |
| Cash dividends to net income (ytd only)* | 49.2967% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 3,864 |
| Loan loss allowance to noncurrent loans | 583.8693% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 3,509 |
| Noncurrent loans to loans | 0.1686% | 4,134 |
| Net loans and leases to total assets | 78.5415% | 1,243 |
| Net loans and leases to deposits | 90.3429% | 1,848 |
| Net loans and leases to core deposits | 108.1332% | 1,161 |
| Total domestic deposits to total assets | 86.9371% | 1,760 |
| Equity capital to assets | 10.9015% | 2,751 |
| Core capital (leverage) ratio | 10.7392% | 2,851 |
| Tier 1 risk-based capital ratio | 12.9897% | 3,914 |
| Total risk-based capital ratio | 13.9528% | 3,979 |
| Memoranda: | ||
| Average total assets | $1,443,979,000 | 557 |
| Average earning assets | $1,329,411,250 | 552 |
| Average equity | $160,426,000 | 538 |
| Average total loans | $1,161,959,250 | 494 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8557% | 1,117 |
| Cost of funding earning assets | 0.6721% | 1,799 |
| Net interest margin | 4.1836% | 1,326 |
| Noninterest income to average assets | 0.2043% | 4,795 |
| Noninterest expense to average assets | 2.1597% | 4,467 |
| Loan and lease loss provision to assets | 0.0350% | 3,212 |
| Net operating income to assets | 1.4960% | 1,174 |
| Return on assets (ROA) | 1.4960% | 1,167 |
| Pretax return on assets | 1.8912% | 787 |
| Return on Equity (ROE) | 13.3778% | 1,245 |
| Retained earnings to average equity (ytd only) | 13.3778% | 330 |
| Net charge-offs to loans | 0.1189% | 1,218 |
| Credit loss provision to net charge-offs | 36.3901% | 2,590 |
| Earnings coverage of net charge-offs (x) | 20.0393% | 1,828 |
| Efficiency ratio | 51.9536% | 4,895 |
| Assets per employee ($millions) | 7.4011% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 3,923 |
| Loan loss allowance to noncurrent loans | 1,268.3807% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.3051% | 3,541 |
| Noncurrent loans to loans | 0.0778% | 4,565 |
| Net loans and leases to total assets | 81.3920% | 794 |
| Net loans and leases to deposits | 94.4387% | 1,308 |
| Net loans and leases to core deposits | 113.7488% | 802 |
| Total domestic deposits to total assets | 86.1849% | 2,196 |
| Equity capital to assets | 11.5641% | 2,151 |
| Core capital (leverage) ratio | 11.2854% | 2,270 |
| Tier 1 risk-based capital ratio | 13.4571% | 3,642 |
| Total risk-based capital ratio | 14.4350% | 3,716 |
| Memoranda: | ||
| Average total assets | $1,429,456,000 | 561 |
| Average earning assets | $1,326,273,670 | 556 |
| Average equity | $159,846,330 | 539 |
| Average total loans | $1,155,958,330 | 494 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 1,303 |
| Cost of funding earning assets | 0.5985% | 2,065 |
| Net interest margin | 4.1044% | 1,428 |
| Noninterest income to average assets | 0.2020% | 4,817 |
| Noninterest expense to average assets | 2.1466% | 4,540 |
| Loan and lease loss provision to assets | 0.0699% | 2,364 |
| Net operating income to assets | 1.4204% | 1,285 |
| Return on assets (ROA) | 1.4204% | 1,290 |
| Pretax return on assets | 1.7914% | 927 |
| Return on Equity (ROE) | 12.9230% | 1,288 |
| Retained earnings to average equity (ytd only) | 12.9230% | 534 |
| Net charge-offs to loans | 0.0994% | 1,191 |
| Credit loss provision to net charge-offs | 87.7193% | 1,683 |
| Earnings coverage of net charge-offs (x) | 23.3474% | 1,384 |
| Efficiency ratio | 52.6382% | 4,916 |
| Assets per employee ($millions) | 7.4133% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 3,689 |
| Loan loss allowance to noncurrent loans | 241.8834% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.5656% | 2,628 |
| Noncurrent loans to loans | 0.4325% | 3,237 |
| Net loans and leases to total assets | 79.3050% | 1,033 |
| Net loans and leases to deposits | 91.1720% | 1,538 |
| Net loans and leases to core deposits | 109.9035% | 1,013 |
| Total domestic deposits to total assets | 86.9839% | 2,130 |
| Equity capital to assets | 11.1551% | 2,425 |
| Core capital (leverage) ratio | 11.0028% | 2,434 |
| Tier 1 risk-based capital ratio | 13.3640% | 3,738 |
| Total risk-based capital ratio | 14.4062% | 3,777 |
| Memoranda: | ||
| Average total assets | $1,429,974,000 | 562 |
| Average earning assets | $1,325,999,500 | 558 |
| Average equity | $157,177,500 | 547 |
| Average total loans | $1,146,831,500 | 502 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8196% | 940 |
| Cost of funding earning assets | 0.4761% | 2,536 |
| Net interest margin | 4.3435% | 873 |
| Noninterest income to average assets | 0.2610% | 4,577 |
| Noninterest expense to average assets | 2.3464% | 4,216 |
| Loan and lease loss provision to assets | 0.0615% | 3,002 |
| Net operating income to assets | 1.2580% | 1,332 |
| Return on assets (ROA) | 1.2580% | 1,358 |
| Pretax return on assets | 1.9045% | 598 |
| Return on Equity (ROE) | 11.6480% | 1,305 |
| Retained earnings to average equity (ytd only) | 9.8455% | 376 |
| Net charge-offs to loans | -0.0001% | 4,466 |
| Credit loss provision to net charge-offs | -79,000.0000% | 5,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7199% | 4,970 |
| Assets per employee ($millions) | 7.6813% | 707 |
| Cash dividends to net income (ytd only)* | 15.4751% | 3,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 3,630 |
| Loan loss allowance to noncurrent loans | 274.0943% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 3,656 |
| Noncurrent loans to loans | 0.3826% | 3,381 |
| Net loans and leases to total assets | 79.4401% | 1,045 |
| Net loans and leases to deposits | 90.4155% | 1,723 |
| Net loans and leases to core deposits | 108.4147% | 1,103 |
| Total domestic deposits to total assets | 87.8611% | 1,575 |
| Equity capital to assets | 10.7070% | 2,939 |
| Core capital (leverage) ratio | 10.4863% | 2,854 |
| Tier 1 risk-based capital ratio | 12.8500% | 4,003 |
| Total risk-based capital ratio | 13.9001% | 4,008 |
| Memoranda: | ||
| Average total assets | $1,284,140,800 | 596 |
| Average earning assets | $1,197,810,600 | 587 |
| Average equity | $138,693,200 | 588 |
| Average total loans | $1,049,620,200 | 516 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8277% | 876 |
| Cost of funding earning assets | 0.4521% | 2,698 |
| Net interest margin | 4.3756% | 768 |
| Noninterest income to average assets | 0.2751% | 4,541 |
| Noninterest expense to average assets | 2.3778% | 4,072 |
| Loan and lease loss provision to assets | 0.0844% | 2,405 |
| Net operating income to assets | 1.2643% | 1,454 |
| Return on assets (ROA) | 1.2643% | 1,487 |
| Pretax return on assets | 1.8963% | 691 |
| Return on Equity (ROE) | 11.6769% | 1,433 |
| Retained earnings to average equity (ytd only) | 9.2101% | 786 |
| Net charge-offs to loans | 0.0007% | 3,780 |
| Credit loss provision to net charge-offs | 15,800.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 3,706.0540% | 17 |
| Efficiency ratio | 53.9427% | 4,940 |
| Assets per employee ($millions) | 7.4721% | 774 |
| Cash dividends to net income (ytd only)* | 21.1256% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 3,673 |
| Loan loss allowance to noncurrent loans | 288.6915% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 3,865 |
| Noncurrent loans to loans | 0.3703% | 3,627 |
| Net loans and leases to total assets | 80.5067% | 915 |
| Net loans and leases to deposits | 91.6867% | 1,606 |
| Net loans and leases to core deposits | 110.4642% | 997 |
| Total domestic deposits to total assets | 87.8063% | 1,466 |
| Equity capital to assets | 10.7802% | 3,085 |
| Core capital (leverage) ratio | 10.5816% | 2,901 |
| Tier 1 risk-based capital ratio | 12.6965% | 4,207 |
| Total risk-based capital ratio | 13.7613% | 4,220 |
| Memoranda: | ||
| Average total assets | $1,247,997,250 | 610 |
| Average earning assets | $1,164,673,000 | 602 |
| Average equity | $135,123,500 | 612 |
| Average total loans | $1,025,274,750 | 531 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7746% | 908 |
| Cost of funding earning assets | 0.4109% | 2,970 |
| Net interest margin | 4.3637% | 748 |
| Noninterest income to average assets | 0.3211% | 4,256 |
| Noninterest expense to average assets | 2.4378% | 3,947 |
| Loan and lease loss provision to assets | 0.1064% | 1,914 |
| Net operating income to assets | 1.2661% | 1,387 |
| Return on assets (ROA) | 1.2661% | 1,416 |
| Pretax return on assets | 1.8728% | 704 |
| Return on Equity (ROE) | 11.6743% | 1,396 |
| Retained earnings to average equity (ytd only) | 7.8426% | 1,225 |
| Net charge-offs to loans | 0.0016% | 3,461 |
| Credit loss provision to net charge-offs | 8,000.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 1,488.3750% | 37 |
| Efficiency ratio | 54.6081% | 4,965 |
| Assets per employee ($millions) | 7.0494% | 910 |
| Cash dividends to net income (ytd only)* | 32.8213% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,665 |
| Loan loss allowance to noncurrent loans | 235.6292% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 3,607 |
| Noncurrent loans to loans | 0.4606% | 3,363 |
| Net loans and leases to total assets | 80.7721% | 837 |
| Net loans and leases to deposits | 91.8446% | 1,519 |
| Net loans and leases to core deposits | 112.5034% | 876 |
| Total domestic deposits to total assets | 87.9443% | 1,482 |
| Equity capital to assets | 10.8060% | 3,027 |
| Core capital (leverage) ratio | 10.7268% | 2,678 |
| Tier 1 risk-based capital ratio | 12.6187% | 4,231 |
| Total risk-based capital ratio | 13.6956% | 4,219 |
| Memoranda: | ||
| Average total assets | $1,203,218,330 | 630 |
| Average earning assets | $1,129,361,670 | 618 |
| Average equity | $130,492,000 | 632 |
| Average total loans | $992,067,670 | 546 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6410% | 1,044 |
| Cost of funding earning assets | 0.3916% | 3,087 |
| Net interest margin | 4.2493% | 886 |
| Noninterest income to average assets | 0.2375% | 4,841 |
| Noninterest expense to average assets | 2.4526% | 3,955 |
| Loan and lease loss provision to assets | 0.0705% | 2,398 |
| Net operating income to assets | 1.1241% | 1,776 |
| Return on assets (ROA) | 1.1241% | 1,812 |
| Pretax return on assets | 1.7136% | 976 |
| Return on Equity (ROE) | 10.3428% | 1,804 |
| Retained earnings to average equity (ytd only) | 2.2372% | 4,245 |
| Net charge-offs to loans | 0.0076% | 2,705 |
| Credit loss provision to net charge-offs | 1,111.1111% | 284 |
| Earnings coverage of net charge-offs (x) | 281.2778% | 212 |
| Efficiency ratio | 57.3817% | 4,792 |
| Assets per employee ($millions) | 7.0033% | 955 |
| Cash dividends to net income (ytd only)* | 78.3699% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 3,173 |
| Loan loss allowance to noncurrent loans | 203.9464% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.5357% | 3,086 |
| Noncurrent loans to loans | 0.5853% | 3,053 |
| Net loans and leases to total assets | 82.8191% | 479 |
| Net loans and leases to deposits | 93.1415% | 1,206 |
| Net loans and leases to core deposits | 106.1168% | 1,089 |
| Total domestic deposits to total assets | 88.9175% | 1,185 |
| Equity capital to assets | 10.8432% | 2,809 |
| Core capital (leverage) ratio | 10.5713% | 2,821 |
| Tier 1 risk-based capital ratio | 12.0676% | 4,669 |
| Total risk-based capital ratio | 13.2253% | 4,634 |
| Memoranda: | ||
| Average total assets | $1,135,137,500 | 664 |
| Average earning assets | $1,068,312,000 | 644 |
| Average equity | $123,371,000 | 670 |
| Average total loans | $941,243,000 | 579 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6808% | 1,097 |
| Cost of funding earning assets | 0.4037% | 2,966 |
| Net interest margin | 4.2771% | 966 |
| Noninterest income to average assets | 0.2235% | 5,074 |
| Noninterest expense to average assets | 2.4425% | 4,182 |
| Loan and lease loss provision to assets | 0.1758% | 1,372 |
| Net operating income to assets | 1.0606% | 2,087 |
| Return on assets (ROA) | 1.0606% | 2,192 |
| Pretax return on assets | 1.5978% | 1,290 |
| Return on Equity (ROE) | 10.0362% | 1,946 |
| Retained earnings to average equity (ytd only) | 10.0362% | 401 |
| Net charge-offs to loans | 0.0677% | 2,729 |
| Credit loss provision to net charge-offs | 321.5815% | 930 |
| Earnings coverage of net charge-offs (x) | 32.4366% | 1,363 |
| Efficiency ratio | 57.4121% | 4,915 |
| Assets per employee ($millions) | 6.7589% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 3,034 |
| Loan loss allowance to noncurrent loans | 213.5068% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.5627% | 3,046 |
| Noncurrent loans to loans | 0.5687% | 3,136 |
| Net loans and leases to total assets | 81.0122% | 736 |
| Net loans and leases to deposits | 90.9876% | 1,580 |
| Net loans and leases to core deposits | 103.7079% | 1,303 |
| Total domestic deposits to total assets | 89.0365% | 1,101 |
| Equity capital to assets | 10.8938% | 2,719 |
| Core capital (leverage) ratio | 10.3680% | 3,031 |
| Tier 1 risk-based capital ratio | 12.5243% | 4,362 |
| Total risk-based capital ratio | 13.7127% | 4,290 |
| Memoranda: | ||
| Average total assets | $1,110,072,400 | 648 |
| Average earning assets | $1,036,229,200 | 638 |
| Average equity | $117,305,600 | 681 |
| Average total loans | $897,136,400 | 564 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 1,160 |
| Cost of funding earning assets | 0.4019% | 3,005 |
| Net interest margin | 4.2593% | 1,007 |
| Noninterest income to average assets | 0.2272% | 5,109 |
| Noninterest expense to average assets | 2.4255% | 4,208 |
| Loan and lease loss provision to assets | 0.2113% | 999 |
| Net operating income to assets | 1.0313% | 2,285 |
| Return on assets (ROA) | 1.0313% | 2,413 |
| Pretax return on assets | 1.5648% | 1,483 |
| Return on Equity (ROE) | 9.8365% | 2,122 |
| Retained earnings to average equity (ytd only) | 9.8365% | 603 |
| Net charge-offs to loans | 0.0475% | 2,692 |
| Credit loss provision to net charge-offs | 552.6814% | 654 |
| Earnings coverage of net charge-offs (x) | 46.4507% | 1,131 |
| Efficiency ratio | 57.2056% | 4,931 |
| Assets per employee ($millions) | 6.9132% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,875 |
| Loan loss allowance to noncurrent loans | 194.0229% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.5233% | 3,361 |
| Noncurrent loans to loans | 0.6510% | 3,068 |
| Net loans and leases to total assets | 77.6359% | 1,257 |
| Net loans and leases to deposits | 86.9678% | 2,142 |
| Net loans and leases to core deposits | 98.8024% | 1,746 |
| Total domestic deposits to total assets | 89.2698% | 766 |
| Equity capital to assets | 10.5563% | 3,505 |
| Core capital (leverage) ratio | 10.4020% | 3,108 |
| Tier 1 risk-based capital ratio | 12.5129% | 4,463 |
| Total risk-based capital ratio | 13.7430% | 4,378 |
| Memoranda: | ||
| Average total assets | $1,105,408,000 | 651 |
| Average earning assets | $1,031,435,000 | 638 |
| Average equity | $115,891,500 | 690 |
| Average total loans | $890,008,500 | 565 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6669% | 1,125 |
| Cost of funding earning assets | 0.4004% | 3,043 |
| Net interest margin | 4.2665% | 989 |
| Noninterest income to average assets | 0.2352% | 5,077 |
| Noninterest expense to average assets | 2.4554% | 4,162 |
| Loan and lease loss provision to assets | 0.2472% | 787 |
| Net operating income to assets | 1.0023% | 2,388 |
| Return on assets (ROA) | 1.0023% | 2,521 |
| Pretax return on assets | 1.5199% | 1,611 |
| Return on Equity (ROE) | 9.5835% | 2,238 |
| Retained earnings to average equity (ytd only) | 9.5835% | 694 |
| Net charge-offs to loans | 0.0435% | 2,598 |
| Credit loss provision to net charge-offs | 700.5181% | 501 |
| Earnings coverage of net charge-offs (x) | 50.0674% | 997 |
| Efficiency ratio | 57.6223% | 4,955 |
| Assets per employee ($millions) | 6.3738% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 3,233 |
| Loan loss allowance to noncurrent loans | 182.7546% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.6237% | 3,135 |
| Noncurrent loans to loans | 0.6693% | 3,063 |
| Net loans and leases to total assets | 82.8675% | 530 |
| Net loans and leases to deposits | 93.1529% | 1,381 |
| Net loans and leases to core deposits | 107.2551% | 1,075 |
| Total domestic deposits to total assets | 88.9586% | 935 |
| Equity capital to assets | 10.8880% | 3,180 |
| Core capital (leverage) ratio | 10.2767% | 3,239 |
| Tier 1 risk-based capital ratio | 12.1539% | 4,729 |
| Total risk-based capital ratio | 13.3569% | 4,678 |
| Memoranda: | ||
| Average total assets | $1,093,652,670 | 655 |
| Average earning assets | $1,022,096,330 | 643 |
| Average equity | $114,384,330 | 703 |
| Average total loans | $887,710,670 | 565 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6163% | 1,223 |
| Cost of funding earning assets | 0.3989% | 3,080 |
| Net interest margin | 4.2174% | 1,064 |
| Noninterest income to average assets | 0.2657% | 4,835 |
| Noninterest expense to average assets | 2.4427% | 4,247 |
| Loan and lease loss provision to assets | 0.2360% | 773 |
| Net operating income to assets | 1.0037% | 2,259 |
| Return on assets (ROA) | 1.0037% | 2,376 |
| Pretax return on assets | 1.5210% | 1,525 |
| Return on Equity (ROE) | 9.7932% | 2,079 |
| Retained earnings to average equity (ytd only) | 9.7932% | 900 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6368% | 5,037 |
| Assets per employee ($millions) | 6.6980% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 3,429 |
| Loan loss allowance to noncurrent loans | 158.9148% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.7041% | 2,951 |
| Noncurrent loans to loans | 0.7609% | 2,929 |
| Net loans and leases to total assets | 77.4788% | 1,171 |
| Net loans and leases to deposits | 86.6921% | 1,985 |
| Net loans and leases to core deposits | 100.2045% | 1,468 |
| Total domestic deposits to total assets | 89.3724% | 908 |
| Equity capital to assets | 10.2938% | 3,752 |
| Core capital (leverage) ratio | 10.0944% | 3,428 |
| Tier 1 risk-based capital ratio | 12.3212% | 4,714 |
| Total risk-based capital ratio | 13.5012% | 4,651 |
| Memoranda: | ||
| Average total assets | $1,101,896,000 | 655 |
| Average earning assets | $1,027,844,000 | 640 |
| Average equity | $112,935,500 | 710 |
| Average total loans | $879,729,000 | 570 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 1,747 |
| Cost of funding earning assets | 0.4019% | 3,134 |
| Net interest margin | 4.0477% | 1,569 |
| Noninterest income to average assets | 0.1227% | 5,798 |
| Noninterest expense to average assets | 2.2747% | 4,863 |
| Loan and lease loss provision to assets | 0.0722% | 2,826 |
| Net operating income to assets | 1.0715% | 2,037 |
| Return on assets (ROA) | 1.0715% | 2,110 |
| Pretax return on assets | 1.6275% | 1,175 |
| Return on Equity (ROE) | 11.1567% | 1,561 |
| Retained earnings to average equity (ytd only) | 11.1567% | 335 |
| Net charge-offs to loans | 0.0083% | 4,161 |
| Credit loss provision to net charge-offs | 1,096.8750% | 308 |
| Earnings coverage of net charge-offs (x) | 258.0781% | 275 |
| Efficiency ratio | 57.2331% | 5,232 |
| Assets per employee ($millions) | 6.6177% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 3,965 |
| Loan loss allowance to noncurrent loans | 246.7947% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 3,778 |
| Noncurrent loans to loans | 0.4517% | 3,853 |
| Net loans and leases to total assets | 80.3680% | 790 |
| Net loans and leases to deposits | 89.7351% | 1,643 |
| Net loans and leases to core deposits | 103.2233% | 1,284 |
| Total domestic deposits to total assets | 89.5614% | 821 |
| Equity capital to assets | 10.2038% | 3,745 |
| Core capital (leverage) ratio | 9.4857% | 4,194 |
| Tier 1 risk-based capital ratio | 11.9414% | 4,991 |
| Total risk-based capital ratio | 13.0410% | 4,995 |
| Memoranda: | ||
| Average total assets | $971,721,400 | 714 |
| Average earning assets | $924,694,600 | 683 |
| Average equity | $93,325,400 | 814 |
| Average total loans | $771,470,600 | 601 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 1,705 |
| Cost of funding earning assets | 0.4017% | 3,210 |
| Net interest margin | 4.0652% | 1,512 |
| Noninterest income to average assets | 0.1076% | 5,927 |
| Noninterest expense to average assets | 2.2544% | 4,896 |
| Loan and lease loss provision to assets | 0.0660% | 2,864 |
| Net operating income to assets | 1.0980% | 2,018 |
| Return on assets (ROA) | 1.0980% | 2,100 |
| Pretax return on assets | 1.6717% | 1,184 |
| Return on Equity (ROE) | 11.6435% | 1,481 |
| Retained earnings to average equity (ytd only) | 11.6435% | 399 |
| Net charge-offs to loans | 0.0124% | 3,740 |
| Credit loss provision to net charge-offs | 675.3623% | 505 |
| Earnings coverage of net charge-offs (x) | 177.8651% | 405 |
| Efficiency ratio | 56.4710% | 5,290 |
| Assets per employee ($millions) | 7.9090% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 3,346 |
| Loan loss allowance to noncurrent loans | 837.9340% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 5,181 |
| Noncurrent loans to loans | 0.1495% | 5,040 |
| Net loans and leases to total assets | 75.1434% | 1,520 |
| Net loans and leases to deposits | 85.2081% | 2,248 |
| Net loans and leases to core deposits | 101.6128% | 1,406 |
| Total domestic deposits to total assets | 88.1881% | 1,460 |
| Equity capital to assets | 9.1674% | 5,149 |
| Core capital (leverage) ratio | 9.3617% | 4,498 |
| Tier 1 risk-based capital ratio | 11.8000% | 5,201 |
| Total risk-based capital ratio | 13.0302% | 5,137 |
| Memoranda: | ||
| Average total assets | $941,671,250 | 736 |
| Average earning assets | $899,821,250 | 702 |
| Average equity | $88,802,500 | 866 |
| Average total loans | $742,475,750 | 633 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 1,486 |
| Cost of funding earning assets | 0.4041% | 3,235 |
| Net interest margin | 4.1106% | 1,327 |
| Noninterest income to average assets | 0.1072% | 5,999 |
| Noninterest expense to average assets | 2.2716% | 4,919 |
| Loan and lease loss provision to assets | 0.0961% | 2,214 |
| Net operating income to assets | 1.0896% | 1,985 |
| Return on assets (ROA) | 1.0896% | 2,081 |
| Pretax return on assets | 1.6619% | 1,164 |
| Return on Equity (ROE) | 11.4374% | 1,543 |
| Retained earnings to average equity (ytd only) | 11.4374% | 453 |
| Net charge-offs to loans | 0.0194% | 3,303 |
| Credit loss provision to net charge-offs | 621.1268% | 534 |
| Earnings coverage of net charge-offs (x) | 113.6620% | 550 |
| Efficiency ratio | 56.3737% | 5,396 |
| Assets per employee ($millions) | 7.2678% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 3,241 |
| Loan loss allowance to noncurrent loans | 1,106.4368% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 5,360 |
| Noncurrent loans to loans | 0.1175% | 5,293 |
| Net loans and leases to total assets | 77.9569% | 1,069 |
| Net loans and leases to deposits | 89.0470% | 1,712 |
| Net loans and leases to core deposits | 103.1378% | 1,257 |
| Total domestic deposits to total assets | 87.5458% | 1,885 |
| Equity capital to assets | 9.5974% | 4,539 |
| Core capital (leverage) ratio | 9.8665% | 3,780 |
| Tier 1 risk-based capital ratio | 12.1136% | 5,072 |
| Total risk-based capital ratio | 13.3641% | 4,967 |
| Memoranda: | ||
| Average total assets | $918,109,000 | 764 |
| Average earning assets | $876,083,000 | 735 |
| Average equity | $87,467,670 | 882 |
| Average total loans | $733,176,670 | 637 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4794% | 1,522 |
| Cost of funding earning assets | 0.4084% | 3,217 |
| Net interest margin | 4.0710% | 1,353 |
| Noninterest income to average assets | 0.1066% | 6,049 |
| Noninterest expense to average assets | 2.2655% | 4,958 |
| Loan and lease loss provision to assets | 0.1061% | 1,934 |
| Net operating income to assets | 1.0573% | 2,008 |
| Return on assets (ROA) | 1.0573% | 2,138 |
| Pretax return on assets | 1.6235% | 1,211 |
| Return on Equity (ROE) | 11.1400% | 1,597 |
| Retained earnings to average equity (ytd only) | 11.1400% | 697 |
| Net charge-offs to loans | 0.1217% | 1,536 |
| Credit loss provision to net charge-offs | 108.5586% | 1,527 |
| Earnings coverage of net charge-offs (x) | 17.6937% | 1,515 |
| Efficiency ratio | 56.7067% | 5,466 |
| Assets per employee ($millions) | 7.2680% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 3,656 |
| Loan loss allowance to noncurrent loans | 682.4871% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 5,223 |
| Noncurrent loans to loans | 0.1840% | 5,120 |
| Net loans and leases to total assets | 79.6595% | 724 |
| Net loans and leases to deposits | 88.3326% | 1,580 |
| Net loans and leases to core deposits | 101.5686% | 1,215 |
| Total domestic deposits to total assets | 90.1813% | 661 |
| Equity capital to assets | 9.5474% | 4,697 |
| Core capital (leverage) ratio | 9.7142% | 3,998 |
| Tier 1 risk-based capital ratio | 11.6898% | 5,441 |
| Total risk-based capital ratio | 12.9326% | 5,349 |
| Memoranda: | ||
| Average total assets | $908,391,000 | 772 |
| Average earning assets | $867,702,500 | 739 |
| Average equity | $86,211,500 | 892 |
| Average total loans | $729,511,500 | 637 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6611% | 1,391 |
| Cost of funding earning assets | 0.3975% | 3,716 |
| Net interest margin | 4.2636% | 1,135 |
| Noninterest income to average assets | 0.1137% | 6,108 |
| Noninterest expense to average assets | 2.4516% | 4,703 |
| Loan and lease loss provision to assets | 0.2278% | 1,071 |
| Net operating income to assets | 0.9708% | 2,524 |
| Return on assets (ROA) | 0.9708% | 2,611 |
| Pretax return on assets | 1.4837% | 1,605 |
| Return on Equity (ROE) | 9.9450% | 2,148 |
| Retained earnings to average equity (ytd only) | 9.9450% | 529 |
| Net charge-offs to loans | 0.1467% | 2,571 |
| Credit loss provision to net charge-offs | 192.8279% | 1,281 |
| Earnings coverage of net charge-offs (x) | 14.4877% | 2,160 |
| Efficiency ratio | 58.8894% | 5,358 |
| Assets per employee ($millions) | 7.2081% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 3,510 |
| Loan loss allowance to noncurrent loans | 890.8566% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 5,440 |
| Noncurrent loans to loans | 0.1443% | 5,314 |
| Net loans and leases to total assets | 78.9107% | 892 |
| Net loans and leases to deposits | 87.2230% | 1,825 |
| Net loans and leases to core deposits | 100.3050% | 1,377 |
| Total domestic deposits to total assets | 90.4700% | 551 |
| Equity capital to assets | 9.4329% | 4,805 |
| Core capital (leverage) ratio | 9.3062% | 4,531 |
| Tier 1 risk-based capital ratio | 11.7068% | 5,542 |
| Total risk-based capital ratio | 12.9576% | 5,453 |
| Memoranda: | ||
| Average total assets | $826,190,600 | 816 |
| Average earning assets | $784,693,600 | 778 |
| Average equity | $80,653,400 | 912 |
| Average total loans | $665,269,200 | 652 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6499% | 1,432 |
| Cost of funding earning assets | 0.4002% | 3,783 |
| Net interest margin | 4.2497% | 1,156 |
| Noninterest income to average assets | 0.1189% | 6,167 |
| Noninterest expense to average assets | 2.4640% | 4,634 |
| Loan and lease loss provision to assets | 0.2497% | 865 |
| Net operating income to assets | 0.9397% | 2,734 |
| Return on assets (ROA) | 0.9397% | 2,820 |
| Pretax return on assets | 1.4331% | 1,875 |
| Return on Equity (ROE) | 9.5361% | 2,434 |
| Retained earnings to average equity (ytd only) | 9.5361% | 824 |
| Net charge-offs to loans | 0.1252% | 2,547 |
| Credit loss provision to net charge-offs | 247.0588% | 1,066 |
| Earnings coverage of net charge-offs (x) | 16.6520% | 1,953 |
| Efficiency ratio | 59.4210% | 5,262 |
| Assets per employee ($millions) | 6.8497% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 3,635 |
| Loan loss allowance to noncurrent loans | 843.2088% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 5,340 |
| Noncurrent loans to loans | 0.1544% | 5,444 |
| Net loans and leases to total assets | 82.5678% | 453 |
| Net loans and leases to deposits | 91.6574% | 1,258 |
| Net loans and leases to core deposits | 107.0176% | 898 |
| Total domestic deposits to total assets | 90.0831% | 697 |
| Equity capital to assets | 9.7254% | 4,524 |
| Core capital (leverage) ratio | 9.6667% | 4,133 |
| Tier 1 risk-based capital ratio | 11.4868% | 5,796 |
| Total risk-based capital ratio | 12.7378% | 5,729 |
| Memoranda: | ||
| Average total assets | $807,485,750 | 842 |
| Average earning assets | $765,328,500 | 798 |
| Average equity | $79,569,000 | 927 |
| Average total loans | $651,524,250 | 662 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5740% | 1,598 |
| Cost of funding earning assets | 0.3973% | 3,894 |
| Net interest margin | 4.1767% | 1,295 |
| Noninterest income to average assets | 0.1187% | 6,206 |
| Noninterest expense to average assets | 2.4894% | 4,611 |
| Loan and lease loss provision to assets | 0.2576% | 832 |
| Net operating income to assets | 0.8645% | 2,984 |
| Return on assets (ROA) | 0.8645% | 3,079 |
| Pretax return on assets | 1.3222% | 2,179 |
| Return on Equity (ROE) | 8.7325% | 2,719 |
| Retained earnings to average equity (ytd only) | 8.7325% | 1,066 |
| Net charge-offs to loans | 0.1937% | 1,866 |
| Credit loss provision to net charge-offs | 166.9935% | 1,348 |
| Earnings coverage of net charge-offs (x) | 10.2418% | 2,269 |
| Efficiency ratio | 61.1768% | 5,120 |
| Assets per employee ($millions) | 6.6660% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 3,780 |
| Loan loss allowance to noncurrent loans | 1,258.6207% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 5,596 |
| Noncurrent loans to loans | 0.1044% | 5,701 |
| Net loans and leases to total assets | 80.9305% | 581 |
| Net loans and leases to deposits | 89.9565% | 1,377 |
| Net loans and leases to core deposits | 105.6363% | 918 |
| Total domestic deposits to total assets | 89.9663% | 831 |
| Equity capital to assets | 9.8810% | 4,264 |
| Core capital (leverage) ratio | 9.8604% | 3,802 |
| Tier 1 risk-based capital ratio | 11.6128% | 5,740 |
| Total risk-based capital ratio | 12.8635% | 5,689 |
| Memoranda: | ||
| Average total assets | $793,527,670 | 855 |
| Average earning assets | $750,542,670 | 818 |
| Average equity | $78,557,330 | 933 |
| Average total loans | $631,849,670 | 681 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4716% | 1,897 |
| Cost of funding earning assets | 0.4035% | 3,931 |
| Net interest margin | 4.0681% | 1,551 |
| Noninterest income to average assets | 0.1154% | 6,277 |
| Noninterest expense to average assets | 2.5118% | 4,584 |
| Loan and lease loss provision to assets | 0.2297% | 964 |
| Net operating income to assets | 0.7917% | 3,193 |
| Return on assets (ROA) | 0.7917% | 3,266 |
| Pretax return on assets | 1.2235% | 2,378 |
| Return on Equity (ROE) | 7.9889% | 2,933 |
| Retained earnings to average equity (ytd only) | 7.9889% | 1,595 |
| Net charge-offs to loans | 0.3855% | 950 |
| Credit loss provision to net charge-offs | 76.0135% | 1,946 |
| Earnings coverage of net charge-offs (x) | 4.8091% | 2,469 |
| Efficiency ratio | 63.3496% | 4,954 |
| Assets per employee ($millions) | 6.7967% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 4,038 |
| Loan loss allowance to noncurrent loans | 550.1340% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 5,658 |
| Noncurrent loans to loans | 0.2392% | 5,389 |
| Net loans and leases to total assets | 77.4175% | 830 |
| Net loans and leases to deposits | 86.1016% | 1,597 |
| Net loans and leases to core deposits | 100.2291% | 1,084 |
| Total domestic deposits to total assets | 89.9141% | 1,117 |
| Equity capital to assets | 9.8694% | 3,995 |
| Core capital (leverage) ratio | 9.8020% | 3,860 |
| Tier 1 risk-based capital ratio | 12.3063% | 5,436 |
| Total risk-based capital ratio | 13.5574% | 5,369 |
| Memoranda: | ||
| Average total assets | $783,668,000 | 869 |
| Average earning assets | $741,574,500 | 837 |
| Average equity | $77,657,500 | 943 |
| Average total loans | $614,312,000 | 704 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6978% | 1,576 |
| Cost of funding earning assets | 0.4257% | 4,372 |
| Net interest margin | 4.2721% | 1,169 |
| Noninterest income to average assets | 0.1257% | 6,301 |
| Noninterest expense to average assets | 2.5528% | 4,605 |
| Loan and lease loss provision to assets | 0.1800% | 2,049 |
| Net operating income to assets | 0.9451% | 2,590 |
| Return on assets (ROA) | 0.9451% | 2,659 |
| Pretax return on assets | 1.4407% | 1,650 |
| Return on Equity (ROE) | 9.1453% | 2,471 |
| Retained earnings to average equity (ytd only) | 9.1453% | 740 |
| Net charge-offs to loans | 0.0307% | 4,820 |
| Credit loss provision to net charge-offs | 735.6322% | 336 |
| Earnings coverage of net charge-offs (x) | 66.2299% | 637 |
| Efficiency ratio | 61.1660% | 5,337 |
| Assets per employee ($millions) | 6.5434% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3807% | 3,740 |
| Loan loss allowance to noncurrent loans | 593.4613% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 5,768 |
| Noncurrent loans to loans | 0.2326% | 5,486 |
| Net loans and leases to total assets | 77.2458% | 923 |
| Net loans and leases to deposits | 85.8521% | 1,704 |
| Net loans and leases to core deposits | 100.2783% | 1,136 |
| Total domestic deposits to total assets | 89.9754% | 1,093 |
| Equity capital to assets | 9.9508% | 3,835 |
| Core capital (leverage) ratio | 9.8359% | 3,796 |
| Tier 1 risk-based capital ratio | 12.5118% | 5,283 |
| Total risk-based capital ratio | 13.7638% | 5,237 |
| Memoranda: | ||
| Average total assets | $711,018,800 | 930 |
| Average earning assets | $673,699,000 | 899 |
| Average equity | $73,480,200 | 968 |
| Average total loans | $566,604,000 | 742 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 1,541 |
| Cost of funding earning assets | 0.4239% | 4,568 |
| Net interest margin | 4.2982% | 1,100 |
| Noninterest income to average assets | 0.1282% | 6,377 |
| Noninterest expense to average assets | 2.5478% | 4,566 |
| Loan and lease loss provision to assets | 0.2415% | 1,488 |
| Net operating income to assets | 0.9352% | 2,662 |
| Return on assets (ROA) | 0.9352% | 2,777 |
| Pretax return on assets | 1.4152% | 1,885 |
| Return on Equity (ROE) | 8.9569% | 2,657 |
| Retained earnings to average equity (ytd only) | 8.9569% | 1,069 |
| Net charge-offs to loans | 0.0941% | 3,625 |
| Credit loss provision to net charge-offs | 320.6107% | 802 |
| Earnings coverage of net charge-offs (x) | 21.9973% | 1,519 |
| Efficiency ratio | 60.5971% | 5,346 |
| Assets per employee ($millions) | 6.4730% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 3,990 |
| Loan loss allowance to noncurrent loans | 506.3046% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 5,783 |
| Noncurrent loans to loans | 0.2724% | 5,554 |
| Net loans and leases to total assets | 79.2958% | 622 |
| Net loans and leases to deposits | 88.5224% | 1,312 |
| Net loans and leases to core deposits | 102.3270% | 973 |
| Total domestic deposits to total assets | 89.5771% | 1,242 |
| Equity capital to assets | 10.2534% | 3,574 |
| Core capital (leverage) ratio | 10.1074% | 3,510 |
| Tier 1 risk-based capital ratio | 12.7810% | 5,269 |
| Total risk-based capital ratio | 14.0328% | 5,206 |
| Memoranda: | ||
| Average total assets | $695,743,500 | 955 |
| Average earning assets | $659,821,000 | 921 |
| Average equity | $72,642,250 | 991 |
| Average total loans | $557,060,000 | 750 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7128% | 1,533 |
| Cost of funding earning assets | 0.4132% | 4,825 |
| Net interest margin | 4.2996% | 1,035 |
| Noninterest income to average assets | 0.1293% | 6,409 |
| Noninterest expense to average assets | 2.5547% | 4,545 |
| Loan and lease loss provision to assets | 0.2735% | 1,349 |
| Net operating income to assets | 0.9189% | 2,703 |
| Return on assets (ROA) | 0.9189% | 2,842 |
| Pretax return on assets | 1.3822% | 1,997 |
| Return on Equity (ROE) | 8.7452% | 2,737 |
| Retained earnings to average equity (ytd only) | 8.7452% | 1,206 |
| Net charge-offs to loans | 0.1313% | 3,063 |
| Credit loss provision to net charge-offs | 260.4457% | 963 |
| Earnings coverage of net charge-offs (x) | 15.7688% | 1,716 |
| Efficiency ratio | 60.6766% | 5,382 |
| Assets per employee ($millions) | 6.7562% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 4,140 |
| Loan loss allowance to noncurrent loans | 512.4509% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 5,859 |
| Noncurrent loans to loans | 0.2687% | 5,636 |
| Net loans and leases to total assets | 77.4810% | 804 |
| Net loans and leases to deposits | 86.3448% | 1,541 |
| Net loans and leases to core deposits | 100.7609% | 1,026 |
| Total domestic deposits to total assets | 89.7345% | 1,184 |
| Equity capital to assets | 10.1376% | 3,738 |
| Core capital (leverage) ratio | 10.1633% | 3,279 |
| Tier 1 risk-based capital ratio | 12.7928% | 5,292 |
| Total risk-based capital ratio | 14.0448% | 5,227 |
| Memoranda: | ||
| Average total assets | $683,840,000 | 975 |
| Average earning assets | $649,090,000 | 930 |
| Average equity | $71,856,670 | 1,004 |
| Average total loans | $546,705,670 | 761 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7546% | 1,392 |
| Cost of funding earning assets | 0.4036% | 5,069 |
| Net interest margin | 4.3510% | 881 |
| Noninterest income to average assets | 0.1277% | 6,458 |
| Noninterest expense to average assets | 2.5904% | 4,433 |
| Loan and lease loss provision to assets | 0.2920% | 1,201 |
| Net operating income to assets | 0.9062% | 2,619 |
| Return on assets (ROA) | 0.9062% | 2,771 |
| Pretax return on assets | 1.3867% | 1,898 |
| Return on Equity (ROE) | 8.4619% | 2,739 |
| Retained earnings to average equity (ytd only) | 8.4619% | 1,576 |
| Net charge-offs to loans | 0.0216% | 3,736 |
| Credit loss provision to net charge-offs | 1,672.4138% | 193 |
| Earnings coverage of net charge-offs (x) | 96.1379% | 395 |
| Efficiency ratio | 60.6770% | 5,492 |
| Assets per employee ($millions) | 6.8036% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 4,219 |
| Loan loss allowance to noncurrent loans | 405.0500% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 5,703 |
| Noncurrent loans to loans | 0.3462% | 5,535 |
| Net loans and leases to total assets | 78.7885% | 532 |
| Net loans and leases to deposits | 88.2263% | 1,124 |
| Net loans and leases to core deposits | 105.0545% | 676 |
| Total domestic deposits to total assets | 89.3027% | 1,488 |
| Equity capital to assets | 10.4599% | 3,583 |
| Core capital (leverage) ratio | 10.5466% | 2,711 |
| Tier 1 risk-based capital ratio | 12.7618% | 5,395 |
| Total risk-based capital ratio | 14.0138% | 5,341 |
| Memoranda: | ||
| Average total assets | $664,302,500 | 1,014 |
| Average earning assets | $632,319,500 | 978 |
| Average equity | $71,142,000 | 1,024 |
| Average total loans | $536,087,500 | 782 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8634% | 1,970 |
| Cost of funding earning assets | 0.4449% | 5,626 |
| Net interest margin | 4.4185% | 1,123 |
| Noninterest income to average assets | 0.1811% | 6,101 |
| Noninterest expense to average assets | 2.7292% | 4,290 |
| Loan and lease loss provision to assets | 0.3433% | 1,953 |
| Net operating income to assets | 0.8380% | 3,106 |
| Return on assets (ROA) | 0.8380% | 3,357 |
| Pretax return on assets | 1.2861% | 2,463 |
| Return on Equity (ROE) | 7.8951% | 3,134 |
| Retained earnings to average equity (ytd only) | 7.8951% | 1,157 |
| Net charge-offs to loans | 0.1358% | 4,325 |
| Credit loss provision to net charge-offs | 328.3654% | 739 |
| Earnings coverage of net charge-offs (x) | 15.5833% | 1,640 |
| Efficiency ratio | 62.6158% | 5,146 |
| Assets per employee ($millions) | 6.2886% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 4,238 |
| Loan loss allowance to noncurrent loans | 482.2903% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 5,930 |
| Noncurrent loans to loans | 0.2872% | 5,762 |
| Net loans and leases to total assets | 80.4165% | 432 |
| Net loans and leases to deposits | 90.4221% | 1,040 |
| Net loans and leases to core deposits | 106.3899% | 676 |
| Total domestic deposits to total assets | 88.9346% | 1,609 |
| Equity capital to assets | 10.9764% | 2,978 |
| Core capital (leverage) ratio | 10.8980% | 2,345 |
| Tier 1 risk-based capital ratio | 13.0129% | 5,097 |
| Total risk-based capital ratio | 14.2645% | 5,038 |
| Memoranda: | ||
| Average total assets | $596,777,800 | 1,114 |
| Average earning assets | $564,214,600 | 1,071 |
| Average equity | $63,343,000 | 1,120 |
| Average total loans | $459,361,800 | 902 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8435% | 2,222 |
| Cost of funding earning assets | 0.4575% | 5,740 |
| Net interest margin | 4.3860% | 1,237 |
| Noninterest income to average assets | 0.2026% | 6,078 |
| Noninterest expense to average assets | 2.7485% | 4,181 |
| Loan and lease loss provision to assets | 0.3313% | 1,979 |
| Net operating income to assets | 0.8235% | 3,324 |
| Return on assets (ROA) | 0.8235% | 3,567 |
| Pretax return on assets | 1.2636% | 2,734 |
| Return on Equity (ROE) | 7.8317% | 3,353 |
| Retained earnings to average equity (ytd only) | 7.8317% | 1,692 |
| Net charge-offs to loans | 0.1533% | 3,890 |
| Credit loss provision to net charge-offs | 285.2941% | 948 |
| Earnings coverage of net charge-offs (x) | 13.7354% | 1,891 |
| Efficiency ratio | 63.2804% | 4,929 |
| Assets per employee ($millions) | 5.9135% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 4,371 |
| Loan loss allowance to noncurrent loans | 521.1094% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 6,157 |
| Noncurrent loans to loans | 0.2689% | 5,947 |
| Net loans and leases to total assets | 78.9074% | 620 |
| Net loans and leases to deposits | 89.3073% | 1,229 |
| Net loans and leases to core deposits | 107.8733% | 655 |
| Total domestic deposits to total assets | 88.3549% | 1,806 |
| Equity capital to assets | 11.4468% | 2,807 |
| Core capital (leverage) ratio | 11.2549% | 2,173 |
| Tier 1 risk-based capital ratio | 14.1434% | 4,423 |
| Total risk-based capital ratio | 15.3956% | 4,381 |
| Memoranda: | ||
| Average total assets | $585,612,500 | 1,145 |
| Average earning assets | $552,865,250 | 1,109 |
| Average equity | $61,577,000 | 1,165 |
| Average total loans | $443,435,500 | 941 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7810% | 2,581 |
| Cost of funding earning assets | 0.4790% | 5,765 |
| Net interest margin | 4.3020% | 1,474 |
| Noninterest income to average assets | 0.2235% | 5,966 |
| Noninterest expense to average assets | 2.7325% | 4,278 |
| Loan and lease loss provision to assets | 0.2950% | 2,219 |
| Net operating income to assets | 0.8221% | 3,291 |
| Return on assets (ROA) | 0.8221% | 3,548 |
| Pretax return on assets | 1.2581% | 2,697 |
| Return on Equity (ROE) | 8.0659% | 3,232 |
| Retained earnings to average equity (ytd only) | 8.0659% | 1,615 |
| Net charge-offs to loans | 0.1120% | 4,061 |
| Credit loss provision to net charge-offs | 354.7718% | 825 |
| Earnings coverage of net charge-offs (x) | 18.6805% | 1,472 |
| Efficiency ratio | 63.7608% | 4,934 |
| Assets per employee ($millions) | 5.9156% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 4,488 |
| Loan loss allowance to noncurrent loans | 463.8068% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 6,078 |
| Noncurrent loans to loans | 0.3008% | 5,958 |
| Net loans and leases to total assets | 76.0956% | 956 |
| Net loans and leases to deposits | 84.7850% | 1,749 |
| Net loans and leases to core deposits | 102.2648% | 965 |
| Total domestic deposits to total assets | 89.7512% | 1,073 |
| Equity capital to assets | 10.0893% | 4,203 |
| Core capital (leverage) ratio | 10.0640% | 3,335 |
| Tier 1 risk-based capital ratio | 12.8384% | 5,309 |
| Total risk-based capital ratio | 14.0904% | 5,279 |
| Memoranda: | ||
| Average total assets | $579,758,670 | 1,156 |
| Average earning assets | $547,413,670 | 1,116 |
| Average equity | $59,088,000 | 1,205 |
| Average total loans | $430,343,000 | 973 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8207% | 2,553 |
| Cost of funding earning assets | 0.5014% | 5,813 |
| Net interest margin | 4.3193% | 1,409 |
| Noninterest income to average assets | 0.2999% | 5,482 |
| Noninterest expense to average assets | 2.8124% | 3,983 |
| Loan and lease loss provision to assets | 0.2102% | 2,846 |
| Net operating income to assets | 0.8807% | 3,016 |
| Return on assets (ROA) | 0.8807% | 3,237 |
| Pretax return on assets | 1.3516% | 2,355 |
| Return on Equity (ROE) | 8.5961% | 3,003 |
| Retained earnings to average equity (ytd only) | 8.5961% | 1,733 |
| Net charge-offs to loans | 0.0096% | 4,591 |
| Credit loss provision to net charge-offs | 3,000.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 222.9000% | 159 |
| Efficiency ratio | 64.2960% | 4,873 |
| Assets per employee ($millions) | 6.0467% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 4,370 |
| Loan loss allowance to noncurrent loans | 496.2632% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.2606% | 6,234 |
| Noncurrent loans to loans | 0.2924% | 6,091 |
| Net loans and leases to total assets | 71.4815% | 1,486 |
| Net loans and leases to deposits | 79.7894% | 2,229 |
| Net loans and leases to core deposits | 96.7777% | 1,230 |
| Total domestic deposits to total assets | 89.5877% | 1,313 |
| Equity capital to assets | 10.1780% | 3,879 |
| Core capital (leverage) ratio | 10.1074% | 3,231 |
| Tier 1 risk-based capital ratio | 13.4996% | 4,827 |
| Total risk-based capital ratio | 14.7520% | 4,809 |
| Memoranda: | ||
| Average total assets | $570,900,000 | 1,180 |
| Average earning assets | $538,516,500 | 1,135 |
| Average equity | $58,491,500 | 1,215 |
| Average total loans | $414,971,500 | 1,011 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1111% | 2,413 |
| Cost of funding earning assets | 0.6276% | 5,941 |
| Net interest margin | 4.4835% | 1,176 |
| Noninterest income to average assets | 0.1588% | 6,351 |
| Noninterest expense to average assets | 2.8521% | 4,161 |
| Loan and lease loss provision to assets | 0.3288% | 3,054 |
| Net operating income to assets | 0.7878% | 3,094 |
| Return on assets (ROA) | 0.7878% | 3,257 |
| Pretax return on assets | 1.2083% | 2,433 |
| Return on Equity (ROE) | 7.2983% | 3,246 |
| Retained earnings to average equity (ytd only) | 7.2983% | 1,362 |
| Net charge-offs to loans | 0.2224% | 4,391 |
| Credit loss provision to net charge-offs | 192.5085% | 1,326 |
| Earnings coverage of net charge-offs (x) | 8.9989% | 2,053 |
| Efficiency ratio | 64.9792% | 4,957 |
| Assets per employee ($millions) | 5.7867% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 4,360 |
| Loan loss allowance to noncurrent loans | 666.5521% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.8330% | 4,959 |
| Noncurrent loans to loans | 0.2135% | 6,310 |
| Net loans and leases to total assets | 71.8091% | 1,679 |
| Net loans and leases to deposits | 80.1512% | 2,495 |
| Net loans and leases to core deposits | 98.1530% | 1,316 |
| Total domestic deposits to total assets | 89.5921% | 1,208 |
| Equity capital to assets | 10.3153% | 3,758 |
| Core capital (leverage) ratio | 10.3098% | 2,959 |
| Tier 1 risk-based capital ratio | 13.5845% | 4,632 |
| Total risk-based capital ratio | 14.8363% | 4,603 |
| Memoranda: | ||
| Average total assets | $515,753,400 | 1,297 |
| Average earning assets | $486,649,600 | 1,256 |
| Average equity | $55,670,400 | 1,220 |
| Average total loans | $396,219,600 | 1,075 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1552% | 2,365 |
| Cost of funding earning assets | 0.6502% | 6,030 |
| Net interest margin | 4.5050% | 1,137 |
| Noninterest income to average assets | 0.1589% | 6,457 |
| Noninterest expense to average assets | 2.9803% | 3,628 |
| Loan and lease loss provision to assets | 0.3743% | 2,607 |
| Net operating income to assets | 0.6876% | 3,683 |
| Return on assets (ROA) | 0.6876% | 3,852 |
| Pretax return on assets | 1.0587% | 3,174 |
| Return on Equity (ROE) | 6.2924% | 3,880 |
| Retained earnings to average equity (ytd only) | 6.2924% | 2,376 |
| Net charge-offs to loans | 0.2344% | 3,958 |
| Credit loss provision to net charge-offs | 204.9204% | 1,428 |
| Earnings coverage of net charge-offs (x) | 7.8452% | 2,285 |
| Efficiency ratio | 67.5292% | 4,413 |
| Assets per employee ($millions) | 5.7745% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 4,619 |
| Loan loss allowance to noncurrent loans | 155.2154% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6800% | 5,441 |
| Noncurrent loans to loans | 0.8939% | 5,075 |
| Net loans and leases to total assets | 75.0099% | 1,142 |
| Net loans and leases to deposits | 83.9605% | 2,007 |
| Net loans and leases to core deposits | 102.0206% | 1,095 |
| Total domestic deposits to total assets | 89.3395% | 1,229 |
| Equity capital to assets | 10.4039% | 3,825 |
| Core capital (leverage) ratio | 10.4538% | 2,924 |
| Tier 1 risk-based capital ratio | 13.4469% | 4,775 |
| Total risk-based capital ratio | 14.6988% | 4,745 |
| Memoranda: | ||
| Average total assets | $504,363,500 | 1,333 |
| Average earning assets | $476,322,750 | 1,284 |
| Average equity | $55,112,750 | 1,230 |
| Average total loans | $393,051,250 | 1,094 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1481% | 2,476 |
| Cost of funding earning assets | 0.6557% | 6,201 |
| Net interest margin | 4.4924% | 1,149 |
| Noninterest income to average assets | 0.1599% | 6,516 |
| Noninterest expense to average assets | 3.0520% | 3,425 |
| Loan and lease loss provision to assets | 0.2848% | 3,102 |
| Net operating income to assets | 0.6815% | 3,639 |
| Return on assets (ROA) | 0.6815% | 3,760 |
| Pretax return on assets | 1.0656% | 2,985 |
| Return on Equity (ROE) | 6.1289% | 3,899 |
| Retained earnings to average equity (ytd only) | 6.1289% | 2,343 |
| Net charge-offs to loans | 0.1014% | 4,667 |
| Credit loss provision to net charge-offs | 357.1429% | 857 |
| Earnings coverage of net charge-offs (x) | 16.9337% | 1,318 |
| Efficiency ratio | 69.3253% | 4,254 |
| Assets per employee ($millions) | 5.5302% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 4,790 |
| Loan loss allowance to noncurrent loans | 147.1154% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.7359% | 5,438 |
| Noncurrent loans to loans | 0.9227% | 5,126 |
| Net loans and leases to total assets | 78.6732% | 684 |
| Net loans and leases to deposits | 88.5639% | 1,419 |
| Net loans and leases to core deposits | 109.0212% | 756 |
| Total domestic deposits to total assets | 88.8322% | 1,649 |
| Equity capital to assets | 10.9210% | 3,033 |
| Core capital (leverage) ratio | 10.7358% | 2,486 |
| Tier 1 risk-based capital ratio | 13.4756% | 4,547 |
| Total risk-based capital ratio | 14.7271% | 4,523 |
| Memoranda: | ||
| Average total assets | $491,549,330 | 1,366 |
| Average earning assets | $464,210,330 | 1,326 |
| Average equity | $54,659,330 | 1,233 |
| Average total loans | $386,439,330 | 1,131 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1053% | 2,624 |
| Cost of funding earning assets | 0.6541% | 6,366 |
| Net interest margin | 4.4512% | 1,170 |
| Noninterest income to average assets | 0.1673% | 6,531 |
| Noninterest expense to average assets | 3.1441% | 3,094 |
| Loan and lease loss provision to assets | 0.2949% | 2,800 |
| Net operating income to assets | 0.5955% | 4,058 |
| Return on assets (ROA) | 0.5955% | 4,127 |
| Pretax return on assets | 0.9384% | 3,371 |
| Return on Equity (ROE) | 5.3055% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.3055% | 3,003 |
| Net charge-offs to loans | 0.0839% | 4,112 |
| Credit loss provision to net charge-offs | 450.6329% | 775 |
| Earnings coverage of net charge-offs (x) | 18.8481% | 1,166 |
| Efficiency ratio | 71.8259% | 3,907 |
| Assets per employee ($millions) | 5.4373% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 4,832 |
| Loan loss allowance to noncurrent loans | 137.8132% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.7660% | 5,380 |
| Noncurrent loans to loans | 0.9902% | 5,058 |
| Net loans and leases to total assets | 76.3044% | 988 |
| Net loans and leases to deposits | 85.9040% | 1,747 |
| Net loans and leases to core deposits | 105.1327% | 990 |
| Total domestic deposits to total assets | 88.8252% | 1,881 |
| Equity capital to assets | 10.9111% | 2,767 |
| Core capital (leverage) ratio | 11.1626% | 2,062 |
| Tier 1 risk-based capital ratio | 13.7156% | 4,267 |
| Total risk-based capital ratio | 14.9670% | 4,237 |
| Memoranda: | ||
| Average total assets | $482,937,000 | 1,399 |
| Average earning assets | $456,780,000 | 1,353 |
| Average equity | $54,207,500 | 1,232 |
| Average total loans | $376,770,500 | 1,174 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2201% | 3,511 |
| Cost of funding earning assets | 0.8082% | 6,535 |
| Net interest margin | 4.4119% | 1,439 |
| Noninterest income to average assets | 0.1402% | 6,691 |
| Noninterest expense to average assets | 3.1646% | 3,213 |
| Loan and lease loss provision to assets | 0.2700% | 4,647 |
| Net operating income to assets | 0.5451% | 3,908 |
| Return on assets (ROA) | 0.5451% | 4,057 |
| Pretax return on assets | 0.8490% | 3,472 |
| Return on Equity (ROE) | 4.5950% | 4,249 |
| Retained earnings to average equity (ytd only) | 4.5950% | 2,663 |
| Net charge-offs to loans | 0.0853% | 5,983 |
| Credit loss provision to net charge-offs | 413.1488% | 586 |
| Earnings coverage of net charge-offs (x) | 17.1246% | 1,174 |
| Efficiency ratio | 73.8784% | 3,419 |
| Assets per employee ($millions) | 5.0613% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 4,674 |
| Loan loss allowance to noncurrent loans | 145.3384% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.7394% | 5,525 |
| Noncurrent loans to loans | 0.9393% | 5,169 |
| Net loans and leases to total assets | 77.6469% | 999 |
| Net loans and leases to deposits | 88.0961% | 1,775 |
| Net loans and leases to core deposits | 112.5053% | 789 |
| Total domestic deposits to total assets | 88.1389% | 2,162 |
| Equity capital to assets | 11.5613% | 2,210 |
| Core capital (leverage) ratio | 11.3254% | 1,939 |
| Tier 1 risk-based capital ratio | 14.3155% | 3,666 |
| Total risk-based capital ratio | 15.5672% | 3,619 |
| Memoranda: | ||
| Average total assets | $442,300,400 | 1,504 |
| Average earning assets | $415,377,800 | 1,463 |
| Average equity | $52,470,400 | 1,272 |
| Average total loans | $338,927,400 | 1,317 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2323% | 3,673 |
| Cost of funding earning assets | 0.8480% | 6,587 |
| Net interest margin | 4.3843% | 1,578 |
| Noninterest income to average assets | 0.1118% | 6,985 |
| Noninterest expense to average assets | 3.1351% | 3,165 |
| Loan and lease loss provision to assets | 0.2575% | 4,520 |
| Net operating income to assets | 0.5303% | 4,184 |
| Return on assets (ROA) | 0.5303% | 4,356 |
| Pretax return on assets | 0.8269% | 3,812 |
| Return on Equity (ROE) | 4.4401% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.4401% | 3,374 |
| Net charge-offs to loans | 0.0964% | 5,569 |
| Credit loss provision to net charge-offs | 351.2500% | 894 |
| Earnings coverage of net charge-offs (x) | 14.7918% | 1,481 |
| Efficiency ratio | 74.2996% | 3,266 |
| Assets per employee ($millions) | 5.2136% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 4,573 |
| Loan loss allowance to noncurrent loans | 148.1878% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.6838% | 5,752 |
| Noncurrent loans to loans | 0.9315% | 5,371 |
| Net loans and leases to total assets | 72.3952% | 2,169 |
| Net loans and leases to deposits | 82.1710% | 3,069 |
| Net loans and leases to core deposits | 104.8116% | 1,413 |
| Total domestic deposits to total assets | 88.1032% | 1,901 |
| Equity capital to assets | 11.4600% | 2,562 |
| Core capital (leverage) ratio | 11.3928% | 2,014 |
| Tier 1 risk-based capital ratio | 14.8402% | 3,329 |
| Total risk-based capital ratio | 16.0913% | 3,308 |
| Memoranda: | ||
| Average total assets | $436,465,250 | 1,552 |
| Average earning assets | $408,935,500 | 1,514 |
| Average equity | $52,129,500 | 1,284 |
| Average total loans | $332,019,250 | 1,358 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2959% | 3,492 |
| Cost of funding earning assets | 0.8766% | 6,665 |
| Net interest margin | 4.4193% | 1,395 |
| Noninterest income to average assets | 0.1030% | 7,090 |
| Noninterest expense to average assets | 3.1567% | 3,065 |
| Loan and lease loss provision to assets | 0.3426% | 3,676 |
| Net operating income to assets | 0.4746% | 4,440 |
| Return on assets (ROA) | 0.4746% | 4,596 |
| Pretax return on assets | 0.7428% | 4,095 |
| Return on Equity (ROE) | 3.9165% | 4,816 |
| Retained earnings to average equity (ytd only) | 3.9165% | 3,595 |
| Net charge-offs to loans | 0.1470% | 4,760 |
| Credit loss provision to net charge-offs | 302.4793% | 1,211 |
| Earnings coverage of net charge-offs (x) | 9.5826% | 2,003 |
| Efficiency ratio | 74.4124% | 3,392 |
| Assets per employee ($millions) | 4.9854% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 4,720 |
| Loan loss allowance to noncurrent loans | 1,593.4028% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 7,232 |
| Noncurrent loans to loans | 0.0842% | 7,099 |
| Net loans and leases to total assets | 75.1712% | 1,656 |
| Net loans and leases to deposits | 85.5415% | 2,589 |
| Net loans and leases to core deposits | 114.1745% | 913 |
| Total domestic deposits to total assets | 87.8769% | 2,065 |
| Equity capital to assets | 11.6653% | 2,304 |
| Core capital (leverage) ratio | 11.7543% | 1,771 |
| Tier 1 risk-based capital ratio | 14.8590% | 3,234 |
| Total risk-based capital ratio | 16.1102% | 3,205 |
| Memoranda: | ||
| Average total assets | $427,284,670 | 1,598 |
| Average earning assets | $400,197,000 | 1,548 |
| Average equity | $51,781,000 | 1,285 |
| Average total loans | $329,152,000 | 1,386 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3067% | 3,517 |
| Cost of funding earning assets | 0.8832% | 6,833 |
| Net interest margin | 4.4234% | 1,323 |
| Noninterest income to average assets | 0.1066% | 7,166 |
| Noninterest expense to average assets | 3.2262% | 2,770 |
| Loan and lease loss provision to assets | 0.3274% | 3,442 |
| Net operating income to assets | 0.4359% | 4,683 |
| Return on assets (ROA) | 0.4359% | 4,814 |
| Pretax return on assets | 0.6837% | 4,297 |
| Return on Equity (ROE) | 3.5261% | 5,098 |
| Retained earnings to average equity (ytd only) | 3.5261% | 4,030 |
| Net charge-offs to loans | 0.1648% | 3,935 |
| Credit loss provision to net charge-offs | 256.3910% | 1,513 |
| Earnings coverage of net charge-offs (x) | 7.9173% | 2,020 |
| Efficiency ratio | 76.1387% | 3,188 |
| Assets per employee ($millions) | 5.0038% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 4,888 |
| Loan loss allowance to noncurrent loans | 1,136.4116% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 6,933 |
| Noncurrent loans to loans | 0.1151% | 7,119 |
| Net loans and leases to total assets | 76.3783% | 1,463 |
| Net loans and leases to deposits | 87.6392% | 2,294 |
| Net loans and leases to core deposits | 118.9794% | 825 |
| Total domestic deposits to total assets | 87.1509% | 2,549 |
| Equity capital to assets | 12.1692% | 1,949 |
| Core capital (leverage) ratio | 12.3638% | 1,466 |
| Tier 1 risk-based capital ratio | 15.5854% | 2,838 |
| Total risk-based capital ratio | 16.8365% | 2,780 |
| Memoranda: | ||
| Average total assets | $416,583,000 | 1,672 |
| Average earning assets | $389,021,000 | 1,634 |
| Average equity | $51,501,000 | 1,299 |
| Average total loans | $322,791,500 | 1,464 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5275% | 4,005 |
| Cost of funding earning assets | 1.2045% | 6,645 |
| Net interest margin | 4.3231% | 1,650 |
| Noninterest income to average assets | 0.1330% | 7,091 |
| Noninterest expense to average assets | 3.1314% | 3,608 |
| Loan and lease loss provision to assets | 0.3877% | 4,468 |
| Net operating income to assets | 0.4040% | 4,114 |
| Return on assets (ROA) | 0.4040% | 4,218 |
| Pretax return on assets | 0.6523% | 3,734 |
| Return on Equity (ROE) | 3.5625% | 4,264 |
| Retained earnings to average equity (ytd only) | 3.3341% | 2,838 |
| Net charge-offs to loans | 0.1692% | 5,591 |
| Credit loss provision to net charge-offs | 295.1220% | 1,131 |
| Earnings coverage of net charge-offs (x) | 7.9167% | 2,040 |
| Efficiency ratio | 75.0688% | 3,699 |
| Assets per employee ($millions) | 5.6645% | 1,500 |
| Cash dividends to net income (ytd only)* | 6.4111% | 3,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 4,794 |
| Loan loss allowance to noncurrent loans | 1,242.1212% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 6,400 |
| Noncurrent loans to loans | 0.1043% | 7,151 |
| Net loans and leases to total assets | 76.5791% | 1,681 |
| Net loans and leases to deposits | 88.5503% | 2,462 |
| Net loans and leases to core deposits | 155.0934% | 413 |
| Total domestic deposits to total assets | 86.4809% | 2,773 |
| Equity capital to assets | 12.5646% | 1,716 |
| Core capital (leverage) ratio | 12.7681% | 1,321 |
| Tier 1 risk-based capital ratio | 15.6770% | 2,647 |
| Total risk-based capital ratio | 16.9275% | 2,592 |
| Memoranda: | ||
| Average total assets | $374,527,600 | 1,823 |
| Average earning assets | $349,868,600 | 1,784 |
| Average equity | $42,470,400 | 1,573 |
| Average total loans | $290,756,600 | 1,648 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5728% | 4,018 |
| Cost of funding earning assets | 1.2825% | 6,614 |
| Net interest margin | 4.2903% | 1,757 |
| Noninterest income to average assets | 0.1362% | 7,200 |
| Noninterest expense to average assets | 3.1093% | 3,615 |
| Loan and lease loss provision to assets | 0.4362% | 3,723 |
| Net operating income to assets | 0.3725% | 4,507 |
| Return on assets (ROA) | 0.3725% | 4,612 |
| Pretax return on assets | 0.6040% | 4,173 |
| Return on Equity (ROE) | 3.3865% | 4,627 |
| Retained earnings to average equity (ytd only) | 3.0654% | 3,607 |
| Net charge-offs to loans | 0.1965% | 4,837 |
| Credit loss provision to net charge-offs | 285.9189% | 1,465 |
| Earnings coverage of net charge-offs (x) | 6.8187% | 2,538 |
| Efficiency ratio | 74.9320% | 3,704 |
| Assets per employee ($millions) | 5.4890% | 1,625 |
| Cash dividends to net income (ytd only)* | 9.4819% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 4,509 |
| Loan loss allowance to noncurrent loans | 546.4435% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 7,033 |
| Noncurrent loans to loans | 0.2378% | 6,909 |
| Net loans and leases to total assets | 77.4660% | 1,673 |
| Net loans and leases to deposits | 89.9807% | 2,586 |
| Net loans and leases to core deposits | 152.7565% | 515 |
| Total domestic deposits to total assets | 86.0917% | 2,658 |
| Equity capital to assets | 13.1907% | 1,627 |
| Core capital (leverage) ratio | 13.3011% | 1,291 |
| Tier 1 risk-based capital ratio | 16.2534% | 2,533 |
| Total risk-based capital ratio | 17.5038% | 2,475 |
| Memoranda: | ||
| Average total assets | $366,198,250 | 1,872 |
| Average earning assets | $342,560,500 | 1,838 |
| Average equity | $40,277,000 | 1,678 |
| Average total loans | $284,340,000 | 1,707 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5715% | 4,207 |
| Cost of funding earning assets | 1.3639% | 6,607 |
| Net interest margin | 4.2076% | 1,971 |
| Noninterest income to average assets | 0.1721% | 7,057 |
| Noninterest expense to average assets | 3.1178% | 3,632 |
| Loan and lease loss provision to assets | 0.5053% | 3,012 |
| Net operating income to assets | 0.3004% | 4,896 |
| Return on assets (ROA) | 0.3004% | 5,011 |
| Pretax return on assets | 0.4803% | 4,686 |
| Return on Equity (ROE) | 2.9396% | 4,926 |
| Retained earnings to average equity (ytd only) | 2.4125% | 3,988 |
| Net charge-offs to loans | 0.1493% | 4,696 |
| Credit loss provision to net charge-offs | 437.5000% | 1,061 |
| Earnings coverage of net charge-offs (x) | 8.5337% | 2,246 |
| Efficiency ratio | 75.9811% | 3,692 |
| Assets per employee ($millions) | 5.3857% | 1,684 |
| Cash dividends to net income (ytd only)* | 17.9298% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 4,176 |
| Loan loss allowance to noncurrent loans | 664.5329% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 6,337 |
| Noncurrent loans to loans | 0.1983% | 7,021 |
| Net loans and leases to total assets | 77.3914% | 1,883 |
| Net loans and leases to deposits | 86.7195% | 3,413 |
| Net loans and leases to core deposits | 146.3657% | 744 |
| Total domestic deposits to total assets | 89.2433% | 1,150 |
| Equity capital to assets | 9.9631% | 3,991 |
| Core capital (leverage) ratio | 9.8115% | 3,502 |
| Tier 1 risk-based capital ratio | 12.2527% | 4,718 |
| Total risk-based capital ratio | 13.5034% | 4,639 |
| Memoranda: | ||
| Average total assets | $360,187,000 | 1,927 |
| Average earning assets | $336,533,000 | 1,885 |
| Average equity | $36,808,330 | 1,858 |
| Average total loans | $278,597,670 | 1,780 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5454% | 4,662 |
| Cost of funding earning assets | 1.4494% | 6,575 |
| Net interest margin | 4.0960% | 2,290 |
| Noninterest income to average assets | 0.1772% | 7,038 |
| Noninterest expense to average assets | 3.0106% | 3,716 |
| Loan and lease loss provision to assets | 0.6048% | 2,085 |
| Net operating income to assets | 0.2494% | 5,492 |
| Return on assets (ROA) | 0.2494% | 5,656 |
| Pretax return on assets | 0.3916% | 5,424 |
| Return on Equity (ROE) | 2.4087% | 5,619 |
| Retained earnings to average equity (ytd only) | 2.4087% | 4,539 |
| Net charge-offs to loans | 0.2087% | 3,393 |
| Credit loss provision to net charge-offs | 377.4648% | 1,365 |
| Earnings coverage of net charge-offs (x) | 6.2183% | 2,529 |
| Efficiency ratio | 75.1338% | 3,633 |
| Assets per employee ($millions) | 5.2546% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 4,363 |
| Loan loss allowance to noncurrent loans | 874.5050% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 6,508 |
| Noncurrent loans to loans | 0.1437% | 7,109 |
| Net loans and leases to total assets | 76.5434% | 2,149 |
| Net loans and leases to deposits | 85.8962% | 3,650 |
| Net loans and leases to core deposits | 147.9328% | 781 |
| Total domestic deposits to total assets | 89.1116% | 1,187 |
| Equity capital to assets | 10.1460% | 3,833 |
| Core capital (leverage) ratio | 10.0467% | 3,355 |
| Tier 1 risk-based capital ratio | 12.5164% | 4,537 |
| Total risk-based capital ratio | 13.7634% | 4,458 |
| Memoranda: | ||
| Average total assets | $354,475,500 | 1,963 |
| Average earning assets | $331,446,500 | 1,910 |
| Average equity | $36,700,500 | 1,864 |
| Average total loans | $272,179,000 | 1,820 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9539% | 5,789 |
| Cost of funding earning assets | 1.9255% | 6,658 |
| Net interest margin | 4.0283% | 2,990 |
| Noninterest income to average assets | 0.1516% | 7,334 |
| Noninterest expense to average assets | 2.9702% | 4,184 |
| Loan and lease loss provision to assets | 0.3362% | 3,702 |
| Net operating income to assets | 0.4159% | 5,089 |
| Return on assets (ROA) | 0.4159% | 4,904 |
| Pretax return on assets | 0.6400% | 4,572 |
| Return on Equity (ROE) | 3.5545% | 5,014 |
| Retained earnings to average equity (ytd only) | 3.5545% | 2,931 |
| Net charge-offs to loans | 0.0645% | 5,854 |
| Credit loss provision to net charge-offs | 714.5833% | 586 |
| Earnings coverage of net charge-offs (x) | 20.7500% | 1,561 |
| Efficiency ratio | 75.2629% | 3,365 |
| Assets per employee ($millions) | 5.3290% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 4,598 |
| Loan loss allowance to noncurrent loans | 15,695.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 6,613 |
| Noncurrent loans to loans | 0.0076% | 7,525 |
| Net loans and leases to total assets | 75.1088% | 2,852 |
| Net loans and leases to deposits | 84.4721% | 4,342 |
| Net loans and leases to core deposits | 143.7982% | 1,099 |
| Total domestic deposits to total assets | 88.9154% | 1,080 |
| Equity capital to assets | 10.5707% | 3,424 |
| Core capital (leverage) ratio | 10.4001% | 3,073 |
| Tier 1 risk-based capital ratio | 13.1712% | 4,014 |
| Total risk-based capital ratio | 14.3440% | 3,969 |
| Memoranda: | ||
| Average total assets | $306,073,400 | 2,173 |
| Average earning assets | $288,333,600 | 2,114 |
| Average equity | $35,814,200 | 1,879 |
| Average total loans | $223,222,200 | 2,099 |