Home > Presidio Bank > Performance and Condition Ratios
Presidio Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1423% | 1,170 |
| Cost of funding earning assets | 0.5022% | 4,133 |
| Net interest margin | 4.6401% | 563 |
| Noninterest income to average assets | 0.1348% | 4,858 |
| Noninterest expense to average assets | 2.6351% | 3,058 |
| Loan and lease loss provision to assets | 0.0037% | 3,793 |
| Net operating income to assets | 1.3247% | 1,753 |
| Return on assets (ROA) | 1.3247% | 1,818 |
| Pretax return on assets | 1.8715% | 931 |
| Return on Equity (ROE) | 12.2614% | 1,528 |
| Retained earnings to average equity (ytd only) | 12.2614% | 353 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4249% | 3,872 |
| Assets per employee ($millions) | 15.6681% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,199 |
| Loan loss allowance to noncurrent loans | 199.2258% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 2,797 |
| Noncurrent loans to loans | 0.5349% | 2,685 |
| Net loans and leases to total assets | 78.9727% | 994 |
| Net loans and leases to deposits | 91.8385% | 1,455 |
| Net loans and leases to core deposits | 97.6813% | 1,846 |
| Total domestic deposits to total assets | 85.9908% | 2,004 |
| Equity capital to assets | 11.3323% | 2,812 |
| Core capital (leverage) ratio | 11.3523% | 2,339 |
| Tier 1 risk-based capital ratio | 11.1235% | 4,851 |
| Total risk-based capital ratio | 13.1413% | 4,359 |
| Memoranda: | ||
| Average total assets | $871,598,250 | 901 |
| Average earning assets | $821,887,250 | 880 |
| Average equity | $94,168,500 | 945 |
| Average total loans | $703,626,750 | 809 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1609% | 1,076 |
| Cost of funding earning assets | 0.4924% | 4,149 |
| Net interest margin | 4.6685% | 527 |
| Noninterest income to average assets | 0.1355% | 4,892 |
| Noninterest expense to average assets | 2.6624% | 3,029 |
| Loan and lease loss provision to assets | 0.0055% | 3,618 |
| Net operating income to assets | 1.3253% | 1,674 |
| Return on assets (ROA) | 1.3253% | 1,729 |
| Pretax return on assets | 1.8764% | 879 |
| Return on Equity (ROE) | 12.4721% | 1,422 |
| Retained earnings to average equity (ytd only) | 12.4721% | 353 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5881% | 3,922 |
| Assets per employee ($millions) | 14.0081% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,242 |
| Loan loss allowance to noncurrent loans | 199.2258% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 2,740 |
| Noncurrent loans to loans | 0.5366% | 2,666 |
| Net loans and leases to total assets | 82.1680% | 583 |
| Net loans and leases to deposits | 95.6048% | 1,084 |
| Net loans and leases to core deposits | 102.0183% | 1,550 |
| Total domestic deposits to total assets | 85.9454% | 2,060 |
| Equity capital to assets | 11.4177% | 2,689 |
| Core capital (leverage) ratio | 10.9444% | 2,647 |
| Tier 1 risk-based capital ratio | 10.9422% | 4,940 |
| Total risk-based capital ratio | 12.9870% | 4,454 |
| Memoranda: | ||
| Average total assets | $869,660,330 | 901 |
| Average earning assets | $821,293,000 | 876 |
| Average equity | $92,414,330 | 955 |
| Average total loans | $704,709,330 | 809 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0088% | 1,323 |
| Cost of funding earning assets | 0.4701% | 4,205 |
| Net interest margin | 4.5387% | 690 |
| Noninterest income to average assets | 0.1407% | 4,888 |
| Noninterest expense to average assets | 2.5445% | 3,386 |
| Loan and lease loss provision to assets | 0.0109% | 3,294 |
| Net operating income to assets | 1.3838% | 1,424 |
| Return on assets (ROA) | 1.3838% | 1,458 |
| Pretax return on assets | 1.8873% | 814 |
| Return on Equity (ROE) | 13.4996% | 1,080 |
| Retained earnings to average equity (ytd only) | 13.4996% | 403 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2752% | 4,175 |
| Assets per employee ($millions) | 13.9394% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 3,365 |
| Loan loss allowance to noncurrent loans | 199.2258% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4134% | 2,934 |
| Noncurrent loans to loans | 0.5313% | 2,720 |
| Net loans and leases to total assets | 76.9985% | 1,319 |
| Net loans and leases to deposits | 87.8980% | 1,886 |
| Net loans and leases to core deposits | 94.8306% | 2,044 |
| Total domestic deposits to total assets | 87.5998% | 1,516 |
| Equity capital to assets | 10.2222% | 3,599 |
| Core capital (leverage) ratio | 10.7018% | 2,845 |
| Tier 1 risk-based capital ratio | 10.4903% | 5,179 |
| Total risk-based capital ratio | 12.5190% | 4,762 |
| Memoranda: | ||
| Average total assets | $884,247,000 | 889 |
| Average earning assets | $838,132,500 | 861 |
| Average equity | $90,639,500 | 960 |
| Average total loans | $708,027,000 | 802 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7338% | 1,723 |
| Cost of funding earning assets | 0.3453% | 4,312 |
| Net interest margin | 4.3885% | 965 |
| Noninterest income to average assets | 0.1456% | 4,984 |
| Noninterest expense to average assets | 2.4165% | 3,840 |
| Loan and lease loss provision to assets | 0.0325% | 3,536 |
| Net operating income to assets | 1.4104% | 1,393 |
| Return on assets (ROA) | 1.4104% | 1,382 |
| Pretax return on assets | 1.8747% | 759 |
| Return on Equity (ROE) | 14.5642% | 925 |
| Retained earnings to average equity (ytd only) | 14.5642% | 136 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8886% | 4,422 |
| Assets per employee ($millions) | 13.0672% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 3,407 |
| Loan loss allowance to noncurrent loans | 198.5852% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 2,832 |
| Noncurrent loans to loans | 0.5269% | 2,691 |
| Net loans and leases to total assets | 81.5714% | 716 |
| Net loans and leases to deposits | 92.7222% | 1,434 |
| Net loans and leases to core deposits | 96.8225% | 1,980 |
| Total domestic deposits to total assets | 87.9739% | 1,307 |
| Equity capital to assets | 10.2802% | 3,396 |
| Core capital (leverage) ratio | 10.3443% | 3,209 |
| Tier 1 risk-based capital ratio | 10.0323% | 5,297 |
| Total risk-based capital ratio | 12.0529% | 4,953 |
| Memoranda: | ||
| Average total assets | $838,741,600 | 907 |
| Average earning assets | $798,537,200 | 882 |
| Average equity | $81,226,800 | 1,014 |
| Average total loans | $661,874,800 | 829 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6256% | 1,910 |
| Cost of funding earning assets | 0.3276% | 4,327 |
| Net interest margin | 4.2980% | 1,115 |
| Noninterest income to average assets | 0.1450% | 5,052 |
| Noninterest expense to average assets | 2.4403% | 3,760 |
| Loan and lease loss provision to assets | 0.0411% | 3,178 |
| Net operating income to assets | 1.3685% | 1,593 |
| Return on assets (ROA) | 1.3685% | 1,595 |
| Pretax return on assets | 1.7513% | 1,135 |
| Return on Equity (ROE) | 14.3597% | 1,023 |
| Retained earnings to average equity (ytd only) | 14.3597% | 214 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6535% | 4,173 |
| Assets per employee ($millions) | 12.6389% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 3,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 79.3018% | 1,119 |
| Net loans and leases to deposits | 90.0662% | 1,888 |
| Net loans and leases to core deposits | 94.2135% | 2,270 |
| Total domestic deposits to total assets | 88.0483% | 1,220 |
| Equity capital to assets | 10.1604% | 3,486 |
| Core capital (leverage) ratio | 9.8525% | 3,794 |
| Tier 1 risk-based capital ratio | 10.1734% | 5,335 |
| Total risk-based capital ratio | 12.3136% | 4,907 |
| Memoranda: | ||
| Average total assets | $832,818,250 | 911 |
| Average earning assets | $792,067,750 | 886 |
| Average equity | $79,368,500 | 1,029 |
| Average total loans | $649,608,750 | 842 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 2,252 |
| Cost of funding earning assets | 0.3018% | 4,404 |
| Net interest margin | 4.1499% | 1,413 |
| Noninterest income to average assets | 0.1509% | 5,069 |
| Noninterest expense to average assets | 2.4778% | 3,687 |
| Loan and lease loss provision to assets | 0.0382% | 3,145 |
| Net operating income to assets | 1.2144% | 2,135 |
| Return on assets (ROA) | 1.2144% | 2,130 |
| Pretax return on assets | 1.5798% | 1,568 |
| Return on Equity (ROE) | 13.0303% | 1,362 |
| Retained earnings to average equity (ytd only) | 13.0303% | 373 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4951% | 3,863 |
| Assets per employee ($millions) | 13.3331% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 3,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 75.6929% | 1,683 |
| Net loans and leases to deposits | 85.2712% | 2,402 |
| Net loans and leases to core deposits | 90.4140% | 2,537 |
| Total domestic deposits to total assets | 88.7673% | 1,030 |
| Equity capital to assets | 9.4618% | 4,143 |
| Core capital (leverage) ratio | 9.8332% | 3,751 |
| Tier 1 risk-based capital ratio | 9.8776% | 5,452 |
| Total risk-based capital ratio | 12.0661% | 5,036 |
| Memoranda: | ||
| Average total assets | $832,368,000 | 914 |
| Average earning assets | $791,255,330 | 886 |
| Average equity | $77,573,000 | 1,047 |
| Average total loans | $643,167,000 | 849 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3921% | 2,226 |
| Cost of funding earning assets | 0.2496% | 4,710 |
| Net interest margin | 4.1425% | 1,328 |
| Noninterest income to average assets | 0.1553% | 5,085 |
| Noninterest expense to average assets | 2.5341% | 3,545 |
| Loan and lease loss provision to assets | 0.0774% | 2,221 |
| Net operating income to assets | 1.0829% | 2,509 |
| Return on assets (ROA) | 1.0829% | 2,526 |
| Pretax return on assets | 1.4776% | 1,735 |
| Return on Equity (ROE) | 11.7121% | 1,681 |
| Retained earnings to average equity (ytd only) | 11.7121% | 738 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9733% | 3,787 |
| Assets per employee ($millions) | 13.4909% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 3,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 75.6145% | 1,602 |
| Net loans and leases to deposits | 84.7641% | 2,313 |
| Net loans and leases to core deposits | 90.0527% | 2,448 |
| Total domestic deposits to total assets | 89.2058% | 1,007 |
| Equity capital to assets | 9.0852% | 4,470 |
| Core capital (leverage) ratio | 9.7326% | 3,817 |
| Tier 1 risk-based capital ratio | 9.4821% | 5,558 |
| Total risk-based capital ratio | 11.6870% | 5,295 |
| Memoranda: | ||
| Average total assets | $821,893,000 | 934 |
| Average earning assets | $780,491,500 | 902 |
| Average equity | $75,990,000 | 1,080 |
| Average total loans | $638,137,500 | 858 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2759% | 2,408 |
| Cost of funding earning assets | 0.2525% | 4,538 |
| Net interest margin | 4.0234% | 1,678 |
| Noninterest income to average assets | 0.1259% | 5,316 |
| Noninterest expense to average assets | 2.4294% | 3,990 |
| Loan and lease loss provision to assets | 0.0396% | 3,477 |
| Net operating income to assets | 0.7273% | 3,484 |
| Return on assets (ROA) | 0.7273% | 3,522 |
| Pretax return on assets | 1.5054% | 1,622 |
| Return on Equity (ROE) | 7.6803% | 2,964 |
| Retained earnings to average equity (ytd only) | 7.6803% | 864 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1267% | 4,094 |
| Assets per employee ($millions) | 13.0141% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 3,095 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 77.9881% | 1,289 |
| Net loans and leases to deposits | 87.9234% | 2,028 |
| Net loans and leases to core deposits | 93.8246% | 2,211 |
| Total domestic deposits to total assets | 88.7001% | 1,149 |
| Equity capital to assets | 9.4176% | 4,307 |
| Core capital (leverage) ratio | 9.6657% | 3,851 |
| Tier 1 risk-based capital ratio | 9.7952% | 5,570 |
| Total risk-based capital ratio | 12.1037% | 5,121 |
| Memoranda: | ||
| Average total assets | $753,013,200 | 983 |
| Average earning assets | $720,291,200 | 953 |
| Average equity | $71,312,400 | 1,118 |
| Average total loans | $599,610,400 | 867 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 2,519 |
| Cost of funding earning assets | 0.2507% | 4,562 |
| Net interest margin | 3.9794% | 1,780 |
| Noninterest income to average assets | 0.1186% | 5,407 |
| Noninterest expense to average assets | 2.4578% | 3,864 |
| Loan and lease loss provision to assets | 0.0535% | 3,032 |
| Net operating income to assets | 0.8750% | 3,149 |
| Return on assets (ROA) | 0.8750% | 3,196 |
| Pretax return on assets | 1.4173% | 2,073 |
| Return on Equity (ROE) | 9.2262% | 2,485 |
| Retained earnings to average equity (ytd only) | 9.2262% | 783 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5623% | 3,802 |
| Assets per employee ($millions) | 13.0937% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 3,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 77.6585% | 1,321 |
| Net loans and leases to deposits | 87.4732% | 2,131 |
| Net loans and leases to core deposits | 92.9047% | 2,358 |
| Total domestic deposits to total assets | 88.7797% | 984 |
| Equity capital to assets | 9.3941% | 4,552 |
| Core capital (leverage) ratio | 9.8684% | 3,735 |
| Tier 1 risk-based capital ratio | 9.8353% | 5,624 |
| Total risk-based capital ratio | 12.1839% | 5,174 |
| Memoranda: | ||
| Average total assets | $742,802,000 | 994 |
| Average earning assets | $711,179,750 | 971 |
| Average equity | $70,450,000 | 1,138 |
| Average total loans | $592,942,750 | 879 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0571% | 2,985 |
| Cost of funding earning assets | 0.2471% | 4,561 |
| Net interest margin | 3.8100% | 2,254 |
| Noninterest income to average assets | 0.1079% | 5,490 |
| Noninterest expense to average assets | 2.4908% | 3,782 |
| Loan and lease loss provision to assets | 0.0544% | 2,887 |
| Net operating income to assets | 0.7673% | 3,556 |
| Return on assets (ROA) | 0.7673% | 3,604 |
| Pretax return on assets | 1.2238% | 2,680 |
| Return on Equity (ROE) | 8.0626% | 2,991 |
| Retained earnings to average equity (ytd only) | 8.0626% | 1,137 |
| Net charge-offs to loans | 0.0174% | 2,902 |
| Credit loss provision to net charge-offs | 388.2353% | 797 |
| Earnings coverage of net charge-offs (x) | 91.2941% | 693 |
| Efficiency ratio | 66.0864% | 3,336 |
| Assets per employee ($millions) | 12.4371% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 3,237 |
| Loan loss allowance to noncurrent loans | 707.8708% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 4,653 |
| Noncurrent loans to loans | 0.1642% | 4,458 |
| Net loans and leases to total assets | 79.9590% | 964 |
| Net loans and leases to deposits | 90.4152% | 1,677 |
| Net loans and leases to core deposits | 96.3671% | 1,949 |
| Total domestic deposits to total assets | 88.4354% | 1,239 |
| Equity capital to assets | 9.5560% | 4,355 |
| Core capital (leverage) ratio | 10.0243% | 3,510 |
| Tier 1 risk-based capital ratio | 9.6311% | 5,692 |
| Total risk-based capital ratio | 11.9981% | 5,289 |
| Memoranda: | ||
| Average total assets | $728,528,330 | 1,018 |
| Average earning assets | $700,060,330 | 987 |
| Average equity | $69,332,670 | 1,152 |
| Average total loans | $584,834,000 | 891 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9339% | 3,265 |
| Cost of funding earning assets | 0.2422% | 4,605 |
| Net interest margin | 3.6916% | 2,511 |
| Noninterest income to average assets | 0.1123% | 5,547 |
| Noninterest expense to average assets | 2.6151% | 3,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6692% | 3,839 |
| Return on assets (ROA) | 0.6692% | 3,881 |
| Pretax return on assets | 1.0721% | 3,082 |
| Return on Equity (ROE) | 7.0467% | 3,383 |
| Retained earnings to average equity (ytd only) | 7.0467% | 1,832 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9225% | 2,754 |
| Assets per employee ($millions) | 11.7264% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 3,206 |
| Loan loss allowance to noncurrent loans | 659.1171% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 4,652 |
| Noncurrent loans to loans | 0.1803% | 4,480 |
| Net loans and leases to total assets | 82.5555% | 508 |
| Net loans and leases to deposits | 93.8743% | 1,117 |
| Net loans and leases to core deposits | 100.5661% | 1,467 |
| Total domestic deposits to total assets | 87.9426% | 1,750 |
| Equity capital to assets | 10.0204% | 3,727 |
| Core capital (leverage) ratio | 9.7508% | 3,811 |
| Tier 1 risk-based capital ratio | 10.1150% | 5,672 |
| Total risk-based capital ratio | 12.6428% | 4,994 |
| Memoranda: | ||
| Average total assets | $719,679,500 | 1,034 |
| Average earning assets | $696,925,000 | 990 |
| Average equity | $68,344,500 | 1,167 |
| Average total loans | $575,406,000 | 902 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9164% | 3,516 |
| Cost of funding earning assets | 0.2675% | 4,392 |
| Net interest margin | 3.6490% | 2,890 |
| Noninterest income to average assets | 0.1014% | 5,645 |
| Noninterest expense to average assets | 2.4600% | 4,128 |
| Loan and lease loss provision to assets | 0.0824% | 2,711 |
| Net operating income to assets | 0.6505% | 3,997 |
| Return on assets (ROA) | 0.6505% | 4,114 |
| Pretax return on assets | 1.0779% | 3,190 |
| Return on Equity (ROE) | 7.1212% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.1212% | 1,183 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9510% | 3,240 |
| Assets per employee ($millions) | 12.4584% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 3,133 |
| Loan loss allowance to noncurrent loans | 650.9953% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 4,742 |
| Noncurrent loans to loans | 0.1842% | 4,501 |
| Net loans and leases to total assets | 75.7069% | 1,558 |
| Net loans and leases to deposits | 85.2938% | 2,266 |
| Net loans and leases to core deposits | 90.4751% | 2,457 |
| Total domestic deposits to total assets | 88.7600% | 1,230 |
| Equity capital to assets | 9.0116% | 4,809 |
| Core capital (leverage) ratio | 9.1424% | 4,560 |
| Tier 1 risk-based capital ratio | 10.1167% | 5,706 |
| Total risk-based capital ratio | 12.6789% | 4,999 |
| Memoranda: | ||
| Average total assets | $688,203,000 | 1,034 |
| Average earning assets | $663,663,200 | 999 |
| Average equity | $62,868,400 | 1,243 |
| Average total loans | $541,395,800 | 913 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9604% | 3,370 |
| Cost of funding earning assets | 0.2715% | 4,374 |
| Net interest margin | 3.6889% | 2,757 |
| Noninterest income to average assets | 0.1010% | 5,708 |
| Noninterest expense to average assets | 2.5055% | 3,970 |
| Loan and lease loss provision to assets | 0.0675% | 2,869 |
| Net operating income to assets | 0.6483% | 4,091 |
| Return on assets (ROA) | 0.6483% | 4,216 |
| Pretax return on assets | 1.0795% | 3,316 |
| Return on Equity (ROE) | 7.0698% | 3,528 |
| Retained earnings to average equity (ytd only) | 7.0698% | 1,590 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5965% | 3,123 |
| Assets per employee ($millions) | 12.2978% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 3,101 |
| Loan loss allowance to noncurrent loans | 621.9101% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 4,858 |
| Noncurrent loans to loans | 0.1967% | 4,565 |
| Net loans and leases to total assets | 72.6720% | 2,072 |
| Net loans and leases to deposits | 81.7485% | 2,765 |
| Net loans and leases to core deposits | 88.9297% | 2,668 |
| Total domestic deposits to total assets | 88.8971% | 963 |
| Equity capital to assets | 8.8938% | 5,248 |
| Core capital (leverage) ratio | 9.4606% | 4,236 |
| Tier 1 risk-based capital ratio | 10.2920% | 5,704 |
| Total risk-based capital ratio | 12.9303% | 4,892 |
| Memoranda: | ||
| Average total assets | $673,378,000 | 1,052 |
| Average earning assets | $648,303,250 | 1,013 |
| Average equity | $61,745,000 | 1,274 |
| Average total loans | $533,550,000 | 924 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 3,059 |
| Cost of funding earning assets | 0.2715% | 4,423 |
| Net interest margin | 3.7796% | 2,405 |
| Noninterest income to average assets | 0.1022% | 5,770 |
| Noninterest expense to average assets | 2.6281% | 3,623 |
| Loan and lease loss provision to assets | 0.0206% | 3,727 |
| Net operating income to assets | 0.6412% | 4,090 |
| Return on assets (ROA) | 0.6412% | 4,232 |
| Pretax return on assets | 1.0836% | 3,265 |
| Return on Equity (ROE) | 6.9146% | 3,597 |
| Retained earnings to average equity (ytd only) | 6.9146% | 1,649 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4151% | 2,918 |
| Assets per employee ($millions) | 11.9960% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 3,530 |
| Loan loss allowance to noncurrent loans | 592.9236% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 4,841 |
| Noncurrent loans to loans | 0.1972% | 4,651 |
| Net loans and leases to total assets | 83.0846% | 505 |
| Net loans and leases to deposits | 99.6270% | 722 |
| Net loans and leases to core deposits | 106.5204% | 1,141 |
| Total domestic deposits to total assets | 83.3957% | 3,503 |
| Equity capital to assets | 9.8454% | 4,393 |
| Core capital (leverage) ratio | 9.7691% | 3,843 |
| Tier 1 risk-based capital ratio | 10.1259% | 5,808 |
| Total risk-based capital ratio | 12.7520% | 5,039 |
| Memoranda: | ||
| Average total assets | $651,880,670 | 1,090 |
| Average earning assets | $626,098,330 | 1,046 |
| Average equity | $60,451,670 | 1,291 |
| Average total loans | $530,444,330 | 923 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0574% | 3,007 |
| Cost of funding earning assets | 0.2630% | 4,575 |
| Net interest margin | 3.7944% | 2,306 |
| Noninterest income to average assets | 0.1046% | 5,808 |
| Noninterest expense to average assets | 2.7966% | 3,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5750% | 4,290 |
| Return on assets (ROA) | 0.5750% | 4,405 |
| Pretax return on assets | 0.9530% | 3,650 |
| Return on Equity (ROE) | 6.3958% | 3,781 |
| Retained earnings to average equity (ytd only) | 6.3958% | 2,186 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5840% | 2,389 |
| Assets per employee ($millions) | 11.8765% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 3,447 |
| Loan loss allowance to noncurrent loans | 575.9598% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 4,898 |
| Noncurrent loans to loans | 0.2092% | 4,674 |
| Net loans and leases to total assets | 79.0929% | 937 |
| Net loans and leases to deposits | 89.5732% | 1,630 |
| Net loans and leases to core deposits | 94.9504% | 1,891 |
| Total domestic deposits to total assets | 88.2997% | 1,468 |
| Equity capital to assets | 9.1891% | 4,997 |
| Core capital (leverage) ratio | 9.4472% | 4,281 |
| Tier 1 risk-based capital ratio | 9.7840% | 5,955 |
| Total risk-based capital ratio | 12.4652% | 5,297 |
| Memoranda: | ||
| Average total assets | $653,929,000 | 1,080 |
| Average earning assets | $628,182,000 | 1,043 |
| Average equity | $58,789,000 | 1,318 |
| Average total loans | $523,378,000 | 936 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7947% | 4,060 |
| Cost of funding earning assets | 0.2922% | 4,341 |
| Net interest margin | 3.5025% | 3,511 |
| Noninterest income to average assets | 0.1186% | 5,809 |
| Noninterest expense to average assets | 2.5938% | 3,946 |
| Loan and lease loss provision to assets | 0.1910% | 1,157 |
| Net operating income to assets | 0.4302% | 4,951 |
| Return on assets (ROA) | 0.4302% | 5,029 |
| Pretax return on assets | 0.7048% | 4,522 |
| Return on Equity (ROE) | 4.7144% | 4,647 |
| Retained earnings to average equity (ytd only) | 3.8316% | 3,310 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3284% | 2,528 |
| Assets per employee ($millions) | 11.6902% | 165 |
| Cash dividends to net income (ytd only)* | 18.7254% | 3,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 3,465 |
| Loan loss allowance to noncurrent loans | 519.0280% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 4,866 |
| Noncurrent loans to loans | 0.2318% | 4,594 |
| Net loans and leases to total assets | 79.0519% | 980 |
| Net loans and leases to deposits | 89.3265% | 1,707 |
| Net loans and leases to core deposits | 94.5732% | 1,991 |
| Total domestic deposits to total assets | 88.4977% | 1,384 |
| Equity capital to assets | 8.7916% | 5,315 |
| Core capital (leverage) ratio | 9.0367% | 4,839 |
| Tier 1 risk-based capital ratio | 9.4068% | 6,061 |
| Total risk-based capital ratio | 12.1519% | 5,486 |
| Memoranda: | ||
| Average total assets | $590,947,800 | 1,155 |
| Average earning assets | $568,763,800 | 1,094 |
| Average equity | $53,919,400 | 1,384 |
| Average total loans | $455,516,200 | 1,012 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7914% | 4,113 |
| Cost of funding earning assets | 0.3021% | 4,321 |
| Net interest margin | 3.4893% | 3,581 |
| Noninterest income to average assets | 0.1259% | 5,844 |
| Noninterest expense to average assets | 2.6505% | 3,719 |
| Loan and lease loss provision to assets | 0.0978% | 2,218 |
| Net operating income to assets | 0.4327% | 5,038 |
| Return on assets (ROA) | 0.4327% | 5,127 |
| Pretax return on assets | 0.7329% | 4,558 |
| Return on Equity (ROE) | 4.6933% | 4,758 |
| Retained earnings to average equity (ytd only) | 3.6092% | 3,900 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1356% | 2,227 |
| Assets per employee ($millions) | 11.1726% | 188 |
| Cash dividends to net income (ytd only)* | 23.0974% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 3,780 |
| Loan loss allowance to noncurrent loans | 453.6902% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 4,949 |
| Noncurrent loans to loans | 0.2593% | 4,652 |
| Net loans and leases to total assets | 76.4651% | 1,320 |
| Net loans and leases to deposits | 87.9120% | 1,915 |
| Net loans and leases to core deposits | 94.2937% | 2,049 |
| Total domestic deposits to total assets | 86.9792% | 2,052 |
| Equity capital to assets | 8.9231% | 5,377 |
| Core capital (leverage) ratio | 9.0596% | 4,926 |
| Tier 1 risk-based capital ratio | 9.6748% | 6,106 |
| Total risk-based capital ratio | 12.5141% | 5,411 |
| Memoranda: | ||
| Average total assets | $575,022,250 | 1,192 |
| Average earning assets | $552,959,250 | 1,145 |
| Average equity | $53,010,750 | 1,417 |
| Average total loans | $438,441,750 | 1,046 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7594% | 4,211 |
| Cost of funding earning assets | 0.3080% | 4,312 |
| Net interest margin | 3.4514% | 3,704 |
| Noninterest income to average assets | 0.1253% | 5,923 |
| Noninterest expense to average assets | 2.7380% | 3,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4197% | 5,083 |
| Return on assets (ROA) | 0.4197% | 5,181 |
| Pretax return on assets | 0.7098% | 4,627 |
| Return on Equity (ROE) | 4.4997% | 4,817 |
| Retained earnings to average equity (ytd only) | 3.4463% | 3,854 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4136% | 1,850 |
| Assets per employee ($millions) | 11.0057% | 191 |
| Cash dividends to net income (ytd only)* | 23.4097% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 4,030 |
| Loan loss allowance to noncurrent loans | 413.0990% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 5,025 |
| Noncurrent loans to loans | 0.2807% | 4,668 |
| Net loans and leases to total assets | 74.1864% | 1,631 |
| Net loans and leases to deposits | 85.4410% | 2,118 |
| Net loans and leases to core deposits | 93.1526% | 2,048 |
| Total domestic deposits to total assets | 86.8277% | 2,252 |
| Equity capital to assets | 10.2507% | 3,747 |
| Core capital (leverage) ratio | 10.5857% | 2,860 |
| Tier 1 risk-based capital ratio | 11.6278% | 5,387 |
| Total risk-based capital ratio | 14.6233% | 4,227 |
| Memoranda: | ||
| Average total assets | $561,865,670 | 1,227 |
| Average earning assets | $540,879,670 | 1,172 |
| Average equity | $52,403,670 | 1,439 |
| Average total loans | $426,100,330 | 1,080 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7998% | 4,009 |
| Cost of funding earning assets | 0.3073% | 4,364 |
| Net interest margin | 3.4925% | 3,468 |
| Noninterest income to average assets | 0.1239% | 5,979 |
| Noninterest expense to average assets | 2.8949% | 2,922 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3541% | 5,240 |
| Return on assets (ROA) | 0.3541% | 5,354 |
| Pretax return on assets | 0.5945% | 4,928 |
| Return on Equity (ROE) | 4.0129% | 4,977 |
| Retained earnings to average equity (ytd only) | 2.9993% | 4,178 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9622% | 1,502 |
| Assets per employee ($millions) | 10.1581% | 247 |
| Cash dividends to net income (ytd only)* | 25.2588% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 3,729 |
| Loan loss allowance to noncurrent loans | 406.6038% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 5,005 |
| Noncurrent loans to loans | 0.3054% | 4,696 |
| Net loans and leases to total assets | 74.9851% | 1,359 |
| Net loans and leases to deposits | 85.2392% | 1,925 |
| Net loans and leases to core deposits | 93.4619% | 1,815 |
| Total domestic deposits to total assets | 87.9702% | 1,841 |
| Equity capital to assets | 8.8368% | 5,457 |
| Core capital (leverage) ratio | 9.3406% | 4,504 |
| Tier 1 risk-based capital ratio | 9.9584% | 6,180 |
| Total risk-based capital ratio | 13.1819% | 5,175 |
| Memoranda: | ||
| Average total assets | $545,644,500 | 1,260 |
| Average earning assets | $525,814,000 | 1,216 |
| Average equity | $48,145,000 | 1,562 |
| Average total loans | $416,116,500 | 1,100 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1379% | 3,174 |
| Cost of funding earning assets | 0.2117% | 5,651 |
| Net interest margin | 3.9262% | 2,136 |
| Noninterest income to average assets | 0.1427% | 5,980 |
| Noninterest expense to average assets | 2.7940% | 3,506 |
| Loan and lease loss provision to assets | 0.0613% | 3,293 |
| Net operating income to assets | 0.6402% | 4,191 |
| Return on assets (ROA) | 0.6402% | 4,290 |
| Pretax return on assets | 1.0949% | 3,107 |
| Return on Equity (ROE) | 6.8408% | 3,728 |
| Retained earnings to average equity (ytd only) | 6.0645% | 1,887 |
| Net charge-offs to loans | -0.0010% | 5,341 |
| Credit loss provision to net charge-offs | -7,525.0000% | 6,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7316% | 3,429 |
| Assets per employee ($millions) | 10.2406% | 227 |
| Cash dividends to net income (ytd only)* | 11.3477% | 4,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 3,750 |
| Loan loss allowance to noncurrent loans | 388.5800% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2452% | 5,046 |
| Noncurrent loans to loans | 0.3202% | 4,695 |
| Net loans and leases to total assets | 75.6456% | 1,322 |
| Net loans and leases to deposits | 85.2349% | 2,071 |
| Net loans and leases to core deposits | 93.5203% | 1,946 |
| Total domestic deposits to total assets | 88.7496% | 1,389 |
| Equity capital to assets | 8.8101% | 5,480 |
| Core capital (leverage) ratio | 8.8087% | 5,234 |
| Tier 1 risk-based capital ratio | 9.9981% | 6,261 |
| Total risk-based capital ratio | 13.2764% | 5,253 |
| Memoranda: | ||
| Average total assets | $491,382,200 | 1,356 |
| Average earning assets | $476,521,600 | 1,281 |
| Average equity | $45,988,800 | 1,561 |
| Average total loans | $397,817,000 | 1,105 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 3,249 |
| Cost of funding earning assets | 0.1684% | 6,075 |
| Net interest margin | 3.9626% | 1,988 |
| Noninterest income to average assets | 0.1488% | 6,022 |
| Noninterest expense to average assets | 2.8199% | 3,384 |
| Loan and lease loss provision to assets | 0.0226% | 3,953 |
| Net operating income to assets | 0.6734% | 4,090 |
| Return on assets (ROA) | 0.6734% | 4,177 |
| Pretax return on assets | 1.1487% | 2,992 |
| Return on Equity (ROE) | 7.0777% | 3,670 |
| Retained earnings to average equity (ytd only) | 6.2929% | 2,220 |
| Net charge-offs to loans | -0.0014% | 5,170 |
| Credit loss provision to net charge-offs | -2,025.0000% | 5,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6527% | 3,399 |
| Assets per employee ($millions) | 9.8141% | 256 |
| Cash dividends to net income (ytd only)* | 11.0880% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 4,053 |
| Loan loss allowance to noncurrent loans | 143.3285% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.6770% | 3,804 |
| Noncurrent loans to loans | 0.8607% | 3,419 |
| Net loans and leases to total assets | 77.6880% | 992 |
| Net loans and leases to deposits | 88.0057% | 1,670 |
| Net loans and leases to core deposits | 97.4992% | 1,553 |
| Total domestic deposits to total assets | 88.2761% | 1,616 |
| Equity capital to assets | 9.1842% | 5,164 |
| Core capital (leverage) ratio | 9.6989% | 4,077 |
| Tier 1 risk-based capital ratio | 10.1181% | 6,318 |
| Total risk-based capital ratio | 13.4518% | 5,283 |
| Memoranda: | ||
| Average total assets | $478,539,500 | 1,406 |
| Average earning assets | $464,023,000 | 1,330 |
| Average equity | $45,531,750 | 1,579 |
| Average total loans | $393,336,000 | 1,119 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 3,182 |
| Cost of funding earning assets | 0.1712% | 6,129 |
| Net interest margin | 3.9709% | 1,902 |
| Noninterest income to average assets | 0.1504% | 6,056 |
| Noninterest expense to average assets | 2.8704% | 3,267 |
| Loan and lease loss provision to assets | 0.0346% | 3,597 |
| Net operating income to assets | 0.6505% | 4,096 |
| Return on assets (ROA) | 0.6505% | 4,198 |
| Pretax return on assets | 1.1027% | 3,090 |
| Return on Equity (ROE) | 6.7516% | 3,752 |
| Retained earnings to average equity (ytd only) | 5.9620% | 2,345 |
| Net charge-offs to loans | -0.0020% | 5,060 |
| Credit loss provision to net charge-offs | -2,025.0000% | 5,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6221% | 3,412 |
| Assets per employee ($millions) | 9.8692% | 244 |
| Cash dividends to net income (ytd only)* | 11.6951% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 4,369 |
| Loan loss allowance to noncurrent loans | 332.1261% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 5,135 |
| Noncurrent loans to loans | 0.3648% | 4,897 |
| Net loans and leases to total assets | 83.5000% | 337 |
| Net loans and leases to deposits | 98.6309% | 621 |
| Net loans and leases to core deposits | 108.4781% | 748 |
| Total domestic deposits to total assets | 84.6590% | 3,656 |
| Equity capital to assets | 9.5010% | 4,747 |
| Core capital (leverage) ratio | 9.6102% | 4,161 |
| Tier 1 risk-based capital ratio | 10.0351% | 6,387 |
| Total risk-based capital ratio | 11.2311% | 6,361 |
| Memoranda: | ||
| Average total assets | $467,941,000 | 1,438 |
| Average earning assets | $454,560,000 | 1,351 |
| Average equity | $45,085,670 | 1,585 |
| Average total loans | $390,641,000 | 1,124 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1011% | 3,281 |
| Cost of funding earning assets | 0.1740% | 6,205 |
| Net interest margin | 3.9271% | 1,989 |
| Noninterest income to average assets | 0.1478% | 6,083 |
| Noninterest expense to average assets | 2.9340% | 3,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6016% | 4,192 |
| Return on assets (ROA) | 0.6016% | 4,269 |
| Pretax return on assets | 1.0206% | 3,250 |
| Return on Equity (ROE) | 6.1986% | 3,912 |
| Retained earnings to average equity (ytd only) | 5.4014% | 2,852 |
| Net charge-offs to loans | -0.0042% | 4,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1921% | 3,097 |
| Assets per employee ($millions) | 9.7227% | 255 |
| Cash dividends to net income (ytd only)* | 12.8613% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 4,374 |
| Loan loss allowance to noncurrent loans | 283.3624% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 5,079 |
| Noncurrent loans to loans | 0.4411% | 4,821 |
| Net loans and leases to total assets | 80.7870% | 472 |
| Net loans and leases to deposits | 90.7513% | 1,063 |
| Net loans and leases to core deposits | 97.4461% | 1,283 |
| Total domestic deposits to total assets | 89.0202% | 1,647 |
| Equity capital to assets | 9.4513% | 4,561 |
| Core capital (leverage) ratio | 10.0127% | 3,561 |
| Tier 1 risk-based capital ratio | 10.3026% | 6,393 |
| Total risk-based capital ratio | 11.5357% | 6,352 |
| Memoranda: | ||
| Average total assets | $460,115,000 | 1,468 |
| Average earning assets | $446,029,500 | 1,383 |
| Average equity | $44,655,500 | 1,592 |
| Average total loans | $381,585,500 | 1,153 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1442% | 3,565 |
| Cost of funding earning assets | 0.1996% | 6,299 |
| Net interest margin | 3.9445% | 2,122 |
| Noninterest income to average assets | 0.1367% | 6,254 |
| Noninterest expense to average assets | 2.9645% | 3,148 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5832% | 4,341 |
| Return on assets (ROA) | 0.5832% | 4,455 |
| Pretax return on assets | 0.9886% | 3,395 |
| Return on Equity (ROE) | 5.2843% | 4,504 |
| Retained earnings to average equity (ytd only) | 4.0982% | 3,264 |
| Net charge-offs to loans | 0.0231% | 4,968 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 52.9615% | 760 |
| Efficiency ratio | 74.9909% | 2,953 |
| Assets per employee ($millions) | 9.6482% | 259 |
| Cash dividends to net income (ytd only)* | 22.4456% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 4,129 |
| Loan loss allowance to noncurrent loans | 247.1813% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 4,914 |
| Noncurrent loans to loans | 0.5273% | 4,673 |
| Net loans and leases to total assets | 83.0417% | 324 |
| Net loans and leases to deposits | 92.7976% | 981 |
| Net loans and leases to core deposits | 100.3179% | 1,132 |
| Total domestic deposits to total assets | 89.4869% | 1,341 |
| Equity capital to assets | 9.9780% | 3,800 |
| Core capital (leverage) ratio | 9.9970% | 3,584 |
| Tier 1 risk-based capital ratio | 10.4529% | 6,382 |
| Total risk-based capital ratio | 11.7032% | 6,333 |
| Memoranda: | ||
| Average total assets | $417,845,400 | 1,580 |
| Average earning assets | $404,280,200 | 1,501 |
| Average equity | $46,117,600 | 1,519 |
| Average total loans | $338,274,600 | 1,260 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 3,592 |
| Cost of funding earning assets | 0.2034% | 6,385 |
| Net interest margin | 3.9397% | 2,146 |
| Noninterest income to average assets | 0.1361% | 6,343 |
| Noninterest expense to average assets | 3.0147% | 2,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5504% | 4,586 |
| Return on assets (ROA) | 0.5504% | 4,728 |
| Pretax return on assets | 0.9328% | 3,752 |
| Return on Equity (ROE) | 4.8607% | 4,789 |
| Retained earnings to average equity (ytd only) | 3.6384% | 4,106 |
| Net charge-offs to loans | 0.0324% | 4,486 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 35.9764% | 1,082 |
| Efficiency ratio | 76.3692% | 2,674 |
| Assets per employee ($millions) | 9.2070% | 294 |
| Cash dividends to net income (ytd only)* | 25.1473% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 3,967 |
| Loan loss allowance to noncurrent loans | 231.8875% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4954% | 4,957 |
| Noncurrent loans to loans | 0.5969% | 4,708 |
| Net loans and leases to total assets | 81.8385% | 380 |
| Net loans and leases to deposits | 92.7975% | 914 |
| Net loans and leases to core deposits | 101.3892% | 1,035 |
| Total domestic deposits to total assets | 88.1905% | 2,006 |
| Equity capital to assets | 11.2138% | 2,549 |
| Core capital (leverage) ratio | 11.0565% | 2,425 |
| Tier 1 risk-based capital ratio | 11.7576% | 5,922 |
| Total risk-based capital ratio | 13.0090% | 5,877 |
| Memoranda: | ||
| Average total assets | $411,352,250 | 1,615 |
| Average earning assets | $397,959,500 | 1,532 |
| Average equity | $46,576,000 | 1,516 |
| Average total loans | $329,488,000 | 1,297 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0841% | 3,801 |
| Cost of funding earning assets | 0.2019% | 6,463 |
| Net interest margin | 3.8821% | 2,267 |
| Noninterest income to average assets | 0.1345% | 6,383 |
| Noninterest expense to average assets | 3.0842% | 2,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4763% | 4,896 |
| Return on assets (ROA) | 0.4763% | 5,080 |
| Pretax return on assets | 0.8073% | 4,286 |
| Return on Equity (ROE) | 4.1928% | 5,139 |
| Retained earnings to average equity (ytd only) | 2.9609% | 4,432 |
| Net charge-offs to loans | 0.0497% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 20.5500% | 1,457 |
| Efficiency ratio | 79.2555% | 2,264 |
| Assets per employee ($millions) | 9.2167% | 278 |
| Cash dividends to net income (ytd only)* | 29.3814% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 3,779 |
| Loan loss allowance to noncurrent loans | 308.8889% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.3636% | 5,401 |
| Noncurrent loans to loans | 0.4719% | 5,082 |
| Net loans and leases to total assets | 75.9164% | 995 |
| Net loans and leases to deposits | 85.5419% | 1,616 |
| Net loans and leases to core deposits | 93.3672% | 1,581 |
| Total domestic deposits to total assets | 88.7476% | 1,759 |
| Equity capital to assets | 10.7663% | 2,979 |
| Core capital (leverage) ratio | 11.1450% | 2,219 |
| Tier 1 risk-based capital ratio | 12.0142% | 5,787 |
| Total risk-based capital ratio | 13.2664% | 5,732 |
| Memoranda: | ||
| Average total assets | $407,295,330 | 1,634 |
| Average earning assets | $394,165,330 | 1,547 |
| Average equity | $46,270,330 | 1,527 |
| Average total loans | $322,160,670 | 1,317 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0900% | 3,765 |
| Cost of funding earning assets | 0.2026% | 6,563 |
| Net interest margin | 3.8875% | 2,160 |
| Noninterest income to average assets | 0.1308% | 6,440 |
| Noninterest expense to average assets | 3.1343% | 2,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4443% | 4,936 |
| Return on assets (ROA) | 0.4443% | 5,098 |
| Pretax return on assets | 0.7536% | 4,358 |
| Return on Equity (ROE) | 3.8015% | 5,194 |
| Retained earnings to average equity (ytd only) | 2.5691% | 4,737 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6157% | 2,233 |
| Assets per employee ($millions) | 8.1541% | 459 |
| Cash dividends to net income (ytd only)* | 32.4201% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 3,612 |
| Loan loss allowance to noncurrent loans | 145.4840% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.8869% | 4,168 |
| Noncurrent loans to loans | 1.0663% | 4,012 |
| Net loans and leases to total assets | 81.8861% | 286 |
| Net loans and leases to deposits | 93.7084% | 686 |
| Net loans and leases to core deposits | 103.8926% | 722 |
| Total domestic deposits to total assets | 87.3839% | 2,701 |
| Equity capital to assets | 12.0804% | 1,985 |
| Core capital (leverage) ratio | 11.5406% | 1,853 |
| Tier 1 risk-based capital ratio | 12.4123% | 5,630 |
| Total risk-based capital ratio | 13.6657% | 5,576 |
| Memoranda: | ||
| Average total assets | $394,350,000 | 1,694 |
| Average earning assets | $381,122,500 | 1,606 |
| Average equity | $46,086,500 | 1,554 |
| Average total loans | $316,379,000 | 1,344 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9442% | 5,458 |
| Cost of funding earning assets | 0.2340% | 6,737 |
| Net interest margin | 3.7102% | 3,607 |
| Noninterest income to average assets | 0.1359% | 6,362 |
| Noninterest expense to average assets | 3.1409% | 2,805 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3324% | 5,359 |
| Return on assets (ROA) | 0.3324% | 5,568 |
| Pretax return on assets | 0.5848% | 5,039 |
| Return on Equity (ROE) | 2.8461% | 5,614 |
| Retained earnings to average equity (ytd only) | 1.5926% | 5,073 |
| Net charge-offs to loans | -0.0004% | 6,305 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3025% | 1,592 |
| Assets per employee ($millions) | 8.8143% | 348 |
| Cash dividends to net income (ytd only)* | 44.0402% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 3,422 |
| Loan loss allowance to noncurrent loans | 277.1861% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 5,386 |
| Noncurrent loans to loans | 0.5682% | 5,111 |
| Net loans and leases to total assets | 76.2215% | 885 |
| Net loans and leases to deposits | 86.4774% | 1,450 |
| Net loans and leases to core deposits | 95.0367% | 1,385 |
| Total domestic deposits to total assets | 88.1404% | 2,137 |
| Equity capital to assets | 11.3146% | 2,614 |
| Core capital (leverage) ratio | 10.7939% | 2,448 |
| Tier 1 risk-based capital ratio | 12.4826% | 5,492 |
| Total risk-based capital ratio | 13.7366% | 5,442 |
| Memoranda: | ||
| Average total assets | $388,649,400 | 1,683 |
| Average earning assets | $376,047,200 | 1,589 |
| Average equity | $45,396,200 | 1,532 |
| Average total loans | $272,718,800 | 1,524 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9942% | 5,536 |
| Cost of funding earning assets | 0.2400% | 6,846 |
| Net interest margin | 3.7542% | 3,525 |
| Noninterest income to average assets | 0.1273% | 6,498 |
| Noninterest expense to average assets | 3.0013% | 3,228 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4470% | 5,047 |
| Return on assets (ROA) | 0.4470% | 5,293 |
| Pretax return on assets | 0.7606% | 4,629 |
| Return on Equity (ROE) | 3.7959% | 5,373 |
| Retained earnings to average equity (ytd only) | 2.5384% | 5,045 |
| Net charge-offs to loans | -0.0005% | 6,184 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7824% | 2,126 |
| Assets per employee ($millions) | 9.0289% | 325 |
| Cash dividends to net income (ytd only)* | 33.1266% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8668% | 2,595 |
| Loan loss allowance to noncurrent loans | 267.2973% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 5,550 |
| Noncurrent loans to loans | 0.6984% | 5,040 |
| Net loans and leases to total assets | 62.5875% | 3,285 |
| Net loans and leases to deposits | 70.6727% | 3,806 |
| Net loans and leases to core deposits | 77.6242% | 3,513 |
| Total domestic deposits to total assets | 88.5597% | 1,686 |
| Equity capital to assets | 11.0553% | 3,203 |
| Core capital (leverage) ratio | 11.1025% | 2,297 |
| Tier 1 risk-based capital ratio | 14.3891% | 4,269 |
| Total risk-based capital ratio | 15.6454% | 4,237 |
| Memoranda: | ||
| Average total assets | $384,447,000 | 1,716 |
| Average earning assets | $372,199,750 | 1,621 |
| Average equity | $45,276,250 | 1,547 |
| Average total loans | $262,400,500 | 1,588 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 5,231 |
| Cost of funding earning assets | 0.2535% | 6,897 |
| Net interest margin | 3.8701% | 3,043 |
| Noninterest income to average assets | 0.1326% | 6,524 |
| Noninterest expense to average assets | 3.1153% | 2,877 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4458% | 5,053 |
| Return on assets (ROA) | 0.4458% | 5,285 |
| Pretax return on assets | 0.7553% | 4,627 |
| Return on Equity (ROE) | 3.7015% | 5,405 |
| Retained earnings to average equity (ytd only) | 2.4366% | 4,967 |
| Net charge-offs to loans | -0.0008% | 6,078 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4861% | 2,103 |
| Assets per employee ($millions) | 8.5530% | 378 |
| Cash dividends to net income (ytd only)* | 34.1727% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8727% | 2,638 |
| Loan loss allowance to noncurrent loans | 301.5244% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.4168% | 5,739 |
| Noncurrent loans to loans | 0.6211% | 5,268 |
| Net loans and leases to total assets | 65.8593% | 2,699 |
| Net loans and leases to deposits | 74.7895% | 3,160 |
| Net loans and leases to core deposits | 82.9455% | 2,834 |
| Total domestic deposits to total assets | 88.0596% | 2,103 |
| Equity capital to assets | 11.5581% | 2,536 |
| Core capital (leverage) ratio | 11.3689% | 1,990 |
| Tier 1 risk-based capital ratio | 14.5936% | 4,037 |
| Total risk-based capital ratio | 15.8504% | 3,996 |
| Memoranda: | ||
| Average total assets | $374,153,000 | 1,760 |
| Average earning assets | $361,387,670 | 1,673 |
| Average equity | $45,063,000 | 1,551 |
| Average total loans | $261,571,000 | 1,599 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2577% | 4,899 |
| Cost of funding earning assets | 0.2734% | 6,926 |
| Net interest margin | 3.9842% | 2,574 |
| Noninterest income to average assets | 0.1218% | 6,644 |
| Noninterest expense to average assets | 3.2745% | 2,372 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4038% | 5,241 |
| Return on assets (ROA) | 0.4038% | 5,424 |
| Pretax return on assets | 0.6848% | 4,843 |
| Return on Equity (ROE) | 3.2815% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.0153% | 5,259 |
| Net charge-offs to loans | -0.0015% | 5,720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7051% | 1,843 |
| Assets per employee ($millions) | 8.0798% | 464 |
| Cash dividends to net income (ytd only)* | 38.5870% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9760% | 2,433 |
| Loan loss allowance to noncurrent loans | 296.1078% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.4493% | 5,737 |
| Noncurrent loans to loans | 0.6673% | 5,316 |
| Net loans and leases to total assets | 66.0017% | 2,466 |
| Net loans and leases to deposits | 75.4563% | 2,895 |
| Net loans and leases to core deposits | 83.2982% | 2,640 |
| Total domestic deposits to total assets | 87.4701% | 2,674 |
| Equity capital to assets | 12.1139% | 1,965 |
| Core capital (leverage) ratio | 11.8723% | 1,660 |
| Tier 1 risk-based capital ratio | 15.0245% | 3,747 |
| Total risk-based capital ratio | 16.2824% | 3,693 |
| Memoranda: | ||
| Average total assets | $364,511,000 | 1,814 |
| Average earning assets | $351,084,500 | 1,724 |
| Average equity | $44,857,500 | 1,544 |
| Average total loans | $260,326,500 | 1,611 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8362% | 3,647 |
| Cost of funding earning assets | 0.3820% | 6,937 |
| Net interest margin | 4.4543% | 1,247 |
| Noninterest income to average assets | 0.1321% | 6,495 |
| Noninterest expense to average assets | 3.5301% | 1,916 |
| Loan and lease loss provision to assets | 0.2671% | 3,545 |
| Net operating income to assets | 1.9200% | 366 |
| Return on assets (ROA) | 1.9200% | 393 |
| Pretax return on assets | 0.6307% | 4,591 |
| Return on Equity (ROE) | 14.2635% | 870 |
| Retained earnings to average equity (ytd only) | 11.5953% | 338 |
| Net charge-offs to loans | 0.3101% | 3,847 |
| Credit loss provision to net charge-offs | 103.9555% | 3,316 |
| Earnings coverage of net charge-offs (x) | 3.4944% | 3,497 |
| Efficiency ratio | 79.7246% | 2,344 |
| Assets per employee ($millions) | 7.7685% | 513 |
| Cash dividends to net income (ytd only)* | 18.7066% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8284% | 2,777 |
| Loan loss allowance to noncurrent loans | 290.9947% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 5,774 |
| Noncurrent loans to loans | 0.6283% | 5,459 |
| Net loans and leases to total assets | 74.2840% | 1,218 |
| Net loans and leases to deposits | 85.4209% | 1,742 |
| Net loans and leases to core deposits | 94.7110% | 1,621 |
| Total domestic deposits to total assets | 86.9624% | 2,787 |
| Equity capital to assets | 12.5062% | 1,794 |
| Core capital (leverage) ratio | 11.9902% | 1,599 |
| Tier 1 risk-based capital ratio | 13.7370% | 4,532 |
| Total risk-based capital ratio | 14.9934% | 4,486 |
| Memoranda: | ||
| Average total assets | $314,895,800 | 2,042 |
| Average earning assets | $303,687,400 | 1,931 |
| Average equity | $42,387,800 | 1,584 |
| Average total loans | $260,846,800 | 1,615 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9763% | 3,207 |
| Cost of funding earning assets | 0.4048% | 7,005 |
| Net interest margin | 4.5715% | 1,003 |
| Noninterest income to average assets | 0.1367% | 6,568 |
| Noninterest expense to average assets | 3.6697% | 1,569 |
| Loan and lease loss provision to assets | 0.3593% | 2,711 |
| Net operating income to assets | 2.4385% | 170 |
| Return on assets (ROA) | 2.4385% | 178 |
| Pretax return on assets | 0.5219% | 5,078 |
| Return on Equity (ROE) | 17.7456% | 483 |
| Retained earnings to average equity (ytd only) | 14.5951% | 256 |
| Net charge-offs to loans | 0.4194% | 3,045 |
| Credit loss provision to net charge-offs | 100.8610% | 3,332 |
| Earnings coverage of net charge-offs (x) | 2.4736% | 3,890 |
| Efficiency ratio | 80.6374% | 2,167 |
| Assets per employee ($millions) | 7.4635% | 582 |
| Cash dividends to net income (ytd only)* | 17.7538% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9097% | 2,587 |
| Loan loss allowance to noncurrent loans | 284.6065% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.5262% | 5,776 |
| Noncurrent loans to loans | 0.6710% | 5,542 |
| Net loans and leases to total assets | 76.9233% | 846 |
| Net loans and leases to deposits | 90.3809% | 1,169 |
| Net loans and leases to core deposits | 101.3436% | 1,131 |
| Total domestic deposits to total assets | 85.1102% | 3,720 |
| Equity capital to assets | 13.4778% | 1,378 |
| Core capital (leverage) ratio | 12.9721% | 1,239 |
| Tier 1 risk-based capital ratio | 14.2526% | 4,159 |
| Total risk-based capital ratio | 15.5102% | 4,120 |
| Memoranda: | ||
| Average total assets | $304,282,250 | 2,114 |
| Average earning assets | $293,812,500 | 1,999 |
| Average equity | $41,812,000 | 1,612 |
| Average total loans | $258,459,000 | 1,645 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9990% | 3,163 |
| Cost of funding earning assets | 0.4185% | 7,087 |
| Net interest margin | 4.5805% | 946 |
| Noninterest income to average assets | 0.1303% | 6,671 |
| Noninterest expense to average assets | 3.7786% | 1,378 |
| Loan and lease loss provision to assets | 0.5536% | 1,751 |
| Net operating income to assets | 3.4242% | 82 |
| Return on assets (ROA) | 3.4242% | 81 |
| Pretax return on assets | 0.2390% | 5,835 |
| Return on Equity (ROE) | 24.7439% | 148 |
| Retained earnings to average equity (ytd only) | 20.6166% | 85 |
| Net charge-offs to loans | 0.5851% | 2,357 |
| Credit loss provision to net charge-offs | 108.3223% | 2,827 |
| Earnings coverage of net charge-offs (x) | 1.5509% | 4,127 |
| Efficiency ratio | 82.6613% | 1,998 |
| Assets per employee ($millions) | 6.8780% | 778 |
| Cash dividends to net income (ytd only)* | 16.6798% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9039% | 2,661 |
| Loan loss allowance to noncurrent loans | 273.2015% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.6017% | 5,714 |
| Noncurrent loans to loans | 0.6969% | 5,514 |
| Net loans and leases to total assets | 84.6993% | 192 |
| Net loans and leases to deposits | 101.9837% | 392 |
| Net loans and leases to core deposits | 120.5301% | 407 |
| Total domestic deposits to total assets | 83.0518% | 4,733 |
| Equity capital to assets | 14.4749% | 947 |
| Core capital (leverage) ratio | 13.8752% | 901 |
| Tier 1 risk-based capital ratio | 14.0450% | 4,140 |
| Total risk-based capital ratio | 15.3026% | 4,107 |
| Memoranda: | ||
| Average total assets | $296,245,670 | 2,172 |
| Average earning assets | $287,216,000 | 2,058 |
| Average equity | $40,996,000 | 1,635 |
| Average total loans | $258,769,330 | 1,661 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9376% | 3,374 |
| Cost of funding earning assets | 0.4272% | 7,167 |
| Net interest margin | 4.5104% | 1,049 |
| Noninterest income to average assets | 0.1406% | 6,711 |
| Noninterest expense to average assets | 3.7864% | 1,359 |
| Loan and lease loss provision to assets | 0.3112% | 2,677 |
| Net operating income to assets | 0.4341% | 4,787 |
| Return on assets (ROA) | 0.4341% | 4,868 |
| Pretax return on assets | 0.4381% | 5,224 |
| Return on Equity (ROE) | 3.2129% | 5,277 |
| Retained earnings to average equity (ytd only) | 3.2129% | 4,246 |
| Net charge-offs to loans | 0.7627% | 1,692 |
| Credit loss provision to net charge-offs | 46.4358% | 3,827 |
| Earnings coverage of net charge-offs (x) | 1.1181% | 3,828 |
| Efficiency ratio | 83.4788% | 2,021 |
| Assets per employee ($millions) | 6.8507% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 2,970 |
| Loan loss allowance to noncurrent loans | 220.2274% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.7166% | 5,505 |
| Noncurrent loans to loans | 0.8233% | 5,385 |
| Net loans and leases to total assets | 85.4589% | 156 |
| Net loans and leases to deposits | 100.5287% | 443 |
| Net loans and leases to core deposits | 119.0680% | 443 |
| Total domestic deposits to total assets | 85.0094% | 4,030 |
| Equity capital to assets | 13.5088% | 1,182 |
| Core capital (leverage) ratio | 13.5576% | 951 |
| Tier 1 risk-based capital ratio | 14.1385% | 3,979 |
| Total risk-based capital ratio | 15.3952% | 3,949 |
| Memoranda: | ||
| Average total assets | $293,051,500 | 2,204 |
| Average earning assets | $285,563,500 | 2,078 |
| Average equity | $39,591,000 | 1,682 |
| Average total loans | $257,502,000 | 1,679 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9778% | 4,663 |
| Cost of funding earning assets | 0.5854% | 7,153 |
| Net interest margin | 4.3924% | 1,500 |
| Noninterest income to average assets | 0.1160% | 6,826 |
| Noninterest expense to average assets | 3.6795% | 1,750 |
| Loan and lease loss provision to assets | 0.3335% | 4,153 |
| Net operating income to assets | 0.3362% | 4,802 |
| Return on assets (ROA) | 0.3362% | 4,964 |
| Pretax return on assets | 0.3466% | 5,094 |
| Return on Equity (ROE) | 2.3231% | 5,251 |
| Retained earnings to average equity (ytd only) | 2.3231% | 4,252 |
| Net charge-offs to loans | 0.3953% | 4,059 |
| Credit loss provision to net charge-offs | 98.4581% | 4,700 |
| Earnings coverage of net charge-offs (x) | 2.0077% | 4,232 |
| Efficiency ratio | 84.3988% | 1,877 |
| Assets per employee ($millions) | 6.7797% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8994% | 2,569 |
| Loan loss allowance to noncurrent loans | 205.1796% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.8212% | 5,354 |
| Noncurrent loans to loans | 0.9257% | 5,201 |
| Net loans and leases to total assets | 87.0251% | 130 |
| Net loans and leases to deposits | 102.5602% | 464 |
| Net loans and leases to core deposits | 118.4059% | 576 |
| Total domestic deposits to total assets | 84.8528% | 3,924 |
| Equity capital to assets | 13.5110% | 1,176 |
| Core capital (leverage) ratio | 13.7980% | 897 |
| Tier 1 risk-based capital ratio | 14.0260% | 3,854 |
| Total risk-based capital ratio | 15.2841% | 3,813 |
| Memoranda: | ||
| Average total assets | $268,026,800 | 2,379 |
| Average earning assets | $258,947,400 | 2,269 |
| Average equity | $38,784,200 | 1,704 |
| Average total loans | $229,696,400 | 1,901 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9439% | 5,061 |
| Cost of funding earning assets | 0.6308% | 7,225 |
| Net interest margin | 4.3130% | 1,806 |
| Noninterest income to average assets | 0.1460% | 6,817 |
| Noninterest expense to average assets | 3.7306% | 1,510 |
| Loan and lease loss provision to assets | 0.3041% | 4,145 |
| Net operating income to assets | 0.2645% | 5,302 |
| Return on assets (ROA) | 0.2645% | 5,463 |
| Pretax return on assets | 0.2701% | 5,569 |
| Return on Equity (ROE) | 1.7946% | 5,679 |
| Retained earnings to average equity (ytd only) | 1.7946% | 5,066 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6612% | 1,563 |
| Assets per employee ($millions) | 6.5833% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3994% | 1,475 |
| Loan loss allowance to noncurrent loans | 187.3177% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 1.0418% | 5,019 |
| Noncurrent loans to loans | 1.2809% | 4,717 |
| Net loans and leases to total assets | 79.3762% | 844 |
| Net loans and leases to deposits | 93.7848% | 1,229 |
| Net loans and leases to core deposits | 101.3742% | 1,710 |
| Total domestic deposits to total assets | 84.6366% | 3,811 |
| Equity capital to assets | 13.7600% | 1,254 |
| Core capital (leverage) ratio | 13.7439% | 983 |
| Tier 1 risk-based capital ratio | 15.2194% | 3,143 |
| Total risk-based capital ratio | 16.4826% | 3,104 |
| Memoranda: | ||
| Average total assets | $262,152,250 | 2,468 |
| Average earning assets | $252,778,500 | 2,347 |
| Average equity | $38,633,250 | 1,725 |
| Average total loans | $222,467,500 | 1,980 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9960% | 4,964 |
| Cost of funding earning assets | 0.6655% | 7,265 |
| Net interest margin | 4.3305% | 1,668 |
| Noninterest income to average assets | 0.1662% | 6,715 |
| Noninterest expense to average assets | 3.9259% | 1,145 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4123% | 4,700 |
| Return on assets (ROA) | 0.4123% | 4,854 |
| Pretax return on assets | 0.4123% | 5,188 |
| Return on Equity (ROE) | 2.7306% | 5,352 |
| Retained earnings to average equity (ytd only) | 2.7306% | 4,393 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4968% | 1,298 |
| Assets per employee ($millions) | 6.2899% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1739% | 1,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 83.9114% | 364 |
| Net loans and leases to deposits | 102.3043% | 579 |
| Net loans and leases to core deposits | 111.8877% | 1,040 |
| Total domestic deposits to total assets | 82.0214% | 4,976 |
| Equity capital to assets | 14.7205% | 945 |
| Core capital (leverage) ratio | 14.9897% | 721 |
| Tier 1 risk-based capital ratio | 15.4871% | 2,899 |
| Total risk-based capital ratio | 16.7480% | 2,861 |
| Memoranda: | ||
| Average total assets | $255,176,000 | 2,550 |
| Average earning assets | $245,836,670 | 2,432 |
| Average equity | $38,527,000 | 1,728 |
| Average total loans | $219,882,330 | 2,024 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8831% | 5,545 |
| Cost of funding earning assets | 0.6792% | 7,381 |
| Net interest margin | 4.2038% | 2,021 |
| Noninterest income to average assets | 0.1085% | 7,153 |
| Noninterest expense to average assets | 3.8887% | 1,189 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2888% | 5,337 |
| Return on assets (ROA) | 0.2888% | 5,471 |
| Pretax return on assets | 0.2888% | 5,642 |
| Return on Equity (ROE) | 1.8880% | 5,807 |
| Retained earnings to average equity (ytd only) | 1.8880% | 4,991 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0863% | 1,195 |
| Assets per employee ($millions) | 5.8448% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2904% | 1,590 |
| Loan loss allowance to noncurrent loans | 1,114.4796% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 7,047 |
| Noncurrent loans to loans | 0.2055% | 6,928 |
| Net loans and leases to total assets | 81.7142% | 627 |
| Net loans and leases to deposits | 99.9125% | 759 |
| Net loans and leases to core deposits | 109.6280% | 1,307 |
| Total domestic deposits to total assets | 81.7857% | 5,163 |
| Equity capital to assets | 14.9600% | 891 |
| Core capital (leverage) ratio | 15.3434% | 680 |
| Tier 1 risk-based capital ratio | 16.2176% | 2,556 |
| Total risk-based capital ratio | 17.4799% | 2,511 |
| Memoranda: | ||
| Average total assets | $250,676,500 | 2,646 |
| Average earning assets | $242,635,000 | 2,511 |
| Average equity | $38,346,500 | 1,756 |
| Average total loans | $216,524,000 | 2,108 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7657% | 7,016 |
| Cost of funding earning assets | 0.8604% | 7,472 |
| Net interest margin | 3.9053% | 3,247 |
| Noninterest income to average assets | 0.0987% | 7,272 |
| Noninterest expense to average assets | 4.3953% | 876 |
| Loan and lease loss provision to assets | 0.8716% | 2,566 |
| Net operating income to assets | -1.3984% | 6,813 |
| Return on assets (ROA) | -1.3984% | 6,817 |
| Pretax return on assets | -1.3984% | 6,644 |
| Return on Equity (ROE) | -10.0855% | 6,631 |
| Retained earnings to average equity (ytd only) | -10.0855% | 6,528 |
| Net charge-offs to loans | 0.0042% | 7,187 |
| Credit loss provision to net charge-offs | 24,387.5000% | 17 |
| Earnings coverage of net charge-offs (x) | -147.3750% | 7,229 |
| Efficiency ratio | 113.6159% | 723 |
| Assets per employee ($millions) | 5.8138% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2599% | 1,550 |
| Loan loss allowance to noncurrent loans | 1,024.1164% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 6,970 |
| Noncurrent loans to loans | 0.2207% | 6,879 |
| Net loans and leases to total assets | 87.2509% | 210 |
| Net loans and leases to deposits | 109.5976% | 400 |
| Net loans and leases to core deposits | 126.7521% | 1,459 |
| Total domestic deposits to total assets | 79.6102% | 5,812 |
| Equity capital to assets | 15.6523% | 756 |
| Core capital (leverage) ratio | 16.1363% | 601 |
| Tier 1 risk-based capital ratio | 15.9921% | 2,527 |
| Total risk-based capital ratio | 17.2542% | 2,455 |
| Memoranda: | ||
| Average total assets | $223,828,400 | 2,891 |
| Average earning assets | $216,063,200 | 2,756 |
| Average equity | $31,034,800 | 2,165 |
| Average total loans | $190,342,800 | 2,404 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6573% | 7,343 |
| Cost of funding earning assets | 0.9059% | 7,548 |
| Net interest margin | 3.7514% | 3,860 |
| Noninterest income to average assets | 0.0939% | 7,435 |
| Noninterest expense to average assets | 4.5526% | 696 |
| Loan and lease loss provision to assets | 0.8643% | 2,223 |
| Net operating income to assets | -1.7061% | 7,196 |
| Return on assets (ROA) | -1.7061% | 7,192 |
| Pretax return on assets | -1.7061% | 7,050 |
| Return on Equity (ROE) | -12.7637% | 7,058 |
| Retained earnings to average equity (ytd only) | -12.7637% | 6,993 |
| Net charge-offs to loans | 0.0058% | 6,882 |
| Credit loss provision to net charge-offs | 17,725.0000% | 18 |
| Earnings coverage of net charge-offs (x) | -172.5670% | 6,980 |
| Efficiency ratio | 122.6840% | 553 |
| Assets per employee ($millions) | 5.2268% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2445% | 1,356 |
| Loan loss allowance to noncurrent loans | 851.3566% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 6,942 |
| Noncurrent loans to loans | 0.2636% | 6,847 |
| Net loans and leases to total assets | 85.1307% | 427 |
| Net loans and leases to deposits | 101.4383% | 972 |
| Net loans and leases to core deposits | 124.2406% | 1,882 |
| Total domestic deposits to total assets | 83.9236% | 3,756 |
| Equity capital to assets | 12.3265% | 2,053 |
| Core capital (leverage) ratio | 12.8758% | 1,421 |
| Tier 1 risk-based capital ratio | 12.7655% | 4,339 |
| Total risk-based capital ratio | 14.0275% | 4,274 |
| Memoranda: | ||
| Average total assets | $218,740,250 | 2,978 |
| Average earning assets | $210,904,750 | 2,843 |
| Average equity | $29,238,500 | 2,309 |
| Average total loans | $183,434,500 | 2,495 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 7,593 |
| Cost of funding earning assets | 0.9378% | 7,647 |
| Net interest margin | 3.5976% | 4,372 |
| Noninterest income to average assets | 0.0867% | 7,540 |
| Noninterest expense to average assets | 4.5318% | 753 |
| Loan and lease loss provision to assets | 0.2695% | 4,426 |
| Net operating income to assets | -1.2310% | 7,130 |
| Return on assets (ROA) | -1.2310% | 7,137 |
| Pretax return on assets | -1.2310% | 6,958 |
| Return on Equity (ROE) | -8.9681% | 6,964 |
| Retained earnings to average equity (ytd only) | -8.9681% | 6,768 |
| Net charge-offs to loans | 0.0089% | 6,443 |
| Credit loss provision to net charge-offs | 3,650.0000% | 132 |
| Earnings coverage of net charge-offs (x) | -130.2500% | 6,617 |
| Efficiency ratio | 126.9320% | 553 |
| Assets per employee ($millions) | 4.9678% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8063% | 2,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 83.1399% | 767 |
| Net loans and leases to deposits | 103.7001% | 933 |
| Net loans and leases to core deposits | 118.2564% | 2,525 |
| Total domestic deposits to total assets | 80.1734% | 5,406 |
| Equity capital to assets | 13.6197% | 1,450 |
| Core capital (leverage) ratio | 13.8302% | 1,183 |
| Tier 1 risk-based capital ratio | 13.5130% | 3,812 |
| Total risk-based capital ratio | 14.7673% | 3,740 |
| Memoranda: | ||
| Average total assets | $216,736,330 | 3,020 |
| Average earning assets | $209,862,670 | 2,870 |
| Average equity | $29,750,000 | 2,283 |
| Average total loans | $179,337,330 | 2,579 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 7,760 |
| Cost of funding earning assets | 0.9711% | 7,718 |
| Net interest margin | 3.4786% | 4,810 |
| Noninterest income to average assets | 0.0825% | 7,642 |
| Noninterest expense to average assets | 4.3317% | 829 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.8887% | 7,182 |
| Return on assets (ROA) | -0.8887% | 7,210 |
| Pretax return on assets | -0.8887% | 7,089 |
| Return on Equity (ROE) | -6.4499% | 7,103 |
| Retained earnings to average equity (ytd only) | -6.4499% | 6,737 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.8116% | 550 |
| Assets per employee ($millions) | 5.4382% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6841% | 2,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 82.1077% | 999 |
| Net loans and leases to deposits | 102.8959% | 1,103 |
| Net loans and leases to core deposits | 116.3381% | 2,768 |
| Total domestic deposits to total assets | 79.7969% | 5,431 |
| Equity capital to assets | 14.0713% | 1,344 |
| Core capital (leverage) ratio | 14.3333% | 1,124 |
| Tier 1 risk-based capital ratio | 14.3584% | 3,391 |
| Total risk-based capital ratio | 15.6112% | 3,312 |
| Memoranda: | ||
| Average total assets | $218,296,000 | 3,006 |
| Average earning assets | $210,891,500 | 2,868 |
| Average equity | $30,078,000 | 2,269 |
| Average total loans | $178,572,000 | 2,612 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4444% | 7,407 |
| Cost of funding earning assets | 1.6933% | 7,273 |
| Net interest margin | 3.7511% | 4,220 |
| Noninterest income to average assets | 0.1397% | 7,402 |
| Noninterest expense to average assets | 5.1844% | 579 |
| Loan and lease loss provision to assets | 1.0878% | 1,330 |
| Net operating income to assets | -2.5073% | 7,711 |
| Return on assets (ROA) | -2.5073% | 7,683 |
| Pretax return on assets | -2.5073% | 7,593 |
| Return on Equity (ROE) | -13.7057% | 7,530 |
| Retained earnings to average equity (ytd only) | -13.7057% | 7,385 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.7037% | 415 |
| Assets per employee ($millions) | 6.0676% | 1,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6571% | 2,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 78.8571% | 1,921 |
| Net loans and leases to deposits | 105.0846% | 1,219 |
| Net loans and leases to core deposits | 116.6208% | 3,055 |
| Total domestic deposits to total assets | 75.0415% | 6,445 |
| Equity capital to assets | 13.5019% | 1,593 |
| Core capital (leverage) ratio | 13.5271% | 1,379 |
| Tier 1 risk-based capital ratio | 14.2933% | 3,400 |
| Total risk-based capital ratio | 15.5504% | 3,315 |
| Memoranda: | ||
| Average total assets | $176,046,200 | 3,462 |
| Average earning assets | $170,137,600 | 3,331 |
| Average equity | $32,205,600 | 2,102 |
| Average total loans | $133,267,800 | 3,215 |