Home > Progressive Savings Bank > Performance and Condition Ratios
Progressive Savings Bank, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6936% | 2,349 |
| Cost of funding earning assets | 0.6166% | 3,574 |
| Net interest margin | 4.0770% | 1,602 |
| Noninterest income to average assets | 1.4318% | 459 |
| Noninterest expense to average assets | 4.4401% | 327 |
| Loan and lease loss provision to assets | 0.1072% | 1,941 |
| Net operating income to assets | 0.4964% | 4,413 |
| Return on assets (ROA) | 0.4964% | 4,463 |
| Pretax return on assets | 0.5190% | 4,537 |
| Return on Equity (ROE) | 4.8606% | 4,249 |
| Retained earnings to average equity (ytd only) | -0.6336% | 4,776 |
| Net charge-offs to loans | 0.1696% | 1,193 |
| Credit loss provision to net charge-offs | 95.7831% | 2,578 |
| Earnings coverage of net charge-offs (x) | 5.5964% | 3,066 |
| Efficiency ratio | 87.4218% | 471 |
| Assets per employee ($millions) | 2.4818% | 5,001 |
| Cash dividends to net income (ytd only)* | 113.0346% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 1,901 |
| Loan loss allowance to noncurrent loans | 93.0483% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 2.5050% | 259 |
| Noncurrent loans to loans | 1.4019% | 1,044 |
| Net loans and leases to total assets | 64.1239% | 3,182 |
| Net loans and leases to deposits | 72.1939% | 3,509 |
| Net loans and leases to core deposits | 75.5404% | 3,610 |
| Total domestic deposits to total assets | 88.8218% | 741 |
| Equity capital to assets | 10.2647% | 3,658 |
| Core capital (leverage) ratio | 10.1804% | 3,322 |
| Tier 1 risk-based capital ratio | 13.6531% | 3,433 |
| Total risk-based capital ratio | 14.8042% | 3,394 |
| Memoranda: | ||
| Average total assets | $296,749,600 | 2,177 |
| Average earning assets | $264,532,000 | 2,250 |
| Average equity | $30,305,000 | 2,374 |
| Average total loans | $195,793,000 | 2,195 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 2,422 |
| Cost of funding earning assets | 0.6192% | 3,590 |
| Net interest margin | 4.0789% | 1,676 |
| Noninterest income to average assets | 1.4724% | 417 |
| Noninterest expense to average assets | 4.4877% | 300 |
| Loan and lease loss provision to assets | 0.0996% | 1,927 |
| Net operating income to assets | 0.4721% | 4,583 |
| Return on assets (ROA) | 0.4721% | 4,620 |
| Pretax return on assets | 0.5183% | 4,674 |
| Return on Equity (ROE) | 4.6288% | 4,445 |
| Retained earnings to average equity (ytd only) | -0.2112% | 4,780 |
| Net charge-offs to loans | 0.2263% | 782 |
| Credit loss provision to net charge-offs | 66.4671% | 2,658 |
| Earnings coverage of net charge-offs (x) | 4.1228% | 3,040 |
| Efficiency ratio | 87.6769% | 413 |
| Assets per employee ($millions) | 2.4956% | 5,081 |
| Cash dividends to net income (ytd only)* | 104.5629% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,257 |
| Loan loss allowance to noncurrent loans | 139.7213% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 2.3980% | 304 |
| Noncurrent loans to loans | 0.8919% | 1,794 |
| Net loans and leases to total assets | 65.3003% | 3,143 |
| Net loans and leases to deposits | 73.5443% | 3,515 |
| Net loans and leases to core deposits | 78.5191% | 3,508 |
| Total domestic deposits to total assets | 88.7904% | 692 |
| Equity capital to assets | 10.4397% | 3,601 |
| Core capital (leverage) ratio | 10.2012% | 3,425 |
| Tier 1 risk-based capital ratio | 13.4810% | 3,580 |
| Total risk-based capital ratio | 14.5686% | 3,576 |
| Memoranda: | ||
| Average total assets | $297,103,750 | 2,192 |
| Average earning assets | $264,642,250 | 2,261 |
| Average equity | $30,302,500 | 2,387 |
| Average total loans | $196,770,750 | 2,207 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7947% | 2,072 |
| Cost of funding earning assets | 0.6104% | 3,596 |
| Net interest margin | 4.1843% | 1,400 |
| Noninterest income to average assets | 1.4518% | 421 |
| Noninterest expense to average assets | 4.3874% | 340 |
| Loan and lease loss provision to assets | 0.1051% | 1,778 |
| Net operating income to assets | 0.6265% | 4,230 |
| Return on assets (ROA) | 0.6265% | 4,274 |
| Pretax return on assets | 0.6847% | 4,365 |
| Return on Equity (ROE) | 6.1900% | 3,984 |
| Retained earnings to average equity (ytd only) | -1.0846% | 4,834 |
| Net charge-offs to loans | 0.0343% | 2,176 |
| Credit loss provision to net charge-offs | 461.7647% | 638 |
| Earnings coverage of net charge-offs (x) | 34.7059% | 1,348 |
| Efficiency ratio | 84.5249% | 618 |
| Assets per employee ($millions) | 2.5149% | 5,117 |
| Cash dividends to net income (ytd only)* | 117.5214% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 1,932 |
| Loan loss allowance to noncurrent loans | 76.9971% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 2.8694% | 221 |
| Noncurrent loans to loans | 1.7117% | 891 |
| Net loans and leases to total assets | 66.6339% | 3,024 |
| Net loans and leases to deposits | 74.8089% | 3,446 |
| Net loans and leases to core deposits | 80.0547% | 3,419 |
| Total domestic deposits to total assets | 89.0722% | 639 |
| Equity capital to assets | 10.1767% | 3,812 |
| Core capital (leverage) ratio | 9.9748% | 3,604 |
| Tier 1 risk-based capital ratio | 13.0946% | 3,791 |
| Total risk-based capital ratio | 14.2601% | 3,737 |
| Memoranda: | ||
| Average total assets | $298,808,000 | 2,192 |
| Average earning assets | $266,044,330 | 2,258 |
| Average equity | $30,242,330 | 2,389 |
| Average total loans | $198,002,000 | 2,202 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7109% | 2,188 |
| Cost of funding earning assets | 0.6014% | 3,566 |
| Net interest margin | 4.1095% | 1,525 |
| Noninterest income to average assets | 1.5302% | 369 |
| Noninterest expense to average assets | 4.4011% | 333 |
| Loan and lease loss provision to assets | 0.1014% | 1,732 |
| Net operating income to assets | 0.6243% | 4,168 |
| Return on assets (ROA) | 0.6243% | 4,212 |
| Pretax return on assets | 0.6830% | 4,339 |
| Return on Equity (ROE) | 6.1857% | 3,955 |
| Retained earnings to average equity (ytd only) | 6.1857% | 2,374 |
| Net charge-offs to loans | 0.0122% | 2,257 |
| Credit loss provision to net charge-offs | 1,266.6667% | 305 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 676 |
| Efficiency ratio | 84.6411% | 661 |
| Assets per employee ($millions) | 2.6370% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 1,987 |
| Loan loss allowance to noncurrent loans | 114.1093% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 2.6255% | 276 |
| Noncurrent loans to loans | 1.1591% | 1,440 |
| Net loans and leases to total assets | 64.2256% | 3,260 |
| Net loans and leases to deposits | 72.0458% | 3,599 |
| Net loans and leases to core deposits | 77.3425% | 3,572 |
| Total domestic deposits to total assets | 89.1455% | 793 |
| Equity capital to assets | 10.1735% | 3,655 |
| Core capital (leverage) ratio | 10.1050% | 3,487 |
| Tier 1 risk-based capital ratio | 13.4571% | 3,626 |
| Total risk-based capital ratio | 14.6073% | 3,596 |
| Memoranda: | ||
| Average total assets | $299,834,000 | 2,196 |
| Average earning assets | $266,700,000 | 2,262 |
| Average equity | $30,263,500 | 2,395 |
| Average total loans | $196,812,500 | 2,230 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6964% | 1,830 |
| Cost of funding earning assets | 0.5024% | 3,336 |
| Net interest margin | 4.1941% | 1,404 |
| Noninterest income to average assets | 1.6392% | 357 |
| Noninterest expense to average assets | 4.3022% | 366 |
| Loan and lease loss provision to assets | 0.1248% | 1,764 |
| Net operating income to assets | 0.9087% | 3,412 |
| Return on assets (ROA) | 0.9087% | 3,399 |
| Pretax return on assets | 0.9110% | 3,867 |
| Return on Equity (ROE) | 9.4156% | 2,783 |
| Retained earnings to average equity (ytd only) | 6.6885% | 1,828 |
| Net charge-offs to loans | 0.0676% | 2,147 |
| Credit loss provision to net charge-offs | 276.1194% | 1,097 |
| Earnings coverage of net charge-offs (x) | 22.9104% | 1,876 |
| Efficiency ratio | 80.3856% | 926 |
| Assets per employee ($millions) | 2.6464% | 5,157 |
| Cash dividends to net income (ytd only)* | 28.9640% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 2,186 |
| Loan loss allowance to noncurrent loans | 103.0713% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 2.8962% | 229 |
| Noncurrent loans to loans | 1.2336% | 1,291 |
| Net loans and leases to total assets | 65.3557% | 3,217 |
| Net loans and leases to deposits | 73.1791% | 3,571 |
| Net loans and leases to core deposits | 85.1693% | 2,988 |
| Total domestic deposits to total assets | 89.3093% | 731 |
| Equity capital to assets | 10.0129% | 3,673 |
| Core capital (leverage) ratio | 10.2048% | 3,351 |
| Tier 1 risk-based capital ratio | 13.1765% | 3,742 |
| Total risk-based capital ratio | 14.2898% | 3,717 |
| Memoranda: | ||
| Average total assets | $296,361,400 | 2,180 |
| Average earning assets | $261,370,000 | 2,260 |
| Average equity | $28,601,400 | 2,423 |
| Average total loans | $198,308,000 | 2,184 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6765% | 1,744 |
| Cost of funding earning assets | 0.4819% | 3,319 |
| Net interest margin | 4.1946% | 1,370 |
| Noninterest income to average assets | 1.5953% | 381 |
| Noninterest expense to average assets | 4.3544% | 338 |
| Loan and lease loss provision to assets | 0.0902% | 2,173 |
| Net operating income to assets | 0.7963% | 3,916 |
| Return on assets (ROA) | 0.7963% | 3,925 |
| Pretax return on assets | 0.8437% | 4,183 |
| Return on Equity (ROE) | 8.3302% | 3,406 |
| Retained earnings to average equity (ytd only) | 4.6509% | 3,423 |
| Net charge-offs to loans | 0.0833% | 1,688 |
| Credit loss provision to net charge-offs | 161.2903% | 1,624 |
| Earnings coverage of net charge-offs (x) | 16.7015% | 2,152 |
| Efficiency ratio | 82.1282% | 768 |
| Assets per employee ($millions) | 2.6454% | 5,237 |
| Cash dividends to net income (ytd only)* | 44.1674% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 2,172 |
| Loan loss allowance to noncurrent loans | 141.7902% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 2.7977% | 283 |
| Noncurrent loans to loans | 0.9055% | 1,889 |
| Net loans and leases to total assets | 65.7154% | 3,215 |
| Net loans and leases to deposits | 73.5232% | 3,642 |
| Net loans and leases to core deposits | 84.4606% | 3,121 |
| Total domestic deposits to total assets | 89.3805% | 710 |
| Equity capital to assets | 9.8978% | 3,737 |
| Core capital (leverage) ratio | 9.9702% | 3,670 |
| Tier 1 risk-based capital ratio | 13.0011% | 3,903 |
| Total risk-based capital ratio | 14.1223% | 3,883 |
| Memoranda: | ||
| Average total assets | $295,690,500 | 2,191 |
| Average earning assets | $260,331,000 | 2,273 |
| Average equity | $28,266,000 | 2,450 |
| Average total loans | $198,395,000 | 2,198 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 1,702 |
| Cost of funding earning assets | 0.4689% | 3,233 |
| Net interest margin | 4.1593% | 1,381 |
| Noninterest income to average assets | 1.5192% | 417 |
| Noninterest expense to average assets | 4.2980% | 366 |
| Loan and lease loss provision to assets | 0.1077% | 1,826 |
| Net operating income to assets | 0.7327% | 4,095 |
| Return on assets (ROA) | 0.7327% | 4,090 |
| Pretax return on assets | 0.7717% | 4,328 |
| Return on Equity (ROE) | 7.7544% | 3,607 |
| Retained earnings to average equity (ytd only) | 2.2003% | 4,401 |
| Net charge-offs to loans | 0.0430% | 2,004 |
| Credit loss provision to net charge-offs | 372.0930% | 864 |
| Earnings coverage of net charge-offs (x) | 30.3953% | 1,492 |
| Efficiency ratio | 82.7940% | 782 |
| Assets per employee ($millions) | 2.6399% | 5,291 |
| Cash dividends to net income (ytd only)* | 71.6253% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 2,489 |
| Loan loss allowance to noncurrent loans | 115.6592% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 3.2298% | 213 |
| Noncurrent loans to loans | 1.0717% | 1,647 |
| Net loans and leases to total assets | 66.6761% | 3,055 |
| Net loans and leases to deposits | 74.3889% | 3,496 |
| Net loans and leases to core deposits | 85.1057% | 3,004 |
| Total domestic deposits to total assets | 89.6317% | 693 |
| Equity capital to assets | 9.7191% | 3,901 |
| Core capital (leverage) ratio | 9.6585% | 3,933 |
| Tier 1 risk-based capital ratio | 12.5712% | 4,141 |
| Total risk-based capital ratio | 13.6569% | 4,137 |
| Memoranda: | ||
| Average total assets | $297,256,000 | 2,192 |
| Average earning assets | $261,436,000 | 2,262 |
| Average equity | $28,087,330 | 2,472 |
| Average total loans | $199,955,000 | 2,186 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5615% | 1,686 |
| Cost of funding earning assets | 0.4645% | 3,093 |
| Net interest margin | 4.0971% | 1,445 |
| Noninterest income to average assets | 1.7427% | 327 |
| Noninterest expense to average assets | 4.2954% | 356 |
| Loan and lease loss provision to assets | 0.1330% | 1,419 |
| Net operating income to assets | 0.8713% | 3,411 |
| Return on assets (ROA) | 0.8713% | 3,428 |
| Pretax return on assets | 0.9166% | 3,792 |
| Return on Equity (ROE) | 9.3506% | 2,741 |
| Retained earnings to average equity (ytd only) | -1.7845% | 4,988 |
| Net charge-offs to loans | 0.0911% | 1,251 |
| Credit loss provision to net charge-offs | 217.3913% | 991 |
| Earnings coverage of net charge-offs (x) | 17.1522% | 1,596 |
| Efficiency ratio | 80.1643% | 1,117 |
| Assets per employee ($millions) | 2.7435% | 5,314 |
| Cash dividends to net income (ytd only)* | 119.0840% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 2,941 |
| Loan loss allowance to noncurrent loans | 126.0119% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 3.3401% | 214 |
| Noncurrent loans to loans | 0.9355% | 1,952 |
| Net loans and leases to total assets | 66.6762% | 2,943 |
| Net loans and leases to deposits | 74.3764% | 3,376 |
| Net loans and leases to core deposits | 84.5513% | 2,926 |
| Total domestic deposits to total assets | 89.6469% | 812 |
| Equity capital to assets | 9.4646% | 4,125 |
| Core capital (leverage) ratio | 9.2099% | 4,423 |
| Tier 1 risk-based capital ratio | 12.2041% | 4,431 |
| Total risk-based capital ratio | 13.2335% | 4,451 |
| Memoranda: | ||
| Average total assets | $300,691,000 | 2,189 |
| Average earning assets | $264,384,500 | 2,273 |
| Average equity | $28,019,500 | 2,492 |
| Average total loans | $201,908,500 | 2,180 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 1,404 |
| Cost of funding earning assets | 0.5510% | 1,946 |
| Net interest margin | 4.0568% | 1,570 |
| Noninterest income to average assets | 1.9974% | 299 |
| Noninterest expense to average assets | 4.2632% | 390 |
| Loan and lease loss provision to assets | 0.1665% | 1,322 |
| Net operating income to assets | 1.0958% | 1,867 |
| Return on assets (ROA) | 1.0958% | 1,888 |
| Pretax return on assets | 1.1222% | 3,101 |
| Return on Equity (ROE) | 12.3176% | 1,124 |
| Retained earnings to average equity (ytd only) | 9.1669% | 477 |
| Net charge-offs to loans | 0.1546% | 1,566 |
| Credit loss provision to net charge-offs | 155.8642% | 1,715 |
| Earnings coverage of net charge-offs (x) | 12.0617% | 2,510 |
| Efficiency ratio | 76.5918% | 1,540 |
| Assets per employee ($millions) | 2.7984% | 5,324 |
| Cash dividends to net income (ytd only)* | 25.5793% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 3,303 |
| Loan loss allowance to noncurrent loans | 96.0826% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 3.3201% | 212 |
| Noncurrent loans to loans | 1.1538% | 1,541 |
| Net loans and leases to total assets | 66.0987% | 3,090 |
| Net loans and leases to deposits | 73.2881% | 3,570 |
| Net loans and leases to core deposits | 84.2361% | 3,039 |
| Total domestic deposits to total assets | 90.1902% | 503 |
| Equity capital to assets | 9.1789% | 4,551 |
| Core capital (leverage) ratio | 9.0486% | 4,590 |
| Tier 1 risk-based capital ratio | 11.7061% | 4,715 |
| Total risk-based capital ratio | 12.6666% | 4,787 |
| Memoranda: | ||
| Average total assets | $303,246,600 | 2,149 |
| Average earning assets | $265,701,000 | 2,245 |
| Average equity | $26,977,600 | 2,548 |
| Average total loans | $209,605,600 | 2,079 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6098% | 1,342 |
| Cost of funding earning assets | 0.5586% | 1,825 |
| Net interest margin | 4.0512% | 1,534 |
| Noninterest income to average assets | 2.3162% | 245 |
| Noninterest expense to average assets | 4.3680% | 349 |
| Loan and lease loss provision to assets | 0.1642% | 1,235 |
| Net operating income to assets | 1.3095% | 1,297 |
| Return on assets (ROA) | 1.3095% | 1,336 |
| Pretax return on assets | 1.3306% | 2,358 |
| Return on Equity (ROE) | 14.8393% | 673 |
| Retained earnings to average equity (ytd only) | 10.5881% | 472 |
| Net charge-offs to loans | 0.1798% | 1,169 |
| Credit loss provision to net charge-offs | 130.9859% | 1,881 |
| Earnings coverage of net charge-offs (x) | 11.9260% | 2,464 |
| Efficiency ratio | 74.3150% | 1,846 |
| Assets per employee ($millions) | 2.8330% | 5,375 |
| Cash dividends to net income (ytd only)* | 28.6486% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,607 |
| Loan loss allowance to noncurrent loans | 65.1772% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 4.2885% | 148 |
| Noncurrent loans to loans | 1.6558% | 1,103 |
| Net loans and leases to total assets | 65.5507% | 3,169 |
| Net loans and leases to deposits | 72.7631% | 3,694 |
| Net loans and leases to core deposits | 84.8338% | 3,059 |
| Total domestic deposits to total assets | 90.0879% | 447 |
| Equity capital to assets | 9.1456% | 4,781 |
| Core capital (leverage) ratio | 8.9548% | 4,793 |
| Tier 1 risk-based capital ratio | 11.5982% | 4,883 |
| Total risk-based capital ratio | 12.5236% | 4,986 |
| Memoranda: | ||
| Average total assets | $302,101,750 | 2,172 |
| Average earning assets | $264,474,500 | 2,266 |
| Average equity | $26,658,250 | 2,583 |
| Average total loans | $210,569,500 | 2,079 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5903% | 1,274 |
| Cost of funding earning assets | 0.5556% | 1,740 |
| Net interest margin | 4.0347% | 1,502 |
| Noninterest income to average assets | 1.4210% | 537 |
| Noninterest expense to average assets | 4.2237% | 405 |
| Loan and lease loss provision to assets | 0.0598% | 2,770 |
| Net operating income to assets | 0.6607% | 4,024 |
| Return on assets (ROA) | 0.6607% | 4,083 |
| Pretax return on assets | 0.6673% | 4,640 |
| Return on Equity (ROE) | 7.4802% | 3,298 |
| Retained earnings to average equity (ytd only) | 5.6007% | 2,353 |
| Net charge-offs to loans | 0.1998% | 1,008 |
| Credit loss provision to net charge-offs | 42.2535% | 2,623 |
| Earnings coverage of net charge-offs (x) | 5.1408% | 2,855 |
| Efficiency ratio | 85.0858% | 754 |
| Assets per employee ($millions) | 2.7848% | 5,433 |
| Cash dividends to net income (ytd only)* | 25.1256% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 4,489 |
| Loan loss allowance to noncurrent loans | 48.6946% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 4.2600% | 155 |
| Noncurrent loans to loans | 1.9220% | 898 |
| Net loans and leases to total assets | 68.9386% | 2,675 |
| Net loans and leases to deposits | 76.0858% | 3,334 |
| Net loans and leases to core deposits | 88.9175% | 2,624 |
| Total domestic deposits to total assets | 90.6064% | 321 |
| Equity capital to assets | 8.7766% | 5,083 |
| Core capital (leverage) ratio | 8.5517% | 5,178 |
| Tier 1 risk-based capital ratio | 10.8109% | 5,337 |
| Total risk-based capital ratio | 11.6320% | 5,439 |
| Memoranda: | ||
| Average total assets | $301,202,330 | 2,183 |
| Average earning assets | $263,511,000 | 2,274 |
| Average equity | $26,603,670 | 2,590 |
| Average total loans | $213,177,000 | 2,061 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5828% | 1,182 |
| Cost of funding earning assets | 0.5301% | 1,862 |
| Net interest margin | 4.0527% | 1,340 |
| Noninterest income to average assets | 1.6238% | 422 |
| Noninterest expense to average assets | 4.3382% | 371 |
| Loan and lease loss provision to assets | 0.0400% | 3,005 |
| Net operating income to assets | 0.7466% | 3,492 |
| Return on assets (ROA) | 0.7466% | 3,544 |
| Pretax return on assets | 0.7826% | 4,175 |
| Return on Equity (ROE) | 8.4258% | 2,707 |
| Retained earnings to average equity (ytd only) | 8.4258% | 1,301 |
| Net charge-offs to loans | 0.0056% | 2,779 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 205.6667% | 271 |
| Efficiency ratio | 83.8543% | 981 |
| Assets per employee ($millions) | 2.7706% | 5,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7206% | 5,261 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 3.7606% | 213 |
| Noncurrent loans to loans | 0.8236% | 2,397 |
| Net loans and leases to total assets | 69.9299% | 2,388 |
| Net loans and leases to deposits | 77.2043% | 3,055 |
| Net loans and leases to core deposits | 90.9597% | 2,272 |
| Total domestic deposits to total assets | 90.5778% | 444 |
| Equity capital to assets | 8.8205% | 4,981 |
| Core capital (leverage) ratio | 8.8266% | 4,930 |
| Tier 1 risk-based capital ratio | 10.7533% | 5,439 |
| Total risk-based capital ratio | 11.3833% | 5,619 |
| Memoranda: | ||
| Average total assets | $300,030,000 | 2,210 |
| Average earning assets | $261,851,500 | 2,305 |
| Average equity | $26,585,000 | 2,600 |
| Average total loans | $214,146,500 | 2,069 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7128% | 1,045 |
| Cost of funding earning assets | 0.5456% | 1,736 |
| Net interest margin | 4.1672% | 1,189 |
| Noninterest income to average assets | 1.7560% | 403 |
| Noninterest expense to average assets | 4.5632% | 353 |
| Loan and lease loss provision to assets | 0.0288% | 3,777 |
| Net operating income to assets | 0.7261% | 3,658 |
| Return on assets (ROA) | 0.7261% | 3,771 |
| Pretax return on assets | 0.7643% | 4,287 |
| Return on Equity (ROE) | 7.9760% | 2,946 |
| Retained earnings to average equity (ytd only) | 7.9760% | 863 |
| Net charge-offs to loans | -0.0005% | 4,635 |
| Credit loss provision to net charge-offs | -8,000.0000% | 5,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9704% | 911 |
| Assets per employee ($millions) | 2.7597% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7115% | 5,335 |
| Loan loss allowance to noncurrent loans | 51.5080% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 4.3154% | 167 |
| Noncurrent loans to loans | 1.3814% | 1,481 |
| Net loans and leases to total assets | 71.8279% | 2,192 |
| Net loans and leases to deposits | 79.5772% | 2,930 |
| Net loans and leases to core deposits | 91.6829% | 2,329 |
| Total domestic deposits to total assets | 90.2618% | 535 |
| Equity capital to assets | 8.9024% | 4,905 |
| Core capital (leverage) ratio | 9.0543% | 4,678 |
| Tier 1 risk-based capital ratio | 10.6141% | 5,519 |
| Total risk-based capital ratio | 11.2383% | 5,698 |
| Memoranda: | ||
| Average total assets | $277,500,000 | 2,303 |
| Average earning assets | $239,752,400 | 2,438 |
| Average equity | $25,263,200 | 2,694 |
| Average total loans | $196,872,400 | 2,139 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7157% | 1,036 |
| Cost of funding earning assets | 0.5493% | 1,698 |
| Net interest margin | 4.1664% | 1,210 |
| Noninterest income to average assets | 1.8028% | 405 |
| Noninterest expense to average assets | 4.6862% | 328 |
| Loan and lease loss provision to assets | 0.0244% | 3,758 |
| Net operating income to assets | 0.6529% | 4,072 |
| Return on assets (ROA) | 0.6529% | 4,192 |
| Pretax return on assets | 0.6851% | 4,653 |
| Return on Equity (ROE) | 7.1285% | 3,490 |
| Retained earnings to average equity (ytd only) | 7.1285% | 1,556 |
| Net charge-offs to loans | 0.0014% | 3,899 |
| Credit loss provision to net charge-offs | 2,500.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 725.5730% | 124 |
| Efficiency ratio | 86.6244% | 772 |
| Assets per employee ($millions) | 2.5977% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7319% | 5,355 |
| Loan loss allowance to noncurrent loans | 62.0978% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 4.3871% | 181 |
| Noncurrent loans to loans | 1.1787% | 1,905 |
| Net loans and leases to total assets | 71.1765% | 2,322 |
| Net loans and leases to deposits | 79.0342% | 3,074 |
| Net loans and leases to core deposits | 91.7302% | 2,417 |
| Total domestic deposits to total assets | 90.0578% | 463 |
| Equity capital to assets | 9.1232% | 5,049 |
| Core capital (leverage) ratio | 8.9760% | 4,854 |
| Tier 1 risk-based capital ratio | 10.9149% | 5,414 |
| Total risk-based capital ratio | 11.5597% | 5,630 |
| Memoranda: | ||
| Average total assets | $273,052,000 | 2,345 |
| Average earning assets | $235,462,500 | 2,480 |
| Average equity | $25,007,000 | 2,733 |
| Average total loans | $192,685,000 | 2,178 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6974% | 1,054 |
| Cost of funding earning assets | 0.5499% | 1,701 |
| Net interest margin | 4.1476% | 1,239 |
| Noninterest income to average assets | 1.7531% | 418 |
| Noninterest expense to average assets | 4.6350% | 339 |
| Loan and lease loss provision to assets | 0.0148% | 3,810 |
| Net operating income to assets | 0.6459% | 4,059 |
| Return on assets (ROA) | 0.6459% | 4,204 |
| Pretax return on assets | 0.6778% | 4,687 |
| Return on Equity (ROE) | 7.0435% | 3,516 |
| Retained earnings to average equity (ytd only) | 7.0435% | 1,578 |
| Net charge-offs to loans | 0.0011% | 3,666 |
| Credit loss provision to net charge-offs | 2,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 934.0000% | 52 |
| Efficiency ratio | 86.7622% | 813 |
| Assets per employee ($millions) | 2.5182% | 5,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7495% | 5,406 |
| Loan loss allowance to noncurrent loans | 151.5593% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 3.3300% | 337 |
| Noncurrent loans to loans | 0.4946% | 3,596 |
| Net loans and leases to total assets | 69.0689% | 2,621 |
| Net loans and leases to deposits | 76.5894% | 3,316 |
| Net loans and leases to core deposits | 88.6932% | 2,666 |
| Total domestic deposits to total assets | 90.1807% | 418 |
| Equity capital to assets | 9.0927% | 5,170 |
| Core capital (leverage) ratio | 8.9806% | 4,848 |
| Tier 1 risk-based capital ratio | 11.1176% | 5,354 |
| Total risk-based capital ratio | 11.7746% | 5,576 |
| Memoranda: | ||
| Average total assets | $269,687,000 | 2,385 |
| Average earning assets | $232,425,330 | 2,513 |
| Average equity | $24,732,000 | 2,770 |
| Average total loans | $189,240,000 | 2,219 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6789% | 1,096 |
| Cost of funding earning assets | 0.5437% | 1,764 |
| Net interest margin | 4.1351% | 1,248 |
| Noninterest income to average assets | 1.7525% | 409 |
| Noninterest expense to average assets | 4.6818% | 342 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5937% | 4,207 |
| Return on assets (ROA) | 0.5937% | 4,319 |
| Pretax return on assets | 0.6209% | 4,756 |
| Return on Equity (ROE) | 6.4453% | 3,755 |
| Retained earnings to average equity (ytd only) | 6.4453% | 2,169 |
| Net charge-offs to loans | 0.0043% | 2,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 205.5000% | 297 |
| Efficiency ratio | 88.0627% | 813 |
| Assets per employee ($millions) | 2.4923% | 5,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7530% | 5,485 |
| Loan loss allowance to noncurrent loans | 218.3891% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 3.5018% | 319 |
| Noncurrent loans to loans | 0.3448% | 4,198 |
| Net loans and leases to total assets | 69.7206% | 2,388 |
| Net loans and leases to deposits | 77.2353% | 3,083 |
| Net loans and leases to core deposits | 88.8979% | 2,469 |
| Total domestic deposits to total assets | 90.2703% | 500 |
| Equity capital to assets | 9.0605% | 5,113 |
| Core capital (leverage) ratio | 8.9927% | 4,869 |
| Tier 1 risk-based capital ratio | 11.1971% | 5,396 |
| Total risk-based capital ratio | 11.8694% | 5,610 |
| Memoranda: | ||
| Average total assets | $264,770,000 | 2,430 |
| Average earning assets | $227,320,000 | 2,571 |
| Average equity | $24,390,000 | 2,796 |
| Average total loans | $186,600,000 | 2,243 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6002% | 1,330 |
| Cost of funding earning assets | 0.5130% | 2,044 |
| Net interest margin | 4.0873% | 1,444 |
| Noninterest income to average assets | 1.7311% | 442 |
| Noninterest expense to average assets | 4.5603% | 395 |
| Loan and lease loss provision to assets | 0.0271% | 3,840 |
| Net operating income to assets | 0.5859% | 4,350 |
| Return on assets (ROA) | 0.5859% | 4,444 |
| Pretax return on assets | 0.6145% | 4,795 |
| Return on Equity (ROE) | 6.3081% | 3,899 |
| Retained earnings to average equity (ytd only) | 3.3954% | 3,635 |
| Net charge-offs to loans | -0.0076% | 5,051 |
| Credit loss provision to net charge-offs | -538.4615% | 5,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4136% | 875 |
| Assets per employee ($millions) | 2.4796% | 5,902 |
| Cash dividends to net income (ytd only)* | 46.1741% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7891% | 5,438 |
| Loan loss allowance to noncurrent loans | 94.6088% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 4.0756% | 257 |
| Noncurrent loans to loans | 0.8341% | 2,702 |
| Net loans and leases to total assets | 70.1571% | 2,343 |
| Net loans and leases to deposits | 78.3284% | 3,016 |
| Net loans and leases to core deposits | 86.9899% | 2,699 |
| Total domestic deposits to total assets | 89.5679% | 816 |
| Equity capital to assets | 9.3711% | 4,708 |
| Core capital (leverage) ratio | 9.3201% | 4,445 |
| Tier 1 risk-based capital ratio | 11.4678% | 5,273 |
| Total risk-based capital ratio | 12.1682% | 5,474 |
| Memoranda: | ||
| Average total assets | $258,735,600 | 2,433 |
| Average earning assets | $219,706,600 | 2,588 |
| Average equity | $24,032,600 | 2,781 |
| Average total loans | $171,806,600 | 2,335 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5744% | 1,403 |
| Cost of funding earning assets | 0.5230% | 2,016 |
| Net interest margin | 4.0514% | 1,556 |
| Noninterest income to average assets | 1.7352% | 437 |
| Noninterest expense to average assets | 4.6170% | 380 |
| Loan and lease loss provision to assets | 0.0360% | 3,495 |
| Net operating income to assets | 0.4958% | 4,802 |
| Return on assets (ROA) | 0.4958% | 4,896 |
| Pretax return on assets | 0.5164% | 5,180 |
| Return on Equity (ROE) | 5.3500% | 4,466 |
| Retained earnings to average equity (ytd only) | 5.3500% | 2,683 |
| Net charge-offs to loans | -0.0039% | 4,792 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0637% | 757 |
| Assets per employee ($millions) | 2.4210% | 5,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8282% | 5,445 |
| Loan loss allowance to noncurrent loans | 87.8453% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 4.2985% | 266 |
| Noncurrent loans to loans | 0.9428% | 2,613 |
| Net loans and leases to total assets | 67.4065% | 2,790 |
| Net loans and leases to deposits | 75.2765% | 3,390 |
| Net loans and leases to core deposits | 82.5427% | 3,192 |
| Total domestic deposits to total assets | 89.5451% | 756 |
| Equity capital to assets | 9.6516% | 4,573 |
| Core capital (leverage) ratio | 9.4065% | 4,430 |
| Tier 1 risk-based capital ratio | 12.1143% | 5,017 |
| Total risk-based capital ratio | 12.8388% | 5,255 |
| Memoranda: | ||
| Average total assets | $258,950,250 | 2,452 |
| Average earning assets | $219,507,750 | 2,610 |
| Average equity | $23,999,250 | 2,804 |
| Average total loans | $169,168,750 | 2,375 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5429% | 1,418 |
| Cost of funding earning assets | 0.5288% | 1,992 |
| Net interest margin | 4.0141% | 1,602 |
| Noninterest income to average assets | 1.6766% | 475 |
| Noninterest expense to average assets | 4.5561% | 400 |
| Loan and lease loss provision to assets | 0.0384% | 3,351 |
| Net operating income to assets | 0.4652% | 4,917 |
| Return on assets (ROA) | 0.4652% | 5,015 |
| Pretax return on assets | 0.4852% | 5,268 |
| Return on Equity (ROE) | 5.0880% | 4,582 |
| Retained earnings to average equity (ytd only) | 5.0880% | 2,807 |
| Net charge-offs to loans | -0.0071% | 4,839 |
| Credit loss provision to net charge-offs | -833.3333% | 5,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4363% | 796 |
| Assets per employee ($millions) | 2.3522% | 6,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8261% | 5,536 |
| Loan loss allowance to noncurrent loans | 65.3099% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 4.4081% | 272 |
| Noncurrent loans to loans | 1.2648% | 2,129 |
| Net loans and leases to total assets | 66.1179% | 2,930 |
| Net loans and leases to deposits | 73.5660% | 3,546 |
| Net loans and leases to core deposits | 80.3253% | 3,355 |
| Total domestic deposits to total assets | 89.8757% | 711 |
| Equity capital to assets | 9.3848% | 4,802 |
| Core capital (leverage) ratio | 9.0713% | 4,863 |
| Tier 1 risk-based capital ratio | 12.0096% | 5,145 |
| Total risk-based capital ratio | 12.7293% | 5,395 |
| Memoranda: | ||
| Average total assets | $260,531,330 | 2,452 |
| Average earning assets | $220,872,000 | 2,617 |
| Average equity | $23,820,670 | 2,827 |
| Average total loans | $167,964,000 | 2,394 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3924% | 1,795 |
| Cost of funding earning assets | 0.5313% | 2,001 |
| Net interest margin | 3.8611% | 2,030 |
| Noninterest income to average assets | 1.6100% | 477 |
| Noninterest expense to average assets | 4.5133% | 425 |
| Loan and lease loss provision to assets | 0.0228% | 3,413 |
| Net operating income to assets | 0.3290% | 5,311 |
| Return on assets (ROA) | 0.3290% | 5,420 |
| Pretax return on assets | 0.3397% | 5,558 |
| Return on Equity (ROE) | 3.6456% | 5,128 |
| Retained earnings to average equity (ytd only) | 3.6456% | 3,819 |
| Net charge-offs to loans | -0.0144% | 4,893 |
| Credit loss provision to net charge-offs | -250.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3149% | 690 |
| Assets per employee ($millions) | 2.4850% | 6,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 5,610 |
| Loan loss allowance to noncurrent loans | 69.8630% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 5.0064% | 243 |
| Noncurrent loans to loans | 1.1937% | 2,387 |
| Net loans and leases to total assets | 61.5801% | 3,436 |
| Net loans and leases to deposits | 68.0977% | 3,945 |
| Net loans and leases to core deposits | 74.0029% | 3,774 |
| Total domestic deposits to total assets | 90.4291% | 553 |
| Equity capital to assets | 8.9647% | 5,335 |
| Core capital (leverage) ratio | 8.9501% | 5,013 |
| Tier 1 risk-based capital ratio | 11.9256% | 5,286 |
| Total risk-based capital ratio | 12.6345% | 5,526 |
| Memoranda: | ||
| Average total assets | $262,601,000 | 2,448 |
| Average earning assets | $222,113,000 | 2,621 |
| Average equity | $23,700,000 | 2,862 |
| Average total loans | $166,479,500 | 2,415 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5371% | 1,739 |
| Cost of funding earning assets | 0.5519% | 2,189 |
| Net interest margin | 3.9851% | 1,937 |
| Noninterest income to average assets | 1.5869% | 503 |
| Noninterest expense to average assets | 4.4263% | 492 |
| Loan and lease loss provision to assets | 0.0077% | 4,475 |
| Net operating income to assets | 0.5055% | 4,794 |
| Return on assets (ROA) | 0.5347% | 4,743 |
| Pretax return on assets | 0.5636% | 5,062 |
| Return on Equity (ROE) | 5.9204% | 4,188 |
| Retained earnings to average equity (ytd only) | 1.2284% | 5,232 |
| Net charge-offs to loans | 0.1889% | 2,159 |
| Credit loss provision to net charge-offs | 6.3694% | 4,145 |
| Earnings coverage of net charge-offs (x) | 4.4682% | 3,645 |
| Efficiency ratio | 88.8613% | 923 |
| Assets per employee ($millions) | 2.4014% | 6,218 |
| Cash dividends to net income (ytd only)* | 79.2507% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8246% | 5,706 |
| Loan loss allowance to noncurrent loans | 37.8245% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 5.9677% | 198 |
| Noncurrent loans to loans | 2.1800% | 1,227 |
| Net loans and leases to total assets | 64.1834% | 3,200 |
| Net loans and leases to deposits | 71.0641% | 3,782 |
| Net loans and leases to core deposits | 80.3147% | 3,260 |
| Total domestic deposits to total assets | 90.3176% | 607 |
| Equity capital to assets | 9.1021% | 5,174 |
| Core capital (leverage) ratio | 8.9244% | 5,092 |
| Tier 1 risk-based capital ratio | 11.9168% | 5,419 |
| Total risk-based capital ratio | 12.6376% | 5,647 |
| Memoranda: | ||
| Average total assets | $259,561,400 | 2,432 |
| Average earning assets | $220,142,800 | 2,622 |
| Average equity | $23,444,200 | 2,809 |
| Average total loans | $166,256,200 | 2,362 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5232% | 1,789 |
| Cost of funding earning assets | 0.5544% | 2,246 |
| Net interest margin | 3.9688% | 1,970 |
| Noninterest income to average assets | 1.5546% | 523 |
| Noninterest expense to average assets | 4.4686% | 476 |
| Loan and lease loss provision to assets | 0.0103% | 4,215 |
| Net operating income to assets | 0.4158% | 5,190 |
| Return on assets (ROA) | 0.4540% | 5,142 |
| Pretax return on assets | 0.4884% | 5,353 |
| Return on Equity (ROE) | 5.0361% | 4,700 |
| Retained earnings to average equity (ytd only) | -0.0911% | 5,810 |
| Net charge-offs to loans | 0.2436% | 1,577 |
| Credit loss provision to net charge-offs | 6.6007% | 3,742 |
| Earnings coverage of net charge-offs (x) | 2.9406% | 3,787 |
| Efficiency ratio | 90.4504% | 816 |
| Assets per employee ($millions) | 2.3495% | 6,328 |
| Cash dividends to net income (ytd only)* | 101.8097% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 5,779 |
| Loan loss allowance to noncurrent loans | 39.6586% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 5.1978% | 313 |
| Noncurrent loans to loans | 2.1084% | 1,485 |
| Net loans and leases to total assets | 65.7600% | 2,908 |
| Net loans and leases to deposits | 73.2182% | 3,532 |
| Net loans and leases to core deposits | 81.8714% | 3,109 |
| Total domestic deposits to total assets | 89.8137% | 814 |
| Equity capital to assets | 9.2480% | 5,088 |
| Core capital (leverage) ratio | 8.9787% | 5,102 |
| Tier 1 risk-based capital ratio | 12.0178% | 5,471 |
| Total risk-based capital ratio | 12.7601% | 5,715 |
| Memoranda: | ||
| Average total assets | $259,615,250 | 2,453 |
| Average earning assets | $220,548,500 | 2,632 |
| Average equity | $23,403,750 | 2,819 |
| Average total loans | $165,860,000 | 2,384 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4801% | 1,896 |
| Cost of funding earning assets | 0.5521% | 2,332 |
| Net interest margin | 3.9280% | 2,052 |
| Noninterest income to average assets | 1.5186% | 532 |
| Noninterest expense to average assets | 4.4108% | 493 |
| Loan and lease loss provision to assets | 0.0152% | 3,958 |
| Net operating income to assets | 0.4037% | 5,208 |
| Return on assets (ROA) | 0.4604% | 5,039 |
| Pretax return on assets | 0.4947% | 5,287 |
| Return on Equity (ROE) | 5.1502% | 4,606 |
| Retained earnings to average equity (ytd only) | 1.7395% | 5,032 |
| Net charge-offs to loans | 0.3962% | 1,019 |
| Credit loss provision to net charge-offs | 6.0976% | 3,347 |
| Earnings coverage of net charge-offs (x) | 1.7957% | 3,710 |
| Efficiency ratio | 90.4941% | 880 |
| Assets per employee ($millions) | 2.4466% | 6,327 |
| Cash dividends to net income (ytd only)* | 66.2252% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8224% | 5,922 |
| Loan loss allowance to noncurrent loans | 43.8501% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 4.9896% | 364 |
| Noncurrent loans to loans | 1.8755% | 1,831 |
| Net loans and leases to total assets | 63.6574% | 3,129 |
| Net loans and leases to deposits | 70.4157% | 3,767 |
| Net loans and leases to core deposits | 77.8358% | 3,461 |
| Total domestic deposits to total assets | 90.4022% | 620 |
| Equity capital to assets | 9.1035% | 5,202 |
| Core capital (leverage) ratio | 8.7246% | 5,366 |
| Tier 1 risk-based capital ratio | 12.2021% | 5,416 |
| Total risk-based capital ratio | 12.9279% | 5,651 |
| Memoranda: | ||
| Average total assets | $262,355,000 | 2,437 |
| Average earning assets | $223,165,000 | 2,612 |
| Average equity | $23,455,330 | 2,806 |
| Average total loans | $165,576,000 | 2,388 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 2,106 |
| Cost of funding earning assets | 0.5610% | 2,333 |
| Net interest margin | 3.8486% | 2,276 |
| Noninterest income to average assets | 1.4674% | 541 |
| Noninterest expense to average assets | 4.4235% | 491 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2956% | 5,509 |
| Return on assets (ROA) | 0.2956% | 5,551 |
| Pretax return on assets | 0.3199% | 5,670 |
| Return on Equity (ROE) | 3.3364% | 5,337 |
| Retained earnings to average equity (ytd only) | -3.5075% | 6,012 |
| Net charge-offs to loans | 1.3395% | 243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.3816% | 3,356 |
| Efficiency ratio | 93.0010% | 818 |
| Assets per employee ($millions) | 2.4774% | 6,380 |
| Cash dividends to net income (ytd only)* | 205.1282% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6757% | 6,310 |
| Loan loss allowance to noncurrent loans | 23.0817% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 5.5371% | 341 |
| Noncurrent loans to loans | 2.9276% | 1,106 |
| Net loans and leases to total assets | 62.3797% | 3,173 |
| Net loans and leases to deposits | 68.8080% | 3,761 |
| Net loans and leases to core deposits | 77.6887% | 3,234 |
| Total domestic deposits to total assets | 90.6576% | 705 |
| Equity capital to assets | 8.8225% | 5,308 |
| Core capital (leverage) ratio | 8.6529% | 5,454 |
| Tier 1 risk-based capital ratio | 11.9112% | 5,703 |
| Total risk-based capital ratio | 12.5012% | 5,990 |
| Memoranda: | ||
| Average total assets | $263,862,500 | 2,429 |
| Average earning assets | $224,601,500 | 2,611 |
| Average equity | $23,378,500 | 2,808 |
| Average total loans | $165,135,000 | 2,395 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5294% | 2,096 |
| Cost of funding earning assets | 0.8384% | 1,004 |
| Net interest margin | 3.6910% | 3,094 |
| Noninterest income to average assets | 1.7096% | 500 |
| Noninterest expense to average assets | 4.3288% | 614 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5194% | 4,653 |
| Return on assets (ROA) | 0.5194% | 4,782 |
| Pretax return on assets | 0.5590% | 5,010 |
| Return on Equity (ROE) | 5.7952% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.3624% | 2,375 |
| Net charge-offs to loans | 0.0172% | 5,104 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 51.4643% | 777 |
| Efficiency ratio | 88.2778% | 1,185 |
| Assets per employee ($millions) | 2.5014% | 6,404 |
| Cash dividends to net income (ytd only)* | 7.4683% | 4,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 5,443 |
| Loan loss allowance to noncurrent loans | 33.4196% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 5.5315% | 384 |
| Noncurrent loans to loans | 3.0656% | 1,127 |
| Net loans and leases to total assets | 61.7224% | 3,408 |
| Net loans and leases to deposits | 68.1282% | 4,036 |
| Net loans and leases to core deposits | 75.6659% | 3,651 |
| Total domestic deposits to total assets | 90.5975% | 750 |
| Equity capital to assets | 8.8980% | 5,150 |
| Core capital (leverage) ratio | 8.8780% | 5,169 |
| Tier 1 risk-based capital ratio | 12.2427% | 5,462 |
| Total risk-based capital ratio | 13.1368% | 5,624 |
| Memoranda: | ||
| Average total assets | $257,785,800 | 2,456 |
| Average earning assets | $221,971,400 | 2,598 |
| Average equity | $23,105,200 | 2,808 |
| Average total loans | $162,752,400 | 2,383 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 2,104 |
| Cost of funding earning assets | 0.8838% | 890 |
| Net interest margin | 3.6502% | 3,233 |
| Noninterest income to average assets | 1.6821% | 535 |
| Noninterest expense to average assets | 4.3085% | 628 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4895% | 4,842 |
| Return on assets (ROA) | 0.4895% | 5,000 |
| Pretax return on assets | 0.5264% | 5,278 |
| Return on Equity (ROE) | 5.4515% | 4,495 |
| Retained earnings to average equity (ytd only) | 4.8728% | 3,174 |
| Net charge-offs to loans | 0.0295% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 28.1381% | 1,291 |
| Efficiency ratio | 88.8220% | 1,102 |
| Assets per employee ($millions) | 2.5341% | 6,448 |
| Cash dividends to net income (ytd only)* | 10.6157% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 5,643 |
| Loan loss allowance to noncurrent loans | 18.8758% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 5.3564% | 502 |
| Noncurrent loans to loans | 5.3899% | 516 |
| Net loans and leases to total assets | 62.2107% | 3,326 |
| Net loans and leases to deposits | 68.6126% | 3,981 |
| Net loans and leases to core deposits | 76.7007% | 3,540 |
| Total domestic deposits to total assets | 90.6695% | 674 |
| Equity capital to assets | 8.7826% | 5,433 |
| Core capital (leverage) ratio | 8.7784% | 5,443 |
| Tier 1 risk-based capital ratio | 12.2909% | 5,577 |
| Total risk-based capital ratio | 13.2001% | 5,744 |
| Memoranda: | ||
| Average total assets | $256,571,750 | 2,484 |
| Average earning assets | $221,606,250 | 2,612 |
| Average equity | $23,039,000 | 2,848 |
| Average total loans | $162,493,750 | 2,402 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5753% | 1,925 |
| Cost of funding earning assets | 0.9112% | 848 |
| Net interest margin | 3.6641% | 3,108 |
| Noninterest income to average assets | 1.7390% | 553 |
| Noninterest expense to average assets | 4.4439% | 554 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4249% | 5,127 |
| Return on assets (ROA) | 0.4249% | 5,281 |
| Pretax return on assets | 0.4571% | 5,502 |
| Return on Equity (ROE) | 4.6973% | 4,896 |
| Retained earnings to average equity (ytd only) | 3.8306% | 3,860 |
| Net charge-offs to loans | 0.0407% | 4,106 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 17.6667% | 1,594 |
| Efficiency ratio | 90.3695% | 1,034 |
| Assets per employee ($millions) | 2.5338% | 6,469 |
| Cash dividends to net income (ytd only)* | 18.4502% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 5,712 |
| Loan loss allowance to noncurrent loans | 20.2888% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 5.0751% | 603 |
| Noncurrent loans to loans | 5.0741% | 627 |
| Net loans and leases to total assets | 61.5917% | 3,370 |
| Net loans and leases to deposits | 67.9099% | 4,029 |
| Net loans and leases to core deposits | 74.5214% | 3,726 |
| Total domestic deposits to total assets | 90.6962% | 662 |
| Equity capital to assets | 8.7470% | 5,490 |
| Core capital (leverage) ratio | 8.6986% | 5,428 |
| Tier 1 risk-based capital ratio | 12.2899% | 5,628 |
| Total risk-based capital ratio | 13.2181% | 5,762 |
| Memoranda: | ||
| Average total assets | $255,090,330 | 2,507 |
| Average earning assets | $220,137,330 | 2,637 |
| Average equity | $23,077,330 | 2,857 |
| Average total loans | $161,975,330 | 2,412 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7457% | 1,414 |
| Cost of funding earning assets | 0.9488% | 787 |
| Net interest margin | 3.7969% | 2,463 |
| Noninterest income to average assets | 1.7863% | 505 |
| Noninterest expense to average assets | 4.5402% | 515 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4775% | 4,783 |
| Return on assets (ROA) | 0.4775% | 4,950 |
| Pretax return on assets | 0.5156% | 5,208 |
| Return on Equity (ROE) | 5.1892% | 4,469 |
| Retained earnings to average equity (ytd only) | 5.1892% | 3,121 |
| Net charge-offs to loans | -0.0025% | 5,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4572% | 1,189 |
| Assets per employee ($millions) | 2.4876% | 6,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 5,824 |
| Loan loss allowance to noncurrent loans | 18.4142% | 6,376 |
| Noncurrent assets plus other real estate owned to assets | 5.5794% | 610 |
| Noncurrent loans to loans | 5.6600% | 623 |
| Net loans and leases to total assets | 63.2547% | 2,842 |
| Net loans and leases to deposits | 69.9413% | 3,490 |
| Net loans and leases to core deposits | 76.6323% | 3,241 |
| Total domestic deposits to total assets | 90.4397% | 797 |
| Equity capital to assets | 9.0943% | 5,373 |
| Core capital (leverage) ratio | 8.6356% | 5,409 |
| Tier 1 risk-based capital ratio | 12.1808% | 5,803 |
| Total risk-based capital ratio | 13.1270% | 5,954 |
| Memoranda: | ||
| Average total assets | $252,145,500 | 2,559 |
| Average earning assets | $217,125,000 | 2,699 |
| Average equity | $23,202,000 | 2,896 |
| Average total loans | $161,756,000 | 2,426 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8111% | 2,147 |
| Cost of funding earning assets | 1.0612% | 1,071 |
| Net interest margin | 3.7499% | 3,437 |
| Noninterest income to average assets | 1.7517% | 532 |
| Noninterest expense to average assets | 4.4078% | 622 |
| Loan and lease loss provision to assets | 0.0486% | 5,211 |
| Net operating income to assets | 0.4989% | 4,700 |
| Return on assets (ROA) | 0.5319% | 4,824 |
| Pretax return on assets | 0.5673% | 5,087 |
| Return on Equity (ROE) | 5.8761% | 4,235 |
| Retained earnings to average equity (ytd only) | 3.0172% | 4,112 |
| Net charge-offs to loans | 0.0868% | 4,810 |
| Credit loss provision to net charge-offs | 87.1429% | 3,585 |
| Earnings coverage of net charge-offs (x) | 10.4214% | 2,144 |
| Efficiency ratio | 87.9020% | 1,251 |
| Assets per employee ($millions) | 2.4561% | 6,650 |
| Cash dividends to net income (ytd only)* | 48.6527% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 5,688 |
| Loan loss allowance to noncurrent loans | 17.9247% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 5.9243% | 589 |
| Noncurrent loans to loans | 5.9550% | 600 |
| Net loans and leases to total assets | 63.7031% | 2,947 |
| Net loans and leases to deposits | 70.7145% | 3,600 |
| Net loans and leases to core deposits | 76.6974% | 3,439 |
| Total domestic deposits to total assets | 90.0849% | 908 |
| Equity capital to assets | 9.3129% | 5,136 |
| Core capital (leverage) ratio | 8.9002% | 5,041 |
| Tier 1 risk-based capital ratio | 12.0358% | 5,764 |
| Total risk-based capital ratio | 12.9836% | 5,907 |
| Memoranda: | ||
| Average total assets | $251,190,600 | 2,519 |
| Average earning assets | $216,830,600 | 2,646 |
| Average equity | $22,736,200 | 2,877 |
| Average total loans | $161,211,000 | 2,408 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7334% | 2,653 |
| Cost of funding earning assets | 1.0679% | 1,205 |
| Net interest margin | 3.6655% | 3,942 |
| Noninterest income to average assets | 1.7001% | 535 |
| Noninterest expense to average assets | 4.3803% | 613 |
| Loan and lease loss provision to assets | 0.0646% | 4,901 |
| Net operating income to assets | 0.3965% | 5,266 |
| Return on assets (ROA) | 0.4403% | 5,316 |
| Pretax return on assets | 0.4694% | 5,544 |
| Return on Equity (ROE) | 4.8988% | 4,869 |
| Retained earnings to average equity (ytd only) | 1.6604% | 5,501 |
| Net charge-offs to loans | 0.1188% | 4,186 |
| Credit loss provision to net charge-offs | 84.7222% | 3,471 |
| Earnings coverage of net charge-offs (x) | 6.3957% | 2,801 |
| Efficiency ratio | 89.5206% | 1,075 |
| Assets per employee ($millions) | 2.4133% | 6,771 |
| Cash dividends to net income (ytd only)* | 66.1060% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 5,881 |
| Loan loss allowance to noncurrent loans | 16.0897% | 6,577 |
| Noncurrent assets plus other real estate owned to assets | 6.3502% | 612 |
| Noncurrent loans to loans | 6.5401% | 583 |
| Net loans and leases to total assets | 64.3462% | 2,964 |
| Net loans and leases to deposits | 71.3232% | 3,698 |
| Net loans and leases to core deposits | 77.0726% | 3,593 |
| Total domestic deposits to total assets | 90.2178% | 717 |
| Equity capital to assets | 9.1856% | 5,610 |
| Core capital (leverage) ratio | 8.8135% | 5,326 |
| Tier 1 risk-based capital ratio | 11.8534% | 6,021 |
| Total risk-based capital ratio | 12.7990% | 6,174 |
| Memoranda: | ||
| Average total assets | $251,972,000 | 2,538 |
| Average earning assets | $217,738,750 | 2,667 |
| Average equity | $22,644,750 | 2,916 |
| Average total loans | $161,581,250 | 2,434 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7256% | 2,821 |
| Cost of funding earning assets | 1.0752% | 1,331 |
| Net interest margin | 3.6504% | 4,038 |
| Noninterest income to average assets | 1.6768% | 532 |
| Noninterest expense to average assets | 4.3697% | 609 |
| Loan and lease loss provision to assets | 0.0648% | 4,833 |
| Net operating income to assets | 0.3756% | 5,326 |
| Return on assets (ROA) | 0.4409% | 5,300 |
| Pretax return on assets | 0.4694% | 5,519 |
| Return on Equity (ROE) | 4.9420% | 4,832 |
| Retained earnings to average equity (ytd only) | 1.8422% | 5,277 |
| Net charge-offs to loans | 0.1671% | 3,601 |
| Credit loss provision to net charge-offs | 60.7407% | 3,778 |
| Earnings coverage of net charge-offs (x) | 4.3556% | 3,112 |
| Efficiency ratio | 89.9150% | 1,077 |
| Assets per employee ($millions) | 2.4955% | 6,771 |
| Cash dividends to net income (ytd only)* | 62.7240% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 6,003 |
| Loan loss allowance to noncurrent loans | 28.7881% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 4.3322% | 1,153 |
| Noncurrent loans to loans | 3.6143% | 1,585 |
| Net loans and leases to total assets | 63.0174% | 3,230 |
| Net loans and leases to deposits | 69.5843% | 3,956 |
| Net loans and leases to core deposits | 76.0554% | 3,766 |
| Total domestic deposits to total assets | 90.5627% | 628 |
| Equity capital to assets | 8.9885% | 5,711 |
| Core capital (leverage) ratio | 8.5605% | 5,571 |
| Tier 1 risk-based capital ratio | 11.9846% | 5,948 |
| Total risk-based capital ratio | 12.9276% | 6,099 |
| Memoranda: | ||
| Average total assets | $253,104,670 | 2,518 |
| Average earning assets | $218,935,670 | 2,657 |
| Average equity | $22,582,000 | 2,906 |
| Average total loans | $161,558,670 | 2,444 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9161% | 2,180 |
| Cost of funding earning assets | 1.0321% | 1,794 |
| Net interest margin | 3.8840% | 2,988 |
| Noninterest income to average assets | 1.5108% | 630 |
| Noninterest expense to average assets | 4.2313% | 712 |
| Loan and lease loss provision to assets | 0.0899% | 4,234 |
| Net operating income to assets | 0.5173% | 4,750 |
| Return on assets (ROA) | 0.5173% | 4,962 |
| Pretax return on assets | 0.5488% | 5,290 |
| Return on Equity (ROE) | 5.8193% | 4,393 |
| Retained earnings to average equity (ytd only) | 2.2887% | 5,115 |
| Net charge-offs to loans | 0.2172% | 2,839 |
| Credit loss provision to net charge-offs | 64.7727% | 3,019 |
| Earnings coverage of net charge-offs (x) | 4.6023% | 2,547 |
| Efficiency ratio | 86.4313% | 1,438 |
| Assets per employee ($millions) | 2.6041% | 6,740 |
| Cash dividends to net income (ytd only)* | 60.6707% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 6,059 |
| Loan loss allowance to noncurrent loans | 74.9004% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 2.8906% | 2,012 |
| Noncurrent loans to loans | 1.4099% | 3,992 |
| Net loans and leases to total assets | 62.1175% | 3,236 |
| Net loans and leases to deposits | 68.8398% | 3,901 |
| Net loans and leases to core deposits | 75.3180% | 3,707 |
| Total domestic deposits to total assets | 90.2349% | 952 |
| Equity capital to assets | 8.8462% | 5,702 |
| Core capital (leverage) ratio | 8.4290% | 5,703 |
| Tier 1 risk-based capital ratio | 12.0229% | 5,949 |
| Total risk-based capital ratio | 12.9861% | 6,117 |
| Memoranda: | ||
| Average total assets | $253,635,500 | 2,532 |
| Average earning assets | $219,360,500 | 2,658 |
| Average equity | $22,545,500 | 2,904 |
| Average total loans | $162,087,500 | 2,451 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2908% | 1,732 |
| Cost of funding earning assets | 1.3471% | 1,254 |
| Net interest margin | 3.9436% | 3,143 |
| Noninterest income to average assets | 1.5431% | 556 |
| Noninterest expense to average assets | 4.2385% | 772 |
| Loan and lease loss provision to assets | 0.1956% | 4,228 |
| Net operating income to assets | 0.4829% | 4,495 |
| Return on assets (ROA) | 0.4829% | 4,705 |
| Pretax return on assets | 0.5148% | 4,948 |
| Return on Equity (ROE) | 5.5145% | 4,122 |
| Retained earnings to average equity (ytd only) | 2.7846% | 4,256 |
| Net charge-offs to loans | 0.1722% | 4,774 |
| Credit loss provision to net charge-offs | 170.4861% | 1,575 |
| Earnings coverage of net charge-offs (x) | 6.1910% | 2,571 |
| Efficiency ratio | 85.1864% | 1,656 |
| Assets per employee ($millions) | 2.5721% | 6,758 |
| Cash dividends to net income (ytd only)* | 49.5050% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 5,995 |
| Loan loss allowance to noncurrent loans | 71.0223% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 2.8500% | 2,121 |
| Noncurrent loans to loans | 1.4797% | 3,934 |
| Net loans and leases to total assets | 64.3613% | 3,103 |
| Net loans and leases to deposits | 71.0451% | 3,944 |
| Net loans and leases to core deposits | 77.5415% | 3,743 |
| Total domestic deposits to total assets | 90.5921% | 668 |
| Equity capital to assets | 8.9322% | 5,633 |
| Core capital (leverage) ratio | 8.3289% | 5,818 |
| Tier 1 risk-based capital ratio | 11.6494% | 6,059 |
| Total risk-based capital ratio | 12.6063% | 6,241 |
| Memoranda: | ||
| Average total assets | $250,985,600 | 2,510 |
| Average earning assets | $216,755,600 | 2,649 |
| Average equity | $21,978,400 | 2,894 |
| Average total loans | $167,251,200 | 2,396 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3461% | 1,693 |
| Cost of funding earning assets | 1.4127% | 1,176 |
| Net interest margin | 3.9334% | 3,217 |
| Noninterest income to average assets | 1.5848% | 525 |
| Noninterest expense to average assets | 4.2560% | 749 |
| Loan and lease loss provision to assets | 0.2132% | 3,889 |
| Net operating income to assets | 0.4791% | 4,638 |
| Return on assets (ROA) | 0.4791% | 4,836 |
| Pretax return on assets | 0.5121% | 5,128 |
| Return on Equity (ROE) | 5.4994% | 4,285 |
| Retained earnings to average equity (ytd only) | 1.8372% | 5,219 |
| Net charge-offs to loans | 0.1991% | 4,206 |
| Credit loss provision to net charge-offs | 159.7610% | 1,929 |
| Earnings coverage of net charge-offs (x) | 5.4342% | 2,787 |
| Efficiency ratio | 84.9792% | 1,639 |
| Assets per employee ($millions) | 2.6226% | 6,752 |
| Cash dividends to net income (ytd only)* | 66.5929% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 6,224 |
| Loan loss allowance to noncurrent loans | 48.2241% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 3.2021% | 1,993 |
| Noncurrent loans to loans | 2.0922% | 3,255 |
| Net loans and leases to total assets | 65.0790% | 3,090 |
| Net loans and leases to deposits | 71.8819% | 4,009 |
| Net loans and leases to core deposits | 78.1397% | 3,884 |
| Total domestic deposits to total assets | 90.5360% | 619 |
| Equity capital to assets | 8.8063% | 5,976 |
| Core capital (leverage) ratio | 8.1436% | 6,217 |
| Tier 1 risk-based capital ratio | 11.2808% | 6,379 |
| Total risk-based capital ratio | 12.1930% | 6,551 |
| Memoranda: | ||
| Average total assets | $250,715,500 | 2,521 |
| Average earning assets | $216,501,750 | 2,665 |
| Average equity | $21,844,250 | 2,900 |
| Average total loans | $168,075,000 | 2,408 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3306% | 1,785 |
| Cost of funding earning assets | 1.4659% | 1,137 |
| Net interest margin | 3.8647% | 3,469 |
| Noninterest income to average assets | 1.5641% | 525 |
| Noninterest expense to average assets | 4.1915% | 840 |
| Loan and lease loss provision to assets | 0.1965% | 3,965 |
| Net operating income to assets | 0.4793% | 4,597 |
| Return on assets (ROA) | 0.4793% | 4,741 |
| Pretax return on assets | 0.5121% | 5,023 |
| Return on Equity (ROE) | 5.5210% | 4,205 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,830 |
| Net charge-offs to loans | 0.2948% | 3,401 |
| Credit loss provision to net charge-offs | 98.7952% | 3,199 |
| Earnings coverage of net charge-offs (x) | 3.5622% | 3,133 |
| Efficiency ratio | 85.0668% | 1,696 |
| Assets per employee ($millions) | 2.5214% | 6,886 |
| Cash dividends to net income (ytd only)* | 100.0000% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9227% | 6,595 |
| Loan loss allowance to noncurrent loans | 37.9345% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 3.5281% | 1,861 |
| Noncurrent loans to loans | 2.4322% | 2,954 |
| Net loans and leases to total assets | 64.6059% | 3,342 |
| Net loans and leases to deposits | 71.1428% | 4,268 |
| Net loans and leases to core deposits | 77.2053% | 4,163 |
| Total domestic deposits to total assets | 90.8116% | 582 |
| Equity capital to assets | 8.6006% | 6,055 |
| Core capital (leverage) ratio | 8.0571% | 6,225 |
| Tier 1 risk-based capital ratio | 11.1769% | 6,396 |
| Total risk-based capital ratio | 12.0107% | 6,661 |
| Memoranda: | ||
| Average total assets | $250,362,670 | 2,545 |
| Average earning assets | $216,110,330 | 2,692 |
| Average equity | $21,735,000 | 2,905 |
| Average total loans | $168,926,000 | 2,425 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2472% | 2,061 |
| Cost of funding earning assets | 1.4881% | 1,220 |
| Net interest margin | 3.7591% | 3,805 |
| Noninterest income to average assets | 1.6322% | 502 |
| Noninterest expense to average assets | 4.1480% | 871 |
| Loan and lease loss provision to assets | 0.2293% | 3,360 |
| Net operating income to assets | 0.4714% | 4,612 |
| Return on assets (ROA) | 0.4714% | 4,694 |
| Pretax return on assets | 0.5035% | 5,019 |
| Return on Equity (ROE) | 5.4045% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.4045% | 2,955 |
| Net charge-offs to loans | 0.5468% | 2,128 |
| Credit loss provision to net charge-offs | 61.1111% | 3,530 |
| Earnings coverage of net charge-offs (x) | 1.9530% | 3,335 |
| Efficiency ratio | 84.5269% | 1,894 |
| Assets per employee ($millions) | 2.5637% | 6,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8460% | 6,829 |
| Loan loss allowance to noncurrent loans | 32.9339% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 3.6070% | 1,887 |
| Noncurrent loans to loans | 2.5687% | 2,923 |
| Net loans and leases to total assets | 65.9889% | 3,012 |
| Net loans and leases to deposits | 72.6543% | 3,966 |
| Net loans and leases to core deposits | 78.9780% | 3,892 |
| Total domestic deposits to total assets | 90.8259% | 706 |
| Equity capital to assets | 8.6336% | 5,734 |
| Core capital (leverage) ratio | 8.1693% | 6,017 |
| Tier 1 risk-based capital ratio | 10.9591% | 6,536 |
| Total risk-based capital ratio | 11.7187% | 6,809 |
| Memoranda: | ||
| Average total assets | $249,472,000 | 2,576 |
| Average earning assets | $215,582,500 | 2,715 |
| Average equity | $21,759,500 | 2,899 |
| Average total loans | $171,180,500 | 2,420 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5143% | 2,223 |
| Cost of funding earning assets | 1.7574% | 1,353 |
| Net interest margin | 3.7569% | 4,123 |
| Noninterest income to average assets | 1.5496% | 614 |
| Noninterest expense to average assets | 4.1737% | 927 |
| Loan and lease loss provision to assets | 0.2084% | 5,165 |
| Net operating income to assets | 0.3845% | 4,619 |
| Return on assets (ROA) | 0.3845% | 4,762 |
| Pretax return on assets | 0.4184% | 4,887 |
| Return on Equity (ROE) | 4.4435% | 4,323 |
| Retained earnings to average equity (ytd only) | 4.4435% | 2,749 |
| Net charge-offs to loans | 0.0844% | 5,991 |
| Credit loss provision to net charge-offs | 347.6190% | 744 |
| Earnings coverage of net charge-offs (x) | 10.4558% | 1,699 |
| Efficiency ratio | 86.4424% | 1,646 |
| Assets per employee ($millions) | 2.4513% | 7,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 6,783 |
| Loan loss allowance to noncurrent loans | 38.5689% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 3.2937% | 2,141 |
| Noncurrent loans to loans | 2.2722% | 3,250 |
| Net loans and leases to total assets | 70.1354% | 2,510 |
| Net loans and leases to deposits | 77.3284% | 3,615 |
| Net loans and leases to core deposits | 84.4766% | 3,530 |
| Total domestic deposits to total assets | 90.6981% | 749 |
| Equity capital to assets | 8.8140% | 5,414 |
| Core capital (leverage) ratio | 8.1967% | 5,832 |
| Tier 1 risk-based capital ratio | 10.6241% | 6,622 |
| Total risk-based capital ratio | 11.4193% | 6,868 |
| Memoranda: | ||
| Average total assets | $245,224,400 | 2,595 |
| Average earning assets | $212,193,800 | 2,725 |
| Average equity | $21,222,200 | 2,978 |
| Average total loans | $174,236,800 | 2,415 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3389% | 3,171 |
| Cost of funding earning assets | 1.8142% | 1,365 |
| Net interest margin | 3.5247% | 5,203 |
| Noninterest income to average assets | 1.7750% | 463 |
| Noninterest expense to average assets | 4.1796% | 853 |
| Loan and lease loss provision to assets | 0.1789% | 5,254 |
| Net operating income to assets | 0.4328% | 4,617 |
| Return on assets (ROA) | 0.4328% | 4,796 |
| Pretax return on assets | 0.4670% | 5,022 |
| Return on Equity (ROE) | 5.0237% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.0237% | 2,975 |
| Net charge-offs to loans | 0.1085% | 5,451 |
| Credit loss provision to net charge-offs | 231.6901% | 1,477 |
| Earnings coverage of net charge-offs (x) | 8.3661% | 2,176 |
| Efficiency ratio | 86.1311% | 1,620 |
| Assets per employee ($millions) | 2.4050% | 7,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7719% | 7,062 |
| Loan loss allowance to noncurrent loans | 34.7458% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 2.3867% | 2,993 |
| Noncurrent loans to loans | 2.2215% | 3,422 |
| Net loans and leases to total assets | 70.9037% | 2,514 |
| Net loans and leases to deposits | 78.3570% | 3,764 |
| Net loans and leases to core deposits | 85.9465% | 3,663 |
| Total domestic deposits to total assets | 90.4881% | 644 |
| Equity capital to assets | 8.8515% | 5,777 |
| Core capital (leverage) ratio | 8.1457% | 6,128 |
| Tier 1 risk-based capital ratio | 11.1149% | 6,263 |
| Total risk-based capital ratio | 11.8735% | 6,678 |
| Memoranda: | ||
| Average total assets | $245,247,250 | 2,631 |
| Average earning assets | $212,249,000 | 2,765 |
| Average equity | $21,126,250 | 3,031 |
| Average total loans | $174,434,750 | 2,453 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3293% | 3,323 |
| Cost of funding earning assets | 1.8788% | 1,312 |
| Net interest margin | 3.4505% | 5,438 |
| Noninterest income to average assets | 1.8163% | 410 |
| Noninterest expense to average assets | 4.1187% | 898 |
| Loan and lease loss provision to assets | 0.2137% | 4,752 |
| Net operating income to assets | 0.4241% | 4,641 |
| Return on assets (ROA) | 0.4241% | 4,802 |
| Pretax return on assets | 0.4616% | 5,025 |
| Return on Equity (ROE) | 4.9689% | 4,300 |
| Retained earnings to average equity (ytd only) | 4.9689% | 2,920 |
| Net charge-offs to loans | 0.1504% | 4,735 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 6.3206% | 2,475 |
| Efficiency ratio | 85.4202% | 1,778 |
| Assets per employee ($millions) | 2.3949% | 7,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7376% | 7,173 |
| Loan loss allowance to noncurrent loans | 67.5945% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.3986% | 4,377 |
| Noncurrent loans to loans | 1.0913% | 5,138 |
| Net loans and leases to total assets | 70.2070% | 2,853 |
| Net loans and leases to deposits | 77.3832% | 4,102 |
| Net loans and leases to core deposits | 85.0761% | 3,983 |
| Total domestic deposits to total assets | 90.7264% | 591 |
| Equity capital to assets | 8.6270% | 5,980 |
| Core capital (leverage) ratio | 7.9768% | 6,298 |
| Tier 1 risk-based capital ratio | 10.9269% | 6,313 |
| Total risk-based capital ratio | 11.6469% | 6,750 |
| Memoranda: | ||
| Average total assets | $245,225,330 | 2,648 |
| Average earning assets | $211,621,330 | 2,795 |
| Average equity | $20,930,330 | 3,052 |
| Average total loans | $174,150,000 | 2,488 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3767% | 3,160 |
| Cost of funding earning assets | 1.9983% | 1,089 |
| Net interest margin | 3.3783% | 5,677 |
| Noninterest income to average assets | 1.7505% | 420 |
| Noninterest expense to average assets | 4.0835% | 926 |
| Loan and lease loss provision to assets | 0.1881% | 4,619 |
| Net operating income to assets | 0.3730% | 4,964 |
| Return on assets (ROA) | 0.3730% | 5,087 |
| Pretax return on assets | 0.4106% | 5,260 |
| Return on Equity (ROE) | 4.3941% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.3941% | 3,514 |
| Net charge-offs to loans | 0.1264% | 4,209 |
| Credit loss provision to net charge-offs | 209.0909% | 1,785 |
| Earnings coverage of net charge-offs (x) | 6.6545% | 2,190 |
| Efficiency ratio | 86.7226% | 1,715 |
| Assets per employee ($millions) | 2.4070% | 7,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7060% | 7,328 |
| Loan loss allowance to noncurrent loans | 54.7255% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 1.1951% | 4,786 |
| Noncurrent loans to loans | 1.2901% | 4,823 |
| Net loans and leases to total assets | 68.9816% | 3,160 |
| Net loans and leases to deposits | 75.8369% | 4,445 |
| Net loans and leases to core deposits | 84.0333% | 4,193 |
| Total domestic deposits to total assets | 90.9605% | 565 |
| Equity capital to assets | 8.4324% | 6,102 |
| Core capital (leverage) ratio | 7.8093% | 6,490 |
| Tier 1 risk-based capital ratio | 10.9481% | 6,208 |
| Total risk-based capital ratio | 11.6406% | 6,722 |
| Memoranda: | ||
| Average total assets | $244,498,500 | 2,708 |
| Average earning assets | $212,176,500 | 2,852 |
| Average equity | $20,755,000 | 3,097 |
| Average total loans | $173,988,500 | 2,557 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7475% | 2,873 |
| Cost of funding earning assets | 2.4887% | 1,049 |
| Net interest margin | 3.2588% | 5,893 |
| Noninterest income to average assets | 1.7079% | 495 |
| Noninterest expense to average assets | 4.1558% | 1,153 |
| Loan and lease loss provision to assets | 0.1033% | 6,600 |
| Net operating income to assets | 0.2532% | 4,711 |
| Return on assets (ROA) | 0.2577% | 4,777 |
| Pretax return on assets | 0.2871% | 4,797 |
| Return on Equity (ROE) | 3.0617% | 4,473 |
| Retained earnings to average equity (ytd only) | 3.0617% | 3,017 |
| Net charge-offs to loans | 0.0853% | 6,265 |
| Credit loss provision to net charge-offs | 170.8333% | 2,492 |
| Earnings coverage of net charge-offs (x) | 6.3750% | 2,378 |
| Efficiency ratio | 90.9881% | 1,634 |
| Assets per employee ($millions) | 2.3405% | 7,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6578% | 7,457 |
| Loan loss allowance to noncurrent loans | 49.8921% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 1.3374% | 4,422 |
| Noncurrent loans to loans | 1.3184% | 4,720 |
| Net loans and leases to total assets | 72.4191% | 2,658 |
| Net loans and leases to deposits | 81.0999% | 3,775 |
| Net loans and leases to core deposits | 108.8240% | 3,020 |
| Total domestic deposits to total assets | 89.2962% | 1,336 |
| Equity capital to assets | 8.5468% | 5,816 |
| Core capital (leverage) ratio | 7.9105% | 6,316 |
| Tier 1 risk-based capital ratio | 10.6010% | 6,296 |
| Total risk-based capital ratio | 11.2483% | 6,844 |
| Memoranda: | ||
| Average total assets | $238,247,600 | 2,731 |
| Average earning assets | $207,132,200 | 2,872 |
| Average equity | $20,054,200 | 3,188 |
| Average total loans | $168,880,800 | 2,635 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7912% | 2,932 |
| Cost of funding earning assets | 2.5599% | 1,134 |
| Net interest margin | 3.2312% | 5,912 |
| Noninterest income to average assets | 1.7209% | 496 |
| Noninterest expense to average assets | 4.1581% | 1,075 |
| Loan and lease loss provision to assets | 0.0488% | 6,882 |
| Net operating income to assets | 0.2941% | 4,810 |
| Return on assets (ROA) | 0.2829% | 4,956 |
| Pretax return on assets | 0.3115% | 5,026 |
| Return on Equity (ROE) | 3.3739% | 4,632 |
| Retained earnings to average equity (ytd only) | 3.3739% | 3,418 |
| Net charge-offs to loans | 0.1013% | 5,658 |
| Credit loss provision to net charge-offs | 68.5039% | 6,009 |
| Earnings coverage of net charge-offs (x) | 5.2283% | 2,891 |
| Efficiency ratio | 91.2413% | 1,595 |
| Assets per employee ($millions) | 2.2553% | 7,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5955% | 7,588 |
| Loan loss allowance to noncurrent loans | 35.9574% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 2.0029% | 3,342 |
| Noncurrent loans to loans | 1.6561% | 4,156 |
| Net loans and leases to total assets | 71.4785% | 3,160 |
| Net loans and leases to deposits | 79.0665% | 4,551 |
| Net loans and leases to core deposits | 107.4256% | 3,542 |
| Total domestic deposits to total assets | 90.4030% | 619 |
| Equity capital to assets | 8.7330% | 5,905 |
| Core capital (leverage) ratio | 8.0012% | 6,351 |
| Tier 1 risk-based capital ratio | 10.8351% | 6,121 |
| Total risk-based capital ratio | 11.4198% | 6,749 |
| Memoranda: | ||
| Average total assets | $237,541,250 | 2,755 |
| Average earning assets | $206,561,500 | 2,898 |
| Average equity | $19,916,750 | 3,249 |
| Average total loans | $167,166,250 | 2,682 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7986% | 3,049 |
| Cost of funding earning assets | 2.6156% | 1,243 |
| Net interest margin | 3.1830% | 5,974 |
| Noninterest income to average assets | 1.6292% | 558 |
| Noninterest expense to average assets | 4.1424% | 1,140 |
| Loan and lease loss provision to assets | 0.0177% | 7,042 |
| Net operating income to assets | 0.2133% | 5,214 |
| Return on assets (ROA) | 0.2170% | 5,280 |
| Pretax return on assets | 0.2431% | 5,345 |
| Return on Equity (ROE) | 2.6243% | 5,045 |
| Retained earnings to average equity (ytd only) | 2.6243% | 3,868 |
| Net charge-offs to loans | 0.0939% | 5,241 |
| Credit loss provision to net charge-offs | 26.9231% | 6,062 |
| Earnings coverage of net charge-offs (x) | 3.9103% | 3,277 |
| Efficiency ratio | 93.6329% | 1,527 |
| Assets per employee ($millions) | 2.2060% | 7,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6073% | 7,626 |
| Loan loss allowance to noncurrent loans | 45.7604% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 1.6408% | 3,744 |
| Noncurrent loans to loans | 1.3272% | 4,560 |
| Net loans and leases to total assets | 70.7198% | 3,530 |
| Net loans and leases to deposits | 78.0808% | 4,857 |
| Net loans and leases to core deposits | 104.6740% | 3,993 |
| Total domestic deposits to total assets | 90.5726% | 602 |
| Equity capital to assets | 8.4962% | 6,052 |
| Core capital (leverage) ratio | 7.8989% | 6,491 |
| Tier 1 risk-based capital ratio | 10.8147% | 6,065 |
| Total risk-based capital ratio | 11.4103% | 6,689 |
| Memoranda: | ||
| Average total assets | $237,787,000 | 2,773 |
| Average earning assets | $206,913,330 | 2,913 |
| Average equity | $19,662,330 | 3,297 |
| Average total loans | $166,129,000 | 2,728 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8196% | 3,202 |
| Cost of funding earning assets | 2.6870% | 1,309 |
| Net interest margin | 3.1326% | 6,095 |
| Noninterest income to average assets | 1.5487% | 577 |
| Noninterest expense to average assets | 4.0946% | 1,072 |
| Loan and lease loss provision to assets | 0.0134% | 6,677 |
| Net operating income to assets | 0.1458% | 5,835 |
| Return on assets (ROA) | 0.1458% | 6,005 |
| Pretax return on assets | 0.1743% | 6,002 |
| Return on Equity (ROE) | 1.7877% | 5,843 |
| Retained earnings to average equity (ytd only) | 1.7877% | 4,852 |
| Net charge-offs to loans | 0.0847% | 4,319 |
| Credit loss provision to net charge-offs | 22.8571% | 5,043 |
| Earnings coverage of net charge-offs (x) | 3.2000% | 3,248 |
| Efficiency ratio | 95.0685% | 1,379 |
| Assets per employee ($millions) | 2.1819% | 7,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 7,595 |
| Loan loss allowance to noncurrent loans | 56.6955% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 1.2934% | 4,094 |
| Noncurrent loans to loans | 1.1206% | 4,740 |
| Net loans and leases to total assets | 69.0496% | 3,904 |
| Net loans and leases to deposits | 77.1323% | 5,070 |
| Net loans and leases to core deposits | 102.9354% | 4,249 |
| Total domestic deposits to total assets | 89.5210% | 994 |
| Equity capital to assets | 8.3451% | 6,320 |
| Core capital (leverage) ratio | 7.7602% | 6,804 |
| Tier 1 risk-based capital ratio | 10.6156% | 6,277 |
| Total risk-based capital ratio | 11.2235% | 6,855 |
| Memoranda: | ||
| Average total assets | $238,657,000 | 2,782 |
| Average earning assets | $208,260,500 | 2,907 |
| Average equity | $19,466,000 | 3,350 |
| Average total loans | $165,217,500 | 2,766 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5745% | 2,605 |
| Cost of funding earning assets | 3.3434% | 824 |
| Net interest margin | 3.2310% | 6,269 |
| Noninterest income to average assets | 1.7459% | 445 |
| Noninterest expense to average assets | 4.1049% | 1,273 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4708% | 4,866 |
| Return on assets (ROA) | 0.4708% | 4,685 |
| Pretax return on assets | 0.5035% | 4,965 |
| Return on Equity (ROE) | 5.7568% | 4,041 |
| Retained earnings to average equity (ytd only) | 2.1983% | 3,848 |
| Net charge-offs to loans | 0.0826% | 5,587 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 8.9846% | 2,781 |
| Efficiency ratio | 88.5407% | 1,630 |
| Assets per employee ($millions) | 2.2593% | 7,616 |
| Cash dividends to net income (ytd only)* | 61.8132% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6521% | 7,543 |
| Loan loss allowance to noncurrent loans | 55.2308% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 1.2331% | 3,754 |
| Noncurrent loans to loans | 1.1806% | 4,157 |
| Net loans and leases to total assets | 68.5170% | 4,360 |
| Net loans and leases to deposits | 77.9449% | 5,346 |
| Net loans and leases to core deposits | 103.1637% | 4,488 |
| Total domestic deposits to total assets | 87.9045% | 1,511 |
| Equity capital to assets | 7.9692% | 6,890 |
| Core capital (leverage) ratio | 7.5928% | 7,084 |
| Tier 1 risk-based capital ratio | 10.5510% | 6,155 |
| Total risk-based capital ratio | 11.1785% | 6,700 |
| Memoranda: | ||
| Average total assets | $231,966,800 | 2,743 |
| Average earning assets | $205,506,800 | 2,829 |
| Average equity | $18,969,000 | 3,401 |
| Average total loans | $157,393,200 | 2,813 |