Home > Republic Bank, Inc. > Performance and Condition Ratios
Republic Bank, Inc., Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0699% | 1,358 |
| Cost of funding earning assets | 1.0735% | 1,456 |
| Net interest margin | 3.9964% | 1,953 |
| Noninterest income to average assets | 0.2948% | 3,974 |
| Noninterest expense to average assets | 2.6149% | 3,121 |
| Loan and lease loss provision to assets | 0.0727% | 2,429 |
| Net operating income to assets | 1.0155% | 2,923 |
| Return on assets (ROA) | 1.0155% | 3,001 |
| Pretax return on assets | 1.4501% | 2,117 |
| Return on Equity (ROE) | 9.1777% | 2,813 |
| Retained earnings to average equity (ytd only) | 8.1059% | 1,350 |
| Net charge-offs to loans | -0.0065% | 4,268 |
| Credit loss provision to net charge-offs | -1,277.7778% | 4,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1965% | 3,128 |
| Assets per employee ($millions) | 6.2348% | 1,439 |
| Cash dividends to net income (ytd only)* | 11.6787% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 3,966 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 3,721 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 87.4374% | 122 |
| Net loans and leases to deposits | 111.6225% | 187 |
| Net loans and leases to core deposits | 134.5323% | 248 |
| Total domestic deposits to total assets | 78.3332% | 4,298 |
| Equity capital to assets | 11.3636% | 2,785 |
| Core capital (leverage) ratio | 11.4745% | 2,241 |
| Tier 1 risk-based capital ratio | 12.4651% | 4,167 |
| Total risk-based capital ratio | 13.3549% | 4,260 |
| Memoranda: | ||
| Average total assets | $421,574,000 | 1,674 |
| Average earning assets | $405,392,750 | 1,607 |
| Average equity | $46,648,250 | 1,699 |
| Average total loans | $371,850,750 | 1,362 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0475% | 1,359 |
| Cost of funding earning assets | 1.0732% | 1,404 |
| Net interest margin | 3.9742% | 2,002 |
| Noninterest income to average assets | 0.2842% | 4,041 |
| Noninterest expense to average assets | 3.0025% | 2,001 |
| Loan and lease loss provision to assets | 0.0737% | 2,342 |
| Net operating income to assets | 0.7249% | 3,918 |
| Return on assets (ROA) | 0.7249% | 3,980 |
| Pretax return on assets | 1.0362% | 3,427 |
| Return on Equity (ROE) | 6.6106% | 3,834 |
| Retained earnings to average equity (ytd only) | 5.8520% | 2,351 |
| Net charge-offs to loans | -0.0135% | 4,414 |
| Credit loss provision to net charge-offs | -620.0000% | 4,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0120% | 1,774 |
| Assets per employee ($millions) | 5.7770% | 1,713 |
| Cash dividends to net income (ytd only)* | 11.4754% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9092% | 4,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2134% | 3,719 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 87.1220% | 147 |
| Net loans and leases to deposits | 113.8451% | 148 |
| Net loans and leases to core deposits | 137.2030% | 223 |
| Total domestic deposits to total assets | 76.5267% | 4,620 |
| Equity capital to assets | 11.0733% | 2,972 |
| Core capital (leverage) ratio | 11.2023% | 2,417 |
| Tier 1 risk-based capital ratio | 12.2400% | 4,272 |
| Total risk-based capital ratio | 13.1238% | 4,365 |
| Memoranda: | ||
| Average total assets | $420,776,670 | 1,675 |
| Average earning assets | $405,313,000 | 1,611 |
| Average equity | $46,138,330 | 1,710 |
| Average total loans | $371,086,330 | 1,368 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0330% | 1,254 |
| Cost of funding earning assets | 1.0664% | 1,304 |
| Net interest margin | 3.9667% | 1,960 |
| Noninterest income to average assets | 0.2589% | 4,158 |
| Noninterest expense to average assets | 2.5686% | 3,299 |
| Loan and lease loss provision to assets | 0.0714% | 2,236 |
| Net operating income to assets | 1.0164% | 2,786 |
| Return on assets (ROA) | 1.0164% | 2,828 |
| Pretax return on assets | 1.4456% | 1,938 |
| Return on Equity (ROE) | 9.3156% | 2,666 |
| Retained earnings to average equity (ytd only) | 9.3156% | 1,220 |
| Net charge-offs to loans | -0.0119% | 4,289 |
| Credit loss provision to net charge-offs | -681.8182% | 3,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8698% | 3,398 |
| Assets per employee ($millions) | 5.9687% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 4,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 3,765 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 87.3626% | 126 |
| Net loans and leases to deposits | 113.5442% | 154 |
| Net loans and leases to core deposits | 139.8753% | 188 |
| Total domestic deposits to total assets | 76.9415% | 4,659 |
| Equity capital to assets | 11.1066% | 2,742 |
| Core capital (leverage) ratio | 11.0335% | 2,545 |
| Tier 1 risk-based capital ratio | 12.2666% | 4,317 |
| Total risk-based capital ratio | 13.1329% | 4,432 |
| Memoranda: | ||
| Average total assets | $420,306,000 | 1,685 |
| Average earning assets | $405,480,500 | 1,615 |
| Average equity | $45,858,500 | 1,709 |
| Average total loans | $371,239,500 | 1,370 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8205% | 1,500 |
| Cost of funding earning assets | 0.8222% | 1,426 |
| Net interest margin | 3.9983% | 1,991 |
| Noninterest income to average assets | 0.2203% | 4,599 |
| Noninterest expense to average assets | 2.8110% | 2,652 |
| Loan and lease loss provision to assets | 0.1483% | 1,434 |
| Net operating income to assets | 1.0681% | 2,723 |
| Return on assets (ROA) | 1.0681% | 2,708 |
| Pretax return on assets | 1.1137% | 3,220 |
| Return on Equity (ROE) | 9.8645% | 2,569 |
| Retained earnings to average equity (ytd only) | 8.3221% | 1,111 |
| Net charge-offs to loans | 0.2589% | 747 |
| Credit loss provision to net charge-offs | 64.8069% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.5139% | 3,189 |
| Efficiency ratio | 69.0142% | 2,384 |
| Assets per employee ($millions) | 5.7919% | 1,680 |
| Cash dividends to net income (ytd only)* | 15.6358% | 3,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 4,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 3,756 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 87.7480% | 128 |
| Net loans and leases to deposits | 114.9751% | 156 |
| Net loans and leases to core deposits | 143.1398% | 171 |
| Total domestic deposits to total assets | 76.3192% | 4,714 |
| Equity capital to assets | 10.7172% | 2,960 |
| Core capital (leverage) ratio | 10.8730% | 2,653 |
| Tier 1 risk-based capital ratio | 11.7397% | 4,602 |
| Total risk-based capital ratio | 12.5661% | 4,713 |
| Memoranda: | ||
| Average total assets | $407,189,400 | 1,684 |
| Average earning assets | $392,366,600 | 1,616 |
| Average equity | $44,087,200 | 1,693 |
| Average total loans | $359,950,600 | 1,368 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7457% | 1,559 |
| Cost of funding earning assets | 0.7736% | 1,456 |
| Net interest margin | 3.9721% | 2,045 |
| Noninterest income to average assets | 0.2899% | 4,219 |
| Noninterest expense to average assets | 2.6244% | 3,217 |
| Loan and lease loss provision to assets | 0.1805% | 1,006 |
| Net operating income to assets | 1.3142% | 1,804 |
| Return on assets (ROA) | 1.3142% | 1,808 |
| Pretax return on assets | 1.3115% | 2,574 |
| Return on Equity (ROE) | 12.1055% | 1,754 |
| Retained earnings to average equity (ytd only) | 11.4964% | 556 |
| Net charge-offs to loans | 0.3528% | 460 |
| Credit loss provision to net charge-offs | 57.9003% | 2,772 |
| Earnings coverage of net charge-offs (x) | 4.7858% | 3,020 |
| Efficiency ratio | 63.7539% | 3,226 |
| Assets per employee ($millions) | 5.8517% | 1,608 |
| Cash dividends to net income (ytd only)* | 5.0314% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8432% | 4,485 |
| Loan loss allowance to noncurrent loans | 409.1743% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 2,824 |
| Noncurrent loans to loans | 0.2061% | 3,978 |
| Net loans and leases to total assets | 87.1350% | 177 |
| Net loans and leases to deposits | 118.0583% | 125 |
| Net loans and leases to core deposits | 142.7860% | 190 |
| Total domestic deposits to total assets | 73.8068% | 4,995 |
| Equity capital to assets | 10.7744% | 2,874 |
| Core capital (leverage) ratio | 11.1412% | 2,465 |
| Tier 1 risk-based capital ratio | 11.8339% | 4,584 |
| Total risk-based capital ratio | 12.6469% | 4,732 |
| Memoranda: | ||
| Average total assets | $403,285,250 | 1,705 |
| Average earning assets | $388,499,000 | 1,637 |
| Average equity | $43,780,750 | 1,707 |
| Average total loans | $356,389,500 | 1,379 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6768% | 1,563 |
| Cost of funding earning assets | 0.7314% | 1,462 |
| Net interest margin | 3.9454% | 2,049 |
| Noninterest income to average assets | 0.2910% | 4,233 |
| Noninterest expense to average assets | 2.6340% | 3,209 |
| Loan and lease loss provision to assets | 0.1470% | 1,296 |
| Net operating income to assets | 1.5249% | 1,090 |
| Return on assets (ROA) | 1.5249% | 1,090 |
| Pretax return on assets | 1.3145% | 2,447 |
| Return on Equity (ROE) | 14.0093% | 1,074 |
| Retained earnings to average equity (ytd only) | 13.0843% | 369 |
| Net charge-offs to loans | 0.3673% | 429 |
| Credit loss provision to net charge-offs | 45.2012% | 2,521 |
| Earnings coverage of net charge-offs (x) | 4.4938% | 2,787 |
| Efficiency ratio | 64.3147% | 3,275 |
| Assets per employee ($millions) | 5.5525% | 1,841 |
| Cash dividends to net income (ytd only)* | 6.6028% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8830% | 4,410 |
| Loan loss allowance to noncurrent loans | 263.6667% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 3,578 |
| Noncurrent loans to loans | 0.3349% | 3,497 |
| Net loans and leases to total assets | 87.6230% | 157 |
| Net loans and leases to deposits | 117.2790% | 141 |
| Net loans and leases to core deposits | 141.9647% | 177 |
| Total domestic deposits to total assets | 74.7133% | 4,977 |
| Equity capital to assets | 10.9681% | 2,666 |
| Core capital (leverage) ratio | 11.2397% | 2,310 |
| Tier 1 risk-based capital ratio | 12.0168% | 4,482 |
| Total risk-based capital ratio | 12.8713% | 4,609 |
| Memoranda: | ||
| Average total assets | $397,272,670 | 1,743 |
| Average earning assets | $383,079,000 | 1,674 |
| Average equity | $43,242,670 | 1,731 |
| Average total loans | $351,772,000 | 1,391 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 1,580 |
| Cost of funding earning assets | 0.6942% | 1,473 |
| Net interest margin | 3.9039% | 2,032 |
| Noninterest income to average assets | 0.3174% | 4,031 |
| Noninterest expense to average assets | 2.5958% | 3,343 |
| Loan and lease loss provision to assets | 0.1292% | 1,460 |
| Net operating income to assets | 2.1330% | 274 |
| Return on assets (ROA) | 2.1330% | 275 |
| Pretax return on assets | 1.3620% | 2,140 |
| Return on Equity (ROE) | 19.6737% | 266 |
| Retained earnings to average equity (ytd only) | 18.2665% | 145 |
| Net charge-offs to loans | 0.2720% | 571 |
| Credit loss provision to net charge-offs | 53.5865% | 1,922 |
| Earnings coverage of net charge-offs (x) | 6.1857% | 2,174 |
| Efficiency ratio | 63.5142% | 3,557 |
| Assets per employee ($millions) | 5.3818% | 2,055 |
| Cash dividends to net income (ytd only)* | 7.1531% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 4,085 |
| Loan loss allowance to noncurrent loans | 413.0909% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 4,043 |
| Noncurrent loans to loans | 0.2363% | 3,927 |
| Net loans and leases to total assets | 88.0047% | 133 |
| Net loans and leases to deposits | 113.3379% | 185 |
| Net loans and leases to core deposits | 146.3733% | 150 |
| Total domestic deposits to total assets | 77.6481% | 4,780 |
| Equity capital to assets | 11.0950% | 2,489 |
| Core capital (leverage) ratio | 11.1360% | 2,301 |
| Tier 1 risk-based capital ratio | 12.1180% | 4,488 |
| Total risk-based capital ratio | 13.0646% | 4,552 |
| Memoranda: | ||
| Average total assets | $393,243,500 | 1,766 |
| Average earning assets | $379,727,000 | 1,700 |
| Average equity | $42,635,500 | 1,768 |
| Average total loans | $348,494,500 | 1,402 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 1,355 |
| Cost of funding earning assets | 0.5809% | 1,733 |
| Net interest margin | 4.0478% | 1,595 |
| Noninterest income to average assets | 0.2976% | 4,317 |
| Noninterest expense to average assets | 2.6682% | 3,235 |
| Loan and lease loss provision to assets | 0.1426% | 1,591 |
| Net operating income to assets | 1.3836% | 1,051 |
| Return on assets (ROA) | 1.3836% | 1,070 |
| Pretax return on assets | 1.3836% | 2,044 |
| Return on Equity (ROE) | 13.1587% | 917 |
| Retained earnings to average equity (ytd only) | 5.3583% | 1,895 |
| Net charge-offs to loans | 0.0153% | 3,584 |
| Credit loss provision to net charge-offs | 1,061.5385% | 340 |
| Earnings coverage of net charge-offs (x) | 113.6154% | 591 |
| Efficiency ratio | 63.6140% | 3,663 |
| Assets per employee ($millions) | 5.3920% | 2,058 |
| Cash dividends to net income (ytd only)* | 59.2793% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 3,870 |
| Loan loss allowance to noncurrent loans | 322.1612% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 3,781 |
| Noncurrent loans to loans | 0.3139% | 3,654 |
| Net loans and leases to total assets | 87.4756% | 163 |
| Net loans and leases to deposits | 108.4353% | 310 |
| Net loans and leases to core deposits | 141.5465% | 199 |
| Total domestic deposits to total assets | 80.6708% | 4,201 |
| Equity capital to assets | 10.5895% | 3,063 |
| Core capital (leverage) ratio | 10.4414% | 2,910 |
| Tier 1 risk-based capital ratio | 11.5364% | 4,828 |
| Total risk-based capital ratio | 12.5104% | 4,881 |
| Memoranda: | ||
| Average total assets | $387,114,600 | 1,767 |
| Average earning assets | $372,670,000 | 1,694 |
| Average equity | $40,703,000 | 1,822 |
| Average total loans | $340,728,800 | 1,407 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5962% | 1,379 |
| Cost of funding earning assets | 0.5582% | 1,828 |
| Net interest margin | 4.0380% | 1,575 |
| Noninterest income to average assets | 0.2995% | 4,386 |
| Noninterest expense to average assets | 2.6546% | 3,231 |
| Loan and lease loss provision to assets | 0.1556% | 1,326 |
| Net operating income to assets | 1.3748% | 1,146 |
| Return on assets (ROA) | 1.3748% | 1,162 |
| Pretax return on assets | 1.3748% | 2,197 |
| Return on Equity (ROE) | 13.0996% | 1,034 |
| Retained earnings to average equity (ytd only) | 5.7671% | 2,393 |
| Net charge-offs to loans | -0.0079% | 4,566 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4298% | 3,653 |
| Assets per employee ($millions) | 5.4592% | 1,966 |
| Cash dividends to net income (ytd only)* | 55.9748% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 4,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 4,717 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 87.5905% | 168 |
| Net loans and leases to deposits | 111.0387% | 251 |
| Net loans and leases to core deposits | 142.6454% | 177 |
| Total domestic deposits to total assets | 78.8828% | 4,551 |
| Equity capital to assets | 10.3637% | 3,524 |
| Core capital (leverage) ratio | 10.4716% | 3,019 |
| Tier 1 risk-based capital ratio | 11.3121% | 5,066 |
| Total risk-based capital ratio | 12.2693% | 5,125 |
| Memoranda: | ||
| Average total assets | $385,489,000 | 1,780 |
| Average earning assets | $370,934,000 | 1,716 |
| Average equity | $40,458,250 | 1,852 |
| Average total loans | $338,951,750 | 1,423 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5322% | 1,430 |
| Cost of funding earning assets | 0.5206% | 2,009 |
| Net interest margin | 4.0116% | 1,565 |
| Noninterest income to average assets | 0.3253% | 4,220 |
| Noninterest expense to average assets | 2.6819% | 3,156 |
| Loan and lease loss provision to assets | 0.1448% | 1,409 |
| Net operating income to assets | 1.3564% | 1,158 |
| Return on assets (ROA) | 1.3564% | 1,186 |
| Pretax return on assets | 1.3564% | 2,181 |
| Return on Equity (ROE) | 12.8681% | 1,073 |
| Retained earnings to average equity (ytd only) | 7.0189% | 1,584 |
| Net charge-offs to loans | -0.0173% | 4,720 |
| Credit loss provision to net charge-offs | -951.7241% | 4,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1119% | 3,650 |
| Assets per employee ($millions) | 5.3836% | 1,985 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 4,322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 4,714 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 86.2825% | 253 |
| Net loans and leases to deposits | 111.0350% | 241 |
| Net loans and leases to core deposits | 138.7218% | 196 |
| Total domestic deposits to total assets | 77.7075% | 4,863 |
| Equity capital to assets | 10.4243% | 3,436 |
| Core capital (leverage) ratio | 10.8583% | 2,544 |
| Tier 1 risk-based capital ratio | 11.7375% | 4,814 |
| Total risk-based capital ratio | 12.6909% | 4,891 |
| Memoranda: | ||
| Average total assets | $381,144,000 | 1,802 |
| Average earning assets | $366,533,670 | 1,737 |
| Average equity | $40,177,000 | 1,862 |
| Average total loans | $334,416,670 | 1,438 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5207% | 1,328 |
| Cost of funding earning assets | 0.4995% | 2,090 |
| Net interest margin | 4.0212% | 1,416 |
| Noninterest income to average assets | 0.3785% | 3,820 |
| Noninterest expense to average assets | 2.6790% | 3,220 |
| Loan and lease loss provision to assets | 0.1866% | 906 |
| Net operating income to assets | 1.3837% | 1,031 |
| Return on assets (ROA) | 1.3837% | 1,063 |
| Pretax return on assets | 1.3837% | 1,940 |
| Return on Equity (ROE) | 13.0513% | 988 |
| Retained earnings to average equity (ytd only) | 5.0074% | 2,889 |
| Net charge-offs to loans | -0.0375% | 5,040 |
| Credit loss provision to net charge-offs | -564.5161% | 4,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0457% | 3,981 |
| Assets per employee ($millions) | 5.3312% | 2,042 |
| Cash dividends to net income (ytd only)* | 61.6333% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 4,436 |
| Loan loss allowance to noncurrent loans | 161,200.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 4,684 |
| Noncurrent loans to loans | 0.0006% | 5,281 |
| Net loans and leases to total assets | 86.8191% | 171 |
| Net loans and leases to deposits | 108.1950% | 258 |
| Net loans and leases to core deposits | 135.3942% | 208 |
| Total domestic deposits to total assets | 80.2432% | 4,574 |
| Equity capital to assets | 10.5799% | 3,089 |
| Core capital (leverage) ratio | 10.7292% | 2,663 |
| Tier 1 risk-based capital ratio | 11.9088% | 4,778 |
| Total risk-based capital ratio | 12.8688% | 4,860 |
| Memoranda: | ||
| Average total assets | $375,214,500 | 1,832 |
| Average earning assets | $361,185,500 | 1,770 |
| Average equity | $39,781,500 | 1,873 |
| Average total loans | $330,417,000 | 1,456 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6160% | 1,243 |
| Cost of funding earning assets | 0.4748% | 2,308 |
| Net interest margin | 4.1412% | 1,270 |
| Noninterest income to average assets | 0.3149% | 4,480 |
| Noninterest expense to average assets | 2.8279% | 2,928 |
| Loan and lease loss provision to assets | 0.1205% | 2,049 |
| Net operating income to assets | 1.3730% | 1,059 |
| Return on assets (ROA) | 1.3730% | 1,106 |
| Pretax return on assets | 1.3730% | 2,037 |
| Return on Equity (ROE) | 12.8023% | 1,043 |
| Retained earnings to average equity (ytd only) | 5.3317% | 2,109 |
| Net charge-offs to loans | 0.1700% | 1,601 |
| Credit loss provision to net charge-offs | 79.9263% | 2,975 |
| Earnings coverage of net charge-offs (x) | 9.9042% | 2,709 |
| Efficiency ratio | 65.4392% | 3,686 |
| Assets per employee ($millions) | 5.0947% | 2,292 |
| Cash dividends to net income (ytd only)* | 58.3536% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 4,710 |
| Loan loss allowance to noncurrent loans | 261.9792% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 3,714 |
| Noncurrent loans to loans | 0.3502% | 3,875 |
| Net loans and leases to total assets | 87.6462% | 143 |
| Net loans and leases to deposits | 109.2420% | 245 |
| Net loans and leases to core deposits | 132.2952% | 257 |
| Total domestic deposits to total assets | 80.2313% | 4,522 |
| Equity capital to assets | 10.6251% | 3,007 |
| Core capital (leverage) ratio | 10.7617% | 2,577 |
| Tier 1 risk-based capital ratio | 11.9333% | 4,777 |
| Total risk-based capital ratio | 12.8451% | 4,900 |
| Memoranda: | ||
| Average total assets | $360,087,200 | 1,849 |
| Average earning assets | $348,373,600 | 1,784 |
| Average equity | $38,618,200 | 1,903 |
| Average total loans | $319,379,800 | 1,451 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6310% | 1,232 |
| Cost of funding earning assets | 0.4715% | 2,350 |
| Net interest margin | 4.1595% | 1,230 |
| Noninterest income to average assets | 0.2890% | 4,704 |
| Noninterest expense to average assets | 2.8183% | 2,943 |
| Loan and lease loss provision to assets | 0.1094% | 2,103 |
| Net operating income to assets | 1.3862% | 1,093 |
| Return on assets (ROA) | 1.3862% | 1,150 |
| Pretax return on assets | 1.3862% | 2,090 |
| Return on Equity (ROE) | 12.8941% | 1,088 |
| Retained earnings to average equity (ytd only) | 5.5667% | 2,451 |
| Net charge-offs to loans | 0.0601% | 2,492 |
| Credit loss provision to net charge-offs | 204.8951% | 1,418 |
| Earnings coverage of net charge-offs (x) | 28.0143% | 1,547 |
| Efficiency ratio | 65.3310% | 3,705 |
| Assets per employee ($millions) | 4.8519% | 2,561 |
| Cash dividends to net income (ytd only)* | 56.8273% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 4,372 |
| Loan loss allowance to noncurrent loans | 2,753.7815% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 4,862 |
| Noncurrent loans to loans | 0.0365% | 5,225 |
| Net loans and leases to total assets | 87.4408% | 170 |
| Net loans and leases to deposits | 107.1769% | 334 |
| Net loans and leases to core deposits | 130.2730% | 299 |
| Total domestic deposits to total assets | 81.5855% | 4,083 |
| Equity capital to assets | 10.6351% | 3,421 |
| Core capital (leverage) ratio | 10.6005% | 2,875 |
| Tier 1 risk-based capital ratio | 11.9803% | 4,801 |
| Total risk-based capital ratio | 12.9859% | 4,861 |
| Memoranda: | ||
| Average total assets | $357,131,250 | 1,873 |
| Average earning assets | $345,577,750 | 1,801 |
| Average equity | $38,393,750 | 1,917 |
| Average total loans | $316,978,750 | 1,465 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6330% | 1,196 |
| Cost of funding earning assets | 0.4549% | 2,523 |
| Net interest margin | 4.1781% | 1,162 |
| Noninterest income to average assets | 0.2723% | 4,832 |
| Noninterest expense to average assets | 2.8166% | 2,976 |
| Loan and lease loss provision to assets | 0.0861% | 2,421 |
| Net operating income to assets | 1.4154% | 1,036 |
| Return on assets (ROA) | 1.4154% | 1,085 |
| Pretax return on assets | 1.4154% | 1,968 |
| Return on Equity (ROE) | 13.1166% | 1,005 |
| Retained earnings to average equity (ytd only) | 5.5090% | 2,415 |
| Net charge-offs to loans | -0.0013% | 4,333 |
| Credit loss provision to net charge-offs | -7,600.0000% | 5,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2288% | 3,801 |
| Assets per employee ($millions) | 5.0009% | 2,294 |
| Cash dividends to net income (ytd only)* | 58.0000% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 4,455 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 4,994 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 88.0484% | 133 |
| Net loans and leases to deposits | 110.6261% | 239 |
| Net loans and leases to core deposits | 136.8808% | 214 |
| Total domestic deposits to total assets | 79.5910% | 4,649 |
| Equity capital to assets | 10.5927% | 3,534 |
| Core capital (leverage) ratio | 10.8079% | 2,639 |
| Tier 1 risk-based capital ratio | 11.7458% | 5,009 |
| Total risk-based capital ratio | 12.7471% | 5,044 |
| Memoranda: | ||
| Average total assets | $353,261,000 | 1,894 |
| Average earning assets | $342,068,330 | 1,818 |
| Average equity | $38,119,670 | 1,934 |
| Average total loans | $314,069,000 | 1,473 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5915% | 1,284 |
| Cost of funding earning assets | 0.4419% | 2,668 |
| Net interest margin | 4.1496% | 1,217 |
| Noninterest income to average assets | 0.2971% | 4,599 |
| Noninterest expense to average assets | 2.8316% | 2,951 |
| Loan and lease loss provision to assets | 0.0587% | 2,782 |
| Net operating income to assets | 1.4291% | 981 |
| Return on assets (ROA) | 1.4291% | 1,026 |
| Pretax return on assets | 1.4291% | 1,804 |
| Return on Equity (ROE) | 13.1168% | 1,012 |
| Retained earnings to average equity (ytd only) | 5.7181% | 2,518 |
| Net charge-offs to loans | -0.0013% | 4,087 |
| Credit loss provision to net charge-offs | -5,100.0000% | 5,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5559% | 3,869 |
| Assets per employee ($millions) | 4.9893% | 2,354 |
| Cash dividends to net income (ytd only)* | 56.4061% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 4,500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 5,027 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 88.4544% | 98 |
| Net loans and leases to deposits | 108.6535% | 260 |
| Net loans and leases to core deposits | 140.3997% | 164 |
| Total domestic deposits to total assets | 81.4096% | 4,376 |
| Equity capital to assets | 10.9188% | 3,030 |
| Core capital (leverage) ratio | 10.8736% | 2,543 |
| Tier 1 risk-based capital ratio | 11.9124% | 4,969 |
| Total risk-based capital ratio | 12.9096% | 5,045 |
| Memoranda: | ||
| Average total assets | $347,359,500 | 1,932 |
| Average earning assets | $336,710,500 | 1,845 |
| Average equity | $37,844,500 | 1,941 |
| Average total loans | $308,746,500 | 1,488 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6738% | 1,167 |
| Cost of funding earning assets | 0.4545% | 2,583 |
| Net interest margin | 4.2193% | 1,127 |
| Noninterest income to average assets | 0.3131% | 4,652 |
| Noninterest expense to average assets | 2.8230% | 3,139 |
| Loan and lease loss provision to assets | 0.1270% | 1,904 |
| Net operating income to assets | 1.4403% | 964 |
| Return on assets (ROA) | 1.4403% | 996 |
| Pretax return on assets | 1.4403% | 1,754 |
| Return on Equity (ROE) | 13.6403% | 921 |
| Retained earnings to average equity (ytd only) | 9.8714% | 479 |
| Net charge-offs to loans | 0.1543% | 1,828 |
| Credit loss provision to net charge-offs | 92.9336% | 2,704 |
| Earnings coverage of net charge-offs (x) | 11.4690% | 2,572 |
| Efficiency ratio | 64.3005% | 4,198 |
| Assets per employee ($millions) | 5.2344% | 2,077 |
| Cash dividends to net income (ytd only)* | 27.6310% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 4,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 4,934 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 87.4927% | 146 |
| Net loans and leases to deposits | 102.4857% | 516 |
| Net loans and leases to core deposits | 120.4530% | 466 |
| Total domestic deposits to total assets | 85.3706% | 2,913 |
| Equity capital to assets | 10.8707% | 2,968 |
| Core capital (leverage) ratio | 10.9350% | 2,465 |
| Tier 1 risk-based capital ratio | 12.0017% | 4,949 |
| Total risk-based capital ratio | 13.0042% | 5,022 |
| Memoranda: | ||
| Average total assets | $341,732,400 | 1,909 |
| Average earning assets | $330,222,000 | 1,837 |
| Average equity | $36,084,200 | 1,978 |
| Average total loans | $302,723,200 | 1,463 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6883% | 1,116 |
| Cost of funding earning assets | 0.4587% | 2,602 |
| Net interest margin | 4.2296% | 1,107 |
| Noninterest income to average assets | 0.2962% | 4,820 |
| Noninterest expense to average assets | 2.7636% | 3,333 |
| Loan and lease loss provision to assets | 0.1987% | 1,014 |
| Net operating income to assets | 1.4174% | 1,069 |
| Return on assets (ROA) | 1.4174% | 1,113 |
| Pretax return on assets | 1.4174% | 1,939 |
| Return on Equity (ROE) | 13.5247% | 1,000 |
| Retained earnings to average equity (ytd only) | 11.4342% | 422 |
| Net charge-offs to loans | 0.1139% | 1,986 |
| Credit loss provision to net charge-offs | 196.8992% | 1,355 |
| Earnings coverage of net charge-offs (x) | 16.0117% | 2,143 |
| Efficiency ratio | 63.0996% | 4,389 |
| Assets per employee ($millions) | 4.8812% | 2,447 |
| Cash dividends to net income (ytd only)* | 15.4568% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 4,043 |
| Loan loss allowance to noncurrent loans | 385.7466% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 4,736 |
| Noncurrent loans to loans | 0.2938% | 4,536 |
| Net loans and leases to total assets | 87.0478% | 180 |
| Net loans and leases to deposits | 104.2195% | 439 |
| Net loans and leases to core deposits | 122.9562% | 401 |
| Total domestic deposits to total assets | 83.5235% | 3,605 |
| Equity capital to assets | 10.8646% | 3,177 |
| Core capital (leverage) ratio | 10.7943% | 2,724 |
| Tier 1 risk-based capital ratio | 12.0816% | 5,032 |
| Total risk-based capital ratio | 13.1969% | 5,032 |
| Memoranda: | ||
| Average total assets | $340,798,250 | 1,930 |
| Average earning assets | $329,039,500 | 1,854 |
| Average equity | $35,716,500 | 2,006 |
| Average total loans | $302,057,250 | 1,469 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6402% | 1,186 |
| Cost of funding earning assets | 0.4611% | 2,597 |
| Net interest margin | 4.1791% | 1,152 |
| Noninterest income to average assets | 0.2937% | 4,860 |
| Noninterest expense to average assets | 2.7260% | 3,506 |
| Loan and lease loss provision to assets | 0.1656% | 1,272 |
| Net operating income to assets | 1.4320% | 1,032 |
| Return on assets (ROA) | 1.4320% | 1,068 |
| Pretax return on assets | 1.4320% | 1,857 |
| Return on Equity (ROE) | 13.8335% | 939 |
| Retained earnings to average equity (ytd only) | 13.8335% | 240 |
| Net charge-offs to loans | 0.1336% | 1,699 |
| Credit loss provision to net charge-offs | 139.6040% | 1,608 |
| Earnings coverage of net charge-offs (x) | 13.4653% | 2,131 |
| Efficiency ratio | 63.0485% | 4,510 |
| Assets per employee ($millions) | 4.9125% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 4,623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 87.8078% | 155 |
| Net loans and leases to deposits | 115.1343% | 159 |
| Net loans and leases to core deposits | 135.9175% | 201 |
| Total domestic deposits to total assets | 76.2655% | 5,565 |
| Equity capital to assets | 10.4565% | 3,489 |
| Core capital (leverage) ratio | 10.6619% | 2,775 |
| Tier 1 risk-based capital ratio | 11.4684% | 5,484 |
| Total risk-based capital ratio | 12.4917% | 5,528 |
| Memoranda: | ||
| Average total assets | $340,502,000 | 1,949 |
| Average earning assets | $328,348,330 | 1,873 |
| Average equity | $35,247,670 | 2,037 |
| Average total loans | $302,462,670 | 1,469 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5825% | 1,264 |
| Cost of funding earning assets | 0.4607% | 2,677 |
| Net interest margin | 4.1217% | 1,224 |
| Noninterest income to average assets | 0.2925% | 4,830 |
| Noninterest expense to average assets | 2.6947% | 3,609 |
| Loan and lease loss provision to assets | 0.2450% | 683 |
| Net operating income to assets | 1.3319% | 1,176 |
| Return on assets (ROA) | 1.3319% | 1,255 |
| Pretax return on assets | 1.3319% | 2,147 |
| Return on Equity (ROE) | 12.9345% | 1,112 |
| Retained earnings to average equity (ytd only) | 12.9345% | 455 |
| Net charge-offs to loans | 0.2716% | 882 |
| Credit loss provision to net charge-offs | 101.4778% | 1,588 |
| Earnings coverage of net charge-offs (x) | 6.5320% | 2,276 |
| Efficiency ratio | 63.0846% | 4,618 |
| Assets per employee ($millions) | 4.4804% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 4,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 5,940 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 87.8786% | 112 |
| Net loans and leases to deposits | 107.5492% | 270 |
| Net loans and leases to core deposits | 127.8813% | 271 |
| Total domestic deposits to total assets | 81.7101% | 4,604 |
| Equity capital to assets | 10.4808% | 3,556 |
| Core capital (leverage) ratio | 10.4979% | 2,966 |
| Tier 1 risk-based capital ratio | 11.9380% | 5,276 |
| Total risk-based capital ratio | 13.0176% | 5,298 |
| Memoranda: | ||
| Average total assets | $336,359,000 | 1,983 |
| Average earning assets | $324,716,500 | 1,899 |
| Average equity | $34,636,000 | 2,090 |
| Average total loans | $298,942,500 | 1,486 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7129% | 1,271 |
| Cost of funding earning assets | 0.4669% | 3,006 |
| Net interest margin | 4.2460% | 1,177 |
| Noninterest income to average assets | 0.2894% | 5,048 |
| Noninterest expense to average assets | 2.8015% | 3,477 |
| Loan and lease loss provision to assets | 0.1570% | 1,672 |
| Net operating income to assets | 1.4191% | 1,042 |
| Return on assets (ROA) | 1.4191% | 1,072 |
| Pretax return on assets | 1.4191% | 1,818 |
| Return on Equity (ROE) | 13.6885% | 996 |
| Retained earnings to average equity (ytd only) | 3.5010% | 3,723 |
| Net charge-offs to loans | 0.3689% | 1,178 |
| Credit loss provision to net charge-offs | 48.2759% | 3,518 |
| Earnings coverage of net charge-offs (x) | 4.8458% | 3,550 |
| Efficiency ratio | 63.9954% | 4,585 |
| Assets per employee ($millions) | 4.7420% | 2,664 |
| Cash dividends to net income (ytd only)* | 74.4237% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 4,786 |
| Loan loss allowance to noncurrent loans | 343.4783% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 4,918 |
| Noncurrent loans to loans | 0.3073% | 4,744 |
| Net loans and leases to total assets | 87.9932% | 115 |
| Net loans and leases to deposits | 113.0543% | 176 |
| Net loans and leases to core deposits | 130.4576% | 237 |
| Total domestic deposits to total assets | 77.8327% | 5,467 |
| Equity capital to assets | 10.1142% | 3,968 |
| Core capital (leverage) ratio | 10.3103% | 3,156 |
| Tier 1 risk-based capital ratio | 11.2733% | 5,781 |
| Total risk-based capital ratio | 12.3251% | 5,820 |
| Memoranda: | ||
| Average total assets | $320,969,000 | 2,022 |
| Average earning assets | $309,045,400 | 1,945 |
| Average equity | $33,276,200 | 2,089 |
| Average total loans | $283,031,600 | 1,500 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6953% | 1,319 |
| Cost of funding earning assets | 0.4704% | 3,050 |
| Net interest margin | 4.2250% | 1,208 |
| Noninterest income to average assets | 0.2877% | 5,145 |
| Noninterest expense to average assets | 2.8063% | 3,438 |
| Loan and lease loss provision to assets | 0.1127% | 2,164 |
| Net operating income to assets | 1.4370% | 1,054 |
| Return on assets (ROA) | 1.4370% | 1,097 |
| Pretax return on assets | 1.4370% | 1,863 |
| Return on Equity (ROE) | 13.7715% | 1,034 |
| Retained earnings to average equity (ytd only) | 2.7285% | 4,649 |
| Net charge-offs to loans | 0.1998% | 1,863 |
| Credit loss provision to net charge-offs | 64.1148% | 2,874 |
| Earnings coverage of net charge-offs (x) | 8.8158% | 2,744 |
| Efficiency ratio | 64.4236% | 4,477 |
| Assets per employee ($millions) | 4.3837% | 3,155 |
| Cash dividends to net income (ytd only)* | 80.1872% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 3,925 |
| Loan loss allowance to noncurrent loans | 281.7460% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 4,687 |
| Noncurrent loans to loans | 0.4449% | 4,566 |
| Net loans and leases to total assets | 85.0569% | 258 |
| Net loans and leases to deposits | 102.8734% | 458 |
| Net loans and leases to core deposits | 118.7675% | 422 |
| Total domestic deposits to total assets | 82.6811% | 4,240 |
| Equity capital to assets | 10.2077% | 3,922 |
| Core capital (leverage) ratio | 10.1016% | 3,529 |
| Tier 1 risk-based capital ratio | 11.6679% | 5,691 |
| Total risk-based capital ratio | 12.9087% | 5,617 |
| Memoranda: | ||
| Average total assets | $317,040,000 | 2,064 |
| Average earning assets | $305,289,500 | 1,980 |
| Average equity | $33,082,000 | 2,107 |
| Average total loans | $278,934,500 | 1,537 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6736% | 1,343 |
| Cost of funding earning assets | 0.4617% | 3,195 |
| Net interest margin | 4.2120% | 1,213 |
| Noninterest income to average assets | 0.2932% | 5,074 |
| Noninterest expense to average assets | 2.8129% | 3,449 |
| Loan and lease loss provision to assets | 0.0811% | 2,675 |
| Net operating income to assets | 1.4493% | 961 |
| Return on assets (ROA) | 1.4493% | 1,005 |
| Pretax return on assets | 1.4493% | 1,717 |
| Return on Equity (ROE) | 13.7840% | 997 |
| Retained earnings to average equity (ytd only) | 1.5430% | 5,126 |
| Net charge-offs to loans | -0.0281% | 5,661 |
| Credit loss provision to net charge-offs | -325.6410% | 5,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7647% | 4,572 |
| Assets per employee ($millions) | 4.0360% | 3,764 |
| Cash dividends to net income (ytd only)* | 88.8056% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 3,608 |
| Loan loss allowance to noncurrent loans | 264.0710% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.6402% | 4,059 |
| Noncurrent loans to loans | 0.5096% | 4,471 |
| Net loans and leases to total assets | 87.7769% | 105 |
| Net loans and leases to deposits | 110.2529% | 202 |
| Net loans and leases to core deposits | 127.3313% | 254 |
| Total domestic deposits to total assets | 79.6141% | 5,325 |
| Equity capital to assets | 10.2760% | 3,726 |
| Core capital (leverage) ratio | 10.6368% | 2,776 |
| Tier 1 risk-based capital ratio | 11.7032% | 5,691 |
| Total risk-based capital ratio | 12.9546% | 5,637 |
| Memoranda: | ||
| Average total assets | $313,126,670 | 2,087 |
| Average earning assets | $301,093,670 | 2,001 |
| Average equity | $32,922,330 | 2,104 |
| Average total loans | $277,512,670 | 1,537 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6613% | 1,343 |
| Cost of funding earning assets | 0.4632% | 3,279 |
| Net interest margin | 4.1982% | 1,228 |
| Noninterest income to average assets | 0.3322% | 4,715 |
| Noninterest expense to average assets | 2.8470% | 3,394 |
| Loan and lease loss provision to assets | 0.0662% | 2,801 |
| Net operating income to assets | 1.4534% | 894 |
| Return on assets (ROA) | 1.4534% | 925 |
| Pretax return on assets | 1.4534% | 1,574 |
| Return on Equity (ROE) | 13.6610% | 1,006 |
| Retained earnings to average equity (ytd only) | -2.0126% | 5,859 |
| Net charge-offs to loans | -0.0572% | 5,863 |
| Credit loss provision to net charge-offs | -130.7692% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2006% | 4,658 |
| Assets per employee ($millions) | 4.3099% | 3,320 |
| Cash dividends to net income (ytd only)* | 114.7321% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 3,631 |
| Loan loss allowance to noncurrent loans | 258.8798% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.6661% | 4,124 |
| Noncurrent loans to loans | 0.5387% | 4,557 |
| Net loans and leases to total assets | 86.3545% | 128 |
| Net loans and leases to deposits | 102.5903% | 349 |
| Net loans and leases to core deposits | 116.6613% | 393 |
| Total domestic deposits to total assets | 84.1741% | 4,217 |
| Equity capital to assets | 10.5444% | 3,204 |
| Core capital (leverage) ratio | 10.6075% | 2,798 |
| Tier 1 risk-based capital ratio | 12.0735% | 5,594 |
| Total risk-based capital ratio | 13.3170% | 5,531 |
| Memoranda: | ||
| Average total assets | $308,250,000 | 2,122 |
| Average earning assets | $296,223,500 | 2,038 |
| Average equity | $32,794,000 | 2,100 |
| Average total loans | $272,629,000 | 1,570 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8329% | 1,247 |
| Cost of funding earning assets | 0.5368% | 3,226 |
| Net interest margin | 4.2961% | 1,115 |
| Noninterest income to average assets | 0.4177% | 4,315 |
| Noninterest expense to average assets | 3.0341% | 2,950 |
| Loan and lease loss provision to assets | 0.1165% | 2,867 |
| Net operating income to assets | 1.3960% | 1,030 |
| Return on assets (ROA) | 1.3960% | 1,072 |
| Pretax return on assets | 1.3960% | 1,791 |
| Return on Equity (ROE) | 13.2391% | 1,124 |
| Retained earnings to average equity (ytd only) | 6.2523% | 1,820 |
| Net charge-offs to loans | -0.0921% | 6,459 |
| Credit loss provision to net charge-offs | -144.3089% | 5,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7340% | 4,420 |
| Assets per employee ($millions) | 4.2526% | 3,351 |
| Cash dividends to net income (ytd only)* | 52.7739% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 3,880 |
| Loan loss allowance to noncurrent loans | 252.5597% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6859% | 4,190 |
| Noncurrent loans to loans | 0.5357% | 4,655 |
| Net loans and leases to total assets | 88.1157% | 86 |
| Net loans and leases to deposits | 107.0972% | 230 |
| Net loans and leases to core deposits | 115.5007% | 434 |
| Total domestic deposits to total assets | 82.2764% | 4,775 |
| Equity capital to assets | 10.7344% | 2,895 |
| Core capital (leverage) ratio | 10.7215% | 2,654 |
| Tier 1 risk-based capital ratio | 12.2519% | 5,457 |
| Total risk-based capital ratio | 13.5036% | 5,386 |
| Memoranda: | ||
| Average total assets | $304,737,600 | 2,120 |
| Average earning assets | $292,868,200 | 2,025 |
| Average equity | $32,132,000 | 2,123 |
| Average total loans | $267,157,400 | 1,567 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8441% | 1,251 |
| Cost of funding earning assets | 0.5474% | 3,288 |
| Net interest margin | 4.2967% | 1,104 |
| Noninterest income to average assets | 0.5099% | 3,735 |
| Noninterest expense to average assets | 3.0957% | 2,669 |
| Loan and lease loss provision to assets | 0.1332% | 2,617 |
| Net operating income to assets | 1.4105% | 1,083 |
| Return on assets (ROA) | 1.4105% | 1,130 |
| Pretax return on assets | 1.4105% | 1,901 |
| Return on Equity (ROE) | 13.4381% | 1,130 |
| Retained earnings to average equity (ytd only) | 6.3643% | 2,204 |
| Net charge-offs to loans | -0.2350% | 6,681 |
| Credit loss provision to net charge-offs | -64.9573% | 5,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7265% | 4,351 |
| Assets per employee ($millions) | 4.4171% | 3,025 |
| Cash dividends to net income (ytd only)* | 52.6396% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 3,661 |
| Loan loss allowance to noncurrent loans | 245.0000% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.8694% | 3,937 |
| Noncurrent loans to loans | 0.5939% | 4,715 |
| Net loans and leases to total assets | 84.7931% | 199 |
| Net loans and leases to deposits | 99.6806% | 479 |
| Net loans and leases to core deposits | 109.7126% | 586 |
| Total domestic deposits to total assets | 85.0648% | 3,718 |
| Equity capital to assets | 10.4901% | 3,289 |
| Core capital (leverage) ratio | 10.4341% | 3,083 |
| Tier 1 risk-based capital ratio | 12.2039% | 5,641 |
| Total risk-based capital ratio | 13.4565% | 5,577 |
| Memoranda: | ||
| Average total assets | $304,375,750 | 2,128 |
| Average earning assets | $292,526,500 | 2,030 |
| Average equity | $31,948,250 | 2,150 |
| Average total loans | $265,572,500 | 1,577 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8547% | 1,205 |
| Cost of funding earning assets | 0.5512% | 3,397 |
| Net interest margin | 4.3035% | 1,026 |
| Noninterest income to average assets | 0.5800% | 3,318 |
| Noninterest expense to average assets | 3.0981% | 2,665 |
| Loan and lease loss provision to assets | 0.2002% | 1,898 |
| Net operating income to assets | 1.4176% | 1,040 |
| Return on assets (ROA) | 1.4176% | 1,128 |
| Pretax return on assets | 1.4176% | 1,868 |
| Return on Equity (ROE) | 13.5028% | 1,124 |
| Retained earnings to average equity (ytd only) | 8.1860% | 1,405 |
| Net charge-offs to loans | -0.3557% | 6,779 |
| Credit loss provision to net charge-offs | -64.1949% | 5,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6955% | 4,602 |
| Assets per employee ($millions) | 4.3339% | 3,119 |
| Cash dividends to net income (ytd only)* | 39.3756% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 3,772 |
| Loan loss allowance to noncurrent loans | 298.0000% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 4,241 |
| Noncurrent loans to loans | 0.4898% | 5,040 |
| Net loans and leases to total assets | 86.2162% | 142 |
| Net loans and leases to deposits | 104.9271% | 254 |
| Net loans and leases to core deposits | 116.4942% | 382 |
| Total domestic deposits to total assets | 82.1677% | 4,997 |
| Equity capital to assets | 10.6151% | 3,154 |
| Core capital (leverage) ratio | 10.4390% | 2,951 |
| Tier 1 risk-based capital ratio | 12.1011% | 5,734 |
| Total risk-based capital ratio | 13.3536% | 5,683 |
| Memoranda: | ||
| Average total assets | $302,769,000 | 2,145 |
| Average earning assets | $290,975,330 | 2,048 |
| Average equity | $31,786,000 | 2,165 |
| Average total loans | $265,414,000 | 1,576 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8076% | 1,273 |
| Cost of funding earning assets | 0.5570% | 3,505 |
| Net interest margin | 4.2506% | 1,069 |
| Noninterest income to average assets | 0.4377% | 4,197 |
| Noninterest expense to average assets | 2.7877% | 3,741 |
| Loan and lease loss provision to assets | 0.2658% | 1,334 |
| Net operating income to assets | 1.4613% | 935 |
| Return on assets (ROA) | 1.4613% | 1,012 |
| Pretax return on assets | 1.4613% | 1,679 |
| Return on Equity (ROE) | 13.9973% | 963 |
| Retained earnings to average equity (ytd only) | 12.4772% | 635 |
| Net charge-offs to loans | 0.0015% | 4,137 |
| Credit loss provision to net charge-offs | 20,100.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 1,306.0000% | 10 |
| Efficiency ratio | 61.7458% | 5,336 |
| Assets per employee ($millions) | 4.5701% | 2,847 |
| Cash dividends to net income (ytd only)* | 10.8597% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 5,006 |
| Loan loss allowance to noncurrent loans | 152.8730% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 1.1402% | 3,661 |
| Noncurrent loans to loans | 0.8102% | 4,504 |
| Net loans and leases to total assets | 87.2083% | 87 |
| Net loans and leases to deposits | 104.7968% | 217 |
| Net loans and leases to core deposits | 116.1820% | 350 |
| Total domestic deposits to total assets | 83.2166% | 4,786 |
| Equity capital to assets | 10.6310% | 3,400 |
| Core capital (leverage) ratio | 10.4601% | 2,833 |
| Tier 1 risk-based capital ratio | 12.0564% | 5,883 |
| Total risk-based capital ratio | 13.3065% | 5,836 |
| Memoranda: | ||
| Average total assets | $302,468,000 | 2,173 |
| Average earning assets | $290,121,000 | 2,076 |
| Average equity | $31,577,500 | 2,209 |
| Average total loans | $265,406,500 | 1,584 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0064% | 1,544 |
| Cost of funding earning assets | 0.6356% | 4,045 |
| Net interest margin | 4.3709% | 1,229 |
| Noninterest income to average assets | 0.3126% | 5,219 |
| Noninterest expense to average assets | 3.0214% | 3,198 |
| Loan and lease loss provision to assets | 0.2430% | 2,710 |
| Net operating income to assets | 1.2235% | 1,521 |
| Return on assets (ROA) | 1.2235% | 1,692 |
| Pretax return on assets | 1.2235% | 2,711 |
| Return on Equity (ROE) | 12.4275% | 1,380 |
| Retained earnings to average equity (ytd only) | 8.6550% | 924 |
| Net charge-offs to loans | 0.3268% | 3,011 |
| Credit loss provision to net charge-offs | 86.4865% | 3,604 |
| Earnings coverage of net charge-offs (x) | 5.2197% | 3,105 |
| Efficiency ratio | 67.3238% | 4,263 |
| Assets per employee ($millions) | 4.2126% | 3,525 |
| Cash dividends to net income (ytd only)* | 30.3562% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 5,252 |
| Loan loss allowance to noncurrent loans | 120.9130% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 1.3666% | 3,351 |
| Noncurrent loans to loans | 0.9691% | 4,257 |
| Net loans and leases to total assets | 86.1732% | 121 |
| Net loans and leases to deposits | 103.1399% | 294 |
| Net loans and leases to core deposits | 115.3695% | 375 |
| Total domestic deposits to total assets | 83.5498% | 4,521 |
| Equity capital to assets | 10.2499% | 3,827 |
| Core capital (leverage) ratio | 10.1392% | 3,226 |
| Tier 1 risk-based capital ratio | 11.6881% | 5,960 |
| Total risk-based capital ratio | 12.8679% | 5,982 |
| Memoranda: | ||
| Average total assets | $302,906,200 | 2,121 |
| Average earning assets | $289,347,000 | 2,049 |
| Average equity | $29,821,000 | 2,262 |
| Average total loans | $260,391,400 | 1,588 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0198% | 1,644 |
| Cost of funding earning assets | 0.6523% | 4,175 |
| Net interest margin | 4.3676% | 1,296 |
| Noninterest income to average assets | 0.2479% | 5,787 |
| Noninterest expense to average assets | 3.0245% | 3,156 |
| Loan and lease loss provision to assets | 0.1915% | 3,192 |
| Net operating income to assets | 1.2038% | 1,721 |
| Return on assets (ROA) | 1.2038% | 1,896 |
| Pretax return on assets | 1.2038% | 2,982 |
| Return on Equity (ROE) | 12.3551% | 1,512 |
| Retained earnings to average equity (ytd only) | 9.7340% | 987 |
| Net charge-offs to loans | 0.3187% | 2,852 |
| Credit loss provision to net charge-offs | 70.1613% | 3,898 |
| Earnings coverage of net charge-offs (x) | 5.1113% | 3,109 |
| Efficiency ratio | 68.4300% | 3,973 |
| Assets per employee ($millions) | 4.3071% | 3,255 |
| Cash dividends to net income (ytd only)* | 21.2142% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 5,529 |
| Loan loss allowance to noncurrent loans | 93.7191% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.7096% | 3,032 |
| Noncurrent loans to loans | 1.2250% | 4,005 |
| Net loans and leases to total assets | 85.2870% | 173 |
| Net loans and leases to deposits | 100.8928% | 399 |
| Net loans and leases to core deposits | 111.9769% | 496 |
| Total domestic deposits to total assets | 84.5322% | 3,960 |
| Equity capital to assets | 10.0332% | 4,445 |
| Core capital (leverage) ratio | 10.1213% | 3,370 |
| Tier 1 risk-based capital ratio | 11.4436% | 6,255 |
| Total risk-based capital ratio | 12.5886% | 6,298 |
| Memoranda: | ||
| Average total assets | $302,805,250 | 2,137 |
| Average earning assets | $289,245,000 | 2,066 |
| Average equity | $29,504,000 | 2,298 |
| Average total loans | $259,371,500 | 1,608 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0647% | 1,613 |
| Cost of funding earning assets | 0.6809% | 4,176 |
| Net interest margin | 4.3838% | 1,250 |
| Noninterest income to average assets | -0.0172% | 7,023 |
| Noninterest expense to average assets | 2.7601% | 4,180 |
| Loan and lease loss provision to assets | 0.2339% | 2,729 |
| Net operating income to assets | 1.1657% | 1,831 |
| Return on assets (ROA) | 1.1657% | 2,030 |
| Pretax return on assets | 1.1657% | 3,058 |
| Return on Equity (ROE) | 12.0846% | 1,641 |
| Retained earnings to average equity (ytd only) | 8.4778% | 1,456 |
| Net charge-offs to loans | 0.4165% | 2,369 |
| Credit loss provision to net charge-offs | 65.7356% | 3,667 |
| Earnings coverage of net charge-offs (x) | 3.9330% | 3,228 |
| Efficiency ratio | 66.3534% | 4,473 |
| Assets per employee ($millions) | 4.2068% | 3,441 |
| Cash dividends to net income (ytd only)* | 29.8465% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 5,389 |
| Loan loss allowance to noncurrent loans | 98.0583% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 2.4681% | 2,263 |
| Noncurrent loans to loans | 1.2164% | 4,115 |
| Net loans and leases to total assets | 85.2321% | 168 |
| Net loans and leases to deposits | 103.1679% | 303 |
| Net loans and leases to core deposits | 115.2907% | 414 |
| Total domestic deposits to total assets | 82.6149% | 4,899 |
| Equity capital to assets | 10.0881% | 4,204 |
| Core capital (leverage) ratio | 9.9526% | 3,483 |
| Tier 1 risk-based capital ratio | 11.6442% | 6,144 |
| Total risk-based capital ratio | 12.8462% | 6,150 |
| Memoranda: | ||
| Average total assets | $301,805,670 | 2,143 |
| Average earning assets | $287,559,000 | 2,078 |
| Average equity | $29,111,330 | 2,315 |
| Average total loans | $257,882,000 | 1,610 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9582% | 2,043 |
| Cost of funding earning assets | 0.7211% | 4,100 |
| Net interest margin | 4.2371% | 1,647 |
| Noninterest income to average assets | 0.3025% | 5,455 |
| Noninterest expense to average assets | 2.9685% | 3,396 |
| Loan and lease loss provision to assets | 0.2318% | 2,629 |
| Net operating income to assets | 1.1418% | 1,910 |
| Return on assets (ROA) | 1.1418% | 2,095 |
| Pretax return on assets | 1.1418% | 3,156 |
| Return on Equity (ROE) | 12.1054% | 1,654 |
| Retained earnings to average equity (ytd only) | 11.0643% | 1,011 |
| Net charge-offs to loans | 0.0493% | 4,011 |
| Credit loss provision to net charge-offs | 553.1250% | 608 |
| Earnings coverage of net charge-offs (x) | 32.7813% | 860 |
| Efficiency ratio | 68.3655% | 4,105 |
| Assets per employee ($millions) | 4.2306% | 3,521 |
| Cash dividends to net income (ytd only)* | 8.6009% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 5,083 |
| Loan loss allowance to noncurrent loans | 57.9038% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 3.1694% | 1,825 |
| Noncurrent loans to loans | 2.2211% | 2,900 |
| Net loans and leases to total assets | 87.0582% | 92 |
| Net loans and leases to deposits | 104.3705% | 244 |
| Net loans and leases to core deposits | 112.4779% | 460 |
| Total domestic deposits to total assets | 83.4126% | 4,754 |
| Equity capital to assets | 9.8679% | 4,293 |
| Core capital (leverage) ratio | 9.4839% | 4,073 |
| Tier 1 risk-based capital ratio | 11.1989% | 6,446 |
| Total risk-based capital ratio | 12.4495% | 6,431 |
| Memoranda: | ||
| Average total assets | $305,470,000 | 2,127 |
| Average earning assets | $291,235,000 | 2,052 |
| Average equity | $28,813,500 | 2,335 |
| Average total loans | $259,813,500 | 1,615 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1376% | 2,301 |
| Cost of funding earning assets | 0.8806% | 4,248 |
| Net interest margin | 4.2570% | 1,850 |
| Noninterest income to average assets | 0.2613% | 5,668 |
| Noninterest expense to average assets | 2.7618% | 4,501 |
| Loan and lease loss provision to assets | 0.3559% | 2,870 |
| Net operating income to assets | 1.1978% | 1,516 |
| Return on assets (ROA) | 1.1978% | 1,625 |
| Pretax return on assets | 1.1978% | 2,466 |
| Return on Equity (ROE) | 13.2169% | 1,118 |
| Retained earnings to average equity (ytd only) | 4.8163% | 2,778 |
| Net charge-offs to loans | 0.6651% | 2,493 |
| Credit loss provision to net charge-offs | 64.2435% | 5,053 |
| Earnings coverage of net charge-offs (x) | 2.8044% | 3,815 |
| Efficiency ratio | 63.9958% | 5,131 |
| Assets per employee ($millions) | 4.4971% | 2,918 |
| Cash dividends to net income (ytd only)* | 63.5593% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 5,210 |
| Loan loss allowance to noncurrent loans | 62.5901% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 2.9336% | 2,053 |
| Noncurrent loans to loans | 1.9868% | 3,228 |
| Net loans and leases to total assets | 81.0800% | 405 |
| Net loans and leases to deposits | 95.7993% | 682 |
| Net loans and leases to core deposits | 106.5316% | 775 |
| Total domestic deposits to total assets | 84.6353% | 4,029 |
| Equity capital to assets | 9.0229% | 5,522 |
| Core capital (leverage) ratio | 9.2951% | 4,339 |
| Tier 1 risk-based capital ratio | 10.8753% | 6,524 |
| Total risk-based capital ratio | 12.1184% | 6,501 |
| Memoranda: | ||
| Average total assets | $305,385,800 | 2,095 |
| Average earning assets | $290,836,200 | 2,015 |
| Average equity | $27,676,600 | 2,349 |
| Average total loans | $254,397,000 | 1,652 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1732% | 2,302 |
| Cost of funding earning assets | 0.9123% | 4,324 |
| Net interest margin | 4.2610% | 1,868 |
| Noninterest income to average assets | 0.1958% | 6,194 |
| Noninterest expense to average assets | 2.7341% | 4,600 |
| Loan and lease loss provision to assets | 0.3449% | 2,812 |
| Net operating income to assets | 1.1734% | 1,737 |
| Return on assets (ROA) | 1.1734% | 1,852 |
| Pretax return on assets | 1.1734% | 2,725 |
| Return on Equity (ROE) | 12.9331% | 1,297 |
| Retained earnings to average equity (ytd only) | 6.9927% | 1,975 |
| Net charge-offs to loans | 0.6820% | 2,208 |
| Credit loss provision to net charge-offs | 60.4938% | 4,799 |
| Earnings coverage of net charge-offs (x) | 2.6628% | 3,790 |
| Efficiency ratio | 64.2938% | 5,016 |
| Assets per employee ($millions) | 4.3126% | 3,253 |
| Cash dividends to net income (ytd only)* | 45.9317% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 4,942 |
| Loan loss allowance to noncurrent loans | 119.2571% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 2.2446% | 2,845 |
| Noncurrent loans to loans | 1.1025% | 4,714 |
| Net loans and leases to total assets | 81.0608% | 419 |
| Net loans and leases to deposits | 96.3749% | 679 |
| Net loans and leases to core deposits | 109.7165% | 687 |
| Total domestic deposits to total assets | 84.1098% | 4,181 |
| Equity capital to assets | 9.3124% | 5,361 |
| Core capital (leverage) ratio | 9.3260% | 4,416 |
| Tier 1 risk-based capital ratio | 11.0651% | 6,503 |
| Total risk-based capital ratio | 12.3157% | 6,487 |
| Memoranda: | ||
| Average total assets | $303,032,500 | 2,124 |
| Average earning assets | $288,502,750 | 2,038 |
| Average equity | $27,494,750 | 2,361 |
| Average total loans | $253,383,000 | 1,667 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1833% | 2,331 |
| Cost of funding earning assets | 0.9403% | 4,394 |
| Net interest margin | 4.2430% | 1,867 |
| Noninterest income to average assets | 0.1106% | 6,781 |
| Noninterest expense to average assets | 2.7552% | 4,612 |
| Loan and lease loss provision to assets | 0.2795% | 3,143 |
| Net operating income to assets | 1.1166% | 1,824 |
| Return on assets (ROA) | 1.1166% | 1,908 |
| Pretax return on assets | 1.1166% | 2,782 |
| Return on Equity (ROE) | 12.4176% | 1,371 |
| Retained earnings to average equity (ytd only) | 6.7096% | 2,012 |
| Net charge-offs to loans | 1.0362% | 1,518 |
| Credit loss provision to net charge-offs | 32.0669% | 4,956 |
| Earnings coverage of net charge-offs (x) | 1.6018% | 4,087 |
| Efficiency ratio | 66.3689% | 4,808 |
| Assets per employee ($millions) | 4.3517% | 3,081 |
| Cash dividends to net income (ytd only)* | 45.9668% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 5,755 |
| Loan loss allowance to noncurrent loans | 104.9892% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 2.3270% | 2,826 |
| Noncurrent loans to loans | 1.0974% | 4,836 |
| Net loans and leases to total assets | 84.8062% | 186 |
| Net loans and leases to deposits | 101.1410% | 442 |
| Net loans and leases to core deposits | 116.3240% | 513 |
| Total domestic deposits to total assets | 83.8495% | 4,413 |
| Equity capital to assets | 9.4152% | 4,947 |
| Core capital (leverage) ratio | 9.4238% | 4,072 |
| Tier 1 risk-based capital ratio | 10.8949% | 6,606 |
| Total risk-based capital ratio | 12.0456% | 6,642 |
| Memoranda: | ||
| Average total assets | $301,978,330 | 2,134 |
| Average earning assets | $287,576,330 | 2,057 |
| Average equity | $27,155,000 | 2,372 |
| Average total loans | $254,007,000 | 1,688 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0919% | 2,678 |
| Cost of funding earning assets | 0.9785% | 4,359 |
| Net interest margin | 4.1135% | 2,220 |
| Noninterest income to average assets | -0.1967% | 7,431 |
| Noninterest expense to average assets | 2.7186% | 4,760 |
| Loan and lease loss provision to assets | 0.0682% | 5,139 |
| Net operating income to assets | 0.9364% | 2,419 |
| Return on assets (ROA) | 0.9364% | 2,481 |
| Pretax return on assets | 0.9364% | 3,379 |
| Return on Equity (ROE) | 10.6559% | 1,856 |
| Retained earnings to average equity (ytd only) | 2.0745% | 4,898 |
| Net charge-offs to loans | -0.0173% | 6,525 |
| Credit loss provision to net charge-offs | -472.7273% | 5,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0187% | 3,680 |
| Assets per employee ($millions) | 4.2662% | 3,306 |
| Cash dividends to net income (ytd only)* | 80.5322% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 3,983 |
| Loan loss allowance to noncurrent loans | 92.3846% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 2.7800% | 2,479 |
| Noncurrent loans to loans | 1.6732% | 3,974 |
| Net loans and leases to total assets | 82.7958% | 289 |
| Net loans and leases to deposits | 99.3060% | 511 |
| Net loans and leases to core deposits | 114.6023% | 581 |
| Total domestic deposits to total assets | 83.3744% | 4,756 |
| Equity capital to assets | 9.0019% | 5,203 |
| Core capital (leverage) ratio | 8.8572% | 4,839 |
| Tier 1 risk-based capital ratio | 10.6660% | 6,713 |
| Total risk-based capital ratio | 11.9196% | 6,693 |
| Memoranda: | ||
| Average total assets | $305,009,500 | 2,120 |
| Average earning assets | $290,656,000 | 2,053 |
| Average equity | $26,802,000 | 2,393 |
| Average total loans | $254,070,500 | 1,707 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5879% | 1,943 |
| Cost of funding earning assets | 1.1844% | 4,651 |
| Net interest margin | 4.4035% | 1,457 |
| Noninterest income to average assets | 0.4758% | 4,345 |
| Noninterest expense to average assets | 2.9208% | 4,140 |
| Loan and lease loss provision to assets | 0.9308% | 1,749 |
| Net operating income to assets | 0.8039% | 2,785 |
| Return on assets (ROA) | 0.8039% | 2,915 |
| Pretax return on assets | 0.8039% | 3,619 |
| Return on Equity (ROE) | 9.0615% | 2,265 |
| Retained earnings to average equity (ytd only) | 3.8595% | 3,159 |
| Net charge-offs to loans | 0.3543% | 4,248 |
| Credit loss provision to net charge-offs | 296.2203% | 907 |
| Earnings coverage of net charge-offs (x) | 5.5205% | 2,604 |
| Efficiency ratio | 62.7378% | 5,572 |
| Assets per employee ($millions) | 4.5128% | 2,843 |
| Cash dividends to net income (ytd only)* | 57.4082% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 4,088 |
| Loan loss allowance to noncurrent loans | 70.2539% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 3.3390% | 2,111 |
| Noncurrent loans to loans | 2.1152% | 3,415 |
| Net loans and leases to total assets | 81.3089% | 512 |
| Net loans and leases to deposits | 96.7366% | 800 |
| Net loans and leases to core deposits | 114.3204% | 712 |
| Total domestic deposits to total assets | 84.0518% | 4,340 |
| Equity capital to assets | 8.5814% | 5,747 |
| Core capital (leverage) ratio | 8.7222% | 4,978 |
| Tier 1 risk-based capital ratio | 10.4158% | 6,750 |
| Total risk-based capital ratio | 11.6687% | 6,730 |
| Memoranda: | ||
| Average total assets | $294,677,800 | 2,184 |
| Average earning assets | $279,709,200 | 2,112 |
| Average equity | $26,143,600 | 2,447 |
| Average total loans | $261,368,000 | 1,694 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6878% | 1,753 |
| Cost of funding earning assets | 1.2081% | 4,820 |
| Net interest margin | 4.4797% | 1,304 |
| Noninterest income to average assets | 0.4874% | 4,283 |
| Noninterest expense to average assets | 2.8956% | 4,105 |
| Loan and lease loss provision to assets | 1.1548% | 1,252 |
| Net operating income to assets | 0.6834% | 3,500 |
| Return on assets (ROA) | 0.6834% | 3,650 |
| Pretax return on assets | 0.6834% | 4,289 |
| Return on Equity (ROE) | 7.6359% | 3,051 |
| Retained earnings to average equity (ytd only) | 3.2257% | 4,170 |
| Net charge-offs to loans | 0.4120% | 3,647 |
| Credit loss provision to net charge-offs | 310.2343% | 1,023 |
| Earnings coverage of net charge-offs (x) | 4.9383% | 2,891 |
| Efficiency ratio | 61.1693% | 5,763 |
| Assets per employee ($millions) | 4.3594% | 3,150 |
| Cash dividends to net income (ytd only)* | 57.7571% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 4,355 |
| Loan loss allowance to noncurrent loans | 69.1863% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 3.7990% | 1,873 |
| Noncurrent loans to loans | 2.0526% | 3,616 |
| Net loans and leases to total assets | 84.3236% | 313 |
| Net loans and leases to deposits | 100.7383% | 606 |
| Net loans and leases to core deposits | 120.1367% | 605 |
| Total domestic deposits to total assets | 83.7056% | 4,268 |
| Equity capital to assets | 8.7000% | 6,014 |
| Core capital (leverage) ratio | 8.8031% | 5,003 |
| Tier 1 risk-based capital ratio | 10.2590% | 6,926 |
| Total risk-based capital ratio | 11.5113% | 6,914 |
| Memoranda: | ||
| Average total assets | $290,501,500 | 2,241 |
| Average earning assets | $275,366,750 | 2,179 |
| Average equity | $25,999,250 | 2,497 |
| Average total loans | $262,459,750 | 1,712 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7318% | 1,644 |
| Cost of funding earning assets | 1.2256% | 4,986 |
| Net interest margin | 4.5062% | 1,196 |
| Noninterest income to average assets | 0.4909% | 4,186 |
| Noninterest expense to average assets | 2.8864% | 4,128 |
| Loan and lease loss provision to assets | 1.5202% | 868 |
| Net operating income to assets | 0.3634% | 4,918 |
| Return on assets (ROA) | 0.3634% | 5,076 |
| Pretax return on assets | 0.3634% | 5,331 |
| Return on Equity (ROE) | 4.0208% | 4,765 |
| Retained earnings to average equity (ytd only) | -0.7050% | 5,905 |
| Net charge-offs to loans | 0.4351% | 3,247 |
| Credit loss provision to net charge-offs | 379.5455% | 951 |
| Earnings coverage of net charge-offs (x) | 4.7028% | 2,875 |
| Efficiency ratio | 60.5109% | 5,956 |
| Assets per employee ($millions) | 4.5395% | 2,812 |
| Cash dividends to net income (ytd only)* | 117.5337% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 4,531 |
| Loan loss allowance to noncurrent loans | 66.1584% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 4.1262% | 1,648 |
| Noncurrent loans to loans | 2.0846% | 3,613 |
| Net loans and leases to total assets | 87.2691% | 158 |
| Net loans and leases to deposits | 104.5332% | 462 |
| Net loans and leases to core deposits | 129.3782% | 429 |
| Total domestic deposits to total assets | 83.4845% | 4,349 |
| Equity capital to assets | 8.7393% | 5,826 |
| Core capital (leverage) ratio | 8.9840% | 4,628 |
| Tier 1 risk-based capital ratio | 9.7600% | 7,156 |
| Total risk-based capital ratio | 11.0116% | 7,141 |
| Memoranda: | ||
| Average total assets | $285,615,330 | 2,297 |
| Average earning assets | $271,225,000 | 2,218 |
| Average equity | $25,816,000 | 2,502 |
| Average total loans | $262,936,670 | 1,730 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7673% | 1,565 |
| Cost of funding earning assets | 1.2586% | 5,068 |
| Net interest margin | 4.5087% | 1,122 |
| Noninterest income to average assets | 0.5369% | 3,760 |
| Noninterest expense to average assets | 2.8040% | 4,466 |
| Loan and lease loss provision to assets | 1.7843% | 637 |
| Net operating income to assets | 0.2592% | 5,456 |
| Return on assets (ROA) | 0.2592% | 5,584 |
| Pretax return on assets | 0.2592% | 5,723 |
| Return on Equity (ROE) | 2.8184% | 5,421 |
| Retained earnings to average equity (ytd only) | 2.0441% | 4,901 |
| Net charge-offs to loans | 0.6246% | 2,261 |
| Credit loss provision to net charge-offs | 304.1262% | 1,291 |
| Earnings coverage of net charge-offs (x) | 3.4830% | 2,894 |
| Efficiency ratio | 57.8437% | 6,512 |
| Assets per employee ($millions) | 4.0094% | 3,849 |
| Cash dividends to net income (ytd only)* | 27.4725% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 6,100 |
| Loan loss allowance to noncurrent loans | 48.9750% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 2.8359% | 2,555 |
| Noncurrent loans to loans | 2.2072% | 3,516 |
| Net loans and leases to total assets | 92.6989% | 30 |
| Net loans and leases to deposits | 111.9447% | 253 |
| Net loans and leases to core deposits | 135.1675% | 394 |
| Total domestic deposits to total assets | 82.8078% | 4,713 |
| Equity capital to assets | 9.2380% | 4,933 |
| Core capital (leverage) ratio | 9.1830% | 4,254 |
| Tier 1 risk-based capital ratio | 9.9749% | 7,053 |
| Total risk-based capital ratio | 11.0697% | 7,136 |
| Memoranda: | ||
| Average total assets | $280,888,500 | 2,389 |
| Average earning assets | $268,548,000 | 2,290 |
| Average equity | $25,830,500 | 2,524 |
| Average total loans | $263,852,500 | 1,781 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8182% | 2,583 |
| Cost of funding earning assets | 1.8394% | 3,787 |
| Net interest margin | 3.9788% | 2,948 |
| Noninterest income to average assets | 0.5515% | 4,007 |
| Noninterest expense to average assets | 3.0643% | 3,892 |
| Loan and lease loss provision to assets | 0.7992% | 2,737 |
| Net operating income to assets | 0.5127% | 3,678 |
| Return on assets (ROA) | 0.5127% | 3,774 |
| Pretax return on assets | 0.5127% | 4,148 |
| Return on Equity (ROE) | 5.6265% | 3,366 |
| Retained earnings to average equity (ytd only) | 0.7086% | 4,513 |
| Net charge-offs to loans | 1.0093% | 2,394 |
| Credit loss provision to net charge-offs | 85.6009% | 6,145 |
| Earnings coverage of net charge-offs (x) | 1.4051% | 4,723 |
| Efficiency ratio | 70.0210% | 4,625 |
| Assets per employee ($millions) | 4.3249% | 3,233 |
| Cash dividends to net income (ytd only)* | 87.4054% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7563% | 7,244 |
| Loan loss allowance to noncurrent loans | 58.7269% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 1.4026% | 4,313 |
| Noncurrent loans to loans | 1.2879% | 4,772 |
| Net loans and leases to total assets | 93.4455% | 18 |
| Net loans and leases to deposits | 111.3015% | 337 |
| Net loans and leases to core deposits | 135.3205% | 988 |
| Total domestic deposits to total assets | 83.9571% | 4,046 |
| Equity capital to assets | 9.1541% | 4,913 |
| Core capital (leverage) ratio | 9.1901% | 4,137 |
| Tier 1 risk-based capital ratio | 9.7792% | 7,039 |
| Total risk-based capital ratio | 10.5389% | 7,334 |
| Memoranda: | ||
| Average total assets | $283,392,600 | 2,324 |
| Average earning assets | $272,422,200 | 2,222 |
| Average equity | $25,824,000 | 2,542 |
| Average total loans | $262,150,000 | 1,819 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7996% | 2,895 |
| Cost of funding earning assets | 1.9451% | 3,637 |
| Net interest margin | 3.8545% | 3,410 |
| Noninterest income to average assets | 0.5390% | 4,166 |
| Noninterest expense to average assets | 3.0759% | 3,743 |
| Loan and lease loss provision to assets | 0.5428% | 3,224 |
| Net operating income to assets | 0.6273% | 3,504 |
| Return on assets (ROA) | 0.6273% | 3,567 |
| Pretax return on assets | 0.6273% | 4,097 |
| Return on Equity (ROE) | 6.8918% | 3,122 |
| Retained earnings to average equity (ytd only) | 1.5785% | 4,431 |
| Net charge-offs to loans | 0.7270% | 2,541 |
| Credit loss provision to net charge-offs | 81.0659% | 5,736 |
| Earnings coverage of net charge-offs (x) | 1.7475% | 4,487 |
| Efficiency ratio | 72.4428% | 4,162 |
| Assets per employee ($millions) | 4.1355% | 3,496 |
| Cash dividends to net income (ytd only)* | 77.0958% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 7,088 |
| Loan loss allowance to noncurrent loans | 61.0165% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.3413% | 4,407 |
| Noncurrent loans to loans | 1.3249% | 4,721 |
| Net loans and leases to total assets | 89.5611% | 132 |
| Net loans and leases to deposits | 105.1392% | 700 |
| Net loans and leases to core deposits | 128.1554% | 1,571 |
| Total domestic deposits to total assets | 85.1833% | 3,134 |
| Equity capital to assets | 8.9718% | 5,523 |
| Core capital (leverage) ratio | 9.0231% | 4,615 |
| Tier 1 risk-based capital ratio | 9.8997% | 7,059 |
| Total risk-based capital ratio | 10.7076% | 7,367 |
| Memoranda: | ||
| Average total assets | $283,960,500 | 2,332 |
| Average earning assets | $273,090,500 | 2,240 |
| Average equity | $25,846,500 | 2,563 |
| Average total loans | $261,513,250 | 1,842 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7814% | 3,132 |
| Cost of funding earning assets | 2.0613% | 3,469 |
| Net interest margin | 3.7201% | 3,876 |
| Noninterest income to average assets | 0.5026% | 4,422 |
| Noninterest expense to average assets | 3.0498% | 3,881 |
| Loan and lease loss provision to assets | 0.2495% | 4,577 |
| Net operating income to assets | 0.7805% | 2,931 |
| Return on assets (ROA) | 0.7805% | 3,026 |
| Pretax return on assets | 0.7805% | 3,738 |
| Return on Equity (ROE) | 8.5333% | 2,556 |
| Retained earnings to average equity (ytd only) | 1.7904% | 4,345 |
| Net charge-offs to loans | 0.1682% | 4,540 |
| Credit loss provision to net charge-offs | 160.0000% | 2,869 |
| Earnings coverage of net charge-offs (x) | 6.6045% | 2,589 |
| Efficiency ratio | 74.7524% | 3,916 |
| Assets per employee ($millions) | 3.8063% | 4,081 |
| Cash dividends to net income (ytd only)* | 79.0191% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9433% | 6,584 |
| Loan loss allowance to noncurrent loans | 71.7137% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.2285% | 4,486 |
| Noncurrent loans to loans | 1.3154% | 4,582 |
| Net loans and leases to total assets | 92.5131% | 45 |
| Net loans and leases to deposits | 110.4324% | 536 |
| Net loans and leases to core deposits | 139.6472% | 1,029 |
| Total domestic deposits to total assets | 83.7735% | 3,883 |
| Equity capital to assets | 9.0766% | 5,206 |
| Core capital (leverage) ratio | 9.1089% | 4,448 |
| Tier 1 risk-based capital ratio | 9.8058% | 7,132 |
| Total risk-based capital ratio | 10.7612% | 7,335 |
| Memoranda: | ||
| Average total assets | $282,119,000 | 2,363 |
| Average earning assets | $271,284,330 | 2,273 |
| Average equity | $25,804,670 | 2,573 |
| Average total loans | $261,558,000 | 1,878 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6834% | 3,886 |
| Cost of funding earning assets | 2.1485% | 3,417 |
| Net interest margin | 3.5350% | 4,588 |
| Noninterest income to average assets | 0.5178% | 4,158 |
| Noninterest expense to average assets | 2.9625% | 3,931 |
| Loan and lease loss provision to assets | 0.1255% | 5,351 |
| Net operating income to assets | 0.8372% | 2,963 |
| Return on assets (ROA) | 0.8372% | 3,112 |
| Pretax return on assets | 0.8372% | 3,942 |
| Return on Equity (ROE) | 9.1179% | 2,661 |
| Retained earnings to average equity (ytd only) | 0.2641% | 5,551 |
| Net charge-offs to loans | 0.3474% | 2,694 |
| Credit loss provision to net charge-offs | 39.1111% | 4,830 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,308 |
| Efficiency ratio | 75.4724% | 3,568 |
| Assets per employee ($millions) | 3.6460% | 4,458 |
| Cash dividends to net income (ytd only)* | 97.1039% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8707% | 6,873 |
| Loan loss allowance to noncurrent loans | 87.8373% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.9351% | 4,850 |
| Noncurrent loans to loans | 0.9912% | 5,012 |
| Net loans and leases to total assets | 93.5169% | 38 |
| Net loans and leases to deposits | 112.3826% | 505 |
| Net loans and leases to core deposits | 144.9014% | 901 |
| Total domestic deposits to total assets | 83.2130% | 4,039 |
| Equity capital to assets | 9.4116% | 4,793 |
| Core capital (leverage) ratio | 9.2603% | 4,302 |
| Tier 1 risk-based capital ratio | 9.3562% | 7,543 |
| Total risk-based capital ratio | 10.1772% | 7,871 |
| Memoranda: | ||
| Average total assets | $280,443,000 | 2,385 |
| Average earning assets | $270,329,000 | 2,289 |
| Average equity | $25,751,500 | 2,588 |
| Average total loans | $259,030,500 | 1,910 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6628% | 2,187 |
| Cost of funding earning assets | 2.4212% | 4,626 |
| Net interest margin | 4.2416% | 2,152 |
| Noninterest income to average assets | 0.2253% | 6,829 |
| Noninterest expense to average assets | 2.9600% | 4,228 |
| Loan and lease loss provision to assets | 0.8692% | 1,714 |
| Net operating income to assets | 0.4288% | 5,035 |
| Return on assets (ROA) | 0.4288% | 4,852 |
| Pretax return on assets | 0.4288% | 5,182 |
| Return on Equity (ROE) | 4.5289% | 4,585 |
| Retained earnings to average equity (ytd only) | 0.0308% | 5,220 |
| Net charge-offs to loans | 0.5348% | 2,224 |
| Credit loss provision to net charge-offs | 180.7721% | 2,780 |
| Earnings coverage of net charge-offs (x) | 2.6995% | 4,729 |
| Efficiency ratio | 69.5162% | 4,444 |
| Assets per employee ($millions) | 3.8843% | 3,774 |
| Cash dividends to net income (ytd only)* | 99.3209% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 6,589 |
| Loan loss allowance to noncurrent loans | 73.6403% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.1258% | 4,019 |
| Noncurrent loans to loans | 1.2442% | 4,029 |
| Net loans and leases to total assets | 89.6582% | 219 |
| Net loans and leases to deposits | 102.2764% | 1,557 |
| Net loans and leases to core deposits | 126.2158% | 2,147 |
| Total domestic deposits to total assets | 87.6626% | 1,629 |
| Equity capital to assets | 8.9644% | 5,416 |
| Core capital (leverage) ratio | 8.9006% | 4,884 |
| Tier 1 risk-based capital ratio | 9.7808% | 6,973 |
| Total risk-based capital ratio | 10.6921% | 7,286 |
| Memoranda: | ||
| Average total assets | $274,732,400 | 2,348 |
| Average earning assets | $261,197,000 | 2,280 |
| Average equity | $26,011,000 | 2,559 |
| Average total loans | $247,017,600 | 1,923 |