Home > Progressive Bank > Performance and Condition Ratios
Progressive Bank, Performance and Condition Ratios
| 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 | 3.0507% | 5,343 |
| Cost of funding earning assets | 0.2952% | 4,386 |
| Net interest margin | 2.7555% | 5,204 |
| Noninterest income to average assets | 0.2761% | 4,320 |
| Noninterest expense to average assets | 2.3530% | 4,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4488% | 4,815 |
| Return on assets (ROA) | 0.4368% | 4,852 |
| Pretax return on assets | 0.4761% | 4,907 |
| Return on Equity (ROE) | 4.7885% | 4,553 |
| Retained earnings to average equity (ytd only) | -2.0615% | 5,013 |
| Net charge-offs to loans | -0.0040% | 3,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7889% | 880 |
| Assets per employee ($millions) | 3.9327% | 4,095 |
| Cash dividends to net income (ytd only)* | 143.0518% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8035% | 783 |
| Loan loss allowance to noncurrent loans | 72.2970% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.0298% | 1,525 |
| Noncurrent loans to loans | 2.4945% | 549 |
| Net loans and leases to total assets | 28.5271% | 5,398 |
| Net loans and leases to deposits | 34.0242% | 5,393 |
| Net loans and leases to core deposits | 34.4942% | 5,411 |
| Total domestic deposits to total assets | 83.8437% | 3,391 |
| Equity capital to assets | 8.7131% | 4,814 |
| Core capital (leverage) ratio | 9.2465% | 4,384 |
| Tier 1 risk-based capital ratio | 21.8090% | 1,081 |
| Total risk-based capital ratio | 23.0588% | 1,060 |
| Memoranda: | ||
| Average total assets | $336,080,500 | 1,994 |
| Average earning assets | $312,978,000 | 1,987 |
| Average equity | $30,657,000 | 2,323 |
| Average total loans | $99,619,500 | 3,365 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0874% | 5,302 |
| Cost of funding earning assets | 0.2949% | 4,193 |
| Net interest margin | 2.7924% | 5,175 |
| Noninterest income to average assets | 0.2600% | 4,578 |
| Noninterest expense to average assets | 2.3722% | 4,151 |
| Loan and lease loss provision to assets | 0.3144% | 538 |
| Net operating income to assets | 0.0768% | 5,280 |
| Return on assets (ROA) | 0.0775% | 5,286 |
| Pretax return on assets | 0.1690% | 5,337 |
| Return on Equity (ROE) | 0.8059% | 5,266 |
| Retained earnings to average equity (ytd only) | -4.2181% | 5,406 |
| Net charge-offs to loans | 1.1080% | 153 |
| Credit loss provision to net charge-offs | 97.6385% | 2,648 |
| Earnings coverage of net charge-offs (x) | 1.4977% | 3,881 |
| Efficiency ratio | 83.1045% | 848 |
| Assets per employee ($millions) | 3.6697% | 4,482 |
| Cash dividends to net income (ytd only)* | 623.3962% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7537% | 851 |
| Loan loss allowance to noncurrent loans | 71.6134% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 1.0496% | 1,455 |
| Noncurrent loans to loans | 2.4489% | 556 |
| Net loans and leases to total assets | 29.7093% | 5,440 |
| Net loans and leases to deposits | 35.3148% | 5,442 |
| Net loans and leases to core deposits | 35.8066% | 5,461 |
| Total domestic deposits to total assets | 84.1271% | 3,159 |
| Equity capital to assets | 9.5360% | 4,203 |
| Core capital (leverage) ratio | 9.1380% | 4,477 |
| Tier 1 risk-based capital ratio | 21.1209% | 1,131 |
| Total risk-based capital ratio | 22.3279% | 1,107 |
| Memoranda: | ||
| Average total assets | $341,913,400 | 1,952 |
| Average earning assets | $317,683,000 | 1,946 |
| Average equity | $32,881,800 | 2,172 |
| Average total loans | $99,371,600 | 3,362 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0831% | 5,353 |
| Cost of funding earning assets | 0.2931% | 4,198 |
| Net interest margin | 2.7900% | 5,236 |
| Noninterest income to average assets | 0.2857% | 4,480 |
| Noninterest expense to average assets | 2.3847% | 4,059 |
| Loan and lease loss provision to assets | 0.4168% | 320 |
| Net operating income to assets | 0.1601% | 5,391 |
| Return on assets (ROA) | 0.1617% | 5,398 |
| Pretax return on assets | 0.0768% | 5,470 |
| Return on Equity (ROE) | 1.6777% | 5,351 |
| Retained earnings to average equity (ytd only) | -2.5828% | 5,460 |
| Net charge-offs to loans | 1.4833% | 106 |
| Credit loss provision to net charge-offs | 97.6385% | 2,350 |
| Earnings coverage of net charge-offs (x) | 1.1526% | 3,595 |
| Efficiency ratio | 82.8976% | 847 |
| Assets per employee ($millions) | 3.8509% | 4,232 |
| Cash dividends to net income (ytd only)* | 253.9542% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7493% | 945 |
| Loan loss allowance to noncurrent loans | 78.6761% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.0842% | 1,538 |
| Noncurrent loans to loans | 2.2234% | 733 |
| Net loans and leases to total assets | 29.0231% | 5,519 |
| Net loans and leases to deposits | 34.8487% | 5,513 |
| Net loans and leases to core deposits | 35.3261% | 5,534 |
| Total domestic deposits to total assets | 83.2833% | 3,365 |
| Equity capital to assets | 9.7424% | 4,205 |
| Core capital (leverage) ratio | 9.0731% | 4,662 |
| Tier 1 risk-based capital ratio | 20.9323% | 1,208 |
| Total risk-based capital ratio | 22.1091% | 1,187 |
| Memoranda: | ||
| Average total assets | $343,905,250 | 1,955 |
| Average earning assets | $319,368,250 | 1,952 |
| Average equity | $33,141,000 | 2,183 |
| Average total loans | $98,968,500 | 3,398 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1002% | 5,344 |
| Cost of funding earning assets | 0.2956% | 4,127 |
| Net interest margin | 2.8046% | 5,235 |
| Noninterest income to average assets | 0.2980% | 4,403 |
| Noninterest expense to average assets | 2.4252% | 3,981 |
| Loan and lease loss provision to assets | 0.6245% | 179 |
| Net operating income to assets | 0.0267% | 5,540 |
| Return on assets (ROA) | 0.0267% | 5,542 |
| Pretax return on assets | -0.1499% | 5,597 |
| Return on Equity (ROE) | 0.2783% | 5,538 |
| Retained earnings to average equity (ytd only) | -3.8901% | 5,481 |
| Net charge-offs to loans | 2.2340% | 69 |
| Credit loss provision to net charge-offs | 97.9945% | 2,056 |
| Earnings coverage of net charge-offs (x) | 0.7448% | 3,349 |
| Efficiency ratio | 83.6338% | 872 |
| Assets per employee ($millions) | 3.9054% | 4,125 |
| Cash dividends to net income (ytd only)* | 1,497.8261% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7715% | 941 |
| Loan loss allowance to noncurrent loans | 76.1476% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.0681% | 1,638 |
| Noncurrent loans to loans | 2.3264% | 681 |
| Net loans and leases to total assets | 27.6941% | 5,575 |
| Net loans and leases to deposits | 32.7695% | 5,596 |
| Net loans and leases to core deposits | 33.2570% | 5,610 |
| Total domestic deposits to total assets | 84.5116% | 3,004 |
| Equity capital to assets | 9.3386% | 4,576 |
| Core capital (leverage) ratio | 8.7065% | 5,041 |
| Tier 1 risk-based capital ratio | 20.8584% | 1,215 |
| Total risk-based capital ratio | 22.0338% | 1,199 |
| Memoranda: | ||
| Average total assets | $344,297,000 | 1,954 |
| Average earning assets | $319,403,330 | 1,956 |
| Average equity | $33,058,000 | 2,185 |
| Average total loans | $98,210,670 | 3,425 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0401% | 5,423 |
| Cost of funding earning assets | 0.3045% | 3,999 |
| Net interest margin | 2.7356% | 5,342 |
| Noninterest income to average assets | 0.2893% | 4,483 |
| Noninterest expense to average assets | 2.4407% | 3,995 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3649% | 5,039 |
| Return on assets (ROA) | 0.3649% | 5,058 |
| Pretax return on assets | 0.3838% | 5,191 |
| Return on Equity (ROE) | 3.7463% | 4,868 |
| Retained earnings to average equity (ytd only) | -0.4365% | 4,985 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4130% | 771 |
| Assets per employee ($millions) | 3.7242% | 4,458 |
| Cash dividends to net income (ytd only)* | 111.6505% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8461% | 877 |
| Loan loss allowance to noncurrent loans | 97.7162% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.9874% | 1,854 |
| Noncurrent loans to loans | 1.8892% | 969 |
| Net loans and leases to total assets | 27.8863% | 5,631 |
| Net loans and leases to deposits | 33.4925% | 5,624 |
| Net loans and leases to core deposits | 34.0170% | 5,645 |
| Total domestic deposits to total assets | 83.2612% | 3,746 |
| Equity capital to assets | 9.6753% | 4,093 |
| Core capital (leverage) ratio | 9.4645% | 4,156 |
| Tier 1 risk-based capital ratio | 21.3801% | 1,162 |
| Total risk-based capital ratio | 22.5779% | 1,152 |
| Memoranda: | ||
| Average total assets | $338,748,500 | 1,999 |
| Average earning assets | $313,933,500 | 2,003 |
| Average equity | $32,992,500 | 2,198 |
| Average total loans | $97,217,000 | 3,461 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8828% | 5,591 |
| Cost of funding earning assets | 0.3738% | 3,278 |
| Net interest margin | 2.5089% | 5,583 |
| Noninterest income to average assets | 0.2803% | 4,733 |
| Noninterest expense to average assets | 2.4266% | 4,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1745% | 5,458 |
| Return on assets (ROA) | 0.4554% | 4,860 |
| Pretax return on assets | 0.5205% | 4,984 |
| Return on Equity (ROE) | 4.3272% | 4,724 |
| Retained earnings to average equity (ytd only) | 0.4876% | 5,133 |
| Net charge-offs to loans | 0.0010% | 4,250 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 674.0000% | 118 |
| Efficiency ratio | 92.4684% | 444 |
| Assets per employee ($millions) | 3.6008% | 4,607 |
| Cash dividends to net income (ytd only)* | 88.7315% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8508% | 872 |
| Loan loss allowance to noncurrent loans | 92.3907% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 0.8890% | 2,130 |
| Noncurrent loans to loans | 2.0033% | 901 |
| Net loans and leases to total assets | 28.4571% | 5,670 |
| Net loans and leases to deposits | 34.5587% | 5,666 |
| Net loans and leases to core deposits | 35.1192% | 5,693 |
| Total domestic deposits to total assets | 82.3441% | 3,979 |
| Equity capital to assets | 9.8052% | 3,935 |
| Core capital (leverage) ratio | 9.5539% | 4,020 |
| Tier 1 risk-based capital ratio | 22.0163% | 1,081 |
| Total risk-based capital ratio | 23.2473% | 1,058 |
| Memoranda: | ||
| Average total assets | $341,008,600 | 1,945 |
| Average earning assets | $318,582,400 | 1,926 |
| Average equity | $35,889,400 | 2,029 |
| Average total loans | $97,426,800 | 3,434 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8695% | 5,680 |
| Cost of funding earning assets | 0.3862% | 3,163 |
| Net interest margin | 2.4833% | 5,665 |
| Noninterest income to average assets | 0.2822% | 4,746 |
| Noninterest expense to average assets | 2.4098% | 4,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1744% | 5,509 |
| Return on assets (ROA) | 0.5473% | 4,614 |
| Pretax return on assets | 0.6259% | 4,810 |
| Return on Equity (ROE) | 5.1145% | 4,466 |
| Retained earnings to average equity (ytd only) | 1.3532% | 4,972 |
| Net charge-offs to loans | 0.0055% | 3,717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 126.8255% | 546 |
| Efficiency ratio | 92.4306% | 448 |
| Assets per employee ($millions) | 3.7055% | 4,457 |
| Cash dividends to net income (ytd only)* | 73.5418% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8418% | 937 |
| Loan loss allowance to noncurrent loans | 66.7908% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 0.8090% | 2,517 |
| Noncurrent loans to loans | 2.7576% | 590 |
| Net loans and leases to total assets | 28.0458% | 5,755 |
| Net loans and leases to deposits | 34.7431% | 5,746 |
| Net loans and leases to core deposits | 35.3068% | 5,762 |
| Total domestic deposits to total assets | 80.7232% | 4,315 |
| Equity capital to assets | 10.8660% | 3,179 |
| Core capital (leverage) ratio | 9.7135% | 3,919 |
| Tier 1 risk-based capital ratio | 22.8615% | 1,018 |
| Total risk-based capital ratio | 24.1160% | 1,004 |
| Memoranda: | ||
| Average total assets | $342,542,500 | 1,936 |
| Average earning assets | $320,694,250 | 1,923 |
| Average equity | $36,653,000 | 2,003 |
| Average total loans | $97,510,500 | 3,437 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8896% | 5,741 |
| Cost of funding earning assets | 0.3884% | 3,165 |
| Net interest margin | 2.5012% | 5,743 |
| Noninterest income to average assets | 0.2845% | 4,752 |
| Noninterest expense to average assets | 2.3621% | 4,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2395% | 5,445 |
| Return on assets (ROA) | 0.5270% | 4,695 |
| Pretax return on assets | 0.5841% | 4,928 |
| Return on Equity (ROE) | 4.9503% | 4,540 |
| Retained earnings to average equity (ytd only) | 1.1773% | 4,909 |
| Net charge-offs to loans | 0.0041% | 3,564 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 227.0000% | 287 |
| Efficiency ratio | 89.9245% | 606 |
| Assets per employee ($millions) | 3.5862% | 4,613 |
| Cash dividends to net income (ytd only)* | 76.2168% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8270% | 1,037 |
| Loan loss allowance to noncurrent loans | 64.9783% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 0.8413% | 2,492 |
| Noncurrent loans to loans | 2.8117% | 557 |
| Net loans and leases to total assets | 28.6287% | 5,809 |
| Net loans and leases to deposits | 35.1904% | 5,803 |
| Net loans and leases to core deposits | 35.7286% | 5,817 |
| Total domestic deposits to total assets | 81.3537% | 4,171 |
| Equity capital to assets | 11.1438% | 2,901 |
| Core capital (leverage) ratio | 9.5354% | 4,156 |
| Tier 1 risk-based capital ratio | 22.6180% | 1,062 |
| Total risk-based capital ratio | 23.8724% | 1,043 |
| Memoranda: | ||
| Average total assets | $343,087,670 | 1,944 |
| Average earning assets | $321,285,670 | 1,923 |
| Average equity | $36,523,000 | 2,016 |
| Average total loans | $97,546,000 | 3,449 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8615% | 5,818 |
| Cost of funding earning assets | 0.3927% | 3,162 |
| Net interest margin | 2.4687% | 5,831 |
| Noninterest income to average assets | 0.2832% | 4,690 |
| Noninterest expense to average assets | 2.2885% | 4,695 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2463% | 5,442 |
| Return on assets (ROA) | 0.7594% | 3,550 |
| Pretax return on assets | 0.9385% | 3,699 |
| Return on Equity (ROE) | 7.2997% | 3,288 |
| Retained earnings to average equity (ytd only) | 3.4776% | 3,759 |
| Net charge-offs to loans | -0.0041% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2353% | 794 |
| Assets per employee ($millions) | 3.6153% | 4,619 |
| Cash dividends to net income (ytd only)* | 52.3592% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9090% | 957 |
| Loan loss allowance to noncurrent loans | 60.9005% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 0.8511% | 2,562 |
| Noncurrent loans to loans | 3.1347% | 498 |
| Net loans and leases to total assets | 26.6338% | 5,905 |
| Net loans and leases to deposits | 33.1947% | 5,884 |
| Net loans and leases to core deposits | 33.6938% | 5,896 |
| Total domestic deposits to total assets | 80.2349% | 4,694 |
| Equity capital to assets | 10.5985% | 3,377 |
| Core capital (leverage) ratio | 9.6316% | 3,996 |
| Tier 1 risk-based capital ratio | 22.8697% | 1,027 |
| Total risk-based capital ratio | 24.1238% | 1,006 |
| Memoranda: | ||
| Average total assets | $346,080,500 | 1,939 |
| Average earning assets | $323,891,500 | 1,914 |
| Average equity | $36,001,500 | 2,035 |
| Average total loans | $97,167,000 | 3,466 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2800% | 5,381 |
| Cost of funding earning assets | 0.4353% | 2,782 |
| Net interest margin | 2.8447% | 5,434 |
| Noninterest income to average assets | 0.2804% | 4,875 |
| Noninterest expense to average assets | 2.4386% | 4,415 |
| Loan and lease loss provision to assets | 0.0089% | 4,223 |
| Net operating income to assets | 0.4236% | 4,976 |
| Return on assets (ROA) | 0.7199% | 3,818 |
| Pretax return on assets | 0.8294% | 4,104 |
| Return on Equity (ROE) | 6.9094% | 3,553 |
| Retained earnings to average equity (ytd only) | 2.8924% | 4,002 |
| Net charge-offs to loans | 0.0442% | 3,328 |
| Credit loss provision to net charge-offs | 66.6667% | 3,173 |
| Earnings coverage of net charge-offs (x) | 37.4667% | 1,233 |
| Efficiency ratio | 83.0519% | 1,269 |
| Assets per employee ($millions) | 3.5947% | 4,653 |
| Cash dividends to net income (ytd only)* | 58.1386% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7962% | 1,137 |
| Loan loss allowance to noncurrent loans | 58.5286% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 0.8902% | 2,448 |
| Noncurrent loans to loans | 3.0690% | 511 |
| Net loans and leases to total assets | 28.4850% | 5,933 |
| Net loans and leases to deposits | 34.8189% | 5,912 |
| Net loans and leases to core deposits | 35.3349% | 5,938 |
| Total domestic deposits to total assets | 81.8090% | 4,222 |
| Equity capital to assets | 10.2056% | 3,740 |
| Core capital (leverage) ratio | 9.4242% | 4,285 |
| Tier 1 risk-based capital ratio | 21.9796% | 1,152 |
| Total risk-based capital ratio | 23.2107% | 1,134 |
| Memoranda: | ||
| Average total assets | $338,795,800 | 1,929 |
| Average earning assets | $316,307,000 | 1,912 |
| Average equity | $35,299,800 | 2,021 |
| Average total loans | $101,722,800 | 3,356 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0334% | 5,782 |
| Cost of funding earning assets | 0.4420% | 2,773 |
| Net interest margin | 2.5914% | 5,841 |
| Noninterest income to average assets | 0.2768% | 4,964 |
| Noninterest expense to average assets | 2.4122% | 4,476 |
| Loan and lease loss provision to assets | 0.0119% | 4,035 |
| Net operating income to assets | 0.2416% | 5,589 |
| Return on assets (ROA) | 0.6476% | 4,258 |
| Pretax return on assets | 0.7267% | 4,582 |
| Return on Equity (ROE) | 6.1833% | 4,066 |
| Retained earnings to average equity (ytd only) | 2.1290% | 4,821 |
| Net charge-offs to loans | 0.0679% | 2,595 |
| Credit loss provision to net charge-offs | 57.6923% | 2,937 |
| Earnings coverage of net charge-offs (x) | 13.7311% | 2,301 |
| Efficiency ratio | 89.5231% | 729 |
| Assets per employee ($millions) | 3.5747% | 4,659 |
| Cash dividends to net income (ytd only)* | 65.5674% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7622% | 1,337 |
| Loan loss allowance to noncurrent loans | 77.3984% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6673% | 3,253 |
| Noncurrent loans to loans | 2.2768% | 948 |
| Net loans and leases to total assets | 28.7943% | 6,011 |
| Net loans and leases to deposits | 36.7164% | 5,965 |
| Net loans and leases to core deposits | 37.3293% | 5,986 |
| Total domestic deposits to total assets | 78.4236% | 5,108 |
| Equity capital to assets | 10.3216% | 3,786 |
| Core capital (leverage) ratio | 9.5383% | 4,252 |
| Tier 1 risk-based capital ratio | 21.6780% | 1,240 |
| Total risk-based capital ratio | 22.9034% | 1,217 |
| Memoranda: | ||
| Average total assets | $337,221,250 | 1,954 |
| Average earning assets | $314,622,750 | 1,936 |
| Average equity | $35,320,000 | 2,028 |
| Average total loans | $102,129,000 | 3,383 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1035% | 5,743 |
| Cost of funding earning assets | 0.4483% | 2,751 |
| Net interest margin | 2.6552% | 5,820 |
| Noninterest income to average assets | 0.2748% | 4,985 |
| Noninterest expense to average assets | 2.4362% | 4,448 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2576% | 5,557 |
| Return on assets (ROA) | 0.8310% | 3,325 |
| Pretax return on assets | 1.0047% | 3,573 |
| Return on Equity (ROE) | 7.8946% | 3,114 |
| Retained earnings to average equity (ytd only) | 3.8620% | 3,545 |
| Net charge-offs to loans | 0.1075% | 1,920 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 9.5273% | 2,443 |
| Efficiency ratio | 88.5913% | 869 |
| Assets per employee ($millions) | 3.4309% | 4,931 |
| Cash dividends to net income (ytd only)* | 51.0807% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6772% | 1,672 |
| Loan loss allowance to noncurrent loans | 202.3015% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 4,811 |
| Noncurrent loans to loans | 0.8290% | 3,051 |
| Net loans and leases to total assets | 31.2909% | 6,002 |
| Net loans and leases to deposits | 38.5444% | 5,957 |
| Net loans and leases to core deposits | 39.1534% | 5,984 |
| Total domestic deposits to total assets | 81.1815% | 4,555 |
| Equity capital to assets | 10.5372% | 3,400 |
| Core capital (leverage) ratio | 9.6083% | 4,127 |
| Tier 1 risk-based capital ratio | 21.0941% | 1,341 |
| Total risk-based capital ratio | 22.2568% | 1,329 |
| Memoranda: | ||
| Average total assets | $334,045,330 | 1,986 |
| Average earning assets | $311,394,670 | 1,970 |
| Average equity | $35,163,330 | 2,044 |
| Average total loans | $102,293,670 | 3,397 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2251% | 5,607 |
| Cost of funding earning assets | 0.4474% | 2,793 |
| Net interest margin | 2.7776% | 5,692 |
| Noninterest income to average assets | 0.2830% | 4,915 |
| Noninterest expense to average assets | 2.3949% | 4,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3656% | 5,201 |
| Return on assets (ROA) | 1.2295% | 1,553 |
| Pretax return on assets | 1.6160% | 1,234 |
| Return on Equity (ROE) | 11.6863% | 1,429 |
| Retained earnings to average equity (ytd only) | 7.7984% | 1,643 |
| Net charge-offs to loans | 0.0079% | 3,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 201.5000% | 281 |
| Efficiency ratio | 83.3264% | 1,451 |
| Assets per employee ($millions) | 3.4398% | 5,015 |
| Cash dividends to net income (ytd only)* | 33.2689% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7609% | 1,586 |
| Loan loss allowance to noncurrent loans | 196.6341% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 4,867 |
| Noncurrent loans to loans | 0.8955% | 3,000 |
| Net loans and leases to total assets | 29.6682% | 6,086 |
| Net loans and leases to deposits | 36.7998% | 6,028 |
| Net loans and leases to core deposits | 37.4624% | 6,061 |
| Total domestic deposits to total assets | 80.6207% | 4,908 |
| Equity capital to assets | 10.5916% | 3,438 |
| Core capital (leverage) ratio | 9.6239% | 4,119 |
| Tier 1 risk-based capital ratio | 21.4420% | 1,340 |
| Total risk-based capital ratio | 22.6589% | 1,319 |
| Memoranda: | ||
| Average total assets | $336,384,500 | 1,982 |
| Average earning assets | $313,793,500 | 1,972 |
| Average equity | $35,392,000 | 2,042 |
| Average total loans | $101,030,500 | 3,435 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0808% | 5,981 |
| Cost of funding earning assets | 0.4654% | 3,019 |
| Net interest margin | 2.6155% | 6,045 |
| Noninterest income to average assets | 0.3130% | 4,884 |
| Noninterest expense to average assets | 2.3834% | 4,889 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3389% | 5,406 |
| Return on assets (ROA) | 0.5733% | 4,575 |
| Pretax return on assets | 0.5992% | 4,945 |
| Return on Equity (ROE) | 5.8166% | 4,247 |
| Retained earnings to average equity (ytd only) | 1.6528% | 4,985 |
| Net charge-offs to loans | 0.0548% | 3,737 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 22.9231% | 1,610 |
| Efficiency ratio | 87.0364% | 1,072 |
| Assets per employee ($millions) | 3.4607% | 4,962 |
| Cash dividends to net income (ytd only)* | 71.5844% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8273% | 1,477 |
| Loan loss allowance to noncurrent loans | 173.3270% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 4,784 |
| Noncurrent loans to loans | 1.0543% | 2,715 |
| Net loans and leases to total assets | 29.3186% | 6,195 |
| Net loans and leases to deposits | 35.7691% | 6,177 |
| Net loans and leases to core deposits | 36.3769% | 6,195 |
| Total domestic deposits to total assets | 81.9662% | 4,432 |
| Equity capital to assets | 10.4492% | 3,548 |
| Core capital (leverage) ratio | 9.3033% | 4,534 |
| Tier 1 risk-based capital ratio | 20.1061% | 1,577 |
| Total risk-based capital ratio | 21.2863% | 1,565 |
| Memoranda: | ||
| Average total assets | $335,782,200 | 1,935 |
| Average earning assets | $311,376,400 | 1,922 |
| Average equity | $33,095,200 | 2,103 |
| Average total loans | $94,883,600 | 3,529 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0831% | 6,052 |
| Cost of funding earning assets | 0.4643% | 3,106 |
| Net interest margin | 2.6188% | 6,108 |
| Noninterest income to average assets | 0.2978% | 5,076 |
| Noninterest expense to average assets | 2.3385% | 5,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3834% | 5,309 |
| Return on assets (ROA) | 0.7045% | 4,022 |
| Pretax return on assets | 0.7097% | 4,674 |
| Return on Equity (ROE) | 7.2558% | 3,579 |
| Retained earnings to average equity (ytd only) | 3.0426% | 4,451 |
| Net charge-offs to loans | 0.0753% | 3,121 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 18.3598% | 1,847 |
| Efficiency ratio | 85.8534% | 1,196 |
| Assets per employee ($millions) | 3.4673% | 4,922 |
| Cash dividends to net income (ytd only)* | 58.0664% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8800% | 1,504 |
| Loan loss allowance to noncurrent loans | 157.7023% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 4,699 |
| Noncurrent loans to loans | 1.1921% | 2,668 |
| Net loans and leases to total assets | 28.4118% | 6,312 |
| Net loans and leases to deposits | 34.6578% | 6,280 |
| Net loans and leases to core deposits | 35.2786% | 6,292 |
| Total domestic deposits to total assets | 81.9781% | 4,482 |
| Equity capital to assets | 10.1769% | 3,960 |
| Core capital (leverage) ratio | 9.7345% | 4,019 |
| Tier 1 risk-based capital ratio | 20.6981% | 1,510 |
| Total risk-based capital ratio | 21.8536% | 1,492 |
| Memoranda: | ||
| Average total assets | $336,671,250 | 1,945 |
| Average earning assets | $311,889,750 | 1,933 |
| Average equity | $32,690,250 | 2,134 |
| Average total loans | $93,800,250 | 3,588 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0596% | 6,116 |
| Cost of funding earning assets | 0.4607% | 3,201 |
| Net interest margin | 2.5989% | 6,172 |
| Noninterest income to average assets | 0.2953% | 5,051 |
| Noninterest expense to average assets | 2.3045% | 5,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4711% | 4,931 |
| Return on assets (ROA) | 0.5960% | 4,470 |
| Pretax return on assets | 0.5226% | 5,216 |
| Return on Equity (ROE) | 6.2362% | 4,031 |
| Retained earnings to average equity (ytd only) | 1.9693% | 4,893 |
| Net charge-offs to loans | 0.0022% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 672.0000% | 105 |
| Efficiency ratio | 85.2825% | 1,346 |
| Assets per employee ($millions) | 3.5267% | 4,798 |
| Cash dividends to net income (ytd only)* | 68.4211% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9736% | 1,413 |
| Loan loss allowance to noncurrent loans | 164.9558% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 5,035 |
| Noncurrent loans to loans | 1.1965% | 2,841 |
| Net loans and leases to total assets | 27.6329% | 6,376 |
| Net loans and leases to deposits | 33.5755% | 6,356 |
| Net loans and leases to core deposits | 34.1692% | 6,371 |
| Total domestic deposits to total assets | 82.3009% | 4,548 |
| Equity capital to assets | 10.1284% | 3,934 |
| Core capital (leverage) ratio | 9.6617% | 4,096 |
| Tier 1 risk-based capital ratio | 20.8528% | 1,475 |
| Total risk-based capital ratio | 22.0663% | 1,464 |
| Memoranda: | ||
| Average total assets | $337,941,000 | 1,932 |
| Average earning assets | $312,980,000 | 1,920 |
| Average equity | $32,295,330 | 2,147 |
| Average total loans | $92,939,000 | 3,619 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0673% | 6,165 |
| Cost of funding earning assets | 0.4649% | 3,266 |
| Net interest margin | 2.6024% | 6,238 |
| Noninterest income to average assets | 0.3017% | 4,941 |
| Noninterest expense to average assets | 2.2452% | 5,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5869% | 4,254 |
| Return on assets (ROA) | 0.5292% | 4,627 |
| Pretax return on assets | 0.4066% | 5,434 |
| Return on Equity (ROE) | 5.7059% | 4,178 |
| Retained earnings to average equity (ytd only) | 1.3343% | 5,081 |
| Net charge-offs to loans | -0.0043% | 4,792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8621% | 1,814 |
| Assets per employee ($millions) | 3.5843% | 4,759 |
| Cash dividends to net income (ytd only)* | 76.6147% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0512% | 1,417 |
| Loan loss allowance to noncurrent loans | 153.5802% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 5,080 |
| Noncurrent loans to loans | 1.3356% | 2,806 |
| Net loans and leases to total assets | 26.4462% | 6,458 |
| Net loans and leases to deposits | 31.8699% | 6,440 |
| Net loans and leases to core deposits | 32.3160% | 6,456 |
| Total domestic deposits to total assets | 82.9820% | 4,607 |
| Equity capital to assets | 9.5965% | 4,357 |
| Core capital (leverage) ratio | 9.4697% | 4,326 |
| Tier 1 risk-based capital ratio | 20.6561% | 1,546 |
| Total risk-based capital ratio | 21.8675% | 1,526 |
| Memoranda: | ||
| Average total assets | $339,392,000 | 1,933 |
| Average earning assets | $314,023,500 | 1,916 |
| Average equity | $31,476,000 | 2,183 |
| Average total loans | $92,186,000 | 3,655 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1405% | 6,202 |
| Cost of funding earning assets | 0.5088% | 3,517 |
| Net interest margin | 2.6317% | 6,229 |
| Noninterest income to average assets | 0.3250% | 5,008 |
| Noninterest expense to average assets | 2.3549% | 5,215 |
| Loan and lease loss provision to assets | -0.1241% | 6,515 |
| Net operating income to assets | 0.5886% | 4,315 |
| Return on assets (ROA) | 0.7043% | 3,861 |
| Pretax return on assets | 0.6547% | 4,686 |
| Return on Equity (ROE) | 6.9247% | 3,595 |
| Retained earnings to average equity (ytd only) | 2.9059% | 4,177 |
| Net charge-offs to loans | -0.0860% | 6,441 |
| Credit loss provision to net charge-offs | 476.1905% | 485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0185% | 1,515 |
| Assets per employee ($millions) | 3.7567% | 4,357 |
| Cash dividends to net income (ytd only)* | 58.0361% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9967% | 1,560 |
| Loan loss allowance to noncurrent loans | 146.8504% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 5,134 |
| Noncurrent loans to loans | 1.3597% | 2,866 |
| Net loans and leases to total assets | 26.7762% | 6,553 |
| Net loans and leases to deposits | 32.0132% | 6,538 |
| Net loans and leases to core deposits | 32.5160% | 6,553 |
| Total domestic deposits to total assets | 83.6412% | 4,303 |
| Equity capital to assets | 8.9566% | 5,091 |
| Core capital (leverage) ratio | 9.2751% | 4,597 |
| Tier 1 risk-based capital ratio | 20.1669% | 1,618 |
| Total risk-based capital ratio | 21.3529% | 1,600 |
| Memoranda: | ||
| Average total assets | $322,438,000 | 1,995 |
| Average earning assets | $299,541,600 | 1,984 |
| Average equity | $32,795,800 | 2,097 |
| Average total loans | $97,639,000 | 3,515 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1645% | 6,243 |
| Cost of funding earning assets | 0.5157% | 3,615 |
| Net interest margin | 2.6488% | 6,251 |
| Noninterest income to average assets | 0.3325% | 5,030 |
| Noninterest expense to average assets | 2.3834% | 5,068 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5101% | 4,757 |
| Return on assets (ROA) | 0.5101% | 4,914 |
| Pretax return on assets | 0.4119% | 5,597 |
| Return on Equity (ROE) | 4.8589% | 4,792 |
| Retained earnings to average equity (ytd only) | 0.9078% | 5,615 |
| Net charge-offs to loans | -0.1189% | 6,534 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2658% | 1,437 |
| Assets per employee ($millions) | 3.6677% | 4,514 |
| Cash dividends to net income (ytd only)* | 81.3168% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3773% | 1,073 |
| Loan loss allowance to noncurrent loans | 175.2124% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.3678% | 5,303 |
| Noncurrent loans to loans | 1.3568% | 3,151 |
| Net loans and leases to total assets | 26.4631% | 6,640 |
| Net loans and leases to deposits | 31.6619% | 6,625 |
| Net loans and leases to core deposits | 32.1172% | 6,644 |
| Total domestic deposits to total assets | 83.5803% | 4,354 |
| Equity capital to assets | 8.9588% | 5,237 |
| Core capital (leverage) ratio | 9.7812% | 3,989 |
| Tier 1 risk-based capital ratio | 20.6469% | 1,570 |
| Total risk-based capital ratio | 21.9002% | 1,542 |
| Memoranda: | ||
| Average total assets | $317,582,750 | 2,033 |
| Average earning assets | $295,269,000 | 2,013 |
| Average equity | $33,340,000 | 2,089 |
| Average total loans | $98,698,250 | 3,511 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2705% | 6,134 |
| Cost of funding earning assets | 0.5364% | 3,532 |
| Net interest margin | 2.7341% | 6,125 |
| Noninterest income to average assets | 0.3424% | 4,949 |
| Noninterest expense to average assets | 2.4451% | 4,913 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5339% | 4,650 |
| Return on assets (ROA) | 0.5339% | 4,815 |
| Pretax return on assets | 0.4417% | 5,541 |
| Return on Equity (ROE) | 4.8146% | 4,819 |
| Retained earnings to average equity (ytd only) | 0.9311% | 5,531 |
| Net charge-offs to loans | -0.0080% | 5,726 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6990% | 1,559 |
| Assets per employee ($millions) | 3.1119% | 5,654 |
| Cash dividends to net income (ytd only)* | 80.6610% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2061% | 1,408 |
| Loan loss allowance to noncurrent loans | 66.2121% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.1046% | 3,517 |
| Noncurrent loans to loans | 3.3319% | 1,302 |
| Net loans and leases to total assets | 32.4220% | 6,489 |
| Net loans and leases to deposits | 39.4668% | 6,428 |
| Net loans and leases to core deposits | 40.1476% | 6,466 |
| Total domestic deposits to total assets | 82.1500% | 5,006 |
| Equity capital to assets | 10.5203% | 3,275 |
| Core capital (leverage) ratio | 10.3155% | 3,082 |
| Tier 1 risk-based capital ratio | 21.0479% | 1,475 |
| Total risk-based capital ratio | 22.3007% | 1,452 |
| Memoranda: | ||
| Average total assets | $306,076,670 | 2,117 |
| Average earning assets | $284,846,000 | 2,096 |
| Average equity | $33,938,670 | 2,052 |
| Average total loans | $99,782,330 | 3,495 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1808% | 6,313 |
| Cost of funding earning assets | 0.5347% | 3,730 |
| Net interest margin | 2.6461% | 6,299 |
| Noninterest income to average assets | 0.3513% | 4,868 |
| Noninterest expense to average assets | 2.4330% | 5,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4972% | 4,683 |
| Return on assets (ROA) | 0.4972% | 4,837 |
| Pretax return on assets | 0.3913% | 5,588 |
| Return on Equity (ROE) | 4.3758% | 4,914 |
| Retained earnings to average equity (ytd only) | 0.6251% | 5,580 |
| Net charge-offs to loans | 0.0120% | 3,901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 101.0000% | 378 |
| Efficiency ratio | 86.1454% | 1,498 |
| Assets per employee ($millions) | 3.2979% | 5,436 |
| Cash dividends to net income (ytd only)* | 85.7143% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1606% | 1,664 |
| Loan loss allowance to noncurrent loans | 62.8571% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 1.1060% | 3,721 |
| Noncurrent loans to loans | 3.4373% | 1,401 |
| Net loans and leases to total assets | 31.4807% | 6,540 |
| Net loans and leases to deposits | 39.3034% | 6,451 |
| Net loans and leases to core deposits | 40.0796% | 6,480 |
| Total domestic deposits to total assets | 80.0965% | 5,733 |
| Equity capital to assets | 11.1294% | 2,813 |
| Core capital (leverage) ratio | 10.3338% | 2,991 |
| Tier 1 risk-based capital ratio | 21.1718% | 1,496 |
| Total risk-based capital ratio | 22.4246% | 1,471 |
| Memoranda: | ||
| Average total assets | $309,742,500 | 2,123 |
| Average earning assets | $289,483,000 | 2,083 |
| Average equity | $35,193,500 | 2,008 |
| Average total loans | $100,151,500 | 3,500 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5260% | 6,331 |
| Cost of funding earning assets | 0.6416% | 3,994 |
| Net interest margin | 2.8844% | 6,253 |
| Noninterest income to average assets | 0.4011% | 4,603 |
| Noninterest expense to average assets | 2.4924% | 5,123 |
| Loan and lease loss provision to assets | -0.0829% | 6,912 |
| Net operating income to assets | 0.5611% | 4,424 |
| Return on assets (ROA) | 0.8621% | 3,231 |
| Pretax return on assets | 1.0430% | 3,385 |
| Return on Equity (ROE) | 7.3705% | 3,423 |
| Retained earnings to average equity (ytd only) | 3.7781% | 3,555 |
| Net charge-offs to loans | 0.0719% | 4,964 |
| Credit loss provision to net charge-offs | -330.6667% | 6,462 |
| Earnings coverage of net charge-offs (x) | 23.8267% | 1,203 |
| Efficiency ratio | 80.6665% | 2,056 |
| Assets per employee ($millions) | 3.2230% | 5,572 |
| Cash dividends to net income (ytd only)* | 48.7398% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1920% | 1,566 |
| Loan loss allowance to noncurrent loans | 61.4193% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 1.1597% | 3,722 |
| Noncurrent loans to loans | 3.5690% | 1,383 |
| Net loans and leases to total assets | 31.7831% | 6,638 |
| Net loans and leases to deposits | 39.4753% | 6,575 |
| Net loans and leases to core deposits | 40.2755% | 6,606 |
| Total domestic deposits to total assets | 80.5139% | 5,541 |
| Equity capital to assets | 11.6004% | 2,346 |
| Core capital (leverage) ratio | 10.4271% | 2,852 |
| Tier 1 risk-based capital ratio | 20.7987% | 1,503 |
| Total risk-based capital ratio | 22.0512% | 1,471 |
| Memoranda: | ||
| Average total assets | $299,149,800 | 2,145 |
| Average earning assets | $278,841,000 | 2,110 |
| Average equity | $34,991,000 | 1,975 |
| Average total loans | $104,303,600 | 3,417 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5953% | 6,400 |
| Cost of funding earning assets | 0.6626% | 4,083 |
| Net interest margin | 2.9327% | 6,302 |
| Noninterest income to average assets | 0.3892% | 4,718 |
| Noninterest expense to average assets | 2.5102% | 5,047 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5897% | 4,440 |
| Return on assets (ROA) | 0.7380% | 3,998 |
| Pretax return on assets | 0.7644% | 4,617 |
| Return on Equity (ROE) | 6.2957% | 4,178 |
| Retained earnings to average equity (ytd only) | 2.6889% | 4,946 |
| Net charge-offs to loans | -0.0114% | 6,385 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4107% | 2,033 |
| Assets per employee ($millions) | 3.2306% | 5,580 |
| Cash dividends to net income (ytd only)* | 57.2904% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4949% | 1,217 |
| Loan loss allowance to noncurrent loans | 66.4639% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 1.2608% | 3,777 |
| Noncurrent loans to loans | 3.7537% | 1,419 |
| Net loans and leases to total assets | 32.6893% | 6,715 |
| Net loans and leases to deposits | 41.0202% | 6,642 |
| Net loans and leases to core deposits | 41.8052% | 6,673 |
| Total domestic deposits to total assets | 79.6907% | 5,732 |
| Equity capital to assets | 11.8977% | 2,354 |
| Core capital (leverage) ratio | 10.3064% | 3,155 |
| Tier 1 risk-based capital ratio | 21.1081% | 1,502 |
| Total risk-based capital ratio | 22.3647% | 1,471 |
| Memoranda: | ||
| Average total assets | $297,390,250 | 2,175 |
| Average earning assets | $277,096,500 | 2,138 |
| Average equity | $34,859,000 | 2,003 |
| Average total loans | $105,505,250 | 3,417 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6377% | 6,440 |
| Cost of funding earning assets | 0.6858% | 4,136 |
| Net interest margin | 2.9519% | 6,337 |
| Noninterest income to average assets | 0.4029% | 4,629 |
| Noninterest expense to average assets | 2.5407% | 4,995 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5715% | 4,492 |
| Return on assets (ROA) | 0.7855% | 3,704 |
| Pretax return on assets | 0.8402% | 4,315 |
| Return on Equity (ROE) | 6.7355% | 3,921 |
| Retained earnings to average equity (ytd only) | 3.0958% | 4,577 |
| Net charge-offs to loans | -0.0187% | 6,414 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6383% | 2,084 |
| Assets per employee ($millions) | 3.1413% | 5,770 |
| Cash dividends to net income (ytd only)* | 54.0378% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3836% | 1,439 |
| Loan loss allowance to noncurrent loans | 63.5973% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.3614% | 3,712 |
| Noncurrent loans to loans | 3.7480% | 1,503 |
| Net loans and leases to total assets | 34.8672% | 6,676 |
| Net loans and leases to deposits | 43.0244% | 6,600 |
| Net loans and leases to core deposits | 43.9238% | 6,665 |
| Total domestic deposits to total assets | 81.0407% | 5,454 |
| Equity capital to assets | 11.8650% | 2,253 |
| Core capital (leverage) ratio | 10.2713% | 3,077 |
| Tier 1 risk-based capital ratio | 20.2902% | 1,642 |
| Total risk-based capital ratio | 21.5455% | 1,605 |
| Memoranda: | ||
| Average total assets | $296,372,330 | 2,178 |
| Average earning assets | $275,885,670 | 2,144 |
| Average equity | $34,563,330 | 2,002 |
| Average total loans | $107,098,330 | 3,398 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6572% | 6,501 |
| Cost of funding earning assets | 0.7069% | 4,217 |
| Net interest margin | 2.9503% | 6,387 |
| Noninterest income to average assets | 0.3786% | 4,832 |
| Noninterest expense to average assets | 2.5125% | 5,109 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6413% | 4,161 |
| Return on assets (ROA) | 0.6413% | 4,369 |
| Pretax return on assets | 0.6157% | 5,062 |
| Return on Equity (ROE) | 5.5466% | 4,524 |
| Retained earnings to average equity (ytd only) | 1.8877% | 5,303 |
| Net charge-offs to loans | 0.0259% | 4,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 65.2857% | 515 |
| Efficiency ratio | 80.3187% | 2,160 |
| Assets per employee ($millions) | 3.1012% | 5,958 |
| Cash dividends to net income (ytd only)* | 65.9664% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3469% | 1,596 |
| Loan loss allowance to noncurrent loans | 64.2067% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 1.3231% | 3,902 |
| Noncurrent loans to loans | 3.6552% | 1,695 |
| Net loans and leases to total assets | 34.5394% | 6,709 |
| Net loans and leases to deposits | 42.6032% | 6,626 |
| Net loans and leases to core deposits | 43.4746% | 6,678 |
| Total domestic deposits to total assets | 81.0723% | 5,585 |
| Equity capital to assets | 11.4201% | 2,507 |
| Core capital (leverage) ratio | 10.2936% | 3,002 |
| Tier 1 risk-based capital ratio | 19.8613% | 1,741 |
| Total risk-based capital ratio | 21.1164% | 1,716 |
| Memoranda: | ||
| Average total assets | $296,918,500 | 2,182 |
| Average earning assets | $276,715,500 | 2,154 |
| Average equity | $34,327,500 | 2,013 |
| Average total loans | $107,912,500 | 3,410 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2155% | 6,011 |
| Cost of funding earning assets | 0.8392% | 4,552 |
| Net interest margin | 3.3763% | 5,558 |
| Noninterest income to average assets | 0.4554% | 4,179 |
| Noninterest expense to average assets | 2.6445% | 4,942 |
| Loan and lease loss provision to assets | 0.2099% | 4,089 |
| Net operating income to assets | 0.6482% | 3,747 |
| Return on assets (ROA) | 0.8703% | 2,877 |
| Pretax return on assets | 0.9948% | 3,262 |
| Return on Equity (ROE) | 7.6784% | 3,066 |
| Retained earnings to average equity (ytd only) | 3.7991% | 3,513 |
| Net charge-offs to loans | 0.1337% | 5,080 |
| Credit loss provision to net charge-offs | 387.0968% | 604 |
| Earnings coverage of net charge-offs (x) | 17.5097% | 1,270 |
| Efficiency ratio | 73.5838% | 3,293 |
| Assets per employee ($millions) | 2.9900% | 6,101 |
| Cash dividends to net income (ytd only)* | 50.5225% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2882% | 1,636 |
| Loan loss allowance to noncurrent loans | 61.8883% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.4279% | 3,852 |
| Noncurrent loans to loans | 3.6974% | 1,704 |
| Net loans and leases to total assets | 36.4902% | 6,732 |
| Net loans and leases to deposits | 44.6843% | 6,689 |
| Net loans and leases to core deposits | 45.6124% | 6,749 |
| Total domestic deposits to total assets | 81.6623% | 5,249 |
| Equity capital to assets | 11.7062% | 2,337 |
| Core capital (leverage) ratio | 10.3931% | 2,852 |
| Tier 1 risk-based capital ratio | 20.1700% | 1,600 |
| Total risk-based capital ratio | 21.4254% | 1,571 |
| Memoranda: | ||
| Average total assets | $285,875,000 | 2,229 |
| Average earning assets | $265,732,000 | 2,200 |
| Average equity | $32,402,400 | 2,056 |
| Average total loans | $115,930,800 | 3,256 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 5,903 |
| Cost of funding earning assets | 0.8630% | 4,679 |
| Net interest margin | 3.4505% | 5,391 |
| Noninterest income to average assets | 0.4276% | 4,455 |
| Noninterest expense to average assets | 2.6559% | 4,883 |
| Loan and lease loss provision to assets | 0.2816% | 3,272 |
| Net operating income to assets | 0.6036% | 4,069 |
| Return on assets (ROA) | 0.8631% | 3,044 |
| Pretax return on assets | 1.0006% | 3,402 |
| Return on Equity (ROE) | 7.6797% | 3,187 |
| Retained earnings to average equity (ytd only) | 3.7417% | 4,085 |
| Net charge-offs to loans | 0.1520% | 4,554 |
| Credit loss provision to net charge-offs | 447.7612% | 623 |
| Earnings coverage of net charge-offs (x) | 15.5897% | 1,457 |
| Efficiency ratio | 73.0382% | 3,353 |
| Assets per employee ($millions) | 2.9453% | 6,239 |
| Cash dividends to net income (ytd only)* | 51.2778% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2094% | 1,840 |
| Loan loss allowance to noncurrent loans | 59.3699% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.5385% | 3,783 |
| Noncurrent loans to loans | 3.7214% | 1,829 |
| Net loans and leases to total assets | 38.3284% | 6,757 |
| Net loans and leases to deposits | 47.4404% | 6,658 |
| Net loans and leases to core deposits | 48.5725% | 6,737 |
| Total domestic deposits to total assets | 80.7928% | 5,500 |
| Equity capital to assets | 11.5217% | 2,661 |
| Core capital (leverage) ratio | 10.2407% | 3,142 |
| Tier 1 risk-based capital ratio | 19.7664% | 1,742 |
| Total risk-based capital ratio | 21.0225% | 1,713 |
| Memoranda: | ||
| Average total assets | $284,087,750 | 2,245 |
| Average earning assets | $264,189,250 | 2,219 |
| Average equity | $31,927,500 | 2,080 |
| Average total loans | $117,556,250 | 3,250 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3914% | 5,724 |
| Cost of funding earning assets | 0.8904% | 4,754 |
| Net interest margin | 3.5011% | 5,162 |
| Noninterest income to average assets | 0.4006% | 4,678 |
| Noninterest expense to average assets | 2.6819% | 4,895 |
| Loan and lease loss provision to assets | 0.4262% | 2,301 |
| Net operating income to assets | 0.5145% | 4,440 |
| Return on assets (ROA) | 0.6953% | 3,681 |
| Pretax return on assets | 0.7337% | 4,267 |
| Return on Equity (ROE) | 6.2414% | 3,826 |
| Retained earnings to average equity (ytd only) | 2.2377% | 4,871 |
| Net charge-offs to loans | 0.2191% | 3,811 |
| Credit loss provision to net charge-offs | 461.5385% | 663 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,800 |
| Efficiency ratio | 73.4487% | 3,472 |
| Assets per employee ($millions) | 2.9264% | 6,245 |
| Cash dividends to net income (ytd only)* | 64.1471% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1570% | 2,002 |
| Loan loss allowance to noncurrent loans | 58.4470% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.6064% | 3,789 |
| Noncurrent loans to loans | 3.6905% | 1,905 |
| Net loans and leases to total assets | 40.4139% | 6,715 |
| Net loans and leases to deposits | 49.2519% | 6,653 |
| Net loans and leases to core deposits | 50.4415% | 6,740 |
| Total domestic deposits to total assets | 82.0556% | 5,146 |
| Equity capital to assets | 11.2640% | 2,714 |
| Core capital (leverage) ratio | 10.1276% | 3,108 |
| Tier 1 risk-based capital ratio | 19.7470% | 1,659 |
| Total risk-based capital ratio | 21.0035% | 1,628 |
| Memoranda: | ||
| Average total assets | $281,587,670 | 2,276 |
| Average earning assets | $261,464,000 | 2,242 |
| Average equity | $31,371,330 | 2,103 |
| Average total loans | $118,646,330 | 3,255 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 5,721 |
| Cost of funding earning assets | 0.9246% | 4,746 |
| Net interest margin | 3.4680% | 5,151 |
| Noninterest income to average assets | 0.4079% | 4,648 |
| Noninterest expense to average assets | 2.6899% | 4,874 |
| Loan and lease loss provision to assets | 0.0428% | 5,456 |
| Net operating income to assets | 0.7987% | 3,043 |
| Return on assets (ROA) | 0.7987% | 3,112 |
| Pretax return on assets | 0.8957% | 3,513 |
| Return on Equity (ROE) | 7.2095% | 3,290 |
| Retained earnings to average equity (ytd only) | 3.1670% | 4,274 |
| Net charge-offs to loans | 0.2983% | 2,857 |
| Credit loss provision to net charge-offs | 33.7079% | 4,056 |
| Earnings coverage of net charge-offs (x) | 7.3933% | 1,957 |
| Efficiency ratio | 74.1352% | 3,489 |
| Assets per employee ($millions) | 2.8934% | 6,368 |
| Cash dividends to net income (ytd only)* | 56.0714% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7047% | 3,327 |
| Loan loss allowance to noncurrent loans | 43.6395% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 1.6755% | 3,740 |
| Noncurrent loans to loans | 3.9063% | 1,880 |
| Net loans and leases to total assets | 40.6713% | 6,734 |
| Net loans and leases to deposits | 49.2381% | 6,669 |
| Net loans and leases to core deposits | 50.4155% | 6,756 |
| Total domestic deposits to total assets | 82.6014% | 5,067 |
| Equity capital to assets | 11.0368% | 2,651 |
| Core capital (leverage) ratio | 10.2461% | 2,868 |
| Tier 1 risk-based capital ratio | 18.8635% | 1,842 |
| Total risk-based capital ratio | 20.1146% | 1,804 |
| Memoranda: | ||
| Average total assets | $280,451,500 | 2,301 |
| Average earning assets | $260,435,000 | 2,269 |
| Average equity | $31,070,000 | 2,108 |
| Average total loans | $119,345,500 | 3,273 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6067% | 6,092 |
| Cost of funding earning assets | 1.1878% | 4,636 |
| Net interest margin | 3.4189% | 5,557 |
| Noninterest income to average assets | 0.5082% | 4,108 |
| Noninterest expense to average assets | 2.7606% | 4,739 |
| Loan and lease loss provision to assets | 0.0792% | 6,368 |
| Net operating income to assets | 0.6904% | 3,269 |
| Return on assets (ROA) | 0.8561% | 2,701 |
| Pretax return on assets | 1.0383% | 2,818 |
| Return on Equity (ROE) | 7.5806% | 2,856 |
| Retained earnings to average equity (ytd only) | 3.7154% | 3,265 |
| Net charge-offs to loans | 0.0442% | 6,366 |
| Credit loss provision to net charge-offs | 400.0000% | 610 |
| Earnings coverage of net charge-offs (x) | 46.2182% | 501 |
| Efficiency ratio | 75.0955% | 3,188 |
| Assets per employee ($millions) | 2.7735% | 6,563 |
| Cash dividends to net income (ytd only)* | 50.9886% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6965% | 3,227 |
| Loan loss allowance to noncurrent loans | 41.7562% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 1.7808% | 3,643 |
| Noncurrent loans to loans | 4.0629% | 1,778 |
| Net loans and leases to total assets | 43.0168% | 6,789 |
| Net loans and leases to deposits | 52.1880% | 6,735 |
| Net loans and leases to core deposits | 53.4637% | 6,840 |
| Total domestic deposits to total assets | 82.4267% | 5,051 |
| Equity capital to assets | 11.1212% | 2,583 |
| Core capital (leverage) ratio | 10.2274% | 2,833 |
| Tier 1 risk-based capital ratio | 18.4334% | 1,863 |
| Total risk-based capital ratio | 19.6849% | 1,828 |
| Memoranda: | ||
| Average total assets | $277,653,000 | 2,304 |
| Average earning assets | $257,278,200 | 2,281 |
| Average equity | $31,356,200 | 2,091 |
| Average total loans | $124,327,000 | 3,225 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 6,207 |
| Cost of funding earning assets | 1.2410% | 4,620 |
| Net interest margin | 3.4051% | 5,662 |
| Noninterest income to average assets | 0.5310% | 3,933 |
| Noninterest expense to average assets | 2.7422% | 4,715 |
| Loan and lease loss provision to assets | 0.0432% | 6,658 |
| Net operating income to assets | 0.7162% | 3,347 |
| Return on assets (ROA) | 0.9289% | 2,627 |
| Pretax return on assets | 1.1685% | 2,603 |
| Return on Equity (ROE) | 8.1944% | 2,829 |
| Retained earnings to average equity (ytd only) | 4.3450% | 3,436 |
| Net charge-offs to loans | 0.0501% | 6,023 |
| Credit loss provision to net charge-offs | 191.4894% | 1,873 |
| Earnings coverage of net charge-offs (x) | 41.7627% | 659 |
| Efficiency ratio | 74.4235% | 3,239 |
| Assets per employee ($millions) | 2.8240% | 6,541 |
| Cash dividends to net income (ytd only)* | 46.9767% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 3,662 |
| Loan loss allowance to noncurrent loans | 38.3868% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 1.7897% | 3,762 |
| Noncurrent loans to loans | 4.0871% | 1,815 |
| Net loans and leases to total assets | 43.0335% | 6,905 |
| Net loans and leases to deposits | 52.8694% | 6,843 |
| Net loans and leases to core deposits | 54.1490% | 6,949 |
| Total domestic deposits to total assets | 81.3960% | 5,239 |
| Equity capital to assets | 11.5157% | 2,521 |
| Core capital (leverage) ratio | 10.2228% | 3,017 |
| Tier 1 risk-based capital ratio | 19.3650% | 1,668 |
| Total risk-based capital ratio | 20.6159% | 1,638 |
| Memoranda: | ||
| Average total assets | $277,728,250 | 2,333 |
| Average earning assets | $257,213,000 | 2,309 |
| Average equity | $31,484,000 | 2,097 |
| Average total loans | $125,067,000 | 3,263 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7106% | 6,110 |
| Cost of funding earning assets | 1.2950% | 4,570 |
| Net interest margin | 3.4156% | 5,574 |
| Noninterest income to average assets | 0.4475% | 4,541 |
| Noninterest expense to average assets | 2.7519% | 4,696 |
| Loan and lease loss provision to assets | 0.0435% | 6,542 |
| Net operating income to assets | 0.6771% | 3,498 |
| Return on assets (ROA) | 0.8292% | 2,982 |
| Pretax return on assets | 0.9965% | 3,130 |
| Return on Equity (ROE) | 7.3542% | 3,161 |
| Retained earnings to average equity (ytd only) | 3.4619% | 3,900 |
| Net charge-offs to loans | 0.0510% | 5,672 |
| Credit loss provision to net charge-offs | 187.5000% | 2,099 |
| Earnings coverage of net charge-offs (x) | 36.9688% | 781 |
| Efficiency ratio | 76.2593% | 3,029 |
| Assets per employee ($millions) | 2.7483% | 6,693 |
| Cash dividends to net income (ytd only)* | 52.9258% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 3,557 |
| Loan loss allowance to noncurrent loans | 37.2192% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 2.3167% | 3,116 |
| Noncurrent loans to loans | 4.2342% | 1,759 |
| Net loans and leases to total assets | 43.6771% | 6,950 |
| Net loans and leases to deposits | 54.2790% | 6,845 |
| Net loans and leases to core deposits | 55.5714% | 6,964 |
| Total domestic deposits to total assets | 80.4678% | 5,570 |
| Equity capital to assets | 11.6327% | 2,333 |
| Core capital (leverage) ratio | 10.2085% | 2,929 |
| Tier 1 risk-based capital ratio | 18.0955% | 1,936 |
| Total risk-based capital ratio | 19.3453% | 1,904 |
| Memoranda: | ||
| Average total assets | $276,172,330 | 2,360 |
| Average earning assets | $255,594,330 | 2,347 |
| Average equity | $31,138,670 | 2,114 |
| Average total loans | $125,602,000 | 3,293 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 6,377 |
| Cost of funding earning assets | 1.3547% | 4,460 |
| Net interest margin | 3.3050% | 5,953 |
| Noninterest income to average assets | 0.4262% | 4,695 |
| Noninterest expense to average assets | 2.7366% | 4,739 |
| Loan and lease loss provision to assets | 0.0433% | 6,241 |
| Net operating income to assets | 0.6516% | 3,656 |
| Return on assets (ROA) | 0.6516% | 3,778 |
| Pretax return on assets | 0.7166% | 4,177 |
| Return on Equity (ROE) | 5.8718% | 3,935 |
| Retained earnings to average equity (ytd only) | 1.9269% | 4,972 |
| Net charge-offs to loans | 0.0565% | 4,844 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | 29.2222% | 885 |
| Efficiency ratio | 78.2645% | 2,855 |
| Assets per employee ($millions) | 2.7467% | 6,764 |
| Cash dividends to net income (ytd only)* | 67.1840% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 3,862 |
| Loan loss allowance to noncurrent loans | 29.2511% | 6,446 |
| Noncurrent assets plus other real estate owned to assets | 2.3643% | 3,067 |
| Noncurrent loans to loans | 5.1605% | 1,392 |
| Net loans and leases to total assets | 43.9570% | 6,998 |
| Net loans and leases to deposits | 55.7948% | 6,791 |
| Net loans and leases to core deposits | 57.1211% | 6,929 |
| Total domestic deposits to total assets | 78.7832% | 6,131 |
| Equity capital to assets | 10.9302% | 2,827 |
| Core capital (leverage) ratio | 10.2021% | 2,928 |
| Tier 1 risk-based capital ratio | 17.4098% | 2,103 |
| Total risk-based capital ratio | 18.6303% | 2,084 |
| Memoranda: | ||
| Average total assets | $276,844,500 | 2,414 |
| Average earning assets | $257,187,000 | 2,377 |
| Average equity | $30,723,000 | 2,170 |
| Average total loans | $127,423,500 | 3,324 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1930% | 5,680 |
| Cost of funding earning assets | 1.7417% | 4,296 |
| Net interest margin | 3.4513% | 5,163 |
| Noninterest income to average assets | 0.5981% | 3,646 |
| Noninterest expense to average assets | 2.8333% | 4,820 |
| Loan and lease loss provision to assets | 0.0688% | 6,889 |
| Net operating income to assets | 0.7948% | 2,553 |
| Return on assets (ROA) | 0.8666% | 2,362 |
| Pretax return on assets | 0.9836% | 2,646 |
| Return on Equity (ROE) | 7.8464% | 2,436 |
| Retained earnings to average equity (ytd only) | 3.7472% | 2,572 |
| Net charge-offs to loans | 0.1666% | 5,619 |
| Credit loss provision to net charge-offs | 86.3850% | 6,119 |
| Earnings coverage of net charge-offs (x) | 12.1925% | 1,530 |
| Efficiency ratio | 74.4792% | 3,796 |
| Assets per employee ($millions) | 2.6289% | 6,984 |
| Cash dividends to net income (ytd only)* | 52.2433% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 3,871 |
| Loan loss allowance to noncurrent loans | 46.2854% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 1.5751% | 4,018 |
| Noncurrent loans to loans | 3.1824% | 2,400 |
| Net loans and leases to total assets | 46.7866% | 6,912 |
| Net loans and leases to deposits | 57.2206% | 6,832 |
| Net loans and leases to core deposits | 64.1064% | 7,082 |
| Total domestic deposits to total assets | 81.7654% | 5,050 |
| Equity capital to assets | 11.2724% | 2,482 |
| Core capital (leverage) ratio | 10.1655% | 2,929 |
| Tier 1 risk-based capital ratio | 17.7282% | 1,964 |
| Total risk-based capital ratio | 18.9700% | 1,920 |
| Memoranda: | ||
| Average total assets | $267,492,600 | 2,448 |
| Average earning assets | $248,487,800 | 2,419 |
| Average equity | $29,542,200 | 2,262 |
| Average total loans | $127,869,800 | 3,313 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2419% | 5,719 |
| Cost of funding earning assets | 1.8043% | 4,365 |
| Net interest margin | 3.4376% | 5,124 |
| Noninterest income to average assets | 0.4695% | 4,754 |
| Noninterest expense to average assets | 2.7879% | 4,940 |
| Loan and lease loss provision to assets | 0.0200% | 7,156 |
| Net operating income to assets | 0.6988% | 3,217 |
| Return on assets (ROA) | 0.7755% | 2,976 |
| Pretax return on assets | 0.9500% | 3,061 |
| Return on Equity (ROE) | 7.0586% | 3,049 |
| Retained earnings to average equity (ytd only) | 2.9263% | 3,683 |
| Net charge-offs to loans | 0.0543% | 6,165 |
| Credit loss provision to net charge-offs | 76.9231% | 5,835 |
| Earnings coverage of net charge-offs (x) | 33.7122% | 856 |
| Efficiency ratio | 76.0813% | 3,499 |
| Assets per employee ($millions) | 2.6914% | 6,871 |
| Cash dividends to net income (ytd only)* | 58.5430% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 3,566 |
| Loan loss allowance to noncurrent loans | 46.9764% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 1.4995% | 4,117 |
| Noncurrent loans to loans | 3.1434% | 2,402 |
| Net loans and leases to total assets | 46.9052% | 7,044 |
| Net loans and leases to deposits | 58.9278% | 6,905 |
| Net loans and leases to core deposits | 66.6731% | 7,129 |
| Total domestic deposits to total assets | 79.5977% | 5,591 |
| Equity capital to assets | 11.2903% | 2,755 |
| Core capital (leverage) ratio | 9.9791% | 3,311 |
| Tier 1 risk-based capital ratio | 17.1285% | 2,238 |
| Total risk-based capital ratio | 18.3601% | 2,191 |
| Memoranda: | ||
| Average total assets | $266,671,750 | 2,461 |
| Average earning assets | $247,842,000 | 2,443 |
| Average equity | $29,297,000 | 2,302 |
| Average total loans | $127,692,000 | 3,344 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3314% | 5,494 |
| Cost of funding earning assets | 1.8704% | 4,416 |
| Net interest margin | 3.4609% | 4,961 |
| Noninterest income to average assets | 0.4514% | 4,835 |
| Noninterest expense to average assets | 2.7597% | 5,132 |
| Loan and lease loss provision to assets | 0.0075% | 7,120 |
| Net operating income to assets | 0.7060% | 3,225 |
| Return on assets (ROA) | 0.8175% | 2,882 |
| Pretax return on assets | 1.0364% | 2,854 |
| Return on Equity (ROE) | 7.5123% | 2,969 |
| Retained earnings to average equity (ytd only) | 3.3087% | 3,483 |
| Net charge-offs to loans | 0.0614% | 5,639 |
| Credit loss provision to net charge-offs | 25.6410% | 6,070 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 986 |
| Efficiency ratio | 75.3504% | 3,819 |
| Assets per employee ($millions) | 2.6444% | 6,967 |
| Cash dividends to net income (ytd only)* | 55.9557% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4658% | 3,385 |
| Loan loss allowance to noncurrent loans | 46.2741% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 1.5204% | 3,943 |
| Noncurrent loans to loans | 3.1677% | 2,254 |
| Net loans and leases to total assets | 47.2025% | 7,105 |
| Net loans and leases to deposits | 59.4474% | 6,933 |
| Net loans and leases to core deposits | 68.2465% | 7,105 |
| Total domestic deposits to total assets | 79.4021% | 5,685 |
| Equity capital to assets | 10.7027% | 3,204 |
| Core capital (leverage) ratio | 9.9349% | 3,367 |
| Tier 1 risk-based capital ratio | 17.2883% | 2,213 |
| Total risk-based capital ratio | 18.5281% | 2,155 |
| Memoranda: | ||
| Average total assets | $264,953,330 | 2,490 |
| Average earning assets | $245,828,670 | 2,468 |
| Average equity | $28,832,670 | 2,348 |
| Average total loans | $127,118,670 | 3,397 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4325% | 5,262 |
| Cost of funding earning assets | 1.9644% | 4,312 |
| Net interest margin | 3.4681% | 4,859 |
| Noninterest income to average assets | 0.4494% | 4,776 |
| Noninterest expense to average assets | 2.6401% | 5,265 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8044% | 3,109 |
| Return on assets (ROA) | 0.8044% | 3,266 |
| Pretax return on assets | 1.0207% | 3,271 |
| Return on Equity (ROE) | 7.3295% | 3,458 |
| Retained earnings to average equity (ytd only) | 3.1234% | 4,135 |
| Net charge-offs to loans | 0.1079% | 4,108 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 19.7059% | 1,411 |
| Efficiency ratio | 72.1182% | 4,173 |
| Assets per employee ($millions) | 2.5708% | 7,148 |
| Cash dividends to net income (ytd only)* | 57.3864% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4815% | 3,081 |
| Loan loss allowance to noncurrent loans | 45.1806% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 1.5668% | 3,577 |
| Noncurrent loans to loans | 3.2790% | 1,958 |
| Net loans and leases to total assets | 46.9839% | 7,106 |
| Net loans and leases to deposits | 58.4382% | 7,007 |
| Net loans and leases to core deposits | 66.9438% | 7,196 |
| Total domestic deposits to total assets | 80.3993% | 5,209 |
| Equity capital to assets | 10.9026% | 3,069 |
| Core capital (leverage) ratio | 10.0917% | 3,300 |
| Tier 1 risk-based capital ratio | 17.2051% | 2,269 |
| Total risk-based capital ratio | 18.4475% | 2,216 |
| Memoranda: | ||
| Average total assets | $262,566,500 | 2,529 |
| Average earning assets | $243,129,500 | 2,510 |
| Average equity | $28,815,000 | 2,360 |
| Average total loans | $126,072,000 | 3,444 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6835% | 6,826 |
| Cost of funding earning assets | 2.2213% | 5,504 |
| Net interest margin | 3.4622% | 5,430 |
| Noninterest income to average assets | 0.5341% | 4,369 |
| Noninterest expense to average assets | 2.6943% | 5,296 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8369% | 3,277 |
| Return on assets (ROA) | 0.8725% | 2,976 |
| Pretax return on assets | 1.0776% | 3,110 |
| Return on Equity (ROE) | 8.1946% | 2,981 |
| Retained earnings to average equity (ytd only) | 3.9112% | 2,695 |
| Net charge-offs to loans | 0.0986% | 5,333 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 22.1750% | 1,485 |
| Efficiency ratio | 72.1163% | 3,916 |
| Assets per employee ($millions) | 2.5271% | 7,157 |
| Cash dividends to net income (ytd only)* | 52.2707% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 2,484 |
| Loan loss allowance to noncurrent loans | 58.7176% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 1.2736% | 3,677 |
| Noncurrent loans to loans | 2.6277% | 2,061 |
| Net loans and leases to total assets | 47.6062% | 7,215 |
| Net loans and leases to deposits | 59.4235% | 7,130 |
| Net loans and leases to core deposits | 67.9040% | 7,294 |
| Total domestic deposits to total assets | 80.1133% | 4,974 |
| Equity capital to assets | 11.0488% | 3,005 |
| Core capital (leverage) ratio | 10.0560% | 3,393 |
| Tier 1 risk-based capital ratio | 17.4928% | 2,180 |
| Total risk-based capital ratio | 18.7434% | 2,119 |
| Memoranda: | ||
| Average total assets | $257,428,200 | 2,489 |
| Average earning assets | $237,476,000 | 2,475 |
| Average equity | $27,408,400 | 2,446 |
| Average total loans | $121,650,400 | 3,427 |