Home > The Bank of Waynesboro > Performance and Condition Ratios
The Bank of Waynesboro, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9821% | 849 |
| Cost of funding earning assets | 0.6150% | 2,890 |
| Net interest margin | 4.3671% | 656 |
| Noninterest income to average assets | 0.8224% | 1,367 |
| Noninterest expense to average assets | 3.5517% | 697 |
| Loan and lease loss provision to assets | 0.4617% | 829 |
| Net operating income to assets | 0.6698% | 3,501 |
| Return on assets (ROA) | 0.6759% | 3,584 |
| Pretax return on assets | 0.8757% | 3,385 |
| Return on Equity (ROE) | 5.2502% | 3,758 |
| Retained earnings to average equity (ytd only) | 5.2502% | 2,364 |
| Net charge-offs to loans | 0.0368% | 1,997 |
| Credit loss provision to net charge-offs | 1,890.9091% | 502 |
| Earnings coverage of net charge-offs (x) | 54.4545% | 1,044 |
| Efficiency ratio | 72.7603% | 1,594 |
| Assets per employee ($millions) | 3.0885% | 4,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7791% | 691 |
| Loan loss allowance to noncurrent loans | 533.5821% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 2,603 |
| Noncurrent loans to loans | 0.3334% | 3,197 |
| Net loans and leases to total assets | 62.8548% | 3,027 |
| Net loans and leases to deposits | 72.1460% | 3,247 |
| Net loans and leases to core deposits | 75.7799% | 3,301 |
| Total domestic deposits to total assets | 87.1216% | 1,569 |
| Equity capital to assets | 12.5748% | 1,347 |
| Core capital (leverage) ratio | 12.7204% | 1,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9931% | 674 |
| Memoranda: | ||
| Average total assets | $180,196,000 | 3,076 |
| Average earning assets | $167,480,333 | 3,070 |
| Average equity | $23,199,000 | 2,916 |
| Average total loans | $119,597,000 | 2,985 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3079% | 547 |
| Cost of funding earning assets | 0.6681% | 3,069 |
| Net interest margin | 4.6398% | 384 |
| Noninterest income to average assets | 0.5656% | 2,207 |
| Noninterest expense to average assets | 3.1529% | 1,521 |
| Loan and lease loss provision to assets | 0.3589% | 859 |
| Net operating income to assets | 1.0160% | 2,128 |
| Return on assets (ROA) | 1.0267% | 2,185 |
| Pretax return on assets | 1.3584% | 1,693 |
| Return on Equity (ROE) | 7.8770% | 2,568 |
| Retained earnings to average equity (ytd only) | 7.8770% | 1,265 |
| Net charge-offs to loans | 0.0369% | 1,680 |
| Credit loss provision to net charge-offs | 1,436.3636% | 458 |
| Earnings coverage of net charge-offs (x) | 68.1818% | 738 |
| Efficiency ratio | 64.9205% | 3,097 |
| Assets per employee ($millions) | 2.9088% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 1,085 |
| Loan loss allowance to noncurrent loans | 352.7881% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 2,550 |
| Noncurrent loans to loans | 0.4521% | 2,894 |
| Net loans and leases to total assets | 66.0033% | 2,814 |
| Net loans and leases to deposits | 76.1909% | 3,055 |
| Net loans and leases to core deposits | 80.3151% | 3,169 |
| Total domestic deposits to total assets | 86.6289% | 1,725 |
| Equity capital to assets | 12.9456% | 1,451 |
| Core capital (leverage) ratio | 13.2298% | 1,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4722% | 805 |
| Memoranda: | ||
| Average total assets | $176,093,500 | 3,074 |
| Average earning assets | $162,851,500 | 3,085 |
| Average equity | $22,953,000 | 2,927 |
| Average total loans | $119,113,500 | 2,968 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5219% | 542 |
| Cost of funding earning assets | 0.6656% | 3,329 |
| Net interest margin | 4.8563% | 361 |
| Noninterest income to average assets | 0.8291% | 1,363 |
| Noninterest expense to average assets | 3.1548% | 1,630 |
| Loan and lease loss provision to assets | 0.2448% | 764 |
| Net operating income to assets | 1.5647% | 908 |
| Return on assets (ROA) | 1.5803% | 931 |
| Pretax return on assets | 2.0053% | 595 |
| Return on Equity (ROE) | 12.0226% | 1,503 |
| Retained earnings to average equity (ytd only) | 4.0606% | 2,934 |
| Net charge-offs to loans | 0.3445% | 589 |
| Credit loss provision to net charge-offs | 100.4773% | 2,454 |
| Earnings coverage of net charge-offs (x) | 9.1551% | 2,696 |
| Efficiency ratio | 58.5835% | 3,902 |
| Assets per employee ($millions) | 2.8648% | 4,878 |
| Cash dividends to net income (ytd only)* | 66.2252% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4688% | 1,312 |
| Loan loss allowance to noncurrent loans | 441.0579% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 2,519 |
| Noncurrent loans to loans | 0.3330% | 3,248 |
| Net loans and leases to total assets | 67.2181% | 2,797 |
| Net loans and leases to deposits | 77.7584% | 3,034 |
| Net loans and leases to core deposits | 81.8041% | 3,145 |
| Total domestic deposits to total assets | 86.4448% | 1,868 |
| Equity capital to assets | 13.1249% | 1,446 |
| Core capital (leverage) ratio | 13.0574% | 1,210 |
| Tier 1 risk-based capital ratio | 18.9081% | 1,536 |
| Total risk-based capital ratio | 20.1607% | 1,502 |
| Memoranda: | ||
| Average total assets | $171,990,000 | 3,092 |
| Average earning assets | $161,358,200 | 3,073 |
| Average equity | $22,607,400 | 2,903 |
| Average total loans | $121,609,600 | 2,927 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5511% | 539 |
| Cost of funding earning assets | 0.6548% | 3,428 |
| Net interest margin | 4.8963% | 344 |
| Noninterest income to average assets | 0.9216% | 1,100 |
| Noninterest expense to average assets | 3.1243% | 1,657 |
| Loan and lease loss provision to assets | 0.3253% | 431 |
| Net operating income to assets | 1.6309% | 861 |
| Return on assets (ROA) | 1.6408% | 889 |
| Pretax return on assets | 2.0766% | 582 |
| Return on Equity (ROE) | 12.4776% | 1,455 |
| Retained earnings to average equity (ytd only) | 7.1503% | 1,788 |
| Net charge-offs to loans | 0.0949% | 1,528 |
| Credit loss provision to net charge-offs | 480.4598% | 651 |
| Earnings coverage of net charge-offs (x) | 35.2865% | 1,473 |
| Efficiency ratio | 56.6629% | 4,097 |
| Assets per employee ($millions) | 2.8370% | 4,960 |
| Cash dividends to net income (ytd only)* | 42.6944% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7251% | 776 |
| Loan loss allowance to noncurrent loans | 200.7722% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.8049% | 1,716 |
| Noncurrent loans to loans | 0.8592% | 1,867 |
| Net loans and leases to total assets | 68.4682% | 2,718 |
| Net loans and leases to deposits | 79.4820% | 2,956 |
| Net loans and leases to core deposits | 83.3047% | 3,153 |
| Total domestic deposits to total assets | 86.1430% | 1,928 |
| Equity capital to assets | 13.4364% | 1,388 |
| Core capital (leverage) ratio | 13.4696% | 1,144 |
| Tier 1 risk-based capital ratio | 18.4143% | 1,709 |
| Total risk-based capital ratio | 19.6691% | 1,674 |
| Memoranda: | ||
| Average total assets | $171,299,500 | 3,132 |
| Average earning assets | $160,660,250 | 3,109 |
| Average equity | $22,525,250 | 2,933 |
| Average total loans | $122,208,000 | 2,952 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5548% | 511 |
| Cost of funding earning assets | 0.6257% | 3,525 |
| Net interest margin | 4.9291% | 333 |
| Noninterest income to average assets | 1.1001% | 704 |
| Noninterest expense to average assets | 3.1609% | 1,590 |
| Loan and lease loss provision to assets | 0.4862% | 241 |
| Net operating income to assets | 1.6799% | 755 |
| Return on assets (ROA) | 1.6894% | 769 |
| Pretax return on assets | 2.0889% | 567 |
| Return on Equity (ROE) | 12.9428% | 1,265 |
| Retained earnings to average equity (ytd only) | 4.8648% | 2,832 |
| Net charge-offs to loans | 0.0342% | 2,180 |
| Credit loss provision to net charge-offs | 1,976.1905% | 194 |
| Earnings coverage of net charge-offs (x) | 104.1905% | 676 |
| Efficiency ratio | 55.2190% | 4,345 |
| Assets per employee ($millions) | 2.7600% | 5,035 |
| Cash dividends to net income (ytd only)* | 62.4133% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7636% | 733 |
| Loan loss allowance to noncurrent loans | 176.7327% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.8868% | 1,584 |
| Noncurrent loans to loans | 0.9979% | 1,638 |
| Net loans and leases to total assets | 68.6205% | 2,735 |
| Net loans and leases to deposits | 79.2139% | 3,036 |
| Net loans and leases to core deposits | 83.3305% | 3,171 |
| Total domestic deposits to total assets | 86.6268% | 1,762 |
| Equity capital to assets | 12.9953% | 1,589 |
| Core capital (leverage) ratio | 12.9562% | 1,313 |
| Tier 1 risk-based capital ratio | 17.3943% | 1,968 |
| Total risk-based capital ratio | 18.6494% | 1,923 |
| Memoranda: | ||
| Average total assets | $170,712,670 | 3,154 |
| Average earning assets | $160,149,670 | 3,131 |
| Average equity | $22,282,670 | 2,945 |
| Average total loans | $122,753,670 | 2,948 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5370% | 491 |
| Cost of funding earning assets | 0.5802% | 3,675 |
| Net interest margin | 4.9568% | 307 |
| Noninterest income to average assets | 0.7001% | 1,615 |
| Noninterest expense to average assets | 3.1290% | 1,661 |
| Loan and lease loss provision to assets | 0.0284% | 3,044 |
| Net operating income to assets | 1.6387% | 828 |
| Return on assets (ROA) | 1.6555% | 831 |
| Pretax return on assets | 2.2113% | 440 |
| Return on Equity (ROE) | 12.6548% | 1,338 |
| Retained earnings to average equity (ytd only) | 12.6548% | 520 |
| Net charge-offs to loans | 0.0746% | 1,322 |
| Credit loss provision to net charge-offs | 52.1739% | 1,958 |
| Earnings coverage of net charge-offs (x) | 40.7826% | 1,142 |
| Efficiency ratio | 58.5139% | 4,009 |
| Assets per employee ($millions) | 2.8258% | 5,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 1,630 |
| Loan loss allowance to noncurrent loans | 363.5983% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 2,679 |
| Noncurrent loans to loans | 0.3886% | 3,192 |
| Net loans and leases to total assets | 70.3536% | 2,428 |
| Net loans and leases to deposits | 81.4289% | 2,677 |
| Net loans and leases to core deposits | 84.8620% | 2,959 |
| Total domestic deposits to total assets | 86.3988% | 2,110 |
| Equity capital to assets | 13.0906% | 1,399 |
| Core capital (leverage) ratio | 13.4591% | 1,098 |
| Tier 1 risk-based capital ratio | 17.3141% | 2,007 |
| Total risk-based capital ratio | 18.5654% | 1,951 |
| Memoranda: | ||
| Average total assets | $169,130,000 | 3,200 |
| Average earning assets | $158,569,000 | 3,180 |
| Average equity | $22,126,000 | 2,962 |
| Average total loans | $123,401,500 | 2,985 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3264% | 555 |
| Cost of funding earning assets | 0.4739% | 3,521 |
| Net interest margin | 4.8524% | 355 |
| Noninterest income to average assets | 0.6878% | 1,892 |
| Noninterest expense to average assets | 3.2389% | 1,455 |
| Loan and lease loss provision to assets | 0.0992% | 2,199 |
| Net operating income to assets | 1.4140% | 1,381 |
| Return on assets (ROA) | 1.4155% | 1,370 |
| Pretax return on assets | 1.8730% | 761 |
| Return on Equity (ROE) | 10.7369% | 2,193 |
| Retained earnings to average equity (ytd only) | 3.0710% | 3,861 |
| Net charge-offs to loans | 0.1065% | 1,688 |
| Credit loss provision to net charge-offs | 130.6452% | 2,023 |
| Earnings coverage of net charge-offs (x) | 25.9435% | 1,747 |
| Efficiency ratio | 62.1752% | 3,490 |
| Assets per employee ($millions) | 2.7194% | 5,130 |
| Cash dividends to net income (ytd only)* | 71.3977% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 1,590 |
| Loan loss allowance to noncurrent loans | 212.2573% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.6945% | 1,994 |
| Noncurrent loans to loans | 0.6656% | 2,329 |
| Net loans and leases to total assets | 73.5715% | 2,000 |
| Net loans and leases to deposits | 85.0611% | 2,396 |
| Net loans and leases to core deposits | 88.7857% | 2,673 |
| Total domestic deposits to total assets | 86.4924% | 2,021 |
| Equity capital to assets | 13.0735% | 1,313 |
| Core capital (leverage) ratio | 13.1943% | 1,179 |
| Tier 1 risk-based capital ratio | 16.7858% | 2,142 |
| Total risk-based capital ratio | 18.0369% | 2,085 |
| Memoranda: | ||
| Average total assets | $163,264,000 | 3,234 |
| Average earning assets | $152,130,000 | 3,222 |
| Average equity | $21,524,000 | 2,938 |
| Average total loans | $116,458,200 | 3,037 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2591% | 558 |
| Cost of funding earning assets | 0.4545% | 3,497 |
| Net interest margin | 4.8046% | 374 |
| Noninterest income to average assets | 0.6806% | 1,936 |
| Noninterest expense to average assets | 3.2019% | 1,516 |
| Loan and lease loss provision to assets | 0.0689% | 2,597 |
| Net operating income to assets | 1.4164% | 1,428 |
| Return on assets (ROA) | 1.4177% | 1,425 |
| Pretax return on assets | 1.8842% | 843 |
| Return on Equity (ROE) | 10.7306% | 2,293 |
| Retained earnings to average equity (ytd only) | 6.0759% | 2,620 |
| Net charge-offs to loans | 0.0721% | 1,808 |
| Credit loss provision to net charge-offs | 135.4839% | 1,840 |
| Earnings coverage of net charge-offs (x) | 38.3892% | 1,387 |
| Efficiency ratio | 62.1321% | 3,494 |
| Assets per employee ($millions) | 2.7216% | 5,201 |
| Cash dividends to net income (ytd only)* | 43.3778% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 1,478 |
| Loan loss allowance to noncurrent loans | 200.5787% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.7469% | 1,986 |
| Noncurrent loans to loans | 0.7300% | 2,250 |
| Net loans and leases to total assets | 70.2533% | 2,605 |
| Net loans and leases to deposits | 81.3570% | 2,884 |
| Net loans and leases to core deposits | 84.7597% | 3,097 |
| Total domestic deposits to total assets | 86.3518% | 2,036 |
| Equity capital to assets | 13.1410% | 1,275 |
| Core capital (leverage) ratio | 13.4884% | 1,108 |
| Tier 1 risk-based capital ratio | 17.6654% | 1,878 |
| Total risk-based capital ratio | 18.9172% | 1,837 |
| Memoranda: | ||
| Average total assets | $162,608,750 | 3,275 |
| Average earning assets | $151,379,000 | 3,258 |
| Average equity | $21,483,250 | 2,951 |
| Average total loans | $114,624,500 | 3,087 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1503% | 606 |
| Cost of funding earning assets | 0.4303% | 3,495 |
| Net interest margin | 4.7200% | 414 |
| Noninterest income to average assets | 0.6726% | 1,992 |
| Noninterest expense to average assets | 3.1857% | 1,573 |
| Loan and lease loss provision to assets | 0.0062% | 3,715 |
| Net operating income to assets | 1.4063% | 1,418 |
| Return on assets (ROA) | 1.4083% | 1,408 |
| Pretax return on assets | 1.8715% | 834 |
| Return on Equity (ROE) | 10.6399% | 2,261 |
| Retained earnings to average equity (ytd only) | 3.6215% | 3,784 |
| Net charge-offs to loans | 0.1111% | 1,265 |
| Credit loss provision to net charge-offs | 7.9365% | 2,737 |
| Earnings coverage of net charge-offs (x) | 24.0317% | 1,689 |
| Efficiency ratio | 62.9466% | 3,492 |
| Assets per employee ($millions) | 2.6805% | 5,270 |
| Cash dividends to net income (ytd only)* | 65.9631% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 1,577 |
| Loan loss allowance to noncurrent loans | 171.6511% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.8232% | 1,820 |
| Noncurrent loans to loans | 0.8418% | 2,040 |
| Net loans and leases to total assets | 67.8420% | 2,894 |
| Net loans and leases to deposits | 78.2410% | 3,134 |
| Net loans and leases to core deposits | 81.4827% | 3,288 |
| Total domestic deposits to total assets | 86.7091% | 1,967 |
| Equity capital to assets | 12.8474% | 1,373 |
| Core capital (leverage) ratio | 13.1465% | 1,171 |
| Tier 1 risk-based capital ratio | 17.6365% | 1,906 |
| Total risk-based capital ratio | 18.8878% | 1,861 |
| Memoranda: | ||
| Average total assets | $161,473,330 | 3,305 |
| Average earning assets | $150,126,330 | 3,292 |
| Average equity | $21,372,330 | 2,981 |
| Average total loans | $113,378,000 | 3,118 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0507% | 626 |
| Cost of funding earning assets | 0.3979% | 3,605 |
| Net interest margin | 4.6528% | 443 |
| Noninterest income to average assets | 0.6687% | 1,963 |
| Noninterest expense to average assets | 3.1449% | 1,703 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3887% | 1,373 |
| Return on assets (ROA) | 1.3927% | 1,372 |
| Pretax return on assets | 1.8502% | 823 |
| Return on Equity (ROE) | 10.3634% | 2,246 |
| Retained earnings to average equity (ytd only) | 10.3634% | 1,049 |
| Net charge-offs to loans | 0.0354% | 1,811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 73.4000% | 747 |
| Efficiency ratio | 63.0227% | 3,632 |
| Assets per employee ($millions) | 2.8109% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 1,426 |
| Loan loss allowance to noncurrent loans | 134.3602% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 1.0875% | 1,430 |
| Noncurrent loans to loans | 1.1242% | 1,632 |
| Net loans and leases to total assets | 68.0286% | 2,768 |
| Net loans and leases to deposits | 78.7471% | 2,941 |
| Net loans and leases to core deposits | 81.8607% | 3,149 |
| Total domestic deposits to total assets | 86.3886% | 2,366 |
| Equity capital to assets | 13.2255% | 1,144 |
| Core capital (leverage) ratio | 13.8277% | 911 |
| Tier 1 risk-based capital ratio | 18.2575% | 1,759 |
| Total risk-based capital ratio | 19.5095% | 1,719 |
| Memoranda: | ||
| Average total assets | $159,115,500 | 3,372 |
| Average earning assets | $147,781,000 | 3,365 |
| Average equity | $21,383,000 | 3,005 |
| Average total loans | $112,867,500 | 3,148 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1634% | 473 |
| Cost of funding earning assets | 0.3473% | 3,739 |
| Net interest margin | 4.8161% | 343 |
| Noninterest income to average assets | 1.2204% | 705 |
| Noninterest expense to average assets | 3.0258% | 2,083 |
| Loan and lease loss provision to assets | 0.2476% | 761 |
| Net operating income to assets | 1.6356% | 606 |
| Return on assets (ROA) | 1.6325% | 627 |
| Pretax return on assets | 2.3930% | 221 |
| Return on Equity (ROE) | 11.8459% | 1,255 |
| Retained earnings to average equity (ytd only) | 3.2895% | 3,333 |
| Net charge-offs to loans | 0.4180% | 594 |
| Credit loss provision to net charge-offs | 81.6415% | 2,919 |
| Earnings coverage of net charge-offs (x) | 8.7214% | 2,873 |
| Efficiency ratio | 53.3557% | 5,002 |
| Assets per employee ($millions) | 2.6758% | 5,391 |
| Cash dividends to net income (ytd only)* | 72.2311% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 1,367 |
| Loan loss allowance to noncurrent loans | 190.1111% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.9665% | 1,602 |
| Noncurrent loans to loans | 0.7956% | 2,224 |
| Net loans and leases to total assets | 71.7883% | 2,267 |
| Net loans and leases to deposits | 83.5952% | 2,537 |
| Net loans and leases to core deposits | 87.0939% | 2,814 |
| Total domestic deposits to total assets | 85.8761% | 2,499 |
| Equity capital to assets | 13.6625% | 999 |
| Core capital (leverage) ratio | 13.8230% | 880 |
| Tier 1 risk-based capital ratio | 17.8996% | 1,827 |
| Total risk-based capital ratio | 19.1524% | 1,774 |
| Memoranda: | ||
| Average total assets | $152,651,600 | 3,436 |
| Average earning assets | $141,069,400 | 3,437 |
| Average equity | $21,036,800 | 3,031 |
| Average total loans | $110,771,800 | 3,169 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1716% | 441 |
| Cost of funding earning assets | 0.3400% | 3,772 |
| Net interest margin | 4.8317% | 315 |
| Noninterest income to average assets | 0.7745% | 1,687 |
| Noninterest expense to average assets | 3.0628% | 1,916 |
| Loan and lease loss provision to assets | 0.0342% | 3,437 |
| Net operating income to assets | 1.3722% | 1,152 |
| Return on assets (ROA) | 1.3683% | 1,180 |
| Pretax return on assets | 2.1339% | 422 |
| Return on Equity (ROE) | 9.9069% | 2,176 |
| Retained earnings to average equity (ytd only) | 5.1439% | 2,779 |
| Net charge-offs to loans | 0.3328% | 633 |
| Credit loss provision to net charge-offs | 14.1818% | 3,197 |
| Earnings coverage of net charge-offs (x) | 9.0145% | 2,725 |
| Efficiency ratio | 58.4827% | 4,437 |
| Assets per employee ($millions) | 2.6423% | 5,470 |
| Cash dividends to net income (ytd only)* | 48.0771% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 1,897 |
| Loan loss allowance to noncurrent loans | 234.3844% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.8626% | 1,996 |
| Noncurrent loans to loans | 0.5965% | 2,922 |
| Net loans and leases to total assets | 71.8358% | 2,276 |
| Net loans and leases to deposits | 84.0435% | 2,555 |
| Net loans and leases to core deposits | 86.8740% | 2,883 |
| Total domestic deposits to total assets | 85.4745% | 2,526 |
| Equity capital to assets | 13.9937% | 997 |
| Core capital (leverage) ratio | 14.2124% | 835 |
| Tier 1 risk-based capital ratio | 18.1054% | 1,829 |
| Total risk-based capital ratio | 19.3562% | 1,783 |
| Memoranda: | ||
| Average total assets | $152,015,000 | 3,476 |
| Average earning assets | $140,403,500 | 3,473 |
| Average equity | $20,995,000 | 3,064 |
| Average total loans | $110,183,500 | 3,204 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1991% | 396 |
| Cost of funding earning assets | 0.3383% | 3,709 |
| Net interest margin | 4.8608% | 283 |
| Noninterest income to average assets | 0.7863% | 1,618 |
| Noninterest expense to average assets | 3.0184% | 2,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4448% | 963 |
| Return on assets (ROA) | 1.4406% | 1,004 |
| Pretax return on assets | 2.2533% | 321 |
| Return on Equity (ROE) | 10.4775% | 1,841 |
| Retained earnings to average equity (ytd only) | 3.2814% | 3,766 |
| Net charge-offs to loans | 0.3318% | 607 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 9.4121% | 2,436 |
| Efficiency ratio | 57.1857% | 4,683 |
| Assets per employee ($millions) | 2.8954% | 5,359 |
| Cash dividends to net income (ytd only)* | 68.6813% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 1,640 |
| Loan loss allowance to noncurrent loans | 234.0580% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.8156% | 2,171 |
| Noncurrent loans to loans | 0.6330% | 2,830 |
| Net loans and leases to total assets | 71.3234% | 2,313 |
| Net loans and leases to deposits | 83.3496% | 2,564 |
| Net loans and leases to core deposits | 85.9556% | 2,883 |
| Total domestic deposits to total assets | 85.5714% | 2,584 |
| Equity capital to assets | 13.9358% | 989 |
| Core capital (leverage) ratio | 13.8636% | 896 |
| Tier 1 risk-based capital ratio | 18.2355% | 1,790 |
| Total risk-based capital ratio | 19.4878% | 1,753 |
| Memoranda: | ||
| Average total assets | $151,601,670 | 3,498 |
| Average earning assets | $140,100,330 | 3,494 |
| Average equity | $20,844,670 | 3,078 |
| Average total loans | $109,693,670 | 3,226 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9796% | 543 |
| Cost of funding earning assets | 0.3382% | 3,659 |
| Net interest margin | 4.6414% | 414 |
| Noninterest income to average assets | 0.7731% | 1,651 |
| Noninterest expense to average assets | 3.0002% | 2,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3253% | 1,178 |
| Return on assets (ROA) | 1.3253% | 1,211 |
| Pretax return on assets | 2.0668% | 447 |
| Return on Equity (ROE) | 9.7035% | 2,099 |
| Retained earnings to average equity (ytd only) | 9.7035% | 882 |
| Net charge-offs to loans | 0.2290% | 784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 12.4762% | 1,839 |
| Efficiency ratio | 59.2112% | 4,566 |
| Assets per employee ($millions) | 3.0132% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5638% | 1,471 |
| Loan loss allowance to noncurrent loans | 178.9474% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.9481% | 1,937 |
| Noncurrent loans to loans | 0.8739% | 2,285 |
| Net loans and leases to total assets | 71.0270% | 2,215 |
| Net loans and leases to deposits | 82.9130% | 2,408 |
| Net loans and leases to core deposits | 85.8428% | 2,731 |
| Total domestic deposits to total assets | 85.6645% | 2,810 |
| Equity capital to assets | 13.7017% | 1,005 |
| Core capital (leverage) ratio | 13.9286% | 866 |
| Tier 1 risk-based capital ratio | 18.3820% | 1,769 |
| Total risk-based capital ratio | 19.6355% | 1,726 |
| Memoranda: | ||
| Average total assets | $152,121,500 | 3,527 |
| Average earning assets | $140,734,500 | 3,515 |
| Average equity | $20,776,000 | 3,095 |
| Average total loans | $110,040,000 | 3,248 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9481% | 659 |
| Cost of funding earning assets | 0.3578% | 3,435 |
| Net interest margin | 4.5903% | 518 |
| Noninterest income to average assets | 0.7180% | 2,088 |
| Noninterest expense to average assets | 2.9437% | 2,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2996% | 1,212 |
| Return on assets (ROA) | 1.3021% | 1,278 |
| Pretax return on assets | 2.0247% | 468 |
| Return on Equity (ROE) | 9.6189% | 2,138 |
| Retained earnings to average equity (ytd only) | 2.6787% | 3,999 |
| Net charge-offs to loans | 0.0566% | 2,921 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 50.2459% | 1,002 |
| Efficiency ratio | 59.2961% | 4,692 |
| Assets per employee ($millions) | 2.8956% | 5,427 |
| Cash dividends to net income (ytd only)* | 72.1519% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 1,267 |
| Loan loss allowance to noncurrent loans | 203.2805% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 1.0009% | 1,897 |
| Noncurrent loans to loans | 0.8096% | 2,496 |
| Net loans and leases to total assets | 71.3288% | 2,271 |
| Net loans and leases to deposits | 83.0253% | 2,542 |
| Net loans and leases to core deposits | 86.0128% | 2,849 |
| Total domestic deposits to total assets | 85.9121% | 2,626 |
| Equity capital to assets | 13.6124% | 1,004 |
| Core capital (leverage) ratio | 13.7330% | 890 |
| Tier 1 risk-based capital ratio | 18.3573% | 1,759 |
| Total risk-based capital ratio | 19.6113% | 1,727 |
| Memoranda: | ||
| Average total assets | $151,678,200 | 3,496 |
| Average earning assets | $140,317,200 | 3,491 |
| Average equity | $20,532,600 | 3,115 |
| Average total loans | $107,861,200 | 3,244 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9247% | 693 |
| Cost of funding earning assets | 0.3604% | 3,425 |
| Net interest margin | 4.5643% | 539 |
| Noninterest income to average assets | 0.7063% | 2,140 |
| Noninterest expense to average assets | 2.9201% | 2,578 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2636% | 1,401 |
| Return on assets (ROA) | 1.2670% | 1,487 |
| Pretax return on assets | 2.0137% | 552 |
| Return on Equity (ROE) | 9.3726% | 2,319 |
| Retained earnings to average equity (ytd only) | 4.9913% | 2,836 |
| Net charge-offs to loans | 0.0422% | 2,798 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 67.3267% | 879 |
| Efficiency ratio | 59.2487% | 4,656 |
| Assets per employee ($millions) | 2.8346% | 5,523 |
| Cash dividends to net income (ytd only)* | 46.7452% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6610% | 1,301 |
| Loan loss allowance to noncurrent loans | 360.2767% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.7808% | 2,602 |
| Noncurrent loans to loans | 0.4610% | 3,633 |
| Net loans and leases to total assets | 71.8402% | 2,219 |
| Net loans and leases to deposits | 84.0894% | 2,472 |
| Net loans and leases to core deposits | 87.3344% | 2,819 |
| Total domestic deposits to total assets | 85.4332% | 2,629 |
| Equity capital to assets | 13.9511% | 1,055 |
| Core capital (leverage) ratio | 13.9986% | 850 |
| Tier 1 risk-based capital ratio | 18.7944% | 1,714 |
| Total risk-based capital ratio | 20.0493% | 1,676 |
| Memoranda: | ||
| Average total assets | $151,955,500 | 3,501 |
| Average earning assets | $140,566,750 | 3,509 |
| Average equity | $20,541,750 | 3,140 |
| Average total loans | $107,527,500 | 3,264 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8425% | 812 |
| Cost of funding earning assets | 0.3613% | 3,436 |
| Net interest margin | 4.4813% | 639 |
| Noninterest income to average assets | 0.6123% | 2,555 |
| Noninterest expense to average assets | 2.8755% | 2,758 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1882% | 1,649 |
| Return on assets (ROA) | 1.1932% | 1,722 |
| Pretax return on assets | 1.8921% | 710 |
| Return on Equity (ROE) | 8.9204% | 2,531 |
| Retained earnings to average equity (ytd only) | 2.3036% | 4,407 |
| Net charge-offs to loans | 0.0805% | 2,044 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 33.4186% | 1,309 |
| Efficiency ratio | 60.4132% | 4,587 |
| Assets per employee ($millions) | 2.9584% | 5,470 |
| Cash dividends to net income (ytd only)* | 74.1758% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6763% | 1,327 |
| Loan loss allowance to noncurrent loans | 164.6098% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 1.2229% | 1,683 |
| Noncurrent loans to loans | 1.0183% | 2,250 |
| Net loans and leases to total assets | 70.5223% | 2,397 |
| Net loans and leases to deposits | 82.0535% | 2,708 |
| Net loans and leases to core deposits | 85.1863% | 2,971 |
| Total domestic deposits to total assets | 85.9468% | 2,446 |
| Equity capital to assets | 13.5468% | 1,211 |
| Core capital (leverage) ratio | 13.2225% | 1,081 |
| Tier 1 risk-based capital ratio | 18.5587% | 1,786 |
| Total risk-based capital ratio | 19.8139% | 1,751 |
| Memoranda: | ||
| Average total assets | $152,530,000 | 3,518 |
| Average earning assets | $141,165,330 | 3,519 |
| Average equity | $20,402,670 | 3,151 |
| Average total loans | $106,786,670 | 3,293 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7838% | 887 |
| Cost of funding earning assets | 0.3636% | 3,465 |
| Net interest margin | 4.4201% | 704 |
| Noninterest income to average assets | 0.5895% | 2,595 |
| Noninterest expense to average assets | 2.7857% | 3,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2164% | 1,504 |
| Return on assets (ROA) | 1.2181% | 1,600 |
| Pretax return on assets | 1.8962% | 699 |
| Return on Equity (ROE) | 9.1638% | 2,334 |
| Retained earnings to average equity (ytd only) | 9.1638% | 1,061 |
| Net charge-offs to loans | 0.1395% | 1,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 19.6216% | 1,497 |
| Efficiency ratio | 59.5318% | 4,808 |
| Assets per employee ($millions) | 3.0464% | 5,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7022% | 1,367 |
| Loan loss allowance to noncurrent loans | 203.3520% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 1.1283% | 1,960 |
| Noncurrent loans to loans | 0.8371% | 2,751 |
| Net loans and leases to total assets | 67.6480% | 2,704 |
| Net loans and leases to deposits | 78.4736% | 2,957 |
| Net loans and leases to core deposits | 81.3722% | 3,189 |
| Total domestic deposits to total assets | 86.2048% | 2,587 |
| Equity capital to assets | 13.2803% | 1,274 |
| Core capital (leverage) ratio | 13.4432% | 1,008 |
| Tier 1 risk-based capital ratio | 19.2881% | 1,661 |
| Total risk-based capital ratio | 20.5442% | 1,623 |
| Memoranda: | ||
| Average total assets | $153,356,500 | 3,530 |
| Average earning assets | $141,896,000 | 3,528 |
| Average equity | $20,384,500 | 3,158 |
| Average total loans | $106,072,000 | 3,315 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8376% | 867 |
| Cost of funding earning assets | 0.3963% | 3,201 |
| Net interest margin | 4.4413% | 724 |
| Noninterest income to average assets | 0.5972% | 2,729 |
| Noninterest expense to average assets | 2.8406% | 3,068 |
| Loan and lease loss provision to assets | 0.0054% | 4,279 |
| Net operating income to assets | 1.1801% | 1,621 |
| Return on assets (ROA) | 1.1918% | 1,657 |
| Pretax return on assets | 1.8565% | 715 |
| Return on Equity (ROE) | 8.8666% | 2,520 |
| Retained earnings to average equity (ytd only) | 2.8485% | 4,040 |
| Net charge-offs to loans | 0.3351% | 887 |
| Credit loss provision to net charge-offs | 2.3392% | 3,885 |
| Earnings coverage of net charge-offs (x) | 7.9971% | 3,012 |
| Efficiency ratio | 60.6418% | 4,810 |
| Assets per employee ($millions) | 2.9676% | 5,551 |
| Cash dividends to net income (ytd only)* | 67.8733% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7648% | 1,203 |
| Loan loss allowance to noncurrent loans | 170.3670% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 1.2779% | 1,673 |
| Noncurrent loans to loans | 1.0359% | 2,264 |
| Net loans and leases to total assets | 68.2967% | 2,656 |
| Net loans and leases to deposits | 79.0851% | 2,933 |
| Net loans and leases to core deposits | 82.2446% | 3,119 |
| Total domestic deposits to total assets | 86.3585% | 2,455 |
| Equity capital to assets | 13.3045% | 1,210 |
| Core capital (leverage) ratio | 13.3672% | 1,010 |
| Tier 1 risk-based capital ratio | 19.1391% | 1,673 |
| Total risk-based capital ratio | 20.3954% | 1,625 |
| Memoranda: | ||
| Average total assets | $148,347,600 | 3,592 |
| Average earning assets | $136,513,400 | 3,586 |
| Average equity | $19,940,000 | 3,178 |
| Average total loans | $102,066,400 | 3,351 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 849 |
| Cost of funding earning assets | 0.4049% | 3,175 |
| Net interest margin | 4.4487% | 724 |
| Noninterest income to average assets | 0.5664% | 2,942 |
| Noninterest expense to average assets | 2.8320% | 3,069 |
| Loan and lease loss provision to assets | 0.0072% | 4,111 |
| Net operating income to assets | 1.1665% | 1,773 |
| Return on assets (ROA) | 1.1816% | 1,781 |
| Pretax return on assets | 1.8401% | 822 |
| Return on Equity (ROE) | 8.7676% | 2,695 |
| Retained earnings to average equity (ytd only) | 4.7458% | 3,094 |
| Net charge-offs to loans | 0.2725% | 979 |
| Credit loss provision to net charge-offs | 3.8647% | 3,498 |
| Earnings coverage of net charge-offs (x) | 9.7537% | 2,668 |
| Efficiency ratio | 60.8265% | 4,771 |
| Assets per employee ($millions) | 3.0856% | 5,445 |
| Cash dividends to net income (ytd only)* | 45.8715% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9256% | 1,019 |
| Loan loss allowance to noncurrent loans | 138.5685% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 1.6812% | 1,294 |
| Noncurrent loans to loans | 1.3896% | 1,837 |
| Net loans and leases to total assets | 68.5716% | 2,596 |
| Net loans and leases to deposits | 80.0643% | 2,878 |
| Net loans and leases to core deposits | 83.3593% | 3,118 |
| Total domestic deposits to total assets | 85.6456% | 2,717 |
| Equity capital to assets | 13.7103% | 1,139 |
| Core capital (leverage) ratio | 13.5382% | 1,004 |
| Tier 1 risk-based capital ratio | 19.6227% | 1,644 |
| Total risk-based capital ratio | 20.8814% | 1,609 |
| Memoranda: | ||
| Average total assets | $147,597,750 | 3,641 |
| Average earning assets | $135,676,750 | 3,634 |
| Average equity | $19,891,000 | 3,210 |
| Average total loans | $101,277,500 | 3,397 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7835% | 918 |
| Cost of funding earning assets | 0.4088% | 3,177 |
| Net interest margin | 4.3747% | 797 |
| Noninterest income to average assets | 0.4694% | 3,566 |
| Noninterest expense to average assets | 2.8109% | 3,187 |
| Loan and lease loss provision to assets | 0.0109% | 3,890 |
| Net operating income to assets | 1.0736% | 2,045 |
| Return on assets (ROA) | 1.0961% | 2,064 |
| Pretax return on assets | 1.7039% | 1,083 |
| Return on Equity (ROE) | 8.1812% | 2,949 |
| Retained earnings to average equity (ytd only) | 2.1060% | 4,656 |
| Net charge-offs to loans | 0.3562% | 737 |
| Credit loss provision to net charge-offs | 4.4693% | 3,130 |
| Earnings coverage of net charge-offs (x) | 6.9162% | 2,724 |
| Efficiency ratio | 62.5982% | 4,574 |
| Assets per employee ($millions) | 3.1480% | 5,409 |
| Cash dividends to net income (ytd only)* | 74.2574% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9626% | 1,044 |
| Loan loss allowance to noncurrent loans | 112.0355% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.9179% | 1,177 |
| Noncurrent loans to loans | 1.7518% | 1,464 |
| Net loans and leases to total assets | 66.7781% | 2,825 |
| Net loans and leases to deposits | 77.2981% | 3,120 |
| Net loans and leases to core deposits | 80.2234% | 3,369 |
| Total domestic deposits to total assets | 86.3903% | 2,491 |
| Equity capital to assets | 13.0796% | 1,360 |
| Core capital (leverage) ratio | 13.1701% | 1,106 |
| Tier 1 risk-based capital ratio | 19.2225% | 1,744 |
| Total risk-based capital ratio | 20.4809% | 1,707 |
| Memoranda: | ||
| Average total assets | $147,427,670 | 3,665 |
| Average earning assets | $135,507,670 | 3,673 |
| Average equity | $19,752,670 | 3,241 |
| Average total loans | $100,518,670 | 3,435 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8208% | 826 |
| Cost of funding earning assets | 0.4219% | 3,045 |
| Net interest margin | 4.3988% | 731 |
| Noninterest income to average assets | 0.3901% | 4,088 |
| Noninterest expense to average assets | 2.8491% | 3,075 |
| Loan and lease loss provision to assets | 0.0165% | 3,510 |
| Net operating income to assets | 1.0083% | 2,229 |
| Return on assets (ROA) | 1.0523% | 2,165 |
| Pretax return on assets | 1.6320% | 1,188 |
| Return on Equity (ROE) | 7.7581% | 3,095 |
| Retained earnings to average equity (ytd only) | 7.7581% | 1,662 |
| Net charge-offs to loans | 0.2135% | 1,089 |
| Credit loss provision to net charge-offs | 11.3208% | 2,427 |
| Earnings coverage of net charge-offs (x) | 10.8491% | 1,908 |
| Efficiency ratio | 64.3300% | 4,425 |
| Assets per employee ($millions) | 3.1248% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1553% | 850 |
| Loan loss allowance to noncurrent loans | 62.5000% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 3.0742% | 601 |
| Noncurrent loans to loans | 3.4484% | 560 |
| Net loans and leases to total assets | 66.3035% | 2,725 |
| Net loans and leases to deposits | 77.2829% | 2,911 |
| Net loans and leases to core deposits | 80.1168% | 3,145 |
| Total domestic deposits to total assets | 85.7933% | 3,041 |
| Equity capital to assets | 13.6035% | 1,128 |
| Core capital (leverage) ratio | 13.5728% | 948 |
| Tier 1 risk-based capital ratio | 19.9064% | 1,650 |
| Total risk-based capital ratio | 21.1671% | 1,607 |
| Memoranda: | ||
| Average total assets | $145,589,000 | 3,723 |
| Average earning assets | $133,672,000 | 3,723 |
| Average equity | $19,747,000 | 3,257 |
| Average total loans | $99,315,500 | 3,467 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9182% | 896 |
| Cost of funding earning assets | 0.4600% | 3,073 |
| Net interest margin | 4.4581% | 803 |
| Noninterest income to average assets | 0.6131% | 2,783 |
| Noninterest expense to average assets | 2.7314% | 3,747 |
| Loan and lease loss provision to assets | 0.1050% | 2,401 |
| Net operating income to assets | 1.2106% | 1,552 |
| Return on assets (ROA) | 1.2106% | 1,608 |
| Pretax return on assets | 1.8810% | 668 |
| Return on Equity (ROE) | 9.1766% | 2,500 |
| Retained earnings to average equity (ytd only) | 2.9727% | 4,128 |
| Net charge-offs to loans | 0.2067% | 2,015 |
| Credit loss provision to net charge-offs | 73.3333% | 2,995 |
| Earnings coverage of net charge-offs (x) | 13.8667% | 2,231 |
| Efficiency ratio | 57.9008% | 5,467 |
| Assets per employee ($millions) | 2.9451% | 5,766 |
| Cash dividends to net income (ytd only)* | 67.6056% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2117% | 809 |
| Loan loss allowance to noncurrent loans | 76.5096% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 2.7538% | 790 |
| Noncurrent loans to loans | 2.8908% | 792 |
| Net loans and leases to total assets | 67.1577% | 2,701 |
| Net loans and leases to deposits | 78.1039% | 2,964 |
| Net loans and leases to core deposits | 81.0104% | 3,196 |
| Total domestic deposits to total assets | 85.9851% | 2,853 |
| Equity capital to assets | 13.5229% | 1,150 |
| Core capital (leverage) ratio | 12.9189% | 1,173 |
| Tier 1 risk-based capital ratio | 19.5238% | 1,721 |
| Total risk-based capital ratio | 20.7855% | 1,680 |
| Memoranda: | ||
| Average total assets | $146,626,400 | 3,683 |
| Average earning assets | $134,989,600 | 3,675 |
| Average equity | $19,342,600 | 3,241 |
| Average total loans | $101,587,600 | 3,387 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9262% | 881 |
| Cost of funding earning assets | 0.4647% | 3,103 |
| Net interest margin | 4.4615% | 799 |
| Noninterest income to average assets | 0.6204% | 2,747 |
| Noninterest expense to average assets | 2.7362% | 3,689 |
| Loan and lease loss provision to assets | 0.0136% | 4,146 |
| Net operating income to assets | 1.2699% | 1,463 |
| Return on assets (ROA) | 1.2699% | 1,520 |
| Pretax return on assets | 1.9836% | 594 |
| Return on Equity (ROE) | 9.6857% | 2,355 |
| Retained earnings to average equity (ytd only) | 5.5406% | 2,714 |
| Net charge-offs to loans | 0.1148% | 2,653 |
| Credit loss provision to net charge-offs | 17.0455% | 3,613 |
| Earnings coverage of net charge-offs (x) | 25.0569% | 1,518 |
| Efficiency ratio | 57.8071% | 5,470 |
| Assets per employee ($millions) | 3.0081% | 5,712 |
| Cash dividends to net income (ytd only)* | 42.7959% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2182% | 922 |
| Loan loss allowance to noncurrent loans | 67.0469% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 2.7869% | 883 |
| Noncurrent loans to loans | 3.3085% | 752 |
| Net loans and leases to total assets | 66.4016% | 2,789 |
| Net loans and leases to deposits | 77.4574% | 3,010 |
| Net loans and leases to core deposits | 80.7397% | 3,221 |
| Total domestic deposits to total assets | 85.7267% | 2,998 |
| Equity capital to assets | 13.6549% | 1,121 |
| Core capital (leverage) ratio | 13.3381% | 1,051 |
| Tier 1 risk-based capital ratio | 20.1427% | 1,638 |
| Total risk-based capital ratio | 21.4049% | 1,599 |
| Memoranda: | ||
| Average total assets | $147,205,250 | 3,702 |
| Average earning assets | $135,706,000 | 3,691 |
| Average equity | $19,299,500 | 3,253 |
| Average total loans | $102,207,500 | 3,405 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8619% | 977 |
| Cost of funding earning assets | 0.4626% | 3,190 |
| Net interest margin | 4.3992% | 852 |
| Noninterest income to average assets | 0.6399% | 2,602 |
| Noninterest expense to average assets | 2.7716% | 3,602 |
| Loan and lease loss provision to assets | 0.0081% | 4,074 |
| Net operating income to assets | 1.3595% | 1,163 |
| Return on assets (ROA) | 1.3595% | 1,208 |
| Pretax return on assets | 1.9170% | 660 |
| Return on Equity (ROE) | 10.5111% | 1,934 |
| Retained earnings to average equity (ytd only) | 4.2483% | 3,469 |
| Net charge-offs to loans | 0.1043% | 2,641 |
| Credit loss provision to net charge-offs | 11.1111% | 3,290 |
| Earnings coverage of net charge-offs (x) | 26.4074% | 1,375 |
| Efficiency ratio | 59.0112% | 5,429 |
| Assets per employee ($millions) | 3.0756% | 5,635 |
| Cash dividends to net income (ytd only)* | 59.5829% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1485% | 1,090 |
| Loan loss allowance to noncurrent loans | 72.2971% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 2.5971% | 1,053 |
| Noncurrent loans to loans | 2.9717% | 985 |
| Net loans and leases to total assets | 67.8722% | 2,431 |
| Net loans and leases to deposits | 78.5043% | 2,734 |
| Net loans and leases to core deposits | 81.7237% | 3,003 |
| Total domestic deposits to total assets | 86.4566% | 2,785 |
| Equity capital to assets | 13.0760% | 1,335 |
| Core capital (leverage) ratio | 12.9279% | 1,182 |
| Tier 1 risk-based capital ratio | 19.1601% | 1,888 |
| Total risk-based capital ratio | 20.4221% | 1,843 |
| Memoranda: | ||
| Average total assets | $148,144,330 | 3,709 |
| Average earning assets | $136,614,330 | 3,699 |
| Average equity | $19,160,670 | 3,261 |
| Average total loans | $103,593,000 | 3,383 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7973% | 1,051 |
| Cost of funding earning assets | 0.4587% | 3,321 |
| Net interest margin | 4.3386% | 927 |
| Noninterest income to average assets | 0.6442% | 2,492 |
| Noninterest expense to average assets | 2.6765% | 4,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3881% | 1,008 |
| Return on assets (ROA) | 1.3881% | 1,051 |
| Pretax return on assets | 1.9703% | 563 |
| Return on Equity (ROE) | 10.7916% | 1,761 |
| Retained earnings to average equity (ytd only) | 10.7916% | 787 |
| Net charge-offs to loans | 0.0614% | 2,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 45.6875% | 808 |
| Efficiency ratio | 57.5986% | 5,688 |
| Assets per employee ($millions) | 3.1424% | 5,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1451% | 1,242 |
| Loan loss allowance to noncurrent loans | 56.2642% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 3.0908% | 906 |
| Noncurrent loans to loans | 3.8125% | 734 |
| Net loans and leases to total assets | 67.5047% | 2,299 |
| Net loans and leases to deposits | 77.9949% | 2,558 |
| Net loans and leases to core deposits | 80.7339% | 2,883 |
| Total domestic deposits to total assets | 86.5501% | 3,078 |
| Equity capital to assets | 12.8353% | 1,391 |
| Core capital (leverage) ratio | 13.0997% | 1,120 |
| Tier 1 risk-based capital ratio | 19.1632% | 1,916 |
| Total risk-based capital ratio | 20.4253% | 1,876 |
| Memoranda: | ||
| Average total assets | $148,402,000 | 3,726 |
| Average earning assets | $136,909,000 | 3,715 |
| Average equity | $19,089,000 | 3,268 |
| Average total loans | $104,190,000 | 3,383 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8644% | 1,168 |
| Cost of funding earning assets | 0.5278% | 3,309 |
| Net interest margin | 4.3366% | 1,021 |
| Noninterest income to average assets | 0.6220% | 2,962 |
| Noninterest expense to average assets | 2.7643% | 3,856 |
| Loan and lease loss provision to assets | 0.1150% | 2,888 |
| Net operating income to assets | 1.1179% | 1,876 |
| Return on assets (ROA) | 1.1331% | 1,884 |
| Pretax return on assets | 1.7558% | 841 |
| Return on Equity (ROE) | 8.7414% | 2,681 |
| Retained earnings to average equity (ytd only) | 2.3647% | 4,559 |
| Net charge-offs to loans | 0.3112% | 2,131 |
| Credit loss provision to net charge-offs | 53.3546% | 3,741 |
| Earnings coverage of net charge-offs (x) | 8.5687% | 2,650 |
| Efficiency ratio | 59.9403% | 5,479 |
| Assets per employee ($millions) | 3.1057% | 5,662 |
| Cash dividends to net income (ytd only)* | 72.9483% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1547% | 1,247 |
| Loan loss allowance to noncurrent loans | 64.6348% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 2.9917% | 1,061 |
| Noncurrent loans to loans | 3.3337% | 973 |
| Net loans and leases to total assets | 69.9322% | 2,020 |
| Net loans and leases to deposits | 80.7537% | 2,353 |
| Net loans and leases to core deposits | 83.6824% | 2,708 |
| Total domestic deposits to total assets | 86.5993% | 2,937 |
| Equity capital to assets | 12.8917% | 1,327 |
| Core capital (leverage) ratio | 13.0662% | 1,115 |
| Tier 1 risk-based capital ratio | 18.5973% | 2,053 |
| Total risk-based capital ratio | 19.8593% | 2,014 |
| Memoranda: | ||
| Average total assets | $145,173,000 | 3,782 |
| Average earning assets | $133,562,200 | 3,764 |
| Average equity | $18,818,400 | 3,298 |
| Average total loans | $100,592,400 | 3,429 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8242% | 1,295 |
| Cost of funding earning assets | 0.5390% | 3,372 |
| Net interest margin | 4.2852% | 1,127 |
| Noninterest income to average assets | 0.6438% | 2,910 |
| Noninterest expense to average assets | 2.7618% | 3,785 |
| Loan and lease loss provision to assets | 0.0028% | 4,904 |
| Net operating income to assets | 1.1542% | 1,790 |
| Return on assets (ROA) | 1.1542% | 1,868 |
| Pretax return on assets | 1.8201% | 858 |
| Return on Equity (ROE) | 8.8917% | 2,690 |
| Retained earnings to average equity (ytd only) | 4.6407% | 3,365 |
| Net charge-offs to loans | 0.2729% | 2,187 |
| Credit loss provision to net charge-offs | 1.4706% | 4,327 |
| Earnings coverage of net charge-offs (x) | 9.7158% | 2,444 |
| Efficiency ratio | 60.2407% | 5,400 |
| Assets per employee ($millions) | 2.9182% | 5,982 |
| Cash dividends to net income (ytd only)* | 47.8088% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1510% | 1,408 |
| Loan loss allowance to noncurrent loans | 104.4783% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 2.1316% | 1,868 |
| Noncurrent loans to loans | 2.0588% | 2,186 |
| Net loans and leases to total assets | 69.7668% | 2,006 |
| Net loans and leases to deposits | 81.0577% | 2,259 |
| Net loans and leases to core deposits | 84.6099% | 2,582 |
| Total domestic deposits to total assets | 86.0705% | 3,213 |
| Equity capital to assets | 13.2854% | 1,206 |
| Core capital (leverage) ratio | 13.3561% | 1,077 |
| Tier 1 risk-based capital ratio | 19.0360% | 1,983 |
| Total risk-based capital ratio | 20.2977% | 1,943 |
| Memoranda: | ||
| Average total assets | $144,973,750 | 3,826 |
| Average earning assets | $133,323,250 | 3,809 |
| Average equity | $18,818,500 | 3,332 |
| Average total loans | $99,658,500 | 3,485 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8192% | 1,290 |
| Cost of funding earning assets | 0.5537% | 3,374 |
| Net interest margin | 4.2655% | 1,105 |
| Noninterest income to average assets | 0.6386% | 2,973 |
| Noninterest expense to average assets | 2.7576% | 3,827 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1453% | 1,768 |
| Return on assets (ROA) | 1.1453% | 1,881 |
| Pretax return on assets | 1.8059% | 915 |
| Return on Equity (ROE) | 8.8917% | 2,661 |
| Retained earnings to average equity (ytd only) | 2.4948% | 4,711 |
| Net charge-offs to loans | 0.2407% | 2,278 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 11.0504% | 2,094 |
| Efficiency ratio | 60.4273% | 5,412 |
| Assets per employee ($millions) | 2.8843% | 6,045 |
| Cash dividends to net income (ytd only)* | 71.9424% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2309% | 1,363 |
| Loan loss allowance to noncurrent loans | 55.5420% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 3.5204% | 1,093 |
| Noncurrent loans to loans | 4.0165% | 964 |
| Net loans and leases to total assets | 69.1347% | 2,046 |
| Net loans and leases to deposits | 79.9621% | 2,324 |
| Net loans and leases to core deposits | 83.4148% | 2,637 |
| Total domestic deposits to total assets | 86.4593% | 3,133 |
| Equity capital to assets | 12.9125% | 1,380 |
| Core capital (leverage) ratio | 12.8975% | 1,203 |
| Tier 1 risk-based capital ratio | 18.7888% | 2,048 |
| Total risk-based capital ratio | 20.0511% | 2,011 |
| Memoranda: | ||
| Average total assets | $145,634,330 | 3,848 |
| Average earning assets | $134,004,330 | 3,821 |
| Average equity | $18,759,000 | 3,363 |
| Average total loans | $98,893,330 | 3,519 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6417% | 1,706 |
| Cost of funding earning assets | 0.5758% | 3,326 |
| Net interest margin | 4.0659% | 1,568 |
| Noninterest income to average assets | 0.6423% | 2,923 |
| Noninterest expense to average assets | 2.8016% | 3,693 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0086% | 2,188 |
| Return on assets (ROA) | 1.0086% | 2,303 |
| Pretax return on assets | 1.5853% | 1,335 |
| Return on Equity (ROE) | 7.8396% | 3,058 |
| Retained earnings to average equity (ytd only) | 7.8396% | 1,809 |
| Net charge-offs to loans | 0.2917% | 1,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 8.1690% | 1,970 |
| Efficiency ratio | 63.8629% | 5,025 |
| Assets per employee ($millions) | 2.8424% | 6,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3747% | 1,288 |
| Loan loss allowance to noncurrent loans | 56.1925% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 3.5676% | 1,182 |
| Noncurrent loans to loans | 4.2261% | 1,033 |
| Net loans and leases to total assets | 64.6112% | 2,598 |
| Net loans and leases to deposits | 74.6667% | 2,823 |
| Net loans and leases to core deposits | 77.9709% | 3,066 |
| Total domestic deposits to total assets | 86.5328% | 3,213 |
| Equity capital to assets | 12.8637% | 1,491 |
| Core capital (leverage) ratio | 12.8558% | 1,174 |
| Tier 1 risk-based capital ratio | 19.1175% | 2,007 |
| Total risk-based capital ratio | 20.3836% | 1,977 |
| Memoranda: | ||
| Average total assets | $146,343,000 | 3,870 |
| Average earning assets | $134,778,500 | 3,852 |
| Average equity | $18,827,500 | 3,398 |
| Average total loans | $97,350,500 | 3,580 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1935% | 1,127 |
| Cost of funding earning assets | 0.7618% | 2,997 |
| Net interest margin | 4.4317% | 1,086 |
| Noninterest income to average assets | 0.5837% | 3,369 |
| Noninterest expense to average assets | 2.7653% | 4,157 |
| Loan and lease loss provision to assets | 0.0902% | 4,565 |
| Net operating income to assets | 1.0762% | 2,033 |
| Return on assets (ROA) | 1.0793% | 2,199 |
| Pretax return on assets | 1.6700% | 1,210 |
| Return on Equity (ROE) | 8.3804% | 2,924 |
| Retained earnings to average equity (ytd only) | 1.9132% | 4,869 |
| Net charge-offs to loans | 0.2432% | 3,488 |
| Credit loss provision to net charge-offs | 55.5556% | 4,559 |
| Earnings coverage of net charge-offs (x) | 10.8077% | 2,102 |
| Efficiency ratio | 61.1700% | 5,366 |
| Assets per employee ($millions) | 2.8408% | 6,256 |
| Cash dividends to net income (ytd only)* | 77.1704% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4711% | 1,158 |
| Loan loss allowance to noncurrent loans | 59.6116% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 3.4725% | 1,307 |
| Noncurrent loans to loans | 4.1453% | 1,102 |
| Net loans and leases to total assets | 65.2158% | 2,669 |
| Net loans and leases to deposits | 75.2864% | 2,907 |
| Net loans and leases to core deposits | 78.5563% | 3,190 |
| Total domestic deposits to total assets | 86.6236% | 3,033 |
| Equity capital to assets | 12.8670% | 1,508 |
| Core capital (leverage) ratio | 12.7017% | 1,237 |
| Tier 1 risk-based capital ratio | 19.0866% | 1,936 |
| Total risk-based capital ratio | 20.3545% | 1,904 |
| Memoranda: | ||
| Average total assets | $144,072,000 | 3,879 |
| Average earning assets | $127,987,800 | 3,945 |
| Average equity | $18,555,200 | 3,394 |
| Average total loans | $96,233,800 | 3,614 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2720% | 1,061 |
| Cost of funding earning assets | 0.7993% | 2,944 |
| Net interest margin | 4.4726% | 1,041 |
| Noninterest income to average assets | 0.5625% | 3,528 |
| Noninterest expense to average assets | 2.7061% | 4,343 |
| Loan and lease loss provision to assets | 0.0834% | 4,573 |
| Net operating income to assets | 1.0940% | 2,117 |
| Return on assets (ROA) | 1.0982% | 2,295 |
| Pretax return on assets | 1.7154% | 1,229 |
| Return on Equity (ROE) | 8.5249% | 3,033 |
| Retained earnings to average equity (ytd only) | 4.2085% | 3,931 |
| Net charge-offs to loans | 0.2109% | 3,467 |
| Credit loss provision to net charge-offs | 59.2105% | 4,160 |
| Earnings coverage of net charge-offs (x) | 12.7238% | 1,981 |
| Efficiency ratio | 60.1566% | 5,466 |
| Assets per employee ($millions) | 2.8635% | 6,271 |
| Cash dividends to net income (ytd only)* | 50.6329% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5287% | 1,176 |
| Loan loss allowance to noncurrent loans | 66.9599% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 3.1916% | 1,613 |
| Noncurrent loans to loans | 3.7764% | 1,406 |
| Net loans and leases to total assets | 64.2965% | 2,978 |
| Net loans and leases to deposits | 74.3576% | 3,229 |
| Net loans and leases to core deposits | 78.3757% | 3,410 |
| Total domestic deposits to total assets | 86.4694% | 3,003 |
| Equity capital to assets | 12.9404% | 1,621 |
| Core capital (leverage) ratio | 12.7546% | 1,294 |
| Tier 1 risk-based capital ratio | 19.0516% | 1,996 |
| Total risk-based capital ratio | 20.3200% | 1,961 |
| Memoranda: | ||
| Average total assets | $143,869,500 | 3,922 |
| Average earning assets | $126,604,000 | 4,005 |
| Average equity | $18,533,500 | 3,430 |
| Average total loans | $96,072,250 | 3,652 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3689% | 927 |
| Cost of funding earning assets | 0.8240% | 2,999 |
| Net interest margin | 4.5449% | 918 |
| Noninterest income to average assets | 0.5058% | 3,890 |
| Noninterest expense to average assets | 2.7399% | 4,252 |
| Loan and lease loss provision to assets | 0.1257% | 3,951 |
| Net operating income to assets | 1.0547% | 2,226 |
| Return on assets (ROA) | 1.0619% | 2,426 |
| Pretax return on assets | 1.6584% | 1,372 |
| Return on Equity (ROE) | 8.2555% | 3,140 |
| Retained earnings to average equity (ytd only) | 1.7380% | 5,324 |
| Net charge-offs to loans | 0.3000% | 2,827 |
| Credit loss provision to net charge-offs | 62.5000% | 3,735 |
| Earnings coverage of net charge-offs (x) | 8.8125% | 2,243 |
| Efficiency ratio | 60.7121% | 5,465 |
| Assets per employee ($millions) | 2.8724% | 6,283 |
| Cash dividends to net income (ytd only)* | 78.9474% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5403% | 1,229 |
| Loan loss allowance to noncurrent loans | 357.6867% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 1.1707% | 4,057 |
| Noncurrent loans to loans | 0.7102% | 5,087 |
| Net loans and leases to total assets | 63.9801% | 3,039 |
| Net loans and leases to deposits | 73.9458% | 3,304 |
| Net loans and leases to core deposits | 77.9694% | 3,520 |
| Total domestic deposits to total assets | 86.5230% | 3,056 |
| Equity capital to assets | 12.5855% | 1,759 |
| Core capital (leverage) ratio | 12.6621% | 1,289 |
| Tier 1 risk-based capital ratio | 18.7148% | 2,063 |
| Total risk-based capital ratio | 19.9801% | 2,018 |
| Memoranda: | ||
| Average total assets | $143,146,330 | 3,949 |
| Average earning assets | $126,207,670 | 4,028 |
| Average equity | $18,412,000 | 3,442 |
| Average total loans | $95,985,000 | 3,668 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5434% | 701 |
| Cost of funding earning assets | 0.8376% | 3,169 |
| Net interest margin | 4.7058% | 677 |
| Noninterest income to average assets | 0.4439% | 4,334 |
| Noninterest expense to average assets | 2.6436% | 4,651 |
| Loan and lease loss provision to assets | 0.2545% | 2,420 |
| Net operating income to assets | 1.0908% | 2,136 |
| Return on assets (ROA) | 1.0999% | 2,273 |
| Pretax return on assets | 1.7219% | 1,250 |
| Return on Equity (ROE) | 8.4568% | 3,077 |
| Retained earnings to average equity (ytd only) | 8.4568% | 1,796 |
| Net charge-offs to loans | 0.2253% | 2,796 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 12.8519% | 1,569 |
| Efficiency ratio | 57.3972% | 5,990 |
| Assets per employee ($millions) | 2.5273% | 6,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7067% | 1,110 |
| Loan loss allowance to noncurrent loans | 429.4915% | 788 |
| Noncurrent assets plus other real estate owned to assets | 1.2384% | 4,067 |
| Noncurrent loans to loans | 0.6302% | 5,383 |
| Net loans and leases to total assets | 63.2278% | 2,997 |
| Net loans and leases to deposits | 73.1998% | 3,247 |
| Net loans and leases to core deposits | 77.2566% | 3,429 |
| Total domestic deposits to total assets | 86.3769% | 3,317 |
| Equity capital to assets | 12.9109% | 1,477 |
| Core capital (leverage) ratio | 13.0934% | 1,089 |
| Tier 1 risk-based capital ratio | 18.9488% | 2,001 |
| Total risk-based capital ratio | 20.2152% | 1,955 |
| Memoranda: | ||
| Average total assets | $141,472,500 | 4,008 |
| Average earning assets | $125,121,500 | 4,083 |
| Average equity | $18,399,500 | 3,439 |
| Average total loans | $95,892,500 | 3,691 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9363% | 482 |
| Cost of funding earning assets | 1.0698% | 2,884 |
| Net interest margin | 4.8665% | 546 |
| Noninterest income to average assets | 0.4711% | 4,049 |
| Noninterest expense to average assets | 2.5098% | 5,440 |
| Loan and lease loss provision to assets | 0.4933% | 2,138 |
| Net operating income to assets | 1.1320% | 1,717 |
| Return on assets (ROA) | 1.1521% | 1,773 |
| Pretax return on assets | 1.7948% | 807 |
| Return on Equity (ROE) | 9.3551% | 2,302 |
| Retained earnings to average equity (ytd only) | 5.9696% | 2,033 |
| Net charge-offs to loans | 0.4594% | 3,145 |
| Credit loss provision to net charge-offs | 146.9979% | 1,944 |
| Earnings coverage of net charge-offs (x) | 6.7246% | 2,464 |
| Efficiency ratio | 52.6531% | 6,646 |
| Assets per employee ($millions) | 2.7778% | 6,489 |
| Cash dividends to net income (ytd only)* | 36.1882% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5446% | 1,254 |
| Loan loss allowance to noncurrent loans | 223.0357% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 1.8187% | 3,234 |
| Noncurrent loans to loans | 1.1409% | 4,456 |
| Net loans and leases to total assets | 68.8821% | 2,230 |
| Net loans and leases to deposits | 79.8060% | 2,555 |
| Net loans and leases to core deposits | 84.4849% | 2,818 |
| Total domestic deposits to total assets | 86.3120% | 3,135 |
| Equity capital to assets | 13.1041% | 1,439 |
| Core capital (leverage) ratio | 13.0129% | 1,133 |
| Tier 1 risk-based capital ratio | 18.0222% | 2,180 |
| Total risk-based capital ratio | 19.2873% | 2,155 |
| Memoranda: | ||
| Average total assets | $143,916,600 | 3,912 |
| Average earning assets | $127,031,200 | 3,994 |
| Average equity | $17,723,000 | 3,467 |
| Average total loans | $105,143,600 | 3,495 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8799% | 585 |
| Cost of funding earning assets | 1.1149% | 2,883 |
| Net interest margin | 4.7650% | 670 |
| Noninterest income to average assets | 0.5033% | 3,850 |
| Noninterest expense to average assets | 2.5247% | 5,380 |
| Loan and lease loss provision to assets | 0.4776% | 2,081 |
| Net operating income to assets | 1.0952% | 1,989 |
| Return on assets (ROA) | 1.1205% | 2,039 |
| Pretax return on assets | 1.7523% | 1,038 |
| Return on Equity (ROE) | 9.2402% | 2,485 |
| Retained earnings to average equity (ytd only) | 6.9681% | 1,985 |
| Net charge-offs to loans | 0.5476% | 2,597 |
| Credit loss provision to net charge-offs | 118.4510% | 2,755 |
| Earnings coverage of net charge-offs (x) | 5.4328% | 2,788 |
| Efficiency ratio | 53.5450% | 6,539 |
| Assets per employee ($millions) | 2.8820% | 6,349 |
| Cash dividends to net income (ytd only)* | 24.5901% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3021% | 1,685 |
| Loan loss allowance to noncurrent loans | 141.7722% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 2.2150% | 2,878 |
| Noncurrent loans to loans | 1.6238% | 3,866 |
| Net loans and leases to total assets | 70.6839% | 1,945 |
| Net loans and leases to deposits | 81.5872% | 2,435 |
| Net loans and leases to core deposits | 85.9528% | 2,775 |
| Total domestic deposits to total assets | 86.6361% | 2,866 |
| Equity capital to assets | 12.7783% | 1,733 |
| Core capital (leverage) ratio | 12.7108% | 1,341 |
| Tier 1 risk-based capital ratio | 17.3062% | 2,521 |
| Total risk-based capital ratio | 18.5699% | 2,480 |
| Memoranda: | ||
| Average total assets | $145,173,750 | 3,906 |
| Average earning assets | $128,321,500 | 3,985 |
| Average equity | $17,603,750 | 3,485 |
| Average total loans | $106,887,750 | 3,486 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9070% | 573 |
| Cost of funding earning assets | 1.1475% | 2,916 |
| Net interest margin | 4.7595% | 645 |
| Noninterest income to average assets | 0.5434% | 3,528 |
| Noninterest expense to average assets | 2.4807% | 5,613 |
| Loan and lease loss provision to assets | 0.2457% | 3,447 |
| Net operating income to assets | 1.2935% | 1,337 |
| Return on assets (ROA) | 1.3311% | 1,318 |
| Pretax return on assets | 2.0943% | 499 |
| Return on Equity (ROE) | 11.1705% | 1,737 |
| Retained earnings to average equity (ytd only) | 7.7334% | 1,565 |
| Net charge-offs to loans | 0.3983% | 2,969 |
| Credit loss provision to net charge-offs | 83.3333% | 3,669 |
| Earnings coverage of net charge-offs (x) | 7.7361% | 2,177 |
| Efficiency ratio | 52.0929% | 6,779 |
| Assets per employee ($millions) | 3.1509% | 5,752 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1005% | 2,125 |
| Loan loss allowance to noncurrent loans | 249.7207% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 1.7110% | 3,627 |
| Noncurrent loans to loans | 0.8411% | 5,249 |
| Net loans and leases to total assets | 71.8701% | 1,811 |
| Net loans and leases to deposits | 82.7120% | 2,333 |
| Net loans and leases to core deposits | 86.9983% | 2,761 |
| Total domestic deposits to total assets | 86.8920% | 2,802 |
| Equity capital to assets | 12.2835% | 1,914 |
| Core capital (leverage) ratio | 12.2628% | 1,474 |
| Tier 1 risk-based capital ratio | 16.4313% | 2,779 |
| Total risk-based capital ratio | 17.6922% | 2,735 |
| Memoranda: | ||
| Average total assets | $146,493,000 | 3,909 |
| Average earning assets | $129,845,000 | 3,988 |
| Average equity | $17,456,670 | 3,502 |
| Average total loans | $108,460,670 | 3,497 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8882% | 610 |
| Cost of funding earning assets | 1.1966% | 2,841 |
| Net interest margin | 4.6916% | 721 |
| Noninterest income to average assets | 0.5188% | 3,738 |
| Noninterest expense to average assets | 2.3304% | 6,107 |
| Loan and lease loss provision to assets | 0.2445% | 3,222 |
| Net operating income to assets | 1.3322% | 1,201 |
| Return on assets (ROA) | 1.4070% | 1,087 |
| Pretax return on assets | 2.2245% | 383 |
| Return on Equity (ROE) | 11.9887% | 1,467 |
| Retained earnings to average equity (ytd only) | 11.9887% | 741 |
| Net charge-offs to loans | 0.2521% | 3,076 |
| Credit loss provision to net charge-offs | 130.4348% | 2,120 |
| Earnings coverage of net charge-offs (x) | 12.5507% | 1,493 |
| Efficiency ratio | 49.7680% | 7,004 |
| Assets per employee ($millions) | 2.8220% | 6,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1249% | 2,131 |
| Loan loss allowance to noncurrent loans | 587.6923% | 568 |
| Noncurrent assets plus other real estate owned to assets | 1.3636% | 4,247 |
| Noncurrent loans to loans | 0.3616% | 6,269 |
| Net loans and leases to total assets | 71.9437% | 1,733 |
| Net loans and leases to deposits | 82.5034% | 2,272 |
| Net loans and leases to core deposits | 87.1309% | 2,716 |
| Total domestic deposits to total assets | 87.2008% | 2,830 |
| Equity capital to assets | 11.9596% | 1,943 |
| Core capital (leverage) ratio | 12.0368% | 1,546 |
| Tier 1 risk-based capital ratio | 16.1415% | 2,840 |
| Total risk-based capital ratio | 17.4032% | 2,799 |
| Memoranda: | ||
| Average total assets | $147,268,500 | 3,926 |
| Average earning assets | $130,703,000 | 4,012 |
| Average equity | $17,283,000 | 3,528 |
| Average total loans | $109,488,500 | 3,509 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0894% | 716 |
| Cost of funding earning assets | 1.6543% | 1,806 |
| Net interest margin | 4.4351% | 1,387 |
| Noninterest income to average assets | 0.3923% | 4,958 |
| Noninterest expense to average assets | 2.3217% | 6,301 |
| Loan and lease loss provision to assets | 0.2268% | 5,011 |
| Net operating income to assets | 1.1375% | 1,584 |
| Return on assets (ROA) | 1.1414% | 1,656 |
| Pretax return on assets | 1.7809% | 797 |
| Return on Equity (ROE) | 10.2404% | 1,838 |
| Retained earnings to average equity (ytd only) | 8.9573% | 715 |
| Net charge-offs to loans | 0.2980% | 4,527 |
| Credit loss provision to net charge-offs | 103.0960% | 4,379 |
| Earnings coverage of net charge-offs (x) | 9.0991% | 1,874 |
| Efficiency ratio | 53.7020% | 6,836 |
| Assets per employee ($millions) | 2.8422% | 6,452 |
| Cash dividends to net income (ytd only)* | 12.5298% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0439% | 2,193 |
| Loan loss allowance to noncurrent loans | 508.0537% | 635 |
| Noncurrent assets plus other real estate owned to assets | 1.2660% | 4,499 |
| Noncurrent loans to loans | 0.4023% | 6,242 |
| Net loans and leases to total assets | 73.6442% | 1,739 |
| Net loans and leases to deposits | 83.9369% | 2,459 |
| Net loans and leases to core deposits | 88.6493% | 2,956 |
| Total domestic deposits to total assets | 87.7376% | 2,401 |
| Equity capital to assets | 11.5134% | 2,251 |
| Core capital (leverage) ratio | 11.4498% | 1,861 |
| Tier 1 risk-based capital ratio | 15.2423% | 3,131 |
| Total risk-based capital ratio | 16.5038% | 3,075 |
| Memoranda: | ||
| Average total assets | $146,834,200 | 3,932 |
| Average earning assets | $130,145,000 | 4,013 |
| Average equity | $16,366,600 | 3,695 |
| Average total loans | $108,395,200 | 3,584 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0582% | 830 |
| Cost of funding earning assets | 1.7063% | 1,845 |
| Net interest margin | 4.3519% | 1,674 |
| Noninterest income to average assets | 0.4466% | 4,590 |
| Noninterest expense to average assets | 2.3293% | 6,232 |
| Loan and lease loss provision to assets | 0.2456% | 4,632 |
| Net operating income to assets | 1.0984% | 1,887 |
| Return on assets (ROA) | 1.0996% | 1,994 |
| Pretax return on assets | 1.7290% | 1,055 |
| Return on Equity (ROE) | 9.9478% | 2,143 |
| Retained earnings to average equity (ytd only) | 9.9478% | 809 |
| Net charge-offs to loans | 0.2686% | 4,337 |
| Credit loss provision to net charge-offs | 124.4240% | 3,293 |
| Earnings coverage of net charge-offs (x) | 9.9953% | 1,929 |
| Efficiency ratio | 54.1438% | 6,778 |
| Assets per employee ($millions) | 2.7749% | 6,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1192% | 1,956 |
| Loan loss allowance to noncurrent loans | 424.9541% | 701 |
| Noncurrent assets plus other real estate owned to assets | 1.4197% | 4,322 |
| Noncurrent loans to loans | 0.4987% | 6,201 |
| Net loans and leases to total assets | 72.7322% | 2,067 |
| Net loans and leases to deposits | 82.9370% | 2,919 |
| Net loans and leases to core deposits | 86.8402% | 3,538 |
| Total domestic deposits to total assets | 87.6957% | 2,162 |
| Equity capital to assets | 11.5298% | 2,509 |
| Core capital (leverage) ratio | 11.3775% | 2,025 |
| Tier 1 risk-based capital ratio | 15.5832% | 2,949 |
| Total risk-based capital ratio | 16.8444% | 2,912 |
| Memoranda: | ||
| Average total assets | $146,594,500 | 3,989 |
| Average earning assets | $129,871,250 | 4,070 |
| Average equity | $16,204,250 | 3,767 |
| Average total loans | $107,716,000 | 3,641 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0137% | 922 |
| Cost of funding earning assets | 1.7706% | 1,764 |
| Net interest margin | 4.2430% | 2,002 |
| Noninterest income to average assets | 0.3073% | 5,700 |
| Noninterest expense to average assets | 2.2467% | 6,520 |
| Loan and lease loss provision to assets | 0.2458% | 4,471 |
| Net operating income to assets | 1.0030% | 2,188 |
| Return on assets (ROA) | 1.0039% | 2,264 |
| Pretax return on assets | 1.5734% | 1,378 |
| Return on Equity (ROE) | 9.2144% | 2,381 |
| Retained earnings to average equity (ytd only) | 9.2144% | 1,042 |
| Net charge-offs to loans | 0.1530% | 4,721 |
| Credit loss provision to net charge-offs | 219.5122% | 1,773 |
| Earnings coverage of net charge-offs (x) | 16.2317% | 1,411 |
| Efficiency ratio | 55.2755% | 6,730 |
| Assets per employee ($millions) | 2.7308% | 6,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1929% | 1,773 |
| Loan loss allowance to noncurrent loans | 416.5202% | 744 |
| Noncurrent assets plus other real estate owned to assets | 1.4302% | 4,330 |
| Noncurrent loans to loans | 0.5265% | 6,205 |
| Net loans and leases to total assets | 73.0364% | 2,161 |
| Net loans and leases to deposits | 83.0416% | 3,067 |
| Net loans and leases to core deposits | 86.8152% | 3,727 |
| Total domestic deposits to total assets | 87.9515% | 2,032 |
| Equity capital to assets | 11.3306% | 2,567 |
| Core capital (leverage) ratio | 11.2393% | 2,076 |
| Tier 1 risk-based capital ratio | 15.3985% | 2,953 |
| Total risk-based capital ratio | 16.6612% | 2,911 |
| Memoranda: | ||
| Average total assets | $146,435,670 | 4,023 |
| Average earning assets | $129,671,330 | 4,095 |
| Average equity | $15,953,330 | 3,808 |
| Average total loans | $107,193,330 | 3,691 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9402% | 1,104 |
| Cost of funding earning assets | 1.8760% | 1,548 |
| Net interest margin | 4.0642% | 2,592 |
| Noninterest income to average assets | 0.0760% | 7,324 |
| Noninterest expense to average assets | 2.1808% | 6,739 |
| Loan and lease loss provision to assets | 0.2444% | 4,094 |
| Net operating income to assets | 0.8093% | 2,922 |
| Return on assets (ROA) | 0.8093% | 3,019 |
| Pretax return on assets | 1.2574% | 2,186 |
| Return on Equity (ROE) | 7.5776% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.5776% | 1,889 |
| Net charge-offs to loans | 0.0375% | 5,052 |
| Credit loss provision to net charge-offs | 900.0000% | 510 |
| Earnings coverage of net charge-offs (x) | 55.3000% | 526 |
| Efficiency ratio | 59.2183% | 6,303 |
| Assets per employee ($millions) | 2.7892% | 6,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1841% | 1,788 |
| Loan loss allowance to noncurrent loans | 434.9353% | 736 |
| Noncurrent assets plus other real estate owned to assets | 1.3117% | 4,567 |
| Noncurrent loans to loans | 0.5022% | 6,291 |
| Net loans and leases to total assets | 71.2855% | 2,623 |
| Net loans and leases to deposits | 80.5818% | 3,535 |
| Net loans and leases to core deposits | 84.7965% | 4,091 |
| Total domestic deposits to total assets | 88.4636% | 1,817 |
| Equity capital to assets | 10.7693% | 2,979 |
| Core capital (leverage) ratio | 10.6769% | 2,465 |
| Tier 1 risk-based capital ratio | 14.7329% | 3,239 |
| Total risk-based capital ratio | 15.9947% | 3,195 |
| Memoranda: | ||
| Average total assets | $147,287,500 | 4,056 |
| Average earning assets | $130,702,000 | 4,137 |
| Average equity | $15,730,500 | 3,880 |
| Average total loans | $106,751,500 | 3,759 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1698% | 1,322 |
| Cost of funding earning assets | 2.1747% | 2,139 |
| Net interest margin | 3.9952% | 2,880 |
| Noninterest income to average assets | 0.7178% | 2,860 |
| Noninterest expense to average assets | 2.4538% | 6,292 |
| Loan and lease loss provision to assets | 0.0182% | 7,320 |
| Net operating income to assets | 1.1846% | 1,289 |
| Return on assets (ROA) | 1.1456% | 1,421 |
| Pretax return on assets | 1.7948% | 640 |
| Return on Equity (ROE) | 10.9464% | 1,440 |
| Retained earnings to average equity (ytd only) | 8.5376% | 579 |
| Net charge-offs to loans | 0.1268% | 5,925 |
| Credit loss provision to net charge-offs | 19.1176% | 6,940 |
| Earnings coverage of net charge-offs (x) | 19.6765% | 1,070 |
| Efficiency ratio | 56.6990% | 6,932 |
| Assets per employee ($millions) | 3.4940% | 5,013 |
| Cash dividends to net income (ytd only)* | 22.0049% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1481% | 1,736 |
| Loan loss allowance to noncurrent loans | 617.3913% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.9976% | 5,114 |
| Noncurrent loans to loans | 0.3479% | 6,580 |
| Net loans and leases to total assets | 70.5282% | 3,122 |
| Net loans and leases to deposits | 80.5909% | 3,874 |
| Net loans and leases to core deposits | 110.4073% | 2,849 |
| Total domestic deposits to total assets | 87.5139% | 2,211 |
| Equity capital to assets | 10.5903% | 3,078 |
| Core capital (leverage) ratio | 10.7762% | 2,365 |
| Tier 1 risk-based capital ratio | 14.7865% | 3,053 |
| Total risk-based capital ratio | 16.0476% | 3,000 |
| Memoranda: | ||
| Average total assets | $142,801,200 | 4,061 |
| Average earning assets | $129,031,200 | 4,105 |
| Average equity | $14,945,600 | 4,071 |
| Average total loans | $107,213,600 | 3,753 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2240% | 1,314 |
| Cost of funding earning assets | 2.1976% | 2,426 |
| Net interest margin | 4.0265% | 2,696 |
| Noninterest income to average assets | 0.7719% | 2,591 |
| Noninterest expense to average assets | 2.4510% | 6,246 |
| Loan and lease loss provision to assets | 0.0244% | 7,110 |
| Net operating income to assets | 1.2380% | 1,381 |
| Return on assets (ROA) | 1.1724% | 1,590 |
| Pretax return on assets | 1.8493% | 730 |
| Return on Equity (ROE) | 11.2365% | 1,561 |
| Retained earnings to average equity (ytd only) | 9.6145% | 703 |
| Net charge-offs to loans | 0.0607% | 6,098 |
| Credit loss provision to net charge-offs | 53.0612% | 6,269 |
| Earnings coverage of net charge-offs (x) | 42.8991% | 714 |
| Efficiency ratio | 55.3621% | 7,082 |
| Assets per employee ($millions) | 3.4025% | 5,159 |
| Cash dividends to net income (ytd only)* | 14.4344% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2038% | 1,410 |
| Loan loss allowance to noncurrent loans | 4,287.2727% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 5,523 |
| Noncurrent loans to loans | 0.0514% | 7,377 |
| Net loans and leases to total assets | 73.2226% | 2,731 |
| Net loans and leases to deposits | 83.9973% | 3,641 |
| Net loans and leases to core deposits | 117.2638% | 2,497 |
| Total domestic deposits to total assets | 87.1725% | 2,092 |
| Equity capital to assets | 10.8192% | 3,193 |
| Core capital (leverage) ratio | 10.8781% | 2,502 |
| Tier 1 risk-based capital ratio | 14.4678% | 3,297 |
| Total risk-based capital ratio | 15.7298% | 3,237 |
| Memoranda: | ||
| Average total assets | $141,814,750 | 4,101 |
| Average earning assets | $128,745,000 | 4,134 |
| Average equity | $14,796,750 | 4,132 |
| Average total loans | $107,574,500 | 3,785 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2022% | 1,443 |
| Cost of funding earning assets | 2.2029% | 2,777 |
| Net interest margin | 3.9993% | 2,701 |
| Noninterest income to average assets | 0.8625% | 2,137 |
| Noninterest expense to average assets | 2.4998% | 6,128 |
| Loan and lease loss provision to assets | 0.0297% | 6,950 |
| Net operating income to assets | 1.2563% | 1,339 |
| Return on assets (ROA) | 1.1043% | 1,837 |
| Pretax return on assets | 1.7405% | 950 |
| Return on Equity (ROE) | 10.7167% | 1,785 |
| Retained earnings to average equity (ytd only) | 8.2468% | 1,133 |
| Net charge-offs to loans | 0.0835% | 5,370 |
| Credit loss provision to net charge-offs | 46.6667% | 5,807 |
| Earnings coverage of net charge-offs (x) | 31.5556% | 958 |
| Efficiency ratio | 55.4580% | 7,170 |
| Assets per employee ($millions) | 3.0933% | 5,889 |
| Cash dividends to net income (ytd only)* | 23.0474% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1956% | 1,255 |
| Loan loss allowance to noncurrent loans | 770.2614% | 445 |
| Noncurrent assets plus other real estate owned to assets | 1.0268% | 4,918 |
| Noncurrent loans to loans | 0.2850% | 6,801 |
| Net loans and leases to total assets | 73.7887% | 2,762 |
| Net loans and leases to deposits | 84.4832% | 3,798 |
| Net loans and leases to core deposits | 116.4775% | 2,672 |
| Total domestic deposits to total assets | 87.3413% | 2,075 |
| Equity capital to assets | 10.4702% | 3,442 |
| Core capital (leverage) ratio | 10.4564% | 2,855 |
| Tier 1 risk-based capital ratio | 13.7086% | 3,687 |
| Total risk-based capital ratio | 14.9645% | 3,611 |
| Memoranda: | ||
| Average total assets | $141,451,670 | 4,148 |
| Average earning assets | $128,921,330 | 4,161 |
| Average equity | $14,575,330 | 4,188 |
| Average total loans | $107,767,330 | 3,819 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1900% | 1,632 |
| Cost of funding earning assets | 2.2105% | 3,117 |
| Net interest margin | 3.9795% | 2,729 |
| Noninterest income to average assets | 1.2252% | 955 |
| Noninterest expense to average assets | 2.4306% | 6,093 |
| Loan and lease loss provision to assets | 0.0284% | 6,570 |
| Net operating income to assets | 1.5251% | 895 |
| Return on assets (ROA) | 1.0749% | 2,182 |
| Pretax return on assets | 1.6932% | 1,194 |
| Return on Equity (ROE) | 10.5176% | 2,119 |
| Retained earnings to average equity (ytd only) | 10.5176% | 1,068 |
| Net charge-offs to loans | 0.0259% | 5,177 |
| Credit loss provision to net charge-offs | 142.8571% | 2,868 |
| Earnings coverage of net charge-offs (x) | 122.1429% | 357 |
| Efficiency ratio | 50.0584% | 7,585 |
| Assets per employee ($millions) | 3.0728% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2358% | 1,040 |
| Loan loss allowance to noncurrent loans | 582.8851% | 611 |
| Noncurrent assets plus other real estate owned to assets | 1.0608% | 4,568 |
| Noncurrent loans to loans | 0.3836% | 6,460 |
| Net loans and leases to total assets | 72.1820% | 3,203 |
| Net loans and leases to deposits | 86.6018% | 3,536 |
| Net loans and leases to core deposits | 118.7989% | 2,526 |
| Total domestic deposits to total assets | 83.3494% | 3,980 |
| Equity capital to assets | 10.1516% | 3,824 |
| Core capital (leverage) ratio | 10.3099% | 3,099 |
| Tier 1 risk-based capital ratio | 13.4871% | 3,872 |
| Total risk-based capital ratio | 14.3783% | 4,011 |
| Memoranda: | ||
| Average total assets | $141,032,500 | 4,168 |
| Average earning assets | $128,660,000 | 4,181 |
| Average equity | $14,414,000 | 4,244 |
| Average total loans | $107,975,500 | 3,841 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0646% | 984 |
| Cost of funding earning assets | 2.8432% | 2,506 |
| Net interest margin | 4.2213% | 2,224 |
| Noninterest income to average assets | 0.5970% | 3,860 |
| Noninterest expense to average assets | 2.4500% | 6,203 |
| Loan and lease loss provision to assets | 0.1260% | 5,755 |
| Net operating income to assets | 1.1660% | 1,888 |
| Return on assets (ROA) | 1.1660% | 1,815 |
| Pretax return on assets | 1.8307% | 886 |
| Return on Equity (ROE) | 11.9439% | 1,612 |
| Retained earnings to average equity (ytd only) | 9.2881% | 559 |
| Net charge-offs to loans | 0.3938% | 2,846 |
| Credit loss provision to net charge-offs | 42.9975% | 6,426 |
| Earnings coverage of net charge-offs (x) | 6.6757% | 3,302 |
| Efficiency ratio | 55.5973% | 7,074 |
| Assets per employee ($millions) | 3.1283% | 5,691 |
| Cash dividends to net income (ytd only)* | 22.2359% | 4,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1789% | 972 |
| Loan loss allowance to noncurrent loans | 1,196.9849% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.9692% | 4,411 |
| Noncurrent loans to loans | 0.1820% | 6,842 |
| Net loans and leases to total assets | 77.6925% | 2,220 |
| Net loans and leases to deposits | 93.6320% | 2,829 |
| Net loans and leases to core deposits | 126.5565% | 2,123 |
| Total domestic deposits to total assets | 82.9764% | 3,783 |
| Equity capital to assets | 10.2925% | 3,722 |
| Core capital (leverage) ratio | 10.1429% | 3,323 |
| Tier 1 risk-based capital ratio | 12.9878% | 4,118 |
| Total risk-based capital ratio | 14.2498% | 4,026 |
| Memoranda: | ||
| Average total assets | $138,854,800 | 4,105 |
| Average earning assets | $125,315,600 | 4,148 |
| Average equity | $13,555,000 | 4,434 |
| Average total loans | $103,353,200 | 3,865 |