Home > Premier Bank of Jacksonville > Performance and Condition Ratios
Premier Bank of Jacksonville, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7021% | 4,361 |
| Cost of funding earning assets | 0.6184% | 1,246 |
| Net interest margin | 3.0837% | 4,942 |
| Noninterest income to average assets | 0.4308% | 3,813 |
| Noninterest expense to average assets | 2.3145% | 4,741 |
| Loan and lease loss provision to assets | 0.0738% | 2,796 |
| Net operating income to assets | 0.7798% | 3,422 |
| Return on assets (ROA) | 0.4620% | 4,914 |
| Pretax return on assets | 0.5622% | 4,953 |
| Return on Equity (ROE) | 4.1739% | 4,865 |
| Retained earnings to average equity (ytd only) | -7.2680% | 5,988 |
| Net charge-offs to loans | 0.1259% | 2,119 |
| Credit loss provision to net charge-offs | 130.2752% | 2,011 |
| Earnings coverage of net charge-offs (x) | 18.0734% | 2,034 |
| Efficiency ratio | 69.3337% | 3,338 |
| Assets per employee ($millions) | 4.7699% | 2,648 |
| Cash dividends to net income (ytd only)* | 274.1282% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 1,436 |
| Loan loss allowance to noncurrent loans | 229.6236% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 4,269 |
| Noncurrent loans to loans | 0.7253% | 3,006 |
| Net loans and leases to total assets | 44.5288% | 5,251 |
| Net loans and leases to deposits | 50.1976% | 5,381 |
| Net loans and leases to core deposits | 61.3187% | 4,907 |
| Total domestic deposits to total assets | 88.7071% | 1,282 |
| Equity capital to assets | 10.9182% | 2,908 |
| Core capital (leverage) ratio | 10.5508% | 2,881 |
| Tier 1 risk-based capital ratio | 18.3957% | 1,858 |
| Total risk-based capital ratio | 19.6456% | 1,806 |
| Memoranda: | ||
| Average total assets | $192,441,600 | 3,017 |
| Average earning assets | $181,437,200 | 2,987 |
| Average equity | $21,298,800 | 3,040 |
| Average total loans | $86,579,600 | 3,662 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7125% | 4,380 |
| Cost of funding earning assets | 0.6138% | 1,318 |
| Net interest margin | 3.0987% | 4,972 |
| Noninterest income to average assets | 0.4542% | 3,682 |
| Noninterest expense to average assets | 2.2400% | 4,940 |
| Loan and lease loss provision to assets | 0.0948% | 2,273 |
| Net operating income to assets | 0.7444% | 3,706 |
| Return on assets (ROA) | 0.7627% | 3,718 |
| Pretax return on assets | 1.0657% | 3,346 |
| Return on Equity (ROE) | 6.8689% | 3,695 |
| Retained earnings to average equity (ytd only) | 4.5360% | 3,242 |
| Net charge-offs to loans | 0.1377% | 1,748 |
| Credit loss provision to net charge-offs | 153.3333% | 1,648 |
| Earnings coverage of net charge-offs (x) | 18.3551% | 2,004 |
| Efficiency ratio | 66.3681% | 3,823 |
| Assets per employee ($millions) | 4.8086% | 2,552 |
| Cash dividends to net income (ytd only)* | 33.9638% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6305% | 1,673 |
| Loan loss allowance to noncurrent loans | 255.9567% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 4,553 |
| Noncurrent loans to loans | 0.6370% | 3,409 |
| Net loans and leases to total assets | 43.3919% | 5,395 |
| Net loans and leases to deposits | 48.9355% | 5,517 |
| Net loans and leases to core deposits | 59.5904% | 5,093 |
| Total domestic deposits to total assets | 88.6717% | 1,188 |
| Equity capital to assets | 11.1401% | 2,862 |
| Core capital (leverage) ratio | 11.2488% | 2,247 |
| Tier 1 risk-based capital ratio | 19.8354% | 1,591 |
| Total risk-based capital ratio | 21.0850% | 1,553 |
| Memoranda: | ||
| Average total assets | $194,045,000 | 3,028 |
| Average earning assets | $182,910,500 | 2,997 |
| Average equity | $21,545,750 | 3,040 |
| Average total loans | $87,164,750 | 3,692 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7409% | 4,274 |
| Cost of funding earning assets | 0.6156% | 1,310 |
| Net interest margin | 3.1253% | 4,898 |
| Noninterest income to average assets | 0.4280% | 3,869 |
| Noninterest expense to average assets | 2.2206% | 5,056 |
| Loan and lease loss provision to assets | 0.1430% | 1,527 |
| Net operating income to assets | 0.7088% | 3,850 |
| Return on assets (ROA) | 0.7088% | 3,973 |
| Pretax return on assets | 1.0051% | 3,572 |
| Return on Equity (ROE) | 6.3905% | 3,936 |
| Retained earnings to average equity (ytd only) | 3.8026% | 3,588 |
| Net charge-offs to loans | 0.1536% | 1,562 |
| Credit loss provision to net charge-offs | 205.9701% | 1,203 |
| Earnings coverage of net charge-offs (x) | 16.5373% | 1,902 |
| Efficiency ratio | 65.9182% | 4,028 |
| Assets per employee ($millions) | 4.6647% | 2,725 |
| Cash dividends to net income (ytd only)* | 40.4971% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6818% | 1,651 |
| Loan loss allowance to noncurrent loans | 198.2118% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 4,323 |
| Noncurrent loans to loans | 0.8485% | 3,006 |
| Net loans and leases to total assets | 42.9983% | 5,436 |
| Net loans and leases to deposits | 48.2458% | 5,583 |
| Net loans and leases to core deposits | 58.5125% | 5,159 |
| Total domestic deposits to total assets | 89.1235% | 1,082 |
| Equity capital to assets | 10.7142% | 3,203 |
| Core capital (leverage) ratio | 11.4117% | 2,064 |
| Tier 1 risk-based capital ratio | 19.8703% | 1,580 |
| Total risk-based capital ratio | 21.1208% | 1,537 |
| Memoranda: | ||
| Average total assets | $193,009,330 | 3,065 |
| Average earning assets | $181,616,000 | 3,031 |
| Average equity | $21,406,670 | 3,070 |
| Average total loans | $87,231,000 | 3,708 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7795% | 4,091 |
| Cost of funding earning assets | 0.6173% | 1,323 |
| Net interest margin | 3.1621% | 4,747 |
| Noninterest income to average assets | 0.3487% | 4,411 |
| Noninterest expense to average assets | 2.1968% | 5,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8186% | 3,162 |
| Return on assets (ROA) | 0.8186% | 3,292 |
| Pretax return on assets | 1.1255% | 2,971 |
| Return on Equity (ROE) | 7.2544% | 3,364 |
| Retained earnings to average equity (ytd only) | 4.9041% | 3,108 |
| Net charge-offs to loans | 0.2773% | 869 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 8.8361% | 2,054 |
| Efficiency ratio | 66.1219% | 4,139 |
| Assets per employee ($millions) | 5.0587% | 2,278 |
| Cash dividends to net income (ytd only)* | 32.3980% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 2,240 |
| Loan loss allowance to noncurrent loans | 331.3924% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.2299% | 5,014 |
| Noncurrent loans to loans | 0.4675% | 4,180 |
| Net loans and leases to total assets | 43.2719% | 5,404 |
| Net loans and leases to deposits | 49.5671% | 5,489 |
| Net loans and leases to core deposits | 61.1866% | 4,899 |
| Total domestic deposits to total assets | 87.2997% | 2,217 |
| Equity capital to assets | 11.4347% | 2,529 |
| Core capital (leverage) ratio | 11.3092% | 2,152 |
| Tier 1 risk-based capital ratio | 19.9028% | 1,653 |
| Total risk-based capital ratio | 21.1101% | 1,620 |
| Memoranda: | ||
| Average total assets | $191,555,500 | 3,101 |
| Average earning assets | $180,132,000 | 3,069 |
| Average equity | $21,614,500 | 3,060 |
| Average total loans | $88,005,500 | 3,698 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 2,971 |
| Cost of funding earning assets | 0.7496% | 846 |
| Net interest margin | 3.4457% | 4,001 |
| Noninterest income to average assets | 0.4975% | 3,532 |
| Noninterest expense to average assets | 2.2483% | 5,250 |
| Loan and lease loss provision to assets | 0.1039% | 2,420 |
| Net operating income to assets | 0.9647% | 2,561 |
| Return on assets (ROA) | 0.9767% | 2,574 |
| Pretax return on assets | 1.4018% | 1,880 |
| Return on Equity (ROE) | 9.7128% | 2,248 |
| Retained earnings to average equity (ytd only) | 4.9421% | 2,642 |
| Net charge-offs to loans | 2.8546% | 40 |
| Credit loss provision to net charge-offs | 7.1980% | 4,134 |
| Earnings coverage of net charge-offs (x) | 1.0316% | 4,510 |
| Efficiency ratio | 60.1681% | 5,200 |
| Assets per employee ($millions) | 5.0232% | 2,291 |
| Cash dividends to net income (ytd only)* | 49.1183% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 2,493 |
| Loan loss allowance to noncurrent loans | 282.4742% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 4,268 |
| Noncurrent loans to loans | 0.5299% | 4,077 |
| Net loans and leases to total assets | 47.2286% | 5,228 |
| Net loans and leases to deposits | 54.3432% | 5,305 |
| Net loans and leases to core deposits | 68.1818% | 4,486 |
| Total domestic deposits to total assets | 86.9080% | 2,330 |
| Equity capital to assets | 11.1316% | 2,770 |
| Core capital (leverage) ratio | 11.1598% | 2,249 |
| Tier 1 risk-based capital ratio | 20.7771% | 1,447 |
| Total risk-based capital ratio | 22.0278% | 1,422 |
| Memoranda: | ||
| Average total assets | $197,391,200 | 3,029 |
| Average earning assets | $185,564,000 | 2,969 |
| Average equity | $19,850,000 | 3,178 |
| Average total loans | $99,769,800 | 3,428 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2245% | 2,908 |
| Cost of funding earning assets | 0.7804% | 761 |
| Net interest margin | 3.4441% | 4,044 |
| Noninterest income to average assets | 0.4596% | 3,829 |
| Noninterest expense to average assets | 2.1559% | 5,446 |
| Loan and lease loss provision to assets | 0.3383% | 534 |
| Net operating income to assets | 0.7965% | 3,445 |
| Return on assets (ROA) | 0.8093% | 3,486 |
| Pretax return on assets | 1.2253% | 2,672 |
| Return on Equity (ROE) | 8.2594% | 3,060 |
| Retained earnings to average equity (ytd only) | 4.8544% | 3,182 |
| Net charge-offs to loans | 0.7489% | 453 |
| Credit loss provision to net charge-offs | 88.2867% | 2,465 |
| Earnings coverage of net charge-offs (x) | 4.0297% | 3,546 |
| Efficiency ratio | 58.2654% | 5,410 |
| Assets per employee ($millions) | 5.1813% | 2,036 |
| Cash dividends to net income (ytd only)* | 41.2249% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1639% | 142 |
| Loan loss allowance to noncurrent loans | 102.1486% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 2.2294% | 1,234 |
| Noncurrent loans to loans | 4.0763% | 507 |
| Net loans and leases to total assets | 47.3749% | 5,263 |
| Net loans and leases to deposits | 54.1578% | 5,375 |
| Net loans and leases to core deposits | 68.3265% | 4,478 |
| Total domestic deposits to total assets | 87.4757% | 2,043 |
| Equity capital to assets | 10.6611% | 3,356 |
| Core capital (leverage) ratio | 10.5937% | 2,930 |
| Tier 1 risk-based capital ratio | 20.1444% | 1,636 |
| Total risk-based capital ratio | 21.4256% | 1,595 |
| Memoranda: | ||
| Average total assets | $199,019,000 | 3,034 |
| Average earning assets | $187,253,750 | 2,969 |
| Average equity | $19,500,500 | 3,224 |
| Average total loans | $101,832,250 | 3,414 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2038% | 2,939 |
| Cost of funding earning assets | 0.7926% | 744 |
| Net interest margin | 3.4112% | 4,132 |
| Noninterest income to average assets | 0.4348% | 3,988 |
| Noninterest expense to average assets | 2.1573% | 5,510 |
| Loan and lease loss provision to assets | 0.4547% | 351 |
| Net operating income to assets | 0.6760% | 3,964 |
| Return on assets (ROA) | 0.6969% | 3,946 |
| Pretax return on assets | 1.0633% | 3,235 |
| Return on Equity (ROE) | 7.3171% | 3,458 |
| Retained earnings to average equity (ytd only) | 3.5856% | 3,910 |
| Net charge-offs to loans | 0.7736% | 488 |
| Credit loss provision to net charge-offs | 113.6476% | 1,776 |
| Earnings coverage of net charge-offs (x) | 3.7146% | 3,236 |
| Efficiency ratio | 59.2098% | 5,402 |
| Assets per employee ($millions) | 5.0339% | 2,169 |
| Cash dividends to net income (ytd only)* | 50.9972% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0505% | 168 |
| Loan loss allowance to noncurrent loans | 102.8832% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 2.1102% | 1,476 |
| Noncurrent loans to loans | 3.9370% | 610 |
| Net loans and leases to total assets | 47.8580% | 5,184 |
| Net loans and leases to deposits | 54.1824% | 5,343 |
| Net loans and leases to core deposits | 67.3879% | 4,516 |
| Total domestic deposits to total assets | 88.3275% | 1,723 |
| Equity capital to assets | 9.9645% | 4,161 |
| Core capital (leverage) ratio | 10.2946% | 3,223 |
| Tier 1 risk-based capital ratio | 18.7482% | 1,990 |
| Total risk-based capital ratio | 20.0282% | 1,942 |
| Memoranda: | ||
| Average total assets | $201,456,330 | 3,014 |
| Average earning assets | $189,494,330 | 2,958 |
| Average equity | $19,188,000 | 3,255 |
| Average total loans | $104,187,330 | 3,372 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 2,517 |
| Cost of funding earning assets | 0.8053% | 730 |
| Net interest margin | 3.4958% | 3,716 |
| Noninterest income to average assets | 0.4367% | 3,890 |
| Noninterest expense to average assets | 2.1736% | 5,531 |
| Loan and lease loss provision to assets | 0.5896% | 230 |
| Net operating income to assets | 0.6299% | 4,044 |
| Return on assets (ROA) | 0.6312% | 4,129 |
| Pretax return on assets | 0.9588% | 3,479 |
| Return on Equity (ROE) | 6.7840% | 3,594 |
| Retained earnings to average equity (ytd only) | 5.0773% | 3,076 |
| Net charge-offs to loans | 0.5317% | 694 |
| Credit loss provision to net charge-offs | 210.6383% | 1,000 |
| Earnings coverage of net charge-offs (x) | 5.5248% | 2,362 |
| Efficiency ratio | 58.4312% | 5,606 |
| Assets per employee ($millions) | 5.1540% | 2,062 |
| Cash dividends to net income (ytd only)* | 25.1572% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9697% | 196 |
| Loan loss allowance to noncurrent loans | 90.7488% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 2.3154% | 1,414 |
| Noncurrent loans to loans | 4.3744% | 574 |
| Net loans and leases to total assets | 50.1736% | 4,891 |
| Net loans and leases to deposits | 56.5679% | 5,066 |
| Net loans and leases to core deposits | 68.1575% | 4,290 |
| Total domestic deposits to total assets | 88.6964% | 1,835 |
| Equity capital to assets | 9.5669% | 4,408 |
| Core capital (leverage) ratio | 10.1019% | 3,425 |
| Tier 1 risk-based capital ratio | 18.2262% | 2,193 |
| Total risk-based capital ratio | 19.5064% | 2,153 |
| Memoranda: | ||
| Average total assets | $201,507,500 | 3,032 |
| Average earning assets | $189,256,500 | 2,982 |
| Average equity | $18,750,000 | 3,317 |
| Average total loans | $106,065,000 | 3,341 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1339% | 3,606 |
| Cost of funding earning assets | 0.9476% | 585 |
| Net interest margin | 3.1863% | 5,045 |
| Noninterest income to average assets | 0.5456% | 3,433 |
| Noninterest expense to average assets | 2.1380% | 5,752 |
| Loan and lease loss provision to assets | 0.3291% | 985 |
| Net operating income to assets | 0.6428% | 4,063 |
| Return on assets (ROA) | 0.6554% | 4,110 |
| Pretax return on assets | 1.0982% | 2,954 |
| Return on Equity (ROE) | 7.4348% | 3,339 |
| Retained earnings to average equity (ytd only) | 5.8088% | 2,092 |
| Net charge-offs to loans | 0.7443% | 864 |
| Credit loss provision to net charge-offs | 80.5075% | 3,032 |
| Earnings coverage of net charge-offs (x) | 3.4429% | 3,851 |
| Efficiency ratio | 60.3006% | 5,429 |
| Assets per employee ($millions) | 5.1797% | 1,978 |
| Cash dividends to net income (ytd only)* | 21.8705% | 3,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7467% | 236 |
| Loan loss allowance to noncurrent loans | 83.0677% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 2.4212% | 1,433 |
| Noncurrent loans to loans | 4.5104% | 587 |
| Net loans and leases to total assets | 51.0353% | 4,965 |
| Net loans and leases to deposits | 57.1520% | 5,196 |
| Net loans and leases to core deposits | 69.2854% | 4,368 |
| Total domestic deposits to total assets | 89.2975% | 1,431 |
| Equity capital to assets | 9.0442% | 4,975 |
| Core capital (leverage) ratio | 9.7216% | 3,957 |
| Tier 1 risk-based capital ratio | 18.0548% | 2,233 |
| Total risk-based capital ratio | 19.3335% | 2,190 |
| Memoranda: | ||
| Average total assets | $212,071,200 | 2,894 |
| Average earning assets | $199,667,600 | 2,828 |
| Average equity | $18,695,800 | 3,314 |
| Average total loans | $116,487,400 | 3,121 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0178% | 4,062 |
| Cost of funding earning assets | 0.9573% | 614 |
| Net interest margin | 3.0605% | 5,431 |
| Noninterest income to average assets | 0.5797% | 3,271 |
| Noninterest expense to average assets | 2.0802% | 5,873 |
| Loan and lease loss provision to assets | 0.3355% | 978 |
| Net operating income to assets | 0.5961% | 4,363 |
| Return on assets (ROA) | 0.6064% | 4,449 |
| Pretax return on assets | 1.0643% | 3,248 |
| Return on Equity (ROE) | 6.9210% | 3,698 |
| Retained earnings to average equity (ytd only) | 5.2262% | 2,914 |
| Net charge-offs to loans | 0.7753% | 766 |
| Credit loss provision to net charge-offs | 78.1476% | 2,890 |
| Earnings coverage of net charge-offs (x) | 3.2229% | 3,762 |
| Efficiency ratio | 60.0538% | 5,428 |
| Assets per employee ($millions) | 4.9789% | 2,192 |
| Cash dividends to net income (ytd only)* | 24.4878% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5412% | 325 |
| Loan loss allowance to noncurrent loans | 88.0349% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 2.2509% | 1,761 |
| Noncurrent loans to loans | 4.0225% | 865 |
| Net loans and leases to total assets | 52.5209% | 4,816 |
| Net loans and leases to deposits | 58.6933% | 5,111 |
| Net loans and leases to core deposits | 71.2701% | 4,181 |
| Total domestic deposits to total assets | 89.4837% | 1,312 |
| Equity capital to assets | 8.8096% | 5,411 |
| Core capital (leverage) ratio | 9.3547% | 4,602 |
| Tier 1 risk-based capital ratio | 16.9712% | 2,718 |
| Total risk-based capital ratio | 18.2478% | 2,672 |
| Memoranda: | ||
| Average total assets | $214,586,750 | 2,891 |
| Average earning assets | $202,230,250 | 2,823 |
| Average equity | $18,802,250 | 3,336 |
| Average total loans | $118,832,000 | 3,081 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8471% | 4,660 |
| Cost of funding earning assets | 0.9603% | 672 |
| Net interest margin | 2.8868% | 5,819 |
| Noninterest income to average assets | 0.6599% | 2,857 |
| Noninterest expense to average assets | 2.0544% | 5,953 |
| Loan and lease loss provision to assets | 0.3401% | 993 |
| Net operating income to assets | 0.5561% | 4,521 |
| Return on assets (ROA) | 0.5721% | 4,611 |
| Pretax return on assets | 1.0129% | 3,450 |
| Return on Equity (ROE) | 6.5402% | 3,859 |
| Retained earnings to average equity (ytd only) | 4.3214% | 3,528 |
| Net charge-offs to loans | 0.5361% | 1,233 |
| Credit loss provision to net charge-offs | 113.9319% | 1,939 |
| Earnings coverage of net charge-offs (x) | 4.4489% | 3,124 |
| Efficiency ratio | 60.7377% | 5,374 |
| Assets per employee ($millions) | 4.8252% | 2,333 |
| Cash dividends to net income (ytd only)* | 33.9257% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6104% | 341 |
| Loan loss allowance to noncurrent loans | 91.9913% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 2.2241% | 1,939 |
| Noncurrent loans to loans | 3.9247% | 1,007 |
| Net loans and leases to total assets | 53.1539% | 4,713 |
| Net loans and leases to deposits | 59.0426% | 5,065 |
| Net loans and leases to core deposits | 71.1652% | 4,152 |
| Total domestic deposits to total assets | 90.0264% | 1,008 |
| Equity capital to assets | 8.3091% | 5,965 |
| Core capital (leverage) ratio | 9.1312% | 4,784 |
| Tier 1 risk-based capital ratio | 16.5594% | 2,911 |
| Total risk-based capital ratio | 17.8377% | 2,855 |
| Memoranda: | ||
| Average total assets | $216,411,330 | 2,884 |
| Average earning assets | $204,099,330 | 2,820 |
| Average equity | $18,929,000 | 3,341 |
| Average total loans | $120,489,330 | 3,065 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8479% | 4,655 |
| Cost of funding earning assets | 0.9688% | 711 |
| Net interest margin | 2.8791% | 5,860 |
| Noninterest income to average assets | 0.6830% | 2,687 |
| Noninterest expense to average assets | 2.0525% | 6,003 |
| Loan and lease loss provision to assets | 0.0769% | 3,346 |
| Net operating income to assets | 0.7602% | 3,378 |
| Return on assets (ROA) | 0.7837% | 3,388 |
| Pretax return on assets | 1.3110% | 2,194 |
| Return on Equity (ROE) | 8.7467% | 2,604 |
| Retained earnings to average equity (ytd only) | 7.6227% | 1,888 |
| Net charge-offs to loans | 0.4681% | 1,281 |
| Credit loss provision to net charge-offs | 29.3706% | 2,898 |
| Earnings coverage of net charge-offs (x) | 5.1608% | 2,402 |
| Efficiency ratio | 60.3012% | 5,547 |
| Assets per employee ($millions) | 4.9639% | 2,264 |
| Cash dividends to net income (ytd only)* | 12.8505% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4491% | 440 |
| Loan loss allowance to noncurrent loans | 129.5556% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 1.5004% | 3,004 |
| Noncurrent loans to loans | 2.6623% | 1,932 |
| Net loans and leases to total assets | 52.3048% | 4,663 |
| Net loans and leases to deposits | 58.5388% | 4,969 |
| Net loans and leases to core deposits | 70.2335% | 4,049 |
| Total domestic deposits to total assets | 89.3508% | 1,455 |
| Equity capital to assets | 8.9602% | 5,539 |
| Core capital (leverage) ratio | 8.9762% | 4,927 |
| Tier 1 risk-based capital ratio | 16.7344% | 2,890 |
| Total risk-based capital ratio | 18.0121% | 2,844 |
| Memoranda: | ||
| Average total assets | $218,462,000 | 2,891 |
| Average earning assets | $206,450,000 | 2,827 |
| Average equity | $19,573,000 | 3,303 |
| Average total loans | $122,195,000 | 3,043 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6046% | 2,980 |
| Cost of funding earning assets | 1.2026% | 571 |
| Net interest margin | 3.4020% | 4,876 |
| Noninterest income to average assets | 0.5922% | 3,321 |
| Noninterest expense to average assets | 2.0710% | 6,190 |
| Loan and lease loss provision to assets | 1.2509% | 282 |
| Net operating income to assets | 0.4148% | 5,035 |
| Return on assets (ROA) | 0.5422% | 4,764 |
| Pretax return on assets | 0.6391% | 4,852 |
| Return on Equity (ROE) | 6.8943% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.2255% | 1,962 |
| Net charge-offs to loans | 0.8332% | 1,392 |
| Credit loss provision to net charge-offs | 237.8333% | 1,044 |
| Earnings coverage of net charge-offs (x) | 3.3083% | 3,778 |
| Efficiency ratio | 54.3416% | 6,236 |
| Assets per employee ($millions) | 5.7504% | 1,476 |
| Cash dividends to net income (ytd only)* | 9.7009% | 4,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3172% | 499 |
| Loan loss allowance to noncurrent loans | 162.5340% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 1.2301% | 3,599 |
| Noncurrent loans to loans | 2.0409% | 2,652 |
| Net loans and leases to total assets | 55.7804% | 4,331 |
| Net loans and leases to deposits | 62.3781% | 4,742 |
| Net loans and leases to core deposits | 74.8128% | 3,680 |
| Total domestic deposits to total assets | 89.4231% | 1,287 |
| Equity capital to assets | 8.9587% | 5,567 |
| Core capital (leverage) ratio | 8.5769% | 5,493 |
| Tier 1 risk-based capital ratio | 15.4729% | 3,439 |
| Total risk-based capital ratio | 16.7491% | 3,385 |
| Memoranda: | ||
| Average total assets | $228,149,000 | 2,747 |
| Average earning assets | $215,871,600 | 2,661 |
| Average equity | $17,942,400 | 3,475 |
| Average total loans | $144,026,000 | 2,665 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7384% | 2,628 |
| Cost of funding earning assets | 1.2462% | 562 |
| Net interest margin | 3.4922% | 4,681 |
| Noninterest income to average assets | 0.5667% | 3,495 |
| Noninterest expense to average assets | 2.0090% | 6,341 |
| Loan and lease loss provision to assets | 1.6504% | 178 |
| Net operating income to assets | 0.2388% | 5,812 |
| Return on assets (ROA) | 0.4297% | 5,357 |
| Pretax return on assets | 0.4071% | 5,701 |
| Return on Equity (ROE) | 5.6498% | 4,508 |
| Retained earnings to average equity (ytd only) | 5.2316% | 3,204 |
| Net charge-offs to loans | 0.9310% | 1,164 |
| Credit loss provision to net charge-offs | 275.2170% | 987 |
| Earnings coverage of net charge-offs (x) | 3.1128% | 3,779 |
| Efficiency ratio | 51.8353% | 6,464 |
| Assets per employee ($millions) | 5.1463% | 1,995 |
| Cash dividends to net income (ytd only)* | 7.4023% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1687% | 619 |
| Loan loss allowance to noncurrent loans | 186.8014% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 1.0497% | 4,199 |
| Noncurrent loans to loans | 1.6963% | 3,244 |
| Net loans and leases to total assets | 57.3345% | 4,236 |
| Net loans and leases to deposits | 65.5950% | 4,518 |
| Net loans and leases to core deposits | 78.4805% | 3,399 |
| Total domestic deposits to total assets | 87.4068% | 2,417 |
| Equity capital to assets | 8.4790% | 6,282 |
| Core capital (leverage) ratio | 8.1591% | 6,181 |
| Tier 1 risk-based capital ratio | 13.9259% | 4,585 |
| Total risk-based capital ratio | 15.2001% | 4,517 |
| Memoranda: | ||
| Average total assets | $230,557,750 | 2,746 |
| Average earning assets | $218,463,750 | 2,658 |
| Average equity | $17,534,000 | 3,563 |
| Average total loans | $148,515,000 | 2,626 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9010% | 2,103 |
| Cost of funding earning assets | 1.2346% | 702 |
| Net interest margin | 3.6664% | 3,968 |
| Noninterest income to average assets | 0.5447% | 3,618 |
| Noninterest expense to average assets | 1.9669% | 6,496 |
| Loan and lease loss provision to assets | 2.4177% | 92 |
| Net operating income to assets | -0.3684% | 6,658 |
| Return on assets (ROA) | -0.2320% | 6,630 |
| Pretax return on assets | -0.2233% | 6,599 |
| Return on Equity (ROE) | -3.1723% | 6,684 |
| Retained earnings to average equity (ytd only) | -3.8257% | 6,541 |
| Net charge-offs to loans | 1.1792% | 918 |
| Credit loss provision to net charge-offs | 309.9109% | 949 |
| Earnings coverage of net charge-offs (x) | 2.6381% | 3,689 |
| Efficiency ratio | 48.8668% | 6,722 |
| Assets per employee ($millions) | 5.4848% | 1,637 |
| Cash dividends to net income (ytd only)* | -20.5993% | 7,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0375% | 749 |
| Loan loss allowance to noncurrent loans | 188.1074% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 1.0774% | 4,229 |
| Noncurrent loans to loans | 1.6147% | 3,485 |
| Net loans and leases to total assets | 61.1531% | 3,598 |
| Net loans and leases to deposits | 68.9766% | 4,040 |
| Net loans and leases to core deposits | 84.0636% | 2,683 |
| Total domestic deposits to total assets | 88.6578% | 1,733 |
| Equity capital to assets | 7.2035% | 6,869 |
| Core capital (leverage) ratio | 6.7515% | 6,876 |
| Tier 1 risk-based capital ratio | 10.9686% | 6,516 |
| Total risk-based capital ratio | 12.2411% | 6,483 |
| Memoranda: | ||
| Average total assets | $230,215,330 | 2,750 |
| Average earning assets | $218,527,330 | 2,662 |
| Average equity | $16,833,330 | 3,673 |
| Average total loans | $152,312,330 | 2,578 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0897% | 1,604 |
| Cost of funding earning assets | 1.2367% | 819 |
| Net interest margin | 3.8529% | 3,125 |
| Noninterest income to average assets | 0.5579% | 3,514 |
| Noninterest expense to average assets | 1.9049% | 6,636 |
| Loan and lease loss provision to assets | 0.4345% | 1,440 |
| Net operating income to assets | 0.9693% | 2,595 |
| Return on assets (ROA) | 1.0828% | 2,341 |
| Pretax return on assets | 2.0561% | 679 |
| Return on Equity (ROE) | 14.6995% | 1,041 |
| Retained earnings to average equity (ytd only) | 13.4018% | 629 |
| Net charge-offs to loans | 0.6469% | 1,512 |
| Credit loss provision to net charge-offs | 99.2063% | 2,389 |
| Earnings coverage of net charge-offs (x) | 5.2817% | 2,405 |
| Efficiency ratio | 45.1586% | 6,943 |
| Assets per employee ($millions) | 5.4564% | 1,735 |
| Cash dividends to net income (ytd only)* | 8.8283% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6869% | 3,398 |
| Loan loss allowance to noncurrent loans | 94.5734% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.1708% | 4,174 |
| Noncurrent loans to loans | 1.7837% | 3,433 |
| Net loans and leases to total assets | 62.7687% | 3,105 |
| Net loans and leases to deposits | 70.9938% | 3,590 |
| Net loans and leases to core deposits | 88.3211% | 2,017 |
| Total domestic deposits to total assets | 88.4143% | 2,062 |
| Equity capital to assets | 7.3189% | 6,844 |
| Core capital (leverage) ratio | 7.2263% | 6,751 |
| Tier 1 risk-based capital ratio | 11.0067% | 6,528 |
| Total risk-based capital ratio | 12.2621% | 6,516 |
| Memoranda: | ||
| Average total assets | $230,142,500 | 2,765 |
| Average earning assets | $218,639,500 | 2,668 |
| Average equity | $16,953,000 | 3,656 |
| Average total loans | $155,825,500 | 2,542 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1275% | 348 |
| Cost of funding earning assets | 1.2285% | 1,845 |
| Net interest margin | 4.8991% | 511 |
| Noninterest income to average assets | 0.5716% | 3,353 |
| Noninterest expense to average assets | 2.1133% | 6,467 |
| Loan and lease loss provision to assets | 0.7958% | 1,243 |
| Net operating income to assets | 1.2646% | 1,338 |
| Return on assets (ROA) | 1.2739% | 1,412 |
| Pretax return on assets | 2.2939% | 307 |
| Return on Equity (ROE) | 16.6134% | 521 |
| Retained earnings to average equity (ytd only) | 16.1225% | 95 |
| Net charge-offs to loans | 0.2436% | 4,258 |
| Credit loss provision to net charge-offs | 443.1138% | 513 |
| Earnings coverage of net charge-offs (x) | 17.1228% | 1,291 |
| Efficiency ratio | 40.7296% | 7,199 |
| Assets per employee ($millions) | 5.9384% | 1,278 |
| Cash dividends to net income (ytd only)* | 2.9548% | 4,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5619% | 3,743 |
| Loan loss allowance to noncurrent loans | 162.3635% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.6900% | 5,266 |
| Noncurrent loans to loans | 0.9620% | 4,784 |
| Net loans and leases to total assets | 70.6040% | 1,904 |
| Net loans and leases to deposits | 80.3256% | 2,465 |
| Net loans and leases to core deposits | 101.4234% | 1,068 |
| Total domestic deposits to total assets | 87.8973% | 2,224 |
| Equity capital to assets | 7.4156% | 6,850 |
| Core capital (leverage) ratio | 7.3929% | 6,704 |
| Tier 1 risk-based capital ratio | 9.8997% | 6,878 |
| Total risk-based capital ratio | 11.1535% | 6,868 |
| Memoranda: | ||
| Average total assets | $185,968,400 | 3,247 |
| Average earning assets | $175,258,000 | 3,156 |
| Average equity | $14,259,600 | 4,055 |
| Average total loans | $137,103,600 | 2,855 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1227% | 380 |
| Cost of funding earning assets | 1.1918% | 2,369 |
| Net interest margin | 4.9308% | 476 |
| Noninterest income to average assets | 0.5748% | 3,336 |
| Noninterest expense to average assets | 2.1676% | 6,351 |
| Loan and lease loss provision to assets | 0.7778% | 1,208 |
| Net operating income to assets | 1.3623% | 1,239 |
| Return on assets (ROA) | 1.3754% | 1,291 |
| Pretax return on assets | 2.2872% | 363 |
| Return on Equity (ROE) | 17.7499% | 480 |
| Retained earnings to average equity (ytd only) | 17.5056% | 124 |
| Net charge-offs to loans | 0.2353% | 3,952 |
| Credit loss provision to net charge-offs | 444.5887% | 626 |
| Earnings coverage of net charge-offs (x) | 17.4027% | 1,352 |
| Efficiency ratio | 41.5867% | 7,223 |
| Assets per employee ($millions) | 5.3307% | 1,771 |
| Cash dividends to net income (ytd only)* | 1.3766% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 4,560 |
| Loan loss allowance to noncurrent loans | 191.2204% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.5479% | 5,740 |
| Noncurrent loans to loans | 0.7323% | 5,411 |
| Net loans and leases to total assets | 73.7613% | 1,358 |
| Net loans and leases to deposits | 83.9675% | 2,005 |
| Net loans and leases to core deposits | 106.9178% | 815 |
| Total domestic deposits to total assets | 87.8451% | 2,134 |
| Equity capital to assets | 7.3675% | 6,961 |
| Core capital (leverage) ratio | 7.5002% | 6,765 |
| Tier 1 risk-based capital ratio | 9.1977% | 7,089 |
| Total risk-based capital ratio | 10.4490% | 7,088 |
| Memoranda: | ||
| Average total assets | $176,045,500 | 3,410 |
| Average earning assets | $165,566,750 | 3,329 |
| Average equity | $13,641,000 | 4,203 |
| Average total loans | $130,916,250 | 2,991 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0494% | 434 |
| Cost of funding earning assets | 1.1733% | 2,758 |
| Net interest margin | 4.8761% | 515 |
| Noninterest income to average assets | 0.5936% | 3,181 |
| Noninterest expense to average assets | 2.3019% | 6,121 |
| Loan and lease loss provision to assets | 0.6795% | 1,416 |
| Net operating income to assets | 1.3303% | 1,244 |
| Return on assets (ROA) | 1.3504% | 1,264 |
| Pretax return on assets | 2.2209% | 398 |
| Return on Equity (ROE) | 17.0765% | 542 |
| Retained earnings to average equity (ytd only) | 17.0765% | 165 |
| Net charge-offs to loans | 0.2347% | 3,714 |
| Credit loss provision to net charge-offs | 390.2778% | 772 |
| Earnings coverage of net charge-offs (x) | 16.4792% | 1,340 |
| Efficiency ratio | 44.5172% | 7,216 |
| Assets per employee ($millions) | 4.8410% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 5,003 |
| Loan loss allowance to noncurrent loans | 372.6708% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 6,439 |
| Noncurrent loans to loans | 0.3521% | 6,217 |
| Net loans and leases to total assets | 77.6785% | 820 |
| Net loans and leases to deposits | 89.3252% | 1,343 |
| Net loans and leases to core deposits | 103.1641% | 1,108 |
| Total domestic deposits to total assets | 86.9615% | 2,760 |
| Equity capital to assets | 8.2782% | 6,448 |
| Core capital (leverage) ratio | 8.2853% | 5,892 |
| Tier 1 risk-based capital ratio | 9.8917% | 7,010 |
| Total risk-based capital ratio | 11.1490% | 7,008 |
| Memoranda: | ||
| Average total assets | $165,427,670 | 3,603 |
| Average earning assets | $155,287,670 | 3,537 |
| Average equity | $13,082,330 | 4,323 |
| Average total loans | $122,712,670 | 3,178 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8588% | 660 |
| Cost of funding earning assets | 1.1987% | 2,828 |
| Net interest margin | 4.6600% | 762 |
| Noninterest income to average assets | 0.5764% | 3,331 |
| Noninterest expense to average assets | 2.3503% | 6,048 |
| Loan and lease loss provision to assets | 0.6882% | 1,230 |
| Net operating income to assets | 1.2248% | 1,464 |
| Return on assets (ROA) | 1.2248% | 1,520 |
| Pretax return on assets | 1.9130% | 660 |
| Return on Equity (ROE) | 15.8904% | 691 |
| Retained earnings to average equity (ytd only) | 15.8904% | 329 |
| Net charge-offs to loans | 0.2355% | 3,136 |
| Credit loss provision to net charge-offs | 407.3529% | 829 |
| Earnings coverage of net charge-offs (x) | 15.3971% | 1,316 |
| Efficiency ratio | 47.4661% | 7,135 |
| Assets per employee ($millions) | 4.4418% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 5,029 |
| Loan loss allowance to noncurrent loans | 260.8197% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 6,279 |
| Noncurrent loans to loans | 0.5066% | 6,007 |
| Net loans and leases to total assets | 72.2943% | 1,661 |
| Net loans and leases to deposits | 83.7595% | 2,071 |
| Net loans and leases to core deposits | 93.3558% | 1,969 |
| Total domestic deposits to total assets | 86.3117% | 3,335 |
| Equity capital to assets | 8.2272% | 6,253 |
| Core capital (leverage) ratio | 8.2867% | 5,830 |
| Tier 1 risk-based capital ratio | 10.6160% | 6,741 |
| Total risk-based capital ratio | 11.8735% | 6,720 |
| Memoranda: | ||
| Average total assets | $161,003,500 | 3,690 |
| Average earning assets | $151,158,500 | 3,621 |
| Average equity | $12,410,000 | 4,466 |
| Average total loans | $115,481,500 | 3,354 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8978% | 1,051 |
| Cost of funding earning assets | 1.6043% | 2,051 |
| Net interest margin | 4.2935% | 1,839 |
| Noninterest income to average assets | 0.7911% | 2,326 |
| Noninterest expense to average assets | 2.4256% | 6,026 |
| Loan and lease loss provision to assets | 0.7617% | 2,153 |
| Net operating income to assets | 1.0414% | 1,907 |
| Return on assets (ROA) | 1.0414% | 2,006 |
| Pretax return on assets | 1.6090% | 1,105 |
| Return on Equity (ROE) | 14.4325% | 806 |
| Retained earnings to average equity (ytd only) | 12.4198% | 245 |
| Net charge-offs to loans | 0.7164% | 2,868 |
| Credit loss provision to net charge-offs | 155.8904% | 2,268 |
| Earnings coverage of net charge-offs (x) | 4.8521% | 2,783 |
| Efficiency ratio | 50.5721% | 7,081 |
| Assets per employee ($millions) | 4.1490% | 3,482 |
| Cash dividends to net income (ytd only)* | 13.9460% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 5,263 |
| Loan loss allowance to noncurrent loans | 227.6771% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 6,311 |
| Noncurrent loans to loans | 0.5490% | 5,952 |
| Net loans and leases to total assets | 69.2481% | 2,715 |
| Net loans and leases to deposits | 80.6313% | 3,058 |
| Net loans and leases to core deposits | 90.7827% | 2,653 |
| Total domestic deposits to total assets | 85.8825% | 3,422 |
| Equity capital to assets | 7.1666% | 7,052 |
| Core capital (leverage) ratio | 7.1713% | 6,927 |
| Tier 1 risk-based capital ratio | 9.5815% | 7,115 |
| Total risk-based capital ratio | 10.7766% | 7,139 |
| Memoranda: | ||
| Average total assets | $149,407,400 | 3,887 |
| Average earning assets | $139,374,600 | 3,832 |
| Average equity | $10,781,200 | 4,913 |
| Average total loans | $101,897,200 | 3,743 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9036% | 1,126 |
| Cost of funding earning assets | 1.6753% | 1,986 |
| Net interest margin | 4.2282% | 2,110 |
| Noninterest income to average assets | 0.8108% | 2,182 |
| Noninterest expense to average assets | 2.4251% | 5,954 |
| Loan and lease loss provision to assets | 0.7194% | 2,123 |
| Net operating income to assets | 1.0406% | 2,100 |
| Return on assets (ROA) | 1.0406% | 2,204 |
| Pretax return on assets | 1.6035% | 1,338 |
| Return on Equity (ROE) | 14.3948% | 954 |
| Retained earnings to average equity (ytd only) | 12.4296% | 409 |
| Net charge-offs to loans | 0.7580% | 2,528 |
| Credit loss provision to net charge-offs | 140.2116% | 2,836 |
| Earnings coverage of net charge-offs (x) | 4.5273% | 3,016 |
| Efficiency ratio | 51.0768% | 7,067 |
| Assets per employee ($millions) | 3.9724% | 3,896 |
| Cash dividends to net income (ytd only)* | 13.6523% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 5,622 |
| Loan loss allowance to noncurrent loans | 175.2187% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 6,290 |
| Noncurrent loans to loans | 0.6687% | 5,864 |
| Net loans and leases to total assets | 67.1684% | 3,419 |
| Net loans and leases to deposits | 74.8131% | 4,375 |
| Net loans and leases to core deposits | 86.2742% | 3,612 |
| Total domestic deposits to total assets | 89.7815% | 979 |
| Equity capital to assets | 7.5474% | 7,097 |
| Core capital (leverage) ratio | 7.1170% | 7,101 |
| Tier 1 risk-based capital ratio | 9.7823% | 7,164 |
| Total risk-based capital ratio | 10.8776% | 7,207 |
| Memoranda: | ||
| Average total assets | $147,343,750 | 3,973 |
| Average earning assets | $137,202,000 | 3,916 |
| Average equity | $10,651,750 | 5,007 |
| Average total loans | $99,731,500 | 3,868 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8864% | 1,220 |
| Cost of funding earning assets | 1.7535% | 1,847 |
| Net interest margin | 4.1328% | 2,410 |
| Noninterest income to average assets | 0.7459% | 2,424 |
| Noninterest expense to average assets | 2.4374% | 5,952 |
| Loan and lease loss provision to assets | 0.6774% | 2,132 |
| Net operating income to assets | 0.9676% | 2,307 |
| Return on assets (ROA) | 0.9676% | 2,392 |
| Pretax return on assets | 1.4726% | 1,635 |
| Return on Equity (ROE) | 13.5901% | 1,120 |
| Retained earnings to average equity (ytd only) | 11.4564% | 575 |
| Net charge-offs to loans | 0.5953% | 2,740 |
| Credit loss provision to net charge-offs | 168.3673% | 2,333 |
| Earnings coverage of net charge-offs (x) | 5.3435% | 2,691 |
| Efficiency ratio | 53.1325% | 6,967 |
| Assets per employee ($millions) | 4.0562% | 3,663 |
| Cash dividends to net income (ytd only)* | 15.7001% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 5,584 |
| Loan loss allowance to noncurrent loans | 107.2080% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.7303% | 5,667 |
| Noncurrent loans to loans | 1.0942% | 5,131 |
| Net loans and leases to total assets | 65.9562% | 3,842 |
| Net loans and leases to deposits | 73.2239% | 4,804 |
| Net loans and leases to core deposits | 84.3419% | 4,094 |
| Total domestic deposits to total assets | 90.0746% | 890 |
| Equity capital to assets | 7.2941% | 7,229 |
| Core capital (leverage) ratio | 6.8285% | 7,273 |
| Tier 1 risk-based capital ratio | 9.7289% | 7,172 |
| Total risk-based capital ratio | 10.8345% | 7,229 |
| Memoranda: | ||
| Average total assets | $146,141,000 | 4,029 |
| Average earning assets | $135,839,000 | 3,980 |
| Average equity | $10,404,670 | 5,086 |
| Average total loans | $98,777,330 | 3,937 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7120% | 1,732 |
| Cost of funding earning assets | 1.8232% | 1,783 |
| Net interest margin | 3.8888% | 3,380 |
| Noninterest income to average assets | 0.7019% | 2,590 |
| Noninterest expense to average assets | 2.4804% | 5,803 |
| Loan and lease loss provision to assets | 0.4994% | 2,501 |
| Net operating income to assets | 0.8906% | 2,589 |
| Return on assets (ROA) | 0.8906% | 2,660 |
| Pretax return on assets | 1.3262% | 1,978 |
| Return on Equity (ROE) | 12.6708% | 1,332 |
| Retained earnings to average equity (ytd only) | 10.8946% | 944 |
| Net charge-offs to loans | 0.5261% | 2,491 |
| Credit loss provision to net charge-offs | 139.5349% | 2,536 |
| Earnings coverage of net charge-offs (x) | 5.1008% | 2,471 |
| Efficiency ratio | 57.6031% | 6,548 |
| Assets per employee ($millions) | 4.2243% | 3,421 |
| Cash dividends to net income (ytd only)* | 14.0187% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 6,290 |
| Loan loss allowance to noncurrent loans | 98.9382% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.6813% | 5,806 |
| Noncurrent loans to loans | 1.0492% | 5,245 |
| Net loans and leases to total assets | 64.2560% | 4,275 |
| Net loans and leases to deposits | 70.8595% | 5,221 |
| Net loans and leases to core deposits | 82.2955% | 4,439 |
| Total domestic deposits to total assets | 90.6808% | 665 |
| Equity capital to assets | 6.7757% | 7,460 |
| Core capital (leverage) ratio | 6.8463% | 7,330 |
| Tier 1 risk-based capital ratio | 9.5226% | 7,295 |
| Total risk-based capital ratio | 10.4966% | 7,409 |
| Memoranda: | ||
| Average total assets | $144,171,500 | 4,124 |
| Average earning assets | $133,614,500 | 4,085 |
| Average equity | $10,133,500 | 5,202 |
| Average total loans | $98,085,000 | 4,015 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5050% | 666 |
| Cost of funding earning assets | 2.3271% | 1,551 |
| Net interest margin | 4.1779% | 2,141 |
| Noninterest income to average assets | 0.9674% | 1,676 |
| Noninterest expense to average assets | 2.6627% | 5,541 |
| Loan and lease loss provision to assets | 0.6612% | 3,164 |
| Net operating income to assets | 0.9460% | 2,017 |
| Return on assets (ROA) | 0.9852% | 1,942 |
| Pretax return on assets | 1.5736% | 1,023 |
| Return on Equity (ROE) | 13.4001% | 887 |
| Retained earnings to average equity (ytd only) | 11.7027% | 232 |
| Net charge-offs to loans | 0.6689% | 3,179 |
| Credit loss provision to net charge-offs | 138.2496% | 3,549 |
| Earnings coverage of net charge-offs (x) | 4.5446% | 2,911 |
| Efficiency ratio | 55.0569% | 7,124 |
| Assets per employee ($millions) | 4.0079% | 3,804 |
| Cash dividends to net income (ytd only)* | 12.6672% | 3,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 6,389 |
| Loan loss allowance to noncurrent loans | 96.5312% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.7404% | 5,625 |
| Noncurrent loans to loans | 1.0356% | 5,244 |
| Net loans and leases to total assets | 70.7823% | 3,061 |
| Net loans and leases to deposits | 78.8508% | 4,201 |
| Net loans and leases to core deposits | 109.8877% | 2,904 |
| Total domestic deposits to total assets | 89.7674% | 1,071 |
| Equity capital to assets | 7.3112% | 7,193 |
| Core capital (leverage) ratio | 7.1940% | 7,076 |
| Tier 1 risk-based capital ratio | 9.8381% | 6,994 |
| Total risk-based capital ratio | 10.8214% | 7,166 |
| Memoranda: | ||
| Average total assets | $129,003,800 | 4,356 |
| Average earning assets | $119,462,200 | 4,327 |
| Average equity | $9,485,000 | 5,450 |
| Average total loans | $92,234,600 | 4,152 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4626% | 816 |
| Cost of funding earning assets | 2.4314% | 1,519 |
| Net interest margin | 4.0312% | 2,677 |
| Noninterest income to average assets | 1.0127% | 1,553 |
| Noninterest expense to average assets | 2.5935% | 5,733 |
| Loan and lease loss provision to assets | 0.5273% | 3,277 |
| Net operating income to assets | 1.0131% | 2,008 |
| Return on assets (ROA) | 1.0661% | 1,890 |
| Pretax return on assets | 1.7098% | 954 |
| Return on Equity (ROE) | 14.4784% | 841 |
| Retained earnings to average equity (ytd only) | 12.8981% | 269 |
| Net charge-offs to loans | 0.4193% | 3,589 |
| Credit loss provision to net charge-offs | 175.8741% | 2,624 |
| Earnings coverage of net charge-offs (x) | 7.1854% | 2,454 |
| Efficiency ratio | 54.6257% | 7,169 |
| Assets per employee ($millions) | 3.7769% | 4,236 |
| Cash dividends to net income (ytd only)* | 10.9147% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 6,263 |
| Loan loss allowance to noncurrent loans | 60.9974% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.1503% | 4,775 |
| Noncurrent loans to loans | 1.6460% | 4,176 |
| Net loans and leases to total assets | 69.1808% | 3,676 |
| Net loans and leases to deposits | 75.2390% | 5,173 |
| Net loans and leases to core deposits | 108.0513% | 3,464 |
| Total domestic deposits to total assets | 91.9480% | 187 |
| Equity capital to assets | 7.2665% | 7,448 |
| Core capital (leverage) ratio | 7.3333% | 7,156 |
| Tier 1 risk-based capital ratio | 9.4278% | 7,422 |
| Total risk-based capital ratio | 10.3704% | 7,582 |
| Memoranda: | ||
| Average total assets | $127,187,250 | 4,420 |
| Average earning assets | $117,844,750 | 4,388 |
| Average equity | $9,365,500 | 5,531 |
| Average total loans | $90,936,000 | 4,218 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5848% | 679 |
| Cost of funding earning assets | 2.5744% | 1,359 |
| Net interest margin | 4.0104% | 2,658 |
| Noninterest income to average assets | 1.0237% | 1,516 |
| Noninterest expense to average assets | 2.6203% | 5,658 |
| Loan and lease loss provision to assets | 0.4780% | 3,132 |
| Net operating income to assets | 1.0188% | 2,041 |
| Return on assets (ROA) | 1.0188% | 2,131 |
| Pretax return on assets | 1.6337% | 1,144 |
| Return on Equity (ROE) | 13.7698% | 1,033 |
| Retained earnings to average equity (ytd only) | 12.3341% | 396 |
| Net charge-offs to loans | 0.3550% | 3,407 |
| Credit loss provision to net charge-offs | 186.7925% | 2,458 |
| Earnings coverage of net charge-offs (x) | 8.2516% | 2,293 |
| Efficiency ratio | 55.3741% | 7,182 |
| Assets per employee ($millions) | 3.3302% | 5,237 |
| Cash dividends to net income (ytd only)* | 10.4265% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 6,531 |
| Loan loss allowance to noncurrent loans | 70.1361% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 0.9870% | 4,995 |
| Noncurrent loans to loans | 1.3608% | 4,494 |
| Net loans and leases to total assets | 71.8368% | 3,267 |
| Net loans and leases to deposits | 78.2206% | 4,830 |
| Net loans and leases to core deposits | 114.5283% | 2,853 |
| Total domestic deposits to total assets | 91.8387% | 237 |
| Equity capital to assets | 7.4462% | 7,314 |
| Core capital (leverage) ratio | 7.3270% | 7,212 |
| Tier 1 risk-based capital ratio | 9.3969% | 7,477 |
| Total risk-based capital ratio | 10.2910% | 7,689 |
| Memoranda: | ||
| Average total assets | $124,260,670 | 4,523 |
| Average earning assets | $114,901,330 | 4,489 |
| Average equity | $9,194,000 | 5,612 |
| Average total loans | $89,575,670 | 4,289 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6906% | 589 |
| Cost of funding earning assets | 2.7214% | 1,202 |
| Net interest margin | 3.9692% | 2,774 |
| Noninterest income to average assets | 0.9227% | 1,765 |
| Noninterest expense to average assets | 2.5472% | 5,657 |
| Loan and lease loss provision to assets | 0.3249% | 3,373 |
| Net operating income to assets | 1.0657% | 2,085 |
| Return on assets (ROA) | 1.0657% | 2,216 |
| Pretax return on assets | 1.7089% | 1,159 |
| Return on Equity (ROE) | 14.4501% | 1,079 |
| Retained earnings to average equity (ytd only) | 12.4236% | 726 |
| Net charge-offs to loans | -0.0136% | 7,349 |
| Credit loss provision to net charge-offs | -3,333.3333% | 6,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6028% | 7,016 |
| Assets per employee ($millions) | 3.3995% | 5,075 |
| Cash dividends to net income (ytd only)* | 14.0244% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 6,596 |
| Loan loss allowance to noncurrent loans | 64.9421% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 1.0296% | 4,637 |
| Noncurrent loans to loans | 1.4357% | 4,150 |
| Net loans and leases to total assets | 71.0457% | 3,455 |
| Net loans and leases to deposits | 78.8143% | 4,797 |
| Net loans and leases to core deposits | 113.4900% | 3,057 |
| Total domestic deposits to total assets | 90.1432% | 731 |
| Equity capital to assets | 7.4351% | 7,407 |
| Core capital (leverage) ratio | 7.2539% | 7,423 |
| Tier 1 risk-based capital ratio | 9.2186% | 7,658 |
| Total risk-based capital ratio | 10.0872% | 7,912 |
| Memoranda: | ||
| Average total assets | $123,117,000 | 4,573 |
| Average earning assets | $113,473,000 | 4,545 |
| Average equity | $9,079,500 | 5,679 |
| Average total loans | $88,471,500 | 4,346 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9487% | 1,260 |
| Cost of funding earning assets | 2.9913% | 1,895 |
| Net interest margin | 3.9574% | 3,327 |
| Noninterest income to average assets | 0.9779% | 1,662 |
| Noninterest expense to average assets | 3.0357% | 3,949 |
| Loan and lease loss provision to assets | 0.5964% | 2,439 |
| Net operating income to assets | 0.6079% | 4,270 |
| Return on assets (ROA) | 0.6079% | 4,135 |
| Pretax return on assets | 0.9210% | 3,654 |
| Return on Equity (ROE) | 7.4525% | 3,299 |
| Retained earnings to average equity (ytd only) | 2.5983% | 3,572 |
| Net charge-offs to loans | 0.5100% | 2,315 |
| Credit loss provision to net charge-offs | 170.0549% | 3,012 |
| Earnings coverage of net charge-offs (x) | 4.3269% | 4,017 |
| Efficiency ratio | 66.6737% | 4,983 |
| Assets per employee ($millions) | 3.3459% | 5,103 |
| Cash dividends to net income (ytd only)* | 65.1347% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 6,901 |
| Loan loss allowance to noncurrent loans | 61.0927% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 1.0029% | 4,323 |
| Noncurrent loans to loans | 1.3927% | 3,728 |
| Net loans and leases to total assets | 71.3988% | 3,708 |
| Net loans and leases to deposits | 79.3896% | 5,151 |
| Net loans and leases to core deposits | 100.6684% | 4,759 |
| Total domestic deposits to total assets | 89.9347% | 668 |
| Equity capital to assets | 7.3116% | 7,546 |
| Core capital (leverage) ratio | 7.0340% | 7,667 |
| Tier 1 risk-based capital ratio | 8.9396% | 7,822 |
| Total risk-based capital ratio | 9.7431% | 8,047 |
| Memoranda: | ||
| Average total assets | $103,797,600 | 4,942 |
| Average earning assets | $93,773,200 | 4,975 |
| Average equity | $8,467,000 | 5,914 |
| Average total loans | $71,372,800 | 4,818 |