Home > Swineford National Bank > Performance and Condition Ratios
Swineford National Bank, Performance and Condition Ratios
| 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 | 3.6061% | 4,793 |
| Cost of funding earning assets | 0.3284% | 4,317 |
| Net interest margin | 3.2777% | 4,342 |
| Noninterest income to average assets | 1.0925% | 788 |
| Noninterest expense to average assets | 3.3110% | 1,279 |
| Loan and lease loss provision to assets | -0.0115% | 5,220 |
| Net operating income to assets | 0.8012% | 3,893 |
| Return on assets (ROA) | 0.7950% | 3,930 |
| Pretax return on assets | 0.8955% | 4,035 |
| Return on Equity (ROE) | 7.7311% | 3,651 |
| Retained earnings to average equity (ytd only) | 5.7272% | 2,808 |
| Net charge-offs to loans | 0.0263% | 2,585 |
| Credit loss provision to net charge-offs | -73.6842% | 4,200 |
| Earnings coverage of net charge-offs (x) | 56.8895% | 1,088 |
| Efficiency ratio | 78.7956% | 1,046 |
| Assets per employee ($millions) | 7.9078% | 672 |
| Cash dividends to net income (ytd only)* | 25.9201% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6438% | 4,979 |
| Loan loss allowance to noncurrent loans | 225.0000% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 3,969 |
| Noncurrent loans to loans | 0.2861% | 3,659 |
| Net loans and leases to total assets | 57.8358% | 4,060 |
| Net loans and leases to deposits | 66.6946% | 4,151 |
| Net loans and leases to core deposits | 68.6163% | 4,271 |
| Total domestic deposits to total assets | 86.7173% | 1,862 |
| Equity capital to assets | 10.2422% | 3,408 |
| Core capital (leverage) ratio | 10.5490% | 3,040 |
| Tier 1 risk-based capital ratio | 16.3484% | 2,317 |
| Total risk-based capital ratio | 16.9406% | 2,507 |
| Memoranda: | ||
| Average total assets | $323,522,500 | 2,038 |
| Average earning assets | $306,914,000 | 1,999 |
| Average equity | $33,267,250 | 2,147 |
| Average total loans | $193,011,000 | 2,235 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5526% | 4,846 |
| Cost of funding earning assets | 0.3109% | 4,344 |
| Net interest margin | 3.2417% | 4,405 |
| Noninterest income to average assets | 1.0752% | 830 |
| Noninterest expense to average assets | 3.3462% | 1,221 |
| Loan and lease loss provision to assets | 0.0124% | 3,612 |
| Net operating income to assets | 0.6884% | 4,227 |
| Return on assets (ROA) | 0.6793% | 4,257 |
| Pretax return on assets | 0.7832% | 4,298 |
| Return on Equity (ROE) | 6.5971% | 4,026 |
| Retained earnings to average equity (ytd only) | 6.5971% | 2,261 |
| Net charge-offs to loans | 0.0658% | 1,683 |
| Credit loss provision to net charge-offs | 31.2500% | 2,620 |
| Earnings coverage of net charge-offs (x) | 20.3594% | 1,815 |
| Efficiency ratio | 80.5870% | 953 |
| Assets per employee ($millions) | 7.9689% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6563% | 5,019 |
| Loan loss allowance to noncurrent loans | 159.9483% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 3,702 |
| Noncurrent loans to loans | 0.4103% | 3,227 |
| Net loans and leases to total assets | 57.3597% | 4,052 |
| Net loans and leases to deposits | 65.5198% | 4,190 |
| Net loans and leases to core deposits | 67.3946% | 4,286 |
| Total domestic deposits to total assets | 87.5455% | 1,619 |
| Equity capital to assets | 10.1978% | 3,439 |
| Core capital (leverage) ratio | 10.7068% | 2,800 |
| Tier 1 risk-based capital ratio | 16.1819% | 2,377 |
| Total risk-based capital ratio | 16.7824% | 2,565 |
| Memoranda: | ||
| Average total assets | $323,290,670 | 2,048 |
| Average earning assets | $306,873,330 | 2,009 |
| Average equity | $33,287,330 | 2,154 |
| Average total loans | $194,438,330 | 2,233 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5156% | 4,853 |
| Cost of funding earning assets | 0.3079% | 4,291 |
| Net interest margin | 3.2077% | 4,437 |
| Noninterest income to average assets | 1.0747% | 798 |
| Noninterest expense to average assets | 3.4580% | 1,070 |
| Loan and lease loss provision to assets | 0.2587% | 560 |
| Net operating income to assets | 0.3781% | 4,969 |
| Return on assets (ROA) | 0.3781% | 4,973 |
| Pretax return on assets | 0.4030% | 5,035 |
| Return on Equity (ROE) | 3.6548% | 4,856 |
| Retained earnings to average equity (ytd only) | 3.6548% | 3,737 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9372% | 801 |
| Assets per employee ($millions) | 7.6884% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7620% | 4,884 |
| Loan loss allowance to noncurrent loans | 119.2154% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 3,113 |
| Noncurrent loans to loans | 0.6392% | 2,626 |
| Net loans and leases to total assets | 61.5159% | 3,607 |
| Net loans and leases to deposits | 69.9946% | 3,784 |
| Net loans and leases to core deposits | 72.1113% | 3,945 |
| Total domestic deposits to total assets | 87.8867% | 1,686 |
| Equity capital to assets | 10.4278% | 3,145 |
| Core capital (leverage) ratio | 10.4130% | 3,050 |
| Tier 1 risk-based capital ratio | 15.5267% | 2,655 |
| Total risk-based capital ratio | 16.2383% | 2,804 |
| Memoranda: | ||
| Average total assets | $321,573,000 | 2,068 |
| Average earning assets | $305,265,000 | 2,023 |
| Average equity | $33,271,500 | 2,172 |
| Average total loans | $197,334,000 | 2,211 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4216% | 4,913 |
| Cost of funding earning assets | 0.2777% | 4,339 |
| Net interest margin | 3.1439% | 4,591 |
| Noninterest income to average assets | 1.0893% | 855 |
| Noninterest expense to average assets | 3.3076% | 1,365 |
| Loan and lease loss provision to assets | -0.1709% | 5,559 |
| Net operating income to assets | 0.6691% | 3,732 |
| Return on assets (ROA) | 0.6504% | 3,856 |
| Pretax return on assets | 0.9041% | 3,911 |
| Return on Equity (ROE) | 6.0246% | 3,751 |
| Retained earnings to average equity (ytd only) | -1.2096% | 5,203 |
| Net charge-offs to loans | 0.0290% | 3,227 |
| Credit loss provision to net charge-offs | -927.1186% | 5,054 |
| Earnings coverage of net charge-offs (x) | 41.1864% | 1,243 |
| Efficiency ratio | 81.3335% | 978 |
| Assets per employee ($millions) | 7.4528% | 784 |
| Cash dividends to net income (ytd only)* | 120.0768% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6424% | 5,170 |
| Loan loss allowance to noncurrent loans | 119.6262% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 3,399 |
| Noncurrent loans to loans | 0.5370% | 2,890 |
| Net loans and leases to total assets | 60.3759% | 3,794 |
| Net loans and leases to deposits | 69.2101% | 3,933 |
| Net loans and leases to core deposits | 71.4965% | 4,083 |
| Total domestic deposits to total assets | 87.2357% | 1,881 |
| Equity capital to assets | 10.2683% | 3,416 |
| Core capital (leverage) ratio | 10.0396% | 3,405 |
| Tier 1 risk-based capital ratio | 15.3174% | 2,692 |
| Total risk-based capital ratio | 15.9304% | 2,930 |
| Memoranda: | ||
| Average total assets | $320,106,600 | 2,065 |
| Average earning assets | $303,162,400 | 2,027 |
| Average equity | $34,558,200 | 2,107 |
| Average total loans | $203,109,400 | 2,130 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4072% | 4,959 |
| Cost of funding earning assets | 0.2638% | 4,443 |
| Net interest margin | 3.1434% | 4,592 |
| Noninterest income to average assets | 1.0749% | 884 |
| Noninterest expense to average assets | 3.2990% | 1,348 |
| Loan and lease loss provision to assets | -0.2737% | 5,688 |
| Net operating income to assets | 0.7584% | 3,702 |
| Return on assets (ROA) | 0.7594% | 3,754 |
| Pretax return on assets | 1.0267% | 3,579 |
| Return on Equity (ROE) | 6.9464% | 3,689 |
| Retained earnings to average equity (ytd only) | 1.1961% | 4,926 |
| Net charge-offs to loans | 0.0287% | 2,856 |
| Credit loss provision to net charge-offs | -1,484.0909% | 5,014 |
| Earnings coverage of net charge-offs (x) | 40.7694% | 1,279 |
| Efficiency ratio | 81.4401% | 966 |
| Assets per employee ($millions) | 7.1573% | 890 |
| Cash dividends to net income (ytd only)* | 82.7814% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5991% | 5,323 |
| Loan loss allowance to noncurrent loans | 179.3363% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 4,051 |
| Noncurrent loans to loans | 0.3341% | 3,755 |
| Net loans and leases to total assets | 61.2503% | 3,744 |
| Net loans and leases to deposits | 70.9982% | 3,871 |
| Net loans and leases to core deposits | 73.8401% | 3,987 |
| Total domestic deposits to total assets | 86.2702% | 2,195 |
| Equity capital to assets | 10.8147% | 3,049 |
| Core capital (leverage) ratio | 10.5178% | 2,968 |
| Tier 1 risk-based capital ratio | 15.6723% | 2,641 |
| Total risk-based capital ratio | 16.2450% | 2,848 |
| Memoranda: | ||
| Average total assets | $318,152,750 | 2,087 |
| Average earning assets | $301,194,000 | 2,053 |
| Average equity | $34,779,750 | 2,101 |
| Average total loans | $204,070,250 | 2,137 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3628% | 5,013 |
| Cost of funding earning assets | 0.2561% | 4,490 |
| Net interest margin | 3.1067% | 4,661 |
| Noninterest income to average assets | 1.0661% | 885 |
| Noninterest expense to average assets | 3.3171% | 1,340 |
| Loan and lease loss provision to assets | -0.3731% | 5,748 |
| Net operating income to assets | 0.7763% | 3,516 |
| Return on assets (ROA) | 0.7777% | 3,554 |
| Pretax return on assets | 1.0642% | 3,321 |
| Return on Equity (ROE) | 7.0881% | 3,508 |
| Retained earnings to average equity (ytd only) | 4.2115% | 3,202 |
| Net charge-offs to loans | -0.0165% | 4,700 |
| Credit loss provision to net charge-offs | 3,476.4706% | 123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7950% | 938 |
| Assets per employee ($millions) | 7.0496% | 909 |
| Cash dividends to net income (ytd only)* | 40.5844% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6447% | 5,309 |
| Loan loss allowance to noncurrent loans | 63.7688% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 0.7014% | 2,462 |
| Noncurrent loans to loans | 1.0111% | 1,940 |
| Net loans and leases to total assets | 63.7806% | 3,418 |
| Net loans and leases to deposits | 73.9208% | 3,555 |
| Net loans and leases to core deposits | 77.0173% | 3,680 |
| Total domestic deposits to total assets | 86.2823% | 2,252 |
| Equity capital to assets | 11.0947% | 2,710 |
| Core capital (leverage) ratio | 10.8167% | 2,586 |
| Tier 1 risk-based capital ratio | 15.8249% | 2,576 |
| Total risk-based capital ratio | 16.4549% | 2,775 |
| Memoranda: | ||
| Average total assets | $316,843,670 | 2,093 |
| Average earning assets | $299,872,670 | 2,058 |
| Average equity | $34,762,330 | 2,092 |
| Average total loans | $205,939,000 | 2,120 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3468% | 5,035 |
| Cost of funding earning assets | 0.2471% | 4,558 |
| Net interest margin | 3.0998% | 4,650 |
| Noninterest income to average assets | 1.0245% | 956 |
| Noninterest expense to average assets | 3.1947% | 1,623 |
| Loan and lease loss provision to assets | 0.1074% | 1,782 |
| Net operating income to assets | 0.5091% | 4,561 |
| Return on assets (ROA) | 0.5091% | 4,590 |
| Pretax return on assets | 0.6544% | 4,582 |
| Return on Equity (ROE) | 4.6663% | 4,532 |
| Retained earnings to average equity (ytd only) | 4.6663% | 3,079 |
| Net charge-offs to loans | 0.2144% | 826 |
| Credit loss provision to net charge-offs | 76.5766% | 1,778 |
| Earnings coverage of net charge-offs (x) | 5.4324% | 2,293 |
| Efficiency ratio | 80.7471% | 1,287 |
| Assets per employee ($millions) | 7.1665% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8906% | 4,795 |
| Loan loss allowance to noncurrent loans | 37.2573% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 1.6310% | 954 |
| Noncurrent loans to loans | 2.3904% | 679 |
| Net loans and leases to total assets | 65.6776% | 3,025 |
| Net loans and leases to deposits | 75.6698% | 3,234 |
| Net loans and leases to core deposits | 78.9106% | 3,397 |
| Total domestic deposits to total assets | 86.7950% | 2,314 |
| Equity capital to assets | 11.0317% | 2,599 |
| Core capital (leverage) ratio | 10.7422% | 2,647 |
| Tier 1 risk-based capital ratio | 15.2294% | 2,859 |
| Total risk-based capital ratio | 16.0975% | 2,971 |
| Memoranda: | ||
| Average total assets | $316,649,000 | 2,113 |
| Average earning assets | $299,507,000 | 2,072 |
| Average equity | $34,545,500 | 2,108 |
| Average total loans | $207,085,500 | 2,119 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3756% | 5,029 |
| Cost of funding earning assets | 0.3311% | 3,735 |
| Net interest margin | 3.0445% | 4,862 |
| Noninterest income to average assets | 1.1360% | 882 |
| Noninterest expense to average assets | 3.3141% | 1,545 |
| Loan and lease loss provision to assets | -0.0106% | 5,494 |
| Net operating income to assets | 0.5344% | 4,496 |
| Return on assets (ROA) | 0.5547% | 4,522 |
| Pretax return on assets | 0.7473% | 4,355 |
| Return on Equity (ROE) | 4.9134% | 4,474 |
| Retained earnings to average equity (ytd only) | 1.0614% | 4,891 |
| Net charge-offs to loans | 0.0336% | 3,357 |
| Credit loss provision to net charge-offs | -47.8261% | 4,814 |
| Earnings coverage of net charge-offs (x) | 31.9130% | 1,378 |
| Efficiency ratio | 82.3713% | 1,164 |
| Assets per employee ($millions) | 6.1148% | 1,398 |
| Cash dividends to net income (ytd only)* | 78.3972% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 4,701 |
| Loan loss allowance to noncurrent loans | 44.1507% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 1.3951% | 1,226 |
| Noncurrent loans to loans | 2.0827% | 851 |
| Net loans and leases to total assets | 63.9441% | 3,365 |
| Net loans and leases to deposits | 73.7257% | 3,542 |
| Net loans and leases to core deposits | 77.0000% | 3,659 |
| Total domestic deposits to total assets | 86.7324% | 2,272 |
| Equity capital to assets | 10.7888% | 2,828 |
| Core capital (leverage) ratio | 10.4210% | 2,960 |
| Tier 1 risk-based capital ratio | 15.3020% | 2,840 |
| Total risk-based capital ratio | 16.2021% | 2,920 |
| Memoranda: | ||
| Average total assets | $310,463,000 | 2,112 |
| Average earning assets | $294,437,400 | 2,076 |
| Average equity | $35,047,000 | 2,070 |
| Average total loans | $205,565,000 | 2,077 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3799% | 5,063 |
| Cost of funding earning assets | 0.3343% | 3,726 |
| Net interest margin | 3.0456% | 4,910 |
| Noninterest income to average assets | 1.1411% | 883 |
| Noninterest expense to average assets | 3.3230% | 1,513 |
| Loan and lease loss provision to assets | 0.0709% | 2,795 |
| Net operating income to assets | 0.4740% | 4,786 |
| Return on assets (ROA) | 0.4951% | 4,808 |
| Pretax return on assets | 0.6650% | 4,700 |
| Return on Equity (ROE) | 4.3368% | 4,782 |
| Retained earnings to average equity (ytd only) | 1.1202% | 5,052 |
| Net charge-offs to loans | 0.0460% | 2,728 |
| Credit loss provision to net charge-offs | 230.9859% | 1,276 |
| Earnings coverage of net charge-offs (x) | 23.0574% | 1,723 |
| Efficiency ratio | 82.4507% | 1,139 |
| Assets per employee ($millions) | 5.7747% | 1,595 |
| Cash dividends to net income (ytd only)* | 74.1714% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 4,203 |
| Loan loss allowance to noncurrent loans | 46.6622% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 1.4452% | 1,269 |
| Noncurrent loans to loans | 2.2221% | 841 |
| Net loans and leases to total assets | 62.5963% | 3,570 |
| Net loans and leases to deposits | 73.9204% | 3,605 |
| Net loans and leases to core deposits | 77.3403% | 3,718 |
| Total domestic deposits to total assets | 84.6808% | 2,952 |
| Equity capital to assets | 11.1638% | 2,834 |
| Core capital (leverage) ratio | 10.6354% | 2,843 |
| Tier 1 risk-based capital ratio | 15.6046% | 2,792 |
| Total risk-based capital ratio | 16.6187% | 2,815 |
| Memoranda: | ||
| Average total assets | $308,586,250 | 2,122 |
| Average earning assets | $292,742,750 | 2,092 |
| Average equity | $35,232,500 | 2,077 |
| Average total loans | $205,653,750 | 2,083 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4565% | 4,970 |
| Cost of funding earning assets | 0.3354% | 3,742 |
| Net interest margin | 3.1211% | 4,776 |
| Noninterest income to average assets | 1.1473% | 847 |
| Noninterest expense to average assets | 3.3602% | 1,461 |
| Loan and lease loss provision to assets | 0.0792% | 2,555 |
| Net operating income to assets | 0.5004% | 4,676 |
| Return on assets (ROA) | 0.5328% | 4,665 |
| Pretax return on assets | 0.7108% | 4,580 |
| Return on Equity (ROE) | 4.6306% | 4,662 |
| Retained earnings to average equity (ytd only) | 2.6395% | 4,218 |
| Net charge-offs to loans | 0.0415% | 2,632 |
| Credit loss provision to net charge-offs | 281.3953% | 1,010 |
| Earnings coverage of net charge-offs (x) | 26.5349% | 1,486 |
| Efficiency ratio | 81.8167% | 1,289 |
| Assets per employee ($millions) | 5.4468% | 1,847 |
| Cash dividends to net income (ytd only)* | 42.9975% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 4,370 |
| Loan loss allowance to noncurrent loans | 43.6906% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 1.5593% | 1,206 |
| Noncurrent loans to loans | 2.3484% | 768 |
| Net loans and leases to total assets | 65.3693% | 3,171 |
| Net loans and leases to deposits | 77.6512% | 3,186 |
| Net loans and leases to core deposits | 81.2512% | 3,340 |
| Total domestic deposits to total assets | 84.1832% | 3,202 |
| Equity capital to assets | 11.7075% | 2,350 |
| Core capital (leverage) ratio | 10.9417% | 2,498 |
| Tier 1 risk-based capital ratio | 15.9669% | 2,659 |
| Total risk-based capital ratio | 16.9916% | 2,700 |
| Memoranda: | ||
| Average total assets | $305,579,000 | 2,146 |
| Average earning assets | $289,773,670 | 2,115 |
| Average equity | $35,157,670 | 2,083 |
| Average total loans | $207,240,330 | 2,078 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4514% | 5,001 |
| Cost of funding earning assets | 0.3351% | 3,777 |
| Net interest margin | 3.1163% | 4,816 |
| Noninterest income to average assets | 1.1404% | 844 |
| Noninterest expense to average assets | 3.2656% | 1,677 |
| Loan and lease loss provision to assets | 0.1308% | 1,614 |
| Net operating income to assets | 0.5303% | 4,502 |
| Return on assets (ROA) | 0.5532% | 4,505 |
| Pretax return on assets | 0.7297% | 4,419 |
| Return on Equity (ROE) | 4.8507% | 4,557 |
| Retained earnings to average equity (ytd only) | 3.7040% | 3,639 |
| Net charge-offs to loans | 0.0666% | 1,824 |
| Credit loss provision to net charge-offs | 285.7143% | 877 |
| Earnings coverage of net charge-offs (x) | 18.1429% | 1,549 |
| Efficiency ratio | 79.7254% | 1,645 |
| Assets per employee ($millions) | 5.4500% | 1,870 |
| Cash dividends to net income (ytd only)* | 23.6407% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 4,760 |
| Loan loss allowance to noncurrent loans | 36.8148% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 1.8326% | 1,002 |
| Noncurrent loans to loans | 2.6364% | 686 |
| Net loans and leases to total assets | 68.7001% | 2,543 |
| Net loans and leases to deposits | 80.7544% | 2,699 |
| Net loans and leases to core deposits | 84.4380% | 2,894 |
| Total domestic deposits to total assets | 85.0728% | 3,099 |
| Equity capital to assets | 11.5920% | 2,359 |
| Core capital (leverage) ratio | 10.8793% | 2,540 |
| Tier 1 risk-based capital ratio | 14.6581% | 3,306 |
| Total risk-based capital ratio | 15.5917% | 3,400 |
| Memoranda: | ||
| Average total assets | $305,859,500 | 2,150 |
| Average earning assets | $290,083,000 | 2,127 |
| Average equity | $34,881,500 | 2,094 |
| Average total loans | $210,133,000 | 2,053 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4623% | 5,018 |
| Cost of funding earning assets | 0.3319% | 3,886 |
| Net interest margin | 3.1304% | 4,835 |
| Noninterest income to average assets | 1.1499% | 892 |
| Noninterest expense to average assets | 3.4041% | 1,479 |
| Loan and lease loss provision to assets | -0.5996% | 6,143 |
| Net operating income to assets | 0.8664% | 3,040 |
| Return on assets (ROA) | 0.8664% | 3,113 |
| Pretax return on assets | 1.3225% | 2,190 |
| Return on Equity (ROE) | 7.6361% | 3,170 |
| Retained earnings to average equity (ytd only) | 3.0082% | 3,917 |
| Net charge-offs to loans | 0.0661% | 2,912 |
| Credit loss provision to net charge-offs | -1,353.3333% | 5,597 |
| Earnings coverage of net charge-offs (x) | 16.3185% | 2,142 |
| Efficiency ratio | 82.4825% | 1,343 |
| Assets per employee ($millions) | 5.6762% | 1,633 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 4,847 |
| Loan loss allowance to noncurrent loans | 96.6942% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 3,031 |
| Noncurrent loans to loans | 0.9864% | 2,363 |
| Net loans and leases to total assets | 67.3855% | 2,804 |
| Net loans and leases to deposits | 79.8562% | 2,836 |
| Net loans and leases to core deposits | 83.3830% | 3,013 |
| Total domestic deposits to total assets | 84.3836% | 3,338 |
| Equity capital to assets | 11.2176% | 2,624 |
| Core capital (leverage) ratio | 10.7455% | 2,664 |
| Tier 1 risk-based capital ratio | 14.5986% | 3,384 |
| Total risk-based capital ratio | 15.5073% | 3,487 |
| Memoranda: | ||
| Average total assets | $304,718,200 | 2,121 |
| Average earning assets | $289,805,800 | 2,073 |
| Average equity | $34,572,600 | 2,063 |
| Average total loans | $204,118,400 | 2,040 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4688% | 5,051 |
| Cost of funding earning assets | 0.3303% | 3,986 |
| Net interest margin | 3.1386% | 4,849 |
| Noninterest income to average assets | 1.1213% | 958 |
| Noninterest expense to average assets | 3.3908% | 1,492 |
| Loan and lease loss provision to assets | -0.8002% | 6,250 |
| Net operating income to assets | 1.0469% | 2,231 |
| Return on assets (ROA) | 1.0469% | 2,331 |
| Pretax return on assets | 1.5205% | 1,624 |
| Return on Equity (ROE) | 9.2007% | 2,468 |
| Retained earnings to average equity (ytd only) | 4.5791% | 3,216 |
| Net charge-offs to loans | 0.0867% | 2,304 |
| Credit loss provision to net charge-offs | -1,383.3333% | 5,542 |
| Earnings coverage of net charge-offs (x) | 12.4543% | 2,404 |
| Efficiency ratio | 82.4771% | 1,331 |
| Assets per employee ($millions) | 5.6231% | 1,664 |
| Cash dividends to net income (ytd only)* | 50.2303% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 4,791 |
| Loan loss allowance to noncurrent loans | 110.8454% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.5921% | 3,504 |
| Noncurrent loans to loans | 0.8949% | 2,738 |
| Net loans and leases to total assets | 65.5112% | 3,085 |
| Net loans and leases to deposits | 78.8147% | 3,010 |
| Net loans and leases to core deposits | 82.5649% | 3,189 |
| Total domestic deposits to total assets | 83.1205% | 3,769 |
| Equity capital to assets | 11.5022% | 2,507 |
| Core capital (leverage) ratio | 10.8792% | 2,610 |
| Tier 1 risk-based capital ratio | 15.1384% | 3,222 |
| Total risk-based capital ratio | 16.0778% | 3,320 |
| Memoranda: | ||
| Average total assets | $304,268,500 | 2,137 |
| Average earning assets | $289,849,250 | 2,095 |
| Average equity | $34,619,750 | 2,076 |
| Average total loans | $203,013,750 | 2,061 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4934% | 4,999 |
| Cost of funding earning assets | 0.3275% | 4,079 |
| Net interest margin | 3.1659% | 4,766 |
| Noninterest income to average assets | 1.1160% | 971 |
| Noninterest expense to average assets | 3.3086% | 1,677 |
| Loan and lease loss provision to assets | -1.2605% | 6,333 |
| Net operating income to assets | 1.4090% | 1,074 |
| Return on assets (ROA) | 1.4090% | 1,112 |
| Pretax return on assets | 2.0842% | 504 |
| Return on Equity (ROE) | 12.4284% | 1,248 |
| Retained earnings to average equity (ytd only) | 7.7931% | 1,348 |
| Net charge-offs to loans | 0.0422% | 2,853 |
| Credit loss provision to net charge-offs | -4,462.7907% | 5,577 |
| Earnings coverage of net charge-offs (x) | 29.1628% | 1,385 |
| Efficiency ratio | 80.0668% | 1,751 |
| Assets per employee ($millions) | 5.7088% | 1,562 |
| Cash dividends to net income (ytd only)* | 37.2960% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 4,972 |
| Loan loss allowance to noncurrent loans | 108.5699% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.6055% | 3,602 |
| Noncurrent loans to loans | 0.9023% | 2,868 |
| Net loans and leases to total assets | 66.4473% | 2,877 |
| Net loans and leases to deposits | 79.9390% | 2,791 |
| Net loans and leases to core deposits | 84.3192% | 2,951 |
| Total domestic deposits to total assets | 83.1225% | 3,902 |
| Equity capital to assets | 11.5210% | 2,395 |
| Core capital (leverage) ratio | 10.9822% | 2,443 |
| Tier 1 risk-based capital ratio | 15.0537% | 3,330 |
| Total risk-based capital ratio | 15.9783% | 3,441 |
| Memoranda: | ||
| Average total assets | $304,476,000 | 2,153 |
| Average earning assets | $290,088,000 | 2,108 |
| Average equity | $34,517,670 | 2,091 |
| Average total loans | $203,713,330 | 2,055 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4407% | 5,115 |
| Cost of funding earning assets | 0.3272% | 4,134 |
| Net interest margin | 3.1135% | 4,909 |
| Noninterest income to average assets | 1.0281% | 1,059 |
| Noninterest expense to average assets | 3.2544% | 1,831 |
| Loan and lease loss provision to assets | -2.2264% | 6,413 |
| Net operating income to assets | 1.9762% | 353 |
| Return on assets (ROA) | 1.9762% | 372 |
| Pretax return on assets | 2.9663% | 135 |
| Return on Equity (ROE) | 17.5736% | 427 |
| Retained earnings to average equity (ytd only) | 12.9152% | 458 |
| Net charge-offs to loans | -0.0098% | 4,714 |
| Credit loss provision to net charge-offs | 34,000.0000% | 6 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4754% | 1,691 |
| Assets per employee ($millions) | 5.7141% | 1,616 |
| Cash dividends to net income (ytd only)* | 26.5076% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 4,471 |
| Loan loss allowance to noncurrent loans | 104.3478% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.7139% | 3,354 |
| Noncurrent loans to loans | 1.0617% | 2,639 |
| Net loans and leases to total assets | 66.4967% | 2,693 |
| Net loans and leases to deposits | 80.0479% | 2,553 |
| Net loans and leases to core deposits | 84.0152% | 2,771 |
| Total domestic deposits to total assets | 83.0712% | 4,160 |
| Equity capital to assets | 11.5699% | 2,400 |
| Core capital (leverage) ratio | 10.9423% | 2,468 |
| Tier 1 risk-based capital ratio | 15.3730% | 3,213 |
| Total risk-based capital ratio | 16.4395% | 3,244 |
| Memoranda: | ||
| Average total assets | $305,429,500 | 2,164 |
| Average earning assets | $290,991,500 | 2,110 |
| Average equity | $34,347,000 | 2,108 |
| Average total loans | $204,051,000 | 2,058 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7416% | 4,671 |
| Cost of funding earning assets | 0.3169% | 4,612 |
| Net interest margin | 3.4247% | 4,088 |
| Noninterest income to average assets | 1.1503% | 911 |
| Noninterest expense to average assets | 3.2492% | 2,079 |
| Loan and lease loss provision to assets | 0.0003% | 4,600 |
| Net operating income to assets | 0.8010% | 3,364 |
| Return on assets (ROA) | 0.8010% | 3,464 |
| Pretax return on assets | 1.1459% | 2,893 |
| Return on Equity (ROE) | 7.2174% | 3,505 |
| Retained earnings to average equity (ytd only) | 3.5569% | 3,699 |
| Net charge-offs to loans | 0.0558% | 3,716 |
| Credit loss provision to net charge-offs | 0.8696% | 4,199 |
| Earnings coverage of net charge-offs (x) | 29.4435% | 1,359 |
| Efficiency ratio | 73.9217% | 2,853 |
| Assets per employee ($millions) | 5.5003% | 1,771 |
| Cash dividends to net income (ytd only)* | 50.7185% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9324% | 1,234 |
| Loan loss allowance to noncurrent loans | 185.5801% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.6912% | 3,503 |
| Noncurrent loans to loans | 1.0413% | 2,742 |
| Net loans and leases to total assets | 65.0987% | 3,033 |
| Net loans and leases to deposits | 77.9921% | 2,973 |
| Net loans and leases to core deposits | 81.8240% | 3,130 |
| Total domestic deposits to total assets | 83.4683% | 3,923 |
| Equity capital to assets | 10.9265% | 2,977 |
| Core capital (leverage) ratio | 10.6165% | 2,819 |
| Tier 1 risk-based capital ratio | 14.8366% | 3,577 |
| Total risk-based capital ratio | 16.0943% | 3,508 |
| Memoranda: | ||
| Average total assets | $295,398,000 | 2,182 |
| Average earning assets | $279,907,400 | 2,131 |
| Average equity | $32,781,800 | 2,124 |
| Average total loans | $205,993,200 | 1,998 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 4,579 |
| Cost of funding earning assets | 0.3148% | 4,733 |
| Net interest margin | 3.4753% | 3,919 |
| Noninterest income to average assets | 1.1474% | 908 |
| Noninterest expense to average assets | 3.2474% | 2,032 |
| Loan and lease loss provision to assets | 0.0009% | 4,393 |
| Net operating income to assets | 0.8267% | 3,304 |
| Return on assets (ROA) | 0.8267% | 3,393 |
| Pretax return on assets | 1.1880% | 2,832 |
| Return on Equity (ROE) | 7.4192% | 3,487 |
| Retained earnings to average equity (ytd only) | 3.7342% | 3,987 |
| Net charge-offs to loans | 0.0685% | 3,218 |
| Credit loss provision to net charge-offs | 1.8868% | 3,788 |
| Earnings coverage of net charge-offs (x) | 24.5849% | 1,536 |
| Efficiency ratio | 73.2003% | 2,955 |
| Assets per employee ($millions) | 5.1796% | 2,037 |
| Cash dividends to net income (ytd only)* | 49.6689% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9327% | 1,388 |
| Loan loss allowance to noncurrent loans | 146.6494% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.9312% | 3,109 |
| Noncurrent loans to loans | 1.3179% | 2,447 |
| Net loans and leases to total assets | 69.2915% | 2,310 |
| Net loans and leases to deposits | 82.3579% | 2,381 |
| Net loans and leases to core deposits | 86.3955% | 2,625 |
| Total domestic deposits to total assets | 84.1347% | 3,706 |
| Equity capital to assets | 11.4249% | 2,556 |
| Core capital (leverage) ratio | 10.9070% | 2,573 |
| Tier 1 risk-based capital ratio | 14.9410% | 3,624 |
| Total risk-based capital ratio | 16.1988% | 3,543 |
| Memoranda: | ||
| Average total assets | $292,244,000 | 2,214 |
| Average earning assets | $276,574,000 | 2,166 |
| Average equity | $32,563,500 | 2,140 |
| Average total loans | $206,375,500 | 2,013 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7985% | 4,531 |
| Cost of funding earning assets | 0.3114% | 4,861 |
| Net interest margin | 3.4870% | 3,830 |
| Noninterest income to average assets | 1.1551% | 879 |
| Noninterest expense to average assets | 3.1942% | 2,214 |
| Loan and lease loss provision to assets | 0.0014% | 4,185 |
| Net operating income to assets | 0.8704% | 2,953 |
| Return on assets (ROA) | 0.8704% | 3,045 |
| Pretax return on assets | 1.2540% | 2,438 |
| Return on Equity (ROE) | 7.8773% | 3,171 |
| Retained earnings to average equity (ytd only) | 4.1703% | 3,518 |
| Net charge-offs to loans | 0.0706% | 2,998 |
| Credit loss provision to net charge-offs | 2.7397% | 3,382 |
| Earnings coverage of net charge-offs (x) | 25.1918% | 1,405 |
| Efficiency ratio | 71.7858% | 3,383 |
| Assets per employee ($millions) | 5.2084% | 1,958 |
| Cash dividends to net income (ytd only)* | 47.0588% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9439% | 1,474 |
| Loan loss allowance to noncurrent loans | 123.3097% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.1105% | 2,854 |
| Noncurrent loans to loans | 1.5765% | 2,201 |
| Net loans and leases to total assets | 69.0734% | 2,229 |
| Net loans and leases to deposits | 83.1783% | 2,123 |
| Net loans and leases to core deposits | 87.0798% | 2,415 |
| Total domestic deposits to total assets | 83.0425% | 4,289 |
| Equity capital to assets | 11.3391% | 2,568 |
| Core capital (leverage) ratio | 10.8656% | 2,567 |
| Tier 1 risk-based capital ratio | 14.8098% | 3,748 |
| Total risk-based capital ratio | 16.0680% | 3,682 |
| Memoranda: | ||
| Average total assets | $292,972,000 | 2,208 |
| Average earning assets | $276,795,670 | 2,163 |
| Average equity | $32,371,670 | 2,142 |
| Average total loans | $206,851,330 | 2,002 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7632% | 4,623 |
| Cost of funding earning assets | 0.3043% | 5,020 |
| Net interest margin | 3.4588% | 3,865 |
| Noninterest income to average assets | 1.1253% | 881 |
| Noninterest expense to average assets | 3.0761% | 2,598 |
| Loan and lease loss provision to assets | 0.0014% | 3,812 |
| Net operating income to assets | 0.9100% | 2,610 |
| Return on assets (ROA) | 0.9100% | 2,675 |
| Pretax return on assets | 1.3146% | 2,048 |
| Return on Equity (ROE) | 8.3445% | 2,765 |
| Retained earnings to average equity (ytd only) | 4.5970% | 3,361 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0372% | 3,836 |
| Assets per employee ($millions) | 5.1277% | 2,094 |
| Cash dividends to net income (ytd only)* | 44.9102% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9802% | 1,551 |
| Loan loss allowance to noncurrent loans | 239.1765% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.5816% | 4,404 |
| Noncurrent loans to loans | 0.8279% | 3,815 |
| Net loans and leases to total assets | 68.8626% | 2,076 |
| Net loans and leases to deposits | 81.4628% | 2,104 |
| Net loans and leases to core deposits | 85.1735% | 2,401 |
| Total domestic deposits to total assets | 84.5326% | 4,072 |
| Equity capital to assets | 11.0767% | 2,653 |
| Core capital (leverage) ratio | 10.6187% | 2,787 |
| Tier 1 risk-based capital ratio | 14.6563% | 3,918 |
| Total risk-based capital ratio | 15.9147% | 3,863 |
| Memoranda: | ||
| Average total assets | $293,622,500 | 2,211 |
| Average earning assets | $277,320,000 | 2,167 |
| Average equity | $32,021,000 | 2,152 |
| Average total loans | $207,546,500 | 1,992 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9129% | 4,414 |
| Cost of funding earning assets | 0.3438% | 5,204 |
| Net interest margin | 3.5692% | 3,605 |
| Noninterest income to average assets | 1.3326% | 781 |
| Noninterest expense to average assets | 3.2374% | 2,317 |
| Loan and lease loss provision to assets | 0.3965% | 755 |
| Net operating income to assets | 0.7484% | 3,558 |
| Return on assets (ROA) | 0.7690% | 3,545 |
| Pretax return on assets | 1.0908% | 2,981 |
| Return on Equity (ROE) | 7.1198% | 3,502 |
| Retained earnings to average equity (ytd only) | 3.6803% | 3,600 |
| Net charge-offs to loans | 0.0536% | 4,473 |
| Credit loss provision to net charge-offs | 1,077.0642% | 236 |
| Earnings coverage of net charge-offs (x) | 39.6055% | 964 |
| Efficiency ratio | 68.9491% | 4,030 |
| Assets per employee ($millions) | 4.9994% | 2,183 |
| Cash dividends to net income (ytd only)* | 48.3092% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9380% | 1,688 |
| Loan loss allowance to noncurrent loans | 208.5685% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 4,262 |
| Noncurrent loans to loans | 0.9292% | 3,670 |
| Net loans and leases to total assets | 69.7338% | 2,061 |
| Net loans and leases to deposits | 82.3604% | 2,145 |
| Net loans and leases to core deposits | 86.0924% | 2,435 |
| Total domestic deposits to total assets | 84.6691% | 3,899 |
| Equity capital to assets | 10.7358% | 2,891 |
| Core capital (leverage) ratio | 10.2806% | 3,178 |
| Tier 1 risk-based capital ratio | 14.2145% | 4,146 |
| Total risk-based capital ratio | 15.4727% | 4,080 |
| Memoranda: | ||
| Average total assets | $296,106,200 | 2,165 |
| Average earning assets | $278,972,400 | 2,123 |
| Average equity | $31,981,200 | 2,134 |
| Average total loans | $203,521,600 | 1,975 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9201% | 4,428 |
| Cost of funding earning assets | 0.3543% | 5,256 |
| Net interest margin | 3.5658% | 3,593 |
| Noninterest income to average assets | 1.3747% | 769 |
| Noninterest expense to average assets | 3.2173% | 2,314 |
| Loan and lease loss provision to assets | 0.5290% | 507 |
| Net operating income to assets | 0.6996% | 3,863 |
| Return on assets (ROA) | 0.7274% | 3,842 |
| Pretax return on assets | 1.0270% | 3,391 |
| Return on Equity (ROE) | 6.7248% | 3,809 |
| Retained earnings to average equity (ytd only) | 4.2295% | 3,673 |
| Net charge-offs to loans | 0.0555% | 4,117 |
| Credit loss provision to net charge-offs | 1,400.0000% | 228 |
| Earnings coverage of net charge-offs (x) | 40.1419% | 1,001 |
| Efficiency ratio | 67.9590% | 4,112 |
| Assets per employee ($millions) | 5.0726% | 2,083 |
| Cash dividends to net income (ytd only)* | 37.1057% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 1,886 |
| Loan loss allowance to noncurrent loans | 204.1916% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.6759% | 4,422 |
| Noncurrent loans to loans | 0.9503% | 3,915 |
| Net loans and leases to total assets | 69.0937% | 2,123 |
| Net loans and leases to deposits | 81.5985% | 2,188 |
| Net loans and leases to core deposits | 85.8896% | 2,421 |
| Total domestic deposits to total assets | 84.6751% | 3,894 |
| Equity capital to assets | 10.6257% | 3,134 |
| Core capital (leverage) ratio | 10.2573% | 3,309 |
| Tier 1 risk-based capital ratio | 14.0595% | 4,383 |
| Total risk-based capital ratio | 15.3177% | 4,329 |
| Memoranda: | ||
| Average total assets | $296,391,250 | 2,176 |
| Average earning assets | $279,240,750 | 2,128 |
| Average equity | $32,059,750 | 2,146 |
| Average total loans | $201,963,000 | 1,993 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9206% | 4,401 |
| Cost of funding earning assets | 0.3649% | 5,267 |
| Net interest margin | 3.5557% | 3,539 |
| Noninterest income to average assets | 1.3878% | 813 |
| Noninterest expense to average assets | 3.2258% | 2,289 |
| Loan and lease loss provision to assets | 0.6926% | 342 |
| Net operating income to assets | 0.5728% | 4,430 |
| Return on assets (ROA) | 0.6140% | 4,393 |
| Pretax return on assets | 0.8794% | 3,986 |
| Return on Equity (ROE) | 5.6430% | 4,380 |
| Retained earnings to average equity (ytd only) | 4.3987% | 3,471 |
| Net charge-offs to loans | 0.0291% | 4,283 |
| Credit loss provision to net charge-offs | 3,527.5862% | 88 |
| Earnings coverage of net charge-offs (x) | 77.0690% | 588 |
| Efficiency ratio | 68.0714% | 4,168 |
| Assets per employee ($millions) | 5.0457% | 2,065 |
| Cash dividends to net income (ytd only)* | 22.0507% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9432% | 1,988 |
| Loan loss allowance to noncurrent loans | 167.3931% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.8218% | 4,175 |
| Noncurrent loans to loans | 1.1608% | 3,619 |
| Net loans and leases to total assets | 68.8702% | 2,081 |
| Net loans and leases to deposits | 82.4452% | 2,003 |
| Net loans and leases to core deposits | 87.0881% | 2,221 |
| Total domestic deposits to total assets | 83.5345% | 4,503 |
| Equity capital to assets | 10.8119% | 2,931 |
| Core capital (leverage) ratio | 10.2011% | 3,230 |
| Tier 1 risk-based capital ratio | 14.2961% | 4,231 |
| Total risk-based capital ratio | 15.5521% | 4,176 |
| Memoranda: | ||
| Average total assets | $295,426,670 | 2,191 |
| Average earning assets | $278,425,670 | 2,140 |
| Average equity | $32,146,000 | 2,146 |
| Average total loans | $198,991,000 | 2,017 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 4,440 |
| Cost of funding earning assets | 0.3767% | 5,314 |
| Net interest margin | 3.5317% | 3,561 |
| Noninterest income to average assets | 1.3180% | 886 |
| Noninterest expense to average assets | 3.1616% | 2,480 |
| Loan and lease loss provision to assets | 0.6711% | 355 |
| Net operating income to assets | 0.5599% | 4,416 |
| Return on assets (ROA) | 0.6334% | 4,219 |
| Pretax return on assets | 0.9150% | 3,707 |
| Return on Equity (ROE) | 5.8027% | 4,147 |
| Retained earnings to average equity (ytd only) | 3.3335% | 4,254 |
| Net charge-offs to loans | 0.0715% | 3,125 |
| Credit loss provision to net charge-offs | 1,422.8571% | 230 |
| Earnings coverage of net charge-offs (x) | 31.3714% | 943 |
| Efficiency ratio | 68.1185% | 4,285 |
| Assets per employee ($millions) | 4.9976% | 2,212 |
| Cash dividends to net income (ytd only)* | 42.5532% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7212% | 2,923 |
| Loan loss allowance to noncurrent loans | 139.8062% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.8401% | 4,283 |
| Noncurrent loans to loans | 1.2311% | 3,717 |
| Net loans and leases to total assets | 67.0615% | 2,180 |
| Net loans and leases to deposits | 80.4350% | 2,026 |
| Net loans and leases to core deposits | 85.2089% | 2,190 |
| Total domestic deposits to total assets | 83.3736% | 4,724 |
| Equity capital to assets | 10.9955% | 2,961 |
| Core capital (leverage) ratio | 10.1388% | 3,232 |
| Tier 1 risk-based capital ratio | 14.0815% | 4,446 |
| Total risk-based capital ratio | 15.3355% | 4,401 |
| Memoranda: | ||
| Average total assets | $296,815,500 | 2,210 |
| Average earning assets | $279,301,500 | 2,159 |
| Average equity | $32,398,500 | 2,157 |
| Average total loans | $195,715,500 | 2,059 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 4,447 |
| Cost of funding earning assets | 0.4454% | 5,618 |
| Net interest margin | 3.7908% | 3,266 |
| Noninterest income to average assets | 1.3978% | 794 |
| Noninterest expense to average assets | 3.1067% | 2,901 |
| Loan and lease loss provision to assets | 0.0866% | 4,614 |
| Net operating income to assets | 1.1600% | 1,737 |
| Return on assets (ROA) | 1.1657% | 1,872 |
| Pretax return on assets | 1.7558% | 1,011 |
| Return on Equity (ROE) | 10.5199% | 1,961 |
| Retained earnings to average equity (ytd only) | 3.1311% | 4,037 |
| Net charge-offs to loans | 0.2347% | 3,530 |
| Credit loss provision to net charge-offs | 57.7011% | 4,509 |
| Earnings coverage of net charge-offs (x) | 12.2230% | 1,950 |
| Efficiency ratio | 62.8831% | 5,101 |
| Assets per employee ($millions) | 4.9796% | 2,252 |
| Cash dividends to net income (ytd only)* | 70.2367% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 3,410 |
| Loan loss allowance to noncurrent loans | 95.6938% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.0493% | 3,935 |
| Noncurrent loans to loans | 1.6480% | 3,150 |
| Net loans and leases to total assets | 62.6669% | 3,131 |
| Net loans and leases to deposits | 74.6838% | 2,996 |
| Net loans and leases to core deposits | 79.1104% | 3,134 |
| Total domestic deposits to total assets | 83.9096% | 4,357 |
| Equity capital to assets | 10.8362% | 3,136 |
| Core capital (leverage) ratio | 9.9986% | 3,399 |
| Tier 1 risk-based capital ratio | 14.7059% | 3,891 |
| Total risk-based capital ratio | 15.9593% | 3,842 |
| Memoranda: | ||
| Average total assets | $289,950,200 | 2,204 |
| Average earning assets | $270,971,800 | 2,152 |
| Average equity | $32,129,600 | 2,135 |
| Average total loans | $185,335,000 | 2,138 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3537% | 4,234 |
| Cost of funding earning assets | 0.4611% | 5,715 |
| Net interest margin | 3.8926% | 2,935 |
| Noninterest income to average assets | 1.3947% | 770 |
| Noninterest expense to average assets | 3.0786% | 2,952 |
| Loan and lease loss provision to assets | 0.1172% | 4,086 |
| Net operating income to assets | 1.2266% | 1,644 |
| Return on assets (ROA) | 1.2344% | 1,792 |
| Pretax return on assets | 1.8368% | 971 |
| Return on Equity (ROE) | 11.0762% | 1,929 |
| Retained earnings to average equity (ytd only) | 4.5278% | 3,715 |
| Net charge-offs to loans | 0.1818% | 3,660 |
| Credit loss provision to net charge-offs | 100.7968% | 2,934 |
| Earnings coverage of net charge-offs (x) | 16.7011% | 1,671 |
| Efficiency ratio | 61.3141% | 5,259 |
| Assets per employee ($millions) | 4.8028% | 2,437 |
| Cash dividends to net income (ytd only)* | 59.1217% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7108% | 3,110 |
| Loan loss allowance to noncurrent loans | 116.8745% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.9460% | 4,395 |
| Noncurrent loans to loans | 1.4637% | 3,599 |
| Net loans and leases to total assets | 63.5211% | 3,113 |
| Net loans and leases to deposits | 76.9963% | 2,817 |
| Net loans and leases to core deposits | 81.2719% | 3,049 |
| Total domestic deposits to total assets | 82.4988% | 4,832 |
| Equity capital to assets | 11.3652% | 2,885 |
| Core capital (leverage) ratio | 10.3615% | 3,088 |
| Tier 1 risk-based capital ratio | 15.0856% | 3,792 |
| Total risk-based capital ratio | 16.3404% | 3,737 |
| Memoranda: | ||
| Average total assets | $287,744,000 | 2,248 |
| Average earning assets | $268,056,250 | 2,199 |
| Average equity | $32,068,000 | 2,157 |
| Average total loans | $184,110,500 | 2,178 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3992% | 4,190 |
| Cost of funding earning assets | 0.4775% | 5,778 |
| Net interest margin | 3.9217% | 2,824 |
| Noninterest income to average assets | 1.3470% | 791 |
| Noninterest expense to average assets | 3.0619% | 3,045 |
| Loan and lease loss provision to assets | 0.1759% | 3,341 |
| Net operating income to assets | 1.1754% | 1,799 |
| Return on assets (ROA) | 1.1871% | 1,957 |
| Pretax return on assets | 1.7649% | 1,105 |
| Return on Equity (ROE) | 10.7223% | 2,089 |
| Retained earnings to average equity (ytd only) | 6.7964% | 2,218 |
| Net charge-offs to loans | 0.2421% | 3,123 |
| Credit loss provision to net charge-offs | 113.9640% | 2,396 |
| Earnings coverage of net charge-offs (x) | 12.4595% | 1,875 |
| Efficiency ratio | 61.4172% | 5,346 |
| Assets per employee ($millions) | 4.8605% | 2,343 |
| Cash dividends to net income (ytd only)* | 36.6139% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7337% | 3,099 |
| Loan loss allowance to noncurrent loans | 383.0751% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.3051% | 6,003 |
| Noncurrent loans to loans | 0.4526% | 5,629 |
| Net loans and leases to total assets | 63.5265% | 3,141 |
| Net loans and leases to deposits | 76.5256% | 2,910 |
| Net loans and leases to core deposits | 80.8914% | 3,101 |
| Total domestic deposits to total assets | 83.0134% | 4,750 |
| Equity capital to assets | 11.3137% | 2,774 |
| Core capital (leverage) ratio | 10.4427% | 2,863 |
| Tier 1 risk-based capital ratio | 15.1803% | 3,647 |
| Total risk-based capital ratio | 16.4355% | 3,608 |
| Memoranda: | ||
| Average total assets | $287,602,330 | 2,254 |
| Average earning assets | $266,819,670 | 2,212 |
| Average equity | $31,840,330 | 2,158 |
| Average total loans | $183,402,670 | 2,180 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4610% | 4,065 |
| Cost of funding earning assets | 0.5133% | 5,730 |
| Net interest margin | 3.9477% | 2,729 |
| Noninterest income to average assets | 1.3166% | 822 |
| Noninterest expense to average assets | 3.0609% | 3,050 |
| Loan and lease loss provision to assets | 0.2694% | 2,300 |
| Net operating income to assets | 1.0910% | 2,134 |
| Return on assets (ROA) | 1.1069% | 2,241 |
| Pretax return on assets | 1.6416% | 1,453 |
| Return on Equity (ROE) | 10.1083% | 2,361 |
| Retained earnings to average equity (ytd only) | 6.9376% | 2,466 |
| Net charge-offs to loans | 0.0877% | 3,637 |
| Credit loss provision to net charge-offs | 485.0000% | 667 |
| Earnings coverage of net charge-offs (x) | 33.9750% | 838 |
| Efficiency ratio | 61.8580% | 5,298 |
| Assets per employee ($millions) | 4.7558% | 2,580 |
| Cash dividends to net income (ytd only)* | 31.3676% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8012% | 2,993 |
| Loan loss allowance to noncurrent loans | 532.3764% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 6,339 |
| Noncurrent loans to loans | 0.3383% | 5,994 |
| Net loans and leases to total assets | 63.7778% | 2,894 |
| Net loans and leases to deposits | 77.1682% | 2,652 |
| Net loans and leases to core deposits | 81.0078% | 2,948 |
| Total domestic deposits to total assets | 82.6478% | 5,063 |
| Equity capital to assets | 11.1647% | 2,742 |
| Core capital (leverage) ratio | 10.2642% | 3,040 |
| Tier 1 risk-based capital ratio | 14.9287% | 3,801 |
| Total risk-based capital ratio | 16.1846% | 3,764 |
| Memoranda: | ||
| Average total assets | $288,020,000 | 2,258 |
| Average earning assets | $264,963,500 | 2,239 |
| Average equity | $31,538,500 | 2,177 |
| Average total loans | $182,410,500 | 2,204 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6058% | 4,654 |
| Cost of funding earning assets | 0.6542% | 5,801 |
| Net interest margin | 3.9516% | 3,097 |
| Noninterest income to average assets | 1.3413% | 721 |
| Noninterest expense to average assets | 2.7717% | 4,467 |
| Loan and lease loss provision to assets | -0.0034% | 7,206 |
| Net operating income to assets | 1.4968% | 829 |
| Return on assets (ROA) | 1.5750% | 762 |
| Pretax return on assets | 2.3508% | 272 |
| Return on Equity (ROE) | 15.7683% | 640 |
| Retained earnings to average equity (ytd only) | 12.6550% | 254 |
| Net charge-offs to loans | 0.0758% | 5,562 |
| Credit loss provision to net charge-offs | -7.0922% | 6,608 |
| Earnings coverage of net charge-offs (x) | 47.0638% | 587 |
| Efficiency ratio | 55.4062% | 6,377 |
| Assets per employee ($millions) | 4.8449% | 2,386 |
| Cash dividends to net income (ytd only)* | 19.7439% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7739% | 2,952 |
| Loan loss allowance to noncurrent loans | 449.7175% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 6,360 |
| Noncurrent loans to loans | 0.3944% | 5,924 |
| Net loans and leases to total assets | 60.6520% | 3,856 |
| Net loans and leases to deposits | 74.1466% | 3,475 |
| Net loans and leases to core deposits | 77.7461% | 3,714 |
| Total domestic deposits to total assets | 81.8000% | 5,190 |
| Equity capital to assets | 10.7395% | 3,262 |
| Core capital (leverage) ratio | 9.8245% | 3,554 |
| Tier 1 risk-based capital ratio | 14.1394% | 4,228 |
| Total risk-based capital ratio | 15.3935% | 4,176 |
| Memoranda: | ||
| Average total assets | $297,469,600 | 2,153 |
| Average earning assets | $275,610,000 | 2,129 |
| Average equity | $29,711,600 | 2,218 |
| Average total loans | $186,021,600 | 2,168 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5953% | 4,881 |
| Cost of funding earning assets | 0.6715% | 5,920 |
| Net interest margin | 3.9237% | 3,254 |
| Noninterest income to average assets | 1.3482% | 720 |
| Noninterest expense to average assets | 2.7035% | 4,712 |
| Loan and lease loss provision to assets | -0.0049% | 7,291 |
| Net operating income to assets | 1.5500% | 851 |
| Return on assets (ROA) | 1.5871% | 861 |
| Pretax return on assets | 2.3688% | 315 |
| Return on Equity (ROE) | 16.1852% | 658 |
| Retained earnings to average equity (ytd only) | 16.1852% | 172 |
| Net charge-offs to loans | 0.0568% | 5,405 |
| Credit loss provision to net charge-offs | -13.7500% | 6,415 |
| Earnings coverage of net charge-offs (x) | 64.7524% | 507 |
| Efficiency ratio | 53.9392% | 6,496 |
| Assets per employee ($millions) | 4.8892% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7577% | 3,079 |
| Loan loss allowance to noncurrent loans | 286.6608% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4295% | 6,005 |
| Noncurrent loans to loans | 0.6132% | 5,668 |
| Net loans and leases to total assets | 61.8256% | 3,769 |
| Net loans and leases to deposits | 76.8818% | 3,181 |
| Net loans and leases to core deposits | 80.7555% | 3,521 |
| Total domestic deposits to total assets | 80.4165% | 5,617 |
| Equity capital to assets | 10.7222% | 3,452 |
| Core capital (leverage) ratio | 9.7501% | 3,771 |
| Tier 1 risk-based capital ratio | 14.4203% | 4,037 |
| Total risk-based capital ratio | 15.6753% | 3,998 |
| Memoranda: | ||
| Average total assets | $299,163,750 | 2,149 |
| Average earning assets | $279,353,000 | 2,106 |
| Average equity | $29,334,750 | 2,240 |
| Average total loans | $187,653,250 | 2,170 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6143% | 4,909 |
| Cost of funding earning assets | 0.6987% | 5,971 |
| Net interest margin | 3.9156% | 3,238 |
| Noninterest income to average assets | 1.3045% | 739 |
| Noninterest expense to average assets | 2.6908% | 4,856 |
| Loan and lease loss provision to assets | -0.0100% | 7,367 |
| Net operating income to assets | 1.5237% | 843 |
| Return on assets (ROA) | 1.5789% | 805 |
| Pretax return on assets | 2.3540% | 313 |
| Return on Equity (ROE) | 16.6059% | 597 |
| Retained earnings to average equity (ytd only) | 16.6059% | 177 |
| Net charge-offs to loans | 0.0742% | 4,905 |
| Credit loss provision to net charge-offs | -21.4286% | 6,204 |
| Earnings coverage of net charge-offs (x) | 48.6429% | 638 |
| Efficiency ratio | 54.3321% | 6,591 |
| Assets per employee ($millions) | 4.9164% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7317% | 3,215 |
| Loan loss allowance to noncurrent loans | 535.4201% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 6,515 |
| Noncurrent loans to loans | 0.3234% | 6,265 |
| Net loans and leases to total assets | 61.4945% | 3,988 |
| Net loans and leases to deposits | 75.4890% | 3,562 |
| Net loans and leases to core deposits | 79.2627% | 3,890 |
| Total domestic deposits to total assets | 81.4615% | 5,363 |
| Equity capital to assets | 10.0423% | 4,085 |
| Core capital (leverage) ratio | 9.1591% | 4,475 |
| Tier 1 risk-based capital ratio | 13.5827% | 4,468 |
| Total risk-based capital ratio | 14.8377% | 4,444 |
| Memoranda: | ||
| Average total assets | $301,100,330 | 2,139 |
| Average earning assets | $280,516,670 | 2,097 |
| Average equity | $28,628,330 | 2,273 |
| Average total loans | $188,666,670 | 2,187 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6174% | 4,872 |
| Cost of funding earning assets | 0.7470% | 5,880 |
| Net interest margin | 3.8705% | 3,297 |
| Noninterest income to average assets | 1.2118% | 867 |
| Noninterest expense to average assets | 2.7100% | 4,796 |
| Loan and lease loss provision to assets | -0.0013% | 7,434 |
| Net operating income to assets | 1.4066% | 1,050 |
| Return on assets (ROA) | 1.5167% | 886 |
| Pretax return on assets | 2.2605% | 362 |
| Return on Equity (ROE) | 16.4108% | 638 |
| Retained earnings to average equity (ytd only) | 16.4108% | 305 |
| Net charge-offs to loans | 0.1374% | 3,690 |
| Credit loss provision to net charge-offs | -1.5385% | 5,568 |
| Earnings coverage of net charge-offs (x) | 24.3077% | 987 |
| Efficiency ratio | 56.4018% | 6,457 |
| Assets per employee ($millions) | 4.8219% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7510% | 3,170 |
| Loan loss allowance to noncurrent loans | 447.4692% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 6,521 |
| Noncurrent loans to loans | 0.3913% | 6,213 |
| Net loans and leases to total assets | 62.3990% | 3,775 |
| Net loans and leases to deposits | 76.3756% | 3,360 |
| Net loans and leases to core deposits | 80.5802% | 3,656 |
| Total domestic deposits to total assets | 81.7001% | 5,426 |
| Equity capital to assets | 9.6674% | 4,226 |
| Core capital (leverage) ratio | 8.7249% | 5,045 |
| Tier 1 risk-based capital ratio | 13.1549% | 4,706 |
| Total risk-based capital ratio | 14.4103% | 4,677 |
| Memoranda: | ||
| Average total assets | $301,700,500 | 2,152 |
| Average earning assets | $280,068,500 | 2,112 |
| Average equity | $27,884,000 | 2,309 |
| Average total loans | $189,164,000 | 2,204 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8937% | 5,064 |
| Cost of funding earning assets | 1.0708% | 5,306 |
| Net interest margin | 3.8229% | 3,852 |
| Noninterest income to average assets | 1.2488% | 954 |
| Noninterest expense to average assets | 2.6258% | 5,309 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4895% | 780 |
| Return on assets (ROA) | 1.5223% | 792 |
| Pretax return on assets | 2.2544% | 280 |
| Return on Equity (ROE) | 18.2709% | 360 |
| Retained earnings to average equity (ytd only) | 10.1505% | 498 |
| Net charge-offs to loans | 0.0535% | 6,256 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 66.4757% | 362 |
| Efficiency ratio | 54.3442% | 6,771 |
| Assets per employee ($millions) | 5.0700% | 2,059 |
| Cash dividends to net income (ytd only)* | 44.4444% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7418% | 3,065 |
| Loan loss allowance to noncurrent loans | 346.0581% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 6,464 |
| Noncurrent loans to loans | 0.5033% | 6,031 |
| Net loans and leases to total assets | 60.8485% | 4,518 |
| Net loans and leases to deposits | 73.9419% | 4,201 |
| Net loans and leases to core deposits | 78.2263% | 4,434 |
| Total domestic deposits to total assets | 82.2924% | 5,093 |
| Equity capital to assets | 8.8380% | 5,377 |
| Core capital (leverage) ratio | 8.0084% | 6,189 |
| Tier 1 risk-based capital ratio | 11.2455% | 6,135 |
| Total risk-based capital ratio | 12.4990% | 6,120 |
| Memoranda: | ||
| Average total assets | $310,376,000 | 2,088 |
| Average earning assets | $290,907,600 | 2,039 |
| Average equity | $25,860,800 | 2,472 |
| Average total loans | $192,406,000 | 2,228 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9179% | 5,187 |
| Cost of funding earning assets | 1.1260% | 5,279 |
| Net interest margin | 3.7919% | 3,999 |
| Noninterest income to average assets | 1.2060% | 954 |
| Noninterest expense to average assets | 2.6348% | 5,176 |
| Loan and lease loss provision to assets | -0.0172% | 7,677 |
| Net operating income to assets | 1.4604% | 999 |
| Return on assets (ROA) | 1.4773% | 1,035 |
| Pretax return on assets | 2.1863% | 425 |
| Return on Equity (ROE) | 18.0021% | 481 |
| Retained earnings to average equity (ytd only) | 7.0188% | 1,833 |
| Net charge-offs to loans | 0.0491% | 6,029 |
| Credit loss provision to net charge-offs | -56.3380% | 6,882 |
| Earnings coverage of net charge-offs (x) | 70.3694% | 427 |
| Efficiency ratio | 55.1325% | 6,668 |
| Assets per employee ($millions) | 5.0487% | 2,112 |
| Cash dividends to net income (ytd only)* | 61.0110% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7300% | 3,064 |
| Loan loss allowance to noncurrent loans | 225.4065% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 6,225 |
| Noncurrent loans to loans | 0.7675% | 5,674 |
| Net loans and leases to total assets | 61.3648% | 4,656 |
| Net loans and leases to deposits | 77.0705% | 3,996 |
| Net loans and leases to core deposits | 79.1924% | 4,632 |
| Total domestic deposits to total assets | 79.6216% | 5,829 |
| Equity capital to assets | 8.7030% | 6,004 |
| Core capital (leverage) ratio | 7.5449% | 6,819 |
| Tier 1 risk-based capital ratio | 11.0580% | 6,324 |
| Total risk-based capital ratio | 12.3124% | 6,308 |
| Memoranda: | ||
| Average total assets | $310,653,000 | 2,125 |
| Average earning assets | $292,721,750 | 2,055 |
| Average equity | $25,492,750 | 2,541 |
| Average total loans | $192,627,250 | 2,265 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9550% | 5,157 |
| Cost of funding earning assets | 1.1748% | 5,268 |
| Net interest margin | 3.7802% | 3,989 |
| Noninterest income to average assets | 1.1376% | 1,007 |
| Noninterest expense to average assets | 2.5800% | 5,404 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4300% | 1,036 |
| Return on assets (ROA) | 1.4450% | 1,069 |
| Pretax return on assets | 2.1474% | 449 |
| Return on Equity (ROE) | 17.9678% | 464 |
| Retained earnings to average equity (ytd only) | 1.2053% | 5,267 |
| Net charge-offs to loans | 0.0602% | 5,550 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 57.0690% | 534 |
| Efficiency ratio | 54.8369% | 6,783 |
| Assets per employee ($millions) | 5.0228% | 2,155 |
| Cash dividends to net income (ytd only)* | 93.2919% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7525% | 2,892 |
| Loan loss allowance to noncurrent loans | 251.3011% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 6,348 |
| Noncurrent loans to loans | 0.6974% | 5,852 |
| Net loans and leases to total assets | 61.8438% | 4,717 |
| Net loans and leases to deposits | 79.2327% | 3,751 |
| Net loans and leases to core deposits | 81.6904% | 4,462 |
| Total domestic deposits to total assets | 78.0533% | 6,258 |
| Equity capital to assets | 8.4610% | 6,215 |
| Core capital (leverage) ratio | 7.0959% | 7,134 |
| Tier 1 risk-based capital ratio | 10.7336% | 6,495 |
| Total risk-based capital ratio | 11.9885% | 6,481 |
| Memoranda: | ||
| Average total assets | $311,546,330 | 2,142 |
| Average earning assets | $294,003,670 | 2,064 |
| Average equity | $25,056,000 | 2,582 |
| Average total loans | $192,731,670 | 2,288 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9175% | 5,372 |
| Cost of funding earning assets | 1.2301% | 5,230 |
| Net interest margin | 3.6875% | 4,317 |
| Noninterest income to average assets | 1.1078% | 1,029 |
| Noninterest expense to average assets | 2.5621% | 5,507 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3625% | 1,158 |
| Return on assets (ROA) | 1.3625% | 1,228 |
| Pretax return on assets | 2.0196% | 583 |
| Return on Equity (ROE) | 17.3828% | 574 |
| Retained earnings to average equity (ytd only) | -16.7330% | 7,269 |
| Net charge-offs to loans | 0.0166% | 5,348 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 198.2500% | 173 |
| Efficiency ratio | 55.9200% | 6,778 |
| Assets per employee ($millions) | 5.1448% | 2,035 |
| Cash dividends to net income (ytd only)* | 196.2617% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7713% | 2,823 |
| Loan loss allowance to noncurrent loans | 139.3582% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.7845% | 5,583 |
| Noncurrent loans to loans | 1.2710% | 4,856 |
| Net loans and leases to total assets | 60.6271% | 5,013 |
| Net loans and leases to deposits | 78.9272% | 3,855 |
| Net loans and leases to core deposits | 81.7331% | 4,533 |
| Total domestic deposits to total assets | 76.8139% | 6,592 |
| Equity capital to assets | 7.7069% | 6,925 |
| Core capital (leverage) ratio | 6.8221% | 7,343 |
| Tier 1 risk-based capital ratio | 9.8320% | 7,129 |
| Total risk-based capital ratio | 11.0864% | 7,127 |
| Memoranda: | ||
| Average total assets | $314,123,000 | 2,168 |
| Average earning assets | $295,922,000 | 2,107 |
| Average equity | $24,622,000 | 2,653 |
| Average total loans | $192,665,000 | 2,346 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1654% | 5,812 |
| Cost of funding earning assets | 1.6718% | 4,659 |
| Net interest margin | 3.4936% | 4,983 |
| Noninterest income to average assets | 1.2022% | 1,067 |
| Noninterest expense to average assets | 2.6076% | 5,772 |
| Loan and lease loss provision to assets | 0.4832% | 3,951 |
| Net operating income to assets | 0.9421% | 2,037 |
| Return on assets (ROA) | 1.0836% | 1,609 |
| Pretax return on assets | 1.5984% | 971 |
| Return on Equity (ROE) | 13.5806% | 858 |
| Retained earnings to average equity (ytd only) | 1.4695% | 4,037 |
| Net charge-offs to loans | 0.1257% | 5,938 |
| Credit loss provision to net charge-offs | 612.2449% | 480 |
| Earnings coverage of net charge-offs (x) | 23.7388% | 927 |
| Efficiency ratio | 58.1914% | 6,734 |
| Assets per employee ($millions) | 4.9907% | 2,229 |
| Cash dividends to net income (ytd only)* | 89.1795% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7941% | 2,561 |
| Loan loss allowance to noncurrent loans | 137.8508% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.7932% | 5,521 |
| Noncurrent loans to loans | 1.3015% | 4,751 |
| Net loans and leases to total assets | 59.8554% | 5,363 |
| Net loans and leases to deposits | 75.6466% | 4,804 |
| Net loans and leases to core deposits | 86.2408% | 5,497 |
| Total domestic deposits to total assets | 79.1251% | 5,945 |
| Equity capital to assets | 7.9695% | 6,613 |
| Core capital (leverage) ratio | 6.9438% | 7,283 |
| Tier 1 risk-based capital ratio | 10.4015% | 6,496 |
| Total risk-based capital ratio | 11.6561% | 6,461 |
| Memoranda: | ||
| Average total assets | $310,435,600 | 2,161 |
| Average earning assets | $291,361,000 | 2,118 |
| Average equity | $24,770,600 | 2,634 |
| Average total loans | $194,962,200 | 2,339 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2198% | 5,797 |
| Cost of funding earning assets | 1.7468% | 4,652 |
| Net interest margin | 3.4730% | 4,980 |
| Noninterest income to average assets | 1.2112% | 1,052 |
| Noninterest expense to average assets | 2.6279% | 5,607 |
| Loan and lease loss provision to assets | 0.6463% | 2,818 |
| Net operating income to assets | 0.8106% | 2,770 |
| Return on assets (ROA) | 0.9746% | 2,202 |
| Pretax return on assets | 1.4344% | 1,610 |
| Return on Equity (ROE) | 12.2107% | 1,308 |
| Retained earnings to average equity (ytd only) | 0.3347% | 5,061 |
| Net charge-offs to loans | 0.1185% | 5,513 |
| Credit loss provision to net charge-offs | 862.0690% | 440 |
| Earnings coverage of net charge-offs (x) | 24.5349% | 1,087 |
| Efficiency ratio | 58.8252% | 6,588 |
| Assets per employee ($millions) | 5.0152% | 2,121 |
| Cash dividends to net income (ytd only)* | 97.2592% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6648% | 2,746 |
| Loan loss allowance to noncurrent loans | 146.5879% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7352% | 5,660 |
| Noncurrent loans to loans | 1.1357% | 5,050 |
| Net loans and leases to total assets | 63.6584% | 4,937 |
| Net loans and leases to deposits | 80.3876% | 4,323 |
| Net loans and leases to core deposits | 92.4465% | 5,188 |
| Total domestic deposits to total assets | 79.1893% | 5,742 |
| Equity capital to assets | 8.0845% | 6,763 |
| Core capital (leverage) ratio | 6.8184% | 7,536 |
| Tier 1 risk-based capital ratio | 10.2944% | 6,687 |
| Total risk-based capital ratio | 11.5495% | 6,629 |
| Memoranda: | ||
| Average total assets | $309,441,750 | 2,176 |
| Average earning assets | $290,119,000 | 2,137 |
| Average equity | $24,699,000 | 2,657 |
| Average total loans | $195,795,250 | 2,362 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2641% | 5,813 |
| Cost of funding earning assets | 1.7980% | 4,772 |
| Net interest margin | 3.4661% | 4,946 |
| Noninterest income to average assets | 1.2417% | 999 |
| Noninterest expense to average assets | 2.6270% | 5,629 |
| Loan and lease loss provision to assets | 0.7768% | 2,138 |
| Net operating income to assets | 0.7381% | 3,103 |
| Return on assets (ROA) | 0.9432% | 2,397 |
| Pretax return on assets | 1.3880% | 1,759 |
| Return on Equity (ROE) | 11.8684% | 1,456 |
| Retained earnings to average equity (ytd only) | 0.4643% | 5,027 |
| Net charge-offs to loans | 0.1196% | 4,964 |
| Credit loss provision to net charge-offs | 1,034.4828% | 475 |
| Earnings coverage of net charge-offs (x) | 24.8103% | 1,143 |
| Efficiency ratio | 58.5063% | 6,768 |
| Assets per employee ($millions) | 5.1693% | 1,901 |
| Cash dividends to net income (ytd only)* | 96.0879% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6461% | 2,544 |
| Loan loss allowance to noncurrent loans | 1,271.2551% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 7,390 |
| Noncurrent loans to loans | 0.1295% | 7,192 |
| Net loans and leases to total assets | 58.5402% | 5,897 |
| Net loans and leases to deposits | 73.8625% | 5,472 |
| Net loans and leases to core deposits | 86.7715% | 5,829 |
| Total domestic deposits to total assets | 79.2556% | 5,729 |
| Equity capital to assets | 7.6550% | 7,129 |
| Core capital (leverage) ratio | 6.7893% | 7,662 |
| Tier 1 risk-based capital ratio | 10.2861% | 6,612 |
| Total risk-based capital ratio | 11.5402% | 6,542 |
| Memoranda: | ||
| Average total assets | $308,942,000 | 2,209 |
| Average earning assets | $289,546,670 | 2,174 |
| Average equity | $24,552,670 | 2,682 |
| Average total loans | $193,963,330 | 2,415 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3151% | 5,825 |
| Cost of funding earning assets | 1.8159% | 5,041 |
| Net interest margin | 3.4992% | 4,742 |
| Noninterest income to average assets | 1.2059% | 989 |
| Noninterest expense to average assets | 2.5610% | 5,608 |
| Loan and lease loss provision to assets | 0.7916% | 1,625 |
| Net operating income to assets | 0.8192% | 3,052 |
| Return on assets (ROA) | 1.0450% | 2,277 |
| Pretax return on assets | 1.4764% | 1,737 |
| Return on Equity (ROE) | 12.8980% | 1,419 |
| Retained earnings to average equity (ytd only) | 2.3125% | 4,592 |
| Net charge-offs to loans | 0.1861% | 3,519 |
| Credit loss provision to net charge-offs | 659.3407% | 880 |
| Earnings coverage of net charge-offs (x) | 16.2418% | 1,561 |
| Efficiency ratio | 56.7710% | 6,859 |
| Assets per employee ($millions) | 5.1010% | 1,959 |
| Cash dividends to net income (ytd only)* | 82.0707% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 3,543 |
| Loan loss allowance to noncurrent loans | 685.7143% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.1363% | 7,180 |
| Noncurrent loans to loans | 0.2030% | 6,952 |
| Net loans and leases to total assets | 61.1818% | 5,469 |
| Net loans and leases to deposits | 79.5567% | 4,683 |
| Net loans and leases to core deposits | 93.5213% | 5,203 |
| Total domestic deposits to total assets | 76.9034% | 6,302 |
| Equity capital to assets | 7.9828% | 6,839 |
| Core capital (leverage) ratio | 6.9963% | 7,638 |
| Tier 1 risk-based capital ratio | 10.6540% | 6,230 |
| Total risk-based capital ratio | 11.9044% | 6,148 |
| Memoranda: | ||
| Average total assets | $303,165,000 | 2,249 |
| Average earning assets | $286,351,500 | 2,204 |
| Average equity | $24,562,000 | 2,701 |
| Average total loans | $195,565,500 | 2,418 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8084% | 6,398 |
| Cost of funding earning assets | 2.1070% | 6,021 |
| Net interest margin | 3.7015% | 4,466 |
| Noninterest income to average assets | 1.1762% | 1,110 |
| Noninterest expense to average assets | 2.3550% | 6,553 |
| Loan and lease loss provision to assets | 0.2354% | 4,544 |
| Net operating income to assets | 1.3649% | 1,310 |
| Return on assets (ROA) | 1.4255% | 1,130 |
| Pretax return on assets | 2.1347% | 453 |
| Return on Equity (ROE) | 19.7108% | 398 |
| Retained earnings to average equity (ytd only) | 11.2153% | 301 |
| Net charge-offs to loans | 0.0852% | 5,543 |
| Credit loss provision to net charge-offs | 450.9202% | 971 |
| Earnings coverage of net charge-offs (x) | 43.6626% | 842 |
| Efficiency ratio | 50.8121% | 7,603 |
| Assets per employee ($millions) | 4.7608% | 2,223 |
| Cash dividends to net income (ytd only)* | 43.1011% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 5,286 |
| Loan loss allowance to noncurrent loans | 424.9513% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 6,872 |
| Noncurrent loans to loans | 0.2590% | 6,602 |
| Net loans and leases to total assets | 66.3650% | 4,778 |
| Net loans and leases to deposits | 87.1118% | 3,926 |
| Net loans and leases to core deposits | 98.5298% | 4,984 |
| Total domestic deposits to total assets | 76.1837% | 6,199 |
| Equity capital to assets | 8.2274% | 6,511 |
| Core capital (leverage) ratio | 6.9510% | 7,729 |
| Tier 1 risk-based capital ratio | 10.5879% | 6,118 |
| Total risk-based capital ratio | 11.6634% | 6,176 |
| Memoranda: | ||
| Average total assets | $312,181,400 | 2,139 |
| Average earning assets | $291,696,000 | 2,097 |
| Average equity | $22,576,400 | 2,899 |
| Average total loans | $191,335,200 | 2,378 |