Home > Scott Valley Bank > Performance and Condition Ratios
Scott Valley Bank, Performance and Condition Ratios
| 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 | 4.0831% | 3,289 |
| Cost of funding earning assets | 0.0771% | 5,505 |
| Net interest margin | 4.0060% | 1,708 |
| Noninterest income to average assets | 0.3830% | 3,578 |
| Noninterest expense to average assets | 2.7770% | 2,784 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0242% | 2,757 |
| Return on assets (ROA) | 1.0256% | 2,768 |
| Pretax return on assets | 1.3905% | 2,043 |
| Return on Equity (ROE) | 10.3433% | 2,255 |
| Retained earnings to average equity (ytd only) | -1.3971% | 4,951 |
| Net charge-offs to loans | 0.0165% | 2,181 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 132.5556% | 489 |
| Efficiency ratio | 66.6620% | 3,056 |
| Assets per employee ($millions) | 6.2622% | 1,328 |
| Cash dividends to net income (ytd only)* | 113.5074% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 1,666 |
| Loan loss allowance to noncurrent loans | 1,021.6129% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 2,211 |
| Noncurrent loans to loans | 0.1418% | 4,332 |
| Net loans and leases to total assets | 63.1426% | 3,416 |
| Net loans and leases to deposits | 71.4492% | 3,662 |
| Net loans and leases to core deposits | 74.6628% | 3,771 |
| Total domestic deposits to total assets | 88.3741% | 1,424 |
| Equity capital to assets | 9.9073% | 3,693 |
| Core capital (leverage) ratio | 9.9919% | 3,546 |
| Tier 1 risk-based capital ratio | 12.3967% | 4,309 |
| Total risk-based capital ratio | 13.5725% | 4,257 |
| Memoranda: | ||
| Average total assets | $687,221,500 | 1,085 |
| Average earning assets | $648,926,000 | 1,063 |
| Average equity | $68,141,000 | 1,195 |
| Average total loans | $436,677,500 | 1,177 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1089% | 3,026 |
| Cost of funding earning assets | 0.0716% | 5,574 |
| Net interest margin | 4.0373% | 1,635 |
| Noninterest income to average assets | 0.4426% | 3,353 |
| Noninterest expense to average assets | 2.8285% | 2,683 |
| Loan and lease loss provision to assets | 0.1179% | 1,932 |
| Net operating income to assets | 0.5620% | 4,182 |
| Return on assets (ROA) | 0.5628% | 4,210 |
| Pretax return on assets | 1.3035% | 2,332 |
| Return on Equity (ROE) | 5.6076% | 3,914 |
| Retained earnings to average equity (ytd only) | 2.6709% | 3,715 |
| Net charge-offs to loans | -0.0336% | 5,084 |
| Credit loss provision to net charge-offs | -551.7241% | 4,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5753% | 3,154 |
| Assets per employee ($millions) | 6.1227% | 1,433 |
| Cash dividends to net income (ytd only)* | 52.3697% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 1,561 |
| Loan loss allowance to noncurrent loans | 545.7904% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 1,980 |
| Noncurrent loans to loans | 0.2670% | 3,831 |
| Net loans and leases to total assets | 62.1032% | 3,607 |
| Net loans and leases to deposits | 70.2563% | 3,846 |
| Net loans and leases to core deposits | 74.2264% | 3,863 |
| Total domestic deposits to total assets | 88.3953% | 1,297 |
| Equity capital to assets | 9.9235% | 3,786 |
| Core capital (leverage) ratio | 9.8746% | 3,609 |
| Tier 1 risk-based capital ratio | 12.3662% | 4,284 |
| Total risk-based capital ratio | 13.5385% | 4,250 |
| Memoranda: | ||
| Average total assets | $678,550,000 | 1,072 |
| Average earning assets | $639,687,200 | 1,053 |
| Average equity | $68,103,400 | 1,175 |
| Average total loans | $431,194,200 | 1,160 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0930% | 3,008 |
| Cost of funding earning assets | 0.0713% | 5,638 |
| Net interest margin | 4.0217% | 1,626 |
| Noninterest income to average assets | 0.5073% | 2,991 |
| Noninterest expense to average assets | 2.8067% | 2,700 |
| Loan and lease loss provision to assets | 0.1481% | 1,416 |
| Net operating income to assets | 0.8831% | 3,115 |
| Return on assets (ROA) | 0.8850% | 3,150 |
| Pretax return on assets | 1.3439% | 2,309 |
| Return on Equity (ROE) | 8.7925% | 2,730 |
| Retained earnings to average equity (ytd only) | 4.8691% | 2,974 |
| Net charge-offs to loans | -0.0437% | 5,121 |
| Credit loss provision to net charge-offs | -531.9149% | 4,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3367% | 3,323 |
| Assets per employee ($millions) | 5.9690% | 1,520 |
| Cash dividends to net income (ytd only)* | 44.6229% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 1,864 |
| Loan loss allowance to noncurrent loans | 654.4699% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.8139% | 2,116 |
| Noncurrent loans to loans | 0.2147% | 4,206 |
| Net loans and leases to total assets | 64.3472% | 3,341 |
| Net loans and leases to deposits | 72.9698% | 3,671 |
| Net loans and leases to core deposits | 77.2298% | 3,707 |
| Total domestic deposits to total assets | 88.1833% | 1,267 |
| Equity capital to assets | 10.1714% | 3,727 |
| Core capital (leverage) ratio | 10.1570% | 3,368 |
| Tier 1 risk-based capital ratio | 12.1840% | 4,507 |
| Total risk-based capital ratio | 13.3185% | 4,458 |
| Memoranda: | ||
| Average total assets | $675,221,500 | 1,085 |
| Average earning assets | $636,059,250 | 1,063 |
| Average equity | $67,965,000 | 1,179 |
| Average total loans | $429,987,000 | 1,173 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0746% | 2,915 |
| Cost of funding earning assets | 0.0711% | 5,677 |
| Net interest margin | 4.0034% | 1,594 |
| Noninterest income to average assets | 0.4578% | 3,303 |
| Noninterest expense to average assets | 2.7724% | 2,852 |
| Loan and lease loss provision to assets | 0.1042% | 1,944 |
| Net operating income to assets | 0.8978% | 2,925 |
| Return on assets (ROA) | 0.8998% | 2,971 |
| Pretax return on assets | 1.3561% | 2,183 |
| Return on Equity (ROE) | 8.9715% | 2,524 |
| Retained earnings to average equity (ytd only) | 3.0321% | 3,911 |
| Net charge-offs to loans | -0.0627% | 5,262 |
| Credit loss provision to net charge-offs | -263.1579% | 4,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5447% | 3,424 |
| Assets per employee ($millions) | 6.1079% | 1,380 |
| Cash dividends to net income (ytd only)* | 66.2032% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 2,109 |
| Loan loss allowance to noncurrent loans | 359.7442% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.9465% | 1,857 |
| Noncurrent loans to loans | 0.3785% | 3,670 |
| Net loans and leases to total assets | 63.6879% | 3,436 |
| Net loans and leases to deposits | 72.2097% | 3,717 |
| Net loans and leases to core deposits | 76.5133% | 3,729 |
| Total domestic deposits to total assets | 88.1986% | 1,354 |
| Equity capital to assets | 10.1704% | 3,712 |
| Core capital (leverage) ratio | 10.1763% | 3,306 |
| Tier 1 risk-based capital ratio | 12.1813% | 4,505 |
| Total risk-based capital ratio | 13.2670% | 4,505 |
| Memoranda: | ||
| Average total assets | $671,484,000 | 1,093 |
| Average earning assets | $632,658,670 | 1,070 |
| Average equity | $67,346,670 | 1,191 |
| Average total loans | $423,983,670 | 1,187 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0987% | 2,654 |
| Cost of funding earning assets | 0.0695% | 5,745 |
| Net interest margin | 4.0292% | 1,392 |
| Noninterest income to average assets | 0.4695% | 3,192 |
| Noninterest expense to average assets | 2.7809% | 2,859 |
| Loan and lease loss provision to assets | 0.0596% | 2,613 |
| Net operating income to assets | 0.9530% | 2,513 |
| Return on assets (ROA) | 0.9570% | 2,554 |
| Pretax return on assets | 1.4360% | 1,747 |
| Return on Equity (ROE) | 9.6090% | 2,136 |
| Retained earnings to average equity (ytd only) | -2.3574% | 5,204 |
| Net charge-offs to loans | -0.1164% | 5,490 |
| Credit loss provision to net charge-offs | -81.9672% | 3,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1179% | 3,646 |
| Assets per employee ($millions) | 6.2558% | 1,323 |
| Cash dividends to net income (ytd only)* | 124.5330% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 2,377 |
| Loan loss allowance to noncurrent loans | 315.0112% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.9758% | 1,876 |
| Noncurrent loans to loans | 0.4230% | 3,578 |
| Net loans and leases to total assets | 61.2978% | 3,625 |
| Net loans and leases to deposits | 69.2108% | 3,876 |
| Net loans and leases to core deposits | 73.3806% | 3,889 |
| Total domestic deposits to total assets | 88.5667% | 1,389 |
| Equity capital to assets | 9.7968% | 3,979 |
| Core capital (leverage) ratio | 10.1809% | 3,258 |
| Tier 1 risk-based capital ratio | 12.1783% | 4,599 |
| Total risk-based capital ratio | 13.2391% | 4,618 |
| Memoranda: | ||
| Average total assets | $671,291,000 | 1,095 |
| Average earning assets | $633,280,000 | 1,069 |
| Average equity | $66,854,000 | 1,193 |
| Average total loans | $419,072,000 | 1,200 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9344% | 3,444 |
| Cost of funding earning assets | 0.0720% | 5,800 |
| Net interest margin | 3.8624% | 2,093 |
| Noninterest income to average assets | 0.4429% | 3,595 |
| Noninterest expense to average assets | 2.8902% | 2,708 |
| Loan and lease loss provision to assets | 0.0731% | 2,893 |
| Net operating income to assets | 0.7423% | 3,575 |
| Return on assets (ROA) | 0.7442% | 3,679 |
| Pretax return on assets | 1.1026% | 3,095 |
| Return on Equity (ROE) | 6.9368% | 3,504 |
| Retained earnings to average equity (ytd only) | 4.0585% | 3,030 |
| Net charge-offs to loans | -0.0253% | 5,186 |
| Credit loss provision to net charge-offs | -473.6842% | 5,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1337% | 2,721 |
| Assets per employee ($millions) | 5.9523% | 1,515 |
| Cash dividends to net income (ytd only)* | 41.4938% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 2,487 |
| Loan loss allowance to noncurrent loans | 336.7410% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 1.0169% | 1,864 |
| Noncurrent loans to loans | 0.3894% | 3,749 |
| Net loans and leases to total assets | 61.9170% | 3,620 |
| Net loans and leases to deposits | 70.0874% | 3,893 |
| Net loans and leases to core deposits | 74.4893% | 3,879 |
| Total domestic deposits to total assets | 88.3426% | 1,467 |
| Equity capital to assets | 10.1265% | 3,574 |
| Core capital (leverage) ratio | 10.1686% | 3,271 |
| Tier 1 risk-based capital ratio | 12.3968% | 4,445 |
| Total risk-based capital ratio | 13.4293% | 4,470 |
| Memoranda: | ||
| Average total assets | $615,253,200 | 1,137 |
| Average earning assets | $576,659,800 | 1,128 |
| Average equity | $66,010,400 | 1,189 |
| Average total loans | $375,262,200 | 1,261 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9228% | 3,512 |
| Cost of funding earning assets | 0.0719% | 5,866 |
| Net interest margin | 3.8509% | 2,158 |
| Noninterest income to average assets | 0.4877% | 3,337 |
| Noninterest expense to average assets | 2.9294% | 2,546 |
| Loan and lease loss provision to assets | 0.0055% | 4,118 |
| Net operating income to assets | 0.7745% | 3,488 |
| Return on assets (ROA) | 0.7772% | 3,615 |
| Pretax return on assets | 1.1611% | 2,996 |
| Return on Equity (ROE) | 7.1340% | 3,486 |
| Retained earnings to average equity (ytd only) | 3.2833% | 3,937 |
| Net charge-offs to loans | -0.0354% | 5,227 |
| Credit loss provision to net charge-offs | -25.7732% | 4,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5874% | 2,632 |
| Assets per employee ($millions) | 5.5671% | 1,787 |
| Cash dividends to net income (ytd only)* | 53.9772% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 2,705 |
| Loan loss allowance to noncurrent loans | 257.6804% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 1.1728% | 1,708 |
| Noncurrent loans to loans | 0.5035% | 3,490 |
| Net loans and leases to total assets | 60.4511% | 3,820 |
| Net loans and leases to deposits | 68.9046% | 4,076 |
| Net loans and leases to core deposits | 73.7159% | 4,024 |
| Total domestic deposits to total assets | 87.7316% | 1,537 |
| Equity capital to assets | 10.6755% | 3,377 |
| Core capital (leverage) ratio | 10.8769% | 2,595 |
| Tier 1 risk-based capital ratio | 12.8833% | 4,231 |
| Total risk-based capital ratio | 13.8911% | 4,289 |
| Memoranda: | ||
| Average total assets | $603,890,500 | 1,162 |
| Average earning assets | $565,227,500 | 1,144 |
| Average equity | $65,786,500 | 1,202 |
| Average total loans | $365,447,000 | 1,285 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9347% | 3,485 |
| Cost of funding earning assets | 0.0734% | 5,946 |
| Net interest margin | 3.8613% | 2,105 |
| Noninterest income to average assets | 0.4937% | 3,238 |
| Noninterest expense to average assets | 2.9068% | 2,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7910% | 3,352 |
| Return on assets (ROA) | 0.7950% | 3,472 |
| Pretax return on assets | 1.1987% | 2,787 |
| Return on Equity (ROE) | 7.2464% | 3,398 |
| Retained earnings to average equity (ytd only) | 1.4297% | 4,803 |
| Net charge-offs to loans | -0.0446% | 5,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9078% | 2,844 |
| Assets per employee ($millions) | 5.1896% | 2,093 |
| Cash dividends to net income (ytd only)* | 80.2704% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 2,673 |
| Loan loss allowance to noncurrent loans | 241.0706% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 1.2555% | 1,630 |
| Noncurrent loans to loans | 0.5478% | 3,426 |
| Net loans and leases to total assets | 62.0239% | 3,624 |
| Net loans and leases to deposits | 71.1302% | 3,871 |
| Net loans and leases to core deposits | 75.9817% | 3,826 |
| Total domestic deposits to total assets | 87.1978% | 1,809 |
| Equity capital to assets | 11.1201% | 2,930 |
| Core capital (leverage) ratio | 10.9144% | 2,519 |
| Tier 1 risk-based capital ratio | 13.0631% | 4,168 |
| Total risk-based capital ratio | 14.0947% | 4,206 |
| Memoranda: | ||
| Average total assets | $595,491,670 | 1,183 |
| Average earning assets | $556,083,000 | 1,166 |
| Average equity | $65,329,330 | 1,204 |
| Average total loans | $358,833,000 | 1,305 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8845% | 3,643 |
| Cost of funding earning assets | 0.0750% | 6,002 |
| Net interest margin | 3.8096% | 2,259 |
| Noninterest income to average assets | 0.4848% | 3,230 |
| Noninterest expense to average assets | 2.8445% | 2,908 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7807% | 3,353 |
| Return on assets (ROA) | 0.7807% | 3,453 |
| Pretax return on assets | 1.1950% | 2,721 |
| Return on Equity (ROE) | 7.1654% | 3,364 |
| Retained earnings to average equity (ytd only) | -4.5609% | 5,584 |
| Net charge-offs to loans | -0.0639% | 5,452 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4178% | 3,050 |
| Assets per employee ($millions) | 5.7311% | 1,638 |
| Cash dividends to net income (ytd only)* | 163.6520% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 2,462 |
| Loan loss allowance to noncurrent loans | 205.7716% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 1.3470% | 1,575 |
| Noncurrent loans to loans | 0.6764% | 3,148 |
| Net loans and leases to total assets | 57.9237% | 4,047 |
| Net loans and leases to deposits | 66.1600% | 4,238 |
| Net loans and leases to core deposits | 70.6831% | 4,185 |
| Total domestic deposits to total assets | 87.5509% | 1,897 |
| Equity capital to assets | 10.7741% | 3,185 |
| Core capital (leverage) ratio | 10.7198% | 2,700 |
| Tier 1 risk-based capital ratio | 13.1113% | 4,191 |
| Total risk-based capital ratio | 14.1612% | 4,232 |
| Memoranda: | ||
| Average total assets | $594,836,500 | 1,188 |
| Average earning assets | $555,023,500 | 1,170 |
| Average equity | $64,811,500 | 1,204 |
| Average total loans | $350,692,500 | 1,328 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8238% | 3,970 |
| Cost of funding earning assets | 0.0784% | 6,042 |
| Net interest margin | 3.7454% | 2,576 |
| Noninterest income to average assets | 0.4552% | 3,627 |
| Noninterest expense to average assets | 2.7595% | 3,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7604% | 3,526 |
| Return on assets (ROA) | 0.7604% | 3,617 |
| Pretax return on assets | 1.1883% | 2,700 |
| Return on Equity (ROE) | 7.1456% | 3,433 |
| Retained earnings to average equity (ytd only) | 4.1319% | 3,059 |
| Net charge-offs to loans | 0.0096% | 4,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 213.3333% | 320 |
| Efficiency ratio | 69.8991% | 3,241 |
| Assets per employee ($millions) | 5.3936% | 1,910 |
| Cash dividends to net income (ytd only)* | 42.1754% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 2,421 |
| Loan loss allowance to noncurrent loans | 236.5403% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 1.3378% | 1,580 |
| Noncurrent loans to loans | 0.5916% | 3,393 |
| Net loans and leases to total assets | 58.3480% | 4,034 |
| Net loans and leases to deposits | 67.0013% | 4,221 |
| Net loans and leases to core deposits | 72.6270% | 4,079 |
| Total domestic deposits to total assets | 87.0850% | 2,086 |
| Equity capital to assets | 11.0201% | 2,798 |
| Core capital (leverage) ratio | 10.7079% | 2,701 |
| Tier 1 risk-based capital ratio | 13.3329% | 4,086 |
| Total risk-based capital ratio | 14.3767% | 4,144 |
| Memoranda: | ||
| Average total assets | $592,429,200 | 1,151 |
| Average earning assets | $552,436,000 | 1,141 |
| Average equity | $63,045,600 | 1,197 |
| Average total loans | $342,970,400 | 1,311 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7354% | 4,312 |
| Cost of funding earning assets | 0.0789% | 6,125 |
| Net interest margin | 3.6565% | 2,936 |
| Noninterest income to average assets | 0.4787% | 3,513 |
| Noninterest expense to average assets | 2.7173% | 3,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7698% | 3,580 |
| Return on assets (ROA) | 0.7698% | 3,671 |
| Pretax return on assets | 1.1757% | 2,908 |
| Return on Equity (ROE) | 7.2979% | 3,469 |
| Retained earnings to average equity (ytd only) | 3.2518% | 4,143 |
| Net charge-offs to loans | 0.0179% | 3,590 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 113.7859% | 561 |
| Efficiency ratio | 69.7998% | 3,240 |
| Assets per employee ($millions) | 5.7671% | 1,533 |
| Cash dividends to net income (ytd only)* | 55.4421% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 2,710 |
| Loan loss allowance to noncurrent loans | 135.7860% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.7381% | 1,247 |
| Noncurrent loans to loans | 1.0144% | 2,448 |
| Net loans and leases to total assets | 57.6093% | 4,187 |
| Net loans and leases to deposits | 65.7777% | 4,402 |
| Net loans and leases to core deposits | 70.8084% | 4,295 |
| Total domestic deposits to total assets | 87.5818% | 1,754 |
| Equity capital to assets | 10.5877% | 3,493 |
| Core capital (leverage) ratio | 10.4588% | 3,087 |
| Tier 1 risk-based capital ratio | 12.8235% | 4,534 |
| Total risk-based capital ratio | 13.8420% | 4,595 |
| Memoranda: | ||
| Average total assets | $593,560,250 | 1,154 |
| Average earning assets | $554,251,750 | 1,140 |
| Average equity | $62,610,000 | 1,212 |
| Average total loans | $341,738,250 | 1,317 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6710% | 4,501 |
| Cost of funding earning assets | 0.0792% | 6,201 |
| Net interest margin | 3.5918% | 3,121 |
| Noninterest income to average assets | 0.5109% | 3,299 |
| Noninterest expense to average assets | 2.7325% | 3,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7531% | 3,630 |
| Return on assets (ROA) | 0.7531% | 3,728 |
| Pretax return on assets | 1.1341% | 3,035 |
| Return on Equity (ROE) | 7.1487% | 3,528 |
| Retained earnings to average equity (ytd only) | 1.0304% | 5,157 |
| Net charge-offs to loans | -0.0006% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6703% | 3,227 |
| Assets per employee ($millions) | 5.8985% | 1,432 |
| Cash dividends to net income (ytd only)* | 85.5856% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 2,734 |
| Loan loss allowance to noncurrent loans | 131.7707% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.7618% | 1,325 |
| Noncurrent loans to loans | 1.0658% | 2,514 |
| Net loans and leases to total assets | 57.3975% | 4,172 |
| Net loans and leases to deposits | 65.3376% | 4,399 |
| Net loans and leases to core deposits | 70.2943% | 4,302 |
| Total domestic deposits to total assets | 87.8476% | 1,730 |
| Equity capital to assets | 10.3894% | 3,572 |
| Core capital (leverage) ratio | 10.5494% | 2,895 |
| Tier 1 risk-based capital ratio | 12.9167% | 4,564 |
| Total risk-based capital ratio | 13.9722% | 4,591 |
| Memoranda: | ||
| Average total assets | $589,566,670 | 1,164 |
| Average earning assets | $550,803,000 | 1,147 |
| Average equity | $62,109,000 | 1,225 |
| Average total loans | $337,744,330 | 1,333 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6068% | 4,673 |
| Cost of funding earning assets | 0.0806% | 6,264 |
| Net interest margin | 3.5261% | 3,320 |
| Noninterest income to average assets | 0.5011% | 3,280 |
| Noninterest expense to average assets | 2.8180% | 3,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6704% | 3,950 |
| Return on assets (ROA) | 0.6704% | 4,073 |
| Pretax return on assets | 0.9802% | 3,565 |
| Return on Equity (ROE) | 6.3188% | 3,868 |
| Retained earnings to average equity (ytd only) | -5.9570% | 5,984 |
| Net charge-offs to loans | 0.0012% | 3,266 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1,430.0000% | 22 |
| Efficiency ratio | 74.1924% | 2,786 |
| Assets per employee ($millions) | 5.9026% | 1,468 |
| Cash dividends to net income (ytd only)* | 194.2740% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 2,397 |
| Loan loss allowance to noncurrent loans | 128.1911% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 1.8124% | 1,351 |
| Noncurrent loans to loans | 1.1798% | 2,415 |
| Net loans and leases to total assets | 54.1782% | 4,422 |
| Net loans and leases to deposits | 61.7151% | 4,599 |
| Net loans and leases to core deposits | 66.8353% | 4,441 |
| Total domestic deposits to total assets | 87.7876% | 1,940 |
| Equity capital to assets | 10.4461% | 3,591 |
| Core capital (leverage) ratio | 10.4972% | 2,968 |
| Tier 1 risk-based capital ratio | 13.4231% | 4,363 |
| Total risk-based capital ratio | 14.5420% | 4,353 |
| Memoranda: | ||
| Average total assets | $583,528,500 | 1,181 |
| Average earning assets | $545,638,000 | 1,161 |
| Average equity | $61,910,000 | 1,235 |
| Average total loans | $331,493,000 | 1,356 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7858% | 4,534 |
| Cost of funding earning assets | 0.0921% | 6,347 |
| Net interest margin | 3.6937% | 3,029 |
| Noninterest income to average assets | 0.3930% | 4,240 |
| Noninterest expense to average assets | 2.7604% | 3,637 |
| Loan and lease loss provision to assets | 0.0708% | 3,073 |
| Net operating income to assets | 0.6635% | 4,072 |
| Return on assets (ROA) | 0.6650% | 4,160 |
| Pretax return on assets | 0.9986% | 3,503 |
| Return on Equity (ROE) | 6.2242% | 4,035 |
| Retained earnings to average equity (ytd only) | 4.0711% | 3,309 |
| Net charge-offs to loans | 0.0464% | 3,903 |
| Credit loss provision to net charge-offs | 268.4564% | 955 |
| Earnings coverage of net charge-offs (x) | 40.4698% | 1,077 |
| Efficiency ratio | 72.1208% | 3,187 |
| Assets per employee ($millions) | 5.4415% | 1,816 |
| Cash dividends to net income (ytd only)* | 34.5929% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 2,676 |
| Loan loss allowance to noncurrent loans | 100.1833% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 2.1160% | 1,171 |
| Noncurrent loans to loans | 1.4515% | 2,024 |
| Net loans and leases to total assets | 57.7957% | 4,074 |
| Net loans and leases to deposits | 65.9926% | 4,329 |
| Net loans and leases to core deposits | 71.7922% | 4,148 |
| Total domestic deposits to total assets | 87.5790% | 1,989 |
| Equity capital to assets | 10.7769% | 3,149 |
| Core capital (leverage) ratio | 10.7517% | 2,671 |
| Tier 1 risk-based capital ratio | 13.4667% | 4,433 |
| Total risk-based capital ratio | 14.5727% | 4,455 |
| Memoranda: | ||
| Average total assets | $565,097,600 | 1,170 |
| Average earning assets | $525,438,000 | 1,160 |
| Average equity | $60,376,800 | 1,212 |
| Average total loans | $321,455,400 | 1,353 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7132% | 4,818 |
| Cost of funding earning assets | 0.0950% | 6,427 |
| Net interest margin | 3.6181% | 3,356 |
| Noninterest income to average assets | 0.3624% | 4,530 |
| Noninterest expense to average assets | 2.7094% | 3,797 |
| Loan and lease loss provision to assets | 0.0830% | 2,690 |
| Net operating income to assets | 0.6208% | 4,352 |
| Return on assets (ROA) | 0.6211% | 4,442 |
| Pretax return on assets | 0.9297% | 3,863 |
| Return on Equity (ROE) | 5.8266% | 4,322 |
| Retained earnings to average equity (ytd only) | 2.9344% | 4,508 |
| Net charge-offs to loans | -0.0038% | 5,259 |
| Credit loss provision to net charge-offs | -3,888.8889% | 6,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8014% | 3,041 |
| Assets per employee ($millions) | 5.0187% | 2,216 |
| Cash dividends to net income (ytd only)* | 49.6373% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 2,895 |
| Loan loss allowance to noncurrent loans | 73.6380% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 2.4924% | 1,064 |
| Noncurrent loans to loans | 1.9859% | 1,603 |
| Net loans and leases to total assets | 59.2162% | 3,902 |
| Net loans and leases to deposits | 68.6905% | 4,055 |
| Net loans and leases to core deposits | 75.0011% | 3,849 |
| Total domestic deposits to total assets | 86.2072% | 2,751 |
| Equity capital to assets | 10.6703% | 3,342 |
| Core capital (leverage) ratio | 10.6961% | 2,821 |
| Tier 1 risk-based capital ratio | 12.9174% | 4,916 |
| Total risk-based capital ratio | 14.0211% | 4,904 |
| Memoranda: | ||
| Average total assets | $562,173,000 | 1,191 |
| Average earning assets | $521,951,500 | 1,175 |
| Average equity | $59,930,750 | 1,228 |
| Average total loans | $317,248,750 | 1,380 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7024% | 4,858 |
| Cost of funding earning assets | 0.0975% | 6,488 |
| Net interest margin | 3.6049% | 3,343 |
| Noninterest income to average assets | 0.3693% | 4,485 |
| Noninterest expense to average assets | 2.6962% | 3,882 |
| Loan and lease loss provision to assets | 0.1074% | 2,219 |
| Net operating income to assets | 0.6155% | 4,274 |
| Return on assets (ROA) | 0.6155% | 4,374 |
| Pretax return on assets | 0.9137% | 3,828 |
| Return on Equity (ROE) | 5.7759% | 4,289 |
| Retained earnings to average equity (ytd only) | 1.4104% | 5,180 |
| Net charge-offs to loans | -0.0039% | 5,141 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5330% | 3,236 |
| Assets per employee ($millions) | 5.9153% | 1,342 |
| Cash dividends to net income (ytd only)* | 75.5814% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6044% | 2,440 |
| Loan loss allowance to noncurrent loans | 66.2288% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 2.7157% | 974 |
| Noncurrent loans to loans | 2.4225% | 1,296 |
| Net loans and leases to total assets | 55.0499% | 4,403 |
| Net loans and leases to deposits | 62.9402% | 4,602 |
| Net loans and leases to core deposits | 68.9498% | 4,368 |
| Total domestic deposits to total assets | 87.4638% | 2,212 |
| Equity capital to assets | 10.8678% | 3,013 |
| Core capital (leverage) ratio | 10.9202% | 2,507 |
| Tier 1 risk-based capital ratio | 13.4924% | 4,589 |
| Total risk-based capital ratio | 14.6507% | 4,597 |
| Memoranda: | ||
| Average total assets | $558,853,670 | 1,195 |
| Average earning assets | $519,012,000 | 1,177 |
| Average equity | $59,558,330 | 1,228 |
| Average total loans | $308,391,000 | 1,401 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6705% | 4,943 |
| Cost of funding earning assets | 0.1026% | 6,557 |
| Net interest margin | 3.5679% | 3,401 |
| Noninterest income to average assets | 0.3484% | 4,588 |
| Noninterest expense to average assets | 2.7544% | 3,730 |
| Loan and lease loss provision to assets | 0.0714% | 2,714 |
| Net operating income to assets | 0.5790% | 4,305 |
| Return on assets (ROA) | 0.5790% | 4,374 |
| Pretax return on assets | 0.8503% | 3,901 |
| Return on Equity (ROE) | 5.4869% | 4,282 |
| Retained earnings to average equity (ytd only) | -3.3084% | 5,996 |
| Net charge-offs to loans | -0.0026% | 4,727 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9272% | 2,981 |
| Assets per employee ($millions) | 5.6873% | 1,546 |
| Cash dividends to net income (ytd only)* | 160.2959% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 2,847 |
| Loan loss allowance to noncurrent loans | 75.6885% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 2.5316% | 1,251 |
| Noncurrent loans to loans | 2.0705% | 1,787 |
| Net loans and leases to total assets | 54.4473% | 4,361 |
| Net loans and leases to deposits | 62.0701% | 4,538 |
| Net loans and leases to core deposits | 68.3090% | 4,275 |
| Total domestic deposits to total assets | 87.7191% | 2,399 |
| Equity capital to assets | 10.7164% | 3,020 |
| Core capital (leverage) ratio | 10.5491% | 2,872 |
| Tier 1 risk-based capital ratio | 13.2607% | 4,854 |
| Total risk-based capital ratio | 14.3709% | 4,874 |
| Memoranda: | ||
| Average total assets | $560,262,500 | 1,194 |
| Average earning assets | $522,543,500 | 1,171 |
| Average equity | $59,123,000 | 1,236 |
| Average total loans | $307,042,500 | 1,411 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7354% | 5,019 |
| Cost of funding earning assets | 0.1476% | 6,548 |
| Net interest margin | 3.5878% | 3,512 |
| Noninterest income to average assets | 0.3494% | 4,819 |
| Noninterest expense to average assets | 2.8619% | 3,487 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5853% | 4,333 |
| Return on assets (ROA) | 0.5875% | 4,432 |
| Pretax return on assets | 0.8225% | 4,065 |
| Return on Equity (ROE) | 5.5291% | 4,373 |
| Retained earnings to average equity (ytd only) | 3.1341% | 4,008 |
| Net charge-offs to loans | 0.1910% | 2,937 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 8.0644% | 2,737 |
| Efficiency ratio | 77.7405% | 2,501 |
| Assets per employee ($millions) | 5.6322% | 1,535 |
| Cash dividends to net income (ytd only)* | 43.3168% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 3,106 |
| Loan loss allowance to noncurrent loans | 73.9864% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 2.5022% | 1,369 |
| Noncurrent loans to loans | 2.0519% | 1,931 |
| Net loans and leases to total assets | 53.4835% | 4,654 |
| Net loans and leases to deposits | 60.7504% | 4,866 |
| Net loans and leases to core deposits | 66.4812% | 4,658 |
| Total domestic deposits to total assets | 88.0381% | 2,154 |
| Equity capital to assets | 10.3940% | 3,294 |
| Core capital (leverage) ratio | 10.1610% | 3,346 |
| Tier 1 risk-based capital ratio | 13.3427% | 4,754 |
| Total risk-based capital ratio | 14.4275% | 4,805 |
| Memoranda: | ||
| Average total assets | $550,124,800 | 1,205 |
| Average earning assets | $510,899,400 | 1,186 |
| Average equity | $58,454,400 | 1,235 |
| Average total loans | $292,615,000 | 1,450 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7544% | 5,017 |
| Cost of funding earning assets | 0.1556% | 6,615 |
| Net interest margin | 3.5988% | 3,454 |
| Noninterest income to average assets | 0.4107% | 4,445 |
| Noninterest expense to average assets | 2.8959% | 3,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6097% | 4,307 |
| Return on assets (ROA) | 0.6116% | 4,428 |
| Pretax return on assets | 0.8529% | 4,085 |
| Return on Equity (ROE) | 5.7233% | 4,331 |
| Retained earnings to average equity (ytd only) | 2.5208% | 4,808 |
| Net charge-offs to loans | 0.1636% | 2,922 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 9.8248% | 2,432 |
| Efficiency ratio | 77.3051% | 2,511 |
| Assets per employee ($millions) | 5.5663% | 1,568 |
| Cash dividends to net income (ytd only)* | 55.9552% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6550% | 2,779 |
| Loan loss allowance to noncurrent loans | 74.4558% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 2.6169% | 1,445 |
| Noncurrent loans to loans | 2.2228% | 1,990 |
| Net loans and leases to total assets | 51.1909% | 4,981 |
| Net loans and leases to deposits | 57.9486% | 5,201 |
| Net loans and leases to core deposits | 63.6964% | 4,927 |
| Total domestic deposits to total assets | 88.3384% | 1,924 |
| Equity capital to assets | 10.3161% | 3,483 |
| Core capital (leverage) ratio | 10.4440% | 3,068 |
| Tier 1 risk-based capital ratio | 13.4694% | 4,778 |
| Total risk-based capital ratio | 14.6252% | 4,792 |
| Memoranda: | ||
| Average total assets | $545,442,000 | 1,230 |
| Average earning assets | $505,532,000 | 1,216 |
| Average equity | $58,286,250 | 1,242 |
| Average total loans | $288,535,250 | 1,472 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7799% | 4,893 |
| Cost of funding earning assets | 0.1632% | 6,659 |
| Net interest margin | 3.6167% | 3,296 |
| Noninterest income to average assets | 0.4030% | 4,502 |
| Noninterest expense to average assets | 2.9465% | 3,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5714% | 4,447 |
| Return on assets (ROA) | 0.5714% | 4,619 |
| Pretax return on assets | 0.8178% | 4,245 |
| Return on Equity (ROE) | 5.2826% | 4,575 |
| Retained earnings to average equity (ytd only) | 0.4709% | 5,710 |
| Net charge-offs to loans | 0.2502% | 2,228 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.1453% | 2,764 |
| Efficiency ratio | 78.2738% | 2,411 |
| Assets per employee ($millions) | 5.1378% | 1,951 |
| Cash dividends to net income (ytd only)* | 91.0865% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6421% | 3,006 |
| Loan loss allowance to noncurrent loans | 71.7618% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 2.8105% | 1,468 |
| Noncurrent loans to loans | 2.2882% | 2,070 |
| Net loans and leases to total assets | 54.3176% | 4,541 |
| Net loans and leases to deposits | 61.8076% | 4,764 |
| Net loans and leases to core deposits | 68.5856% | 4,441 |
| Total domestic deposits to total assets | 87.8817% | 2,329 |
| Equity capital to assets | 10.6550% | 3,110 |
| Core capital (leverage) ratio | 10.7778% | 2,590 |
| Tier 1 risk-based capital ratio | 13.5523% | 4,741 |
| Total risk-based capital ratio | 14.7339% | 4,736 |
| Memoranda: | ||
| Average total assets | $538,001,670 | 1,248 |
| Average earning assets | $500,009,330 | 1,228 |
| Average equity | $58,191,330 | 1,245 |
| Average total loans | $286,202,330 | 1,478 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7552% | 4,976 |
| Cost of funding earning assets | 0.1724% | 6,711 |
| Net interest margin | 3.5828% | 3,330 |
| Noninterest income to average assets | 0.4005% | 4,452 |
| Noninterest expense to average assets | 2.9892% | 3,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5331% | 4,525 |
| Return on assets (ROA) | 0.5331% | 4,671 |
| Pretax return on assets | 0.7386% | 4,416 |
| Return on Equity (ROE) | 4.8918% | 4,635 |
| Retained earnings to average equity (ytd only) | -4.6732% | 6,340 |
| Net charge-offs to loans | -0.0157% | 5,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1877% | 2,312 |
| Assets per employee ($millions) | 4.9982% | 2,211 |
| Cash dividends to net income (ytd only)* | 195.5307% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8442% | 2,466 |
| Loan loss allowance to noncurrent loans | 98.3016% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 2.6071% | 1,751 |
| Noncurrent loans to loans | 1.8760% | 2,764 |
| Net loans and leases to total assets | 52.4180% | 4,638 |
| Net loans and leases to deposits | 59.7114% | 4,829 |
| Net loans and leases to core deposits | 66.3474% | 4,489 |
| Total domestic deposits to total assets | 87.7855% | 2,469 |
| Equity capital to assets | 10.8793% | 3,100 |
| Core capital (leverage) ratio | 10.7260% | 2,520 |
| Tier 1 risk-based capital ratio | 14.3768% | 4,255 |
| Total risk-based capital ratio | 15.6285% | 4,220 |
| Memoranda: | ||
| Average total assets | $537,266,500 | 1,260 |
| Average earning assets | $498,935,000 | 1,241 |
| Average equity | $58,546,500 | 1,248 |
| Average total loans | $280,343,500 | 1,520 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2164% | 4,525 |
| Cost of funding earning assets | 0.2833% | 6,534 |
| Net interest margin | 3.9331% | 2,680 |
| Noninterest income to average assets | 0.3654% | 4,865 |
| Noninterest expense to average assets | 3.0425% | 3,123 |
| Loan and lease loss provision to assets | 0.0444% | 5,294 |
| Net operating income to assets | 0.6210% | 4,139 |
| Return on assets (ROA) | 0.6708% | 4,147 |
| Pretax return on assets | 0.9784% | 3,625 |
| Return on Equity (ROE) | 5.8936% | 4,228 |
| Retained earnings to average equity (ytd only) | 3.5549% | 3,714 |
| Net charge-offs to loans | 0.1553% | 4,149 |
| Credit loss provision to net charge-offs | 52.6932% | 4,625 |
| Earnings coverage of net charge-offs (x) | 11.2904% | 2,051 |
| Efficiency ratio | 76.1938% | 2,713 |
| Assets per employee ($millions) | 4.8190% | 2,465 |
| Cash dividends to net income (ytd only)* | 39.6825% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9110% | 2,266 |
| Loan loss allowance to noncurrent loans | 109.7266% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 2.4746% | 1,973 |
| Noncurrent loans to loans | 1.7416% | 3,001 |
| Net loans and leases to total assets | 49.9935% | 5,166 |
| Net loans and leases to deposits | 56.8939% | 5,348 |
| Net loans and leases to core deposits | 62.8101% | 5,080 |
| Total domestic deposits to total assets | 87.8714% | 2,309 |
| Equity capital to assets | 10.9148% | 3,052 |
| Core capital (leverage) ratio | 10.6245% | 2,628 |
| Tier 1 risk-based capital ratio | 15.1959% | 3,614 |
| Total risk-based capital ratio | 16.4485% | 3,558 |
| Memoranda: | ||
| Average total assets | $507,153,200 | 1,318 |
| Average earning assets | $467,772,600 | 1,306 |
| Average equity | $57,723,600 | 1,229 |
| Average total loans | $274,993,200 | 1,512 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2802% | 4,528 |
| Cost of funding earning assets | 0.3064% | 6,586 |
| Net interest margin | 3.9738% | 2,607 |
| Noninterest income to average assets | 0.3679% | 4,890 |
| Noninterest expense to average assets | 3.0689% | 2,983 |
| Loan and lease loss provision to assets | 0.0601% | 4,969 |
| Net operating income to assets | 0.6154% | 4,322 |
| Return on assets (ROA) | 0.6819% | 4,258 |
| Pretax return on assets | 0.9963% | 3,731 |
| Return on Equity (ROE) | 5.9251% | 4,365 |
| Retained earnings to average equity (ytd only) | 2.7907% | 4,878 |
| Net charge-offs to loans | 0.1726% | 3,719 |
| Credit loss provision to net charge-offs | 63.2022% | 4,068 |
| Earnings coverage of net charge-offs (x) | 10.0788% | 2,228 |
| Efficiency ratio | 76.1974% | 2,647 |
| Assets per employee ($millions) | 4.8155% | 2,423 |
| Cash dividends to net income (ytd only)* | 52.8999% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8726% | 2,571 |
| Loan loss allowance to noncurrent loans | 111.4572% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 2.5967% | 2,034 |
| Noncurrent loans to loans | 1.6801% | 3,274 |
| Net loans and leases to total assets | 53.2201% | 4,870 |
| Net loans and leases to deposits | 60.7043% | 5,124 |
| Net loans and leases to core deposits | 66.9621% | 4,844 |
| Total domestic deposits to total assets | 87.6710% | 2,247 |
| Equity capital to assets | 11.1337% | 3,115 |
| Core capital (leverage) ratio | 11.1306% | 2,272 |
| Tier 1 risk-based capital ratio | 14.6243% | 4,098 |
| Total risk-based capital ratio | 15.8787% | 4,065 |
| Memoranda: | ||
| Average total assets | $499,010,000 | 1,358 |
| Average earning assets | $459,560,000 | 1,344 |
| Average equity | $57,427,000 | 1,247 |
| Average total loans | $274,970,250 | 1,522 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3520% | 4,371 |
| Cost of funding earning assets | 0.3335% | 6,585 |
| Net interest margin | 4.0185% | 2,424 |
| Noninterest income to average assets | 0.3597% | 4,962 |
| Noninterest expense to average assets | 3.0768% | 2,993 |
| Loan and lease loss provision to assets | 0.0918% | 4,421 |
| Net operating income to assets | 0.6145% | 4,320 |
| Return on assets (ROA) | 0.6477% | 4,375 |
| Pretax return on assets | 0.9348% | 3,942 |
| Return on Equity (ROE) | 5.5632% | 4,551 |
| Retained earnings to average equity (ytd only) | 0.8338% | 5,730 |
| Net charge-offs to loans | 0.1237% | 3,938 |
| Credit loss provision to net charge-offs | 133.9286% | 2,050 |
| Earnings coverage of net charge-offs (x) | 14.2798% | 1,724 |
| Efficiency ratio | 75.8725% | 2,761 |
| Assets per employee ($millions) | 4.5680% | 2,775 |
| Cash dividends to net income (ytd only)* | 85.0126% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0086% | 2,204 |
| Loan loss allowance to noncurrent loans | 157.2854% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 2.6598% | 2,077 |
| Noncurrent loans to loans | 1.2771% | 4,001 |
| Net loans and leases to total assets | 53.5539% | 4,872 |
| Net loans and leases to deposits | 64.3061% | 4,721 |
| Net loans and leases to core deposits | 72.3587% | 4,255 |
| Total domestic deposits to total assets | 83.2796% | 4,633 |
| Equity capital to assets | 11.4207% | 2,671 |
| Core capital (leverage) ratio | 11.2185% | 2,108 |
| Tier 1 risk-based capital ratio | 14.7172% | 3,955 |
| Total risk-based capital ratio | 15.9726% | 3,911 |
| Memoranda: | ||
| Average total assets | $490,382,670 | 1,373 |
| Average earning assets | $450,965,000 | 1,371 |
| Average equity | $57,089,330 | 1,252 |
| Average total loans | $271,734,000 | 1,541 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4327% | 4,189 |
| Cost of funding earning assets | 0.3553% | 6,617 |
| Net interest margin | 4.0774% | 2,184 |
| Noninterest income to average assets | 0.3427% | 5,116 |
| Noninterest expense to average assets | 3.2011% | 2,594 |
| Loan and lease loss provision to assets | 0.1239% | 3,794 |
| Net operating income to assets | 0.5593% | 4,547 |
| Return on assets (ROA) | 0.5822% | 4,650 |
| Pretax return on assets | 0.7928% | 4,437 |
| Return on Equity (ROE) | 4.9525% | 4,809 |
| Retained earnings to average equity (ytd only) | -4.5310% | 6,549 |
| Net charge-offs to loans | 0.1347% | 3,298 |
| Credit loss provision to net charge-offs | 164.8352% | 1,544 |
| Earnings coverage of net charge-offs (x) | 11.7802% | 1,646 |
| Efficiency ratio | 78.3347% | 2,448 |
| Assets per employee ($millions) | 4.5087% | 2,978 |
| Cash dividends to net income (ytd only)* | 191.4894% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0939% | 2,113 |
| Loan loss allowance to noncurrent loans | 176.5645% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 2.5981% | 2,277 |
| Noncurrent loans to loans | 1.1859% | 4,352 |
| Net loans and leases to total assets | 52.6134% | 4,933 |
| Net loans and leases to deposits | 63.3817% | 4,716 |
| Net loans and leases to core deposits | 71.5935% | 4,210 |
| Total domestic deposits to total assets | 83.0104% | 4,923 |
| Equity capital to assets | 11.5177% | 2,428 |
| Core capital (leverage) ratio | 11.3960% | 1,963 |
| Tier 1 risk-based capital ratio | 15.3593% | 3,526 |
| Total risk-based capital ratio | 16.6160% | 3,482 |
| Memoranda: | ||
| Average total assets | $484,332,500 | 1,395 |
| Average earning assets | $444,695,000 | 1,387 |
| Average equity | $56,940,500 | 1,246 |
| Average total loans | $270,293,500 | 1,553 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6100% | 4,639 |
| Cost of funding earning assets | 0.4328% | 6,792 |
| Net interest margin | 4.1772% | 2,131 |
| Noninterest income to average assets | 0.2495% | 5,747 |
| Noninterest expense to average assets | 3.0464% | 3,410 |
| Loan and lease loss provision to assets | 0.2304% | 3,895 |
| Net operating income to assets | 0.5767% | 4,113 |
| Return on assets (ROA) | 0.5767% | 4,296 |
| Pretax return on assets | 0.8204% | 3,910 |
| Return on Equity (ROE) | 4.9534% | 4,415 |
| Retained earnings to average equity (ytd only) | 3.6490% | 3,613 |
| Net charge-offs to loans | 0.3879% | 3,471 |
| Credit loss provision to net charge-offs | 104.3643% | 3,292 |
| Earnings coverage of net charge-offs (x) | 4.7590% | 2,984 |
| Efficiency ratio | 74.3532% | 3,164 |
| Assets per employee ($millions) | 4.4187% | 3,040 |
| Cash dividends to net income (ytd only)* | 26.3349% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9784% | 2,347 |
| Loan loss allowance to noncurrent loans | 577.6135% | 613 |
| Noncurrent assets plus other real estate owned to assets | 2.2398% | 2,692 |
| Noncurrent loans to loans | 0.3425% | 6,045 |
| Net loans and leases to total assets | 56.7916% | 4,577 |
| Net loans and leases to deposits | 69.0877% | 4,263 |
| Net loans and leases to core deposits | 75.9987% | 3,981 |
| Total domestic deposits to total assets | 82.2022% | 5,058 |
| Equity capital to assets | 12.0024% | 2,123 |
| Core capital (leverage) ratio | 10.9998% | 2,270 |
| Tier 1 risk-based capital ratio | 14.5835% | 3,912 |
| Total risk-based capital ratio | 15.8394% | 3,890 |
| Memoranda: | ||
| Average total assets | $477,344,200 | 1,389 |
| Average earning assets | $439,696,000 | 1,379 |
| Average equity | $55,577,600 | 1,224 |
| Average total loans | $271,703,400 | 1,555 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5624% | 5,026 |
| Cost of funding earning assets | 0.4493% | 6,882 |
| Net interest margin | 4.1131% | 2,422 |
| Noninterest income to average assets | 0.2877% | 5,551 |
| Noninterest expense to average assets | 3.0083% | 3,529 |
| Loan and lease loss provision to assets | 0.3072% | 3,072 |
| Net operating income to assets | 0.5407% | 4,361 |
| Return on assets (ROA) | 0.5407% | 4,543 |
| Pretax return on assets | 0.7664% | 4,253 |
| Return on Equity (ROE) | 4.6802% | 4,678 |
| Retained earnings to average equity (ytd only) | 2.9276% | 4,598 |
| Net charge-offs to loans | 0.5185% | 2,682 |
| Credit loss provision to net charge-offs | 104.5627% | 3,185 |
| Earnings coverage of net charge-offs (x) | 3.6540% | 3,349 |
| Efficiency ratio | 73.6983% | 3,238 |
| Assets per employee ($millions) | 4.5821% | 2,785 |
| Cash dividends to net income (ytd only)* | 37.4482% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9988% | 2,344 |
| Loan loss allowance to noncurrent loans | 337.3153% | 949 |
| Noncurrent assets plus other real estate owned to assets | 2.3260% | 2,758 |
| Noncurrent loans to loans | 0.5926% | 5,689 |
| Net loans and leases to total assets | 54.7822% | 5,033 |
| Net loans and leases to deposits | 66.6006% | 4,812 |
| Net loans and leases to core deposits | 73.7766% | 4,488 |
| Total domestic deposits to total assets | 82.2548% | 4,985 |
| Equity capital to assets | 11.5019% | 2,681 |
| Core capital (leverage) ratio | 11.0507% | 2,344 |
| Tier 1 risk-based capital ratio | 14.6060% | 3,900 |
| Total risk-based capital ratio | 15.8623% | 3,870 |
| Memoranda: | ||
| Average total assets | $477,374,750 | 1,398 |
| Average earning assets | $440,372,500 | 1,386 |
| Average equity | $55,152,500 | 1,229 |
| Average total loans | $270,506,250 | 1,580 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5698% | 5,102 |
| Cost of funding earning assets | 0.4725% | 6,939 |
| Net interest margin | 4.0973% | 2,419 |
| Noninterest income to average assets | 0.3230% | 5,311 |
| Noninterest expense to average assets | 3.1006% | 3,255 |
| Loan and lease loss provision to assets | 0.2959% | 3,035 |
| Net operating income to assets | 0.5200% | 4,415 |
| Return on assets (ROA) | 0.5200% | 4,556 |
| Pretax return on assets | 0.7098% | 4,351 |
| Return on Equity (ROE) | 4.4940% | 4,703 |
| Retained earnings to average equity (ytd only) | 1.8451% | 5,064 |
| Net charge-offs to loans | 0.5837% | 2,361 |
| Credit loss provision to net charge-offs | 89.0585% | 3,482 |
| Earnings coverage of net charge-offs (x) | 3.0267% | 3,342 |
| Efficiency ratio | 75.5071% | 3,101 |
| Assets per employee ($millions) | 4.2648% | 3,227 |
| Cash dividends to net income (ytd only)* | 58.9431% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0336% | 2,275 |
| Loan loss allowance to noncurrent loans | 263.6723% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 2.7051% | 2,474 |
| Noncurrent loans to loans | 0.7713% | 5,370 |
| Net loans and leases to total assets | 55.3580% | 5,094 |
| Net loans and leases to deposits | 67.1106% | 4,836 |
| Net loans and leases to core deposits | 75.0947% | 4,420 |
| Total domestic deposits to total assets | 82.4877% | 4,993 |
| Equity capital to assets | 11.9065% | 2,158 |
| Core capital (leverage) ratio | 11.1447% | 2,148 |
| Tier 1 risk-based capital ratio | 15.1112% | 3,443 |
| Total risk-based capital ratio | 16.3655% | 3,405 |
| Memoranda: | ||
| Average total assets | $473,071,330 | 1,420 |
| Average earning assets | $436,819,670 | 1,404 |
| Average equity | $54,739,330 | 1,231 |
| Average total loans | $269,319,330 | 1,603 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5150% | 5,287 |
| Cost of funding earning assets | 0.4964% | 6,980 |
| Net interest margin | 4.0185% | 2,611 |
| Noninterest income to average assets | 0.3018% | 5,507 |
| Noninterest expense to average assets | 3.1477% | 3,079 |
| Loan and lease loss provision to assets | 0.2515% | 3,142 |
| Net operating income to assets | 0.4803% | 4,574 |
| Return on assets (ROA) | 0.4803% | 4,651 |
| Pretax return on assets | 0.6212% | 4,600 |
| Return on Equity (ROE) | 4.2106% | 4,793 |
| Retained earnings to average equity (ytd only) | -1.1169% | 6,010 |
| Net charge-offs to loans | 0.9082% | 1,464 |
| Credit loss provision to net charge-offs | 48.4653% | 3,783 |
| Earnings coverage of net charge-offs (x) | 1.6817% | 3,472 |
| Efficiency ratio | 78.2944% | 2,798 |
| Assets per employee ($millions) | 4.6336% | 2,687 |
| Cash dividends to net income (ytd only)* | 126.5271% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8704% | 2,789 |
| Loan loss allowance to noncurrent loans | 190.1262% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 2.6298% | 2,614 |
| Noncurrent loans to loans | 0.9838% | 5,073 |
| Net loans and leases to total assets | 56.8564% | 4,832 |
| Net loans and leases to deposits | 67.7923% | 4,706 |
| Net loans and leases to core deposits | 75.7361% | 4,334 |
| Total domestic deposits to total assets | 83.8685% | 4,541 |
| Equity capital to assets | 11.4938% | 2,274 |
| Core capital (leverage) ratio | 10.8819% | 2,277 |
| Tier 1 risk-based capital ratio | 14.6546% | 3,639 |
| Total risk-based capital ratio | 15.8909% | 3,604 |
| Memoranda: | ||
| Average total assets | $477,175,500 | 1,415 |
| Average earning assets | $441,554,000 | 1,399 |
| Average equity | $54,434,500 | 1,228 |
| Average total loans | $272,638,500 | 1,609 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7749% | 5,508 |
| Cost of funding earning assets | 0.6538% | 6,998 |
| Net interest margin | 4.1211% | 2,476 |
| Noninterest income to average assets | 0.3566% | 5,260 |
| Noninterest expense to average assets | 3.2061% | 3,067 |
| Loan and lease loss provision to assets | 0.2962% | 4,429 |
| Net operating income to assets | 0.5158% | 4,018 |
| Return on assets (ROA) | 0.5326% | 4,106 |
| Pretax return on assets | 0.6809% | 4,042 |
| Return on Equity (ROE) | 4.4975% | 4,301 |
| Retained earnings to average equity (ytd only) | 4.4975% | 2,725 |
| Net charge-offs to loans | 0.2597% | 4,735 |
| Credit loss provision to net charge-offs | 190.9477% | 1,685 |
| Earnings coverage of net charge-offs (x) | 6.1598% | 2,425 |
| Efficiency ratio | 76.5739% | 2,951 |
| Assets per employee ($millions) | 4.6319% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0023% | 2,296 |
| Loan loss allowance to noncurrent loans | 136.0451% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 2.8336% | 2,474 |
| Noncurrent loans to loans | 1.4718% | 4,277 |
| Net loans and leases to total assets | 55.2186% | 5,452 |
| Net loans and leases to deposits | 66.4568% | 5,341 |
| Net loans and leases to core deposits | 74.1935% | 4,956 |
| Total domestic deposits to total assets | 83.0894% | 4,759 |
| Equity capital to assets | 11.3231% | 2,393 |
| Core capital (leverage) ratio | 11.0875% | 2,094 |
| Tier 1 risk-based capital ratio | 15.3660% | 3,060 |
| Total risk-based capital ratio | 16.6237% | 3,014 |
| Memoranda: | ||
| Average total assets | $455,725,400 | 1,457 |
| Average earning assets | $420,781,600 | 1,438 |
| Average equity | $53,963,200 | 1,238 |
| Average total loans | $272,220,200 | 1,638 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8351% | 5,526 |
| Cost of funding earning assets | 0.6848% | 7,099 |
| Net interest margin | 4.1503% | 2,403 |
| Noninterest income to average assets | 0.4280% | 4,738 |
| Noninterest expense to average assets | 3.2434% | 2,762 |
| Loan and lease loss provision to assets | 0.3116% | 4,084 |
| Net operating income to assets | 0.5397% | 4,137 |
| Return on assets (ROA) | 0.5624% | 4,207 |
| Pretax return on assets | 0.7245% | 4,160 |
| Return on Equity (ROE) | 4.6948% | 4,454 |
| Retained earnings to average equity (ytd only) | 4.6948% | 3,200 |
| Net charge-offs to loans | 0.3005% | 4,162 |
| Credit loss provision to net charge-offs | 171.0098% | 2,168 |
| Earnings coverage of net charge-offs (x) | 5.5260% | 2,728 |
| Efficiency ratio | 75.8048% | 2,987 |
| Assets per employee ($millions) | 4.3013% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9419% | 2,374 |
| Loan loss allowance to noncurrent loans | 206.4848% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 2.7284% | 2,658 |
| Noncurrent loans to loans | 0.9404% | 5,350 |
| Net loans and leases to total assets | 57.2956% | 5,364 |
| Net loans and leases to deposits | 70.0583% | 5,137 |
| Net loans and leases to core deposits | 78.5973% | 4,725 |
| Total domestic deposits to total assets | 81.7827% | 5,084 |
| Equity capital to assets | 11.9044% | 2,222 |
| Core capital (leverage) ratio | 11.5645% | 1,901 |
| Tier 1 risk-based capital ratio | 15.3299% | 3,084 |
| Total risk-based capital ratio | 16.5839% | 3,047 |
| Memoranda: | ||
| Average total assets | $449,226,250 | 1,505 |
| Average earning assets | $413,742,000 | 1,489 |
| Average equity | $53,817,500 | 1,242 |
| Average total loans | $272,416,500 | 1,656 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8513% | 5,603 |
| Cost of funding earning assets | 0.7227% | 7,137 |
| Net interest margin | 4.1286% | 2,436 |
| Noninterest income to average assets | 0.4058% | 4,862 |
| Noninterest expense to average assets | 3.1920% | 2,928 |
| Loan and lease loss provision to assets | 0.4489% | 3,079 |
| Net operating income to assets | 0.4572% | 4,517 |
| Return on assets (ROA) | 0.4924% | 4,523 |
| Pretax return on assets | 0.6118% | 4,529 |
| Return on Equity (ROE) | 4.1014% | 4,736 |
| Retained earnings to average equity (ytd only) | 4.1014% | 3,469 |
| Net charge-offs to loans | 0.3692% | 3,507 |
| Credit loss provision to net charge-offs | 198.0198% | 1,994 |
| Earnings coverage of net charge-offs (x) | 4.4851% | 2,940 |
| Efficiency ratio | 75.3306% | 3,200 |
| Assets per employee ($millions) | 4.0696% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9634% | 2,270 |
| Loan loss allowance to noncurrent loans | 232.1319% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 2.7483% | 2,634 |
| Noncurrent loans to loans | 0.8458% | 5,579 |
| Net loans and leases to total assets | 58.9053% | 5,264 |
| Net loans and leases to deposits | 72.1501% | 4,964 |
| Net loans and leases to core deposits | 81.2334% | 4,520 |
| Total domestic deposits to total assets | 81.6426% | 5,131 |
| Equity capital to assets | 12.1510% | 2,013 |
| Core capital (leverage) ratio | 11.5165% | 1,910 |
| Tier 1 risk-based capital ratio | 14.9342% | 3,187 |
| Total risk-based capital ratio | 16.1881% | 3,155 |
| Memoranda: | ||
| Average total assets | $445,557,000 | 1,535 |
| Average earning assets | $410,401,330 | 1,511 |
| Average equity | $53,494,000 | 1,244 |
| Average total loans | $273,583,330 | 1,673 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8202% | 5,814 |
| Cost of funding earning assets | 0.7824% | 7,145 |
| Net interest margin | 4.0378% | 2,709 |
| Noninterest income to average assets | 0.4292% | 4,670 |
| Noninterest expense to average assets | 3.1963% | 2,880 |
| Loan and lease loss provision to assets | 0.5399% | 2,344 |
| Net operating income to assets | 0.3743% | 4,953 |
| Return on assets (ROA) | 0.4463% | 4,760 |
| Pretax return on assets | 0.5084% | 4,929 |
| Return on Equity (ROE) | 3.7403% | 5,017 |
| Retained earnings to average equity (ytd only) | 3.7403% | 3,911 |
| Net charge-offs to loans | 0.3364% | 3,063 |
| Credit loss provision to net charge-offs | 258.6207% | 1,506 |
| Earnings coverage of net charge-offs (x) | 4.6293% | 2,587 |
| Efficiency ratio | 76.2646% | 3,173 |
| Assets per employee ($millions) | 4.0689% | 3,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 2,512 |
| Loan loss allowance to noncurrent loans | 83.5254% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 2.9722% | 2,417 |
| Noncurrent loans to loans | 2.2469% | 3,460 |
| Net loans and leases to total assets | 61.2274% | 4,902 |
| Net loans and leases to deposits | 73.6906% | 4,794 |
| Net loans and leases to core deposits | 85.8604% | 3,920 |
| Total domestic deposits to total assets | 83.0870% | 4,578 |
| Equity capital to assets | 12.1592% | 1,953 |
| Core capital (leverage) ratio | 11.3461% | 2,001 |
| Tier 1 risk-based capital ratio | 14.4703% | 3,395 |
| Total risk-based capital ratio | 15.7236% | 3,363 |
| Memoranda: | ||
| Average total assets | $444,510,000 | 1,580 |
| Average earning assets | $411,020,500 | 1,541 |
| Average equity | $53,044,000 | 1,265 |
| Average total loans | $275,889,500 | 1,702 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1073% | 6,060 |
| Cost of funding earning assets | 1.0863% | 7,017 |
| Net interest margin | 4.0209% | 2,778 |
| Noninterest income to average assets | 0.5182% | 4,275 |
| Noninterest expense to average assets | 3.2580% | 3,157 |
| Loan and lease loss provision to assets | 0.5701% | 3,528 |
| Net operating income to assets | 0.3694% | 4,251 |
| Return on assets (ROA) | 0.3876% | 4,279 |
| Pretax return on assets | 0.4390% | 4,375 |
| Return on Equity (ROE) | 3.2571% | 4,392 |
| Retained earnings to average equity (ytd only) | 3.2571% | 2,878 |
| Net charge-offs to loans | 1.0770% | 2,267 |
| Credit loss provision to net charge-offs | 79.0988% | 6,306 |
| Earnings coverage of net charge-offs (x) | 1.3714% | 4,763 |
| Efficiency ratio | 76.2042% | 3,492 |
| Assets per employee ($millions) | 4.1246% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7228% | 2,822 |
| Loan loss allowance to noncurrent loans | 59.4259% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 3.0124% | 2,323 |
| Noncurrent loans to loans | 2.8991% | 2,664 |
| Net loans and leases to total assets | 60.6774% | 5,238 |
| Net loans and leases to deposits | 73.0243% | 5,187 |
| Net loans and leases to core deposits | 96.9958% | 4,350 |
| Total domestic deposits to total assets | 83.0921% | 4,484 |
| Equity capital to assets | 11.7121% | 2,180 |
| Core capital (leverage) ratio | 10.9347% | 2,262 |
| Tier 1 risk-based capital ratio | 13.4327% | 3,865 |
| Total risk-based capital ratio | 14.6016% | 3,859 |
| Memoranda: | ||
| Average total assets | $434,158,200 | 1,594 |
| Average earning assets | $402,543,400 | 1,577 |
| Average equity | $51,671,000 | 1,291 |
| Average total loans | $290,516,400 | 1,652 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1613% | 6,061 |
| Cost of funding earning assets | 1.1289% | 7,101 |
| Net interest margin | 4.0324% | 2,671 |
| Noninterest income to average assets | 0.5302% | 4,237 |
| Noninterest expense to average assets | 3.3142% | 2,855 |
| Loan and lease loss provision to assets | 0.3951% | 3,944 |
| Net operating income to assets | 0.4555% | 4,175 |
| Return on assets (ROA) | 0.4781% | 4,179 |
| Pretax return on assets | 0.5887% | 4,213 |
| Return on Equity (ROE) | 4.0005% | 4,372 |
| Retained earnings to average equity (ytd only) | 4.0005% | 3,041 |
| Net charge-offs to loans | 0.3808% | 3,745 |
| Credit loss provision to net charge-offs | 151.9666% | 3,148 |
| Earnings coverage of net charge-offs (x) | 3.6770% | 3,427 |
| Efficiency ratio | 77.0916% | 3,303 |
| Assets per employee ($millions) | 4.1063% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0651% | 1,660 |
| Loan loss allowance to noncurrent loans | 53.1454% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 3.8969% | 1,647 |
| Noncurrent loans to loans | 3.8858% | 1,902 |
| Net loans and leases to total assets | 61.5547% | 5,317 |
| Net loans and leases to deposits | 74.5968% | 5,281 |
| Net loans and leases to core deposits | 99.9217% | 4,380 |
| Total domestic deposits to total assets | 82.5166% | 4,442 |
| Equity capital to assets | 11.6910% | 2,442 |
| Core capital (leverage) ratio | 11.4477% | 2,100 |
| Tier 1 risk-based capital ratio | 13.5859% | 3,786 |
| Total risk-based capital ratio | 14.7544% | 3,782 |
| Memoranda: | ||
| Average total assets | $430,303,750 | 1,621 |
| Average earning assets | $399,087,500 | 1,609 |
| Average equity | $51,425,000 | 1,316 |
| Average total loans | $293,752,250 | 1,652 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2579% | 5,833 |
| Cost of funding earning assets | 1.1580% | 7,223 |
| Net interest margin | 4.0999% | 2,322 |
| Noninterest income to average assets | 0.5421% | 4,098 |
| Noninterest expense to average assets | 3.3792% | 2,692 |
| Loan and lease loss provision to assets | 0.1536% | 5,537 |
| Net operating income to assets | 0.6013% | 3,667 |
| Return on assets (ROA) | 0.6257% | 3,671 |
| Pretax return on assets | 0.8474% | 3,519 |
| Return on Equity (ROE) | 5.1958% | 3,990 |
| Retained earnings to average equity (ytd only) | 5.1958% | 2,396 |
| Net charge-offs to loans | 0.2572% | 3,903 |
| Credit loss provision to net charge-offs | 85.0785% | 5,061 |
| Earnings coverage of net charge-offs (x) | 5.3613% | 2,850 |
| Efficiency ratio | 77.2124% | 3,475 |
| Assets per employee ($millions) | 3.9347% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8557% | 1,893 |
| Loan loss allowance to noncurrent loans | 73.9029% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 3.0710% | 2,056 |
| Noncurrent loans to loans | 2.5110% | 2,881 |
| Net loans and leases to total assets | 65.6426% | 4,636 |
| Net loans and leases to deposits | 79.5493% | 4,614 |
| Net loans and leases to core deposits | 106.1144% | 3,832 |
| Total domestic deposits to total assets | 82.5182% | 4,469 |
| Equity capital to assets | 11.9745% | 2,220 |
| Core capital (leverage) ratio | 11.8988% | 1,874 |
| Tier 1 risk-based capital ratio | 13.3235% | 3,920 |
| Total risk-based capital ratio | 14.4830% | 3,896 |
| Memoranda: | ||
| Average total assets | $423,173,000 | 1,676 |
| Average earning assets | $392,739,330 | 1,653 |
| Average equity | $50,964,000 | 1,343 |
| Average total loans | $297,035,330 | 1,670 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3223% | 5,799 |
| Cost of funding earning assets | 1.1920% | 7,316 |
| Net interest margin | 4.1303% | 2,166 |
| Noninterest income to average assets | 0.4733% | 4,564 |
| Noninterest expense to average assets | 3.1706% | 3,108 |
| Loan and lease loss provision to assets | 0.1195% | 5,433 |
| Net operating income to assets | 0.7152% | 3,476 |
| Return on assets (ROA) | 0.7620% | 3,465 |
| Pretax return on assets | 1.0833% | 3,052 |
| Return on Equity (ROE) | 6.3089% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.3089% | 2,495 |
| Net charge-offs to loans | 0.2713% | 3,040 |
| Credit loss provision to net charge-offs | 61.2745% | 4,495 |
| Earnings coverage of net charge-offs (x) | 5.8235% | 2,600 |
| Efficiency ratio | 73.0906% | 3,993 |
| Assets per employee ($millions) | 3.7186% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8026% | 1,843 |
| Loan loss allowance to noncurrent loans | 165.7683% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 2.0412% | 2,835 |
| Noncurrent loans to loans | 1.0874% | 4,811 |
| Net loans and leases to total assets | 69.3700% | 3,828 |
| Net loans and leases to deposits | 83.7675% | 4,018 |
| Net loans and leases to core deposits | 111.1681% | 3,293 |
| Total domestic deposits to total assets | 82.8126% | 4,238 |
| Equity capital to assets | 12.1775% | 2,153 |
| Core capital (leverage) ratio | 12.2593% | 1,780 |
| Tier 1 risk-based capital ratio | 13.4369% | 3,908 |
| Total risk-based capital ratio | 14.6038% | 3,872 |
| Memoranda: | ||
| Average total assets | $418,349,000 | 1,704 |
| Average earning assets | $388,250,000 | 1,684 |
| Average equity | $50,532,000 | 1,358 |
| Average total loans | $300,809,500 | 1,663 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0382% | 5,373 |
| Cost of funding earning assets | 1.7030% | 7,255 |
| Net interest margin | 4.3352% | 1,873 |
| Noninterest income to average assets | 0.4540% | 5,008 |
| Noninterest expense to average assets | 3.3398% | 2,841 |
| Loan and lease loss provision to assets | 0.3429% | 3,651 |
| Net operating income to assets | 0.5866% | 4,363 |
| Return on assets (ROA) | 0.4468% | 4,787 |
| Pretax return on assets | 0.6068% | 4,670 |
| Return on Equity (ROE) | 3.6946% | 4,951 |
| Retained earnings to average equity (ytd only) | 3.6946% | 2,848 |
| Net charge-offs to loans | 0.2086% | 4,119 |
| Credit loss provision to net charge-offs | 226.3072% | 2,100 |
| Earnings coverage of net charge-offs (x) | 7.5147% | 3,093 |
| Efficiency ratio | 74.0464% | 3,564 |
| Assets per employee ($millions) | 3.8564% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7823% | 1,670 |
| Loan loss allowance to noncurrent loans | 64.6359% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 2.0502% | 2,400 |
| Noncurrent loans to loans | 2.7575% | 1,968 |
| Net loans and leases to total assets | 71.8715% | 3,617 |
| Net loans and leases to deposits | 86.4760% | 4,044 |
| Net loans and leases to core deposits | 110.5521% | 3,727 |
| Total domestic deposits to total assets | 83.1115% | 3,722 |
| Equity capital to assets | 11.9795% | 2,303 |
| Core capital (leverage) ratio | 11.8740% | 2,039 |
| Tier 1 risk-based capital ratio | 13.2192% | 3,983 |
| Total risk-based capital ratio | 14.3921% | 3,945 |
| Memoranda: | ||
| Average total assets | $403,944,200 | 1,688 |
| Average earning assets | $374,977,200 | 1,654 |
| Average equity | $48,855,000 | 1,400 |
| Average total loans | $293,369,000 | 1,646 |