Home > South Side Trust & Savings Bank of Peoria > Performance and Condition Ratios
South Side Trust & Savings Bank of Peoria, Performance and Condition Ratios
| 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 | 0.8308% | 5,658 |
| Cost of funding earning assets | 0.0902% | 5,529 |
| Net interest margin | 0.7406% | 5,658 |
| Noninterest income to average assets | 0.2583% | 4,586 |
| Noninterest expense to average assets | 0.6707% | 5,641 |
| Loan and lease loss provision to assets | 0.0329% | 3,606 |
| Net operating income to assets | 0.2909% | 4,944 |
| Return on assets (ROA) | 0.2909% | 4,960 |
| Pretax return on assets | 0.2225% | 5,286 |
| Return on Equity (ROE) | 2.0989% | 5,039 |
| Retained earnings to average equity (ytd only) | 2.0989% | 4,060 |
| Net charge-offs to loans | 0.0038% | 3,968 |
| Credit loss provision to net charge-offs | 1,585.7143% | 248 |
| Earnings coverage of net charge-offs (x) | 123.0714% | 548 |
| Efficiency ratio | 65.0608% | 3,432 |
| Assets per employee ($millions) | 4.9851% | 2,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0593% | 5,611 |
| Loan loss allowance to noncurrent loans | 4.6028% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 0.6550% | 2,361 |
| Noncurrent loans to loans | 1.2891% | 1,358 |
| Net loans and leases to total assets | 49.1441% | 4,696 |
| Net loans and leases to deposits | 69.2885% | 3,928 |
| Net loans and leases to core deposits | 71.2382% | 4,101 |
| Total domestic deposits to total assets | 70.9268% | 5,369 |
| Equity capital to assets | 19.7332% | 219 |
| Core capital (leverage) ratio | 12.7518% | 1,237 |
| Tier 1 risk-based capital ratio | 22.5523% | 955 |
| Total risk-based capital ratio | 22.6076% | 1,066 |
| Memoranda: | ||
| Average total assets | $674,695,400 | 1,081 |
| Average earning assets | $608,320,400 | 1,104 |
| Average equity | $93,523,400 | 878 |
| Average total loans | $369,682,200 | 1,314 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1662% | 5,274 |
| Cost of funding earning assets | 0.3248% | 3,892 |
| Net interest margin | 2.8413% | 5,167 |
| Noninterest income to average assets | 1.1380% | 782 |
| Noninterest expense to average assets | 2.5457% | 3,580 |
| Loan and lease loss provision to assets | 0.0541% | 3,010 |
| Net operating income to assets | 0.8577% | 3,244 |
| Return on assets (ROA) | 0.8740% | 3,204 |
| Pretax return on assets | 1.1722% | 3,014 |
| Return on Equity (ROE) | 7.1122% | 3,595 |
| Retained earnings to average equity (ytd only) | 3.4892% | 3,840 |
| Net charge-offs to loans | 0.1157% | 1,635 |
| Credit loss provision to net charge-offs | 83.0769% | 2,539 |
| Earnings coverage of net charge-offs (x) | 18.4924% | 2,044 |
| Efficiency ratio | 67.8781% | 2,892 |
| Assets per employee ($millions) | 4.4422% | 3,252 |
| Cash dividends to net income (ytd only)* | 50.9404% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 2,234 |
| Loan loss allowance to noncurrent loans | 64.0758% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 1.1735% | 1,404 |
| Noncurrent loans to loans | 2.0691% | 812 |
| Net loans and leases to total assets | 55.5276% | 4,272 |
| Net loans and leases to deposits | 72.0080% | 3,773 |
| Net loans and leases to core deposits | 74.5854% | 3,924 |
| Total domestic deposits to total assets | 77.1131% | 4,862 |
| Equity capital to assets | 12.6252% | 1,587 |
| Core capital (leverage) ratio | 12.5677% | 1,391 |
| Tier 1 risk-based capital ratio | 18.4418% | 1,746 |
| Total risk-based capital ratio | 19.5391% | 1,742 |
| Memoranda: | ||
| Average total assets | $665,151,000 | 1,102 |
| Average earning assets | $611,572,250 | 1,107 |
| Average equity | $81,736,000 | 997 |
| Average total loans | $374,467,000 | 1,311 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1621% | 5,289 |
| Cost of funding earning assets | 0.3142% | 3,939 |
| Net interest margin | 2.8479% | 5,173 |
| Noninterest income to average assets | 1.2044% | 708 |
| Noninterest expense to average assets | 2.5556% | 3,563 |
| Loan and lease loss provision to assets | 0.0539% | 2,896 |
| Net operating income to assets | 0.9240% | 2,785 |
| Return on assets (ROA) | 0.9486% | 2,726 |
| Pretax return on assets | 1.2442% | 2,611 |
| Return on Equity (ROE) | 7.7896% | 3,149 |
| Retained earnings to average equity (ytd only) | 4.5109% | 3,024 |
| Net charge-offs to loans | 0.0505% | 2,207 |
| Credit loss provision to net charge-offs | 189.4737% | 1,322 |
| Earnings coverage of net charge-offs (x) | 44.4842% | 1,167 |
| Efficiency ratio | 66.8757% | 3,199 |
| Assets per employee ($millions) | 4.0662% | 3,852 |
| Cash dividends to net income (ytd only)* | 42.0903% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 2,167 |
| Loan loss allowance to noncurrent loans | 65.0419% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.1700% | 1,460 |
| Noncurrent loans to loans | 2.0775% | 798 |
| Net loans and leases to total assets | 55.5598% | 4,260 |
| Net loans and leases to deposits | 71.3523% | 3,794 |
| Net loans and leases to core deposits | 73.9342% | 3,944 |
| Total domestic deposits to total assets | 77.8670% | 4,836 |
| Equity capital to assets | 12.4987% | 1,623 |
| Core capital (leverage) ratio | 12.2196% | 1,521 |
| Tier 1 risk-based capital ratio | 18.2803% | 1,782 |
| Total risk-based capital ratio | 19.4044% | 1,769 |
| Memoranda: | ||
| Average total assets | $667,719,330 | 1,102 |
| Average earning assets | $613,577,670 | 1,107 |
| Average equity | $81,313,330 | 1,002 |
| Average total loans | $375,966,330 | 1,313 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1322% | 5,330 |
| Cost of funding earning assets | 0.3075% | 3,962 |
| Net interest margin | 2.8247% | 5,205 |
| Noninterest income to average assets | 1.4038% | 542 |
| Noninterest expense to average assets | 2.4972% | 3,812 |
| Loan and lease loss provision to assets | 0.0537% | 2,729 |
| Net operating income to assets | 1.1543% | 1,648 |
| Return on assets (ROA) | 1.1543% | 1,685 |
| Pretax return on assets | 1.4462% | 1,707 |
| Return on Equity (ROE) | 9.6040% | 2,140 |
| Retained earnings to average equity (ytd only) | 9.6040% | 902 |
| Net charge-offs to loans | 0.0922% | 1,429 |
| Credit loss provision to net charge-offs | 103.4483% | 1,529 |
| Earnings coverage of net charge-offs (x) | 28.8851% | 1,242 |
| Efficiency ratio | 62.4757% | 4,077 |
| Assets per employee ($millions) | 4.1180% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 2,411 |
| Loan loss allowance to noncurrent loans | 70.1385% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.0789% | 1,658 |
| Noncurrent loans to loans | 1.8907% | 966 |
| Net loans and leases to total assets | 54.6811% | 4,286 |
| Net loans and leases to deposits | 69.4839% | 3,856 |
| Net loans and leases to core deposits | 71.8464% | 3,996 |
| Total domestic deposits to total assets | 78.6961% | 4,883 |
| Equity capital to assets | 12.1137% | 1,763 |
| Core capital (leverage) ratio | 12.3776% | 1,405 |
| Tier 1 risk-based capital ratio | 18.3757% | 1,771 |
| Total risk-based capital ratio | 19.4767% | 1,767 |
| Memoranda: | ||
| Average total assets | $670,180,500 | 1,096 |
| Average earning assets | $615,278,000 | 1,101 |
| Average equity | $80,549,500 | 1,010 |
| Average total loans | $377,303,000 | 1,314 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2252% | 5,262 |
| Cost of funding earning assets | 0.2882% | 4,187 |
| Net interest margin | 2.9370% | 5,066 |
| Noninterest income to average assets | 1.0194% | 1,090 |
| Noninterest expense to average assets | 2.5245% | 3,942 |
| Loan and lease loss provision to assets | 0.0182% | 4,013 |
| Net operating income to assets | 1.0162% | 2,282 |
| Return on assets (ROA) | 1.0323% | 2,319 |
| Pretax return on assets | 1.1910% | 2,712 |
| Return on Equity (ROE) | 8.4362% | 2,718 |
| Retained earnings to average equity (ytd only) | 2.1545% | 4,308 |
| Net charge-offs to loans | 0.1738% | 1,574 |
| Credit loss provision to net charge-offs | 18.7793% | 3,681 |
| Earnings coverage of net charge-offs (x) | 12.3130% | 2,462 |
| Efficiency ratio | 67.9498% | 3,242 |
| Assets per employee ($millions) | 4.0304% | 3,912 |
| Cash dividends to net income (ytd only)* | 74.4612% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 2,527 |
| Loan loss allowance to noncurrent loans | 66.1994% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.1657% | 1,566 |
| Noncurrent loans to loans | 1.9695% | 916 |
| Net loans and leases to total assets | 56.4495% | 4,220 |
| Net loans and leases to deposits | 71.9659% | 3,713 |
| Net loans and leases to core deposits | 75.2921% | 3,814 |
| Total domestic deposits to total assets | 78.4392% | 4,903 |
| Equity capital to assets | 11.9230% | 1,863 |
| Core capital (leverage) ratio | 12.2599% | 1,449 |
| Tier 1 risk-based capital ratio | 17.9052% | 1,875 |
| Total risk-based capital ratio | 18.9979% | 1,883 |
| Memoranda: | ||
| Average total assets | $660,761,600 | 1,073 |
| Average earning assets | $606,498,000 | 1,074 |
| Average equity | $80,854,200 | 980 |
| Average total loans | $367,578,000 | 1,280 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2675% | 5,253 |
| Cost of funding earning assets | 0.2845% | 4,261 |
| Net interest margin | 2.9830% | 5,046 |
| Noninterest income to average assets | 1.0330% | 1,068 |
| Noninterest expense to average assets | 2.5063% | 3,969 |
| Loan and lease loss provision to assets | 0.0182% | 3,882 |
| Net operating income to assets | 0.7988% | 3,368 |
| Return on assets (ROA) | 0.8050% | 3,484 |
| Pretax return on assets | 1.2579% | 2,587 |
| Return on Equity (ROE) | 6.5364% | 3,815 |
| Retained earnings to average equity (ytd only) | 2.1712% | 4,607 |
| Net charge-offs to loans | 0.1848% | 1,268 |
| Credit loss provision to net charge-offs | 17.8218% | 3,310 |
| Earnings coverage of net charge-offs (x) | 12.4079% | 2,395 |
| Efficiency ratio | 66.4327% | 3,514 |
| Assets per employee ($millions) | 3.9945% | 3,979 |
| Cash dividends to net income (ytd only)* | 66.7839% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 2,301 |
| Loan loss allowance to noncurrent loans | 230.8113% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 4,063 |
| Noncurrent loans to loans | 0.5971% | 3,221 |
| Net loans and leases to total assets | 54.6501% | 4,434 |
| Net loans and leases to deposits | 70.4401% | 3,944 |
| Net loans and leases to core deposits | 73.7573% | 4,020 |
| Total domestic deposits to total assets | 77.5838% | 4,986 |
| Equity capital to assets | 12.4016% | 1,838 |
| Core capital (leverage) ratio | 11.8818% | 1,760 |
| Tier 1 risk-based capital ratio | 18.1313% | 1,879 |
| Total risk-based capital ratio | 19.2941% | 1,873 |
| Memoranda: | ||
| Average total assets | $659,698,000 | 1,075 |
| Average earning assets | $605,907,500 | 1,080 |
| Average equity | $81,245,250 | 979 |
| Average total loans | $364,383,250 | 1,288 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2888% | 5,307 |
| Cost of funding earning assets | 0.2812% | 4,334 |
| Net interest margin | 3.0076% | 5,066 |
| Noninterest income to average assets | 1.0538% | 1,007 |
| Noninterest expense to average assets | 2.4875% | 4,063 |
| Loan and lease loss provision to assets | 0.0182% | 3,766 |
| Net operating income to assets | 0.8377% | 3,139 |
| Return on assets (ROA) | 0.8482% | 3,231 |
| Pretax return on assets | 1.3253% | 2,303 |
| Return on Equity (ROE) | 6.9035% | 3,602 |
| Retained earnings to average equity (ytd only) | 1.7327% | 4,696 |
| Net charge-offs to loans | 0.0363% | 2,731 |
| Credit loss provision to net charge-offs | 90.9091% | 2,226 |
| Earnings coverage of net charge-offs (x) | 66.2121% | 817 |
| Efficiency ratio | 65.2098% | 3,806 |
| Assets per employee ($millions) | 3.9759% | 3,962 |
| Cash dividends to net income (ytd only)* | 74.9015% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 1,834 |
| Loan loss allowance to noncurrent loans | 271.0748% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 4,284 |
| Noncurrent loans to loans | 0.5556% | 3,400 |
| Net loans and leases to total assets | 53.9081% | 4,521 |
| Net loans and leases to deposits | 68.7486% | 4,108 |
| Net loans and leases to core deposits | 72.1700% | 4,160 |
| Total domestic deposits to total assets | 78.4134% | 4,912 |
| Equity capital to assets | 12.2742% | 1,922 |
| Core capital (leverage) ratio | 11.9084% | 1,696 |
| Tier 1 risk-based capital ratio | 18.3073% | 1,848 |
| Total risk-based capital ratio | 19.5575% | 1,813 |
| Memoranda: | ||
| Average total assets | $658,568,670 | 1,081 |
| Average earning assets | $604,532,670 | 1,080 |
| Average equity | $80,916,000 | 986 |
| Average total loans | $363,364,000 | 1,291 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3076% | 5,309 |
| Cost of funding earning assets | 0.2781% | 4,413 |
| Net interest margin | 3.0295% | 5,044 |
| Noninterest income to average assets | 1.0472% | 988 |
| Noninterest expense to average assets | 2.4651% | 4,181 |
| Loan and lease loss provision to assets | 0.0183% | 3,451 |
| Net operating income to assets | 0.8582% | 2,957 |
| Return on assets (ROA) | 0.8691% | 3,018 |
| Pretax return on assets | 1.3582% | 2,057 |
| Return on Equity (ROE) | 7.0698% | 3,416 |
| Retained earnings to average equity (ytd only) | 6.8167% | 1,969 |
| Net charge-offs to loans | 0.0517% | 2,009 |
| Credit loss provision to net charge-offs | 63.8298% | 1,952 |
| Earnings coverage of net charge-offs (x) | 47.4255% | 910 |
| Efficiency ratio | 64.4554% | 4,049 |
| Assets per employee ($millions) | 3.8885% | 4,141 |
| Cash dividends to net income (ytd only)* | 3.5789% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 1,975 |
| Loan loss allowance to noncurrent loans | 270.9325% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 4,170 |
| Noncurrent loans to loans | 0.5547% | 3,523 |
| Net loans and leases to total assets | 54.1540% | 4,435 |
| Net loans and leases to deposits | 68.4963% | 4,007 |
| Net loans and leases to core deposits | 72.2844% | 4,045 |
| Total domestic deposits to total assets | 79.0612% | 4,957 |
| Equity capital to assets | 12.3546% | 1,781 |
| Core capital (leverage) ratio | 12.2245% | 1,485 |
| Tier 1 risk-based capital ratio | 18.8302% | 1,768 |
| Total risk-based capital ratio | 20.0804% | 1,740 |
| Memoranda: | ||
| Average total assets | $655,865,000 | 1,075 |
| Average earning assets | $601,277,500 | 1,077 |
| Average equity | $80,625,000 | 988 |
| Average total loans | $363,341,000 | 1,289 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3650% | 5,234 |
| Cost of funding earning assets | 0.2650% | 4,642 |
| Net interest margin | 3.1000% | 4,901 |
| Noninterest income to average assets | 1.0175% | 1,140 |
| Noninterest expense to average assets | 2.4933% | 4,248 |
| Loan and lease loss provision to assets | 0.0344% | 3,664 |
| Net operating income to assets | 0.8698% | 3,019 |
| Return on assets (ROA) | 0.8993% | 2,953 |
| Pretax return on assets | 1.3611% | 2,065 |
| Return on Equity (ROE) | 7.3047% | 3,358 |
| Retained earnings to average equity (ytd only) | 1.0038% | 5,114 |
| Net charge-offs to loans | 0.1624% | 1,744 |
| Credit loss provision to net charge-offs | 38.5274% | 3,546 |
| Earnings coverage of net charge-offs (x) | 15.1250% | 2,226 |
| Efficiency ratio | 64.8592% | 4,104 |
| Assets per employee ($millions) | 3.8051% | 4,281 |
| Cash dividends to net income (ytd only)* | 86.2585% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 1,962 |
| Loan loss allowance to noncurrent loans | 205.2454% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.4501% | 3,812 |
| Noncurrent loans to loans | 0.7348% | 2,974 |
| Net loans and leases to total assets | 54.9820% | 4,393 |
| Net loans and leases to deposits | 70.3534% | 3,883 |
| Net loans and leases to core deposits | 73.5650% | 3,985 |
| Total domestic deposits to total assets | 78.1512% | 5,137 |
| Equity capital to assets | 12.2303% | 1,789 |
| Core capital (leverage) ratio | 11.9669% | 1,638 |
| Tier 1 risk-based capital ratio | 18.2422% | 1,898 |
| Total risk-based capital ratio | 19.4926% | 1,863 |
| Memoranda: | ||
| Average total assets | $653,876,800 | 1,045 |
| Average earning assets | $596,229,400 | 1,047 |
| Average equity | $80,495,800 | 945 |
| Average total loans | $359,702,000 | 1,259 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3657% | 5,284 |
| Cost of funding earning assets | 0.2620% | 4,759 |
| Net interest margin | 3.1036% | 4,958 |
| Noninterest income to average assets | 1.0195% | 1,145 |
| Noninterest expense to average assets | 2.4584% | 4,326 |
| Loan and lease loss provision to assets | 0.0458% | 3,291 |
| Net operating income to assets | 0.8591% | 3,127 |
| Return on assets (ROA) | 0.8971% | 3,063 |
| Pretax return on assets | 1.4018% | 2,006 |
| Return on Equity (ROE) | 7.2756% | 3,483 |
| Retained earnings to average equity (ytd only) | 4.8691% | 3,011 |
| Net charge-offs to loans | 0.1416% | 1,706 |
| Credit loss provision to net charge-offs | 59.0551% | 2,918 |
| Earnings coverage of net charge-offs (x) | 17.8897% | 2,037 |
| Efficiency ratio | 63.9117% | 4,265 |
| Assets per employee ($millions) | 3.8986% | 4,087 |
| Cash dividends to net income (ytd only)* | 33.0761% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5827% | 1,846 |
| Loan loss allowance to noncurrent loans | 203.8751% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 3,972 |
| Noncurrent loans to loans | 0.7763% | 3,024 |
| Net loans and leases to total assets | 53.6271% | 4,602 |
| Net loans and leases to deposits | 69.7063% | 4,019 |
| Net loans and leases to core deposits | 72.0615% | 4,185 |
| Total domestic deposits to total assets | 76.9330% | 5,351 |
| Equity capital to assets | 12.4677% | 1,762 |
| Core capital (leverage) ratio | 12.2305% | 1,550 |
| Tier 1 risk-based capital ratio | 18.7677% | 1,833 |
| Total risk-based capital ratio | 20.0185% | 1,799 |
| Memoranda: | ||
| Average total assets | $654,676,000 | 1,053 |
| Average earning assets | $596,319,750 | 1,057 |
| Average equity | $80,724,750 | 947 |
| Average total loans | $358,818,750 | 1,267 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3899% | 5,255 |
| Cost of funding earning assets | 0.2591% | 4,845 |
| Net interest margin | 3.1308% | 4,881 |
| Noninterest income to average assets | 1.0109% | 1,156 |
| Noninterest expense to average assets | 2.4495% | 4,402 |
| Loan and lease loss provision to assets | 0.0459% | 3,197 |
| Net operating income to assets | 0.8753% | 3,015 |
| Return on assets (ROA) | 0.9325% | 2,839 |
| Pretax return on assets | 1.4573% | 1,777 |
| Return on Equity (ROE) | 7.5912% | 3,264 |
| Retained earnings to average equity (ytd only) | 4.5856% | 3,117 |
| Net charge-offs to loans | 0.2241% | 1,144 |
| Credit loss provision to net charge-offs | 37.3134% | 2,850 |
| Earnings coverage of net charge-offs (x) | 11.4876% | 2,291 |
| Efficiency ratio | 63.4044% | 4,446 |
| Assets per employee ($millions) | 3.9602% | 3,958 |
| Cash dividends to net income (ytd only)* | 39.5929% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5476% | 2,088 |
| Loan loss allowance to noncurrent loans | 200.3587% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 3,918 |
| Noncurrent loans to loans | 0.7724% | 3,180 |
| Net loans and leases to total assets | 54.0573% | 4,548 |
| Net loans and leases to deposits | 69.8844% | 3,947 |
| Net loans and leases to core deposits | 73.0773% | 4,033 |
| Total domestic deposits to total assets | 77.3525% | 5,400 |
| Equity capital to assets | 12.2052% | 1,874 |
| Core capital (leverage) ratio | 12.0761% | 1,610 |
| Tier 1 risk-based capital ratio | 18.4154% | 1,944 |
| Total risk-based capital ratio | 19.6659% | 1,911 |
| Memoranda: | ||
| Average total assets | $653,278,670 | 1,060 |
| Average earning assets | $595,178,330 | 1,069 |
| Average equity | $80,251,000 | 959 |
| Average total loans | $358,753,670 | 1,271 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4068% | 5,185 |
| Cost of funding earning assets | 0.2614% | 4,890 |
| Net interest margin | 3.1454% | 4,799 |
| Noninterest income to average assets | 1.0043% | 1,113 |
| Noninterest expense to average assets | 2.4624% | 4,397 |
| Loan and lease loss provision to assets | 0.0461% | 3,003 |
| Net operating income to assets | 0.8722% | 2,887 |
| Return on assets (ROA) | 0.8722% | 3,010 |
| Pretax return on assets | 1.3630% | 2,026 |
| Return on Equity (ROE) | 7.0771% | 3,465 |
| Retained earnings to average equity (ytd only) | 7.0771% | 1,978 |
| Net charge-offs to loans | 0.3702% | 659 |
| Credit loss provision to net charge-offs | 22.6586% | 2,338 |
| Earnings coverage of net charge-offs (x) | 6.9305% | 2,228 |
| Efficiency ratio | 63.6046% | 4,537 |
| Assets per employee ($millions) | 3.9361% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5772% | 2,134 |
| Loan loss allowance to noncurrent loans | 231.8106% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 4,299 |
| Noncurrent loans to loans | 0.6804% | 3,577 |
| Net loans and leases to total assets | 52.6752% | 4,591 |
| Net loans and leases to deposits | 66.7848% | 4,070 |
| Net loans and leases to core deposits | 70.0503% | 4,151 |
| Total domestic deposits to total assets | 78.8730% | 5,286 |
| Equity capital to assets | 12.3132% | 1,815 |
| Core capital (leverage) ratio | 12.1844% | 1,520 |
| Tier 1 risk-based capital ratio | 18.4321% | 2,024 |
| Total risk-based capital ratio | 19.7282% | 1,958 |
| Memoranda: | ||
| Average total assets | $651,221,500 | 1,066 |
| Average earning assets | $593,633,000 | 1,070 |
| Average equity | $80,258,500 | 955 |
| Average total loans | $357,653,000 | 1,273 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4275% | 5,471 |
| Cost of funding earning assets | 0.2784% | 5,016 |
| Net interest margin | 3.1490% | 5,074 |
| Noninterest income to average assets | 0.9738% | 1,273 |
| Noninterest expense to average assets | 2.4287% | 4,763 |
| Loan and lease loss provision to assets | 0.0951% | 2,561 |
| Net operating income to assets | 0.8559% | 3,084 |
| Return on assets (ROA) | 0.8986% | 2,971 |
| Pretax return on assets | 1.3960% | 1,902 |
| Return on Equity (ROE) | 7.6845% | 3,284 |
| Retained earnings to average equity (ytd only) | 1.8272% | 4,889 |
| Net charge-offs to loans | 0.1042% | 3,021 |
| Credit loss provision to net charge-offs | 168.0000% | 1,456 |
| Earnings coverage of net charge-offs (x) | 25.1547% | 1,508 |
| Efficiency ratio | 63.0325% | 4,751 |
| Assets per employee ($millions) | 3.9096% | 4,146 |
| Cash dividends to net income (ytd only)* | 76.2225% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 2,039 |
| Loan loss allowance to noncurrent loans | 177.5547% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.5694% | 3,896 |
| Noncurrent loans to loans | 0.9098% | 3,045 |
| Net loans and leases to total assets | 55.4547% | 4,397 |
| Net loans and leases to deposits | 69.7818% | 3,944 |
| Net loans and leases to core deposits | 72.5002% | 4,073 |
| Total domestic deposits to total assets | 79.4688% | 5,149 |
| Equity capital to assets | 12.3357% | 1,747 |
| Core capital (leverage) ratio | 11.9056% | 1,693 |
| Tier 1 risk-based capital ratio | 21.0963% | 1,383 |
| Total risk-based capital ratio | 22.3506% | 1,354 |
| Memoranda: | ||
| Average total assets | $662,236,000 | 1,009 |
| Average earning assets | $605,521,600 | 1,011 |
| Average equity | $77,441,200 | 947 |
| Average total loans | $359,782,000 | 1,232 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4157% | 5,564 |
| Cost of funding earning assets | 0.2799% | 5,093 |
| Net interest margin | 3.1358% | 5,160 |
| Noninterest income to average assets | 0.9592% | 1,338 |
| Noninterest expense to average assets | 2.3704% | 4,913 |
| Loan and lease loss provision to assets | 0.1049% | 2,288 |
| Net operating income to assets | 0.8615% | 3,117 |
| Return on assets (ROA) | 0.9214% | 2,912 |
| Pretax return on assets | 1.4460% | 1,823 |
| Return on Equity (ROE) | 7.9847% | 3,217 |
| Retained earnings to average equity (ytd only) | 3.2680% | 4,299 |
| Net charge-offs to loans | 0.1302% | 2,495 |
| Credit loss provision to net charge-offs | 149.5726% | 1,590 |
| Earnings coverage of net charge-offs (x) | 20.7834% | 1,706 |
| Efficiency ratio | 61.9299% | 4,892 |
| Assets per employee ($millions) | 3.9976% | 3,887 |
| Cash dividends to net income (ytd only)* | 59.0722% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6103% | 2,271 |
| Loan loss allowance to noncurrent loans | 165.3360% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.5829% | 4,097 |
| Noncurrent loans to loans | 0.9739% | 3,130 |
| Net loans and leases to total assets | 53.3284% | 4,658 |
| Net loans and leases to deposits | 67.4601% | 4,187 |
| Net loans and leases to core deposits | 70.8184% | 4,259 |
| Total domestic deposits to total assets | 79.0517% | 5,316 |
| Equity capital to assets | 11.9849% | 2,072 |
| Core capital (leverage) ratio | 11.7311% | 1,889 |
| Tier 1 risk-based capital ratio | 21.1520% | 1,425 |
| Total risk-based capital ratio | 22.4061% | 1,399 |
| Memoranda: | ||
| Average total assets | $667,502,500 | 1,014 |
| Average earning assets | $610,573,000 | 1,017 |
| Average equity | $77,028,250 | 960 |
| Average total loans | $359,378,250 | 1,239 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3950% | 5,629 |
| Cost of funding earning assets | 0.2829% | 5,152 |
| Net interest margin | 3.1120% | 5,222 |
| Noninterest income to average assets | 0.9532% | 1,321 |
| Noninterest expense to average assets | 2.3658% | 4,981 |
| Loan and lease loss provision to assets | 0.1253% | 1,971 |
| Net operating income to assets | 0.8335% | 3,160 |
| Return on assets (ROA) | 0.9231% | 2,790 |
| Pretax return on assets | 1.4516% | 1,709 |
| Return on Equity (ROE) | 8.1018% | 3,032 |
| Retained earnings to average equity (ytd only) | 0.9639% | 5,370 |
| Net charge-offs to loans | 0.1744% | 1,994 |
| Credit loss provision to net charge-offs | 133.7580% | 1,580 |
| Earnings coverage of net charge-offs (x) | 15.3344% | 1,855 |
| Efficiency ratio | 62.2116% | 4,978 |
| Assets per employee ($millions) | 4.0717% | 3,694 |
| Cash dividends to net income (ytd only)* | 88.1022% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5798% | 2,540 |
| Loan loss allowance to noncurrent loans | 181.6411% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.5122% | 4,469 |
| Noncurrent loans to loans | 0.8697% | 3,529 |
| Net loans and leases to total assets | 53.0763% | 4,636 |
| Net loans and leases to deposits | 67.0234% | 4,160 |
| Net loans and leases to core deposits | 70.1128% | 4,258 |
| Total domestic deposits to total assets | 79.1906% | 5,417 |
| Equity capital to assets | 11.6227% | 2,304 |
| Core capital (leverage) ratio | 11.4132% | 2,074 |
| Tier 1 risk-based capital ratio | 20.2411% | 1,629 |
| Total risk-based capital ratio | 21.4808% | 1,601 |
| Memoranda: | ||
| Average total assets | $670,134,670 | 1,008 |
| Average earning assets | $613,616,000 | 1,010 |
| Average equity | $76,353,330 | 962 |
| Average total loans | $359,999,670 | 1,224 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3841% | 5,682 |
| Cost of funding earning assets | 0.2887% | 5,184 |
| Net interest margin | 3.0954% | 5,268 |
| Noninterest income to average assets | 0.9587% | 1,235 |
| Noninterest expense to average assets | 2.3774% | 4,990 |
| Loan and lease loss provision to assets | 0.1251% | 1,934 |
| Net operating income to assets | 0.8270% | 3,022 |
| Return on assets (ROA) | 0.8270% | 3,091 |
| Pretax return on assets | 1.2924% | 2,118 |
| Return on Equity (ROE) | 7.3318% | 3,297 |
| Retained earnings to average equity (ytd only) | 2.6570% | 4,482 |
| Net charge-offs to loans | 0.2756% | 1,246 |
| Credit loss provision to net charge-offs | 84.6774% | 1,852 |
| Earnings coverage of net charge-offs (x) | 9.5927% | 1,924 |
| Efficiency ratio | 62.6472% | 5,042 |
| Assets per employee ($millions) | 4.1022% | 3,717 |
| Cash dividends to net income (ytd only)* | 63.7608% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 2,959 |
| Loan loss allowance to noncurrent loans | 163.0403% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 4,392 |
| Noncurrent loans to loans | 0.9463% | 3,521 |
| Net loans and leases to total assets | 52.2808% | 4,641 |
| Net loans and leases to deposits | 65.6463% | 4,133 |
| Net loans and leases to core deposits | 68.6011% | 4,247 |
| Total domestic deposits to total assets | 79.6401% | 5,560 |
| Equity capital to assets | 11.2974% | 2,428 |
| Core capital (leverage) ratio | 11.5726% | 1,917 |
| Tier 1 risk-based capital ratio | 20.7607% | 1,523 |
| Total risk-based capital ratio | 22.0139% | 1,493 |
| Memoranda: | ||
| Average total assets | $671,324,000 | 1,015 |
| Average earning assets | $615,115,000 | 1,015 |
| Average equity | $75,724,500 | 968 |
| Average total loans | $359,945,000 | 1,229 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3549% | 5,915 |
| Cost of funding earning assets | 0.3613% | 5,037 |
| Net interest margin | 2.9935% | 5,588 |
| Noninterest income to average assets | 0.9526% | 1,517 |
| Noninterest expense to average assets | 2.3325% | 5,279 |
| Loan and lease loss provision to assets | 0.1701% | 2,156 |
| Net operating income to assets | 0.7686% | 3,453 |
| Return on assets (ROA) | 0.7301% | 3,743 |
| Pretax return on assets | 1.1323% | 2,840 |
| Return on Equity (ROE) | 6.4507% | 3,852 |
| Retained earnings to average equity (ytd only) | 3.6895% | 3,590 |
| Net charge-offs to loans | 0.2888% | 2,245 |
| Credit loss provision to net charge-offs | 109.3001% | 2,204 |
| Earnings coverage of net charge-offs (x) | 8.7536% | 2,617 |
| Efficiency ratio | 63.1245% | 5,037 |
| Assets per employee ($millions) | 3.9164% | 4,033 |
| Cash dividends to net income (ytd only)* | 42.8046% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 2,963 |
| Loan loss allowance to noncurrent loans | 106.6068% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.7931% | 3,901 |
| Noncurrent loans to loans | 1.4528% | 2,713 |
| Net loans and leases to total assets | 53.3044% | 4,679 |
| Net loans and leases to deposits | 67.2853% | 4,149 |
| Net loans and leases to core deposits | 70.7360% | 4,220 |
| Total domestic deposits to total assets | 79.2214% | 5,614 |
| Equity capital to assets | 11.2621% | 2,374 |
| Core capital (leverage) ratio | 11.5130% | 1,952 |
| Tier 1 risk-based capital ratio | 20.5861% | 1,516 |
| Total risk-based capital ratio | 21.8294% | 1,496 |
| Memoranda: | ||
| Average total assets | $670,064,800 | 993 |
| Average earning assets | $613,857,000 | 993 |
| Average equity | $75,837,000 | 939 |
| Average total loans | $361,163,600 | 1,184 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3443% | 5,984 |
| Cost of funding earning assets | 0.3727% | 5,072 |
| Net interest margin | 2.9716% | 5,661 |
| Noninterest income to average assets | 0.9625% | 1,574 |
| Noninterest expense to average assets | 2.3430% | 5,202 |
| Loan and lease loss provision to assets | 0.1699% | 2,137 |
| Net operating income to assets | 0.7495% | 3,599 |
| Return on assets (ROA) | 0.6983% | 4,005 |
| Pretax return on assets | 1.0909% | 3,151 |
| Return on Equity (ROE) | 6.1624% | 4,100 |
| Retained earnings to average equity (ytd only) | 4.3601% | 3,571 |
| Net charge-offs to loans | 0.2926% | 2,074 |
| Credit loss provision to net charge-offs | 107.8184% | 2,179 |
| Earnings coverage of net charge-offs (x) | 8.5107% | 2,615 |
| Efficiency ratio | 63.6035% | 4,869 |
| Assets per employee ($millions) | 3.9458% | 3,947 |
| Cash dividends to net income (ytd only)* | 29.2460% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 3,381 |
| Loan loss allowance to noncurrent loans | 107.0629% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.7808% | 4,154 |
| Noncurrent loans to loans | 1.4182% | 3,044 |
| Net loans and leases to total assets | 53.9644% | 4,620 |
| Net loans and leases to deposits | 68.3952% | 4,017 |
| Net loans and leases to core deposits | 72.5116% | 4,030 |
| Total domestic deposits to total assets | 78.9010% | 5,760 |
| Equity capital to assets | 11.2459% | 2,517 |
| Core capital (leverage) ratio | 11.3944% | 2,127 |
| Tier 1 risk-based capital ratio | 20.3872% | 1,632 |
| Total risk-based capital ratio | 21.6406% | 1,601 |
| Memoranda: | ||
| Average total assets | $671,135,500 | 996 |
| Average earning assets | $614,606,250 | 997 |
| Average equity | $76,051,000 | 949 |
| Average total loans | $361,336,000 | 1,186 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3541% | 5,997 |
| Cost of funding earning assets | 0.3855% | 5,075 |
| Net interest margin | 2.9686% | 5,651 |
| Noninterest income to average assets | 1.0000% | 1,539 |
| Noninterest expense to average assets | 2.3489% | 5,214 |
| Loan and lease loss provision to assets | 0.1695% | 2,217 |
| Net operating income to assets | 0.7695% | 3,469 |
| Return on assets (ROA) | 0.7972% | 3,466 |
| Pretax return on assets | 1.2454% | 2,497 |
| Return on Equity (ROE) | 7.0180% | 3,588 |
| Retained earnings to average equity (ytd only) | 4.6542% | 3,292 |
| Net charge-offs to loans | 0.3106% | 1,939 |
| Credit loss provision to net charge-offs | 101.9678% | 2,171 |
| Earnings coverage of net charge-offs (x) | 8.2504% | 2,433 |
| Efficiency ratio | 63.1364% | 5,000 |
| Assets per employee ($millions) | 3.9372% | 3,943 |
| Cash dividends to net income (ytd only)* | 33.6815% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 3,565 |
| Loan loss allowance to noncurrent loans | 118.6232% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.7065% | 4,456 |
| Noncurrent loans to loans | 1.2689% | 3,432 |
| Net loans and leases to total assets | 53.7396% | 4,627 |
| Net loans and leases to deposits | 67.4349% | 4,083 |
| Net loans and leases to core deposits | 71.0836% | 4,159 |
| Total domestic deposits to total assets | 79.6911% | 5,670 |
| Equity capital to assets | 11.3049% | 2,461 |
| Core capital (leverage) ratio | 11.1291% | 2,228 |
| Tier 1 risk-based capital ratio | 19.9317% | 1,737 |
| Total risk-based capital ratio | 21.1719% | 1,707 |
| Memoranda: | ||
| Average total assets | $672,567,000 | 993 |
| Average earning assets | $616,321,000 | 999 |
| Average equity | $76,404,000 | 948 |
| Average total loans | $359,979,670 | 1,182 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3738% | 5,998 |
| Cost of funding earning assets | 0.4123% | 4,987 |
| Net interest margin | 2.9616% | 5,670 |
| Noninterest income to average assets | 1.0258% | 1,411 |
| Noninterest expense to average assets | 2.3637% | 5,219 |
| Loan and lease loss provision to assets | 0.1691% | 2,169 |
| Net operating income to assets | 0.7737% | 3,315 |
| Return on assets (ROA) | 0.7737% | 3,452 |
| Pretax return on assets | 1.2080% | 2,540 |
| Return on Equity (ROE) | 6.7941% | 3,598 |
| Retained earnings to average equity (ytd only) | 6.2730% | 2,524 |
| Net charge-offs to loans | 0.0269% | 3,656 |
| Credit loss provision to net charge-offs | 1,187.5000% | 272 |
| Earnings coverage of net charge-offs (x) | 96.7083% | 391 |
| Efficiency ratio | 63.1879% | 5,130 |
| Assets per employee ($millions) | 4.0113% | 3,919 |
| Cash dividends to net income (ytd only)* | 7.6687% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 3,355 |
| Loan loss allowance to noncurrent loans | 124.7991% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 4,694 |
| Noncurrent loans to loans | 1.2910% | 3,622 |
| Net loans and leases to total assets | 51.1651% | 4,814 |
| Net loans and leases to deposits | 64.2659% | 4,286 |
| Net loans and leases to core deposits | 67.7911% | 4,330 |
| Total domestic deposits to total assets | 79.6147% | 5,838 |
| Equity capital to assets | 11.2610% | 2,666 |
| Core capital (leverage) ratio | 11.1406% | 2,147 |
| Tier 1 risk-based capital ratio | 20.1081% | 1,740 |
| Total risk-based capital ratio | 21.3643% | 1,711 |
| Memoranda: | ||
| Average total assets | $674,189,500 | 1,002 |
| Average earning assets | $618,048,500 | 1,008 |
| Average equity | $76,773,000 | 951 |
| Average total loans | $357,375,500 | 1,193 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8154% | 5,789 |
| Cost of funding earning assets | 0.5486% | 4,830 |
| Net interest margin | 3.2668% | 5,371 |
| Noninterest income to average assets | 1.0852% | 1,318 |
| Noninterest expense to average assets | 2.3468% | 5,571 |
| Loan and lease loss provision to assets | 0.1705% | 3,489 |
| Net operating income to assets | 0.9274% | 2,665 |
| Return on assets (ROA) | 0.9529% | 2,782 |
| Pretax return on assets | 1.4823% | 1,739 |
| Return on Equity (ROE) | 8.4977% | 2,866 |
| Retained earnings to average equity (ytd only) | 4.2316% | 3,250 |
| Net charge-offs to loans | 0.1613% | 4,091 |
| Credit loss provision to net charge-offs | 205.2065% | 1,250 |
| Earnings coverage of net charge-offs (x) | 19.4165% | 1,387 |
| Efficiency ratio | 59.2686% | 5,656 |
| Assets per employee ($millions) | 3.7854% | 4,399 |
| Cash dividends to net income (ytd only)* | 50.2034% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 3,604 |
| Loan loss allowance to noncurrent loans | 107.6108% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 4,537 |
| Noncurrent loans to loans | 1.4238% | 3,463 |
| Net loans and leases to total assets | 53.2209% | 4,724 |
| Net loans and leases to deposits | 66.6754% | 4,183 |
| Net loans and leases to core deposits | 69.7807% | 4,345 |
| Total domestic deposits to total assets | 79.8209% | 5,711 |
| Equity capital to assets | 11.5184% | 2,429 |
| Core capital (leverage) ratio | 11.1148% | 2,155 |
| Tier 1 risk-based capital ratio | 19.7987% | 1,729 |
| Total risk-based capital ratio | 21.0541% | 1,702 |
| Memoranda: | ||
| Average total assets | $670,558,600 | 979 |
| Average earning assets | $590,028,000 | 1,026 |
| Average equity | $75,196,600 | 945 |
| Average total loans | $345,226,200 | 1,221 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9039% | 5,780 |
| Cost of funding earning assets | 0.5825% | 4,817 |
| Net interest margin | 3.3214% | 5,305 |
| Noninterest income to average assets | 1.0108% | 1,473 |
| Noninterest expense to average assets | 2.3152% | 5,650 |
| Loan and lease loss provision to assets | 0.1701% | 3,427 |
| Net operating income to assets | 0.9224% | 2,866 |
| Return on assets (ROA) | 0.9529% | 2,955 |
| Pretax return on assets | 1.4671% | 2,017 |
| Return on Equity (ROE) | 8.5547% | 3,015 |
| Retained earnings to average equity (ytd only) | 6.9228% | 2,170 |
| Net charge-offs to loans | 0.1606% | 3,830 |
| Credit loss provision to net charge-offs | 208.2524% | 1,325 |
| Earnings coverage of net charge-offs (x) | 19.4709% | 1,495 |
| Efficiency ratio | 59.2813% | 5,617 |
| Assets per employee ($millions) | 3.8399% | 4,213 |
| Cash dividends to net income (ytd only)* | 19.0764% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 3,670 |
| Loan loss allowance to noncurrent loans | 101.7704% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 4,651 |
| Noncurrent loans to loans | 1.5380% | 3,483 |
| Net loans and leases to total assets | 50.3201% | 5,276 |
| Net loans and leases to deposits | 63.7687% | 4,743 |
| Net loans and leases to core deposits | 67.7546% | 4,750 |
| Total domestic deposits to total assets | 78.9103% | 5,892 |
| Equity capital to assets | 11.5692% | 2,682 |
| Core capital (leverage) ratio | 11.0304% | 2,350 |
| Tier 1 risk-based capital ratio | 20.4220% | 1,648 |
| Total risk-based capital ratio | 21.6752% | 1,615 |
| Memoranda: | ||
| Average total assets | $672,586,500 | 984 |
| Average earning assets | $586,169,750 | 1,033 |
| Average equity | $74,920,000 | 948 |
| Average total loans | $342,021,250 | 1,243 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9839% | 5,695 |
| Cost of funding earning assets | 0.6090% | 4,820 |
| Net interest margin | 3.3749% | 5,189 |
| Noninterest income to average assets | 1.0144% | 1,424 |
| Noninterest expense to average assets | 2.3149% | 5,693 |
| Loan and lease loss provision to assets | 0.1697% | 3,406 |
| Net operating income to assets | 0.9490% | 2,661 |
| Return on assets (ROA) | 0.9492% | 2,924 |
| Pretax return on assets | 1.4616% | 1,976 |
| Return on Equity (ROE) | 8.6311% | 2,974 |
| Retained earnings to average equity (ytd only) | 6.1570% | 2,603 |
| Net charge-offs to loans | 0.1905% | 3,439 |
| Credit loss provision to net charge-offs | 175.4601% | 1,606 |
| Earnings coverage of net charge-offs (x) | 16.8620% | 1,561 |
| Efficiency ratio | 58.6661% | 5,777 |
| Assets per employee ($millions) | 3.9126% | 4,049 |
| Cash dividends to net income (ytd only)* | 28.6652% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 3,843 |
| Loan loss allowance to noncurrent loans | 174.4746% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.4617% | 5,620 |
| Noncurrent loans to loans | 0.8804% | 4,730 |
| Net loans and leases to total assets | 48.7435% | 5,530 |
| Net loans and leases to deposits | 61.6075% | 5,054 |
| Net loans and leases to core deposits | 65.4972% | 5,053 |
| Total domestic deposits to total assets | 79.1194% | 5,940 |
| Equity capital to assets | 11.1531% | 2,951 |
| Core capital (leverage) ratio | 10.7684% | 2,516 |
| Tier 1 risk-based capital ratio | 20.3647% | 1,619 |
| Total risk-based capital ratio | 21.6197% | 1,589 |
| Memoranda: | ||
| Average total assets | $674,067,000 | 978 |
| Average earning assets | $585,504,670 | 1,028 |
| Average equity | $74,127,000 | 948 |
| Average total loans | $342,176,000 | 1,241 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9846% | 5,812 |
| Cost of funding earning assets | 0.6275% | 4,918 |
| Net interest margin | 3.3572% | 5,277 |
| Noninterest income to average assets | 0.9955% | 1,436 |
| Noninterest expense to average assets | 2.3209% | 5,717 |
| Loan and lease loss provision to assets | 0.1713% | 3,257 |
| Net operating income to assets | 0.9445% | 2,721 |
| Return on assets (ROA) | 0.9449% | 2,928 |
| Pretax return on assets | 1.4563% | 2,003 |
| Return on Equity (ROE) | 8.6543% | 2,970 |
| Retained earnings to average equity (ytd only) | 7.8373% | 2,042 |
| Net charge-offs to loans | 0.2152% | 2,852 |
| Credit loss provision to net charge-offs | 154.8387% | 1,627 |
| Earnings coverage of net charge-offs (x) | 14.7097% | 1,454 |
| Efficiency ratio | 58.7890% | 5,805 |
| Assets per employee ($millions) | 3.9363% | 4,135 |
| Cash dividends to net income (ytd only)* | 9.4399% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 4,331 |
| Loan loss allowance to noncurrent loans | 173.8617% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 5,701 |
| Noncurrent loans to loans | 0.8407% | 4,994 |
| Net loans and leases to total assets | 49.8037% | 5,335 |
| Net loans and leases to deposits | 62.5532% | 4,837 |
| Net loans and leases to core deposits | 66.5584% | 4,851 |
| Total domestic deposits to total assets | 79.6181% | 5,943 |
| Equity capital to assets | 10.9532% | 2,959 |
| Core capital (leverage) ratio | 10.8437% | 2,395 |
| Tier 1 risk-based capital ratio | 19.8093% | 1,755 |
| Total risk-based capital ratio | 21.0634% | 1,726 |
| Memoranda: | ||
| Average total assets | $672,656,500 | 979 |
| Average earning assets | $591,573,000 | 1,021 |
| Average equity | $73,443,500 | 949 |
| Average total loans | $345,721,000 | 1,220 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3703% | 5,534 |
| Cost of funding earning assets | 0.8397% | 4,548 |
| Net interest margin | 3.5306% | 5,020 |
| Noninterest income to average assets | 0.9637% | 1,463 |
| Noninterest expense to average assets | 2.3671% | 5,855 |
| Loan and lease loss provision to assets | 0.1702% | 4,513 |
| Net operating income to assets | 0.9993% | 2,200 |
| Return on assets (ROA) | 1.0255% | 2,252 |
| Pretax return on assets | 1.5799% | 1,253 |
| Return on Equity (ROE) | 9.6187% | 2,201 |
| Retained earnings to average equity (ytd only) | 6.4980% | 1,736 |
| Net charge-offs to loans | 0.1068% | 5,290 |
| Credit loss provision to net charge-offs | 293.1937% | 807 |
| Earnings coverage of net charge-offs (x) | 29.4581% | 855 |
| Efficiency ratio | 58.0628% | 6,050 |
| Assets per employee ($millions) | 3.8186% | 4,276 |
| Cash dividends to net income (ytd only)* | 32.4444% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 4,443 |
| Loan loss allowance to noncurrent loans | 241.6174% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 6,121 |
| Noncurrent loans to loans | 0.5807% | 5,547 |
| Net loans and leases to total assets | 51.5282% | 5,383 |
| Net loans and leases to deposits | 64.3134% | 4,968 |
| Net loans and leases to core deposits | 67.9115% | 5,037 |
| Total domestic deposits to total assets | 80.1205% | 5,712 |
| Equity capital to assets | 10.8832% | 3,100 |
| Core capital (leverage) ratio | 10.6122% | 2,607 |
| Tier 1 risk-based capital ratio | 19.1458% | 1,856 |
| Total risk-based capital ratio | 20.3994% | 1,823 |
| Memoranda: | ||
| Average total assets | $658,191,600 | 983 |
| Average earning assets | $580,349,600 | 1,017 |
| Average equity | $70,175,800 | 955 |
| Average total loans | $357,668,600 | 1,188 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4280% | 5,505 |
| Cost of funding earning assets | 0.8751% | 4,591 |
| Net interest margin | 3.5529% | 4,966 |
| Noninterest income to average assets | 0.9273% | 1,556 |
| Noninterest expense to average assets | 2.3633% | 5,873 |
| Loan and lease loss provision to assets | 0.1728% | 4,309 |
| Net operating income to assets | 1.0113% | 2,281 |
| Return on assets (ROA) | 1.0458% | 2,308 |
| Pretax return on assets | 1.5839% | 1,426 |
| Return on Equity (ROE) | 9.8611% | 2,247 |
| Retained earnings to average equity (ytd only) | 8.0166% | 1,503 |
| Net charge-offs to loans | 0.0997% | 4,990 |
| Credit loss provision to net charge-offs | 315.9851% | 889 |
| Earnings coverage of net charge-offs (x) | 31.1596% | 910 |
| Efficiency ratio | 58.0984% | 5,990 |
| Assets per employee ($millions) | 3.8185% | 4,268 |
| Cash dividends to net income (ytd only)* | 18.7050% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 4,853 |
| Loan loss allowance to noncurrent loans | 244.2327% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 6,161 |
| Noncurrent loans to loans | 0.5460% | 5,774 |
| Net loans and leases to total assets | 52.8160% | 5,347 |
| Net loans and leases to deposits | 65.8968% | 4,921 |
| Net loans and leases to core deposits | 70.8262% | 4,856 |
| Total domestic deposits to total assets | 80.1495% | 5,692 |
| Equity capital to assets | 10.9824% | 3,167 |
| Core capital (leverage) ratio | 10.6509% | 2,708 |
| Tier 1 risk-based capital ratio | 18.9308% | 1,961 |
| Total risk-based capital ratio | 20.1812% | 1,930 |
| Memoranda: | ||
| Average total assets | $655,674,250 | 996 |
| Average earning assets | $579,569,500 | 1,026 |
| Average equity | $69,537,750 | 973 |
| Average total loans | $359,775,000 | 1,189 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 5,614 |
| Cost of funding earning assets | 0.9101% | 4,585 |
| Net interest margin | 3.5117% | 5,104 |
| Noninterest income to average assets | 0.9039% | 1,633 |
| Noninterest expense to average assets | 2.3690% | 5,933 |
| Loan and lease loss provision to assets | 0.1746% | 4,177 |
| Net operating income to assets | 0.9730% | 2,344 |
| Return on assets (ROA) | 0.9786% | 2,415 |
| Pretax return on assets | 1.4817% | 1,581 |
| Return on Equity (ROE) | 9.3400% | 2,363 |
| Retained earnings to average equity (ytd only) | 6.5269% | 2,125 |
| Net charge-offs to loans | 0.0565% | 5,084 |
| Credit loss provision to net charge-offs | 558.8235% | 553 |
| Earnings coverage of net charge-offs (x) | 52.7255% | 602 |
| Efficiency ratio | 58.9779% | 6,030 |
| Assets per employee ($millions) | 3.8333% | 4,121 |
| Cash dividends to net income (ytd only)* | 30.1190% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 5,161 |
| Loan loss allowance to noncurrent loans | 193.2387% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4655% | 5,990 |
| Noncurrent loans to loans | 0.6614% | 5,590 |
| Net loans and leases to total assets | 53.6151% | 5,348 |
| Net loans and leases to deposits | 66.3117% | 4,953 |
| Net loans and leases to core deposits | 71.3417% | 4,907 |
| Total domestic deposits to total assets | 80.8532% | 5,582 |
| Equity capital to assets | 10.5650% | 3,423 |
| Core capital (leverage) ratio | 10.3364% | 2,899 |
| Tier 1 risk-based capital ratio | 17.8644% | 2,222 |
| Total risk-based capital ratio | 19.0773% | 2,179 |
| Memoranda: | ||
| Average total assets | $652,759,670 | 1,010 |
| Average earning assets | $578,641,670 | 1,035 |
| Average equity | $68,394,000 | 989 |
| Average total loans | $361,146,000 | 1,201 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4482% | 5,517 |
| Cost of funding earning assets | 0.9584% | 4,505 |
| Net interest margin | 3.4898% | 5,056 |
| Noninterest income to average assets | 0.8884% | 1,700 |
| Noninterest expense to average assets | 2.2867% | 6,223 |
| Loan and lease loss provision to assets | 0.1766% | 3,858 |
| Net operating income to assets | 0.9944% | 2,201 |
| Return on assets (ROA) | 0.9944% | 2,250 |
| Pretax return on assets | 1.5067% | 1,429 |
| Return on Equity (ROE) | 9.5312% | 2,269 |
| Retained earnings to average equity (ytd only) | 6.5620% | 2,341 |
| Net charge-offs to loans | 0.0155% | 4,865 |
| Credit loss provision to net charge-offs | 2,035.7143% | 193 |
| Earnings coverage of net charge-offs (x) | 194.0714% | 159 |
| Efficiency ratio | 57.5999% | 6,314 |
| Assets per employee ($millions) | 3.9353% | 3,978 |
| Cash dividends to net income (ytd only)* | 31.1526% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 5,463 |
| Loan loss allowance to noncurrent loans | 224.7972% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 6,230 |
| Noncurrent loans to loans | 0.5489% | 5,928 |
| Net loans and leases to total assets | 53.9914% | 5,304 |
| Net loans and leases to deposits | 66.5395% | 4,893 |
| Net loans and leases to core deposits | 71.6743% | 4,829 |
| Total domestic deposits to total assets | 81.1419% | 5,622 |
| Equity capital to assets | 10.3606% | 3,338 |
| Core capital (leverage) ratio | 10.3901% | 2,713 |
| Tier 1 risk-based capital ratio | 17.9160% | 2,140 |
| Total risk-based capital ratio | 19.1003% | 2,134 |
| Memoranda: | ||
| Average total assets | $645,646,000 | 1,026 |
| Average earning assets | $570,116,000 | 1,069 |
| Average equity | $67,357,500 | 997 |
| Average total loans | $360,601,000 | 1,217 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7182% | 5,743 |
| Cost of funding earning assets | 1.2761% | 4,045 |
| Net interest margin | 3.4421% | 5,466 |
| Noninterest income to average assets | 1.0358% | 1,402 |
| Noninterest expense to average assets | 2.4181% | 6,052 |
| Loan and lease loss provision to assets | 0.1298% | 5,869 |
| Net operating income to assets | 1.0244% | 1,951 |
| Return on assets (ROA) | 1.0257% | 2,059 |
| Pretax return on assets | 1.5497% | 1,251 |
| Return on Equity (ROE) | 9.6414% | 2,060 |
| Retained earnings to average equity (ytd only) | 5.2645% | 2,267 |
| Net charge-offs to loans | 0.2282% | 4,916 |
| Credit loss provision to net charge-offs | 96.2696% | 4,826 |
| Earnings coverage of net charge-offs (x) | 12.4428% | 1,502 |
| Efficiency ratio | 59.0398% | 6,191 |
| Assets per employee ($millions) | 3.7521% | 4,361 |
| Cash dividends to net income (ytd only)* | 45.3970% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 5,736 |
| Loan loss allowance to noncurrent loans | 195.5827% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 6,118 |
| Noncurrent loans to loans | 0.5879% | 5,871 |
| Net loans and leases to total assets | 56.4233% | 5,272 |
| Net loans and leases to deposits | 68.7209% | 5,000 |
| Net loans and leases to core deposits | 74.4369% | 4,924 |
| Total domestic deposits to total assets | 82.1050% | 5,156 |
| Equity capital to assets | 10.5072% | 3,146 |
| Core capital (leverage) ratio | 10.3897% | 2,681 |
| Tier 1 risk-based capital ratio | 17.2217% | 2,261 |
| Total risk-based capital ratio | 18.3085% | 2,292 |
| Memoranda: | ||
| Average total assets | $616,360,400 | 1,082 |
| Average earning assets | $547,923,200 | 1,108 |
| Average equity | $65,571,200 | 1,021 |
| Average total loans | $364,095,200 | 1,241 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7493% | 5,856 |
| Cost of funding earning assets | 1.3456% | 3,931 |
| Net interest margin | 3.4038% | 5,668 |
| Noninterest income to average assets | 1.0062% | 1,449 |
| Noninterest expense to average assets | 2.3279% | 6,241 |
| Loan and lease loss provision to assets | 0.1253% | 5,775 |
| Net operating income to assets | 1.0380% | 2,107 |
| Return on assets (ROA) | 1.0398% | 2,207 |
| Pretax return on assets | 1.5755% | 1,406 |
| Return on Equity (ROE) | 9.7424% | 2,233 |
| Retained earnings to average equity (ytd only) | 6.8087% | 1,939 |
| Net charge-offs to loans | 0.2640% | 4,366 |
| Credit loss provision to net charge-offs | 79.6399% | 5,151 |
| Earnings coverage of net charge-offs (x) | 10.7950% | 1,851 |
| Efficiency ratio | 57.8201% | 6,296 |
| Assets per employee ($millions) | 3.8487% | 4,151 |
| Cash dividends to net income (ytd only)* | 30.1131% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 5,929 |
| Loan loss allowance to noncurrent loans | 177.6119% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.4831% | 6,217 |
| Noncurrent loans to loans | 0.6200% | 5,967 |
| Net loans and leases to total assets | 58.2827% | 5,215 |
| Net loans and leases to deposits | 71.9049% | 4,854 |
| Net loans and leases to core deposits | 76.5905% | 4,982 |
| Total domestic deposits to total assets | 81.0553% | 5,344 |
| Equity capital to assets | 10.8648% | 3,094 |
| Core capital (leverage) ratio | 10.6202% | 2,580 |
| Tier 1 risk-based capital ratio | 17.4189% | 2,199 |
| Total risk-based capital ratio | 18.4893% | 2,224 |
| Memoranda: | ||
| Average total assets | $611,925,500 | 1,100 |
| Average earning assets | $542,911,500 | 1,127 |
| Average equity | $65,307,500 | 1,026 |
| Average total loans | $364,633,500 | 1,250 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7628% | 5,916 |
| Cost of funding earning assets | 1.3820% | 3,993 |
| Net interest margin | 3.3807% | 5,712 |
| Noninterest income to average assets | 0.9413% | 1,537 |
| Noninterest expense to average assets | 2.3566% | 6,192 |
| Loan and lease loss provision to assets | 0.1151% | 5,750 |
| Net operating income to assets | 0.9677% | 2,305 |
| Return on assets (ROA) | 0.9683% | 2,386 |
| Pretax return on assets | 1.4676% | 1,647 |
| Return on Equity (ROE) | 9.1292% | 2,409 |
| Retained earnings to average equity (ytd only) | 4.6731% | 3,100 |
| Net charge-offs to loans | 0.2447% | 4,133 |
| Credit loss provision to net charge-offs | 78.6517% | 4,742 |
| Earnings coverage of net charge-offs (x) | 10.8067% | 1,838 |
| Efficiency ratio | 59.8380% | 6,072 |
| Assets per employee ($millions) | 3.7270% | 4,392 |
| Cash dividends to net income (ytd only)* | 48.8111% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 5,846 |
| Loan loss allowance to noncurrent loans | 245.6835% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3679% | 6,509 |
| Noncurrent loans to loans | 0.4560% | 6,340 |
| Net loans and leases to total assets | 58.4588% | 5,340 |
| Net loans and leases to deposits | 72.0929% | 4,975 |
| Net loans and leases to core deposits | 76.9987% | 5,082 |
| Total domestic deposits to total assets | 81.0881% | 5,374 |
| Equity capital to assets | 10.6208% | 3,257 |
| Core capital (leverage) ratio | 10.4206% | 2,694 |
| Tier 1 risk-based capital ratio | 16.9729% | 2,290 |
| Total risk-based capital ratio | 18.0594% | 2,306 |
| Memoranda: | ||
| Average total assets | $608,073,330 | 1,111 |
| Average earning assets | $539,057,670 | 1,144 |
| Average equity | $64,496,670 | 1,032 |
| Average total loans | $363,702,000 | 1,262 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7254% | 6,151 |
| Cost of funding earning assets | 1.3990% | 4,179 |
| Net interest margin | 3.3264% | 5,880 |
| Noninterest income to average assets | 0.9556% | 1,429 |
| Noninterest expense to average assets | 2.2808% | 6,440 |
| Loan and lease loss provision to assets | 0.1095% | 5,526 |
| Net operating income to assets | 1.0186% | 2,117 |
| Return on assets (ROA) | 1.0186% | 2,178 |
| Pretax return on assets | 1.5442% | 1,410 |
| Return on Equity (ROE) | 9.6102% | 2,244 |
| Retained earnings to average equity (ytd only) | 3.5373% | 4,026 |
| Net charge-offs to loans | 0.2437% | 3,485 |
| Credit loss provision to net charge-offs | 74.6606% | 4,000 |
| Earnings coverage of net charge-offs (x) | 11.2760% | 1,662 |
| Efficiency ratio | 57.9693% | 6,492 |
| Assets per employee ($millions) | 3.7396% | 4,466 |
| Cash dividends to net income (ytd only)* | 63.1922% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 5,808 |
| Loan loss allowance to noncurrent loans | 139.1524% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 6,024 |
| Noncurrent loans to loans | 0.8216% | 5,669 |
| Net loans and leases to total assets | 58.6852% | 5,324 |
| Net loans and leases to deposits | 72.2401% | 5,018 |
| Net loans and leases to core deposits | 76.7649% | 5,161 |
| Total domestic deposits to total assets | 81.2363% | 5,369 |
| Equity capital to assets | 10.5276% | 3,221 |
| Core capital (leverage) ratio | 10.4790% | 2,640 |
| Tier 1 risk-based capital ratio | 16.6341% | 2,399 |
| Total risk-based capital ratio | 17.7251% | 2,414 |
| Memoranda: | ||
| Average total assets | $602,770,000 | 1,146 |
| Average earning assets | $539,805,500 | 1,169 |
| Average equity | $63,890,500 | 1,045 |
| Average total loans | $362,667,500 | 1,303 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1727% | 5,776 |
| Cost of funding earning assets | 1.6945% | 4,540 |
| Net interest margin | 3.4782% | 5,052 |
| Noninterest income to average assets | 0.9917% | 1,605 |
| Noninterest expense to average assets | 2.5308% | 6,025 |
| Loan and lease loss provision to assets | 0.0843% | 6,766 |
| Net operating income to assets | 1.0213% | 1,775 |
| Return on assets (ROA) | 0.9055% | 2,223 |
| Pretax return on assets | 1.3295% | 1,612 |
| Return on Equity (ROE) | 8.3192% | 2,257 |
| Retained earnings to average equity (ytd only) | 4.8805% | 1,882 |
| Net charge-offs to loans | 0.1984% | 5,409 |
| Credit loss provision to net charge-offs | 66.5742% | 6,548 |
| Earnings coverage of net charge-offs (x) | 12.5146% | 1,503 |
| Efficiency ratio | 61.5043% | 6,240 |
| Assets per employee ($millions) | 3.5058% | 4,991 |
| Cash dividends to net income (ytd only)* | 41.3339% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 5,627 |
| Loan loss allowance to noncurrent loans | 126.8300% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 5,813 |
| Noncurrent loans to loans | 0.9096% | 5,488 |
| Net loans and leases to total assets | 60.2845% | 5,294 |
| Net loans and leases to deposits | 74.1730% | 5,015 |
| Net loans and leases to core deposits | 91.6391% | 4,934 |
| Total domestic deposits to total assets | 81.2755% | 5,241 |
| Equity capital to assets | 10.6730% | 2,999 |
| Core capital (leverage) ratio | 10.5444% | 2,561 |
| Tier 1 risk-based capital ratio | 16.6084% | 2,272 |
| Total risk-based capital ratio | 17.7224% | 2,275 |
| Memoranda: | ||
| Average total assets | $569,620,800 | 1,218 |
| Average earning assets | $511,476,000 | 1,232 |
| Average equity | $62,001,400 | 1,065 |
| Average total loans | $363,472,000 | 1,323 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2455% | 5,705 |
| Cost of funding earning assets | 1.7549% | 4,618 |
| Net interest margin | 3.4906% | 4,900 |
| Noninterest income to average assets | 1.0003% | 1,607 |
| Noninterest expense to average assets | 2.5102% | 6,040 |
| Loan and lease loss provision to assets | 0.0853% | 6,513 |
| Net operating income to assets | 1.0185% | 1,995 |
| Return on assets (ROA) | 0.9633% | 2,242 |
| Pretax return on assets | 1.4573% | 1,532 |
| Return on Equity (ROE) | 8.8050% | 2,339 |
| Retained earnings to average equity (ytd only) | 7.0150% | 1,495 |
| Net charge-offs to loans | 0.1819% | 4,932 |
| Credit loss provision to net charge-offs | 72.5806% | 5,931 |
| Earnings coverage of net charge-offs (x) | 13.8447% | 1,649 |
| Efficiency ratio | 60.6859% | 6,323 |
| Assets per employee ($millions) | 3.3572% | 5,240 |
| Cash dividends to net income (ytd only)* | 20.3294% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 5,230 |
| Loan loss allowance to noncurrent loans | 196.5265% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 6,185 |
| Noncurrent loans to loans | 0.6000% | 6,106 |
| Net loans and leases to total assets | 63.1382% | 5,046 |
| Net loans and leases to deposits | 78.9518% | 4,571 |
| Net loans and leases to core deposits | 95.4228% | 4,876 |
| Total domestic deposits to total assets | 79.9706% | 5,447 |
| Equity capital to assets | 11.1731% | 2,850 |
| Core capital (leverage) ratio | 10.8748% | 2,505 |
| Tier 1 risk-based capital ratio | 16.4665% | 2,444 |
| Total risk-based capital ratio | 17.5953% | 2,436 |
| Memoranda: | ||
| Average total assets | $563,031,250 | 1,240 |
| Average earning assets | $505,842,500 | 1,258 |
| Average equity | $61,599,500 | 1,095 |
| Average total loans | $363,471,000 | 1,351 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2915% | 5,690 |
| Cost of funding earning assets | 1.8046% | 4,730 |
| Net interest margin | 3.4869% | 4,858 |
| Noninterest income to average assets | 1.0206% | 1,525 |
| Noninterest expense to average assets | 2.5472% | 5,960 |
| Loan and lease loss provision to assets | 0.0856% | 6,318 |
| Net operating income to assets | 1.0052% | 2,088 |
| Return on assets (ROA) | 0.9692% | 2,315 |
| Pretax return on assets | 1.4649% | 1,545 |
| Return on Equity (ROE) | 8.9230% | 2,388 |
| Retained earnings to average equity (ytd only) | 7.0273% | 1,575 |
| Net charge-offs to loans | -0.0248% | 7,736 |
| Credit loss provision to net charge-offs | -533.3333% | 7,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3441% | 6,339 |
| Assets per employee ($millions) | 3.3877% | 5,096 |
| Cash dividends to net income (ytd only)* | 21.2445% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 4,381 |
| Loan loss allowance to noncurrent loans | 176.4486% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.5676% | 5,997 |
| Noncurrent loans to loans | 0.7268% | 5,788 |
| Net loans and leases to total assets | 63.0905% | 5,167 |
| Net loans and leases to deposits | 78.7136% | 4,751 |
| Net loans and leases to core deposits | 96.7681% | 4,814 |
| Total domestic deposits to total assets | 80.1520% | 5,417 |
| Equity capital to assets | 10.7835% | 3,133 |
| Core capital (leverage) ratio | 10.8024% | 2,563 |
| Tier 1 risk-based capital ratio | 16.6575% | 2,405 |
| Total risk-based capital ratio | 17.8904% | 2,356 |
| Memoranda: | ||
| Average total assets | $560,466,000 | 1,268 |
| Average earning assets | $503,376,000 | 1,280 |
| Average equity | $60,876,670 | 1,126 |
| Average total loans | $363,079,000 | 1,377 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3971% | 5,440 |
| Cost of funding earning assets | 1.8959% | 4,643 |
| Net interest margin | 3.5013% | 4,732 |
| Noninterest income to average assets | 1.0500% | 1,348 |
| Noninterest expense to average assets | 2.4908% | 5,870 |
| Loan and lease loss provision to assets | 0.0868% | 5,849 |
| Net operating income to assets | 1.0704% | 2,065 |
| Return on assets (ROA) | 1.0775% | 2,172 |
| Pretax return on assets | 1.6239% | 1,352 |
| Return on Equity (ROE) | 9.8832% | 2,369 |
| Retained earnings to average equity (ytd only) | 9.4783% | 1,343 |
| Net charge-offs to loans | -0.0743% | 7,809 |
| Credit loss provision to net charge-offs | -179.1045% | 6,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4371% | 6,492 |
| Assets per employee ($millions) | 3.2341% | 5,503 |
| Cash dividends to net income (ytd only)* | 4.0967% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 4,165 |
| Loan loss allowance to noncurrent loans | 226.9023% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.4702% | 6,072 |
| Noncurrent loans to loans | 0.5661% | 6,001 |
| Net loans and leases to total assets | 63.4878% | 5,075 |
| Net loans and leases to deposits | 78.6482% | 4,823 |
| Net loans and leases to core deposits | 96.7724% | 4,870 |
| Total domestic deposits to total assets | 80.7238% | 5,081 |
| Equity capital to assets | 10.9219% | 3,042 |
| Core capital (leverage) ratio | 11.0897% | 2,438 |
| Tier 1 risk-based capital ratio | 16.7911% | 2,410 |
| Total risk-based capital ratio | 18.0294% | 2,341 |
| Memoranda: | ||
| Average total assets | $552,748,500 | 1,283 |
| Average earning assets | $495,818,500 | 1,309 |
| Average equity | $60,264,000 | 1,141 |
| Average total loans | $360,589,000 | 1,398 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9574% | 5,770 |
| Cost of funding earning assets | 2.4247% | 4,608 |
| Net interest margin | 3.5327% | 5,183 |
| Noninterest income to average assets | 0.9882% | 1,616 |
| Noninterest expense to average assets | 2.5199% | 5,934 |
| Loan and lease loss provision to assets | 0.0113% | 7,226 |
| Net operating income to assets | 1.0872% | 2,196 |
| Return on assets (ROA) | 0.8742% | 2,964 |
| Pretax return on assets | 1.2580% | 2,450 |
| Return on Equity (ROE) | 7.9330% | 3,101 |
| Retained earnings to average equity (ytd only) | 4.6848% | 2,212 |
| Net charge-offs to loans | 0.1438% | 4,779 |
| Credit loss provision to net charge-offs | 12.0724% | 6,614 |
| Earnings coverage of net charge-offs (x) | 16.8270% | 1,813 |
| Efficiency ratio | 61.4928% | 6,050 |
| Assets per employee ($millions) | 3.2118% | 5,449 |
| Cash dividends to net income (ytd only)* | 40.9454% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 4,337 |
| Loan loss allowance to noncurrent loans | 218.9042% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 5,777 |
| Noncurrent loans to loans | 0.5607% | 5,683 |
| Net loans and leases to total assets | 65.3679% | 4,975 |
| Net loans and leases to deposits | 79.9434% | 5,055 |
| Net loans and leases to core deposits | 98.8068% | 4,945 |
| Total domestic deposits to total assets | 81.7677% | 4,290 |
| Equity capital to assets | 10.8829% | 3,137 |
| Core capital (leverage) ratio | 11.2619% | 2,393 |
| Tier 1 risk-based capital ratio | 16.6039% | 2,447 |
| Total risk-based capital ratio | 17.8392% | 2,388 |
| Memoranda: | ||
| Average total assets | $529,974,600 | 1,280 |
| Average earning assets | $466,528,600 | 1,336 |
| Average equity | $58,401,400 | 1,148 |
| Average total loans | $345,716,000 | 1,404 |