Home > Texas First State Bank > Performance and Condition Ratios
Texas First State Bank, Performance and Condition Ratios
| 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 | 3.4593% | 4,883 |
| Cost of funding earning assets | 0.8535% | 2,411 |
| Net interest margin | 2.6058% | 4,902 |
| Noninterest income to average assets | 0.3415% | 3,661 |
| Noninterest expense to average assets | 2.4167% | 3,639 |
| Loan and lease loss provision to assets | 0.0028% | 3,944 |
| Net operating income to assets | 0.3284% | 4,713 |
| Return on assets (ROA) | 0.3287% | 4,739 |
| Pretax return on assets | 0.3679% | 4,755 |
| Return on Equity (ROE) | 4.0028% | 4,459 |
| Retained earnings to average equity (ytd only) | -20.2101% | 5,139 |
| Net charge-offs to loans | 0.0161% | 3,137 |
| Credit loss provision to net charge-offs | 40.7407% | 3,197 |
| Earnings coverage of net charge-offs (x) | 54.5185% | 1,053 |
| Efficiency ratio | 86.7088% | 500 |
| Assets per employee ($millions) | 6.8456% | 1,112 |
| Cash dividends to net income (ytd only)* | 604.9005% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2962% | 5,045 |
| Loan loss allowance to noncurrent loans | 1,964.2857% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,641 |
| Noncurrent loans to loans | 0.0151% | 4,520 |
| Net loans and leases to total assets | 46.6343% | 4,498 |
| Net loans and leases to deposits | 50.1274% | 4,684 |
| Net loans and leases to core deposits | 55.6437% | 4,599 |
| Total domestic deposits to total assets | 93.0316% | 11 |
| Equity capital to assets | 6.8093% | 5,152 |
| Core capital (leverage) ratio | 6.6672% | 5,154 |
| Tier 1 risk-based capital ratio | 16.1421% | 2,353 |
| Total risk-based capital ratio | 16.4784% | 2,623 |
| Memoranda: | ||
| Average total assets | $397,365,600 | 1,748 |
| Average earning assets | $372,941,800 | 1,740 |
| Average equity | $32,627,200 | 2,265 |
| Average total loans | $167,257,600 | 2,441 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4375% | 4,999 |
| Cost of funding earning assets | 0.8622% | 2,401 |
| Net interest margin | 2.5754% | 5,017 |
| Noninterest income to average assets | 0.3093% | 3,895 |
| Noninterest expense to average assets | 2.3845% | 3,730 |
| Loan and lease loss provision to assets | 0.0017% | 3,820 |
| Net operating income to assets | 0.3110% | 4,821 |
| Return on assets (ROA) | 0.3110% | 4,845 |
| Pretax return on assets | 0.3422% | 4,861 |
| Return on Equity (ROE) | 3.6325% | 4,648 |
| Retained earnings to average equity (ytd only) | 3.6325% | 3,588 |
| Net charge-offs to loans | 0.0172% | 2,790 |
| Credit loss provision to net charge-offs | 23.8095% | 2,947 |
| Earnings coverage of net charge-offs (x) | 48.8082% | 1,218 |
| Efficiency ratio | 87.3970% | 433 |
| Assets per employee ($millions) | 5.6891% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3139% | 5,110 |
| Loan loss allowance to noncurrent loans | 2,119.2308% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 4,736 |
| Noncurrent loans to loans | 0.0148% | 4,610 |
| Net loans and leases to total assets | 43.9438% | 4,693 |
| Net loans and leases to deposits | 48.2399% | 4,814 |
| Net loans and leases to core deposits | 53.9912% | 4,744 |
| Total domestic deposits to total assets | 91.0943% | 90 |
| Equity capital to assets | 8.6782% | 4,933 |
| Core capital (leverage) ratio | 8.6227% | 4,876 |
| Tier 1 risk-based capital ratio | 15.9860% | 2,434 |
| Total risk-based capital ratio | 16.2456% | 2,785 |
| Memoranda: | ||
| Average total assets | $397,445,250 | 1,762 |
| Average earning assets | $373,320,000 | 1,742 |
| Average equity | $34,025,000 | 2,206 |
| Average total loans | $162,644,500 | 2,505 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4427% | 5,053 |
| Cost of funding earning assets | 0.8654% | 2,322 |
| Net interest margin | 2.5773% | 5,087 |
| Noninterest income to average assets | 0.2961% | 3,957 |
| Noninterest expense to average assets | 2.3994% | 3,734 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2911% | 4,885 |
| Return on assets (ROA) | 0.2911% | 4,897 |
| Pretax return on assets | 0.3127% | 4,919 |
| Return on Equity (ROE) | 3.4154% | 4,702 |
| Retained earnings to average equity (ytd only) | 3.4154% | 3,534 |
| Net charge-offs to loans | 0.0126% | 2,686 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 62.1000% | 961 |
| Efficiency ratio | 88.4701% | 419 |
| Assets per employee ($millions) | 5.5902% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3426% | 5,147 |
| Loan loss allowance to noncurrent loans | 705.0633% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 4,682 |
| Noncurrent loans to loans | 0.0486% | 4,470 |
| Net loans and leases to total assets | 41.4038% | 4,805 |
| Net loans and leases to deposits | 45.4400% | 4,920 |
| Net loans and leases to core deposits | 51.1186% | 4,838 |
| Total domestic deposits to total assets | 91.1176% | 90 |
| Equity capital to assets | 8.7391% | 4,930 |
| Core capital (leverage) ratio | 8.5203% | 4,957 |
| Tier 1 risk-based capital ratio | 16.7652% | 2,155 |
| Total risk-based capital ratio | 17.0433% | 2,437 |
| Memoranda: | ||
| Average total assets | $397,181,000 | 1,767 |
| Average earning assets | $372,329,330 | 1,755 |
| Average equity | $33,846,670 | 2,207 |
| Average total loans | $158,342,000 | 2,560 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4221% | 5,095 |
| Cost of funding earning assets | 0.8582% | 2,225 |
| Net interest margin | 2.5639% | 5,162 |
| Noninterest income to average assets | 0.2769% | 4,029 |
| Noninterest expense to average assets | 2.4263% | 3,696 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2369% | 4,979 |
| Return on assets (ROA) | 0.2369% | 4,984 |
| Pretax return on assets | 0.2549% | 4,994 |
| Return on Equity (ROE) | 2.8154% | 4,830 |
| Retained earnings to average equity (ytd only) | 2.8154% | 3,812 |
| Net charge-offs to loans | 0.0205% | 2,045 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 31.8750% | 1,299 |
| Efficiency ratio | 90.4922% | 376 |
| Assets per employee ($millions) | 5.7611% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3574% | 5,211 |
| Loan loss allowance to noncurrent loans | 650.0000% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 4,753 |
| Noncurrent loans to loans | 0.0550% | 4,521 |
| Net loans and leases to total assets | 38.6420% | 4,934 |
| Net loans and leases to deposits | 42.2785% | 5,033 |
| Net loans and leases to core deposits | 47.3660% | 4,951 |
| Total domestic deposits to total assets | 91.3987% | 107 |
| Equity capital to assets | 8.3843% | 5,050 |
| Core capital (leverage) ratio | 8.2980% | 5,104 |
| Tier 1 risk-based capital ratio | 16.6591% | 2,211 |
| Total risk-based capital ratio | 16.9392% | 2,498 |
| Memoranda: | ||
| Average total assets | $400,115,500 | 1,767 |
| Average earning assets | $375,204,500 | 1,750 |
| Average equity | $33,671,500 | 2,208 |
| Average total loans | $156,225,500 | 2,624 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2812% | 5,095 |
| Cost of funding earning assets | 0.7470% | 1,807 |
| Net interest margin | 2.5342% | 5,200 |
| Noninterest income to average assets | 0.3105% | 4,034 |
| Noninterest expense to average assets | 2.3748% | 3,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3082% | 4,995 |
| Return on assets (ROA) | 0.3082% | 4,990 |
| Pretax return on assets | 0.3147% | 5,035 |
| Return on Equity (ROE) | 3.7369% | 4,772 |
| Retained earnings to average equity (ytd only) | 2.2349% | 4,265 |
| Net charge-offs to loans | 0.0013% | 3,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 635.0000% | 169 |
| Efficiency ratio | 88.2992% | 417 |
| Assets per employee ($millions) | 5.5909% | 1,873 |
| Cash dividends to net income (ytd only)* | 40.1929% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3627% | 5,243 |
| Loan loss allowance to noncurrent loans | 725.6410% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 4,782 |
| Noncurrent loans to loans | 0.0500% | 4,518 |
| Net loans and leases to total assets | 39.1712% | 4,973 |
| Net loans and leases to deposits | 42.8408% | 5,053 |
| Net loans and leases to core deposits | 48.2357% | 4,986 |
| Total domestic deposits to total assets | 91.4343% | 129 |
| Equity capital to assets | 8.4471% | 4,968 |
| Core capital (leverage) ratio | 8.2880% | 5,124 |
| Tier 1 risk-based capital ratio | 16.6605% | 2,183 |
| Total risk-based capital ratio | 16.9461% | 2,459 |
| Memoranda: | ||
| Average total assets | $403,571,600 | 1,701 |
| Average earning assets | $378,851,600 | 1,681 |
| Average equity | $33,290,000 | 2,138 |
| Average total loans | $156,921,200 | 2,557 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2432% | 5,174 |
| Cost of funding earning assets | 0.7261% | 1,715 |
| Net interest margin | 2.5171% | 5,273 |
| Noninterest income to average assets | 0.3155% | 4,042 |
| Noninterest expense to average assets | 2.3140% | 4,063 |
| Loan and lease loss provision to assets | 0.0724% | 2,510 |
| Net operating income to assets | 0.2974% | 5,097 |
| Return on assets (ROA) | 0.2974% | 5,091 |
| Pretax return on assets | 0.2948% | 5,141 |
| Return on Equity (ROE) | 3.6272% | 4,897 |
| Retained earnings to average equity (ytd only) | 3.6272% | 3,951 |
| Net charge-offs to loans | 0.0093% | 3,089 |
| Credit loss provision to net charge-offs | 2,000.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 101.4288% | 741 |
| Efficiency ratio | 86.3051% | 498 |
| Assets per employee ($millions) | 5.7470% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4945% | 5,193 |
| Loan loss allowance to noncurrent loans | 58.9083% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 3,354 |
| Noncurrent loans to loans | 0.8394% | 2,025 |
| Net loans and leases to total assets | 39.4286% | 5,042 |
| Net loans and leases to deposits | 43.7772% | 5,116 |
| Net loans and leases to core deposits | 49.0998% | 5,040 |
| Total domestic deposits to total assets | 90.0666% | 489 |
| Equity capital to assets | 8.4874% | 4,929 |
| Core capital (leverage) ratio | 8.3183% | 5,195 |
| Tier 1 risk-based capital ratio | 16.8270% | 2,160 |
| Total risk-based capital ratio | 17.2209% | 2,397 |
| Memoranda: | ||
| Average total assets | $405,225,750 | 1,700 |
| Average earning assets | $380,849,500 | 1,675 |
| Average equity | $33,229,750 | 2,149 |
| Average total loans | $157,137,000 | 2,570 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2007% | 5,228 |
| Cost of funding earning assets | 0.6936% | 1,656 |
| Net interest margin | 2.5071% | 5,340 |
| Noninterest income to average assets | 0.3249% | 4,019 |
| Noninterest expense to average assets | 2.2748% | 4,203 |
| Loan and lease loss provision to assets | 0.1078% | 1,819 |
| Net operating income to assets | 0.3102% | 5,104 |
| Return on assets (ROA) | 0.3102% | 5,103 |
| Pretax return on assets | 0.2999% | 5,165 |
| Return on Equity (ROE) | 3.8262% | 4,862 |
| Retained earnings to average equity (ytd only) | 3.8262% | 3,690 |
| Net charge-offs to loans | 0.0191% | 2,510 |
| Credit loss provision to net charge-offs | 1,466.6667% | 292 |
| Earnings coverage of net charge-offs (x) | 55.4667% | 1,052 |
| Efficiency ratio | 84.8009% | 643 |
| Assets per employee ($millions) | 5.6185% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4819% | 5,279 |
| Loan loss allowance to noncurrent loans | 32.1414% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 0.6029% | 2,412 |
| Noncurrent loans to loans | 1.4992% | 1,120 |
| Net loans and leases to total assets | 40.0212% | 5,052 |
| Net loans and leases to deposits | 45.8434% | 5,103 |
| Net loans and leases to core deposits | 51.5100% | 5,011 |
| Total domestic deposits to total assets | 87.2998% | 1,727 |
| Equity capital to assets | 8.3675% | 5,039 |
| Core capital (leverage) ratio | 8.1742% | 5,278 |
| Tier 1 risk-based capital ratio | 16.3380% | 2,314 |
| Total risk-based capital ratio | 16.7216% | 2,588 |
| Memoranda: | ||
| Average total assets | $408,120,330 | 1,689 |
| Average earning assets | $383,796,670 | 1,667 |
| Average equity | $33,087,670 | 2,166 |
| Average total loans | $157,140,000 | 2,582 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1346% | 5,289 |
| Cost of funding earning assets | 0.6691% | 1,610 |
| Net interest margin | 2.4655% | 5,416 |
| Noninterest income to average assets | 0.3654% | 3,699 |
| Noninterest expense to average assets | 2.2184% | 4,372 |
| Loan and lease loss provision to assets | 0.0969% | 1,899 |
| Net operating income to assets | 0.3305% | 5,047 |
| Return on assets (ROA) | 0.3305% | 5,052 |
| Pretax return on assets | 0.3712% | 5,071 |
| Return on Equity (ROE) | 4.1406% | 4,733 |
| Retained earnings to average equity (ytd only) | 4.1406% | 3,543 |
| Net charge-offs to loans | -0.0103% | 4,261 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5758% | 896 |
| Assets per employee ($millions) | 5.9328% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4237% | 5,410 |
| Loan loss allowance to noncurrent loans | 700.0000% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 4,998 |
| Noncurrent loans to loans | 0.0605% | 4,707 |
| Net loans and leases to total assets | 38.0313% | 5,137 |
| Net loans and leases to deposits | 41.3665% | 5,239 |
| Net loans and leases to core deposits | 45.8098% | 5,168 |
| Total domestic deposits to total assets | 91.9373% | 114 |
| Equity capital to assets | 7.9693% | 5,285 |
| Core capital (leverage) ratio | 7.9007% | 5,416 |
| Tier 1 risk-based capital ratio | 16.2575% | 2,372 |
| Total risk-based capital ratio | 16.5923% | 2,661 |
| Memoranda: | ||
| Average total assets | $412,723,500 | 1,675 |
| Average earning assets | $388,562,000 | 1,654 |
| Average equity | $32,942,000 | 2,188 |
| Average total loans | $155,498,500 | 2,622 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0505% | 5,325 |
| Cost of funding earning assets | 0.5369% | 2,058 |
| Net interest margin | 2.5136% | 5,402 |
| Noninterest income to average assets | 0.2840% | 4,429 |
| Noninterest expense to average assets | 2.1896% | 4,549 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3904% | 4,727 |
| Return on assets (ROA) | 0.3904% | 4,739 |
| Pretax return on assets | 0.4554% | 5,008 |
| Return on Equity (ROE) | 4.7971% | 4,247 |
| Retained earnings to average equity (ytd only) | 3.2556% | 3,352 |
| Net charge-offs to loans | 0.0919% | 2,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 12.9643% | 2,433 |
| Efficiency ratio | 82.7832% | 871 |
| Assets per employee ($millions) | 6.1217% | 1,435 |
| Cash dividends to net income (ytd only)* | 32.1337% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3734% | 5,509 |
| Loan loss allowance to noncurrent loans | 677.3810% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 5,053 |
| Noncurrent loans to loans | 0.0551% | 4,749 |
| Net loans and leases to total assets | 37.0141% | 5,256 |
| Net loans and leases to deposits | 40.2904% | 5,336 |
| Net loans and leases to core deposits | 44.6888% | 5,278 |
| Total domestic deposits to total assets | 91.8681% | 90 |
| Equity capital to assets | 7.9941% | 5,395 |
| Core capital (leverage) ratio | 8.0613% | 5,419 |
| Tier 1 risk-based capital ratio | 16.5675% | 2,241 |
| Total risk-based capital ratio | 16.8599% | 2,520 |
| Memoranda: | ||
| Average total assets | $398,572,400 | 1,707 |
| Average earning assets | $374,368,200 | 1,687 |
| Average equity | $32,436,000 | 2,198 |
| Average total loans | $152,417,200 | 2,631 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0527% | 5,377 |
| Cost of funding earning assets | 0.5177% | 2,129 |
| Net interest margin | 2.5349% | 5,448 |
| Noninterest income to average assets | 0.2807% | 4,511 |
| Noninterest expense to average assets | 2.1977% | 4,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3912% | 5,014 |
| Return on assets (ROA) | 0.3912% | 5,046 |
| Pretax return on assets | 0.4637% | 5,094 |
| Return on Equity (ROE) | 4.7853% | 4,607 |
| Retained earnings to average equity (ytd only) | 4.7853% | 3,029 |
| Net charge-offs to loans | 0.1111% | 1,674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 10.8346% | 2,553 |
| Efficiency ratio | 82.5779% | 870 |
| Assets per employee ($millions) | 5.4805% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3816% | 5,569 |
| Loan loss allowance to noncurrent loans | 476.2295% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 5,084 |
| Noncurrent loans to loans | 0.0801% | 4,752 |
| Net loans and leases to total assets | 38.4398% | 5,251 |
| Net loans and leases to deposits | 42.0269% | 5,364 |
| Net loans and leases to core deposits | 46.7312% | 5,291 |
| Total domestic deposits to total assets | 91.4648% | 106 |
| Equity capital to assets | 8.3492% | 5,371 |
| Core capital (leverage) ratio | 8.2944% | 5,375 |
| Tier 1 risk-based capital ratio | 15.9863% | 2,515 |
| Total risk-based capital ratio | 16.2735% | 2,838 |
| Memoranda: | ||
| Average total assets | $395,677,500 | 1,731 |
| Average earning assets | $371,600,750 | 1,712 |
| Average equity | $32,348,000 | 2,220 |
| Average total loans | $152,425,750 | 2,646 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0601% | 5,389 |
| Cost of funding earning assets | 0.4923% | 2,240 |
| Net interest margin | 2.5678% | 5,456 |
| Noninterest income to average assets | 0.2722% | 4,597 |
| Noninterest expense to average assets | 2.1786% | 4,603 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4197% | 4,931 |
| Return on assets (ROA) | 0.4197% | 4,959 |
| Pretax return on assets | 0.5040% | 4,999 |
| Return on Equity (ROE) | 5.1697% | 4,407 |
| Retained earnings to average equity (ytd only) | 5.1697% | 2,597 |
| Net charge-offs to loans | 0.2413% | 846 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 5.4239% | 2,827 |
| Efficiency ratio | 81.2123% | 1,086 |
| Assets per employee ($millions) | 5.4903% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3333% | 5,650 |
| Loan loss allowance to noncurrent loans | 646.9136% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 5,198 |
| Noncurrent loans to loans | 0.0515% | 4,933 |
| Net loans and leases to total assets | 39.6332% | 5,238 |
| Net loans and leases to deposits | 43.2563% | 5,358 |
| Net loans and leases to core deposits | 48.0648% | 5,282 |
| Total domestic deposits to total assets | 91.6241% | 116 |
| Equity capital to assets | 8.2474% | 5,420 |
| Core capital (leverage) ratio | 8.1792% | 5,442 |
| Tier 1 risk-based capital ratio | 15.9858% | 2,515 |
| Total risk-based capital ratio | 16.2476% | 2,862 |
| Memoranda: | ||
| Average total assets | $396,037,000 | 1,737 |
| Average earning assets | $371,755,330 | 1,718 |
| Average equity | $32,148,670 | 2,222 |
| Average total loans | $152,479,670 | 2,654 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0469% | 5,413 |
| Cost of funding earning assets | 0.4639% | 2,388 |
| Net interest margin | 2.5831% | 5,482 |
| Noninterest income to average assets | 0.2634% | 4,656 |
| Noninterest expense to average assets | 2.1755% | 4,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4238% | 4,877 |
| Return on assets (ROA) | 0.4238% | 4,898 |
| Pretax return on assets | 0.5096% | 4,949 |
| Return on Equity (ROE) | 5.2618% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.2618% | 2,751 |
| Net charge-offs to loans | 0.0053% | 2,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 252.5000% | 230 |
| Efficiency ratio | 81.0222% | 1,255 |
| Assets per employee ($millions) | 5.9971% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4682% | 5,621 |
| Loan loss allowance to noncurrent loans | 212.6506% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 4,936 |
| Noncurrent loans to loans | 0.2202% | 4,315 |
| Net loans and leases to total assets | 37.9174% | 5,329 |
| Net loans and leases to deposits | 41.3278% | 5,429 |
| Net loans and leases to core deposits | 45.7410% | 5,371 |
| Total domestic deposits to total assets | 91.7478% | 136 |
| Equity capital to assets | 8.1239% | 5,463 |
| Core capital (leverage) ratio | 7.9953% | 5,560 |
| Tier 1 risk-based capital ratio | 16.1836% | 2,479 |
| Total risk-based capital ratio | 16.5445% | 2,768 |
| Memoranda: | ||
| Average total assets | $396,410,000 | 1,747 |
| Average earning assets | $371,650,500 | 1,725 |
| Average equity | $31,928,000 | 2,243 |
| Average total loans | $150,122,500 | 2,700 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0194% | 5,489 |
| Cost of funding earning assets | 0.4676% | 2,377 |
| Net interest margin | 2.5519% | 5,558 |
| Noninterest income to average assets | 0.2642% | 4,842 |
| Noninterest expense to average assets | 2.1702% | 4,841 |
| Loan and lease loss provision to assets | 0.0085% | 4,197 |
| Net operating income to assets | 0.4023% | 4,937 |
| Return on assets (ROA) | 0.4155% | 4,973 |
| Pretax return on assets | 0.4918% | 5,040 |
| Return on Equity (ROE) | 5.1790% | 4,337 |
| Retained earnings to average equity (ytd only) | 3.5666% | 3,386 |
| Net charge-offs to loans | 0.0796% | 2,551 |
| Credit loss provision to net charge-offs | 28.2051% | 3,609 |
| Earnings coverage of net charge-offs (x) | 16.0085% | 2,147 |
| Efficiency ratio | 81.7464% | 1,233 |
| Assets per employee ($millions) | 6.3018% | 1,258 |
| Cash dividends to net income (ytd only)* | 31.1333% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4737% | 5,680 |
| Loan loss allowance to noncurrent loans | 370.6806% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 5,149 |
| Noncurrent loans to loans | 0.1278% | 4,724 |
| Net loans and leases to total assets | 37.4676% | 5,420 |
| Net loans and leases to deposits | 41.1292% | 5,514 |
| Net loans and leases to core deposits | 45.8744% | 5,437 |
| Total domestic deposits to total assets | 91.0975% | 249 |
| Equity capital to assets | 7.9849% | 5,571 |
| Core capital (leverage) ratio | 7.9615% | 5,636 |
| Tier 1 risk-based capital ratio | 16.0897% | 2,507 |
| Total risk-based capital ratio | 16.4544% | 2,816 |
| Memoranda: | ||
| Average total assets | $386,502,200 | 1,736 |
| Average earning assets | $362,088,800 | 1,715 |
| Average equity | $31,009,600 | 2,292 |
| Average total loans | $147,064,200 | 2,677 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0228% | 5,550 |
| Cost of funding earning assets | 0.4694% | 2,370 |
| Net interest margin | 2.5535% | 5,624 |
| Noninterest income to average assets | 0.2949% | 4,657 |
| Noninterest expense to average assets | 2.1979% | 4,777 |
| Loan and lease loss provision to assets | 0.0115% | 4,013 |
| Net operating income to assets | 0.4088% | 4,988 |
| Return on assets (ROA) | 0.4088% | 5,080 |
| Pretax return on assets | 0.4797% | 5,174 |
| Return on Equity (ROE) | 5.0890% | 4,479 |
| Retained earnings to average equity (ytd only) | 5.0890% | 2,760 |
| Net charge-offs to loans | 0.0992% | 1,958 |
| Credit loss provision to net charge-offs | 30.2752% | 3,224 |
| Earnings coverage of net charge-offs (x) | 12.9725% | 2,345 |
| Efficiency ratio | 81.7360% | 1,224 |
| Assets per employee ($millions) | 6.0398% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4885% | 5,737 |
| Loan loss allowance to noncurrent loans | 152.0170% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 4,949 |
| Noncurrent loans to loans | 0.3213% | 4,101 |
| Net loans and leases to total assets | 37.1536% | 5,505 |
| Net loans and leases to deposits | 41.2096% | 5,606 |
| Net loans and leases to core deposits | 46.6263% | 5,493 |
| Total domestic deposits to total assets | 90.1576% | 427 |
| Equity capital to assets | 8.1362% | 5,693 |
| Core capital (leverage) ratio | 8.2612% | 5,529 |
| Tier 1 risk-based capital ratio | 16.3296% | 2,481 |
| Total risk-based capital ratio | 16.7038% | 2,782 |
| Memoranda: | ||
| Average total assets | $383,874,750 | 1,745 |
| Average earning assets | $359,921,000 | 1,724 |
| Average equity | $30,836,750 | 2,310 |
| Average total loans | $146,465,500 | 2,694 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0538% | 5,592 |
| Cost of funding earning assets | 0.4786% | 2,283 |
| Net interest margin | 2.5752% | 5,691 |
| Noninterest income to average assets | 0.2830% | 4,761 |
| Noninterest expense to average assets | 2.2023% | 4,836 |
| Loan and lease loss provision to assets | 0.0173% | 3,773 |
| Net operating income to assets | 0.4095% | 5,010 |
| Return on assets (ROA) | 0.4095% | 5,092 |
| Pretax return on assets | 0.4783% | 5,178 |
| Return on Equity (ROE) | 5.1201% | 4,460 |
| Retained earnings to average equity (ytd only) | 5.1201% | 2,652 |
| Net charge-offs to loans | 0.0369% | 2,719 |
| Credit loss provision to net charge-offs | 122.2222% | 1,840 |
| Earnings coverage of net charge-offs (x) | 34.9630% | 1,263 |
| Efficiency ratio | 81.6307% | 1,314 |
| Assets per employee ($millions) | 5.6707% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5315% | 5,764 |
| Loan loss allowance to noncurrent loans | 129.1262% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 4,834 |
| Noncurrent loans to loans | 0.4116% | 3,881 |
| Net loans and leases to total assets | 40.5132% | 5,396 |
| Net loans and leases to deposits | 44.3732% | 5,546 |
| Net loans and leases to core deposits | 50.2581% | 5,418 |
| Total domestic deposits to total assets | 91.3010% | 138 |
| Equity capital to assets | 8.5600% | 5,564 |
| Core capital (leverage) ratio | 8.2104% | 5,594 |
| Tier 1 risk-based capital ratio | 15.9985% | 2,644 |
| Total risk-based capital ratio | 16.4124% | 2,934 |
| Memoranda: | ||
| Average total assets | $380,970,000 | 1,758 |
| Average earning assets | $357,255,000 | 1,743 |
| Average equity | $30,468,330 | 2,337 |
| Average total loans | $146,428,330 | 2,697 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0323% | 5,664 |
| Cost of funding earning assets | 0.4758% | 2,321 |
| Net interest margin | 2.5565% | 5,762 |
| Noninterest income to average assets | 0.2562% | 4,901 |
| Noninterest expense to average assets | 2.1790% | 4,954 |
| Loan and lease loss provision to assets | 0.0341% | 3,205 |
| Net operating income to assets | 0.3823% | 5,049 |
| Return on assets (ROA) | 0.3823% | 5,119 |
| Pretax return on assets | 0.4412% | 5,227 |
| Return on Equity (ROE) | 4.9454% | 4,511 |
| Retained earnings to average equity (ytd only) | 4.9454% | 2,980 |
| Net charge-offs to loans | 0.0553% | 1,965 |
| Credit loss provision to net charge-offs | 165.0000% | 1,217 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,383 |
| Efficiency ratio | 82.0942% | 1,364 |
| Assets per employee ($millions) | 6.0595% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5460% | 5,822 |
| Loan loss allowance to noncurrent loans | 193.9759% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 5,149 |
| Noncurrent loans to loans | 0.2815% | 4,424 |
| Net loans and leases to total assets | 37.8081% | 5,563 |
| Net loans and leases to deposits | 41.0805% | 5,679 |
| Net loans and leases to core deposits | 46.4474% | 5,569 |
| Total domestic deposits to total assets | 92.0342% | 107 |
| Equity capital to assets | 7.7714% | 5,888 |
| Core capital (leverage) ratio | 7.6047% | 5,903 |
| Tier 1 risk-based capital ratio | 15.3871% | 2,976 |
| Total risk-based capital ratio | 15.8078% | 3,304 |
| Memoranda: | ||
| Average total assets | $387,157,000 | 1,734 |
| Average earning assets | $363,156,500 | 1,714 |
| Average equity | $29,926,500 | 2,373 |
| Average total loans | $144,578,500 | 2,723 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0515% | 5,687 |
| Cost of funding earning assets | 0.4698% | 2,442 |
| Net interest margin | 2.5816% | 5,771 |
| Noninterest income to average assets | 0.2871% | 4,836 |
| Noninterest expense to average assets | 2.1654% | 5,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4586% | 4,849 |
| Return on assets (ROA) | 0.4586% | 4,930 |
| Pretax return on assets | 0.5336% | 5,035 |
| Return on Equity (ROE) | 5.9012% | 4,072 |
| Retained earnings to average equity (ytd only) | 4.1907% | 3,006 |
| Net charge-offs to loans | 0.0460% | 3,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 32.3710% | 1,377 |
| Efficiency ratio | 80.2305% | 1,641 |
| Assets per employee ($millions) | 6.2340% | 1,235 |
| Cash dividends to net income (ytd only)* | 28.9855% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5595% | 5,860 |
| Loan loss allowance to noncurrent loans | 154.2802% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 5,062 |
| Noncurrent loans to loans | 0.3627% | 4,151 |
| Net loans and leases to total assets | 36.4642% | 5,692 |
| Net loans and leases to deposits | 39.5971% | 5,783 |
| Net loans and leases to core deposits | 44.5296% | 5,699 |
| Total domestic deposits to total assets | 92.0881% | 105 |
| Equity capital to assets | 7.6881% | 5,947 |
| Core capital (leverage) ratio | 7.8783% | 5,882 |
| Tier 1 risk-based capital ratio | 16.0255% | 2,674 |
| Total risk-based capital ratio | 16.4623% | 3,012 |
| Memoranda: | ||
| Average total assets | $376,138,600 | 1,746 |
| Average earning assets | $351,406,400 | 1,720 |
| Average equity | $29,231,200 | 2,373 |
| Average total loans | $134,710,600 | 2,806 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0668% | 5,750 |
| Cost of funding earning assets | 0.4755% | 2,449 |
| Net interest margin | 2.5913% | 5,842 |
| Noninterest income to average assets | 0.2913% | 4,861 |
| Noninterest expense to average assets | 2.1598% | 5,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4840% | 4,844 |
| Return on assets (ROA) | 0.4840% | 4,942 |
| Pretax return on assets | 0.5511% | 5,094 |
| Return on Equity (ROE) | 6.2107% | 4,047 |
| Retained earnings to average equity (ytd only) | 6.2107% | 2,111 |
| Net charge-offs to loans | 0.0281% | 3,384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 55.1465% | 976 |
| Efficiency ratio | 79.6708% | 1,708 |
| Assets per employee ($millions) | 6.0652% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5973% | 5,899 |
| Loan loss allowance to noncurrent loans | 146.7140% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 5,154 |
| Noncurrent loans to loans | 0.4071% | 4,152 |
| Net loans and leases to total assets | 37.1572% | 5,741 |
| Net loans and leases to deposits | 41.3553% | 5,825 |
| Net loans and leases to core deposits | 45.5147% | 5,746 |
| Total domestic deposits to total assets | 89.8486% | 640 |
| Equity capital to assets | 8.0735% | 5,933 |
| Core capital (leverage) ratio | 7.9142% | 5,940 |
| Tier 1 risk-based capital ratio | 16.6595% | 2,497 |
| Total risk-based capital ratio | 17.1304% | 2,795 |
| Memoranda: | ||
| Average total assets | $373,546,250 | 1,771 |
| Average earning assets | $348,803,750 | 1,752 |
| Average equity | $29,110,250 | 2,399 |
| Average total loans | $132,955,750 | 2,854 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0282% | 5,832 |
| Cost of funding earning assets | 0.4779% | 2,449 |
| Net interest margin | 2.5504% | 5,922 |
| Noninterest income to average assets | 0.2818% | 4,939 |
| Noninterest expense to average assets | 2.1615% | 5,198 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4440% | 4,988 |
| Return on assets (ROA) | 0.4440% | 5,087 |
| Pretax return on assets | 0.5044% | 5,212 |
| Return on Equity (ROE) | 5.7664% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.7664% | 2,370 |
| Net charge-offs to loans | 0.0259% | 3,165 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 55.5882% | 888 |
| Efficiency ratio | 81.0811% | 1,613 |
| Assets per employee ($millions) | 6.3161% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6244% | 5,938 |
| Loan loss allowance to noncurrent loans | 597.8571% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 5,714 |
| Noncurrent loans to loans | 0.1044% | 5,328 |
| Net loans and leases to total assets | 35.7487% | 5,832 |
| Net loans and leases to deposits | 39.2650% | 5,924 |
| Net loans and leases to core deposits | 43.4886% | 5,848 |
| Total domestic deposits to total assets | 91.0447% | 284 |
| Equity capital to assets | 7.8535% | 6,032 |
| Core capital (leverage) ratio | 7.6198% | 6,064 |
| Tier 1 risk-based capital ratio | 16.9079% | 2,441 |
| Total risk-based capital ratio | 17.4010% | 2,730 |
| Memoranda: | ||
| Average total assets | $374,736,000 | 1,775 |
| Average earning assets | $350,303,670 | 1,743 |
| Average equity | $28,857,000 | 2,431 |
| Average total loans | $131,174,670 | 2,888 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9577% | 5,936 |
| Cost of funding earning assets | 0.4786% | 2,465 |
| Net interest margin | 2.4792% | 6,040 |
| Noninterest income to average assets | 0.2565% | 5,124 |
| Noninterest expense to average assets | 2.1694% | 5,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3598% | 5,222 |
| Return on assets (ROA) | 0.3598% | 5,338 |
| Pretax return on assets | 0.4088% | 5,415 |
| Return on Equity (ROE) | 4.7186% | 4,655 |
| Retained earnings to average equity (ytd only) | 4.7186% | 3,208 |
| Net charge-offs to loans | 0.0370% | 2,467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,108 |
| Efficiency ratio | 84.1453% | 1,367 |
| Assets per employee ($millions) | 6.0873% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6463% | 5,992 |
| Loan loss allowance to noncurrent loans | 404.8077% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 5,719 |
| Noncurrent loans to loans | 0.1597% | 5,206 |
| Net loans and leases to total assets | 33.2221% | 5,950 |
| Net loans and leases to deposits | 35.9263% | 6,060 |
| Net loans and leases to core deposits | 39.5685% | 5,986 |
| Total domestic deposits to total assets | 92.4731% | 95 |
| Equity capital to assets | 7.4109% | 6,199 |
| Core capital (leverage) ratio | 7.5241% | 6,130 |
| Tier 1 risk-based capital ratio | 16.6295% | 2,623 |
| Total risk-based capital ratio | 17.1259% | 2,921 |
| Memoranda: | ||
| Average total assets | $375,779,500 | 1,777 |
| Average earning assets | $351,890,500 | 1,747 |
| Average equity | $28,652,500 | 2,453 |
| Average total loans | $129,735,000 | 2,915 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1075% | 5,948 |
| Cost of funding earning assets | 0.4834% | 2,842 |
| Net interest margin | 2.6241% | 6,041 |
| Noninterest income to average assets | 0.2937% | 5,018 |
| Noninterest expense to average assets | 2.0836% | 5,613 |
| Loan and lease loss provision to assets | 0.0137% | 4,345 |
| Net operating income to assets | 0.5506% | 4,595 |
| Return on assets (ROA) | 0.5506% | 4,684 |
| Pretax return on assets | 0.6679% | 4,733 |
| Return on Equity (ROE) | 7.1042% | 3,572 |
| Retained earnings to average equity (ytd only) | 4.9471% | 2,636 |
| Net charge-offs to loans | 0.0362% | 4,111 |
| Credit loss provision to net charge-offs | 108.8889% | 2,193 |
| Earnings coverage of net charge-offs (x) | 54.3556% | 861 |
| Efficiency ratio | 75.3527% | 2,622 |
| Assets per employee ($millions) | 5.9340% | 1,428 |
| Cash dividends to net income (ytd only)* | 30.3644% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6610% | 6,057 |
| Loan loss allowance to noncurrent loans | 466.6667% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 5,821 |
| Noncurrent loans to loans | 0.1416% | 5,329 |
| Net loans and leases to total assets | 35.4572% | 5,977 |
| Net loans and leases to deposits | 38.5528% | 6,079 |
| Net loans and leases to core deposits | 42.6550% | 6,008 |
| Total domestic deposits to total assets | 91.9704% | 150 |
| Equity capital to assets | 7.8550% | 6,124 |
| Core capital (leverage) ratio | 7.9332% | 6,036 |
| Tier 1 risk-based capital ratio | 17.4974% | 2,317 |
| Total risk-based capital ratio | 18.0336% | 2,554 |
| Memoranda: | ||
| Average total assets | $358,898,800 | 1,819 |
| Average earning assets | $338,017,600 | 1,773 |
| Average equity | $27,814,400 | 2,421 |
| Average total loans | $124,472,600 | 2,964 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1237% | 5,997 |
| Cost of funding earning assets | 0.4826% | 2,928 |
| Net interest margin | 2.6411% | 6,083 |
| Noninterest income to average assets | 0.2971% | 5,078 |
| Noninterest expense to average assets | 2.0443% | 5,691 |
| Loan and lease loss provision to assets | 0.0182% | 4,044 |
| Net operating income to assets | 0.5849% | 4,512 |
| Return on assets (ROA) | 0.5849% | 4,597 |
| Pretax return on assets | 0.7241% | 4,613 |
| Return on Equity (ROE) | 7.5728% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.5728% | 1,545 |
| Net charge-offs to loans | 0.0335% | 3,815 |
| Credit loss provision to net charge-offs | 158.0645% | 1,519 |
| Earnings coverage of net charge-offs (x) | 64.3262% | 823 |
| Efficiency ratio | 73.3601% | 2,928 |
| Assets per employee ($millions) | 5.7393% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7100% | 6,083 |
| Loan loss allowance to noncurrent loans | 396.3470% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 5,897 |
| Noncurrent loans to loans | 0.1791% | 5,376 |
| Net loans and leases to total assets | 35.2506% | 6,058 |
| Net loans and leases to deposits | 39.3938% | 6,134 |
| Net loans and leases to core deposits | 43.7020% | 6,050 |
| Total domestic deposits to total assets | 89.4827% | 988 |
| Equity capital to assets | 8.2870% | 5,956 |
| Core capital (leverage) ratio | 8.1100% | 6,001 |
| Tier 1 risk-based capital ratio | 18.8388% | 1,947 |
| Total risk-based capital ratio | 19.4215% | 2,116 |
| Memoranda: | ||
| Average total assets | $358,130,500 | 1,833 |
| Average earning assets | $337,580,500 | 1,786 |
| Average equity | $27,659,750 | 2,442 |
| Average total loans | $123,291,000 | 3,004 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1006% | 6,062 |
| Cost of funding earning assets | 0.4780% | 3,044 |
| Net interest margin | 2.6226% | 6,149 |
| Noninterest income to average assets | 0.2829% | 5,160 |
| Noninterest expense to average assets | 2.0059% | 5,834 |
| Loan and lease loss provision to assets | 0.0270% | 3,733 |
| Net operating income to assets | 0.5756% | 4,482 |
| Return on assets (ROA) | 0.5756% | 4,586 |
| Pretax return on assets | 0.7245% | 4,553 |
| Return on Equity (ROE) | 7.6295% | 3,305 |
| Retained earnings to average equity (ytd only) | 7.6295% | 1,465 |
| Net charge-offs to loans | 0.0243% | 3,711 |
| Credit loss provision to net charge-offs | 326.6667% | 800 |
| Earnings coverage of net charge-offs (x) | 90.8667% | 596 |
| Efficiency ratio | 72.7455% | 3,202 |
| Assets per employee ($millions) | 6.3409% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7303% | 6,125 |
| Loan loss allowance to noncurrent loans | 449.2386% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 6,014 |
| Noncurrent loans to loans | 0.1626% | 5,525 |
| Net loans and leases to total assets | 33.8773% | 6,153 |
| Net loans and leases to deposits | 37.6398% | 6,239 |
| Net loans and leases to core deposits | 41.2134% | 6,183 |
| Total domestic deposits to total assets | 90.0039% | 810 |
| Equity capital to assets | 7.8825% | 6,219 |
| Core capital (leverage) ratio | 7.7425% | 6,231 |
| Tier 1 risk-based capital ratio | 18.5502% | 2,051 |
| Total risk-based capital ratio | 19.1464% | 2,245 |
| Memoranda: | ||
| Average total assets | $362,721,670 | 1,806 |
| Average earning assets | $342,257,000 | 1,754 |
| Average equity | $27,367,330 | 2,450 |
| Average total loans | $123,636,000 | 2,998 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0690% | 6,160 |
| Cost of funding earning assets | 0.4726% | 3,203 |
| Net interest margin | 2.5964% | 6,245 |
| Noninterest income to average assets | 0.2597% | 5,278 |
| Noninterest expense to average assets | 1.9414% | 5,992 |
| Loan and lease loss provision to assets | 0.0316% | 3,407 |
| Net operating income to assets | 0.5467% | 4,471 |
| Return on assets (ROA) | 0.5467% | 4,542 |
| Pretax return on assets | 0.7388% | 4,355 |
| Return on Equity (ROE) | 7.4069% | 3,249 |
| Retained earnings to average equity (ytd only) | 7.4069% | 1,856 |
| Net charge-offs to loans | 0.0224% | 3,126 |
| Credit loss provision to net charge-offs | 414.2857% | 637 |
| Earnings coverage of net charge-offs (x) | 100.8571% | 456 |
| Efficiency ratio | 71.5895% | 3,561 |
| Assets per employee ($millions) | 6.6022% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7022% | 6,275 |
| Loan loss allowance to noncurrent loans | 168.2081% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 5,828 |
| Noncurrent loans to loans | 0.4175% | 4,884 |
| Net loans and leases to total assets | 33.3891% | 6,208 |
| Net loans and leases to deposits | 36.3260% | 6,303 |
| Net loans and leases to core deposits | 39.6937% | 6,249 |
| Total domestic deposits to total assets | 91.9153% | 266 |
| Equity capital to assets | 7.3988% | 6,343 |
| Core capital (leverage) ratio | 7.4403% | 6,360 |
| Tier 1 risk-based capital ratio | 17.5771% | 2,457 |
| Total risk-based capital ratio | 18.1455% | 2,693 |
| Memoranda: | ||
| Average total assets | $366,537,500 | 1,792 |
| Average earning assets | $346,175,000 | 1,739 |
| Average equity | $27,056,000 | 2,465 |
| Average total loans | $124,864,000 | 2,974 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1328% | 6,208 |
| Cost of funding earning assets | 0.5141% | 3,459 |
| Net interest margin | 2.6187% | 6,242 |
| Noninterest income to average assets | 0.3174% | 5,065 |
| Noninterest expense to average assets | 1.8019% | 6,314 |
| Loan and lease loss provision to assets | 0.0151% | 4,824 |
| Net operating income to assets | 0.7386% | 3,614 |
| Return on assets (ROA) | 0.7386% | 3,695 |
| Pretax return on assets | 0.9608% | 3,512 |
| Return on Equity (ROE) | 10.1447% | 2,056 |
| Retained earnings to average equity (ytd only) | 8.2204% | 981 |
| Net charge-offs to loans | 0.0241% | 4,942 |
| Credit loss provision to net charge-offs | 180.0000% | 1,274 |
| Earnings coverage of net charge-offs (x) | 116.1000% | 410 |
| Efficiency ratio | 64.8679% | 4,755 |
| Assets per employee ($millions) | 6.3746% | 1,054 |
| Cash dividends to net income (ytd only)* | 18.9681% | 3,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6778% | 6,376 |
| Loan loss allowance to noncurrent loans | 130.9707% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 5,778 |
| Noncurrent loans to loans | 0.5175% | 4,697 |
| Net loans and leases to total assets | 34.2802% | 6,280 |
| Net loans and leases to deposits | 37.3031% | 6,392 |
| Net loans and leases to core deposits | 40.9020% | 6,333 |
| Total domestic deposits to total assets | 91.8963% | 304 |
| Equity capital to assets | 7.3639% | 6,340 |
| Core capital (leverage) ratio | 7.5453% | 6,352 |
| Tier 1 risk-based capital ratio | 16.8501% | 2,682 |
| Total risk-based capital ratio | 17.3907% | 2,989 |
| Memoranda: | ||
| Average total assets | $356,908,200 | 1,819 |
| Average earning assets | $335,322,400 | 1,772 |
| Average equity | $25,984,000 | 2,548 |
| Average total loans | $124,463,000 | 2,951 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1227% | 6,294 |
| Cost of funding earning assets | 0.5183% | 3,582 |
| Net interest margin | 2.6044% | 6,308 |
| Noninterest income to average assets | 0.3242% | 5,088 |
| Noninterest expense to average assets | 1.7975% | 6,341 |
| Loan and lease loss provision to assets | 0.0173% | 4,668 |
| Net operating income to assets | 0.7318% | 3,688 |
| Return on assets (ROA) | 0.7318% | 3,817 |
| Pretax return on assets | 0.9550% | 3,672 |
| Return on Equity (ROE) | 10.0809% | 2,148 |
| Retained earnings to average equity (ytd only) | 10.0809% | 771 |
| Net charge-offs to loans | 0.0236% | 4,661 |
| Credit loss provision to net charge-offs | 209.0909% | 1,160 |
| Earnings coverage of net charge-offs (x) | 117.7832% | 437 |
| Efficiency ratio | 64.8964% | 4,666 |
| Assets per employee ($millions) | 5.8832% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6567% | 6,493 |
| Loan loss allowance to noncurrent loans | 502.9586% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 6,317 |
| Noncurrent loans to loans | 0.1306% | 5,925 |
| Net loans and leases to total assets | 37.0429% | 6,223 |
| Net loans and leases to deposits | 40.8458% | 6,357 |
| Net loans and leases to core deposits | 45.1579% | 6,241 |
| Total domestic deposits to total assets | 90.6896% | 662 |
| Equity capital to assets | 7.6622% | 6,324 |
| Core capital (leverage) ratio | 7.5805% | 6,420 |
| Tier 1 risk-based capital ratio | 16.7663% | 2,830 |
| Total risk-based capital ratio | 17.3080% | 3,121 |
| Memoranda: | ||
| Average total assets | $355,297,000 | 1,837 |
| Average earning assets | $333,632,250 | 1,795 |
| Average equity | $25,790,750 | 2,594 |
| Average total loans | $124,226,750 | 2,972 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0773% | 6,371 |
| Cost of funding earning assets | 0.5162% | 3,738 |
| Net interest margin | 2.5612% | 6,372 |
| Noninterest income to average assets | 0.3173% | 5,165 |
| Noninterest expense to average assets | 1.7753% | 6,416 |
| Loan and lease loss provision to assets | 0.0218% | 4,463 |
| Net operating income to assets | 0.7016% | 3,799 |
| Return on assets (ROA) | 0.7016% | 3,972 |
| Pretax return on assets | 0.9178% | 3,841 |
| Return on Equity (ROE) | 9.8424% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.8424% | 884 |
| Net charge-offs to loans | 0.0245% | 4,356 |
| Credit loss provision to net charge-offs | 260.0000% | 965 |
| Earnings coverage of net charge-offs (x) | 112.1333% | 426 |
| Efficiency ratio | 65.3909% | 4,655 |
| Assets per employee ($millions) | 6.1071% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6791% | 6,524 |
| Loan loss allowance to noncurrent loans | 318.3521% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 6,276 |
| Noncurrent loans to loans | 0.2133% | 5,767 |
| Net loans and leases to total assets | 35.0944% | 6,356 |
| Net loans and leases to deposits | 39.1231% | 6,447 |
| Net loans and leases to core deposits | 43.1368% | 6,361 |
| Total domestic deposits to total assets | 89.7025% | 1,204 |
| Equity capital to assets | 7.3261% | 6,503 |
| Core capital (leverage) ratio | 7.1812% | 6,568 |
| Tier 1 risk-based capital ratio | 16.5092% | 2,936 |
| Total risk-based capital ratio | 17.0571% | 3,264 |
| Memoranda: | ||
| Average total assets | $358,027,330 | 1,822 |
| Average earning assets | $335,159,330 | 1,791 |
| Average equity | $25,522,330 | 2,626 |
| Average total loans | $122,493,000 | 3,014 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0698% | 6,432 |
| Cost of funding earning assets | 0.5234% | 3,854 |
| Net interest margin | 2.5465% | 6,446 |
| Noninterest income to average assets | 0.2934% | 5,361 |
| Noninterest expense to average assets | 1.8026% | 6,435 |
| Loan and lease loss provision to assets | 0.0267% | 4,132 |
| Net operating income to assets | 0.6234% | 4,105 |
| Return on assets (ROA) | 0.6234% | 4,261 |
| Pretax return on assets | 0.8379% | 4,011 |
| Return on Equity (ROE) | 8.8666% | 2,543 |
| Retained earnings to average equity (ytd only) | 8.8666% | 1,426 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5833% | 4,395 |
| Assets per employee ($millions) | 6.1536% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6979% | 6,603 |
| Loan loss allowance to noncurrent loans | 267.2956% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 6,323 |
| Noncurrent loans to loans | 0.2611% | 5,755 |
| Net loans and leases to total assets | 33.8850% | 6,425 |
| Net loans and leases to deposits | 37.4665% | 6,524 |
| Net loans and leases to core deposits | 40.8811% | 6,444 |
| Total domestic deposits to total assets | 90.4407% | 795 |
| Equity capital to assets | 7.1651% | 6,682 |
| Core capital (leverage) ratio | 6.9973% | 6,644 |
| Tier 1 risk-based capital ratio | 16.4367% | 3,042 |
| Total risk-based capital ratio | 16.9973% | 3,359 |
| Memoranda: | ||
| Average total assets | $359,934,500 | 1,837 |
| Average earning assets | $335,522,000 | 1,804 |
| Average equity | $25,308,500 | 2,678 |
| Average total loans | $121,160,000 | 3,064 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3683% | 6,516 |
| Cost of funding earning assets | 0.7078% | 3,435 |
| Net interest margin | 2.6604% | 6,575 |
| Noninterest income to average assets | 0.3128% | 5,216 |
| Noninterest expense to average assets | 1.8712% | 6,531 |
| Loan and lease loss provision to assets | 0.0214% | 5,630 |
| Net operating income to assets | 0.7036% | 3,718 |
| Return on assets (ROA) | 0.7036% | 3,973 |
| Pretax return on assets | 0.9026% | 3,909 |
| Return on Equity (ROE) | 9.8382% | 2,240 |
| Retained earnings to average equity (ytd only) | 6.7637% | 1,687 |
| Net charge-offs to loans | 0.0407% | 5,353 |
| Credit loss provision to net charge-offs | 155.3191% | 1,737 |
| Earnings coverage of net charge-offs (x) | 67.0638% | 539 |
| Efficiency ratio | 66.9428% | 4,340 |
| Assets per employee ($millions) | 6.1518% | 1,192 |
| Cash dividends to net income (ytd only)* | 31.2500% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6853% | 6,657 |
| Loan loss allowance to noncurrent loans | 231.3725% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 6,343 |
| Noncurrent loans to loans | 0.2962% | 5,739 |
| Net loans and leases to total assets | 32.9803% | 6,592 |
| Net loans and leases to deposits | 35.6939% | 6,688 |
| Net loans and leases to core deposits | 38.9770% | 6,645 |
| Total domestic deposits to total assets | 92.3975% | 186 |
| Equity capital to assets | 6.9000% | 6,789 |
| Core capital (leverage) ratio | 7.1493% | 6,656 |
| Tier 1 risk-based capital ratio | 15.9284% | 3,199 |
| Total risk-based capital ratio | 16.4685% | 3,545 |
| Memoranda: | ||
| Average total assets | $341,116,600 | 1,898 |
| Average earning assets | $318,293,400 | 1,860 |
| Average equity | $24,394,800 | 2,721 |
| Average total loans | $115,503,200 | 3,175 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4500% | 6,560 |
| Cost of funding earning assets | 0.7374% | 3,461 |
| Net interest margin | 2.7126% | 6,630 |
| Noninterest income to average assets | 0.3142% | 5,269 |
| Noninterest expense to average assets | 1.9007% | 6,521 |
| Loan and lease loss provision to assets | 0.0290% | 5,418 |
| Net operating income to assets | 0.6975% | 3,929 |
| Return on assets (ROA) | 0.6975% | 4,174 |
| Pretax return on assets | 0.9283% | 3,998 |
| Return on Equity (ROE) | 9.6617% | 2,518 |
| Retained earnings to average equity (ytd only) | 9.6617% | 1,009 |
| Net charge-offs to loans | 0.0280% | 5,269 |
| Credit loss provision to net charge-offs | 304.1667% | 888 |
| Earnings coverage of net charge-offs (x) | 100.4141% | 423 |
| Efficiency ratio | 66.5045% | 4,356 |
| Assets per employee ($millions) | 5.6615% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7171% | 6,728 |
| Loan loss allowance to noncurrent loans | 234.5304% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 6,459 |
| Noncurrent loans to loans | 0.3058% | 5,875 |
| Net loans and leases to total assets | 34.6023% | 6,629 |
| Net loans and leases to deposits | 37.6960% | 6,761 |
| Net loans and leases to core deposits | 41.5182% | 6,685 |
| Total domestic deposits to total assets | 91.7931% | 234 |
| Equity capital to assets | 7.4061% | 6,792 |
| Core capital (leverage) ratio | 7.2563% | 6,730 |
| Tier 1 risk-based capital ratio | 16.6992% | 2,895 |
| Total risk-based capital ratio | 17.2781% | 3,215 |
| Memoranda: | ||
| Average total assets | $335,656,000 | 1,944 |
| Average earning assets | $314,774,000 | 1,903 |
| Average equity | $24,232,500 | 2,760 |
| Average total loans | $114,246,250 | 3,229 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5060% | 6,600 |
| Cost of funding earning assets | 0.7645% | 3,482 |
| Net interest margin | 2.7415% | 6,660 |
| Noninterest income to average assets | 0.3033% | 5,382 |
| Noninterest expense to average assets | 1.9144% | 6,573 |
| Loan and lease loss provision to assets | 0.0287% | 5,311 |
| Net operating income to assets | 0.6844% | 3,951 |
| Return on assets (ROA) | 0.6844% | 4,209 |
| Pretax return on assets | 0.9237% | 3,988 |
| Return on Equity (ROE) | 9.5636% | 2,547 |
| Retained earnings to average equity (ytd only) | 9.5636% | 1,097 |
| Net charge-offs to loans | 0.0124% | 5,280 |
| Credit loss provision to net charge-offs | 685.7143% | 465 |
| Earnings coverage of net charge-offs (x) | 227.4286% | 188 |
| Efficiency ratio | 66.7780% | 4,365 |
| Assets per employee ($millions) | 5.6011% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7186% | 6,804 |
| Loan loss allowance to noncurrent loans | 353.3613% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 6,638 |
| Noncurrent loans to loans | 0.2033% | 6,176 |
| Net loans and leases to total assets | 34.5761% | 6,693 |
| Net loans and leases to deposits | 37.8546% | 6,811 |
| Net loans and leases to core deposits | 41.9010% | 6,738 |
| Total domestic deposits to total assets | 91.3392% | 347 |
| Equity capital to assets | 7.2965% | 6,847 |
| Core capital (leverage) ratio | 7.0868% | 6,794 |
| Tier 1 risk-based capital ratio | 16.3055% | 3,001 |
| Total risk-based capital ratio | 16.8804% | 3,334 |
| Memoranda: | ||
| Average total assets | $334,311,000 | 1,947 |
| Average earning assets | $312,607,670 | 1,912 |
| Average equity | $23,924,000 | 2,775 |
| Average total loans | $112,865,000 | 3,273 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4997% | 6,701 |
| Cost of funding earning assets | 0.7964% | 3,503 |
| Net interest margin | 2.7032% | 6,766 |
| Noninterest income to average assets | 0.2975% | 5,494 |
| Noninterest expense to average assets | 1.9374% | 6,572 |
| Loan and lease loss provision to assets | 0.0144% | 5,137 |
| Net operating income to assets | 0.6406% | 4,167 |
| Return on assets (ROA) | 0.6406% | 4,375 |
| Pretax return on assets | 0.8661% | 4,167 |
| Return on Equity (ROE) | 9.0411% | 2,806 |
| Retained earnings to average equity (ytd only) | 9.0411% | 1,577 |
| Net charge-offs to loans | -0.0072% | 5,865 |
| Credit loss provision to net charge-offs | -600.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7527% | 4,028 |
| Assets per employee ($millions) | 5.5124% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7367% | 6,831 |
| Loan loss allowance to noncurrent loans | 218.8172% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 6,598 |
| Noncurrent loans to loans | 0.3367% | 5,996 |
| Net loans and leases to total assets | 33.1598% | 6,775 |
| Net loans and leases to deposits | 36.2761% | 6,880 |
| Net loans and leases to core deposits | 40.1948% | 6,811 |
| Total domestic deposits to total assets | 91.4094% | 399 |
| Equity capital to assets | 7.2171% | 6,876 |
| Core capital (leverage) ratio | 6.9875% | 6,840 |
| Tier 1 risk-based capital ratio | 16.5323% | 2,894 |
| Total risk-based capital ratio | 17.1114% | 3,217 |
| Memoranda: | ||
| Average total assets | $333,433,000 | 1,955 |
| Average earning assets | $310,886,000 | 1,924 |
| Average equity | $23,625,500 | 2,797 |
| Average total loans | $110,777,500 | 3,336 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8275% | 6,700 |
| Cost of funding earning assets | 0.8722% | 4,308 |
| Net interest margin | 2.9553% | 6,599 |
| Noninterest income to average assets | 0.3210% | 5,250 |
| Noninterest expense to average assets | 2.0427% | 6,598 |
| Loan and lease loss provision to assets | 0.0395% | 6,076 |
| Net operating income to assets | 0.7852% | 3,109 |
| Return on assets (ROA) | 0.8575% | 2,935 |
| Pretax return on assets | 1.1225% | 2,751 |
| Return on Equity (ROE) | 11.6557% | 1,513 |
| Retained earnings to average equity (ytd only) | 9.4160% | 690 |
| Net charge-offs to loans | 0.0590% | 5,717 |
| Credit loss provision to net charge-offs | 190.4762% | 1,342 |
| Earnings coverage of net charge-offs (x) | 51.3810% | 545 |
| Efficiency ratio | 65.6916% | 4,831 |
| Assets per employee ($millions) | 5.6970% | 1,444 |
| Cash dividends to net income (ytd only)* | 19.2160% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7203% | 6,880 |
| Loan loss allowance to noncurrent loans | 147.8743% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 6,379 |
| Noncurrent loans to loans | 0.4871% | 5,738 |
| Net loans and leases to total assets | 32.8056% | 6,924 |
| Net loans and leases to deposits | 35.8061% | 7,007 |
| Net loans and leases to core deposits | 39.5363% | 6,959 |
| Total domestic deposits to total assets | 91.6203% | 300 |
| Equity capital to assets | 6.9561% | 6,975 |
| Core capital (leverage) ratio | 7.1475% | 6,813 |
| Tier 1 risk-based capital ratio | 16.3468% | 2,890 |
| Total risk-based capital ratio | 16.9227% | 3,186 |
| Memoranda: | ||
| Average total assets | $303,422,800 | 2,116 |
| Average earning assets | $286,295,600 | 2,049 |
| Average equity | $22,323,800 | 2,858 |
| Average total loans | $106,767,600 | 3,450 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9285% | 6,694 |
| Cost of funding earning assets | 0.8865% | 4,495 |
| Net interest margin | 3.0420% | 6,504 |
| Noninterest income to average assets | 0.3364% | 5,167 |
| Noninterest expense to average assets | 2.1545% | 6,384 |
| Loan and lease loss provision to assets | 0.0366% | 5,981 |
| Net operating income to assets | 0.7664% | 3,313 |
| Return on assets (ROA) | 0.8630% | 3,047 |
| Pretax return on assets | 1.1660% | 2,762 |
| Return on Equity (ROE) | 11.5503% | 1,662 |
| Retained earnings to average equity (ytd only) | 9.7371% | 920 |
| Net charge-offs to loans | 0.0568% | 5,406 |
| Credit loss provision to net charge-offs | 180.0000% | 1,651 |
| Earnings coverage of net charge-offs (x) | 52.7542% | 618 |
| Efficiency ratio | 66.7740% | 4,571 |
| Assets per employee ($millions) | 5.6205% | 1,488 |
| Cash dividends to net income (ytd only)* | 15.6986% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7416% | 6,908 |
| Loan loss allowance to noncurrent loans | 3,709.5238% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 6,802 |
| Noncurrent loans to loans | 0.0200% | 6,890 |
| Net loans and leases to total assets | 34.3514% | 6,935 |
| Net loans and leases to deposits | 37.6685% | 7,045 |
| Net loans and leases to core deposits | 40.5384% | 7,023 |
| Total domestic deposits to total assets | 91.1939% | 381 |
| Equity capital to assets | 7.5441% | 6,920 |
| Core capital (leverage) ratio | 7.2602% | 6,879 |
| Tier 1 risk-based capital ratio | 17.2555% | 2,546 |
| Total risk-based capital ratio | 17.8606% | 2,770 |
| Memoranda: | ||
| Average total assets | $295,248,000 | 2,172 |
| Average earning assets | $280,507,250 | 2,097 |
| Average equity | $22,059,500 | 2,883 |
| Average total loans | $105,692,750 | 3,506 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9474% | 6,742 |
| Cost of funding earning assets | 0.8978% | 4,687 |
| Net interest margin | 3.0496% | 6,507 |
| Noninterest income to average assets | 0.3467% | 5,109 |
| Noninterest expense to average assets | 2.2250% | 6,315 |
| Loan and lease loss provision to assets | 0.0369% | 5,850 |
| Net operating income to assets | 0.7364% | 3,356 |
| Return on assets (ROA) | 0.7364% | 3,476 |
| Pretax return on assets | 0.9949% | 3,256 |
| Return on Equity (ROE) | 9.8897% | 2,158 |
| Retained earnings to average equity (ytd only) | 9.8897% | 876 |
| Net charge-offs to loans | 0.0661% | 4,977 |
| Credit loss provision to net charge-offs | 154.2857% | 1,973 |
| Earnings coverage of net charge-offs (x) | 43.1143% | 706 |
| Efficiency ratio | 68.3183% | 4,460 |
| Assets per employee ($millions) | 4.9576% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 6,991 |
| Loan loss allowance to noncurrent loans | 3,313.0435% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.1121% | 6,817 |
| Noncurrent loans to loans | 0.0219% | 6,942 |
| Net loans and leases to total assets | 34.5522% | 7,032 |
| Net loans and leases to deposits | 37.3874% | 7,136 |
| Net loans and leases to core deposits | 40.1981% | 7,121 |
| Total domestic deposits to total assets | 92.4167% | 173 |
| Equity capital to assets | 7.3938% | 6,997 |
| Core capital (leverage) ratio | 7.3679% | 6,832 |
| Tier 1 risk-based capital ratio | 16.9167% | 2,557 |
| Total risk-based capital ratio | 17.5112% | 2,820 |
| Memoranda: | ||
| Average total assets | $292,495,000 | 2,197 |
| Average earning assets | $279,120,000 | 2,111 |
| Average equity | $21,780,330 | 2,901 |
| Average total loans | $105,911,000 | 3,544 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9448% | 6,773 |
| Cost of funding earning assets | 0.9154% | 4,814 |
| Net interest margin | 3.0294% | 6,512 |
| Noninterest income to average assets | 0.3478% | 5,125 |
| Noninterest expense to average assets | 2.2676% | 6,262 |
| Loan and lease loss provision to assets | 0.0376% | 5,520 |
| Net operating income to assets | 0.6886% | 3,561 |
| Return on assets (ROA) | 0.6886% | 3,632 |
| Pretax return on assets | 0.9293% | 3,402 |
| Return on Equity (ROE) | 9.2134% | 2,382 |
| Retained earnings to average equity (ytd only) | 9.2134% | 1,314 |
| Net charge-offs to loans | 0.0113% | 4,927 |
| Credit loss provision to net charge-offs | 900.0000% | 420 |
| Earnings coverage of net charge-offs (x) | 231.6667% | 137 |
| Efficiency ratio | 70.1075% | 4,246 |
| Assets per employee ($millions) | 4.9570% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7227% | 7,049 |
| Loan loss allowance to noncurrent loans | 1,345.6140% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 6,830 |
| Noncurrent loans to loans | 0.0537% | 6,914 |
| Net loans and leases to total assets | 36.6471% | 6,971 |
| Net loans and leases to deposits | 39.7481% | 7,115 |
| Net loans and leases to core deposits | 43.4817% | 7,055 |
| Total domestic deposits to total assets | 92.1985% | 243 |
| Equity capital to assets | 7.5563% | 6,837 |
| Core capital (leverage) ratio | 7.3792% | 6,809 |
| Tier 1 risk-based capital ratio | 16.7689% | 2,560 |
| Total risk-based capital ratio | 17.3785% | 2,814 |
| Memoranda: | ||
| Average total assets | $287,535,000 | 2,251 |
| Average earning assets | $273,984,000 | 2,169 |
| Average equity | $21,490,500 | 2,923 |
| Average total loans | $106,240,000 | 3,574 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2744% | 6,827 |
| Cost of funding earning assets | 1.0775% | 5,276 |
| Net interest margin | 3.1969% | 6,278 |
| Noninterest income to average assets | 0.4215% | 4,729 |
| Noninterest expense to average assets | 2.3001% | 6,357 |
| Loan and lease loss provision to assets | 0.0436% | 6,725 |
| Net operating income to assets | 0.8180% | 2,717 |
| Return on assets (ROA) | 0.8180% | 2,857 |
| Pretax return on assets | 1.1049% | 2,561 |
| Return on Equity (ROE) | 11.0103% | 1,586 |
| Retained earnings to average equity (ytd only) | 8.0782% | 958 |
| Net charge-offs to loans | 0.0746% | 6,055 |
| Credit loss provision to net charge-offs | 153.8462% | 2,306 |
| Earnings coverage of net charge-offs (x) | 40.5513% | 577 |
| Efficiency ratio | 66.6983% | 4,818 |
| Assets per employee ($millions) | 4.7141% | 2,541 |
| Cash dividends to net income (ytd only)* | 26.6312% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6986% | 7,138 |
| Loan loss allowance to noncurrent loans | 599.1935% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 6,837 |
| Noncurrent loans to loans | 0.1166% | 6,852 |
| Net loans and leases to total assets | 36.7248% | 7,124 |
| Net loans and leases to deposits | 39.8440% | 7,256 |
| Net loans and leases to core deposits | 43.4159% | 7,220 |
| Total domestic deposits to total assets | 92.1715% | 246 |
| Equity capital to assets | 7.3918% | 6,943 |
| Core capital (leverage) ratio | 7.2679% | 6,865 |
| Tier 1 risk-based capital ratio | 16.4715% | 2,533 |
| Total risk-based capital ratio | 17.0654% | 2,799 |
| Memoranda: | ||
| Average total assets | $275,421,800 | 2,317 |
| Average earning assets | $260,786,600 | 2,244 |
| Average equity | $20,462,600 | 3,083 |
| Average total loans | $104,492,800 | 3,666 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 6,851 |
| Cost of funding earning assets | 1.0923% | 5,467 |
| Net interest margin | 3.2847% | 6,067 |
| Noninterest income to average assets | 0.4136% | 4,846 |
| Noninterest expense to average assets | 2.3153% | 6,275 |
| Loan and lease loss provision to assets | 0.0441% | 6,650 |
| Net operating income to assets | 0.8566% | 2,790 |
| Return on assets (ROA) | 0.8566% | 2,920 |
| Pretax return on assets | 1.1572% | 2,648 |
| Return on Equity (ROE) | 11.5143% | 1,645 |
| Retained earnings to average equity (ytd only) | 9.5404% | 901 |
| Net charge-offs to loans | 0.0538% | 5,984 |
| Credit loss provision to net charge-offs | 214.2857% | 1,633 |
| Earnings coverage of net charge-offs (x) | 58.4271% | 495 |
| Efficiency ratio | 65.8408% | 4,897 |
| Assets per employee ($millions) | 4.5980% | 2,749 |
| Cash dividends to net income (ytd only)* | 17.1428% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6871% | 7,213 |
| Loan loss allowance to noncurrent loans | 2,412.9032% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 7,037 |
| Noncurrent loans to loans | 0.0285% | 7,188 |
| Net loans and leases to total assets | 38.5468% | 7,162 |
| Net loans and leases to deposits | 41.8114% | 7,310 |
| Net loans and leases to core deposits | 45.4442% | 7,277 |
| Total domestic deposits to total assets | 92.1922% | 165 |
| Equity capital to assets | 7.5279% | 7,113 |
| Core capital (leverage) ratio | 6.9745% | 7,181 |
| Tier 1 risk-based capital ratio | 16.0967% | 2,715 |
| Total risk-based capital ratio | 16.6868% | 2,997 |
| Memoranda: | ||
| Average total assets | $272,386,500 | 2,373 |
| Average earning assets | $257,309,750 | 2,308 |
| Average equity | $20,264,250 | 3,152 |
| Average total loans | $104,028,500 | 3,733 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4146% | 6,870 |
| Cost of funding earning assets | 1.0985% | 5,678 |
| Net interest margin | 3.3161% | 5,960 |
| Noninterest income to average assets | 0.3849% | 5,041 |
| Noninterest expense to average assets | 2.3316% | 6,269 |
| Loan and lease loss provision to assets | 0.0445% | 6,531 |
| Net operating income to assets | 0.8551% | 2,712 |
| Return on assets (ROA) | 0.8551% | 2,858 |
| Pretax return on assets | 1.1406% | 2,626 |
| Return on Equity (ROE) | 11.5410% | 1,585 |
| Retained earnings to average equity (ytd only) | 8.5381% | 1,252 |
| Net charge-offs to loans | 0.0469% | 5,730 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 66.5833% | 469 |
| Efficiency ratio | 66.3011% | 4,927 |
| Assets per employee ($millions) | 4.5395% | 2,811 |
| Cash dividends to net income (ytd only)* | 26.0191% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6943% | 7,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 7,094 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 38.0162% | 7,269 |
| Net loans and leases to deposits | 41.9861% | 7,395 |
| Net loans and leases to core deposits | 45.5626% | 7,367 |
| Total domestic deposits to total assets | 90.5446% | 668 |
| Equity capital to assets | 7.4136% | 7,164 |
| Core capital (leverage) ratio | 7.3187% | 6,979 |
| Tier 1 risk-based capital ratio | 15.8224% | 2,750 |
| Total risk-based capital ratio | 16.4104% | 3,028 |
| Memoranda: | ||
| Average total assets | $269,689,670 | 2,426 |
| Average earning assets | $254,700,000 | 2,353 |
| Average equity | $19,981,000 | 3,174 |
| Average total loans | $102,417,000 | 3,819 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4709% | 6,851 |
| Cost of funding earning assets | 1.1078% | 5,867 |
| Net interest margin | 3.3631% | 5,741 |
| Noninterest income to average assets | 0.3818% | 5,083 |
| Noninterest expense to average assets | 2.3001% | 6,375 |
| Loan and lease loss provision to assets | 0.0451% | 6,219 |
| Net operating income to assets | 0.8148% | 2,902 |
| Return on assets (ROA) | 0.8148% | 3,000 |
| Pretax return on assets | 1.2132% | 2,317 |
| Return on Equity (ROE) | 11.0012% | 1,791 |
| Retained earnings to average equity (ytd only) | 4.9120% | 3,199 |
| Net charge-offs to loans | 0.0517% | 4,888 |
| Credit loss provision to net charge-offs | 230.7692% | 1,651 |
| Earnings coverage of net charge-offs (x) | 64.3846% | 476 |
| Efficiency ratio | 64.6388% | 5,364 |
| Assets per employee ($millions) | 4.6624% | 2,698 |
| Cash dividends to net income (ytd only)* | 55.3506% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7035% | 7,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 7,170 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 38.0800% | 7,344 |
| Net loans and leases to deposits | 42.1464% | 7,457 |
| Net loans and leases to core deposits | 45.3971% | 7,449 |
| Total domestic deposits to total assets | 90.3518% | 803 |
| Equity capital to assets | 7.4718% | 7,095 |
| Core capital (leverage) ratio | 7.2366% | 7,077 |
| Tier 1 risk-based capital ratio | 15.7668% | 2,745 |
| Total risk-based capital ratio | 16.3558% | 3,022 |
| Memoranda: | ||
| Average total assets | $266,079,000 | 2,510 |
| Average earning assets | $251,314,000 | 2,437 |
| Average equity | $19,707,000 | 3,235 |
| Average total loans | $100,622,000 | 3,942 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8967% | 6,718 |
| Cost of funding earning assets | 1.6155% | 4,963 |
| Net interest margin | 3.2812% | 5,814 |
| Noninterest income to average assets | 0.4159% | 5,079 |
| Noninterest expense to average assets | 2.3725% | 6,543 |
| Loan and lease loss provision to assets | 0.0524% | 7,040 |
| Net operating income to assets | 0.7444% | 2,748 |
| Return on assets (ROA) | 0.7460% | 2,831 |
| Pretax return on assets | 1.0672% | 2,353 |
| Return on Equity (ROE) | 10.5775% | 1,527 |
| Retained earnings to average equity (ytd only) | 9.4762% | 430 |
| Net charge-offs to loans | 0.0434% | 6,676 |
| Credit loss provision to net charge-offs | 300.0000% | 1,104 |
| Earnings coverage of net charge-offs (x) | 63.9333% | 424 |
| Efficiency ratio | 67.9835% | 5,007 |
| Assets per employee ($millions) | 4.6737% | 2,656 |
| Cash dividends to net income (ytd only)* | 10.4112% | 3,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7048% | 7,371 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 7,151 |
| Noncurrent loans to loans | 0.0252% | 7,376 |
| Net loans and leases to total assets | 37.0219% | 7,484 |
| Net loans and leases to deposits | 40.9203% | 7,597 |
| Net loans and leases to core deposits | 52.6786% | 7,510 |
| Total domestic deposits to total assets | 90.4733% | 753 |
| Equity capital to assets | 7.3412% | 7,167 |
| Core capital (leverage) ratio | 7.0646% | 7,185 |
| Tier 1 risk-based capital ratio | 15.6179% | 2,668 |
| Total risk-based capital ratio | 16.1947% | 2,919 |
| Memoranda: | ||
| Average total assets | $257,493,800 | 2,544 |
| Average earning assets | $241,221,600 | 2,492 |
| Average equity | $18,161,200 | 3,483 |
| Average total loans | $103,711,600 | 3,851 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9351% | 6,808 |
| Cost of funding earning assets | 1.6771% | 5,024 |
| Net interest margin | 3.2580% | 5,800 |
| Noninterest income to average assets | 0.4084% | 5,226 |
| Noninterest expense to average assets | 2.3812% | 6,472 |
| Loan and lease loss provision to assets | 0.0564% | 6,804 |
| Net operating income to assets | 0.6650% | 3,336 |
| Return on assets (ROA) | 0.6670% | 3,389 |
| Pretax return on assets | 1.0211% | 2,836 |
| Return on Equity (ROE) | 9.5587% | 2,078 |
| Retained earnings to average equity (ytd only) | 8.0616% | 1,119 |
| Net charge-offs to loans | 0.0369% | 6,386 |
| Credit loss provision to net charge-offs | 372.4138% | 1,087 |
| Earnings coverage of net charge-offs (x) | 70.9232% | 476 |
| Efficiency ratio | 68.9087% | 4,807 |
| Assets per employee ($millions) | 4.4980% | 2,866 |
| Cash dividends to net income (ytd only)* | 15.6617% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6624% | 7,461 |
| Loan loss allowance to noncurrent loans | 2,460.7143% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 7,187 |
| Noncurrent loans to loans | 0.0269% | 7,456 |
| Net loans and leases to total assets | 38.9381% | 7,508 |
| Net loans and leases to deposits | 43.2985% | 7,642 |
| Net loans and leases to core deposits | 56.3890% | 7,532 |
| Total domestic deposits to total assets | 89.9295% | 792 |
| Equity capital to assets | 7.1339% | 7,532 |
| Core capital (leverage) ratio | 7.0602% | 7,392 |
| Tier 1 risk-based capital ratio | 14.8476% | 3,114 |
| Total risk-based capital ratio | 15.4064% | 3,411 |
| Memoranda: | ||
| Average total assets | $255,267,500 | 2,566 |
| Average earning assets | $238,746,250 | 2,535 |
| Average equity | $17,812,250 | 3,561 |
| Average total loans | $104,808,000 | 3,858 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9969% | 6,780 |
| Cost of funding earning assets | 1.7651% | 4,927 |
| Net interest margin | 3.2318% | 5,801 |
| Noninterest income to average assets | 0.3883% | 5,393 |
| Noninterest expense to average assets | 2.4454% | 6,317 |
| Loan and lease loss provision to assets | 0.0572% | 6,648 |
| Net operating income to assets | 0.5821% | 3,763 |
| Return on assets (ROA) | 0.5852% | 3,853 |
| Pretax return on assets | 0.8996% | 3,342 |
| Return on Equity (ROE) | 8.4523% | 2,590 |
| Retained earnings to average equity (ytd only) | 6.1586% | 1,945 |
| Net charge-offs to loans | 0.0533% | 5,744 |
| Credit loss provision to net charge-offs | 257.1429% | 1,810 |
| Earnings coverage of net charge-offs (x) | 42.8214% | 773 |
| Efficiency ratio | 71.9794% | 4,414 |
| Assets per employee ($millions) | 4.2140% | 3,270 |
| Cash dividends to net income (ytd only)* | 27.1370% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6232% | 7,587 |
| Loan loss allowance to noncurrent loans | 1,038.0952% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 7,152 |
| Noncurrent loans to loans | 0.0600% | 7,379 |
| Net loans and leases to total assets | 40.5729% | 7,520 |
| Net loans and leases to deposits | 44.9226% | 7,675 |
| Net loans and leases to core deposits | 57.6244% | 7,531 |
| Total domestic deposits to total assets | 90.3173% | 699 |
| Equity capital to assets | 6.8658% | 7,679 |
| Core capital (leverage) ratio | 6.6851% | 7,708 |
| Tier 1 risk-based capital ratio | 13.7178% | 3,685 |
| Total risk-based capital ratio | 14.2419% | 4,072 |
| Memoranda: | ||
| Average total assets | $251,896,670 | 2,611 |
| Average earning assets | $234,546,670 | 2,583 |
| Average equity | $17,439,000 | 3,630 |
| Average total loans | $105,069,670 | 3,892 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1425% | 6,515 |
| Cost of funding earning assets | 1.8824% | 4,730 |
| Net interest margin | 3.2600% | 5,660 |
| Noninterest income to average assets | 0.3241% | 5,861 |
| Noninterest expense to average assets | 2.3665% | 6,315 |
| Loan and lease loss provision to assets | 0.0578% | 6,239 |
| Net operating income to assets | 0.6097% | 3,975 |
| Return on assets (ROA) | 0.6097% | 4,169 |
| Pretax return on assets | 0.9145% | 3,664 |
| Return on Equity (ROE) | 8.7689% | 2,809 |
| Retained earnings to average equity (ytd only) | 4.1537% | 3,601 |
| Net charge-offs to loans | 0.0152% | 5,371 |
| Credit loss provision to net charge-offs | 900.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 151.5000% | 295 |
| Efficiency ratio | 70.8794% | 4,394 |
| Assets per employee ($millions) | 4.2114% | 3,242 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6179% | 7,631 |
| Loan loss allowance to noncurrent loans | 2,070.9677% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 7,116 |
| Noncurrent loans to loans | 0.0298% | 7,466 |
| Net loans and leases to total assets | 40.8672% | 7,526 |
| Net loans and leases to deposits | 44.3681% | 7,711 |
| Net loans and leases to core deposits | 55.5090% | 7,636 |
| Total domestic deposits to total assets | 92.1094% | 167 |
| Equity capital to assets | 6.8917% | 7,726 |
| Core capital (leverage) ratio | 6.7384% | 7,787 |
| Tier 1 risk-based capital ratio | 13.5510% | 3,834 |
| Total risk-based capital ratio | 14.0701% | 4,229 |
| Memoranda: | ||
| Average total assets | $249,317,000 | 2,652 |
| Average earning assets | $230,551,500 | 2,643 |
| Average equity | $17,334,000 | 3,667 |
| Average total loans | $105,130,000 | 3,901 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6180% | 7,014 |
| Cost of funding earning assets | 2.4918% | 4,250 |
| Net interest margin | 3.1262% | 6,572 |
| Noninterest income to average assets | 0.4887% | 4,706 |
| Noninterest expense to average assets | 2.4532% | 6,192 |
| Loan and lease loss provision to assets | 0.0618% | 6,629 |
| Net operating income to assets | 0.6037% | 4,284 |
| Return on assets (ROA) | 0.6037% | 4,147 |
| Pretax return on assets | 0.8835% | 3,779 |
| Return on Equity (ROE) | 8.5631% | 2,806 |
| Retained earnings to average equity (ytd only) | 8.5631% | 691 |
| Net charge-offs to loans | 0.0347% | 6,324 |
| Credit loss provision to net charge-offs | 411.4286% | 1,062 |
| Earnings coverage of net charge-offs (x) | 62.9429% | 642 |
| Efficiency ratio | 72.1843% | 3,902 |
| Assets per employee ($millions) | 4.1687% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5736% | 7,721 |
| Loan loss allowance to noncurrent loans | 10,166.6667% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 6,113 |
| Noncurrent loans to loans | 0.0056% | 7,535 |
| Net loans and leases to total assets | 42.9938% | 7,533 |
| Net loans and leases to deposits | 46.9838% | 7,753 |
| Net loans and leases to core deposits | 59.4859% | 7,605 |
| Total domestic deposits to total assets | 91.5077% | 206 |
| Equity capital to assets | 7.0152% | 7,730 |
| Core capital (leverage) ratio | 7.0225% | 7,676 |
| Tier 1 risk-based capital ratio | 13.1491% | 4,029 |
| Total risk-based capital ratio | 13.6328% | 4,418 |
| Memoranda: | ||
| Average total assets | $233,045,600 | 2,729 |
| Average earning assets | $216,911,200 | 2,690 |
| Average equity | $16,431,000 | 3,839 |
| Average total loans | $100,732,400 | 3,929 |