Home > PrimeSouth Bank > Performance and Condition Ratios
PrimeSouth Bank, Performance and Condition Ratios
| 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 | 5.0500% | 1,350 |
| Cost of funding earning assets | 1.2845% | 778 |
| Net interest margin | 3.7656% | 2,707 |
| Noninterest income to average assets | 0.4085% | 3,223 |
| Noninterest expense to average assets | 1.9670% | 4,661 |
| Loan and lease loss provision to assets | 0.6240% | 177 |
| Net operating income to assets | 1.0444% | 2,746 |
| Return on assets (ROA) | 1.0406% | 2,835 |
| Pretax return on assets | 1.2947% | 2,580 |
| Return on Equity (ROE) | 10.1445% | 2,323 |
| Retained earnings to average equity (ytd only) | 5.5270% | 2,505 |
| Net charge-offs to loans | 1.0927% | 123 |
| Credit loss provision to net charge-offs | 79.8354% | 2,226 |
| Earnings coverage of net charge-offs (x) | 2.4609% | 2,941 |
| Efficiency ratio | 50.5581% | 4,752 |
| Assets per employee ($millions) | 6.3251% | 1,319 |
| Cash dividends to net income (ytd only)* | 45.5178% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 2,363 |
| Loan loss allowance to noncurrent loans | 158.4892% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 1.3597% | 897 |
| Noncurrent loans to loans | 0.7757% | 2,041 |
| Net loans and leases to total assets | 69.0103% | 2,676 |
| Net loans and leases to deposits | 79.9803% | 2,959 |
| Net loans and leases to core deposits | 91.3562% | 2,477 |
| Total domestic deposits to total assets | 86.2842% | 1,901 |
| Equity capital to assets | 10.6401% | 3,397 |
| Core capital (leverage) ratio | 10.5318% | 3,054 |
| Tier 1 risk-based capital ratio | 12.5957% | 4,081 |
| Total risk-based capital ratio | 13.6158% | 4,078 |
| Memoranda: | ||
| Average total assets | $248,706,330 | 2,500 |
| Average earning assets | $229,978,000 | 2,502 |
| Average equity | $25,511,330 | 2,675 |
| Average total loans | $177,909,670 | 2,365 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0075% | 1,328 |
| Cost of funding earning assets | 1.2519% | 765 |
| Net interest margin | 3.7556% | 2,686 |
| Noninterest income to average assets | 0.4293% | 2,983 |
| Noninterest expense to average assets | 1.8837% | 4,820 |
| Loan and lease loss provision to assets | 0.6023% | 175 |
| Net operating income to assets | 1.0936% | 2,499 |
| Return on assets (ROA) | 1.0860% | 2,567 |
| Pretax return on assets | 1.4128% | 2,039 |
| Return on Equity (ROE) | 10.7861% | 2,035 |
| Retained earnings to average equity (ytd only) | 4.4226% | 3,159 |
| Net charge-offs to loans | 1.2065% | 103 |
| Credit loss provision to net charge-offs | 68.9908% | 1,858 |
| Earnings coverage of net charge-offs (x) | 2.3193% | 2,506 |
| Efficiency ratio | 48.1967% | 4,935 |
| Assets per employee ($millions) | 6.3307% | 1,330 |
| Cash dividends to net income (ytd only)* | 58.9971% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,568 |
| Loan loss allowance to noncurrent loans | 243.5868% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.6488% | 2,151 |
| Noncurrent loans to loans | 0.4932% | 2,836 |
| Net loans and leases to total assets | 69.6978% | 2,530 |
| Net loans and leases to deposits | 80.0618% | 2,834 |
| Net loans and leases to core deposits | 91.2061% | 2,376 |
| Total domestic deposits to total assets | 87.0550% | 1,784 |
| Equity capital to assets | 10.0357% | 3,795 |
| Core capital (leverage) ratio | 10.3999% | 3,165 |
| Tier 1 risk-based capital ratio | 12.2115% | 4,351 |
| Total risk-based capital ratio | 13.2297% | 4,363 |
| Memoranda: | ||
| Average total assets | $249,720,000 | 2,520 |
| Average earning assets | $231,334,500 | 2,515 |
| Average equity | $25,143,500 | 2,701 |
| Average total loans | $180,688,000 | 2,363 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0621% | 924 |
| Cost of funding earning assets | 1.0690% | 552 |
| Net interest margin | 3.9931% | 2,001 |
| Noninterest income to average assets | 0.4114% | 3,370 |
| Noninterest expense to average assets | 2.2497% | 4,226 |
| Loan and lease loss provision to assets | 0.4197% | 312 |
| Net operating income to assets | 1.0918% | 2,638 |
| Return on assets (ROA) | 1.0918% | 2,628 |
| Pretax return on assets | 1.4265% | 2,056 |
| Return on Equity (ROE) | 11.1079% | 2,041 |
| Retained earnings to average equity (ytd only) | 10.0488% | 609 |
| Net charge-offs to loans | 0.4372% | 419 |
| Credit loss provision to net charge-offs | 128.4076% | 2,054 |
| Earnings coverage of net charge-offs (x) | 5.6484% | 3,172 |
| Efficiency ratio | 54.9253% | 4,527 |
| Assets per employee ($millions) | 6.3132% | 1,309 |
| Cash dividends to net income (ytd only)* | 9.5347% | 3,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 2,214 |
| Loan loss allowance to noncurrent loans | 333.0935% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5755% | 2,318 |
| Noncurrent loans to loans | 0.3803% | 3,168 |
| Net loans and leases to total assets | 73.2785% | 2,046 |
| Net loans and leases to deposits | 84.3495% | 2,478 |
| Net loans and leases to core deposits | 96.5329% | 2,012 |
| Total domestic deposits to total assets | 86.8748% | 1,839 |
| Equity capital to assets | 10.1026% | 3,566 |
| Core capital (leverage) ratio | 10.4929% | 3,033 |
| Tier 1 risk-based capital ratio | 11.8700% | 4,517 |
| Total risk-based capital ratio | 12.9494% | 4,501 |
| Memoranda: | ||
| Average total assets | $240,160,400 | 2,549 |
| Average earning assets | $221,608,200 | 2,548 |
| Average equity | $23,604,800 | 2,767 |
| Average total loans | $179,564,800 | 2,340 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0075% | 935 |
| Cost of funding earning assets | 1.0178% | 551 |
| Net interest margin | 3.9898% | 1,987 |
| Noninterest income to average assets | 0.4134% | 3,402 |
| Noninterest expense to average assets | 2.2018% | 4,321 |
| Loan and lease loss provision to assets | 0.4229% | 298 |
| Net operating income to assets | 1.1213% | 2,569 |
| Return on assets (ROA) | 1.1213% | 2,582 |
| Pretax return on assets | 1.4660% | 2,014 |
| Return on Equity (ROE) | 11.4908% | 1,985 |
| Retained earnings to average equity (ytd only) | 10.0595% | 905 |
| Net charge-offs to loans | 0.5377% | 279 |
| Credit loss provision to net charge-offs | 104.9931% | 2,187 |
| Earnings coverage of net charge-offs (x) | 4.6893% | 3,031 |
| Efficiency ratio | 53.8241% | 4,623 |
| Assets per employee ($millions) | 6.2516% | 1,311 |
| Cash dividends to net income (ytd only)* | 12.4566% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 2,853 |
| Loan loss allowance to noncurrent loans | 167.0330% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.8402% | 1,764 |
| Noncurrent loans to loans | 0.6937% | 2,345 |
| Net loans and leases to total assets | 72.5960% | 2,232 |
| Net loans and leases to deposits | 83.0467% | 2,708 |
| Net loans and leases to core deposits | 93.5285% | 2,343 |
| Total domestic deposits to total assets | 87.4159% | 1,537 |
| Equity capital to assets | 9.6216% | 3,976 |
| Core capital (leverage) ratio | 10.3662% | 3,216 |
| Tier 1 risk-based capital ratio | 11.4783% | 4,799 |
| Total risk-based capital ratio | 12.4616% | 4,842 |
| Memoranda: | ||
| Average total assets | $238,647,000 | 2,569 |
| Average earning assets | $219,956,000 | 2,577 |
| Average equity | $23,287,500 | 2,801 |
| Average total loans | $178,771,750 | 2,357 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0239% | 781 |
| Cost of funding earning assets | 0.9752% | 527 |
| Net interest margin | 4.0487% | 1,700 |
| Noninterest income to average assets | 0.3705% | 3,681 |
| Noninterest expense to average assets | 2.2407% | 4,277 |
| Loan and lease loss provision to assets | 0.4071% | 295 |
| Net operating income to assets | 1.1071% | 2,554 |
| Return on assets (ROA) | 1.1071% | 2,562 |
| Pretax return on assets | 1.4495% | 1,990 |
| Return on Equity (ROE) | 11.2896% | 1,995 |
| Retained earnings to average equity (ytd only) | 9.1185% | 1,177 |
| Net charge-offs to loans | 0.3466% | 461 |
| Credit loss provision to net charge-offs | 155.7003% | 1,541 |
| Earnings coverage of net charge-offs (x) | 7.1010% | 2,575 |
| Efficiency ratio | 54.6872% | 4,616 |
| Assets per employee ($millions) | 5.8147% | 1,626 |
| Cash dividends to net income (ytd only)* | 19.2308% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 2,513 |
| Loan loss allowance to noncurrent loans | 211.1007% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.7966% | 1,882 |
| Noncurrent loans to loans | 0.5856% | 2,667 |
| Net loans and leases to total assets | 75.8382% | 1,662 |
| Net loans and leases to deposits | 88.2661% | 2,077 |
| Net loans and leases to core deposits | 100.2762% | 1,714 |
| Total domestic deposits to total assets | 85.9199% | 2,320 |
| Equity capital to assets | 9.8364% | 3,787 |
| Core capital (leverage) ratio | 10.2263% | 3,330 |
| Tier 1 risk-based capital ratio | 11.0872% | 5,008 |
| Total risk-based capital ratio | 12.1263% | 5,005 |
| Memoranda: | ||
| Average total assets | $234,842,000 | 2,600 |
| Average earning assets | $216,166,670 | 2,619 |
| Average equity | $23,030,000 | 2,843 |
| Average total loans | $177,141,330 | 2,377 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 728 |
| Cost of funding earning assets | 0.9330% | 508 |
| Net interest margin | 4.0475% | 1,570 |
| Noninterest income to average assets | 0.3021% | 4,138 |
| Noninterest expense to average assets | 2.1179% | 4,621 |
| Loan and lease loss provision to assets | 0.3433% | 358 |
| Net operating income to assets | 1.1945% | 2,027 |
| Return on assets (ROA) | 1.1945% | 2,042 |
| Pretax return on assets | 1.5635% | 1,487 |
| Return on Equity (ROE) | 12.1998% | 1,507 |
| Retained earnings to average equity (ytd only) | 7.8177% | 1,913 |
| Net charge-offs to loans | 0.2480% | 620 |
| Credit loss provision to net charge-offs | 185.1852% | 1,095 |
| Earnings coverage of net charge-offs (x) | 10.2870% | 1,908 |
| Efficiency ratio | 52.6226% | 4,920 |
| Assets per employee ($millions) | 6.2162% | 1,358 |
| Cash dividends to net income (ytd only)* | 35.9195% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 2,662 |
| Loan loss allowance to noncurrent loans | 362.7907% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 2,166 |
| Noncurrent loans to loans | 0.3374% | 3,550 |
| Net loans and leases to total assets | 74.6108% | 1,772 |
| Net loans and leases to deposits | 87.5523% | 1,991 |
| Net loans and leases to core deposits | 98.7090% | 1,791 |
| Total domestic deposits to total assets | 85.2186% | 2,852 |
| Equity capital to assets | 9.6920% | 3,896 |
| Core capital (leverage) ratio | 10.0202% | 3,509 |
| Tier 1 risk-based capital ratio | 10.9964% | 5,132 |
| Total risk-based capital ratio | 12.0170% | 5,151 |
| Memoranda: | ||
| Average total assets | $233,062,500 | 2,637 |
| Average earning assets | $214,356,000 | 2,654 |
| Average equity | $22,820,000 | 2,885 |
| Average total loans | $174,181,000 | 2,424 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7579% | 1,060 |
| Cost of funding earning assets | 0.7997% | 623 |
| Net interest margin | 3.9582% | 1,888 |
| Noninterest income to average assets | 0.3647% | 3,859 |
| Noninterest expense to average assets | 2.2934% | 4,348 |
| Loan and lease loss provision to assets | 0.2516% | 737 |
| Net operating income to assets | 0.8166% | 3,088 |
| Return on assets (ROA) | 0.8149% | 3,136 |
| Pretax return on assets | 1.4322% | 1,879 |
| Return on Equity (ROE) | 8.1223% | 2,742 |
| Retained earnings to average equity (ytd only) | 3.5948% | 3,114 |
| Net charge-offs to loans | 0.2229% | 1,163 |
| Credit loss provision to net charge-offs | 159.1954% | 1,678 |
| Earnings coverage of net charge-offs (x) | 10.6695% | 2,653 |
| Efficiency ratio | 57.6238% | 4,572 |
| Assets per employee ($millions) | 6.0503% | 1,483 |
| Cash dividends to net income (ytd only)* | 55.7414% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 2,594 |
| Loan loss allowance to noncurrent loans | 275.2632% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 1,789 |
| Noncurrent loans to loans | 0.4472% | 3,175 |
| Net loans and leases to total assets | 73.0042% | 2,095 |
| Net loans and leases to deposits | 85.9443% | 2,271 |
| Net loans and leases to core deposits | 98.1050% | 1,854 |
| Total domestic deposits to total assets | 84.9437% | 2,859 |
| Equity capital to assets | 9.8934% | 3,824 |
| Core capital (leverage) ratio | 10.1234% | 3,280 |
| Tier 1 risk-based capital ratio | 11.3711% | 4,939 |
| Total risk-based capital ratio | 12.4016% | 4,943 |
| Memoranda: | ||
| Average total assets | $220,157,800 | 2,726 |
| Average earning assets | $201,076,400 | 2,759 |
| Average equity | $22,087,400 | 2,948 |
| Average total loans | $156,132,800 | 2,590 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 1,096 |
| Cost of funding earning assets | 0.7871% | 622 |
| Net interest margin | 3.9310% | 1,928 |
| Noninterest income to average assets | 0.4219% | 3,543 |
| Noninterest expense to average assets | 2.2579% | 4,399 |
| Loan and lease loss provision to assets | 0.3368% | 445 |
| Net operating income to assets | 0.9529% | 2,764 |
| Return on assets (ROA) | 0.9529% | 2,828 |
| Pretax return on assets | 1.4116% | 2,086 |
| Return on Equity (ROE) | 9.4633% | 2,369 |
| Retained earnings to average equity (ytd only) | 4.5978% | 3,144 |
| Net charge-offs to loans | 0.3118% | 673 |
| Credit loss provision to net charge-offs | 154.0616% | 1,657 |
| Earnings coverage of net charge-offs (x) | 7.9972% | 2,824 |
| Efficiency ratio | 56.3589% | 4,691 |
| Assets per employee ($millions) | 5.7398% | 1,694 |
| Cash dividends to net income (ytd only)* | 51.4140% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 2,607 |
| Loan loss allowance to noncurrent loans | 342.5041% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 1.1114% | 1,492 |
| Noncurrent loans to loans | 0.3667% | 3,638 |
| Net loans and leases to total assets | 73.0094% | 2,097 |
| Net loans and leases to deposits | 86.4725% | 2,243 |
| Net loans and leases to core deposits | 97.1826% | 1,959 |
| Total domestic deposits to total assets | 84.4308% | 2,950 |
| Equity capital to assets | 10.2483% | 3,642 |
| Core capital (leverage) ratio | 10.4436% | 3,046 |
| Tier 1 risk-based capital ratio | 11.9123% | 4,691 |
| Total risk-based capital ratio | 12.9869% | 4,688 |
| Memoranda: | ||
| Average total assets | $217,719,750 | 2,773 |
| Average earning assets | $198,521,250 | 2,807 |
| Average equity | $21,922,750 | 2,984 |
| Average total loans | $152,682,000 | 2,640 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6236% | 1,208 |
| Cost of funding earning assets | 0.7845% | 567 |
| Net interest margin | 3.8391% | 2,137 |
| Noninterest income to average assets | 0.4618% | 3,275 |
| Noninterest expense to average assets | 2.2923% | 4,367 |
| Loan and lease loss provision to assets | 0.3923% | 347 |
| Net operating income to assets | 0.8726% | 3,060 |
| Return on assets (ROA) | 0.8726% | 3,110 |
| Pretax return on assets | 1.2806% | 2,460 |
| Return on Equity (ROE) | 8.7197% | 2,652 |
| Retained earnings to average equity (ytd only) | 3.1598% | 3,828 |
| Net charge-offs to loans | 0.4596% | 434 |
| Credit loss provision to net charge-offs | 124.0469% | 1,744 |
| Earnings coverage of net charge-offs (x) | 5.2903% | 2,836 |
| Efficiency ratio | 57.8110% | 4,620 |
| Assets per employee ($millions) | 5.3540% | 2,007 |
| Cash dividends to net income (ytd only)* | 63.7620% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 2,573 |
| Loan loss allowance to noncurrent loans | 379.1908% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 1.1557% | 1,490 |
| Noncurrent loans to loans | 0.3348% | 3,844 |
| Net loans and leases to total assets | 69.7179% | 2,566 |
| Net loans and leases to deposits | 80.4350% | 2,862 |
| Net loans and leases to core deposits | 90.7696% | 2,455 |
| Total domestic deposits to total assets | 86.6761% | 2,099 |
| Equity capital to assets | 10.2703% | 3,606 |
| Core capital (leverage) ratio | 10.1226% | 3,375 |
| Tier 1 risk-based capital ratio | 12.0054% | 4,627 |
| Total risk-based capital ratio | 13.0499% | 4,652 |
| Memoranda: | ||
| Average total assets | $215,675,670 | 2,803 |
| Average earning assets | $196,815,670 | 2,842 |
| Average equity | $21,583,330 | 3,022 |
| Average total loans | $148,405,330 | 2,695 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5685% | 1,214 |
| Cost of funding earning assets | 0.7754% | 565 |
| Net interest margin | 3.7931% | 2,141 |
| Noninterest income to average assets | 0.4922% | 3,032 |
| Noninterest expense to average assets | 2.1913% | 4,668 |
| Loan and lease loss provision to assets | 0.3668% | 313 |
| Net operating income to assets | 0.9544% | 2,504 |
| Return on assets (ROA) | 0.9544% | 2,563 |
| Pretax return on assets | 1.4035% | 1,883 |
| Return on Equity (ROE) | 9.6671% | 2,113 |
| Retained earnings to average equity (ytd only) | 3.0328% | 3,897 |
| Net charge-offs to loans | 0.3694% | 502 |
| Credit loss provision to net charge-offs | 146.2687% | 1,234 |
| Earnings coverage of net charge-offs (x) | 7.0597% | 2,168 |
| Efficiency ratio | 55.3141% | 5,010 |
| Assets per employee ($millions) | 5.3095% | 2,064 |
| Cash dividends to net income (ytd only)* | 68.6275% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 2,366 |
| Loan loss allowance to noncurrent loans | 274.3662% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 1.3933% | 1,202 |
| Noncurrent loans to loans | 0.4863% | 3,346 |
| Net loans and leases to total assets | 66.1705% | 2,946 |
| Net loans and leases to deposits | 75.9672% | 3,198 |
| Net loans and leases to core deposits | 85.9745% | 2,714 |
| Total domestic deposits to total assets | 87.1041% | 2,158 |
| Equity capital to assets | 9.7731% | 3,999 |
| Core capital (leverage) ratio | 10.0399% | 3,443 |
| Tier 1 risk-based capital ratio | 12.0615% | 4,672 |
| Total risk-based capital ratio | 13.1569% | 4,677 |
| Memoranda: | ||
| Average total assets | $213,755,500 | 2,841 |
| Average earning assets | $195,512,500 | 2,872 |
| Average equity | $21,102,500 | 3,076 |
| Average total loans | $145,103,000 | 2,754 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 1,191 |
| Cost of funding earning assets | 0.8314% | 426 |
| Net interest margin | 3.8075% | 2,297 |
| Noninterest income to average assets | 0.4151% | 3,775 |
| Noninterest expense to average assets | 2.3312% | 4,483 |
| Loan and lease loss provision to assets | 0.1881% | 1,251 |
| Net operating income to assets | 0.9317% | 2,670 |
| Return on assets (ROA) | 0.9506% | 2,689 |
| Pretax return on assets | 1.3979% | 1,949 |
| Return on Equity (ROE) | 9.4684% | 2,202 |
| Retained earnings to average equity (ytd only) | 4.0913% | 3,003 |
| Net charge-offs to loans | 0.2746% | 1,004 |
| Credit loss provision to net charge-offs | 99.7455% | 2,615 |
| Earnings coverage of net charge-offs (x) | 8.2621% | 2,894 |
| Efficiency ratio | 59.9383% | 4,592 |
| Assets per employee ($millions) | 5.3801% | 1,971 |
| Cash dividends to net income (ytd only)* | 56.7895% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 2,501 |
| Loan loss allowance to noncurrent loans | 141.3793% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 1.4274% | 1,190 |
| Noncurrent loans to loans | 0.9250% | 2,246 |
| Net loans and leases to total assets | 67.8318% | 2,799 |
| Net loans and leases to deposits | 77.9736% | 3,109 |
| Net loans and leases to core deposits | 89.2505% | 2,572 |
| Total domestic deposits to total assets | 86.9933% | 2,149 |
| Equity capital to assets | 9.9751% | 3,751 |
| Core capital (leverage) ratio | 9.9885% | 3,492 |
| Tier 1 risk-based capital ratio | 12.1009% | 4,659 |
| Total risk-based capital ratio | 13.1728% | 4,662 |
| Memoranda: | ||
| Average total assets | $208,386,200 | 2,870 |
| Average earning assets | $190,150,600 | 2,892 |
| Average equity | $20,922,200 | 3,073 |
| Average total loans | $143,142,600 | 2,739 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6405% | 1,208 |
| Cost of funding earning assets | 0.8396% | 404 |
| Net interest margin | 3.8009% | 2,326 |
| Noninterest income to average assets | 0.4038% | 3,897 |
| Noninterest expense to average assets | 2.2952% | 4,543 |
| Loan and lease loss provision to assets | 0.1622% | 1,427 |
| Net operating income to assets | 0.9729% | 2,557 |
| Return on assets (ROA) | 0.9986% | 2,579 |
| Pretax return on assets | 1.4478% | 1,883 |
| Return on Equity (ROE) | 9.9295% | 2,080 |
| Retained earnings to average equity (ytd only) | 4.8309% | 2,937 |
| Net charge-offs to loans | 0.2604% | 898 |
| Credit loss provision to net charge-offs | 90.6810% | 2,519 |
| Earnings coverage of net charge-offs (x) | 8.7957% | 2,732 |
| Efficiency ratio | 59.3372% | 4,640 |
| Assets per employee ($millions) | 5.4270% | 1,930 |
| Cash dividends to net income (ytd only)* | 51.3479% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 2,657 |
| Loan loss allowance to noncurrent loans | 232.0449% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 1.2502% | 1,571 |
| Noncurrent loans to loans | 0.5627% | 3,313 |
| Net loans and leases to total assets | 66.4621% | 3,046 |
| Net loans and leases to deposits | 76.5771% | 3,344 |
| Net loans and leases to core deposits | 88.1611% | 2,743 |
| Total domestic deposits to total assets | 86.7911% | 1,991 |
| Equity capital to assets | 10.0858% | 4,051 |
| Core capital (leverage) ratio | 9.9555% | 3,626 |
| Tier 1 risk-based capital ratio | 12.1463% | 4,702 |
| Total risk-based capital ratio | 13.2124% | 4,710 |
| Memoranda: | ||
| Average total assets | $208,027,250 | 2,889 |
| Average earning assets | $189,600,750 | 2,913 |
| Average equity | $20,920,250 | 3,100 |
| Average total loans | $142,875,250 | 2,739 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6250% | 1,221 |
| Cost of funding earning assets | 0.8477% | 384 |
| Net interest margin | 3.7773% | 2,415 |
| Noninterest income to average assets | 0.4555% | 3,485 |
| Noninterest expense to average assets | 2.3576% | 4,458 |
| Loan and lease loss provision to assets | 0.2437% | 807 |
| Net operating income to assets | 0.9017% | 2,855 |
| Return on assets (ROA) | 0.9409% | 2,814 |
| Pretax return on assets | 1.3490% | 2,209 |
| Return on Equity (ROE) | 9.3657% | 2,328 |
| Retained earnings to average equity (ytd only) | 4.5529% | 3,017 |
| Net charge-offs to loans | 0.1972% | 1,161 |
| Credit loss provision to net charge-offs | 178.7234% | 1,410 |
| Earnings coverage of net charge-offs (x) | 11.2695% | 2,273 |
| Efficiency ratio | 60.5413% | 4,571 |
| Assets per employee ($millions) | 5.7142% | 1,610 |
| Cash dividends to net income (ytd only)* | 51.3875% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 2,271 |
| Loan loss allowance to noncurrent loans | 100.1002% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.7335% | 1,021 |
| Noncurrent loans to loans | 1.4046% | 1,590 |
| Net loans and leases to total assets | 66.2697% | 3,044 |
| Net loans and leases to deposits | 76.2508% | 3,353 |
| Net loans and leases to core deposits | 87.7283% | 2,752 |
| Total domestic deposits to total assets | 86.9102% | 1,953 |
| Equity capital to assets | 9.9639% | 4,274 |
| Core capital (leverage) ratio | 9.8643% | 3,731 |
| Tier 1 risk-based capital ratio | 11.9381% | 4,868 |
| Total risk-based capital ratio | 13.0791% | 4,832 |
| Memoranda: | ||
| Average total assets | $206,818,670 | 2,913 |
| Average earning assets | $188,283,000 | 2,950 |
| Average equity | $20,778,000 | 3,120 |
| Average total loans | $142,990,330 | 2,738 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7085% | 1,033 |
| Cost of funding earning assets | 0.8543% | 381 |
| Net interest margin | 3.8541% | 2,084 |
| Noninterest income to average assets | 0.3853% | 3,947 |
| Noninterest expense to average assets | 2.4155% | 4,320 |
| Loan and lease loss provision to assets | 0.2367% | 765 |
| Net operating income to assets | 0.8259% | 3,122 |
| Return on assets (ROA) | 0.8547% | 3,096 |
| Pretax return on assets | 1.2791% | 2,389 |
| Return on Equity (ROE) | 8.4715% | 2,672 |
| Retained earnings to average equity (ytd only) | 3.6251% | 3,680 |
| Net charge-offs to loans | 0.1199% | 1,390 |
| Credit loss provision to net charge-offs | 281.3953% | 886 |
| Earnings coverage of net charge-offs (x) | 17.5116% | 1,572 |
| Efficiency ratio | 62.1227% | 4,428 |
| Assets per employee ($millions) | 5.3380% | 1,995 |
| Cash dividends to net income (ytd only)* | 57.2082% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 2,551 |
| Loan loss allowance to noncurrent loans | 133.6735% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 1.5193% | 1,334 |
| Noncurrent loans to loans | 1.0264% | 2,333 |
| Net loans and leases to total assets | 67.8514% | 2,669 |
| Net loans and leases to deposits | 78.1771% | 2,991 |
| Net loans and leases to core deposits | 89.5629% | 2,411 |
| Total domestic deposits to total assets | 86.7919% | 2,301 |
| Equity capital to assets | 9.9792% | 4,102 |
| Core capital (leverage) ratio | 9.9736% | 3,566 |
| Tier 1 risk-based capital ratio | 11.7507% | 5,080 |
| Total risk-based capital ratio | 12.8705% | 5,065 |
| Memoranda: | ||
| Average total assets | $204,516,000 | 2,938 |
| Average earning assets | $185,878,000 | 2,987 |
| Average equity | $20,634,000 | 3,136 |
| Average total loans | $143,431,500 | 2,732 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9609% | 680 |
| Cost of funding earning assets | 0.8408% | 395 |
| Net interest margin | 4.1201% | 1,361 |
| Noninterest income to average assets | 0.1964% | 5,410 |
| Noninterest expense to average assets | 2.3830% | 4,554 |
| Loan and lease loss provision to assets | 0.0677% | 2,942 |
| Net operating income to assets | 0.9668% | 2,541 |
| Return on assets (ROA) | 0.9651% | 2,622 |
| Pretax return on assets | 1.4271% | 1,798 |
| Return on Equity (ROE) | 9.4060% | 2,269 |
| Retained earnings to average equity (ytd only) | 5.4077% | 2,138 |
| Net charge-offs to loans | 0.6522% | 366 |
| Credit loss provision to net charge-offs | 14.2395% | 3,793 |
| Earnings coverage of net charge-offs (x) | 3.1499% | 3,766 |
| Efficiency ratio | 61.4114% | 4,702 |
| Assets per employee ($millions) | 5.2855% | 2,019 |
| Cash dividends to net income (ytd only)* | 42.5080% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3130% | 2,823 |
| Loan loss allowance to noncurrent loans | 123.7533% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.8277% | 1,033 |
| Noncurrent loans to loans | 1.0610% | 2,214 |
| Net loans and leases to total assets | 70.5789% | 2,282 |
| Net loans and leases to deposits | 81.3900% | 2,664 |
| Net loans and leases to core deposits | 92.9694% | 2,135 |
| Total domestic deposits to total assets | 86.7169% | 2,266 |
| Equity capital to assets | 10.2032% | 3,747 |
| Core capital (leverage) ratio | 10.0804% | 3,401 |
| Tier 1 risk-based capital ratio | 11.6581% | 5,157 |
| Total risk-based capital ratio | 12.7336% | 5,169 |
| Memoranda: | ||
| Average total assets | $195,007,200 | 2,996 |
| Average earning assets | $174,363,800 | 3,062 |
| Average equity | $20,008,400 | 3,166 |
| Average total loans | $142,130,600 | 2,699 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0149% | 598 |
| Cost of funding earning assets | 0.8322% | 419 |
| Net interest margin | 4.1827% | 1,206 |
| Noninterest income to average assets | 0.1839% | 5,557 |
| Noninterest expense to average assets | 2.4214% | 4,453 |
| Loan and lease loss provision to assets | 0.0544% | 3,106 |
| Net operating income to assets | 0.9895% | 2,515 |
| Return on assets (ROA) | 0.9872% | 2,614 |
| Pretax return on assets | 1.4301% | 1,905 |
| Return on Equity (ROE) | 9.6073% | 2,262 |
| Retained earnings to average equity (ytd only) | 5.5847% | 2,532 |
| Net charge-offs to loans | 0.5700% | 400 |
| Credit loss provision to net charge-offs | 13.0363% | 3,424 |
| Earnings coverage of net charge-offs (x) | 3.5644% | 3,485 |
| Efficiency ratio | 61.9383% | 4,580 |
| Assets per employee ($millions) | 5.2952% | 1,957 |
| Cash dividends to net income (ytd only)* | 41.8702% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 2,200 |
| Loan loss allowance to noncurrent loans | 138.9426% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 2.0068% | 1,020 |
| Noncurrent loans to loans | 1.0727% | 2,336 |
| Net loans and leases to total assets | 70.7866% | 2,265 |
| Net loans and leases to deposits | 81.6344% | 2,692 |
| Net loans and leases to core deposits | 93.1989% | 2,156 |
| Total domestic deposits to total assets | 86.7118% | 2,184 |
| Equity capital to assets | 10.0723% | 4,077 |
| Core capital (leverage) ratio | 10.2128% | 3,360 |
| Tier 1 risk-based capital ratio | 11.4491% | 5,404 |
| Total risk-based capital ratio | 13.8938% | 4,560 |
| Memoranda: | ||
| Average total assets | $193,546,750 | 3,035 |
| Average earning assets | $172,390,000 | 3,109 |
| Average equity | $19,887,250 | 3,212 |
| Average total loans | $141,752,500 | 2,720 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0501% | 555 |
| Cost of funding earning assets | 0.8283% | 434 |
| Net interest margin | 4.2218% | 1,066 |
| Noninterest income to average assets | 0.1979% | 5,499 |
| Noninterest expense to average assets | 2.4064% | 4,524 |
| Loan and lease loss provision to assets | 0.0806% | 2,498 |
| Net operating income to assets | 1.0320% | 2,216 |
| Return on assets (ROA) | 1.0283% | 2,359 |
| Pretax return on assets | 1.4472% | 1,809 |
| Return on Equity (ROE) | 9.9389% | 2,100 |
| Retained earnings to average equity (ytd only) | 5.8905% | 2,308 |
| Net charge-offs to loans | 0.7429% | 304 |
| Credit loss provision to net charge-offs | 14.7228% | 3,070 |
| Earnings coverage of net charge-offs (x) | 2.7992% | 3,284 |
| Efficiency ratio | 61.0845% | 4,818 |
| Assets per employee ($millions) | 5.0644% | 2,188 |
| Cash dividends to net income (ytd only)* | 40.7332% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5775% | 1,978 |
| Loan loss allowance to noncurrent loans | 214.5873% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 1.7558% | 1,335 |
| Noncurrent loans to loans | 0.7351% | 3,272 |
| Net loans and leases to total assets | 72.4910% | 1,900 |
| Net loans and leases to deposits | 84.0236% | 2,310 |
| Net loans and leases to core deposits | 93.0294% | 2,063 |
| Total domestic deposits to total assets | 86.2746% | 2,543 |
| Equity capital to assets | 10.3977% | 3,563 |
| Core capital (leverage) ratio | 10.2818% | 3,237 |
| Tier 1 risk-based capital ratio | 11.4856% | 5,472 |
| Total risk-based capital ratio | 12.7360% | 5,392 |
| Memoranda: | ||
| Average total assets | $190,990,330 | 3,089 |
| Average earning assets | $169,262,330 | 3,173 |
| Average equity | $19,760,670 | 3,239 |
| Average total loans | $140,807,000 | 2,741 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1635% | 430 |
| Cost of funding earning assets | 0.8189% | 450 |
| Net interest margin | 4.3446% | 805 |
| Noninterest income to average assets | 0.1009% | 6,078 |
| Noninterest expense to average assets | 2.4703% | 4,367 |
| Loan and lease loss provision to assets | 0.1577% | 1,290 |
| Net operating income to assets | 1.0049% | 2,243 |
| Return on assets (ROA) | 1.0049% | 2,382 |
| Pretax return on assets | 1.3098% | 2,243 |
| Return on Equity (ROE) | 9.7372% | 2,118 |
| Retained earnings to average equity (ytd only) | 5.6631% | 2,674 |
| Net charge-offs to loans | 0.4446% | 559 |
| Credit loss provision to net charge-offs | 48.0769% | 2,121 |
| Earnings coverage of net charge-offs (x) | 4.4744% | 2,491 |
| Efficiency ratio | 62.7336% | 4,665 |
| Assets per employee ($millions) | 5.0064% | 2,350 |
| Cash dividends to net income (ytd only)* | 41.8410% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8589% | 1,376 |
| Loan loss allowance to noncurrent loans | 263.7931% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 1.8324% | 1,335 |
| Noncurrent loans to loans | 0.7047% | 3,514 |
| Net loans and leases to total assets | 72.1831% | 1,776 |
| Net loans and leases to deposits | 83.7500% | 2,115 |
| Net loans and leases to core deposits | 92.8436% | 1,870 |
| Total domestic deposits to total assets | 86.1888% | 2,834 |
| Equity capital to assets | 10.4093% | 3,636 |
| Core capital (leverage) ratio | 10.2063% | 3,333 |
| Tier 1 risk-based capital ratio | 11.4497% | 5,585 |
| Total risk-based capital ratio | 12.7031% | 5,495 |
| Memoranda: | ||
| Average total assets | $190,262,500 | 3,119 |
| Average earning assets | $168,026,500 | 3,210 |
| Average equity | $19,636,000 | 3,270 |
| Average total loans | $140,339,500 | 2,754 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0564% | 699 |
| Cost of funding earning assets | 0.8478% | 516 |
| Net interest margin | 4.2086% | 1,276 |
| Noninterest income to average assets | 0.1732% | 5,817 |
| Noninterest expense to average assets | 2.3337% | 5,013 |
| Loan and lease loss provision to assets | 0.4318% | 392 |
| Net operating income to assets | 0.7372% | 3,696 |
| Return on assets (ROA) | 0.7531% | 3,715 |
| Pretax return on assets | 1.1269% | 2,981 |
| Return on Equity (ROE) | 7.3825% | 3,422 |
| Retained earnings to average equity (ytd only) | 3.0445% | 4,073 |
| Net charge-offs to loans | 0.5011% | 817 |
| Credit loss provision to net charge-offs | 121.0526% | 1,980 |
| Earnings coverage of net charge-offs (x) | 4.3038% | 3,688 |
| Efficiency ratio | 60.3216% | 5,174 |
| Assets per employee ($millions) | 5.0074% | 2,311 |
| Cash dividends to net income (ytd only)* | 58.7607% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9055% | 1,302 |
| Loan loss allowance to noncurrent loans | 228.2553% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 2.1379% | 1,148 |
| Noncurrent loans to loans | 0.8348% | 3,226 |
| Net loans and leases to total assets | 72.5622% | 1,818 |
| Net loans and leases to deposits | 83.8166% | 2,235 |
| Net loans and leases to core deposits | 93.7015% | 1,941 |
| Total domestic deposits to total assets | 86.5725% | 2,528 |
| Equity capital to assets | 10.2317% | 3,822 |
| Core capital (leverage) ratio | 10.1320% | 3,391 |
| Tier 1 risk-based capital ratio | 13.1833% | 4,598 |
| Total risk-based capital ratio | 14.4402% | 4,523 |
| Memoranda: | ||
| Average total assets | $186,440,800 | 3,141 |
| Average earning assets | $163,713,800 | 3,231 |
| Average equity | $19,018,000 | 3,287 |
| Average total loans | $132,701,400 | 2,812 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0218% | 743 |
| Cost of funding earning assets | 0.8505% | 542 |
| Net interest margin | 4.1713% | 1,374 |
| Noninterest income to average assets | 0.3609% | 4,547 |
| Noninterest expense to average assets | 2.3031% | 5,093 |
| Loan and lease loss provision to assets | 0.5765% | 238 |
| Net operating income to assets | 0.7679% | 3,578 |
| Return on assets (ROA) | 0.7857% | 3,595 |
| Pretax return on assets | 1.1674% | 2,918 |
| Return on Equity (ROE) | 7.7084% | 3,362 |
| Retained earnings to average equity (ytd only) | 3.4769% | 4,160 |
| Net charge-offs to loans | 0.6274% | 574 |
| Credit loss provision to net charge-offs | 130.4065% | 1,773 |
| Earnings coverage of net charge-offs (x) | 3.8845% | 3,577 |
| Efficiency ratio | 57.2859% | 5,537 |
| Assets per employee ($millions) | 4.9515% | 2,295 |
| Cash dividends to net income (ytd only)* | 54.8947% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0065% | 1,248 |
| Loan loss allowance to noncurrent loans | 177.5537% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 2.7089% | 925 |
| Noncurrent loans to loans | 1.1301% | 2,800 |
| Net loans and leases to total assets | 70.8330% | 2,048 |
| Net loans and leases to deposits | 81.9572% | 2,429 |
| Net loans and leases to core deposits | 91.5717% | 2,069 |
| Total domestic deposits to total assets | 86.4268% | 2,627 |
| Equity capital to assets | 10.2526% | 3,860 |
| Core capital (leverage) ratio | 10.1410% | 3,483 |
| Tier 1 risk-based capital ratio | 13.6005% | 4,474 |
| Total risk-based capital ratio | 14.8586% | 4,416 |
| Memoranda: | ||
| Average total assets | $185,480,750 | 3,184 |
| Average earning assets | $162,726,500 | 3,275 |
| Average equity | $18,905,250 | 3,318 |
| Average total loans | $130,688,250 | 2,864 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9975% | 758 |
| Cost of funding earning assets | 0.8492% | 560 |
| Net interest margin | 4.1483% | 1,389 |
| Noninterest income to average assets | 0.3619% | 4,528 |
| Noninterest expense to average assets | 2.2612% | 5,248 |
| Loan and lease loss provision to assets | 0.6306% | 226 |
| Net operating income to assets | 0.7424% | 3,612 |
| Return on assets (ROA) | 0.7693% | 3,569 |
| Pretax return on assets | 1.1409% | 2,925 |
| Return on Equity (ROE) | 7.5626% | 3,340 |
| Retained earnings to average equity (ytd only) | 3.3020% | 4,102 |
| Net charge-offs to loans | 0.5321% | 769 |
| Credit loss provision to net charge-offs | 169.6793% | 1,335 |
| Earnings coverage of net charge-offs (x) | 4.6589% | 3,068 |
| Efficiency ratio | 56.6350% | 5,687 |
| Assets per employee ($millions) | 5.1212% | 2,062 |
| Cash dividends to net income (ytd only)* | 56.3380% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0588% | 1,259 |
| Loan loss allowance to noncurrent loans | 158.7329% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 3.1335% | 806 |
| Noncurrent loans to loans | 1.2970% | 2,640 |
| Net loans and leases to total assets | 71.7604% | 1,787 |
| Net loans and leases to deposits | 83.1379% | 2,127 |
| Net loans and leases to core deposits | 92.6477% | 1,890 |
| Total domestic deposits to total assets | 86.3150% | 2,868 |
| Equity capital to assets | 10.3557% | 3,612 |
| Core capital (leverage) ratio | 10.2383% | 3,281 |
| Tier 1 risk-based capital ratio | 13.2743% | 4,740 |
| Total risk-based capital ratio | 14.5327% | 4,672 |
| Memoranda: | ||
| Average total assets | $184,588,330 | 3,210 |
| Average earning assets | $161,561,000 | 3,300 |
| Average equity | $18,776,670 | 3,315 |
| Average total loans | $128,915,330 | 2,886 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9715% | 758 |
| Cost of funding earning assets | 0.8591% | 562 |
| Net interest margin | 4.1124% | 1,428 |
| Noninterest income to average assets | 0.2057% | 5,710 |
| Noninterest expense to average assets | 2.3281% | 5,130 |
| Loan and lease loss provision to assets | 0.4808% | 318 |
| Net operating income to assets | 0.6848% | 3,757 |
| Return on assets (ROA) | 0.7147% | 3,691 |
| Pretax return on assets | 1.0373% | 3,179 |
| Return on Equity (ROE) | 7.0895% | 3,419 |
| Retained earnings to average equity (ytd only) | 2.7928% | 4,416 |
| Net charge-offs to loans | 0.1971% | 1,552 |
| Credit loss provision to net charge-offs | 358.0645% | 701 |
| Earnings coverage of net charge-offs (x) | 10.9839% | 1,814 |
| Efficiency ratio | 61.2187% | 5,242 |
| Assets per employee ($millions) | 4.9324% | 2,334 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0961% | 1,333 |
| Loan loss allowance to noncurrent loans | 230.5461% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 2.8474% | 1,029 |
| Noncurrent loans to loans | 0.9092% | 3,609 |
| Net loans and leases to total assets | 67.3320% | 2,332 |
| Net loans and leases to deposits | 77.6961% | 2,606 |
| Net loans and leases to core deposits | 86.2276% | 2,300 |
| Total domestic deposits to total assets | 86.6607% | 3,008 |
| Equity capital to assets | 9.9994% | 3,843 |
| Core capital (leverage) ratio | 10.1262% | 3,394 |
| Tier 1 risk-based capital ratio | 13.6695% | 4,561 |
| Total risk-based capital ratio | 14.9285% | 4,511 |
| Memoranda: | ||
| Average total assets | $184,701,500 | 3,237 |
| Average earning assets | $161,560,000 | 3,329 |
| Average equity | $18,619,000 | 3,336 |
| Average total loans | $125,833,000 | 2,952 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0603% | 815 |
| Cost of funding earning assets | 1.0466% | 361 |
| Net interest margin | 4.0137% | 1,914 |
| Noninterest income to average assets | 0.3963% | 4,478 |
| Noninterest expense to average assets | 2.2795% | 5,429 |
| Loan and lease loss provision to assets | 0.8047% | 266 |
| Net operating income to assets | 0.5930% | 4,298 |
| Return on assets (ROA) | 0.6828% | 3,979 |
| Pretax return on assets | 0.9209% | 3,676 |
| Return on Equity (ROE) | 6.3980% | 3,873 |
| Retained earnings to average equity (ytd only) | 3.1640% | 3,985 |
| Net charge-offs to loans | 0.9169% | 664 |
| Credit loss provision to net charge-offs | 131.3615% | 1,795 |
| Earnings coverage of net charge-offs (x) | 2.6188% | 4,124 |
| Efficiency ratio | 58.6937% | 5,649 |
| Assets per employee ($millions) | 4.7887% | 2,461 |
| Cash dividends to net income (ytd only)* | 50.5476% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0707% | 1,394 |
| Loan loss allowance to noncurrent loans | 150.0590% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 3.3939% | 883 |
| Noncurrent loans to loans | 1.3799% | 2,830 |
| Net loans and leases to total assets | 66.0657% | 2,683 |
| Net loans and leases to deposits | 76.2983% | 2,933 |
| Net loans and leases to core deposits | 83.8063% | 2,698 |
| Total domestic deposits to total assets | 86.5886% | 2,945 |
| Equity capital to assets | 10.1642% | 3,551 |
| Core capital (leverage) ratio | 10.2325% | 3,246 |
| Tier 1 risk-based capital ratio | 14.0854% | 4,239 |
| Total risk-based capital ratio | 15.3437% | 4,175 |
| Memoranda: | ||
| Average total assets | $173,851,200 | 3,347 |
| Average earning assets | $151,056,800 | 3,481 |
| Average equity | $18,552,600 | 3,335 |
| Average total loans | $116,158,200 | 3,125 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0588% | 837 |
| Cost of funding earning assets | 1.0904% | 328 |
| Net interest margin | 3.9685% | 2,049 |
| Noninterest income to average assets | 0.6076% | 3,100 |
| Noninterest expense to average assets | 2.2705% | 5,434 |
| Loan and lease loss provision to assets | 0.9560% | 175 |
| Net operating income to assets | 0.6113% | 4,303 |
| Return on assets (ROA) | 0.7341% | 3,809 |
| Pretax return on assets | 0.9847% | 3,564 |
| Return on Equity (ROE) | 6.7933% | 3,764 |
| Retained earnings to average equity (ytd only) | 3.7414% | 4,027 |
| Net charge-offs to loans | 1.2482% | 429 |
| Credit loss provision to net charge-offs | 114.9254% | 2,047 |
| Earnings coverage of net charge-offs (x) | 2.1362% | 4,127 |
| Efficiency ratio | 56.0966% | 5,888 |
| Assets per employee ($millions) | 4.8559% | 2,359 |
| Cash dividends to net income (ytd only)* | 44.9259% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0244% | 1,666 |
| Loan loss allowance to noncurrent loans | 185.0000% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 3.5187% | 967 |
| Noncurrent loans to loans | 1.0943% | 3,603 |
| Net loans and leases to total assets | 63.7877% | 3,028 |
| Net loans and leases to deposits | 73.8550% | 3,252 |
| Net loans and leases to core deposits | 81.0160% | 3,000 |
| Total domestic deposits to total assets | 86.3687% | 3,043 |
| Equity capital to assets | 10.2656% | 3,553 |
| Core capital (leverage) ratio | 10.7128% | 2,775 |
| Tier 1 risk-based capital ratio | 14.5684% | 4,034 |
| Total risk-based capital ratio | 15.8254% | 3,983 |
| Memoranda: | ||
| Average total assets | $171,821,000 | 3,413 |
| Average earning assets | $148,937,500 | 3,553 |
| Average equity | $18,566,750 | 3,370 |
| Average total loans | $114,507,000 | 3,174 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1172% | 747 |
| Cost of funding earning assets | 1.1469% | 265 |
| Net interest margin | 3.9704% | 1,962 |
| Noninterest income to average assets | 0.6265% | 3,039 |
| Noninterest expense to average assets | 2.2422% | 5,519 |
| Loan and lease loss provision to assets | 1.1394% | 146 |
| Net operating income to assets | 0.5358% | 4,634 |
| Return on assets (ROA) | 0.7328% | 3,813 |
| Pretax return on assets | 0.9314% | 3,776 |
| Return on Equity (ROE) | 6.6639% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.6639% | 2,061 |
| Net charge-offs to loans | 1.5288% | 342 |
| Credit loss provision to net charge-offs | 110.9321% | 2,001 |
| Earnings coverage of net charge-offs (x) | 1.7733% | 3,937 |
| Efficiency ratio | 55.1774% | 6,051 |
| Assets per employee ($millions) | 4.9886% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0169% | 1,813 |
| Loan loss allowance to noncurrent loans | 147.0325% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 3.8470% | 934 |
| Noncurrent loans to loans | 1.3717% | 3,258 |
| Net loans and leases to total assets | 65.9920% | 2,597 |
| Net loans and leases to deposits | 77.0710% | 2,714 |
| Net loans and leases to core deposits | 86.1863% | 2,317 |
| Total domestic deposits to total assets | 85.6249% | 3,565 |
| Equity capital to assets | 10.8600% | 2,884 |
| Core capital (leverage) ratio | 10.9062% | 2,448 |
| Tier 1 risk-based capital ratio | 15.0605% | 3,745 |
| Total risk-based capital ratio | 16.3178% | 3,704 |
| Memoranda: | ||
| Average total assets | $169,205,330 | 3,475 |
| Average earning assets | $146,485,670 | 3,621 |
| Average equity | $18,607,670 | 3,383 |
| Average total loans | $113,684,670 | 3,200 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0963% | 746 |
| Cost of funding earning assets | 1.2062% | 224 |
| Net interest margin | 3.8901% | 2,151 |
| Noninterest income to average assets | 0.6083% | 3,091 |
| Noninterest expense to average assets | 2.3100% | 5,396 |
| Loan and lease loss provision to assets | 0.8615% | 239 |
| Net operating income to assets | 0.5964% | 4,236 |
| Return on assets (ROA) | 0.5964% | 4,384 |
| Pretax return on assets | 0.8260% | 4,060 |
| Return on Equity (ROE) | 5.3899% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.3899% | 3,012 |
| Net charge-offs to loans | 0.3033% | 1,752 |
| Credit loss provision to net charge-offs | 423.2558% | 613 |
| Earnings coverage of net charge-offs (x) | 8.2907% | 1,959 |
| Efficiency ratio | 57.7857% | 5,875 |
| Assets per employee ($millions) | 5.0396% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1772% | 1,631 |
| Loan loss allowance to noncurrent loans | 139.7976% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 3.8215% | 1,078 |
| Noncurrent loans to loans | 1.5574% | 3,209 |
| Net loans and leases to total assets | 65.2127% | 2,511 |
| Net loans and leases to deposits | 76.2439% | 2,598 |
| Net loans and leases to core deposits | 87.9351% | 1,917 |
| Total domestic deposits to total assets | 85.5317% | 3,781 |
| Equity capital to assets | 10.9602% | 2,998 |
| Core capital (leverage) ratio | 10.8139% | 2,443 |
| Tier 1 risk-based capital ratio | 15.3965% | 3,594 |
| Total risk-based capital ratio | 16.6583% | 3,546 |
| Memoranda: | ||
| Average total assets | $169,001,500 | 3,520 |
| Average earning assets | $147,245,000 | 3,640 |
| Average equity | $18,701,500 | 3,423 |
| Average total loans | $113,409,500 | 3,223 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5129% | 604 |
| Cost of funding earning assets | 1.3291% | 330 |
| Net interest margin | 4.1838% | 1,703 |
| Noninterest income to average assets | 0.4988% | 3,911 |
| Noninterest expense to average assets | 2.2164% | 5,892 |
| Loan and lease loss provision to assets | 1.1560% | 313 |
| Net operating income to assets | 0.5896% | 4,286 |
| Return on assets (ROA) | 0.6651% | 4,178 |
| Pretax return on assets | 0.8691% | 4,028 |
| Return on Equity (ROE) | 6.0444% | 4,152 |
| Retained earnings to average equity (ytd only) | 6.0444% | 2,053 |
| Net charge-offs to loans | 1.6523% | 508 |
| Credit loss provision to net charge-offs | 99.1123% | 3,131 |
| Earnings coverage of net charge-offs (x) | 1.6522% | 4,614 |
| Efficiency ratio | 53.4911% | 6,322 |
| Assets per employee ($millions) | 4.7616% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9620% | 2,127 |
| Loan loss allowance to noncurrent loans | 108.0724% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 3.8186% | 1,147 |
| Noncurrent loans to loans | 1.8154% | 2,896 |
| Net loans and leases to total assets | 66.2340% | 2,492 |
| Net loans and leases to deposits | 77.5941% | 2,586 |
| Net loans and leases to core deposits | 90.3276% | 1,797 |
| Total domestic deposits to total assets | 85.3597% | 3,687 |
| Equity capital to assets | 11.1745% | 2,765 |
| Core capital (leverage) ratio | 10.7874% | 2,456 |
| Tier 1 risk-based capital ratio | 15.3649% | 3,504 |
| Total risk-based capital ratio | 16.6222% | 3,462 |
| Memoranda: | ||
| Average total assets | $164,186,800 | 3,546 |
| Average earning assets | $143,027,600 | 3,678 |
| Average equity | $18,066,200 | 3,453 |
| Average total loans | $115,899,800 | 3,164 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6041% | 553 |
| Cost of funding earning assets | 1.3461% | 360 |
| Net interest margin | 4.2580% | 1,580 |
| Noninterest income to average assets | 0.6065% | 3,234 |
| Noninterest expense to average assets | 2.2229% | 5,900 |
| Loan and lease loss provision to assets | 1.2903% | 268 |
| Net operating income to assets | 0.6220% | 4,287 |
| Return on assets (ROA) | 0.7230% | 4,056 |
| Pretax return on assets | 0.9374% | 3,969 |
| Return on Equity (ROE) | 6.5970% | 4,017 |
| Retained earnings to average equity (ytd only) | 6.5970% | 2,333 |
| Net charge-offs to loans | 1.4381% | 615 |
| Credit loss provision to net charge-offs | 125.7347% | 2,290 |
| Earnings coverage of net charge-offs (x) | 2.0429% | 4,246 |
| Efficiency ratio | 51.4625% | 6,496 |
| Assets per employee ($millions) | 5.1708% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1835% | 1,737 |
| Loan loss allowance to noncurrent loans | 94.2699% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 2.8326% | 1,858 |
| Noncurrent loans to loans | 2.3162% | 2,487 |
| Net loans and leases to total assets | 69.0382% | 2,104 |
| Net loans and leases to deposits | 81.0032% | 2,248 |
| Net loans and leases to core deposits | 95.0184% | 1,487 |
| Total domestic deposits to total assets | 85.2289% | 3,650 |
| Equity capital to assets | 11.1576% | 3,085 |
| Core capital (leverage) ratio | 10.9640% | 2,428 |
| Tier 1 risk-based capital ratio | 14.9501% | 3,880 |
| Total risk-based capital ratio | 16.2139% | 3,823 |
| Memoranda: | ||
| Average total assets | $163,569,500 | 3,589 |
| Average earning assets | $142,631,250 | 3,724 |
| Average equity | $17,927,000 | 3,515 |
| Average total loans | $116,726,750 | 3,189 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6554% | 531 |
| Cost of funding earning assets | 1.3757% | 383 |
| Net interest margin | 4.2797% | 1,520 |
| Noninterest income to average assets | 0.5867% | 3,341 |
| Noninterest expense to average assets | 2.1738% | 6,073 |
| Loan and lease loss provision to assets | 1.3870% | 272 |
| Net operating income to assets | 0.5703% | 4,497 |
| Return on assets (ROA) | 0.7205% | 4,026 |
| Pretax return on assets | 0.9427% | 3,909 |
| Return on Equity (ROE) | 6.6146% | 3,986 |
| Retained earnings to average equity (ytd only) | 6.6146% | 2,324 |
| Net charge-offs to loans | 1.7514% | 509 |
| Credit loss provision to net charge-offs | 110.5675% | 2,459 |
| Earnings coverage of net charge-offs (x) | 1.6996% | 4,136 |
| Efficiency ratio | 50.4846% | 6,606 |
| Assets per employee ($millions) | 5.0366% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9905% | 2,258 |
| Loan loss allowance to noncurrent loans | 95.2653% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 2.4117% | 2,317 |
| Noncurrent loans to loans | 2.0894% | 2,834 |
| Net loans and leases to total assets | 71.3056% | 1,680 |
| Net loans and leases to deposits | 83.7138% | 1,896 |
| Net loans and leases to core deposits | 96.8352% | 1,367 |
| Total domestic deposits to total assets | 85.1779% | 3,779 |
| Equity capital to assets | 11.2036% | 2,893 |
| Core capital (leverage) ratio | 10.7317% | 2,558 |
| Tier 1 risk-based capital ratio | 14.7388% | 3,940 |
| Total risk-based capital ratio | 15.9992% | 3,893 |
| Memoranda: | ||
| Average total assets | $162,937,670 | 3,617 |
| Average earning assets | $141,599,000 | 3,760 |
| Average equity | $17,748,670 | 3,534 |
| Average total loans | $116,707,670 | 3,206 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7022% | 518 |
| Cost of funding earning assets | 1.4036% | 422 |
| Net interest margin | 4.2986% | 1,469 |
| Noninterest income to average assets | 0.5640% | 3,466 |
| Noninterest expense to average assets | 2.2048% | 6,034 |
| Loan and lease loss provision to assets | 1.5993% | 212 |
| Net operating income to assets | 0.3255% | 5,572 |
| Return on assets (ROA) | 0.6007% | 4,556 |
| Pretax return on assets | 0.8546% | 4,213 |
| Return on Equity (ROE) | 5.5927% | 4,505 |
| Retained earnings to average equity (ytd only) | 5.5927% | 3,210 |
| Net charge-offs to loans | 0.6837% | 1,450 |
| Credit loss provision to net charge-offs | 329.1457% | 913 |
| Earnings coverage of net charge-offs (x) | 4.2412% | 2,622 |
| Efficiency ratio | 51.6886% | 6,569 |
| Assets per employee ($millions) | 5.1859% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3024% | 1,672 |
| Loan loss allowance to noncurrent loans | 68.9283% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 3.2106% | 1,806 |
| Noncurrent loans to loans | 3.3403% | 1,905 |
| Net loans and leases to total assets | 68.5779% | 2,013 |
| Net loans and leases to deposits | 79.8307% | 2,223 |
| Net loans and leases to core deposits | 93.5081% | 1,503 |
| Total domestic deposits to total assets | 85.9042% | 3,585 |
| Equity capital to assets | 10.6418% | 3,334 |
| Core capital (leverage) ratio | 10.4490% | 2,815 |
| Tier 1 risk-based capital ratio | 14.4703% | 4,134 |
| Total risk-based capital ratio | 15.7330% | 4,085 |
| Memoranda: | ||
| Average total assets | $163,821,000 | 3,625 |
| Average earning assets | $141,069,000 | 3,792 |
| Average equity | $17,594,500 | 3,556 |
| Average total loans | $116,432,500 | 3,219 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8403% | 588 |
| Cost of funding earning assets | 1.4936% | 740 |
| Net interest margin | 4.3467% | 1,556 |
| Noninterest income to average assets | 0.5581% | 3,449 |
| Noninterest expense to average assets | 2.0642% | 6,555 |
| Loan and lease loss provision to assets | 1.8901% | 335 |
| Net operating income to assets | 0.6332% | 3,814 |
| Return on assets (ROA) | 0.6300% | 4,034 |
| Pretax return on assets | 0.3778% | 5,358 |
| Return on Equity (ROE) | 6.2532% | 3,751 |
| Retained earnings to average equity (ytd only) | 3.9059% | 3,433 |
| Net charge-offs to loans | 2.8733% | 355 |
| Credit loss provision to net charge-offs | 91.3441% | 3,950 |
| Earnings coverage of net charge-offs (x) | 1.0975% | 4,963 |
| Efficiency ratio | 47.6142% | 6,964 |
| Assets per employee ($millions) | 5.0529% | 2,125 |
| Cash dividends to net income (ytd only)* | 37.5375% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9127% | 2,526 |
| Loan loss allowance to noncurrent loans | 77.0776% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 2.7923% | 2,169 |
| Noncurrent loans to loans | 2.4816% | 2,650 |
| Net loans and leases to total assets | 70.5984% | 1,905 |
| Net loans and leases to deposits | 82.3495% | 2,151 |
| Net loans and leases to core deposits | 97.3279% | 1,388 |
| Total domestic deposits to total assets | 85.7303% | 3,468 |
| Equity capital to assets | 10.8410% | 3,148 |
| Core capital (leverage) ratio | 10.5142% | 2,716 |
| Tier 1 risk-based capital ratio | 14.2909% | 4,114 |
| Total risk-based capital ratio | 15.5484% | 4,074 |
| Memoranda: | ||
| Average total assets | $158,562,600 | 3,648 |
| Average earning assets | $137,783,800 | 3,793 |
| Average equity | $15,975,800 | 3,733 |
| Average total loans | $114,188,400 | 3,291 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8711% | 594 |
| Cost of funding earning assets | 1.5141% | 818 |
| Net interest margin | 4.3569% | 1,541 |
| Noninterest income to average assets | 0.6169% | 3,070 |
| Noninterest expense to average assets | 2.1067% | 6,492 |
| Loan and lease loss provision to assets | 1.8202% | 329 |
| Net operating income to assets | 0.6448% | 3,902 |
| Return on assets (ROA) | 0.6405% | 4,101 |
| Pretax return on assets | 0.4766% | 5,237 |
| Return on Equity (ROE) | 6.4837% | 3,779 |
| Retained earnings to average equity (ytd only) | 3.2760% | 4,385 |
| Net charge-offs to loans | 2.8029% | 356 |
| Credit loss provision to net charge-offs | 90.1632% | 3,765 |
| Earnings coverage of net charge-offs (x) | 1.1398% | 4,775 |
| Efficiency ratio | 47.7952% | 6,971 |
| Assets per employee ($millions) | 5.1733% | 1,967 |
| Cash dividends to net income (ytd only)* | 49.4726% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9689% | 2,422 |
| Loan loss allowance to noncurrent loans | 170.9241% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 1.9143% | 3,247 |
| Noncurrent loans to loans | 1.1519% | 4,616 |
| Net loans and leases to total assets | 70.6310% | 1,956 |
| Net loans and leases to deposits | 82.2798% | 2,305 |
| Net loans and leases to core deposits | 96.8841% | 1,519 |
| Total domestic deposits to total assets | 85.8424% | 3,306 |
| Equity capital to assets | 10.4070% | 3,823 |
| Core capital (leverage) ratio | 10.2421% | 3,138 |
| Tier 1 risk-based capital ratio | 13.5174% | 4,722 |
| Total risk-based capital ratio | 14.7778% | 4,682 |
| Memoranda: | ||
| Average total assets | $157,780,250 | 3,697 |
| Average earning assets | $137,280,000 | 3,813 |
| Average equity | $15,587,500 | 3,809 |
| Average total loans | $113,641,000 | 3,328 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8675% | 625 |
| Cost of funding earning assets | 1.5509% | 836 |
| Net interest margin | 4.3166% | 1,606 |
| Noninterest income to average assets | 0.6118% | 3,055 |
| Noninterest expense to average assets | 2.1056% | 6,580 |
| Loan and lease loss provision to assets | 1.5346% | 460 |
| Net operating income to assets | 0.6377% | 3,872 |
| Return on assets (ROA) | 0.6322% | 4,026 |
| Pretax return on assets | 0.7291% | 4,277 |
| Return on Equity (ROE) | 6.5177% | 3,696 |
| Retained earnings to average equity (ytd only) | 2.9041% | 4,435 |
| Net charge-offs to loans | 2.1114% | 615 |
| Credit loss provision to net charge-offs | 100.9220% | 3,072 |
| Earnings coverage of net charge-offs (x) | 1.4929% | 4,170 |
| Efficiency ratio | 48.1212% | 7,055 |
| Assets per employee ($millions) | 5.0715% | 2,024 |
| Cash dividends to net income (ytd only)* | 55.4435% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2127% | 1,895 |
| Loan loss allowance to noncurrent loans | 142.1884% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 2.2339% | 2,937 |
| Noncurrent loans to loans | 1.5562% | 4,074 |
| Net loans and leases to total assets | 70.8649% | 2,040 |
| Net loans and leases to deposits | 82.0151% | 2,452 |
| Net loans and leases to core deposits | 96.7840% | 1,607 |
| Total domestic deposits to total assets | 86.4047% | 3,096 |
| Equity capital to assets | 9.8953% | 4,278 |
| Core capital (leverage) ratio | 9.6988% | 3,659 |
| Tier 1 risk-based capital ratio | 12.9478% | 4,956 |
| Total risk-based capital ratio | 14.2096% | 4,930 |
| Memoranda: | ||
| Average total assets | $156,916,000 | 3,734 |
| Average earning assets | $136,821,000 | 3,841 |
| Average equity | $15,220,000 | 3,870 |
| Average total loans | $113,005,330 | 3,385 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8670% | 647 |
| Cost of funding earning assets | 1.5876% | 855 |
| Net interest margin | 4.2794% | 1,627 |
| Noninterest income to average assets | 0.5945% | 3,211 |
| Noninterest expense to average assets | 2.2403% | 6,328 |
| Loan and lease loss provision to assets | 1.4672% | 443 |
| Net operating income to assets | 0.6583% | 3,712 |
| Return on assets (ROA) | 0.6455% | 3,849 |
| Pretax return on assets | 0.6022% | 4,677 |
| Return on Equity (ROE) | 6.7236% | 3,520 |
| Retained earnings to average equity (ytd only) | 1.4085% | 5,259 |
| Net charge-offs to loans | 2.4737% | 469 |
| Credit loss provision to net charge-offs | 82.6149% | 3,106 |
| Earnings coverage of net charge-offs (x) | 1.1724% | 3,776 |
| Efficiency ratio | 51.8300% | 6,868 |
| Assets per employee ($millions) | 5.0562% | 2,084 |
| Cash dividends to net income (ytd only)* | 79.0514% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1188% | 2,142 |
| Loan loss allowance to noncurrent loans | 225.5902% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 1.9172% | 3,418 |
| Noncurrent loans to loans | 0.9392% | 5,157 |
| Net loans and leases to total assets | 70.4089% | 2,051 |
| Net loans and leases to deposits | 81.2308% | 2,490 |
| Net loans and leases to core deposits | 96.2935% | 1,651 |
| Total domestic deposits to total assets | 86.6776% | 3,129 |
| Equity capital to assets | 9.6783% | 4,201 |
| Core capital (leverage) ratio | 9.6832% | 3,552 |
| Tier 1 risk-based capital ratio | 12.8935% | 4,908 |
| Total risk-based capital ratio | 14.1529% | 4,884 |
| Memoranda: | ||
| Average total assets | $156,766,000 | 3,760 |
| Average earning assets | $136,560,500 | 3,885 |
| Average equity | $15,051,500 | 3,893 |
| Average total loans | $112,542,000 | 3,430 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9488% | 943 |
| Cost of funding earning assets | 1.9135% | 805 |
| Net interest margin | 4.0353% | 2,862 |
| Noninterest income to average assets | 0.5290% | 3,964 |
| Noninterest expense to average assets | 2.0961% | 6,855 |
| Loan and lease loss provision to assets | 1.5362% | 958 |
| Net operating income to assets | 0.4241% | 4,439 |
| Return on assets (ROA) | 0.4312% | 4,554 |
| Pretax return on assets | 0.4312% | 4,848 |
| Return on Equity (ROE) | 4.5224% | 4,287 |
| Retained earnings to average equity (ytd only) | 4.5224% | 2,706 |
| Net charge-offs to loans | 1.7700% | 1,195 |
| Credit loss provision to net charge-offs | 118.8153% | 3,574 |
| Earnings coverage of net charge-offs (x) | 1.5162% | 4,615 |
| Efficiency ratio | 51.6738% | 7,007 |
| Assets per employee ($millions) | 5.4065% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2344% | 1,810 |
| Loan loss allowance to noncurrent loans | 272.8261% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 1.7724% | 3,655 |
| Noncurrent loans to loans | 0.8190% | 5,416 |
| Net loans and leases to total assets | 70.0457% | 2,525 |
| Net loans and leases to deposits | 80.5793% | 3,063 |
| Net loans and leases to core deposits | 94.7191% | 2,168 |
| Total domestic deposits to total assets | 86.9277% | 2,870 |
| Equity capital to assets | 9.5243% | 4,374 |
| Core capital (leverage) ratio | 9.4321% | 3,800 |
| Tier 1 risk-based capital ratio | 12.9866% | 4,605 |
| Total risk-based capital ratio | 14.2458% | 4,570 |
| Memoranda: | ||
| Average total assets | $155,385,800 | 3,785 |
| Average earning assets | $135,825,200 | 3,899 |
| Average equity | $14,815,200 | 3,970 |
| Average total loans | $113,501,800 | 3,461 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9654% | 1,000 |
| Cost of funding earning assets | 1.9388% | 903 |
| Net interest margin | 4.0267% | 2,971 |
| Noninterest income to average assets | 0.5719% | 3,637 |
| Noninterest expense to average assets | 2.1388% | 6,760 |
| Loan and lease loss provision to assets | 1.3175% | 1,053 |
| Net operating income to assets | 0.4822% | 4,393 |
| Return on assets (ROA) | 0.4893% | 4,564 |
| Pretax return on assets | 0.6545% | 4,411 |
| Return on Equity (ROE) | 5.1310% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.1310% | 2,891 |
| Net charge-offs to loans | 1.8677% | 1,029 |
| Credit loss provision to net charge-offs | 96.1104% | 4,510 |
| Earnings coverage of net charge-offs (x) | 1.4316% | 4,657 |
| Efficiency ratio | 52.1493% | 6,958 |
| Assets per employee ($millions) | 5.4193% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8408% | 2,660 |
| Loan loss allowance to noncurrent loans | 341.5842% | 870 |
| Noncurrent assets plus other real estate owned to assets | 1.6614% | 3,951 |
| Noncurrent loans to loans | 0.5389% | 6,126 |
| Net loans and leases to total assets | 70.2361% | 2,681 |
| Net loans and leases to deposits | 80.8933% | 3,289 |
| Net loans and leases to core deposits | 98.0990% | 2,029 |
| Total domestic deposits to total assets | 86.8255% | 2,632 |
| Equity capital to assets | 9.6691% | 4,588 |
| Core capital (leverage) ratio | 9.5852% | 3,791 |
| Tier 1 risk-based capital ratio | 12.8059% | 4,732 |
| Total risk-based capital ratio | 14.0618% | 4,707 |
| Memoranda: | ||
| Average total assets | $155,035,000 | 3,843 |
| Average earning assets | $135,891,000 | 3,946 |
| Average equity | $14,785,750 | 4,036 |
| Average total loans | $113,793,750 | 3,506 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9350% | 1,096 |
| Cost of funding earning assets | 1.9454% | 1,060 |
| Net interest margin | 3.9896% | 3,068 |
| Noninterest income to average assets | 0.5586% | 3,639 |
| Noninterest expense to average assets | 2.1228% | 6,834 |
| Loan and lease loss provision to assets | 1.3685% | 986 |
| Net operating income to assets | 0.4337% | 4,608 |
| Return on assets (ROA) | 0.4445% | 4,723 |
| Pretax return on assets | 0.5845% | 4,609 |
| Return on Equity (ROE) | 4.6829% | 4,447 |
| Retained earnings to average equity (ytd only) | 4.6829% | 3,096 |
| Net charge-offs to loans | 2.3739% | 733 |
| Credit loss provision to net charge-offs | 77.8761% | 4,769 |
| Earnings coverage of net charge-offs (x) | 1.1032% | 4,687 |
| Efficiency ratio | 52.2655% | 7,038 |
| Assets per employee ($millions) | 5.1735% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6214% | 3,364 |
| Loan loss allowance to noncurrent loans | 89.6282% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 2.3794% | 3,032 |
| Noncurrent loans to loans | 1.8090% | 3,990 |
| Net loans and leases to total assets | 71.6193% | 2,508 |
| Net loans and leases to deposits | 82.5101% | 3,182 |
| Net loans and leases to core deposits | 99.7183% | 2,052 |
| Total domestic deposits to total assets | 86.8006% | 2,647 |
| Equity capital to assets | 9.5784% | 4,586 |
| Core capital (leverage) ratio | 9.6626% | 3,591 |
| Tier 1 risk-based capital ratio | 12.5468% | 4,813 |
| Total risk-based capital ratio | 13.8005% | 4,790 |
| Memoranda: | ||
| Average total assets | $154,326,670 | 3,881 |
| Average earning assets | $135,502,000 | 3,989 |
| Average equity | $14,649,000 | 4,065 |
| Average total loans | $114,240,670 | 3,528 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8821% | 1,242 |
| Cost of funding earning assets | 1.9860% | 1,142 |
| Net interest margin | 3.8961% | 3,347 |
| Noninterest income to average assets | 0.5121% | 3,955 |
| Noninterest expense to average assets | 2.0612% | 7,035 |
| Loan and lease loss provision to assets | 1.0475% | 1,178 |
| Net operating income to assets | 0.6046% | 3,874 |
| Return on assets (ROA) | 0.6082% | 4,005 |
| Pretax return on assets | 0.8760% | 3,555 |
| Return on Equity (ROE) | 6.4372% | 3,643 |
| Retained earnings to average equity (ytd only) | 6.4372% | 2,383 |
| Net charge-offs to loans | 2.0720% | 824 |
| Credit loss provision to net charge-offs | 67.7311% | 4,151 |
| Earnings coverage of net charge-offs (x) | 1.2403% | 4,017 |
| Efficiency ratio | 51.7962% | 7,176 |
| Assets per employee ($millions) | 4.9129% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6991% | 3,063 |
| Loan loss allowance to noncurrent loans | 63.3366% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 2.8510% | 2,534 |
| Noncurrent loans to loans | 2.6826% | 2,992 |
| Net loans and leases to total assets | 73.6960% | 2,036 |
| Net loans and leases to deposits | 84.9986% | 2,767 |
| Net loans and leases to core deposits | 103.8231% | 1,757 |
| Total domestic deposits to total assets | 86.7026% | 2,785 |
| Equity capital to assets | 9.6422% | 4,318 |
| Core capital (leverage) ratio | 9.5320% | 3,718 |
| Tier 1 risk-based capital ratio | 12.3565% | 4,862 |
| Total risk-based capital ratio | 13.6112% | 4,814 |
| Memoranda: | ||
| Average total assets | $153,888,000 | 3,947 |
| Average earning assets | $136,958,500 | 4,016 |
| Average equity | $14,540,500 | 4,111 |
| Average total loans | $114,867,000 | 3,575 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1558% | 1,360 |
| Cost of funding earning assets | 2.6645% | 641 |
| Net interest margin | 3.4913% | 5,000 |
| Noninterest income to average assets | 0.0025% | 7,686 |
| Noninterest expense to average assets | 2.0282% | 7,324 |
| Loan and lease loss provision to assets | 2.1478% | 977 |
| Net operating income to assets | -1.0761% | 6,630 |
| Return on assets (ROA) | -0.9724% | 6,560 |
| Pretax return on assets | -1.0027% | 6,410 |
| Return on Equity (ROE) | -10.2645% | 6,643 |
| Retained earnings to average equity (ytd only) | -13.1027% | 6,765 |
| Net charge-offs to loans | 2.2924% | 1,016 |
| Credit loss provision to net charge-offs | 125.3693% | 4,170 |
| Earnings coverage of net charge-offs (x) | 0.6060% | 5,495 |
| Efficiency ratio | 66.1440% | 5,371 |
| Assets per employee ($millions) | 4.8586% | 2,394 |
| Cash dividends to net income (ytd only)* | -27.6513% | 7,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8450% | 2,417 |
| Loan loss allowance to noncurrent loans | 78.3248% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.8434% | 3,608 |
| Noncurrent loans to loans | 2.3556% | 3,219 |
| Net loans and leases to total assets | 72.9521% | 2,520 |
| Net loans and leases to deposits | 83.6379% | 3,342 |
| Net loans and leases to core deposits | 102.2326% | 3,781 |
| Total domestic deposits to total assets | 87.2238% | 2,376 |
| Equity capital to assets | 9.2593% | 4,758 |
| Core capital (leverage) ratio | 9.1256% | 4,235 |
| Tier 1 risk-based capital ratio | 11.9586% | 4,978 |
| Total risk-based capital ratio | 13.2158% | 4,927 |
| Memoranda: | ||
| Average total assets | $158,070,600 | 3,809 |
| Average earning assets | $138,715,200 | 3,933 |
| Average equity | $14,974,000 | 4,060 |
| Average total loans | $118,129,200 | 3,522 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2897% | 1,156 |
| Cost of funding earning assets | 2.7817% | 627 |
| Net interest margin | 3.5079% | 4,827 |
| Noninterest income to average assets | -0.1277% | 7,944 |
| Noninterest expense to average assets | 1.9716% | 7,438 |
| Loan and lease loss provision to assets | 2.2849% | 747 |
| Net operating income to assets | -1.3306% | 7,026 |
| Return on assets (ROA) | -1.2743% | 7,006 |
| Pretax return on assets | -1.2643% | 6,847 |
| Return on Equity (ROE) | -13.3784% | 7,099 |
| Retained earnings to average equity (ytd only) | -17.1265% | 7,239 |
| Net charge-offs to loans | 2.7076% | 670 |
| Credit loss provision to net charge-offs | 112.7695% | 4,506 |
| Earnings coverage of net charge-offs (x) | 0.4760% | 5,554 |
| Efficiency ratio | 67.1531% | 5,152 |
| Assets per employee ($millions) | 4.9180% | 2,248 |
| Cash dividends to net income (ytd only)* | -28.0156% | 7,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 3,560 |
| Loan loss allowance to noncurrent loans | 67.5530% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.9031% | 3,499 |
| Noncurrent loans to loans | 2.1887% | 3,390 |
| Net loans and leases to total assets | 74.2227% | 2,464 |
| Net loans and leases to deposits | 85.2538% | 3,458 |
| Net loans and leases to core deposits | 109.9535% | 3,243 |
| Total domestic deposits to total assets | 87.0608% | 2,150 |
| Equity capital to assets | 9.3598% | 4,940 |
| Core capital (leverage) ratio | 9.0907% | 4,506 |
| Tier 1 risk-based capital ratio | 11.7952% | 5,155 |
| Total risk-based capital ratio | 13.0473% | 5,102 |
| Memoranda: | ||
| Average total assets | $158,719,250 | 3,815 |
| Average earning assets | $138,615,500 | 3,956 |
| Average equity | $15,118,500 | 4,078 |
| Average total loans | $118,772,750 | 3,540 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3364% | 1,122 |
| Cost of funding earning assets | 2.8893% | 626 |
| Net interest margin | 3.4471% | 4,995 |
| Noninterest income to average assets | -0.4373% | 8,114 |
| Noninterest expense to average assets | 1.8584% | 7,673 |
| Loan and lease loss provision to assets | 2.3183% | 689 |
| Net operating income to assets | -1.6473% | 7,309 |
| Return on assets (ROA) | -1.5631% | 7,282 |
| Pretax return on assets | -1.5481% | 7,111 |
| Return on Equity (ROE) | -16.3169% | 7,393 |
| Retained earnings to average equity (ytd only) | -21.1044% | 7,486 |
| Net charge-offs to loans | 2.7902% | 593 |
| Credit loss provision to net charge-offs | 111.2786% | 4,160 |
| Earnings coverage of net charge-offs (x) | 0.3293% | 5,346 |
| Efficiency ratio | 73.0370% | 4,185 |
| Assets per employee ($millions) | 4.7679% | 2,368 |
| Cash dividends to net income (ytd only)* | -29.3408% | 7,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 3,879 |
| Loan loss allowance to noncurrent loans | 111.3233% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 1.8851% | 3,357 |
| Noncurrent loans to loans | 1.2315% | 4,748 |
| Net loans and leases to total assets | 74.6183% | 2,539 |
| Net loans and leases to deposits | 85.7147% | 3,598 |
| Net loans and leases to core deposits | 150.6461% | 635 |
| Total domestic deposits to total assets | 87.0543% | 2,228 |
| Equity capital to assets | 9.3707% | 4,782 |
| Core capital (leverage) ratio | 9.2265% | 4,265 |
| Tier 1 risk-based capital ratio | 12.1067% | 4,835 |
| Total risk-based capital ratio | 13.3581% | 4,745 |
| Memoranda: | ||
| Average total assets | $159,167,330 | 3,845 |
| Average earning assets | $137,680,000 | 3,995 |
| Average equity | $15,248,000 | 4,071 |
| Average total loans | $118,843,330 | 3,560 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6252% | 675 |
| Cost of funding earning assets | 2.9533% | 676 |
| Net interest margin | 3.6719% | 4,009 |
| Noninterest income to average assets | 0.4498% | 4,772 |
| Noninterest expense to average assets | 1.6967% | 7,826 |
| Loan and lease loss provision to assets | 0.9370% | 1,386 |
| Net operating income to assets | 0.9181% | 2,622 |
| Return on assets (ROA) | 1.0345% | 2,316 |
| Pretax return on assets | 1.0645% | 3,128 |
| Return on Equity (ROE) | 10.6839% | 2,077 |
| Retained earnings to average equity (ytd only) | 3.9742% | 3,688 |
| Net charge-offs to loans | 1.4990% | 963 |
| Credit loss provision to net charge-offs | 84.2697% | 4,123 |
| Earnings coverage of net charge-offs (x) | 1.6921% | 3,883 |
| Efficiency ratio | 47.4162% | 7,762 |
| Assets per employee ($millions) | 5.0759% | 1,988 |
| Cash dividends to net income (ytd only)* | 62.8019% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 4,988 |
| Loan loss allowance to noncurrent loans | 104.5627% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 2.1763% | 2,632 |
| Noncurrent loans to loans | 1.1188% | 4,745 |
| Net loans and leases to total assets | 71.5162% | 3,349 |
| Net loans and leases to deposits | 82.2224% | 4,250 |
| Net loans and leases to core deposits | 142.8064% | 974 |
| Total domestic deposits to total assets | 86.9789% | 2,230 |
| Equity capital to assets | 9.5968% | 4,532 |
| Core capital (leverage) ratio | 9.6998% | 3,759 |
| Tier 1 risk-based capital ratio | 12.3524% | 4,660 |
| Total risk-based capital ratio | 13.4435% | 4,698 |
| Memoranda: | ||
| Average total assets | $160,080,000 | 3,835 |
| Average earning assets | $136,387,500 | 4,029 |
| Average equity | $15,500,000 | 4,040 |
| Average total loans | $118,746,000 | 3,588 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5190% | 402 |
| Cost of funding earning assets | 3.0824% | 1,564 |
| Net interest margin | 4.4366% | 1,571 |
| Noninterest income to average assets | 0.5765% | 4,034 |
| Noninterest expense to average assets | 1.9568% | 7,524 |
| Loan and lease loss provision to assets | 0.8502% | 1,757 |
| Net operating income to assets | 1.6639% | 722 |
| Return on assets (ROA) | 1.6904% | 666 |
| Pretax return on assets | 1.7754% | 989 |
| Return on Equity (ROE) | 16.8615% | 655 |
| Retained earnings to average equity (ytd only) | 4.9027% | 2,082 |
| Net charge-offs to loans | 0.8602% | 1,456 |
| Credit loss provision to net charge-offs | 126.4822% | 4,224 |
| Earnings coverage of net charge-offs (x) | 3.8646% | 4,201 |
| Efficiency ratio | 42.9634% | 8,043 |
| Assets per employee ($millions) | 4.7797% | 2,203 |
| Cash dividends to net income (ytd only)* | 70.9234% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 4,493 |
| Loan loss allowance to noncurrent loans | 105.7833% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 2.2893% | 2,127 |
| Noncurrent loans to loans | 1.1388% | 4,268 |
| Net loans and leases to total assets | 75.1336% | 2,848 |
| Net loans and leases to deposits | 86.7213% | 4,002 |
| Net loans and leases to core deposits | 145.4437% | 1,030 |
| Total domestic deposits to total assets | 86.6380% | 2,123 |
| Equity capital to assets | 9.7711% | 4,327 |
| Core capital (leverage) ratio | 9.9181% | 3,525 |
| Tier 1 risk-based capital ratio | 12.2472% | 4,631 |
| Total risk-based capital ratio | 13.3955% | 4,594 |
| Memoranda: | ||
| Average total assets | $150,554,800 | 3,889 |
| Average earning assets | $134,991,200 | 3,950 |
| Average equity | $15,093,600 | 4,121 |
| Average total loans | $117,641,200 | 3,514 |