Home > Prime Bank > Performance and Condition Ratios
Prime Bank, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2379% | 530 |
| Cost of funding earning assets | 1.3666% | 258 |
| Net interest margin | 3.8713% | 1,644 |
| Noninterest income to average assets | 0.0910% | 4,807 |
| Noninterest expense to average assets | 1.6338% | 4,751 |
| Loan and lease loss provision to assets | -0.0151% | 5,006 |
| Net operating income to assets | 2.1059% | 262 |
| Return on assets (ROA) | 2.1059% | 291 |
| Pretax return on assets | 2.2146% | 357 |
| Return on Equity (ROE) | 16.4213% | 498 |
| Retained earnings to average equity (ytd only) | 1.2644% | 4,021 |
| Net charge-offs to loans | 0.0181% | 2,361 |
| Credit loss provision to net charge-offs | -95.6522% | 3,398 |
| Earnings coverage of net charge-offs (x) | 139.7826% | 557 |
| Efficiency ratio | 42.6200% | 4,845 |
| Assets per employee ($millions) | 12.3676% | 295 |
| Cash dividends to net income (ytd only)* | 92.3002% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 3,529 |
| Loan loss allowance to noncurrent loans | 773.4104% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 2,011 |
| Noncurrent loans to loans | 0.1304% | 3,936 |
| Net loans and leases to total assets | 84.9341% | 192 |
| Net loans and leases to deposits | 98.0495% | 652 |
| Net loans and leases to core deposits | 116.4425% | 519 |
| Total domestic deposits to total assets | 86.6237% | 1,765 |
| Equity capital to assets | 12.1201% | 1,593 |
| Core capital (leverage) ratio | 12.3517% | 1,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,326,333 | 2,298 |
| Average earning assets | $282,595,333 | 2,228 |
| Average equity | $37,488,000 | 2,103 |
| Average total loans | $253,994,667 | 1,874 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4068% | 456 |
| Cost of funding earning assets | 1.5252% | 237 |
| Net interest margin | 3.8816% | 1,730 |
| Noninterest income to average assets | 0.1522% | 4,612 |
| Noninterest expense to average assets | 1.7584% | 4,714 |
| Loan and lease loss provision to assets | -0.1057% | 5,073 |
| Net operating income to assets | 2.1445% | 205 |
| Return on assets (ROA) | 2.1445% | 224 |
| Pretax return on assets | 2.2431% | 269 |
| Return on Equity (ROE) | 16.2368% | 400 |
| Retained earnings to average equity (ytd only) | 5.4834% | 2,075 |
| Net charge-offs to loans | 0.0370% | 1,674 |
| Credit loss provision to net charge-offs | -326.0870% | 3,313 |
| Earnings coverage of net charge-offs (x) | 65.9565% | 758 |
| Efficiency ratio | 45.1356% | 4,855 |
| Assets per employee ($millions) | 11.2734% | 282 |
| Cash dividends to net income (ytd only)* | 66.2286% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 3,343 |
| Loan loss allowance to noncurrent loans | 539.7119% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.6763% | 1,970 |
| Noncurrent loans to loans | 0.1987% | 3,766 |
| Net loans and leases to total assets | 85.8335% | 150 |
| Net loans and leases to deposits | 100.6813% | 510 |
| Net loans and leases to core deposits | 122.7866% | 391 |
| Total domestic deposits to total assets | 85.2527% | 2,312 |
| Equity capital to assets | 13.3951% | 1,264 |
| Core capital (leverage) ratio | 13.2966% | 1,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,895,000 | 2,296 |
| Average earning assets | $273,803,500 | 2,235 |
| Average equity | $37,495,000 | 2,092 |
| Average total loans | $248,350,500 | 1,872 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9340% | 251 |
| Cost of funding earning assets | 1.6229% | 270 |
| Net interest margin | 4.3110% | 1,071 |
| Noninterest income to average assets | 0.2049% | 4,435 |
| Noninterest expense to average assets | 1.7454% | 4,832 |
| Loan and lease loss provision to assets | 0.0199% | 3,623 |
| Net operating income to assets | 2.5500% | 125 |
| Return on assets (ROA) | 2.5500% | 130 |
| Pretax return on assets | 2.6295% | 167 |
| Return on Equity (ROE) | 19.9316% | 217 |
| Retained earnings to average equity (ytd only) | 8.4247% | 847 |
| Net charge-offs to loans | 0.0146% | 3,181 |
| Credit loss provision to net charge-offs | 148.6486% | 1,725 |
| Earnings coverage of net charge-offs (x) | 198.1081% | 404 |
| Efficiency ratio | 39.7154% | 5,072 |
| Assets per employee ($millions) | 11.9148% | 229 |
| Cash dividends to net income (ytd only)* | 57.7321% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 3,066 |
| Loan loss allowance to noncurrent loans | 114.6167% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.9351% | 1,357 |
| Noncurrent loans to loans | 0.9414% | 1,626 |
| Net loans and leases to total assets | 87.2334% | 111 |
| Net loans and leases to deposits | 101.7860% | 486 |
| Net loans and leases to core deposits | 125.9506% | 347 |
| Total domestic deposits to total assets | 85.7027% | 2,192 |
| Equity capital to assets | 13.0223% | 1,508 |
| Core capital (leverage) ratio | 12.8616% | 1,303 |
| Tier 1 risk-based capital ratio | 14.5723% | 2,977 |
| Total risk-based capital ratio | 15.6371% | 2,984 |
| Memoranda: | ||
| Average total assets | $276,671,400 | 2,296 |
| Average earning assets | $268,893,400 | 2,217 |
| Average equity | $35,396,000 | 2,117 |
| Average total loans | $253,685,800 | 1,804 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9924% | 239 |
| Cost of funding earning assets | 1.5993% | 300 |
| Net interest margin | 4.3931% | 965 |
| Noninterest income to average assets | 0.2187% | 4,422 |
| Noninterest expense to average assets | 1.7879% | 4,832 |
| Loan and lease loss provision to assets | 0.0607% | 2,685 |
| Net operating income to assets | 2.5752% | 145 |
| Return on assets (ROA) | 2.5752% | 153 |
| Pretax return on assets | 2.6379% | 190 |
| Return on Equity (ROE) | 20.2234% | 238 |
| Retained earnings to average equity (ytd only) | 5.3240% | 2,721 |
| Net charge-offs to loans | 0.0194% | 2,727 |
| Credit loss provision to net charge-offs | 337.8378% | 877 |
| Earnings coverage of net charge-offs (x) | 150.0874% | 540 |
| Efficiency ratio | 39.8505% | 5,132 |
| Assets per employee ($millions) | 11.7929% | 226 |
| Cash dividends to net income (ytd only)* | 73.6742% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 3,157 |
| Loan loss allowance to noncurrent loans | 139.5500% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.7066% | 1,938 |
| Noncurrent loans to loans | 0.7692% | 2,049 |
| Net loans and leases to total assets | 90.8755% | 30 |
| Net loans and leases to deposits | 105.5546% | 340 |
| Net loans and leases to core deposits | 135.7404% | 232 |
| Total domestic deposits to total assets | 86.0933% | 1,952 |
| Equity capital to assets | 12.5962% | 1,843 |
| Core capital (leverage) ratio | 12.7758% | 1,445 |
| Tier 1 risk-based capital ratio | 13.9641% | 3,349 |
| Total risk-based capital ratio | 15.0573% | 3,333 |
| Memoranda: | ||
| Average total assets | $274,350,250 | 2,322 |
| Average earning assets | $266,530,000 | 2,248 |
| Average equity | $34,935,500 | 2,153 |
| Average total loans | $254,064,750 | 1,820 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9896% | 240 |
| Cost of funding earning assets | 1.5688% | 304 |
| Net interest margin | 4.4208% | 908 |
| Noninterest income to average assets | 0.3050% | 3,890 |
| Noninterest expense to average assets | 1.8655% | 4,800 |
| Loan and lease loss provision to assets | 0.0722% | 2,371 |
| Net operating income to assets | 2.6354% | 131 |
| Return on assets (ROA) | 2.6354% | 135 |
| Pretax return on assets | 2.6671% | 193 |
| Return on Equity (ROE) | 20.6185% | 220 |
| Retained earnings to average equity (ytd only) | 3.9831% | 3,260 |
| Net charge-offs to loans | 0.0294% | 2,272 |
| Credit loss provision to net charge-offs | 264.8649% | 976 |
| Earnings coverage of net charge-offs (x) | 100.4865% | 692 |
| Efficiency ratio | 40.5120% | 5,151 |
| Assets per employee ($millions) | 11.6238% | 232 |
| Cash dividends to net income (ytd only)* | 80.6821% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 3,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 91.7210% | 24 |
| Net loans and leases to deposits | 112.3229% | 181 |
| Net loans and leases to core deposits | 147.5668% | 143 |
| Total domestic deposits to total assets | 81.6583% | 3,616 |
| Equity capital to assets | 12.5271% | 1,840 |
| Core capital (leverage) ratio | 12.6550% | 1,456 |
| Tier 1 risk-based capital ratio | 13.7490% | 3,453 |
| Total risk-based capital ratio | 14.8365% | 3,429 |
| Memoranda: | ||
| Average total assets | $271,457,000 | 2,349 |
| Average earning assets | $264,025,330 | 2,278 |
| Average equity | $34,697,000 | 2,156 |
| Average total loans | $252,087,670 | 1,832 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8408% | 289 |
| Cost of funding earning assets | 1.4947% | 332 |
| Net interest margin | 4.3460% | 1,015 |
| Noninterest income to average assets | 0.1793% | 4,675 |
| Noninterest expense to average assets | 1.9410% | 4,744 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.4699% | 169 |
| Return on assets (ROA) | 2.4699% | 179 |
| Pretax return on assets | 2.4699% | 262 |
| Return on Equity (ROE) | 19.1253% | 321 |
| Retained earnings to average equity (ytd only) | 7.3123% | 1,922 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0041% | 5,098 |
| Assets per employee ($millions) | 9.9074% | 350 |
| Cash dividends to net income (ytd only)* | 61.7665% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 3,212 |
| Loan loss allowance to noncurrent loans | 236.6900% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 2,878 |
| Noncurrent loans to loans | 0.4582% | 2,939 |
| Net loans and leases to total assets | 92.1559% | 20 |
| Net loans and leases to deposits | 113.3213% | 155 |
| Net loans and leases to core deposits | 162.1168% | 83 |
| Total domestic deposits to total assets | 81.3227% | 3,899 |
| Equity capital to assets | 13.0422% | 1,430 |
| Core capital (leverage) ratio | 13.3469% | 1,135 |
| Tier 1 risk-based capital ratio | 14.2126% | 3,240 |
| Total risk-based capital ratio | 15.3138% | 3,228 |
| Memoranda: | ||
| Average total assets | $267,700,000 | 2,389 |
| Average earning assets | $260,650,500 | 2,311 |
| Average equity | $34,572,000 | 2,160 |
| Average total loans | $248,812,000 | 1,862 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5922% | 338 |
| Cost of funding earning assets | 1.0555% | 592 |
| Net interest margin | 4.5367% | 715 |
| Noninterest income to average assets | 0.1257% | 5,053 |
| Noninterest expense to average assets | 1.9572% | 4,813 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.5624% | 135 |
| Return on assets (ROA) | 2.5624% | 134 |
| Pretax return on assets | 2.5624% | 183 |
| Return on Equity (ROE) | 20.8470% | 208 |
| Retained earnings to average equity (ytd only) | 7.9615% | 1,252 |
| Net charge-offs to loans | 0.0475% | 2,485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 58.1880% | 1,040 |
| Efficiency ratio | 43.3045% | 5,202 |
| Assets per employee ($millions) | 8.9300% | 481 |
| Cash dividends to net income (ytd only)* | 61.8096% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 3,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 91.7137% | 31 |
| Net loans and leases to deposits | 121.0941% | 90 |
| Net loans and leases to core deposits | 152.8774% | 124 |
| Total domestic deposits to total assets | 75.7375% | 4,782 |
| Equity capital to assets | 12.7869% | 1,447 |
| Core capital (leverage) ratio | 13.0966% | 1,206 |
| Tier 1 risk-based capital ratio | 13.9690% | 3,301 |
| Total risk-based capital ratio | 15.0713% | 3,303 |
| Memoranda: | ||
| Average total assets | $265,691,800 | 2,366 |
| Average earning assets | $257,325,000 | 2,285 |
| Average equity | $32,657,000 | 2,175 |
| Average total loans | $246,077,000 | 1,845 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5107% | 353 |
| Cost of funding earning assets | 0.9618% | 712 |
| Net interest margin | 4.5490% | 675 |
| Noninterest income to average assets | 0.1544% | 5,007 |
| Noninterest expense to average assets | 1.9375% | 4,844 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.6169% | 131 |
| Return on assets (ROA) | 2.6169% | 129 |
| Pretax return on assets | 2.6169% | 188 |
| Return on Equity (ROE) | 21.5099% | 188 |
| Retained earnings to average equity (ytd only) | 4.8484% | 3,318 |
| Net charge-offs to loans | 0.0652% | 1,901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 43.3656% | 1,281 |
| Efficiency ratio | 42.5417% | 5,261 |
| Assets per employee ($millions) | 8.4633% | 536 |
| Cash dividends to net income (ytd only)* | 77.4596% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 3,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2404% | 3,754 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 91.2922% | 41 |
| Net loans and leases to deposits | 129.2146% | 52 |
| Net loans and leases to core deposits | 157.9898% | 97 |
| Total domestic deposits to total assets | 70.6516% | 5,193 |
| Equity capital to assets | 12.1218% | 1,825 |
| Core capital (leverage) ratio | 12.5348% | 1,483 |
| Tier 1 risk-based capital ratio | 13.3967% | 3,680 |
| Total risk-based capital ratio | 14.4985% | 3,673 |
| Memoranda: | ||
| Average total assets | $265,140,000 | 2,381 |
| Average earning assets | $256,462,250 | 2,301 |
| Average equity | $32,257,250 | 2,201 |
| Average total loans | $245,495,500 | 1,854 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4197% | 372 |
| Cost of funding earning assets | 0.8800% | 794 |
| Net interest margin | 4.5397% | 639 |
| Noninterest income to average assets | 0.1877% | 4,888 |
| Noninterest expense to average assets | 1.9389% | 4,904 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.6386% | 120 |
| Return on assets (ROA) | 2.6386% | 120 |
| Pretax return on assets | 2.6386% | 171 |
| Return on Equity (ROE) | 21.6611% | 174 |
| Retained earnings to average equity (ytd only) | 2.8940% | 4,094 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3568% | 5,329 |
| Assets per employee ($millions) | 8.9783% | 449 |
| Cash dividends to net income (ytd only)* | 86.6398% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 3,116 |
| Loan loss allowance to noncurrent loans | 231.3372% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.7655% | 1,951 |
| Noncurrent loans to loans | 0.4870% | 2,975 |
| Net loans and leases to total assets | 91.8834% | 31 |
| Net loans and leases to deposits | 128.1319% | 54 |
| Net loans and leases to core deposits | 156.1793% | 94 |
| Total domestic deposits to total assets | 71.7100% | 5,200 |
| Equity capital to assets | 11.9250% | 1,901 |
| Core capital (leverage) ratio | 12.5419% | 1,416 |
| Tier 1 risk-based capital ratio | 13.2811% | 3,743 |
| Total risk-based capital ratio | 14.4471% | 3,706 |
| Memoranda: | ||
| Average total assets | $263,244,670 | 2,394 |
| Average earning assets | $254,553,000 | 2,324 |
| Average equity | $32,066,670 | 2,222 |
| Average total loans | $244,013,000 | 1,871 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4318% | 313 |
| Cost of funding earning assets | 0.8010% | 949 |
| Net interest margin | 4.6309% | 470 |
| Noninterest income to average assets | 0.1906% | 4,883 |
| Noninterest expense to average assets | 1.9324% | 4,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.7380% | 101 |
| Return on assets (ROA) | 2.7380% | 102 |
| Pretax return on assets | 2.7380% | 148 |
| Return on Equity (ROE) | 22.2347% | 159 |
| Retained earnings to average equity (ytd only) | 9.5880% | 1,289 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3759% | 5,420 |
| Assets per employee ($millions) | 8.7100% | 489 |
| Cash dividends to net income (ytd only)* | 56.8782% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 3,005 |
| Loan loss allowance to noncurrent loans | 9,400.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 3,511 |
| Noncurrent loans to loans | 0.0124% | 4,946 |
| Net loans and leases to total assets | 91.5369% | 33 |
| Net loans and leases to deposits | 121.8901% | 95 |
| Net loans and leases to core deposits | 155.7245% | 99 |
| Total domestic deposits to total assets | 75.0979% | 5,053 |
| Equity capital to assets | 12.4088% | 1,544 |
| Core capital (leverage) ratio | 12.5902% | 1,353 |
| Tier 1 risk-based capital ratio | 13.7012% | 3,546 |
| Total risk-based capital ratio | 14.8929% | 3,487 |
| Memoranda: | ||
| Average total assets | $260,192,000 | 2,444 |
| Average earning assets | $251,701,000 | 2,363 |
| Average equity | $32,040,000 | 2,239 |
| Average total loans | $240,865,500 | 1,896 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3507% | 335 |
| Cost of funding earning assets | 0.7474% | 832 |
| Net interest margin | 4.6034% | 500 |
| Noninterest income to average assets | 0.1298% | 5,294 |
| Noninterest expense to average assets | 1.8044% | 5,237 |
| Loan and lease loss provision to assets | 0.0244% | 3,810 |
| Net operating income to assets | 2.7551% | 90 |
| Return on assets (ROA) | 2.7551% | 89 |
| Pretax return on assets | 2.7551% | 125 |
| Return on Equity (ROE) | 24.9085% | 72 |
| Retained earnings to average equity (ytd only) | 14.2452% | 98 |
| Net charge-offs to loans | 0.0004% | 4,118 |
| Credit loss provision to net charge-offs | 6,400.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 7,303.0000% | 8 |
| Efficiency ratio | 39.3640% | 5,535 |
| Assets per employee ($millions) | 8.9340% | 459 |
| Cash dividends to net income (ytd only)* | 42.8098% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 2,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 3,577 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 91.4395% | 43 |
| Net loans and leases to deposits | 113.6371% | 186 |
| Net loans and leases to core deposits | 135.5608% | 260 |
| Total domestic deposits to total assets | 80.4663% | 4,256 |
| Equity capital to assets | 12.2184% | 1,690 |
| Core capital (leverage) ratio | 11.9985% | 1,602 |
| Tier 1 risk-based capital ratio | 13.4526% | 3,653 |
| Total risk-based capital ratio | 14.6510% | 3,594 |
| Memoranda: | ||
| Average total assets | $262,751,200 | 2,388 |
| Average earning assets | $254,226,400 | 2,322 |
| Average equity | $29,062,400 | 2,423 |
| Average total loans | $242,689,600 | 1,860 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2849% | 354 |
| Cost of funding earning assets | 0.7274% | 855 |
| Net interest margin | 4.5575% | 530 |
| Noninterest income to average assets | 0.1193% | 5,404 |
| Noninterest expense to average assets | 1.7926% | 5,283 |
| Loan and lease loss provision to assets | 0.0531% | 3,041 |
| Net operating income to assets | 2.6841% | 106 |
| Return on assets (ROA) | 2.6841% | 107 |
| Pretax return on assets | 2.6841% | 157 |
| Return on Equity (ROE) | 24.9073% | 77 |
| Retained earnings to average equity (ytd only) | 11.1679% | 390 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5736% | 5,589 |
| Assets per employee ($millions) | 9.0506% | 432 |
| Cash dividends to net income (ytd only)* | 55.1620% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 3,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 3,825 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 91.2878% | 45 |
| Net loans and leases to deposits | 116.8907% | 139 |
| Net loans and leases to core deposits | 141.9185% | 183 |
| Total domestic deposits to total assets | 78.0968% | 4,709 |
| Equity capital to assets | 11.0107% | 2,852 |
| Core capital (leverage) ratio | 11.1709% | 2,304 |
| Tier 1 risk-based capital ratio | 12.3936% | 4,385 |
| Total risk-based capital ratio | 13.5801% | 4,326 |
| Memoranda: | ||
| Average total assets | $263,667,750 | 2,401 |
| Average earning assets | $255,162,000 | 2,331 |
| Average equity | $28,414,000 | 2,484 |
| Average total loans | $243,430,500 | 1,867 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2218% | 379 |
| Cost of funding earning assets | 0.7098% | 850 |
| Net interest margin | 4.5120% | 556 |
| Noninterest income to average assets | 0.1264% | 5,419 |
| Noninterest expense to average assets | 1.8088% | 5,302 |
| Loan and lease loss provision to assets | 0.0743% | 2,486 |
| Net operating income to assets | 2.6117% | 116 |
| Return on assets (ROA) | 2.6117% | 114 |
| Pretax return on assets | 2.6117% | 178 |
| Return on Equity (ROE) | 24.4198% | 87 |
| Retained earnings to average equity (ytd only) | 3.7894% | 3,430 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2420% | 5,624 |
| Assets per employee ($millions) | 9.0369% | 418 |
| Cash dividends to net income (ytd only)* | 84.4823% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 3,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 3,840 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 91.4782% | 48 |
| Net loans and leases to deposits | 113.4397% | 203 |
| Net loans and leases to core deposits | 133.7318% | 258 |
| Total domestic deposits to total assets | 80.6404% | 4,271 |
| Equity capital to assets | 10.3447% | 3,523 |
| Core capital (leverage) ratio | 10.6942% | 2,706 |
| Tier 1 risk-based capital ratio | 11.5518% | 4,922 |
| Total risk-based capital ratio | 12.7273% | 4,867 |
| Memoranda: | ||
| Average total assets | $261,051,330 | 2,432 |
| Average earning assets | $252,750,000 | 2,362 |
| Average equity | $27,920,000 | 2,510 |
| Average total loans | $240,999,330 | 1,880 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2371% | 359 |
| Cost of funding earning assets | 0.7039% | 830 |
| Net interest margin | 4.5332% | 493 |
| Noninterest income to average assets | 0.1406% | 5,409 |
| Noninterest expense to average assets | 1.8311% | 5,334 |
| Loan and lease loss provision to assets | 0.0391% | 3,019 |
| Net operating income to assets | 2.6576% | 113 |
| Return on assets (ROA) | 2.6576% | 117 |
| Pretax return on assets | 2.6576% | 174 |
| Return on Equity (ROE) | 24.4243% | 97 |
| Retained earnings to average equity (ytd only) | 9.8071% | 855 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4417% | 5,686 |
| Assets per employee ($millions) | 8.6410% | 479 |
| Cash dividends to net income (ytd only)* | 59.8471% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 3,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 91.3760% | 31 |
| Net loans and leases to deposits | 111.1771% | 199 |
| Net loans and leases to core deposits | 130.9630% | 252 |
| Total domestic deposits to total assets | 82.1896% | 4,117 |
| Equity capital to assets | 10.8780% | 2,771 |
| Core capital (leverage) ratio | 10.9233% | 2,448 |
| Tier 1 risk-based capital ratio | 12.3306% | 4,490 |
| Total risk-based capital ratio | 13.5471% | 4,414 |
| Memoranda: | ||
| Average total assets | $256,024,000 | 2,496 |
| Average earning assets | $247,769,500 | 2,415 |
| Average equity | $27,857,500 | 2,525 |
| Average total loans | $236,070,500 | 1,921 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3156% | 346 |
| Cost of funding earning assets | 0.6787% | 919 |
| Net interest margin | 4.6370% | 473 |
| Noninterest income to average assets | 0.1296% | 5,539 |
| Noninterest expense to average assets | 1.7992% | 5,471 |
| Loan and lease loss provision to assets | 0.0702% | 2,951 |
| Net operating income to assets | 2.7521% | 103 |
| Return on assets (ROA) | 2.7521% | 107 |
| Pretax return on assets | 2.7521% | 144 |
| Return on Equity (ROE) | 26.8365% | 61 |
| Retained earnings to average equity (ytd only) | 10.6716% | 340 |
| Net charge-offs to loans | 0.0022% | 4,199 |
| Credit loss provision to net charge-offs | 3,520.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 1,415.8000% | 41 |
| Efficiency ratio | 38.9320% | 5,799 |
| Assets per employee ($millions) | 9.0292% | 421 |
| Cash dividends to net income (ytd only)* | 60.2347% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 3,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 3,923 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 90.8669% | 50 |
| Net loans and leases to deposits | 109.5409% | 239 |
| Net loans and leases to core deposits | 130.7784% | 276 |
| Total domestic deposits to total assets | 82.9526% | 3,784 |
| Equity capital to assets | 10.8837% | 2,727 |
| Core capital (leverage) ratio | 10.7964% | 2,535 |
| Tier 1 risk-based capital ratio | 12.4681% | 4,390 |
| Total risk-based capital ratio | 13.7173% | 4,283 |
| Memoranda: | ||
| Average total assets | $250,829,000 | 2,500 |
| Average earning assets | $242,980,800 | 2,413 |
| Average equity | $25,722,400 | 2,660 |
| Average total loans | $232,555,800 | 1,888 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2754% | 383 |
| Cost of funding earning assets | 0.6692% | 953 |
| Net interest margin | 4.6062% | 505 |
| Noninterest income to average assets | 0.1033% | 5,699 |
| Noninterest expense to average assets | 1.7837% | 5,531 |
| Loan and lease loss provision to assets | 0.0937% | 2,352 |
| Net operating income to assets | 2.6913% | 122 |
| Return on assets (ROA) | 2.6913% | 125 |
| Pretax return on assets | 2.6913% | 168 |
| Return on Equity (ROE) | 26.6565% | 62 |
| Retained earnings to average equity (ytd only) | 5.2806% | 2,644 |
| Net charge-offs to loans | 0.0029% | 3,837 |
| Credit loss provision to net charge-offs | 3,520.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 1,045.2519% | 72 |
| Efficiency ratio | 39.0417% | 5,846 |
| Assets per employee ($millions) | 9.0558% | 398 |
| Cash dividends to net income (ytd only)* | 80.1900% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 3,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 4,147 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 91.9290% | 25 |
| Net loans and leases to deposits | 113.6263% | 190 |
| Net loans and leases to core deposits | 135.8882% | 230 |
| Total domestic deposits to total assets | 80.9047% | 4,268 |
| Equity capital to assets | 9.8135% | 4,348 |
| Core capital (leverage) ratio | 10.2286% | 3,305 |
| Tier 1 risk-based capital ratio | 11.0744% | 5,338 |
| Total risk-based capital ratio | 12.2591% | 5,274 |
| Memoranda: | ||
| Average total assets | $250,331,750 | 2,509 |
| Average earning assets | $242,681,250 | 2,423 |
| Average equity | $25,274,000 | 2,711 |
| Average total loans | $232,573,500 | 1,890 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3186% | 344 |
| Cost of funding earning assets | 0.6665% | 955 |
| Net interest margin | 4.6521% | 456 |
| Noninterest income to average assets | 0.0885% | 5,814 |
| Noninterest expense to average assets | 1.8064% | 5,590 |
| Loan and lease loss provision to assets | 0.0796% | 2,546 |
| Net operating income to assets | 2.7096% | 110 |
| Return on assets (ROA) | 2.7096% | 110 |
| Pretax return on assets | 2.7096% | 161 |
| Return on Equity (ROE) | 26.5732% | 71 |
| Retained earnings to average equity (ytd only) | 1.8162% | 4,646 |
| Net charge-offs to loans | 0.0044% | 3,552 |
| Credit loss provision to net charge-offs | 1,960.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 686.8000% | 84 |
| Efficiency ratio | 39.3072% | 5,920 |
| Assets per employee ($millions) | 8.9211% | 404 |
| Cash dividends to net income (ytd only)* | 93.1655% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 3,577 |
| Loan loss allowance to noncurrent loans | 686.9231% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 4,837 |
| Noncurrent loans to loans | 0.1690% | 4,761 |
| Net loans and leases to total assets | 91.3195% | 31 |
| Net loans and leases to deposits | 106.6379% | 344 |
| Net loans and leases to core deposits | 127.3798% | 347 |
| Total domestic deposits to total assets | 85.6352% | 2,592 |
| Equity capital to assets | 10.0080% | 4,218 |
| Core capital (leverage) ratio | 10.1645% | 3,371 |
| Tier 1 risk-based capital ratio | 10.8418% | 5,506 |
| Total risk-based capital ratio | 12.0037% | 5,467 |
| Memoranda: | ||
| Average total assets | $246,236,000 | 2,564 |
| Average earning assets | $238,560,330 | 2,464 |
| Average equity | $25,108,000 | 2,732 |
| Average total loans | $228,704,670 | 1,925 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3455% | 327 |
| Cost of funding earning assets | 0.6625% | 980 |
| Net interest margin | 4.6830% | 434 |
| Noninterest income to average assets | 0.1276% | 5,707 |
| Noninterest expense to average assets | 1.7655% | 5,684 |
| Loan and lease loss provision to assets | 0.1178% | 1,788 |
| Net operating income to assets | 2.7898% | 112 |
| Return on assets (ROA) | 2.7898% | 113 |
| Pretax return on assets | 2.7898% | 153 |
| Return on Equity (ROE) | 27.1038% | 73 |
| Retained earnings to average equity (ytd only) | 12.4471% | 445 |
| Net charge-offs to loans | 0.0088% | 2,830 |
| Credit loss provision to net charge-offs | 1,440.0000% | 292 |
| Earnings coverage of net charge-offs (x) | 355.4000% | 167 |
| Efficiency ratio | 37.7801% | 6,004 |
| Assets per employee ($millions) | 8.7886% | 420 |
| Cash dividends to net income (ytd only)* | 54.0762% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 3,716 |
| Loan loss allowance to noncurrent loans | 680.2564% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 4,031 |
| Noncurrent loans to loans | 0.1705% | 4,805 |
| Net loans and leases to total assets | 91.8514% | 35 |
| Net loans and leases to deposits | 107.0097% | 308 |
| Net loans and leases to core deposits | 126.1782% | 335 |
| Total domestic deposits to total assets | 85.8347% | 2,748 |
| Equity capital to assets | 10.3844% | 3,635 |
| Core capital (leverage) ratio | 10.4288% | 3,041 |
| Tier 1 risk-based capital ratio | 10.9852% | 5,511 |
| Total risk-based capital ratio | 12.1257% | 5,473 |
| Memoranda: | ||
| Average total assets | $244,458,500 | 2,587 |
| Average earning assets | $237,283,500 | 2,486 |
| Average equity | $25,162,500 | 2,732 |
| Average total loans | $227,663,500 | 1,932 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3321% | 352 |
| Cost of funding earning assets | 0.6429% | 1,113 |
| Net interest margin | 4.6892% | 457 |
| Noninterest income to average assets | 0.3333% | 4,516 |
| Noninterest expense to average assets | 1.9420% | 5,556 |
| Loan and lease loss provision to assets | 0.1619% | 1,421 |
| Net operating income to assets | 2.7794% | 106 |
| Return on assets (ROA) | 2.7794% | 105 |
| Pretax return on assets | 2.7794% | 143 |
| Return on Equity (ROE) | 27.0162% | 77 |
| Retained earnings to average equity (ytd only) | 13.1452% | 195 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7679% | 6,069 |
| Assets per employee ($millions) | 10.1182% | 266 |
| Cash dividends to net income (ytd only)* | 51.3430% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 3,801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 92.2677% | 22 |
| Net loans and leases to deposits | 110.2972% | 233 |
| Net loans and leases to core deposits | 126.9570% | 316 |
| Total domestic deposits to total assets | 83.6536% | 3,610 |
| Equity capital to assets | 10.2007% | 3,749 |
| Core capital (leverage) ratio | 10.7880% | 2,616 |
| Tier 1 risk-based capital ratio | 10.7250% | 5,656 |
| Total risk-based capital ratio | 11.8446% | 5,652 |
| Memoranda: | ||
| Average total assets | $222,349,400 | 2,732 |
| Average earning assets | $215,749,200 | 2,628 |
| Average equity | $22,875,200 | 2,888 |
| Average total loans | $208,789,800 | 2,003 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3349% | 354 |
| Cost of funding earning assets | 0.6494% | 1,096 |
| Net interest margin | 4.6855% | 465 |
| Noninterest income to average assets | 0.4161% | 3,962 |
| Noninterest expense to average assets | 2.0402% | 5,397 |
| Loan and lease loss provision to assets | 0.1633% | 1,305 |
| Net operating income to assets | 2.7608% | 112 |
| Return on assets (ROA) | 2.7608% | 113 |
| Pretax return on assets | 2.7608% | 157 |
| Return on Equity (ROE) | 26.7716% | 85 |
| Retained earnings to average equity (ytd only) | 8.0886% | 1,216 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0979% | 6,105 |
| Assets per employee ($millions) | 8.6417% | 421 |
| Cash dividends to net income (ytd only)* | 69.7866% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 4,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 97.1333% | 2 |
| Net loans and leases to deposits | 113.5145% | 177 |
| Net loans and leases to core deposits | 124.1852% | 371 |
| Total domestic deposits to total assets | 85.5691% | 2,752 |
| Equity capital to assets | 10.2913% | 3,825 |
| Core capital (leverage) ratio | 10.5461% | 2,993 |
| Tier 1 risk-based capital ratio | 10.3861% | 5,926 |
| Total risk-based capital ratio | 11.5054% | 5,906 |
| Memoranda: | ||
| Average total assets | $217,227,500 | 2,791 |
| Average earning assets | $210,858,000 | 2,690 |
| Average equity | $22,401,250 | 2,947 |
| Average total loans | $204,325,750 | 2,049 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2829% | 368 |
| Cost of funding earning assets | 0.6530% | 1,082 |
| Net interest margin | 4.6298% | 504 |
| Noninterest income to average assets | 0.4126% | 3,988 |
| Noninterest expense to average assets | 2.0993% | 5,342 |
| Loan and lease loss provision to assets | 0.1006% | 2,149 |
| Net operating income to assets | 2.7028% | 127 |
| Return on assets (ROA) | 2.7028% | 133 |
| Pretax return on assets | 2.7028% | 189 |
| Return on Equity (ROE) | 26.1905% | 99 |
| Retained earnings to average equity (ytd only) | 4.6118% | 3,101 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8191% | 6,151 |
| Assets per employee ($millions) | 7.2383% | 753 |
| Cash dividends to net income (ytd only)* | 82.3915% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 4,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 95.5523% | 4 |
| Net loans and leases to deposits | 108.9993% | 285 |
| Net loans and leases to core deposits | 120.9621% | 443 |
| Total domestic deposits to total assets | 87.6633% | 1,807 |
| Equity capital to assets | 10.2580% | 3,742 |
| Core capital (leverage) ratio | 10.3375% | 3,166 |
| Tier 1 risk-based capital ratio | 10.5671% | 5,893 |
| Total risk-based capital ratio | 11.6743% | 5,889 |
| Memoranda: | ||
| Average total assets | $214,742,000 | 2,840 |
| Average earning assets | $208,258,670 | 2,730 |
| Average equity | $22,160,670 | 2,981 |
| Average total loans | $198,856,000 | 2,096 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1365% | 459 |
| Cost of funding earning assets | 0.6565% | 1,070 |
| Net interest margin | 4.4800% | 622 |
| Noninterest income to average assets | 0.3409% | 4,469 |
| Noninterest expense to average assets | 2.1036% | 5,377 |
| Loan and lease loss provision to assets | 0.0187% | 3,472 |
| Net operating income to assets | 2.5644% | 137 |
| Return on assets (ROA) | 2.5644% | 148 |
| Pretax return on assets | 2.5644% | 217 |
| Return on Equity (ROE) | 24.7744% | 111 |
| Retained earnings to average equity (ytd only) | 12.2876% | 532 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8841% | 6,147 |
| Assets per employee ($millions) | 7.4858% | 677 |
| Cash dividends to net income (ytd only)* | 50.4018% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 4,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 90.3840% | 50 |
| Net loans and leases to deposits | 100.9425% | 515 |
| Net loans and leases to core deposits | 112.3310% | 636 |
| Total domestic deposits to total assets | 89.5401% | 973 |
| Equity capital to assets | 10.3383% | 3,738 |
| Core capital (leverage) ratio | 10.3711% | 3,136 |
| Tier 1 risk-based capital ratio | 10.8672% | 5,866 |
| Total risk-based capital ratio | 11.9499% | 5,864 |
| Memoranda: | ||
| Average total assets | $213,539,000 | 2,869 |
| Average earning assets | $207,144,000 | 2,757 |
| Average equity | $22,103,500 | 3,007 |
| Average total loans | $193,372,000 | 2,144 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2860% | 454 |
| Cost of funding earning assets | 0.7054% | 1,072 |
| Net interest margin | 4.5806% | 638 |
| Noninterest income to average assets | 0.3606% | 4,515 |
| Noninterest expense to average assets | 2.0041% | 5,756 |
| Loan and lease loss provision to assets | 0.1021% | 2,447 |
| Net operating income to assets | 2.6866% | 121 |
| Return on assets (ROA) | 2.6866% | 120 |
| Pretax return on assets | 2.6866% | 152 |
| Return on Equity (ROE) | 27.6262% | 75 |
| Retained earnings to average equity (ytd only) | 12.4691% | 263 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8140% | 6,368 |
| Assets per employee ($millions) | 7.7774% | 584 |
| Cash dividends to net income (ytd only)* | 54.8649% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 4,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 88.6086% | 95 |
| Net loans and leases to deposits | 98.9566% | 688 |
| Net loans and leases to core deposits | 109.9659% | 775 |
| Total domestic deposits to total assets | 89.5429% | 955 |
| Equity capital to assets | 10.3643% | 3,653 |
| Core capital (leverage) ratio | 10.0580% | 3,485 |
| Tier 1 risk-based capital ratio | 11.5681% | 5,622 |
| Total risk-based capital ratio | 12.7513% | 5,579 |
| Memoranda: | ||
| Average total assets | $206,577,800 | 2,914 |
| Average earning assets | $199,885,400 | 2,808 |
| Average equity | $20,089,600 | 3,149 |
| Average total loans | $186,298,000 | 2,153 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2278% | 490 |
| Cost of funding earning assets | 0.7066% | 1,118 |
| Net interest margin | 4.5211% | 707 |
| Noninterest income to average assets | 0.3338% | 4,769 |
| Noninterest expense to average assets | 2.0065% | 5,764 |
| Loan and lease loss provision to assets | 0.1400% | 1,784 |
| Net operating income to assets | 2.5619% | 132 |
| Return on assets (ROA) | 2.5619% | 133 |
| Pretax return on assets | 2.5619% | 189 |
| Return on Equity (ROE) | 26.7934% | 79 |
| Retained earnings to average equity (ytd only) | 6.3578% | 2,187 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6153% | 6,404 |
| Assets per employee ($millions) | 7.9418% | 536 |
| Cash dividends to net income (ytd only)* | 76.2713% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1296% | 4,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 91.0632% | 40 |
| Net loans and leases to deposits | 100.7196% | 576 |
| Net loans and leases to core deposits | 113.3680% | 606 |
| Total domestic deposits to total assets | 90.4126% | 564 |
| Equity capital to assets | 9.4190% | 4,895 |
| Core capital (leverage) ratio | 9.4938% | 4,388 |
| Tier 1 risk-based capital ratio | 10.6831% | 6,140 |
| Total risk-based capital ratio | 11.8632% | 6,119 |
| Memoranda: | ||
| Average total assets | $205,724,500 | 2,951 |
| Average earning assets | $199,060,750 | 2,840 |
| Average equity | $19,671,000 | 3,203 |
| Average total loans | $185,798,500 | 2,170 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 533 |
| Cost of funding earning assets | 0.7105% | 1,136 |
| Net interest margin | 4.4609% | 765 |
| Noninterest income to average assets | 0.2850% | 5,142 |
| Noninterest expense to average assets | 2.0126% | 5,821 |
| Loan and lease loss provision to assets | 0.1144% | 2,125 |
| Net operating income to assets | 2.4672% | 147 |
| Return on assets (ROA) | 2.4672% | 152 |
| Pretax return on assets | 2.4672% | 219 |
| Return on Equity (ROE) | 25.6672% | 98 |
| Retained earnings to average equity (ytd only) | 1.5593% | 5,117 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8077% | 6,426 |
| Assets per employee ($millions) | 7.7268% | 563 |
| Cash dividends to net income (ytd only)* | 93.9249% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 4,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 89.0520% | 69 |
| Net loans and leases to deposits | 98.3567% | 644 |
| Net loans and leases to core deposits | 111.3020% | 636 |
| Total domestic deposits to total assets | 90.5399% | 570 |
| Equity capital to assets | 9.3043% | 4,977 |
| Core capital (leverage) ratio | 9.4046% | 4,465 |
| Tier 1 risk-based capital ratio | 10.6615% | 6,194 |
| Total risk-based capital ratio | 11.8320% | 6,164 |
| Memoranda: | ||
| Average total assets | $202,823,330 | 3,001 |
| Average earning assets | $195,925,000 | 2,883 |
| Average equity | $19,495,670 | 3,225 |
| Average total loans | $181,899,330 | 2,210 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1158% | 580 |
| Cost of funding earning assets | 0.7048% | 1,217 |
| Net interest margin | 4.4110% | 786 |
| Noninterest income to average assets | 0.2021% | 5,739 |
| Noninterest expense to average assets | 1.9708% | 5,940 |
| Loan and lease loss provision to assets | 0.1841% | 1,301 |
| Net operating income to assets | 2.3169% | 194 |
| Return on assets (ROA) | 2.3169% | 203 |
| Pretax return on assets | 2.3169% | 299 |
| Return on Equity (ROE) | 23.7076% | 153 |
| Retained earnings to average equity (ytd only) | 11.4239% | 685 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0716% | 6,498 |
| Assets per employee ($millions) | 7.5863% | 605 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 4,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 89.1159% | 59 |
| Net loans and leases to deposits | 98.8000% | 500 |
| Net loans and leases to core deposits | 112.0512% | 517 |
| Total domestic deposits to total assets | 90.1983% | 970 |
| Equity capital to assets | 9.6748% | 4,258 |
| Core capital (leverage) ratio | 9.9154% | 3,687 |
| Tier 1 risk-based capital ratio | 10.9638% | 6,168 |
| Total risk-based capital ratio | 12.1295% | 6,155 |
| Memoranda: | ||
| Average total assets | $199,923,500 | 3,049 |
| Average earning assets | $193,517,000 | 2,924 |
| Average equity | $19,538,000 | 3,222 |
| Average total loans | $178,892,000 | 2,243 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4762% | 380 |
| Cost of funding earning assets | 0.7824% | 1,306 |
| Net interest margin | 4.6938% | 513 |
| Noninterest income to average assets | 0.5592% | 3,340 |
| Noninterest expense to average assets | 2.0809% | 5,868 |
| Loan and lease loss provision to assets | 0.1409% | 2,546 |
| Net operating income to assets | 2.8758% | 118 |
| Return on assets (ROA) | 2.8758% | 118 |
| Pretax return on assets | 2.8758% | 136 |
| Return on Equity (ROE) | 29.5916% | 76 |
| Retained earnings to average equity (ytd only) | 14.3784% | 189 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8216% | 6,677 |
| Assets per employee ($millions) | 7.2228% | 679 |
| Cash dividends to net income (ytd only)* | 51.4106% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 4,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 87.7492% | 98 |
| Net loans and leases to deposits | 97.4816% | 624 |
| Net loans and leases to core deposits | 111.1606% | 570 |
| Total domestic deposits to total assets | 90.0162% | 1,065 |
| Equity capital to assets | 9.8756% | 3,931 |
| Core capital (leverage) ratio | 9.8382% | 3,793 |
| Tier 1 risk-based capital ratio | 11.3859% | 5,974 |
| Total risk-based capital ratio | 12.5772% | 5,942 |
| Memoranda: | ||
| Average total assets | $182,417,200 | 3,245 |
| Average earning assets | $176,381,000 | 3,124 |
| Average equity | $17,728,000 | 3,462 |
| Average total loans | $164,747,800 | 2,359 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4931% | 378 |
| Cost of funding earning assets | 0.7973% | 1,343 |
| Net interest margin | 4.6959% | 518 |
| Noninterest income to average assets | 0.6247% | 3,014 |
| Noninterest expense to average assets | 2.1033% | 5,822 |
| Loan and lease loss provision to assets | 0.1443% | 2,478 |
| Net operating income to assets | 2.9110% | 119 |
| Return on assets (ROA) | 2.9110% | 122 |
| Pretax return on assets | 2.9110% | 149 |
| Return on Equity (ROE) | 30.0863% | 68 |
| Retained earnings to average equity (ytd only) | 9.6316% | 874 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7728% | 6,733 |
| Assets per employee ($millions) | 7.7415% | 525 |
| Cash dividends to net income (ytd only)* | 67.9866% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 5,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 87.5353% | 94 |
| Net loans and leases to deposits | 96.6776% | 643 |
| Net loans and leases to core deposits | 110.6934% | 554 |
| Total domestic deposits to total assets | 90.5435% | 728 |
| Equity capital to assets | 9.2814% | 4,825 |
| Core capital (leverage) ratio | 9.5107% | 4,389 |
| Tier 1 risk-based capital ratio | 10.9374% | 6,306 |
| Total risk-based capital ratio | 12.1259% | 6,300 |
| Memoranda: | ||
| Average total assets | $179,267,500 | 3,306 |
| Average earning assets | $173,084,000 | 3,200 |
| Average equity | $17,345,250 | 3,555 |
| Average total loans | $162,649,750 | 2,400 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5201% | 359 |
| Cost of funding earning assets | 0.8186% | 1,311 |
| Net interest margin | 4.7015% | 509 |
| Noninterest income to average assets | 0.6326% | 3,007 |
| Noninterest expense to average assets | 2.2039% | 5,618 |
| Loan and lease loss provision to assets | 0.1341% | 2,646 |
| Net operating income to assets | 2.8365% | 124 |
| Return on assets (ROA) | 2.8365% | 128 |
| Pretax return on assets | 2.8365% | 173 |
| Return on Equity (ROE) | 28.8809% | 81 |
| Retained earnings to average equity (ytd only) | 4.8543% | 3,143 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5914% | 6,742 |
| Assets per employee ($millions) | 7.3167% | 620 |
| Cash dividends to net income (ytd only)* | 83.1919% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 5,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 90.0294% | 42 |
| Net loans and leases to deposits | 99.5033% | 451 |
| Net loans and leases to core deposits | 115.4652% | 406 |
| Total domestic deposits to total assets | 90.4788% | 771 |
| Equity capital to assets | 9.3627% | 4,768 |
| Core capital (leverage) ratio | 9.7325% | 3,894 |
| Tier 1 risk-based capital ratio | 10.7811% | 6,418 |
| Total risk-based capital ratio | 11.9614% | 6,417 |
| Memoranda: | ||
| Average total assets | $174,510,670 | 3,379 |
| Average earning assets | $168,585,330 | 3,273 |
| Average equity | $17,139,330 | 3,604 |
| Average total loans | $159,744,330 | 2,444 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5378% | 350 |
| Cost of funding earning assets | 0.8505% | 1,253 |
| Net interest margin | 4.6873% | 482 |
| Noninterest income to average assets | 0.7845% | 2,191 |
| Noninterest expense to average assets | 2.2571% | 5,549 |
| Loan and lease loss provision to assets | 0.0399% | 3,930 |
| Net operating income to assets | 3.0181% | 104 |
| Return on assets (ROA) | 3.0181% | 110 |
| Pretax return on assets | 3.0181% | 154 |
| Return on Equity (ROE) | 29.9778% | 77 |
| Retained earnings to average equity (ytd only) | 20.3429% | 129 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4658% | 6,822 |
| Assets per employee ($millions) | 6.9187% | 797 |
| Cash dividends to net income (ytd only)* | 32.1401% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 5,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 88.2174% | 68 |
| Net loans and leases to deposits | 98.3842% | 427 |
| Net loans and leases to core deposits | 116.0781% | 354 |
| Total domestic deposits to total assets | 89.6662% | 1,255 |
| Equity capital to assets | 10.1649% | 3,940 |
| Core capital (leverage) ratio | 10.3189% | 3,005 |
| Tier 1 risk-based capital ratio | 11.9856% | 5,921 |
| Total risk-based capital ratio | 13.1956% | 5,912 |
| Memoranda: | ||
| Average total assets | $170,307,000 | 3,487 |
| Average earning assets | $164,613,500 | 3,363 |
| Average equity | $17,146,000 | 3,641 |
| Average total loans | $156,339,000 | 2,508 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8588% | 336 |
| Cost of funding earning assets | 0.9730% | 1,507 |
| Net interest margin | 4.8859% | 461 |
| Noninterest income to average assets | 0.7361% | 2,560 |
| Noninterest expense to average assets | 2.2153% | 5,895 |
| Loan and lease loss provision to assets | 0.1698% | 3,495 |
| Net operating income to assets | 3.0430% | 95 |
| Return on assets (ROA) | 3.0430% | 99 |
| Pretax return on assets | 3.0430% | 141 |
| Return on Equity (ROE) | 31.7293% | 53 |
| Retained earnings to average equity (ytd only) | 16.5559% | 105 |
| Net charge-offs to loans | 0.0122% | 5,750 |
| Credit loss provision to net charge-offs | 1,494.4444% | 165 |
| Earnings coverage of net charge-offs (x) | 282.7222% | 137 |
| Efficiency ratio | 40.8118% | 6,914 |
| Assets per employee ($millions) | 7.2890% | 680 |
| Cash dividends to net income (ytd only)* | 47.8216% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 5,515 |
| Loan loss allowance to noncurrent loans | 25,114.2857% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 6,696 |
| Noncurrent loans to loans | 0.0044% | 6,576 |
| Net loans and leases to total assets | 93.3855% | 13 |
| Net loans and leases to deposits | 103.8962% | 268 |
| Net loans and leases to core deposits | 124.1509% | 240 |
| Total domestic deposits to total assets | 89.8835% | 1,020 |
| Equity capital to assets | 9.9674% | 4,214 |
| Core capital (leverage) ratio | 10.3059% | 3,004 |
| Tier 1 risk-based capital ratio | 11.2962% | 6,217 |
| Total risk-based capital ratio | 12.4846% | 6,218 |
| Memoranda: | ||
| Average total assets | $158,396,600 | 3,648 |
| Average earning assets | $152,112,600 | 3,506 |
| Average equity | $15,191,000 | 3,920 |
| Average total loans | $147,674,000 | 2,608 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9079% | 326 |
| Cost of funding earning assets | 1.0086% | 1,504 |
| Net interest margin | 4.8993% | 472 |
| Noninterest income to average assets | 0.6962% | 2,730 |
| Noninterest expense to average assets | 2.2176% | 5,911 |
| Loan and lease loss provision to assets | 0.1726% | 3,406 |
| Net operating income to assets | 3.0034% | 104 |
| Return on assets (ROA) | 3.0034% | 110 |
| Pretax return on assets | 3.0034% | 154 |
| Return on Equity (ROE) | 31.6508% | 65 |
| Retained earnings to average equity (ytd only) | 11.1714% | 654 |
| Net charge-offs to loans | 0.0166% | 5,454 |
| Credit loss provision to net charge-offs | 1,122.2222% | 255 |
| Earnings coverage of net charge-offs (x) | 206.5504% | 220 |
| Efficiency ratio | 41.1150% | 6,990 |
| Assets per employee ($millions) | 7.0147% | 735 |
| Cash dividends to net income (ytd only)* | 64.7043% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 5,770 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 95.3210% | 6 |
| Net loans and leases to deposits | 106.1654% | 232 |
| Net loans and leases to core deposits | 125.5802% | 233 |
| Total domestic deposits to total assets | 89.7854% | 958 |
| Equity capital to assets | 9.5676% | 5,115 |
| Core capital (leverage) ratio | 9.5661% | 4,167 |
| Tier 1 risk-based capital ratio | 10.6019% | 6,633 |
| Total risk-based capital ratio | 11.7633% | 6,644 |
| Memoranda: | ||
| Average total assets | $156,084,000 | 3,721 |
| Average earning assets | $149,649,750 | 3,595 |
| Average equity | $14,811,250 | 4,045 |
| Average total loans | $145,013,500 | 2,675 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8968% | 345 |
| Cost of funding earning assets | 1.0403% | 1,522 |
| Net interest margin | 4.8565% | 510 |
| Noninterest income to average assets | 0.6298% | 3,078 |
| Noninterest expense to average assets | 2.2277% | 5,930 |
| Loan and lease loss provision to assets | 0.1879% | 3,223 |
| Net operating income to assets | 2.8665% | 113 |
| Return on assets (ROA) | 2.8665% | 119 |
| Pretax return on assets | 2.8665% | 177 |
| Return on Equity (ROE) | 30.2951% | 77 |
| Retained earnings to average equity (ytd only) | 5.2318% | 3,136 |
| Net charge-offs to loans | 0.0254% | 5,029 |
| Credit loss provision to net charge-offs | 805.5556% | 396 |
| Earnings coverage of net charge-offs (x) | 130.9444% | 343 |
| Efficiency ratio | 42.1737% | 7,015 |
| Assets per employee ($millions) | 7.1524% | 680 |
| Cash dividends to net income (ytd only)* | 82.7306% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 5,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 89.0708% | 55 |
| Net loans and leases to deposits | 97.8941% | 536 |
| Net loans and leases to core deposits | 115.8299% | 400 |
| Total domestic deposits to total assets | 90.9869% | 449 |
| Equity capital to assets | 8.8611% | 5,851 |
| Core capital (leverage) ratio | 9.2852% | 4,474 |
| Tier 1 risk-based capital ratio | 10.3895% | 6,729 |
| Total risk-based capital ratio | 11.5541% | 6,740 |
| Memoranda: | ||
| Average total assets | $154,333,000 | 3,761 |
| Average earning assets | $147,843,330 | 3,647 |
| Average equity | $14,603,000 | 4,072 |
| Average total loans | $141,525,000 | 2,753 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9482% | 328 |
| Cost of funding earning assets | 1.0886% | 1,461 |
| Net interest margin | 4.8596% | 496 |
| Noninterest income to average assets | 0.6781% | 2,767 |
| Noninterest expense to average assets | 2.2969% | 5,778 |
| Loan and lease loss provision to assets | 0.2278% | 2,670 |
| Net operating income to assets | 2.7954% | 126 |
| Return on assets (ROA) | 2.7954% | 149 |
| Pretax return on assets | 2.7954% | 229 |
| Return on Equity (ROE) | 28.5441% | 117 |
| Retained earnings to average equity (ytd only) | 23.0432% | 122 |
| Net charge-offs to loans | -0.0087% | 5,905 |
| Credit loss provision to net charge-offs | -2,833.3333% | 6,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1738% | 7,021 |
| Assets per employee ($millions) | 6.6958% | 880 |
| Cash dividends to net income (ytd only)* | 19.2713% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 5,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 91.0898% | 28 |
| Net loans and leases to deposits | 101.1282% | 336 |
| Net loans and leases to core deposits | 123.6771% | 258 |
| Total domestic deposits to total assets | 90.0736% | 1,044 |
| Equity capital to assets | 9.7640% | 4,433 |
| Core capital (leverage) ratio | 10.0326% | 3,325 |
| Tier 1 risk-based capital ratio | 11.3092% | 6,384 |
| Total risk-based capital ratio | 12.5088% | 6,389 |
| Memoranda: | ||
| Average total assets | $149,247,000 | 3,885 |
| Average earning assets | $142,563,500 | 3,770 |
| Average equity | $14,616,000 | 4,070 |
| Average total loans | $138,207,500 | 2,809 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1831% | 322 |
| Cost of funding earning assets | 1.1646% | 2,253 |
| Net interest margin | 5.0185% | 405 |
| Noninterest income to average assets | 0.7779% | 2,178 |
| Noninterest expense to average assets | 2.4777% | 5,543 |
| Loan and lease loss provision to assets | 0.4867% | 2,172 |
| Net operating income to assets | 2.5920% | 122 |
| Return on assets (ROA) | 2.5920% | 124 |
| Pretax return on assets | 2.5920% | 182 |
| Return on Equity (ROE) | 27.1175% | 73 |
| Retained earnings to average equity (ytd only) | 6.6864% | 1,648 |
| Net charge-offs to loans | 0.0036% | 6,395 |
| Credit loss provision to net charge-offs | 14,375.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 909.2500% | 30 |
| Efficiency ratio | 44.5917% | 7,103 |
| Assets per employee ($millions) | 6.8805% | 782 |
| Cash dividends to net income (ytd only)* | 75.3429% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 5,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 6,575 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 92.0693% | 23 |
| Net loans and leases to deposits | 102.2505% | 362 |
| Net loans and leases to core deposits | 126.1101% | 276 |
| Total domestic deposits to total assets | 90.0429% | 974 |
| Equity capital to assets | 9.8242% | 4,408 |
| Core capital (leverage) ratio | 10.1640% | 3,150 |
| Tier 1 risk-based capital ratio | 11.2855% | 6,300 |
| Total risk-based capital ratio | 12.4836% | 6,302 |
| Memoranda: | ||
| Average total assets | $118,131,400 | 4,455 |
| Average earning assets | $112,483,200 | 4,318 |
| Average equity | $11,291,600 | 4,718 |
| Average total loans | $110,394,200 | 3,367 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1470% | 364 |
| Cost of funding earning assets | 1.1613% | 2,556 |
| Net interest margin | 4.9857% | 427 |
| Noninterest income to average assets | 0.7339% | 2,394 |
| Noninterest expense to average assets | 2.5210% | 5,398 |
| Loan and lease loss provision to assets | 0.4602% | 2,154 |
| Net operating income to assets | 2.4947% | 157 |
| Return on assets (ROA) | 2.4947% | 163 |
| Pretax return on assets | 2.4947% | 254 |
| Return on Equity (ROE) | 26.3360% | 109 |
| Retained earnings to average equity (ytd only) | 11.9882% | 500 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0380% | 7,060 |
| Assets per employee ($millions) | 6.1345% | 1,129 |
| Cash dividends to net income (ytd only)* | 54.4800% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 5,850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 91.3751% | 25 |
| Net loans and leases to deposits | 103.0888% | 348 |
| Net loans and leases to core deposits | 131.8496% | 224 |
| Total domestic deposits to total assets | 88.6373% | 1,668 |
| Equity capital to assets | 11.1702% | 2,987 |
| Core capital (leverage) ratio | 11.6150% | 1,948 |
| Tier 1 risk-based capital ratio | 13.0054% | 5,094 |
| Total risk-based capital ratio | 14.1993% | 5,103 |
| Memoranda: | ||
| Average total assets | $111,541,750 | 4,634 |
| Average earning assets | $106,087,500 | 4,525 |
| Average equity | $10,565,750 | 4,908 |
| Average total loans | $104,358,250 | 3,537 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0503% | 433 |
| Cost of funding earning assets | 1.1586% | 2,850 |
| Net interest margin | 4.8917% | 500 |
| Noninterest income to average assets | 0.8281% | 1,899 |
| Noninterest expense to average assets | 2.6167% | 5,131 |
| Loan and lease loss provision to assets | 0.5521% | 1,758 |
| Net operating income to assets | 2.2972% | 221 |
| Return on assets (ROA) | 2.2972% | 236 |
| Pretax return on assets | 2.2972% | 354 |
| Return on Equity (ROE) | 26.1543% | 112 |
| Retained earnings to average equity (ytd only) | 9.8805% | 880 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8727% | 7,068 |
| Assets per employee ($millions) | 5.6523% | 1,441 |
| Cash dividends to net income (ytd only)* | 62.2222% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 6,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 94.4607% | 8 |
| Net loans and leases to deposits | 111.2243% | 160 |
| Net loans and leases to core deposits | 141.0512% | 184 |
| Total domestic deposits to total assets | 84.9281% | 3,909 |
| Equity capital to assets | 8.3304% | 6,384 |
| Core capital (leverage) ratio | 9.1795% | 4,442 |
| Tier 1 risk-based capital ratio | 9.3002% | 7,140 |
| Total risk-based capital ratio | 10.4552% | 7,152 |
| Memoranda: | ||
| Average total assets | $105,780,670 | 4,802 |
| Average earning assets | $100,292,670 | 4,703 |
| Average equity | $9,291,000 | 5,242 |
| Average total loans | $99,466,000 | 3,702 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1006% | 401 |
| Cost of funding earning assets | 1.1988% | 2,827 |
| Net interest margin | 4.9018% | 463 |
| Noninterest income to average assets | 1.0592% | 1,171 |
| Noninterest expense to average assets | 2.7788% | 4,531 |
| Loan and lease loss provision to assets | 0.4229% | 2,077 |
| Net operating income to assets | 2.4848% | 180 |
| Return on assets (ROA) | 2.4848% | 186 |
| Pretax return on assets | 2.4848% | 250 |
| Return on Equity (ROE) | 27.4451% | 112 |
| Retained earnings to average equity (ytd only) | 27.4451% | 75 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8669% | 7,073 |
| Assets per employee ($millions) | 4.8086% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 6,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 92.7114% | 17 |
| Net loans and leases to deposits | 104.5379% | 295 |
| Net loans and leases to core deposits | 138.0317% | 205 |
| Total domestic deposits to total assets | 88.6869% | 1,966 |
| Equity capital to assets | 9.2107% | 4,855 |
| Core capital (leverage) ratio | 9.4685% | 3,864 |
| Tier 1 risk-based capital ratio | 10.4356% | 6,840 |
| Total risk-based capital ratio | 11.6035% | 6,869 |
| Memoranda: | ||
| Average total assets | $99,322,000 | 5,019 |
| Average earning assets | $93,761,500 | 4,921 |
| Average equity | $8,992,500 | 5,333 |
| Average total loans | $92,523,500 | 3,911 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0969% | 703 |
| Cost of funding earning assets | 1.2638% | 4,114 |
| Net interest margin | 4.8332% | 631 |
| Noninterest income to average assets | 1.1602% | 1,095 |
| Noninterest expense to average assets | 2.9804% | 3,925 |
| Loan and lease loss provision to assets | 0.5611% | 2,882 |
| Net operating income to assets | 1.9231% | 321 |
| Return on assets (ROA) | 1.9231% | 342 |
| Pretax return on assets | 2.2353% | 295 |
| Return on Equity (ROE) | 21.2459% | 189 |
| Retained earnings to average equity (ytd only) | 21.2459% | 45 |
| Net charge-offs to loans | 0.0149% | 6,678 |
| Credit loss provision to net charge-offs | 4,018.1818% | 51 |
| Earnings coverage of net charge-offs (x) | 200.2727% | 124 |
| Efficiency ratio | 51.5931% | 7,014 |
| Assets per employee ($millions) | 4.8832% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 6,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 91.5895% | 31 |
| Net loans and leases to deposits | 105.6916% | 335 |
| Net loans and leases to core deposits | 139.3954% | 232 |
| Total domestic deposits to total assets | 86.6573% | 3,001 |
| Equity capital to assets | 8.8917% | 5,299 |
| Core capital (leverage) ratio | 9.3870% | 3,866 |
| Tier 1 risk-based capital ratio | 10.3252% | 6,812 |
| Total risk-based capital ratio | 11.4381% | 6,857 |
| Memoranda: | ||
| Average total assets | $78,780,400 | 5,627 |
| Average earning assets | $75,251,000 | 5,500 |
| Average equity | $7,130,800 | 5,988 |
| Average total loans | $73,594,000 | 4,544 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1309% | 717 |
| Cost of funding earning assets | 1.2589% | 4,502 |
| Net interest margin | 4.8719% | 582 |
| Noninterest income to average assets | 0.9758% | 1,534 |
| Noninterest expense to average assets | 2.8913% | 4,131 |
| Loan and lease loss provision to assets | 0.5185% | 2,860 |
| Net operating income to assets | 1.7859% | 527 |
| Return on assets (ROA) | 1.7859% | 573 |
| Pretax return on assets | 2.2270% | 386 |
| Return on Equity (ROE) | 19.6163% | 329 |
| Retained earnings to average equity (ytd only) | 19.6163% | 88 |
| Net charge-offs to loans | 0.0211% | 6,379 |
| Credit loss provision to net charge-offs | 2,618.1818% | 116 |
| Earnings coverage of net charge-offs (x) | 138.6012% | 230 |
| Efficiency ratio | 51.2935% | 7,049 |
| Assets per employee ($millions) | 4.4663% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 6,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 91.6639% | 33 |
| Net loans and leases to deposits | 105.3426% | 388 |
| Net loans and leases to core deposits | 136.1037% | 300 |
| Total domestic deposits to total assets | 87.0151% | 2,520 |
| Equity capital to assets | 9.1457% | 5,386 |
| Core capital (leverage) ratio | 9.7042% | 3,618 |
| Tier 1 risk-based capital ratio | 10.3667% | 6,850 |
| Total risk-based capital ratio | 11.4112% | 6,957 |
| Memoranda: | ||
| Average total assets | $74,059,500 | 5,831 |
| Average earning assets | $70,852,750 | 5,707 |
| Average equity | $6,742,500 | 6,204 |
| Average total loans | $69,396,000 | 4,780 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0710% | 803 |
| Cost of funding earning assets | 1.2301% | 4,959 |
| Net interest margin | 4.8409% | 611 |
| Noninterest income to average assets | 0.8516% | 1,876 |
| Noninterest expense to average assets | 2.7477% | 4,707 |
| Loan and lease loss provision to assets | 0.5422% | 2,607 |
| Net operating income to assets | 1.5356% | 836 |
| Return on assets (ROA) | 1.5356% | 894 |
| Pretax return on assets | 2.2311% | 386 |
| Return on Equity (ROE) | 16.8983% | 582 |
| Retained earnings to average equity (ytd only) | 16.8983% | 159 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7686% | 7,240 |
| Assets per employee ($millions) | 4.7182% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 6,632 |
| Loan loss allowance to noncurrent loans | 6,327.2727% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 7,376 |
| Noncurrent loans to loans | 0.0148% | 7,296 |
| Net loans and leases to total assets | 91.4998% | 36 |
| Net loans and leases to deposits | 112.2717% | 229 |
| Net loans and leases to core deposits | 151.0279% | 208 |
| Total domestic deposits to total assets | 81.4986% | 5,197 |
| Equity capital to assets | 9.1136% | 5,276 |
| Core capital (leverage) ratio | 9.9265% | 3,251 |
| Tier 1 risk-based capital ratio | 10.5030% | 6,685 |
| Total risk-based capital ratio | 11.5030% | 6,853 |
| Memoranda: | ||
| Average total assets | $70,459,330 | 5,963 |
| Average earning assets | $67,962,000 | 5,833 |
| Average equity | $6,403,000 | 6,339 |
| Average total loans | $66,338,670 | 4,926 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1043% | 772 |
| Cost of funding earning assets | 1.2234% | 5,265 |
| Net interest margin | 4.8809% | 544 |
| Noninterest income to average assets | 1.0490% | 1,156 |
| Noninterest expense to average assets | 2.7690% | 4,613 |
| Loan and lease loss provision to assets | 0.4513% | 2,711 |
| Net operating income to assets | 1.0551% | 1,987 |
| Return on assets (ROA) | 1.0551% | 2,049 |
| Pretax return on assets | 2.5494% | 238 |
| Return on Equity (ROE) | 11.6312% | 1,602 |
| Retained earnings to average equity (ytd only) | 11.6312% | 808 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9915% | 7,439 |
| Assets per employee ($millions) | 5.1885% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8983% | 6,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 94.6984% | 12 |
| Net loans and leases to deposits | 113.1713% | 225 |
| Net loans and leases to core deposits | 158.6917% | 192 |
| Total domestic deposits to total assets | 83.6770% | 4,314 |
| Equity capital to assets | 8.9576% | 5,340 |
| Core capital (leverage) ratio | 9.1186% | 4,340 |
| Tier 1 risk-based capital ratio | 9.9714% | 7,055 |
| Total risk-based capital ratio | 10.9270% | 7,212 |
| Memoranda: | ||
| Average total assets | $65,584,000 | 6,187 |
| Average earning assets | $63,431,000 | 6,044 |
| Average equity | $5,949,500 | 6,537 |
| Average total loans | $62,464,000 | 5,154 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5783% | 3,712 |
| Cost of funding earning assets | 1.3898% | 5,975 |
| Net interest margin | 4.1885% | 2,112 |
| Noninterest income to average assets | 0.9114% | 1,902 |
| Noninterest expense to average assets | 3.4217% | 2,613 |
| Loan and lease loss provision to assets | 1.0590% | 2,167 |
| Net operating income to assets | 0.3069% | 4,509 |
| Return on assets (ROA) | 0.3069% | 4,590 |
| Pretax return on assets | 0.4568% | 4,331 |
| Return on Equity (ROE) | 2.3288% | 4,775 |
| Retained earnings to average equity (ytd only) | 2.3288% | 3,489 |
| Net charge-offs to loans | 0.3207% | 4,635 |
| Credit loss provision to net charge-offs | 367.2000% | 874 |
| Earnings coverage of net charge-offs (x) | 5.2560% | 2,646 |
| Efficiency ratio | 69.2991% | 4,772 |
| Assets per employee ($millions) | 4.9013% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8351% | 7,031 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 94.1177% | 12 |
| Net loans and leases to deposits | 123.5583% | 134 |
| Net loans and leases to core deposits | 205.0643% | 91 |
| Total domestic deposits to total assets | 76.1728% | 6,643 |
| Equity capital to assets | 9.1922% | 4,851 |
| Core capital (leverage) ratio | 9.4159% | 3,817 |
| Tier 1 risk-based capital ratio | 10.0774% | 6,805 |
| Total risk-based capital ratio | 10.9842% | 7,055 |
| Memoranda: | ||
| Average total assets | $43,341,600 | 6,974 |
| Average earning assets | $41,661,600 | 6,876 |
| Average equity | $5,711,200 | 6,708 |
| Average total loans | $38,982,400 | 6,160 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2929% | 5,465 |
| Cost of funding earning assets | 1.4323% | 6,114 |
| Net interest margin | 3.8606% | 3,386 |
| Noninterest income to average assets | 0.8750% | 2,086 |
| Noninterest expense to average assets | 3.5871% | 2,052 |
| Loan and lease loss provision to assets | 1.2480% | 1,549 |
| Net operating income to assets | -0.1290% | 5,941 |
| Return on assets (ROA) | -0.1290% | 5,970 |
| Pretax return on assets | -0.2579% | 6,051 |
| Return on Equity (ROE) | -0.8693% | 5,910 |
| Retained earnings to average equity (ytd only) | -0.8693% | 5,458 |
| Net charge-offs to loans | 0.4959% | 3,240 |
| Credit loss provision to net charge-offs | 286.4000% | 1,461 |
| Earnings coverage of net charge-offs (x) | 2.2721% | 4,120 |
| Efficiency ratio | 78.3701% | 3,110 |
| Assets per employee ($millions) | 4.6594% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8004% | 7,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 89.5498% | 133 |
| Net loans and leases to deposits | 113.0095% | 364 |
| Net loans and leases to core deposits | 157.3440% | 431 |
| Total domestic deposits to total assets | 79.2410% | 5,715 |
| Equity capital to assets | 10.1712% | 3,881 |
| Core capital (leverage) ratio | 11.8086% | 1,899 |
| Tier 1 risk-based capital ratio | 11.9257% | 5,040 |
| Total risk-based capital ratio | 12.7729% | 5,361 |
| Memoranda: | ||
| Average total assets | $38,247,750 | 7,226 |
| Average earning assets | $36,677,250 | 7,129 |
| Average equity | $5,674,750 | 6,791 |
| Average total loans | $33,609,500 | 6,472 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0994% | 6,442 |
| Cost of funding earning assets | 1.5621% | 5,875 |
| Net interest margin | 3.5373% | 4,629 |
| Noninterest income to average assets | 0.9395% | 1,800 |
| Noninterest expense to average assets | 4.1595% | 1,115 |
| Loan and lease loss provision to assets | 1.4772% | 1,165 |
| Net operating income to assets | -0.7788% | 6,816 |
| Return on assets (ROA) | -0.7788% | 6,820 |
| Pretax return on assets | -1.3103% | 6,995 |
| Return on Equity (ROE) | -4.4439% | 6,540 |
| Retained earnings to average equity (ytd only) | -4.4439% | 6,214 |
| Net charge-offs to loans | 0.8932% | 1,910 |
| Credit loss provision to net charge-offs | 191.2000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 0.2160% | 5,457 |
| Efficiency ratio | 96.1429% | 1,364 |
| Assets per employee ($millions) | 3.7100% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 7,187 |
| 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 | 87.7873% | 248 |
| Net loans and leases to deposits | 117.3469% | 292 |
| Net loans and leases to core deposits | 161.8669% | 423 |
| Total domestic deposits to total assets | 74.8101% | 6,798 |
| Equity capital to assets | 13.7172% | 1,416 |
| Core capital (leverage) ratio | 14.8441% | 954 |
| Tier 1 risk-based capital ratio | 15.1753% | 2,946 |
| Total risk-based capital ratio | 15.9813% | 3,068 |
| Memoranda: | ||
| Average total assets | $32,359,330 | 7,516 |
| Average earning assets | $30,984,000 | 7,439 |
| Average equity | $5,670,670 | 6,846 |
| Average total loans | $27,988,000 | 6,847 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 7,326 |
| Cost of funding earning assets | 1.6247% | 5,927 |
| Net interest margin | 3.2050% | 5,842 |
| Noninterest income to average assets | 0.9668% | 1,584 |
| Noninterest expense to average assets | 4.3506% | 816 |
| Loan and lease loss provision to assets | 0.6398% | 1,971 |
| Net operating income to assets | -0.4834% | 6,860 |
| Return on assets (ROA) | -0.4834% | 6,918 |
| Pretax return on assets | -0.9384% | 7,121 |
| Return on Equity (ROE) | -2.3830% | 6,708 |
| Retained earnings to average equity (ytd only) | -2.3830% | 6,172 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.3684% | 888 |
| Assets per employee ($millions) | 3.0908% | 5,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7828% | 7,220 |
| Loan loss allowance to noncurrent loans | 43.2000% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 1.6177% | 3,493 |
| Noncurrent loans to loans | 1.8121% | 3,547 |
| Net loans and leases to total assets | 88.5725% | 225 |
| Net loans and leases to deposits | 110.0543% | 606 |
| Net loans and leases to core deposits | 151.2821% | 667 |
| Total domestic deposits to total assets | 80.4808% | 5,176 |
| Equity capital to assets | 18.4095% | 556 |
| Core capital (leverage) ratio | 20.2038% | 388 |
| Tier 1 risk-based capital ratio | 21.2318% | 1,415 |
| Total risk-based capital ratio | 22.0639% | 1,449 |
| Memoranda: | ||
| Average total assets | $28,134,000 | 7,728 |
| Average earning assets | $27,082,500 | 7,639 |
| Average equity | $5,707,000 | 6,875 |
| Average total loans | $23,926,500 | 7,136 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1320% | 8,167 |
| Cost of funding earning assets | 0.9826% | 8,061 |
| Net interest margin | 2.1494% | 7,988 |
| Noninterest income to average assets | 0.4472% | 5,060 |
| Noninterest expense to average assets | 3.7450% | 1,864 |
| Loan and lease loss provision to assets | 0.8404% | 1,777 |
| Net operating income to assets | -1.3565% | 7,413 |
| Return on assets (ROA) | -1.3565% | 7,354 |
| Pretax return on assets | -2.0740% | 7,458 |
| Return on Equity (ROE) | -4.7532% | 6,838 |
| Retained earnings to average equity (ytd only) | -4.7532% | 6,470 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.1194% | 356 |
| Assets per employee ($millions) | 2.5360% | 7,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 6,925 |
| 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 | 79.2192% | 1,831 |
| Net loans and leases to deposits | 109.6915% | 857 |
| Net loans and leases to core deposits | 167.9906% | 440 |
| Total domestic deposits to total assets | 72.2200% | 6,961 |
| Equity capital to assets | 22.5710% | 328 |
| Core capital (leverage) ratio | 25.2444% | 259 |
| Tier 1 risk-based capital ratio | 27.5511% | 790 |
| Total risk-based capital ratio | 28.3957% | 796 |
| Memoranda: | ||
| Average total assets | $20,347,000 | 8,003 |
| Average earning assets | $19,540,000 | 7,956 |
| Average equity | $5,806,670 | 6,878 |
| Average total loans | $15,685,000 | 7,607 |