Home > Small Town Bank > Performance and Condition Ratios
Small Town Bank, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 3,071 |
| Cost of funding earning assets | 0.5080% | 4,083 |
| Net interest margin | 3.9733% | 2,004 |
| Noninterest income to average assets | 0.4298% | 3,069 |
| Noninterest expense to average assets | 2.9169% | 2,239 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9416% | 3,122 |
| Return on assets (ROA) | 0.9416% | 3,191 |
| Pretax return on assets | 1.1758% | 3,000 |
| Return on Equity (ROE) | 5.8358% | 4,103 |
| Retained earnings to average equity (ytd only) | -0.4353% | 4,758 |
| Net charge-offs to loans | 0.1361% | 1,114 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 17.7975% | 1,879 |
| Efficiency ratio | 71.2709% | 2,023 |
| Assets per employee ($millions) | 4.3748% | 3,325 |
| Cash dividends to net income (ytd only)* | 107.4600% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 2,199 |
| Loan loss allowance to noncurrent loans | 169.9441% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 2,753 |
| Noncurrent loans to loans | 0.7409% | 2,137 |
| Net loans and leases to total assets | 49.5711% | 4,490 |
| Net loans and leases to deposits | 59.6591% | 4,451 |
| Net loans and leases to core deposits | 62.0195% | 4,502 |
| Total domestic deposits to total assets | 83.0906% | 3,170 |
| Equity capital to assets | 16.4040% | 548 |
| Core capital (leverage) ratio | 15.2992% | 651 |
| Tier 1 risk-based capital ratio | 24.1631% | 831 |
| Total risk-based capital ratio | 25.1738% | 833 |
| Memoranda: | ||
| Average total assets | $239,156,670 | 2,560 |
| Average earning assets | $220,473,670 | 2,560 |
| Average equity | $38,589,670 | 1,997 |
| Average total loans | $116,122,000 | 3,025 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 3,194 |
| Cost of funding earning assets | 0.4866% | 4,120 |
| Net interest margin | 3.9217% | 2,123 |
| Noninterest income to average assets | 0.4261% | 3,004 |
| Noninterest expense to average assets | 2.7966% | 2,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9948% | 2,866 |
| Return on assets (ROA) | 0.9948% | 2,902 |
| Pretax return on assets | 1.2398% | 2,662 |
| Return on Equity (ROE) | 6.2176% | 3,949 |
| Retained earnings to average equity (ytd only) | -1.9607% | 4,741 |
| Net charge-offs to loans | 0.2707% | 545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 9.5974% | 2,012 |
| Efficiency ratio | 69.2851% | 2,460 |
| Assets per employee ($millions) | 4.2292% | 3,583 |
| Cash dividends to net income (ytd only)* | 131.5346% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 1,935 |
| Loan loss allowance to noncurrent loans | 200.9235% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 3,051 |
| Noncurrent loans to loans | 0.6646% | 2,356 |
| Net loans and leases to total assets | 46.6774% | 4,638 |
| Net loans and leases to deposits | 55.7918% | 4,606 |
| Net loans and leases to core deposits | 57.7744% | 4,649 |
| Total domestic deposits to total assets | 83.6636% | 3,163 |
| Equity capital to assets | 15.9581% | 579 |
| Core capital (leverage) ratio | 15.4714% | 601 |
| Tier 1 risk-based capital ratio | 24.9759% | 761 |
| Total risk-based capital ratio | 26.0248% | 765 |
| Memoranda: | ||
| Average total assets | $238,429,000 | 2,591 |
| Average earning assets | $219,496,000 | 2,592 |
| Average equity | $38,149,500 | 2,009 |
| Average total loans | $113,785,500 | 3,104 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 2,701 |
| Cost of funding earning assets | 0.3879% | 4,060 |
| Net interest margin | 4.0313% | 1,885 |
| Noninterest income to average assets | 0.4548% | 3,081 |
| Noninterest expense to average assets | 2.7611% | 2,824 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1376% | 2,443 |
| Return on assets (ROA) | 1.1376% | 2,445 |
| Pretax return on assets | 1.3886% | 2,177 |
| Return on Equity (ROE) | 6.7214% | 3,921 |
| Retained earnings to average equity (ytd only) | -0.2546% | 5,015 |
| Net charge-offs to loans | 0.2253% | 866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 12.6762% | 2,513 |
| Efficiency ratio | 66.5368% | 2,779 |
| Assets per employee ($millions) | 4.1368% | 3,700 |
| Cash dividends to net income (ytd only)* | 103.7885% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 1,598 |
| Loan loss allowance to noncurrent loans | 202.5316% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 2,829 |
| Noncurrent loans to loans | 0.6959% | 2,249 |
| Net loans and leases to total assets | 47.4675% | 4,674 |
| Net loans and leases to deposits | 56.8545% | 4,627 |
| Net loans and leases to core deposits | 58.7390% | 4,678 |
| Total domestic deposits to total assets | 83.4895% | 3,163 |
| Equity capital to assets | 16.0436% | 528 |
| Core capital (leverage) ratio | 15.9406% | 519 |
| Tier 1 risk-based capital ratio | 25.0922% | 734 |
| Total risk-based capital ratio | 26.1937% | 733 |
| Memoranda: | ||
| Average total assets | $222,740,800 | 2,679 |
| Average earning assets | $204,152,600 | 2,688 |
| Average equity | $37,700,200 | 1,953 |
| Average total loans | $108,306,400 | 3,162 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3815% | 2,685 |
| Cost of funding earning assets | 0.3615% | 4,103 |
| Net interest margin | 4.0199% | 1,895 |
| Noninterest income to average assets | 0.4593% | 3,109 |
| Noninterest expense to average assets | 2.6031% | 3,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2417% | 2,077 |
| Return on assets (ROA) | 1.2417% | 2,084 |
| Pretax return on assets | 1.5376% | 1,776 |
| Return on Equity (ROE) | 7.2350% | 3,845 |
| Retained earnings to average equity (ytd only) | 1.6070% | 4,695 |
| Net charge-offs to loans | 0.0249% | 2,623 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 126.5309% | 632 |
| Efficiency ratio | 62.8668% | 3,365 |
| Assets per employee ($millions) | 4.0251% | 3,844 |
| Cash dividends to net income (ytd only)* | 77.7886% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 1,083 |
| Loan loss allowance to noncurrent loans | 102.5872% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.7888% | 1,882 |
| Noncurrent loans to loans | 1.5601% | 1,024 |
| Net loans and leases to total assets | 49.7531% | 4,615 |
| Net loans and leases to deposits | 60.0347% | 4,548 |
| Net loans and leases to core deposits | 61.9341% | 4,619 |
| Total domestic deposits to total assets | 82.8739% | 3,350 |
| Equity capital to assets | 16.7299% | 439 |
| Core capital (leverage) ratio | 16.9365% | 427 |
| Tier 1 risk-based capital ratio | 25.6636% | 701 |
| Total risk-based capital ratio | 26.9136% | 687 |
| Memoranda: | ||
| Average total assets | $219,477,250 | 2,713 |
| Average earning assets | $200,993,750 | 2,726 |
| Average equity | $37,667,750 | 1,959 |
| Average total loans | $107,001,500 | 3,211 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2892% | 2,802 |
| Cost of funding earning assets | 0.3449% | 4,109 |
| Net interest margin | 3.9442% | 2,052 |
| Noninterest income to average assets | 0.4644% | 3,068 |
| Noninterest expense to average assets | 2.5876% | 3,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2064% | 2,169 |
| Return on assets (ROA) | 1.2064% | 2,167 |
| Pretax return on assets | 1.4832% | 1,874 |
| Return on Equity (ROE) | 6.9688% | 3,914 |
| Retained earnings to average equity (ytd only) | -1.4766% | 5,112 |
| Net charge-offs to loans | 0.0344% | 2,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 89.6111% | 751 |
| Efficiency ratio | 63.5645% | 3,376 |
| Assets per employee ($millions) | 4.3061% | 3,413 |
| Cash dividends to net income (ytd only)* | 121.1890% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7339% | 849 |
| Loan loss allowance to noncurrent loans | 80.8680% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.0282% | 1,462 |
| Noncurrent loans to loans | 2.1442% | 660 |
| Net loans and leases to total assets | 47.1215% | 4,761 |
| Net loans and leases to deposits | 57.0774% | 4,691 |
| Net loans and leases to core deposits | 57.7833% | 4,801 |
| Total domestic deposits to total assets | 82.5572% | 3,548 |
| Equity capital to assets | 17.0553% | 399 |
| Core capital (leverage) ratio | 16.7161% | 426 |
| Tier 1 risk-based capital ratio | 26.6777% | 625 |
| Total risk-based capital ratio | 27.9289% | 621 |
| Memoranda: | ||
| Average total assets | $217,501,330 | 2,747 |
| Average earning assets | $198,872,330 | 2,764 |
| Average equity | $37,653,670 | 1,957 |
| Average total loans | $104,678,670 | 3,255 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 2,674 |
| Cost of funding earning assets | 0.3308% | 4,130 |
| Net interest margin | 3.9273% | 1,939 |
| Noninterest income to average assets | 0.4842% | 2,904 |
| Noninterest expense to average assets | 2.5410% | 3,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2326% | 1,883 |
| Return on assets (ROA) | 1.2326% | 1,891 |
| Pretax return on assets | 1.5413% | 1,563 |
| Return on Equity (ROE) | 7.0670% | 3,762 |
| Retained earnings to average equity (ytd only) | -9.4615% | 5,353 |
| Net charge-offs to loans | 0.0153% | 2,216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 208.5000% | 327 |
| Efficiency ratio | 62.2454% | 3,742 |
| Assets per employee ($millions) | 4.5816% | 3,027 |
| Cash dividends to net income (ytd only)* | 233.8831% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7681% | 831 |
| Loan loss allowance to noncurrent loans | 108.0446% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.7744% | 2,024 |
| Noncurrent loans to loans | 1.6364% | 1,058 |
| Net loans and leases to total assets | 46.4846% | 4,772 |
| Net loans and leases to deposits | 56.1294% | 4,682 |
| Net loans and leases to core deposits | 56.6213% | 4,817 |
| Total domestic deposits to total assets | 82.8168% | 3,720 |
| Equity capital to assets | 16.8126% | 412 |
| Core capital (leverage) ratio | 16.8271% | 404 |
| Tier 1 risk-based capital ratio | 26.6200% | 635 |
| Total risk-based capital ratio | 27.8714% | 626 |
| Memoranda: | ||
| Average total assets | $216,447,500 | 2,786 |
| Average earning assets | $198,303,000 | 2,804 |
| Average equity | $37,753,000 | 1,964 |
| Average total loans | $104,363,500 | 3,280 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3938% | 2,044 |
| Cost of funding earning assets | 0.3545% | 3,666 |
| Net interest margin | 4.0393% | 1,629 |
| Noninterest income to average assets | 0.6170% | 2,370 |
| Noninterest expense to average assets | 2.6522% | 3,278 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.6619% | 570 |
| Return on assets (ROA) | 1.6760% | 571 |
| Pretax return on assets | 1.6760% | 1,076 |
| Return on Equity (ROE) | 9.5946% | 2,057 |
| Retained earnings to average equity (ytd only) | 6.0191% | 1,532 |
| Net charge-offs to loans | 0.0530% | 2,748 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 66.7736% | 882 |
| Efficiency ratio | 61.4782% | 4,022 |
| Assets per employee ($millions) | 4.3465% | 3,423 |
| Cash dividends to net income (ytd only)* | 37.2653% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7619% | 839 |
| Loan loss allowance to noncurrent loans | 107.0226% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.8090% | 1,926 |
| Noncurrent loans to loans | 1.6463% | 1,005 |
| Net loans and leases to total assets | 48.2752% | 4,748 |
| Net loans and leases to deposits | 59.2529% | 4,617 |
| Net loans and leases to core deposits | 59.7112% | 4,770 |
| Total domestic deposits to total assets | 81.4731% | 4,006 |
| Equity capital to assets | 18.0921% | 301 |
| Core capital (leverage) ratio | 17.4769% | 335 |
| Tier 1 risk-based capital ratio | 27.0043% | 596 |
| Total risk-based capital ratio | 28.2556% | 588 |
| Memoranda: | ||
| Average total assets | $212,951,400 | 2,789 |
| Average earning assets | $194,909,800 | 2,814 |
| Average equity | $37,198,000 | 1,966 |
| Average total loans | $99,945,200 | 3,351 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3766% | 2,028 |
| Cost of funding earning assets | 0.3608% | 3,554 |
| Net interest margin | 4.0158% | 1,652 |
| Noninterest income to average assets | 0.5397% | 2,782 |
| Noninterest expense to average assets | 2.6391% | 3,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2573% | 1,479 |
| Return on assets (ROA) | 1.2723% | 1,452 |
| Pretax return on assets | 1.5985% | 1,430 |
| Return on Equity (ROE) | 7.3493% | 3,469 |
| Retained earnings to average equity (ytd only) | 2.5390% | 4,371 |
| Net charge-offs to loans | 0.0958% | 1,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 35.5369% | 1,412 |
| Efficiency ratio | 62.5557% | 3,806 |
| Assets per employee ($millions) | 4.4522% | 3,236 |
| Cash dividends to net income (ytd only)* | 65.4527% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 846 |
| Loan loss allowance to noncurrent loans | 96.8187% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.8942% | 1,916 |
| Noncurrent loans to loans | 1.8661% | 935 |
| Net loans and leases to total assets | 46.4378% | 4,912 |
| Net loans and leases to deposits | 56.7008% | 4,828 |
| Net loans and leases to core deposits | 57.2338% | 4,941 |
| Total domestic deposits to total assets | 81.8998% | 3,810 |
| Equity capital to assets | 17.6103% | 369 |
| Core capital (leverage) ratio | 16.7875% | 401 |
| Tier 1 risk-based capital ratio | 26.4671% | 647 |
| Total risk-based capital ratio | 27.7184% | 638 |
| Memoranda: | ||
| Average total assets | $212,945,000 | 2,813 |
| Average earning assets | $195,093,500 | 2,837 |
| Average equity | $36,864,500 | 1,995 |
| Average total loans | $98,766,750 | 3,402 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3684% | 1,916 |
| Cost of funding earning assets | 0.3716% | 3,367 |
| Net interest margin | 3.9968% | 1,618 |
| Noninterest income to average assets | 0.4542% | 3,325 |
| Noninterest expense to average assets | 2.6574% | 3,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1444% | 1,803 |
| Return on assets (ROA) | 1.1444% | 1,856 |
| Pretax return on assets | 1.4584% | 1,800 |
| Return on Equity (ROE) | 6.6488% | 3,750 |
| Retained earnings to average equity (ytd only) | -0.4535% | 5,157 |
| Net charge-offs to loans | 0.1224% | 1,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 25.8500% | 1,593 |
| Efficiency ratio | 64.5648% | 3,578 |
| Assets per employee ($millions) | 4.2584% | 3,506 |
| Cash dividends to net income (ytd only)* | 106.8200% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8638% | 771 |
| Loan loss allowance to noncurrent loans | 94.3018% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.9149% | 1,924 |
| Noncurrent loans to loans | 1.9764% | 855 |
| Net loans and leases to total assets | 45.4292% | 4,974 |
| Net loans and leases to deposits | 55.2580% | 4,893 |
| Net loans and leases to core deposits | 55.7765% | 5,003 |
| Total domestic deposits to total assets | 82.2129% | 3,825 |
| Equity capital to assets | 17.4062% | 373 |
| Core capital (leverage) ratio | 16.3640% | 434 |
| Tier 1 risk-based capital ratio | 26.0925% | 668 |
| Total risk-based capital ratio | 27.3442% | 652 |
| Memoranda: | ||
| Average total assets | $212,691,670 | 2,827 |
| Average earning assets | $194,856,000 | 2,856 |
| Average equity | $36,608,000 | 2,000 |
| Average total loans | $98,000,330 | 3,429 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3402% | 1,849 |
| Cost of funding earning assets | 0.3826% | 3,178 |
| Net interest margin | 3.9576% | 1,584 |
| Noninterest income to average assets | 0.4478% | 3,322 |
| Noninterest expense to average assets | 2.6757% | 3,237 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0688% | 1,996 |
| Return on assets (ROA) | 1.0688% | 2,037 |
| Pretax return on assets | 1.3924% | 1,915 |
| Return on Equity (ROE) | 6.2449% | 3,788 |
| Retained earnings to average equity (ytd only) | -8.0480% | 5,525 |
| Net charge-offs to loans | 0.2456% | 729 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 1,844 |
| Efficiency ratio | 65.7724% | 3,536 |
| Assets per employee ($millions) | 4.2537% | 3,582 |
| Cash dividends to net income (ytd only)* | 228.8732% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8537% | 865 |
| Loan loss allowance to noncurrent loans | 99.3506% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.8689% | 2,135 |
| Noncurrent loans to loans | 1.8658% | 990 |
| Net loans and leases to total assets | 45.7059% | 4,957 |
| Net loans and leases to deposits | 55.3216% | 4,856 |
| Net loans and leases to core deposits | 55.9556% | 4,977 |
| Total domestic deposits to total assets | 82.6185% | 3,966 |
| Equity capital to assets | 16.9912% | 387 |
| Core capital (leverage) ratio | 16.0914% | 451 |
| Tier 1 risk-based capital ratio | 25.6036% | 721 |
| Total risk-based capital ratio | 26.8553% | 705 |
| Memoranda: | ||
| Average total assets | $212,578,500 | 2,857 |
| Average earning assets | $194,460,000 | 2,883 |
| Average equity | $36,381,500 | 2,009 |
| Average total loans | $97,718,500 | 3,457 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3620% | 1,946 |
| Cost of funding earning assets | 0.5525% | 1,665 |
| Net interest margin | 3.8095% | 2,286 |
| Noninterest income to average assets | 0.4306% | 3,676 |
| Noninterest expense to average assets | 2.4149% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1558% | 1,671 |
| Return on assets (ROA) | 1.1558% | 1,766 |
| Pretax return on assets | 1.5200% | 1,529 |
| Return on Equity (ROE) | 6.7561% | 3,613 |
| Retained earnings to average equity (ytd only) | 3.1211% | 3,686 |
| Net charge-offs to loans | -0.0083% | 4,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3712% | 4,359 |
| Assets per employee ($millions) | 4.2494% | 3,526 |
| Cash dividends to net income (ytd only)* | 53.8026% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9680% | 699 |
| Loan loss allowance to noncurrent loans | 87.4194% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.0213% | 1,857 |
| Noncurrent loans to loans | 2.2512% | 750 |
| Net loans and leases to total assets | 44.4738% | 5,087 |
| Net loans and leases to deposits | 54.0015% | 5,012 |
| Net loans and leases to core deposits | 54.8860% | 5,103 |
| Total domestic deposits to total assets | 82.3567% | 3,975 |
| Equity capital to assets | 17.2376% | 363 |
| Core capital (leverage) ratio | 16.5112% | 398 |
| Tier 1 risk-based capital ratio | 26.8548% | 627 |
| Total risk-based capital ratio | 28.1076% | 615 |
| Memoranda: | ||
| Average total assets | $213,883,600 | 2,813 |
| Average earning assets | $196,743,000 | 2,824 |
| Average equity | $36,589,200 | 1,998 |
| Average total loans | $96,682,400 | 3,450 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4023% | 1,854 |
| Cost of funding earning assets | 0.6012% | 1,317 |
| Net interest margin | 3.8011% | 2,325 |
| Noninterest income to average assets | 0.4300% | 3,695 |
| Noninterest expense to average assets | 2.3948% | 4,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1650% | 1,749 |
| Return on assets (ROA) | 1.1650% | 1,853 |
| Pretax return on assets | 1.5372% | 1,584 |
| Return on Equity (ROE) | 6.8232% | 3,652 |
| Retained earnings to average equity (ytd only) | 1.9755% | 4,699 |
| Net charge-offs to loans | -0.0110% | 4,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9053% | 4,408 |
| Assets per employee ($millions) | 4.6999% | 2,749 |
| Cash dividends to net income (ytd only)* | 71.0470% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8940% | 864 |
| Loan loss allowance to noncurrent loans | 118.6366% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.7679% | 2,631 |
| Noncurrent loans to loans | 1.5965% | 1,351 |
| Net loans and leases to total assets | 46.4590% | 5,065 |
| Net loans and leases to deposits | 56.6985% | 4,954 |
| Net loans and leases to core deposits | 57.6367% | 5,073 |
| Total domestic deposits to total assets | 81.9406% | 3,951 |
| Equity capital to assets | 17.5885% | 384 |
| Core capital (leverage) ratio | 15.9705% | 477 |
| Tier 1 risk-based capital ratio | 26.8332% | 651 |
| Total risk-based capital ratio | 28.0864% | 637 |
| Memoranda: | ||
| Average total assets | $214,236,750 | 2,820 |
| Average earning assets | $197,378,750 | 2,824 |
| Average equity | $36,580,250 | 2,006 |
| Average total loans | $96,755,250 | 3,453 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4286% | 1,746 |
| Cost of funding earning assets | 0.6471% | 1,062 |
| Net interest margin | 3.7815% | 2,394 |
| Noninterest income to average assets | 0.4099% | 3,805 |
| Noninterest expense to average assets | 2.3323% | 4,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1796% | 1,668 |
| Return on assets (ROA) | 1.1796% | 1,763 |
| Pretax return on assets | 1.5598% | 1,492 |
| Return on Equity (ROE) | 6.9775% | 3,559 |
| Retained earnings to average equity (ytd only) | -0.3354% | 5,345 |
| Net charge-offs to loans | -0.0125% | 4,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9236% | 4,650 |
| Assets per employee ($millions) | 5.0001% | 2,295 |
| Cash dividends to net income (ytd only)* | 104.8069% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9739% | 779 |
| Loan loss allowance to noncurrent loans | 130.5096% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.6870% | 2,924 |
| Noncurrent loans to loans | 1.5125% | 1,448 |
| Net loans and leases to total assets | 43.7695% | 5,247 |
| Net loans and leases to deposits | 54.6797% | 5,096 |
| Net loans and leases to core deposits | 55.5899% | 5,195 |
| Total domestic deposits to total assets | 80.0471% | 4,529 |
| Equity capital to assets | 17.1335% | 413 |
| Core capital (leverage) ratio | 15.4899% | 530 |
| Tier 1 risk-based capital ratio | 27.2691% | 631 |
| Total risk-based capital ratio | 28.5229% | 614 |
| Memoranda: | ||
| Average total assets | $215,150,330 | 2,824 |
| Average earning assets | $198,121,670 | 2,843 |
| Average equity | $36,374,000 | 2,020 |
| Average total loans | $95,621,670 | 3,489 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 1,616 |
| Cost of funding earning assets | 0.6598% | 997 |
| Net interest margin | 3.8037% | 2,273 |
| Noninterest income to average assets | 0.4368% | 3,564 |
| Noninterest expense to average assets | 2.3232% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2527% | 1,400 |
| Return on assets (ROA) | 1.2527% | 1,497 |
| Pretax return on assets | 1.6169% | 1,254 |
| Return on Equity (ROE) | 7.4595% | 3,208 |
| Retained earnings to average equity (ytd only) | -7.2603% | 5,727 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9623% | 4,877 |
| Assets per employee ($millions) | 5.4036% | 1,921 |
| Cash dividends to net income (ytd only)* | 197.3294% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9617% | 877 |
| Loan loss allowance to noncurrent loans | 126.3545% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.9466% | 2,341 |
| Noncurrent loans to loans | 1.5525% | 1,503 |
| Net loans and leases to total assets | 43.6782% | 5,262 |
| Net loans and leases to deposits | 54.7754% | 5,054 |
| Net loans and leases to core deposits | 55.8568% | 5,138 |
| Total domestic deposits to total assets | 79.7406% | 4,806 |
| Equity capital to assets | 16.6400% | 457 |
| Core capital (leverage) ratio | 15.3310% | 558 |
| Tier 1 risk-based capital ratio | 25.9715% | 738 |
| Total risk-based capital ratio | 27.2246% | 721 |
| Memoranda: | ||
| Average total assets | $215,222,500 | 2,831 |
| Average earning assets | $198,229,500 | 2,840 |
| Average equity | $36,142,000 | 2,029 |
| Average total loans | $95,431,500 | 3,507 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 1,524 |
| Cost of funding earning assets | 0.7168% | 755 |
| Net interest margin | 3.8078% | 2,345 |
| Noninterest income to average assets | 0.4569% | 3,613 |
| Noninterest expense to average assets | 2.3044% | 4,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2813% | 1,316 |
| Return on assets (ROA) | 1.2953% | 1,327 |
| Pretax return on assets | 1.6777% | 1,048 |
| Return on Equity (ROE) | 7.8146% | 3,058 |
| Retained earnings to average equity (ytd only) | 1.8358% | 4,677 |
| Net charge-offs to loans | 0.3473% | 854 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 10.9417% | 2,645 |
| Efficiency ratio | 58.1338% | 5,126 |
| Assets per employee ($millions) | 5.1025% | 2,239 |
| Cash dividends to net income (ytd only)* | 76.5086% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9975% | 807 |
| Loan loss allowance to noncurrent loans | 125.4316% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.9006% | 2,414 |
| Noncurrent loans to loans | 1.5925% | 1,442 |
| Net loans and leases to total assets | 43.2462% | 5,327 |
| Net loans and leases to deposits | 54.4578% | 5,134 |
| Net loans and leases to core deposits | 55.5437% | 5,225 |
| Total domestic deposits to total assets | 79.4123% | 4,881 |
| Equity capital to assets | 16.9470% | 416 |
| Core capital (leverage) ratio | 15.6454% | 511 |
| Tier 1 risk-based capital ratio | 26.5683% | 698 |
| Total risk-based capital ratio | 27.8215% | 676 |
| Memoranda: | ||
| Average total assets | $214,932,000 | 2,789 |
| Average earning assets | $197,964,600 | 2,803 |
| Average equity | $35,625,400 | 1,999 |
| Average total loans | $93,867,400 | 3,506 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5501% | 1,452 |
| Cost of funding earning assets | 0.7255% | 732 |
| Net interest margin | 3.8246% | 2,288 |
| Noninterest income to average assets | 0.4531% | 3,690 |
| Noninterest expense to average assets | 2.3091% | 4,755 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2832% | 1,383 |
| Return on assets (ROA) | 1.2832% | 1,438 |
| Pretax return on assets | 1.6669% | 1,192 |
| Return on Equity (ROE) | 7.7849% | 3,198 |
| Retained earnings to average equity (ytd only) | -0.2257% | 5,645 |
| Net charge-offs to loans | 0.3543% | 744 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 10.7992% | 2,561 |
| Efficiency ratio | 58.0761% | 5,113 |
| Assets per employee ($millions) | 5.2364% | 2,022 |
| Cash dividends to net income (ytd only)* | 102.8986% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0608% | 832 |
| Loan loss allowance to noncurrent loans | 127.5146% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.8766% | 2,689 |
| Noncurrent loans to loans | 1.6162% | 1,530 |
| Net loans and leases to total assets | 43.4972% | 5,387 |
| Net loans and leases to deposits | 54.6434% | 5,210 |
| Net loans and leases to core deposits | 55.7629% | 5,321 |
| Total domestic deposits to total assets | 79.6019% | 4,832 |
| Equity capital to assets | 16.7091% | 468 |
| Core capital (leverage) ratio | 15.2961% | 587 |
| Tier 1 risk-based capital ratio | 25.6867% | 799 |
| Total risk-based capital ratio | 26.9405% | 785 |
| Memoranda: | ||
| Average total assets | $215,089,250 | 2,816 |
| Average earning assets | $198,117,250 | 2,823 |
| Average equity | $35,452,250 | 2,019 |
| Average total loans | $93,692,500 | 3,540 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5740% | 1,340 |
| Cost of funding earning assets | 0.7292% | 722 |
| Net interest margin | 3.8448% | 2,155 |
| Noninterest income to average assets | 0.4303% | 3,852 |
| Noninterest expense to average assets | 2.2860% | 4,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2926% | 1,347 |
| Return on assets (ROA) | 1.2926% | 1,404 |
| Pretax return on assets | 1.6820% | 1,115 |
| Return on Equity (ROE) | 7.8783% | 3,123 |
| Retained earnings to average equity (ytd only) | -4.1855% | 5,987 |
| Net charge-offs to loans | 0.5562% | 437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.9884% | 2,713 |
| Efficiency ratio | 57.6112% | 5,265 |
| Assets per employee ($millions) | 5.2032% | 2,032 |
| Cash dividends to net income (ytd only)* | 153.1272% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1180% | 834 |
| Loan loss allowance to noncurrent loans | 113.3991% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.9680% | 2,592 |
| Noncurrent loans to loans | 1.8677% | 1,350 |
| Net loans and leases to total assets | 42.3525% | 5,480 |
| Net loans and leases to deposits | 52.9257% | 5,321 |
| Net loans and leases to core deposits | 54.1157% | 5,412 |
| Total domestic deposits to total assets | 80.0226% | 4,867 |
| Equity capital to assets | 16.3680% | 479 |
| Core capital (leverage) ratio | 15.0019% | 614 |
| Tier 1 risk-based capital ratio | 25.4781% | 820 |
| Total risk-based capital ratio | 26.7321% | 807 |
| Memoranda: | ||
| Average total assets | $215,221,670 | 2,831 |
| Average earning assets | $198,032,000 | 2,839 |
| Average equity | $35,312,000 | 2,034 |
| Average total loans | $93,140,000 | 3,575 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6331% | 1,157 |
| Cost of funding earning assets | 0.7324% | 720 |
| Net interest margin | 3.9007% | 1,894 |
| Noninterest income to average assets | 0.4200% | 3,845 |
| Noninterest expense to average assets | 2.2797% | 4,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3138% | 1,227 |
| Return on assets (ROA) | 1.3138% | 1,314 |
| Pretax return on assets | 1.7079% | 1,034 |
| Return on Equity (ROE) | 7.9980% | 2,957 |
| Retained earnings to average equity (ytd only) | -15.9959% | 6,233 |
| Net charge-offs to loans | 0.2993% | 794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 13.1857% | 1,740 |
| Efficiency ratio | 57.1694% | 5,424 |
| Assets per employee ($millions) | 5.2309% | 2,073 |
| Cash dividends to net income (ytd only)* | 300.0000% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2826% | 722 |
| Loan loss allowance to noncurrent loans | 417.3152% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 3,930 |
| Noncurrent loans to loans | 0.5470% | 3,946 |
| Net loans and leases to total assets | 42.8164% | 5,435 |
| Net loans and leases to deposits | 53.5194% | 5,233 |
| Net loans and leases to core deposits | 54.7149% | 5,329 |
| Total domestic deposits to total assets | 80.0016% | 5,051 |
| Equity capital to assets | 16.3186% | 504 |
| Core capital (leverage) ratio | 14.6515% | 660 |
| Tier 1 risk-based capital ratio | 24.8933% | 896 |
| Total risk-based capital ratio | 26.1491% | 881 |
| Memoranda: | ||
| Average total assets | $216,167,000 | 2,842 |
| Average earning assets | $197,707,500 | 2,861 |
| Average equity | $35,509,000 | 2,034 |
| Average total loans | $93,557,000 | 3,577 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8451% | 1,019 |
| Cost of funding earning assets | 0.8043% | 635 |
| Net interest margin | 4.0407% | 1,772 |
| Noninterest income to average assets | 0.3829% | 4,315 |
| Noninterest expense to average assets | 2.1862% | 5,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4370% | 1,005 |
| Return on assets (ROA) | 1.4370% | 1,036 |
| Pretax return on assets | 1.8662% | 686 |
| Return on Equity (ROE) | 9.2121% | 2,477 |
| Retained earnings to average equity (ytd only) | 5.4684% | 2,283 |
| Net charge-offs to loans | 0.3540% | 1,234 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 12.3182% | 2,390 |
| Efficiency ratio | 53.9481% | 5,846 |
| Assets per employee ($millions) | 5.4467% | 1,813 |
| Cash dividends to net income (ytd only)* | 40.6390% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3770% | 641 |
| Loan loss allowance to noncurrent loans | 405.4945% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.6183% | 3,731 |
| Noncurrent loans to loans | 0.5862% | 3,908 |
| Net loans and leases to total assets | 41.7356% | 5,640 |
| Net loans and leases to deposits | 52.2512% | 5,465 |
| Net loans and leases to core deposits | 53.4937% | 5,528 |
| Total domestic deposits to total assets | 79.8749% | 5,054 |
| Equity capital to assets | 16.5330% | 478 |
| Core capital (leverage) ratio | 15.2089% | 573 |
| Tier 1 risk-based capital ratio | 25.7553% | 779 |
| Total risk-based capital ratio | 27.0112% | 764 |
| Memoranda: | ||
| Average total assets | $217,820,600 | 2,804 |
| Average earning assets | $197,810,000 | 2,828 |
| Average equity | $33,977,000 | 2,054 |
| Average total loans | $93,220,200 | 3,560 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9215% | 890 |
| Cost of funding earning assets | 0.8222% | 617 |
| Net interest margin | 4.0994% | 1,577 |
| Noninterest income to average assets | 0.4867% | 3,638 |
| Noninterest expense to average assets | 2.1823% | 5,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5420% | 858 |
| Return on assets (ROA) | 1.5420% | 890 |
| Pretax return on assets | 2.0219% | 539 |
| Return on Equity (ROE) | 10.0357% | 2,206 |
| Retained earnings to average equity (ytd only) | 4.9681% | 3,096 |
| Net charge-offs to loans | 0.2059% | 1,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 22.9369% | 1,611 |
| Efficiency ratio | 51.9074% | 5,995 |
| Assets per employee ($millions) | 5.3432% | 1,867 |
| Cash dividends to net income (ytd only)* | 50.4963% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5978% | 575 |
| Loan loss allowance to noncurrent loans | 383.5463% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.9011% | 3,189 |
| Noncurrent loans to loans | 0.6773% | 3,917 |
| Net loans and leases to total assets | 42.1206% | 5,659 |
| Net loans and leases to deposits | 52.8000% | 5,480 |
| Net loans and leases to core deposits | 54.1641% | 5,555 |
| Total domestic deposits to total assets | 79.7739% | 5,151 |
| Equity capital to assets | 16.4040% | 506 |
| Core capital (leverage) ratio | 14.9692% | 626 |
| Tier 1 risk-based capital ratio | 25.2722% | 856 |
| Total risk-based capital ratio | 26.5302% | 839 |
| Memoranda: | ||
| Average total assets | $217,809,000 | 2,830 |
| Average earning assets | $197,521,000 | 2,860 |
| Average equity | $33,466,250 | 2,086 |
| Average total loans | $93,239,750 | 3,601 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 857 |
| Cost of funding earning assets | 0.8383% | 584 |
| Net interest margin | 4.0938% | 1,536 |
| Noninterest income to average assets | 0.4864% | 3,583 |
| Noninterest expense to average assets | 2.1737% | 5,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5385% | 815 |
| Return on assets (ROA) | 1.5385% | 850 |
| Pretax return on assets | 2.0158% | 540 |
| Return on Equity (ROE) | 10.2383% | 2,039 |
| Retained earnings to average equity (ytd only) | 2.5140% | 4,602 |
| Net charge-offs to loans | 0.2395% | 1,607 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 19.7232% | 1,610 |
| Efficiency ratio | 51.8841% | 6,075 |
| Assets per employee ($millions) | 5.4380% | 1,753 |
| Cash dividends to net income (ytd only)* | 75.4448% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5878% | 627 |
| Loan loss allowance to noncurrent loans | 418.7608% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.9273% | 3,228 |
| Noncurrent loans to loans | 0.6180% | 4,171 |
| Net loans and leases to total assets | 42.1046% | 5,670 |
| Net loans and leases to deposits | 52.2826% | 5,481 |
| Net loans and leases to core deposits | 53.6904% | 5,576 |
| Total domestic deposits to total assets | 80.5326% | 5,116 |
| Equity capital to assets | 15.6980% | 595 |
| Core capital (leverage) ratio | 14.3623% | 740 |
| Tier 1 risk-based capital ratio | 24.0482% | 975 |
| Total risk-based capital ratio | 25.3059% | 957 |
| Memoranda: | ||
| Average total assets | $219,169,000 | 2,821 |
| Average earning assets | $198,251,670 | 2,856 |
| Average equity | $32,935,000 | 2,103 |
| Average total loans | $93,511,330 | 3,604 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8937% | 880 |
| Cost of funding earning assets | 0.8585% | 565 |
| Net interest margin | 4.0352% | 1,643 |
| Noninterest income to average assets | 0.4527% | 3,766 |
| Noninterest expense to average assets | 2.1891% | 5,486 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5364% | 756 |
| Return on assets (ROA) | 1.5364% | 790 |
| Pretax return on assets | 1.9128% | 634 |
| Return on Equity (ROE) | 10.4548% | 1,886 |
| Retained earnings to average equity (ytd only) | -4.9119% | 6,118 |
| Net charge-offs to loans | 0.1115% | 2,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 40.4615% | 868 |
| Efficiency ratio | 53.3688% | 6,065 |
| Assets per employee ($millions) | 5.5823% | 1,631 |
| Cash dividends to net income (ytd only)* | 146.9822% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7147% | 610 |
| Loan loss allowance to noncurrent loans | 713.5977% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.6867% | 4,047 |
| Noncurrent loans to loans | 0.3804% | 4,981 |
| Net loans and leases to total assets | 41.4648% | 5,711 |
| Net loans and leases to deposits | 50.9706% | 5,526 |
| Net loans and leases to core deposits | 53.1361% | 5,556 |
| Total domestic deposits to total assets | 81.3504% | 5,139 |
| Equity capital to assets | 14.9520% | 685 |
| Core capital (leverage) ratio | 14.0064% | 818 |
| Tier 1 risk-based capital ratio | 23.7769% | 1,037 |
| Total risk-based capital ratio | 25.0356% | 1,017 |
| Memoranda: | ||
| Average total assets | $219,994,500 | 2,830 |
| Average earning assets | $198,951,000 | 2,861 |
| Average equity | $32,329,500 | 2,133 |
| Average total loans | $93,258,000 | 3,630 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0312% | 867 |
| Cost of funding earning assets | 1.1998% | 178 |
| Net interest margin | 3.8314% | 2,532 |
| Noninterest income to average assets | 0.2992% | 5,209 |
| Noninterest expense to average assets | 2.0488% | 5,924 |
| Loan and lease loss provision to assets | 0.3339% | 964 |
| Net operating income to assets | 1.1571% | 1,728 |
| Return on assets (ROA) | 1.1571% | 1,790 |
| Pretax return on assets | 1.4123% | 1,742 |
| Return on Equity (ROE) | 8.1150% | 2,974 |
| Retained earnings to average equity (ytd only) | 7.6528% | 1,171 |
| Net charge-offs to loans | 0.2399% | 2,536 |
| Credit loss provision to net charge-offs | 315.3527% | 728 |
| Earnings coverage of net charge-offs (x) | 16.4938% | 1,798 |
| Efficiency ratio | 53.9877% | 6,136 |
| Assets per employee ($millions) | 5.4214% | 1,737 |
| Cash dividends to net income (ytd only)* | 5.6948% | 4,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7154% | 655 |
| Loan loss allowance to noncurrent loans | 862.7119% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.6609% | 4,261 |
| Noncurrent loans to loans | 0.3148% | 5,244 |
| Net loans and leases to total assets | 41.0201% | 5,893 |
| Net loans and leases to deposits | 50.0445% | 5,764 |
| Net loans and leases to core deposits | 52.2513% | 5,778 |
| Total domestic deposits to total assets | 81.9673% | 4,890 |
| Equity capital to assets | 14.4445% | 794 |
| Core capital (leverage) ratio | 13.9574% | 831 |
| Tier 1 risk-based capital ratio | 23.8598% | 968 |
| Total risk-based capital ratio | 25.1188% | 957 |
| Memoranda: | ||
| Average total assets | $227,641,200 | 2,739 |
| Average earning assets | $207,705,400 | 2,748 |
| Average equity | $32,458,600 | 2,108 |
| Average total loans | $100,468,800 | 3,432 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0536% | 843 |
| Cost of funding earning assets | 1.2561% | 154 |
| Net interest margin | 3.7975% | 2,650 |
| Noninterest income to average assets | 0.3715% | 4,737 |
| Noninterest expense to average assets | 1.9925% | 6,019 |
| Loan and lease loss provision to assets | 0.4192% | 700 |
| Net operating income to assets | 1.1762% | 1,716 |
| Return on assets (ROA) | 1.1762% | 1,786 |
| Pretax return on assets | 1.4365% | 1,811 |
| Return on Equity (ROE) | 8.2751% | 2,985 |
| Retained earnings to average equity (ytd only) | 8.0703% | 1,383 |
| Net charge-offs to loans | 0.2127% | 2,552 |
| Credit loss provision to net charge-offs | 441.7178% | 599 |
| Earnings coverage of net charge-offs (x) | 19.5520% | 1,626 |
| Efficiency ratio | 51.7779% | 6,268 |
| Assets per employee ($millions) | 5.5962% | 1,539 |
| Cash dividends to net income (ytd only)* | 2.4754% | 3,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6215% | 817 |
| Loan loss allowance to noncurrent loans | 634.6437% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.8528% | 3,984 |
| Noncurrent loans to loans | 0.4131% | 5,160 |
| Net loans and leases to total assets | 42.8626% | 5,832 |
| Net loans and leases to deposits | 52.2972% | 5,689 |
| Net loans and leases to core deposits | 54.6669% | 5,715 |
| Total domestic deposits to total assets | 81.9596% | 4,945 |
| Equity capital to assets | 14.3615% | 863 |
| Core capital (leverage) ratio | 13.5224% | 1,014 |
| Tier 1 risk-based capital ratio | 23.0372% | 1,138 |
| Total risk-based capital ratio | 24.2964% | 1,122 |
| Memoranda: | ||
| Average total assets | $228,981,750 | 2,749 |
| Average earning assets | $209,641,500 | 2,746 |
| Average equity | $32,546,500 | 2,121 |
| Average total loans | $102,155,000 | 3,423 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0279% | 874 |
| Cost of funding earning assets | 1.2816% | 155 |
| Net interest margin | 3.7463% | 2,777 |
| Noninterest income to average assets | 0.4560% | 4,123 |
| Noninterest expense to average assets | 1.9567% | 6,117 |
| Loan and lease loss provision to assets | 0.4161% | 728 |
| Net operating income to assets | 1.2701% | 1,406 |
| Return on assets (ROA) | 1.2701% | 1,505 |
| Pretax return on assets | 1.5146% | 1,573 |
| Return on Equity (ROE) | 8.9659% | 2,622 |
| Retained earnings to average equity (ytd only) | 8.9659% | 1,132 |
| Net charge-offs to loans | 0.2225% | 2,402 |
| Credit loss provision to net charge-offs | 417.3913% | 640 |
| Earnings coverage of net charge-offs (x) | 19.3652% | 1,508 |
| Efficiency ratio | 50.3345% | 6,404 |
| Assets per employee ($millions) | 5.8692% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2890% | 1,276 |
| Loan loss allowance to noncurrent loans | 571.7703% | 770 |
| Noncurrent assets plus other real estate owned to assets | 1.1005% | 3,526 |
| Noncurrent loans to loans | 0.4003% | 5,269 |
| Net loans and leases to total assets | 44.5714% | 5,693 |
| Net loans and leases to deposits | 53.9316% | 5,526 |
| Net loans and leases to core deposits | 56.7605% | 5,542 |
| Total domestic deposits to total assets | 82.6442% | 4,837 |
| Equity capital to assets | 13.9005% | 998 |
| Core capital (leverage) ratio | 12.9729% | 1,173 |
| Tier 1 risk-based capital ratio | 21.7720% | 1,333 |
| Total risk-based capital ratio | 23.0279% | 1,305 |
| Memoranda: | ||
| Average total assets | $230,693,000 | 2,736 |
| Average earning assets | $211,301,000 | 2,728 |
| Average equity | $32,679,330 | 2,120 |
| Average total loans | $103,363,330 | 3,414 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0263% | 853 |
| Cost of funding earning assets | 1.3171% | 143 |
| Net interest margin | 3.7093% | 2,815 |
| Noninterest income to average assets | 0.4663% | 4,016 |
| Noninterest expense to average assets | 2.1244% | 5,853 |
| Loan and lease loss provision to assets | 0.4145% | 734 |
| Net operating income to assets | 1.1071% | 1,831 |
| Return on assets (ROA) | 1.1071% | 1,937 |
| Pretax return on assets | 1.3178% | 2,166 |
| Return on Equity (ROE) | 7.7439% | 3,097 |
| Retained earnings to average equity (ytd only) | 7.7439% | 1,843 |
| Net charge-offs to loans | -0.2567% | 6,737 |
| Credit loss provision to net charge-offs | -363.6364% | 5,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0828% | 6,146 |
| Assets per employee ($millions) | 5.5166% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2803% | 1,445 |
| Loan loss allowance to noncurrent loans | 103.5540% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 1.8239% | 2,580 |
| Noncurrent loans to loans | 2.2020% | 2,385 |
| Net loans and leases to total assets | 43.1134% | 5,749 |
| Net loans and leases to deposits | 52.5429% | 5,569 |
| Net loans and leases to core deposits | 55.3583% | 5,575 |
| Total domestic deposits to total assets | 82.0538% | 5,175 |
| Equity capital to assets | 14.3739% | 911 |
| Core capital (leverage) ratio | 12.6528% | 1,271 |
| Tier 1 risk-based capital ratio | 21.6221% | 1,398 |
| Total risk-based capital ratio | 22.8809% | 1,374 |
| Memoranda: | ||
| Average total assets | $231,590,500 | 2,761 |
| Average earning assets | $211,685,000 | 2,750 |
| Average equity | $33,110,000 | 2,123 |
| Average total loans | $102,838,500 | 3,443 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2608% | 1,000 |
| Cost of funding earning assets | 1.5087% | 157 |
| Net interest margin | 3.7521% | 3,426 |
| Noninterest income to average assets | 0.3038% | 5,274 |
| Noninterest expense to average assets | 2.0625% | 6,204 |
| Loan and lease loss provision to assets | 0.5588% | 1,018 |
| Net operating income to assets | 1.0457% | 2,138 |
| Return on assets (ROA) | 1.0457% | 2,340 |
| Pretax return on assets | 1.1201% | 3,080 |
| Return on Equity (ROE) | 7.6880% | 3,243 |
| Retained earnings to average equity (ytd only) | 5.2076% | 2,567 |
| Net charge-offs to loans | 2.2852% | 290 |
| Credit loss provision to net charge-offs | 51.9763% | 4,648 |
| Earnings coverage of net charge-offs (x) | 1.5617% | 4,661 |
| Efficiency ratio | 55.1278% | 6,153 |
| Assets per employee ($millions) | 5.5115% | 1,677 |
| Cash dividends to net income (ytd only)* | 32.2633% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9574% | 2,135 |
| Loan loss allowance to noncurrent loans | 81.0973% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.8364% | 2,668 |
| Noncurrent loans to loans | 2.4137% | 2,209 |
| Net loans and leases to total assets | 43.8166% | 5,836 |
| Net loans and leases to deposits | 53.3801% | 5,708 |
| Net loans and leases to core deposits | 56.2548% | 5,701 |
| Total domestic deposits to total assets | 82.0842% | 5,067 |
| Equity capital to assets | 14.2196% | 965 |
| Core capital (leverage) ratio | 12.1564% | 1,474 |
| Tier 1 risk-based capital ratio | 21.0775% | 1,439 |
| Total risk-based capital ratio | 22.3311% | 1,416 |
| Memoranda: | ||
| Average total assets | $235,343,400 | 2,675 |
| Average earning assets | $215,611,600 | 2,667 |
| Average equity | $32,010,800 | 2,140 |
| Average total loans | $110,712,600 | 3,287 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3099% | 995 |
| Cost of funding earning assets | 1.5491% | 160 |
| Net interest margin | 3.7608% | 3,503 |
| Noninterest income to average assets | 0.4040% | 4,607 |
| Noninterest expense to average assets | 2.1000% | 6,164 |
| Loan and lease loss provision to assets | 0.5219% | 1,151 |
| Net operating income to assets | 1.0867% | 2,142 |
| Return on assets (ROA) | 1.0867% | 2,338 |
| Pretax return on assets | 1.2311% | 2,865 |
| Return on Equity (ROE) | 8.0792% | 3,251 |
| Retained earnings to average equity (ytd only) | 8.0792% | 1,589 |
| Net charge-offs to loans | 0.9728% | 1,095 |
| Credit loss provision to net charge-offs | 112.6675% | 2,595 |
| Earnings coverage of net charge-offs (x) | 3.7844% | 3,513 |
| Efficiency ratio | 54.5029% | 6,203 |
| Assets per employee ($millions) | 5.3163% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0611% | 673 |
| Loan loss allowance to noncurrent loans | 73.7539% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 2.8057% | 1,875 |
| Noncurrent loans to loans | 4.1505% | 1,205 |
| Net loans and leases to total assets | 45.2710% | 5,844 |
| Net loans and leases to deposits | 55.2258% | 5,697 |
| Net loans and leases to core deposits | 58.0803% | 5,731 |
| Total domestic deposits to total assets | 81.9743% | 5,035 |
| Equity capital to assets | 14.2786% | 1,047 |
| Core capital (leverage) ratio | 12.2241% | 1,523 |
| Tier 1 risk-based capital ratio | 20.7550% | 1,585 |
| Total risk-based capital ratio | 22.0198% | 1,547 |
| Memoranda: | ||
| Average total assets | $236,308,500 | 2,694 |
| Average earning assets | $216,720,750 | 2,676 |
| Average equity | $31,784,500 | 2,171 |
| Average total loans | $112,527,500 | 3,269 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3739% | 918 |
| Cost of funding earning assets | 1.5909% | 159 |
| Net interest margin | 3.7830% | 3,441 |
| Noninterest income to average assets | 0.3703% | 4,870 |
| Noninterest expense to average assets | 2.1273% | 6,180 |
| Loan and lease loss provision to assets | 0.4218% | 1,549 |
| Net operating income to assets | 1.1590% | 1,855 |
| Return on assets (ROA) | 1.1590% | 2,057 |
| Pretax return on assets | 1.2872% | 2,606 |
| Return on Equity (ROE) | 8.7947% | 2,902 |
| Retained earnings to average equity (ytd only) | 8.7947% | 1,344 |
| Net charge-offs to loans | 1.2427% | 865 |
| Credit loss provision to net charge-offs | 70.8215% | 3,539 |
| Earnings coverage of net charge-offs (x) | 2.8697% | 3,593 |
| Efficiency ratio | 55.4529% | 6,179 |
| Assets per employee ($millions) | 5.5159% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6849% | 1,056 |
| Loan loss allowance to noncurrent loans | 63.5925% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 2.7186% | 2,025 |
| Noncurrent loans to loans | 4.2221% | 1,288 |
| Net loans and leases to total assets | 46.3634% | 5,793 |
| Net loans and leases to deposits | 56.8681% | 5,567 |
| Net loans and leases to core deposits | 59.5904% | 5,633 |
| Total domestic deposits to total assets | 81.5279% | 5,286 |
| Equity capital to assets | 13.6885% | 1,218 |
| Core capital (leverage) ratio | 11.8042% | 1,721 |
| Tier 1 risk-based capital ratio | 19.6787% | 1,792 |
| Total risk-based capital ratio | 20.9400% | 1,757 |
| Memoranda: | ||
| Average total assets | $237,106,000 | 2,690 |
| Average earning assets | $217,237,000 | 2,678 |
| Average equity | $31,246,000 | 2,187 |
| Average total loans | $113,623,330 | 3,257 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4563% | 822 |
| Cost of funding earning assets | 1.6314% | 165 |
| Net interest margin | 3.8250% | 3,265 |
| Noninterest income to average assets | 0.4168% | 4,545 |
| Noninterest expense to average assets | 2.1243% | 6,220 |
| Loan and lease loss provision to assets | 0.4640% | 1,328 |
| Net operating income to assets | 1.1204% | 1,990 |
| Return on assets (ROA) | 1.1204% | 2,174 |
| Pretax return on assets | 1.3296% | 2,429 |
| Return on Equity (ROE) | 8.6697% | 2,963 |
| Retained earnings to average equity (ytd only) | 8.6697% | 1,710 |
| Net charge-offs to loans | 1.4886% | 673 |
| Credit loss provision to net charge-offs | 64.8585% | 3,018 |
| Earnings coverage of net charge-offs (x) | 2.5071% | 3,162 |
| Efficiency ratio | 54.2205% | 6,321 |
| Assets per employee ($millions) | 5.3961% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7459% | 1,063 |
| Loan loss allowance to noncurrent loans | 75.4823% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 2.4003% | 2,466 |
| Noncurrent loans to loans | 3.6378% | 1,706 |
| Net loans and leases to total assets | 46.1096% | 5,769 |
| Net loans and leases to deposits | 56.0202% | 5,598 |
| Net loans and leases to core deposits | 58.8459% | 5,641 |
| Total domestic deposits to total assets | 82.3089% | 5,196 |
| Equity capital to assets | 13.1226% | 1,391 |
| Core capital (leverage) ratio | 11.5115% | 1,886 |
| Tier 1 risk-based capital ratio | 19.3004% | 1,897 |
| Total risk-based capital ratio | 20.5621% | 1,860 |
| Memoranda: | ||
| Average total assets | $237,066,500 | 2,701 |
| Average earning assets | $216,995,500 | 2,685 |
| Average equity | $30,635,500 | 2,225 |
| Average total loans | $113,934,500 | 3,278 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9903% | 436 |
| Cost of funding earning assets | 1.8388% | 186 |
| Net interest margin | 4.1516% | 2,228 |
| Noninterest income to average assets | 0.3074% | 5,340 |
| Noninterest expense to average assets | 2.0303% | 6,624 |
| Loan and lease loss provision to assets | 1.5849% | 447 |
| Net operating income to assets | 0.6440% | 3,766 |
| Return on assets (ROA) | 0.6440% | 3,959 |
| Pretax return on assets | 0.4767% | 5,059 |
| Return on Equity (ROE) | 5.4895% | 4,139 |
| Retained earnings to average equity (ytd only) | 5.1339% | 2,545 |
| Net charge-offs to loans | 2.1616% | 601 |
| Credit loss provision to net charge-offs | 139.1941% | 2,125 |
| Earnings coverage of net charge-offs (x) | 1.8106% | 4,430 |
| Efficiency ratio | 49.6178% | 6,859 |
| Assets per employee ($millions) | 5.2601% | 1,875 |
| Cash dividends to net income (ytd only)* | 6.4767% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8101% | 969 |
| Loan loss allowance to noncurrent loans | 814.0704% | 464 |
| Noncurrent assets plus other real estate owned to assets | 1.1094% | 4,391 |
| Noncurrent loans to loans | 0.3452% | 6,036 |
| Net loans and leases to total assets | 47.3420% | 5,891 |
| Net loans and leases to deposits | 57.1828% | 5,780 |
| Net loans and leases to core deposits | 60.4025% | 5,807 |
| Total domestic deposits to total assets | 82.7907% | 4,839 |
| Equity capital to assets | 12.7223% | 1,644 |
| Core capital (leverage) ratio | 11.0816% | 2,208 |
| Tier 1 risk-based capital ratio | 18.4127% | 2,076 |
| Total risk-based capital ratio | 19.6754% | 2,035 |
| Memoranda: | ||
| Average total assets | $239,764,400 | 2,640 |
| Average earning assets | $218,568,200 | 2,628 |
| Average equity | $28,126,600 | 2,328 |
| Average total loans | $126,295,000 | 3,054 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0352% | 428 |
| Cost of funding earning assets | 1.8686% | 199 |
| Net interest margin | 4.1666% | 2,218 |
| Noninterest income to average assets | 0.2821% | 5,589 |
| Noninterest expense to average assets | 2.0050% | 6,679 |
| Loan and lease loss provision to assets | 0.7899% | 1,184 |
| Net operating income to assets | 1.0975% | 1,981 |
| Return on assets (ROA) | 1.0975% | 2,128 |
| Pretax return on assets | 1.2844% | 2,345 |
| Return on Equity (ROE) | 9.5547% | 2,366 |
| Retained earnings to average equity (ytd only) | 9.5547% | 967 |
| Net charge-offs to loans | 1.9528% | 659 |
| Credit loss provision to net charge-offs | 75.3968% | 4,296 |
| Earnings coverage of net charge-offs (x) | 1.9799% | 4,167 |
| Efficiency ratio | 49.1507% | 6,877 |
| Assets per employee ($millions) | 5.7806% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 4,567 |
| Loan loss allowance to noncurrent loans | 84.1560% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.4416% | 3,959 |
| Noncurrent loans to loans | 1.6624% | 3,802 |
| Net loans and leases to total assets | 49.4936% | 5,771 |
| Net loans and leases to deposits | 59.9723% | 5,635 |
| Net loans and leases to core deposits | 63.4004% | 5,687 |
| Total domestic deposits to total assets | 82.5275% | 4,866 |
| Equity capital to assets | 12.6959% | 1,788 |
| Core capital (leverage) ratio | 11.3554% | 2,130 |
| Tier 1 risk-based capital ratio | 17.9642% | 2,269 |
| Total risk-based capital ratio | 19.1040% | 2,273 |
| Memoranda: | ||
| Average total assets | $240,529,750 | 2,645 |
| Average earning assets | $219,197,500 | 2,639 |
| Average equity | $27,629,750 | 2,354 |
| Average total loans | $129,043,750 | 3,029 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1123% | 374 |
| Cost of funding earning assets | 1.9119% | 193 |
| Net interest margin | 4.2004% | 2,031 |
| Noninterest income to average assets | 0.3411% | 5,151 |
| Noninterest expense to average assets | 2.0452% | 6,699 |
| Loan and lease loss provision to assets | 0.6881% | 1,385 |
| Net operating income to assets | 1.2303% | 1,494 |
| Return on assets (ROA) | 1.2303% | 1,567 |
| Pretax return on assets | 1.4305% | 1,722 |
| Return on Equity (ROE) | 11.1048% | 1,765 |
| Retained earnings to average equity (ytd only) | 11.1048% | 651 |
| Net charge-offs to loans | 1.1686% | 1,337 |
| Credit loss provision to net charge-offs | 107.4219% | 2,866 |
| Earnings coverage of net charge-offs (x) | 3.3073% | 3,218 |
| Efficiency ratio | 49.1186% | 6,997 |
| Assets per employee ($millions) | 5.5002% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7316% | 3,216 |
| Loan loss allowance to noncurrent loans | 79.2245% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.7136% | 3,621 |
| Noncurrent loans to loans | 2.1857% | 3,241 |
| Net loans and leases to total assets | 52.2216% | 5,541 |
| Net loans and leases to deposits | 62.4858% | 5,450 |
| Net loans and leases to core deposits | 66.0669% | 5,506 |
| Total domestic deposits to total assets | 83.5736% | 4,514 |
| Equity capital to assets | 11.9108% | 2,156 |
| Core capital (leverage) ratio | 10.7089% | 2,510 |
| Tier 1 risk-based capital ratio | 15.8404% | 3,059 |
| Total risk-based capital ratio | 17.0919% | 3,035 |
| Memoranda: | ||
| Average total assets | $239,777,330 | 2,662 |
| Average earning assets | $218,216,000 | 2,667 |
| Average equity | $26,565,000 | 2,418 |
| Average total loans | $131,435,330 | 3,012 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1971% | 337 |
| Cost of funding earning assets | 1.9745% | 182 |
| Net interest margin | 4.2226% | 1,830 |
| Noninterest income to average assets | 0.3838% | 4,842 |
| Noninterest expense to average assets | 2.0581% | 6,721 |
| Loan and lease loss provision to assets | 0.6285% | 1,373 |
| Net operating income to assets | 1.2268% | 1,458 |
| Return on assets (ROA) | 1.2268% | 1,511 |
| Pretax return on assets | 1.5252% | 1,374 |
| Return on Equity (ROE) | 11.5117% | 1,594 |
| Retained earnings to average equity (ytd only) | 11.5117% | 808 |
| Net charge-offs to loans | 0.8611% | 1,534 |
| Credit loss provision to net charge-offs | 131.1189% | 2,111 |
| Earnings coverage of net charge-offs (x) | 4.4930% | 2,467 |
| Efficiency ratio | 48.8659% | 7,074 |
| Assets per employee ($millions) | 5.5604% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7271% | 3,250 |
| Loan loss allowance to noncurrent loans | 67.0326% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 2.3078% | 2,938 |
| Noncurrent loans to loans | 2.5766% | 2,916 |
| Net loans and leases to total assets | 53.7585% | 5,336 |
| Net loans and leases to deposits | 63.6768% | 5,293 |
| Net loans and leases to core deposits | 68.7741% | 5,195 |
| Total domestic deposits to total assets | 84.4240% | 4,313 |
| Equity capital to assets | 11.0205% | 2,666 |
| Core capital (leverage) ratio | 10.9590% | 2,226 |
| Tier 1 risk-based capital ratio | 15.8648% | 2,967 |
| Total risk-based capital ratio | 17.1164% | 2,936 |
| Memoranda: | ||
| Average total assets | $238,662,500 | 2,684 |
| Average earning assets | $216,359,500 | 2,708 |
| Average equity | $25,435,000 | 2,502 |
| Average total loans | $132,849,500 | 3,024 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6413% | 258 |
| Cost of funding earning assets | 2.3006% | 211 |
| Net interest margin | 4.3407% | 1,679 |
| Noninterest income to average assets | 0.2916% | 5,697 |
| Noninterest expense to average assets | 1.9323% | 7,113 |
| Loan and lease loss provision to assets | 0.5389% | 2,995 |
| Net operating income to assets | 1.4406% | 874 |
| Return on assets (ROA) | 1.5557% | 739 |
| Pretax return on assets | 1.8824% | 636 |
| Return on Equity (ROE) | 14.9621% | 721 |
| Retained earnings to average equity (ytd only) | 9.8081% | 555 |
| Net charge-offs to loans | 0.5984% | 3,237 |
| Credit loss provision to net charge-offs | 152.8777% | 2,339 |
| Earnings coverage of net charge-offs (x) | 6.4760% | 2,350 |
| Efficiency ratio | 45.8438% | 7,357 |
| Assets per employee ($millions) | 5.5401% | 1,542 |
| Cash dividends to net income (ytd only)* | 34.4472% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 3,540 |
| Loan loss allowance to noncurrent loans | 45.7613% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 3.0744% | 2,295 |
| Noncurrent loans to loans | 3.5151% | 2,148 |
| Net loans and leases to total assets | 55.7177% | 5,385 |
| Net loans and leases to deposits | 65.5363% | 5,449 |
| Net loans and leases to core deposits | 71.0335% | 5,327 |
| Total domestic deposits to total assets | 85.0180% | 3,840 |
| Equity capital to assets | 10.2927% | 3,393 |
| Core capital (leverage) ratio | 10.4944% | 2,565 |
| Tier 1 risk-based capital ratio | 16.3694% | 2,586 |
| Total risk-based capital ratio | 17.6213% | 2,541 |
| Memoranda: | ||
| Average total assets | $236,613,200 | 2,677 |
| Average earning assets | $213,857,200 | 2,702 |
| Average equity | $24,602,200 | 2,594 |
| Average total loans | $139,370,000 | 2,962 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6807% | 251 |
| Cost of funding earning assets | 2.3561% | 225 |
| Net interest margin | 4.3246% | 1,762 |
| Noninterest income to average assets | 0.5108% | 4,093 |
| Noninterest expense to average assets | 2.3515% | 6,169 |
| Loan and lease loss provision to assets | 0.5927% | 2,570 |
| Net operating income to assets | 1.1080% | 1,859 |
| Return on assets (ROA) | 1.2469% | 1,554 |
| Pretax return on assets | 1.6618% | 1,183 |
| Return on Equity (ROE) | 11.9615% | 1,514 |
| Retained earnings to average equity (ytd only) | 5.0955% | 2,915 |
| Net charge-offs to loans | 0.5818% | 2,994 |
| Credit loss provision to net charge-offs | 171.2887% | 2,163 |
| Earnings coverage of net charge-offs (x) | 5.9804% | 2,623 |
| Efficiency ratio | 53.1920% | 6,870 |
| Assets per employee ($millions) | 5.5588% | 1,579 |
| Cash dividends to net income (ytd only)* | 57.4014% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 3,792 |
| Loan loss allowance to noncurrent loans | 52.5983% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 3.0360% | 2,392 |
| Noncurrent loans to loans | 2.9216% | 2,731 |
| Net loans and leases to total assets | 58.0617% | 5,256 |
| Net loans and leases to deposits | 69.7921% | 5,181 |
| Net loans and leases to core deposits | 75.6425% | 5,105 |
| Total domestic deposits to total assets | 83.1925% | 4,511 |
| Equity capital to assets | 10.9497% | 3,005 |
| Core capital (leverage) ratio | 9.9911% | 3,264 |
| Tier 1 risk-based capital ratio | 14.2415% | 3,672 |
| Total risk-based capital ratio | 15.4923% | 3,630 |
| Memoranda: | ||
| Average total assets | $236,210,000 | 2,713 |
| Average earning assets | $213,563,750 | 2,747 |
| Average equity | $24,622,750 | 2,636 |
| Average total loans | $140,486,500 | 2,971 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6907% | 248 |
| Cost of funding earning assets | 2.4208% | 222 |
| Net interest margin | 4.2699% | 1,890 |
| Noninterest income to average assets | 0.5594% | 3,633 |
| Noninterest expense to average assets | 2.4619% | 5,870 |
| Loan and lease loss provision to assets | 0.5313% | 2,659 |
| Net operating income to assets | 1.0643% | 1,969 |
| Return on assets (ROA) | 1.2734% | 1,439 |
| Pretax return on assets | 1.7044% | 1,047 |
| Return on Equity (ROE) | 12.4284% | 1,364 |
| Retained earnings to average equity (ytd only) | 1.9082% | 4,916 |
| Net charge-offs to loans | 0.6342% | 2,642 |
| Credit loss provision to net charge-offs | 140.4494% | 2,850 |
| Earnings coverage of net charge-offs (x) | 5.1730% | 2,733 |
| Efficiency ratio | 55.7137% | 6,673 |
| Assets per employee ($millions) | 5.1432% | 1,994 |
| Cash dividends to net income (ytd only)* | 84.6462% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 4,636 |
| Loan loss allowance to noncurrent loans | 82.0722% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 2.3954% | 3,003 |
| Noncurrent loans to loans | 1.6541% | 4,223 |
| Net loans and leases to total assets | 59.9335% | 5,070 |
| Net loans and leases to deposits | 71.9737% | 4,998 |
| Net loans and leases to core deposits | 77.9618% | 4,959 |
| Total domestic deposits to total assets | 83.2715% | 4,458 |
| Equity capital to assets | 10.6717% | 3,199 |
| Core capital (leverage) ratio | 9.4206% | 3,931 |
| Tier 1 risk-based capital ratio | 13.0852% | 4,371 |
| Total risk-based capital ratio | 14.2354% | 4,418 |
| Memoranda: | ||
| Average total assets | $235,270,000 | 2,749 |
| Average earning assets | $212,653,330 | 2,780 |
| Average equity | $24,106,000 | 2,684 |
| Average total loans | $140,331,670 | 3,005 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5231% | 344 |
| Cost of funding earning assets | 2.4588% | 253 |
| Net interest margin | 4.0643% | 2,591 |
| Noninterest income to average assets | 0.5161% | 3,928 |
| Noninterest expense to average assets | 2.4369% | 5,958 |
| Loan and lease loss provision to assets | 0.5481% | 2,310 |
| Net operating income to assets | 0.9023% | 2,533 |
| Return on assets (ROA) | 1.1552% | 1,743 |
| Pretax return on assets | 1.5397% | 1,420 |
| Return on Equity (ROE) | 11.5080% | 1,641 |
| Retained earnings to average equity (ytd only) | -5.3424% | 6,616 |
| Net charge-offs to loans | 0.9873% | 1,660 |
| Credit loss provision to net charge-offs | 93.9306% | 3,565 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,051 |
| Efficiency ratio | 58.1957% | 6,460 |
| Assets per employee ($millions) | 5.1002% | 2,094 |
| Cash dividends to net income (ytd only)* | 146.4234% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 5,417 |
| Loan loss allowance to noncurrent loans | 54.8315% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 2.6112% | 2,790 |
| Noncurrent loans to loans | 2.2194% | 3,501 |
| Net loans and leases to total assets | 59.0960% | 5,271 |
| Net loans and leases to deposits | 72.0584% | 5,038 |
| Net loans and leases to core deposits | 78.6494% | 4,943 |
| Total domestic deposits to total assets | 82.0113% | 5,067 |
| Equity capital to assets | 10.0551% | 3,793 |
| Core capital (leverage) ratio | 9.1769% | 4,262 |
| Tier 1 risk-based capital ratio | 12.5147% | 4,731 |
| Total risk-based capital ratio | 13.5236% | 4,893 |
| Memoranda: | ||
| Average total assets | $237,183,500 | 2,793 |
| Average earning assets | $214,254,500 | 2,813 |
| Average equity | $23,809,500 | 2,738 |
| Average total loans | $140,187,000 | 3,075 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8897% | 327 |
| Cost of funding earning assets | 2.7772% | 475 |
| Net interest margin | 4.1125% | 2,399 |
| Noninterest income to average assets | 0.5973% | 3,649 |
| Noninterest expense to average assets | 2.3177% | 6,700 |
| Loan and lease loss provision to assets | 0.2715% | 5,238 |
| Net operating income to assets | 1.4692% | 719 |
| Return on assets (ROA) | 1.4692% | 780 |
| Pretax return on assets | 1.7604% | 689 |
| Return on Equity (ROE) | 14.3473% | 730 |
| Retained earnings to average equity (ytd only) | 7.0904% | 934 |
| Net charge-offs to loans | 0.5409% | 3,630 |
| Credit loss provision to net charge-offs | 79.8153% | 6,281 |
| Earnings coverage of net charge-offs (x) | 5.9736% | 2,458 |
| Efficiency ratio | 53.2859% | 7,297 |
| Assets per employee ($millions) | 5.1013% | 2,086 |
| Cash dividends to net income (ytd only)* | 50.5803% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 5,144 |
| Loan loss allowance to noncurrent loans | 30.7214% | 6,421 |
| Noncurrent assets plus other real estate owned to assets | 3.0339% | 2,302 |
| Noncurrent loans to loans | 4.0194% | 1,847 |
| Net loans and leases to total assets | 57.6800% | 5,710 |
| Net loans and leases to deposits | 71.9201% | 5,339 |
| Net loans and leases to core deposits | 104.0454% | 3,574 |
| Total domestic deposits to total assets | 80.2001% | 5,615 |
| Equity capital to assets | 10.0221% | 3,724 |
| Core capital (leverage) ratio | 9.5390% | 3,671 |
| Tier 1 risk-based capital ratio | 12.9973% | 4,144 |
| Total risk-based capital ratio | 14.0214% | 4,245 |
| Memoranda: | ||
| Average total assets | $222,848,200 | 2,906 |
| Average earning assets | $203,332,600 | 2,929 |
| Average equity | $22,819,600 | 2,849 |
| Average total loans | $140,124,600 | 3,081 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9618% | 320 |
| Cost of funding earning assets | 2.8199% | 572 |
| Net interest margin | 4.1419% | 2,240 |
| Noninterest income to average assets | 0.6141% | 3,592 |
| Noninterest expense to average assets | 2.3285% | 6,629 |
| Loan and lease loss provision to assets | 0.1311% | 6,043 |
| Net operating income to assets | 1.4960% | 821 |
| Return on assets (ROA) | 1.4960% | 878 |
| Pretax return on assets | 1.9437% | 599 |
| Return on Equity (ROE) | 14.5248% | 833 |
| Retained earnings to average equity (ytd only) | 6.3594% | 1,786 |
| Net charge-offs to loans | 0.5546% | 3,017 |
| Credit loss provision to net charge-offs | 36.8782% | 6,453 |
| Earnings coverage of net charge-offs (x) | 5.8354% | 2,722 |
| Efficiency ratio | 52.8809% | 7,340 |
| Assets per employee ($millions) | 5.5196% | 1,598 |
| Cash dividends to net income (ytd only)* | 56.2169% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 5,717 |
| Loan loss allowance to noncurrent loans | 53.3099% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 1.7630% | 3,718 |
| Noncurrent loans to loans | 2.0648% | 3,544 |
| Net loans and leases to total assets | 58.6784% | 5,780 |
| Net loans and leases to deposits | 72.9403% | 5,517 |
| Net loans and leases to core deposits | 108.2369% | 3,438 |
| Total domestic deposits to total assets | 80.4472% | 5,270 |
| Equity capital to assets | 10.5740% | 3,432 |
| Core capital (leverage) ratio | 9.7111% | 3,628 |
| Tier 1 risk-based capital ratio | 13.1981% | 4,055 |
| Total risk-based capital ratio | 14.1319% | 4,212 |
| Memoranda: | ||
| Average total assets | $218,620,500 | 2,980 |
| Average earning assets | $200,000,250 | 2,983 |
| Average equity | $22,517,250 | 2,909 |
| Average total loans | $140,150,250 | 3,114 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0342% | 302 |
| Cost of funding earning assets | 2.8773% | 645 |
| Net interest margin | 4.1569% | 2,134 |
| Noninterest income to average assets | 0.5863% | 3,798 |
| Noninterest expense to average assets | 2.3546% | 6,612 |
| Loan and lease loss provision to assets | 0.1307% | 5,787 |
| Net operating income to assets | 1.4813% | 869 |
| Return on assets (ROA) | 1.4835% | 926 |
| Pretax return on assets | 1.8981% | 697 |
| Return on Equity (ROE) | 14.5433% | 897 |
| Retained earnings to average equity (ytd only) | 6.2511% | 1,905 |
| Net charge-offs to loans | 0.5361% | 2,723 |
| Credit loss provision to net charge-offs | 37.0370% | 5,942 |
| Earnings coverage of net charge-offs (x) | 5.7407% | 2,770 |
| Efficiency ratio | 53.7511% | 7,355 |
| Assets per employee ($millions) | 5.3533% | 1,717 |
| Cash dividends to net income (ytd only)* | 57.0170% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 5,065 |
| Loan loss allowance to noncurrent loans | 54.5998% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.5664% | 3,879 |
| Noncurrent loans to loans | 2.1639% | 3,292 |
| Net loans and leases to total assets | 62.6482% | 5,243 |
| Net loans and leases to deposits | 77.6188% | 4,928 |
| Net loans and leases to core deposits | 111.7292% | 3,166 |
| Total domestic deposits to total assets | 80.7127% | 5,187 |
| Equity capital to assets | 9.9451% | 4,025 |
| Core capital (leverage) ratio | 9.8257% | 3,484 |
| Tier 1 risk-based capital ratio | 13.0291% | 4,125 |
| Total risk-based capital ratio | 14.0487% | 4,203 |
| Memoranda: | ||
| Average total assets | $214,219,670 | 3,053 |
| Average earning assets | $195,530,670 | 3,067 |
| Average equity | $21,852,000 | 2,989 |
| Average total loans | $141,019,000 | 3,125 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0375% | 313 |
| Cost of funding earning assets | 2.8788% | 809 |
| Net interest margin | 4.1587% | 2,055 |
| Noninterest income to average assets | 0.5898% | 3,626 |
| Noninterest expense to average assets | 2.2629% | 6,653 |
| Loan and lease loss provision to assets | 0.0851% | 5,865 |
| Net operating income to assets | 1.5332% | 883 |
| Return on assets (ROA) | 1.5332% | 959 |
| Pretax return on assets | 2.0379% | 623 |
| Return on Equity (ROE) | 14.8372% | 1,007 |
| Retained earnings to average equity (ytd only) | 8.4888% | 1,636 |
| Net charge-offs to loans | 0.1353% | 3,877 |
| Credit loss provision to net charge-offs | 93.7500% | 3,926 |
| Earnings coverage of net charge-offs (x) | 23.3958% | 1,280 |
| Efficiency ratio | 51.5948% | 7,455 |
| Assets per employee ($millions) | 5.2267% | 1,827 |
| Cash dividends to net income (ytd only)* | 42.7867% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 3,917 |
| Loan loss allowance to noncurrent loans | 61.9314% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 1.5609% | 3,591 |
| Noncurrent loans to loans | 2.1466% | 3,058 |
| Net loans and leases to total assets | 65.0785% | 4,798 |
| Net loans and leases to deposits | 81.1871% | 4,425 |
| Net loans and leases to core deposits | 116.9623% | 2,686 |
| Total domestic deposits to total assets | 80.1587% | 5,304 |
| Equity capital to assets | 10.2737% | 3,677 |
| Core capital (leverage) ratio | 10.0717% | 3,321 |
| Tier 1 risk-based capital ratio | 12.9622% | 4,206 |
| Total risk-based capital ratio | 14.1338% | 4,189 |
| Memoranda: | ||
| Average total assets | $211,586,500 | 3,097 |
| Average earning assets | $193,136,000 | 3,111 |
| Average equity | $21,864,000 | 2,994 |
| Average total loans | $141,954,500 | 3,135 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4871% | 420 |
| Cost of funding earning assets | 3.4116% | 694 |
| Net interest margin | 4.0754% | 2,811 |
| Noninterest income to average assets | 0.6419% | 3,535 |
| Noninterest expense to average assets | 2.2354% | 6,875 |
| Loan and lease loss provision to assets | 0.0839% | 6,340 |
| Net operating income to assets | 1.5553% | 918 |
| Return on assets (ROA) | 1.6499% | 720 |
| Pretax return on assets | 2.1650% | 431 |
| Return on Equity (ROE) | 15.4087% | 863 |
| Retained earnings to average equity (ytd only) | -5.4207% | 6,572 |
| Net charge-offs to loans | 0.1557% | 4,637 |
| Credit loss provision to net charge-offs | 82.1918% | 5,857 |
| Earnings coverage of net charge-offs (x) | 20.8082% | 1,558 |
| Efficiency ratio | 51.2725% | 7,566 |
| Assets per employee ($millions) | 4.9733% | 1,967 |
| Cash dividends to net income (ytd only)* | 135.1794% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 3,652 |
| Loan loss allowance to noncurrent loans | 280.0595% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4898% | 5,739 |
| Noncurrent loans to loans | 0.4713% | 5,931 |
| Net loans and leases to total assets | 67.3541% | 4,575 |
| Net loans and leases to deposits | 84.3246% | 4,379 |
| Net loans and leases to core deposits | 119.2938% | 2,761 |
| Total domestic deposits to total assets | 79.8749% | 5,072 |
| Equity capital to assets | 10.3946% | 3,618 |
| Core capital (leverage) ratio | 10.0009% | 3,448 |
| Tier 1 risk-based capital ratio | 12.6886% | 4,298 |
| Total risk-based capital ratio | 13.8635% | 4,267 |
| Memoranda: | ||
| Average total assets | $214,503,600 | 2,944 |
| Average earning assets | $195,684,200 | 2,949 |
| Average equity | $22,967,600 | 2,855 |
| Average total loans | $140,696,800 | 3,084 |