Home > Rose Hill Bank > Performance and Condition Ratios
Rose Hill Bank, Performance and Condition Ratios
| 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 | 4.0978% | 3,453 |
| Cost of funding earning assets | 0.4943% | 3,040 |
| Net interest margin | 3.6035% | 3,295 |
| Noninterest income to average assets | 0.3933% | 3,535 |
| Noninterest expense to average assets | 2.5990% | 3,333 |
| Loan and lease loss provision to assets | 0.0379% | 3,152 |
| Net operating income to assets | 0.8581% | 3,637 |
| Return on assets (ROA) | 0.8581% | 3,630 |
| Pretax return on assets | 1.0389% | 3,543 |
| Return on Equity (ROE) | 7.4386% | 3,753 |
| Retained earnings to average equity (ytd only) | -6.6218% | 5,345 |
| Net charge-offs to loans | -0.0305% | 4,740 |
| Credit loss provision to net charge-offs | -193.5484% | 4,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0521% | 2,481 |
| Assets per employee ($millions) | 4.7452% | 2,757 |
| Cash dividends to net income (ytd only)* | 189.0199% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 4,148 |
| Loan loss allowance to noncurrent loans | 2,109.6774% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 4,818 |
| Noncurrent loans to loans | 0.0447% | 4,718 |
| Net loans and leases to total assets | 64.8466% | 3,299 |
| Net loans and leases to deposits | 74.6893% | 3,468 |
| Net loans and leases to core deposits | 81.5626% | 3,284 |
| Total domestic deposits to total assets | 86.8218% | 1,923 |
| Equity capital to assets | 11.0837% | 2,558 |
| Core capital (leverage) ratio | 9.4534% | 4,174 |
| Tier 1 risk-based capital ratio | 11.7437% | 4,660 |
| Total risk-based capital ratio | 12.5352% | 4,801 |
| Memoranda: | ||
| Average total assets | $316,281,330 | 2,088 |
| Average earning assets | $288,108,670 | 2,110 |
| Average equity | $36,485,330 | 2,013 |
| Average total loans | $203,025,670 | 2,159 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 3,558 |
| Cost of funding earning assets | 0.4895% | 2,874 |
| Net interest margin | 3.5239% | 3,445 |
| Noninterest income to average assets | 0.3766% | 3,615 |
| Noninterest expense to average assets | 2.5677% | 3,431 |
| Loan and lease loss provision to assets | 0.0507% | 2,761 |
| Net operating income to assets | 0.7773% | 3,805 |
| Return on assets (ROA) | 0.7773% | 3,803 |
| Pretax return on assets | 0.9624% | 3,658 |
| Return on Equity (ROE) | 6.6076% | 3,943 |
| Retained earnings to average equity (ytd only) | 4.1284% | 3,550 |
| Net charge-offs to loans | -0.0439% | 4,908 |
| Credit loss provision to net charge-offs | -181.8182% | 3,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0071% | 2,480 |
| Assets per employee ($millions) | 4.9551% | 2,537 |
| Cash dividends to net income (ytd only)* | 37.5204% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 4,166 |
| Loan loss allowance to noncurrent loans | 1,725.8929% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 4,857 |
| Noncurrent loans to loans | 0.0557% | 4,726 |
| Net loans and leases to total assets | 63.7914% | 3,338 |
| Net loans and leases to deposits | 73.6845% | 3,444 |
| Net loans and leases to core deposits | 81.4431% | 3,194 |
| Total domestic deposits to total assets | 86.5737% | 2,278 |
| Equity capital to assets | 11.8697% | 1,867 |
| Core capital (leverage) ratio | 10.0866% | 3,440 |
| Tier 1 risk-based capital ratio | 12.9961% | 3,947 |
| Total risk-based capital ratio | 13.8162% | 4,103 |
| Memoranda: | ||
| Average total assets | $315,458,500 | 2,104 |
| Average earning assets | $286,838,000 | 2,140 |
| Average equity | $37,109,000 | 1,992 |
| Average total loans | $200,475,000 | 2,194 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8870% | 3,770 |
| Cost of funding earning assets | 0.4391% | 2,884 |
| Net interest margin | 3.4479% | 3,691 |
| Noninterest income to average assets | 0.5121% | 2,924 |
| Noninterest expense to average assets | 2.5144% | 3,733 |
| Loan and lease loss provision to assets | 0.0219% | 3,863 |
| Net operating income to assets | 0.7972% | 3,170 |
| Return on assets (ROA) | 0.7974% | 3,211 |
| Pretax return on assets | 1.1256% | 3,082 |
| Return on Equity (ROE) | 7.2196% | 3,166 |
| Retained earnings to average equity (ytd only) | 4.9250% | 2,174 |
| Net charge-offs to loans | -0.0146% | 4,874 |
| Credit loss provision to net charge-offs | -248.2759% | 4,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0761% | 3,065 |
| Assets per employee ($millions) | 4.6874% | 2,884 |
| Cash dividends to net income (ytd only)* | 31.7835% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 4,288 |
| Loan loss allowance to noncurrent loans | 1,508.8710% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 4,513 |
| Noncurrent loans to loans | 0.0620% | 4,713 |
| Net loans and leases to total assets | 62.1208% | 3,602 |
| Net loans and leases to deposits | 78.7182% | 3,038 |
| Net loans and leases to core deposits | 83.3858% | 3,118 |
| Total domestic deposits to total assets | 78.9154% | 4,562 |
| Equity capital to assets | 11.6595% | 2,070 |
| Core capital (leverage) ratio | 9.8870% | 3,598 |
| Tier 1 risk-based capital ratio | 13.1795% | 3,804 |
| Total risk-based capital ratio | 13.9778% | 3,974 |
| Memoranda: | ||
| Average total assets | $329,059,000 | 2,013 |
| Average earning assets | $300,591,600 | 2,039 |
| Average equity | $36,345,400 | 2,007 |
| Average total loans | $198,468,400 | 2,167 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8388% | 3,873 |
| Cost of funding earning assets | 0.4318% | 2,876 |
| Net interest margin | 3.4069% | 3,824 |
| Noninterest income to average assets | 0.5214% | 2,889 |
| Noninterest expense to average assets | 2.4922% | 3,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8150% | 3,464 |
| Return on assets (ROA) | 0.8121% | 3,523 |
| Pretax return on assets | 1.1462% | 3,128 |
| Return on Equity (ROE) | 7.4522% | 3,412 |
| Retained earnings to average equity (ytd only) | 5.1353% | 2,786 |
| Net charge-offs to loans | -0.0283% | 4,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8322% | 3,075 |
| Assets per employee ($millions) | 5.4697% | 1,953 |
| Cash dividends to net income (ytd only)* | 31.0890% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 4,590 |
| Loan loss allowance to noncurrent loans | 943.7500% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 4,544 |
| Noncurrent loans to loans | 0.0948% | 4,687 |
| Net loans and leases to total assets | 62.1656% | 3,633 |
| Net loans and leases to deposits | 76.8106% | 3,293 |
| Net loans and leases to core deposits | 79.8781% | 3,462 |
| Total domestic deposits to total assets | 80.9336% | 4,063 |
| Equity capital to assets | 11.5111% | 2,360 |
| Core capital (leverage) ratio | 9.3738% | 4,321 |
| Tier 1 risk-based capital ratio | 12.9233% | 4,063 |
| Total risk-based capital ratio | 13.6923% | 4,262 |
| Memoranda: | ||
| Average total assets | $331,637,500 | 2,010 |
| Average earning assets | $303,805,500 | 2,040 |
| Average equity | $36,140,750 | 2,025 |
| Average total loans | $198,116,000 | 2,179 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7087% | 4,202 |
| Cost of funding earning assets | 0.4175% | 2,912 |
| Net interest margin | 3.2912% | 4,137 |
| Noninterest income to average assets | 0.5451% | 2,744 |
| Noninterest expense to average assets | 2.5205% | 3,688 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7540% | 3,619 |
| Return on assets (ROA) | 0.7549% | 3,668 |
| Pretax return on assets | 1.0460% | 3,384 |
| Return on Equity (ROE) | 7.0549% | 3,528 |
| Retained earnings to average equity (ytd only) | 4.5301% | 3,015 |
| Net charge-offs to loans | -0.0325% | 4,995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0863% | 2,831 |
| Assets per employee ($millions) | 5.0902% | 2,287 |
| Cash dividends to net income (ytd only)* | 35.7878% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9151% | 4,577 |
| Loan loss allowance to noncurrent loans | 1,441.6000% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 4,680 |
| Noncurrent loans to loans | 0.0635% | 4,872 |
| Net loans and leases to total assets | 58.0807% | 4,022 |
| Net loans and leases to deposits | 71.6186% | 3,778 |
| Net loans and leases to core deposits | 74.8480% | 3,870 |
| Total domestic deposits to total assets | 81.0972% | 4,161 |
| Equity capital to assets | 10.8933% | 2,934 |
| Core capital (leverage) ratio | 8.9441% | 4,782 |
| Tier 1 risk-based capital ratio | 12.6601% | 4,205 |
| Total risk-based capital ratio | 13.4218% | 4,395 |
| Memoranda: | ||
| Average total assets | $334,612,000 | 2,005 |
| Average earning assets | $307,065,670 | 2,017 |
| Average equity | $35,805,000 | 2,035 |
| Average total loans | $196,678,330 | 2,198 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6243% | 4,352 |
| Cost of funding earning assets | 0.3914% | 3,089 |
| Net interest margin | 3.2329% | 4,233 |
| Noninterest income to average assets | 0.3677% | 3,906 |
| Noninterest expense to average assets | 2.5549% | 3,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5989% | 4,167 |
| Return on assets (ROA) | 0.5869% | 4,255 |
| Pretax return on assets | 0.7654% | 4,230 |
| Return on Equity (ROE) | 5.5352% | 4,127 |
| Retained earnings to average equity (ytd only) | 1.9204% | 4,358 |
| Net charge-offs to loans | -0.0448% | 5,132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8654% | 2,089 |
| Assets per employee ($millions) | 5.1186% | 2,282 |
| Cash dividends to net income (ytd only)* | 65.3061% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 4,786 |
| Loan loss allowance to noncurrent loans | 1,866.6667% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 4,720 |
| Noncurrent loans to loans | 0.0478% | 4,998 |
| Net loans and leases to total assets | 58.0713% | 3,967 |
| Net loans and leases to deposits | 73.1043% | 3,495 |
| Net loans and leases to core deposits | 76.0168% | 3,649 |
| Total domestic deposits to total assets | 79.4363% | 4,731 |
| Equity capital to assets | 10.3957% | 3,295 |
| Core capital (leverage) ratio | 9.1234% | 4,579 |
| Tier 1 risk-based capital ratio | 12.1732% | 4,603 |
| Total risk-based capital ratio | 12.9106% | 4,832 |
| Memoranda: | ||
| Average total assets | $333,943,000 | 2,024 |
| Average earning assets | $306,596,000 | 2,038 |
| Average equity | $35,409,500 | 2,063 |
| Average total loans | $196,555,500 | 2,214 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7147% | 4,169 |
| Cost of funding earning assets | 0.3807% | 3,197 |
| Net interest margin | 3.3339% | 4,044 |
| Noninterest income to average assets | 0.3906% | 3,959 |
| Noninterest expense to average assets | 2.7482% | 3,198 |
| Loan and lease loss provision to assets | 0.2092% | 1,084 |
| Net operating income to assets | 0.3991% | 4,943 |
| Return on assets (ROA) | 0.3945% | 5,040 |
| Pretax return on assets | 0.4845% | 5,056 |
| Return on Equity (ROE) | 3.7185% | 4,926 |
| Retained earnings to average equity (ytd only) | 1.8170% | 4,492 |
| Net charge-offs to loans | 0.4051% | 657 |
| Credit loss provision to net charge-offs | 85.7843% | 2,875 |
| Earnings coverage of net charge-offs (x) | 2.8676% | 3,758 |
| Efficiency ratio | 78.0494% | 1,689 |
| Assets per employee ($millions) | 4.3325% | 3,391 |
| Cash dividends to net income (ytd only)* | 51.1364% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 4,692 |
| Loan loss allowance to noncurrent loans | 274.8447% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 4,097 |
| Noncurrent loans to loans | 0.3351% | 3,939 |
| Net loans and leases to total assets | 58.5941% | 4,010 |
| Net loans and leases to deposits | 69.4937% | 3,959 |
| Net loans and leases to core deposits | 72.1351% | 4,077 |
| Total domestic deposits to total assets | 84.3157% | 3,313 |
| Equity capital to assets | 10.8227% | 2,792 |
| Core capital (leverage) ratio | 9.2872% | 4,368 |
| Tier 1 risk-based capital ratio | 12.5893% | 4,332 |
| Total risk-based capital ratio | 13.3478% | 4,540 |
| Memoranda: | ||
| Average total assets | $334,583,800 | 1,978 |
| Average earning assets | $306,783,400 | 2,001 |
| Average equity | $35,498,400 | 2,051 |
| Average total loans | $201,428,200 | 2,116 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7447% | 4,101 |
| Cost of funding earning assets | 0.3805% | 3,226 |
| Net interest margin | 3.3642% | 3,974 |
| Noninterest income to average assets | 0.3707% | 4,123 |
| Noninterest expense to average assets | 2.7398% | 3,221 |
| Loan and lease loss provision to assets | 0.0890% | 2,444 |
| Net operating income to assets | 0.4882% | 4,736 |
| Return on assets (ROA) | 0.4823% | 4,849 |
| Pretax return on assets | 0.6200% | 4,823 |
| Return on Equity (ROE) | 4.5678% | 4,691 |
| Retained earnings to average equity (ytd only) | 2.5443% | 4,395 |
| Net charge-offs to loans | 0.3337% | 689 |
| Credit loss provision to net charge-offs | 44.1176% | 3,108 |
| Earnings coverage of net charge-offs (x) | 3.5510% | 3,399 |
| Efficiency ratio | 77.6213% | 1,746 |
| Assets per employee ($millions) | 4.0325% | 3,910 |
| Cash dividends to net income (ytd only)* | 44.2986% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8541% | 5,023 |
| Loan loss allowance to noncurrent loans | 156.6536% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 3,386 |
| Noncurrent loans to loans | 0.5452% | 3,362 |
| Net loans and leases to total assets | 59.0900% | 3,986 |
| Net loans and leases to deposits | 67.2272% | 4,225 |
| Net loans and leases to core deposits | 69.9292% | 4,330 |
| Total domestic deposits to total assets | 87.8960% | 1,450 |
| Equity capital to assets | 11.5413% | 2,478 |
| Core capital (leverage) ratio | 9.1971% | 4,595 |
| Tier 1 risk-based capital ratio | 12.9171% | 4,215 |
| Total risk-based capital ratio | 13.6219% | 4,459 |
| Memoranda: | ||
| Average total assets | $336,995,500 | 1,969 |
| Average earning assets | $309,088,000 | 1,984 |
| Average equity | $35,581,250 | 2,057 |
| Average total loans | $203,744,250 | 2,098 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6846% | 4,340 |
| Cost of funding earning assets | 0.3819% | 3,237 |
| Net interest margin | 3.3027% | 4,222 |
| Noninterest income to average assets | 0.3513% | 4,267 |
| Noninterest expense to average assets | 2.7038% | 3,386 |
| Loan and lease loss provision to assets | 0.0871% | 2,403 |
| Net operating income to assets | 0.4674% | 4,812 |
| Return on assets (ROA) | 0.4587% | 4,928 |
| Pretax return on assets | 0.5817% | 4,934 |
| Return on Equity (ROE) | 4.4707% | 4,724 |
| Retained earnings to average equity (ytd only) | 2.4334% | 4,336 |
| Net charge-offs to loans | 0.4523% | 498 |
| Credit loss provision to net charge-offs | 31.7125% | 2,843 |
| Earnings coverage of net charge-offs (x) | 2.4757% | 3,266 |
| Efficiency ratio | 78.2601% | 1,746 |
| Assets per employee ($millions) | 4.2878% | 3,392 |
| Cash dividends to net income (ytd only)* | 45.5696% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7572% | 5,381 |
| Loan loss allowance to noncurrent loans | 71.9282% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.2663% | 1,611 |
| Noncurrent loans to loans | 1.0528% | 2,181 |
| Net loans and leases to total assets | 61.2493% | 3,717 |
| Net loans and leases to deposits | 73.7592% | 3,618 |
| Net loans and leases to core deposits | 77.0890% | 3,728 |
| Total domestic deposits to total assets | 83.0395% | 3,638 |
| Equity capital to assets | 10.7526% | 3,342 |
| Core capital (leverage) ratio | 8.6644% | 5,202 |
| Tier 1 risk-based capital ratio | 11.6809% | 5,039 |
| Total risk-based capital ratio | 12.3099% | 5,310 |
| Memoranda: | ||
| Average total assets | $344,483,330 | 1,936 |
| Average earning assets | $316,291,330 | 1,955 |
| Average equity | $35,341,330 | 2,073 |
| Average total loans | $209,173,000 | 2,062 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6800% | 4,386 |
| Cost of funding earning assets | 0.3776% | 3,324 |
| Net interest margin | 3.3024% | 4,210 |
| Noninterest income to average assets | 0.3571% | 4,172 |
| Noninterest expense to average assets | 2.7353% | 3,293 |
| Loan and lease loss provision to assets | 0.0858% | 2,249 |
| Net operating income to assets | 0.4685% | 4,743 |
| Return on assets (ROA) | 0.4509% | 4,911 |
| Pretax return on assets | 0.5574% | 4,936 |
| Return on Equity (ROE) | 4.4989% | 4,709 |
| Retained earnings to average equity (ytd only) | 1.9297% | 4,484 |
| Net charge-offs to loans | 0.0247% | 2,438 |
| Credit loss provision to net charge-offs | 576.9231% | 542 |
| Earnings coverage of net charge-offs (x) | 44.6923% | 947 |
| Efficiency ratio | 78.8287% | 1,780 |
| Assets per employee ($millions) | 4.3466% | 3,333 |
| Cash dividends to net income (ytd only)* | 57.1066% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 4,980 |
| Loan loss allowance to noncurrent loans | 44.4749% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 1.3703% | 1,542 |
| Noncurrent loans to loans | 2.0741% | 1,020 |
| Net loans and leases to total assets | 60.1694% | 3,749 |
| Net loans and leases to deposits | 74.1551% | 3,419 |
| Net loans and leases to core deposits | 79.7231% | 3,343 |
| Total domestic deposits to total assets | 81.1400% | 4,452 |
| Equity capital to assets | 10.1725% | 3,874 |
| Core capital (leverage) ratio | 8.4525% | 5,437 |
| Tier 1 risk-based capital ratio | 11.2978% | 5,344 |
| Total risk-based capital ratio | 12.0649% | 5,505 |
| Memoranda: | ||
| Average total assets | $349,501,000 | 1,916 |
| Average earning assets | $322,068,000 | 1,924 |
| Average equity | $35,031,000 | 2,082 |
| Average total loans | $210,554,500 | 2,047 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9831% | 3,368 |
| Cost of funding earning assets | 0.3394% | 3,798 |
| Net interest margin | 3.6436% | 2,967 |
| Noninterest income to average assets | 0.3314% | 4,528 |
| Noninterest expense to average assets | 2.8262% | 3,125 |
| Loan and lease loss provision to assets | 0.1074% | 2,200 |
| Net operating income to assets | 0.5828% | 4,368 |
| Return on assets (ROA) | 0.5974% | 4,386 |
| Pretax return on assets | 0.8079% | 4,164 |
| Return on Equity (ROE) | 5.4450% | 4,310 |
| Retained earnings to average equity (ytd only) | 1.5656% | 4,828 |
| Net charge-offs to loans | 0.2013% | 1,450 |
| Credit loss provision to net charge-offs | 81.3648% | 2,924 |
| Earnings coverage of net charge-offs (x) | 6.7874% | 3,172 |
| Efficiency ratio | 74.4859% | 2,502 |
| Assets per employee ($millions) | 4.3909% | 3,232 |
| Cash dividends to net income (ytd only)* | 71.2464% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 5,088 |
| Loan loss allowance to noncurrent loans | 82.3221% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 0.7456% | 2,821 |
| Noncurrent loans to loans | 1.0913% | 2,155 |
| Net loans and leases to total assets | 59.2270% | 3,938 |
| Net loans and leases to deposits | 70.6519% | 3,846 |
| Net loans and leases to core deposits | 78.8117% | 3,464 |
| Total domestic deposits to total assets | 83.8293% | 3,553 |
| Equity capital to assets | 9.8753% | 4,107 |
| Core capital (leverage) ratio | 8.3816% | 5,542 |
| Tier 1 risk-based capital ratio | 11.5466% | 5,214 |
| Total risk-based capital ratio | 12.3028% | 5,395 |
| Memoranda: | ||
| Average total assets | $288,765,400 | 2,218 |
| Average earning assets | $268,688,200 | 2,211 |
| Average equity | $31,680,400 | 2,216 |
| Average total loans | $189,291,000 | 2,161 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0426% | 3,159 |
| Cost of funding earning assets | 0.3244% | 4,055 |
| Net interest margin | 3.7182% | 2,680 |
| Noninterest income to average assets | 0.3090% | 4,728 |
| Noninterest expense to average assets | 2.7975% | 3,198 |
| Loan and lease loss provision to assets | 0.1098% | 2,045 |
| Net operating income to assets | 0.6353% | 4,214 |
| Return on assets (ROA) | 0.6556% | 4,214 |
| Pretax return on assets | 0.8987% | 3,987 |
| Return on Equity (ROE) | 5.7896% | 4,253 |
| Retained earnings to average equity (ytd only) | 0.4915% | 5,482 |
| Net charge-offs to loans | 0.0210% | 3,516 |
| Credit loss provision to net charge-offs | 775.8621% | 449 |
| Earnings coverage of net charge-offs (x) | 69.2682% | 822 |
| Efficiency ratio | 72.6486% | 2,771 |
| Assets per employee ($millions) | 4.2670% | 3,390 |
| Cash dividends to net income (ytd only)* | 91.5119% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 4,269 |
| Loan loss allowance to noncurrent loans | 115.5663% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 3,511 |
| Noncurrent loans to loans | 0.9456% | 2,610 |
| Net loans and leases to total assets | 59.3090% | 3,964 |
| Net loans and leases to deposits | 68.4080% | 4,148 |
| Net loans and leases to core deposits | 75.8902% | 3,816 |
| Total domestic deposits to total assets | 86.6990% | 2,188 |
| Equity capital to assets | 10.5326% | 3,574 |
| Core capital (leverage) ratio | 9.7439% | 3,973 |
| Tier 1 risk-based capital ratio | 12.3889% | 4,833 |
| Total risk-based capital ratio | 13.3328% | 4,943 |
| Memoranda: | ||
| Average total assets | $273,138,750 | 2,330 |
| Average earning assets | $254,849,250 | 2,315 |
| Average equity | $30,928,250 | 2,272 |
| Average total loans | $184,130,250 | 2,217 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2225% | 2,465 |
| Cost of funding earning assets | 0.3297% | 4,054 |
| Net interest margin | 3.8928% | 2,004 |
| Noninterest income to average assets | 0.2819% | 4,938 |
| Noninterest expense to average assets | 2.8720% | 2,989 |
| Loan and lease loss provision to assets | 0.1178% | 1,882 |
| Net operating income to assets | 0.6511% | 4,117 |
| Return on assets (ROA) | 0.6825% | 4,086 |
| Pretax return on assets | 0.9715% | 3,690 |
| Return on Equity (ROE) | 5.8514% | 4,204 |
| Retained earnings to average equity (ytd only) | -1.7574% | 5,803 |
| Net charge-offs to loans | 0.0423% | 2,850 |
| Credit loss provision to net charge-offs | 394.7368% | 754 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,232 |
| Efficiency ratio | 71.9872% | 2,999 |
| Assets per employee ($millions) | 4.0266% | 3,833 |
| Cash dividends to net income (ytd only)* | 130.0345% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 4,241 |
| Loan loss allowance to noncurrent loans | 103.8114% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 2,935 |
| Noncurrent loans to loans | 1.0749% | 2,494 |
| Net loans and leases to total assets | 72.3085% | 1,930 |
| Net loans and leases to deposits | 85.1673% | 2,153 |
| Net loans and leases to core deposits | 99.0758% | 1,564 |
| Total domestic deposits to total assets | 84.9017% | 3,160 |
| Equity capital to assets | 11.6845% | 2,264 |
| Core capital (leverage) ratio | 10.2891% | 3,227 |
| Tier 1 risk-based capital ratio | 12.3675% | 4,898 |
| Total risk-based capital ratio | 13.3558% | 4,969 |
| Memoranda: | ||
| Average total assets | $254,664,330 | 2,502 |
| Average earning assets | $237,772,330 | 2,478 |
| Average equity | $29,702,330 | 2,360 |
| Average total loans | $179,833,670 | 2,262 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2049% | 2,438 |
| Cost of funding earning assets | 0.3268% | 4,140 |
| Net interest margin | 3.8781% | 1,972 |
| Noninterest income to average assets | 0.2743% | 4,981 |
| Noninterest expense to average assets | 2.7904% | 3,284 |
| Loan and lease loss provision to assets | 0.1176% | 1,756 |
| Net operating income to assets | 0.7146% | 3,729 |
| Return on assets (ROA) | 0.7352% | 3,748 |
| Pretax return on assets | 1.0033% | 3,487 |
| Return on Equity (ROE) | 6.3095% | 3,873 |
| Retained earnings to average equity (ytd only) | -6.8207% | 6,029 |
| Net charge-offs to loans | -0.0520% | 5,540 |
| Credit loss provision to net charge-offs | -326.0870% | 4,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5289% | 3,389 |
| Assets per employee ($millions) | 3.8861% | 4,191 |
| Cash dividends to net income (ytd only)* | 208.1023% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 4,269 |
| Loan loss allowance to noncurrent loans | 102.7500% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.8282% | 3,022 |
| Noncurrent loans to loans | 1.1171% | 2,541 |
| Net loans and leases to total assets | 70.0640% | 2,136 |
| Net loans and leases to deposits | 91.3757% | 1,248 |
| Net loans and leases to core deposits | 95.0132% | 1,692 |
| Total domestic deposits to total assets | 76.6769% | 5,667 |
| Equity capital to assets | 11.7158% | 2,277 |
| Core capital (leverage) ratio | 10.4281% | 3,064 |
| Tier 1 risk-based capital ratio | 12.0328% | 5,212 |
| Total risk-based capital ratio | 12.9969% | 5,312 |
| Memoranda: | ||
| Average total assets | $255,158,000 | 2,509 |
| Average earning assets | $237,438,500 | 2,495 |
| Average equity | $29,733,000 | 2,371 |
| Average total loans | $177,000,500 | 2,295 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3020% | 2,602 |
| Cost of funding earning assets | 0.3752% | 3,972 |
| Net interest margin | 3.9268% | 2,130 |
| Noninterest income to average assets | 0.3261% | 4,787 |
| Noninterest expense to average assets | 2.7685% | 3,598 |
| Loan and lease loss provision to assets | 0.5787% | 246 |
| Net operating income to assets | 0.4957% | 4,830 |
| Return on assets (ROA) | 0.5556% | 4,668 |
| Pretax return on assets | 0.7147% | 4,568 |
| Return on Equity (ROE) | 4.7170% | 4,794 |
| Retained earnings to average equity (ytd only) | 0.9421% | 5,358 |
| Net charge-offs to loans | 0.3572% | 1,221 |
| Credit loss provision to net charge-offs | 247.0289% | 1,031 |
| Earnings coverage of net charge-offs (x) | 5.1935% | 3,483 |
| Efficiency ratio | 68.1337% | 3,878 |
| Assets per employee ($millions) | 4.0268% | 3,893 |
| Cash dividends to net income (ytd only)* | 80.0286% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 4,451 |
| Loan loss allowance to noncurrent loans | 368.5499% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2526% | 5,016 |
| Noncurrent loans to loans | 0.3035% | 4,761 |
| Net loans and leases to total assets | 67.1310% | 2,707 |
| Net loans and leases to deposits | 88.6925% | 1,651 |
| Net loans and leases to core deposits | 91.6540% | 2,130 |
| Total domestic deposits to total assets | 75.6896% | 5,789 |
| Equity capital to assets | 11.5910% | 2,356 |
| Core capital (leverage) ratio | 10.2126% | 3,294 |
| Tier 1 risk-based capital ratio | 13.5541% | 4,381 |
| Total risk-based capital ratio | 14.5915% | 4,444 |
| Memoranda: | ||
| Average total assets | $251,438,800 | 2,511 |
| Average earning assets | $234,285,800 | 2,475 |
| Average equity | $29,616,000 | 2,293 |
| Average total loans | $164,872,600 | 2,377 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2922% | 2,667 |
| Cost of funding earning assets | 0.3843% | 3,967 |
| Net interest margin | 3.9080% | 2,202 |
| Noninterest income to average assets | 0.3548% | 4,601 |
| Noninterest expense to average assets | 2.7598% | 3,607 |
| Loan and lease loss provision to assets | 0.4162% | 399 |
| Net operating income to assets | 0.6122% | 4,387 |
| Return on assets (ROA) | 0.6894% | 4,087 |
| Pretax return on assets | 0.9231% | 3,894 |
| Return on Equity (ROE) | 5.8291% | 4,321 |
| Retained earnings to average equity (ytd only) | 3.6951% | 4,009 |
| Net charge-offs to loans | 0.4969% | 780 |
| Credit loss provision to net charge-offs | 128.9256% | 1,789 |
| Earnings coverage of net charge-offs (x) | 3.8297% | 3,583 |
| Efficiency ratio | 67.7260% | 3,906 |
| Assets per employee ($millions) | 3.9692% | 3,951 |
| Cash dividends to net income (ytd only)* | 36.6099% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7546% | 5,984 |
| Loan loss allowance to noncurrent loans | 195.3704% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 4,672 |
| Noncurrent loans to loans | 0.3862% | 4,756 |
| Net loans and leases to total assets | 66.5855% | 2,758 |
| Net loans and leases to deposits | 83.0443% | 2,284 |
| Net loans and leases to core deposits | 85.7242% | 2,692 |
| Total domestic deposits to total assets | 80.1807% | 5,057 |
| Equity capital to assets | 12.0316% | 2,031 |
| Core capital (leverage) ratio | 10.5832% | 2,946 |
| Tier 1 risk-based capital ratio | 14.4443% | 3,918 |
| Total risk-based capital ratio | 15.1454% | 4,233 |
| Memoranda: | ||
| Average total assets | $249,869,250 | 2,541 |
| Average earning assets | $232,818,500 | 2,507 |
| Average equity | $29,552,000 | 2,307 |
| Average total loans | $162,349,500 | 2,419 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2316% | 2,839 |
| Cost of funding earning assets | 0.3940% | 3,932 |
| Net interest margin | 3.8376% | 2,426 |
| Noninterest income to average assets | 0.3891% | 4,323 |
| Noninterest expense to average assets | 2.7309% | 3,755 |
| Loan and lease loss provision to assets | 0.4323% | 380 |
| Net operating income to assets | 0.6100% | 4,311 |
| Return on assets (ROA) | 0.6125% | 4,391 |
| Pretax return on assets | 0.8006% | 4,262 |
| Return on Equity (ROE) | 5.2087% | 4,579 |
| Retained earnings to average equity (ytd only) | 3.1593% | 4,192 |
| Net charge-offs to loans | 0.6902% | 556 |
| Credit loss provision to net charge-offs | 97.4729% | 2,053 |
| Earnings coverage of net charge-offs (x) | 2.7726% | 3,470 |
| Efficiency ratio | 67.5965% | 4,087 |
| Assets per employee ($millions) | 4.0101% | 3,819 |
| Cash dividends to net income (ytd only)* | 39.3464% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6551% | 6,241 |
| Loan loss allowance to noncurrent loans | 130.5085% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 4,597 |
| Noncurrent loans to loans | 0.5019% | 4,488 |
| Net loans and leases to total assets | 64.7102% | 2,960 |
| Net loans and leases to deposits | 81.6390% | 2,293 |
| Net loans and leases to core deposits | 84.2895% | 2,708 |
| Total domestic deposits to total assets | 79.2639% | 5,401 |
| Equity capital to assets | 11.8486% | 2,106 |
| Core capital (leverage) ratio | 10.4983% | 2,952 |
| Tier 1 risk-based capital ratio | 14.6822% | 3,818 |
| Total risk-based capital ratio | 15.2981% | 4,157 |
| Memoranda: | ||
| Average total assets | $249,806,000 | 2,544 |
| Average earning assets | $232,488,330 | 2,524 |
| Average equity | $29,374,000 | 2,305 |
| Average total loans | $160,543,000 | 2,441 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 2,672 |
| Cost of funding earning assets | 0.4082% | 3,869 |
| Net interest margin | 3.8499% | 2,269 |
| Noninterest income to average assets | 0.4445% | 3,830 |
| Noninterest expense to average assets | 2.7328% | 3,823 |
| Loan and lease loss provision to assets | 0.1932% | 1,223 |
| Net operating income to assets | 0.7989% | 3,161 |
| Return on assets (ROA) | 0.8036% | 3,216 |
| Pretax return on assets | 1.1095% | 2,861 |
| Return on Equity (ROE) | 6.8605% | 3,551 |
| Retained earnings to average equity (ytd only) | 5.0870% | 3,071 |
| Net charge-offs to loans | 0.1716% | 1,691 |
| Credit loss provision to net charge-offs | 176.4706% | 1,133 |
| Earnings coverage of net charge-offs (x) | 11.8382% | 1,755 |
| Efficiency ratio | 66.5068% | 4,447 |
| Assets per employee ($millions) | 3.9777% | 3,989 |
| Cash dividends to net income (ytd only)* | 25.8517% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 6,240 |
| Loan loss allowance to noncurrent loans | 124.6456% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.4878% | 4,676 |
| Noncurrent loans to loans | 0.5830% | 4,414 |
| Net loans and leases to total assets | 63.3195% | 3,011 |
| Net loans and leases to deposits | 76.9655% | 2,683 |
| Net loans and leases to core deposits | 79.6840% | 3,011 |
| Total domestic deposits to total assets | 82.2700% | 4,868 |
| Equity capital to assets | 11.9944% | 1,869 |
| Core capital (leverage) ratio | 10.6534% | 2,759 |
| Tier 1 risk-based capital ratio | 15.3227% | 3,542 |
| Total risk-based capital ratio | 16.0060% | 3,795 |
| Memoranda: | ||
| Average total assets | $248,390,500 | 2,572 |
| Average earning assets | $231,277,500 | 2,541 |
| Average equity | $29,094,000 | 2,317 |
| Average total loans | $158,534,500 | 2,479 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5026% | 2,191 |
| Cost of funding earning assets | 0.4480% | 4,137 |
| Net interest margin | 4.0546% | 1,784 |
| Noninterest income to average assets | 0.3574% | 4,743 |
| Noninterest expense to average assets | 2.7384% | 3,956 |
| Loan and lease loss provision to assets | 0.2465% | 1,466 |
| Net operating income to assets | 0.8117% | 3,233 |
| Return on assets (ROA) | 0.8148% | 3,313 |
| Pretax return on assets | 1.1452% | 2,787 |
| Return on Equity (ROE) | 7.2743% | 3,419 |
| Retained earnings to average equity (ytd only) | 4.7635% | 2,757 |
| Net charge-offs to loans | 0.1148% | 3,665 |
| Credit loss provision to net charge-offs | 358.5227% | 635 |
| Earnings coverage of net charge-offs (x) | 20.1818% | 1,562 |
| Efficiency ratio | 65.1046% | 4,712 |
| Assets per employee ($millions) | 3.9709% | 3,921 |
| Cash dividends to net income (ytd only)* | 34.5158% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6829% | 6,365 |
| Loan loss allowance to noncurrent loans | 97.4107% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 4,611 |
| Noncurrent loans to loans | 0.7010% | 4,226 |
| Net loans and leases to total assets | 63.4297% | 3,139 |
| Net loans and leases to deposits | 79.2136% | 2,561 |
| Net loans and leases to core deposits | 82.1345% | 2,881 |
| Total domestic deposits to total assets | 80.0744% | 5,429 |
| Equity capital to assets | 11.4357% | 2,219 |
| Core capital (leverage) ratio | 10.2641% | 3,200 |
| Tier 1 risk-based capital ratio | 14.8271% | 3,764 |
| Total risk-based capital ratio | 15.4679% | 4,087 |
| Memoranda: | ||
| Average total assets | $256,021,400 | 2,473 |
| Average earning assets | $237,950,200 | 2,439 |
| Average equity | $28,676,400 | 2,329 |
| Average total loans | $153,327,200 | 2,515 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4491% | 2,424 |
| Cost of funding earning assets | 0.4520% | 4,254 |
| Net interest margin | 3.9971% | 1,957 |
| Noninterest income to average assets | 0.3433% | 4,945 |
| Noninterest expense to average assets | 2.6424% | 4,237 |
| Loan and lease loss provision to assets | 0.2139% | 1,703 |
| Net operating income to assets | 0.8448% | 3,126 |
| Return on assets (ROA) | 0.8477% | 3,227 |
| Pretax return on assets | 1.2044% | 2,672 |
| Return on Equity (ROE) | 7.6066% | 3,321 |
| Retained earnings to average equity (ytd only) | 5.9106% | 2,473 |
| Net charge-offs to loans | 0.0659% | 3,977 |
| Credit loss provision to net charge-offs | 550.6667% | 512 |
| Earnings coverage of net charge-offs (x) | 36.4124% | 1,074 |
| Efficiency ratio | 63.8626% | 4,821 |
| Assets per employee ($millions) | 3.8371% | 4,151 |
| Cash dividends to net income (ytd only)* | 22.2967% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6291% | 6,526 |
| Loan loss allowance to noncurrent loans | 104.6187% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.7690% | 4,183 |
| Noncurrent loans to loans | 0.6014% | 4,692 |
| Net loans and leases to total assets | 61.6832% | 3,424 |
| Net loans and leases to deposits | 74.6536% | 3,133 |
| Net loans and leases to core deposits | 77.6594% | 3,399 |
| Total domestic deposits to total assets | 82.6258% | 4,712 |
| Equity capital to assets | 11.3636% | 2,417 |
| Core capital (leverage) ratio | 10.1774% | 3,430 |
| Tier 1 risk-based capital ratio | 15.4781% | 3,482 |
| Total risk-based capital ratio | 16.0783% | 3,817 |
| Memoranda: | ||
| Average total assets | $257,485,500 | 2,474 |
| Average earning assets | $239,202,000 | 2,446 |
| Average equity | $28,693,500 | 2,351 |
| Average total loans | $151,716,500 | 2,548 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4144% | 2,510 |
| Cost of funding earning assets | 0.4573% | 4,346 |
| Net interest margin | 3.9571% | 2,018 |
| Noninterest income to average assets | 0.3206% | 5,143 |
| Noninterest expense to average assets | 2.5782% | 4,464 |
| Loan and lease loss provision to assets | 0.2191% | 1,735 |
| Net operating income to assets | 0.8321% | 3,137 |
| Return on assets (ROA) | 0.8364% | 3,270 |
| Pretax return on assets | 1.2076% | 2,641 |
| Return on Equity (ROE) | 7.5528% | 3,323 |
| Retained earnings to average equity (ytd only) | 5.4285% | 2,789 |
| Net charge-offs to loans | 0.0332% | 4,219 |
| Credit loss provision to net charge-offs | 1,140.0000% | 271 |
| Earnings coverage of net charge-offs (x) | 73.9200% | 610 |
| Efficiency ratio | 63.1872% | 4,987 |
| Assets per employee ($millions) | 3.8447% | 4,123 |
| Cash dividends to net income (ytd only)* | 28.1250% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5788% | 6,636 |
| Loan loss allowance to noncurrent loans | 146.4052% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.8284% | 4,164 |
| Noncurrent loans to loans | 0.3954% | 5,282 |
| Net loans and leases to total assets | 60.6495% | 3,549 |
| Net loans and leases to deposits | 73.0266% | 3,300 |
| Net loans and leases to core deposits | 77.1003% | 3,416 |
| Total domestic deposits to total assets | 83.0512% | 4,683 |
| Equity capital to assets | 11.2606% | 2,510 |
| Core capital (leverage) ratio | 9.8348% | 3,747 |
| Tier 1 risk-based capital ratio | 15.1743% | 3,659 |
| Total risk-based capital ratio | 15.7278% | 4,074 |
| Memoranda: | ||
| Average total assets | $260,177,330 | 2,458 |
| Average earning assets | $241,842,330 | 2,431 |
| Average equity | $28,810,670 | 2,357 |
| Average total loans | $150,682,670 | 2,563 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 2,754 |
| Cost of funding earning assets | 0.4652% | 4,425 |
| Net interest margin | 3.8682% | 2,221 |
| Noninterest income to average assets | 0.2658% | 5,559 |
| Noninterest expense to average assets | 2.5529% | 4,558 |
| Loan and lease loss provision to assets | 0.1822% | 2,032 |
| Net operating income to assets | 0.7588% | 3,385 |
| Return on assets (ROA) | 0.7669% | 3,490 |
| Pretax return on assets | 1.1420% | 2,804 |
| Return on Equity (ROE) | 6.9826% | 3,493 |
| Retained earnings to average equity (ytd only) | 4.8394% | 3,335 |
| Net charge-offs to loans | 0.0108% | 3,929 |
| Credit loss provision to net charge-offs | 3,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 216.0000% | 187 |
| Efficiency ratio | 64.7544% | 4,872 |
| Assets per employee ($millions) | 3.9369% | 4,086 |
| Cash dividends to net income (ytd only)* | 30.6931% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5152% | 6,776 |
| Loan loss allowance to noncurrent loans | 94.3538% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.8675% | 4,211 |
| Noncurrent loans to loans | 0.5460% | 5,076 |
| Net loans and leases to total assets | 55.8847% | 4,102 |
| Net loans and leases to deposits | 67.8506% | 3,789 |
| Net loans and leases to core deposits | 71.5721% | 3,872 |
| Total domestic deposits to total assets | 82.3643% | 5,070 |
| Equity capital to assets | 11.2005% | 2,737 |
| Core capital (leverage) ratio | 9.2944% | 4,408 |
| Tier 1 risk-based capital ratio | 15.3160% | 3,643 |
| Total risk-based capital ratio | 15.7940% | 4,109 |
| Memoranda: | ||
| Average total assets | $263,389,500 | 2,456 |
| Average earning assets | $245,072,500 | 2,422 |
| Average equity | $28,929,000 | 2,388 |
| Average total loans | $148,626,000 | 2,602 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6157% | 2,937 |
| Cost of funding earning assets | 0.7442% | 3,124 |
| Net interest margin | 3.8715% | 2,938 |
| Noninterest income to average assets | 0.3956% | 4,648 |
| Noninterest expense to average assets | 2.5031% | 5,080 |
| Loan and lease loss provision to assets | 0.2111% | 3,034 |
| Net operating income to assets | 0.9207% | 2,705 |
| Return on assets (ROA) | 1.0123% | 2,496 |
| Pretax return on assets | 1.4457% | 1,874 |
| Return on Equity (ROE) | 9.2683% | 2,504 |
| Retained earnings to average equity (ytd only) | -1.1035% | 6,032 |
| Net charge-offs to loans | -0.0424% | 6,675 |
| Credit loss provision to net charge-offs | -878.4615% | 6,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8975% | 5,403 |
| Assets per employee ($millions) | 4.0446% | 3,855 |
| Cash dividends to net income (ytd only)* | 111.9065% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4204% | 6,883 |
| Loan loss allowance to noncurrent loans | 28.5843% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8665% | 4,315 |
| Noncurrent loans to loans | 1.4707% | 3,387 |
| Net loans and leases to total assets | 56.4374% | 4,218 |
| Net loans and leases to deposits | 69.1611% | 3,816 |
| Net loans and leases to core deposits | 75.0853% | 3,647 |
| Total domestic deposits to total assets | 81.6027% | 5,225 |
| Equity capital to assets | 10.7720% | 3,203 |
| Core capital (leverage) ratio | 9.1812% | 4,612 |
| Tier 1 risk-based capital ratio | 14.9434% | 3,749 |
| Total risk-based capital ratio | 15.3442% | 4,269 |
| Memoranda: | ||
| Average total assets | $270,463,200 | 2,339 |
| Average earning assets | $253,832,000 | 2,281 |
| Average equity | $29,541,600 | 2,277 |
| Average total loans | $153,150,600 | 2,528 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5833% | 3,274 |
| Cost of funding earning assets | 0.8165% | 2,808 |
| Net interest margin | 3.7667% | 3,482 |
| Noninterest income to average assets | 0.3160% | 5,252 |
| Noninterest expense to average assets | 2.5315% | 4,984 |
| Loan and lease loss provision to assets | 0.1769% | 3,372 |
| Net operating income to assets | 0.8118% | 3,393 |
| Return on assets (ROA) | 0.9321% | 3,050 |
| Pretax return on assets | 1.3154% | 2,537 |
| Return on Equity (ROE) | 8.5051% | 3,043 |
| Retained earnings to average equity (ytd only) | 5.0663% | 3,323 |
| Net charge-offs to loans | -0.0408% | 6,657 |
| Credit loss provision to net charge-offs | -765.9574% | 6,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4059% | 4,739 |
| Assets per employee ($millions) | 3.9062% | 4,066 |
| Cash dividends to net income (ytd only)* | 40.4322% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2673% | 7,064 |
| Loan loss allowance to noncurrent loans | 20.9254% | 6,472 |
| Noncurrent assets plus other real estate owned to assets | 0.7443% | 4,830 |
| Noncurrent loans to loans | 1.2775% | 3,910 |
| Net loans and leases to total assets | 57.1660% | 4,268 |
| Net loans and leases to deposits | 65.9049% | 4,481 |
| Net loans and leases to core deposits | 70.3292% | 4,461 |
| Total domestic deposits to total assets | 86.7401% | 2,831 |
| Equity capital to assets | 11.4825% | 2,759 |
| Core capital (leverage) ratio | 9.5234% | 4,234 |
| Tier 1 risk-based capital ratio | 15.7550% | 3,398 |
| Total risk-based capital ratio | 16.0100% | 3,966 |
| Memoranda: | ||
| Average total assets | $271,343,500 | 2,353 |
| Average earning assets | $254,892,500 | 2,298 |
| Average equity | $29,738,250 | 2,285 |
| Average total loans | $153,615,500 | 2,549 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6188% | 3,279 |
| Cost of funding earning assets | 0.8669% | 2,681 |
| Net interest margin | 3.7518% | 3,579 |
| Noninterest income to average assets | 0.3294% | 5,193 |
| Noninterest expense to average assets | 2.5442% | 4,982 |
| Loan and lease loss provision to assets | 0.1757% | 3,345 |
| Net operating income to assets | 0.8165% | 3,319 |
| Return on assets (ROA) | 0.8644% | 3,333 |
| Pretax return on assets | 1.2048% | 2,903 |
| Return on Equity (ROE) | 8.0110% | 3,255 |
| Retained earnings to average equity (ytd only) | 7.1224% | 2,036 |
| Net charge-offs to loans | -0.0441% | 6,631 |
| Credit loss provision to net charge-offs | -705.8824% | 6,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6746% | 4,771 |
| Assets per employee ($millions) | 3.9485% | 3,980 |
| Cash dividends to net income (ytd only)* | 11.0923% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1817% | 7,150 |
| Loan loss allowance to noncurrent loans | 15.3587% | 6,636 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 5,019 |
| Noncurrent loans to loans | 1.1830% | 4,177 |
| Net loans and leases to total assets | 56.0642% | 4,459 |
| Net loans and leases to deposits | 64.1768% | 4,743 |
| Net loans and leases to core deposits | 68.6262% | 4,714 |
| Total domestic deposits to total assets | 87.3591% | 2,563 |
| Equity capital to assets | 11.3273% | 2,754 |
| Core capital (leverage) ratio | 9.0676% | 4,809 |
| Tier 1 risk-based capital ratio | 15.9100% | 3,204 |
| Total risk-based capital ratio | 16.0840% | 3,829 |
| Memoranda: | ||
| Average total assets | $273,251,000 | 2,346 |
| Average earning assets | $256,994,330 | 2,288 |
| Average equity | $29,484,330 | 2,293 |
| Average total loans | $154,070,000 | 2,546 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5851% | 3,576 |
| Cost of funding earning assets | 0.8868% | 2,782 |
| Net interest margin | 3.6983% | 3,841 |
| Noninterest income to average assets | 0.2699% | 5,719 |
| Noninterest expense to average assets | 2.6021% | 4,808 |
| Loan and lease loss provision to assets | 0.1741% | 3,226 |
| Net operating income to assets | 0.7045% | 3,865 |
| Return on assets (ROA) | 0.7996% | 3,614 |
| Pretax return on assets | 1.1058% | 3,301 |
| Return on Equity (ROE) | 7.5949% | 3,453 |
| Retained earnings to average equity (ytd only) | 6.6989% | 2,585 |
| Net charge-offs to loans | -0.0488% | 6,521 |
| Credit loss provision to net charge-offs | -631.5789% | 5,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0728% | 4,156 |
| Assets per employee ($millions) | 4.0561% | 3,894 |
| Cash dividends to net income (ytd only)* | 11.7967% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0895% | 7,224 |
| Loan loss allowance to noncurrent loans | 7.6123% | 6,766 |
| Noncurrent assets plus other real estate owned to assets | 0.8020% | 4,942 |
| Noncurrent loans to loans | 1.1754% | 4,371 |
| Net loans and leases to total assets | 54.6664% | 4,610 |
| Net loans and leases to deposits | 65.2878% | 4,458 |
| Net loans and leases to core deposits | 69.7654% | 4,454 |
| Total domestic deposits to total assets | 83.7313% | 4,621 |
| Equity capital to assets | 10.3664% | 3,651 |
| Core capital (leverage) ratio | 9.2188% | 4,481 |
| Tier 1 risk-based capital ratio | 14.9621% | 3,781 |
| Total risk-based capital ratio | 15.0471% | 4,597 |
| Memoranda: | ||
| Average total assets | $275,626,000 | 2,341 |
| Average earning assets | $259,364,000 | 2,285 |
| Average equity | $29,019,500 | 2,320 |
| Average total loans | $155,701,500 | 2,545 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8701% | 7,330 |
| Cost of funding earning assets | 0.1688% | 7,265 |
| Net interest margin | 0.7013% | 7,324 |
| Noninterest income to average assets | 0.0728% | 6,744 |
| Noninterest expense to average assets | 0.3344% | 7,340 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2749% | 5,349 |
| Return on assets (ROA) | 0.2749% | 5,504 |
| Pretax return on assets | 0.4068% | 5,278 |
| Return on Equity (ROE) | 2.6854% | 5,406 |
| Retained earnings to average equity (ytd only) | 2.6854% | 4,321 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9514% | 7,125 |
| Assets per employee ($millions) | 3.7129% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,295 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,868 |
| Noncurrent assets plus other real estate owned to assets | 1.5161% | 3,677 |
| Noncurrent loans to loans | 2.0544% | 3,137 |
| Net loans and leases to total assets | 58.3752% | 4,303 |
| Net loans and leases to deposits | 65.8492% | 4,754 |
| Net loans and leases to core deposits | 70.4810% | 4,725 |
| Total domestic deposits to total assets | 88.6498% | 1,752 |
| Equity capital to assets | 10.7008% | 3,304 |
| Core capital (leverage) ratio | 9.2495% | 4,391 |
| Tier 1 risk-based capital ratio | 14.1417% | 4,226 |
| Total risk-based capital ratio | 14.1417% | 5,136 |
| Memoranda: | ||
| Average total assets | $255,378,800 | 2,466 |
| Average earning assets | $243,416,200 | 2,366 |
| Average equity | $26,141,200 | 2,469 |
| Average total loans | $160,291,400 | 2,490 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5758% | 1,087 |
| Cost of funding earning assets | 1.1058% | 2,936 |
| Net interest margin | 4.4700% | 1,217 |
| Noninterest income to average assets | 0.2620% | 5,748 |
| Noninterest expense to average assets | 2.6228% | 4,997 |
| Loan and lease loss provision to assets | 0.6735% | 1,435 |
| Net operating income to assets | 0.9220% | 2,667 |
| Return on assets (ROA) | 0.9509% | 2,696 |
| Pretax return on assets | 1.2842% | 2,346 |
| Return on Equity (ROE) | 9.4023% | 2,425 |
| Retained earnings to average equity (ytd only) | 9.4023% | 1,011 |
| Net charge-offs to loans | 0.0777% | 5,194 |
| Credit loss provision to net charge-offs | 1,356.3830% | 200 |
| Earnings coverage of net charge-offs (x) | 38.6384% | 791 |
| Efficiency ratio | 57.7527% | 6,054 |
| Assets per employee ($millions) | 3.8689% | 4,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7378% | 3,141 |
| Loan loss allowance to noncurrent loans | 85.4337% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.6535% | 3,606 |
| Noncurrent loans to loans | 2.0341% | 3,324 |
| Net loans and leases to total assets | 60.7603% | 3,990 |
| Net loans and leases to deposits | 68.4278% | 4,537 |
| Net loans and leases to core deposits | 73.2696% | 4,553 |
| Total domestic deposits to total assets | 88.7948% | 1,549 |
| Equity capital to assets | 10.4895% | 3,720 |
| Core capital (leverage) ratio | 9.7038% | 3,844 |
| Tier 1 risk-based capital ratio | 14.6799% | 3,846 |
| Total risk-based capital ratio | 15.9343% | 3,823 |
| Memoranda: | ||
| Average total assets | $252,392,000 | 2,508 |
| Average earning assets | $241,634,750 | 2,391 |
| Average equity | $25,525,000 | 2,524 |
| Average total loans | $161,351,250 | 2,492 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6343% | 1,006 |
| Cost of funding earning assets | 1.1282% | 3,043 |
| Net interest margin | 4.5061% | 1,119 |
| Noninterest income to average assets | 0.2813% | 5,637 |
| Noninterest expense to average assets | 2.6757% | 4,918 |
| Loan and lease loss provision to assets | 0.5064% | 1,930 |
| Net operating income to assets | 1.0240% | 2,125 |
| Return on assets (ROA) | 1.0674% | 2,068 |
| Pretax return on assets | 1.4669% | 1,624 |
| Return on Equity (ROE) | 10.6947% | 1,901 |
| Retained earnings to average equity (ytd only) | 10.6947% | 724 |
| Net charge-offs to loans | 0.0833% | 4,808 |
| Credit loss provision to net charge-offs | 940.2985% | 346 |
| Earnings coverage of net charge-offs (x) | 35.5373% | 812 |
| Efficiency ratio | 58.3012% | 6,123 |
| Assets per employee ($millions) | 3.7062% | 4,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 4,726 |
| Loan loss allowance to noncurrent loans | 63.3133% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.7749% | 3,544 |
| Noncurrent loans to loans | 2.1651% | 3,265 |
| Net loans and leases to total assets | 62.1532% | 3,861 |
| Net loans and leases to deposits | 69.5607% | 4,492 |
| Net loans and leases to core deposits | 73.8458% | 4,598 |
| Total domestic deposits to total assets | 89.3511% | 1,331 |
| Equity capital to assets | 10.2536% | 3,812 |
| Core capital (leverage) ratio | 9.8618% | 3,434 |
| Tier 1 risk-based capital ratio | 15.5061% | 3,241 |
| Total risk-based capital ratio | 16.7573% | 3,185 |
| Memoranda: | ||
| Average total assets | $248,828,330 | 2,566 |
| Average earning assets | $237,900,670 | 2,445 |
| Average equity | $24,834,670 | 2,579 |
| Average total loans | $160,909,330 | 2,526 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6734% | 932 |
| Cost of funding earning assets | 1.1647% | 3,056 |
| Net interest margin | 4.5087% | 1,054 |
| Noninterest income to average assets | 0.2934% | 5,571 |
| Noninterest expense to average assets | 2.7272% | 4,728 |
| Loan and lease loss provision to assets | 0.5379% | 1,617 |
| Net operating income to assets | 0.9787% | 2,252 |
| Return on assets (ROA) | 1.0156% | 2,179 |
| Pretax return on assets | 1.3889% | 1,751 |
| Return on Equity (ROE) | 10.3225% | 1,988 |
| Retained earnings to average equity (ytd only) | 10.3225% | 1,041 |
| Net charge-offs to loans | 0.1667% | 3,478 |
| Credit loss provision to net charge-offs | 492.5373% | 730 |
| Earnings coverage of net charge-offs (x) | 17.1791% | 1,230 |
| Efficiency ratio | 59.2422% | 6,089 |
| Assets per employee ($millions) | 3.5002% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 5,752 |
| Loan loss allowance to noncurrent loans | 235.3884% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.7694% | 5,375 |
| Noncurrent loans to loans | 0.4988% | 6,023 |
| Net loans and leases to total assets | 64.6571% | 3,319 |
| Net loans and leases to deposits | 72.1563% | 4,054 |
| Net loans and leases to core deposits | 76.6185% | 4,221 |
| Total domestic deposits to total assets | 89.6070% | 1,424 |
| Equity capital to assets | 9.9612% | 3,824 |
| Core capital (leverage) ratio | 9.8424% | 3,341 |
| Tier 1 risk-based capital ratio | 15.3123% | 3,253 |
| Total risk-based capital ratio | 16.5181% | 3,238 |
| Memoranda: | ||
| Average total assets | $245,379,500 | 2,611 |
| Average earning assets | $234,569,500 | 2,501 |
| Average equity | $24,141,500 | 2,632 |
| Average total loans | $160,788,500 | 2,549 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9455% | 954 |
| Cost of funding earning assets | 1.4253% | 3,102 |
| Net interest margin | 4.5202% | 1,184 |
| Noninterest income to average assets | 0.3187% | 5,512 |
| Noninterest expense to average assets | 2.8219% | 4,517 |
| Loan and lease loss provision to assets | 0.2870% | 4,506 |
| Net operating income to assets | 1.1285% | 1,615 |
| Return on assets (ROA) | 1.1421% | 1,653 |
| Pretax return on assets | 1.5405% | 1,273 |
| Return on Equity (ROE) | 11.5410% | 1,435 |
| Retained earnings to average equity (ytd only) | 10.4588% | 442 |
| Net charge-offs to loans | 0.1902% | 5,163 |
| Credit loss provision to net charge-offs | 227.8912% | 1,288 |
| Earnings coverage of net charge-offs (x) | 14.3639% | 1,347 |
| Efficiency ratio | 60.9343% | 5,902 |
| Assets per employee ($millions) | 3.4606% | 5,026 |
| Cash dividends to net income (ytd only)* | 9.3773% | 3,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 6,215 |
| Loan loss allowance to noncurrent loans | 202.4600% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.8500% | 5,308 |
| Noncurrent loans to loans | 0.5114% | 6,013 |
| Net loans and leases to total assets | 64.9508% | 3,674 |
| Net loans and leases to deposits | 72.1382% | 4,494 |
| Net loans and leases to core deposits | 77.3097% | 4,550 |
| Total domestic deposits to total assets | 90.0365% | 1,078 |
| Equity capital to assets | 9.7125% | 4,109 |
| Core capital (leverage) ratio | 9.6925% | 3,440 |
| Tier 1 risk-based capital ratio | 15.2420% | 3,132 |
| Total risk-based capital ratio | 16.3043% | 3,168 |
| Memoranda: | ||
| Average total assets | $233,424,600 | 2,704 |
| Average earning assets | $222,687,600 | 2,599 |
| Average equity | $23,100,200 | 2,747 |
| Average total loans | $154,577,600 | 2,691 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9569% | 1,020 |
| Cost of funding earning assets | 1.4690% | 3,151 |
| Net interest margin | 4.4880% | 1,282 |
| Noninterest income to average assets | 0.3131% | 5,649 |
| Noninterest expense to average assets | 2.8042% | 4,475 |
| Loan and lease loss provision to assets | 0.2653% | 4,457 |
| Net operating income to assets | 1.1046% | 1,872 |
| Return on assets (ROA) | 1.1441% | 1,856 |
| Pretax return on assets | 1.5811% | 1,392 |
| Return on Equity (ROE) | 11.5046% | 1,648 |
| Retained earnings to average equity (ytd only) | 11.5046% | 526 |
| Net charge-offs to loans | 0.2337% | 4,540 |
| Credit loss provision to net charge-offs | 171.0037% | 2,169 |
| Earnings coverage of net charge-offs (x) | 11.5501% | 1,784 |
| Efficiency ratio | 61.0163% | 5,793 |
| Assets per employee ($millions) | 3.1729% | 5,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 6,690 |
| Loan loss allowance to noncurrent loans | 308.8795% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.6018% | 5,929 |
| Noncurrent loans to loans | 0.2963% | 6,593 |
| Net loans and leases to total assets | 66.4675% | 3,577 |
| Net loans and leases to deposits | 75.3178% | 4,296 |
| Net loans and leases to core deposits | 80.5016% | 4,449 |
| Total domestic deposits to total assets | 88.2493% | 1,827 |
| Equity capital to assets | 10.3253% | 3,733 |
| Core capital (leverage) ratio | 9.7229% | 3,589 |
| Tier 1 risk-based capital ratio | 15.0259% | 3,240 |
| Total risk-based capital ratio | 15.9727% | 3,367 |
| Memoranda: | ||
| Average total assets | $231,219,500 | 2,767 |
| Average earning assets | $220,644,500 | 2,661 |
| Average equity | $22,993,250 | 2,807 |
| Average total loans | $153,475,500 | 2,754 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9446% | 1,065 |
| Cost of funding earning assets | 1.5324% | 3,056 |
| Net interest margin | 4.4122% | 1,413 |
| Noninterest income to average assets | 0.2952% | 5,784 |
| Noninterest expense to average assets | 2.7707% | 4,618 |
| Loan and lease loss provision to assets | 0.2751% | 4,189 |
| Net operating income to assets | 1.0601% | 1,982 |
| Return on assets (ROA) | 1.0805% | 1,995 |
| Pretax return on assets | 1.4875% | 1,587 |
| Return on Equity (ROE) | 11.0115% | 1,752 |
| Retained earnings to average equity (ytd only) | 11.0115% | 656 |
| Net charge-offs to loans | 0.1030% | 5,117 |
| Credit loss provision to net charge-offs | 403.8462% | 899 |
| Earnings coverage of net charge-offs (x) | 25.4615% | 1,038 |
| Efficiency ratio | 61.4967% | 5,767 |
| Assets per employee ($millions) | 3.3038% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 6,490 |
| Loan loss allowance to noncurrent loans | 166.6298% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 5,838 |
| Noncurrent loans to loans | 0.5874% | 6,074 |
| Net loans and leases to total assets | 65.0416% | 4,034 |
| Net loans and leases to deposits | 72.9100% | 4,848 |
| Net loans and leases to core deposits | 77.2667% | 5,054 |
| Total domestic deposits to total assets | 89.2081% | 1,321 |
| Equity capital to assets | 9.8669% | 4,176 |
| Core capital (leverage) ratio | 9.6115% | 3,663 |
| Tier 1 risk-based capital ratio | 14.9650% | 3,165 |
| Total risk-based capital ratio | 15.9707% | 3,289 |
| Memoranda: | ||
| Average total assets | $228,969,670 | 2,826 |
| Average earning assets | $218,485,000 | 2,705 |
| Average equity | $22,467,330 | 2,862 |
| Average total loans | $151,423,000 | 2,809 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9326% | 1,124 |
| Cost of funding earning assets | 1.6002% | 2,960 |
| Net interest margin | 4.3325% | 1,585 |
| Noninterest income to average assets | 0.2812% | 5,891 |
| Noninterest expense to average assets | 2.8333% | 4,356 |
| Loan and lease loss provision to assets | 0.2653% | 3,906 |
| Net operating income to assets | 0.9698% | 2,300 |
| Return on assets (ROA) | 0.9763% | 2,338 |
| Pretax return on assets | 1.3335% | 1,954 |
| Return on Equity (ROE) | 9.9781% | 2,110 |
| Retained earnings to average equity (ytd only) | 9.9781% | 1,144 |
| Net charge-offs to loans | 0.1146% | 4,293 |
| Credit loss provision to net charge-offs | 348.8372% | 1,161 |
| Earnings coverage of net charge-offs (x) | 20.9070% | 1,142 |
| Efficiency ratio | 64.0544% | 5,486 |
| Assets per employee ($millions) | 3.3353% | 5,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 6,819 |
| Loan loss allowance to noncurrent loans | 154.6577% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.5657% | 6,092 |
| Noncurrent loans to loans | 0.5875% | 6,132 |
| Net loans and leases to total assets | 65.3028% | 4,043 |
| Net loans and leases to deposits | 72.7520% | 4,953 |
| Net loans and leases to core deposits | 77.0437% | 5,135 |
| Total domestic deposits to total assets | 89.7609% | 1,108 |
| Equity capital to assets | 9.7637% | 4,156 |
| Core capital (leverage) ratio | 9.6443% | 3,585 |
| Tier 1 risk-based capital ratio | 14.5830% | 3,331 |
| Total risk-based capital ratio | 15.5067% | 3,478 |
| Memoranda: | ||
| Average total assets | $226,168,000 | 2,918 |
| Average earning assets | $216,228,500 | 2,791 |
| Average equity | $22,128,500 | 2,929 |
| Average total loans | $150,095,500 | 2,895 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4312% | 773 |
| Cost of funding earning assets | 1.9805% | 3,054 |
| Net interest margin | 4.4507% | 1,294 |
| Noninterest income to average assets | 0.3529% | 5,577 |
| Noninterest expense to average assets | 2.9628% | 4,292 |
| Loan and lease loss provision to assets | 0.2754% | 5,209 |
| Net operating income to assets | 0.9838% | 1,896 |
| Return on assets (ROA) | 1.0216% | 1,816 |
| Pretax return on assets | 1.4094% | 1,413 |
| Return on Equity (ROE) | 9.8643% | 1,730 |
| Retained earnings to average equity (ytd only) | 9.2610% | 456 |
| Net charge-offs to loans | 0.1318% | 5,882 |
| Credit loss provision to net charge-offs | 296.2366% | 1,124 |
| Earnings coverage of net charge-offs (x) | 17.5591% | 1,178 |
| Efficiency ratio | 64.4768% | 5,681 |
| Assets per employee ($millions) | 3.0438% | 6,115 |
| Cash dividends to net income (ytd only)* | 6.1155% | 3,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 6,966 |
| Loan loss allowance to noncurrent loans | 174.8281% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.5545% | 6,065 |
| Noncurrent loans to loans | 0.4895% | 6,277 |
| Net loans and leases to total assets | 66.2721% | 4,087 |
| Net loans and leases to deposits | 73.7914% | 5,078 |
| Net loans and leases to core deposits | 107.8167% | 3,120 |
| Total domestic deposits to total assets | 89.8100% | 1,053 |
| Equity capital to assets | 9.8052% | 3,998 |
| Core capital (leverage) ratio | 9.5832% | 3,621 |
| Tier 1 risk-based capital ratio | 14.5281% | 3,197 |
| Total risk-based capital ratio | 15.3990% | 3,364 |
| Memoranda: | ||
| Average total assets | $200,080,800 | 3,180 |
| Average earning assets | $190,712,200 | 3,085 |
| Average equity | $20,721,200 | 3,105 |
| Average total loans | $141,111,000 | 3,059 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4888% | 765 |
| Cost of funding earning assets | 2.0312% | 3,212 |
| Net interest margin | 4.4576% | 1,302 |
| Noninterest income to average assets | 0.3728% | 5,531 |
| Noninterest expense to average assets | 2.9949% | 4,060 |
| Loan and lease loss provision to assets | 0.2467% | 4,977 |
| Net operating income to assets | 0.9800% | 2,128 |
| Return on assets (ROA) | 1.0252% | 2,042 |
| Pretax return on assets | 1.4392% | 1,594 |
| Return on Equity (ROE) | 9.7514% | 2,014 |
| Retained earnings to average equity (ytd only) | 9.7514% | 680 |
| Net charge-offs to loans | 0.1417% | 5,284 |
| Credit loss provision to net charge-offs | 243.2432% | 1,788 |
| Earnings coverage of net charge-offs (x) | 15.9931% | 1,501 |
| Efficiency ratio | 64.8657% | 5,574 |
| Assets per employee ($millions) | 3.1543% | 5,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7764% | 7,192 |
| Loan loss allowance to noncurrent loans | 216.2476% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 6,595 |
| Noncurrent loans to loans | 0.3590% | 6,633 |
| Net loans and leases to total assets | 66.6120% | 4,278 |
| Net loans and leases to deposits | 74.7369% | 5,258 |
| Net loans and leases to core deposits | 107.8025% | 3,493 |
| Total domestic deposits to total assets | 89.1286% | 1,138 |
| Equity capital to assets | 10.1431% | 3,913 |
| Core capital (leverage) ratio | 10.2336% | 3,038 |
| Tier 1 risk-based capital ratio | 14.7583% | 3,156 |
| Total risk-based capital ratio | 15.5524% | 3,333 |
| Memoranda: | ||
| Average total assets | $194,551,250 | 3,260 |
| Average earning assets | $185,239,000 | 3,175 |
| Average equity | $20,454,750 | 3,173 |
| Average total loans | $139,257,000 | 3,131 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6210% | 636 |
| Cost of funding earning assets | 2.1028% | 3,250 |
| Net interest margin | 4.5182% | 1,127 |
| Noninterest income to average assets | 0.3289% | 5,882 |
| Noninterest expense to average assets | 3.0654% | 3,827 |
| Loan and lease loss provision to assets | 0.2554% | 4,532 |
| Net operating income to assets | 0.9371% | 2,321 |
| Return on assets (ROA) | 1.0111% | 2,162 |
| Pretax return on assets | 1.4209% | 1,664 |
| Return on Equity (ROE) | 9.4900% | 2,190 |
| Retained earnings to average equity (ytd only) | 9.4900% | 818 |
| Net charge-offs to loans | 0.1162% | 4,994 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 18.4625% | 1,410 |
| Efficiency ratio | 66.1005% | 5,532 |
| Assets per employee ($millions) | 3.1659% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7576% | 7,282 |
| Loan loss allowance to noncurrent loans | 162.2527% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 6,340 |
| Noncurrent loans to loans | 0.4669% | 6,361 |
| Net loans and leases to total assets | 72.3092% | 3,136 |
| Net loans and leases to deposits | 81.3877% | 4,323 |
| Net loans and leases to core deposits | 114.4734% | 2,858 |
| Total domestic deposits to total assets | 88.8454% | 1,354 |
| Equity capital to assets | 10.6125% | 3,286 |
| Core capital (leverage) ratio | 10.5451% | 2,773 |
| Tier 1 risk-based capital ratio | 15.1094% | 2,973 |
| Total risk-based capital ratio | 15.9055% | 3,109 |
| Memoranda: | ||
| Average total assets | $187,905,000 | 3,362 |
| Average earning assets | $179,186,670 | 3,271 |
| Average equity | $20,021,000 | 3,241 |
| Average total loans | $137,678,000 | 3,188 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6357% | 658 |
| Cost of funding earning assets | 2.1757% | 3,290 |
| Net interest margin | 4.4600% | 1,210 |
| Noninterest income to average assets | 0.3540% | 5,611 |
| Noninterest expense to average assets | 3.0610% | 3,514 |
| Loan and lease loss provision to assets | 0.2590% | 3,893 |
| Net operating income to assets | 0.9144% | 2,638 |
| Return on assets (ROA) | 0.9174% | 2,765 |
| Pretax return on assets | 1.2909% | 2,316 |
| Return on Equity (ROE) | 8.5928% | 2,888 |
| Retained earnings to average equity (ytd only) | 8.5928% | 1,600 |
| Net charge-offs to loans | 0.2321% | 3,248 |
| Credit loss provision to net charge-offs | 151.8987% | 2,749 |
| Earnings coverage of net charge-offs (x) | 9.0633% | 2,111 |
| Efficiency ratio | 66.4480% | 5,242 |
| Assets per employee ($millions) | 3.3148% | 5,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6914% | 7,459 |
| Loan loss allowance to noncurrent loans | 189.7796% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.3188% | 6,557 |
| Noncurrent loans to loans | 0.3643% | 6,518 |
| Net loans and leases to total assets | 70.7505% | 3,527 |
| Net loans and leases to deposits | 79.5916% | 4,677 |
| Net loans and leases to core deposits | 110.9523% | 3,317 |
| Total domestic deposits to total assets | 88.8919% | 1,278 |
| Equity capital to assets | 10.4637% | 3,497 |
| Core capital (leverage) ratio | 10.5482% | 2,875 |
| Tier 1 risk-based capital ratio | 14.9438% | 3,096 |
| Total risk-based capital ratio | 15.6618% | 3,281 |
| Memoranda: | ||
| Average total assets | $185,296,500 | 3,423 |
| Average earning assets | $176,681,500 | 3,326 |
| Average equity | $19,784,000 | 3,288 |
| Average total loans | $136,161,500 | 3,245 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2276% | 693 |
| Cost of funding earning assets | 2.5294% | 4,052 |
| Net interest margin | 4.6982% | 976 |
| Noninterest income to average assets | 0.4848% | 4,750 |
| Noninterest expense to average assets | 3.0267% | 3,981 |
| Loan and lease loss provision to assets | 0.1548% | 5,382 |
| Net operating income to assets | 1.2356% | 1,666 |
| Return on assets (ROA) | 1.2540% | 1,565 |
| Pretax return on assets | 1.7960% | 954 |
| Return on Equity (ROE) | 11.5910% | 1,718 |
| Retained earnings to average equity (ytd only) | 9.9714% | 453 |
| Net charge-offs to loans | 0.1839% | 4,359 |
| Credit loss provision to net charge-offs | 115.7205% | 4,665 |
| Earnings coverage of net charge-offs (x) | 14.3886% | 2,038 |
| Efficiency ratio | 61.1301% | 6,134 |
| Assets per employee ($millions) | 3.0227% | 6,008 |
| Cash dividends to net income (ytd only)* | 13.9730% | 4,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6694% | 7,504 |
| Loan loss allowance to noncurrent loans | 402.6667% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 6,800 |
| Noncurrent loans to loans | 0.1662% | 6,897 |
| Net loans and leases to total assets | 75.3899% | 2,788 |
| Net loans and leases to deposits | 85.0425% | 4,246 |
| Net loans and leases to core deposits | 114.5779% | 3,274 |
| Total domestic deposits to total assets | 88.6496% | 1,183 |
| Equity capital to assets | 10.9069% | 3,114 |
| Core capital (leverage) ratio | 10.9230% | 2,653 |
| Tier 1 risk-based capital ratio | 15.0969% | 2,992 |
| Total risk-based capital ratio | 15.8062% | 3,192 |
| Memoranda: | ||
| Average total assets | $171,210,800 | 3,534 |
| Average earning assets | $162,765,200 | 3,432 |
| Average equity | $18,523,000 | 3,473 |
| Average total loans | $124,550,600 | 3,362 |