Home > Texas Star Bank > Performance and Condition Ratios
Texas Star Bank, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1092% | 201 |
| Cost of funding earning assets | 0.5175% | 4,047 |
| Net interest margin | 5.5917% | 109 |
| Noninterest income to average assets | 0.6352% | 1,994 |
| Noninterest expense to average assets | 3.0554% | 1,848 |
| Loan and lease loss provision to assets | 0.1314% | 1,425 |
| Net operating income to assets | 2.0649% | 348 |
| Return on assets (ROA) | 2.0649% | 362 |
| Pretax return on assets | 2.6266% | 203 |
| Return on Equity (ROE) | 17.2918% | 435 |
| Retained earnings to average equity (ytd only) | -18.5986% | 5,245 |
| Net charge-offs to loans | 0.0528% | 1,887 |
| Credit loss provision to net charge-offs | 290.6977% | 926 |
| Earnings coverage of net charge-offs (x) | 61.0349% | 968 |
| Efficiency ratio | 52.5578% | 4,611 |
| Assets per employee ($millions) | 4.2102% | 3,560 |
| Cash dividends to net income (ytd only)* | 207.5573% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 3,274 |
| Loan loss allowance to noncurrent loans | 192.1644% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 2,626 |
| Noncurrent loans to loans | 0.5528% | 2,612 |
| Net loans and leases to total assets | 85.2516% | 269 |
| Net loans and leases to deposits | 96.7609% | 956 |
| Net loans and leases to core deposits | 107.4417% | 1,142 |
| Total domestic deposits to total assets | 88.1054% | 1,051 |
| Equity capital to assets | 11.1257% | 2,924 |
| Core capital (leverage) ratio | 11.2726% | 2,352 |
| Tier 1 risk-based capital ratio | 13.0838% | 3,796 |
| Total risk-based capital ratio | 14.1603% | 3,786 |
| Memoranda: | ||
| Average total assets | $380,640,670 | 1,822 |
| Average earning assets | $352,484,670 | 1,826 |
| Average equity | $45,455,000 | 1,730 |
| Average total loans | $326,063,330 | 1,531 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9959% | 223 |
| Cost of funding earning assets | 0.4912% | 4,097 |
| Net interest margin | 5.5047% | 121 |
| Noninterest income to average assets | 0.6315% | 1,901 |
| Noninterest expense to average assets | 2.8593% | 2,389 |
| Loan and lease loss provision to assets | 0.1898% | 859 |
| Net operating income to assets | 2.1128% | 312 |
| Return on assets (ROA) | 2.1128% | 328 |
| Pretax return on assets | 2.6748% | 191 |
| Return on Equity (ROE) | 17.1028% | 475 |
| Retained earnings to average equity (ytd only) | 0.2816% | 4,473 |
| Net charge-offs to loans | 0.0556% | 1,494 |
| Credit loss provision to net charge-offs | 400.0000% | 692 |
| Earnings coverage of net charge-offs (x) | 60.3778% | 912 |
| Efficiency ratio | 49.9540% | 4,831 |
| Assets per employee ($millions) | 4.0962% | 3,789 |
| Cash dividends to net income (ytd only)* | 98.3533% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 3,401 |
| Loan loss allowance to noncurrent loans | 246.3173% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 3,110 |
| Noncurrent loans to loans | 0.4268% | 3,057 |
| Net loans and leases to total assets | 85.9278% | 193 |
| Net loans and leases to deposits | 98.8104% | 721 |
| Net loans and leases to core deposits | 108.8365% | 999 |
| Total domestic deposits to total assets | 86.9623% | 1,835 |
| Equity capital to assets | 12.3077% | 1,842 |
| Core capital (leverage) ratio | 12.5282% | 1,496 |
| Tier 1 risk-based capital ratio | 14.3943% | 3,148 |
| Total risk-based capital ratio | 15.4620% | 3,162 |
| Memoranda: | ||
| Average total assets | $379,395,000 | 1,840 |
| Average earning assets | $350,975,000 | 1,845 |
| Average equity | $46,869,500 | 1,672 |
| Average total loans | $324,028,500 | 1,551 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5933% | 337 |
| Cost of funding earning assets | 0.4163% | 3,888 |
| Net interest margin | 5.1770% | 198 |
| Noninterest income to average assets | 0.7429% | 1,678 |
| Noninterest expense to average assets | 2.8908% | 2,387 |
| Loan and lease loss provision to assets | 0.1126% | 1,959 |
| Net operating income to assets | 1.9957% | 364 |
| Return on assets (ROA) | 1.9957% | 362 |
| Pretax return on assets | 2.5214% | 197 |
| Return on Equity (ROE) | 17.4338% | 445 |
| Retained earnings to average equity (ytd only) | 12.6005% | 273 |
| Net charge-offs to loans | 0.1532% | 1,252 |
| Credit loss provision to net charge-offs | 93.4783% | 2,673 |
| Earnings coverage of net charge-offs (x) | 21.8587% | 1,927 |
| Efficiency ratio | 52.3234% | 4,767 |
| Assets per employee ($millions) | 4.1070% | 3,738 |
| Cash dividends to net income (ytd only)* | 27.7238% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 3,354 |
| Loan loss allowance to noncurrent loans | 267.6541% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3306% | 3,229 |
| Noncurrent loans to loans | 0.3937% | 3,119 |
| Net loans and leases to total assets | 83.0759% | 511 |
| Net loans and leases to deposits | 95.3920% | 1,132 |
| Net loans and leases to core deposits | 103.7783% | 1,432 |
| Total domestic deposits to total assets | 87.0890% | 1,746 |
| Equity capital to assets | 12.4002% | 1,634 |
| Core capital (leverage) ratio | 12.5014% | 1,452 |
| Tier 1 risk-based capital ratio | 14.8338% | 2,914 |
| Total risk-based capital ratio | 15.8923% | 2,918 |
| Memoranda: | ||
| Average total assets | $381,725,000 | 1,794 |
| Average earning assets | $352,598,200 | 1,797 |
| Average equity | $43,696,800 | 1,710 |
| Average total loans | $300,313,600 | 1,595 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4620% | 394 |
| Cost of funding earning assets | 0.4145% | 3,754 |
| Net interest margin | 5.0475% | 242 |
| Noninterest income to average assets | 0.7518% | 1,669 |
| Noninterest expense to average assets | 2.8077% | 2,612 |
| Loan and lease loss provision to assets | 0.1306% | 1,545 |
| Net operating income to assets | 1.9677% | 414 |
| Return on assets (ROA) | 1.9677% | 408 |
| Pretax return on assets | 2.4844% | 237 |
| Return on Equity (ROE) | 17.5504% | 477 |
| Retained earnings to average equity (ytd only) | 10.9876% | 651 |
| Net charge-offs to loans | 0.1031% | 1,457 |
| Credit loss provision to net charge-offs | 163.7555% | 1,613 |
| Earnings coverage of net charge-offs (x) | 32.7768% | 1,533 |
| Efficiency ratio | 51.7764% | 4,832 |
| Assets per employee ($millions) | 4.0427% | 3,815 |
| Cash dividends to net income (ytd only)* | 37.3938% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 3,002 |
| Loan loss allowance to noncurrent loans | 181.3918% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 2,670 |
| Noncurrent loans to loans | 0.6255% | 2,525 |
| Net loans and leases to total assets | 81.5580% | 786 |
| Net loans and leases to deposits | 93.4148% | 1,446 |
| Net loans and leases to core deposits | 101.2140% | 1,678 |
| Total domestic deposits to total assets | 87.3074% | 1,593 |
| Equity capital to assets | 11.9381% | 1,950 |
| Core capital (leverage) ratio | 11.9466% | 1,818 |
| Tier 1 risk-based capital ratio | 14.3811% | 3,184 |
| Total risk-based capital ratio | 15.5086% | 3,154 |
| Memoranda: | ||
| Average total assets | $382,696,250 | 1,794 |
| Average earning assets | $354,149,250 | 1,798 |
| Average equity | $42,907,750 | 1,742 |
| Average total loans | $296,082,750 | 1,618 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3086% | 460 |
| Cost of funding earning assets | 0.4127% | 3,620 |
| Net interest margin | 4.8959% | 306 |
| Noninterest income to average assets | 0.7082% | 1,843 |
| Noninterest expense to average assets | 2.7911% | 2,683 |
| Loan and lease loss provision to assets | 0.1247% | 1,585 |
| Net operating income to assets | 1.8304% | 548 |
| Return on assets (ROA) | 1.8304% | 549 |
| Pretax return on assets | 2.3105% | 322 |
| Return on Equity (ROE) | 16.6773% | 563 |
| Retained earnings to average equity (ytd only) | 10.4665% | 801 |
| Net charge-offs to loans | 0.0446% | 1,975 |
| Credit loss provision to net charge-offs | 369.2308% | 871 |
| Earnings coverage of net charge-offs (x) | 72.1077% | 889 |
| Efficiency ratio | 53.4049% | 4,746 |
| Assets per employee ($millions) | 4.0721% | 3,776 |
| Cash dividends to net income (ytd only)* | 37.2410% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 2,740 |
| Loan loss allowance to noncurrent loans | 190.9580% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 2,815 |
| Noncurrent loans to loans | 0.6266% | 2,545 |
| Net loans and leases to total assets | 76.5351% | 1,557 |
| Net loans and leases to deposits | 88.1818% | 2,089 |
| Net loans and leases to core deposits | 95.2106% | 2,133 |
| Total domestic deposits to total assets | 86.7924% | 1,935 |
| Equity capital to assets | 11.3796% | 2,287 |
| Core capital (leverage) ratio | 11.5173% | 2,058 |
| Tier 1 risk-based capital ratio | 14.4895% | 3,120 |
| Total risk-based capital ratio | 15.6697% | 3,067 |
| Memoranda: | ||
| Average total assets | $384,937,000 | 1,791 |
| Average earning assets | $355,236,670 | 1,802 |
| Average equity | $42,249,000 | 1,779 |
| Average total loans | $291,391,670 | 1,642 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1648% | 526 |
| Cost of funding earning assets | 0.4195% | 3,448 |
| Net interest margin | 4.7454% | 375 |
| Noninterest income to average assets | 0.6642% | 1,983 |
| Noninterest expense to average assets | 2.6061% | 3,320 |
| Loan and lease loss provision to assets | 0.0829% | 2,136 |
| Net operating income to assets | 1.8694% | 486 |
| Return on assets (ROA) | 1.8694% | 490 |
| Pretax return on assets | 2.3595% | 286 |
| Return on Equity (ROE) | 17.3487% | 477 |
| Retained earnings to average equity (ytd only) | 4.7315% | 3,294 |
| Net charge-offs to loans | -0.0152% | 4,424 |
| Credit loss provision to net charge-offs | -727.2727% | 4,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6215% | 4,986 |
| Assets per employee ($millions) | 4.0189% | 3,943 |
| Cash dividends to net income (ytd only)* | 72.7273% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 2,856 |
| Loan loss allowance to noncurrent loans | 195.0450% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 2,985 |
| Noncurrent loans to loans | 0.6109% | 2,711 |
| Net loans and leases to total assets | 75.2310% | 1,666 |
| Net loans and leases to deposits | 86.3297% | 2,118 |
| Net loans and leases to core deposits | 93.2299% | 2,190 |
| Total domestic deposits to total assets | 87.1438% | 2,066 |
| Equity capital to assets | 10.9586% | 2,626 |
| Core capital (leverage) ratio | 11.0626% | 2,367 |
| Tier 1 risk-based capital ratio | 14.0933% | 3,331 |
| Total risk-based capital ratio | 15.2601% | 3,291 |
| Memoranda: | ||
| Average total assets | $386,015,000 | 1,793 |
| Average earning assets | $356,643,000 | 1,804 |
| Average equity | $41,594,000 | 1,814 |
| Average total loans | $288,832,500 | 1,660 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2678% | 387 |
| Cost of funding earning assets | 0.4269% | 2,982 |
| Net interest margin | 4.8408% | 319 |
| Noninterest income to average assets | 0.7206% | 1,882 |
| Noninterest expense to average assets | 2.9851% | 2,202 |
| Loan and lease loss provision to assets | 0.1132% | 2,010 |
| Net operating income to assets | 1.2309% | 1,421 |
| Return on assets (ROA) | 1.2309% | 1,439 |
| Pretax return on assets | 2.0696% | 415 |
| Return on Equity (ROE) | 11.5686% | 1,324 |
| Retained earnings to average equity (ytd only) | 7.9886% | 769 |
| Net charge-offs to loans | 0.1027% | 2,041 |
| Credit loss provision to net charge-offs | 146.3415% | 1,816 |
| Earnings coverage of net charge-offs (x) | 28.2125% | 1,609 |
| Efficiency ratio | 57.7621% | 4,554 |
| Assets per employee ($millions) | 4.1077% | 3,802 |
| Cash dividends to net income (ytd only)* | 30.9461% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 2,920 |
| Loan loss allowance to noncurrent loans | 335.6219% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.2575% | 3,849 |
| Noncurrent loans to loans | 0.3502% | 3,505 |
| Net loans and leases to total assets | 72.6741% | 2,142 |
| Net loans and leases to deposits | 83.0155% | 2,610 |
| Net loans and leases to core deposits | 89.2022% | 2,634 |
| Total domestic deposits to total assets | 87.5427% | 1,740 |
| Equity capital to assets | 10.5958% | 3,055 |
| Core capital (leverage) ratio | 10.7257% | 2,616 |
| Tier 1 risk-based capital ratio | 13.9163% | 3,408 |
| Total risk-based capital ratio | 15.0515% | 3,385 |
| Memoranda: | ||
| Average total assets | $370,942,800 | 1,828 |
| Average earning assets | $340,790,200 | 1,836 |
| Average equity | $39,468,800 | 1,879 |
| Average total loans | $279,368,200 | 1,662 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2736% | 361 |
| Cost of funding earning assets | 0.4265% | 2,913 |
| Net interest margin | 4.8471% | 303 |
| Noninterest income to average assets | 0.7298% | 1,871 |
| Noninterest expense to average assets | 2.9585% | 2,221 |
| Loan and lease loss provision to assets | 0.1384% | 1,549 |
| Net operating income to assets | 1.3591% | 1,185 |
| Return on assets (ROA) | 1.3591% | 1,205 |
| Pretax return on assets | 2.0820% | 465 |
| Return on Equity (ROE) | 12.7590% | 1,112 |
| Retained earnings to average equity (ytd only) | 7.9282% | 1,253 |
| Net charge-offs to loans | 0.1451% | 1,376 |
| Credit loss provision to net charge-offs | 125.8278% | 1,934 |
| Earnings coverage of net charge-offs (x) | 20.1886% | 1,965 |
| Efficiency ratio | 57.1268% | 4,599 |
| Assets per employee ($millions) | 4.0131% | 3,968 |
| Cash dividends to net income (ytd only)* | 37.8616% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 3,210 |
| Loan loss allowance to noncurrent loans | 227.1047% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 3,496 |
| Noncurrent loans to loans | 0.5054% | 3,184 |
| Net loans and leases to total assets | 74.9531% | 1,771 |
| Net loans and leases to deposits | 85.7595% | 2,328 |
| Net loans and leases to core deposits | 92.7291% | 2,377 |
| Total domestic deposits to total assets | 87.3992% | 1,671 |
| Equity capital to assets | 10.6268% | 3,237 |
| Core capital (leverage) ratio | 10.9904% | 2,467 |
| Tier 1 risk-based capital ratio | 13.5087% | 3,695 |
| Total risk-based capital ratio | 14.6151% | 3,698 |
| Memoranda: | ||
| Average total assets | $366,121,000 | 1,861 |
| Average earning assets | $336,055,250 | 1,870 |
| Average equity | $38,999,000 | 1,914 |
| Average total loans | $277,468,000 | 1,677 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2910% | 341 |
| Cost of funding earning assets | 0.4286% | 2,817 |
| Net interest margin | 4.8623% | 282 |
| Noninterest income to average assets | 0.7284% | 1,869 |
| Noninterest expense to average assets | 2.9423% | 2,290 |
| Loan and lease loss provision to assets | 0.1108% | 1,844 |
| Net operating income to assets | 1.3980% | 1,074 |
| Return on assets (ROA) | 1.3980% | 1,098 |
| Pretax return on assets | 2.1364% | 412 |
| Return on Equity (ROE) | 13.1137% | 1,009 |
| Retained earnings to average equity (ytd only) | 5.7775% | 2,243 |
| Net charge-offs to loans | 0.0848% | 1,764 |
| Credit loss provision to net charge-offs | 172.4138% | 1,393 |
| Earnings coverage of net charge-offs (x) | 34.9741% | 1,356 |
| Efficiency ratio | 56.6976% | 4,744 |
| Assets per employee ($millions) | 3.8958% | 4,134 |
| Cash dividends to net income (ytd only)* | 55.9429% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 3,016 |
| Loan loss allowance to noncurrent loans | 264.4391% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 3,745 |
| Noncurrent loans to loans | 0.4539% | 3,385 |
| Net loans and leases to total assets | 74.7158% | 1,746 |
| Net loans and leases to deposits | 85.1068% | 2,340 |
| Net loans and leases to core deposits | 92.9227% | 2,255 |
| Total domestic deposits to total assets | 87.7906% | 1,570 |
| Equity capital to assets | 10.7337% | 3,099 |
| Core capital (leverage) ratio | 10.8264% | 2,577 |
| Tier 1 risk-based capital ratio | 13.5832% | 3,649 |
| Total risk-based capital ratio | 14.7318% | 3,624 |
| Memoranda: | ||
| Average total assets | $361,079,670 | 1,879 |
| Average earning assets | $331,281,330 | 1,900 |
| Average equity | $38,494,000 | 1,933 |
| Average total loans | $273,599,670 | 1,697 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2401% | 358 |
| Cost of funding earning assets | 0.4328% | 2,686 |
| Net interest margin | 4.8073% | 308 |
| Noninterest income to average assets | 0.7074% | 1,931 |
| Noninterest expense to average assets | 2.9254% | 2,378 |
| Loan and lease loss provision to assets | 0.1674% | 1,069 |
| Net operating income to assets | 1.3355% | 1,150 |
| Return on assets (ROA) | 1.3355% | 1,185 |
| Pretax return on assets | 2.0261% | 480 |
| Return on Equity (ROE) | 12.5711% | 1,096 |
| Retained earnings to average equity (ytd only) | -2.2580% | 5,192 |
| Net charge-offs to loans | 0.0956% | 1,409 |
| Credit loss provision to net charge-offs | 230.7692% | 929 |
| Earnings coverage of net charge-offs (x) | 30.2462% | 1,215 |
| Efficiency ratio | 57.1491% | 4,821 |
| Assets per employee ($millions) | 3.8335% | 4,290 |
| Cash dividends to net income (ytd only)* | 117.9616% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 3,092 |
| Loan loss allowance to noncurrent loans | 307.8704% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 3,997 |
| Noncurrent loans to loans | 0.3920% | 3,699 |
| Net loans and leases to total assets | 75.5355% | 1,494 |
| Net loans and leases to deposits | 85.9472% | 2,038 |
| Net loans and leases to core deposits | 93.5561% | 2,019 |
| Total domestic deposits to total assets | 87.8860% | 1,778 |
| Equity capital to assets | 10.5397% | 3,139 |
| Core capital (leverage) ratio | 10.6259% | 2,767 |
| Tier 1 risk-based capital ratio | 13.3368% | 3,868 |
| Total risk-based capital ratio | 14.5044% | 3,834 |
| Memoranda: | ||
| Average total assets | $358,519,000 | 1,898 |
| Average earning assets | $328,999,500 | 1,914 |
| Average equity | $38,087,500 | 1,956 |
| Average total loans | $271,932,500 | 1,718 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1351% | 467 |
| Cost of funding earning assets | 0.4891% | 2,170 |
| Net interest margin | 4.6461% | 462 |
| Noninterest income to average assets | 0.7446% | 1,975 |
| Noninterest expense to average assets | 2.8884% | 2,717 |
| Loan and lease loss provision to assets | 0.1704% | 1,431 |
| Net operating income to assets | 1.2850% | 1,250 |
| Return on assets (ROA) | 1.2850% | 1,321 |
| Pretax return on assets | 1.9376% | 575 |
| Return on Equity (ROE) | 12.5761% | 1,096 |
| Retained earnings to average equity (ytd only) | 10.5556% | 353 |
| Net charge-offs to loans | 0.0511% | 3,020 |
| Credit loss provision to net charge-offs | 458.0153% | 705 |
| Earnings coverage of net charge-offs (x) | 56.6641% | 936 |
| Efficiency ratio | 57.8095% | 4,877 |
| Assets per employee ($millions) | 3.9196% | 4,117 |
| Cash dividends to net income (ytd only)* | 16.0663% | 3,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 3,078 |
| Loan loss allowance to noncurrent loans | 477.8761% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 4,562 |
| Noncurrent loans to loans | 0.2527% | 4,247 |
| Net loans and leases to total assets | 74.3248% | 1,792 |
| Net loans and leases to deposits | 84.8489% | 2,325 |
| Net loans and leases to core deposits | 91.1588% | 2,379 |
| Total domestic deposits to total assets | 87.5967% | 1,832 |
| Equity capital to assets | 10.7083% | 2,917 |
| Core capital (leverage) ratio | 10.3903% | 3,003 |
| Tier 1 risk-based capital ratio | 13.7487% | 3,612 |
| Total risk-based capital ratio | 14.9149% | 3,573 |
| Memoranda: | ||
| Average total assets | $352,129,400 | 1,893 |
| Average earning assets | $322,250,400 | 1,907 |
| Average equity | $35,981,000 | 2,025 |
| Average total loans | $256,391,400 | 1,756 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0961% | 501 |
| Cost of funding earning assets | 0.4917% | 2,155 |
| Net interest margin | 4.6044% | 506 |
| Noninterest income to average assets | 0.7449% | 1,988 |
| Noninterest expense to average assets | 2.8733% | 2,728 |
| Loan and lease loss provision to assets | 0.2051% | 1,029 |
| Net operating income to assets | 1.2437% | 1,478 |
| Return on assets (ROA) | 1.2437% | 1,582 |
| Pretax return on assets | 1.8743% | 752 |
| Return on Equity (ROE) | 12.3216% | 1,223 |
| Retained earnings to average equity (ytd only) | 9.5855% | 663 |
| Net charge-offs to loans | 0.0147% | 3,437 |
| Credit loss provision to net charge-offs | 1,928.5714% | 242 |
| Earnings coverage of net charge-offs (x) | 195.5125% | 377 |
| Efficiency ratio | 58.0150% | 4,810 |
| Assets per employee ($millions) | 3.9120% | 4,107 |
| Cash dividends to net income (ytd only)* | 22.2053% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 3,122 |
| Loan loss allowance to noncurrent loans | 424.7089% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 4,555 |
| Noncurrent loans to loans | 0.2871% | 4,237 |
| Net loans and leases to total assets | 75.5411% | 1,605 |
| Net loans and leases to deposits | 86.8072% | 2,168 |
| Net loans and leases to core deposits | 94.1686% | 2,182 |
| Total domestic deposits to total assets | 87.0217% | 1,887 |
| Equity capital to assets | 10.4930% | 3,576 |
| Core capital (leverage) ratio | 10.3183% | 3,209 |
| Tier 1 risk-based capital ratio | 13.2264% | 4,020 |
| Total risk-based capital ratio | 14.4017% | 3,977 |
| Memoranda: | ||
| Average total assets | $350,990,000 | 1,903 |
| Average earning assets | $320,761,000 | 1,921 |
| Average equity | $35,427,500 | 2,067 |
| Average total loans | $253,402,500 | 1,775 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9461% | 649 |
| Cost of funding earning assets | 0.4870% | 2,217 |
| Net interest margin | 4.4591% | 676 |
| Noninterest income to average assets | 0.7410% | 1,969 |
| Noninterest expense to average assets | 2.8401% | 2,877 |
| Loan and lease loss provision to assets | 0.2053% | 1,044 |
| Net operating income to assets | 1.1762% | 1,680 |
| Return on assets (ROA) | 1.1762% | 1,778 |
| Pretax return on assets | 1.7694% | 938 |
| Return on Equity (ROE) | 11.8092% | 1,383 |
| Retained earnings to average equity (ytd only) | 7.6399% | 1,318 |
| Net charge-offs to loans | 0.0202% | 3,090 |
| Credit loss provision to net charge-offs | 1,440.0000% | 272 |
| Earnings coverage of net charge-offs (x) | 138.4800% | 431 |
| Efficiency ratio | 58.9859% | 4,773 |
| Assets per employee ($millions) | 3.9860% | 3,933 |
| Cash dividends to net income (ytd only)* | 35.3055% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 3,367 |
| Loan loss allowance to noncurrent loans | 126.7755% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.7880% | 2,627 |
| Noncurrent loans to loans | 0.9459% | 2,389 |
| Net loans and leases to total assets | 71.3349% | 2,277 |
| Net loans and leases to deposits | 81.3975% | 2,772 |
| Net loans and leases to core deposits | 87.6308% | 2,764 |
| Total domestic deposits to total assets | 87.6377% | 1,607 |
| Equity capital to assets | 9.9603% | 4,278 |
| Core capital (leverage) ratio | 10.0194% | 3,545 |
| Tier 1 risk-based capital ratio | 13.1991% | 4,077 |
| Total risk-based capital ratio | 14.3465% | 4,064 |
| Memoranda: | ||
| Average total assets | $350,626,330 | 1,908 |
| Average earning assets | $320,331,000 | 1,928 |
| Average equity | $34,922,000 | 2,090 |
| Average total loans | $248,120,330 | 1,808 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8895% | 708 |
| Cost of funding earning assets | 0.4877% | 2,198 |
| Net interest margin | 4.4018% | 738 |
| Noninterest income to average assets | 0.7087% | 2,000 |
| Noninterest expense to average assets | 2.8577% | 2,855 |
| Loan and lease loss provision to assets | 0.1962% | 1,004 |
| Net operating income to assets | 1.1161% | 1,845 |
| Return on assets (ROA) | 1.1161% | 1,945 |
| Pretax return on assets | 1.6759% | 1,123 |
| Return on Equity (ROE) | 11.2061% | 1,532 |
| Retained earnings to average equity (ytd only) | 2.7696% | 4,134 |
| Net charge-offs to loans | 0.0049% | 2,945 |
| Credit loss provision to net charge-offs | 5,666.6667% | 69 |
| Earnings coverage of net charge-offs (x) | 540.6667% | 98 |
| Efficiency ratio | 60.4197% | 4,693 |
| Assets per employee ($millions) | 3.8102% | 4,280 |
| Cash dividends to net income (ytd only)* | 75.2844% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 3,592 |
| Loan loss allowance to noncurrent loans | 111.7535% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.9757% | 2,270 |
| Noncurrent loans to loans | 1.0570% | 2,280 |
| Net loans and leases to total assets | 70.1204% | 2,320 |
| Net loans and leases to deposits | 80.0516% | 2,783 |
| Net loans and leases to core deposits | 86.1408% | 2,736 |
| Total domestic deposits to total assets | 87.5941% | 1,869 |
| Equity capital to assets | 9.8812% | 4,239 |
| Core capital (leverage) ratio | 9.9678% | 3,577 |
| Tier 1 risk-based capital ratio | 13.2392% | 4,127 |
| Total risk-based capital ratio | 14.3622% | 4,111 |
| Memoranda: | ||
| Average total assets | $346,568,000 | 1,935 |
| Average earning assets | $316,596,500 | 1,960 |
| Average equity | $34,517,000 | 2,117 |
| Average total loans | $242,673,000 | 1,845 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7014% | 1,102 |
| Cost of funding earning assets | 0.5097% | 2,075 |
| Net interest margin | 4.1918% | 1,187 |
| Noninterest income to average assets | 0.7486% | 1,991 |
| Noninterest expense to average assets | 2.8754% | 2,946 |
| Loan and lease loss provision to assets | 0.1337% | 1,782 |
| Net operating income to assets | 1.0416% | 2,166 |
| Return on assets (ROA) | 1.0416% | 2,250 |
| Pretax return on assets | 1.5619% | 1,368 |
| Return on Equity (ROE) | 10.7046% | 1,725 |
| Retained earnings to average equity (ytd only) | 9.0248% | 645 |
| Net charge-offs to loans | 0.1313% | 2,055 |
| Credit loss provision to net charge-offs | 148.5149% | 1,789 |
| Earnings coverage of net charge-offs (x) | 18.8317% | 1,988 |
| Efficiency ratio | 62.9047% | 4,460 |
| Assets per employee ($millions) | 3.8495% | 4,208 |
| Cash dividends to net income (ytd only)* | 15.6919% | 3,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 3,639 |
| Loan loss allowance to noncurrent loans | 248.2975% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.4533% | 3,795 |
| Noncurrent loans to loans | 0.4717% | 3,779 |
| Net loans and leases to total assets | 68.2544% | 2,666 |
| Net loans and leases to deposits | 78.0996% | 3,044 |
| Net loans and leases to core deposits | 83.3283% | 3,021 |
| Total domestic deposits to total assets | 87.3941% | 1,932 |
| Equity capital to assets | 10.0399% | 3,913 |
| Core capital (leverage) ratio | 9.9642% | 3,559 |
| Tier 1 risk-based capital ratio | 13.7396% | 3,862 |
| Total risk-based capital ratio | 14.8464% | 3,883 |
| Memoranda: | ||
| Average total assets | $336,510,800 | 1,952 |
| Average earning assets | $306,864,000 | 1,983 |
| Average equity | $32,743,000 | 2,158 |
| Average total loans | $230,746,200 | 1,856 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6848% | 1,124 |
| Cost of funding earning assets | 0.5144% | 2,086 |
| Net interest margin | 4.1704% | 1,233 |
| Noninterest income to average assets | 0.7487% | 2,030 |
| Noninterest expense to average assets | 2.9322% | 2,735 |
| Loan and lease loss provision to assets | 0.1592% | 1,347 |
| Net operating income to assets | 0.9716% | 2,614 |
| Return on assets (ROA) | 0.9716% | 2,698 |
| Pretax return on assets | 1.4555% | 1,816 |
| Return on Equity (ROE) | 10.0669% | 2,079 |
| Retained earnings to average equity (ytd only) | 7.7987% | 1,332 |
| Net charge-offs to loans | 0.1349% | 1,785 |
| Credit loss provision to net charge-offs | 172.4138% | 1,516 |
| Earnings coverage of net charge-offs (x) | 17.4868% | 2,053 |
| Efficiency ratio | 64.4870% | 4,161 |
| Assets per employee ($millions) | 4.0083% | 3,862 |
| Cash dividends to net income (ytd only)* | 22.5319% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 3,547 |
| Loan loss allowance to noncurrent loans | 190.4502% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.5532% | 3,647 |
| Noncurrent loans to loans | 0.6404% | 3,403 |
| Net loans and leases to total assets | 65.6016% | 3,075 |
| Net loans and leases to deposits | 74.8295% | 3,445 |
| Net loans and leases to core deposits | 79.3173% | 3,479 |
| Total domestic deposits to total assets | 87.6681% | 1,716 |
| Equity capital to assets | 9.6700% | 4,549 |
| Core capital (leverage) ratio | 9.7434% | 3,975 |
| Tier 1 risk-based capital ratio | 13.5557% | 4,108 |
| Total risk-based capital ratio | 14.6911% | 4,095 |
| Memoranda: | ||
| Average total assets | $334,988,000 | 1,970 |
| Average earning assets | $305,093,000 | 2,007 |
| Average equity | $32,329,500 | 2,198 |
| Average total loans | $229,279,750 | 1,880 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6903% | 1,086 |
| Cost of funding earning assets | 0.5225% | 2,049 |
| Net interest margin | 4.1678% | 1,177 |
| Noninterest income to average assets | 0.7319% | 2,081 |
| Noninterest expense to average assets | 2.8998% | 2,897 |
| Loan and lease loss provision to assets | 0.1809% | 1,127 |
| Net operating income to assets | 0.9652% | 2,564 |
| Return on assets (ROA) | 0.9652% | 2,672 |
| Pretax return on assets | 1.4457% | 1,817 |
| Return on Equity (ROE) | 10.0079% | 2,066 |
| Retained earnings to average equity (ytd only) | 7.8201% | 1,336 |
| Net charge-offs to loans | 0.2127% | 1,194 |
| Credit loss provision to net charge-offs | 122.9508% | 1,767 |
| Earnings coverage of net charge-offs (x) | 11.0574% | 2,327 |
| Efficiency ratio | 64.0650% | 4,352 |
| Assets per employee ($millions) | 3.8315% | 4,199 |
| Cash dividends to net income (ytd only)* | 21.8613% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 3,969 |
| Loan loss allowance to noncurrent loans | 433.4951% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 4,607 |
| Noncurrent loans to loans | 0.2703% | 4,701 |
| Net loans and leases to total assets | 67.7924% | 2,676 |
| Net loans and leases to deposits | 76.9393% | 3,169 |
| Net loans and leases to core deposits | 81.6968% | 3,215 |
| Total domestic deposits to total assets | 88.1116% | 1,588 |
| Equity capital to assets | 9.8080% | 4,267 |
| Core capital (leverage) ratio | 9.7020% | 3,997 |
| Tier 1 risk-based capital ratio | 13.7228% | 4,085 |
| Total risk-based capital ratio | 14.8473% | 4,092 |
| Memoranda: | ||
| Average total assets | $331,745,000 | 2,004 |
| Average earning assets | $302,030,330 | 2,035 |
| Average equity | $31,994,670 | 2,222 |
| Average total loans | $229,395,670 | 1,889 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6748% | 1,079 |
| Cost of funding earning assets | 0.5230% | 2,080 |
| Net interest margin | 4.1519% | 1,160 |
| Noninterest income to average assets | 0.7167% | 2,086 |
| Noninterest expense to average assets | 2.9624% | 2,695 |
| Loan and lease loss provision to assets | 0.1813% | 1,056 |
| Net operating income to assets | 0.9113% | 2,693 |
| Return on assets (ROA) | 0.9113% | 2,816 |
| Pretax return on assets | 1.3634% | 2,023 |
| Return on Equity (ROE) | 9.5307% | 2,206 |
| Retained earnings to average equity (ytd only) | 5.1067% | 2,997 |
| Net charge-offs to loans | 0.0836% | 1,876 |
| Credit loss provision to net charge-offs | 312.5000% | 787 |
| Earnings coverage of net charge-offs (x) | 26.6250% | 1,236 |
| Efficiency ratio | 65.7281% | 4,205 |
| Assets per employee ($millions) | 3.8347% | 4,282 |
| Cash dividends to net income (ytd only)* | 46.4191% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 4,019 |
| Loan loss allowance to noncurrent loans | 245.5856% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.4655% | 4,163 |
| Noncurrent loans to loans | 0.4862% | 4,120 |
| Net loans and leases to total assets | 66.8416% | 2,628 |
| Net loans and leases to deposits | 75.9380% | 3,064 |
| Net loans and leases to core deposits | 80.5578% | 3,098 |
| Total domestic deposits to total assets | 88.0213% | 1,806 |
| Equity capital to assets | 9.4374% | 4,824 |
| Core capital (leverage) ratio | 9.6907% | 4,026 |
| Tier 1 risk-based capital ratio | 13.0488% | 4,575 |
| Total risk-based capital ratio | 14.1657% | 4,568 |
| Memoranda: | ||
| Average total assets | $330,947,000 | 2,017 |
| Average earning assets | $302,130,000 | 2,039 |
| Average equity | $31,645,000 | 2,249 |
| Average total loans | $229,764,000 | 1,874 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5506% | 1,695 |
| Cost of funding earning assets | 0.6006% | 1,755 |
| Net interest margin | 3.9500% | 2,051 |
| Noninterest income to average assets | 0.8474% | 1,690 |
| Noninterest expense to average assets | 3.0584% | 2,658 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9163% | 2,800 |
| Return on assets (ROA) | 0.9163% | 2,892 |
| Pretax return on assets | 1.3735% | 1,986 |
| Return on Equity (ROE) | 9.8109% | 2,195 |
| Retained earnings to average equity (ytd only) | 8.9772% | 711 |
| Net charge-offs to loans | 0.1502% | 2,533 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 13.9557% | 2,220 |
| Efficiency ratio | 69.0091% | 3,712 |
| Assets per employee ($millions) | 3.6868% | 4,552 |
| Cash dividends to net income (ytd only)* | 8.4976% | 4,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 4,367 |
| Loan loss allowance to noncurrent loans | 172.6316% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 3,728 |
| Noncurrent loans to loans | 0.6573% | 3,714 |
| Net loans and leases to total assets | 70.4655% | 2,160 |
| Net loans and leases to deposits | 81.0052% | 2,604 |
| Net loans and leases to core deposits | 86.4464% | 2,651 |
| Total domestic deposits to total assets | 86.9889% | 2,299 |
| Equity capital to assets | 9.6915% | 4,480 |
| Core capital (leverage) ratio | 9.5722% | 4,145 |
| Tier 1 risk-based capital ratio | 13.1579% | 4,618 |
| Total risk-based capital ratio | 14.2559% | 4,638 |
| Memoranda: | ||
| Average total assets | $321,081,400 | 2,021 |
| Average earning assets | $291,367,000 | 2,062 |
| Average equity | $29,987,000 | 2,270 |
| Average total loans | $210,331,400 | 1,971 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4888% | 1,913 |
| Cost of funding earning assets | 0.5933% | 1,895 |
| Net interest margin | 3.8955% | 2,261 |
| Noninterest income to average assets | 0.8435% | 1,732 |
| Noninterest expense to average assets | 3.0709% | 2,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8660% | 3,096 |
| Return on assets (ROA) | 0.8660% | 3,181 |
| Pretax return on assets | 1.2965% | 2,389 |
| Return on Equity (ROE) | 9.3618% | 2,520 |
| Retained earnings to average equity (ytd only) | 8.2366% | 1,248 |
| Net charge-offs to loans | 0.0416% | 3,666 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 48.6570% | 996 |
| Efficiency ratio | 70.3146% | 3,454 |
| Assets per employee ($millions) | 3.6158% | 4,649 |
| Cash dividends to net income (ytd only)* | 12.0194% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 3,370 |
| Loan loss allowance to noncurrent loans | 124.5561% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.9182% | 3,143 |
| Noncurrent loans to loans | 1.0888% | 2,893 |
| Net loans and leases to total assets | 64.2846% | 3,142 |
| Net loans and leases to deposits | 73.3271% | 3,514 |
| Net loans and leases to core deposits | 77.9664% | 3,541 |
| Total domestic deposits to total assets | 87.6684% | 1,941 |
| Equity capital to assets | 9.3973% | 4,926 |
| Core capital (leverage) ratio | 9.4428% | 4,448 |
| Tier 1 risk-based capital ratio | 13.6906% | 4,422 |
| Total risk-based capital ratio | 14.9410% | 4,360 |
| Memoranda: | ||
| Average total assets | $320,242,250 | 2,041 |
| Average earning assets | $289,692,750 | 2,086 |
| Average equity | $29,623,000 | 2,302 |
| Average total loans | $205,104,000 | 2,020 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4535% | 1,984 |
| Cost of funding earning assets | 0.5856% | 2,021 |
| Net interest margin | 3.8679% | 2,302 |
| Noninterest income to average assets | 0.8464% | 1,678 |
| Noninterest expense to average assets | 3.0975% | 2,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8288% | 3,179 |
| Return on assets (ROA) | 0.8288% | 3,276 |
| Pretax return on assets | 1.2408% | 2,497 |
| Return on Equity (ROE) | 9.0091% | 2,593 |
| Retained earnings to average equity (ytd only) | 7.3028% | 1,613 |
| Net charge-offs to loans | 0.0483% | 3,285 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 40.3265% | 1,055 |
| Efficiency ratio | 71.3996% | 3,446 |
| Assets per employee ($millions) | 3.5639% | 4,732 |
| Cash dividends to net income (ytd only)* | 18.9394% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 3,303 |
| Loan loss allowance to noncurrent loans | 134.2154% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 3,365 |
| Noncurrent loans to loans | 1.0500% | 3,130 |
| Net loans and leases to total assets | 63.0538% | 3,231 |
| Net loans and leases to deposits | 70.8903% | 3,712 |
| Net loans and leases to core deposits | 75.5435% | 3,671 |
| Total domestic deposits to total assets | 88.9456% | 1,384 |
| Equity capital to assets | 9.2973% | 4,989 |
| Core capital (leverage) ratio | 9.4342% | 4,425 |
| Tier 1 risk-based capital ratio | 13.8718% | 4,334 |
| Total risk-based capital ratio | 15.1231% | 4,285 |
| Memoranda: | ||
| Average total assets | $318,515,330 | 2,051 |
| Average earning assets | $287,547,670 | 2,090 |
| Average equity | $29,303,670 | 2,310 |
| Average total loans | $202,781,000 | 2,029 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3950% | 2,154 |
| Cost of funding earning assets | 0.5790% | 2,161 |
| Net interest margin | 3.8159% | 2,402 |
| Noninterest income to average assets | 0.8267% | 1,648 |
| Noninterest expense to average assets | 3.1670% | 2,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7410% | 3,476 |
| Return on assets (ROA) | 0.7410% | 3,560 |
| Pretax return on assets | 1.1065% | 2,878 |
| Return on Equity (ROE) | 8.0978% | 2,882 |
| Retained earnings to average equity (ytd only) | 8.0978% | 1,560 |
| Net charge-offs to loans | 0.0437% | 2,777 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 39.9091% | 878 |
| Efficiency ratio | 74.1079% | 3,121 |
| Assets per employee ($millions) | 3.4855% | 4,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4339% | 3,446 |
| Loan loss allowance to noncurrent loans | 125.1823% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 1.0494% | 3,158 |
| Noncurrent loans to loans | 1.1455% | 3,130 |
| Net loans and leases to total assets | 63.9413% | 2,901 |
| Net loans and leases to deposits | 71.9871% | 3,337 |
| Net loans and leases to core deposits | 77.3033% | 3,279 |
| Total domestic deposits to total assets | 88.8233% | 1,767 |
| Equity capital to assets | 9.3527% | 4,693 |
| Core capital (leverage) ratio | 9.3546% | 4,496 |
| Tier 1 risk-based capital ratio | 13.7810% | 4,481 |
| Total risk-based capital ratio | 15.0323% | 4,439 |
| Memoranda: | ||
| Average total assets | $317,398,000 | 2,063 |
| Average earning assets | $286,691,500 | 2,099 |
| Average equity | $29,045,000 | 2,319 |
| Average total loans | $201,603,500 | 2,041 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 1,891 |
| Cost of funding earning assets | 0.6243% | 2,442 |
| Net interest margin | 3.9715% | 2,033 |
| Noninterest income to average assets | 0.9693% | 1,466 |
| Noninterest expense to average assets | 3.0234% | 2,984 |
| Loan and lease loss provision to assets | 0.2029% | 1,833 |
| Net operating income to assets | 0.8765% | 2,899 |
| Return on assets (ROA) | 0.8765% | 2,984 |
| Pretax return on assets | 1.3165% | 2,087 |
| Return on Equity (ROE) | 9.8628% | 2,165 |
| Retained earnings to average equity (ytd only) | 7.5067% | 1,232 |
| Net charge-offs to loans | 0.3685% | 1,837 |
| Credit loss provision to net charge-offs | 83.5544% | 2,937 |
| Earnings coverage of net charge-offs (x) | 6.2560% | 3,096 |
| Efficiency ratio | 66.5532% | 4,462 |
| Assets per employee ($millions) | 3.5678% | 4,767 |
| Cash dividends to net income (ytd only)* | 23.8883% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 3,326 |
| Loan loss allowance to noncurrent loans | 146.7798% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.9953% | 3,427 |
| Noncurrent loans to loans | 1.0030% | 3,509 |
| Net loans and leases to total assets | 61.2792% | 3,486 |
| Net loans and leases to deposits | 68.6396% | 3,958 |
| Net loans and leases to core deposits | 73.5589% | 3,887 |
| Total domestic deposits to total assets | 89.2768% | 1,442 |
| Equity capital to assets | 8.9539% | 5,093 |
| Core capital (leverage) ratio | 9.0029% | 5,001 |
| Tier 1 risk-based capital ratio | 13.5511% | 4,617 |
| Total risk-based capital ratio | 14.8029% | 4,564 |
| Memoranda: | ||
| Average total assets | $310,442,200 | 2,078 |
| Average earning assets | $279,340,200 | 2,121 |
| Average equity | $27,588,600 | 2,414 |
| Average total loans | $204,600,400 | 1,965 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6670% | 1,691 |
| Cost of funding earning assets | 0.6332% | 2,518 |
| Net interest margin | 4.0338% | 1,831 |
| Noninterest income to average assets | 0.9695% | 1,540 |
| Noninterest expense to average assets | 3.0454% | 2,835 |
| Loan and lease loss provision to assets | 0.2729% | 1,282 |
| Net operating income to assets | 0.8543% | 3,078 |
| Return on assets (ROA) | 0.8543% | 3,189 |
| Pretax return on assets | 1.2827% | 2,395 |
| Return on Equity (ROE) | 9.6317% | 2,336 |
| Retained earnings to average equity (ytd only) | 6.4570% | 2,158 |
| Net charge-offs to loans | 0.4774% | 1,347 |
| Credit loss provision to net charge-offs | 85.4817% | 2,723 |
| Earnings coverage of net charge-offs (x) | 4.8725% | 3,336 |
| Efficiency ratio | 66.1896% | 4,446 |
| Assets per employee ($millions) | 3.3352% | 5,214 |
| Cash dividends to net income (ytd only)* | 32.9616% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 3,518 |
| Loan loss allowance to noncurrent loans | 48.8841% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 2.3630% | 1,659 |
| Noncurrent loans to loans | 3.0341% | 1,317 |
| Net loans and leases to total assets | 61.9905% | 3,360 |
| Net loans and leases to deposits | 69.6993% | 3,827 |
| Net loans and leases to core deposits | 74.9427% | 3,742 |
| Total domestic deposits to total assets | 88.9399% | 1,590 |
| Equity capital to assets | 8.8388% | 5,370 |
| Core capital (leverage) ratio | 8.9108% | 5,250 |
| Tier 1 risk-based capital ratio | 13.4097% | 4,829 |
| Total risk-based capital ratio | 14.6620% | 4,767 |
| Memoranda: | ||
| Average total assets | $307,778,000 | 2,100 |
| Average earning assets | $277,087,500 | 2,144 |
| Average equity | $27,298,000 | 2,456 |
| Average total loans | $205,823,750 | 1,968 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7598% | 1,423 |
| Cost of funding earning assets | 0.6497% | 2,498 |
| Net interest margin | 4.1101% | 1,511 |
| Noninterest income to average assets | 0.8932% | 1,832 |
| Noninterest expense to average assets | 2.9840% | 3,053 |
| Loan and lease loss provision to assets | 0.3938% | 802 |
| Net operating income to assets | 0.8065% | 3,254 |
| Return on assets (ROA) | 0.8065% | 3,409 |
| Pretax return on assets | 1.2101% | 2,627 |
| Return on Equity (ROE) | 9.0827% | 2,575 |
| Retained earnings to average equity (ytd only) | 4.2790% | 3,569 |
| Net charge-offs to loans | 0.1279% | 3,100 |
| Credit loss provision to net charge-offs | 451.1278% | 604 |
| Earnings coverage of net charge-offs (x) | 18.3759% | 1,555 |
| Efficiency ratio | 65.0408% | 4,704 |
| Assets per employee ($millions) | 3.2697% | 5,336 |
| Cash dividends to net income (ytd only)* | 52.8885% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6918% | 2,805 |
| Loan loss allowance to noncurrent loans | 58.9778% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 2.3520% | 1,824 |
| Noncurrent loans to loans | 2.8686% | 1,573 |
| Net loans and leases to total assets | 66.7573% | 2,457 |
| Net loans and leases to deposits | 75.4470% | 2,955 |
| Net loans and leases to core deposits | 81.7250% | 2,829 |
| Total domestic deposits to total assets | 88.4825% | 1,925 |
| Equity capital to assets | 8.8710% | 5,367 |
| Core capital (leverage) ratio | 8.8710% | 5,188 |
| Tier 1 risk-based capital ratio | 12.8044% | 5,285 |
| Total risk-based capital ratio | 14.0595% | 5,211 |
| Memoranda: | ||
| Average total assets | $304,756,670 | 2,133 |
| Average earning assets | $273,961,670 | 2,162 |
| Average equity | $27,062,330 | 2,482 |
| Average total loans | $207,975,330 | 1,955 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7493% | 1,406 |
| Cost of funding earning assets | 0.6596% | 2,565 |
| Net interest margin | 4.0897% | 1,488 |
| Noninterest income to average assets | 0.8739% | 1,850 |
| Noninterest expense to average assets | 3.3467% | 1,967 |
| Loan and lease loss provision to assets | 0.1318% | 2,591 |
| Net operating income to assets | 0.7171% | 3,610 |
| Return on assets (ROA) | 0.7171% | 3,747 |
| Pretax return on assets | 1.0730% | 3,060 |
| Return on Equity (ROE) | 8.0709% | 2,938 |
| Retained earnings to average equity (ytd only) | 8.0709% | 1,728 |
| Net charge-offs to loans | 0.0077% | 4,000 |
| Credit loss provision to net charge-offs | 2,500.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 228.5000% | 174 |
| Efficiency ratio | 73.5303% | 3,345 |
| Assets per employee ($millions) | 3.2771% | 5,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 3,722 |
| Loan loss allowance to noncurrent loans | 73.5226% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.8102% | 2,598 |
| Noncurrent loans to loans | 2.0736% | 2,540 |
| Net loans and leases to total assets | 66.9739% | 2,203 |
| Net loans and leases to deposits | 75.6861% | 2,688 |
| Net loans and leases to core deposits | 82.1248% | 2,553 |
| Total domestic deposits to total assets | 88.4891% | 2,015 |
| Equity capital to assets | 8.9352% | 5,572 |
| Core capital (leverage) ratio | 8.9301% | 5,005 |
| Tier 1 risk-based capital ratio | 12.9427% | 5,267 |
| Total risk-based capital ratio | 14.1959% | 5,212 |
| Memoranda: | ||
| Average total assets | $303,460,500 | 2,164 |
| Average earning assets | $272,883,000 | 2,197 |
| Average equity | $26,961,000 | 2,526 |
| Average total loans | $207,608,500 | 1,961 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1791% | 1,156 |
| Cost of funding earning assets | 0.8661% | 2,173 |
| Net interest margin | 4.3130% | 1,380 |
| Noninterest income to average assets | 1.1188% | 1,242 |
| Noninterest expense to average assets | 3.3628% | 2,145 |
| Loan and lease loss provision to assets | 0.1173% | 4,157 |
| Net operating income to assets | 1.0045% | 2,319 |
| Return on assets (ROA) | 1.0045% | 2,540 |
| Pretax return on assets | 1.5026% | 1,669 |
| Return on Equity (ROE) | 11.8724% | 1,542 |
| Retained earnings to average equity (ytd only) | 9.2975% | 746 |
| Net charge-offs to loans | 0.1363% | 4,322 |
| Credit loss provision to net charge-offs | 123.2394% | 2,310 |
| Earnings coverage of net charge-offs (x) | 17.0176% | 1,534 |
| Efficiency ratio | 67.4896% | 4,234 |
| Assets per employee ($millions) | 3.1474% | 5,743 |
| Cash dividends to net income (ytd only)* | 21.6884% | 3,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 3,845 |
| Loan loss allowance to noncurrent loans | 108.2303% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.3950% | 3,307 |
| Noncurrent loans to loans | 1.3615% | 3,557 |
| Net loans and leases to total assets | 67.8061% | 2,213 |
| Net loans and leases to deposits | 76.4834% | 2,723 |
| Net loans and leases to core deposits | 82.9471% | 2,674 |
| Total domestic deposits to total assets | 88.6546% | 1,803 |
| Equity capital to assets | 8.8334% | 5,711 |
| Core capital (leverage) ratio | 8.6157% | 5,441 |
| Tier 1 risk-based capital ratio | 12.6995% | 5,325 |
| Total risk-based capital ratio | 13.9518% | 5,264 |
| Memoranda: | ||
| Average total assets | $298,351,600 | 2,150 |
| Average earning assets | $267,286,800 | 2,177 |
| Average equity | $25,243,400 | 2,630 |
| Average total loans | $208,327,200 | 1,938 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1959% | 1,203 |
| Cost of funding earning assets | 0.8968% | 2,192 |
| Net interest margin | 4.2991% | 1,461 |
| Noninterest income to average assets | 1.1181% | 1,202 |
| Noninterest expense to average assets | 3.3875% | 2,034 |
| Loan and lease loss provision to assets | 0.1569% | 3,555 |
| Net operating income to assets | 0.9522% | 2,738 |
| Return on assets (ROA) | 0.9522% | 2,961 |
| Pretax return on assets | 1.4230% | 2,165 |
| Return on Equity (ROE) | 11.3816% | 1,828 |
| Retained earnings to average equity (ytd only) | 7.8985% | 1,659 |
| Net charge-offs to loans | 0.2009% | 3,526 |
| Credit loss provision to net charge-offs | 111.4650% | 2,629 |
| Earnings coverage of net charge-offs (x) | 11.2228% | 2,095 |
| Efficiency ratio | 68.1949% | 4,020 |
| Assets per employee ($millions) | 3.2218% | 5,591 |
| Cash dividends to net income (ytd only)* | 30.6028% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 4,168 |
| Loan loss allowance to noncurrent loans | 184.7747% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.8428% | 4,605 |
| Noncurrent loans to loans | 0.7835% | 4,842 |
| Net loans and leases to total assets | 66.0920% | 2,632 |
| Net loans and leases to deposits | 74.2783% | 3,243 |
| Net loans and leases to core deposits | 81.1903% | 3,062 |
| Total domestic deposits to total assets | 88.9788% | 1,441 |
| Equity capital to assets | 8.2636% | 6,449 |
| Core capital (leverage) ratio | 8.5566% | 5,681 |
| Tier 1 risk-based capital ratio | 12.0761% | 5,899 |
| Total risk-based capital ratio | 13.3284% | 5,879 |
| Memoranda: | ||
| Average total assets | $297,402,000 | 2,174 |
| Average earning assets | $266,280,500 | 2,216 |
| Average equity | $24,881,750 | 2,702 |
| Average total loans | $208,424,000 | 1,952 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3141% | 1,024 |
| Cost of funding earning assets | 0.9209% | 2,253 |
| Net interest margin | 4.3932% | 1,219 |
| Noninterest income to average assets | 1.1062% | 1,170 |
| Noninterest expense to average assets | 3.4525% | 1,901 |
| Loan and lease loss provision to assets | 0.1642% | 3,461 |
| Net operating income to assets | 0.9454% | 2,680 |
| Return on assets (ROA) | 0.9454% | 2,940 |
| Pretax return on assets | 1.4119% | 2,161 |
| Return on Equity (ROE) | 11.2507% | 1,902 |
| Retained earnings to average equity (ytd only) | 5.9591% | 2,735 |
| Net charge-offs to loans | 0.1211% | 3,959 |
| Credit loss provision to net charge-offs | 190.4762% | 1,486 |
| Earnings coverage of net charge-offs (x) | 18.2857% | 1,495 |
| Efficiency ratio | 68.6573% | 4,009 |
| Assets per employee ($millions) | 3.1426% | 5,768 |
| Cash dividends to net income (ytd only)* | 47.0333% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 3,949 |
| Loan loss allowance to noncurrent loans | 151.8790% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 1.3634% | 3,707 |
| Noncurrent loans to loans | 0.9966% | 4,510 |
| Net loans and leases to total assets | 66.4257% | 2,588 |
| Net loans and leases to deposits | 74.2298% | 3,253 |
| Net loans and leases to core deposits | 80.9190% | 3,098 |
| Total domestic deposits to total assets | 89.4865% | 1,226 |
| Equity capital to assets | 8.2273% | 6,431 |
| Core capital (leverage) ratio | 8.4318% | 5,741 |
| Tier 1 risk-based capital ratio | 11.9014% | 5,994 |
| Total risk-based capital ratio | 13.1540% | 5,961 |
| Memoranda: | ||
| Average total assets | $292,364,000 | 2,211 |
| Average earning assets | $261,042,670 | 2,250 |
| Average equity | $24,567,330 | 2,713 |
| Average total loans | $208,038,000 | 1,957 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4777% | 786 |
| Cost of funding earning assets | 0.9874% | 2,049 |
| Net interest margin | 4.4903% | 1,028 |
| Noninterest income to average assets | 1.0820% | 1,229 |
| Noninterest expense to average assets | 3.4866% | 1,790 |
| Loan and lease loss provision to assets | 0.3355% | 1,867 |
| Net operating income to assets | 0.8500% | 3,163 |
| Return on assets (ROA) | 0.8500% | 3,400 |
| Pretax return on assets | 1.2652% | 2,669 |
| Return on Equity (ROE) | 10.0037% | 2,403 |
| Retained earnings to average equity (ytd only) | -0.6910% | 6,111 |
| Net charge-offs to loans | 0.1415% | 3,250 |
| Credit loss provision to net charge-offs | 324.3243% | 923 |
| Earnings coverage of net charge-offs (x) | 15.4730% | 1,415 |
| Efficiency ratio | 68.5353% | 4,064 |
| Assets per employee ($millions) | 3.0465% | 6,069 |
| Cash dividends to net income (ytd only)* | 106.9079% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 4,099 |
| Loan loss allowance to noncurrent loans | 171.4905% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 1.1243% | 4,252 |
| Noncurrent loans to loans | 0.8812% | 4,906 |
| Net loans and leases to total assets | 71.2498% | 1,525 |
| Net loans and leases to deposits | 78.8372% | 2,364 |
| Net loans and leases to core deposits | 85.9267% | 2,299 |
| Total domestic deposits to total assets | 90.3760% | 881 |
| Equity capital to assets | 8.3964% | 6,183 |
| Core capital (leverage) ratio | 8.2954% | 5,883 |
| Tier 1 risk-based capital ratio | 11.5892% | 6,230 |
| Total risk-based capital ratio | 12.8426% | 6,206 |
| Memoranda: | ||
| Average total assets | $286,127,500 | 2,276 |
| Average earning assets | $255,215,500 | 2,325 |
| Average equity | $24,311,000 | 2,737 |
| Average total loans | $209,256,000 | 1,954 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7864% | 662 |
| Cost of funding earning assets | 1.0753% | 2,841 |
| Net interest margin | 4.7111% | 734 |
| Noninterest income to average assets | 1.3183% | 744 |
| Noninterest expense to average assets | 3.6390% | 1,665 |
| Loan and lease loss provision to assets | 0.3822% | 2,705 |
| Net operating income to assets | 1.0013% | 2,190 |
| Return on assets (ROA) | 1.0013% | 2,335 |
| Pretax return on assets | 1.4943% | 1,490 |
| Return on Equity (ROE) | 11.6370% | 1,516 |
| Retained earnings to average equity (ytd only) | 8.8198% | 852 |
| Net charge-offs to loans | 0.2728% | 4,061 |
| Credit loss provision to net charge-offs | 182.3843% | 1,415 |
| Earnings coverage of net charge-offs (x) | 8.9537% | 2,058 |
| Efficiency ratio | 65.9770% | 4,775 |
| Assets per employee ($millions) | 3.0089% | 6,063 |
| Cash dividends to net income (ytd only)* | 24.2086% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 4,313 |
| Loan loss allowance to noncurrent loans | 171.2164% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 1.1335% | 4,342 |
| Noncurrent loans to loans | 0.8373% | 5,013 |
| Net loans and leases to total assets | 72.8830% | 1,478 |
| Net loans and leases to deposits | 80.8419% | 2,381 |
| Net loans and leases to core deposits | 88.3662% | 2,339 |
| Total domestic deposits to total assets | 90.1550% | 909 |
| Equity capital to assets | 8.5990% | 6,014 |
| Core capital (leverage) ratio | 8.8573% | 5,009 |
| Tier 1 risk-based capital ratio | 11.6642% | 6,047 |
| Total risk-based capital ratio | 12.9163% | 6,028 |
| Memoranda: | ||
| Average total assets | $268,149,600 | 2,353 |
| Average earning assets | $238,906,400 | 2,416 |
| Average equity | $23,073,000 | 2,775 |
| Average total loans | $206,034,600 | 1,987 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8472% | 632 |
| Cost of funding earning assets | 1.0788% | 3,118 |
| Net interest margin | 4.7685% | 666 |
| Noninterest income to average assets | 1.3410% | 727 |
| Noninterest expense to average assets | 3.7068% | 1,484 |
| Loan and lease loss provision to assets | 0.4411% | 2,269 |
| Net operating income to assets | 0.9684% | 2,441 |
| Return on assets (ROA) | 0.9684% | 2,613 |
| Pretax return on assets | 1.4448% | 1,803 |
| Return on Equity (ROE) | 11.2529% | 1,778 |
| Retained earnings to average equity (ytd only) | 7.4453% | 1,742 |
| Net charge-offs to loans | 0.4437% | 2,949 |
| Credit loss provision to net charge-offs | 128.1113% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.4773% | 2,770 |
| Efficiency ratio | 66.2791% | 4,674 |
| Assets per employee ($millions) | 2.8028% | 6,481 |
| Cash dividends to net income (ytd only)* | 33.8367% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 4,947 |
| Loan loss allowance to noncurrent loans | 177.4236% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 1.1168% | 4,544 |
| Noncurrent loans to loans | 0.7406% | 5,397 |
| Net loans and leases to total assets | 76.1206% | 960 |
| Net loans and leases to deposits | 84.8456% | 1,867 |
| Net loans and leases to core deposits | 92.2968% | 1,967 |
| Total domestic deposits to total assets | 89.7166% | 1,029 |
| Equity capital to assets | 8.7600% | 6,022 |
| Core capital (leverage) ratio | 8.7875% | 5,284 |
| Tier 1 risk-based capital ratio | 11.5597% | 6,208 |
| Total risk-based capital ratio | 12.8110% | 6,191 |
| Memoranda: | ||
| Average total assets | $264,478,500 | 2,396 |
| Average earning assets | $235,821,750 | 2,452 |
| Average equity | $22,761,000 | 2,806 |
| Average total loans | $205,259,250 | 2,018 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8410% | 662 |
| Cost of funding earning assets | 1.1001% | 3,233 |
| Net interest margin | 4.7409% | 670 |
| Noninterest income to average assets | 1.3242% | 719 |
| Noninterest expense to average assets | 3.6958% | 1,537 |
| Loan and lease loss provision to assets | 0.4183% | 2,342 |
| Net operating income to assets | 0.9553% | 2,414 |
| Return on assets (ROA) | 0.9553% | 2,511 |
| Pretax return on assets | 1.4254% | 1,741 |
| Return on Equity (ROE) | 11.1687% | 1,738 |
| Retained earnings to average equity (ytd only) | 5.3887% | 2,747 |
| Net charge-offs to loans | 0.3443% | 3,183 |
| Credit loss provision to net charge-offs | 156.2500% | 1,948 |
| Earnings coverage of net charge-offs (x) | 6.8864% | 2,317 |
| Efficiency ratio | 66.7170% | 4,740 |
| Assets per employee ($millions) | 2.7946% | 6,481 |
| Cash dividends to net income (ytd only)* | 51.7516% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 4,949 |
| Loan loss allowance to noncurrent loans | 143.6153% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 1.4449% | 4,045 |
| Noncurrent loans to loans | 0.9226% | 5,128 |
| Net loans and leases to total assets | 76.6659% | 971 |
| Net loans and leases to deposits | 85.2867% | 1,896 |
| Net loans and leases to core deposits | 92.4606% | 2,077 |
| Total domestic deposits to total assets | 89.8919% | 1,022 |
| Equity capital to assets | 8.6282% | 6,030 |
| Core capital (leverage) ratio | 8.6958% | 5,229 |
| Tier 1 risk-based capital ratio | 11.3446% | 6,287 |
| Total risk-based capital ratio | 12.5958% | 6,278 |
| Memoranda: | ||
| Average total assets | $262,949,670 | 2,432 |
| Average earning assets | $233,793,670 | 2,490 |
| Average equity | $22,491,330 | 2,817 |
| Average total loans | $204,498,670 | 2,043 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8196% | 714 |
| Cost of funding earning assets | 1.1406% | 3,225 |
| Net interest margin | 4.6790% | 742 |
| Noninterest income to average assets | 1.3131% | 744 |
| Noninterest expense to average assets | 3.6793% | 1,573 |
| Loan and lease loss provision to assets | 0.3898% | 2,238 |
| Net operating income to assets | 0.9477% | 2,368 |
| Return on assets (ROA) | 0.9477% | 2,434 |
| Pretax return on assets | 1.4139% | 1,687 |
| Return on Equity (ROE) | 11.1293% | 1,701 |
| Retained earnings to average equity (ytd only) | -0.5385% | 5,892 |
| Net charge-offs to loans | 0.0786% | 4,153 |
| Credit loss provision to net charge-offs | 637.5000% | 588 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 839 |
| Efficiency ratio | 67.1034% | 4,827 |
| Assets per employee ($millions) | 2.7860% | 6,558 |
| Cash dividends to net income (ytd only)* | 104.8387% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 4,908 |
| Loan loss allowance to noncurrent loans | 149.7006% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 1.2509% | 4,443 |
| Noncurrent loans to loans | 0.9007% | 5,245 |
| Net loans and leases to total assets | 76.8288% | 896 |
| Net loans and leases to deposits | 85.4362% | 1,810 |
| Net loans and leases to core deposits | 92.7729% | 2,035 |
| Total domestic deposits to total assets | 89.9254% | 1,191 |
| Equity capital to assets | 8.5037% | 5,896 |
| Core capital (leverage) ratio | 8.4812% | 5,491 |
| Tier 1 risk-based capital ratio | 11.1970% | 6,353 |
| Total risk-based capital ratio | 12.4486% | 6,325 |
| Memoranda: | ||
| Average total assets | $261,679,000 | 2,460 |
| Average earning assets | $233,210,500 | 2,514 |
| Average equity | $22,283,500 | 2,835 |
| Average total loans | $203,611,000 | 2,069 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0241% | 809 |
| Cost of funding earning assets | 1.3651% | 3,485 |
| Net interest margin | 4.6589% | 889 |
| Noninterest income to average assets | 1.3953% | 744 |
| Noninterest expense to average assets | 3.6734% | 1,767 |
| Loan and lease loss provision to assets | 0.4075% | 3,665 |
| Net operating income to assets | 0.9788% | 2,112 |
| Return on assets (ROA) | 0.9788% | 2,225 |
| Pretax return on assets | 1.4583% | 1,487 |
| Return on Equity (ROE) | 11.8114% | 1,361 |
| Retained earnings to average equity (ytd only) | 8.2480% | 902 |
| Net charge-offs to loans | 0.5741% | 3,328 |
| Credit loss provision to net charge-offs | 90.3141% | 5,118 |
| Earnings coverage of net charge-offs (x) | 4.1353% | 3,048 |
| Efficiency ratio | 66.3160% | 4,915 |
| Assets per employee ($millions) | 2.8421% | 6,453 |
| Cash dividends to net income (ytd only)* | 30.1689% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 5,285 |
| Loan loss allowance to noncurrent loans | 125.0617% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 1.6667% | 3,804 |
| Noncurrent loans to loans | 0.9972% | 5,066 |
| Net loans and leases to total assets | 76.7704% | 1,131 |
| Net loans and leases to deposits | 85.4005% | 2,207 |
| Net loans and leases to core deposits | 92.4360% | 2,443 |
| Total domestic deposits to total assets | 89.8945% | 1,164 |
| Equity capital to assets | 8.5275% | 5,816 |
| Core capital (leverage) ratio | 8.3296% | 5,646 |
| Tier 1 risk-based capital ratio | 11.1432% | 6,218 |
| Total risk-based capital ratio | 12.3936% | 6,195 |
| Memoranda: | ||
| Average total assets | $253,989,800 | 2,504 |
| Average earning assets | $225,910,400 | 2,562 |
| Average equity | $21,047,400 | 3,000 |
| Average total loans | $199,621,000 | 2,158 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0300% | 879 |
| Cost of funding earning assets | 1.4037% | 3,556 |
| Net interest margin | 4.6262% | 989 |
| Noninterest income to average assets | 1.3422% | 753 |
| Noninterest expense to average assets | 3.7981% | 1,375 |
| Loan and lease loss provision to assets | 0.3702% | 3,678 |
| Net operating income to assets | 0.8705% | 2,731 |
| Return on assets (ROA) | 0.8705% | 2,865 |
| Pretax return on assets | 1.2941% | 2,189 |
| Return on Equity (ROE) | 10.5841% | 1,913 |
| Retained earnings to average equity (ytd only) | 5.7615% | 2,506 |
| Net charge-offs to loans | 0.6884% | 2,703 |
| Credit loss provision to net charge-offs | 68.2261% | 5,469 |
| Earnings coverage of net charge-offs (x) | 3.0672% | 3,598 |
| Efficiency ratio | 69.5324% | 4,168 |
| Assets per employee ($millions) | 2.8481% | 6,487 |
| Cash dividends to net income (ytd only)* | 45.5653% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 5,647 |
| Loan loss allowance to noncurrent loans | 111.5921% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 1.9021% | 3,612 |
| Noncurrent loans to loans | 1.0441% | 5,158 |
| Net loans and leases to total assets | 75.1060% | 1,570 |
| Net loans and leases to deposits | 83.2822% | 2,847 |
| Net loans and leases to core deposits | 89.8854% | 3,108 |
| Total domestic deposits to total assets | 90.1825% | 784 |
| Equity capital to assets | 8.1817% | 6,631 |
| Core capital (leverage) ratio | 8.2351% | 5,984 |
| Tier 1 risk-based capital ratio | 10.8575% | 6,501 |
| Total risk-based capital ratio | 12.0326% | 6,540 |
| Memoranda: | ||
| Average total assets | $252,119,250 | 2,563 |
| Average earning assets | $224,540,000 | 2,611 |
| Average equity | $20,735,000 | 3,081 |
| Average total loans | $198,709,250 | 2,197 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1092% | 743 |
| Cost of funding earning assets | 1.4770% | 3,385 |
| Net interest margin | 4.6322% | 928 |
| Noninterest income to average assets | 1.3560% | 685 |
| Noninterest expense to average assets | 3.8124% | 1,342 |
| Loan and lease loss provision to assets | 0.4019% | 3,312 |
| Net operating income to assets | 0.8440% | 2,752 |
| Return on assets (ROA) | 0.8440% | 2,910 |
| Pretax return on assets | 1.2531% | 2,248 |
| Return on Equity (ROE) | 10.2436% | 2,010 |
| Retained earnings to average equity (ytd only) | 2.9267% | 4,270 |
| Net charge-offs to loans | 0.5308% | 2,943 |
| Credit loss provision to net charge-offs | 94.8767% | 4,265 |
| Earnings coverage of net charge-offs (x) | 3.9070% | 3,127 |
| Efficiency ratio | 69.7295% | 4,239 |
| Assets per employee ($millions) | 2.8074% | 6,559 |
| Cash dividends to net income (ytd only)* | 71.4286% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 4,728 |
| Loan loss allowance to noncurrent loans | 77.1883% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 2.3279% | 3,104 |
| Noncurrent loans to loans | 1.7367% | 4,078 |
| Net loans and leases to total assets | 75.4496% | 1,605 |
| Net loans and leases to deposits | 83.6727% | 2,933 |
| Net loans and leases to core deposits | 88.5271% | 3,481 |
| Total domestic deposits to total assets | 90.1722% | 831 |
| Equity capital to assets | 8.1505% | 6,598 |
| Core capital (leverage) ratio | 8.3426% | 5,685 |
| Tier 1 risk-based capital ratio | 10.8134% | 6,442 |
| Total risk-based capital ratio | 12.0645% | 6,421 |
| Memoranda: | ||
| Average total assets | $248,818,000 | 2,614 |
| Average earning assets | $220,846,000 | 2,671 |
| Average equity | $20,500,670 | 3,105 |
| Average total loans | $198,574,000 | 2,228 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2392% | 588 |
| Cost of funding earning assets | 1.5809% | 3,074 |
| Net interest margin | 4.6583% | 854 |
| Noninterest income to average assets | 1.3231% | 688 |
| Noninterest expense to average assets | 3.8975% | 1,172 |
| Loan and lease loss provision to assets | 0.4888% | 2,545 |
| Net operating income to assets | 0.7267% | 3,327 |
| Return on assets (ROA) | 0.7267% | 3,435 |
| Pretax return on assets | 1.0754% | 2,824 |
| Return on Equity (ROE) | 8.7709% | 2,571 |
| Retained earnings to average equity (ytd only) | -5.9784% | 6,660 |
| Net charge-offs to loans | 0.1639% | 3,939 |
| Credit loss provision to net charge-offs | 365.8537% | 1,114 |
| Earnings coverage of net charge-offs (x) | 11.7073% | 1,628 |
| Efficiency ratio | 71.3604% | 4,055 |
| Assets per employee ($millions) | 2.7111% | 6,841 |
| Cash dividends to net income (ytd only)* | 168.1614% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 4,238 |
| Loan loss allowance to noncurrent loans | 64.4755% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 2.8787% | 2,501 |
| Noncurrent loans to loans | 2.2259% | 3,491 |
| Net loans and leases to total assets | 80.6144% | 756 |
| Net loans and leases to deposits | 89.7995% | 1,930 |
| Net loans and leases to core deposits | 95.5359% | 2,635 |
| Total domestic deposits to total assets | 89.7715% | 1,101 |
| Equity capital to assets | 8.2780% | 6,333 |
| Core capital (leverage) ratio | 8.1862% | 5,932 |
| Tier 1 risk-based capital ratio | 10.4022% | 6,717 |
| Total risk-based capital ratio | 11.6548% | 6,710 |
| Memoranda: | ||
| Average total assets | $245,492,000 | 2,692 |
| Average earning assets | $218,106,500 | 2,761 |
| Average equity | $20,340,000 | 3,164 |
| Average total loans | $200,176,000 | 2,277 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3941% | 844 |
| Cost of funding earning assets | 1.9322% | 3,284 |
| Net interest margin | 4.4619% | 1,267 |
| Noninterest income to average assets | 1.4288% | 718 |
| Noninterest expense to average assets | 3.6395% | 2,060 |
| Loan and lease loss provision to assets | 0.2271% | 5,552 |
| Net operating income to assets | 1.0869% | 1,544 |
| Return on assets (ROA) | 1.0869% | 1,592 |
| Pretax return on assets | 1.5545% | 1,069 |
| Return on Equity (ROE) | 13.9773% | 787 |
| Retained earnings to average equity (ytd only) | 11.4217% | 256 |
| Net charge-offs to loans | 0.2193% | 5,247 |
| Credit loss provision to net charge-offs | 128.1465% | 4,031 |
| Earnings coverage of net charge-offs (x) | 10.0526% | 1,727 |
| Efficiency ratio | 67.1355% | 5,158 |
| Assets per employee ($millions) | 2.7443% | 6,767 |
| Cash dividends to net income (ytd only)* | 18.2836% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 4,660 |
| Loan loss allowance to noncurrent loans | 100.3413% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 2.1017% | 3,273 |
| Noncurrent loans to loans | 1.3133% | 4,729 |
| Net loans and leases to total assets | 80.2250% | 954 |
| Net loans and leases to deposits | 89.1458% | 2,367 |
| Net loans and leases to core deposits | 121.7149% | 1,807 |
| Total domestic deposits to total assets | 89.9931% | 964 |
| Equity capital to assets | 8.2927% | 6,208 |
| Core capital (leverage) ratio | 8.3067% | 5,600 |
| Tier 1 risk-based capital ratio | 10.4749% | 6,420 |
| Total risk-based capital ratio | 11.7264% | 6,392 |
| Memoranda: | ||
| Average total assets | $246,573,000 | 2,640 |
| Average earning assets | $220,624,200 | 2,700 |
| Average equity | $19,174,000 | 3,315 |
| Average total loans | $199,272,200 | 2,302 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4317% | 875 |
| Cost of funding earning assets | 2.0001% | 3,359 |
| Net interest margin | 4.4315% | 1,366 |
| Noninterest income to average assets | 1.4373% | 721 |
| Noninterest expense to average assets | 3.6472% | 1,930 |
| Loan and lease loss provision to assets | 0.2434% | 5,014 |
| Net operating income to assets | 1.0679% | 1,840 |
| Return on assets (ROA) | 1.0679% | 1,887 |
| Pretax return on assets | 1.5152% | 1,368 |
| Return on Equity (ROE) | 13.9647% | 940 |
| Retained earnings to average equity (ytd only) | 10.4983% | 547 |
| Net charge-offs to loans | 0.2514% | 4,477 |
| Credit loss provision to net charge-offs | 120.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | 8.6693% | 2,215 |
| Efficiency ratio | 67.4672% | 5,077 |
| Assets per employee ($millions) | 2.6834% | 6,891 |
| Cash dividends to net income (ytd only)* | 24.8228% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 4,532 |
| Loan loss allowance to noncurrent loans | 143.5359% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 1.6229% | 3,924 |
| Noncurrent loans to loans | 0.9032% | 5,480 |
| Net loans and leases to total assets | 81.0018% | 976 |
| Net loans and leases to deposits | 90.0382% | 2,578 |
| Net loans and leases to core deposits | 123.5809% | 1,946 |
| Total domestic deposits to total assets | 89.9638% | 781 |
| Equity capital to assets | 8.0901% | 6,756 |
| Core capital (leverage) ratio | 7.8604% | 6,554 |
| Tier 1 risk-based capital ratio | 10.2542% | 6,732 |
| Total risk-based capital ratio | 11.5052% | 6,670 |
| Memoranda: | ||
| Average total assets | $246,469,000 | 2,658 |
| Average earning assets | $220,715,500 | 2,711 |
| Average equity | $18,847,000 | 3,392 |
| Average total loans | $198,892,000 | 2,330 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3447% | 1,101 |
| Cost of funding earning assets | 2.0324% | 3,613 |
| Net interest margin | 4.3122% | 1,624 |
| Noninterest income to average assets | 1.4408% | 721 |
| Noninterest expense to average assets | 3.6347% | 1,981 |
| Loan and lease loss provision to assets | 0.1658% | 5,405 |
| Net operating income to assets | 1.0727% | 1,864 |
| Return on assets (ROA) | 1.0727% | 1,944 |
| Pretax return on assets | 1.5039% | 1,430 |
| Return on Equity (ROE) | 14.3009% | 946 |
| Retained earnings to average equity (ytd only) | 9.0162% | 932 |
| Net charge-offs to loans | 0.1119% | 5,041 |
| Credit loss provision to net charge-offs | 184.6847% | 2,479 |
| Earnings coverage of net charge-offs (x) | 18.5946% | 1,404 |
| Efficiency ratio | 68.5222% | 5,062 |
| Assets per employee ($millions) | 2.8250% | 6,567 |
| Cash dividends to net income (ytd only)* | 36.9532% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 4,305 |
| Loan loss allowance to noncurrent loans | 111.5991% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 1.7405% | 3,571 |
| Noncurrent loans to loans | 1.1600% | 4,895 |
| Net loans and leases to total assets | 79.3631% | 1,443 |
| Net loans and leases to deposits | 87.6768% | 3,225 |
| Net loans and leases to core deposits | 124.6399% | 1,969 |
| Total domestic deposits to total assets | 90.5178% | 623 |
| Equity capital to assets | 7.5914% | 7,186 |
| Core capital (leverage) ratio | 7.6542% | 6,817 |
| Tier 1 risk-based capital ratio | 9.8201% | 7,111 |
| Total risk-based capital ratio | 11.0713% | 7,053 |
| Memoranda: | ||
| Average total assets | $247,230,000 | 2,664 |
| Average earning assets | $221,508,670 | 2,725 |
| Average equity | $18,544,330 | 3,461 |
| Average total loans | $198,391,670 | 2,370 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3775% | 1,116 |
| Cost of funding earning assets | 2.0496% | 3,881 |
| Net interest margin | 4.3278% | 1,523 |
| Noninterest income to average assets | 1.5290% | 595 |
| Noninterest expense to average assets | 3.8477% | 1,387 |
| Loan and lease loss provision to assets | 0.2415% | 4,048 |
| Net operating income to assets | 0.9823% | 2,389 |
| Return on assets (ROA) | 0.9823% | 2,519 |
| Pretax return on assets | 1.3022% | 2,275 |
| Return on Equity (ROE) | 13.1779% | 1,341 |
| Retained earnings to average equity (ytd only) | 2.4517% | 4,511 |
| Net charge-offs to loans | 0.0550% | 4,698 |
| Credit loss provision to net charge-offs | 548.1481% | 1,016 |
| Earnings coverage of net charge-offs (x) | 35.0370% | 943 |
| Efficiency ratio | 71.3680% | 4,298 |
| Assets per employee ($millions) | 2.7636% | 6,728 |
| Cash dividends to net income (ytd only)* | 81.3953% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 3,882 |
| Loan loss allowance to noncurrent loans | 174.0619% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 1.0925% | 4,498 |
| Noncurrent loans to loans | 0.7671% | 5,513 |
| Net loans and leases to total assets | 79.4338% | 1,490 |
| Net loans and leases to deposits | 87.7608% | 3,325 |
| Net loans and leases to core deposits | 123.4054% | 2,125 |
| Total domestic deposits to total assets | 90.5118% | 586 |
| Equity capital to assets | 7.4574% | 7,385 |
| Core capital (leverage) ratio | 7.6743% | 6,921 |
| Tier 1 risk-based capital ratio | 9.6860% | 7,271 |
| Total risk-based capital ratio | 10.9380% | 7,180 |
| Memoranda: | ||
| Average total assets | $245,131,000 | 2,706 |
| Average earning assets | $218,770,500 | 2,778 |
| Average equity | $18,273,000 | 3,524 |
| Average total loans | $196,508,500 | 2,405 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4737% | 433 |
| Cost of funding earning assets | 2.6814% | 3,250 |
| Net interest margin | 4.7923% | 789 |
| Noninterest income to average assets | 1.5065% | 615 |
| Noninterest expense to average assets | 4.0054% | 1,413 |
| Loan and lease loss provision to assets | 0.3261% | 3,775 |
| Net operating income to assets | 0.9532% | 2,774 |
| Return on assets (ROA) | 0.9532% | 2,641 |
| Pretax return on assets | 1.3991% | 1,976 |
| Return on Equity (ROE) | 12.9467% | 1,339 |
| Retained earnings to average equity (ytd only) | 8.9924% | 613 |
| Net charge-offs to loans | 0.2025% | 4,179 |
| Credit loss provision to net charge-offs | 195.8549% | 2,504 |
| Earnings coverage of net charge-offs (x) | 10.3627% | 2,523 |
| Efficiency ratio | 69.8954% | 4,372 |
| Assets per employee ($millions) | 2.6555% | 6,875 |
| Cash dividends to net income (ytd only)* | 30.5430% | 4,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2938% | 3,828 |
| Loan loss allowance to noncurrent loans | 289.0034% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 5,163 |
| Noncurrent loans to loans | 0.4477% | 6,014 |
| Net loans and leases to total assets | 78.7855% | 1,937 |
| Net loans and leases to deposits | 87.0071% | 3,946 |
| Net loans and leases to core deposits | 118.0189% | 2,878 |
| Total domestic deposits to total assets | 90.5507% | 468 |
| Equity capital to assets | 7.4513% | 7,425 |
| Core capital (leverage) ratio | 7.5438% | 7,148 |
| Tier 1 risk-based capital ratio | 9.6943% | 7,091 |
| Total risk-based capital ratio | 10.9456% | 6,996 |
| Memoranda: | ||
| Average total assets | $231,861,000 | 2,746 |
| Average earning assets | $204,368,800 | 2,849 |
| Average equity | $17,070,000 | 3,726 |
| Average total loans | $190,663,400 | 2,383 |