Home > Richland State Bank > Performance and Condition Ratios
Richland State Bank, Performance and Condition Ratios
| 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 | 4.9679% | 998 |
| Cost of funding earning assets | 0.4343% | 3,635 |
| Net interest margin | 4.5336% | 692 |
| Noninterest income to average assets | 0.9654% | 1,024 |
| Noninterest expense to average assets | 3.4843% | 999 |
| Loan and lease loss provision to assets | 0.0745% | 2,470 |
| Net operating income to assets | 1.5965% | 968 |
| Return on assets (ROA) | 1.5965% | 972 |
| Pretax return on assets | 1.5965% | 1,593 |
| Return on Equity (ROE) | 14.5374% | 974 |
| Retained earnings to average equity (ytd only) | 5.2236% | 3,104 |
| Net charge-offs to loans | 0.0459% | 2,177 |
| Credit loss provision to net charge-offs | 253.7313% | 1,166 |
| Earnings coverage of net charge-offs (x) | 56.9111% | 1,087 |
| Efficiency ratio | 67.5876% | 2,612 |
| Assets per employee ($millions) | 3.7885% | 4,189 |
| Cash dividends to net income (ytd only)* | 64.0681% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 4,303 |
| Loan loss allowance to noncurrent loans | 137.2504% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 2,300 |
| Noncurrent loans to loans | 0.6487% | 2,468 |
| Net loans and leases to total assets | 64.8269% | 3,326 |
| Net loans and leases to deposits | 73.7953% | 3,610 |
| Net loans and leases to core deposits | 78.6934% | 3,602 |
| Total domestic deposits to total assets | 87.8469% | 1,311 |
| Equity capital to assets | 11.1269% | 2,537 |
| Core capital (leverage) ratio | 11.5318% | 2,145 |
| Tier 1 risk-based capital ratio | 15.3943% | 2,698 |
| Total risk-based capital ratio | 16.1774% | 2,832 |
| Memoranda: | ||
| Average total assets | $304,248,250 | 2,135 |
| Average earning assets | $281,184,500 | 2,136 |
| Average equity | $33,411,750 | 2,140 |
| Average total loans | $194,498,250 | 2,219 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8966% | 1,030 |
| Cost of funding earning assets | 0.4121% | 3,630 |
| Net interest margin | 4.4844% | 721 |
| Noninterest income to average assets | 0.9559% | 1,037 |
| Noninterest expense to average assets | 3.5019% | 994 |
| Loan and lease loss provision to assets | 0.0791% | 2,325 |
| Net operating income to assets | 1.5209% | 1,104 |
| Return on assets (ROA) | 1.5209% | 1,105 |
| Pretax return on assets | 1.5209% | 1,743 |
| Return on Equity (ROE) | 13.9113% | 1,095 |
| Retained earnings to average equity (ytd only) | 2.3698% | 4,327 |
| Net charge-offs to loans | -0.0333% | 4,774 |
| Credit loss provision to net charge-offs | -375.0000% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6394% | 2,537 |
| Assets per employee ($millions) | 3.7155% | 4,328 |
| Cash dividends to net income (ytd only)* | 82.9649% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 4,205 |
| Loan loss allowance to noncurrent loans | 173.7689% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.5014% | 2,750 |
| Noncurrent loans to loans | 0.5352% | 2,814 |
| Net loans and leases to total assets | 64.9501% | 3,286 |
| Net loans and leases to deposits | 73.8116% | 3,557 |
| Net loans and leases to core deposits | 78.5339% | 3,532 |
| Total domestic deposits to total assets | 87.9945% | 1,385 |
| Equity capital to assets | 11.0542% | 2,583 |
| Core capital (leverage) ratio | 11.2972% | 2,256 |
| Tier 1 risk-based capital ratio | 15.1600% | 2,797 |
| Total risk-based capital ratio | 15.9731% | 2,937 |
| Memoranda: | ||
| Average total assets | $303,375,000 | 2,146 |
| Average earning assets | $280,483,000 | 2,155 |
| Average equity | $33,167,330 | 2,160 |
| Average total loans | $192,424,330 | 2,242 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8100% | 1,065 |
| Cost of funding earning assets | 0.3972% | 3,613 |
| Net interest margin | 4.4128% | 750 |
| Noninterest income to average assets | 0.6960% | 1,845 |
| Noninterest expense to average assets | 3.6285% | 842 |
| Loan and lease loss provision to assets | 0.1182% | 1,596 |
| Net operating income to assets | 1.0348% | 2,714 |
| Return on assets (ROA) | 1.0348% | 2,732 |
| Pretax return on assets | 1.0348% | 3,412 |
| Return on Equity (ROE) | 9.5178% | 2,669 |
| Retained earnings to average equity (ytd only) | -5.7855% | 5,240 |
| Net charge-offs to loans | -0.0611% | 5,057 |
| Credit loss provision to net charge-offs | -310.3448% | 3,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8857% | 1,608 |
| Assets per employee ($millions) | 3.5464% | 4,613 |
| Cash dividends to net income (ytd only)* | 160.7868% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 4,193 |
| Loan loss allowance to noncurrent loans | 233.1177% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 3,023 |
| Noncurrent loans to loans | 0.4097% | 3,310 |
| Net loans and leases to total assets | 61.2648% | 3,621 |
| Net loans and leases to deposits | 69.2324% | 3,853 |
| Net loans and leases to core deposits | 72.7599% | 3,900 |
| Total domestic deposits to total assets | 88.4916% | 1,356 |
| Equity capital to assets | 10.6707% | 2,895 |
| Core capital (leverage) ratio | 11.0486% | 2,385 |
| Tier 1 risk-based capital ratio | 14.9827% | 2,873 |
| Total risk-based capital ratio | 15.7925% | 3,002 |
| Memoranda: | ||
| Average total assets | $304,585,500 | 2,165 |
| Average earning assets | $281,997,500 | 2,166 |
| Average equity | $33,117,000 | 2,181 |
| Average total loans | $189,984,000 | 2,274 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8398% | 907 |
| Cost of funding earning assets | 0.3463% | 3,746 |
| Net interest margin | 4.4935% | 618 |
| Noninterest income to average assets | 0.8922% | 1,295 |
| Noninterest expense to average assets | 3.5629% | 942 |
| Loan and lease loss provision to assets | 0.1237% | 1,851 |
| Net operating income to assets | 1.3463% | 1,123 |
| Return on assets (ROA) | 1.3463% | 1,147 |
| Pretax return on assets | 1.3463% | 2,187 |
| Return on Equity (ROE) | 12.0429% | 1,203 |
| Retained earnings to average equity (ytd only) | 5.1656% | 2,023 |
| Net charge-offs to loans | 0.0680% | 2,484 |
| Credit loss provision to net charge-offs | 272.7273% | 1,023 |
| Earnings coverage of net charge-offs (x) | 32.4167% | 1,463 |
| Efficiency ratio | 70.7918% | 2,428 |
| Assets per employee ($millions) | 3.5369% | 4,655 |
| Cash dividends to net income (ytd only)* | 57.1064% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8797% | 4,558 |
| Loan loss allowance to noncurrent loans | 995.8580% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 4,113 |
| Noncurrent loans to loans | 0.0883% | 4,605 |
| Net loans and leases to total assets | 62.3417% | 3,576 |
| Net loans and leases to deposits | 70.8867% | 3,802 |
| Net loans and leases to core deposits | 74.3002% | 3,858 |
| Total domestic deposits to total assets | 87.9455% | 1,535 |
| Equity capital to assets | 11.0755% | 2,557 |
| Core capital (leverage) ratio | 11.1494% | 2,197 |
| Tier 1 risk-based capital ratio | 15.3722% | 2,674 |
| Total risk-based capital ratio | 16.1372% | 2,834 |
| Memoranda: | ||
| Average total assets | $291,084,000 | 2,213 |
| Average earning assets | $268,233,600 | 2,222 |
| Average equity | $32,542,000 | 2,194 |
| Average total loans | $194,213,800 | 2,206 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8646% | 816 |
| Cost of funding earning assets | 0.3245% | 3,897 |
| Net interest margin | 4.5401% | 549 |
| Noninterest income to average assets | 0.8269% | 1,485 |
| Noninterest expense to average assets | 3.6143% | 854 |
| Loan and lease loss provision to assets | 0.1251% | 1,733 |
| Net operating income to assets | 1.2684% | 1,441 |
| Return on assets (ROA) | 1.2684% | 1,469 |
| Pretax return on assets | 1.2684% | 2,627 |
| Return on Equity (ROE) | 11.3178% | 1,560 |
| Retained earnings to average equity (ytd only) | 2.3768% | 4,459 |
| Net charge-offs to loans | 0.0889% | 1,910 |
| Credit loss provision to net charge-offs | 207.6923% | 1,310 |
| Earnings coverage of net charge-offs (x) | 23.1383% | 1,828 |
| Efficiency ratio | 72.1739% | 2,179 |
| Assets per employee ($millions) | 3.5880% | 4,596 |
| Cash dividends to net income (ytd only)* | 78.9992% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7985% | 4,897 |
| Loan loss allowance to noncurrent loans | 938.8235% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 4,240 |
| Noncurrent loans to loans | 0.0851% | 4,731 |
| Net loans and leases to total assets | 66.5787% | 3,029 |
| Net loans and leases to deposits | 78.7095% | 3,098 |
| Net loans and leases to core deposits | 82.2765% | 3,262 |
| Total domestic deposits to total assets | 84.5878% | 2,888 |
| Equity capital to assets | 11.0405% | 2,829 |
| Core capital (leverage) ratio | 11.1876% | 2,287 |
| Tier 1 risk-based capital ratio | 14.5246% | 3,170 |
| Total risk-based capital ratio | 15.2332% | 3,368 |
| Memoranda: | ||
| Average total assets | $287,810,750 | 2,250 |
| Average earning assets | $265,037,000 | 2,262 |
| Average equity | $32,255,250 | 2,225 |
| Average total loans | $194,939,250 | 2,208 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8392% | 791 |
| Cost of funding earning assets | 0.2940% | 4,140 |
| Net interest margin | 4.5453% | 517 |
| Noninterest income to average assets | 0.8746% | 1,348 |
| Noninterest expense to average assets | 3.6094% | 861 |
| Loan and lease loss provision to assets | 0.1265% | 1,637 |
| Net operating income to assets | 1.3238% | 1,238 |
| Return on assets (ROA) | 1.3238% | 1,266 |
| Pretax return on assets | 1.3238% | 2,292 |
| Return on Equity (ROE) | 11.7514% | 1,377 |
| Retained earnings to average equity (ytd only) | 0.8425% | 4,882 |
| Net charge-offs to loans | 0.1148% | 1,489 |
| Credit loss provision to net charge-offs | 162.1622% | 1,449 |
| Earnings coverage of net charge-offs (x) | 18.5856% | 1,872 |
| Efficiency ratio | 71.3353% | 2,464 |
| Assets per employee ($millions) | 3.5705% | 4,624 |
| Cash dividends to net income (ytd only)* | 92.8306% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7697% | 5,021 |
| Loan loss allowance to noncurrent loans | 861.0169% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 4,273 |
| Noncurrent loans to loans | 0.0894% | 4,771 |
| Net loans and leases to total assets | 68.7820% | 2,695 |
| Net loans and leases to deposits | 80.4146% | 2,864 |
| Net loans and leases to core deposits | 83.4564% | 3,125 |
| Total domestic deposits to total assets | 85.5342% | 2,596 |
| Equity capital to assets | 11.3727% | 2,439 |
| Core capital (leverage) ratio | 11.2824% | 2,145 |
| Tier 1 risk-based capital ratio | 14.4594% | 3,191 |
| Total risk-based capital ratio | 15.1422% | 3,404 |
| Memoranda: | ||
| Average total assets | $284,479,670 | 2,282 |
| Average earning assets | $261,943,330 | 2,288 |
| Average equity | $32,047,330 | 2,227 |
| Average total loans | $193,295,670 | 2,229 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8245% | 713 |
| Cost of funding earning assets | 0.2860% | 4,187 |
| Net interest margin | 4.5385% | 490 |
| Noninterest income to average assets | 0.7932% | 1,579 |
| Noninterest expense to average assets | 3.7309% | 748 |
| Loan and lease loss provision to assets | 0.1268% | 1,520 |
| Net operating income to assets | 1.1173% | 1,800 |
| Return on assets (ROA) | 1.1173% | 1,840 |
| Pretax return on assets | 1.1173% | 2,912 |
| Return on Equity (ROE) | 9.9659% | 1,977 |
| Retained earnings to average equity (ytd only) | -3.8456% | 5,320 |
| Net charge-offs to loans | 0.2577% | 705 |
| Credit loss provision to net charge-offs | 73.1707% | 1,808 |
| Earnings coverage of net charge-offs (x) | 7.1789% | 2,160 |
| Efficiency ratio | 74.9929% | 2,068 |
| Assets per employee ($millions) | 3.4326% | 4,882 |
| Cash dividends to net income (ytd only)* | 138.5876% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7414% | 5,220 |
| Loan loss allowance to noncurrent loans | 412.1739% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 4,086 |
| Noncurrent loans to loans | 0.1799% | 4,483 |
| Net loans and leases to total assets | 66.8227% | 2,845 |
| Net loans and leases to deposits | 75.9440% | 3,203 |
| Net loans and leases to core deposits | 78.7374% | 3,419 |
| Total domestic deposits to total assets | 87.9895% | 1,721 |
| Equity capital to assets | 11.1471% | 2,481 |
| Core capital (leverage) ratio | 11.2639% | 2,129 |
| Tier 1 risk-based capital ratio | 14.4890% | 3,208 |
| Total risk-based capital ratio | 15.1362% | 3,464 |
| Memoranda: | ||
| Average total assets | $283,899,500 | 2,298 |
| Average earning assets | $261,582,000 | 2,308 |
| Average equity | $31,828,500 | 2,247 |
| Average total loans | $190,947,000 | 2,264 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6874% | 1,082 |
| Cost of funding earning assets | 0.2636% | 4,430 |
| Net interest margin | 4.4238% | 735 |
| Noninterest income to average assets | 0.9382% | 1,298 |
| Noninterest expense to average assets | 3.4444% | 1,267 |
| Loan and lease loss provision to assets | 0.3396% | 515 |
| Net operating income to assets | 1.2085% | 1,476 |
| Return on assets (ROA) | 1.2269% | 1,509 |
| Pretax return on assets | 1.2269% | 2,568 |
| Return on Equity (ROE) | 11.4636% | 1,416 |
| Retained earnings to average equity (ytd only) | 5.0311% | 2,323 |
| Net charge-offs to loans | 0.6232% | 364 |
| Credit loss provision to net charge-offs | 83.5997% | 2,916 |
| Earnings coverage of net charge-offs (x) | 3.8108% | 3,607 |
| Efficiency ratio | 68.9912% | 3,078 |
| Assets per employee ($millions) | 3.4083% | 4,892 |
| Cash dividends to net income (ytd only)* | 56.1125% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7654% | 5,197 |
| Loan loss allowance to noncurrent loans | 317.6856% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 3,984 |
| Noncurrent loans to loans | 0.2409% | 4,289 |
| Net loans and leases to total assets | 66.6807% | 2,977 |
| Net loans and leases to deposits | 77.7368% | 3,131 |
| Net loans and leases to core deposits | 80.5071% | 3,348 |
| Total domestic deposits to total assets | 85.7775% | 2,690 |
| Equity capital to assets | 11.2758% | 2,348 |
| Core capital (leverage) ratio | 10.9491% | 2,389 |
| Tier 1 risk-based capital ratio | 14.8728% | 3,020 |
| Total risk-based capital ratio | 15.5469% | 3,218 |
| Memoranda: | ||
| Average total assets | $292,677,600 | 2,211 |
| Average earning assets | $268,229,000 | 2,227 |
| Average equity | $31,325,200 | 2,268 |
| Average total loans | $190,775,600 | 2,202 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6718% | 1,130 |
| Cost of funding earning assets | 0.2607% | 4,502 |
| Net interest margin | 4.4110% | 758 |
| Noninterest income to average assets | 0.9058% | 1,388 |
| Noninterest expense to average assets | 3.4109% | 1,323 |
| Loan and lease loss provision to assets | 0.4084% | 350 |
| Net operating income to assets | 1.1218% | 1,907 |
| Return on assets (ROA) | 1.1462% | 1,930 |
| Pretax return on assets | 1.1462% | 3,062 |
| Return on Equity (ROE) | 10.8479% | 1,730 |
| Retained earnings to average equity (ytd only) | 2.5527% | 4,389 |
| Net charge-offs to loans | 0.5802% | 361 |
| Credit loss provision to net charge-offs | 108.7846% | 2,236 |
| Earnings coverage of net charge-offs (x) | 4.0758% | 3,316 |
| Efficiency ratio | 69.0317% | 3,037 |
| Assets per employee ($millions) | 3.5135% | 4,760 |
| Cash dividends to net income (ytd only)* | 76.4683% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 4,968 |
| Loan loss allowance to noncurrent loans | 262.6524% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 3,933 |
| Noncurrent loans to loans | 0.3312% | 4,070 |
| Net loans and leases to total assets | 65.7505% | 3,165 |
| Net loans and leases to deposits | 81.8109% | 2,758 |
| Net loans and leases to core deposits | 84.7303% | 3,061 |
| Total domestic deposits to total assets | 80.3689% | 4,421 |
| Equity capital to assets | 10.6669% | 3,385 |
| Core capital (leverage) ratio | 10.4769% | 3,023 |
| Tier 1 risk-based capital ratio | 13.8974% | 3,614 |
| Total risk-based capital ratio | 14.6667% | 3,820 |
| Memoranda: | ||
| Average total assets | $295,124,500 | 2,203 |
| Average earning assets | $269,983,250 | 2,219 |
| Average equity | $31,182,000 | 2,293 |
| Average total loans | $190,947,500 | 2,200 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6420% | 1,182 |
| Cost of funding earning assets | 0.2496% | 4,665 |
| Net interest margin | 4.3924% | 778 |
| Noninterest income to average assets | 0.9838% | 1,159 |
| Noninterest expense to average assets | 3.3897% | 1,394 |
| Loan and lease loss provision to assets | 0.5266% | 240 |
| Net operating income to assets | 1.0913% | 1,990 |
| Return on assets (ROA) | 1.1152% | 2,021 |
| Pretax return on assets | 1.1152% | 3,135 |
| Return on Equity (ROE) | 10.5888% | 1,809 |
| Retained earnings to average equity (ytd only) | 0.1034% | 5,263 |
| Net charge-offs to loans | -0.0276% | 5,080 |
| Credit loss provision to net charge-offs | -2,976.9231% | 5,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6902% | 3,407 |
| Assets per employee ($millions) | 3.7597% | 4,346 |
| Cash dividends to net income (ytd only)* | 99.0238% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 3,095 |
| Loan loss allowance to noncurrent loans | 162.8989% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 3,027 |
| Noncurrent loans to loans | 0.7652% | 2,831 |
| Net loans and leases to total assets | 65.3520% | 3,172 |
| Net loans and leases to deposits | 81.4331% | 2,767 |
| Net loans and leases to core deposits | 84.6983% | 3,017 |
| Total domestic deposits to total assets | 80.2524% | 4,486 |
| Equity capital to assets | 10.5521% | 3,576 |
| Core capital (leverage) ratio | 10.3505% | 3,130 |
| Tier 1 risk-based capital ratio | 13.5220% | 3,889 |
| Total risk-based capital ratio | 14.6065% | 3,899 |
| Memoranda: | ||
| Average total assets | $293,951,330 | 2,216 |
| Average earning assets | $269,282,330 | 2,239 |
| Average equity | $30,957,330 | 2,311 |
| Average total loans | $188,569,000 | 2,227 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6685% | 1,108 |
| Cost of funding earning assets | 0.2419% | 4,787 |
| Net interest margin | 4.4266% | 698 |
| Noninterest income to average assets | 1.1832% | 785 |
| Noninterest expense to average assets | 3.5634% | 1,078 |
| Loan and lease loss provision to assets | 0.9356% | 102 |
| Net operating income to assets | 0.7387% | 3,544 |
| Return on assets (ROA) | 0.7537% | 3,575 |
| Pretax return on assets | 0.7537% | 4,356 |
| Return on Equity (ROE) | 7.1639% | 3,365 |
| Retained earnings to average equity (ytd only) | -7.9830% | 5,747 |
| Net charge-offs to loans | -0.0628% | 5,443 |
| Credit loss provision to net charge-offs | -2,358.6207% | 4,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0334% | 3,462 |
| Assets per employee ($millions) | 3.7746% | 4,355 |
| Cash dividends to net income (ytd only)* | 211.4338% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 3,213 |
| Loan loss allowance to noncurrent loans | 136.1175% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.7445% | 2,845 |
| Noncurrent loans to loans | 0.9162% | 2,561 |
| Net loans and leases to total assets | 63.5535% | 3,309 |
| Net loans and leases to deposits | 72.9227% | 3,562 |
| Net loans and leases to core deposits | 75.6285% | 3,714 |
| Total domestic deposits to total assets | 87.1518% | 2,130 |
| Equity capital to assets | 10.3755% | 3,647 |
| Core capital (leverage) ratio | 10.2812% | 3,224 |
| Tier 1 risk-based capital ratio | 13.5810% | 3,932 |
| Total risk-based capital ratio | 14.6537% | 3,961 |
| Memoranda: | ||
| Average total assets | $292,420,500 | 2,233 |
| Average earning assets | $267,835,000 | 2,255 |
| Average equity | $30,765,500 | 2,318 |
| Average total loans | $184,576,500 | 2,267 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4761% | 1,676 |
| Cost of funding earning assets | 0.2503% | 4,785 |
| Net interest margin | 4.2258% | 1,111 |
| Noninterest income to average assets | 0.7100% | 2,157 |
| Noninterest expense to average assets | 3.2329% | 1,878 |
| Loan and lease loss provision to assets | 0.0305% | 3,762 |
| Net operating income to assets | 1.3510% | 1,150 |
| Return on assets (ROA) | 1.3886% | 1,100 |
| Pretax return on assets | 1.3886% | 1,945 |
| Return on Equity (ROE) | 13.8325% | 876 |
| Retained earnings to average equity (ytd only) | 7.1237% | 1,228 |
| Net charge-offs to loans | 0.0087% | 4,151 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 272.0000% | 267 |
| Efficiency ratio | 70.0616% | 3,215 |
| Assets per employee ($millions) | 3.6303% | 4,592 |
| Cash dividends to net income (ytd only)* | 48.5004% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 5,017 |
| Loan loss allowance to noncurrent loans | 1,853.9326% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 4,857 |
| Noncurrent loans to loans | 0.0495% | 5,315 |
| Net loans and leases to total assets | 61.2993% | 3,650 |
| Net loans and leases to deposits | 70.4602% | 3,872 |
| Net loans and leases to core deposits | 72.9358% | 4,043 |
| Total domestic deposits to total assets | 86.9984% | 2,140 |
| Equity capital to assets | 10.6685% | 3,170 |
| Core capital (leverage) ratio | 10.0980% | 3,384 |
| Tier 1 risk-based capital ratio | 15.0069% | 3,175 |
| Total risk-based capital ratio | 15.8179% | 3,320 |
| Memoranda: | ||
| Average total assets | $295,343,000 | 2,175 |
| Average earning assets | $272,871,000 | 2,185 |
| Average equity | $29,647,600 | 2,345 |
| Average total loans | $171,814,400 | 2,334 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 1,900 |
| Cost of funding earning assets | 0.2521% | 4,861 |
| Net interest margin | 4.1556% | 1,266 |
| Noninterest income to average assets | 0.6793% | 2,329 |
| Noninterest expense to average assets | 3.2306% | 1,885 |
| Loan and lease loss provision to assets | 0.0405% | 3,403 |
| Net operating income to assets | 1.2538% | 1,473 |
| Return on assets (ROA) | 1.2750% | 1,465 |
| Pretax return on assets | 1.2750% | 2,494 |
| Return on Equity (ROE) | 12.8993% | 1,149 |
| Retained earnings to average equity (ytd only) | 3.8571% | 3,725 |
| Net charge-offs to loans | 0.0290% | 3,355 |
| Credit loss provision to net charge-offs | 243.2432% | 1,161 |
| Earnings coverage of net charge-offs (x) | 77.8141% | 760 |
| Efficiency ratio | 71.3959% | 2,977 |
| Assets per employee ($millions) | 3.7840% | 4,296 |
| Cash dividends to net income (ytd only)* | 70.0987% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8590% | 5,330 |
| Loan loss allowance to noncurrent loans | 477.4194% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 5,094 |
| Noncurrent loans to loans | 0.1799% | 4,931 |
| Net loans and leases to total assets | 61.3062% | 3,690 |
| Net loans and leases to deposits | 75.5299% | 3,360 |
| Net loans and leases to core deposits | 78.5099% | 3,561 |
| Total domestic deposits to total assets | 81.1681% | 4,432 |
| Equity capital to assets | 9.7797% | 4,410 |
| Core capital (leverage) ratio | 9.5272% | 4,263 |
| Tier 1 risk-based capital ratio | 13.8546% | 3,934 |
| Total risk-based capital ratio | 14.6253% | 4,130 |
| Memoranda: | ||
| Average total assets | $296,572,250 | 2,181 |
| Average earning assets | $274,451,250 | 2,187 |
| Average equity | $29,313,500 | 2,380 |
| Average total loans | $169,848,250 | 2,366 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 2,233 |
| Cost of funding earning assets | 0.2506% | 4,933 |
| Net interest margin | 4.0305% | 1,554 |
| Noninterest income to average assets | 0.6656% | 2,385 |
| Noninterest expense to average assets | 3.2012% | 1,981 |
| Loan and lease loss provision to assets | 0.0614% | 2,878 |
| Net operating income to assets | 1.1321% | 1,832 |
| Return on assets (ROA) | 1.1416% | 1,878 |
| Pretax return on assets | 1.1416% | 3,003 |
| Return on Equity (ROE) | 11.5079% | 1,522 |
| Retained earnings to average equity (ytd only) | 1.0655% | 5,146 |
| Net charge-offs to loans | 0.0416% | 2,856 |
| Credit loss provision to net charge-offs | 264.7059% | 1,007 |
| Earnings coverage of net charge-offs (x) | 51.4706% | 940 |
| Efficiency ratio | 72.8430% | 2,871 |
| Assets per employee ($millions) | 3.9245% | 4,030 |
| Cash dividends to net income (ytd only)* | 90.7407% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 5,336 |
| Loan loss allowance to noncurrent loans | 499.0826% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 5,010 |
| Noncurrent loans to loans | 0.1783% | 5,064 |
| Net loans and leases to total assets | 60.1502% | 3,809 |
| Net loans and leases to deposits | 74.0038% | 3,494 |
| Net loans and leases to core deposits | 77.1342% | 3,651 |
| Total domestic deposits to total assets | 81.2798% | 4,525 |
| Equity capital to assets | 9.6513% | 4,467 |
| Core capital (leverage) ratio | 9.6598% | 4,059 |
| Tier 1 risk-based capital ratio | 13.5468% | 4,191 |
| Total risk-based capital ratio | 14.3205% | 4,391 |
| Memoranda: | ||
| Average total assets | $293,262,670 | 2,217 |
| Average earning assets | $271,329,670 | 2,224 |
| Average equity | $29,093,000 | 2,412 |
| Average total loans | $163,287,000 | 2,447 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1750% | 2,547 |
| Cost of funding earning assets | 0.2518% | 5,003 |
| Net interest margin | 3.9233% | 1,811 |
| Noninterest income to average assets | 0.6343% | 2,475 |
| Noninterest expense to average assets | 3.1870% | 2,020 |
| Loan and lease loss provision to assets | 0.0623% | 2,681 |
| Net operating income to assets | 1.0111% | 2,215 |
| Return on assets (ROA) | 1.0111% | 2,349 |
| Pretax return on assets | 1.0111% | 3,453 |
| Return on Equity (ROE) | 10.0492% | 1,979 |
| Retained earnings to average equity (ytd only) | -4.5841% | 5,903 |
| Net charge-offs to loans | -0.0418% | 5,431 |
| Credit loss provision to net charge-offs | -281.2500% | 4,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8049% | 2,687 |
| Assets per employee ($millions) | 3.8451% | 4,258 |
| Cash dividends to net income (ytd only)* | 145.6164% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 5,013 |
| Loan loss allowance to noncurrent loans | 197.1084% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 4,428 |
| Noncurrent loans to loans | 0.5082% | 4,059 |
| Net loans and leases to total assets | 56.0622% | 4,192 |
| Net loans and leases to deposits | 63.3659% | 4,445 |
| Net loans and leases to core deposits | 65.7809% | 4,538 |
| Total domestic deposits to total assets | 88.4737% | 1,557 |
| Equity capital to assets | 10.0529% | 4,089 |
| Core capital (leverage) ratio | 9.7309% | 3,978 |
| Tier 1 risk-based capital ratio | 15.3067% | 3,257 |
| Total risk-based capital ratio | 16.1983% | 3,387 |
| Memoranda: | ||
| Average total assets | $288,800,500 | 2,256 |
| Average earning assets | $266,921,500 | 2,270 |
| Average equity | $29,057,000 | 2,428 |
| Average total loans | $153,231,500 | 2,577 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4082% | 2,191 |
| Cost of funding earning assets | 0.3454% | 4,299 |
| Net interest margin | 4.0628% | 1,700 |
| Noninterest income to average assets | 0.8213% | 1,786 |
| Noninterest expense to average assets | 3.2331% | 2,119 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3341% | 1,221 |
| Return on assets (ROA) | 1.3499% | 1,243 |
| Pretax return on assets | 1.3499% | 2,079 |
| Return on Equity (ROE) | 14.0216% | 931 |
| Retained earnings to average equity (ytd only) | 7.8935% | 1,055 |
| Net charge-offs to loans | 0.0432% | 3,959 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 62.0164% | 770 |
| Efficiency ratio | 70.7899% | 3,419 |
| Assets per employee ($millions) | 3.9619% | 4,038 |
| Cash dividends to net income (ytd only)* | 43.7043% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 4,539 |
| Loan loss allowance to noncurrent loans | 286.3636% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.3980% | 4,498 |
| Noncurrent loans to loans | 0.3842% | 4,487 |
| Net loans and leases to total assets | 48.9520% | 5,072 |
| Net loans and leases to deposits | 54.9681% | 5,250 |
| Net loans and leases to core deposits | 57.0408% | 5,309 |
| Total domestic deposits to total assets | 89.0552% | 1,212 |
| Equity capital to assets | 10.0696% | 4,021 |
| Core capital (leverage) ratio | 9.7567% | 3,890 |
| Tier 1 risk-based capital ratio | 16.8701% | 2,564 |
| Total risk-based capital ratio | 17.8051% | 2,636 |
| Memoranda: | ||
| Average total assets | $283,569,400 | 2,245 |
| Average earning assets | $261,446,400 | 2,264 |
| Average equity | $27,300,800 | 2,463 |
| Average total loans | $141,285,000 | 2,696 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 2,018 |
| Cost of funding earning assets | 0.3627% | 4,206 |
| Net interest margin | 4.0962% | 1,586 |
| Noninterest income to average assets | 0.8095% | 1,856 |
| Noninterest expense to average assets | 3.1835% | 2,226 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3992% | 1,132 |
| Return on assets (ROA) | 1.4204% | 1,129 |
| Pretax return on assets | 1.4204% | 1,930 |
| Return on Equity (ROE) | 14.9296% | 841 |
| Retained earnings to average equity (ytd only) | 6.6205% | 2,031 |
| Net charge-offs to loans | -0.0833% | 6,084 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4679% | 3,594 |
| Assets per employee ($millions) | 3.4001% | 5,048 |
| Cash dividends to net income (ytd only)* | 55.6553% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 4,486 |
| Loan loss allowance to noncurrent loans | 239.1123% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.3768% | 4,794 |
| Noncurrent loans to loans | 0.4819% | 4,464 |
| Net loans and leases to total assets | 51.1749% | 4,880 |
| Net loans and leases to deposits | 61.4577% | 4,798 |
| Net loans and leases to core deposits | 64.1044% | 4,873 |
| Total domestic deposits to total assets | 83.2685% | 4,043 |
| Equity capital to assets | 9.6467% | 4,610 |
| Core capital (leverage) ratio | 9.6015% | 4,241 |
| Tier 1 risk-based capital ratio | 15.9635% | 3,077 |
| Total risk-based capital ratio | 16.9608% | 3,146 |
| Memoranda: | ||
| Average total assets | $282,157,750 | 2,272 |
| Average earning assets | $259,911,750 | 2,293 |
| Average equity | $26,845,250 | 2,509 |
| Average total loans | $140,818,250 | 2,718 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4113% | 2,138 |
| Cost of funding earning assets | 0.3695% | 4,216 |
| Net interest margin | 4.0417% | 1,690 |
| Noninterest income to average assets | 0.8318% | 1,728 |
| Noninterest expense to average assets | 3.2701% | 1,992 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2820% | 1,362 |
| Return on assets (ROA) | 1.3142% | 1,317 |
| Pretax return on assets | 1.3142% | 2,204 |
| Return on Equity (ROE) | 13.8791% | 982 |
| Retained earnings to average equity (ytd only) | 3.9622% | 3,659 |
| Net charge-offs to loans | -0.1059% | 6,167 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8367% | 3,375 |
| Assets per employee ($millions) | 3.6171% | 4,623 |
| Cash dividends to net income (ytd only)* | 71.4519% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 4,720 |
| Loan loss allowance to noncurrent loans | 382.3266% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 5,284 |
| Noncurrent loans to loans | 0.2976% | 5,126 |
| Net loans and leases to total assets | 51.9592% | 4,750 |
| Net loans and leases to deposits | 61.5036% | 4,738 |
| Net loans and leases to core deposits | 64.2814% | 4,795 |
| Total domestic deposits to total assets | 84.4816% | 3,732 |
| Equity capital to assets | 9.5230% | 4,722 |
| Core capital (leverage) ratio | 9.6983% | 4,046 |
| Tier 1 risk-based capital ratio | 15.4662% | 3,370 |
| Total risk-based capital ratio | 16.4529% | 3,473 |
| Memoranda: | ||
| Average total assets | $279,873,330 | 2,293 |
| Average earning assets | $257,611,670 | 2,301 |
| Average equity | $26,500,330 | 2,524 |
| Average total loans | $137,882,670 | 2,760 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4207% | 2,060 |
| Cost of funding earning assets | 0.3736% | 4,269 |
| Net interest margin | 4.0471% | 1,611 |
| Noninterest income to average assets | 0.8854% | 1,442 |
| Noninterest expense to average assets | 3.2730% | 2,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3519% | 1,096 |
| Return on assets (ROA) | 1.3519% | 1,139 |
| Pretax return on assets | 1.3519% | 1,908 |
| Return on Equity (ROE) | 14.3204% | 887 |
| Retained earnings to average equity (ytd only) | 1.1169% | 5,157 |
| Net charge-offs to loans | -0.1518% | 6,295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7683% | 3,691 |
| Assets per employee ($millions) | 3.5882% | 4,746 |
| Cash dividends to net income (ytd only)* | 92.2009% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 4,426 |
| Loan loss allowance to noncurrent loans | 326.7442% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 5,261 |
| Noncurrent loans to loans | 0.3803% | 4,983 |
| Net loans and leases to total assets | 47.8791% | 5,149 |
| Net loans and leases to deposits | 53.2343% | 5,355 |
| Net loans and leases to core deposits | 55.5321% | 5,385 |
| Total domestic deposits to total assets | 89.9403% | 1,105 |
| Equity capital to assets | 9.3869% | 4,651 |
| Core capital (leverage) ratio | 9.5357% | 4,231 |
| Tier 1 risk-based capital ratio | 16.3644% | 2,967 |
| Total risk-based capital ratio | 17.4120% | 3,043 |
| Memoranda: | ||
| Average total assets | $276,934,500 | 2,322 |
| Average earning assets | $255,887,000 | 2,316 |
| Average equity | $26,144,500 | 2,539 |
| Average total loans | $131,732,500 | 2,852 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5485% | 2,037 |
| Cost of funding earning assets | 0.4045% | 4,597 |
| Net interest margin | 4.1439% | 1,529 |
| Noninterest income to average assets | 0.8785% | 1,760 |
| Noninterest expense to average assets | 3.3616% | 1,971 |
| Loan and lease loss provision to assets | 0.0175% | 4,782 |
| Net operating income to assets | 1.3215% | 1,202 |
| Return on assets (ROA) | 1.3443% | 1,182 |
| Pretax return on assets | 1.3443% | 1,989 |
| Return on Equity (ROE) | 13.4443% | 1,079 |
| Retained earnings to average equity (ytd only) | 4.9029% | 2,667 |
| Net charge-offs to loans | 0.0393% | 4,676 |
| Credit loss provision to net charge-offs | 88.2353% | 2,811 |
| Earnings coverage of net charge-offs (x) | 67.6863% | 623 |
| Efficiency ratio | 71.5158% | 3,564 |
| Assets per employee ($millions) | 3.5583% | 4,786 |
| Cash dividends to net income (ytd only)* | 63.5314% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 4,239 |
| Loan loss allowance to noncurrent loans | 304.6555% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 5,315 |
| Noncurrent loans to loans | 0.4203% | 4,942 |
| Net loans and leases to total assets | 46.0380% | 5,479 |
| Net loans and leases to deposits | 51.3451% | 5,669 |
| Net loans and leases to core deposits | 53.5572% | 5,702 |
| Total domestic deposits to total assets | 89.6638% | 1,239 |
| Equity capital to assets | 9.4956% | 4,431 |
| Core capital (leverage) ratio | 9.6441% | 4,062 |
| Tier 1 risk-based capital ratio | 16.8589% | 2,676 |
| Total risk-based capital ratio | 17.9091% | 2,736 |
| Memoranda: | ||
| Average total assets | $257,822,000 | 2,455 |
| Average earning assets | $237,795,200 | 2,440 |
| Average equity | $25,780,400 | 2,565 |
| Average total loans | $129,731,000 | 2,872 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6681% | 1,686 |
| Cost of funding earning assets | 0.4068% | 4,770 |
| Net interest margin | 4.2613% | 1,184 |
| Noninterest income to average assets | 0.8695% | 1,860 |
| Noninterest expense to average assets | 3.3824% | 1,865 |
| Loan and lease loss provision to assets | 0.0236% | 4,535 |
| Net operating income to assets | 1.3928% | 1,121 |
| Return on assets (ROA) | 1.4238% | 1,102 |
| Pretax return on assets | 1.4238% | 1,855 |
| Return on Equity (ROE) | 14.0477% | 988 |
| Retained earnings to average equity (ytd only) | 3.1309% | 4,440 |
| Net charge-offs to loans | -0.0256% | 6,118 |
| Credit loss provision to net charge-offs | -180.0000% | 5,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4839% | 3,676 |
| Assets per employee ($millions) | 3.2926% | 5,296 |
| Cash dividends to net income (ytd only)* | 77.7122% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 4,259 |
| Loan loss allowance to noncurrent loans | 301.4085% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.3577% | 5,337 |
| Noncurrent loans to loans | 0.4403% | 5,095 |
| Net loans and leases to total assets | 47.7301% | 5,381 |
| Net loans and leases to deposits | 53.3172% | 5,603 |
| Net loans and leases to core deposits | 55.6799% | 5,652 |
| Total domestic deposits to total assets | 89.5209% | 1,282 |
| Equity capital to assets | 9.6167% | 4,394 |
| Core capital (leverage) ratio | 9.9516% | 3,740 |
| Tier 1 risk-based capital ratio | 16.5410% | 2,919 |
| Total risk-based capital ratio | 17.6471% | 2,949 |
| Memoranda: | ||
| Average total assets | $253,780,250 | 2,512 |
| Average earning assets | $234,008,750 | 2,495 |
| Average equity | $25,721,250 | 2,601 |
| Average total loans | $130,220,000 | 2,878 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7096% | 1,539 |
| Cost of funding earning assets | 0.4054% | 4,889 |
| Net interest margin | 4.3042% | 1,022 |
| Noninterest income to average assets | 0.8770% | 1,902 |
| Noninterest expense to average assets | 3.5002% | 1,608 |
| Loan and lease loss provision to assets | 0.0361% | 4,224 |
| Net operating income to assets | 1.3076% | 1,308 |
| Return on assets (ROA) | 1.3076% | 1,391 |
| Pretax return on assets | 1.3076% | 2,273 |
| Return on Equity (ROE) | 12.6701% | 1,324 |
| Retained earnings to average equity (ytd only) | -1.4527% | 6,119 |
| Net charge-offs to loans | -0.0704% | 6,385 |
| Credit loss provision to net charge-offs | -97.8261% | 5,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2608% | 3,425 |
| Assets per employee ($millions) | 3.3212% | 5,230 |
| Cash dividends to net income (ytd only)* | 111.4654% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 4,963 |
| Loan loss allowance to noncurrent loans | 326.9811% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 5,405 |
| Noncurrent loans to loans | 0.3686% | 5,355 |
| Net loans and leases to total assets | 56.2765% | 4,236 |
| Net loans and leases to deposits | 63.0667% | 4,617 |
| Net loans and leases to core deposits | 66.3210% | 4,660 |
| Total domestic deposits to total assets | 89.2333% | 1,490 |
| Equity capital to assets | 9.9818% | 3,937 |
| Core capital (leverage) ratio | 9.7654% | 3,841 |
| Tier 1 risk-based capital ratio | 14.9705% | 3,799 |
| Total risk-based capital ratio | 16.0162% | 3,896 |
| Memoranda: | ||
| Average total assets | $249,473,000 | 2,556 |
| Average earning assets | $229,915,330 | 2,542 |
| Average equity | $25,745,670 | 2,605 |
| Average total loans | $130,623,670 | 2,867 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6231% | 1,762 |
| Cost of funding earning assets | 0.4023% | 5,080 |
| Net interest margin | 4.2208% | 1,138 |
| Noninterest income to average assets | 0.8629% | 1,891 |
| Noninterest expense to average assets | 3.3596% | 1,931 |
| Loan and lease loss provision to assets | 0.0726% | 3,418 |
| Net operating income to assets | 1.3226% | 1,222 |
| Return on assets (ROA) | 1.3226% | 1,325 |
| Pretax return on assets | 1.3226% | 2,150 |
| Return on Equity (ROE) | 12.6052% | 1,265 |
| Retained earnings to average equity (ytd only) | -1.9676% | 6,075 |
| Net charge-offs to loans | -0.0709% | 6,281 |
| Credit loss provision to net charge-offs | -204.5455% | 5,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6581% | 3,858 |
| Assets per employee ($millions) | 3.2898% | 5,454 |
| Cash dividends to net income (ytd only)* | 115.6098% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 4,484 |
| Loan loss allowance to noncurrent loans | 372.5490% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 5,586 |
| Noncurrent loans to loans | 0.3616% | 5,499 |
| Net loans and leases to total assets | 49.4284% | 5,062 |
| Net loans and leases to deposits | 55.4637% | 5,301 |
| Net loans and leases to core deposits | 58.3416% | 5,307 |
| Total domestic deposits to total assets | 89.1184% | 1,616 |
| Equity capital to assets | 10.2204% | 3,882 |
| Core capital (leverage) ratio | 9.9761% | 3,416 |
| Tier 1 risk-based capital ratio | 16.2083% | 3,153 |
| Total risk-based capital ratio | 17.3227% | 3,181 |
| Memoranda: | ||
| Average total assets | $248,005,000 | 2,605 |
| Average earning assets | $228,677,000 | 2,577 |
| Average equity | $26,021,000 | 2,615 |
| Average total loans | $124,045,500 | 3,012 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8169% | 2,132 |
| Cost of funding earning assets | 0.4406% | 5,647 |
| Net interest margin | 4.3763% | 1,210 |
| Noninterest income to average assets | 1.0806% | 1,330 |
| Noninterest expense to average assets | 3.5465% | 1,727 |
| Loan and lease loss provision to assets | 0.0760% | 4,772 |
| Net operating income to assets | 1.4435% | 1,017 |
| Return on assets (ROA) | 1.4460% | 1,132 |
| Pretax return on assets | 1.4460% | 1,873 |
| Return on Equity (ROE) | 13.6670% | 1,067 |
| Retained earnings to average equity (ytd only) | 7.2742% | 1,436 |
| Net charge-offs to loans | 0.1685% | 4,029 |
| Credit loss provision to net charge-offs | 89.5522% | 3,495 |
| Earnings coverage of net charge-offs (x) | 17.9154% | 1,476 |
| Efficiency ratio | 70.0067% | 3,814 |
| Assets per employee ($millions) | 3.1933% | 5,637 |
| Cash dividends to net income (ytd only)* | 46.7756% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 4,377 |
| Loan loss allowance to noncurrent loans | 436.9681% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 5,709 |
| Noncurrent loans to loans | 0.3103% | 5,708 |
| Net loans and leases to total assets | 49.2505% | 5,274 |
| Net loans and leases to deposits | 55.6947% | 5,473 |
| Net loans and leases to core deposits | 57.9325% | 5,549 |
| Total domestic deposits to total assets | 88.4294% | 1,947 |
| Equity capital to assets | 10.7758% | 3,200 |
| Core capital (leverage) ratio | 10.3223% | 2,984 |
| Tier 1 risk-based capital ratio | 16.8707% | 2,712 |
| Total risk-based capital ratio | 17.9796% | 2,750 |
| Memoranda: | ||
| Average total assets | $236,994,600 | 2,663 |
| Average earning assets | $215,821,800 | 2,662 |
| Average equity | $25,075,000 | 2,651 |
| Average total loans | $119,312,000 | 3,094 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8959% | 2,021 |
| Cost of funding earning assets | 0.4516% | 5,784 |
| Net interest margin | 4.4442% | 1,104 |
| Noninterest income to average assets | 1.0454% | 1,386 |
| Noninterest expense to average assets | 3.5765% | 1,604 |
| Loan and lease loss provision to assets | 0.1019% | 4,305 |
| Net operating income to assets | 1.4104% | 1,201 |
| Return on assets (ROA) | 1.4138% | 1,309 |
| Pretax return on assets | 1.4138% | 2,188 |
| Return on Equity (ROE) | 13.4266% | 1,244 |
| Retained earnings to average equity (ytd only) | 4.8106% | 3,506 |
| Net charge-offs to loans | 0.0774% | 4,631 |
| Credit loss provision to net charge-offs | 260.8696% | 1,058 |
| Earnings coverage of net charge-offs (x) | 38.7237% | 902 |
| Efficiency ratio | 70.2814% | 3,640 |
| Assets per employee ($millions) | 3.0786% | 5,901 |
| Cash dividends to net income (ytd only)* | 64.1714% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 4,213 |
| Loan loss allowance to noncurrent loans | 239.8649% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4918% | 5,447 |
| Noncurrent loans to loans | 0.5986% | 5,243 |
| Net loans and leases to total assets | 50.7394% | 5,221 |
| Net loans and leases to deposits | 58.1380% | 5,423 |
| Net loans and leases to core deposits | 60.8852% | 5,466 |
| Total domestic deposits to total assets | 87.2740% | 2,513 |
| Equity capital to assets | 10.6359% | 3,686 |
| Core capital (leverage) ratio | 9.9817% | 3,571 |
| Tier 1 risk-based capital ratio | 15.9145% | 3,310 |
| Total risk-based capital ratio | 17.0882% | 3,323 |
| Memoranda: | ||
| Average total assets | $235,570,250 | 2,699 |
| Average earning assets | $214,325,250 | 2,706 |
| Average equity | $24,805,750 | 2,703 |
| Average total loans | $118,847,500 | 3,145 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8688% | 2,232 |
| Cost of funding earning assets | 0.4632% | 5,881 |
| Net interest margin | 4.4056% | 1,185 |
| Noninterest income to average assets | 1.0989% | 1,185 |
| Noninterest expense to average assets | 3.6300% | 1,514 |
| Loan and lease loss provision to assets | 0.1025% | 4,237 |
| Net operating income to assets | 1.3732% | 1,249 |
| Return on assets (ROA) | 1.3732% | 1,412 |
| Pretax return on assets | 1.3732% | 2,311 |
| Return on Equity (ROE) | 13.0858% | 1,341 |
| Retained earnings to average equity (ytd only) | 1.6449% | 5,380 |
| Net charge-offs to loans | 0.0989% | 4,179 |
| Credit loss provision to net charge-offs | 206.8966% | 1,368 |
| Earnings coverage of net charge-offs (x) | 29.7759% | 1,078 |
| Efficiency ratio | 71.0962% | 3,584 |
| Assets per employee ($millions) | 3.2128% | 5,622 |
| Cash dividends to net income (ytd only)* | 87.4300% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 4,906 |
| Loan loss allowance to noncurrent loans | 306.5719% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 5,661 |
| Noncurrent loans to loans | 0.4230% | 5,688 |
| Net loans and leases to total assets | 53.8037% | 4,840 |
| Net loans and leases to deposits | 63.5695% | 4,821 |
| Net loans and leases to core deposits | 66.9128% | 4,906 |
| Total domestic deposits to total assets | 84.6375% | 4,038 |
| Equity capital to assets | 10.1494% | 4,124 |
| Core capital (leverage) ratio | 9.8930% | 3,585 |
| Tier 1 risk-based capital ratio | 14.8320% | 3,878 |
| Total risk-based capital ratio | 15.9272% | 3,944 |
| Memoranda: | ||
| Average total assets | $234,050,000 | 2,719 |
| Average earning assets | $212,863,670 | 2,725 |
| Average equity | $24,561,000 | 2,715 |
| Average total loans | $117,258,000 | 3,193 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8682% | 2,359 |
| Cost of funding earning assets | 0.4738% | 5,988 |
| Net interest margin | 4.3944% | 1,237 |
| Noninterest income to average assets | 1.1686% | 1,046 |
| Noninterest expense to average assets | 3.6019% | 1,552 |
| Loan and lease loss provision to assets | 0.1048% | 4,030 |
| Net operating income to assets | 1.4638% | 1,094 |
| Return on assets (ROA) | 1.4638% | 1,223 |
| Pretax return on assets | 1.4638% | 1,981 |
| Return on Equity (ROE) | 13.7093% | 1,250 |
| Retained earnings to average equity (ytd only) | 2.0449% | 5,249 |
| Net charge-offs to loans | 0.0110% | 4,560 |
| Credit loss provision to net charge-offs | 2,000.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 299.3333% | 110 |
| Efficiency ratio | 69.6622% | 3,875 |
| Assets per employee ($millions) | 3.5103% | 5,099 |
| Cash dividends to net income (ytd only)* | 85.0835% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5391% | 3,993 |
| Loan loss allowance to noncurrent loans | 273.1746% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.9303% | 4,661 |
| Noncurrent loans to loans | 0.5634% | 5,535 |
| Net loans and leases to total assets | 46.8121% | 5,699 |
| Net loans and leases to deposits | 52.6380% | 5,932 |
| Net loans and leases to core deposits | 55.7767% | 5,922 |
| Total domestic deposits to total assets | 88.9322% | 1,740 |
| Equity capital to assets | 10.4411% | 3,565 |
| Core capital (leverage) ratio | 10.1616% | 3,158 |
| Tier 1 risk-based capital ratio | 16.6910% | 2,818 |
| Total risk-based capital ratio | 17.9240% | 2,780 |
| Memoranda: | ||
| Average total assets | $228,988,500 | 2,778 |
| Average earning assets | $208,538,000 | 2,791 |
| Average equity | $24,450,500 | 2,722 |
| Average total loans | $109,337,000 | 3,368 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1056% | 2,427 |
| Cost of funding earning assets | 0.5712% | 6,232 |
| Net interest margin | 4.5344% | 1,057 |
| Noninterest income to average assets | 1.2231% | 877 |
| Noninterest expense to average assets | 3.8567% | 1,246 |
| Loan and lease loss provision to assets | 0.0594% | 5,861 |
| Net operating income to assets | 1.4119% | 1,005 |
| Return on assets (ROA) | 1.4366% | 1,036 |
| Pretax return on assets | 1.4366% | 1,663 |
| Return on Equity (ROE) | 13.5002% | 1,046 |
| Retained earnings to average equity (ytd only) | 7.7254% | 1,182 |
| Net charge-offs to loans | 0.1329% | 5,086 |
| Credit loss provision to net charge-offs | 89.6552% | 4,017 |
| Earnings coverage of net charge-offs (x) | 22.1931% | 1,070 |
| Efficiency ratio | 72.3848% | 3,502 |
| Assets per employee ($millions) | 3.1827% | 5,745 |
| Cash dividends to net income (ytd only)* | 42.7753% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5572% | 3,767 |
| Loan loss allowance to noncurrent loans | 274.5875% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.9767% | 4,656 |
| Noncurrent loans to loans | 0.5671% | 5,580 |
| Net loans and leases to total assets | 47.2162% | 5,904 |
| Net loans and leases to deposits | 53.4914% | 6,115 |
| Net loans and leases to core deposits | 56.8046% | 6,093 |
| Total domestic deposits to total assets | 88.2688% | 1,985 |
| Equity capital to assets | 10.9273% | 3,047 |
| Core capital (leverage) ratio | 10.3714% | 2,879 |
| Tier 1 risk-based capital ratio | 17.2888% | 2,474 |
| Total risk-based capital ratio | 18.5302% | 2,448 |
| Memoranda: | ||
| Average total assets | $218,708,800 | 2,851 |
| Average earning assets | $197,996,800 | 2,880 |
| Average equity | $23,273,800 | 2,751 |
| Average total loans | $109,087,200 | 3,405 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1153% | 2,532 |
| Cost of funding earning assets | 0.5946% | 6,301 |
| Net interest margin | 4.5207% | 1,098 |
| Noninterest income to average assets | 1.2329% | 856 |
| Noninterest expense to average assets | 3.7619% | 1,379 |
| Loan and lease loss provision to assets | 0.0796% | 5,450 |
| Net operating income to assets | 1.4847% | 975 |
| Return on assets (ROA) | 1.5177% | 978 |
| Pretax return on assets | 1.5177% | 1,602 |
| Return on Equity (ROE) | 14.3611% | 965 |
| Retained earnings to average equity (ytd only) | 7.0472% | 1,943 |
| Net charge-offs to loans | 0.0268% | 5,773 |
| Credit loss provision to net charge-offs | 590.9091% | 458 |
| Earnings coverage of net charge-offs (x) | 116.1013% | 308 |
| Efficiency ratio | 70.6302% | 3,827 |
| Assets per employee ($millions) | 3.0365% | 6,038 |
| Cash dividends to net income (ytd only)* | 50.9280% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 3,484 |
| Loan loss allowance to noncurrent loans | 294.3987% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 1.0015% | 4,752 |
| Noncurrent loans to loans | 0.5572% | 5,751 |
| Net loans and leases to total assets | 48.3410% | 5,914 |
| Net loans and leases to deposits | 54.6935% | 6,146 |
| Net loans and leases to core deposits | 57.4659% | 6,171 |
| Total domestic deposits to total assets | 88.3852% | 1,816 |
| Equity capital to assets | 10.8096% | 3,341 |
| Core capital (leverage) ratio | 10.3067% | 3,076 |
| Tier 1 risk-based capital ratio | 15.6646% | 3,299 |
| Total risk-based capital ratio | 16.9037% | 3,277 |
| Memoranda: | ||
| Average total assets | $217,688,500 | 2,868 |
| Average earning assets | $197,102,750 | 2,900 |
| Average equity | $23,006,000 | 2,778 |
| Average total loans | $109,644,750 | 3,420 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1870% | 2,313 |
| Cost of funding earning assets | 0.6218% | 6,355 |
| Net interest margin | 4.5651% | 975 |
| Noninterest income to average assets | 1.2793% | 769 |
| Noninterest expense to average assets | 3.8620% | 1,259 |
| Loan and lease loss provision to assets | 0.1202% | 4,775 |
| Net operating income to assets | 1.4300% | 1,022 |
| Return on assets (ROA) | 1.4531% | 1,032 |
| Pretax return on assets | 1.4531% | 1,658 |
| Return on Equity (ROE) | 13.8577% | 1,004 |
| Retained earnings to average equity (ytd only) | 5.2187% | 2,864 |
| Net charge-offs to loans | 0.0928% | 4,746 |
| Credit loss provision to net charge-offs | 254.9020% | 1,187 |
| Earnings coverage of net charge-offs (x) | 32.8824% | 864 |
| Efficiency ratio | 71.3578% | 3,866 |
| Assets per employee ($millions) | 3.0280% | 6,022 |
| Cash dividends to net income (ytd only)* | 62.3410% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 3,993 |
| Loan loss allowance to noncurrent loans | 255.8952% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 1.0582% | 4,774 |
| Noncurrent loans to loans | 0.5971% | 5,727 |
| Net loans and leases to total assets | 51.9701% | 5,564 |
| Net loans and leases to deposits | 58.6279% | 5,864 |
| Net loans and leases to core deposits | 62.1054% | 5,889 |
| Total domestic deposits to total assets | 88.6438% | 1,753 |
| Equity capital to assets | 10.6778% | 3,309 |
| Core capital (leverage) ratio | 9.9607% | 3,311 |
| Tier 1 risk-based capital ratio | 15.5179% | 3,228 |
| Total risk-based capital ratio | 16.7598% | 3,183 |
| Memoranda: | ||
| Average total assets | $216,363,000 | 2,899 |
| Average earning assets | $195,875,330 | 2,925 |
| Average equity | $22,687,670 | 2,793 |
| Average total loans | $109,879,000 | 3,457 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2484% | 2,055 |
| Cost of funding earning assets | 0.6359% | 6,446 |
| Net interest margin | 4.6125% | 843 |
| Noninterest income to average assets | 0.9186% | 1,590 |
| Noninterest expense to average assets | 3.8434% | 1,263 |
| Loan and lease loss provision to assets | 0.1856% | 3,754 |
| Net operating income to assets | 1.0764% | 1,922 |
| Return on assets (ROA) | 1.1024% | 1,883 |
| Pretax return on assets | 1.1024% | 2,747 |
| Return on Equity (ROE) | 10.6109% | 1,872 |
| Retained earnings to average equity (ytd only) | -1.1790% | 6,022 |
| Net charge-offs to loans | 0.3952% | 2,503 |
| Credit loss provision to net charge-offs | 94.3396% | 2,856 |
| Earnings coverage of net charge-offs (x) | 6.4151% | 2,106 |
| Efficiency ratio | 75.2817% | 3,287 |
| Assets per employee ($millions) | 3.1853% | 5,749 |
| Cash dividends to net income (ytd only)* | 111.1111% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5556% | 3,936 |
| Loan loss allowance to noncurrent loans | 513.1902% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.9050% | 5,091 |
| Noncurrent loans to loans | 0.3031% | 6,382 |
| Net loans and leases to total assets | 48.1698% | 6,060 |
| Net loans and leases to deposits | 53.9720% | 6,293 |
| Net loans and leases to core deposits | 56.9297% | 6,346 |
| Total domestic deposits to total assets | 89.2496% | 1,614 |
| Equity capital to assets | 10.1844% | 3,553 |
| Core capital (leverage) ratio | 9.8661% | 3,320 |
| Tier 1 risk-based capital ratio | 15.8087% | 2,994 |
| Total risk-based capital ratio | 17.0498% | 2,960 |
| Memoranda: | ||
| Average total assets | $215,537,500 | 2,929 |
| Average earning assets | $195,641,000 | 2,938 |
| Average equity | $22,392,000 | 2,816 |
| Average total loans | $107,288,500 | 3,553 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5305% | 2,159 |
| Cost of funding earning assets | 0.7803% | 6,645 |
| Net interest margin | 4.7503% | 732 |
| Noninterest income to average assets | 0.9418% | 1,698 |
| Noninterest expense to average assets | 3.7359% | 1,615 |
| Loan and lease loss provision to assets | 0.1167% | 5,991 |
| Net operating income to assets | 1.4076% | 936 |
| Return on assets (ROA) | 1.4096% | 1,000 |
| Pretax return on assets | 1.4096% | 1,636 |
| Return on Equity (ROE) | 13.5583% | 973 |
| Retained earnings to average equity (ytd only) | 8.3013% | 886 |
| Net charge-offs to loans | -0.2418% | 7,555 |
| Credit loss provision to net charge-offs | -91.0112% | 7,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0216% | 3,990 |
| Assets per employee ($millions) | 2.9346% | 6,238 |
| Cash dividends to net income (ytd only)* | 38.7734% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5687% | 3,704 |
| Loan loss allowance to noncurrent loans | 248.7407% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 1.2031% | 4,619 |
| Noncurrent loans to loans | 0.6306% | 5,787 |
| Net loans and leases to total assets | 49.8627% | 6,179 |
| Net loans and leases to deposits | 56.2539% | 6,418 |
| Net loans and leases to core deposits | 59.1946% | 6,458 |
| Total domestic deposits to total assets | 88.6387% | 1,869 |
| Equity capital to assets | 10.6016% | 3,064 |
| Core capital (leverage) ratio | 10.0973% | 2,977 |
| Tier 1 risk-based capital ratio | 15.9769% | 2,765 |
| Total risk-based capital ratio | 17.2319% | 2,710 |
| Memoranda: | ||
| Average total assets | $208,221,400 | 2,998 |
| Average earning assets | $189,294,600 | 3,017 |
| Average equity | $21,647,200 | 2,921 |
| Average total loans | $110,403,800 | 3,539 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5783% | 2,150 |
| Cost of funding earning assets | 0.8023% | 6,755 |
| Net interest margin | 4.7759% | 708 |
| Noninterest income to average assets | 0.9023% | 1,787 |
| Noninterest expense to average assets | 3.6415% | 1,692 |
| Loan and lease loss provision to assets | 0.1562% | 5,478 |
| Net operating income to assets | 1.4506% | 1,019 |
| Return on assets (ROA) | 1.4531% | 1,091 |
| Pretax return on assets | 1.4531% | 1,741 |
| Return on Equity (ROE) | 14.0481% | 1,022 |
| Retained earnings to average equity (ytd only) | 6.9775% | 1,860 |
| Net charge-offs to loans | -0.2313% | 7,633 |
| Credit loss provision to net charge-offs | -125.9067% | 6,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3853% | 4,191 |
| Assets per employee ($millions) | 2.9770% | 6,199 |
| Cash dividends to net income (ytd only)* | 50.3319% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 4,259 |
| Loan loss allowance to noncurrent loans | 438.5246% | 681 |
| Noncurrent assets plus other real estate owned to assets | 1.0715% | 4,969 |
| Noncurrent loans to loans | 0.3283% | 6,536 |
| Net loans and leases to total assets | 52.7225% | 6,010 |
| Net loans and leases to deposits | 59.4989% | 6,354 |
| Net loans and leases to core deposits | 62.5619% | 6,409 |
| Total domestic deposits to total assets | 88.6109% | 1,615 |
| Equity capital to assets | 10.6131% | 3,397 |
| Core capital (leverage) ratio | 10.0768% | 3,172 |
| Tier 1 risk-based capital ratio | 15.4298% | 3,036 |
| Total risk-based capital ratio | 16.6262% | 3,023 |
| Memoranda: | ||
| Average total assets | $207,454,750 | 3,049 |
| Average earning assets | $188,775,000 | 3,057 |
| Average equity | $21,459,000 | 2,986 |
| Average total loans | $111,246,500 | 3,577 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5325% | 2,398 |
| Cost of funding earning assets | 0.8184% | 6,854 |
| Net interest margin | 4.7142% | 798 |
| Noninterest income to average assets | 0.8892% | 1,728 |
| Noninterest expense to average assets | 3.7008% | 1,556 |
| Loan and lease loss provision to assets | 0.2346% | 4,570 |
| Net operating income to assets | 1.2475% | 1,431 |
| Return on assets (ROA) | 1.2475% | 1,494 |
| Pretax return on assets | 1.2475% | 2,264 |
| Return on Equity (ROE) | 12.1659% | 1,412 |
| Retained earnings to average equity (ytd only) | 3.3616% | 3,969 |
| Net charge-offs to loans | -0.3472% | 7,701 |
| Credit loss provision to net charge-offs | -125.9067% | 6,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4046% | 3,921 |
| Assets per employee ($millions) | 3.0032% | 6,134 |
| Cash dividends to net income (ytd only)* | 72.3684% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 4,490 |
| Loan loss allowance to noncurrent loans | 101.3266% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 1.1843% | 4,769 |
| Noncurrent loans to loans | 1.3682% | 4,655 |
| Net loans and leases to total assets | 55.0613% | 5,835 |
| Net loans and leases to deposits | 61.8754% | 6,245 |
| Net loans and leases to core deposits | 65.1298% | 6,304 |
| Total domestic deposits to total assets | 88.9874% | 1,447 |
| Equity capital to assets | 10.3635% | 3,571 |
| Core capital (leverage) ratio | 9.7748% | 3,440 |
| Tier 1 risk-based capital ratio | 14.9015% | 3,206 |
| Total risk-based capital ratio | 16.1005% | 3,210 |
| Memoranda: | ||
| Average total assets | $207,142,000 | 3,076 |
| Average earning assets | $188,666,000 | 3,085 |
| Average equity | $21,239,670 | 3,009 |
| Average total loans | $111,170,330 | 3,602 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6313% | 2,022 |
| Cost of funding earning assets | 0.8548% | 6,924 |
| Net interest margin | 4.7765% | 682 |
| Noninterest income to average assets | 0.7919% | 2,063 |
| Noninterest expense to average assets | 3.4939% | 1,998 |
| Loan and lease loss provision to assets | 0.2704% | 3,864 |
| Net operating income to assets | 1.3771% | 1,128 |
| Return on assets (ROA) | 1.3771% | 1,204 |
| Pretax return on assets | 1.3771% | 1,840 |
| Return on Equity (ROE) | 13.5025% | 1,148 |
| Retained earnings to average equity (ytd only) | 2.5376% | 4,607 |
| Net charge-offs to loans | -0.6354% | 7,822 |
| Credit loss provision to net charge-offs | -80.9249% | 6,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9564% | 4,733 |
| Assets per employee ($millions) | 2.9861% | 6,240 |
| Cash dividends to net income (ytd only)* | 81.2062% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3422% | 4,723 |
| Loan loss allowance to noncurrent loans | 84.5320% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.2730% | 4,628 |
| Noncurrent loans to loans | 1.5878% | 4,358 |
| Net loans and leases to total assets | 52.8343% | 6,175 |
| Net loans and leases to deposits | 59.2350% | 6,537 |
| Net loans and leases to core deposits | 62.5532% | 6,553 |
| Total domestic deposits to total assets | 89.1945% | 1,420 |
| Equity capital to assets | 10.2556% | 3,528 |
| Core capital (leverage) ratio | 9.6685% | 3,563 |
| Tier 1 risk-based capital ratio | 15.1523% | 3,042 |
| Total risk-based capital ratio | 16.2908% | 3,058 |
| Memoranda: | ||
| Average total assets | $207,104,000 | 3,130 |
| Average earning assets | $188,589,000 | 3,139 |
| Average equity | $21,122,000 | 3,051 |
| Average total loans | $108,905,000 | 3,710 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8532% | 2,429 |
| Cost of funding earning assets | 1.1345% | 6,868 |
| Net interest margin | 4.7187% | 808 |
| Noninterest income to average assets | 0.9419% | 1,781 |
| Noninterest expense to average assets | 3.6866% | 1,939 |
| Loan and lease loss provision to assets | 0.3060% | 4,987 |
| Net operating income to assets | 1.2738% | 1,086 |
| Return on assets (ROA) | 1.2826% | 1,122 |
| Pretax return on assets | 1.2826% | 1,746 |
| Return on Equity (ROE) | 13.2809% | 901 |
| Retained earnings to average equity (ytd only) | 8.5819% | 570 |
| Net charge-offs to loans | 0.3853% | 4,278 |
| Credit loss provision to net charge-offs | 144.0092% | 3,321 |
| Earnings coverage of net charge-offs (x) | 7.4355% | 2,149 |
| Efficiency ratio | 70.0037% | 4,629 |
| Assets per employee ($millions) | 2.9738% | 6,286 |
| Cash dividends to net income (ytd only)* | 35.3817% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 5,960 |
| Loan loss allowance to noncurrent loans | 445.8015% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 5,990 |
| Noncurrent loans to loans | 0.2438% | 6,819 |
| Net loans and leases to total assets | 51.0650% | 6,520 |
| Net loans and leases to deposits | 58.6189% | 6,736 |
| Net loans and leases to core deposits | 73.3420% | 6,572 |
| Total domestic deposits to total assets | 87.1135% | 2,432 |
| Equity capital to assets | 10.1425% | 3,570 |
| Core capital (leverage) ratio | 9.4201% | 3,813 |
| Tier 1 risk-based capital ratio | 15.1936% | 2,846 |
| Total risk-based capital ratio | 16.1000% | 2,977 |
| Memoranda: | ||
| Average total assets | $204,278,600 | 3,132 |
| Average earning assets | $187,214,400 | 3,121 |
| Average equity | $19,727,600 | 3,244 |
| Average total loans | $112,625,400 | 3,635 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9507% | 2,229 |
| Cost of funding earning assets | 1.1833% | 6,935 |
| Net interest margin | 4.7674% | 726 |
| Noninterest income to average assets | 0.9398% | 1,816 |
| Noninterest expense to average assets | 3.6686% | 1,890 |
| Loan and lease loss provision to assets | 0.4099% | 3,865 |
| Net operating income to assets | 1.2421% | 1,365 |
| Return on assets (ROA) | 1.2539% | 1,400 |
| Pretax return on assets | 1.2539% | 2,096 |
| Return on Equity (ROE) | 13.1533% | 1,082 |
| Retained earnings to average equity (ytd only) | 6.7693% | 1,603 |
| Net charge-offs to loans | 0.2809% | 4,277 |
| Credit loss provision to net charge-offs | 260.4167% | 1,638 |
| Earnings coverage of net charge-offs (x) | 10.4959% | 1,958 |
| Efficiency ratio | 68.9511% | 4,796 |
| Assets per employee ($millions) | 2.9690% | 6,246 |
| Cash dividends to net income (ytd only)* | 48.5355% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 5,155 |
| Loan loss allowance to noncurrent loans | 495.2727% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 5,915 |
| Noncurrent loans to loans | 0.2410% | 6,899 |
| Net loans and leases to total assets | 54.2549% | 6,353 |
| Net loans and leases to deposits | 64.6306% | 6,437 |
| Net loans and leases to core deposits | 81.6958% | 6,214 |
| Total domestic deposits to total assets | 83.9462% | 3,747 |
| Equity capital to assets | 9.8021% | 4,350 |
| Core capital (leverage) ratio | 9.1429% | 4,426 |
| Tier 1 risk-based capital ratio | 14.2682% | 3,402 |
| Total risk-based capital ratio | 15.2982% | 3,471 |
| Memoranda: | ||
| Average total assets | $203,307,250 | 3,166 |
| Average earning assets | $186,820,250 | 3,152 |
| Average equity | $19,381,250 | 3,327 |
| Average total loans | $113,915,000 | 3,638 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9860% | 2,234 |
| Cost of funding earning assets | 1.2332% | 7,008 |
| Net interest margin | 4.7528% | 725 |
| Noninterest income to average assets | 0.9207% | 1,895 |
| Noninterest expense to average assets | 3.6611% | 1,916 |
| Loan and lease loss provision to assets | 0.5451% | 2,841 |
| Net operating income to assets | 1.0803% | 1,838 |
| Return on assets (ROA) | 1.0971% | 1,858 |
| Pretax return on assets | 1.0971% | 2,648 |
| Return on Equity (ROE) | 11.6214% | 1,529 |
| Retained earnings to average equity (ytd only) | 4.0208% | 3,050 |
| Net charge-offs to loans | 0.1318% | 4,851 |
| Credit loss provision to net charge-offs | 733.3333% | 646 |
| Earnings coverage of net charge-offs (x) | 21.8667% | 1,246 |
| Efficiency ratio | 69.2538% | 4,936 |
| Assets per employee ($millions) | 2.5813% | 7,093 |
| Cash dividends to net income (ytd only)* | 65.4020% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 4,807 |
| Loan loss allowance to noncurrent loans | 396.7213% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.6704% | 5,737 |
| Noncurrent loans to loans | 0.3078% | 6,745 |
| Net loans and leases to total assets | 57.5967% | 6,020 |
| Net loans and leases to deposits | 66.9328% | 6,298 |
| Net loans and leases to core deposits | 83.2982% | 6,137 |
| Total domestic deposits to total assets | 86.0516% | 2,762 |
| Equity capital to assets | 9.4673% | 4,652 |
| Core capital (leverage) ratio | 8.8255% | 4,902 |
| Tier 1 risk-based capital ratio | 13.6413% | 3,733 |
| Total risk-based capital ratio | 14.7255% | 3,764 |
| Memoranda: | ||
| Average total assets | $201,799,000 | 3,202 |
| Average earning assets | $185,365,330 | 3,196 |
| Average equity | $19,051,000 | 3,381 |
| Average total loans | $113,846,330 | 3,679 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9521% | 2,556 |
| Cost of funding earning assets | 1.2636% | 7,137 |
| Net interest margin | 4.6886% | 780 |
| Noninterest income to average assets | 0.8568% | 2,048 |
| Noninterest expense to average assets | 3.5649% | 1,946 |
| Loan and lease loss provision to assets | 0.5480% | 2,280 |
| Net operating income to assets | 1.0621% | 2,101 |
| Return on assets (ROA) | 1.0621% | 2,228 |
| Pretax return on assets | 1.0621% | 3,136 |
| Return on Equity (ROE) | 11.2664% | 1,893 |
| Retained earnings to average equity (ytd only) | 2.6211% | 4,426 |
| Net charge-offs to loans | -0.1509% | 7,971 |
| Credit loss provision to net charge-offs | -654.7619% | 6,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8872% | 4,796 |
| Assets per employee ($millions) | 2.9605% | 6,255 |
| Cash dividends to net income (ytd only)* | 76.7355% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 5,251 |
| Loan loss allowance to noncurrent loans | 141.7306% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.6244% | 5,621 |
| Noncurrent loans to loans | 0.7984% | 5,437 |
| Net loans and leases to total assets | 54.5538% | 6,403 |
| Net loans and leases to deposits | 61.8679% | 6,748 |
| Net loans and leases to core deposits | 76.0087% | 6,676 |
| Total domestic deposits to total assets | 88.1780% | 1,658 |
| Equity capital to assets | 9.2577% | 4,998 |
| Core capital (leverage) ratio | 8.9732% | 4,750 |
| Tier 1 risk-based capital ratio | 13.8917% | 3,648 |
| Total risk-based capital ratio | 14.8898% | 3,699 |
| Memoranda: | ||
| Average total assets | $200,737,000 | 3,232 |
| Average earning assets | $184,875,500 | 3,229 |
| Average equity | $18,923,500 | 3,427 |
| Average total loans | $111,317,000 | 3,756 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5703% | 2,622 |
| Cost of funding earning assets | 1.8621% | 6,843 |
| Net interest margin | 4.7082% | 953 |
| Noninterest income to average assets | 1.0749% | 1,364 |
| Noninterest expense to average assets | 3.7739% | 1,807 |
| Loan and lease loss provision to assets | 0.2225% | 4,661 |
| Net operating income to assets | 1.3779% | 1,284 |
| Return on assets (ROA) | 1.4340% | 1,116 |
| Pretax return on assets | 1.4340% | 1,861 |
| Return on Equity (ROE) | 15.5926% | 834 |
| Retained earnings to average equity (ytd only) | 11.6872% | 251 |
| Net charge-offs to loans | 0.4111% | 2,760 |
| Credit loss provision to net charge-offs | 95.6720% | 5,526 |
| Earnings coverage of net charge-offs (x) | 6.8815% | 3,248 |
| Efficiency ratio | 70.2218% | 4,308 |
| Assets per employee ($millions) | 2.6978% | 6,790 |
| Cash dividends to net income (ytd only)* | 25.0462% | 4,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 6,669 |
| Loan loss allowance to noncurrent loans | 71.1063% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 0.7074% | 5,111 |
| Noncurrent loans to loans | 1.2689% | 3,971 |
| Net loans and leases to total assets | 55.2455% | 6,523 |
| Net loans and leases to deposits | 63.2027% | 6,863 |
| Net loans and leases to core deposits | 77.6495% | 6,761 |
| Total domestic deposits to total assets | 87.4100% | 1,748 |
| Equity capital to assets | 9.6076% | 4,532 |
| Core capital (leverage) ratio | 9.1198% | 4,563 |
| Tier 1 risk-based capital ratio | 14.4607% | 3,318 |
| Total risk-based capital ratio | 15.2506% | 3,466 |
| Memoranda: | ||
| Average total assets | $188,768,000 | 3,285 |
| Average earning assets | $172,381,600 | 3,294 |
| Average equity | $17,360,800 | 3,674 |
| Average total loans | $106,780,000 | 3,771 |