Home > St. Martin Bank and Trust Company > Performance and Condition Ratios
St. Martin Bank and Trust Company, Performance and Condition Ratios
| 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 | 5.1490% | 459 |
| Cost of funding earning assets | 0.4230% | 2,956 |
| Net interest margin | 4.7260% | 389 |
| Noninterest income to average assets | 0.7364% | 1,848 |
| Noninterest expense to average assets | 2.6766% | 3,136 |
| Loan and lease loss provision to assets | 0.1320% | 1,648 |
| Net operating income to assets | 2.3472% | 170 |
| Return on assets (ROA) | 2.3469% | 171 |
| Pretax return on assets | 2.3469% | 277 |
| Return on Equity (ROE) | 23.5251% | 95 |
| Retained earnings to average equity (ytd only) | 12.4366% | 265 |
| Net charge-offs to loans | 0.0868% | 1,927 |
| Credit loss provision to net charge-offs | 198.9796% | 1,355 |
| Earnings coverage of net charge-offs (x) | 37.3674% | 1,367 |
| Efficiency ratio | 51.2846% | 5,159 |
| Assets per employee ($millions) | 4.0779% | 3,857 |
| Cash dividends to net income (ytd only)* | 47.1346% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 2,276 |
| Loan loss allowance to noncurrent loans | 118.0133% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.9141% | 1,869 |
| Noncurrent loans to loans | 1.1165% | 1,722 |
| Net loans and leases to total assets | 76.5897% | 1,484 |
| Net loans and leases to deposits | 89.5936% | 1,855 |
| Net loans and leases to core deposits | 94.7484% | 2,199 |
| Total domestic deposits to total assets | 85.4857% | 2,520 |
| Equity capital to assets | 10.5160% | 3,358 |
| Core capital (leverage) ratio | 9.7669% | 3,861 |
| Tier 1 risk-based capital ratio | 11.3750% | 5,034 |
| Total risk-based capital ratio | 12.5676% | 4,948 |
| Memoranda: | ||
| Average total assets | $590,824,500 | 1,221 |
| Average earning assets | $552,502,750 | 1,208 |
| Average equity | $58,942,750 | 1,342 |
| Average total loans | $451,506,250 | 1,127 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0757% | 498 |
| Cost of funding earning assets | 0.4268% | 2,828 |
| Net interest margin | 4.6490% | 436 |
| Noninterest income to average assets | 0.7297% | 1,861 |
| Noninterest expense to average assets | 2.7379% | 2,965 |
| Loan and lease loss provision to assets | 0.1727% | 1,114 |
| Net operating income to assets | 2.1643% | 227 |
| Return on assets (ROA) | 2.1640% | 233 |
| Pretax return on assets | 2.1640% | 382 |
| Return on Equity (ROE) | 22.0899% | 134 |
| Retained earnings to average equity (ytd only) | 10.7943% | 469 |
| Net charge-offs to loans | 0.0793% | 1,829 |
| Credit loss provision to net charge-offs | 286.5169% | 987 |
| Earnings coverage of net charge-offs (x) | 38.7753% | 1,275 |
| Efficiency ratio | 53.0758% | 5,090 |
| Assets per employee ($millions) | 4.0301% | 3,906 |
| Cash dividends to net income (ytd only)* | 51.1344% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 2,245 |
| Loan loss allowance to noncurrent loans | 132.5784% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.8497% | 2,083 |
| Noncurrent loans to loans | 1.0082% | 1,945 |
| Net loans and leases to total assets | 75.3407% | 1,638 |
| Net loans and leases to deposits | 88.1518% | 1,964 |
| Net loans and leases to core deposits | 93.1093% | 2,238 |
| Total domestic deposits to total assets | 85.4670% | 2,625 |
| Equity capital to assets | 10.0425% | 3,864 |
| Core capital (leverage) ratio | 9.3615% | 4,276 |
| Tier 1 risk-based capital ratio | 10.9398% | 5,281 |
| Total risk-based capital ratio | 12.1444% | 5,221 |
| Memoranda: | ||
| Average total assets | $590,668,670 | 1,221 |
| Average earning assets | $552,077,670 | 1,210 |
| Average equity | $57,863,670 | 1,367 |
| Average total loans | $449,036,330 | 1,138 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0357% | 493 |
| Cost of funding earning assets | 0.4305% | 2,717 |
| Net interest margin | 4.6052% | 440 |
| Noninterest income to average assets | 0.7023% | 1,961 |
| Noninterest expense to average assets | 2.7548% | 2,941 |
| Loan and lease loss provision to assets | 0.1633% | 1,099 |
| Net operating income to assets | 2.0865% | 267 |
| Return on assets (ROA) | 2.0865% | 274 |
| Pretax return on assets | 2.0865% | 423 |
| Return on Equity (ROE) | 21.5739% | 163 |
| Retained earnings to average equity (ytd only) | 10.0763% | 792 |
| Net charge-offs to loans | 0.0906% | 1,440 |
| Credit loss provision to net charge-offs | 237.6238% | 915 |
| Earnings coverage of net charge-offs (x) | 32.7327% | 1,165 |
| Efficiency ratio | 54.1474% | 5,114 |
| Assets per employee ($millions) | 4.1617% | 3,741 |
| Cash dividends to net income (ytd only)* | 53.2942% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 2,469 |
| Loan loss allowance to noncurrent loans | 125.9885% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.8326% | 2,217 |
| Noncurrent loans to loans | 1.0429% | 1,971 |
| Net loans and leases to total assets | 74.3968% | 1,677 |
| Net loans and leases to deposits | 86.8083% | 1,938 |
| Net loans and leases to core deposits | 91.9649% | 2,167 |
| Total domestic deposits to total assets | 85.7024% | 2,794 |
| Equity capital to assets | 9.7023% | 4,062 |
| Core capital (leverage) ratio | 9.2530% | 4,410 |
| Tier 1 risk-based capital ratio | 10.6025% | 5,499 |
| Total risk-based capital ratio | 11.7701% | 5,451 |
| Memoranda: | ||
| Average total assets | $587,779,000 | 1,225 |
| Average earning assets | $549,115,000 | 1,212 |
| Average equity | $56,846,500 | 1,385 |
| Average total loans | $445,826,500 | 1,141 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3407% | 332 |
| Cost of funding earning assets | 0.4314% | 2,693 |
| Net interest margin | 4.9092% | 287 |
| Noninterest income to average assets | 0.7528% | 1,946 |
| Noninterest expense to average assets | 2.8079% | 2,995 |
| Loan and lease loss provision to assets | 0.2279% | 953 |
| Net operating income to assets | 2.2905% | 203 |
| Return on assets (ROA) | 2.3228% | 198 |
| Pretax return on assets | 2.3228% | 263 |
| Return on Equity (ROE) | 23.3379% | 112 |
| Retained earnings to average equity (ytd only) | 8.1427% | 804 |
| Net charge-offs to loans | 0.2627% | 1,053 |
| Credit loss provision to net charge-offs | 111.9194% | 2,346 |
| Earnings coverage of net charge-offs (x) | 12.3672% | 2,459 |
| Efficiency ratio | 51.8362% | 5,394 |
| Assets per employee ($millions) | 4.0308% | 3,910 |
| Cash dividends to net income (ytd only)* | 65.1095% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 2,549 |
| Loan loss allowance to noncurrent loans | 126.5611% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.7999% | 2,350 |
| Noncurrent loans to loans | 1.0266% | 2,032 |
| Net loans and leases to total assets | 75.3314% | 1,627 |
| Net loans and leases to deposits | 88.0932% | 1,914 |
| Net loans and leases to core deposits | 93.4173% | 2,168 |
| Total domestic deposits to total assets | 85.5133% | 2,825 |
| Equity capital to assets | 9.6397% | 4,128 |
| Core capital (leverage) ratio | 9.0721% | 4,656 |
| Tier 1 risk-based capital ratio | 10.3360% | 5,646 |
| Total risk-based capital ratio | 11.4769% | 5,625 |
| Memoranda: | ||
| Average total assets | $560,313,000 | 1,245 |
| Average earning assets | $521,995,400 | 1,231 |
| Average equity | $55,767,600 | 1,377 |
| Average total loans | $434,335,600 | 1,123 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4086% | 288 |
| Cost of funding earning assets | 0.4239% | 2,796 |
| Net interest margin | 4.9847% | 258 |
| Noninterest income to average assets | 0.7422% | 1,998 |
| Noninterest expense to average assets | 2.6069% | 3,640 |
| Loan and lease loss provision to assets | 0.1032% | 2,200 |
| Net operating income to assets | 2.6765% | 126 |
| Return on assets (ROA) | 2.6974% | 124 |
| Pretax return on assets | 2.6974% | 167 |
| Return on Equity (ROE) | 26.8806% | 61 |
| Retained earnings to average equity (ytd only) | 14.7396% | 140 |
| Net charge-offs to loans | 0.0367% | 2,894 |
| Credit loss provision to net charge-offs | 361.3445% | 908 |
| Earnings coverage of net charge-offs (x) | 97.2873% | 676 |
| Efficiency ratio | 47.5172% | 5,609 |
| Assets per employee ($millions) | 4.0676% | 3,843 |
| Cash dividends to net income (ytd only)* | 45.1664% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 2,517 |
| Loan loss allowance to noncurrent loans | 117.4688% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0677% | 1,925 |
| Noncurrent loans to loans | 1.1353% | 1,983 |
| Net loans and leases to total assets | 77.0565% | 1,349 |
| Net loans and leases to deposits | 91.1569% | 1,614 |
| Net loans and leases to core deposits | 96.7975% | 1,917 |
| Total domestic deposits to total assets | 84.5317% | 3,016 |
| Equity capital to assets | 10.3444% | 3,754 |
| Core capital (leverage) ratio | 9.6851% | 3,957 |
| Tier 1 risk-based capital ratio | 10.7079% | 5,519 |
| Total risk-based capital ratio | 11.8902% | 5,471 |
| Memoranda: | ||
| Average total assets | $555,283,750 | 1,254 |
| Average earning assets | $517,385,750 | 1,238 |
| Average equity | $55,721,500 | 1,391 |
| Average total loans | $432,169,000 | 1,125 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3550% | 325 |
| Cost of funding earning assets | 0.4185% | 2,848 |
| Net interest margin | 4.9365% | 295 |
| Noninterest income to average assets | 0.7309% | 2,002 |
| Noninterest expense to average assets | 2.5879% | 3,763 |
| Loan and lease loss provision to assets | 0.1083% | 2,054 |
| Net operating income to assets | 2.6322% | 126 |
| Return on assets (ROA) | 2.6322% | 129 |
| Pretax return on assets | 2.6322% | 182 |
| Return on Equity (ROE) | 26.5133% | 72 |
| Retained earnings to average equity (ytd only) | 14.1312% | 178 |
| Net charge-offs to loans | 0.1009% | 1,822 |
| Credit loss provision to net charge-offs | 137.9630% | 1,695 |
| Earnings coverage of net charge-offs (x) | 34.9259% | 1,264 |
| Efficiency ratio | 47.6752% | 5,687 |
| Assets per employee ($millions) | 3.9041% | 4,089 |
| Cash dividends to net income (ytd only)* | 46.7016% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 2,775 |
| Loan loss allowance to noncurrent loans | 103.1103% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.1140% | 1,896 |
| Noncurrent loans to loans | 1.2620% | 1,813 |
| Net loans and leases to total assets | 78.0104% | 1,204 |
| Net loans and leases to deposits | 91.8045% | 1,538 |
| Net loans and leases to core deposits | 97.2599% | 1,867 |
| Total domestic deposits to total assets | 84.9745% | 2,894 |
| Equity capital to assets | 10.2640% | 3,906 |
| Core capital (leverage) ratio | 9.3173% | 4,437 |
| Tier 1 risk-based capital ratio | 12.8647% | 4,276 |
| Total risk-based capital ratio | 14.1168% | 4,190 |
| Memoranda: | ||
| Average total assets | $550,555,670 | 1,265 |
| Average earning assets | $512,755,670 | 1,256 |
| Average equity | $54,659,330 | 1,415 |
| Average total loans | $427,977,670 | 1,140 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3118% | 348 |
| Cost of funding earning assets | 0.4102% | 2,959 |
| Net interest margin | 4.9016% | 312 |
| Noninterest income to average assets | 0.6890% | 2,095 |
| Noninterest expense to average assets | 2.4956% | 4,080 |
| Loan and lease loss provision to assets | 0.1210% | 1,747 |
| Net operating income to assets | 2.6371% | 131 |
| Return on assets (ROA) | 2.6371% | 132 |
| Pretax return on assets | 2.6371% | 192 |
| Return on Equity (ROE) | 27.0238% | 74 |
| Retained earnings to average equity (ytd only) | 14.3748% | 293 |
| Net charge-offs to loans | 0.0681% | 1,805 |
| Credit loss provision to net charge-offs | 230.5556% | 993 |
| Earnings coverage of net charge-offs (x) | 52.5417% | 852 |
| Efficiency ratio | 46.5862% | 5,787 |
| Assets per employee ($millions) | 4.0787% | 3,816 |
| Cash dividends to net income (ytd only)* | 46.8067% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 2,711 |
| Loan loss allowance to noncurrent loans | 116.5647% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.8943% | 2,451 |
| Noncurrent loans to loans | 1.1488% | 2,112 |
| Net loans and leases to total assets | 75.3395% | 1,497 |
| Net loans and leases to deposits | 87.7918% | 1,853 |
| Net loans and leases to core deposits | 92.4338% | 2,145 |
| Total domestic deposits to total assets | 85.8161% | 2,759 |
| Equity capital to assets | 9.7788% | 4,365 |
| Core capital (leverage) ratio | 9.0868% | 4,750 |
| Tier 1 risk-based capital ratio | 12.5127% | 4,570 |
| Total risk-based capital ratio | 13.7656% | 4,479 |
| Memoranda: | ||
| Average total assets | $548,640,500 | 1,270 |
| Average earning assets | $510,938,000 | 1,264 |
| Average equity | $53,538,000 | 1,439 |
| Average total loans | $422,876,000 | 1,150 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4286% | 301 |
| Cost of funding earning assets | 0.3922% | 3,242 |
| Net interest margin | 5.0364% | 237 |
| Noninterest income to average assets | 0.7783% | 1,871 |
| Noninterest expense to average assets | 2.8562% | 3,005 |
| Loan and lease loss provision to assets | 0.1940% | 1,130 |
| Net operating income to assets | 2.4000% | 174 |
| Return on assets (ROA) | 2.4000% | 178 |
| Pretax return on assets | 2.4000% | 247 |
| Return on Equity (ROE) | 24.8738% | 105 |
| Retained earnings to average equity (ytd only) | 7.8028% | 980 |
| Net charge-offs to loans | 0.0676% | 2,891 |
| Credit loss provision to net charge-offs | 369.8925% | 810 |
| Earnings coverage of net charge-offs (x) | 49.4480% | 1,010 |
| Efficiency ratio | 51.4973% | 5,665 |
| Assets per employee ($millions) | 4.0488% | 3,849 |
| Cash dividends to net income (ytd only)* | 68.6305% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 2,704 |
| Loan loss allowance to noncurrent loans | 104.4610% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.0167% | 2,162 |
| Noncurrent loans to loans | 1.2839% | 1,833 |
| Net loans and leases to total assets | 76.7754% | 1,292 |
| Net loans and leases to deposits | 89.3057% | 1,711 |
| Net loans and leases to core deposits | 94.7087% | 1,973 |
| Total domestic deposits to total assets | 85.9692% | 2,653 |
| Equity capital to assets | 9.7370% | 4,251 |
| Core capital (leverage) ratio | 8.9257% | 4,972 |
| Tier 1 risk-based capital ratio | 12.1797% | 4,836 |
| Total risk-based capital ratio | 13.4322% | 4,739 |
| Memoranda: | ||
| Average total assets | $531,832,800 | 1,272 |
| Average earning assets | $493,346,400 | 1,263 |
| Average equity | $51,315,000 | 1,448 |
| Average total loans | $412,527,600 | 1,114 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4073% | 313 |
| Cost of funding earning assets | 0.3892% | 3,336 |
| Net interest margin | 5.0181% | 242 |
| Noninterest income to average assets | 0.7683% | 1,937 |
| Noninterest expense to average assets | 2.7027% | 3,553 |
| Loan and lease loss provision to assets | 0.2263% | 814 |
| Net operating income to assets | 2.4927% | 161 |
| Return on assets (ROA) | 2.4927% | 165 |
| Pretax return on assets | 2.4927% | 239 |
| Return on Equity (ROE) | 25.8951% | 98 |
| Retained earnings to average equity (ytd only) | 13.3995% | 247 |
| Net charge-offs to loans | 0.0474% | 2,945 |
| Credit loss provision to net charge-offs | 616.4384% | 553 |
| Earnings coverage of net charge-offs (x) | 74.0555% | 783 |
| Efficiency ratio | 48.9355% | 5,825 |
| Assets per employee ($millions) | 4.0781% | 3,741 |
| Cash dividends to net income (ytd only)* | 48.2546% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 2,984 |
| Loan loss allowance to noncurrent loans | 90.0240% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.1959% | 1,977 |
| Noncurrent loans to loans | 1.4687% | 1,705 |
| Net loans and leases to total assets | 79.1447% | 936 |
| Net loans and leases to deposits | 92.2879% | 1,374 |
| Net loans and leases to core deposits | 98.1998% | 1,684 |
| Total domestic deposits to total assets | 85.7584% | 2,663 |
| Equity capital to assets | 10.1541% | 3,991 |
| Core capital (leverage) ratio | 9.2648% | 4,635 |
| Tier 1 risk-based capital ratio | 12.4000% | 4,824 |
| Total risk-based capital ratio | 13.6526% | 4,731 |
| Memoranda: | ||
| Average total assets | $530,167,750 | 1,283 |
| Average earning assets | $491,644,500 | 1,277 |
| Average equity | $51,035,500 | 1,460 |
| Average total loans | $410,897,000 | 1,113 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3639% | 327 |
| Cost of funding earning assets | 0.3927% | 3,345 |
| Net interest margin | 4.9712% | 263 |
| Noninterest income to average assets | 0.7677% | 1,922 |
| Noninterest expense to average assets | 2.7142% | 3,547 |
| Loan and lease loss provision to assets | 0.2626% | 643 |
| Net operating income to assets | 2.3996% | 194 |
| Return on assets (ROA) | 2.3996% | 203 |
| Pretax return on assets | 2.3996% | 286 |
| Return on Equity (ROE) | 25.3915% | 114 |
| Retained earnings to average equity (ytd only) | 12.6578% | 337 |
| Net charge-offs to loans | 0.0325% | 3,016 |
| Credit loss provision to net charge-offs | 1,054.5455% | 338 |
| Earnings coverage of net charge-offs (x) | 106.9242% | 575 |
| Efficiency ratio | 49.5650% | 5,872 |
| Assets per employee ($millions) | 3.9656% | 3,948 |
| Cash dividends to net income (ytd only)* | 50.1493% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 3,170 |
| Loan loss allowance to noncurrent loans | 81.4908% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.2962% | 1,938 |
| Noncurrent loans to loans | 1.6122% | 1,629 |
| Net loans and leases to total assets | 77.7328% | 1,108 |
| Net loans and leases to deposits | 89.4277% | 1,668 |
| Net loans and leases to core deposits | 99.2141% | 1,555 |
| Total domestic deposits to total assets | 86.9226% | 2,207 |
| Equity capital to assets | 9.7074% | 4,390 |
| Core capital (leverage) ratio | 8.8594% | 5,149 |
| Tier 1 risk-based capital ratio | 11.6652% | 5,359 |
| Total risk-based capital ratio | 12.9168% | 5,276 |
| Memoranda: | ||
| Average total assets | $530,173,000 | 1,292 |
| Average earning assets | $491,507,000 | 1,289 |
| Average equity | $50,103,330 | 1,495 |
| Average total loans | $406,126,330 | 1,129 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2960% | 355 |
| Cost of funding earning assets | 0.3881% | 3,432 |
| Net interest margin | 4.9079% | 294 |
| Noninterest income to average assets | 0.7546% | 1,886 |
| Noninterest expense to average assets | 2.6452% | 3,763 |
| Loan and lease loss provision to assets | 0.2629% | 607 |
| Net operating income to assets | 2.3929% | 182 |
| Return on assets (ROA) | 2.3929% | 192 |
| Pretax return on assets | 2.3929% | 280 |
| Return on Equity (ROE) | 25.6713% | 98 |
| Retained earnings to average equity (ytd only) | 12.7465% | 473 |
| Net charge-offs to loans | 0.0420% | 2,392 |
| Credit loss provision to net charge-offs | 828.5714% | 379 |
| Earnings coverage of net charge-offs (x) | 83.7143% | 572 |
| Efficiency ratio | 48.9598% | 5,973 |
| Assets per employee ($millions) | 4.0710% | 3,824 |
| Cash dividends to net income (ytd only)* | 50.3472% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 3,517 |
| Loan loss allowance to noncurrent loans | 85.2389% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.1560% | 2,326 |
| Noncurrent loans to loans | 1.5020% | 1,883 |
| Net loans and leases to total assets | 74.8081% | 1,389 |
| Net loans and leases to deposits | 86.0776% | 1,820 |
| Net loans and leases to core deposits | 95.3828% | 1,660 |
| Total domestic deposits to total assets | 86.9078% | 2,423 |
| Equity capital to assets | 9.4246% | 4,837 |
| Core capital (leverage) ratio | 8.5830% | 5,441 |
| Tier 1 risk-based capital ratio | 11.2732% | 5,680 |
| Total risk-based capital ratio | 12.5236% | 5,589 |
| Memoranda: | ||
| Average total assets | $529,561,500 | 1,289 |
| Average earning assets | $490,559,000 | 1,291 |
| Average equity | $49,362,500 | 1,528 |
| Average total loans | $399,905,500 | 1,150 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6563% | 245 |
| Cost of funding earning assets | 0.4210% | 3,469 |
| Net interest margin | 5.2353% | 197 |
| Noninterest income to average assets | 0.8126% | 1,818 |
| Noninterest expense to average assets | 2.8479% | 3,315 |
| Loan and lease loss provision to assets | 0.2715% | 801 |
| Net operating income to assets | 2.5153% | 140 |
| Return on assets (ROA) | 2.5166% | 142 |
| Pretax return on assets | 2.5166% | 181 |
| Return on Equity (ROE) | 24.3819% | 118 |
| Retained earnings to average equity (ytd only) | -3.0790% | 6,092 |
| Net charge-offs to loans | 0.0271% | 4,284 |
| Credit loss provision to net charge-offs | 1,327.3684% | 216 |
| Earnings coverage of net charge-offs (x) | 136.2421% | 392 |
| Efficiency ratio | 49.6943% | 6,109 |
| Assets per employee ($millions) | 3.9835% | 3,996 |
| Cash dividends to net income (ytd only)* | 112.6283% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 3,828 |
| Loan loss allowance to noncurrent loans | 137.3977% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.6989% | 3,475 |
| Noncurrent loans to loans | 0.8954% | 3,077 |
| Net loans and leases to total assets | 74.3249% | 1,534 |
| Net loans and leases to deposits | 85.1954% | 2,075 |
| Net loans and leases to core deposits | 95.4582% | 1,768 |
| Total domestic deposits to total assets | 87.2405% | 2,154 |
| Equity capital to assets | 9.2167% | 5,048 |
| Core capital (leverage) ratio | 8.2954% | 5,784 |
| Tier 1 risk-based capital ratio | 11.4244% | 5,699 |
| Total risk-based capital ratio | 12.6751% | 5,622 |
| Memoranda: | ||
| Average total assets | $464,444,200 | 1,439 |
| Average earning assets | $427,791,200 | 1,429 |
| Average equity | $47,937,200 | 1,505 |
| Average total loans | $350,731,000 | 1,259 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6836% | 234 |
| Cost of funding earning assets | 0.4286% | 3,479 |
| Net interest margin | 5.2550% | 186 |
| Noninterest income to average assets | 0.8440% | 1,729 |
| Noninterest expense to average assets | 2.6684% | 3,949 |
| Loan and lease loss provision to assets | 0.2711% | 774 |
| Net operating income to assets | 2.7349% | 115 |
| Return on assets (ROA) | 2.7367% | 114 |
| Pretax return on assets | 2.7367% | 149 |
| Return on Equity (ROE) | 25.7091% | 90 |
| Retained earnings to average equity (ytd only) | 14.4861% | 227 |
| Net charge-offs to loans | 0.0216% | 4,083 |
| Credit loss provision to net charge-offs | 1,660.0000% | 218 |
| Earnings coverage of net charge-offs (x) | 184.0946% | 348 |
| Efficiency ratio | 46.1832% | 6,289 |
| Assets per employee ($millions) | 3.8563% | 4,175 |
| Cash dividends to net income (ytd only)* | 43.6537% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 4,289 |
| Loan loss allowance to noncurrent loans | 128.0245% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.8195% | 3,375 |
| Noncurrent loans to loans | 0.9285% | 3,246 |
| Net loans and leases to total assets | 78.0484% | 956 |
| Net loans and leases to deposits | 91.5335% | 1,280 |
| Net loans and leases to core deposits | 104.6764% | 1,056 |
| Total domestic deposits to total assets | 85.2676% | 3,235 |
| Equity capital to assets | 10.8110% | 3,164 |
| Core capital (leverage) ratio | 9.9026% | 3,815 |
| Tier 1 risk-based capital ratio | 13.0769% | 4,813 |
| Total risk-based capital ratio | 14.3272% | 4,742 |
| Memoranda: | ||
| Average total assets | $449,098,250 | 1,491 |
| Average earning assets | $412,801,250 | 1,495 |
| Average equity | $47,805,500 | 1,514 |
| Average total loans | $339,491,500 | 1,293 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5807% | 270 |
| Cost of funding earning assets | 0.4294% | 3,557 |
| Net interest margin | 5.1514% | 215 |
| Noninterest income to average assets | 0.8031% | 1,827 |
| Noninterest expense to average assets | 2.6346% | 4,116 |
| Loan and lease loss provision to assets | 0.1827% | 1,341 |
| Net operating income to assets | 2.7117% | 116 |
| Return on assets (ROA) | 2.7117% | 117 |
| Pretax return on assets | 2.7117% | 155 |
| Return on Equity (ROE) | 25.6152% | 101 |
| Retained earnings to average equity (ytd only) | 14.1757% | 250 |
| Net charge-offs to loans | 0.0746% | 2,953 |
| Credit loss provision to net charge-offs | 329.2683% | 797 |
| Earnings coverage of net charge-offs (x) | 52.1545% | 886 |
| Efficiency ratio | 46.7766% | 6,331 |
| Assets per employee ($millions) | 3.9972% | 3,843 |
| Cash dividends to net income (ytd only)* | 44.6589% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 4,976 |
| Loan loss allowance to noncurrent loans | 110.0984% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.8367% | 3,467 |
| Noncurrent loans to loans | 0.9838% | 3,263 |
| Net loans and leases to total assets | 75.5931% | 1,220 |
| Net loans and leases to deposits | 88.5561% | 1,527 |
| Net loans and leases to core deposits | 100.3642% | 1,250 |
| Total domestic deposits to total assets | 85.3618% | 3,340 |
| Equity capital to assets | 10.5769% | 3,346 |
| Core capital (leverage) ratio | 9.7606% | 3,944 |
| Tier 1 risk-based capital ratio | 12.9720% | 4,927 |
| Total risk-based capital ratio | 14.1093% | 4,940 |
| Memoranda: | ||
| Average total assets | $443,258,670 | 1,511 |
| Average earning assets | $406,650,670 | 1,507 |
| Average equity | $46,925,330 | 1,527 |
| Average total loans | $329,799,330 | 1,321 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5605% | 264 |
| Cost of funding earning assets | 0.4309% | 3,640 |
| Net interest margin | 5.1296% | 212 |
| Noninterest income to average assets | 0.7916% | 1,789 |
| Noninterest expense to average assets | 2.6719% | 4,033 |
| Loan and lease loss provision to assets | 0.1517% | 1,601 |
| Net operating income to assets | 2.6636% | 127 |
| Return on assets (ROA) | 2.6636% | 134 |
| Pretax return on assets | 2.6636% | 189 |
| Return on Equity (ROE) | 25.1484% | 116 |
| Retained earnings to average equity (ytd only) | 22.9608% | 75 |
| Net charge-offs to loans | 0.1053% | 2,129 |
| Credit loss provision to net charge-offs | 196.4286% | 1,062 |
| Earnings coverage of net charge-offs (x) | 36.4524% | 931 |
| Efficiency ratio | 47.7882% | 6,364 |
| Assets per employee ($millions) | 4.0329% | 3,873 |
| Cash dividends to net income (ytd only)* | 8.6987% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 5,089 |
| Loan loss allowance to noncurrent loans | 107.9988% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.8328% | 3,641 |
| Noncurrent loans to loans | 1.0249% | 3,374 |
| Net loans and leases to total assets | 71.9496% | 1,585 |
| Net loans and leases to deposits | 84.6220% | 1,760 |
| Net loans and leases to core deposits | 93.7714% | 1,569 |
| Total domestic deposits to total assets | 85.0248% | 3,853 |
| Equity capital to assets | 10.6567% | 3,086 |
| Core capital (leverage) ratio | 9.9091% | 3,701 |
| Tier 1 risk-based capital ratio | 13.5429% | 4,652 |
| Total risk-based capital ratio | 14.6869% | 4,672 |
| Memoranda: | ||
| Average total assets | $435,051,500 | 1,543 |
| Average earning assets | $398,238,000 | 1,546 |
| Average equity | $46,078,500 | 1,554 |
| Average total loans | $319,056,000 | 1,367 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6768% | 275 |
| Cost of funding earning assets | 0.4906% | 3,700 |
| Net interest margin | 5.1862% | 220 |
| Noninterest income to average assets | 0.8827% | 1,741 |
| Noninterest expense to average assets | 2.9943% | 3,073 |
| Loan and lease loss provision to assets | 0.0724% | 3,666 |
| Net operating income to assets | 2.5495% | 159 |
| Return on assets (ROA) | 2.5490% | 164 |
| Pretax return on assets | 2.5490% | 189 |
| Return on Equity (ROE) | 23.8212% | 153 |
| Retained earnings to average equity (ytd only) | 7.3407% | 1,297 |
| Net charge-offs to loans | 0.1419% | 3,383 |
| Credit loss provision to net charge-offs | 70.0935% | 3,305 |
| Earnings coverage of net charge-offs (x) | 25.3925% | 1,332 |
| Efficiency ratio | 52.3969% | 6,264 |
| Assets per employee ($millions) | 3.7385% | 4,391 |
| Cash dividends to net income (ytd only)* | 69.1842% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 5,009 |
| Loan loss allowance to noncurrent loans | 110.6817% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.8931% | 3,656 |
| Noncurrent loans to loans | 1.0188% | 3,473 |
| Net loans and leases to total assets | 73.1209% | 1,501 |
| Net loans and leases to deposits | 88.9576% | 1,355 |
| Net loans and leases to core deposits | 92.0864% | 1,789 |
| Total domestic deposits to total assets | 82.1975% | 4,810 |
| Equity capital to assets | 10.5224% | 3,126 |
| Core capital (leverage) ratio | 9.5306% | 4,217 |
| Tier 1 risk-based capital ratio | 13.2995% | 4,789 |
| Total risk-based capital ratio | 14.4714% | 4,781 |
| Memoranda: | ||
| Average total assets | $414,516,400 | 1,591 |
| Average earning assets | $378,331,800 | 1,600 |
| Average equity | $44,355,400 | 1,580 |
| Average total loans | $301,573,200 | 1,399 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6673% | 288 |
| Cost of funding earning assets | 0.5038% | 3,734 |
| Net interest margin | 5.1635% | 230 |
| Noninterest income to average assets | 0.8869% | 1,802 |
| Noninterest expense to average assets | 2.8445% | 3,510 |
| Loan and lease loss provision to assets | 0.0727% | 3,606 |
| Net operating income to assets | 2.6800% | 145 |
| Return on assets (ROA) | 2.6793% | 150 |
| Pretax return on assets | 2.6793% | 190 |
| Return on Equity (ROE) | 24.9329% | 120 |
| Retained earnings to average equity (ytd only) | 14.0093% | 251 |
| Net charge-offs to loans | 0.0830% | 3,765 |
| Credit loss provision to net charge-offs | 120.9677% | 1,948 |
| Earnings coverage of net charge-offs (x) | 45.7910% | 918 |
| Efficiency ratio | 49.8903% | 6,404 |
| Assets per employee ($millions) | 3.6251% | 4,608 |
| Cash dividends to net income (ytd only)* | 43.8118% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 5,004 |
| Loan loss allowance to noncurrent loans | 97.7477% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.0109% | 3,632 |
| Noncurrent loans to loans | 1.1993% | 3,423 |
| Net loans and leases to total assets | 73.9586% | 1,297 |
| Net loans and leases to deposits | 90.5041% | 1,108 |
| Net loans and leases to core deposits | 93.5595% | 1,616 |
| Total domestic deposits to total assets | 81.7185% | 5,023 |
| Equity capital to assets | 10.9587% | 2,798 |
| Core capital (leverage) ratio | 10.0563% | 3,590 |
| Tier 1 risk-based capital ratio | 13.7917% | 4,574 |
| Total risk-based capital ratio | 15.0231% | 4,540 |
| Memoranda: | ||
| Average total assets | $412,532,750 | 1,609 |
| Average earning assets | $376,324,250 | 1,614 |
| Average equity | $44,331,250 | 1,593 |
| Average total loans | $298,860,750 | 1,414 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6191% | 306 |
| Cost of funding earning assets | 0.5156% | 3,745 |
| Net interest margin | 5.1035% | 255 |
| Noninterest income to average assets | 0.9076% | 1,794 |
| Noninterest expense to average assets | 2.8745% | 3,424 |
| Loan and lease loss provision to assets | 0.0732% | 3,576 |
| Net operating income to assets | 2.6154% | 151 |
| Return on assets (ROA) | 2.6140% | 163 |
| Pretax return on assets | 2.6140% | 245 |
| Return on Equity (ROE) | 24.4904% | 132 |
| Retained earnings to average equity (ytd only) | 13.8156% | 314 |
| Net charge-offs to loans | 0.0198% | 4,447 |
| Credit loss provision to net charge-offs | 517.2414% | 536 |
| Earnings coverage of net charge-offs (x) | 190.0000% | 267 |
| Efficiency ratio | 50.7324% | 6,372 |
| Assets per employee ($millions) | 3.5212% | 4,807 |
| Cash dividends to net income (ytd only)* | 43.5878% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 4,732 |
| Loan loss allowance to noncurrent loans | 89.1675% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.0493% | 3,649 |
| Noncurrent loans to loans | 1.4026% | 3,186 |
| Net loans and leases to total assets | 72.2521% | 1,528 |
| Net loans and leases to deposits | 87.8682% | 1,352 |
| Net loans and leases to core deposits | 91.4404% | 1,767 |
| Total domestic deposits to total assets | 82.2278% | 4,970 |
| Equity capital to assets | 10.7483% | 3,001 |
| Core capital (leverage) ratio | 9.5227% | 4,210 |
| Tier 1 risk-based capital ratio | 13.6568% | 4,667 |
| Total risk-based capital ratio | 14.9073% | 4,630 |
| Memoranda: | ||
| Average total assets | $409,874,670 | 1,622 |
| Average earning assets | $373,903,330 | 1,624 |
| Average equity | $43,747,670 | 1,611 |
| Average total loans | $293,584,330 | 1,436 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6381% | 298 |
| Cost of funding earning assets | 0.5137% | 3,938 |
| Net interest margin | 5.1243% | 222 |
| Noninterest income to average assets | 0.8718% | 1,859 |
| Noninterest expense to average assets | 2.8032% | 3,688 |
| Loan and lease loss provision to assets | 0.0734% | 3,407 |
| Net operating income to assets | 2.6701% | 137 |
| Return on assets (ROA) | 2.6701% | 143 |
| Pretax return on assets | 2.6701% | 215 |
| Return on Equity (ROE) | 25.1052% | 123 |
| Retained earnings to average equity (ytd only) | 22.7134% | 88 |
| Net charge-offs to loans | 0.0608% | 3,209 |
| Credit loss provision to net charge-offs | 170.4545% | 1,234 |
| Earnings coverage of net charge-offs (x) | 63.7273% | 560 |
| Efficiency ratio | 49.5855% | 6,528 |
| Assets per employee ($millions) | 3.6495% | 4,678 |
| Cash dividends to net income (ytd only)* | 9.5273% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 4,872 |
| Loan loss allowance to noncurrent loans | 83.7770% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.0999% | 3,733 |
| Noncurrent loans to loans | 1.5098% | 3,287 |
| Net loans and leases to total assets | 69.0858% | 1,826 |
| Net loans and leases to deposits | 84.3962% | 1,547 |
| Net loans and leases to core deposits | 87.3008% | 1,980 |
| Total domestic deposits to total assets | 81.8589% | 5,249 |
| Equity capital to assets | 10.7189% | 3,298 |
| Core capital (leverage) ratio | 9.7262% | 3,756 |
| Tier 1 risk-based capital ratio | 13.6776% | 4,739 |
| Total risk-based capital ratio | 14.9281% | 4,705 |
| Memoranda: | ||
| Average total assets | $408,821,500 | 1,640 |
| Average earning assets | $372,965,000 | 1,643 |
| Average equity | $43,481,000 | 1,638 |
| Average total loans | $289,659,000 | 1,465 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9737% | 273 |
| Cost of funding earning assets | 0.5412% | 4,893 |
| Net interest margin | 5.4325% | 187 |
| Noninterest income to average assets | 0.9403% | 1,740 |
| Noninterest expense to average assets | 3.1348% | 2,829 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.7440% | 118 |
| Return on assets (ROA) | 2.7765% | 125 |
| Pretax return on assets | 2.7765% | 180 |
| Return on Equity (ROE) | 24.3110% | 147 |
| Retained earnings to average equity (ytd only) | 6.4528% | 1,848 |
| Net charge-offs to loans | 0.0828% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 45.7489% | 717 |
| Efficiency ratio | 52.3448% | 6,437 |
| Assets per employee ($millions) | 3.5858% | 4,815 |
| Cash dividends to net income (ytd only)* | 73.4573% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 4,800 |
| Loan loss allowance to noncurrent loans | 84.2761% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.0784% | 3,867 |
| Noncurrent loans to loans | 1.5027% | 3,350 |
| Net loans and leases to total assets | 70.8564% | 1,671 |
| Net loans and leases to deposits | 85.8454% | 1,538 |
| Net loans and leases to core deposits | 88.2360% | 2,061 |
| Total domestic deposits to total assets | 82.5395% | 4,915 |
| Equity capital to assets | 10.5494% | 3,468 |
| Core capital (leverage) ratio | 9.5666% | 4,015 |
| Tier 1 risk-based capital ratio | 12.9953% | 5,109 |
| Total risk-based capital ratio | 14.2459% | 5,049 |
| Memoranda: | ||
| Average total assets | $371,794,400 | 1,751 |
| Average earning assets | $337,981,800 | 1,759 |
| Average equity | $42,462,200 | 1,637 |
| Average total loans | $269,353,400 | 1,542 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9830% | 289 |
| Cost of funding earning assets | 0.5460% | 5,120 |
| Net interest margin | 5.4370% | 194 |
| Noninterest income to average assets | 0.9500% | 1,668 |
| Noninterest expense to average assets | 2.9898% | 3,264 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.8983% | 112 |
| Return on assets (ROA) | 2.8983% | 118 |
| Pretax return on assets | 2.8983% | 174 |
| Return on Equity (ROE) | 24.8546% | 147 |
| Retained earnings to average equity (ytd only) | 11.4827% | 616 |
| Net charge-offs to loans | 0.0529% | 4,916 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 75.4267% | 545 |
| Efficiency ratio | 49.7763% | 6,604 |
| Assets per employee ($millions) | 3.2789% | 5,480 |
| Cash dividends to net income (ytd only)* | 53.8005% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3517% | 4,568 |
| Loan loss allowance to noncurrent loans | 85.3068% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.1823% | 3,931 |
| Noncurrent loans to loans | 1.5845% | 3,411 |
| Net loans and leases to total assets | 72.9272% | 1,405 |
| Net loans and leases to deposits | 90.3760% | 1,105 |
| Net loans and leases to core deposits | 92.2475% | 1,758 |
| Total domestic deposits to total assets | 80.6931% | 5,453 |
| Equity capital to assets | 11.5540% | 2,696 |
| Core capital (leverage) ratio | 10.2833% | 3,186 |
| Tier 1 risk-based capital ratio | 13.7435% | 4,729 |
| Total risk-based capital ratio | 14.9950% | 4,680 |
| Memoranda: | ||
| Average total assets | $364,342,000 | 1,811 |
| Average earning assets | $330,909,000 | 1,809 |
| Average equity | $42,486,000 | 1,656 |
| Average total loans | $264,638,750 | 1,579 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9325% | 330 |
| Cost of funding earning assets | 0.5512% | 5,297 |
| Net interest margin | 5.3812% | 218 |
| Noninterest income to average assets | 0.9531% | 1,604 |
| Noninterest expense to average assets | 3.0314% | 3,148 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.8176% | 122 |
| Return on assets (ROA) | 2.8176% | 128 |
| Pretax return on assets | 2.8176% | 194 |
| Return on Equity (ROE) | 24.0851% | 178 |
| Retained earnings to average equity (ytd only) | 8.8450% | 1,328 |
| Net charge-offs to loans | 0.0585% | 4,603 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 66.7500% | 584 |
| Efficiency ratio | 50.8119% | 6,589 |
| Assets per employee ($millions) | 3.0576% | 5,934 |
| Cash dividends to net income (ytd only)* | 63.2762% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 4,444 |
| Loan loss allowance to noncurrent loans | 85.3450% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.2210% | 3,975 |
| Noncurrent loans to loans | 1.6464% | 3,433 |
| Net loans and leases to total assets | 72.6129% | 1,457 |
| Net loans and leases to deposits | 87.8031% | 1,384 |
| Net loans and leases to core deposits | 89.8504% | 2,004 |
| Total domestic deposits to total assets | 82.6998% | 4,877 |
| Equity capital to assets | 11.7049% | 2,409 |
| Core capital (leverage) ratio | 9.7796% | 3,743 |
| Tier 1 risk-based capital ratio | 13.4320% | 4,882 |
| Total risk-based capital ratio | 14.6843% | 4,835 |
| Memoranda: | ||
| Average total assets | $360,098,670 | 1,828 |
| Average earning assets | $327,620,330 | 1,830 |
| Average equity | $42,125,670 | 1,656 |
| Average total loans | $259,933,000 | 1,606 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9571% | 326 |
| Cost of funding earning assets | 0.5506% | 5,494 |
| Net interest margin | 5.4065% | 215 |
| Noninterest income to average assets | 0.8635% | 1,897 |
| Noninterest expense to average assets | 2.9852% | 3,307 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.8114% | 122 |
| Return on assets (ROA) | 2.8114% | 146 |
| Pretax return on assets | 2.8114% | 224 |
| Return on Equity (ROE) | 24.0393% | 212 |
| Retained earnings to average equity (ytd only) | 13.4915% | 622 |
| Net charge-offs to loans | 0.0549% | 3,946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 71.6286% | 468 |
| Efficiency ratio | 50.4546% | 6,645 |
| Assets per employee ($millions) | 3.2308% | 5,704 |
| Cash dividends to net income (ytd only)* | 43.8771% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 4,200 |
| Loan loss allowance to noncurrent loans | 79.7300% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.3431% | 3,877 |
| Noncurrent loans to loans | 1.8703% | 3,314 |
| Net loans and leases to total assets | 70.0879% | 1,736 |
| Net loans and leases to deposits | 84.7675% | 1,569 |
| Net loans and leases to core deposits | 86.7698% | 2,205 |
| Total domestic deposits to total assets | 82.6826% | 5,048 |
| Equity capital to assets | 11.7194% | 2,248 |
| Core capital (leverage) ratio | 9.9428% | 3,438 |
| Tier 1 risk-based capital ratio | 13.8967% | 4,531 |
| Total risk-based capital ratio | 15.1501% | 4,517 |
| Memoranda: | ||
| Average total assets | $356,691,000 | 1,852 |
| Average earning assets | $325,460,500 | 1,851 |
| Average equity | $41,715,000 | 1,664 |
| Average total loans | $254,787,500 | 1,633 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2019% | 302 |
| Cost of funding earning assets | 0.6088% | 6,055 |
| Net interest margin | 5.5930% | 155 |
| Noninterest income to average assets | 0.9122% | 1,632 |
| Noninterest expense to average assets | 3.3426% | 2,382 |
| Loan and lease loss provision to assets | 0.0890% | 5,474 |
| Net operating income to assets | 2.5697% | 126 |
| Return on assets (ROA) | 2.5697% | 127 |
| Pretax return on assets | 2.5697% | 186 |
| Return on Equity (ROE) | 21.7392% | 192 |
| Retained earnings to average equity (ytd only) | 7.9029% | 1,115 |
| Net charge-offs to loans | -0.0447% | 7,045 |
| Credit loss provision to net charge-offs | -280.3738% | 6,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6402% | 6,455 |
| Assets per employee ($millions) | 3.1670% | 5,777 |
| Cash dividends to net income (ytd only)* | 63.6469% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 3,845 |
| Loan loss allowance to noncurrent loans | 80.4528% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.3694% | 3,951 |
| Noncurrent loans to loans | 1.9094% | 3,331 |
| Net loans and leases to total assets | 70.6194% | 1,899 |
| Net loans and leases to deposits | 87.0142% | 1,523 |
| Net loans and leases to core deposits | 89.1698% | 2,232 |
| Total domestic deposits to total assets | 81.1585% | 5,405 |
| Equity capital to assets | 11.6699% | 2,362 |
| Core capital (leverage) ratio | 9.8304% | 3,544 |
| Tier 1 risk-based capital ratio | 13.7435% | 4,524 |
| Total risk-based capital ratio | 14.9977% | 4,479 |
| Memoranda: | ||
| Average total assets | $337,196,400 | 1,918 |
| Average earning assets | $306,810,200 | 1,915 |
| Average equity | $39,858,800 | 1,698 |
| Average total loans | $239,251,600 | 1,748 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2296% | 309 |
| Cost of funding earning assets | 0.6227% | 6,170 |
| Net interest margin | 5.6069% | 152 |
| Noninterest income to average assets | 0.9172% | 1,587 |
| Noninterest expense to average assets | 3.2220% | 2,758 |
| Loan and lease loss provision to assets | 0.1199% | 4,934 |
| Net operating income to assets | 2.6745% | 115 |
| Return on assets (ROA) | 2.6745% | 120 |
| Pretax return on assets | 2.6745% | 184 |
| Return on Equity (ROE) | 22.5499% | 198 |
| Retained earnings to average equity (ytd only) | 14.3852% | 275 |
| Net charge-offs to loans | -0.1028% | 7,170 |
| Credit loss provision to net charge-offs | -164.8352% | 6,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4844% | 6,637 |
| Assets per employee ($millions) | 3.0511% | 6,010 |
| Cash dividends to net income (ytd only)* | 36.2075% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5812% | 3,751 |
| Loan loss allowance to noncurrent loans | 86.3328% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.4049% | 4,021 |
| Noncurrent loans to loans | 1.8315% | 3,597 |
| Net loans and leases to total assets | 72.5575% | 1,595 |
| Net loans and leases to deposits | 90.1088% | 1,204 |
| Net loans and leases to core deposits | 92.9951% | 1,885 |
| Total domestic deposits to total assets | 80.5220% | 5,592 |
| Equity capital to assets | 12.4816% | 1,922 |
| Core capital (leverage) ratio | 10.4286% | 2,961 |
| Tier 1 risk-based capital ratio | 14.0930% | 4,286 |
| Total risk-based capital ratio | 15.3474% | 4,256 |
| Memoranda: | ||
| Average total assets | $333,611,000 | 1,947 |
| Average earning assets | $303,405,750 | 1,946 |
| Average equity | $39,567,500 | 1,711 |
| Average total loans | $236,032,750 | 1,790 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2057% | 329 |
| Cost of funding earning assets | 0.6387% | 6,281 |
| Net interest margin | 5.5671% | 164 |
| Noninterest income to average assets | 0.9177% | 1,593 |
| Noninterest expense to average assets | 3.2309% | 2,803 |
| Loan and lease loss provision to assets | 0.1808% | 4,109 |
| Net operating income to assets | 2.5693% | 153 |
| Return on assets (ROA) | 2.5693% | 159 |
| Pretax return on assets | 2.5693% | 221 |
| Return on Equity (ROE) | 22.0556% | 235 |
| Retained earnings to average equity (ytd only) | 13.7071% | 339 |
| Net charge-offs to loans | -0.0795% | 7,115 |
| Credit loss provision to net charge-offs | -326.0870% | 6,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9418% | 6,719 |
| Assets per employee ($millions) | 3.1612% | 5,723 |
| Cash dividends to net income (ytd only)* | 37.8518% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 3,763 |
| Loan loss allowance to noncurrent loans | 94.9311% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 1.2651% | 4,366 |
| Noncurrent loans to loans | 1.6680% | 3,921 |
| Net loans and leases to total assets | 71.5582% | 1,870 |
| Net loans and leases to deposits | 86.1743% | 1,770 |
| Net loans and leases to core deposits | 88.8726% | 2,519 |
| Total domestic deposits to total assets | 83.0389% | 4,736 |
| Equity capital to assets | 12.0555% | 2,055 |
| Core capital (leverage) ratio | 9.9380% | 3,342 |
| Tier 1 risk-based capital ratio | 13.9099% | 4,230 |
| Total risk-based capital ratio | 15.1647% | 4,197 |
| Memoranda: | ||
| Average total assets | $331,923,000 | 1,965 |
| Average earning assets | $301,882,670 | 1,961 |
| Average equity | $38,666,000 | 1,735 |
| Average total loans | $231,483,000 | 1,838 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1845% | 342 |
| Cost of funding earning assets | 0.6621% | 6,337 |
| Net interest margin | 5.5225% | 158 |
| Noninterest income to average assets | 0.8391% | 1,887 |
| Noninterest expense to average assets | 3.2185% | 2,823 |
| Loan and lease loss provision to assets | 0.3633% | 2,384 |
| Net operating income to assets | 2.2873% | 234 |
| Return on assets (ROA) | 2.2873% | 246 |
| Pretax return on assets | 2.2873% | 353 |
| Return on Equity (ROE) | 19.9889% | 328 |
| Retained earnings to average equity (ytd only) | 11.4494% | 822 |
| Net charge-offs to loans | -0.1526% | 7,206 |
| Credit loss provision to net charge-offs | -348.8372% | 5,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7240% | 6,716 |
| Assets per employee ($millions) | 3.0632% | 6,019 |
| Cash dividends to net income (ytd only)* | 42.7210% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6847% | 3,394 |
| Loan loss allowance to noncurrent loans | 93.0660% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.2803% | 4,399 |
| Noncurrent loans to loans | 1.8102% | 3,815 |
| Net loans and leases to total assets | 66.7133% | 2,830 |
| Net loans and leases to deposits | 80.2220% | 2,678 |
| Net loans and leases to core deposits | 82.8102% | 3,334 |
| Total domestic deposits to total assets | 83.1608% | 4,869 |
| Equity capital to assets | 11.3875% | 2,355 |
| Core capital (leverage) ratio | 9.5403% | 3,747 |
| Tier 1 risk-based capital ratio | 13.5911% | 4,364 |
| Total risk-based capital ratio | 14.8464% | 4,329 |
| Memoranda: | ||
| Average total assets | $330,342,500 | 1,980 |
| Average earning assets | $300,879,000 | 1,983 |
| Average equity | $37,801,000 | 1,763 |
| Average total loans | $225,405,500 | 1,892 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3045% | 459 |
| Cost of funding earning assets | 0.9130% | 6,117 |
| Net interest margin | 5.3914% | 204 |
| Noninterest income to average assets | 1.0368% | 1,398 |
| Noninterest expense to average assets | 3.6272% | 1,857 |
| Loan and lease loss provision to assets | 0.2863% | 4,510 |
| Net operating income to assets | 1.9576% | 303 |
| Return on assets (ROA) | 1.9576% | 320 |
| Pretax return on assets | 1.9684% | 518 |
| Return on Equity (ROE) | 16.4285% | 536 |
| Retained earnings to average equity (ytd only) | 4.3120% | 2,822 |
| Net charge-offs to loans | 0.2504% | 4,789 |
| Credit loss provision to net charge-offs | 162.1622% | 2,144 |
| Earnings coverage of net charge-offs (x) | 12.7694% | 1,472 |
| Efficiency ratio | 60.5095% | 5,965 |
| Assets per employee ($millions) | 2.8904% | 6,351 |
| Cash dividends to net income (ytd only)* | 73.7526% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5601% | 3,739 |
| Loan loss allowance to noncurrent loans | 65.6067% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.6860% | 3,770 |
| Noncurrent loans to loans | 2.3780% | 3,140 |
| Net loans and leases to total assets | 67.5561% | 3,091 |
| Net loans and leases to deposits | 80.8223% | 3,023 |
| Net loans and leases to core deposits | 84.0232% | 3,592 |
| Total domestic deposits to total assets | 83.5859% | 4,566 |
| Equity capital to assets | 11.5007% | 2,259 |
| Core capital (leverage) ratio | 9.5578% | 3,633 |
| Tier 1 risk-based capital ratio | 13.5145% | 4,185 |
| Total risk-based capital ratio | 14.7682% | 4,156 |
| Memoranda: | ||
| Average total assets | $314,318,400 | 2,065 |
| Average earning assets | $282,466,800 | 2,091 |
| Average equity | $37,453,200 | 1,765 |
| Average total loans | $221,636,800 | 1,956 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3802% | 433 |
| Cost of funding earning assets | 0.9319% | 6,268 |
| Net interest margin | 5.4482% | 191 |
| Noninterest income to average assets | 1.0544% | 1,293 |
| Noninterest expense to average assets | 3.4661% | 2,123 |
| Loan and lease loss provision to assets | 0.2564% | 4,531 |
| Net operating income to assets | 2.1993% | 240 |
| Return on assets (ROA) | 2.1993% | 254 |
| Pretax return on assets | 2.2066% | 404 |
| Return on Equity (ROE) | 18.2922% | 456 |
| Retained earnings to average equity (ytd only) | 9.0643% | 1,037 |
| Net charge-offs to loans | 0.0295% | 6,266 |
| Credit loss provision to net charge-offs | 1,224.4898% | 244 |
| Earnings coverage of net charge-offs (x) | 117.6153% | 272 |
| Efficiency ratio | 57.2983% | 6,376 |
| Assets per employee ($millions) | 2.7728% | 6,643 |
| Cash dividends to net income (ytd only)* | 50.4470% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6241% | 3,429 |
| Loan loss allowance to noncurrent loans | 63.9610% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.8985% | 3,616 |
| Noncurrent loans to loans | 2.5392% | 3,083 |
| Net loans and leases to total assets | 70.3670% | 2,645 |
| Net loans and leases to deposits | 85.0363% | 2,517 |
| Net loans and leases to core deposits | 89.3636% | 3,195 |
| Total domestic deposits to total assets | 82.7494% | 4,698 |
| Equity capital to assets | 12.1919% | 2,036 |
| Core capital (leverage) ratio | 9.9965% | 3,259 |
| Tier 1 risk-based capital ratio | 13.9339% | 3,889 |
| Total risk-based capital ratio | 15.1891% | 3,841 |
| Memoranda: | ||
| Average total assets | $311,966,000 | 2,115 |
| Average earning assets | $279,128,750 | 2,150 |
| Average equity | $37,508,750 | 1,777 |
| Average total loans | $221,505,000 | 1,990 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4545% | 366 |
| Cost of funding earning assets | 0.9369% | 6,434 |
| Net interest margin | 5.5175% | 163 |
| Noninterest income to average assets | 1.0651% | 1,180 |
| Noninterest expense to average assets | 3.3993% | 2,264 |
| Loan and lease loss provision to assets | 0.1932% | 4,947 |
| Net operating income to assets | 2.4212% | 156 |
| Return on assets (ROA) | 2.4212% | 164 |
| Pretax return on assets | 2.4212% | 264 |
| Return on Equity (ROE) | 20.2337% | 302 |
| Retained earnings to average equity (ytd only) | 10.9133% | 675 |
| Net charge-offs to loans | 0.0446% | 5,760 |
| Credit loss provision to net charge-offs | 612.2449% | 596 |
| Earnings coverage of net charge-offs (x) | 82.8571% | 386 |
| Efficiency ratio | 55.3807% | 6,718 |
| Assets per employee ($millions) | 2.7220% | 6,743 |
| Cash dividends to net income (ytd only)* | 46.0638% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4934% | 3,972 |
| Loan loss allowance to noncurrent loans | 117.1647% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.9386% | 5,251 |
| Noncurrent loans to loans | 1.2746% | 4,834 |
| Net loans and leases to total assets | 71.0545% | 2,638 |
| Net loans and leases to deposits | 86.2460% | 2,473 |
| Net loans and leases to core deposits | 90.9611% | 3,129 |
| Total domestic deposits to total assets | 82.3858% | 4,829 |
| Equity capital to assets | 12.1044% | 2,040 |
| Core capital (leverage) ratio | 10.0432% | 3,121 |
| Tier 1 risk-based capital ratio | 13.7091% | 3,934 |
| Total risk-based capital ratio | 14.9626% | 3,893 |
| Memoranda: | ||
| Average total assets | $310,590,000 | 2,146 |
| Average earning assets | $278,566,330 | 2,166 |
| Average equity | $37,165,670 | 1,792 |
| Average total loans | $219,974,000 | 2,023 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5249% | 341 |
| Cost of funding earning assets | 0.9649% | 6,525 |
| Net interest margin | 5.5600% | 163 |
| Noninterest income to average assets | 1.0473% | 1,165 |
| Noninterest expense to average assets | 3.2815% | 2,591 |
| Loan and lease loss provision to assets | 0.1939% | 4,560 |
| Net operating income to assets | 2.5561% | 141 |
| Return on assets (ROA) | 2.5561% | 154 |
| Pretax return on assets | 2.5561% | 235 |
| Return on Equity (ROE) | 21.4871% | 301 |
| Retained earnings to average equity (ytd only) | 21.4871% | 164 |
| Net charge-offs to loans | 0.0498% | 4,907 |
| Credit loss provision to net charge-offs | 555.5556% | 775 |
| Earnings coverage of net charge-offs (x) | 78.7778% | 394 |
| Efficiency ratio | 53.2476% | 7,043 |
| Assets per employee ($millions) | 2.7842% | 6,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 4,012 |
| Loan loss allowance to noncurrent loans | 150.8136% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.7259% | 5,710 |
| Noncurrent loans to loans | 0.9813% | 5,365 |
| Net loans and leases to total assets | 70.5149% | 2,795 |
| Net loans and leases to deposits | 85.6304% | 2,664 |
| Net loans and leases to core deposits | 90.1956% | 3,342 |
| Total domestic deposits to total assets | 82.3480% | 4,912 |
| Equity capital to assets | 12.3180% | 1,860 |
| Core capital (leverage) ratio | 10.0730% | 3,074 |
| Tier 1 risk-based capital ratio | 13.9422% | 3,699 |
| Total risk-based capital ratio | 15.1952% | 3,654 |
| Memoranda: | ||
| Average total assets | $309,372,000 | 2,200 |
| Average earning assets | $277,339,000 | 2,224 |
| Average equity | $36,803,500 | 1,828 |
| Average total loans | $217,065,500 | 2,103 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7797% | 396 |
| Cost of funding earning assets | 1.1523% | 6,814 |
| Net interest margin | 5.6274% | 165 |
| Noninterest income to average assets | 1.1243% | 1,217 |
| Noninterest expense to average assets | 3.6547% | 2,019 |
| Loan and lease loss provision to assets | 0.2063% | 5,692 |
| Net operating income to assets | 2.2821% | 124 |
| Return on assets (ROA) | 2.2881% | 134 |
| Pretax return on assets | 2.2881% | 229 |
| Return on Equity (ROE) | 19.7906% | 253 |
| Retained earnings to average equity (ytd only) | 9.9600% | 377 |
| Net charge-offs to loans | 0.1578% | 5,698 |
| Credit loss provision to net charge-offs | 188.4498% | 2,135 |
| Earnings coverage of net charge-offs (x) | 22.7264% | 952 |
| Efficiency ratio | 57.7311% | 6,802 |
| Assets per employee ($millions) | 2.8152% | 6,634 |
| Cash dividends to net income (ytd only)* | 49.6727% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 3,961 |
| Loan loss allowance to noncurrent loans | 218.2517% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.4615% | 6,305 |
| Noncurrent loans to loans | 0.6653% | 5,913 |
| Net loans and leases to total assets | 67.7817% | 3,753 |
| Net loans and leases to deposits | 81.4586% | 3,705 |
| Net loans and leases to core deposits | 95.9832% | 4,470 |
| Total domestic deposits to total assets | 83.2100% | 4,418 |
| Equity capital to assets | 11.4828% | 2,332 |
| Core capital (leverage) ratio | 9.3980% | 3,837 |
| Tier 1 risk-based capital ratio | 13.0408% | 4,119 |
| Total risk-based capital ratio | 14.2931% | 4,063 |
| Memoranda: | ||
| Average total assets | $300,464,200 | 2,214 |
| Average earning assets | $267,976,000 | 2,255 |
| Average equity | $34,738,800 | 1,935 |
| Average total loans | $208,522,600 | 2,218 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8670% | 378 |
| Cost of funding earning assets | 1.2025% | 6,877 |
| Net interest margin | 5.6645% | 148 |
| Noninterest income to average assets | 1.1632% | 1,167 |
| Noninterest expense to average assets | 3.6311% | 1,956 |
| Loan and lease loss provision to assets | 0.2308% | 5,123 |
| Net operating income to assets | 2.3456% | 138 |
| Return on assets (ROA) | 2.3537% | 150 |
| Pretax return on assets | 2.3537% | 260 |
| Return on Equity (ROE) | 20.3209% | 290 |
| Retained earnings to average equity (ytd only) | 15.3055% | 150 |
| Net charge-offs to loans | 0.1063% | 5,606 |
| Credit loss provision to net charge-offs | 312.1212% | 1,324 |
| Earnings coverage of net charge-offs (x) | 34.8371% | 833 |
| Efficiency ratio | 56.5312% | 6,932 |
| Assets per employee ($millions) | 2.6256% | 7,002 |
| Cash dividends to net income (ytd only)* | 24.6811% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4694% | 3,599 |
| Loan loss allowance to noncurrent loans | 273.6661% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 6,486 |
| Noncurrent loans to loans | 0.5369% | 6,235 |
| Net loans and leases to total assets | 71.2412% | 3,214 |
| Net loans and leases to deposits | 86.9948% | 3,145 |
| Net loans and leases to core deposits | 109.0312% | 3,343 |
| Total domestic deposits to total assets | 81.8913% | 4,717 |
| Equity capital to assets | 12.2146% | 2,113 |
| Core capital (leverage) ratio | 9.9694% | 3,321 |
| Tier 1 risk-based capital ratio | 13.3826% | 3,939 |
| Total risk-based capital ratio | 14.6356% | 3,876 |
| Memoranda: | ||
| Average total assets | $297,459,250 | 2,244 |
| Average earning assets | $264,895,000 | 2,299 |
| Average equity | $34,453,000 | 1,974 |
| Average total loans | $206,921,250 | 2,253 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9116% | 372 |
| Cost of funding earning assets | 1.2603% | 6,925 |
| Net interest margin | 5.6513% | 150 |
| Noninterest income to average assets | 1.2060% | 1,072 |
| Noninterest expense to average assets | 3.6073% | 2,052 |
| Loan and lease loss provision to assets | 0.2762% | 4,369 |
| Net operating income to assets | 2.3407% | 147 |
| Return on assets (ROA) | 2.3528% | 161 |
| Pretax return on assets | 2.3528% | 274 |
| Return on Equity (ROE) | 20.6931% | 291 |
| Retained earnings to average equity (ytd only) | 15.5673% | 178 |
| Net charge-offs to loans | 0.1953% | 4,317 |
| Credit loss provision to net charge-offs | 206.0302% | 2,214 |
| Earnings coverage of net charge-offs (x) | 19.5176% | 1,360 |
| Efficiency ratio | 55.8887% | 7,133 |
| Assets per employee ($millions) | 2.4966% | 7,260 |
| Cash dividends to net income (ytd only)* | 24.7709% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 3,501 |
| Loan loss allowance to noncurrent loans | 221.9708% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4690% | 6,269 |
| Noncurrent loans to loans | 0.6505% | 5,953 |
| Net loans and leases to total assets | 71.0635% | 3,451 |
| Net loans and leases to deposits | 86.4676% | 3,466 |
| Net loans and leases to core deposits | 102.6781% | 4,210 |
| Total domestic deposits to total assets | 82.1851% | 4,612 |
| Equity capital to assets | 11.9378% | 2,242 |
| Core capital (leverage) ratio | 9.3175% | 4,141 |
| Tier 1 risk-based capital ratio | 12.9497% | 4,185 |
| Total risk-based capital ratio | 14.1723% | 4,117 |
| Memoranda: | ||
| Average total assets | $296,838,670 | 2,271 |
| Average earning assets | $263,585,670 | 2,316 |
| Average equity | $33,750,330 | 2,010 |
| Average total loans | $203,755,000 | 2,310 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9406% | 381 |
| Cost of funding earning assets | 1.2884% | 7,050 |
| Net interest margin | 5.6522% | 147 |
| Noninterest income to average assets | 1.2486% | 917 |
| Noninterest expense to average assets | 3.3127% | 2,624 |
| Loan and lease loss provision to assets | 0.3008% | 3,542 |
| Net operating income to assets | 2.6376% | 102 |
| Return on assets (ROA) | 2.6617% | 125 |
| Pretax return on assets | 2.6617% | 190 |
| Return on Equity (ROE) | 23.9948% | 217 |
| Retained earnings to average equity (ytd only) | 23.9948% | 95 |
| Net charge-offs to loans | 0.2616% | 3,094 |
| Credit loss provision to net charge-offs | 171.7557% | 2,494 |
| Earnings coverage of net charge-offs (x) | 16.7786% | 1,535 |
| Efficiency ratio | 50.9837% | 7,512 |
| Assets per employee ($millions) | 2.7957% | 6,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4400% | 3,290 |
| Loan loss allowance to noncurrent loans | 235.2373% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 5,697 |
| Noncurrent loans to loans | 0.6122% | 5,868 |
| Net loans and leases to total assets | 66.9008% | 4,362 |
| Net loans and leases to deposits | 80.3950% | 4,548 |
| Net loans and leases to core deposits | 93.8872% | 5,164 |
| Total domestic deposits to total assets | 83.2151% | 4,038 |
| Equity capital to assets | 11.4621% | 2,614 |
| Core capital (leverage) ratio | 9.0606% | 4,609 |
| Tier 1 risk-based capital ratio | 12.6636% | 4,424 |
| Total risk-based capital ratio | 13.9154% | 4,341 |
| Memoranda: | ||
| Average total assets | $299,209,000 | 2,273 |
| Average earning assets | $264,817,500 | 2,327 |
| Average equity | $33,190,500 | 2,040 |
| Average total loans | $200,324,500 | 2,366 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4621% | 443 |
| Cost of funding earning assets | 1.8598% | 6,851 |
| Net interest margin | 5.6023% | 175 |
| Noninterest income to average assets | 0.9822% | 1,639 |
| Noninterest expense to average assets | 3.7615% | 1,831 |
| Loan and lease loss provision to assets | 0.2964% | 4,013 |
| Net operating income to assets | 1.8971% | 431 |
| Return on assets (ROA) | 1.8943% | 430 |
| Pretax return on assets | 1.8943% | 775 |
| Return on Equity (ROE) | 17.4789% | 577 |
| Retained earnings to average equity (ytd only) | 8.5605% | 692 |
| Net charge-offs to loans | 0.1846% | 4,355 |
| Credit loss provision to net charge-offs | 240.0576% | 1,949 |
| Earnings coverage of net charge-offs (x) | 17.7637% | 1,748 |
| Efficiency ratio | 60.8880% | 6,185 |
| Assets per employee ($millions) | 2.8502% | 6,448 |
| Cash dividends to net income (ytd only)* | 51.0239% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 3,020 |
| Loan loss allowance to noncurrent loans | 158.8995% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.6018% | 5,393 |
| Noncurrent loans to loans | 0.9013% | 4,820 |
| Net loans and leases to total assets | 65.0793% | 5,043 |
| Net loans and leases to deposits | 76.6261% | 5,517 |
| Net loans and leases to core deposits | 92.0523% | 5,635 |
| Total domestic deposits to total assets | 84.9309% | 2,872 |
| Equity capital to assets | 10.7236% | 3,276 |
| Core capital (leverage) ratio | 8.6399% | 5,304 |
| Tier 1 risk-based capital ratio | 12.1801% | 4,681 |
| Total risk-based capital ratio | 13.4321% | 4,571 |
| Memoranda: | ||
| Average total assets | $281,005,800 | 2,309 |
| Average earning assets | $249,434,000 | 2,377 |
| Average equity | $30,453,800 | 2,221 |
| Average total loans | $187,994,200 | 2,418 |