Home > Steuben Trust Company > Performance and Condition Ratios
Steuben Trust Company, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1107% | 3,497 |
| Cost of funding earning assets | 0.4327% | 4,227 |
| Net interest margin | 3.6780% | 2,404 |
| Noninterest income to average assets | 0.6829% | 1,717 |
| Noninterest expense to average assets | 2.7281% | 2,635 |
| Loan and lease loss provision to assets | -0.0134% | 5,049 |
| Net operating income to assets | 1.1620% | 1,652 |
| Return on assets (ROA) | 1.1620% | 1,763 |
| Pretax return on assets | 1.4267% | 1,488 |
| Return on Equity (ROE) | 9.4142% | 1,948 |
| Retained earnings to average equity (ytd only) | 5.9684% | 1,887 |
| Net charge-offs to loans | 0.0193% | 1,978 |
| Credit loss provision to net charge-offs | -118.7500% | 3,199 |
| Earnings coverage of net charge-offs (x) | 124.8125% | 497 |
| Efficiency ratio | 65.8749% | 2,987 |
| Assets per employee ($millions) | 4.8792% | 2,777 |
| Cash dividends to net income (ytd only)* | 36.6017% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 2,223 |
| Loan loss allowance to noncurrent loans | 454.6943% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 2,341 |
| Noncurrent loans to loans | 0.2822% | 3,481 |
| Net loans and leases to total assets | 56.1231% | 3,830 |
| Net loans and leases to deposits | 65.9987% | 3,864 |
| Net loans and leases to core deposits | 75.3128% | 3,546 |
| Total domestic deposits to total assets | 85.0367% | 2,397 |
| Equity capital to assets | 12.3804% | 1,806 |
| Core capital (leverage) ratio | 12.4022% | 1,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $565,229,500 | 1,322 |
| Average earning assets | $531,485,500 | 1,310 |
| Average equity | $69,767,000 | 1,261 |
| Average total loans | $331,442,000 | 1,519 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3309% | 3,456 |
| Cost of funding earning assets | 0.5586% | 3,831 |
| Net interest margin | 3.7724% | 2,595 |
| Noninterest income to average assets | 0.7321% | 1,698 |
| Noninterest expense to average assets | 2.6926% | 2,901 |
| Loan and lease loss provision to assets | 0.0318% | 3,378 |
| Net operating income to assets | 1.2714% | 1,797 |
| Return on assets (ROA) | 1.2714% | 1,880 |
| Pretax return on assets | 1.5574% | 1,624 |
| Return on Equity (ROE) | 11.1861% | 1,815 |
| Retained earnings to average equity (ytd only) | 7.5641% | 1,136 |
| Net charge-offs to loans | 0.0500% | 2,397 |
| Credit loss provision to net charge-offs | 105.8480% | 2,345 |
| Earnings coverage of net charge-offs (x) | 52.8713% | 1,079 |
| Efficiency ratio | 62.8844% | 3,232 |
| Assets per employee ($millions) | 4.5129% | 3,200 |
| Cash dividends to net income (ytd only)* | 32.3794% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 2,223 |
| Loan loss allowance to noncurrent loans | 498.2206% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.5497% | 2,244 |
| Noncurrent loans to loans | 0.2492% | 3,555 |
| Net loans and leases to total assets | 59.7097% | 3,613 |
| Net loans and leases to deposits | 72.4844% | 3,478 |
| Net loans and leases to core deposits | 87.0964% | 2,699 |
| Total domestic deposits to total assets | 82.3759% | 3,405 |
| Equity capital to assets | 12.3051% | 1,950 |
| Core capital (leverage) ratio | 12.1565% | 1,678 |
| Tier 1 risk-based capital ratio | 18.6719% | 1,595 |
| Total risk-based capital ratio | 19.8147% | 1,590 |
| Memoranda: | ||
| Average total assets | $568,888,400 | 1,272 |
| Average earning assets | $535,311,200 | 1,259 |
| Average equity | $64,660,800 | 1,300 |
| Average total loans | $342,032,400 | 1,455 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3258% | 3,577 |
| Cost of funding earning assets | 0.5731% | 3,806 |
| Net interest margin | 3.7526% | 2,741 |
| Noninterest income to average assets | 0.7098% | 1,740 |
| Noninterest expense to average assets | 2.6619% | 2,973 |
| Loan and lease loss provision to assets | 0.0397% | 3,111 |
| Net operating income to assets | 1.2394% | 2,056 |
| Return on assets (ROA) | 1.2394% | 2,137 |
| Pretax return on assets | 1.5417% | 1,836 |
| Return on Equity (ROE) | 11.1298% | 1,966 |
| Retained earnings to average equity (ytd only) | 7.4765% | 1,635 |
| Net charge-offs to loans | 0.0622% | 1,932 |
| Credit loss provision to net charge-offs | 106.2500% | 2,149 |
| Earnings coverage of net charge-offs (x) | 42.3434% | 1,316 |
| Efficiency ratio | 62.7317% | 3,211 |
| Assets per employee ($millions) | 4.5713% | 3,094 |
| Cash dividends to net income (ytd only)* | 32.8248% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 2,313 |
| Loan loss allowance to noncurrent loans | 263.9849% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6639% | 2,027 |
| Noncurrent loans to loans | 0.4677% | 2,898 |
| Net loans and leases to total assets | 58.3322% | 3,843 |
| Net loans and leases to deposits | 69.4525% | 3,805 |
| Net loans and leases to core deposits | 83.7041% | 3,120 |
| Total domestic deposits to total assets | 83.9886% | 2,832 |
| Equity capital to assets | 11.6316% | 2,573 |
| Core capital (leverage) ratio | 11.8341% | 1,972 |
| Tier 1 risk-based capital ratio | 18.1099% | 1,785 |
| Total risk-based capital ratio | 19.2402% | 1,771 |
| Memoranda: | ||
| Average total assets | $571,211,500 | 1,276 |
| Average earning assets | $537,848,500 | 1,261 |
| Average equity | $63,611,250 | 1,318 |
| Average total loans | $342,957,250 | 1,461 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 3,532 |
| Cost of funding earning assets | 0.5630% | 3,824 |
| Net interest margin | 3.7713% | 2,690 |
| Noninterest income to average assets | 0.6917% | 1,747 |
| Noninterest expense to average assets | 2.6842% | 2,957 |
| Loan and lease loss provision to assets | 0.0555% | 2,717 |
| Net operating income to assets | 1.2155% | 2,091 |
| Return on assets (ROA) | 1.2155% | 2,150 |
| Pretax return on assets | 1.5059% | 1,841 |
| Return on Equity (ROE) | 11.0814% | 1,948 |
| Retained earnings to average equity (ytd only) | 7.3940% | 1,652 |
| Net charge-offs to loans | 0.0861% | 1,504 |
| Credit loss provision to net charge-offs | 106.7568% | 1,875 |
| Earnings coverage of net charge-offs (x) | 30.0473% | 1,455 |
| Efficiency ratio | 63.2236% | 3,252 |
| Assets per employee ($millions) | 4.8070% | 2,731 |
| Cash dividends to net income (ytd only)* | 33.2756% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 2,464 |
| Loan loss allowance to noncurrent loans | 378.0378% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 2,227 |
| Noncurrent loans to loans | 0.3205% | 3,384 |
| Net loans and leases to total assets | 59.3646% | 3,796 |
| Net loans and leases to deposits | 70.6140% | 3,793 |
| Net loans and leases to core deposits | 83.7743% | 3,124 |
| Total domestic deposits to total assets | 84.0692% | 2,831 |
| Equity capital to assets | 11.3012% | 2,782 |
| Core capital (leverage) ratio | 11.4678% | 2,194 |
| Tier 1 risk-based capital ratio | 17.4722% | 1,949 |
| Total risk-based capital ratio | 18.5853% | 1,943 |
| Memoranda: | ||
| Average total assets | $569,620,330 | 1,280 |
| Average earning assets | $536,789,000 | 1,260 |
| Average equity | $62,483,000 | 1,327 |
| Average total loans | $343,881,330 | 1,459 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3205% | 3,496 |
| Cost of funding earning assets | 0.5611% | 3,780 |
| Net interest margin | 3.7594% | 2,673 |
| Noninterest income to average assets | 0.6664% | 1,744 |
| Noninterest expense to average assets | 2.7427% | 2,767 |
| Loan and lease loss provision to assets | 0.0360% | 2,900 |
| Net operating income to assets | 1.1661% | 2,195 |
| Return on assets (ROA) | 1.1661% | 2,245 |
| Pretax return on assets | 1.4388% | 1,964 |
| Return on Equity (ROE) | 10.7968% | 2,023 |
| Retained earnings to average equity (ytd only) | 7.1128% | 1,995 |
| Net charge-offs to loans | 0.1413% | 901 |
| Credit loss provision to net charge-offs | 42.1488% | 2,013 |
| Earnings coverage of net charge-offs (x) | 17.2479% | 1,667 |
| Efficiency ratio | 65.0302% | 3,080 |
| Assets per employee ($millions) | 4.7995% | 2,788 |
| Cash dividends to net income (ytd only)* | 34.1212% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 2,559 |
| Loan loss allowance to noncurrent loans | 143.7544% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5273% | 2,523 |
| Noncurrent loans to loans | 0.8370% | 1,965 |
| Net loans and leases to total assets | 58.2541% | 3,858 |
| Net loans and leases to deposits | 67.8153% | 3,943 |
| Net loans and leases to core deposits | 80.9773% | 3,276 |
| Total domestic deposits to total assets | 85.9010% | 2,321 |
| Equity capital to assets | 10.7362% | 3,122 |
| Core capital (leverage) ratio | 11.3836% | 2,225 |
| Tier 1 risk-based capital ratio | 17.3806% | 1,979 |
| Total risk-based capital ratio | 18.4892% | 1,976 |
| Memoranda: | ||
| Average total assets | $566,010,500 | 1,288 |
| Average earning assets | $534,654,500 | 1,266 |
| Average equity | $61,129,500 | 1,349 |
| Average total loans | $342,502,500 | 1,473 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1935% | 3,458 |
| Cost of funding earning assets | 0.4403% | 3,738 |
| Net interest margin | 3.7532% | 2,844 |
| Noninterest income to average assets | 0.7545% | 1,624 |
| Noninterest expense to average assets | 2.6158% | 3,286 |
| Loan and lease loss provision to assets | 0.1027% | 2,141 |
| Net operating income to assets | 1.2754% | 1,891 |
| Return on assets (ROA) | 1.2754% | 1,890 |
| Pretax return on assets | 1.5728% | 1,543 |
| Return on Equity (ROE) | 12.0841% | 1,687 |
| Retained earnings to average equity (ytd only) | 8.2713% | 1,130 |
| Net charge-offs to loans | 0.0634% | 2,212 |
| Credit loss provision to net charge-offs | 267.4641% | 1,120 |
| Earnings coverage of net charge-offs (x) | 43.6459% | 1,236 |
| Efficiency ratio | 60.9442% | 3,702 |
| Assets per employee ($millions) | 4.5940% | 3,026 |
| Cash dividends to net income (ytd only)* | 31.5524% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,446 |
| Loan loss allowance to noncurrent loans | 139.6201% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.5799% | 2,304 |
| Noncurrent loans to loans | 0.8760% | 1,839 |
| Net loans and leases to total assets | 61.3826% | 3,622 |
| Net loans and leases to deposits | 73.1558% | 3,573 |
| Net loans and leases to core deposits | 87.8558% | 2,763 |
| Total domestic deposits to total assets | 83.9066% | 3,026 |
| Equity capital to assets | 10.8673% | 2,828 |
| Core capital (leverage) ratio | 11.4371% | 2,150 |
| Tier 1 risk-based capital ratio | 17.1239% | 2,025 |
| Total risk-based capital ratio | 18.2556% | 2,013 |
| Memoranda: | ||
| Average total assets | $544,458,800 | 1,306 |
| Average earning assets | $513,056,200 | 1,280 |
| Average equity | $57,463,800 | 1,376 |
| Average total loans | $329,422,400 | 1,482 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 3,492 |
| Cost of funding earning assets | 0.4224% | 3,710 |
| Net interest margin | 3.7178% | 2,951 |
| Noninterest income to average assets | 0.7325% | 1,741 |
| Noninterest expense to average assets | 2.5958% | 3,290 |
| Loan and lease loss provision to assets | 0.1039% | 1,930 |
| Net operating income to assets | 1.2398% | 2,085 |
| Return on assets (ROA) | 1.2398% | 2,088 |
| Pretax return on assets | 1.5353% | 1,789 |
| Return on Equity (ROE) | 11.8362% | 1,856 |
| Retained earnings to average equity (ytd only) | 8.0182% | 1,642 |
| Net charge-offs to loans | 0.0646% | 1,909 |
| Credit loss provision to net charge-offs | 267.7215% | 1,116 |
| Earnings coverage of net charge-offs (x) | 42.2345% | 1,308 |
| Efficiency ratio | 61.2761% | 3,621 |
| Assets per employee ($millions) | 4.5187% | 3,093 |
| Cash dividends to net income (ytd only)* | 32.2567% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 2,518 |
| Loan loss allowance to noncurrent loans | 144.5423% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 2,568 |
| Noncurrent loans to loans | 0.8431% | 2,020 |
| Net loans and leases to total assets | 59.3870% | 3,910 |
| Net loans and leases to deposits | 69.6001% | 3,949 |
| Net loans and leases to core deposits | 83.6122% | 3,184 |
| Total domestic deposits to total assets | 85.3259% | 2,478 |
| Equity capital to assets | 10.2717% | 3,371 |
| Core capital (leverage) ratio | 11.2764% | 2,352 |
| Tier 1 risk-based capital ratio | 16.8790% | 2,143 |
| Total risk-based capital ratio | 17.9974% | 2,135 |
| Memoranda: | ||
| Average total assets | $542,754,250 | 1,307 |
| Average earning assets | $511,327,750 | 1,290 |
| Average equity | $56,852,500 | 1,385 |
| Average total loans | $326,133,500 | 1,502 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0949% | 3,466 |
| Cost of funding earning assets | 0.3755% | 3,908 |
| Net interest margin | 3.7194% | 2,861 |
| Noninterest income to average assets | 0.7428% | 1,675 |
| Noninterest expense to average assets | 2.6232% | 3,252 |
| Loan and lease loss provision to assets | 0.0924% | 2,069 |
| Net operating income to assets | 1.2382% | 2,030 |
| Return on assets (ROA) | 1.2382% | 2,025 |
| Pretax return on assets | 1.5321% | 1,701 |
| Return on Equity (ROE) | 11.7417% | 1,824 |
| Retained earnings to average equity (ytd only) | 7.9408% | 1,655 |
| Net charge-offs to loans | 0.0360% | 2,130 |
| Credit loss provision to net charge-offs | 427.5862% | 785 |
| Earnings coverage of net charge-offs (x) | 75.1897% | 855 |
| Efficiency ratio | 61.7294% | 3,661 |
| Assets per employee ($millions) | 4.5727% | 3,007 |
| Cash dividends to net income (ytd only)* | 32.3706% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 2,596 |
| Loan loss allowance to noncurrent loans | 312.6455% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 3,819 |
| Noncurrent loans to loans | 0.3905% | 3,298 |
| Net loans and leases to total assets | 59.4245% | 3,860 |
| Net loans and leases to deposits | 70.4799% | 3,817 |
| Net loans and leases to core deposits | 85.4449% | 2,973 |
| Total domestic deposits to total assets | 84.3140% | 2,954 |
| Equity capital to assets | 10.3679% | 3,255 |
| Core capital (leverage) ratio | 11.1641% | 2,375 |
| Tier 1 risk-based capital ratio | 16.6453% | 2,213 |
| Total risk-based capital ratio | 17.7509% | 2,203 |
| Memoranda: | ||
| Average total assets | $536,900,670 | 1,322 |
| Average earning assets | $505,942,670 | 1,304 |
| Average equity | $56,618,670 | 1,388 |
| Average total loans | $322,558,330 | 1,511 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0114% | 3,564 |
| Cost of funding earning assets | 0.3447% | 4,028 |
| Net interest margin | 3.6667% | 2,931 |
| Noninterest income to average assets | 0.7488% | 1,627 |
| Noninterest expense to average assets | 2.6569% | 3,169 |
| Loan and lease loss provision to assets | 0.0565% | 2,639 |
| Net operating income to assets | 1.2113% | 1,953 |
| Return on assets (ROA) | 1.2113% | 1,963 |
| Pretax return on assets | 1.4893% | 1,706 |
| Return on Equity (ROE) | 11.3876% | 1,812 |
| Retained earnings to average equity (ytd only) | 7.6696% | 1,966 |
| Net charge-offs to loans | 0.0188% | 2,126 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 136.8000% | 473 |
| Efficiency ratio | 63.1834% | 3,605 |
| Assets per employee ($millions) | 4.4227% | 3,286 |
| Cash dividends to net income (ytd only)* | 32.6493% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 2,687 |
| Loan loss allowance to noncurrent loans | 364.4860% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 4,064 |
| Noncurrent loans to loans | 0.3347% | 3,571 |
| Net loans and leases to total assets | 59.0146% | 3,849 |
| Net loans and leases to deposits | 69.1414% | 3,860 |
| Net loans and leases to core deposits | 82.6226% | 3,095 |
| Total domestic deposits to total assets | 85.3536% | 2,807 |
| Equity capital to assets | 10.4760% | 3,102 |
| Core capital (leverage) ratio | 11.1089% | 2,326 |
| Tier 1 risk-based capital ratio | 16.9583% | 2,131 |
| Total risk-based capital ratio | 18.0721% | 2,119 |
| Memoranda: | ||
| Average total assets | $530,991,000 | 1,350 |
| Average earning assets | $500,176,500 | 1,325 |
| Average equity | $56,482,500 | 1,399 |
| Average total loans | $318,785,500 | 1,524 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8727% | 3,811 |
| Cost of funding earning assets | 0.2624% | 4,459 |
| Net interest margin | 3.6103% | 3,133 |
| Noninterest income to average assets | 0.8230% | 1,488 |
| Noninterest expense to average assets | 2.5620% | 3,573 |
| Loan and lease loss provision to assets | 0.0769% | 2,663 |
| Net operating income to assets | 1.0315% | 2,118 |
| Return on assets (ROA) | 1.0318% | 2,151 |
| Pretax return on assets | 1.5862% | 1,330 |
| Return on Equity (ROE) | 9.8265% | 1,963 |
| Retained earnings to average equity (ytd only) | 6.1214% | 1,471 |
| Net charge-offs to loans | 0.0474% | 2,834 |
| Credit loss provision to net charge-offs | 279.3103% | 1,006 |
| Earnings coverage of net charge-offs (x) | 60.4276% | 952 |
| Efficiency ratio | 60.6118% | 4,170 |
| Assets per employee ($millions) | 4.3183% | 3,456 |
| Cash dividends to net income (ytd only)* | 37.7046% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 2,724 |
| Loan loss allowance to noncurrent loans | 354.5706% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 4,084 |
| Noncurrent loans to loans | 0.3407% | 3,540 |
| Net loans and leases to total assets | 59.6042% | 3,865 |
| Net loans and leases to deposits | 73.2165% | 3,574 |
| Net loans and leases to core deposits | 87.8524% | 2,737 |
| Total domestic deposits to total assets | 81.4082% | 4,021 |
| Equity capital to assets | 10.8009% | 2,834 |
| Core capital (leverage) ratio | 11.1209% | 2,227 |
| Tier 1 risk-based capital ratio | 16.6212% | 2,224 |
| Total risk-based capital ratio | 17.7222% | 2,214 |
| Memoranda: | ||
| Average total assets | $526,966,400 | 1,337 |
| Average earning assets | $496,524,400 | 1,315 |
| Average equity | $55,330,200 | 1,401 |
| Average total loans | $305,690,000 | 1,544 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8300% | 3,901 |
| Cost of funding earning assets | 0.2435% | 4,628 |
| Net interest margin | 3.5864% | 3,206 |
| Noninterest income to average assets | 0.8387% | 1,451 |
| Noninterest expense to average assets | 2.5834% | 3,459 |
| Loan and lease loss provision to assets | 0.0762% | 2,551 |
| Net operating income to assets | 1.1045% | 2,071 |
| Return on assets (ROA) | 1.1048% | 2,121 |
| Pretax return on assets | 1.5592% | 1,548 |
| Return on Equity (ROE) | 10.5985% | 1,859 |
| Retained earnings to average equity (ytd only) | 6.8974% | 1,745 |
| Net charge-offs to loans | 0.0489% | 2,457 |
| Credit loss provision to net charge-offs | 271.1712% | 1,065 |
| Earnings coverage of net charge-offs (x) | 58.2147% | 1,012 |
| Efficiency ratio | 61.2127% | 4,011 |
| Assets per employee ($millions) | 4.5380% | 3,075 |
| Cash dividends to net income (ytd only)* | 34.9210% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 2,703 |
| Loan loss allowance to noncurrent loans | 393.9394% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 4,294 |
| Noncurrent loans to loans | 0.3143% | 3,825 |
| Net loans and leases to total assets | 57.1195% | 4,146 |
| Net loans and leases to deposits | 69.4638% | 4,005 |
| Net loans and leases to core deposits | 82.3047% | 3,257 |
| Total domestic deposits to total assets | 82.2293% | 3,705 |
| Equity capital to assets | 10.7952% | 3,063 |
| Core capital (leverage) ratio | 11.0331% | 2,424 |
| Tier 1 risk-based capital ratio | 17.0448% | 2,141 |
| Total risk-based capital ratio | 18.1659% | 2,137 |
| Memoranda: | ||
| Average total assets | $526,999,250 | 1,341 |
| Average earning assets | $496,599,500 | 1,321 |
| Average equity | $54,937,000 | 1,423 |
| Average total loans | $302,648,500 | 1,565 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7965% | 3,906 |
| Cost of funding earning assets | 0.2151% | 4,846 |
| Net interest margin | 3.5814% | 3,104 |
| Noninterest income to average assets | 0.8577% | 1,395 |
| Noninterest expense to average assets | 2.5990% | 3,435 |
| Loan and lease loss provision to assets | 0.0880% | 2,222 |
| Net operating income to assets | 1.0979% | 1,987 |
| Return on assets (ROA) | 1.0979% | 2,043 |
| Pretax return on assets | 1.5440% | 1,512 |
| Return on Equity (ROE) | 10.6579% | 1,779 |
| Retained earnings to average equity (ytd only) | 6.9346% | 1,624 |
| Net charge-offs to loans | 0.0609% | 2,051 |
| Credit loss provision to net charge-offs | 252.1739% | 1,067 |
| Earnings coverage of net charge-offs (x) | 46.7609% | 1,134 |
| Efficiency ratio | 61.3916% | 4,102 |
| Assets per employee ($millions) | 4.4810% | 3,143 |
| Cash dividends to net income (ytd only)* | 34.9343% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 2,889 |
| Loan loss allowance to noncurrent loans | 323.7598% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 3,515 |
| Noncurrent loans to loans | 0.3771% | 3,673 |
| Net loans and leases to total assets | 56.9230% | 4,130 |
| Net loans and leases to deposits | 69.4187% | 3,952 |
| Net loans and leases to core deposits | 82.2410% | 3,233 |
| Total domestic deposits to total assets | 81.9996% | 3,890 |
| Equity capital to assets | 10.5328% | 3,297 |
| Core capital (leverage) ratio | 10.6140% | 2,793 |
| Tier 1 risk-based capital ratio | 16.7347% | 2,222 |
| Total risk-based capital ratio | 17.8417% | 2,236 |
| Memoranda: | ||
| Average total assets | $527,195,670 | 1,348 |
| Average earning assets | $496,559,670 | 1,324 |
| Average equity | $54,307,000 | 1,441 |
| Average total loans | $302,047,000 | 1,568 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7392% | 3,977 |
| Cost of funding earning assets | 0.2170% | 4,825 |
| Net interest margin | 3.5222% | 3,189 |
| Noninterest income to average assets | 0.7591% | 1,715 |
| Noninterest expense to average assets | 2.5417% | 3,687 |
| Loan and lease loss provision to assets | 0.0600% | 2,601 |
| Net operating income to assets | 1.0592% | 2,035 |
| Return on assets (ROA) | 1.0592% | 2,077 |
| Pretax return on assets | 1.4756% | 1,621 |
| Return on Equity (ROE) | 10.4003% | 1,781 |
| Retained earnings to average equity (ytd only) | 6.6997% | 1,979 |
| Net charge-offs to loans | 0.0665% | 1,664 |
| Credit loss provision to net charge-offs | 158.0000% | 1,172 |
| Earnings coverage of net charge-offs (x) | 40.4200% | 1,035 |
| Efficiency ratio | 62.2997% | 4,107 |
| Assets per employee ($millions) | 4.5858% | 3,030 |
| Cash dividends to net income (ytd only)* | 35.5811% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 3,122 |
| Loan loss allowance to noncurrent loans | 369.8770% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 3,684 |
| Noncurrent loans to loans | 0.3251% | 3,959 |
| Net loans and leases to total assets | 55.2734% | 4,229 |
| Net loans and leases to deposits | 64.5258% | 4,279 |
| Net loans and leases to core deposits | 74.5405% | 3,786 |
| Total domestic deposits to total assets | 85.6610% | 2,813 |
| Equity capital to assets | 10.1058% | 3,613 |
| Core capital (leverage) ratio | 10.6020% | 2,790 |
| Tier 1 risk-based capital ratio | 16.5405% | 2,342 |
| Total risk-based capital ratio | 17.6233% | 2,350 |
| Memoranda: | ||
| Average total assets | $526,415,500 | 1,356 |
| Average earning assets | $495,939,500 | 1,326 |
| Average equity | $53,614,000 | 1,450 |
| Average total loans | $300,718,500 | 1,577 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 4,012 |
| Cost of funding earning assets | 0.2184% | 4,849 |
| Net interest margin | 3.5453% | 3,267 |
| Noninterest income to average assets | 0.7900% | 1,782 |
| Noninterest expense to average assets | 2.6287% | 3,591 |
| Loan and lease loss provision to assets | 0.0559% | 3,261 |
| Net operating income to assets | 1.0494% | 2,145 |
| Return on assets (ROA) | 1.0540% | 2,222 |
| Pretax return on assets | 1.4546% | 1,735 |
| Return on Equity (ROE) | 10.2602% | 1,860 |
| Retained earnings to average equity (ytd only) | 6.6222% | 1,396 |
| Net charge-offs to loans | -0.0003% | 4,629 |
| Credit loss provision to net charge-offs | -28,900.0000% | 5,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5729% | 4,017 |
| Assets per employee ($millions) | 4.2319% | 3,567 |
| Cash dividends to net income (ytd only)* | 35.4572% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 3,190 |
| Loan loss allowance to noncurrent loans | 384.9462% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 3,613 |
| Noncurrent loans to loans | 0.3087% | 4,034 |
| Net loans and leases to total assets | 57.6580% | 4,101 |
| Net loans and leases to deposits | 71.0855% | 3,804 |
| Net loans and leases to core deposits | 86.7583% | 2,787 |
| Total domestic deposits to total assets | 81.1108% | 4,310 |
| Equity capital to assets | 10.2668% | 3,427 |
| Core capital (leverage) ratio | 10.5255% | 2,854 |
| Tier 1 risk-based capital ratio | 16.2576% | 2,446 |
| Total risk-based capital ratio | 17.3326% | 2,447 |
| Memoranda: | ||
| Average total assets | $516,714,800 | 1,327 |
| Average earning assets | $487,214,800 | 1,299 |
| Average equity | $53,078,800 | 1,449 |
| Average total loans | $292,886,800 | 1,555 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7319% | 4,141 |
| Cost of funding earning assets | 0.2163% | 4,912 |
| Net interest margin | 3.5156% | 3,412 |
| Noninterest income to average assets | 0.7772% | 1,858 |
| Noninterest expense to average assets | 2.6002% | 3,660 |
| Loan and lease loss provision to assets | 0.0524% | 3,210 |
| Net operating income to assets | 1.0376% | 2,255 |
| Return on assets (ROA) | 1.0437% | 2,352 |
| Pretax return on assets | 1.4500% | 1,878 |
| Return on Equity (ROE) | 10.1598% | 1,991 |
| Retained earnings to average equity (ytd only) | 6.5338% | 1,892 |
| Net charge-offs to loans | -0.0170% | 4,954 |
| Credit loss provision to net charge-offs | -548.6486% | 5,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4806% | 4,006 |
| Assets per employee ($millions) | 4.5510% | 2,998 |
| Cash dividends to net income (ytd only)* | 35.6897% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 3,422 |
| Loan loss allowance to noncurrent loans | 460.8355% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 3,959 |
| Noncurrent loans to loans | 0.2540% | 4,358 |
| Net loans and leases to total assets | 56.4492% | 4,262 |
| Net loans and leases to deposits | 68.2233% | 4,129 |
| Net loans and leases to core deposits | 84.7883% | 3,055 |
| Total domestic deposits to total assets | 82.7417% | 3,689 |
| Equity capital to assets | 10.3951% | 3,686 |
| Core capital (leverage) ratio | 10.3330% | 3,182 |
| Tier 1 risk-based capital ratio | 16.0376% | 2,605 |
| Total risk-based capital ratio | 17.1028% | 2,624 |
| Memoranda: | ||
| Average total assets | $516,869,500 | 1,332 |
| Average earning assets | $487,636,500 | 1,303 |
| Average equity | $53,096,750 | 1,455 |
| Average total loans | $290,792,000 | 1,563 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7402% | 4,156 |
| Cost of funding earning assets | 0.2106% | 5,036 |
| Net interest margin | 3.5296% | 3,373 |
| Noninterest income to average assets | 0.7627% | 1,878 |
| Noninterest expense to average assets | 2.6146% | 3,675 |
| Loan and lease loss provision to assets | 0.0557% | 3,034 |
| Net operating income to assets | 1.0274% | 2,260 |
| Return on assets (ROA) | 1.0296% | 2,392 |
| Pretax return on assets | 1.4264% | 1,925 |
| Return on Equity (ROE) | 10.0641% | 2,019 |
| Retained earnings to average equity (ytd only) | 6.4224% | 1,906 |
| Net charge-offs to loans | -0.0118% | 4,753 |
| Credit loss provision to net charge-offs | -841.1765% | 5,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8423% | 4,050 |
| Assets per employee ($millions) | 4.5094% | 3,006 |
| Cash dividends to net income (ytd only)* | 36.1847% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 3,494 |
| Loan loss allowance to noncurrent loans | 474.5530% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 4,089 |
| Noncurrent loans to loans | 0.2476% | 4,465 |
| Net loans and leases to total assets | 54.9981% | 4,414 |
| Net loans and leases to deposits | 67.2012% | 4,248 |
| Net loans and leases to core deposits | 83.8410% | 3,099 |
| Total domestic deposits to total assets | 81.8410% | 4,042 |
| Equity capital to assets | 10.3104% | 3,847 |
| Core capital (leverage) ratio | 10.1650% | 3,370 |
| Tier 1 risk-based capital ratio | 15.9115% | 2,687 |
| Total risk-based capital ratio | 16.9644% | 2,712 |
| Memoranda: | ||
| Average total assets | $513,188,000 | 1,347 |
| Average earning assets | $484,308,330 | 1,316 |
| Average equity | $52,503,330 | 1,476 |
| Average total loans | $287,211,670 | 1,580 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7782% | 4,025 |
| Cost of funding earning assets | 0.2170% | 5,035 |
| Net interest margin | 3.5613% | 3,236 |
| Noninterest income to average assets | 0.7289% | 1,911 |
| Noninterest expense to average assets | 2.6254% | 3,672 |
| Loan and lease loss provision to assets | 0.0379% | 3,151 |
| Net operating income to assets | 1.0388% | 2,124 |
| Return on assets (ROA) | 1.0388% | 2,248 |
| Pretax return on assets | 1.4261% | 1,814 |
| Return on Equity (ROE) | 10.1946% | 1,906 |
| Retained earnings to average equity (ytd only) | 6.4861% | 2,140 |
| Net charge-offs to loans | -0.0239% | 4,957 |
| Credit loss provision to net charge-offs | -282.3529% | 4,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1601% | 4,097 |
| Assets per employee ($millions) | 4.4616% | 3,140 |
| Cash dividends to net income (ytd only)* | 36.3775% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 3,676 |
| Loan loss allowance to noncurrent loans | 549.0998% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 4,208 |
| Noncurrent loans to loans | 0.2127% | 4,667 |
| Net loans and leases to total assets | 54.3865% | 4,416 |
| Net loans and leases to deposits | 64.8494% | 4,353 |
| Net loans and leases to core deposits | 78.3914% | 3,462 |
| Total domestic deposits to total assets | 83.8659% | 3,570 |
| Equity capital to assets | 10.0913% | 3,960 |
| Core capital (leverage) ratio | 10.1523% | 3,367 |
| Tier 1 risk-based capital ratio | 15.8455% | 2,762 |
| Total risk-based capital ratio | 16.8838% | 2,780 |
| Memoranda: | ||
| Average total assets | $505,984,000 | 1,368 |
| Average earning assets | $477,472,500 | 1,327 |
| Average equity | $51,556,500 | 1,490 |
| Average total loans | $284,008,500 | 1,597 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7663% | 4,143 |
| Cost of funding earning assets | 0.2168% | 5,127 |
| Net interest margin | 3.5495% | 3,329 |
| Noninterest income to average assets | 0.9012% | 1,443 |
| Noninterest expense to average assets | 2.7542% | 3,399 |
| Loan and lease loss provision to assets | 0.0632% | 3,033 |
| Net operating income to assets | 1.0372% | 2,185 |
| Return on assets (ROA) | 1.0494% | 2,212 |
| Pretax return on assets | 1.4326% | 1,777 |
| Return on Equity (ROE) | 10.4542% | 1,825 |
| Retained earnings to average equity (ytd only) | 6.6512% | 1,466 |
| Net charge-offs to loans | 0.0444% | 3,325 |
| Credit loss provision to net charge-offs | 258.3333% | 1,114 |
| Earnings coverage of net charge-offs (x) | 60.4417% | 868 |
| Efficiency ratio | 65.0272% | 4,078 |
| Assets per employee ($millions) | 4.0492% | 3,848 |
| Cash dividends to net income (ytd only)* | 36.3778% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 3,634 |
| Loan loss allowance to noncurrent loans | 695.5603% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 4,275 |
| Noncurrent loans to loans | 0.1685% | 4,817 |
| Net loans and leases to total assets | 56.6312% | 4,240 |
| Net loans and leases to deposits | 70.2015% | 3,900 |
| Net loans and leases to core deposits | 83.7842% | 2,987 |
| Total domestic deposits to total assets | 80.6695% | 4,576 |
| Equity capital to assets | 10.2938% | 3,632 |
| Core capital (leverage) ratio | 10.2869% | 3,170 |
| Tier 1 risk-based capital ratio | 15.9762% | 2,697 |
| Total risk-based capital ratio | 17.0214% | 2,735 |
| Memoranda: | ||
| Average total assets | $490,371,600 | 1,373 |
| Average earning assets | $460,344,800 | 1,343 |
| Average equity | $49,224,200 | 1,514 |
| Average total loans | $270,412,600 | 1,613 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7533% | 4,249 |
| Cost of funding earning assets | 0.2213% | 5,168 |
| Net interest margin | 3.5319% | 3,422 |
| Noninterest income to average assets | 0.8813% | 1,507 |
| Noninterest expense to average assets | 2.7828% | 3,261 |
| Loan and lease loss provision to assets | 0.0351% | 3,521 |
| Net operating income to assets | 1.0038% | 2,451 |
| Return on assets (ROA) | 1.0189% | 2,476 |
| Pretax return on assets | 1.3981% | 2,019 |
| Return on Equity (ROE) | 10.2148% | 2,015 |
| Retained earnings to average equity (ytd only) | 7.7319% | 1,362 |
| Net charge-offs to loans | 0.0393% | 3,105 |
| Credit loss provision to net charge-offs | 163.2911% | 1,577 |
| Earnings coverage of net charge-offs (x) | 65.7726% | 847 |
| Efficiency ratio | 66.2995% | 3,839 |
| Assets per employee ($millions) | 4.0987% | 3,698 |
| Cash dividends to net income (ytd only)* | 24.3064% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 3,825 |
| Loan loss allowance to noncurrent loans | 432.0988% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.3672% | 4,297 |
| Noncurrent loans to loans | 0.2704% | 4,608 |
| Net loans and leases to total assets | 53.7254% | 4,590 |
| Net loans and leases to deposits | 63.6243% | 4,587 |
| Net loans and leases to core deposits | 78.3729% | 3,574 |
| Total domestic deposits to total assets | 84.4417% | 3,240 |
| Equity capital to assets | 10.1830% | 3,959 |
| Core capital (leverage) ratio | 10.3065% | 3,252 |
| Tier 1 risk-based capital ratio | 17.0697% | 2,352 |
| Total risk-based capital ratio | 18.1505% | 2,364 |
| Memoranda: | ||
| Average total assets | $490,475,500 | 1,377 |
| Average earning assets | $460,211,250 | 1,349 |
| Average equity | $48,921,500 | 1,535 |
| Average total loans | $267,826,250 | 1,641 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7484% | 4,242 |
| Cost of funding earning assets | 0.2298% | 5,149 |
| Net interest margin | 3.5186% | 3,423 |
| Noninterest income to average assets | 0.8787% | 1,515 |
| Noninterest expense to average assets | 2.7738% | 3,336 |
| Loan and lease loss provision to assets | 0.0282% | 3,559 |
| Net operating income to assets | 1.0005% | 2,390 |
| Return on assets (ROA) | 1.0232% | 2,388 |
| Pretax return on assets | 1.4112% | 1,932 |
| Return on Equity (ROE) | 10.3317% | 1,922 |
| Retained earnings to average equity (ytd only) | 8.4679% | 1,091 |
| Net charge-offs to loans | 0.0292% | 3,084 |
| Credit loss provision to net charge-offs | 176.9231% | 1,360 |
| Earnings coverage of net charge-offs (x) | 88.2308% | 656 |
| Efficiency ratio | 66.2850% | 3,960 |
| Assets per employee ($millions) | 4.0411% | 3,796 |
| Cash dividends to net income (ytd only)* | 18.0400% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 3,983 |
| Loan loss allowance to noncurrent loans | 557.9323% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 4,494 |
| Noncurrent loans to loans | 0.2095% | 4,934 |
| Net loans and leases to total assets | 53.6905% | 4,588 |
| Net loans and leases to deposits | 63.3518% | 4,588 |
| Net loans and leases to core deposits | 79.0443% | 3,481 |
| Total domestic deposits to total assets | 84.7498% | 3,238 |
| Equity capital to assets | 9.9196% | 4,128 |
| Core capital (leverage) ratio | 9.8361% | 3,820 |
| Tier 1 risk-based capital ratio | 16.9032% | 2,444 |
| Total risk-based capital ratio | 17.9856% | 2,462 |
| Memoranda: | ||
| Average total assets | $488,652,000 | 1,394 |
| Average earning assets | $458,757,000 | 1,358 |
| Average equity | $48,394,670 | 1,550 |
| Average total loans | $267,235,330 | 1,646 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7474% | 4,205 |
| Cost of funding earning assets | 0.2419% | 5,108 |
| Net interest margin | 3.5055% | 3,420 |
| Noninterest income to average assets | 0.8815% | 1,446 |
| Noninterest expense to average assets | 2.7512% | 3,413 |
| Loan and lease loss provision to assets | 0.0419% | 3,073 |
| Net operating income to assets | 0.9957% | 2,289 |
| Return on assets (ROA) | 0.9957% | 2,418 |
| Pretax return on assets | 1.3764% | 1,973 |
| Return on Equity (ROE) | 10.0624% | 1,973 |
| Retained earnings to average equity (ytd only) | 10.0624% | 907 |
| Net charge-offs to loans | 0.0614% | 2,132 |
| Credit loss provision to net charge-offs | 124.3902% | 1,415 |
| Earnings coverage of net charge-offs (x) | 42.0732% | 946 |
| Efficiency ratio | 65.9436% | 4,170 |
| Assets per employee ($millions) | 4.1848% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 4,127 |
| Loan loss allowance to noncurrent loans | 541.8118% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 4,604 |
| Noncurrent loans to loans | 0.2167% | 5,002 |
| Net loans and leases to total assets | 52.5725% | 4,602 |
| Net loans and leases to deposits | 63.8893% | 4,379 |
| Net loans and leases to core deposits | 80.0479% | 3,159 |
| Total domestic deposits to total assets | 82.2869% | 4,420 |
| Equity capital to assets | 9.8706% | 4,299 |
| Core capital (leverage) ratio | 9.8475% | 3,826 |
| Tier 1 risk-based capital ratio | 16.6605% | 2,609 |
| Total risk-based capital ratio | 17.7409% | 2,626 |
| Memoranda: | ||
| Average total assets | $486,470,500 | 1,400 |
| Average earning assets | $456,317,000 | 1,376 |
| Average equity | $48,139,500 | 1,563 |
| Average total loans | $266,937,000 | 1,643 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7979% | 4,499 |
| Cost of funding earning assets | 0.2369% | 5,458 |
| Net interest margin | 3.5610% | 3,552 |
| Noninterest income to average assets | 1.0029% | 1,209 |
| Noninterest expense to average assets | 2.8105% | 3,438 |
| Loan and lease loss provision to assets | 0.0772% | 2,931 |
| Net operating income to assets | 1.0377% | 2,223 |
| Return on assets (ROA) | 1.0580% | 2,192 |
| Pretax return on assets | 1.4934% | 1,566 |
| Return on Equity (ROE) | 10.8990% | 1,750 |
| Retained earnings to average equity (ytd only) | 9.9499% | 527 |
| Net charge-offs to loans | 0.0465% | 3,898 |
| Credit loss provision to net charge-offs | 305.1282% | 852 |
| Earnings coverage of net charge-offs (x) | 60.7778% | 786 |
| Efficiency ratio | 64.5976% | 4,479 |
| Assets per employee ($millions) | 3.9252% | 4,109 |
| Cash dividends to net income (ytd only)* | 8.7081% | 4,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 4,271 |
| Loan loss allowance to noncurrent loans | 424.6575% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4887% | 4,172 |
| Noncurrent loans to loans | 0.2714% | 4,879 |
| Net loans and leases to total assets | 55.9759% | 4,338 |
| Net loans and leases to deposits | 69.2284% | 4,003 |
| Net loans and leases to core deposits | 89.5911% | 2,326 |
| Total domestic deposits to total assets | 80.8569% | 4,780 |
| Equity capital to assets | 9.9219% | 4,209 |
| Core capital (leverage) ratio | 10.0522% | 3,498 |
| Tier 1 risk-based capital ratio | 16.6629% | 2,651 |
| Total risk-based capital ratio | 17.7705% | 2,654 |
| Memoranda: | ||
| Average total assets | $462,368,200 | 1,448 |
| Average earning assets | $434,394,800 | 1,414 |
| Average equity | $44,885,000 | 1,606 |
| Average total loans | $251,694,200 | 1,678 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7884% | 4,583 |
| Cost of funding earning assets | 0.2346% | 5,557 |
| Net interest margin | 3.5538% | 3,614 |
| Noninterest income to average assets | 0.9802% | 1,283 |
| Noninterest expense to average assets | 2.8009% | 3,454 |
| Loan and lease loss provision to assets | 0.0775% | 2,791 |
| Net operating income to assets | 1.0214% | 2,360 |
| Return on assets (ROA) | 1.0359% | 2,360 |
| Pretax return on assets | 1.4642% | 1,762 |
| Return on Equity (ROE) | 10.7325% | 1,895 |
| Retained earnings to average equity (ytd only) | 9.4511% | 855 |
| Net charge-offs to loans | 0.0361% | 3,766 |
| Credit loss provision to net charge-offs | 398.5075% | 704 |
| Earnings coverage of net charge-offs (x) | 78.0308% | 716 |
| Efficiency ratio | 64.8202% | 4,405 |
| Assets per employee ($millions) | 3.8957% | 4,099 |
| Cash dividends to net income (ytd only)* | 11.9396% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 4,256 |
| Loan loss allowance to noncurrent loans | 189.1224% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 4,507 |
| Noncurrent loans to loans | 0.6320% | 4,032 |
| Net loans and leases to total assets | 54.1121% | 4,563 |
| Net loans and leases to deposits | 66.0386% | 4,327 |
| Net loans and leases to core deposits | 83.6674% | 2,922 |
| Total domestic deposits to total assets | 81.9402% | 4,498 |
| Equity capital to assets | 9.9650% | 4,208 |
| Core capital (leverage) ratio | 9.8727% | 3,849 |
| Tier 1 risk-based capital ratio | 16.9384% | 2,638 |
| Total risk-based capital ratio | 18.0769% | 2,623 |
| Memoranda: | ||
| Average total assets | $459,223,000 | 1,464 |
| Average earning assets | $431,409,250 | 1,433 |
| Average equity | $44,325,250 | 1,632 |
| Average total loans | $247,378,500 | 1,715 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7653% | 4,637 |
| Cost of funding earning assets | 0.2284% | 5,673 |
| Net interest margin | 3.5369% | 3,621 |
| Noninterest income to average assets | 0.9823% | 1,252 |
| Noninterest expense to average assets | 2.7862% | 3,557 |
| Loan and lease loss provision to assets | 0.0819% | 2,665 |
| Net operating income to assets | 1.0191% | 2,248 |
| Return on assets (ROA) | 1.0336% | 2,255 |
| Pretax return on assets | 1.4573% | 1,684 |
| Return on Equity (ROE) | 10.8281% | 1,799 |
| Retained earnings to average equity (ytd only) | 8.8727% | 1,032 |
| Net charge-offs to loans | 0.0384% | 3,452 |
| Credit loss provision to net charge-offs | 397.8723% | 699 |
| Earnings coverage of net charge-offs (x) | 73.5106% | 708 |
| Efficiency ratio | 64.7544% | 4,577 |
| Assets per employee ($millions) | 3.9144% | 4,030 |
| Cash dividends to net income (ytd only)* | 18.0585% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 4,441 |
| Loan loss allowance to noncurrent loans | 204.9180% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.4427% | 4,673 |
| Noncurrent loans to loans | 0.5836% | 4,272 |
| Net loans and leases to total assets | 53.2090% | 4,625 |
| Net loans and leases to deposits | 65.1445% | 4,366 |
| Net loans and leases to core deposits | 82.6585% | 2,898 |
| Total domestic deposits to total assets | 81.6784% | 4,757 |
| Equity capital to assets | 9.8059% | 4,347 |
| Core capital (leverage) ratio | 9.5758% | 4,210 |
| Tier 1 risk-based capital ratio | 16.7814% | 2,716 |
| Total risk-based capital ratio | 17.9194% | 2,720 |
| Memoranda: | ||
| Average total assets | $456,469,000 | 1,469 |
| Average earning assets | $428,171,000 | 1,443 |
| Average equity | $43,572,000 | 1,646 |
| Average total loans | $244,496,000 | 1,729 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7185% | 4,783 |
| Cost of funding earning assets | 0.2289% | 5,762 |
| Net interest margin | 3.4896% | 3,742 |
| Noninterest income to average assets | 0.9464% | 1,270 |
| Noninterest expense to average assets | 2.8561% | 3,352 |
| Loan and lease loss provision to assets | 0.0212% | 3,551 |
| Net operating income to assets | 0.9651% | 2,336 |
| Return on assets (ROA) | 0.9951% | 2,289 |
| Pretax return on assets | 1.3873% | 1,798 |
| Return on Equity (ROE) | 10.5740% | 1,836 |
| Retained earnings to average equity (ytd only) | 6.5758% | 2,237 |
| Net charge-offs to loans | 0.0398% | 2,829 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 63.8750% | 627 |
| Efficiency ratio | 67.7453% | 4,218 |
| Assets per employee ($millions) | 3.8714% | 4,186 |
| Cash dividends to net income (ytd only)* | 37.8114% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 4,679 |
| Loan loss allowance to noncurrent loans | 190.9212% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 4,774 |
| Noncurrent loans to loans | 0.6235% | 4,303 |
| Net loans and leases to total assets | 51.1013% | 4,783 |
| Net loans and leases to deposits | 61.2646% | 4,630 |
| Net loans and leases to core deposits | 76.6762% | 3,346 |
| Total domestic deposits to total assets | 83.4109% | 4,475 |
| Equity capital to assets | 9.3078% | 4,753 |
| Core capital (leverage) ratio | 9.6288% | 4,095 |
| Tier 1 risk-based capital ratio | 17.0810% | 2,654 |
| Total risk-based capital ratio | 18.2194% | 2,657 |
| Memoranda: | ||
| Average total assets | $451,797,500 | 1,482 |
| Average earning assets | $422,965,500 | 1,465 |
| Average equity | $42,519,500 | 1,678 |
| Average total loans | $241,317,000 | 1,753 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9405% | 4,316 |
| Cost of funding earning assets | 0.2482% | 5,976 |
| Net interest margin | 3.6924% | 3,085 |
| Noninterest income to average assets | 1.0947% | 1,170 |
| Noninterest expense to average assets | 2.9467% | 3,208 |
| Loan and lease loss provision to assets | 0.0360% | 4,401 |
| Net operating income to assets | 1.1145% | 1,885 |
| Return on assets (ROA) | 1.1080% | 1,979 |
| Pretax return on assets | 1.5408% | 1,324 |
| Return on Equity (ROE) | 11.3377% | 1,659 |
| Retained earnings to average equity (ytd only) | 5.9627% | 2,001 |
| Net charge-offs to loans | 0.0706% | 4,220 |
| Credit loss provision to net charge-offs | 91.1243% | 2,723 |
| Earnings coverage of net charge-offs (x) | 40.1302% | 949 |
| Efficiency ratio | 65.0124% | 4,726 |
| Assets per employee ($millions) | 3.6283% | 4,618 |
| Cash dividends to net income (ytd only)* | 47.4083% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 4,756 |
| Loan loss allowance to noncurrent loans | 189.2786% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4959% | 4,749 |
| Noncurrent loans to loans | 0.6234% | 4,420 |
| Net loans and leases to total assets | 54.5555% | 4,521 |
| Net loans and leases to deposits | 67.4272% | 4,129 |
| Net loans and leases to core deposits | 84.8780% | 2,573 |
| Total domestic deposits to total assets | 80.9102% | 5,207 |
| Equity capital to assets | 9.5206% | 4,400 |
| Core capital (leverage) ratio | 9.7568% | 3,901 |
| Tier 1 risk-based capital ratio | 16.7478% | 2,737 |
| Total risk-based capital ratio | 17.8847% | 2,744 |
| Memoranda: | ||
| Average total assets | $428,350,400 | 1,544 |
| Average earning assets | $398,525,600 | 1,513 |
| Average equity | $41,860,200 | 1,677 |
| Average total loans | $239,225,800 | 1,733 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9562% | 4,295 |
| Cost of funding earning assets | 0.2505% | 6,078 |
| Net interest margin | 3.7057% | 3,010 |
| Noninterest income to average assets | 1.0916% | 1,225 |
| Noninterest expense to average assets | 2.9959% | 3,009 |
| Loan and lease loss provision to assets | 0.0185% | 4,646 |
| Net operating income to assets | 1.0894% | 2,040 |
| Return on assets (ROA) | 1.0806% | 2,164 |
| Pretax return on assets | 1.5150% | 1,565 |
| Return on Equity (ROE) | 10.9846% | 1,824 |
| Retained earnings to average equity (ytd only) | 10.1886% | 750 |
| Net charge-offs to loans | 0.0861% | 3,718 |
| Credit loss provision to net charge-offs | 38.3117% | 3,746 |
| Earnings coverage of net charge-offs (x) | 31.9737% | 1,183 |
| Efficiency ratio | 65.9811% | 4,484 |
| Assets per employee ($millions) | 3.6665% | 4,518 |
| Cash dividends to net income (ytd only)* | 7.2465% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 5,008 |
| Loan loss allowance to noncurrent loans | 198.7134% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 4,617 |
| Noncurrent loans to loans | 0.5896% | 4,725 |
| Net loans and leases to total assets | 54.6616% | 4,506 |
| Net loans and leases to deposits | 65.8502% | 4,325 |
| Net loans and leases to core deposits | 81.6108% | 2,923 |
| Total domestic deposits to total assets | 83.0090% | 4,571 |
| Equity capital to assets | 9.7882% | 4,201 |
| Core capital (leverage) ratio | 10.2540% | 3,319 |
| Tier 1 risk-based capital ratio | 17.5302% | 2,495 |
| Total risk-based capital ratio | 18.6683% | 2,507 |
| Memoranda: | ||
| Average total assets | $425,681,500 | 1,562 |
| Average earning assets | $395,924,500 | 1,538 |
| Average equity | $41,875,750 | 1,688 |
| Average total loans | $238,439,000 | 1,739 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 4,162 |
| Cost of funding earning assets | 0.2557% | 6,133 |
| Net interest margin | 3.7305% | 2,847 |
| Noninterest income to average assets | 1.0698% | 1,339 |
| Noninterest expense to average assets | 3.0119% | 2,961 |
| Loan and lease loss provision to assets | 0.0160% | 4,573 |
| Net operating income to assets | 1.0731% | 2,022 |
| Return on assets (ROA) | 1.0599% | 2,194 |
| Pretax return on assets | 1.4918% | 1,636 |
| Return on Equity (ROE) | 10.7559% | 1,900 |
| Retained earnings to average equity (ytd only) | 9.5608% | 948 |
| Net charge-offs to loans | 0.0285% | 4,294 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 94.9706% | 489 |
| Efficiency ratio | 66.4034% | 4,473 |
| Assets per employee ($millions) | 3.5916% | 4,646 |
| Cash dividends to net income (ytd only)* | 11.1111% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 4,907 |
| Loan loss allowance to noncurrent loans | 189.7690% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 4,537 |
| Noncurrent loans to loans | 0.6401% | 4,660 |
| Net loans and leases to total assets | 55.1715% | 4,425 |
| Net loans and leases to deposits | 66.4122% | 4,215 |
| Net loans and leases to core deposits | 81.2301% | 2,890 |
| Total domestic deposits to total assets | 83.0743% | 4,675 |
| Equity capital to assets | 9.6469% | 4,394 |
| Core capital (leverage) ratio | 9.8029% | 3,788 |
| Tier 1 risk-based capital ratio | 16.9882% | 2,721 |
| Total risk-based capital ratio | 18.1618% | 2,716 |
| Memoranda: | ||
| Average total assets | $424,580,330 | 1,572 |
| Average earning assets | $394,161,330 | 1,548 |
| Average equity | $41,837,670 | 1,690 |
| Average total loans | $238,828,670 | 1,734 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0157% | 4,053 |
| Cost of funding earning assets | 0.2554% | 6,253 |
| Net interest margin | 3.7603% | 2,612 |
| Noninterest income to average assets | 1.0429% | 1,360 |
| Noninterest expense to average assets | 3.0449% | 2,852 |
| Loan and lease loss provision to assets | 0.0038% | 4,378 |
| Net operating income to assets | 1.0523% | 2,027 |
| Return on assets (ROA) | 1.0260% | 2,235 |
| Pretax return on assets | 1.4467% | 1,715 |
| Return on Equity (ROE) | 10.3038% | 1,957 |
| Retained earnings to average equity (ytd only) | 10.3038% | 1,036 |
| Net charge-offs to loans | 0.0067% | 4,024 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 392.2500% | 88 |
| Efficiency ratio | 67.2981% | 4,445 |
| Assets per employee ($millions) | 3.7129% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 5,111 |
| Loan loss allowance to noncurrent loans | 175.4118% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6794% | 4,680 |
| Noncurrent loans to loans | 0.6932% | 4,739 |
| Net loans and leases to total assets | 54.2293% | 4,369 |
| Net loans and leases to deposits | 65.4390% | 4,130 |
| Net loans and leases to core deposits | 78.4547% | 2,999 |
| Total domestic deposits to total assets | 82.8699% | 4,899 |
| Equity capital to assets | 9.9060% | 4,265 |
| Core capital (leverage) ratio | 9.7800% | 3,686 |
| Tier 1 risk-based capital ratio | 16.8435% | 2,836 |
| Total risk-based capital ratio | 18.0332% | 2,835 |
| Memoranda: | ||
| Average total assets | $424,967,500 | 1,581 |
| Average earning assets | $393,161,500 | 1,560 |
| Average equity | $42,314,500 | 1,688 |
| Average total loans | $239,895,500 | 1,727 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3059% | 4,168 |
| Cost of funding earning assets | 0.3508% | 6,211 |
| Net interest margin | 3.9552% | 2,583 |
| Noninterest income to average assets | 1.0668% | 1,366 |
| Noninterest expense to average assets | 3.1075% | 2,898 |
| Loan and lease loss provision to assets | 0.0408% | 5,353 |
| Net operating income to assets | 1.0708% | 2,051 |
| Return on assets (ROA) | 1.0907% | 2,157 |
| Pretax return on assets | 1.5004% | 1,676 |
| Return on Equity (ROE) | 10.6938% | 1,908 |
| Retained earnings to average equity (ytd only) | 0.6534% | 5,536 |
| Net charge-offs to loans | 0.0463% | 5,265 |
| Credit loss provision to net charge-offs | 156.6038% | 1,723 |
| Earnings coverage of net charge-offs (x) | 57.9811% | 613 |
| Efficiency ratio | 67.2399% | 4,285 |
| Assets per employee ($millions) | 3.5528% | 4,899 |
| Cash dividends to net income (ytd only)* | 93.8895% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 5,207 |
| Loan loss allowance to noncurrent loans | 141.4166% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.7719% | 4,533 |
| Noncurrent loans to loans | 0.8354% | 4,524 |
| Net loans and leases to total assets | 57.3605% | 4,071 |
| Net loans and leases to deposits | 72.8629% | 3,273 |
| Net loans and leases to core deposits | 82.9299% | 2,676 |
| Total domestic deposits to total assets | 78.7239% | 5,950 |
| Equity capital to assets | 10.0096% | 4,151 |
| Core capital (leverage) ratio | 9.7667% | 3,700 |
| Tier 1 risk-based capital ratio | 16.0566% | 3,131 |
| Total risk-based capital ratio | 17.2219% | 3,134 |
| Memoranda: | ||
| Average total assets | $406,631,400 | 1,608 |
| Average earning assets | $365,192,400 | 1,638 |
| Average equity | $41,472,800 | 1,681 |
| Average total loans | $228,733,000 | 1,785 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3476% | 4,264 |
| Cost of funding earning assets | 0.3774% | 6,248 |
| Net interest margin | 3.9702% | 2,624 |
| Noninterest income to average assets | 1.0568% | 1,351 |
| Noninterest expense to average assets | 3.1456% | 2,736 |
| Loan and lease loss provision to assets | 0.0264% | 5,454 |
| Net operating income to assets | 1.0365% | 2,333 |
| Return on assets (ROA) | 1.0627% | 2,456 |
| Pretax return on assets | 1.4778% | 1,967 |
| Return on Equity (ROE) | 10.3697% | 2,189 |
| Retained earnings to average equity (ytd only) | 3.5565% | 4,374 |
| Net charge-offs to loans | 0.0355% | 5,148 |
| Credit loss provision to net charge-offs | 133.3333% | 2,164 |
| Earnings coverage of net charge-offs (x) | 73.8481% | 561 |
| Efficiency ratio | 68.2007% | 4,018 |
| Assets per employee ($millions) | 3.5540% | 4,840 |
| Cash dividends to net income (ytd only)* | 65.7027% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 5,251 |
| Loan loss allowance to noncurrent loans | 139.5177% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.7640% | 4,793 |
| Noncurrent loans to loans | 0.8649% | 4,690 |
| Net loans and leases to total assets | 55.3488% | 4,545 |
| Net loans and leases to deposits | 65.7423% | 4,498 |
| Net loans and leases to core deposits | 77.8750% | 3,477 |
| Total domestic deposits to total assets | 84.1905% | 4,130 |
| Equity capital to assets | 10.1426% | 4,289 |
| Core capital (leverage) ratio | 10.0439% | 3,483 |
| Tier 1 risk-based capital ratio | 16.6701% | 2,913 |
| Total risk-based capital ratio | 17.8495% | 2,912 |
| Memoranda: | ||
| Average total assets | $403,480,250 | 1,637 |
| Average earning assets | $361,080,750 | 1,673 |
| Average equity | $41,350,000 | 1,699 |
| Average total loans | $225,078,500 | 1,823 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3793% | 4,263 |
| Cost of funding earning assets | 0.3928% | 6,313 |
| Net interest margin | 3.9865% | 2,565 |
| Noninterest income to average assets | 1.0392% | 1,353 |
| Noninterest expense to average assets | 3.1940% | 2,609 |
| Loan and lease loss provision to assets | 0.0131% | 5,501 |
| Net operating income to assets | 1.0245% | 2,363 |
| Return on assets (ROA) | 1.0422% | 2,514 |
| Pretax return on assets | 1.4461% | 2,024 |
| Return on Equity (ROE) | 10.1331% | 2,303 |
| Retained earnings to average equity (ytd only) | 2.9447% | 4,676 |
| Net charge-offs to loans | 0.0505% | 4,694 |
| Credit loss provision to net charge-offs | 46.4286% | 4,120 |
| Earnings coverage of net charge-offs (x) | 50.8036% | 722 |
| Efficiency ratio | 69.0461% | 3,931 |
| Assets per employee ($millions) | 3.2423% | 5,573 |
| Cash dividends to net income (ytd only)* | 70.9398% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 5,166 |
| Loan loss allowance to noncurrent loans | 142.0918% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.7866% | 4,822 |
| Noncurrent loans to loans | 0.8716% | 4,754 |
| Net loans and leases to total assets | 55.6854% | 4,517 |
| Net loans and leases to deposits | 65.5660% | 4,560 |
| Net loans and leases to core deposits | 78.0699% | 3,503 |
| Total domestic deposits to total assets | 84.9302% | 3,891 |
| Equity capital to assets | 10.3768% | 3,839 |
| Core capital (leverage) ratio | 10.0166% | 3,405 |
| Tier 1 risk-based capital ratio | 16.9050% | 2,714 |
| Total risk-based capital ratio | 18.0975% | 2,695 |
| Memoranda: | ||
| Average total assets | $398,184,330 | 1,664 |
| Average earning assets | $357,960,670 | 1,689 |
| Average equity | $40,955,000 | 1,707 |
| Average total loans | $221,788,000 | 1,832 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4163% | 4,262 |
| Cost of funding earning assets | 0.4036% | 6,390 |
| Net interest margin | 4.0127% | 2,452 |
| Noninterest income to average assets | 1.0767% | 1,243 |
| Noninterest expense to average assets | 3.2121% | 2,562 |
| Loan and lease loss provision to assets | 0.0080% | 5,183 |
| Net operating income to assets | 1.0275% | 2,373 |
| Return on assets (ROA) | 0.9993% | 2,674 |
| Pretax return on assets | 1.3964% | 2,203 |
| Return on Equity (ROE) | 9.7592% | 2,489 |
| Retained earnings to average equity (ytd only) | 3.5149% | 4,473 |
| Net charge-offs to loans | 0.1053% | 3,497 |
| Credit loss provision to net charge-offs | 13.7931% | 3,856 |
| Earnings coverage of net charge-offs (x) | 24.5690% | 1,052 |
| Efficiency ratio | 69.1126% | 3,961 |
| Assets per employee ($millions) | 3.3755% | 5,394 |
| Cash dividends to net income (ytd only)* | 63.9839% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 5,191 |
| Loan loss allowance to noncurrent loans | 129.6296% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.8209% | 4,890 |
| Noncurrent loans to loans | 0.9744% | 4,732 |
| Net loans and leases to total assets | 53.3610% | 4,827 |
| Net loans and leases to deposits | 63.0986% | 4,755 |
| Net loans and leases to core deposits | 74.1438% | 3,885 |
| Total domestic deposits to total assets | 84.5677% | 4,244 |
| Equity capital to assets | 10.0782% | 4,030 |
| Core capital (leverage) ratio | 10.1900% | 3,120 |
| Tier 1 risk-based capital ratio | 17.1620% | 2,617 |
| Total risk-based capital ratio | 18.3741% | 2,598 |
| Memoranda: | ||
| Average total assets | $397,874,000 | 1,671 |
| Average earning assets | $353,780,500 | 1,714 |
| Average equity | $40,741,000 | 1,707 |
| Average total loans | $220,251,500 | 1,858 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 4,063 |
| Cost of funding earning assets | 0.5033% | 6,516 |
| Net interest margin | 4.2396% | 1,926 |
| Noninterest income to average assets | 1.1418% | 1,005 |
| Noninterest expense to average assets | 3.3108% | 2,491 |
| Loan and lease loss provision to assets | 0.1559% | 4,681 |
| Net operating income to assets | 1.0953% | 1,850 |
| Return on assets (ROA) | 1.1530% | 1,769 |
| Pretax return on assets | 1.5904% | 1,227 |
| Return on Equity (ROE) | 11.3578% | 1,600 |
| Retained earnings to average equity (ytd only) | 6.8827% | 1,562 |
| Net charge-offs to loans | 0.1025% | 5,331 |
| Credit loss provision to net charge-offs | 267.4312% | 896 |
| Earnings coverage of net charge-offs (x) | 28.5550% | 872 |
| Efficiency ratio | 66.5072% | 4,657 |
| Assets per employee ($millions) | 3.3110% | 5,484 |
| Cash dividends to net income (ytd only)* | 39.4017% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 5,061 |
| Loan loss allowance to noncurrent loans | 123.7363% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.8662% | 4,893 |
| Noncurrent loans to loans | 1.0266% | 4,657 |
| Net loans and leases to total assets | 55.9983% | 4,710 |
| Net loans and leases to deposits | 69.5781% | 4,177 |
| Net loans and leases to core deposits | 81.1043% | 3,307 |
| Total domestic deposits to total assets | 80.4827% | 5,599 |
| Equity capital to assets | 10.4071% | 3,645 |
| Core capital (leverage) ratio | 10.1474% | 3,170 |
| Tier 1 risk-based capital ratio | 16.7065% | 2,731 |
| Total risk-based capital ratio | 17.9217% | 2,704 |
| Memoranda: | ||
| Average total assets | $373,982,800 | 1,739 |
| Average earning assets | $338,170,800 | 1,756 |
| Average equity | $37,965,000 | 1,776 |
| Average total loans | $212,763,200 | 1,934 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7899% | 4,062 |
| Cost of funding earning assets | 0.5218% | 6,617 |
| Net interest margin | 4.2681% | 1,835 |
| Noninterest income to average assets | 1.1271% | 1,036 |
| Noninterest expense to average assets | 3.3721% | 2,273 |
| Loan and lease loss provision to assets | 0.1082% | 5,086 |
| Net operating income to assets | 1.0809% | 2,041 |
| Return on assets (ROA) | 1.1303% | 1,997 |
| Pretax return on assets | 1.5799% | 1,436 |
| Return on Equity (ROE) | 11.2088% | 1,788 |
| Retained earnings to average equity (ytd only) | 6.6931% | 2,138 |
| Net charge-offs to loans | 0.0697% | 5,263 |
| Credit loss provision to net charge-offs | 272.7273% | 1,049 |
| Earnings coverage of net charge-offs (x) | 40.7372% | 763 |
| Efficiency ratio | 67.5726% | 4,404 |
| Assets per employee ($millions) | 3.2243% | 5,624 |
| Cash dividends to net income (ytd only)* | 40.2871% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 5,372 |
| Loan loss allowance to noncurrent loans | 151.0297% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.7490% | 5,287 |
| Noncurrent loans to loans | 0.8111% | 5,245 |
| Net loans and leases to total assets | 55.4803% | 4,922 |
| Net loans and leases to deposits | 68.0167% | 4,603 |
| Net loans and leases to core deposits | 80.6578% | 3,540 |
| Total domestic deposits to total assets | 81.5687% | 5,230 |
| Equity capital to assets | 10.4621% | 3,756 |
| Core capital (leverage) ratio | 10.0433% | 3,377 |
| Tier 1 risk-based capital ratio | 16.9181% | 2,670 |
| Total risk-based capital ratio | 18.0989% | 2,672 |
| Memoranda: | ||
| Average total assets | $369,805,000 | 1,765 |
| Average earning assets | $334,502,250 | 1,782 |
| Average equity | $37,291,250 | 1,809 |
| Average total loans | $210,554,750 | 1,968 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8039% | 4,089 |
| Cost of funding earning assets | 0.5370% | 6,717 |
| Net interest margin | 4.2669% | 1,780 |
| Noninterest income to average assets | 1.1145% | 1,047 |
| Noninterest expense to average assets | 3.4422% | 2,147 |
| Loan and lease loss provision to assets | 0.0942% | 5,152 |
| Net operating income to assets | 1.0389% | 2,072 |
| Return on assets (ROA) | 1.1151% | 1,915 |
| Pretax return on assets | 1.5395% | 1,405 |
| Return on Equity (ROE) | 11.2050% | 1,725 |
| Retained earnings to average equity (ytd only) | 6.6041% | 2,079 |
| Net charge-offs to loans | 0.0785% | 4,856 |
| Credit loss provision to net charge-offs | 209.7561% | 1,436 |
| Earnings coverage of net charge-offs (x) | 33.9268% | 847 |
| Efficiency ratio | 69.2732% | 4,269 |
| Assets per employee ($millions) | 3.0873% | 5,906 |
| Cash dividends to net income (ytd only)* | 41.0609% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 5,539 |
| Loan loss allowance to noncurrent loans | 158.3541% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.7347% | 5,439 |
| Noncurrent loans to loans | 0.7587% | 5,392 |
| Net loans and leases to total assets | 55.0024% | 5,146 |
| Net loans and leases to deposits | 67.3522% | 4,805 |
| Net loans and leases to core deposits | 78.9390% | 3,937 |
| Total domestic deposits to total assets | 81.6638% | 5,287 |
| Equity capital to assets | 9.9340% | 4,240 |
| Core capital (leverage) ratio | 9.9644% | 3,306 |
| Tier 1 risk-based capital ratio | 16.4337% | 2,777 |
| Total risk-based capital ratio | 17.5595% | 2,800 |
| Memoranda: | ||
| Average total assets | $365,177,000 | 1,792 |
| Average earning assets | $329,607,330 | 1,811 |
| Average equity | $36,341,000 | 1,842 |
| Average total loans | $208,902,330 | 2,009 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8860% | 3,658 |
| Cost of funding earning assets | 0.5631% | 6,752 |
| Net interest margin | 4.3229% | 1,497 |
| Noninterest income to average assets | 1.1031% | 1,077 |
| Noninterest expense to average assets | 3.5418% | 1,897 |
| Loan and lease loss provision to assets | 0.0156% | 5,730 |
| Net operating income to assets | 1.0412% | 2,030 |
| Return on assets (ROA) | 1.0785% | 1,966 |
| Pretax return on assets | 1.4764% | 1,513 |
| Return on Equity (ROE) | 10.8275% | 1,797 |
| Retained earnings to average equity (ytd only) | 6.1487% | 2,548 |
| Net charge-offs to loans | 0.0270% | 4,714 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 91.4286% | 347 |
| Efficiency ratio | 71.1845% | 4,014 |
| Assets per employee ($millions) | 3.1805% | 5,760 |
| Cash dividends to net income (ytd only)* | 43.2124% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 5,654 |
| Loan loss allowance to noncurrent loans | 130.8761% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.8271% | 5,252 |
| Noncurrent loans to loans | 0.9143% | 5,209 |
| Net loans and leases to total assets | 53.9059% | 5,318 |
| Net loans and leases to deposits | 64.2378% | 5,222 |
| Net loans and leases to core deposits | 73.7264% | 4,558 |
| Total domestic deposits to total assets | 83.9161% | 4,522 |
| Equity capital to assets | 9.5850% | 4,329 |
| Core capital (leverage) ratio | 10.2539% | 2,860 |
| Tier 1 risk-based capital ratio | 16.4588% | 2,679 |
| Total risk-based capital ratio | 17.5682% | 2,710 |
| Memoranda: | ||
| Average total assets | $357,897,500 | 1,839 |
| Average earning assets | $320,344,000 | 1,875 |
| Average equity | $35,650,000 | 1,862 |
| Average total loans | $207,651,500 | 2,033 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2292% | 3,467 |
| Cost of funding earning assets | 0.7563% | 6,717 |
| Net interest margin | 4.4729% | 1,293 |
| Noninterest income to average assets | 1.2122% | 1,019 |
| Noninterest expense to average assets | 3.6189% | 1,883 |
| Loan and lease loss provision to assets | 0.0470% | 6,694 |
| Net operating income to assets | 1.1094% | 1,681 |
| Return on assets (ROA) | 1.1644% | 1,581 |
| Pretax return on assets | 1.6007% | 1,130 |
| Return on Equity (ROE) | 11.7734% | 1,376 |
| Retained earnings to average equity (ytd only) | 6.5702% | 1,523 |
| Net charge-offs to loans | 0.1196% | 5,691 |
| Credit loss provision to net charge-offs | 66.0000% | 5,955 |
| Earnings coverage of net charge-offs (x) | 22.0560% | 940 |
| Efficiency ratio | 69.7131% | 4,237 |
| Assets per employee ($millions) | 2.7240% | 6,646 |
| Cash dividends to net income (ytd only)* | 44.1946% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 5,671 |
| Loan loss allowance to noncurrent loans | 155.8524% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 5,342 |
| Noncurrent loans to loans | 0.7466% | 5,552 |
| Net loans and leases to total assets | 61.1151% | 4,466 |
| Net loans and leases to deposits | 73.9722% | 4,195 |
| Net loans and leases to core deposits | 81.4087% | 3,993 |
| Total domestic deposits to total assets | 82.6191% | 4,967 |
| Equity capital to assets | 10.3753% | 3,300 |
| Core capital (leverage) ratio | 10.0851% | 2,985 |
| Tier 1 risk-based capital ratio | 16.2272% | 2,647 |
| Total risk-based capital ratio | 17.3400% | 2,667 |
| Memoranda: | ||
| Average total assets | $351,353,200 | 1,864 |
| Average earning assets | $312,322,800 | 1,904 |
| Average equity | $34,747,800 | 1,906 |
| Average total loans | $209,115,600 | 2,081 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2560% | 3,550 |
| Cost of funding earning assets | 0.7854% | 6,810 |
| Net interest margin | 4.4705% | 1,324 |
| Noninterest income to average assets | 1.1888% | 991 |
| Noninterest expense to average assets | 3.5646% | 1,867 |
| Loan and lease loss provision to assets | 0.0173% | 6,877 |
| Net operating income to assets | 1.1265% | 1,802 |
| Return on assets (ROA) | 1.1410% | 1,871 |
| Pretax return on assets | 1.5722% | 1,413 |
| Return on Equity (ROE) | 11.6751% | 1,597 |
| Retained earnings to average equity (ytd only) | 7.0898% | 1,798 |
| Net charge-offs to loans | 0.1092% | 5,442 |
| Credit loss provision to net charge-offs | 26.9006% | 6,184 |
| Earnings coverage of net charge-offs (x) | 24.3162% | 1,034 |
| Efficiency ratio | 69.4436% | 4,183 |
| Assets per employee ($millions) | 2.8939% | 6,386 |
| Cash dividends to net income (ytd only)* | 39.2740% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 5,590 |
| Loan loss allowance to noncurrent loans | 131.4068% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.8190% | 5,456 |
| Noncurrent loans to loans | 0.8982% | 5,448 |
| Net loans and leases to total assets | 54.9006% | 5,721 |
| Net loans and leases to deposits | 64.9019% | 5,801 |
| Net loans and leases to core deposits | 73.0149% | 5,406 |
| Total domestic deposits to total assets | 84.5901% | 3,832 |
| Equity capital to assets | 9.8487% | 4,351 |
| Core capital (leverage) ratio | 9.9080% | 3,347 |
| Tier 1 risk-based capital ratio | 16.2733% | 2,645 |
| Total risk-based capital ratio | 17.3904% | 2,648 |
| Memoranda: | ||
| Average total assets | $354,066,500 | 1,872 |
| Average earning assets | $312,170,500 | 1,932 |
| Average equity | $34,602,750 | 1,939 |
| Average total loans | $208,757,750 | 2,111 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3191% | 3,374 |
| Cost of funding earning assets | 0.8033% | 6,909 |
| Net interest margin | 4.5158% | 1,172 |
| Noninterest income to average assets | 1.1963% | 903 |
| Noninterest expense to average assets | 3.6490% | 1,668 |
| Loan and lease loss provision to assets | 0.0446% | 6,529 |
| Net operating income to assets | 1.0972% | 1,864 |
| Return on assets (ROA) | 1.1151% | 1,869 |
| Pretax return on assets | 1.5338% | 1,467 |
| Return on Equity (ROE) | 11.4407% | 1,611 |
| Retained earnings to average equity (ytd only) | 6.8151% | 1,918 |
| Net charge-offs to loans | 0.0171% | 6,101 |
| Credit loss provision to net charge-offs | 433.3333% | 835 |
| Earnings coverage of net charge-offs (x) | 150.3333% | 230 |
| Efficiency ratio | 70.1673% | 4,160 |
| Assets per employee ($millions) | 2.8144% | 6,543 |
| Cash dividends to net income (ytd only)* | 40.4310% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 5,233 |
| Loan loss allowance to noncurrent loans | 116.5245% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.9499% | 5,235 |
| Noncurrent loans to loans | 1.0646% | 5,186 |
| Net loans and leases to total assets | 57.3479% | 5,512 |
| Net loans and leases to deposits | 69.4782% | 5,354 |
| Net loans and leases to core deposits | 76.2005% | 5,171 |
| Total domestic deposits to total assets | 82.5409% | 4,767 |
| Equity capital to assets | 9.7519% | 4,336 |
| Core capital (leverage) ratio | 9.7753% | 3,437 |
| Tier 1 risk-based capital ratio | 15.7233% | 2,795 |
| Total risk-based capital ratio | 16.9108% | 2,783 |
| Memoranda: | ||
| Average total assets | $349,578,670 | 1,913 |
| Average earning assets | $309,712,670 | 1,962 |
| Average equity | $34,071,330 | 1,959 |
| Average total loans | $210,281,670 | 2,122 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4188% | 2,949 |
| Cost of funding earning assets | 0.7985% | 7,094 |
| Net interest margin | 4.6203% | 912 |
| Noninterest income to average assets | 1.2038% | 837 |
| Noninterest expense to average assets | 3.7264% | 1,462 |
| Loan and lease loss provision to assets | 0.0290% | 6,387 |
| Net operating income to assets | 1.1376% | 1,716 |
| Return on assets (ROA) | 1.1050% | 1,897 |
| Pretax return on assets | 1.5303% | 1,441 |
| Return on Equity (ROE) | 11.3412% | 1,685 |
| Retained earnings to average equity (ytd only) | 6.7379% | 2,245 |
| Net charge-offs to loans | 0.0474% | 4,927 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 54.8000% | 531 |
| Efficiency ratio | 70.0240% | 4,293 |
| Assets per employee ($millions) | 2.8221% | 6,588 |
| Cash dividends to net income (ytd only)* | 40.5889% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 5,476 |
| Loan loss allowance to noncurrent loans | 145.9413% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.7384% | 5,681 |
| Noncurrent loans to loans | 0.8257% | 5,660 |
| Net loans and leases to total assets | 59.3888% | 5,225 |
| Net loans and leases to deposits | 73.5600% | 4,817 |
| Net loans and leases to core deposits | 78.9418% | 4,902 |
| Total domestic deposits to total assets | 80.7351% | 5,542 |
| Equity capital to assets | 9.6821% | 4,257 |
| Core capital (leverage) ratio | 9.7641% | 3,437 |
| Tier 1 risk-based capital ratio | 15.5041% | 2,868 |
| Total risk-based capital ratio | 16.6707% | 2,856 |
| Memoranda: | ||
| Average total assets | $344,244,500 | 1,993 |
| Average earning assets | $306,560,000 | 2,036 |
| Average equity | $33,541,500 | 2,006 |
| Average total loans | $210,828,000 | 2,173 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5909% | 3,656 |
| Cost of funding earning assets | 0.9324% | 7,339 |
| Net interest margin | 4.6585% | 891 |
| Noninterest income to average assets | 1.2322% | 997 |
| Noninterest expense to average assets | 3.6754% | 1,968 |
| Loan and lease loss provision to assets | 0.1518% | 6,148 |
| Net operating income to assets | 1.1812% | 1,297 |
| Return on assets (ROA) | 1.2006% | 1,293 |
| Pretax return on assets | 1.6438% | 877 |
| Return on Equity (ROE) | 13.3992% | 888 |
| Retained earnings to average equity (ytd only) | 7.5738% | 811 |
| Net charge-offs to loans | 0.1899% | 5,464 |
| Credit loss provision to net charge-offs | 134.3511% | 3,703 |
| Earnings coverage of net charge-offs (x) | 15.6336% | 1,296 |
| Efficiency ratio | 67.5189% | 5,092 |
| Assets per employee ($millions) | 2.6657% | 6,919 |
| Cash dividends to net income (ytd only)* | 43.4762% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 5,359 |
| Loan loss allowance to noncurrent loans | 147.8134% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 5,676 |
| Noncurrent loans to loans | 0.8117% | 5,663 |
| Net loans and leases to total assets | 61.6634% | 5,067 |
| Net loans and leases to deposits | 77.7553% | 4,429 |
| Net loans and leases to core deposits | 90.4110% | 5,078 |
| Total domestic deposits to total assets | 79.3044% | 5,899 |
| Equity capital to assets | 9.8069% | 3,995 |
| Core capital (leverage) ratio | 9.6094% | 3,586 |
| Tier 1 risk-based capital ratio | 15.1590% | 2,863 |
| Total risk-based capital ratio | 16.3216% | 2,856 |
| Memoranda: | ||
| Average total assets | $347,910,800 | 1,960 |
| Average earning assets | $314,349,400 | 1,983 |
| Average equity | $31,173,400 | 2,154 |
| Average total loans | $206,915,600 | 2,234 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5818% | 3,961 |
| Cost of funding earning assets | 0.9693% | 7,448 |
| Net interest margin | 4.6125% | 974 |
| Noninterest income to average assets | 1.2223% | 1,028 |
| Noninterest expense to average assets | 3.7035% | 1,811 |
| Loan and lease loss provision to assets | 0.1252% | 6,100 |
| Net operating income to assets | 1.1334% | 1,625 |
| Return on assets (ROA) | 1.1508% | 1,652 |
| Pretax return on assets | 1.5786% | 1,219 |
| Return on Equity (ROE) | 13.1432% | 1,089 |
| Retained earnings to average equity (ytd only) | 7.7955% | 1,201 |
| Net charge-offs to loans | 0.1807% | 4,939 |
| Credit loss provision to net charge-offs | 117.9211% | 4,309 |
| Earnings coverage of net charge-offs (x) | 15.7814% | 1,517 |
| Efficiency ratio | 68.8155% | 4,822 |
| Assets per employee ($millions) | 2.8387% | 6,562 |
| Cash dividends to net income (ytd only)* | 40.6880% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 5,280 |
| Loan loss allowance to noncurrent loans | 102.3392% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.9686% | 5,123 |
| Noncurrent loans to loans | 1.1460% | 5,030 |
| Net loans and leases to total assets | 58.1829% | 5,861 |
| Net loans and leases to deposits | 70.4376% | 5,857 |
| Net loans and leases to core deposits | 84.3801% | 6,013 |
| Total domestic deposits to total assets | 82.6020% | 4,396 |
| Equity capital to assets | 9.3066% | 5,028 |
| Core capital (leverage) ratio | 9.3806% | 4,075 |
| Tier 1 risk-based capital ratio | 14.9983% | 3,042 |
| Total risk-based capital ratio | 16.1319% | 3,037 |
| Memoranda: | ||
| Average total assets | $350,252,000 | 1,949 |
| Average earning assets | $315,683,250 | 1,997 |
| Average equity | $30,666,500 | 2,208 |
| Average total loans | $205,821,000 | 2,267 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5937% | 4,107 |
| Cost of funding earning assets | 1.0200% | 7,509 |
| Net interest margin | 4.5737% | 1,007 |
| Noninterest income to average assets | 1.2182% | 1,045 |
| Noninterest expense to average assets | 3.7927% | 1,669 |
| Loan and lease loss provision to assets | 0.1210% | 5,909 |
| Net operating income to assets | 1.0839% | 1,829 |
| Return on assets (ROA) | 1.0679% | 1,955 |
| Pretax return on assets | 1.4441% | 1,606 |
| Return on Equity (ROE) | 12.4628% | 1,295 |
| Retained earnings to average equity (ytd only) | 6.7468% | 1,683 |
| Net charge-offs to loans | 0.1670% | 4,553 |
| Credit loss provision to net charge-offs | 123.3918% | 3,768 |
| Earnings coverage of net charge-offs (x) | 16.1228% | 1,548 |
| Efficiency ratio | 70.5550% | 4,668 |
| Assets per employee ($millions) | 2.7829% | 6,670 |
| Cash dividends to net income (ytd only)* | 45.8647% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 5,176 |
| Loan loss allowance to noncurrent loans | 100.7848% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 1.1363% | 4,676 |
| Noncurrent loans to loans | 1.1545% | 4,907 |
| Net loans and leases to total assets | 58.6416% | 5,884 |
| Net loans and leases to deposits | 69.4817% | 6,047 |
| Net loans and leases to core deposits | 82.9536% | 6,163 |
| Total domestic deposits to total assets | 84.3986% | 3,560 |
| Equity capital to assets | 8.7757% | 5,636 |
| Core capital (leverage) ratio | 8.8298% | 4,898 |
| Tier 1 risk-based capital ratio | 14.4394% | 3,285 |
| Total risk-based capital ratio | 15.5574% | 3,284 |
| Memoranda: | ||
| Average total assets | $348,725,000 | 1,984 |
| Average earning assets | $316,854,670 | 2,010 |
| Average equity | $29,881,000 | 2,271 |
| Average total loans | $204,794,000 | 2,298 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6210% | 4,233 |
| Cost of funding earning assets | 1.0733% | 7,556 |
| Net interest margin | 4.5477% | 1,041 |
| Noninterest income to average assets | 1.1491% | 1,117 |
| Noninterest expense to average assets | 3.7636% | 1,541 |
| Loan and lease loss provision to assets | 0.0785% | 5,968 |
| Net operating income to assets | 1.0705% | 2,064 |
| Return on assets (ROA) | 1.0382% | 2,300 |
| Pretax return on assets | 1.4193% | 1,913 |
| Return on Equity (ROE) | 12.2674% | 1,584 |
| Retained earnings to average equity (ytd only) | 5.7448% | 2,756 |
| Net charge-offs to loans | 0.1344% | 3,885 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 19.4853% | 1,421 |
| Efficiency ratio | 71.0733% | 4,355 |
| Assets per employee ($millions) | 2.7888% | 6,678 |
| Cash dividends to net income (ytd only)* | 53.1702% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 5,015 |
| Loan loss allowance to noncurrent loans | 113.5826% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 1.0626% | 4,565 |
| Noncurrent loans to loans | 1.0257% | 4,941 |
| Net loans and leases to total assets | 57.0370% | 6,094 |
| Net loans and leases to deposits | 67.4267% | 6,230 |
| Net loans and leases to core deposits | 81.3723% | 6,278 |
| Total domestic deposits to total assets | 84.5911% | 3,420 |
| Equity capital to assets | 8.5674% | 5,963 |
| Core capital (leverage) ratio | 8.8937% | 4,867 |
| Tier 1 risk-based capital ratio | 14.4067% | 3,360 |
| Total risk-based capital ratio | 15.5263% | 3,371 |
| Memoranda: | ||
| Average total assets | $346,372,500 | 2,003 |
| Average earning assets | $315,674,000 | 2,023 |
| Average equity | $29,313,500 | 2,326 |
| Average total loans | $202,342,500 | 2,340 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0704% | 5,202 |
| Cost of funding earning assets | 1.5010% | 7,610 |
| Net interest margin | 4.5694% | 1,254 |
| Noninterest income to average assets | 1.3423% | 799 |
| Noninterest expense to average assets | 3.5878% | 2,181 |
| Loan and lease loss provision to assets | 0.2065% | 4,827 |
| Net operating income to assets | 1.2244% | 1,704 |
| Return on assets (ROA) | 1.2266% | 1,637 |
| Pretax return on assets | 1.7039% | 1,136 |
| Return on Equity (ROE) | 15.1595% | 900 |
| Retained earnings to average equity (ytd only) | 8.2026% | 781 |
| Net charge-offs to loans | 0.2906% | 3,461 |
| Credit loss provision to net charge-offs | 119.2982% | 4,512 |
| Earnings coverage of net charge-offs (x) | 11.0211% | 2,423 |
| Efficiency ratio | 65.2798% | 5,258 |
| Assets per employee ($millions) | 2.6439% | 6,905 |
| Cash dividends to net income (ytd only)* | 45.8911% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 4,469 |
| Loan loss allowance to noncurrent loans | 113.2610% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 1.2187% | 3,801 |
| Noncurrent loans to loans | 1.0665% | 4,438 |
| Net loans and leases to total assets | 58.4558% | 6,134 |
| Net loans and leases to deposits | 70.3745% | 6,236 |
| Net loans and leases to core deposits | 84.5153% | 6,253 |
| Total domestic deposits to total assets | 83.0640% | 3,740 |
| Equity capital to assets | 8.3520% | 6,340 |
| Core capital (leverage) ratio | 8.5263% | 5,527 |
| Tier 1 risk-based capital ratio | 13.8137% | 3,641 |
| Total risk-based capital ratio | 14.9701% | 3,605 |
| Memoranda: | ||
| Average total assets | $329,367,000 | 2,028 |
| Average earning assets | $299,340,000 | 2,043 |
| Average equity | $26,650,000 | 2,505 |
| Average total loans | $196,119,000 | 2,339 |