Home > Puget Sound Bank > Performance and Condition Ratios
Puget Sound Bank, Performance and Condition Ratios
| 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 | 4.0837% | 3,110 |
| Cost of funding earning assets | 0.1657% | 5,181 |
| Net interest margin | 3.9180% | 2,034 |
| Noninterest income to average assets | 0.1552% | 5,184 |
| Noninterest expense to average assets | 2.2828% | 4,380 |
| Loan and lease loss provision to assets | 0.0548% | 3,133 |
| Net operating income to assets | 0.8668% | 2,885 |
| Return on assets (ROA) | 0.8668% | 2,902 |
| Pretax return on assets | 1.4869% | 1,696 |
| Return on Equity (ROE) | 8.1735% | 2,717 |
| Retained earnings to average equity (ytd only) | 8.1735% | 700 |
| Net charge-offs to loans | 0.0003% | 4,125 |
| Credit loss provision to net charge-offs | 30,100.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 8,465.0000% | 7 |
| Efficiency ratio | 59.5314% | 4,331 |
| Assets per employee ($millions) | 9.5804% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 2,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 69.0431% | 2,677 |
| Net loans and leases to deposits | 77.8487% | 3,129 |
| Net loans and leases to core deposits | 93.9452% | 2,201 |
| Total domestic deposits to total assets | 88.6888% | 1,155 |
| Equity capital to assets | 10.7972% | 2,839 |
| Core capital (leverage) ratio | 10.3356% | 3,035 |
| Tier 1 risk-based capital ratio | 12.3322% | 4,305 |
| Total risk-based capital ratio | 13.3510% | 4,356 |
| Memoranda: | ||
| Average total assets | $549,056,600 | 1,283 |
| Average earning assets | $514,213,000 | 1,270 |
| Average equity | $58,224,800 | 1,349 |
| Average total loans | $378,015,000 | 1,291 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 3,323 |
| Cost of funding earning assets | 0.1633% | 5,234 |
| Net interest margin | 3.8463% | 2,235 |
| Noninterest income to average assets | 0.1444% | 5,287 |
| Noninterest expense to average assets | 2.2929% | 4,317 |
| Loan and lease loss provision to assets | 0.0714% | 2,650 |
| Net operating income to assets | 0.9499% | 2,776 |
| Return on assets (ROA) | 0.9499% | 2,844 |
| Pretax return on assets | 1.3827% | 2,165 |
| Return on Equity (ROE) | 8.9991% | 2,599 |
| Retained earnings to average equity (ytd only) | 8.9991% | 839 |
| Net charge-offs to loans | 0.0004% | 3,790 |
| Credit loss provision to net charge-offs | 29,300.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 5,984.8120% | 7 |
| Efficiency ratio | 61.0179% | 4,040 |
| Assets per employee ($millions) | 9.7606% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 3,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 69.5481% | 2,624 |
| Net loans and leases to deposits | 78.4419% | 3,123 |
| Net loans and leases to core deposits | 91.7068% | 2,472 |
| Total domestic deposits to total assets | 88.6619% | 1,034 |
| Equity capital to assets | 10.7948% | 3,067 |
| Core capital (leverage) ratio | 10.6030% | 2,877 |
| Tier 1 risk-based capital ratio | 12.5561% | 4,282 |
| Total risk-based capital ratio | 13.5990% | 4,318 |
| Memoranda: | ||
| Average total assets | $547,405,000 | 1,297 |
| Average earning assets | $512,720,000 | 1,283 |
| Average equity | $57,782,000 | 1,373 |
| Average total loans | $375,444,250 | 1,306 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9300% | 3,450 |
| Cost of funding earning assets | 0.1615% | 5,262 |
| Net interest margin | 3.7685% | 2,417 |
| Noninterest income to average assets | 0.1510% | 5,306 |
| Noninterest expense to average assets | 2.1976% | 4,565 |
| Loan and lease loss provision to assets | 0.0217% | 3,551 |
| Net operating income to assets | 1.0055% | 2,401 |
| Return on assets (ROA) | 1.0055% | 2,443 |
| Pretax return on assets | 1.4636% | 1,788 |
| Return on Equity (ROE) | 9.5995% | 2,217 |
| Retained earnings to average equity (ytd only) | 9.5995% | 677 |
| Net charge-offs to loans | 0.0005% | 3,502 |
| Credit loss provision to net charge-offs | 5,900.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 4,043.0000% | 7 |
| Efficiency ratio | 59.4813% | 4,400 |
| Assets per employee ($millions) | 9.2933% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 3,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 64.6674% | 3,293 |
| Net loans and leases to deposits | 72.5273% | 3,684 |
| Net loans and leases to core deposits | 84.2188% | 3,042 |
| Total domestic deposits to total assets | 89.1629% | 876 |
| Equity capital to assets | 10.3741% | 3,485 |
| Core capital (leverage) ratio | 10.4906% | 2,928 |
| Tier 1 risk-based capital ratio | 12.8661% | 4,084 |
| Total risk-based capital ratio | 13.9040% | 4,125 |
| Memoranda: | ||
| Average total assets | $544,422,670 | 1,310 |
| Average earning assets | $510,231,000 | 1,295 |
| Average equity | $57,023,670 | 1,386 |
| Average total loans | $370,067,330 | 1,322 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 3,269 |
| Cost of funding earning assets | 0.1578% | 5,315 |
| Net interest margin | 3.7750% | 2,200 |
| Noninterest income to average assets | 0.1658% | 5,280 |
| Noninterest expense to average assets | 2.1133% | 4,817 |
| Loan and lease loss provision to assets | 0.0443% | 2,911 |
| Net operating income to assets | 1.0443% | 2,096 |
| Return on assets (ROA) | 1.0443% | 2,149 |
| Pretax return on assets | 1.5447% | 1,395 |
| Return on Equity (ROE) | 9.9197% | 1,994 |
| Retained earnings to average equity (ytd only) | 9.9197% | 826 |
| Net charge-offs to loans | 0.0011% | 2,924 |
| Credit loss provision to net charge-offs | 5,900.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 2,118.0000% | 13 |
| Efficiency ratio | 56.9605% | 4,838 |
| Assets per employee ($millions) | 9.1253% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 3,104 |
| Loan loss allowance to noncurrent loans | 1,096.7662% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 4,981 |
| Noncurrent loans to loans | 0.1099% | 4,754 |
| Net loans and leases to total assets | 66.0217% | 2,966 |
| Net loans and leases to deposits | 74.1782% | 3,385 |
| Net loans and leases to core deposits | 92.8889% | 2,079 |
| Total domestic deposits to total assets | 89.0042% | 1,140 |
| Equity capital to assets | 10.4148% | 3,277 |
| Core capital (leverage) ratio | 10.5253% | 2,874 |
| Tier 1 risk-based capital ratio | 12.7517% | 4,223 |
| Total risk-based capital ratio | 13.8083% | 4,256 |
| Memoranda: | ||
| Average total assets | $533,187,500 | 1,335 |
| Average earning assets | $499,497,000 | 1,317 |
| Average equity | $56,130,500 | 1,399 |
| Average total loans | $369,599,000 | 1,335 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8833% | 3,635 |
| Cost of funding earning assets | 0.1779% | 5,232 |
| Net interest margin | 3.7054% | 2,668 |
| Noninterest income to average assets | 0.1617% | 5,403 |
| Noninterest expense to average assets | 2.1298% | 4,940 |
| Loan and lease loss provision to assets | 0.1893% | 1,241 |
| Net operating income to assets | 0.9025% | 2,807 |
| Return on assets (ROA) | 0.9106% | 2,879 |
| Pretax return on assets | 1.3232% | 2,203 |
| Return on Equity (ROE) | 8.2640% | 2,803 |
| Retained earnings to average equity (ytd only) | 8.2640% | 768 |
| Net charge-offs to loans | 0.1914% | 1,445 |
| Credit loss provision to net charge-offs | 137.6106% | 1,975 |
| Earnings coverage of net charge-offs (x) | 10.9115% | 2,586 |
| Efficiency ratio | 58.5126% | 4,789 |
| Assets per employee ($millions) | 9.2653% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 3,335 |
| Loan loss allowance to noncurrent loans | 1,079.6526% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 5,027 |
| Noncurrent loans to loans | 0.1080% | 4,803 |
| Net loans and leases to total assets | 71.1096% | 2,321 |
| Net loans and leases to deposits | 80.0831% | 2,879 |
| Net loans and leases to core deposits | 100.6479% | 1,568 |
| Total domestic deposits to total assets | 88.7948% | 1,208 |
| Equity capital to assets | 10.6461% | 2,982 |
| Core capital (leverage) ratio | 10.1392% | 3,317 |
| Tier 1 risk-based capital ratio | 12.4376% | 4,413 |
| Total risk-based capital ratio | 13.4974% | 4,419 |
| Memoranda: | ||
| Average total assets | $492,965,200 | 1,397 |
| Average earning assets | $461,492,000 | 1,378 |
| Average equity | $54,319,800 | 1,417 |
| Average total loans | $354,143,200 | 1,324 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8440% | 3,783 |
| Cost of funding earning assets | 0.1765% | 5,292 |
| Net interest margin | 3.6676% | 2,836 |
| Noninterest income to average assets | 0.1598% | 5,472 |
| Noninterest expense to average assets | 2.1278% | 4,946 |
| Loan and lease loss provision to assets | 0.2247% | 906 |
| Net operating income to assets | 0.8310% | 3,230 |
| Return on assets (ROA) | 0.8373% | 3,328 |
| Pretax return on assets | 1.2508% | 2,618 |
| Return on Equity (ROE) | 7.5304% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.5304% | 1,386 |
| Net charge-offs to loans | 0.2557% | 918 |
| Credit loss provision to net charge-offs | 122.3881% | 2,062 |
| Earnings coverage of net charge-offs (x) | 7.9851% | 2,820 |
| Efficiency ratio | 59.0514% | 4,683 |
| Assets per employee ($millions) | 9.5525% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 3,451 |
| Loan loss allowance to noncurrent loans | 467.1067% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 4,747 |
| Noncurrent loans to loans | 0.2494% | 4,372 |
| Net loans and leases to total assets | 68.5579% | 2,715 |
| Net loans and leases to deposits | 77.1498% | 3,270 |
| Net loans and leases to core deposits | 93.1073% | 2,266 |
| Total domestic deposits to total assets | 88.8634% | 980 |
| Equity capital to assets | 10.6063% | 3,448 |
| Core capital (leverage) ratio | 10.7506% | 2,729 |
| Tier 1 risk-based capital ratio | 12.6857% | 4,349 |
| Total risk-based capital ratio | 13.7570% | 4,371 |
| Memoranda: | ||
| Average total assets | $486,492,000 | 1,417 |
| Average earning assets | $455,550,250 | 1,409 |
| Average equity | $54,090,250 | 1,428 |
| Average total loans | $349,351,750 | 1,342 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8774% | 3,666 |
| Cost of funding earning assets | 0.1755% | 5,364 |
| Net interest margin | 3.7018% | 2,690 |
| Noninterest income to average assets | 0.1537% | 5,539 |
| Noninterest expense to average assets | 2.1676% | 4,918 |
| Loan and lease loss provision to assets | 0.0308% | 3,511 |
| Net operating income to assets | 0.9436% | 2,652 |
| Return on assets (ROA) | 0.9533% | 2,754 |
| Pretax return on assets | 1.4255% | 1,928 |
| Return on Equity (ROE) | 8.4302% | 2,780 |
| Retained earnings to average equity (ytd only) | 8.4302% | 1,035 |
| Net charge-offs to loans | -0.0174% | 4,894 |
| Credit loss provision to net charge-offs | -243.3333% | 4,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8877% | 4,658 |
| Assets per employee ($millions) | 8.9796% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 3,583 |
| Loan loss allowance to noncurrent loans | 931.0421% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 5,128 |
| Noncurrent loans to loans | 0.1246% | 4,941 |
| Net loans and leases to total assets | 76.6107% | 1,397 |
| Net loans and leases to deposits | 87.3640% | 2,087 |
| Net loans and leases to core deposits | 104.1660% | 1,306 |
| Total domestic deposits to total assets | 87.6914% | 1,578 |
| Equity capital to assets | 11.7906% | 2,275 |
| Core capital (leverage) ratio | 11.4981% | 1,995 |
| Tier 1 risk-based capital ratio | 12.8730% | 4,272 |
| Total risk-based capital ratio | 13.9621% | 4,281 |
| Memoranda: | ||
| Average total assets | $473,527,670 | 1,449 |
| Average earning assets | $442,049,330 | 1,448 |
| Average equity | $53,545,670 | 1,440 |
| Average total loans | $344,322,670 | 1,359 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8088% | 3,913 |
| Cost of funding earning assets | 0.1760% | 5,411 |
| Net interest margin | 3.6328% | 2,950 |
| Noninterest income to average assets | 0.1661% | 5,494 |
| Noninterest expense to average assets | 2.1845% | 4,940 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9085% | 2,711 |
| Return on assets (ROA) | 0.9085% | 2,831 |
| Pretax return on assets | 1.3590% | 2,052 |
| Return on Equity (ROE) | 8.2059% | 2,801 |
| Retained earnings to average equity (ytd only) | 8.2059% | 1,374 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4820% | 4,529 |
| Assets per employee ($millions) | 9.8517% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 3,318 |
| Loan loss allowance to noncurrent loans | 908.2040% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 5,199 |
| Noncurrent loans to loans | 0.1352% | 4,935 |
| Net loans and leases to total assets | 69.6567% | 2,398 |
| Net loans and leases to deposits | 78.9573% | 2,901 |
| Net loans and leases to core deposits | 92.6565% | 2,129 |
| Total domestic deposits to total assets | 88.2207% | 1,517 |
| Equity capital to assets | 11.3358% | 2,587 |
| Core capital (leverage) ratio | 10.8708% | 2,548 |
| Tier 1 risk-based capital ratio | 13.4008% | 4,047 |
| Total risk-based capital ratio | 14.5285% | 4,033 |
| Memoranda: | ||
| Average total assets | $476,821,500 | 1,442 |
| Average earning assets | $443,293,000 | 1,443 |
| Average equity | $52,791,000 | 1,454 |
| Average total loans | $335,521,500 | 1,380 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0631% | 3,059 |
| Cost of funding earning assets | 0.1815% | 5,439 |
| Net interest margin | 3.8816% | 2,092 |
| Noninterest income to average assets | 0.1746% | 5,539 |
| Noninterest expense to average assets | 2.2817% | 4,845 |
| Loan and lease loss provision to assets | 0.0240% | 3,904 |
| Net operating income to assets | 0.9764% | 2,482 |
| Return on assets (ROA) | 0.9764% | 2,562 |
| Pretax return on assets | 1.4629% | 1,674 |
| Return on Equity (ROE) | 8.0270% | 2,945 |
| Retained earnings to average equity (ytd only) | 7.8181% | 972 |
| Net charge-offs to loans | 0.0061% | 4,238 |
| Credit loss provision to net charge-offs | 515.0000% | 630 |
| Earnings coverage of net charge-offs (x) | 318.9500% | 222 |
| Efficiency ratio | 60.3414% | 4,865 |
| Assets per employee ($millions) | 9.6096% | 307 |
| Cash dividends to net income (ytd only)* | 2.6021% | 4,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 3,396 |
| Loan loss allowance to noncurrent loans | 858.7002% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 5,214 |
| Noncurrent loans to loans | 0.1413% | 4,926 |
| Net loans and leases to total assets | 69.4007% | 2,469 |
| Net loans and leases to deposits | 78.3210% | 3,017 |
| Net loans and leases to core deposits | 91.4711% | 2,275 |
| Total domestic deposits to total assets | 88.6106% | 1,328 |
| Equity capital to assets | 10.7594% | 3,066 |
| Core capital (leverage) ratio | 10.5205% | 2,906 |
| Tier 1 risk-based capital ratio | 12.9867% | 4,329 |
| Total risk-based capital ratio | 14.1115% | 4,306 |
| Memoranda: | ||
| Average total assets | $429,015,400 | 1,552 |
| Average earning assets | $397,233,800 | 1,541 |
| Average equity | $52,186,400 | 1,425 |
| Average total loans | $326,925,600 | 1,362 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1335% | 2,800 |
| Cost of funding earning assets | 0.1806% | 5,549 |
| Net interest margin | 3.9529% | 1,865 |
| Noninterest income to average assets | 0.1647% | 5,659 |
| Noninterest expense to average assets | 2.3824% | 4,559 |
| Loan and lease loss provision to assets | 0.0317% | 3,604 |
| Net operating income to assets | 0.9423% | 2,747 |
| Return on assets (ROA) | 0.9423% | 2,853 |
| Pretax return on assets | 1.4174% | 1,940 |
| Return on Equity (ROE) | 7.4963% | 3,338 |
| Retained earnings to average equity (ytd only) | 7.3077% | 1,543 |
| Net charge-offs to loans | 0.0485% | 2,922 |
| Credit loss provision to net charge-offs | 83.8983% | 2,551 |
| Earnings coverage of net charge-offs (x) | 38.3304% | 1,285 |
| Efficiency ratio | 61.9617% | 4,577 |
| Assets per employee ($millions) | 9.1253% | 359 |
| Cash dividends to net income (ytd only)* | 2.5160% | 3,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 3,642 |
| Loan loss allowance to noncurrent loans | 885.5876% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 5,352 |
| Noncurrent loans to loans | 0.1358% | 5,088 |
| Net loans and leases to total assets | 71.9313% | 2,069 |
| Net loans and leases to deposits | 82.3205% | 2,607 |
| Net loans and leases to core deposits | 94.4096% | 2,036 |
| Total domestic deposits to total assets | 87.3796% | 1,856 |
| Equity capital to assets | 12.0441% | 2,069 |
| Core capital (leverage) ratio | 11.8954% | 1,746 |
| Tier 1 risk-based capital ratio | 13.9630% | 3,867 |
| Total risk-based capital ratio | 15.0782% | 3,894 |
| Memoranda: | ||
| Average total assets | $416,149,000 | 1,600 |
| Average earning assets | $386,039,500 | 1,591 |
| Average equity | $52,308,750 | 1,430 |
| Average total loans | $324,268,750 | 1,378 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2101% | 2,513 |
| Cost of funding earning assets | 0.1787% | 5,623 |
| Net interest margin | 4.0315% | 1,550 |
| Noninterest income to average assets | 0.1678% | 5,697 |
| Noninterest expense to average assets | 2.4574% | 4,370 |
| Loan and lease loss provision to assets | 0.0144% | 3,835 |
| Net operating income to assets | 0.9638% | 2,569 |
| Return on assets (ROA) | 0.9638% | 2,678 |
| Pretax return on assets | 1.4494% | 1,804 |
| Return on Equity (ROE) | 7.5485% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.3580% | 1,539 |
| Net charge-offs to loans | 0.0267% | 3,143 |
| Credit loss provision to net charge-offs | 67.4419% | 2,497 |
| Earnings coverage of net charge-offs (x) | 68.5581% | 782 |
| Efficiency ratio | 62.4414% | 4,607 |
| Assets per employee ($millions) | 8.8571% | 394 |
| Cash dividends to net income (ytd only)* | 2.5245% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 3,748 |
| Loan loss allowance to noncurrent loans | 456.5068% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 5,044 |
| Noncurrent loans to loans | 0.2644% | 4,721 |
| Net loans and leases to total assets | 76.9859% | 1,220 |
| Net loans and leases to deposits | 88.7023% | 1,755 |
| Net loans and leases to core deposits | 101.7926% | 1,346 |
| Total domestic deposits to total assets | 86.7913% | 2,270 |
| Equity capital to assets | 12.6261% | 1,587 |
| Core capital (leverage) ratio | 12.9310% | 1,193 |
| Tier 1 risk-based capital ratio | 14.0744% | 3,883 |
| Total risk-based capital ratio | 15.2216% | 3,883 |
| Memoranda: | ||
| Average total assets | $402,777,670 | 1,660 |
| Average earning assets | $375,001,000 | 1,645 |
| Average equity | $51,427,330 | 1,459 |
| Average total loans | $321,628,330 | 1,396 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2799% | 2,164 |
| Cost of funding earning assets | 0.1825% | 5,666 |
| Net interest margin | 4.0975% | 1,284 |
| Noninterest income to average assets | 0.1849% | 5,608 |
| Noninterest expense to average assets | 2.4597% | 4,408 |
| Loan and lease loss provision to assets | 0.0296% | 3,295 |
| Net operating income to assets | 1.0000% | 2,274 |
| Return on assets (ROA) | 1.0000% | 2,405 |
| Pretax return on assets | 1.5036% | 1,557 |
| Return on Equity (ROE) | 7.7851% | 3,074 |
| Retained earnings to average equity (ytd only) | 7.5942% | 1,724 |
| Net charge-offs to loans | 0.1086% | 1,655 |
| Credit loss provision to net charge-offs | 33.7209% | 2,240 |
| Earnings coverage of net charge-offs (x) | 17.4535% | 1,521 |
| Efficiency ratio | 61.3712% | 4,907 |
| Assets per employee ($millions) | 8.2388% | 492 |
| Cash dividends to net income (ytd only)* | 2.4515% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 3,730 |
| Loan loss allowance to noncurrent loans | 145.2276% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.6888% | 3,424 |
| Noncurrent loans to loans | 0.8551% | 3,107 |
| Net loans and leases to total assets | 79.5565% | 734 |
| Net loans and leases to deposits | 92.0961% | 1,170 |
| Net loans and leases to core deposits | 107.7910% | 830 |
| Total domestic deposits to total assets | 86.3842% | 2,719 |
| Equity capital to assets | 13.1884% | 1,307 |
| Core capital (leverage) ratio | 12.9533% | 1,170 |
| Tier 1 risk-based capital ratio | 14.2502% | 3,850 |
| Total risk-based capital ratio | 15.4380% | 3,817 |
| Memoranda: | ||
| Average total assets | $391,595,000 | 1,705 |
| Average earning assets | $363,932,500 | 1,688 |
| Average equity | $50,301,500 | 1,491 |
| Average total loans | $316,793,000 | 1,412 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3848% | 2,273 |
| Cost of funding earning assets | 0.1912% | 5,825 |
| Net interest margin | 4.1936% | 1,321 |
| Noninterest income to average assets | 0.1853% | 5,744 |
| Noninterest expense to average assets | 2.6207% | 4,144 |
| Loan and lease loss provision to assets | 0.1695% | 1,540 |
| Net operating income to assets | 0.8919% | 2,919 |
| Return on assets (ROA) | 0.8927% | 2,998 |
| Pretax return on assets | 1.3026% | 2,233 |
| Return on Equity (ROE) | 6.9604% | 3,661 |
| Retained earnings to average equity (ytd only) | 6.7466% | 1,518 |
| Net charge-offs to loans | 0.0464% | 3,900 |
| Credit loss provision to net charge-offs | 446.7153% | 586 |
| Earnings coverage of net charge-offs (x) | 38.7664% | 1,114 |
| Efficiency ratio | 63.7717% | 4,622 |
| Assets per employee ($millions) | 8.2496% | 484 |
| Cash dividends to net income (ytd only)* | 3.0717% | 4,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 3,572 |
| Loan loss allowance to noncurrent loans | 688.3362% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 5,429 |
| Noncurrent loans to loans | 0.1851% | 5,170 |
| Net loans and leases to total assets | 80.2112% | 718 |
| Net loans and leases to deposits | 92.3970% | 1,244 |
| Net loans and leases to core deposits | 101.3481% | 1,290 |
| Total domestic deposits to total assets | 86.8114% | 2,384 |
| Equity capital to assets | 12.4953% | 1,656 |
| Core capital (leverage) ratio | 12.3565% | 1,418 |
| Tier 1 risk-based capital ratio | 13.6847% | 4,306 |
| Total risk-based capital ratio | 14.9347% | 4,242 |
| Memoranda: | ||
| Average total assets | $361,053,600 | 1,802 |
| Average earning assets | $336,323,200 | 1,783 |
| Average equity | $46,304,600 | 1,550 |
| Average total loans | $295,018,400 | 1,450 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3737% | 2,329 |
| Cost of funding earning assets | 0.1950% | 5,871 |
| Net interest margin | 4.1787% | 1,354 |
| Noninterest income to average assets | 0.1746% | 5,873 |
| Noninterest expense to average assets | 2.5971% | 4,205 |
| Loan and lease loss provision to assets | 0.1930% | 1,249 |
| Net operating income to assets | 0.8534% | 3,158 |
| Return on assets (ROA) | 0.8544% | 3,248 |
| Pretax return on assets | 1.2807% | 2,454 |
| Return on Equity (ROE) | 6.6157% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.4001% | 2,166 |
| Net charge-offs to loans | 0.0667% | 3,249 |
| Credit loss provision to net charge-offs | 353.7931% | 798 |
| Earnings coverage of net charge-offs (x) | 26.9860% | 1,468 |
| Efficiency ratio | 63.5355% | 4,624 |
| Assets per employee ($millions) | 8.4901% | 427 |
| Cash dividends to net income (ytd only)* | 3.2583% | 3,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 3,787 |
| Loan loss allowance to noncurrent loans | 669.9828% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 5,573 |
| Noncurrent loans to loans | 0.1901% | 5,337 |
| Net loans and leases to total assets | 79.2376% | 803 |
| Net loans and leases to deposits | 90.9668% | 1,333 |
| Net loans and leases to core deposits | 102.5873% | 1,180 |
| Total domestic deposits to total assets | 87.1061% | 2,259 |
| Equity capital to assets | 12.3115% | 1,820 |
| Core capital (leverage) ratio | 12.2955% | 1,513 |
| Tier 1 risk-based capital ratio | 13.5466% | 4,508 |
| Total risk-based capital ratio | 14.7869% | 4,458 |
| Memoranda: | ||
| Average total assets | $354,384,750 | 1,856 |
| Average earning assets | $330,301,750 | 1,829 |
| Average equity | $45,768,750 | 1,574 |
| Average total loans | $290,019,250 | 1,487 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3539% | 2,368 |
| Cost of funding earning assets | 0.1986% | 5,927 |
| Net interest margin | 4.1553% | 1,366 |
| Noninterest income to average assets | 0.1790% | 5,876 |
| Noninterest expense to average assets | 2.6631% | 4,004 |
| Loan and lease loss provision to assets | 0.1640% | 1,505 |
| Net operating income to assets | 0.8218% | 3,225 |
| Return on assets (ROA) | 0.8234% | 3,316 |
| Pretax return on assets | 1.2336% | 2,527 |
| Return on Equity (ROE) | 6.2674% | 4,015 |
| Retained earnings to average equity (ytd only) | 6.0513% | 2,289 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3055% | 4,470 |
| Assets per employee ($millions) | 7.9392% | 511 |
| Cash dividends to net income (ytd only)* | 3.4483% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 4,022 |
| Loan loss allowance to noncurrent loans | 517.7507% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 5,500 |
| Noncurrent loans to loans | 0.2454% | 5,265 |
| Net loans and leases to total assets | 83.1110% | 372 |
| Net loans and leases to deposits | 97.1461% | 726 |
| Net loans and leases to core deposits | 106.7619% | 851 |
| Total domestic deposits to total assets | 85.5526% | 3,269 |
| Equity capital to assets | 12.9432% | 1,403 |
| Core capital (leverage) ratio | 12.9039% | 1,196 |
| Tier 1 risk-based capital ratio | 13.6841% | 4,466 |
| Total risk-based capital ratio | 14.9312% | 4,416 |
| Memoranda: | ||
| Average total assets | $345,161,000 | 1,893 |
| Average earning assets | $322,238,330 | 1,868 |
| Average equity | $45,346,000 | 1,577 |
| Average total loans | $284,479,670 | 1,503 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3488% | 2,340 |
| Cost of funding earning assets | 0.2046% | 5,953 |
| Net interest margin | 4.1442% | 1,356 |
| Noninterest income to average assets | 0.1934% | 5,800 |
| Noninterest expense to average assets | 2.7142% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8850% | 2,720 |
| Return on assets (ROA) | 0.8882% | 2,776 |
| Pretax return on assets | 1.3305% | 1,994 |
| Return on Equity (ROE) | 6.7085% | 3,629 |
| Retained earnings to average equity (ytd only) | 6.4857% | 2,292 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8613% | 4,386 |
| Assets per employee ($millions) | 7.5324% | 619 |
| Cash dividends to net income (ytd only)* | 3.3201% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 4,256 |
| Loan loss allowance to noncurrent loans | 479.4038% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 5,556 |
| Noncurrent loans to loans | 0.2657% | 5,307 |
| Net loans and leases to total assets | 80.9083% | 466 |
| Net loans and leases to deposits | 103.8547% | 296 |
| Net loans and leases to core deposits | 115.6152% | 417 |
| Total domestic deposits to total assets | 77.9052% | 5,846 |
| Equity capital to assets | 13.3727% | 1,148 |
| Core capital (leverage) ratio | 13.1282% | 1,114 |
| Tier 1 risk-based capital ratio | 14.1240% | 4,239 |
| Total risk-based capital ratio | 15.3405% | 4,215 |
| Memoranda: | ||
| Average total assets | $339,110,500 | 1,934 |
| Average earning assets | $314,754,500 | 1,910 |
| Average equity | $44,898,500 | 1,585 |
| Average total loans | $276,347,000 | 1,550 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4413% | 2,430 |
| Cost of funding earning assets | 0.2087% | 6,240 |
| Net interest margin | 4.2326% | 1,268 |
| Noninterest income to average assets | 0.2063% | 5,848 |
| Noninterest expense to average assets | 2.9093% | 3,343 |
| Loan and lease loss provision to assets | 0.1444% | 2,499 |
| Net operating income to assets | 0.7065% | 3,768 |
| Return on assets (ROA) | 0.7086% | 3,837 |
| Pretax return on assets | 1.1074% | 2,924 |
| Return on Equity (ROE) | 5.3121% | 4,490 |
| Retained earnings to average equity (ytd only) | 5.0691% | 2,545 |
| Net charge-offs to loans | 0.0602% | 4,376 |
| Credit loss provision to net charge-offs | 306.2500% | 745 |
| Earnings coverage of net charge-offs (x) | 26.4792% | 1,295 |
| Efficiency ratio | 69.7984% | 3,869 |
| Assets per employee ($millions) | 7.5392% | 588 |
| Cash dividends to net income (ytd only)* | 4.5749% | 4,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 4,203 |
| Loan loss allowance to noncurrent loans | 479.4038% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 5,631 |
| Noncurrent loans to loans | 0.2685% | 5,380 |
| Net loans and leases to total assets | 79.9890% | 599 |
| Net loans and leases to deposits | 96.6542% | 691 |
| Net loans and leases to core deposits | 103.2677% | 957 |
| Total domestic deposits to total assets | 82.7579% | 4,626 |
| Equity capital to assets | 13.1075% | 1,223 |
| Core capital (leverage) ratio | 13.0890% | 1,109 |
| Tier 1 risk-based capital ratio | 14.2243% | 4,135 |
| Total risk-based capital ratio | 15.4732% | 4,079 |
| Memoranda: | ||
| Average total assets | $305,403,200 | 2,114 |
| Average earning assets | $285,122,000 | 2,075 |
| Average equity | $40,737,000 | 1,717 |
| Average total loans | $239,337,600 | 1,732 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4028% | 2,589 |
| Cost of funding earning assets | 0.2100% | 6,354 |
| Net interest margin | 4.1928% | 1,363 |
| Noninterest income to average assets | 0.2187% | 5,867 |
| Noninterest expense to average assets | 2.9348% | 3,190 |
| Loan and lease loss provision to assets | 0.0795% | 3,469 |
| Net operating income to assets | 0.7234% | 3,737 |
| Return on assets (ROA) | 0.7234% | 3,863 |
| Pretax return on assets | 1.1302% | 2,982 |
| Return on Equity (ROE) | 5.3963% | 4,518 |
| Retained earnings to average equity (ytd only) | 5.1484% | 2,971 |
| Net charge-offs to loans | 0.1562% | 2,986 |
| Credit loss provision to net charge-offs | 65.5556% | 3,167 |
| Earnings coverage of net charge-offs (x) | 9.9778% | 2,414 |
| Efficiency ratio | 70.6826% | 3,645 |
| Assets per employee ($millions) | 7.3821% | 619 |
| Cash dividends to net income (ytd only)* | 4.5932% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 4,711 |
| Loan loss allowance to noncurrent loans | 274.9345% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3525% | 5,353 |
| Noncurrent loans to loans | 0.4496% | 5,075 |
| Net loans and leases to total assets | 77.4386% | 811 |
| Net loans and leases to deposits | 90.1673% | 1,146 |
| Net loans and leases to core deposits | 98.1443% | 1,233 |
| Total domestic deposits to total assets | 85.8832% | 3,329 |
| Equity capital to assets | 13.4882% | 1,118 |
| Core capital (leverage) ratio | 12.9838% | 1,216 |
| Tier 1 risk-based capital ratio | 14.8395% | 3,850 |
| Total risk-based capital ratio | 16.0323% | 3,847 |
| Memoranda: | ||
| Average total assets | $296,938,250 | 2,174 |
| Average earning assets | $278,025,750 | 2,135 |
| Average equity | $39,804,000 | 1,763 |
| Average total loans | $230,444,250 | 1,786 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2079% | 3,337 |
| Cost of funding earning assets | 0.2010% | 6,468 |
| Net interest margin | 4.0069% | 1,833 |
| Noninterest income to average assets | 0.1919% | 6,061 |
| Noninterest expense to average assets | 2.8375% | 3,556 |
| Loan and lease loss provision to assets | 0.0793% | 3,475 |
| Net operating income to assets | 0.7016% | 3,801 |
| Return on assets (ROA) | 0.7016% | 3,974 |
| Pretax return on assets | 1.0450% | 3,313 |
| Return on Equity (ROE) | 5.2459% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.9911% | 3,061 |
| Net charge-offs to loans | 0.2428% | 2,265 |
| Credit loss provision to net charge-offs | 42.2222% | 3,377 |
| Earnings coverage of net charge-offs (x) | 5.9889% | 2,790 |
| Efficiency ratio | 71.6216% | 3,533 |
| Assets per employee ($millions) | 7.4075% | 597 |
| Cash dividends to net income (ytd only)* | 4.8563% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 4,780 |
| Loan loss allowance to noncurrent loans | 179.1521% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 4,910 |
| Noncurrent loans to loans | 0.6927% | 4,549 |
| Net loans and leases to total assets | 77.0752% | 862 |
| Net loans and leases to deposits | 89.7228% | 1,176 |
| Net loans and leases to core deposits | 99.5479% | 1,114 |
| Total domestic deposits to total assets | 85.9037% | 3,423 |
| Equity capital to assets | 13.5622% | 1,102 |
| Core capital (leverage) ratio | 15.0422% | 604 |
| Tier 1 risk-based capital ratio | 15.3172% | 3,587 |
| Total risk-based capital ratio | 16.5208% | 3,568 |
| Memoranda: | ||
| Average total assets | $287,647,330 | 2,237 |
| Average earning assets | $270,632,670 | 2,187 |
| Average equity | $38,468,330 | 1,822 |
| Average total loans | $222,366,670 | 1,838 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2928% | 2,916 |
| Cost of funding earning assets | 0.2126% | 6,519 |
| Net interest margin | 4.0802% | 1,521 |
| Noninterest income to average assets | 0.2028% | 6,026 |
| Noninterest expense to average assets | 2.8331% | 3,591 |
| Loan and lease loss provision to assets | 0.0676% | 3,510 |
| Net operating income to assets | 0.7832% | 3,258 |
| Return on assets (ROA) | 0.7832% | 3,394 |
| Pretax return on assets | 1.1653% | 2,700 |
| Return on Equity (ROE) | 5.9053% | 4,101 |
| Retained earnings to average equity (ytd only) | 5.6283% | 2,880 |
| Net charge-offs to loans | 0.3670% | 1,542 |
| Credit loss provision to net charge-offs | 23.9583% | 2,978 |
| Earnings coverage of net charge-offs (x) | 4.3698% | 2,574 |
| Efficiency ratio | 69.6784% | 4,022 |
| Assets per employee ($millions) | 7.4602% | 614 |
| Cash dividends to net income (ytd only)* | 4.6904% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5198% | 3,738 |
| Loan loss allowance to noncurrent loans | 168.7568% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.6644% | 4,716 |
| Noncurrent loans to loans | 0.9006% | 4,335 |
| Net loans and leases to total assets | 72.6561% | 1,255 |
| Net loans and leases to deposits | 84.1217% | 1,581 |
| Net loans and leases to core deposits | 101.0215% | 890 |
| Total domestic deposits to total assets | 86.3703% | 3,317 |
| Equity capital to assets | 13.1667% | 1,350 |
| Core capital (leverage) ratio | 13.6764% | 882 |
| Tier 1 risk-based capital ratio | 15.3313% | 3,633 |
| Total risk-based capital ratio | 16.5831% | 3,589 |
| Memoranda: | ||
| Average total assets | $272,209,000 | 2,374 |
| Average earning assets | $257,734,500 | 2,307 |
| Average equity | $36,103,000 | 1,955 |
| Average total loans | $209,256,000 | 1,950 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5124% | 3,348 |
| Cost of funding earning assets | 0.3040% | 6,434 |
| Net interest margin | 4.2084% | 1,637 |
| Noninterest income to average assets | 0.1999% | 5,987 |
| Noninterest expense to average assets | 2.6578% | 4,548 |
| Loan and lease loss provision to assets | 0.3901% | 1,671 |
| Net operating income to assets | 0.7572% | 3,477 |
| Return on assets (ROA) | 0.7593% | 3,712 |
| Pretax return on assets | 1.1356% | 3,032 |
| Return on Equity (ROE) | 5.5569% | 4,400 |
| Retained earnings to average equity (ytd only) | 5.2723% | 2,524 |
| Net charge-offs to loans | 0.5682% | 2,022 |
| Credit loss provision to net charge-offs | 88.1100% | 3,548 |
| Earnings coverage of net charge-offs (x) | 3.4392% | 3,725 |
| Efficiency ratio | 63.5783% | 4,970 |
| Assets per employee ($millions) | 7.6683% | 581 |
| Cash dividends to net income (ytd only)* | 5.1216% | 4,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5084% | 3,714 |
| Loan loss allowance to noncurrent loans | 88.4311% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.3656% | 3,352 |
| Noncurrent loans to loans | 1.7057% | 3,059 |
| Net loans and leases to total assets | 78.8497% | 583 |
| Net loans and leases to deposits | 91.9892% | 910 |
| Net loans and leases to core deposits | 115.0280% | 384 |
| Total domestic deposits to total assets | 85.7163% | 3,505 |
| Equity capital to assets | 13.3619% | 1,281 |
| Core capital (leverage) ratio | 13.5586% | 924 |
| Tier 1 risk-based capital ratio | 14.6594% | 3,923 |
| Total risk-based capital ratio | 15.9116% | 3,886 |
| Memoranda: | ||
| Average total assets | $254,569,200 | 2,493 |
| Average earning assets | $240,780,400 | 2,404 |
| Average equity | $34,785,800 | 1,993 |
| Average total loans | $198,330,800 | 2,017 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5346% | 3,499 |
| Cost of funding earning assets | 0.3199% | 6,512 |
| Net interest margin | 4.2147% | 1,693 |
| Noninterest income to average assets | 0.1710% | 6,283 |
| Noninterest expense to average assets | 2.6723% | 4,492 |
| Loan and lease loss provision to assets | 0.2352% | 2,693 |
| Net operating income to assets | 0.8352% | 3,287 |
| Return on assets (ROA) | 0.8352% | 3,530 |
| Pretax return on assets | 1.2504% | 2,786 |
| Return on Equity (ROE) | 6.0761% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.7903% | 2,843 |
| Net charge-offs to loans | 0.5472% | 1,963 |
| Credit loss provision to net charge-offs | 55.5834% | 4,262 |
| Earnings coverage of net charge-offs (x) | 3.5107% | 3,616 |
| Efficiency ratio | 64.2702% | 4,769 |
| Assets per employee ($millions) | 7.7843% | 519 |
| Cash dividends to net income (ytd only)* | 4.7042% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 3,949 |
| Loan loss allowance to noncurrent loans | 125.0932% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.9125% | 4,452 |
| Noncurrent loans to loans | 1.1999% | 4,049 |
| Net loans and leases to total assets | 74.9053% | 1,124 |
| Net loans and leases to deposits | 87.4148% | 1,427 |
| Net loans and leases to core deposits | 111.3615% | 526 |
| Total domestic deposits to total assets | 85.6895% | 3,421 |
| Equity capital to assets | 13.3848% | 1,395 |
| Core capital (leverage) ratio | 13.5445% | 999 |
| Tier 1 risk-based capital ratio | 15.0128% | 3,842 |
| Total risk-based capital ratio | 16.2645% | 3,789 |
| Memoranda: | ||
| Average total assets | $251,114,250 | 2,544 |
| Average earning assets | $237,543,750 | 2,459 |
| Average equity | $34,516,750 | 2,023 |
| Average total loans | $194,197,250 | 2,085 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6593% | 3,098 |
| Cost of funding earning assets | 0.3317% | 6,594 |
| Net interest margin | 4.3276% | 1,399 |
| Noninterest income to average assets | 0.1728% | 6,316 |
| Noninterest expense to average assets | 2.7308% | 4,287 |
| Loan and lease loss provision to assets | 0.2701% | 2,423 |
| Net operating income to assets | 0.8459% | 3,164 |
| Return on assets (ROA) | 0.8459% | 3,432 |
| Pretax return on assets | 1.2668% | 2,660 |
| Return on Equity (ROE) | 6.0969% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.8105% | 2,818 |
| Net charge-offs to loans | 0.8309% | 1,333 |
| Credit loss provision to net charge-offs | 41.7817% | 4,224 |
| Earnings coverage of net charge-offs (x) | 2.3777% | 3,811 |
| Efficiency ratio | 63.9871% | 4,905 |
| Assets per employee ($millions) | 7.4491% | 593 |
| Cash dividends to net income (ytd only)* | 4.6980% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 4,027 |
| Loan loss allowance to noncurrent loans | 152.7807% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.7526% | 4,915 |
| Noncurrent loans to loans | 0.9790% | 4,555 |
| Net loans and leases to total assets | 75.7207% | 1,002 |
| Net loans and leases to deposits | 88.2732% | 1,344 |
| Net loans and leases to core deposits | 112.6874% | 492 |
| Total domestic deposits to total assets | 85.7799% | 3,471 |
| Equity capital to assets | 13.7518% | 1,194 |
| Core capital (leverage) ratio | 14.3221% | 730 |
| Tier 1 risk-based capital ratio | 15.5944% | 3,388 |
| Total risk-based capital ratio | 16.8462% | 3,349 |
| Memoranda: | ||
| Average total assets | $246,597,330 | 2,586 |
| Average earning assets | $233,338,670 | 2,491 |
| Average equity | $34,214,000 | 2,020 |
| Average total loans | $191,840,000 | 2,105 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8355% | 2,503 |
| Cost of funding earning assets | 0.3497% | 6,637 |
| Net interest margin | 4.4857% | 1,040 |
| Noninterest income to average assets | 0.1940% | 6,223 |
| Noninterest expense to average assets | 2.7937% | 4,059 |
| Loan and lease loss provision to assets | 0.3667% | 1,720 |
| Net operating income to assets | 0.8501% | 3,162 |
| Return on assets (ROA) | 0.8501% | 3,399 |
| Pretax return on assets | 1.2727% | 2,641 |
| Return on Equity (ROE) | 6.0991% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.8042% | 3,070 |
| Net charge-offs to loans | 0.6533% | 1,499 |
| Credit loss provision to net charge-offs | 71.7042% | 2,874 |
| Earnings coverage of net charge-offs (x) | 3.2058% | 2,920 |
| Efficiency ratio | 63.0193% | 5,101 |
| Assets per employee ($millions) | 7.1534% | 695 |
| Cash dividends to net income (ytd only)* | 4.8356% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7537% | 3,149 |
| Loan loss allowance to noncurrent loans | 140.1535% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.9938% | 4,510 |
| Noncurrent loans to loans | 1.2513% | 4,243 |
| Net loans and leases to total assets | 78.0303% | 586 |
| Net loans and leases to deposits | 91.7116% | 815 |
| Net loans and leases to core deposits | 114.4392% | 413 |
| Total domestic deposits to total assets | 85.0822% | 3,998 |
| Equity capital to assets | 14.5035% | 863 |
| Core capital (leverage) ratio | 14.0536% | 791 |
| Tier 1 risk-based capital ratio | 15.6666% | 3,355 |
| Total risk-based capital ratio | 16.9211% | 3,325 |
| Memoranda: | ||
| Average total assets | $243,261,500 | 2,629 |
| Average earning assets | $229,884,000 | 2,535 |
| Average equity | $33,906,500 | 2,042 |
| Average total loans | $190,415,500 | 2,123 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8564% | 3,559 |
| Cost of funding earning assets | 0.5090% | 6,491 |
| Net interest margin | 4.3474% | 1,552 |
| Noninterest income to average assets | 0.1656% | 6,307 |
| Noninterest expense to average assets | 2.8369% | 4,210 |
| Loan and lease loss provision to assets | 0.6353% | 1,607 |
| Net operating income to assets | 0.5408% | 4,269 |
| Return on assets (ROA) | 0.5408% | 4,462 |
| Pretax return on assets | 0.8077% | 3,952 |
| Return on Equity (ROE) | 4.2440% | 4,742 |
| Retained earnings to average equity (ytd only) | 3.5892% | 3,667 |
| Net charge-offs to loans | 0.7055% | 2,395 |
| Credit loss provision to net charge-offs | 116.6536% | 2,772 |
| Earnings coverage of net charge-offs (x) | 2.6496% | 3,890 |
| Efficiency ratio | 66.2835% | 4,712 |
| Assets per employee ($millions) | 7.8269% | 505 |
| Cash dividends to net income (ytd only)* | 15.4272% | 3,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7461% | 3,042 |
| Loan loss allowance to noncurrent loans | 110.4351% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 1.2205% | 4,195 |
| Noncurrent loans to loans | 1.5811% | 3,793 |
| Net loans and leases to total assets | 75.8470% | 971 |
| Net loans and leases to deposits | 89.2271% | 1,238 |
| Net loans and leases to core deposits | 110.3798% | 609 |
| Total domestic deposits to total assets | 85.0045% | 3,843 |
| Equity capital to assets | 13.4056% | 1,316 |
| Core capital (leverage) ratio | 13.6490% | 909 |
| Tier 1 risk-based capital ratio | 15.1331% | 3,555 |
| Total risk-based capital ratio | 16.3876% | 3,521 |
| Memoranda: | ||
| Average total assets | $233,738,800 | 2,688 |
| Average earning assets | $221,213,400 | 2,593 |
| Average equity | $29,783,400 | 2,213 |
| Average total loans | $180,434,200 | 2,239 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8555% | 3,759 |
| Cost of funding earning assets | 0.5457% | 6,530 |
| Net interest margin | 4.3098% | 1,681 |
| Noninterest income to average assets | 0.1684% | 6,383 |
| Noninterest expense to average assets | 2.8692% | 4,062 |
| Loan and lease loss provision to assets | 0.9374% | 941 |
| Net operating income to assets | 0.3014% | 5,389 |
| Return on assets (ROA) | 0.3014% | 5,562 |
| Pretax return on assets | 0.4490% | 5,318 |
| Return on Equity (ROE) | 2.3998% | 5,653 |
| Retained earnings to average equity (ytd only) | 1.5629% | 5,355 |
| Net charge-offs to loans | 0.9578% | 1,679 |
| Credit loss provision to net charge-offs | 126.7871% | 2,529 |
| Earnings coverage of net charge-offs (x) | 1.8751% | 4,255 |
| Efficiency ratio | 67.4219% | 4,437 |
| Assets per employee ($millions) | 8.1298% | 449 |
| Cash dividends to net income (ytd only)* | 34.8753% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8439% | 2,795 |
| Loan loss allowance to noncurrent loans | 111.5679% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 1.2866% | 4,239 |
| Noncurrent loans to loans | 1.6527% | 3,817 |
| Net loans and leases to total assets | 76.4127% | 924 |
| Net loans and leases to deposits | 88.7457% | 1,346 |
| Net loans and leases to core deposits | 116.0703% | 493 |
| Total domestic deposits to total assets | 86.1030% | 3,170 |
| Equity capital to assets | 13.4583% | 1,389 |
| Core capital (leverage) ratio | 13.8656% | 933 |
| Tier 1 risk-based capital ratio | 15.0758% | 3,621 |
| Total risk-based capital ratio | 16.3306% | 3,590 |
| Memoranda: | ||
| Average total assets | $229,558,000 | 2,736 |
| Average earning assets | $217,699,750 | 2,654 |
| Average equity | $28,835,250 | 2,280 |
| Average total loans | $177,206,750 | 2,300 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9708% | 3,310 |
| Cost of funding earning assets | 0.5706% | 6,584 |
| Net interest margin | 4.4002% | 1,365 |
| Noninterest income to average assets | 0.1664% | 6,467 |
| Noninterest expense to average assets | 2.9193% | 3,946 |
| Loan and lease loss provision to assets | 0.2740% | 3,198 |
| Net operating income to assets | 0.7732% | 3,186 |
| Return on assets (ROA) | 0.7732% | 3,320 |
| Pretax return on assets | 1.1514% | 2,666 |
| Return on Equity (ROE) | 6.3187% | 3,792 |
| Retained earnings to average equity (ytd only) | 5.4243% | 2,726 |
| Net charge-offs to loans | 0.2717% | 3,526 |
| Credit loss provision to net charge-offs | 131.0638% | 2,332 |
| Earnings coverage of net charge-offs (x) | 6.8170% | 2,329 |
| Efficiency ratio | 67.1923% | 4,665 |
| Assets per employee ($millions) | 6.8299% | 799 |
| Cash dividends to net income (ytd only)* | 14.1542% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8433% | 2,849 |
| Loan loss allowance to noncurrent loans | 77.2152% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.8577% | 3,426 |
| Noncurrent loans to loans | 2.3872% | 2,999 |
| Net loans and leases to total assets | 76.3843% | 1,019 |
| Net loans and leases to deposits | 87.5897% | 1,554 |
| Net loans and leases to core deposits | 121.6617% | 382 |
| Total domestic deposits to total assets | 87.2069% | 2,619 |
| Equity capital to assets | 12.4208% | 1,832 |
| Core capital (leverage) ratio | 12.5460% | 1,338 |
| Tier 1 risk-based capital ratio | 13.7392% | 4,352 |
| Total risk-based capital ratio | 14.9936% | 4,321 |
| Memoranda: | ||
| Average total assets | $224,779,330 | 2,807 |
| Average earning assets | $213,445,670 | 2,719 |
| Average equity | $27,505,670 | 2,348 |
| Average total loans | $172,986,670 | 2,373 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 3,883 |
| Cost of funding earning assets | 0.5923% | 6,632 |
| Net interest margin | 4.2456% | 1,764 |
| Noninterest income to average assets | 0.1622% | 6,566 |
| Noninterest expense to average assets | 2.9634% | 3,800 |
| Loan and lease loss provision to assets | 0.0249% | 5,648 |
| Net operating income to assets | 0.8126% | 2,963 |
| Return on assets (ROA) | 0.8126% | 3,028 |
| Pretax return on assets | 1.2099% | 2,340 |
| Return on Equity (ROE) | 6.6909% | 3,537 |
| Retained earnings to average equity (ytd only) | 5.7958% | 2,756 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5857% | 4,144 |
| Assets per employee ($millions) | 7.0945% | 704 |
| Cash dividends to net income (ytd only)* | 13.3772% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8437% | 2,870 |
| Loan loss allowance to noncurrent loans | 127.8292% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 1.0937% | 4,735 |
| Noncurrent loans to loans | 1.4423% | 4,303 |
| Net loans and leases to total assets | 74.4347% | 1,279 |
| Net loans and leases to deposits | 84.9495% | 1,886 |
| Net loans and leases to core deposits | 119.2825% | 438 |
| Total domestic deposits to total assets | 87.6224% | 2,593 |
| Equity capital to assets | 12.1133% | 1,852 |
| Core capital (leverage) ratio | 12.4796% | 1,331 |
| Tier 1 risk-based capital ratio | 13.3783% | 4,521 |
| Total risk-based capital ratio | 14.6323% | 4,499 |
| Memoranda: | ||
| Average total assets | $224,475,000 | 2,830 |
| Average earning assets | $213,396,000 | 2,740 |
| Average equity | $27,261,000 | 2,354 |
| Average total loans | $171,783,000 | 2,411 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4412% | 6,540 |
| Cost of funding earning assets | 0.7482% | 6,742 |
| Net interest margin | 3.6929% | 4,375 |
| Noninterest income to average assets | 0.1498% | 6,640 |
| Noninterest expense to average assets | 2.5472% | 5,624 |
| Loan and lease loss provision to assets | 0.5143% | 3,093 |
| Net operating income to assets | 0.6159% | 3,604 |
| Return on assets (ROA) | 0.6159% | 3,771 |
| Pretax return on assets | 0.5628% | 4,440 |
| Return on Equity (ROE) | 5.1577% | 4,000 |
| Retained earnings to average equity (ytd only) | 4.2265% | 2,884 |
| Net charge-offs to loans | 0.2995% | 4,521 |
| Credit loss provision to net charge-offs | 249.5595% | 1,151 |
| Earnings coverage of net charge-offs (x) | 5.2269% | 2,679 |
| Efficiency ratio | 70.2818% | 4,120 |
| Assets per employee ($millions) | 7.3976% | 621 |
| Cash dividends to net income (ytd only)* | 18.0545% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8459% | 2,698 |
| Loan loss allowance to noncurrent loans | 123.5455% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 1.1540% | 4,704 |
| Noncurrent loans to loans | 1.4941% | 4,235 |
| Net loans and leases to total assets | 75.8105% | 1,317 |
| Net loans and leases to deposits | 86.6853% | 1,982 |
| Net loans and leases to core deposits | 122.3842% | 463 |
| Total domestic deposits to total assets | 87.4549% | 2,577 |
| Equity capital to assets | 12.1761% | 1,810 |
| Core capital (leverage) ratio | 11.6962% | 1,727 |
| Tier 1 risk-based capital ratio | 13.5996% | 4,134 |
| Total risk-based capital ratio | 14.8538% | 4,097 |
| Memoranda: | ||
| Average total assets | $220,318,000 | 2,861 |
| Average earning assets | $207,287,600 | 2,782 |
| Average equity | $26,310,200 | 2,429 |
| Average total loans | $151,587,000 | 2,744 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2599% | 7,019 |
| Cost of funding earning assets | 0.7752% | 6,831 |
| Net interest margin | 3.4846% | 5,361 |
| Noninterest income to average assets | 0.1516% | 6,777 |
| Noninterest expense to average assets | 2.5130% | 5,668 |
| Loan and lease loss provision to assets | 0.3456% | 3,848 |
| Net operating income to assets | 0.5578% | 4,063 |
| Return on assets (ROA) | 0.5578% | 4,226 |
| Pretax return on assets | 0.5578% | 4,732 |
| Return on Equity (ROE) | 4.6940% | 4,455 |
| Retained earnings to average equity (ytd only) | 3.7552% | 3,819 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5581% | 3,404 |
| Assets per employee ($millions) | 8.3639% | 442 |
| Cash dividends to net income (ytd only)* | 20.0002% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8474% | 2,637 |
| Loan loss allowance to noncurrent loans | 157.5477% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.8288% | 5,438 |
| Noncurrent loans to loans | 1.1726% | 4,903 |
| Net loans and leases to total assets | 69.3774% | 2,886 |
| Net loans and leases to deposits | 78.5518% | 3,724 |
| Net loans and leases to core deposits | 114.0888% | 828 |
| Total domestic deposits to total assets | 88.3206% | 1,781 |
| Equity capital to assets | 11.3788% | 2,620 |
| Core capital (leverage) ratio | 11.4856% | 1,946 |
| Tier 1 risk-based capital ratio | 14.0100% | 3,827 |
| Total risk-based capital ratio | 15.2648% | 3,794 |
| Memoranda: | ||
| Average total assets | $219,915,750 | 2,917 |
| Average earning assets | $206,041,750 | 2,834 |
| Average equity | $26,132,250 | 2,487 |
| Average total loans | $146,631,750 | 2,860 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1793% | 7,200 |
| Cost of funding earning assets | 0.8083% | 6,878 |
| Net interest margin | 3.3710% | 5,752 |
| Noninterest income to average assets | 0.1506% | 6,810 |
| Noninterest expense to average assets | 2.5414% | 5,562 |
| Loan and lease loss provision to assets | 0.2101% | 4,777 |
| Net operating income to assets | 0.5624% | 4,027 |
| Return on assets (ROA) | 0.5624% | 4,177 |
| Pretax return on assets | 0.5624% | 4,694 |
| Return on Equity (ROE) | 4.6610% | 4,457 |
| Retained earnings to average equity (ytd only) | 3.7134% | 3,739 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6900% | 2,954 |
| Assets per employee ($millions) | 8.6837% | 380 |
| Cash dividends to net income (ytd only)* | 20.3306% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8470% | 2,575 |
| Loan loss allowance to noncurrent loans | 335.0617% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 6,557 |
| Noncurrent loans to loans | 0.5512% | 6,147 |
| Net loans and leases to total assets | 61.5141% | 4,777 |
| Net loans and leases to deposits | 69.4657% | 5,356 |
| Net loans and leases to core deposits | 107.1142% | 1,363 |
| Total domestic deposits to total assets | 88.5533% | 1,698 |
| Equity capital to assets | 11.2194% | 2,670 |
| Core capital (leverage) ratio | 12.1965% | 1,542 |
| Tier 1 risk-based capital ratio | 15.3208% | 2,995 |
| Total risk-based capital ratio | 16.5752% | 2,955 |
| Memoranda: | ||
| Average total assets | $215,157,670 | 2,998 |
| Average earning assets | $201,899,330 | 2,921 |
| Average equity | $25,960,330 | 2,495 |
| Average total loans | $140,331,330 | 3,006 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2097% | 7,250 |
| Cost of funding earning assets | 0.8697% | 6,870 |
| Net interest margin | 3.3400% | 5,816 |
| Noninterest income to average assets | 0.1693% | 6,759 |
| Noninterest expense to average assets | 2.5401% | 5,577 |
| Loan and lease loss provision to assets | 0.2044% | 4,455 |
| Net operating income to assets | 0.5645% | 4,058 |
| Return on assets (ROA) | 0.5645% | 4,204 |
| Pretax return on assets | 0.5645% | 4,735 |
| Return on Equity (ROE) | 4.4982% | 4,661 |
| Retained earnings to average equity (ytd only) | 3.5520% | 4,019 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7647% | 3,099 |
| Assets per employee ($millions) | 8.5542% | 412 |
| Cash dividends to net income (ytd only)* | 21.0345% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8468% | 2,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 64.4406% | 4,235 |
| Net loans and leases to deposits | 73.5422% | 4,820 |
| Net loans and leases to core deposits | 121.6425% | 722 |
| Total domestic deposits to total assets | 87.6239% | 2,279 |
| Equity capital to assets | 12.1484% | 1,957 |
| Core capital (leverage) ratio | 12.9053% | 1,245 |
| Tier 1 risk-based capital ratio | 15.7010% | 2,781 |
| Total risk-based capital ratio | 16.9551% | 2,725 |
| Memoranda: | ||
| Average total assets | $205,506,500 | 3,152 |
| Average earning assets | $193,171,500 | 3,086 |
| Average equity | $25,788,000 | 2,528 |
| Average total loans | $137,027,000 | 3,129 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8178% | 6,910 |
| Cost of funding earning assets | 1.2598% | 6,441 |
| Net interest margin | 3.5580% | 4,704 |
| Noninterest income to average assets | 0.0618% | 7,448 |
| Noninterest expense to average assets | 2.7558% | 5,144 |
| Loan and lease loss provision to assets | 0.5147% | 3,802 |
| Net operating income to assets | 0.1225% | 5,138 |
| Return on assets (ROA) | 0.2349% | 4,855 |
| Pretax return on assets | 0.2349% | 4,927 |
| Return on Equity (ROE) | 1.7140% | 5,014 |
| Retained earnings to average equity (ytd only) | 0.8775% | 4,410 |
| Net charge-offs to loans | 0.1377% | 5,840 |
| Credit loss provision to net charge-offs | 487.2340% | 628 |
| Earnings coverage of net charge-offs (x) | 6.0319% | 2,448 |
| Efficiency ratio | 81.2189% | 2,709 |
| Assets per employee ($millions) | 7.5830% | 612 |
| Cash dividends to net income (ytd only)* | 48.8038% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8608% | 2,373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 66.5277% | 4,027 |
| Net loans and leases to deposits | 76.7611% | 4,612 |
| Net loans and leases to core deposits | 129.2957% | 1,317 |
| Total domestic deposits to total assets | 86.6685% | 2,668 |
| Equity capital to assets | 12.9825% | 1,515 |
| Core capital (leverage) ratio | 13.6962% | 1,042 |
| Tier 1 risk-based capital ratio | 16.8412% | 2,190 |
| Total risk-based capital ratio | 18.0962% | 2,165 |
| Memoranda: | ||
| Average total assets | $177,954,400 | 3,472 |
| Average earning assets | $166,611,200 | 3,401 |
| Average equity | $24,387,800 | 2,672 |
| Average total loans | $136,569,000 | 3,145 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 6,730 |
| Cost of funding earning assets | 1.3653% | 6,352 |
| Net interest margin | 3.5966% | 4,493 |
| Noninterest income to average assets | 0.0539% | 7,634 |
| Noninterest expense to average assets | 2.8552% | 4,642 |
| Loan and lease loss provision to assets | 0.6283% | 2,877 |
| Net operating income to assets | -0.0785% | 5,857 |
| Return on assets (ROA) | 0.0439% | 5,652 |
| Pretax return on assets | 0.0439% | 5,620 |
| Return on Equity (ROE) | 0.3155% | 5,681 |
| Retained earnings to average equity (ytd only) | -0.4705% | 5,340 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8535% | 2,318 |
| Assets per employee ($millions) | 7.2481% | 709 |
| Cash dividends to net income (ytd only)* | 249.1184% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8449% | 2,165 |
| Loan loss allowance to noncurrent loans | 77.9697% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.8212% | 3,619 |
| Noncurrent loans to loans | 2.3662% | 3,188 |
| Net loans and leases to total assets | 75.5472% | 2,090 |
| Net loans and leases to deposits | 88.2367% | 2,913 |
| Net loans and leases to core deposits | 150.2387% | 573 |
| Total domestic deposits to total assets | 85.6188% | 2,908 |
| Equity capital to assets | 13.9700% | 1,318 |
| Core capital (leverage) ratio | 14.1019% | 1,068 |
| Tier 1 risk-based capital ratio | 16.0688% | 2,599 |
| Total risk-based capital ratio | 17.3238% | 2,534 |
| Memoranda: | ||
| Average total assets | $173,153,750 | 3,572 |
| Average earning assets | $161,333,000 | 3,522 |
| Average equity | $24,085,750 | 2,739 |
| Average total loans | $137,298,500 | 3,171 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9381% | 6,948 |
| Cost of funding earning assets | 1.4232% | 6,407 |
| Net interest margin | 3.5149% | 4,736 |
| Noninterest income to average assets | 0.0199% | 7,868 |
| Noninterest expense to average assets | 2.9260% | 4,406 |
| Loan and lease loss provision to assets | 0.9773% | 1,729 |
| Net operating income to assets | -0.5831% | 6,638 |
| Return on assets (ROA) | -0.4400% | 6,497 |
| Pretax return on assets | -0.4400% | 6,364 |
| Return on Equity (ROE) | -3.1677% | 6,380 |
| Retained earnings to average equity (ytd only) | -3.8519% | 6,109 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1272% | 2,004 |
| Assets per employee ($millions) | 6.7968% | 845 |
| Cash dividends to net income (ytd only)* | -21.6000% | 7,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8446% | 1,928 |
| Loan loss allowance to noncurrent loans | 78.4545% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.8674% | 3,376 |
| Noncurrent loans to loans | 2.3512% | 3,079 |
| Net loans and leases to total assets | 77.9581% | 1,751 |
| Net loans and leases to deposits | 91.2231% | 2,612 |
| Net loans and leases to core deposits | 148.5652% | 689 |
| Total domestic deposits to total assets | 85.4588% | 3,038 |
| Equity capital to assets | 14.0846% | 1,284 |
| Core capital (leverage) ratio | 14.3873% | 1,046 |
| Tier 1 risk-based capital ratio | 15.4813% | 2,817 |
| Total risk-based capital ratio | 16.7357% | 2,752 |
| Memoranda: | ||
| Average total assets | $170,471,000 | 3,625 |
| Average earning assets | $160,061,670 | 3,562 |
| Average equity | $23,676,330 | 2,793 |
| Average total loans | $136,576,000 | 3,214 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9117% | 7,147 |
| Cost of funding earning assets | 1.5318% | 6,302 |
| Net interest margin | 3.3800% | 5,214 |
| Noninterest income to average assets | 0.2677% | 6,301 |
| Noninterest expense to average assets | 3.0954% | 3,395 |
| Loan and lease loss provision to assets | 0.5928% | 2,124 |
| Net operating income to assets | -0.2295% | 6,596 |
| Return on assets (ROA) | 0.0143% | 6,376 |
| Pretax return on assets | 0.0143% | 6,350 |
| Return on Equity (ROE) | 0.1040% | 6,389 |
| Retained earnings to average equity (ytd only) | -0.2254% | 5,696 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4955% | 1,762 |
| Assets per employee ($millions) | 6.4800% | 971 |
| Cash dividends to net income (ytd only)* | 316.6667% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 3,260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 81.1461% | 1,177 |
| Net loans and leases to deposits | 96.0340% | 1,941 |
| Net loans and leases to core deposits | 148.7585% | 748 |
| Total domestic deposits to total assets | 84.4973% | 3,459 |
| Equity capital to assets | 15.0267% | 1,097 |
| Core capital (leverage) ratio | 15.3008% | 900 |
| Tier 1 risk-based capital ratio | 15.4747% | 2,864 |
| Total risk-based capital ratio | 16.7128% | 2,803 |
| Memoranda: | ||
| Average total assets | $167,347,500 | 3,702 |
| Average earning assets | $157,989,000 | 3,613 |
| Average equity | $23,069,500 | 2,876 |
| Average total loans | $134,686,500 | 3,277 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1156% | 4,957 |
| Cost of funding earning assets | 2.2934% | 5,183 |
| Net interest margin | 3.8223% | 3,927 |
| Noninterest income to average assets | 0.0949% | 7,659 |
| Noninterest expense to average assets | 3.1597% | 3,480 |
| Loan and lease loss provision to assets | 0.2935% | 4,037 |
| Net operating income to assets | 0.2992% | 5,544 |
| Return on assets (ROA) | 0.2992% | 5,358 |
| Pretax return on assets | 0.2992% | 5,515 |
| Return on Equity (ROE) | 2.0511% | 5,603 |
| Retained earnings to average equity (ytd only) | 2.0511% | 3,961 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2055% | 2,032 |
| Assets per employee ($millions) | 6.3929% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 3,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 77.5490% | 2,250 |
| Net loans and leases to deposits | 92.2202% | 3,095 |
| Net loans and leases to core deposits | 137.5822% | 1,403 |
| Total domestic deposits to total assets | 84.0911% | 3,283 |
| Equity capital to assets | 12.5271% | 1,999 |
| Core capital (leverage) ratio | 12.6396% | 1,689 |
| Tier 1 risk-based capital ratio | 12.7035% | 4,289 |
| Total risk-based capital ratio | 13.7921% | 4,313 |
| Memoranda: | ||
| Average total assets | $139,030,800 | 4,101 |
| Average earning assets | $133,035,800 | 3,989 |
| Average equity | $20,281,400 | 3,180 |
| Average total loans | $118,001,800 | 3,508 |