Home > Republic Bank & Trust > Performance and Condition Ratios
Republic Bank & Trust, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7394% | 2,210 |
| Cost of funding earning assets | 0.6016% | 3,631 |
| Net interest margin | 4.1379% | 1,455 |
| Noninterest income to average assets | 1.0428% | 877 |
| Noninterest expense to average assets | 3.3255% | 1,249 |
| Loan and lease loss provision to assets | 0.1575% | 1,334 |
| Net operating income to assets | 1.2016% | 2,051 |
| Return on assets (ROA) | 1.2522% | 1,947 |
| Pretax return on assets | 1.5293% | 1,716 |
| Return on Equity (ROE) | 11.5131% | 1,689 |
| Retained earnings to average equity (ytd only) | 8.7225% | 783 |
| Net charge-offs to loans | 0.1280% | 1,491 |
| Credit loss provision to net charge-offs | 189.8374% | 1,390 |
| Earnings coverage of net charge-offs (x) | 19.5874% | 1,990 |
| Efficiency ratio | 67.1742% | 2,587 |
| Assets per employee ($millions) | 5.5757% | 2,000 |
| Cash dividends to net income (ytd only)* | 24.2392% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9814% | 472 |
| Loan loss allowance to noncurrent loans | 60.7040% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.8942% | 439 |
| Noncurrent loans to loans | 3.2641% | 262 |
| Net loans and leases to total assets | 52.5087% | 4,184 |
| Net loans and leases to deposits | 59.2588% | 4,318 |
| Net loans and leases to core deposits | 63.8411% | 4,284 |
| Total domestic deposits to total assets | 88.6092% | 833 |
| Equity capital to assets | 10.8377% | 3,151 |
| Core capital (leverage) ratio | 11.6652% | 1,986 |
| Tier 1 risk-based capital ratio | 15.1609% | 2,715 |
| Total risk-based capital ratio | 16.4151% | 2,649 |
| Memoranda: | ||
| Average total assets | $593,018,400 | 1,231 |
| Average earning assets | $560,045,200 | 1,215 |
| Average equity | $64,500,200 | 1,307 |
| Average total loans | $384,432,200 | 1,310 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8741% | 1,899 |
| Cost of funding earning assets | 0.6053% | 3,674 |
| Net interest margin | 4.2687% | 1,228 |
| Noninterest income to average assets | 1.0934% | 766 |
| Noninterest expense to average assets | 3.4654% | 988 |
| Loan and lease loss provision to assets | 0.1122% | 1,744 |
| Net operating income to assets | 1.2841% | 1,908 |
| Return on assets (ROA) | 1.3172% | 1,856 |
| Pretax return on assets | 1.5747% | 1,721 |
| Return on Equity (ROE) | 12.0975% | 1,586 |
| Retained earnings to average equity (ytd only) | 10.1539% | 715 |
| Net charge-offs to loans | 0.0644% | 1,898 |
| Credit loss provision to net charge-offs | 255.0802% | 1,075 |
| Earnings coverage of net charge-offs (x) | 37.4648% | 1,426 |
| Efficiency ratio | 67.7796% | 2,457 |
| Assets per employee ($millions) | 4.3336% | 3,434 |
| Cash dividends to net income (ytd only)* | 16.0657% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9216% | 543 |
| Loan loss allowance to noncurrent loans | 59.1124% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 2.2593% | 337 |
| Noncurrent loans to loans | 3.2507% | 271 |
| Net loans and leases to total assets | 62.7521% | 3,413 |
| Net loans and leases to deposits | 71.2355% | 3,666 |
| Net loans and leases to core deposits | 77.8329% | 3,564 |
| Total domestic deposits to total assets | 88.0909% | 1,001 |
| Equity capital to assets | 11.2144% | 2,911 |
| Core capital (leverage) ratio | 10.5793% | 3,025 |
| Tier 1 risk-based capital ratio | 13.1185% | 3,787 |
| Total risk-based capital ratio | 14.3726% | 3,686 |
| Memoranda: | ||
| Average total assets | $567,032,000 | 1,282 |
| Average earning assets | $533,913,500 | 1,270 |
| Average equity | $61,741,500 | 1,354 |
| Average total loans | $387,199,000 | 1,309 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9042% | 1,740 |
| Cost of funding earning assets | 0.5907% | 3,700 |
| Net interest margin | 4.3135% | 1,111 |
| Noninterest income to average assets | 1.0250% | 831 |
| Noninterest expense to average assets | 3.5076% | 950 |
| Loan and lease loss provision to assets | 0.1097% | 1,702 |
| Net operating income to assets | 1.2223% | 2,065 |
| Return on assets (ROA) | 1.2727% | 1,937 |
| Pretax return on assets | 1.5211% | 1,793 |
| Return on Equity (ROE) | 11.8128% | 1,658 |
| Retained earnings to average equity (ytd only) | 11.8128% | 428 |
| Net charge-offs to loans | -0.0220% | 4,571 |
| Credit loss provision to net charge-offs | -713.9535% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0689% | 2,372 |
| Assets per employee ($millions) | 3.9865% | 3,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8951% | 566 |
| Loan loss allowance to noncurrent loans | 61.1125% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 2.2988% | 351 |
| Noncurrent loans to loans | 3.1010% | 318 |
| Net loans and leases to total assets | 66.8113% | 3,000 |
| Net loans and leases to deposits | 75.9798% | 3,336 |
| Net loans and leases to core deposits | 82.9104% | 3,202 |
| Total domestic deposits to total assets | 87.9330% | 1,133 |
| Equity capital to assets | 11.7395% | 2,398 |
| Core capital (leverage) ratio | 10.6198% | 2,964 |
| Tier 1 risk-based capital ratio | 12.5815% | 4,086 |
| Total risk-based capital ratio | 13.8352% | 3,973 |
| Memoranda: | ||
| Average total assets | $559,584,330 | 1,298 |
| Average earning assets | $525,833,330 | 1,283 |
| Average equity | $60,290,330 | 1,372 |
| Average total loans | $390,568,330 | 1,305 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8687% | 1,695 |
| Cost of funding earning assets | 0.5695% | 3,735 |
| Net interest margin | 4.2992% | 1,093 |
| Noninterest income to average assets | 0.9692% | 881 |
| Noninterest expense to average assets | 3.4864% | 986 |
| Loan and lease loss provision to assets | 0.1107% | 1,603 |
| Net operating income to assets | 1.1688% | 2,181 |
| Return on assets (ROA) | 1.2690% | 1,867 |
| Pretax return on assets | 1.5365% | 1,658 |
| Return on Equity (ROE) | 12.3410% | 1,430 |
| Retained earnings to average equity (ytd only) | 12.3410% | 557 |
| Net charge-offs to loans | -0.0692% | 4,925 |
| Credit loss provision to net charge-offs | -226.4706% | 3,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5496% | 2,414 |
| Assets per employee ($millions) | 3.8145% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8361% | 659 |
| Loan loss allowance to noncurrent loans | 69.8113% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.9680% | 508 |
| Noncurrent loans to loans | 2.6301% | 483 |
| Net loans and leases to total assets | 68.9079% | 2,637 |
| Net loans and leases to deposits | 77.3409% | 3,128 |
| Net loans and leases to core deposits | 84.1670% | 3,012 |
| Total domestic deposits to total assets | 89.0963% | 819 |
| Equity capital to assets | 10.6117% | 3,245 |
| Core capital (leverage) ratio | 10.4298% | 3,133 |
| Tier 1 risk-based capital ratio | 12.2939% | 4,303 |
| Total risk-based capital ratio | 13.5475% | 4,161 |
| Memoranda: | ||
| Average total assets | $556,333,000 | 1,306 |
| Average earning assets | $523,263,500 | 1,292 |
| Average equity | $57,207,500 | 1,414 |
| Average total loans | $393,094,500 | 1,305 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8867% | 1,328 |
| Cost of funding earning assets | 0.4835% | 3,458 |
| Net interest margin | 4.4032% | 932 |
| Noninterest income to average assets | 1.2997% | 550 |
| Noninterest expense to average assets | 3.5739% | 903 |
| Loan and lease loss provision to assets | 0.6276% | 177 |
| Net operating income to assets | 1.1390% | 2,435 |
| Return on assets (ROA) | 1.1747% | 2,276 |
| Pretax return on assets | 1.2809% | 2,576 |
| Return on Equity (ROE) | 10.9540% | 2,103 |
| Retained earnings to average equity (ytd only) | -2.6905% | 5,167 |
| Net charge-offs to loans | 0.2754% | 703 |
| Credit loss provision to net charge-offs | 319.2022% | 982 |
| Earnings coverage of net charge-offs (x) | 9.5093% | 2,805 |
| Efficiency ratio | 65.6537% | 2,922 |
| Assets per employee ($millions) | 3.8593% | 4,092 |
| Cash dividends to net income (ytd only)* | 124.5614% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7599% | 735 |
| Loan loss allowance to noncurrent loans | 66.8075% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.9955% | 479 |
| Noncurrent loans to loans | 2.6343% | 441 |
| Net loans and leases to total assets | 69.8689% | 2,579 |
| Net loans and leases to deposits | 77.8765% | 3,179 |
| Net loans and leases to core deposits | 85.5463% | 2,947 |
| Total domestic deposits to total assets | 89.7176% | 569 |
| Equity capital to assets | 9.9535% | 3,725 |
| Core capital (leverage) ratio | 9.8556% | 3,737 |
| Tier 1 risk-based capital ratio | 11.8191% | 4,556 |
| Total risk-based capital ratio | 13.0719% | 4,430 |
| Memoranda: | ||
| Average total assets | $548,287,600 | 1,296 |
| Average earning assets | $515,992,000 | 1,276 |
| Average equity | $58,800,200 | 1,343 |
| Average total loans | $391,430,200 | 1,278 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8235% | 1,366 |
| Cost of funding earning assets | 0.4541% | 3,501 |
| Net interest margin | 4.3695% | 966 |
| Noninterest income to average assets | 1.3086% | 559 |
| Noninterest expense to average assets | 3.5305% | 944 |
| Loan and lease loss provision to assets | 0.1174% | 1,729 |
| Net operating income to assets | 1.5225% | 1,144 |
| Return on assets (ROA) | 1.5668% | 1,037 |
| Pretax return on assets | 1.8283% | 947 |
| Return on Equity (ROE) | 14.3471% | 1,027 |
| Retained earnings to average equity (ytd only) | 10.1867% | 865 |
| Net charge-offs to loans | 0.0044% | 3,292 |
| Credit loss provision to net charge-offs | 3,700.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 597.2539% | 146 |
| Efficiency ratio | 65.0819% | 3,023 |
| Assets per employee ($millions) | 3.7592% | 4,225 |
| Cash dividends to net income (ytd only)* | 28.9985% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 2,123 |
| Loan loss allowance to noncurrent loans | 32.8380% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 2.9367% | 252 |
| Noncurrent loans to loans | 3.9374% | 214 |
| Net loans and leases to total assets | 68.9779% | 2,803 |
| Net loans and leases to deposits | 77.7190% | 3,261 |
| Net loans and leases to core deposits | 86.6481% | 2,947 |
| Total domestic deposits to total assets | 88.7529% | 931 |
| Equity capital to assets | 10.8461% | 2,804 |
| Core capital (leverage) ratio | 11.2215% | 2,398 |
| Tier 1 risk-based capital ratio | 13.3225% | 3,719 |
| Total risk-based capital ratio | 14.4194% | 3,718 |
| Memoranda: | ||
| Average total assets | $546,423,500 | 1,296 |
| Average earning assets | $514,741,000 | 1,281 |
| Average equity | $59,671,250 | 1,327 |
| Average total loans | $390,475,750 | 1,286 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 1,250 |
| Cost of funding earning assets | 0.4283% | 3,510 |
| Net interest margin | 4.3716% | 904 |
| Noninterest income to average assets | 1.2214% | 647 |
| Noninterest expense to average assets | 3.5456% | 933 |
| Loan and lease loss provision to assets | 0.1181% | 1,676 |
| Net operating income to assets | 1.5196% | 1,110 |
| Return on assets (ROA) | 1.5650% | 1,008 |
| Pretax return on assets | 1.7256% | 1,155 |
| Return on Equity (ROE) | 14.2975% | 1,012 |
| Retained earnings to average equity (ytd only) | 9.8363% | 971 |
| Net charge-offs to loans | 0.0236% | 2,398 |
| Credit loss provision to net charge-offs | 695.6522% | 560 |
| Earnings coverage of net charge-offs (x) | 105.6522% | 672 |
| Efficiency ratio | 66.4040% | 2,907 |
| Assets per employee ($millions) | 3.7568% | 4,271 |
| Cash dividends to net income (ytd only)* | 31.2028% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2381% | 2,502 |
| Loan loss allowance to noncurrent loans | 32.2596% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 2.9144% | 259 |
| Noncurrent loans to loans | 3.8378% | 238 |
| Net loans and leases to total assets | 71.7677% | 2,314 |
| Net loans and leases to deposits | 81.0927% | 2,850 |
| Net loans and leases to core deposits | 89.9482% | 2,576 |
| Total domestic deposits to total assets | 88.5008% | 1,143 |
| Equity capital to assets | 11.1428% | 2,512 |
| Core capital (leverage) ratio | 11.0750% | 2,459 |
| Tier 1 risk-based capital ratio | 12.9155% | 3,942 |
| Total risk-based capital ratio | 13.9662% | 3,962 |
| Memoranda: | ||
| Average total assets | $541,856,000 | 1,312 |
| Average earning assets | $510,431,330 | 1,293 |
| Average equity | $59,311,000 | 1,338 |
| Average total loans | $390,159,670 | 1,284 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6849% | 1,342 |
| Cost of funding earning assets | 0.4086% | 3,521 |
| Net interest margin | 4.2763% | 990 |
| Noninterest income to average assets | 1.1160% | 751 |
| Noninterest expense to average assets | 3.4837% | 1,030 |
| Loan and lease loss provision to assets | 0.1202% | 1,570 |
| Net operating income to assets | 1.6404% | 779 |
| Return on assets (ROA) | 1.7400% | 640 |
| Pretax return on assets | 1.6412% | 1,268 |
| Return on Equity (ROE) | 16.0404% | 613 |
| Retained earnings to average equity (ytd only) | 7.0444% | 2,264 |
| Net charge-offs to loans | 0.1060% | 1,140 |
| Credit loss provision to net charge-offs | 158.2524% | 1,199 |
| Earnings coverage of net charge-offs (x) | 21.8738% | 1,420 |
| Efficiency ratio | 67.7036% | 2,880 |
| Assets per employee ($millions) | 3.9547% | 4,054 |
| Cash dividends to net income (ytd only)* | 56.0831% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 2,930 |
| Loan loss allowance to noncurrent loans | 30.1015% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 2.9907% | 272 |
| Noncurrent loans to loans | 3.9220% | 257 |
| Net loans and leases to total assets | 70.8672% | 2,351 |
| Net loans and leases to deposits | 79.5686% | 2,861 |
| Net loans and leases to core deposits | 91.8136% | 2,316 |
| Total domestic deposits to total assets | 89.0643% | 1,066 |
| Equity capital to assets | 10.5880% | 2,982 |
| Core capital (leverage) ratio | 10.8807% | 2,557 |
| Tier 1 risk-based capital ratio | 12.4487% | 4,281 |
| Total risk-based capital ratio | 13.4485% | 4,333 |
| Memoranda: | ||
| Average total assets | $542,296,000 | 1,321 |
| Average earning assets | $511,007,500 | 1,299 |
| Average equity | $58,826,500 | 1,355 |
| Average total loans | $388,683,000 | 1,290 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 909 |
| Cost of funding earning assets | 0.3611% | 3,605 |
| Net interest margin | 4.4770% | 649 |
| Noninterest income to average assets | 1.1535% | 768 |
| Noninterest expense to average assets | 3.6532% | 847 |
| Loan and lease loss provision to assets | 0.1242% | 1,840 |
| Net operating income to assets | 1.5737% | 686 |
| Return on assets (ROA) | 1.7448% | 492 |
| Pretax return on assets | 1.7448% | 907 |
| Return on Equity (ROE) | 16.1305% | 466 |
| Retained earnings to average equity (ytd only) | 8.6076% | 585 |
| Net charge-offs to loans | 0.2152% | 1,205 |
| Credit loss provision to net charge-offs | 79.9014% | 2,944 |
| Earnings coverage of net charge-offs (x) | 10.9211% | 2,622 |
| Efficiency ratio | 68.2704% | 2,842 |
| Assets per employee ($millions) | 3.7145% | 4,412 |
| Cash dividends to net income (ytd only)* | 46.6381% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 2,789 |
| Loan loss allowance to noncurrent loans | 29.6151% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 3.0825% | 254 |
| Noncurrent loans to loans | 4.0477% | 230 |
| Net loans and leases to total assets | 70.7735% | 2,401 |
| Net loans and leases to deposits | 79.8160% | 2,938 |
| Net loans and leases to core deposits | 88.9765% | 2,653 |
| Total domestic deposits to total assets | 88.6709% | 1,164 |
| Equity capital to assets | 11.1145% | 2,523 |
| Core capital (leverage) ratio | 10.7703% | 2,566 |
| Tier 1 risk-based capital ratio | 12.4988% | 4,207 |
| Total risk-based capital ratio | 13.5075% | 4,264 |
| Memoranda: | ||
| Average total assets | $521,649,600 | 1,344 |
| Average earning assets | $489,102,200 | 1,332 |
| Average equity | $56,427,200 | 1,386 |
| Average total loans | $376,860,000 | 1,294 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8861% | 780 |
| Cost of funding earning assets | 0.3497% | 3,670 |
| Net interest margin | 4.5364% | 555 |
| Noninterest income to average assets | 1.1120% | 822 |
| Noninterest expense to average assets | 3.6745% | 791 |
| Loan and lease loss provision to assets | 0.1240% | 1,744 |
| Net operating income to assets | 1.5644% | 776 |
| Return on assets (ROA) | 1.7900% | 487 |
| Pretax return on assets | 1.7900% | 912 |
| Return on Equity (ROE) | 16.6665% | 465 |
| Retained earnings to average equity (ytd only) | 7.3621% | 1,510 |
| Net charge-offs to loans | 0.1076% | 1,711 |
| Credit loss provision to net charge-offs | 159.0759% | 1,611 |
| Earnings coverage of net charge-offs (x) | 21.6634% | 1,904 |
| Efficiency ratio | 68.5165% | 2,783 |
| Assets per employee ($millions) | 3.6175% | 4,565 |
| Cash dividends to net income (ytd only)* | 55.8270% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 2,463 |
| Loan loss allowance to noncurrent loans | 43.7074% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 2.2509% | 527 |
| Noncurrent loans to loans | 2.9286% | 452 |
| Net loans and leases to total assets | 71.5716% | 2,321 |
| Net loans and leases to deposits | 80.5679% | 2,911 |
| Net loans and leases to core deposits | 92.9917% | 2,348 |
| Total domestic deposits to total assets | 88.8339% | 959 |
| Equity capital to assets | 10.8231% | 3,042 |
| Core capital (leverage) ratio | 10.6286% | 2,851 |
| Tier 1 risk-based capital ratio | 12.1087% | 4,543 |
| Total risk-based capital ratio | 13.1926% | 4,545 |
| Memoranda: | ||
| Average total assets | $518,338,250 | 1,362 |
| Average earning assets | $485,717,500 | 1,353 |
| Average equity | $55,671,250 | 1,412 |
| Average total loans | $375,285,750 | 1,308 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9118% | 674 |
| Cost of funding earning assets | 0.3370% | 3,726 |
| Net interest margin | 4.5748% | 499 |
| Noninterest income to average assets | 1.1093% | 814 |
| Noninterest expense to average assets | 3.7057% | 764 |
| Loan and lease loss provision to assets | 0.1238% | 1,671 |
| Net operating income to assets | 1.5600% | 769 |
| Return on assets (ROA) | 1.6868% | 589 |
| Pretax return on assets | 1.6868% | 1,087 |
| Return on Equity (ROE) | 15.7476% | 562 |
| Retained earnings to average equity (ytd only) | 5.3594% | 2,490 |
| Net charge-offs to loans | 0.1135% | 1,500 |
| Credit loss provision to net charge-offs | 150.7109% | 1,515 |
| Earnings coverage of net charge-offs (x) | 20.5024% | 1,793 |
| Efficiency ratio | 68.7586% | 2,880 |
| Assets per employee ($millions) | 3.6261% | 4,538 |
| Cash dividends to net income (ytd only)* | 65.9668% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 2,480 |
| Loan loss allowance to noncurrent loans | 43.9562% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 2.2328% | 530 |
| Noncurrent loans to loans | 2.9280% | 449 |
| Net loans and leases to total assets | 70.9217% | 2,388 |
| Net loans and leases to deposits | 79.7963% | 2,932 |
| Net loans and leases to core deposits | 90.6604% | 2,464 |
| Total domestic deposits to total assets | 88.8785% | 1,018 |
| Equity capital to assets | 10.8513% | 2,962 |
| Core capital (leverage) ratio | 10.5171% | 2,890 |
| Tier 1 risk-based capital ratio | 11.8952% | 4,701 |
| Total risk-based capital ratio | 12.9756% | 4,705 |
| Memoranda: | ||
| Average total assets | $513,858,330 | 1,378 |
| Average earning assets | $480,760,670 | 1,369 |
| Average equity | $55,043,330 | 1,427 |
| Average total loans | $371,868,670 | 1,318 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7693% | 800 |
| Cost of funding earning assets | 0.3378% | 3,664 |
| Net interest margin | 4.4315% | 602 |
| Noninterest income to average assets | 1.0861% | 843 |
| Noninterest expense to average assets | 3.7638% | 708 |
| Loan and lease loss provision to assets | 0.1213% | 1,579 |
| Net operating income to assets | 1.3444% | 1,125 |
| Return on assets (ROA) | 1.5200% | 808 |
| Pretax return on assets | 1.5200% | 1,475 |
| Return on Equity (ROE) | 14.2864% | 752 |
| Retained earnings to average equity (ytd only) | 8.6533% | 1,206 |
| Net charge-offs to loans | 0.1420% | 1,088 |
| Credit loss provision to net charge-offs | 117.5573% | 1,419 |
| Earnings coverage of net charge-offs (x) | 14.2061% | 1,737 |
| Efficiency ratio | 71.9729% | 2,582 |
| Assets per employee ($millions) | 3.5152% | 4,774 |
| Cash dividends to net income (ytd only)* | 39.4301% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 2,528 |
| Loan loss allowance to noncurrent loans | 42.2024% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 2.3240% | 524 |
| Noncurrent loans to loans | 3.0840% | 438 |
| Net loans and leases to total assets | 70.1346% | 2,356 |
| Net loans and leases to deposits | 78.6540% | 2,903 |
| Net loans and leases to core deposits | 89.3901% | 2,411 |
| Total domestic deposits to total assets | 89.1684% | 1,065 |
| Equity capital to assets | 10.5842% | 3,080 |
| Core capital (leverage) ratio | 10.6142% | 2,775 |
| Tier 1 risk-based capital ratio | 12.1551% | 4,618 |
| Total risk-based capital ratio | 13.2465% | 4,612 |
| Memoranda: | ||
| Average total assets | $507,892,000 | 1,399 |
| Average earning assets | $474,868,000 | 1,393 |
| Average equity | $54,037,500 | 1,441 |
| Average total loans | $368,922,000 | 1,339 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7337% | 998 |
| Cost of funding earning assets | 0.3172% | 3,878 |
| Net interest margin | 4.4165% | 748 |
| Noninterest income to average assets | 1.3154% | 658 |
| Noninterest expense to average assets | 3.7032% | 879 |
| Loan and lease loss provision to assets | 0.1253% | 1,980 |
| Net operating income to assets | 1.6040% | 674 |
| Return on assets (ROA) | 1.7060% | 564 |
| Pretax return on assets | 1.7060% | 987 |
| Return on Equity (ROE) | 16.0273% | 507 |
| Retained earnings to average equity (ytd only) | 8.2005% | 786 |
| Net charge-offs to loans | 0.1279% | 1,965 |
| Credit loss provision to net charge-offs | 136.9565% | 1,986 |
| Earnings coverage of net charge-offs (x) | 18.9022% | 1,940 |
| Efficiency ratio | 68.1677% | 3,206 |
| Assets per employee ($millions) | 3.3949% | 4,911 |
| Cash dividends to net income (ytd only)* | 48.8342% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 2,636 |
| Loan loss allowance to noncurrent loans | 40.4250% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 2.4935% | 478 |
| Noncurrent loans to loans | 3.1741% | 407 |
| Net loans and leases to total assets | 73.3193% | 1,956 |
| Net loans and leases to deposits | 83.4608% | 2,481 |
| Net loans and leases to core deposits | 92.5676% | 2,244 |
| Total domestic deposits to total assets | 87.8488% | 1,712 |
| Equity capital to assets | 10.6969% | 2,928 |
| Core capital (leverage) ratio | 10.1320% | 3,325 |
| Tier 1 risk-based capital ratio | 11.5948% | 4,990 |
| Total risk-based capital ratio | 12.6541% | 5,016 |
| Memoranda: | ||
| Average total assets | $502,810,200 | 1,368 |
| Average earning assets | $468,721,000 | 1,353 |
| Average equity | $53,521,200 | 1,437 |
| Average total loans | $359,616,200 | 1,307 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6724% | 1,126 |
| Cost of funding earning assets | 0.3104% | 3,971 |
| Net interest margin | 4.3620% | 832 |
| Noninterest income to average assets | 1.3191% | 672 |
| Noninterest expense to average assets | 3.6620% | 906 |
| Loan and lease loss provision to assets | 0.1233% | 1,890 |
| Net operating income to assets | 1.5994% | 731 |
| Return on assets (ROA) | 1.6473% | 697 |
| Pretax return on assets | 1.6473% | 1,257 |
| Return on Equity (ROE) | 15.4950% | 614 |
| Retained earnings to average equity (ytd only) | 5.0663% | 2,782 |
| Net charge-offs to loans | 0.0097% | 3,586 |
| Credit loss provision to net charge-offs | 1,792.3077% | 263 |
| Earnings coverage of net charge-offs (x) | 250.3158% | 320 |
| Efficiency ratio | 68.0069% | 3,224 |
| Assets per employee ($millions) | 3.5614% | 4,701 |
| Cash dividends to net income (ytd only)* | 67.3039% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 2,374 |
| Loan loss allowance to noncurrent loans | 41.9393% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 2.4483% | 565 |
| Noncurrent loans to loans | 3.2495% | 431 |
| Net loans and leases to total assets | 70.9309% | 2,356 |
| Net loans and leases to deposits | 79.7181% | 3,002 |
| Net loans and leases to core deposits | 91.3402% | 2,450 |
| Total domestic deposits to total assets | 88.9771% | 922 |
| Equity capital to assets | 10.7017% | 3,352 |
| Core capital (leverage) ratio | 9.8976% | 3,699 |
| Tier 1 risk-based capital ratio | 11.0853% | 5,326 |
| Total risk-based capital ratio | 12.2062% | 5,306 |
| Memoranda: | ||
| Average total assets | $503,749,500 | 1,369 |
| Average earning assets | $469,524,000 | 1,350 |
| Average equity | $53,555,750 | 1,443 |
| Average total loans | $356,850,000 | 1,314 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 1,233 |
| Cost of funding earning assets | 0.3094% | 4,023 |
| Net interest margin | 4.3124% | 898 |
| Noninterest income to average assets | 1.2654% | 712 |
| Noninterest expense to average assets | 3.6396% | 951 |
| Loan and lease loss provision to assets | 0.1222% | 1,868 |
| Net operating income to assets | 1.5282% | 846 |
| Return on assets (ROA) | 1.5634% | 827 |
| Pretax return on assets | 1.5634% | 1,482 |
| Return on Equity (ROE) | 14.7383% | 715 |
| Retained earnings to average equity (ytd only) | 2.4965% | 4,293 |
| Net charge-offs to loans | 0.0091% | 3,395 |
| Credit loss provision to net charge-offs | 1,912.5000% | 216 |
| Earnings coverage of net charge-offs (x) | 258.2500% | 262 |
| Efficiency ratio | 68.8010% | 3,192 |
| Assets per employee ($millions) | 3.4219% | 4,885 |
| Cash dividends to net income (ytd only)* | 83.0608% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 2,505 |
| Loan loss allowance to noncurrent loans | 41.0749% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 2.4560% | 572 |
| Noncurrent loans to loans | 3.2994% | 419 |
| Net loans and leases to total assets | 69.6112% | 2,532 |
| Net loans and leases to deposits | 78.1709% | 3,138 |
| Net loans and leases to core deposits | 90.6428% | 2,473 |
| Total domestic deposits to total assets | 89.0500% | 895 |
| Equity capital to assets | 10.6611% | 3,454 |
| Core capital (leverage) ratio | 9.6425% | 4,008 |
| Tier 1 risk-based capital ratio | 10.8500% | 5,503 |
| Total risk-based capital ratio | 11.9446% | 5,502 |
| Memoranda: | ||
| Average total assets | $500,718,330 | 1,383 |
| Average earning assets | $467,308,670 | 1,360 |
| Average equity | $53,113,330 | 1,455 |
| Average total loans | $352,870,000 | 1,325 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6417% | 1,161 |
| Cost of funding earning assets | 0.3071% | 4,088 |
| Net interest margin | 4.3346% | 860 |
| Noninterest income to average assets | 1.1593% | 822 |
| Noninterest expense to average assets | 3.5877% | 1,038 |
| Loan and lease loss provision to assets | 0.1258% | 1,686 |
| Net operating income to assets | 1.4963% | 860 |
| Return on assets (ROA) | 1.5125% | 874 |
| Pretax return on assets | 1.5125% | 1,543 |
| Return on Equity (ROE) | 14.2956% | 783 |
| Retained earnings to average equity (ytd only) | 1.9584% | 4,469 |
| Net charge-offs to loans | 0.0092% | 2,821 |
| Credit loss provision to net charge-offs | 1,950.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 251.5000% | 244 |
| Efficiency ratio | 68.8641% | 3,315 |
| Assets per employee ($millions) | 3.4306% | 4,917 |
| Cash dividends to net income (ytd only)* | 86.3006% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3432% | 2,692 |
| Loan loss allowance to noncurrent loans | 39.7048% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 2.3751% | 650 |
| Noncurrent loans to loans | 3.3830% | 422 |
| Net loans and leases to total assets | 68.4825% | 2,585 |
| Net loans and leases to deposits | 76.6149% | 3,155 |
| Net loans and leases to core deposits | 89.3041% | 2,440 |
| Total domestic deposits to total assets | 89.3854% | 900 |
| Equity capital to assets | 10.3777% | 3,642 |
| Core capital (leverage) ratio | 9.7250% | 3,881 |
| Tier 1 risk-based capital ratio | 11.0176% | 5,492 |
| Total risk-based capital ratio | 12.1059% | 5,483 |
| Memoranda: | ||
| Average total assets | $496,146,500 | 1,391 |
| Average earning assets | $463,621,500 | 1,374 |
| Average equity | $52,491,500 | 1,468 |
| Average total loans | $349,406,500 | 1,335 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7456% | 1,019 |
| Cost of funding earning assets | 0.2967% | 4,284 |
| Net interest margin | 4.4488% | 716 |
| Noninterest income to average assets | 1.4277% | 594 |
| Noninterest expense to average assets | 3.6882% | 996 |
| Loan and lease loss provision to assets | 0.1306% | 1,831 |
| Net operating income to assets | 1.7579% | 520 |
| Return on assets (ROA) | 1.7991% | 498 |
| Pretax return on assets | 1.7991% | 810 |
| Return on Equity (ROE) | 17.3079% | 428 |
| Retained earnings to average equity (ytd only) | 7.9362% | 938 |
| Net charge-offs to loans | -0.0048% | 4,968 |
| Credit loss provision to net charge-offs | -3,906.2500% | 5,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1357% | 3,885 |
| Assets per employee ($millions) | 3.3418% | 5,082 |
| Cash dividends to net income (ytd only)* | 54.1473% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 2,778 |
| Loan loss allowance to noncurrent loans | 72.4830% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.3057% | 1,629 |
| Noncurrent loans to loans | 1.8267% | 1,190 |
| Net loans and leases to total assets | 70.5351% | 2,289 |
| Net loans and leases to deposits | 79.1856% | 2,920 |
| Net loans and leases to core deposits | 88.9928% | 2,503 |
| Total domestic deposits to total assets | 89.0756% | 1,081 |
| Equity capital to assets | 10.7917% | 3,039 |
| Core capital (leverage) ratio | 9.6588% | 3,963 |
| Tier 1 risk-based capital ratio | 11.4353% | 5,296 |
| Total risk-based capital ratio | 12.5353% | 5,277 |
| Memoranda: | ||
| Average total assets | $478,467,000 | 1,416 |
| Average earning assets | $446,228,000 | 1,391 |
| Average equity | $49,734,400 | 1,499 |
| Average total loans | $332,646,600 | 1,346 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7036% | 1,097 |
| Cost of funding earning assets | 0.2961% | 4,381 |
| Net interest margin | 4.4075% | 782 |
| Noninterest income to average assets | 1.4889% | 558 |
| Noninterest expense to average assets | 3.6311% | 1,067 |
| Loan and lease loss provision to assets | 0.1297% | 1,740 |
| Net operating income to assets | 1.8389% | 476 |
| Return on assets (ROA) | 1.8674% | 473 |
| Pretax return on assets | 1.8674% | 772 |
| Return on Equity (ROE) | 18.1412% | 394 |
| Retained earnings to average equity (ytd only) | 6.8138% | 1,780 |
| Net charge-offs to loans | -0.0616% | 5,610 |
| Credit loss provision to net charge-offs | -305.2632% | 5,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8445% | 4,092 |
| Assets per employee ($millions) | 3.5049% | 4,780 |
| Cash dividends to net income (ytd only)* | 62.4401% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 2,820 |
| Loan loss allowance to noncurrent loans | 72.8478% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.2760% | 1,831 |
| Noncurrent loans to loans | 1.8610% | 1,255 |
| Net loans and leases to total assets | 67.6332% | 2,746 |
| Net loans and leases to deposits | 75.6057% | 3,352 |
| Net loans and leases to core deposits | 86.4336% | 2,804 |
| Total domestic deposits to total assets | 89.4552% | 793 |
| Equity capital to assets | 10.2244% | 3,899 |
| Core capital (leverage) ratio | 9.5514% | 4,237 |
| Tier 1 risk-based capital ratio | 11.7873% | 5,214 |
| Total risk-based capital ratio | 12.9501% | 5,185 |
| Memoranda: | ||
| Average total assets | $476,944,000 | 1,420 |
| Average earning assets | $444,839,250 | 1,400 |
| Average equity | $49,095,000 | 1,525 |
| Average total loans | $329,215,750 | 1,360 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7406% | 1,003 |
| Cost of funding earning assets | 0.2988% | 4,408 |
| Net interest margin | 4.4418% | 703 |
| Noninterest income to average assets | 1.5111% | 561 |
| Noninterest expense to average assets | 3.6591% | 1,038 |
| Loan and lease loss provision to assets | 0.1313% | 1,676 |
| Net operating income to assets | 1.8554% | 461 |
| Return on assets (ROA) | 1.8744% | 466 |
| Pretax return on assets | 1.8744% | 778 |
| Return on Equity (ROE) | 18.1670% | 405 |
| Retained earnings to average equity (ytd only) | 7.3497% | 1,545 |
| Net charge-offs to loans | -0.0704% | 5,666 |
| Credit loss provision to net charge-offs | -269.5652% | 5,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8118% | 4,225 |
| Assets per employee ($millions) | 3.5240% | 4,743 |
| Cash dividends to net income (ytd only)* | 59.5437% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 3,308 |
| Loan loss allowance to noncurrent loans | 71.6276% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.2824% | 1,965 |
| Noncurrent loans to loans | 1.7996% | 1,422 |
| Net loans and leases to total assets | 70.3437% | 2,267 |
| Net loans and leases to deposits | 78.6931% | 2,940 |
| Net loans and leases to core deposits | 89.7263% | 2,378 |
| Total domestic deposits to total assets | 89.3900% | 955 |
| Equity capital to assets | 10.3016% | 3,691 |
| Core capital (leverage) ratio | 9.7312% | 3,963 |
| Tier 1 risk-based capital ratio | 11.6781% | 5,352 |
| Total risk-based capital ratio | 12.7994% | 5,352 |
| Memoranda: | ||
| Average total assets | $472,362,670 | 1,440 |
| Average earning assets | $439,690,000 | 1,427 |
| Average equity | $48,736,670 | 1,541 |
| Average total loans | $326,811,330 | 1,371 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6988% | 1,035 |
| Cost of funding earning assets | 0.2950% | 4,496 |
| Net interest margin | 4.4038% | 724 |
| Noninterest income to average assets | 1.2501% | 730 |
| Noninterest expense to average assets | 3.6084% | 1,125 |
| Loan and lease loss provision to assets | 0.1292% | 1,608 |
| Net operating income to assets | 1.6351% | 670 |
| Return on assets (ROA) | 1.6351% | 702 |
| Pretax return on assets | 1.6351% | 1,180 |
| Return on Equity (ROE) | 15.8352% | 589 |
| Retained earnings to average equity (ytd only) | 3.9259% | 3,643 |
| Net charge-offs to loans | -0.1983% | 6,058 |
| Credit loss provision to net charge-offs | -95.5975% | 4,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1623% | 3,964 |
| Assets per employee ($millions) | 3.5716% | 4,776 |
| Cash dividends to net income (ytd only)* | 75.2079% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 3,499 |
| Loan loss allowance to noncurrent loans | 130.7929% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.6850% | 3,436 |
| Noncurrent loans to loans | 0.9810% | 2,805 |
| Net loans and leases to total assets | 68.9300% | 2,299 |
| Net loans and leases to deposits | 77.0625% | 2,937 |
| Net loans and leases to core deposits | 89.3017% | 2,201 |
| Total domestic deposits to total assets | 89.4469% | 1,021 |
| Equity capital to assets | 10.3097% | 3,766 |
| Core capital (leverage) ratio | 9.5457% | 4,208 |
| Tier 1 risk-based capital ratio | 11.3707% | 5,620 |
| Total risk-based capital ratio | 12.4658% | 5,622 |
| Memoranda: | ||
| Average total assets | $470,673,500 | 1,449 |
| Average earning assets | $440,620,500 | 1,428 |
| Average equity | $48,600,500 | 1,551 |
| Average total loans | $320,705,000 | 1,397 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7802% | 1,152 |
| Cost of funding earning assets | 0.2874% | 4,927 |
| Net interest margin | 4.4927% | 759 |
| Noninterest income to average assets | 1.3024% | 719 |
| Noninterest expense to average assets | 3.7237% | 1,109 |
| Loan and lease loss provision to assets | 0.1406% | 1,886 |
| Net operating income to assets | 1.6238% | 674 |
| Return on assets (ROA) | 1.7137% | 586 |
| Pretax return on assets | 1.7137% | 958 |
| Return on Equity (ROE) | 17.2924% | 460 |
| Retained earnings to average equity (ytd only) | 7.2169% | 1,310 |
| Net charge-offs to loans | -0.0232% | 5,726 |
| Credit loss provision to net charge-offs | -894.3662% | 5,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8505% | 3,921 |
| Assets per employee ($millions) | 3.5871% | 4,744 |
| Cash dividends to net income (ytd only)* | 58.2655% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 3,574 |
| Loan loss allowance to noncurrent loans | 122.5155% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.6905% | 3,505 |
| Noncurrent loans to loans | 1.0396% | 2,746 |
| Net loans and leases to total assets | 65.5715% | 2,967 |
| Net loans and leases to deposits | 73.3142% | 3,513 |
| Net loans and leases to core deposits | 83.9976% | 2,900 |
| Total domestic deposits to total assets | 89.4390% | 997 |
| Equity capital to assets | 10.3421% | 3,674 |
| Core capital (leverage) ratio | 9.5599% | 4,163 |
| Tier 1 risk-based capital ratio | 12.2378% | 5,200 |
| Total risk-based capital ratio | 13.3421% | 5,209 |
| Memoranda: | ||
| Average total assets | $451,482,400 | 1,474 |
| Average earning assets | $420,634,400 | 1,461 |
| Average equity | $44,742,200 | 1,615 |
| Average total loans | $305,926,400 | 1,403 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8278% | 1,059 |
| Cost of funding earning assets | 0.2854% | 5,040 |
| Net interest margin | 4.5424% | 690 |
| Noninterest income to average assets | 1.2914% | 730 |
| Noninterest expense to average assets | 3.7042% | 1,112 |
| Loan and lease loss provision to assets | 0.1394% | 1,792 |
| Net operating income to assets | 1.6746% | 645 |
| Return on assets (ROA) | 1.7955% | 529 |
| Pretax return on assets | 1.7955% | 903 |
| Return on Equity (ROE) | 18.3261% | 412 |
| Retained earnings to average equity (ytd only) | 5.4766% | 2,779 |
| Net charge-offs to loans | -0.0297% | 5,737 |
| Credit loss provision to net charge-offs | -688.2353% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1271% | 4,022 |
| Assets per employee ($millions) | 3.4947% | 4,870 |
| Cash dividends to net income (ytd only)* | 70.1160% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 4,193 |
| Loan loss allowance to noncurrent loans | 123.0117% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 3,789 |
| Noncurrent loans to loans | 0.9798% | 3,111 |
| Net loans and leases to total assets | 68.6223% | 2,446 |
| Net loans and leases to deposits | 76.7951% | 3,094 |
| Net loans and leases to core deposits | 86.6692% | 2,587 |
| Total domestic deposits to total assets | 89.3576% | 1,045 |
| Equity capital to assets | 10.2804% | 3,811 |
| Core capital (leverage) ratio | 9.5599% | 4,293 |
| Tier 1 risk-based capital ratio | 11.8859% | 5,566 |
| Total risk-based capital ratio | 12.9465% | 5,591 |
| Memoranda: | ||
| Average total assets | $447,770,750 | 1,494 |
| Average earning assets | $416,656,250 | 1,482 |
| Average equity | $43,870,750 | 1,650 |
| Average total loans | $304,977,000 | 1,416 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8078% | 1,053 |
| Cost of funding earning assets | 0.2835% | 5,147 |
| Net interest margin | 4.5243% | 674 |
| Noninterest income to average assets | 1.2145% | 792 |
| Noninterest expense to average assets | 3.6499% | 1,208 |
| Loan and lease loss provision to assets | 0.1388% | 1,785 |
| Net operating income to assets | 1.6264% | 665 |
| Return on assets (ROA) | 1.8082% | 500 |
| Pretax return on assets | 1.8082% | 828 |
| Return on Equity (ROE) | 18.7661% | 384 |
| Retained earnings to average equity (ytd only) | 3.0897% | 4,237 |
| Net charge-offs to loans | -0.0285% | 5,665 |
| Credit loss provision to net charge-offs | -720.9302% | 5,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4024% | 4,133 |
| Assets per employee ($millions) | 3.4606% | 4,920 |
| Cash dividends to net income (ytd only)* | 83.5355% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 4,547 |
| Loan loss allowance to noncurrent loans | 119.4149% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.6825% | 3,944 |
| Noncurrent loans to loans | 0.9826% | 3,270 |
| Net loans and leases to total assets | 68.3026% | 2,369 |
| Net loans and leases to deposits | 76.2161% | 3,028 |
| Net loans and leases to core deposits | 86.7014% | 2,448 |
| Total domestic deposits to total assets | 89.6170% | 1,006 |
| Equity capital to assets | 10.0661% | 4,013 |
| Core capital (leverage) ratio | 9.4102% | 4,455 |
| Tier 1 risk-based capital ratio | 11.7447% | 5,670 |
| Total risk-based capital ratio | 12.7698% | 5,743 |
| Memoranda: | ||
| Average total assets | $446,754,330 | 1,496 |
| Average earning assets | $414,781,670 | 1,483 |
| Average equity | $43,045,670 | 1,661 |
| Average total loans | $302,257,000 | 1,422 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7506% | 1,146 |
| Cost of funding earning assets | 0.2840% | 5,231 |
| Net interest margin | 4.4666% | 701 |
| Noninterest income to average assets | 1.0904% | 938 |
| Noninterest expense to average assets | 3.6144% | 1,284 |
| Loan and lease loss provision to assets | 0.1373% | 1,764 |
| Net operating income to assets | 1.4898% | 838 |
| Return on assets (ROA) | 1.8589% | 458 |
| Pretax return on assets | 1.8589% | 714 |
| Return on Equity (ROE) | 19.7282% | 307 |
| Retained earnings to average equity (ytd only) | 4.2390% | 3,590 |
| Net charge-offs to loans | -0.0186% | 5,320 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9573% | 4,008 |
| Assets per employee ($millions) | 3.5544% | 4,824 |
| Cash dividends to net income (ytd only)* | 78.5132% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 5,011 |
| Loan loss allowance to noncurrent loans | 110.8689% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.6862% | 4,048 |
| Noncurrent loans to loans | 1.0148% | 3,392 |
| Net loans and leases to total assets | 66.8523% | 2,420 |
| Net loans and leases to deposits | 74.1478% | 3,045 |
| Net loans and leases to core deposits | 84.4118% | 2,471 |
| Total domestic deposits to total assets | 90.1609% | 990 |
| Equity capital to assets | 9.6087% | 4,344 |
| Core capital (leverage) ratio | 9.4011% | 4,420 |
| Tier 1 risk-based capital ratio | 11.8166% | 5,751 |
| Total risk-based capital ratio | 12.8000% | 5,838 |
| Memoranda: | ||
| Average total assets | $448,654,500 | 1,490 |
| Average earning assets | $416,960,000 | 1,480 |
| Average equity | $42,274,500 | 1,693 |
| Average total loans | $300,315,000 | 1,440 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5646% | 1,984 |
| Cost of funding earning assets | 0.3095% | 5,523 |
| Net interest margin | 4.2551% | 1,208 |
| Noninterest income to average assets | 1.4673% | 649 |
| Noninterest expense to average assets | 3.6853% | 1,307 |
| Loan and lease loss provision to assets | 0.2521% | 1,430 |
| Net operating income to assets | 1.4813% | 855 |
| Return on assets (ROA) | 1.5023% | 857 |
| Pretax return on assets | 1.5023% | 1,440 |
| Return on Equity (ROE) | 15.8493% | 639 |
| Retained earnings to average equity (ytd only) | 8.6308% | 866 |
| Net charge-offs to loans | 0.3592% | 1,880 |
| Credit loss provision to net charge-offs | 110.2378% | 2,182 |
| Earnings coverage of net charge-offs (x) | 7.5791% | 2,811 |
| Efficiency ratio | 68.0110% | 4,196 |
| Assets per employee ($millions) | 3.4841% | 4,926 |
| Cash dividends to net income (ytd only)* | 45.5447% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 5,211 |
| Loan loss allowance to noncurrent loans | 99.7229% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 0.7227% | 4,072 |
| Noncurrent loans to loans | 1.0906% | 3,353 |
| Net loans and leases to total assets | 65.5423% | 2,764 |
| Net loans and leases to deposits | 72.3639% | 3,478 |
| Net loans and leases to core deposits | 82.8919% | 2,787 |
| Total domestic deposits to total assets | 90.5732% | 771 |
| Equity capital to assets | 9.2370% | 4,766 |
| Core capital (leverage) ratio | 9.4169% | 4,391 |
| Tier 1 risk-based capital ratio | 11.9702% | 5,631 |
| Total risk-based capital ratio | 12.9277% | 5,746 |
| Memoranda: | ||
| Average total assets | $422,817,600 | 1,566 |
| Average earning assets | $392,631,400 | 1,538 |
| Average equity | $40,077,600 | 1,742 |
| Average total loans | $269,230,000 | 1,554 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4995% | 2,229 |
| Cost of funding earning assets | 0.3173% | 5,575 |
| Net interest margin | 4.1822% | 1,389 |
| Noninterest income to average assets | 1.5670% | 599 |
| Noninterest expense to average assets | 3.7482% | 1,167 |
| Loan and lease loss provision to assets | 0.1951% | 1,867 |
| Net operating income to assets | 1.5042% | 890 |
| Return on assets (ROA) | 1.5327% | 890 |
| Pretax return on assets | 1.5327% | 1,515 |
| Return on Equity (ROE) | 16.0595% | 644 |
| Retained earnings to average equity (ytd only) | 6.3446% | 2,216 |
| Net charge-offs to loans | 0.2808% | 2,140 |
| Credit loss provision to net charge-offs | 110.3261% | 2,138 |
| Earnings coverage of net charge-offs (x) | 9.6087% | 2,464 |
| Efficiency ratio | 68.8055% | 3,947 |
| Assets per employee ($millions) | 3.2644% | 5,353 |
| Cash dividends to net income (ytd only)* | 60.4933% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 5,163 |
| Loan loss allowance to noncurrent loans | 94.4182% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.7979% | 4,109 |
| Noncurrent loans to loans | 1.2076% | 3,405 |
| Net loans and leases to total assets | 65.3205% | 2,749 |
| Net loans and leases to deposits | 72.3386% | 3,469 |
| Net loans and leases to core deposits | 83.9201% | 2,662 |
| Total domestic deposits to total assets | 90.2982% | 840 |
| Equity capital to assets | 9.3877% | 4,693 |
| Core capital (leverage) ratio | 9.3034% | 4,690 |
| Tier 1 risk-based capital ratio | 12.0591% | 5,745 |
| Total risk-based capital ratio | 13.0496% | 5,855 |
| Memoranda: | ||
| Average total assets | $416,158,750 | 1,594 |
| Average earning assets | $386,135,000 | 1,572 |
| Average equity | $39,718,000 | 1,767 |
| Average total loans | $262,082,250 | 1,592 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 2,671 |
| Cost of funding earning assets | 0.3211% | 5,657 |
| Net interest margin | 4.0517% | 1,689 |
| Noninterest income to average assets | 1.5500% | 658 |
| Noninterest expense to average assets | 3.7173% | 1,225 |
| Loan and lease loss provision to assets | 0.2220% | 1,709 |
| Net operating income to assets | 1.3705% | 1,140 |
| Return on assets (ROA) | 1.4078% | 1,147 |
| Pretax return on assets | 1.4078% | 1,904 |
| Return on Equity (ROE) | 14.6681% | 878 |
| Retained earnings to average equity (ytd only) | 3.1907% | 4,282 |
| Net charge-offs to loans | 0.4618% | 1,430 |
| Credit loss provision to net charge-offs | 77.6650% | 2,673 |
| Earnings coverage of net charge-offs (x) | 5.5702% | 2,865 |
| Efficiency ratio | 70.0073% | 3,824 |
| Assets per employee ($millions) | 3.2608% | 5,348 |
| Cash dividends to net income (ytd only)* | 78.2474% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 5,389 |
| Loan loss allowance to noncurrent loans | 84.6847% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.8379% | 4,143 |
| Noncurrent loans to loans | 1.3136% | 3,362 |
| Net loans and leases to total assets | 63.0812% | 3,088 |
| Net loans and leases to deposits | 69.7471% | 3,749 |
| Net loans and leases to core deposits | 81.1710% | 2,894 |
| Total domestic deposits to total assets | 90.4427% | 786 |
| Equity capital to assets | 9.2853% | 4,878 |
| Core capital (leverage) ratio | 9.2902% | 4,559 |
| Tier 1 risk-based capital ratio | 12.1216% | 5,724 |
| Total risk-based capital ratio | 13.0897% | 5,844 |
| Memoranda: | ||
| Average total assets | $413,423,000 | 1,605 |
| Average earning assets | $383,644,330 | 1,581 |
| Average equity | $39,678,000 | 1,775 |
| Average total loans | $255,978,000 | 1,621 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 2,839 |
| Cost of funding earning assets | 0.3321% | 5,698 |
| Net interest margin | 3.9815% | 1,857 |
| Noninterest income to average assets | 1.4836% | 703 |
| Noninterest expense to average assets | 3.6719% | 1,290 |
| Loan and lease loss provision to assets | 0.3028% | 1,136 |
| Net operating income to assets | 1.1985% | 1,532 |
| Return on assets (ROA) | 1.2739% | 1,444 |
| Pretax return on assets | 1.2739% | 2,319 |
| Return on Equity (ROE) | 13.0532% | 1,157 |
| Retained earnings to average equity (ytd only) | -2.7813% | 6,167 |
| Net charge-offs to loans | 0.0627% | 3,193 |
| Credit loss provision to net charge-offs | 792.3077% | 375 |
| Earnings coverage of net charge-offs (x) | 39.2821% | 801 |
| Efficiency ratio | 70.9794% | 3,790 |
| Assets per employee ($millions) | 3.1443% | 5,735 |
| Cash dividends to net income (ytd only)* | 121.3077% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 4,407 |
| Loan loss allowance to noncurrent loans | 86.6582% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 0.9701% | 3,991 |
| Noncurrent loans to loans | 1.5740% | 3,172 |
| Net loans and leases to total assets | 60.7946% | 3,290 |
| Net loans and leases to deposits | 67.5358% | 3,830 |
| Net loans and leases to core deposits | 80.3193% | 2,773 |
| Total domestic deposits to total assets | 90.0183% | 1,036 |
| Equity capital to assets | 9.7608% | 4,479 |
| Core capital (leverage) ratio | 9.0502% | 4,805 |
| Tier 1 risk-based capital ratio | 12.8307% | 5,356 |
| Total risk-based capital ratio | 14.0211% | 5,331 |
| Memoranda: | ||
| Average total assets | $408,185,500 | 1,643 |
| Average earning assets | $378,250,000 | 1,617 |
| Average equity | $39,837,000 | 1,785 |
| Average total loans | $248,763,000 | 1,671 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7241% | 2,498 |
| Cost of funding earning assets | 0.4170% | 5,809 |
| Net interest margin | 4.3071% | 1,389 |
| Noninterest income to average assets | 2.0064% | 434 |
| Noninterest expense to average assets | 3.9841% | 993 |
| Loan and lease loss provision to assets | 0.0469% | 5,248 |
| Net operating income to assets | 1.9295% | 411 |
| Return on assets (ROA) | 1.9295% | 449 |
| Pretax return on assets | 1.9295% | 700 |
| Return on Equity (ROE) | 20.8222% | 269 |
| Retained earnings to average equity (ytd only) | 11.2281% | 414 |
| Net charge-offs to loans | 0.2565% | 3,402 |
| Credit loss provision to net charge-offs | 29.7125% | 5,116 |
| Earnings coverage of net charge-offs (x) | 12.5112% | 1,919 |
| Efficiency ratio | 66.8417% | 4,353 |
| Assets per employee ($millions) | 3.2091% | 5,603 |
| Cash dividends to net income (ytd only)* | 46.0764% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 4,786 |
| Loan loss allowance to noncurrent loans | 183.4696% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.4168% | 5,444 |
| Noncurrent loans to loans | 0.6916% | 4,809 |
| Net loans and leases to total assets | 59.4960% | 3,683 |
| Net loans and leases to deposits | 66.1097% | 4,268 |
| Net loans and leases to core deposits | 77.4770% | 3,338 |
| Total domestic deposits to total assets | 89.9958% | 954 |
| Equity capital to assets | 9.7583% | 4,516 |
| Core capital (leverage) ratio | 9.4772% | 4,137 |
| Tier 1 risk-based capital ratio | 13.1072% | 5,031 |
| Total risk-based capital ratio | 14.2190% | 5,069 |
| Memoranda: | ||
| Average total assets | $396,277,200 | 1,651 |
| Average earning assets | $363,796,200 | 1,644 |
| Average equity | $36,720,400 | 1,892 |
| Average total loans | $244,053,400 | 1,692 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7433% | 2,611 |
| Cost of funding earning assets | 0.4298% | 5,936 |
| Net interest margin | 4.3135% | 1,433 |
| Noninterest income to average assets | 1.8846% | 455 |
| Noninterest expense to average assets | 4.0431% | 886 |
| Loan and lease loss provision to assets | 0.0557% | 5,040 |
| Net operating income to assets | 1.7392% | 642 |
| Return on assets (ROA) | 1.7392% | 706 |
| Pretax return on assets | 1.7392% | 1,185 |
| Return on Equity (ROE) | 19.0335% | 393 |
| Retained earnings to average equity (ytd only) | 5.9419% | 2,736 |
| Net charge-offs to loans | -0.3322% | 7,060 |
| Credit loss provision to net charge-offs | -27.0627% | 6,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2549% | 3,826 |
| Assets per employee ($millions) | 3.1882% | 5,658 |
| Cash dividends to net income (ytd only)* | 68.7818% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7376% | 3,005 |
| Loan loss allowance to noncurrent loans | 169.1022% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.6615% | 5,024 |
| Noncurrent loans to loans | 1.0275% | 4,396 |
| Net loans and leases to total assets | 63.2600% | 3,166 |
| Net loans and leases to deposits | 70.3260% | 3,854 |
| Net loans and leases to core deposits | 80.1581% | 3,189 |
| Total domestic deposits to total assets | 89.9525% | 874 |
| Equity capital to assets | 9.6310% | 5,018 |
| Core capital (leverage) ratio | 8.9679% | 5,109 |
| Tier 1 risk-based capital ratio | 12.3302% | 5,747 |
| Total risk-based capital ratio | 13.5841% | 5,719 |
| Memoranda: | ||
| Average total assets | $392,656,750 | 1,688 |
| Average earning assets | $359,881,000 | 1,680 |
| Average equity | $35,879,750 | 1,944 |
| Average total loans | $243,185,250 | 1,708 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7305% | 2,796 |
| Cost of funding earning assets | 0.4377% | 6,050 |
| Net interest margin | 4.2929% | 1,496 |
| Noninterest income to average assets | 1.8254% | 461 |
| Noninterest expense to average assets | 3.7782% | 1,247 |
| Loan and lease loss provision to assets | 0.0817% | 4,577 |
| Net operating income to assets | 1.8950% | 464 |
| Return on assets (ROA) | 1.8950% | 528 |
| Pretax return on assets | 1.8950% | 857 |
| Return on Equity (ROE) | 21.1130% | 286 |
| Retained earnings to average equity (ytd only) | 4.3504% | 3,719 |
| Net charge-offs to loans | -0.4585% | 7,121 |
| Credit loss provision to net charge-offs | -29.1667% | 5,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6520% | 4,592 |
| Assets per employee ($millions) | 3.0529% | 5,950 |
| Cash dividends to net income (ytd only)* | 79.3944% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7225% | 3,137 |
| Loan loss allowance to noncurrent loans | 163.5187% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.9840% | 4,406 |
| Noncurrent loans to loans | 1.0534% | 4,411 |
| Net loans and leases to total assets | 64.1996% | 2,992 |
| Net loans and leases to deposits | 71.1821% | 3,740 |
| Net loans and leases to core deposits | 80.8909% | 3,102 |
| Total domestic deposits to total assets | 90.1907% | 820 |
| Equity capital to assets | 9.4718% | 5,102 |
| Core capital (leverage) ratio | 8.6973% | 5,390 |
| Tier 1 risk-based capital ratio | 12.0563% | 5,890 |
| Total risk-based capital ratio | 13.3100% | 5,869 |
| Memoranda: | ||
| Average total assets | $393,888,000 | 1,685 |
| Average earning assets | $360,550,330 | 1,677 |
| Average equity | $35,352,670 | 1,958 |
| Average total loans | $240,777,330 | 1,714 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5366% | 3,770 |
| Cost of funding earning assets | 0.4565% | 6,110 |
| Net interest margin | 4.0801% | 2,172 |
| Noninterest income to average assets | 1.7049% | 516 |
| Noninterest expense to average assets | 3.6637% | 1,439 |
| Loan and lease loss provision to assets | 0.1500% | 3,490 |
| Net operating income to assets | 1.6179% | 836 |
| Return on assets (ROA) | 1.6179% | 936 |
| Pretax return on assets | 1.6179% | 1,514 |
| Return on Equity (ROE) | 18.5144% | 493 |
| Retained earnings to average equity (ytd only) | 5.0005% | 3,560 |
| Net charge-offs to loans | 0.2199% | 2,824 |
| Credit loss provision to net charge-offs | 115.3846% | 2,043 |
| Earnings coverage of net charge-offs (x) | 13.6000% | 1,528 |
| Efficiency ratio | 67.4521% | 4,279 |
| Assets per employee ($millions) | 2.9990% | 6,152 |
| Cash dividends to net income (ytd only)* | 72.9913% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 4,088 |
| Loan loss allowance to noncurrent loans | 130.5656% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 1.2464% | 4,057 |
| Noncurrent loans to loans | 1.1593% | 4,387 |
| Net loans and leases to total assets | 60.5632% | 3,541 |
| Net loans and leases to deposits | 66.8430% | 4,254 |
| Net loans and leases to core deposits | 75.0955% | 3,731 |
| Total domestic deposits to total assets | 90.6052% | 744 |
| Equity capital to assets | 9.1409% | 5,304 |
| Core capital (leverage) ratio | 8.3561% | 5,802 |
| Tier 1 risk-based capital ratio | 12.1604% | 5,857 |
| Total risk-based capital ratio | 13.4113% | 5,832 |
| Memoranda: | ||
| Average total assets | $400,028,000 | 1,657 |
| Average earning assets | $365,385,000 | 1,660 |
| Average equity | $34,956,500 | 1,980 |
| Average total loans | $236,523,500 | 1,746 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0824% | 2,518 |
| Cost of funding earning assets | 0.6105% | 6,046 |
| Net interest margin | 4.4719% | 1,205 |
| Noninterest income to average assets | 1.8833% | 414 |
| Noninterest expense to average assets | 4.0833% | 931 |
| Loan and lease loss provision to assets | 0.1882% | 4,300 |
| Net operating income to assets | 1.6987% | 551 |
| Return on assets (ROA) | 1.7101% | 577 |
| Pretax return on assets | 1.7101% | 965 |
| Return on Equity (ROE) | 19.3274% | 294 |
| Retained earnings to average equity (ytd only) | 6.4887% | 1,741 |
| Net charge-offs to loans | 0.0814% | 5,504 |
| Credit loss provision to net charge-offs | 349.7409% | 661 |
| Earnings coverage of net charge-offs (x) | 35.0622% | 744 |
| Efficiency ratio | 68.3948% | 4,277 |
| Assets per employee ($millions) | 3.2793% | 5,556 |
| Cash dividends to net income (ytd only)* | 66.4275% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 3,918 |
| Loan loss allowance to noncurrent loans | 113.6104% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 1.2808% | 4,079 |
| Noncurrent loans to loans | 1.3404% | 4,135 |
| Net loans and leases to total assets | 56.0436% | 4,692 |
| Net loans and leases to deposits | 61.3168% | 5,337 |
| Net loans and leases to core deposits | 68.3288% | 4,986 |
| Total domestic deposits to total assets | 91.4001% | 363 |
| Equity capital to assets | 8.3618% | 6,292 |
| Core capital (leverage) ratio | 8.6422% | 5,327 |
| Tier 1 risk-based capital ratio | 12.1454% | 5,733 |
| Total risk-based capital ratio | 13.3998% | 5,702 |
| Memoranda: | ||
| Average total assets | $358,629,600 | 1,806 |
| Average earning assets | $327,755,400 | 1,805 |
| Average equity | $31,732,200 | 2,091 |
| Average total loans | $236,957,800 | 1,771 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2963% | 1,874 |
| Cost of funding earning assets | 0.6512% | 6,026 |
| Net interest margin | 4.6452% | 860 |
| Noninterest income to average assets | 1.8918% | 418 |
| Noninterest expense to average assets | 4.1701% | 823 |
| Loan and lease loss provision to assets | 0.1983% | 4,043 |
| Net operating income to assets | 1.7720% | 544 |
| Return on assets (ROA) | 1.7878% | 578 |
| Pretax return on assets | 1.7878% | 977 |
| Return on Equity (ROE) | 19.8785% | 324 |
| Retained earnings to average equity (ytd only) | 2.3720% | 4,933 |
| Net charge-offs to loans | 0.0949% | 5,029 |
| Credit loss provision to net charge-offs | 303.5503% | 934 |
| Earnings coverage of net charge-offs (x) | 30.1654% | 933 |
| Efficiency ratio | 67.9129% | 4,341 |
| Assets per employee ($millions) | 3.1737% | 5,745 |
| Cash dividends to net income (ytd only)* | 88.0673% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 4,213 |
| Loan loss allowance to noncurrent loans | 72.5147% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.6436% | 3,620 |
| Noncurrent loans to loans | 2.0395% | 3,316 |
| Net loans and leases to total assets | 61.7677% | 3,786 |
| Net loans and leases to deposits | 68.0411% | 4,598 |
| Net loans and leases to core deposits | 76.5327% | 4,127 |
| Total domestic deposits to total assets | 90.7800% | 522 |
| Equity capital to assets | 8.8640% | 5,901 |
| Core capital (leverage) ratio | 8.8981% | 5,107 |
| Tier 1 risk-based capital ratio | 11.8608% | 5,995 |
| Total risk-based capital ratio | 13.1114% | 5,976 |
| Memoranda: | ||
| Average total assets | $344,989,250 | 1,881 |
| Average earning assets | $315,531,250 | 1,878 |
| Average equity | $31,027,750 | 2,137 |
| Average total loans | $237,410,250 | 1,778 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4997% | 1,295 |
| Cost of funding earning assets | 0.6786% | 6,076 |
| Net interest margin | 4.8211% | 584 |
| Noninterest income to average assets | 1.9202% | 385 |
| Noninterest expense to average assets | 4.4050% | 665 |
| Loan and lease loss provision to assets | 0.2130% | 3,786 |
| Net operating income to assets | 1.7061% | 592 |
| Return on assets (ROA) | 1.7180% | 622 |
| Pretax return on assets | 1.7180% | 1,016 |
| Return on Equity (ROE) | 19.0006% | 385 |
| Retained earnings to average equity (ytd only) | -0.3158% | 5,914 |
| Net charge-offs to loans | 0.1088% | 4,602 |
| Credit loss provision to net charge-offs | 275.3846% | 1,106 |
| Earnings coverage of net charge-offs (x) | 24.8154% | 1,054 |
| Efficiency ratio | 69.6548% | 4,178 |
| Assets per employee ($millions) | 2.7048% | 6,637 |
| Cash dividends to net income (ytd only)* | 101.6620% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 4,511 |
| Loan loss allowance to noncurrent loans | 59.5703% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 1.9204% | 3,348 |
| Noncurrent loans to loans | 2.3705% | 3,018 |
| Net loans and leases to total assets | 69.2547% | 2,364 |
| Net loans and leases to deposits | 76.8514% | 3,313 |
| Net loans and leases to core deposits | 87.4618% | 2,710 |
| Total domestic deposits to total assets | 90.1151% | 912 |
| Equity capital to assets | 9.4397% | 4,910 |
| Core capital (leverage) ratio | 9.2190% | 4,373 |
| Tier 1 risk-based capital ratio | 11.5473% | 6,133 |
| Total risk-based capital ratio | 12.7946% | 6,130 |
| Memoranda: | ||
| Average total assets | $336,211,670 | 1,941 |
| Average earning assets | $307,109,330 | 1,933 |
| Average equity | $30,399,000 | 2,161 |
| Average total loans | $238,947,000 | 1,784 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5381% | 1,204 |
| Cost of funding earning assets | 0.7002% | 6,135 |
| Net interest margin | 4.8379% | 527 |
| Noninterest income to average assets | 1.7682% | 436 |
| Noninterest expense to average assets | 4.3729% | 674 |
| Loan and lease loss provision to assets | 0.2412% | 3,265 |
| Net operating income to assets | 1.5792% | 722 |
| Return on assets (ROA) | 1.6030% | 733 |
| Pretax return on assets | 1.6030% | 1,185 |
| Return on Equity (ROE) | 18.1268% | 470 |
| Retained earnings to average equity (ytd only) | -14.6600% | 7,031 |
| Net charge-offs to loans | 0.1064% | 3,894 |
| Credit loss provision to net charge-offs | 317.1875% | 1,022 |
| Earnings coverage of net charge-offs (x) | 23.9375% | 1,003 |
| Efficiency ratio | 70.6063% | 4,137 |
| Assets per employee ($millions) | 2.7895% | 6,557 |
| Cash dividends to net income (ytd only)* | 180.8747% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 4,871 |
| Loan loss allowance to noncurrent loans | 87.1098% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.2574% | 4,434 |
| Noncurrent loans to loans | 1.5584% | 4,134 |
| Net loans and leases to total assets | 70.8558% | 1,959 |
| Net loans and leases to deposits | 78.2176% | 3,021 |
| Net loans and leases to core deposits | 89.1605% | 2,461 |
| Total domestic deposits to total assets | 90.5881% | 803 |
| Equity capital to assets | 8.9404% | 5,295 |
| Core capital (leverage) ratio | 8.9250% | 4,729 |
| Tier 1 risk-based capital ratio | 11.2062% | 6,343 |
| Total risk-based capital ratio | 12.4252% | 6,346 |
| Memoranda: | ||
| Average total assets | $336,617,000 | 1,949 |
| Average earning assets | $307,902,500 | 1,935 |
| Average equity | $29,768,000 | 2,194 |
| Average total loans | $240,616,500 | 1,791 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7180% | 1,506 |
| Cost of funding earning assets | 0.9639% | 5,874 |
| Net interest margin | 4.7541% | 726 |
| Noninterest income to average assets | 2.3495% | 306 |
| Noninterest expense to average assets | 4.8925% | 458 |
| Loan and lease loss provision to assets | 0.2302% | 4,980 |
| Net operating income to assets | 1.5083% | 753 |
| Return on assets (ROA) | 1.5991% | 672 |
| Pretax return on assets | 1.5991% | 1,132 |
| Return on Equity (ROE) | 17.5464% | 420 |
| Retained earnings to average equity (ytd only) | 4.7968% | 2,548 |
| Net charge-offs to loans | 0.2165% | 4,995 |
| Credit loss provision to net charge-offs | 146.2715% | 2,516 |
| Earnings coverage of net charge-offs (x) | 11.0478% | 1,639 |
| Efficiency ratio | 73.7828% | 3,447 |
| Assets per employee ($millions) | 2.9677% | 6,176 |
| Cash dividends to net income (ytd only)* | 72.6623% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 5,126 |
| Loan loss allowance to noncurrent loans | 77.1663% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.2934% | 4,447 |
| Noncurrent loans to loans | 1.6541% | 4,024 |
| Net loans and leases to total assets | 70.2322% | 2,489 |
| Net loans and leases to deposits | 78.5047% | 3,431 |
| Net loans and leases to core deposits | 90.3648% | 2,720 |
| Total domestic deposits to total assets | 89.4623% | 1,406 |
| Equity capital to assets | 8.7488% | 5,511 |
| Core capital (leverage) ratio | 9.0681% | 4,416 |
| Tier 1 risk-based capital ratio | 11.4359% | 5,960 |
| Total risk-based capital ratio | 12.5848% | 6,050 |
| Memoranda: | ||
| Average total assets | $332,365,200 | 1,956 |
| Average earning assets | $299,319,400 | 1,985 |
| Average equity | $30,291,200 | 2,151 |
| Average total loans | $241,540,800 | 1,808 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7339% | 1,595 |
| Cost of funding earning assets | 1.0127% | 5,880 |
| Net interest margin | 4.7212% | 800 |
| Noninterest income to average assets | 2.0108% | 374 |
| Noninterest expense to average assets | 4.5721% | 550 |
| Loan and lease loss provision to assets | 0.1878% | 5,165 |
| Net operating income to assets | 1.4834% | 953 |
| Return on assets (ROA) | 1.5464% | 912 |
| Pretax return on assets | 1.5464% | 1,481 |
| Return on Equity (ROE) | 16.7937% | 615 |
| Retained earnings to average equity (ytd only) | -0.1447% | 5,818 |
| Net charge-offs to loans | 0.1835% | 4,852 |
| Credit loss provision to net charge-offs | 140.0602% | 2,840 |
| Earnings coverage of net charge-offs (x) | 12.4637% | 1,683 |
| Efficiency ratio | 73.2324% | 3,478 |
| Assets per employee ($millions) | 2.8494% | 6,484 |
| Cash dividends to net income (ytd only)* | 100.8617% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 5,470 |
| Loan loss allowance to noncurrent loans | 107.5540% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 1.1490% | 4,819 |
| Noncurrent loans to loans | 1.1201% | 4,997 |
| Net loans and leases to total assets | 72.3169% | 2,188 |
| Net loans and leases to deposits | 81.3600% | 3,206 |
| Net loans and leases to core deposits | 93.1614% | 2,636 |
| Total domestic deposits to total assets | 88.8851% | 1,453 |
| Equity capital to assets | 8.9997% | 5,582 |
| Core capital (leverage) ratio | 8.6489% | 5,272 |
| Tier 1 risk-based capital ratio | 10.5180% | 6,764 |
| Total risk-based capital ratio | 11.6009% | 6,864 |
| Memoranda: | ||
| Average total assets | $330,136,250 | 1,995 |
| Average earning assets | $295,964,000 | 2,031 |
| Average equity | $30,399,500 | 2,166 |
| Average total loans | $241,229,000 | 1,834 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7138% | 1,713 |
| Cost of funding earning assets | 1.0333% | 5,992 |
| Net interest margin | 4.6805% | 841 |
| Noninterest income to average assets | 1.9440% | 365 |
| Noninterest expense to average assets | 4.5361% | 548 |
| Loan and lease loss provision to assets | 0.1926% | 4,954 |
| Net operating income to assets | 1.3969% | 1,099 |
| Return on assets (ROA) | 1.4923% | 983 |
| Pretax return on assets | 1.4923% | 1,575 |
| Return on Equity (ROE) | 16.0800% | 687 |
| Retained earnings to average equity (ytd only) | 5.5598% | 2,578 |
| Net charge-offs to loans | 0.0519% | 5,659 |
| Credit loss provision to net charge-offs | 508.0645% | 727 |
| Earnings coverage of net charge-offs (x) | 41.9355% | 697 |
| Efficiency ratio | 74.0519% | 3,467 |
| Assets per employee ($millions) | 2.5721% | 6,999 |
| Cash dividends to net income (ytd only)* | 65.4240% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 5,005 |
| Loan loss allowance to noncurrent loans | 102.9801% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 1.2872% | 4,575 |
| Noncurrent loans to loans | 1.2485% | 4,881 |
| Net loans and leases to total assets | 71.9611% | 2,412 |
| Net loans and leases to deposits | 81.1476% | 3,410 |
| Net loans and leases to core deposits | 92.3836% | 2,930 |
| Total domestic deposits to total assets | 88.6793% | 1,618 |
| Equity capital to assets | 9.2973% | 5,009 |
| Core capital (leverage) ratio | 9.2542% | 4,203 |
| Tier 1 risk-based capital ratio | 11.4780% | 5,791 |
| Total risk-based capital ratio | 12.6711% | 5,822 |
| Memoranda: | ||
| Average total assets | $327,156,000 | 2,031 |
| Average earning assets | $292,276,000 | 2,077 |
| Average equity | $30,360,670 | 2,169 |
| Average total loans | $238,905,330 | 1,880 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5832% | 2,228 |
| Cost of funding earning assets | 1.0464% | 6,145 |
| Net interest margin | 4.5368% | 1,071 |
| Noninterest income to average assets | 1.8163% | 389 |
| Noninterest expense to average assets | 4.5772% | 527 |
| Loan and lease loss provision to assets | 0.1909% | 4,589 |
| Net operating income to assets | 1.0898% | 1,863 |
| Return on assets (ROA) | 1.2819% | 1,405 |
| Pretax return on assets | 1.2819% | 2,100 |
| Return on Equity (ROE) | 13.8263% | 1,084 |
| Retained earnings to average equity (ytd only) | 5.0471% | 3,129 |
| Net charge-offs to loans | 0.0371% | 5,058 |
| Credit loss provision to net charge-offs | 704.5455% | 637 |
| Earnings coverage of net charge-offs (x) | 47.2727% | 597 |
| Efficiency ratio | 78.1375% | 2,870 |
| Assets per employee ($millions) | 2.5545% | 7,123 |
| Cash dividends to net income (ytd only)* | 63.4966% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 5,133 |
| Loan loss allowance to noncurrent loans | 141.3712% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 1.1775% | 4,820 |
| Noncurrent loans to loans | 0.8940% | 5,532 |
| Net loans and leases to total assets | 73.1509% | 2,165 |
| Net loans and leases to deposits | 82.6535% | 3,169 |
| Net loans and leases to core deposits | 94.2615% | 2,813 |
| Total domestic deposits to total assets | 88.5030% | 1,786 |
| Equity capital to assets | 9.4591% | 4,599 |
| Core capital (leverage) ratio | 9.3318% | 3,996 |
| Tier 1 risk-based capital ratio | 11.3472% | 5,813 |
| Total risk-based capital ratio | 12.4991% | 5,861 |
| Memoranda: | ||
| Average total assets | $324,830,500 | 2,090 |
| Average earning assets | $289,368,000 | 2,148 |
| Average equity | $30,116,500 | 2,210 |
| Average total loans | $237,417,000 | 1,941 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9073% | 2,196 |
| Cost of funding earning assets | 1.3019% | 6,300 |
| Net interest margin | 4.6054% | 971 |
| Noninterest income to average assets | 1.9304% | 395 |
| Noninterest expense to average assets | 4.4018% | 874 |
| Loan and lease loss provision to assets | 1.0223% | 2,230 |
| Net operating income to assets | 0.6211% | 3,250 |
| Return on assets (ROA) | 0.6535% | 3,178 |
| Pretax return on assets | 0.6535% | 3,731 |
| Return on Equity (ROE) | 7.2234% | 2,701 |
| Retained earnings to average equity (ytd only) | 1.6431% | 3,935 |
| Net charge-offs to loans | 0.9678% | 2,471 |
| Credit loss provision to net charge-offs | 132.6531% | 3,774 |
| Earnings coverage of net charge-offs (x) | 2.1325% | 4,131 |
| Efficiency ratio | 72.8154% | 4,133 |
| Assets per employee ($millions) | 2.7996% | 6,661 |
| Cash dividends to net income (ytd only)* | 77.2534% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 5,365 |
| Loan loss allowance to noncurrent loans | 125.0876% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 1.1957% | 4,710 |
| Noncurrent loans to loans | 0.9586% | 5,396 |
| Net loans and leases to total assets | 71.2603% | 2,936 |
| Net loans and leases to deposits | 81.4296% | 3,711 |
| Net loans and leases to core deposits | 105.2422% | 3,427 |
| Total domestic deposits to total assets | 87.5115% | 2,213 |
| Equity capital to assets | 9.0900% | 5,000 |
| Core capital (leverage) ratio | 8.7530% | 4,834 |
| Tier 1 risk-based capital ratio | 10.8640% | 6,051 |
| Total risk-based capital ratio | 11.9316% | 6,203 |
| Memoranda: | ||
| Average total assets | $324,277,800 | 2,091 |
| Average earning assets | $289,726,800 | 2,128 |
| Average equity | $29,335,400 | 2,276 |
| Average total loans | $258,210,000 | 1,848 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9236% | 2,343 |
| Cost of funding earning assets | 1.3395% | 6,433 |
| Net interest margin | 4.5841% | 1,014 |
| Noninterest income to average assets | 1.9122% | 407 |
| Noninterest expense to average assets | 4.5515% | 699 |
| Loan and lease loss provision to assets | 0.7064% | 2,610 |
| Net operating income to assets | 0.7556% | 3,005 |
| Return on assets (ROA) | 0.7989% | 2,883 |
| Pretax return on assets | 0.7989% | 3,544 |
| Return on Equity (ROE) | 8.8423% | 2,321 |
| Retained earnings to average equity (ytd only) | 1.3579% | 4,561 |
| Net charge-offs to loans | 0.9554% | 2,068 |
| Credit loss provision to net charge-offs | 90.6681% | 5,465 |
| Earnings coverage of net charge-offs (x) | 1.8765% | 4,402 |
| Efficiency ratio | 75.6887% | 3,564 |
| Assets per employee ($millions) | 2.6865% | 6,885 |
| Cash dividends to net income (ytd only)* | 84.6432% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7406% | 7,285 |
| Loan loss allowance to noncurrent loans | 51.2081% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 1.4729% | 4,169 |
| Noncurrent loans to loans | 1.4463% | 4,503 |
| Net loans and leases to total assets | 75.6424% | 2,068 |
| Net loans and leases to deposits | 86.6419% | 3,203 |
| Net loans and leases to core deposits | 115.6058% | 2,666 |
| Total domestic deposits to total assets | 87.3046% | 2,012 |
| Equity capital to assets | 9.0687% | 5,384 |
| Core capital (leverage) ratio | 8.7234% | 5,093 |
| Tier 1 risk-based capital ratio | 10.3203% | 6,657 |
| Total risk-based capital ratio | 10.9871% | 7,166 |
| Memoranda: | ||
| Average total assets | $322,759,500 | 2,110 |
| Average earning assets | $288,757,000 | 2,147 |
| Average equity | $29,162,000 | 2,312 |
| Average total loans | $263,196,000 | 1,831 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9987% | 2,183 |
| Cost of funding earning assets | 1.3756% | 6,563 |
| Net interest margin | 4.6230% | 911 |
| Noninterest income to average assets | 1.8907% | 407 |
| Noninterest expense to average assets | 4.5178% | 767 |
| Loan and lease loss provision to assets | 0.4716% | 3,168 |
| Net operating income to assets | 1.0281% | 2,010 |
| Return on assets (ROA) | 1.0849% | 1,900 |
| Pretax return on assets | 1.0849% | 2,691 |
| Return on Equity (ROE) | 12.0233% | 1,405 |
| Retained earnings to average equity (ytd only) | 1.2667% | 4,639 |
| Net charge-offs to loans | 0.2562% | 3,915 |
| Credit loss provision to net charge-offs | 220.7602% | 2,082 |
| Earnings coverage of net charge-offs (x) | 7.0205% | 2,507 |
| Efficiency ratio | 75.0778% | 3,864 |
| Assets per employee ($millions) | 2.9172% | 6,336 |
| Cash dividends to net income (ytd only)* | 89.4646% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9338% | 6,627 |
| Loan loss allowance to noncurrent loans | 71.3372% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.4151% | 4,128 |
| Noncurrent loans to loans | 1.3089% | 4,588 |
| Net loans and leases to total assets | 78.2890% | 1,681 |
| Net loans and leases to deposits | 89.1835% | 2,956 |
| Net loans and leases to core deposits | 115.7255% | 2,734 |
| Total domestic deposits to total assets | 87.7841% | 1,885 |
| Equity capital to assets | 8.6595% | 5,806 |
| Core capital (leverage) ratio | 8.9734% | 4,674 |
| Tier 1 risk-based capital ratio | 9.9763% | 6,954 |
| Total risk-based capital ratio | 10.8280% | 7,281 |
| Memoranda: | ||
| Average total assets | $320,201,000 | 2,148 |
| Average earning assets | $285,829,000 | 2,190 |
| Average equity | $28,894,000 | 2,341 |
| Average total loans | $266,990,000 | 1,848 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1361% | 1,807 |
| Cost of funding earning assets | 1.4731% | 6,493 |
| Net interest margin | 4.6630% | 840 |
| Noninterest income to average assets | 1.6368% | 511 |
| Noninterest expense to average assets | 4.3933% | 795 |
| Loan and lease loss provision to assets | 0.1720% | 4,748 |
| Net operating income to assets | 1.2127% | 1,623 |
| Return on assets (ROA) | 1.2127% | 1,733 |
| Pretax return on assets | 1.2127% | 2,583 |
| Return on Equity (ROE) | 13.1573% | 1,346 |
| Retained earnings to average equity (ytd only) | 5.7909% | 2,730 |
| Net charge-offs to loans | 0.1189% | 4,020 |
| Credit loss provision to net charge-offs | 168.7500% | 2,540 |
| Earnings coverage of net charge-offs (x) | 13.5875% | 1,726 |
| Efficiency ratio | 76.0362% | 3,489 |
| Assets per employee ($millions) | 2.6048% | 7,084 |
| Cash dividends to net income (ytd only)* | 55.9874% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7842% | 7,212 |
| Loan loss allowance to noncurrent loans | 58.2222% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.6303% | 3,467 |
| Noncurrent loans to loans | 1.3470% | 4,293 |
| Net loans and leases to total assets | 84.8342% | 572 |
| Net loans and leases to deposits | 97.5212% | 1,732 |
| Net loans and leases to core deposits | 124.0158% | 2,077 |
| Total domestic deposits to total assets | 86.9905% | 2,224 |
| Equity capital to assets | 9.3265% | 4,898 |
| Core capital (leverage) ratio | 9.2051% | 4,390 |
| Tier 1 risk-based capital ratio | 9.9800% | 6,947 |
| Total risk-based capital ratio | 10.7016% | 7,416 |
| Memoranda: | ||
| Average total assets | $314,022,000 | 2,192 |
| Average earning assets | $278,875,500 | 2,244 |
| Average equity | $28,942,000 | 2,352 |
| Average total loans | $269,079,500 | 1,846 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6412% | 2,284 |
| Cost of funding earning assets | 1.9105% | 6,702 |
| Net interest margin | 4.7307% | 909 |
| Noninterest income to average assets | 1.7839% | 426 |
| Noninterest expense to average assets | 4.4098% | 946 |
| Loan and lease loss provision to assets | 0.2337% | 4,560 |
| Net operating income to assets | 1.3337% | 1,387 |
| Return on assets (ROA) | 1.3557% | 1,290 |
| Pretax return on assets | 1.3557% | 2,110 |
| Return on Equity (ROE) | 15.5060% | 850 |
| Retained earnings to average equity (ytd only) | 8.5205% | 700 |
| Net charge-offs to loans | 0.2476% | 3,796 |
| Credit loss provision to net charge-offs | 115.1757% | 4,691 |
| Earnings coverage of net charge-offs (x) | 7.7236% | 3,035 |
| Efficiency ratio | 73.7770% | 3,622 |
| Assets per employee ($millions) | 2.5441% | 7,125 |
| Cash dividends to net income (ytd only)* | 45.0502% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7534% | 7,271 |
| Loan loss allowance to noncurrent loans | 56.1640% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 1.5466% | 3,130 |
| Noncurrent loans to loans | 1.3415% | 3,835 |
| Net loans and leases to total assets | 85.2228% | 697 |
| Net loans and leases to deposits | 99.3346% | 1,934 |
| Net loans and leases to core deposits | 125.6721% | 2,187 |
| Total domestic deposits to total assets | 85.7937% | 2,499 |
| Equity capital to assets | 9.1076% | 5,216 |
| Core capital (leverage) ratio | 8.8996% | 4,890 |
| Tier 1 risk-based capital ratio | 9.5755% | 7,226 |
| Total risk-based capital ratio | 10.2596% | 7,770 |
| Memoranda: | ||
| Average total assets | $308,473,400 | 2,161 |
| Average earning assets | $273,429,400 | 2,209 |
| Average equity | $26,970,200 | 2,478 |
| Average total loans | $252,776,200 | 1,887 |