Home > State Bank > Performance and Condition Ratios
State Bank, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7162% | 2,311 |
| Cost of funding earning assets | 0.6979% | 3,179 |
| Net interest margin | 4.0183% | 1,861 |
| Noninterest income to average assets | 0.4656% | 2,872 |
| Noninterest expense to average assets | 2.2738% | 4,076 |
| Loan and lease loss provision to assets | 0.3240% | 411 |
| Net operating income to assets | 1.1187% | 2,445 |
| Return on assets (ROA) | 1.2043% | 2,194 |
| Pretax return on assets | 1.5221% | 1,784 |
| Return on Equity (ROE) | 9.0016% | 2,853 |
| Retained earnings to average equity (ytd only) | 6.0954% | 2,239 |
| Net charge-offs to loans | 0.0200% | 2,462 |
| Credit loss provision to net charge-offs | 2,604.1667% | 146 |
| Earnings coverage of net charge-offs (x) | 139.6667% | 524 |
| Efficiency ratio | 56.6813% | 4,167 |
| Assets per employee ($millions) | 5.3857% | 2,061 |
| Cash dividends to net income (ytd only)* | 32.2858% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2525% | 5,200 |
| Loan loss allowance to noncurrent loans | 32.0876% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 2,527 |
| Noncurrent loans to loans | 0.7869% | 2,022 |
| Net loans and leases to total assets | 62.9758% | 3,454 |
| Net loans and leases to deposits | 75.9924% | 3,335 |
| Net loans and leases to core deposits | 79.6166% | 3,451 |
| Total domestic deposits to total assets | 82.8712% | 3,250 |
| Equity capital to assets | 15.6286% | 683 |
| Core capital (leverage) ratio | 8.5522% | 4,942 |
| Tier 1 risk-based capital ratio | 11.6631% | 4,602 |
| Total risk-based capital ratio | 11.8960% | 4,969 |
| Memoranda: | ||
| Average total assets | $385,779,000 | 1,804 |
| Average earning assets | $340,440,000 | 1,866 |
| Average equity | $51,613,000 | 1,548 |
| Average total loans | $239,673,670 | 1,901 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4609% | 3,004 |
| Cost of funding earning assets | 0.8522% | 2,260 |
| Net interest margin | 3.6087% | 3,223 |
| Noninterest income to average assets | 0.4665% | 2,758 |
| Noninterest expense to average assets | 2.0094% | 4,622 |
| Loan and lease loss provision to assets | 0.2819% | 478 |
| Net operating income to assets | 1.1563% | 2,236 |
| Return on assets (ROA) | 1.1718% | 2,224 |
| Pretax return on assets | 1.3932% | 2,104 |
| Return on Equity (ROE) | 9.5330% | 2,577 |
| Retained earnings to average equity (ytd only) | 5.3629% | 2,756 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8098% | 4,456 |
| Assets per employee ($millions) | 5.6412% | 1,849 |
| Cash dividends to net income (ytd only)* | 43.7445% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1143% | 5,297 |
| Loan loss allowance to noncurrent loans | 12.8325% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 2,317 |
| Noncurrent loans to loans | 0.8905% | 1,873 |
| Net loans and leases to total assets | 62.6620% | 3,438 |
| Net loans and leases to deposits | 74.8265% | 3,374 |
| Net loans and leases to core deposits | 78.2679% | 3,495 |
| Total domestic deposits to total assets | 83.7431% | 3,133 |
| Equity capital to assets | 14.8984% | 774 |
| Core capital (leverage) ratio | 8.3591% | 5,083 |
| Tier 1 risk-based capital ratio | 11.1044% | 4,928 |
| Total risk-based capital ratio | 11.2119% | 5,246 |
| Memoranda: | ||
| Average total assets | $390,167,500 | 1,808 |
| Average earning assets | $345,942,000 | 1,866 |
| Average equity | $47,959,500 | 1,643 |
| Average total loans | $240,500,000 | 1,911 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0746% | 3,820 |
| Cost of funding earning assets | 0.7705% | 1,687 |
| Net interest margin | 3.3041% | 4,247 |
| Noninterest income to average assets | 0.5390% | 2,614 |
| Noninterest expense to average assets | 2.3024% | 4,118 |
| Loan and lease loss provision to assets | 0.0509% | 3,168 |
| Net operating income to assets | 1.1536% | 2,370 |
| Return on assets (ROA) | 1.1648% | 2,325 |
| Pretax return on assets | 1.1804% | 2,962 |
| Return on Equity (ROE) | 11.8861% | 1,753 |
| Retained earnings to average equity (ytd only) | 4.5572% | 3,015 |
| Net charge-offs to loans | 0.0307% | 2,786 |
| Credit loss provision to net charge-offs | 274.6479% | 1,101 |
| Earnings coverage of net charge-offs (x) | 65.8028% | 969 |
| Efficiency ratio | 65.3618% | 2,979 |
| Assets per employee ($millions) | 5.4347% | 2,021 |
| Cash dividends to net income (ytd only)* | 61.6592% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 3,687 |
| Loan loss allowance to noncurrent loans | 144.3844% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 2,788 |
| Noncurrent loans to loans | 0.6927% | 2,254 |
| Net loans and leases to total assets | 59.9769% | 3,781 |
| Net loans and leases to deposits | 70.6496% | 3,776 |
| Net loans and leases to core deposits | 73.6400% | 3,880 |
| Total domestic deposits to total assets | 84.8935% | 2,689 |
| Equity capital to assets | 9.7719% | 3,884 |
| Core capital (leverage) ratio | 8.2374% | 5,152 |
| Tier 1 risk-based capital ratio | 11.1625% | 4,883 |
| Total risk-based capital ratio | 12.0156% | 4,975 |
| Memoranda: | ||
| Average total assets | $382,910,600 | 1,788 |
| Average earning assets | $345,749,600 | 1,832 |
| Average equity | $37,522,800 | 1,963 |
| Average total loans | $231,340,600 | 1,938 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0355% | 3,825 |
| Cost of funding earning assets | 0.7357% | 1,646 |
| Net interest margin | 3.2997% | 4,277 |
| Noninterest income to average assets | 0.4916% | 2,919 |
| Noninterest expense to average assets | 2.2990% | 4,105 |
| Loan and lease loss provision to assets | 0.0562% | 2,849 |
| Net operating income to assets | 1.0535% | 2,857 |
| Return on assets (ROA) | 1.0678% | 2,809 |
| Pretax return on assets | 1.1219% | 3,310 |
| Return on Equity (ROE) | 10.8888% | 2,225 |
| Retained earnings to average equity (ytd only) | 1.0355% | 4,847 |
| Net charge-offs to loans | 0.0105% | 3,050 |
| Credit loss provision to net charge-offs | 888.8889% | 449 |
| Earnings coverage of net charge-offs (x) | 183.8842% | 468 |
| Efficiency ratio | 66.4062% | 2,797 |
| Assets per employee ($millions) | 5.2260% | 2,199 |
| Cash dividends to net income (ytd only)* | 90.4904% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,593 |
| Loan loss allowance to noncurrent loans | 118.0887% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.5376% | 2,581 |
| Noncurrent loans to loans | 0.8708% | 1,960 |
| Net loans and leases to total assets | 61.1046% | 3,740 |
| Net loans and leases to deposits | 76.1132% | 3,410 |
| Net loans and leases to core deposits | 77.9239% | 3,662 |
| Total domestic deposits to total assets | 80.2813% | 4,046 |
| Equity capital to assets | 9.4578% | 4,119 |
| Core capital (leverage) ratio | 8.0538% | 5,307 |
| Tier 1 risk-based capital ratio | 10.8169% | 5,125 |
| Total risk-based capital ratio | 11.6856% | 5,181 |
| Memoranda: | ||
| Average total assets | $379,455,500 | 1,811 |
| Average earning assets | $341,596,250 | 1,853 |
| Average equity | $37,211,500 | 1,977 |
| Average total loans | $229,088,000 | 1,959 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9893% | 3,818 |
| Cost of funding earning assets | 0.6946% | 1,651 |
| Net interest margin | 3.2947% | 4,263 |
| Noninterest income to average assets | 0.5027% | 2,845 |
| Noninterest expense to average assets | 2.3127% | 4,116 |
| Loan and lease loss provision to assets | 0.0634% | 2,636 |
| Net operating income to assets | 1.0391% | 2,853 |
| Return on assets (ROA) | 1.0391% | 2,857 |
| Pretax return on assets | 1.0919% | 3,347 |
| Return on Equity (ROE) | 10.4713% | 2,347 |
| Retained earnings to average equity (ytd only) | 4.0864% | 3,561 |
| Net charge-offs to loans | 0.0009% | 3,189 |
| Credit loss provision to net charge-offs | 12,000.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 2,188.0000% | 30 |
| Efficiency ratio | 66.6870% | 2,866 |
| Assets per employee ($millions) | 4.9674% | 2,465 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,520 |
| Loan loss allowance to noncurrent loans | 126.9984% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.5004% | 2,755 |
| Noncurrent loans to loans | 0.8287% | 2,070 |
| Net loans and leases to total assets | 59.7439% | 3,833 |
| Net loans and leases to deposits | 73.1374% | 3,610 |
| Net loans and leases to core deposits | 75.0193% | 3,809 |
| Total domestic deposits to total assets | 81.6872% | 3,817 |
| Equity capital to assets | 9.9006% | 3,721 |
| Core capital (leverage) ratio | 8.1994% | 5,261 |
| Tier 1 risk-based capital ratio | 11.1760% | 4,956 |
| Total risk-based capital ratio | 12.0520% | 5,046 |
| Memoranda: | ||
| Average total assets | $378,775,670 | 1,819 |
| Average earning assets | $340,907,670 | 1,861 |
| Average equity | $37,588,330 | 1,960 |
| Average total loans | $226,939,670 | 1,974 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9109% | 3,899 |
| Cost of funding earning assets | 0.6861% | 1,518 |
| Net interest margin | 3.2248% | 4,386 |
| Noninterest income to average assets | 0.5630% | 2,459 |
| Noninterest expense to average assets | 2.4112% | 3,915 |
| Loan and lease loss provision to assets | 0.0633% | 2,506 |
| Net operating income to assets | 0.9362% | 3,126 |
| Return on assets (ROA) | 0.9362% | 3,144 |
| Pretax return on assets | 0.9826% | 3,595 |
| Return on Equity (ROE) | 9.4233% | 2,702 |
| Retained earnings to average equity (ytd only) | 9.4233% | 1,319 |
| Net charge-offs to loans | -0.0018% | 3,798 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7469% | 2,523 |
| Assets per employee ($millions) | 4.9621% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 3,859 |
| Loan loss allowance to noncurrent loans | 124.4551% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4923% | 2,889 |
| Noncurrent loans to loans | 0.8166% | 2,182 |
| Net loans and leases to total assets | 59.6714% | 3,783 |
| Net loans and leases to deposits | 74.5474% | 3,362 |
| Net loans and leases to core deposits | 75.8068% | 3,686 |
| Total domestic deposits to total assets | 80.0450% | 4,408 |
| Equity capital to assets | 9.8111% | 3,782 |
| Core capital (leverage) ratio | 8.2970% | 5,264 |
| Tier 1 risk-based capital ratio | 11.1582% | 5,049 |
| Total risk-based capital ratio | 12.0091% | 5,156 |
| Memoranda: | ||
| Average total assets | $379,402,000 | 1,830 |
| Average earning assets | $340,483,000 | 1,870 |
| Average equity | $37,694,000 | 1,968 |
| Average total loans | $226,436,500 | 1,990 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8161% | 3,992 |
| Cost of funding earning assets | 0.5834% | 1,721 |
| Net interest margin | 3.2327% | 4,354 |
| Noninterest income to average assets | 0.5072% | 2,954 |
| Noninterest expense to average assets | 2.3761% | 4,143 |
| Loan and lease loss provision to assets | 0.0845% | 2,517 |
| Net operating income to assets | 0.9082% | 2,666 |
| Return on assets (ROA) | 1.1219% | 1,813 |
| Pretax return on assets | 1.1787% | 2,854 |
| Return on Equity (ROE) | 10.1816% | 1,813 |
| Retained earnings to average equity (ytd only) | -8.1113% | 5,504 |
| Net charge-offs to loans | 0.0300% | 3,200 |
| Credit loss provision to net charge-offs | 507.9365% | 608 |
| Earnings coverage of net charge-offs (x) | 62.4127% | 930 |
| Efficiency ratio | 69.5925% | 2,621 |
| Assets per employee ($millions) | 4.9569% | 2,532 |
| Cash dividends to net income (ytd only)* | 179.6658% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 3,777 |
| Loan loss allowance to noncurrent loans | 360.1896% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 4,214 |
| Noncurrent loans to loans | 0.2844% | 3,762 |
| Net loans and leases to total assets | 58.4671% | 3,970 |
| Net loans and leases to deposits | 72.4277% | 3,660 |
| Net loans and leases to core deposits | 73.2676% | 3,943 |
| Total domestic deposits to total assets | 80.7247% | 4,185 |
| Equity capital to assets | 10.0609% | 3,633 |
| Core capital (leverage) ratio | 8.2202% | 5,340 |
| Tier 1 risk-based capital ratio | 10.8833% | 5,211 |
| Total risk-based capital ratio | 11.7142% | 5,295 |
| Memoranda: | ||
| Average total assets | $378,723,400 | 1,792 |
| Average earning assets | $340,586,600 | 1,838 |
| Average equity | $41,732,000 | 1,787 |
| Average total loans | $210,191,600 | 2,076 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8015% | 4,012 |
| Cost of funding earning assets | 0.5591% | 1,816 |
| Net interest margin | 3.2424% | 4,349 |
| Noninterest income to average assets | 0.5028% | 3,016 |
| Noninterest expense to average assets | 2.3359% | 4,197 |
| Loan and lease loss provision to assets | 0.1020% | 2,071 |
| Net operating income to assets | 0.9372% | 2,845 |
| Return on assets (ROA) | 1.2161% | 1,655 |
| Pretax return on assets | 1.2780% | 2,597 |
| Return on Equity (ROE) | 10.8033% | 1,777 |
| Retained earnings to average equity (ytd only) | 6.1184% | 2,158 |
| Net charge-offs to loans | 0.0155% | 3,214 |
| Credit loss provision to net charge-offs | 1,208.3333% | 302 |
| Earnings coverage of net charge-offs (x) | 128.7469% | 599 |
| Efficiency ratio | 68.2556% | 2,830 |
| Assets per employee ($millions) | 4.9226% | 2,547 |
| Cash dividends to net income (ytd only)* | 43.3652% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,724 |
| Loan loss allowance to noncurrent loans | 547.6077% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 4,538 |
| Noncurrent loans to loans | 0.1938% | 4,307 |
| Net loans and leases to total assets | 57.8045% | 4,080 |
| Net loans and leases to deposits | 73.0199% | 3,662 |
| Net loans and leases to core deposits | 73.9654% | 3,977 |
| Total domestic deposits to total assets | 79.1627% | 4,504 |
| Equity capital to assets | 11.9933% | 1,968 |
| Core capital (leverage) ratio | 9.7448% | 3,887 |
| Tier 1 risk-based capital ratio | 13.2550% | 3,842 |
| Total risk-based capital ratio | 14.1182% | 4,002 |
| Memoranda: | ||
| Average total assets | $379,223,000 | 1,806 |
| Average earning assets | $341,468,500 | 1,847 |
| Average equity | $42,689,500 | 1,758 |
| Average total loans | $207,104,500 | 2,113 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7723% | 3,991 |
| Cost of funding earning assets | 0.5468% | 1,799 |
| Net interest margin | 3.2255% | 4,336 |
| Noninterest income to average assets | 0.4804% | 3,145 |
| Noninterest expense to average assets | 2.2689% | 4,425 |
| Loan and lease loss provision to assets | 0.0732% | 2,505 |
| Net operating income to assets | 0.9940% | 2,450 |
| Return on assets (ROA) | 1.2259% | 1,549 |
| Pretax return on assets | 1.2876% | 2,436 |
| Return on Equity (ROE) | 11.1244% | 1,597 |
| Retained earnings to average equity (ytd only) | 6.3805% | 1,910 |
| Net charge-offs to loans | -0.0235% | 4,835 |
| Credit loss provision to net charge-offs | -583.3333% | 4,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0167% | 3,180 |
| Assets per employee ($millions) | 4.7785% | 2,679 |
| Cash dividends to net income (ytd only)* | 42.6439% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 3,818 |
| Loan loss allowance to noncurrent loans | 525.7212% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 4,609 |
| Noncurrent loans to loans | 0.2009% | 4,312 |
| Net loans and leases to total assets | 54.9796% | 4,314 |
| Net loans and leases to deposits | 66.8864% | 4,157 |
| Net loans and leases to core deposits | 67.9130% | 4,354 |
| Total domestic deposits to total assets | 82.1984% | 3,830 |
| Equity capital to assets | 11.8502% | 2,039 |
| Core capital (leverage) ratio | 9.2505% | 4,434 |
| Tier 1 risk-based capital ratio | 13.1916% | 3,887 |
| Total risk-based capital ratio | 14.0275% | 4,041 |
| Memoranda: | ||
| Average total assets | $382,564,670 | 1,796 |
| Average earning assets | $344,563,330 | 1,836 |
| Average equity | $42,159,670 | 1,770 |
| Average total loans | $204,238,670 | 2,132 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6715% | 4,198 |
| Cost of funding earning assets | 0.5508% | 1,707 |
| Net interest margin | 3.1206% | 4,601 |
| Noninterest income to average assets | 0.4749% | 3,151 |
| Noninterest expense to average assets | 2.3536% | 4,251 |
| Loan and lease loss provision to assets | 0.0516% | 2,777 |
| Net operating income to assets | 0.8408% | 3,039 |
| Return on assets (ROA) | 0.8898% | 2,862 |
| Pretax return on assets | 0.9342% | 3,646 |
| Return on Equity (ROE) | 8.3780% | 2,727 |
| Retained earnings to average equity (ytd only) | -1.3413% | 5,108 |
| Net charge-offs to loans | -0.0434% | 5,118 |
| Credit loss provision to net charge-offs | -227.2727% | 4,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5856% | 2,652 |
| Assets per employee ($millions) | 5.2025% | 2,184 |
| Cash dividends to net income (ytd only)* | 116.0093% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 4,213 |
| Loan loss allowance to noncurrent loans | 449.5708% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 4,659 |
| Noncurrent loans to loans | 0.2248% | 4,304 |
| Net loans and leases to total assets | 52.5871% | 4,465 |
| Net loans and leases to deposits | 65.4024% | 4,219 |
| Net loans and leases to core deposits | 66.5502% | 4,396 |
| Total domestic deposits to total assets | 80.4054% | 4,546 |
| Equity capital to assets | 10.6515% | 3,012 |
| Core capital (leverage) ratio | 8.7324% | 5,019 |
| Tier 1 risk-based capital ratio | 12.1793% | 4,598 |
| Total risk-based capital ratio | 12.9524% | 4,809 |
| Memoranda: | ||
| Average total assets | $387,487,000 | 1,787 |
| Average earning assets | $349,288,500 | 1,830 |
| Average equity | $41,155,500 | 1,813 |
| Average total loans | $202,804,500 | 2,153 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7855% | 3,957 |
| Cost of funding earning assets | 0.5494% | 1,694 |
| Net interest margin | 3.2361% | 4,341 |
| Noninterest income to average assets | 0.5014% | 3,227 |
| Noninterest expense to average assets | 2.2696% | 4,616 |
| Loan and lease loss provision to assets | 0.0959% | 2,447 |
| Net operating income to assets | 1.0097% | 2,310 |
| Return on assets (ROA) | 1.0941% | 2,020 |
| Pretax return on assets | 1.1491% | 2,897 |
| Return on Equity (ROE) | 9.7275% | 2,090 |
| Retained earnings to average equity (ytd only) | 2.7393% | 3,952 |
| Net charge-offs to loans | -0.1135% | 5,625 |
| Credit loss provision to net charge-offs | -167.8899% | 4,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2511% | 3,555 |
| Assets per employee ($millions) | 4.9972% | 2,396 |
| Cash dividends to net income (ytd only)* | 71.8391% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 4,193 |
| Loan loss allowance to noncurrent loans | 318.5827% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 4,598 |
| Noncurrent loans to loans | 0.3202% | 3,999 |
| Net loans and leases to total assets | 51.0160% | 4,686 |
| Net loans and leases to deposits | 63.1962% | 4,461 |
| Net loans and leases to core deposits | 64.1860% | 4,625 |
| Total domestic deposits to total assets | 80.7264% | 4,407 |
| Equity capital to assets | 10.5903% | 3,055 |
| Core capital (leverage) ratio | 8.8000% | 4,965 |
| Tier 1 risk-based capital ratio | 12.3908% | 4,451 |
| Total risk-based capital ratio | 13.1458% | 4,684 |
| Memoranda: | ||
| Average total assets | $381,697,400 | 1,755 |
| Average earning assets | $344,920,800 | 1,803 |
| Average equity | $42,930,000 | 1,726 |
| Average total loans | $192,128,200 | 2,190 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8113% | 3,890 |
| Cost of funding earning assets | 0.5308% | 1,871 |
| Net interest margin | 3.2805% | 4,252 |
| Noninterest income to average assets | 0.4904% | 3,320 |
| Noninterest expense to average assets | 2.2779% | 4,586 |
| Loan and lease loss provision to assets | 0.1281% | 1,823 |
| Net operating income to assets | 1.0013% | 2,426 |
| Return on assets (ROA) | 1.1001% | 2,095 |
| Pretax return on assets | 1.1603% | 2,999 |
| Return on Equity (ROE) | 9.6390% | 2,210 |
| Retained earnings to average equity (ytd only) | 3.5054% | 3,794 |
| Net charge-offs to loans | -0.1602% | 5,706 |
| Credit loss provision to net charge-offs | -159.8253% | 4,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7905% | 3,623 |
| Assets per employee ($millions) | 5.0563% | 2,303 |
| Cash dividends to net income (ytd only)* | 63.6335% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 4,208 |
| Loan loss allowance to noncurrent loans | 389.6552% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 4,826 |
| Noncurrent loans to loans | 0.2658% | 4,312 |
| Net loans and leases to total assets | 51.2543% | 4,711 |
| Net loans and leases to deposits | 65.6000% | 4,379 |
| Net loans and leases to core deposits | 66.6743% | 4,560 |
| Total domestic deposits to total assets | 78.1315% | 4,887 |
| Equity capital to assets | 11.7171% | 2,330 |
| Core capital (leverage) ratio | 9.0167% | 4,813 |
| Tier 1 risk-based capital ratio | 12.6049% | 4,409 |
| Total risk-based capital ratio | 13.3784% | 4,623 |
| Memoranda: | ||
| Average total assets | $380,925,500 | 1,761 |
| Average earning assets | $345,103,250 | 1,805 |
| Average equity | $43,475,000 | 1,717 |
| Average total loans | $190,579,000 | 2,202 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8787% | 3,660 |
| Cost of funding earning assets | 0.5294% | 1,873 |
| Net interest margin | 3.3494% | 4,060 |
| Noninterest income to average assets | 0.4907% | 3,259 |
| Noninterest expense to average assets | 2.2470% | 4,738 |
| Loan and lease loss provision to assets | 0.1678% | 1,330 |
| Net operating income to assets | 1.0578% | 2,142 |
| Return on assets (ROA) | 1.1943% | 1,715 |
| Pretax return on assets | 1.2545% | 2,591 |
| Return on Equity (ROE) | 10.5572% | 1,827 |
| Retained earnings to average equity (ytd only) | 5.9228% | 2,163 |
| Net charge-offs to loans | -0.2757% | 5,872 |
| Credit loss provision to net charge-offs | -123.0769% | 4,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7323% | 4,068 |
| Assets per employee ($millions) | 5.0563% | 2,247 |
| Cash dividends to net income (ytd only)* | 43.8982% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 4,227 |
| Loan loss allowance to noncurrent loans | 773.5632% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 5,277 |
| Noncurrent loans to loans | 0.1359% | 4,898 |
| Net loans and leases to total assets | 50.1239% | 4,834 |
| Net loans and leases to deposits | 63.4411% | 4,535 |
| Net loans and leases to core deposits | 64.1053% | 4,744 |
| Total domestic deposits to total assets | 79.0086% | 4,786 |
| Equity capital to assets | 11.9145% | 2,182 |
| Core capital (leverage) ratio | 8.8950% | 4,944 |
| Tier 1 risk-based capital ratio | 12.7020% | 4,384 |
| Total risk-based capital ratio | 13.4729% | 4,609 |
| Memoranda: | ||
| Average total assets | $381,492,330 | 1,754 |
| Average earning assets | $345,678,670 | 1,795 |
| Average equity | $43,155,330 | 1,729 |
| Average total loans | $188,637,670 | 2,226 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6694% | 4,423 |
| Cost of funding earning assets | 0.5594% | 1,628 |
| Net interest margin | 3.1101% | 4,833 |
| Noninterest income to average assets | 0.4913% | 3,183 |
| Noninterest expense to average assets | 2.3156% | 4,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9413% | 2,554 |
| Return on assets (ROA) | 0.9890% | 2,440 |
| Pretax return on assets | 1.0391% | 3,327 |
| Return on Equity (ROE) | 8.9793% | 2,437 |
| Retained earnings to average equity (ytd only) | -0.5126% | 5,201 |
| Net charge-offs to loans | -0.0407% | 5,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0728% | 3,113 |
| Assets per employee ($millions) | 5.2355% | 2,099 |
| Cash dividends to net income (ytd only)* | 105.7082% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7544% | 5,478 |
| Loan loss allowance to noncurrent loans | 532.1168% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 5,310 |
| Noncurrent loans to loans | 0.1418% | 4,912 |
| Net loans and leases to total assets | 49.5057% | 4,843 |
| Net loans and leases to deposits | 61.3670% | 4,625 |
| Net loans and leases to core deposits | 61.9810% | 4,822 |
| Total domestic deposits to total assets | 80.6716% | 4,588 |
| Equity capital to assets | 10.9611% | 2,985 |
| Core capital (leverage) ratio | 8.5521% | 5,344 |
| Tier 1 risk-based capital ratio | 12.0325% | 4,893 |
| Total risk-based capital ratio | 12.5822% | 5,230 |
| Memoranda: | ||
| Average total assets | $382,625,500 | 1,752 |
| Average earning assets | $346,102,000 | 1,794 |
| Average equity | $42,141,500 | 1,754 |
| Average total loans | $186,905,500 | 2,240 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6623% | 4,481 |
| Cost of funding earning assets | 0.5622% | 1,656 |
| Net interest margin | 3.1001% | 4,900 |
| Noninterest income to average assets | 0.5265% | 3,160 |
| Noninterest expense to average assets | 2.2416% | 4,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0316% | 2,202 |
| Return on assets (ROA) | 1.1216% | 1,894 |
| Pretax return on assets | 1.1664% | 2,786 |
| Return on Equity (ROE) | 10.0917% | 1,975 |
| Retained earnings to average equity (ytd only) | 2.4627% | 4,315 |
| Net charge-offs to loans | -0.1566% | 5,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6367% | 3,639 |
| Assets per employee ($millions) | 4.9068% | 2,463 |
| Cash dividends to net income (ytd only)* | 75.5965% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 5,413 |
| Loan loss allowance to noncurrent loans | 352.6961% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 5,165 |
| Noncurrent loans to loans | 0.2260% | 4,620 |
| Net loans and leases to total assets | 47.4071% | 5,064 |
| Net loans and leases to deposits | 58.1732% | 4,900 |
| Net loans and leases to core deposits | 58.8604% | 5,049 |
| Total domestic deposits to total assets | 81.4931% | 4,338 |
| Equity capital to assets | 11.0678% | 2,755 |
| Core capital (leverage) ratio | 8.6648% | 5,257 |
| Tier 1 risk-based capital ratio | 12.5108% | 4,629 |
| Total risk-based capital ratio | 13.0722% | 4,975 |
| Memoranda: | ||
| Average total assets | $377,404,600 | 1,742 |
| Average earning assets | $339,377,600 | 1,786 |
| Average equity | $41,945,400 | 1,732 |
| Average total loans | $176,288,200 | 2,280 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6655% | 4,539 |
| Cost of funding earning assets | 0.5471% | 1,827 |
| Net interest margin | 3.1184% | 4,915 |
| Noninterest income to average assets | 0.5601% | 2,982 |
| Noninterest expense to average assets | 2.1171% | 5,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1883% | 1,686 |
| Return on assets (ROA) | 1.3001% | 1,395 |
| Pretax return on assets | 1.3626% | 2,170 |
| Return on Equity (ROE) | 11.6853% | 1,467 |
| Retained earnings to average equity (ytd only) | 5.3329% | 2,697 |
| Net charge-offs to loans | -0.1081% | 5,813 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9704% | 4,406 |
| Assets per employee ($millions) | 4.8650% | 2,463 |
| Cash dividends to net income (ytd only)* | 54.3626% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7230% | 5,680 |
| Loan loss allowance to noncurrent loans | 212.5407% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 4,849 |
| Noncurrent loans to loans | 0.3402% | 4,395 |
| Net loans and leases to total assets | 47.8372% | 5,093 |
| Net loans and leases to deposits | 60.5268% | 4,817 |
| Net loans and leases to core deposits | 61.3523% | 4,978 |
| Total domestic deposits to total assets | 79.0348% | 4,966 |
| Equity capital to assets | 11.3792% | 2,607 |
| Core capital (leverage) ratio | 8.9710% | 5,027 |
| Tier 1 risk-based capital ratio | 12.9305% | 4,467 |
| Total risk-based capital ratio | 13.4468% | 4,865 |
| Memoranda: | ||
| Average total assets | $377,299,000 | 1,753 |
| Average earning assets | $339,007,000 | 1,803 |
| Average equity | $41,977,500 | 1,752 |
| Average total loans | $175,221,250 | 2,303 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6691% | 4,510 |
| Cost of funding earning assets | 0.5466% | 1,849 |
| Net interest margin | 3.1224% | 4,908 |
| Noninterest income to average assets | 0.5521% | 3,028 |
| Noninterest expense to average assets | 2.1444% | 5,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1501% | 1,783 |
| Return on assets (ROA) | 1.2882% | 1,422 |
| Pretax return on assets | 1.3533% | 2,174 |
| Return on Equity (ROE) | 11.6664% | 1,481 |
| Retained earnings to average equity (ytd only) | 6.8772% | 1,752 |
| Net charge-offs to loans | -0.0980% | 5,781 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9691% | 4,366 |
| Assets per employee ($millions) | 4.9085% | 2,390 |
| Cash dividends to net income (ytd only)* | 41.0509% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 5,805 |
| Loan loss allowance to noncurrent loans | 206.2810% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2270% | 4,962 |
| Noncurrent loans to loans | 0.3426% | 4,460 |
| Net loans and leases to total assets | 46.3938% | 5,219 |
| Net loans and leases to deposits | 58.4602% | 4,957 |
| Net loans and leases to core deposits | 59.4053% | 5,111 |
| Total domestic deposits to total assets | 79.3598% | 5,011 |
| Equity capital to assets | 10.9948% | 2,885 |
| Core capital (leverage) ratio | 8.7078% | 5,312 |
| Tier 1 risk-based capital ratio | 12.8926% | 4,579 |
| Total risk-based capital ratio | 13.3887% | 4,950 |
| Memoranda: | ||
| Average total assets | $378,196,670 | 1,756 |
| Average earning assets | $339,158,000 | 1,809 |
| Average equity | $41,761,000 | 1,766 |
| Average total loans | $173,459,670 | 2,332 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6330% | 4,584 |
| Cost of funding earning assets | 0.5550% | 1,800 |
| Net interest margin | 3.0780% | 5,009 |
| Noninterest income to average assets | 0.5815% | 2,758 |
| Noninterest expense to average assets | 2.0681% | 5,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2121% | 1,510 |
| Return on assets (ROA) | 1.3206% | 1,292 |
| Pretax return on assets | 1.3893% | 1,928 |
| Return on Equity (ROE) | 11.9339% | 1,368 |
| Retained earnings to average equity (ytd only) | 2.3791% | 4,501 |
| Net charge-offs to loans | -0.1001% | 5,858 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8596% | 4,819 |
| Assets per employee ($millions) | 4.9755% | 2,391 |
| Cash dividends to net income (ytd only)* | 80.0641% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7003% | 5,908 |
| Loan loss allowance to noncurrent loans | 809.3960% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 5,532 |
| Noncurrent loans to loans | 0.0865% | 5,435 |
| Net loans and leases to total assets | 44.6378% | 5,295 |
| Net loans and leases to deposits | 54.8697% | 5,133 |
| Net loans and leases to core deposits | 55.7063% | 5,270 |
| Total domestic deposits to total assets | 81.3524% | 4,721 |
| Equity capital to assets | 11.1044% | 2,856 |
| Core capital (leverage) ratio | 8.5079% | 5,509 |
| Tier 1 risk-based capital ratio | 12.6065% | 4,836 |
| Total risk-based capital ratio | 13.0933% | 5,232 |
| Memoranda: | ||
| Average total assets | $378,319,500 | 1,759 |
| Average earning assets | $339,445,500 | 1,807 |
| Average equity | $41,864,000 | 1,766 |
| Average total loans | $171,892,500 | 2,352 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6843% | 4,835 |
| Cost of funding earning assets | 0.5936% | 1,816 |
| Net interest margin | 3.0908% | 5,232 |
| Noninterest income to average assets | 0.5570% | 3,134 |
| Noninterest expense to average assets | 2.1253% | 5,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1451% | 1,793 |
| Return on assets (ROA) | 1.1894% | 1,688 |
| Pretax return on assets | 1.2483% | 2,449 |
| Return on Equity (ROE) | 10.8203% | 1,780 |
| Retained earnings to average equity (ytd only) | 1.5138% | 5,079 |
| Net charge-offs to loans | -0.0296% | 5,785 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8816% | 4,605 |
| Assets per employee ($millions) | 4.8509% | 2,533 |
| Cash dividends to net income (ytd only)* | 86.0092% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6779% | 6,031 |
| Loan loss allowance to noncurrent loans | 142.8747% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 4,891 |
| Noncurrent loans to loans | 0.4745% | 4,234 |
| Net loans and leases to total assets | 45.6201% | 5,360 |
| Net loans and leases to deposits | 56.4808% | 5,152 |
| Net loans and leases to core deposits | 57.5922% | 5,281 |
| Total domestic deposits to total assets | 80.7709% | 4,803 |
| Equity capital to assets | 11.0261% | 2,868 |
| Core capital (leverage) ratio | 8.4867% | 5,572 |
| Tier 1 risk-based capital ratio | 12.0026% | 5,367 |
| Total risk-based capital ratio | 12.4608% | 5,741 |
| Memoranda: | ||
| Average total assets | $366,580,600 | 1,772 |
| Average earning assets | $328,527,600 | 1,832 |
| Average equity | $40,294,800 | 1,768 |
| Average total loans | $158,595,600 | 2,446 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7067% | 4,836 |
| Cost of funding earning assets | 0.5831% | 1,994 |
| Net interest margin | 3.1236% | 5,188 |
| Noninterest income to average assets | 0.4802% | 3,684 |
| Noninterest expense to average assets | 2.0143% | 5,748 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1951% | 1,691 |
| Return on assets (ROA) | 1.2531% | 1,573 |
| Pretax return on assets | 1.3185% | 2,310 |
| Return on Equity (ROE) | 11.4091% | 1,658 |
| Retained earnings to average equity (ytd only) | 2.2592% | 4,929 |
| Net charge-offs to loans | 0.0240% | 4,035 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 122.9009% | 484 |
| Efficiency ratio | 61.5660% | 4,950 |
| Assets per employee ($millions) | 4.9798% | 2,262 |
| Cash dividends to net income (ytd only)* | 80.1983% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6659% | 6,145 |
| Loan loss allowance to noncurrent loans | 1,908.7719% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 5,803 |
| Noncurrent loans to loans | 0.0349% | 5,886 |
| Net loans and leases to total assets | 44.6442% | 5,482 |
| Net loans and leases to deposits | 52.9521% | 5,466 |
| Net loans and leases to core deposits | 54.0582% | 5,561 |
| Total domestic deposits to total assets | 84.3106% | 3,640 |
| Equity capital to assets | 11.3827% | 2,603 |
| Core capital (leverage) ratio | 8.6173% | 5,535 |
| Tier 1 risk-based capital ratio | 12.6840% | 5,050 |
| Total risk-based capital ratio | 13.1364% | 5,487 |
| Memoranda: | ||
| Average total assets | $364,845,250 | 1,799 |
| Average earning assets | $326,066,750 | 1,852 |
| Average equity | $40,072,250 | 1,787 |
| Average total loans | $155,353,500 | 2,501 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7060% | 4,844 |
| Cost of funding earning assets | 0.5962% | 1,932 |
| Net interest margin | 3.1098% | 5,226 |
| Noninterest income to average assets | 0.5223% | 3,323 |
| Noninterest expense to average assets | 2.0171% | 5,812 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2108% | 1,556 |
| Return on assets (ROA) | 1.2664% | 1,460 |
| Pretax return on assets | 1.3283% | 2,157 |
| Return on Equity (ROE) | 11.6710% | 1,529 |
| Retained earnings to average equity (ytd only) | 1.5793% | 5,111 |
| Net charge-offs to loans | 0.0367% | 3,486 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 82.8214% | 639 |
| Efficiency ratio | 61.3693% | 5,097 |
| Assets per employee ($millions) | 5.1536% | 2,026 |
| Cash dividends to net income (ytd only)* | 86.4678% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6920% | 6,187 |
| Loan loss allowance to noncurrent loans | 384.4523% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 5,631 |
| Noncurrent loans to loans | 0.1800% | 5,470 |
| Net loans and leases to total assets | 42.6722% | 5,633 |
| Net loans and leases to deposits | 49.9718% | 5,636 |
| Net loans and leases to core deposits | 50.9105% | 5,740 |
| Total domestic deposits to total assets | 85.3925% | 3,328 |
| Equity capital to assets | 11.2225% | 2,681 |
| Core capital (leverage) ratio | 8.2917% | 5,857 |
| Tier 1 risk-based capital ratio | 12.7782% | 5,051 |
| Total risk-based capital ratio | 13.2399% | 5,478 |
| Memoranda: | ||
| Average total assets | $365,285,330 | 1,794 |
| Average earning assets | $324,713,330 | 1,852 |
| Average equity | $39,636,670 | 1,791 |
| Average total loans | $152,677,670 | 2,534 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7016% | 4,844 |
| Cost of funding earning assets | 0.6087% | 1,905 |
| Net interest margin | 3.0929% | 5,276 |
| Noninterest income to average assets | 0.5304% | 3,189 |
| Noninterest expense to average assets | 1.9497% | 5,979 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2520% | 1,341 |
| Return on assets (ROA) | 1.3634% | 1,116 |
| Pretax return on assets | 1.4324% | 1,632 |
| Return on Equity (ROE) | 12.7842% | 1,214 |
| Retained earnings to average equity (ytd only) | 2.5075% | 4,566 |
| Net charge-offs to loans | 0.0186% | 3,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 171.4286% | 291 |
| Efficiency ratio | 59.7180% | 5,438 |
| Assets per employee ($millions) | 5.2188% | 1,989 |
| Cash dividends to net income (ytd only)* | 80.3859% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7387% | 6,212 |
| Loan loss allowance to noncurrent loans | 770.1389% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 5,815 |
| Noncurrent loans to loans | 0.0959% | 5,840 |
| Net loans and leases to total assets | 40.2159% | 5,793 |
| Net loans and leases to deposits | 46.8164% | 5,796 |
| Net loans and leases to core deposits | 47.3865% | 5,909 |
| Total domestic deposits to total assets | 85.9011% | 3,415 |
| Equity capital to assets | 10.7335% | 3,000 |
| Core capital (leverage) ratio | 8.5251% | 5,607 |
| Tier 1 risk-based capital ratio | 13.0635% | 4,971 |
| Total risk-based capital ratio | 13.5463% | 5,380 |
| Memoranda: | ||
| Average total assets | $364,974,000 | 1,799 |
| Average earning assets | $322,671,000 | 1,868 |
| Average equity | $38,923,000 | 1,807 |
| Average total loans | $150,402,000 | 2,577 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6202% | 5,357 |
| Cost of funding earning assets | 0.6790% | 1,968 |
| Net interest margin | 2.9412% | 5,705 |
| Noninterest income to average assets | 0.7950% | 2,103 |
| Noninterest expense to average assets | 2.0876% | 5,856 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2468% | 1,406 |
| Return on assets (ROA) | 1.2655% | 1,400 |
| Pretax return on assets | 1.3134% | 2,096 |
| Return on Equity (ROE) | 11.7195% | 1,511 |
| Retained earnings to average equity (ytd only) | 4.1029% | 3,258 |
| Net charge-offs to loans | -0.0870% | 6,443 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7349% | 5,252 |
| Assets per employee ($millions) | 5.1345% | 2,031 |
| Cash dividends to net income (ytd only)* | 64.9913% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7406% | 6,290 |
| Loan loss allowance to noncurrent loans | 254.2141% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 5,589 |
| Noncurrent loans to loans | 0.2913% | 5,314 |
| Net loans and leases to total assets | 41.6137% | 5,848 |
| Net loans and leases to deposits | 48.5112% | 5,863 |
| Net loans and leases to core deposits | 48.7762% | 5,992 |
| Total domestic deposits to total assets | 85.7816% | 3,370 |
| Equity capital to assets | 10.5936% | 3,054 |
| Core capital (leverage) ratio | 8.2985% | 5,879 |
| Tier 1 risk-based capital ratio | 12.9583% | 5,002 |
| Total risk-based capital ratio | 13.4446% | 5,429 |
| Memoranda: | ||
| Average total assets | $364,769,600 | 1,780 |
| Average earning assets | $320,782,400 | 1,854 |
| Average equity | $39,387,200 | 1,774 |
| Average total loans | $143,630,000 | 2,647 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5882% | 5,474 |
| Cost of funding earning assets | 0.6677% | 2,197 |
| Net interest margin | 2.9206% | 5,764 |
| Noninterest income to average assets | 0.8442% | 1,963 |
| Noninterest expense to average assets | 2.0409% | 5,940 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3110% | 1,323 |
| Return on assets (ROA) | 1.3358% | 1,305 |
| Pretax return on assets | 1.3908% | 1,959 |
| Return on Equity (ROE) | 12.3140% | 1,389 |
| Retained earnings to average equity (ytd only) | 2.2426% | 4,973 |
| Net charge-offs to loans | 0.0188% | 4,752 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 187.3720% | 310 |
| Efficiency ratio | 59.9230% | 5,447 |
| Assets per employee ($millions) | 5.1939% | 1,945 |
| Cash dividends to net income (ytd only)* | 81.7885% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6726% | 6,470 |
| Loan loss allowance to noncurrent loans | 247.7041% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 5,350 |
| Noncurrent loans to loans | 0.2715% | 5,556 |
| Net loans and leases to total assets | 39.4421% | 6,072 |
| Net loans and leases to deposits | 45.8476% | 6,111 |
| Net loans and leases to core deposits | 46.1401% | 6,204 |
| Total domestic deposits to total assets | 86.0288% | 3,237 |
| Equity capital to assets | 10.3943% | 3,395 |
| Core capital (leverage) ratio | 8.2874% | 5,985 |
| Tier 1 risk-based capital ratio | 13.1345% | 5,028 |
| Total risk-based capital ratio | 13.5779% | 5,495 |
| Memoranda: | ||
| Average total assets | $366,108,250 | 1,791 |
| Average earning assets | $321,115,750 | 1,862 |
| Average equity | $39,715,250 | 1,768 |
| Average total loans | $141,867,000 | 2,684 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5689% | 5,530 |
| Cost of funding earning assets | 0.6843% | 2,185 |
| Net interest margin | 2.8846% | 5,822 |
| Noninterest income to average assets | 1.0039% | 1,528 |
| Noninterest expense to average assets | 2.1158% | 5,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3696% | 1,141 |
| Return on assets (ROA) | 1.4067% | 1,151 |
| Pretax return on assets | 1.4585% | 1,748 |
| Return on Equity (ROE) | 12.7909% | 1,290 |
| Retained earnings to average equity (ytd only) | 7.8351% | 1,554 |
| Net charge-offs to loans | -0.0113% | 5,801 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8428% | 5,506 |
| Assets per employee ($millions) | 5.0883% | 2,009 |
| Cash dividends to net income (ytd only)* | 38.7447% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7176% | 6,476 |
| Loan loss allowance to noncurrent loans | 199.8000% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.3804% | 5,345 |
| Noncurrent loans to loans | 0.3591% | 5,379 |
| Net loans and leases to total assets | 38.8066% | 6,125 |
| Net loans and leases to deposits | 45.3532% | 6,147 |
| Net loans and leases to core deposits | 45.6901% | 6,244 |
| Total domestic deposits to total assets | 85.5652% | 3,604 |
| Equity capital to assets | 10.7453% | 3,006 |
| Core capital (leverage) ratio | 8.2505% | 5,956 |
| Tier 1 risk-based capital ratio | 14.2311% | 4,271 |
| Total risk-based capital ratio | 14.7107% | 4,754 |
| Memoranda: | ||
| Average total assets | $366,952,330 | 1,786 |
| Average earning assets | $322,060,330 | 1,857 |
| Average equity | $40,356,670 | 1,743 |
| Average total loans | $141,031,670 | 2,701 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5573% | 5,568 |
| Cost of funding earning assets | 0.6953% | 2,261 |
| Net interest margin | 2.8620% | 5,883 |
| Noninterest income to average assets | 1.2107% | 1,038 |
| Noninterest expense to average assets | 2.1754% | 5,751 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4986% | 858 |
| Return on assets (ROA) | 1.4986% | 938 |
| Pretax return on assets | 1.5470% | 1,434 |
| Return on Equity (ROE) | 13.4787% | 1,059 |
| Retained earnings to average equity (ytd only) | 3.8166% | 3,939 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4416% | 5,793 |
| Assets per employee ($millions) | 5.3362% | 1,823 |
| Cash dividends to net income (ytd only)* | 71.6846% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7089% | 6,582 |
| Loan loss allowance to noncurrent loans | 262.1693% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 5,593 |
| Noncurrent loans to loans | 0.2704% | 5,732 |
| Net loans and leases to total assets | 37.1570% | 6,211 |
| Net loans and leases to deposits | 43.4553% | 6,237 |
| Net loans and leases to core deposits | 43.8726% | 6,318 |
| Total domestic deposits to total assets | 85.5061% | 3,792 |
| Equity capital to assets | 11.0800% | 2,868 |
| Core capital (leverage) ratio | 7.9268% | 6,201 |
| Tier 1 risk-based capital ratio | 13.6010% | 4,796 |
| Total risk-based capital ratio | 14.0752% | 5,302 |
| Memoranda: | ||
| Average total assets | $372,337,500 | 1,772 |
| Average earning assets | $326,764,500 | 1,852 |
| Average equity | $41,398,500 | 1,734 |
| Average total loans | $141,937,000 | 2,696 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 5,491 |
| Cost of funding earning assets | 0.8373% | 2,376 |
| Net interest margin | 3.0923% | 5,834 |
| Noninterest income to average assets | 0.4469% | 4,266 |
| Noninterest expense to average assets | 2.0000% | 6,326 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1169% | 1,882 |
| Return on assets (ROA) | 1.2292% | 1,673 |
| Pretax return on assets | 1.2909% | 2,448 |
| Return on Equity (ROE) | 10.6444% | 1,921 |
| Retained earnings to average equity (ytd only) | 3.3723% | 3,850 |
| Net charge-offs to loans | 0.0860% | 4,820 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 34.0496% | 915 |
| Efficiency ratio | 63.0361% | 5,073 |
| Assets per employee ($millions) | 5.3788% | 1,812 |
| Cash dividends to net income (ytd only)* | 68.3187% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6878% | 6,651 |
| Loan loss allowance to noncurrent loans | 242.2983% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4556% | 5,342 |
| Noncurrent loans to loans | 0.2839% | 5,772 |
| Net loans and leases to total assets | 38.5563% | 6,262 |
| Net loans and leases to deposits | 44.9865% | 6,306 |
| Net loans and leases to core deposits | 45.6210% | 6,392 |
| Total domestic deposits to total assets | 85.7064% | 3,509 |
| Equity capital to assets | 11.1573% | 2,781 |
| Core capital (leverage) ratio | 7.8076% | 6,335 |
| Tier 1 risk-based capital ratio | 13.2947% | 4,901 |
| Total risk-based capital ratio | 13.7653% | 5,420 |
| Memoranda: | ||
| Average total assets | $351,298,400 | 1,843 |
| Average earning assets | $309,667,800 | 1,911 |
| Average equity | $40,566,000 | 1,719 |
| Average total loans | $140,636,800 | 2,707 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 5,520 |
| Cost of funding earning assets | 0.8438% | 2,597 |
| Net interest margin | 3.1550% | 5,813 |
| Noninterest income to average assets | 0.4547% | 4,250 |
| Noninterest expense to average assets | 1.9734% | 6,393 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2073% | 1,708 |
| Return on assets (ROA) | 1.2954% | 1,596 |
| Pretax return on assets | 1.3636% | 2,361 |
| Return on Equity (ROE) | 11.1176% | 1,914 |
| Retained earnings to average equity (ytd only) | 3.8490% | 4,184 |
| Net charge-offs to loans | 0.1126% | 4,259 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 27.9744% | 1,162 |
| Efficiency ratio | 60.8283% | 5,346 |
| Assets per employee ($millions) | 5.2140% | 1,919 |
| Cash dividends to net income (ytd only)* | 65.3790% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7034% | 6,746 |
| Loan loss allowance to noncurrent loans | 189.3333% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.5042% | 5,412 |
| Noncurrent loans to loans | 0.3715% | 5,735 |
| Net loans and leases to total assets | 39.0051% | 6,349 |
| Net loans and leases to deposits | 45.7109% | 6,405 |
| Net loans and leases to core deposits | 46.4072% | 6,494 |
| Total domestic deposits to total assets | 85.3300% | 3,601 |
| Equity capital to assets | 11.6964% | 2,537 |
| Core capital (leverage) ratio | 8.0857% | 6,243 |
| Tier 1 risk-based capital ratio | 13.7899% | 4,691 |
| Total risk-based capital ratio | 14.2835% | 5,172 |
| Memoranda: | ||
| Average total assets | $346,338,500 | 1,893 |
| Average earning assets | $306,214,500 | 1,948 |
| Average equity | $40,355,250 | 1,744 |
| Average total loans | $139,774,000 | 2,753 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0772% | 5,397 |
| Cost of funding earning assets | 0.8639% | 2,695 |
| Net interest margin | 3.2133% | 5,694 |
| Noninterest income to average assets | 0.4745% | 4,100 |
| Noninterest expense to average assets | 2.0657% | 6,304 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1864% | 1,761 |
| Return on assets (ROA) | 1.1970% | 1,927 |
| Pretax return on assets | 1.2596% | 2,693 |
| Return on Equity (ROE) | 10.2865% | 2,246 |
| Retained earnings to average equity (ytd only) | 1.7396% | 5,323 |
| Net charge-offs to loans | 0.0919% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 33.3438% | 1,000 |
| Efficiency ratio | 62.3301% | 5,197 |
| Assets per employee ($millions) | 4.9159% | 2,275 |
| Cash dividends to net income (ytd only)* | 83.0890% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 6,752 |
| Loan loss allowance to noncurrent loans | 187.4776% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 5,422 |
| Noncurrent loans to loans | 0.4027% | 5,729 |
| Net loans and leases to total assets | 40.0309% | 6,335 |
| Net loans and leases to deposits | 46.9550% | 6,376 |
| Net loans and leases to core deposits | 47.6886% | 6,481 |
| Total domestic deposits to total assets | 85.2536% | 3,738 |
| Equity capital to assets | 11.8482% | 2,271 |
| Core capital (leverage) ratio | 7.9291% | 6,338 |
| Tier 1 risk-based capital ratio | 13.8776% | 4,537 |
| Total risk-based capital ratio | 14.4179% | 5,041 |
| Memoranda: | ||
| Average total assets | $341,862,000 | 1,907 |
| Average earning assets | $302,116,000 | 1,968 |
| Average equity | $39,780,330 | 1,752 |
| Average total loans | $139,258,000 | 2,771 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1024% | 5,448 |
| Cost of funding earning assets | 0.8837% | 2,810 |
| Net interest margin | 3.2188% | 5,737 |
| Noninterest income to average assets | 0.5482% | 3,575 |
| Noninterest expense to average assets | 2.0673% | 6,344 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2490% | 1,603 |
| Return on assets (ROA) | 1.2702% | 1,707 |
| Pretax return on assets | 1.3383% | 2,395 |
| Return on Equity (ROE) | 11.0169% | 2,010 |
| Retained earnings to average equity (ytd only) | 3.8895% | 4,257 |
| Net charge-offs to loans | 0.2524% | 2,661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 12.7386% | 1,579 |
| Efficiency ratio | 61.1034% | 5,438 |
| Assets per employee ($millions) | 4.9168% | 2,361 |
| Cash dividends to net income (ytd only)* | 64.6950% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7488% | 6,820 |
| Loan loss allowance to noncurrent loans | 200.7843% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 5,556 |
| Noncurrent loans to loans | 0.3729% | 5,925 |
| Net loans and leases to total assets | 39.4367% | 6,392 |
| Net loans and leases to deposits | 46.0336% | 6,429 |
| Net loans and leases to core deposits | 46.6985% | 6,523 |
| Total domestic deposits to total assets | 85.6693% | 3,705 |
| Equity capital to assets | 11.6277% | 2,324 |
| Core capital (leverage) ratio | 8.2421% | 5,963 |
| Tier 1 risk-based capital ratio | 14.4827% | 4,120 |
| Total risk-based capital ratio | 15.0335% | 4,604 |
| Memoranda: | ||
| Average total assets | $340,737,000 | 1,926 |
| Average earning assets | $300,116,000 | 1,981 |
| Average equity | $39,285,000 | 1,765 |
| Average total loans | $139,487,500 | 2,791 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3894% | 5,467 |
| Cost of funding earning assets | 1.0248% | 3,201 |
| Net interest margin | 3.3646% | 5,600 |
| Noninterest income to average assets | 0.5276% | 3,664 |
| Noninterest expense to average assets | 2.3426% | 5,931 |
| Loan and lease loss provision to assets | 0.0890% | 5,471 |
| Net operating income to assets | 1.0432% | 2,030 |
| Return on assets (ROA) | 1.0986% | 1,956 |
| Pretax return on assets | 1.1504% | 2,646 |
| Return on Equity (ROE) | 9.4329% | 2,271 |
| Retained earnings to average equity (ytd only) | -1.7685% | 6,125 |
| Net charge-offs to loans | 0.4681% | 3,117 |
| Credit loss provision to net charge-offs | 42.3977% | 5,585 |
| Earnings coverage of net charge-offs (x) | 5.6257% | 2,731 |
| Efficiency ratio | 66.4808% | 4,666 |
| Assets per employee ($millions) | 4.8185% | 2,428 |
| Cash dividends to net income (ytd only)* | 118.7483% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7819% | 6,778 |
| Loan loss allowance to noncurrent loans | 94.9616% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.5823% | 5,514 |
| Noncurrent loans to loans | 0.8234% | 5,041 |
| Net loans and leases to total assets | 41.8346% | 6,398 |
| Net loans and leases to deposits | 50.4125% | 6,330 |
| Net loans and leases to core deposits | 51.3583% | 6,460 |
| Total domestic deposits to total assets | 82.9847% | 4,752 |
| Equity capital to assets | 11.4291% | 2,567 |
| Core capital (leverage) ratio | 8.1258% | 6,107 |
| Tier 1 risk-based capital ratio | 13.9872% | 4,335 |
| Total risk-based capital ratio | 14.5738% | 4,802 |
| Memoranda: | ||
| Average total assets | $325,791,800 | 1,977 |
| Average earning assets | $290,109,000 | 2,022 |
| Average equity | $37,941,600 | 1,778 |
| Average total loans | $146,114,800 | 2,697 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4563% | 5,405 |
| Cost of funding earning assets | 1.0382% | 3,405 |
| Net interest margin | 3.4181% | 5,515 |
| Noninterest income to average assets | 0.5339% | 3,625 |
| Noninterest expense to average assets | 2.3320% | 5,953 |
| Loan and lease loss provision to assets | 0.0900% | 5,331 |
| Net operating income to assets | 1.1073% | 1,940 |
| Return on assets (ROA) | 1.1520% | 1,923 |
| Pretax return on assets | 1.2106% | 2,596 |
| Return on Equity (ROE) | 9.8438% | 2,253 |
| Retained earnings to average equity (ytd only) | -1.6230% | 6,252 |
| Net charge-offs to loans | 0.0344% | 5,667 |
| Credit loss provision to net charge-offs | 573.6842% | 477 |
| Earnings coverage of net charge-offs (x) | 79.8875% | 443 |
| Efficiency ratio | 65.0392% | 4,890 |
| Assets per employee ($millions) | 4.8116% | 2,456 |
| Cash dividends to net income (ytd only)* | 116.4875% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 5,537 |
| Loan loss allowance to noncurrent loans | 68.1763% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 0.8885% | 4,961 |
| Noncurrent loans to loans | 1.7347% | 3,717 |
| Net loans and leases to total assets | 43.0557% | 6,427 |
| Net loans and leases to deposits | 50.7161% | 6,463 |
| Net loans and leases to core deposits | 51.5750% | 6,591 |
| Total domestic deposits to total assets | 84.8956% | 3,817 |
| Equity capital to assets | 12.0746% | 2,195 |
| Core capital (leverage) ratio | 8.5319% | 5,662 |
| Tier 1 risk-based capital ratio | 14.3641% | 4,081 |
| Total risk-based capital ratio | 15.2713% | 4,310 |
| Memoranda: | ||
| Average total assets | $322,915,500 | 1,998 |
| Average earning assets | $288,304,000 | 2,039 |
| Average equity | $37,789,500 | 1,788 |
| Average total loans | $147,088,750 | 2,703 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7437% | 4,334 |
| Cost of funding earning assets | 1.2206% | 2,436 |
| Net interest margin | 3.5231% | 5,058 |
| Noninterest income to average assets | 0.4847% | 3,980 |
| Noninterest expense to average assets | 1.9987% | 6,798 |
| Loan and lease loss provision to assets | 0.1378% | 4,579 |
| Net operating income to assets | 1.5070% | 876 |
| Return on assets (ROA) | 1.5070% | 935 |
| Pretax return on assets | 1.5840% | 1,289 |
| Return on Equity (ROE) | 15.1507% | 778 |
| Retained earnings to average equity (ytd only) | 10.5316% | 742 |
| Net charge-offs to loans | 0.0647% | 4,992 |
| Credit loss provision to net charge-offs | 375.0000% | 805 |
| Earnings coverage of net charge-offs (x) | 46.8438% | 659 |
| Efficiency ratio | 53.7203% | 6,645 |
| Assets per employee ($millions) | 5.3129% | 1,745 |
| Cash dividends to net income (ytd only)* | 30.4878% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6394% | 3,533 |
| Loan loss allowance to noncurrent loans | 75.2952% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.2867% | 4,325 |
| Noncurrent loans to loans | 2.1773% | 3,248 |
| Net loans and leases to total assets | 54.5481% | 5,217 |
| Net loans and leases to deposits | 63.7249% | 5,314 |
| Net loans and leases to core deposits | 64.4220% | 5,683 |
| Total domestic deposits to total assets | 85.5994% | 3,563 |
| Equity capital to assets | 10.5455% | 3,451 |
| Core capital (leverage) ratio | 8.8092% | 5,030 |
| Tier 1 risk-based capital ratio | 13.2520% | 4,727 |
| Total risk-based capital ratio | 14.5038% | 4,702 |
| Memoranda: | ||
| Average total assets | $174,116,330 | 3,465 |
| Average earning assets | $159,916,330 | 3,446 |
| Average equity | $17,319,330 | 3,522 |
| Average total loans | $98,922,330 | 3,713 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7645% | 4,230 |
| Cost of funding earning assets | 1.2298% | 2,634 |
| Net interest margin | 3.5347% | 4,872 |
| Noninterest income to average assets | 0.4611% | 4,177 |
| Noninterest expense to average assets | 2.0195% | 6,799 |
| Loan and lease loss provision to assets | 0.1383% | 4,279 |
| Net operating income to assets | 1.4938% | 884 |
| Return on assets (ROA) | 1.4938% | 929 |
| Pretax return on assets | 1.5699% | 1,254 |
| Return on Equity (ROE) | 15.4890% | 740 |
| Retained earnings to average equity (ytd only) | 5.9279% | 2,682 |
| Net charge-offs to loans | 0.0401% | 4,552 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 74.1000% | 416 |
| Efficiency ratio | 54.1744% | 6,679 |
| Assets per employee ($millions) | 4.8219% | 2,391 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5828% | 3,805 |
| Loan loss allowance to noncurrent loans | 65.9602% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.4016% | 4,180 |
| Noncurrent loans to loans | 2.3996% | 3,089 |
| Net loans and leases to total assets | 55.7369% | 5,041 |
| Net loans and leases to deposits | 64.3114% | 5,215 |
| Net loans and leases to core deposits | 65.0093% | 5,623 |
| Total domestic deposits to total assets | 86.6672% | 3,139 |
| Equity capital to assets | 9.7553% | 4,101 |
| Core capital (leverage) ratio | 8.5339% | 5,384 |
| Tier 1 risk-based capital ratio | 12.6287% | 5,137 |
| Total risk-based capital ratio | 13.8790% | 5,116 |
| Memoranda: | ||
| Average total assets | $173,511,500 | 3,495 |
| Average earning assets | $160,351,500 | 3,456 |
| Average equity | $16,734,500 | 3,605 |
| Average total loans | $99,768,000 | 3,729 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 5,175 |
| Cost of funding earning assets | 1.4161% | 3,157 |
| Net interest margin | 3.4480% | 5,442 |
| Noninterest income to average assets | 0.5299% | 3,955 |
| Noninterest expense to average assets | 2.1942% | 6,627 |
| Loan and lease loss provision to assets | 1.0726% | 1,499 |
| Net operating income to assets | 0.4223% | 4,450 |
| Return on assets (ROA) | 0.4827% | 4,338 |
| Pretax return on assets | 0.5060% | 4,603 |
| Return on Equity (ROE) | 4.8609% | 4,131 |
| Retained earnings to average equity (ytd only) | -1.8903% | 5,955 |
| Net charge-offs to loans | 1.9440% | 1,053 |
| Credit loss provision to net charge-offs | 92.8355% | 4,997 |
| Earnings coverage of net charge-offs (x) | 1.3113% | 4,792 |
| Efficiency ratio | 59.1545% | 6,168 |
| Assets per employee ($millions) | 4.6875% | 2,576 |
| Cash dividends to net income (ytd only)* | 138.8889% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4877% | 4,076 |
| Loan loss allowance to noncurrent loans | 61.3442% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.4582% | 4,142 |
| Noncurrent loans to loans | 2.4252% | 3,090 |
| Net loans and leases to total assets | 57.4979% | 5,113 |
| Net loans and leases to deposits | 67.6829% | 5,145 |
| Net loans and leases to core deposits | 68.6290% | 5,595 |
| Total domestic deposits to total assets | 84.9518% | 3,876 |
| Equity capital to assets | 9.5338% | 4,362 |
| Core capital (leverage) ratio | 8.2264% | 5,792 |
| Tier 1 risk-based capital ratio | 12.0258% | 5,445 |
| Total risk-based capital ratio | 13.2762% | 5,432 |
| Memoranda: | ||
| Average total assets | $171,544,800 | 3,506 |
| Average earning assets | $158,178,800 | 3,481 |
| Average equity | $17,034,000 | 3,586 |
| Average total loans | $101,953,400 | 3,741 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9113% | 5,214 |
| Cost of funding earning assets | 1.4368% | 3,355 |
| Net interest margin | 3.4745% | 5,396 |
| Noninterest income to average assets | 0.5159% | 4,059 |
| Noninterest expense to average assets | 2.2111% | 6,574 |
| Loan and lease loss provision to assets | 1.3873% | 973 |
| Net operating income to assets | 0.1177% | 5,728 |
| Return on assets (ROA) | 0.2026% | 5,660 |
| Pretax return on assets | 0.2026% | 5,728 |
| Return on Equity (ROE) | 2.0203% | 5,598 |
| Retained earnings to average equity (ytd only) | 2.0203% | 4,947 |
| Net charge-offs to loans | 2.5743% | 646 |
| Credit loss provision to net charge-offs | 90.2637% | 4,750 |
| Earnings coverage of net charge-offs (x) | 0.9792% | 5,078 |
| Efficiency ratio | 59.5008% | 6,030 |
| Assets per employee ($millions) | 4.6342% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 4,277 |
| Loan loss allowance to noncurrent loans | 59.0430% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.5332% | 4,150 |
| Noncurrent loans to loans | 2.4342% | 3,196 |
| Net loans and leases to total assets | 58.2343% | 5,229 |
| Net loans and leases to deposits | 67.8504% | 5,441 |
| Net loans and leases to core deposits | 68.9633% | 5,845 |
| Total domestic deposits to total assets | 85.8275% | 3,168 |
| Equity capital to assets | 10.5105% | 3,501 |
| Core capital (leverage) ratio | 8.8391% | 4,939 |
| Tier 1 risk-based capital ratio | 12.7743% | 4,753 |
| Total risk-based capital ratio | 14.0135% | 4,740 |
| Memoranda: | ||
| Average total assets | $171,072,000 | 3,558 |
| Average earning assets | $157,564,750 | 3,542 |
| Average equity | $17,158,750 | 3,612 |
| Average total loans | $102,134,750 | 3,796 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9163% | 5,318 |
| Cost of funding earning assets | 1.4994% | 3,262 |
| Net interest margin | 3.4169% | 5,571 |
| Noninterest income to average assets | 0.5054% | 4,072 |
| Noninterest expense to average assets | 2.2698% | 6,439 |
| Loan and lease loss provision to assets | 2.0124% | 610 |
| Net operating income to assets | -0.5985% | 6,739 |
| Return on assets (ROA) | -0.4774% | 6,667 |
| Pretax return on assets | -0.5031% | 6,591 |
| Return on Equity (ROE) | -4.8367% | 6,685 |
| Retained earnings to average equity (ytd only) | -4.8367% | 6,537 |
| Net charge-offs to loans | 3.8531% | 346 |
| Credit loss provision to net charge-offs | 87.1769% | 4,515 |
| Earnings coverage of net charge-offs (x) | 0.5986% | 5,138 |
| Efficiency ratio | 62.1596% | 5,663 |
| Assets per employee ($millions) | 4.5927% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 4,503 |
| Loan loss allowance to noncurrent loans | 59.1603% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 1.4406% | 4,306 |
| Noncurrent loans to loans | 2.3400% | 3,324 |
| Net loans and leases to total assets | 58.4788% | 5,337 |
| Net loans and leases to deposits | 66.9900% | 5,683 |
| Net loans and leases to core deposits | 68.7004% | 5,999 |
| Total domestic deposits to total assets | 87.2948% | 2,385 |
| Equity capital to assets | 9.8688% | 4,174 |
| Core capital (leverage) ratio | 8.4508% | 5,493 |
| Tier 1 risk-based capital ratio | 12.5247% | 4,837 |
| Total risk-based capital ratio | 13.7430% | 4,845 |
| Memoranda: | ||
| Average total assets | $170,940,670 | 3,588 |
| Average earning assets | $157,393,670 | 3,563 |
| Average equity | $16,871,000 | 3,656 |
| Average total loans | $102,410,330 | 3,820 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8556% | 5,664 |
| Cost of funding earning assets | 1.5240% | 3,407 |
| Net interest margin | 3.3316% | 5,853 |
| Noninterest income to average assets | 0.4830% | 4,182 |
| Noninterest expense to average assets | 2.3914% | 6,121 |
| Loan and lease loss provision to assets | 0.6066% | 2,098 |
| Net operating income to assets | 0.5192% | 4,295 |
| Return on assets (ROA) | 0.6486% | 3,790 |
| Pretax return on assets | 0.6929% | 4,260 |
| Return on Equity (ROE) | 6.5715% | 3,584 |
| Retained earnings to average equity (ytd only) | 6.5715% | 2,332 |
| Net charge-offs to loans | 0.6897% | 2,111 |
| Credit loss provision to net charge-offs | 146.0674% | 2,433 |
| Earnings coverage of net charge-offs (x) | 2.7978% | 3,146 |
| Efficiency ratio | 67.3014% | 4,850 |
| Assets per employee ($millions) | 4.6244% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6793% | 3,141 |
| Loan loss allowance to noncurrent loans | 39.0607% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 2.6411% | 2,757 |
| Noncurrent loans to loans | 4.2992% | 1,771 |
| Net loans and leases to total assets | 59.1967% | 5,257 |
| Net loans and leases to deposits | 68.0219% | 5,584 |
| Net loans and leases to core deposits | 69.3777% | 5,964 |
| Total domestic deposits to total assets | 87.0260% | 2,619 |
| Equity capital to assets | 10.0191% | 3,847 |
| Core capital (leverage) ratio | 8.7877% | 4,874 |
| Tier 1 risk-based capital ratio | 13.0129% | 4,323 |
| Total risk-based capital ratio | 14.2668% | 4,296 |
| Memoranda: | ||
| Average total assets | $171,446,000 | 3,634 |
| Average earning assets | $158,004,000 | 3,610 |
| Average equity | $16,921,500 | 3,671 |
| Average total loans | $103,231,500 | 3,849 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1703% | 5,784 |
| Cost of funding earning assets | 1.9264% | 3,325 |
| Net interest margin | 3.2439% | 5,947 |
| Noninterest income to average assets | 0.5177% | 4,279 |
| Noninterest expense to average assets | 2.3416% | 6,625 |
| Loan and lease loss provision to assets | 0.2190% | 5,611 |
| Net operating income to assets | 0.8936% | 2,200 |
| Return on assets (ROA) | 1.0883% | 1,588 |
| Pretax return on assets | 1.1401% | 2,124 |
| Return on Equity (ROE) | 10.7700% | 1,482 |
| Retained earnings to average equity (ytd only) | 0.2348% | 4,772 |
| Net charge-offs to loans | 0.2338% | 5,159 |
| Credit loss provision to net charge-offs | 146.3415% | 3,240 |
| Earnings coverage of net charge-offs (x) | 7.7114% | 2,090 |
| Efficiency ratio | 66.9857% | 5,189 |
| Assets per employee ($millions) | 4.6429% | 2,697 |
| Cash dividends to net income (ytd only)* | 97.8200% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5931% | 3,306 |
| Loan loss allowance to noncurrent loans | 28.7659% | 6,557 |
| Noncurrent assets plus other real estate owned to assets | 3.4665% | 1,940 |
| Noncurrent loans to loans | 5.5382% | 1,160 |
| Net loans and leases to total assets | 59.2573% | 5,456 |
| Net loans and leases to deposits | 68.3357% | 5,787 |
| Net loans and leases to core deposits | 73.3017% | 6,575 |
| Total domestic deposits to total assets | 86.7150% | 2,645 |
| Equity capital to assets | 9.7213% | 4,118 |
| Core capital (leverage) ratio | 8.6885% | 4,938 |
| Tier 1 risk-based capital ratio | 12.3463% | 4,641 |
| Total risk-based capital ratio | 13.5977% | 4,603 |
| Memoranda: | ||
| Average total assets | $164,377,600 | 3,694 |
| Average earning assets | $150,900,800 | 3,697 |
| Average equity | $16,611,000 | 3,755 |
| Average total loans | $105,209,600 | 3,798 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2618% | 5,626 |
| Cost of funding earning assets | 2.0150% | 3,276 |
| Net interest margin | 3.2468% | 5,852 |
| Noninterest income to average assets | 0.5439% | 4,128 |
| Noninterest expense to average assets | 2.3996% | 6,421 |
| Loan and lease loss provision to assets | 0.2461% | 4,988 |
| Net operating income to assets | 0.8384% | 2,662 |
| Return on assets (ROA) | 0.8778% | 2,585 |
| Pretax return on assets | 0.9188% | 3,170 |
| Return on Equity (ROE) | 8.6000% | 2,410 |
| Retained earnings to average equity (ytd only) | 2.5720% | 3,879 |
| Net charge-offs to loans | 0.3205% | 4,035 |
| Credit loss provision to net charge-offs | 118.1102% | 4,302 |
| Earnings coverage of net charge-offs (x) | 5.3937% | 2,834 |
| Efficiency ratio | 68.1024% | 4,955 |
| Assets per employee ($millions) | 4.5726% | 2,746 |
| Cash dividends to net income (ytd only)* | 70.0939% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 3,277 |
| Loan loss allowance to noncurrent loans | 25.3897% | 6,761 |
| Noncurrent assets plus other real estate owned to assets | 3.7669% | 1,720 |
| Noncurrent loans to loans | 6.0281% | 975 |
| Net loans and leases to total assets | 60.0839% | 5,571 |
| Net loans and leases to deposits | 69.6702% | 5,956 |
| Net loans and leases to core deposits | 74.4176% | 6,704 |
| Total domestic deposits to total assets | 86.2405% | 2,569 |
| Equity capital to assets | 10.3934% | 3,623 |
| Core capital (leverage) ratio | 9.1707% | 4,378 |
| Tier 1 risk-based capital ratio | 13.1565% | 4,079 |
| Total risk-based capital ratio | 14.4083% | 4,016 |
| Memoranda: | ||
| Average total assets | $162,525,000 | 3,752 |
| Average earning assets | $149,146,250 | 3,738 |
| Average equity | $16,588,750 | 3,787 |
| Average total loans | $105,650,750 | 3,831 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3808% | 5,239 |
| Cost of funding earning assets | 2.1237% | 3,168 |
| Net interest margin | 3.2571% | 5,710 |
| Noninterest income to average assets | 0.5539% | 4,007 |
| Noninterest expense to average assets | 2.4566% | 6,277 |
| Loan and lease loss provision to assets | 0.1497% | 5,575 |
| Net operating income to assets | 0.8814% | 2,530 |
| Return on assets (ROA) | 0.9407% | 2,403 |
| Pretax return on assets | 0.9931% | 3,041 |
| Return on Equity (ROE) | 9.2760% | 2,265 |
| Retained earnings to average equity (ytd only) | 0.0492% | 5,184 |
| Net charge-offs to loans | 0.0564% | 5,704 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 28.8667% | 1,024 |
| Efficiency ratio | 69.4533% | 4,889 |
| Assets per employee ($millions) | 4.3493% | 3,022 |
| Cash dividends to net income (ytd only)* | 99.4695% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 2,968 |
| Loan loss allowance to noncurrent loans | 43.3298% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 2.4223% | 2,673 |
| Noncurrent loans to loans | 3.5673% | 1,963 |
| Net loans and leases to total assets | 64.2792% | 4,926 |
| Net loans and leases to deposits | 74.5777% | 5,365 |
| Net loans and leases to core deposits | 80.4855% | 6,364 |
| Total domestic deposits to total assets | 86.1909% | 2,684 |
| Equity capital to assets | 10.2148% | 3,703 |
| Core capital (leverage) ratio | 9.0865% | 4,489 |
| Tier 1 risk-based capital ratio | 13.0853% | 4,079 |
| Total risk-based capital ratio | 14.3374% | 3,995 |
| Memoranda: | ||
| Average total assets | $160,305,000 | 3,821 |
| Average earning assets | $146,817,670 | 3,801 |
| Average equity | $16,257,000 | 3,872 |
| Average total loans | $106,456,670 | 3,843 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4036% | 5,408 |
| Cost of funding earning assets | 2.1351% | 3,495 |
| Net interest margin | 3.2685% | 5,622 |
| Noninterest income to average assets | 0.5525% | 3,899 |
| Noninterest expense to average assets | 2.4676% | 5,967 |
| Loan and lease loss provision to assets | 0.1500% | 5,009 |
| Net operating income to assets | 0.8688% | 2,846 |
| Return on assets (ROA) | 0.9875% | 2,500 |
| Pretax return on assets | 1.0375% | 3,215 |
| Return on Equity (ROE) | 9.7733% | 2,418 |
| Retained earnings to average equity (ytd only) | 9.7733% | 1,260 |
| Net charge-offs to loans | -0.0485% | 7,687 |
| Credit loss provision to net charge-offs | -461.5385% | 6,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9008% | 4,600 |
| Assets per employee ($millions) | 4.4048% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 3,102 |
| Loan loss allowance to noncurrent loans | 30.9038% | 6,484 |
| Noncurrent assets plus other real estate owned to assets | 3.2827% | 1,678 |
| Noncurrent loans to loans | 4.7811% | 1,159 |
| Net loans and leases to total assets | 65.7479% | 4,644 |
| Net loans and leases to deposits | 76.2694% | 5,184 |
| Net loans and leases to core deposits | 82.7789% | 6,161 |
| Total domestic deposits to total assets | 86.2048% | 2,611 |
| Equity capital to assets | 10.2205% | 3,748 |
| Core capital (leverage) ratio | 9.6631% | 3,801 |
| Tier 1 risk-based capital ratio | 13.0018% | 4,177 |
| Total risk-based capital ratio | 14.2534% | 4,104 |
| Memoranda: | ||
| Average total assets | $159,996,000 | 3,839 |
| Average earning assets | $145,755,000 | 3,832 |
| Average equity | $16,166,500 | 3,909 |
| Average total loans | $107,153,000 | 3,857 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8993% | 6,039 |
| Cost of funding earning assets | 2.5254% | 4,069 |
| Net interest margin | 3.3739% | 5,771 |
| Noninterest income to average assets | 0.5944% | 3,876 |
| Noninterest expense to average assets | 2.1967% | 6,973 |
| Loan and lease loss provision to assets | 0.6741% | 2,158 |
| Net operating income to assets | 0.7579% | 3,624 |
| Return on assets (ROA) | 0.8219% | 3,181 |
| Pretax return on assets | 0.8634% | 3,839 |
| Return on Equity (ROE) | 7.7183% | 3,191 |
| Retained earnings to average equity (ytd only) | 1.6313% | 4,232 |
| Net charge-offs to loans | 0.8290% | 1,511 |
| Credit loss provision to net charge-offs | 120.9302% | 4,438 |
| Earnings coverage of net charge-offs (x) | 2.6372% | 4,772 |
| Efficiency ratio | 59.9081% | 6,360 |
| Assets per employee ($millions) | 4.2436% | 3,045 |
| Cash dividends to net income (ytd only)* | 78.8644% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4534% | 2,902 |
| Loan loss allowance to noncurrent loans | 30.8218% | 6,668 |
| Noncurrent assets plus other real estate owned to assets | 3.2653% | 1,390 |
| Noncurrent loans to loans | 4.7155% | 983 |
| Net loans and leases to total assets | 66.2427% | 4,797 |
| Net loans and leases to deposits | 76.5130% | 5,531 |
| Net loans and leases to core deposits | 82.8945% | 6,387 |
| Total domestic deposits to total assets | 86.5771% | 2,150 |
| Equity capital to assets | 9.9838% | 4,056 |
| Core capital (leverage) ratio | 9.5475% | 3,952 |
| Tier 1 risk-based capital ratio | 12.6188% | 4,355 |
| Total risk-based capital ratio | 13.8695% | 4,265 |
| Memoranda: | ||
| Average total assets | $154,276,000 | 3,815 |
| Average earning assets | $140,492,000 | 3,837 |
| Average equity | $16,428,400 | 3,842 |
| Average total loans | $103,739,000 | 3,855 |