Home > The Comanche National Bank > Performance and Condition Ratios
The Comanche National Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8857% | 4,244 |
| Cost of funding earning assets | 0.5453% | 2,890 |
| Net interest margin | 3.3404% | 4,186 |
| Noninterest income to average assets | 0.4448% | 3,205 |
| Noninterest expense to average assets | 2.2825% | 4,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0696% | 2,784 |
| Return on assets (ROA) | 1.0755% | 2,772 |
| Pretax return on assets | 1.2549% | 2,792 |
| Return on Equity (ROE) | 9.5379% | 2,826 |
| Retained earnings to average equity (ytd only) | 9.5379% | 1,041 |
| Net charge-offs to loans | 0.0281% | 2,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 126.2538% | 634 |
| Efficiency ratio | 64.6495% | 3,080 |
| Assets per employee ($millions) | 4.1307% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5816% | 215 |
| Loan loss allowance to noncurrent loans | 7,928.2051% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 4,886 |
| Noncurrent loans to loans | 0.0326% | 4,748 |
| Net loans and leases to total assets | 34.4472% | 5,191 |
| Net loans and leases to deposits | 39.2335% | 5,223 |
| Net loans and leases to core deposits | 44.8395% | 5,141 |
| Total domestic deposits to total assets | 87.8005% | 1,337 |
| Equity capital to assets | 11.5604% | 2,216 |
| Core capital (leverage) ratio | 12.0123% | 1,780 |
| Tier 1 risk-based capital ratio | 26.1613% | 670 |
| Total risk-based capital ratio | 27.4203% | 660 |
| Memoranda: | ||
| Average total assets | $350,719,000 | 1,930 |
| Average earning assets | $323,986,250 | 1,923 |
| Average equity | $39,546,750 | 1,882 |
| Average total loans | $123,562,000 | 2,984 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8716% | 4,151 |
| Cost of funding earning assets | 0.5184% | 2,860 |
| Net interest margin | 3.3531% | 4,096 |
| Noninterest income to average assets | 0.4398% | 3,220 |
| Noninterest expense to average assets | 2.2530% | 4,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1095% | 2,551 |
| Return on assets (ROA) | 1.1158% | 2,534 |
| Pretax return on assets | 1.2900% | 2,556 |
| Return on Equity (ROE) | 9.9756% | 2,570 |
| Retained earnings to average equity (ytd only) | 9.9756% | 935 |
| Net charge-offs to loans | 0.0016% | 3,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2,275.0000% | 26 |
| Efficiency ratio | 63.7219% | 3,357 |
| Assets per employee ($millions) | 4.1917% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5014% | 247 |
| Loan loss allowance to noncurrent loans | 260.5351% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.3762% | 3,236 |
| Noncurrent loans to loans | 0.9601% | 1,808 |
| Net loans and leases to total assets | 34.9091% | 5,208 |
| Net loans and leases to deposits | 39.6111% | 5,255 |
| Net loans and leases to core deposits | 46.0966% | 5,148 |
| Total domestic deposits to total assets | 88.1296% | 1,310 |
| Equity capital to assets | 11.3347% | 2,326 |
| Core capital (leverage) ratio | 11.4435% | 2,114 |
| Tier 1 risk-based capital ratio | 23.6267% | 871 |
| Total risk-based capital ratio | 24.8841% | 840 |
| Memoranda: | ||
| Average total assets | $354,719,330 | 1,914 |
| Average earning assets | $327,517,330 | 1,917 |
| Average equity | $39,676,670 | 1,874 |
| Average total loans | $124,825,670 | 2,986 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8315% | 4,127 |
| Cost of funding earning assets | 0.4841% | 2,918 |
| Net interest margin | 3.3474% | 4,060 |
| Noninterest income to average assets | 0.4300% | 3,239 |
| Noninterest expense to average assets | 2.2082% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1337% | 2,273 |
| Return on assets (ROA) | 1.1337% | 2,288 |
| Pretax return on assets | 1.3113% | 2,319 |
| Return on Equity (ROE) | 10.2016% | 2,332 |
| Retained earnings to average equity (ytd only) | 10.2016% | 1,103 |
| Net charge-offs to loans | 0.0160% | 2,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 234.8000% | 286 |
| Efficiency ratio | 62.7420% | 3,670 |
| Assets per employee ($millions) | 4.4754% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5007% | 253 |
| Loan loss allowance to noncurrent loans | 536.5517% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 4,112 |
| Noncurrent loans to loans | 0.4661% | 3,131 |
| Net loans and leases to total assets | 33.8892% | 5,272 |
| Net loans and leases to deposits | 38.2247% | 5,314 |
| Net loans and leases to core deposits | 45.7919% | 5,170 |
| Total domestic deposits to total assets | 88.6580% | 1,278 |
| Equity capital to assets | 10.8619% | 2,709 |
| Core capital (leverage) ratio | 10.7494% | 2,689 |
| Tier 1 risk-based capital ratio | 22.9591% | 946 |
| Total risk-based capital ratio | 24.2161% | 922 |
| Memoranda: | ||
| Average total assets | $358,121,500 | 1,906 |
| Average earning assets | $330,520,500 | 1,920 |
| Average equity | $39,797,500 | 1,877 |
| Average total loans | $124,953,500 | 3,001 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7880% | 4,088 |
| Cost of funding earning assets | 0.4396% | 2,877 |
| Net interest margin | 3.3485% | 4,015 |
| Noninterest income to average assets | 0.4842% | 3,098 |
| Noninterest expense to average assets | 2.3603% | 4,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9080% | 2,667 |
| Return on assets (ROA) | 0.8920% | 2,785 |
| Pretax return on assets | 1.1955% | 2,786 |
| Return on Equity (ROE) | 7.4860% | 3,040 |
| Retained earnings to average equity (ytd only) | 3.8007% | 2,944 |
| Net charge-offs to loans | -0.0906% | 5,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9820% | 3,270 |
| Assets per employee ($millions) | 4.2143% | 3,633 |
| Cash dividends to net income (ytd only)* | 49.2287% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4844% | 250 |
| Loan loss allowance to noncurrent loans | 629.6970% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 4,285 |
| Noncurrent loans to loans | 0.3945% | 3,346 |
| Net loans and leases to total assets | 34.1541% | 5,341 |
| Net loans and leases to deposits | 38.7606% | 5,370 |
| Net loans and leases to core deposits | 44.7084% | 5,275 |
| Total domestic deposits to total assets | 88.1154% | 1,431 |
| Equity capital to assets | 11.3637% | 2,313 |
| Core capital (leverage) ratio | 11.1518% | 2,195 |
| Tier 1 risk-based capital ratio | 22.5310% | 960 |
| Total risk-based capital ratio | 23.7883% | 941 |
| Memoranda: | ||
| Average total assets | $341,602,000 | 1,953 |
| Average earning assets | $315,545,600 | 1,960 |
| Average equity | $40,702,800 | 1,823 |
| Average total loans | $125,852,600 | 2,980 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8158% | 3,952 |
| Cost of funding earning assets | 0.4402% | 2,807 |
| Net interest margin | 3.3756% | 3,932 |
| Noninterest income to average assets | 0.4931% | 3,066 |
| Noninterest expense to average assets | 2.4031% | 4,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9768% | 2,657 |
| Return on assets (ROA) | 0.9866% | 2,670 |
| Pretax return on assets | 1.2288% | 2,791 |
| Return on Equity (ROE) | 8.1796% | 3,029 |
| Retained earnings to average equity (ytd only) | 8.1796% | 1,147 |
| Net charge-offs to loans | -0.0064% | 4,506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3901% | 3,149 |
| Assets per employee ($millions) | 3.7893% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3621% | 315 |
| Loan loss allowance to noncurrent loans | 1,048.4321% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 4,759 |
| Noncurrent loans to loans | 0.2253% | 4,166 |
| Net loans and leases to total assets | 37.3001% | 5,293 |
| Net loans and leases to deposits | 43.0303% | 5,335 |
| Net loans and leases to core deposits | 50.0412% | 5,196 |
| Total domestic deposits to total assets | 86.6834% | 2,006 |
| Equity capital to assets | 12.7675% | 1,504 |
| Core capital (leverage) ratio | 11.6499% | 1,918 |
| Tier 1 risk-based capital ratio | 23.6942% | 879 |
| Total risk-based capital ratio | 24.9513% | 860 |
| Memoranda: | ||
| Average total assets | $337,449,500 | 1,985 |
| Average earning assets | $312,550,000 | 1,989 |
| Average equity | $40,702,000 | 1,843 |
| Average total loans | $125,950,500 | 2,999 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7873% | 3,936 |
| Cost of funding earning assets | 0.4344% | 2,762 |
| Net interest margin | 3.3529% | 3,939 |
| Noninterest income to average assets | 0.4888% | 3,093 |
| Noninterest expense to average assets | 2.3897% | 4,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9670% | 2,578 |
| Return on assets (ROA) | 0.9741% | 2,598 |
| Pretax return on assets | 1.2108% | 2,731 |
| Return on Equity (ROE) | 8.2339% | 2,897 |
| Retained earnings to average equity (ytd only) | 8.2339% | 1,077 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5352% | 3,256 |
| Assets per employee ($millions) | 4.0430% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3750% | 337 |
| Loan loss allowance to noncurrent loans | 671.8121% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 4,625 |
| Noncurrent loans to loans | 0.3535% | 3,764 |
| Net loans and leases to total assets | 35.9197% | 5,379 |
| Net loans and leases to deposits | 41.1275% | 5,418 |
| Net loans and leases to core deposits | 48.0556% | 5,283 |
| Total domestic deposits to total assets | 87.3376% | 1,785 |
| Equity capital to assets | 12.1928% | 1,793 |
| Core capital (leverage) ratio | 11.2593% | 2,169 |
| Tier 1 risk-based capital ratio | 23.0925% | 938 |
| Total risk-based capital ratio | 24.3494% | 929 |
| Memoranda: | ||
| Average total assets | $338,781,000 | 1,986 |
| Average earning assets | $313,522,670 | 1,991 |
| Average equity | $40,078,000 | 1,867 |
| Average total loans | $125,471,330 | 3,014 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7709% | 3,865 |
| Cost of funding earning assets | 0.4307% | 2,713 |
| Net interest margin | 3.3402% | 3,881 |
| Noninterest income to average assets | 0.4662% | 3,215 |
| Noninterest expense to average assets | 2.3857% | 4,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9453% | 2,539 |
| Return on assets (ROA) | 0.9597% | 2,539 |
| Pretax return on assets | 1.1881% | 2,636 |
| Return on Equity (ROE) | 8.2417% | 2,789 |
| Retained earnings to average equity (ytd only) | 8.2417% | 1,358 |
| Net charge-offs to loans | -0.0320% | 4,961 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0903% | 3,328 |
| Assets per employee ($millions) | 4.0534% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4237% | 343 |
| Loan loss allowance to noncurrent loans | 613.6456% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 4,642 |
| Noncurrent loans to loans | 0.3950% | 3,686 |
| Net loans and leases to total assets | 35.6250% | 5,418 |
| Net loans and leases to deposits | 40.5446% | 5,456 |
| Net loans and leases to core deposits | 48.0946% | 5,295 |
| Total domestic deposits to total assets | 87.8662% | 1,789 |
| Equity capital to assets | 11.6650% | 2,068 |
| Core capital (leverage) ratio | 11.0785% | 2,284 |
| Tier 1 risk-based capital ratio | 22.8800% | 992 |
| Total risk-based capital ratio | 24.1372% | 971 |
| Memoranda: | ||
| Average total assets | $336,344,000 | 2,013 |
| Average earning assets | $311,123,000 | 2,020 |
| Average equity | $39,166,500 | 1,905 |
| Average total loans | $124,985,500 | 3,040 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7045% | 4,194 |
| Cost of funding earning assets | 0.4191% | 2,813 |
| Net interest margin | 3.2854% | 4,187 |
| Noninterest income to average assets | 0.4453% | 3,576 |
| Noninterest expense to average assets | 2.4690% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8430% | 3,095 |
| Return on assets (ROA) | 0.8970% | 2,961 |
| Pretax return on assets | 1.0825% | 3,166 |
| Return on Equity (ROE) | 7.1311% | 3,398 |
| Retained earnings to average equity (ytd only) | 3.4741% | 3,450 |
| Net charge-offs to loans | -0.0289% | 5,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8154% | 2,777 |
| Assets per employee ($millions) | 4.1012% | 3,781 |
| Cash dividends to net income (ytd only)* | 51.2821% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3898% | 360 |
| Loan loss allowance to noncurrent loans | 252.3529% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 3,806 |
| Noncurrent loans to loans | 0.9470% | 2,192 |
| Net loans and leases to total assets | 36.9223% | 5,451 |
| Net loans and leases to deposits | 42.0226% | 5,491 |
| Net loans and leases to core deposits | 47.9398% | 5,371 |
| Total domestic deposits to total assets | 87.8630% | 1,701 |
| Equity capital to assets | 11.6240% | 2,066 |
| Core capital (leverage) ratio | 11.3978% | 2,012 |
| Tier 1 risk-based capital ratio | 22.1302% | 1,061 |
| Total risk-based capital ratio | 23.3874% | 1,033 |
| Memoranda: | ||
| Average total assets | $326,082,800 | 2,028 |
| Average earning assets | $301,846,800 | 2,029 |
| Average equity | $41,017,400 | 1,808 |
| Average total loans | $117,688,000 | 3,099 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7213% | 4,177 |
| Cost of funding earning assets | 0.4228% | 2,808 |
| Net interest margin | 3.2985% | 4,192 |
| Noninterest income to average assets | 0.4433% | 3,602 |
| Noninterest expense to average assets | 2.4723% | 4,069 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8497% | 3,153 |
| Return on assets (ROA) | 0.9108% | 2,981 |
| Pretax return on assets | 1.1018% | 3,228 |
| Return on Equity (ROE) | 7.1025% | 3,507 |
| Retained earnings to average equity (ytd only) | 7.1025% | 1,572 |
| Net charge-offs to loans | -0.0438% | 5,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6255% | 2,805 |
| Assets per employee ($millions) | 3.8102% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4717% | 342 |
| Loan loss allowance to noncurrent loans | 563.1086% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 4,734 |
| Noncurrent loans to loans | 0.4389% | 3,707 |
| Net loans and leases to total assets | 37.0718% | 5,507 |
| Net loans and leases to deposits | 43.1170% | 5,544 |
| Net loans and leases to core deposits | 49.9444% | 5,388 |
| Total domestic deposits to total assets | 85.9795% | 2,366 |
| Equity capital to assets | 13.3753% | 1,305 |
| Core capital (leverage) ratio | 11.6827% | 1,902 |
| Tier 1 risk-based capital ratio | 23.9662% | 908 |
| Total risk-based capital ratio | 25.2244% | 885 |
| Memoranda: | ||
| Average total assets | $324,553,500 | 2,040 |
| Average earning assets | $300,817,750 | 2,042 |
| Average equity | $41,618,000 | 1,791 |
| Average total loans | $115,695,250 | 3,142 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7479% | 4,133 |
| Cost of funding earning assets | 0.4252% | 2,776 |
| Net interest margin | 3.3227% | 4,149 |
| Noninterest income to average assets | 0.4343% | 3,639 |
| Noninterest expense to average assets | 2.4499% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8679% | 3,016 |
| Return on assets (ROA) | 0.9459% | 2,786 |
| Pretax return on assets | 1.1569% | 2,955 |
| Return on Equity (ROE) | 7.4816% | 3,273 |
| Retained earnings to average equity (ytd only) | 7.4816% | 1,392 |
| Net charge-offs to loans | -0.0739% | 5,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7642% | 3,017 |
| Assets per employee ($millions) | 3.8336% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5537% | 339 |
| Loan loss allowance to noncurrent loans | 776.2887% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 4,908 |
| Noncurrent loans to loans | 0.3290% | 4,190 |
| Net loans and leases to total assets | 35.6919% | 5,620 |
| Net loans and leases to deposits | 41.3832% | 5,643 |
| Net loans and leases to core deposits | 48.2248% | 5,493 |
| Total domestic deposits to total assets | 86.2473% | 2,299 |
| Equity capital to assets | 13.1397% | 1,421 |
| Core capital (leverage) ratio | 11.2768% | 2,169 |
| Tier 1 risk-based capital ratio | 21.6476% | 1,176 |
| Total risk-based capital ratio | 22.9039% | 1,162 |
| Memoranda: | ||
| Average total assets | $326,051,330 | 2,035 |
| Average earning assets | $301,984,670 | 2,046 |
| Average equity | $41,221,000 | 1,803 |
| Average total loans | $113,707,330 | 3,180 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8185% | 3,878 |
| Cost of funding earning assets | 0.4266% | 2,798 |
| Net interest margin | 3.3919% | 3,902 |
| Noninterest income to average assets | 0.4121% | 3,732 |
| Noninterest expense to average assets | 2.4239% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9266% | 2,612 |
| Return on assets (ROA) | 0.9266% | 2,722 |
| Pretax return on assets | 1.1290% | 2,978 |
| Return on Equity (ROE) | 7.4739% | 3,195 |
| Retained earnings to average equity (ytd only) | 7.4739% | 1,674 |
| Net charge-offs to loans | -0.1828% | 5,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2224% | 3,428 |
| Assets per employee ($millions) | 3.8518% | 4,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7155% | 305 |
| Loan loss allowance to noncurrent loans | 586.6019% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 4,775 |
| Noncurrent loans to loans | 0.4629% | 3,786 |
| Net loans and leases to total assets | 32.6726% | 5,765 |
| Net loans and leases to deposits | 37.5307% | 5,793 |
| Net loans and leases to core deposits | 44.1615% | 5,653 |
| Total domestic deposits to total assets | 87.0556% | 2,188 |
| Equity capital to assets | 12.4215% | 1,729 |
| Core capital (leverage) ratio | 10.7439% | 2,677 |
| Tier 1 risk-based capital ratio | 21.4892% | 1,234 |
| Total risk-based capital ratio | 22.7462% | 1,211 |
| Memoranda: | ||
| Average total assets | $328,065,500 | 2,037 |
| Average earning assets | $303,780,500 | 2,035 |
| Average equity | $40,675,000 | 1,819 |
| Average total loans | $111,587,000 | 3,219 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6833% | 4,418 |
| Cost of funding earning assets | 0.4337% | 2,810 |
| Net interest margin | 3.2495% | 4,475 |
| Noninterest income to average assets | 0.4993% | 3,333 |
| Noninterest expense to average assets | 2.3441% | 4,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9458% | 2,634 |
| Return on assets (ROA) | 0.9458% | 2,708 |
| Pretax return on assets | 1.1742% | 2,754 |
| Return on Equity (ROE) | 7.7982% | 3,074 |
| Retained earnings to average equity (ytd only) | 4.3113% | 2,909 |
| Net charge-offs to loans | 0.0252% | 3,734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 143.9630% | 435 |
| Efficiency ratio | 66.6266% | 3,807 |
| Assets per employee ($millions) | 3.9142% | 4,093 |
| Cash dividends to net income (ytd only)* | 44.7141% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6536% | 338 |
| Loan loss allowance to noncurrent loans | 496.6555% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 4,686 |
| Noncurrent loans to loans | 0.5343% | 3,563 |
| Net loans and leases to total assets | 33.5369% | 5,789 |
| Net loans and leases to deposits | 38.5170% | 5,823 |
| Net loans and leases to core deposits | 43.9323% | 5,718 |
| Total domestic deposits to total assets | 87.0704% | 2,096 |
| Equity capital to assets | 12.3749% | 1,684 |
| Core capital (leverage) ratio | 11.7866% | 1,766 |
| Tier 1 risk-based capital ratio | 25.3606% | 785 |
| Total risk-based capital ratio | 26.6210% | 769 |
| Memoranda: | ||
| Average total assets | $331,044,800 | 1,985 |
| Average earning assets | $307,550,800 | 1,978 |
| Average equity | $40,150,200 | 1,793 |
| Average total loans | $107,282,200 | 3,253 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6706% | 4,521 |
| Cost of funding earning assets | 0.4433% | 2,757 |
| Net interest margin | 3.2274% | 4,586 |
| Noninterest income to average assets | 0.4089% | 4,018 |
| Noninterest expense to average assets | 2.3304% | 4,700 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8595% | 3,126 |
| Return on assets (ROA) | 0.9517% | 2,799 |
| Pretax return on assets | 1.1987% | 2,825 |
| Return on Equity (ROE) | 7.8861% | 3,138 |
| Retained earnings to average equity (ytd only) | 7.8861% | 1,284 |
| Net charge-offs to loans | -0.0879% | 5,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2918% | 3,486 |
| Assets per employee ($millions) | 3.8681% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8000% | 299 |
| Loan loss allowance to noncurrent loans | 851.6667% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 5,141 |
| Noncurrent loans to loans | 0.3288% | 4,430 |
| Net loans and leases to total assets | 33.1519% | 5,892 |
| Net loans and leases to deposits | 38.6798% | 5,909 |
| Net loans and leases to core deposits | 44.6791% | 5,770 |
| Total domestic deposits to total assets | 85.7087% | 2,686 |
| Equity capital to assets | 12.7554% | 1,584 |
| Core capital (leverage) ratio | 11.3736% | 2,130 |
| Tier 1 risk-based capital ratio | 25.5133% | 808 |
| Total risk-based capital ratio | 26.7751% | 794 |
| Memoranda: | ||
| Average total assets | $332,587,250 | 1,989 |
| Average earning assets | $309,512,500 | 1,973 |
| Average equity | $40,137,000 | 1,811 |
| Average total loans | $106,122,000 | 3,300 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6665% | 4,522 |
| Cost of funding earning assets | 0.4528% | 2,694 |
| Net interest margin | 3.2136% | 4,618 |
| Noninterest income to average assets | 0.3983% | 4,089 |
| Noninterest expense to average assets | 2.2881% | 4,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8766% | 3,006 |
| Return on assets (ROA) | 0.9850% | 2,580 |
| Pretax return on assets | 1.2430% | 2,580 |
| Return on Equity (ROE) | 8.3129% | 2,884 |
| Retained earnings to average equity (ytd only) | 8.3129% | 1,144 |
| Net charge-offs to loans | -0.1295% | 5,874 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4199% | 3,763 |
| Assets per employee ($millions) | 4.0217% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9126% | 294 |
| Loan loss allowance to noncurrent loans | 593.7984% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 5,250 |
| Noncurrent loans to loans | 0.4905% | 4,004 |
| Net loans and leases to total assets | 30.9710% | 6,009 |
| Net loans and leases to deposits | 35.4411% | 6,049 |
| Net loans and leases to core deposits | 41.9115% | 5,899 |
| Total domestic deposits to total assets | 87.3872% | 1,972 |
| Equity capital to assets | 12.1680% | 1,905 |
| Core capital (leverage) ratio | 10.6942% | 2,739 |
| Tier 1 risk-based capital ratio | 25.2982% | 834 |
| Total risk-based capital ratio | 26.5599% | 821 |
| Memoranda: | ||
| Average total assets | $336,433,330 | 1,974 |
| Average earning assets | $313,600,330 | 1,957 |
| Average equity | $39,865,670 | 1,828 |
| Average total loans | $104,996,000 | 3,344 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6742% | 4,456 |
| Cost of funding earning assets | 0.4610% | 2,671 |
| Net interest margin | 3.2132% | 4,558 |
| Noninterest income to average assets | 0.3720% | 4,231 |
| Noninterest expense to average assets | 2.2522% | 4,998 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8995% | 2,740 |
| Return on assets (ROA) | 0.8995% | 2,869 |
| Pretax return on assets | 1.1149% | 3,018 |
| Return on Equity (ROE) | 7.6910% | 3,125 |
| Retained earnings to average equity (ytd only) | 7.6910% | 1,690 |
| Net charge-offs to loans | -0.1449% | 5,970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8881% | 4,002 |
| Assets per employee ($millions) | 4.1831% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8604% | 340 |
| Loan loss allowance to noncurrent loans | 770.0508% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 5,490 |
| Noncurrent loans to loans | 0.3715% | 4,474 |
| Net loans and leases to total assets | 30.0378% | 6,071 |
| Net loans and leases to deposits | 34.2340% | 6,115 |
| Net loans and leases to core deposits | 41.8097% | 5,920 |
| Total domestic deposits to total assets | 87.7426% | 1,961 |
| Equity capital to assets | 11.6982% | 2,291 |
| Core capital (leverage) ratio | 9.9130% | 3,727 |
| Tier 1 risk-based capital ratio | 24.3104% | 960 |
| Total risk-based capital ratio | 25.5716% | 942 |
| Memoranda: | ||
| Average total assets | $339,762,000 | 1,957 |
| Average earning assets | $316,691,500 | 1,948 |
| Average equity | $39,735,000 | 1,844 |
| Average total loans | $104,894,500 | 3,358 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8594% | 4,283 |
| Cost of funding earning assets | 0.4653% | 3,020 |
| Net interest margin | 3.3941% | 4,221 |
| Noninterest income to average assets | 0.4404% | 3,900 |
| Noninterest expense to average assets | 2.4478% | 4,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8948% | 2,902 |
| Return on assets (ROA) | 0.9893% | 2,516 |
| Pretax return on assets | 1.2599% | 2,395 |
| Return on Equity (ROE) | 8.2035% | 3,022 |
| Retained earnings to average equity (ytd only) | 3.6489% | 3,621 |
| Net charge-offs to loans | 0.0208% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 165.1364% | 327 |
| Efficiency ratio | 67.0486% | 4,050 |
| Assets per employee ($millions) | 4.2062% | 3,530 |
| Cash dividends to net income (ytd only)* | 55.5203% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8885% | 336 |
| Loan loss allowance to noncurrent loans | 811.9241% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 5,554 |
| Noncurrent loans to loans | 0.3558% | 4,589 |
| Net loans and leases to total assets | 29.9333% | 6,182 |
| Net loans and leases to deposits | 34.1245% | 6,218 |
| Net loans and leases to core deposits | 40.4301% | 6,086 |
| Total domestic deposits to total assets | 87.7178% | 1,917 |
| Equity capital to assets | 11.6920% | 2,263 |
| Core capital (leverage) ratio | 10.3638% | 3,097 |
| Tier 1 risk-based capital ratio | 24.6447% | 874 |
| Total risk-based capital ratio | 25.9050% | 853 |
| Memoranda: | ||
| Average total assets | $318,609,000 | 2,041 |
| Average earning assets | $295,483,000 | 2,030 |
| Average equity | $38,422,600 | 1,837 |
| Average total loans | $105,568,200 | 3,313 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9291% | 4,057 |
| Cost of funding earning assets | 0.4732% | 3,021 |
| Net interest margin | 3.4559% | 3,996 |
| Noninterest income to average assets | 0.4469% | 3,915 |
| Noninterest expense to average assets | 2.4961% | 4,541 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9052% | 2,893 |
| Return on assets (ROA) | 1.0314% | 2,378 |
| Pretax return on assets | 1.3179% | 2,312 |
| Return on Equity (ROE) | 8.4831% | 2,954 |
| Retained earnings to average equity (ytd only) | 8.4831% | 1,154 |
| Net charge-offs to loans | -0.0088% | 5,403 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7868% | 4,086 |
| Assets per employee ($millions) | 3.8658% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9813% | 368 |
| Loan loss allowance to noncurrent loans | 798.1530% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 5,651 |
| Noncurrent loans to loans | 0.3735% | 4,791 |
| Net loans and leases to total assets | 31.0548% | 6,222 |
| Net loans and leases to deposits | 35.7250% | 6,254 |
| Net loans and leases to core deposits | 42.8256% | 6,091 |
| Total domestic deposits to total assets | 86.9275% | 2,360 |
| Equity capital to assets | 12.5715% | 1,652 |
| Core capital (leverage) ratio | 10.9666% | 2,521 |
| Tier 1 risk-based capital ratio | 26.1611% | 771 |
| Total risk-based capital ratio | 27.4238% | 752 |
| Memoranda: | ||
| Average total assets | $314,137,500 | 2,083 |
| Average earning assets | $291,358,750 | 2,072 |
| Average equity | $38,192,500 | 1,856 |
| Average total loans | $106,030,250 | 3,331 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9785% | 3,824 |
| Cost of funding earning assets | 0.4806% | 3,021 |
| Net interest margin | 3.4979% | 3,795 |
| Noninterest income to average assets | 0.4534% | 3,849 |
| Noninterest expense to average assets | 2.4893% | 4,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9276% | 2,669 |
| Return on assets (ROA) | 1.1150% | 1,953 |
| Pretax return on assets | 1.4515% | 1,710 |
| Return on Equity (ROE) | 9.2774% | 2,466 |
| Retained earnings to average equity (ytd only) | 9.2774% | 889 |
| Net charge-offs to loans | -0.0576% | 5,938 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5786% | 4,427 |
| Assets per employee ($millions) | 3.7962% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8396% | 456 |
| Loan loss allowance to noncurrent loans | 863.7394% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 5,794 |
| Noncurrent loans to loans | 0.3288% | 5,029 |
| Net loans and leases to total assets | 33.1104% | 6,194 |
| Net loans and leases to deposits | 38.0438% | 6,226 |
| Net loans and leases to core deposits | 45.5359% | 6,011 |
| Total domestic deposits to total assets | 87.0324% | 2,436 |
| Equity capital to assets | 12.4957% | 1,645 |
| Core capital (leverage) ratio | 10.7169% | 2,704 |
| Tier 1 risk-based capital ratio | 24.7788% | 894 |
| Total risk-based capital ratio | 26.0416% | 883 |
| Memoranda: | ||
| Average total assets | $313,185,330 | 2,086 |
| Average earning assets | $290,458,670 | 2,071 |
| Average equity | $37,639,670 | 1,873 |
| Average total loans | $107,551,330 | 3,295 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0463% | 3,493 |
| Cost of funding earning assets | 0.4837% | 3,079 |
| Net interest margin | 3.5626% | 3,420 |
| Noninterest income to average assets | 0.4612% | 3,704 |
| Noninterest expense to average assets | 2.4994% | 4,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9980% | 2,219 |
| Return on assets (ROA) | 0.9980% | 2,274 |
| Pretax return on assets | 1.2734% | 2,204 |
| Return on Equity (ROE) | 8.4735% | 2,697 |
| Retained earnings to average equity (ytd only) | 8.4735% | 1,426 |
| Net charge-offs to loans | -0.0520% | 5,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5501% | 4,771 |
| Assets per employee ($millions) | 3.8443% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7925% | 549 |
| Loan loss allowance to noncurrent loans | 607.6152% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.1849% | 5,672 |
| Noncurrent loans to loans | 0.4596% | 4,776 |
| Net loans and leases to total assets | 33.4814% | 6,205 |
| Net loans and leases to deposits | 38.1392% | 6,240 |
| Net loans and leases to core deposits | 46.4072% | 5,964 |
| Total domestic deposits to total assets | 87.7873% | 2,356 |
| Equity capital to assets | 11.8625% | 1,969 |
| Core capital (leverage) ratio | 10.4512% | 2,988 |
| Tier 1 risk-based capital ratio | 24.0844% | 992 |
| Total risk-based capital ratio | 25.3468% | 972 |
| Memoranda: | ||
| Average total assets | $312,235,500 | 2,098 |
| Average earning assets | $290,240,500 | 2,080 |
| Average equity | $36,773,500 | 1,907 |
| Average total loans | $107,639,500 | 3,309 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8726% | 4,564 |
| Cost of funding earning assets | 0.5159% | 3,444 |
| Net interest margin | 3.3567% | 4,456 |
| Noninterest income to average assets | 0.4620% | 4,013 |
| Noninterest expense to average assets | 2.5083% | 4,741 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8812% | 2,870 |
| Return on assets (ROA) | 0.8872% | 2,936 |
| Pretax return on assets | 1.1255% | 2,863 |
| Return on Equity (ROE) | 6.9221% | 3,596 |
| Retained earnings to average equity (ytd only) | 1.8304% | 4,930 |
| Net charge-offs to loans | -0.0498% | 6,336 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2665% | 4,335 |
| Assets per employee ($millions) | 3.8178% | 4,226 |
| Cash dividends to net income (ytd only)* | 73.5579% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8284% | 573 |
| Loan loss allowance to noncurrent loans | 545.7505% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 5,777 |
| Noncurrent loans to loans | 0.5183% | 4,695 |
| Net loans and leases to total assets | 33.5291% | 6,316 |
| Net loans and leases to deposits | 38.0927% | 6,359 |
| Net loans and leases to core deposits | 43.8193% | 6,236 |
| Total domestic deposits to total assets | 88.0197% | 2,171 |
| Equity capital to assets | 11.6908% | 2,039 |
| Core capital (leverage) ratio | 10.6919% | 2,685 |
| Tier 1 risk-based capital ratio | 24.4538% | 907 |
| Total risk-based capital ratio | 25.7172% | 891 |
| Memoranda: | ||
| Average total assets | $291,151,600 | 2,203 |
| Average earning assets | $274,466,200 | 2,148 |
| Average equity | $37,315,200 | 1,860 |
| Average total loans | $106,330,600 | 3,318 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8480% | 4,673 |
| Cost of funding earning assets | 0.5256% | 3,516 |
| Net interest margin | 3.3223% | 4,561 |
| Noninterest income to average assets | 0.4642% | 4,044 |
| Noninterest expense to average assets | 2.5240% | 4,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8626% | 3,035 |
| Return on assets (ROA) | 0.8708% | 3,097 |
| Pretax return on assets | 1.0936% | 3,141 |
| Return on Equity (ROE) | 6.6371% | 3,851 |
| Retained earnings to average equity (ytd only) | 4.8644% | 3,180 |
| Net charge-offs to loans | -0.0929% | 6,483 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0206% | 4,099 |
| Assets per employee ($millions) | 3.5372% | 4,770 |
| Cash dividends to net income (ytd only)* | 26.7094% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8180% | 663 |
| Loan loss allowance to noncurrent loans | 595.8824% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 5,914 |
| Noncurrent loans to loans | 0.4729% | 5,013 |
| Net loans and leases to total assets | 36.1333% | 6,277 |
| Net loans and leases to deposits | 41.4921% | 6,336 |
| Net loans and leases to core deposits | 47.1036% | 6,163 |
| Total domestic deposits to total assets | 87.0849% | 2,645 |
| Equity capital to assets | 12.6476% | 1,502 |
| Core capital (leverage) ratio | 11.5251% | 2,020 |
| Tier 1 risk-based capital ratio | 26.5315% | 741 |
| Total risk-based capital ratio | 27.7971% | 729 |
| Memoranda: | ||
| Average total assets | $286,629,000 | 2,240 |
| Average earning assets | $271,167,000 | 2,178 |
| Average equity | $37,605,750 | 1,857 |
| Average total loans | $106,237,250 | 3,343 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8587% | 4,627 |
| Cost of funding earning assets | 0.5399% | 3,503 |
| Net interest margin | 3.3187% | 4,493 |
| Noninterest income to average assets | 0.4547% | 4,131 |
| Noninterest expense to average assets | 2.4800% | 4,806 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8810% | 2,891 |
| Return on assets (ROA) | 0.8932% | 2,984 |
| Pretax return on assets | 1.1293% | 2,980 |
| Return on Equity (ROE) | 6.7259% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.7259% | 2,019 |
| Net charge-offs to loans | -0.1381% | 6,576 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0565% | 4,349 |
| Assets per employee ($millions) | 3.4144% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8690% | 659 |
| Loan loss allowance to noncurrent loans | 574.2911% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 5,802 |
| Noncurrent loans to loans | 0.4996% | 5,018 |
| Net loans and leases to total assets | 36.7362% | 6,256 |
| Net loans and leases to deposits | 42.4623% | 6,302 |
| Net loans and leases to core deposits | 48.9774% | 6,079 |
| Total domestic deposits to total assets | 86.5148% | 3,109 |
| Equity capital to assets | 13.2184% | 1,251 |
| Core capital (leverage) ratio | 11.5722% | 1,876 |
| Tier 1 risk-based capital ratio | 26.6744% | 720 |
| Total risk-based capital ratio | 27.9401% | 708 |
| Memoranda: | ||
| Average total assets | $285,489,330 | 2,251 |
| Average earning assets | $270,042,330 | 2,193 |
| Average equity | $37,913,000 | 1,855 |
| Average total loans | $105,702,000 | 3,367 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8601% | 4,615 |
| Cost of funding earning assets | 0.5368% | 3,707 |
| Net interest margin | 3.3233% | 4,425 |
| Noninterest income to average assets | 0.4413% | 4,172 |
| Noninterest expense to average assets | 2.3994% | 5,123 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9270% | 2,538 |
| Return on assets (ROA) | 0.9270% | 2,678 |
| Pretax return on assets | 1.1865% | 2,628 |
| Return on Equity (ROE) | 6.9647% | 3,508 |
| Retained earnings to average equity (ytd only) | 6.9647% | 2,169 |
| Net charge-offs to loans | -0.2462% | 6,731 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9768% | 4,827 |
| Assets per employee ($millions) | 3.6386% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8168% | 810 |
| Loan loss allowance to noncurrent loans | 641.9492% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 5,951 |
| Noncurrent loans to loans | 0.4388% | 5,325 |
| Net loans and leases to total assets | 36.3675% | 6,269 |
| Net loans and leases to deposits | 42.3163% | 6,300 |
| Net loans and leases to core deposits | 49.3858% | 6,009 |
| Total domestic deposits to total assets | 85.9421% | 3,556 |
| Equity capital to assets | 13.3796% | 1,256 |
| Core capital (leverage) ratio | 11.1373% | 2,148 |
| Tier 1 risk-based capital ratio | 25.9665% | 783 |
| Total risk-based capital ratio | 27.2321% | 774 |
| Memoranda: | ||
| Average total assets | $288,244,000 | 2,263 |
| Average earning assets | $272,739,000 | 2,200 |
| Average equity | $38,365,000 | 1,852 |
| Average total loans | $105,607,000 | 3,389 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2114% | 4,544 |
| Cost of funding earning assets | 0.6051% | 4,295 |
| Net interest margin | 3.6062% | 4,056 |
| Noninterest income to average assets | 0.4672% | 4,123 |
| Noninterest expense to average assets | 2.5236% | 5,019 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9958% | 2,351 |
| Return on assets (ROA) | 1.0851% | 2,179 |
| Pretax return on assets | 1.4437% | 1,878 |
| Return on Equity (ROE) | 8.1174% | 3,033 |
| Retained earnings to average equity (ytd only) | 4.1997% | 3,274 |
| Net charge-offs to loans | 0.1578% | 4,119 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 23.5652% | 1,214 |
| Efficiency ratio | 63.7543% | 4,934 |
| Assets per employee ($millions) | 3.6588% | 4,655 |
| Cash dividends to net income (ytd only)* | 48.2625% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8607% | 773 |
| Loan loss allowance to noncurrent loans | 872.0588% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.1636% | 6,148 |
| Noncurrent loans to loans | 0.3280% | 5,665 |
| Net loans and leases to total assets | 34.8330% | 6,500 |
| Net loans and leases to deposits | 40.5614% | 6,524 |
| Net loans and leases to core deposits | 45.5093% | 6,400 |
| Total domestic deposits to total assets | 85.8771% | 3,415 |
| Equity capital to assets | 13.2406% | 1,338 |
| Core capital (leverage) ratio | 11.3189% | 2,002 |
| Tier 1 risk-based capital ratio | 26.2825% | 749 |
| Total risk-based capital ratio | 27.5488% | 739 |
| Memoranda: | ||
| Average total assets | $286,414,000 | 2,226 |
| Average earning assets | $268,534,000 | 2,164 |
| Average equity | $38,288,000 | 1,817 |
| Average total loans | $102,056,400 | 3,466 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3113% | 4,412 |
| Cost of funding earning assets | 0.6289% | 4,376 |
| Net interest margin | 3.6823% | 3,869 |
| Noninterest income to average assets | 0.4685% | 4,147 |
| Noninterest expense to average assets | 2.5177% | 5,021 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0467% | 2,298 |
| Return on assets (ROA) | 1.1660% | 2,042 |
| Pretax return on assets | 1.5575% | 1,705 |
| Return on Equity (ROE) | 8.7013% | 2,944 |
| Retained earnings to average equity (ytd only) | 8.7013% | 1,346 |
| Net charge-offs to loans | 0.1338% | 4,049 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 29.3816% | 1,116 |
| Efficiency ratio | 62.4926% | 5,072 |
| Assets per employee ($millions) | 3.5188% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9931% | 719 |
| Loan loss allowance to noncurrent loans | 590.6250% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 6,037 |
| Noncurrent loans to loans | 0.5068% | 5,428 |
| Net loans and leases to total assets | 35.2560% | 6,599 |
| Net loans and leases to deposits | 41.6946% | 6,613 |
| Net loans and leases to core deposits | 47.6505% | 6,438 |
| Total domestic deposits to total assets | 84.5576% | 3,950 |
| Equity capital to assets | 14.3816% | 1,011 |
| Core capital (leverage) ratio | 11.5524% | 1,946 |
| Tier 1 risk-based capital ratio | 28.1928% | 641 |
| Total risk-based capital ratio | 29.4608% | 621 |
| Memoranda: | ||
| Average total assets | $285,757,000 | 2,258 |
| Average earning assets | $267,540,500 | 2,202 |
| Average equity | $38,292,250 | 1,831 |
| Average total loans | $101,658,750 | 3,518 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3412% | 4,415 |
| Cost of funding earning assets | 0.6468% | 4,472 |
| Net interest margin | 3.6944% | 3,850 |
| Noninterest income to average assets | 0.4654% | 4,162 |
| Noninterest expense to average assets | 2.4637% | 5,252 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0865% | 2,096 |
| Return on assets (ROA) | 1.1583% | 2,062 |
| Pretax return on assets | 1.5481% | 1,716 |
| Return on Equity (ROE) | 8.8524% | 2,875 |
| Retained earnings to average equity (ytd only) | 8.8524% | 1,325 |
| Net charge-offs to loans | 0.0883% | 4,265 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 46.5333% | 774 |
| Efficiency ratio | 61.1229% | 5,401 |
| Assets per employee ($millions) | 3.5745% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0526% | 741 |
| Loan loss allowance to noncurrent loans | 637.8882% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 6,254 |
| Noncurrent loans to loans | 0.4786% | 5,572 |
| Net loans and leases to total assets | 33.7951% | 6,735 |
| Net loans and leases to deposits | 39.3433% | 6,759 |
| Net loans and leases to core deposits | 46.7479% | 6,529 |
| Total domestic deposits to total assets | 85.8980% | 3,406 |
| Equity capital to assets | 13.2962% | 1,396 |
| Core capital (leverage) ratio | 10.8324% | 2,452 |
| Tier 1 risk-based capital ratio | 26.8313% | 738 |
| Total risk-based capital ratio | 28.0993% | 722 |
| Memoranda: | ||
| Average total assets | $288,347,000 | 2,248 |
| Average earning assets | $269,324,670 | 2,194 |
| Average equity | $37,730,000 | 1,853 |
| Average total loans | $101,868,000 | 3,519 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3755% | 4,428 |
| Cost of funding earning assets | 0.6615% | 4,625 |
| Net interest margin | 3.7140% | 3,771 |
| Noninterest income to average assets | 0.4295% | 4,455 |
| Noninterest expense to average assets | 2.4354% | 5,354 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0841% | 2,157 |
| Return on assets (ROA) | 1.2260% | 1,846 |
| Pretax return on assets | 1.6514% | 1,429 |
| Return on Equity (ROE) | 9.4467% | 2,623 |
| Retained earnings to average equity (ytd only) | 9.4467% | 1,427 |
| Net charge-offs to loans | -0.0782% | 6,710 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7423% | 5,498 |
| Assets per employee ($millions) | 3.7195% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0465% | 799 |
| Loan loss allowance to noncurrent loans | 492.3318% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 6,247 |
| Noncurrent loans to loans | 0.6188% | 5,422 |
| Net loans and leases to total assets | 34.0732% | 6,733 |
| Net loans and leases to deposits | 39.4569% | 6,760 |
| Net loans and leases to core deposits | 47.0725% | 6,503 |
| Total domestic deposits to total assets | 86.3554% | 3,331 |
| Equity capital to assets | 12.8132% | 1,535 |
| Core capital (leverage) ratio | 10.5397% | 2,704 |
| Tier 1 risk-based capital ratio | 25.6812% | 838 |
| Total risk-based capital ratio | 26.9491% | 814 |
| Memoranda: | ||
| Average total assets | $287,754,000 | 2,261 |
| Average earning assets | $268,494,500 | 2,216 |
| Average equity | $37,346,500 | 1,869 |
| Average total loans | $102,337,500 | 3,532 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7354% | 4,102 |
| Cost of funding earning assets | 0.7498% | 5,212 |
| Net interest margin | 3.9856% | 2,958 |
| Noninterest income to average assets | 0.4636% | 4,106 |
| Noninterest expense to average assets | 2.6057% | 5,076 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1811% | 1,564 |
| Return on assets (ROA) | 1.2161% | 1,578 |
| Pretax return on assets | 1.6358% | 1,132 |
| Return on Equity (ROE) | 8.9898% | 2,453 |
| Retained earnings to average equity (ytd only) | 4.7968% | 2,792 |
| Net charge-offs to loans | 0.0099% | 6,292 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 420.1000% | 80 |
| Efficiency ratio | 60.3137% | 5,706 |
| Assets per employee ($millions) | 3.5654% | 4,854 |
| Cash dividends to net income (ytd only)* | 46.6418% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0826% | 754 |
| Loan loss allowance to noncurrent loans | 505.8252% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 6,337 |
| Noncurrent loans to loans | 0.6094% | 5,496 |
| Net loans and leases to total assets | 34.8930% | 6,822 |
| Net loans and leases to deposits | 40.6318% | 6,845 |
| Net loans and leases to core deposits | 46.5604% | 6,715 |
| Total domestic deposits to total assets | 85.8760% | 3,381 |
| Equity capital to assets | 13.1512% | 1,420 |
| Core capital (leverage) ratio | 11.0665% | 2,218 |
| Tier 1 risk-based capital ratio | 26.0234% | 775 |
| Total risk-based capital ratio | 27.2928% | 764 |
| Memoranda: | ||
| Average total assets | $264,454,400 | 2,385 |
| Average earning assets | $247,540,800 | 2,326 |
| Average equity | $35,773,800 | 1,893 |
| Average total loans | $100,715,200 | 3,598 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8226% | 3,929 |
| Cost of funding earning assets | 0.7776% | 5,291 |
| Net interest margin | 4.0450% | 2,713 |
| Noninterest income to average assets | 0.4659% | 4,162 |
| Noninterest expense to average assets | 2.6394% | 4,940 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2086% | 1,632 |
| Return on assets (ROA) | 1.2567% | 1,603 |
| Pretax return on assets | 1.6841% | 1,175 |
| Return on Equity (ROE) | 9.2205% | 2,497 |
| Retained earnings to average equity (ytd only) | 9.2205% | 1,069 |
| Net charge-offs to loans | 0.0716% | 5,244 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 58.5356% | 566 |
| Efficiency ratio | 60.1492% | 5,695 |
| Assets per employee ($millions) | 3.3571% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0212% | 847 |
| Loan loss allowance to noncurrent loans | 437.7841% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 6,332 |
| Noncurrent loans to loans | 0.6901% | 5,508 |
| Net loans and leases to total assets | 37.3028% | 6,804 |
| Net loans and leases to deposits | 44.0790% | 6,828 |
| Net loans and leases to core deposits | 49.8609% | 6,675 |
| Total domestic deposits to total assets | 84.6272% | 3,951 |
| Equity capital to assets | 14.3242% | 1,050 |
| Core capital (leverage) ratio | 11.6624% | 1,913 |
| Tier 1 risk-based capital ratio | 27.0369% | 732 |
| Total risk-based capital ratio | 28.3066% | 721 |
| Memoranda: | ||
| Average total assets | $260,150,500 | 2,431 |
| Average earning assets | $243,983,000 | 2,367 |
| Average equity | $35,456,500 | 1,904 |
| Average total loans | $100,541,750 | 3,635 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8417% | 3,901 |
| Cost of funding earning assets | 0.7969% | 5,389 |
| Net interest margin | 4.0448% | 2,632 |
| Noninterest income to average assets | 0.4697% | 4,111 |
| Noninterest expense to average assets | 2.6100% | 5,151 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2404% | 1,461 |
| Return on assets (ROA) | 1.2404% | 1,537 |
| Pretax return on assets | 1.6613% | 1,130 |
| Return on Equity (ROE) | 9.2626% | 2,401 |
| Retained earnings to average equity (ytd only) | 9.2626% | 1,028 |
| Net charge-offs to loans | -0.0280% | 6,903 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2935% | 5,980 |
| Assets per employee ($millions) | 3.2237% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1556% | 791 |
| Loan loss allowance to noncurrent loans | 608.1081% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 6,563 |
| Noncurrent loans to loans | 0.5189% | 5,865 |
| Net loans and leases to total assets | 37.0214% | 6,908 |
| Net loans and leases to deposits | 43.3940% | 6,939 |
| Net loans and leases to core deposits | 49.5401% | 6,780 |
| Total domestic deposits to total assets | 85.3145% | 3,721 |
| Equity capital to assets | 13.8855% | 1,138 |
| Core capital (leverage) ratio | 11.2063% | 2,106 |
| Tier 1 risk-based capital ratio | 26.3376% | 784 |
| Total risk-based capital ratio | 27.6079% | 762 |
| Memoranda: | ||
| Average total assets | $258,464,670 | 2,470 |
| Average earning assets | $242,930,330 | 2,393 |
| Average equity | $34,612,330 | 1,925 |
| Average total loans | $100,051,670 | 3,685 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8127% | 4,002 |
| Cost of funding earning assets | 0.8200% | 5,466 |
| Net interest margin | 3.9927% | 2,714 |
| Noninterest income to average assets | 0.4698% | 4,118 |
| Noninterest expense to average assets | 2.6756% | 4,937 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1651% | 1,609 |
| Return on assets (ROA) | 1.1651% | 1,666 |
| Pretax return on assets | 1.5509% | 1,297 |
| Return on Equity (ROE) | 8.8667% | 2,524 |
| Retained earnings to average equity (ytd only) | 8.8667% | 1,420 |
| Net charge-offs to loans | -0.0319% | 6,729 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4649% | 5,767 |
| Assets per employee ($millions) | 3.5626% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1458% | 807 |
| Loan loss allowance to noncurrent loans | 635.1515% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 6,634 |
| Noncurrent loans to loans | 0.4953% | 6,026 |
| Net loans and leases to total assets | 36.7168% | 6,968 |
| Net loans and leases to deposits | 42.5716% | 7,003 |
| Net loans and leases to core deposits | 48.9769% | 6,835 |
| Total domestic deposits to total assets | 86.2472% | 3,368 |
| Equity capital to assets | 13.1121% | 1,333 |
| Core capital (leverage) ratio | 10.9746% | 2,215 |
| Tier 1 risk-based capital ratio | 25.7761% | 806 |
| Total risk-based capital ratio | 27.0470% | 784 |
| Memoranda: | ||
| Average total assets | $257,136,000 | 2,498 |
| Average earning assets | $241,941,500 | 2,429 |
| Average equity | $33,789,500 | 1,954 |
| Average total loans | $100,167,000 | 3,714 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1682% | 3,759 |
| Cost of funding earning assets | 0.9703% | 5,838 |
| Net interest margin | 4.1979% | 2,197 |
| Noninterest income to average assets | 0.4980% | 4,187 |
| Noninterest expense to average assets | 2.6655% | 5,150 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.2935% | 1,190 |
| Return on assets (ROA) | 1.2935% | 1,245 |
| Pretax return on assets | 1.7803% | 798 |
| Return on Equity (ROE) | 9.2534% | 2,197 |
| Retained earnings to average equity (ytd only) | 4.8146% | 2,535 |
| Net charge-offs to loans | -0.0162% | 7,349 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0852% | 6,328 |
| Assets per employee ($millions) | 3.3870% | 5,204 |
| Cash dividends to net income (ytd only)* | 47.9693% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1238% | 784 |
| Loan loss allowance to noncurrent loans | 575.4128% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 6,553 |
| Noncurrent loans to loans | 0.5429% | 5,964 |
| Net loans and leases to total assets | 38.8034% | 7,035 |
| Net loans and leases to deposits | 44.9853% | 7,083 |
| Net loans and leases to core deposits | 50.7589% | 6,953 |
| Total domestic deposits to total assets | 86.2579% | 3,224 |
| Equity capital to assets | 13.1708% | 1,312 |
| Core capital (leverage) ratio | 11.4384% | 1,869 |
| Tier 1 risk-based capital ratio | 25.3229% | 819 |
| Total risk-based capital ratio | 26.5945% | 792 |
| Memoranda: | ||
| Average total assets | $241,754,000 | 2,619 |
| Average earning assets | $227,350,200 | 2,550 |
| Average equity | $33,793,000 | 1,955 |
| Average total loans | $98,803,600 | 3,833 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2399% | 3,633 |
| Cost of funding earning assets | 1.0043% | 5,919 |
| Net interest margin | 4.2356% | 2,086 |
| Noninterest income to average assets | 0.4943% | 4,233 |
| Noninterest expense to average assets | 2.6879% | 4,934 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3014% | 1,337 |
| Return on assets (ROA) | 1.3014% | 1,406 |
| Pretax return on assets | 1.7879% | 948 |
| Return on Equity (ROE) | 9.1715% | 2,431 |
| Retained earnings to average equity (ytd only) | 9.1715% | 998 |
| Net charge-offs to loans | -0.0393% | 7,441 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1768% | 6,244 |
| Assets per employee ($millions) | 3.4101% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1942% | 698 |
| Loan loss allowance to noncurrent loans | 455.7164% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 6,642 |
| Noncurrent loans to loans | 0.7009% | 5,807 |
| Net loans and leases to total assets | 39.9804% | 7,073 |
| Net loans and leases to deposits | 47.4990% | 7,106 |
| Net loans and leases to core deposits | 53.5544% | 6,983 |
| Total domestic deposits to total assets | 84.1710% | 4,018 |
| Equity capital to assets | 14.8890% | 913 |
| Core capital (leverage) ratio | 11.9080% | 1,715 |
| Tier 1 risk-based capital ratio | 26.5336% | 739 |
| Total risk-based capital ratio | 27.8060% | 712 |
| Memoranda: | ||
| Average total assets | $239,533,000 | 2,675 |
| Average earning assets | $225,164,000 | 2,601 |
| Average equity | $33,988,500 | 1,970 |
| Average total loans | $98,406,500 | 3,908 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2532% | 3,695 |
| Cost of funding earning assets | 1.0313% | 5,996 |
| Net interest margin | 4.2219% | 2,085 |
| Noninterest income to average assets | 0.4795% | 4,293 |
| Noninterest expense to average assets | 2.6630% | 5,068 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2927% | 1,325 |
| Return on assets (ROA) | 1.2927% | 1,384 |
| Pretax return on assets | 1.7839% | 916 |
| Return on Equity (ROE) | 9.2617% | 2,363 |
| Retained earnings to average equity (ytd only) | 9.2617% | 1,026 |
| Net charge-offs to loans | -0.0061% | 7,130 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0083% | 6,372 |
| Assets per employee ($millions) | 3.3647% | 5,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1589% | 726 |
| Loan loss allowance to noncurrent loans | 1,400.4484% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 7,169 |
| Noncurrent loans to loans | 0.2256% | 6,793 |
| Net loans and leases to total assets | 39.5194% | 7,196 |
| Net loans and leases to deposits | 46.5510% | 7,225 |
| Net loans and leases to core deposits | 53.4404% | 7,060 |
| Total domestic deposits to total assets | 84.8948% | 3,688 |
| Equity capital to assets | 14.2751% | 1,074 |
| Core capital (leverage) ratio | 11.3905% | 1,975 |
| Tier 1 risk-based capital ratio | 25.6988% | 794 |
| Total risk-based capital ratio | 26.9709% | 777 |
| Memoranda: | ||
| Average total assets | $239,808,330 | 2,702 |
| Average earning assets | $225,347,670 | 2,622 |
| Average equity | $33,471,000 | 1,988 |
| Average total loans | $98,347,000 | 3,950 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2675% | 3,699 |
| Cost of funding earning assets | 1.0421% | 6,162 |
| Net interest margin | 4.2254% | 1,948 |
| Noninterest income to average assets | 0.4694% | 4,297 |
| Noninterest expense to average assets | 2.6574% | 5,113 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2792% | 1,337 |
| Return on assets (ROA) | 1.2792% | 1,408 |
| Pretax return on assets | 1.7755% | 924 |
| Return on Equity (ROE) | 9.2724% | 2,391 |
| Retained earnings to average equity (ytd only) | 9.2724% | 1,327 |
| Net charge-offs to loans | -0.0734% | 7,454 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0560% | 6,481 |
| Assets per employee ($millions) | 3.3024% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1889% | 700 |
| Loan loss allowance to noncurrent loans | 1,296.6942% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 7,209 |
| Noncurrent loans to loans | 0.2459% | 6,852 |
| Net loans and leases to total assets | 39.5167% | 7,280 |
| Net loans and leases to deposits | 46.2773% | 7,323 |
| Net loans and leases to core deposits | 53.7910% | 7,116 |
| Total domestic deposits to total assets | 85.3913% | 3,468 |
| Equity capital to assets | 13.8218% | 1,202 |
| Core capital (leverage) ratio | 11.2046% | 2,089 |
| Tier 1 risk-based capital ratio | 24.9111% | 878 |
| Total risk-based capital ratio | 26.1832% | 852 |
| Memoranda: | ||
| Average total assets | $238,582,000 | 2,783 |
| Average earning assets | $223,787,500 | 2,691 |
| Average equity | $32,915,000 | 2,042 |
| Average total loans | $98,089,000 | 4,013 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5255% | 4,012 |
| Cost of funding earning assets | 1.2058% | 6,639 |
| Net interest margin | 4.3196% | 1,661 |
| Noninterest income to average assets | 0.5101% | 4,334 |
| Noninterest expense to average assets | 2.8108% | 4,932 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2152% | 1,208 |
| Return on assets (ROA) | 1.2331% | 1,224 |
| Pretax return on assets | 1.7871% | 652 |
| Return on Equity (ROE) | 8.9000% | 2,059 |
| Retained earnings to average equity (ytd only) | 4.9395% | 1,851 |
| Net charge-offs to loans | -0.0094% | 7,745 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5487% | 6,549 |
| Assets per employee ($millions) | 3.2790% | 5,541 |
| Cash dividends to net income (ytd only)* | 44.4998% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1910% | 658 |
| Loan loss allowance to noncurrent loans | 1,686.4865% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 7,301 |
| Noncurrent loans to loans | 0.1892% | 6,951 |
| Net loans and leases to total assets | 40.0929% | 7,345 |
| Net loans and leases to deposits | 46.9507% | 7,401 |
| Net loans and leases to core deposits | 67.5639% | 6,904 |
| Total domestic deposits to total assets | 85.3936% | 3,363 |
| Equity capital to assets | 13.7698% | 1,227 |
| Core capital (leverage) ratio | 11.4356% | 1,949 |
| Tier 1 risk-based capital ratio | 24.5724% | 893 |
| Total risk-based capital ratio | 25.8446% | 862 |
| Memoranda: | ||
| Average total assets | $227,797,000 | 2,848 |
| Average earning assets | $214,208,600 | 2,776 |
| Average equity | $31,561,800 | 2,121 |
| Average total loans | $95,855,200 | 4,065 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5818% | 3,962 |
| Cost of funding earning assets | 1.2506% | 6,724 |
| Net interest margin | 4.3312% | 1,639 |
| Noninterest income to average assets | 0.5086% | 4,416 |
| Noninterest expense to average assets | 2.8199% | 4,818 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2156% | 1,427 |
| Return on assets (ROA) | 1.2392% | 1,441 |
| Pretax return on assets | 1.8022% | 797 |
| Return on Equity (ROE) | 8.9298% | 2,285 |
| Retained earnings to average equity (ytd only) | 8.9298% | 858 |
| Net charge-offs to loans | -0.0531% | 7,861 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5211% | 6,475 |
| Assets per employee ($millions) | 3.2050% | 5,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2517% | 530 |
| Loan loss allowance to noncurrent loans | 1,590.4040% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 7,111 |
| Noncurrent loans to loans | 0.2045% | 6,989 |
| Net loans and leases to total assets | 41.7610% | 7,379 |
| Net loans and leases to deposits | 49.6035% | 7,426 |
| Net loans and leases to core deposits | 70.8462% | 6,918 |
| Total domestic deposits to total assets | 84.1896% | 3,635 |
| Equity capital to assets | 14.8569% | 1,047 |
| Core capital (leverage) ratio | 11.7883% | 1,913 |
| Tier 1 risk-based capital ratio | 25.3861% | 863 |
| Total risk-based capital ratio | 26.6592% | 841 |
| Memoranda: | ||
| Average total assets | $225,724,000 | 2,888 |
| Average earning assets | $212,590,500 | 2,821 |
| Average equity | $31,325,000 | 2,159 |
| Average total loans | $95,375,250 | 4,108 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5769% | 4,178 |
| Cost of funding earning assets | 1.2951% | 6,826 |
| Net interest margin | 4.2818% | 1,695 |
| Noninterest income to average assets | 0.4978% | 4,460 |
| Noninterest expense to average assets | 2.7863% | 5,018 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1911% | 1,500 |
| Return on assets (ROA) | 1.1911% | 1,586 |
| Pretax return on assets | 1.7402% | 951 |
| Return on Equity (ROE) | 8.7878% | 2,431 |
| Retained earnings to average equity (ytd only) | 8.7878% | 987 |
| Net charge-offs to loans | 0.0211% | 6,211 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 196.8000% | 211 |
| Efficiency ratio | 59.6015% | 6,608 |
| Assets per employee ($millions) | 3.0225% | 6,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2614% | 462 |
| Loan loss allowance to noncurrent loans | 620.2000% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 6,937 |
| Noncurrent loans to loans | 0.5259% | 6,219 |
| Net loans and leases to total assets | 41.1243% | 7,498 |
| Net loans and leases to deposits | 48.0836% | 7,563 |
| Net loans and leases to core deposits | 71.0198% | 6,965 |
| Total domestic deposits to total assets | 85.5268% | 3,005 |
| Equity capital to assets | 13.8826% | 1,350 |
| Core capital (leverage) ratio | 11.1432% | 2,300 |
| Tier 1 risk-based capital ratio | 24.9704% | 942 |
| Total risk-based capital ratio | 26.2441% | 923 |
| Memoranda: | ||
| Average total assets | $226,181,000 | 2,904 |
| Average earning assets | $212,807,330 | 2,832 |
| Average equity | $30,656,000 | 2,220 |
| Average total loans | $94,886,670 | 4,146 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5809% | 4,465 |
| Cost of funding earning assets | 1.3400% | 6,907 |
| Net interest margin | 4.2409% | 1,775 |
| Noninterest income to average assets | 0.4854% | 4,456 |
| Noninterest expense to average assets | 2.6768% | 5,113 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2188% | 1,605 |
| Return on assets (ROA) | 1.2188% | 1,708 |
| Pretax return on assets | 1.7939% | 989 |
| Return on Equity (ROE) | 9.1009% | 2,667 |
| Retained earnings to average equity (ytd only) | 9.1009% | 1,445 |
| Net charge-offs to loans | 0.1477% | 3,785 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 29.1429% | 1,080 |
| Efficiency ratio | 57.9072% | 6,715 |
| Assets per employee ($millions) | 3.2066% | 5,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2335% | 394 |
| Loan loss allowance to noncurrent loans | 929.3051% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 7,144 |
| Noncurrent loans to loans | 0.3479% | 6,560 |
| Net loans and leases to total assets | 39.8714% | 7,577 |
| Net loans and leases to deposits | 46.4849% | 7,649 |
| Net loans and leases to core deposits | 67.8034% | 7,144 |
| Total domestic deposits to total assets | 85.7729% | 2,842 |
| Equity capital to assets | 13.4548% | 1,549 |
| Core capital (leverage) ratio | 10.7250% | 2,717 |
| Tier 1 risk-based capital ratio | 23.5192% | 1,137 |
| Total risk-based capital ratio | 24.7915% | 1,114 |
| Memoranda: | ||
| Average total assets | $227,437,500 | 2,899 |
| Average earning assets | $213,727,500 | 2,840 |
| Average equity | $30,458,500 | 2,234 |
| Average total loans | $94,788,500 | 4,182 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0400% | 5,358 |
| Cost of funding earning assets | 1.8360% | 6,910 |
| Net interest margin | 4.2040% | 2,298 |
| Noninterest income to average assets | 0.5432% | 4,284 |
| Noninterest expense to average assets | 2.7245% | 5,156 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1549% | 1,925 |
| Return on assets (ROA) | 1.1788% | 1,777 |
| Pretax return on assets | 1.7626% | 1,017 |
| Return on Equity (ROE) | 9.3181% | 2,516 |
| Retained earnings to average equity (ytd only) | 4.0257% | 2,627 |
| Net charge-offs to loans | 0.1347% | 4,877 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 30.9520% | 1,143 |
| Efficiency ratio | 59.1898% | 6,497 |
| Assets per employee ($millions) | 3.1111% | 5,745 |
| Cash dividends to net income (ytd only)* | 56.7967% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2939% | 342 |
| Loan loss allowance to noncurrent loans | 608.8063% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 6,661 |
| Noncurrent loans to loans | 0.5410% | 5,740 |
| Net loans and leases to total assets | 40.7754% | 7,637 |
| Net loans and leases to deposits | 47.4300% | 7,735 |
| Net loans and leases to core deposits | 65.4171% | 7,381 |
| Total domestic deposits to total assets | 85.9695% | 2,417 |
| Equity capital to assets | 13.3274% | 1,662 |
| Core capital (leverage) ratio | 10.9373% | 2,636 |
| Tier 1 risk-based capital ratio | 23.3977% | 1,152 |
| Total risk-based capital ratio | 24.6707% | 1,123 |
| Memoranda: | ||
| Average total assets | $224,037,800 | 2,832 |
| Average earning assets | $208,277,000 | 2,799 |
| Average equity | $28,342,800 | 2,383 |
| Average total loans | $92,800,600 | 4,139 |